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Home My WebLink About96-04615 .. " ~ ~ ~ q ~ ~ ~ ~ ~ , . " ~ . ~ . / ) NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a jUdgment may be entered against you by the court without further notice for any money claimed in the complaint or for any claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE DO NOT HAVE OR KNOW A THE OFFICE SET FORTH HELP: THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU LAWYER, THEN YOU SHOULD GO TO OR TELEPHONE BELOW TO FIND OUT WHERE YOU CAN GET LEGAL LAWYER REFERRAL SERVICE OJURT ADMINISTRATORS OFFICE 4 th FLO:JR CUMBERLAND OJUNTY OJURTHOUSE ONE OJURTHOUSE SQUARE CARLISLE, PA 17013-3387 717-240-6195 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PNC BANK, N .A., Plaintiff / , 'I. / 1\' e.u:J -C~ NO.?... " -vs- LEONARD E. GUISE AND HOLLY A. GUISE, Defendants. COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, PNC Bank, N.A., by its Attorney, Murray A. Felder, Esq., and files this Complaint in Civil Action of which the following is a statement: 1. Plaintiff is PNC Bank, N.A., a National Banking Association with an office located at 2730 Liberty Avenue, Pittsburgh, PA 15222. 2. Defendants are Leonard E. Guise & Holly A Guise, individuals residing at 203 Chestnut Street, Mt. Holly Springs, PA 17065. 3. On or about December 23, 1989 Defendants applied for and were issued a Loan by Plaintiff in the amount of $17,389.26 as evidenced by the Note & Security Agreement attached hereto as Exhibit nAn. The loan was assigned account number 710024290, ANNUAL ".CENTAGE RATE r~. lO',r of ,ou' "..I,t ",...",'11' FINANCE CHARGE till' ~"".. .m~"OII". ,,,'rJ.!*''''Oll,,,u Amount f"1,lnct!u . 1""""""1"'''''-1'0",''1'''' '""....."",.,,,'I..",! T.,I.11 01 f'.ltlll'~nt.. ". 'IIl""nt '"'' .", ~". 0"'11"" ,"u "~.. ",,_,. "t" '",Iu''') p~,,,,,ntl NOTlCLlltr>r(11'lI 0 .....'...lltMtllbollel"-"FlN.ad Item, Illon or Am9.U."l Fln,nc~" A_IIl""11lt1ll 17,38'1.)6 11.0 % S IJ,ll'Jf,,2J 11i,!iJ'J.l., I 11..!I":'j~)_~~L~J Alrlaunt "rln 10 I"lII ~"t<Il, S"~"IJ "..".to l,,,n~ I '," ,".1, ,"""',1 '0 I,,:: :',. ji..lI"r p'Olll"h r,.o,"~ P""......, :rx: I~r.j ","" r'~!,,," "I, ",., 1><'Ii""',' (,r,ol 1m 1 12_ ~_O() P"Ollmt~1 " .or" P4'"'" "', .,," '..' "01 "...Io~" . t..,~", .~.~:';~?~O A_nllUOIlon,Qlj"CCOUftl . 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Ulhr BlIrro..tr dunn' pi' tb,ikbl.,ou "lIIbulto. Hf\u.rYllunnarrurd lup.yif,nuh..tlo.lndth.1 Yflu".nllo.cctpllhh r~pon,ibilily. ':' "IIU m.y h..f' III p.Y ull III lht full .mnunl uflhf drhl iflht IInU""'rr dor\ nnl p.y. \'nu mlY .lto hut 10 pI,lllf frn or collutlon en\h,"'hiehincrra\~lhi\lmtlUnl. fht Crrdilm Cllll collfel lhi\llrhl frum \Ull ",illulIll fir\11r, inJ: In clIlItel from Ihr Bllrrfl..fr. Thr CrrdiCo,nn uw Ihr,.mr contctlnn I1Iclhmh IJ:lin\l \UU Ih.l cln he u\td IJ:lIin\llhf' "'"''''''cr, \uch H \uinJ: 'flU. tic. Iflhl\ dthl i\ f' tr in drtaull,lhll tael mlY hrcomt a p.,l of,l.tlurcrtdil Hcord. il,. 111,.\'/ H ',\ .H'Hf:1 r ~(, HI. flff..\' r "",,_ 'h, ptfl"" I." r<"""""~h'''.'' "(""~"o.."!..I..", rl"m". I" P'\' h'"' ollonuro'dUl~' Am"~n' F'~.rad.rlul """,'.001 ,,'h<l,hl""'. "r'''''<I,,! ,,,,n,,\,,,, \"'"'"''n,I'"h,,,...''''h''.,''.lh.,'II'''''''"''''I'h''~'''',..p'''''li.ndlnK.th('...llhlhtllmrn..... 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IUHlI'" "WI Illlll\lrHlIJ ~"'J "liIlHlo\TlO'" fi;jO-- VERIFICATION The undersigned hereby states that she IS d CUrl,,"""" Loan Officer for the Plaintiff PNC Bank, N.A, 1n the ',1 1th lrl ,.,,,;(' and verifies that the statements made in the Complaint lr1 r!~ll J\'ction are true and correct to the best of her y.nCJ'....l(.\1(Jf-~, ,nformation, and belief and understands the statements there1n are made subject to the penalties of 18 Pa,C.S, 4904 relating to unsworn falsification to authorities, / Date: Q-1-1G, {C/; t & (It L f(f, I'i rtC,. (11J/Y'--1 (l-~tLJ' ;Jo,t ,(,4 h t--r )... o L,,--, Ii J H lL, /1, j / ~7) " ',:" >- o. C':; ,- j:'~ (" , . LJ ,i-~ C;.. ,- (.,:'''- ) If' . " y'" :i <: C').~ \:J ,- l..:....;'- :IJ L' , .. , . " ~' - j ""-. ,~ u. . c' U ., c. U ~ \~ ~- '.r-. \ '-.J - j '0 ~ ~ ,p I'\,< - ~ r-.,. '" ~ \'- "1 1'<\ "'1 '" '" N . 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"..,,'.. 5,% =r fiLE It ,. '0..1&1. z:.,';. "lI",<( -:c. , U', :.' . , .. PNC BANK, N.A., Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. 96-4615 CIVIL LEONARD E. GUISE and HOLLY A. GUISE, Defendants CIVIL ACTION - LAW vs. GEORGE T. LOWE and KATHERINE L. LOWE, Additional Defendants : COMPLAINT AGAINST ADDITIONAL DEFENDANTS LEONARD E. GUISE v. GEORGE T. LOWE AND KATHERINE L. LOWE AND NOW comes Defendant, Leonard E. Guise, by and through his attorney, Michelle R. Calvert, Esquire, and files this Complaint against Additional Defendants, George T. Lowe and Katherine L. Lowe, and in support thereof avers as follows: 1. Defendant is Leonard E. Guise, an adult individual residing at 203 Chestnut Street, Mt. Holly Springs, Cumberland County, Pennsylvania 17065. 2. Additional Defendants are George T. Lowe and Katherine L. Lowe, adult individuals residing at 603 South Second Street, Chambersburg, Franklin county, Pennsylvania 17201. 3. On or about December 23, 1989, Defendant and his ex- wife, Holly A. (Guise) Schick, were issued a loan by CCNB Bank, N.A. in the amount of Seventeen Thousand Three Hundred Eighty- nine Dollars and 36/100 ($17,389.36). 4. The loan was evidenced by a Note and Security Agreement, in which Defendant and Ms. Schick granted CCNB Bank a mortgage on real property located on Old Town Road, South Middleton Township, Cumberland County, Pennsylvania (hereinafter "the Property"). 5. On or about September 29/ 1994, the property was sold to Additional Defendants at tax sale for the upset price of Seven Hundred Thirty-seven Dollars and 83/100 ($737.83). 6. The property was subsequently transferred by Additional Defendants to Edgar E. Dorsey, Jr. and Sharon L. Dorsey (hereinafter "Dorseys"), by deed recorded April 4, 1995. 7. The sale price in this transfer by Additional Defendants was Twenty-five Thousand Dollars ($25,000.00). 8. At the time of this sale to Dorseys, a title search on the property revealed the existence of the mortgage lien in favor of PNC Bank, N.A., successor to CCNB Bank, N.A. 9. In response to an inquiry concerning the status of the mortgage, a representative of PNC Bank advised that the mortgage obligation had been paid in full. 10. This information was incorrect in that the loan to which the mortgage related had never been paid. 11. The transfer from Additional Defendants proceeded on the basis of this information, and funds reserved for payment toward the still existing mortgage. 12. At the insistence of the title company and Dorseys, PNC Bank subsequently prepared a release from Mortgage, which was recorded on August 30, 1995, releasing the subject property from the mortgage lien. 13. Additional Defendants received proceeds from the sale of the property that wou[d otherwise have gone to payoff the mortgage. to Dorseys were not 14. On or about August 16, 1996, PNC Bank, N.A. instituted a civil action on the Note against Defendant and Holly A. Schick alleging default and demanding judgment in the amount of the unpaid balance. 15. In its action,. PNC Bank seeks a judgment against Defendant and Holly A. Schick, jointly and severally, in the principal amount of Eleven Thousand Five Hundred Ninety-three Dollars and 57/100 ($11,593.57), plus attorney's fees of Two Thousand Three Hundred Eighteen Dollars and 71/100 ($2,318.71), plus costs and interest. 16. In the event that PNC Bank is successful in its claim against Defendant, Additional Defendants will have been unjustly enriched in the amount of Thirteen Thousand Nine Hundred Twelve Dollars and 28/100 ($13,912.28), plus costs and interest, as a result of the mortgage having gone unpaid from the proceeds realized upon their sale o~ the property. 17. Additional Defendants have enjoyed an unjust enrichment at the expense of Defendant in that neither Defendant nor PNC Bank now has recourse against the property as a means of satisfying the remaining debt on Defendants' loan. 18. Additional Defendants' receipt of the additional monies is unjust in that they were made aware of the existence of the mortgage prior to, at the time of, and subsequent to their sale of the property, and chose to do nothing to address the issue of the excess funds they received. 19. The benefit to Additional Defendants is unjust in that they have been able to realize the gain of in excess of Twenty- four Thousand Dollars ($24,000.00) on the sale of the property, without payment of the mortgage which was a valid lien against the property at the time of their sale. 20. The unjust enrichment of Additional Defendants creates an implied contract between Defendant and Additional Defendants, compelling restitution of the amounts obtained by Additional Defendants at Defendant's expense. WHEREFORE, Defendant, Leonard E. Guise, in the event that he is determined to be liable to PNC Bank, N.A. on its claim, demands judgment against both Additional Defendants, George T. Lowe and Katherine L. Lowe, jointly and severally, in the amount of Thirteen Thousand Nine Hundred Twelve Dollars and 28/100 ($13,912.28), plus costs and interest. Respectfully submitted, GRIFFIE & ASSOCIATES Attorneys for Defendant Leonard E. Guise By r11 { r/.,/_ {[I. t (al.AH..