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10. During the time period of May 1996 through February 1997,
Iddings forged 124 check from account number 510015902 in the
amount of $61,340.28.
11. The total amount of checks forged by Iddings from both
accounts during the revelant time period was $78,788.97.
12. On April 21, 1997, May 27, 1997 and June 20, 1997,
Reynolds & Havas gave written notice to Commerce Bank of the forged
signatures on the Reynolds & Havas accounts with Commerce Bank.
13. On or about July 28, 1997, pursuant to its obligations
under the insurance policy and as a consequence of Iddings'
fraudulent acts, Travelers made payment of Reynolds & Havas in the
amount of $104,134.97 (the payment included losses for the
fraudulent acts of Iddings which are not the subject of this
complaint) and by virtue of the payment, Travelers is equitably and
legally subrogated to the extent of the payment to Reynolds & Havas
and the rights of Reynolds & Havas arising out of and related to
Iddings' fraudulent acts.
14. In exchange for Travelers' payment under the insurance
policy, Reynolds & Havas assigned to Travelers the claims asserted
herein. A copy of the Assignment is attached hereto as Exhibit A.
15. In accordance with the deposit agreement which Reynolds
& Havas had with Commerce Bank, Commerce B;lnk was permitted to
charge against the account of Reynolds & Havas only those checks
which were properly payable checks drawn on the accounts.
16. Commerce Bank breached the deposit agreement by charging
the checks against Reynolds & Havas' accounts.
17. The checks were not properly payable because they
contained the forged signature of Rolf Kroll.
18. Reynolds & Havas performed all conditions precedent in
its deposit agreement with Commerce Uank.
19. Commerce Bank's breach of contract caused Reynolds &
Havas to suffer damages.
WHEREFORE, Plaintiff, Travelers and Casualty Insurance Company
of America f /k/ a Aetna Casua 1 ty and Surety Company of Amer ica,
prays for judgment in its favor and against Defendant, Commerce
Bank/HarriSburg, N.A., in the amount of $78,788.97.
KRAFT & KRAFT, P.C.
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BY:J.d ,(< ,I ( L IlL '<-<.-v-::;y
Robert E. Cherwony, Esquir
Attorney for Plaintiff .
Dated:
!t~i1- if'"
Of Counsel:
Harvey R. Herman
CLAUSEN MILLER P.C.
10 South LaSalle Street
Chicago, IL 60603-1098
312/855-1010
Attorneys for plaintiff, Travelers casualty and surety company
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KRAFT & KRAF r, 1',1:
BY
Esquire
RODER'!' E. CIIERWONY,
oUL'4'tfl""'" P.. 1'/62 J
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11115F'fWU: '1,lfll'
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TRAVELERS CASUALTY AND SURETY
COMPANY OF AMERICA t/k/a AETNA
CASUALTY AND SUIlETY COMPANY OF
AMERICA
IIAIlTFORD, CT
YO.
COMMERCE DANK/IIARRISDURO,
NATIONAL ASSOCIATION
100 SENATE AVENUE
CAMP lULL, PA 17011
Plaintiff(s)
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COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION AT LAW
NO, 9 r- L,/7l,
CIVIL ACTION COMPLAINT
"NO'l'lel':
"You 11.1\" 11"1'11 ~llt'd If! C'lurt II rOll ",'Ish to dcr~nd
a~aJfl~l till' cl,IlIIl" ~,l'l forti 1 III till' foll,1WIIII!: Pllt(l'S, you must
1.4111.1' ,1l'11011l WI{lllll (",'llIy (~Ul d.l~', aflt'r this complaint and
notIC" ,1(" '11'1'\ 1'.1, tJ~' l'!lII'rIJlI~ .1 V.r1Ui'1I ap'/f'aram:e pt.:'rsonally
nr llr ,nil/rill.... .mil (IIUlI( III \Hlllr:1.{ wllh Uw court your de.
fl'ltw', Ilf "IIJ'" ':'Jlll lfllth' d,I1I11'" ,l't forU\ ,I.:alrlsl you You art.'
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Y'JlI ,11111 ,I )lllll(1I11'III 111,1~ I",. "l1ll'f,'1/ a~.lIl\st you by Ull' court
"'l!JIIIIII lllnj\l'!' 11.111, t' 1'1/1I1)' 1Il001H'V ('Lllllwd In thl' cornpl.:unt
'If ldf ,lny "tll"r d.WlI Ilr rC'jwl I'l'ql;l..,tl'd by tIll' pliunllJT. You
111.1. Ill.,' ,,;,,0"\ Ilf prllp"II~ qr ,)II1l'r rl~hL" IIIlP'Jrl;ult to YIIU.
"YOI' 'dllll I,ll TAI';E TillS P,.\PEll TO YOL'H LAWVER
XI' ll~;n: W Ylll: Ilo .';O'!' 11.-\\'10: A LAWYER OR CA~.
~()'[' .WI:/lHIJ q~H:, 1;0 To OJ{ 'ITLEPllONE THE OFFICE
~il-:T t:OHTlI 111<l.lm' 1'0 Fl~JI) OCT WHERE YOU C.-\.~
I;I-:!' l.I<t;,O\I.IWl.l1
l~nllrt. T\dmlnlottOator
CllUfl, 110\100, 4th Floor
1 Cl)U I" t lIou no Squ are
r:,Irllulo, VA 17013
"AVlSO
"Le hun demandado a usted en la corte. Si usted quiere
dt'fendersc de estas demandas expueSlaS en las paginas
siguientes. ustcd tiene vcinte (201 dias de plazo 31 partir de
In. lecha de la demanda y la notificacicin. Hace lalla asentar
una comparencia escnt.a 0 en persona 0 con un abogada y
entrcgar a la corte en (orma escrila sus derensas a sus objecio
ones alas demandas en contra de su persona. Sea avisada
que si usted no se deliende. la corte tomara medidas 'I puede
...:ontinuar 1& dcmanda en contra suya sin previa aviso 0 natifi.
cacion. Adcmas. la corte puede decidir a ravor dei deman.
dame 'I rcquiere que US led cum pia con lodas la's provisiones
tlc esla dcmandn, tJstetl pucde perder dinero 0 sus propieda.
des U otros dcrechos Importantes para usted.
