HomeMy WebLinkAbout00-05388
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HAYT, HAYT & LANDAU
BY: ARTHUR LASHIN, ESQUIRE
IDENTIFICATION N6 23425
SIXTH FLOOR
400 MARKET STREET
PHILADELPHIA, PA 19106-2509
(215) 926-1400
~RJGJNAL
ATTORNEY FOR PLAINTIFF
CITADEL FEDERAL CREDIT UNION
MOdena Road
Coatesville, Pennsylvania 19320
vs.
SUSAN M. DONOVAN
501 Lamp Post Lane
Camp Hill, Pennsylvania
17011
"NOTICE
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL DIVISION
TERM,
No. CO - ~3fff
Civ:l 't~
CIVIL ACTION
"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 entenng a wntten appearance personally or bY attorrley and
filing in writing with the court your defenses or objections 10 the
claims set forth against you. You are warned that if vou ,tail to do
so the case may proceed without YOU and a Judgment may be en-
tered against you by the court without further notice for any mon-
ey claimed in the complaint or for any other claim or relief request.
ed by tne plainHH. You may low money or property or other rights
important to you.
"YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT
ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AF.
FORD 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, Fennsylvania 17013
(717) 249-3166
"AVISO
"Le han demandado a usled en la corte. 51 usted quiere
defenderse de eSlas dem~ndas expuestas en I_as p1ginas siguientes,
uSled tleoe veinte_ (20) .'Jias, de plaza al partir de la fecha de la.
demanda y la notlficaclOn. Hace faHa asentar una comparenclil
'escrita 0 en persona 0 con un abogado y entregar a la corte en
forma escrita sus defensas 0 SllS ObJeeiones alas demandas en
contra de Sll ~ersona. Sea avisado que si usted no se defiende, 1(1
corte tomar'S medidas y puede contil"uar Iii demanda en contra
suya sin previo aviso 0 notificilci!in. Ademlls, la corte puede
decidir a favor del derTlandante y requiere Que usted cumpta con
todas las provisiones de esta demanda. Usted puede perder dinero
o 5US propiedades U otros derechos importantes para usted.
"l,..LEVE E.STA DEMANDA A UN A80GAOO
tNMEDlATAMENTE. 51 NO TIENE A130GADO 0 51 NO
TlENE EL DlNERD SUFICIENTE DE PAG~R TAL SERVICIO,
VAYA EN PERSONA 0 LLAME POR TELE""FONO A LA
OFICINA CUYA 01 RECCld"N SE ENCUENT RA ESCRITA
ABAJO PARA AVERIGUAR DONDE 5E PUEDE CONSEGUIR
ASISTENCIA LEGAL.
!t'
CML ACTION
1. Plaintiff, Citadel Federal Credit Union, is a federal credit union duly organized and
existing under the laws of the Commonwealth of Pennsylvania with offices located at
Modena Road, Coatesville, Pennsylvania 19320.
2. The Defendant(s) Susan M. Donovan is/are individual(s) residing at the address ( es)
contained in the caption of this case.
3. Pursuant to Citadel Federal Credit Union Mastercard Application and Agreement
(hereinafter collectively called the Agreement), a copy of which is attached hereto, made
a part hereof and marked Exhibit "A", Defendant(s) was/were issued a Citadel Federal
Credit Union Mastercard, account #419512.
4. Defendant(s) subsequently utilized the aforesaid Mastercard to make various
purchase and/or receive cash advances thereby incurring payment obligations to Plaintiff
under the terms of the Agreement.
5. Defendant(s) defaulted upon the Agreement by failing to adhere to the repayment
schedule contained therein and in accordance therewith the entire remaining balance
became due and payable immediately.
6. The Agreement requires Defendant(s) to pay a late fee if the monthly payment is
more than ten (10) days past due. The fee will be five percent (5%) of the payment due,
with a minimum charge of $5.00.
7. The Agreement further requires Defendant(s) to pay attorney's fees of twenty percent
(20%) of the balance due, or such greater amount as may be reasonable and just, together
with all costs and expenses, in the event suit is commenced to collect the unpaid balance.
8. As a consequence of the foregoing there is presently due and owing to Plaintiff by
Defendant(s) the following sum(s):
Unpaid balance $4,952.61
Interest: 194.40
Late charge: .00
Attorney's fees: 990.52
Total Due: $6,137.53
9. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to
pay the aforesaid sum.
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WHEREFORE, Plaintiff demands that judgment be entered against Defendant(s) in
favor of Plaintiff in the amount of $6,137.53 together with interest and costs.
