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HomeMy WebLinkAbout97-03369 q ~ .() ... ;.. ~ ~ a - """ \ \ \ " ~ / I - . , .:) , ~ i ....) I ~; I ~ ~ ~ ,..J --l I ....' ~ '\ '- C' ) i ~'~ ~ (.~ l'. i"~ ;:; v--:, l\1~ . \ . ~ : ... v-" I)'"' " ., .... ~ -..:J- '" .' ......, l,l. , !:~ ; c.; " ~ -.. ~ .. ~ , U. ,---' . ~. no " "- ;.J , (j" v ("--(, - '''(J . ('\~ C:::.J - ~, '" ~ oJ ~ tIl III ~ W ....l ~ .J 0 '" 0..: ... '" '" ~ ..... c n. ~ N Z ..... " .... n. > !!! '" O~ '" -...t 'C Z <{ .J ~ ~Z ... C '" " .. ....l C OJ <( 0 0 r 0::> <( -...t ..... ....l Z III UO Z '" OJ '" <( ~ " U 0 .-< Cl :0:: '" " " ~ 0 '" '" 0 W ~ III OCl<Z .... '" u .J III III ....~ ~ Z <( ::> n. 0 ~ Z Cl III a:....l 0 a: n. .. ~ ::;lO:::>H ~ ::> <{ ~ at1J~f-4 '" U!:Cl)-4U '" x:"'< Cl I . "'::> Z '" III ....l ::CU Z H > > .... "'''' 0 I < ~"'> a: > ZO '" '" < '" u , PROVIDIAN NATIONAL BANK NO. '17- j 1to? IN CIVIL ACTION ~~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA -vs- PlaintiJJ(s} AVA L. PURDUE Defendant(s} COMPLAINT CODE- FILED ON BEHALF OF PLAINTIFF COUNSEL OF RECORD FOR Tms PARTY: James R. Apple, Esq. PA J.D. No. 37942 vCharles F. Bennett, Esq. PA J.D. No. 30541 James S. Alter, Esq. PA J.D. No. 35164 Joel E. Hausman, Esq. PA J.D. No. 42096 Marylouise Wagner, Esq. PA J.D. No. 61095 APPLE AND APPLE, P.C. Firm No. 719 4650 Baum Boulevard Pittsburgh, PA 15213-1237 Telephone (412) 682-1466 Fax (412) 682-3138 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA PROVIDIAN NATIONAL BANK NO. q1. 331. 9 Cwu Iu.-. IN CIVIL ACTION -VB- PlaintiJJ(s} AVA L. PURDUE Defendant(s} 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 upon you, 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 80, 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 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 FIND OUT WHERE YOU CAN GET LEGAL HELP. Lawyer Referral Service Court Administrator Cumberland County Courthouse Carlisle PA 11013 Telephone {717) 240-6200 2 . COMPLAINT 1. Plaintiff is a National Banking Association having offices at Pleasanton, CA 94566. 2. Defendant is an individual whose address is 225 Brian Drive, Enola, Cumberland County, PA 17025.1565. 3. At a specific instance the Defendant applied for and was granted credit by the Plaintiff at the terms and conditions agreed upon by the parties, as is more specifically shown by the Application and Agreement, true and correct copies of which are attached hereto, marked Exhibit" A" and made a part bereof. 4. Defendant made purchases and/or received cash advances using said credit. 5. Plaintiff avers that the terms of the Agreement provide for acceleration of the entire balance due and owing upon Defendant's breach of the Agreement. 6. Thereafter, in breach of obligations under the Agreement, the Defendant failed to make payments as they became due. 7. Plaintiff avers that the balance due amounts to $6,500.59. 8. Plaintiff avers that interest has accrued at the rate of 9.50% per annum on the balance due from April 16, 1997. 9. Per the terms of the agreement, the Defendant has agreed to pay to the Plaintiff as liquidated damages, the costs of collection, including all reasonable attorneys' fees incurred in the collection of monies owing. 10. Plaintiff avers that pursuant to Plaintiff's agreement with Plaintiff's attorneys, Plaintiff's attorneys are to receive attorneys' fees of 25% of the debt due. 3 11. Plaintiff believes, and therefore avers, that said attorneys' fees rate is just and reasonable compensation for the services rendered by said attorneys. 12. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and refused to pay the amount due Plaintiff or any part thereof. WHEREFORE, Plaintiff demands Judgment against Defendant in the principal amount of $6,500.59 with appropriate additional interest, attorneys' fees and costs. APPLE AND A~PL~. C. /!tGf 1; By: v Attorneys for Plaintiff(s) 4 ,~ . "\J' 'LJlr\I" Illllll"'f/' P.owidi.n N'lion.1 B.llk VISA' Dr r.