HomeMy WebLinkAbout01-1771VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
P.O. Box 1779
Doylestown, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
PROVIDIAN NATIONAL BANK
JAY A REDCAY
LINDA D REDCAY
Plaintiff
VS.
Defendant
NO.
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 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 other claims
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
2 LIBERTY AVENUE
Carlisle, PA 17013
(717) 249-3166
(800)990-9108
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
VALERIE ROSENBLUTH PARK
ATTORNEY I.D. # 72094
PARK LAW ASSOCIATES, P.C.
25 EAST STATE STREET, P.O. BOX 1779
DOYLESTOWN, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
ACT#:5437815501341807
CUMBERLAND COUNTY COURT OF COMMON PLEAS
PROVIDIAN NATIONAL BANK
295 MAIN STREET
TILTON, N~ 03276
PLAINTIFF
VS
JAY A REDCAY
2260 RITNER HIGHWAY
CARLISLE, PA 17013
LINDA D REDCAY
2260 RITNER HIGHWAY
CARLISLE, PA 17013
DEFENDANT
CIVIL ACTION
1. The Plaintiff, PROVIDIAN NATIONAL BANK, is a national banking
association organized and existing under and by virtue of the laws
of the United States of America. Plaintiff solicits and maintains
consumer credit accounts in Pennsylvania and is the owner of this
account, which is the subject matter of this action.
2. The Defendant, JAY A REDCAY, is an individual who resides at
2260 RITNER HIGHWAY, CARLISLE, PA 17013, and LINDA D REDCAY, is an
individual who resides at 2260 RITNER HIGHWAY, CARLISLE, PA 17013.
3. The Defendants are indebted to Plaintiff on the credit account
by virtue of charges or cash advances incurred by the Defendants
or authorized by the Defendants on a credit card or line of credit
owned by the Plaintiff bearing account number 5437815501341807.
4. The Defendant requested an account, account number
5437815501341807, which is owned by the Plaintiff, and an Account
Agreement was sent to the Defendant. A copy of the Agreement is
attached hereto as Exhibit ~A" and made a part hereof.
5. The Defendants have failed to pay the amount owed in
accordance with the Account Agreement and have failed to pay the
outstanding debt as agreed.
6. The Defendants are indebted to the Plaintiff in the amount of
$7,494.08 as of 12/29/2000, plus pre~judgment contractual interest
at the rate of 23.30% per annum, less payments made.
7. In accordance with the documentation attached as Exhibit "A,"
Plaintiff is entitled to reasonable attorney's fees, and Plaintiff
will incur attorney's fees in the amount of $1,273.00.
WHEREFORE, Plaintiff demands that judgment be rendered in
favor of the Plaintiff, PROVIDIAN NATIONAL BAI~K, and against the
Defendants in the amount of $7,494.08, plus pre-judgment interest
at the contractual rate of 23.30% per annum from 12/29/2000 until
the date of the judg~nent herein, plus reasonable attorney's fees
in the amount of $1,273.00, less payments made, plus costs and any
other such relief as this Court deems reasonable and just.
COUNT I- ALTERNATIV~
8. Plaintiff hereby incorporates paragraphs 1 through 7 above as
though set forth in full.
9. The Defendants received a monetary benefit, which was in fact
appreciated by the Defendants.
10. The Defendants accepted the benefits.
11. By virtue of the circumstances surroundin~ the request for
funds made, the Defendants knowingly requested the funds at issue
and/or knowingly and voluntarily accepted the benefits bestowed.
12. It would be inequitable for this Court to allow the
Defendants to retain the benefits of the funds or to be unjustly
enriched at the expense of the Plaintiff or allow the Defendants
to retain the value of the funds at issue without repayin~ the
Plaintiff the value of same.
WHEREFORE, Plaintiff demands that judgment be rendered in
favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and a~ainst the
Defendants in the amount of $7,494.08, plus pre-judgment interest
at the contractual rate of 23.30% per annum from 12/29/2000 until
the date of the judgment herein, plus reasonable attorney's fees
in the amount of $1,273.00, less payments made, plus costs and any
other such relief as this Court deems reasonable and just.
PARK LAW ASSOCIATES, P.C. j-~
BY: ~
VALERIE ROSENBLUTH PARK, ESQUIRE
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED
THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT
A DEBT, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
VERIFICATION
z, PEATHFR K00REMAN , declare that: I am
a designated agent of PROVIDIAN NATIONAL BANK, the Plaintiff in
this action, and I am duly authorized to make this verification
on its behalf. I have
contents thereof; that
except as to those matters
read the foregoing complaint and know the
the same is true of my own knowledge,
stated on information and belief and,
as to those matters, I believe them to be true. I understand
that false statements herein are made subject to the penalties
of 18 Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
I declare under penalty of perjury that the foregoing are
true and correct.
