Nego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st Set

8/11/2019 Nego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1st SetNego 1s

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CHAN WAN V TAN KIN

1. NEGOTIABLE INSTRUMENTS; CROSSED CHECKS; ABSENCE OF DUEPRESENTMENT; LIABILITY OF DRAWER. The dr!er "# dr!"#$ %he &he&' e#$$ed%h% (# d)e *re+e#%,e#%- %he &he&' !()d /e *"d- #d %h% "0 "% /e d"+h(#(red- he !" *%he ,()#% %here(0 %( %he h(der. Where0(re- "# %he /+e#&e (0 d)e *re+e#%,e#%- %hedr!er d"d #(% /e&(,e "/e.

2. ID.; ID.; CHECK CROSSED SPECIALLY IN FAVOR OF A CERTAIN BANK; HOWCOLLECTED; LIABILITY OF DRAWEE OR WRONG PAYMENT. Where &he&' "+&r(++ed +*e&" "# 03(r (0 &er%"# /#'- %he &he&' "+ $e#er de*(+"%ed !"%h %he /#',e#%"(#ed "# %he &r(++"#$- +( %h% %he %%er , %'e &hr$e (0 %he &(e&%"(#. I0 "% "+ #(%*re+e#%ed / +"d /#' 0(r *,e#%- %he dr!ee "+ "/e %( %he %r)e (!#er- "# &+e (0*,e#% %( *er+(#+ #(% e#%"%ed %here%(.

4. ID.; ID.; HOLDER WHO IS NOT HOLDER IN DUE COURT CAN STILL RECOVER ONTHE CHECK. The Ne$(%"/e I#+%r),e#%+ ! d(e+ #(% *r(3"de %h% h(der !h( "+ #(% h(der "# d)e &()r+e- , #(% "# # &+e- re&(3er (# %he "#+%r),e#%. The (#d"+d3#%$e (0 h(der !h( "+ #(% h(der "# d)e &()r+e "+ %h% %he #e$(%"/e"#+%r),e#% "+ +)/5e&% %( de0e#+e+ + "0 "% !ere #(#6#e$(%"/e.

Th"+ +)"% %( &(e&% ee3e# &he&'+ %(%"#$ P7-289.99 "+ here 0(r de&"+"(# /e&)+e "%"#3(3e+ #( "++)e (0 0&%.

S)&h &he&'+ */e %( :&+h (r /erer: #d dr!# / de0e#d#% T# K", %he (%herde0e#d#% "+ her h)+/#d< )*(# %he E=)"%/e B#'"#$ C(r*(r%"(#- !ere *re+e#%ed 0(r*,e#% / Ch# W# %( %he dr!ee /#'- /)% %he :!ere d"+h(#(red #d re%)r#ed %(h", )#*"d d)e %( "#+)00"&"e#% 0)#d+ #d>(r &)+e+ %%r"/)%/e %( %he dr!er.:

A% %he her"#$ (0 %he &+e- "# %he M#" &()r% (0 0"r+% "#+%#&e- %he *"#%"00 d"d #(% %'e %he!"%#e++ +%#d. H"+ %%(r#e- h(!e3er- %e+%"0"ed (# %( "de#%"0 %he &he&'+ !h"&h reE?h"/"%+ A %( K *)+ %he e%%er+ (0 de,#d )*(# de0e#d#%+.

O# %he (%her h#d- T# K", de&red !"%h()% &(#%rd"&%"(# %h% %he &he&'+ hd /ee#"++)ed %( %!( *er+(#+ #,ed P"#(#$ #d M) 0(r +(,e +h(e+ %he 0(r,er hd *r(,"+ed %(,'e #d :!ere "#%e#ded + ,ere re&e"*%+:.

I# 3"e! (0 +)&h &"r&),+%#&e+- %he &()r% de&"#ed %( (rder *,e#% 0(r %!( *r"#&"*re+(#+@ < *"#%"00 0"ed %( *r(3e he !+ h(der "# d)e &()r+e- #d /< %he &he&'+/e"#$ &r(++ed &he&'+ +h()d #(% h3e /ee# *re+e#%ed %( %he dr!ee 0(r :*,e#%-: /)%+h()d h3e /ee# de*(+"%ed "#+%ed !"%h %he /#' ,e#%"(#ed "# %he &r(++"#$.

