HomeMy WebLinkAbout99-02142
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COMPJ,AINT
1. Plaintiff is a National Banking ASlOciation located in Tilton, New Hampshire.
As of January 1, 1998, Providian National Bank wu merged into First Deposit National
Bank, and the reeulting entity took the name Providian National Bank." The account that
is the suhject of this lawsuit may have been either a First Depo.it National Bank account or
a Providian National Bank account prior to the merger, hut is now an account of the new"
Providian National Bank, which is the plaintiff herein.
2. Defendant is an individual whose address is 4 Gunpowder Road, Mechanicsburg,
Cumbeland County, PA 17055.
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 Agreement, a true and correct copy of which is attached hereto,
marked Exhibit An 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 $3,824.22.
8. Plaintiff avers that interest has accrued at the rate of 15.90% per annum on
the balance due from December 10,1998.
9. Per the term.~ 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.
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10. Plaintiff avei'll tbat pursuant to Plaintiff's agreement with Plaintiff's attorneys,
Plaintiff's attorneys are to receive attorneys' fees of 33 1/3% of the debt due.
11. Plaintiff believes, and therefore avei'll, that said attorneys' fees rate is just
and rell80nablc compensation for the services rendered by said attorneys.
12. Although repeatedly requested to do so by Plaintiff, Defendant haa willful1y
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failed and refused to pay the amount due Plaintiff or any part thereof.
WHEREFORE, Plaintiff demands Judgment against Defendant in the amount
of $3,824.22 with appropriate additional int~rest, attorneys' fees and costa.
APPLE AND APPLE, P.C.
By: l!l~lr&tt~1e. }f~W.A_
Attorneys for Plaintilf(s)
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,ljo,PRovIDIAN
J,nu"Odl
~ ,,",,,,...lW. Vl;Ail., -.nieAct_
ACeet1U AorHMlIlll1ol ~C RICCIO
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P1eaw ,"'.. tl'rs lXlCl.It!larl I"'ld kefp ,I w'Ih YOYf Olhel .rnpal&nl Po1POt, Th., Accounl AQr('fl'rP.f'l1 con~ tho lerms *r<ttl'l gCJYltI'n yf'MI PrOVrden ~11OnII Ban. VISA Of MaslOlCatd AccGvlI
(!tie .Account') The AC(ounllllcM1: you To matll! puct'.w" or Lo'foIl'1(j ~ VISA l'f \bsttorC",1'1 ~d [11'10 .C.ard'l whcfft\lPl' 01 ~ honort'd MId to 'Jel c;.a,t'lllNancot "om UI 01' rry other PIfllCUt"'9
~ lnIlftl"llOn and fff>m Ar"l?mlled Tellef Mxhlr'~ C.)'lVenofOl'lC8 chec.k:J IT'sy "I-~o Of pr~ 10 yell as '" itOOl.onal 'lilY 10 tnG I~.e Ac~1 In ''''' "Q'MmenI jow. and "yet... 'I'ItIl'I
UChptr101' lot Whol'n we~, ClPflOed a CIed'1 ca'd Accounl OW". -QUI. 'OU's . a'\d .\n. mean f'?oYd.In N.1hoflal Bank 01.110 assl)netrs '" l~ted on your bI!;tlg s14lfrMnl ThtAccount""Y be
UMdO/lty fofpet'scrw fam~ 1'Iousehood, andcnaul.lOle~ andnof rot anvbv'..meuOl comrnet'clillPl.f.'lXn;e Any use of Ihrs Attount~halconsbfr"te lCCepfanteofltltlefms of !his
Aorttmeinl You and .'*Jet IS foIlOw$
PJyIMnb. You wll rICfI\Ie a monthly stalom~1 shown) '(01JI Ot.Itsbndlng ba'4OCe Pa)'fT'onl on lhlS Accounll"; requ~Ctlln U S OOIJars /Cl'\e(:ks m~1 bt payable III U S office of !he bank 1le
Check IS aown on) lor alle'sl!he payment dUe as shown Otl '(Clor sUllemenl by ~ho p.symenl ooe W:e If! ilCCOldarce With payrncolln'Iluchons 00 yfltjr rnoolh~ Slallt'nenl Convet'\lence checks
and Oll'\ot ef'1ecks we ISSue 10 you may nOI be used ~o mak~ paymool~ :)fl you, Account ()I to male PIIY''lonls ()fl arry olher acCounl YOO hiNe w,lh In Of our arl'ohIlcn The PI"(menr l1Je WlII be ~
of Ihct new balll1Ce shown 01'1 your sblemenl (or 12% J an AnnlOiu P8ICenlilgo Ral11 ~ltId 10 you' ~cw..n! 1$ hlfJ~r fllan 21 9%) P1~' the amount 01 i"f paS! 1M peym."". plus the amount by
wf\lcn \he new balance e~c~ yOll' Cteat line HcwlNCI, lr.llPllymenl dvttwln nolbtr Ie,::~ lhan Sl~ f~nies~ yrAJ1!'IP.W b!llarw;e" ~:II'l4~ $15 III wrucnC3~ It\eJ,ldymenldvellnllba the amounl
