HomeMy WebLinkAbout09-777810090278
THIS IS AN ARBITRATION MATTER.
ASSESSMENT OF DAMAGES HEARING REQUIRED.
Goldman & Warshaw, P.C.
BY:Barry A. Rosen, Esquire
PA Identification No: 42951
GOLDMAN & WARSHAW, P.C.
312 W. Broad Street
Quakertown, PA 18951
267-373-9730
Counsel for Plaintiff
VNB LOAN SERVICES, INC.
747 Chestnut Ridge Road S
Chestnut Ridge, NY 10977
Vs.
Michelle R Spicer
PO BOX 141 1550 WILLIAMS GROVE
RD LOT 145
Mechanicsburg PA 17055
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO.: 09-177178
NOTICE
O'Ni I Terk
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 JUDGEMENT 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.
CUMBERLAND COUNTY BAR ASSOCIATION
32 S BEDFORD STREET
CARLISLE, PA 17013
717-249-3166
Goldman & Warshaw, P.C.
BY:Barry A. Rosen, Esquire
PA Identification No: 42951
GOLDMAN & WARSHAW, P.C.
312 W. Broad Street
Quakertown, PA 18951
267-373-9730
Counsel for Plaintiff
VNB LOAN SERVICES, INC.
747 Chestnut Ridge Road S
Chestnut Ridge, NY 10977
vs.
Michelle R Spicer
PO BOX 141 1550 WILLIAMS GROVE
RD LOT 145
Mechanicsburg PA 17055
DOCKET NO.: 09- 7 7 71l C4?j /&.
COMPLAINT IN CIVIL ACTION
1. Plaintiff, VNB LOAN SERVICES, INC.,is a corporation or
other business entity with its principal place of business at the
above captioned address.
2. Defendant(s), Michelle R Spicer is an adult individual
residing at the address above captioned.
3. Plaintiff and Defendants entered into a retail installment
sales contract to finance defendant's purchase of a motor vehicle
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
which required Defendant to make monthly payments to plaintiff.
4. Defendant defaulted under the terms of the agreement by
failing to tender monthly payments as required.
5. After allowing for all offsets and credits, a balance as
of November 4, 2009remains on the subject account having account
number 974015334 in the amount of $14,134.12 plus interest accruing
at the rate of 11% from August 14, 2008 in the amount of $1,835.89
for a total current amount due of $15,970.01.
6. Attached hereto and incorporated herein by reference as
Exhibit "A" is a copy of the retail installment sales contract and
deficiency balance documentation.
7. Despite repeated demand Defendant(s) has/have refused, and
still refuses to tender payment on this outstanding obligation.
8. Defendant's last payment on account was made on May 30,
2008.
WHEREFORE, plaintiff claims of the defendant(s) the sum of
$15,970.01 plus applicable court costs, interest and attorney's
fees.
Goldman & Warshaw, P.C.
BY:
BARRY A. ROSE, ESQUIRE
Attorney for Plaintiff
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED
FOR THAT PURPOSE THIS COMMUNICATION IS FROM A DEBT COLLECTOR
PAAUTO
VNB LOAN SERVICES, INC.
VERIFICATION
10090278
I, Maury R rrWHAN _, hereby state that I am the vTCM PRESIDENT of
Plaintiff herein; that I am authorized to make this verification on behalf of Plaintiff in the foregoing
action; that I have personal knowledge of the statements made in the foregoing Complaint; and that the
statements made in Plaintiffs Complaint are true and correct to the best of my knowledge, information
and belief.
I understand that the statements in this verification are made subject to the penalties of 18
Pa.C.S. §4944 relating to unswom falsification to authorities.
By: c.? P
Print Name: MARK R KOCHAN
Title: VICE PRESIDENT
EXHIBIT "A"
rEfIN1rANIA r'>
?OROR ENICLE IWALLON SALE I;ONI _ '83 ' ?3
IWO
T; Sil Pric,Q`•,
,? :? . _ •? " e11u>rou of
tot
• .Th..e?eEyEt9f ?r ceediE ot. ,' Ttet?d?e..L?y?e?oeidtliE: , . 4R, ? t. - ,. ? S ,._ , ' '
11-04 , _ • 12978.0 . `: 29G26.16 _ ,p4: 8(i' t' 47? X;4.t1
SdieAdE VA bi.
You ue ,divin4 a security inks'NI ?p )h45,?otor lro Jv, do '
! . ; Yr l.`141~'IJ YSI9EpdffWY.1eIiaMIEE1ut'bNl"lF4'WAlh.: ;
< '. ,IaRe (+MMp: # a peYesetrt isJele, geu:wiN,bo•eAsged 2f(, of Eho posdon of:EM? ed?khis•Mte for e?h medh. a pad of i'iaoidl?}e1p?Ip,'iq ,ts dam, r? ,,;.
