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HomeMy WebLinkAbout08-6765IN 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: IMRAN MAHMOOD 9052 POSSUM HOLLOW RD SHIPPENSBURG PA 17257 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. IMRAN MAHMOOD NO: a 9 G 7 G Y 9052 POSSUM HOLLOW RD SHIPPENSBURG PA 17257 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 IMRAN MAHMOOD (hereinafter "Defendant") is an adult individual residing at 9052 POSSUM HOLLOW RD SHIPPENSBURG PA 17257. 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 with the account number 5491130368693370. 5. The within account was sold by CITIBANK 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 February 2, 2006 Plaintiff was assigned all rights to certain credit card accounts from Unifund, including the account opened by Defendant with account number 5491130368693370. (See, Bill of Sale, Affidavit, and Assignment attached hereto as Exhibit "B.") 7. Use of the CITIBANK 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 credit card account number 5491130368693370, 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 January 5, 2005 . 12. The principal amount was $10,899.83 at the time it was received by Plaintiff. 13. Pursuant to the account agreement, any unpaid balance accrues interest at the rate of 31 %. 14. The total amount due and owing the Plaintiff including interest, is $23,687.17. 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 $23,687.17 plus costs of suit, reasonable attorneys' fees and any other relief as the Court deems just and appropriate. y su Assoc. ?aw' in A. Abrahame,Esquire Heather K. ff, Esquire Michael F. R/Avenue Attorney I.D86285/207805 1729 Pittsto 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. Ift of January 6, 2005, between 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 Fails, SD 57117 (the "Bank") and Unifund CCR Partners, located at 10625 Techwoods THIS BILL OF SALE, ASSIGNMENT AND ASSUMPT70N AGREEMENT is dated as Circle, Cincinnati, OH 45242 ("Buyer") For value received and subject to the terms and conditions of the Purchase and Sale Agreement darted January 6, 2005, between Buyer and the Bank (the "Agreement"), the Bank does hereby transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's successors and assigns, good and marketable title to the Accounts described in Section 1.2 of the Agreement, free and clear of all encumbrances, equity, lien, pledge, charge, claim, or security interest. This Bill of Sale, Assignment and Assumption Agreement is executed without recourse and without representations or warranties including, without limitation, warranties as to collects bi lity. Citibank Nation Ass By: Name: BILL OF SALE, ASSIGNMENT AND ASSUMPTION AGREEMENT h Dakota)/ Unifund CCR Partners ;iation 8-c?- By: VP (Signature) k-.-,...(606) 331-P8S5 Title: Name: wil 1? • /Yoxv) 4Mq Title: &PYra/ vMrur*hW 124r.drrc Xk, > 6 it 6 uniFund Unifund CCR Partners BILL OF SALE Unifund CCR Partners, for value received and in accordance with the terms of the Accounts Receivable Purchase Agreement by and among Unifund CCR Partners and Commonwealth Financial. Systems, Inc.. ("Purchaser"), dated as of January 30, 2006 (the "Agreement'), does hereby sell, assign, and transfer to Purchaser all of its good and marketable title, free and clean of all liens, claims and encumbrances in and to the Accounts listed in the Account Schcdule attached as Appendix A to the Agreement, without recourse and without representation or warranty of collectibility, or otherwise, except to the extent stated in the Agreement. Executed on '-, 61 n ft l .???tr LNU UM CCR PARTNERS By Credit Card Receivables Fund, Inc. Its General Partner By ?. l David Rosenberg President For Unifund Use ONLY 35 Client PIA CID # ?' ThlS Card AgreernenlR wit€ch includes.yout'card carrier, your,cotltrar:t v,ith us and gotterris t!eiuse of yopr cafd and accorint. The card carter coiitains:iniportant account , " ? ,? t mfo rmahop; inciudtig;your arirta?`p"erci};it?gei rates;and the . amount of anymembership tee P[sas"e'?read and keep these' 'docvr'nenls?or?your'ro?r4s'?"x?'' '? , `1=A?CT'S `ABbUT iR?7 ES ANO PEES A y. For comp16 'ir`ito`rmaCon about'thase`facis; pease ses the related sections in this Caid A rcement. 