HomeMy WebLinkAbout99-02659
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
PROVIDIAN NATIONAL BANK
NO. qq - .;2//.50/
IN CIVIL ACTION
~~
-vs- Plaintiff(s)
DINNA MAE SPITZ
Defendant(s)
COMPLAINT
CODE.
FILED ON BEHALF OF
PLAINTIFF
COUNSEL OF RECORD
FOR THIS PARTY:
James R, Apple, Esq.
~A J.D. No. 37942
\ Charles F. Bennett, Esq.
PA J.D. No. 30541
Joel E. Hausman, Esq,
PA J.D. No. 42096
Marylouise Wagner. Esq.
PA LD. No. 61095
APPLE AND APPLE, P.C.
Firm No, 719
4650 Da11ln Boulcl'al'd
Pittsbul'gh. PA 15213.1217
Telcphone (412) G82. J.l({,
Fax (412) 682.3138
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
PROVIDlAN NATIONAL BANK
NO.
IN CIVIL ACTION
-vs- PlainliJJ(s)
DlNNA MAE SPITZ
Defendant(s)
NOTICE TO DEFEND
You have been sued in Court. If you wish to defend against the claims set forth in
the following pages, you must take action within twenty (20) days after this Complaint and
notice are served upon you, by entering a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the claims set forth against
you. You are warned that if you fail to do so, the case may proceed without you and a
judgment may be entered against you by the Court without further notice, for auy money
claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may
lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE.
IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO
TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT
WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
Telephone (71 7) 249-3106
Toll free: 1-800-990-9108
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COMPLAINT
1. Plaintiff is a National Banking Association located in Tilton, New Hampshire.
As of January 1, 1998, Providian National Bank was merged 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 506 N. Bedford Street, Carlisle,
Cumberland County, PA 17013.
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 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 $3,526.41.
8. Plaintiff avers that interest has accrued at the rate of 21.90% per annum on
the balance due from January 7,1999.
9. Per the terms of the agreement, the Defcndant has agrced to pay to thc
Plaintiff as liquidated damages, the costs of collection, including all reasonable attorneys'
fees incurred in the collection of monies owing.
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~l~~PROVIDIAN
- FlIlll1lClU/
CAPITAL CASH'
Account Agreomenl lor Donna MaD Spill
four Capital CIsh .accounlllho MAceoun!'') is a reusable personal loan thai allows you 10 access your accounl by wriling checks. In Ihis Agreemenl, .you.,and "your" mean each person lor whom we
have Dpeno~ II Capllal C~sh Accoun~.. .We," ."aur," "ours." and ...~s. meon Firsl OepoSlt Naliollill Bank or ils assignee. You may not he eligible lor an Account II you or a member of your household alleady
have 8 c,edlt account With us, ProYldla~ Nalronal8ank, or Prov,dliln Credit Services. lnt, The Account may be used only for personal. famlr, household, and charitable purposes. and not for any business
or convnerClal PUlpOSll. Any USD OllhlS Account shall constitute acceptance ollhe terms ollhlS Agfcemcnl. You lIn~ we agree as lollows:
Sp.d.al Raqulr.ment ot th, ~ccaunt: Credit Review ~ragr~.m. In order 10 keep you Account in good slllndi,ng. vou agree 00110 signilicanUy increase the emounl of ftlur !otill dc~t IIn unsecured
revolVing accounU, ~e wIn reVIew vour Account and crl'dtl profile quanerlv to evalualo the amount you owe Ielaure to thll arnount 01 your then CUffen! income. (We consldBf an Increase in debt of more
th6n $2.000 to be Significant, unlcss you have sulficienl income.l If wc dClormine lhat your Account is nol in gond standing, vour Annual Percentage Rat6 maV be increased.
Caih Altv,;r,clIs. The Account is available only wilh the initial loan amount reash advllnc"-l, This initielloan amount may include payroon!! that we have made to olher lenders on your behalf in order
10 Itansler. your ol~er balanc~s. 10 Ihis Accnunl, chr.r~s ~i!ed 10 you for Ihe purpose 01 transferring your balances 10 Ihis Account, and lunds electronically transmitted 10 olher lenders to transfer balances.
Howe~er. " you rejecl the Initial loan amount and have nol used the Accounl, we will close the Account alld you Will have no obligation. II you reject Ihe initiallosn a!TlJunl bUI hare used tha Account,
\\'e WIll close Ihe Account lJnd dcmand irrmcdiote lull paymenl only 01 the balance and charges not relaled to the initial IDan amDunl. You mav request additional cash advances by calling the toK.free
nU/Tiler listed on your monthly statemenls.
