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HomeMy WebLinkAbout98-00778 . f" " ~ " < .~ ... , ~ ,', .', Q , ~~ I" " " " -l. ~ ...... " ~ ~ ..... ~ .0 ~ ~ ~ .~ ~ \ \ , ) ) I / / / ( .... ~ ........ ... ~ ~ 0... t-.. ~ . . . ~ 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 DAVID E. MELLOT Defendant NO. fS~ 77 r Cl~ NOT ICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a jUdgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for other claims or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE 'l'HIS 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. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 .... .~ RECEIVED DJ:'r, 1 n UJ~I MELVYN S MANTZ & ASSOCIATES \' ,.,",', !.~ . I:.'. I' '~I ,\ .'~PROVIDIAN HIIIlt/dol Providian Nalianll Dllnk VI5A" Account Account Agroement IOf David E. Mellol Your Puivldiln Nallona' Bank VISA Of VISA Gold Iccount (the "AccDunl"lllltows YOll 10 make pUlchasBS by using YOUI VISA cl'd llho "Card'" wherever Ills honoted .nd 10 gill c.sh advances frorn us or any olher parUcipaling fin6nciallnslilUlion. Convenience chocks IlllIl also be provided 10 you 8S an eddiHonal way 10 use Ihe Account. In Ihls AgllllHoont. .you" and "you,. meln each penon 101 whom we hi" opened. credit cald Accounl. "We,. "our: .ours," Bod "us mean Pfovidian Halloolll OInk. 01 its luignllel. 1I1111ed on your billing slalemenl. You may nol be ebglble for In ACeDU"1 II you or I member 01 your household .Iready hllVI. credit Iccounl wilh Firsl Deposit National Dank 0' Providian National Bank. Tho Accounll1lllY be used only lot pl!ISonal. falrily. housohold. and chllilable purposes. Ind not for Iny business Dr COlM1ercial purpose. You and we eglee as lollows: Plymlnll. You will.eceive I monlhly slatement showing your oUlslanding balance. You will pay us In U.S. dollm (checks rI1Jsl be payablo ala U,S. ollice of Ihe bank Ihe check's drawn onllllolSl Ihl paymenl dUllS shown on your slalemenl by Ihe paymenl dua dale In accordance wilh paymcntlnstruclions on your monthly slalemen!. You may not use your convenience checks 10 make raymnnts on your Account or 10 INlke paymenls on any olhor .ccounl you havo with us or out alflliales. The paYfN!nl due WIll be; 2% ollhl new balance shown on YOUI sl.lemenl plus thllmounl 0 Iny Pill due paymenl, rlus the amounl by which the new balance luceeds your crcdllline, plus loes lor cerlain optional services. However, Ihe payment due will nol bu less Ihan 115 funless your naw balance Is less than' 5. In which case Ihe paymenl due will be the lmaunlollhl new. balancol. We may require I higher ninilfllm paymenlll your Accounlls plSt dUI or abovllhe ctedilline, bul WI will nOllfy you belore doing so. II your paymenlls more Ihan lhe payment due. It Will be Healed IS . singte paymenl and nono 0111 will be applied to luture paymenu due. We may Icceptlale Of patllal paymenls. or paymenu marked -paid In full- Ot marked wilh other restrictions, wilhoullosing our tiOhlto cotlect all amounls owing under Ihls Agreemenl. FlnlOu ChUD", ElCopt as described In the Grlcl Perled fat Putch.... seclion 01 1I1is Agreemenl, linanco charges begin 10 accrue on a debit when Ills Included In one 01 YOUt daily balances and conllnut unlillhat balance Is reduced by a payment Ot ctedit. Your accounl has thtell daily balances: Ihe Purchase Balance. which conum 01 purchases IOU make wilh your Card: Ihe Cuslom Cash Advance Dalance. which conusts 01 unsecured credll card balances Ihal YOU Iransrer 10 your Accounl using balance Uan.let checkS and balances that wo trans er for you during Ihe accounl opemng procou; and i1iitiih Advance Balance which consisls of all olher Clsh advances. Any paymenl amounl we .eceive Ihat olceeds Ihe linance chalges and fees then dUB willliut reduce Ihe remaining PulchasB Bllance, and then, lithe Purch'SI Balance Is lero. w~1 roduce Ihe remaining Cuslom