HomeMy WebLinkAbout09-1815
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IN THE COURT OF COMMON PLEAS-OF CUMBERLAND COUNTY,
PE?VNIA
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TARGET NATIONAL BANK/TARGET 'VI9A{?k? 1
Plaintiff
V.
JOHN LEGGE
Defendalft*j?' i x
cal 4
a
PF_PA_I 1 Cmplt Cvr Sht
NO.DQ -18S
COMPLAINT IN CIVIL
ACTION
Filed on behalf of:
TARGET NATIONAL
BANK/TARGET VISA
Counsel of Record for This Party:
Gregg L. Morris, Esquire
Pa I.D. #69006
Patenaude & Felix, A.P.C.
213 E. Main Street
Carnegie, PA 15106
(412) 429-7675
s`i
I Eli ft1?P&F File No. 09-3868
IN THE COURT OF COMMOT? PLLAS'OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARWvVISA
Plaintiff
V.
JOHN LEGGE
Defendant(s)
NOTICE TO DEFEND
NO.
You have been sued in Court. If you wish to defend against Usted ha sido demandado en corte. Si usted desea defenderse
the claims set forth in the following pages, you must take de las demandas que se presentan mas adelante en las
action within TWENTY (20) DAYS after this Complaint and siguientes paginas, debe tomar accion dentro de los proximos
notice are served, by entering a written appearance pe on yq,iVpi xc (20) dias des ues de la notifcacion de esta Demanda
or by an attorney, and filing C W'.p y
in writing with the ourt yo bvtso raaicando personalmente o por medio de un abogado
defenses or objections to the claims set forth against yoit. Yaina comparecencia escrita y radicando en la Corte por escrito
are warned that if you fail to do so the case may proceed sus defensas de, y objecciones a, las demandas presentadas
without you and a judgment may be entered agar t yO k`}?` ? aqi ifen contra suya. Se le advierte de que si usted fall de
court without further notice for any money, cled `in /e tomar;dccion como se describe anteriormente, el caso pude
Complaint or for any other claim or relief requested by 'the proceder sin usted y un fallo por cualquier suma de dinero
Plaintiff. You may lose money or property or other rights reclamada en la demanda o cualquier reclamacion o remedio
important to you. solicitado por el demandante puede ser dictado en contra suya
por la Corte sin mas aviso adicional. Usted puede perder
dinero o propiedad au otros derechos importantes para usted.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER USTED DEBE LLEVAR ESTE DOCUMENTO A SU
AT ONCE.IF YOU DO NOT HAVE A LAWYER GO TO OR ABOGADO INMEDIATAMENTE. SI USTED NO TIENE
TELEPHONE THE OFFICE SET FORTH BELOW, THIS UN ABOGADO, LLAME O VAYA A LA SIGUENTE
OFFICE CAN PROVIDE YOU WITH INFORMATIQN }OFICINA. ESTA OFICINA PUEDE PROVEERLE
ABOUT HIRING A LAWYER 'NMACION A CERCA DE COMO CONSEGUIR UN
s t' ? < ey]} QGADO
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE
OFFICE MAY BE ABLE TO PROVIDE YOU WITH UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE
INFORMATION ABOUT AGENCIES THAT MAY OFFER PUEDA PROVEER INFORMACION SOBRE AGENCIAS
LEGAL SERVICES TO ELIGIBLE PERSONS AT A QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O
REDUCED FEE OR NO FEE. BAJO COSO A PERSONAS QUE CALIFICAN.
CUMBERLAND COUNTY BAR CUMBERLAND COUNTY BAR
ASSOCIATION, ' ASSOCIATION
32 SOUTH BEDFORD STREET . fX s 32 SOUTH BEDFORD STREET
CARLISLE, PA 17013 x'11 CARLISLE, PA 17013
717-249-3166
717-249-3166
? s u•:1 si t ?: r .;.
PA-2 I Notice to Defend P&F File No. 09-3868
.
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• IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA
V.
JOHN LEGGE
Plaintiff
Defendant(s)
? ?cw--
NO. 09 - / gig
COMPLAINT IN CIVIL ACTION
t
AND NOW, comes Plaintiff, TAR6 E`l`'NAf`?1AL BANK/TARGET VISA, by and
through its attorney, GREGG MORRIS, ESQUfRE and the law offices of PATENAUDE &
FELIX, A.P.C. and files the following Complaint in Civil Action, and in support thereof aver as
follows:
1. Plaintiff, TARGET NATION' 'SANK/TARGET VISA, is a corporation and
for the purpose of this litigation, maintainig.a-place of business c/o PATENAUDE AND
FELIX, A.P.C., 213 East Main St Carnegie, Pennsylvania 15106.
2. Defendant is JOHN LEGGE, an adult individual, believed to currently reside at
53 S. HIGH STREET APT# 3 NEWVILLE, PA 17241-1424.
3. Heretofore, the Defendant(s) opened a account with Plaintiff being Account No.
4352371720354225, for the purchase of ,good ant s rv><des.
irl ryr
4. The Defendant(s) has/have made or authorized a number of purchases and as of ,
Defendant(s) owes $5,682.34 on said account plus interest at 0.00 %.
5. Plaintiff maintains accurate books of account recording all credits and debits for
PA_05 Civil Cmplt Crdt Crd P&F File No. 09-3868
this account.
6. Defendant assented to the corr tics , f the balance by making payments on the
account.
7. The Defendant(s) have/has received monthly billing statements from Plaintiff
setting forth the nature and amount of all charges made by Defendant(s), and the transactions
t I ?'. 1
between Plaintiff and Defendant(s) give ride ?q an, account stated, upon which Plaintiff has relied
by continuing to extend credit to Defendant(s).'
8. The Defendant(s) made payments, but, have/has refused to pay, and now refuses to
pay the balance due and owing on the aforesaid account in the sum of $5,682.34, plus interest
and costs.
9. By making payments andy by failing to object or dispute the statements,
Defendant(s) have/has assented to and agreeo;te4?correctness of the balance due on the credit
card account so as to constitute and account stated.
10. Despite repeated demands, Defendant(s) have/has failed to make the required
installment payments when due and therefore the full amount of the account is now due and
F
payable. sA
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PA 05 Civil Cmplt Crdt Crd :' ' , P&F File No. 09-3868
0
WHEREFORE, Plaintiff dematrd??udgment in its favor, and against Defendant(s), in
the amount of $5,682.34, plus interest as set forth herein from the date of breach, with continuing
interest at the legal rate thereon from the date of Judgment plus costs. The damages requested
are less than the maximum amount for compulsory arbitration as set by the Court.
Respectfully submitted:
v Patenaude & Fe x, A.P.C.
Date: February 03, 2009
a h Car
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It V
5
rris, Esquire
m Street
PA 15106
9-7675
PA_05 Civil Cmplt Crdt Crd P&F File No. 09-3868
0
TARGEI?
1111111
°ooooo*
Accourvi Number. XXXX XXXX XXXX4225
Account Identification Number: 00029388028 Statement Closing Date: December 27, 2008
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $0 Previous Balance $5,528.51
Cash Limit $0 Payments 8 Credits 0.00
Available Credit $0 Purchases 8 Advances 0.00
Portion Available for Cash $0 Other Charges 39.00
The Cash Limit is a portion of the Total Credit Limit FINANCE CHARGES 114.83
Questions? Go online or call us: New Balance $5,682.34
Manage My REDcard Torget.com/redcard Amount Past Due $1,152.73
Target Credit Services 1-888-755-5856 Minimum Payrnent Due $1
363.56
TDDrrDY 1-800-347-5842 (Includes any Amount Past Due) ,
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your biNing-error rights Payment Due Date January 21, 2009
Payments & Credits
No payments or credits were received last month.
Other Charges
Dec. 22 LATE PAYMENT FEE $39.00
Total Other Charges $39.00
Tanta Natlanal Bank, an NIISM dTaMet Stoma NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
Account Number XXXX-XXXX-XXXX-4225
New Balance $5,682.34
TARQEI? Minimum Payment Due $1,363.56
Payment Due Date January 21, 2009
NEW PHONE, HOME OR
11111111111111111111111111111/1111111111111111
111 Amount
E-MAIL ADDRESS?
PLEASE UPDATE ON 111 Enclosed $
I
7
TARGET NATIONAL BANK
REVERSE SIDE. P.O. BOX 59317 .
OFFICE COPY MINNEAPOLIS, MN 55459-0317
IIILL/IliilIIIIJIIh6HIIIIIIIL111111l11111l11111111 11111
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
IIIJ1111111L111111LIIt111111LJ11L11/1?1111111111L111111
0003940136356056823490435237172035422571
?5 - 3bbSS
0
TARGET:
1111111
*ooooo*
Accou9tll UI ber: XXXX-XXXX-XXXX4225
Account Identification Number: 00029388028 Statement Closing Date: December 27, 2008
JOHN LEGGE Paso 2 of 2
Finance Charges
Days in Billing Period: 30
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.0684596 24.99% $5,360.03 $110.08 $0.00
Cash 0.0684e% 24.9996 $231.52 $4.75 $0.00
Total FINANCE CHARGES: $114.83
Actual ANNUAL PERCENTAGE RATE: 24.99%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary.
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
29388028
In
Court
Judicial (Circuit/District)
Original Creditor Name: TARGET NATIONAL BANK
Debtor Name: LEGGE, JOHN
Co-Debtor Name:
NAN Number: N00000028078497
Account Number: ************4225
AFFIDAVIT OF ACCOUNT
STATE OF MINNESOTA
COUNTY OF HENNEPIN ss:
The undersigned, ADAM GRIM states that:
I am a representative of TARGET NATIONAL BANK and am authorized to Verify
current balances due and owing to TARGET NATIONAL BANK on credit card
accounts.
As of the date of this affidavit I have reviewed the records of the above listed person and
account, and that the amount due and owing to TARGET NATIONAL BANK on this
account, over and above all known legal set offs is $5682.34.
3. That reasonable inquiry has been made to determine if the defendant is in the military
service of the United States of America, and to the best of my knowledge that defendant
is not in such military service and is therefore not entitled to the rights and privileges
provided under the Soldiers and Sailors Civil Relief Act of 1940, as amended.
That the above information is true to the best of my knowledge,
information and belief, and based upon the books and business
records of TARGET NATIONAL BANK.
Authorized Agent o TARGET NATIONAL BANK
Subscribed and sworn to before
Me on 13th day of January, 2009
ary Public
My commission expires: W11
************4225 V:JJANI:CE L. LOKEN
A144 PATENAUDE & FELIX, A.P.C ARY BW-1MNNE80TA
wwdm Expiry Jo.31, 2019
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn
falsification to authorities, that he is, ADAM GRIM, Assistant Secretary, of TARGET NATIONAL
BANK, Plaintiff Herein, that he is duly authorized to make this Declaration, and that the facts set forth in
the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and
belief.
ADAM
Authorized Agent of TARGET NATIONAL BANK
************4225
A144
PATENAUDE & FELIX, A.P.C
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Sheriffs Office of Cumberland County
R Thomas Kline ,??tir of Cu,rtb", Edward L Schorpp
Sheri Q
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w Solicitor
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Ronny R Anderson ' Jody S Smith
Chief Deputy OFFICE OF I HE SHERIFF Civil Process Sergeant
SHERIFF'S RETURN OF SERVICE
03/24/2009 05:10 PM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on March 24,
2009 at 1710 hours, he served a true copy of the within Complaint and Notice upon the within named
defendant, to wit: John Legge, by making known unto John Legge personally, at 53S.High Street, Apt. 3,
Newville, Cumberland County, Pennsylvania its contents and at the same time handing to him personally
the said true and correct copy of the same.
SHERIFF COST: $37.90
SO ANSWERS, .??
March 25, 2009
]RTHOMAS KLI S RIF
puty Berl
ff
Docket No. 2009-1815
Target National Bank v John Legge
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TARGET NATIONAL BANK/
TARGET VISA
Plaintiff
V.
JOHN LEGGE,
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
: No. 09 -1815 - Civil Term
: CIVIL ACTION - LAW
Please enter my appearance for the Defendant in the above.
Date: ;? 1 2-a?/P
Geoffrey M.Biringer
401 E.Louther Street
Carlisle,PA 17013
(717)243-9400
Supreme Court ID#18040
FI?KE
()NOT
2009 APR 15 Ali 10: 37
CUM6
p ".i vf" zircvA, . vif
C9
TARGET NATIONAL BANK/
TARGET VISA
Plaintiff
V.
JOHN LEGGE,
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
No. 09 -1815 - Civil Term
CIVIL ACTION - LAW
PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT
AND NOW, comes the Defendant, John Legge, by and through his legal counsel,
MidPenn Legal Services, and files these PRELIMINARY OBJECTIONS TO
PLAINTIFF'S COMPLAINT, and in support thereof avers the following:
1. Plaintiff is Target National Bank/Target Visa(hereinafter, "Plaintiff').
2. Defendant is John Legge (hereinafter "Defendant").
3. Plaintiff filed its complaint on March 23, 2009.
4. Plaintiff claims that it is owed a balance on account for $5,682.34,plus interest
and costs for use of a credit card.
PRELIMINARY OBJECTION PURSUANT TO PA. R.C. P. No. 1028(a) (4))
(Demurrer)
5. Paragraphs 1 through 4 of Defendant's Preliminary Objections are hereby
incorporated by reference hereto.
6. Plaintiff does not allege that there was any agreement between the Plaintiff and
the Defendant, merely the use of a credit card.
