HomeMy WebLinkAbout99-01954
COMPLAINT
1. Plaintiff is a National Danking Association located in Tilton, New Hampshire.
As o{ January I, 1998, Providian National Dank WI\8 merged into First Deposit National
Bank, and the resulting entity took the name Providian National Dank." The account that
is the subject o{ this lawsuit may have been either a First Deposit National Dank account or
a Providian National Bank account prior to the merger, but is now an account of the new"
Providian National Bank, whicb is tbe plaintiff berein.
2. De{endant is an individual wbose address is 33 Cleversburg Road, Shippensburg,
Cumberland County, PA 17257.
3. At a specific instance, tbe De{endant applied for and was granted credit by
the Plaintiff at the terms and conditions agreed upon by the parties, as is more specifically
shown by the Account Application and Agreement, true and correct copies of wbicb are
attached bereto, marked Exbibit A" and made a part hereo{.
4. Defendant made purchases and/or received cash advances using said credit.
5. Plaintiff avers tbat the terms of tbe Agreement provide {or acceleration of the
entire balance due and owing upon Defendant's breacb of the Agreement.
6. Thereafter, in breach of obligations under the Agreement, tbe Defendant {ailed
to make payments as tbey became due.
7. Plaintiff avers tbat the balance due amounts to $10,998.16.
8. Plaintiff avers tbat interest bas accrued at the rate o{ 23.30% per annum on
the balance due {rom February 6, 1999.
9. Per the terms of the agreement, the Defendant bas agreed to pay to tbe
Plaintiff as liquidated damages, the costs o{ collection, including all reasonable attorneys'
{ees incurred in the collection o{ monies owing.
3
Box
_..Year
-~~ch
FINDER '1738067628762
NEW ACCOUNT
DIRECT TELEMARKETING - EOA
RESPONSE INFORMATION
61401529
CALL DATEI 052296
CALL TIM!!:: 154311 .
. CALLED: (717) 532-6730 I
TN NAME: NNOl144 I
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61401529 r
SOLICITED INFO: JEFFREY W CAREY
33 CLEVERSBURG ROAD
SHIPPENSBURG PA 17257
NEW INFO:
REF': 61401529
PH'l: 717-532-6730
EMP TYPE: 0
DECLINE CODE:
SS': 205-50-8407
PH'2: 717-532-9181
SUSPECT ( ]
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INCOM!!:: 45
HOMEOWNER CODE: 0
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Reference Number: 4428002373801648
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)nt #
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3432
96
9
205-50-8407
4428-0023-7180-1618
EX~\T
rtimebcl:.frau
~PROVIDIAN
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PrOVldlan NallonaJ B.1nk VlSAt or MntarCa~ Actounl
Accounl Agreement 101' Jetfrey W C<lIoy
Please revIeW thIS document and ~(.'('() II with your 'l~ moortanl papc1'S Tt>1S Account Aqfeemenl COO'Jlno; the 'crm~ wtu<:f1 QO'iC''' yw PrOV!C3fl NaloOf'\al Bank VISA Of MMlerCara Accounl
lll'.e 'Acccunl') Tho Accounl JIIows you ~o make ~urcrlin~ ':1{ ..:;Irq youl "ISA:>I M~lefC,]'d cara (the 'C.Jra") wtll!'fl'VI,.'f II': 1'l0nCI~ aM 10 ~'t casrJ a<1v'ancC':: 110M lJ'i or?lny Olher oartlC(lIllf'Ig
financial 'rrstllullon and !rom Auloma:ed Te:lcr Macrlll'1eS Con~emcnce cl1ccks nay also te prQ\llded 10 you as 3n ac1ihonal way ~ ..so !tie AccOt"" 'n 1M Aqrecmer11 ''100' and 'your' 'TIean
each person for whom we nave opered a creal card ACCOUnt 'We. 'our. 'ours,' and .~. mean PIO'o'tdran Na:lOfIal 8.1". Of lis a::slQO('eS as ',\100 Ol" your btULr'KJ slatement Tho Aceounl rr~ be
used only for personal, !amlly, hoU';chold. and charitable Ollrpo$e:;, <ma neT fOf any Minas:; Of :ommelclal ~e Any lr.il:l 01 1M Accounl shd,1 ~tllule accer:tancu cltl'e lerms 01 :hIS
Agreement You and we agree as fOllows
Payments, You wIll receIVe a monlnry statemenl ShoWing your OtJtslandng balance Payment on 1"1S Account IS reo,med n t.. S OOllafs (::r<<ks ."..~I be P8'1aoIe al a U S office ollhe bank the
check IS drawn on) fOl at least lho oayment due as snown on your stalcmc'1t b'I 'he payment cue date In accOImnce wllh oaymenl ,m1r\JClIOf!:; cnyOUI monthly stalement ConvenllfflCe CN!Ck3
and Olhef chock:; we ISSI.oC 10 you may nol be used 10 make payments on your Accouf1t or :0 make payments on any olher accounl Y0U have w'lh u:; or oor affilIates I ho payment 000 wID be 2%
