HomeMy WebLinkAbout09-8213ARBITRATION 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
Attorneys for Plaintiff
1S) /tSy-/155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
HARRY W GREGORY
51 Sharon Rd
Enola, Pa 17025
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. CQ- $al3 CtVII l
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
Le ban demandado a usted en la corte. Si usted quiere defenderse
de estas demandas expuestas en las paginas siguientes, usted tiene
veinte (20) dias de plazo al partir de la fecha de Is demands y la
notificacion. Hace falta asentar una comparencia escrim o en
persona o can on abogado y entregar a la corte en forma escrita sus
defensas o sus objeciones a las demandas en contra de so persona.
Sea avisado que si usted no se defiende, la corte tomara medidas y
puede continuar Is demanda 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 demands.
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 ABAJO 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
(215) 789-7155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
HARRY W GREGORY
51 Sharon Rd
Enola, Pa 17025
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. 0 9 - k? I3 ?-? 7?
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, Harry W Gregory, is an individual who resides at 51 Sharon Rd
Enola, Pa 17025.
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 February 22, 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 $56964.64 at an annual percentage rate of 9.940%, in order
to purchase a certain motor vehicle, 2005 Ford F-250 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 $735.62 for a period of 72 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 January 26, 2009, 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 $14000.00, however a balance of
$11280.71 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 $411.66 and which will continue to accrue.
11. The total amount due and owing at the time of the filing of this complaint is
$11692.37.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $11692.37, well as any additional interest and costs that may accrue and such
other and further relief as this Court may deem equitable and just.
MAURIM 8414EYOLEMAN, P.C.
TNYLOR, ESQUIRE
for
Date: November 20, 2009
VERIFICATION
I, CHARLENE A. TAYLOR, ESQUIRE, verify that I am the Attorney of record for
Plaintiff, FORD MOTOR CREDIT COMPANY LLC, A DELAWARE LIMITED
LIABILITY COMPANY, and duly authorized to make this verification on its behalf; that
statements made in the foregoing Complaint are true and correct to the best of my knowledge,
information and belief.
These statements are made subject to the penalties of 18 Pa.C.S.A. §4904 relating to
unsworn falsification to authorities.
BY:
DATED: November 20, 2009
PENNSYLVANIA SIMPLE Mianm VEHICLE RETAIL NsTALLMENT CONTRACT DATE 07/77 /7(1(16
1-s00-T27-Taco &ryer IoM C.Guy.) coma an ! kkkers 1W.&V Ca.W .na eEtiEw w"OR IS.W Nu. ua Ames)
m CoGI
HARRY N GREGORY NOFFMAN FORD SALES INC
10224 JONEST ON RD 5200 JONESTONN ROAD
GRANTYILLE PAN 17028 HARRIS.... PA 17112
® CNTT:DAUPHIN
rrEMMATM OF AMOUNT FINANCED
1. Cash Prlw........__._.._._.__...._._..._.___?.___.__.... f 4'1;•2 (9
2. D- Peyitrsnl
Third Perry RaWfe Aadpmed Is SOW- ._......._...__.___S ()g
case Drwh Peyr
TndsNn 1nwT? S i. i 9w
TaW Dover P??hh7Te 09I2)
3. WipiM BNSnee of Onh Pries (1 taus 2)._..__.___._..._.f 70 (3)
Z . Addends Pant on Y. bareit (Sear bey be ndehing a Preach of bees ono nts)
To Peek OMWO.
(i) to k.- ($ 64 cn ). we (111-42-50.I, f
.gm.b.n (S------- so-), lees S
P111"lees S
(e) for tees Inot n rash Price) i - s ?r
To blrfrrPa coeperaee for.
credit Los bemnrNe (for inn of cor ace .........._........._. s _ c ?
Cndt aleeWNy Insur- p.'uennof="nwm--'----.-
YIA . i
N/A (Tema N%A m mfs)-_-_.s
(Term _ monk s)---
TooWTlt - rot M/A S NIA
T.-WTK-- ter N/A t N/A
To NN MAN FORD SALE DOC FEE f 40 ONLINE 65x00
117A $ IA
7o?Tx- for N/A f N/A
T. MTA- wr N/A $ -W _
? Your Yk i eteaMm peymem under ale lee 1 k s eWmn paymMt.
IXCE55 WEAR. USE AND MILEAGE CKARGES
crocked, awe sac on, Paragraph B, nd Pars{yaph C a
If ale rm drordy oleo e Y
ass ComarK'I apply. You may be fdrelged to ezceseive Cesar Weed upon ar etanarde
I., tarred uss. 11 you aeardee the opy web the rihid. Wok ID Seller under
Credt lit artl Credl Ol.aassy brureees ae
ar en. of the ere .. TM eedra
M
0iera y w eaewn N rWb r arernwn
yleai b you lresy.
