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,
ELEANOR F. DIVELY,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Plalntlet
v.
No. t)7. 6~tJs'
fjt;"~ ~~ tlrL
HFTA CONSUMER DISCOUNT
COMPANY fIk1a TRANSAMERICA
FINANCIAL CONSUMER
DISCOUNT COMPANY
: CIVIL ACTION - EQUITY
and
HOUSEHOLD FINANCIAL CORP.,
Defendants
NOT1CI.;T0 DEFEND
You have been sued in court. ICyou wish to deCend 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 deCenses or objections to the claims set Corth agaiJUjt
you. You are warned that iC you Cail to do so, the cuso may proceed without you and a
judgment may be entered against you by the court without Curther notice Cor any money
claimed in the Complaint. or Cor any other claim or relieC requested by the plaintiCr, 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 ReCerral Sl>rvit't1
Court Administrator
4th Floor
Cumberland County Court house
One Courthouse Square
Carlisle, PA 17013
(717) 240.6200
REAGER &: ADLER, P.C.
BY: LINUS E. FENlCLE, ESQUIRE
ATrORNEY I.D. NO. 10944
THOMAS O. WILLIAMS, ESQUIRE
ATrORNEY I.D. No. 87987
IlSl Marke~ S~ree~
Camp HIl1, PA 17011-4841
(717) 783-1383
A~torneYI ror Plaintiff
ELEANOR F. DIVELY,
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
P1aln~lff
v.
No. 11- ~(,or ~ /.J,u-
HFI'A CONSUMER DISCOUNT
COMPANY Clk/a TRANSAMERICA
FINANCIAL CONSUMER
DISCOUNT COMPANY
.
: CIVIL ACTION - EQUITY
and
HOUSEHOLD FINANCIAL CORP.,
Defendants
COMPLAINT
Plaintiff brings this action pursuant to the Declaratory Judgments Act. 42 Pa.C.S.A.
U7631. et seq.
1. Plaintiff Eleanor F. Dively (hereinafter "Plaintirr') is an adult individual
currently residing at R. D. #'l.. Box 226. Duncansville. Blair County. Pennsylvania 166Sli.
2. Defendant InTrA Consumer Discount Company Clk/a Transamerica fi,,,nvu1
Consumer Discount Company (hereinafter "Defendant Transamerica") is a oorporatkm
registered to do business in tho Commonwealth or I'enneylvanill with a registered offico or do
CT Corporation System, 1635 Market Street, I'hiladelphill, Pennsylvania 19103.
3. Defendant Household Fill8nco Corporation (hereilUlfter. Defendant HFC.) is a
corporation registered to do business in tho Commonwealth of Pennsylvllnia with a principal
husiness addresses of 2700 Sanders Hoad. Prespect Heights, Illinois 60070 and an offico at 25
Gateway Drive. Mechonicsburg. Pennsylvanill 17055.
4. On or about January 10. 1983, the Plaintiff together with her now deceased
husband, William E. Dively. entered into a loan agreement with Defendant 'rra08america
whereby. among other things. Defendant TransamericlI lIgreod to 10lln the Plllintiff and her
husband the principal sum of 517.529.52 at an annull1 percentage rate of 20.72% and in
exchange. the Plaintiff and her husband agreed to repay tho loan by making monthly payment
of5295.00 for 180 lDll6C<.'Utive months. The account number for the loan is 301380. A true and
correct copy of the front of the promissory note and tho related disclosure statement are
attached hereto as I';xhibit "A".
5. As security for the loan. the Plaintiff and her husband gave to Defendant
Trall88merica a mortgage on their real property known as RD. #2. Dox 226, Duncaneville. Blair
County, Pennsylvania 16635.
6. Pursuant to the terms of the promissory note the Plaintiff and her husband were
to make their lirst loan payment on February 10. 1983 and their linal payment on January 10.
1998.
,
~
7. The promissory note signed by the Plaintiff and her husband states that the
amount of the prepaid linanm charge (loan fee) plus the interest charged over the life of the loan
is 536,797.54.
2
8. The total amount to be paid by the Plaintirr ond her husband undsr the
promissory note including all principal and filUlIICO chargell ill $113.100.00.
9. Upon information and boliof Doflmdant TrllnllamoriCll lIold or assigned the
promissory note to Defendant JWC.
10. No further or additional obligations Wllro agnlCd to or undertaken by the Plaintiff
with feapect to Defendant HFC or the promisllory note Hold or aHaigned to Defendant lIFC by
Defendant Transamerim.
11. AroJnJing to documents supplied to the PllIintiff by Defendant Transamerica, at
1eoat $46.603.61 of the Plaintiffs payments WIIS IIpplied to interest on the loan as of January
7. 1997. A true and rorroct ropy of the aforesllid documenta aro attached heroto as Exhibit "B".
12. According to documenta supplied by Defendant Transamericn to Plaintiff. the
amount of principal on the lean which remainod due and owing as of January 7, 1997 was
$16,403.87.
13. AroJnJing to documents lIuppliod to the Plaintiff by Defendant Transamericn, as
of January 1997. after the Plaintiff had made 14 years of paymentllthe principal loan amount
was reduced by only $2.126.66, from $17.629.62 to $16.403.87.
14. From the date the Plaintiff and her husband were to commence repayment ofthe
loan. February 10, 1983. to the present, the Plaintiff and her huaband made only two untimely
monthly payments for which they received deferments.
15. The Plaintiff believea and. thereforo, alleges that she has paid Derendant
TraIUlllmerica and HFC amounts in excess of what is required under the terms of the promissory
note.
