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HomeMy WebLinkAbout04-2250IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., Plaintiff VS. ANDY SHAW, Defendant NO. 0'4 - 2£0 CIVIL ACTION - LAW NOTICE 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 is served, by entering a written appearance, personally of by attorney, and filing in waiting with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint, or document, or for any other claim or relief requested by he Plaintiff. You may lose money or property or other right important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH TO FIND OUT WHERE YOU CAN GET LEGAL HELP. NOTICIA Le hun demandado a used en la corte. Si used quaere defensas de esas demandas expuestas en las paginas, siguientes, used tiene viente (20) dias de plazo al partir de la recta de lademanda y la notifiation. Used debe presentar una apariencia escrita o en persona o por abogado y archivar en la corte en forma escrita sus defensas o sus objeciones a last demandas en contra de su persona. Sea avisado que si used no se defienda, la corte tomara medidas y psedido entrar una orden contra used sin previo aviso o notificacion y por cualquier queja o alivio que es pedido en la peticion de demanda. Used puede perder dinero o sus propiedades o otros derechos importantes para used. LLEVE ESTA DEMANDA A UN ABODOAGO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFFICIENTE DE PAGAR TAL SERVICIO VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABA JO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSITANCIA LEGAL. Court Administrator Cumberland County Court House I Court House Square, 4~ Floor Carlisle, Pennsylvania 17013 (717) 240-6200 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., Plaintiff VS. ANDY SHAW, Defendants CIVIL ACTION - LAW COMPLAINT AND NOW, comes the Plaintiff, MBNA AMERICA BANK, N.A., by and through its attorneys, Amy F. Wolfson, Esquire, and the law firm of Wolpoff& Abramson, LLP, and files the within Complaint and in support avers as follows: 1. Plaintiff, MBNA AMERICA BANK, N.A., is a Delaware corporation doing business within the Commonwealth of Pennsylvania, and the other states of the United States, with its principal place of business situated at P.O. Box 15718, Wilmington, Delaware 19850. 2. Defendant, ANDY SHAW, is an adult individual with a last known address of 1202 PHEASANT DR S, CUMBERLAND County, CARLISLE PA 17013-1227. 3. It is averred that Defendant was issued an open end credit card account. A true and correct copy of the Credit Card Agreement Additional Terms and Conditions inclusive of an Amendment is attached hereto, incorporated herein and collectively marked as Exhibit "A". 4. At all relevant times material hereto, Defendant has been a regular user of said charge card for the purchase of products, goods and/or for obtaining services from Plaintiff or Plaintiffs licensees. Defendant has been provided with copies of the Statements of Account accurately showing all debits and credits for transactions on the aforementioned credit card account. 6. Defendant did not object to the above mentioned Statements of Account submitted by Plaintiff to Defendant. 