Payments. Vou will receive a monthly statement shOWing your OUlstanding balance, You will pay us in U.S. dollars fChecks roosl ba pavable al a U,S. office of the bank, Ihe check is drawn anI r:1 least
Ihe payment due as shown on YOUI statement by the payment due date in accordance with payment instructions on your mOnlhly statement You may nol use your cenvenl!mce checks to ITWlke pevmenls
on your Account or 10 make payments on any other account you have with tiS or our aHiliates. The niOlmum payment due will normally be: 2.0% of the new balance shown on your stalement plus Ihe
amount of any pas.t due paYmP.nl plus Ihe amounl by which Ihe new balance exceeds your credllline plus lees for certain aplionaf seMces. However. the payment due WI. mil be less than $15 lunless
your ne~ b~lance IS I,eu Ihan $15. in which case the paymenl due wjJI ba rhe amount of the new balance!. II your payment is loora than the pavment due. it will be treeled as a single payment and
no~e 01 It will b.a app~ed 10 future payments due. We may accepllale or partial payments. or payments marked -SIUd in lull- or marked with olher reSlrictions. without losing our right to collect all amounls
owmg under 'hiS Agre,ment. THE MINIMUM PATMENT IS n~lY THE REQUIRED PAYMENT. TO PAY D WN YOUR lOAN FASTER. YOU MAY PAY MORE THAN THE MINIMUM PAYMENT
DR YOU MAY SENQ EXTRA PAYMENTS AT ANY TIME.
f(nance Charge, Finence charges begin to accrue on a debit when it is included in the daily balance (-Balance-' and continue untillhe balance is reduced by a payment or credit. Tha Balance is reduced
by payments as of Ihe date received, and by credits {except lor reversals 01 lale and miscellaneous chargesl as 01 the dale posled. Debits other Ihan linance charglls lie included in the Balance as of
Ihe dates Ihey lire plaled which are IS follows: cash advance checks lhat Ble identified as c.uhier's thecks that we rtltllled to you ot your rp.queSl, as of seven days atter Ihe date we prinl on the check:
an other checks, as of Ihe dale presented to us; lunds electronically lransmllled 10 other lendeu 10 transler balilnces, as oltha date transmilled. Olher debits !ercept lor late, finance. and rrncellaneous
charges} are included in your Balance as of tha date pOSled. Finance charges am added 10 your Balance each day and are lhen posted on the lut day of the billing cycle.
To ligure.the daily finance charge wa start wilh your previous day's Balance, add aU debits and sublract aU credits for the current day las Clplained in the paragraph ebll~elllnd OlJltiplv the net amount
by Ihe dady periodi.c rate Isee follOWing paragraphl, The finance charga is Ihen added to and included in that day's 6alance. We treat a credit balance lor any day as lero. We delermine the 10lal finance
chargES for the billing cycta by adding :ogelher the finance charge for each day within the billing cycle. To delermine Ihe I!verage daily balance shown on yuur statcme'lt add eech day's Salallca !including
dairy finance chargel in Ihe billing cycle and divide by Ihe number of days in Ihe billing cycla" You can mulliply this avenge dally balanco by the nurmer 01 days in the bll~ng cyr.le and by Iha dally periodic
rate to deternine the tolal alnDunt of your linance charges for the billing cycle. In calculating linance charges, an adjuslmenl wilf be made for any Iransaction or paymentlhat would have allecled Ihe
finance charge ca.lculation in a prior billing cvcll! had il been posted in Ihat cycla. The balance amounts mown on YOllr statement may dilfer from the Balances used in computing finance cllalges,.beca~se
Ihe,laller do not mclude any lale or niscellaneous charges which arc included in the balDnees shuwn on vour statement. There is no period within which credit 8llended may be repaia withoUI IOcumng
a Imance charge.
Tha ANNUAL PERCENTAGE RATErAPR", is 21.90S. corresponding 10 a dai!y periodic rate of .06000%,
If fOU do nol comply with the terms of Ihit Agrel!rrnmt your ANNUAL PERCENTAGE RATE IAPRJ will be 23.90%. corresponding to a daily periodic rale of .06548%. We reserve the light 10 change
Iho Annual Pr.rcenlage Rale calculations II you do not cOrT;lly with the terms 01 this Agreement.
fets. We will charge your Account up to $10 for each billing cVclll,within which your Account hallince erceeds your cteditlirr'll.lover limilleef even it your Account is closed. We will tharga_vou1 Accounl
up to $29 for: each returlled payment check; each check you write on your Account Ihat we relurn unpaid; each stop paYI~nl order llr renewal of such an order; each biliing cycle wllhlll which your
Account is delinquenl (laic chargel. II you request copies of billing stalements that were fitsl sent to you more than thral! IOOnths earlier. we may cherge 1I handling lee of $2.00 Illr each copy.
Def.ulL You will be in default: if you were not eligible lor the Account ,at Ihe time it was opened; if you fail to comply with any part of this Agreement; if any information you gawe us proves to be
inco~lele or false; upon your, death. bankruptcy, ur in:wlvency; if you lall 10 pay other debts when due; If I.: bankruptcy pelltion is filed by or agaInst you; or II we believe in ~o,od faIth Ihll you may
not payor perform your obligatIons under this Agreement. On your default we may. wllhoutlurthet demand or notice. cancel your credit Pllwlleges. declare four Account balance irTmedl81ety due and payahle.
and invoke any remedy we may have. In the event of your delault. the outstanding balance on your Accounl shafi continue to accrue interest althe APR(s) disclosed in Ihe Finance Chlrgl section of
this Agreement. even If we have sued vou to collect the amount you owe.
