HomeMy WebLinkAbout10-0347MAURICE & NEEDLEMAN, P.C.
BY: Joann Needleman, Esq.
Identification No. 74276
k'g,k5rlene 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.
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Attorneys for Plaintiff - , il
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15) 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. 10 - 34q l?iV ? t Term
Plaintiff,
V.
ROBERT BONSALL
671 Willow Grove Rd
Carlisle, Pa 17015
Defendant(s).
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.
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 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 continuar la demands en contra suya sin previo aviso o
notificacion. Adernas, Is 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.
LLEVE ESTA DEMANDA A UN ABOGADOIMMEDIATAMENTE.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO
IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA
GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION
FIND OUT WHERE YOU CAN GET LEGAL HELP. 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 n ,oC. OO P Q ATTY
(717) 249-3166 ?l
a.3(?ay7
CIVIL ACTION COMPLAINT
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) /89--/ 155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
ROBERT BONSALL
671 Willow Grove Rd
Carlisle, Pa 17015
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. )O , 3 17 c ??-
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 Bonsall, is an individual who resides at 671 Willow Grove Rd
Carlisle, Pa 17015.
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.
COUNTI
BREACH OF CONTRACT
2004 FORD TAURUS
4. Paragraphs one through 3 are incorporated as though fully set forth herein.
5. On or about March 15, 2005, 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 $25549.40 at an annual percentage rate of 11.300%, in
order to purchase a certain motor vehicle, 2004 Ford Taurus more particularly described in the
Contract (hereinafter referred to as the "Vehicle"). A copy of the Contract is attached and
marked as Exhibit A.
6. Pursuant to the Contract, Defendant(s) was required to make monthly payments in
the amount of $392.49 for a period of 60 months until the loan was paid in full all as is more
fully set forth in the Contract.
7. Defendant(s) made monthly payments until March 6, 2009, but has failed to make
any further payments thereafter, and are therefore in default of the Contract.
8. 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.
9. 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 $250.00, however a balance of
$7702.30 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.
10. 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.
11. In addition to the foregoing, there is interest due and owing on the deficiency
balance which at this time amounts to $317.14 and which will continue to accrue.
12. The total amount due and owing at the time of the filing of this complaint is
$8019.44.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $8019.44, well as any additional interest and costs that may accrue and such other
and further relief as this Court may deem equitable and just.
COUNT II
BREACH OF CONTRACT
2004 FORD EXPEDITION
13. Paragraphs one through twelve are incorporated as though fully set forth herein.
14. On or about December 27, 2005, 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 $39199.20, at an annual percentage rate of 10.890%, in
order to purchase a certain motor vehicle, a 2004 Ford Expedition, more particularly described in
the Contract (hereinafter referred to as the "Vehicle"). A copy of the Contract is attached and
marked as Exhibit D.
15. Pursuant to the Contract, Defendant(s) was required to make monthly payments in
the amount of $512.49 for a period of 72 months until the loan was paid in full all as is more
fully set forth in the Contract.
16. Defendant(s) made payments until June 12, 2008, but has failed to make any
further payments thereafter, and are therefore in default of the Contract.
17. As a result of the default by Defendant(s), and pursuant to the terms of the
Contract, all balances due on the Contract are subject to finance charges in the amount of
10.890% until such time that the balance is paid in full.
18. By reason of the default, the Defendant(s) is indebted to Plaintiff for the balance
of $1153.30.
19. In addition to the foregoing, there is due from the Defendant(s) interest in the
amount of $80.52.
20. The total amount due and owing is $1233.82.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $1233.82 as well as additional interest that may accrue and such other and further
relief as this Court may deem equitable and just.
MAURIC11* 10-4pEMAN, P.C.
TA)YLOR, ESQUIRE
Date: January 8, 2010
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: January 8, 2010
IENNSYLVANIA SIMPLE INTEREST VEHICLE RETAIL NRSTALMENT CONTRACT DATE 03/16105
Suyer (w Co-Buys,), Marro end Aeemse (ulaudiny Cwrry w 7'p Coe.) CREDITOR (SeWr Nasty eW Ads.e.) #A115
ROBERT V BONSALL JR SUTLIFF CAPITAL FORD 21 U SIODONSBURG RD MAR 17 2005 1000 PAXTON ST PO BOX 1737
DILLSBURG PA 17019-951 ` p
HARRISBURG PA 17105 ? pp
Yoer Suyw Ire Coesyr,prj?vybuynr:,:lardrrrw eNw Nr eeM ell an sea nr•eer rrw'rarrowrun aer P.-so-se,gede ewiet4 y-.h-mbryrae01WwrePerereerrbrlrM brbafiemnYrf.
