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HomeMy WebLinkAbout07-6067ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 Attorneys for Plaintiff /89-'/ 1()l FORD MOTOR CREDIT COMPANY LLC, A DELAWARE LIMITED LIABILITY COMPANY P.O. Box 6508 Mesa, Az 85216-6508 Plaintiff, V. JASON CLARK 126 N Middlesex Rd Carlisle, Pa 17013-8493 Defendant(s). CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. 57_ &Uoq 01vi ITerM NOTICE 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, 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. CIVIL ACTION COMPLAINT AVISO Le ban demandado a usted en la cone. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o can un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Adernas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisions de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. 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. LLEVE ESTA DEMANDA A UN ABOGADOIMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral Service 2 Liberty Avenue, Carlisle, PA 17013 (717) 249-3166 MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED Attorneys for Plaintiff (215) 789-7161 FORD MOTOR CREDIT COMPANY LLC, A DELAWARE LIMITED LIABILITY COMPANY P.O. Box 6508 Mesa, Az 85216-6508 Plaintiff, V. JASON CLARK 126 N Middlesex Rd Carlisle, Pa 17013-8493 Defendant(s). CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. CIVIL ACTION COMPLAINT Plaintiff, FORD MOTOR CREDIT COMPANY LLC, A Delaware Limited Liability Company, is a Corporation with its place of business at P.O. Box 6508 Mesa, Az 85216-6508. 2. Defendant, Jason Clark, is an individual who resides at 126 N Middlesex Rd Carlisle, Pa 17013-8493. 3. At all times relevant, the Plaintiff was in the business of loaning money on motor vehicle installment sales contracts, including but not limited to the note signed by Defendant(s), hereinafter more fully described. 4. On or about November 17, 2005, the Defendant(s) entered into a written Motor Vehicle Retail Installment Contract, (hereinafter referred to as the "Contract"), for the purpose of obtaining financing in the amount of $20806.80 at an annual percentage rate of 14.900%, in order to purchase a certain motor vehicle, 2005 Ford Focus more particularly described in the Contract (hereinafter referred to as the "Vehicle"). A copy of the Contract is attached and marked as Exhibit A. 5. Pursuant to the Contract, Defendant(s) was required to make monthly payments in the amount of $341.80 for a period of 60 months until the loan was paid in full all as is more fully set forth in the Contract. 6. Defendant(s) made monthly payments until June 9, 2006, but has failed to make any further payments thereafter, and are therefore in default of the Contract. 7. As a result of the default by Defendant(s), and pursuant to the terms of the Contract, the above-mentioned vehicle was repossessed and a notice of repossession was sent to the Defendant(s) giving the Defendant(s) the opportunity to redeem the Vehicle as well as notice of the sale date. A copy of the notice of repossession and notice of sale date are attached and marked as Exhibit B. 8. The Defendant(s) failed to redeem the Vehicle and the Vehicle was sold at auction with a credit given to the Defendant in the amount of $8500.00, however a balance of $6891.99 is still due and owing, and a notice of the deficiency balance was sent to the Defendant. See copy of the notice of the deficiency balance attached and marked as Exhibit C. 9. Pursuant to the terms of the contract, Defendant is required to pay all amounts due and owing, including any balance that may remain after the sale of the vehicle, and the Defendant failed to do so, thereby in default of the Contract. 