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HomeMy WebLinkAbout08-4766COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS JUDICIAL DISTRICT NOTICE OF APPEAL FROM DISTRICT JUSTICE JUDGMENT COMMON PLEAS No. 476& Llvd lerm NOTICE OF APPEAL F' (? g?8/Dg Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the District Justice on the date and in the case mentioned below. ?r E Oi APPELLANT p. BT. NO. OA NAME OF O.J. tti,?., I A, , / I A, n J?^4 _'q e STATE ` ?08111) DATE OF JUDGMENT THE CAfiE OF (Pl81llp1/) ^ t? ?Am?s c ??d? ?l?la? ?? 1/V,y1\V?1' rP CLAIM MO. i I? - SIONATDNE OF APPS T ON N AT ET IF ENT CV 19 V 1 LT 19 This block will be signed ONLY when this notation is requ' ed der Pa. R.C.P.J.P. No. 10088. If appellant was /aimant (see Pa. R. C. P.J. P. This Notice of Appeal, when received by the District Justice, will operate as No. 1001(6) ' action before District Justice, he a SUPERSEDEAS to the judgment for possession in this case. MUST FIL A COMPLAINT within twenty (20) days after filing his NOTICE of APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa. R.C.P.J.P. No. 1001(7) in action before District Justice. IF NOT USED, detach from copy of notice of appeal to be served upon appellee). PRAECIPE: To Prothonotary Enter rule upon (Common Pleas No , appellee(s), to file a complaint in this appeal Name of appellee(s) ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or his attorney or agent RULE: To Name of appellee(s) , appellee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OR NON PROS WILL BE ENTERED AGAINST YOU. (3) The date of service of this. Fule if service was by mail is the date of mailing. Date: 19 _ . Signature of Prothonotary or Deputy AOPC 312-90 COURT FILE TO BE FILED WITH PROTHONOTARY PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing the notice of appeal. Check applicable boxes) COMMONWEALTH OF PENNSYLVANIA COUNTY OF ss AFFIDAVIT: I hereby swear or affirm that I served ? a copy of the Notice of Appeal; Common Pleas No. - . upon the District Justice designated ?E?eresin (date of service) 19 _ F1 by personal service ® by (certified) (registered) mail, sender receipt attached hereto, and upon the appellee, {name - t9____ ? by personal service ? by (certified) (registered) mail, sender's receipt attached and further that I served the Rule to File a Complaint accompanying the above Notice of Appeal upon the, app 1, whom the Rule was addressed on _- -----_ ---• 19- ? by personal service ? by ,certified) i)egis' mail, sender's receipt attached hereto. SWORN (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS.-------DAY OF 19--- -- - - - Signatwo of officiaf before whom affidavit was made 7 ftfe of official My cornmission expires on 19 C7 C= 0 -n -l"i 9-1 rn COMMONWEALTH OF PENNSYLVANIA COUNTY OF. CUMBERLAND Mag. Dist No.: 09-2-02 MDJ Name. Hon. JESSICA 13RRNBAXM Address: 18 N HANOVER ST STS 106 CARLISLE, PA Telephone: (717 ) 240-6564 17013 NOTICE OF JUDGMENT/TRANSCRIPT CIVIL CASE PLAINTIFF: NAME and ADDRESS 'COMMONNEALTH FINANCIAL SYSTEMS, INC? 120 N EEYSER AVE SCRANTON, PA 18504 L J VS. DEFENDANT: NAME and ADDRESS FEWIDEH, JEHAD A 7 619 N. EAST STREET CARLISLE, PA 17013 COMMONWEALTH FINANCIAL SYSTEMS, INC . L -I 120 N KEYSER AVE Docket No.: CV-0000131-08 SCRANTON, PA 18504 Date Filed: 5/14/08 THIS IS TO NOTIFY YOU THAT: Judgment: FOR DEFENDANT (Date of Judgment) 7/24/08 ® Judgment was entered for: (Name) ZWIDEH, JEHAD A ® Judgment was entered against: (Name) COMMONWEALTH FINANCI, AL SYSTE in the amount of $ • 0 F] Defendants are jointly and severally liable. Damages will be assessed on Date & Time 1-1 This case dismissed without prejudice. ? Amount of Judgment Subject to Attachment/42 Pa.C.S. § 8127 F] Portion of Judgment for physical damages arising out of residential lease $ Amount of Judgment $ .00 Judgment Costs $ .00 Interest on Judgment $ • UD Attorney Fees $ Total $ .00 Post Judgment Credits $ Post Judgment Costs $ Certified Judgment Total $ ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF THE COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS_OTHERWtSE P$QVlUD IN TIDE RULES, OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE 'JUDGMENT HOLDER ELECTS TaEIvrER THE JUbdmcuflN Tma, COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. Date I certify that this is a true and Date Magisterial District J copy of the record of the proceedings containing the judgment. My commission expires first Monday of January, 2012 Magisterial District Judge SEAL AOPC 315-07 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Commonwealth Financial Systems, Inc 120 N. Keyser Ave. CIVIL ACTION Scranton PA 18504 Plaintiff VS. NO: C9 - 4'1(0(a Civil 1N JEHAD A. EWIDEH 619 N. EAST ST. Carlisle PA 17013 Defendant NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice to Defend are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Commonwealth Financial Systems, Inc 120 N. Keyser Ave. CIVIL ACTION Scranton PA 18504 Plaintiff VS. JEHAD A. EWIDEH NO: 0 Y_ y L [, 619 N. EAST ST. Carlisle PA 17013 Defendant COMPLAINT Plaintiff, Commonwealth Financial Systems, Inc, by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, Commonwealth Financial Systems, Inc, (hereinafter "Plaintiff") is a Pennsylvania corporation with a principal place of business located at 120 North Keyser Avenue Scranton, PA 18504. 2. The Defendant JEHAD A. EWIDEH (hereinafter "Defendant") is an adult individual residing at 619 N. EAST ST. Carlisle PA 17013. 3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase and collection. 4. Defendant applied for and received a credit card issued by CITIBANK UNIVERSAL CARD with the account number 5491130397155151. 5. The within account was sold by CITIBANK UNIVERSAL CARD to Unifund for valuable consideration and all rights under said accounts were assigned to Unifund. (See, Bill of Sale, Affidavit and Assignment attached hereto as Exhibit "A.") 6. On or about January 24, 2007 Plaintiff was assigned all rights to certain credit card accounts from Unif ind, including the account opened by Defendant with account number 5491130397155151. (See, Bill of Sale, Affidavit, and Assignment attached hereto as Exhibit "B.") 7. Use of the CITIBANK UNIVERSAL CARD credit card was subject to the terms of the Cardmember Agreement, a copy of which was sent to the Defendant along with the credit card. (See, Copy of Cardmember Agreement, attached hereto and marked Exhibit "C.") 8. Defendant used the CITIBANK UNIVERSAL CARD credit card account number 5491130397155151, for purchases, cash advances and/or balance transfers. 9. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card. 10. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 11. The account became delinquent on May 20, 2004. 12. The principal amount was $5,825.69 at the time it was received by Plaintiff. 13. Pursuant to the account agreement, any unpaid balance accrues interest at the rate of 29.99%. 14. The total amount due and owing the Plaintiff including interest, is $14,880.21. 15. Pursuant to the terms of the Agreement, Defendant is liable to Plaintiff for court costs and reasonable attorney's fees. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $14,880.21 plus costs of suit, reasonable attorneys' fees and any other relief as the Court deems just and appropriate. Edwin A. Abrahamsen Assoc. Michael F. Ratchfor ,d/, Esquire Heather K. Woo ff, Esquire Attorney I.D. N s.: 86285/207805 1729 Pittston Avenue Scranton, PA 18505 mratchford@eaa-law.com hwoodruff@eaa-law.com VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff,Commonwealth Financial Systems, Inc, am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. A?ib;+A BILL OF SAJ,E; ASSIGNMENT MIM ASSiJMPTION AGR]_ IrMENT THIS BILL OR SALE, ASSIGNMENT AND ASSUM qN AGRIUUvIENT is dated as of October' 1,,•20011, betwm i.Citibank• (South Dakota), National Association, a national banking association organized under the laws of the-United States,'located at. 701 East 60th,Street North, Sioux Falls, SD 57117 (the 'Bank') and LTnifund CCR lartners; located at .10625 Techwo6d Circle, Cincm ati,:OH-.457112 ('Buyer"). For value received. anii,.sbbject to the terms' and conditions of the'Piurchase and Sale Agreement-dated October 1, 20011, between Buyer and the ]§ank (the "Agrxment"),'the Bank does hereby transfer, sell, assign, convey; grant, -bargain; set over and deliver to Buyer, and tb Buyer's. successors and assigns, good and miAbetable title to the Accounts•described•in Section 1.2 of the Agreement, free and' clear of all encuinbrmnces, equity i lien, pledge; charge, clainQ, or security interest. This BOX Sale, Asd&=ent -md Assumption Agreement is executed without recourse and without mprescntatious' or warranties 'including, without limitation, warranties as .to collectibility. Citibank {South Natibnal Assod Unifund CCR Partners By:, iVamte: Title: MCH$150SE VP GEED 0=18=4 Ptram?l Contro! Cm PX 1162 (6th 331.1935 Y r Namejl f AjiU-lq Uaoso4.aa ??? VFf t y fxhib?4,6 uniFund Uai&nd CCR Partners BILL OF SALE Un.fimd CCR Pzrtncn, for value received znd in accordance vjth the temps of the Accounts Rccc iviblc Purchzse Agreement by znd among Unifvnd CCR Partners zad Coa?mor:wealth Fiaani?? 2nd Systems, Inc. ("P? rchascr'), dated 2.S of]znuarp 26, 2007 (tbe "Agreement'), does hereby sdll, assign; znd transfer to Purchzscr all of its good znd marketable tidc, fice and cJazn of %U l tl)S, das'ms znd encumbrances in and to the Accounts listed in the Accouot'Scbedulc attached is Appendix A to the Agxecment, v,itbout recourse and without representation or wzrnnty of eollectl lity, or otbervvisc, except to the cztcnr stated in the Agreement: Executed on jznuzey 26, 2007. For Unifund Use ONLY 34 Client PID CID UNH UND CCR PARTNERS i 4' ` ? .. S -:? S yQ?r 0? 9rp@111gq i11iCh l4Cflt? dE?? ?Cf,irrrth a your 1fptuZ'.7t7g. ?arrd S nfg??'et7!$? #iP ear`lar fi n a?u °" , .sw ?fas r??rtaiii sec card ? ?curns 6sr?lr ?'S des ` t. nosfarMaur co lp3e?;7? ase), a. p ?wN ,??'?' 1 ? free or rorirpterc;iorrri?f+??1 '- retaleri sections i atio?e'?hfb FEES RTES 1N? tl?rs Cerd.nt: Diasa`See the f t putchase,arxd p?CF'GM?gR??S., . fJeledlt ?lpgn> safe r 4SEe card Carr?r RH Sse r?r s'vatYcit tifl?n ' ?afP 7dS,u c ??'lSff?1i?'?L' 47?LT77?Us?, ? Prli»? A fn.23lr4i?Tt: s ??f?'r.;/???:. R?'' ?i • ,t?t/-..fatrtt' f tJtr?t$??, ?' '???'tf°?roti:fa?r p1hY_?uEa ? n?Sn2?59.?"?yfti hsti6 S ::. Maur cretJft 1ir?, arena ???`t?tiiiic?'???iaeri ?tlu °.?clieOF.f?;itt ?; Nflat. dttt Ftr?arres ke a pa??maat to ts't e. erCeed T1 A hargi:so b hat rs Mgt hnnnrcd. $ACti: F m9,;nr,7s n fee, 330 of each:hata?'G ?H4#?GS "' P??t?as ? ? , .ta.?rrt!rm.. r ice er ; ? ,. 8 nsf ? MAIM ?e?Tn All ` ?xr 4 Fat moo CrJ?;` ts?06 versan Info has: 33; gotactt *7Fi?e 30 dolt r EE lets 'PIP ? ion beta' STQp u ?s up fo S#Qp ? 25p ,g39 vn beta' S29 ati 5alan ewer the G • te ass of23U and,pver, ?s tit A ?rrral,Me rdlt 7rtaT?ee. g'33. t#dtu` _,?9 carrrgr ; r»f d gr vepfe#',*' Orb- Step ?micrxt ptr , !`'aa,?33: , [cafes f ?°?'eeteace'?ha? fee: 539. + - rafBS, f 8s s, and terib ebd term 3 eY chaege: i'Vg rein: Th S of. year sccounr i' an ay oba+?ge the m t Mira Oe?r?r# dZ114' so.4fts0your h lrrfo matlon ?n 4 TINS to 'edlfnrs,' #be?: of f8fiftVl?a ' rhf to ?i tt Y k r? [ 4 vF 4 +. ? t ZI, ., '?+dCtOliJrl' si lht1011 ?+? .ibt?b?lP.jt{bB ??A?1?yQt1'and us byyau.a fa r, {1 s r 4a unt, BCt'?l?gaCCE55 dev'tCe?i.... that we,iss?ue '?y+ntt to ab% dor Citltl20 (south: C A r the iSSUer pt d td opear the . , cialnptyin2 with mvfe 2ddress ?4lydth ahis lkri!'fttSS }?U must pay us fora#f a(nolints drre On yolirsecopm as spectried in tW Agreement Your account must onii. be used:for lawful traTrSa;GtiDns. ?. # _;.: Adid t)sanr Ynu may attbw,aiafats(art;riuae :° •, YOVIO couWYo!t.OYriPtts1451 dd ?.. ... dot;, rorrz d users ?'a?ranustpat+rus•tor':al?ch?g?srria e;'???author#zed,,; users even rf,pbu dfd.riotrotend to btr rf pon'sr t !.foTthose chardas You'niust'notify,us to rc jr permission-you :. Q)V@ to,an 8i1?f14tiZed•i15er tt) use a barb ri# to use your aCCOimt. Credit Lt-4e: Your MIEiiai credit litre splleits on the card carft.. The full amount of your cred'd lim.-a araifabfe to:buyoclezse goods or servit who the card.i's ilcmed..Pprt,of.yaur . credit We, called the cash advar& tiiriit: is?vitlabla fer cash [+outx. Hie:ww,t.uawiiste vn;yOttr'UAi,!irlcrUOtrtg'!Pertt}{tIC ; tinaiiCB and fees; mustzJvrd?rsireftia rl britovrthil credit hlle aeaer, it.the tolai #A.taAct exceeds yasJr asdii time }you must still pay us; If your account.:has. a credit bat(nt. we may redure;the ciedtr . babM by any nevi . 