HomeMy WebLinkAbout99-01239
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VAl.,URIm ROSIDNBT.,tJ'l'H PARI<, DJSQUI1Un
Attorney I,p, #72094
pAR1< !JAW Af3S0CIA'l'DJS, 1', C,
25 mast State Street
(211;) 340-5200
Doylel3toWn, PA 10901
J\'l"l'ORNliJY IIOR pl.,1\IW1'IIIII
PROVIDIAN Nl\'l'ION1\l., BANI<
Pla.i.nt.iff
CUMI3DJRLAl'lD COUW1'Y
COURT 011 COMMON pLliJAS
VS
'l'helma Roberts
Defendant
(I c/. P 39 {~_;JiJ Tu-
1'10,
OI VI L
AO'l'ION
1, !~e Plaintiff is pROVIDIAN N1\TIONAL BANI<, a national
banking a~sociation located in WOI3URN, MASS1\CHUSETTS 01000,
2, !'he Defendant is 'l'helma Roberts,
place of residence located on 1715 Walnut
1'7011.3973,
an individual with a
St., Camp Hill, 1'1\
3. At the request: of the DefandHnt, P1.a.i.ntif:f issued to
Defendant a credit account, account number 44200006119006'77, a11d
at: all times nl1evant hereto, Defendant was the holder of said
credit account issued through Plaintiff's credit facilities. A
true and correct copy of Defendant's application is attached
hereto, made a part hereof and mHrked Bxhibit "1\".
4, '1'he Heaount that is the subject of the instant.: matter may
have been eHher "l"ir8t Depos.lt: National Bank account or a
proVidian National Dank account. 1\13 of January 1, 1990, providian
National Uank was merged into 1'1rst Depos.lt: National Bank and the
resulting ent.i.ty took the name "Prov.i.d.i.an National Bank",
, ,
,FI~IJM I ~V'''''IT2 ll. flSSCIC:,
TI::I.I it16 34i:l 41115
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lIeCllnt. of. PjWv:/.tJlMl Nil ',rmNI\1, Fll\NK /.lilt' :Iu
l\f.fid~vH on il:l~ Pt~ll/ll f Imcl \',hl1l; tho
uhe/h~ iffl th~ D~aian~t~~
.Ut:.hD~izaa to t:.Ake thl>>
t~atu ~at f.o~th in thM
foraaoin9 r,pmpll~i.l1t:. lillcr'l l:nw (Hill m:>l:roor. \;0 \'.h\!J buu\: pI: har
~nr.Drmlll;ion, Iq\cIWled(fr.., Illld hcdiclf./ 1111,,1. I'.hm:fl iff now chw elmt nWina
from '.l'hMll11" RQbor\:.p l.bll /:1\1111 n I' ,7, ORB, 19 1'1 UEI J.n\'.e,rflf.1t:. Rnn l1\',I:m:nl'lY
f\1lCl/.l/ tllnd \;h~t:. ';hflr(~ qrl.l Illl tlll(I\1I.1I::1 DPI~ 01' Of!:'/J~ltll of flny )~JI1c1,
except F.\13 llrc' thCl:t"'c.,j n Flpflrd f..iUti /.Inn rJ~'fldi\.flcl ,1.n \:lIl'l (lClmplldot ,
She/He furl:hcll: uncl(\)'f:l\', r.lllcl f1 1'.11111: 1:;.11110 pI:. a\:fI!TIent f.1 mElc'la 11Eu:a;Ln arl!l
Imbj eot. to the penl!ll L ir.'ll of HI 1'11,n.A, fleo\:ion 4904, rel.at:j,nil \:0
UIINworn ff41,3ifiul1ticlll t.CI authClJ:',1 l~ir."~I,
. 1fJ' W 9 I ~7
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)ma gnl1t~ ^gent:
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l'rr;'1,qr'111IW ,Iql ttillll VIS^". {If MilIlj~c.lrd:(l ACl0unl
,\,,"'''lliI/\'lh!\lllll'fllkt 1110111\;\ \.:h!l1'.i
Pt\l,l~~ rlll{llIW 1l11'J <~':(jml!l\l ,m,l ~,lit'I' ilNlttl y,',\II ull,\" 1111/ ,-!Lln1 P,lI'IH',; 111':, Al ,~')Lml ^q(t!\'f)\(llll '>.'111,1'11', (tlllurm~ wllletl II 'V(JIII '"HI! 1'1(>,,1\11<11\ 11.111(,1\<11 ! .111 , , , !;t:I:>lPI\:ar,J '\(\'(111\1
IlIlu'lk:uw,\'l !llu A';(")IHlI illl"w~ y;u t, lIlill\II\\jld'il'ill: t,/ (j'jU1'l '((u! VL;,\ \"I,h~;tur(:,lId .;.lId (1I11! \;il1o!') \'(rWflivur I[i'j tlonulvd .1111110 Uill cll~h il,1Villll':l!~ !rOIll u;; ,)1 ,Illy vIlli'll PJ;I;CII'ill:1H!