7. Plaintiff attaches only a 2-page account statement to indicate, in any way that a
transaction took place between the Plaintiff and the Defendant.
8. Absent an allegation that there was an agreement between the parties, or that
Defendant agreed at any point in time to the terms of either the original agreement
or any revisions thereto, Plaintiff fails to adequately state a cause of action.
9. Plaintiff's claims that Defendant accepted and used the card, but fails to describe
how Defendant was unjustly enriched and does not include an itemization of the
goods purchased, information that goes to the very core of Plaintiff's claim.
WHEREFORE, Defendant prays that Plaintiff's Complaint be dismissed with
prejudice for failure to state a cause a cause of action.
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
10. Paragraphs 1 through 9 of Defendant's Preliminary Objections are hereby
incorporated as if fully set forth herein.
11. Plaintiff claims that it is owed a balance of an account in the amount of
$5,682.34 but attaches only one 2-page billing of what would appear to be a final
statement. Pa. R. C. P. No.1019(f) requires that averments of time, place and
special damages shall be specifically stated.
12. 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.
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
13. Paragraphs 1 through 12 of Defendant's Preliminary Objections are hereby
incorporated as if fully set forth herein.
14. Plaintiff bases its claims against Defendant on the use of a credit card by the
Defendant.
15. Nothing is attached to the Complaint, however of any agreements between the
parties, or any list of items purchased by the Plaintiff.
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, or were revised, 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.
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.
Date
Respectfully submitted,
MidPenn Legal Services
By
-t V
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 15th day of April, 2009, by
placing same in the United States mail, first class, postage prepaid, addressed as follows:
Gregg L. Morris, Esquire
Patenaude & Felix, A.P.C.
213 E.Main Street
Carnegie, PA 15106
By:
Geoffrey M. Biringer
Attorney for the Defendant
401 E. Louther Street
Carlisle, PA 17013
(717)243-9400
Supreme Court ID#18040
FILED-Li FIC `
OF THE I r } HICNOTARY
2009 APR 15 AM 10: 38
CLIN.
fi .F ?Itk
FE 41'.,4' a 1:??•,IvVA ;A
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA
Plaintiff
V.
JOHN LEGGE
Defendant(s)
NO. 2009-01815
AMENDED COMPLAINT IN
CIVIL ACTION
Filed on behalf of.
TARGET NATIONAL
BANK/TARGET VISA
Counsel of Record for This Party:
Gregg L. Morris, Esquire
Pa I.D. #69006
Patenaude & Felix, A.P.C.
213 E. Main Street
Carnegie, PA 15106
(412) 429-7675
PF_PA_11A Amended Cmpit Cvr Sht P&.F File No. 09-3868
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA
Plaintiff
V.
JOHN LEGGE
Defendant(s)
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 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.
NO. 2009-01815
Usted ha sido demandado en corte. Si usted desea defenderse
de las demandas que se presentan mas adelante en las
siguientes paginas, debe tomar accion dentro de los proximos
veinte (20) dias despues de la notificacion de esta Demanda y
Aviso radicando personalmente o por medio de un abogado
una comparecencia escrita y radicando en la Corte por escrito
sus defensas de, y objecciones a, las demandas presentadas
aqui en contra suya. Se le advierte de que si usted fall de
tomar accion como se describe anteriormente, el caso pude
proceder sin usted y un fallo por cualquier suma de dinero
reclamada en la demanda o cualquier reclamacion o remedio
solicitado por el demandante puede ser dictado en contra suya
por la Corte sin mas aviso adicional. Usted puede perder
dinero o propiedad au otros derechos importantes para usted.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER
AT ONCE.IF YOU DO NOT HAVE A LAWYER GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW. THIS
OFFICE CAN PROVIDE YOU WITH INFORMATION
ABOUT HIRING A LAWYER
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS
OFFICE MAY BE ABLE TO PROVIDE YOU WITH
INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A
REDUCED FEE OR NO FEE.
CUMBERLAND COUNTY BAR
ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
717-249-3166
USTED DEBE LLEVAR ESTE DOCUMENTO A SU
ABOGADO INMEDIATAMENTE. SI USTED NO TIENE
UN ABOGADO, LLAME 0 VAYA A LA SIGUENTE
OFICINA. ESTA OFICINA PUEDE PROVEERLE
INFORMACION A CERCA DE COMO CONSEGUIR UN
ABOGADO
SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE
UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE
PUEDA PROVEER INFORMACION SOBRE AGENCIAS
QUE OFREZCAN SERVICIOS LEGALES SIN CARGO 0
BAJO COSO A PERSONAS QUE CALIFICAN.
CUMBERLAND COUNTY BAR
ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
717-249-3166
PA_21Notice to Defend P&F File No. 09-3868
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA
Plaintiff
V.
JOHN LEGGE
Defendant(s)
NO. 2009-01815
AMENDED COMPLAINT IN CIVIL ACTION
AND NOW, comes Plaintiff, TARGET NATIONAL BANK/TARGET VISA, by and
through its attorney, GREGG MORRIS, ESQUIRE and the law offices of PATENAUDE &
FELIX, A.P.C. and files the following Amended Complaint, and in support thereof aver as
follows:
Plaintiff, TARGET NATIONAL BANK/TARGET VISA, is a corporation and
for the purpose of this litigation, maintaining a place of business c/o PATENAUDE AND
FELIX, A.P.C., 213 East Main St Carnegie, Pennsylvania 15106.
2. Defendant is JOHN LEGGE, an adult individual, believed to currently reside at
53 S. HIGH STREET APT# 3 NEWVILLE, PA 17241-1424.
3. Heretofore, the Defendant(s) opened an account with Plaintiff being Account No.
4352371720354225, for the purchase of good and services on September 28, 2006. See
Plaintiffs Exhibit "A" incorporated herein by reference.
4. The Defendant(s) has/have made or authorized a number of purchases and as of
January 21, 2009, Defendant(s) owes $5,682.34 on said account plus interest at 6%.
PA_0513 Dl Amended Cmplt P&F File No. 09-3868
Plaintiff maintains accurate books of account recording all credits and debits for
this account.
6. Defendant assented to the correctness of the balance by making payments on the
account with the last payment posting on June 17, 2008.
7. The Defendant(s) have/has received monthly billing statements from Plaintiff
setting forth the nature and amount of all charges made by Defendant(s), and the transactions
between Plaintiff and Defendant(s) give rise to an account stated, upon which Plaintiff has relied
by continuing to extend credit to Defendant(s). See Plaintiffs Exhibit "B" incorporated herein by
reference.
8. The Defendant(s) made payments, but have/has refused to pay, and now refuses to
pay the balance due and owing on the aforesaid account in the sum of $5,682.34, plus interest
and costs.
9. By making payments and by failing to object or dispute the statements,
Defendant(s) have/has assented to and agreed to the correctness of the balance due on the credit
card account so as to constitute and account stated.
10. Despite repeated demands, Defendant(s) have/has failed to make the required
installment payments when due and therefore the full amount of the account is now due and
payable.
WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in
the amount of $5,682.34, plus interest as attached hereto and set forth herein and attorney's fees
in the amount of $0.00 with continuing interest thereon at the legal rate thereon from the date of
Judgment plus costs. The damages requested are less than the maximum amount for compulsory
arbitration as set by the Court.
PA-05B Dl Amended Cmplt P&F File No. 09-3868
Count II
Breach of Contract
11. The averments of paragraphs 1 through 10 are incorporated herein by reference as
if the same were set forth herein at length.
12. Defendant opened the aforesaid account. A copy of the Account Agreement in
effect at the time the account was opened or charges were made is attached hereto and
collectively referred to as Plaintiff's Exhibit "A" and incorporated herein by reference.
13. Defendant is in default for failing to make payments as due.
14. The terms of the Contract provide that Defendant will pay Plaintiff s reasonable
attorney's fees.
15. Plaintiff avers that counsel for Plaintiff is not a salaried employee of Plaintiff and
that such attorney's fees will amount to an amount yet to be determined.
WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the
amount of $5,682.34 plus interest as attached hereto and set forth herein and attorney's fees in
the amount of an amount yet to be determined with continuing interest thereon at the legal rate
from the date of Judgment plus costs.
Respectfully submitted:
Patenaude & Felix, A.P.
?i
Date: May 04, 2009
Gregg L. )Offis,,Xs
213 E. M n S eet
Carnegi P 15106
(412) 4 -7675
PA-05B Dl Amended Cmplt P&F File No. 09-3868
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TARQE'L
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL eMil
•00000•
Account Number. XXXX XXXX-XXXX-4225
Account Identltketion Number 00029388028 Statement Closing Date; December 27, 2008
JOHN LEGGE Paw 1 of 2
Target Visa. Credit Carts] Account Summary
Total Credit Limit $0
Cash Link $0
Available Credit $0
Portion Available for Cash $0
The Cash Limit is a portion of the Total Credit Limit
Questions? Go online or call us:
Manage My REDcard Target.oomtredcard
Target Credit Services 1403-755-656
TDOMY 1-800347-5842
Outside the U.S. 11-612-307.8622 (Call Collect)
CaMingwiNrtot preserve your bllrktg-ermrdghfs
Payments & Credits
Previous Balance $5,528.51
Payments 8 Credits 0.00
Purchases $ Advances 0.00
Other Charges 39.00
FINANCE CHARGES 114.83
Now Balance $6,682.34
Arnow t Past Out $1,152.73
Mink m Payment Due $1.369.56
(includes any Amount Past Due)
Payment Due Date January 21, 2009
No payments or credits were received last month.
Other Charges
Dec. 22 LATE PAYMENT FEE
539.00
Total Other Charges $39.00
TapW N"Mm sank M M.b dTV" Moses NOTICE' MIFF REVERSE Egli FOR MPORTM T WORMATON
•
TAt?QE1G
NEW PHONE, HOME OR
E-MAL ADDRESS?
PLEASE UPDATE ON
RGVERSE SIDE.
OFFICE COPY
ILL! l
Account Number XXXX-XXXX-XXXX-0225
New Balance $5,682.34
Minimum Payment Due $1,383.56
Payment Due Date January 21, 2009
1111111 111 1n1.{.{1{.Inllnn111nn1{{n11111111 Amount
TARGET NATIONAL BANK Enclosed $
P.O. BOX 59317
MINNEAPOLIS, MN 55459-0317
II.IJA11111..,1111.1.1111111,i1.1I..I.III...III11.,1IIl..i
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
1d1111..1111......IL.IhuU 1111111111111111...111111111111
0003440136356056823490435237172035422571
A .
TAt?iE1G
`00000•
Account Number. XXXX XXXXXXXX•4225
Account Identiftcation Number: 00029388028 Statement Closing Date: DecemberV, 2000
JOHN LEGGE Pa 2 of 2
Finance Charges
Days In Billing Period: 30
Corresponding Average Periodic Transaction
Daly Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.09846% 24.9996 $5,380.03 $110.00 $0.00
Cash 0.0884916 24.9996 $231.52 $4.70 $0.00
Total FINANCE CHARGES: $11423
Actual ANNUAL PERCENTAGE RATE: 24.0096
Your periodic rate(s) and cotresponding Annual Percentage Rate(s) for purchases and cash advances may vary.
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
293026
In
Court
Judicial (Circuit/District)
Original Creditor Name: TARGET NATIONAL BANK
Debtor Name: LEGGE, JOHN
Co-Debtor Name:
NAN Number: N00000028078497
Account Number: ************4225
AFFIDAVIT OF ACCOUNT
STATE OF MINNESOTA
COUNTY OF HENNEPIN ss:
The undersigned, ADAM GRIM states that:
I am a representative of TARGET NATIONAL BANK and am authorized to Verify
current balances due and owing to TARGET NATIONAL BANK on credit card
accounts.
As of the date of this affidavit 1 have reviewed the records of the above listed person and
account, and that the amount due and owing to TARGET NATIONAL BANK on this
account, over and above all known legal set offs is $5682.34.
That reasonable inquiry has been made to determine if the defendant is in the military
service of the United States of America, and to the best of my knowledge that defendant
is not in such military service and is therefore not entitled to the rights and privileges
provided under the Soldiers and Sailors Civil Relief Act of 1940, as amended.
That the above information is true to the best of my knowledge,
information and belief, and based upon the books and business
records of TARGET NATIONAL BANK.
Authorized Agent o ARGET NATION BANK
Subscribed and sworn to before
Me on 13th day of January, 2009
Public
M commission exPires•
Y ,? r
************4225 JANICE L. LOKEN
A144 PATENAUDE & FELIX, A.P.C WTAWPUBIIG'YWOTA
MY t?labn 6p6N J?a. at. zeta
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn
falsification to authorities, that he is, ADAM GRIM, Assistant Secretary, of TARGET NATIONAL
BANK, Plaintiff Herein, that he is duly authorized to make this Declaration, and that the facts set forth in
the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and
belief.
ADAM dTu- M
Authorized Agent of TARGET NATIONAL BANK
************4225
A144
PATENAUDE & FELIX, A.P.C
I, GREGG MORRIS, attorney for Plaintiff, TARGET NATIONAL BANK/TARGET
VISA, hereby certify that a true and correct copy of foregoing document was served this date by
ordinary mail upon the following:
Geoffrey M. Biringer, Esq.
401 E. Louther St, Ste 103
Carlisle PA 17013
Date: May 04, 2009
Gregg L.
Patenaud Felix, A.P.C.
