HomeMy WebLinkAbout09-5864ARBITRATION MATTER
ASSESSMENT OF DAMAGES
HEARING NOT REQUIRED
MAURICE & NEEDLEMAN, P.C.
BY: Joann Needleman, Esq.
Identification No. 74276
,Charlene A. Taylor, Esq.
Identification No. 203920
935 One Penn Center
1617 John F. Kennedy Blvd
Philadelphia, PA 19103
Defendant(s).
789-7155
FORD MOTOR CREDIT COMPANY, A CUMBERLAND COUNTY COURT OF
DELAWARE LIMITED LIABILITY COMPANY COMMON PLEAS
P.O. Box 6508
Mesa, Az 85216-6508 Case No. UQ - 58(o4 CC i V i _term
Plaintiff,
V.
ROBERT E SHINDEL
650 Baltimore Pike
Gardners, Pa 17324
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 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 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.
CIVIL ACTION COMPLAINT
AVISO
Attorneys for Plaintiff
Le han demandado a usted en la corte. Si usted quiere defenderse
de estas demandas expuestas en has paginas siguientes, usted tiene
veinte (20) dias de plazo al partir de la fecha de la demanda y la
notificacion. Hace falta asentar una comparencia escrita o en
persona o can un abogado y entregar a la corte en forma escrita sus
defensas o sus objeciones a las demandas en contra de su persona.
Sea avisado que si usted no se defiende, la corte tomara medidas y
puede continuer la demands en contra suya sin previo aviso o
notificacion. Adernas, la corte puede decidir a favor del demandante
y requiere que usted cumpla con todas las provisions de esta demanda.
Usted puede perder dinero o sus propiedades u otros derechos
importantes para usted.
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.
LLEVE ESTA DEMANDA A UN ABOGADOIMMEDIATAMENTE.
SI NO TIENE ABOGADO O SI NO TIENE EL DINERO
SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA
O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION
SE ENCUENTRA ESCRITA ABAIO PARA AVERIGUAR DONDE
SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
Lawyer Referral Service
2 Liberty Avenue, Carlisle, PA 17013
(717) 249-3166
MAURICE & NEEDLEMAN, P.C.
BY: Joann Needleman, Esq.
Identification No. 74276
Charlene A. Taylor, Esq.
Identification No. 203920
935 One Penn Center
1617 John F. Kennedy Blvd
Philadelphia, PA 19103
ARBITRATION MATTER
ASSESSMENT OF DAMAGES
HEARING NOT REQUIRED
Attorneys for Plaintiff
(L1J) nsq-/1JJ
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
ROBERT E SHINDEL
650 Baltimore Pike
Gardners, Pa 17324
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. 09- -6 6q ?j t"r`
CIVIL ACTION COMPLAINT
1. Plaintiff, FORD MOTOR CREDIT COMPANY, A Delaware Limited Liability
Company, is a Corporation with its place of business at P.O. Box 6508 Mesa, Az 85216-6508.
2. Defendant, Robert E Shindel, is an individual who resides at 650 Baltimore Pike
Gardners, Pa 17324.
3. At all times relevant, the Plaintiff was in the business of loaning money on motor
vehicle installment sales contracts, including but not limited to the note signed by Defendant(s),
hereinafter more fully described.
4. On or about November 30, 2006, the Defendant(s) entered into a written Motor
Vehicle Retail Installment Contract, (hereinafter referred to as the "Contract"), for the purpose of
obtaining financing in the amount of $28351.84 at an annual percentage rate of 15.000%, in
order to purchase a certain motor vehicle, 2004 Ford Explorer more particularly described in the
Contract (hereinafter referred to as the "Vehicle"). A copy of the Contract is attached and
marked as Exhibit A.
5. Pursuant to the Contract, Defendant(s) was required to make monthly payments in
the amount of $507.33 for a period of 48 months until the loan was paid in full all as is more
fully set forth in the Contract.
6. Defendant(s) made monthly payments until November 12, 2008, but has failed to
make any further payments thereafter, and are therefore in default of the Contract.