"LLEVE ESTA DE.1A:olDA A UN ABOGADO INMEDIATA-
.lENTE, 51 NO TlENE ABOGALO 0 SI NO TIENE EL DIN-
ERO SUFlClE:-lTE DE PAGAP. TAL 5ERVlCI0, VAYA EN
PERSONA 0 LLAME POR TELEFONO A LA OFICINA
CUYA DIRECCION SE E:olCUENTRA ESCRITA ABAJO
PARA AVERIGUAR DONDE SE PUEDE CONSEGUlR
ASISTE:-lCIA LEGAL,
KRAFT & KRAFT, P.C.
BY: ROBERT E. CHERWONY, Esquire
Attorney No. 17623
1311 Spruce street
Philadelphia PA 19107
(215) 546-5100
Attorney for Plaintiff(s)
TRAVELERS CASUALTY AND SURETY
COMPANY OF AMERICA f/k/a AETNA
CASUALTY AND SURETY COMPANY OF
AMERICA
HARTFORD, CT
COMMON PLEAS COURT OF
CUMBERLAND COUNTY, PA
CIVIL ACTION AT LAW
v.
No.
COMMERCE BANK/HARRISBURG,
NATIONAL ASSOCIATION
100 SENATE AVENUE CIVIL ACTION
CAMP HILL, PA 17011
NOW COMES the plaintiff, Travelers Casualty and Surety company
of America f/k/a Aetna casualty and Surety Company of America
("Travelers"), by its attorneys, Kraft & Kraft, P.C., and for its
Complaint against Defendant, Commerce Bank/Harrisburg, National
Association ("Commerce Bank"), states as follows:
1. Plaintiff, Travelers, is a Connecticut corporation and
has its principal place of business in Hartford, Connecticut and is
duly authorized to transact business as an insurer in the State of
Pennsylvania.
2. Defendant, Commerce Bank/Harrisburg, National Association
("Commerce Bank"), is located at 100 Senate Avenue, camp Hill,
Pennsylvania.
.
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3. Reynolds
is a
&
Havas,
law firm
P.c.
located
in
Harrisburg, Pennsylvania.
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4. Travelers issued
to Reynolds & Havas,
insured,
as
a
certain policy of insurance which covered, among other things, loss
of property caused by the dishonest acts of its employees.
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10. During the time period of May 1996 through February 1997,
Iddingo; forged 124 check from account number 510015902 in the
amount of $61,340.28.
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11. The total amount of checks forged by Iddings from both
accounts during the revelant time period was $78,788.97.
12. On April 21, 1997, May 27, 1997 and June 20, 1997,
Reynolds & Havas gave written notice to Commerce Bank of the forged
signatures on the Reynolds & Havas accounts with Commerce Bank.
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13. On or about July 28, 1997, pursuant to its obligations
under the insurance pol icy and as a consequence of Iddings'
~
fraudulent acts, Travelers made payment of Reynolds & Havas in the
amount of $104,134.97 (the payment included losses for the
fraudulent acts of Iddings which are not the subject of this
complaint) and by virtue of the payment, Travelers is equitably and
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legally subrogated to the extent of the payment to Reynolds & Havas
and the rights of Reynolds & Havas arising out of and related to
Iddings' fraudulent acts.
14. In exchange for Travelers' payment under the insurance
j'
policy, Reynolds & Havas assigned to Travelers the claims asserted
herein. A copy of the Assignment is attached hereto as Exhibit A.
15. In accordance with the deposit agreement which Reynolds
& Havas had with Commerce Bank, Commerce Bank was permitted to
charge against the account of Reynolds & Havas only those checks
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which were properly payable checks drawn on the accounts.
16. Commerce Bank breached the deposit agreement by Charging
the checks against Reynolds & Havas' accounts.
: l
17. The checks were not properly payable because they
contained the forged signature of Rolf Kroll.
\'FHII'/{ XIII)'
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Th~ Iil"~g"lIlg slal~lII~UI is lIlad,' 'lIh,~e'l I" Ih~ p~nalli~s "I' Ih~ I'ennsyll'ania Crilll~s CuJ~
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Har\'~y R, I h.'ffi1an
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31'170761
I)P(('ndant
: .11 my TI{lAL IlJo;I\IANDED
TltAVELEHS C/,SIIALTY ANIl
SlJHETY COI\II'ANY (W Al\llmWA
Ilk/a AETNA CASUALTY ANIl
SlJHi':'!'Y CO 1\11 'ANY 01-' Al\lI':I{WA.
I'laintili:,
. IN TilE ('01 11 {'I' 01-' ('OI\II\ION I'LI';AS
: ('III\IIlJo:ltLANIl ('OIJNTY. I'A
. NO. !)H.(iI71i CIVIL
v,
: CIVIL ACTION .LAW
COl\ll\lEHCI'; BANK/IIAlmISBIJl{(;.
N.J\.,
PRAECIPE FOR ENTRY OF APPEARANCE
TO THE PROTHONOTARY:
Kindly enter the l1nder~igned cOl1n~e1 ((lr the De(endant~. Commerce
Bank/lIarri~burg, N,A., in the above-captioned matter,
MEn'E, EVANS & WOODSIDE
By:
3401 North Front Street
P,O, Box 5950
Harrisburg, PA 17110-0950
(717) 232-5000
Attorneys for Defendants
Commerce Bank/Harrisburg, N,A,
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DATED: November 23, 1998
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ClmTlFICATE OF SERVICE
I Ill'reby c(~rtily (hat I am this day serving a copy of till' fim.going
document upon t1w I)(~rson(s) and in tI", manner indi,ated b"\ow, which sel'vi,e
satisfies the requiremenl~ of the Pennsylvania Rules of Civil Procedure, by depositing
a copy of same in the United States Mail. lIarrisburg, Pennsylvania, First Class l\lail,
postage prepaid, as follows:
Robert E. Cherwony, Esquire
Kraft & Krall. P.C,
1:3 11 Spruce Street
Philadelphia, PA Hl107
METTE, EVANS & WOODSIDE
By:
:3401 North Front Street
P,O, Box 5950
Harrisburg, P A 17110-0950
(717) 2:32-5000
Attorneys for Defendants,
Commerce Bank/Harrisburg, N,A.