iIlilllcl,Jl1I1'.illtllthm ,m.! 'Dill 1\IJkl1ldl':dl ~11l11 ',Il'-I\I(I~'~ 11l11'1'IIlIIHl;:i~ dim f:, !l\<l'i ;11'.,,:, 11111.1\,'{,J-.!d h ~'l'Il ,l~ .11I idldl.'I1JI Wll'ilv u;c Itlu ^c~(,.unl In tlli~ Aq,VOII\(!l1t .y,lU' <lnll 'V,)lll' I1\van
ILldl rU:~()fll\)f 1'1'11(\111 Wll I'IlVI' CI tHlt!'1 ,I ';I'I'.Ilt ';;Il,j'\,.I', '1/111 ,'Wu ",lll' 'co(', . .lIld ll~,' Illu.ln j'I'jviJ',Ul tL)hillill (I,wl. 'if lIs a1~1(jf\Cl1$ ;1''; 11:>10,1 on YOIlI tJI1linq ~Iilh)flllilll '1111 '\,:collnl mJY lI:
u~od CIIIY fn, I Ul~(lIl,11 1;1111011 Ilojll~IJh',111 Hnd ,:II,UiI<lIJIl) plJlP'):.UJ ,111,1 IhJI h,( _lily IIU:'lIllt~I'J 'If c;mm\,/~ql piill")~v Any 11',e ,)1 Ihl:; Accoulll Shllll cOll'Jlltulu ilccilpt;UH,IlIJllhll turms vllllil
I\qlillltllunl YOII andWll ,1~!1l11;1. IOlk,w';
PIYln'III!, Y,lll 1'1111 'QCIIIVV " I1lIJlllhly :ltiltomolll dh.....IIl,1 ~ulil !ilJI1!.Hldllhl bal,llIe:l' 1',IYUl\JIII '.'n tlll~ I\CCt'IlI11I:' It!ql/lW'lln (I S \~II.lr:J (cne;;f;\i mu:;1 bu pnynbllllll ,Ill S oHlcll 01 the llJllt, lh~
cllt}d t~ ( Itlwn onllc r al !Iln~llho P,IYll111111 duu 11'.. 'ihGwn .m yOlll iltlllt"1I11ll1 1/'/ U'U ",l';'t1lIH11 ,hill d.llll ,(I ,IC~0W.lflCtl Wllh f;il,/I1Wllt u1sUucIIOf\'.i on YOU! monllill ~Iilloll\et\l COnVi,JI1I11IlW 1~lwd,s
llwl oHlor cllflc~,c WI) ISUllU 10 you mily 1101 to ll~l'd III Wilko pi1',lIli'lll~ "Ii y.j!JIIV'>:lInt ur ti) I1lM.O p'lyl1l11111~ efl ilny OUICI i,,~colml you 1I11VO Wllh IIi 01 our alllliah1'j The pnymcnl ,hill \'tllll>o 2%
,)111113'1111"", biUalH.:O ~hown Oil YillJl,lill01!1l'nl rJlllS U~l ,!!IIlllilll 01 .1"'1' PH~1 dllO !,I\'llIUIII plu~ tlltl illl\(,IH\lt,y 'hlllCl1lho IltlW tJill,lflCO o.c('lld~ your clodll /lno HOWOVIlI 1tl(J p,lymtlnl d(j(l 1'1111 nol t'iI
!os:> Ihan S IfJ (ul1lc~~ your nuw tJillil(\rO 1'3 IWI'''; Ulilll ~ III III '^,IIIl;h <:iI:';O Hili jlHymlll11 dllU Will l:tl Ill!! ,unounl ()j Ih,j flOW hlltlnclJl II Y0lJl Ar.eoulltl~ 11.151 dUQ 01 at>ovc ltw lillllhl lino WQ mily 'tlqIJlf(j
<l11I~hof 1IlllllllHHIlI'ilymonl hilI Wtl Wllll1nH, yo It Ilofortll~)II1'1 :ill If yt.:dll p,lymtlnll~ !II0tH UI,lll !l1(l paYl1liJnl <lUll 111'1111 tu HUlIl!!,1 a~ (1 SIfl~lu paymont and n,1'11I 0111 will bl) .1N'JI,otl to 1I,I\lro
jlaY'1101l1li dUll Wo IlIlIy ,IC':Opt latQ or pmlllll p"Ylntlnl~ or pllYllwnl!. mM~.tld 'P,II<I In 11111'.)/ IIlllfh1d Wllh ()1111I1 lo~lrlGlloni Villhollllo~ln911\11 ughllo colloel nil ilmounts 0Wln!j unclo' ttllS
AglllultHlnl
0'01111 Rovlew: "pOtilill RllllI1III1111011), In orao/lo kOl'P YOll! Account In {jo()(l slill\(jll1\L you il~'tllll\\1t 10 !ill)fllltcanlly me/Oil so 1110 lHllounl of YOUf lotol dOh I Q!1 unsecUlud Iih'olvmq accounli We
Will ICVIOW VI.IUI Acc:ounl.1nd tflH~1 pIC IllllOguliHly 10 OYllllJ.11o 1111I il1l1011111 Yl)ll OWo IOlilllYO 10 tho omounl 01 YIM H,en ClIf/Onlll1COmO (WD COn!ih.wr ill1l1\CIOnSO 10 (lebl 01 mOfO lhan 52 COO 10 bo
9lQnlflCillIl, unless yOU have UUUlclllflllncOll1o) II wo dolofllllno Ihal you, I\CCOUIlII~ nol III 900d ~lan(~'lg your ANNUA~ PERCatHAoC !tAlUS fArRI fOI pUlchasos, cu~tom cash ilnd COlih
lI(tilll1colll1lny be I!IcrollSoll
Plnal1CD Ohilruo" E.r.OI'I,lS d3SClibcd 11\ 1110 OraeD Porlo~ for Purchatot sccllon of tillS AUlCornonl ImOlllctl chnrgos togln 10 ,lCCIIlD on u debll when 1115 Ineludud III ono 01 YOUI dlll'{ b.llancos
iwl conlmuo unlll thlll b.l anco IS loduCO(1 by /I pnyllltll1l Of ClOillt Yow Accounl ha~ thrco balances Ih(l f:lliMil1 Ual~ncg which conslits of pU/chusos yuu mako 1'11111 YOIll Ca,el und lOCi fOI
ce/lllln opIIOrtoISOIVICOS. 111l) aUitQm.QD.ihAw.I}ru;.Q.Ou.!lUl~ Villtch COlli IsIs 01 billancos Ihnl you lIilnsltl/ to YOlll Accounlll\llfl(jlllllilnco 110nsfol chucks nnd balaflcos Ihnl wo lransfOI for you
ond Iho GJ1i.h.A\N01\~II.Ojl!an~.Q Which cons nil!; 01 nil ollltH (/Ish odvnncoll Any paymonl ilmount WO 10COIVO lhul o)(coods 1110 flOanco chargos Dnd 100$ thon dllO Villi Or(!lnilflly bo arphod fllsllo
Iho BlIlallco WIHllho lowosl Annuul PQrconlllgo Rnlo (APR), unhllhal Oalanco IS l(IIO lInd lhon 10 Iho Oalance Willi Iho ne~llowosl APR unllllhol 00l,1I1CO IS loro, flfld lhenlo ony romOllllOij
