HomeMy WebLinkAbout99-00016t.L
a
,~
~d
i.
~'
a
'i ,~
~'
a
,~
~M-
yV
a
L~
~"
;~
3
1
~"
ti..
~~
.~_
,~
,;
'
,
,,
..a
-;
,,
I'
VALERIE ROSnNE#U2094ARK, ESQUIRE
Attornoy
MELVYN S MANTZ & ASSOCIATES, P.C
25 East State Street.
(2151 344-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATiOIdApla~tif f
VS
DENISE L. FINDLEYDefendant
0 T Y C ~
~ CUMBERLAND COUNTY
~ COURT OF COMMON PLEAS
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 thearance lpersonally or.1Cbyaan
served, by entering a wriCten apP
attorney and filing in writing with the CourtouyoYou darenwarned
roceed without- you and a
objections to the claims set forth agains
that if you fail to do so, the case may P without furt}ier
judgment may be entered against you by t}~e Court
notice for any money claimed in the Complaint or fOlosehemoneyior
or relief requested by the Plaintiff. You maY
property or. other rights important. to you.
YOU SHOULD TAKE THIS PAPER TO YOUk LAWYER AT ONCE. IF YOU DO
NOTIHAVSET ORTHRBELOW~TOOFIND OUT WHERECOYOUrOCAN GETTLEGALOHELPHE
oeF
d County Bar Association
Cumberlaz Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I,D. X172094
MELVYN S MANTL & ASSOCIATES, P.C,
25 East State Street
(215) 348-5200
Doylestown, PA 1H901
ATTORNEY FOR PLAINTIFF
FROVIDIAN NATIONAL BANK
Plaintiff
VS
DENISE L, FINDhEY
Defendant
, CUMBERLAND COUNTY'
COURT OF COMMON PLEAS
t
NO . ~ Q . l G ~ I .u.M.~
C I V I L A C T I O N
1. The Plaintiff is Providian National Bank, a national banking
aseociati.on located in Tilton, New Hampshire.
2. The Defendant is DENISE L. FINDLEY, an individual with a
place of residence located at 1960A FRY LOOP AVE., CARLISLE, PA
17013-0000.
3 At t:he request of the Defendant, Plaintiff issued to
Defendant a credit. account, account number 44294726'16206375 and at
all times relevant hereto, Defendant was tkae kiolder of said credit
e,ccount issued through Plaintiff's credit facilities.
4. The account that is the subject of the instant matter may
have been either a First Deposit National Bank account or a Providi.an
National B;~i;~: amount. As of Ja..nuary 1, 199H, Providian National Bank
was merged into First Deposit National Bank and the resulting entity
took the name "Provi.dian National Bank",
5. Under the terms and conditions of Exhibit "A", Defendant,
upon acceptance of Plaintiff's credit card, agreed to be bound by the
terms and conditions of Plaint-iff's revaluing credit plan agreement.
A true and correct copy of said agreement is attached hereto, made a
part hereof and marked Exhibit "A".
6. The Defendant subsequently received a cash advance-from
Plaintiff and/or purchased goods/services and incurred additional
obligations in the sum of $6,369.81, which has not bean paid in full
despite demand.
7. Notwithstanding the frequent demands by Plaintiff for payment
in full, the Defendant hae only made payments totalling $381.00.
8. Tn accordance with the terms of Exhibit "A", Defendant agreed
to pay the Plaintiff a. finance charge on all Burns due at an annual
percentage rate of 21.90 and Plaintiff is entitled to additional
finance charges from 04-27-98.
9. In accordance with the terms of Exhibit "A", Defendant agreed
to pay to Plaintiff. a reasonable attorney's fee if the account was
referred to an attorney far collection, and Plaintiff will incur an
attorney's fee in the amount of $1,273.00.
WHEREFORE, Plaintiff domanda judgment against the Defendant in
the sum of $6,369.81 plus interest from 04-27-98 plus attorney's fees
of $1,273.00 leas payment of $381.00 and costa of this action.
MELVYN S ~1"L/& ASSOCIATES; P.C.
VAL.RIF ROSENBLUTH PARK ES UIRE
Q
'?URSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS
REQUIRED THAT WE STATE. THF. FULLOWTNC, TO YOU: THIS IS AN ATTEMPT TO
COLLECT A DEBT. :ANY INFORMATION UATAINED WILL AE USED FOR THAT
PURPOSE.