7. Pursuant to the Credit Card Agreement, which Defendant received when the aforementioned credit was issued, the parties agreed that this matter be referred to Arbitration in the event of any claim and/or dispute if the account is referred for collection. See Exhibit "A" as previously identified and incorporated herein. 8. That this matter was referred to Arbitration for determination and disposition, whereby an Arbitration Award was entered against the Defendant and in favor of the Plaintiff for the outstanding balance due. A true and correct copy of the Arbitration Award is attached hereto, incorporated herein and marked as Exhibit "B". 9. That Defendant has made sporadic and irregular payments which have been applied to the outstanding balance of this account. 10. As of the date of the within Complaint, the remaining balance due, owing and unpaid on Defendant's credit card account, as a result of charges made by said Defendant and/or any authorized users is the sum of $2,436.21. 11. Despite reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage mid detriment of the Plaintiff. 12. Plaintiffhas retained the services of the law firm of Wolpoff & Abramson, LLP in the collection of the amount due from Defendant. 13. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 14. The amount in controversy is within the jurisdictional amount requiring 2 compulsory arbitration. WHEREFORE, Plaintiff, MBNA AMERICA BANK, N.A., respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant, ANDY SHAW, in the amount of $2,436.21, plus costs of this action and such other relief as the Court deems proper and just. Respectfully submitted, WOLPOFF & ABRAMSON, LLP 267 East Market Street York, PA 17403 (717) 846-1252 ID No. 87062 Attorney for Plaintiff VERIFICATION Amy F. Wolfson, Esquire, hereby states that she is the attorney for the Plaintiff, MBNA AMERICA BANK, N.A., who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, she is authorized to take this verification on behalf of said Plaintiffin the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of her knowledge, information, and belief, based upon information provided by the Plaintiff. The tmdersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. WOLPOFF & ABRAMSON, LLP 267 East Market Street York, PA 17403 (717) 846-1252 1D No. 87062 Attorney for Plaintiff EXHIBIT "A" Credit card,~vgr, eem.e,,n~'; · ,.~clitioncll.~Te,.r,:~n,.;s,' .and.':.C..,~nd~O~. ' . . , ~:~,i:-,,. · ,.' .~.. ,. .{ ¥~ur Co~t~ct With Us Your CredJ: Card Agreement wir. h u~ ~n~ o~ ~ Your p~ ~ ~po~ ~ ~; ~ M~N~ ~e a~ ~m~ topm~d~ ~ ~ the Bn~ ~i~. ~nd wbJ~ ~o~at~n about ~u ~ m OUt ~bi~ ~o do thl~ ~e ~Ity t~ ~e of kee~ing p~o~l and a~nt in~fian e~te. · a offer ~u ~he w]d{st m~e of p~u~ and M~NA ~nd o~sl~ of MaNA wi~h ~er ~m~n~. This allows US to offer gou pmdu~ and se~ ~y ~n~re~ ~0 and be~ meet ~ur'ne~s, they am available d~7 ~m MBNA or through our u~e~ our info~a~n ~a~s, ~¢ i~[O~tlo~ we ~ll~, what tntomatmn we ~am, ~ the ~n~ y~ ~mi,~ w~n ~ sh~ In.etlon a~ ~Iia~l~n ~veI ~, ln~, MBNA Hallmark In{ormaflon ~em{~s, Inc,. MeNA ~a~{~ ~tems. mc. and M~NA Insurance ~en~ In~. "~B~A"). ~r financial pmd~ and se~c~ b~ the la~ of the unlte~ ~tate~o[ Amefim, ThLs netice explalns MBNA's Inaction ~{la~io~ and sharing ~ra~i~ and le~ you ~oose whe~er or not MBNA ~ay sham certain t~formafion about ~u, wkhl~ M~NA or our{de o~ MSNA ~th ~r oaf 5ecu~l~ ~: MBNA ~d~nds the ~upoRan~ of p~te~ a~ s~Hng In~a~on and Is r~l~ ro the ~Dle o~ M~NA who ~u~ It mi. el~lc, and ~{ ~ 1~ comply When MB NA sha~ tntotmaflon about y~ with ~mpa~l~ o~[de o~ ~ ~ r~uim them to impost saleguaffis. ~ It only ~r a ~l~ pu~ose, co~tai~in~ [hes~ mquir~e~s and obli[a:i~ that o~r bostnes~ and to ~naistentiy deliver ~e [op~l~ty cOsmetic:ion w]~ u~ indudtn~ ~to~h ~e mail by t~lephone, ~r over :he Intemet: ctedlt, or o~r r~la~lonshi~; and Joy ~u and ~ay ~ave y~ both Um~ and mo~. To ~.we share idanti[lca~ion tnfo~act6~ i~ch ~ name Is~ch es p~rehases and payment), credit i~ormat[o~ [such as c~ ~pons and a~plicat~onsl, ~nd ~her [n~o~at[o~, The de,sion to pur~ and other [n~mati~ ~n ~ ~wLce p~ovi~em (such as ~n~, I~n bro~. a~u~t nonfi~ndal ~mpan{~ [sU~ ~ mtalle~, dl~ ~r- pmvide~, ~nula~rem. se~ ~m~ni~, · Be~t~, drut~e LIne~, ~t re~taJ ~encies, hotels, &lrllnes, ~ubils~. and o~n)~tTo~ endo~n~ ~BH~ ~n~s~ o~an~tions). ~ubje~ ~0 ap~l~b~e ~w. ~ m~y sba~ all ~e info~ation ~ <0{Im~ wlt~ thee ~mpanies O~- Additionally. ~e ~y share alt the info,etlon we ~[~ wl~h ~mpaniea ~t ~r~rm ~atketl~ or other ~ which ~e ~a ]o~{ marketing ~r~mcn~. We are also permi~[~ by I~ W sham tn/o~ti~ you ~h other companies in ¢mrtala ei~umstan~. For i~tance, we may s~re ail ol the info~e~on ~oan or ac~unt. ~[th ~mpanles tha~ endorse o~ pro~u~ and ~es through aflL~iW r~latow requlrem~m, and wi~ ~nsumer a~end~. ){you tell um~ottO share tnfo~a~oa with com~ni~ ou~ida Of ~8~ that ~h to O~z ~eir pr~uct~ and ~e~ces, gs des~d ~b~. under,and tha~ we wffi ~ntinue to ~'~re ~po~t I~fo~ A~t Yo~ ~ol~= We're cholas mim~ ~ privet. You ~ tell us n~ C~ sha~ ~ e[lglbtllt~ inform~ion w)t~n MBN~ and ~u tell us ~ ~ sha~ I~o~tlon with ~m~n~ o~ide o~ MB~ that ~h co off~ ~u th~ ~u~ e~ ~ des~ibe~ abeve. If you ~Ish to opt o~ ~f iu{o~mtlon shafln~, ~l~se ~1{ ~ll~ ] ~7~ 1-12~. We ~il{ msk~u~ v~you~ Id~ a~d the you1 account, membership, or m~emnce numbe~ ~ur ~al ~rl~y number or ~er l~nti~l~tlon numar for ~ a~oun~ ~aHable w~en y~ MBNA eppll~ ope o~ at ~e e~nt 1~, not a~unt ho~ ~ a~or~ user], ~ will 1i~ ~e chore a~unt ~ havl~ ~ ~ MBNA ~1 continue to adh~e'co lis dlmclo~d ~r{~ pm~}~ for an a~unt ~n if It becom~ in~]~ or is An ope ~C ~m ]n~rmati~ shari~ on au K~unt ~ d~ ~e, either ~in MBNA an~or compant~ ou~)de ~ M3NA, ~mlns effete un{~ ~d in wd~n¢. Fede~l r~ulati~ns ~uim ua to pr~de ~his n~ice on an annual b~is, whether ~ not an acco.hr has pr~lous~ opt~ out ~m el~er of in~'on~,e~i~ shartn~h P~easa ~me(~ when you ~n~ not re,~k~ in ~ritine) do~ notices ~mm ~9~ about ~e p~va~, se~ ri~. end protection ot l~fo~a:ion, r~gar~in8 M~s pr~ pm~tlces con~]~ the priva~ notice, please go to te~ons under state I~ws. We ma~ amend :hb p~vaw as r~uired by law. S~n Your Cora Credit Re~arti~ AgeT~¢ies Pemo~ Using Your A~ Ho~ You May Stop Y~ ~ ~ue~ a stop ~ YoK ~aff. Not Pestda~ Your Pr~m~e ~ Wfien Yo~r Pa~m~t Wt~,Be ~ Yoar ~m7 ~e ~el~ uo to [1~ da~. How We At~ca~ Yoer Pa~ment~ we w~l a~t~tc your ~en~ In t~e manner Promee ~ ea~ ~ ~ AIl ~. a~ ~r ~edit d~ ou~ndl~g u~der or your to~l out~ndl~ ~[an~ and, unL~ pz~lbited thee ~arked ~i~"~d In ~11' ~ ~Irh any ath~ w~l ~ ~nve~d ~ ~sa ~n~l or M~rd I~na~onaL de~ndl~l on whl~ ca~ ~ u~, Into Refusal to