D E C I S I O N
CORONA, J.:
In this petition for review on certiorari under Rule 45 of the Rules of Court, petitioners raise this question of law: whether or not RA 7202[3] and its Implementing Rules and Regulations (IRR) are applicable to the case at bar.
The findings of fact of the trial court[4] and the Court of Appeals[5] follow.
On various dates,[6] petitioners Carlos Benedicto, Eliza Benedicto, Antonio Benedicto and Paciencia Benedicto, jointly and severally, obtained from respondent Philippine National Bank several loans amounting to P251,908.65 [7] secured by real estate mortgage over properties covered by TCT Nos. T-6971, T-2055...
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