OlJlonco Wo fOSOIVe lho /!qhllo afJjlly paymunl~ dllIclOnUy Viilhoul fwlllur 'Wl1Cll T110 Pwchalitl CU\llol1l CO'jh Advanco, ,lnd Cosh A(NnnCe Oalances mo fodllCtd by pnymcnls as ollhe dalo
lecelYOclllnd by r:red!ls (o)(cepllol IOV0l8015 of lalo, oyo/.limllnl1d fIllucollanoovs CI1M!'O'1 as 01tho d'110 pvste(1 flmchnsos 1110 InClllOOd m YOllr PurCl1l150 Oalallco as ollho d,110 mado Cllitom
cOllh lIavllncos mo HlcluclCl1ln YOll! Cuslom CI1Sh A(NOnCO 811lonco no; lollows Itllld~ 0 oc lOOlcnlly tUlIIslIlIlled 10 olho/londols 10 1ronsfOl b.llaflcos, os of Iho dalo lIaflsmlUcd, clitcks 10 Iranilor
uolances {IS ollho fJ.llo plOsonllld 10 us 01/1of cauh ;1(NanCuS 1110 IlIcluuorj iii your Cash AtNllnCD llnlnnciJ as follows cash i1(NnnCO$ ffom 01110/ fmanclallnslllu1loll'l nnd lhfough Aulomalod
Tailors, as of Ihe tLlle mojo cash olNanco chocks modo roynb!o I" you IhulllfO Id0l11lflod as cnslllC/'s checks ilnd mOllod to yotl al yom wqll(l$l. liS of sovon daya ahollho (lillO wo pllnl on Iho
chock nil 011101 chocks, Oil or lho (1.110 prosenled 10 us Olhor dotul!l (u.cepl fOf lal0, oY'lI.lInlll flnoneo !lnd ff\lscollancolll chargos) aw Included In YOlll Purchaso, Cuslom Cath AdYIIIlCO, 01
Cash A(NanCO Olllanco as ollho drl10 postod FUliHlCO c1l<1fOo'J 010 ud::lod to yowl)ufchnse, Cu~lom Cash A(NnnCO, Dnd Cash Advanco Balancos each d,ly and iIIO lholl poSllld on lho 11111 dly 01
Iho billing cyclo Thoro 13 flO I1rllCO pm!od 101 cuslom cosh Il(NilI1COS 01 olher cosh O(NOIICa~
To flQUfO Iha ("'Illy rlnilnGO charuo lor uach Iypo of Batanco, WU slall Wllh yow proYlou'3 ("lV'S 001,1I\CO, IHU all ~blls nn(! subtr,lclllU Clc(Ms (or Iho curronl d~y and multiply lho nol amolJnl by tho
apphcohle dmty peflodlc In It) (soo 10tlowlnO pnruglOphs) Tho fmonce chalgo fOf oach Iypa 01 Onl,lnce IS lh\ln O(klcd 10 and Included In thol (j,lY'S Oalnnco Wo 1I0al II CfO,,1i! balance fOI any (~lY liS
lafo Wo dolofmlllo tho tolallmanco chafgos on balanr.os 101lho lllllmg cycla br Il(kling IDQolllof Iho fmanta chlllg05 lor oach typo 01 Oalanco lor oaeh (i.W Wltlunlha billing cycle In calculaling
IU111neo cllluoos, 1I1111djtlslmonl Will bO mo(I'J fOl any IHlnsnclion or paymonl 11m would hnvCi afleclod lho fmollco chmuo calculallon In a pilaf bllll/l() cyclo hlld II boon posled In Ihnl cyelll Tho
apphcoblo {"lily pOflOOIC Inle for such a transachon WIll bo Iho 1010 III oUecl fOf 1110 cUllonl 1>i1llnO Lycle rillher lhan Iho Hllo In OflilCl on Iho dl10 ollhe hnnslIchon
YOlll slulolllonlmclu<los an ovoln90 o.111y bolanco fOI onch tyra of Balanco VOU can fIluUtply t1.1ch nvn/auo dally balanco Ihalls 1l01l0fO by Iho numbof of d.1y'3 III Iho 1)1111110 c.yclo and Iho pCltodlC
11110 to oblClln !luhtotols, ilnd thon odd tho sublolnls 100Jolhollo OOtOfll11110 YOUI lolal flnanco chnr~es all billan.:C's fOllho bllllnq CYClll II n cash lI<t.1nnce tfllnsnchon foo IS r,llalood, lhnlamounl1$
alsoo (Illnncochmijo
'fh. ANNUAl. paROaNTAQU !tATa (APRI 101 IIII/Chnso, IS 133'10, cOI/05pon,I"9 10 1/ OOlly pOI/odIC 101. 01 00033>1%
Tho ANNUAL fIlmO~NTAoa RATl! for cuslom cash advances IS 23 J%, cOlfespondlll!J to a dally pOllex_he IAloof 0 OOJO~'/.
Tho AtlNUA~ PURCUNTAOU RATU 101 cosh "Nnnco", ~3 3'1" cOl/o,pondl1l9 100 dnlly pO/lodlC 1U10 010 0036>1'~
II you (10 noll:olllflN Wllh Ih. 10111I. 01 11"8 A91Oomonl YOUI ANNIIA~ PERCmlT AOU RA Tr. 101 p,,/Chas05 Willi" 23 3'10, cOllO,pondlnjlo 0 (~lly penoel" 101. 01000364'1" ond Iii. AI'R '01 co,h
AlNancos and cuslom ca~h l\\tv'onccs Will bo 23 3%, CO"(l9pon(il/l~ 10 n dalty pOllodlc ,alo of 0 063114% YOUf AccotJlIl may va OIlOlblt Of Iho lowor wgllln, APRa nfle' YOll have mol 1110 lelfJ1s 01
lIuli AQ/oomonllol Ihloo monlhs II you contaclus wo Will reView yOUf Accounl to do1ormlno yow Otlgllllllly for tho lowel APRs
Draco Period far Purehasu, Now pU/chases poslod 10 YOllr AccOtJllI 1f1 billlno cycles wllh no P'OVIOUS bnlll/lco, 01 when thu preVIOll'1 batanGlI Was fully paid dWlng lho cyelo, d) nol beOl/1lo InCUf
1I fmance chnrgo unhllho !llllrl 01 Iho no~l bllllnQ cyclo You Will pay no flnonco chargo on such now purchaso)II YOll pay lhe lotal now balance In full by Iho pnymenl <ftlO 1.1.110 shown On YOUI '
sllltomonl Now purchllsos posle<J m ony olhof btlllng cyclo Incur a finance chargo, and Ihore IS no pO/lOO In which such pUfchases may bt) repaid wltltoullncufflng II flnMco chatgo
