HomeMy WebLinkAbout04-2280
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
RETAILERS NATIONAL BANK! TARGET FINANCIAL) I '---t---
) NO, 04 - .;u,PC) G:U~ i.L lEl2.r
Plaintiff )
)
v. )
)
LAWRENCE E. SUMMERS, )
Derendant )
COMPLAINT IN CIVIL
ACTION
Filed on behalf of:
Retailers National Bank!
Target Financial,
Plaintiff
Counsel of Record for This
Party:
Gregg L. Morris, Esquire
Pa LD. #69006
Patenaude & Felix, A.P.c.
213 East Main Street
Carnegie, P A 15106
(412) 429-7675
SUMMERS, LAWRENCE 20550.3l96.wpd
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
RETAILERS NATIONAL BANK! TARGET FINANCIAL)
) NO.
Plaintiff )
v. )
)
LAWRENCE E, SUMMERS, )
)
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 are served, by entering a written appearance personally or by 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 ajudgment maybe 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 ALA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17013
800-990-9108
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
RET AlLERS NATIONAL BANKJ TARGET FINANCIAL) n C~
) NO, 04 - J)..fD \.:,..;\ ~ I GI2...J1
Plaintiff )
v. )
)
LAWRENCE E. SUMMERS, )
)
Defendant )
COMPLAINT IN CIVIL ACTION
AND NOW, comes Plaintiff, RETAILERS NATIONAL BANKJ TARGET FINANCIAL,
by and through its attorney, GREGG L. MORRIS, ESQUIRE and the law offices ofP A TENAUDE
& FELIX, A.P.C, and files the following Complaint in Civil Action, and in support thereof aver
as follows:
1, Plaintiff, RETAILERS NATIONAL BANKJ TARGET FINANCIAL. 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 Street, Carnegie, Pennsylvania 15106,
2. Defendant is Lawrence E, Summers, an adult individual, believed to currently reside
at 1204 Mallard Road, Camp Hill, Pennsylvania 1701 1.
3. Heretofore, the Defendant opened a Retailer National Bank! Target Financial
account with Plaintiff being Account No. 4352373361465799, for the purchase of goods and
servIces,
4, The Defendant has made or authorized a number of purchases and as of September
30, 2003, Defendant owes $5,423.19 on said account plus interest.
5, The Defendant has received monthly billing statements from Plaintiff setting forth
the nature and amount of all charges made by Defendant, and the transactions between Plaintiff and
Defendant give rise to an account stated, upon which Plaintiff has relied.
6. The Defendant made payments, but has refused to pay, and now refuses to pay the
balance due and owing on the aforesaid account in the sum of$5,423.19, plus interest and costs,
7, Despite repeated demands, Defendant has failed to make the required installment
payments when due and therefore the full amount of the account is now due and payable,
8. Plaintiff is also entitled to recover reasonable attorney's fees pursuant to the terms
ofthe retail installment credit agreement in effect at the time the subject charge account was opened
or charges made, A copy of the Agreement is attached hereto as Plaintiffs Exhibit "I" and
incorporated herein by reference.
9.
$1,300.00.
WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the
amount of$5,423,19, plus legal interest from the date of breach and attorney's fees in the amount
of$I,300,OO with continuing interest at the legal rate thereon from the date of Judgment plus costs.
Accordingly, Plaintiff makes a claim for reasonable attorneys fees in the amount of
The damages requested are less than the maximum amount for compulsory arbitration as set by the
Court.
Respectfully Submitted:
J
.s;
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yolK Ac<:OUnt to 1I1 a1l1mey IlJr coIl8l:Clon, \'IIU mU&t pay 10 us on coste ani
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.6g1'8.ment by,...r ...,... will camImIa to I>> alJllgalllfla JI8l' al_
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" tlIndilians of IIIlo AlI......at.