DATED: November 2:3, 1998
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Exhibit A
tD)-04-\<:l98 \3::'8
(C"V'IF;;,.o(F hltn
','1',' y',"i:-, '(HI .....IU
!<RAFT " !<RAF'l', l' . C .
BY: ROBER'r E. CIII::RWONY, E:lquire
Attornoy No. 17623
13~1 Spruce Street
Philadolphia PA 19107
(215) 546-5100
Attorney tor Plaintiff Co)
TRAVELERS CASUAI,TY AND SURETV
COMPANY OF AMERICA f/k/a AETNA
CASUALTY AND SURETY COMPANY OF
AMERICA
HARTfORD, CT
COMMON PLEAS COURT OF
CUMBERLAND COUNTY, PA
CIVIL ACTION AT LAW
v,
No.
COMMER~E BANK/HARRISBURG,
NATIONAL ASSOCIATION
100 SENATE AVENUE CIVIL ACTION
CAMP HILL, PA 17011
NOW COMES the Plaintiff, Travelers Casualty and surety company
of America f/k/a Aetna casualty and surety cOlUpany of America
("Travelers"), by its attorneys, Kraft" Kraft, P.C., and for its
Complaint against Defendant, Commerce Bank/Harrisburg, National
Association ("Commerce Bank"), states as follows:
1. Plaintiff, Travelers, is a Connecticut corporation and
has its principal place of business in Hartford, Connecticut and is
duly authorized to transact business as an insurer in the State of
pennsylvania.
2. Defendant, Commerce Bank/Harrisburg, National Association
("commerce Bank"), is located at 100 Senate Avenue, Camp Hill,
Pennsylvania.
3. ReynoldS" Havas, P.C. is a law fil~ located in
HarriSburg, Pennsylvania.
4. Travelers issued to Reynolds & Havas, as insured, a
certain policy of insurance which covered, among other things, loss
of property caused by the dishonest acts of its employees.
t~Jl_I-~\.i-l ~~'''H 1 J: :'8
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5. At all relevant times between Kay 1996 and February 1997
Reynold. " lIavau umployed Kathleen Iddings ("Iddingu") au ita
ottice actminiatrator and bookkeeper.
6. At all relevant timofl stated herein, Reynolds " Havas
maintainod two checking accounts with Commarcc Dank, account
numbers 510015738 and 510015902.
7. At all relevant time,S stated herein, RoynoldO & Havas had
on deposit with Commerce Bank is such checking accounts, sums of
money which was the property of Reynolds" Havas.
8. During tho time period from May 1996 through February
1997, Iddings forged the signature of Rolf E. Kroll, an officer and
shareholder of Reynolds " Havas and an authorized signator on both
accounts.
9. During the time period from June 1996 through February
1997, Iddings forged the following checks from checking account
number 510015738:
Check No.
Amount
3916
3917
4150
4170
4171
4199
4200
4233
4234
4232
4276
4279
4300
4301
4303
4314
4315
$1,230.07
930.07
923.74
923.74
932.74
932.74
932.74
901.65
901.65
901.65
901.6~
1,226.92
1,226.92
911. 65
1,226.92
1,226.92
1,226.92
$17,448.69
IU.l-l\.1-1Y"'; U:;"
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, '
10. During thll ti mo period or Mny 1!)% throu'Jh Februar.y 1997,
Iddinq. for'J8d 124 ch'.'CK from account number 510015902 in the
amount of $61,340.28.
11. The total amount of checku forged by Iddingu from both
accounts during the rcvclant timo poriod wan $78,788.97.
12. On April 21, 19!17, May 27, 19!17 and June 20, 1997,
Reynolds' Hhvas gave written notice to Commerce BanK of tho forged
signaturo~ on the Rcynoldn & Havas accounts with Commerce Bank.
13. On or about July 28, 1997, pursuant to it~ obligations
under 'the insurance policy and an a consequence of Iddings'
fraudulent acta, Travelers made payment of Reynolds' Havas in the
amount of $104,134.97 (the payment included losses for the
fraudulent acts of Iddings which are not the subject of this
complaint) and by virtue of the payment, Travelers is equitably and
legally subrogated to the extent of the payment to Reynolds & Havas
and the rights of ReynoldS & Havas arising out of and related to
Iddings' fraudulent acts.
14. In exchange for Travelers' payment under the insurance
policy, ReynoldS & Havas assigned to Travelers the claims asserted
herein. A copy of the Assignment is attached hereto as Exhibit A.
15. In accordance with the deposit agreement which ReynOlds
& Havas had with COlllIllerce Bank, COllllllerce Bank was per1llitted to
charge against the account of Reynolds & Havas only those checks
which were properly payable checks drawn on the accounts.
16. Commerce Bank breached the deposit agreement by charging
the checks ~gainst ReynoldS & Havas' accounts.
17. The checks were not properly payable because they
contained the forged signature of Rolf Kroll.
to)-(l.l-l,,'l8 13:29
fT"lf'lEPr:E B~-d II
717 l:jrr..; O(~,81 (.J,l1t-,
18. Reynolds & /lavas performed all conditions precedent in
ita doposit agreement with Commerce Bank.
19. Commerce Bank' 0 breach of contract cauocd Reynolds &
lIavaa to GUffer damagen.
