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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CITIBANK, N.A.
Plaintiff
No, 01 - 263/
Cl()~ll~
vs,
COMPLAINT IN CIVIL ACTION
PEGGY ALLISON
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James McNally, Esquire
PA I.D, #78341
WELTMAN, WEINBERG & REIS CO., L.PA
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#021 08237
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CITIBANK, NA
Plaintiff
vs,
Civil Action No,
PEGGY ALLISON
Defendant
COMPLAINT IN CIVIL ACTION AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this complaint and notice are served, by
entering a written appearance personally or by an attorney and filing in writing with the court your
defenses or objections to the claims set forth against you, You are warned that if you fail to do so the
case may proceed without you and a judgment may be entered against you by the court without further
notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff.
You may lose 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 AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW
TO FIND OUT WHERE YOU CAN GET LEGAL HELP
LAWYER REFFERAL SERVICES
Cumberland Co, Bar Association
2 Uberty Avenue
Carlisle, PA 17013
(717) 249-3166
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COMPLAINT
1, Plaintiff is a corporation with offices in Sioux Falls, South Dakota, 55117-6124,
2, Defendant is an adult individual residing at 6304 Valleybrook Drive,
Mechanicsburg, PA 17050,
3, Defendant applied for and received a Citibank Business credit card issued by
Plaintiff bearing the account number 5472-3300-0076-3846,
4, Through the retention and use of the aforesaid account, Defendant became bound
by the terms and conditions of the cardholder Agreement, a true and correct copy of which is
attached hereto, marked as Exhibit "1" and made a part hereof.
5. Defendant made use of said credit card and has currently a balance due and
owing to Plaintiff, in the amount of $5,560,17, as shown by Plaintiff's Statement of Account
attached hereto, marked as Exhibit "2" and made a part hereof,
6, Defendant is in default of the terms of the cardholder Agreement having not made
payment to Plaintiff as promised, thereby rendering the entire balance immediately due and
payable,
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7, Plaintiff avers that the Agreement between the parties provides that Defendant will
pay Plaintiffs attorneys' fees,
B, Plaintiff avers that such attorneys' fees will amount to $1,390,04
9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed
and/or refused to pay the principal balance, finance charges, attorneys' fees or any part thereof
to Plaintiff,
WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant, Peggy
Allison, individually, in the amount of $6,950,21 plus costs,
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL
BE USED FOR THAT PURPOSE.
WELTMAN, WEINBERG & REIS, CO" L.P,A,
James McNa ,Esquire
PA 1.0, #7834
WELTMAN, EINBERG & REIS CO" LPA
2718 Koppe Building
436 Seve Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#:021 08237
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SEP 29 '97 02:30PM
,'112/97' FRI 10: 10 FAX 605 357 20&7
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BUSINESS CARD
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Citibank MasterCard~
Business Card~
Agreement
This Agreement governs the eitibank MasterCard Business
Card Account (tfie "Account") lor the Company and each
person issued a Card on the Account. PI~ase read it and keep
it for your records. The Agreement becomes effective once
the C<lrd is used.
AgreementTerms: '
In this Agreement: ttle word "Bank" me.ans Citibank (South ,_
Dakota). NA, the word "Card" means either one or more
cards Issued by the Bank in connection with the Account. The
word "Company" meens the business entity that applied for
the Account: the word "Cardmember" means each Individual
designated by the Company who is issued a Card by the
Bank.
About The Account And The Card:
An Account may be opened only in the name of the Company.
The Company and the Cardmember agree that each lrans-
action made on the Account will be primarily lor a business or
commercial purpose. CardS will be sent to the Company lor
distribution to each Cardmember, The Cardmember must sign
the Card in order to use it. Only one Card will be il,sued per
Cardmember. The Card must be returned to the Bank upon
request
Company Representative: .
The Company shall deSignate one person to represent the
Company in the administration of the Account. The represen-
tative shall: (i) be familiar with all aspects of the Account: (ii)
handle all Company and Card member inquiries and billing
disputes, credit line increase requests. and other requesls
and notices under this Agreement; (Iii) upon request provide
the Bank with such information and documentation the Bank
deems necessary to protect its interests in the Account: (iv)
promptly advise Ihe Bank of the termination of a Cardmem-
ber's relationship with the Company; and (v) upon such ter-
mination. collect. cut in half, and return to the Bank the Card
of the Card member.
EXHIBIT---L-
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BUSINESS CARl)
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SEP 29 '97 02:30PM 2 8
il'!! 21 9, FRI 1U: u rM ou5 ,357 0 7
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the Bank is notified or $50, whichever is less, The Bank oan be
called 24 hours a day, 7 days a weak. II me Card is found or .
returned alter the Bank has been notified, 1M Card may not'
be used. It must be cut h1 hall and returned to the Bank, .
Company AnclCardmember l)s1ault: ...
The Company will be in dalault if the Minimum Amount Due Is
nol p'aid by the Payment Due Date or if the Company flies lor.
banKruptcy,lails to meet f!4ny ollis obligations in thiS Agree.
ment, or exceeds its credit limit without the Bank's permission,
Upon a default. the Bank may close the Account and demand
immediate payment of the full bale,nce from the Company and
the unpaid Cardmember balances from each Cardmember. ,
The cardmember will be in default upon his or her fallure to .
meet the applicable terms of this Agree~nt. The filing of
bankruptcy by the Company or a Cardmember or their sl!b-
sequent dIscharge shall not relieve the remaining parties of
Ihelr obligations under this Agr,eement. , .
Collection Costa:
It the Bank refers collection of the balance of Ihe Account 10 a
lawyer, the Company shall be liable to pay 10 Ihe Bank a
lawyer's fee of 15% ollhe 10lal balance (where permitted by
law), plus the Bank's court costs, colleclion agency fees and
any other fees allowed by law. If the Bank pursuescollecllon
against a Cardmember for unpaid amounts incurred by the
use of his or her Card, the Cardmember also shall be Iiaele 10 .
pay to the Bank: (i)the Cardmember's proportlonate share 01
the Company's accrued interest charges. late lees, and un-
paid membership fe'es, (Ii) a lawyer's lee (if the Bank hires a
,lawyer) of 15% at such amounts (where permitted by law),
and (iif) the other costs and lees sel forth in this section. .
. Acc:Ololnt Inquiries; ,
If Ihe COmpany thinks a periodic statament is wrong,llitneeds
more inlormatlon aDOUI a transaction, or 11 it has received a
credit slip for a reversed oradiusted Iransactlon.lha COmpany
Representative may contaCt the Bank via the phone number
on the atatemenlor maywrile tothe BanI<, Leuers must Include
the Company name, ACCOunt number, a detailed description
of the malter, and, if applicabla, a copy ollhe credit slip. lIlhe
inquiry involves B purchase or cash advance dispute. the
Compeny must first attempt,to resolve the dispute with the
applicable merchant or bank, and shall provide proof ollhe
same to the Bank upon request. On non-disputed matters or
any matler shown by Ihe Bank not 10 be In error) the BanI< may
charge, the Company alee of $2,00 lor eacn copy 01 any
document the Oompany request;;, such as duplicate periodic
statements, transaction slips, and the like.
Closing The Account:
, The Company ReRresentative shall notify the Bank In writing
whenever: (i) the Company desires t9 close the Account or
cancel any Cardmember's Card privileges, or (U) a Osrdmem-
ber's felanonship with the Company lermlnates. In each case,
the Company shall promptly return the applicable Cards 10 the
. Bank cut in helf. However. the Company and such Cardmam-
bers shall remain responsiola to pay the emounts owed the
Bank according to the terms ofthis,Agreement. The Bank may
close the Compan{s Account or cancel or suspend any Card-
member's Card privileges al any lime without prior. notice.
Upon notice from Ihe Bank. the Company and each Card-
member shalt destrOY each Card by cuttinllltln half and
surrendering ilIa the Bank. llthere Is a credllljalance in the
Account after itis closed I the Bank shall refund the full amount
. of the balance 10 the Company.
Changing This Agmement: .
The Bank may change Ihis Agreemeniht Including the Annual
MemberShip Fee, interest charge and e annuar percentage
rate, at any time upon written nolioe to Ihe Company. If Ule
Company coes nol agree to the chaniiles. tna Company Rep-
resentative must notily Ihe Bank in wnting within 25 days afler
the effective date of the changes and the Company must pay
the Bank the remaining balance pursuant to tlie terms of the-I
Agreement In effect f!rior to the notice date. Otherwise,.lhe
Comptll'l)' and each Cardmember shall be deemed 10 have '
agreed to the changes in the. notice. The Compeny agrees to i
promplly notify all Cardmembers 01 any change to the AgreG- ,
men\. Use of the Card after the effectiVE! date ollha change
shall be deemed acceptance of the naw terms by both.lhe .
Company and the Cardmember,
Colay In Enforcement: '
T~e gank ~an delay enforcing its rights llnder this Agreement
Wllhoulloslng them,
Appllr;ablo LaW:
This Agreement shall be governed by and interpreted in
accordance with South Dakota and lederallaw,
, .
IS) '991 embank (South Dakota), NoA.
Member FDIC
BUebl 3/91
, ,SEP 29 '97 02:31PM-
)9/12/~1 FRI 10:1~ ~AA oU' aS7 2081
BUSUlES.S CARp, "
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Interest Charge On Cash Advances:
The Company shall pay IOterest a.t a da,lty rale 01 0.046027%
(16.8% Annual Percentage Rale) lor caS/1 advl!llCe5.lrom the
day the cas/\ aClVance is taken um" the day the Sank receivas '
payment in full, The Bank will calCulale \he InlereSI cnatge lis
10"O\IIs; Staning will'lthe Previous Elalance lor cllsl'I advances al .
the oeginning 0ltl'l9 l:lilling period. on each day 01 the l:lWing
period \l1e Bilnk will subtracllha PaymeNS il recelVEl$ and refunds .