P?QaDh S, you muq pry ale Salver Ed. NN A per mile for ooh n" in -
n ? OW
Ceemiffieban ? ?? ?o
mesa Drown on the odprMr.
or a aw sox Y deeded you mM pNrre a bM
EKTf1A YlLEAOE OPTION CRteOR ,...leer weer. hedeee d ass o..w Y
d Uwe taped nonWro s Wean poyr em (w r4oded Whew). W you Ire ogiwW cod a red rseww .can redo The
rr river
e a..e
?
-deed you Option W W the vehkla b lea S.W under P.MnPh B. awe ~"
Add-
W YYdrd Adereun Mid, 4
- ad teeth F
Paragraph WOO, b yovjfff ed. At ae im edaed and of aes cdrad• You We
?eMr Me
pr
rosin a mdil.d sd. ?
wuaad mil "r" ken her a un eed MISS ureem wdw YMbm mtlW aearA
n
e a A
e.r..tadn e
s Fa
tl
between _/A and
NSA miles. lees try wmnts You .
mo
leiw
u
ves under he oenaxt. You we red enure try Cedes H Ire Vawds a dermVed, Ihk
aonvied ands esrly, or you are m deleun. You we not reosh a ar y crime H her credit Y Bu-
Tae tlrn $1.00. Sipe 11 "uruuve w
NON4A=FICATION DISCLOSURE
d n wrierlp .M aiDhed M Tau an0 M Stir.
YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THE ARBITRATION PROVISION ON
THE REVERSE SIDE OF THIS CONTRACT.
7M Annual Pacsrdsae RsY fury be needed" With the Seaw. 7M SO* may design this contrast and may risen
its right le rscalve • por.on of the Finance Cheryl.
NOTICE TO BUYER
Do~ not sign this contract In bUML You are entitled to an exact copy of the Contract &W you sign.
Kelp it to protect your legal rlghts.
x
el v SW- super
Buyer (and Co-Buyer) acknowledge tmat (l) befom ale Mn this conbsct, Buyer (and Co-Buyer)
received and reviewed a true and completely "led n copy Of 1Me contract and (U) at the time of
skfMnB this contract, Buyer (and CO-Buyer) received a true and completely filled In copy of this
contract.
e y COB Br IE
eqn/ E ,y
t>? FFMAN FORD SALES INC n, TMs/J.?
THIS CONTRACT M NOT VALID URNS. You AND S GN IT
r .,rme .meet
seer, pry t ... W sus °°"Ir?BRS DI r 11T then here .11 bear. fth% PI• lesee, ar rwedw. er a.P-v Y+ew. eve
rerwr.ab rAawor..').
eor -.W. mere
4it!TMScflIM!!r!stFe ow .wow, e.s . « wen cow waew a
HOFFMAN FORD SALES INC
gAPwParW O Apnowee+i
O cmm?.al
INSURANCE
YOU ARE REQUIRED TO NSURE THE
VEHICLE. YOU MAY OBTAIN VEHICLE
NSURANCE FROM A PERSON OF
YOUR CHOICE.
UABILIrY INSURANCE COVERAGE
FOR ODDLY N,RURY AND PROPERTY
DAMAGE CAUSED TO OTHERS IS NOT
NICWDED.
CREDIT LIFE, CREDIT DISAta1.ITY AND
OTHER OPTIONAL INSURANCE ARE
CREDIT
NOT REOIRRED TO OBTAIN
AND WILL NOT BE PROVIDED UNLESS
YOU SIGN AND AGREE TO PAY THE
PREMRm.
Credit
O Lme
.rance Conperry
S Premiu5t NmureMa)
You want Credit Life Msunrca.
Buyer Signs
Co-Buyer Signs
crew
?DMWMityI rarroa Company
I Y/1
Premium insw"$)
You ward CreEN Disability Ineumce.
Buyer Signs
Co-Buyer Sign
OTHER OPTIONAL INSURANCE
Cannge red P.,A,. end
InN11rDe Comwriv Term n Iforbe
N/A IS MIA
W NIA N/A
a/A E
Wen d;.a
You wnm the op*xW farmer for which
pmarbana re irrduded ebove.
Buyer Son
Co-&iYer SiPa
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NOTICE - ANY HOLDER OF THIS CONSUMER CREDR
CO mCT E SUBJECT TO ALL CLAMS AID
DEFENSES WHICH THE DEBTOR COULD ASSERT
AOANMT THE SBL.LEI OF GOODS Oat SMVIMS
DBTAEED PURSUANT TERM OR WITH THE
PROCEEDS HEBREW. RECOVERY HERESDER SY
THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID
BY THIS DEBTOR HEREUNDER:
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sc 1ypr99aC 1'remaco
"'PRN"'
Ford Motor Credit Company
P.O. Box 17948
GREENVILLE, SC 29606-8948
(877) 805-7187
PGSF4500200034
HARRY W. GREGORY
51 SHARON RD
ENOLA PA 17025
Date of Repossession 05-25-2009
Date of Notice
05-28-2009 Date of Contract
02-22-2006
Account Number: 040290638
Buyer HARRY W. GREGORY
Cobuyer
DESCRIPTION OF PROPERTY
Year
2005 Make
FORD ?x New
? Used
Vehicle Identification Number:
IFTSX21545EB24910
Model
F250 Body
4X4
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because you broke promises In our agreement.
