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HomeMy WebLinkAbout10-4875 1 f ? d Ij ? "A.p Z l J UL 41 PMT ?-? 25 + 1. 4T,A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BRANCH BANKING AND TRUST COMPANY Plaintiff No. /G - 1tv-6, e414 vs. COMPLAINT IN CIVIL ACTION SERAFEIM CHONDROS Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt, Esquire PA I.D. #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#8010312 liv )9d- #9a-aM pd? G,? yUa??a Pcrs xe wlb-M- II IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BRANCH BANKING AND TRUST COMPANY Plaintiff vs. Civil Action No. SERAFEIM CHONDROS Defendant COMPLAINT IN CIVIL ACTION AND 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 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 CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff is a corporation having offices in 1410 Coulter Drive NW, Roanoke, VA 24012. 2. Defendant is an adult individual residing at 390 Bradley Lane, Shippensburg, PA 17257. 3. On or about February 16, 2008, Defendant duly executed a Retail Installment Sale Contract (hereinafter the "Contract") in favor of Hamilton Nissan, Inc, a true and correct copy of said Contract is attached hereto, marked as Exhibit "I" and made a part hereof. 4. Pursuant to said Contract, Defendant took possession of the vehicle more particularly identified in the Contract as a 2005 Nissan Pathfinder. 5. Pursuant to the terms and conditions provided by the Contract, the Contract was assigned from Hamilton Nissan, Inc to Plaintiff. 6. Plaintiff avers that Defendant is in default of the Contract by having not made payment to Plaintiff as promised, thereby rendering the entire balance immediately due and payable. 7. Plaintiff avers that a balance of $9,960.79 is due from Defendant as of June 11, 2010. 8. Plaintiff avers that the Contract between the parties provides that Plaintiff is entitled to interest at the rate of 8.03% per annum. 9. Plaintiff avers that the Contract between the parties provides that Defendant will pay Plaintiff's reasonable attorneys' fees. 10. Plaintiff avers that such attorneys' fees amount to $125.00. 11. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, attorneys' fees, interest, or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment against Defendant, Serafeim Chondros, individually, in the amount of $9,960.79 with continuing interest thereon at the Contract rate of 8.03% per annum from June 11, 2010, plus attorneys' fees of $125.00 and costs. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. WELTMAN, WEINBERG & REIS, CO., L.P.A. James C. W odt, Esquire PA I.D. #4252A I WELTMAN, BERG & REIS CO., L.P.A. 1400 Koppe B ilding 436 Sevent A enue Pittsburgh, 15219 (412) 434 55 WWR#:8010312 - -_ - -_=- ------ - - - - - - - I - RETAIL WSTALLRYNF BALE CONTRACT BNAPLE FINANCE CHARGE - - StaoickNW006351 LMWrNUmba CaaM N.M. } MW WW 0"4" Nasar MMn NdMVGmay Mp Cod.) Cn?UWW-7 8¦Ea1Nan¦MAR, andAftw) cINC &UR6, C,:.ERLANO, PA 17257 1 33?00I1j t' R 710 -A M MW two {:0.Ouw. W a". my:by ew.VOMM bow br cam wan aarl By aprrp tlw m.osL you dlodaa b buy to rahkN an aadt uVltr fr apaamras on fw ball and bask d,dftwn.a.lbu apse b py fw SWr (aonwLbrba %W a La=inert edrlbad i fw Aw.dA Flnarldad and PYurlea Cba/fe =001-- a- babes.WD M npuw yourafltllo sh . apecana dW badL The T1aHnLwlarq OIndO.aM brow r• part a LM Ch"L Npgwaa YMM&MbY"" 15 des.eratY"y.u Mypay¦Ir?dwp a Ill-%¦ih pal abr¦yAVaa e. Oahe Mb¦ nab..a.eya s_+S- hgaedk r yauayrrr yaraybwdy, yoV M M hwb M/¦ Panay aa.ry krM. ybu w Amite e.arpbrnrr h,aed. bolos purlwaad. 