II makes. ana will add new cash advanceS. new caS/1 advanoa
lransactlon fees, and othllr adjuslmenls, This oalculatiorl deter-
mines the dlllly balance. AI tJ'IQencl ollhe bi\llllg period, mil Bank
divides the \Olal, amount o! alltlla dally balances by the number
01 days~ lhe billing period. The BanK thefl mUlliplIes Ille resull-
ing amoul'Il-listeo on tM bill liS the "BalancllSubjElcl to IntereSI
Charge" --- by !be rate 01 0.048027% 10 arrive atlhe dllily lrueresl
charge. The Bank IMn multiplies the daily interest ctwga bYll1e .
!otat' number 01 days in the billing pellOd to arrive at the monthly
Interest charge, .
MInimum Interest Charge: '
The Bank will charge the Company a minimum interest charge '
of S~ tor each llilllng pariod in which an inlerest charge
c~lculaticn is less than SO~. The Bank may add !he cl1al'9a 10.
6llher Ihe pUrchase or cash advance tlalance at Its dis<;retion.
Cash Advance Transaction Fee:
The Bank Will aod an additional fee 101 eac" cash advlInee
trensaction. The lee for a cash advance at an Automated Teller
Machloe shail be $1.75. However, if tile cash advance is
obtained WaU\lh per$On81 inter2CIIOiI at any oanll or ol/1er
financialinSlillJtlon, inCluding Cltibank. the lea shall equal 2%
of the amount of the coasnlldvahce. except maltM Iae 'Qr any
casn advance shall not !:is lesslhan $2,00 or more lhan 5\0.00.
Lata Payments And Returned paym.nts:
The Bank will charge the Company a late payment lee of 525
tor eachbll\ihg pened in which the minimum Dayment Usted
?nIl'Ie bi!1 fo/the Company is nol received within 25 days after
Its Payment E!lue Oate. The Bank will also cnarga lhe COmpany
a 510 (e,9 for p.sch clleck payment or similar paym!!f1t instru-
ment wrrttenby the Company or the Cardmeml:ler that is not
honored or that Is returned to the Bank because it c:annOI be
processed, ;me Benk will add these lees 10 the Company's
purcllase balance. bul in the event of non-payment will add
them 10lile;New Balance of IndiVidual Cardmembers ~ 1M!!
B6;nk deems appropriate,
Account Payments: '
The Bank will apply payments made by the CQmpany to 1M
balances of me Cardmembers. The Sank will accept a combi.
naDOn .01 payments by Ihe Company and Cardmembers. pro-
Yided: (i) the comoinsd amounl at leasl equals 1M minimum
payrT\Qnl due for 1M Company; and (ii) all ollile ~aymehts are
made by lne Paymelll Oue Dale. CllrdmM1bera mUSI contact
me Company for a coPy of l/1e billing slarement. The Bank may
in its sole discreUon. a:lply all or pa.. rt of a Cardme. mber payment
10 er.y charges and lees Clue on Il'Ie Account If a CardmQfTlber
sends a paymant t/1at eXCeeds the Cardmemt:l,ets current bal-
ance. Il'le Bank will relleet the amounl 01 lI1ee~cass on ttle
Cardmember's llecUon of the periodic stalement as a credit
against future charges incurrea py Ihe Cardmeml:lar. unless \he
COmpany properly advises the Bank to allocale the credil else,
wnere in ttla Accounl. Cardmember cmdi\& afe not relundabl.., '
Acc;apting P~ymant$:
The Bank can accepllate or parllal J1aymenIS:a:s well as
payments that are marked .paid III lull" or that have OIMr.
restrictive endorsements, without lasing any of ils rights under
this Agreement. Fayment lor more IhaI'! 1M minimum amount
Clue Will be treated by the' Bank as a single payment ler Ihal
month only. Tne Banll may disregard Company InslrUCUons to
alloea!e a payment among Caromember balances If thll pay.
ment IS r8Q91V9d after lhe payment due date. All payments
shall be in U,S, dollers elld all checks or oth~r paymant IrlGtru-
menl, must ba drawn on lunds on deposit in IlIe Unlled Stales.
However. Ihe Bank mey accept payments made In Canaaian
currency, except lhat such payments shall be subiect to a>.
currancy conversion tea basea Upoll prevailing currenoy
exchange rates.
Credit Reports:
The Company's and each Cardmember's perlormance of Ihis
Agraement may be raporled to credit bureaus and subjcx:lIO
IOHOW-up creClil reports by the Bank. Upon request frOm the
ComPMY Repre5entatiYEl, the Bank Will disclose Ih!lllames
and addresses of the cladlt raporllng agencies lumisning \he
repor~. '
I..o$t Or Stolen Cards:
If 1M Card is \OSI or s\Olen orll lne Company or a Cardmembet
Ininks somel;me may use il wittlOut permission, the Company
ReprllSel'ltatlV9 or the Cardmember must norily the Bank at
once, The Bank may hold Ihe Company liable lor all amounts
!ncur~~d b); l/le unauthori~9d person up to ttle lime ttle Bank
is notIfied Iflhe number 01 Cards Inuad on the AceOUl'I1 is 10
or more, If the number Is less man \0. Ille Compeny's fiabllity
!Of each IoSI or slolen card shall be lorthe amount incurred uP'
to tile time the B:,"k is nOllliad or SSO, whichever's less. Ttie
Cardmemtler's liability lor a lost Or stolen Card or lor un author-
izod card use snali be'lor the emount incurred up to the lime
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,SEP 29 '97 02: 32Pt'L
OS/12/g7 FRI 10:13 FAX iju5 3&7 2087
BUSINESS CARp,
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Company Credit Una: . .
WhetllM Account is opened. the Ban~ will eslatllish an inilial
credllline lor tM Company and will inform lheCompany of
IlIal credllline, The creol\ line will a/i;o appear on the Compa-
MS billing statements, ThB. BanK may Change the eredil ~ne
of the Company at ita discretion, The Company may request
an Increase in the croollline by contacting the Bank pursuant
to the,inslrvctions on !he billlng stalement.
Cardmemtler Credit Una: . ,
The 'Bank will assign a porllon 01 the Company's credit line to
each Cardmembar in an amounl designated bl' the Company
to the Bank. The Bank will establish part of the Catdmeml:ier's
cr~lt line es a caSh advance limit. unless tM Company in-
forms IIle Bank In writing nol to give cash ad1lance'access to
. the Cardmember. The Compel'll' mey reduce a Cardmember's .
credit line by giving at least 15 days' wrllleMc~ce to the Bank,
Purchases And Cash Advances:
The Cardmember mill' use It\e Card for l)urchaSes wnerever
the Card is honored, up 10 'lie amount of the Cardmernber's
available credit line. A Carc;T\ember with a cash advanc~ line
mar receIVo up to lhree cash advanoes per day /rom Ilnan-
cia inslil1Jlions that honor the Card. subject ,10 local restric-
tions and tt\e amount of the Cardmember's evallatlle caSh
advance line.
Annual Msmbership Fee: . .
The Company shall pay the Sank a non-refundable annual
memberShip lee upon tM opening of the ACl;Ount 01 $3S for
each Card If 6 or more CardS are issued on the Account or
$40 per Card ilthe number issued is less than 6. If the issu-
ance 01 aodilional Cards durlng the year causes the number
, to exceed 5 Cards, the fee lor tM edditlonal Cards will be $35
per Card. SUCh lee ~hali be added to the AcCount purchase
balance in the motlth ills incurred.
Billing:
For each month ,.,llen there is a balance in the Acoount. the
Bank win send the Ccmpany a billing stalement. The Bank will
not send a statement to a CardmemtJer. The billing statemenl
wlU itemize all naw transactions on the Account clufing the
blllin~ ~~riod. Th~ statement will show thll "Minimum Amount
Que, ' 1M "New Elalance," end the "Payment Que Oate." The
New l?alance is the sum or (I) the Compan(s opel)i~g balanoe
(Illat IS. the unpaid amountlrom the prevIOUs billing periOd,
called the .PreviclUS Balance" on Ine billing stalement) and all
new purchases e.nd cash advance~ of each Card member:
less (Ii) ell payments and crQdjl~ Cln the Aocount for the tl.llling
period: plus (Iii) any olher adjustments to the Account. inlerest
charges Md rees, '.
Rallllcatlon Of Account Application:
By its payment ot the Bank's billing slatemenrlor any amounts
Charged to the Acoount. the Company: (i) ratilies Ihe original
Application lor me AccQCJrll and the authority 01 all persons
sIgning such Application, and (iI) authorizes the continued
USllof me Cards. undEir the terms herein. by all Cardniambecs
who are issued Cards on tM Acccunt,
MInimum Amount Due:
The Minimum Amounl Cue each month wIll be Ihe total 01:
(1) The grealeSI,of:
{il fhe entire New Balance If It is IllSS than SSO; or
ill S50;or ' . "
Iii) the billed interest charges if they exce~ $50: cr
IV) 1/24 of the New Balance. rounded 10 Ille next dollar:
and . . -
(2) Any amount past due: and .
(3) Any amount In excess ot the CompenY.'s credit line.
The Bank may' decide at its sole dIScretion how 10 alloeat!!
amounts paid In excess ollhe Minimum Amount Oue among
the Company balance, and each Cardmember's balance,
Company And Cardmember LllIbl1lty
fgr Account Charges: .
