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MANILA-The Supreme Court (SC) has reversed a ruling by the Paranaque court ordering a bank to pay damages to an individual credit card holder who accused the bank of negligently handling his account causing him embarrassment when the card was declined when he used it at a restaurant. In its 16-page decision written by Associate Justice Ramon Paul Hernando and uploaded online on June 2, the high court reversed the Court of Appeals' decision in the case filed by Rex G. Rico against the Union Bank of the Philippines with the SC setting aside both the RTC's PHP500,000 award and the CA order for the bank to pay a reduced amount of PHP60,000 in damages and attorney's fees. Rico in 2006 filed a complaint for damages before the Paranaque RTC claiming the bank negligently handled his credit card account alleging the bank imposed late payment charges and interests despite having paid his credit card bill and imposing an annual membership fee despite its guarantee there would be no su

City of paranaqueJustice ramon paul hernandoTiger airwaysSupreme courtUnion bankAssociate justice ramon paul hernandoManila the supreme court sc has reverseda ruling by paranaque orderinga bank to pay damages an individual credit card holder who accused of negligently handling his account causing him embarrassment when was declined he used it ata restaurant in its 16 page decision written associate justice ramon paul hernando and uploaded online on june 2He high court reversed the of appeals 39 decision in case filed by rexg rico against union bank philippines with sc setting aside both rtc 39s php500000 award and the ca order for bank to paya reduced amount of php60000 in damages and attorney 39s fees rico 2006 fileda complaint for before the paranaque rtc claiming bank negligently handled his credit card account alleging imposed late payment charges interests despite having paid bill imposing an annual membership fee its guarantee there would be no suchMong other things even if the bank eventually reversed charges and admitted its errorIco said he suffered embarrassmentOcial humiliation and mental anguishErious anxietiesEsmirched reputationNd wounded feelings when his card was dishonored ata restaurant where he with friends for alleged non payment of overdue accounts the past due amount arose froma 2005 transaction involving use ofa credit to pay airline tickets which then sought cancel from tiger airways after told that no longer wanted pursue travel singapore absence available seats tried change return flight manila rico had demanded bank refund claiming canceled same even as refused grant demand because they were refundable asa result