HomeMy WebLinkAbout98-00533
5. Under the terms and conditions of Exhibit "A", Defendant,
upon acceptance of Plaintiff's credit line, agreed to be bound by
the terms and conditions of Plaintiff's revolving credit plan
agreement, A true and correct copy of said agreement is attached
hereto, made a part hereof and marked Exhibit "B".
6. The Defendant subsequently used said credit line and loan
account and incurred additional obligations in the sum of $
6,916.42, no part of which has been paid since 12-19-97 although
duly demanded,
7. Subsequent to Plaintiff's demand for payment in full,
Defendant has made payments totaling $135,00 as of 12-19-97,
8, In accordance with the terms of Exhibit "B", Defendant
agreed to pay the Plaintiff a finance charge on all sums due at
an annual percentage rate of 23,30% and Plaintiff is entitled to
additional finance charges from 11-24-97.
9, In accordance with the terms of Exhibit "B", Defendant
agreed to pay to Plaintiff a reasonable attorney's fee if the
account was referred to an attorney for collection, and Plaintiff
will incur an attorney's fee in the amount of $1,383.00,
WHEREFORE, Plaintiff demands
in the sum of $6,916,42 plus
attorney's fees of $1,383,00 less
this action.
judgment against the Defendant
interest from 11-24-97 plus
payment of $135,00 and costs of
MELVYN S MANTZ & ASSOCIATES, P.C,
BY:~
JOEL STEINMAN, ESQUIRE
PURSUANT TO THE FAIR DEBT COLLECT IN PRACTICES ACT, IT IS
REQUIRED THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT
TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
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Clpilll C,"'.
Fku OtpOsil Nlllanll Bank
AtCllunl Agfumtflt
WHEN YOU SION ANY Of THE CHECKS WE PROVIOE. YOU WilL BE AGREEINO TO THIS ACCOUNT AGREEMENT.
Your Clpllll Cuh 'tcaunl Uhl .Account, Is I '1lJ1lbll p.uanllloln Ihlt dows you 10 ItUU your ,Jctaunt by wrillng thlCks. In Ihls AQ'ltmtnl, .yau. Ind .your. mlln IIch pluan for
whom WI hi" apll1td . Clpilll Clsh Accaunl, -WI,- .ou," .aufJ,. Ind .us. rNln Fim Otpos.it NlllDnll Bank or ill Ilsiqn... You INY not bl lfiQlbl' far In Account if you or I rrwriler
01 TQUI household a~lIdy havl a trtdit Iccaunl witb us a, ProYidl,n Nltlanll Blnk. Th Attaunt may bl uSld only far personll, Ilmly, hausthold. Ind chlrillbl. pUrpOSIS. ,nd nol' 'or Iny
bUlI1w or cormwclll PUfJlOUl. You and WI Ig'" IS lodows:
Cuh AdvlnclS. B.I.nc" you Ir,nsler to Ihls Attount I,om olhu Ilnders wiU b. pallid IS ush advantas. Yau may requllt cash ,Jdvlnu chICks by t.llrlflg our 10U.'re. nurmer Osled an
your slll,"*L You mlY Ilso ICC'U your Atcaunl by wriling dllCkJ, Elth chKk you wnll on your Attount Is trlllld IS I cuh Id'f'lnu madl when WI honor Ihl chKk.
