HomeMy WebLinkAbout08-3616
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
VS.
RAPHAEL NIBA
CiV i 1 ('?'-r"m
Defendant
NO. 6$ - 3401 to
: CIVIL ACTION -LAW
NOTICE TO DEFEND
Pursuant to PA RCP No. 1018.1
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 the 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. 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 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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
(717)249-3166
1-800-990-9108
Document #: 180057.1
EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND,
PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES NO.
CREDIT UNION,
Plaintiff
VS.
RAPHAEL NIBA
Defendant : CIVIL ACTION -LAW
AV I S O PARA DEFENDER
Conforme a PA Num. 1018.1
USTED HA SIDO DEMANDO(A EN LA CORTE. Si usted desea defender conta la
demanda puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias
despues que esta Demands y Aviso es servido, con entrando por escrito una aparencia
personalmente o por un abogado y archivando por escrito con la Corte sus defenses o objeciones
a las demandas puestas en contra usted. Usted es advertido que si falla de hacerlo el caso puede
proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mss aviso
por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado
por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante para usted.
USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED
NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA
AQUi ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACI6N DE COMO
CONSEGUIR UN ABOGADO.
SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE
PROVEERE INFORMACI6N ACERCA AGENCIAS QUE PUEDAN OFRECER
SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O
GRATIS.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
(717)249-3166
1-800-990-9108
Document #: 180057.1
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION, .
Plaintiff
VS.
RAPHAEL NIBA
Defendant
NO. OF- 3` /G Ci?j 7Z
CIVIL ACTION -LAW
COMPLAINT
AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and
through its attorneys, Van Eck & Van Eck, P.C. and states the following cause of action and in
support thereof, avers as follows:
1. Plaintiff, Pennsylvania State Employees Credit Union, is a financial institution
qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place
of business situate at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania.
2. Defendant, Raphael Niba, is an adult individual with a last known address of 9 E
Glenwood Drive, Camp Hill, PA 17011.
3. Defendant is, and at all relevant times material hereto has been, the primary loan
applicant.
4. Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor
vehicle.
5. The loan application submitted by Defendant was approved by Plaintiff and
Defendant signed a Loanliner Advance Proceeds Check for the purchase of the vehicle. A true
and correct copy of said Loanliner Advance Proceeds Check is attached hereto, incorporated
herein and marked as Exhibit "A".
Document #: 180057.1
6. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "A",
Defendant agreed to the terms and conditions of the extension of credit as set forth in the
Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and
correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated
herein and marked as Exhibit "B".
7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms
and conditions of the Contract marked as Exhibit "B".
8. Various charges and payments were made by Defendant on the account.
9. The vehicle purchased by Defendant was involved in a motor vehicle accident.
10. The Plaintiff was never able to retrieve the vehicle due to an issue with the towing
company.
11. Plaintiff did not receive any insurance money for the vehicle.
12. Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's account.
13. Plaintiff has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
14. Defendant has not objected to any of the monthly statements of account submitted
by Plaintiff to Defendant.
15. Despite Plaintiffs reasonable and repeated demands for payment, Defendant has
failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan
account balance, all to the damage of Plaintiff.
Document #: 180057.1
16. As of June 13, 2008, the balance due, owing and unpaid on Defendant's loan
account with Plaintiff is the sum of Fifteen Thousand Seven Hundred Forty-Four Dollars and
81/100 ($15,744.81).
17. Pursuant to the terms and conditions of the extension of credit contained in the
Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on
the principal loan balance.
18. Due to the default of the Defendant and pursuant to the terms and conditions of
the Contract attached as Exhibit "B", attorney's fees in the total amount of Three Thousand One
Hundred Seventy-Three Dollars and 96/100 ($3,173.96) have been added to the account.
19. Any and all conditions precedent to the bringing of this action has been performed
by Plaintiff.
20. The amount in controversy is within the jurisdictional amount requiring
compulsory arbitration.
Document #: 180057.1
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully
requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant,
Raphael Niba, in the amount of Eighteen Thousand Nine Hundred Eighteen Dollars and 77/100
($18,918.77), plus interest, the costs of this action, and such other relief as the Court deems just
and proper.
Respectfully submitted,
VAN ECK & VAN ECK, P.C.
By. A d' ? w (Y'
&-V
Melissa L. Van Eck, Esquire
Attorney I.D. No. 85869
P.O. Box 6662
Harrisburg, PA 17112
717.540.5406
Document #: 180057.1
VERIFICATION
I, Gregory R. Diffenderfer, Manager of the Pennsylvania State Employees Credit Union
verify that the statements made in the aforegoing document are true and correct. I understand
that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to
unswom falsification to authorities.
Pennsylvania State Employees Credit Union
By:
Title:
Date: U- I W" U b
EXHIBIT «A,s
i
I ,
7
1
ADVANCE PROCEEDS VOUCHER
AND SECURITY AGREEMENT
Pennsylvania State
Employees Credit Union
P. O. Box 67013
PSECO Harrisburg, PA 17106-7013
(717) 234-8484
the financial finkTM (800) 237-7328
MEMBER NAME ONTE MEMO ACCOUNT NUMBER NOTE NUMBER
RAPHAEL NIBA 3/14/2006 8402722055 / L10 520451
8 MARSHALL
CAMP HILL, DR APT 7J
PA 17011 PURPOSE,
Dealer Purchase
TRANS
TYPE 1 ACTION
1.
[]
NEW LOAN
2 ?
LOOPEN*ENO
AN ADVANCE S.
?
OTHER
(DESCRIBE) 4.
0
EOUMII'Y ADVANCE
YOU HAVE PREVIOUSLY ELECTED TO HAVE THIS ADVANCE CREDIT DISABILITY
INSURED WITH THE FOLLOWING COVERAGE YES ? NO
DANLY PdNODIC RATE ANNUAL PER. INTEREST RATE IS AMOUNT REQUESTED
CHANGE IN TERMS ONLY) a OTHER CHARGES
CENTAGE RATE FIXED VARIABLE +
.016411 5.990 % [3 I ? i 15,665.0
SINGLE CREDIT LIFE V
YES ? NO OX
15,665..00i 0.00
JOINT CREDIT LIFE
YES ? NO a
259.57
4/13/2006
MONTHLY
15,665.00
?,ECIJRITY OFFERED
IF THIS *TA MDME EOU rY ADVANCE. THE ONLY SECURmI FOR THOS ADVANCE IS THE REAL PROPERTY (NH MOST CASES YOUR HOME) WHIICHYOU HAVE AS SECURITY WHEN Y1wR AC ODUNT
WAS ESAeI.ISFiED.
IF THHS IS NOT A HOME EQUITY ADVANCE, IN ADDITION TO THE PLEDGE OF SHARES IN YOUR LOANUNER' CREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURES THIS ADVANCE.
ITEM PROPERTY MODEL YEAR LA NUMBER TYPE VALUE
I. HONDA CIVIC 2005 2HGES16315H60159 SDN 15,800.00
2.
