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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
PROVIDIAN NATIONAL BANK an assignee NO.
of FIRST UNION DIRECT, N.A. IN CIVIL ACTION
-us- Plaintiff(s)
NORMA J. JONES
Defendant(s) COMPLAINT
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 THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
PROVIDIAN NATIONAL BANK an assignee NO.
of FIRST UNION DIRECT, N.A. IN CIVIL ACTION
.vs. Plaintiff(s)
NORMA J. JONES
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 any 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 (717) 249-3166
Toll free: 1-800-990-9108
2
I. Plaintiff, Providian National Bank, is a national banking association located
in Tilton, New Hampshire, and is organized and existing under and by virtue of the laws of
the United States of America.
2. Defendant is an individual whose address is 26 Carter Place, Carlisle, Cumberland
County, PA 17013.
3. Plaintiff avers that Defendant applied for and was granted credit by First
Union Direct, N.A. upon terms and conditions agreed upon by the parties.
4. Plaintiff avers that thereafter Defendant made purchases and or received cash
advances using said card.
5. On January 30, 1998, First Union Direct N.A. sold, assigned and transferred
to Plaintiff, Providian National Bank, all its right, title and interest in and to the account
between Defendant and First Union Direct N.A., that First Union Direct had the right to
assign the account to Plaintiff and that Plaintiff thus stands in First Union Direct's stead
for the purposes of the instant action.
6. Plaintiff avers that Defendant was notified in writing of the aforesaid assignment,
and Defendant received a new agreement from Plaintiff for said account, a true and correct
copy of which has been attached hereto, marked Exhibit "A" and made a part hereof.
7. Plaintiff avers that in breach of obligations under the Agreement Defendant
failed to make payments as they became due.
8. 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.
9. Plaintiff avers that the balance due amounts to $9,757.07.
3
10. Plaintiff avers that interest has accrued at the rate of 18.65% per annum on
the balance due from February 11, 1999.
11. 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.
12. Plaintiff avers that 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.
13. Plaintiff believes, and therefore avers, that said attorneys' fees rate is just
and reasonable compensation for the services rendered by said attorneys.
14. Although repeatedly requested to do so by Plaintiff, Defendant has willfully
failed and refused to pay the amount due Plaintiff or any part thereof.
WHEREFORE, Plaintiff demands Judgment against Defendant in the amount
of $9,757.07 with appropriate additional interest, attorneys' fees and costs.
APPLE AND APPLE, P.C.
By: IY?
Attorneys f Plaintiff(s)
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VERIFICATION
1{E6THERKOO8EIWProvidian National Bank, Plaintiff herein,
verify that the statements of fact contained in the foregoing Pleading
are true and correct. I understand that false statements herein are
made subject to the penalties of 13 Pa.C.S. 4904, relating to unworn
falsification to authorities.
Date
A cant -HEATHERKOOREMAN
Title - Designated Agent
Address -P.O. Box 9053
Pleasanton, CA.
94566
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SHERIFF'S RETURN - REGULAR
CASE NO: 1999-04313 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PROVIDIAN NATIONAL BANK
VS.
JONES NORMA J
DAVID MCKINNEY , Sheriff or Deputy Sheriff of
CUMBERLAND County, Pennsylvania, who being duly sworn according
to law, says, the within NOTICE AND COMPLAINT was served
upon JONES NORMA J the
defendant, at 16:49 HOURS, on the 19th day of July
1999 at 26 CARTER PLACE
CARLISLE, PA 17013 CUMBERLAND
County, Pennsylvania, by handing to NORMA JONES
a true and attested copy of the NOTICE AND COMPLAINT
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So answers:
18.00
3.10 00,
L
.00
8.00 K. omas Krine, 5 eri
$29Z0APPLE APPLE
07/20/1999
by
Sworn and subscribed to before me
this dAI;-- day of 'f ?-f-
19qct A.D.
r ono ary
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