HomeMy WebLinkAbout97-03800
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7. Plaintiff avers that the written Agreement between the parties provides that
Plaintiff is entitled to the addition of finance charges at the rate of 23.1 % per annum on the
unpaid balance.
8. Plaintiff avers that finance charges calculated at the aforesaid rate from February
26,1997 to June 26,1997 amount to $370.81.
9. Plaintiff avers that the Agreement between the parties provides that Defendant will
pay Plaintiffs attorneys' fees.
10. Plaintiff avers that such attorneys' fees will amount to $1,591.95.
11. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed
and/or refused to pay the principal balance, finance charges, attorneys' fees or any part thereof
to Plaintiff.
WHEREFORE, Plaintiff demands Judgment In Its favor and against Defendant, Joseph
C, Stanton individually, In the amount of $6,738.63 with continuing finance charges thereon at
the rate of 23.1 % per annum plus costs.
(D) A RlJturncd VISA or M3slerCmd CMl"k reo of $20 II.lIlY VISA Of
M:lslerCma c~lcck ir. plC!:cnll'tJ 101 fl,l~11\I..'fll ,met H!lumerJ llt'c:J.J'il' yom
ACCOUlltlS in dcl;IUII. ro~llldp.d duo 10 d"':Woll\lCII';Y, or ""Qull! cau~c you:
Account h.l1nllco 10 llxeecd your c,olhl limit
(e,A Lale PavmentFofJof !.~O ....htlll }'O~l 1,\.11:.> f\I;'\~c;l1 k;,I',ll!IO f.I'llifll\lIfl
Poymcl\l by th6 Oalo PilYIilClI1 Duo GlIuw" flU ym,r SIJtcrn(ll1l.
(F}A Slop Payment Fcc of S:!O .my hme Voa t.10UC~: ii 510p p.lytl\{,nl 0::
II VISA or Mi}slc,Cmd dleck.
3. Financo Chargo. Th.1 Aw,;},,,, Di1ilf Pnn,;tp,lIllill;1fK:C IS C>Jku:ah..d
scpilmlcly br lltlfCn.1S('!: "lid cOl~h .11i"';lncc:>. To ddmmif)ll Ulll .t."CWli'l
D.llty PrlOcip;'ill1..1t.ltlCe, we ucJd 11m D~ul)' GiJ!..mc~s ilr:d ~lVldtJ Ihe 101:11 by
lho number 01 r1;I'IS in Ihft ~lnl~mclll bllhtlJ P"tlWJ. nIl) nillOUl1t uf any
pu,chase or c.1:;h ndvnnco. indwling VIS~M.lslcrCilld chl..<d.~, will b€:Ir
FlImnco Charge from tho d,1Y 01 1M IrnnS.1r;llo'1 Of Imlll 11m Ilt:;1 d.:IY 011110
hilling cytl!) in which Iho t,;tIlSOlchon 15 ilppl,c<J Ie your Accour,t, \'.hdlCvcr
islalor.
The Oilill Purchase l101ll1'lCl! is ca~cul.lled by 1:llo.iniJ Iha 0.111,. l)I!uinnillg
babnco 01 pl/rcha~c.i, Imnu:; (II Ihe 1Y.l11~.ln 01 p.lymcnl(; anu CleUI:
mljuslmolllS nPJlli.~J 10 1110 pUldl..,}'iotmlnao;, mlllcwdll..ouchC!:l, phi:; IiI'
new putchases, debit purc/lase ndiuS(IIl,,~t1I:.. .1nd Ices (exef'pt nulomnh.
cally OlS$C5scd loc5 billed Oil cyclc day which we lIlcluded In 1110 110.1 d~lY
balance). We will also ildd pmlOf!lc FmancuClliugn C;llculatml on I"\.' Imat
day's Oilily PUlCh..1SO 1J;llanc.o,
Pny Ihe lolnl N'JW Oal,lncO hy Iho O"I(! P.lyrnmll Due shOWlllln your
currenl Slillcmcnl nod incur no Fin.lf1CC Chargo on 1ho New Balance 01
Purch..lses, There is i1 glaco PCllOd of olleasl25 (jays 10 aI/aid i1tJrJilional
Financo Chilrge on 1he Now Bo1lo1tx:o 01 Purdmses. Thero is 110 perIOd
without a Fin.lneo Chmgo lor Cnsh Advanccs htlCo.luse a Finmlco Chargo
Is imposed upon thoso balances unld Iho50 b.:lIancos me paid In lull.
TIle Daily Co1sh Adl/nnce Bnl.lnco is c.llcuto1led trl laking lI1e d.:lily
beginnrng balnncc 01 c..lsh ilrNarlCi..'!I. minur. Ii) the IXlrtion 01 paymenls nnd
crcdltad(uslffiCnls applied 10 lho cash advnt1Ce balanco. plus (II) new c.lsh
advances nod Ices (cxccpl au:omallCo.llly assessed Ices billed on cycle
d,1'1 whIch are included in Iho nexl day hnlal\ccl. Wo will also ndd penodlC
Fifl..1rY.:o Charge cnlculaled on the prior d,1y':; Daily Cash Advance Bal.
ance.