213 E. i Stre
Carneg' , A 15 06
(412) 429- 67
PA 65 Certificate of Service P&F File No 09-3868
FLE""
OF THE PROTHoCT
20119 MAY -6 PM 1= 11
t E-NNaXLVANIA
TARGET NATIONAL BANK/
TARGET VISA
Plaintiff
V.
JOHN LEGGE,
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
No. 09 -1815 - Civil Term
CIVIL ACTION - LAW
PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT
AND NOW, comes the Defendant, John Legge, by and through his legal counsel,
MidPenn Legal Services, and files these PRELIMINARY OBJECTIONS TO
PLAINTIFF'S AMENDED COMPLAINT, and in support thereof avers the following:
1. Plaintiff is Target National Bank/Target Visa(hereinafter, "Plaintiff').
2. Defendant is John Legge (hereinafter "Defendant").
3. Plaintiff filed its complaint on March 23, 2009.
4. Defendant filed Preliminary Objections on April 15, 2009.
5. Plaintiff filed an Amended Complaint on or about May 4, 2009.
6. Plaintiff claims that it is owed a balance on account for $5,682.34,plus interest
and costs for use of a credit card.
PRELIMINARY OBJECTION PURSUANT TO PA. R.C. P. No. 1028(a) (4))
(Demurrer)
7. Paragraphs 1 through 6 of Defendant's Preliminary Objections are hereby
incorporated by reference hereto.
8. Plaintiff does not allege that there was any agreement between the Plaintiff and
the Defendant, merely the opening of an account and an "account stated.".
9. Plaintiff attaches only an unsigned boilerplate agreement and one billing
statement to indicate, in any way that a transaction took place between the
Plaintiff and the Defendant.
10. Absent an allegation that there was an agreement between the parties, or that
Defendant agreed at any point in time to the terms of either the original agreement
or any revisions thereto, Plaintiff fails to adequately state a cause of action.
11. Plaintiff's claims that Defendant accepted and used the card, but fails to describe
how Defendant was unjustly enriched and does not include an itemization of the
goods purchased, information that goes to the very core of Plaintiff's claim.
WHEREFORE, Defendant prays that Plaintiff's Complaint be dismissed with
prejudice for failure to state a cause a cause of action.
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
12. Paragraphs 1 through 11 of Defendant's Preliminary Objections are hereby
incorporated as if fully set forth herein.
13. Plaintiff claims that it is owed a balance of an account in the amount of
$5,682.34 but attaches only one 2-page billing of what would appear to be a final
statement. Pa. R. C. P. No. 1019(f) requires that averments of time, place and
special damages shall be specifically stated.
14. 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.
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
15. Paragraphs 1 through 14 of Defendant's Preliminary Objections are hereby
incorporated as if fully set forth herein.
16. Plaintiff bases its claims against Defendant on the use of a credit card by the
Defendant.
17. Nothing is attached to the Complaint, however of any agreements between the
parties, or any list of items purchased by the Plaintiff.
18. Pursuant to Pa.R.C. P.No. 1019(i), when a claim is based upon a writing, the
pleader must attach a copy of that writing or provide explanation for its absence.
19. To the extent that any credit agreements between Defendant and Plaintiff are
written, or were revised, 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.
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,
Date
MidPenn Legal Services
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 Amended Complaint on this 12th day of May,
2009, by placing same in the United States mail, first class, postage prepaid, addressed
as follows:
Greg Morris, Esquire
213 East Main Street
Carnegie, PA 15106
By: 4,,,
Geoffrey M. Biringe
Attorney for the Defendant
401 E. Louther Street
Carlisle, PA 17013
(717)243-9400
Supreme Court ID#18040
OF TNT
209911,AlY 12 A y s I I: I J
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA
Plaintiff
V.
JOHN LEGGE
Defendant(s)
NO. 2009-01815
REQUEST FOR ADMISSIONS
ADDRESSED TO DEFENDANT,
JOHN LEGGE
Filed on behalf of:
TARGET NATIONAL
BANK/TARGET VISA,
Plaintiff
Counsel of Record for This
Party:
You are hereby notified
the enclosed Request fo:
within 30 days from se
default judgment may
you.
Gregg L.
Gregg L. Morris, Esquire
to Pa I.D. #69006
>f or a Patenaude & Felix, A.P.C.
against 213 E. Main Street
Carnegie, PA 15106
(412) 429-7675
PA-70 Req Adm CC Dl P&F File No. 09-3868
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA
Plaintiff
V.
JOHN LEGGE
Defendant(s)
NO. 2009-01815
PLAINTIFF'S REQUEST FOR ADMISSIONS
ADDRESSED TO DEFENDANT, JOHN LEGGE
You are hereby requested to admit the following, for the purposes of this action only,
pursuant to the Rules of Civil Procedure. You are directed to file a sworn answer to this request
in compliance with the Rules of Civil Procedure within thirty (30) days after service of this
document.
1. The Plaintiff is as identified in the caption of the Complaint in Civil Action filed
at the above number and term and incorporated herein by reference.
2. The Defendant is as set forth in caption of the Complaint in Civil Action
incorporated herein by reference.
3. Defendant applied for and opened an account with Plaintiff, being Account No.
4352371720354225 (hereinafter "Account") for the purchase of goods and services.
4. The Defendant authorized the purchase of various item(s) of personal property,
service(s) or item(s) of merchandise.
5. Defendant received the item(s) of personal property, service(s) or item(s) of
PA-70 Req Adm CC Dl P&F File No. 09-3868
merchandise as set forth in the billing statements attached hereto as Plaintiffs Exhibit "A" and
incorporated herein by reference.
6. The credits or prices charged by Plaintiff were those which Defendant agreed to
pay.
7. The credits or prices charged by Plaintiff were fair, reasonable and market prices
for the item(s) or services at the time they were delivered or received by Defendant.
8. There remains an unpaid balance due on the Account.
9. Defendant, received monthly billing statements from Plaintiff.
10. Defendant retained those statements without objection, and made payments to
Plaintiff.
11. The unpaid balance due is as more fully set forth in the prayer of the Complaint in
Civil Action which has been incorporated herein by reference.
Date: May 19, 2009
PA-70 Req Adm CC Dl
ed
Respectfully sub 7A
Patenaude & . C.
213
C e >e, P 15106
(412 - 675
P&F File No. 09-3868
O I?IIII?IN?
*00000*
Account Number: 4352-3717-2035-4225 Statement Closing Date: August 27, 2007
JOHN LEGGE, Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $5,000
Cash Limit $250
Available Credit $4,793
Portion Available for Cash $250
The Cash Limit is a portion of the Total Credit Limit
Questions? Call Us:
Target Credit Services 1-888-755-5856
TDD/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Your Target Rewards Status
Previous Balance 0
Points Earned This Month +104
New Target Rewards Balance 104
You've got the idea, so keep
shopping RED. Use your REDcard
to earn 1,000 points & we'll send you
a certificate for your very own 10% off
shopping day at Target.
Subject to Target Rewards program rules. See
Target.com/rewards for details.
Previous Balance $0.00
Payments & Credits 0.00
Purchases & Advances 206.80
Other Charges 0.00
FINANCE CHARGES 0.00
New Balance $206.80
Minimum Payment Due $10.00
Payment Due Date September 21, 2007
Your REDcard purchases can help
eligible K-12 schools. Visit
Target.comttcoe or call
1.800.316.6142 to find out how you
can participate in Take Charge of
Education.
Save with Target Pharmacy
Rewards. Every 10 Rx filled with your
REDcard at Target earns you a 10%
off certificate. Enroll in store or online
at Target.com/pharmacyrewards.
Subject to Target Pharmacy Rewards program
rules. See Target.cortUpharmacyrewards for
details.
Payments & Credits
No payments or credits were received last month.
Target National Bank, an afiflate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
TARGET.
NEW PHONE, HOME OR
E-MAIL ADDRESS?
PLEASE UPDATE ON
REVERSE SIDE.
OFFICE COPY
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
Account Number 4352-3717-2035-4225
New Balance $206.80
Minimum Payment Due $10.00
Payment Due Date September 21, 2007
1.I.l..1111IL1111 .l.lalulluu.lluulilu.l..rllI Amount
TARGET NATIONAL BANK Enclosed $
P.O. BOX 59317
MINNEAPOLIS, MN 55459-0317
11.1. L. 111. Ill. Ill 1.11. Ill. 1. 1.1. 1.1.11L
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
lualll.Is Ill it .r.Al a.llr.Ill .IrAl .l111111 Al I 111 Ill 11111111 Al
5000000001000002068090435237172035422571
o
*0000011
Account Number: 4352-3717-2035.4225 Statement Closing Date: August 27, 2007
JOHN LEGGE Page 2 of 2
Purchases
Aug. 14 MORE THAN TIRES CARLISLE, PA $109.12
Aug. 15 RITE AID STORE #11018 CARLISLE, PA 13,97
Aug. 16 TWX*AOL HIGH SPEED SETTLE 888-889-7201, NY 21.90
Aug. 19 SHRI HARI OM, INC. 039 CARLISLE, PA 25.09
Aug. 25 PAYPAL *CLICKBANK 402-935-7733, ID 36.72
Sub-total Purchases $206.80
Total Purchases & Advances $206.80
Finance Charges
Days in Billing Period: 31
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.0609396 22.24% $0.00 $0.00 $0.00
Cash 0.06915% 25.24% $0.00 $0.00 $0.00
Total FINANCE CHARGES: $0.00
Actual ANNUAL PERCENTAGE RATE: 0.00%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed. -- - - -- - -
IV
29388MB
O II?I?I??IN
00000,
Account Number: 4352-3717-2035-4225 Statement Closing Date: September 27, 2007
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $5,000
Cash Limit $250
Available Credit $4,272
Portion Available for Cash $250
The Cash Limit is a portion of the Total Credit Limit
Questions? Call Us:
Target Credit Services 1-888-755-5856
TDD/TDY 1-800-347-5842
Outside the U.S. 1 l-612-307-8622 (Call Collect)
Calling willnot preserve your billing-error rights
Your Target Rewards Status
Previous Balance 104
Points Earned This Month +364
.............................................................................
New Target Rewards Balance 468
..................... --....................................................
You've got the idea, so keep
shopping RED. Use your REDcard
to earn 1,000 points & we'll send you
a certificate for your very own 10% off
shopping day at Target.
Subject to Target Rewards program rules. See
Target.com/rewards for details.
Previous Balance $206.80
Payments & Credits -206.80
Purchases & Advances 727.19
Other Charges 0.00
FINANCE CHARGES 0.00
New Balance $727.19
Minimum Payment Due $10.00
Payment Due Date October 22, 2007
Your REDcard purchases can help
eligible K-12 schools. Visit
Target.com/tcoe or call
1.800.316.6142 to find out how you
can participate in Take Charge of
Education.
Save with Target Pharmacy
Rewards. Every 10 Rx filled with your
REDcard at Target earns you a 10%
off certificate. Enroll in store or online
at Target.com/pharmacyrewards.
Subject to Target Pharmacy Rewards program
rules. See Target.com/pharmacyrewards for
details.
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
Account Number 4352-3717-2035-4225
Balance $
m Payment Due
M nVimu $10.00
Payment Due Date October 22, 2007
NEW PHONE, HOME OR IIIIIt1IlIIIIIIIlIIIIIIIlIIIIIIII?IIIIIIIIIIIIIIIIII Amount
E-MAIL ADDRESS?
Enclosed
PLEASE UPDATE ON TARGET NATIONAL BANK
REVERSE SIDE. P.O. BOX 59317
OFFICE COPY , MN 55459-0317
MINNEAPOLIS
`
IIIIIIIIItIIIIIIIIIIIIItIlII1I1I1IIIIIIIIIIIIIIIIIIIII IIIIIIII
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
It t111111tllllfill 11IIIIIIt11LI11Istill I111111111111gill ,nH
IIIIIIN
1002060001000007271990435237172035422571
O III?N?IhnIIVN?IW?
Account Number: 4352-3717-2035.4225 Statement Closing Date: September 27, 2007
JOHN LEGGE Page 2 of 2
Payments & Credits
Sep. 17 PAYMENT. THANKS!
-$206.80
Total Payments & Credits -$206.80
Purchases
Sep. 3 GARETH REES 9541134-1171, FL $53.27
Sep. 11 SRR'SIRIUS RADIO 888-539-7474, NY 157.45
Sep. 13 PROGRESSIVE INS 800-888-7764, OH 428.49
Sep. 14 BELDEN JEWELERS #234 HARRISBURG, PA 87.98
Sub-total Purchases $727.19
Total Purchases & Advances $727.19
Finance Charges
Days in Billing Period: 31
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.06093% 22.24% $0.00 $0.00 $0.00
Cash 0.06915% 25.24% $0.00 $0.00 $0.00
Total FINANCE CHARGES: $0.00
Actual AN NUAL PERCENTAGE RATE: 0.00%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
29388028
O IIIN91111NUlll?
*00000*
Account Number: 4352-3717-2035-4225 Statement Closing Date: October 27, 2007
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $5,000
Cash Limit $250
Available Credit $2,189
Portion Available for Cash $44
The Cash Limit is a portion of the Total Credit Limit
Questions? Call Us:
Target Credit Services 1-888-755-5856
TDDffDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Your Target Rewards Status
Previous Balance 468
Points Earned This Month +1104
Awarded This Billing Period 1000
..............................................................................
New Target Rewards Balance 572
Get ready to shop 'til you drop.
You deserve it. Congrats on earning
1,000 points - your Target Rewards
Certificate is on its way. Keep on
shopping for more 10% off days!
