HomeMy WebLinkAbout99-01956
COMPLAINT
1. Plaintiff is a National Banking Association located in Tilton, New Hampshire.
As of January 1, 1998, Providian National Bank WllS mergcd into First Deposit National
Bank, and the resulting entity took the name "Providian National Bank." The account that
is the subject of this lawsuit may have been either a First Deposit National Bank account or
a Providian National Bank account prior to the merger, but is now an account of the "new"
Providian National Bank, which is the plaintiff herein.
2, Defendant is an individual whose address is 27 W. Main Street, Newville,
Cumberland County, P A 17241.
3. At a specific instance, the Defendant applied for and was granted credit by
the Plaintiff at the terms and conditions agreed upon by the parties, as is more specifically
shown by the Account Application and Agreement, true and correct copies of which are
attached hereto, marked Exhibit U A" and made a part hereof.
4. Defendant made purchases and/or received cash advances using said credit.
5. Plaintiff avers that the terms of the Agreement provide for acceleration of the
entire balance due and owing upon Defendant's breach of the Agreement,
6, Thereafter, in breach of obligations under the Agreement, the Defendant failed
to make payments as they became due.
7. Plaintiff avers that the balance due amounts to $5,553,96.
8, Plaintiff avers that interest has accrued at the rate of 21.90% per annum on
the balance due from December 18, 1998,
9, Per the terms of the agreement, the Defendant has agreed to pay to the
Plaintiff as liquidated damages, the costs of collection, including all reasonable attorneys'
fees incurred in the collection of monies owing.
L,l r:J- n ?/fdf r:;ogo S/)71
'J
f YJ(-j;,1f
1~1~PRovIDIAN
";ndnl"dJ
'.. '.. - . . . . '. '. . . . " '.
\,"', If" It~: It It Ii'" ",; \," It" It' It", Ii' '. ~, It " ~ ~ It It' It'
P'OVd,11'1 14.1tlOt\4l11dN\ VlSAIl or ""....C.rctlAcCOUf'lI
Ar.ccwl AI1~t'nl 'Of Jl'T1my \4 ~
Plea;;. r(Ht(M!~ OOCl1!lenl M'(j ~~.I w '" yOUf '):h~ fTlD<)rl.lnIOdPP.f:O TIl., AC(OI"I! Aqr~cnl conl.1.r'11 !M '~ms ....l1eh lJOoIt'ln Y!)Ylliwldan Na'lQnaI ~ \I'SA Of YlllS~tlldAccol.1lI
(lrle "AccoumO) '''Ie AccOU'l' ailow<J you 10 male Wcha:~ by \t.:II"'o'J your v:s,\ .:1 Y.I""~(;N'a cald {Iho 'C,lrln w"le'ever II IS tlOllOl'OO aMIo gel ';1<;'1'1 ~ilnt~ 'fern IJ5 Of anv ot/'lef pa,!ICINIIng
fI.~f lIlSllfullOn and from Aulomaled r l.\IIor Vac.tllr~ COf'IIen encl! CheckS l1ily iI)~O 00 prfNlded 10 )01.. .l!. )I'l ~llOr31 ...ay 10 ~o ItIo Accounl 'n .~~ A9'~1 'you' and 'YOt/' mean
elldl DefSOI'llor whom we hlrve ~ a t'.Iool :3/(' ACCOlml 'We' 'OUI . 'OUI'S . ,JflIj 'In' mea., PJO'IIlJ&" Nahonal Bank 01' Its a!:;'9~ 3'S Irs!l'lJ on VOO' bdllflO ,'.element The Accounl may be
lISed on'f for pr!sonal fam!tf. rlllI.nehold .1nd C~lll.1PJo ~urpo!;e.. and rlOl '01' ary MIM:S Of COmmeft3' ~rw-;e Ary.r.c ollh~ Account s/'la" eomlilJ!tt ACc~laoce o'!hf Iei'm:; of,hIs
A9'eernenl V'ouandwlaQ1oocnlol'<lW'l
Piymtntt. YOl,I Wlil 'KeI\Ie 11 ,.,cnlh~ sL1lemerl ~hOVtlnQ yOlol out~~ilnonq b.ltantt' f>"YrT'I'nt ilfl 1r>1:> Acr.(iun~ IOj 1t'Q./IIl'O ,n U 5 r..Ual~ ICtltlCk'J mu:>1 be P3yit~6 31 II US olflCO of IhO bank the
cnt'Ck" (jIMn ont tOl' .]tlell~l ~". Pity'TIt!n1 due as 'lr1own ,:)0 yOUf slalt!ment by tho p"ymf!nt flUt.' COIu In .)C(,(J'IS,l"C(' .....IIt' P-J)'menl In..trutl.on~ un ~...Jr 'Tl()f\tn~ ~ta'cmcnl CJfflon.enco ,neckS
and ollle, chel;:k, we "5UO 10 you mny nol bet lnf!d to 'T1dke Pdymenl~ cn '{vur AccOIJnl Of 10 make payments c)r\,,"Y ctno'f oVro'Jnt y011 hdYl.' ,,,,Ih tr.I f'f ')lJf 1I1f'~!~ Tt'o PJ',ITlOl'l1 cue w:ll bo 2%