I% , /e +%%ed "# %h"+ &(##e&%"(#- %h% de0e#d#%+ ++er%ed &()#%er&",- %he &()r%d"+,"++ed "% 0(r 0")re (0 *r((0- #d 0r(, +)&h d"+,"++ %he d"d #(% **e.

The (# "++)e "+- %here0(re- %he *"#%"00+ r"$h% %( &(e&% (# %he ee3e# &(,,er&"d(&),e#%+.

The Ne$(%"/e I#+%r),e#%+ L! re$)%"#$ %he "++)#&e (0 #e$(%"/e &he&'+- %he r"$h%+#d %he "/""%"e+ r"+"#$ %here0r(,- d(e+ #(% ,e#%"(# :&r(++ed &he&'+:. Ar%. 71 (0 %heC(de (0 C(,,er&e re0er+ %( +)&h "#+%r),e#%+. 1 The /"+ (0 E?&h#$e A&% (0 E#$#d (012- &(#%"#+ +e3er *r(3"+"(#+ /()% %he,- +(,e (0 !h"&h re =)(%ed "# %he ,r$"#. 2I# Ph""**"#e N%"(# B#' 3+. ))e%- 191 Ph".- 191; O00. G.- 222- !e **"ed+(,e *r(3"+"(#+ (0 +"d B"+ (0 E?&h#$e A&% /e&)+e %he Ne$(%"/e I#+%r),e#%+ L!-(r"$"#%"#$ 0r(, E#$#d #d &(d"0"ed "# %he U#"%ed S%%e+- *er,"%+ re+(r% %here%( "#,%%er+ #(% &(3ered / "% #d (& e$"+%"(#. 4

E"$h% (0 %he &he&'+ here "# =)e+%"(# /er &r(++ %he"r 0&e %!( *re %r#+3er+e "#e+/e%!ee# !h"&h %he+e !(rd+ re !r"%%e#@ #(#6 #e$(%"/e 6 Ch"# B#'"#$ C(r*(r%"(#.The+e &he&'+ h3e- %here0(re- /ee# &r(++ed +*e&" %( %he Ch"# B#'"#$ C(r*(r%"(#-#d +h()d h3e /ee# *re+e#%ed 0(r *,e#% / Ch"# B#'"#$- #d #(% / Ch# W#. 7I#+,)&h + Ch# W# d"d *re+e#% %he, 0(r *,e#% h",+e0 6 %he M#" &()r% +"d 6%here !+ #( *r(*er *re+e#%,e#%- #d %he "/""% d"d #(% %%&h %( %he dr!er.

We $ree %( %he e$ *re,"+e+ #d &(#&)+"(#. I% ,)+% /e re,e,/ered- % %h"+ *("#%- %h%%he dr!er "# dr!"#$ %he &he&' e#$$ed %h% :(# d)e *re+e#%,e#%- %he &he&' !()d /e*"d- #d %h% "0 "% /e d"+h(#(red . . . he !" * %he ,()#% %here(0 %( %he h(der:. Where0(re- "# %he /+e#&e (0 d)e *re+e#%,e#%- %he dr!er d"d #(% /e&(,e "/e.

Ne3er%hee++ !e 0"#d- (# %he /&'+ (0 %he &he&'+- e#d(r+e,e#%+ !h"&h **re#% +h(!

%he hd /ee# de*(+"%ed !"%h %he Ch"# B#'"#$ C(r*(r%"(# #d !ere- / %he %%er-*re+e#%ed %( %he dr!ee /#' 0(r &(e&%"(#. F(r "#+%#&e- (# %he /&' (0 %he &he&' E?h"/"%A +,e + "# E?h. B


2/30

&()r% +)r,"+ed- 6 %h"+ "+ #(% 0"#d"#$ (0 0&% he $(% %he, 0%er %he hd /ee# %h)+re%)r#ed- /e&)+e he *re+e#%ed %he, "# &()r% !"%h +)&h :&&()#% &(+ed: +%,*+- !"%h()%/(%her"#$ %( e?*"#. N%)r #d r"$h%- %he (!er &()r% hed h", #(% %( /e h(der "#d)e &()r+e )#der %he &"r&),+%#&e+- +"#&e he '#e!- )*(# %'"#$ %he, )*- %h% %he &he&'+hd red /ee# d"+h(#(red.