WHEREFORE, Plaintiff, Travelero and Caoualty Insurance Company
of America f/k/a Aetna Casualty and Surety Company of Amorica,
prays for judgment in its favor and against Defendant, Commerce
Bank/Harrisburg, N.A., in the amount of $78,788.97.
KRAFT & KRAFT, P.c.
Dated:
/o---/r-1Y
>Y,fi~~o~~~
Attorney for Plaintif~qu1rU
Of Counse 1 :
Harvey R. Herman
CLAUSEN HILLER P.C.
10 South LaSalle Street
Chicago, IL 60603-1098
312/855-1010
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Attorneys for Plaintiff, Travelers Casualty and Surety Company
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CEHTIFlr.~JJLOF 1;J:;'HVWE
I I",,,,'hy l'l'I'tifv Ihat I alii Ihis day ''''I'vill~: a copy of thl' flln'goillg
<Iocuml'llt UpOI1 tI". p"rsol1ls) alld ill Ihl' m;II1I1I'I' illlli,all'd Ill,low. which sl'I'vicl!
salislil!s the rl''1uin'I111'IlI.s of till' 1'1'IlIl,syll'allia I{ul,'s of I :ivill'I'oceduI'e, hy d,'positing
a copy ofsanll' in till' lJniu.d S(atl's l\lail. Ilarri.shurg. 1'l'nnsylval1ia. First Class Mail,
postage prepaid, as !I,lIows:
Hubert E. CIll'rwoI1Y. ES'luin'
Kraft & Kraft. I'.C.
1all Spruce Stn.,.t
Philadelphia. PA 19107
METTE, EVANS & WOODSIDE
By:
:3401 North Front Street
P.O. Box 5950
Harrisburg, PA 17110-0950
(717) 2:32.5000
Attorneys for Defendants,
Commerce Bank/Harrisburg, N.A.
DATED: November 2:3, 1998
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'IO'1l1H I'KUn IONOI'AKYOI'CUMIlEllI.J\NI)(UUNIY:
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1'!l',ISl'Jj..t till' wilhil1l11.tttl'r lor till' Ill''\! Argllllll'llt Court.
Cl\1'1l0N OF CASE
(('ntin' (,'phun lllU..t Iw ..t..h.d in full)
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Travelers Casualty and Surety Company of
America E/k/a Aetna Clsually and Surety
Company of America,
".
(PI"intiff)
VS.
Commerce Bank/Harrisburg, N.A,
(Defend"nt)
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No. 9H-6176 Civil
,
,
1. State matter to be argued (Le., plaintiff's motion for new trial, defendant's demurrer to
complaint, etc.): Preliminary Objections
2. Identify counsel who will argue case:
(a)
for Plaintiff:
Address:
Robert E. Cherwony, Esquire
Kraft & Kraft, P.C, 1311 Spruce Street, Philadelphia, PA 19107
(b) for Defendant: John F. Yaninek, Esquire
Address: Mette, Evans & Woodside, p.o. Box 5950, Harrisburg, pA 17110
3. I will notify all parties in writing within two days that this case has been listed for
argument.
4. Argument Court Dale: 01/06/99
DATED: 12/16/98
167582_1
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ll"crtify that I ilnl this day serving a copy of thl' fllfl'going d(1(Unll'nt upon the pl'rSlln(s)
and in the manner indicated below, which service s.ltisfit,'s the fl'quifl'mL'nts of the
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Pennsylv~ni" Rules of Civil Pro,~dure, by depositing ~ ropy of s~me in (he Unit~d St"t~s M~il
at Harrisburg. Pennsylvania, with first-class postage. pel-paid, as follows:
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Robert E. Cherwony, Esquire
Kraft & Kraft, P.C
1311 Spruce Street
Phil~delphi~, PA 19107
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By: ' fYU[U,:' ~(j/~I. 'i::J(,.
LLOYD R, PERSUN, ESQ
sup. Cl. LD. #10139
JOHN F. Y ANINEK, ESQUIRE
sup. Cl. 1.0. #55741
KATHLEEN DOYLE Y ANINEK, ESQUIRE
sup. Cl. 1.0. #734-15
METTE, EVANS & WOODSIDE
Attorneys for Defendant
Commerce Bank/Harrisburg, N.A.
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3401 North Front Street
P.O, Box 5950
Harrisburg, PA 17110-0950
(717) 232-5000
DATED: 12/16/98
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SUltETY emll',\"y OF A~IE/{I(',\,
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COMMEHCE BANK/HA/{ItlSBUW i,
N.A..
Defenllant
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OHDEH
It is hel'eby OHDEHED pnl'snan( (0 the Stipulatiou of the pat'ties that
Plaintirr will file an Amenllell Complailll within sixty (fiO) lIa~'s whieh will inclulle
all agl'eements, checks anll lIocuments which at'e I'efet'encell iu the COlllplaint.
Thet'cfot'e, Defendant's pt'eliminat'y objcctions at'e moot based on this Stipulation.
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BY THE COUHT:
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SUltETY e<nll',\;-';Y OF ,"IEltl(,,\
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SUltETY e<nll',\:\y OF ,"IEW(',\,
Plaintiff
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N.1\.,
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!( is herehy stipnla(ed hy and helween eonllsel in the ahove-captioned malleI'
that Plaintiff will rile an Amended Complaint ineludiug ull eon(ruc(s and ehecks
on whieh Plaintirr's claims me hased within sixty (fiO) days of lhe COUl't entcring
un Order pursuun( to this Stipulation.
Rouert E. Cherwouy, ESCJJlrc
KraH & KraH, P.C.
1311 Spruce Street
Philadelphia, PA 19107
Allorncy for Plaintiff
DATED: Deeemhcd/, HJfl8
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:\IETTE, EVANS & WOODSIDE
:\401 North Fl'Ont Street
P.O. Box 5!l50
Harrishul'g, PA 1711O-0!l50
(717) 2:t2-5000
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Attorneys for Defendant
Commerce Bank/Hal'l'ishurg, N.A.