The Company will pay th~ San\( all amounts cherged to the
Account, whether or natthey exceed the Cerdmember'a or lhli
Company's purchase or cash advance credit lin99, and whether-
or not the Bank authorized slICh transactions, plu! interest
charges aM aU other charges or fees as prQvlded for in this
Agreemem. If the CClmpany fails to gay lit leasllhe Minimum
Amount QUi!! by the Payment Oue ale. each Card member
shall bo liable to pay the Bank the amount of hi; or her New
Balence, plus the Interest charges and all other fees provided
10rinthiaAgreemenl. . ,
Interest Charge On Purchases:
The Company shall pay interest on all purchllses. excepllhat
the BanK will not add an inlerest charse if the New Balance is
. paid In lull by ils Payment Que Oate, The Bank will calculate
\lie inlerest charge aaloliowa: Starting With U1e Previous Bal-
ance fcr purchases. on eaoh day or ltIebilling period the Bank
will subtract \he payments it receives and refunds It makes,
and Willlldd new purchases. such other tees as applicable.
end other adiustmenlS, This calculallon determines the Claily
balance. Unless the Bank elects to use a later date, purchases
ace added 10 the' balance as of the date of purohase. At the
end 01 the bilITng period. ttle Bank divides lhe total amount oJ
aU Ih.. dally balances by the number 01 days in the billing
period. The Bank then multiJ:llies Ihe resullin9 amount _Iistea
on the bill as tile "Balance Subject 10 Inlere$t Charge" - by
me rare cf 1.4% (16,8% Annual Percentage Rare) 10 arrive al
tna monthly inleras! charge.
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Business Card Legal Referral Sheet
Account Number: 5472330000763846
Bus, Name: PEGGY ALLISON
Bus, Addr: 6304 V ALLEYBROOK DR
BusCityState: MECHANICSBURG PA
Principle Name: RITE AID CORPORA nON
Residence Addr: 6304 V ALLEYBROOK DR
City, State MECHANICSBURG PA 17050
SSN: 207528277 DOB: 0000
Res,Ph# 0006129952
Bus,Ph# 7179755882
MULTIPLE CARD HOLDERS
SSN: DOB: SSN: DOB
ACCT #: ACCT #:
BAL: BAL:
NAME: NAME:
AD DR: AD DR:
SSN: DOB: SSN: DOB
ACCT #: ACCT #:
BAL: BAL:
NAME:
ADDR:
OTHER:
NAME:
ADDR:
Media
( ) IF IN FILE OR DATE ORDERED
APPL: _ _,_,_
CBR: .,.-- , ,
- --
STMT: ...--- , ,
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CLIP: --- ,
INTEREST RATE
CASH: - Retail: 0,00%
Date Opened: 12/14/99
Acct Bal: $5,560,17
EXHIBIT l~,.,~,,",' ~
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VERIFICATION PAGE
The undersigned does hereby verify subject to the penalties of 18 Pa,C.S, g4904 relating to unsworn falsification to
authorities that he/she is (N,m<) 1!o6~46CH , (Till,) /YA-Nl1<,eL '. of
t'/~bilL
, Plaintiff herein, and that he/she is duly authorized to make this Verification, and that
the facts set forth in the foregoing Complaint are true and correct to the best of his/her knowledge, infonnation and
belief.
(Signature)
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2001-02031 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
CITIBANK N A
VS
ALLISON PEGGY
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
ALLISON PEGGY
but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT & NOTICE
, NOT FOUND , as to
the within named DEFENDANT
, ALLISON PEGGY
NO LONGER RESIDES AT THIS ADDRESS NO FORWARDING AD
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
7.44
,00
10.00
.00
35.44
~~~
R.' Thomas Kline
Sheriff of Cumberland County
WELTMAN WEINBERG & WELTMAN
05/02/2001
Sworn and subscribed to before me
a~~
day of~.
this
th-ul A,D.
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Pr t onotary i
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CITIBANK, NA
Plaintiff
No. 01-2031 Civil
vs,
PRAECIPE TO REINSTATE COMPLAINT
PEGGY ALLISON
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James McNally, Esquire
PA I.D, #78341
WELSTMAN, WEINBERG & REIS, CO" LPA
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#02108237
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CITIBANK, NA
Plaintiff
vs,
Civil Action No, 01-2031 Civil
PEGGY ALLISON
Defendant
PRAECIPE TO REINSTATE COMPLAINT
Kindly reinstate the Complaint in the above captioned matter,
WELTMAN, WEINBERG & REIS CO" LPA
James McNally, Esquire
PA I.D, #78341
WELTMAN, WEINBERG
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 152
(412) 434-7955
WWR #02108237
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SHERIFF'S RETURN - NOT FOUND
\
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CASE NO: 2001-02031 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
CITIBANK N A
VS
ALLISON PEGGY
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
ALLISON PEGGY
but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT & NOTICE
, NOT FOUND , as to
the within named DEFENDANT
, ALLISON PEGGY
ADDRESS IS EX-HUSBAND'S. PEGGY NEVER
LIVED THERE. SHE LIVES IN OHIO.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
18.00
3.25
5.00
10,00
.00
36.25
s~
R. Thomas ~ e
Sheriff of Cumberland County
WELTMAN WEINBERG & REIS
08/08/2001
Sworn and subscribed to before me
a-
la-
day of ~
this
J-.I>t> I A.D.
~!.I- CJ. ~ ~
Prot 0 otary ,
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Plaintiff
No, 01- ~631
GQ~l~
CITIBANK, N.A.
COMPLAINT IN CIVIL ACTION
vs,
PEGGY ALLISON
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James McNally, Esquire
PA I.D. #78341
WELTMAN, WEINBERG & REISCO., L.PA
2718 Koppers Building
436 Seventh Avenue
pittsburgh, PA 15219
(412) 434-7955
WWR#021 08237
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TRUE COPY F ..' '
In TestlmonyWhe ROM RECORD /
and the seal of sa~ I here unto set inyliantt
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CITIBANK, NA
Plaintiff
vs.
Civil Action No,
PEGGY ALLISON
Defendant
COMPLAINT IN CIVIL ACTION AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this complaint and notice are served, by
entering a written appearance personally or by an attorney and filing in writing with the court your
defenses or objections to the claims set forth against you, You are warned that if you fail to do so the
case may proceed without you and a judgment may be entered against you by the court without further
notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff,
You may lose 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 AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW
TO FIND OUT WHERE YOU CAN GET LEGAL HELP
LAWYER REFFERAL SERVICES
Cumberland Co, Bar Association
2 liberty Avenue
Cariisie, PA 17013
(717) 249-3166
,
COMPLAINT
1, Plaintiff is a corporation with offices in Sioux Falls, South Dakota, 55117-6124.
2. Defendant is an adult individual residing at 6304 Valleybrook Drive,
Mechanicsburg, PA 17050.
3. Defendant applied for and received a Citibank Business credit card issued by
Plaintiff bearing the account number 5472-3300-0076-3846.
4. Through the retention and use of the aforesaid account, Defendant became bound
by the terms and conditions of the cardholder Agreement, a true and correct copy of which is
attached hereto, marked as Exhibit "1" and made a part hereof,
5. Defendant made use of said credit card and has currently a balance due and
owing to Plaintiff, in the amount of $5,560.17, as shown by Plaintiffs Statement of Account
attached hereto, marked as Exhibit "2" and made a part hereof,
6, Defendant is in default of the terms of the cardholder Agreement having not made
payment to Plaintiff as promised, thereby rendering the entire balance immediately due and
payable.
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7, Plaintiff avers that the Agreement between the parties provides that De:f~ndant will
pay Plaintiff's attorneys' fees,
8, Piaintiff avers that such attorneys' fees wiii amount to $1,390,04
9. Aithough repeatedly requested to do so by Plaintiff, Defendant has willfully failed
and/or refused to pay the principal balance, finance charges, attorneys' fees or any part thereof
to Plaintiff.
WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant, Peggy
Allison, individually, in the amount of $6,950,21 plus costs,
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL
BE USED FOR THAT PURPOSE.
WELTMAN, WEINBERG & REIS, CO" L,P,A,
James McNa _, Esquire
PA 1.0, #7834
WELTMAN, EINBERG & REIS CO" L.P,A,
2718 Koppe Building
436 Seve~t Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#:02108237
,
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Citibank MasterCard~
Business Carde
Agreement
~,
This Agreement governs rhe Citibank MasterCard Business
Card Account (the "Account") for tha Company and each
person issued a Card on ths Account. Pi~ase read it and keep
it lor your records, The Agreement becomes effective once
the Card is used,
AgreementTerms:
In Ihls Agreement: llie word "Bank" me,ans Citibank (SOUlh
Dakota), N,A.. the word "Card" means either one or more ,-
cards Issued by tns Bank in connection with the Account. The
word "Company" means lhe business entity lhat applied lor
the Account: Ihe word "Cardmember" means each Individual
designated by the Company who is issued a Card by the
Bank.
About The Account And The Card:
An Account may be opened only In !.he name of the Company.
Ihe Company and the Cardmember agree that each trans-
action made on the Account will be primarily for e business or
commercial purpose, CardS wHl be sent to the Company for
d\strlbution to each Card member. The Cardmember must sign
the Card jn order to use it, Only one Card will be h;sued per
Cardmember. The Card mlJst be retcJrned to the Sank upon
request.