7. As a result of the default by Defendant(s), and pursuant to the terms of the
Contract, the above-mentioned vehicle was repossessed and a notice of repossession was sent to
the Defendant(s) giving the Defendant(s) the opportunity to redeem the Vehicle as well as notice
of the sale date. A copy of the notice of repossession and notice of sale date are attached and
marked as Exhibit B.
8. The Defendant(s) failed to redeem the Vehicle and the Vehicle was sold at
auction with a credit given to the Defendant in the amount of $7800.00, however a balance of
$7520.18 is still due and owing, and a notice of the deficiency balance was sent to the
Defendant. See copy of the notice of the deficiency balance attached and marked as Exhibit C.
9. Pursuant to the terms of the contract, Defendant is required to pay all amounts due
and owing, including any balance that may remain after the sale of the vehicle, and the
Defendant failed to do so, thereby in default of the Contract.
10. In addition to the foregoing, there is interest due and owing on the deficiency
balance which at this time amounts to $457.39 and which will continue to accrue.
11. The total amount due and owing at the time of the filing of this complaint is
$7977.57.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $7977.57, well as any additional interest and costs that may accrue and such other
and further relief as this Court may deem equitable and just.
MAURIC17 4)QEf ]7LEMAN, P.C.
ESQUIRE
Date: August 20, 2009
VERIFICATION
I, CHARLENE A. TAYLOR, ESQUIRE, verify that I am the Attorney of record for
Plaintiff, FORD MOTOR CREDIT COMPANY LLC, A DELAWARE LIMITED
LIABILITY COMPANY, and duly authorized to make this verification on its behalf, that
statements made in the foregoing Complaint are true and correct to the best of my knowledge,
information and belief.
These statements are made subject to the penalties of 18 Pa.C.S.A. §4904 relating to
unsworn falsification to authorities.
BY:
AYLOR, ESQUIRE
DATED: August 20, 2009
PENNSYLVANIA SIMPLE INTEREST VEHICLE RI
1-BW727-7000 nl Caa) r.4kh" wane and.
ROBERT E SIINDEL
650 BALTIMORE PIKE
GARDNERS PA 17324
INSTALLMENT CONTRACT DATE
GENE LATTA FORD, INC
ROUTE 94 CARLISLE PIKE
HANOVER PA 17331
h Prxaraaw .--
? ApkrwN
I ITEMIZATION OF AMOUNT FINANCED I I INSURANCE I
1. Gala
2. Doan Pdrymant
N/A
Thad Parry ROOM Assigned a SNler
Cash Doan PaymeM__-------- _____.._..
Trodsln 1999 CHEVRO f 4000. On p u/M
Ywr and Wb Grua Allo-a Amount Oaarp
Total Down _........______f?0pi0,.0d2)
3. Unpaid Balance of. Cash Prka (1 minus 2) ._..__.......__.__._.__d_.lfep6.?pdf)
4. Amounts paid an your honed (Scher may be ratlnep a Porllon of these smourss)
To Public Of icloi.
(i) for license (s 6. 001, title K 22 9n),&
roostration If N/A ), loss f 18 9.
(b) far Ming fees S 5. nn ;
(a) for Wroe (not in Cash PriCS) d 1 ma In f 10- 10
To bee "m Casse a fit:
Credit LIN treatments (for reran of Credit OWbllhy Maurwlder (lot term of coaract).__...._.___f ?.r.A
N/A (Term N/A Mathel._.___i--ACA
N/A (Term N/A Maalr)._......._f --+4EA
To N/A far N/A If _VIA
To N/A for N/A f
To GENE LATTA FORD, for Doe FEE S 55.Dn f
To N/A far H/A i ?yra,_
To N/A far M/A f - al
1a rc
ON-LitB geG F!! f _
To for
133.W4
S. -48.1.22-350:
PERCENTAGE I CHARGE I Flnan ps Paymsmb I Peke
RATE the dear ..ewd 11r wlewt a The anrpuN The tea coo
weld prwlwa you M hoe tl y?r Prrrlra.