T
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 safe Piece of Sale
You may attend the sale and bring bidders if you want.
NOTICE OF REPOSSESSION
The property is presently stored at: MANHEIM AUTO AUCTION
1190 LANCASTER RD
The money that we get from the sale (after paying our costs, MANHEIM PA
including reasonable attorney's fees and legal expenses if
permitted by law) will reduce the amount you owe. If we get HOW TO GET YOUR PROPERTY BACK
h
k
less money than you owe, you will still owe us the difference. If To get your property hack, pay us this am ec
or
ount by certified c
we get more money than you owe, you will get the extra money, money order before the vehicle is soli,
unless we must pay it to someone else. Unpaid Balance $ 24,896.40
Plus Costs: Repo Expenses $ 220.00
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 Plus Late Charges $ 14.31
Property Back for an itemization of amount owing. To learn the
r
e Rebate
Fi
Ch
L
$
exact amount you must pay, call us at the telephone number a
g
nance
ess
above. Less Insurance Premium Rebate $
If you need more information about the sale call us at the
telephone number above, or write us at the address above.
If you want us to explain to you in writing how we have figured
the amount that you owe us, you may call us at the telephone
number above, or write us at the address above and request a
written explanation.
We are sending this notice to the following people who have an 1
interest in the property described above or who owe money under
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.
TOTAL $ 25,130.71
(Plus expenses incurred if default at the time of repossession exceeded
15 days and less rebate received after the date of this notice.)
Your property won't be sold until 15 days after the date of this notice at
the EARLIEST. After that you can still get It back any time before it's
actually sold.
If you do, we'll have no further claim on it. But the longer you wad, the
more costs (including repairs) you may have to pay.
If you have any questions abort this, please call us.
? 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 t to the dealerloriginal creditor.
? PERSONAL PROPERTY: Any personal property found in the vehicle may be reclaimed by you within the next 60 days or, in accordance with state law, by
contacting this office. Thereafter, the personal property shall be disposed of accordingly.
? Creditor has assigned to is qualified intermediary (OI 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 dealedoriginal creditor to make sure that any insurance
has been cancelled. You have a right to get credit for all premium refunds.
NINA I. FORBES-I(AMAU
FFNA 11988-37 Jan 02 Previous eddions may NOT ce used. CUSTOMER/CUSTOMER FILE
Pnnwd m U.S.A.
Ford Motor Credit Company
P.O. Boot 17948
GREENVILLE, SC 29606.8948
(877) 805-7167
POSF4500200034
HARRY W. GREGORY
51 SHARON RD
ENOLA PA 17025
IIIIIIIII11111111111111111111111111111111111111111111111111111
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Date Produced: 06/29/2009
FORD MOTOR CREDIT COMPANY
The following is the delivery information for Certified MaiITM item number 7190 0640 0010
0121 2532. Our records indicate that this item was delivered on 06/22/2009 at 07:03 a.m. in
GREENVILLE, SC, 29606. The scanned image of the recipient information is provided below.
Signature of Recipient: re
Address of Recipient:
Thank you for selecting the Postal Service for your mailing needs. If you require additional
assistance, please contact your local post office or Postal Service representitive.
Sincerely,
United States Postal Service
The customer reference number shown below is not validated or endorsed by the United
States Postal Service. It is solely for customer use.
Customer Reference Number: OSF100000000320
Ford Motor Credit Company
P O BOX 17948
GREENVILLE SC 29606-7948
• 877 8057187
DATE: 2009-07-08
POTK8000100042
HARRY W. GREGORY
51 SHARON RD
ENOLA PA 17025
STATEMENT OF SALE
Account Number: 040290638
The following property has been sold.
Year Make Model
Vehicle Identification Number:
2005 FORD F250 1 FTSX21545EB2491 0
Balance owing on your contract (1) $ 24,910.71
Deduct: Finance Charge Rebate (2) $ 0.00
Balance less Finance Charge Rebate (1 - 2) (3) $ 24,910.71
Deduct: gross proceeds of the sale (4) $ 14,000.00
Balance less gross proceeds of the sale (3 - 4) (5) $ 10,910.71
Add: Expenses of retaking and storing, and (6) $ 370.00
any attorneys' fees allowed by law, and
expenses of reconditioning and selling.
(7) $ 0.00
Deduct: Insurance Premium Rebate
(8) $ 0.00
Other:
(9) $ 11280.71
Deficiency**
(10) $ N/A
Surplus*
The Surplus/Deficiency will change based on monies received by us (credits) or addition al 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 additional information call or write: Mail 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
FFNA11990 01104 Previous editions may NOT be used.
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