By:
Arthur Lashin, Es uire
Attorney for Plaintiff
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MasterCard" Line of Credit Agreement
Agreement between Citadel Federal Credit Union (hereinafttr "Credit Union") and the below
undersigned borrower(s): The purpose of lhis Agreement is to eslablish the terms and conditions of a
woe of Credit, wlricb will be used for provident and productive purposes. In this Agreement the
words "r' or "my" mean each person who applies for tbe MasterCard credit card or who signs this
Agreement or who uses the credit card or 4uplicate credit card The word "card" means your
MasterCard credit card and duplicates of said card. The word "account" means your MastelCard
credit card revolving credit account with the Credit Union.
}, I hereby apply for a line of credit that I aiD use from time to time and which may be replenished
by payment on amounts previously draWll
2. Signing Ibis Agreemem establisbes my request: for the issuance of a MasterCard Credit Card.
Approval ,by the Credit Union Loan Review Committee or Loan Officer will establish the
following:
(a) The credit limit approved shall be determiDed by the Credit Union, and this credit limit wiil
be drawn upon as I utilize an issued MasterCatd Credit Card
(b) The line of credit win be repaid in accordance with terms and conditions issued by
MasterCard International, Inc., and in accordance with policies established by the Credit Union's
Board of Directors.
3. A Fillante C1wge will be imposed on MasterCard Cash Advances that you obtain through the
use of your MllSIerCard as of the date of each such Cash Advance slid will continue to aa:rue
lUltil date of payment. A F"mance OIarge will be imposed on the unpaid balance for Credit
Purchases from the statement closing date arid on Credit Purchases made during the current
billing cycle from the dale of poWng of each such Credit Purchase to your accounl and will
connnue to accrue urtfil the date the aa:ount baJance is paid in full only if the New Balance
indicated on your statement for the prior monthly period is not paid ill full wilhin 25 .tlys after
the statement closing date. If tbe ~ew Balance indicated on your statement for the prior monthly
period is paid in fuU within 25 days after the sw.tement closing dale, no FlllllnCe Otarge will be
imposed on Credit Putchases h1ade during the current billing cycle.
4. The Periodic Rate used to compute The FlIIBnce Lllarge is 1.24% per month. The corresponding
Annwd Percentage Rate is 14.88%, provided, however that the periodic rate and corresponding
Annual Percentage Kate may, from time 10 time, be increased (IS days after notice is mailed)
or decreased on all orcenain dazes of loans as the Boani of Directors of1he crewt Union may
determine, but win not exceed the muimum by law. (The Aitnual PeJUDtage Rate applicable
on the dale of each loan advance sha1I not be increased with respect to the oUlSlanding balance
unless an addition(ll advance is made under tbatloon account.)
5. The Ftnance Qwge for a billing cycle is computed by applyipg lite monthly Periodic Rate 10
the Average Daily Balance, which is Detenni:rn:d by dividing the sum of the daily ba1ances
during the bmlug cycle by the number of days in the cycle. Each daily balance is detennined by
adding to the Previous Balance (The outstancting ballU1ce in the account at beginning of the
billing cycle) all new MasterCard Cash Advances as made and if the Previous Balana:: was not
paid in run within the first 2S days of the billing cycle, all new Credit Purchasei as pasted
through that dale, but excluding any unpaid FQ1jUJce 01arges.
6. In event of suit 10 collect UIlpaid balances, all Cl)jls, including attorneys' fees of 20% of the
balance due, or such greater amounts as may be reasonable and just and also those costs,
expenses and atI~ys' fees incurred in ap~1e proceedings, shall be imposed
7. Issuer has the right to apply the proceeds of any collateral now or hereafter pledged to Issuer to
secure paylDCnt of other indebtedness with Issuer to the payment of your unpaid balance in
event of non-payment.
8, I undersllUld and agree that the Credit Union has the authority to impress and enforce a lien on
all present and futUre shares in my name 10 the extent of that unpaid balance in evellt of
nOll-payment.
9. The minimum periodic payment required is the tota1 New Balance as shown on your monthly
biUing statement if the amount is un~er $10.00 IT the New Balance exceeds SI0.00, the mininlU~
periodic payment is 3% of that pamon of the New Balance which does not exceed your credit
limit, plus the entire portion of the New Balance in excess of your credit limit. plus any amount
past due, or Slo.00, whichever is greater.
10. If I lose my MasterCard or it is taken, J will report the lost card 10 the Credit Union as soon as
p<$ible. Replacement cards will be given to me at a cost of 510.00.
II. If I exceed my crOOit limit by more than $25.00, an overlimit fee of 10% of the amount overlimit
wI] be' assessed. notlO exceed $50.00, and in no case less than $5,00,
12 The Credit Union may charge a late fee if my monthly payment is more than IO days past due.
The fee will be 5% of the payment due, with a minimum charge of $5.00. .
13. I promise to pay any and all charges incurred by me or by any person whom I authorize to use
MasterCard Credit Card issued to me.
14. As a holder of a MasterCard Credit. Card, I understand that I can repay any outstanding balance
prior to maturity in whole or in pa~ at my option without penalty.
