HomeMy WebLinkAbout98-06541
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
PROVIDlAN NATIONAL BANK
Cig-- ~j"-It-( 11 "n
NO, ( L,~
IN CIVIL ACTION
-vs- PlaintiJJ(s)
BARBARA GORNIK
Defendant(s)
COMPLAINT
CODE-
FILED ON BEHALF OF
PLAINTIFF
COUNSEL OF RECORD
FOR THIS PARTY:
James R. Apple, Esq.
PA LD. No. 37942
Charles F. Bennett, Esq.
PA LD. No. 30541
Joel E. Hausman, Esq.
PA LD. No. 42096
Marylouise Wagner, Esq.
PA LD. No. 61095
APPLE AND APPLE, p.e.
Firm No. 719
4650 Ba.um Bouleva.rd
Pittsburgh, PA 15213-1Zl7
Telephone (412) 682-1466
Fa.x (412) 682-3138
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COMPLAINT
1. Plaintiff is a National Banking Association located in Tilton, New Hampshire.
As of January I, 1998, Providian National Bank was merged into First Deposit National
Bank, and the resulting entity took the name Providian National Bank." The account that
is the subject of this lawsuit may have been either a First Deposit National Bank account or
a Providian National Bank account prior to the merger, but is now an account of the new"
Providian National Bank, which is the plaintiff herein.
2. Defendant is an individual whose address is 48 Lime Kiln Road, Carlisle,
Cumberland County, PA 17013.
3. At a specific instance, the Defendant applied for and was granted credit by
the Plaintiff at the terms and conditions agreed upon by the parties, as is more specifically
shown by the Account Application and Agreement, true and correct copies of which are
attached hereto, marked Exhibit A" and made a part hereof.
4. Defendant made purchases and/or received cash advances using said credit.
5. Plaintiff avers that the terms of the Agreement provide for acceleration of the
entire balance due and owing upon Defendant's breach of the Agreement.
6. Thereafter, in breach of obligations under the Agreement, the Defendant failed
to make payments as they became due.
7. Plaintiff avers that the balance due amounts to $7,539. 92.
8. Plaintiff avers that interest has accrued at the rate of 23.30% per annum on
the balance due from June 24, 1998.
9. Per the terms of the agreement, the Defendant has agreed to pay to the
Plaintiff as liquidated damages, the costs of collection, including all reasonable attorneys'
fees incurred in the collection of monies owing.
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CAPlIAl CASH'
Account 1V'~IIOJ 811bll'I Gou"'.
y... C....II C.... ICCMI hilt -AccolIl'll' It . ,"'It"" '1f1CNlal to... t'"1 ..... fOIl 10 .celll your ICCtuftltty WllllIIt dItCh II t"" A'ttftlII'Il. -_.... 1ft. .,.... rrw." 11th ,.non 'Of whom w.
btttpM' C'pIlIIC,sh Account. "W.:-0\If,. -N'L .....u.. fNlII 'ra' D.,..I H,lIol'l.18ank 01111...... fOIl IN, Mlft. "'~ tor II' "ctOunl if ,0UOf' nwmlf" YOUf houMM'd .If"d,
..... ,,,dilaccount willi us. ProwiNn N.lIonll 8tnk. If "'WId'" Clldll s..wc... kK. th. "''''''''1 IN, b. u.... "'" 101 p.non.lllftlty, hou..ld. Ind thlltf.bll ""pUll IIl4 "01 lor any bu...."
.. ~ ,.",.... Any 11M at INS AUOUftI ....1 coculllul. '"'Pl.ne. olltl. '''IN .t ,tN, "0''''''1. 'ou tn4 w, 'If" It 1010'11I1-
'~I.l Rt..I'.....' .t Ih, A'Clllnt C,,,lt ktvllW P"lrlIft, tl Ofd" t. h., ,ou Actount II 0004 11.ndl'll. you .or" Mil' Ii9l1lhconlty Wi.... th. 'ITOUI'I' II your 101.1 d.' In unSICUltd
r~ ItCtuftl1. WI,wit rniIW yOUl AcCIUftI.nd ,,",I pili. qUill"'" 10 ,..Iu.I. the In'Ount you OW"eI.t"'. 10 Ih. .ItlIUftIII yourlhen currtnllK:OINI. !WI conlid.. In i\crllse 11 delll olltl:lll
dItII n.ooo t. be Ilgniliclllt. UM" you h'.'lUlhCttnt incllMl If WI d,llImn, Ih.t yOUl Accounl il not 1ft Qood It.ndlll'll. ,011I Annu.1 '"cenl.'II' A.t. NY b. I1mlltd.
