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HomeMy WebLinkAbout09-4786IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Unifund Corporation as assignee of CITIBANK SOUTH DAKOTA NA CIVIL ACTION 10625 Techwoods Circle Cincinnati, OH 45242 Plaintiff VS. NO: OQ -`1`18(0 C?v??T ''' ANNIE A KROL KNIGHT 71 SHERWOOD CIR ENOLA PA 17025 Defendant : NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice to Defend are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Unifund Corporation as assignee of CITIBANK SOUTH DAKOTA NA CIVIL ACTION 10625 Techwoods Circle Cincinnati, OH 45242 Plaintiff VS. NO: o qr - `f -7 SG ,c ANNIE A KROL KNIGHT 71 SHERWOOD CIR ENOLA PA 17025 Defendant COMPLAINT Plaintiff, Unifund Corporation, by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, Unifund Corporation as assignee of April 9, 2007, (hereinafter "Plaintiff") is a New York general partnership with a principal place of business located at 10625 Techwoods Circle, Cincinnati, OH 45242. 2. The Defendant ANNIE A KROL KNIGHT (hereinafter "Defendant") is an adult individual residing at 71 SHERWOOD CIR ENOLA PA 17025. 3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase and collection. 4. Defendant applied for and received a credit card issued by CITIBANK SOUTH DAKOTA NA with the account number 5491130007007305. 5. The within account was sold by CITIBANK SOUTH DAKOTA NA to Unifund for valuable consideration and all rights under said accounts were assigned to Unifund. (See, Bill of Sale, Affidavit and Assignment attached hereto as Exhibit "A.") 6. Use of the CITIBANK SOUTH DAKOTA NA credit card was subject to the terms of the Cardmember Agreement, a copy of which was sent to the Defendant along with the credit card. (See, Cardmember Agreement attached hereto as Exhibit "B.") 7. Defendant used the CITIBANK SOUTH DAKOTA NA credit card account number5491130007007305, for purchases, cash advances and/or balance transfers. 8. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card. (See, Card Statements attached hereto as Exhibit "C.") 9. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 10. The account became delinquent on April 9, 2007. 11. The amount due and owing was $26,557.40 at the time it was received by Plaintiff. 12. Pursuant to the account agreement, any unpaid balance accrues interest at the rate of 27.34. 13. The total amount due and owing the Plaintiff including interest, is $39,648.36. 14. Pursuant to the terms of the Agreement, Defendant is liable to Plaintiff for court costs and reasonable attorney's fees. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $39,648.36 plus costs of suit and any other relief as the Court deems just and appropriate. Respectfully submitted, i( Kdwin A. Abrahams,96,9 Assoc. squire Heather K. Wsquire Michael F. Rag.:86285/207805 Attorney D. 1729 Pittston Scranton, PA 18505 mratchford@eaa-law.com hwoodruff@eaa-law.com VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff,Unifund Corporation as assignee of CITIBANK SOUTH DAKOTA NA, am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. Michael F. Rai 1300 PAYMENT ACCOUNT NUMBER BALANCE AS OF PAYMENT DUE 5!1412009 DATE MINIMUM PAYMENT ENCLOSED 5491130007007305 38,952.12 PAST DUE 38,952.12 $ Make Checks Payable To Unifund CCR Partners UNIFUND CCR PARTNERS STATEMENT ANNIE KROL KNIGHT 71 SHERWOOD CIR ENOLA PA 17025 MESSAGE FROM UNIFUND YOUR ACCOUNT IS PAST DUE $38,952.12. THE PAST DUE AMOUNT IS INCLUDED IN THE MINIMUM PAYMENT. PLEASE REMIT IMMEDIATELY. IF YOU HAVE ALREADY SENT A PAYMENT FOR THE ABOVE AMOUNT, THANK YOU. TRANSACTIONS: Date Transaction Balance Due Payments New Balance 5/14/2009 This account was issued under 38,952.12 38,952.12 0 38,952.12 the name of CITIBANK SOUTH DAKOTA NA and acquired from CITIBANK SOUTH DAKOTA NA. PROMPT CREDITING OF PAYMENTS. TO RECEIVE CREDIT FOR PAYMENTS AS OF THE DATE OF RECEIPT, WE MUST RECEIVE YOUR CHECK OR MONEY ORDER AT: UNIFUND CCR PARTNERS 10625 TECHWOODS CIRCLE CINCINNATI, OH 45242 PAYMENTS RECEIVED AT THE ABOVE ADDRESS IN THE MANNER SPECIFIED AFTER THAT TIME WILL BE CREDITED TO YOUR ACCOUNT AS OF OUR NEXT BUSINESS DAY. THE CREDITING TO YOUR ACCOUNT OF PAYMENTS RECEIVED AT ANY LOCATION OTHER THAN THE ABOVE ADDRESS MAY BE DELAYED UP TO 5 DAYS OF RECEIPT. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. FEDERAL LAW REQUIRES US TO INFORM YOU THAT THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. BILL OF SALE. ASSIGNMENT AND ASSUMPTION AGREEMENT THIS BILL OF SALE, ASSIGNMENT AND ASSUMPTION AGREEMENT is dated as of February 23, 2009, between Citibank (South Dakota), N.A., a national banking association organized under the laws of the United States, located at 701 East 60th Street North, Sioux Falls, SD 57117 (the "Bank") and Unifund Portfolio A, LLC, a limited liability company ("Buyer"), organized under the laws of the State of Ohio, with its headquarters/principal place of business at 10625 Techwoods Circle, Cincinnati, OH 45242. For value received and subject to the terms and conditions of the Purchase and Sale Agreement dated February 19, 2009, between Buyer and the Bank (the "Agreement"), the Bank does hereby transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's successors and assigns, all of the Bank's right, title and interest in and to the Accounts described in Section 1.2 of the Agreement. This Bill of Sale, Assignment and Assumption Agreement is executed without recourse and without representations or warranties including, without limitation, warranties as to collectibility. Citibank (South Dakota), N.A. i By: (S ature) iWTt CHRISTENSEN,4lp Name: GELD #oooola m Chi MC 1162 (605) 331-183.5 Title: Vice President Unifund Portfolio A, L By: , -?'- ignature) Name: Henry N. Thoman ice President Title: 4 }t1 7 71 37 : % e I 'T 7 l' 1 CITIBANK CARD AGREEMENT This Agreement and tlhe foicer containing he card a your Citibank .ard Agreement, The fo!Ger contains : ? cotta it account information. including, '."ie annual pemerta; ate 3na i c 'mc nt of aw,' rnem rsnjo fee Please read and keep the `cider and this Acre ent for year records. To simpliliv the rest of this Agreement `or yoU, the `ollcwing definitions will apply. The vi rds you, you!. and yours mean the person responsible for this Agreement, to whom we direct the billing statement. Ti;e word card means one or more cards which we have issued Mh your account number. The words we, us, and our mean Citibank (South Dakota), N.A. The words Citibank checks mean one cr more checks that'v/e may provide to access your Citibank card account. This Agreement is binding on you unless you cancel your account within 3 lays after receiving t?,., card and you have not used or authorized use of your account. Using Your Account and Your Credit Line: The card must be signed to be used. Your initial credit line appears on the folder containing the card. A portion of your credit line, called the cash advance limit, is available for cash advances. At our discretion and at anv time, we may change your credit line or cash advance limit. We will notify you if we do, either by mail or through a billing statement sent either before or after the charge takes erect. You may request a change to your credit line or cash advance limit by contacting Customer Service by telephone or mail. The full amount of your credit line Is available to buy or lease goods or services wherever the card is honored. Your cash advance limit is available for cash through anv bank or automated teller machine that accepts the card or by using Citibank checks. The total amount charged on your account, including purchases, balance transfers, cash advances, finance charges fees, or other charges, must always remain below your credit line. However, if that total amount exceeds your credit line you must still pay us. Additional Cards: You may request additional cards on your account for yourself or others and you may permit another person to have access to the card or account number. However, if you do, you must pay us for ail charges made by those persons, including charges for which you may not have intended to be responsible. You must notr"y us to revoke permission for any person you previously authorized to use your account. If you tell us to revoke another person's use of your account, we may close the account and issue a new card er cards with a different account number. You are responsible for the use of each card issued on your account according to the terms of this Agreement. .? Membership Fee: The folder containing the card indicates whether your account is subject to a membership fee. if it is, the fee is added to the purchase balance and is non- refundable unless you notif?j us to cancel your account within 30 days from the mailing date of the billing statement on which the fee is billed. t; ?s k fi n v) ?