IS. r recognize <lJId agree that I will aa:ept any other conditions established by the Credit Union's
Board of Directors Ihat are necessary to protect Ihe best interest of the Credit Union and to
comply with applicable Federal and State Jaws and regulations, except that the Credit Union
may not assess any other charges to which I have not expressly agreed.
16. I acknowledge and agree that the Credit Union's Loan Review Commiuee lIlay tenninate this
Agreement under the following conditions:
(8) Upon adverse re-evaluation of my creditworthiness.
(b) Upon my failure to satisfy the tem1S of thili Agreement and the terms -and conditions
establ~hed by the Credit Union's Board of Directors and by MasterCa.rd Internationa~ loe.
(c) At my option or lit the Credit Union's option if it has good cause.
j7, If my line of credit is to be rerminated by the Credit Union. J shall receive wrinen notice of such
termination; bowever, I undemand and acknowledge thai such lermination shall not,affect my
obligation to pay any outstanding balance.
18. I undezstand that the Credit Union's 80ard of Director.; is reqnired to review my loan file at least
once every 12 months. and I hereby give my permission 10 and authorize the Credit Union's
Loan Review Committee to investigate and rt-lWlesS my creditwOrthins
19. I understand that a reapplication by me and approval by the Credit Commiuee or Loan Officer
shall be uired if.
(a) The ~t limit is increased or
(b) The terms of payment are extended beyond the terms of the origjt1ll1 agreemenL
20. I Fully understand, acknowledge and agree that if my loans become delinquent or past due, my
MasterCa,rd Credit Card shall be revoked. unless the Loan Review Committee or the Loan
Officer determines that extenuating drcumstances have conmbuted to !he delinqu~CY; I under
such circumstl:lnces.lhe Loan Review Commiuee, lat lis option, may approve my conrinued use
of the MasterCard Credil Card
D..H181l. "44
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COMMONWEALTH OF PENNSYLVANIA
.
.
SS
COUNTY OF CHESTER
AFFIDAVIT
Joseph Pawlowski , being duly sworn according to law, deposes and
says that he is Vice President, Branch Administration, for Citadel
Federal Credit Union, and that he is duly authorized to take this
Affidavit on behalf of Citadel Federal Credit Union, and that the
facts contained in the attached pleading are true and correct to
the best of his information, knowledge and belief.
~- ?/~.
Jose h Pawlowski
Vice President, Branch Administration
Sworn to and subscribed
before me this c2& day
Notarial Seal
Denise A. Fowler, Notary Public
Cain Twp., Chester County
My Commission Expires May 5, 2001
Member, Pennsylvania Association oj Notaries
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SHERIFF'S RETURN - NOT FOUND
1
CASE NO: 2000-05388 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
CITADEL FEDERAL CREDIT UNION
VS
DONOVAN SUSAN M
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named defendant, DEFENDANT
DONOVAN SUSAN M
but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT & NOTICE
, NOT FOUND , as to
the within named DEFENDANT
, DONOVAN SUSAN M
DEFENDANT NO LONGER RESIDES AT ADDRESS STATED
LEFT NO FWDG, RETURN NOT FOUND AS PER ATTY.
Sheriff's Costs:
Docketing
Service
Not Found Return
Surcharge
18.00
9.30
5.00
10.00
.00
42.30
~~
R. 'Thomas Kline
Sheriff of Cumberland County
HAYT, HAYT & LANDAU
08/14/2000
Sworn and subscribed to before me
this
/~-1!:
day of ()"r~
;2i17/O A.D.
~, 0 IM,PI,.], ~"'~
Pr h notary
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r
TRUE COpy FROM RECORD
In TestImonywl1ereOt, I hereunio sttmy hand
am the ~of dasaid at Carlisle, Pa.
, "-' y
HAYT, HAYT & LANDAU
BY: ARTHUR LASHIN, ESQUIRE
IDENTIFICATION NEl 23425 ATTORNEY FOR PLAINTIFF
SIXTH FLOOR
, 400 MARKET STREET
PHILADELPHIA, PA 19106-2509
(215) 928-1400
CITADEL FEDERAL CREDIT UNION
MOdena Road
Coatesville, Pennsylvania 19320
vs.
SUSAN M. DONOVAN
501 Lamp Post Lane
Camp Hill, Pennsylvania 17011
-
lCERTlfY 'l)It Wi!HI'~
.. OF THE ORiG
lHl$ CASE.
__for Plaintilt
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL DIVISION
TERM,
No.OO -S.1?f 0<,.;.l
CIVIL ACTION
"NOTICE
"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 {201 days after this complaint and notic.e are served,
by entering a Written appearance perSonally or by 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 t.ail to do
so the case may proceed without you and a judgment may be en-
tefed against you by the court without further notice 10r any mon-
ev claimed in the comolaint or for any other claim or relief request.
ed t)y the plaintiff. You may lose: money or property or other rights
important to you.