vi llltt f'I&W bald''Ce "1OW1': on yOOf ,btefTlenl (ot 2}',\ It 'In Annual IJcrccntaqe Rail' :lJ(lhod II) YOljlAtco~.,t ,-s hg"et Ihan;?l ~l P'U"J It>e amool'l ')1 a...y p.ul Wet OIlyml"" plus the amounl by
WhICh Itle r.N talar'ICO exceeds yOUf c~cdI1 line Hl1*lNef Ir'e payt"ll!nl dJC ....,': nol btI "'O'j'; than $t5 (unle';~ ',oul 'cw (lalance" I~s lnan 5t5 '11 ..hell e"'1 It,t! Oltymenl due *111 tilt lhe amounl
oftl'le new baIanco) Ifyout At:cou:'ll" pasl due Of atJOve ~he crool tlfle we rray r~lf" /I tlIqhcr mlnlmulfl paymenl oul we Will noll'Y yOU oclore <bng:;o II 'f1).of paymenll!l mOl! lhan lhe
paymenl U, II w~1 be Ir!81ed IS a stngle paymenl and none 0111 wI1 be appIlOO 10 Mille payonenls liJe We may aC::COl1ale 01 oarllal paymenh Of payments marl{ed "pad In full" 01 marked Wllh
olhel reslrlCllOn!I WIthout ro,Lng our r911110 COlIocI aU am~fll'i OWll'l9 \.I11dcf Ih;s AgrMTlenl
Ctedlt RmlW: Speclll Requlremeirt. In OIdct 10 keep '{CUf Acco>)nl In good slananq yoo dgfOO nollo sIIjn:llCan!ly If'lClea~e Ihe 'lmOUnl of your lolal detl on unsec:urea fe\tOlVmg accounts We
WIU levtew your ACCOUnl and crelil prohle regularly 10 evaluale lhe amounl yeu owe rolal....e 10 the amOU~1 0'10ur 1hen cuneot Income (We COO'i1OOf an rnclClSe Ifl dOOl 01 more than. $2,000 10 be
s.gllffcanl. unles, you have suffK:tefl1 'ncome) If we delefmlr.e lhal youl Accounl IS nolln gooa ~IJndlng yQoJf ANNUAL PERCENTAGE RATES (APR) fOl pufCI'Ias~ c~tom cash and cash
ac\Iances may be Increased
fJmnc. ctutgtt. Exupl as descrbed In lhe Gra'ff P.rlod far Purr:hlSfS scellon of tnrs Agreemenf finance c/1arges tcgln to accrue on a deOll when Ilrs InckoOOd Ifl one of your dally balances
andconlmue unllllhal balance is reduced by a paymenl or Clool Vour Accounl has Ituce balances lhe ~~has~JJ~.!iLrg:, which conVJts 01 purchases ycu ma~e "'It~ your Card and fees fOf
certain Cflhonc" ServICC!I, the Cuslorn Cash Al2ti!t\Cff Balanc~, whICh conslsls of balanc~ lhal you Iransfef to your Accounl USing balaf'ICe Ilan,lef checks aud baJar'lces lhal we Iran,fer fot you,
and lhe Cash AMnc~nct wrllcn cons~ts of al other cash adVances Arry payment amoont we recel\le lhal elCCeeds Ine fmanee cnarges and fees !he, C...& W1~ ordlnaflly be awied flrsllo
1M BalanceWltn!tle iOw----eifAnnual Percenlage Rate (APR), unlllthat BaI.Jnce IS zefO, and Ihen 10 the Balance WIth lhe netllowest APR. unllllhatBalaoce IS zero arldlhen to any remau'IIng
8a:al'lCe We reserve !he rlQhl :0 apply payments d1fferenUy Wllhout funher notICe The Purcnase Cuslorr Casn Act/ance and Cash A~ance Balances are 'eri.ced by paymenls as of the dale
reclllVed, and by Cledls (excepl for reversals ollale over.hmlt and mlsce'lar.eoos cha,l}C';i) a, of Ihe dale posle.1 Purchases ale Includcdm your Purcnasc Babnce 3~ of !he dale made ClJ'ilom
cash lI<Nances afe Included In your Custom Cash A<tvance Balance as tollows IUflO5 etcctfonlcally lfansmllled to ether lenders 10 Ilansfe' balances, as of lhe dalo transmItted. cl'Iecks 10 ltansfer
balances as of lhe dale presenled 10 us Olher cash a<t.rances are I~cluded rn yOUl Cash A~ance Balance as 'ollows cash al1lances from Othef fmancllllmsllMoos and through Automaled
Tellers, as of the dale made, casn 80Iance checks made oayable 10 you IMI ale ldenllfled as ca-shler's Checks and maIled 10 you al your reqJeSt, as of seven days afler the date we pnnl on the