~ 13. COMMUNICATlOIlS wmnou. ~ DlGUI agl/ll1l may "lI bytDleph..a rogan!ng
.J yourA/lCClml.l'OtIsgreell1atwemayPllll8luchcallsll$lll!laneutolll81lt
~ di~Ing/ann_, devltL You oareell1atwemllt, Iur\r.llnlng ptIrpaseaorla
r ...lueI8th.quBfa,.,.ursenric:e,IistenIDIIIlII....Illp/la!1.""'''''''liCn&you
haw wIlh us.
14. WHAT LAW APl'I.IB. 1l118~ wII be governed byf8dalW law aniI bylh.
Jew alSouth DaImlL ~thIIi 18.., __OIl .., .rtnalOmll "'"
con_ al1Iis AQreemInt llIld oppII:able f8domI DI slate loW, thte,lgnement
tII1I beCllll6ldered dningedlall18"""'_1o compIywlllt thalall,
lS,l:IlAIIIlE OF PSlSOIW.INFOIlIIATIlIN. You ogre.1o toU us IilIhl.WIIl' d allY
dninat In ,.... name, add"" Dr tell\lhOno nlllllber$...
l6.ASSIflllll1Ell1llF ACCDllIt W. may 101. aaIgII....., yourActOUnt Drony
....1ve~.._und"your_l'lIhoUlIlDllceIo)'llll.1'OtI marPlllOn,
aso/Qllortmnsfet',....Ai:tountwiJlmutflr8t.biaInJnII ourWlillen COII88Ii.
lUO WAlI/Ell. We ma,..... ...delayerdorclog..y.,....r1ghto undeI1l1Is
Agreement wJl10\1l11llli"ll fbem.
1B,CIIAIGfS TOTHlSAlI_ Wtha..lI18lli1hClDtliange1ltlSAgrIl_
O/1dudinGlItedgllllallld_1emlSlllKflaepply",.., ohang".1IllY
0l<I8lltv _ on"'_ ""wi! pmIdoyou Mth nDtil:e of any"""
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_c:recllfIIlOII_enltnd,IlldI.Jt_jOuw!lIloJWnlho ....and
_al1I1e_"llorIlna_1I1eI~tlliiiPort
IIIIJN;E 10 PlODI1l&1NlD AlID VBIIIOIT RESlIlEIlTS .. A _er _ fIIlOII
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1boonloClvllllighls CalmIIhIon_tlllJlPlln:e_Il..
_10 WISCOIl5II R&/IIIM$. r"" do no! ""' OIl timo,...... declnlht
:' _rloor~duellldpaJllbloldl....hangltenyouJlGllll'_IllIIl'"
_llldyouhavolailed/D.ClI1Ithedoleulr__061dlyallll8rtil8_,
_ howoiet,arlJhl1o """ """j,GtDldsi.....delaJBsIII..-biej,ourIdiolihiolbe
~1O'8tDdiIlQ_f12l_Wewllnolb8__lrbrplMllllo 01 any
;.11lOIItaI pIqlWly"llIftlllelll,IIIII__ent"toIIl_ und8IS_
. 7GlI.91l11d 7lIll.70alWio<:onolu lllw.iP....._.tIlPl'oflll.documenlar
;' bav8 knowIodga allts ,"""s _the _Is opened.
OUter_ani..
We mOj' lIlate IImnaa lnfOOnaion about yoor ,,,,,,uR! wliII olIIer ...panl... They fall
inlDtJveacategllfi.., .
. Vendors of produds and services that you have purchaselt or mat we
b8lioweWillb,oIml9reotIOVllU
. AnanCial service .roYldeJ'$, stich as In$l,Imncs companies or investment
_rs
. Non-profit arganizatlanl, such IS those involved with the arts. education
III'mediOlllcareandfGseJrctr
They may UBe thBlnfmlnaliOl1IO offer you producu and a"~CO$, ~nd""l r_n:l1,
1nI01111 yoo of UI,,;amlng avon\ll. '" uk lor yoor support We may share !he following
lnfonnatian wilh_ tompmlios:
. Identific.tion and contact k1Ionn.tio.. 8tlCh as your nam., addreas .nd
1t\iJlhont_
. AoCOllllt 1tIn6totlon and .xperl.n.. Infonna"on, ",c!l as your balonc.,
purchase "'" Jll\lIlIOfll hisIoIy
We do not aharB your __b.r WIII1 these ClImpanl..1OI' med<eling purpose.!