Company Representative:
The Company shall deSignate one person to represent Ihe
Company in the administration 01 the Account. The represel:'.-
tatiye sha\l: (i) be lamiliar v,i\h all aspects of \h.'~ Accoun~:. (11)
h?ndJe all Company and Cardmernbar inqUiries and billing
disputes. credit line increase requests. and other requests
and notices under this Agreement; (iii) upon request provid"
the Sank wIth such inlormatlon and documentatlon the Ba!"f
deems necessery to protect its interests.in the Account: (1\1
promptly advise the Bank 0/ the termination of a Celamarr
bar's rela\ion"hip with the Company; and (v) upon such tel
mination. conect, cuI in halt, and retUrn to the Bank the Car
of the Cardmember,
-
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EXHIBIT ;
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~he, Bank is notified or $50, whichever is less, The Bank can be
called 24 hQurs a day, 7 days a week, (j me Card is fQund or
returned after the Bank has been notified, 1M Card msy not'
be used, It mus~ be cut If) haIr and returned to the Bank.
Company And Cardmamber OGfault: '"
The CQmpBClY will be in d,,(au(c il the Minimum Amount Due ls
nQ\ paid by me Payma'nt Due Date or if the CQmpany f\lilS for
banKiuptcy, fails to meet any of ita obligalions in thiS Agree-
ment, or exceeds its credit limltwlthouttha Bank's permission, '
Upon a default, tM Bank may close the AccQunt and demand
immediate payment of the fun bala"ce from the Company and
tha unpaid Card member balanc"s (rQm each Cardmember. .
Tne Cardmember will be in default upon his or her tailure to '
meet the applicable terms of this Ablree~nL The tiling of
bankruptcy by tha Company or a Cardmember or their sub-
sequent discharge shall not relieve the remaining parUes' of
their obJigatJons under this Agr,eemant. , "
CoH..ctlon Costs:
II the Bank ralars collection of ihe balance of Ihe Account to a
lawyer. the CQmpany shall be liable to pay tQ the Bank a
lawyer's fee of 15% Qf ehe total balance (where permitted by
law). plus the Banll's court costs, collection agency feos and
any other faes allowed by law, if the Bank pursues collection
against a Cardmembar tQr unpaid amounts incurred by the
use Qf his or hsr Card, thE> Card member also shall beliabte to
pay to the Bank (i) the Cardmember's proportionate shara of
the Company's accrued interest charges, lace tees, end Un-
paid membership fe'es, (Ii) a la....yer's lee (ilthe Bank hires a.
,lawyer) of 15% ot such amounts (where permi:ted by law),
and (iil) the other costs and fees set forth in this section, ,
, Accoum InquJr~s; .
If the Company thInks a periodic stalament is wrong, lfitneeds
more inlQrrnaUon atoul a transaction, or II il has {(;Calved a
credit slip for e reversed Qradjusted trensactton, the Company
Representative may contact the Bank via Ihe phons number
0'1 the statement or may write to the Bank. Letters mustlncluda
the Company name, ACCoU'1t number, a delailed description
01 Ihe malter, and. i1 applicable, e copy of the credit slip.Ulne
inquiry involves Q purchase or cash advance dispute. the
Company must tirst attempt tQ resolve the dispute with the
applica.ble merChant or banK, and shall provide proof of the
same to th" Bank upon request, On non.dlsputed matlers or
any matter shown by the e"n,,- not to be In error, the Bwk may
charga,th" Compa'1y a lee of $2.00 ror each copy at allY
document the Comp<:ll1Y ",quests, such as dupl:ca:e perIOdiC
statements, transaction slips, and the like.
Closing The Account:
, The CQmpany Represent<ltlve shall notify the Bank In writing
whenever: (i)1he CQmpany d~lres t,o close the AccoLlnt or
caClcel any Cardmembar's Cord privileges, or (U) a Cardmem-
ber's rel!nQnship \'.ith the Company terminates, In each case,
the Company shall promptly r;turn the applicable Cards to the
, Bank cut in half. Howev. r. the Company and such Csrdmsm-
bers shslI remain rasponsiol; 10 pay the amounts owed the
Sank according to the tarms ofthis,Agreement. The 6ankmay
close the Company"" Accour,tor cancel or susper.d any Card-
mamber's Card prlvlleQes at My ~me wlthQut prior notice,
Upon notice kom the Elank, the Company and each Card-
member shall destroy each Card by cuttin.9 it In half a"d
surrendering it to lhe Ean\<, If them Is a credIt Qalanca in Ih"
ACCOUnt after ilis closed, the Bank shall relund the full amount
of the balance to the CQmp?:1Y,
Changing Tnls Agreement: '
The Sank may change this Agreemsnt, InCluding the Annual
Membershlp Fee, interest charge a.nd the annual percentage
rate, at any ume upon wrinen notice tQ the Company, If me
Company oces not agrM t~ the cha"ge;:, tha Company Rap-
resentative must notify the Sank in writing within 25 days afcer
the effective data oltha changes and the CQmpany must pay
Ihe 8anll Ihe remaining balance pursuanr to the terms of the-
Agreement in eNect prier te the. notice date, Otherwise" f/le
Company and each Cardmember shall be deemed to have
agreed to the changes in the notice, The Company agrees to
promptly notify all C'e;drr,embers 01 any change to the Agree-
men\. Usa of the Card af:er the effecllve dale of tha change
shall be deemed acceo:ance of tha naw tenns by bot'l,the
Company and lhe Carc!'(',ember,
D9lay In Enforcemen~: '
The Efank can delay enforcing Its rights uClder this Agreement
without losing them. ' ,
Applicable Law:
This Agreement shail be governad by and interpreted ir
accorda,~ce ",.tn SQuih DakQta an91edaral Jaw,
@ 1991 CltlbanK (Scc:h Oal<ot.), N.A.
Memba; FDIC
BUcb1 3191
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Interest Charge On Cash Advances:
The Comp~"iY shaU p;,y l(w:rest at a dally fa'~ or O.Q.!..60'27%
(16,B% Anr\ual Percentage Aale) lar ca5!1 advances 'rom 1M
day the casl1 aaval1C9 is faken until th" Clay the Ba,1k racaive. '
payment in fuil, \he Sank ",ill calculate me Inleres! cMtge 3S
fallows: Starling wilh the Previous Balance ror cash a<ivances al
~,!:legin/'ling of ,the billing period. Q<> e!,ch d:-"Y 01 the blllir:g
P"'fiocl (f'te Sa..k will 5ubtracI the paymentS II receIVes and rafunds
It ms.~es, ano will add T1ew cash aOv31lces, T1ew C3S."l a.:!vancll
tro/'saction I~es, and othar eClius\ments, Tnis calculaticr1'dafer.
mlMS the d3J,y balanc~, AI the eC\dollM billing period, th~ BaC\\:
divIdes the \olal amculll 01 allll\e aaily balances by the nu.1'1ber
of days '", U'\<:l billing period, The Sani< then mulriplies the lesull-
ing "mOUi'\I-1l31e<J on tt'\e bill M the "6alance Subject 10 ItlIereSI
CnsrQe" - by 1M rate 0' 0.OA6027% to ourive at the deilylnWsst
charge. The BMk IMn multiplies the ctailyinlerestcharge byttle
!olal'number of days;r\ Ihs billing pelled 10 arrive at ttle monthly
lnh~;'est charge.
Minimum Interest Charge: ,',
The 8ank will charge the Corrtpany a minimum interas! ch<l.rge
01 5(X! (or each billing p.rio<:! iC\ which M iC\!arest charge
calculation is less than 50e, The BMK may add Ih. charge to
ehh~r the purchase or cast1 g"dvance balance at its discratiOn.'
-
C<J!:!1 Advance Transection Fee:
The BaC\\< wlll aod an additional fee for each cash advance
trans",ction. The'* lor" cash advance at an Automated Teller
MachlC\e shall 'os Sl.75, However, if the cas/'l ac!vance is
obtained through personal inlereclloh at any !:lank or ettler
financial institlJllon, including Cllibank, tne lea shail aqual 20/0
of 1M amountot lhe cash Mvance, except\natlhe fee for any
cash advMce sl1a/l not qe leso Ihan Q,QQ or r!'.ole L"lan 510,00,
Late Paymenls And Returned Paym.nts:
The BanK wlli charge the Compa!'.y a let" paym8C\llec 01 525
lor each bllll[\g penod in which 11'19 minimum payment USlacl
on me bill lor \he Comp~ny is nol f9ceived Wlihln 25 daY" altar
ils Paymem Due Oale, The BanK will also charge iM COmpany
a SlQ fee lor esch Cl')ec\: payment or similar payme-nt in:lru'
ment wrillen by the ComPMY or the C"ldmember thai is 1101
hooore<:l Or that Is retumec! to Ihe 8Mk because it caJ'\not ba
processed, The Elenk will add Ih~e lees to the Company's
purcnase balance, !:lut in the event of noC\-paymeC\\ will aod
them 10 lhe New Balance ollC\di,ictual Cardmemtlers "'lIM
E!~nk deems appropriate,
::
AcCOLlnt Payments: .
rne BaC\\< will apply payments made by Ihe O::mpany to tNl
baJ2f1ces o~ tne CalClmcmbers, The 6M~.....HI accept a comb}-
n2ccn 01 pnymenlS by me Cc:-,pany aad C"r::lme;;-,~rs, pm.
vlde-d: (i) ~he COrr,CirHK1 amo~:~c at l~asl e-Qual::> t;'\:: minimum
paymaC\! due for 1M Company; and (ii) ail ot U'\e p;yme~\s are
fi"',.ad~ by the- Pal'm~t'l! Dua D~:~. Cardmemb~rs must ccnt3ct
tne Cor.1p,;ny (or a coPy of \ha billiC\g Slaiamem, Tna 8al'lk may
iC\ Its sola discretiM, SOOly a\l cr pan 01 a Carrlmem~r paymei1\
10 any cl1arg"'!: and lees due c,,1Ile Accounl 11 e COfdmwmbe'
se.,ds a paymem ,~at exc=s lhe Cerdmemb,e<'s eurre<1\ bai-
:.nca. 1l'\a 8an" ..wI lellact 1M ".-noun! of Ih" e':9SS on the
Ca:dmembers section of the periodiC statement as a credit
~alnst fut'.J(e charges incur~ ~ the Cardrr.emoer. ur;te:;5 the
CCmp,:,ny propsny advises L~~ Sank to alloc,ate tr.e crec1it e1sa-:
wh?fa In the kCCi1Jr1t. Cardm~mber cradits Bra: nc: re!ut'dable.