Credit Line. Your credit line is specilied Irom time 10 timn in iI separate notien. We may incmase or decrease your credillinp based on inlormation we oblain Irom you or yUUI credit records. Your 8V11illlhla
cre:1it is normally Ihe dillere"ce belween your credit Une and your Account balancp finchld;1l2 lWI!<.':C!!,:!!'I: !r'''::~~ C~ :m:~ur;;fd trut nUl yet posledl, If you send us a large payment chetk. we may limn
rcur ill:Gl1..ble crwil "fhiie we confirm that Ihe check will clear, For certain lransaclions. available credit may be less. You will :lot use your Account 101. and we may leluse to honor. any transactIOn
which would cause you to erceed your available tredil.
Promise to Pay. You promise 10 pay us when due all amounls borrowed when you Of someone else use yUUI Account leven il the amounl charged eneeds your permssionl. 1111 Glher Iranuclions and
char;es tll Yllur Accounl, and collection casU we inCur including. but notlimiled Ie. rea~onatJle ~lIomI!Y'$ lees and courl costs. (lj you win Ihe SUll. we Will pay your reasonable allorney's fees and court
cosU.1
Chlng!s. We may change any part of Ihis Agreement III add or lerreVi! lequircmrms aller nOllce as feQuired by law. II we_ change the Finnce Charges secllOn ollhi! Agreement. Ihe nr.w linance
charge calculation win apply to ynur whole Accounl bal&nce from the ellecllve date of the change, whethl'r or r101 thl! balallte mctudes ilems llOsted te ~aur Acr:oulll b~lore Ihe chanQI! dale and whether
or not you conlmu!! 10 use the Account
CanclJllltion of Account At any_ lime aftp.t at teasl 30 deys nutK:e to you. or Without no lice II pr:rmlllcd by law, we may cance/the Account and your credil plivilcges. II your Account is cancerled,
finantc chllges and othel lees .w~1 continue to be assessed, paVffil!tlts Will cunllflue 10 be due. and aU other I'IpJlhcable prOVISIons of Ihls Aweement Will remam m eUect. rou n-"y cllncal Ylllll, credit
prlvlleges by notllymg us 10 writlOg and paymg your enlira slatement balance by the payment cuc dale on tIll! Slll!r.melll which Includes your hnal ch~cks, cash ad~8nces. c~arges. and fees, You WIU shn
be responSIble tor pnying any accrued hnance charges, !I yaur credll prIVileges are cancelled you may flO longer Wille checks nn yuur Account. and you should destroy anv unused cluds we hue rSWfld
10 you.
Person.llnformation; Documenu., You wdl give us alleast 10 days nollce 11 you change your nflff1f!. h!lOle Of Oladmg address. telcphon!: numbers. cnlll'oVmrntl or income. Vou win proll1ltfy ~Ive us
in!otlTllltion about your financial aflalrs II we ask tor II, We may gel such mtmmaflCln from olhrns. Irlcludmg credit r('portrng ll~enCles. and prOVIde your address and mfo/mellon aboul your AtcDunlto
Dthetl. We m..!LIIJso ~hare such mformalion wiTh our affiliates. Howf.'~et. 011 Ol/! wnlP ~o us at all !line In~tructl'!Jl us no! 10 share Cfl!ltll mlorrr,lIllOn wrlh our a1fllil1trs. II you laM 10 lulhU any of
youI obliQiiicins unour Ih!s Agreement. a negative credll mpan Ie rwnq on vour cre it recor Intly (' ~u llifieTfilcreOlt reporllng agl!nCle~.
CUlloMer Strvice: Un.uthari:td Use. Lon. or Thrft of Chf'cks. You will silleglJa'd all cheds 1~~UI!d In VOU lrom Ilwtl. 1/ fUU discllwm or sus.rwcl Ihalauy u'lusrd ChllCh are 1051 or :toten, or thai
thl'fe may be III unaulhofl1r.d Iransaction on your ACCllurll. you will nollly us plOllltltly liy 11'1r.llhonrng I.BOO 9649212. You Will ph(ln~. e~en Ihough you may nOllfr us," wrttrng, so we clln act IISI
to limit losses and tlllblhly, II vou rcporl Dr we susp~ct unl1utholl1{'d use of rOIll Account. ~.(' lll2y suspl'nd ynul credit IJllvllr'grs unlil we r('solve Ihe problem 10 CUI :.alll;llItllnO. Tn \nlproVl! cuslomer
serVice and Sfl(:urrty. you ..grlle lhat YOUI calls may be mORltlllrd Ot rer.orlled.