4. OTHER
YOU PLEDGE SNARES AND/OR DEPOSITS OF $ IN ACCOUNT NUMBER
OLD ACCOLNITA.oAN NUMBER A PAYOFF (PRINC.. NJT OLD ACCOU TA.OAN NUMBER B) PAYOFF (PRINC. + NT.) OLD ACCOUNTA.OAN NUMBER (C) PAYOFF MAINC. + INT.
OLD ACOQUINITILOAN NUMBER (D) PAYOFF PRINC. + NT.) OLD ACCOUNTA.OAN NUMBER (E) PAYOFF (PRINC. + INT.) OLD AOCOUNTILOAN NUMBER PAYOFF (PRINo. 4 INT.)
By accepting the proceeds or by using the funds advanced and deposited into your share/share draft account, you agree (1) that the property referenced above
WE secure the advance and any other advances you have now or receive in the future under the LOANUNER• Credit and Security Agreement (the Plan) and
any other amounts you owe us for any reason now or In the tulure in accordance with the terms of the Plan and (2) to make payments as disclosed above In
accordance Vvkh the terms of the Plan.
0 GUM MUTUAL GROUP 19M 82. 14. B, N. 90. 99.2000.01.01, ALL RIGHTS RESERVED PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM $3175 JVXX0100.1 037-2002.1 (4104)
SECURITY AGREEMENT
In this agreement all references to Credit Union, we, our, or us means Pennsylvania
State Employees Credit Union and anyone to whom the Credit Union assigns the Credit
Agreement which will be referred to as the Plan. All references to you, your, and
borrower mean each person who signs this agreement. All references to the advance
mean the amount in the box labeled Amount Advanced. This is a multi-state document
which may be used to lend to borrowers in all states except Louisiana and Wisconsin.
1. THE SECURITY FOR THE LOAN - By signing this security agreement in the
signature area or under the statement referring to this agreement,which is on the back
of the check you receive for the advance; you give us what is known as a security
interest in the property described in the Security Offered section on the reverse side.
The security interest you give includes all accessions. Accessions are things which are
attached to or installed in the property now or in the future. The security interest also
includes any replacements for the property which you buy within 10 days of the
advance or any extensions, renewals or refinancings of the advance. It also includes
any money you receive from selling the property or from insurance you have on the
property. If the value of the property declines, you promise to give us more property
as security 4 asked to do so.
2. WHAT THE SECURITY INTEREST COVERS - The security interest secures the
advance and any extensions, renewals or refinancings of the advance. it also secures
any other advances you have now or receive in the future under the Plan and any other
amounts or loans, including any credit card loan., you owe us for any reason now or
in the future, except any loan secured by your principal residence.. If the property is
household goods as defined by the Federal Trade Commission Credit Practices Rule,
the property will secure only the advance and not other amounts you owe.
3. OWNERSHIP OF THE PROPERTY -You promise that you own the property or
if this advance is to buy the property, you promise you will use the advance for that
purpose. You promise that no one else has any interest in or claim against the
property that you have not already told us about You promise not to sell or lease the
property or to use it as security for a loan with another creditor until the advance is
repaid. You promise you will allow no other security interest or lien to attach to the
property either by your actions or by operation of law.
4. PROTECTING THE SECURITY INTEREST - If your state issues a title for the
property, you promise to have our security interest shown on the title. We may have
to file what is called a financing statement to protect our security interest from the
claims of others. If asked to do so, you promise to sign a financing statement. You
also promise to do whatever else we think is necessary to protect our security interest
in the property. You promise to pay all, costs, including but not limited to any attorney
fees, we incur in protecting our security interest and rights in the property, to the
extent permitted by applicable law.
5. USE OF PROPERTY - Until the advance has been paid off, you promise you will:
(1) Use the property carefully and keep it in good repair. (2) Obtain our written
permission before making major changes to the property or changing the address
where the property is kept. (3) Inform us in writing before changing your address. (4)
Allow us to inspect the property. (5) Promptly notify us if the property is damaged,
stolen or abused. (6) Not use the property for any unlawful purpose.
6. CONSUMERS' CLAIMS AND DEFENSES NOTICE - The following paragraph
applies only when the box an reverse side is checked.
NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS
SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD
ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED
WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE
DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR
HEREUNDER.
7. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property
insurance on all property that you give as security under the Plan. You may purchase
the property insurance from anyone you choose who is acceptable to the Credit Union.
The amount and coverage of the property insurance must be acceptable to us. You
may provide the property insurance through a policy you already have, or through a
policy you get and pay for. You promise to make the insurance policy payable to us
and to deliver the policy or proof of coverage to us if asked to do so.
If you cancel your insurance and get a refund, we have a right to the refund, if the
xoperty is lost or damaged, we can use the insurance settlement to repair the
)roperty or apply it towards what you owe. You authorize us to endorse any draft or
.heck which may be payable to you in order for us to collect any refund or benefits
tue under your insurance policy. You also promise to pay all taxes and fees (like
............?.-e.?.v -nrtr-nm nu rtlr net/L`.DCC Ornr IC QfiffT nc rull
registration fees) due on the property.
If you do not pay the taxes or fees on the property when due or keep it insured, we may
pay these obligations, but we are not required to do so. Any money we spend for taxes,
fees or insurance will be added to the unpaid balance of the advance and you will pay
interest on those amounts at the same rate you agreed to pay on the advance. We may
receive payments in connection with the insurance from a company which provides the
insurance. We may monitor our loans for the purpose of determining whether you and
other borrowers have complied with the insurance requirements of our loan agreements
or may engage others to do so. The insurance charge added to the advance may include
(1) the insurance company's payments to us and (2) the cost of determining compliance
with the insurance requirements. If we add amounts for taxes, fees or insurance to the
unpaid balance of the advance, we may increase your payments to pay the amount
added within the term of the insurance or approximate term of the advance.
8. NOTICE - if you do not purchase the required property insurance, the insurance
we may purchase and charge you for will cover only our interest in the property. The
insurance will not be liability insurance and will not satisfy any state financial
responsibility or no fault laws.
9. DEFAULT -You will be in default if you break any promise you make under this
agreement. You will also be in default if you are in default under the Plan. If you are
pledging property, but have not:signed the Plan, you will be in default if anyone is in
default who has signed the Plan.
10. WHAT HAPPENS IF YOU ARE IN DEFAULT - The following paragraph applies
to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine,
Massachusetts, Missouri, Nebraska, South Carolina and West Virginia: When you
are in default and after expiration of any right you have under applicable state law to
cure your default, we can require immediate payment of your outstanding balance
under the Plan without giving you advance notice.
The following paragraph applies to borrowers in all other states: When you are in
default, we can require immediate payment (acceleration) of what you owe under the
Plan and take possession of the property. You waive any right you have to demand for
payment, notice of intent to accelerate and notice of acceleration.
The following paragraphs apply to all borrowers:
You agree the Credit Union has the right to take possession of the property without
judicial process if this can be done without breach of the peace. if we ask, you promise
to deliver the property at a time and place we choose. We will not be responsible for
any other property not covered by this agreement that you leave inside the property
or that is attached to the property. We will try to return that property to you or make
it available to you to claim.