STATE OF CALTFORNIA
COUNTY OF ALAMEDA
DAFFiLA ANYONE states that she/he is the Designated
Agent of Provi.dian National Bank and is authorized tc take this
affidavit on its behalf and that the facts set forth in the
foregoing complaint are true and correct to the beat of hex
information, knowledge and belief; that there i.a now due and owing
,from DENI9E L. FTNDLEY the sum of $6,369.61 plus interest and
attorney fees; and that there are no deductions or offsets of any
kind, except as are therein specified and credited. She further
understands that false statements .made herein are subject to the
penalties of 18 Pa.C.S. Section 4904, relating to unaworn
falsification to authorities,
Designated Agent
4428472676206375
~~,
Pewirban hlanenal Hmrk VISAt9 at MavlerCaruD rln:ounl ~~ ~ A A - -
A-taunt Aypumnanl for Oonvno 1. f~uellay f1
Plooso rovlow Ihm Gbeumnnl and keep d wnh your ether impodanl papers (hie Aeronnl Ar rnenurnl armtnris Pre Terms which govern your PreviNarl a Iona an t or as or zr Aarounl
(Olo'Accounl') The Accnunl allows you to make purrhasen by u:nng your VCLI or Masler~ard caul phe'Card') whenwor It ~5 honoree and to girl cash aManros Irnro us or any other parhapabn
fmanm+d msmuhon anA (vim Aulomalod idler hhrlnnr s Convonren~e r heck roar also bo prove JE.d In you a. ao a<Mihonal way I ° use Iho Accnunl In Ihls Agraomenl,'you' and'your' moon g
onch pegon for Whom wo have coaneU a crodd cud rA~r;oual Wa nr ' 'our vii 'us' nrmn f umdmn Mdllxml Hank ;r IL^ as, gnees as uslad an your pllhng slalomanl The Accnunl may ho
uaedonhy Inr persona), family, hoe ehold. anrt rharaabu pw~ a,. rind not for vty bu mess ur commmaal purf.ats Any uca d Iho Acoounl shall conslnule accoplaneo of Iho leans of This
Ayreemonl Ycu and wo agree as IallowY
Payments. You will rocowo a monPdy slalamem showing your autslnnding hsldneo paymnnl on This Accnunl m rnquirtxl In U i dollars (checks muss he payable al a U ; office of Iho bank Iho
cheek is drawn on) for al toast the paymanl duo as nhnwn oo your slnmmuul Dy Ina paymnnt duo r4do In arrordance wdh paynuml mstrvcllorer on your monthly stnlemanl Conuonlenco rhecks
and blher chocks wo Issue to you may not bo used ~o make paymonls on ycur Accnunl or to mnkq paymonls on any o0iar a~rougl you have wile us or our atGhzlos Iho pzymenl duo will bo 2°h
of the new balance shown on your slalamonl (or `L 2,6 II mr Annual Porcenlaya Rato applied to your Auvounl us higher Fran 21 9°ti) plu7 the amount of any past Uue pnymonl plus Iho amount by
whim Iha now balanre exceeds your credo lino Howavar, Iho paymanl due will not ba loss Ihan 515 (unless your now balanro a Ire ; than S 15 In whwh case Iho paymnnl due will bo Iha amount
of the now balance) II your Accnunl Is past duo or abovo Oro credo line. wo nray roquvo a hlyhur nummum paymnnt. tint via will notlhy you bolero rlomg so 11 your payment is morn Ihan Iha
paymnnl duo, II will bar Treated as a single paymanl and noon of tl will be apphod to lulum paymmrts' due. 'A'e msy accept tale ar partial paymonls. at prymoms markod'pm4 m full' or marked wdh
oPmr reslurllon^,. wllhoul loslny our right to collect all amaunis owing under Ihia Agranmenl
Credit ReVIeW: 9poclal Requlremont. In orrlor to keep your Acconnl m geed standing. you agree not to slgndlcanlly mroaee hW amount of ypa Iclal debt on unsecured revolvmy accounts We
will review your Aceounl zed eredd prchlo regularly to evnlualo the amount you rope rolalwn to the amount of yew Ihan current Interco (rAlo consider an increase In debt o(more Ihan S2 OCO lobe
siggnlficanl. unless you h:wo surhaenl income) II wo dulermine Thal your Acconnl s riot m good standing, your gNNUgL PERCENTAGE RATES (APR) far purchases, custom cash, ans~ cash
advances may bu Increase;)
Finance Charyes, F.xrept as described In Iha Greco Porlod for Purchasos sacllon of IhI; Agreomnnl, hrtdnce charges begin to accrue on a hahll when n Is included m ono of your daily balances
and wnlmue until Thal balance I5 reduced by a paymanl or credit Your amount has Ihveo balances the F urr;ha~c ala~p which consists of purchases you male; wnh your Card and lees for
cedmn oplwnal services the uslom CSLndv~ng ~Q, la~nrp, which consists of balancos Thal you Irtmslar to your Accnunl usury balance translor checks and balances Thal we Iransfer for you.