~ul'rC.rd' ACCOUNT AGREEMENT fOR AVI l Purdue YOllr Plovldiall rhllCnal B.nk VISA or MulefC.rd aCtounl uhe .Accoulln allows you 10 make IMchalu by 1I11n~ you' VISA. 01 MaurlC.rd cald (Ii'll! ~Ca.d.1 whrrew It IS honored ,"d 10 gel cuh .dv,"cu 110m lIS or any other p.lIlclpallng Im.nCI.IIIlS!ltullCn Convelllence checks may .I~o be prll~ldrd 10 you as an dddlliOnal way to u~e the ACCllunL In Ihls Agreemenl .you. and .yau,. mUll each ptlson lor whom we hue epened , credll cald Accounl. .We." .our: .aurs: and .us" mean ell her Provldl3n National Bank er lIS aS1l~nres. You may nlll be eligible lor a~ Accounlll you or I membrr 01 your household .budy h.ve , credll accounl Wllh fiRST DEPOSIT ~~A TIONAl BANK or PROVIOIAN NA TIONAl BANK. Thl! ACCOUIIIINY be used only lor personal. lalllly. household. Ind ch.tll.ble purpOSfL and 1101 lor ,ny bUllnns 01 conmtrClaI purpose. YOI/ and we 'gree as lonows: Cuh Adv.nclS. Bal.nces you lIanslrr 10 Ihls Accounl horn olhl!lll!nders Will be posled as cash advances_ You may rrqllul cash advance checks by call1llg our 101l1r" numbel hued on yOUI slatemenl You may also gel' cash ,dv.nce horn .ny VISA IlnanClal InShlullon bl you' card It a VI:;'\ cardl o. MUle.Card IlIlancI.IIIlSlllullon III your cald IS . MaswC'ldl. .1 selrued Aulomated Telltl Machlll'l. Ind by check. P'rm.nts. You WID receiVl' InGnthly SI.I,menl showlllg your oUISI.ndlno bal.nce. You Will p'r us in US. donars lchech "IUI b,p.y.ble all U,S. olhce 01 Ii'l, b.nk lh, check is drlwn on).t leut I~e p.ymtnt du. u shown on you. Slltemenl br Ihe paymenl dUI d.le III acco'd.ne. 'hlth pay/Tltnt mSl/uctlons on your monlhly slalement You may nol use your convenience checks 10 make r.ymenlS On you, Accounl o. 10 make p.yments on .nr olhel accounl you h.ve With us or ou. .IMates. Th' payment due Will be: 2% ollhe new bll.nce shown on youl SUlement plUllhllffI'Junl 0 Iny put dUlpaymenl. rlUllhlllnGUnl by which lh, new bal.nce tlceedl your clfdll. line plus leIS 101 U'llln opllO".1 selvlclS.. How,ver.lhe paymenl due WID not be Itlllh.n SI5lunlns yOl/r new balance IS IrUlhan S 5. in which CUI Ih, paymenl.du. Will be the .mounl Ollh. new balancel. We mar 'equlle . hlghe. mlllfT1Jm paymenlll your Accountllpau due or .bov. Ihl credll ~nl. bul w. wtU nOllly you belorl dOing so. II yourp',YlNnl II InGII th.n Ihe paymenl due. It Win be Ireated as a slngll p.ymenl and none 0111 Will bl .pplied to IUluII paymenlS du.. We may ICcept 1.11 or p.ttI.1 plymenlS. or p'ymenlS marked ~p'ld In lull~ or ffialked wllh olher .tllIIChons. wllhoul lOSlno ou' 1I0ht 10 collect all amounU oWlIlg under Ihls Aoreement Finlnet CharglS. EtCtpt as descllbed in Ii'll (jlliet Period 10f Purchases sl!CItnn ollhis Agreemtnt. linance chalges begmlo accrue on a debil when il is included in ellher Ihl dilly purch." bal.nce rPuIChUI B.lance~1 or Ihe d'lly cash advance balance rCash Advance Bal.nce~1 and conhnue ul1llllhat b.lance IS reduced by a paymenl or credl!. Any paymenl .mount we receive that uceeds Ihe 111Ince chl/Oes and leu Ihen due WIlllltSI ,educe Ihl.emalnmg PUlChue Balance. and Ihen. lllhe Purchase Balance IS zero. wlll reduce !rll remaining ClSh Adv.nce B.lance. Tn. P\J/chue .nd C.sh AllianCl B.lancu '" reduced by p.yments II 01 the d.11 received, and br credlll leICePI 10' reveruls ollale. overlulll. and mscert.neous chlrgesl II 01 the dale poued. PulChuu," included in yOllr PorchUI B.l.nce II ollhe dill made. ClSh .dvances are Included In your ClSh Adv.nce Balance as follows: cash advances Irom olher Iinancrat instllullons and through AUlomaled Telllll. 1101 Ihe d.llmade; cash adv.nca checks made p.yablelo you that are lden!llled as cashler's chech and mailed 10 you al your "Qutll. as 01 seven days .lteI tha dale we Pfinl on the cheek; .1I other chech. as olth. dale hana.ed; lunds eleCllonlcaUy IlInsmlled 10 Olher lenders 10 tr.nsfer bal.nces. as ollhe dale ltansmtled. Olher debitslucepllol lale. ovtr.liml. finance. and rAscenaneous charoesl III IIlcludtd In you' Purchase or Cuh Advance Bal.nce IS ollhe date poued., finance charges are added 10 your Purchas. And Cash Advance Bal.nces each day and are then pOSlfd on lhe lasl d.r olth. billing cycle. Theil is no peflod wlthlll.....hlCh CAsh advances may be repaid Wllhoulllleurllllg a hnance ch"ge. To ligulllhe dilly Ilnance chllge 101 pU/cham and Ihe dally Iln.nce chllge lor cash advances. we Slall wilh your pre~IOus day's PU/chase Balance .nd Cash Advance Balance. add an debilS .nd sublr'CI .n credllS 10'lhe cumnl day 10 the applicable Balance lu uplalned III the parag.aph above) and ITlllllply Ihe net .mounl by Ihe applIcable dally peliodlc rale (see lollowing par.gr.phs). The llnance ch'lge 10. purchases IS Ihen added 10 and IIlcluded In Ihal day's Purchase Balance and the Ilnance charge 10' cash advances IS then added 10 and lIlcluded In Ihat d.y's Cash AdvallCl Balance. We Ileal. mdll b.lance lor any day as ZflO. Wedeterrnne the 101.1 Ilnance ch.rges lor Ihe bllhng cycle by addlllg logethel the ImanClch.rge lor pUlChases 10' each daywlthm thebllhng cycle andth. linancechalge 101 cash advances lor each day Wllhln Ihe bIlling cycle. In calculUIIlg Imance charges. an adrustmcnl WIll be made lor any Iransactlon or paymentthu would have .lIecled the linance charge calculallon 1Il a pliO' blllino cycle had II been poued In thai cycle. The