PweuW ? Apdraurl
USED 04 FORD TAURUS NIA 1FAFP56U146102988 p? rd,.,,.m,l
INSURANCE
Tm,, 87FORD ESCORT s 2000,00s N /A
yes, w Mel. Grass Aeaaree A."" 0r+9 YOU KAY OBTAIN VEHICLE INSURANCE
ITEMIZATION OF AMOUNT FINANCED FROM A PERSON OF YOUR CHOICE.
1, Cash Pnce..__....._._.....__...__.._.._.._._. 16296.00
2. Down Payment
Third pPaorwty? Rebels Assigned to Creditor--------- -.___. N/A
S- IA
?06
Triads-In I? """ -- -b DOO7O0....- s •"'----" lF/A $
wrwlrrb oar Ayr.wr Araw owe
Tow Dom psymem_._........_....__.__...__.__....»._.___.. S 2000.00 (2)
(s)
9. UnPaW aelertce of Cash Pros (1 miters 2)...... _._._...._._.__».. $Tw
4. Antoufs pail on your bahal (Seller may be ratM his a Wd0n of Ilea Naounle)
To Insuranco Companies for $ N/A
Credit LIh Insurance (for torn of $ N/A
Credit Disc Nky Insurance (tor term or N/A
[Ton Ju1rdM (Eatimew $
To Pubhc O Hotels (i) Tor Roarer M-4-00 J, this (a2'--50 ). e
,wietrawn (S, ¦fJL ) tea $-.38..54-
(i) far filing Ices 6.00
(ili) for taxes (not in Cash Price) $1005.36 $ 1036.86
To --6UT&469-GAP4TA1w MWOM 0% EE 66.0'
To?C9'F T 2- 'L
CON - $ %3.80
'to FOND GAII --Mr GAR INC S
TD -for S?
Total
_,,.....__.»._._._.__.___._._.__.___.__.__...__.»._m__ S 3663-66(4)
FEDERAL TRUT"-LENDNG DISCLOSURES
ANNUAL FINANCE Amount To"I of Told Sels
PERCENTAGE CHARGE FInartwd F4ymanb Prim
RATE
The CDat of your
Crean r a ve" ter The dower won
r wed, a
0m you The roan a
clsN porgy w
b half
yw Tir ameim
you will h-
hmr meet r Tr bw w
of your pu heas r
Wudit yDryour
paymrts a $?4-
Paynrm seladele Number of Asian el Each am Papas
? Paym nb Payewm es dus
Your psymerd Khoo* 69 $ ?N j, Ig (f r BWA)
TA be: 1 alsl $ra9 Io au' OI9ML,__
13
Prepayment If you M oft your d@M seey, you we not have to pay a perehy.
Lets, PaWages lC You dour pay a IW chrge w Dr poser of aeeh payment nlaiwd more
bn 10 Nye We. The aWiN Is 2 proem or Vie We amount r $50-00 whklwwr b lase.
Security herest You N Slit a saaety In neat in On vNdde bate pumlrees.
Cwmct PASm tD hase re Npeyrrm o your cam h iii ass filleldres ODrmest for addtl0rnst Ydrrrolbn m amely lelanar, no::Mwd
defat4lb belOre r eawdubd Ito, rd
'jo It nadoer yeuroawea nbahrsmu, reamer bas r reNdr null you all b e trip urreiear.L
r era r doh pea w gmee pu r r vefeea w maw r prose meow yon v. vehicle.
NON-MODIF ICATION DISCLOSURE
Arty anr=. be r dlenp ON by you w r Clsawr.
y Z_/? :X
YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE HOUND
BY THE ARBITRATION PROVISION ON THE REVERSE SIDE OF THIS
CONTRACT.
NOTICE TO BUYER
Do not sign this contract in blank.
You we entitled to an social copy of the contract you sign.
Keep R to protect your *0 rights.
cBuyer (and Co-Buyer) admowedge that (1) before aaloniirm this a Um
d In copy or this contract v abnd reviewed
(11) at the
and Iph" y gand o- y
time of ei nln this eontraet, Buyer (and Co8uysr) rsDaT
• n* an completely 11 n co" Of this contract.
?11 C X
ears view
w aprla baew, Nr err aeeepr elr scram. It m~ Aaslpm io aseled Ma sepwre
•e ft-.m eared b awe contrast. on aelW er?pa II IgJad Yrer Cndll cowwm.
w rwra.u r n+.w.as..p r rtn sea MP[ !pn eOrRrwuL 0.rIW>raNra
PA
YOU ARE NOT REQUIRED TO OBTi
CREDIT LIFE, CREDIT DISABILITY A
OTHER OPTIONAL INSURANCE. TI
CONTRACT WILL NOT INCLUDE TH
UNLESS YOU SIGN AND AGREE TO F
THE PREMIUM.
THIS CONTRACT DOES NOT INCLU
LIABILITY INSURANCE COVERAGE F
BODILY INJURY AND PROPEF
DAMAGE CAUSED TO OTHERS.