Ac!:SpIlng Pi!lymants: :
The Ban\: can accePt lala or pallial paymenls:as \I.-all a~
paym.nts thaI :if;; f\\al\<ec .paid in full" or lha~ have otl1er
r~~~rictlve Blldorsemer1ts. ......HMcut lo;ing ~)Y or ilS rf~ht.s ur,de.r
t.~lS Agreemeflt. Paymer\t fer more lh2.n. tne m(i'\::nIJm amount
cua Will be (raatea by [h,; S<!!1K as a single pawnanl Jor thaI
mo.,:h only. ina BanI< may cisreQard Compan\' instructions 10
alloea,I' a pa.ymol'lt among Caromgmber balMce5 ii the psy-
rMN I~ rOO~Ngd altar ~-.~ ~aymMI dug <late. Ail p"ymaC\1S
s..~a!{ 'tr.3 in V.S. dollars an:: all checks or ottv~r pa'r':T',ant Ii\.stru-
ffi8il~S must be dr~wti on fwnoson deposit in the Unila:d States.'
H:>wevor, the Sank may a::eol payme!1ts made III Cenaoian
c'JrmC\cy, excapt IMI sud> paymenls shaH M SLlOject 10 a.
curl~n...-y cMvars]on t~~ based upcn pravamng cumncy
exc.~a.ng,:; (at~:;.
Credit Reports:
The Compar:.y's and Q.a~~ C.ardmember's par!':;;':>".ence of ~his
Ag~een1ent may OS r~po::aa to creal! b'.J(SaU5 a.1d sublC'Ct to
Ica~.up credit ,reports 'Cy {~e 6~,~. Upon r~qu~t f~m tMe
Ccmpeny Rapre,e"le:;'a, the Ban\: will disclose lJ'\a namas
a'1d addresS9s of the ch:,m (eportln~ a~ei1ci;s hJmtsl'l1.",g L'1e
re.?Of(;. .
Lc:it Or Stolen Cards:
H 1M Card is lost or slolaC\ m ir lne CompMy 0' a Cardmamb3r
thinks someone may usa it without parmlssloo. \;;e Cxnpany
P.a?rE>Sehtallva or the Cardmemoer must M(ify the Sank at
c.-,ca, lh~ 8a.,\< may hold the CompMY lia'Jle for all an'.ounts
incurred by. ct\e llll.a.W~~,cd:.ed per:::or\ U~ to (:'\9 t(m~ th.a- Sank
ts notHied }f\he nllmb~ of CardS: ISiOU60 0:"1 t1'\~ Ac;caul",tis 10
or more, II ,'1a numbe, Is les5 man 10, tM Company's fialllr.lY
f~each losror !;ro{en card shall b-d tor the a(":";Ol..:l1l incurred up
\0 the Urns the B~n~ i~ nQtWed or S50, whiche.ve( ls less. Th~
Ca:dm~oe{'s liabi:;:.,. [or a.lostor ~tolen Ca~ct or forur.authot'-
lz.~d card U'i~ 5ne.1I t:.~ lor the nmount incwrr~d up to to"l; time
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Company Cm<:l\t Una:
Whe'lIM Accowm is openad, me 8anli. will eotaDlish an ini!lal
eladltlin" tor the Compa."lY and will infarm t~e COi'n[lany 01
mal credit line. The cleoit fine will al.s" appear on Ihe Compa-
ny's billing statements. The 6anli. may Change the credit line
o t~e Compa~ at its discretion. Too Camp any may requeSt
an Increasa in the cradlt lin. by cantacting the Bank pursuanl
10 the,instl'Uctions on ~he billing statement,
Carclmember Cre-dit Uno:
Th!l'Sank will assign a porllon of the Company's cr~dit line to
each Cardmember in an .mount ctasign:ared by t~e Company
to the Bank, The 8ank will establish part of the Cardmambec'~
or.xllt I'."e as a cash advance liml!. unless L'1e Company in-
forms me Bank In writing nollo give casn advance'access to
. the Cardmemb(lr. Tha Company may reduce s Cardmember's
creoirllne by ~i"i"g arl~ast15 days' wrlttenno~ce 10 Ihe Sank,
Purchases And Cash Advanees:
The Cardm~mber may usa Ine Card far purchases Wherever
the Card is honored. U[l to 'ne amount 01 tM Cardmember's
available credit line, A Carc:nember with a cash aevance line
may receivo up to three cash advances per d.!y from lin&'l-
dal institutions that honor the Card, subjecl.!o local rastric-
\lons and 1M =ount of the Cardmember's available caSll
advance line.
Annual Mambership Fee: '
The Company sh~1I pay the Bank a nor<-refundable annual
membershlo lee upon 1M openin\l of the Acccunl 01 SSS for
eaoh Card '\I 6 or more Caros are issued on ~"\,, Acoaunt or
$40 pel Card ilthe number issu<:d is less than Q. If tM issu-
ance 01 additional Cards during rhe year causes the numbar
, [0 excBed 5 Cards. !ha lea lar 1M additiaMI Ca:dS will tlB S35
per Card. Such tee ~hall be add.d to the Acccunt purchase
balance in 1M month it Is incurred,
Bill1ng: .
For aach rnonth when there is a balance in th" Account. me
Bank Will send {tie C"mpany a billing scatemen!. The sank will
not send a statement ta a Cardmeml:ler. oM pilling statement
",'ill itemize all new uansactions on lhB Account durlng tho
billing :eriod. The statement will show the "Minimum Atr;!oum
Duo . ,M "Ne..... 8alance .. end 1M "Peyment Oue Date. The
New Balance is the sum 01 (I) the Campanv:s ope~l(lg b3lance
(ma\ is, \he unpaid amount from the prQvlou~ billing perloe:!.
cal\e<:Ilhe "Previ6u3 Selenc,," an 1M billing statement) and all
new purchas83 end cash adv~nca~ of e3.ch C:ardmelnqer;
1033 (Ii) all payments Md credil' on t~e Account lor ttl\' billing
period; plus (Iii) any olher adjustments to tM Account, Interest
eh:orges and fMS, .
Ra\lt~loo Of Account Applicatlco:
By if" p3ym~m o~ the Bank's billing stal<m~m lor My &"oun:,
cnarged to the Accour'tt, the Company: (I) ra~1fies the oriQ:r~\
ApplIcation lor U18 Account and the aulho.ity of all pe~c('\s
signing such Application. ana (U) authcrizes tM continued
USJ> of me Cards, under the t.:,<ms Mreln. by all Cardmemc.rs
who am issuM Cards on I~a Acccwnl, .
Minimum Amount Due:
The Minimum Amount Due each montn wIll ba Ine lo:al at:
(1) The grealaGI,oi:
Ii) Ina en~ra New Balancs lilt is lass ~"an S50; or
il) $.So; or ' . '.
n,) the billed interest charges if they a,ceed S50: or .
iv) 1124 ollh~ New Balance, rounaed 10 me next oollar:
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(2) Any ":,,ounl past ctU2; a.!'Id .
(31 Any amount m excess oJ the Company's credit liM.
ThG Sank may deoid~ ~: its sale dIScretion how to atlocate
amounl~ paid in excess OJ the Minimum Amount Que among
the Ca<npany balance, a.",(\ each Cardmamber's batanca,
CompMyAnd Caldm~mberLl3b!llty
For Account Charges:
TM CompS!\y Villi pay tho Banll ail amounts chargad to th;e
Account. whelh~r or nOI inS)! eXCeQd th;e C~dmemtl9I'$ or Ih"
Company's purchaS6 or cash adva:lca cr~d1t linas. and wlie!.her-
or not th9 Sank authonzsd s\J.Ch t~a..'\Sacticr'ls, olus intarest
cr.arg~s aM a'l alnar charges ar fees as prcvlclod for in I~is
Agreemenr. 11 th9 COTr\pMY fails to pay at l~ast Ihe Minimum
Amount Du~ by the Paymant Due O~:e. ea:h Cardm.mber
s~all be liable to pay the Sank the amount ef ht; or Mr New
Balance, plC!5 the intere~\ charges and alt a~"er feea prcvided
lor in this A>lreemenl. '
Interest Charge 00 Purchases:
The Compa:'lY sha\J pay interest en all purchMes. "xc.pl t."~t
ltm 8anx. will not adO an ime:'~st c~a::: 9 if t.'ie N~(f 6alarlc~ IS
paid In full by its Payme",i Due Oale:1119 Sank will <?alculat~
~'\e interest charge a, lollows: Starting wlih Ille pcevlcuSs6a\
anca lar purchases, on each day or \fie billing period.~"a ,an..
will subtract U1a pa'(rr..ant'3 it rac;ives and rafunds I: maKe!s
and will adct nevY purcha~es, such oth~r lees as ap?"cab "
and otl~er ad[ustmem.s. This caicul.tiofl c~te(rnines t."1, eal\
balanc". Vnles: \~e Bilnk elects to use a tat.rdate, "urcAasl~
are actcled to Ihe' MI;ne" as oltM d3\e ef purchase, t
end 01 the bilfinQ peried. the Ban:' o;vide. Ihe total amo;:,\I!
aU thQ d<lily balances by the number of days in the loft :~
period. Tt\e SanK than mu{ttpUe.~ t.'ie resu!~ing amou.nt"",;,,;,fis~'~
on the bill as tho "cal'ance Subjo:!ct to Interest Char;s :-.