'chargis.on your accotrr$ -Alf mey not rnih. Itain a creifitt batanee In ?tac;ess of yagr crcditiine F ' ;; t3111t0 Statslrileet Your bilph'g stat.Wim thous ttie total bafari ; peodiC iantx`ehatgas: tees; i?)infmutii atnuiirit :iue.v;.,...vsx.:...a.aa.uwv.1.ww.va.t;wwla?aurr'inx:'nNAM4kM•••k. v +wnw?a ,.ux,n,tr aaaross::rvu ?stro?+t? C.bstoi>3,g"r•&er?dcs oi;?b?cfiaiip€?n ? ? ? ?' dlidreSStf lC?;???r1?n y0111;dCmOtAincotlerli Je'w'`Ir15I?t11tElj r c { + i LYJfteCif(ln proCE4 (r1Qsd? :'??fdtA t Q 8ti-vu Sloe!3 ?i Yl ' a attamtytar,>:otletfiori n+eimaystppsendinpiypl s ian+ents:` s P2r30 m finart scharges;3nd1ees con6inue'toaccrue men d7% xrE slap sa?il?{+g siaflririts }? ' l ' JAVA ltle tii,al alriountsroa oe,us appears xsrxtle l?e?r t3a'?'nc cn Me bi;Itng'stiitembiit,,TQ.de*rrn ne a iVe+? ?atahCE l e begin with ttre txiisi balarc at the stan?of?he;b f in M add arty ptarpt a s or ca' sh advan?C I at ii subt aOt ' L E4 coits'Gr payttntsi;redlieas a; ihxt .1111h ?,pen?d'WO r then aidytperodic';tnance c3rasgiesof feesantl mate oth"er ?" adll.stnierlt? € , ? ?i r 1 # rd a,? 5. jj'l va.? twri s ?AtoRSr?`??? ?? ? •, APf1s 9ased+pnLt?nme ti?,'e calaiat`an?+,iP.R`basedn the U.S •Prtirle Ai?j?'`?,r?me RateKt??adtljng,the?appliCab7e ` amoliit ffla'f appears on the card cater to the>Pnme Rate. For each penad .we tlse fhe Prime Rite' pul>ifslled in 71e brat'? Street Joilrmrtrm.bu ess ca}IS rioY_toTtie StatetneaUClaSing.Date forthat bilfrnp period. tt;,lTlie Yi?a?1. . Sf,?el.laur,?aldDes not dubl?sh the Prime Rate, we'niAy subs M a sigidarpublistisd rate: A•1;hangcs G1Ali `APR due to a cn the ft me tatettais,'feaeofdhe':first day. ot'ttf2 Pd tDr • .. • YVltk?i.tY?e'fi?aIBUl8tia e?'R, t"?'E¢pply, ? ?' , the nerr'a tp WAPRtn arty b?asting?ta cxs;,sub(ect to a?' Rromotr`iina! `rate. that may apYif j ? . Oetailft't3ateAli your APRs ffiiOi iiicraaea ifyou detaiiit itndsr air; ford Aof merit that ytru haue: i?th us because you tail to . make a.pxyment to u5 vrhsri d:ie, j u r.>sceed 'you'r Credit lik, or you make a pdynlent to us tlttsiitbtano'ied, in mere circumstances wemay autpotatIdly.1har$aSB!?-out APt?t$ (itlcluiflriQ eiry.fchi; romsrtibr?at Ai'Rs? o .aft balsiiis'to the. a ' tdt ' gals ttie't?r" k Defa #tQ#;? C m'ie?late`plus?iip:fg23.99%. ` .or up to 268'tvliibh73yer oieat2i; factors considered dtterrrtirisfigiybf Debaft APA may.irratude hRM10119 your 4 aceoylit tixs ?leen`dpen; the btntn srr iserloiisriw .,0f a default underihy Card Agn3emerrt twat you Gave vutgi;iiS, or other r indications of account performance. The Default APR takes effect as of MO first day of the being period In which you default We may lower the APA for new purchases andrar tash,aduances It you meet the terms of A Card. Agmernents. thatyou bees with us for six consecutive billi%perfodS. ExlStirip balances reriialn su.Nect to the Default APR:untilpaid 1n rut(, unless ive te#1 > alt ottrr3ni(se. ,: a Eitr ct;of, lPR tncrESSes? IIEanAPR•inaeas?s; period! balance wansters ar casp a&ances tolhe samedaalaiice finagceacharges rncrease'andyaur;rn_kTi im pa Uht;me; 411 he.transacaron as of the same date the:transactionAs ,<. `ease r E: , Ad .td the daily balance Tlfe Post Oate is the date?trte i r +Pet odfC Rin?rice arges Based On, APR's redefigmyour rdquesi forllhe balance 'trans at oreash advance, rnciuding a legyes! chat vte compls#e a balance transfer or.' r ,alb lc; lnance Ch?rpey:•peri tlic linanee,clrarges are casT%adva a txinvenW W. cheek for a spectlic amoottl. !f . r ci dsarges that late added to your account vriten the app the lartpirpble APR to the balances ?n roar account lfire You send, balsnee irairsier. ,o convenience,cbttk ditet;tly , late`pertotfiC !l'a`nce char es separ iety}toreach baianca 1o oriteone, ..te Past l)ato is ?Ae date sre'ieEen+e the heck V )ecttdiiiiftersnt teiiiis .far,era?ple:stanatd.piiha5e„ for p+menr? D arras . ces, aad eacti:r i moU?hsl Qrie'r fhelotd) •TO get thedQtal perroQic;finance chaise :vae.add upiaft of the, ; \ l • ?N,n .. ti Y r bdEc finance c#is"rge,fortha;tilllgsr}od Equate the dal( darfyap?o?ia tsitagce charges tar each?6aiance for'.each day : h dk'fmance oitaes ior`each balance for each day En ttib; !n the bNlmg period ill ng period This ir±?hodrotrcaicu?ab'` periodic f4noe '. • 604ac11baltincs, the Balarice Sobiect o Fnance Gh trge on } i haigis resuhi n c'all,r corilpo rriding?6-#inance ;harges. the slaiemeri{ the average o! the Baily balances during;t l ,ti!llien Periodicflneice Charges 9egip;to'Acerue: Periodic bi'I 6n!?.0 nod It you muitiplythis fifEtre for.each baldrice hy, ?iiitance charges•begin to it;cruE 1o a tharQe'frcin e. date tfEe'nVn of dzys in the bNling pe.ri4d and by iit° appiiwatile ?Ili,is added to,ihe daily lpatggpe acid con, we to'actirue until daily perl3dlc°rate the re$ult:is the periodic finance charge;S ayKrrertt`in dull is Gredped.Ao Votrr acrxiiint jCliar' include me#oq or f diet ua!ance, except fora ,nirtor vaYrati ' dn$ ' caused rpurchases:bal'aric¢ transiois; castitatlvances ire isaetrgn try ruur[dtng =fees oiher'iees and:nyrnini mum., n nc? charge }You can i+irnlmum Pittance Charge: It the periodic ratt frnarNe;charge atrotd..neRod finance cs fln purphases (trxPuding' ° mtavld;otherwjse:beless than $0.50, we assess rErarri dalAnce.lraitsfers) tfiat appear do +out cu rcni brllirgp staismEnt FINANC&CHARGE.oi SO.