KRAFT &. KRAFT. p.e.
BY,
,c,""..cROBER'l' E. CHERWONY, Esquire. ',w'.' , ""
1311 sPRucESTREET17623
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TRAVELt:RS CASUALTY AND SURETY
COMPANY OF AMERICA f/k/a AETNA
CAsl!lltTY AND SURETY COMPANY OF
AMERICA
HARTFORD, CT
VB.
COMMERCE BANK/HARRISBURG,
NATIONAL ASSOCIATION
100 SENATE AVENUE
CAMP BILL, PA 17011
plaintiff (s)
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COURT OF COMMON PLEAS
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OF CUMBERLAND COUNTY, PA
CIVIL ACTION AT LAW
NO. 93-617C
AMENDED CIVIL ACTION COMPLAINT
"NOTICE
"Vou ha..'e ~el1 sued in court. If )'UU "..;sh tu defend
against the claims set earth in the following pages. you must
take n('tllm within twenty (20) days after thIS complaint and
noti('~ ilrc served, by entering a written appearanc:e personally
or by alLo!"OC'j" .:tnd (j\in~ in wrllmg With the court your de.
(eost's or ohJ('('tlon5 to the c1uims set forth agaInst you. You are
warned that ;r )'OC fail 10 do so the case may proceed without
you and a juriJ!;ment may be entered agaInst you by the court.
without further nut ice for an}' money claimed in tIte complaint
or for any other claim or rclid rcq\,;csted by the plamtiff. You
may lo!>e muney or propt..'rly or other rll!;hts important to yuu.
"YOU SHOCLD TAKE TInS P,\PER TO YOUR LAWYER
AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CAN.
NOT AFFORD ONE. GO TO OR TF:LEPHONE THE OFFICE
5ET FORTH BELOW TO FIND OUT WHERE YOU CAN
GET LEGAL HELP,
Court Administrator
court House, 4th Floor
1 court House Square
Carlisle, PA 17013
"AVlSO
"Le han demiindado a usted en la corte. Si usted quiere
derenderse de estas dcmandas expuestas en Ias paginas
siguientcs. usted tiene vcinte (201 dias de plazo al partir de
13 redIa de In demand a y la notificacion. Hace falta asentar
una comparencla escnt.tl 0 en persona 0 con un abogado y
entregar a la corte erT forma escrila 5US defensas 0 sus objeci-
ones alas demandas cn contra de su persona. Sea avisado
que S1 usted no se denende. 1a corte to~ara J!iedld.as y pue:d~
I.:ontinuar la demanda en contra SiJya Sin preVIa aV1S0 a nouh-
cacion. Adema's. la corte puede decidir a favor dei deman-
dante y rcquierc quc ustcd cum pia con todas lis provisiones
de esta demanda. Usled puede perder dinero 0 sus propieda-
des U oteos derechos irnportantes para usted.
"LLEVE ESTA DEMAND A A UN ABOGADO INMEDIATA.
MENTE, 51 NO TIENE ABOGADO 0 51 NO TIENE EL DIN-
ERO 5UFICIENTE DE,; PAGAR TAL SERVlCIO. VAYA EN
PERSONA 0 LLAME POR TELEFONO A LA OFICINA
CUY A DIRECCION SE ENCUENTRA ESCRIT A ABAJO
PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR.
ASI5TENCIA LEGAL.
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6. At all relevant times stated herein, Reynolds & Havas
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5. At all relevant times between May 1996 and February 1997
Reynolds & Havas employed Kathleen Iddings ("Iddings") as its
office administrator and bookkeeper.
numbers 510015738 and 510015902.
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maintained two checking accounts with Commerce Bank, account
7. At all relevant times stated herein, Reynolds & Havas had
on deposit with Commerce Bank is such checking accounts, sums of
...
9. During the time period from June 1996 through February
1997, Iddings forged the following checks from checking account
money which was the property of Reynolds & Havas.
8. During the time period from May 1996 through February
1997, Iddings forged the signature of Rolf E. Kroll, an officer and
shareholder of Reynolds & Havas and an authorized signator on both
accounts.
)
number 510015738:
$17,448.69
Attached hereto, made a part hereof and marked Exhibit "A" are
true and correct copies of said checks.
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10. During the time period of May 1996 through February 1997,
Iddings forged 124 check from account number 510015902 in the
amount of $61,340.28. Attached hereto made a part hereof and
marked Exhibit "A" are true and correct copies of said checks.
11. The total amount of checks forged by Iddings from both
accounts during the relevant time period was $78,788.97.
12. On April 21, 1997, May 27, 1997 and June 20, 1997,
Reynolds & Havas gave written notice to Commerce Bank of the forged
signatures on the Reynolds & Havas accounts with Commerce Bank.
13. On or about July 28, 1997, pursuant to its obligations
under the insurance policy and as a consequence of Iddings'
fraudulent acts, Travelers made payment of Reynolds & Havas in the
amount of $104,134.97 (the payment included losses for the
fraudulent acts of Iddings which are not the subject of this
Complaint) and by virtue of the payment, Travelers is equitably and
legally subrogated to the extent of the payment to Reynolds & Havas
and the rights of Reynolds & Havas arising out of and related to
Iddings' fraudulent acts.
14. In exchange for Travelers' payment under the insurance
pOlicy, Reynolds & Havas assigned to Travelers the claims asserted
herein. A copy of the Assignment is attached hereto as Exhibit A.
15. In accordance with the deposit agreement which Reynolds
& Havas had with Commerce Bank, Commerce Bank was permitted to
charge against the account of Reynolds & Havas only those checks
which were properly payable checks drawn on the accounts.
Plaintiff is not in possession of said deposit agreement.
Defendant should have a copy of its own deposit agreement.
16. Commerce Bank breached the deposit agreement by charging
the checks against Reynolds & Havas' accounts.