applicable dally perlod,c rate tor such a IranJaClion Will be Ihe tale In ellecl 101 the currenl billing cycle lither Ihan the tale in ellm on the dale ollhe uansaCllon. The bal.nce amounts shown on your statement may dlller Irom the Purchase and Cash Advance Balancu used III convullng Imance chargu. because Ihe Purthase and C.sh Advance Balances do nOllllelude ,ny late. ovel hml. o. mscellaneous charges which ale IIIcluded III Ihe b.lances shown on your slatement. The term "Prime Rlle~ as used in Ihls Agreemelll means the highesl prime rate pllblished in 111, Win Srrelt JOlJmi/on the 11IsI business day ollhe Pte~IOUS calendar mollln. The ANNUAL PERCENTAGE RATE rAPR-llor purchases Will vary and may be adluslrd each hilling cycle up 10 0.50% above Pllme Rate. Using IhlS lorroola. Ihe dally peflodic rale lor pUfchlm in the July 1995 Mhng cycle Will be 0.02603%. corresponding 10 an APR lor pUlchases 019.50\. The APR 10' PUICtJases will In no evelll be less than 9,50'. The dally periodiC ute lor cash advances IS O_OGOOO!., couespondlng 10 an APR lor cash advances. IIlcludlng balance Ifanslers. 01 21.90\. Any tIlcrease or dwease in a vaflable APR will lake ellect on Ihe lirsl day 01 your blllU'lg cycle and may resul! in a slighl increase or decrease in the amounl 01 youl mnimJm payment. We may ralS! your APR II youl Accounl IS past due or above the mdlt [IIllI. but we Will nOhly ,ou belare dnlng so. To detemlne the average dilly balance shown on YOl/r slalttnenllor purchases. add each d.y's PUlchase Balance lincludlllg dally linance chargel in Ihe billing cytle and divide by the number 01 d.ysm the bdllllg cyele. To delellTlne Ihe average dally balance shown on your ualfmenllOf cash advances. add each day's Cash Advance Balance hncludlng dally hnance chargelllllhe blUlIlg cycle and diVIde by lhe number 01 days in Ihe billing cycle. You can rooltlp!y each 01 these averale dally balances by the numbef 01 days in Ihe billing cycle and by Ihe applicable dally peflodic f.le 10 obtain sublolals. Ind then add the IwO subtotals logelher to delermne the lolal amount 01 rour lO.nce chalges lot Ihe billing cycle. Grace Period lor Purchases. New purchases posled to your Account in biUlllg cycles when Ihe plevious balance was zelo. 01 when Ihe previous balance was funy paid during Ihe cycle. do not beglll 10 IIlcur II linance chalge until the starl_ 01 the nw blUing cycle. You can aveld any finance charge on such new pultham II you pay Ihe lotal new balance III full by Ihe paymenl due date shown on yOlll slatement. New purchases posled In any other billing cycle IIICl/f a finance charge from Ihe dale Ihe purchase was made and Ihere 11 no peflod in which such purchases may be repaid wlthoutlnCUfflllg a Imance chalge. The!! is no plflod III which cuh advances may be repaid wilhoul inCutrUlg . linance charge. Fees. We will charge your Account up 10 $13 101: each Card you ask us 10 leplace: each relurned paymenl check; each check you WIlle on your Accounllhat we rei urn unpaid; each stop paymenl order or renewal 01 such an ordel; each billing CrChl within whICh your Account IS delinquent nate charge); .nd each bIlling cycle WithIn which you. b.lance elceeds your credll hne. II you request COpies 01 bllllllg sl.tements thai were IlrSI Stnt ICI ynu more Ihan Ihree monlhs earliel. we may (harge a handlmg let of $2.00 lor each copy. Default You will be ill delaull: il you were nOI eligible lor Ihe Accounl al the lime it was opened; II you laillo co~lr wllh any part ollhis Agreement; il any inlormalion you gave us proves to be inco~lele or lalse; upon your death. bankluPlCy. or insol~ency; II you 111110 pay other debts when due; II a bankruplcy petlllon is llled by 01 .galnst you; or II we belie.... in good lalth that yeu may onl payor pellolm youl obllgaliOns unde'lhls Agreemenl. On your default we may. wlthoutlurther demand or nOllce. cancel your credit pllvlleges. declare your Accounl balance rmnediately due and payable. ane! IMOke any remedy we may have. 