% We add the arnountito!arry I opt paid the;fi!t7?1't?alece or; the last'statemOt by the balance #liat i5 6ssessed .9 fawcP charge: >;Ipaymelitdue date en ttsat, Mteirient and you pay your New Transaction Fees ?,?.Balznce`by the pavirrent due date on your current sWernent• t l1`you made a balance transfer; you may be unable to avoid Transaction Fees and APRs: !f you are assessed a transaction periodic finance Chaves on new -purchases,- as desnibed in lee tara:balance transfrr, a purchase made in a ioreign } r w.ihe balance transfer offer. carreiicy, 9i• a.cash advance, the transaction tee will cause $alculatitin.of Periodic Ftnance Char ar the AE;R on il!tirf>ithng ataxement an whicp?ihe trapsactton g • first ap{rears to exceed ur nomittat APFi For eachtt?eiance'treeniultipWihedillybatancebythe' d- y° Transarclron Fee is '$atatlce Transfers Yau:obiain y `ai'plicabie'daliy perlodre rate„'r?fe do this for each day in the brat ihq `eitidtl Adaily;perlodic rafts is the appiicatile APR baianee=trans(er 'U "Wain (rinds dirdsugh;e balance ?'tdlilide by:367 a f lillhg=period itegiris on the da + after 1.he trap fer?ctiecl ar transfer a bafa`nc? ??itt? out using "a.' cash E`er ' advx ce cony= nience retreat SfiatpmenfJGlosirig ;® of the pprev!busbilliho period and ` n, $ chec k tit balance #ransfers as ' includes 'S ta#ement/Closihp Date'o1 ih current bding'periac, purctt ses; rainless ottiertvlse pruvidetl in this ggreament. M !'areaC.hlialaEticc transier.v:'e add an additional FINANCE t . To pet the dall)balance M , take the beginriling balaki). C .AGEM. o°to Dt the amount of the balance transfer, but 4for each balance es+ary.'day (rrtGiddsng unp9iij Petfodic finance nbt le`ss:rran SS'or more lhan 05: 'ChatOBS irDm prtlYl4tl5 biAing pefigd5), add,iiny.new Gtarges; ?.??'?'' r , .arid.. Y Petiadlo tir?an9e aharge an the preroious ?daj+'s' tFagsslcU l ee tar Parclrastf? Made in a Portion Curtency: 'balance',s btract an .'crerYits or pay+m$nis credited as of that, fur„eacl? IpGr fCA., mar3e in ti foreign wrrency vre.add an purchasa amount id*`abdi ike, ''ieradiustrnent? k?redit baEagce Is treated' adtlibpftal INANCE'CHARGE of, of the alter is convarsiot{'iato U.S. dopers.' as a fill anbe 0h1¢era .' N. Wa add a cttarg to lhre dally balance as folfowr. We add Tralts?trn f,ftjdr`Cash Mantis. You obtain a cash a ptircli'a.'ss,to. t' *74 top* n' balance as of the Sale Date ad}+arict .it.yo'd.ohtain funds through an automated teller tin the billing statement. We a.dd a balance transfer or cash mar [ tpe.tATh!1?torveeienfA check, hoine banking, or advance in the appropriate balance as of ttie Post Data on rsnaricial ilislitution; make a wire transfer; obtain a money the statement, We add any transaction fees for purchases, older, tiatrelei s ;check, lottery ticket, casino chip, or similar ll t;?orengage in a. similar transactio. n. For each cash y'7+1 '?'6 4 . pr, 4. nr wr+}ItR\I(•'• H ? t Y1y oar 5 . .ti ' ` °'? nit FIp fe fl!? k ' 3 Ti-X_ 3 : } ir.' , .. S Nem? r'n ! {rat t EDP ?'?` i' ?:_'• + ? , . ' ?1 1 S ? td , i ??? twat ? r ii ? Y ' i?,, llh}ri7 ', i Ej,f1 ? f 1 ? I I F , ?s rltah ?5. ?t,w;aGn:bllfat' qvaarC,S[?rtriattt ¢UrC12S8 n6lraerttCfft;that,3?0t1'i385L.sutt3l+i? r'i11E bl-annther: ??`'+4tr L' :j ' i m#rin?rrl Attiaun r ed `}?a'li tart- ? YSr` y its arke 6ar ch s, rat s tfo slwarri?a ,...t, Due {! e.r4m duerda4 the eck .'a urn.arty such ehecks.th t rnot +?,. hese ` " ? f } co3i±it al T kltlfng'stateJQ1) fes? Cretlii l tne' '" tp r na'Lan ?n;F ;have beef p 3}f +, > #g " aso :titstarle o of ttie ri?aYmant°r?:'aC0 titelt»Culr$r?c .• t K i f R•f:A±?;;,, stop ?? y 5 es r p ta"Stt?Q dtre tl *.ilW s Sts r a'?39 ,' X29 an balaie an tai} make a t# s?eatyU `?' . Dt?bataricea'o1$250 5+3f 710'lip; ta'S25 . tt101}`i arttt?n ?Yer 0. cash,adaitc? hra`' R a,4r}rgn}crf r.. " liverhe,Tedrt de R9asta'rCard r„r ?ata;?rartct}?- . • r+#t)er 1ha a : ; ee, f E> ? balance+rt,your,ac a rnt a g ?? raithe sta`rtr rU ( cartf rs used; c "V011 e ..v egg," °urap1r etas ' Y trmE:du?,n x, ee . ' ' ABM ti?e atnot?tttb 1,C ?j g od whtctt ' t1l3Fan g ?heb7tAr:g a io our,rodp n erd cogrp te$.zvr h rfs S :dD?tars as alto :Y J? . sron"pr(rcedyr'e" t .. , . ,tor?r9!?elrren r . andctrons tvn autltnrrza or pi:rraifrci??n .d thts tee a{,en hen tn. effect rA ; PY can?Per<r s atceediter Charges ypu rrttur ererai „"y's?_.. charges.' f+?es;. acagtei's19n ra a rn e?(ect oltei' ?astercero curreii X }aurcredit ring We,.e, #l?>' aGCOUnt'ljalanre uan ¢roep.date: Such rae'a its bra?sas ffi ''ance tall bet41n; Your cred #a ne?a fee eeen ifarlriRt rz're oc th , te, 'Per at fad t tt?e account;`; E godrsrrzrrreltt = ,. e..a'?'h9teate,.'' l trN, E artd at rite biitmg ° .fir) , orn t eC s??iih Its hire n m?A ated,mta R 1' rg eifrrenc Co r iSMAnnuai t?Fmbershfp Fee, VJ2 ad Procedures tAen.[n effect. +r[sau rtverstlir? , rnsrRber hrA:iee #4 the d ar)y apPNca,tile anneM! stoR rzte ,atfsct on:lis.aPPC l) etttt5, ctsa$ {comtes- t =`'n faridabie.uriiessy date.,SPrfi' ret;prorssin rrn•re Standard pu>h2$e bala»te:.lis Ice is of ratesa dtile ?rat " tititt 34 d2' OIJ. iipgJy US.tO Canc01. 'OLf arcdunt n , r ralr; rS efihCf a rAlsll'SL1QCtS i o 9 stit?ateti? rfi Df.the by) maw Qr:detiverj?..dat ?? ya.? abte in v,hntesatE. c he ;? .m;the.rar,ge tikkihe fee ra Uilleil.'. g.af lhE b?iGirg ; rnrndat? rate the rate [t rece[?es, Y# ?a'rkets; ?vttich Reruraetl Payment fee or ihC9vemmelff PPtchase.batance It a? e add'a ,rS3g -fee, t0.tbg NrErtCati i 7JIrfSo COfn ![es 5t?ltfi its fo rlrit;ItDtrored'urfsrefurna ChecJsor,srmllarin Rdard :. contErslorfprocedures t ?in.ctlrren ?' d 'ease rt cannot bemert( is, rd?e !srY tl? +n e5esi r.., 3t a i aUt0i118ltC` egU[reu -l tic- fail ?vr.. RtB$$ Q partiCUldr he.f,rstilrne'." r4 rOtGftunpasate assesrq#his fey` or amerlcan t xiiress shad be Ehe,'hi';at I ??nba YOUr CIi9Ci(,D payme ntis selected'4n IhE't)uStne$s da g to rt:s hnrtored u not hcnvred, eve Iran y poor to the=l?In ; Pon resabrr+ission n,if the s4tiCrir8 '.on t?,Ittc?r Retrfr?ed?aitirr?fertCe Cht'tk fee t+yg: . if a cast} G+?oCess?d ? add 9 ke?rrsnpss: 'stanifard advance ad ,,,a ,. nco )s made trt baiaricei#v,e dectlne"tt3 fee td the : orATAIat qV ,.Ot ouralr#jet oreit1nr e5 a[rrettcy ,a branch . honpra carivertlence tr ; leek 1Na rrtay decfrne:io7t narheae che' ' .. tl S .dotters t>tc? arrtpunt is con ro ' arctiida e;+r i i 1 into e c ad t the ch,80 imuld caus8jthe: rf fuA. exams curr rtcy t on At n cptn?'1imi :Of ciedjt`1iJ alanca la axCee'•. crrrrt'n}I, usCs, a coti dvres:then'e?jectr? gn 1` [dY tti 9ui lristru yQti detai l fib au pro cesstnti versilfh iai tit e * .=?f iafe' k cbnns Y did date Sueh rate eltt?ei a on u Itra6le ; k )cur ee -Upf eofictoseQ ?egsrdlnp;?tre heck, or if or the goverrrmgr mandated rate. .?a1nt rriar??k Ch rate - g ' Iap?msnt rm ConlreriFance eck Fe+: r The.tpretgR crr #a the sialiaiid ad?arrce:b fal)cg ?f v1e hoa5r,fa?rfd a apRltcabte cDtTVeran.>&t8 rn ' $39 i prr3cesstn effect err the SoWofti °P tlaYititrii!"brr a conv+:i US 9ues#ta tfie1e.inelf no date eer a trattsae;oh r64 dater fr a c'Clk ect on the ti Jeyise cheek Wiife, atr p' oz Abp t? fitrlt on staiamert't for titer I rana or Iasi date an your wing ?"Tt77 ??