See blew and my other Contract docrane ft for any ad MwW inf mgbn eboa s?dnpaY neK-*IW ll,- piWI 9Nf??+ePw ,h? ??IM?I ? M?JIIM11I0?':
refuodsandpenali TV. ?„• Rl9NEl{1 .?
C. r F .
IA tt0s,OoOICH
Yre afE S'
'All :HII{: INC
HtttfPA . 'Y7'f'
422_ c
EIS S?tIER. IMITit
me Addrltsli $ 961.7 .Zip e
Courdyl ilti+o6inldiN it lNlillie» 30"m @Yye
MICHELLE DICER r " p 1
AeeMWs)....-•25-•0'A F'RlL, R MIDOLETOWN•''PA '1705
lame(4 Add?esiie:)
ol:.,.County
'Ati7 •,
"there is Bare than one'fiuYN, ai wommes, sepul0eb >ind ebier, #41M1 ? d E !N ? ` „''
Ni??..: .?.dir?•
You hove traded in ;
thl?:vehick: L41Aft .f.ARIi t M' : fAll em-k-i. ISA Lfi5A;XIA1.93T1;4h
Year and Mrke' lksgipfion
If s bolke is stillwft an uiewhiq?' base tldifd in,Uk S on geser iNE?eM 9fw l?eirilnNeaf ti?tYit
mw tmdhhr:k tae kerfLn H?li 'rRyatliilYr'inblast_ ii?1NM'Irilil?W iif 1llnddiftH?Illi A tlaFeElifT?9IR'
.w
Who snO
I?•Ar?fIl ??tlf?plttat?aiBd
K '251E
i 1eta?:of.fAR'•?!!r d,: ' ?nan?atslsoY-roE anw
t.
cbkuM lad a!T
Ty" 01.004BOodMft Apeanent Chute ,
i a 3
':yWp
ef: uirNneI a' e ' ? •'
'*to* ald•aereO N.ply dfl. ., ?
the
Elat?oa air } ` N?rl1
328(10'. Ab .:
fride4n r'
+IdllaofTraOfIK' ?
5400:00
jon It.to
14
1
=s r ,
>oa?aiiiit ei '
cnsdif,'NrA WR not' be dtovidld Wft W'00 -bW# Ipd 10 tH tlis= ME ' rase teaot,on?eutrR w n urumu INSURANCE .on #41vowse ok Yotr' or :o.!w 11
for }he lerm dili ?li? otoceIMe! A pYrCt
BY s ?vw sect *410 craft tw.Muennee, . YtMet R f?! ' BY Sih/e ?1t, ; whet ttreu? 'r. ?? R
wbkh cab i ?,,., het _•,_ ttwrs , , tlr ?:wbeM ,x t ipr,•?.;!•r .
etBuYa b be ,= tJN kt?YrelMdM= is se rlseeellor A,lbt#RatetMnle;3 : i:i ifM).? V . r i...o 'A r J. < ;
r SIIrYfA '` S _ '
trotlrsNe jdot { . t? Nf sid. owS i +, 1MMttant-=tltpabyf
.•?Cnedk In?sonnoe,w?rkkragt>: .;?. - :at?????1?iw.° !ar?e?' btie E
..1. I . .-. ••]'Y .;•i', i •? ! - itUt J? - ti T, ' ° Ir'7.^+r z, }. a :l '11 -l t!7 ,4 ;V
- J
d" or binr Buyers w be hftrie nor JOK crew d `tagMiNei iFtetb eopeni?io,tiei 6aniiiepJeint .<'
: dedl i FiNlUklhwpna' tot
ull lo mm
To =MK
YEN16Lb:-You %0l N*d:q pur;km,_ pow the.farm of 1m Coynl+e"l!! lOf#g. WAlW +r )A* and ib aetis
-the?'YehlcW ih 1)lis Contrlc? , :r. To
&U 7mugd wk. .. Aldo 1 *10 ~IlA ?dara Ill?k r awd.fikd i; , er d C a QM ., '•
?51?N IMEWN02I348 tdt 1?7
Nlvli R90H1FMAl $A ,LTR 'FE Tfilt
_::'NM=F>flg?rob, .,.?.pc?,,}r?. AII?er .., _. ,.. '-,•= •=Ui. u? ,. .
A.T.