1he rato of 1.4% (15.6~k Annual ?e:rC~f'l[aQa P,a:~) to arnl,,'6
tho momhly ints(i's: charge. .
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Business Card Legal Referral Sheet
Account Number: 5472330000763846
Bus# Name: PEGGY ALLISON
Bus, Addr: 6304 VALLEYBROOK DR
BusCityState: MECHANICSBURG PA
Principle Name: RITE AID CORPORATION
Residence Addr: 6304 VALLEYBROOK DR
City, State MECHANICSBURGPA 17050
SSN: 207528277 DOB: 0000
Res,Ph# 0006[29952
Bus, Ph# 7179755882
Media
( ) IF IN FILE OR DATE ORDERED
APPL: _ _'_'_
CBR: ../"
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STMT:
CLIP:
I I
INTEREST RATE
CASH: _ Retail: 0,00%
Date Opened: 12114/99
Acct 8al: 55,560,17
MULTIPLE CARD HOLDERS
NAME: NAME:
AD DR: ADDR:
SSN: 008: SSN: DOB
ACCT #: ACCT #:
BAL: BAL:
NAME: NAME:
ADDR: ADDR:
SSN: DOB: SSN: 008
ACCT #: ACCT #:
BAL: BAL:
OTHER:
,
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VERIFICATION PAGE
The undersigned does h. ereby verify subject to the penalties 0;;18 Pa.c.S.~4904 relating to unsworn. falsification to
authorities that he/she is (/'i.cr.<) l66'~ !!--l5C-1l- , (l'it1<) 1fj/-f./14--t:. eL ',of
!.,rn/i,#NK- , Plaintiff herein, and that he/she is duly authorized to make this Verification, and that
the facts set forth in the foregoing Complaint are trUe and correct to the best of hislher knowledge, information and
belief,
(Signature)
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CITIBANK, NA
Plaintiff
No. 01-2031 Civil Term
vs,
PRAECIPE TO REINSTATE COMPLAINT
PEGGY ALLISON
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Wiliiam T, Molczan
PA 1.0, #47437
WELTMAN, WEINBERG & REIS, CO., L.PA
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#021 08237
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CITIBANK, NA
Plaintiff
vs,
Civil Action No, 01-2031 Civil Term
PEGGY ALLISON
Defendant
PRAECIPE TO REINSTATE COMPLAINT
Kindly reinstate the Complaint in the above captioned matter.
WELTMAN, WEINBERG & REIS CO" LPA
By:
William T. Molczan
PA I.D, #47437
WELTMAN, WEINBERG & REIS CO" LPA
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#02108237
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA
CIVIL DIVISION
Plaintiff
No. 01- 0263/
C()~l ~
CITIBANK. N,A,
COMPLAINT IN CIVIL ACTION
vs,
PEGGY ALLISON
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James McNally, Esquire
PA 1.0. #78341
WELTMAN. WEINBERG & REIS CO" L,P.A,
2718 Koppers Building
436 Seventh Avenue
pittsburgh. PA 15219
(412) 434-7955
WWR#021 08237
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TRUE COpy FROM RECORD
In Testimony whereof. I here unto set my hand
and the ~I of said Court a~ Carlisle, Pa.
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Prot otary
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CITIBANK, N.A.
Plaintiff
vs,
Civil Action No,
PEGGY ALLISON
Defendant
COMPLAINT IN CIVIL ACTION AND NOTICE TO DEFEND
You have been sued in court, If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this complaint and notice are served, by
entering"a written appearance personally or by an attorney and filing in writing with the court your
defenses or objections to the claims set forth against you, You are warned that if you fail to do so the'
case may proceed without you and a judgment may be entered against you by the court without further
notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff,
You may lose 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 AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW
TO FIND OUT WHERE YOU CAN GET LEGAL HELP
LAWYER REFFERAl SERVICES
Cumberiand Co, Bar Association
2 liberty Avenue
Carlisle, PA 17013
(717) 249-3166
COMPLAINT
1, Plaintiff is a corporation with offices in Sioux Falls, South Dakota, 55117-6124.
2, Defendant is an adult individual. residing at 6304 Valleybrook Drive,
Mechanicsburg, PA 17050.
3, Defendant applied for and received a Citibank Business credit card issued by
Plaintiff bearing the account number 5472-3300-0076-3846.
4. Through the retention and use of the aforesaid account, Defendant became bound
by the terms and conditi?ns of the cardholder Agreement, a true and correct copy of which is
attached hereto, marked as Exhibit "1" and made a part hereof,
5, Defendant made use of said credit card and has currently a balance due and
owing to Plaintiff, in the amount of $5,560.17, as shown by Plaintiff's Statement of Account
attached hereto, marked as Exhibit "2" and made a part hereof.
6, Defendant is in default of the terms of the cardholder Agreement having not made
payment to Plaintiff as promised, thereby rendering the entire balance immediately due and
payable,
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7. Plaintiff avers that the Agreement between the parties provides that Defendant will
pay Plaintiff's attorneys' fees.
8. Plaintiff avers that suCh attorneys' fees will amount to $1,390,04
9, Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed
and/or refused to pay the principal balance, finance charges, attorneys' fees or any part thereof
to Plaintiff.
WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant. Peggy
Allison, individually, in the amount of $6,950,21 plus costs.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL
BE USED FOR THAT PURPOSE.
WELTMAN, WEINBERG & REIS, CO" L.P.A,
James McNa . Esquire
PA 1.0. #7834
WELTMAN. EINBERG & REIS CO., L,P.A,
2718 Koppe Building
436 Seve!)l Avenue
Pittsburgh. PA 15219
(412) 434-7955
WWR#:021 08237
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Citibank MasterCard"'
Business Card0
Agreement
, .
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This Agreemgnt covetns rhe Cilibank MasterCard Business
Card Account (tfie "Accoun\") tor the Ccmoany and each
person issued a Carel on the Account. Please read it and keep
it for your records, The Agreement becomes effective once
the Card is used,
AgreementTerms: '
I~ this Agreement Hie word "Sank" means Citibank (Sooth
Dakota). N.A., the word "Cerd" means either one or more
c3rdslssued by the Bank il1 connection with the Account, The
word "Company" means the business entity that applied for
the Account: Ihe word "Cardmember" means each Individual
designated by the Company who is issued a Card by the
Bank.
About The Account And The Card:
An Account may be ops('\ed only in the name of the Company,
The COmpany and the Cordmember agree that each trans-
action made on the Account wil! be primarily for a business or
commercial purpose. Cards will be sent to the Company for
d\stflbulion to each Cardmember. The Cardmember must sign
the Card in order \0 use it. Only one Card will be is.sued per
Card member, The Card musl be returned to the Bank upon
request.
Company Reoresentative;
The Company 'Shall deSignate one person to repfesent trle
Company in the administration of the Account. The represef'!-
lat;"'8 shall: (i) be familiar wilh al\ aspects of the Account: (il)
handle all Company and Cardmembar inquiries and billing
disputes, credit line increase requests. and other requesl,
and notices Under this Agreement; (Hi) upon requast provid;
the Sank with such Information and documentation the Ba!,,'
deems necessarylo protect its i('\terests in the Account: (IV
promptly advise Ihe Bank of Ihe termination 01 a Ce'clmen-
ber's relationship with the Company; and (v) upon such Ie;
mination. collect. cut in hall, and return to the Bank the Car
. of the Cardmember, .
EXHIBIT i
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the. Bank is notified or $50, whichever is loss. The Sank can be
called 24 hours a day, 7 days a week, II lOe Card is found or
retumed after the Bank has been notified, tM Card may not.
be usad. It must be cutil] half 8I1d retum2d to the Sank.
Company And Cardmamber Defautt: "
The Company wi\j be in dGtau!t if ttla Minimum Amount Due is
net p'aid by tho Payment Due Date or if the Company fiiilS for,
banKtuptcy. fails to meet ,.ny of its obligations in this Agree-
ment, or exceeds ils credit limit without tM Bank's permIssion, .
Upon a default, the Bank msyclose the Account and demand
immediata payment ollhe full balance from the Company and
the unpaid Cardmamber balances from each Cardmernber. .
The Cardm':1mber will 00 in default upon his or her failure to '
meet the applicable terms 01 this At)rssfT\Qnl. The tiling of
bankruptcy by lhs Company or a Card member or their sub.
sequent d(scharge shall not relieve the remaining parties' of
their obligations under this Agr,aemenl. , .
Collection Costa:
It the Bank relers collection of the balance of the Account to a
laWyer. the Company shall be liable to pay to Ihe Sank a
lawyer's fee of 15% of the total balance (where ""rmitted by
law). plus the Bank's court costs, collection agency fees and
any other fees allowed by law. If the Bank pursues collacUon
against a Cardmember for unpaid amounts incurred by the
usa of his or her Card, the Card member also shall be liable to
pay to the 8an};: (i) the Cardmember'S proportionate share 01
the Company's accrued interest charges, fate lees, anc un-
paid memoorship fe'es, (Ii) a la;>;yer's lee (if the Bank hiras a
,Ia;>;yat), of 15% of such amounts (where permitted by law),
and (iil) the other costs and fees sat forth in this section. .