? Credit tAe
Insurer
$ N/A
Premium Insurad(s)
Signature
Credit
? Disability Answer
$ N/A
Premium Insureds
Signature
Other Optional Insurance Term
$
Insurer Premium
Crash Lee end creet Dleabay brwwe m
eenaiM anmmt eM
I. r tom a r Na
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Program No.
GUESTIONST
II
PLEASE CALL US AT 1-x O-727-7000
W
VIM us at wwwforderedll.cu111
easel
ORIGINAL
Ford Motor Credit Company Preferred Payment Plan Enrolinh rt Authortzatlon
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NOTICE - ANY HOLDER OF THIS COMBER CREDIT
CONTRACT E SUBJECT TO ALL CLARE AND
DEFENSES WHPON THE DEBTOR COULD ASSERT
AGAINST THE SELLER OF 00006 OR SERVICES
ONITANED PURSUANT N IRSTO OR WITN THE
PROCEEDS Now". RSCOVNty HEREUNDER BY
THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY
THE DEBTOR HEREUNDER.
Used Molar • WUyat =' IF you are bnykup a used
vdMCa wBm tnls contract, Ie I wgd@Uwm may mq*e a
WwW Buymw Odds to M dopkqed an ft whebw d ab
velMeN THE WORYATION YOU SEE ON THE
WIDOW FORM FOR THW VSIBCL! 0 PART OF
TNIG CONTRACT RIPOIMIATION ON THE WINDOW
FORM OVERRIOU ANY CONTRARY PROVEiRM
I THE CONTRACT OF BALE. i
To cause the Below to ua Ow velddo diwbd an tw front of ate a0M10d b M Buyer. On VWX sash fwwon who dpw Oalaw a•
a _ Wranbas M 12) maemt d ft bonbadL Tw awn so a M Boyar lab b pay any money tut b oWd an tole
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Ford Motor Credit Company
P.O. Box 17948
GREENVILLE, SC 296068948
(877)805.7187
POS3CB0020D022
ROBERT E. BONSALL JR
671 WILLOW GROVE RD
CARLISLE PA 17015
Date of Repossession D5-13-2009
Date of Notice
05-15-2009 Date of Contract
103-15-2005
Account Number: 038715649
Buyer ROBERT E. BONSALL JR
Cobuyer
DESCRIPTION OF PROPERTY
Year
2004 Make
FORD New
Used
Vehicle Identification Number:
1FAFPS5U14G102988
Model
TAURS Body
SEDAN
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because you broke promises in our agreement.
T'
0 PRIVATE SALE: We will sell the property described ? PUBLIC SALE: We will sell the property described above at pudic
above at private sale sometime after 15 days from the sale to the highest bidder an 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 Tmre of Sale Place of Sale
You may attend the sale and !ring 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 AUCTON 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 $ 7,621.06
Plus Costs: Repo Expenses $
$
$
Plus Late Charges $ 47.09
Less Finance Charge Rebate $
Less Insurance Premium Rebate $
TOTAL $ 7,666.15
If you want us to explain to you in writing how we have figured (Plus expenses incurred if default at the time of repossession exceeded
15 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 sad urdil 15 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 it back any time before irs
written explanation. actually sold.
If you do, we'll have no further claim on ft. 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 ft 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 state law, by
contacting this office. Thereafter, the personal property shall be disposed of accordingly.
? Creditor has assigned to its 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 trick, call the insurance company or the dealer/odginal creditor to make sure that any insurance
has been cancelled. You have a right to get credit for all premium refunds.
VERONICA D. NOGUERA
FFNA 11998-37 Jan 02 Previous ed1bons may NOT be used. CUSTOMER/CUSTOMER FILE
Pnnt&d in US A,
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Ford Motor Credit Company
P O BOX 17948
GRE,ENVILLE SC 29606-7948
877 8057187
DATE: 2009-06-17
POSZIC=100026
ROBERT E. BONSALL
671 WILLOW GROVE RD
CARLISLE PA 17015
STATEMENT OF SALE
Account Number: 038715649
The following property has been sold.
Year Make Model
2004 FORD TAURS
Balance owing on your contract
Vehicle Identification Number:
1FAFP55U14G102988
(1) $ 7,668.15
Deduct: Finance Charge Rebate (2) $ 0.00
Balance less Finance Charge Rebate (1 - 2) (3) $ 7.668 15
Deduct: gross proceeds of the sale (4) $ 250.00
Balance less gross proceeds of the sale (3 - 4) (5) $ 7,418.15
Add: Expenses of retaking and storing, and (6) $ 342.50
any attorneys' fees allowed by law, and
expenses of reconditioning and selling.