and the C,~tlAMangg~r]rp which consists of all other sash advances r1 ny paymnnl amount wo receive That exceeds Iha Onanco rhargys and foes than due will oidmanly bo applied firvl In
Iho Galante wdh the lowest Annual Percentage kale (Af R), until Thal Oalarrca Is taro, and Ihan to Iho Bahnen with Iho next lowest APR. until That Balance Is zero, and Ihon to any ramalning
Balanco Wo rr~serva OrA ngh~ o apply paymonls ddlomnlly wnhoul former notice The Purchase, Custom Cash ArNanca, and Czsh AMancs~ palancos are reduced by payments as of Iha Bala
received, and 6 credits exec I for ravoronls of Lalu over-hind and misuollanuous chargos) as of Iho dale polled f urchases aro Ioeludyd In your Ruchaso Balanco as of Iha dale made Custom
cash advances aro mrluded m ycur Cuslorn Oash hManco Balance as lollows funds oleclronmally Iransmalnd to other londors Ie Iransfer balancos, as of the dale Iraosmdled, chocks to Iransfer
balances as of the Bala presenlnd to us Other cash advanros are mcludnd In your Cash AManco Balance as lollows cash advances from other 6nanclal Insldullons and Through Aulomaled
Tellers, as of Iho dale made, cash aMaoco ohonks made payable to you that era rlonhhad as cashier's chocks and malleU to you al your request as of seven Jays after the dale we pool on Iha
check, alt ether chocks, as of Iho hole presented to us Usher debris (oxgepl for Isla oveohmlt hnanco and miscollanoous charges) are mcludnd m your Purchaso, Cuslorn wash Advance, or
Cash Advance Badancu as el Iho d<•de polled Flnanco chargos are added to your Purchase, Cullom Cash Advance and Cash AManco Falances each gay and aro Ihan {xsled on Iho last hey
of the billing cycle ihora is no grace period for custom rneh advaneos or other cash aMances
io figure Iho hvly Gnanca charge for purchases, Iha daily Ilnnnco charge for custom crh aMances, and the daily finance chmye for other cash advances, we start with your provwus clot+s
Purchaso Balanco. Cullom Cash Advance Balanco, and Cash AManro Balance, ackl all debits and subhacl all credits for the current day to Iho applicable Balance (as explained m the paragraph
abovo) and multiply Iho not arnounl by Iho epplcablo daily pouodlc rate (sae Iolowing paragraphs) The Gnanca charge for purchases Is Ihan added to and included In Thal day's Purchase
Balanco. Iho finance charye for custom rash nManres Is Ihan arkled to and mr,IUded m Thal day's Custom Cash AMance Balance. and Ina Onnce charge for other cash advances Is Ihan added
Ie and included m Thal hsy's Cash AManco Balance Wu Iraal a crahl balance for an day as zero 4`lu dotarmme fho hnanco chargos on your balancos for the Uilling cycle by adding lugelher the
fmanco charge for pgrrhasas for each by wtlhm Iho 6dbn9 cycle, Oro hnanco ehargo for custom cash aMances for each day wllhm Inn bilking cycle, rind the hnanco ehargo for other cash aMances
ter each clay within Iho bdhny cyan In calculating finance chargos, an adluslmenl will be maUo lo[ any flansacllon or paymnnl Thal would have alferled the hnanco charge ealeulahon in a prior
bdhng cycle had d boon polled In Thal cydo the appheabla daily ponodm mle for such a Iransachon will bo Iha rile In affect far Iha wrrent billing cydo rasher Ihan Iho tale m effect en Iho dale of
Iho Iransachon.
To dalermnm Iho average daily balance shown on your slalamonl for pwchasas, add each day's Purchase Balance (Includln9 Ually Gnanca charpo) m the billing cycle and divide by Iho number of
days In Ina 6ilhnr) cycle To determine Iho average holy balance shown on your slalamonl for custom cash azNancas, add oacL day's Cullom (Dash Advance Balance (ineludmy daily finance
charge) m Iho billing cydo and dvldo by the number of days m the hdllnq cycle To dolormmo Iha avaraye deny ba!aneo shown on your slalamonl for cosh advances, add onch day's Cash
AManro Balanco (includmy daily finance cMrgo) In the billing cydo and divide by the number oP days In Iha bilhny cycle You can mnlliply each of Ihesa avaraye daily balancos by Iho numt>ar of
days In the bdhng cyrla and by Ina apphcabla daily panedlc rata to obtain sublolals, and Ihon add the Three sublomis loyolher W dalarmino the total amount of hnanco charges en your balances Ter
the bilking cycle II a cash aManca Iransachon foe Is charged. Thal amount is also a hnanco charge
Tha term 'Prima Rale' as used In This Agrenmonl moans Iho highest puma tale published in Tho Wall Slroor Journal on Iha hrsl business day of the previous calendar month tiny increase or
decrease m a vanablo Annual Porcunlaye Rnle will Inko elfer,l on Iho lust day of your bilking cydo and may resell m o shyhl inereaso or decrease in fho amount of your mmlmum payntenl
Vou am arrange Ie have a vanablo tale (not below 5 9%) for purchases which Is lower Ihan Iho lowest nominlroduclery ANNUAL PERCENTAGE RATE (APR) you are paying on any of your other
crodll card or retell accounts This APR is available only If you provide proof, In the form of a copy of your most recent bilking slalarnent, showing your other nondnlroduelory APR 'lour new APR
will lake effect m the filling cydo (ollowmy our review of your proof, but not oa0ier Ihan Iho end of your mlroUuclory period Until your haw APR lakes eflecl, or If wit tlo not receive proof of your
lower APR, your APR for purchases will be as bliows Tice ANNUAL PERCENTAGE. RATE (APR) for purchases viol vary and may be adlusied oath bilking cycle up l0 7 4°b above Prime (tale,
but well In m event bo loss Ihon f5 9% Using Ins lormum, Iha APR fur purchases in the May 1998 billing cycle Is 15'la/°, corresponUing to a daily penodlr, rate of f) 04356%
You can mrange to have a varmblo qpR (not below 12 9°h) fur cusWm cash arrranras diet is lower Ihan the average nommlroduclory APR you havu boon paying on Iho total balances you havu
Imnslerred Irom other creNlcard- romd, and mstallmenl accamla pmmded yor^ ~Ihar accounts wore open In May 1998 In calculating tins APR via will lake into account the APRs on Iho medil
card balancos you havu Irans(erred Irom other londors ems APR is evadable only II you provirkl prcal, m Iho loan of copies ul your moss retool billing stalamanls, showing your other
nommlraluclory APRs Your now APR will take eflocl In Iha billmr cycle IolWwmr our review of your proof but not cattier than fho and of your mlraluclory porial If wo do not recewo such proof
your APR for cusWm casYl aMances will na as follows f he ANNI1gL PERCENTAGE RATE for custom ash atNances will vary and may he adprsled each bdhng cycle up l0 8 46°6 abovo Prime
Ralo, but will m nu even) be less Ihan 18 9ti°/ Using This formula- Pie APR for custom cash a ivancns m Iho May 1998 bdhng cycle is I6 46%, corresponding to a daily periodic rate of 0.CJ64"/9,.