AS6? M We may ndp this C Woctsnd Seautly Agreanait to a »II A Merl ndppurfr WINCh b the' • It#* BAs.
ide to a •IUbequent , Ore boor. dpo refers to auch wbp YJW esdPlo• Attar the WipMM '.,p 40k Od'bend?ts of ft. To
SoM in.Vh*nbeCtand In tlrl ca? r A eebrMplsMllAtelftto:ind to erlorcable by#e:AUiW Tl* ed wrN;no* you whM' _ ?A •
and N Seller makes ar essigmant =r' '
VALLEY' HATKiNRL"BoIWl; i tAfmer: O+i. W;*"tjwoFm-- : r t
Cb sIeNE9: Aair•o l i'ea 9i s 'lliktll i sepddldb?11?' C 1;lTd ids) 10: p)y F
IRK
al eums due anti MMM ?o lMit 4oklet•iSu"6iWer?nl pct br! ag I a tr ` q ? `:
CO.o? Any person signing the MwrWs Security Agneopat pelgWON rs a »clWL *!We IUi" e?estowmtely ,
et !?d
bgNhN with eR iao-0wnerts) and Buyeris}, tr perfom ep ildllltiCtdo In the. Slcilrlll Meo1eeeT alt >lM /thin this Coritraet ezoept !n! _:. _ .
•Pmn ue b Pay section.
TE ' The terms s ""ln t1N ftm abmre ere pars of this Codb'eeL r Woasp. apaw of mm uoq! saW
pE itb FAT:Jw Wpby. ,M0410 10l the VOW*. by *q.the Cnk.0"Apymplo d.s T?yd?e. g AMR ,1e.dt' of ihir end
ToM pliYbd to aie: Ar er eedr . ' . W
Yda tr *he p?yninMt id. M?etdoac?witlr tM MyIMMt sow*
the flrd oimo rf to ply ar ?her.ialounb which my ... " Aue .:e Mud e1 tlrk uorAiad lr le on qn pr ]W& .voy
repombM elbrrayl' fles it SeNrr or Ad/nee bim an attorney b oolert eaouals au11r' Mie Cantrict or ii P?bMd ar' 1!1 peaessfen oHM w i, Y M wnle pq?9lAr to
sent plyarlrtlt to the.W*m W ft the Aesipm.mod rocu* spefft in Me wfte slice b you
' l? do StfrXer
The A11111W be rl
?ledeedta? titlisat?rtract'e rtialeAiridT.ad net tlbcblure In
The Seller y .., tracta at# tht to
;411 D
.dryer
r> oWn a part d the f1/wwo ChuZe.
`h?inail0" 0 ' re and fi}hd lM
???l?r?
/,IP'.}1MIJa..nf1'W.WfI^..e?M•? •t?^.^'?'?.? .. f..:1G r' ei l., b?:f .f}il,.. '.
$y sig ft bd w, we tgme.to eel the Reticle to youo*r the termsaf Wb Cw*ad.. ?pTlr?,TO BUYER-D.O NOT SIGN X1118 N1 WARE
4O
ENTJttEm?) 70 VAC?'GpPY flF RIE l ml
PROTECT °a; ?•!fi ,;?;,
SECI HARRI.SBU,RG - HYUNDAI , I N
ER BUYER `• w = ? ?
-Aml f)3/.28/0 r
gY gUVFR' BEAU , x,:
• YQiJ. S$* Tlrr1S N TO,C041",t1?1. #?1 cl w > ?ir><Y=Di ?O YOIT ON /? VA" 7?E 4QC>11 1l 114,W
SIG V A, . ; f
Cl1S1N8 :•Yayihe ? aS peor¢ ) below at . r to pay tow all J .apv?kt Mlt
eta is ibi1. a . You•I?a ;H!N!lr• aA 1? ?e?t ? ; ' hnd• re?phet e? t5daa??•to
indpce m.to make 3a trarx Mrktr tJre . hroP thou weplU Pte tMij ..! Y?,' tla trsnl6t. tili ' Ih •? ode Mere
igade ri r. for ar'tba` o exercpeel onr aePUriiy ewtst YOit.YYvk o?iteet a com bf. Cohtraot '
w,. . ? P R. end, petTtgent ?H 1 (_ _ ,
ttur Date
• :. SF.At. ..