A chargo will bo assessed for each Cash Advo1tlce Imns.lclion and will be
fel1cclcd as an ac!dilion.11 Finance Chalge. Cash Advnnce lran5<1cllons nrQ
VISA.l.taslcICard checks applied 10 yom Account. Automated Teller
Machine (A TM) disbursomenls, nnd cnsh oblnincd by presenting your
Card at any p.1rticipnling llnnnclallnshlutlon, Tho chmgo will be 2".. ollhe
amounl ad'llanccd; however. it will nol be less tlinn $2.00.
Also, an addilion.11 Finance Charge wilt be added lor lho lollowing Iypes 01
transaclions which are feflecled as purchases on your Slillml1enl: wire
lUlOSll:lfs, mooeyorders. bets.lonery llckctsnndc.lsinogamingchips. Tho
addltionnl Fin.1ocO Charge will be 2% olllie mnotlnl ollhe Iran$<lcllon:
howover. 11 will nol be less limn $2.00.
9. Application of Paymenls. Polymenls recclved nt Ihe maIling ilddrcss
specified on your Slollement prior 1011:00 a,m. on i"my buSiness day will
be nppliedonlheday received, Payments received niter 11:00 a.m. on any
business doll' and paymcnls received on nny non.t::alSlness d.1Y WIll be
applied lho next business day. Payments fP.ccivcd at any other 1000ltiol1
may Incut a delay in CfCtllling 10 your Account.
We have tho tight 10 npply paymenls 10 your Accounl al our discretion, This
specifically includes. but is nollimiled 10. Ihe !ighllo ilpply paYlllonls 10
p,omolional bat.lnces poor to non.promotiOO,11 balances.
10. EnUre Balance Due. If you lait 10 mnke Ihe required pnymenl when due
orbreakanyplomise in this Agreemenl. we mnydccl.lrc Ihe cnlirchal;'incc
01 yaw Accounl due and payable OIl once withoul prior notice (s~bjC<:IIO
appliCable law regarding notico 01 ri!JhtlO cure).
We "13Y also m.'lke this dcdaralion il:
10 you make any lalse Of misleading statemenls on your appllcahon
10 you have bct!n declared bankOlpl
10 you die
10 thoro is an ovenllhal causes the prospccl of p<tymcnt to be slgnlfic.lntly
Impaired.
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11. C:mce!l31!0n. VI" tIlHV ciII}';r:1 YO'J: Ac.wllnl. f"tw..e 10 .1110.., Imtller
tr:lII~aCllo:1S, It.ckrthntJ VISA or r.l.l!:.lt'ICiHlI ck-cko;. r:r rC',{)io.e yoU! C,m.!
:"II nn',' litn", ..."I\('lflcr Qr N~I Y'Ju itrlJ in do..'lallll 01 il11Y piltt olllus Agh!IJ,"IlI~1.
in hlo twenl we I,l~e r,utll OIcll(";lI, Willllay dur.1all;; tho cntlllJ ~};Ilance 01 :tour
"CCOllllt dUIl!lf ,e..l:;l.lltl'} nll1o\inl 01 'iour Minimum Pavment (SOJtJOLIIo
W:)PlJf lIollllc:,IIOII n... IUqUlrt....! lJy i';lllhCH!Jl,lli1W) Cnrjf;fJIl,lllil:O rl1 yr,lJI
h:,;ullal w.il nnlnll",cl '(Cllf U.1t)lr.!'{IQ II!', 101 UCt!i1 'JfU havoc:clcndt'd I.;) '1':Ju,
1l1c:lIdiWJ lllT'OUlllfi flul vel LlIUed Iv your Acc.cun: "lIt! n,,,',' c.lncol '{Oil'
/\cr.llllnl wllhoul nOIICOc,1 ho1l.H!lly. Voulnusl ~urr!lfo1o~lhQCmdci1llur uPf,n
Ollr rl:l1uu:i: 0' lilt! Icquesl 01 fin, (Jlhu bank or rlll;lchanl who IS. (lCl.f,(,l
llpnn Ollt In~!ttdI(Jlt;.