9 - .., RATES.?--FINANCE'CHA'HGES?'` J ".t urcfiase and Cash Advanie'APRi;:See card carrier. All ! ' ApRs basod ri e P " '' o itfi iris Ra`fe`'Ma yp.: i0 billing period. i: • f :' • :t ` l ° r . ? ? . ?I . _ ?. . .... i ill tli .? f : F. Default At'IR See card;cartier'The Oeta?t APR?equals' t1e , > ? . ; PrinWAMe,pNiisupto2399°k`orupolo'2899Qi'a,vih?chever.is i?lt APR ie a t L ? s 'ih `D r pDr s m y automatically ncrea e, p to e efault APt;.lt?rfltf:tall to make'Wpaym Oto,UVWiMAO, exceed your credit 16e, or make.a payment to its thal'€s not honored, ?. Minimum Finance. Charfle: $0.5D. THANSAC;CeCN FEES---FINANCE«-lit?1RG ES ,Balat?c; Transfer Fee 39: of eachpl}atanrr transfer••$5 - ?, mm(mum+5S7S,maxrrourn ,;`??,+''r??,,:ri.?,r Purchat?es Made to a foreign Cp?ncy;?ee 3°ro?af?eacfi f , ?' purchase?,its??nuers?on ?ntv tl S Fdotlars ? ' E 5 , { Casti?AdvanCeee, 3°,i of each cash advance $5 mu[mum . Y k 1 d f L r+=? TS iT .. f x :? Rk E K -FEF OTHER S ?. . tate;fNe:,St5,Qn balances up io $iOp;,S29 an:balancas of v100,0:A(2?254319 on balances bf:1250:at &0; r. qoe the?C etlit-Une:frae: S39. , Annual,iVle bejship Pee 5ce'?5fd caraei i Returrifltl?'?miertt ?ee•?$39~ } ' I , Retucried ?omrentence Gbeck Fee $39 5to P?aY m'int on Conventence*eck fee: 539 p` . , Retas, tees, and farina, may change: We may change the rates, tees, aW.terms of.your acc nt at any time for any reason' Theserreasons!mW be'based on lodormation in- ou your eredit nsport -stich-as your fjllu' rg Q. 'I ii ke paymQp;s to anatljercredltor.when'dtie, amooiits awed to bthet credltrtrs, tfie nttmtterbt 4idit accounts outstanding; or the,,aAbeKof aedit tilquines?tT€tese reasons mayatsp'indrfde cutnpatittve ? ': or maifiet Rife, ? iectots °31t vreimake ;i chamQa for ariy lhese;reasoas;,you ititl;iecelvo;advance ni)t€ce and a rlght to opt out in accordance with applicable law. 4 4 CPr T?? ' + t ,.; - -- yne'tw,^?E,?t(gg.,u ,? ze,r,.,., aua..,w.w,..,.•...... ,J! ( -in W-? CI M, c?u ` E rt? due, andeyluit¢uG ditg? aY?sc shoy+ :Your ta?ri eht ??, y .? h r, ?,: fxp esta.ist'ffe'ori and us by crediYlfnandch°a'dtiaiice. ` ' ?tferiad:.ti `? ds^ `tit' ent "•ttns Car elif " " Char es aafi ""' MW °`:s?.%.x#': 4 ,. Hf1d;Fitlt?,r3Tett' sunltna acid D?ftr ! wr }aim I?tM APR? Rartattt trio Gon. p tateltie } ge rgte im per:s hlodly one , arrthc ' RETSe(1 yziur: , u o?use '%?' acco: nt, address You: f aot! r ustp eM!Pe;o# 'ofsaripean ',. rw r , J ., ifi'u?e deem yntr cotrecti tel..: address r. ? btdo r instsiu card , e cards or btha??, .. ccess° tle lcs i .. , canecban pracerrdings by'sGp ng Vo an n?ts?dertaenrapof 4 , 11 ro; 11.! tuiclup> r'numbers shat wasett 2t?'afnain ariome1or cotltion? ,iitay"stcp sedmg you"stinehts:. - # cretiittm' GaudJtpree?ntyl i?t Periodic }?nande,ehargdsand tee's'corfnue`to ' ' ta'? b?btaAg?8r3t) ?2oa?r?eatand t#?e +re sfgp serid?n??slaternAnis _ c:id cirri " , Tilt :total amounE ou;oYa?,s Satairce ears as i.7W rr. { wa, ur,,and:aur Citit?dni` isarrftr Dakota } ri.A., e issuer of dh.. 1-111"'.... -7. Qi W inr; th?Atevl,tarl'k toe t Your arcoirrn h begin vr?ih tpe total balance, et the?st3a thG?b)mg per?Od j you, your. and yrs'the perscri°;v?fiop led;aph the V,?e•allY,Pa q....a c`gas?dvattCe? a"ttd sUbtf?i Ct2?ty ` ,?. creditsvr aym hiS. 1 .4 (edl a 'ss:ottha ? 1 eriot#'"IWe ai courtt and any other, personpq ter 1 ?ng c4'Itt then abd a rps?i©dE°i `rpiap epand make otfier r WOW this ? VmneM, mbtudmg the VOM. ? o "Fttor q t ,IrrgStatE j adlustmerlts wtt? ?. tll?{ r 1 irter? r AAF3S *?? r ;? ?? S ? 4 !,, tYaur}Accot?nl` L RPf38ased on4P'r?me?tlhre lrlie arry,'AfaR basedun,;the t YOupreeta:useyaw•ant?n?eeortlanci3+vilh.lhis •-r f , i , :hgrewnentislstrtdfrt U S FntneEftat+?.rPnmg ata,tsbytaddlntNmeiappi?cabte g Apiersmeiit This Y9u?uness }rou amoiintthatap"pears on a Card camera:#t1ea??ntnetRate , ctCd yrogr•au?ourtrtPcThrnf! ` " s a1tlErvfr?ht¢ ??ra ?,.., For. Bath pilling etitt]ieraM YOU period we use the.Pr{me_Ta#e publlshet3 a6 d:g+otfhaveno'tvsetfa=autfionaed.us TNe.E'Oieet;?aurrlalfi+ro.busin3.di , must pay; us far alFaniotirits d- ' oti }vui•' 0011 as spectf d t° 1e ` ' in this;4preament. Your account must'0f btt use forfavAul StateinenllGl irig.Datetutttiatbi(l'- ,'afitid 1} Aswill trahsacbons: 5treer;raua+'does-riot pupltsbihe°prima;Rate, +;rnay ?., subsfifute a sifarpuliUshed rate'A tiliaripp in>m APR due Auilmri ad;#lterrat*tw,lna +p#I"'OVINJO Users:to use >, . lb a cherhgeln i?rfine't?'