After we have possession of the property, we can sell it and apply the money to any
amounts you owe us. We will give you notice of any public sale or the date after which
a private sale will be held. Our expenses for taking possession of and selling the
property will be deducted from the money received from the sale. Those costs may
include the cost of storing the property, preparing it for sale and attorney's fees to the
extent permitted under state law or awarded under the Bankruptcy Code. The rest of
the sale money will be applied to what you owe under the Plan.
If you have agreed to pay the advance, you will also have to pay any amount that
remains unpaid after the sale money has been applied to the unpaid balance of the
advance and to what you owe under this agreement. You agree to pay interest on that
amount at the same rate as the advance until that amount has been paid.
11. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE AGREEMENT - We can
delay enforcing any of our rights under this agreement any number of times without
losing the ability to exercise our rights later. We can enforce this agreement against
your heirs or legal representatives. If we change the terms of the Plan, you agree that
this agreement will continue to protect us.
12. CONTINUED EFFECTIVENESS - If any part of this agreement is determined by
a court to be unenforceable, the rest will remain in effect.
13. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE-
THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO
REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL
AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU
MAY HAVE TO PAY THE DIFFERENCE.
14. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to tail to
return a motor vehicle that is subject to a security interest, within thirty days after you
have received notice of default. The notice will be mailed to the address you gave us. It
is your responsibility to notify us if your address changes. The maximum penalty for
unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000.
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EXHIBIT "B"
9
PSECO Pennsylvania State Employees Credit Union
PO. Sox 67013 • Harrisburg, PA 17106-7013 • (717) 234-8464 Harrisburg, (800) 237.7328 Nationwide
the financial links
Loan Disclosures
I This LOANLINER• Credit and Security Agreement, which includes the Truth in
I Lending Disclosures, will be referred to as the Plan. The Plan documents include this
agreement and an Addendum. You, your and borrower mean any person who signs
the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit
Union transfers its rights under the Plan.
HOW THIS PLAN WORKS - This is an open-end, multi-featured credit plan. We
anticipate that, from time to time, you wilt borrow money (called 'advances') under
the Plan. We are not required to make advances to you under the Plan and can
refuse a request for an advance at any time. The Addendum describes the
different types of credit (called 'subac counts') available under the Plan, the current
Interest rate for each subaccount expressed as a daily periodic rate and
corresponding annual percentage rate and other charges. It may also have other
terms and a schedule for determining the payment amounts.
CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain
subaccounts. If a credit limit is set for a subaccount, you promise not to exceed the
established credit limit. If you exceed the credit limit, you promise to repay
immediately the amount which exceeds the credit limit.
REPAYMENT -You piroa»ss-to-spay ail amounts you owe under the Plan plus
interest. Payments are due on the last day of the month unless we set a different day
at the time of an advance. If the Addendum has no payment schedule for a
subaccount, your payment will be determined at the time of each advance.
Payments must include any amount past due and any amount by which you have
exceeded any credit limit you have been given for a subaccount. You may repay all
or part of what you owe at any time without any prepayment penalty. Even it you
prepay, you will stiff be required to make the regularly scheduled payments unless
we agree in writing to a change in the payment schedule. If you have a joint
sharedraft account, you will be responsible for paying all overdraft advances
obtained by a joint holder of the sharedraft account. Unless otherwise required by
law, payments will be applied to amounts owed under the Plan, in the manner the
Credit Union chooses.
PLAN ACCESS -lhiu can obtain credit advances in any manner authorized by us. If
we allow you to use your ATM/Debit card to access the Plan, you may be Gable for the
unauthorized use of your ATM/Debit card. You will not be Gable for unauthorized use
that occurs after you notify us, orally or in writing, of the loss, theft, or possible
unauthorized use. If you believe your ATM/Debd card has been lost or stolen,
immediately inform the Credit Union by calling or writing us at the telephone number or
address ftt appears elsewhere in the Plan. It the card is used to obtain unauthorized
advances drecdy from the Plait, your liability will not exceed $50. If the unauthorized
withdrawal is from a shays" account, your liability is governed by the Regulation E
lures you received at the time you received your ATM/Debit card, even it the
withdrawal results in an advance being made from your overdraft subeccouni.
FINANCE CHARGE -- The dollar amount you pay for money borrowed is called a
"finance charge' and begins on the date of each advance. A finance charge will be
computed separately for each separate baigWe under the Plan. To compute the
finance charge, the unpaid balance for each day since your last payment (or since
an advance if you have not yet made a payment) Is multiplied by the applicable daily
periodic rate. The sum of these amounts is the finance charge owed. The balance
used to compute the finance charge is the unpaid balance each day after payments
-artdtredilsto first balm K;v how been subtractedanttany-addittorM td the balarK:
have been made. In addition to interest, we may charge other finance charges which
are disclosed on the Addendum. 11 the interest rate is a variable interest rate, the
Addendum explains how the variable interest rate works.
SECURITY -You pledge as security for the Plan all shares and dividends and, if any,
all deposits and interest In all joint and individual accounts you have with us row and
in the future. If a specific dollar amount is pledged for an advance, we will freeze
shares in that account to the extent of the outstanding balance for the advance.
Otherwise, your pledged shares may be withdrawn unless you are in default. The
following paragraph applies in all states except In Ohio, Rhode Island and
Massachusetts: We have a statutory lien on the shares and dividends and, if any, the
deposits and interest in all individual and joint accounts you have with us and may
exercise our rights under rte lien to the extent permitted by state law. (We are state
chartered it our name does not include the term 'Federal Credit Union.") For all
borrowers: The statutory lien and/or your pledge will allow us to apply the funds
In your account(s) to what you owe when you are In default. The statutory lien and
your pledge do not apply to any Individual Retirement Account or any other account
that would lose special tax treatment under state or federal law if given as security.
Additional security for the Plan may be required at the time of an advance. If a
subaccount identifies a type of property (such as "New Cars") you must give that
type of property as security when you get an advance under that subaccount. A
subac count name such as 'Other Secured' means you must provide security
acceptable to us when you obtain an advance under that subaccount. Property you
give as security will secure all amounts owed under the Plan and all other loans you
have with us now or in the future, except any loan secured by your principal dwelling.
Property securing other loans you have with us may also secure the Plan.
CUM MUTUAL GAOCP 19110. 20006. ALL RIGHTS AESERVEO O MM
CREDIT INSURANCE - Credit life and/or credit disability insurance is optional
under the Plan. If you qualify for and purchase the insurance from us, you authorize
us to add the insurance premiums monthly to your loan balance and charge you
interest on the entire balance. If you elect credit insurance, your payments may
increase or the period of time necessary to repay your advance may be extended.
The credit insurance rates may change during the Plan. If the rates change, we will
provide any notices required by applicable law.
PERIODIC STATEMENT - On a regular basis you will receive a statement showing
all transactions under the Plan during the period covered by the statement.