$llIp Plyment Drdflra. II you wish 10 SlOp paymenllln a Cllt'ck, you mey sflld us II slOp p/l~ITW'r.t urlll'l 1Iy wll"ng 10 us III ~ll! IIddrf'U for CUSIOllJP.f sr.r~'lCe Ilsled on four biN VOll clln ffiflb I SIDp
payrnonl oulm DIehl' by ulllflg the numbm ltsled 1111 vnur slateltl~1. Whf!n yllu mali.f! 11 SlOP P8YIIll~I'1 oldfl!', you i'Illst 11If!~I~1' ~llUI ACCOUlll numhffl and specIl1C mlllrlTllltlOn 1.tlOlIllhe ch~_k: lhe rucl
amount. the date on tile cheCk. lhe namf! 01 The par!y fa whOM! II VIolS pawablr., lhe 111mI(' Mill" pflrsnn who ~llllf'd It. and Ihe r:heck nulTlllf!l. I'flU win be lI~lfld 10 catlflfm 8n (ifill Slop lieyltll'!nl order
in wlI1mg, We rTJ!V dlsln!Jllrd..!!!!rmal order II wI' do nC,".f'U'IIff' a Stlll1l'd Wllflrn c:tnfltmal~::tl W.rllll1 ',,",0 WI'I'~! _1l_!.!I"~.!!!! mel L'rrl!! nr II .'ou hllve not adeuuele!y descrlhed Ih"ltem SD thai paYO\l'flI
can be s1np~ our cClnpulP.i:-l'Tleorder wllrnlll be I'f!m:llwl' Iltht' l;hl!d WII$ paid IlY us lwfoll' we h"d 8 Irll&lrlllUIl' OPPOIIUMy 10 act 0'1 Ihe order. WI! may. wl!hnul LlIb,litt. dlSl!ttl.rd I ~mtlp.n
slOIl PIVlTll'!l'll orrlfll' Sit mOlllh~ 111m If'Cnlpl unlr!.s rllS rttrlrWf'd In wilting.
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Standard af Carll. Transactions in your Accocnt will be protalsed mechonically without Qur necessarily fllwillwing every item, Our proem!ng syslfnn will can our allenlion IO::llflain iloms which we
will 8IalTino. We WIU lIumlOO all trnnsocltllns when you repol! lhBl your chlJcks havo hl!Cfllosl or stolen. We do l10llnlend o(din~nly 10 mmine aU illlm" and we will n(1I be neoligcol II WI! do not
do so. This rule establishes the standard 01 ordmllry care which we in good faith Will FlllllelSO In IldrnOlslnring your Account. Smusl! 01 our lilt11ed review, and because your cancelled checks will nlll
be returned 10 JDU with tho monthly stBlcfOOnt. you should be carolullO enter aU checks 111 your check fogisle! or otherwise keep a record althem. You amoo 10 check your monthly slalemoou ilqainsl
your rm:ord IIn to nntilv us IlrolTlilllv 01 anv unllulhori,ed trlnSllclions or errors.
Waiver of Cutaln Rlgllts. We may delay or WaiYB Ilolorcmnenl ola,oy proYision 01 this Agreement without tosing our right 10 enloree il.or any olher provision later. You wlin: lhe right 10 pII!SenllOOfll,
demand. protesl, or notice 01 dishonor; any IIppllcable s1atule ollimllallOns: and any tlghl you may hove 10 require us 10 proceed BQOIOs! anyone before we sue you.
ArPlltablellw; Severability: AlIllJnmenl. No !nailer where you live, this Agreemelll and your Accounlllre govewed by ledc/Bllaw and by New Hanllshire law. The Agfeemenl is a Iinel elprenion
o the agreemanl belween you and us and mAy not be contradir:led by evidence 01 any alla~ed oral agreement. AI any Inne III1N we deloflllne in good 18ith Ihat1!ny J!fo:lo!ed or enecte1f ICWI:litl:m.
regulatory aClion, or judicial decision hIlS renderlld or may ronder anl/ IMtOlia! provi~ian of thIS Agreemenl invalid or unenlorceabla, or impose IIny increa:wd III. reponing requlremoot, or olher burden in
connection wilh any such provisllJn or ils enforcemenl. we may. eltllr alleRsl 30 days 1I0liclltO you. or wilhout nollco il pcrmillcd bylaw, cancollhe Card and your credit priVileges and dr.CI.UI\'"
Accounl balance inrnodialely due and p.yoble, II. any provision 01 Ihls Agleemenl is held 10 be invalid or unenforceable, you a~d wa Will consider Ihal prllvilion modified 10 canform 10 .pplicabla .W,
and the rut of the provisions in Ihe Agreement Will sldl be enloleeablo. but we Will have Ihe ligl1110 cancel your Accounl and dedar! your bal~nce Immediately due, IS IlroVlded in Ih~ pfecediflg senlence,
We may lI.nsler or usign our righllO aU or some of your peymcnu, II Sl6le law requires Ihat you recci':D nolica 01 such an ennllo plolecl Ihe purchullI' or assignee. WII may gIve you such nolice
by fiting I linmncing slllement with Ihl ria Ie's Secretary 01 Slat8,
Nolices, Other notices 10 you shelt be IIlfecljye when deposiled in Ihe mailllddresscd 10 you atlho addtess shawn on our recordl, unless a longer notice period is specified in this Agrll&ment or by Illw,
which period shall s18n upon mailing. NOlice 10 us shall bB mailed to our address 101 cuslomer service on your statcmontlor otliCf addfcsses we may specilyJ and shaH be alleclive when wa reClllve U.
Your Billing Rights .. Klllp This Notice for FutulI Un
This nolice contoins ir'r1lorlant information aboul yllur righlS and our fesponsibilities under Ihe Fair C/odit Billing Act
Notlfy U:3 in Cnl of Errors or Questions About Your Bill. If you think your bin is wrong. or if you need more inrolmation abaut an enlry an your bin, write us. on.. separale sheel. at our address
for customer service Usted on your bill. Write 10 us as soon as possible. Wo 1T'lI,1 hear Itom you no latef than 60 days aller we sent you Ihllirsl bill on which the error or problem appeared, You can
telephone us. but doing so will not preserve yourrighls.