Plym.ntL Yau wi rlC." IltYInlhly stlterrwnl showing your aUllllnding blluu. You WIg PlY us in U.S. doUars (chICks !flul bl paYlbrl ala U,S. oHlu 01 Ihl blnk Ih. cbKk is drlwn
ani at IlIst IhI p.yrrwnl dUI as shawn an your Stllemenl by thl p.ymenl dUI dill In .tca,d.nCl wilh plyment [nslrucUans an yaut monlhly S11llf1W1t. Yau may nol usa your connnill1n
clIKu 10 mlkt p.yrrwnts an you, Actaunt a, 10 makl PIYnwnlS on Iny olhrt Ictounr you hln with us ar our IlIililllS, Thl plyment dUI WIU b,: 2.0% ollhl new bllanu shown an your
111111I*1 pkas lhl armunl of .ny P'SI dUI plynnt plus Ih. .lnJunl by which Ihl nlW barant. I:rUedS your credil rlfll plus felS 10' catlin opllonll semelS. HowIYer, thl paYlNl'l1 due will
nOI bllus thin S15lunlus yOut nlW baltntl isltss Ihan S15. in which caUl Ihl parmef11 dUI wiD bl Ihl amounl 01 Ihl nrw balanul. WI may requirl I highw ninirnJm plymenl if your
Atcounlls pili dUI or .boVI Ihl atdit rlfl.. but WI WIQ nallly yau balall doing so. I your plymenlls rmll Ihln tha PlYIT'llfU due. il win b. 1I111ed IS I sitlgJI plymenllnd nanl of II wiD
bl .ppled 10 tutUtt payllWlll du.. WI rrtly .tC!p1 Iltl or p.rtlll plymentJ, or p.ytMl'lts mlrkld .Plid in 'uU. or malked wilh olhlr reslrictians. withoul losing our right 10 caUeclaq lmaunls
owilg undlf lhb Agr......
FlnlnCI Chlrll. fIRlnCI chlrglS begin 10 lcau. on I debit when il is included in Ih, da~y blllnn rBallntl' Ind tonlinua Unlij Ihl bllann is reduud by . p.ymenl or aldir. Thl BaI.nce
Is reduced by p.yTT'llflII .S ollhl d.rlllCtiYed. and by aedils lutltpt for rhltSlls 01 lall and rtiseftl.neaus chargesll1 01 the d.11 pallid. Debils olher Ihan nnlnn charglS 'fllndudld
in thl Balann.s 01 thl dillS thry att posled which Ir. IS tallows: cash advancI checks Ihat all identified 11 cashier's checks thlt WI mailed 10 you II your tlqul!Jl. IS a' SlYen dlyslfler
thl dltl WI prinl on Ihl chICk: cash adun" checks WI mail to alher Ill'Iderslo trandlf' b.llntlJ, u 0' 10 days aller thl dill on thl chKk: Id other checks. n a' Ih. dill honored: funds
IItctronicaUy lrlnsmned 10 alher lenders ra trandll' balantas. as of the dllll ttansrrilled. Olher dtbiu (.SCltpt far 'IlL rmanct. Ind IT'isce!llntous charglSllfI IfItfudl!d '" your Blllntl as
of Ih, dltl pasted. fm.ntl chlrgas all addtd to your Bal,nclllch dlY and a"lhll1 posted on Ihl "Sl dlY of the b~ling cycla.
To figur. thl dlily nn.nct ch~. WI slln wilh your prmaus day's Bllanct. Idd II debits and subUlct 1m credits 'or thl currenl d,y las uplained in Ihl plrlgraph abovel and lI1lltillly Ihl
nil amounl by Ihl daily ptriadic rill 1m following paragraphl. Thl rmlnct chargl is Ihen Idded 10 and included In Ihat day's Ballnn. Wllrlll a credit ballntl lor any day as lero. WI
dtlaminl Ih. lotal fltllnu chargu fa, Ihl billinl] cycl. by addinjlagtlhtr Ihe rlfllncl charg' lor IIch day wilhin Ihl billit'lg 9cl.. To dttmrinl Ihl IVl!fagll dlily bllann shown an your
Stltmwnt. Idd Ilch diY'S Bllanea (Including daily rlflanCI charge in Iha blU'lfIg cycll and dlvl~1 by thl nuntllt 01 dlYs In thl billing cycle. You cln l11llliply Ihis aver.gl d.~y bllancll by thl
mum... 01 dlys In thl billng cycle Ind by Ihl dlity periadic 111110 delemin. thl tOlal amount 01 your flnlnce charges for thl billing cycle. In calculaling IlfIlnu chlrgls. In Id;'SImel11 will
bl mad. for any tranSlttion ar plymeallhlt would have aitKIn Ihl linlnct charg. cllculalion in a prior bil1ing cycll h,Jd it betn posttd in Ihal cyclll. Therlls no plttod within which cldil
uIlRdld may b. rll9M without incurmg a rll1.ncI charge.. .....