Cash Ad'l.nce BRlance.and Ihen.lllhe Cuslom Cuh Advance Balance Is lero. will reduce Ihl llmaininQ Cash Advance Balance. The Purchase, Cuslom Cash Advance. and Cash Advance Balances are leduced by paymenu as ollho dlle lDCeived, .nd by crediU (elCllpt fat reversals ollale. over.limit. .nd mscellaneous chergnlas 01 the date posted. Purchases all Included In your PUlChase Balance IS ollhe dale made. CUSlom cash advances are Included in your CUSlom Cash Advance Dalancl as lollows: lunds electronically Itansnilled 10 other lenders to Itansfer balances. as of the dalellansnilled: checks 10 transler balances IS ollhe date presenled 10 us. Olher cash ad'lances arl Included In your Cash Advance Balance IS follows: cash advances ham other linenc/al inSlilulions and Ihlough AUlomated Tellers. IS ollhe dale made: funds electronically transmilled, IS ollhe dale transrrilted; cash advance chlds made payable 10 you Ihllarl Identified as cashier's checks Ihal we mail 10 you al your requesl. as of seven dlls afler the date we prinl on the check; all other checks. Including convenience checks. .s 01 the date prllSented 10 us. Other debits (ercepl for lale, over.limil. linance, and miscellaneous charges) all inc uded in your Purchase. Custom Cash Ad'lance. or Cash Advance DalancelS 01 the dale posted. Finance charges Ire added 10 your Purchase. Cuslom Cash Advance, and Cash Advance Dalances each day and are then posled on Ihelasl day of Ihe billing cycle. Therlls no period wilhin which CUSlom clsh ad'lancllS or olhelcash ad'lancesmay ba repaid wilhoutlncuning IfinancechelOB. To figure the daily finance charge 'Ot purchases, the daily linance charge lor cuSlom cash advances, and the daily finance chargl lor other cash advances. we slaU wllh your previous day's Purchase Balance. Cuslom Cash Advance Balance, Ind Cash Advanco Balance. add all debits and subtract all credils for Ihe current day 10 the applicable Balance (IS Ilpllined in the paragraph aboveland 1TlJlllply the nelamount by the applicable da~y periodic "Ie !sea lollowing paragraphsl. The finance chalge lor purchases Is Ihen added 10 and included In thai day's Purchase Balance. the linance charge fat custom cash ad'lances Is then added 10 and Included In that day's Cuslom Cash Advance Balance. and Ihe finance charge for olher cash advances 1.1I1en .dded 10 and Included in Ihat day's Cash Advance Balance. Welteal a credit balance lor any day as lero. We delernine Ihelolallinance charges for the billing cycle by adding logelher the finance charge lor purchases for each day within the billing cycle. Ihe finance charga fat cuslom cash .dvances lor each day wilhin the billing cycle. and Iho finance charge lor OlhOl' cash advances lor each day within the billing cycle. In calculaling finance charges. an adjuslment will be made for any transaction Ot paymenllhat would have aflecled Ihe linance charge calculalion in a prior billing cycle had it been pOSled in Ihat cycle. The applicable daily periOdic rate for such a transaclion will ba the rale in eflecl for the cutrent billing cycle ralher Ihan the rale in effect on Ihe dalo ollhe lIansaclion. The balance amounts shown on your Slalement may differ from the Purchasa, Custom Cash Advance. and Cash Advance Balances used in cOlJ1luting linance charges, because Ihe Purchase. Cuslom Cash Advance. and Cash Advance Balances do nol include any late. over.linil, or rriscellaneous charges which are included in Iho balances shown on your slalemenl. The term -Prime Aate- a. used in Ihis Agreem6nl means the higheu primo rale publis~ed in The WIll Street Journll on the lirst business day ollhe previous calendar month. Any increase or decrease in Iho APA will take Ilfect on the fitsl i1ay 01 your billinp cycle and may lIISull in a slight increase or decrease in the amounl 01 your mnuTlJm payment. We reserve the righllo change Ihe anntfal