"YOU SHOULD TAKIS THIS PAPER TO YOU~ LAWYER AT
ONCE. IF VOU DO NOT HAVE A LAWYER OR CANNOT AF.
FORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO F1ND OLlT WHERE vOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, Pennsylvania 17013
(717) 249-3166
~~ T,.,,-
"'
"AVISO
"Le han demandado a usled en.la cOfte. 51 usted quiere
defenderS,e de e5tas dem!!ndas expuestas en I.as P1,ginas slguientes,
u<;.ted tlene \/einte (20) dias, de plaze at ,artl! de la ~ect\a de la
demanda y la notificacl6n. Hace 'aUa asentar una comparencia
escrita 0 en persona 0 con un abogado y entregdr a la corte en
{(nma esc.rita sus defensas 0 sus obledones alaS demandas en
contra de ~u persona. Sea avlsadO Que 51 usted no 5e aefiende, la
corte tomar1 medidas y puede continuar la demanda en contra
5U\la 'i>in pre"io a"iso I) noHficZlcf!}n. Aderriil.s. \a cOlte puede
decioir a favor del demandante y requiere Que usted cumpla con
toda'S las provisiones de esta demanda. U5ted puede f;1erder dinero
o 'i>U$ p'op\edades u ot'05 derecn05 lmportantes para usted.
"LLEVE ESTA DEMANOA A UN A80GADO
INMf:QIATAMENTE. SI NO TIENE A'90GADO 0 SI NO
TIENE EL DINERO SUFICJENTE DE PAG~R TAL SERVICIO,
VAVA EN PERSONA 0 LLAME POR TELE'FONO A LA
OF/CINA CUYA OIRECCld"N.SE E:NCUENTRA ESCRITA
ABAJO PARA AVERIGUAA DONOE SE PUEDE CONSEGUIR
A51STENClA LEGAL
,~
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CML ACTION
1. Plaintiff, Citadel Federal Credit Union, is a federal credit union dilly organized and
existing under the laws of the Commonwealth of Pennsylvania with offices located at
Modena Road, Coatesville, Pennsylvania 19320. .
2. The Defendant(s) Susan M. Donovan is/are individual(s) residing at the address ( es)
contained in the caption of this case.
3. Pursuant to Citadel Federal Credit Union Mastercard Application and Agreement
(hereinafter collectively called the Agreement), a copy of which is attached hereto, J,Ilade
a part hereof and marked Exhibit "A", Defendant(s) was/were issued a Citadel Federal
Credit Union Mastercard, account #419512.
4. Defendant(s) subsequently utilized the aforesaid Mastercard to make various
purchase and/or receive cash advances thereby incurring payment obligations to Plaintiff
under the terms of the Agreement.
5. Defendant(s) defaulted upon the Agreement by failing to adhere to the repayment
schedule contained therein and in accordance therewith the entire remaining balance
became due and payable immediately.
6. The Agreement requires Defendant(s) to pay a late fee if the monthly payment is
more than ten (10) days past due. The fee will be five percent (5%) of the payment due,
with a minimum charge of $5.00.
7. The Agreement further requires Defendant(s) to pay attorney's fees of twenty percent
(20%) of the balance due, or such greater amount as may be reasonable and just, together
with all costs and expenses, in the event suit is commenced to collect the unpaid balance.
8. AB a consequence of the foregoing there is presently due and owing to Plaintiff by
Defendant(s) the following sum(s):
Unpaid balance $4,952.61
Interest: 194.40
Late charge: .00
Attorney's fees: 990.52
Total Due: $6,137.53
9. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to
pay the aforesaid sum.
I
,
'~ .. l'.! _
H
,
WHEREFORE, Plaintiff demands that judgment be entered against Defendant(s) in
favor of Plaintiff in the amount of $6,137.53 together with interest and costs.
HAYT, HAYT & LAND
By:
Arthur Lashin, Esquire
Attorney for Plaintiff
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MasterCard,. Line of Credit Agreement
Agreement between Citadel Federal Credit Union (hereinafter "Credit Unionj and the below
undetsigned bonower(s): The purpose of this. Agreement is to est:ablish the tetms and conditions of ll.
Line of Credit. which will be used fot provident and productive purposes. In this Agreement the
words "I" or "my" mean each petsOD wbo applies for the MaswrCard credit card or who signs tbis
Agru.mem or who uses the credit card Of ~uptita1e credit card. The word "card" means yout
MasterCard credit cud and duplicates of said card. The word "aa:ount" means your -MasterCard
aedit card revolving aedit accOllDt with the Credit Union.
1. r hereby apply for a line of ~t that r can use from time to lime and which may be teplenisbed
by payment on amowtts previously drawn.