3
16. The Plaintiffbeliovlltl and, therefore. alleges that Defendants Transamerico and
HFC have failed to apply the Plaintifrs payments in accordance with the terms of the
promissory note.
17. The Plaintiff believes lind, therefore. alleges that she is entitled to II refund in an
amount yet uncertain from Defnndunts Trunsamericu and/or IIFC und that Defendants
Transamerica and HFe ure not entitled to any further puyments from the Plaintiff.
18. The Plaintiff through her undersigned counsel has requested from Defendants
Transamerica and HFe true. correct and complete copies of the entire promissory note to
include aU of the terms and IXlnditions. but, to dote. Defendants Transumerica and HFC have
failed and refused to provide true. correct and (Xlmplete copies of sume. A truo and correct copy
of the undersigned counsel's lottei'll of request to Defondants Transamerico and HFC are
attached hereto as Exhibit "C".
WHEREFORE, Plaintiff respectfully rtlqueslB that this Honorable Court enter judgment
as follows:
(a) determining the rights and obligations of the parties under the
promissory note;
(b) order Defendants to provide Plaintiff with an accounting of their
loon almunt including each and every payment mode by Plaintiff,
und amount of each paymont applied to principal, amount of each
payment applied to interest, tote1 applied to principal to date,
total applied to interest to date. and principal balance due;
(c) erder DofendanlB to pay over to the Plaintiff any and all sums paid
by the Plaintiff to the Defendants in excess of what was actually
due under the terms of the promissory note dated 1/20/83, No.
301380;
(d) order Defendants to provide a true and correct copy of the
promissory note;
4
(8) award attorneys Cees and eapenees to Plaintiff Cor Ceell and
eXp8l18es incurred in brinllinll this action; and
(I) Ilrant such other relieC as the Court deems appropriate.
Respectfully submitted.
LER. P.C.
~-
DATE; 11/75/17
NUS E. FENICLE. ESQUIRE
Attorney 1.0. No. 20944
THOMAS O. WILLIAMS. ESQUIRE
Attorney 1.0. No. 67987
Attorneys ror Plaintiff
"
5
VERIFICATION
I. ELEANOR F. DIVELY. hereby verify that tho averments or the foregoing
pleading are true and correct to my personal knowledge. infermation and belief. 1
uooerstand that false statements herein are made subject to the penalties of 18 Pa.C.S.
Section 4904, relating to unsworn falsification to authorities.
#'4-.-<-' J ~'t
ELEANOR F. DIVELY .
Date: 1~'t If??
1/
7
EXHIBIT A
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Credllor:
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"1r 1;':I.f ST':'!"'.r"
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DISCLDSURE STATEMENT
16.3/6 (REV 7.82) 8J716 (fiEV 7.82)
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My payment
schedule will be:
~"lOf""U..Ud
PAYMENTS ARE
DUE MONTHLY
SEGINNING:
II""'..... ," ,,.' ~ ~
, ......,1',
$ 'j" rJO,OO
Tolal bl Payments
IflIt"'IIDlI.I..lllloNtl~1d
Aft llloWlnwoll ~l
j.YYItcllttn'K11tWttd
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ANNUAL
PERCENTAGE RATE
Ihle01l"" my ,,,;ull
".,vl".
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FINANteCHATlCe
lie tlull.6l,,11Ulllll1hll
~..:"1I..n1l tlY,! Ite
$ l' ,"., I'
Am~~riiFiiiahced
IIC..,1WI1l111 lIt'l)l1
I.,,,.ktl III III!U1 I.'
m,g.i",1t
rrt,tyftlil.t: . llllrf oft 81111. I .... 1101 "'" 10 pIf' I ,...,
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SECURITY: A !loal ~Jle tnull'J.1IJC d.llt'\J V'1:'~/ '.\
00 (\Iupc1lyloralecl ~ PO /.1 ~ HITY' ')'1(.. en, ,,1,.. CI"1l'~t.v)
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ITEMIZATION OF AMOUNT FINANCEO:
e meam an l!";lim3le
PAlO TO YOU OR ON YOUR BEHALF
10 irS unAcc1U1l No
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TO PUBLIC OFFICIALS:
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101M "'00"' DlLD.... {...... _,.., _"""""'f
TIll UHOlRSICHID ACKHOWlIOClS RICIIPT OF A eon OF TltIS DISClOSUftl STAmM.
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EXHIBIT B
365-DAY REC/lSTldG WORKSHEET
EAP PMT
000
712 301310
lvELV
YEAR AttN. RATE
J(,~ 19 CO
FAC TO~ PEa ,,,,,1
o coc~ 2:547 2'J!I 00
. EAP P~l Pcl'l, EL' LiI.1 E,o\P. A . AlJJ on,
Tel: O. O.lulfl'llffll. S. S~\lcLal. P . Plln(;~:1l: OI1lY. E
R1 . R.luln C""k Las1 Pay",lIn!. R2. R.lulf'l CI'.eclll 2 PilVIT14lI'l" BJcll.. SP. P"ne'pl. Only 00 NO!" .