In your leuer. giv6 us Ih6 la/lowmg: . your nsme /Irrd Account number. the dollar amaunt of tho suspected error.
. Describe the enor end elplsin. il you can why you believe there is an error. If you ne-ed mIlre information, de~:ribe the ilem yeu are nol suro about.
Your Rightl .nd Our RasplDnllbilllles After We Receive Your Written Notice, Wa must acknowfedga your lelter within 30 days. unless we have correcu-d the error by then. Within 90 days. we
roost eilhor correcllhe error or eJplain why we believe Ihe bill was carrecl. Aller we receiye your hmcr, we cannoltry 10 collecl uy amount you Queslion, or fcport you as delinquent, Wo, can ',ontinue
10 bill you lor the amount you queslion, including linance charges. We can apply any unpaid amounl againsl your credIt line, You do not have 10 pay any quuliaDlld amount while we ara mvesllOlling.
bUI YOIl are stiD obligated to pay Iho parts of your bill that are not in queslion. .
If we find thai we made I mislake on your biU, you will nOI have 10 pey any linance cherge relaled 10 8!lY questioned alnOunl. II we didn't IMke a nisl8ke, you may have 10 pay linence charges, IInd
you wal have to make up Ihe mISsed payments 'In the queSlioned amounl. In eithQf case, we will send you a slatolOOJll ollhe armunl you aWlllind the dale Ihal it is due. II you laiI to pay the amount
we think you OW!, we may report you as dl!~nQucnt. Howcyer, if ollr fllplanation does not salisfy you and you WIlle 10 us wilhilllO days telling us !hal you sull reluse to pay. we rooslleU anyone
we report you 10 that you question your bill. And, we IT'lIsllcll you Ihe nama of ;myone we reported you 10. We musllcll anyane we r!pall you to Ihat the mailer hIlS been seltled betwl'OO uS when
it finally is. If we don't follow these rules. we can'l cotlect lhe lirsl $50 01 tha questioned armunt, eVlln il your bill was COlrect,
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SHERIFF'S RETURN - NOT FOUND
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CASE NO: 1999,02659 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PROVIDIAN NATIONAL BANK
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VS.
SPITZ DINNA MAE
being duly sworn according
and inquiry for the within
R. Thomas Kline , Sheriff, who
to law, says, that he made a diligent search
named defendant, to wit: SPITZ Dlm~A MAE
but was unable to locate Her in his bailiwick.
He therefore returns
the COMPLAINT
NOTICE
NOT FOUND ,as to the within named defendant
SPITZ DINNA MAE
ELEVYN ATTEMPTS AT SERVICE WERE MADE BUT WE WERE
UNABLE TO LOCATE DEFT BEFORE COMPLAINT EXPIRED.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
Not Found Return
So
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APPLE AND APPLE
06/07/1999
Sworn and subscribed to before me
this ? 6-- day of (;" 'u >
19 q9 A.D.
(~) u- Qo:~~~arrf~
COMPLAINT
1. Plaintiff is a National Banking Association located in Tilton, New Hampshire.
As of January 1, 1998, Proyidian National Bank was merged 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 506 N. Bedford Street, Carlisle,
Cumberland County, PA 17013.
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 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 balauce due amounts to $3,526.41.
8. Plaintiff avers that interest has accrued at the rate of 21.90% per annum on
the balance due from January 7, 1999.
9. Per the terms of the agreement, the Defendant haa agreed to pay to the
Plaintiff as liquidated damages, the costs of collection, including all reasonable attorneys'
fees incurred in the collection of monies <lwing.
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CAPITAL CASH--
Account Agreament for Donna Mae S;llt~
Your Capital Cuh ~cctlunt ltha -Account' is a r!Uuble personll h,.n Ihat aflows Y:lU 10 access your accounl by wri1i='ig checks. In Ihil Agreemenl, .you.and .your. mean each person for whom WI
hIVBop8ne~. ClIPitl1 C~m AccolOnr. "We,- 'our: .ours. ane .us. moan First DepoSit N'lional Bank or iu assignee, You m.1r not iii elilJlblalar an Accounlll rou or a rmnber of your housdlold alll!ally
hive I credit Ilctllunt W1lh us. ProYldian Nelional Bank. ltl ProvKlillll Credil SlJW:es. Inc, The Account INlY be uted only lor pCfSDnal. IllTIIy, household. QOO chantable purposes, and 1101 for any business
or cOlTmlrcial purpose. Anr use of Ihis Accounl shaU COo:tilule acceptance 01 In. terms of Ihis Agreement, You ...nd W~ agrlle lIS loUo'Ns:
Sptclal Rlqwremeot ~f the Account Credit Review Progrlm. In order to ker.p you Account in good slanding. you agree 00110 signilicanlly incrolSo Iho amount of your lotal dell1 on unsoturr.d
revolving accounls. ~e. ~U rmew your Account and credil profde quarterly 10 evalullllthe anl)unt VOU owe rel/Hlwe to Ine al1'Qunl of your Ih~ curront income. Me con~!der all im;:l!a2 :n dett at :n:n:
thin $2.000 to be S10fllflClllt. unleu you hiVe! sultlcfCllllOcomeJ ~ we determane 1h81your Account is nat ~l good slanding. your Annual Percenlage Rile rllIy bit increased.