oIthentN ba/Mlc~, II yovr ActC'Untl1 oosl ~ or above IflttCledllllflf' we may It'QlJIIO a rNqhf..'I m:nllTlum payment, bul we Wlft nollfy YOlJbe/ofedolt'9so lIyOUl Pilyment/S more than Ihc
ptymtntli.le. II will be Ilaalea12 a s'"9le paymenlllnd:'lOne of " WIU btt IJt)Iled 10 Iulure paymenn due We may accept lale (II Pill1aa1 peymenlS Of oaymenls ""fked'paId If'! full. 01 marked Wdh
othef resl,1Cbons WllhoYllo!.lng OUI' IIghl to collectaQ amounl1 OWing ;Jtlder IhlS Aqleement
eMit RMtw: Specilt Requlre""nl In Ofdel' 10 keep yout Accounl In QOOCl Slardlng you agree nollo s>gttJIIC3f1I1y Inctease lhe amounl 01 yOUf lotal debl on urrsectIed revolving lCCounlS We
.. r~1ft )'OUI Account and enllll pl'ofile regularly 10 evaluelle lhe amounl you fNte lelatlVe 10 the amounl ol)'OUr lhen cUtrenllr'lCOme ewe consider an lnCfe3se In debt 01 mote than $2,OOCllo be
S9'IflamI, uNtsS you have suffICient t1'ICome) "we delermlne Ihat your Accounl " nol ., good starong, your ANNUAL PERCENTAGE RATES (APR) fat purchase'!, Mtom cash, and cash
ICt4nces rqy be ItlCtNSed
finance Chatgn. Except a:l described In the Grace Period ror Purthues sec!1Ol'l 01 Ihf$ AlJleemenl, fmance cha,ges begIn 10 actfllCon a debl wilen IllS inCluded '" one ofyoor QJ,1y balances
and CCltIhnue unt~ that balance IS redited by a paymcnt or creDI You, Account has Ihfte balance! the Purcha~e_~(:, whICh consfSls 01 purchases you make wllh you, Cmd and fees tor
certaItl ~bOnai SeMCes, the ~tom Clr.Ih A,;..ance R...lanr,e. which ConSISt, c1 bJJances that yau transitU 10 your Accounl USing balance Ilansfer chockS and balances !hal we lIamlel' for you,
and file !;;as" Ae1ance Bala~ wtllth conslSls of all olhet' cash DanCl}S Any paymenl amoonl Wi> 't'CeNe I"at cxc~ Ihe finance charges and fees !hen die WI~ ordlnanly be ~led 6"110
!he Balance WII the lOWesl lUll Percenlage R.i11e (APRI. unbJ that Balance IS zero, af'ld lhen 10 Ihe Balance With the next lOwest APR, unTIJ that Balance IS Zeto, and lhen to 3ny rem8l1'l1ng
Balance We reserve the IIgr.llo iIClPtv payments d1Herenlly WI!hot.rtlurther !'IOtcs The Purchase, CUSlom Cash Advance, and Cash M\l8I1Ce Balances 81e reduced by payments as 01 the dale
receIVed, and by credits (excepl for leversa/s 0' lale over,limlt and mIScellaneous cha~gesl as of!~ date posled Purchases are Included In your Purchase Balance as 0' !he date made Custom
cash ~flCe'! are It1ClIded an your Cuslom Cas" Alt.'ance Balance as follow5 func:; e!ectlotllcaL'y transmllted 10 other lenders to transfer balances, as of the dale lIansmlHed, checks 10 transfer
belances as 01 the date presenled to lIS Othef cash ac1.<ances are Included In your CaSh Aa.tanca Balance as fOllows cash ac1.<ances flom other MaOClallnSlllullOM alld Il'uough Automaled
T ellen, In of ltle cbto mali:!. cash ad.tance checks made payabht 10 you thai aTe tdetlllfle(j a, c:ashlef's checks and maded 10 you al)'OUr IOQIJesl, as 01 seven days all8f !he date we print on !he
cheek, aU other c:necks, as of the dale presenled to us Other debits (excepl for Ia~e, over-Ilmll, ~narce, a:'ld mIScellaneous charges) are Included In 'fOU' Purchase, Cuslom Cash AcWance, or
Cash Alt.'atICe Balance as of lhe date posted Finance chafges afe ad:jed to your Purchase, Custom CaSh AdvaflCe, and Cash Advance Balanc~ each day and are lhen posted on lhe lasl day of
!he bUng cyde There" no grace perIOd for cuslom cash aMnces or olher cash itlNances
To 6gut'e lhe dally finance cha,ge for each type of Balance, we slall wllh YOu' prOYlOlJs day's Balance, add all deblls and subtract aU credits for the current day and mull~ lhe nel amount by lhe
8flPI1CltlIe dally perlOCic rate (see 'ollowlng paragraphs) The finance charge for each type of Balance IS lhen acijed to and Included In Ihat daYs Balance We !real a creat balance for any day as
zero We determIne the tolal finance charges 00 balances fo, Ihe billing cycle by ading logether the Mance charges for each !ype 01 Balance for each day wllhln the billing cyde In caJculatmg