check, aU olher checks, as ollhedale pfesenled to us Olhef debits (except lor lalo, ovef.lImll, finance, and mlsce1lanecus charges) are IncllJl'.led m YOUf PUlchase, Custom Cash AMnce, or
Cash AcMlnce Balance as 01 the dale posled FInance chafges are added 10 YOUf PurchasE, Cuslom CaSh M"ancc and CaSh A<NaflCe Balances each day ard are lhen posled on the lasl day of
the bl1hng cycle Thele IS no grace pellod tor cuslom caSh advances or Olher casn advances
To figure the daily (lI,ance charge for each type of Balance, we slart wllh your p,evlOUS day's Balance, acXl all deb.ts and subtracl all Cledlts rOf Ihe cUffenl cby and mulbply the nel amounl by the
~lCab/e dally pel/odic rale (see following paragraphs) The finance Charge 'or each typo of Balance IS lhen aOOed 10 and InchJded In Ihal day's Balance We Ifeal a credll balallCe fIX any dtr( as
zero We determine lhe lolal ~nance charges on balances for Ihe blllrng cycle by a~ng logelher Ihe flnar.ce charges for each type 01 Balance fer each day wl!tlln the btlllng cycle In calculatmg
lirlance charges, an ac!I~lment Wilt be made for any ltansachon or oaymenlthat would ha'/e affecled tile finance charge calculallon In a pllOr billing cycle had It been posted In l~al cycle The
apphcable dairy petlOdlc rale fot sueT! a Iransactron Will be the rale In effecl for lhe ccrrenl billing cycle ralher lhan lhe rale in effecl 00 the dale ollhe IransactlOn
Your slalemenllOcrudes an average dally balance for each lype of Ba~nce You can mulllply f'ach average dally balance thai IS not zero by lhe number of days In lnebllling cycle and lhe perIOdic
ra!e to cblaln slblotals, and then add the sublotals logether 10 delerrmne YOUf lotal finance Charges on balances for Ihe bIlling cycle If a cash adriance lfansacoon fee IS charged, Ihal amounlls
also a finance charge
The ANNUAL PERCEH'TAGE RATE IAPR) fOl pUlChases IS 2t 9%, COHespondlng 10 a dally pellodlC fate of 0 O6lXJOOAt
The ANNUAL PERCENTAGE RATE fot custom cash advances IS 21 9%, COIrespoodmg 10 a dc:uly pefiodlc rate of 0 06000%
The ANNUAL PERCENTAGE RATE for cash ad'..rances IS 21 goAt, correspondrng to a dally perIodiC tate of 0 060C()04
JfyOlJ do not comply wllh lhe terms of IhfS Agreement your ANNUAL PERCENTAGE RATE for purchases Will be 23 9%, corTe!:pondlOg 10 a dally penodic ra!e of 0 06548%, and Ihe APR fOf cash
iOJances and custom cash aa..rances Will be 23 9%, conespondmg to a dally pened:c rale of 0 06548% YOUI Accounl may be ehglble for lhe lower regular APRs aner you have met Ihe lefms of
IhlS Agreemenl for three monlhs If you contacl us we Will review ycur Accounllo delermlne your ehglbihly for Ihe lower APRs
Grace Period for Purchases. New purchases posled to your Accounlln bIlling cycles wllh no previous balance, Ot when lhe p,evlOus balance was fully paid dUflng lhe cycle, 00 not begIn 10 rncur
a finance charge unlll lhe slart ollhe nexl bIlling cycle You Will pay no finance cr.arge on such new purcnase!: If you pay the IOlal new balance In full by Ihe payment due dale shown on your
slatement New purchases posled In any olher billing cycle incur a finance charge, and there IS no penod In which s'Jch purchases may be repaid wllholJllncurnng a finance charge
Fees, We WIll charge your Accounl up 10 529 for each Card you ask us to reDlace, each returned paymenl check, each check you write on your Accounl thaI we return unpaId, each stop paymenl
otder or renewal of such an order, each bIlling cycle Within which your Accounlls dehnquenl (laic charge), arJd each bllhng cycle wllhm which your balance eXCeM your credll line, even If your