!a #?kes% tit. usm s ,P#t is tiist lay. yCurar otatt:Youm?yxreque; s ar:auiharrttd ofttre: IM , Op rtrust g e+ibd for whk sae t ?cul?e,thG AP R, 1 'e apply paytfs for a)f clre f,authanzed the neer appliOtife APR to any ezisttng batalics; sUbtect to users ¢tren ,you dtd not Jnteadto'be,re5 is te'[dr tbbse any prorhotronaf rate that may apyl oftsrg?s Ynu ntlrat nbtity us to`reCe pitnrioh you `, .. t3efault Rate. Ail your RPRs 1na}?lriarfjaslx fdude}cult under g roan aid]rot?zetl ifser fo t ae a card dr touseyour account 1 IVO any ltpreemenl thet you Dave;vnih us' eau.defa you fait e Credit Lino: Your inr'tral oredg #? appears on the card carriar, make. a payment to u5 when dme, you 06eii your ctedrf line; The fail amount of your' edit Ifr?e is avahabfe to bt+fr or lease or you Masi a *ment tO* ut tat li%ft. , oted in: these . ' goads or services vrhere th6 cartf;ls honored &t,of your_ Circurttstatu'es vrefilay aut?ticaliy incnOse jrour APRs credo rma card tha.c 0 T-1 unk, fs vailah? toy Cash: t?ncludinp anY promotional APRs Qp elf Tratanccs to itie. YW" advances We m$y chanpeya Ane or asp, 440crt " DE}auft APtt, irhTch equaf$. tha?P± T a ;piUT up to 23,99%, G1rih,i tiant forn?«4V8Fwlalaio6ir}ypinfany or upa 2f39g'le; c6tdctrevertsp?rteG Aattnrs ton$idered in ctlange, fwt the titan .may ke elTeatt?etoM receNe the derorriminr?? your Default APft rnay. #nchtde ti tw tgng jrour n aThet>pe Your in+?ludtn perigdi at?covnt has then open; the btning or Senpusnes$ of a det,lt tin s Tees mu5i . So rt mafin lx4iovr the urtdCi any Card Agrtement that you. Rave with u5, Or other credit im oWaver; the total li lanCa ezceeds;pavr credit indlrattiohs ??} aCSourit performance. The Default APR takes fine yott.musE stl1R pay us, #t your acaount.ha$ a aedlt effect as Of 111i* first day of the I)MIng' period ln.which you 631aruan rye.may, reduce rite cr.Daianccar A" rle+x._ deiauit Ydtt may iorver the APA }or riew prrrses andleir charges,on your accxlufif. Ytiu. ntny gat maftttafn a credd , . sash ad ces you meet the terri>s of t=tl Card. AgreGirlenis baiatlee:in t 5 4t your cr>;df? life , that Ydd Wth us }or six cbaseWIN* Altrty periods. 8Nlin f3tate#itihT» Ycur l( r1g,slatemerit ,hm the total Existing balances remain su6Ject•to the Default APR untH Paid bata}ice,? pt i?O' leA6aat a charges; fees, nrrnurri`arttaunt in fufi, unless we ieli you oiher?rrse, : 7 h0eases i l.f an APR;increasesj periodic. s arjcrwwae and yrourrntMinuin:payment may rnartce Charges Based dh APRs cif; Itargea-Pendre.finance,charges are t th?r 9rn !ikA A in" riilid.. trrsi,irif v. h3,i.a+ W` ". . itOrdiflPeni tErrtlSfpfre?arrtp(x;,starj?ard purchases <t off t dV e h* fibhs h l h d f pcpto er T c a ;cas c l e a ams, n ; ` is frr1 arjce chargeiOie 3tirttpTpertOd equals the,da?hr ' ' ' '` ` ? n bal? iicel or leacttdayvntita; e5ch ic:ftnanceCtu??s;br period:;TtNsetltoifpi;aalc.atiiig perodic finance s ti cults daihj.Compiouhdinq'_ot'iinance tlsargi s, t Periodic Finance:6harpes l3egi i to'ACcMe: Periodic . t r cttarpes begM to M=6 on a :cltarge:trom the date t ded to the daily balerice 2nd cphtinue fo'accrue until ' d e*d;16, youriaecoant (Charges rric{uric i?? in tuil is orKt a sss balance:;tta?sfers cash advances; tiansaCliori ` -. ti ther rees, acid any` mihimum tinance charge) You can amirnen, ue d3teon thatstatetnent and.you pay your New klamce by the payrpent due date on your current staiernem, 'it you rnade a balance transfer, you may be usable to awold periodic finance charges on w purchases: as des+.:ribed in ttie balance transfer offer. Calcutation of Periodic Finance Charges: Fat each"balance 3ve titultipl,? the daily balance by the `'abplicahle dailype?bdre rate::We do!this-toi• each day in tare ?a7ilinq ericd A rtaNy,perioillc rte rs the applicable APR {dlvKle?by 6a A'01111ng period begins on tfle da,? after the 15tatemeht/Cltysino' 'site 'Of the re1Ious biitirtg period and . >iiiciudesIt.0. Sta the' 6 7 . fosiRg Daie`o't IN' current