Deduct: Insurance Premium Rebate (7) $ 0.00
Other: (8) $ 58.35
Deficiency** (9) $ 7702.30
Surplus* (10) $ N/A
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 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.
PENNSYLVANIA SIMPLE NITEREST VEHICLE RETAILIN9TALLMENT 86%*kAjJ476 DATE ---- -- it
1.500-727.7880- m 1s'o Oneura) Nmw and Aedws Iwslwrq Cary ae OEUSSexuNaR (BMW #4- sAd Add,-)
f ROBERT ppE BONSALLL JR SUTLIFF CAPITAL FORD
PLLSBURGOPAB17019D HARRISBURG, PR PO BOX 11106
? m DEC 2 82809.
ar ,.
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2001 ? 8gae,rl 0 APNxeYaal
rMp'll A, 14,67264 Om -fir
ITEMIZATION OF AMOUNT FINANCED VOLMANCE
YOU ARE REOtW&D TO OMM THE
t. Ch Prig SSA) VEHICLE YOU MAY OBTAIN VORCLE
.-__.
2.0er- Peyrrrrt
NISURANCE FROM A PERSON OF
Third Party R.h.a Aeelgll.e m eeew.?_-____._.3 A YOUR CHOICE.
C.Sh Dorn P-yoerR---__..___?___._-?.__.i 00 LIABILITY NWRANCE COVERAGE
Tfeeeln?f i ?_ OO FOR
BODI
PROPERTY
LLY PLIU Y AND
E
O
OTHERS
DAMA CAUSED TO 19 NOT
ToW Domr INCLUDED.
3. IM"Id Belnbr at CAM Price IT n*m 2)'_--_.f CREDIT LIFE, CREDIT MSAMLITY AND
a. A-round Feld en your b.hell (Seer Try ha rMW r p • Poreor of err OTHER OPTIONAL INSURANCE ARE
T. Punk Oeddls NOT FIEGUFM TO OBTAIN CREDIT
(I) br keme If ?wny."A' IS AND WILL NOT BE PROVIDED UNLESS
'Soma" (f Y/A few SA YOU SIGN AND AGREE TO PAY THE
(N) NX Ming fees f C no PREMIUM.
(a) to am (nol In Cesh Price) S EA S - 1 C"I ll t
To Ins sat r Dmpp.plr for. o UIe
Cmeit LRa hra.rNe (for arm a MIA 1Munurce Company
credit a' hS- aeur.nr (m a m w -onY-C ).._._._._._.... s_ A S
/A (Term Y/AM0n#re).-__..3 --WA Pram-- I
IrILTFFTAFFTAU-JW /A (T? A AamNe).___..a ssKo0 You ward Credit Ufa Insurance.
T. wt rtt
To for 600.00
9
-
-
TO
ESPtor
'n7TUrCXRE
- SERVICE Tf 1736.00 Buyer Signs
ToforS II/A
To for S III
To for s R/A Co-Buyer Signs
TotaL_.__._.,_.___.__.__._....____..______. _._.S 2323. ri) _
S. Ammmt Rrrnrd (3 plus q._.__......____.__._._____..__.._.... S 26891.9A) O Dlestoll
• FEDERAL TRUT"4N4 HIDING OISCLOBURES I /A Insurance Condom
ANNUAL FINANCE Amount Taal of Total Sale Premium ineurtl(s)
PERCENTAGE CHARGE Financed Payments Price You went Credit Ddabdity, lrrurarrce.
RATE Tna der ram TOr mEa- a TOr.rnpwa TOr raa mr
Tr- a sur ft-ow r ° a-aMw Tai all lrv- a your Par,/rae
-s ewer per wnmw rated,
rr ay.sy ram maw yar Srrun ?a? aMaNa.OOr?a+ryar Sayer Signs
rY^w^f° as 2300.
10-89 % $ 10008.01 S 26891.2 36899.2 39199.
Co-Buyer Big-
in
~ OTHER OPTIONAL S/MSfU1NCE
Pwr..w a Dra
0
O O ?ArrW Coverage .M Prnwnace
own, ir-rmm ca.?m, Tsrm M -loner
S Y/
MIA I
Sy 11 /
PrepyeMnC H w rY r ya- daa why, w M noI Ore b ry • perry, f N/
e-e-raY Irrrs-k You -r.drNe • -an-Iry Myna M M M-I- eaMY puru-d.
lea Peeraar-: You mrr Ow - YY mrq eat pear a rcn p-ynrrr- rr?M-rave Man 10
ee- YIE Tlr rmYS.2A paorq r ors W enasn. Rl'
CredmC Plats ar er contract k- -ddebr MbmWbn r sees-y InwrL m?wt V-u waN IM ogior,el iraOrenp r rhich
aawraw- neura raryrnam a yw awi M tor penay.
fie arbr d" aardYw -M premlunr -r YrchrtleU ab-ye.