PM . AT CAYS PAYMENT TC INTer.ESf PRIN lPAI. BAL.ANt ACCRUED "EX OU U
Stilll 1""lts) lU~g~2 000 , 1983 2g5CO
T 2114iS:.! 31 2'1500 2:21H 12,\3 17,511 :.19 000 3 1983 29500
2 3115i1n ~. 29500 ~~.. u JO 56 17,..aS 8J 000 . I!lSl 295.CO
3 4'01;13:1 23 29500 ~:J 36 856" 17,401,19 000 , 1983 29500
. Sll71BJ .0 29500 ;~! 00 000 11,..OUQ &132 6 1ge3 295.00
5 6I1tUJ 30 2!150a :1500 000 17,40119 ...06 7 198:3 29500
. 7/2.2183 J6 ~'.JSOO :':'5 co 000 17..&01 III 7SlS . 1983 29S 00
, iI02JIU '2 2'J500 ;:500 000 17,40\.19 \GO 59 . 1983 29500
. 10101'83 3' 29500 :;500 000 17.-401.19 14839 '0 19113 295 CO
. IlIO.lIlt' n 2'J5oo ;.:i500 000 17..\01.19 UI25 II 1983 29500
'0 12107/83 33 4;'1500 ~;! 00 000 11..\01.19 14516 12 1983 29500
11 12116.dJ . 4Qgell . o CO 000 17,81107 22668 12 1983 2~S 00
'2 H0918.\ 2' :1"'500 ;.:;500 000 17.81107 154.19 I 1984 29500
13 2J06.08..\ 2. 2'.i500 2:i5 :0 000 17,811,01 1111,79 2 1984 29500
,. 3i09/8..\ J2 2'J5oo .,)500 000 17.8\ 101 120.41 J 1~84 2!iS 00
15 4/0..\,8..\ 2. :!!)500 ;':'500 000 1/.811 07 6852 . 10S4 29S 00
'. !lIoa"II'" 3. 29500 :;i500 000 11.8\1.07 8875 5 198..\ 29500
" 61111801 ,. 29500 i9500 000 17.1111.07 10698 6 1984 29500
,. 110gi84 2' 29500 ,J5oo 0.00 17.811.07 7158 7 19U 29500 .....
" 8/081114 :JlJ 295~a l1! C1 I).or; 17.811.07 5472 . liU 295 00 I
20 9/07184 JO 29500 l;.500 000 17.111 07 3786 . 1984 295.00
2' 10110/84 33 29500 :~5 CO 000 17.11101 .\a.81 '0 198.4 29500
22 1110011:1.\ 27 29500 2>j5oo 000 17.811 07 4.14 II lid" 29500
23 l2J06l1l4 :JO 29500 2132 ;lit 1272 17,798.35 000 '2 1984 29500
,. 1/08185 JJ 29500 as 00 000 17,798.35 10.74 I 1985 29500
25 210d.'85 3' 29500 19500 0,00 17.798.35 2.95 2 HilS 295.00
25 2/12185 . 392.51 . 000 000 18,190.88 40.01 2 1985 29500
2' 2112185 0 283S . 000 000 '8,219.21 4001 2 1915 2'5,00
25 VIV85 0 '000 . .\0.00 000 18,219.21 0,00 3 1985 2.500
29 3113185 29 29500 :i7S03 1997 18.199,24 000 . 1985 285.00
30 4/11185 2. 295.00 274.73 20.27 18,178.97 0,00 5 li15 29500
" 5116185 35 295.00 2'iS.00 0,00 111,178.97 31,20 . liU 295,00
32 6106185 21 29S.OO 234.92 60.08 11,11889 0,00 , 1985 295.00
33 711118$ 35 295.00 29SOO 0,00 18,118.89 35.11 . 1985 295,00
,. &11518$ 35 29500 295.00 0,00 18.118.89 70.22 8 1985 29500
35 91 1 Z/85 2. 29$.00 295.00 0,00 18,118.89 38,30 10 1985 295,00
35 10114185 32 295.00 295.00 0,00 18.118.89 48.11 11 1185 205.00
3' 111081f15 25 295.00 281.90 13.10 18,105.79 0,00 12 '''5 2950.00
3. 1108186 ., 295,00 29500 0,00 111.105.79 271U1 , 11186 29'.00
3. 2JQ6I1l. ,. 29$.00 2Y500 000 18,105.711 258.23 2 '8U 29'.00
'0 31t0l86 32 29500 295.00 000 18,105.79 264.82 3 '8U 295.00
., 41091116 :JlJ 295.00 29500 000 18.105.79 252.S6 . 1985 285,00
'2 51Q7/88 25 29SOO 295.00 000 18,10'.79 221..45 6 ,... 295,00
., 6111188 35 2950C 295.00 0,00 11.105,79 2>&,32 . ,... 295,00
.. 7/09/86 25 295.00 295.00 000 16,105.79 225,2' , .He 205,00
'5 610B/86 30 29500 29S.OO 000 18,105,79 212.5 , ,... 295,00
.. iJ1Q186 33 295.00 295,00 000 11.105.79 228.97 8 ,... 295,00
., IQll01B6 30 295.00 295.00 0,00 18,10'.711 211.7\ 10 ,1)08 205,00
'5 1110$186 2. 295.00 2i5.no 000 '8.105.19 1".75 " 'llIl6 215.00
.. 12111186 3. 29S.00 295.00 0,00 11,105,19 211.04 12 ,... 295,00
50 1/12187 32 29S.OO 295.00 000 11.105.711 2U,83 , '"' 205,00
5' 2/10187 29 295.00 295.00 000 11,105.79 195.a5 2 '''7 205,00
52 3110187 '5 295,00 295.00 0,00 18,105.79 18..... 3 'N' 205,00
53 4109i81 30 295,00 295.00 0,00 18.105.79 152.&1 . '"7 205.00
5' 5/111117 32 295,00 295.00 0,00 18,105.79 159.17 5 ,", 2115.00
55 6/0916' 2. 295.00 295.00 0,00 18.105.19 131.49 . '"' 205,00
5. 7109187 :JlJ 295.00 295,00 000 11.105.79 125.23 , '"7 205.00
5' 8110187 32 295,00 295.00 0,00 18,105.79 131.12 , '"' 2lll,oo
55 810918' 30 295.00 295.00 0,00 1..105.71 11'.$1 8 '"7 2lll.OO
5. 'O!OM' 2' 295.00 29500 0,00 11.105.71 7'.03 10 'N7 215.00
60 11105187 30 29'.00 295.00 0,00 11,105.11 11.77 " '''7 215.00
.. 12/091'7 ,. 295.00 295.00 000 11.105.71 1:1.21 12 '.., 2lll.00
12 'IOS/IU 2' 295.00 295.00 0,00 18.105.711 11." , '11I lIUO
DIVEOCTl.XlS . As Is
3124197 10:08 AM
Pooe 1 013
365.DAY RELflSTldG lVORKSHEET
EAP pP.lr
000
.