bill* period. •To'17j1 the iiairy.balanoe;vie take the beginning balance ;tor cacti baianceiei+ery dayy (irtcludino uop#d, periodic finance `chaigesfrofn.previqus bflling periods) idd:any.neW ciiarg ; and att. pEilo. I I patice otiaKge on the previous day's' :balance :stibiract arry'cred'its?ar paytitE t§ credited as-o1 that.... day, andfinalse ptitet adtustinen# A credit: balaiicc is ireatc :' saD IVIC,007iero We Add 0,0006 Aolhs.daliy balance as Wlo?vst Vic add a punrh'ase:toitR appropriate balance as of the Sale Date on the Whi statement. We add a balance transfer or cash advance to the appropriate balance as of the Post tale or, the statement: We add any transaction fees for purchases, E' 4 ?.oh,tr.hnr• ..,n ':;.,.;pi+,.?•»[a:=:....+,.awm++l+?! .... ........... ... ..... .... ..., ..... r? ? t ?r i[1.• Sri , ' ,'r er ?J? „ i • a SK a ? 4a iriSlers;pr:caShaQ;arices:to.thesem.ebatailce? ,->° Sactton as-ot'the same date this transactian:f5: t .:. ?ertaity ?31aCrce TtiE Post Bate is the d:?te.;tive ? ,. r. feduest fo°r. the balance transfer or cailfildvance, i regdestthat the complete a balance trat?sf, or V ii60 a;leaoimce en?ence ahecft t'or aspecfitlc arnotint 1f :.. f . trdrtster or htimvenience check disc . e 'tfie Post Date is the date Kee. receive the;check ; t{t tt^ i eitflbl perodic hnance charge..vie add up all of the. i pl?finance charges tor;eacM balance for Each day ig,panod balance, the Balance Sobiect to Finance Charge ion it s the ati?erage of the My balances during-the otl. If yrou:rnul#ipl c this figurt' (or ezWbalanee-by, r of da *in the bitting period and bye t1>g aypNG bt0 if)cra , the result is the periodic finance charges: Or, that balance, bx6ept'iDr minor variations caused Finance Ctia.rge: If the periodic rate finance cha ge. inv se.be less than $0.50, vie assess a.inininium :ktAH0.91 ;;6.% We add the amount tolany it is assessed a finance charge. Transaction Fees It has and APRs: it you are assessed a transaction ilaneestransti:r, a purchase made in a foreign it a caste advance, the transaction fee 011 cause foe billing Statement on wNcii heAransaction rs to ezceed,your. nominal APR. nPFee far satance Transfers You obtaiMa' ,osier l you obtain funds through a balance ec? ortransfe(.a balance % thnut usinp'a.cash rliueriiznce check. We treat balance translers xe Uniess othenv%e provided in this Agreement. akhf iJransfer.ree add an additional FINANCE #;N.6f.the amount of the balance transfer, but an t$ br ntore'than S : w?ee for piirctielreI MJa.de-in a Foreign Currency: uc hate rnMe is a foreign currency vie add in FgiANCE CHARGE of 391[ of the purchase amount nv¢'{ 166.Into U.S. dollar's. F., naFbd, r Gash A*snces: You obtain a cash yroti,obtain hinds through an automated teller tTM),.cvnvenience chick, horne banking, or stliutlon; make a wire transfer; obtain a money :lerY,ctiecls, lottery ticket, casino chip, or similar gate in a similar transaction. For each cash rdvance Vie adtl.an'additionai he?amauni ?f the cash advan - 19tho tE VARGE;of:376,uf to-any not less' ian to pay Meer .s , .. nhanSn N }f}{,{V,IYHV VGIQt7YV is tluq tiaa?e, tiie tnformation c Over Crudst t)ne C+ohve?si els«b4ed on your ; itE 'Ft ss:{$15 an If you Matra tr nsechan ii cash ad?aric'rnade° of a?tl ?iOGiiipto55Q, ; MsterCard;?+?a'ol+mt!tii r card,7s used; pi. , fhe ; fae ta:tie stan?;afr1 ? h?izsterCahf?,?itap)ies! ., Ma reels your,credit Mow racedures:ther i Ne'.add'thts fee Oven a conversion rate,m of iarsc$ charges; fee's; ; bon processjngdate'!: th'es"non.{nf fiilsviflm mafVot'T?Ra Ar }IiP nl1L st ernbet01p:Fea Vie add airy applicable aon.oai . ,ersJtsp`fee fipthetstaridat# puhase balattce;Tfiisfce is. sfctcidable unless yod.notif3+°us-to cancel yaur acoburit 30 days pf 1he, mailing-of. delivery,date of,tho bUliirg gent on vrntch,ltre fee t;? l?iiled _. . neoayrneld .Te.e we addla ?39.fee to- Vie standard ase•balance It.aFayment;stteck orjsimilat instrument is )?orad,bris reliirnedibeca:use it?annot be processed, or iuhlmatlC dC?it.r5 relunlt<d uop.Od. We assessJhis tee st:time:yatit ciieckbr paylftent is'not. honon:d; even it , oriored upon:tesubmissianw rsnesecnecks: q.-for example;` ;su5e the.balance-to (Weed irhe; tf ypu' defauCt; ii yo4 did- 5 teg8sding?he ohect:, as.it' rr?