Thl dlily poriodic 11111. 0.0600%, "'"Ullonding 10 an ANNUAL PERCENTAGE RATE 01 21.90%.
I
EXHIBIT
B
FIlS. W. wi chlrgl your Accounl up 10 St3 for: elch returned paymenl check: uch check you wrile an you, Account Ihll we relum unpaid: each SlOP paymenl Older or llfllwal of such
an arder: I.ch biDing cyd. within which your Atcount is delinquent (latll chlrgel. If you requesl capil!1 0' billingstalemenls Ihlt wer,'inl sene 10 you rmtl thin Ihrel monthslll16er. WI may
margl a h.ndlng IH of 12.00 lor lIlch copy.
Dlr.ulL You wi b.1n dellull: II you were nol eligibll lor Ihl Attaunt at the tar. it was opened: if you la~ 10 cOrT1lly wilh Iny pall ollhis Agleemenl: if any Inlotmltion you glVa us praVl!1
to b.InCOrT1llell at Ialsa: upon your death. blnkruplCY. at insolvency; if you lail 10 p'y olher debts when due: II a bankruplcy pelilion is filed by or aglinn you: at II w. believe in good flilh
that you nIIY nol PlY ar perfonn Jour ob6g'lions under this Agreemenl. Cn your dafault WI rillY, wilhaut funher demand or nolln. cancet yout credit privileglls. decllrl your Account b.llnn
imnadlaltfy du.and payable. .nd IfIllake Iny remedy WI may have. In Ihl Ivent 01 your del.ull, Ihl oUISIBnding blllnce on your Account shaU canlinue 10 ICtnlll inlertst at th. APRtsl disclosed
in thl FlunCl Charll section ollhis AgrtllTet1t. "en it w. hl'f'l sued you to COPKI th. amount you aWl.
Cradle Unt. Yaur credillinlls s:ptcified from lime 10 lime in a uparate nalite. We may malllsa or decrease your credit Une based on in'ormalian wa oblain ham you or your credit records.
Your lVaillbll uedit Is nonnaPy the difference belWeen your tredil rtne and your Attaunt balance Gntludlng Itansactions made or aUlhorized but noe yel posl.dl. You will nal use your Attount
far. and WI may re'use to hona" any lrlnsactian which wauld nusI you to !Jceed your lVaalble credil.
Pramlu to Pay. You ptOrriSI 10 pay us when dUI aU amounls borrowed when you 0' someone elsa us. your AtCOunl (eveR j( Ihl .rmunt charged uueds your pemissionl. Id olher lransactions
and charges 10 your Atcounl. and toUeclian COIlS w. incur induding. but nallirrited 10. felSan.ble ,"omey's 'eu Ind tourt calfs. III you win tha suit. we wiP pay you, re.sonlbll attorney's
flU .nd court tasls.)
Cb.nga. WI nil' dlangllny put allhis Agreemenl or .dd or r!mOv, requirements Iller notlcl as requirtd by Ilw. II we chlngl Ihe Rnanea ChlrglS section allhis Agreemenl. the new
rlRlnC'I chargl cakulalion wiI apply to your wholl Attcunl blllnu from Ihl effective dati at the chlngll. whether at nal Ihl blllnce includes Ilems DOSted 10 VOUt Account blforl the chlnql
~ aM whlthtr or nOI you confinue 10 usa the ACCQunt.