percentage rale Cltculalions if you do not comply wilh Ihls agreemenl. The ANNUAL PERCENTAGE RATE rAPR'"lor purchases is 0% for Ihelitslthree monthly billing cycles that your Accounl is open. This cOIJosponds 10 a daily periodic fale of 0%. Afler the Inltoductory period. YOUt APR for purchases will be detenrined as lollows: You can allango 10 have a variable APR which is lower than Ihe lowest non.inlloduclory APA you are paying on any 01 your other credil card accounlS. This APR is available only if you provida proof. in Ihe lorm of copies of your most .ecenl billing statemenl. showing your other non.inUoductory APR. Your new APR will lake ellecl at the beginning of Ihe billing cyclelollo'tllOg our review 01 your proof. IHowever. this change will not lake elfecl belorelhe conclusion ollhe Ihree billing cycle introductory period,1 If we do not teceive such proal. YOUt APR for purchases win be as follows: Your APR lor purchases will vary and may be adjusled each blUing cycle up 10 7.65% above p,ime Rate. Using Ihis forlTlfla. the APR fOI purchases in the April 1996 billing cycle would ha'le been 15.90%. corresponding 10 a daily periodic rale 01 0,04356%. and you, APR for purchases will not go below 15,90%. Tha ANNUAL PERCENTAGE RATE lor cuslom cash advances Is 0% for the firsl three monthly billing cycles Ihat your Account Is open. This corresponds 10 a daily periodic rail 01 0%. Afler Ihe inUoduclory plfiod. your APR lor custom cash advances will be deternined as lollows: You can anangD to have a variable APR which Is lower Ihan Ihe avelage non.introductory APR on Ihe lolal balllnces you have transferred from othN' credil card Iccounts. provided your olher accounts were open atlhe lime you or,ened this Accounl. This APR is available only if you provide proal. in Ihe lorm of copies of your mosl recenl bilting statemenlS. showing Ihe non.inUoduclory APR. fOI all the balances you have trans ened. Your new APR will take IIIecl at the beginning 01 the billing cycle following OUI f8~Iew of your proof. IHoWIVDf. Ihis change will nollake ellecl berole the conclusion of Ihe three billing cycle introduclory period.1 If we do nol receivo such prnof. your APR lot cuslom cash advances win be IS follows: Using this 10rlTlJla. the APR lor cuslom cash advances in Ihe Aplil 1996 billing cycle would have ~een 21.90%. cortllSponding to a daily periodic rale 01 0,06000". and your APR for cuslom cash advances will nol go below 21.90%. The ANNUAL PERCENTAGE RATE for cash advances is 21.90%, corresponding 10 a daily periodic tale of 0.06000%. To delerrrine the average daily balanco shown on your slalelJ'.enllor purchases. add each day's Purchase Balance fincluding daily finance chergel in the billing cycle and divide by Ihe nurm8t of days in the billing cycle. To determine thl average daily balance shown on your slatement for cuslom cash advances. add each day's Custom Cash Advance Balance flncluding daily finance chllge) in Ihe billing cycle and dIvide by Iho nunter 01 days in the billing cycle. To delerrrine Ihe ilverage daily balance shown on yout stalement lot cash advances. edd each day's Cash Advance Balance flncluding daily finance chllgel in Ihe billillg cycle and divide by Ihe nunter 01 days in the billing cycle. You can roolliply each allhue average daily balances by Ihe number 01 days in the biJIing cycle and by Ihe applicable daily periodic rale 10 obtaIn subtolals. and Ihen add the Ihree sublolels logelher 10 delernine the tolal amount 01 your hnance charges lor the billing cycle. GIICI Period for Putchases. New purchases posled 10 your Account in billing cycles when the previous balance was lero. Dr when the previous balance was lully paid during the cycle. do not begin 10 Incur a finance charge untillhe start 01 the nell billing cycle. You can avoid any linance charge on such new purchases if you pay the lolal