+uaw+?una.anraRtarwa ?rnotiR rve: ?we.aaa :a ?a;rse a.OUNArd 62,1n q,,t nr,O i..;r?d;h h .r.your Fertutstp payrt.. 1q ,g +cdriuenjenc8° chi3crf stop' pay . ent 66; ivi fflieltCe chxk.i;tinta us at.;pt7 ;t3 )t6500i Slat ix Fails,;. h bakvfa°571117 of cab,itekCa 'Service numtieron l rttip statatnerlt: u you?nt t ct?drrt the Cartir? sp'ti?ithtn 14 days wtmo? st#a??`a?ment ortler remains 4belpi k ))gist thg°fiimt ttuvas issl+t'd'arid'sed eeeordinq procedu!% ther%.in effect,YR; r:u?eMy 0Ses soon rate sn tfect on Its .applccable i edttal P qc date;.Suclirate.is eittter arata ?t sRiecls irom i? of rates availabla in vrhotesalerepncytirrsr?Cet may Voiy from the rate. it:.recelves; orthe Bove mandated rM. • Amertri p Express cornoes ?v!iti ?ts•fo i?n;cvi camerstitn pracedure5 it>ert rn affect tlnies's,a : '.. rate is'[erlulred {ly appAcotile lav?;;tlie retie used American Express shah bathe hlUhj!: t intetban 'select e& bn the business day prior o the day a the iransactiori i5 Rrocessed btiencan r:icpn If 3.ms:h advance is made in a. foreign Wrency;at-a or ATM of one of plrr affiliates, the anoint ts,Gtfnvei t1.C rfntizrc':lv?i5{try4fiMyls.{i?'znr?rrr??.:i„„t1:H:."tR ' Ji ?U l A i }}ni used r i d f ? w, ? tllESe' ? ? ' id ; Y k j ilhan;a , r atfil?fes, tt fuheGh t ?s o?t4v,rs ? , envy uses 4 raruac= : ? . esat+r;.. c-?mrer- rssing t e:range 1, }vltiCh . ?ment• ?: ,enq t R ,: • . )articular p} ate 1 prhicti branch , ietlinfo " . etgn cable ' t rate or the goverhrgp mandated, rate •I?ie?fvrerpn;GUrrerisy conversion raie frt;+?ttect vn'the applicable pmcessitkg date for a.transa6kh may differ from , the:rate in,eN0 on the Sale or Post dale on your billing sbtement for?dJldb}rartsactlon: If a trail adult is, cortverled by a third pail.. prior to such transactlan beipG processed by' Ntaster?ard lnsa, or ArueAcan Expiwi the torei mcurreni j+i onVersion rate for that transaction Rl tie the ratt3 elected by that third party. Paayyments Minimum A1040000 Eadi litonth you ftst pay at least t8o M!ntmum Amount Out by the payment due date. The lit ;hfr3w,t3a once; She less you;Wjll pa^,? in h psppte a5 y3i1J ad@S . ur?n,4 hGunt brie, a'e begin wrth;aiip ofl'tlu ??Of'?>I CM, 91ineitno! tidFadd arl,?dm0urtt`in ercesS of your 'credit O?taced, i?rG} ,the;Ea Uesia?at the?oil601rig: ttilli? p ?tatemr anti ottt#re?bllfrng staentent•ii R rs less an ifiyocttfttk ej pbli tgA°M iv E3a[ancefrs.at least $2D " on he,bildnp A wr Balance Which etc 2ban is r unde 6.._:._ ... _ me#errantl-ifs N:•,,,, w.w - . t donail . ' 4m664t64natier itil Amb exceeds,the.rdew to i'?airrlur?'tint Uue vie, may atanpe zart tE" :s addeo to yrur p, period ?,',: r Werapply payfnents and credits to 'hrgher'AgF3']salances.That meats iced tyou nta3te;transactions dial are ro' t+'nr,{iartiai u.r riottits. me;u, tt,kveCO, W?=SGI??tStttt}jGUr, 9v? ;conversion rate at o?+r?rsretion er)d bPeddsyout acc?Unt?7r1 [l.S. dolor's after ded 139•, ,Costs tncu?t>adnh p;., cessing your pa?ryor we ma ;,b?i??ott SeparatelyxarsuC?i,c?sts•. }by 1Phnne Serx3t:e tau tray request to make V.06 y . no tisb>g?p?trtO?{bpnal Pair by Phone Sa fir bme you makerstibtt a request You;. agree to-payown in ttte t?ay b,' Phone section on the bac?C>?#he tt?l)?ng steterrtent.;D.ur repFcsentaituesare twined„ to tell yob t?5$ambunt if you i;lecide, to use this optional :ay by: Pfrone?Servloe.. ?, Credit Re~portfng Y?fe may report Irttorraaticn?b`rsut your adcavnt tb cred}t feP4nAe paYmets, mist ed pay!rntor otherCefau is b jyaui accouhtTmay appear on your o~redit y report Ifjlttti,nquest aar?Koh. your accvun; for other vie may repo;taccount in ormatlon;in the names oftbose otiter",,. s . ?A!s+?fo"?^.`7?,!kt?fill??+.awrwar:?:_r•y :.-. ,. ... ir: . . r?6 r AM 'F r t$' . } 4 I? ?s u o:q ?+ .may also obtain foltiyo Epp credit mports , s,-?ghet3 u?s,;re',rlew.yqur account fare; I, li,y9u }dish to frxiiayy ?vlilch:apeycleswe;. at the Customer service address ;oti :tt1e. filed erroneous infgrmation to a credit rite us fit.. CetstiirnerrSsrvlce atldress CDCr DQ l.t, alts our ipvest'rgat?bn,,jFiuid wa= 92 1.04 In i-Altinp or' by lb bh6ii ra4submEta staletneilt t0 those agencies fc credit reirorl'., ?rtartges to this Agree Wgt w ' ange thesates.jo.s, andje,* Agreement al amy titna' for an`y r8 as6o;:Al maytbe eased'on iritonmetlott in your.cre' ?