12. FClrelgn Trnn'toctlons. We wirl ChWgil, nndyou WI!I p;IY, In U. S. doll.lt!>
lo. ilU IOH)I!JIlIt':III:iJ:lioilS .1lthQ c:'td1a~gQ r~la In cllccllho day bclOflllha
l~iln5tlclj()1I p:rAu!>sing dll;J. As of Ihe pnllLn~ l!;l!O dllll!. ^Cf&fJff1ont l!lf:
~xr.hallgo mIl) 011 VISNM"sll!rCard If.ln~,ac.llon5 is otlhcr a go'/ulfilllunl
,nandill...>d ""0 or <1 wholesale markel ralo, increased by Ig.g. Tho (:x.
cl1.1nn'1 f.110 u~l 0111110 Ir:mStlclion prc':~ssillg alltl) n'ity dl!lor Irom till.'
r,llo in ellecI on l'ilMf lIl1t cI::l'J 01 you~ lr<ln!;.."\ctlon or thtt date tho
lI>JII:;<lcllon is. po51~d 10 yO'lr nt"'.counl.
13. Chango of Terms. Wo can chanGO ltJn letm$ c.l t~\I~ Agreement jll any
Imlc ;lnri Wlr, notifyyotl in t1cc:ordanco ".1Ih OhIO irlli unci flpphcahlo lml(t(;'i!
law. This nollco Will bfl mai1(ld 1::1 lI~c 5;1n1'] lIdt1rOS5 .15 '110 !lend YOlJr
Slalcmenl. TIlO new tcrrn3 will utfocl tl:l Ollltolnna.ng balun;;cs 10 Ihuexlcnl
nol prohlllitell by Ohio law olnpphC;lblo IclJOf<llla......
14. Oth9r Provisions.
(A) 'No h.wo no rospon~lbllily lor Iho lililufO of nny m,lchine. mflfchilnl,
f'nancial inShlult()i"1, or ott-OJr palfy III honor your C."\,d,
(B) " IOGo11 nc1ion IS requi,ed by us, you will p4.ly tho costs, incluoing
allomOy'lO 1005.
(C) Each cred.1 c.lrd account you ha...o wi!ll us is sepmalo Irom any olhf)'S
you halle wilh liS ;:lOd Finance Chmges will be Chi"lIgcd on each accounfs
b,llance. E.1Ch creeSll c.'}r~ nceount Will be fCprCSI.'lllmt by a dlllclf.ml
account number.
15. AddfCSS Changes. You agree 10 nOlily us immadintetyin wrillng II you
change your address,
16. Interpretation. This Agloemenl wI! be governed by applicable
ledaml lo1w and Ihe lo1....'S olllle Slale 01 Ohio. II nltl proVIsion of this
Agleemcnt is held 10 be invalid. Ihal will nol nllcct Ihn vnlidil-I cl the
'~nl..'lllllng prOVISion,;.
YOUR BILLING RIGHTS
(Keep this notice for future use)
This nolico conlains impor1nnl inlormation aboul your tights and aUf
rcsponslbll1lles under the FJit Credit Billing Act.
Nolily Us In Case of Errors or Questions About Your Bill
If you Ihink your bill is wrong. or II YOll need mOle inlormation about a
Ir ansolc!lon on your bill. wnto 10 us on <I 5!:'p..lralo sheet allhe address hslod
on YOUlbll1. Wnle tousas soon aspos5ible. We must hearlrom you noLller
than 60 days alter wo senl you Ihe FIRST bill in which the ottor or problem
nppcmed. Vou c.1nfclephone us. but dOing SO will nol plescrve your righls.
In YOUf loller, gIVe us the lollowing mfolmallon:
10 your nume and account number
. tho dollnr amount of the suspected error
. descnbo Iho errof nod explJ.in. If you Coln. why you believe Ihere is an
Cllor. II YOIJ need molC inlorrt\illion. doscribe the ilom you are nor sum
aboul.
. your signature and d.1te.
II you ho1vC au:horiled us 10 pill' your credll card bill automatically trom your
sailings or ch':cking account, you c.ln SlOp the paymcnl on any amounl you
Ihlnk is wtong. To stop Ihe payment. your lenof must reach us Ihree
business d<\ys beloro the aUlomatlc paymcnl is scheduled 10 OCCUt.
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY. PENNSYLVANIA
CIVIL DIVISION
BANK ONE, N.A. FKA BANK
ONE, COLUMBUS, N,A.
Plaintiff
vs.
Civil Action No, 97-3800 CIVIL
JOSEPH C. STANTON
Defendant
IMPORTANT NOTICE
TO: JOSEPH C. STANTON
201 E, COOVER STREET
MECHANICSBURG, PA 17056
Date of Notice: AUGUST 6. 1997
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS
CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE
ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER
IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT
WHERE YOU CAN GET LEGAL HELP:
LAWYER REFERRAL SERVICE
PA BAR ASSOCIATION
P,O. BOX 186
HARRISBURG, PA 17108
1-800-692-7375
WELTMAN. WEINBERG & REIS CO" L.P,A.
~6:RI~~- .
PA I,D. #168013
Weltman. Weinberg & Reis Co., L.P.A.
2601 Koppers Building
436 7th Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR 1101168859
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