•- -'-? r_c? -_ _ _ _ m 73- -D 37 V _ G J? rt? me ? -=D 1. r cn^ - d ul n Z8 < (n cD _ co -1 ^ m C u n 3O cx C c N 1 ^OL ?_ r xcn c n = ID ll} me c?c o w N _ cD C = _ _) =_` -+ _=co - _ 6t1 75, ri EL - IT1 rr` n w p •.? d cID co w -O s ;F C-2 CD Z-7 E- J. :7 G •--• = U. 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O - O O A> co Cr rS ., ^ a co ^ '- _ ? j Vl = ^ v: ?' -• Groi ° L7 a =: Dl 0•,? -_ `< a cn cC n - - Vi y ro ?.^ o a -' N CD ^' C c'D - O C:1 cD `' ' _ `. `< c7 - O ° y < m 1 y C O; y c/) = N CJ C G CD CD CD (j cn O c • G :.1 y .. = C? o _ c) rj = c_ 7 co m cn -G. .... !n - C .;) n CaD " .m L =• m o_ cf? 2 v o ro cD r' - N o c c co t.I1 C m ._ ti ?D j . p ? '. <? ° V = :J f^D c 0 ?• n < a a G O o M ? y ' p N = ID _ c Lo C C p _ '? v a? n .C c ? - O a U, CD f CO ^ ' N ; C ^- <c ^C.,' __ ti n C_ r •. O C _ O O ,. Q _? CD a a O .` y _ Ca O cp, r CA V7 CD C - 4 CD C'1 L G J .C O p y cD -" cD p cj O CD c r? -- O C O IV) In ro Citibank Checks: C,tibann i chc,:(s may be use;. t t`o purchasp gGGr:" s ac -d ser/:ce_s cr ,btam cash e up in the amount of your available cash acv anc limit ;mess that amount ,viii cause the balance to exceed your credit. lane. We 'M0 Crest CI ihar CI PclP 1 a -ttk cash adva±icie and charge 'rem agaln,t your cash b? rrC + mitt. [3ch 1 1, 2{': be Vn the form we have I1SU?d and nUSt be CcCr(+ (! 1i a Ct1eCk must instructions'je''i4efGU.',iiiJanXClleC`!Srlay US!_. . i r lei S£ name !s pnntc` 0f them. rliltal?k check m ^Cl Ct c n pav i l r I oU"t o+vled t0 (IS under this. or any lather Citibank Ca,d A9 eeT1£ '.t Vri. 'N, l ;t .cf il;! any Citibank. ch£cis, ncr'vAll we return; paic C ", nk ;n£,xs. iti Returned Citibank Check Fee ;? e •„ ?I!I (i a a SGC e t0 th£ cash ad`/once tai-rice '.t ,,%r r Cline `n r d ? - . C ibank chef:.k. 'yle I' deciiiie to +0ncf a C Nrinf hec-: i ` r +r vVF th£ - r-, i' :li tip"wt:. Ji .I or credit line, if you default, if you did not conopiy l,i h Our r u.. cns regaroing the check, if ',iGUr account has been closed. or if tr card nas £Xpircd. Stop Payment Fee: ; We will add a $2`? fee to the cash advance balance tihen payment of a Citibank check is stopped at your request. You may stop payment on a Citibank check by notifying us in writing at P.O. Box 6500. Sioux Falls, South Dakota 571 17 or by i; calling us at the telephone number listed on the billing statement. If you cal, you must confirm the Cail in writing within 14 days. A written stop payment order will remain in effect for six months unless renewed in writing. Once a charge is made through the use of tie card or account number we cannot 'stop payment" on the charge. if there Is a dispute involving a charge on c :r ccco(:ht, please refer to the section entitled 'Fdt'at To Dc If There's An Error In 'lour Bill`. Lost or Stolen Cards, Account Plumbers or Citibank Checks: If any card. account number or Citibank check is lost or stolen or if you think y 't s,meo; a used or ?iav use them without your permission, notify us at once by ` cling the telephone number shown on the billing statement or the number A. titcaArn toll -free or local Directors Assistance. We may require you to prG'vId£ cLrain iii:crmation in aritiny to help us find out what happened. Dona use the card or the Citibank checks after we've been notified. eve I if they are found or returned. You may be liable for unauthorized use of the. card, but not for more than S50. You won't be liable for unauthorized purchases or cash advances made after we've been notified of the loss Or the theft', however, you must identify for us the charges on the billing statement that were not made by you, or someone authorized by you, and from which you received no benefit. Default: You default under this Agreement if you fail to pay the minimum payment .W listed on each billing statement when due, fail to make a payment to any other creditor when due, file for bankruptcy, exceed your credit line without permission. pay by a check or similar instrument that is not honored or that. we must return because it cannot be processed: pay by automatic debit that f . is returned unpaid, or default on any other Citibank Card Agreement. 