-eFt.??,ctnQt gr?i6l?Ilr1B: prA! and tc the}ltatur@pp,tool, andtabligaignstyau or we late the sch S with you, you hovr ion In gotir s , !sons;; rt such, liter '' . ntrtitber, . - t:titive or `cilding , age. , bet:omi:? $tietstlvB tt you da riot agree to the shan?e you must notEfy"t`3 rn ertrtipg vrithin 2? days after t(i'c eflecbsre date of the 9henge!#Ad,;p4 us thetotat balance, either ft:once er rider the feimss of the Octi8pgeif Agreement. Unless44 MIlfg irod!othewsi, use of the card-atter3he. of 60s 461 e f the orange shall ere deemed accepWce of fb hew"terms; even it the 25 days fiatre rat expired: Delautt You default, unifier tills Agreement If you fait to pay the NVimuin Amount Dire by its due date; exceeo your credit fine; pay big a check or similar instrument.that is not honored or that a,e must return beirtiuse it cannot be processed; pay by autornatre obit hat is retumed unpaid; fie for banlov*.V; or default ur?der any;other Cardik grepi. ent:that you haV'e,ift us. if you defaults lkutr, fty close. your 'Cpunt, and demand. ' imrredlate paymetst of tho total haiarrce., if you gave us; a SBGt Aly )nterost`in a•l;ortlScate of DepDsit, we may use the dePii's+t aImouritAo pay arty amount you: o1we. 9 . . ,. ?' 3 . ,. d .? Now-A: ,8lfraUon., Mork ?ai4i proy(de;a•briefstatementol:tha reasons fortkke;award . An ' How dots a p?I r.t6ftia?erat ilffatlon? Tt?a party fling an aivarMf arirtration shall determ(rie the•rights and:vi?ligat;ans br£rbrhatiohfit(ist'shob?e ?tt'e ofit#te fol(o??ringb?'rbi9raflori ? tielcveen ttiz named parties only, and only, iir respect of = ruts aiid foiiotv,its'-foles ahd-procedures for initralirtg acid thii t;lartrrs in arbitration and shall not ha,?e any bearing.orr pursuftg an arbitration American..Arbitratiori?ttsspciatipn or thr' rag?rts:and bpiipatiorrs:ot any,ofher person, or'on the ?Na#ronal arbi# 1t MEOW .; >tyy,?a 5itratidn tiwfio that ybu resolutrbn of any other prsputa: at?ttartd will .h? f eYa, ace;chosen;hy MP-411V tarn frrrn Who ays? Watoerrer ftles tCie:arbitratiorr pa'}•s the init(a(.fiting aiithg t the ,$ Distfidt ourt p sts tb ' ?. tr 0 t !o r fee: if ?tie'file .rVa pay; if you file you pay; urriess you get a then cw[ett ;r 'f q address aya (ine Sufi r Place tQ PIP, -L?r.,kL , - fee: w??iver';under'ihe appliCable rules 4Duthe arbitrator #?rm.. f ouand we agree jii 1'vri3iog You may abtarri tiaPies of the ; If you hays paid the Instal lrfinp fee anp you prevail we will ,crilrretit roles oi` each flf the artiitratfan firms?antl°torms!and' , reimburse you ,for that fee.- If there rs R ,j!iearinq, yve will pap yrkistrut'tfonsfor tnibatfng an arbitratiii1~{ contacting them arr; tees of the arbitrator and arbiiratl„n,Tirmfor the list d as.totbws. " a? of that hearing All ;other fees i itl be.atiocated as'provided;P,' Anneticart Arbitration Association the rules pf the arDiWoon';tfrm and' '" A' able lain. Hotyeuer,'. 335 ?Madisotl kvenue; Floor ] o ;e vaiU odvanCe•or i imbutSe your fees ft the arbltration_firm dew;York; f,fil,i0a17-A606 or orb Uator tiefermtnes #hora rs good'reason;for requidrig ,' Web site vrvt°rdr orr?. us ti} do so;,or tE you ask ua and vie eterthrrie there 1s flood. fdatiatal i9rtiilratian forum raison for doing to. Dch!parly ?vlll boar the i rpehts of shat #'0; 3ax'54191 party's attorneIs exparts ahd trttne??es, a ndtifiEr a ipr rises, i. ': kliniieapofis;;ft?fd 5541)3 regzrdigss of which' party preuaiW'Istit'a party may recover' Web site., vt??r:atbltiation iDrurrr:?,rim any:or 211 expenses trom another party if the' arbitrator, !cable At airy time you or we may aslc an.ttpFaRnoiB catirt io .. applyirkg Rppt laer, 5t? detefres'snes: cainpet arbitration 6! Clairris,.or to stay the litigabbh bf Claims Whn can be a p.aity7 Claims must be brought in the name { pending:arbitration, even tt sudb Clams,;are 'part;of?a yai±,5uit of an iitd(sktduat person or entity nd must Grocee.d on unless a trtal.has be un,or' a final judgnierii Crag tieeri cnteietl. an individual tnon•ctass, non-rtpresentati;•ej basis; The .Even d z party fads td'exxercise;these,ni?hts At a. 011.1 arbitrator n?iN rat award