If you do not Meet your conbacl obligations, you may lose your vehicle
your . as well
as b pans and (pods put an your vehicle and money or goods receivetl for r
BALLOON CONTRACT PROVISONE
? your We ""E'sml P.Yrrrm Urdu rise COnhaN is ¦ De om peym.nl. C- Buys, Sign.
if me ft b boxNEAR.di USE AND LEASE CNAROEe Ores Ls, eM credit DWsaa Nruw-r -r
If e-Nrn rr
malt' oboe Is Oh.ceed, ties aeoeon, Paragraph a, ant ParaPeph C W w a m a Wr smut T.
of
and Corn apply. you ley be chagdd for axorrva err hosed upr our r.rrwrds -Yr a a4rn N wd- -p-
I. _d ur. M you ...d- the :in= e badr m 9-X-r uMw SN-n m yw 1etlry'
Parapr.ph 8 ypu rwt wt' dal SMdr yer mw M.wr mw m saps
a N Shown M the Odmrrar. Dow sese. OWAss Iow..q
tDOnAYlE1OE OPTION CRlSIT n wit ha Y yw at Pe-
rnrrear saw. Purerr a ed L=mwgs h
°pe°W -n- is rim ngane n abd'n o-eN. TOr
.ph cm .pear mrdaMe to a heYOOn PeymNm (w NrEIwW show), and you lrw
ado ranw raaadBauaer rear-ererm.awr
pd your Open is Om en vel.pls b tM Si. .ph
,-Mr iaypl, -
you oa-Teti. Al m. wrdred act a mid rrpq Pewegrratt reou. N w bra N eE award Adds, w
r61 N-ap-erw Nat as,-mN.a. mope drSr era
?- a aetls Of f0. Per unused mi. Sou sr _bw of losers mi. rrrerer rrrdr N.mrmrowra Maw
b-hvwn ant mate, We _y wrounls You Irruwtlon a Amax- Farrud nresr aaenprr ?.
Owe UMW this awrrl. You we not mobs any credit s ft Vehida I. MsYoyw. tlY.
oa-r-et EMS :"Y a you er in tlNeW. YW wIN Ilol _.we my coeds R Ur Cfwd b B?r?
Nrs men S1.OSiOnF
NOIFMODIRCAT" DISCLOSURE.
AIVarnp.Mw rM -ro gweMn-Swr.
Super ?grn,er X
Sir,
YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE SOUND BY THE ARBITRATION PROVISION ON
THE REVERSE SIDE OF THIS CONTRACT.
The An"M Paroaeegs Rob may be negotiated with ar BMW. The S-W may assign this earnaet and may retain
he right to receive a POMOR Of the Rnance Chwge.
NOTICE TO BUYER
Do not sign - GO Ith no in blank You are entitled to an exact copy of the contract that you sign.
Keep It to protect your loot rights.
Lkwx C ? Co X
Buyer (and Co-Buyer) acknowledge that (1) baton, stanlna this Dorwtract, Buy- (and C.o-Swtyar)
=h end reviewed a true and completely tilled In copy of this contract and (II) at the tlme of
is CorNrectr Buyer (and Co-Buyor) received a true end comp&*Wy filled In
contract.
ftwx ?J ads- rX
SUTLIFF CAPITAL FORD s
X A--
err
y
Ttr
THIS CONTRACT IS NOT VAUD UNTIL YOU AND SELLER SKIN R.
ASSKWMENT
err.
srrr--. Pnw .rdr tide aanNwb?a . IDraaasSatemm N-.. En away rdd-. M+ewe-r. ak r-a.ad.. w apuq Naar. w.
as, eamrlb 1.IltUtl l.U (•Awipw•1.
-im-forca °.co m-u a. rN - - - , -. .an -rr r.err a
eaAa SUTLIFF CAPITAL FORD n, X Q\t7
SEE OTHER ON FOR ADDnICNAL AGREEMENTS
ORIGINAL
FCUS
Ford Credit
P.O. Box 1794,8
Greenville, SC .29606-8948
JULY 29, 2009
ROBERT E BONSALL JR
671 WILLOW GROVE RD
CARLISLE, PA 17015
ACCOUNT NUMBER: 00000040023940
YEAR: 2004 MAKE: FORD MODEL: EXPEDT
VIN: 1FMPU16L34LB73540
DEAR CUSTOMER:
BELOW IS THE ITEMIZED HISTORY OF YOUR ACCOUNT BEGINNING WITH THE CONTRACT DATE
OF 12/27/05 AND REFLECTING ACTIVITY THROUGH 07/29/09.