The ANNUAL PERCENTAGE RATE for cash aMances Is 21 g%, cooasponding to e daily penrxJic rare 01006000%
II you ~ not comply wnh Iho forms of This Agmomanl your ANNUAL PERCENTAGE RATE (or purchases will be ? 19%. correspondrn9 to a doily panrxbr, tale of 0 06f,00%, and Iho APR for cash
aMances and custom cash aMances will fie 23 9%, ennospondmg to n daly panodlc rrm of 0 C654i3 is Your Aceounl may be allg~bla for Iha lower reyurx APRs alter you have mot Iho terms of
INS Agreement for Ihrou months If you contact us wu will review your Account to duloronne your ehgibihty ter Iho lower APRs
Once Porlod for Purchasos. New purchzsos p<isled to your M,coum In bdhng cycles wdh no proviars balance. ur when Iho previous balance was lolly pent during the cycle, do not begin Io Incur
a fmanco chafgo until Iho sled of Iho next hdluul cy Ic You well ply n ~ hmn p cMrg~ on uch nap purchases d you pay the total now bahncu m Tull by the pnymonl due +Wle shown on your
sldtemenl New purchases Watad m any otnar bdhng ::yde inrw run rn a hzei<- one Thera Is n„ penc7 m which sw:h purclmses may bo rnpmd wuhaut intoning a (nonce charge
Fees. Wo will charge your Accnunl up l0 5291or each Card you ~ k us L. r.{,I~ic n;h returned pxym: nt the ck. u h rh ,'k you vole on yew Ac vunl Oral via return unpaid, each stop payrnenl
ceder Jr mnewnl of sure mr order, onch bdhng cyul . wdmn wnn:h /our 4 .cool r; d tin µreol (lisle r contr. 1, -in I each Dnhng r,ycle wllnm wroth. your brit into exreads your crodll brie, oven If your
Aceounl is nlouod II you requecl epics of bdhng I-rlorn rill Thal W tt i hr-I seal I- y u more than ihr . + months o.irimr we may charge n handhnq tor. 0(52 for onch such ropy A cash aManco
fun ul J°k (minimum 45) may 6a charged for each ash nivanro Ir nbar h n made on your Aceounl
DalaulL You will bo m default II any udermalinn you provided us rr yr s lu t u me rrnpiata or untrue, d you J<~r not eompry valh any part el this Ayrevnranl, upon your death, bankruptcy, or
insolvency, II you tlo not pay other rk~bls when <ha If ~ b mhnarlcr pr lihon i lilac by ~r again-;l you a II we Lolovc m gctl fadh That roe may not pay or parWrm your obhgahons unrkr TMs
Agreom ml II yon ne In ~fekudl wo may wlh~sut Iurlhr.r rlnmsnd or n rll ~ anal trot Cnubl pnmleges. rkrlarr, your A,.c xuu Calancn immedisloly due and payable and use any remedy we may
nova In Iho event of your rlemult. Iho oulstandnul bamr¢e on your Attend ~.niall continua to u:crun uverosl al the hPR(s) disch)sFld In Iho Finance Chmges sucllnn of This Agreomenl, even If
via have (dad suit to ndllma Iho amount you owe
Credll Llne. You! credil'mr. c. 5perihed hom lento to hmn In a set iral- nshce 4'/c m it in,re ssa tt h r-r..ue your rcdn tin. bn~r 1 un mlormddion wr „blainen Irom you or your credit records
Your evadable r,relll i ncrrnalby !h. ddtamnnr taawean yo;u crndd tin nn) ys,u p r writ f nkm;a (In toeing henna h n. red!.. a lush sized nut ad y, I poslHd) If you Bond us a largo paymanl
chock via nLay hmll your avadaMe n.dil wlela we onhrm Thal the 1 k win .gear I x again Iran i I-~n, availahl_,,re iii ma7 c. It-;; Yon whl rid u,e ycur Aceounl tor, and via may roluse to
honor. any Iransachon which wool I cause you b~ c sea I your :wad rhl n~rla
IConhnua9 on reverse)(5845-0598) JJ, 84125/ti?drt?/!; ~"