<..A Michelle R. Calvert, Esquire 200 North Hanover Street Carlisle, PA 17013 (717) 243-5551 AFFIDAVIT I verify that any facts not of record set forth in the foregoing document are true and correct to the best of my knowledge, information, and belief. I acknowledge that any false statements herein are made subject to the penalties of 18 Fa.C.S. section 4904 relating to unsworn falsification to authorities. Date '( - /3 7G - ~ <'-4 </." c' " -'- _.- -'-. Ie:: "~__"____' /~_ L.A..-L " LEbNARD E. GUISE /// ~ ... .-.. .. L:~ ." I r"'''' V H' e) , L:.::: ..... I , (J , , , C', I ~- --: l , ll~ I , i L. \..) ,~ ..) TIMOTHY W, MISNER A'ITORNEY A'l' LAW ,1'1 ~(llori I t III\( IN.) \IR1:El W^YNI:~II()R(), I'A 171lollllllu , " PNC BANK, N,A" In the Court of Common Pleas of Cumberland County Plaintiff LEONARD E. GUISE and HOLL Y A, GUISE, 96 - 4615 Civil Defendants Civil Action - Law vs, GEORGE T, LOWE and KATHERINE L. LOWE Additional Defendants vs, WILLIAM C. GUISE Additional Defendant COMPLAINT AGAINST ADDITIONAL DEFENDANT WILLIAM C. GUISE NOW come the Additional Defendants, George T, Lowe and Katherine L. Lowe (hereafter "Lowes"), and for the cause of action against the Additional Defendant, William C. Guise (hereafter "Guise"), state: I. That the Lowes are sui juris adults residing at 603 South Second Street, Chambersburg, Franklin County, Pennsylvania 17201, , ~, That Guise is a sui juris adult whose last known address was 205 Chestnut Street, ML Holly Springs, Pennsylvania 17065, 3, That on or about December 23, 1989, the Defendants and Guise made, executed and delivered to CCNB Bank N,A, a note and seeurity agn:ement in the amount 01'$17,389.36, a eopy of which is attached hereto and made part hereof, 4, That the Plaintiff in the above captioned matter is thc successor in interest to CCNB Bank N,A, 5, That on or about September 23, 1996 Defendant Leonard E, Guise tiled a Complaint against Lowes demandingjudgmcnt in the amount 01'$13,9/2,28 plus costs and intcrcst. 6, That Lowes tiled an Answer Containing New Mallcr to the Complaint tiled by Defendant Leonard E, Guise dcnying liability and demanding judgmcnt againstthc Dcfcndants togcther with the costs of the action, 7, That Guise is jointly and sevcrally liable with the Dcfendants on Plaintiffs causc of action, 8, That Guise will bc unjustly cnriched if Lowes arc rcquircd to pay Defendants' and Guisc's debt to Plaintiff: 9, That if it is judicially detcrmined that Lowcs arc liablc for any sums due thc Defendants then it is avcrrcd that Guisc is Iiablc pursuant to the tcrms of the notc and sceurity agrecmcnt datcd Deeembcr 23, 1989, attachcd hcrcto. or is liable ovcr to Lowcs lor indemnification and/or contribution, any and all liability on the part of Lowes bcing exprcssly denicd, t ~. .,...... ,,1\0" ..~n\l.~ . "it \ ~~~~ll't" .,. ~\Of.fO >t'l.\l!r.t.._ ~ !.t(.\l.'t ..01\Ct: . PNC BANK, NA, In thc Court of Common Pleas of Cumberland County Plaintiff LEONARD E, GUISE and HOLL Y A, GUISE, : 96.4615 Civil Defendants : Civil Action - Law vs, GEORGE T, LOWE and KATHERINE L. LOWE Additional Defendants vs, WILLIAM C. GUISE Additional Defendant NOTICE You have been sued in Court, If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you, You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the complaint or for any other claims or relief requested by the pluinti ff. You may lose money or property or other rights important to you, YOU SHOULD TAKE THIS PAPER TO YOUR LA WYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, Court Administrator Fourth Floor, Cumberland County Courthouse Carlisle, Pennsylvania ToI"ho", No., (7]7)24~6200941~ Ti othy W, Mis~r Allorney for Additional Defendants Lowe 10#21424 230 S, Potomac Street. Suite C Waynesboro, P A 17268 (717) 765,8080 , 4. That the Plaintiff in thc abovc eaptioncd mattcr is thc succcs~or in intcrcst to CCNIl Bank NA 5, That on or about Scptcmber 23, 1996 Defendant Leonard E, Guisc tilcd a Complaint against Lowes demandingjudgmcnt in thc amount of$13,912.28 plus costs and intcrcst. 6, That Lowes tiled an Answer Containing New Matter to thc Complaint filed by Dctendant Leonard E, Guise denying liability and demanding judgment against the Defendants togethcr with the costs of the action, 7, That Guise is jointly and severally liable with the Defendants on Plaintiffs cause of action, 8, That Guise will be unjustly enriched if Lowes are required to pay Defendants' and Guise's debt to Plaintiff. 9, That if it is judicially detennined that Lowes are liable for any sums due the Defendants then it is averred that Guise is liable pursuant to the tenns of the note and security agreement dated December 23, 1989, attached hereto, or is liable over to Lowes for indemnitieation and/or contribution, any and all liability on the part of Lowes being expressly denied, 10, That pursuant to Pa, R,C.P, 425(a), copies of the pleadings tiled in the action are attached hereto and made part hereof, . WHEREFORE, Lowcs dcmand judgmcnt against Guisc Illr $13,912,28 plus intcrcst and thc costs or this action, r:~ , T mothy ,Mi 'ncr Attorncy for Additional Defcndants Lowe Attorncy 10# 21424 39 South Potomac Street Wayncsboro, P A 17268-1610 (717) 765-8080 We verity that the averments set forth in this Amcnded Complaint are truc and correct upon the undersigned's personal knowledge or upon information and belief. Wc undcrstand that falsc statements herein are made subject to the pcnalties of 18 Pa, C.S, Scction 4904 relating to unsworn falsification to authorities, Date: I Fi1/"i'1 y;f~.I' 7: .r~ George T, Lowe 7f o:tI~ X ~~ Katherine L. Lowe - Date: / f;J.1( <7't ,(.-- ._.....rt.....,al,....'........"..... ,'"~" ",. ". "_...",, """.-"",,........ ..-...".".....:'~.:.:;'.::::.. 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'" ,"up ..:M..o-ll.. ..... ,~",ofcrool~ ...."""""'0 tIoo ;ro>ftIl....... ~ ... ,.................1................. 01,,,,',1, ',...M.OO.."dI'.......'""'..... ,..."....r ........_<::l.u1"l........JI............U.,..,., .....,..l..~v.... ....,.....,~ ~". ~('Ro,04.I"...IICI.. S~I<<I ,. ICCII............ ,JIoo,..."... 1I'4_,ft.. ~4.,..1O......,"1of..~__ '. ".. ;....... ......fl"...- '" ........... ""'" r...l, """&0". .... .."""""" 1. "'" ....... a/ ,till.,......, of ,,.. ,.....&0..-... ..1.r4 01 ......n_ <lLfI.. ooJ1... .............. d..... P10nCL Su: ntO"T SIOr. rolt eMP'OltT....T l"rOll..."nOlO .'.::., .. _.. .=.;....=r -?:-: ......'Cl........-. .."""-S>'-.;.... . _.:'~~'~~~ .., ',~ w '.-::~- -' .:. " ~ . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PNC BANK, N.A., Plaintiff -vs- LEONARD E. GUISE AND HOLLY A. GUISE, Defendant(s). NO .tiC, - it 0/ j - (!;JL TYPE OF PLEADING: COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF: PLAINTIFF, PNC BANK, N.A. COUNSEL FOR PLAINTIFF: MURRAY A. FELDER, ESQ. Pa. I.D. #39331 TWO LOGAN SQUARE SUITE 1520 Philadelphia, PA 19103 (215) 963-3400 . TRUE COpy FROM RECORD In TeStiinonywhereof, I here unto set my ~ and th of id au t Carlisle, ~0 T f 19~ ~. "'~ . NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance perSonally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a jUdgment may be entered against you by the court without further notice for any money claimed in the complaint or for any claim or relief requested by the F1aintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS FAPER TO YOUR LAWYER AT DO NOT HAVE OR KNOW A LAWYER, THEN YOU SHOULD GO TO THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU HELP: ONCE. IF YOU OR TELEPHONE CAN' GET LEGAL LAWYER REFERRAL SERVICE CXlURT ADNINISTRA'IDRS OFFICE 4 th FLCOR CUMBE:RLANo CXlUNTY CXlURTHOUSE ONE CXlURTHOtJSE SQUARE CARLISLE, PA 17013-3387 717-240-6195 ~.. . HOTlCl;llc"-':... Cl ,............fI.....;.;,.~ ANNUAL ,ERCENTAGE RATE ""'cnlll...... (Il"~ tit,,"""!' FINANCE CHARGE ''''''_I_'II~1 "K~."'':'1l ,.. AmOyn! F"in.af1ced . I fOlal 01 P.atmenl\ hl'_"!" "0!l11')l0"'''' r'.,_M"","" "., "'''' ,~" '.,.,..GlOIl_ilO"'" ......"...64I..."'tol~'l'\lIl<,"',.l\. I I, It,24UiO II mil OM Of 111I0 Mr.MI~ -'- l1.J8'J,)6 ~""'.l"lOIilorlCll'J lJ.O % S 1l.856.24 1 L7.Ja?J~ '-'CilA'4...,-~ . ,au"n_k"".""",ilO ~v"'Ool'oI'U""'1I I '_011.'......"" II 60.)8 ..,.,..,.........11 "-ClIo:I.Ol1\ef'\........~ --- I "'.1. ''''''"lI ~"IA.. ~ t,Ioollf\l, )Or'''''"' eOCUU"'1 t:1 19 s.c."ry"'OOlllr""IIIK"""."""'. CJI".pld'IlI'OIlOtrT'l_I~C"lIo1l1 x:z IO"~ '1\00:00110/I01 ~l~" ~IDt""1 """If"ll 12.00 ,,,IloI,.....t:It'aujl.l'IIlU"I,'OII....I!OI.'.'''Q.I',;)O''..,., Re4..l E5tlltl! " vehicle .~"".~ 2.389.36 """" ~VJ'id~. Ii.A. - . . , '" lOy'CO"I'W ~"'""',"III<lf ,.,"'4'1lO/I",.fO'''',_ ._1 .""Il<ll"'f"l 'Iflu.. ..,'t<l""rd"~''''..',"!''oIilOl...!"r\("<<l"OId 1111. 1100 o"",..,nl "lIoftOl"ftOlllfl'l~'"' T~. "n.w>' Por....."., ~"'. ""'awn' F,nOftctd.1IoI P......., ~c~<da~ ,~".. 'I><Iv.'" ~.n a/"" ..... ..0 So<wn,v "I_....l(...""e..e&lloil,t>f........."\ v"" on 'l'w ,.,,..... ,a' ..""." ...a "I.'... .I.."'a....... .'a.~'I.... !>I'a_ II III"" ,~Oft a.. ;10""."1.' ""'0" .,,~ 01 .OW ...11 bot ".~... ..Don..l'...... '.~I.". lOf all 01 'Q~' p.a'."... ,. '." ~atl YOU PIIO\.1I~E @" CC;\B Rank:x.1" lJl BRIDGE m!n TO P"V TO US ~ A:U:Ulolr'juOC\IH:avr.:t.a, NEW CU'.,URl),ND. P[NIlSYW.,'IIA 11070 oJ' '0 h. o.d" ".n> "f o~, o,r"" ,.. A",o~.i1!;.-;"""O ~,~ ,.,...., ... .'"..d''' ".,0.. '. ,~. ..."'1'" 0' 'q~.. m".,.I, D.".....U ollo.... ," ,.. P'J"I"O.' SC......... P,,"'c.lI ",d... "",..,., o. ,~. 01.. '0<1":"14 ,.,~. P..m,n, ~.f<l.."'Od ". ,., lime Hvol.o<. '.110.'.' 11I0.'. ..."1.. on pul... ML Vo......, p.o,'. 001_-.- 011 ," ~." 01 ,.e ,..."'.~..." ,., ,,"'.. ..,,~o.., INn.lI, O' p"m,wIII SCCURITY AGREE,"'E,"'T A'Mc..n"Io. ,~, O'O"'D' ..,m,., 0/1'" '..m'.... a.., .nd ,~. P'OIN' INrlo""..... or vO.., p'om'.... ,,, '." "0". ,0" ..0 rJl ,., .C...u..n...."I.'.,Dc'iO..I".'