Robllo. On Ilia fasl d.1Y of onch monlhly slalomonl rOllod wo Will creelll your Accounl Wllh 1% 01 yOUf nol pUfchasa lransaclloflS jXlslod dullng Ihe slnlelllenl POll(\(? 'Nol Purchnso TIC1nsacllons'
mean. Cilfd pUfchases, lass pU/chllSO nellllslmanls and pllfchaso clnulls JX>sleeJ dlJflnU Iho pouod
Foel, Wo Will chnrgo YOIlf Accounl up 10 $29 fa, uneh Caul you ask us 10 ror'nco, each rolUll1ed llaymonl chock, onch check you WIlle on your Accounllhnl wo rolum IInpald, each slCfl p.1ymenl
Of dOl OI,onownl of such an ordor. oach billing cyclo Wllhm wInch (OW Ac;counlls dollllquonl (Iole c largo), and ench billing cyclo wllhm Which your balanco o)(ceeds YOUf cledll Ilno, even II Vow
Accounllll closod If you lequosl cC1Jloa of billing alalomonlslhll woro fllsl sonllo you moro Ihnn Ihrco monlhs earhe/, Vie may clllllgo a hnndlrng lee 01 S210r oach such copy A cosh a~Mco
leo of 3'1, (nll/lIIllurn $5) may be chnrged fOf onch cash acNonr.o llllnsoc:lloll rnmki on your Accounl
Default. You Will bo III dolnull II any mfO/mnllC\n you provided U9 p/avosl!) bo mcornptole 01 unHuo. II you do nol l':omr1y Willi any pall of Ihls Agrer:mcnl, tJpqn yom doolh, bAnkfuptcy, 01
m,olyoncy, If YOll 00 nol pl'ly olhor oobls Vihon dllo. If a bnnkruplcy polllion 15 filed llY or ngOlnsl YOll, 01 If 1'1'0 bt1lloyO 111 good fmlll Ihal you may nol payor porfolm your obhgnlions under Illis
Agroomonl If you 11I0 In dofmlll wo may, Wllhoul h"lhof dornnnd Of nollco. cancel youI credll pllVl1cges, dcda/e YOlll Accounl bolanco Iflllnodlololy due nnd I)nyable. alld use eny lemedl WO may
havo In Iho ovonl of your defaull.lho out~lnndlng balanc;o on your Accollnl !lhall ccnhnuo 10 accrue InlOfosl allho APH(s) (f,scloscd In Iho Flnanco OhilfUDt so(',lion olltllS Agreomont. oven II
WIl 11lWO rilod 8111110 coUocllho ofJ1ollnl you owo
Credit 1.In8. Yow cro(fll hno IS SI)(t(;lflod ffom limo 10 limo In 0 scpm\llo nvhco Wo may Inc,easo 0/ <ICCIlJfUO yoUl C;lc(lil lIf1n based 011 mlo"natlon wo oblmnod hom you or Yvur crc(lII fecords
Your ovOllnblo CIOlllllS /lOffnnlty IIC (~flolCflr.o holwooll your clo<lil hne and yow Accounl balanco (lI1c1udlnq rrnnsacllollS mado 0/ /1UlhorllOd but nol yol poslefJ) If you sond us a largo paymonl
check, wo may IUml YOIll nVOIlolJlo elOlIi1 whllo wo conflflll Ihalll10 check wlfl clOM for cmloln Ilunsnctlons, 6V1111111>10 clelM moy bo loss You Will nol uso yow Account for, nM wo may lelusa 10
hOMI, ony lfnnsnr.tlofl which would couso you to o~cocd yow AVAllablo CIClh1 ,
p,omlu 10 Pay. YOII nlOIIlISO 10 p.1Y IJ9 whon duo nllmnClunls hOllowed whon you 0/ 501/100no elso usu your Ar.counl (oven II tho amounl chalood o~coods YOllr permission). nil 011101
IIonsnclrons and chllfges 10 YOlll Account and collection costs WO IlIcllllncludlfl(j, but nollumtod 10, IQasonablo nl1orl1r.Y's loos ilnd r.owl cosls (II YOll Win lho SUit wo Will nay YOllf fCilSOll!lblo
aUoIMY'S footi nnd cowl cosls )
OhllllaOI, Allol wo plOVl<Ie yotlllny 110llCO wqlllrod by 11IW, WO may chango OilY pall ollllls Alp{)Omenl /1n(J mU 01 lomOVI) roqlllfornonls If /1 chnrlgt' IS mado 10 Iho Fln/lllco ChlH{JOS st'!cllon 01
thiS Agreemunt the now Ilnoru:o chargo calculotlcn Will ilpply to your 6nl1ro Accollnl holol\eo 110m Ihu olfeclfve fjil!n of 1110 cllnnuo Chnngos Will ilr-1ily 10 hnlilllcus (tIll! m!UOOJIQffiU?'2ilv.1JQ VQ!JL
M~Qunllli1fQ!o.lh~.t;hl!\l_QHhtihOIl!HI nnd wilI11pply whothOlQr /lot yot! COnlll1uil 10 11501110 ACCOUIII
FOfelunl!lIchal1oo/0urroncv COIlVllISlolI. If you lJSO you, CiHd 10' lIans(Jcllons In a CUI/Olley olllOr than U S <bUars lho IIOnSlIcl10ns Will bo converted 10 U S f~IIIIf!l, gonc/fllly uSing Mhol R (II
govolnmonl,mond,1Iod ,alo 01 (II) WholoSA!O morkol 1010 In ollocllho dny bofO/l) lhu Uonsncllofl pfOCOSSII1'1 liMe IflCfollsed hy fl',Io pOlConl (fi%) II (J cledllls subscquonlly <Jlven 101 0 t'i1Nnc!i0n I
Will bll Uoc/oll!lod t\y 1I1e !Il1mo percolIl,lUO II Iho clmfll hilS 11 dlllowul r/OCDssmg dilto Ihclfl!tlf! O~chMljo falo of lho r.ledl1l'arll.1I1 glDalolfloss IlInn thnl 01 tho 011gl/lll1 transachon The clUloney