'In Ihe evenl 01 your deraull. the oUlStandlllg balance on your Account shall conlmue 10 accrue IIIle.est atlhe APR!sl dIsclosed III the Finlnca Charges seclion 01 Ih , Agreement. even il we have sued you 10 colleCl Ihe amounl you owe. Credit line. You. credil line is speellied from tifTlll to tIme III a separate notice. We may lllmase 01 decrease your credllline based on inlormalion we obtained from you or your credit .ee_olds. Your available credll IS normally Ihe dlllerence bel ween YOUI credrl line and your Accounl balance hncludlllq transacllons made or authOrIZed bul nol yel posledl. fa. celUln cuh advances. ,vailable credll may be less. You Will not ute your Accounl lor. and we may relute to honol. any lIansachon whIch would cause you to erceed your aV'llable credit. PrC'mise 10 Pay. You prolTlse 10 pay us when due all afTlQunlS bOlla wed when you or someone else use your Accounl (even illhe alnGunl charged uceeds your pellnssionl. .11 other l"nsaClions and charges to your Account. and collecliOn cnm we IIICUf IIltludmg. bul not Iirnled 10. reasonable anorney's lees .nd court costs. III you win the SUII. we wl11I1'y yOul reasonable allorney's lees and COUlt com,1 Changes. We may change any pari Ollhis Agreement or add or .emove reqUIrements alier nOllce as reQulled by law. II we change the Fin.nce Charges sechon of Ihis Agreement. Ihe new lin.nce charge calculatlon Will apply to you. whole Aceounl balance Irom the elfeCllve date ollhe change. whelher or notlhe balance Inc!udl'1ltl!mS Pllsltd tll vour Account belore Ihe chanqe date and whether or not you canhnue to use Ihe Account. foreign hchangeJCuffency Conversion. II you use YOUI Card lor t"nsaCtlons III a cuneney olher Ihan U,S. dollm. the transaCllons Will be convelled 10 U.s. donut generaUy using ellher . iiI governmentmandlled lale or !1I1 wholesale market 'ale In e!!ecllhe dJY bet ole the tranSatliOn processllll dale.lIlcreased by one percenl 11"'1. II a credllls wbseQuenUy given lor a II.nUCllOn. It wl,l be dwealed by one percenllt'l. lllhl! credit has. dlllerefll procesSing date. then the elchange folIe 0 the credll canbe greattlJlessthan Ih.1 ollhe oflgln.1 transaction. The currellCy con~erSlon rale on Ihe day betole the lIansaC110n plocesSlng dale may dill" Irom the rale 111 elleCl at Ihe IIlTle 01 Ihe Ifansacllon Of on lhe dale Ihe Iransactlon IS posled on your Account. You aor" to leceCI the converled amounl In US. dollars The Card; C.nttllllion. You Will reluln Ihe Card 10 us al our request. The C.lrd elplles al Ihe end ollhe monlh shown on II. We have Ihe lighl not 10 renew the Cald. Al any 11fT'e altH at leau 30 ell1' no lice to you. or wllhoul nnllCe II permlled by law. we may cancellhe Card and 10ur cledll pllvlleges. II your Card IS cancelled or not renewed. IlIlant! chalges and other lees wtU COnllllU, tJ te uSlBed. pa,ments .....11 conTinue 10 be due. and all ot~el applicable provISIOns olthtS Agreement WIll rrmaln III elleet. You may cancel yOUf credll priVileges by notllYlnO us In wlllmg. returlllng lh, CardlsllO us cui In hall. and p'Ylng your entl!e statement balance by the paymenl due ddte on Ihe stalement which mcludes your Imal purchues. cash advances. charges. and lees. Your credll pflvlleges ....,11 be cancelled and no additional Ilnanee charges WIll be lfT'(losed. II we cancel 01 do notlenew the Card. o. II you term/late your credll pfl~lleges. yllu ""y no longer wnte checks on you. Accounl, and yOIl should deslloy any lJIIUled checks WI! have lUued 10 you. 5768 AwalPufdueP9501J IC2t90f G8n-' PII,on,llnlorm,lion; Oocumtnu. "'11 I';ltll)I~l! uS Jllr.l1! 10 'lhl JI(}fl(l! II y011 [hHl~~ ~Olll nJn~. horne Of mJI\I~1 <1tldreH l~'r~honl' I!UmtJl'll. Of Inb YOU -....!l promptly IjlVe us InlOlmJMn about your 1II'I,nc:.I,tI,JrlS II....! Ullnr II Wt m~y !Jel suCh mlorm<1!IOfl ham nlhe". Ifltful'lln!) credll !PpolllOg aqpnCIU. ,)nd ~Hnwld~ youl JdJre1S Jnd ;n!Ofm.alrQn aboul your Account 10 olhell. We mly "SO shar, such IOlorm.tllorJ ....Ilh our IIrllllMB II rOu lalllo luU.11 any 01 youl olllll).IHJIU under IhlS Al)feemtfll. a negallwe tled,l feporlltlleClinq Gn yOul Cledrl fI!cord n\,'ly be sullrnlled 10 cltd1llepo'lIng .gencIU. Customer Servin; Un.1ulhorind Un, lou. 01 Thelt of Chicks 01 Ih. Cud. hell C"d ITlJSI b! sIgned on Il!(p,pl. You .....111 ule9u1,d Ihe Card. your pmonalldenhtlCJl1on nulTter Iwhich ptovldu ,ccus 10 Aulonuled Teller Muhlnul. and any checks Iswed 10 you 110m Ihell. You will keep youl person,lHlrnlllleahon nulTter np.1fI11 110m your C,rd. II IOU dlscovel 01 suspecllhlllhe C"d 01 any unused checks'le losl or Slolrn. 01 thallhtle may be an unaulholllrd lIanU~llon on wour Account. you Will nOhly us promptly by lelellhon,n9 1.800,933. 221. You Will phane. even thau9h you !Ny no Illy us In wrl\109. so 1'0'1 can acllau 10 lutll losses and IlabllllY. YOUI hablhlY la. unaulhoflled use occumn!) belole you nOllly uS IS howled 10 $50 "you repOIl or 'he suspecl unlulhorud us. GI your Accounl. 