new balance in full by the paymenl due dale shown on your stalemenl. New purchases posted in any olher billing cyclo incur a finance charge from the date the purchua was made and there is no period in which such purchases may be repaid wilhout incurring a linance charge. There Is no period in which custom cash advances or olher cash advances may be repeid withoUI incurring a linance charge. Fee.. We will chargl your Account up 10 $18 for: each Card you ask us 10 replace: each returned payment check: each check you wrile on your Accounllhal we telum unpaid; each SlOp paymenl order or renewal of such an order: each bilfing cycle within which your Accounl is delinquent Pate chargel; and oach billing cycle wilhin which your balance elceeds your credil fine. If you reque.t copies 01 billing slalemenls that were fiut senl 10 you morl than three months earliel. wo may charge a handling 'ee of .2 for each such copy. De',ult You will be in defaull: II you were not eligible for the Accounl at the lime it was opened: if you laillo comply wilh any part 01 this Agreement: if any Inlormalion you galle us proves 10 be Incoll1llete or lalse: upon yout dealh. bankruplcy. Dr inSOlvency; if you laillo pay other deb Is when due; if a bankruptcr pelition is hied by 01 against you: or if we believe in good failh thai you may nol payor perform your obligations under this Agreement. On your delault we may. wilhout lu/ther demand or nOlice. cance your credil privileges. declare your Accounl balance irrmedialely due and payable. and Invoke any .emed~ we may have. In Iha event of your de faull, Ihe outslanding balanco on your Accounl shell conlinue to accrue inlerest atlhe APRIsI disclosed in Ihe Finance Charges seCllon of Ihis Agreement. even II we have sued you 10 collecI the amount you owe. Cn.dlt lInl. Your credilline is ~Icilied horn lime 10 lime in a separate nOlice. We may increase or decrease your credit line based on inlormalion we oblained from you or your credil records. Vou. .vadable credills normally the dillerence between your credit linl and your Accounl balance flncluding uansaclions made or aUlhorized bUI nol yet postedl. For certain cash advances. available r.redil may be less. You will not use your Account lor, and we may reluse 10 honor. any transaction which would cause you to elceed your available credil. Ptoml.eto PlY. You pronise to pay us when due all amounts borrowed when you or someone else use your Accounlleven i1lhe amount charged 81ceeds your perrrissionl, all olher transaclions and charges to your Accounl, and collection costs we incur including. but nollimiled 10. reasonable allomey's fees and coull co.ts. (11 you win Ihe SUit. we will pa . urt cosl..1 Chlnges. Wa may change any pall of this Ag/eementor add or remove requilemenls aller nolice as tequired by IdW. II we change Ihe Finance Charges sectio calculati~n will apply to YOUt whole Account balance ham Ihe ellective dale ollhe change, whelhel or not the balance includes Items posted 10 your Accounl you conUnue to uselha Account. .. , EXHIBIT I ':,'~:'>'\'::':;'; ~: 5637 David e, Mellot P15,9CV I CC21.90F I C21.90F '. , . Forllgn hchlnlll/CuUlncy Conl/lr,lon. If you USI your Cllld 10f II.nsactionl In It curllmcy othor IhllA U.S. dotl,m, tho IrllllSlIclions will be conwllfUld 10 U,S. dollau. generally using eilhe,' a iii governmenl.mandllld filial fii! wholesale malkol rail in ellllcl1l1o d.y belorlllho Irans.clio" plDCent"g dalll. inc,eased by Dnll pl!fCllnll1%l. n I Cllldltl. .SI,lbsequlIlIIlr given lor II lI,nlle,Uon, 11 ~III · decllued by on, pIIIClnlll"l. IIlhe credil has. dl""IIO' processing dall.lhen 1I1'IIIch8ngl 'ale ollha cledl' can bll grllllU,nllU Ihan 11111 ollho 01101"111 II.nJlcllon. The tu"ency COnl/l!ISlan, r.le on Ihl day belol. the lrensaClion ploclluing dele may dill" 110m lhll 'lie in ellecl IIIhllllm8 01 1/11 IIlnuclion Dr on Iha dlllllho lunmlion II pOlled on your ^ccounl. You aU/te 10 acupl Ihe converted amounlln U.S. dollars. Th, Card; Clnulllllon. You willlllluln Ihe Card 10 us II our rllqlulsl. The Card erpirlls allho end ollhe 1110/1111 sllown on it. We have Ihe righl nollo !enl!w Ihe Clld. AI an~ lime aUlIr all.1I1S1 30 dl~s nOlice to ~ou. or wi,lhoul nOlic.lI pemilled b~ law. we may uncellhe Card .nd ~our credll privileges. /I your Card is canutted or nol renllwed, Itnence thalUlIS and olher lel~ Will conlmue to be assessed. pa~menlS will canlinu. 