of the new balancu shown on your stalement plu'J lhe amount 01 any pasl O'JC ~aymenl plus Ire amoonl by whlc~ :he new bal.1nce etceeaJ your cfealline Howevef, tho payment due '11'11 nol be
less fhan $15 (Unless your new balance 13 less tria" $1; 10 wnlCn c;r.;e rne t:<JymC"1 due will be t~ amounl 01 rhe new balance, If ytM Accounl" p;:tS1 'Joe 01 above lIta Cledlll.t"I6. we may {~re
a htgher mInimum pctyment, bul we Will nohfy you 001010 oong so If your oaymttntls mOle lhan Ir-.e paymenl 0Je .1 wd be treJled as a srngle paymtifll and none of It wdl be awlrcd 10 lu!lJre
payments due We may accepllale or par11al payments or payml!flts marked 'Ddld In fulJ~ or marked wllh olher restllClOOS wllnoul ~lflQ OOf ~llJnllo colleet all amounl3 OWing under lhlS
Agreement
Credit Review: Speclll Requirement In orOOI to keep yOUf ACcoufllln good standing, you agree nolto S'9nJlCanlly IOCrease trle ernounl ':if your tolal debl OIl unsecured revolv1ng acCtltJ'lIS We
wdl revIeW your Accounl and credll profile reglJtarly to evaJuate tne amount you owe reialNe 10 the amounl 01 your then current Income (We consider an Increase In debt 01 more than S2.00J 10 be
slQOlficanl. unless you have sutlJclCntlncome) lfwe delermlne lhal your AccO'JnllS not In good slandtng. your ANNUAL PERCENTAOe RATES ("PR) for purchases. cuslom cash. and cash
.>>lances may be Increased
Finance Chuges, Excepl i:S descr:bed In the Grace Period for Purchases section ollhls Agreement finance charges beg1" 10 acCll,C on a deoIl when 111$ Included In one 01 your darly balimces
aoocOflllnue IJnhltnatbalance IS (educed by a payment 0( credll 'fOOt Acccunt has Ihtee-balances :he PUfCh..lse 3al.Jnce, whICh consISTS 0' ,oorchases you make wllh yOU! Catd and fees, for
certain oellonal ServiCes, the Cuslom Cash Act.Jance Balance, whlcn ConSIsts 01 balances ~hat you lfansfor 10 youl Accounl onlng oatance transfer checks and balances Ihal we transfer for you,
and the Cash Advance Balance whICh cons ISIS 01 all olher cash act.Jances ANf payment amount we fccelVe Ihat etceeas Ihe hnanco charges and fe&$ then due will oHilnaniy be appked firsllo
the Balance wIth Ihe la.vest Annual Percentage Rale (APR), unlllthat Balance IS zelo. ana then 10 I~e Balance wllh the nelll lowest APR, unllltf'.al Balance IS Zero, and then 10 afl'f rem811llng
Balance. We reserve the nghllo awl'( payments dlfferenlly wllhoul further nollCe? The Purchase C~tom CaSh Aa.rance, 300 Cash AcNance Ba!anCCS are reduced by payments as 01 the date
receIVed, and by credits (ellcept f04' reversa~ of lale, over.llmlt. and mIscellaneous cnargas) as olltle dale posled PurchaSes are Included ill your Purchase Balance as 01 the dale made Cvstom
cash advances are Included In your Custom Cash AOIance Balance as fOllows I1.mos electronically transmitted to otrer lenders 10 transler bala1lCCS, as of lhe dale transmllted. checks to transfer
balances as 01 the date presented to us Olher cash advances are mcluded In your Cash ACMlnce Balance as lodows casn act.Janc~ from other financIal IflShtullcns and through Aulomated
Tellers. as of the date made, cash ad\tance checks made oayable 10 you that ale ldcnllfied as cashier's checks and malle<1to you at your lequest, as of seven days after the dale we pnnl on lhe
check; all other checks, as of lhe date presented to us. Other deblls (except for tale, over.limlt. !inance. and mlScetlaneou... charges) are Included In youI Purchase, Custom Cash AOiance, or
Cash Amnce Balance as of !he date posled, Finance charges are aQjed 10 your Purchase, Custom Cash Advance. and Cash A<t.'ancc Balances each day and are then posledon the Iaslday of
the billing cycle, There lS no grace penod for custom cash advances or other cash advances
To figure Ihe dally finance charge for each lype of Balance, we start WIth your previOUS day's Balance, add all deblls and sLblracl all creals lor the cUllent day and mulllply the nelamounl by the
applicable dally perlOdlc rale (see following paragraphs) The finance charge lor each type of Balance ~ then aQjed to and H'lcllJOed In lhal aay's Balance We treat a Cleat balance for any di.ti as
zero, We determine lhe total finance charges on balances for lhe billing cycle by adding togelher the finance chaiges fOf eilch fype of Balance for each day Wllhln the bflllng cycle In calculabng