relief for or against ariyjoric 'ho is shire orin• cpnncletron ?nrth any pa`rtittaiai Clarets; Ufai par#?not a pZtty, ff you or vie require arbitration of a Maim; neither r `aan.strtl require attiitratori at a'late?3(me or in'connectior yod e, e; nor ariY oihar person. mcy piirs.uc the Claim in with aqy Attie[ Cfatriis. artiitration as a etass action; private attorney general action or other representathm action, nor may such Claim be pursued What pracedttres>agj_ law are applicable in arditrafion? on your or our behaii in ar, iI y litigation in any.cDurt. Claims; ,4 sirr le, neuirat arbitrator will! :rESa(ve Ctamis. ft+e arb?tiator iiirlading assigned Claims, of two or more persons may not r+r'iN ba either a tavra8r` vrifh at least ten years experience ar a a be joined or consolidated in the same arWrOon. Kowever, retired or foime,r midge, selected in accprdance 'vii.. the rules applicants, co•appUcants, authorized users on a single of the arbitration flrrii. The;arbitfOon vk?tl foflo.W.proeeduuries accountani'or related accounts, or corporate affiliates are Eli, and rules df the arbitration firm in effect on tha state the here considered as one person. ' arbitrafion fs,fiied tintess thosetpiedures anditEes f is as arbiUatlott sward lina,1 The atbitratar's iWard rN ?are:inZOr13rs2ent+vitfi this Feeriien#? in htcrt c se this Whin =AgreottFentiitifE r trail: ?1>QSie` ro edufes ahd?rUECSVtna? firtai anrt binding oii the;parties unless ..party appeals it in_ p P y writina to fio arbitration firm within f{tteen days di notice of r th d"- ' 'cry atrailabtc ro tod flr us Tho:arbdratot urrllita a . - ieasonable:step; to rotg4 cusforrrer bcousrtinforniatfon- tha:acrd The appeal must request aaer arbitration before p a . i it a Mon ttate neutral arbitrators designated by. the same ?, ;irid:ather confrdehtral;ittfomta?tlon cequestQd t &;'W ,. Y" F, arbk?*ation frrrri The panel vAl consider all factuaf and f you or us The arbitratiar tt aptily applicabie substattdva lave egos aonsistentwilti the FAA and applicable statutes of imitations, issues anea?,'fallotiv,tte some rules that aFplytra a proceeding r will ho* wirris of. p(MI1. pa recognized.:2t law, ;rndiwiil W? using a sl+rple arbitrator, and make deasions based on the tire- rrer to,aviaNttq..d.... {8n dam 'es Pr attieF lne of yote.of the mafo?r Costs Will be ail4Cated in the same way. Po! ° + `?, ' ttiey;are all *Jr b bon,bafore a s+n .e arbitrator. reviled fortaidtr app,. w ??o"ti pr u'ehcas trrV y?L a it pg and±be?rep%5e .tee t caijnselx: e} hits. `W Aft a?'??Y a Aag"I"0111 l'±. tral and binding psi t?+e parties after , ypolj ff? ps, fftdar+ 44s has passed: A f(iral and tsinuing award is subject M ..Will rrlak? any award'inrxrittng"gnd; ue?ftd Ohre'" ' •":? •1. :. : .K kf".M'!!!AWL'K+e1:.very,...µe:yv+me..w.....w 5 4 ?[ 1 h r LLL I f [S 4 ill ?Y{9 L :? 3 5: - aS t p r. try e. 5 • 0 47 f ! r e i k 6 i 4. O ?^ i ?;Q 2f ftl f??? dir. $. 1 ?n.';? NM cad ?? CI?. p' •? r ^TO" .a i .? d b = . O - W SG ' O .I V at ? ? ai .C twop ? ? ? d ? EV cr, ?- ?- ctk G? Q q Y -n m Commonwealth Financial Systems, Inc 120 N. Keyser Ave. In the Court of Common Pleas of Scranton PA 18504 Cumberland County, Pennsylvania Plaintiff Civil Division VS. NO: 08-6765-CIVIL TERM IMRAN MAHMOOD 345 Farmington Dr SHIPPENSBURG PA 17257 Praecipe to Reinstate Civil Complaint Defendant To the Prothonotary of Cumberland County Pennsylvania: Please enter the above Praecipe to Reinstate the Civil Complaint. you, Michael F. R Edwin A. Al Lawyer ID # & Associates, P.C. l' day of ` 20 `? Sworn and subsc#ibed before me on this ti?O?Q??4 '2i 2,x'.0 = V yy 2 F = U J Q Fi . ; M.. ?? ?.'.! •.l .. 