10 b. due, and .11 Olht!' applicable provisions allhis Agllllllnenl Will relMin in IIlllltt. You may cancel your ttlldll privdegllS b~ notil~ing us In wrlling. relurnlng lh, Cardfsl to us cut In hall. and pa~ln9 your entire slalemenl, balance b~ Ihe faymenl due dlle on Ihe slalemenl which Includes your hnal pUlchullS, cash advances. charges. Ind fees. Your credit privileges will bl cancelled and no addillonlllinlnce charollS will be IfT1losed. I we clncel or do nol renew Ihe Clld. or il you IlIrminltl your ttedil privileges, you may no longer wrill checks on ~our Account. Ind you should destroy In~ unused thecks we hIVe Issued 10 you. Plllllnlllnformltlon: Document.. You will give us Illeut 10 days noUcell you change your name, home or mailing addtess, lelephone nurmeu, or job. You win prolf1lll~ give us Inlormatlon IboUI your financlll afllin II waask for iI. Wa ma~ gel such Inloln\llion Irom olhers, mtludlOg tredil repolling agencies. and provide your add/au and Inlormalion aboul your Account 10 olhers. ~e ma~ Ilso Shlle such Information with our alldiallS. If you lalllo fulfill any 01 YOUl obligltions under Ihis Ag/eemenl. I neualive credil report rellecling on your credil record ma~ be submilled 10 credit ,eporling agencies. Cuttom,r Slrvlcl; Unlulhorllld Uu. lOll. or Th.1I of Ch.d, or the Card. Each Card fOOsl be signed on receipt. You will safeguard Ihl Card. your peuonalldenlllicllion nurmer Iwhich provides 'CCIlS 10 AUlomaled Teller Machinesl. Ind 3ny theds issued 10 you Itom lhell. You WIll hep your personalldentlhcllion nurmcr separate Irom your Card. II you discover or suspecllhat Iha Card or Iny unused checks a18 lost or slolen. or that Ihere ma~ be an unautholllld IranSlction on your Accounl. YOll wilt no lily us pro",U~ by telephoning 1.800.933.7221. You will phone. even lhough you mI~ notily us In writing, so w. cln ICt fast 10 limillosses Ind liabilily. Your liability lor unlulhotired use occurring before you nolity us Is liniled to $50. II you report or we suspecI unauthorbed use at your ACtOunl, w. ma~ suspend your credit privilegu unlil we 'esolve the problem 10 our salisllclion or Issue you I new Clrd. II your Clrd Is losl or slolen. you will prolf1llly destroy III checks In your poss,sslon. To I",rove cuslomer service and securily. you Igree Ihal YOUt calls may be monilored or recorded. Mllch.nl R.lltlons. We will not be liabl.If any person or AUlomated Teller M.chine ,eluses 10 honor Ihe Card or accepl your checks. or flils 10 return Ihe Card 10 you. We haVl no ruponsibililY fa, goods Ind services putchued with Ihe Card or checks eacept IS requited b~ Ilw. ISee Special Rule below.1 Cerlain benefilS lhllare available wilh the Account are provided by Ihird.party vendors. WI Ire not r.sponsible lor Ihe quelil~. availabililY. or resulU of Iny ollhe services you choose 10 use. Slop P.ymlnl Ordlll. If you wish 10 stop plymenl on I theck. you ma~ send us a Slap plyment ordllf by wriling 10 us at our Iddress lor cuslomer service lisled on your bill. You c.n make a Slap p.yment order orall~ by cllllOg Ihe nUrOOer listed on your stalemenl. When you make I step paymenl order. you IOOst provide your Accounl nurmer and specific Information aboullhe theck: th. ,ucl .mounl. Ihe dale on Ihe check. the nlme ollhe party 10 whom it was payabl.. Ihl name of th. person who signed II. and the theck nurmer. You will be asked 10 confirm In orll Slap plymenl order In wrlling. WI may distegard your oral order II we do nol receive I signed wrillen confirmation within two weeks .fler Ihe orll order or iI you hive nOlldequltel~ descrihed Ihe item so Ihll plyment can be stopped by our co""uler. The order will not be .1Ieell" If Ihe check wu paid by us before we had a reasonable opportunilY 10 ICI on Ihe order. We ma~. wilhoullilbilily. distegafd I wrillen Slap p.