'he may su~pend you. (fedll prlvl!eges Ullld WI .esolvl Ihe ploblem 10 au. UII'laClton or Issue you a new C.rd. II youl Card IS Iou 01 Slolen, you 'hln pron~lIly demo, In checks 10 yout pouesSlon. To l"ll.ove customer serVlce and SeCurlly. you 'gree Ihal yout calls nuy bl maMoled o. recorded. Mltch.Rt R.lllions, We Will nol billable II any pmon 01 AUlomaled Teller Machine .eluses 10 honOllhl Card o. accepl youl checks. or Ialls 10 tetu," the Clrd to you. WI hlVI no lesponSlblllty 101 goodS ,nd UPIICU purchued wllh thl Card or checks elcept as .eQulled by law. ISee SpeCIal Rule below.1 Cfll'ln benehts thll al' ,uII,ble '0'1111'1 Ihe Account.rl prOVIded by Ihl(d p"ty vendors. W"" not lesponSlblllo'lhl Quabty.lVad,blbly. 01 IIsulU 01 'ny alii'll senlCes you choose 10 use. Stop P.ym.nt Ordlts. II yau wish 10 stop plyrnent on I check. you may send us , stop plyment orde. by wliling 10 us ,1 OUI address 10. customer SflYieellsled on youI bId. You tin mlh . SlOp p,ymenl orde. ollny br calling 11'1. nurmer IIsled on your s"'ernen!. When you make I SlOp plyment order. you IAJU p,ovlde you. Account nuniler ,nd sPetlhc mlotmlhon ,boullhl chtck: lhe IUtt lmoun!, the dill on Ihe check. Ih. nlme ollhe pllly 10 whom II wu p.y.ble.lhl n,me ollhe person 'hho ~gn!d II. and Ihe check nunter. You w~1 be "ked 10 conium In orll stop payment order 10 wfllln;. We ma drue ard OUI otal :)rdet II Wf! do noll!celVe a Sl ned wfllI!n conlllmatlon WIthin 1'0'10 weels aller 11'1, Mal order or II you h've not Idequllely descflbed thl lum SO thlt plyhnl un bl uoppe your cO"lluter. e at e. WI nOI e e eClIVlI I I C ec was pal y uS lore we a IrelSona e OPPOr!UllIly 10 acl on Ihe order. We mly. wIlhaulllabllity. dlsreg'rd I wllllen Slop p.yment order S/1 months alter rece'pl unllss It is unewed rn Willing. Standard 01 CIII. BeClus. this Accounl involvu both credll Clld ':ld check transachons which lie proceued Ihrough s!plrale nlllonal syUems belo.e the HanSIClionllrl consohd.lrd by us. Ind beCluSl not every check ,nd Card shp Will bl senl 10 us. tt.nsacIIO",ln your Accounl Will be plocused mechanltllly Without OUI neceulllly revlewlIlg every Ilem. OUI p'oclI~ng Iystem will call our Illenhon 10 CIIlllIlllems 'hhich WI Will eumne. We Will eUll1Ine alllfansacllOns when you upar! Ihal you'. C.rd or checks hIVe been 10Sl or Slolen. We do nol intend ordln'llly to ,urrin. III items. Ind w. will nol be negllgenl il we dCl nol do so. ThIS rule eSllbbmes Ihe SlIndlld 01 ordll\arr tlr, whIch '11110 good I,ith W1U ell/Clst In IdmnlUlnng youI Accounl. Betlus. 01 out Imtld rhllw. .nd blt.USf nflther your uncelled check I nor C,rd !I,"saclion shps Will be relurned 10 you With the monlhly s"tement, you should be carelullo enler aU checks III your check legiuer or olhlfWlSl keep I rreord 01 them. You should also save your credll tlld cash advance and pUlchul shps. You 'Illle 10 check your monThly stllemrnlS all~(nsl vour mord .nd to nollly uS PIOfTlll1y 01 any unaulhoril!d Hln1lclions ~. Wliver of Cert.in Rights. We may del.y or waive enlorcement ollny pIa vision Ollhis Agleemenl wlthoullosing OUI r19M 10 enlolC! It or any olher prOVISIon laler. You '0'11"'1: lhe right to presenlmcnl. demand. prolnl, A. n011C! 01 dIshonor; ,ny ,ppltClbll slalute ollill1ll'hons; and Iny fight you may have 10 IIqUllt! us 10 procel'd .galnS! anyone belol! 'he sue you. Applicebll La..... SeYlrlbilily; Auignmlnt. No mailer whele YOU live, Ihls Agreemenl and you. Accounl are governed by ledmllaw and by New HafTll~~lte I,w. AI any lime Iller w. determin, in good "111'1 lhll ,ny proposed 01 e"acled leglsl.lIOn, regula lory achon, 01 JUdiCIal deciSIon has lendeled or may render any mall'llal 11l0vlS10n 01 this Agrel'menllnulld or unenlorceable. o'lfTlIose Iny Iflcleued III. reportlllg reqUIrement 01 olher burden In conneCllon wllh any such prOvlS/on or 111 enlorcement. we may. ,Iter Illeut 30 days no lice 10 you. or 'hllhoul notrce II1Iermlled br law, tlnclltlle C.rd ,nd your CIIdll pllVllegl!S Ind decl,l! yout Accounl balance unnedlalely due and payable. If any provISion 01 thIs Agreemenl IS held 10 be Invalld or unenlorceable. you and we 'hIli conSIder Ihi! pIa VISIon modi lIed to conlorm 10 applicable law. and the Il'SI ollhe provl:1lons III Ihe Agreement wdl s!lll be enlolCeable. but we wLlI have lhe nghlto tancel youl Account ,nd declare your b,l.nn llT11'11dl'te!y due. IS provided In the plecedlng senlence. We may transler or assIgn out Ilghl to ,liar sorre 01 your payments. II Slate law flqul'l!S thai you receIve notICe 01 such an evenllo protect Ihe purchuff or USl~nee, WI may gIve you wch nOllce by ltlln9 I Ilnanclng stalemenl WIlli the slale's Secrllary 01 State. NOlices, Other nollen 10 you shall be ellective when deposlled in the mall addressed to you at Ihe address sho'h" on our recolds, unless . longer notice pl'.iod is specllled in lhis Agmmem or by I.w. which period m,U SUrl upon mailing Nollce 10 us shall