Subject to Target Rewards program rules. See
Target.com/rewards for details.
Previous Balance $727.19
Payments & Credits -200.00
Purchases & Advances 2,239.42
Other Charges 0.00
FINANCE CHARGES 43.95
New Balance $2,810.56
Minimum Payment Due $66.89
Payment Due Date November 21, 2007
Every Target Visa purchase you
make can help a K-12 school. For
more info & to participate in Take
Charge of Education, call 1-800-316-
6142 or go to Target.com/tcoe today.
Subject to Take Charge of Education program
rules. See Target.com/tcoe for details.
Target Pharmacy Rewards is your
next step to savings. Enroll, fill
prescriptions at Target Rx with your
Target Visa & every 10 prescriptions
= a 10% off day.
Subject to Target Pharmacy Rewards program
rules. See Target.com/pharmacyrewards for
details.
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
Account Number 4352-3717-2035-4225
New Balance $2,810.56
Payment Due $66.89
Payment Due Date November 21, 2007
NEW PHONE, HOME OR II{IIIIII{{IIIIII{1111III111IIIIIII
III
IIII
II
IIII Amount
E-MAIL ADDRESS? I
I
I
I
Enclosed
PLEASE UPDATE ON TARGET NATIONAL BANK ,V
REVERSE SIDE. P.O. BOX 59317
OFFICE COPY -0317
MINNEAPOLIS, MN 55459
{
VIII{11{IIIIIIIII{{VIII{II{filIIIIIIIIIIIIIIIIIIIIIIVIII {II
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
{111{-{IIIIIIII{IIIIIIIIIIFf I{II{11 {11I11IIIIIII111IIIIII{111{I
5002000006689028105690435237172035422571
O I??IIIIIN???Illlllnl
Account Number: 4352-3717-2035-4225 Statement Closing Date: October 27, 2007
JOHN LEGGE Page 2 of 2
Payments & Credits
Oct. 15 PAYMENT. THANKS! -$200.00
Total Payments & Credits -$200.00
Purchases
Sep. 28 CARLISLE ART & FRAME CARLISLE, PA $90.10
Sep. 29 SHRI HARI OM, INC. Q39 CARLISLE, PA 35.07
Oct. 1 SRR*SIRIUS RADIO 888-539-7474, NY 94.30
Oct. 1 CIRCUIT CITY SS #3720 MECHANICSBURG, PA 344.76
Oct. 3 GUITAR HERO 435-615-6992, NC 113.34
Oct. 3 SHRI HARI OM, INC. 039 CARLISLE, PA 30.78
Oct. 7 PROGRESSIVE INS 800-888-7764, OH 428.49
Oct. 9 HESS 38436 MANHEIM, PA 30.18
Oct. 12 CVS PHARMACY #1646 003 CARLISLE, PA 30.28
Oct. 12 STAPLES 00108704 CARLISLE, PA 265.78
Oct. 13 SUNOCO SVC STATION MECHANICSBURG, PA 21.97
Oct. 16 SHRI HARI OM, INC. 039 CARLISLE, PA 34.20
Oct. 20 SHRI HARI OM, INC. Q39 CARLISLE, PA 28.71
Oct. 23 CD WAREHOUSE-HARRISBURG HARRISBURG, PA 77.28
Oct. 24 WWW.WINFERNO.COM 617-3577000, MA 39.95
Oct. 24 TARGET 00020990 CARLISLE, PA 169.48
Oct. 24 BRIARWOOD ENTERPRISES 305-820-2153, FL 24.90
Oct. 26 HAMMACHER.COM 800-233-4800, IL 177.85
Sub-total Purchases $2,037.42
Cash
Oct. 1 MC11/269 PENROSE PLACE CARLISLE, PA $202.00
CASH ADVANCE FEE *FINANCE CHARGE* $6.06
Sub-total Cash $202.00
Total Purchases & Advances $2,239.42
Finance Charges
Days in Billing Period: 30
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.06093% 22.24% $1,861.75 $34.03 $0.00
Cash 0.06915% 25.24% $186.10 $3.86 $6.06
Total FINANCE CHARGES: $43.95
Actual ANNUAL PERCENTAGE RATE: 25.52%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
29388o28
O II?u?IIII??NII?
*00000*
Account Number: 4352-3717-2035-4225 Statement Closing Date: November 27, 2007
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Tctal Cred t Limit $5,000
Cash Limit $250
Available Credit $1,094
Portion Available for Cash $43
The Cash limit is a portion of the Total Credit Limit
Questions? Call Us:
Ta rget Credit Services 1-888-755-5856
TD D/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Previous Balance $2,810.56
Payments & Credits -800.00
Purchases & Advances 1,782.08
Other Charges 35.00
FINANCE CHARGES 77.81
New Balance $3,905.45
Minimum Payment Due $152.81
Payment Due Date December 22, 2007
`four Target Rewards Status
Previous Balance 572
Points Earned This Month +925
Awarded This Billing Period 1000
................................................:............................
New Target Rewards Balance 497
.............................................................................
Get: ready to shop 'til you drop.
You deserve it. Congrats on earning
1,000 points - your Target Rewards
Certificate is on its way. Keep on
shopping fcr more 10% off days!
Subject to Tartlet Rewards program rules. See
Target.comlrewards for details.
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
Every Target Visa purchase you
make can help a K-12 school. For
more info & to participate in Take
Charge of Education, call 1-800-316-
6142 or go to Target.comttcoe today.
Subject to Take Charge of Education program
rules. See Target.com/tcoe for details.
t
Target National Bank, an arAUale or Target stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION .
(D'
NEW PHONE, HOME OR
E-MAIL ADDRESS?
PLEASE'. UPDATE ON
REVERSE SIDE.
OFFICE COPY
Target Pharmacy Rewards is your
next step to savings. Enroll, fill
prescriptions at Target Rx with your
Target Visa & every 10 prescriptions
= a 10% off day.
Subject to Target Pharmacy Rewards program
rules. See Target. com/pharmacyrewards for
details.
Account Number 4352-3717-2035-4225
New Balance $3,905.45
Minimum Payment Due $152.81
Payment Due Date December 22, 2007
1111 11111111111 IJ?IJrJlrrrrrllrrrJllrrJ??rlll Amount
TARGET NATIONAL BANK Enclosed $
P.O. BOX 59317
MINNEAPOLIS, MN 55459-0317
11111111111111111111111111111111111111111111111111111111111111
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
5008000015281039054590435237172035422571
TARGET.
Account Number: 4352-3717-2035-4225 Statement Closing Date: November 27, 2007
JOHN LEGGE Page 2 of 2
Payments & Credits
Nov. 26 PAYMENT. THANKS! -$800.00
Total Payments & Credits -$800.00
Purchases
Oct. 26 CVS PHARMACY #1646 Q03 CARLISLE, PA $170.76
Oct. 29 PROGRESSIVE INS 800-888-7764, OH 423.49
Oct. 29 KWIK FILL 259 Q86 MECHANICSBURG, PA 34.10
Oct. 30 WEGMANS #45 SE1 MECHANICSBURG, PA 101.50
Oct. 31 CARLISLE ART & FRAME CARLISLE, PA 109.18
Nov. 1 RECORD & TAPE TRADERS FREDERICK, MD 47.21
Nov. 1 WONDER BOOK & VIDEO FREDERICK, MD 54.32
Nov. 1 TURKEY HILL #0230 Q69 CARLISLE, PA 30.81
Nov. 2 CVS PHARMACY #1646 Q03 CARLISLE, PA 106.69
Nov. 3 CD WAREHOUSE-HARRISBURG HARRISBURG, PA 50.84
Nov. 7 BON-TON-CARLISLE #0009 CARLISLE, PA 224.99
Nov. 7 STAPLES 00108704 CARLISLE, PA 63.45
Nov. 7 AMOCO OIL 06954408 CARLISLE, PA 33.26
Nov. 10 FYE CARLISLE COMMONS CARLISLE, PA 52.55
Nov. 10 GULF 92038131 CARLISLE, PA 30.22
Nov. 13 TARGET 00020990 CARLISLE, PA 29.01
Nov. 15 TARGET 00020990 CARLISLE, PA 37.06
Nov. 16 SHEETZ 00001917 CARLISLE, PA 32.51
Nov. 19 SHEETZ 00003129 MT JOY, PA 30.54
Nov. 23 HESS 38252 CARLISLE, PA 28.77
Nov. 25 BORDERS BOOKS 01004555 CAMP HILL, PA 70.99
Nov. 26 SHRI HARI OM, INC. Q39 CARLISLE, PA 19.83
Sub-total Purchases $1,782.08
Total Purchases & Advances $1,782.08
Other Charges
Nov. 21 LATE PAYMENT FEE $35.00
Total Other Charges $35.00
Finance Charges
Days in Billing Period: 31
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.05956% 21.74% $3,977.91 $73.45 $0.00
Cash 0.06778% 24.74% $207.71 $4.36 $0.00
Total FINANCE CHARGES: $77.81
Actual ANNUAL PERCENTAGE RATE : 22.30%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary.
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
Special Announcements and Exclusive Offers
"Global Bazaar is coming back to Target with a colorful new twist. Get a REDcard sneak preview at
Target.com/global starting December 26th"
29388028
O IIIIIWII?I?INI?III?
Account Number: 4352-3717-2035-4225 Statement Closing Date: December 27, 2007
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $5,000
Cash Limit $250
Available Credit $1,025
Portion Available for Cash $56
The Cash Limit is a portion of the Total Credit Limit
Questions? Call Us:
Target Credit Services 1-888-755-5856
TDDfrDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Your Target Rewards Status
Previous Balance 497
Points Earned This Month +249
.............................................................................
New Target Rewards Balance 746
Keep shopping with your REDcard.
You're very close to accumulating
1,000 points, which earns you a
Target Rewards certificate for your
own 10% off shopping day at Target.
Subject to Target Rewards program rules. See
store or Target.corrdrewards for details.
Previous Balance $3,905.45
Payments & Credits -500.00
Purchases & Advances 497.62
Other Charges 0.00
FINANCE CHARGES 71.83
New Balance $3,974.90
Minimum Payment Due $111.83
Payment Due Date January 21, 2008
Through Take Charge of Education,
we've given over $200 million to
eligible K-12 schools since 1997. By
using your REDcard, you can help
too. Call 1-800-316-6142 to learn how.
The RX for savings - when you
enroll in Target Pharmacy Rewards,
every time you fill 10 prescriptions at
Target using your REDcard you earn
your own 10% off shopping day.
Subject to Target Pharmacy Rewards program
rules. See store or
Target.com/pharmacyrewards for details.
Payments & Credits
Dec. 13 PAYMENT. THANKS! -$500.00
Total Payments & Credits -$500.00
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
Account Number 4352-3717-2035-4225
New Balance $3,974.90
Minimum Payment Due $111.83
Payment Due Date January 21, 2008
NEW PHONE, HOME OR llllllllllllllllllllllllllllllllllllllllll{l.llllllll Amount
E-MAIL ADDRESS?
Enclosed
PLEASE UPDATE ON TARGET NATIONAL BANK
REVERSE SIDE. P.O. BOX 59317
OFFICE COPY MINNEAPOLIS, MN 55459-0317
I I I Ll.. I I I I I I I . 1 . . Ill. 1 1 1 1 1 1 1 1 1 1 1 1 . 11.11. I l l l l 1111.11 1....l l i l
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
it It 1115111115151Ill 51115111111all Ill Ill l5111111111sill IIIll
1005000011183039749090435237172035422571
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TARGET
Account Number: 4352-3717-2035-4225 Statement Closing Date: December 27, 2007
JOHN LEGGE Page 2 of 2
Purchases
Nov. 30 SHEETZ 00002014 MECHANICBURG, PA $31.35
Dec. 3 GUITAR HERO 435-615-6992, NC 113.34
Dec. 10 BCP SALES INC. 4357646872, UT 173.38
Dec. 13 1ST000RT 702-939-6339, NV 29.99
Dec. 13 PAYPAL •CLICKBANK 402-935-773a ID 27.80
Dec. 15 EPOCH.COM'TPVLLC 310664581Q CA 29.95
Dec. 16 CCBILLEU.COM +18885969279 VALETTA, MT 29.96
Dec. 16 BILLFAME.COM 5143341887, CY 1.95
Dec. 16 PWIPAY.COM 514-334-1887, CY 29.95
Dec. 21 BILLFAME.COM 5143341887, CY 29.95
Sub-total Purchases $497.62
Total Purchases & Advances $497.62
Finance Charges
Days in Billing Period: 30
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.05956% 21.74% $3,785.41 $67.64 $0.00
Cash 0.06778% 24.74% $206.21 $4.19 40.00
Total FINANCE CHARGES: $71.83 - - -
Actual AN NUAL PERCENTAGE RATE: 21.59%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
29388028
TARGET
Account Number: 4352-3717-2035-4225 Statement Closing Date: January 27, 2008
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $5,000 Previous Balance $3,974.90
Cash Limit $250 Payments & Credits -122.38
Available Credit $818 Purchases & Advances 216.96
Portion Available for Cash $43 Other Charges 35.00
The Cash Limit is a portion of the Total Credit Limit FINANCE CHARGES 76.54
New Balance $4,181.02
Questions? Call Us:
Minimum Payment Due $153.54
Target Credit Services 1-888-755-5856
TDD/TDY 1-800-347-5842 Payment Due Date February 21, 2008
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Your Target Rewards Status
Previous Balance 746
Points Earned This Month +142
.............................................................................