>30'Si s cllon i! ing tde-blgin s{ . ar cart itte,Crtstatdur oUX Farts,, tt a tra»actiart +nvNit[tiQiWtiiip fig?ya til?roV`n'y?c$• nlr?be'f vtiart?actiartt+pr nveatedkbY,a;ttiirdipartY prior t ,`in eYfet t.9or G ''s' 11 ?'+?r?tods nffrrtr the cag f ri AmEtritatr' p ocessed bY'AaSf a such matifi airless reti ` ?' hrt?er r;r»ratnS fbattra?rsactioti 't ?bretgrt`::CUr"ncY i,6,,r~[4n r BBiance harrste 'Jr r, s evl frt ??irtitrlg titi7li be the ratet6l rate for #shectc,Must a `?y? ort?it ya I>Inca:Clrec s`.i at h Mrnrmrrrn p Y ht by that thirds ply,. k .. ed"used accDrdtr the t,tn€rriGfi?q pn? v Due # # . 'YowmilSi pay at'east Y he Payment due date. Tile r5p '°r°"''nW47lC!'YX;ri,mp ''?*R+Raw • -'-.! r . .. xuU'MYrMexeagp. +.r . ? r. v i yr+ f ' ?r:r sooner yorrpay?ie,fi[tiv Balance, the leSS you:viiti pav in :o : people asieti}lermay zfso obtain fplfayr-upcrcdil reports pyerladic ngrtc Charges p "., , on ou (t ar;;ezarnple,.tvlten Lyre; ev,ett j?ourraccoul fora To catuulat t}?ie Arirnmaum yunount i)Ue,,ve ber?iii u'iitr_ari'y CredityUne=Inor, s li'you.viish to vatisw,;tivhich•api ncrea-ore . past:due amountjandradd ar#;r?ai aoni-in:extess trf your credit Car ac ?d}white us at the GuSfoirrer Service aCdrecs an fhe lrne <We•Yhetr'add;ihe.targesiofihe f?olfaWirrq:.brtlin?.atateinent Ttie'tJeirance on?iho?lfllirrqsiateri?ant if it is less than if yulaitiifirk???isreporled erroneous information to a credit .: ,. g2t)ifthe i+lely fafrcg?ls at least a2a,', ?. rng?apen l i.%vtiievs at tlicrGrisiaifier:'Service address on,tfi6iiiiq' ?•,?,::Qfistatamentr.Wetvifl;ptgiapt#y`rinvestigate the 1,6 0) >e?Neri Bani;e: lrtiic :calcutatian Es i ounded . Fif'4va agree,wiih;:yctu?wa t`iill;eanaci each.; "down fa;ihe nearer} daltarj;plps tt?e mount at ycer;' Crapilirepr,rtlnp agency io +vhichr?% repoi#ed and roquest,a , ;iillladYinahce.char?es n? any appbCabke fate fce, r corra tier if;,aFter'our rnvestigatron ,qe disagree vrith you, •;'1 5?6 bribe ltlBr% &?lainde vahroh aalsutatron is taunted we Will lleli you m Lyritinp.or by;."delo hgne and t@it gau boor down to lJte nearesf'dollar , io sUb0l a staleinent to those,agancics for iriclusiun,in your HvWevsr the f+ inlrrtym Amount Due ne?er.cceeds 45e tdety credst report Balance in talcutatidg.IN ft4rflrifturt3',006rit Cue; ore nay subtiacf fromths New Balance certain fees added to your Ghangs to ibis Agreement account during the billing Rshod DiJe;ayrafipe the retes, fees, Oita! termx of jtiis{ gfs r Y' . Asmertt t efpV u!ne for airy r M ea sasao resa rsonx ApQlfcatian of,payments We+appty pairnenis artd credits to rtiay. s based on inipimalionrin au credit re art such loya,APRba]arices beforefiigher'R balances That m_emis;; p_ assyourrlatliite to make,paynlitsilo another creditor your;Sawrtgsiwrii be reduced if yiou make so.."tilons illat art: ?vhe uezamounls owed'IMO e hfcre?flors, the!numf er. subtect to higher APRs. g, w , - ?, - of=i:radil accaunls ouistnntlln 'art a numbsraf;aadlt Payment Instructions''Payrner±tare credited in accordance inquirle5,h%se reasons may also rntirtfelcomp.etitrve or, Lwthrdhe payment insfruiruoiison the fiifling $taturient You rrierk?t refaie4 iactors.:Changing lernts millydssadding; must°pay usrrn 11 l3 S d611ars"usin9ta tree ; srrniiarain§trurriot; r$p1aC?98f a eletitrB:prnvisio`nsireiatrng tnyour=account ar autornaticdebrt thatiis lfraiashliial and honored Iby a batik ' anditaihetiatirre extent; aritl ehfortemsat'at tfiA rights rn the V Sry? o nut ser>d.casii i}M ca4 fiaccep t tats ar phrlia! end uAl gaftons you or we haveteiatingda thr3 Agreement: pzy` erlts, and paymeriis;ON fle?tk partl '11 11; Thesir nges are hinding, on you ?awev8r;,i! therafiatr?e. othe restrrdiue ep orsemenls t vytitout losuto our. righis. ,vilt?cause a; fee, rate or mtpfmun! payment ta;;ncrease; tNe rese !e nghi to accepi?p'ynres 1k :,Made ,n foreign we viii! maid;y"ou wrrlie:n natlce:ai Mast=l5 tlxya;bef>1?e currepip andJnstrumenf%drawah or3 ibnds on deposit.pir.0 2 tjre tieginn?ng„ot Efie biilrng period in which the cfrange the I!r$?If Lyle. iio, LYC silettfte currenc,cons+arsrnn,rate at ., becpme;s40600' if you do.ibi agree tolthe change; you outs piscre7iori and iGrtidit yopya,;cbur}tln 13:5. dollars after r?ttrst'nelftY us rn vtrfting Licitfiin ?5 days'aiter the enective 046. ing,airy costs mpy.t d rn processinj your liayment; or daEe ;of the i tiaiige1arld pay us the iota!' balance; either . vac ni"aybitiyou separaeiy for.suh i`cgste. at once grinder {he°ternt's of the urichangdd Agreement. f)pUDRa?t'ynbXunp Servrce4;Yau anay,request to mate tlnlESS we tioif fy yattathenvis, .4s9 61. !fie card Offer the. yburrpertt~hyoitone usbtgoUiRfiorial Pay by:Phone effective date flf the cttarige shalt be deemed acceptance =r fl t fy of the rrewtems, , even if tflrs.25 daYs lieire net Se ri adfitime ogInnafteliiich a: a nest tr;a tact a y ezprred: ,us the.'ist7roantsfioum`fn ttie P#Jby Phone sectron.on the ' t?efeuft backjof;t(re brf* statemertt .{lOr, representatives.are Harried., You default under ibis Agreement it yoir fail to pay the to tell youiltrI tagmount if you desidi;;io use this 00661:p", y A4inimum Amount we by its due dais; eKceeti.trour credit by Pttpne Service hne; pay bya cheek or similar instrurnent,that is not honored Credit R+e orf rng or that we must retum because it canbot be processed; pay . We inap repot! information 8botit:yopr accovnt'to:gredlt by alitomatrCabittltat is refrrmi:d unpeid; fi`ie for bankruptcy;- repol#igyygge,?t?xxes f ate payttiejts, missed payments ,ors a h or default under shy ocher Cerd Agreeme ftnt Thai }o¢ have NO athet ai ilts oltl?rdur asCO+int '' d us. If ypu eiaiili, eve ma;? oiose y-ottr k0unt and demand ' report ffyotr? finest i ids o`n""y u ;ae coeurno o tt s"" rite k.. im?rnediate a 9f tfie,toiet tielanCe.< ymant yor;.gWO USA. . may 4e0rtacr aunt intQrrrtatton;iia the names of tijDSe ptlter _ . s ct,rify rnferst rn a CeiUtiaa of Deposit; L?,e may use the dtp4sit attiodnl to pay.anyr amount you owe, .. e a ,,M +,?,atrfry.y!ytPO}'4?+•NlwRfau+lMN?iRM1 'xcal'GWr. ... .,•n , ... »u anu.,r ,.. . ,. ,. .. .. ... .,. . ? iigyi ? a I I I , .#.71 4 1 1 11 1 ? I? I i I vl I !j n , . I I. zr ?°• IA `?