Accounlls closed, ffyou request copies of billing slalements thai were first senllo you more than lhree months earher, we may charge a handling fee ofS2lor each such ccpy, A cash oo.rance
fee of 3% (mlOlmum SS) may be charged fat each cash advance Iransactlon made on your Accounl
Default You Will be in default If any Information you proVided us proves to be Incomplele or untrue, If you 00 nol cemplywllh any pari 01 this Agreemenl, upon your dealh, bankruptcy, or
Insolvency, If you do nol pay other debts when due, If a bankfllplcy pellllon IS filed by or agamsl you, or If we believe III good fall'llhat you may nol pay or perform your obhgatlons under thIS
Agreement If you are In default we may, wllhout further demand or nellce, cancel your credll prIVileges, declare your Accounl balance ImmediatelY dt;e and paywe, a~d use any remedy we may
have, In lhe evenl of your defaull, the oulslandlOg balance on your Account shalt conllnue to accrue Inlerest allhe APR(s) disclosed In Ihe Finance Charges secllon of Ihls Agreement, even If
we have filed sUlllo collecllhe amount you CINe
Ctedlt Line, Your credithne is specified from time 10 lime In a separate nollce We may Ir.creaseor decrease your cred.l hne based on Informallon we obtained from you or your Cletllt recofds
Your available credllls normally Ihe difference between your credltllne and lour Accounl balance (Including IransacllOns made or authOrized but not yet posted) If you send us a large payment
check, 'tIe may hmll your avallabfe credit while we confirm Ihal the check WI I clear For cenaln Itaosacllons available credit may be less You wlll not use YOUf Account for, and we may fefuse 10
honor, any transacllon which would cause you 10 exceed your available credl
Promise 10 Pay. You promise 10 pay us when due all amounls borrowed when you or someone else use your Accounl (even If Ihe amount charged exceeos your permiSSion), all other
lransaclions and charges 10 your Account, and collection costs we Incur Including, but not limited 10, reasonable a!lomey's fees and courl cosls (If you win Ihe SUit, we Will pay your leasonable
attorney's fees and court cosls)
Chinges. After we provide you any nollce required by law, we may change any part of lhls Agreement and add or remove requ'femenls If a change IS made to the Rnance Chargn secllon of
thiS Agreement, lhe new finance charge calculallon Will apply to your enllle Accounl batance from the effective dale of the cnange Changes Will aoply 10 balances lha! IOcluae Ilems oosled 10 ~
Accounl before lhe date of the channe, and wJ!1 apply whether or nol you conlmue 10 use the Accounl
Foreign Exchange/Currency Conversion. If you use your Card for lransacltons m a currency olher than U S dollars, lhe Iransacllons will be convelled 10 U S OOIlars, genefally usmg ellher a (i)
governmenl.manooled fate or (II) whelesale markel rale in effect the day before the transacllon processing date, Increased rty fllle percent (5%) II a credit IS sLtlsOQuently gIVen for a transacllOll, II
Will be decreased by Ihe same percentage If Ihe ctedll has a dlfferenl processing dale, Ihen the exchange rale of the cledll can be grealerness lhan lhat of the orlgmal Iransactlon The currency
conversion rate on the day before the Iransactlon processing dale may differ from the rate In effecl atlhe lime of the transacllon or on lhe dale lhe ltansactlon IS posted on your Accounl You
agree 10 accepllhe converted amount In U S, dollars
The Card; Cancellation. You may cancel your credil priVileges al any lime by nohfymg us In wfllrng and deslroymg lhe Cald(s) Upon Ihe Card explrallon at the end of the monlh shown on II, we