bemalledloouladdlesslo.customersmrceonyourstalemenl(olothll.ddrems.hemayspecllylandlh.lIblefleetlve.hhenwelecelv.lt. Your Billing Rights - Keep This Notice lor Fulurl Un ThiS nOllce conlains iIr4Iollanl inlo.malion about your rights and out responSlbililln under the Flit Credit Billing Act. Notify Us in Casl 01 Errors or Questions About Your Bill. II you think your bIll IS wrong, o'lf you need mole infOIfTl3lion abOut In enlrr on your bdl. wnte us. on .lIp"'le sheet. II our address 10' CuSlOITlf. setvlCe listed on your bill. Wtlle 10 us as soon as pOSSible. We IAJSI hear Irom you no laler Ihan 60 days aller we senl you the firSI bill on which the etlot a. problem appeared. You cln lelephone us, bul dOlOg so will not pllllrll yout righlS. In your leller. gin us the followlIlg: Your name ,nd Accounl nunter. The dollar amount of Ihl. suspwed !rrOI. . Oeu:ube the error and uplaln, II you can, why you bellewe Ihell rs an erlor. II you need moll InlotmallOn, desCl1b! the item you ale nOI sure aboul. Your Rights Ind Our Responsibilities After We Receive Your Written Notic.. WI rnJSl Icknllwledge your leller within 30 dlys. unless we hive collecled Ihl eHor by Ihen. Within 90 d.ys. we tT'llU fltht( correCllhe errOI or uplain why we believe the bin 'hIS correc!. Altet we reellve you,'eller.we Clnnotlry 10 collect .ny amounl you Question, at fl'pOr! you IS delinquent. We can conllllUI 10 bill you lor Ihe amounl you question, Includlllg hnance chlrget. We tan apply Iny unpaId .mount agllnst your credrllllle. You do not have 10 ply Iny QuesllOned lmount while we afllf'lVUllgallnQ, bul you are still oblig'led ICI par the pam 01 your bllllhat afe nOI III Queslion. II w. IlIld 11,..1 we made a rrislake on youI bill, you Will nOI h.ve 10 ply ,ny lin,nce charge relaled 10 any Queslioned amount. II we didn't make a rrlUlke, you may h.v' to p'y finlnct chlrges. ,nd you will hive to make up Ihe fT'iued paymenlS on Ihe Questioned amount. In eithrr clSe. we will send you a stalement olllle amounl you owe Ind thl dale Ihal II IS due. II you "1110 ply Ihe amounl WI think you O'he, we may IepOl1 you as delinqul'nt. Howev", II our elplanatlon does not sallslr yOU and you Wille 10 us wllllln 10 days telling us that you SlIU reluse 10 P'Y. WI m.ut tell anyone wt report you 10 Ihal you Quuhon youl bllr. And, we tT'llsttell you the name 01 anyone we lepolll'd you 10. WI tT'llst lellaoyone 'he report you 10 IlIaltlle mailer has been s!llled belween us when it fin'lly is. If 'he don'l 10Uow these rules. we tln't collecl Ihe lilll ISO 01 the queslloned amounl. even II youI bill was correc!. Spec ill Rull lor Credit Clld PurchaSes. II you havI I problem '0'1111'1 the Quality ollhe goods Of serVICes Ihat you pUlchued wllh au' credit card and you have I/led III good ,.ilh to cOllect the pfoblem WIth thl merchanl. you may nol hawe 10 ply the remllnlllg amounl due on the goods Of serVICU. Thlle Ife Iwo hll1llallons on IIlISllght: lal you IT1ISI h.ve madllhe purchase III your home sllle. or II nOl wllh1fl youl home SIIle. WIthin 100 Il1Iln 01 your currenl m.1lllllg .dd,ess; and Ibllhe purchase pnee tT'llst have been more Ihan 150. These hml'hons do not ,pplr II we own or operate Ihe merchant. or II we mailed you the Idvertlsernent 10. the propelty or se'V1Ces. 5768 Aul Purdue P9 50V L C21 gor Appl~ and Apple. P.C. NO.412-68:2-3138 ~u (' o..u..... L..t L{ rl c;5 .;.l '"j /5t/'-/03fd). () 2.97 12:50 No.008 P.05 . . AF..IllilAnT I, Calhcrln~ ric~hover. or Provirliall NaLlonal naok, Plalnliff hcrein. verify L1,all"e atalem.1I11 of racl conlain..! 11111,. ror.Solll' C'.omplalnl are Irue .IId <.nrrecl. I undurohlld Ihlll fAl.. alalemellla herein are n.arle auhJectl" I". ptllalUes or 18 r.. C.S. 54904. relalillg 10 un.worn r.I.lficalinn 10 auLl,nrllic.o, OV/'~/fr- . t IJ.le a~ J Affiant Catherine PlckhDver f)f!rllfJo/ 2 t Offirel nle (J (). I!t;Jv Q053 AJtlN:.. RfYl!/Oi7ltJO I (l;. r;15hifl Cil,l. Slote ..ol Zipl I f'-... \.' \, I Ix, .e ~ '" ~ ~ '- ~- rl': ("J . i ' . -- "J ..... I ~ r r l' ~ ~ ~ r ( ,. ,~ l<' \'"""'~ -.n 'C""') '0. C::. 1-J ~ 'I, 10 1;-. , ~ J ..... I ,\, , <Qc it. co (\~ oj I ..:; ... ,. ,- , - ..., ').{ . l.:" ~J ~ Y'" r< ~ , .... Z ... '" a- ;:;:: '" a- '"' oJ - ~ ~ Cl III III ::> ....l ..... ~ ~ ..., W '" 0 0..: 0 Z~ ~ ..... ... .... .J '" '" 0 ..... " ....l n. ~ N 01;5 VI '" -...t '" ::> n. > !!! '" ~O M ... 'C < 0{ .J ~ M ....l " " ~ " .. au < -...t OJ '" 0 0 u z '" .... Cl Z III r Cl .. 0 .-< OJ <( ~ " [:;~< 0 >-< '" . Cl a: " '" :> Z ~ x 0 w ~ III ....l>-< 0 ~ .J III III ...."'