HomeMy WebLinkAbout04-1247IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
ECAST SETTLEMENT CORPORATION
ASSIGNEE OF MBNA AMERICA, N.A,
Plaintiff
VS.
DEBRA L HAKES,
De £endant
NO. ~)14
CIVIL ACTION - LAW
NOTICE
You have been sued m 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 is served, by entering a
written appearance, personally of by attorney, and filing in waiting 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 document, or for any other claim or relief requested by he
Plaintiff. You may lose money or property or other right 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 TO
FIND OUT WHERE YOU CAN GET LEGAL HELP.
NOTICIA
Le han demandado a used en la corte. Si used quaere defensas de esas demandas expuestas en las
paginas, siguientes, used tiene viente (20) dias de plazo al partir de la fecha de lademanda y la not/fiat/on.
Used debe presentar una apariencia escrita o en persona o por abogado y archivar en la corte en forma
escrita sus defensas o sus objeciones a last demandas en contra de su persona. Sea avisado que si used no
se defienda, la corte tomara medidas y psedido entrar una orden contra used sin previo aviso o
notificacion y por cualquier queja o alivio que es pedido en la peticion de demanda. Used puede perder
dinero o sus propiedades o otros derechos importantes para used.
LLEVE ESTA DEMANDA A UN ABODOAGO IMMED[ATAMENTE. SI NO TIENE ABOGADO 0
SI NO TIENE EL DINERO SUFFICIENTE DE PAGAR TAL SERVICIO VAYA EN PERSONA 0
LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABA JO
PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSITANCIA LEGAL.
Court Administrator
Cumberland County Court House
1 Court House Square, 4~' Floor
Carlisle, Pennsylvania 17013
(717) 240-6200
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
ECAST SETTLEMENT CORPORATION
ASSIGNEE OF MBNA AMERICA, N.A,
Plaintiff
VS.
DEBRA LHAKES,
CIVIL ACTION - LAW
De fendants
COMPLAINT
AND NOW, comes the Plaintiff, by and through its attorneys, Amy F. Wolfson, Esquire,
and the law firm of Wolpoff & Abramson, LLP, and files the within Complaint and in support
avers as Follows:
1. Plaintiff, ECAST SETTLEMENT CORPORATION ASSIGNEE OF MBNA
AMERICA, N.A, is a New York corporation doing business within the Commonwealth of
Pennsylvania, and the other states of the United States, with its principal place of business
situated at 383 Madison Avenue, New York, New York 10179.
2. Defendant, DEBRA L HAKES, is an adult individual with a last known address
of 850 M ELISSA CT, CUMBERLAND County, ENOLA PA 17025-1551.
3. It is averred that Defendant was issued an open end credit card account. A true
and correct copy of the Credit Card Agreement Additional Terms and Conditions is attached
hereto, incorporated herein and marked as Exhibit "A".
4. At all relevant times material hereto, Defendant has been a regular user of said
charge card for the purchase of products, goods and/or for obtaining services from Plaintiff or
Plaintiff's licensees.
5. Defendant has been provided with copies of the Statements of Account accurately
showing all debits and credits for transactions on the aforementioned credit card account.
6. Defendant did not object to the above mentioned Statements of Account
st~bmitted by Plaintiff to Defendant.
7. Pursuant to the Credit Card Agreement, which Defendant received when the
aforementioned credit was issued, the parties agreed that this matter be referred to Arbitration in
the event of any claim and/or dispute if the account is referred for collection. See Exhibit "A" as
previously identified and incorporated herein.
8. That this matter was referred to Arbitration for determination and disposition,
whereby an Arbitration Award was entered against the Defendant and in favor of the Plaintiff for
the outstanding balance due. A true and correct copy of the Arbitration Award is attached hereto,
incorporated herein and marked as Exhibit "B".
9. That Defendant has made sporadic and irregular payments which have been
applied to the outstanding balance of this account.
I0. As of the date of the within Complaint, the remaining balance due, owing and
unpaid on Defendant's credit card account, as a result of charges made by said Defendant and/or
any authorized users is the sum of $9,220.88.