Clu My..... TbI AceUIII .,,~~ only wdh lhl inil~ loin PlGlSIlI rulh .dunc,-I. this ititlalloln Ifn!Ml1 INY .dud. ",,,*," IMI w. hn. mtd. to oth..Itnd.1 on ,0Ul bth.1t In Old.
II..IIIIf./_other bllanelllO this Accounl. dlech mllId 10 ,OU 10111'1, purpo.. 01 u.nslllrln'll your bll.ne.. to thil Account. .nd lund. tltcUonlcd, tr.nsn,tted to olh" '-"d.. 10 IlInstar b.lances.
Hawn.. I you ,_. dtt lnillallo... .rmvnl.nd h.v. not ulld Ih. Account. w. wi clost Ih. Accounl .nd ,ou w'. hlft no o"O.llOn. II ylu "lKllh. wlllllo.n IlOOunl bul IIn. ulld Ih. Accounl.
WI wi da.. lhI Accounl .nd dlmtnd kmwdi.lI lul ,.y"*,1 onty ollh. b.lInc. .nd thll'llll not ret'lld II 1M inIll.llo,n .1fIIUIlt. lou may "quill .ddlt"".1 cosh .d"ne.. by c.lling Ih. 101-1".
Nri. III" on your monlhly .t.I....11.
"ynNltlU. You wi flcoive .lOOnlhly IIIIIIIWlI sh.wln'll your OUISllnding b.l.net. You wil p,y UI in U.S. dol.1S IchKks ITllII b. p.y.blt .11 U.S. oltic. 01 thl b.nk Ih. ctlICk I. d.,wn on) III..SI
1M ,._1 dUllS shown on 'OUl .t'IIIl'IIlI by Ih. "y..-,t duo d.t. n .ccOfdanc. wilh ,.ynnl nllfuctlOn. on your rranlt\ly 11.I,merll. You mty nol use your conwtaitnel chICh 10 INke plymenU
on your AccounllN' 10 nlll P"INIlII on Iny IIh. 'CCOUllt you hn. with us Of OUl .!hiltll. ThllTininum ,Iymtfll dUI d IIOIINI, br. 2.0% of Ihl alw blllnCI shOWfl on ,our slltlmllll plus Ih'
II'IWRI DI Iny ,1St due plymenl plullhllll'Gunt by wfIich!h. new b.llnceucttds youI cf.dillinl pJu. Ins tor Cllllin opllon.1 semell. How.nl. Ih. ,I,rrent dUI wil not blltu Ihln 115 lunll"
your nIW bllanells illS Ih.n '15, In which clI.lh. Plym"1t due wi bl the lmounl ot Ih. n'w blllnnl. If your P'lment is II'GfI th.n Ihl ,Iymenl dUI. it will bllll.led IS' sinQII plymlftllnd
noM 01 It wi b. ."itd to lulurl p.ynwnll dUI. W. INY aCCl$lllat. 01 plnill plymenls. 0' plYnwnlS marhd .,lld in lu - 01 mlrhd wilh olhll IIstrictions. without losing our riGht 10 colKII.arraunlS
...... und. till, AI,_I. THE MINIMUM PATMENT IS ONLY THE REOUIREO PAYMENT. 10 PAY OOWN YOUR lOAN fASTlR. YOU MAY PAY MORE THAN THE MINIMUM PAYMENT
OR YOU MAY SENO EXTRA PAYMEN1S AT ANY TIME.