convelSlofllnto on 1110 dW bololo lho IUlnsnctlon procossln!! <~lle may <lIIlor ffOm tllO loto In olloCI ,111110 IIInO ollho IrnnSflcllon 01 on 1110 !ilIa thtlllonSllcllOlllS posted Qfl youI Accounl Vou
n(J180 10 nccC!pllho convollotlmnountln U n (~,)llilfS
Th, Carch Cl1l1tllllallon, VOII moy cn~col your cllldd p"VII~IJO'1 nt iHl',' IlIno by nolllYll111 us In wrll,ng Md (kJS.IrOYlIlg Iho Clll(l(5) !.Ipon lho Cmd o~pllntlon Mlho ond ollho lODlllh shovm 01111 'II/;,
10SCIVO tho fl(!hlnol to IMOW tho CfHd 'No moy r"lllcoltho Calli ilflel yt.ur cl(~jil rrlVl!tHIO~ al ilny luno 01110/ )0 dj1YS nolico 10 you 01 Wllhoul nolKO If fJormltloJ Ilr 1,1'11 II your Cn/(j IS cancoll{!'.l or
nol ronowod l/lnlltll dUlfljOS mid olll!!I fr!os Will conlllll/n 10 Lo assossed jlilj'l/lp.nlt,: wi.! r.onllllllo Iv 1:0 flllO ,wJ ('lit 011101 tWj1llcoulo ploVlslons of lint ^ljIO0f/10/1 Will lorMln III olfr.cl II YOII
tOlnll/llllo YOIII clodt p'IVlrl/tJOs fll If Wo calico I 01 <b nol fQJHJW IIlll COHj YOll rr10/WJ !on~Jor WIlle t,IICI:ks I)rl 'I,)lll AccolJnl, [lnd YOII 51101/1<1 dosllOY nny lHllIS{Hl dl{)Cf,S we havo ISSlJOJ 10 YOIl
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f'Oflollolllnlorl11ilUon: 1)00ulllon1'. 'r"i\l' \'vII( ph'Vhl-.l"~ ,11 101,1\:1 h' ,:l:IV:' l\lit'i:\! II "'_'ll ..:lldl\'ll! y(,111 l1illll\l II'HllU <)I flll1llorHI ,IG,~ 'l',~ lol(Jr,tl()p(llllilllhll~ IttlH,I',YllIlIlIl {II IlH.cmo U~t)ll ')\1,'
IOqll\l~1 yell Will 1'"lVld,j u1 :ld.lIIIQllul ('Il;1I\CL1~iIlfolll\inI0n Nt, II1',tllY\1 11\\) !111l! L" ';I)lil1!lIIlI'''(1l,llirm hOlll oHI(l'~ 111<'111\111111 ';'0'1,1 1CI")llI1hl iI\I\lIiOJ~ ,Ill<! 10 P1t)yl<).,) y.}IjI niJl'cJ~ .11\,_llllforl11ali\Jtl
lit Qlll VIllI! tl\CC.OUI~t Ii" 11111::-,1." W~l.!lI.M. J!'jQ_~lur\.LII\!',1J[\I~\.lI'''(l,~!lrl \'\l! \lU,I'illl", ~..I_,:~I}\1V'!!. i'N !rOJ'.'li'_lhJ l'; ,\l',1, ;11.\1!\1 !11.1\~ ,'_!:',tl\,':l'!~J IJi 1.\,;1 t,~ 'i!I;JW ~!IJ.'N_IJt!O)JmUll')1l w't~l(.uu.(hl:<llll~. II yllll
(~l/\l)1 /IMI~ YOllr ",1,1'1.lhcl\., W\dOII,tll~ AllrVllfll0l11 ,1 11()!)ilIiVl! (..l.Jdllll'l'nrIIlLll fl',ly hllll),~I (,r1l(jl1l [~rilililIlLIV LH '.i\lt1l11llll:d t 11'11 ,:rold hll-)t1lll1J J'IlHl~I\ll;,
Qu.tomor !loIVlto: UIl.1ulhorllod Utt, ~.q"l ar Thull 01 Phockj or Iho C.ud, b,:h '-;,11<1 1l1lJsl ti\' ~lqn\!11 IJll II!,:tl'PI '((II .IIH (..1',1 'Alb,UI' k.r -jafli'luilld'l1llll1ll C.tlLj YOUI Pt'J~,)Il,lIldl'IlIiIi.:aIIUl
I hlll,lt~~r ('P~II,' which Pl~Y:l\!J ~r.r.Q'H 'v A1I11A1H11I~J r \lilli' ~1'~lt'lllnU'J) and dll'~ ,:loJ~t ~ 1~:;UlJr\ I,) 1',:11 Ih)/1I lhull -ill'.! ~,tWr"lq ()III PI! j "\lfI,IL1l\t !r')11l '{(!III C,.r,l II jlJlJ d,.COVIH ,JI;IJlilocllllal
y(Jlj, 1.,]1.1 1111 "r ,11\Y III1U,O" dli'r.~~ illtll,l~ll\r $lulUI\ III 1I1,111t'1l!1! 1I1,IY t I' .111 lif!,llllh'"II/H,1 IrdIL;JcIH,Hl '_~n y,JIII !\cunJIIl .;:IJ....111 p1fJI11I,!" 11 Jilt,' 11'.. tN (;illl,IlIJ 1.~OO.gU.7221 0'1 ,^,U l~all
IIHII10<J1,11illy n.;llo 11111111,i\S'I~ illld IlilLlllIy YI')\j Will f!/ICirw IlL Il~UI\ lhulIllll Y(lll In,l, ,ilL'> IhiMy II'. ,n W/IIIIII) YOWlidtJllllV kl 11!),llIlIl}fl;iI-1II~V ,;CIII/II1'l hll!)!\! y011 IHllily lJ'.. I~ 1;111111,.110 $50 If '1')\1
fOll{)l1 \\f W111U~plCt ulltllllMlIlod lI~lJ of your !\celllilll wu mu~' ~iIl'JIHl!1d '/\llll , r\!loll'II~IIt1~Wi ulllll WII rO';i(II~ll IIH,l l"dJlltll1 I: C'I! '"lll~IJ~ll'iil ,)1 1'.i~\JU you <lllilW l~ar,l II '1,)11/ \:(II,jl~ 1\1'.01 01
slolon Y.111 Will prol11lll1y ,IO';ilroy all cho,:ks III your PIl\i';iUS\iI(!ll I flIUlIIIOI({J ';U;;I:;III1)1 'JlIli(ICn ,Inll ,IU.:llllly you II'Vlllllh,lll(JUI';;II. mal' hJ rrhlllllClt.Jrj lolr loc\HII\ld
Mueh~1l1 Rpl~lIQn., W{I Wllloot to lIilblo II (lily f'(U~'~u 0r I\ulolllalud IIJlltlI t,bCl\lllil ruhWl'i 10 Illml~1 Iho (:;lr<l 01 aCC\'llt ycur .:h\lCk';i ,)I b.[c, 10 rlllum tl1u Cilld lr) you V'/<J h.1VO no hl~r<lllilhlllli
lor 1J(\l.,'<I\i llrHI3UIYICl15 Plllr.hllUOoJ Wllh 11111 e.lrd 01 clwckL \l~Cl'Pl il':i h1qlllllld III LWt (Sltll ,1f;l'I~lill Hulo b.l!oW I CIIIIllln tono'il~ lllilllHtI ilVllililt~l(! 1'1'11111110 AccOllnl .11t11110Vldlj,ny 1IIIId ",Illy
VIH\Cjl)l~ Wu iHdl\O! roup,;nHllu lor 1110 qUlllll~ ilV4111.lb,hly or rll~,llll'.i 1)1 ,IIlr' ,>~ lI.u ~J1VIr.U~ '"lll r.hQ,;so 10 .,31,1 .