finance charges, an adjustment will be made for any lransacllon or oaymentthal would have affecled the finance Cha:ge ca;culalion In a prior billing cycle had It been posted In thai cycle The
applicable dally perIOdIc rate for sucll a transacMn Will be the rale In effect for the currenl bllhng cycle rather Ihan Ihe rare 111 effect on the dale of Ihe Iransacllon
Your statement H'lcludes an average dally baJance for each type of Balance You can mull1p1y each avelage dally oalance thallS nol zero t1t lhe numbel of days m the bllllllg cyde and thepenodJc
rate to obtain subtotals, and then add the subtotals together 10 determrne youllolal finance charges on balances 101 the billing cycle If a cash acmnce transactIon fee IS charged. thai amoontlS
also a finance charge
The term .Pnme Rate' as used In lhe Agreement means the highest pnme rate published In the Wail Street JOUTnalon lhe ffst bus;ne'5s aay of the prevIOUS calendar mOnth Any increase or
decrease in lhe Annual Percentage Rate will lake effect on the first dtri 01 your billing cycle and may result In a sllghllncrease or decrease In Ihe amounl of your mlnrmum payment
The ANNUAL PERCENTAGE RATE (APR) for purchases IS 233%, correspondmg to a dally penodlC rale of 0 ~4%
You can arrange 10 have a vanable APR for custom cash advances Ihatls lower than the average non-mttoductory APR you have oeen paying on lhe total balances you have lransferred hem
other creCl! card, retail. and Installment accounts prOVided your other accounts were open In December 1998 In calculating lhls APR we wllltake Inlo account the APRs on the Cledll accounl
balances you have transferred from other lenders ThIS APR IS available only If you provide proof, In the form of Copies of your mosl recent billing Slalements, shOWIng yourolher non.rnlro::ix:lory
APRs Your new APR will take effect In the billing cycle followrng our levrew of your proof, but nol ealll8r than the end ofyoor mtro:iJclory perIOd If we do not recerve such pl'oofyour APR for
custom cash advances Will be as follows: The ANNUAL PERCENTAGE RATE for custom casn acNancC$ will vary and may be adjusted each billing cycle up 10 126% atxNe Pnme Rate, but 'N~I
In no event be less than 211%. USing thIS formula, the APR for custom cash acNances In the December 1998 billing cycle IS 21 1%. corresponang 10 a dally penodlC rale of 0 05781%
The ANNUAL PERCENTAGE RATE for cash aa.,.ances IS 23.3Qk, corresponding 10 a dally penodlc rate of 0,06384%
If you do not comply with the terms ollhls Agreemenlyour ANNUAL PERCENTAGE RATE for purchases Will be 23 3%, corresponding 10 a daily penocbc rate of 000384%, and the APR for cash
ad-lances and custom cash advances Will be 233%, corresponding 10 a dally palladlC rale of 0 06384% YOUI Accounl may be ehgible fot Itle lower regular APRs aNer you tlave melthe terms of
this Agreement for three months If you contact us we Will fevlew your Account to determine your ehglblllly for Ihe lower APRs
Grace Period for Purchases. New purchases posled to your Accounlln billIng cycles wilh no prevIOUS balance. or when Ihe ~revlOus balance was fully paid dUllng the cycle, do nol begin 10 Incur
a finance charge unlllthe slart of the next billing cycle You Will pay I'lO finance charge on such new purchases If you pay the total new balance to full by Ihe paymenl clue date shown 00 your
statement. New purchases posled In any other billing cycle Incur a finance cnarge, and there IS no penod In whICh such purchases may be repaid WIthout tncurrrng a finance charge
Fees. We will charge your Account up 10 $29 for: each Card you ask us to replace, each returned payment check: each check you wnle on your Account that we lelurn unpard: each slop paymenl
order or renewal of such an order, each billing cycle Wllhln wmch your Account IS delinquent (late Ch.lrge): and each bllhng cyc~e wl1hrn wnlch your balance exceeds your credllline, even If your
Account is closed. If you request ccples of bllltng stalements thaI were first sent 10 you more than three monlhs earlier we may charge a ha,"dllng ree of 52 for each such copy. A cash act.Jance
fee of 3% (minimum $5J may be charged lor each cash advance transacllon made on your Accounl
