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	GR No. 174988 2008-12-10	BANK OF PHIL IPPINE ISLANDS v. SPS. HOMOBONO AND LUZDELDIA TARAMPI CARPIO MORALES, J.
As the redemption period expired without respondents redeeming the mortgages, petitioner, through its Vice-President Jocelyn C. Sta. Ana, executed an Affidavit of Consolidation.[3] TCT No. 122627 was thus cancelled and TCT No. N-216396[4] was in its stead issued in the name of petitioner on July 27, 2000.