teseNe the flghl nollo renew the Card We may cancellhe Card and your crOOI prIVileges at any lime a~er 30 days nolice 10 you, or wllhoul nollce If pcrmllled by law If your Card IS cancelled Ot
not renewed, finance charges and olher fees Will continue to be assessed, payments Will conllnue 10 be due. and all other applicable prOVISions of thiS Agreemenl Will remam In effecl If you
termmale your credd prIVileges, 0' If we cancel or do not renew ~he Card. you may no longe- wnle check!, on your Account, and you shoutd deslroy any unused checks we have Issued to you
Personal Information; Documents, You Will provide us al feasl to days nollce II you change your name home or malhng addre5s, telephone numbers, employment or Income Upon our
rcauesl, you will prOVide us additional fmanclallnformaliOn We reserve the light to obtain Information from olhers, IOCludlllg credl reportmg agcr.c:es, and 10 provide youl address and mformallon
I.~h I
about ycu A('.(:(Ulf 10 OlNlrl 'tt'.!flJy.lI~g 1!J4Ir !11\Jf['l'l1I.1ClVrt~Q",U"1l,J'n ~t""('Vq\i~1I.~~ .,.f1tC' 'Q n.'l'~ ~.r'jlJIKL~.In.!X'1JO..l~IH!,OO'llntorfl'\lIhor' "ll1tL'JIil """tn tf va,
OOnol ruthl your OOIgIbons l19V 1M Al1H1'1ttrl1 . nea.1IIt. CJ(J()! l~lOfll""" "''''V ,..~ . "',)":"" :-M~ "T!J'I tX! :l.t:m.tto.J:c ltl8 ':'lol<~II<1JutI''!llIIJlIrC.-s '
C~'om" Itrrict; UNuthort,td U.., L.", or fMft of Chtcu or tlM ~rd I ,jjh :41<.1 ;11,,;1 tAl \~,'..~J ,)(' ft'(fO(ll tw "fit IMp'lns(>l(IIOI safeqll<1fdnQ lhe! C.IId JUUl PltrSOI'IoII k)wlllftcalon
NllmtJer {"P'N' *~,. PfOWrJll1.t\:(l'\\ ~() Aljll)l'/l"'fKIl.,,..., V.v'llfMt'llllllll ,Wv (t"", -, ".,UfIlJ IUVIAl 'rOfn lI\('ff """.Jk~ y(JtJ' ~"N ~"""III~"om vour C4l'~ If~ dscover or \U\PfICI fP1Il
yo.JJ Card. PIN Of any ~"t.,,;.J(t1ot/lU :1'.10\;1 ')I ~1()Ift'" '" "loll ".'11 rrJdy 1_' ,tn "^,,.I~"'Jft/"""l\IY.iI(lon 00 VOUf AC(.()uI'lI tou *'''t.tOfTlprlV "OIlfyll5 by car"'O 1-..n.7221 So.. C4ln
mmedal,.,acl to WnrllotSM and dJoIty 'f04J lIrlllpl'~ ,'; ~ 11fMI" VOl' "'iJ'{ <11';0 ""~"Ji ~1.n lIrn,1'IIJ ",jl1kIl:.Illl'V '01 Vf'.-lultKAllod:ne 'lCClJ/fJrqtlf1ore V'Xl no"'y In ~ '.mllfd '<i $~ tf'fOlj
'fQOl'tOf 'Il'eSl./1J)eC1 UfIltu'f1f.1VWloW ,1IVUJf 'vew"' *v may ~V'""",lOlJ VOl,' tl(..SlCll......,.r.lJ':,' .OII~O'w~ """'''ttllfotl'1 III our 1otl"lOCIO"OlI1SlJltVW.tnN CNd II 'fOUl' CartJ" kAla
sloIen, )'00 *. promplN ~~rO'f 311 CNK": '" VWI P~~t'1";lOF' . ') """''''''' ~~I,lf"Ifof ',tOfV!(1!' ,lI"C \KI,llly 'f(),j .1l)IM' lh.1l YU\jr ca'l$ mo!y tie I'lOn.lor8lJor fecotOOd
IItrclulnlRtIIdoM, We.. nclbe \IiIbIe Ila"V '-""\Ml)/ Aull)frall!l.l r~,,'f"/ ~tu"'e 'o'~," IOhctlo:>I'~1 C,)I'JI.. .)(.rfl" your r:toe<;lI., Of falSlorelUfn Itlt! C..tJ IO)'OlJ Wet\all. no r~bIlfy
for gooa; and SffllCe1 pUl'cflr..ed *I:tllhe CoWd Of chro(lI.S elCf'{-1 <IS 'f!tJJ'OO tit 1.1* (St..., ~CA!(:13I MlolO tA.~'* J C;t.'f~a n IJt'f'I(.r,!'J lhalllle h'i:I,laotJ *lth:he Accounlll" ~.OVKll'd by third ~
vendot1 WI.,I nol rt'StJOOS()Ie 101 the l)./al,ty iJVlIIidbUty 01 r~ull1 of ary!')f ~ Mflo'I(.ttS yo.J tt'rJlY.(l 10 U\P
Stop Paym'nI Ordlrl, II Y'W w~h 10 slW ~";(!l11 ,}tl iI crull. '(Ou may ";ft'1Ij IJ1 II ~too r,'ymert wito/ by .,'tl"IQ 10 oJ' a~ ou, addre'!;~ IOf c~lomOI SII'NIUr _sled on yOUf s!tllemont You ceo
make II S~ paymMI ordl'f U'1It1y by r.11l1'll:J thlt nUltt<rlllslf'lj on YO(jl slalf'fflt'fl! V.hlm yOlJ "'d~tl II ~lfll '~lvm""llJl'oor '('Aj musl prtNldtI '/041/ Accoonl numbo! and ~IIIC '"'OImlllon about..