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A _._ CORPOfIArlOH
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IOII'1NE STREET
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HARRISBURG, PENNSYlVANiA 17101-0931
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VERIFICATION
Robert E, Cherwony, Esquire hereby states that he is the
Attorney for Plaintiff in this action and verifies that the
statements made in the foregoing pleading are true and correct to
the best of his knowledge, information and belief, The undersigned
understands that the stateme~ts therein are made subject to the
penalties 18 Pa, C.S, 4904 relating to unsworn falsification to
authorities,
Date: J.,X\' Ci (~
,)/), (r (;
( ,- i I 1---', )l'
. ;t...iLf., "_ I ;'_;~''1..-~'('J~C-'T
Robert E. Cherwony
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TIL\ \'EI.EHS C,\Sl ',\I.TY .\:\/l
SCHETY Cmll',\:\y OF ,\,\IEIW'..\
Uk/II ,\E'I,:\;\ (',\Sl'.\I.TY ,\:\/l
Sl 'H1';TY ('mw\:\y ell-' ..\\IEIW'..\,
/'llIinl j[f
: 1:\ 'I'll E ('0(' HT (lI-' ('mnlo:\ 1'L1';,\S
: ('I '\I II EH L.\:\/l ('Ol':\TY, /,,\
: :\0, !lS-lil7li ('1\'11.
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: ('1\'11. ,\CTIO:\ -LA\\'
comllmCE BA1'ilvIIAHlUSIlUHli,
:\,:\.,
Derendant
: ,JUHY TI{I:\1. llE~I:\:\DED
NOTICE TO PLEAD
You al'C hCl'eby notified to plead to lhewithin doeulllent withiu tweuty (20) days lineI'
SCI'\'il'P hen'of, 01' a ddault judgmcnt lIIa~' hc clItcl'cd agaiust you,
Hespeetrully submittcd,
METTE, EVANS & WOODSIDE
DATE: 4/27/99
:[76S63 _I
TH:\VEI.EHS (',.\SI:..\I.TY ..\:\1)
SUHETY Cmll',\:\y OF ,\~IEJW ',\
Uk/a AET:\A (':\SU,\I.TY \:\1)
SUHETY ('mil ',\:\Y ell-' ..\\IEIW '.\,
!,Iainl irr
: 1:\ TilE ('( ll'BT ell-' ('(nl\f():\ I'J,E,\S
: ('I'~IIlEHI..\:\J)('(Jl':\TY,I',\
: :\0, !IS-Ii I i'li ('1\'11.
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: ('1\'11. ,\(''1'10:\ -1.,\\\'
CO~I~IEHCE B:\:\lvIL\HHISHl'({( i.
N.A..
Il('[Plulant
: ,1l:HY TBL\1. IlE~L\:\IlEIl
nEFI~NDANT COMMEHCE BANK/HAHHISBUHG, N.A.'S
ANSWEH TO PLAINTWF'S AMENDlm COMPLAINT
AND NOW, eOllles Defendant. Commel'ce Bank/!hu'I'isbul'g', 1'\,A" by and thl'onf.,'h
its attol'neys Mette, Evans <'< Woodside, I',C" I'esponding' as rollows to I'laintirr's Ameaded
Complaint:
1, Denied, i\Jtel' I'l'asonable investigation, Defendant is withont knowledge 01'
information surricient to r01'l1l a belief as to the tl'uth 01' vel'acity eontaincd in para6l'J'aph 1
of Plaintiff's Amended Complaint, and is thel'efol' denied with stl'ict proor demanded at
trial.
2, Admitted,
3, Admitted,
4, Denied, Aftel' I'easonable investig~ltion, Derendant is without knowledge 01'
information surrieient to form a belier as to the tl'uth 01' vel'acity contained in parabl'J'aph 4
of Plaintiff's Amended Complaint, and is thel'efor denied with strict pl'oof demanded at
trial.
;., Il('nil'l!. :\rlt'l' I'l'a SIlJl II hiP ill\'l'stig'atilln, Ilt'rellllanl is withont knO\\'Il'dg'1' 01'
infol'mation SJl rril'ien I 10 fOl'lIIl1 hl'lid as to the 11'11111 01' \'I'I"ll'ily l'ontain('d in pal'llgl'lIph;.
of I'laiJltirrs ,\nll'llllt'd ('lIl11plainl,lInd is I II l'rl' ro I' denil'd with sll'i('\ pl'llor dl'mandl'd at
tl'ia!.
(j, Admitted,
7, Admitted ill part aJld dl'nied in pal'\. II is adlllitll'd that HeYJlolds & Havas had
SIlins of Illoney in theil' al'('Oullt hel\\'l'en ~Iay f!l!H; and Fehl'ual'Y HlD7, Artel'l'easouable
investig-dtion, Defendant is without kno\\'ll'dg'l' OJ' inforlllation reg'al'ding' the tl'llth or
vel'acityas to the remainder or the alleg-ations contained plll'a/.,'l'aph 7 of PIaintirr's
Amended Complaint. and they al'e thel'dol'e denied with stl'iet pl'oof demanded at trial.
8, Admitted in pal't and denied in pal't. It is admitted that Rolf E, Kroll was an
officeI' and shareholder or Reyuolds & Havas and an authol'ized si/.,>l1ator on both
accounts, After reasonable investiglltion, Defendant is without knowledge 01' information
as to whethel' Kathleen Iddings rorged the signatlll'e of Rolf E, Kroll and this allegation is
denied, Thel'efore stl'ict proof of this is demanded at trial.
9, Denied, Artel' reasonable investiglltion, Defendant is without knowledge 01'
information sufficient to form a belief as to the truth 01' veracity contained in pal'agraph 9
of Plaintiff's Amended Complaint, and is therefor denied with strict proof demanded at
trial.
la, Denied, AfteJ' I'easonable investigation, Defendant is without knowledge 01'
information sufficient to form a belier as to the truth 01' vel'lleity contained in paragl'aph
-2-
10 or Plllillt iff's ,\IIII'IIIII'd ('olllplllilll, allll is Illl'rdor dl'nil'd willi sll'it'! proor dl'lIIalllll'd at
tl'iul.