koAllee fO Pay, Yau prvmrso to pay us when due all nmounls twrrowed whoa you or someone else use your AccquN (Dunn it Ina a:nounl chagad vxcoarG yew pannisaion), all other ~ •
Ireneachons AM char{;vs to yew AcCOtml, and collection cods we incur mcluNng. but not hnulu(1 In, rvasoneblo atlomay'a loos and rourl resls (II you win Ilw soil, wq will pay your reasonable
allgrney'n legs and court co^,1. I
Ohango. Aber via provide you any notice roGcurud by hiw via mny rhnnge any earl of Ilr~s Agnmmanl and arhl qr wmovo rnquinu^vnts d a cnangv rs mavu to the Plnance Charges sevhvn of
(his Ayreamenl, the nevi Gnnnca rharyv cakanafwn whf apply to your grrtinr Arnouril balnnro Irvin the elloclivv Bala of Iho ctianga Cnangos will apply Ie balances Thal
f14SQ4I!LbA~41U4.Qt114.g(~1f141mOAfl-end will appy whether nr not you conhnrre to um Iho Account ~~+-ILdClt.g'914f1.14 YAIIL
Ponlgn EachanSpelCmnncy Convawlon. II you use your Card for Vanauchons m a curroncy other Ihan U 5 Jolhus, the Iransaclions viii be convened to Us collars, gnnerally using either a (i)
govmnrnanl~manrlaled rata or (u) whvlesaly market rile m nllncl Ihq rkry bolero Ihq Vansachcn prar.osanul ~rsto urcredc;od Gy Irvo pvcnnl (5'%) II a credll is subsvyuanlly given for a Transaction, d
wdl be ckrmaved by the game parcvnlayo If Iho credo has a dillvrani prooossuul dale. Ihan Ilul exchange cure ul Thu rrgdu can be grcaWUtess Ihan Thal of the original Imnsactign the currency
convgrsioo mlq en Iho diy be~om Iho Irnnsnclion pr,x;gssiny dale may ddfm 6oni Iho pdu m elfgnl al Iho Iona of Iho Irmeachon or on Iho dale Ihv Imnsaclwn is posloU on your Account You
agree to accept Iho ronvndad nmounl in l! S dullarr
The Cud; Caneellallon. You may cancel your credll pnvlWyu, al any limo by nuhlym9 us m wuhng and daslroymy niu Card(s) Upon the Card axpuahan al the end of the month shown on rl, ue
IgsorVe Ore Hybl not to renew the Card Nlo may cancel the nerd and your cre~:hl pnvher es ttl any lime albsr 70 days nohcv to you or wnhoul nnlire it parnvlled by TAW 11 your Card is cancelled ur
not renewed, Imanro charger, and other labs well continua to bq assessed payments wi~l continue le be due and all other apphrable provisions of (his hgraemvnl well remain m alfecl II you
Igrmurale your credll prwilggos, ur if we rancol or ~b not mna~p Iho Carl, you may no lonyor virile checks on your Account. and you snvuld destroy any unused chocks we have Issued to you
Penanal Inlormatlon; Documenh. you will provide us al lariat 10 ~sys nohcc d you change your ranm home or mndmg addmss IAlophonv numbers vmploymenl or income Upon our
request, you will pwvidv us acklraonal Gnanaal informalian Wo resorvn Iho Hybl tv ohlmn inlorniption Iron ethers inchrdmy credll repelling ogonci9s, and to provide your adiress and mformalron
About your ACC9UIrl to others i(Y mny Tye shy!4¢rforrnapgl!.W!P111r411lliyl~ I~g4~vr YV~yWll2 us.Of~nLOlp~r4y In ~n s@,t@,ygd t~nlpr~r Inwtl ly r NI Ilyou
do not fulfil ypur c6hgahons unatt IMs~yroenivnl, a negative rredtl rv{wrt Inal mvy rv ecl vn your credll may bo submnlad Iv Iho credll reporting aganavs
Customer Services Unautharlaad Uaa, Loas, or ThoN of Checks or Iho Card. Each Card Hurst ho maned on receipt You are responmblo Wr salgguardrng Iho Card, yyour Personal Identihcahon
Number ('PIM1I', winch provides access to Autvmalod teller hlachmesl and any checks issued to you hem Ihgll, and keeping your PIP( separate Irom your Card II yyou drscovar or suFpecl Iho!