11. Despite reasonable and repeated demands for payment, Defendant has failed,
refused and continues to refi~se to pay all sums due and owing on the aforementioned account
balance, all to the damage and detriment of the Plaintiff,
2
12. Pursuant to the Credit Card Agreement, any unpaid and/or delinquent balances on
said account shall continue to bear interest at the rate of eighteen (18%) percent. See Exhibit
"A" as previously identi fled and incorporated herein.
13. The amount of contractual interest which has accrued on the aforementioned
account from the date of the Arbitration Award, is the sum of $716.20.
14. Plaintiff has retained the services of the law firm of Wolpoff& Abramson, LLP in
the collection of the amount due from Defendant.
15. Any and all conditions precedent to the bringing of this action have been
performed by Plainti ff.
16, The amount in controversy is within the jurisdictional amount requiring
compulsory arbitration.
WHEREFORE, Plaintiff; ECAST SETTLEMENT CORPORATION, respectfully
requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant,
DEBRA L HAKES, in the amount of $9,220.88, plus contractual interest at a rate of eighteen
(18%) percent in the amount of $716.20, plus costs of this action and such other relief as the
Court deems proper and just.
Respectfully submitted,
Am~ lr~ez~
Wolpoff& Abramso'n, LLP
267 East Market Street
York, PA 17403
(717) 846-1252
ID No. 87062
Attorney for Plaintiff
VERIFICATION
Amy F. Wolfson, Esquire, hereby states that she is the attorney for the Plaintiff, ECAST
SETTLEMENT CORPORATION, who is located outside of this jurisdiction and in order to file
the within document in an expedient and timely manner, she is authorized to take this
verification on behalf of said Plaintiff in the within action and verifies that the statements made
in the foregoing Complaint are true and correct to the best of her knowledge, information, and
belief, based upon information provided by the Plaintiff.
The undersigned understands that false statements herein are made subject to the
penalties of 18 Pa.C.S. Section 4904, relating to unswom falsification to authorities.
Date: March 3, 2004
Wolpo ff & Abramson, LLP
267 East Market Street
York, PA 17403
(717) 846-1252
ID No. 87062
Attorney for Plaintiff
EXHIBIT "A"
a.~, you tn: v,' d~s~ ~ne~o~produc~s ~nd~ ·,
M ~'~A ~nd dutS~de o~ ~NA Mt~
you f~ce~.'e v/'rle~ ~'/~ sh~te:~o~dou =oDu~ },off, ..
Corporation and S{ MSNA affiliates, including
Ame¢[ca Bank N.h.,'M~NAAmer{cMhdawareJ,.flA
Information S~M~ !n~,t]
lac,, ~nd MBNA
.by ~n~ Jaws o~ &~ Un{~d &a~ S~ America, ?~ s
e.,.p]a ns h<SNA~ mo m~ on co~{e~ion and
. .. moose
sh~rng pr~ctccs~ndle~you ' "
~r .SecuFiU ~roce~zes: ~IBNA un~erstendstf ·
[mpact~ace o[pr&t~in~ ~nd F~cu~i~ i~brm~tion,~:
usin~ it appmprle~eJy, Access,to 4~[ormaban abo~q Y
provide prod ucts or ~eMcas ~o you)?e m~ieta{n Pb'S';· ' :'
elect~o ~i4,' dna' procedu~ls~fegffards'~h~Cddmply Yal
When MBNA shac~s in~ormzdon.~bouWou with
and to r~turn t to us or d~stroy It.once that pu~o]~ l
se~'~d, We Jim ~ th~ amount oLin~ormatlon ~har~?c]'. "
~vh a,~ is ~pprap;iat8 to affe~ a pfod~,orse¢~c~ e,~ i,
mat on from NIa~ ~o sl~n a Confldmtiali~ k~?~m' ['
con{ainin~ t hes~'r~qulr~nts a~d obligati? Lj?~ i
co?s L'r:~r repo4in~ ~?nci~, to
cred ~t, or other r~i&-io~lships;
ice ~ompanies within bIaNA to of/eraddRioM prcdu
We believe thls is canyon(eat for
epp}ica~ions}, ando:h~r information, %a dedsimtc
Om f-riffS ~OU addl~ on~l production
pr0hibk us from ~ = ' ~ "
time. v/e may d/ow comp~meSmOU~sroao[ N~NAto..:
you ~he/, p~odua~ ancJ~e,vl~e~ that ~-y lmer~s,~w.