~ment order sil monlhs Ifler receipt unless Ills renewed In writing. Stlndard of Carl. Becluse Ihis Accounllnvolvu bolh credil card and check transactions which are processed Ihrough separale nlllonal s~slems belolllhe Iranslcllons Irl consolidaled b~ us. Ind beeause nol Ivery check Ind Clrd slip will be senllo us. Iransacllons in your Accounl will be processed mechlnicllly withoUI our necessarily revieWing every item. Our processing syslem will call our 11Ienlion to cert.,n items which we will Iumine. We will eumine alluanSlcllons when you report Ihll your Card or checks have been losl or stolen. We do nOllmend ordinarily to eurrine III ilems. and we will not be negligent If we do not do so. This Iul.lStablishes Ihl slandlrd 01 otdinary tire which WI in good lailh willelereise in administering your Accounl. Becluse 01 our limited review, and bacauJlJ neilher your cancelled checks nor Cerd tranSlclion slips 'hill be relurned 10 you wilh the monthly slatemenl. you should he careful to enler all checks in lour check regisler or olherwls. keep I record ollhem. You should abo Slve ~our credil card cash advance and purchase slips. You agree 10 check YOUf monthly SlatemenlS against your record and to noli y us prolf1lll~ of any unaulhorired transactions orenors. Wllver of Cerl.ln Rights. We may delay or waive enlorcemenl of an~ provision 01 this Agreement withoultosing our right 10 enforce il or any olher provision laler. You waive: Ihe right 10 presentment. demand, prolesl. or nOlice of dishonor; an~ applicable staMe ollimilallons; Ind any righl you may have 10 require us 10 proceed against an~one hefore we sue you. Appllt.bl. hw; Sevlf.blllty; AsslgnmanL No mailer where you live, this Agreemenl and your Accounl are governed by federal law and b~ New Ha""shl18 law. AI any time aller w. deterrrine in good laith thai any proposed or enacted legislation. regulatory aclion. or judicill decision has rendel8d or may render any material provision at Ihis Agreemenl invalid or unenlorceable. or ill1lose eny Increased tll. reporllng requirement. or other hurden in connecllon wilh any such provision Of its enforcemenl. wa may. allet at leuI 30 days nolice to you. or wilhoUI nolice il permitted by I.w. cancel Ihe Clrd and your credil prIVileges and declare your Account halance irrmedialely due and payable. If, any ,provision at Ihis Agreement Is held 10 be Invalid or unenforceable. you and WI will consider Ihat provision modIfied 10 conform 10 applicable law. and the resl ollhe provisions In Ihe Aoreement will sllll be enrorceable. but we will hava Ihe righl to cancel your Account and declare your balance urmedialely due. as provided In the preceding sentence. We may uansfer Of usign our light 10 all or some of YOUf payments. II state law requires that you receive nOllce 01 such an event 10 protect the purchaser or uSlgnee. we may give you such nolice b~ filing a financing slatemenl wilh Ihe stlle's Secrelary of Slale. NoUclI. Olher notices 10 you shall he effeclive when deposited In Ihemail addressed 10 you allhe address shown on our records. unless a longllf nolice period is specified in Ihis Agreemenl or by law, which period shall start upon mailing. NOlic. 