New Target Rewards Balance 888
.............................................................................
Keep shopping with your REDcard.
You're very close to accumulating
1,000 points, which earns you a
Target Rewards certificate for your
own 10% off shopping day at Target.
Subject to Target Rewards program rules. See
store or Target.comlrewards for details.
Through Take Charge of Education,
we've given over $200 million to
eligible K-12 schools since 1997. By
using your REDcard, you can help
too. Call 1-800-316-6142 to learn how.
The RX for savings - when you
enroll in Target Pharmacy Rewards,
every time you fill 10 prescriptions at
Target using your REDcard you earn
your own 10% off shopping day.
Subject to Target Pharmacy Rewards program
rules. See store or
Target.com/pharmacyrewards for details.
Payments & Credits
Jan. 13 TARGET 00022020 MECHANICSBURG, PA -$2.38
Jan. 25 PAYMENT. THANKS! -120.00
Total Payments & Credits -$122.38
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
la Account Number 4352- 3717-2035-4225
New Balance $4,181.02
TARGETm
Minimum Payment Due
$153.54
Payment Due Date February 21, 2008
NEW PHONE, HOME OR Illlilllll11I11IIIII.IIIIIIi{11111{{fill{{{111{111{{{ Amount
E-MAIL ADDRESS? Enclosed $
PLEASE UPDATE ON TARGET NATIONAL BANK
REVERSE SIDE. P.O. BOX 59317
OFFICE COPY MINNEAPOLIS, MN 55459-0317
{{1{/{11{{111{{{{l 1l{{{111I{1{1{ II{11{{1111{{11{{II{{ {11{IIII{
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
{n r{{1111{{III I I I I If I I I I I III{1{I lilt i lllll11 III 11{1{1{1{111111
8001200015354041810290435237172035422571
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Account Number: 4352-3717-2035-0225 Statement Closing Date: January 27, 2008
JOHN LEGGE Page 2 of 2
Purchases
Dec. 30 HDP"NETDETECTIVE.NET 866-5844442, FL $29.95
Jan. 2 TARGET 00022020 MECHANICSBURG, PA 33.88
Jan. 2 CIRCUIT CITY SS #3720 MECHANICSBURG, PA 58.28
Jan. 3 TARGET 00020990 CARLISLE, PA 34.95
Jan. 15 EPOCH.COM"TPVLLC 310664581Q CA 29.95
Jan. 15 PVJIPAY.COM 514-334-1887, CY 29.95
Sub-total Purchases $216.96
Total Purchases 8 Advances $216.96
Other Charges
Jan. 21 LATE PAYMENT FEE $35.00
Total Other Charges $35.00
Finance Charges
Days in Billing Period: 31
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.05887% 21.49% $3,957.44 $72.22 $0.00
Cash 0.06709% 24.49% $207.87 $4.32 $0.00
Total FINANCE CHARGES: $76.54
Actual ANNUAL PERCENTAGE RATE: 22.05%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary.
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
Special Announcements and Exclusive Offers
On January 15, get John Legend's new album Live from Philadelphia. The CD from this multi-platinum
Grammy-winning recording artist showcases 19 songs, including the hits "Where's the Love" featuring a duet
with Corinne Bailey Rae, and "Slow Dance". The deluxe CD/DVD includes the concert CD, plus 30 minutes of
concert footage, videos and interview. Available exclusively at Target and Target.com.
29388028
O II?IIIIIIIIIIIIIIIII?I?Al18
TARGET.
Account Number: 4352-3717-2035-4225 Statement Closing Date: February 27, 2008
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $5,000
Cash Lirrit $250
Available Credit $889
Portion Available for Cash $43
The Cash Limit is a portion of the Total Credit Limit
Questions? Call Us:
Target Credit Services 1-888-755-5856
TD D/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Previous Balance $4,181.02
Payments & Credits -182.00
Purchases & Advances 0.00
Other Charges 35.00
FINANCE CHARGES 76.12
New Balance $4,110.14
Minimum Payment Due $153.12
Payment Due Date March 23, 2008
Important Messages
We've included some important information about your account with this statement, so be sure to read through the
enclosed notice(s).
Your Target Rewards Status
Previous Balance
888
Points Earned This Month +0
.............................................................................
New Target Rewards Balance 888
.............................................................................
You're getting so close to earning
a 10% off shopping day - keep
using your REDcard & you'll get
there.
Subject to Target Rewards program rules. See
store or Target.com/rewards for details.
Help K-12 schools through Take
Charge of Education. Call 1-800-316-
6142 to find out more.
Subject to Take Charge of Education program
rules. See Target.com/tcoe for details.
Enroll in Target Pharmacy Rewards
& get a 10% off day when you fill 10
Rx at Target with your REDcard. - - ----- -- - --
Subject to Target Pharmacy Rewards program
rules. See store or
Target.com/pharmacyrewards for details.
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
Account Number 4352-3717-2035-4225
New Balance $4,110.14
Minimum Payment Due $153.12
Payment Due Date March 23, 2008
NEW PHONE, HOME OR II{1{11{1{It{11{1{1{1{1{11{{11111{1111{{{I11{111{{ { Amount
E-MAIL ADDRESS? Enclosed $
PLEASE UPDATE ON TARGET NATIONAL BANK
R EVER SE SIDE. P.O. BOX 59317 -
OFFICE COPY MINNEAPOLIS, MN 55459-0317
{{1{1{11{{{{{{111{?{{{{{11{{11{1{{1{{{11{{{1{1{1{1{ {11{{1{{{1{
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
{111{{{111{{{111111{{11{{111{{1{11{ll{11{1{11{{111{1{1{f{11f{{
3001820015312041101490435237172035422571
O i?I?IIahl?Nllllll?l?
Account Number: 4352-3717-2035-4225 Statement Closing Date. February 27, 2008
JOHN LEGGE Page 2 of 2
Payments & Credits
Feb. 22 PAYMENT. THANKS! -$182.00
Total Payments & Credits -$182.00
Other Charges
Feb. 21 LATE PAYMENT FEE $35.00
Total Other Charges $35.00
Finance Charges
Days in Billing Period: 31
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.05819% 21.24% $3,983.05 $71.85 $0.00
Cash 0.06641% 24.24% $207.55 $4.27 $0.00
Total FINANCE CHARGES: $76.12
Actual AN NUAL PERCENTAGE RATE: 21.79%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary.
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
29388028
Q Illllllll?lllln?lllll?llll?
Account Number: 4352-3717-2035-4225 Statement Closing Date: March 27, 2008
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $5,000 Previous Balance $4,110.14
Cash Limit $0 Payments & Credits 0.00
Available Credit $0 Purchases & Advances 886.76
Portion Available for Cash $0 Other Charges 35.00
The Cash Limit is a portion of the Total Credit Limit FINANCE CHARGES 78.85
Questions? Call Us:
Target Credit Services 1-888-755-5856
TDD/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
New Balance $5,110.75
Amount Past Due $153.12
Minimum Payment Due $318.97
(includes any Amount Past Due)
Payment Due Date April 21, 2008
Important Messages
We Miss You!
Of course, we look forward to hearing from you every month and were disappointed when we realized that last month's
payment has not arrived yet. If you did already make your payment, thanks! Otherwise, please make your payment right
now by calling (888) 608-7627. Late payments, missed payments, or other defaults on your account may be reflected in
your credit report.
Your Target Rewards Status
Previous Balance 888
Points Earned This Month +444
Awarded This Billing Period 1000
.............................................................................
New Target Rewards Balance 332
.............................................................................
Enroll in Take Chare of Education,
& help students at the K - 12 school of
your choice.
Subject to Take Charge of Education program
rules. See store or Target.com/tcoe for details.
Enroll in Target Pharmacy
Rewards, fill 10 prescriptions with
your REDcard at Target, to earn a
10% off sale day at Target.
Subject to Target Pharmacy Rewards program
rules. See store or Target.com/pharmacy
rewards for details.
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
•
TARGET
NEW PHONE, HOME OR
E-MAIL ADDRESS?
PLEASE UPDATE ON
REVERSE SIDE.
OFFICE COPY
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
iNr?IIIIIIII?II???IIINN?I?IINN??1?
TARGET NATIONAL BANK
P.O. BOX 59317
MINNEAPOLIS, MN 55459-0317
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
3001820031897051107590435237172035422571
Account Number 4352-3717-2035-4225
New Balance $5,110.75
Minimum Payment Due $318.97
Payment Due Date April 21, 2008
Amount
Enclosed $
TARGET-
Account Number: 4352-3717-2035-4225 Statement Closing Date: March 27, 2008
JOHN LEGGE Page 2 of 2
Payments & Credits
No payments or credits were received last month.
Purchases
Feb. 28 PROGRESSIVE INS 800-888-7764, OH $294.49
Feb. 28 SUNOCO SVC STATION MECHANICSBURG, PA 43.05
Feb. 29 SHEETZ 00002014 MECHANICBURG, PA 26.37
Mar. 1 TJMAXX#0720 MECHANICSBURG, PA 26.50
Mar. 1 SHEETZ 00002014 MECHANICBURG, PA 25.46
Mar. 2 EPOCH.COM *TPVLLC 3106645810, CA 29.95
Mar. 2 SHRI HARI OM, INC. Q39 CARLISLE, PA 42.76
Mar. 3 GIANT FOOD #120 MECHANICSBURG, PA 12.00
Mar. 3 CVS PHARMACY #1646 Q03 CARLISLE, PA 20.59
Mar. 4 EXXONMOBIL 47617634 PETERSBURG, VA 39.78
Mar. 5 MARATHON OIL 160044Q96 THOMASVILLE, NC 40.31
Mar. 6 MAPCO-EXPRESS #4041 CHESTER, VA 38.62
Mar. 6 RED ROOF INNS 00002014 DURHAM, NC 135.28
Mar. 6 SUNOCO SVC STATION MECHANICSBURG, PA 39.67
Mar. 7 BEST BUY 00014787 MECHANICSBURG, PA 18.01
Mar. 7 SUNOCO SVC STATION MECHANICSBURG, PA 30.95
Mar. 8 WAL-MART #2574 CARLISLE, PA 14.18
Mar. 15 EPOCH.COM*PRICECOMMU 3106645B1Q CA 1.85
Mar. 15 EPOCH.COM*VIRTUALTRA 3106645810, CA 1.99
Mar. 16 CALLSTARBILLING.COM 661.621.9395, CY 4.95
Sub-total Purchases $886.76
Total Purchases & Advances $886.76
Other Charges
Mar. 23 LATE PAYMENT FEE $35.00
Total Other Charges $35.00
Finance Charges
Days in Billing Period: 29
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.05476% 19.99% $4,725.91 $75.05 $0.00
Cash 0.06298% 22.99% $208.09 $3.80 $0.00
Total FINANCE CHARGES: $78.85
Actual ANNUAL PERCENTAGE RATE: 19.17%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
29388028
O i?'???IIVII?I?
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Account Number: 4352-3717-2035-4225 Statement Closing Date: April 27, 2008
JOHN LEGGE Page 1 of 2
Target 'Visa Credit Card Account Summary
Total Credit Limit $5,000
Cash Lim ,t $0
Available ^-redit $0
Portion Available for Cash $0
The Cash Limit is a portion of the Total Credit Limit
Questions? Call Us:
Target Credit Services 1-888-755-5856
TDD/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Previous Balance $5,110.75
Payments & Credits 0.00
Purchases & Advances 0.00
Other Charges 35.00
FINANCE CHARGES 88.15
New Balance $5,233.90
Amount Past Due $318.97
Minimum Payment Due $495.12
(includes any Amount Past Duel
Payment Due Date May 22, 2008
Important Messages
You have missed two payments; this is not a good thing.
We may be reporting your account as past due to the national credit bureaus and are charging you late fees. (If you've
already made your payment, thanks.) Otherwise, its important you pay the Minimum Due now. Questions? Call us at
(888) 608-7627.
Payments & Credits
No payments or credits were received last month.
Other Charges
Apr. 21 LATE PAYMENT FEE $35.00
Total Other Charges $35.00
Target National Bank, an afMiale of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TAR GET NATIONAL BANK
Account Number 4352-3717-2035-4225
New Balance $$
TARGET
Minimum Payment Due
495.12
Payment Due Date May 22, 2008
NEW PHONE, HOME OR IIf111111111111f111{Iflfllfllllllllllllflflllflllffl Amount
E-MAIL ADDRESS? Enclosed ,$
PLEASE.UPOATE ON TARGET NATIONAL BANK
REVERSE SIDE. P.O. BOX 59317
OFFICE COPY MINNEAPOLIS, MN 55459-0317
{LLLI{II111111IIIIINIILIIIIIIIIfII{IIIIIfLILIL111 fL1{
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
111 II1IIIILIf if 1111lfin111111l{sit i1L,11111111111,Lloll
9001820049512052339090435237172035422571
TARGET-
=00000-
Account Number: 4352-3717-2035-4225 Statement Closing Date: April 27, 2008
JOHN LEGGE Page 2 of 2
Finance Charges
Days in Billing Period: 31
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.05476% 19.99% $4,949.07 $84.01 $0.00
Cash 0.06298% 22.99% $212.06 $4.14 $0.00
Total FINANCE CHARGES: $88.15
Actual ANNUAL PERCENTAGE RATE: 20.494{0
Your periodic rate(s) and corresponding Annual P ercentage Rate(s) for purchases and cash advances may vary.