CIS" Ahnen. Tho Account is a,adable only with Ihe milialloln amount rCllsh advlnce-l, This inilialloan amount nlily include pllyments thlt we hlva made to olher !enders on your bllhllf in order
to Ir.nder your other bal.nces 10 lhis Account. checks mlded to yeu for Ihe purpose of transferring your bolancl!S to thi, Account, Ind lunds eleclroniceUy IransmnlDd to olhtr lendln 10 ftansllr bllance!.
How~ll. il you retectlho inilialloan amountlnd hllWl nol used Ih. Account, wo will close Ih, AccowlI ilnd you will hIVe no ob~gltion, It you rerect lh, inltitl lOin .mount bUI ha.e used Ih. Attounl,
wt will cloSlt the Account and demand imnedistu luU payment only ollhe ballnce Ind chngcs not related II: Ihe lRllialloan amount, You may request additional cash advances bV calling Ihe tOI.frN
numer listed on Yl)ur rmnthly !lllements.
Pa'(llleftb. You will recetvlJ a monlh!y statement showing your oUlstandmg IUllancll. You wi" PlY us in U,S. dollars (checks lJIJ!I be plvabl6' It a U.S, offICe of the bank tho check is drawn ani allelSl
Ihe peymenl due as shown on your stallm!nt by Ihe paYrTlll'll dUll due In accordlncll WlfhplYrMflt InSlluctlDns on your moo!hly slaHl/rent. You lNy nDI usa your cnnvCfliencr chacks 10 make paYrmllS
on rour Account or to make payments on Iny other accounl you have wllh us or our alllllale:s. The fTllllrllJlTI "ayment due will norms"y be: 2.0% 01 the nnv balance shown on your stllenaent plus the
alTVlunt at any pa~ due payment plus the amount by whIch Iho new blllance exceeds your crcelll bno plus lees for corum oplional Sllf\Iices. Howcyer, the plymmt due wil not be Ins Ihln $15 lunless
your nll~ balance IS ~u Ihln $15. In which CDse Ihe payment dUB WIll be the amount 01 the new balanc(!!, II your pAyment is Illue Ihan Iha paYml!fll dUl. it will be treated ,as I :Ingl. p.yment and
non. of It wiI be allP~cd to future paymslIs dUI. We may accepllale or pamal payments. or payrrents mlrked "paid in fud. or m.,k~d wilh other restrictIons. withollt losing our fight to collect In alll)unU
owing under this Ail...,..".. THE MINIMUM PAYMENT IS ONLY THE REDUIRED PAYMENT, TO PAY DOWN YDUR lOAN fASTER. YOU MAY PAY MORE THAN THE MINIMUM PAYMEJlT
OR TOU MAY sElIa EXTRA PAYMENTS AT ANY TIME.
Anlncl Charge. Fin.nce charges hegm to accl'll' on a debit when jt is included in the daay balsncc rBa!a:lce1 and conlinue unlillhe balance is reduced br a payment 01" credit. The Balance is redllceoJ
by p'rITNl1IU IS of the dalo received, IInd by credits lexctpl lor reversals 01laT8 and miscuJlancous cherges! as of the date pOSled. CelIils Olher Ihan finance charge, ere included ill the SIIInc8 ... of
Ihe dates they are posted which are IS follows: cash advance checks Ihelllre identified II clShler's che::ks that we ill/ilIad to you at your request, as of seven days after the dlte we prinl on thl cl1eck;
II olher checks, as of the dlle presented to us; funds eleclllmicaUy transn1tted to other lenders to Iransfer balances, as of th~ dltL'< tranwUed. Other debits lercCllt 10' late, Unance. and nisccll.n&Ous
chargesl are inclUded in your Balance as ollhe dale pOlted, Finance charglls Ire .dded 10 your Balance 8ach dar and are then po~ted nn lhe last day 01 the biDing cycle,
10 figure ,1hl dilly flf1lnce charge w. start with YOUI previous day's Balance, add aU debilS and subtract all credits for Ihe current dar In eJ,plainltd in Ihe paragraph abovt' and mJltiply the net .mounl
by Ihe daily periodic rale (see loUowing paragraph}. The finlnce charge is then ,ddcd to and included in thlt dey's Balance. We trear I aedit ballmce for any dlY as IBrO, We d"Umine the lorll fll'lanr.8
chafgBs for Iha billing cycl. by adding togethCl the finance charge lor each dlY Within the bming t')'cle, To determine the IVCle\jB daar balance shown on your statement, add cach dey's Bah~rw:lIlincluding
dlay finance chargel iJ the billing cyde Ind divide by the nurmer of days in the billing cyclo. You cen ITIdtipfy this averlge dady balance by tha number of da~s in Ihe billing tycle Ind by Ihe dally pl!riodic
'lie to de1eminll the toUI amount of yuur finance charges for Ihe billing cycle, In calculallng finance charges, an adjustfrel11 will bo made lor any Uansactlon or paymenl that would hive .tfKted me
fin'"ca charge calculalion in I prior billll'lg cycle hsd it been posted in that cycle. The balance 8fOOunts $/lawn on your stalemenl may ditler from Ihe B~lanc!S used in cO~lJting linance charges. because
thlllttet do not include any 1.la or nlSCeDan80u, charges which are included in the balances shown en your statemenl. There is no period willlin which credit eIlended may be repaid Without i1cUnllll
a finance chlrgl!.