C0*191=11 8KVrW 'I"-A IY•rb6;0114m aldimitloAdei+01Yf'"!foq ibr?" , ol4ipheel ofttl OtvOCmf ?Yihkk."
ire irs•i WailtityIeli MJA tGe Veltdia•i0rrfdAeik diA iri;bee t?MtIrW ?; !1 . AlR ftlb
"PioeefilefTb'H)I'Mbtitltiin7f0eaieWivtgpwreediEi4katigdlri6esaioR1!? t!?e b ?yeMOgidEMGftMurptidus
on tW Eont> n L Yon will not be mepomiblp for any 6mft "which blight be die after mpdiipsbo and ails IM VeludClt, r ' ?? .
r:
.i .t..•r -MAN
'[9 •.. ?..-.r iii dV?,. ;,,,.
QACO-Ownery SipWlasy??e??J??u,,????iiyy?. `a` " j?,pr is IT?•.? J{ :, tye._ y(?+•a???q:; , tj `.t ,..1 1y?''
Wk
unt; 7#?7NA:'A ?`7R?`??
B 7
?•coNTRIICT AT THE Mom"
TIME w •Smae; INEtliome THEE oiSINtESmof A I. T FAT
GILL p ' M ?CIOSURES.TERM.ItND CONDITION', _ . A. ??, • < .,,, .,j:
BUYER BUYER ? 00,41Itt1ER . C4SiGNBt OR.COCMYNOM??- ' •
N1OT.}C6:8EL RE UM SIDZ FOIR WORTANT INFORMATION. .
CAgCerrM MRM M In VALC W" Oe11eML.wAre • OENat Cer?• Ceeery • ?f a r+,Met • Ce?f • CIMIrN • 2101 aaO?eRNAER iFJ1Y1C?.INC
NNB
July 29, 2008
Loan Services, Inc.
A subsi&at- q f K?11e)N@1j "'4DF OUR PLAN TO SELL PROPERTY
MICHELLE R. SPICER
25 OAK HILL DR
MIDDLETOWN PA 17057
Re: Account Number: 974-015334
Vehicle: 2007 HYUNDAI SANTE FE SE
Dear MICHELLE R. SPICER
Serial No: SNMSH13EX7H021348
We have repossessed the vehicle identified above because you broke promises in our agreement.
We will sell the vehicle at private sale sometime after August 13, 2008
The money that we get from the sale (after paying our costs) 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. As of this date, the balance due includes the following:
Unpaid Balance: 26,688.60
Accrued Interest: w490.5
Repossession Fees:
Other charges(incl. Late Fees): ?-30.2F
ESTIMATED TOTAL DUE: $ 27,229.39 (does not include interest from this date, daily storage
fees or fees rotating to the sale of collateral)
To learn the exact amount you must pay, call us at 1-888-647-6470, Ext 5653.
If you want us to explain to you in writing how we have calculated the amount that you owe us, you may call
us at 1-888-647-6470, Ext. 5653 or write us at the address below and request a written explanation. We
will charge you $25.00 for an explanation if we sent you another written explanation of the amount you owe
us within the last six (6) months.
If you need more information about the sale, call us at the number stated above, or write us at the address
below.
Please note the vehicle is being stored at:
Storage fees may accrue daily while the vehicle is awaiting sale. Personal property in the vehicle must be '
claimed within 30 days from the date of this notice, after which time we may dispose of it.
We are sending this notice to the following other people who have an interest in the vehicle or who owe
money under your agreement.
7008 0150 0000 0455 9481
CC:
Certified do Regular Mail 7008 0150 0000 0955 11481
RI-PA LETTER 747 Chestnut Ridge Road, Suite 201
Chestnut Ridge, NY 10977- 6225
Tel: (845) 426-6100 Fax: (845)426-6185 - Customer Service
Fax: (845)4266116-C 1la; ions
Toll Free -1(888) 647-6470
EXPLANATION OF CALCULATION OF DEFICIENCY
NNBLoan Services, Inc.
.4 subsidiary of FbIley National Bank
November 6, 2008
MICHELLE R. SPICER
25 OAK HILL DR
MIDDLETOWN PA 17057
RE: Account No. 974-015334
Collateral 2007 HYUNDAI SANTE FE SE Serial No. 5NMSH13EX7H021348
Dear MICHELLE R. SPICER
The vehicle referenced above was sold on 10/20/08 and a deficiency balance of S 14,134.12
exists on your account because we received less money at the sale of the vehicle than you owed to us.
We previously notified you about the sale in our letter dated 08118!04 .