10. In addition to the foregoing, there is interest due and owing on the deficiency balance which at this time amounts to $923.64 and which will continue to accrue. 11. The total amount due and owing at the time of the filing of this complaint is $7815.63. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in the amount of $7815.63, well as any additional interest and costs that may accrue and such other and further relief as this Court may deem equitable and just. Respectfully submitted, Attorney for Plaintiff MAURICE & NEEDL MAN, P.C. CH RLENE A. TAYLOR, IRE Date: October 10, 2007 VERIFICATION I, CHARLENE A. TAYLOR, ESQUIRE, verify that I am the Attorney of record for Plaintiff, FORD MOTOR CREDIT COMPANY LLC, A DELAWARE LIMITED LIABILITY COMPANY, and duly authorized to make this verification on its behalf, that statements made in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. These statements are made subject to the penalties of 18 Pa.C.S.A. §4904 relating to unsworn falsification to authorities. 1 BY: CHARLENE A. TAYLOR, ES IRE DATED: October 10, 2007 VEHICLE RETAIL INSTALLMENT CONTRACT DATE - r„.r. a JASON ANTHONY TAVON CLARK 'fOV 2 2AU 1520 SDLLIVAN RD GENE LATTA TORS. INC XESTR[NSTER XD 21157 ROUTE RI CARLISLE PIKE XA\NOVfR PA 17111 rvr.lordcretllt.com ,1 AVkn AVTZ ar id. sae Pa.,- 9r 4kg¦N aonbaee YW ®Rraoowl ? Aekdird 0 Con .W L_ ITEMIZATION OF AMOUNT FINANCED -? w,a,.....,..? 1. Ca¦h Price .................... _. . ................... I77nn an / () "I VEHICLE ARE YR 0U 4EOUI. RED.TO OBTAIINNSURE THE .........__...............__....__..... S . 2. Dawn PMmn1 INSURANCE FROM A PERSON VEHICLE OF Third Pady Rebate Assigned la Seffw .....................................t W YOUR CHOICE. Cash Down PaYaam.._......._._._............ „t_ in, n ......__.._,._._._._......._. Tndo-ln UABrL1TY INSURANCE COVERAGE $ u g u/A FOR BODILY INJURY AND PROPERTY Yaa. am M_ Gma AI«.ple/A $NraAn DANA GE CAUSED TO OTHERS IS NOT Ta4l Down vyment......__...._._._._... inn rm(2) INCLUDED. 7. Unpaid 1101"m al C.eh Price (1 min. 9).._.._............____._$ ""on GOO)) d. Amen nta paid an your Iahail (Seller may be alarm, a .. pa . . :IW a CREDIT LIFE, CREDIT DISABILITY AND To Pu01k OXkmle OTHER OPTIONAL INSURANCE ARE III forsulia it c DO due IS_ 27 00 NOT ROME TO OBTAIN CREDIT )•g AND WE.L NOT SE PROVIDED UNLESS repNraNOn is 146DO Ideal; 176.0. YOU SIGN AND AGREE TO PAY THE (v) 1« Ta.g fees S N/A PRERNUM. pig for lases (not in Cash Pnca) S 687 7[ S Acn 7c io..."raw Cbmpames tar Credit OClanot A .. LNe Imuran¦a V« arm of eonlmel) _._._._._._..S u/A Irralrence, C-Parry Credit Disability N4urende W."' a ambars)..__......._._..s K2 S ,,., N/A !Term u/A Albnnb)....._._..S N/A Premium N/A (Term N/A Momlw).._._._..s N/A Insured(.) Ta N/A for N/A f Nn YW went Credit Lile Insurance. To N/A for N/A $ u/a To N/AI ITTA PDRn Iw_ TEE [ [[ OR t cd nn Buyer S'1 far N/A H/A t N/A T. N/A 1«_ 1Va t To N/A W N/A 5Dne 5. Amount !2-d (3 Pies 4)..... _......._......_. , $ i 971 A 7S (5) Cad! -- O Dsabilty FEDERAL TRUTHIN-LENDM DISCLOSURES r y ANNUAL FINANCE Amount Total f S 0 1v PERCENTAGE CHARGE Financed o Paymerds Total Site Wlce Prefu1 1 InsureD(s) RRRRRRRRTE Thu aaWranmm Ira wawaa " the agora wa rea-mu You want Cast Disabliy insurance. me ayov cndn ese yaew nM Draw we Ami by. 6 w. a I: "d aye«pwdasa angy l deal ya bY1an h aw m pvPrNnb m y m Y_ Man s BNYer Sans 6 61e9. 