10 us shall he mailed 10 aUf address lot cuslomer service on your S1atemenllo( olher addresses we may specilyl and shall be elJeclive when we recBlve it. You, Billing Rights .. Keep This NoUc. lor Fulure Use This nolice conlains I""onanl information aboul your righls and our responsibililies under the Fair Credit Billing Act. Notify UI In Cau of Erroll or OUlltlonl Aboul You, BlII II you Ihink your bill is wrong. or if you need more informalion about In enuy on your bill. wrile us. on a separale sheel. al our address lor cuslomer service lisled on your bill. Wfile to us IS soon as possible. We fTlIS! hear from you no later than 60 da~s afler we senl you Ih. firsl bill on which Ihe eHor orsroblem appeared. You can telephone us. but doing so will not preserve your righls. In your leller. give us Ihe following: .. Your name and Account nurmer. .. The dollar amounl ollhe suspecte error. .. Desctibl Ihe enor and eaplain. II you can why ~ou believe there IS an ellor. II you need more informalion. descrihe Ihe item you are nOI sute about. Your Rights and Our Responsibililies Aller We Receive Your Wrlllen Nolice. We fTlIslacknowledge YOUf lelle, wilhin 30 days, unless we have conected Ihe ellor hy Ihen. Wilhin 90 days. we fOOSt eilher conecllhe etror or eJplain wh~ we believelhe bill was COtract. Alter we receive your leller. we cannol try 10 collect any amount you question. or repOlt you as delinquent. We can continul to bill you tor Ihe amounl you queslion. including linance charges. We cln appl~ an~ unpaid amounl against your credllline. You do nOI have 10 pay any questioned amount while w. afe investigating. bUI you afe slill obligUed 10 pa~ the pafts of your bill thai are not in queslion. If we find thai we made I mislake on your bill. you win nol have 10 pay any linance charge relaled 10 any queslioned amount. II we didn', make a mstake. you may have to pal'inance charges, and you will have 10 make up Ihe mssed paymenls on Ihe queslioned amount. In either case, we will send you a stalemenl ollhlt amounl you owe and Ihe dale Ihat it Is due. II you ail 10 pay Ihe amount we think you owe. WI may report Yl.lU :n delinquent. However. if our "planUion does nol satisly you and you wrile 10 us wilhin 10 days telling us that you slill refuse to pay. we fOOSt lell anyone we report you to Ihat you quesrion YOUf bill. And. we fOOst teU you Ihe name at anyone we reponed you 10. We fTlIst tell an~one we repoll you 10 thatlhe mailer has been setlled belween us when il finally Is. II we don'llollow these rules. we can't collectlhe firsl $50 ollhe queslioned amount. even if YOUf bill was corrett. Sp.clal Rule fo, Credit Card Purchlses II you have a problem wilh Ihe qualily ollhe goods or services Ihat you purchued wilh our credil card and you have tried in good faith 10 correcllhe problem wilh Ihe merchant. you ma~ nOI have 10 pa~ tho remaining amount due on Ihe goods or services. There are lwo limitations on Ihls right: lal you rooSl hava made Ihe purchase in your home S1ale. or if nol within your home stale. within 100 miles 01 your cunent maUing address; and (blthe purchase price fTlISI have been more Ihan $50. Thuelimilalions do nol apply if we own or operale Ihe merchant. or if we mailed you Ihe advertisement lor the propetly or services. 5537 David e, Mell" PI5,90V I CC21.90F I C21.90F RECEIVED ,IAN 1 R 1998 MELVYN ~ ASSO~,~~f.1"r7 ~Q~ ~ ~ .,. ~ ~ -...j i" - C> ~ ..c-- ~ <...).J \.>J - ~u ~ d ~ ~ ~\ (), ~ \ /;:' , i' I " ' I t ( ~! I , I i I I i , ' " @ , i1 I I . .~ (. " \ j ro,' rJl!- (, 1 1 I 0 ,0 0 c: L'O ::: -n ." "'Oi.::.i r'1 :t:n rrl\11 z:::n co ," zr' I -:'\Ti (.,.-"... ID db -,-... r.:b -0 .,. ~;o :x -:r::B ,,"0 00 ;pc: - 5.... .. ~ ,"" ~ - "< I' U 1)\'1' I " ::; 'i, :q t"',' ~)t: ~......... "" \' -.J \....v t;-- ~ Q t ~ ~ _, f) ::~ ~':~ 'I ~I ~ ~~~ r ~ ~ ~~ ~ r" '"' ~ ~ ~ r ~ 'J :., , -"~on " :; -.r.-:) 'I,!.., , ~.. 1 '1 :_~.~ 'c . ~ Ii 1 >", C", "',"T '.. " ;~ >! ()l .... ,-, , , -- , , ~ .-"' l , ) 'I' r J }.; ,1:,"4 '( , I ,;~ , i 1 : Ii , :, I ( , ~l i \ ' I \ ".r i , ~" '1