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Guam LIIL K3 NO COOLING OFF PERIOD Stirs low does not provWs for • "coollnl ofr or eatwe- ... i psrtod for this sob. After-you sign this ??, you now only Pant it It ow wow bran or for hem couss.You comma cancel this contract sknply becouw you dugs your mind.TTtls W, does not apply to hums soNdtatlonsales. The Annual Asrenrhgs Rule may be rragot/able with Ow Seger. The SO MW may assign 1192 contract and retain lb right to mtoww a Part of of Fbmnm wwwoIbMitiercm mums ATNSdrle¦dm6YSM puatlulesiebEbmesLAgdupbNSmMmrlbblweop NW w eW dpi (berdapN N Wft Spy X ILLry prtdeamwrsbMwl4rrwpatt?? a AnydarLiBA¦ulwsidal¦o NNioa liq hen. Fdre'?pla n¦ a¦y bsadb Mbr eNlYp own I ertedlaldns fa ML oH.L BahackMo wNowtyteewb NOTICE TO RETAIL 9UYER: Do you Sign. KNO It to pnahet your =8=. Contract in blwRYou are anooad to ¦ copy of the contract at the tlrlya YouapnebSawasofOra yeseaa11 "6slasyoIlowSitembutwePveNb andyeuOwnIrwbt?ket &W ,IowLVbu ysulrwmWbeNriroflhMenWaet,YldudYglMrhBratlencltuttenSrwvarwaWs,brae alS" btbm nbdwd a mEplrry ISYi•in copy when you aiprd Buyer S - nabWjlfiM Co-BLW 5" X alts C.dMw ar Or. ¦pnm.a YrapaesbY brpj hmhabt An r. cawkawmMw nesYm N. Orb h.Md. bd does M h.. b say h drbL lli. M..r.r cares b h rorr NaY b h axa. awn b. Aft or. 02/16/ "*- e t.?hrp. ?D1lMYL fa. INC M BrbrYpestrbWarbN m.aNb Im¦ah aaaesrrp...wa.ar/..res., . A.Yp,r...w.a1.. Mlp.d I...p Agpesd.el arbdw Br. Th EXHIBIT I an' :"`i .m,..«.? ORIOINALLBe10LDER b.y.aa L YM MW by ew I i - dmr¦p ANNUAL Tamil of Tow We beuabea.a.aabylu(we PIABE CHARGE PY.e0 baWxan Parbtalwa Hlaa RAZE ayaa you awe.. Vdb Y awpm¦ to w Tirrra The--"d Tlr ¦lNSyau Th¦raa.a ybua. mMq~Wbuy..YwwLNq,o Th..Md rnwe rw aaapw' ' MMw iL y¦urapu.W1ar.??m b abi¦b mra .01r ri ba krdibp yaem.4s meal m 1. y.u. you bme nba.r a¦a1,Ybkabip Vbdak 8bbrbnaw Y MR&W r aurwtl •ysrly raLL mriyW: myaot bow. pYwYr ee yomronn brew l0udoYbn b buy« nd b bry akm i pwrM90WE M N h a IMON In w. use 8.81 % 6647.10 IS. 24032-02 S 31179.1 f 31479.12 «eawYers?ab w?tw p m. prrpwedwrlb.Mlrnb and oorrraaes. Your Paymeffl Schedule WI law ------- OTHER MOKWANT AGREEMENTS 1. FINANCE CHARGE AND PAYMENTS . L Here era win ftm Finance Charge. We will to- - t e Fiance Charge on a ddYYyy bask at I* Arnad Fab on the Unpaid: Part of the Amount b. Now we will apply paynanK We may apply each Payment to the erred and unpaid part of the Fiance Charge, b Be unpaid part of the Maas Financed - and to other amorNs you owe under this canbset in . any order we choose. . I NowiMpaynwuboraarlyp?drngewhat . 