The coo of Wur dr cam,
you w m wd river YOU Bear.
crew n it Want rr ooa you yrrr ban., he.e mw w serenade ywr
.plrwube adaeeWnwt
cevnr.rna tl d 4.00 00
Nunew a peniiiaa #-. a Pallearee 1Nrr Parmraa an sue
N2Man1h OMmsArowl DArwrrra
NIA N/A
NA N/A I N/A
FrapaynrrrC It you Pal w yror deb, •ry yw ,. 1 m1 hew b pry a ponaft,
BeaWM Mnwear: Vav lie 0*V • ....y inane in ee .ata• boor, m.me••d.
Car PaYraara: You anon wY a
pema+talr the dm are paaon d - W Wrwn h..!- - dan 10
wye rr. Tie area.rzoo asit Werrouc
COwtael: Phew ew e'd mmraa fw aawrrW atonrrwon m sit = inbest. weaWwrl.
sawn, as ripe b r•du'va rewy l 0 yr allot n Us b•lon raw aeertw wit. aro
I prepeYmwl p•rr•aY.
If you do not meet your contract oMigatbna, Ynxl 1TIay lose Your vehicle, es wall
as both parts and goods pit on your wNlide and moray or goods raoeive0 for
? YWr lea ireeARenl psymem under Mb contact I. a beacon payment.
lxCESS WEAR. USE AND Mit.EAGE CHARGES
If the box daactly above is chocked. this section, Paragraph B. area Para(peph C a
this cerYraa; p . YW may ce charged fa exeaasiw wear based Ipon Wr elerdad.
Iw enamel use n you wderClee tlne apaan s) ass the wnkb bade M Seem under
"rase trfe ores arras Drwaq laeusrw ee
Iarar a rid ewewl The croon and
a° ? shown n aerie. w aara•arm
Awn r M wwy.
P rash B, you moat pay the Selby SOX/A per mile b own mw in Excess
ail mhee sfewn an the Wandler
CI Der carol oft. waver Adeead a (OSIbrO
. It eta bw is traced! you hme purAeero a aaa
EKTNA MILEAGE OPTION CREDIT
n dta ar axssihe • balloon pawrent (ea naicebd aheYe), and you haw rarcatw m warm. patches a to -a. b
-'E.W aide rue ra."o" n orxen craw. The
and condtoraa- ass cerrw4lbn verse
exwdsed Your Opoon W EMI the Made o the Swsr wider Paragraph B. he w
as bid In to atlrlas Adartlan Mks b
Paragraph apoll. W yaw contract. At the scheduled and of the centma, you all ar."loomed ode id's` w TMprbsbrttebbl
reod.. s Cream of so. K JA pit umred mile for the number of unused! miles wvgamnwwwbwbMcetlte wanedbms
bableen N/A and _ WA mil., less any amounts You rrarkaiorr a AmouY Flmieaa uroa wcton 4.
owe undo, tds contract. You will not receire any craw if the which b destroyed, Oft
contract wide a", or you are in debut. You will not macaw any credit ill the credit Is
BaWr
INS Man $1.00. dips
AIM aanpe n M wnlraa rru/a b?in,MY/frp and e?4ed by Ycu and IM ewer.
r X E4, L Q4. SG/ C,
Six. Si
YOU ACKNOWLEDUE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THE ARBITRATION PROVISION ON I
Tile Arxaaal Percentage Rate may be regohared with the SaHNr. The Setter may assign this co It at and may retain
He right to recelw a pardon of the Rm nce Charge.
Do not sign this contract In blank. You are entitled to an exact copy of the contract that you sign.
Keep it to protect your legal rights.
aayarX -=d"t coauyerX
Sghe Sipe
Buyer (and Co-Buyer) acknowledge that (1) before s11nInI this contract, Buyer (and Co-Buyer)
raacelved and reviewed a true and completely filled in copy of this contract and (ill) at the Bane of
sianinD Is contract, Buyer (and Co-Buyer) received a true and completely filled in copy of this
contract '
BaywX
y,&KE LATTA FORD, IRC By
?z._.(/Y
THIS CONTRACT IS NOT VALID UNTIL YOU AND SELLER SIGN IT.
ASSIGNMENT
ass. may aoa.rr
wiwrt? iM rortr• RD. MOTOR CDITir a- ass never h- ail aaur• done, Pf.ww.. wit rareness by WW.* anew, lie
s•Sw ywhrArww•? (•A••brr•'}
or cab their webOM w
?fGCreO1L. Cam
NE LATTA FORD, INC BI,XIl/??"