Default, You Will be tn default. If any informallon you prOVided us proves to be Incomplete or untrue, If you do not comply WIth any pari of irIS Agreemenl, upon your death, bankruptcy, or
insolvency, if you do not pay other debts when due. If a bankruptcy catlllon IS filed by or agalnsl you or If we beheve In good faith lhat you may not payor perform yoor obllgatrons under this
Agreement. If you are In default we may, Without furlher demand or nollce, cancel your credit prNlleges. declare your Account balance Immedtalely due and payable. and use arrf remedy we may
have In the event of your defaull, the outstanding balance on your Accoonl shall continue to accrue Interesl althe APR(s) disclosed:n lhe Finance Charges secl!on of thIS Agreement, even If
we have filed suit to colteclthe amount you owe
CredIt Line. YOUI credit line is specified from time to time In a separate nohce We may Increase or decrease your credilllne based on Information we cbtalned from you or yeur credit records
Your available credit IS normally the difference between your credit line and your Account balance (Including transactions made or aulhOflzed butflQt yel poSled) If you send us a large payment
check, we may limit your avallaole credit whIle we confirm thallhe check Will clear For certain transactions, ava:laole credit may be less Ycu Will not use your Accounl for, and we may refuse 10
honor, any trensacl:on which would ca~e you to exceed your avallaole credIt
Promise to Pay, You promise 10 pay us when due all amounts borrowed when you or someone else use your Accounl (even If lhe amount charged ellceeds your permlSslOO), aU other
transactions and chalges 10 your Account, and collection COSlS we Incur Including, but nolllmlted to, reasonable allorneys fees aM court costs. (If you Win lhe SUit, we Will pay your reasonable
allorney's fees and court costs,)
Changes. After we provide you any notice reqUIred by law, we may cr.ange any part of thiS Agreement and add or remove reqUlremems If a change IS made to the Finance Charges seeMn of
thiS Agreement, the new finance charge calculallon Will apply to your enllre Account balance from Ihe effectIVe date of the change Changes Will appty 10 balances that Include Items oooted to l{.Ql,I!.
Account before the dale of the channe, and Will apply whelher or not you continue 10 use the Accounl
Foreign Exchange/Currency ConversIon. If you use your Card for lransacllOns In a currency olher than U S dollars. Ihe Iransachons Will be converted to U S oollars, generally using either a (I)
govemment.mandated lale or (1\) wholesale market rate In effectlhe day before the transaction orocesslng date, mcreased by five percent (5%) If a credit IS subsequenlly gNefl for a transaction, It
Will be decreasoo by the same percentage If the creeht has a dlfferenl processing date, then the exchange rale of the crOOl can be grealerlless Ihan lnat of the onglnaltlansactlon The currency .
conversion rate on the day before lhe transacllon processmg cate may differ from the rate In effect atlne time of the transaction or en toe date the transachon IS posted on yoor Accounl You
agree 10 acceptlhe converted amounl rn U S dollars
Tho c:.nl; c.nc.IIotl.n, You may cancel you, Clodl "'",- al any "ma by no',~,") '" on """9 and ""'"">"'; ''''' C"'OI.) '- ,.. C"'d """""" a' ,,",'nd ollhe month ......n ""~, ...
,...... "" ngOl nol'o '..... lhe Ca'd We may cancel 'he Card ar", you, CI"" ",,"- " an, 10m. .n.. :lO..... ""',.,. to you or "'"",,,I 1101.< ,I...m,""" by law "yOtil COld ~ __"
no, ,.....'" hnanee C""'Q05 and olho, '''''' will ''''''on,o 10 Co "'",.0 "",m,"".m CI,n"n", 10 "".... "'" ,II OI""'~('''''''' """'"".,, 01 1M A~",.""", ... ',,"~n ,n .noe' "\'OU
100monal. \'OU' Clod' "'-'eg" ""w. cancel" "" nol '.....Iho CarO. you m", no "''9'" ''''0 en"" "" yw' A"",,~ 'no yo" ,hould de"'oy "" ""U'llldcnock,.. ha"" .,,"" '0 you
Peno..llnfo,m.U.n; Do.um.nll. 'ou WI" PlOV"'" us" I.", 10""" O".e.''00 "a"'JO ,a.' name """'.'" ~a'''''l_.'' """"""'nu"""" ,,"plOy~e"''' oncome l.\lon""
''''>JeS', yO<J .,11 plovode '" a,."""'" 'nonc~' ,n'o'm"on '110 ....~. rho '~',I '0 00'.1' ."'m""", f,om """" nc",,") Cleo' """"'''''1 8q<!n"", and 10 "'ovode \'OU' _", 'nd ""mal...