flnlnll. Cltlrg.. FIn.nct dtllg.1 begin ID Icau. on . d&tlil when it is included in lhl d.ily b.llnctl"B.lln,,-l .nd conlinu. unlith. blllne. is reduced by I p'YINnI or c,tdil. Thl B.lance il reduttd
by ,.,lIWlt. IS 01 1M d.t. rectivld, .nd by creditslucepl to. rhlluls of III. .nd rrlscenanlous chll'll"'1S 01 the ,dill posled. DelIils olhll th.n tinln" chlfQIS III includld" Ih. BII.nct.s at
(h.dltlt Ih'r".jlOJld whlchJII.SJoIDWS: uJh adwtncedlecks Ih.I.1I icIentifitd IS Clshiff's checkl thAI w.madtd 10 you II your rlqulsl." 01 SInn d.ys ,lttl thl dlt.w. prinl onlh. check;
II oUl<< chICk.. I. 01 thl dltl pr.senled to Ul: funds tltclronic..y umnilltd 10 Olhll' l,"dln 11 IIlndll bllanevl. If of the d.r. tt.nmilled. Olbet debits feJC~1 Jor Ilia. finance. ,nd miscell.nlous
chlr1lsll11 inWdtd in yOUl B.lInct IS of the dill ,olted. Fil.nc. ch.rgll "' .ddtd 10 YOUl BallnCI each dlY Ind IlIlhen posled oa Ihl 1111 dlY 01 the bWlIlg cycll.
To flQur.th. dl~ fanance chllg.we surl wllh YOUI prl'lious dlY's BallnCl.ldd III debits Ind subtract I. cftdilS lor Ihlcurrent,d'Y {II uptained in Ihe pllIQtaph Iboyel and rroltiply the n.t ImoUllI
by the dlily perilMlic fll. IsttloUowi'lg plll'llllphl. Th. finlncl chllQ' is then Iddld to .nd included i'lthll d.y's Bllanet. We Irlll . credit b.l.net lor .ny dlY II 1110. W. detemin. the lolal fllllnel
chtrg.s fOf the biling eycle by Iddi'lg logelhlllhllin.nce ch.rQ.tor IIch dlY within Ih. billing cycl.. To d.ternin. the 1'111'1' dlily bal.ncI shown on your sl.lemeat. .dd each dlY's B.lanee {includ"lIIg
dliy Iit.nc. ch.rg.' in Ih. billing cycll .nd di'fid. by the nuntlf 01 d.,s in Ihe billing cycle. You cen IIlJltiply thi. .verag. dai y bll.nte by Ih. number of dl~s in Ih, b~ling cycll Ind by the daily periodic
1111 to dltemin. the tolll .mounl of YOUf linanc. chll'lles for Ihe bilflllg cycle. In calculaling financt chlrges. an adjuslment wal be mad. forlny Iflnsattlon or pl,ment thai would h.ve Iflected Ihl
lInanc, ch.tgl clleutltion in I prior billlllg cycll hid it b.en posted in that cycl,. The balenCI amounll shown on your stalemenlll'llY dillll from Ihe Balances used in co~uling flllancI chalg.s, because
thl taller do nol includ. .ny lal. or niscehnlous chllQ's which all included in the balanCls shown on your Slalement. Theflls no plriod within which credit Iltendld fl\aY be repaid without incurring
. f.,.ncl charge.
Th. ANNUAL PERCENTAGE RATErAPR"1 I, 23.30%, corroSPondlnllO' ddy p"iodl, fill 01.06384%.
If you do nol corroly W;lh Ihl terms of this Agteemeat your ANNUAL PERCENTAGE RATE tAPR] wiD be 23.30%. corresponding to I daily periodic lite of .06384%. We reserve thl right to changt
the Annu.1 Percenllge Rate calculationl if you do not co~ly wilh Ihe terms of Ihis Agreemml.
ftn. We will ch'fQ' you. Account up to t 10 for each biRing cycle wilhin which your Account balancauceeds your credil ~ni1. lover liml leel even if your Account is closed. We will charge your Accounl
up 10 $29 lor: IIch relumed plymenl check: IIch check you write on youl Accounlthat WI rltum unpaid; each stop payment OtdBf Dr fenewal of such In OIdef: lach billing cycle within which your
Account is del"tnquenl (lata chllgel. If you requesl copies 01 bilflllg slatemenls Ihal Wl!re lirst senlto you mora Ihan three months earlier, we may charge a handling lee of $2.00 for nth copy.
Del.ull. lou will b. in defaull: il you werl not eligible for the Account at Ihe lime il was opened; il you fail 10 COl1llly with any pall 01 this Agreefmnl; if any inlormation you give us provlS 10 be
itcolf'Cllell or '1151; upon ~our dealh. bankrupICY, or insoi'lency; if you fla to pay olher debts when dUI: ill bankruPICI pelition is filed by or against you; or if we believe in good laith thlt you may
not PlY or perform your obllgalions under Ihil Agreemenl. On your delault we may. wilhoutfurlher demand or notice. cance yOUf credit plivaeges, declare your Account balance inmedialely due and pIYlblt.