Ye% "% d(e+ #(% 0((! + e$ *r(*(+"%"(#- %h% +",* /e&)+e he !+ #(% h(der "#d)e &()r+e- Ch# W# &()d #(% re&(3er (# %he &he&'+. The Ne$(%"/e I#+%r),e#%+ L!d(e+ #(% *r(3"de %h% h(der !h( "+ #(% h(der "# d)e &()r+e- , #(% "# # &+e-re&(3er (# %he "#+%r),e#%. I0 B *)r&h+e+ # (3erd)e #e$(%"/e *r(,"++(r #(%e +"$#ed/ A- he "+ #(% h(der "# d)e &()r+e; /)% he , re&(3er 0r(, A- "0 %he %%er h+ #(3"d e?&)+e 0(r re0)+"#$ *,e#%. The (# d"+d3#%$e (0 h(der !h( "+ #(% h(der"# d)e &()r+e "+ %h% %he #e$(%"/e "#+%r),e#% "+ +)/5e&% %( de0e#+e+ + "0 "% !ere #(#6#e$(%"/e. 8

N(! !h% de0e#+e+ d"d %he de0e#d#% T# K", *r(3e The (!er &()r%+ de&"+"(# d(e+ #(%,e#%"(# #- e3"de#% H"+ H(#(r hd "# ,"#d %he de0e#+e *eded "# de0e#d#%+ #+!er-/)% %h()$h% "% )##e&e++r %( +*e&"0- /e&)+e %he &r(++"#$: #d *re+e#%%"(# "#&"de#%++)00"&ed %( /r re&(3er- "# h"+ (*"#"(#.

T# K", d,"%%ed (# &r(++6e?,"#%"(# e"%her %h% %he &he&'+ hd /ee# "++)ed +e3"de#&e (0 de/%+ %( P"#(#$ #d M)- #d>(r %h% %he hd /ee# "++)ed "# *,e#% (0+h(e+ !h"&h P"#(#$ hd *r(,"+ed %( ,'e 0(r her.

See,"#$ %( ",* %h% P"#(#$ hd 0"ed %( ,'e %he +h(e+- +he ++er%ed P"#(#$ hd:*r(,"+ed %( * %he &he&'+ 0(r ,e:. Ye% +he d"d #(% &(,*e%e %he "de- *erh*+ /e&)+e+he !+ 5)+% #+!er"#$ &r(++6=)e+%"(#+- her ,"# %e+%",(# h3"#$ re0erred ,ere %(%he"r &()#%er6&",.

Neede++ %( +- "0 "% !ere %r)e %h% %he &he&'+ hd /ee# "++)ed "# *,e#% 0(r +h(e+ %h%!ere #e3er ,de #d de"3ered- T# K", !()d h3e $((d de0e#+e + $"#+% h(der!h( "+ #(% h(der "# d)e &()r+e. 19

C(#+"der"#$ %he de0"&"e#& (0 ",*(r%#% de%"+ (# !h"&h 0"r d5)d"&%"(# (0 %he *r%"e+r"$h%+ de*e#d+- !e %h"#' %he re&(rd +h()d /e #d "+ here/ re%)r#ed- "# %he "#%ere+% (05)+%"&e- %( %he &()r% /e(! 0(r dd"%"(# e3"de#&e- #d +)&h 0)r%her *r(&eed"#$+ + re #(%"#&(#+"+%e#% !"%h %h"+ (*"#"(#. W"%h %he )#der+%#d"#$ %h%- + de0e#d#%+ d"d #(% **e-

%he"r &()#%er&", ,)+% he #d "+ here/ de0"#"%e d"+,"++ed. S( (rdered. Ch# W# 3. T# K",- G.R. N(. L6149- Se*%e,/er 49- 189(rrr#$e,e#% ,de /e%!ee# %he %%er #d *r"3%e re+*(#de#%+.