II. Ill'n;1'11. .-\[11'1' 1'I'lIsolllll>ll' ill\'l'sli~lIlion,llt'rl'lIdlllll is \\'ithoul kno\\'II'dh'l' 01'
iurol'lIIution sllHil'il'nt 10 rOl'lIIulll'li(,[ as lollil' Il'lIth 01' v('I'al'iI~' ('OlltUilll'd in pal'ah'l'aph
II ofPlllintiU's AlllelHlell ('olllplllinl. allll is 1111'1'('[01' dl'nil'd \\'i1h stl'il,t 11I'oor 1I1'IIIulldl'dat
lrial.
12. Adlllitted in pal't alldlleniell in pUI'\. It is adlllilll'lI that Hl'yuollls & Havas
provided certain writillh~ to Conunp)'('1' lIallk alll'hoillg- rOI'g-ed sih'lHltnl'es ou Heynolds &
Havus' ueeounts with COlllmeI'ee lIunk, Aftel' l'easonal>le illvl'stig-ation, Dclendant is
without knowIed!,'C 01' inrol'mation suHil'il'nt to rOl'm a belief as to the truth 01' veracity
regal'lIiug statellleuts lIIade by the He~'uolds & Havas' a!,tellts in theil' wl'itin!,>'S to
Conllncl'ee Bank, and stl'iet pl'oor thel'eor is lIemanded at tl'ial.
13, Deniell, Alter I'easonable investig-ation, Defendant is without knowledge 01'
information sullieient to fOl'm a belier as to tile tl'uth 01' veracity containell in paragl'aph
1:3 or Plaintiff's Amended Complaint, and is thel'clor denied with strict pl'oof demanded at
trial.
14, Denied, After I'easonable investiglltion, Derendant is without knowledge 01'
inlormation sullicient to lorm a beliel as to the tl'uth or veracity contained in paragraph
14 01 Plaintiff's Amended Complaint, and is therclor denied with stl'ict prool demanded at
trial.
-3-
1~1. 1ll'lIil'd, This allel-(alilln stall's a1t'W11 "lIlwIIlSilln to whil'h no rl'sponse is
J"l'qllirl'd,
Iii. I)l'nil-.i. This pal'agl'aph slall's all'g'al 1'lIndllsion towhil'h 110 I'l'sponsl' is
reqllin',1.
17, Dl'lIied, This pal'llh~'aph slatl's all'g'al ,'olH.'llIsion to whil'llno I'l'spollse is
I'eqllil'ed.
IS, Dellied. This Plll'llh~'aph stall's all'g1d (,lIndllsioll to whil'h 110 I'esponse is
required,
Ill. Deuied, This pal'llgl'aph states all'g111 eOllclllsion to whieh 110 I'espollse is
reqllil'ed,
WHEHEFOHE, Dcrelldant l'ommel'ee Bank/Hal'l'isblll'g', N,A, demands
jud!-,'lnent iu its ravol' and ag'ainst Plaintirr with eosls,
NEW MATTER
1, Plain(i[f's assi!,'llOr, Heynolds & Havas, I'eeeived timely monthly statelllents on
theil' bank aecounts,
2, Plaintiff's assignol', Heynolds & Havas, had the responsibility pUl'suant to
deposit agreement to promptly examine each monthly statement and report any
il'l'egllllll'ities to Defendant.
-4-
:1, 1'llIinliH's lIssih'llol', Hl',\'nolds ,,\- IIams, rllilt'd 10 pl'oUlpll,\' I'l'\'ie\\' Ihl'il' 1II0nthl~'
sllltellll'nts audnolir,\' 1JP[l'lulanl willlin thil'l~' (:IIl)('ah'ndlll'dll,\'s lIr",1' IIII' I'l'('l'illl or the
sllllellll'nll'e/.(lIl'din/.( lIU~'lIltl'l'l'dOI' rOI'/.(l'd si/.(UlIlnl'es onlhl' 1II'('ounls'l'iu'('I,s.
,I. !'ul'sulInllo Ihl' I>l'posil :\gl'l'elllenl, I>l'relulllnt is not liallll' ror lIn,\' l'ilel'k that
was altel'l'dlll'an,\' sih'llatUJ'l' lhat was rOI'/.(edunless I'laiulirrs assigllOl', He,\'nolds ""
lIavas,uotiried lJerl'lIIll1nt wilhiu thil't\' (:lO) days a[(I'I' till' issuanl'e or theil' hank
, ,
statenll'ut of altel'ed 01' fOl'ged cheeks,
;;, Allnoticcs tllal wcre l'el'eh'ell fl'Oml'laintiff's assignor, Heynolds "" Havas,
were given wella[(el' lhil'ty (:10) ealendal' days snbsequent 10 the issnance or hank
statemeuts on the aeeonnts in question,
li, Defendant sent and Plaintiff's assi/-,'1lOl', Heynolds "" Havas, I'eeei\'ed all bank
statelllents in calendal' years HJ9li and IOD7 in a timely mlluner,
7, Piaintiff's assignor, Reynolds"" Havas nevel' reported any pl'obIem with their
account until April 21, IOD7,
8, Plaintiff assignee, Travelers Casualty Company's claims are barred based on
the failul'e to provide Defendant propel' notice of the alleged forgel'ies as required,
D, Plaintiff's assignor failed to exercise ordinal'Y cal'e, substantially contributing
to the making of the fOl'ged signatul'es on the subject checks,
10, Based on Plaintiff's assignol"s railure to exel'cise ordinary care, Plaintiff is
precluded from asserting forgery against Defendant, who in good faith, paid the
instruments or took them ror valne ror collection,
-5-
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11. !'llIinlifr's IIssil-'lIO" rlllll'd 10 ('a IT,\' Olllllll'il' dill it's liS !lI'l's(Tihl'd h,\' Ihl'
I'('nllsyl\'anill ('nHol'lII ('onllnt'I'l'i1l1 ('odt', whil'il I'l'lfnil'l's 1'llIinl ifr's l'iaillls 10 hI' halTI'(1.