,nd invokt .ny remedy WI may haVl. In Ihe event 01 your dellull, Ihe oUlslanding balance on your Account shall conlinul to Dccrue inlerest at the APRIs) disclosed in Ihe finance Cb.rge secllon or
this Agreement. netl II w. have sued you 10 coneclthe lmaunt you owe.
Credit Lln.. Yom aedit rm. is SJlecified lrom time to lime in I sepallla nOlicl. We may increase or decrease your credit line based on inlormalion we oblain from you or your credit records. Your available
c:rcdit Is normany the difference between your credit line and YOUI Account balance flncluding transactions made or authorized but not yel posted}. If you send us . large payment check. WI may linit
you, .wailab'. credil whil. we conlirm Ihallhe check wal clear. For certain trlnsactions, avl~able credit may be less. You win not use your Accounl fOI. and we may reflose to honor, any transaction
which would ClUsa you to IIceedyoullVlilablecredit.
Promls. to P.y: You pronise 10 piy us when due an amounls borrowed when you or someone e1S1 use your Accounlleven itlhe amount charged elceeds your pernissionl. all olher transactions and
dlllOIl to you' Acctlunt. and coReclion COSIS we incu' including. bul notliniled la, reuonable ellornay's lees and court cosU. Ilf you win the sul1. wa will pay your reason.ble attorney's fees and court
cosls.l
Chlngls. W. may change Iny part ollhis Agreement or add or remove requirements aller noliceas required by law. If we change Ihe finlnc. Chllges seclion oflhis Agreement. the new finance
chatO' cllculalion Will Ipply 10 your whole Accounl balance Irom Ihe Iffeclive date 01 Ihe change. whether or nol tha balance includes ilems !lasted 10 your Account belore the chanaa date and whelhet'
or not YDuconlinuelo use the Accounl.
ClnClllllfon ot Account. At any time Illef at I.ast 30 days nolice 10 you, o. without notice if petrriued by law. we may cancel the Account and your credit privileges. If your Account is cancened.
fmlnce charges .nd othef fees win conlinue to be assessed, payments will continua to be dua, and all olher appflcable provisions oflhis A9reement will remain in effect. You may cancel your cre~il
privil'UII by notilying us In writing and paying your enlire Slllemanl balance by Ihe payment due dale on the stalement which includes your Ilnal checks. cash pdvanc.s, charges. and lees. You will sliD
be tlSJIonsibl1 for plying any accrued linance charges. If your credit privileges are cancelled you may no longer wrile checks lln your Account, and you should desuoy any unused checks wa haVl issued
tOYllU.
Pllsonallnlormalfon: Dllcuments. Yllu wal give us allent 10 days notice if you change your name. home or mailing address. telephone nurrilers. elTJ;lloJrrellt or inCOITlll. You will pro~11y giye us
information .bout IOU' financialalfairs if we ask for it We may gel such infolmalion from olhers, including credit reporting agencies. and provide your ad .ress and information about. your Account to
olhers. We may I so share such infllrmalion wilh our affiliates. Hllwever, you may writa 10 us al any time instruclinll us nollo shere credit informalion wllh our allmeles. If you fail to lumllany 01
your obDglllons undllt' tlUs Agreement, a negallvI credit repon relleellng on your credit record may be subfrlned 10 credit reporting agancles.
Custom" Service: Unlu~orllld Us~, Loss, or Th,ft 01 Check~. You wiu safeguard all checks i;ssued to yllU Irom theft. II y~u discover or suspect that any unu~d ch~cks !l~e lost or stolen, or that
Iherl may be an unaulhonled Iransacllon on yout Account, you WIll nOlify us plolTJ;ltly by telephOning 1.800.964.9212. YllU Will phllne. even Ihough you may notify us In wntlOg. so WI can ICllast
10 6millosses .nd liabinlY. II you 1890ft Dr Wll suspect unaulhorized use 01 your Accounl. WI may sUSJIend your credit privileges until we resolve the problem to our satislaction. To ~rove cuslomer
serviet and security. you Igr81llhlt your calls may be monitored or recorded.