Honor Yoi4r io~ Ma~ ~o~ Your A~co~ . You ~ ~om you~ ~ou~ ~ MnV Nne,d Tfi~ U~utAu~ Use or,our Cnrd Ple~ ~ u~ ~mq~a~e~ o~ t~ I~s. thoR, ~r Your ~r~ :Se~'era~Ig :Ar61~t~n and m~ner a~ ~me~m~ ~ulr~ lf~u did ~ ~atm~ Jn ~n~, T~, or ¢~ and ~ ~r ',any p~r A~em~t, shall be msol~ ~ hiness{ ~eleph~n~ I-aOOa~2$~t, Ifthe~is ~ab~ er unw~l~ ~tive ~w ~ the ~tent ~na~nt ~ ~e F~ ~2 © 3001 ~1~I'~ A'm~rtca'Ban~. N~ EXHIBIT "B" MBNA America Bank, N.A. c/o Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 702 King Farm Blvd, Two Irvington Centre Rockville, MD 20850-5775 CLAIMANT(s), Andy Shaw 1202 Pheasant Dr S CARLISLE, PA 170131227 111 NATIONAL ARBITRATION FORUM ® AWARD MBNA America Bank, N.A. v Andy Shaw File Number: FA0308000185507 Claimant File Number: 4264287020161267 RESPONDENT(s). The undersigned Arbitrator in this case FINDS: 1. That no known conflict of interest exists. 2. That on or before 08/14/2003 the Parties entered into an agreement providing that this matter shall be resolved through binding arbitration in accordance with the Forum Code of Procedure. 3. That the Claimant has filed a claim with the Forum and served it on the Respondent in accordance with Rule 6. 4. That the matter has proceeded in accord with the applicable Forum Code of Procedure. 5. The Parties have had the opportunity to present all evidence and information to the Arbitrator. 6. That the Arbitrator has reviewed all evidence and information submitted in this case. 7. That the information and evidence submitted supports the issuance of an Award as stated. Therefore, the Arbitrator ISSUES: An Award in favor of the Claimant, for a total mount of $2,436.21. Entered in the State of Pennsylvania Arbitrator Date: 11/17/2003 ACKNOWLEDGEMENT AND CERTIFICATE OF SERVICE This Award was duly entered and the Forum hereby certifies that a copy of this Award was sent by first class mail postage prepaid to the parties at the above referenced addresses on this date. Honorabl~ Harold Kalina Director of Arbitration 11/17/2003 SHERIFF' S RETURN - CASE NO: 2004-02250 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS SHAW ANDY REGULAR BRIAiq BAHRICK , Cumberland County, Pennsylvania, says, the within COMPLAINT & NOTICE SHAW ANDY DEFENDANT , at 2053:00 HOURS, at 1202 PHEASANT DRIVE SOUTH CARLISLE, PA 17013 ANDY SHAW a true and attested copy of COMPLAINT & NOTICE Sheriff or Deputy Sheriff of who being duly sworn according to law, was served upon the on the 27th day of May , 2004 by handing to together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 3.45 Affidavit .00 Surcharge 10.00 .00 31.45 Sworn and Subscribed to before me this /~ day of ~ ~26v3~ A.D. ~rf~thonot ary So Answers: R. Thomas Kline W006L/p001/F~00&4AB~SON By: Deputy Sheriff 21 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNAAMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff VS, ANDY SHAW 1202 PHEASANT DR S CARLISLE PA 17013-1227 Defendant (s) No. 042250 PRAECIPE TO SETTLE AND SATISPY PLEASE MARK THE ABOVE-CAPTIONED ACTION AS SETTLED, SATISFIED AND DISCONTINUED. Respectfully submitted, By: #20617 Bruce H. Cherkis #18837 Philip C. Warholic #86341 WOLPOFF & ABRANSON, L.L.P. Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846-1252 Counsel for Plaintiff pAPR4/PA176A W&A FILE NO. 110076481