2 Signing this Agreement establishes my request for the issuance of a MasterCard Credit Card.
Approval ,by the Credit Union Loan Review Commiuee or Loan Officer will establish the
following:
(a) The credit limit approved sba1l be detell'llined by lhe Credit Union. and this craiitlimit will
be drawn upon as I utilize an il;sued ~ Credit Card.
(b) The line of credit wiD be repaid in accordance with lenns and condinons issued by
MlISterCard International, lac., and in llCCOrdance with policies established by the Credit Union's
BclaIdcfDitec.tms.
3. A Finance Cbarge will be imposed on MasterCmi Q1sh Advana:s that you obraio through the
use of ytIur MaslerCard as of the date of each such Cash Advance and will continue to ao::rue
IlIlotil date ill paymem. A. FinaJlce Omrge will be imposed on the unpaid baiance for Credit
PlU'ChaselI from the statement closing date and on Credit Purchases made during the current
billing cycle liOln the date of posting of each such Credit PI1rchase to your aocount and win
continue to accrue unrill:he date !be account balance is paid in fun only if the New Balance
indicated on your slatement for the prior monthly period is not paid in full within 2S days after
the statement closing date. If the New Balance indicated on yol1l' staleJllent for the prior monthly
periro is paid in full within 2S days after the stlltement closillg date, no FirllInce Charge will be
imposed on credit Purchases made during the cmrent billing cycle.
4. The Periodic Rate tL'led to compute The Finauee Cbarge is 1.24% per month. The corresponding
Annual Percentage Rare is 14.88%, provided, however that the periodic rate and com:spnnding
APDuaI Percentage Kate may, from time 10 time, be increased (15 days after notice is mailed)
or decreased on aU orcettain classes of!01lnsas the Board of Directors of the Credit Union may
determine. but will not exceed the maximum by law. (The Aimuai Percentage Rue applicable
on Ihe date of eadlloan advance sha11 not be inaeased with respect to Ibe outstandiIlg balance
unless an additional advance is made under that loan aa:oua.t.)
5. The FIIUUICe Charge for a bilIillg cycle Is computed by applying the UlondUy Periodic Rate to
the Average Daily Ba.Iance. which ls Detennined by dividing the sum of the daily ba1ances
~ thebilliag cycle by the numberofda.~inthecyde. Eachdtilly~isdetf:tminedby
adOing to Ibe Previous Balance (The olllUandiDg ba1ance in the account at beginning of the
billing cycle) all new MuIelCard Cash Advances as made and if the PreviollS Balance was not
paid in full within me ~ 2S days of \be biUing cyde, all new Credit Purchases as }Qted
through that dale, but excluding any unpaid F1naace Chsrges.
6. Iu event of suit to collect unpaid balances, aU C(Q, including attorneys' fees of 20% of the
balance doe. or such greater amounts as may be reasonable and just and also those costs.
expenses and attc;'rneys' fees incuned in a~ proceedings, sblli1 be impnsed
7. Issuer has tbe right to apply the proceeds of any collateral now or hereafter pledged to Issuer to
'Sl:CUre payment of other indebtedness witb Issuer to the payment of yo~r unpaid balance in
event of non1Jltyment
8. I understand'atld agree that the Credit Union has thel authority to impress and enforte a lien on
an present and future sbares in m)' name \0 \he extent of that unpaid balance in evem of
non-paymel1l
9. The minimum periodic payment required ill the total New Balance as shown on your monthly
billing statement jf the amount is under $10.00 If the New Balance exceeds $10.00. the minimum
periodic payment: is 3% of that portion of the New Balance wbich does not exceed your credit
limit, plus the entire portion of the New BallUlce in elCcess of your credillimit, plus aoyamounl
past: due. or $IO.oO, whichever is greater.
IO.lt I leMe my MasterCard or il is taken. I will report the lost card to the Credit Union as soon as
possible. Re~t canis will be given to me al II. cost ofSlO.OO.
U. If I exceed my credit limit by more than $25.00, an overlimit fee of 10% oftbe amooot Overlimil
will be assessed, DOl 10 exceed 550.00, and in flO case less than $5.00.
12 The Credit Uilion may cbacge a late fee if my monthly payment is more tban 10 days past due.
The fee will b::;% of the payment due, with a minimum charge of S5.00. .
13. I promise to pay any and all charges incurred by me or by any person whom I authorize to use
MllMCtCatd Credit Caw issued to me.
14. As a holder of a MasterCard Credit Card, I understand that I can repay any ouwanding ba.kutce
prior to maturity in whole or in part at my option witboUl penalty.