Statements and notices will be sent to you at the most recent address you have
given us in writing. Unless applicable law requires notice to each joint borrower,
notice to any one of you will be notice to all.
JOINT ACCOUNTS - if this is a joint account, each of you is individually and jointly
responsible for paying all amounts owed. That means we can enforce out rights
under the Plan against any one of you individually or against aft of you together. It you
give us inconsistent instructions, we can refuse to follow your instructions. Unless our
written policy requires all of you to sign for an advance, each of you authorizes the
other(s) to obtain advances individually and agrees to repay advances made to the
other(s). Any joint accountholder may terminate the Plan by giving us prior written
notice. If any of you terminate the Plan, the Plan is terminated for all of you. You
remain liable individually and jointly for all advances incurred before termination.
FEES AND CHARGES - It you give us a secutRy interest in certain types of
property, we may charge you a filing fee to perfect our-interest In the property. It we
do, the amount of the fee will be disclosed to you at the time you obtain an advance.
We may also charge you other fees in connection with the Plan. Our current fees are
disclosed on the Addendum and will be added to your loan balance unless you pay
them In cash.
UPDATING CREDIT INFORMATION -You promise that you will promptly give us
written notice if you move, change your name or employment, or if any other
information you provided to us changes. Upon our request, you also agree to
provide us updated financial information.
DEFAULT - The following paragraph applies to borrowers In Idaho, Kansas,
Maine and South Carolina: You will be in default N you do not make a payment of
the amount required when it is due. You will also be in default If we believe the
prospect of payment, performance, or realization on any property given as security
is significantly impaired.
The following paragraph applies only to borrowers in W isconsin: You will be in
default if you fail to make a payment when due two times during any 12 month
period. You will be in default if breaking any promise made under the Plan materially
impairs your ability to repay what you owe or materially impairs the condition, value,
or protection of or our righ%iin any property you gave as security.
The following paragraph applles only to borrowers In Iowa: You will be in
default if you are more than 10 days late in making a payment. You will also be in
default if you do not comply with the terms of the Plan and your failure to comply
materially impairs any property you gave as security or your ability to repay what you
owe under the Plan.
_The fbllowing psrsgr8p1)_app.W to borrowers In all other states: You will be in
default if you do not make a payment of the amount required when it Is due. You will
be in default if you break any promise you made under the Plait or if anyone is in
default under any security agreement made In connection with an advance under
the Plan. You will be in default if you de, file for bankruptcy, become insolvent, it you
make any false or misleading statements in any credit application or update of credit
information, or if something happens we believe may substantially reduce your
ability to repay what you owe. You will be in default it any property you have given
us as security Is repossessed by someone else, seized under a forfeiture or similar
law, or it anything else happens that significantly affects the value of the property or
our security interest in it. You will also be in default under the Plan if you are in default
under any other loan agreement with us.
ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in
Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri,
Nebraska, South Carolina and West Virginia: When you are in default and after
expiration of any right you have under applicable state law to cure your default, we can
demand immediate payment of the entire unpaid balance under the Plan without
giving you advance notice.
The following paragraph applies to borrowers in all other states except Wisconsin
and Louisiana: When you are in default, we can require immediate payment
(acceleration) of the entire unpaid balance under the Plan. You waive any NM you have
to demand for payment, notice of intent to accelerate and notice of acceleration.
The following paragraphs apply to borrowers In all states except Wisconsin and
Louisiana. It immediate payment is demanded, you will continue to pay interest until
what you owe has been repaid at the applicable interest rates in effect or, if applicable,
CPSM01 PSECU FORM $3146
LOANLINEW Credit and Security Credit Agreement (continued)
at the default rate disclosed on the Addendum. If a demand for immediate payment
has been made, your shares and/or deposits can be applied towards what you owe
as provided in the section above called "Security.' We can also exercise any other
rights given by law when you are in default.
You agree the Credit Union has the right to take possession of any property given
as security under the Plan, without judicial process, if this can be done without
breach of the peace. If we ask, you promise to deliver the property at a time and
place we choose. If the property is a motor vehicle or boat, you agree that we may
obtain a key or other device necessary to unlock and operate it, when you are in
default. We will not be responsible for any other property. not covered by this
Agreement, that you leave inside the property or that is attached to the property. We
will try to return that property to you or make it available for you to claim.
After we have possession of the property, we can sell it and apply the money to any
amounts you owe us. We will give you notice of any public disposition or the date after
which a private disposition will be held. Our expenses for taking possession of and
selling the property will be deducted from the money received from the sale. Those
costs may include the cost of storing the property, preparing it for sale and attorney's
fees to the extent permitted under state law or awarded under the Bankruptcy Code.
You must pay any amount that remains unpaid after the sale money has been applied
to any unpaid balance under the Plan. You agree to pay interest on that amount at the
same rate as the advance, or, if applicable, at the default rate disclosed on the
Addendum, until that amount has been paid.
The following paragraph applies onty to Wisconsin borrowers: When you are in
default and after expiation of any right you have under applicable state law to cure your
detaut. we may require immediate payment of your outstanding loan balance under the
Plan and seek possession of property given as security. You may voluntarily give the
property to us it you choose, or we may seek to take possession of the property by
judicial process. If we repossess the property, you agree to pay reasonable expenses
incurred in disposing of the property. If the proparty is a motor vehicle, mobile home,
trailer, snowmobile, boat or aircraft, you will also be required to pay any costs permitted
by Section 422.413 of the Wisconsin Statutes. You must pay any amount that remains
unpaid after the sale money has been applied to what you owe under the Plan. You
agree to pay interest on any unpaid amount at the same rate as the advance, or, if
applicable, at the debut rate disclosed on the Addendum, until that amount is paid.
If the property is located outside Wisconsin at the time of default, we may take
possession of the property without judicial process, if permitted by the state where
the property is located.
The following paragraph applies only to Louisiana bortowen: When you are in
default, we can require immediate payment (acceleration) of the entire unpaid
balance under the Plan.You waive any right you have to demand for payment, notice
of intent to aecelimte and notice of acceleration. If Immediate payment is
demanded, you wig continue, to pay interest until what you owe has been repaid at
the approsible Interest rates In effect unless a default rate is disclosed on the
Addendum It a demand for immediate payment has been made, the shares and
deposits given as security for the Plan can be applied towards what you owe. We
can also exercise arty other rights given by law when you are in default and our
rights under arty security agreements you have with us.
CANCELLING OR CHANGING THE PLAN - The lollowirrg paragraph applies
only to bomwers In Ilgnoils: We have the right to change the terms of the Plan from
time to time after giving you arty advance notice required by taw. Any change to the
interest rate or other charges will apply to future advances.
The following paragraph applies only to borrowers In Wisconsin: We can
change the terms of the Plan from time to time in accordance with Section 422.415
of the Wisconsin Statutes. You will be ratified of any change in terns. An increase
in the dabyy periodic rate under a variable rate interest rate is not considered a
change in terms under the Plan. We can cancel the entire Plan or any part of the
Plan at arty time. You may cancel the Plan at any time by giving us prior written
notice. Your obligation to pay the unpaid balances under the terms of the Plan
continues whether you or the credit union cancel the Plan, except to the extent that
your liability is limited by Section 422.4155 of the Wisconsin Statutes.