The breakdown of this balance as of 11/06/08 is as follows:
Principal amount of your obligation 26,688.60
WNC CPI Premium(s) 0.00
Accrued Interest 619.15
Total amount ofyour obligation-3 27,3M.75
LESS Proceeds of Sale (12,000.M
TOTAL AMOUNT OF YOUR OBLIGATION .7
PLUS Expenses
Repossession & Storage
Motor Vehicle Fees 29.53
Auction Costs 308.50
Late and Odier Charges 50.28
LESS Other Credits
(Claim Proceeds) Insurance Crodita 0.00
Dealer Relimda (1,561.94)
(Warranty) BALANCE DUE-M,134.12
debits, credits, charges, including additional credit service charges or interest, rebates, and
expenses may affect the amount of the deficiency.
Under the terms of your contract, you are responsible for the payment of this amount. If you cannot
make full payment immediately, we, may consider a payment plan of reasonable amounts. Please call
Repossession Department at 1488-647-6470 Ext 5653 to discuss a possible arrangement, and to answer any
questions you may have. You may also write to us at the address stated below. If we have already sent you
a written explanation of the amount you owe us within the past (6) months we will charge you a $25.00 fee.
If we do not hear from you within 15 days, we may assign your account to a collection agency or attorney.
This may result in additional finance charges, legal fees and collection costs to you.
We are sending this notice to the following other people who have an interest in the vehicle or who owe
money unaw your agreement.
cc s
s
s
7008 1140 0000 7510 7562
Certified Mail! 7008 1140 0000 7510 75§47 Cbestuut Ridge Road, Suite 201
R2 Letter Chestnut Ridge, NY 10977- 6225
Tel: (845) 426-6100 Fax: (845)426-6185 -Customer Service
Fax: (843)426 116-Collecd=
Toll Free-1(888)647-6470
10090278
VNB LOAN SERVICES, INC.
Michelle R Spicer
974015334
AFFIDAVIT
I, M11R R M&HAN , being duly sworn according to law, depose and say that:
I am the agent for the Plaintiff herein and I am familiar with the files relating to this account;
2. I have personal knowledge of the facts and circumstances in connection with this case;
Plaintiff's files are maintained in the usual and ordinary course of business;
4. This action is based on a claim for breach of contract and that damages are sought as a direct
result of said breach;
5. After allowing for all offsets and credits, a balance as of March 13, 2009 remains on the subject
account having account number 974015334 in the amount of $14,134.12 plus interest accruing at the rate
of 11% from August 14, 2008 in the amount of $898.78 for a total current amount due of $15,032.90;
and
6. If called upon, affiant can testify at trial as to the facts pertaining to this matter.
The above facts are true and correct to the best of my knowledge, information and belief.
(Name of At?ant)
Sworn to and Subscribed
before me this L day
of , 2009
Notary Pub is
!?X m
Dorothy L. W EVW
WTMtY RJ9UC, Slaw of Now York
No. 01MMIT&W
Ot?*d in AodW4 O=*
?oaa?aa ftwo Oat 0. 2041
G
?i,
2009 Ni i
CIA
08.5o PQ Arty
clef I uto
P-T* a333 4o
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
FlLEDCFFICE
R Thomas Kline
OF THE
Sheriff !-4` Pty - ^r?`CT
?6tttttr of v?ulr+Grr??i0
Ronny R Anderson 1004 joy t? E
Chief Deputy 14 8: 4 3
Jody S Smith ?? CUr,r
Civil Process Sergeant ?1,1SYLVA N;?
Edward L Schorpp
Solicitor
VNB Loan Services, Inc.
Case Number
vs.
Micelle R. Spicer 2009-7778
SHERIFF'S RETURN OF SERVICE
11/17/2009 11:04 AM - Stephen Bender, Deputy Sheriff, who being duly sworn according to law, states that on
November 17, 2009 at 1104 hours, he served a true copy of the within Complaint and Notice, upon the
within named defendant, to wit: Micelle R. Spicer, by making known unto himself personally, at 1550
Williams Grove Road Lot #145 Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and
at the same time handing to him personally the said true and correct copy of the same.
SHERIFF COST: $37.00
November 18, 2009
SO ANSWER -
P
R THOMAS KLINE, SHERIFF
By LZ
De4tyherifP
(o} courtySUde Sherff, 1eleoso8. Inc.
(David (D. Buell
Prothonotary
KirkS. Sohonage, ESQ,
Solicitor
Rsnee X Simpson
15` Deputy Prothonotary
Irene E. 31orrow
2"d Deputy Prothonotary
Office of the (Prothonotary
Cumberland County, Tennsy(vania
ngm??Yg CIVIL TERM
ORDER OF TERMINATION OF COURT CASES
AND NOW THIS 30TH DAY OF OCTOBER, 2012, AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE
CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA
R.C.P. 230.2.
BY THE COURT,
DAVID D. BUELL
PROTHONOTARY
Fax (717) 240-6573