... 1'1 'I<<~"'Y ,n"tn' '. '''' r."."'.llNno." o,opoon,. .nd ," "_..'p",.nl ..d .<<"'0"" 1985 rol:':! VM\ I ,I I Set'ul tlrnE11'fXfHA2L960_1'\'~' '1...<1.1. NOW I/'IITERC5TIS CHARGED: Tho r,"uco cu.,. "'....u o.1y oIi......., '''i>'>N<lH,j,..'ft'''~'''''''''..hjll/>Cll''/IIloA.moQ.,P;.~..''''411.wol P"oo"..rolltl.n.F,..n""CrIf,r..II......._...r.,..m~...........,'....all p.,""."........,''''olo'''~.,'J....4._lt...,~'..I>U.,......''''iI'",1lI0.. .,...... C~U'.,~.. ,.,ft"... _.....0/'... W4WOO\.rJ 'Oltfal ""~ It}'O~ ~., ..,",'..F,..."C~..I'...,lllooOlrU The f4l......of',..,"'"'..",........," F;u...C~."'..lItloJ.....,'hl~.I.II""'.-..I...tlJ<II...III>c"'<><liJ"OOIlI"..n.a ,~, ""..i1 uno..,,' "... d... . "". ".~".. .""".. ....,..~., ~..", ..".~ ...........,.. w~.~ ,.. ,~. PO"""" p,.~".Il'.'I.."".... ,;" .MM.."..a". tot on Otd Tcwn Pd. CClnt"'inq ~lXl. 1.867 ~cres \11 ,,,.p'O,,""y ..ftlCh......"'I~,.NO".,(tIl.d'lIC.colltl..&l 'O..rnl.II"O ..."....po."..~."...."..'d'......po,.,.,...,p,opo..,C"I'."'.I...p'o.>d...'.,ft,. )"wtu, A~...m''''. "'."" Co.".~., o. "" .......... ...... O~, "I~U '" .., "" p.opc"'Coll.lfUlut"'..'....<d;.'hc'-4orll.rc.A.""a'....._.Y.....'ll .aopo.."..ojo,."'"~..'."'n'.lrndr.h.ldQ(..mu".I'Id'"..Io'nl..y"'~" '''p. ..0"... ~..'" ....u.,,'" po.,..,. m',."O'" porl"".o. .r. .." ..".r, .~. FLoon,'<$UII.,,"CE A"OPROPEA.TY IN~U"A."CE\,("Y IEOITAJ:>'ED ""..n"'.......".IItcCaU"...J. THROUGH A'<V AGE~T. BROItEl OR OTHER ~EII.50H OF YOUR II' "0 RE...L 011. PfIl.SO..AL PROPERTY IS IOE..T1FIEO ABOVE. THJS CHOICE. S...l.'a,..a,. p......p~:.."fl.bc s..nuu, A""'lOell'on'bo............. ~OTE IS UIo5ECUllEO ...... CREDIT 1,"SURAfYCE IS NOT RE(1l1lRCD: S..lt)CC'l ,,, ,,"cp'..co h '''' ,....... u",.d ""lo...<tId" ,.,........" ....I.blt '~'''''P '" ro.lhf....... or ,.,,~...... UIo <"""".o",.ec,,,.. S'.II.Cm" Llft..dS'.Il.CIt'd'IACCld..'okH..I'hl................I.lt'.'O.M"..e....."...",Co-S,.....lI"'4It..'.....'......Dc'IO.. J",,,. C.."'I Llf, I ..a..... " ....lule I" .., I... 01 'ow.,..,," I ro, ,..<. ,.......... "'10'" "0 ,..<l,l,.,....." ..,"11:1< p,,,..,,.... ".'atIOl op~...p<\iU .UlIme.l/U " "pood lty 11M PO"."" '" Dc' ,.....,,0 ..0 '0. <om .U..n l>Clo_ on '''''~dC'd ." ,~. A"'''"., F'.I'<I'd ,S.. 1ft. .o;OTICE OF PR 0 POS E 0 C ~ EDIT 11'lSU R....'lCE "n 'M .......... ......1 R, ".,,,nl. Ie" "".1 5"1" Crod" lor, :..a.._. lA' "I.'~I- l"''' ...., ~,""' Cnoel,' ..~d."'''' 14.01,. 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'....r pO".'..,..".,.,..,.."'.I.,."pO,''''&ld_''''...C>l.....~.."'''........tf...lI.. fulllfnllollMI'OlO .,4.: l5 Wk....,......I"._V.." l5 .....~....70....,.I_Y..n tS,..........oI-.IIpcno...""........;;;;r-V...... fo.JIhA,(:nd"W.I..."ullOl I.,~"" THE AOOlTlO~"L TERMS A1'lO ~ECUIl.ITV ACII.EE~ESTO'l THE REVERSE SIDE ..RE P..lITOF THIS ...on ~::o BY SIGNING BEla..... YOU ISTESD TO BE LEGAllY HOU"O BY ..lL OF THE TER~S OF THIS NOTf. 9 '" ~ tOU ~so ACIt'<OWLEDGE RECEIY!."G.. COMPLETED COPY OF THIS '<OTf. ::?""~ C~ 203 Q1estnut St.. Ht. Holly Springs, ~"o"""S'I"""" A"~rn> ~ C\.. _~~~ 203 O'.estnu': St., Ht. HoUy Sp~..1lg'5. '''''0'''.' S'I""~tf Addl'nl P". 17065 P;!I. '7065 NOTICE TO CO.SICNER ~" - 't.~.... .. I You ar~ tHin I ..Iud 10 luarulf.thh d,b,. Think cudul1y bffo.. you do. Hlh. BarTO"" doeu't 1M1 dN~'.10u,..gJ b.ay.IO. B.,u'.Joucan.rrordlopaJifyouhaulo,and thll JOu "'nl 10 'c~.pllhllrnpontibillly. ..' ...r . You mlY hare 10 pa, up 10 lhe full.moun' of lhe dfbllflhf Borro..., don nOIPIJ. VOII mlJ .II(! baulo \loIJ lalf ffa or C'OI1C'dion I COSlS. "hlch IncuUCllhillmol/nl. ' Th. CrfdilOr cln collKllhit dfbl from rOu ..ilhoul n..,t u)lnllO col1f.1 f,om Ihf BOlTo"", The CrcdllOl'Cln _Ihf ...m~ ~onK'l1on mflhudl'llinll )OUIIIOl cln bfused 'I.inn Ihf Barro"ft.tuch utuinl)Ou.fIC.lflhi' dfblb u.rln dfhuh.lhal fin maJ b...omf. I i plll1 of your cud II rfcord. . .. Co.SICliCR'S S/JIlCTT .4CREEME.'1T. vow. ,lie IN"".('" ""no..l"I""I" 'C",S'I.""l><'O" ~,,,,,,,..'o ~., ,,,... Q"O oW. <Il"oln,,,, A....."" F"1I\UOOIId. p'''' I ,n'''"1 ..<1 a,.".ft"I"," .'o..d.... ,. ,~.. 1'l0IC. Vow ,.....d '0 !>I 1""" tMl..Od~,." ,~, """..I'ft" ."0'.. "P"....,'M 'Ol"lIIf'. ..". '''' 80.."-1', V..~ on ml_'.llft" p,.m,.. ,. ,""........ '" "'." ,.. I".n '0 I'" B."o......~. '.0"1~ ,~. ~........,"',lll><...... ".1, ,,,. "M s..........''1...nof... Y.... .....I.........Y_1 ''''........... p.~"'..' I,.m ,0" "'''~".., m..,.,.., ,no. d'''''l'Id 'e, p.,...., ...0. ,PIC B...o.." Yo.. 0110 "_.0..1"'1' '.""".1' ...",,101'" copy 0( 1ft.. !oI.... I _ . 205 Olo5tnut St. 1.~/~ C. ~ ~ Mt. Holly Seeings. Pa. 17065 12/23/69 t C"'~'I"" S"..,.... Ad",," 0... I Co-~'I"..'I S'I....... "~d'''' 0... Co.OM'.'1EIl-S SEC/,Il/Tv .4GRCc.wE.\Ir Yo~. '1M po"o. "1.'.1 u "c..o....,' ""'0". '01'''''' ..,'~ '0' 80"0." ".............. ""'"I 011 oI."'.-.on 0/ ,PIC Con."..,. 1'1"'.' '1I.~n.. ,"""" '. ,~. C"II.".rJ ,d.."r,.d .M.., It ,ft. C"II..."" CUIl'''~' "''''"... p.o""..." ,.... '1"" ,.. '" be......"., 'PIC ~ oil'" Secunty ",........ .0...'..... ,.,~,. .~o".I/'..C"".....'co.,,... "I ,..1 ~.OIN...,. ,,,.. """" I>f &o~.d ~.'o. "",....I,ft, ....en,.,.. y....." 1....".1... ,ft,. .......".. ,.,.tn, '0 ,.hU~, '. ...u ,'" IO'.I"'~' 8<1..0.... .M '0 wc.." ,.. ~OIm.n' ~>10. Bo",,~..., "'I~'" ~~. ""d" ,ft,. ~.... If. ."". dd.." "",..Ie .IIM C"II....... ,.." "",".", .., ..", ...11 d...... O. ,'" Ne... Y"~ ...'11 _ bot "k"...f<lle ~.,~. I"" '0'" \:...0......'.10'1....... ....0"'''''1' PO.....,,.,,......., ..."d..... I'oOTIC[; SU: A(V(R!\[ Slot rOR IMI'I)RT..:OOT INrDR",...nOI'l D_ .'_.....ro."'.....I.....L'... payments. Additional sums of Five Hundred Forty-Five Dollars and 23/100 ($545.23) and Twelve Hundred Seventy-seven Dollars and 43/100 ($1,277.43) were thereafter applied by Plaintiff toward the outstanding balance. These amounts were seized by Plaintiff from other PNC Bank accounts held by Defendant and Defendant's father, respectively. On or about November 2, 1995, a representative of Plaintiff known only as Mr. Wright advised Defendant, through his at~orney, that the outstanding principal balance was Ten Thousand Seven Hundred Ninety-three Dollars and 95/100 ($10,793.95). 6. Admitted. 7. Admitted in part and denied in part. It is admitted that the Note provides for the addition of attorney's fees of 20% in the event of a default. The allegation that attorney's fees at this rate are reasonable is a conclusion of law to which no response is required and the same is therefore denied. 8. Denied. The allegations set forth in Paragraph 8 states a conclusion of law to which no response is required, and the same is therefore denied. WHEREFORE, Defendant, Leonard E. Guise, demands judgment in his favor against plaintiff, FNC Bank, N.A. .NEW MATTER 9. Defendant Leonard E. Guise's Answers contained in paragraphs 1 through 8 are hereby incorporated as if set forth at length. 2 10. As indicated by the terms of the Note and Security Agreement attached to Plaintiff's complaint, the instant debt was originally secured by a mortgage on real property then belonging to Defendants located on Old Town Road, South Middleton Township, Cumberland County, pennsylvania. 11. The mortgage, in the amount of Seventeen Thousand Three Hundred Eighty Nine Dollars and 36/100, ($17,389.36), was originally recorded on January 8, 1990 in favor of CCNB Bank, N.A., predecessor corporation to Plaintiff herein. 12. On or about September 29, 1994, this real property was sold at tax sale to George T. Lowe and Katherine L. Lowe (hereinafter "Lowes"). 13. The property was subsequently transferred by Lowes to Edgar E. Dorsey, Jr. and Sharon L. Dorsey (hereinafter "Dorseys"), by deed recorded April 4, 1995. 14. At the time of the sale to Dorseys, a representative of Plaintiff advised Frofessional Abstract, the title company conducting the real estate settlement, that the subject mortgage had been paid in full, and would be marked satisfied on the records of the cumberland county Recorder of Deeds. 15. This information was incorrect in that the loan to which the mortgage related had never been paid. 16. Proceeding on th~ basis of this incorrect information, Professional Abstract conducted the settlement without reserving funds for, or making payment on, the mortgage. The mortgage lien thus remained on the property after the transfer. 3 17. At the insistence of Frofessional Abstract and Dorseys, Plaintiff subsequently prepared a Release from Mortgage, which was recorded on August 30, 1995, releasing the subject property from the mortgage lien. 18. As a direct result of Plaintiff's negligence in providing incorrect information as to the status of the mortgage and in releasing the subtect property from the mortgage lien, Defendant's obligation on the Note and Mortgage was not satisfied out of the proceeds of the sale to Dorseys. 19. Defendant's obligation on the Note and Mortgage would have been satisfied but for Plaintiff's mistake, since the obligation constituted a valid lien on the property at the time of the transfer from Defendant to Lowes via Tax Claim Deed and at the time of the transfer from Lowes to Dorseys. WHEREFORE, Defendant, Leonard E. Guise, demands judgment in his favor and against Plaintiff, PNC Bank, N.A. on its claim, and that Plaintiff's Complaint against him be dismissed. Respectfully submitted, GRIFFIE & ASSOCIATES Attorneys for Defendant Leonard E. Guise By JfVJ I cJult. ~,(.A.1U.,J Michelle R. Calvert, Esquire 200 North Hanover street Carlisle, PA 17013 (717) 243-5551 4 AFPIDAVIT I verify that any f~cts not of record set forth in the foregoing Answer and New Matter are true and correct to the best of my knowledge, information, and belief. I acknowledge that any false statements herein are made subject to the penalties of 18 Pa.C.S. section 4904 relating to unsworn falsification to authorities. Date 9-/3 -7C. F /'L- ON GUISE // - vs. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 96 - 4615 CIVIL PNC BANK, N .A., Plaintiff LEONARD E. GUISE and HOLLY A. GUISE, Defendants CIVIL ACTION - LAW vs. GEORGE T. LOWE and : KA'l'HERINE L. LOWE, : Additional Defendants NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defense or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO ~IND OUT WHERE YOU CAN GET LEGAL HELP. cumberland County Court Administrator Cumberland County Courthouse 1 Courthouse Square carlisle, PA 17013 TRUE COpy FROM RECORD (717) 240-6200 or 697-037tnTaslimonywhereof,lhsreuntosetmyhaml anct i~a 58a1 of said Court at Carlisle, Pa. Thi~ <<L",r<>' day of ~", 19Q(" \ }...Do. \0 MI'>.UlI01Ctv-1 ~, prothonotary' , PNC BANK, N .A. , Flaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 96-4615 CIVIL vs. LEONARD E. GUISE and HOLLY A. GUISE, Defendants CIVIL ACTION - LAW vs. GEORGE T. LOWE and KATHERINE L. LOWE, Additional Defendants : COMPLAINT AGAINST ADDITIONAL DEFENDANTS LEONARD E. GUISE v. GEORGE T. LOWE AND ltATHERINE L. LOWE AND NOW comes Defendant, Leonard E. Guise, by and through his attorney, Michelle R. Calvert, Esquire, and files this Complaint against Additional Defendants, George T. Lowe and Katherine L. Lowe, and in support thereof avers as follows: 1. Defendant is Leonard E. Guise, an adult individual residing at 203 Chestnut Street,. Mt. Holly Springs, Cumberland County, Pennsylvania 17065. 2. Additional Defendants are George T. Lowe and Katherine L. Lowe, adult individuals residing at 603 South Second Street, Chambersburg, Franklin County, Pennsylvania 17201. 3. On or about December 23, 1989, Defendant and his ex- wife, Holly A. (Guise) Schick, were issued a loan by CCNB Bank, N.A. in the amount of Seventeen Thousand Three Hundred Eighty-' nine Dollars and 36/100 ($17,389.36). 4. The loan was evidenced by a Note and Security Agreement, in which Defendant and Ms. Schick granted CCNB Bank a mortgage on real property located on Old Town Road, South Middleton TownShip, Cumberland County, Pennsylvania (hereinafter lithe Property"). 5. On or about september 29/ 1994, the property was sold to Additional Defendants at tax sale for the upset price of Seven Hundred Thirty-seven Dollars and 83/100 ($737.83). 6. The property was subsequently transferred by Additional Defendants to Edgar E. Dorsey/ Jr. and Sharon L. Dorsey (hereinafter "Dorseys"), by deed recorded April 4, 1995. 7. The sale price in this transfer by Additional Defendants was Twenty-five Thousand Dollars ($25,000.00). 8. At the time of this sale to Dorseys, a title search on the property revealed the existence of the mortgage lien in favor of PNC Bank, N.A., successor to CCNB Bank, N.A. 9. In response to an inquiry concerning the status of the mortgage, a representative of FNC Bank advised that the mortgage obligation had been paid in full. 10. This information was incorrect in that the loan to which the mortgaga related had never been paid. 11. The transfer from Additional Defendants to proceeded on the basis of this information, and funds reserved for payment toward the still existing mortgage. 12. At the insistence of the title company and Dorseys, PNC Bank subsequently prepared a release from Mortgage, which was recorded on August 30, 1995, releasing the subject property from the mortgage lien. 13. Additional Defendants received proceeds from the sale of the property that woufd otherwise have gone to payoff the mortgage. Dorseys were not 14. On or about August 16, 1996, FNC Bank, N.A. instituted a civil action on the Note against Defendant and Holly A. Schick alleging default and demanding judgment in the amount of the unpaid balance. 15. In its action,- PNC Bank seeks a judgment against Defendant and 'Holly A. Schick, jointly and severally, in the principal amount of Eleven Thousand Five Hundred Ninety-three Dollars and 57/100 ($11,593.57), plus attorney's fees of Two Thousand Three Hundred Eighteen Dollars and 71/100 ($2,318.71), plus costs and interest. 16. In the event that FNC Bank is successful in its claim against Defendant, Additional Defendants will have been unjustly enriched in the amount of Thirteen Thousand Nine Hundred Twelve Dollars and 28/100 ($13,912.28), plus costs and interest, as a result of the mortgage having gone unpaid from the proceeds realized upon their sale o~ the property. 17. Additional Defendants have enjoyed an unjust enrichment at the expense of Defendant in that neither Defendant nor PNC Bank now has recourse against the property as a means of satisfying the remaining debt on Defendants' loan. 18. Additional Defendants' receipt of the additional monies is unjust in that they were made aware of the existence of the mortgage prior to, at the time of, and subsequent to their sale of the property, and chose to do nothing to address the issue of the excess funds they received. PNC BANK, N.A., In the Court of Common Pleas of Cumberland County Plaintiff LEONARD E, GUISE and HOLL Y A. GUISE, 96 - 4615 Civil De fendanlS Civil Action - Law vs, GEORGE T, LOWE and KATHERINE L. LOWE Additional Defendants ANSWER CONTAINING NEW MATTER Now come the Additional Defendants, George T, Lowe and Katherine L. Lowe, by their attorney, Timothy W, Misner, and answer the Complaint filed in the above captioned matter as follows: L Admitted, 2. Admitted, 3. Admitted, 4, Admitted, 5, Admitted. 6, Admitted, 7, Admitted, 8, Admitted, 9. Admitted, 10, Admitted, It is admitted that subsequent to the settlement, Additional Defendants were advised that the letter marked Exhibit B was sent in error, II. It is admitted that the conveyance from the Additional Defendants proceeded on the basis of the letter marked Exhibit B. 12. ]3, Denied as stated, It is only admitted that the mortgage would have had to have been addressed in some manner or the sale canceled. 14, Admitted. 15, Admitted. 16, Denied, To the contrary, if Additional Defendants had been required to payoff the mortgage loan of the Defendants, the Defendants would have been unjustly enriched because Additional Defendants never asswned the mortgage or became personally liable for the payment thereof. It is further denied that the amount of the claimed unjust enrichment is correct because there would have been less interest and no attorney's fees due at the time of closing, 17, Admitted in part and denied in part, It is admitted that the property is no longer subject to the lien of Plaintiff's mortgage, It is denied, however, that Additional Defendants were unjustly enriched beeause the Additional Defendants never asswned the mortgage nor became liable for the debt secured thereby. 18, Admitted in part and denied in part, It is admitted that Additional Defendants became aware of the existence of the mortgage subsequent to settlement. All other avennents are denied, To the contrary, at the time of settlement, the Additional Defendants, based upon the letterofPNC Bank dated March 23, 1995, a copy of which is attached hereto and made part hereof and marked Exhibit B, reasonably believed that no mortgage existed in favor of the Plaintiff, Since the mortgage was subsequently released from the real estate sold by the Additional Defendants they did not receive any excess funds, There was and is no legal duty on the Additional Defendants to do anything in respect to the proceeds received at settlement because the Additional Defendants were not and are not liable for Defendants' debt. 19, Denied, To the contrary, the Additional Defendants did not realize any unjust gain because they have no personal liability for the Defendants' debt. 20, Denied, To the contrary, there' was not and is not any contract between Defendants and Additional Defendants nor was there any unjust enrichment for the reasons set forth herein and in New Matter, NEW MA TIER 21. That prior to closing, Defendant Leonard E, Guise executed a deed for the real estate encumbered by Plaintiffs mortgage which deed is recorded in Cumberland County Deed Book 120, Page 577. 22, That Additional Defendants believe and therefore aver that Defendant Leonard E, Guise was paid $1,000,00 in consideration for executing the deed referred to in paragraph 21, 23, That Additional Defendants believe and therefore aver that Defendant Leonard E, Guise was aware of the existence of Plaintiff s mortgage at the time the deed referred to in paragraph 21 was executed but did not inform either the Additional Defendants or the settlement agent of this fact. 24, That Defendant Leonard E, Guise did not pay over to Plaintiff the consideration he received for the deed referred to in paragraph 21, 25, That at the time of settlement on or about March 31, 1995, Additional Defendants and the settlement agent reasonably believed that there was no mortgage lien on the real estate based upon the letter marked Exhibit B. 26, That based upon Exhibit B, the settlement agent transferred the proceeds of sale to the Additional Defendants without paying Plaintiffs mortgage. 27, That only the real estate purchased by the Additional Defendants at the Tax Sale was subject to the mortgage lien; the Additional Defendants were never personally liable for the debt. PNC Bank. N.A. 4~"2 CarliJIl: Pik.c (~~l1p Hill. p~ 17011 C117173(l.IJ71 calioawid.o 1..