The following paragraph appllea only to borrowers in Iowa: We can change the
terms of the Plan from time to Orne after giving you any advance notice required by
law. A change that increases the rate of finance charge or other charge, that
increases the amount of your payments, or that otherwise adversely affects existing
balances will apply to existing balances only it you agree to the change or you use
the Plan after receiving notice that your use of the Plan means you agree the
change applies to existing balances.
The following paragraph applies to borrowers in all other states: We have the
right to change the terms of the Plan from time to time after giving you any advance
notice required by law. Any change in the interest rate will apply to future advances.
and at our discretion and subject to any requirements of applicable law, will also
apply to unpaid balances.
The following paragraph applies to all but Wisconsin borrowers: An increase in
the daily periodic rate under a variable interest rate is not considered a change in
terms under the Plan. We can cancel the entire Plan or any part of the Plan at any
time. You may cancel the Plan at any time by giving us prior written notice. Your
obligation to pay the unpaid balances under the terms of the Plan continues whether
you or the Credit Union cancel the Plan.
DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN -We can delay
enforcing any of our rights under this Plan any number of times without losing the
ability to exercise our rights later. We can enforce this Plan against your heirs or
legal representatives. If we change the terms of the Plan, you agree that this Plan
will continue to protect us.
CONTINUED EFFECTIVENESS - If any part of this Plan is determined by a court
to be unenforceable. the rest will remain in effect.
NOTICE TO UTAH BORROWERS - This written agreement is a final expression of
the agreement between you and the Credit Union. This written agreement may not
be contradicted by evidence of any oral agreement.
The following is inquired by Vermont taw - NOTICE TO CO-SIGNER - YOUR
SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE
FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY,
THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
The following paragraphs apply if you give security in connection with an
advance under the Plan.They apply to borrowers In all states except Louisiana.
Louisiana borrowers will execute a separate security agreement. Borrowers In
other states may also be asked to execute a separate security agreement.
THE SECURITY FOR THE PLAN - You give us what is known as a security
interest in all property described in any receipt, voucher or other document you
receive for an advance ("the Advancel. The security interest you give includes all
accessions. Accessions are things which are attached to or installed in the property
now or in the future. The security interest also includes any replacements for the
property which you buy within 10 days of the Advance or any extensions, renewals
or refinancing of the Advance. It also includes any money you receive from selling
the property or from insurance you have on the property. If the value of the properly
declines, you promise to give us more property as security if asked to do so.
WHATTHE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS
-The security Interest secures the Advance described in the receipt, voucher or any
other document you receive at the time of the Advance and any extensions, renewals
or refinancings of the Advance. h also secures any other advances you have now
or receive in the future under the Plan and anir-other amounts or loans,
including any credit card loan, you owe us for any reason now or In the future,
except any loan secured by your principal residence. If the property is household
goods as defined by the Federal Trade Commission Credit Practices Rule, the
property will secure only the Advance and not other amounts you owe.
OWNERSHIP OF THE PROPERTY - You promise that you own all property you
give as security or it the Advance is to buy the property, you promise you will use
the Advance for that purpose. You promise that no one else has any interest in or
claim against the property that you have not already told us about. You promise not
to sad or lease the property or to use it as security for a loan with another creditor
until the Advance is repaid. You promise you will allow no other security interest or
lien to attach to the property either by your actions or by operation of law.
PROPERTY INSURANCE, TAXES AND FEES - You must maintain property
Insurance on all property that you give as security under the Plan. You may purchase
the property insurance from anyone you choose who is acceptable to the Credit
Union. The amount and coverage of the property insurance must be acceptable to
us. You may provide the property insurance through a policy you already have, or
through a policy you get and pay for. You promise to make the insurance policy
payable to us and to deliver the policy or proof of coverage to us lt asked to do so.
If you cancel your insurantA and get a refund, we have a right to the refund. If the
property is lost or damaged, we can use the insurance settlement to repair the
property or apply it towards what you owe. You authorize us to endorse any draft or
check which may be payable to you in order for us to collect any refund or benefits
due under your insurance policy. You also promise to pay all taxes and fees (like
registration fees) due on the property.
it you do not pay the taxes or fees on the property when due or keep it insured, we may
pay two obligations, but we are not required to do so. Any money we spend for taxes,
fees or insurance will be added to the unpaid balance of the advance and you will pay
interest on those amounts at the same rate you agreed to pay on the advance. We may
receive payments in connection with the insurance from a company which provides the
insurance. We may monitor our bans for the purpose of determining whether you and
other borrowers have complied with the insurance requirements of our loan agreements
or may engage others to do so. The insurance charge added to an advance may include
(1) the insurance oompanys payments to us and (2) the cost of determining compliance
with the insurance requirements. If we add amounts for taxes, feas or insurance to the
unpaid balance of an advance, we may increase your payments to pay the amount
added within the term of the insurance or approximate term of the advance.
INSURANCE NOTICE - If you do not purchase the required property insurance,
the insurance we may purchase and charge you for will cover only our interest in the
property. The premium for this insurance may be higher because the insurance
company may have given us the right to purchase insurance after uninsured
collateral is lost or damaged. The insurance will not be liability insurance and
will not satisfy any state financial responsibility or no fault laws.
PROTECTING THE SECURITY INTEREST - It your state issues a title for the
property, you promise to have our security interest shown on the title. We may have
to file what is called a financing statement to protect our security interest from the
claims of others. if asked to do so, you promise to sign a financing statement. You
also promise to do whatever else we think is necessary to protect our security
interest in the property. You promise to pay all costs, including but not limited to any
attorney fees, we incur in protecting our security interest and rights in the property,
to the extent permitted by applicable law.
LOANLINER' Credit and Security Credit Agreement (continued)
USE OF PROPERTY - Until the Advance has been pad off. you promise you will:
(1) Use the property carefully and keep it in good repair. (2) Obtain our written
permission before making rnaior changes to the property or changing the address
wnere the property is kept. (3) Inform us in writing before changing your address. (4)
Allow us to inspect the property (5) Promptly notify us it the property is damaged.
stolen or abused. (o) Not use the property for any unlawful purpose (7) Not to retitle
property in another state without telling us.
NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE
- THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO
REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE,
AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN
THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE.
NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail
to return a motor vehicle that is subject to a security interest, within thirty days after
you have received notice of default. The notice will be mailed to the address you
gave us. It is your responsibility to notify us if your address changes. The maximum
This notice contains important information about your rights and our responsibilities
under the Fair Credit Billing Act. You are advised to read your monthly statement
and review it for any error discrepancies or unauthorized transactions.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR
STATEMENT. If you think your statement is wrong, or if you need more information
about a transaction on your statement, write us on a separate sheet at the address
listed on your statement. You are required to notify us in writing within 60 days
following the date on which we sent your statement wherein the error or problem
first appeared regarding any discrepancy or unauthorized transactions on your
account. Failure to notify us may result in your acceptance of any responsibility for
payment or reimbursement to us for any such error or discrepancy on your account.