r#}?*+.r}+++**t+r}}}*s+*++}r}aa**a+**r*+a*+r+i.+rarrr+r.+:*#rrrar##} *.r*a**+}}.+ }.*+++r
CURRENT ACCOUNT STATUS
NUM LATE LATE OTHER OTHER
CURR PMTS CURRENT CHARGES CHARGES FEES FEES
RATE DUE DATE REM BALANCE AMT DUE -ASSESSED DUE ASSESSED DUE
10.89 .12319999 0 0-.00 0.00 122.99 0.00 10.24 0.00
INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION - --------- PRINCIPAL
DUE DATE DATE LATE AMOUNT PRINCIPAL INTEREST
-------------- - ------------------------- FEES BALANCE
-------- ---------------
12/27/05 24651.24 CONTRACT AMOUNT --------- ------
26891.24
02/20/06 10.25 FEE ASSESSMENT 26891.24
02/10/06 03/01/06 19 522.74 0.00 512.49 10.25 26891.24
03/20/06 10.25 FEE ASSESSMENT 26891.24
03/10/06 03/29/06 19 1035.23 799.34 225.64 10.25 26091.90
05/22/06 10.25 FEE ASSESSMENT 26091.90
05/10/06 06106106 27 1024.98 487.84 537.14 0.00 25604.06
07/10/06 07/03/06 0 522.74 306.23 206.26 10.25 25297.83
08/21/06 10.25 FEE ASSESSMENT 25297.83
ACCOUNT NUMBER: 00000040023940
FCUS
JULY 29, 2009
ROBERT E BONSALL JR
671 WILLOW GROVE RD
CARLISLE, PA 17015
INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION ---------- PRINCIPAL
DUE DATE DATE LATE AMOUNT PRINCIPAL I NTEREST FEES BALANCE
---------
08/10/06 -----------
09/01/06 ---
22 -------------
522.74 ---------------
59.63 -------------
452.86 -----------
10.25 -----
25238.20
09/20/06 10.25 FEE ASSESSMENT 25238.20
09/10/06 10/02/06 22 1035.23 791.55 233.43 10.25 24446.65
11/20/06 10.25 FEE ASSESSMENT 24446.65
11/10/06 12/05/06 25 522.49 45.69 466.80 10.00 24400.96
12/20/06 10.25 FEE ASSESSMENT 24400.96
12/10/06 01/03/07 24 1035.48 813.85 211.13 10.50 23587.11
02/10/07 01/30/07 0 512.49 322.48 190.01 0.00 23264.63
03/20/07 10.25 FEE ASSESSMENT -23254.63
03/10/07 03/28/07 18 1035.23 629.34 395.64 10.25 22635.29
05/21/07 10.25 FEE ASSESSMENT 22635.29
05/10/07 05/31/07 21 523.00 80.53 432.22 50.25 22554.76
06/20/07 10.24 FEE ASSESSMENT 22554.76
06/10/07 06/27/07 17 1034.96 843.03 181.69 10.24 21711.73
08/20/07 10.25 FEE ASSESSMENT 21711.73
09/07/07 19841.42 PRINCIPAL PAYMENT 1870.31
09/07/07 19841.42- PRINCIPAL PAYMENT REVERSAL 21711.73
09/18/07 EXTENSION 21711.73
09/18/07 10.24 FEE ASSESSMENT 21711.73
10/10/07 09/28/07 0 532.98 0.00. 512.49 20.49 21711.73
11/20/07 10.25 FEE ASSESSMENT 21711.73
ACCOUNT NUMBER: 00000040023940
FCUS
JULY 29, 2009
ROBERT E BONSALL JR
671 WILLOW GROVE RD
CARLISLE, PA 17015
INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION ---------- PRINCIPAL
DUE DATE
-------- DATE LATE
--------------- AMOUNT
------------ PRINCIPAL INTEREST FEES BALANCE
11/10/07
11/27/07 17
522.74 ----------------------- -----
33.87 478.62 -- --------
10.25 ----
21677.86
12/09/07 19841.42 PRINCIPAL PAYMENT 1836.44
12/09/07 19841.42- PRINCIPAL PAYMENT REVERSAL 21677.86
12/09/07 753.18 PRINCIPAL PAYMENT 20924.68
12/09/07 19841.42 PRINCIPAL PAYMENT 1083.26
12/09/07 73.05 PRINCIPAL PAYMENT 1010.21
01/07/08 73.05 PRINCIPAL PAYMENT 20851.63
01/07/08 73.05- PRINCIPAL PAYMENT REVERSAL 20924.68
03/06/08 104.08 MISC DEBIT 1114.29
03/06/08 110.12 INCR PRTL PAID 1114.29
03/06/08 110.12 DECR PRTL PAID 1114.29
.04/10/08 06/12/08 63 99.83 67.34 32.49 0.00 1046.95
05/10/08 05/14/09 369 337.29 232.50 104.79 0.00 814.45
05/14/09 337.29- PAYMENT REVERSAL 1046.95
05/19/09 1153.30 CHARGEOFF
0.00
05/19/09 6.80 DECR UNEARNED 0.00
05/19/09 210.95 DECR UNEARNED 0.00
05/19/09 4.98 DECR CYC CUR UN 0:.00
05/19/09 94.37 DECR UNEARNED 0.00
05/19/09 327.46 DECR UNEARNED 0.00
ACCOUNT NUMBER: 00000040023940
ACCOUNT IQUMBER: 00000040023940
JULY 29, 1009
ROBERT ?E BONSALL JR
671 WILLOW GROVE RD
CARLISLE, PA 17015
IF YOU HAVE ANY QUESTIONS CONCERNING THIS HISTORY, PLEASE FEEL FREE TO CONTACT
US AT: ( 800 ) 727-7000.