&00.846-2265 m '2371 PNClBANK March 23, 1995 Holly Keller Professional Abstract 3920 Market Street Camp Hill, PA 17011 In Re: Mortgagorls: Lenard E. Guise and Holly A, Guise Mortgagee/s: CCNB Bank, N.A, Date of Mortgage: December 23, 1989 Mortgage Recorded on: January 8, 1990 Mortgage Debt: $17,389.36 Mortgage Book 963, Page 790 Dear Ms, Keller: After a review of the above-referenced account, I have found that it is paid,in-fulJ. I am now preparing a Satisfaction Piece and will be forwarding it to the Cumberland County Courthouse for filing. SinCer~l ---/ /"1 ;;WCV ~ ~ ~ Tina Poley 'j7 Consumer Banking '.. PNC BANK, N.A., In the Court of Common Pleas of : Cumberland County Plaintiff LEONARD E, GUISE and HOLL Y A. GUISE, : 96 - 4615 Civil De~:ndants : Civil Action. Law vs. GEORGE T, LOWE and KATHERINE L LO\VE AddtionaJ Defendants CERTIFICATE OF SERVICE I, TIMOTHY W, MISNER, Esquire, hereby certify that on the 17th day of October, 1996, I served a true and correct copy of the Answer Containing New Matter upon the follo1l.ing by United States mail, fIrst class, postage prepaid: Murray A. :Felder, Esquire Attorney for Plaintiff Two Logan Square Suite 1520 Philadelphia, P A 19103 Michelle R Calvert, Esquire Attorney for Defendant, Leonard E, Guise 200 North Hanover Street Carlisle, P A 17013 Holly A, (Guise) Schick Defendant P.O. Box 1154 N,wBloomfi,ld,'A ~ l' thy . Mis er Attorney for Plaintiffs 230 S, Potomac Street, Suite C Waynesboro, PA 17268-2622 (717) 765-8080 - 25. Denied. Defendant is without knowledge and information sufficient to form a belief as to the truth of the averment that Additional Defendants and the settlement agent reasonably believed that there was no mortgage lien on the real estate, proof thereof being in the exclusive means, control, and possession of Additional Defendants. Therefore, the same is hereby denied, and strict proof thereof is demanded at trial, if relevant. 26. Admitted. 27. Admitted in part and denied in part. It is admitted that the real estate purchased by the Additional Defendants at the tax sale was subject to the mortgage lien. It is denied that Additional Defendants were never personally liable for the debt, as personal liability arose as a result of their being unjustly enriched by the receipt of settlement proceeds without deduction for payment of the mortgage lien. 28. Admitted. 29. Denied. The allegations set forth in paragraph 29 state a conclusion of law to which no response is required, and the same is therefore denied. 30. Denied. The allegations set forth in paragraph 30 state a conclusion of law to which no response is required, and the same is therefore denied. WHEREFORE, Defendant, Leonard E. Guise, demands jUdgment against Additional Defendants, George T. Lowe and Katherine L. Lowe, jointly and severally, in the amount of Fourteen Thousand Nine Hundred Twelve Dollars and 28/100 ($14,912.28), plus costs and interest. Respectfully submitted, GRIFFIE & ASSOCIATES Attorneys for Defendant, Leonard E. Guise By Vl11u.Jk f U1uJ Michelle R. Calvert, Esquire 200 North Hanover Street Carlisle, PA 17013 (717) 243-5551 TRUE COPY FROM RECORD In Testimony wherB<Jf, , here unto set rrry hand aoo the seal of said Coort at Carl\.sle, Pa. This ~ d?y of 7}'p ~Co tL~ 17 "'11 .z5f7r' Prothonotary {.' ~:;\- " .;-;i" ,110I 110I ,..t '" .. .r::: -,c''''''' ,R! '0-1 "111" '" ".' ,,'.',"~ ".-. 'Z :,.. !ll:" '~ , ~'- tJ Z. '.' ... >,,,. ., ..1 '..:l o = '0, r::: 'R! rzl r/l I-f t) C1 . 1/1 . > rzl . rzl Qr/l .~~ ZC1 o r<1 . III .. r::: 'R! '0 r::: '41 110I 41 Q '.'.. "",-..,' :',r '.:?".i';.~;: .;../ .;,.,-' III .. r::: R! '0 r::: 41 '0 ..... r:::r<141 IU3:Q o ~H";;j o . r::: HHO .... . r<1 .. E-<Z..t 1-f'O rzll':'O ~r:l< OE-< rzl UI III .. ... ,W < ,.~", U ;r: 1Il- -::l o. o . :5 ~ U) ~ > en . 0 < <to z.. ltl.~ ~.~., , a: %41,. 1lI'r:O li.,.J.' '0' a: ,ii:< Z~ !!:8 a: ' (OJ. C!) Cl E-<rzl E-<r/l ~~ 3:C1 rzl . Zrzl QQ ~~ Z 1>:0 f3l~ r/l ~[j . III > <"~:'~":'::',:"i',;:" 'j: -" il Ul <..,," Vf'Z "leii', ' :'~',~,>~::, .;',.... S ",'m.. . vr~Jl. 011I..- .'f "-, "Z::,;';', .. . lIf~c,:' :".x , , U ::,;.,' ''-:'', . , , . ';:. ; , , FNC BANK, N.A., Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 96-4615 CIVIL vs. LEONARD E. GUISE and HOLLY A. GUISE, Defendants CIVIL ACTION - LAW vs. GEORGE T. LOWE and KATHERINE L. LOWE, Additional Defendants NOTICE TO PLEAD You are hereby notified to file a written response to the enclosed New Matter within twenty (20) days from service hereof or a judgment may be entered against you. Respectfully submitted, GRIFFIE & ASSOCIATES DATE:~ , ) -';. ( BY Ill,' [.,; ;': r {I i ~J.I'I_,X Michelle R. Calvert, Esquire Attorney for Defendant, Leonard E. Guise 200 North Hanover Street Carlisle, PA 17013 FNC BANK, N.A., Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. 96-4615 CIVIL LEONARD E. GUISE and HOLLY A. GUISE, Defendants CIVIL ACTION - LAW vs. GEORGE T. LOWE and KATHERINE L. LOWE, Additional Defendants ANSWER AND NEW MATTER OF LEONARD E. GUISE TO COMPLAINT OF PNC BANK. N.A. AND NOW, comes Leonard E. Guise, by and through his attorney, Michelle R. Calvert, Esquire, and files the within Answer and New Matter to the Complaint of PNC Bank, N.A., and in support thereof avers as follows: 1. Admitted. 2. Admitted in part and denied in part. It is admitted that Defendant, Leonard E. Guise, currently resides at 203 Chestnut Mt. Holly springs, County, Cumberland Street, pennsylvania 17065. It is denied that Holly A. Guise, now Holly A. Schick, resides at this address. The last known address of Defendant, Holly A. Guise, now legally known as Holly A. Schick, is P.O. Box 164, New Bloomfield, Perry County, pennsylvania 17068. 3. Admitted. 4. Admitted. 5. Denied. To the best of Defendant's knowledge, the last monthly payment on the loan was made by Defendant in September 1994, although Defendant has no knowledge as to whether his ex- wife, Defendant Holly A. (Guise) SChick, made any subsequent 1 2 payments. Additional sums of Five Hundred Forty-Five Dollars and 23/100 ($545.23) and Twelve Hundred Seventy-seven Dollars and 43/100 ($1,277.43) were thereafter applied by Plaintiff toward the outstanding balance. These amounts were seized by Plaintiff from other PNC Bank accounts held by Defendant and Defendant's father, respectively. On or about November 2, 1995, a representative of Plaintiff known only as Mr. Wright advised Defendant, through his at~orney, that the outstanding principal balance was Ten Thousand Seven Hundred Ninety-three Dollars and 95/100 ($10,793.95). 6. Admitted. 7. Admitted in part and denied in part. It is admitted that the Note provides for the addition of attorney's fees of 20% in the event of a default. The allegation that attorney's fees at this rate are reasonable is a conclusion of law to which no response is required and the same is therefore denied. 8. Denied. The allegations set forth in Paragraph 8 states a conclusion of law to which no response is required, and the same is therefore denied. WHEREFORE, Defendant, Leonard E. Guise, demands judgment in his favor against Plaintiff, PNC Bank, N.A. NEW MATTER 9. Defendant Leonard E. Guise's Answers contained in Paragraphs 1 through 8 are hereby incorporated as if set forth at length. 10. As indicated by the terms of the Note and Security Agreement attached to Plaintiff's Complaint, the instant debt was originally secured by a mortgage on real property then belonging to Defendants located on Old Town Road, South Middleton Township, Cumberland County, Fennsylvania. 11. The mortgage, in the amount of Seventeen Thousand Three Hundred Eighty Nine Dollars and 36/100, ($17,389.36), was originally recorded on January 8, 1990 in favor of CCNB Bank, N.A., predecessor corporation to Plaintiff herein. 12. On or about September 29, 1994, this real property was sold at tax sale to George T. Lowe and Katherine L. Lowe (hereinafter "Lowes"). 13. The property was SUbsequently transferred by Lowes to Edgar E. Dorsey, Jr. and Sharon L. Dorsey (hereinafter "Dorseys"), by deed recorded April 4, 1995. 14. At the time of the sale to Dorseys, a representative of Plaintiff advised Professional Abstract, the title company conducting the real estate settlement, that the subject mortgage had been paid in full, and would be marked satisfied on the records of the Cumberland County Recorder of Deeds. 15. This information was incorrect in that the loan to which the mortgage related had never been paid. 16. Proceeding on the basis of this incorrect information, Professional Abstract conducted the settlement without reserving funds for, or making payment on, the mortgage. The mortgage lien thus remained on the property after the transfer. 3 AFFIDAVIT I verify that any facts not of record set forth in the foregoing Answer and New Matter are true and correct to the best of my knowledge, information, and belief. I acknowledge that any false statements herein are made subject to the penalties of 18 Pa.C.S. section 4904 relating to unsworn falsification to authorities. Date ;1- /3 ,7'( ,/ :/" c {.. '-:' i.: ~ ~ r:-, : 'i"" ('1_l!'1!'!! !n \'<'~. /', I" ; liJtiT Y I:~' "i! !!.:.i r'_~_~~, i-~t~\!!, ;~: r, I: i;U ~ :7_:;" L.~' ; N /\ !:, ~, ,_t_=-_l r: r::~~'.2-f:__l~...L!_.~:.~ 3~::,:;, ':h tQ 13....., ,,_' ,? i e;1 d;:j ;'L', r1;Jnl.;:.rj bu~. w::,z: :);1-:-1:)1;,: rjr:::'pl)1" j :...:: ri ~_ f":rc. + n :::er"l':,; the ',;::, t ~\.: n On U_~~_i:..'~ _~:?'_f-__ tho::' " . ~ ::t t t: ;:I r:' 1 I':;",' !,;.:.,t_\i. ~~herl.if . ': C~' ~:~I:~~f ~;j::)'" '-;wnr r: :::-;,',"j "'1: +. h 10' C1JC, ',lcl " '" ,. ;'if . ,,~' !:',I, " ..-j {D Cd LIl~ .~. _...~, - . ,:.: ',j 1 r', '-,~ ''; .c ~~ ~ . ". . '+','. :-.r:, , , -__1 r, ~ ;,( , ~ !' ,- ""',1 1 .~' '-': ':,' r . 'f. f: . i' ~ OJ;-: " .... " ,/'> ....