These products and ~ewices ~aybe of(aced by
semce pcav dars (such ~s ba~k~, Io~ n broka~, acc .::-
mo~a~ bankers, ~nd securmes brok=r dealers),~-
finandd companies (such a~ retailers, d
cam mun icatbns eomp~n ifs, Internet serwce
manufacturers, so.ice companies, travel a~mts, cn
J inek, c~r rental agencies, hotels, acl'n~s, publisher
and argo mzat on~ endorsip~ MBIq,A financial pratt
· or se~ices2, and othe;~ (such as ~oapcoh~ o~gaR
Sub' lect to applicable law, ~,z~ may~hare ' all "thelnk
tiaa ~e callec~ with'
th~se compare es 0u ~ade of M
Additionally, ~e m~ sham all
campanlq~ ~hat perhcm ma
v,' ~h wh ch we have [obi marketin~ a~reem~nt~. ~
.1 , cdb awtoshar~inbrm~mna
4 .' ptoduc~ and ~e~ic~s~hroughafiini~y~r~-u"
outside o~ MONA t~t wish to offer you theh'produc~s
so p~eas~ haw a[~ youraccaunt, membershi?, oF
adhere to its disclosed.prl:¢ac~tpri~ic~s Ior.e~5
~vea l~ l( becomes mad[ye obi~. cb=ed,
An opt out ~rcm information sharing ~n. an account
as reset'bad above, ~the/wi~Xiff.~BN& a~r
an '~ccount h~s previously opted out ff~m ekher b'pe
of ~fo~auon snanng, please remer,,u=~.v/hen, sou.
receive our subsequen~ flot~ces that an accoum prexous)y
outa~aiB,
$his notice ~pd~tes and tapiocas any pr~fious
Kot~ces from M'BNA abdut the priva~, s~cdri~, and
protection of information, For additional information
raga?d i r,g MSNA's..pnwcy pract ces.~onc~
prlvacy not ce, p[ease, go. to ,v.~v-mbnwc°~- _ ~nd dick
o_ ,,~.: ..... ~;c=" You may have other privac~ ~r~
you, ~ ~ - , - "you
-~-,-~ ---~ ar uc= ~n ¢ccaun~ w~ hal& .
al=~- .me=n.=n~ other- - - pa man' wa9. n a-= t~=u~" = --.- ~ --
Cregff~ ' .... "
n~e, ~d,:re~=, horn. phone number, ~n 'i
-- You ma'/.oMa in c;edi~ in the form o~
tile transaction date Dr Check C~sh Aovance~ and
check. Th4 tr~a~b~ &re bra r~tumed ~a~- t_.~ ~, :' '
P~rposes FO, ~ . Acco~:t "
Yog ma~ Us~ vo~raccoUn ~or person~l, b%i¥,9~s~ or } 5i:
pugases' yaumqno~U=.yauracc~ ~.-~rash ti .f.
t
p,o'na~ u~ ~'~m t~e acc~ check numb:~ d.~ ~-~ .........
oD ~ n~ w:, co fo,.!uo~= all PurcMs~ eno C~l~ Ad'/ance~,
. . .
payment Due ~flown on :/our monthly star,mm
· . pav'men~ Due O~te. ~bu r~aypa,' the en~tre ~aau,~; youowe '.
M,m~u~ P~Ym=~ Du~will nat
~cca~nL ~'e w[ll.no~ pay ]n~er~st oD suc~ amo. a~s,
~lec~ pa)'m~n~s ~h~t are not drawn )n U.S. doltara and t~ose
~ npt avoidth~ a~sess:~ent of Overlimi~ Fees,
:j ~ .
~ddre~s ~hown In tM uuaer lek.h~nd ~maro~ the
:J ~urman~h/y ~l~temen~;'(~ pa~d?h ache~dn~n
. pamida a(~ou:'~a~eman~ ~ccomp~nyrn~ jr.
received ~fer 2 p m, on ~ny day indud n~ th~ PermanoX?.
c gdh.d as a~ tM n.x~ da~, C~.df~/areny a&er p~l '
'~r~me~, YgN mus~,re=u~ m~k,n~,.~ holidaY, .'~ ·
,~' sb:s~le~ &a~s ~,,U) be prodded~orrreeiand · '
· ~ in~ed byos asociaLed'~i~hc~[Fin~
; { ~ropa~, [ava, . . ,
Phaae t,,/Je,x you Reqa =d Feaer. I p~scb_.ur., or la, .