01 Paynana?a and ToW Sale n Prim shownno the ? on the eaaxrptlon that you wN mein awry Payment on the' day it is due. Your Finance Charge, Total of Payments, and Tatal Sale Prue will be mere N you N use N you pay early. Changes a" take p to bhas and um of a larger or ender Gal payment or, at our oplon. mile or beer pymares of the sore amount your scheduled pepwart with a smassr final py- mcrwgss bdore thfinal scheduled payneM Is due. d. You may Prepay. You may popsy d or pan of the unpaid part d the l= Fiend m arty Ilea with- out penalty. N you do so, you nest pay to earned and upeld part of the Finance Conga and all other arno" due up b the data of your payment 2 YOUR OTHER PROMMMTG US ; a. Other vohlele b dnnagad, destroyed, or missing. You agree, to pay us all you owe wrier fhb contract even N to vehicle Is damaged, destroyed, «rt?s?q b. thing the vehicle. You apse not to rernove eta wH- do from the U.S. or Canada, or to sA rent, uses, or transM any Interest In the vehicle or this contract %*VxA our WNW permission. Vbu agree riot to ampere the vehicle to misuse, seizure. confiscation, or -- -dhu?vo ??-? At-w pay-anj-pair ogs,.ebrage-. charges on the vehicle, you agree to rspsy the amount when we ask ter N. a. Security You give us a-security intend in: • The vehkde and all Park; or goods Installed in t ' AN money or goods received (proceeds) br the . vehicle- --' -_ ._ - • AN Insurance. maintenance, service, or other con- tracts we finance ter you; and • AN Proeesds from butrrbe, maka«anw, ssr- . vice. or ohsr contracts we tkanee for you. This includes contacts. of premiums or charges ham the T secvss Payment of all you owe on hips contract N also seciums your oiler agreements In the cordmcl. You wR make arm hie thle stows our security Interest (Non) M On wfpde. d. Insurance you must have ern the valdde. You agree to have physical damage bumance cover- Ina less of or damage to the vehicle for dm term of Mk contract The immune must cover our Mosel In the vehicle. N you do not have this Insurance, we may,' N we choose, buy physical damage Ireurancs. N we . - to buy physical may eatr buy Insurance that cove?rs? we Magid In The valpds, or buy knw anoe Bat covers orgy our Intemst. N we buy ebher type of bdrance, .we will be you which type and it* charge you mud pay The large wB be it* premium for the I mrance and ewNnube charge at Ill highest rate the paw Perm N hit vahicle is lost or damaged, you apse that we may Los spy Insurance saMemarll to reduce what you owe or repair hie vehkdo. e. What happens to returned kaurwe, rnafrula nerves, wince, or clear ,oreI - charge". N we get a rslur of insurance, makeenance, service, or new contract darges, we may subaad the refire from what you owe. FYOU PAY LATE OR BREAKVDM OTHER PROMISES IL You ne" owe IWC l -ddiefullwMinl- aharN you ME fty a bte ," 9 d 1S% ofthe part al8e psynerd lend btate,wllh a minkaum dmgoof 88. Aooepfabe a ¦ late payment on bb charge does not excuse your bit payment or mean the you keep - NyouPaybar. we may also We the Mm 11, below. b. You new have to PRY an "a am at Onos. a . break Yom warrkss (dWm4 we may demand lent you pry Y you oweon d* oonbactatonce, aebpci buy On lo gives you to rehab legs oaWaot. Debyk You do riot PST Ny payrrwM an dma•, • YOU .art • prOwselnp ?pinnobapenrtkyr;uptcy or «w Is SWW spairaa YOU or yea !"INUP rty. or • You break any epemnsmsin this contrail. . The amount you wilt oars will be the unpaid part of Our Amount Financed plus the eared and upatd pail of Be wgaa, anu nit' amounts due If we hire an we, you wB pry the ancreys atlowA Ybu vrR also py any ggtKE?alsopeysny court and collection ooata we haw. d We may, she the wllble from you. N you de4u1, we may We (neposeess) the vehicle from you N we-do so Peacefully and ant law allows IL We may reF - . & fin vehicle with or without resort to Ardblel prows, N Your velpds des an dsetantc tackkg dowim you agee 8rtw may use at device to fed the vehicle. N we bake the vehicle, any Soo-fles, equipment, and replaosrnem ports the vehicle, may we with the vehicle. Nary personal lams we b may store them for you at your expense. N you do not aak for Base Nero back, we my dispose of them as the low allows. - . e. How you can get pa whorls back I wo Wa L N we repossess 8e vahkW in hurry situations, to kw ghee you the right to pay to gat it beak. We will tell you win you have to do b get the vehicle beck. I. We will SO Lhe vehicle I you do not get It back N you . do not do whet in required to gel the vehicle back, we will so am vehicle. We WE acrd you a wdbn ranks of gals helms ItwvMgdL We will the money from the sob, less allowed --e xpensse.:ic 8is amount you owe: Alnwed expresses are expenses we pay as a deed result of Is" #* WNW; NW; adows. N, f?Wdg N for nab. aril she la N er 8e bar aim lAway fees and court crab the bar smeb an expenses. unl any moray Is left s (surplus), y y it we will pry it to you ou udaes the bar requires us pr to someone rise. N moray from the sob In not morph to pay the smoudyou ave.-youmust pay to rem-to us unlen the . law provides otherwise. If you din not pry this amount when we ask we the highest lwful charger es, you yo p?ayat a now not exceeding a ?a -g. Whet we may do about optional Insurance, n nkds.. narme, service, or ogar.kanlra, This contrail may contain charges for optlored kakrarkce. melmar-, service. oroaarcw*actL Owe reyonsee t o vehicle, we mharwil id tobtain rah, I of untamed doxohilm to to a cereal IMm reduce whet you owe or Ift vehicle. because it IskooM somhad, N et vehicle damaged, hicle is to a a ford ter or stolen, we may claim baedts under Saes core and cancel - - n obtain refunds of unearned-charges to reduce what you owe. 4. WARRANTIES SELLER DISCLAIM The fobwkg dos net I= any rerrenles kg t o # the vstpde remubctr« apply at all M you bungha to vat "s primarly for personal, family. or household use. Unless the smear m - a wrthus n wenarm or entem redo ¦ savius ooMras wMrMr fig days from Via dale of the care' a On Beier mate no raw a , espnp of Implied, on But, Wild 'red diem win be no ImWled wrernentles at. mmclnardablNy!mltnttllNy or of 1Nnep for a Pr"cul r v 8. Used Car Buyers Oulde. The IrdionvrUom you see on leewindowlonm for this vstrido he part within o«mact kulmmaleon on the window form. everridse any contrary p TM me in d conract at eels. Spanish vehteuba usadod. Ls Irdormad compradoews de dn fonradrio de in verOarelile quo we al pan eele vatwdeub foorme t? Wdel a. carWla contristo. La lerfonnachin dot w blOn an ocntrarb cords iiAs of COtltra n de rde. Payments. ^tY S. M blacN. This cl Ccora Cal . shed be KqWb hie Grantor Closed End Credit Provklons (SubWS 10) of Tine 12 of the ComkereW Law Article of the Maryland COOS. NOTICE TO WYE" OF NEW VEHICLES: M YOU ARE-PURCHASING A NEW VH%CLE WHICH 18-SUBJECT To A MANUFP"JF M EMPRESS WARRANTY AND THE VEHICLE -DOES NOT CONFOIW 70 THAT WAMAarrv naawrn - ---- ------ - - - Mme, wurwvrvrrvawwRRANeTENFORCQENTACT. NOttCE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DItFEf18E8 