` i i s t I ?. a f , lvt'tl a 11falf6l, 4 . aWan bet?? hitlaiir3g:.3 q .` 5e.-w-.:. r_ t tiir3 Ci moor 1G the 6tJs: ,. tae its t part in-f?r.?im:CGr7 r 1 .1 ga ra ari ^ ?n7%:+ eRA aRnd.#e,cnurt to aAAiYin : - rr „"''?vm'anotfierpam: if lf;esarfratcr,o'`r #a-3tay !# apR1 cable lave 'so"determram'i the fitiaat,on of Gldints 1Vttb can tis'a Cfarir?s'araart 6f a iaty"suit, ms must ' Of as 1r1*1da2l tier, Clai l e trough! in ts, I +?I?•BfoU ilk b hao 11 " art tndrvidpaf (nail-ctafs, non-rip risen'tst F• . a name arbitraforsary f. ??r?tl an rrot'a': l not acv; rd reGat fr or a ) SaSis: The Rte. if You•or we rpq.aire alb' ga€hst en Disc who is ar iiir qr any other person:htey Arrhloie they Chh, neiltler as a class acton; Claim in rattler rn?tQ atfotne repiesentath* action no v gencrai-action or un:yOut' dr nur bel;atf in any may such Cla,;m includiri assigner! Giaimsf iiitwo li n in a more ny perso ... oursUed Claims, be joined. orWnsplldated.in t he sarlte arbit r Gau n:.s . may not ati{?iic„n€ , cp-applicants, authoti,ed users n %,wer, accourt at1??4r. related accounts, ©r co on a single here4nsidpr.s'one.person, rpcra€a affiliates are ,.v,ca anae#t 8tf 1Ybrtrtl0h 8ivard firlai? Tttc !emu or`us` iarb?tratt?es may k r;t #ne ar;w; arGhrator a,rrard t:ustp0 ri #ar 8milt and ?ndt ;oh.#tle:oar#ie5 uai$ss 3 pc dcoonnf infomairorr, r ttiyar? MUon firrtl h}n h{eao d appeals rmaSoti rf regUested ib tla sa by?r• a a, Rana. el at a sRl. nsust' a asst's Qf.na?i?e pf itt apply applrr;?lb)E substamrue:lavi arb or ree tietitralarbit & ors des A la#ar litauon before 'Rilcah€e sta#tr#es ni lirtifd(iotlc :1Tie pagel.tvtif co Y (fie same i8.! adgrli ed:'1=t l ;i; ? d still fiaye issues attew, 'fbiio?v the adder aN fac€trai a i ly`ar1 using a sra ., a Same rules that.apply to lev le ay ??as, or other repot vo2e.nf t ?"yVV q 9ra10r, and make a deC?fons baseproncee ing s'ejnt 'X°" orle , ~?^ ?ymaf Co d b?trounsef:,? ?Chcoss to- alloy a e. at?lftrator 4.'', Itn ' od•Igrlty i?.ai?tliatien be bnf WOW, in the same the rd era. fl ad'rettitestAd a?tia;b3r''e Para f4iria€ a tl a single ar5f€121or. yyo ores,f#ceiidass Iras'- hd bfridrrtgn thQ pasaftier R2ssod; i'i rural anr? brnprng aw2rd 3s subJeel y_; r 4 1 v tom' m?q5{:y?,?( ?? ? wJ r ti Ae ? , t , r Ax ? r tr ' t 12 ltotlhe reasons for the terrnine .atvzrd:,?e :the:rights;an . C.Bl ?rtl ,:and pr in respect Of Oat?ons ! s?aif;hi5f hairs an)'btraearfn any other percan, ? €heon fe: ?+ itrdtior! pays the initial fifinR yov e gffes arbitraf€agfirm e.fr e:an0 ypu prevail, 14 'wilt e, is?e.heari?n :.._ .....• .... + r is k- V ? T' t{{ p to c III { x i, r ?r t7 C C= 'rl r, Fq co _} L ?- -'t 4 Commonwealth Financial :IN THE COURT OF COMMON PLEAS Systems,Inc. :CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff 08-4766 CIVIL TERM VS. , Jehad A. Ewideh CIVIL ACTION - LAW Defendant PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, comes the defendant, Jehad A.Ewideh, by and through his legal counsel, MidPenn Legal Services, and files these PRELIMINARY OBJECTIONS TO PLAINTIFF'S CIVIL ACTION COMPLAINT, and in support thereof avers the following: 1. Plaintiff is Commonwealth Financial Systems, Inc., 120 N. Keyser Avenue, Scranton, PA 18504. 2. Defendant is Jehad A. Ewideh (hereinafter "Defendant"). 3. Plaintiff filed its complaint on August 8, 2008. 4. Plaintiff claims that it is owed $14,880.21 for use of credit cards. PRELIMINARY OBJECTION PURSUANT TO PA. R. C. P. No. 1028(a)(3) (INSUFFICIENT SPECIFICITY IN A PLEADING) FOR FAILURE TO PROPERLY PLEAD ITEMS OR TIME, PLACE AND SPECIAL DAMAGES 5. Paragraphs 1 through 4 of Defendant's Preliminary Objections are hereby incorporated as if fully set forth herein. 6. Plaintiff claims that it is owed $14,880.21 and attaches as sole support thereof two assignments and a credit card agreement, none of which refer to the Defendant herein. 7. These documents fail to specify any agreements of the parties, terms and conditions of the agreements, amendments to the agreements, the Defendant's request for products, goods or services or the amount, or time and place of individual credit transactions. 8. Plaintiff fails to sufficiently specify the type and/or amount of the alleged debts owed, including the amounts and dates of the alleged charges, the amounts and dates of any payments made, the amounts and dates of any interest charges, and the amounts and dates of any other charges. 9. Pa. R. C. P. No.1019(f) requires that averments of time, place and special damages shall be specifically stated. 10. Plaintiff's general assertion of damages therefore is in violation of Pa. R. C. P. No.1019(f) and renders Defendant unable to properly defend this action. 11. Plaintiff's lack of specificity prohibits Defendant from being able to adequately prepare a defense which defense could include a Motion for Summary Judgment based on the Statute of Limitations or laches, for example. WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss Plaintiff's Complaint with prejudice for insufficient specificity in a pleading. PRELIMINARY OBJECTION PURSUANT TO PA. R. C. P.No.1028(a)(2) and No.1019(i)(FAILURE OF PLEADING TO CONFORM TO LAW OR RULE OF COURT) FOR FAILURE TO ATTACH A WRITING 12. Paragraphs 1 through 11 of Defendant's Preliminary Objections are hereby incorporated as if fully set forth herein. 13. Plaintiff bases its claims against Defendant on a series of billings and payments between the parties creating accounts between Defendant and Plaintiff. 14. Plaintiff fails to attach, however, any of the billings or record of payments referred to in the Complaint. 15. Plaintiff has failed to attach any credit agreements or applications for credit agreements made or signed by Defendant. 16. Pursuant to Pa.R.C. P.No. 1019(1), when a claim is based upon a writing, the pleader must attach a copy of that writing or provide explanation for its absence. 17. To the extent that any credit agreements between Defendant and Plaintiff are written, Plaintiff's Complaint fails to comply with Pa. R. C. P. No. 1019(1) in that Plaintiff has failed to attach to its Complaint a copy of any such written agreements or any explanation for the absence thereof. 