31\2 J01)10
1',rELV
vE.lA
:)(;'5
Ar-.1i. RAre
1<J .:0
FAcrOR
o c-,~.t:~:~~41
AEG Pt-AT
?9500
T~, D. CIl'."l'otIlIl, :i . 5,,1(..111, P . p, ",: ~'. Omf, E . EAP Pd," .,nl, EI. . LHI FAr', A . A":J en.
~, . R.lurn C~.(.k LHI p"yrr..rll R2. PIl'.."1 C~l!CIl '1 Pa"rr"I"'l a,lell; SP. Pr.ne'p'. O"'y Do Nol ....".
fPMh AT DAY! PAYMENT TC INTEnfST PRINCIPAl. BAl.ANe ACCAUeO NE' DUe OUI
tiJ it,"{;'')18b J' ;/':1500 .;~S ",0 o v\J \d.l(.i~ 7'3 86!15 , HUld 29500
" l.C..Iil!1l " 4']500 :J5'~ oco HI.! os 79 111'- 3 1968 29500
15 f,CO,SIl 33 2'15 C{.l ,j51.:'0 o CO ld.1QS79 JJ 16 , 1~a8 29500
.. ~ 04.88 " 2'j500 ~'15 00 o co '1:1,10579 215 , 1968 295_00
6T 6.01,81:1 J' 29500 415 :;0 000 1fJ.105_79 ;(809 . '9SiI 29500
.. 1,Q7/Blt 30 29500 ~~5 en 000 'fU0579 1S83 7 19118 29500
6. 4I10<8d 3' ~')5 00 ;J50C o C'O '8,105_79 .127 . 1988 29500
70 g,C6.tlt! " ]'j5 (;0 ~'1S ":iJ o co 1I110S 79 074 9 19tH! 29~ 00
71 locti,tUi 30 29500 ;;~) ~a 1152 18.0').127 0)0 10 1:)88 29500
72 11/1018d Jl 29500 ;;'5 co 000 18,';;9.4 27 34" 1\ 1968 295,00
73 '206r8b ,. 295 CO ,~=j ~5 '545 18,07882 000 " 1988 29'00
74 1i.;18:t 30 29500 ~=2 32 126! 18,066.14 ceo , 1989 29500
" 1'07,89 33 49500 l'i500 0(,0 laOedu 153.4 2 19a9 29500
7. lCllid'J ,. 21)500 W;C6 Ii!H 18.05920 000 3 1989 295,00
77 .&:06.189 ;29 2000 4 ,000 000 \8,05920 25201 , 1989 29500
7. 4.06.-89 0 2!l500 2~2 51 4239 ~ d.QlIl 81 000 , Hj89 29' 00
TO Oa.'8'1 32 2:;500 .;i500 000 18.01581 5,11 , 1989 295.00
.0 &.0&169 ,. 29500 277 08 1792 179~a 89 000 7 1989 29500
.' '07ra!:f 31 2;}500 21044 456 17,S9433 000 . 1989 295,00
02 a,<:lli8;i 32 29500 l'J~ ('J (l~ ".9,4,33 n, 0 1989 295,00
83 9iC~'a\J '9 29500 2715 37 1863 17,975.70 000 '0 1989 29500
" lo.1)~lhl ,. 29500 HI35 2365 17.95205 000 1\ '989 29500
81 "t07IS,) 33 29500 ::''1500 000 17.95205 13 38 12 1989 29500
.6 IZ,.OS.t1<J ,. 29500 ;:7503 1997 17,932(\8 000 , 1900 29500
" 11(1<)190 3l 29500 2';1500 000 17.93208 31.10 2 '.00 295,00
.. O!lt90 " 2~$OO 23313 11.21 17,920.81 000 3 '.00 295,00
.. l-0&.90 ,. 29500 27053 244' 17.8ge.3<t 0,00 , ,.00 285,00
00 4i09t90 J4 295,00 29500 0,00 17,898,34 21.14 5 .900 29500
91 ~C9190 30 29500 295.00 0,00 17.896.3<t '2' . .090 2fl,oo
92 IOMO ,. 19500 ::a1,05 2795 11.868,39 0,00 7 '900 295,00
93 7,06;'30 30 29$.00 27904 1598 17.852.43 000 . '.90 295,00
.. MIMO 31 29500 28808 &,92 17,845.51 0,00 0 '900 295,00
.. ~06i90 31 295.00 281.9' 703 17.838.48 000 10 1990 .U.OO
.. 1O/09f9() 33 29500 295,00 0,00 17.838.41 11.43 II '900 295.00
97 11107190 2. 29500 280.71 1.4.29 17,824.19 000 '2 .990 29500
01 12/01190 JO 29500 27834 1666 17,807,53 000 , 1991 295,00
.0 1101191 3' 29500 257.35 765 \7,799.88 0,00 2 1991 29500
'00 2I06Ill' 30 295.00 21797 17,03 17,782.85 0,00 3 '1/9' 29!,oo
10. 3107191 ,. 295,00 268,44 2.,1t 17,751.29 0,00 , .1/9, 295,00
'02 4104191 ,. 29500 258,80 3820 17,720.09 0,00 5 ,1/9, 29!,oo
'03 5J07~1 3,' 29~,OO 29500 000 17,720.09 0,30 . '1/9' 295,00
11>4 &'05/91 29 29500 278.89 1IU1 11,701.98 0.00 7 ,1/9, 295,00
10! 7108191 33 29500 29500 0,00 17,701.9' 0,06 I 1891 295,00
106 8;06191 29 295,00 27830 18,70 17.68J.28 0,00 0 1891 295,00
'07 9<1>9^>1 3' 295.00 moo 0,00 17,883.28 '7.98 '0 ,1/9' 295,00