iIOOU1 YOU' Aceounl 10 "hers W. may ",. "a'lLn!Q!~1r9!L~~.",!."N"'or.. ''''''''.i'''' ~~_"m~ !Q" 't""i !IT'''''!ll';L'lIJ'''!2Ull.1l'''' ClI'01 ,nf"m""", w'~1n "\'OU
do not ftJlhQ YOU' <bhQ8hOO$ llllOef thIS Agteempnr illltl(J<tlrv~ r.tean fef)Ofr rhal rrlirl '0'1<<1 t'fl you, ~fOOI rl'Iay ~ ,tiJlnlnud 10 ''''' Ctf()! reoorlu'llJ agcnotn
Cull....'S.rvfce; Unoulllorl.od U... Lo", or Th.n., Chocks or Ill. C.nl, Ex" Cald ~," "" '~""""" ",,,,,, '00 Jr. '''''''''''''''01 "'egua''''')lhe Card. yOlJl P""onal 1","',Ilea"",
Numbe' I'PIN', wnrcn "'OVodes acc.., 10 Aulomalcd T "'e, Macn""'1 and any e"",,, ""...J 10 '00 """ lhen and ke<cmq ,OlJI P:N '"""ral. ;om '/001 Cald II yoo drs""", "''''llC<llha'
you< Ca'd. PIN, " any un",,,, .ncek, ar. lOs' or "olen. or :hal '''''' .ay De an unaulf',,,,cd IIa",ac"" en '/001 ACCOun' ,ou..U ",om",~ nol,~ '" by c"Iong 1_7221 So.. can
,"medal.~ ac"o ',m" IOs,.. and '''''.I,Iy. you "'" "'one u, "'co 'I>ou<jn ,O<J .ay at" nolo~ '" ,n ''''''''1 'a.' ''''''I,1y "" ""uln"""", use CC<UII"9 ""'''e yO<J nol'~ '" . I,m'", 10 SlO II \'OU
repclf1 01 we suspecr unauloooZed use of your Account, we milY ':lY.;POru1 VOUl CI(I(11 prlVllegC'5 unlll *e frr"Mv& the prOOlem 10 our :Jal~'ac"on or ~sue you a new Card JlYOUI Card" 10$1 01
stoien. you Win promptty deslloy aU Checks In yoor ,ClO5Slr.:SIOfI ':'0 ImpiO\le CUSIV/':ler ~(!rvlf.e ilr.d ~ocUNy VOO <1QIl'tl !hal '1001 ca,1s tnay be morolOf8(J Of lecorded
1Ie"""nl R.lallons. We w,1I no, "" I""'e " any pcrson 01 Alllomal," r ellel "'ac',no lei",,,, 10 ""norlhe C"d ~ 'ccc.1 '00' c"'"'" " 'a", 1010',," m. Card 10 yoo W. na,,, no '''_blly
few good!l and ,.~~.. P"""''''' .,Ih m. Card 01 cnce" ""'cP' " 'CQu"ed by I.... ISoo s,..."" ~,~ ""....: C,,~'" tenalol, 110.1 .,. av.,"'" .,'" 'he Ac""nl ... p'ovlded by Ih'dJ>a/'f
Ver'lOOlS We afe not r~JlQnst>le'Ot the qtmlJ~,. JV:Ulabdlly, 0/' lesull1 of any 01 lflu SCrvlU.>S you choose 10 '''.ill
SI.p Payment Ord.rs, II you w.n 10 ,"'. paymen! on a enee', you may 'end '" a """..,m.., "de, by '''Io''l'o "',' our _.., '" c",Iom.. '.IVl<.I~'ed on you, "a',,"onl Voo can
m... a """ paym.nl "de, ".,~ by calling 'h. numte, I",,,, on you, '~I.menl When '00 m... a """ ..,mon' "dc,. '00 m"" """'ode your AC<OUI1I numbel 0I1d ,,,,,,,Ie ,n"'mal"," _I "'"
check ,he_'amounl. 'he<lill. on lhe ch.ck, Ih. nam. 01 ,he IIy 10 whom '1... payatl. lhe nam. 01 lhepc."".no '~ned ". and the COee' num"", Voo... "" "'ed lO.on~'m en oral
'lop paym.., "de< ,n w"llng I "" , '" conl"m"o, ""on two ...k, anonhe ..., "de< "II.. "". nolfllCelVOd an adequal.