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
29388028
`/ i??MI?I?AIG
TARUET-
Account Number: 4352-3717-2035-4225 Statement Closing Date: May 27, 2008
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $5,000
Cash Limit $0
Availat le Credit $0
Portion Available for Cash $0
The Cash Limit is a portion of the Total Credit Limit
Questions? Call Us:
Target ',reditServices 1-888-755-5856
TDD/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Previous Balance $5,233.90
Payments & Credits -300.00
Purchases & Advances 0.00
Other Charges 39.00
FINANCE CHARGES 109.26
New Balance $5,082.16
Amount Past Due $195.12
Minimum Payment Due $394.38
(includes any Amount Past Due)
Payment Due Date June 21, 2008
Important Messages
You have missed two payments; this is not a good thing.
We may be reporting your account as past due to the national credit bureaus and are charging you late fees. (If you've
already made your payment, thanks.) Otherwise, its important you pay the Minimum Due now. Questions? Call us at
(888) 608-7627.
Payments 8t Credits
May 10 PAYMENT. THANKS! -$300.00
Total Payments & Credits -$300.00
Other Charges
May 22 LATE PAYMENT FEE $39.00
Total Other Charges $39.00
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
•
TARGEf:
NEW PHONE, HOME OR
E-MAIL ADDRESS?
PLEASE UPDATE ON
REVERSE S113E.
OFFICE: COPY
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
Account Number 4352-3717-2035-4225
New Balance $5,082.16
Minimum Payment Due $394.38
Payment Due Date June 21, 2008
TARGET NATIONAL BANK
P.O. BOX 59317
MINNEAPOLIS, MN 55459-0317
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
1tis lilt n11111nn anil
Amount
Enclosed $
5003000039438050821690435237172035422571
TARGET-
Account Number: 4352-3717-2035-4225 Statement Closing Date: May 27, 2008
JOHN LEGGE Page 2 of 2
Finance Charges
Days in Billing Period: 30
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.07120% 25.99% $4,905.95 $104.79 $0.00
Cash 0.0712036 25.99% $209.06 $4.47 $0.00
Total FINANCE CHARGES: $109.26
Actual ANNUAL PERCENTAGE RATE: 25.994/6
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary.
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
Special Announcements and Exclusive Offers
Not enrolled in Target Pharmacy Rewards? Sign up today! By using your REDcard to fill prescriptions at
Target Pharmacy, you can earn Target Rx Rewards punches and Target Rewards points toward a 10% off day
of shopping.
Subject to Target Pharmacy Rewards and Target Rewards program rules. See Target.comlpharmacyrewards and Target.comlrewards for details.
29388028
O Illllllll???nNllll??ll
TARGET-
Account Number: 4352-3717-2035-4225 Statement Closing Date: June 27, 2008
JOHN LEGGE Page 1 of 1
Target Visa Credit Card Account Summary
Total Credit Limit $0 Previous Balance $5,082.16
Cash Limit $0 Payments & Credits -394.38
Available Credit $0 Purchases & Advances 0.00
Portion Available for Cash $0 Other Charges 0.00
The Cash Limit is a portion of the Total Credit Limit FINANCE CHARGES 107.07
New Balance $4,794.85
Questions? Call US: Minimum Payment Due 6155.07
Target Credit Services 1-888-755-5856
Payment Due Date
July 22, 2008
TDD/TDY 1.800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Payments & Credits
Jun. 17 PHONE PAYMENT MECHANICSBURG, PA -$394.38
Total Payments & Credits -$394.38
Finance Charges
Days in Billing Period: 31
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.06915% 25.24% $4,787.75 $102.63 $0.00
Cash 0.06915% 25.24% $207.03 $4.44 $0.00
Total FINANCE CHARGES: $107.07
Actual ANNUAL PERCENTAGE RATE: 25.2411/6
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
- Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABL E TO TARGET NATIONAL BANK
Account Number 4352-3717-2035-4225
I u N New Balance $4,794.85
TARGEIG I? iII I11 I1NIIIINIII???I?l?#?IfI? Minimum Payment Due $155.07
07
Payment Due Date July 22, 2008
NEW PHONE, HOME OR IIIIIIIItIIIIIIIIIIIIIIIIIIflllllllllllllllllf111I II Amount
E-MAIL ADDRESS? Enclosed $
PLEASE UPDATE ON TARGET NATIONAL BANK
REVERSE SIDE. P.O. BOX 59317
OFFICE COPY MINNEAPOLIS, MN 55459-0317
H1IIIIIIIfI1LLNI1111?LIL1111111111111fN111 LI11Llfllll
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
it It lilt III list It u11n11Is 111111115111%111u11n1111111111111
0003940015507047948590435237172035422571
TARGET.
Account Number: 4352-3717-2035-4225 Statement Closing Date: July 27, 2008
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $0
Cash Limit $0
Available Credit $0
Portion Available for Cash $0
Previous Balance
Payments & Credits
Purchases & Advances
Other Charges
FINANCE CHARGES
New Balance
$4,794.85
0.00
0.00
39.00
99.62
The Cash Limit is a portion of the Total Credit Limit
Questions? Go online or call us:
Manage My REDcard Target.com/redcard
Target Credit Services 1-888-755-5856
TD D/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
. $4,933.47
Amount Past Due $166.07
Minimum Payment Due $343.69
(includes any Amount Past Due)
Payment Due Date
August 21, 2008
Important Messages
We Miss You!
Of course, we look forward to hearing from you every month and were disappointed when we realized that last month's
payment has not arrived yet. If you did already make your payment, thanks! Otherwise, please make your payment right
now by calling (888) 608-7627. Late payments, missed payments, or other defaults on your account may be reflected in
your credit report.
Payments & Credits
No payments or credits were received last month.
Other Charges
Jul. 22 LATE PAYMENT FEE $39.00
Total Other Charges $39.00
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
Account Number 4352-3717-2035-4225
New Balance $4,933.47
Minimum
Payment Due
$343.69
Payment Due Date August 21, 2008
NEW PHONE, HOME OR
E-M
1111111111111111111111111t11t111111111111111111
111 Amount
AIL ADDRESS?
PLEASE UPDATE ON 11
TARGET NATIONAL BANK Enclosed $
REVERSE SIDE. P.O. BOX 59317
OFFICE COPY MINNEAPOLIS, MN 55459-0317
11111111111111111111111111111111111111111111111 t l l l l t 111111111
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
if 1111111111111,If llnll1,t1111nlit If lltt11111111I1LIr1111
2003940034369049334790435237172035422571
TARGET.
YN?IIIIIIII?I?INI?
*00000*
Account Number: 4352-3717-2035-4225 Statement Closing Date: July 27, 2008
JOHN LEGGE Page 2 of 2
Finance Charges
Days in Billing Period: 30
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.06846% 24.99% $4,642.06 $95.34 $0.00
Cash 0.06846% 24.99% $208.50 $4.28 $0.00
Total FINANCE CHARGES: $99.62
Actual AN NUAL PERCENTAGE RATE : 24.99%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
29388028
TARGET.
1111111111111111111
*00000*
Account Number: 4352-3717-2035-4225 Statement Closing Date: August 27, 2008
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $0
Cash Limit $0
Available Credit $0
Portion Available for Cash $0
The Cash Limit is a portion of the Total Credit Limit
Questions? Go online or call us:
Manage My REDcard Target.com/redcard
Target Credit Services 1-888-755-5856
TD D/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Previous Balance
Payments & Credits
Purchases & Advances
Other Charges
FINANCE CHARGES
New Balance
$4,933.47
0.00
0.00
39.00
105.97
$5,078.44
Amount Past Due $343.69
Minimum Payment Due $539.66
(includes any Amount Past Due)
Payment Due Date September 21, 2008
Important Messages
You have missed two payments; this is not a good thing.
We may be reporting your account as past due to the national credit bureaus and are charging you late fees. (If you've
already made your payment, thanks.) Otherwise, its important you pay the Minimum Due now. Questions? Call us at
(888) 608-7627.
Payments 81 Credits
No payments or credits were received last month.
Other Charges
Aug. 21 LATE PAYMENT FEE $39.00
Total Other Charges $39.00
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
G),
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
IIIIiiiiliiiiiiiiiiiiilillilluilil
NEW PHONE, HOME OR IIII'll'IIII?IIIIIIIIIIIII?IIIIIIII
E-MAIL ADDRESS? 11111111111111'II
PLEASE UPDATE ON TARGET NATIONAL BANK
REVERSE SIDE. P.O. BOX 59317
OFFICE COPY MINNEAPOLIS, MN 55459-0317
. JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
II III'I111 ?'I111111 ?'11"111" I?t1111111?1'l1?I111?11lIIIIIIII
Account Number 4352-3717-2035-4225
New Balance $5,078.44
Minimum Payment Due $539.66
Payment Due Date September 21, 2008
Amount
Enclosed Ls 9003940053966050784490435237172035422571
1 A14GE1
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Account Number: 4352-3717-2035-4225 Statement Closing Date: August 27, 2008
JOHN LE.GGE Page 2 of 2
Finance Charges
Days in Biding Period: 31
Corresponding Average Periodic Transaction
Dairy Annual Daily FINANCE FINANCE
Balance Ti pe Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.06846% 24.99% $4,780.39 $101.45 $0.00
Cash 0.068469/6 24.99% $212.89 $4.62 $0.00
Total FINANCE CHARGES: $105.97
Actual ANNUAL PERCENTAGE RATE: 24.99%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary
Th are is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
29388023
E)
*0000-
Account Number: 4352-3717-2035-4225 Statement Closing Date: September 27, 2008
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $0
Cash Limit $0
Available Credit $0
Portion Available for Cash $0
The Cash Limit is a portion of the Total Credit Limit
Questions? Go online or call us:
Manage My REDcard Target.com/redcard
Target Credit Services 1-888-755-5856
TDDrrDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Previous Balance $5,078.44
Payments & Credits 0.00
Purchases & Advances 0.00
Other Charges 39.00
FINANCE CHARGES 109.08
New Balance $5,226.52
Amount Past Due $539.66
Minimum Payment Due $740.74
(includes any Amount Past Due)
Payment Due Date October 22, 2008
Important Messages
Important Statement Message
Security is important to us as it is to you - that's why we will be removing your account number from your credit card
statement, beginning on your next statement. If you need to call us for any reason, please have your credit card handy.
Really Important Notice
We haven't received sufficient payment on your account. Please pay the Minimum Due by your billing date. If we receive
this payment, your account will begin to be reported as current to the credit bureaus -- and you'll avoid more late fees.
Questions? Call us at (888) 608-7627.
Payments & Credits
No payments or credits were received last month.
Other Charges
Sep. 21 LATE PAYMENT FEE $39.00
Total Other Charges $39.00
Target National Bank, an &MIlate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
0 Account Number 4352-3717-2035-4225
Y
Balance
v
,226.52
$
I I
IA1II 111 M n
imum Payment Due $740.74
Payment Due Date October 22, 2008
NEW PHONE, HOME OR II II I I I II I I II I III IIII I I I11III I I I II I III I II I
I
II I Amount
E-MAIL ADDRESS?
PLEASE UPDATE ON III
I I I Enclosed $
TARGET NATIONAL BANK
REVERSE SIDE. P.O. BOX 59317
OFFICE COPY MINNEAPOLIS, MN 55459-0317
11
1
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111
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11
11
11
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JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
IIIIIILIJILIII?JL?IIIIIILL111,InI1I11111111111I11n111
0
2003940074074052265290435237172035422571
Account Number: 4332-3717-2035-4225 Statement Closing Date: September 27, 2008
JOHN LEGGE Page 2 of 2
Finance Charges
Days in Billing Period: 31
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.06846% 24.99% $4,922.30 $104.46 $0.00
Cash 0.06846% 24.99% $217.46 44.62 $0.00
Total FINANCE CHARGES: $109.08
Actual AN NUAL PERCENTAGE RATE: 24.99%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
29388028
103000*
Account Number: XXXX-XXXX-XXXX4225
Account Identification Number: 00029388028 Statement Closing Date: October 27, 2008
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $0 Previous Balance $5,226.52
Cash Limit $0 Payments & Credits 0.00
Available Credit $0 Purchases & Advances 0.00
Portion Available for Cash $0 Other Charges 39.00
The Cash Limit is a portion of the Total Credit Limit FINANCE CHARGES 108.57
Questions? Go online or call us:
Manage My REDcard Target.com/redcard
Target Credit Services 1-888-755-5856
TDD/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
New Balance $5,374.09
Amount Past Due $740.74
Minimum Payment Due $942.31
(includes any Amount Past Due)
Payment Due Date
November 21, 2008
Important Messages
CRITICAL ALERT!
Your account is now closed and we may be reporting it to the national credit bureaus as delinquent. If you can't make a
payment of at least the Minimum Due, call us right away at (888) 608-7627 so that we can work something out. The
sooner you call, the sooner we can help.
Important Statement Message
Security is important to us as it is to you - that's why we have removed your account number from your credit card
statement. If you need to call us for any reason, please have your credit card handy.
Payments & Credits
No payments or credits were received last month.
Other Charges
Oct. 22 LATE PAYMENT FEE $39.00
Total Other Charges $39.00
Target National Bank, an aMfiate of Target Stores • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
•
TARGET.
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
I?IIIIN?N?IIIIINI?III??IIINIII?III
NEW PHONE, HOME OR
E-MAIL ADDRESS?