K r ?awNC 1?n yrs. +r rpr r ue.n SEE OTTER SIOF,FOR ApD1n. AGREEMENTS
ORIGINAL
YOU ARE REQUIRED TO INSURE THE
VEHICLE YOU MAY OBTAIN VEHICLE
INSURANCE FROM A PERSON OF
YOUR CHOICE.
CREDIT LIFE, CREDIT DISABILITy AND
OTHER OPTIONAL INSURANCE ARE
NOT REQUITED TO OBTAIN CREDIT
AND WALL NOT BE PROVIDED UNLESS
YOU SIGN AND AGREE TO PAY THE
PREMIUM.
Credit
O LINT
Imureftce Company
S
P Irlsured(s)
You went Creill Ufa Insurance.
Buyer Signs
Co-Buyer Signs
Credit
? Disability
rants Company
r Irlaured(s)
1---W
You ward Credit Disaiddy Ireumnce.
Buyer Signs
Ca-Buyer Bigrre
OTHER OPTIONAL INSURANCE
Cowry(e end Premium ird
Iheraenea Canleern Term in Months
11/A. d----Mlle
13y NfA Iy.A-_
1b k i NIA
By NfA B71(-
You want ale aptlawl in.- for wnkA
P'amU a e
an tluded.1-
Buyer Sig.
co-Bayor sgre
AD[IfI101M1 AGREENENT$ A.
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Ford Motor Credit Company
P.O. Box 17948
GREENVILLE, SC 29606-8948
(877) 805-7187
P00J5N00200034
ROBERT E. SHINDEL
650 BALTIMORE PIKE
GARDNERS PA 17324
Date of Repossession 12-31-2008
Date of Notice
01-01-2009 Date of Contract
11-30-2006
Account Number. 041803269
Buyer ROBERT E. SHINDEL
Cobuyer
DESCRIPTION OF PROPERTY
Year
2004 Make
FORD ? New
x? Used
Vehicle Identification Number:
1 FMDU74W64UA07333
Model
EXPUR Body
4DR
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because you broke promises In our agreement.
?x PRIVATE SALE: We will sell the property described ? PUBLIC SALE: We will sell the property described above at public
above at private sale sometime after 15 days from the sale to the highest bidder on the date below (or any adjournment
Date of Notice shown above unless redeemed by you date). The sale will be held as follows:
prior to such sale. Date of Sale Time of Sale Place of Sale
You may attend the sale and bring bidders if you want.
NOTICE OF REPOSSESSION
The money that we get from the sale (after paying our costs,
including reasonable attorney's fees and legal expenses if
permitted by law) will reduce the amount you owe. If we get
less money than you owe, you will still owe us the difference. If
we get more money than you owe, you will get the extra money,
unless we must pay it to someone else.
You can get the property back at any time before we sell it by
paying us the full amount you owe (not just the past due
payments), including our expenses. See How To Get Your
Property Back for an itemization of amount owing. To learn the
exact amount you must pay, call us at the telephone number
above.
If you need more information about the sale call us at the
telephone number above, or write us at the address above.
The property is presently stored at: MANHEIM AUTO AUCTION
1190 LANCASTER RD
MANHEIM PA
HOW TO GET YOUR PROPERTY BACK
To get your property back, pay us this amount by certified check or
money order before the vehicle is sold.
Unpaid Balance $ 14,449.13
Plus Costs: Repo Expenses $ 36000
Plus Late Charges
Less Finance Charge Rebate
Less Insurance Premium Rebate
TOTAL
$ 42.94
$ 14,852.07
(Plus expenses incurred If default at the time of repossession exceeded
If you want us to explain to you in writing how we have figured 16 days and less rebate received after the date of this notice.)
the amount that you owe us, you may call us at the telephone Your property won't be sold until 16 days after the date of this notice at
number above, or write us at the address above and request a the EARLIEST. After that you can still get R back any time before it's
written explanation. actually sold.
If you do, we'll have no further claim on it. But the longer you waft, the
We are sending this notice to the following people who have an more costs (including repairs) you may have to pay.
interest in the property described above or who owe money under If you have any questions about this, please call us.
your agreement: 1) The buyer and any cobuyer named above;
2) Any dealer/original creditor named below; 3) If there are other
people, they are named on an attachment sent with this notice.