Executed at Alameda County,~
Date
State of California.
Designated Agent
PROVIDIAN
Financial
EXHIBIT
Pmvidian National Bank VISA<< or MasterCard((
December 4, 2000
Please review this document and k.~,. it with your other impprtant parers, This Account Agreement contains the terms which {3ovem your Pmvidian National
B,ank V SA` or, Msste,rCard Account (the,'Accoun`t") The Accouri} a ow~ you.to .r0ake pu. rcha.~e,s, by us. .ng yo.ur.V SA, qr..'M,.asf`a.rCa.~, card.,(tbe "Card")
~neraver it is nonoreo and to cie[ casn aovancss tmrp us or any o[ner participating financial instau[i.o.n apo [re,m, Au.~oma[ee re,er Machines. ~onveniance
cn~cks.may a so be p. mvidad 'to you as an additignal .w. ay.ta use ~e ..~.. ou.b.t, n ~i,s Agrae.m, ent. you and 'yo. uq moan e`aq,,h, pe~o.n for .whg.m w.e have,
opaneo a ci'edit card Account "We," "our," "ours," ano us mean ;-'rovidian National uanK or its assignees, as i~stea on your DlllJng statement, me ACCOUm
may ~ used on y for personal, family, house.hold, and charitab epurpos,es, and not for any bus ness or cqmmemial purpose,.,Anyu.se q.f this A.c~unt sba
constitute accep,[ance of the terms of this Agreement. if the ACCOUnt was openeo as a join[ account, we may act on tne instructions eT etmer joint
accountholder, You and we agree as follows:
Payr.n.e.nts,. Y~ will receive a. monthly s, tata. men.t showing,you[ puts.to.riding balaqc.a. Payment on this Acc. opnt is r`e, qu!,red in U.S.,dgllam, (checks mu,st be
pa7ao~e at a U.~.. o~ce of the Dank the check is urawn enuor at ~east me payment hue as..snown on yqu,r, sm[e,men[ Dy [ne. paymen[,~3ue,,oa[e ~0 acco ,rgan,ce
mm payment instructions on your monthly statement. The beck of your statements shows me rules we rol~ow when we ppst payments, uonven~nce Chests
aQ.d. b~er ~hecks we ssue to you m~a~y not be use.d t9 make. payments on yopr Accpun.t or.to make payments on. a, ny other aqcoun! you .hav, e ,w~t,,h us or
a~' ams Tnepaym. ant due will be: z'~ of the new,aancesnown on your st,atement p. us ~nea.m, ountpj`any, pastouepayrp~t, anom, ayLn, c~u~j,ne amg,un.t
by which the new balance exceeds your credit line. However the .l~, yment hue will not be less [nan, ~o (,unless your new oa~ance is ~ess man, 3o, in wnicn
case the. ,paymen ,.d. ue ..wi,' be .the, arno.un[ of th~., new ba anco) fy our .A`cco.u. nts pest .du,e or ,abgye lbo ~.r~.it line we, may reqqira q higher,m..ini,m,,u.m
paymank om we w ncti~y you oemra cio ng so T your payment s more man me payman~.ou,e~ [ .w,J* ~ ,~a[eo a.s a. sl0.g~e paymanJ.an.o none.g[ it ,wil~ De
applied to futura pa~,ments Bce. We may acc~ot lam or pa~iei payments or payments ma[EeO pale in tull or ma[see wire omar rasmctions, wi[noUt losing
our right to cdiJec[ ell amounts ow ng undo[ this Agreement.
If you have made spesial payment arrangements with either first Union or Providian, you need to continue making the agraed upon payments.