Stop P'YIll~lIt Orders. II you wish III SlOP payment on a check. YllU may send us e stop payment order by writing 10 us at our address lor customer service lisled on your biD. You cln make a Slop
payment order orllly by calhng Ihe nunter listed on youl slatemenl. When you make a slllp payment order. you roost ptovide your Account nunter and spoeillc informatIOn about Ihl! check: thl elacl
lmount. thll dill on Ihe check. tha naltlll of the party to whom it was payeble. the name 01 the person who signed it. and Ihe check number. You will be asked 10 confirm an or~1 SlOP plyment order
in writing. W. ma disre ard our oral ordlf if we do not ,eeeive a si ned wril18n conlirmalion wilhin Iwo weeb aller the oral Older or if you hlVI not adequalely described thl Itam so that paymenl
cln bl Slopp IY our co~ullr. 8 (lr Ir WI not e e eCllve I I e C Be was pal y us e ore we a a reasona e opporlunlty to aCI on Ihe order. We may, wilhout liabitity. disregard I written
stop payment order sil monlhs allet receipt unless it is renewed in wriling.
58610698
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APPLE AND APPLE
. Attorneys 01 (.ow
4GIOIAUIlIOUUYARD
PlTTSlURGH. PENNIYIiAHIA 15213
TUEPHONE: (412);12014"
WE HERUY CERn,., THE WITHIN TO II " TRUI
AND CORRECT COPY 0' THI ORIGINAL "LED IN
THIS CAn, .. ~ LE
IY~~-_.-
ATTORNEYS 'OR: --/':(;(E'_.______.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
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PROVIDIAN NATIONAL BANK
NO. 1998-6541
IN CIVIL ACTION
Defendant(s)
CODE-
FILED ON BEHALF OF
PLAINTIFF
-vs. PlaintiD(s)
PRAECIPE FOR DEFAULT
JUDGMENT
BARBARA GORNIK
COUNSEL OF RECORD
FOR THIS PARTY:
.
I
James R. Apple, Esq.
PA J.D. No. 37942
Charles F. Bennett, Esq.
PA J.D. No. 30541
Joel E. Hausman, Esq.
PA J.D. No. 42096
Marylouise Wagner, Esq.
PA J.D. No. 61095
APPLE AND APPLE, P.C.
Firm No. 719
4650 Baum Boulevard
Pittsburgh, PA 15213-1237
Telephone (412) 682-1466
Fax (412) 682-3138
IN TilE COUll'!' (H' COMMON PLEAS OF CUMBEILLAND COUNTY
PENNSYLVANIA
PROVlDlAN NATIONAL DANK
NO. 1908.01141
IN CIVIL ACTION
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BARBARA GORNIK
Deft.do,,(,)
Barbara Gornick
48 Limekiln Road
Carlisle, P A 17013
Date of Notice: ~ n ()J J ~ nQ~ ~IC~f1
( p ~ ANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED
OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE
OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT
A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT
RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ON~ GO TO OR TELEPHONE THE
FOLLOWING OFFICE TO FIND OUT WHERE YOU LiAN GET LEGAL HELP.
Lawyer Referral Service
Court Administrator
Cumberland County Courthouse
Carlisle, PA 17013
Telephone (717) 240-6200
APPLE AND APPLE, P.C.
By: v:J;:?~
Jam~: ~~. Esq.
Attorneys for Plaintiff(s)
4650 Baum Boulevard
Pittsburgh, PA 15213-1237
Telephone (412) 682-1466
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
PROVIDIAN NATIONAL BANK
NO. 1998-6541
IN CIVIL ACTION
-vs- PlaintiJJ(s}
BARBARA GORNIK
Dejendant(s}
PRAECIPE FOR SATISFACTION
OF JUDGMENT
CODE-
FILED ON BEHALF OF
PLAINTIFF
COUNSEL OF RECORD
FOR THIS PARTY:
James R. Apple, Esq.
PA LD. No. 37942
Charles F. Bennett, Esq.
PA LD. No. 30541
Joel E. Hausman, Esq.
PA LD. No. 42096
APPLE AND APPLE, P.C.
Firm No. 719
4650 Baum Boulevard
Pittsburgh, PA 15213.1237
Telephone (412) 682-1466
Fax (412) 682.3138