2609 APR 2 Sri° S a.. 410.00 Po ATr1 R.T4 adggoo ?h Sheriffs Office of Cumberland County R Thomas Kline ,qtr st C "Wh prr Edward L Schorpp Sheriff'` 4# Solicitor Ronny R Anderson ° Jody S Smith Chief Deputy OPME OF r"S SHERIFF Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 04/30/2009 06:58 PM - R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Imran Mahmood, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Imran Mahmood. The address requested for service 345 Farmington Drive Shippensburg, Cumberland County, Pennsylvania 17257 is vacant. The Shippensburg Postmaster has advised the defendants address is unknown. An exact address is not available. SHERIFF COST: $51.42 May 07, 2009 2008-6765 Commonwealth Financial Systems, Inc. VS Imran Mahmood SO ANSWERS, R THOMAS KLINE, SHERIFF f') N O c m Co -? COMMONWEALTH FINANCIAL SYSTEMS INC Plaintiff vs. IMRAN MAHMOOD 9052 POSSUM HOLLOW RD SHIPPENSBURG PA 17257-7921 Defendant In the Court of Common Pleas of Cumberland County, Pennsylvania Civil Division . NO: 08-6765-CIVIL TERM Praecipe to Reinstate Civil Complaint To the Prothonotary of Cumberland County Pennsylvania: Please enter the above Praecipe to Reinstate the Civil Complaint. Thank you, Midhhel F. Ratchford; Es Edwin A. Abrahamsen & Lawyer ID # 86285 Sworn and iates/P.C. c c' Jn -vw `n '-7 -n Z e. M 'rn c-n uul before me on this day of [ 20 ?f Lee Perricone, Notary Public NOTARIAL SEAL LEE PF RFICONE Notary Pi-)hc SCRANTON CITY, LACKAWANNA COUNTY My Commission Expires Apr 2, 2014 $(O.oo PO AThf 0 308"1 0' ayT7? l IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA COMMONWEALTH FINANCIAL SYSTEMS CIVIL ACTION ' ' 3715 Northside Pkwy Atlanta, GA 30327 Plaintiff �= ' °. +f c ' vs. NO: 08-6765-CIVIL TERM IMRAN MAHMOOD 345 FARMINGTON DR SHIPPENSBURG PA 17257-2041 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 Amended 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 Amended 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 08-02223 Y w IN THE COURT OF COMMON PLEAS OF r CUMBERLAND COUNTY, PENNSYLVANIA COMMONWEALTH FINANCIAL SYSTEMS CIVIL ACTION 3715 Northside Pkwy Atlanta, GA 30327 Plaintiff vs. NO: 08-6765-CIVIL TERM IMRAN MAHMOOD 345 FARMINGTON DR SHIPPENSBURG PA 17257-2041 Defendant AMENDED COMPLAINT Plaintiff, COMMONWEALTH FINANCIAL SYSTEMS, by and through its attorneys, Edwin A. Abrahamsen&Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, COMMONWEALTH FINANCIAL SYSTEMS, (hereinafter "Plaintiff') is a corporation with a principal place of business located at 3715 Northside Pkwy Atlanta, GA 30327. 2. The Defendant IMRAN MAHMOOD (hereinafter "Defendant") is an adult individual residing at 345 FARMINGTON DR SHIPPENSBURG PA 17257-2041. 3. Defendant applied for and received a credit card issued by CITIBANK with the account number ending in 3370. 4. The within account was sold by CITIBANK to COMMONWEALTH FINANCIAL SYSTEMS for valuable consideration and all rights under said accounts were assigned to COMMONWEALTH FINANCIAL SYSTEMS. 5. Use of the CITIBANK credit card was subject to the terms and considerations of the Cardmember Agreement(hereinafter "Agreement"), a copy of which was sent to the Defendant along with the credit card. 6. Defendant used the CITIBANK credit card account number ending in 3370, for purchases, cash advances and/or balance transfers. 7. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 8. The total amount due and owing the Plaintiff, including interest, is $23,687.17. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of$23,687.17 plus costs of suit and any other relief as the Court deems just and appropriate. Atfull Ressu i e Michael F. Ratchfor , Esquire Attorney I.D. Nos.. 86285 120 N. Keyser Av Scranton, PA 18 04 mratchford @e law.com Phone: 800-503-1665 Fax: 570-558-5511 VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff, COMMONWEALTH FINANCIAL SYSTEMS, 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. Michae . Ratchford, squire SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff t,4'. THE P R 0 T 0 N f-Y.S Smith AM10: 1 , Chief Deputy '4>- Richard W Stewart CUMBERLAND COUNTY Solicitor MWE OF TPE.SKtRiFF PENNSYLVANIA Commonwealth Financial Systems, Inc. Case Number ImraS. 2008-6765 n Mahmood I SHERIFF'S RETURN OF SERVICE 08/29/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Imran Mahmood, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint&Notice as"Not Found"at 345 Farmington Drive, Shippensburg Borough, Shippensburg, PA 17257. Deputies were advised that the current tenants have lived at this address for two years and the defendant does not reside there nor does the rental office have any record of the defendant living there, SHERIFF COST: $55.60 SO ANSWERS, August 30, 2013 RbNW R ANDERSON, SHERIFF (c)CountySuile Sheriff,Teleosoff,Inc,