Mance charges, an ~ustment wdl be made for any transactlOfl or paymenlthal would have affected the finance charge calculation 10 a pllor boiling cycle haellt been posled In that cycle T~e
appIJCable dally pcnodlc 'ale for such a Iransacbon '41111 be lhe r-ile In effect for lhe CUlfen! billing cycle rather than !he 'ale In effect on Ihe dale oll"e ltansa<:tlOll
YOut stalemenllnc!udes an average dady balance for eaen l'(pe 01 Balance You can mulllply each average dally balance fhallS not zero C1f the number of days In the blll,ng cycle and the penodlc
rale to oblaln sLbtolals, and then add lhe subtolals logelher to determIne youllolal finance charGes on balances lor lhe billing cycle If a cash aQ..tance transaction lee IS charged, lhal amount"
also a finance charge
The lerm .Prune Rate' as U!ed 1/1 lheAgreemenl means Ihe highest prime rale publ~hed In the WaJlStreef Joumalon the first busmess day ollhe prevIOUS calendar month Arrt Incfease or
decrease In the AMual Percenlage Rale w~1 lake effect on the first day of you, billing cycle and may resullm a shghtlOcrease or decrease In the amount of your mlntmum payment
You can arrange to have a v3naeJe rate (nol below 5 9%) fOf purchases whlCh!S lower lhan the lowest non-Inlroductory ANNUAL PERCENTAGE RATE (APR) you are payIng on aTrf of your oll1et
credit card or relad accounls ThIS APR IS avaIlable only If you provide proof, In Ihe fOfm of a cOf/( of your most recem bdhng Slalement, shOWing your other non-Introductory APR Your new APR
will take effect lOthe billing cycle follOWing OUr review of your proof, but not eafller lhan the end 01 your Inlroductory period Unlil your new APR lakes effect, or "we do not recOlVe proof of your
lower APR, your APR for pllrchases Will be..5 follows The ANNUAL PERCENTAGE RATE (APR) for pu'chases will vary and may be acl]usled each billing cycle up to 7 65% above Prime Rate,
but will In no event be less lMn 159% Using lhls formula, lhe APR for purchases m the January 1999 blllmg cycle IS 159%, corresponding 10 a dally perlOdlc rale of 0 04356%
You can arrange to have a vanable APR (not below S 9%) (or custom cash aa--ances IhallS lower lhan the average non-mtroductory APR you have been paymg on lhe tolal balances you have
transferred from olher credll carel, relall. and mstallment accounls pl'OVlded your other accounts were open In January 1999 In calculalmg lhls APR we. wdl fake mlo account the APRs on the credit
accoonl baJances you have transferred from olher lenders ThiS APR IS available only If you provIde proof, In the form of Copies of your mool recent bdllOg slalernents, Showing your other
non.lnfroducto/y APRs Your new APR will lake effect!n the billing cycJe foJIO',\'lng our rWlew of your proof, bul not earlier than the end ofyoor InlrociJctory pened If we do not receIVe suchproo'
your APR for custom cash ad.taoces Will be as fonows. The ANNUAL PERCENTAGE RATE for cuslom cash ad.oances IS 21 9%, correspondng 10 a dally penodK: rale of 0.(.'16(;0)%
The ANNUAL PERCENTAGE RATE for cash alt.'ances is 219%, corresponding to a dally periodic rate of 0 06000%
I' you do not comply wllh the terms oflhlS Agreemenlyoul ANNUAL PERCENTAGE RATE fOf purchases Will be lS,S"", coltespondmg to a dal~ periodic rate of 00517S%, and Ihe APR for cash
advances and cuslom cash aOiances will be 23,9%, corresponding to a dally perIOdIc rate of 006548%. Your Accounl may be eligible fOllhe lower regular APRs after you have met the terms of
thIS Agreement for three months, If you conlact us we Will review your Accounllo delermlne YOur eligibility fOr the lower APRs
Gl'Ke Perfod for Purchases, New purchases posted to your Account in billing cycles Wllh no previous balance, or when lhe previOUS balance was fully pard dunng lhe cycle, do not begin to incur
a finance charge unllllhe slart of the next bifhng 'Y,cle. You will pay no finance charge on such new purchases If you pay lhe tolal new balance In fuJI by the payment due date shown on 'lour