_ your parm_ We camvIIV seI.ctlhem to lie Sl81I tI1ey "av. PIllcodlJles In
~toPllllSClyourPllvacY.
~I'amIIlIedGr"""""Bylaw
WemeyalaO IlIO\ilIelnlotmatlonaboUlm_untlOoIh... as_'1Ied "'required
III law. Far""" we may__toprocea_, BBMco lICCOWl!a,
repartGIIll/lliStrJ/yto Credit_.. or PJMIII taud.
CenIideDtiIIIlrIllllIilcurit1
OnIyOlrauthlliredempioJeesindtepl'esellla1lv8.havoaoceseto_lnIoImaIIon.
TheyweWlllnedtomalll\Blnt:allidll1hlllrandseculi\r. We also have ~. aIet1r1mjc,
and ~UCOIIly___lhelOOllljJlywilhfed""'a!andarde.
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1b1lles may IndDde _ abouI.....nlBlhet """ _ cioOOd... "'_
the same pulicles ami pmcticea lIIlIlIY to f1I, """"""lion.
lIpIinJDul
H.. to 0lJI Oat
llliIcanaplDllllolrnltlhe-..weahare. Tuoptout,,.._.......ete..d
_...__u,.._.joIataccount,_ac<llUlIlhaIdorcanaploul.
Theaplllll\wIlllPPlYlO""'I"UCClI""'I_ .
1\lu..........IIPlQloIllliacr....aplllllllonnllread1_"""""IliIIl...
E\lllalaI 0JIdng Ilue
. WftIdn ... 1lIIpI _,. u you apt out, we will nul _ Ihe loII.wlng
__Ihe1laget1Bmily:
. I_!nlm your accalllll appliCation. _1han 1d8nIIIIadl0l1 and
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. IIdomlaIi8IItoIII1IlnI1lOI\I8S
. oul8lda... 1JnI8I foIolIr. u yoo opt aut, ... win not sI1are hIIonnallan
10iIh -"'" _11e1irgetlamir, ex<ept
. CampanIa.....to pnMde IIIlIIll8IIng SIlI!PIJI!-
. CanqloIUa .. partner WIIh tar juInt III8IIlaIIng
. As permitted '" _Ired by 1aw,IDr ~..to...._ _011.,
_"""",,",raport_hlotoIrlllcredllillnals,"'..-_
Tile__glVeOI_.......onIylor_Thlrm"IIIlt..._We
1I1lII'...... oraddtJ....poicIeallllljllllll8dJns.WawllfOll)Wr..._~
clw1ges1hat atleot,...1'OII wiII_ a c/laI1l't 10 opt..._Ihe_PeiIcl<
.""'''''''_quesliant.~MI18'''
_..._IlIBar1k,oIo Sjloolai CredltServfees.
Mall Slop 4A..I, P.D. BDllI331, ~ Minnesobl55440.t331.
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Credit Card Agreement and Privacy lPoliel
Target0 Visae Card
Th~ Agr....",tBKplalns 1/1. tenns !hel you ~... to follow lor your Torge!~..
Account rkCllunl').1hl! cant carrier.....1III with your ""'~lcard iupall olthis
Ag/&Ilment, 111 Ihls Agt1emenl 'WI', 'us', end 'our' mean l\elalla> NoliooO/Bank.
'You'lI1d 'your' m.... everyone who I' Habl. for payment on this Aa:ourt. "Card"
ref.rsm yourTil1lIot~ crerIilcant.