, Account InquJr~s; ,
If the CGmpany thinks a periOdic statament is wrong, lfitneeds
more inlormaDon about a transaction, or II it has received a
credit slip fora reversed oradiusted transaction. tM Company
Represemative may contact the Bank via the phone number
on tM statement or may 'o'IMle to the Bank, Letters must Include
the Company name, Account number, a delailed description
of the matter, and. if applicable, a copy of tM credit slip, If tho
inquiry involVeS Q purchase or cash advance dispute. the
Company must lirst attempt ,to resolv~ Ihe dispute with the
applicable merchant or bank, and shall provida proof of the
same to th<o 8ank upon tequest, On non.cisputed mailers or
any motter shown by lhe 6~nk not to be In error, the Bank may
charge,lhe Company a lee or 52.00 rot each copy of any
documef1l the Cempony ,,'quest~, s\Jch as duplicate periodic
statements. transaction slips. and the like,
Closing The Account:
, The Company Representative shall notify the 6ankl[\ wrltlng
whenever: (i) th" Company d~lres tp close the Account or
cancel any Cardmember's Card privileges. or (U) a C3rdmem-
ber's relanonship with the Company terminates, In ",aeh case
the CompanY stiall promptly rei urn the applicable Cards to !he
. Bank cut in half. Howevar. the Company and such Cardmem-
bers shall remain ra9ponsio!e to pay the amo\JnlS owed the
Bank according to the terms ofthis.Agreement. The eank may
c10selhe Companys AccolJnt or cancsl at suspend any Card.
member's Card prlvlleoes at any time without prior nOllce.
Upon notice tram the Bank, the Company and each Card.
membar shall destroy each Card by cutting il In half and
surrendering it to the Bank, If th"ra Is a credit Qala.-\ce in the
Account arteritis closed, the Bank shail refund Ine full amount
o~ the balanCe to the Com;nny,
Changing This Agrooment: '
The Sari\< mey change this Agreement, Including tile Annual
MemberShip Fee. interest charge and the annual percentage
ra(e. at any time lIDon written notice to the Company, If me
Company does not' apree t~ the cnange~, tha Company Rap-
resentative must noti.y the Bank. in writing within 25 days aftar
the effective date 01 the changes and the Company must pay
tha Bank the remaining balance pursuant to Ina terms of the"
Agreement In eNect erio! 10 the notice date, Olharwise., the
Company and each Carcimamber shall be deemed to have
agreed to the change s in t,le notice, The Company agrees to
promptly nolify all Cerdmembers 01 any change to the Agree-
m~n\. Usa of the Card aiter the e~ae\(ve date 01 the change
shall be deemed accep:ance of the new te(Tl'lS by bolh. the
Company and Ihe Cardr.,;mber,
09lay In Enforceman~: .
The Elank can delay enforcing its rights L;nder this Agreement
V~!hout losing them. .
Appllcable J...sW;
This Agreement shall be gcwernad by and interpreted ir
accordance \'fith South Dakota en9 rederallaw.
(g) 1991 Cltlbank (So'A, 0 a:~ol,a). N.A.
Member FDIC
BUcbl 3/91
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Interest Charge On Cash Advances:
The CompMY shall p"y Interest at a clatly raC~ of 0.046027%
(16.8% Annual Percentage Rate) tor caS/1 advances kom tM
day 1M casli aovance is ta~en uncil the dey th. Ba,1k receive. '
paymant in E!Jil, The Bank will calculate tha "'leresl cn;.rge as
follows: Starwig wlih the PrevIous 8alanca fer cash advances. at
the beginning 01 the billing p~riod. on each ck."Y of !he billing
p;>riod 1t\.e8a,\< will sublract!he payments it receives 2!ld rEfunds
It ma~es, and will add r>ew cash adv~ces, new cas.>; aavancB
Ir'!f1saction fees, and othar aditlscments, This ca[eulaliolr deler-
mlMS the dailybalanc~. At 1M end of Ih" bili1ng period. th~ Bank
oivldes the lotal amount of all the daily balances by the number
of days 'Il\ the tliliing p"noo, The Bank tl"<!n multiplies ltle leStJlt-
ing amount -Iiaceo on me bill a3 ma "Belance Subjecno Interest
Cnarr;l,l' - by tha rate of 0,046027% 10 arrive at \he caily Interest
oharge. Tne B2r,k lMn multiplies the daily intersst charge by the
~otarllumoer ot days in /he billing period /0 arriva at &1e monlhly
interest ch.!rge.
MinImum Interest Charge:
The Sank will charge the Company a minimum inlereel charge
of SQ<t (Or each billing perioo in Vihich an InIBr".t ehar\la
calculation is leas tl1an SOe, The 8M" may add the cMrge to
etlher lha purchase or cash ..dvance bal.anc::e Bt its discration"
Cash Advance Transaction~:
The Bank wHl aod an additional fe. fOI e~cl1 cash advance
transacticn. Tho I~ lor acash advance at an Aulomated Teller
Machine shall be 51,75, However. HIM cash advance is
oblait\8d through per~nal IntNactlO<1 at any tlan~ or othef
financial ins\i{ullon. including Ci\ibank. the je;, shall equal 20/0
ollM am'ount olthe C'lS1\ <Idvahc8. axce9t mat 1M fee for any
caSh advance shall not ba leS:lthan S2,OO or IMra tl1an 510.00.
Late Payments And Retumed Paym,nts:
ihe Bank will charge the Company a lata paymsnt/e<>01 $25
lor e~Ch billing penod in which tM minimum paYment Ustad
on me bill for the Compony is 1'101 received within 25 days aftar
its Paymem Quo Oa19. The Ban', will also Charge me COmpar>y
a 510 lea lor "'..sch check payment 01 simHar payme(jtin.lru-
ment wrillen by the Company or Ihe C.!lromember ltlat is net
holtOred or that Is relurned to !hs Bank becau,3 it cannot be
oloce3scd, Th~ 8MI< will ado th~e tees to th. Compe.ny's
pUrCtla,2 balance, tlut in the event 0\ 1'10n-payme!\\ will add
them to the N$w 8alanc$ allndividual C.rdmamoers as IMe
Ea,nk <learns epploprla\e,
Account Payments: '
Ina 8ank will apply 9aymcnls made by th9 ~pany to 1M
balances 01 tne Cafdmcmbsrs, The e.~i< wm accept a combi.
r.:accn o,f payments by ih2 C~:-,parrl and Cor:j:7tEr\,~i5. pro.
"ICed.: (I) ttl-a co;r:ckr~rj am::""::".t at least equalS t:-L:? ~in;r;.t\.lm
paymonl due for t,'", Cam~an\,: (;,10 [ii) all of ">;a p.yme~ts are
Ii"~Og by the Parman! Dua D~!~. Cardmei'iiber5 must Ccntact
fh? Company (or a coPy ef the oilling staremem. rne Senk may
In Its scl~ dIScreliQ\l, aooly all C~ p:art at a Catdrnsmc-er osyme-.""1t
to any charg~ and lees due en Ih~ Accounll/ a Cs.:d:"'l"',vrrtba:
s~~ds a. paymern tI13.t e'Xc~s the Cardmemba<'s ClJrient ~
~lCd. ttla SanK ViUI reflect ~h~ a.."nCU('\t of thi exc9'SS en (lie
Ca:dm~mber's s~tiQn 0{ th~ ps(iodiC sts.tamant ns a cr~dil
!>gainst fuMa chargas incur~ Oy the C2tdrnamber, unless me
CCnv,l~~y prop~rly advises l~a BanK to allocate the cr€>dil else.,
wh2ia In tMe kccunt. Carcm~:nber credits ara nc~ r~!l!r'\d'al:J!e.
Acc;spting P"ymtmts: :
The Bank can accept la(~ or partial payments:as wsll as
payments that aI,e =rk2C 'paid in full" or lha~ MVe, O!l\ar
res~ricti"e endorsements. wi~hcut tosing any of it; riQhts urlde(
"'1;(; ~r~m~1'H, P~ymenc lor more than 1M minimum amount
dug Will be Irealae by 1,'1a; 5anK as a single pawnant lor thai
m~.1lIl only. Tne Bank may cisre\jard Compa"y (nstr\lcUer\s to
a!loca~~ a pa.ym.er\t among Carcmamber oAla,1C8S if tho pay-
m~ll' re<:"lv.d a(lar L>;O oaymQr\t dua data. A\\ ~yrMn\S
shall M in U,S, dollars anc ail checM 01 o:h"r payrr.an: In.-:ru-
mSlIts mU9.~ be drawn on funo'5 on depQsltin the United States. .
H0'Y0'8var. tha Sank may a:::ept payments made In Cali::ictan
curl""cy, except Inat su::.'l payments shall be subject to a
curr.r....-y conversion t.. based up<ln plavailir,g c~:r;;nCY
exci'\at\g-a ra~e:;.
Credit Reports:
"[he Company's and GA::--' C_ardmemb~r's p8r!"(,'7'ianC~ cf tMls
Agreement may bet t.t:!pCi:ad to creOil bursaus !..'iO sublc:ct to
lC;lO\V,up credie reports. t:y en;?: 6&1:<. Upon r~que-st (rem {he
C:ornPSlny Repre.ent2:;V? the Sank will disclose lhe names
a."'Id addiess9s of the crejit re.oortinc e~~ncie$ fumist\i1",v L'1e
retJor~. .