'01 10/'11191 J2 295.00 29500 000 H,E-.n2' 17.51 II '1/9' 2UOO
109 1'~7t!'1 " 32000 266.04 5396 17,829.32 000 " '1/9' 270,00
110 12l0~Jl J2 29500 29366 1.:>< 17,627.98 0,00 , '1/92 ~7000
"' 11071941 '9 29500 2&6.10 2690 17,599.01 0,00 2 .1/92 270,00
112 2JQ.4I92 2. 295.00 258.51 )8.49 17,560.59 0,00 3 '1/92 270,00
113 3..06'92 3' 295,00 283.37 1113 17,548.91 0,00 , '1/92 270,00
II. ,/0619, 3' 295,00 283.18 ".42 17,5.37.14 0,00 5 ,m 270,00
II! M)7192 31 295,00 282.99 12.01 17,525.13 0,00 I ,". 270,00
II. ~2 33 295.00 295.00 0,00 11,525.13 .,1>4 7 ,m 270.00
117 7.'07/92 2. 295.00 281.47 33,53 17,49'.&0 0,00 I ,1/92 270,00
II. _192 2. 29500 254.94 40,08 17,451.S4 0,00 0 '1/92 270.00
119 8<)919' 36 29500 295.00 0,00 17,.451.S. 32,03 10 '1/92 270,00
120 IQI1l6I92 29 29500 295.00 0,00 17"UI.M 0.47 II ,m 270,00
'2' 11109192 32 2'#5.00 291.16 3" 17,447.70 0,00 12 '112 270.00
'22 12108192 29 '295.00 283.38 31.82 17,.'1.01 0,00 , ".., 270.00
'23 tf04193 27 295.00 244.77 5023 17,365.85 0,00 2 'flfl3 270.00
12< 2105193 32 295.00 211827 !,7J 17,360.12 0,00 3 lflfl3 J70.00
'2! 1'10193 33 295,00 295.00 0,00 17.360.12 3.21 . 'flfl3 270.00
DMRCTl,XLS . A! 15
3124/9710:08 AM
Pcge 2 013
-365 DAY REC/1STlNG WORKSHEET
'"3 '01"0 "AA ANN, AATE FACTOA AEG PM'
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127 !.06.rVJ 2' 419500 223 )0 11.70 17.288 -42 000 , lUlU 21000
'28 fL07(~J '2 "9S 00 287 !l8 10, 17.281."'0 000 , 1993 2'000
12. 7106193 ,. 4'9'00 26081 J.. 13 11,247 21 000 , ISiJ 27000
':lO 8105.93 30 6''J500 2cg Jot 2S 66 17.22161 000 . li!U 27000
'~1 91C9r9J J5 29500 295l,'<l 000 17,22161 tll76 10 '1193 27000
13, 10,12193 JJ 2!1500 29500 000 17.22161 '95lJ II ti9J 27000
133 111(.I8/9J 27 :t9S 00 2616J JJ 37 17,188014 0,00 12 1993 27000
134 12iOJ..~J " 29500 223 eo 7132 17,11892 000 1 1994 27000
135 I,05~9.. 33 29500 294 OJ 0., 17.11595 000 2 199.. 270.00
13' 2/08:94 ,. 29500 29500 o CO 11.115,95 '" 3 11194 270,00
131 3/11194 31 295,00 211411 1089 17,10506 000 . 1994 270,00
13' 4,07;94 2' 23500 240<40 5460 17.050.45 000 5 1ri94 27000
13' 5.C&94 .. 2noo 257,39 3761 17,012.85 000 , 1994 27000
"0 6<tl719~ 3' 2~5 00 283.39 11.61 11,001,24 000 , 1994 210,00
'" 7106194 .. 2';'500 2~664 ~8,36 1<<5.962.88 0,00 . 19~4 210.00
'" 8108194 " :lUoo 291,38 382 16.95928 000 , 1994 27000
"3 910819<4 3' 29500 271 f1 ~1.33 ld.Y319,3 0,00 '0 199<4 27000
... 10110..9<4 " 29500 282.14 1286 16.925.01 000 II 1994 270.00
"5 11,0]'94 2. 295,00 246.68 48,32 16.876.15 0,00 " 1994 270.00
'" 12/{)a.'~.c 3' 29500 ,7233 22.67 16,8'''.08 000 , 1995 27000
'" li06i9~ .. 295,00 254,42 40.58 16.813.50 000 2 1995 210,00
'" 2t06I~5 3' 29500 27131 2,3.69 16,789.81 000 3 '09. 2'0,00
". :11'07195 ,. 295.00 25,3 45 41.55 18,748.26 000 . IUS 270.00
'50 "/04195 28 295.00 244.11 Ma9 16,697.37 000 5 1995 270.00
'51 5101195 Jl 295.00 269..... 2555 16.671.81 0,00 , 1995 270,00
152 5107195 33 325.00 2!la,38 3862 18.633.19 000 , 19905 2"0.00
153 7107195 :lO 320.00 259.75 6025 16,572.0" 000 . 1995 215.00
'54 8107195 3' 32000 261.43 52,57 16.520.37 0,00 . 1995 '0(1,00
'55 "'<l6i95 '0 :.120.00 2519a 62,02 16.458..:15 000 '0 IV95 145.00