~our acc~ubL , . .
I ~ime ~d ti~e byor dn behaff a~ NBNA'Amar[~, Were~ Y,-?, ;'.,. '":~
IR~ ~%Ve'~reno~ li~ble~or~nyre~ualt~ hoaqr~0ur~b ~) :
'd an~cn~¢k Whiten on ~aur ~coun~. W~r~n~te~ ,,
~,:coua~ ah~¢ yoi~ ~'/~ F~que~ted to dose the ~ccoua~,
V/e m~v ~: ~n'dm=, and without notke to
'or tradUCerS'our recount, a~y sums du~ on four ac?un~.
CmditAwi{~bladoe~ ~m~ ~e im~ a~unt ~n~., u ' i.
~. pmmp~l? or t'e~r new gddre~, , ' ' ":
~,' ~h4s~/ pphe~ . : ... ,
?Ms A~rea,~_n~ b m~d~ In D~ ay,ara and we
I enyprovmon.or ~AsA~a~m~n~ ~ loudd tobein;'aJi~
~ · Our ia'[ur~ or d~la~'l~ ezerdsma an$ o[our rkht~ mdet
thisA~reement does ' ' '
~ho~e rights later.. ,
~h~s ~;bht, uo~ and LtU~lon p~Vl~lonapp[~¢s to ~ .. .:
. euch ~ Favi~ion. you ~raed cha any li~i~aion ~roui~ b~'o~ .
~ rbi,:r~ tar she ~ follow ~4stin~ s ub~tanHv~ l ay4o the
pa~r/mqu~s~s, ~he ~rbiUator shaJl~vrit~ ~a opinion.containi
hi~ claim submi~d ~S ~raitrad~n is,heard,bye ju~ '
'n~ CMm may b~ brou~M ~s~ clas~ achon ~ras ap dw~ '"
cl= i~n~ wPh resp~ to ~nv CJeM. ?his A'roitr~vn
Liti~don 6edlon ,applNs t6 ~11 Cl~i~s now~n ~:¢men? c. j [:
Th s A bltra~ on and Litigation 5ec~ba sh~}l suMv'e
p~y~nbo~the deb~fn lei[ b~you, anyba nkmp¢~ bY ~u
%v e"~ nd "us" ~ans M~NA A~enca ~nk, N,A,, i~s p~.n,
a ffkecs, directors, employa~s, aSents ~d a~iSns ar a~
wtth~he~ccoun~ (aciudm:bu?ot l~ml~e t ..
~e~chants that accept ~ny cte&~ d~vlce iss,Jed un, er
w, and ~ents) fi, and only if, i~h a~hl~pa~Y{:
na~d h~ you as ~ to.defendant m ~ny Cl~.y~ ass ..,
a~a{nst us, ..
' - , *, ~, '~ bitratian and bi i6~cion 5action
[aund ~ b~ ;n~ah~ or unen[orc.~l-.und, t~,~}~% ttstcr
c~nsis~en~ wi~h ~he F~, the reman~ o[:T)~ ~iard to
EXCEPTA~ PROVIDED ASGV~, ~k~ ~h ~u,%T cot :.
' I~ :'"' ''
[ ou~din~ b~bnce, your cr~di~ llmR Ino~AL, F~, AR, DE, .
w~&XYl'~, ~,our or your spoUse's unpaid laave of ~b~ce .
ch d oran [a~pa(kaNd immedia ~ famliymembe'c,Jmys~ be '
~.ou~e chi d' steochild or parent in AK: mindata~ ~diti to ,
. ~cl{vs m~ttt~ du~y; luff duty
; s' [kes u nlonPed ]~'bor d'~putes g lockouts you mus~
~mtoR=[[ seb aft c~.o m ur
?~A~r W, Fa~ib' Leave i~ n~ ~val~o[e aAL, ~ MA, ~o, .