SINCERELY,
CUSTOMER SERVICES REPRESENTATIVE
r
FCUS
Ford Credit
P.O. Box 17948
Greenville, SC .29606-8948
MAY 19, 2009
ROBERT E BONSALL JR
671 WILLOW GROVE RD
CARLISLE, PA 17015
ACCOUNT NUMBER: 00000040023940
YEAR: 2004 MAKE; FORD MODEL: EXPEDT
VIN: IFMPUlGL34LB73`540
DEAR CUSTOMER.:
BELOW IS THE ITEMIZED HISTORY OF YOUR ACCOUNT BEGINNING WITH THE CONTRACT DATE
OF 12/27/05 AND REFLECTING ACTIVITY THROUGH 05/19/09.
a+raaara+++arraarrar+a aararrr:at+*+*rrrttrrtrrtrrat++t rtarr++++ar t+rraa r.+a rr+ar+
CURRENT ACCOUNT STATUS
NUM LATE LATE
CURR OTHER OTHER
PMTS CURRENT CHARGES CHARGES FEES FEES
RATE DUE DATE REM BALANCE AMT DUE ASSESSED DUE ASSESSED DUE
10.89 12319999 0 0.00 0.00 122.99 0.00
+a++++ 10.24 0.00
r+t+aa+atra+rtarrrarat++ttatartta++t.+.++a+++++ar+++a+++++r++ +ra+++a+.+ +a++ra
INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION - --------- PRINCIPAL
DUE DATE DATE LATE AMOUNT PRINCIPAL INTEREST
---------------------------- - ---------- FEES BALANCE
------------------------
12/27/05 24651.24 CONTRACT AMOUNT ---------- -----
26891.24
02/20/06 10.25 FEE ASSESSMENT 26891.24
02/10/06 03/01/06 19 522.74 0.00 512.49 10.25 26891.24
03/20/06 10.25 FEE ASSESSMENT 26891.24
03/10/06 03/29/06 19 1035.23 799.34 225.64 10.25. 26091.90
05/22/06 10.25 FEE ASSESSMENT 26091.90
05110106 06106106 27 1024.98 487.84 537.14 0.00 25604.06
07/10/06 07/03/06 0 522.74 306.23 206.26 10.25 25297.83
08/21/06 10.25 FEE ASSESSMENT 25297.83
ACCOUNT NUMBER: 00000040023940
FCUS
MAY 19, 2009
ROBERT E BONSALL JR
671 WILLOW GROVE RD
CARLISLE, PA 17015
INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION ---------- PRINCIPAL
DUE DATE DATE LATE
----------- AMOUNT
----------- PRINCIPAL
- - -- INTEREST FEES BALANCE
08/10/06
09/01/06
22
522.74 ------ ----
59.63 --------------
452.86 ----------
10.25 ------
25238.20
09/20/06 10.25 FEE ASSESSMENT
25238.20
09/10/06 10/02/06 22 1035.23 791.55 233.43 10-.25 24446.65
11/20/06 10.25 FEE ASSESSMENT
24446.65
11/10/06 12/05/06 25 522.49 45.69 466.80 10.00 24400.96
12/20/06 10.25 FEE ASSESSMENT
24400.96
12/10/06 01/03/07 24 1035.48 813.85 211.13 10.50 23587.11
02/10/07 01/30/07 0 512.49 322.48 190.01 0.00 23264.63
03/20/07 10.25 FEE ASSESSMENT 23264.63
03/10/07 03/28/07 18 1035.23 629.34 395.64 10.25 22635.29
05/21/07 10.25 FEE ASSESSMENT 22635.29
05/10/07 05/31/07 21 523.00 80.53 432.22 10.25 22554.76
06/20/07 10.24 FEE ASSESSMENT 22554.76
06/10/07 06/27/07 17 1034.96 843.03 181.69 10.24 21711.73
08/20/07 10.25 FEE ASSESSMENT 21711.73
09/07/07 19841.42 PRINCIPAL PAYMENT 1870.31
09/07/07 19841.42- PRINCIPAL PAYMENT REVERSAL 21711.73
09/18/07 EXTENSION
21711.73
09/18/07 10.24 FEE ASSESSMENT
21711.73
10/10/07 09/28/07 0 532.98 0.00 512.49 20.49 21711.73
11/20/07 10.25 FEE ASSESSMENT
21711.73
ACCOUNT NUMBER: 00000040023940
FCUS
MAY 19, 2009
ROBERT E BONSALL JR
671 WILLOW GROVE RD
CARLISLE, PA 17015
INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION ---------- PRINCIPAL
DUE DATE
--------- DATE LATE