1'8 10104195 2. .:12000 23988 10.12 16,378.23 000 II 19i5 140.00
157 111O~5 JO 320 00 255.16 64,24 HI,313.99 000 12 1995 115.00
158 12IOStSS " 320,00 271,75 41.25 H5,2ti5.7" 000 , fiil 0(1,00
'" 2107/96 .. 6"0,00 541,89 98.11 18.167.53 0,00 3 ,... 40.00
160 =519< 21 320.00 227,23 92.17 16,074.85 0,00 , '... 15.00
'" "/0.5196 Jl 320.00 259,39 60,11 18,014.25 0,00 , '... 285.00
162 5<l6i9, Jl 320.00 256'''2 8ua 15.952.87 0,00 , '... 2eQ,OO
163 6i05l96 :lO 320.00 249.12 70.88 15.881.79 000 8 .... 235,00
.., ''''519< :lO 320.00 248.01 71.DD 15.809,80 0,00 . ,... 2'0,00
16' 810519< 3' 320,00 255,12 6Ul 15.7.....92 0,00 '0 .... 185,00
168 "'<l6i98 32 320.00 262,27 57.13 15.687.19 0,00 11 ,... 110.00
167 10104196 " 32000 22Ui4 81.36 15,595.113 0,00 '2 '... 135,00
"8 Illtl11V6 J< 320.00 276.C2 "3.De HI.551.85 0,00 . '", 110.00
". 1210"/96 2' 320.00 218.57 101.4;1 15.450.42 0,00 2 '"' 88.00
170 11071i7 J< 320.00 213."5 4t1.SS 15."0387 000 3 '"' 80,00
Ilt".., p.ld 48.603.61
OIVERCTI.xLS . As Is
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REAGER & ADLER, PC
ATIORNEYS A"O COUNSELORS~T LA\\!
~J31 .\\AR~fT STWfH
CA\'P HIll. f'("~H\'~'..a" I~0I1'''M1
:'17.7b).1J8l
THH....711.7]O-7]6&
TH(OOOIU A. AOLER'..
DAVIO W. R(AGI~
LINUS (, '(NICL(
DURA D(NISON CANTOR
THO,,-,,",S O. \\'llLtM\S
SUSAN H. COMAlfit
REPLY TO:
June 25, 1997
P,O. BOX /9/
HARRISBURG. PA
11108.079"
....'ONlc." O. ZER(HER
lll!i.al AUI'l"'"
. A!Ul ,dm,utd 10 DC. s.,
Via FACSI:\IILE 1213.742.40101
Gerald V, Lax, Esquire
Senior Counsel
Trans America financial Services
P,O, Box 2494
Los Angeles, CA 90051
RE: Eleanor Dinly, F97.0391
Dear Mr, Lax:
On June 18,1997, you forwarded a copy of the subject promissory nOle of January 10, 1983.
You only enclosed the front page of this note and not the back page. 1 need a full and completo and
copy of the entire promissory note. I would request this immediately.
Thank you for your kind attenlion to this matter.
;f::};JbA
/Linus E. Feniclef//
LEF/rlw
cc: Eleanor Dively
C~~YL11t
+ Cf~lfied .. . Civil Tri.1 Speci.li.. by ,he Nllio",,1 Bo.,~ 01 T,I.I AdvOClCY. A penn.ylvonl. Sup,emt Court Accredited Ac...cy
\1. \
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REAGER & ADLER, PC
ATTORNEYS~'\D COUi'oSELORS~T LAW
:!31 "\'hH $1Il.((T
CAMP HILL. PE"SYl'''''l'' 1:'011.4642
717.ifl).I]U
Th!f.U 711.7]0.1)66
THEOOORE A. ADLER'.
DAVID W. REACU
LINUS E. IE"CLE
DEBRA OENISON CANTOR
THOMAS O. WlllIA\lS
SUSAN H. CD"AIR
June 2, 1997
MONICA 0, ZERCHER
Lf8.1 Auillin1
-Als.o Idmillfd IQ D.C. en
Gerald V. Lax, Esquire
Senior Counsel
Trans America Financial Services
P.O. Box 2494
Los Angeles, CA 90051
RE: Eleanor Dively, F97-0391
Dear Mr. Lax;
.
.-
REPLY TO:
P,O. 10' 197
HARR1!B\.RG. PA
';106.0"'7
,..
"
We have been contacted by Eleanor Dively in regard to her outstanding loan with Trans
America Financial Services. In order for me to properly review this matter, 1 am in need of a
complete copy of the promissory note that was signed by Mrs. Dively on January 10, 1983. I am,
therefore, requesting a full and complete copy of the promissory note. For your purposes in securing
a copy of the promissory note, the loan is numbered as 3712 301380.