stalement. New purchases posled In any other billing cycle Incur a finance charge, and Ihere IS fiO petlod In whIch such purchases may be repaid wllhoullOcurnng a finance charge
Fees, We wilt charge your Accounl up 10 S29 for: each Cald you ask us 10 replace: each returned payment c~eck; each check you wrile on your Accountlhal we lelum unpaid;. each stop payment
order or renewal of such an order; each blllrng cycle wll~m whIch your Accountls delinquent (Iale charge), and each billing cycle wlthm which 'lour balance exceeds your credit line, even If your
Account IS closed, I' 'Iou request copres of bitting stalements lhat were firsl sent 10 you more than Ihree monlhs earlier, we may charge a handllfl9 fee of 52 for each such COf1i. A cash aOlance
fee of 3% (minimum S5) may be charged for each cash alt.'ance Iransactlon made on YOur Account.
Default You WIll be in default' If any informalion you prOVIded us proves 10 be mcomplele Or untrue, If you co not comply With any part of thiS Agreement, upon your death, bankruptcy, or
Insolvency; If you do not pay otherdebls when due; If a bankruplcy pellllOn IS filed by or agalnsl you, or If we beheve In good fallh lhat you may not payor perform your obligahOlls under this
Agreement If you are In default we may, wllhoul furl her demand or nollce, cancel your credit prNlleges, declare YOllr Accounl balance Immedlatety due and payable, and us,e any remed! we m~
have. In the event of your default, the outstandmg balance on YOllr Account shall cOnllnue to accrue mleresl al the APR(s) disclosed In the Finance Charges sechon of thiS Agreement, even If
we have filed suit 10 colJectlhe amount you owe
CredIt LIne. YOUf credit line IS specified from lime to lime m a separale notice We may mcreaseOf deerease youl credil hne based on mfOl'matlon we obtamed from you or your credit records
Your available credit IS normally the difference between your credllline and your Accounl balance (mcludmg lransachons made or authOrized bul nof yel posted) If you send us a large paymenl
cneck, we may limIt your available credll while 'Ne confilm thai the check Will clear For cerlam lransacbons, available credll may be less You ""111 not use your Account for, and we may refuse 10
honor, any transacltOtl whICh wOlllel cause you to exceed yoor available credit
Promise to Pay. You promISe to pay us when due all amounls bonowed when you or someone else use your Account (even If the amounl charQed exceeds your permlSslOfl), all olher
transacllons and charges to your Account. and collection cosls we mcur rncludlng, bul nolllmlled 10, rcasooable allorney's fees and court cosls '(If you wm the SUII, we will pay YOllr reasonabfe
attorney's fees and cour1 costs,)
Changes. After we provide you any nollce reqUired by law, we may change any part of thiS AgreemenT and acid or remove reqUirements If a change is made 10 the Al13nce Charges seclion of
Ihls Agreement the new finance charge calculalion Will apply to your entire Account balance from Ihe effectNe date of Ihe change Changes Will apply to balances lhat Include Items oosled 10:t2!.!!.
Account before the dale of the channe, and Will apply whelher or not you contmue to lIse the Account
Fore~n Exchange/Currency Conversion. Jfyou use your Card for lransacl;ons In a currency olher than U,S dollars. the lransachons Will be convened to US, dollars, generally using eilh~ a (i)
govemmenl'mandaled rate or (il) wholesale market rate In effectlhe day before Ihe transaction processing dale, Increased by five percent (5%) If a credit IS subsequenlly given fOf a transactIOn, II
(Conllflued on reverse) (5846-0698)
4428471275607181
Z561
.. ~ lJICl-.dbv fI'If laIN .....UI". ,f"" o.u t..,. "'''"",,,~l prlX:etV"~ ,L'll. ,,"'" ltw .lr.n~ 'I" 01 ItIf ctf'lil ca" be gtqtefl1e1s llur\ It'lll.;-'''''' 0l'-q1\ll11'anuctol The cvftrq
~O'lIl"M rI'le lJIy~. fw ""'\oK'~"'J"ttMHIQ ,,,It' ""'y "'''''' "Oil'! he '.\fI I(""ftCt.t ItIlt Imlof Il'Ielr.1sacllOn or 00"1 Ihltdalllthe tra~s<<tll)ll" POS:edOl'\~ Account You
agr.. to acr:~ h r.l1J1Wlf1flJ ."',t.,,",, ,1'1 ,J :;, "I...':.