desoopl"" 01 !he ll.m ""a1 paym.nl can be """"'" Th. OIde, .,11 no, "", .eel.." "" c'oc. ." """by '" ""'0'.'. had a lea,,,,,,,,,. OI>JlCllUnrly 10 0<' on Ih. "de, W. m'Y, .llhoul
iBbIIlly, Ostegard a wntten slop paymenl Ol'der SI)( months aHel recerpl unless IllS renewed In WUllng
SIInd.rd., c:.", Becaus."" Aceoon' ,nvolv.. born Clod" c3'd and choc. lran"'I.." "en are p/OC"'ed rn,OUq' ",pa.ar. nal""", "1'1.01' bef"e lhe 'ransachons are con"'odaled by "',
and becaus. nol ...ry cheek and Cald "ll .111 te '.n' 10 "', Iran"OIIO" 'n YO<J' Aceounl.,1I be p'oc"'ed meeha'<al'; .,,,,,'", our neces,a"o/ ''''OWIng ...ry "em Qu. P'OC""ng syslem .'U
call our ."..1"" 10 c..ta,n ,I.m, w.eh .. .,11 .'amlna W. .,II.,am.. alllran,a"o", .hen yoo """'rt thai yool Cald 01 "'ee" have been IosI 01 ,Iolen W. do nol "'.nd ",;na"~ '0
exam.. .I,I.m" and.. w", nOl "" negl'genl ,,.. do no, do.. T.~ rul. "'abl"... tn. ,randa/d of or,;nary cal. ...... ,n gOOd '."h Will...,,",. '" adm""'''lIlg YO<JI A<counr Boca",.
01 out "'lled 'CIIlCW, and boc:a",e ~",,' youl canc.lled cnec', nor Cald II.n""on ,I,,,, w,1I be '.'ulOed 10 \'OU w,lh rho m""'nty 'lalem.nl. you 'houk! "" car.M 10 ..Ier aU check,.. '00'
check reg.,.. 0' OIh...~. keep a 'eco'd 0' 'hem You '.ould aoo save your Cledl ca'd cash ""'ance and PU~"'o sl,,,, You oo/ee 10 .heek VOUI monmlv "a1,m.." ooOln" VOUI 'ecord or"
to neb"" ll!Ilmmedlale/v of anv unauthorrzed Iransacllons or errors
W.,.., 01 C.rtlln RIghts. w. may deloy 0' wa.. .nlo~om.n' 0' any p'ov"..n 0' 'h. Ag'..",.n""houllos",g 00' ngnr '0 .nl"co" or any olloe' P'ov"'on Ialor Voo wa.e lhe I~Iollo
",,,,,,'m..l, demand, prOl"'. " noire. 01 dlshonol any appIlcabl. 'talul. 01 I,mltal,,"s, and an, '>gI,' you may"". 10 'cqu"e US 10 p'oceed aga''''' anyone ""."... fil. 'u" agar'" \'OU
Applicabl. Law; Sevellblll1y: Asslgnm.nt No ma".,.hor. YOII I.., "" AI,..men'and your AceOllnl are !/OV"ncd by ,....., law and by New Hempsh".1aw Th" Ag'eem..'" a ~na'
"''''''''"n ',Ih. ag,eem.nl between you and", and may nol be COn"added by "odenc. olany alleged ".1 ag,eem,n' "any p'OV~I"n of "" AQreem.nl ~ h~d '0 be "".," 01 unenf"ceabIe,
you and w...1I consode, "., P'OV.lon moclfied 10 ","101m 10 applreabl. low, and th.,,,, oil.. P'OV1"on, '" 'h. Ag,eem"".,1I ,loll be .n""c.abIe. AI any hm. .n".. de'e/mlllO.. good farlh
fhal any proposed 0' .naclod leg.lallOn, 'egulalory ae'ion, Of lude~1 doc"lOn has ''''de'ed" may '.nde, any mar.nal PlOV"lOns olth" Ag,eem.nl Invalod" un",,,,.eable, or lmpos. any
,ne/"'''' lax, 'cporiJng 'cqu".m.n'. "orne' bu,den.. con..."on Wlm any such "revISIOn or lis .n'o".m.n' .. may, an., al l.a5l30 days nol.. 10 you, or.llhoul nOl.. ,fpoonlllodby law,
c:anceJ!he Card and your Credit prMJeges. We may transfer Of assign our fight to all or some of your payments II stale law requrres that you receIVe notice of such an evenllo protect the
purchaser or assignee, we may gIVe you such nollee by filing a financing slatement WIth !he slate's Secretary 01 Stale
NoU.". 0"",, nolrc.. 10 you s'all be .ffeeIN. .Ioen depos,led;n lhe marl add'''Sed '0 ,O<J a' ""' addr.., 'flown on ou, 'ecords unics, a longer nolree oellod IS 'pecr~ed ,n I.. Ag/eem..l"
by law, whre. oenod ,.all ,tart ~n malhng Noire. 10 us shall be m.lled 10 00' addr.., fOI c""om., ,elVe. on '00' 5I",m"'I(", orner _..s.... may ,peclM and 'hall be .ffeel...hen
we recetVe II.