1. USE OF YOUR ACCDUIlt When you ~ for on ~you prnmiselo be bouI
bythll term. oIlh1s Agr.....rt. You Promlslto pay '" fOrall c..lIII_ und
tI1IsAllr..mentend all _amountll BWld to us by you accordInglo thetenns,
thi'AlJIIlement. nlh._isa]olnt~ """" oryoll isboold by this
Ag..emllllland.ach otl'Oll JoInIfv and IMl'Ii1IuaIIy jU1>mioes 19 PlY." ami may I
I18ldHibl.Ior,8Il_owedto lIS OlIyourAocounl. You aIIO ~"lopar U
lor chsrgeslncwrall III ..,... you liIowlo UIB your Account. d flU sm 'Olf
Canf1D........ andaulhOllle!he\'use "th. Coni, you must__
III tenninlIIeth.lr_ ...,I'0Il ag..alhatyou ..lloot... oratlow use of
your C8n1orAccountlarll1' iIIegaI_ or purpose.
You II1lII' use your ClInItD make pIRhases 01 goods or"";... _Visa
canlo are accepled ('Ptln:Iulsa(Il.lbu m" also use your Cord 10 abllliI ...."
a_lmmJlllllclpali1g_tdermachln8ll,_InaIlIu1ianB,...
oIher IeCa1IoII8rCashAdvancetl!l'). Your... ",1lu1l81Vlaa..........checlol
fumIaJIsd III us. bala"",-.amI yourOlll>l1... "cash oqulYailnll, such..
wino chips or ...Iar _. wag..... o.tB lraIlal8re, money onIme, foreign
_ tmelet'ldleck1, woueI18larodeemeblalDreash orO"jlorbms..llfiI,
comer1Ib1a Il1tOcash",18a18d as CaahAll"'08lIl/11de1"'~Ageanent.
2. CIlEDITUIl/r.1\luagmlhat",mar_.Dtedltlm/t/or"",Aa:ount,a
podloo "_l1li be avaIabIo for CasIl AdvaIltao (eaCh, B 'CQdI Lnil"). You
_lhat... maychql.Cl1dIlUmitlmmtimololinle,lncludl!lI boaed_
."._ OIciIqe8lnyow_o:apacII;yGr _ ...yowpalWm 01
parmenIs Ie... \\l8 ..v. bUt 8fS not ~dto, apJllDVlIl1loSllCllllo u.t.-d
rour CoIIIll Unil_lablllrtD,.. and _ eIJI/pIIinJ ","dB ",In""
11m. You 00..... ~your_baIance or__ba/IIllc8lmm
...oedingl1e~CredlUm/l.
3. SPECIAL PADlIDJUIIIS.llccasiIoaIIJ, we ma, prIlVil8 you !he opJllltllMl' '" ...
,...._/D_wllllIpllCiaIjRlIIDtieIIs,-...~llInBfelsby
...oIllllgalViaa_"......_..._.Th8HptIIIIl_1lIIJ1Ie
Ni/.cll".....and_In_to"'___pruridellin
U>lsAjplemant,_......_i1....oIleI:lJnIoss__~
'-1lII_"1hIsAgreemantIhail_"llI1'~
4. PAYBIfIITS.l1xIrllllllogslala_.._lhe_you......._.Ih.
lleWllaIanco, lI1IIlha ....--IOU .....1lIII8BII Ie ".,.."rlhof....1IIlI
JI8fIOcl, whlcl1l1.._AlIIIJenlPuLf8l1YPDJI/DIlol......BllIancoIa
d.inquW,..._MII_\hBAn1oum PGlllul. ThlI_enlwillaJso
lib l'OlI 1h81'1\yD1801 Dua DolL
In. Mnirnum ~ymomDua" be 2.QlI flI.1tl<KJI&w ~.....1IIIlIlIh, .
1lI1Blded101h81l8Xl1jglwr__.........or$lO'OO'_Ia~U
your_JlaIanCe16 188S1IatI$lD.OD, the_ f'lYnt8lllDuelllll be the
_NeW_. r.... 16 an_1'aot Due. waWlladdlhsl_1o
. """MIn_I'II/ftl8IllPnL
1272ll1R5lO2l
1V.~
The undersigned does hereby verifY subject to the penalties of 18 Pa.C.S. Section 4904
relating to unsworn falsification to authorities, that she is, Christie Comes, Assistant Secretary, of
Retailers National Bank, Plaintiff herein, that she 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
her knowledge, information and belief.