15. I recognize a~ agree mat I will accept any other conditions established by the Credit Union's
Board of Direams that are neCeSSary 10 protect the best interest of the Credit Union and to
compJy with 'appJicable Federal and Stale laws and regulations, except that the Credil Union
may not asstS:anyolhet charges to which I have nol expn:ssly agreed
16. r acknowledge and agree that the Credil Union's Loan Review Committee m~ terminate this
Agreemenr: under the foUowing conditions:
(a) Upon adverz re-evalualion of my creditworthiness.
(b) Upon my failure to satisfy the terms of this Agreement and the tennS and conditions
established by the Credit Union's Board of Directars and by M/lSlerCani International. Inc.
(e) At my option or at tbe Credit Union's option if il has good cause.
17. Urny line of credil is to be lem1inated by the Oedit Union, I shall receive written not:ice of such
tem1ination; however, I undem8nd and acknowledge that such termination shtill nel affect my
obligation to pay any oUl5tanding balance.
18. I understand that me Credit Union's Board of Direcr:ors is required 10 review my loan file at least
once e:very \2 months, and I hereby give my permissimt \0 and authorize the ClI::OO Union's
Wan Review Committee to investigate and re-assess my creditwortltiness.
19, I understand that a reapplication by me and approval by the Credit Committee or toan Officer
shall'oereqniredi&
(a) The Credit limit is increased; or
(b) The temlS of payment are extended beYOnd the termS of the original agreemenL
2D. 1 FllIIy Wlderst;md. acknowledge and agree that if my loans become delinquent or past due. my
MllsterCa.rd Credit Card shall be revoked. unless tbe Loan Review Commiuee or Ute l..oan
Officer derermines that e~Ualing ciraunstallC;S have contributed to !he delillqlJ':l1C:r,! under
such cireumsrarlCe$, the loan Review Committee, lat its option. may approve my continued use
of the MasterCard Credit Card
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COMMONWEALTH OF PENNSYLVANIA
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COUNTY OF CHESTER
AFFIDAVIT
Joseph Pawlowski , being duly sworn according to law, deposes and
says that he is Vice President, Branch Administration, for Citadel
Federal Credit Union, and that he is duly authorized to take this
Affidavit on behalf of Citadel Federal Credit Union, and that the
facts contained in the attached pleading are true and correct to
the best of his infor.mation, knowledge and belief.
q;ur- V~.
Joseph Pawlowski
Vice President, Branch Administration
Sworn to and subscribed
before me this c9& day
Notarial Seal
Denise A. Fowler. Notary Public
Cain Twp.. Chester County
My Commission Expires May 5, 2001
Member. Pennsylvania Association of Notaries
of -:Iu.ne....
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IfJj!l~.jillA)~1
Notary P
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CML ACTION
1. Plaintiff, Citadel Federal Credit Union, is a federal credit union du1y organized and
existing under the laws of the Commonwealth of Pennsylvania with offices located at
Modena Road, Coatesville, Pennsylvania 19320.
2. The Defendant(s) Susan M. Donovan is/are individual(s) residing at the address( es)
contained in the caption of this case.
3. Pursuant to Citadel Federal Credit Union Mastercard Application and Agreement
(hereinafter collectively called the Agreement), a copy of which is attached hereto, made
a part hereof and marked Exhibit "A", Defendant(s) was/were issued a Citadel Federal
Credit Union Mastercard, account #419512.
4. Defendant(s) subsequently utilized the aforesaid Mastercard' to make various
purchase and/or receive cash advances thereby incurring payment obligations to Plaintiff
under the terms of the Agreement.
5. Defendant(s) defaulted upon the Agreement by failing to adhere to the repayment
schedu1e contained therein and in accordance therewith the entire remaining balance
became due and payable immediately.
6. The Agreement requires Defendant(s) to pay a late fee if the monthly payment is
more than ten (10) days past due. The fee will be five percent (5%) of the payment due,
with a mininmm charge of $5.00.
7. The Agreement further requires Defendant(s) to pay attorney's fees of twenty percent
(20%) of the balance due, or such greater amount as may be reasonable and just, together
with all costs and expenses, in the event suit is commenced to collect the unpaid balance.
8. As a consequence of the foregoing there is presently due and owing to Plaintiff by
Defendant(s) the following sum(s):
Unpaid balance $4,952.61
Interest: 194.40
Late charge: .00
Attorney's fees: 990.52
Total Due: $6,137.53
9. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to
pay the aforesaid sum.
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WHEREFORE, Plaintiff demands that judgment be entered against Defendant(s) in
favor of Plaintiff in the amount of $6,137.53 together with interest and costs.
By:
Arthur Lashin, Esquire
Attorney for Plaintiff
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MasterCardTM Line of Credit Agreement
Agreemenl between Gtadel f'edeml Cn:dit Union (hereimJfter ..Credit Unionj and tbe below
nndmigncd borrowm(s):: The purpose dtms Agteemcfd: is 10 establish tho lermSandcandidons ofa
line or Credit. which will be used for providez:tt and pmdudive purposes. In this Agreemeut the
words "r' or "my" mean eou:b petson wbo applies for the MasrerCard ~ card or who signs tbis
Agn:emen!: at who 1lSe! the credit caId or quplicale aedit card. The word "card" means your
MasterCard credit card and dupliaues of said c;Ud. The word "account'" means your MasterCard
credit card revolving credit account with !be Credit Union.