18. To the extent that Plaintiff claims are based on billings and payment histories, Plaintff fails to comply with Pa.R.C.P.No. 1019(1) in that these documents are not attached to the Complaint nor their absence explained. WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss Plaintiff's Complaint with prejudice for failure to conform to a law or rule of court. Respectfully submitted, MidPenn Legal Services A r Date e--3 By: Geoffrey Biringer 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 CERTIFICATE OF SERVICE I, Geoffrey M. Biringer, being a member in good standing of the Bar of Pennsylvania, hereby certify that I served a true and correct copy of the foregoing Preliminary Objections to Plaintiff's Complaint on this 3rd day of September, 2008, by placing same in the United States mail, first class, postage prepaid, addressed as follows: Edwin A. Abrahamsen & Assoc. 1729 Pittston Avenue Scranton, PA 18505 MIDPENN LEGAL SERVICES 130 By: , Geoffrey M. iringer Attorney for the Defendant 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 Supreme Court ID#18040 ? -? 4? •_ "R'1 ?• t,.?? ?? ` ?. ;?? ? 1 1 ,, :-: i,?:' Commonwealth Financial Systems,Inc. Plaintiff VS. Jehad A. Ewideh Defendant :IN THE COURT OF COMMON PLEAS :CUMBERLAND COUNTY, PENNSYLVANIA : 08-4766 CIVIL TERM : CIVIL ACTION - LAW Praecipe for Entry of Appearance Please enter my appearance on behalf of the Defendant above. Geoffrey M. Biringer MidPenn Legal Services 401 E.Louther Street Carlisle, PA 17013 (717) 243-9400 Supreme Court ID#18040 rv) I Y W ?e ¦ Complete items 1, 2, and 3. Also complete item 4 if Restricted Delivery is desired. . ¦ Print your name and address on the reverse so that we can return the card to you. ¦ Attach this card to the back of the mailpiece, or on the front if space permits. A. nature ! ` • ? ` ? X ??^^ B. Received by (Printed Name) 1J .0, Z t f i 1 ff ? A gent ? Addressee ate o Delivery '? A9 WC) ? Yes 1. Article Addressed to: tem eren rom D. Is delivery address di If YES, enter delivery address below: ? No C- r„a C= 'C:f E.h7 Q ?? `?j ?( 3. Service Type Certified Mail ? Express Mail 1J? egistered ? Return Receipt for Merchandise A # ? Insured Mail ? C.O.D. c W 4. Restricted Delivery? (Extra Fee) ? Yes 2. Article Number (Transfer from service /a 7 0 0 5 3110 0002 41? 0 3884 PS Form 3811, February 2004 Domestic Return Receipt 102595-02-M-1540 PROOF OF SERVICE OF NIJTIG`E OF AF FI-AL ArTUtfUL-r- -10 FILE COMPLAINT (This goof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing the notice of appeal. Check applicable boxes) COMMONWEALTH OF PENNSYLVANIA Cd0UNTY f?F.. : Ss AFFIDAVIT: I hereby swear or affirm that I served a copy of the Notice of peat Common /PP e s No. upon he District Justice designated therein on ate of service} ??..._. C , k` g , by perso t serece y certified) (registered) mail, sender's re?attac ed eret nd u on the appellee, (name) V ?on o, (certified) (registered) mail, sender's receipt attached hereto. ? by personal service by ( and further that I served the Rule to File a Complaint accompanying the above Notice of Appeal upon the appellee(s) to whom the Rule was addressed on _ ? 19. ? by personal service ? by (certified) `(registered) mail, sender's receipt attached hereto. 5 ,WORN (AFFIRMED) TNISr Y G BEF(_1RE ME Signature of affiant c;fric+?i ,ly commission ¦ Complete items 1, 2, and 3. Also complete item 4 if Restricted Delivery. is desired. - ¦ Print your name and address on the reverse so that we can return the card to you. ¦ Attach this card to the back of the mailpiece, or on the front if space permits. 1. Article Addressed to: ?0, v k L/ ? Agent ? Addressee B. eceived bvlPrinted Name) C. Date of Delivery rl?y' i/?- ?f 8 Is delivery address different from item 1? 13 Yes If YES, enter delivery address below: ? No 3tegistered Service Type ertified Mail ? Express Mall ? Return Receipt for Merchandise ? Insured Mail ? C.O.D. 4. Restricted Delivery? (Extra Fee) ? Yes 2. Article Number ?005 3110 0002 41? 0 3891 (Transfer from service labeq IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA COMMONWEALTH FINANCIAL SYSTEMS, INC. CIVIL ACTION Plaintiff NO.: 08-4766 V. JEHAD A. EDIDEH Defendant PLAINTIFF'S RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS Plaintiff, Commonwealth Financial Systems, Inc., by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., files its Response to Defendant's Preliminary Objections as follows: 1. Admitted. 2. Admitted. 3. Admitted. 4. Admitted. PLAINTIFF'S COMPLAINT IS SUFFICIENTLY SPECIFIC 5. Plaintiff incorporates by reference the allegations of its Complaint as if fully set forth herein at length. 6. Admitted in part. Denied in part. Plaintiff admits only that the Defendant owes the amount set forth in the complaint. It is denied that Plaintiff failed to attach documents pertaining to the Defendant. To the contrary, Plaintiff sufficiently alleged that the cardmember agreement and bills of sale pertain particularly to the Defendant. Moreover, the cardmember agreement that was attached was the agreement governing the defendant's delinquent credit card account. Moreover, it is denied that a cardmember agreement with the defendant's name on it is required to set forth a cause of action. 7. Denied. The Cardmember Agreement is a writing, which speaks for itself. To the extent a further response is deemed necessary, it is specifically denied that the time and place of each instance the Preliminary Objections are conclusions of law to which no response is required. To the extent a further response is deemed necessary, Plaintiff denies that its Complaint fails to conform to rule of court in any manner, and particularly not as alleged by Defendant. Further, it is denied that the Complaint failed to state whether the agreement was written. To the contrary, the Complaint specifically states in paragraph 7 that, "Use of the Citibank credit card was subject to the terms of the Cardmember Agreement, attached hereto and marked Exhibit C." Further, the Cardmember Agreement is a writing which was attached to the Complaint. 8. Denied. Plaintiff denies that it failed to set forth the amount owed by Defendant. To the contrary, the amount owed was alleged in the Complaint. (See Complaint.) 