How to File an Online Complaint With the SEC Against Harassing Lending Companies


I. Introduction

Illegal occupation (often called “squatting”) and encroachment (boundary intrusion) are common land problems in the Philippines, affecting titled homeowners, heirs to unpartitioned estates, agricultural landholders, and even corporate or government lessors. Philippine law gives landowners multiple layers of protection—civil, criminal, administrative, and special statutory remedies. The right to exclude others is a core attribute of ownership, but enforcing that right requires choosing the correct remedy based on facts like who occupies, how long, and under what claim.

This article explains the full legal toolkit available to landowners, how remedies differ, and what procedures and evidence matter most.


II. Core Rights of Landowners Under Civil Law

A. Ownership and the Right to Exclude

Under the Civil Code, ownership includes:

  1. jus possidendi – the right to possess,
  2. jus utendi – the right to use/enjoy,
  3. jus abutendi – the right to dispose, and crucially,
  4. jus vindicandi – the right to recover property from anyone who possesses it unlawfully.

A landowner may recover possession even if the occupant claims poverty, need, or long stay—unless the law recognizes a valid right (e.g., lease, usufruct, easement, or prescription).

B. Possession vs. Ownership

Philippine property disputes often hinge on distinguishing:

  • possession de facto (physical possession), and
  • possession de jure (possession by right, arising from ownership or lawful title).

Someone may physically occupy land but have no legal right to do so. The law provides fast remedies to regain possession without first proving ownership in depth.


III. Civil Actions to Recover Possession

Philippine courts recognize three main “possessory” actions. The correct one depends mostly on how the illegal occupation began and when it started.

1. Forcible Entry (Ejectment)

When used: The occupant entered the land by force, intimidation, threat, strategy, or stealth (FISTS), and the case is filed within 1 year from actual entry.

Key points:

  • Even a non-owner with better prior possession can file.
  • Ownership is considered only to resolve possession.
  • This is a summary action—meant to be speedy.

Goal: Restore physical possession to the prior possessor.

2. Unlawful Detainer (Ejectment)

When used: The occupant’s possession was initially lawful (e.g., lease, tolerance, caretaker arrangement), but later became illegal because the right expired or was revoked. Must be filed within 1 year from last demand to vacate.

Common examples:

  • Tenant overstays after lease ends.
  • Relative allowed to stay refuses to leave after demand.
  • Caretaker refuses to surrender property.

Goal: Recover possession after a right ends.

3. Accion Publiciana (Recovery of Better Right to Possess)

When used: The landowner seeks to recover possession after more than 1 year has passed from entry or last demand.

Where filed: Regional Trial Court (RTC).

Goal: Recover the “better right to possess” (not necessarily ownership).

4. Accion Reivindicatoria (Recovery of Ownership)

When used: The main issue is ownership and the landowner wants:

  • recovery of possession, and
  • declaration of title/ownership.

Where filed: RTC.

Goal: Recover property based on ownership.


IV. Boundary Encroachment and Neighbor Disputes

Encroachment typically means a neighbor has:

  • built a fence, wall, extension, or structure beyond their boundary;
  • occupied a strip of land inside your lot; or
  • altered natural boundaries.

A. Accion Interdictal or Accion Publiciana

If your land is newly encroached upon, ejectment or publiciana applies depending on timing.

B. Survey and Reconstitution Issues

Boundary cases rely heavily on:

  • approved geodetic survey,
  • Lot data computation,
  • technical descriptions, and
  • original/cadastral records.

Courts usually require a relocation survey by a licensed geodetic engineer to prove intrusion.

C. Right to Demolition

Once encroachment is proven and judgment becomes final, courts may order:

  • removal of fence/structures, and
  • restoration of boundaries.

Demolition generally requires a writ of execution; self-help demolition is risky unless clearly justified under law and local ordinances.


V. Criminal Remedies Against Illegal Occupation

Civil actions recover possession. Criminal cases punish unlawful acts and sometimes pressure compliance.

A. Trespass to Dwelling / Trespass to Property

  • Trespass to dwelling applies if property is a dwelling and entry is against owner’s will.
  • Trespass to property covers entry into fenced or enclosed property without permission.

Note: Trespass requires proof of intentional entry without right.

B. Usurpation of Real Property (Article 312, Revised Penal Code)

Punishes taking possession of real property by violence or intimidation. This is relevant in aggressive takeovers.

C. Malicious Mischief / Other Crimes

If occupants destroy property, cut trees, or damage fences, related crimes may apply.

Important limitation: Criminal remedies do not automatically eject occupants; you still need civil eviction unless the prosecutor’s office or court orders otherwise in a specific case.


VI. Special Laws Protecting Landowners

A. Anti-Squatting Framework

The Philippines no longer uses the old Anti-Squatting Law (PD 772) in the same way; policy now balances landowner rights with housing and resettlement. But: illegal occupation is still not legalized.

Landowners can still eject through proper court action, and illegal occupation that involves syndicates or bad-faith schemes may be penalized under special laws on professional squatters and squatting syndicates.

B. Urban Development and Housing Act (UDHA, RA 7279)

UDHA protects legitimate urban poor settlers from arbitrary eviction without due process, but it also:

  • distinguishes them from professional squatters and squatting syndicates;
  • allows eviction for land needed for infrastructure, danger zones, or projects; and
  • recognizes the landowner’s right to regain property with compliance to procedure.

Practical effect: Eviction may require coordination with LGUs and observance of humane eviction guidelines (notice, relocation where applicable). Failure to follow UDHA procedures can delay enforcement.

C. Comprehensive Agrarian Reform Law (CARL, RA 6657)

If land is agricultural and within agrarian reform coverage, remedies may involve:

  • Department of Agrarian Reform (DAR) processes, and/or
  • agrarian courts.