--:~/ /~-.... - , r~ , ....~ I; .. --.... 1:'/1,' (:11;'::'!I,;;(if /: ( - Iii ' : ~ ;;, I,;,;,;. L~ll : ',i, ."~~'_~jY:' r\. 'r', !) '-'J .... . ~,' '~,; '/ " n~nl':rj ':;',' .:' .:-If: b " , 'f,' " - , , I '-' to, dc' l' lJ t, I :- - 1 I. t ,', -- r / .. ! .. - - I ' : ~ Url I.k' .~ h~.: a t. I, 'C. [.':. . .:.! ;; ~~ h~.' J. _f !: . ; '. ,( 1':'::' ~ ;.<,~." r- ; _ II.J ~: "'J): --II;; ....~" "J,,'" / , ~;.;( If fi -I fl- i :. t, h:t . ",' J '.1 ',','::,il':: SHERIFF'S DEPARTMENT 157 LINCOLN WAY EAST, CHAMBERSBURG, PENNSYLVANIA 17201 (717) 261.3877 PlAINTlFr/Sf PNC BANK, N.A. IIN.~ J IIUG liONS Fon SErlVlCF OF pnoc~~-~ - ~1t!;;St' type ~;P~i~ lerllllly 00 nol dulach any COrllt~~j -. -...------ ;, C( HIll r NIJMIlI H YO-I.oI5 " I YI'I (1I Will r ()If (;( 1M!'l ^IN r SHERIFF SERVICE PROCESS RECEIPT, and AFFIDAVIT OF RETURN Cumberland County Sheriff, R. Thomas K!ine~purthouse SQuar~ Carlisle~ PA 17013 SPACE BELOW FOR USE OF SHERIFF ONLY DO NOT WRITE BELOW THIS LINE 13.1 acknowledge rcccipl 01 the wrll \ SIGNJ~~E of ^((!borJ;t~ FC$D D"p~r CII'rk and Tille 1-1 Dale Bf!CClvl.'d 1 S E)(rllfilllon/Hcilrinn dale or complainl as indicated above I 1_l!~_J_u.:..c__~~_ ::.J_,,_~_ _m.______'.__m__ _9-25-9.Q~_____:__-.,_ _to-z..~6_ 16.1 hereby CERTIFY ilnd RETURN thaI I [) h;IW p{'r~)r,;illy ~;l:rVI~d r-J howl' If'(jdl t'vf(jcnc(~ of :wrVICe:l5 ~hown III "11()/Tl;HkS '. 0 hilve m:eculed as shown in "Rcmarks",lhe wrll or complilllll dcscrdwd 011111(: 1IIIIIVI(III;lI_ COlllp,lllY, corporallon. ele. :lIthe addwss shown ;Jbove or on the IJ1dlVidual. compa:ly, corporalion. clc., <lllhe address lfIser led tll'low tlY llanrJllIlq ;1 TRUE and ATTESTED COPY ItlCn~0f ---_._-_._--------_.,._~-----~-_...- --.----.----- 17.0 I hereby certify ilnd relurn a NOT FOUND Il"COlll~," I OIl!llill;iI)ll~ to IOClt!' 1Il(~ !flchvldual. comp;lny, corpor:lltDfI, ete . n;ulled above. (See remarks below) 1 B. Name and title 01 individual servI~cl~.;~I-~t;;:'~',~ ~;'i;~::;;~; . -. ........ ,,- ----.-- ---. - --- .-------- . .---.--- .-.----- '--J- 1 ~l-~::J-;'-;:;~:~'-;-~~'-;;~';'~:'-"'\""' II",,, G T ( f h) II",,,J,,,'I "' It..' <I"r"",J,",lI,> OJ',lJdllll.Ir" 01 eorqe . Lowe _ O}:~-'~9-.L._____________.. ______._____~_,..____ __~~rJ _____ 20. Address of where served (comnlf!le OrlIY.1f (ld.'.':r'~lll lh.."'.l ~,h()'.'1 ". ".'.JOVl' lIStrC.'el or. HFO, APar'.rnenl No. ;, I l1.lt" o! SI..'''I;I' 22 Ttllle City, Bora, Twp. Slalu <Jod Zip Codl!) Same as 1/6 9-27-96 .1,d:02 m 23, ATlEMPTS ~;Ie M;;~ Dc~~nl Late_e~"CSJD.:lnl r~a~TM~~J~ep'-~JDat~t:~'CSD~P: 'nllDateJ~i'cs Dep,ln!. 24, Advance Costs 25 ~"8~'~~C<~<:"--J~N~:<~~<<' J:7~~~I~or r:"'iI",,-__L' 2f:I:<~~os,~Yg C;;T,O;~ oRr:~U~~d ^M I'M [SI EDSI - --- :1 DEfENDANT/SI Leonard E. Guise and Holly A. Guise, E'I' AI. -.---,..-- NO'l'ICE/COHPLAINT { !, N^M{ 01 INlllVllHJAI r;( H.II'NI" (,I ilH'i 111,\111 II) I II 1'1 '! 11'/1'1 C iI! (1I '.c ,!lII'[1l IN Cll "11111'1 II I,' II) III 11 VI[ [1 Al lA111l n (III ~)I II [J __QC.orgc J:',__Lot.'e..,and Katherine L. LOWE Ii AOOIlLSS (SlIp!'1 01 1111) AP,HlITIJ'llI N(I (.Ily Il'Jl" r,'JfI ~;1.ltf' ilnd Ill' eoell') AT ~Q3,S.outhS.econdStreet, Chambersburg. I'A 17201 7. INDICATE UNUSUAL SErWICE 1'1 COMMUN OF I'A II [11 fI() 11/1 ! ! () r I!I Il ._--'"'~_.. Now, _____ HL_______. J. SHEnlFF OF Fn^NKLlN COUNTY. P^, do hf!rl!lly cJepulllt) Itw Stl('rlff of County Ie; l'xf~cult'lIwi WrIt find rnakl~ mlurn ttwreof acco:dmq to law. This deputation tmmn mild!! ;l! till! ((!qw)sl ;1f1l1 rl~k of 11lf' pLIlIlllff --..-------. '.- "--- 8. SPECIAL INSTRUCTIONS OR OTHER INFORMATION THAT Will ASSIST IN EXPEDITING SERVICE: SERVE . 'A'Lill!.!.'" i10_"~E~::~;:;,;.Ij==~ -..:_:--.:,. -.~====--== NOTE ONLY APPLICABLE ON WRIT OF EXECUTION: N.S. WAIVER OF WATCHMAN-Any dt~Plll" ~;Ill'rllf It!vYI!Hj upon or illtaehlf1(l ;HlY properly under within wril may IClIve S<lme without a w;ltcllrn:Ul, III C(j~;lod'l ", ,:,IHJIlI<>'JJ'r I:; l{hHH! Ol pOS'it'~;~Wlll. all!!r flollfYII1CJ pl'rSOII nllc!Vi or :llIiH;twwnt, wilhoul liability on the oarl 01 such denu!y' or Ihg~:;t1"I~!!}{!...'I_~'YJlld_lllJIUtl' '!I '111_ f(H., 1_lly _II '~"'. dt'~;'rIJcttO~11!r.r!:!nf~'y:l.191 ;!_~lY_~OI'~:!~I!!!.?E~~! IYJ}l~-'un~ sI1l!rlr~.:i.s;lle tht!reof~ 9. SIGNATURE of ATTORNEY or olher ORIGINATOR ___ p._ . 10 _'_El! PIlON( NUMBf n._~I.I.,I,__D_:~. Cumberland CountL~heri,~L_n___n_ _._ ...1. n____ 12. SEND NOTICE OF SERVICE COPY TO NAME AND ADDRESS BELOW: (This area musl be completed il notice is to be mailed) 30, REMARKS: --.----~-------~_._._--~-_.- 34. day, 01 37, Sep tern!>",-,=---- ..__~.uL_.9,L nnn.SOANSViEii:---:: -'/'- , ..'---?LU.. Lt4.:. iu'Y..,___ <""'I',,,.,,,,,.,,t 0,." ',''''''!! .Qa_ne__.M!___An_~~.QIlY. ''''jn,oIlJ,.."t:>I'''lIlJ :l.lllolll' 31. AFFIRMED and suh!Jcritmd to twlorn IIU' Ihl!; _____~9_~__b_.. ,~uu___.____,_9.::10..:'J~ .\1; 0.11.. < 1~'~!"''''I.,,~iil.~1~'~:-!-';;:;;--' .~- --- SHERIFF OF FRANKLIN COUNTY MY COMMISSION EXPIUES -. -.--.--..--------.--:-~._:--:-.--. _.~ 38, I ACKNdWLEDG'E-nEttrr'fpnl1tsfjtRiFF'S"'liE.i15WSION~nJRE" OF AUTIIOnrZEO ISSUING AUT"PI~IJY AND ,IllE ,,-,.,' , . . '-"~_'_L. -.. -- - -' -'~::"_:~:S..r~ :: .::' r,..; !~r:v ',:. i~~tl::JG J\' I ~------- .1'1 ll.!I,.It,.u.,V\..t fCSO.111993 :-'-:'(J!;;l'( SHERIFF'S DEPARTMENT 157 LINCOLN WAY EAST, CHAMBERSBURG, PENNSYLVANIA 17201 (717) 261-3877 . ....SHERtFF SERVICE IIN.SrnUCTlo~s FOil SE~~I~~~F-pnO~ESS Ple-;;~e Iype or prinl PROCESS RECEIPT, and AFFIDAVIT OF RETURN le",illy Do nol delach any cop,es -_._-~_. __ --"0- ___ .___ '.....___...______._.___ 1 PL^INTIIT/~;I 'J COIJHI NUMB[fl PNC BANK, N.A. 30EFTNnANT/SI Leonard E. Guise and !lolly A. Gui8e, ET AL 96-4615. ,1 r YPI Of WHir 011 (;OMf'LAINf NOTICE/COMPLAINT. SERVE {~' NAMI. Of INtllVl[llJAI (f l\lI'Arj, , ,1<1', H.-,I' ,r) ! I, (" ',f ff/III . Iii Iii ',(,HII'II! IN ()I l'lll 11'1 HI,' li)jlf I! 'Ill fl AI !AUI[ (J()H ~;()L[) . Ge"-rge..~,-J,owe and Kathorine L. LOWE AT _~i__~~~~_F_;:.~(~~t~_~(~~~'~df\;~I~\~:'~I:-~" ~~I~~:'~~-~~r:'JII' '~~(l ~I;'~~'~lf') 7 INOICATF UNUSUAl. SErNlCE LJ COMMtnJ Of f'rl ~: rH PI! 11/1 [1011 HIl Now,__._ -____..._____" 19 .1. SHEf1IFF OF FH^NKut~ COUNTY, P^, do tlf~fI!by dep1I11/p ttl/~ Shprlff of --,.- (:(I\Jrl!y 10 "~('C(II(' ltli~, Writ ;Ifld rnakl~ fl~IIJrn ItH~ff:nf ;lccordll1q to law This dcplJlafiofl hmnrl mndu af /11;, !!'(jlil",t .11111'1',).. (11/1)(, lil,UIl/I," 8. SPEClAlINSTRuCnoN"S-OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDITING SERVICE: ,"I."'" ,.,,,ft..,.,_,. '."Y,',! NOTE ONLY APPUCABLE ON WRIT OF EXECUTION N.D WAIVER or WATCHMAN-AIl'f 1l('fllll'l ~;tl('ldf k'VYI'j'IIIP()JI PI dl!;uJIII1\J .Illy propf)lly lHlCh:r within wut may 11~;l'Je SCHill' wlftmlJl:t 'lloIklllllol" d' ,t-,', ,j .,1'''''' .'1 I, I. "fld 'I' Jj!)~"~'''>';Il''j, d'll'r rlUllr'fI:HI P"I~,qll of 1','Vi Of dl1.Ir.!H1Il~r1I. WllhutJf riabjhl.Y..Q!l_~~I.':l(l;HLQ.~,.~i~J(:!-.!_~!I_~ptJly 5If_l!h~ ~,I~_'ldl T', "J : i ,'T,f~ I. " ' I!,' Ply I" ~. 1'1" lonnm II m(j~ II oJ my 011111 l'fUpl Ily lJ"f,It(. ',h"fllf_'> '''~l' :I~~o-' __ 9, SI:::::~:::TO~:~~~: O~'~~::';~NATOR._ ~'" If II "liON{ NIIMllf II I" [)AIf 12, SEND NOnCE OF SERVICE COPY TO NAME AND ADDI~ESS DElOW: (ThIS <lrea musl be completed II notice IS 10 bf~ mailed) Cumberland CountY_.E.h~rJfK,. R. Tl10mna Kl1n~,_J._Co.u.r~hoU_"'LSquare._Carlisle. .FA_l7.QU. _______ SPACE BELOW FOR USE OF SHERIFF ONLY - DO NOT WRITE BELOW THtS LINE 13.1 acknowledu(! receipt ollllt~ WIll ,- S-IGN2!-U)T ~~ 1/-:5'" J~SD [), '~;;-[l.;;>.;,;;,[",;, "'I"I-X9i_)~';115(':_1~9-(';6';.'~:J;,;j------..[,.~;-.[1-~-OP~_1;;2',o4'_'I:9lk6'il_'."_'_J (:a~~ or complaint H$ indicatetl abovl~ , f, u ~ . 4 '. .._ '__ 16 I ht'rcby CER1lFY'-:~-RiruFiN f/1III' I! ,Il 1~'I, ' .' j t 'J' I' . II I'Vorl< rII t' III ',"fVI' I' ;1', ~,IH)W'IIII Il"I1l.lfk', f] 1t,IV" '~~I.'clllt~(j 01'; ~;h()wn in .'Bl!fT1arks'., !Iu~ Will Of compl:lIll! r1t.~,r_f,tl' 'd ;-:') !II" p" I,.., I. ",I (-,":11', .11 i "l.l 1J()I.dHJt1_ ..Ie, ill Ill" .Iddr, "'~, ',ho'lil! .0111('" .., un Ill., II1rlivl(jlJ;tI, r.Orrtp;lIly. corpor<llion, (lIe, :lllhn addrc~;~i lIhl"lo'd th'lr I'.... 1''11'.,,: jl"l, j l TRUE and ATTESTED COPY 11)(:11'01 17. r~~~~ef(!b~_~~~~I!X!~~~!_~(:!llrn a NOT FOUND I)", .1' J'," I ,", 18. Name muJ I.tre ol.rl(jlvldllill SI!rvl.'d (It 'H)l :,1,,-,,','1 .Il,,),...., ,~"" T " I~" Ih,' IIldl~ld,Jdl. (.'IIlIJldny UHl!lIl,III'J'Il'!L II.Hf\l'd ;dJU'J". (S!'t~ rr'Il1;lfk~; hl'low) I I ~ J ,~..I:,;;~;;: ;",,,' I i;~':1. ::.',';; ..;::;:;.:;'::! : ::.',;, :";:'1.";; ,II",::: - .,l,,,'l,'l . ,~, . .'., , 'il.", '1 (j' IH D. ^p,u (nll'f)1 N'I . . 1 r ),11< "f '''''Iv~ ,. ? ~I r IIlll.' ^" I'M (." IIl!;l __.___George__I,.Jp~e ( fir both) 20, Address 01 where smvt!d (cornpld(~ ollly IId'!!"I. 'I! 11',1'\ City, Ooro, Twp Stahl and lip Co(jl'\ Same as #6 ----.---...[...-. "1-' 23, ATTEMPTS Dale MIles _____.._ 9-].}. ..10. 24 Advance Cosls 18.00 M"ec, i Oep f,,' i Dafc I M,'es ! Den Fn' ! r L ~J'~.~,~~." 1')/ l"I~'.11~~or PO'.1.ltjl' Dale 9-27-96 3:99.pm I M,Fcs I Oen. Inl.1 DaFe I Miles I Dcp.,n,-- ,"" ;~':'~(~""" I:'" c~~."~~on:~';'~~:~ Dep. inl.! Dilte i .. V3. t ?~) S"IVIU' C<l',L, 30. REMAFlKS: 31 AFFIRMED nnd suhsr:rihl!d 10 llf"()fl' ml' ttw, 30th 96 SO ANSWER. :l4.dnyol.___.__ .~_~_~pte~ker 1'1 i"'"''"I !>'i "....O! ,."01""''''',,,,-,,1/ Dane M. Anthony 111),01,' 37__. !l,I,,,!,. 9- 30-96 1'''n....,'',I..-,......'...'" SHERIFF or FIlANKlIN COUNTY MY COMMISSION E XPlfU:~ 5tf.1ACKNOWLE-txfCIlECU(IJ 6;- TI-tt-'SHERlrFS RETURN SIGNATURE I OF AtJTlIOntlE()l~~StJING ^UlltUIII!Y AND IIIU , ......._._._.J '1"'''1" "'"",1 rCSD-"1!}!