? The property has been (or will be) returned to:
(dealer/original creditor)
Under our agreement with your dealer/original creditor, the dealer/original creditor is to sell the property and pay you any money left over. If you owe money
after the sale, you will pay it to the dealer/original creditor.
? PERSONAL PROPERTY: Any personal property found in the vehicle may be reclaimed by you within the next 60 days or, in accordance with stale law, by
corrtacting this office. Thereafter, the personal property shall be disposed of accordingly.
? Creditor has assigned to its qualified intermediary (QI Exchange, LLC) its rights (but not its obligations) with respect to the sale of each vehicle listed above
PAYMENTS: All payments to us must be by certified check or money order.
MILEAGE DISCLOSURE: If you are aware that the mileage reflected on the vehicle's odometer is not accurate for any reason, please contact us so that we
can accurately report the vehicle's mileage.
INSURANCE RIGHTS: If you don't want to get your property back, call the insurance company or the dealer/original creditor to make sure that any insurance
has been cancelled. You have a right to get credit for all premium refunds.
BELINDA VEGA
FFNA 14189637 Jan 02 Previous editions may NOT be used. CUSTOMER/CUSTOMER FILE
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Ford Motor Credit Company
Greenville Business Center
P.O. Box 17848
Greenville, SC 29806
877-805-7187
DATE: March 25, 2009
ROBERT E. SNINDEL
650 BALTIMORE PIKE
GARDNERS, PA 17324
STATEMENT OF SALE
Account Number. 041803269
The following property has been soli:
Year.
2004
Make: Model: Vehicle Identification Number.
FORD EXPLR 1FMDU74W64UA07333
Gross balance owing on your contract (1) $ 14,492.07
Deduct Finance Charge Rebate (2) $ 0.00
Balance owing prior to sale (3) $ 14.492.07
Deduct Gross proceeds of the sale (4) $ 7,600.00
Balance less gross proceeds of the sale (3 - 4) (5) $ 6,892.07
Add: Expenses of retaking and storing, and any (6) $ 628.11
attorneys' fees allowed by law, and expenses of
reconditioning and selling.
Deduct: Insurance Premium Renate (7) $ 0.00
Other: (B) $ 0.00
Deficiency" (9) S 7,520.18
Surplus' (10) $ 0.00
The Surplus/Deficiency will change based on monies received by us (credits) or additional allowed expenses & interest added to
your account (debits).
Surplus" or Deficiency"
" If the sale resulted in a surplus, a refund for the difference will be mailed to you.
If the sale resulted in a deficiency, you should immediately remit the amount shown on line 9 to the address for
payments shown below.
For additonai Information call or write: MaY deficiency payment to:
Ford Motor Credit Company Ford Motor Credit Company
P.O. Box 6508 Dept 194101
Mesa. Arizona, 85216-6508 P.O. Box 55000
800-732-2264 Detroit MI 48255-1941
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Ct:* 18 033
Utcj?a4 8 c5
Sheriffs Office of Cumberland County
R Thomas Kline
Sheriff
Ronny R Anderson
Chief Deputy
Jody S Smith
Civil Process Sergeant
Edward L Schorpp
Solicitor
G~uatp of ~u,n~,rt~~,4
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~~ ~!-~~ P' ~ ',~,n~r~T~~~Y
20Q4 SEA - ~ r~~l ~: ~
Ford Motor Credit Company Case Number
vs. 2009-5864
Robert E. Shindel
SHERIFF'S RETURN OF SERVICE
08/29/2009 08:38 AM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on August 29,
2009 at 0838 hours, he served a true copy of the within, Complaint and Notice upon the within named
defendant, to wit: Robert E. Shindel, by making known unto Jeff Forsythe, adult in charge at 650 Baltimore
Pike Gardners, Cumberland County, Pennsylvania 17324 its contents and at the same time handing to
him personally the said true and correct copy of the same.
SHERIFF COST: $38.34
SO ANSWERS,
r:
August 31, 2009 R THOMAS KLINE, SHERIFF
Deputy Sheriff