Key issue: whether occupants are farmworkers/tenants/beneficiaries or pure trespassers. DAR jurisdiction can bar or pause ordinary ejectment cases.

D. Indigenous Peoples’ Rights Act (IPRA, RA 8371)

When land is within ancestral domains, conflicts may involve:

  • recognition of indigenous rights, and
  • the National Commission on Indigenous Peoples (NCIP).

Landowners must confirm whether IPRA applies before filing regular actions.


VII. Administrative and Local Government Remedies

A. Barangay Conciliation (Katarungang Pambarangay)

Most neighbor or community land disputes require mandatory barangay mediation first, unless:

  • one party is government,
  • dispute involves urgent legal action, or
  • parties live in different cities/municipalities (subject to rules).

Failure to undergo barangay conciliation can cause dismissal of a case.

B. LGU Enforcement of Zoning/Building Rules

Encroaching structures may violate:

  • building setbacks,
  • easements,
  • zoning ordinances.

LGUs can issue cease-and-desist or demolition orders for illegal structures—but these are administrative, and still separate from ownership disputes.


VIII. Easements and “Legal Encroachments”

Sometimes what looks like encroachment is actually a lawful burden on property.

A. Easement of Right of Way

Neighbors may demand passage if their property is landlocked, with payment of indemnity and least prejudice route.

B. Legal Easements

Civil Code recognizes easements for:

  • drainage,
  • natural water flow,
  • shoreline/banks,
  • compulsory public use.

Understanding easements prevents filing the wrong case.


IX. Prescription and Adverse Possession: Can Occupants Gain Ownership?

A. General Rule

Possession can ripen into ownership only by prescription AND only if legal requirements are met.

B. Ordinary Prescription

Requires:

  • possession in good faith,
  • with just title,
  • for 10 years (immovables).

C. Extraordinary Prescription

Requires:

  • possession even in bad faith,
  • without title,
  • for 30 years.

D. Major Exceptions

Prescription does not run against:

  • registered land under Torrens system,
  • government/public domain lands,
  • land held in trust or subject to certain legal restrictions.

So, if your land has an OCT/TCT, squatters cannot acquire ownership by mere long possession. They may still delay you, but they cannot legally become owners through prescription.


X. Evidence Landowners Should Prepare

For successful recovery, the most common proof includes:

  1. Title (TCT/OCT) or proof of ownership (tax declaration + deeds/heirship).
  2. Latest tax receipts (real property tax payments).
  3. Survey plan / relocation survey for encroachment.
  4. Photos, videos, affidavits showing who occupies and how entry occurred.
  5. Written demand to vacate with proof of receipt (for unlawful detainer/publiciana).
  6. Barangay certification (if required).
  7. History of tolerance (if occupant claims permission).

Weak evidence on date or manner of entry is the #1 reason ejectment cases fail.


XI. Procedure Overview (Practical Flow)

A. If occupation is recent and forceful/stealthy

  1. Document entry.
  2. File barangay case if required.
  3. File forcible entry within 1 year.

B. If occupation began lawfully (lease/tolerance)

  1. Issue a clear written demand to vacate.
  2. After refusal, file barangay case if required.
  3. File unlawful detainer within 1 year from last demand.

C. If more than 1 year has passed

File accion publiciana or reivindicatoria, depending on whether ownership is central.


XII. Limits on Self-Help by Landowners

Landowners understandably want to “take back” land immediately, but Philippine law discourages vigilantism.

Do not:

  • forcibly evict occupants without a court order,
  • demolish homes/structures unilaterally,
  • cut utilities to push people out,
  • threaten or use violence.

These expose landowners to:

  • criminal complaints,
  • civil damages,
  • injunctions.

Allowed self-help is narrow: Only to repel immediate intrusion without breaching the peace, and only when clearly lawful and proportional. When in doubt, use court remedies.


XIII. Damages and Other Relief

Landowners can claim:

  • reasonable compensation for use/occupation (rental value),
  • actual damages for destroyed property,
  • moral and exemplary damages if occupation involved bad faith or harassment,
  • attorney’s fees in proper cases.

Courts frequently award “reasonable rentals” from date of demand or filing.


XIV. Strategic Tips for Landowners

  1. Act fast. Missing the 1-year window forces you into slower RTC actions.

  2. Demand in writing. Oral demands are easy to deny.

  3. Get a relocation survey early for boundary disputes.

  4. Expect defenses. Common occupant claims:

    • “We were allowed to stay.”
    • “We’ve been here for decades.”
    • “Your title is fake.”
    • “This is agrarian / ancestral / public land.”
  5. Separate issues.

    • possession case first,
    • ownership case if needed later.
  6. Coordinate with LGU if UDHA might apply.

  7. Secure property after eviction. Re-entry is common without fencing or monitoring.


XV. Conclusion

Philippine law protects landowners through a layered system:

  • Fast summary ejectment (forcible entry/unlawful detainer) to restore possession quickly;
  • RTC actions (publiciana/reivindicatoria) for longer or title-centered disputes;
  • Criminal penalties for trespass and violent property grabs;
  • Special statutes (UDHA, CARL, IPRA) that shape procedure and jurisdiction; and
  • Administrative supports through barangay mediation and LGU regulation.

The key to enforcing land rights is choosing the correct remedy, proving entry and possession clearly, and following due process—especially where urban poor, agrarian, or ancestral land issues may complicate the case. Ownership in the Philippines is strongly protected, particularly for Torrens-titled land, but rights mean little without timely, well-prepared legal action.

Disclaimer: This content is not legal advice and may involve AI assistance. Information may be inaccurate.