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Cl) o m < -• 'D CCD B w C '' O O wC 0 `G ° G cm O ? - cn C 0 p r' = CO to = a CD Q) ? d. o• ` co 0 t7'L ` I!i $'M.SO pp A-MY CO' 41SLO4 e o.81y7 Sheriffs Office of Cumberland County R Thomas Kline Sheriff Ronny R Anderson Chief Deputy Jody S Smith Civil Process Sergeant Edward L Schorpp Solicitor ?41??ttr of ?u?nbrr{??? QFFiCE OF T-?E S?-ERIFF Al FQ--0 i( E OF THE pp,-')- Hlt-' 4t I*Y 2009 JUL 22 PM 2: 28 CUtt? `'.U UNTY T'ENNSYa ANIA Unifund Corporation vs. Annie A. Krol Knight Case Number 2009-4786 SHERIFF'S RETURN OF SERVICE 07/21/2009 05:31 PM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on July 21, 2009 at 1731 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Annie A. Krol Knight, by making known unto herself personally, defendant at 71 Sherwood Circle Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $41.50 SO ANSWERS, fooA July 22, 2009 R THOMAS KLINE, SHERIFF ?Lll" eput Sheriff Complaint in Civil Action M J (?? S Docket No. 094786 Unifund Corporation as assignee of CITIBANK SOUTH DAKOTA NA 10625 Techwood Circle Cincinnati, OH 45242 vs Annie A. Krol-knight 71 Sherwood Circle Enola, PA 17025 1. Plaintiff, Unifund Corporation as assignee of April 9, 2007 (hereinafter "Plaintiff') is a New York general partnership with a principal place of business located at 10625 Techwoods Circle, Cincinnati, OH 45242 (through its attorneys. Edwin A. Abrahamsen & Associates, P.C.) True 2. The Defendant Annie A. Krol-knight (hereinafter "Defendant") is an adult individual residing at 71 Sherwood Circle, Enola, PA 17025 True 3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase and collection. Can only assume true 4. Defendant applied for and received a credit card issued by CITIBANK SOUTH DAKOTA NA with the account number 5491-1300-0700-7305. Denied Card initially applied for was with AT & T MasterCard 2 The within account was sold by CITIBANK SOUTH DAKOTA NA to Unifund for valuable consideration and all rights under said accounts were assigned to Unifund Can only assume this is true This does raise some doubt 6. Use of the CITIBANK SOUTH DAKOTA NA credit card was subject to the terms of the Cardmember Agreement, a copy of which was sent to the defendant along with the credit card. Denied Original card was under contract with AT & T 7. Defendant used the CITIBANK SOUTH DAKOTA NA credit card account number 5491-1300-0070-7305, for purchases, cash advances and/or balance transfers. Denied Again, original contract was with AT & T 8. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card. Denied Have not received any statements in a long period of time 9. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. True in part, false in par Have made payments for quite some time but then disabilities became a factor and income was reduced 10. The account became delinquent on April 9, 2007. Denied Records indicated that payments may have been paid later than that 11. The amount due and owing was $ 26,557.40 at the time it was received by Plaintiff. Denied My records reflect a balance was much lower that stated amount by approximately 3,800.00 12. Pursuant to the account agreement, any unpaid balance accrues interest at the rate of 27.34 Denied Interest rate seems highly exaggerated 13. The total amount due and owing the Plaintiff including interest is $ 39,648.36. Denied Since account switched hands a few times am not sure of accounting accuracy This is also in another case as marital debt 14. Pursuant to the terms of the Agreement, Defendant is liable to the Plaintiff for court costs and reasonable attorney's fees. Denied Have not been contacted by phone or in the form of statements Cannot believe a creditor would be that insensitive to harass a disabled person with limited means of income or force her to chose between shelter, food, and medications vs a credit card balance (my disabilities were not in any way intentional on my part as I was the innocent victim of WA's) 4 Verification The undersigned, Annie A. Krol-knight, hereby states that she is the dependant in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of her knowledge, information and belief. There is a debt owed but not that large of a sum Date: August 4, 2009 ?Ok Annie A. Krol-knight 71 Sherwood Circle Enola, PA 17025 If, /). Ail