In addition, I have had an opportunity to review your letter of March 31, 1997 to the Office
of the Attorney General of the Bureau of Consumer Protection, Commonwealth of Pennsylvania.
I have also looked over the attached 365-day recasting worksheet in regard to this loan. The
recasting worksheet does not appear correct to me. The present outstanding balance on the loan, in
view ofaU payments that were made, could not be the sum stated in that worksheet. Please supply
the requested copy of the note immediately.
y~
inus E. Fenicle
LEF/rlw
cc: Eleanor Dively
C~EnEJlS\OVELY,LTR
J"
- "-~.
all payments were madc in a prompt and timcly manncr.
7. Dcnicd as statcd. Thc tcrms ofthc Promissory Notc speak for thcmselves.
8. Dcnied as statcd. Thc tcrms ofthc Promissory Note speak for themselves.
9. Denicd as statcd. To thc contrary, Dcfcndant, Transamcrica mcrgcd with and was
acquired by Household Finance Corporation. III.
10. Dcnicd. Dcfcndant is without sufficicnt knowlcdge, information or belief to form
an opinion as to the truth or falsity of this avcrment and thcrefore, this averment is denied and
strict proof to thc contrary is dcmandcd at time of trial.
II. Denied as statcd. The documcnts allached to Plaintiffs Complaint as Exhibit "B"
speak for themselvcs.
12. Dcnied as statcd. Thc documcnts allached to Plaintiffs Complaint as Exhibit "B"
speaks for themsclvcs. Furthcr. this is a Icgal conclusion of law to which a responsive of pleading
is not required.
13. Denicd as statcd. Thc documcnts allachcd to Plaintiffs Complaint as Exhibit"B"
speak for thcmselvcs. Furthcr, this allcgation is spccifically dcnied as a legal conclusion of law
to which a rcsponsivc plcading is not rcquircd.
14. Admillcd in part; Dcnicd in part. It is admittcd that Plaintiff and her husband did
requcst dcfcrmcnts and madc untimcly payments. The rcmaining allcgations are specifically
denicd in that Dcfcndant is without sufficicnt knowlcdgc, information or bcliefto form an
opinion as to thc truth or falsity of this avcrmcnt and thcrcforc, this avcrment is dcnied and strict
proof to thc contrary is dcmandcd at timc of trial.
15. Dcnicd. It is spccifically dcnicd that Plaintiff paid Dcfcndant amounts in excess
of what is rcquircd under thc tcnns of thc Promissory Notc. Furthcr. this allcgation is denied as a
legal conclusion of law to which a responsive pleadinil is not required.
16. Denied. It is specifically denied that Defendants. Transamcrica and Household
Financial Corporation. III have failed to apply the Plaintiff's payments in accordance with the
terms of the Promissory Note. Further, this allegation is dcnicd as a legal conclusion of law to
which a responsive pleading is not rcquired
17. Denied. It is specifically dcnied that Plaintiff is entitled to a refund of an amount
yet uncertain and that Dcfendants are not entitled to any future payment. To the contrary,
Defendants are entitled to be fully paid pursuant to the terms of the Promissory Note and
Mortgage. Further. this allegation is denied as a legal conclusion to which a responsive pleading
is not required.
18. Denied as stated. The documents attached to Plaintiff's Complaint as Exhibit"C"
speak for themselves. All other remaining allegations are specifically denied. To the contrary,
Defendants provided copies of the Promissory Note to Plaintiff's son upon request.
WHEREFORE, Dcfcndants respectfully request that this Court enter Judgment in their
favor and against Plaintiff, Eleanor F. Dively. in all respects.
NEW MA TIER
19. Plaintiff fails to stale a cause of action upon which relief can be granted.
20. Plaintiff has an adequatc remcdy at law.
21. Plaintiff has unclcan hands.
22. Plaintiff's equitable claims are barred by the doctr.
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81/12/1998 18:59
215-798-1274
MCCABE WEISBERG CONW
PAGE 83
Vl!IlY.ICA'1'IOH
The undersigned. Jo Ann Davie, hereby ctrtifies that she is
the b.ociete General Counsel of the Dehndant in the within
action, Rous.hold Finance Corporation, and th4t she is authorized
to make this verification and that the foregoing facts are true and
correct to the best of her knowledge, information and belief and
further 8tates that false statements herein ar~ made subject to the
penalties of 18 fA.C.S. 54904 relating to unsworn falsification to
authorities.
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215 790 1274
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CASE N0: lJ~7-0~~b05 p ~
rOMM"NWEAL TH OF PENN'::YLVANIA:
COUNTY OF CUMBERLAND
~.!.vFcl. Y ELEANOR F"_
vs.
HFTA CONSUMER DISC CO ET AL
R, Th~gs Kline . Sh~ritf. vho being duly sworn according
to law. saya. lh3t he made a dil~genl s~arch and lnquiry tor the within
named defendant. to wit: HFTA CONSUMER DISCOUNT COMPANY
but was unable to locate
depu'i~ed the sherlff of
Them
in his bailiWick. He th~retore
PHILADELPHIA
County. Pennsylvania.
to serve the within COMPLAINT - EQUITY
On January
13th.
1998
this office was in
receipt of
Pennsylvania.
the attached return from
PHILA[IELPHIA
Coun t y.
Sheriff's Costs:
Docketlng
Out of County
Surcharqe
Phlladelphia Co.
6.00
9.00
2.00
100.00
$117.0~ REAGER AND ADLER
01/13/1'198
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~;w'Jrn "ndu..SlJbscrlb(~to betor", me
thl:j ----'.3.==__ d-3Y of ~.d~'.}____
l'1 __92__ A. [).
