FACTS:

Manila  Oil  has  issued  a  promissory  note  in  favor  of  National  Bank  which included a provision on a confession of judgment in case of failure to pay obligation.  Indeed, Manila Oil has failed to pay on demand.  This prompted the bank to file a case in court, wherein an attorney associated with them entered his appearance for the defendant.  To this the defendant objected.   
 

HELD:

Warrants   of   attorney   to   confess   judgment   aren’t   authorized   nor contemplated  by  our  law.    Provisions  in  notes  authorizing  attorneys  to appear and confess judgments against makers should not be recognized in our jurisdiction by implication and should only be considered as valid when given express legislative sanction.