AS LOl '"~.(, l/9'7L LO!C-lP-X3OJ96},
A~, D~, 0C, fO, lt.., LA., K~, iA, MD, ?,,,IN, NS, N~5 ffD..OH, 0,%
SO, ,ff;,WA VA~ & ~;f~ ~ and~rc Guarani' {,ih TZonly~'
FL-I~ 4/9~ in IL & INI FL~IP-~
(4~91 in~' E; FL-IP.~V~' 097}
ag~nt~ ~o; Mi~issip9~ ~nd Florida ar Ch~es kl,Oordon ad
p~da CuN~s rasp~cdw~. ~ '
' ",
'Less oas~ due and over cradl~ h~k am~,~,~)~,~_ ~ ·
EXHIBIT "B"
eCAST Settlement Corporation
c/o Wolpoff & Abramson, L.L.P.
Attorneys in the Practice of Debt Collection
702 King Farm Blvd, Two Irvington Centre
Rockville, MD 20850-5775
CLAIMANT(s),
Debra L Hakes
850 Melissa Ct
ENOLA, PA 170251551
Iii
NATIONAL
ARBITRATION
FORUM ®
AWARD
eCAST Settlement Corporation v Debra L Hakes
File Number: FA0305000156882
Claimant File Number: 2924700929906039
RESPONDENT(s).
The undersigned Arbitrator in this case FINDS:
1. That no known conflict of interest exists.
2. That on or before 05/08/2003 the Parties entered into an agreement providing that this matter shall be
resolved through binding arbitration in accordance with the Forum Code of Procedure.
3. That the Claimant has filed a claim with the Forum and served it on the Respondent in accordance with Rule 6.
4. That the matter has proceeded in accord with the applicable Forum Code of Procedure.
5. The Parties have had the opportunity to present all evidence and information to the Arbitrator.
6. That the Arbitrator has reviewed all evidence and information submitted in this case.
7. That the information and evidence submitted supports the issuance of an Award as stated.
Therefore, the Arbitrator ISSUES:
An Award in favor of the Claimant, for a total amount of $9,220.88.
Entered in the State of Pennsylvania
Arbitrator
Date: 10/29/2003
ACKNOWLEDGEMENT AND CERTIFICATE
OF SERVICE
This Award was duly entered and the Forum hereby
certifies that a copy of this Award was sent by f'n'st
class mail postage prepaid to the parties at the above
referenced addresses on this date.
Honorable Harold Kalina
Director of Arbitration
10/29/2003
SHERIFF'S RETURN
CASE NO: 2004-01247 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
- NOT FOUND
ECAST SETTLEMENT CORPORATION
VS
HAKES DEBRA L
R. Thomas Kline
duly sworn according to law, says, that he made a diligent
inquiry for the within named DEFENDANT
HAKES DEBRA L
unable to locate Her
COMPLAINT & NOTICE
,Sheriff or Deputy Sheriff, who being
search and
in his bailiwick.
but was
He therefore returns the
the within named DEFENDANT
, HAKES DEBRA L
, NOT FOUND , as to
850 MELISSA CT
ENOLA, PA 17025
PER POST OFFICE,
625 CHATH3~M WAY LITITZ,
DEFENDANT'S NEW ADDRESS IS
PA 17543.
Sheriff's Costs:
Docketing 18.00
Service 10.35
Not Found 5.00
Surcharge 10.00
.00
43.35
R. Thomas Kline
Sheriff of Cumberland County
WOLPOFF & ABRAMSON
04/15/2004
Sworn and subscribed to before me
this I q~ day of
~OuI A.D.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
ECAST SETTLEMENT CORPORATION
ASSIGNEE OF MBNA AMERICA, N.A.
Plaintiff
VS.
DEBRA L. HAKES
Defendant
No. 2004-01247
PRAECIPE TO DISMISS WITHOUT PRE~IUDICE
TO THE PROTHONOTARY OF SAID COURT:
Please dismiss the above captioned action without prejudice.
Date: April 26, 2004
Amy F.t W°l~n, Esquire ~
WOLPOF_F_ & AB_RAM~I, LLP
267 East Market Street//
York, PA 17403
(717) 846-1252
ID No. 87062
Attorney for the Plaintiff