05 i131g Id s 20.06 0 d 20606.00 Co-BU/er Slge t OTHER OPTIONAL INSURANCE rw = ti Cow gs and Pmnbmand n ?rnLS e f'rr,mw Term In M,Natu k/A N/A S N/A or N/A 1UA. - "aeaaa: 6sees Pay onyear d,er guy, saesMml _. Iga¦ewlly. s- &y Iab-' YW am p.kp • aaaaey Iamraal r raa.wldda peke',haae, yb/A t--WA 1 .e1e PawwM auer You is aa.x 2 operam apay • rite ale (Ipam a NmPAmgnl ncwrW men dNn I d na odw°N'w' C d Mm; . .nw. onvw: PWe ese mw mebw err ¦esdenar Yat b a aap.ar km,wA Deisp papa ative, ma rides k roquln reWyntml at sett deb k WI eabn IM ediedaed aaA aM By 11 y'A NglA ou wan se bpw w lmlawxe ter which P aP.Taa r«ww. 12rerNUna an illdww.b-. 1 1 you 40 naoUt meet vow o.,. 011119 om, You may lose Your vehkN, as awq ids PN on now wMde and marsh' or 9oo6v recebed 1« Your b0 Bhar aeH ? YWr lac IesMgrrreni pyment laleer ttli canb.d u a beff paynyll. EItCESS NEAR USE 1Ne II?FJ a? I F. w ft. clean I.M. and Came bade y meamesa ea N ma low d rai y a- b rledl.d, this when, Pawgr+Ph a. and Paragraph C of W War tam M the cs.are The aamnt are 0. cerllnelaPpy. You my for n«mY use. n a1419ea for aapeaNe "ear o" d upon Wr a4mmda You esalaes did oplien to 10 IM wNds bads k S g eatareRn w an- M • node er ftebe M yawn b Yaa radar. . a er -ft, Paragrapl, b, YW mart Pat' fro Seger SD. u/ par roes !« each mde In e,eess M lt/A man steam on the odamaw. ? brer CanelNlb. Naltar AONmm f0adenrg MA INLEAGE OPTION CREDIT 1 di see b ohwera yes IM padb4d a Bert Tanpvlb¦en wewr. ('eraer a er raramga b K I wnean, dardaina 0 Written mar" des indaMd abate). and you have appma are 1s M'eW W w alive, ,pu r The r eard a.d your Opgan to aea the vahky M Me Sagan under Paragraph e. Oda andoim MN a ? paragraph aDPam b Yaar danhedl. M the .d1ed11[d end al nit doMnN1. YW wit Y1 ,pAdY egan Mum y gwApaaesybaer l racsne a areal d 50. N/A Per ,x_W mde kr the reader a unaead man N/ ea rw.rnpd4 brad d.N esnrdMOn aahwY wwa caaraaesak W balwaea ? mm N/A misa, ales day uwuda You saa,InWaAasWrinvrodwwH retlenl meal under hai coneecl. YW Ma not miceiea any cradir a m. wNda u destroyed, Ida ? aa ""Y, « you ding in ch""'. You WE na recahe ah pack it the rode b heia f/ , arm /^'I "rita k 9aa poaaaa mat he k wage. at a4wd th?Yft 06 the 50W. a.cuMe 1IMT YOU HAVE READ AND AGREE TO BE SOUND R Y THE ARBITRATION PROVISION ON TO! REVERSE SIDE OF TIaS CONTRACT. The Annual PereantAga rite may he n4got ated wm1 the Ssi4r. The 6a11n may design Us contract end may raisin as right to n0ehra a petition of the FInanee Lynrga. DD not sign 11119 contract In blank. You are entitled to an exact copy of the contract that you sign. Keep it to protect your legal rights. .-A U17 uC?AI? WRayer?L SI01. (/ 61arr. Buyer (and Co-Buyer) acknowledge that (r) before SWIn Ihls eonbact, Buyer (and Co-Buyer) received and reviewed • Rue and oompleteky n copy of thla contract and pi) q the thile of skwa? this con rasa, Bayer (and Co-Buyx) rat:elved a true aril completely filled In copy of this ca guy«? eleaa Sena, VEWF LATTA FORD TAT. By X2 _ M ,s7 4.4 THIS CONTRACT I9 NOT VALID UNTIL YOU AND SELLER Shat IT. Ali f Beier mw 1-1. eb matrrl b aaww ear.ea Ira! rratr wit m.. hue A, ShV. dea., WWkV a, vM neaveaa. ey made, wew,1M 8aW esYIb YY.carlbad I. PaRn anal CREDIT cm.... Te COmer Maianes l a a ode caravel, coo t-e0n_7]7_9enn > vlNl M waOalM M seer aRUI I AWa Vr4n 1ria, eY Tar t ionmJaaz, aarE,r/Nyrermy MOle6R-ET0RAOWT MouiREgaagi ORIGINAL E EXHIBIT "'PRN"' Ford Motor Credit Company P.O. Box 31111 TAMPA, FL 33631-3111 (877) 349-5260 P06NE000200026 JASON CLARK 257 E COLLEGE AVE APT 3 YORK PA 17403-2362 Date of Repossession 09-28-2OC6 Date of Notice Date of Contract 09-29-2006 11.17-2005 Account Number: 039882012 Bu er JASON CLARK Cobuyer DESCRIPTION OF PROPERTY Year 2005 Make FORD New Q Used Vehicle Identification Number: t FAFP34N45W 175181 Model Body FOCUS 4DR NOTICE OF OUR PLAN TO SELL PROPERTY We have your property described above because you broke promises in our agreement. Q PRIVATE SALE: We will sell the property described above at private sale sometime after 15 