n.. CtN; CtntffIIttcm ..:'!- -r:~. .:.1:'..C: ,.... . ,...;_l ,-........p'..1 "'... . "''' flV r>rH"""\Q y' ,,, ft'1I1l"Q anlllil";lrOyI/".(} 'hoC,tr()'t J Jt.,"~1 It,,, :,Vt] fllrlli'lhon JII~e eod of !t.. ""onlh',~on It..
I~~ ""'hr.' q,:.t 1,\ I~ ,,.O' ':"11 \~(! "".J, ~Jrll, 1'1 flllI C.v,J4Ikl f'~'" !I~"I,(Iy'~I"'\; oI1.,"~ 1ltJ'''M~ ]Oo.'y<;; rIOlr(.1l !()~t)IJ <JI1t!t\()..1 flUhr.v If pelrrlllledbv law Il'fOUl C.ardrs Clnc..eclor
I\lA I~' t'lWlr III I .WI,Jf"1. .'MJ >I~ .~ will ~.,.Y\""tP' Iv t~ ,1,~~""<J ll,'t""""'~ *,~ ',U",n'll' ''? t.>o r)Jlt .lI'h1 "II QIlIOf <'It.(;l.c;.x.''l! pi'C'I~IOl'lS 01 lh" Ag,eementwrl rem..,. on .rlocl' you
""1l'I11\oJ~yw (lflIJ:I'ofl"'l~ Uf...... C.YlCCl Of 00 not 't'flft tt., C.'d vOU rr.JyflO 1f~0I' "'ftlli c."I<<lIs on your Ae:o...nl WyOt. shouldde'Slloy Inyl.ll'lUSeCJChe(k, wthlvt'UiAdlOYOU
PnoMlWonlatlon; OoeuMnlta, YOU WIll flI'O'IIOtUIII IeIlJ 10dlys noclCt "youe~yQIJf' name, horn'at mllilnOllti,S$, letep/'lonet\lMl"lbetS. employfT':enlOf I"ICOmt ~0Uf'
rlqUft' you.. flI'CJtIOl III 1Oli!lCllW ""1"(.1I1 rdorrnlbof'l W. 'notvt tl'4 rqt!11O COIIIflI"lfo'II".lIon from ~hefS, ItlClIJc)ng credll reporting lI9fItICleS. II'Ilf 10 Pl'O>o'Idtyour IlitftS rGll'lformtlO'l
IIto.A 't'O'A' AccolAI to 0Itl<<t W. 7: .r; ,hit, rblfl.lll':lf'\ ~ .l!tIlI1n. tDrm.~ Wfrtt 10 U! lit "~me IMlructll'lCl ~ 00110 !harlt Ctedit ,"'otm8bon WI;' our 1"'.1... It you
dO no! rlAfll ~ ctII9ItIOnII.IftOef fIItIl'Wll . negtlNt rw>>'1 tNt mIY rel\fC1 0I't vw creal .'nay be 'S lIIad 10 the crOli.l rcportlng agenoes
C__'1<"flco; U_ Uoo. ~.rThofl.fClloc" .,lfto Coni. E""C..~m"l t>e''9"'dont""", YOU"'.fe>;lONl>le ro. "'eguarafl9 lhe Cord, 'IOU' Pot~_lIon
~ rPlN". ..nctl prOV!dellCCfts 10 Automaled relet~) IfId Illy Cf'lett;s 'Uued '0 vou 1tO'Tllhen. II'\d keeping yOUI' PIN :epatate from you C4I'd ffyou ~ (;I S~tlhlt
yr;u C.d PIN, ot any Ul'lUHd ched.J ..tlosl OI:lOIen Of lNtlhete mty be an UM~I"lCtlled Irans.cllQn on your Accounl, you WII! p'omplfy nollty us r1y canll1g 1-1OO..m1Z21 So.1 can
IfflmecuttlylCl Ie) IlIThllon.. .nd liD"fy, you will pt'One us even Ihough you m.y al$o I'lcM~ In tl"l .o:lng Your :Jaild.tf fOl UlIaulhonZe<l LnO occumng before you noMy us I) ~m,lecIlO S5() I' ~
leoon Of "SUlPklloNuthoolod uN of YW' Accounr, .t may suspend yow ctedtl pI'''I''"9fl unt~ we 10:01\10 the prctlem 10 OUI Sal,$lacllOO or ISSue you a new tald If your Card IS Iost<<
sloltn, you w41 promplly dtttr(1f au check, In V04M pon'ul()Il r 0 IlYIprOY' GvslOflltf $tfvce 'lld secuuty, 'fOU agree thai yw tal" m"Y b& lflOOIIOled 01' recorded
Mttdwd ItIbtConl, Wi iIrlll hot b. '-bie d Ill")' porson Of AutOtT'tat~ T eIIet MochInt ''''USe1to hQrxlr :he Caro 01' :!ICCepl YOUl checks. orlalls 10 'etwn !he Card 10 YtlU W. hive no I~
fer ~ and llWVlCft PLWChI~ WIth the Card or er.cks 'lCCClPf IS IequHld t, IIw lStt Specc,I Rule DeIow l Cellafl benefils Thai are avaIlable wllh !he Accounl are P'OYIded by ~
vendor1 Wt.em '1tPOtlStb6t for ftIe_~, lY.dlblltt. Of results 01 II"'f01 theSt'MCn YOl.l ~olo use
Slop PlymefttOrdtrl. II you WISh 10 SIClPPI'f"Ienl on I chec.k you ~ Send us. S~paymtnt Otdel by wnhnq 10 us al OUI add'ess tot cuslomer SefVlCellSted onyw statement YOUCltl