Write to us as soon as possible. You can telephone us, but doing so will not
preserve your rights.
In your letter, give us the following information:
Your name and account number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the ftem you are not sure about.
0 you have authorized us to pay a credit card account automatically from your share
account or checking account, you can stop the payment on any amount you think is
wrong. To stop the payment your letter must reach us three business days before the
automatic payment is scheduled to occur.
YOUR RIGNtS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE • We must acknowledge your letter within 30 days, unless we
have corrected the error by then. Within 90 days, we must either correct the error or
wiplain why we believe the statement was correct.
In this Agreement, the words you and your means each and all of those who apply
for the card or who signs thus Agreement. Card means the Visa Credit Card and any
duplicates and renewals we issue. Account means your Visa Credit Card Line of
Credit account with us. We, us, and airs means this Credit Union.
..1,. RSS you,*oapd. you allime PaYsMdebtrendthe
Finance Charge arising from the use of the card and the card account. For example,
you are responsible for charges made by yourself, your spouse and minor children.
You are also responsible for charges made by anyone else to whom you give the
card, and this responsibility continues until the card is recovered. You cannot disclaim
responsibility by notifying us, but we will dose the account for new transactions if you
so request and return all cards. Your obligation to pay the account balance continues
even though an agreement, divorce decree or other court judgment to which we are
not a party may direct you or one of the other persons responsible to pay the account.
The cards remain our property and you must recover and surrender to us all cards
upon our request and upon termination of this Agreement.
2. LOST CARD NOTIFICATION - It you believe the card has been lost or stolen,
you will Immediately call the Credit Union at (717) 234-8484 or (800) 237.7328. After
hours cad (800) 556-5678.
i 3. LIABILITY FOR UNAUTHORIZED USE - You agree to notify us immediately, orally
or in writing of the loss, theft or unauthorized use of your Credit Card. You may be liable
for the unauthorized use of your Credit Card. You will not be linable for unauthorized use
that occurs after you notify us of the loss, theft or possible unauthorized use. You will have
no liability for unauthorized purchases made with your Credit Card, unless you are grossly
negligent in this handling of your Card. In any case, your liability will not exceed $50.
4. CREDIT LINE - If we approve your application, we will establish a self-
replenishing Line of Credit for you and notify you of its amount when we issue the
card. You agree not to let the account balance exceed this approved Credit Line. Each
payment you make on the account will restore your Credit Line by the amount of the
payment which is applied to the principal. You may request an increase in your Credit
penalty for unlawful failure to return a motor vehicle is one year in prison and/or a
fine of $150.000.
For those members who purchase a vehicle under the
DRIVe Program, please review the following FTC Notice:
NOTE
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT
IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
THE DEBTOR COULD ASSERT AGAINST THE SELLER
OF GOODS OR SERVICES OBTAINED WITH THE
PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE
DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE
DEBTOR HEREUNDER.
After we receive your letter, we cannot try to collect any amount you question, or report
you as delinquent. We can continue to send statements to you for the amount you
question, including finance charges, and we can apply any unpaid amount against your
credit limit. You do not have to pay any questioned amount while we are investigating,
but you are stiff obligated to pay the parts of your statement that are not in question.
If we find that we made a mistake on your statement, you will not have to pay any
finance charges related to any questioned amount. It we didn't make a mistake, you
may have to pay finance charges, and you will have to make up arry missed
payments on the questioned amount. In either case, we will send you a statement
of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as delinquent.
However, it our explanation does not satisfy you and you write to us within ten days
telling us that you still refuse to pay, we must tell anyone we report you to that you
have a question about your statement. And, we must tell you the name of anyone
we reported you to. We must tee anyone we report you to that the matter has been
settled between us when it finally is.
If we don't fallow these rules, we can't collect the first $50 of the questioned amount,
even If your statement was correct.
SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with
the quality of property or services that you purchased with a credit card, and you
have tried in good faith to correct the problem with the merchant, you may have the
right not to pay the remaining amount due on the property or services. There are two
limitations on this right: (a) You must have made the purchase in your home state or,
if not within your home state, within 100 miles of your current mailing address; and
(b) The purchase price must have been more than $50.
These limitations do not apply if we own or operate the merchant, or if we mailed
you the advertisement for the property or services.
Line only by written application to us, which must be approved by out credit committee
or loan officer. By giving you written notice we may reduce your Credit Line from time
to time, or with good cause, revoke your card and terminate this Agreement Good
cause includes your fare to comply with this Agreement or any other agreement with
us or our adverse neeuekastit?not_YOUC..ccedfMroNtiness.you.m?r..alsQ tarminata.thfs
Agreement at any lime, but termination by either of us does not affect your obligation
to pay the account balance.
5. CREDIT INFORMATION - You authorize us to investigate your credit standing
when opening, renewing or reviewing your account, and you authorize us to disclose
information regarding your account to credit bureaus and other creditors who inquire
of us about your credit standing.
6. MONTHLY PAYMENT - We will mail you a statement every month showing your
Previous Balances of purchases and cash advances, the current transactions on your
account, the remaining credit available under your Credit Line, the New Balances of
purchases and cash advances, the Total New Balance, the Finance Charge due to date,
and any other billed fees, and the Minimum Payment required. Every month you must pay
at bast the Wiramum Payment within 25 days of yoke statement closing date. By separate
agreement you may authorize us to charge the minimum payment automatically, to your
share or checking account with us. You may, of course, pay more frequently, pay more
than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the
finance charge by doing so. It your monthly payment exceeds the total credd fine balance
owed, we will automatically post the credit to your S1 shares.
The minimum payment will be (a) 2% of your Total New Balance, rounded up to the
next even dollar, or (b) $20.00, whichever is greater. In addition, at any time your Total
New Balance exceeds your Credit Line, you must immediately pay the excess upon our
demand. We will apply payments in the following manner: first to previous late fees,
then to previous cash advances finance charges, then to previous purchase finance
charges, then to current late fees, then to previous cash advance balances, then to
previous purchase balances in the order that they were posted to your account, then
to current cash advance balances. and then to current purchase balances. j
Visa- Credit Card Agreement and Truth In Lending Disclosure (continued)
7. FINANCE CHARGES - You can avoid the Finance Charge on purchases by
paying the full amount of the New Balance of Purchases each month within 25 days
of your statement closing date. Otherwise, the New Balance of Purchases, and the
subsequent purchases from the date they are posted to your account, will be subject
to Finance Charge. Cash advances are always subject to Finance Charge from the
date they are posted to your account.
Purchases: We calculate your finance charge by multiplying the average adjusted
daily balance (see explanation below), including new purchases, for the billing cycle
by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE
RATE as disclosed on the Addendum.
Cash Advances: We calculate your finance charge on cash advances by
multiplying the average adjusted daily balance (see explanation below) for cash
advances during the billing cycle by the monthly periodic advance rate and
corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum.