Tha ANNUAL PERCENTAGE RATErAPRi is 21.90%. corresp!lnding 10 I daHy periodic rale 01 .06000%.
If YOll do nol compty with Ihe lerms of Ihis Agreement your ANNUAL PERCENTAGE RATE (APRI wiI be 23.90%. cot(csponding 10 . daily periodic rate 01 .06548%, We reserve the right to chlnge
Iha Annual Pcrcentage Rate calculations if you do not c.lIl~ly wiUr the 1erms of thIS Agremncnl.
Fen, Wit will charge yuur Account up lo $10 for each bining cychrwllhin which yOUl Accounl balanco lllceeds your credit hmit, lover limit leel ewen jf Y:lUf Accounl is dosod. Wo win charge your ActDunl
up la S29 fOI: eadl returned paymenl check: Bach check VIlU wnle on yOllr Accounl that we return unpaid; p.ach step plyment order or reneWII 01 wdl an ordM; each b~ling cyde within which Yllur
Account is delinquent pue chargel, If you requesl cOilles of billing slatements thaI were lirst Slllll to you more than three mnths earlier. WI!! lTIiy charge a hand'ng lee of $2.00 fOl 88en copy.
DefJulL You will be in default: if you ware not efjgible lor the Account ,al the lime it was opened; if you fail to comply wllh any pan of this Aoreemenc it any infollnaljon you gave us proyes to be
inCG~lele 01 false; upon YOllr dea1h. bankruplCV, or insolvunty; if you fall to pey other lIebts when (tue: II a bankruptcy petilion IS filed by or againlt yOU; or If Wit believe in good fanh mal you may
not ply or perform your obligations under this AgrtMBll. On your default we may. wrthoul funher demand or notice. canccl your credit pllVlleges, declare your Account balan:e im1ed'iately dUI!! IlId p.yabl!,
Ind invoke any remedy we may have. In Ihe event If your l'teloull. Ihe oUlStanding balance on your Account shall continue to accrue inlorest It the APRls! disclolitd in Ihe Ar.ancc Chlrll' section 01
1hi, Agraemefll. even If we have sued you to collect the amount YOll owe..
CreiitUna. Your credit line is specifiad from lune to time i1 a separlle notice, Wil;;'lly increasa or decreese your cte.dit tine bned 00 informalion we obtain from you or vour credil rucords. YO<.,lr a'aH~
credlllS nonnaUy thl dillerence batwelln your credit line and yom Accounl balance hncluding Ir~'lsactlons made or luthorued but ntl1 yet posted). If you send us .II large payment check. we may 6011
)':;wr '\'io~i::'~ C1fNit ..hue we cuntirm Ihat the check wiii cjear, ror certam transactIons, anrlable cra:llt may be It$S. You WID nOI U$Il \,our AcctIunl tOl, and we may refuse 10 honor. any transactlGn
which would CIUse YDU to elceed yourllllil.ble credit.
Promise to PaV. You promise 10 pay us when due af! amounts borrowed when YflU Dt someone else u~ your Account (even if the amount charged elceeds VOUI permssionl. aR other lranuclions and
ch.r;es to your Account, and collection com WalrlCUr induding, but not IlIn.ted to. reasonable allomey's 'ees and court taus. !If you WlM the Slllt. Will wII p'y your reaSlJnable sIlOMey'S tees and court
cost'-I
QlIIlts. We may chang. any part of this Agreemenl or Idd 01 removll reqUirements after notice as requited by lavw. If wl,chenQe Itle Finllm:! Chargn section 01 this AgH~ement. Ihf! n~ linance
charge calculltion wilapply to youf whole AcclIunt balance from lhe effectjye date at the change, whl!lhl!f Dr not Ihe ::Iolance ,"dudl'S Itl!l'llS llasted to vour Accllunt betole Inp. chlnQe datl! .nd whether
or nol you conhnue 10 usa the Account.
Canc,lI.tioll cf Account. At .ny Utili! .hlll at leul 30 days nulice 10 you, or WIthout notIce If perlT'llicd bV law, we milY cancellhe Account anll your cll:!dit privileges. If your Account is cancened,
fln.nce charges and other fees will conllnue 10 be assessed. pavmrnts wlllctlntmue to be dUll, and al other applicable provISIOns of thiS Aprecment will rcmalll lfJ ,-,lIecl. You mlY cancel yout tretlll
ptlvlleges by n;)1lfymg us In wilting anll paymy YOlll entire: sU:leme.'lt balanct by the paYrnerlt due dale on the stalcme!lt whIch Includes VOut fmal checks. cash advances. chartles. and fees. You WIll still
be rtspon~ble lor peying any accrued liOlnt!! charges. II your tred~f prlv~P.1Ie~ ate csntel!ed YOll may no longer wllte chech on YDur Acr.ounl. anll you should demoy any unu$ed checks we~ne ISSUed
to you.