We $ree !"%h re+*(#de#% **e%e &()r%.

Re"#$ (# %he r)"#$ "# O&,*( 3. G%&h"# +)*r


28/30

*,e#% (# h"+ /eh0 . . . A+ %( !h( %he h(der (r )%h(r"ed *er+(# !" /e de*e#d+ (#%he "#+%r)&%"(#+ +%%ed (# %he 0&e (0 %he &he&'.

The %hree +)/5e&% &he&'+ "# %he &+e % /r hd /ee# &r(++ed $e#er #d "++)ed*/e %( Ne! S"'%)# W((d I#d)+%r"e+- I#&. !h"&h &()d (# ,e# %h% %he dr!erhd "#%e#ded %he +,e 0(r de*(+"% (# / %he r"$h%0) *er+(#- ".e.- %he *ee #,ed%here"#. A**re#%- "% !+ #(% %he *ee !h( *re+e#%ed %he +,e 0(r *,e#% #d%here0(re- %here !+ #( *r(*er *re+e#%,e#%- #d %he "/""% d"d #(% %%&h %( %he dr!er.Th)+- "# %he /+e#&e (0 d)e *re+e#%,e#%- %he dr!er d"d #(% /e&(,e "/e.

C(#+e=)e#%- #( r"$h% (0 re&()r+e "+ 3"/e %( *e%"%"(#er $"#+% %he dr!er (0 %he+)/5e&% &he&'+- *r"3%e re+*(#de#% !"0e- &(#+"der"#$ %h% *e%"%"(#er "+ #(% %he *r(*er *r%)%h(r"ed %( ,'e *re+e#%,e#% (0 %he &he&'+ "# =)e+%"(#.

Ye% "% d(e+ #(% 0((! + e$ *r(*(+"%"(# %h% +",* /e&)+e *e%"%"(#er !+ #(% h(der"# d)e &()r+e + 0()#d / %he **e%e &()r% 0(r h3"#$ %'e# %he "#+%r),e#%+ "# =)e+%"(#!"%h #(%"&e %h% %he +,e "+ 0(r de*(+"% (# %( %he &&()#% (0 *ee #,ed "# %he +)/5e&%&he&'+- *e%"%"(#er &()d #(% re&(3er (# %he &he&'+. The Ne$(%"/e I#+%r),e#%+ L! d(e+#(% *r(3"de %h% h(der !h( "+ #(% h(der "# d)e &()r+e , #(% "# # &+e re&(3er (#%he "#+%r),e#% 0(r "# %he &+e % /r- *e%"%"(#er , re&(3er 0r(, %he Ne! S"'%)# W((dI#d)+%r"e+- I#&. "0 %he %%er h+ #( 3"d e?&)+e 0(r re0)+"#$ *,e#%. The (#d"+d3#%$e (0 h(der !h( "+ #(% "# d)e &()r+e "+ %h% %he #e$(%"/e "#+%r),e#% "++)/5e&% %( de0e#+e+ + "0 "% !ere #(#6#e$(%"/e.

Th% %he +)/5e&% &he&'+ hd /ee# "++)ed +)/5e&% %( %he &(#d"%"(# %h% *r"3%e re+*(#de#%+(# d)e d%e !()d ,'e %he /&' )* de*(+"% 0(r +"d &he&'+ /)% !h"&h &(#d"%"(#**re#% !+ #(% ,de- %h)+ re+)%"#$ "# %he #(#6&(#+),,%"(# (0 %he (# "#%e#ded %(/e $r#%ed / *r"3%e re+*(#de#%+ %( Ne! S"'%)# W((d I#d)+%r"e+- I#&.- &(#+%"%)%e+ $((d de0e#+e $"#+% *e%"%"(#er !h( "+ #(% h(der "# d)e &()r+e.

WHEREFORE- %he de&"+"(# **eed 0r(, "+ here/ AFFIRMED !"%h &(+%+ $"#+%*e%"%"(#er.