SIOI) PaYllIonl Olllon, If y,jll wl~11 10 slep llayltltll\l ,)I\.J ctw.;k '101' IlHI'} ~t1nd,J~ a "lep payrntllll .)rder by WlIllIHllo lib ;11 ':(H rh~lrlm fer ~UH)rnlll ~erVlctJ 11~lo(1111l YOIU \ItntO!l1eill You ellll
mllKO iI Slep paymellt wlor olnUy by' c.11111l91hu rHHllPt!ll13htd on Yl)W 5tlll0l11unl Whul\ Yl)l/ rnil~,u U .tejl !'.lymont or dill Y(J\I HlIlSI/ili;VI(!iJ 'lour .\eC0unl lIWllt-'ur i1IHl ~ptll~lf'l; 1I\10rlllll1101\ ,Ibout !l11l
Chud~ Iho ll\/I~l nl1loul11 Illo d:llt) ol1lhll ctlU'~~ 11m I1IHtIO 01 lilt) l'iHlY III wh)m Ill'l'ilS Ih1Y411l10 tile nnmtl .A Iho p~.H$vll whr. ~Iqrllhl,j ,11\111110 .;l1tid I\UII11>'/I YOl! Wilt blJ tl5~t1'llo CVn(lfIllllrl or.ll
1I1op paymonl tlldor HI wrlllll~ W!,l"mUrJ.l1lil~' IUU-Y\1.lJ{.rJU1Ll,}J1lvL1_'\'t'_\utJ.IlQIIU~~l.Yltil.IE.mll.'J.WItU91L~,Qltl~muIlQll.'ft'lltU!llw"_'O'~~t~ {l{li\LU1.1!,.QIJ.L~[~"'l! 01 If Wo tu\Yo nollil:ul~'~11 i11l lIMqu,ll"
du$CllpllOn oll~o Itom I(JIlInl Pilyrnoll can \0 slc-ppod rhu ordtJI Will nol l;(l ull{l~IiYO I lflU r.h{lC~, '/(03 pilld by us bulolo wtllll1cl n rtli\sc,nnll'o cpport\II1II)' 10 ill:l on tho \lldor Wo nllW Wllhout
lillblhly. dllueQl)I(] 11 WfllhJn slop pnYfllont of( / ~I( mnl1t~s ullor l\lCUlpt lllllo~~ 1\ IS hH1uwuljl/l WII11!1(J
Bllndltd of OalO, OOCI\lI~O !lus Accollrlllnvolvos both 1:!Odll cn/oJ ilnd r.hO(:k Ililfl!iOGIIOfl\l wlw:h MO proctl%od IlllOlHlh ~\!')ilI,lto nallonill sySlor1\ll hl/o/O till! IHlllsnr.lli)flS alo con~olld.ltotlllY U~
nmJ btlcOUIO nol ovory chock ond COld 5lip Will bu sUllllo U~, IIIIIlUIt:tlorHi ill yow ACCoWlt Will bu pIO{:o~sod fIlllchnr\l(;a1ly wllhoul Olll nocomlllly rtlVlowul\j ovary 110m (lur pror.\lUlrH] sy~tum Wlli
coli QUI aUonllol\ 1(1 corlMI rlomo wInch wu Will UXlUI1II1U Wo Will O\nIllIflU illllwfl3i\C.tIOrlll whun yuu rcp(JIt lhal '1011I Cal(l c'r chllC~~ tlMo 1){1011 h)~1 01 510101\ Wu do not Inlund ortllilllllly 10
oxnmlne allllomll, nnd wo 1'1'111 not bo nC!}hgunlll WO do nol do \10 '/lIS wlo o'Jlabhllhl11l1l10 !I111f\dard of l)/lllnlllV CillO Which wo In ~ocd Imlh 1'1'111 O\OlCI$O III ollmlnl$lolll1ij youI Accounl fJocau$o
of Ollr 1III111ed rovlow l1nd becauso 11011hol YOlll cnncollod chocka nOI Cald IIOn5i1clloll shp~ Will bllllillJlrIOd 10 YOll WillI thu monlhly slillulllenl vou ~llollld bo c%fullo \lnlor oil cll~C~111l YOIU
chock 1091~1(H or olhorWlse keep n 10eoHI ullllom You Shoutd alGo snY(1 you/ (;lll\li! l:;ud cMIl olNonclI iln(1 plJ/chnslI slopS J\!U aU{I:ll.1Q.'I1C1t~-2JJllllQllUtli'_illllQll.ltllliilUll~lllY~.lI11Q.q2LdIl{IlL
IllMliIIJJllllllUll1talilY.2l.ft!\! .lUlJIulhlllila\IJliUllac.IIQ111. ~ IUllJ... .