Pellol\lllnlorm.tion; Documents., You will gille us at lellst 10 days notIce if you change yeur name. home or madmo address, W!ephone nurmers. e~roymant or inctJlM. You wi profl1llly !1ive liS
infofrtlll10n abOut your lrnanCllllaU"ln II wit ask fOI II. We ll\Iy oct SlJch mformatlon ,lroOl olbors, Including, credit f!;lot!mg agencIes, ~nc:l proVIde your address and information aboul rOUI Ac.count 10
othflts. We may also mare sllch 1I110rmatmn Willi ollr affiliates. Howewer, ~ou may wme III us al IInv lime lI1!:fruc;ln.!l...!!S not 10 sharp credit mformatlCln with our aflillale!. If vou till to 1u1IIQ any al
yuur obli9'ltlons under thl! Agreomellt, a negative Crl'dlt rl'lJort ICIJOC:lOg 0.11 your crC!llt ~8cord Il'IlIY be :wblYJtted 10 credit reportmg agentlcs..
Custllmlf Servicl; Unluthurill:d Ule. loss. or Thrtt of Chl!(;ks. You WIll sate911ard aU chocks iuurd 10 you trom Ihrfl. II YDU dlstllV'" or Sllspt!Ct thai any llnusr.d checkJ afe IoS1 01 Stol"'l, or H'lt
therlE rMy be an unl'uthOfllcd transat1Kln un your Account, yDU W1R nOllly us WOI"'lly by Ielephonmg 1.8DD,964.5712. You will pholle, t'ven though yOU may notIfy LIS III wrllmg, so we OJ" act IISI
to lim1 io!iSts .nd 1i3blkfy. If VOU report Of we SlJspl."C1 unalllhofl1ed U3e 01 your ACl:ounl, we IT\av su$pcnd vour claCll ImVllrgas Un1~ we reSGlve the tlroblcm 10 our uftsllCfltln. To lInproVl CUS1011'l'f
Sltl'lCII ii'nd sacunly. ynu a{llt! Ihar youl tllb may be momlored or rr.ct.roed.
Stot: Peymlnl Drderl. II you wish to stop pevmcnl on . cnrck, ~ou INV ~I\d uS II SlOP p8'Vrtl8'n1 mder by wnllflg to uS 'lour addrf'u fnr customer sm-ite, 'sted 1m your bl, You can rrale I l>10p
pa~fJl:nt order Draa, by caUln~ the llUlliu5'l' b:.:lrd 011 vour st.lllfT1r.Tll. When yOlo' mau I slap pl!\,ITll.'llt ordp.!, you ITIlfl :;loVldr vour Account number anll specIfic ~lormullon ahoul the check: the euct
amount the "ite on the chock, lhe n.~ cl the partV 10 wf\om It wu plly,ble, :h, l1allll!! of Ihll pf!f~on whtl lI!1ned II, .nD !tIt ~hec. number. You will be ukllfl to conf.1fl .n ofal stup P3,lnI!I'll oldf!t"
1I111101100. Ii', mly di!J~lIrd~1!r81I1rnm II we do nl'Jl rf'f,,",IIf' ~ ~Qnl'd wrttlrn cnnfirms!ll1n wllIun !WO Wt!f'lS aluy. ,tll' lImlllrdl!!: 01' II you IIl1l1e not .LfeqUltely descnbed ~ Itrm stllhlt PSYllllfll
tan br 61opj';fiiJ by our com;lliler.-'Tht 'l1dllf~wTn"~l1ie el'ecllve lithe dud: WI' lIaldliyui b..jDle we liBel a rr.uanalilt oppotlunlly 10 ecl an the Ordllr. We: mly. wllhout ~at.iUty, dlsreo.~' wnUt:!
stop paymm: orOef Sri monlhs. .ltll !fil!lJ'1 unl!!.$. II I' renl"WeG 11'I wrt1mg.
\8\10\98
].~ 78
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SHERIFF'S RETURN - REGULAR
CASE NO: 1999-02659 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PROVIDIAN NATIONAL BANK
VS.
SPITZ DINNA MAE
BRIAN BARRICK , Sheriff or Deputy Sheriff of
CUMBERLAND County, Pennsylvania, who being duly sworn according
to law, says, the within COMPLAINT,REINSTATED
upon SPITZ DINNA MAE
defendant, at 14:05 HOURS, on the 13th day of August
1999 at 56 N. BEDFORD ST
CARLISLE, PA 17013
was served
the
County, Pennsylvania, by
DAUGHTER)
a true and attested copy of the COMPLAINT-REINSTATED
together with NOTICE
and at the same time directing Her attention to the contents thereof.
,CUMBERLAND
handing to HEID! CARBAUGH (ADULT
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
3.10
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8.00
$",,,.lU
s:.aC~~t
APPLE & APPLE
08/16/1999 n1 U
by ftyri{54 IJ1t .
uepu 10
Sworn .and subscribed)lo befor! me
this ~ day of /"Jtj {is {-
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