days from the Date of Notice shown above unless redeemed by you prior to such sale. PUBLIC SALE: We will sell the property described above at public sale to the highest bidder on the date below (or any adjournment date). The sale will be held as follows: Date of Sale Time of Sale Place of Sate You may attend the sale and bring bidders if you want The money that we get from the sale (after paying our costs, including reasonable attorney's fees and legal expenses if permitted by law) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. See How To Get Your Property Back for an itemization of amount owing. To team the exact amount you must pay, call us at the telephone number above. If you need more information about the sale call us at the telephone number above, or write us at the address above. If you want us to explain to you In writing how we have figured the amount that you owe us, you may call us at the telephone number above, or write us at the address above and request a written explanation. We are sending this notice to the following people who have an interest in the property described above or who owe money unde your agreement: 1) The buyer and any cobuyer named above; 2) Any dealer/original creditor named below; 3) If there are other people, they are named on an attachment sent With this notice. NOTICE OF REPOSSESSION The property is presently stored at: MANHEIM AUTO AUCTION 1190 LA PERTY BACK D MANN IM HOW TO GET YOUR PRO To get your property back, pay us this amount by certified check or money order before the vehicle is sold. Unpaid Balance $ 1477761 Plus Costs: Repo Expenses $ 385.00 $ $ Plus Late Charges $ 47.88 Less Finance Charge Rebate $ Less Insurance Premium Rebate $ TOTAL $ 15,210.49 (Plus expenses incurred if default at the time of repossession exceeded 15 days and less rebate received after the date of ttrs notice.) Your property won't be sold until 15 days after the date of this notice at the EARLIEST. After that you can still get if back any time before d's actually sold. If you do, well have no further claim on It. But the longer you wait, the more costs (including repairs) you may have to pay. If you have any questions about this, please call us. ? The property has been (or will be) returned to Under our agreement with your dealer/original creditor, the dealer/original creditor is to sell the property and paY you ( owe money oredltor) after the sale, you will pay it to the dealer/original creditor. airy money left over. If f you you owe money ? PERSONAL PROPERTY: Arty personal properly found in the vehicle may be reclaimed by you within the next 6o days or, in accordance with state law, by contacting this office. Thereafter, the personal properly shag be disposed of accordingly. ? Creditor has assigned to its qualified intermediary (OI Exchange, LLC ) its rights (but not its obligations) will respect to the sale of each vehicle listed above. PAYMENTS: All payments to us must be by certified check or money order. MILEAGE DISCLOSURE: If you are aware that the mileage reflected an the vehlo s odometer is not accurate for any reason, please contact us so that we can accurately report the vehicle's mileage. INSURANCE RIGHTS: If you don't want to get your property back, call the insurance company or the dealer/original creditor to make sure that any insurance has been cancelled. You have a right to get credit for all premium refunds. LEOLA M. MILLER FFNA 11 OW37 Jan 02 Prnpus editions may NOT be used. Panted in USA CUSTOMER/CUSTOMER FILE EXHIBIT . _ NdcMNumesr U0928120591822 MA-028094992 SHARON D. HOGE 307 WILLIS ST CAMBRIDGE MD 21613 928120591823 U -039882012 JASON CLARK 257 E COLLEGE AVE AF YORK PA 17403-2362 I 00928120591824 