Walvor of Celtaln Rlohll, Wo "10~ dtllny or WIIIVO olllO/comun, of ally IJlQYISh)n of Ihrs ^~Jtuornonl WllhuulloSllI1] ow rl~hl 10 onlo/co II 01 i1nr othol proYI~lon Inler YOll WfUYO lho Ilghllo
ploUnlmonl. llornnniJ prolos!, or 110tl(;0 01 <LlIllonor. any upplicnblo ~llltuto of hmllllllonll, and llny II(Jl1t YOlllllny Imvolo reqlllfU Ullo prococ( aunlnsl i1nyono bof% WO flto IIll1l agalnsl yotl
Appllubl,l,aWISoV.r.hUlIVl AulunmQIlI, "/0 mnllO/ WhtHO you IIYO, lIus AOloCII1\H11 and (alii Accounl ilia govornod by (eJorlll !,1W and by New Ilampsllllft low Thill Agroomonllt l\ final
O:c'pIOlJ'IOn of Iho agrcomllnl t'oolWoon YOlll'lfld 111;1 and Inny nol bo conlrn(ll<ilOd hy 11VIdonl.lt 0 Iln~ o110(IUlI ,)/<11 o~rcernlln' If any prOVISion of 1I11~ Agloornonlll hold 10 be IIIvnll{J or unonlole-oahle
you omJ WO Will con~Idt:lllhal ptovl$IOn mf)(!lrlod 10 conform 10 I1pphcublo Inw nnd Il1u fosl of 1110 provlulons m lho Auroel11onl WIll '1111 ho 0111urcoablc Al ilny lUllo offor we dotlHl1\tnO III goodl811h
Ihal any p'Of'Kl,o(1 Of onactocllo~lsla\lon IOUUh110ry acllon Of ludlClilIlloCI9101l hall Hll\dOIO(1 or IIlllY I\lrultll nt\y mulollol pr()VI~IOn' of tillS Agrccmunl U1Voh(f or unonfolcoublo, ollmpo$Q nny
Incroased ta~, loporlrng roqwromonl, or olhe/ burdon III cOllnocllOIl Will! /Iny $Ilch prOVIsion Of lIs onlcrcumulll, wo mny. ,,1101 illl01lst 30 dnYfi nollce 10 YOll, 01 Wllhoul nollco II pormlltuf! by I.1W,
concolll1o Card and your Clodll pllVlloij08 Wo may lIonslol 01 assign 0111 IIljhl 10 nU or lIom(l of your puymunlli IIlllato law IOqul/OS lhal you rOc-olVo 110lico of such on ovonllo plol0GI tho
purchosof or o5$lonoo, Wo mllY OIVO you slIch lIoIICO by (111110 n rlOflllCII1!j slnlcrnonl Wllh lho alnhn SoclotOlY of Slola
Nallen, Olhol nollcaa 10 you $holl be offoclryo whon deposllod HI lho mall ;HkJtcS5od 10 '1011 al 1110 nddlo\ls sllown on OUI fOCOj(J$, unton alongor nolleo porrpd IS spocllletlllllllls AgrOllfnonl or
l)y faw. which pollod ,hall 6101\ IIpon mmhng Notu:o 10 us ~hull bo mUlled '0 0111 ntklloss for cuslomol ~(IIVICO on yOll! slnlernunl (01 Olh(\1 ulJ,jlossos wo mny SpOClfy) find ,holl bo olfar-Ilve whon
WO lacelVo II
YOUR IIII,I,INO RlOIITB" IInUl' TlIIB NOTion POR pUTURn UBU, Till' nol!Co cOlllnlllo Imp<lllnlllllllmlllollOlI obool YO/lll1ghl. ood OIlIIO'p<lIl"blhll" '"dOllho FOIl Crodll Ullhng Acl
Notify U.ln Ga.. 0' I1"Of. Of QII,~t1oll' About Your UIII, II YOII tlllnk yoUl lull II WfOrlg, 0111 YOll !loud moro ulfl)rl11allOfl aboul ony ItnnSilchon on your bill, wlrlo US, on II geplllnlo sheol, nl 0111
lllkJro$S fOI cll$lornur 101VICO 1I110d on your bill Wlllo 10 us II'll \10011 as posalblo Wo mUlIl hoar 110m ~Otl no Inlol Ihnn 60 <I<1Yl aUor '1'10 sonl you lhu fllsl bill on Which lho 01101 0' prwlom
appealed YOll can 1(\ Qphono \15, bul (bm(l so Will 1101 prOllftlVO YOllf Ir(jhls In yow leller, 91\'0 liS Iho foltowln{J mlormllllol1 "YOUI namo and Accounl numhOI "Tho (~)llaf amount ollho
8uspoclod OHor "Doscrlho Ille ollar nnd oxploln. II you can why you bohovo lhoro IS nil 011('>1 If you neod moro mformallC'1l dose/Illa thllllom you oro nol SIIIO aboul
Yallr Righi. "", 0111 /lupolI./I1IIIt/.. All" W./lo,,/v. YOllr Wrttl'lI No/l". Wo IIIII.t ocknowl"'Jo YOllllollOl wlllIIO 30 day. IInlo" W. hovo cOI,octed 1110 OIlOf by Ih.n W,IIIII' 90 dayo.
We mUll ollhol cOllecllhe ollor or oxploln Why wo boliovo lho bill waR cOHccl Allor wo rocolvo YOlJr 101l0r, wo cn/lIlollry 10 collccl any "mounl V"'j quo$llo/t 01 repoll you all delinquenl Wo call
continuo 10 hili y<)u fOllho amounl yotl quoslton. IIlcluclnlg flnancD ehOlios, olld we can apply any IJIlpnld anlOunl ilglllnsl YOIJI Cftl(li! IIno You (k> nol hovo 10 pay ony quollhoned omount wllIlo wa
alo rf1,veslrgnlrno, bul you ala IIltU obllgolod 10 pay tho pllt1S 01 yow brll hnl aro nol III 'luoslron '
If WO find thai We mode a rnlslnko Oil yoU! bill, Yllil WIll 1101 hovo 10 pay ony Ilnoncfl chlllUo fOllllod loony quosllOnod Ilrnoulll II Wo (lidn'lmoko ,1 mlstako. you may have 10 ~y flllllnco chDrge~.