CkvL~'
Christie Comes
Authorized Agent of Retailers National Bank
SHERIFF'S RETURN - REGULAR
CASE NO: 2004-02280 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
RETAILERS NATIONAL BANK/TARGET
VS
SUMMERS LAWRENCE E
ROBERT BITNER
v
Cumberland County, Pennsylvania, who being duly sworn according to law,
, Sheriff or Deputy Sheriff of
says, the within COMPLAINT & NOTICE
SUMMERS LAWRENCE E
was served upon
the
DEFENDANT
, at 2046:00 HOURS, on the 24th day of May
2004
at 1204 MALLARD ROAD
CAMP HILL, PA 17011
LAWRENCE SUMMERS
by handing to
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
9.66
.00
10.00
.00
37.66
Sworn and Subscribed to before
me this J1'C- day of
~ 0l4lJ'f A.D.
~~2:d!i-'~'
So Answers:
.r'~~
R. Thomas Kline
OS/25/2004
PATENAUDE & FELIX
BY:~~ ~ ~
\ ,\~~y ~he~~U
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
. PENNSYLVANIA
RETAILERS NATIONAL BANK! TARGET FINANCIAL)
) NO. 04-2280 Civil Term
Plaintiff )
v. )
)
LAWRENCE E. SUMMERS, )
)
Defendant )
PRAECIPE FOR
CONSENT TO ENTRY OF
JUDGMENT
Filed on behalf of:
Retailers National
Bank/Target Financial
Counsel of Record for This
Party:
Gregg L. Morris, Esquire
Pa LD. #69006
Patenaude & Felix, A.P,C.
213 E. Main Street
Carnegie, P A 15106
(412) 429-7675
SUMMERS, LAWRENCE 2050.3196. wpd
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
. PENNSYLVANIA
RETAILERS NATIONAL BANK! TARGET FINANCIAL)
) NO. 04-2280 Civil Term
Plaintiff )
v, )
)
LAWRENCE E, SUMMERS, )
)
Defendant )
CONSENT TO ENTRY OF JUDGMENT
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 him
in the amount of$5,423.19 plus interest at the legal'rate per annum and attorney's fees in the amount
of $500.00 plus costs of suit. '
Date:f- 30 - p f
PRAECIPE TO ENTER JUDGMENT
To the Prothonotary:
Please enter judgment against the Defendant in the amount of$5,923.19, PIUSJ' terest and
~~~ ~.
RefctfuIjy Subm' ed: J!
if
./ i
/ Gr~gg 0
Patenaude & lix A,P.C
213 E, ~'in e
Carnegie PA 15106
(412) 4 -7675
,.
:)050. 3/70
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
RETAILERS NATIONAL BANK! TARGET FINANCIAL)
) NO. 04-2280 Civil Term
Plaintiff )
v. )
)
LAWRENCE E. SUMMERS, )
)
Defendant )
PRAECIPE FOR
SATISFACTION OF
JUDGMENT
Filed on behalf of:
Retailers National
Bank/Target Financial
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
-'.
I'
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
RETAILERS NATIONAL BANK! TARGET FINANCIAL)
) NO. 04-2280 Civil Term
Plaintiff )
v, )
)
LAWRENCE E. SUMMERS, )
)
Defendant )
PRAECIPE TO SATISFY JUDGMENT
TO: Prothonotary
Please satisfy the Judgment at the above-captioned action of record, Thank you.
Date:b
~
-"
.
I, Gregg L Morris, attorney for Plaintiff, Retailers National Bank! Target Financial, hereby
certify that a true and correct copy ofthe foregoing document was served this date by US First Class
Mail, postage prepaid upon the following:
Lawrence E, Summers
1204 Mallard Rd.
Camp Hi! , Oil
Gregg 's, Es .
n e & Felix, A.P.
Attomeys for Plaintiff
213 E. Main Street
Carnegie, P A 15106
(412) 429-7675
Date:
11
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