mike eslOp ptyrneN order or.." by caIIlng!he nurI'Ibef ltsledO'1 VOlI statemenl Wrw. you mak.. slco Dayment Ofdel', you mUSI PIOYIde yoor Accounl number andspec:d1C rdamabon atlouIltlt
chedl "'tilt! .-noun!, Itwt dI"on the chec_, lht name of Ihe patty to whOm lI....s Qtylttlle. !tie l"IMIe 0' !he person who s'llned tl, and the check number You WI~ beaked 1oC<<l6rm an <<II
sklp Pl'(menl ordIt 1ft wnclt'tg We m.... ctsreaard YOUr ~ OIdlor tf:: do not re I JllJ~ ~Inef1 confirmallon ~tn fWtI weeks afler lhe 0tB1 OI'def, 01 If we have not teceIVed an adequele
dnct~oIltlt 1M soltlltpeymentcanbe Sl~ fle orrJef WI nolDee 'lhe c/'Ieckwas paKlby us ewetlOOa reJsonacle~uOllyloaclon theotdet We mty, Wllhout
lrabbly, ~.d. wrllttn Slop paymenl Ofdet SIX rnor1ths after r~ unless illS ret\f'Wed tn wnlng
Standard of Cut. &a1lS.!h# Account In't'ONts both aeQt ca[(Sand check !tansacbons whtch are PlOC'eS$ed Ihlough $eparale nallonal systems before Ihe IransacllOOS are comolMilled by us,
and because nol fNffy check and Card sto WIll be senllO 111. 1l8n$BtllOlls tn Y04Jl Accounl wtl: be proc,"sed mechanically Wlthoul oor necessanly 'e\llft'Ing fNer; Ilem. Our processr.g system will
call our .IIenllOn 10 e8l1aln lIems whICh we wla ...'mlfle We will elCamtnl aU transacboos when you teportlhat your Cafd 01 ChACk, have been 1os1 ot stolen We do nolmtend oranmy to
examq alltemS, and we wtr nol be neghgenl If we do not do so Thls rule eslaDlr:h&s the standard 01 OI'd1nary car8whlCh we tn good faith WlK exercISe In adrmrustenOQ 'f(JJr Accounl 8ec:ause
ofour mlled revl8W, and because netlher your ~ ctIecks nor C.rd transac:bo'l slos WfiI be rftlumed 10 you wllh the monlhly slalemenl, you should be careful 10 enter ad ehec;ks in yoor
check legsstet Of othenme keep . lecord O'!hem You should also save yovt erecil card ca$h at;hance and purchase sl~, YOI.t aaret! 10 check VOUI' monlhlY !lalemenl! 80AlMI YOUf' rflCOfd 800
to noM... us Imm8dtal~ of anv unlIUthnrlZed tranqcllOnS ot MrOtS
Walvt, of Certaln Rights. W. may de'.ay ot waIVe enforcement 0' any ptovrslQn of thIS Agreement wrlhoullosltlg our nght fo enforce tt 01 any other prOVISion laler You WBfYe !he nghllo
pt'"enlment, demand, plol"l, at notICe of dishooor. Arrf applICable statute of hmltatlQr?S. and any right 'fou may have to fequlre us 10 Ilroceoo against anyone before we file suI! 8galnsl you
Appllcabl.Law: SmrabiUty: AMJgnmenl No maner where you INe. 1M Agreemenl and youl Account are govelnedby federal law and by New Hampshire law. ThiS AgreemenllS' tinaJ
expressl()tl 01 ltle agreernem belWeen you and lIS and may not be contrackled by fNlder.co of any alleged oral agreemenl It any provlSfOO of IhlS AgreemenllS held 10 be ItIvaJId 01 unenforceable,
you 2Wldwe Wlleonslder thai ptOVtSI()tI modlied to conform loawtlCable law, and the resl of the t)l'OVISIOOS In lhe Agreement WIll sltll be enforceable Al any hmeafletwe delermlne In good fallh
that any prOPOSed or enacted IoglS~bon. regulatory action, or JUOCIaI doclSlOO has rendered or may render any malellal provtstons of thIS Agreement invalid or unenforceable, 01' Impose any
messed tax, r~trng teCJJrement, or olherburden 11 connectIOn Wllh any such prOVlSlOtl or II! enforcement. we may, afler at feasl30days noOce to you, or wtlhoul nollee If pcrmtlled by law,