your Card. P!N, or any unused chocks nrv lollor stolen, or that Iharo maybe an unaunionzed Irrnsachon on your ArcmW you wi!I promptly nobly us by calling 1•AWA~J•7721 So we can
immvdialely act to limit losses and liabihl~, you well phony us• even (hough you may also notify us in wnliny four Imbility for unaulhonzed use ocminmg bglore you no6h/ us is limited to $50 II you
report or via suspect unaulhonzvd use n yvm Account, wv mny suspend your credll pnvnvgos until wq resolve Iho problem to our satisfaction w issue you a now Card If your Card is lost or
stolen, you well promptly destroy all chocks in your posvwsimr to unprovo customer service and socunty, you agree (hat your calls may Go momlored or recorded
Merehanl Rdatloro. Wo will not ba liable :I any parson or Aulomaled taller Machine rvhises to honor Iho Card or accept your chocks, or tails to retool Iho Card to you We have no responsibility
for goods and services purchased with Iho Card or chucks except as re~uued by law (See Spomal F2ulo below I Certain bonehts Thal nra avaaahly with Ihq Account are provided by Ihud~party
vendors Wv are not regponvhle for the quality, availabndy, or results o any of the services yell Gh005 0 10 119E
Stop Payment Orders. II you wish to slog payment on a chock, you may send us a slop payment uaWr by waling to us al our address for cuslomor source listed on yew slalemenl You c
mok9 a slop payment order orally by calling Ilia numWsr tisfed on your sWlemenl Whon you make a slop paymanl order, yyou must provide your AccmM number and specific mlormahvn abou
check the exact aniounl, Iho dale on Oie check Oro name of the party Iv whom it was payable Iho name of the person wfw signed il. and the check number. You will be asked to confirm en o
stop payment order m writiny _ myy dl9rEVitr~yqur qr I r r d.wq Qo p~roceao a s~r~~rtlLr~c r r~~on iltnn o;y59k I r r, or i(wa have not rocgived an adequate
descnption of the nom so Thal paymanl can bo slopped ~he vrrbr w-Tnot ba e ITectmo~ Iho c k was a y us 6olom wu had a ~o able rlunllp to act on the ardor. Wq may, without
II
abdr m
ry, d regard a wnllen stop payment ordm six months nllur roce~pl unless n is renewed in
9Andard of Coe. because (his Account nweMes both credll card and check Imnsactions which are prows Ihrouyh separate n tonal systems Goforo the Iransaclions are cnnsnlidaled by us,
and because not every chock and Cnrd slip wdl be sent W us, Iransaclrons in your Arcvunl whl be processed mgchanlcally wlhoul ou necessanly r9viewmg every Item Gur processinngg system wdl
cab our atlonlion to curtain Moms which via wtll examine We whl examine all Iransaclions when ou reper,~hal your Card or checks can lost or stolen. Wo do not Intend orrhnarily to
examine all Hems, and wo wtll not ba neyhgenl it we do not do so this rule aslablishos Ilia sl o of ycynary care which wo in g tll oxerasv in admimslenng your Account BeCAUS9
of oyr limited review, and because nadhvr your cancelled checks nor Card Imnsaclion slips viii olu you with the momhly sl a you sfwuld be careful to enter All cheeks in your
check regislAr qr olherwisa keep a record of Iharo You should also save your credo card cos anoB.r7(`1 purchase slips You a r o eckygyr monthly slalemonls anp n)~Jyouur record and
`n IY.lIS1r-[n~I1191Y 4Ca11! n r ~g~.l[ansauions qr errg~, ~ __ ~~
Waiver of Catfaln Rights. We mny delay or waive enforcemanl of any provision of (his Agre m r witlh3el losing our n 1 to or r any other provivor(laler. V~waiva,--Ilia nghl to
prasvntmenl, demand, protest, or notice of tlishonor. any a~hcable slAlule of hmdalions, and~ighl of ray have to r sell against anyone t>eWr9 bra ile amt etjainsl you
Appllca6la Law; SeverabllKy Aalgnmanl. Plo mailer wham you Iwo. (his Ayreamenl and ou rcowl•a v yovorned by ledgral law and by New Hampshire law Th14,Agreembnl is a final
expression of Iho ayreemenl between you and us and may not bo conlradmlvd by evidence o~llogvd oral agrovmgnt If any prarisron of This Ayreenrenl le held la ba mvaldgr Arlenlorceable,
you and we will conmdgr (hat provision maldied to conform to npphcablo law, and the rest of the provisions in Ihn Agre enl viol still a 9nlorcoablo AI any Lima oiler we delermm$iq good rank
Ihnt any proposAd or enacted legislation, regulatory action, or µuhcinl decision has renQared or may render any ial rovivons roemvnl invalid or unenforgeablo, or Impose an
Inrroased lax, reporting rggmromenl, or other burden in connection with any such provision or its vnforcemonl, ray; Ilgr al leas) rya olice to you, or wilhoN notice if pehPN 16yylaw,
cancel the Card and your Credit pnmleges We may transfer ul asvgn our nght to all or some of your paymenlsw w reAUfre , ou recvwe notice of such an wool to prol8~l ilia
purchaser or assignee, we may gwv you ouch nohcv by Thing a hnancmg slalemanl wuh Iho slabs Svcrelary of `~ - r
Notices. Olhar notices to you shall bq elleclrve when daposlled m Iho man arldrossed to yyou al Iho arklress show n r records, unl(s~a longer nohcapoirotl ra spav~ied in Ih•y A'ggreemenl or
by law, which paned shall start upon mailing Notirq to us shall by mailed to our a<klress for customer service nn your stalamgnl (or olhrseaddresses womay specify) and shalftxp oflechve when
we receive a
'.a ti
YOUR k11LLING RItlHTS -KEEP THIS NOTICE FOR FUTURE USE. ibis notice comams imponanl mlarmahon about your rights and our responsibildms under the ka8 CredMBiihng Acl
Nofity Us In Gse of Errors or Qucallona About Your Blld If you Think your bill is wrong, or it you need morn information about any Iransnchon on yyour bnl, wore us, on a separate sheet, al our
address for cuslomor service hsfed on your bill Wnle to us as soon as possible We muss hear Irom yyou ro later Ihan 60 days oiler wo aunt you Iho tirsl bill en whicli the error or problem
appeared You can lolephone us 6ul domy so will not preserve your rights In yew teller, yive us Ihv lollowiny informabon ~~ Your name and Account number ~• Thq dollar amount of the
suspected error - Desenbe Iho error and explain, it you can Why you behove Iharo is an error If you need more information descnbv the item you are not sure about.
