D E C I S I O N
CHICO-NAZARIO, J.:
In a Complaint docketed as Civil Case No. 94-70655 for replevin and damages filed with the Regional Trial Court (RTC) of Manila, Branch XVIII, by respondent BPI Family Savings Bank, Inc. (BPI) against petitioners Rodelio and Alicia Poltan, BPI alleged that on 11 November 1991, the petitioners obtained a loan evidenced by a promissory note[1] from Mantrade Development Corporation (Mantrade) secured by a chattel mortgage[2] over a 1-unit Nissan Sentra Motor Vehicle, more particularly described as follows:
ONE (1) N. SENTRA 1400 4-DOOR SED. IX
MODEL: ...
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