Fi, nan.c.e (~ha. rg.es, Except, as des.c.n.'b~l, n the Gm.po P,e`ried fo,r,.P..urq .t~ Bal.ance ,sec[inn of this Agr,eemant, ,fin,a, nce .charges. peg(n, to, ~.ccr~e qnp debit
wnan ~t is mclueea in one et your holly balances ano con[[nue unto m~at ~lance is reouceo Dy a payman[ or. ere~!k Your ~copun[ n,a,s me jOllOwipg Dala,n. sos;
The Pumhase Ba anco, wh ch .c,onslsts of your ex sting Pumhase ualance and new puronases you make w~th your uaro anc tees [or ce[[alp optmnal
sauces; one or more L;us~om L;ash Advance Balances, which consists of balances that you transfer to your Accc~unt using, beiance transfer C.neCKS a~nd
balances that we translar 1or you; an(~ me L;asn Aovance Balance which consists of all other cash adv~ncas anc cash aevance ,t~..nsection tees, ~ny
Eayment am~oupt y/.a.,~ce v~ .~a! ,s.x.cesds me/tnance cnarge~, a~ ,fees then .due will,`ordinarily,,b_,e a~Ji.e,d .fir,st, to the, Balance ,wi!h th.e lowest Aqn~al
~-'ercentag,e, )-,<ate (A;-'h0, until mat ua~ance is zero, and then to [ne ualance with [ne next lowest A~K Un[FI that ualance ~s zero. one men to any remaining
Balance. vve reserve the dght to apply payments differantiy without further notice.
TFuhe pumhase, Cus, to.m Cash Adv~anc.e, and.,C.ash Advan.c.e. Ba aoces a~e re~uc~ by ~yms.nts as of the da, to, r~, ,eived ~d b.y cra~i~ 'to, a.s ,of the d~te. posted,
ronases are incmoec~ in your ~-'umnase uamnce as of me date ma~e. uustom case a~ances ara incluOea in your ~ustom ~aso Aovance ualance as
folows funds eectmncatv transmitted to other lenders to transfer balances, as of the date transmitted checks to transfer balances, as of the date
Br~sented to us, Other casl~ advances .ara inc!ud~, in your. Ca.sh Adv.ance B .alan.ce as fetter's: c.as.h .a.(Jvapces fro.m, qther, fin.anciei instlt..u'dpn`s and th,rough
Automated Te ers, as of the date maoe; case aovance cnecl<s ma(~e pay{IDle to YOU mat are ~oenarlea as cash[ars cnec~s aha ma,~ to you at your
_r~qu. esf, Os qfs. eyen days a~ffer,th.e .date we,,p.~nt on the check; all othe,r c. he~ks, as ~the date pre.s .ant, e~ to us.~Oth, er deb~its .are ir~lu,de~. (n your Pum, h~ase.,
L;us[om ~;asn ,~ance,or uasn~ovance ualance as of tne date posteo..Ei0ance cnarg,e.s are, a(~3eo to your yuronese, ~;ustom uas,n Aovance, aha ~Jasn
Advance Balances each day aha are then posted on the last day of the bdlmg cycle. "rhera ~s no grace period for custom cash aovances or other cash
advances.
~ao flgu,m th.e. da,, ilyfinance chargs, fq.r each ~ .of .B`a. lance, w.e s~rt ,with .ye. ur pravious day'.s ~al_a,nce,. ado all.debits.and s ,ub.tmct a!l.,cr,~ts fpr.!he cu,rr~, n{
y anq multiply.me net a .m..ount Dy me .app~lcaD~e daily .j.~qni:ldic rate (see ~ql~owing parag .m. pn,s): i n,e rm..once .cn.a~rge mr e,acn type et, u.alance i.s m,e`n ,a ,,,,ogee
to and nc uoe3 n that day s Balance. we treat a cr~i~t baance mr ~ny hay as zero. w..e .~.!,e`rmme.me~to[al, nn, a.n.ce .cnarges ,on Daances Lo[ ~,ne
,cycta by adding [`ego[her the finance chames for each [ype of Balance to[ eecn day withi,n tn, e o ng cyc e. j.n., ca cu~a~qg np.an~ce cnarg~., En ,.ac[[us[m, ent...w, i,
be ma~e for aoy transect on orpaym~, nt fha[ would have afl,ted the nna,n, se cha~le ca cu a§on n a priqr Di,!,ng cy. cle n,.aa it eeen p,o,s[e~ ~n
.applica~..le dai~y periodic rate for ~uch a transection will be [ne rate in e~ect for me currant billing cycle miner man me rate in e~ect on the date o~ me
Eansactlon.
~our st`a!em.e,.qt inclu ,des an .,average ~ily ,bal. anqe. for ea,c,h .ty~e of B..a, lance,..Y, pu ca.n.rqu!tip, ly ~ch `ave.rage da. ily bala,nc.e .~at is not. zero by th.e n.umber,of
ys [.ri. me D ng cycle and me porthole rate tn oma n sumom~s, ana men a~ me sumo[a~s regainer to oemrm~ne your to~al nnance cnarges on oaances
the bil~thg cycte.