~ Z Z u n. 0 ~ a: a: 0 '" '" ::>0> >-< ~ '" n. .. ~ OiS....l .... I ....l >-< <{ ~ u >- U H III U "'''' < Cl > ~ '" "''''~ >-< I ;;i =~ ..... :> < .... '" H 0 ~ '" ~'" > 00: '" ZO >-< 0. '" >-< U - IN TilE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA PROVIDIAN NATIONAL DANK NO. 1997-3309 IN CIVIL ACTION .vs- PlaintiIf(s) AVA L. PURDUE PRAECIPE FOR DEFAULT JUDGMENT Defendant(s) CODE- FILED ON BEHALF OF PLAINTIFF COUNSEL OF RECORD FOR THIS PARTY: JlImes R. Apple, Esq. PA LD. No. 37942 ClllIrles F. ]Jennett. EBq. PA LD. No. 30541 JlImes S. Aller, Esq. PA LD. No. 35164 Joel E. Hausman, Esq. PA LD. No. 42096 Marylouise 1I'1Igner, Esq. PA LD. No. 61095 APPLE AND APPLE, P.C. Firm No. 719 4650 Baum Boulevard Pittsburgh, PA 15213.1237 Telephone (412) 682.1466 Fax (.112) 682.3138 ~ ("I i':" (., ,~-:. 'l- " i~ U.l('"'" <.)' \~: \: ~ ".- t '.~ - '.. y~ ':-) 0' I L'.' __I . L'~ ; , ... ," i ;;...:. , .' " 1- L; ,,- U o 'X1 :s'eJ '--., ~ ~&" r<") .f'-:. ~ t:; <<J"< ~ ...:. ......' o ~ i ,..;, , ~ \) ri -"" fi . >- a, c": - it: ..;1 lU!"' l ,. cU L1___ (~}(-~ L~: .., LJ'", (' . f ~I'. '. C,. j':. . _. u ..;--: (... ~,. '.) ,0; V tfl ~ 00: III III ~ ... ...:I ..... ll< ... l:: >< 'ri III ZE-< :.:..... 'tl oz Z l:: l:: :l;;::> oO:'ri Ql :l;;000: ~ III .... OUH .-< Ql U Z ...:IP-. C CoO: 00: r..-z> Z Z 0 000:...:1 0 H ...:1>< "'H ~ ~ E-<ll:tfl IDE-< ll:~Z III ::> l"lU Z > ::>~z l"l00: C O:l;;~ I Z ll: U::>ll< r-...:I 00: ::> U "'H ll< ~ H :er..- "'> C . E-<O ~H H ...:I U > Z . 0 00: H OZ ll: > ZH ll< 00: -' ,~ ->-- ~ o!.:J ~:\ . ..j lJ--.l - r~ -<. ~ - .... ":J. ('V-;, d~ w 0 .J '" M & ~ ~ <{ .J ~ " .. ~ g i < ~ ~ w "" ...J ~ m n. ~ !: n. .. .. <{ ~ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO, 97-3369 CIVIL 19 CIVIL ACTION. LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To salisfy the debt, inlerest and costs due Providian Na t ional Bank from Ava L. Purdue. 225 Brian Dr., Enola PA 17025. PLAINTlFF(S) _ DEFENDANT(SI (1) You are directed 10 levy upon the propMy of the defendanl(S) and 10 sell lL'Vy on pemonal property (lvrended 4-14-98) (2) You are also directed to allach the properly of the defendanl(S) nollevied upon in the possosslon of _ Commerce Bank, 100 Senate Ave., Camp Hill PA 17011. GARNISHEE(S) aslollows' Serve Interrogatories. and to not~y the garnishee(s) that: (a) an attachmenl has been issued; (b) the garnishee(s) iSfare enjoined from paying any debt to or for the account of the defendant(s) and from delivering any property oflhe defendant(s) or olherwlse disposing thereof; (3) II properly olthe defendant(s) not levied upon an Subject to allachment is found in the possession of anyone olher than a named garnishee, you are directed to nolily hinvherthat he/she has been added as a garnishee and Is enjoined os o~e slated. " Amounl Due _~!. 278. 0 ~_n_n . __.p LL . ._. __. _ ._.~~___..__ Inlerest 7117/97 to 3/17/98 $326.58 '__'. _,__ Due Prolhy ____~_1. 00 Ally's Comm Ally Paid Plaintill Paid % Other Costs $101.30 Date: March 24, 1998 II DIVision by _ REQUESTING PARTY: Name Marylouise Wagner, Esquire __.. 4650 Baum Blvd. Pittsburgh PA 15213-1237 Plaintiff Ooputy Address: Altorney for: Telephone (412) 682-1466 -~-~~--------_.- -"-. Supreme Court 10 No _..61095 R. Thcrnas Kline. Sheriff. who being duly sworn according to law. states this writ is returned "NULLA BJNA." Sheriff's Costs: Do~keting Law Library Prothonotary Garnishee Surcharge Levy Service Poundage $18.00 .50 1.00 9.00 12.00 20.00 48.98 2.19 $111. 67 Advance Costs: Sheriff's Costs: $150.00 111.67 $ 38.33 Refund to Atty. on 6/16/98 So An~~r,:;, // r~~~~....(' R. Thcrnas Kline. Sheriff Sworn and Subscribed to Before Me This ..J.1!: Day of C} _ . 1998. A.D. q'J..u... QJ 'n~ I ~ I ': c:=:>) C\@ C\@ = c5V r,:u;l -0 p1.-- - " -- -;:C. : f r;j., o ~~ -- - "': ~;, " ." .. "<l ':l u, \Jl " ... f-~ '. ..c::... vi.., :t~ . - J>' r--' ~ --0 ::% .' ,n _ :11 ~:n '. '" '."'~ . ~ :u c..k.- ) I) 3)... ,.'> ~O'fI'tJ Ii. ~ ~~ ... ~ -I-- - ~ ~ .....J ... - - l'.- 0-.... >- '>- a; I.:: ~~ ~ <, ~ ,...:: i':: : ' ~ r UJ:'- I.". I 0 ~ ~ 00' - D p,oC ,- , , 'V I:'- -...( ..,' c. .. () ...... .' 0 0 ~ (.1 ~.. . rl) .J ~ 0 &:: N ~ 0:- , 0 0 :;:z-- \Jp 8'& -' '.'J "Ii ...... 01 . v) U:~'. .-: t>,:: ...... ~o- V) <J.., i-- ...... "- ~ . , ,.. ("., ....... u c. () r, THOMAS KLfNE St1fHIIl W of <Sl/l1Iu(' \,\,\\ ' IZ ~~ i,:. <lIto :~.\~~. ::; . . - ;:/.~: "0$' 'f ';:..J,~ ,,\,'" t.- )~/...-;,' ,-=.- 0;- \"., f"-:;'ll'J-., ':':: ---:"" ::. '\'),\\".. ., .. '" "'n .', "1' ~ ~ >f -~.' .,";:\;~:~:~ ~.;,' :-.~'. ~: RONNY R. ANDERSON Chief Deputy ED~IARDL SCHORPP S0hr:llor OFFICE OF THE SHERIFF PATRICIA A SHATTO ROlli Estate Dnpuly One Courlhouse Square Carlisle. Pennsylvania 17013 / (') ,:> (') r-: ,., ." Fcbruary II. 1999 -" .1 iq ,::J Providian National Bank r~ , . ';:J " ,- '" -,I" -vs- L: '.7 . ;(') A va Purduc ~ ~- ; --, :;:\ ". ," :.