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SfJERIFF'S RETURfj
RECjULAR
CASE NO, 1997-06605 P
COMnONWEALTH OF PENNSYLVANIA'
COUNTY OF CUMBERLAND
DIVELY ELEANOR r
V5.
HrTA CONSUMER DISC CO ET AL
po
TREVOR KENT
CUMBERLAND County. Penneylvan~a, who
to law. says. the within COMPLAINT
. Sherift or Deputy Sheriff ot
being duly sworn accord1ng
EQUITY was s~rved
~
upon HOUSEHOLD FINANCIAL CORP
def~ndant. at 1333:00 !lOURS. on the -1LQ. day of Dec!?mbeI"
1997 at 25 GATEWAY DRIVE
MECHANICSBURG. PA 17055 . CUMBERLAND
County. Pennsylvania, by hand1ng to ANN STAFFORD. RECEPTIONIST AND
PERSON IN CHARGE
a true and attested copy of the COMPLAINT - EQUITY
together vith NOTICE
and at the same time diI"ect1ng ~ attention to the contents thereof.
the
SheI"iff's Costs,
Docketing
Service
Affidavit
Surcharge
18.00
6.82
.00
2.00
So answers'
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$Z5.~Z REAGER AND ADLER
01/13/1998
by ~u-.D~; ShenU
SWOI"n a~d>b:subscrib?~to before me
thia J~~ day Of~"H'A.1
19 fi'l A.D.
q'r'
G.p ~/i._ ~.
ro _ lonotert"'-r-
,
.H.".....'I ".TU"N - .UMMONI/COM..LAINT
tV-r~J~ J#~e
[Ie~ F. ;j)J'W/"J
COMMON "LEAl NO. 77..(,,' 6J-
COUNTY COURT
VERSUS
TERM. 11
NFT/.} CmJ~ J)./VC. ~.
Fj;://I Ti'hlJ~,l~ f''''''--<''-/~'I
c'4~ 12 IJC. 41
r/O (. r c.rvr L. .
SERVED AND MADE KNOWN TO ~~
NO. ff/7/IY-'
o Defendant
f3Defendant Company
by handing a true and allested copy of the within Summons/Complaint, issued in the above captioned matter
on D-<..... II ,19 if) , at I;:~-l) o'clock, IJ M., E.S.T./D.S.T.
ot /tn3)" ~k+_
Stote of Pennsylvania, to ~ ~ fee /
o (1) the aforesaid defendont, personally;
o (2) an odult member of the fomily of said defendant, with whom said defendant resides. who stated that
, in the County of Philadelphia,
his/her relationship to said defendant is that of
o (3) an adult person in charge of defendant's residence; the said adult person having refused, upon re-
quest, to give his/her name and relationship to said defendant;
o (4) the manager/clerk of the place of lodging In which said defendanl resides;
c& (5) agent or person for the time being in charge of defendant's ollice or usual place of business.
o (6) the and officer of sold defendant Company;
..
So Answers,
JOHN O. GR..N, She,Iff
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In The Court of Common Pleas of Cumberland Count)', Pennsylyania
.
Eleanor F. Dively
~
\'5.
HFTA Consumer Discount Company f/k/a Transameric& Flnancial
Consumer Discount Company
No. 97-6605 Civil Term 19_
Now, Dec. 1.
Philadelphia
19919-, I SHERIFF OF CUMBERLAND COUNTY, P.\ do bereby depulize Ibe Sberllfof
Couory 10 eucUI. Ibis Wrll, tbls d.publloa belaa m.de .llb. requesl.ad risk of lb. PlolntUT.
r~-'~~
Sb.rllfafCumberlood Coua!)', P..
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Affidavit of Sen'ice
Now,
wltbln
upoa
at
by bondlaa 10
anesled copy or Ihe orlela.1
Ibe coaleals Ih.reof.
19
.at
o'clock
M. served Ibe
a Irue and
and m.de koowa 10
So answers.
.;
Sheriff or
Coualy, Pa.
COSTS
me this
day or
19_
SERVICE
MILEAGE
AfFlDA VIT
s
Sworn .nd subscribed berore
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ELEANOR F. DlYEL Y. : IN THE COURT OF COMMON PLEAS
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
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: NO. 97-6605
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v.
HFfA CONSUMER DISCOUNT
COMPANY f/klu TRANSAMERICA : CIVIL ACfION . EQUITY
FINANCIAL CONSUMER DISCOllNT
COMPANY
and
HOUSEHOLD FINANCE CORP.. III
(misnumed HOUSEHOLD FINANCIAL
CORP.)
rt
PRAECIPE
Respectfully submitted,
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TO THE PROTHONOTARY:
Please mark the above-captioned matter as discontinued with prejudice.
INUS E. FENI LE, ESQUIRE
Attorney 1.0. No. 20944
2331 Market Street
Camp Hill, PA 17011-4642
(717) 763-1383
Dated: May 20, 1998
Attorneys for Plaintiff
CERTIFICATE O}l' SERVICE
'1r//I
AND NOW, this.BL day of May, 1998, I hereby verify that I have caused a true
and correct copy of the foregoing document to be placed in the U.S. mail, first class,
pilstage prepaid and addressed as follows:
M. Susan Sheppard, Esquire
McCahe, Weisberg & Conway, P.C.
Suite 2080
First Union Building
123 South Broad Street
Philadelphia, PA 19109
w/#~
INUS E. FENI E, ESQUIRE