Balance Computation Method
Average Daily Balance for Purchases - The Average Daily Balance for Purchase
Transactions is calculated by adding the Daily Balances (Purchase Transaction) for
each day in the billing cycle, and then dividing by the number of days in the billing
cycle. To calculate the Daily Balance for purchases each day, we take the following
steps: We take the outstanding balance (all amounts you owe) at the start of the day.
Then, in the sequence in which amounts are posted to your account. we add the
amounts of all debits and subtract the amounts of all credits or payments which post
to your account that day. After applying payments and credits, we subtract the
amount of arty unpaid Finance Charges or Late Charges. Then we also subtract the
amount of any Cash. Advance transactions that posted to your account on that day or
in any previous day In the Wing cyde. This gives us the Daily Balance for purchases.
Average Daily Balance Ibr Cash Advances - Cash Advance Transactions which are
posted to your account are not Included in the Average Daily Balance calculation for
purchases, and are therefore not subject to the monthly periodic rate for purchases. The
Average Daily Balance is calculated separately for Cash Advances and is subject to the
Cash Advance Monthly Periodic Rate. The Average Dally Balance for Cash Transactions
is calculated by adding the Daily Balances (Cash Transaction) for each day in the billing
cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily
Balance for cash each day, we take the following steps: We take the outstanding balance
(all amounts you owe) at the start of the day. Then, in the sequence in which amounts
ate posted to your account, we add the amounts of all debits and subtract the amounts
of all credits or payments which past to your account that day. After applying payments
and credits, we subbad the amourd of any unpaid Finance Charges or Late Charges.
Than we also subtract the amount of any Purchase Transactions that posted to your
account on that day or in any previous day in the bitting cycle. This gives us the Daily
Balance for Cash Advance Transactions. Note: Cash Advances are always subject to
finance charges and from the day they are posted to your account.
Paym" are applied in the following manner: first to previous late fees, then to
previous casts advances finance charges, then to previous purchase finance
charges, then to current late fees, then to previous cash advance balances, then to
previous purchass balances in the order that they were posted to your account, then
to current cash advance balances, and then to current purchase balances. Credits
are applied first to the particular type of debt which is being credited, if any, and then
to the balance of your account
Note also that it the total of the payments and credits which are posted to your
account by the Payment Due Date shown on a statement is equal to or exceeds the
New Balance shown on that statement, we win not apply the Monthly Periodic Rate
to your Account on your next statement.
S. DEFAULT -You will be in default it you fail to make any Minimum Payment within
25 days after your monthly statement closing date. You authorize us to transfer funds
sufficient to make the minimum payment due 0 your Visa ban Is in default. You will
also be in default 0 your ability to repay us Is materially reduced by a change in your
employment. an increase in your obligations, bankruptcy or insolvency proceedings
involving you, your death or your failure to abide by this Agreement, or if the value of
our security interest materially declines. We have the right to demand immediate
payment of your tug account balance 9 you default, subject to our giving you any
notice required by taw. To it* extent permitted by law, you will also be required to pay
our collection expenses, including court costs and reasonable attorney fees.
9. USING THE CARD - To make a purchase or cash advance, there are two
alternative procedures to be followed. One is for you to present the card to a
participating Visa plan merchant, or another financial Institution, and sign the sales
or cash advance draft which will be imprinted with your card-The other is to complete
the transaction by using your Personal Identification Number (PIN) in conjunction
with the card in an Automated Teller Machine or other type of electronic terminal that
provides access to the Visa system. You agree that you will not use your card for any
transaction that is illegal under applicable federal, state, or local law. The monthly
statement will identity the merchant, electronic terminal or financial institution at
which transactions were mane, but sale, cash advance, credit or other slips cannot
be returned wish the statement. You will retain a copy of such slips furnished at the
time of the transaction in order to verity the monthly statement. The Credit Union may
make a reasonable charge for photocopies of slips you may request.
10. OVERDRAFT OPTION - If you elect to overdraft to your PSECU Visa Credit
Card, that election is subject to the existing credit limit and the agreement it represents
and the current loan policy at the time of the overdraft. You also understand that an
overdraft will be considered the same as a cash advance on your PSECU Visa Credit
Card and that the current Annual Percentage Rate for cash advances will apply.
11. RETURNS AND ADJUSTMENTS -Merchants and others who honor the card
may give credit for returns and adjustments, and they will do so by sending us a
credit slip which we will post to your Visa line of credit. If your credit and payments
exceed what you owe us, we will automatically post the excess credit balance to
your S1 Shares within 75 days. If the balance is one dollar or more, upon your
written request, we will refund the credit balance to you.
12. FOREIGN TRANSACTIONS - The exchange rate between the transaction
currency and the billing currency used for processing international transactions is a rate
selected by Visa from the range of rates available in wholesale currency markets for the
applicable central processing date, which rate may vary from the rate Visa itself
receives, or a government-mandated rate in effect for the applicable central processing
date. In each instance, an adjustment may be assessed based on the tSA fee imposed
by Visa. This fee, which totals 11% of the transaction amount, will be assessed on all
transactions where the merchant country differs from the country of the card issuer.
13. SPECIAL RULES FOR VISA PURCHASES - If you disagree or find an error
with a Visa transaction, and have tried in good faith to correct the problem with the
merchant or the charges are the result of unauthorized or fraudulent use, or your
purchase cost more than $50 and was made from a plan merchant in your state
within 100 miles of your home, contact PSECU.
14. DISPUTED TRANSACTIONS - You are required to notify PSECU in writing
within 60 days lotiowing the date on which we sent your statement wherein the error
or problem first appeared regarding any discrepancy or unauthorized transaction on
your account. Telephoning PSECU does not presef %p your dispute rights. You may
be required to provide us with documentation to support your dispute claims. In
addition. you may be required to complete a standard dispute form outlining the
details of your dispute. In cases of fraudulent card use, PSECU will also require a
notarized affidavit. In some cases we may ask you to notify the local authorities.
It we do not receive the proper requested documentation in the time specified you
may be held responsible for the transaction(s) in question. PSECU must adhere to
strict dispute timetrames set forth by Visa,
15. SECURITY INTEREST - To secure your account, you grant us a purchase
money security interest under the Uniform Commercial Code in any goods you
purchase through the account. If you default, we will have the right to recover any of
these goods which we have not been paid for through our application of your
payments in the manner described in the Monthly Payment section. With respect to
this account only, we will not assert any statutory right we may have if you are in
default to prevent withdrawal of your unpledged credit union shares (Deposits)
below the unpaid balance of your account However, if you give or have given us a
specific pledge of your credit union shares (Deposits) by signing the Pledge of
Shares or otherwise, or any other security interests for all your debts, your account
will be secured by your pledged shares (Deposits) and by the property described in
those other security agr , nts, except for your home.
16. EFFECT OF AGREEVENT - This Agreement is the contract which applies to
all transactions on your account even though the sales, cash advance, credit or
other slips you sign or receive may oxttain different terms. We may amend the
Agreement from time to time by sending you the advance Written notice required by
law. Your use of the card thereafter will indicate your agreement to the amendments.