ClDClIf.don of Account. AI any time Ifter 111..st 30 dlys notiel to you. or wilhout notice if perrriUad by Ilw. WI may cancel thl Accounland your aedil pririeglS. II your Account is
anctIIed, finant. char;.s and olhw IHs will conlinul 10 bl ISSlssed, plyments will canltnullo b. du.. and al other Ipp6cablt provisions ollhis Agrtl!ml!nl wiD remain In Ilfecl. You may
anCII your credit pri'liftgu by nOlifying UI in writing' Ind paying your tRlitl stalenwnt ballnn by thl plymenl due dall an thl stllemenl which indudls your nrlll checks. cash .dvanctJ.
charges. Ind fau. Your cttdit privilegu wiI bl Clnttlfed and no additional rlflanCl chlrges wiD b. ~ostd. If your credil priYill'ges Irl clnnUed you may no langer wrile thecks an your
Acaiunl. and yau should dlstroy Iny unused chKks WI han issued 10 you.
Plrsan.llnfannlldon: Dotum.nts. You wiD gill. us II leasl 10 dlYs nallca if you chlngl xour nlme. hornt or lNiUn~ address' telephana nurmltJ, or job. You will pro~11y gilll us infctmldon
.boul your r.,lncillllflirs iI WI ask far II. WIINY gll sum inlormatian ham others, intludlRg credit reponing agenDas. Ind provide your addraulnd lRformltian ,Jboul your Account to othas.
WI",,! also shirl such infannallon with our affiliatas. If yau tl~ 10 fulfllllny of your obllgllions under this Agrmnenl. I negllivl atdlt report re!letting on yaural!dil reca,d mlY bl subniued
tll crtdltltpani1g l!lentilS.
CUstom., S.mcI: Unluthorlnd Un. loss. or Thlfl 0' Chicks. You wiU Slfevulld ID chlltks ISSlJed to you from Ihllt. II you discover or SUSPICt that Iny unused chICks .,lloSI or Slolln.
or lhll there may b.,Jn unaulhorized UlnSlctiGn an your Atcounl. you wiD nolify us prolT'CJlty by telephoning 1.800.964-9212. You will.phone.1V1fl though you may nOllfy us In wrillng. sa
WI can acl IISIIO IIrrilloSSls andiabiilY. If you repan or we susoecl unaulhorized USI 01 you, Accounl. wa may suSDend your credil p,iYiltges unlil WI "SGlvl Ihl problem 10 our Sllisfaction
To iqIron customer seniti and security. you Igrel thlt yout CIIls may bl manilored ar 'ecolded.
Slap Paymlnt Ordlrs. If you wish III SIOIl plynwnt an iI dleck. you may sltld usa SlOp paymtnt order by wriling to us at our Iddrlulo, CUS10mer strtiCl 6sttd on yaut bill You can make
. stop plynwu ordll arlDy by caRing Ihl nuntll' tisled an your slatemenl. When you mak. a stop plyment order. you rfIISI proml your AttaUnl nurmar and ~lCmc information IboUllhl
chICk: t1\1 UKt Irmunt. the dltl an Ihl chICk. Ih, name 01 Ihl p.rrt 10 whom it WIS plyabll, Ih, nama 0' Ih, persan 'Nho siQned II. Ind Ihl thICk nunC.. You will b. .skld to conrrm
an Dill stop Plymetll order in writing. We mlY dist!!Jlrd your orll o,der if w. do nal tKll'Il I siclned writren conflfl'Nlllon wilhin IWO Wilks Itllt' Ihl o,a1 otdlt or 11 you hlVI notldequatefy
dlscribed Ihlitem sa Ihll ply.,.t cln b. stapped by our CO"llUllf. (h. ardlt will nOI bl .1IettlVI II Ihl thick Wit plld by us bllorl WI hid a ,usanlble apponunity to Icl an Ihl ordlt.