WHICH' THE DEBTOR COULD ASSM AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL THE DEBTOR HEREUNDER. NOT EXCEED AMOUNTS MID BY The pnadng NOTICE apples Cr* N the Vw-r*A. family or lbumehoa• box in the'Prknsry Use ter Which Pureesed- seclon d Nils ennead Is checked M all odw oesn, Buyer w is not assts against any u6sequent holder or mah fta of fhb cmbai arch" this contr n"s tar BkuY- (mad mail have agelnstTe Sher, or agoirM One d Vm vshk4s cr equipment obi any . AROrrRATt)N CLAUSE PLEASE REMW-aaFORTANT-AFFECTS YOUR LEGAL RIGHTS I• ErrHER 77? on WE MAY CHOOSE To NAVE ANY DISPUTE BErWEEN US DECIDED BY MBI TRATgN AND NOT N COURT oR BY 2 MA DISPUTE ISAIRBITWMVOU WILL GIVE UPYOUR RIDNTTOMRRCIPpE ABA CLASS REPRESENTATNEOR CLASS MEMBER ON ANY CLABB CLAW TOU MAY NAVE AGAINST US NCLyPNO ANY FUGHTTO CLASS ARBRRATION OR ANY CONSOUOATION OF S W8 AND APPEAL IN ARBITRATION ARE litEEHERALLY MDRE LILNTED 1HAN N A LMMBUfi. AND OTHER RIGHTS TNIDYOU ANDYYE WOULD HAVE N COUNT AMY NOT BE AVAILABLE N ARBRWDION. atLYnr ate' wMlw N edkwad, lwLeteAta «eMrwW (WedndYy at and wope d sae deusa wet all a daprr), ?nvM?ilor,dtl imNadv f?a which ease outd«haW bywrwMl- - hw, prxdaea «mdNss d hie bba wtit?d U Ntl.dyour«wdedrr40e by nekktaL trdnO sod nd?Dyaoo+k?dalm« by nude dMYr«on an MwWWtWe sod nolratle acEuk.-Wu.kperN welve ay daM hoe 10 rdre acawL TOu krrIaayy dnooaa we d as Mawkg rbldM «laml*aawus soil Ma?01en1r:Vr NaIwWAnWlreawh F«um Waaapdde. Im 88606-0181 she AmarrrANbellwn aT6 Asadran Aw.. Floor 10. NewYML37 E01m, 10017- E «any yeaard10°"dpJedwo«aNpEOwala.Mourr?atye PtacapyariFkwsafuees wpwprAlbw AApYro nth W atb irrhays«d.TIw.upOpe?e hlhra MbaisNOa oakhdiwlae a the ? rN lrubs. Th. --blind. s ibdrY arhfrlr Miidn yow Wr?tlr?p as left tleknn wdr rpuhk dhwhich meth =Will be held In atbdwal district whre Npt mNacterr awokrd Vre will adrha War esq. a yYa?rk, h serve. e - b okra se your erblsror « hin the ge be ON a aexraan 4.81800, which m!y be ebahaaM pps? dedrM d wOl'abr at rw a?i araeeww. Each Co?rh dW be rwpokWM I terb n armelp egbn and ether ter. unbarawo60 byearwbkMwutwmppEnMetar.Nfe.ehaar anbiral orWtvallonsruns odalcl watdips ewwwer provYYr of aver drwa dam owed. Tho rbb-im sward shalla bW and ant to In ea awaa ON ttlabra award b a or a vldeir nxp doe"rrWla dorgrY i?11dw aMra?wpWo?T? a tlW pry hwelpWralbae new rbarMfo cps rCWstwa cock wajebl b • Ikhel dMrnwtatlar by ere rtltrarhs of i .My rtlNMpkn wd r pl0werrwad Dy M FaderY Alaraibn Apr (8 U.B.C.I 1 at. r1.1 re by ry Mae rw ca_ 11n. arNNatla. Neu rd we Main dye to iaN4ka? ranwadai, Mrh se repossession. ybu and we lenMain to hills to seekradrlMsai win dorm court for This der aheN SUrNm psaNvCe11ff d@UBS" A* Mry ? cfL tri;Lco~E gotea Arbr b Crw- dlrlM wwNaaiirddiaa rtlrh dym,r darrwderfcwetotwun puce in forrymra?et rMeWndamud rem inenh mresble. MawMwddrasellen rdrnwc abut b M nrrrdwcaada ON cry rraon r a cers h sohdar action Mud seraerVwosalNa Afagob"law been made. Cis har, amr .Crux w?.,a• arr. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that he/she is Teresa Slate Banking Officer (Title) (Name) of Branch Banking and Trust Company , plaintiff herein, that (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief 11 ?. ? (Signature) Teresa Slate WWR#8010312