HomeMy WebLinkAbout09-8141IN 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: 09 - 8141 aiy11-FeM
ADIN L OTTO
59 FAIRFIELD ST
CARLISLE PA 17013
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: Q 7 f C d? ??"ti
ADIN L OTTO
59 FAIRFIELD ST
CARLISLE PA 17013
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 December 31, 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 ADIN L OTTO (hereinafter "Defendant") is an adult individual
residing at 59 FAIRFIELD ST CARLISLE PA 17013.
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 5424180497018769.
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
number5424180497018769, 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.
as
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 December 31, 2007.
11. The amount due and owing was $9,403.74 at the time it was received by Plaintiff.
12. Pursuant to the account agreement, any unpaid balance accrues interest at the rate
of 28.99.
13. The total amount due and owing the Plaintiff including interest, is $13,142.38.
14. Pursuant to the terms of the Agreement, Defendant is liable to Plaintiff for court
costs.
WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the
amount of $13,142.38 plus costs of suit and any other relief as the Court deems just and
appropriate.
Michael F. Ratchford, Esquire
,,-(leather K. Woodruff, Esquire
Attorney I.D. Nos.: 86285/207805
120 North Keyser Ave.
Scranton, PA 18504
mratchford@eaa-law.com
hwoodruff@eaa-law.com
Phone: 570-558-5510
Fax: 570-558-5511
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.
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. Unifund Portfolio A, L
By: gy; ,
(S afore) Signature)
:it31TT CNRISTEpSE1t, ilk
Name: "Im A-1o- Name: Henry N. Thoman
ce3o Mc 1162 ice President
(6m) 331-143.5
Title: Vice President Title:
CITIBANK CARD AGREEMENT
This Agreement and the folder containing the card are your Citibank Card
.Agreement. The `older contains important account information, including the
annual percentage rate and the amount of any membership fee. Pieasa read
and keep the folder and this Agreement for your records.
To simplify the rest of this Agreement for you, the following definitions will
apply. The vrords you, your. and yours mean the person responsible for this
Agreement, to whom we direct the billing statement. The word card means
one or more cards which we have issued with your account number. The
words we, us, and ourmean Citibank (South Dakota), N,4. The words
Citibank checks mean one or more checks that we may provide to access
your Citibank card account. This Agreement is binding on you unless you
cancel your account within '30 lays after receiving the 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 any
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 change takes effect. 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 any 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 all charges made by those
persons, including charges for which you may not have intended to be
responsible. You must notify 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 or 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 notify us to cancel your account within 30 days from
the mailing date of the bifiing statement on which the fee is billed.
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Citibank Checks:
Citibank :hecks may be used to purchase goods and serr:,es or 'c ;btair, cash
up to the amourt of your available cash aavanc° limit unless that amount ,Jill
cause the balance to exceed your credit line. We %,41 treat Citibank checks as a
cash advance and charge them against your cash advanc?'imit. Each Citiiank
check roust be in the iorm we have issued and must be used according to any : ,.
instructions we jive you. Citibank checks may be use" oniv by the person .vh6se
name is printed or, them. Citibank checks may nct ce usaij to pay any amount
ovred to us under this or any other Citibank Card •Agreernert. We wN not cerifv +
any Citibank checks, nor will we return paid Citibank check..
Returned Citibank Check Fee:
vole vvill add a S29 fee to the cash advance bal:;nce if wr decline 'c "once
Citibank check. We may decline to honor a Citibank, chec-, if. for =z. ;ar ple, the
Ji .ri- .... ..rL --? .... .....?...- .. ..- -_, ;nl? ?.ry i?rr;it .
or credit line, if you default, if you did not compiy vii;h our instructions regarding
the check, if your account has been closed. or if the card has expired.
Stop Payment Fee:
We will add a S29 fee to the cash advance balance when 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 57117 or by %. `..
calling us at the telephone number listed on the billing statement. If you call, you ;.
must confirm the call in writing within 14 days. A written; stop payment order will ;
remain in effect for six months unless renewed in writing. 7 w. '.
Once a charge is made through the use of the card or account number we
cannot "stop payment" on the charge. If there is a dispute involving a charge on _
L,r accOufrt. please refer to the section entitled "Afhat To Do If There's An Error
In Your Biil".
Lost or Stolen Cards, Account Numbers or
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if an+ card. account number or Citibank check is lost or stolen or if you think t1
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calling the telephone number shown on the billing statement or the number
c!bt :inn: ; calling toll-tree or local Directory Assistance. We may require you to
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prc-vide ceftain information in writing to help us find out what happened. Don
the card or the Citibank checks after we've been notified. even if they are found : .
or returned. You may be liable for unauthorized use of the card, but not for more
than 550. 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
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 r.
we must return because it cannot be processed, pay by automatic debit that t`•
is returned unpaid, or default on any other Citibank Card Agreement. If you
default, we may close your account and demand immediate payment of f
the full balance. If you have given us a security interest in a certificate or
deposit or a savings account, we may use the deposit amount to pay any
arnount you one.
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EDWIN A. ABRAHAMSEN
MICHAEL F. RATCHFORD
HEATHER K. WOODRUFF*
*ALSO MEMBER OF FL BAR
October 28, 2009
Cumberland County Sheriffs
1 Court House Sq.
Carlisle, PA 17013
THE LAW OFFICE OF
EDWIN A. ABRAHAMSEN & ASSOCIATES, P.C.
WWW.EAA-LAW.COM
Re: Unifund Corporation as assignee of CITIBANK SOUTH DAKOTA NA vs.
ADIN L OTTO
Our file Nos.: U09-1234
Dear Sheriff:
In regard to the above-noted matter, enclosed please find the following:
1. A true and correct copy of the Complaint;
2. The completed form for service;
3. A check for service;
4. A self-addressed return envelope for the return of service.
Please serve the named defendant in accordance with the County Rules of Civil
Procedure. If you should have any questions or concerns, please do not hesitate to call me at
(570) 558-5510.
The defendants address is : ADIN L OTTO 59 FAIRFIELD ST CARLISLE PA 17013
Thank you for your attention to this matter.
en & Ass iates, P.C.
Edw' mWoodruf
Heathef, Esqui
hwoo
druff@eaa-law.com
Enclosures
mfr/MR
1 20 NORTH KEYSER AVENUE 0 SCRANTON, PA 18504 • (P) 570.558.5510 • (F) 570.55a.5511
0
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Cc 7. ? F-it? ?'O.UC ?TAPY
2099NOV 23 PP9 1.53
fig, 5o PD A-MY
co 19W
Ri* aMoO
(David 1D. Buell
Prothonotary
Y,irkS. Sohonage, ESQ,
Soricitor
7750
l§nee X Simpson
15` Deputy Prothonotary
Irene E. 9V orrow
2"d Deputy (n othonotary
Office of the Prothonotary
Cumberfand County, Tennsy(vania
b9eg/W 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