Your NIgh6 and Our Reaponal6111f1aa offer We Necelve Vour WrlNen Notice We must acknowledge your 1911vr wnhm 70 clays, unlosx wv have correrled the error by Ihan Within 90 days,
we must either ronecl rho gror or explain why we believe the bill was conocl After we receive your lollor. via cannel Try to col!ecl any amount you question, or report you as rkhnquenl Wv tan
conlinuq to bill you (or the nmounl you question, inclucfing finance charges, and wo can apply any unpaid amount against your credit Imo You do not have to pay any questioned nmounl while we
are invesligaling, but you era still obtigaled to pay the parts cl your bbl Thal are not m question
Ilwe find Thal we macvt a mislAkv on your 6d1, you will nor have In pay err/ Gnanrv charge rglAted Ie any questiwned nmounl II we drdn'1 make a mistake, you may have In pay finance charges,
end you wdl have Iv make up Ihv missed payments on Ihq questioned amount In either case, via will sand you a slatemonl of the err ounlyDu owe and the dale Thal it is dug II you tail to pay the
flmount wA Think you owe wo may report you as demqugnl Howovor, if our explanalron dogs not satisfy you anti you viola to us within 10 days letiny us Thal you still relusa to pay, we must 1911
anyone we report you to Ihgl you quoshon your bdl end, we must loll you the name of anyone we reported you to We muss 1911 anyone we report you to Thal the manor has bean soll~ad'ouGvgen
us when it finally is 11 we don'( follow Ihesa rulev, wq cart I coller.l Ihv Grsl $50 0l the questioned nmounl, oven i(your bill was correct
Speeld Rule for Credlf Cud Purchesea. II you have a problem wnh Iho quality of the property or services Thal you purchased with our credll card and you have fried m good lank to correct the
problem with the mgrchanl, you may not have ID pay Iho remninmg amviml thrv on the goods or services there are Iwo hmilntions nn (his aghl (a) you must have made Ilia purchase in your
home stale, or if not wdhin your home slate, within 100 mites of your current mailing ardross, and Ib) Ihv purchase pace must have been more Ihan 950 These hmaalrons rb not apply it w9 own
or operate Ih9 merchant, or it via marled ymr the acWadrsomonl Inc Iho property or servmos
~q.~ .
SHERIFF'S RETURN - REGULAR
CASE N0~ 1999-00016 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
PROVIIIIAN NATIONAL BANK
VS.
FINDLEY DF~NTSE L
-~-~-~• _ Sherift ar Deputy Sheriff of
CUMBERLAND County, Pennsylvania, who being duly ewor•n aooarding
to law, ~sya, the within NOTICE A
.HPSiQMPLAIN_ T __, wa• served
upon _~INDLEY D -Nrc~ i
the..
defendant, at 17113 HOURS, on the 14th day of January
19~Q at 1960A FRY LOOP AVENUE _
QARLISLE. PA 1701 CUMBERLAND
County, Pennsylvania, by handing to ~F.NISE ~-- EINDLEY
a true and attested Dopy of the NCTICE ANU COMPLAINT
and at the same time directing ~~,attentinn to the contents thereat.
Sheriff's Coates 5o an ~,~~~
Ssrvioen9 13:000 .~~-s~r,.~,.~;~ .s..t,
Attidavit .00 ~~~
Surcharge 8.00 omas ne, er
t'19-i0'l1ELVYN MANTZ
01/19/1999 _
by
~-IIepu y er i!-
Sworn end subscribed to before me
thi^ ~9 ~'" day ofL/~,~,,,
19 9 99 A. D. T-~~_.
~~ ra nno'~ry
,~•
VALERIE ROSENBLUTH PARK
Attorney I,D, #72094
PARK LAW ASSOCIATES, P.C.