cancef the Cald and your Credit pllVIIeges We may bans'er 01' ass;gn our nghl 10 allot some of your payments, If stale law requites thaI you recerve notice of such an evenllo protecl the
purchaser or usgnce, we may gNe you such nollCe by filIng a finaoong slatement WIth !he state's Secretary 0' State
HodGn. Other notICes to you shalf be effecllVewhen deposrled In the mati actYessed to you at fhe add'ess shown on Ollr records, unless a Iooger nolice period IS, specified In IhlSAgr,aemenl or
by law, .hlCh penod shall slatt upon marltng Nobce 10 us shatt be maded 10 our a.:>>ess lOt' cuslomer setVlCe on your slatement (or olher addresses we may 'SpecIfy) and shall be etfeclNe when
we receIVe II
YOUR BIWHG RIGHTS - KEEP THIS Nonce FOR FUTURE USE. ThIS notice conlaJns Importanl mformalloo about YOllr rights and our responstJillties under the Fair Credit Bl.ing Act
NotJly U.ln Cu. of Em" or Ouadons About Your Bill. Jf you thtnk your bill IS wrong, or tf you need more InformatIOn aboul any IlansactJon on your bdl, wnte us, on a separate $heel. al our
adctess lOr CUStomer Set\llCe hsted on your btll Wnte 10 us as soon as posstble We musl heat (rom you no later than 60 days after we senl you the firsl bill on which Ihe error 01 prob/em
appearec:1. You.G8n lelephone us, bot doing sOWlI] not presefVe your tights, In 'four lellel, gIVe us lhe followmg Informalton' _ Your name and Accounl number _ The. dollar amount of the
Suspecled error - Oesatbe !he error and expfaln, If you can why you beJteVe there IS an error If 'fou need more tnformallon, descnbe lhe Item you are nol suro aboul
Your Rlghta IIId Our RupoMib/llt/u Alter W, Receive Your Written Notice, We must acknowledge 'four leller wilhin 30 days, unless we have corrected lhe erl'O( by then, Wllhltl90 days,
we must8lthercorrectlhe error or explain why we beheve thebdl was correct. Aftel we leceNe your Ieller, we cannotlty 10 colleclany amount you quesllon, Of report you as delinquent. We can
C<<ltlnue to bill you for'!he amQilnl you questIOn, ItIclucing finance charges, and we can awlv any ut;lClrd amount agalnsl your creatlme You d::l not have 10 pa'f any questIOned amounl while we
are lnVesllgahng, bul you are sllB obligated to pay the parts of your blllhal are nol m qJeShOl1
If we find lhal 'fl made a mIStake on)'OUr bilt, VotJ WIU nol have 10 P<1f any finance Charge related 10 any qJeSltoned amollnl If we drdn'l make a mistake, you may hav~ 10 pay finance,charges,
and you WID have 10 make ~!he mISsed payments on the queslloned amount In ellher case, we will send you a statement oflhe amounl you C1Ne and the dale that It IS we, If you fail to pay the
amount we think you (NIe, we may feport you as de!ll'lllJenl. However, tf our exlllanallon d::les nol sallsfy you and you wnle to us wIlhm 10 days telling us that you 51111 refuse to pay, we must leI
anyone we report,You 10 lhal you quesllon your bdl, And. we mustlell you Ihe name or afl',one we reported you 10 We.musllert anyone we report you 10 lhallhe maller has been seWed between
us when If finally IS. If we don" follow lhese rules, wacsn'l collecllht! first $SO of Ihe qllPSlIoned amounl, even If your bill was correcl.