To the extent the law permits, and we indicate in our notice, amendments will apply
to your existing account balance as well as to future transactions.
17. LATE PAYMENT CHARGE - It your Minimum Payment is not received by the
first day of the month following your due date, you will be subject to a $20 charge.
18. RUSH FEES -You may incur additional charges for rush processing and rush
delivery of cards and/or PIN mailer.
19. OVER LIMIT FEE - A $20 fee will be applied for each monthly statement dosing date
on which the outstanding balance exceeds the assigned credit limit by more than $100.
20. DRAFT COPIES - You may incur an additional charge for transaction
summary/sale draft documentation.
21. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement.
22. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use
your card for any transaction that is illegal under applicable federal, sate, or local law.
23. NO USE - Inactive Visa accounts that have no purchase or cash activity may
be closed without notice to you after 18 months of no activity.
24. NEURAL NETWORK - PSECU uses neural network systems to predict and
prevent unauthorized transactions. There may be occasions when a transaction is
declined because it is indicative of possible fraudulent activity.
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SHERIFF'S RETURN - REGULAR
CASE NO: 2008-03616 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLdYEES
VS
NIBA RAPHAEL
RONALD E HOOVER Sheriff or Deputy Sheriff of
Cumberland County,Penns].lvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
NIBA RAPHAEL
the
DEFENDANT
at 001 55 HOURS, on the 23rd day of June 2008
at 9 E GLENWOOD DRIVE
CAMP HILL, PA 17011 by handing to
NEVILLE LEBGA COUSIN - ADULT IN CHARGE
a true and attested copy, of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 1$.00
Service
Affidavit 1.00
,.00
Surcharge 1b.00
.00
v 4.00
Sworn and Subscibed to
before me this d*y
of
So Answers:
0001" -7
R. Thomas Kline
06/24/2008
VAN ECK & VAN ECK
By: Deputy Sheriff
A. D.
PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS
CREDIT UNION, : CUMBERLAND COUNTY,
: PENNSYLVANIA
Plaintiff
NO. 08-3616 Civil Term
VS.
RAPHAEL NIBA
Defendant CIVIL ACTION -LAW
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff and against Defendant, Raphael Niba for want of
ANSWER TO COMPLAINT.
(X ) Assess damages as follows:
Debt -----------------------------------------------------------------$15,744.81
Attorney's Commission ------------------------------------------- $3,173.96
Filing costs ---------------------------------------------------------- $to be determined
TOTAL --------------------------------------------------------------518.918.77 plus costs
( X ) I certify that the foregoing assessment of damages is for specified amounts
alleged to be due in the complaint and is calculable as a sum certain from the complaint.
( X ) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I
certify that a copy of this praecipe has been mailed to each other party who has appeared in the
action or to his/her Attorney of Record.
( X ) Pursuant to Pa.R.C.P. 237. 1, I certify that written notice of the intention to file
this praecipe was mailed or delivered to the party against whom judgment is to be entered and to
his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the
date of the filing of this praecipe and a copy of the notice is attached.
DATE: -? " Signature:
Melissa L. Van Eck, Esquire
Attorney for Plaintiff
7810 Allentown Blvd., Suite B, Hbg., PA 17112
(717) 540-5406
. ID#: 85869
NOW, 3 f 3 , 2009, JUDGMEN S ENTERED AS ABOVE.
Pr thonotary
/C evil ivision
By:
Deputy
PENNSYLVANIA STATE EMPLOYEES:
CREDIT UNION,
Plaintiff
VS.
RAPHAEL NIBA
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 08-3616 Civil Term
CIVIL ACTION -LAW
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF DAUPHIN
I, Henry W Van Eck, Esquire, being duly sworn according to law, depose and say that I am
the Attorney for the Plaintiff in the above-captioned matter, and that to the best of my
knowledge, information and belief Defendant, Raphael Niba, above named, is not a
corporation and is not an adult individual under the age of 21 years of age; is not in the military
service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and
Sailors' Civil Relief Act of Congress of 1940 and its Amendments.
VAST ECK & VAN ECK, P.C.
By: UVkAM
iffeery(8 Van Eck, Esqu
Attorney I.D. No. 83087
P.O. Box 6662
Harrisburg, PA 17112
717.540.5406
Attorney for Plaintiff
Sworn and subscribed to
before me this cD day
of March 09
jjw
Notary Public NOTARIAL SEAL
MELISSA L VANECK
Notary Public
WEST HANOVER TWP, DAUPHIN COUNTY
My Commission Expires Mar 22. 2011
v '
PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS
CREDIT UNION, : CUMBERLAND COUNTY,
: PENNSYLVANIA
Plaintiff
NO. 08-3616 Civil Term
VS.
RAPHAEL NIBA
Defendant CIVIL ACTION -LAW
TO: RAPHAEL NIBA
9 E Glenwood Drive
Camp Hill, pA 17011
DATE OF NOTICE: July 15, 2008
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE,
A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU
MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS
OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGHBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
(717)249-3166
1-800-990-9108
1
By: 4,
Melissa L. Van Eck, Esquire
Attorney I.D. No. 85869
P.O. Box 6662
Harrisburg, PA 17112
717.540.5406
Attorney for Plaintiff
J
S
c.n
si • ?
PENNSYLVANIA STATE EMPLOYEES:
CREDIT UNION,
Plaintiff
VS. ,
RAPHAEL NIBA
Defendant
TO: Raphael Niba, Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 08-3616 Civil Term
CIVIL ACTION -LAW
You are hereby notified that on 140h 3 I did-7 , the following
(Order) (Degree) (Judgment) has been entered against you in the above captioned case for your
failure to file an answer to the complaint. A Judgment in the total amount of $18,918.77 plus
costs is hereby entered.
DATE: 3 j __]? I ?/ 9
Prdthonot
I hereby certify that the name and address of the proper person(s) to receive this notice is:
Raphael Niba
9 E Glenwood Drive
Camp Hill, PA 17011
A: Raphael Niba, Defendant, Defendido/a (Defendidos/as)
Por este medio se le esta notificando que el de
del , el/la siguiente (Orden) (Desrete)
(Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe.
FECHA:
Prothonotario
Certifico que la siguiente direccion es la del defendido/a segun indicada en el certificado
de residencia:
Raphael Niba
9 E Glenwood Drive
Camp Hill, PA 17011
PENNSYLVANIA STATE EMPLOYEES:
CREDIT UNION,
Plaintiff
VS.
RAPHAEL NIBA
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 08-3616 Civil Term
CIVIL ACTION -LAW
ENTRY OF APPEARANCE
Please enter the Appearance of Van Eck & Van Eck, P.C., as counsel for Plaintiff in the
above captioned action.
Date: March 2, 2009 By:
X, , Esquire
Attorney I.D. No. 85869
Henry W. Van Eck, Esquire
Attorney I.D. No. 83087
P.O. Box 6662
Harrisburg, PA 17112
(717) 540-5406
Attorneys for Plaintiff
Respectfully Submitted,
VAN ECK & VAN ECK, P.C.
lissa L. Van E
la q
147