Ct\ecl< IfIe exacl amounl !he dal. on iliff Cht)(k !f~ namlluf lflU rally !o .tIo.)M ,l..:t':. j"liIY;tl.u !tift roame 01 ',.., ~r~orl .tlll 'SlQnOO II olfxjth., cloeclr numbut You WIN b8 iI!ktod 10 conhlm 11'I oral
!Iop peym&nl Ofder Ifl ""I!"'9 'rYO...!J1..1Y ~h1~.ar~ ),QU'QrIl~fwr_1Wf1_'h r.?! ~\:i:~""ll .iJ. ~ ~llV'J w!~!lt'!'!. ~QIlf!'~iJ\1I.:.n 1V]lhJflJW!JJ'\."1.lU..lI!1lJ!...lhtJ,'lulwkt Of If.It have nol !ftClWlkJ.n ~I~"
oo,crotlOO 01 the Ilem $0 thai PBVmool C.," lilt ""n":,,,l rr~ '."f1<!r 'l'1"I! '101 te ~..ccl:,,(! l:too(! :t.4.'Ck NJ~ ~l~J l, ".. l.,.:fl)l~." htd IIlellSon80lC ~IUNty 10 acl Otllhe 01'001 We mey w.lhcI.ll
mkty, OSIBglWd a Wlln<<l s!co paymtfll 0100' SIX monlh1 aMe, lece.p! un~sl ,1'~'1(.'Wea 111 .r~111Q
Slandlrd of CIte. BecaUSI!hls AccounllflVOtves bofr"l credl card a'!d ch<<k Itansactoos .r_~h are OIoc~sed IhrOUlJh \('()8'ale nallOnal '~Iem' belore tho IramacllOnS 8/e consoIdIled by UI
and because not every cfMrlandClII'd \I~ WI' be senl!o us, lIa'lsacflOO' In your Accoun: .,n be prOC~3e<1 rrfl(~lCaHy .'11'1001 our f1OCfI'SSallty IOVlIW'lnq ~Bfy Ilem Our procenlf19lytlem"
call our atlenlon 10 certain Il!ms wtllC,", we ..~Il!xam.ne We ...~ tJxamlllfl a~ !ra'1S8Cl~ wt'en yOIll('Jl(..t 1M! VOlir Card ()t cnecks have been 1os1 Of ,leIon We do nor Il'llend Ofoo.ly 10
e:xamlfle allllems and..e wi not be 'negllgeflllf.e 00 nol 00 so rhls rule "laOI~~ the sland3ftJ 01 Ollinaty C3ft .hlCh we In goOO faith WIll eXUlCI!e In aooumslel'lng)'OOr Account BecIUK
01 our ~mlled revIeW, and because ned~ your cancel1ed checks I'lOf Cald Iran\acllon SlIpS wl,1 tle returned 10 yO'oJ wllh tt-e mOOlhty Slalemenl, you shOuld be calelulloenler ad checks in yw
check r8glsler 01 olherwlSe keep a record ot lhem You should also 'ave VOlA credrl card cash ao.oanco a~ po/chase \I~ vou aaree t2..L~ )'.QUr monlhl\' statements ana,n!1 ~d..I!lll
10 noMv ug Immedlal~ of any unault'OIlzlld Ira"SaCflCm Of eI~
W,Ive, of Cwln RJghll. We may dcI.1y 01 wa,..,e enforcement of any prOY~1OO 01 Ihrs Agree.'T1Cnl wlthoul klslfIQ 0IJ1 nqhl Jo fJnlO/ce ,t Of any a/hot prOVlSlIJ(! laler You .lIIVe the flQhllo
pl'8$en/men/, demand. prolesr, Of' noflCe of d::;nonot any apollcllble slaluitt of flmtlatlOfls and any fllJhl you miff have 10 reQJlre us 10 proceed agamstanyone belOle we file SUtt agaInSt you
AppUcable Lnr. Severability, AIIJgnm.nt No mailer where you Irve, IhlS Agreemenl and you~ Account are governed by federal law and by New Hamp$hll'e taw T~lS AgreemenllS a ~na1
expresSIOn of lhe Igreemefll between you and ~ and may not be contraacled by evdence of a"'l a,HKJed oral agreement If any PlOVISIOfI of IhlS Ag/cemenllS ~Id 10 be ll'lValld or UIWlforctlble,
you and we will consider thalptO\ll$.orl modl~ed I0COf'11orm to aooIlcaole law. and the lesl 01 the plOYlSlOnS In the Ag'eemtnl will sllIl be enforcetble At any lime aftet we delermlne III good !11th