9. Denied. The allegations of paragraph 9 of Defendant's Preliminary Objections are conclusions of law to which no response is required. To the extent a further response is deemed necessary, Plaintiff denies that the Complaint fails to comply with Pa.R.C.P.1019(o in any manner and particularly not as alleged by Defendant. To the contrary, the Complaint sets forth the date the account became delinquent, the specific amount owed, the rate of interest charged, when the Plaintiff acquired the rights to the account and Plaintiff's right to attorneys fees. The allegations are more than sufficient to satisfy the Plaintiffs pleading burden and to permit Defendant to prepare a defense. It is denied that Plaintiff is required to identify every item purchased by Defendant with the credit card or every day and time the card was used. 10. Denied. The allegations of paragraph 10 of Defendant's Preliminary Objections are conclusions of law to which no response is required. To the extent a further response is deemed necessary, Plaintiff denies that the Complaint fails to comply with Pa.R.C.P.1019(f) in any manner and particularly not as alleged by Defendant. To the contrary, the Complaint sets forth the date the account became delinquent, the specific amount owed, the rate of interest charged, when the Plaintiff acquired the rights to the account and Plaintiffs right to attorneys fees. The allegations are more than sufficient to satisfy the Plaintiff s pleading burden and to permit Defendant to prepare a defense. It is denied that Plaintiff is required to identify every item purchased by Defendant with the credit card or every day and time the card was used. 11. Denied. The allegations of paragraph 11 of Defendant's Preliminary Objections are conclusions of law to which no response is required. To the extent a further response is deemed necessary, Plaintiff denies that the Complaint lacks the specificity required by the Rules of Civil Procedure. WHEREFORE, Plaintiff respectfully requests this Honorable Court to deny the Defendant's preliminary objections and grant such other relief as the court deems just and appropriate. THE WRITING UPON WHICH THE CAUSE OF ACTION IS BASED WAS ATTACHED TO THE COMPLAINT 12. Plaintiff incorporates by reference the allegations of its Complaint as if fully set forth herein at length. 13. Denied. Plaintiff denies that its claim is based upon billings and payments. To the contrary, the cause of action is based upon Defendant's failure to satisfy its obligation pursuant to the cardmember agreement, which was attached to the Complaint. Further, the billings and records of payment concern the defendant's use of the credit card, but they are not the documents upon which the action is based. The statements are not the contract in this breach of contract action. 14. Denied. Plaintiff denies that its claim is based upon billings and payments. To the contrary, the cause of action is based upon Defendant's failure to satisfy its obligation pursuant to the cardmember agreement, which was attached to the Complaint. Further, the billings and records of payment concern the defendant's use of the credit card, but they are not the documents upon which the action is based. The statements are not the contract in this breach of contract action. 15. Denied. The cardmember agreement is the document upon which the breach of contract action is based. The cardmember agreement was attached to the complaint. 16. Denied. The allegations of paragraph 16 of Defendant's Preliminary Objections are conclusions of law to which no response is required. To the extent a further response is deemed necessary, Plaintiff denies that it failed to attach the document upon which the cause of action is based. To the contrary, the cardmember agreement is the document upon which the breach of contract action is based. Further, the cardmember agreement was attached to the complaint. 17. Denied. The allegations of paragraph 17 of Defendant's Preliminary Objections are conclusions of law to which no response is required. To the extent a further response is deemed necessary, Plaintiff denies that it failed to attach the document upon which the cause of action is based. To the contrary, the cardmember agreement is the document upon which the breach of contract action is based. Further, the cardmember agreement was attached to the complaint. 18. Denied. The allegations of paragraph 18 of Defendant's Preliminary Objections are conclusions of law to which no response is required. To the extent a further response is deemed necessary, Plaintiff denies that it failed to attach the document upon which the cause of action is based. To the contrary, the cardmember agreement is the document upon which the breach of contract action is based. Further, the cardmember agreement was attached to the complaint. WHEREFORE, Plaintiff respectfully requests this Honorable Court to deny the Defendant's preliminary objections and grant such other relief as the court deems just and appropriate. Respectfully submitted, EdwinA. Abrahamsen & Michael F. Ratchford, Es Attorney I.D. Nos.: 8628: .C. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA COMMONWEALTH FINANCIAL SYSTEMS, INC. CIVIL ACTION Plaintiff V. JEHAD A. EDIDEH Defendant NO.: 08-4766 CERTIFICATE OF SERVICE I, Michael Ratchford, Esquire, hereby certify that I caused a true and correct copy of the Plaintiff's Response to Defendant's Preliminary Objections was served via first class United States Mail, postage prepaid on the date set forth below upon the following: Geoffrey M. Biringer, Esquire MidPenn Legal Services 401 E. Louther Street Carlisle, PA 17013 Attorney for Defendant Date: 6 Q ": z/ ? c - - Michael F. Ratchford, Esquire Edwin A. Abrahamsen & oci Attorney I.D. Nos.: 862 120 N. Keyser Avenu Scranton, PA 18504 G 1 8 71 David 1n. Bueff 1tothonotary 2?irkS. Sohonage, ESQ SoCicitor &nee X Simpson Ft Deputy ftothonotary Irene L. W orrow 2 d Deputy (Prothonotary office of the Prothonotary Cumberland County, Tennsyfvania OA - 41711 10 CIVILTERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 25TH DAY OF OCTOBER, 2011, AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE -THE ABOVE CASE 15 HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R.C.P 230.2 BY THE COURT, DAVID D. BUELL PROTHONOTARY One Courthouse Square • Suite 100 • Carlisle, TA 17013 • (717 240-6195 9 Faj- (717 240-6573