1. r hereby apply for a line of aedit dw I can use from time to time elld which may be replenished
by payment 011 amoUlllS previol6ly dlawn.
2. Signiog this Agrce:mem _blisbes my request fur the issuance of a MasIerCanI CrediI Card.
Approval'by lhe Ctedic. Union LoaD Rmew Conunittee or Loan Ofticet will establish the
fo1lowing:
(a) The credit linbt approved shalJ be detenniJJed by the Credit UIlion. and this credit limit wiD
be drawn l!pon aJ I uIiizc an itiued MastetCa1d Cledit Card.
(b) The line or CRdit wiD be repaid in ac:cordano: with terms and couditions issued by
MasterCard InlenuuionaJ, Inc.. and in accordance with policies established by the Credit Union's
Board ofDin:ctors.
3. A JilDance ClIaqe will be imposed 0'110 MasterCard Cash AdYanCeS that: you !)blain through the
use of your Masct:rCani as at' the date of each such Casb Advance and will conlinue to accrue
IIQIiI dace of payment. A Finance a..ge will be imposlld on the unpaid baIaru:e for Credit
Pwchases from the SlaleIDelR closing date and on Credit 1'urcbases made during the current
bi1ting cyck. from the date Q{ ~ of a.a.. sw:h Ctedit. f\m::hase to ,out aa:mmt al1d will
continue 1O.aa:rue _ the date thellCCOlDK ba1at.lo:! is paid ia l'u1I ou.Iy if tlze New Balance
indicated Od your:statement for the prior monthly period is not paid in full within 2S days after
lbe .s1atemeZll ciosiDg date. If the New Babula: indiQlted on your statemeDt for the prior momhly
period is paidia lVII wimm2S days after the stateatedl dosing date, dD FinlnaaI: OlargewiIl be
imposed on Credit Pwcbases made during the current biUing cycle.
4. The Periodic Rale used to comJ*t'C The Finaoc:e Charge is UG pet' monlb. The c:onesponding
AmluaJ ~ Rate is I.4JJ8%. PlOwlied,' however tbat die periodic r.Ue and oonespondiug
ADaual Pen:eatage Mate may, from cime ro tUne, be: izlcreascd (15 days after notice is mailtd)
or decreased ODaD or censinclaDes-oiJoans as the BoaRi ofDireaors of the Credit Union may
determine. but will not exceed the maxiJllUm by law, (The Aimual Pen::eacage B.Ue applicable
0D the. date of ead\ !oan a1iWom: sbaIl ftDt be ~ wish n:sped to the ouuumding bll1ana:
unless an ~ adVllnlle is made under f,bat Joan lIOOOUnt.)
5, The Fidance Cbarge fot a biIliDg cycle is computed by appl)ing the monthly Periodic Rate to
!be Average Daily Balani:e. which is Deter:mined by diWfipg 1bc,$WI1 of lbc daily balances
during the biBUtg cycle by !he number of days fa the cycle. Ea.cb daily baJaoce is determined by
adding to tbe Previous &:lance (The odtStanding balance in die ao:aum at beginning or the
biDias' cycle) all new MaszerCatd Cash Ad\lllDCtS as made and if lbe Previoll9 BaJance was noc
paid in CuU within die fim 2S QaJS of tile biUina: eycIc. aU new Credit Pnrebases as posted
_lbatdale, ............."'y....,.u.! _Cboqps.
6, In everu of soil to collect unpaid baJana:s, aU CC&IS, including auomeys' fees af 20% of !he
baiance due, or such greater llU10UDts as may be reasonable afldjU5l: aud aka those costS,
CxptIl5a and ~' fea incurred in appellate procccc;iingt, sbalJ be impcsed.
7. Issuer has the right to apply the ~ of any coIlstttalllow or hereafter pledged 10 Issuer to
secure paymeo! of oilier indebtednCllii \Vim, fm1er to the payment of your unpaid ba!ance il'l
ewn! of non-paymenL
8. J l1tltimtaad and t1gree that Ihe Credit Union bas the aurhority to impress and enforce a fien on
all preseat and future shares in my Game to the extent of that unpaid balance in ~ o!
9. .:;:-:~ peticdic payment required is the total New Balance as shown on your monthly
'ommg S1alC1'Wl\ if \be amoont is under S1O.00 <<"the New Bahuu::e ~ SI0.00, me nrit\imum
pWodic p&ymelll: is 3% of that porrioo of the New Balance. which does not exceed your credit
limit, plus the entire portion of the New Balauce in CllCeSS of your credit limit, piUS any amount
past due. or SI01lO. wbichevef is greater. .