Lc:lt Qr Stolen Cards:
H \hO Card is lostor stel~n m ilthe CompMY or a Cardmemb.r
mli'tks someone may l,JS3 It wt{hoU~ permlssioo, the: Com9any
P.apres.ntatlva Of In8 C(;rdmemb~r must nalify tl1e Bank at
C;,C~, The B2flk ma,! held the Company Ii~ole fer all !IJ1'.Qunts
I~curre<l by. ll>e unau\r.cri:ed per:on uo to 1M lime the Sank
ts liotHie,j If Hie: numoef of CQrd5 Issu8.c on th~ Acccu~t is 10
or mora, II "'1e number Is 19ss man 10, I~e Ccmpany'sfiabtnlY
for each lost or stolen ccr~ Shall txI for the ar.;o..:nt inCu.rred up
to {Me t!ma the S~li~ i:; r,otitied or SSO. .......hlchever ts I~ss. The
G\!;dmatT1tH~r's liabin~'f lor a Jastor !itolen Card O( foru~au[hor-
jz.~d ca.rd U!i~ !ngH t.~ lor the amount incurnn'j up to L"'Ia lime
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/12/97 '
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Company CredIt Une: .. .
Whe'1 m9 Account I, opened, me Ban1'. will f:Statl!ish an inilial
orMit lin~ lor \r.a Comp3>"l'/ and will inform ttle Company 01
mal creelt line, The cr~it line will also appear on Ihe CO[J1I?a.-
ny's billing statements. Th.," Bank may cnange the credIt line
oltne Company at its discretion. 'The Company may request
an Increase in the credit lina by contacting the Bani< purSlJ3nl
10 the,inSll\Jctions on the billIng statement.
Cardmember Credit LIne:
Tne 'Sank will assign a portion of the Company's credit line to
each Card member in an amount designated by lhe Company
to lhe 8eoi<, The 8ani< willeslablish pari of lh.. Catdm..mtler'~
cr~it title as a cash advance limit. unless tM Compatly In.
forms me .Bani< In writing nol to give cash aavance'accass 10
, the Caldmembar, The Company may reduce a Cardmel1\ber's '
credit line by giving ae least 15 days' written notice to Ihe Sank,
Purchases And Cash Advances:
The Cardmember may usa trle Card for purcMses wherever
the Card is honored, up Ie 'lIe amounl of lhe Cardmemtlel's
availabla credit line, A Carc:nember with a cash advance IiM
mar recelvo up 10 three Cash advances per d.:Iy /rom finan-
cia institulions that honor the Card, sUb,ect.!o local restric-
lions and loe amount of Ihe Cardmembe('s avallaD/a casn
aallence line.
Annual MQmbership Fee: ' '
The Compatly shall pay the Bank a non-refundable annl.lal
memberShIp fee upon tne opening ollhe Accounl 01 $3S lor
each CartHI 6 or mora Carels are issued on tl\a AccOl.lnt or
S40 per Card ilthe number is.sued is less then IS, If tM issu-
ance Of addilional Cards during Ihe year causes the number
, to exceed 5 Cards, the I~e for the additional Ca:da will tle 535
per Card. Such ree shall be addict to the AccolJnt purchase
balance in tne month it Is incurced,
Billing:
For each rr,omh ....hen lhere is a balance in the Account. the
Bank Will send Ins Company a billing statement. The Bank will
not send a statement 10 a CaldmemOer. The tlillinQ statement
will itemize all naw transactions On the Accovnt dunng (ho
bilnn9 ~eriod, The statement will show the "Minimum Amount
Quo, ' .M "New SO-iance:' and the "Payment Due Oale." The
New Balance is Ihe sum 01 (I) the Company's opening bOllance
(li\st is, the unpaid amount from Ihe previous billing pertod,
callea the "Previous Balat1cs" on 1M billll'\Q slatement) and ~I
new purchases !\Od cash advance~ of esch Cardmeml:!e,:
less (Ii) ell payments Md credits on the Account for [h~ ollllng
period; plus (Iii) any olher adjuslments to lhO Accoun!, mlereSI
charges and jo~s, '
Ratification Of Account Application:
Ey its payment at the Sank's bl[ling Slatement lor any amcunts
cnarged to the ACCOUnt, the Company: (I) ratifies the oric:r.al
Application lor ma ACCO<Jnt <IJ1d the authorily 01 ail persons
signing SUCh Application, ana (ii) authorizes 1M conlinued
usa of the Cards, undar the terms helein, by all Cardniambars
who are issu~d Cards on 1M Account. ,
MInimum AmQunt Due:
The Minimum Amoul'lt Que each monll1 wlil bs Ihe total 01:
(1) The !:)realesl,of: '
Ii) tne entire New Balance It It is lass thall S50; or
il) SSO; or " ,
iil) ttle l:llll~cl interest charges il they e>aeed S50; or '
Iv) 1/2401 the New Balanea, rounel;;d 10 me next doliar;
and '-
(2] Any a.mount past due; and '
(3) Any amOlJnlm excess 01 the Company'~ cre<lltline.
ilia Sank may decide e\ ilS sole olSoretion how to allocate
arnOlJnt:; paid In excess 01 tha Minimum Amovnt OlJe among
the Company balance, a.,d each Caromamber's ba[ence,
Comfl~ny And Cardmember LJ~b!llty
R:lr Account Charges:
Th~ Company will pay the 6M!; all amounts charg'aa to Ihe
Accovnt, whether or not:nay excsia Ihe C~dmembel's or Ih~
Olmpany's purchase or cash advance credillina9, and "'Mlher'
or not the Sank authorized SUCh transactions, plus int~rest
charg~s aM aU Q{osr charges or fees as provided for in this
Agreemem, II the Company fails to gay at leasl the Minimum
Amount Due by lhe Payment DlJe ale. ea::h Cardmamber
shall ba liable to pay Ihe Sank Ihe amount of hi. or her New
Balance. plus the interest che-rges and an other feas provided
lor in this A;/reemanl. '
Inle~t Charge 0/1 Purchases:
The Company sna\l pay interest on all P<Jrch~se3. excepl th!lt
the Bank will nOt eelel an in.!er.s! charse if L'1e New 6alar-ce IS
paid In full by its Payment Que Oate, The Bank will calcula!e
~'1e interest charge as follows: Staning wlm lne Previous 6al-
SlICe lor purchases. an each day of tl'Ie billing period the Sanr
",01 subtract !he payrr.en!3 it raeeillac ena refunds it makes
and will add new purcna~es, such olher lees as ap?fica.bl.",
eno olMr adiustments, This caicul.ltlon d~Ie(mines the tlall',
balance, Unless the Bal1k elect, to use a latar date. purchase
ar~ Meled to the' bel.nca as O/tM d3te 01 purchase, At It>
cnd of the bill\ng period.lhe S;nk divIde: the to\a1 arnou,nl! (
aU !h" daily balances by the number or days In tMe b.' I,r
period, Th9 B~nk than muliil'liss ~'\e resulling amounl-;;-bsl~
en tM bill as 1t1~ "6alance Subject \0 Interast ChargB :-
Ine rate of 1.4% (' 6,6% AnnlJal Percentage Re:e) 10 amve
1M I1Y.Jnlhly intar.s:ch~rQe, ,
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Business Card Legal Referral Sheet
Account Number: 5472330000763846
Bus. Name: PEGGY ALLISON
Bus, Addr: 6304 V ALLEYBROOK DR
BusCityState: MECHANICSBURG PA
Principle Name: RITE AID CORPORATION
Residence Addr: 6304 VALLEYBROOK DR
City. State MECHANICSBURG PA 17050
Media
( ) IF IN FILE OR DATE ORDERED
APPL: _ _'_'_
CBR: -./
STMT: v'"
,
,
CLIP:
INTEREST RATE
SSN: 207528277 DOB: 0000
0,00%
Retail:
CASH:
Res,Ph#
Bus,Ph#
0006129952
7179755882
Date Opened: 12/14/99
Acct Bal: 55,560,17
MULTIPLE CARD HOLDERS
NAME: NAME:
ADDR: ADDR:
SSN: DOB: SSN: DOB
ACCT #: ACCT #:
BAL: BAL:
NAME: NAME:
ADDR: ADDR:
SSN: DaB: SSN: DaB
ACCT #: ACCT #:
BAL: BAL:
OTHER:
EXHiliiT~'~t:,.,~., .....
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VERlFrCA T[ON PAGE
The undersigned does hereby verify subject to the penalties of 18 Pa,C.S. S4904 rdating to unsworn falsification to
authorities that he/she is <<"mo) !og~ ;2;::5C# , (Titlol /f/"4-NJ9-cjeL '. of
0-r//34rot~ , Plaintiff herein, and that he/she is duly authorized to make this Verification, and that
the facts set forth in the foregoing Complaint are true and correct to the best of hislher knowledge, information and
belief,
(Signature)
'i,,<,'.
.~~>:' :.
bERT RISCH
~~Jctr, Collecliollt
mal Card SeMen
cnvill8, FL a22Si
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CITIBANK, N,A,
Plaintiff
No, 01-2031 CIVIL TERM
vs,
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
PEGGY ALLISON
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan, Esquire
PA J.D, #47437
WELTMAN, WEINBERG & REIS CO., L,P,A,
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#021 08237
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CITIBANK, N.A.
Plaintiff
vs,
Civil Action No, 01-2031 CIVIL TERM
PEGGY ALLISON
Defendant
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
SIR:
Settle, Discontinue and End the above-captioned matter upon the records of the Court without
prejudice to refile and mark the costs paid,
WELTMAN, WEINBERG & REIS CO" LPA
By:W~Lr~
Attorney for Plaintiff
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#021 08237
SWORN TO AND SUBSCRIBED
e this --L day
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