WI mey, Wilhoul Ulbilily, diUlglld . wriuen uop plyment o,du lis rmnlhs Iller rlCeipt untass it is renlwlld in wrillng.
Sundard 01 Cart. Transudens in your Aa:aunl will bl procasstd nwdtlnicaUy wilhaul our nK'11I'~y "viewing evert iltm. Our prot.ssing syslem wiD call aut IIlenlion 10 unaln ilems
which wa W'I IJarrinl. W. 'MIl ulrrana all Iran.uctions whan you report Ihll your chICks hnl bun 1011 0' nolen. WI do nOI inlend ordinlnfy 10 aunin..~ items. and WI will nor bl ntglilJlnt
if WI da nol do so. This rull IJUb6st1n tha Ulndard of a,dinlry tall which WI in goad 'ailh willul!tcisa in ac1ninlslering your Atcount. Blnus, of our Uniled 'hi.w. Ind b.Clus. YOut
cantlBed chICks wiU nOI b. ratulnld to you with Ihl monlhly Slalenwnl, you shoul4 b. ClrefullO enter III thlCks in your theck regisler 0' Olhl!tWise keep I recold ollham. You lar.. 10 thICIc
vout rnanlhtv S1IltmtlIrs loainsl .,our reco,d Ind ro natifv us Olomenlv a. Iny unlulharited trlnsurions or trlors.
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COIHIOlIWEM.TII OF PEllIlc;'JLVAII.lA:
COUlITY OF CUMUEIlLAliI)
PROVIDlIIN IIATIOIIAL SAtIi':
V5.
GAI5KI I\ARIN 5
TREVOR KEIIT , Sh~riff or Deputy Sheriff of
CUMBERLAND County, Pennsylvania, who being duly Dworn according
to law. saye. the within CmlF'LAIIIT
upon GAISI\I KARIN 5
defendant, at 1540: 00 HOURS. on the 2nd day of F>~bruarY
1998 at 2913 GLENWOOD ROAD
CAMP HILL, PA 17011
was served
the:
, CUtlBERLAND
KOCHENOUR, A(JULT SISTER-
County, Pennsylvania, by handing to CAROL
III-LAW OF DEFT
a true and attested copy of the COMPLAINT
together with NOTICE
and at the same time directing 1I>.:>r attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So anE:w~r"/ ~
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18,00
8.58
.00
:::.00
R. 1 homas hll.ne, ::>ill?rl.f1
$~e.be MELVYII MANTZ
02/04/1998
b Y ~I)( If:.."f"
Deputy :o.hen.II
Sworrl and subDcrib~d to b~for.e ,ne
this -L dui' of _~
19 9_1_ ,\. [~I'
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JOEL STEINMAN, ESQUIRE
Attorney I,D, #62042
MELVYN S MANTZ & ASSOCIATES, P,C,
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK CUMBERLAND COUNTY
Plaintiff COURT OF COMMON PLEAS
VS
KARIN S, GAISKI
Defendant
NO. 98-533 CIVIL
VERIFICATION OF NON-MILITARY SERVICE
Joel Steinman, Esquire, being duly sworn according to law, deposes
and says that he will make this affidavit on behalf of the within
Plaintiff, being fully authorized to do so, and that to the best of his
knowledge, he believes and therefore avers, that Karin S. Gaiski,
Defendant, is over 21 years of age; that his/her place of residence is
located at 2913 Glenwood Road Camp Hill, PA 17011, and that he/she is
employed and that he/she is not in the Military of Naval Service of the
United States or its Allies or otherwise with in the provisions of the
Soldiers and Sailor Civil Relief Act of Congress of 1940 and its
amendments.
Joel Steinman, Esquire, further understands that false statements
made herein are subject to the penalties of 18 Pa.C,S., Section 4904,
relating to unsworn falsification to au orities,
INMAN, ESQUIRE
ATTORNEY FOR PLAINTIFF
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED
THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT A DEBT,
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
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