Ihal8rrf pr~ 01 enacled \egJslallOn, regulalOfy actIOn, or ruacsaJ decISIOn has rendered or miff render illlY malenal prOYlSlOfls of Ihls Ag'eemenllnvalld or unenforceable, or Impose lint
I/'lCreased lax, repor1lOQ req,nmenl, or alOOr burden In connecllOn Wllh My such pOVISlOl'l or lis enforcemenl WfJ may atlet at leasl JOdayS nollee 10 you, or Wlthout nollCell petmllled by law,
ClIncef the Card and your Credl prrv.s We may transfer 01' aSSign our 'rgnllo a,1 01 some 01 your payments If !lale law requires Ihal you receIVe nollCe of 'uch an evenlloprolectlhl
purchaser or assignee, we may gIVe yoo siJCh I'IOllCe by filing iJ finaoong stalemenl WIth !he slale's Secretary of Slale
Notkes. Oltl<< nobces foyou shall be effectIVe when deposIted In Ihe mad addres\ed 10 you al the acii~s shown on our records, unless a longef nolICe paned IS speclftedm thIS Agreemenl Of
by law, whICh perIOd 'hall slarll(lOf1 mailing Notice 10 us snail be mailed to our adiess for cuslcnel' seNICe on your slalemtml (or olner acXie'!lses we may Specify) and shall be elfeclrve w~
we receIVe ,I
YOUR BILLING RIGHTS.. KEEP TH~ NOTICE FOR FLlTURE USE. Th:s nolICe conlalns IInPGrlanlll1formahon aboul your ng~1s and our re'!lponslbllilles unQer Ihe Fair Creal &Ihng Act
NotJfyU, In C,u of Errors or QuutJons About Your 8111, If you think yoor bll rs Wrong, or I' you need mOle InfOi'ma!1OO about any transacllOfJ on you, bdl, wrlle us, on a sopatale sheel, It our
ad:iess 'Of customer sCf'l/lCe lISted on your bill Wllte 10 us as soon as possble We must heal from you no laler than 60 days after we senl you Ihe first bill on whICh lhe e/for Of prcdem
appeared You can lelephone us, but doing so Will nol preserve your rlghlS In your Ieller. gIVe us Itle lolJa.Nlng Inlormahon _ Your name and Accounl number _ The OOIlar amoonl of the
suspecled error - Describe lhe effor and explain If you can w~y you beheve there IS an error I''(ou neea more Information, describe the Ilem you are nof sure aboul
Your Rfgha and Our RupofJliblt/t/es All" We Reeelvt Your Written Notice, We musl aCknowled')c your 'ellcr wllhln 30 days, unless we have cor,ecled the error by Ihen Wlltun 9) atrs,
we must ellher correcllhe error or explain wh'twe believe the bill was correcl Atler we rOCeNe YOUf !eller, wecannoltry 10 collect any amounl you queshon, or repotl you as delmquent We can
conllnue to bill you for the amount you quesl:Ol1,II1c1ud:1g finance cha'ge5, andwe can apply any urpalCl amount against your credll line You do 1'101 have 10 pay arrj queshoned amounl While we
ate rnveslrgallng, bul you are sllll OOIlQaled 10 pay Ihe palls of your blllhal are nolln quesllon
If we find lhatwe made a ml5lake on your bill, you will nol haIIe 10 pay any ~nance charge reialedtoany queslloned amounl If we dfdn't make a mlSlake, you may have 10 pay finance chirges.