Speelll Rule for CredIt Cn Purr:hau. II YOll havo a problem wllh the quality of Ihe prcperty or services that you purchased With our cr~t card and 'fou have tried in good faith to c.orrect the
problem wllh the merchant, you may nol have .10 pay the remaining amounl due on lhegoods or services. There are two hmttallons on lhls nght' (a) you must have, made the purchase In your
home slate, or if not Wllhin your home state, wllhin 100 miles of your currenl matlmg adaess; and (b)lhe purchase pnce must have been more than $50. These Ilmltallons do not!W1y If we own
01 operate the merchant, or If we marled you the adiertrsement for the property or SetVlC8S
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I IN Tall COURT OJ' COJOlON PLl!UI OJ'
I CUXBIIJlLAllD COUJrrY, PII1QlSYLVUlIA
I
I CASE HO. 99-2142
I
I CIVIL ACTION - LAW
I
PROVIDIAN NATIONAL BANK,
Plaintiff
DIINIIIIN C. RICCIO,
Defendant
ANSWER
AND NOW, comes Defendant, Deneen C. Riccio (hereinafter
referred to as the "Defendant") by and through her counsel, Law
Offices of craig A. Diehl, and responses to Plaintiff's Complaint
as follows:
1. Admitted, upon information and belief.
2. Admitted.
3. Admitted in part and denied in part. It is admitted that
Defendant was granted credit by Plaintiff.
However, all other
averments of this paragraph are hereby specifically denied by
Defendant as the purported Account Agreement attached to the
Complaint as Exhibit "A" and made a part thereof, is a document in
which the terms thereof speak for themselves.
Therefore, no
response is required thereto. If an answer is deemed necessary,
after reasonable investigation, Defendant is without sufficient
knowledge or information as to the truth of the averments in this
paragraph and same are therefore denied and strict proof thereof is
demanded at trial, if relevant.
4. Admitted.
5.
Denied.
The allegations of this paragraph are denied by
Defendant as same state a conclusion of law to which no responsive
pleading is required.
If an answer is deemed necessary, after
reasonable investigation, Defendant is without sufficient knowl.edge
or information as to the truth of the averments in this paragraph
and same are therefore denied and strict proof thereof is demanded
at trial, if relevant. In further answer thereof, the Agreement
referred to therein is a document which speaks for itself and no
response is required thereto.
6. Denied. The allegations of this paragraph are denied by
Defendant as same state a conclusion of law to which no responsive
pleading is required. Therefore, same are hereby denied and strict
proof thereof is demanded at trial, if relevant.
7. Denied. Defendant specifically denies that she owes
Plaintiff a sum totalling $3,824.22. In further answer hereof,
after reasonable investigation, Defendant is without sufficient
knowledge or information to determine the truth of the averments in
this paragraph and therefore, same are denied and strict proof
thereof is demanded at trial, if relevant.
8. Denied. After reasonable investigation, Defendant is
without sufficient knowledge or information to determine the truth
of the averments in this paragraph and therefore, same are denied
and strict proof thereof is demanded at trial, if relevant.
9. Denied. The allegations of this paragraph are denied by
Defendant as same state a conclusion of law to which no responsive
pleading is required. If an answer is deemed necessary, after
reasonable investigation, Defendant is without sufficient knowledge
or information as to the truth of the averments in this paragraph
and same are therefore denied and strict proof thereof is demanded
at trial, if relevant. In further answer thereof, to the extent
that the allegations of this paragraph refer to the Agreement
between the parties, said Agreement is a document which speaks for
itself and no response is required thereto.
10.
Denied.
After reasonable investigation, Defendant is
without sufficient knowledge or information as to the truth of the
averments in this paragraph and same are therefore denied and
strict proof thereof is demanded at trial, if relevant.
11.
Denied.
Defendant denies the allegations of this
paragraph as same constitute conclusions of law as to which no
responsive pleading is required. Therefore, same are denied by
Defendant and strict proof thereof is demanded at the trial in this
matter, if relevant.
12.
Denied.
Defendant specifically denies that she has
willfully failed and refused to pay the amount to Plaintiff upon
repeated requests for same and, therefore, strict proof thereof is
demanded at trial.
WHEREFORE, Defendant, Deneen C. Riccio, requests that this
Honorable Court enter judgment for Defendant and against Plaintiff
and grant such additional relief as this court deems just and
proper.
LAW OFFICES OF CRAIG A. DIEHL
nda A. Clot elter, Es
ttorney I.D. No. 72963
464 Trindle Road
Camp Hill, PA 17011
(717) 763-7613