YOUR SILLlNG RIGHTS - KEEP THIS NOTICE FOR FUTURE USE. ThIS norre. conlarns Importanl ,n'ormallon _, yoo, lights and our/.sponsD"II" under". Fill' C'odl Illllng Acl
Notify U, In COS. 01 ETTOrs or QUQUon, About Your 81f/, rlyO<J "Ink you, b,1I IS .,ong, ",I you need mOl. "'orm"~n _I any l,ansaellOn on yoo' ~II, Wille us, on a separal. s.eel," O<J'
ad:iess for customer servICe listed on your bill Wnle to us as soon as posSible We musl hear !rom you no laler lhan 60 days after we sent you the firsl bill on which lhe error or prOOlem
appeared. You can lelephone us, bUl cbng so will nol preserve your nghts In your leller, gIVe us Ihe follOWing mformatlOn, .. Your name and Account number, .. The doUar amounl of lhe
suspected error. - Describe the error and explain, If you can why you belIeVe lhere IS an error If you need mote mformahon, deSCtlbe the Item you are not sure about
Your Rights end Our Responslblf/Ues An.r W. Rocdv. Your WriUen NoU.., We m"" acknowkldg. yool r.".,."h" 30 days, unles, w. 'av, collecled lhe "lOr by m.n. Wllh" 90 days,
we must e1thercorreclthe error or explaIn why we believe the bill was correct. After we rec8lVe your leller, we cannollry 10 collecl at'rf amount you questIOn, or teportyou as delinquent. Wecan
conllnue 10 biD you for lhe amounl you question, Including finance charges, and wecan apply any unpaid amount agamst your credll line You do not have 10 pay any queslJoned amounl while we
are invesbgahr;g, bul you are sflll oollgaled 10 pay lhe parts of your bill thai are nolm quesbon
If.. find Ihal.. made a mlSlak. on YOll. bill, Y"u .111 nol hauc '0 pay any final1CO c"'g. ,er.'ed 10 any _'''''ed amO<Jnl II.. drdn'l make a molak., you m.y "". 10 pay financ. c.arg",
and you wll' ""0 10 make up Ihe mISsed ""ym.nls on m. q'''lroned amO<Jnl In 01".' case, w. .111 s.nd yoo. stal,menl 01 I.. amoun' YOll ow, and m. <lille 'ha' II . du.. If yoo fall 10 pay !he
amount we think you owe, we may report you as detrnquenl However, If our explanahon does not satlslY you and you wnle 10 us Within 10 days lelling us 1hat you 51111 refuse to pay, we mustlell
anyone we report you 10 lhat you queslJon your bill And. we mustlell you lhe name of anyone we reported you to We mustlell anyone we report you 10 Ihallhe mailer has been sellled between
US when" finally is. If we don'l follow these rules, we can't co/leclthe firsl 550 of 1hequesllooed amounl, even I'your bill was correct
Spechl Rule for Credit ClUd PurchlUe3. If you have a problem WIth the quallly of the properly or servIces 1hal you purchased WIth our credIt card and you have tfled In good faith 10 correcllhe
prctllem with Ihe merChanl, you may nol have to pay 1he remalOmg amount due on the goods or selVlces. There are two hmllallons 0:1 thrs tight: (a) you musl have made Ih.e purchase In yQur
home Stal., ",f nol w,IIorn your .ome sial., WIthin 100 m,l.. 0' your currenl marrrng a"""s, and (b) th. "ure..., ""C. must ""0 te.n mOl. lhan SlO T'..e "mllatlons 00 nol apply I'" own
Of q>erate the merchant, or I' we matled you Ihe advenlsement for Ihe property or se/Vlces
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
PROVIDIAN NATIONAL BANK
NO, 1990-1956
IN CIVIL ACTION
-..- PI.inliD{I)
JEFFREY W. CAREY
Defend.nl(.)