PLEASE UPDATE ON TARGET NATIONAL BANK
REVERSE E SIDE. . P.O. BOX 59317
OFFICE COPY MINNEAPOLIS, MN 55459-0317
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII11IItI11IlI11I I111IlIlIlI11tII
Account Number XXXX-XXXX-XXXX-4225
New Balance $5,374.09
Minimum Payment Due $942.31
Payment Due Date November 21, 2008
Amount
Enclosed 1 7 $
8003940094231053740990435237172035422571
1 dRGE'!a
=00000-
Account Number: XXXX-XXXX-XXXX42 25
Account Identification Number: 00029388028 Statement Closing Date: October 27, 2008
JOHN LEGGE Page 2 of 2
Finance Charges
Days in Baling Period: 30
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchaser 0.06846% 24.99% $5,064.49 $104.01 $0.00
Cash 0.06846% 24.99% $222.05 $4.56 $0.00
Total FINANCE CHARGES: $108.57
Actual ANNUAL PERCENTAGE RATE: 24.99%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
293aaazd
TARGET.
*03000*
Account Number: XXXX-XXXX-XXXX-4225
Account Identification Number: 00029388028 Statement Closing Date: November 27, 2008
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $0
Cash Limit $0
Available Credit $0
Portion Available for Cash $0
The Cash Limit is a portion of the Total Credit Limit
Questions? Go online or call us:
Manage My REDcard Target.com/redcard
Target Credit Services 1-888-755-5856
TD D/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Previous Balance $5,374.09
Payments & Credits 0.00
Purchases & Advances 0.00
Other Charges 39.00
FINANCE CHARGES 115.42
New Balance $5,528.51
Amount Past Due $942.31
Minimum Payment Due $1,152.73
(includes any Amount Past Due)
Payment Due Date December 22, 2008
Important Messages
CRITICAL ALERT!
You haven't made sufficient payment on this account in 5 months. We may be reporting your account to the national credit
bureaus as delinquent and your account may be racking up late fees. So if you can't make that payment, call us right
away at (888) 608-7627 so that we can work something out. The sooner you call, the sooner we can help. You can
conveniently make your REDcard payment at your local Target store, or call us to set up a check by phone.
Payments & Credits
No payments or credits were received last month.
Other Charges
Nov. 21 LATE PAYMENT FEE $39.00
Total Other Charges $39.00
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
INCLUDE TH IS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
Account Number XXXX-XXXX-XXXX-4225
ea
Minimum
Payment Due $1,152.73
Payment Due Date December 22, 2008
NEW PHONE, HOME OR (I I I III III II I I II I) III II I I II I II I I I I I I I I I III
I
I I I Amount
E-MAIL ADDRESS?
PLEA 111
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ON
SE UPDATE TARGET NATIONAL BANK
REVER
REVERSE SIDE. . P.O. BOX 59317
OFFICE COPY MINNEAPOLIS, MN 55459-0317
V
I
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III
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II
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II
II
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JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
IIIIIIIIIIIII1111IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
300394011527305528519043523717203542,2571
TARGET.
00000=
Account Number: XXXX-XXXX-XXXX-42 25
Account Identification Number: 00029388028 Statement Closing Date: November 27, 2008
JOHN LEGGE Page 2 of 2
Finance Charges
Days in Billing Period: 31
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.06846% 24.99% $5,211.73 $110.61 $0.00
Cash 0.068460k 24.99% $226.74 $4.81 $0.00
Total FINANCE CHARGES: $115.42
Actual AN NUAL PERCENTAGE RATE: 24.99%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
1 29388028
*00000*
Account Number: XXXX-XXXX-XXXX-4225
Account Identification Number: 00029388028 Statement Closing Date: December 27, 2008
JOHN LEGGE Page I of 2
Target Visa Credit Card Account Summary
Total Credit Limit $0
Cash Limit $0
Available Credit $0
Portion Available for Cash $0
The Cash Limit is a portion of the Total Credit Limit
Questions? Go online or call us:
Manage My REDcard Target.com/redcard
Target Credit Services 1-888-755-5856
TDD/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Previous Balance $5,528.51
Payments & Credits 0.00
Purchases & Advances 0.00
Other Charges 39.00
FINANCE CHARGES 114.83
New Balance $5,682.34
Amount Past Due $1,152.73
Minimum Payment Due $1,363.56
(includes any Amount Past Due)
Payment Due Date January 21, 2009
Payments 81 Credits
No payments or credits were received last month.
Other Charges
Dec. 22 LATE PAYMENT FEE $39.00
Total Other Charges $39.00
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
0 Account Number XXXX-XXXX-XXXX4225
New Balance $5,682.34
Minimum Payment Due $1,363.56
Payment Due Date January 21, 2009
NEW PHONE, HOME OR II?IIIIIIIIIIII'1'1?1'llll"I
II
I
II'
1
I1
'll Amount
E-MAIL ADDRESS? IIII
I I
I
1
1
11
Enclosed $
PLEASE UPDATE ON TARGET NATIONAL BANK
REVERSE SIDE. P.O. BOX 59317
OFFICE COPY MINNEAPOLIS, MN 55459-0317
IIIIIIIII'IIIIIIIIIII?I'1I?IIIIIIIII'l II II I'llllll"'11I I 'll l'
JOHN LEGGE
515 S WEST ST APT C
CARLISLE, PA 17013-3844
IIIII'llll'1I111111I I11II111I11'lllll'11'1l n ?',II?II1'1'llll'
0003940136356056823490435237172035422571
TARGET.
Account Number: XXXX-XXXX-XXXX-4225
Account Identification Number : 00029388028 Statement Closing Date: December 27, 2008
JOHN LEGGE Page 2 of 2
Finance Charges
Days in Billing Period: 30
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.06846% 24.99% $5,360.03 $110.08 $0.00
Cash 0.06846% 24.99% $231.52 $4.75 $0.00
Total FINANCE CHARGES: $114.83
Actual AN NUAL PERCENTAGE RATE: 24.99%
Your periodic rate(s) and corresponding Annual Percentage Rate(s) for purchases and cash advances may vary
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
29388D28
T/IRGETa
*00000*
Account Number: XXXX-XXXX-XXXX-4225
Account Identification Number: 00029388028 Statement Closing Date: January 27, 2009
JOHN LEGGE Page 1 of 1
Target Visa Credit Card Account Summary
Total Credit Limit $0
Cash Limit $0
Available Credit $0
Portion Available for Cash $0
The Cash Limit is a portion of the Total Credit Limit
Questions? Go online or call us:
Manage My REDcard Target.com/redcard
Target Credit Services 1-888-755-5856
TD D/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Previous Balance $5,682.34
Payments & Credits 0.00
Purchases & Advances 0.00
Other Charges 0.00
FINANCE CHARGES 0.00
New Balance $5,682.34
Amount Past Due $1,363.56
Minimum Payment Due $5,682.34
(includes any Amount Past Due)
Payment Due Date February 21, 2009
Payments & Credits
No payments or credits were received last month.
Finance Charges
Days in Billing Period: 31
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.00000% 0.00% $0.00 $0.00 $0.00
Cash 0.00000% 0.00% $0.00 $0.00 $0.00
Total FINANCE CHARGES: $0.00
Actual ANNUAL PERCENTAGE RATE: 0.00%
There is a minimum FINANCE CHARGE of $1 .00 for any billing period in which a Finance Charge is imposed.
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
TARGETa
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
I?IIII??IIII??IIIN?III?IIlI III
NEW PHONE, HOME OR
E-MAIL ADDRESS?
PLEASE UPDATE ON TARGET NATIONAL BANK
REVERSE SIDE. P.O. BOX 59317
OFFICE COPY MINNEAPOLIS, MN 55459-0317
STATEMENT PAGE NOT PRINTED
JOHN LEGGE
APT 3
53 S HIGH ST
NEVVVILLE, PA 17241-1424
IIIII'1111111I1I1I1111t 1'1111I'III IIIIII'1'll "'11IIIIIIIIII I'
Account Number XXXX-XXXX-XXXX-4225
New Balance $5,682.34
Minimum Payment Due $5,682.34
Payment Due Date February 21, 2009
Amount
Enclosed $
200394056823405,6823490435237172035422571
TARGET
*0000c*
Account Number: XXXX-XXXX-XXXX-4225
Account Identification Number: 00029388028 Statement Closing Date: February 27, 2009
JOHN LEGGE Page 1 of 2
Target Visa Credit Card Account Summary
Total Credit Limit $0 Previous Balance $5,682.34
Cash Limit $0 Payments & Credits 0.00
Available Credit $0 Purchases & Advances 0.00
Portion Available for Cash $0 Other Charges 0.00
The Cash Limit is a portion of the Total Credit Limit FINANCE CHARGES 0.00
Questions? Go online or call us:
Manage My REDcard Target.com/redcard
Target Credit Services 1-888-755-5856
TD DfTDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
New Balance
$5,682.34
Amount Past Due $5,682.34
Minimum Payment Due $5,682.34
(includes any Amount Past Due)
Payment Due Date March 24, 2009
Important Messages
Your Promotional Purchase APR has ended due to late payments, and the Penalty APR will now apply to any remaining
amount of Promotional Balance.
Payments & Credits
No payments or credits were received last month.
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
•
TARGET
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
Account Number XXXX-XXXX-XXXX-4225
New Balance $5,682.34
Minimum Payment Due $5,682.34
Payment Due Date March 24, 2009
NEW PHONE, HOME OR
E-MAIL ADDRESS?
PLEASE UPDATE ON TARGET NATIONAL BANK
REVERSE SIDE. P.O. BOX 59317
OFFICE COPY MINNEAPOLIS, MN 55459-0317
STATEMENT PAGE NOT PRINTED
JOHN LEGGE
APT 3
53 S HIGH ST
NEWVILLE, PA 17241-1424
'111'?I1IIIIIII'IIt1I l11I I111'III11'11IIIIIIII "IIIIII?1111'I'
Amount
Enclosed $
0
2003940568234056823490435237172035422571
o II ???A?IN?
*00000,
Account Number: XXXX-XXXX-XXXX-4225
Account Identification Number: 00029388028 Statement Closing Date: February 27, 2009
JOHN LEGGE Page 2 of 2
Finance Charges
Days in Billing Period: 31
Corresponding Average Periodic Transaction
Daily Annual Daily FINANCE FINANCE
Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE
Purchases 0.00000% 0.00% $0.00 $0.00 $0.00
Cash 0.00000% 0.00% $0.00 $0.00 $0.00
Total FINANCE CHARGES: $0.00
Actual ANNUAL PERCENTAGE RATE: 0.00%
There is a minimum FINANCE CHARGE of $1 .00 for any billing period in which a Finance Charge is imposed.
29388028
TARGET
IIIIWI????NNfiI?
Account Number: XXXX-XXXX XXXX-4225
Account Identification Number: 00029388028 Statement Closing Date: March 27, 2009
JOHN LEGGE Page 1 of 1
Target Visa Credit Card Account Summary
Total Crecit Limit $0
Cash Limi'i $0
Available Credit $0
Portion Available for Cash $0
The Cash Limit is a portion of the Total Credit Limit
Questions? Go online or call us:
Manage My REDcard Target.com/redcard
Target Credit Services 1-888-755-5856
TD D/TDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling will not preserve your billing-error rights
Previous Balance $5,682.34
Payments & Credits 0.00
Purchases & Advances 0.00
Other Charges 0.00
FINANCE CHARGES 0.00
New Balance $5,682.34
Amount Past Due $5,682.34
Minimum Payment Due $5,682.34
(includes any Amount Past Due)
Payment Due Date April 21, 2009
Payments & Credits
No payments or credits were received last month.
Finance Charges
Days in Billing Period: 28
Balance Type
Purchases
Cash
Corresponding
Daily Annual
Periodic Rate Percentage Rate
0.00000% 0.00%
0.00000% 0.00%
Average Periodic
Daily FINANCE
Balance CHARGE
$0.00 $0.00
$0.00 $0.00
Total FINANCE CHARGES
Actual ANNUAL PERCENTAGE RATE
Transaction
FINANCE
CHARGE
$0.00
$0.00
$0.00
0.00%
There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed.
Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
(D.
NEW PHONE, HOME OR
E-MAIL ADDRESS?
PLEASE UPDATE ON
REVERSE SIDE.
OFFICE COPY
STATEMENT PAGE NOT PRINTED
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK
I?I?I??I?Inl??l?l?lif?lull?nnllu??Iil?r?I??JII
TARGET NATIONAL BANK
P.O. BOX 59317
MINNEAPOLIS, MN 55459-0317
JOHN LEGGE
APT 3
53 S HIGH ST
NEVWILLE, PA 17241-1424
l?r?ill?„I??I?I?I??I???Il??rllrl??l??l?l?l??lllr?„allr?rrlll
D
Account Number - XXXX-XXXX-XXXX4225
New Balance $5,682.34
Minimum Payment Due $5,682.34
Payment Due Date April 21, 2009
Amount
Enclosed $
2003940568234056823490435237172035422571
Account Number: XXXX-XXXX-XXXX4225
Account Identification Number: 00029388028 Statement Closing Date: April 27, 2009
JOHN LE:GGE Page 1 of 1
Target Visa Credit Card Account Summary
Total Credit Limit $0
Cash Limit $0
Available Credit $0
Portion Available for Cash $0
The Cash Limit is a portion of the Total Credit Limit
Questions? Go online or call us:
Manage My REDcard Target.com/redcard
Target Credit Services 1-888-755-5856
TD DfrDY 1-800-347-5842
Outside the U.S. 11-612-307-8622 (Call Collect)
Calling wifi not preserve your billing-error rights
Previous Balance $5,682.34
Payments & Credits 0.00
Purchases & Advances 0.00
Other Charges 0.00
FINANCE CHARGES 0.00
New Balance $5,682.34
Amount Past Due $5,682.34
Minimum Payment Due $5,682.34
(includes any Amount Past Due)
Payment Due Date May 22, 2009
Payments & Credits
No payments or credits were received last month.