-. 1-'- No. 97-3369 Civil Tcnn ", . - I.jln Propcrty Claim Dctcnnination , .. .,.,! <\ c:- ?l -c '::J Dcar Sir Rcfercncc is made to Property Claim dated Fcbruary I. 1999 cntcrcd by Gcraldine L. Purdue, and pertaining to Exccution No. 97-3369 Civil Tcnn, Providian National Bank -vs- Ava Purduc. R. Thomas Kline, Shcriff, has dctennincd that the claimant, Gcraldine L. Purdue. in thc abovcmcntioned propcrty claim. is prima facic the owncr of the propcrty set forth thercin. So answ~ r~'~~~<: d.~ R. Thomas Klinc. Sheriff '-- ~}uti\ 'fT cc: Marylouise Wagner. Ally. Ava Purduc. Dcft. Gcraldinc L. Purduc. Claimant NOTICE OF PROPERTY CLAIM Providian National Bank III The COllrt IIf CIIIIII/I011 Pleas of Cumh,',/atld COlIlJly. P(Jlltuyl"atr;a ....................,.......................................................................... .............................................................................................. liS. I ..................,...... \ ......,............. ) Writ of Execution Ava Purdue '52..6ilvei..M~'...............,...,.........,.. Enola, PA 17025 97-3369 Civil No. , , , . , . . , . , . . , , . . . , . . , . . . . . . . . . . Term TO THE DEFENDANT AND ALL OTHER PARTIES IN INTEREST: You are hereby notified that a property claim. a copy of which is aI/ached hereto has been filed by Geraldine L Purdue I' . I' d h ' U I . I .f h . . . . . . . . . . . . . . . . ~ . . . . . . . . . . . . . . . . . . . . . . . C D1mrnR property ISte t erern. n i!SS an appraua OJ I e prop. erty is requested within (10) days from the dale of this IIotice, the "heriff withoul making an appraisal will accept the I'alue of the property set forth in the claim, Feb. I, 1999 Date:,.,....,...,..""""."" . /),/ ,-/..d! .. ?,-?"" 7,:-:::"-,....~<- ~L;:....<-<:. Sheriff of Cumberland County cc: MaryLouise Wagner, Atty. Ava Purdue. Deft. Geraldine Purdue. Claimant "j,' -SmA.th By . , "]Q<\''1' , , , , , ' . . , . , , , . , , , , , , , , , , , Deputy 01" , .. , , .... . ..t ffJ II ,. . , 1"1] ~D ..,i JJ . . c,( f(' ,,", fU I;- -h ". '" '~ c/1" ~ d (l {l h" AC. " '\04 "'/--t'1' O",.>{') ~ ?,-Z; v...... ) J!. ~ .,,2 ') q .5 () .~ ,:02 6 ~ 50 .$f .2.. D $7 JoD dl ..5 0 i 10 r4> / (j () ~ 5'()O lJ1 :J Or) fj Iou f}{ IOU ! tD 1{ .5 f S I'd, I () ~ _,)0 ~ '5 u ~ .).0 f \ L) 0 (q .100 [R.Suo 11''\ i s.( {.\6.-f\t-....\'-'--.l. (/ I A t' 'I \. - J. ,\y..; k.-l ~ I \\ -I) ,; 0 1 l l', () . ; ,\ \ V '\ '- l" ( , I I, I. 0- 'l'\.,,\ Ll P \ ,; , I, <' ((\,,-',,, ~ d I r\', ....,:'\ f "'"........ t-z"J,\,'..\ C\,...,-. ~ ~ \ L r u l,;\) h_v' <: od- ~ h.._l''- l. \J.. \ (./....'- J I \ ') f..J \ '> 'r f~' ~ ~ "T ( ,'" ",. \:,,, CU.... J If? h', ~0N <,<.A-u'Y 5"-> ~-hn/''!... W{.....)y\..-,__..- c\y '1 ".' '<.'\ ,~- "C e L Gr \-::> \. {-.....(.... ~ \..;,) Dlu,l::- be ~ c\ Y f 0;; J ('J" .;, hI ':) '" \- ';. -\.....--'-"'---'" So oS -\- C.V'T (l (, ''''''''f ~\:c,y' & (" .\ \<.... <' 0 >.\,,~t- <, \:-c. \ \.., '-' (0,-.1 ,. ,......"'\.:, ~" \~...- L.... ') L\" (lo '. -( \ '",,,,,,,- \ () ,,\ \ , .. k.. L. - \," ,.lc ,,\, "'\-(' \.~' (' .1 f{ \ (.J ,~ 10 fI.J 0 $, ,'/ S II .,j, ~ '\ "-- ~ ) ,'1" ._,', '~\ I" (. \., (, \. I, '..\ '\ (i.;- t..- ,," (' kJ-'- \.1..\)( '\ \ \, \ V l' " '., I'"......... \ ,,~, - ,!'.., '-- \ '\ , . . ',- (,., .' ( \ c'--~ ~ ( " ",l, \ \ 1~'Y, "........ I b(:..~ 1',,-,.,- <..:. I b .l.c f( ~~ () H 5 i) ~t 50 If '00 ~ IS ill 5 't J. u ll; ,)'S ~ ~) c) ,'" I' '> ( ""~ ((}-"" c (~ \A~ S \.'LJ lJ \ ~ .-) I ,:J C''''- o..~ {' ;, I fi" ,~, L h...1:::.\<::. \ S \-\ o...\v,u~, "'.-'~ \;\ "f \ c.t\ .\. ,,-(' \w ~ c.I ,',' U ef e \..-v_-'. ( ~ \ ('u,._\) '> " 1'-1.-';) <:: q Jl c:) (\l C:') C> t\l \ I:) U 'If .J () 1!~ , l.) ,) <f.1 \ 00 .it \ l)U d.\ 2.D <1.l 'SO \,~) '- '--' \' l ,l,"-~ '('-c\, ,) \ Ct....., i\ (r" '" Lv e..y Cj (~, c\ e.,,\-v u \ .s c &~i'.'v'.:j e. (b \~{', "'-,.. n;::t, i-cl),,,. ~ <, I""" .\ \ ~'-- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA PROVIDIAN NATIONAL BANK NO. 1997-3369 IN CIVIL ACTION -os- I'lointiJJ(s) AVA L. PURDUE DeJendonlM PRAECIPE FOR SATISFACTION OF JUDGMENT AS TO GARNISHEE ONLY .vs. CODE. FILED ON BEliALI' OF PLAINTIFF COMMERCE BANK COUNSEL OF RECORD FOR THIS PARTY: GOr1lishee(s} Jomes II. Al'l'le, Esq, PA J.D. No. :17942 Chorles F. Bennell, E,'q. PA J.D. No, 30541 .Iorl f,', lIousmon, Esq, PA J.D, No, ,12096 APPLE AND APPLE, P.C. Firm No, 719 .tfi50 Baulll Boulevard Pillshurp;h. PA 1521:1,12:17 Td<,plnllll' (,1I2) 6S2,J.!(ifi Fax (,112) 6S2.;l!:lS .. .., t " ;.". (; .. " " . . r( I:"., :;-j ~ ~ :>- "') -.J ('00 [J!. " '-l l'f) ....- () v, '"'- 1 0 l':' ~. ~ i ~