25 Eadt State Street
(215) 398-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
I HEREBY CERTIFY THAT THE
TRUE & CORRECT ADDRESS IS;
PLAINTTFF: 4940 Johnson Drive
Pleasanton, CA 94588
DEFENDANT: 1960A FRY LOOP AVE,
CARLISLE, PA 17013-0000
PROVIDIAN NATIONAL BANK. CUMBERLAND COUNTY
Plaintiff COURT OF COMMON PLEAS
VS
DENISE L. FINDLEY
Defendant NO. 99-16-CIVIL
PRAECIPE FOR ENTRY ~.JUDaME~T
TO THE PROTHONOTARY:
Kindly enter Judgment irr favor of the Plaintiff, Providian
National Bank, and against the Defendant, DENISE L. FINDLEY, in
accordance with the P,greement For Entry Of Judgment attached
hereto, and assess damages as follows:
AMOUNT OF JUDGMENT
PLUS ATTURLQEY FEES
LESS PAYMENTS MADE
Plus interest from 04-27-98
to 28 SAN 1999 at tha contract
rate of 21.90
TOTAL
$6,369.81
$1,273.00
$1,631.00
$1,551.68
$7,563.49 plus costs
PARK LAW ASSOCIATES, P.C.
f_
BY.
VAL IE ROSENBLUTH PARK
Attorney far the Plaintiff
PURSUANT 'PO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS
REQUIRED THAT WE STATE THE FOLLOWING TO YOU: THIS IS A2d ATTEMPT TO
COLLECT A DEBT, ANX INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE,
~.~
VALERIE RUSENIILUTH PARK, ESQUIRE
Attorney T.D. X72094
PARK LAW ASSOCIATES, P.C.
25 East State SL-reet
(215) 398-5200
Doy.leetown, PA 18901
ATTORNEY FOR PL~AINTTFF
PROVIDIAN NA'PIONAL BANK „' t CUMBERLAND COUNTX
Plaintiff COURT OF COMMON PLEAS
VS .
AENISE L. FTNDLEY .
Defendant ; NO. 99-16-CIVIL
AtlRESMF~NT FOR E1~jTRY OF JSJDOMENT
AND NOW, this /~ _ day of ~., 1999, it is hereby
agreed between the parties that the Clerk o Courts enter Judgment i.n
this action in favor of Plaint.ff, Providian National Bank, and against
Defendant, DENISE L.. FINDLEY fo.r the amount of claim 6,369.81 plus
attorney fees $1,'?,73.00 plus interest at the contract rate of. 21.90$
from 04-27-98 less payments of $381.00 plus costs.
PAP.K LAW ASSOCIATES, P.C.
~-~'' J
BY;
VAL IE ROSENBLUTH PARK, ESQUIRE
ATTORNEX FOR PLAINTIFF
DENLSE L. FINDLEY /~
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
WILL BE U5ED FOR THAT PURPOSE,
/"
-~
~" . .
. ~ _ .. _t
1,
i
VALERIE ROSENBLUTH PARK
Attorney I.D. #72094
PARK LAW AS90CIATES, P.C.
25 East ,State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK CUMBERLAND COUNTY
Plaintiff COURT OF COMMON PLEAS
VS .
DENISE L. FINDLEY
Defendant ~ N0. 99-16-CIVIL
N O T I C E
Pursuant to Ru].e 236 of the Supreme Court of Pennsylvania, you are
hereby notified that a, Judgment has been entered against you in the above
proceeding as indicated below:
( x ) Judgment by Agreement
( ) Money Judgment
( ) Judgment in Replevin
( ) Judgment in Possession
( ) Judgment on Award of Arbitration
( ) Judgment on Verdict
( ) Judgment on CourC Findings
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
Park Law Asaociatea, P.C. at this telephone number: (215)
348-5200.
PROTHONOTARY:
PUR5LTANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS
REQUIRED THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL 8E USED FOR THAT
PURPOSE.
VALERIE ROSE,NHLUTH PARK, ESQUTRE
AT1'0RNEY I.D. #7?094
PARK LAW ASSOCIATES, P.C.
25 E. STATE STREET
DOYLESTOWN, PA 18901
(215 346-5200
ATTORNEY FOR PLAINTIFF
CUD038RLAND COUNTY COIIRT OF COIQ[ON PL191e8
Providian National Bank
PLAINTIFF
vs.
DENISE L. FINDLEY
DEFENDANT N0. 99-16CIVIL
TO
TO THE PROTHONOTARY:
Kindly mark the above oaptioned matter satisfied upon payment
of your costs.
.PARK LAW ASSOCIATES, P.C. _
BY • (f l..i~
VALERIE ROSENBLUTH PARK, ESQUIRE
.. .. _
. - ,. ~ 1
5
.. - - S.
~. is
`.-
n
l!!
<~ _ ,. ~
?-
t°r
`
'' ~_
f
~J1~.~ (
~ C
~y
i
.'-, i
~T~i.. N
"
~
~~~~~! Cia ...
i~
1l
`
P
. - ~
'. U ~
s
i