MESINA V IAC

Th"+ "+ # **e / &er%"(rr" 0r(, %he de&"+"(# (0 %he %he# I#%er,ed"%e A**e%e C()r%IAC 0(r +h(r%


29/30

O,#"/)+ M(%"(# %( D"+,"++ E? A/)d#%e C)%e e$"#$ &' (0 5)r"+d"&%"(# "# 3"e! (0 %he/+e#&e (0 # (rder %( "%"$%e- 0")re %( +%%e &)+e (0 &%"(# #d &' (0 *er+(#"% %(+)e. Re+*(#de#% /#' "# %he (%her &"3" &+e CC611148< 0(r d,$e+ ,(3ed %( d"+,"+++)"% "# 3"e! (0 %he e?"+%e#&e red (0 %he I#%er*eder &+e.

The %r" &()r% "# %he "#%er*eder &+e "++)ed # (rder d%ed J) 14- 187- de#"#$ %he,(%"(# %( d"+,"++ (0 *e%"%"(#er Me+"# #d r)"#$ %h% re+*(#de#% /#'+ &(,*"#%+)00"&"e#% *eded &)+e (0 &%"(# 0(r "#%er*eder. Pe%"%"(#er 0"ed h"+ ,(%"(# 0(rre&(#+"der%"(# !h"&h !+ de#"ed / %he %r" &()r% (# Se*%e,/er 2- 187. U*(# ,(%"(#

0(r re+*(#de#% J(+e G( d%ed O&%(/er 41- 187- re+*(#de#% 5)d$e "++)ed # (rder (#N(3e,/er - 187 de&r"#$ *e%"%"(#er "# de0)% +"#&e h"+ *er"(d %( #+!er h+ rede?*"red #d +e% %he e?6*r%e *re+e#%%"(# (0 re+*(#de#% /#'+ e3"de#&e (# N(3e,/er -187.

Pe%"%"(#er Me+"# 0"ed *e%"%"(# 0(r &er%"(rr" !"%h *re","#r "#5)#&%"(# !"%h IAC %( +e%+"de 1< (rder (0 re+*(#de#% &()r% de#"#$ h"+ (,#"/)+ M(%"(# %( D"+,"++ 2< (rder (0re+*(#de#% &()r% de#"#$ h"+ M(%"(# 0(r Re&(#+"der%"(# #d 4< %he (rder (0 de0)%$"#+% h",.

O# J#)r 22- 18- IAC re#dered "%+ de&"+"(# d"+,"++"#$ %he *e%"%"(# 0(r &er%"(rr".Pe%"%"(#er Me+"# 0"ed h"+ M(%"(# 0(r Re&(#+"der%"(# !h"&h !+ +( de#"ed / %he +,e&()r% "# "%+ re+()%"(# d%ed Fe/r)r 1- 18.

Me#!h"e- (# +,e d%e Fe/r)r 1- 18


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Whe# *,e#% (# "% !+ %here0(re +%(**ed- re+*(#de#% /#' !+ #(% %he (#e !h( d"d "%/)% J(+e G(- %he (!#er (0 %he &he&'. Re+*(#de#% /#' &()d #(% /e dr!er #d dr!ee0(r &er- J(+e G( (!#+ %he ,(#e "% re*re+e#%+ #d he "+ %here0(re %he dr!er #d %hedr!ee "# %he +,e ,##er + "0 he h+ &)rre#% &&()#% #d he "++)ed &he&' $"#+%"%; #d 0r(, %he ,(,e#% +"d &+h"er+ &he&' !+ (+% #d (r +%(e# #( (#e ()%+"de (0J(+e G( /e %er,ed h(der "# d)e &()r+e /e&)+e J(+e G( hd #(% "#d(r+ed "% "#d)e &()r+e. The &he&' "# =)e+%"(# +)00er+ 0r(, %he "#0"r,"% (0 #(% h3"#$ /ee# *r(*er#e$(%"%ed #d 0(r 3)e / re+*(#de#% J(+e G( !h( + red /ee# +"d "+ %he re(!#er (0 +"d "#+%r),e#%.

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