10. If r ICIie my MasterCard or it is taken. f wm report the hm: card !O die Credit Union as soon as
possible. Replaa:meDt catds will be given to me al a CQit of $10.00.
U. If I exceed my credit limit by lJl()ff: than $25.00, an overlimit fee of 10% of the amount Overlimil
will be assessed, not to exceed 150,00, and in no case le:ss thatI $5.00,
12 The Credit Union may ebarge a IIlte. fee if my tmmlbly payment iY. tnme \Ium ~O daY' past due.
The fee win be 5% of the payment due. with a minimum charge of $5,00. .
13. I promise to pay any and all charges inmured by me or by any pet5Ot1 whom 1 authorize to use
MasterCard Credit Card issued to me.
14. As a bolder of a MasterCard Credit Card, I undetstaad that r aUl repay any oUlStu1ding balance
prior to matUrity in wbcle or in part at my option without penallY,
15.1 recagnize and agil:e that E will accept any other conditions established by the Credit Union's
Boatd of Direc10rs that Jre necessary to proteCt the best in~ of the Credit Union and to
eomply wiID applicable fcdaal and S~le 1a\W W n:gu\a1ions. uccpt that the Credk U~
may ItOt ass::ss auy odler clwges to which I have not ~y agreed
16. r acknowledge and agree- that the Credit Union's Loan Review Commiuee may terminao: thi5
Agrec:mem: under the foUowing caoditious:
(a) Upon advenc rc-evaI~ of my credilwonhi~ess. _ .
(b) Upon my fai(~ to satisfy lhe renns of this Agrecmenl and the termS and coudillOns
estab1&hed by the Credit Union's Board of Direarns and by Ma5b:rCani International, rile.
(c) At my oplion or at the Credit Union's option nil has good cause.
17.lt'my linecl <:w.dil is. to be: tenninated by theCtedit Uaion.,l shall reo:i-....: wriuen noticeafsucb
tennination; however, I UJUIemand and acknowledge thai such lenttinaoOd shall not a!fed my
ob1iption to pay any oUlS1llJ1ding balance.
18. I undemand that lhe Credit Union's Board of Directors is required to review my loanlile at least
once every J2 rnonw. aod I bereby give my permission to and authorize rhe C.redit Union's
Loan RevieW Committee to invesligate and re--assem my creditwonhiness.
19. I UDderstand lha!: a :eappliauian by me and approval by the Credit Cmnminee ar Loan Officer
_be""","",re
(a) The Creditlimlt is. increased: or
(b) The temL'!l of payment are emnded beyond Ihe terms (Jf the original agrEeSPent
20. I FuUy lUldetsland, aclmcwledge lUId agree that if my loans becomlfdelinquetll or past due. my
MasterQud Credit Card sban be revoked. UDIess the Loan ilevicw CammiKee or the ,Loan
Officer derermines that exleDUaling cin:umstana:s have COtltnbuted to the de!ioqU':1lCy; 'under
such cimunslances, the Lean Review Committec.lat its (JPtion. may approve my continued use
of 1ho Ma.terCanI Credil Card.
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COMMONWEALTH OF PENNSYLVANIA
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COUNTY OF CHESTER
AFFIDAViT
Joseph Pawlowski , being duly sworn according to law, deposes and
says that he is Vice President, Branch Administration, for Citadel
Federal Credit Union, and that he is duly authorized to take this
Affidavit on behalf of Citadel Federal Credit union, and that the
facts contained in the attached pleading are true and correct to
the best of his information, knowledge and belief.
q"J~_ ~~.
Joseph Pawlowsk1
Vice President, Branch Administration
Sworn to and subscribed
before me this c9~ day
Notarial Seal
Denise A. Fowler, Notary PubUc
Cain Twp., Chester County
My Commission Expire. May 5, 2001
Member, Pennsylvania AsSOciation of Notaries
of -:JUJ'lt:..
, 2 oa:>
1ii/flJet/.jfJ{J~/
Notary
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All.
HAYT, HAYT & LANDAU
BY: ARTHUR LASHIN
IDENTIFICATION NO. 23425
SIXTH FLOOR
400 MARKET STREET
PHII.ADELPHIA, PA 19106-2509
(215) 928.1400,
ATTORNEY FOR PLAINTIFF
CITADEL FEDERAL CREDIT UNION
CUMBERLAND COUNTY
COUR T OF COMMON PLEAS
CIVJL DIVISION
VB.
TERM,
SUSAN M. DONOVAN
No. 00-5388 CIVIL TERM
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
TO THE PROTHONTARY:
Kindly discontinue the above captioned matter without prejudice.
BV:
Attorney for Plaintiff
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