}J IN THE COURT OF COMMON PLEAS OF CUMBERLAND CIVIL DIVISION COUNTY. PENNSYLVANIA PNC BANK, N.A., NO. 4615 AUGUsr TERM 1992, Flaintiff i\ PNC NATIONAL -vs- LEONARD E. GUISE AND HOLLY A. GUISE Defendant(s). PRAECIPE TO REINSTATE COMPLAINT TO: PROTHONOTARY Flease reinstate the Complaint in Civil Action in the above- referenced case, Murray A PA ID# 3 Attorney BANK 1520 2 LOGAN SQUARE Philadelphia, PA 19103 (215) 963-3400 ~ " ~ CERTIFICATION OF SERVICE I, Murray A. Felder, Esquire, do hereby certify that I served a true and correct copy of the attached Reply to New Matter on Michelle R Calvert, ESQ., attorney for Defendant, Leonard E Guise, on October II, 1996 by first class mail. Murray A. F Attorney fo PNC Bank, N DATE: October 11, 1996 ~ \D .>- N ,.. -:') C' - ')~ ~t~ - :)::E 1. ~L ~ :-:1;;::i ~C: r..';:. -:~.~ UIL N .- . ".~ =!L:: -.';;>' l- I,;(Q U-j:S W ',," ~ a... 0 U. <0 ~) 0 en <.) TIMOTHY W, MISNER AlTORNEY AT I.AW . J .19 S(llllIIIlRC)AO SlIU:l':r W^YNESIIORO,I'A I72hA.H>IO PNC BANK, N.A" In the Court of Common Picas of Cumbcrland County Plaintiff LEONARD E, GUISE and HOLLY A, GUISE, 96 - 4615 Civil Dcfendants Civil Action - Law vs, GEORGE T, LOWE and KATHERINE L. LOWE Additional Defendants ANSWER CONTAINING NEW MATTER Now come the Additional Defendants, George T, Lowc and Katherine L. Lowe, by their attorney, Timothy W, Misner, and answcr the Complaintliled in the abovc captioned matter as follows: I. Admitted, 2. Admitted, 3, Admitted, 4, Admitted, 5, Admitted, 6, Admitted, 7, Admitted, 8, Admitted, 9, Admitted, 10, It is admitted that subsequent to the settlement, Additional Defendants were advised that the letter marked Exhibit B was sent in error, I\. It is admitted that the conveyance from the Additional Defendants proceeded on the basis of the letter marked Exhibit B, 12, Admitted, 13, Denied as stated, It is only admitted that the mortgage would have had to have been addressed in some manner or the sale eance1ed, 14, Admitted, 15, Admitted, 16, Denied, To the contrary, if Additional Defendants had been required to payoff the mortgage loan of the Defendants, the Defendants would have been unjustly enriched because Additional Defendants never assumed the mortgage or became personally liable for the payment thcrcof: It is further denicd that thc amount ofthc c1aimcd unjust cnrichmcnt is COITcct bccausc thcrc would have bccn lcss intcrcst and no attorncy's lecs duc at thc timc of closing, 17, Admitted in part and dcnicd in part, It is admittcd that thc propcrty is no longer subjcctto the licn of Plaintiffs mortgagc, It is dcnicd, howcvcr. that Additional Defendants wcre unjustly cnrichcd because thc Additional Defendants ncvcr assumcd thc mortgage nor bccame liablc for thc debt sceured thereby, 18, Admitted in part and dcnicd in part, It is admittcd that Additional Defendants becamc awarc ofthc existence of the mortgagc subscquent to scttlcment. All other averments are denied, To thc contrary, at the time of settlcment, the Additional Defendants, bascd upon the letter of PNC Bank dated March 23, 1995, a copy of which is attachcd hcreto and made part hereof and marked Exhibit B, reasonably believed that no mortgage existed in favor of thc Plaintiff. Since thc mortgage was subsequently released from the rcal estate sold by the Additional Dcfcndants they did not receive any excess funds, There was and is no legal duty on the Additional Defendants to do anything in respect to the proceeds received at settlement because the Additional Dcfendants were not and are not liable for Defendants' debt. 19, Dcnied, To the contrary. thc Additional Defendants did not realize any unjust gain becausc they have no personal liability for thc Defendants' debL 20, Denied, To thc contrary, there was not and is not any contract between Defendants and Additional Defcndants nor was therc any unjust enrichment for thc reasons set forth herein and in New Matter, NEW MAlTER 21. That prior to closing, Dcfendant Leonard E, Guisc cxecutcd a dccd for the real cstate cncumbcrcd by Plaintiffs mortgagc which dced is rccordcd in Cumbcrland County Dced Book 120, Pagc 577, 22, That Additional Defcndants ~elicvc and thcreforc aver that Dcfendant Leonard E, Guisc was paid $1,000,00 in consideration for exccuting thc deed rcfcrred to in paragraph 21, 23, That Additional Defendants believc and thcreforc avcr that Dcfcndant Lconard E, Guisc was aware of the cxistenee of Plaintiffs mortgagc at the time the dccd rcfcrred to in paragraph 21 was executcd but did not inform either thc Additional Defendants or the scttlcmcnt agcnt of this fact. 24, That Defcndant Leonard E, Guise did not pay ovcr to Plaintiff thc consideration hc rcceived lor thc deed referred to in paragraph 21, 25, That atthc time of scttlcment on or about March 31, 1995, Additional Defendants and the scttlcmcnt agcnt rcasonably believed that there was no mortgagc lien on thc real estate based upon thc lettcr markcd Exhibit B, 26, That based upon Exhibit B, thc scttlcment agcnttransferrcd the proceeds of sale to the Additional Defendants without paying Plaintilrs mortgagc, 27, That only thc rcal estatc purchascd by thc Additional Defcndants at the Tax Salc was subjcct to the mortgagc lien; the Additional Dcfcndants were nevcr personally liablc for thc dcbL 28, That PlaintitT subscqucntly relcascd thc mortgagc Iicn from th.: real estatc convcycd by thc Additional Defendants to Edgar Dorsey, Jr. and Sharon L. Dorsey, 29, That sincc the rcal estate is frcc of the mortgagc lien and the debt sccurcd by the mortgage lien was never assumed by the Additional Defendants, the Additional Defcndants are not obligated or liable for Defendants' debt and werc not unjustly cnrichcd, 30, That if Additional Defcndants had been requircd to pay Plaintiffs mortgage, Additional Dcfendants would havc had a cause of action against the Defendants for the amount so paid, 31. That Defendants will be unjustly enriched if Additional Defendants are forced to pay Defendants' debt to Plaintiff. WHEREFORE, Additional Defendants George T, Lowe and Katherine L Lowe demand judgment against thc Defendants together Wi.th..t,.,h.e eosts O.f ljli~ action, .--, 1) <C l' /~ '0,___.. ..., . ov>;J 1\ ~ Ti~othy W, Mis er Attorney for Additional Defendants 39 S, Broad Street VVaynesboro, Pa, 17268-16fO 717-765-8080 We vcrify thatthc statcmcnts made in this Answer Containing New Matter are true and corrcct upon thc undersigneds' pcrsonal knowledge or upon information and belief. We understand that false statements herein are made subject to the penalties of 18 Pa, C.S, Section 4904 relating to unsworn falsification to authorities, Date: /0(1'7 /;,(, /ldl'1/1? , -! ( ,~ -:--.. -/ . k:/j!~./{-i'lG /' - '-:..---,.(....t~.vv George T, [owc ~-f'/~ /. . ,_ \.,r;,. . /( ,.'C-<.-' --(..~- ," I . ~ . Katherinc L. Lowe '; /J . ~ .'..<I.e '-- I I' PNC Bank. N.A. 4~Wl C.ltlislc Pike (:.lInp Hill. PA 17011 (717) 730-2371 utioawi40 l-aoo.a46-126S cx1. 2371 March 23, 1995 Holly Keller Professional Abstract 3920 Market Street Camp Hill, PA 17011 In Re: Mortgagorls: Lenard E. Guise and Holly A. Guise Mortgagee/s: CCNB Bank, N,A, Date of Mortgage: December 23, 1989 Mortgage Recorded on: January 8, 1990 Mortgage Debt: $17/389.36 Mortgage Book 963, Page 790 Dear Ms, Keller: PNCIBANlK After a review of the above-referenced account, I have found that it is paid-in-fuIL I am now preparing a Satisfaction Piece and will be forwarding it to the Cumberland County Courthouse for filing. Since~ ~~ Tina Poley ~ Consumer Banking PNC BANK. N,A" Plaintiff : In thc Court of Common Picas of : Cumbcrland County LEONARD E, GUISE and HOLL Y A, GUISE, : 96 - 4615 Civil Det::ndants : Civil Action - Law vs, GEORGE T, LOWE and KATHERINE L. LOWE Adcitional Dcfendants Holly A, (Guise) Schick Defendant P,O. Box 164 New Bloomfield, PA 17068 , ~~, Attorney for Plaintiffs 230 S, Potomac Strect, Suite C Waynesboro, P A 17268-2622 (717) 765-8080 - CERTIFICATE OF SERVICE I, TIMOTHY W, MISNER, Esquire, hereby ecrtify that on the 17th day of October, 1996, I served a true and correct copy of the Answer Containing New Matter upon the following by United States mail, first cl:!ss, postage prepaid: Murray A, Felder, Esquire Attorney for Plaintiff Two Logan Square Suite 1520 Philadelphia, P A 19103 Michelle R Calvert, Esquire Attorney for Defendant, Leonard E, Guise 200 North Hanover Street Carlisle, P A 17013 - . >- l(' 0: ,-- r:: .. .~::s c: - UJ-:: U'-' ~""; -: ~ IP- "- -- ~( ~ r-J (' .;1,- ~-'. ";/) u.. L.~.. N 'J~ 0:5: I- _L:- C :-.U -' "n l- e:.;; l'_ ..0 '::; 0 "... u t... -It_J... ~-,,- C-,' C-----. "'1,.. i~::': {_;;o.J~ ~ _~dlli_d PNC Bank N.A. .., , -. /lolly A. Guis,c! )1cw, October 16. 1996 :'=--=-, c':-,,,:- ___ cf ::.: ... . ::::.: ==?~==--=. . , , .....-- -....- ..~- ~i - \;:-~ I .___ ,. ~ :, JI, ...... f '~-,,'-.:~~~----: I "'L:-'."/ _l ....._..._._...._~J_....._ .1',1 ,.., I . r-::1i'""SV '/--....... ..4 . I -. ~j.... --: .,0'. 96-4615 Civil .. .-- :9_ ~ s:~~: 0: C~!:3::::?..:._~~a CO:"~':""':., ?~ c: Perry ::::.: ,......:.. '1...., C.;:=:r :~ ....---.- - - .---- :-..=:.:::. .::r. -.' .- ...-.--- ---. :-i'cw: Oct. 21 r.ornpl~inr ~ Nori~p. ......;..:..:- .- '::.?== Hollv A. Guise . Perry County Sheriff's Dept., Bloomfield BO~O, New Bloomfield, PA ~' ,/',....-? v/' ..' (? oJ' r~- d.K-f"~--~ ~:..-..= .... '===e...-~:: ~.:=:;. ~ _, -0 ,..... . ..Co '"-"!C2.7!.'t or :::~~ f .:.c.e "" 96 2:55 c'':':::::; P 'tL l:=-"':-::' O=-t ==~:_- :.:: Holly A. Guise Shick "- true and attested L_~: c: - ...----, Complaint & Not; ~P.: ,.. :=.C --..... ==""'= ::> her --- ------ ..------ ---. --- .. .... .. . .:w-=::. =: :.:===-..