JeH'rey W, Carey
33 Cleversbarg Road
Shlppensbarg, PA 17257
DateoCNotice: ilIff,! 2~ /!Jtj1
,
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED
OF YOU IN THIS CASE, UNLESS YOU ACT WITHIN TEN DAYS FROM TH:e DATE
OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT
A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT
RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE, IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ON~ GO TO OR TELEPHOllo"E THE
FOLLOWING OFFICE TO FIND OUT WHERE YOU vAN GET LEGAL HELP,
Cumberland County Bar Association
2 Libert~ Avenue
, Carlisle, PA 17013
Telephone (717) 249-3166
TolI Cree: 1-800-990-9108
APPLE AND APPLE, P.C.
By: <:3J::?~
Ja~:-;'~~Sq.
Attorneys Cor Plaintift'(s)
4650 Baum Boulevard
Pittsburgh, PA 15213-1237
Telephone (412) 682-1466
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DANIELLE LYNN NARKIN,
Plaintiff
IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
THOMAS ANDREW BEERS,
Defendant
: NO. 99-1954 CIVIL ACTION . LAW
: IN CUSTODY
CUSTODY STIPULATION
AND NOW, this 1;).-1" day of / ;z,;? c /.,
, 2003, Danielle l. Narkin,
Plaintiff (hereinafter referred to as "Mother"), together with her attorney. Sandra l. Meilton. and
Thomas A. Beers, Defendant (hereinafter referred to as "Father"), together with his attorney,
Timothy J. Colgan, hereby inform your Honorable Court that they have amicably resolved to
their mutual satisfaction the iSSUes of custody and visitation regarding their child, Gabrielle M.
Beers, born September 3. 1997, and do hereby stipulate that the following is the substance of
their agreement respectfully requesting that your Honorable Court issue an appropriate Order of
custody and visitation In accordance with their agreement and stipulation.
The parties stipulate as follows:
1. The Order entered by this Honorable Court on July 9. 2001, shall be modified by
adding the following language:
a. Gabrielle shall attend school In the Derry Township School District.
b, Physical custody of Gabrielle shall be shared as follows:
i. Gabby shall spend Monday and Tuesday with her Father and Wednesday
and Thursday with her Mother. Friday, Saturday and Sunday are to be
alternated.
ii. When school is in session, the following parameters shall apply:
. Following weekends that Gabrielle spends with her Mother, Father Is to
piCk up Gabrielle after school on Mondays and provide transportation to
and from school on Tuesday and to school on Wednesday morning. After
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IN Tilt; COUIlT Ot' COMMON PLEAS OF CUMllt;IU,AND COUNTY
PENNSYLVANIA
PROVIDIAN NATIONAl, BANI<
NO. 1000-1050
IN CIVIL ACTION
.,-.,. I'I";III;U(.,)
JEFFREY W, CAREY
I),fr IlIlrml(.')
ASSIGNMENT OF JUDGMENT
I'llOVlDlAN NATIONAL BANK, of Louisville, Kentucky, I,,>rein referred to as
Assignor, in exchange for valuable collsideratioll, receipt \l'1",reof is hereby acknowledged,
sells, assigns, transfers, and sets over to CHASE BANKCAIW SEltVICES, INC., of :1700
Wiscrnan Boulevard, San Antouio, Texas, it SllcreSSOI'S, administrators, and assigns, herein
rcCerred to as Assigllee, to its 01' their 0\1'11 propel' use alld helldit, All Assignor's right, title,
and interest ill and to any and all sum or SUIllS of money now due or to become due on
attached .Judgn",nt, or the sales services, loans, or whatever transactions lIlay be the basis
of the account.
Assigllor gives to Assignee, it SlIccessors, administrators, and assigns, the full
power and authority, for Assigncc's own use alld belldit, but at assignee's own cost, to ask
demand, collect, I'eeeive, eOlllpouIld, alld give acquittance for the same, 01' any part thereof,
and ill Assignor's lIallle or otherwise, to prosecute and withdraw any sllits or proceedings at
law or equity therefor.
Dated:
JUN 0 2 2003
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"I:l6:;:O:n:>;r:i(1)) l.1y commission expires Dee, 18, 20
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