MA-035600919 BONNIE L. HAAS 696 HIGH STREET BERESSLER PA 17113 U0928120591625 P-039408549 GEORGIA MCCOY 102 PHILLIPS AVE RIVERHEAD NY 11901 ??? ? COD 11 ROOOrded Delivery (Inbmelbnel) 0d a cwdk awyfkaq of wmw4np, ? Delvery Coorirmadon O R rowed 0 ReWm Recelplfw MerMandlee 0000. ofw bm) U emu". Map G 8ipnae.e Loft awn Podlmarlr and ln"W Dale of-8000')X Mftue0 (NNM SV09 O'y fie, a DPCode) PO F ?a^d1p Adael Valor Ineure - _ Charge If Repko- VeAle 7005 1160 0003 4862 _ ___ 0153 5 1160 0003 4862 0160 7005 1160 0003 4962 0177 U0928/20591826 AW028723542 JANICE L. SMITH 7005 PO BOX 205 1160 0003 486i? NEOPIT WI 54150 0141. U0928120591821 I I I 1 BA-040348600 7005 1160 0003 4862 0207 TARA ZAUCK 6031 CANNON HILL ROAD d FT WASHINGTON PA 19034 ru C Q U0928/20591828 BA-035161910 700s 1160 O +. JAMES POWELL 0003 4862 0214 877 NORTH READING AVE BOYERTOWN PA t9512 _ 1160 0003 4862 See Privacy Act Statemanl on Reverse PS Farn13877, Febl* 2002 (Page 1 of 21 c" Ford Motor Credit Company P O BOX 31111 TAMPA FL 33631-3111 877 3495260 DATE: 2006-11-15 P07CSL00000047 JASON CLARK 126 N MIDDLESEX RD CARLISLE PA 17013-8493 STATEMENT OF SALE Account Number: 039882012 The following property has been sold. Year Make Model 2005 FORD FOCUS Vehicle Identification Number: 1 FAFP34N45W175181 Balance owing on your contract (1) $ 14,825.49 Deduct: Finance Charge Rebate (2) $ 0.00 Balance less Finance Charge Rebate (1 - 2) (3) $ 14.825.49 Deduct: gross proceeds of the sale (4) $ _8,500.00 Balance less gross proceeds of the sale (3 - 4) (5) $ 6,325.49 Add: Expenses of retaking and storing, and (6) $ 566 50 any attorneys' fees allowed by law, and . expenses of reconditioning and selling. Deduct: Insurance Premium Rebate (7) $ 0.00 Other: (6) $ 0.00 Deficiency** (9) $ 6891.99 Surplus* (10) $ N/A The Surplus/Deficiency will change based on monies received by us (credits) or additional allowed expenses & interest added to your account (debits). Surplus* or Deficiency** * If the sale resulted in a surplus, a refund for the difference will be mailed to you ** . If the sale resulted in a deficiency, you should immediately remit the amount shown on line 9 to the address for payments shown below. For additional information call or write: Mail deficiency payment to: Ford Motor Credit Company Ford Motor Credit Company P.O. BOX 6508 DEPT 194101 MESA ARIZONA 85216-6508 P.O. BOX X 55000 55 (800) 732-2264 DETROIT MI 48255-1941 IT FFNA11990 01/04 Previous editions may NOT be used. EXHIB (-b +L 0 .Q D -C ?a O _ ? i-; i SHERIFF'S RETURN - NOT FOUND ,CASE NO: 2007-06067 P COMMONTWEALTH OF PENNSYLVANIA ,. COUNTY OF CUMBERLAND FORD MOTOR CREDIT COMPANY LLC VS CLARK JASON R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT CLARK JASON but was unable to locate Him in his bailiwick. COMPLAINT & NOTICE , He therefore returns the the within named DEFENDANT 126 N MIDDLESEX RD CARLISLE, PA 17013-8493 LEGAL NOTICE ON DOOR THAT CLARK JASON NOT FOUND , as to OCCUPANCY IS PROHIBITED, DUE TO MERCURY. Sheriff's Costs: Docketing 18.00 Service 4.80 Not Found 5.00 Surcharge 10.00 So answers: R. omas Kline / Sheriff o Cumberland County 37.80 MAURICE & NEEDLEMAN 11/07/2007 Sworn and Subscribed to before me this day of A. D. MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 BY: Charlene Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7155 F MOTOR CREDIT COMPANY LLC, A WARE LIMITED LIABILITY PANY Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS Plaintiff, Case No. 07-6067 Civil Term V. JASON CLARK Defendant(s). PRAECIPE TO WITHDRAW COMPLAINT TO THE PROTHONOTARY: Kindly Withdraw the Complaint originally filed with the Court on 10/15/2007. MAURICE & NEEDLEMAN, P.C. BY: for Plaintiff Date: December 10, 2008 r7M ., X C