=::: ::.:::=:-: =: ~ ~ ~: ;;: (1.1"',, h NOjAr .t 5::Al KAREN ^. CJ.i\(;lA", I'l(\IClr-: Public il2stmHclcJ t~:Jrc, PNry County, PA My C""CT;"r,\i~:lc.n El"l:;rr;. June 19, 2000 ~c :..:;.:-....="'_ d/~; c::r V c Deputy :1,' /. ?:r. Ct/ Perry C'::~=7. .- _c: c.c:'~.:. .:: :::.:........~...--:c::: 3 !~~ :.C2"_,,::;:: f ..:--:=.' ..:.. .y-:-: ------. J ,. .'.i';", ;.; '.....-,<. ~ >-1 Ul ,',: !il III . III .. ... III +J riI ~ .. +J a .. t; 0.'. .'..... itla nI 0 :3: 0: ('0&." . orl, .anl '0 ~ Til U ~.....M .. " +J nI.'O ''0 oa Z 0 j'"o e;-.' '. a 'a a~Ql , .." 0 '",< Ul .. ..- z.a.... .," 'Til Ql nI .... 00 Ul ~ li .~ Ul ...Id Ul.... OQl rilE-< Ul ;c < w z '0-1 HQl ~ >-10 '" ~ c .. :Ii ,:..:t:l. . p 0 . >< z X Ii .. ctl ~ s x . IIlU III 0 .0-1 0'" 0::' % en .. "Z > > '" '" nI Ul p, &l o ....J.. '" .0: . a Til III i: 0::0: 0 ii: z " 0 Til 0 . Til 0 E-<I>:E-< d~ ,.,.10<: Til E-< Z'M :ii E-< lL .. . " :ii OUl H +J r.l'~ 8 ., ~E: Till>: 'M Cl ii: N Ill' U Til'O Z Ul Cl zu I>: ='0 riI H U 0 OE-< ..: r<. p Z ril . rJ:a ~ u 'p, >-1": . ; ,,. ~ . .'.' . , . .~<1'; .' ~~ " , i PNC BANK,' N.A., Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. 96-4615 CIVIL LEONARD E. GUISE and HOLLY A. GUISE, Defendants CIVIL ACTION - LAW vs. GEORGE T. LOWE and KATHERINE L. LOWE, Additional Defendants DEFENDANT'S. LEONARD E. GUISE. REFLY TO NEW MATTER 21. It is admitted that Defendant, Leonard E. Guise, executed a Quit Claim Deed for the real estate encumbered by Plaintiff-'s mortgage. This Quit Claim Deed was executed only after the transfer of the property to Additional Defendants by tax claim deed recorded in Cumberland County Deed Book 118, Page 944. 22. Admitted. 23. Admitted in part and denied in part. It is admitted that Defendant Leonard E. Guise was aware of the existence of Plaintiff's mortgage at the time the Quit Claim Deed was executed. Defendant reasonably believed that Additional Defendants and the settlement agent were aware of the existence of the mortgage based upon their contacts with PNC Bank and the title search which had been done on the property. 24. Admitted. 25. Denied. Defendant is without knowledge and information sufficient to form a belief as to the truth of the averment that Additional Defendants and the settlement agent reasonably believed that there was no mortgage lien on the real estate, proof thereof being in the exclusive means, control, and possession of Additional Defendants. Therefore, the same is hereby denied, and strict proof thereof is demanded at trial, if relevant. 26. Admitted. 27. Admitted in part and denied in part. It is admitted that the real estate purchased by the Additional Defendants at the tax sale was subject to the mortgage lien. It is denied that Additional Defendants were never personally liable for the debt, as personal liability arose as a result of their being unjustly enriched by the receipt of settlement proceeds without deduction for payment of the mortgage lien. 28. Admitted. 29. Denied. The allegations set forth in paragraph 29 state a conclusion of law to which no response is required, and the same is therefore denied. 30. Denied. The allegations set forth in paragraph 30 state a conclusion of law to which no response is required, and the same is therefore denied. ;-1 , "'I " ::,." ", ' .,;' ..r-j '. :~ .: :' 1. . -,~-' ,-., , ..'.. ~. : :. r; .., 7<!,- <, ? ~';1'~O , '--_-/c.._c, /n." (' '. '-<.-, , tLf.';J'1'., , .' ,~. :. . ~g~'d""~ ~ r .. ..f.,A -...... 1._ 11 ? / ) '/ ;:....I.."lc____o,/,- /' PNC BANK, N.A., Plaintiff LEONARD E. GUISE and HOLLY A. GUISE, Defendants VB GEORGE T. LOWE and KATHERINE L. LOWE Additional Defendants vs WILLIAM C. GUISE Additional Defendant '. : IN THE COURT OF COMMON PLEAS Of' : CUMBERLAND COUNTY, PENNSYLVANIA . . : 96-4615 CIVIL . . : CIVIL ACTION - LAW . . . . . . : : . . : : . . NOTICE TO PLEAD TO: George T. Lowe and Katherine L. Lowe c/o Timothy w. Misner 230 S. potamac Street, Suite C Waynesboro, PA 17268 Notice is hereby given that you must respond to the enclosed New Matter within twenty (20) days within receipt of this Notice or a Default Judgment maybe entered against you. '"', V~)( quire Broujos, Gilroy & uston, F.C. 4 North Hanover Street Carlisle, PA 17013 717-249-8148 7 Denied. On the contrary, Additional Defendant William C. Guise was removed and released from said obligation to CCNB Bank. 8 Denied. William C. Guise recognized no personal gain as a result of the mentioned Note obligation. By way of further Answer, William C. Guise is not unjustly enriched in any way by the outcome of the action between Lowes and Defendants Leonard E. Guise and Holly A. Guise. 9 Denied. The answer as set forth in Paragraph 7 and 8 above are incorporated herein by reference thereto. Furthermore, by way of further answer, said allegation is a conclusion of law and a responsive pleading is not required. 10 Admitted. WHEREFORE, Additional Defendant William C. Guise requests your Honorable Court to dismiss the Amended Complaint filed against him in this case. NEW MATTER 11 The allegations of Paragraphs 1 through 10 above are incorporated herein by reference thereto. 12 At the time Additional Defendant William C. Guise executed the Note to CCNB, which said Note is attached to the Amended Complaint filed against William C. Guise in this matter, the joinder of William C. Guise in said Note was only for the purpose of the adding of additional security on the Note being the 1985 Ford Van. 13 The agreement William C. Guise had with CCNB was that he would be removed from a Guarantor or additional security on said Note at such time as certain payments were made and at such time as the 1985 Ford Van was removed from the Note. 14 Payments were made on said Note to such an extent that the 1985 Ford Van was released as security on said Note on January 29, 1992 at which time all parties further understood that the guarantee and additional security of William C. Guise in connection with said Note was also removed and that William C. Guise was discharged from any further obligation as Guarantor or co-signer on said Note. 15 Additional Defendant William C. Guise received no financial benefit from the Note in question and never received any of the monies nor any consideration in any way relating to said Note obligation. b=. .:r ,. \.. .~ /~ \5 -"1 1.~ UJz "',::~ 06 ..- ).~ cr:.,. -~ :;1. U-r:-::- u- .',~ ~q . .';,;.- M :,~ (f) 1.1-18': I ~l:?': it~J.,,~ "" .::7- 'I 'J f':' L'- :~u.. .a. 1.1- ,..... ~) 0 01 U TIMOTHY W. MISNER AlTORNEY AT LAW .19 Sl)lJll~BRO^D ~-rkI!r.T W^YNr:..~BORO, P^ 17lt>ll.lfllO .. PNC BANK. N.A., Plaintiff In the Court of Common Pleas of Cumberland County LEONARD E. GUISE and HOLLY A. GUISE. 96.4615 Civil Defendants Civil Action. Law vs. GEORGE T. LOWE and KATHERINE L. LOWE Additional Defendants vs. WILLIAM C. GUISE Additional Defendant REPL Y TO NEW MATTER Now come the Additional Defendants George T, Lowe and Katherine L. Lowe (hereafter '"Lowes") who reply to the New Matter of Additional Defendant William C. Guise (hereafter '"Guise") as follws: II. The averments of paragraphs 1-10 of the Amended Complaint are hereby incorporated by reference. 12. After reasonable investigation Lowes are without knowledge or information sufficient to form a belief as to the truth of the averments contained therein and said averments are therefore denied. Proof thereof is demanded at trial. By way of further reply. the Note contains no limiting language. 13. Atier reasonable investigation Lowes arc without knowledge or information suflicicnt to form a belicf as to the truth of the avcrmcnts contained therein and said avcrments arc thercfore denied. Proof thereof is dcmanded at trial. By way of further reply. the Notc contains no limiting language. 14. Aftcr reasonable investigation Lowes are without knowledge or information sufficient to form a belief as to tbe truth of the averments contained therein and said averments are thereforc denied. Proof thereof is demanded at trial. By way of further reply. the Notc does not contain any notation that William C. Guise was discharged. 15. After reasonable investigation Lowes are without knowledge or information sufficient to form a belief as to the truth of the averments contained therein and said averments are therefore denied. Proof thereof is demanded at trial. WHEREFORE. Lowes demand judgment against Guise for $13,912.28 plus interest and thc costs of this action. isn . Attorney for Additional Defendant George T. Lowe and Katherine L. Lowe We verify that the averments set forth in this Reply to New Matter are true and correct upon the undersigneds' personal knowledge or upon information and belief. We understand that falsc statcments hercin are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Date: Lfjl/f? Date: rIj rl ..-'9..,.., c:k.."""- ';>-:;- ~~ George T. !!owe ~~~L~.' L'~~e <~{ .{ rU( 'C PNC BANK. N.A.. In the Court of Common PIcas of Cumberland County Plaintiff LEONARD E. GUISE and HOLL Y A. GUISE, 96.4615 Civil Defendants Civil Action. Law vs. GEORGE T. LOWE and KATlIERINE I.. LOWE Additional Defcndants vs. WILLIAM C. GUISE Additional Defcndant CERTIFICATE OF SERVICE 1. TIMOTHY W. MISNER. hereby certify that on thc 2nd day of April. 1997, I servcd a true and correct copy of the Reply to New Mattcr upon the following by United States mail. first class. postage prcpaid: Murray A. Felder. Esquire Attorney for Plaintiff Two Logan Square Suite 1520 Philadclphia. PA 19103 Michelle R. Calvert. Esquirc Attorney for Defendant. Leonard E. Guise 200 North Hanover Street Carlisle. P A 17013 Holly A. (Guise) Schick Defendant P.O. Box 164 Ncw Bloomfield, P A 17068