----------- AMOUNT PRINCIPAL INTEREST FEES BALANCE
11/10/07 --
11/27/07 17 - -----------
522.74 - ---------'-----'-----------
33.87 478.62 ----- - ----
10.25 -----
21677.86
12/09/07 19841.42 PRINCIPAL PAYMENT 1836.44
12/09/07 19841.42- PRINCIPAL PAYMENT REVERSAL 21677.86
12/09/07 753.18 PRINCIPAL PAYMENT 20924.68
12/09/07 19841.42 PRINCIPAL PAYMENT 1083.26
12/09/07 73.05 PRINCIPAL PAYMENT 1010.21
01/07/08 73.05 PRINCIPAL PAYMENT 20851.63
01/07/08 73.05- PRINCIPAL PAYMENT REVERSAL 20924.68
03/06/08 104.06 MISC DEBIT 1114.29
03/06/08 110.12 INCR PRTL PAID 1114.29
03/06/08 110.12 DECR PRTL PAID 1114.29
04./10/08 06/12/08 63 99.83 67.34 32.49 0.00 1046.95
05/10/08 05/14/09 369 337.29 232.50 104.79 0.00 814.45
05/14/09 337.29- PAYMENT REVERSAL 1046.95
05/19/09 1153.30 CHARGEOFF 0.00
05/19/09 6.80 DECR UNEARNED 0.00
05/19/09 210.95 DECR UNEARNED 0.00
05/19/09 4.98 DECR CYC CUR UN 0.00
05/19/09 94.37 DECR UNEARNED 0.00
05/19/09 327.46 DECR UNEARNED 0.00
ACCOUNT NUMBER: 00000040023940
FCUS
MAY , 19", 2009
ROBERT E BONSALL JR
671 WILLOW GROVE RD
CARLISLE, PA 17015
IF YOU HAVE ANY QUESTIONS CONCERNING THIS HISTORY, PLEASE FEEL FREE TO CONTACT
US AT: ( 600 ) 727-7000.
SINCERELY,
ACCOUNT NUMBER: 00000040023940
CUSTOMER SERVICES REPRESENTATIVE
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson Sheriff _ J ; AQY
??,??ta of ti umf?cr/t?
Jody S Smith c E ,
Chief Deputy
Edward L Schorpp P NP
b_ . k1r
I'`I e r '
Ford Motor Credit Company
vs.
Robert Bonsall
Case Number
2010-347
SHERIFF'S RETURN OF SERVICE
01/20/2010 02:05 PM - Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on
January 20, 2010 at 1405 hours, she served a true copy of the within Complaint and Notice, upon the
within named defendant, to wit: Robert Bonsall, by making known unto himself personally, at 671 Willow
Grove Road, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handinc
to him personally the said true and correct copy of the same.
SHERIFF COST: $33.40
January 21, 2010
SO ANSWERS,
O Y R ANDERSON, SHERIFF
BY 01??
_
Deputy Sherif. (Cj CotxntySuite Sherdf. Teleosott, Inc_
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
FORD MOTOR CREDIT COMPANY : No. 10-347 CIVIL TE
Plaintiff ,`
U
_aM :i',,
vs. •
ROBERT E BONSALL JR :CIVIL ACTION v
Defendant :
PRAECIPE FOR SUBSTITUTION OF COUNSEL
TO THE PROTHONOTARY:
Kindly substitute Lloyd S. Markind, Esquire of the law offices of Sklar—Markind, 102
Browning Lane, Building B, Ste 1, Cherry Hill, New Jersey 08003 as counsel for the Plaintiff in
the above entitled matter. The undersigned hereby consents to this substitution.
/ r A IF
Lloyd S. Ma TF d, Es%' 're (ID # 52507) Joann Needleman, Esquire*
Amy F. Doyle, Esquire (ID #87062) Withdrawing attorney
Superseding Attorney Maurice &Needleman, P.C.
Sklar—Markind 935 One Penn Center
102 Browning Lane, Bldg B, Ste 1 Philadelphia, PA 19103
Cherry Hill, NJ 08003 ID#74276
Dated: June 25, 2013 Dated: June 25, 2013
* Signed with permission of Joann Needleman, Esq.
FILE NO.: FT113918