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Granting however that the English law is applicable in the Phil. court, such law is contrary to sound and established public policy of the forum which proscribes the splitting of a single cause of action, thus still cannot be applied by the court in the case. It is proper that Philippine law should be upheld since it is the country upon which the case is filed. Therefore the filing of a collection case by the petitioner in foreign courts is a waiver for the remedy of foreclosure of real estate mortgage.