and you wrll have 10 make up Ihe mISsed paymenls 00 Ihe queslroned amounl In C1lher case, we will send you a slalerr.enl ot Ihe amounl you CHle and Ihe dale Ihallt IS ciJe If you fad to P<Jtf !he
amount we Ihlnk you owe, we may leperl you as delinquent However, If our explanalJon does not satIsfy you and you Wille to us withIn 10 days !elln',Q us lhal you sllll refuse 10 pay, we musllell
anyone we report you 10 thaI you quesllon your bill And, we must lell you lhe name of anyone we repofted you 10 We musl tell anyone we report you to lhal the mailer has been seWed between
us when II final~ IS If we don't follCHI these lilIes, we can't collecllhe flrsl $50 of IIle quesllOned amount even If YOUf brll was correct
Special Rule for Credit Clld PUrchUf:5, If you have a problem wllh Ihe quahfy of Ihe prooerty or servJC:es Ihal you purchased wllh our Cledlt card and you have Itled In good f8llh 10 corfecllhe
problem wllh the merchant, you may nol have 10 pay the remainIng amounl due on the goods or Seflo'lces ThCle are two IImlla/lons on thIS flghl (a) you musl have made lhe pulchase In your
home slate, or If not WithIn your home slale, Within 100 miles of your currenl maIling adtess, and (b) Ihe purchase price musl have been more than $SO These llmllallons do nol awty If we own
or operate Ihe merchanl, or If we mailed yoo Ihe aa.,.crtrsemenl for lhe pr~rly or serviCes
,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA.
PROVIDIAN NATIONAL BANK
NO. 1999.1956
IN CIVIL ACTION
-V,f.
Plaintiff(.)
JIMMY M. MOONEY
PRAECIPE FOR DEFAULT
JUDGMENT
Defendant(.)
CODE-
FILED ON BEHALF OF
PLAINTIFF
COUNSEL OF RECORD
FOR THIS PARTY:
James R. Apple, Esq.
PA I.D. No. 37942
Charles F, Bennett, Esq,
PA I.D. No. 30541
Joel E. Hausman, Esq.
PA I.D, No. 42096
Marylouise Wagner, Esq,
PA I.D. No. 61095
APPLE AND APPLE, P.C,
Firm No. 719
4650 Baum Boulevard
Pittsburgh, PA 15213-1237
Telephone (412) 682-1466
Fax (412) 682-3138
IN TilE COURT OF COMMON PLEAS OF CUMDERLAND COUNTY
PENNSYLVANIA
I'ROVIDIAN NATIONAL DANK
NO. 1000-1956
IN CIVIL ACTION
.... I'I.iol;11(.)
JIMMY M. MOONEY
D,fend../(.)
PRAECIPE FOR DEFAULT JUDGMENT
TO THE PROTHONOTARY:
Kindly cntcr Judgmcnt against thc abovc.namcd Dcfcndant(s) in Dcfault of an Answcr,
In thc amount of $7,342.03, computcd as follows:
Amount namcd in Complaint
$ 5,553,96
Intcrcst from Dcccmbcr 18, 1998
to May 18, 1999 on $5,553,96
136.94
attorney fees
payment
TOTAL
1,851.13
2Jlll.Jlll
$ 7,342.03
Dated:
!'f. 4. '7 ;p I Ifrfl
I
(1m-
I certify that Notice of the intention to enter this Judgment was given pursuant to Pa.
R.C.P.237.1. A copy of said Notice is attached, and was mailed on May 4, 1999 by regular mail,
postage prepaid and, addressed as follows:
Defendant: Jimmy M. Mooncy
27 W. Main Street
Newville, PA 17241
APPLE AND APPLE, P.C.
By:
Attorneys for Plaintiff(s)
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
PROVIDlAN NATIONAL BANK
NO. 11100.10611
IN CIVIL ACTION
.... PI.in/iU(.)
JIMMY M. MOONEY
De/endont(.)
Jimmy M. Mooney
27 W. Main Street
Newville, PA 17241
Date of Notice: \I\\C\..L\ L\ ,ie" q L
\ I . 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 THE: DATE
OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT
A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT
RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONI1 GO TO OR TELEPHONE THE
FOLLOWING OFFICE TO FIND OUT WHERE YOU IJAN GET LEGAL HELP.
Cumberland County Bar Association
2 LibertyAvenue
Carlisle P A 17013
Telephone (717) 249-3166
Toll free: 1-800-990.9108
APPLE AND APPLE, P.C.
~
By:
James R. Apple, Esq.
Attorneys for P1aintiff(s)
4650 Bnum Boulevard
Pittsburgh, PA 15213-1237
Telephone (412) 682-1466
ii: C'J ~
<- tf)
,,- N 8~
u.J~2
( )... :t:
.'.1 ..
1.1_.. (J.. ~~
;~1~~ ...,. ~5
Cl N
....:1 .CfE
-'L ~; "" :'IJ
,- n, ~O
i~ << ~
tl._ ::;)
U 0 U