I" /'Iainlifr's l'illillls al't' hal'l't'd h,\' Ihl' IlHiI'nlalilt' dl'rt'ns(' or hu'hl'S,
I:\. I'llIinllfr's l'illillls 1I1't' 1l/lI'I't'd hy IIii' IlHiI'.nalil'l' dl'rt'nst' or l'sloppl'l.
1,1. !'Iaintirrs Complaint rails 10 sllll\' a l'iailllllpon whil'h I'l'lid ('lIn hl' I-'l'antt'd,
I", I'lainlW's daims ma~' ht' hlll'l'l'lI h,\' Ihl' slalllll' or Iimillltions,
WIIEHEFOHE, IJcrl'llllanl l'omnll'l'el' Bank/IIHlTishlll'g' :\,:\.. dl'mlllllIs
ju<I~ellwnl ill its (al'Ol', togt'tlle" with eos!s or Sllit.
Hl'speetflllly sn blllillell.
METTE, EVANS & WOODSIDE
Q
DATE: 4/27/99
,"1 yd H. l'eJOslll Esqnil'e
,:' IP, Ct. ID No,-IOI:JD
.John F, Yaninek, Esquil'e
sup, l't. ID No, 55741
:3401 N, Fl'ont Stl'eet
1',0, Box 5D50
Hal'l'isbUl'g. PA 1711O-0D50
(717) 2:32-5000
-6-
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CEI\TJ"'C;\JEIW SEI\\'ICE
I 1I1'l'l'h,\' l'I'rtiry 111111 I 1111I tllis dll~' SI'I'\'illl-! /I 1'111',\' IIr 1111' rlll't'l-!lIinl-! dlll'lIl1l1'nl
IIplln 1111' IH'I'SIIII(S) a 11I1 in till' IIl/1nlll'l' indil'atl'd Iwlllll', \\'hil'll sl'l'\'il'l' s/llisril's IlIl'
l'l'qnil'l'lIIl'nts IIr Ihl' I'l'nllsyl\'llni/l HlIll's IIf ('ilil !'J'III'l'dlll'I', hy dl'pllsitilll! a I'lIPY
or sallll' in thl' l'nill'd Stall's ~lail. lIa1'l'isllIll'l-!, !'l'nnsyllania, HI'S! l'Iass lIIail,
pllsta/.."-' IJI'l'pllid. addl'l'ssl'd /IS rllllo\\'s:
Hohl'l't E, Chl'I'\\'lIny, Esqllil'l'
Kmft & Kl'lIfl, 1',("
1:111 SprueI' SlI'l'l't
Philadelphia, 1':\ 1!lIO,
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John F, ran nl'k, '{::, qllil'e
Snp, Ct. I.D, #;,;,7,11
~mTTE, EV":--iS 8: WOODSIDE
a.IO! NOl'lh Fl'ont Sll'eel
P,O,13ox ;,!l;,O
HaI'I'ishnl'g', P A 17110-0950
(717) 2:l2-5000
Atlol'ne~'s rol' Derendant
COll1mel'ee Bank/Hal'l'isbuI'g', NA
DATED: 4/27/99
:176S6J _I
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TnAVEU:RS CASUALTY ,\:'\Il SlnFTY
COi\II'ANY OF .."IFIUe\ 1'/1';!lI ,\ET:'\.\
CASU,\I.T\' "Nil SI:IU:n C(),\II',\:'\Y OF
Ai\IEIUC,\.
) 1:'\ TilE COURT OF COi\Ii\JON I'I.EAS
) ('l'i\IIlFIU.ANIl COUNTY.I'A
)
)
) NO, I)H_1I1711 CI"II.
)
) CIVIL ..\CTION -LAW
)
)
) "un\' TnlAI. UEMANUEU
)
I'lainliff.
v,
COJ\li\IEnCE IlAN/\/IL\IUUIlL'nc;, N.A..
Ill'frndllnl,
I'R,\FCII'E TO DISCONTINUE
TO TilE I'ROTIIONOTAn\':
Plcasc mark Ihc dockcl in thc ahovc-cllplioncd aclion scttled, salisficd and discontinucd,
Howcvcr, this slipulation shall in no way hc construcd or intcrprctcd as prcjudicing, relcasing or
dismissing any claims against Kathlccn Iddings rclating 10 hcr misconduct involving funds
bclonging to Rcynolds & Havas, p,(', of Harrisburg, Pcnnsylvania,
By:
D^TE_~Lzjf) J
Rob t Chcrwony
13 II Sprucc Strccl
Philadelphia, PA 19107
Attorney for Plainti ff
if
'I
ROBERT CHERWONY
KRAFT & KRAFT
1311 Spruec Street
Philadelphia, PA 19107
Attorney lor Plaintiff
215,5411.5100
(15Wl!h_]
n:KflFI<' HE OFS@\'Wli
I herehyn:rtily Ih,,11 "l1llhis d"y Sl'r\III);" wpy ol'lhe Itll'e);oill); doellmenlllpolllhe
person and inlhl' mallller indieakd helow, II hieh service Sillislies Ihe reqlliremellls ol'llw
Penllsylvania Rules ul'Cil'ill'llleedure, hy depusilill);" eupy ol'same illlhe Ullited States Mail,
Harrihurg, Pennsylvania, lirst e1ass mail. puslage prepaid, addressed as liJlluws:
.Iohll F, Y,millek, Esquire
:-'klie, Evalls & Woudside
J.jO I NllI'lh Frollt Slreet
1',0, Ilox Sl)SO
Harrishurg, P ^ 17110-0')50
By:
Ro ert Cherwony
J J J 1 Spruee Street
Philadelphia, PA 19107
Anorney for Plainti ff
DATE.~hJlll
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