and you Will have 10 mllke up tho mlasod paymenls on lhe quostloned amounl III erthor cn~o. we WI!llIand you 1I stnlornonl of lho amounl you owe and lho dl11e lhallllS due II YOII 'rullo pav Iho
amounl wo lhlllk you owe, WO may lepo'l you as dohnqlJol11. Howovor, rl 0111 flxp1ilnollon doos nol !Jo:lsfv YOIl nnd YOII wrllo 10 U\I Within 10 d<lYs 101l1l1g us Ihol you ~hll refuse to pay, '110 mualloll
olly~no we reflOll you 10 lhol you qlJe~lron yoU! bill And we fIIllsl toll you H\o nl\mo olllnyono WO lopo/fo(l you 10 Wo mllst toll anyone wo fCpoll you 10 111811110 mollor hnll heensol1led betweon
us whon II finally II II wo {bn'( fOllOW Ihoso wlall, we con'l collocllho fllsl 550 ollho quosllonod amounl, ovon II yow bill Willi COHect
Spec/" Rill. 'or Of,'lft 0"" I'urell/uf/!, If YOll hove a problom w,,1i Iho quahly 011110 proporly Of soryrCOS that 'lOti purc/lIuo(! wilh OUI cledll cd/(l and you hnvo lIuxJ In JOOd fallh 10 COllect lho
plohlOfl1 wrlh lho mil/chant. you may nol have 10 pay tho rrmlllnlllg amoIJnl duo on Iho goods or SONICOS Thorn % 11'10 hmllallons 01\ thiS flgl11 (0) you must hovo modo ho purchase In y(\ut
home ,talo, or 111101 wllIun your homo !lltllO, Wllhlll 100 mllos of YOUI cUl/onl mnlllllg atkltaS9, and (b) ,ho ptJIchnslJ prrco must havo boon mote lhan $50 Thoso lnmllllron, {b nOlllN>1v II~~
01 opelale the merchanl, 0111 we mlllledyou Iho o<Njl/llsamont fOllhe plOporty or ualVICOII (11 1\)
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Vl\l.1~RIln ROS~(\jm.jU'I'1l PI\RK/ luSQUIIUU
A~~orney I,D, #72094
PARK LAW ASSOCII\T~S, P,C,
26 ru, S~&~e StreB~
Doyhl~ltown, P1\ 10g01
(211;) 340-5200
A'I"rOHNEJY FOR P[,III(\j'I'I FI!'
pnOvIDI~ N~~ION~~ BANK
Pldnt;iff
CUMa~R~AND COUNTy
OOURT OF OOMt>lON PI,~Ml
va,
'l'lII1lL~1A ROBIUR'l'S
Defendant:
NO, D~.1:il39
~IwrIFF'a RmSPONSIIl 'l'O-DIIlFIIlND^NT'~ PRIIlLXNINARY OaJIUOTIQNa
l_._J'laintifL~.JLlleslJonflli. ~o Mo~.lons ~Q....1jtrike fQLllaHlll:.!il_
to Confot'm w:lth Rule of l.,aw Ol: Hule of COUl-t
1., Denied, 'rhe vedfioution f\t;tqoherl to Pluintil;f' s
Complaint is'a writing filed with the'~?~tt)bnd therefore speaks
fot' itself. By wuy of further unswer, tHe vel1:l:f.lcation C\ttaohed to
Plainti.ff's Complaint wal> trtlten by an authorized reprel>entative of
Plaintiff and not by an attorney, Therefore, p.1\.R.e,p, 1.002 is
not applioabl~l,
;:l , Den.i.ed I 'l'he Notice €I t t<lohed to Plaint if f ' 13 Complaint 113
a writing fUed with the COllrt and therel;ore speaks l:or itself. By
way of further answer, the Notioe aH<lohed. to Pl<linti, ff' 13 Complaint
clomplies with P.A,R,C. p. 101.El, 1 (c) i.n that :It provides in the
Notice the organization from whom legal help can be obtained.
3. Denied. Plaintiff's Complqint pleads a cmlse of action
against a single Defendant and therefore does not. need l:o be
separated into separate oOWlts,
t\ I Denied, 'I'he a11eg<ltiono of th.i.s paragraph are
oonclusions of law to Which no response is J:Ejqu.i.red under the Hulel3
of C.lvi.l PI:oeedure, By way of flu:ther answer, Rule 101.9 (a) merely
requires thut the pleading aonta.i.n Il'uteriul facts on which a cause
of €lotion or defense i.s based and that those material faats al"e
pleuded i.n " conc.lae and sl\lllmary form, 'Plaintiff ',13 Complaint
specifically states the basis of its' ~ause of action and states
the material facts on which said cause 01; action is based.
Plaintiff's COlllplaint complies wi.th P,1\,ILC,P. 1019(c) requirel3
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PllAECI \IE !>'Of! I,lBTIN~LCASIl F:01l AIlQOOlfr
(I'fIUlt IJe l:ypewc.it:l:11n ml'1 l1ulmit:tlld in QllplioAt(3)
'l'0 '1'1lI~ I'IW'l'1I0NO'I'l\IlY O~' OUtlUl>llI,ANP COUN'l'Y I
Plo,!lEIO U~t tho "'.ithin III'11:\:ar for t~\e na~t At'{I1JflBl11: Court,
~~~--------------~--"---,-----------~--------~----------~--,.--_~_------~---~------------
CAI''l'lON 01" CI\fJE
(enti.t'llIlIlPl:j,nl1 IInlat \Je atllteq :111 f:lIU)
"
I'1\OV1PI~N NA'l'lONI\1, llANI<
~,
( Pll\intiff)
'1'II/ll,NA 'l\q'lIm'l'R
( Defendant)
, "
No,~__ CivU
19 ~
1. State Il1lltter to be arijued (i.o. I plaintiff's IIpt.ian for new \:r.ial, defendant's
dCl11lu:re.r \:0 cC4]1[llaint, etc,) I 1l1l11l;NPAN'I" R PIUU,UIINAIlV OB.1fiC'I'TONR IInd
I'I,AIN'l'IFl'" fl IlIISI'ONAE 'I'D Illil/I;tIllAN'I" B I'IlEI.IHlNAUV OB.IIIO'I'IONA
2. Ident:\.(y '-'\">unoe1 who w:LU argue cooel
(a) for plaintiff I
1Iddrea01
HOBEIl'1' Il. ANoll'l', lisquIIm
Pllclt I.II\~ AHHllC:llltoo, 1',0,
25 Ellat fltllto Iltroot, 1',0, Box 1779
Iloyloatown, PA 10901
IIHE'l"l' 1', ZANKIn,. liSQUIIIli
321 Ohllrloa Valloy lIoad, 1',0, Box 266
lJuu\lhin, I'A 170lEl
(h) for defendant:
IIddl:'El6B I
3. I will. notify all parties in wdting wlth;l.n two dnva tl1l1t t:his case baa
been .Hated for arm_nant:.
4. At:gU'Tlent Court; Date I
b<ttedl
---~/
At:tornB}' for PJ.A IN'l'l JIll
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