Finance Charges
Days in Billing Period: 31
Balance Type
Purchases
Cash
Corresponding
Daily Annual
Periodic Rate Percentage Rate
0.00000% 0.00%
0.00000% 0,00%
Average Periodic
Daily FINANCE
Balance CHARGE
$0.00 $0.00
$0.00 $0.00
Total FINANCE CHARGES
Actual ANNUAL PERCENTAGE RATE
Transaction
FINANCE
CHARGE
$0.00
$0.00
$0.00
0.00%
There is a minimum FINANCE CHARGE of $1.00 for any.billing period in which a Finance Charge is imposed.
Target National Bank, en affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
TARGETa
NEW PHONE, HOME OR
E-MAIL ADDRESS?
PLEASE UPDATE ON
REVERSE SIDE.
OFFICE COPY
STATEMENT PAGE NOT PRINTED
INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE To TARGET NATIONAL BANK
1111I??I?IIIlI?IIIIIIlINNNIII?N?I
{?{?{nl?{n{??{?{?{?I?Inllnn?Ilnnllluiln?Ill
TARGET NATIONAL BANK
P.O. BOX 59317
MINNEAPOLIS, MN 55459-0317
JOHN LEGGE
APT 3
53 S HIGH ST
NEWVILLE, PA 17241-1424
Account Number XXXX-XXXX-XXXX4225
New Balance $5,682.34
Minimum Payment Due $5,682.34
Payment Due Date May 22, 2009
Amount
Enclosed $
n
5003940568234056823490777700029388028871
I, GREGG MORRIS, attorney for Plaintiff, TARGET NATIONAL BANK/TARGET
VISA, hereby certify that a true and correct copy of foregoing document was served this date by
ordinary mail upon the following:
Geoffrey M. Biringer, Esq.
401 E. Louther St, Ste 103
Carlisle PA 17013
Date: May 19, 2009
' L. orris, Esquire
to e & Felix, A.P.C.
ain Street
ie, PA 15106
429-7675
PA 65 Certificate of Service P&F File No 09-3868
TKE P",
c u 3 AY "2 Pi y i 1
L'v •'it'?i i
6
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA,
Plaintiff
V.
JOHN LEGGE,
Defendant(s)
You are hereby notified to file a
written r pone within the time
provid y the Rules of Civil Procedure or
a jud a Aay be entered against
NO. 09-1815
PLAINTIFF'S ANSWER
TO DEFENDANT'S
PRELIMINARY OBJECTIONS
TO PLAINTIFF'S AMENDED
COMPLAINT
Filed on behalf of.
Target National Bank, Plaintiff
Counsel of Record for This
Party:
Gregg L. Morris, Esquire
Pa I.D. #69006
Patenaude & Felix, A.P.C.
213 E. Main Street
Esquire Pittsburgh, PA 15106
(412) 429-7675
ANSWER TO PRELIMINARY OBJECTIONS.LEGGE, JOHN.09-3868.CUMBERLAND.ATTY BIRINGER.MIDPENN.wpd
10
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA,
Plaintiff
V.
JOHN LEGGE,
Defendant(s)
ORDER OF COURT
NO. 09-1815
AND NOW, this day of , 2009 upon consideration of
Defendant's Preliminary Objections Plaintiff's Amended Complaint and Plaintiffs Answer
thereto, it is hereby Ordered that the Defendant's Preliminary Objections are hereby DENIED.
By the Court:
J.
a
a
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA,
Plaintiff
V.
JOHN LEGGE,
NO. 09-1815
Defendant(s) )
PLAINTIFF'S ANSWER TO DEFENDANT'S PRELIMINARY OBJECTIONS
PLAINTIFF'S AMENDED COMPLAINT
AND NOW, comes Plaintiff, above named, by and through the undersigned counsel, and
files the following Plaintiffs Answer to Defendant's Preliminary Objections to Plaintiff's
Amended Complaint, and incorporates herein by reference the averments set forth in Plaintiff's
Amended Complaint in Civil Action filed at the above number and term, and further avers as
follows:
1. Admitted.
2. Admitted.
3. Admitted.
4. Admitted.
5. Admitted. By way of further response, Plaintiff also served Request for
Admissions addressed to Defendant, John Legge on Defendant's counsel on May 19, 2009. The
Request includes billing statements from the date September 27, 2007 to May 22, 2009. The
Request for Admissions are incorporated herein by reference. The document speaks for itself.
6. Admitted.
PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P.1028(a)(4)
7. Plaintiff incorporates by reference, Plaintiffs responses to Paragraphs 1 to 6 as
though fully set forth herein by reference.
8. The paragraph states a conclusion of law to which no response is required.
Without waiving the foregoing objection, the averment is denied. Strict proof thereof is
demanded at trial.: By way of further response, The Amended Complaint is set forth in two
counts. Count 1 states a claim for default of an account stated and the credit card agreement and
billing statement are attached to the Amended Complaint in Civil Action. Count II is for breach
of contract consistent with the terms of the credit card agreement. The Amended Complaint in
Civil Action is incorporated herein by reference. The document speaks for itself.
9. Denied as stated. The Amended Complaint in Civil Action is incorporated herein
by reference. The document speaks for itself. By way of further response, Pennsylvania law
does not require signatures to create an enforceable contract. Hartman v. Baker, 766 A.2d 347,
351 (Pa Super. 2000). On the contrary, agreements may be accepted by conduct as in the present
case'. Hartman, supra.; Schreiber v. Olan Mills, 426 Pa. Super. 537, 627 A.2d 806 (1993).
10. The paragraph states a conclusion of law to which no response is required.
Without waiving the foregoing objection, the averment is denied. Strict proof thereof is
demanded at trial. By way of further response, the Amended Complaint in Civil Action is
incorporated herein by reference. The document speaks for itself.
11. The paragraph states a conclusion of law to which no response is required.
Without waiving the foregoing objection, the averment is denied. Strict proof thereof is
demanded at trial. By way of further response, the Amended Complaint in Civil Action is
' Furthermore, this account was opened on September 28, 2006. Applications need only
be retained for 25 months as provided for under12 C.F.R. 202.12.
incorporated herein by reference. The document speaks for itself. The purpose of Pa.R.C.P.
1019(a) is to for the Plaintiff to put the Defendant on notice of what the plaintiff intends to prove
at trial. Weis v. Equibank 460 A.2d 271, 274-275 (Pa.Super.1983); Laursen v. Gen. Hospital of
Monroe County, 393 A.2d 761, 766 (Pa.Super. 1978). Clearly, this is a credit card account that
Defendant used for several years. Defendant has independent knowledge of how he used the
account and what charges he made on the account. Defendant's retention of the statements
without objection or protest clearly manifests his assent to the accuracy of the balance due.
Restatement 2d of Contracts § 282.
WHEREFORE, Plaintiff request that the Court enter the attached order denying
Defendant's Preliminary Objections to Plaintiffs Amended Complaint in Civil Action along
with any additional relief the Court deems appropriate under the circumstances.
t
PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C P 1028(a)(3)
12. Plaintiff incorporates by reference, Plaintiff's responses to Paragraphs 1 to 11 as
though fully set forth herein by reference.
13. The paragraph states a conclusion of law to which no response is required.
Without waiving the foregoing objection, the averment is denied. Strict proof thereof is
demanded at trial. Pennsylvania Courts have consistently held that in order to produce an
account stated, it is not necessary for Plaintiff to itemize all charges and credits. David v.
Veitscher Magnesitwerke Actien Gesellschaft, 35 A.2d 346, at 349 (1944); and Connolly Epstein
Chicco Fosman Engelmyer & Ewing v. Richard G. Fanslow, Kathy Fanslow and Virick Limited,
1995 WL 686045 (E.D.Pa) at *5. Plaintiff s response to Paragraph Number 5 is incorporated
herein by reference. Clearly, Defendant must know what charges he made on his account.
14. Plaintiff incorporates by reference, Plaintiffs responses to Paragraphs 13 as
though fully set forth herein by reference.
WHEREFORE, Plaintiff request that the Court enter the attached order denying
Defendant's Preliminary Objections to Plaintiff's Amended Complaint in Civil Action along
with any additional relief the Court deems appropriate under the circumstances.
PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C P 1028(x)(2)
15. Plaintiff incorporates by reference, Plaintiff's responses to Paragraphs 1 to 14 as
though fully set forth herein by reference.
16. Admitted.
17. Denied. Strict proof thereof is demanded at trial. The Amended Complaint in
Civil Action is incorporated herein by reference. The credit card agreement and billing statement
are attached to the Amended Complaint in Civil Action The document speaks for itself.
18. The paragraph states a conclusion of law to which no response is required.
Without waiving the foregoing objection, Plaintiff incorporates by reference, Plaintiffs
responses to Paragraphs 17 as though fully set forth herein by reference.
19. Denied. Plaintiff incorporates by reference, Plaintiff's responses to Paragraphs 17
as though fully set forth herein by reference.
WHEREFORE, Plaintiff request that the Court enter the attached order denying
Defendant's Preliminary Objections to Plaintiffs Amended Complaint in Civil Action along
with any additional relief the Court deems appropriate under the circumstances.
Respectfully submitted:
, A.P.C
Fegie, )? JN¢6 s, Esquire
Main S I
PA 1 106
12) 429-767
7
1
v
I, GREGG MORRIS, attorney for Plaintiff, TARGET NATIONAL BANK/TARGET
VISA, hereby certify that a true and correct copy of foregoing document was served this date by
ordinary mail upon the following:
Geoffrey M. Biringer, Esq.
401 E. Louther St, Ste 103
Carlisle PA 17013
Date: May 28, 2009
FE13 .Mom , Esquire
de elix, A.P.C.
n Street
Carnegie, PA 15106
(412) 429-7675
PA-65 Certificate of Service P&F File No 09-3868
'T THE
2009 J<>> - I Eli w' ?}
cuiv.• . ? 4 ?f
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA
Plaintiff
NO. 2009-01815
V.
JOHN LEGGE
Defendant(s)
PLAINTIFF'S PRAECIPE FOR
CONSENT TO ENTRY OF
JUDGMENT
Filed on behalf of:
TARGET NATIONAL
BANK/TARGET VISA
Counsel of Record for This Party:
Gregg L. Morris, Esquire
Pa I.D. #69006
Patenaude & Felix, A.P.C.
213 E. Main Street
Carnegie, PA 15106
(412) 429-7675
PA_179 Consent Judg No Terms P&F File No. 09-3868
06/26/2009 11:13 FAX 4124297679
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA
Plaintiff
V.
JOHN LEGGE
Defendant(s)
NO. 2009-01815
1a002/002
The undersigned Defendant, having been served with a Complaint in Civil Action in the matter
captioned above, hereby admits the averments contained in said Complaint, waives any defect of service,
waives any applicable time period for the filing of a responsive pleading, waives service of a Ten Day
Notice or Notice of Default, and hereby consents to the entry of judgment against bim/her in the amount
of $5,682.34 including pre-judgment interest at the contract rate, phis the costs of suit. Defendant hereby
waives Notice of Entry of Judgment,
Date: - 24 -o x
John gge
ERARC'IPE TO E R JLD 111101
To the Prothonotary:
Please enter judgment against the Defendant(s) in the amount of $5,682.34, plus interest
and costs of suit.
Respectfully submitted:
&,F#X, A.P.C.
Date: June 26, 2009
Esquire
Ckmegie, PA 15106
(412),129-7675
M_179 Consent JOS No Terms P&P File No. 09-3866
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA
Plaintiff
V.
JOHN LEGGE
Defendant(s)
NO. 2009-01815
PLAINTIFF'S AFFIDAVIT OF NON-MILITARY SERVICE AND MAILING OF
NOTICE PURSUANT TO PA.R.C.P. 1037(b)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
SS.
Before me, the undersigned authority, a Notary Public in and for said County and State,
personally appeared GREGG MORRIS, attorney for and authorized representative of Plaintiff,
who being duly sworn according to law, deposes and states that the defendant(s), JOHN
LEGGE, is not in the military service of the United States of America to the best of his
knowledge, information and belief.
Respectfully sul?i*tted:
Date: July 06, 2009
S o to and subsc ibed before me this
ay of 20
Notary Public
Patenaude & eli , A.P.C.
Greg . M rris, Esquire
213 M ' Street
C i , PA 15106
(4/12) 429-7675
NOTARIAL SEAL
HEATHER L GOGAL
Notary Public
CARNEGIE BOROUGH, ALLEGHENY COUNTY
My Commission Expires Oct 19, 2011
PA-120 Aff of Non Mil P&F File No. 09-3868
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
TARGET NATIONAL BANK/TARGET VISA
Plaintiff
NO. 2009-01815
V.
JOHN LEGGE
Defendant(s)
NOTICE OF ORDER, DECREE
OR JUDGMENT
Filed on behalf of:
TARGET NATIONAL
BANK/TARGET VISA
Counsel of Record for This Party:
Gregg L. Morris, Esquire
Pa I.D. #69006
Patenaude & Felix, A.P.C.
213 E. Main Street
Carnegie, PA 15106
(412) 429-7675
PA_132 Ntc Jg Consent P&F File No. 09-3868
`rN
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