~,~ te.rm "Prime Rate" as used n ~e Agraeme.nt re?aris ~e,.,highe~t prim~e,rate p .ub!ishe,d, in, the .W. all, Street Jou, mal op ~e first ,busine. ss day of the prav[ous.
near month. Any incraase or eecrease in me Annual veroan~age [,tam wi~ ~aKe effect on me first day et your Dialing cycle ana may resutt in a s~igh[
incraase or decrease in the amount of your minimum payment.
~hee .~N,.N. UAL PERCENTAGE~ RATE, (A~P~R,).,f,or.p. urchas.es m,ay y,a, ry and will ~ a~ustec~. ,.each bitii,n.g Eycte ,to, 9~.,.9~,a,,bove Prime Rate. Using this formula,
AI~I~ rot purchases in the uecem~er zuuu pilling cycle ts 1~.4'~b, corresponding[o a aei~y perlouic rate et u.uoam"~.
The ANNUAL PERCENTAGE RATE,for cqsto,,m ~,~n.., .ag'vancss may vary ,and w be.,adju.,sted e,ach b~l[n,g, qycle to 9,.9% ,aJ2oy~ Prime Rate,,.but.wtil in, .n.o
event be less than 7.9%. Using this formula, me ~ [or custom case aovances in me uecemeer zuuubilling cycle is 1~.,~, corresponding to a oa)~y
periodic rate of 0.05315%.
The ANNUAL PERCENTAGE RATE for cash advances is 21,9%. corresponding to a daily pedodic rate of 0.06000%.
If we receive your Account payme.nt late 2 or. ,.mom tim,es in,any, 6~-m~o~nt,[h, ,.i,,~,,riod..on each sq.ch ~u.g, rr,e, nco w,e re,ay incraase ,the A,PR for purchases up to.a
maximum of 21.90% (correeponoing to a ,'miry periouic rate et u.uouuu'~), ana increase [ne AFK TOr cash aovances aha custom cesn a~ances up to
maxi,m .u,m .of 23.,90% (corras~o. riding to. q daily periodic rate of .0,.06548%). If aft.ar you rec~eive, the hi,[ghffr rates your pa,yme@ts.ara received pn timff,.and you
meat all omar terms of this Aoreemant mr ,~ consecutive monms, you may con[act our c;ustomer ~erwce dap;3rtmen[ aha. at your reduest, we Will review
your Account for a possible APR reduction,
fGffr, ace P,er,iod fo.[, Pure,haee, Balance. New purch,ases pos.tad to yo,.u,r,,Accquqt in Pilling qyq[,e.s with ,no p,,raviou,s, balance., or when, the pravious, belance was
ypa o oudng [ne cycm~ oh not be~ n to incur a nn~nce cnarge unti [ne start of the nex~D ng cyc e. YOU wi,,pay no nnan.c.e cna[ge, on ,s.u,.c.n new .
pu, rcnases if you pay .m..e total new b~ila.nce in. .fq. li by [.ne payment due .date shqw. n ¢~p yqqr state,mont,, New ppronases postea in any omar D~mng cycle recur
a ~nance cna[ge, and [nero is no pefiee in WhiCh SUCh puronases may De repalo Wi[nou[ ~ncumng a nnance cna[ge,
Fees; .We Gay charge ye.ur A.coount $0 for.: e~,ch .Card yo.u ask us. t.q.r, eplace;.eaq,h, .retu.rqef:J, payment; ea~.h ch..e~, k you.w,.dt.e o.n your.Acco, un[ ~,a~..w.e retu.rn
uhp, `alc~ e.acn stop paymem omar or renewa~ g~ ~ucn an oF:~r, each OiIIIqg cycle wi[nm WplCn your Account ~s Oellnquffn[ [la,[e..c. pargej aha each Dining cy~cle
within which your ~ anco exceeds your credd ina (oved~mlt fee, even ir your Account ~s c osed. f you request copies or b.lmg statements that were nrst
(Continued on reverse) (5846-0698) 54378f550'i341807 1532 016 z~
sent to yqu mom than thru, ,men,ihs earlier, we may che, rge a handing,fee of, $2 for e,ac.h suc, h, qop, y,, If yoq mquest, th.,q! ,we, ma.ks
payment rmm y~ur parsOna~ cnecKing acc~unt~ we may cnerge y~ur credit cam acc~un[ a rae ~1:~t~r eacn request~
an~l t wi apply regard ess of whether funds are ava lad e n your personal check ng account to make the payment.
fiWne may, cha~e a transaction fee of 3% (m)n mum $5), wh, ch S e. one.- i.me, F NANCE CHAR,GE on the am,oust of aa.ch cash advance, including cash from
ancial instirutions, and ATMs, win irons[ers, money omers, lottery TICKets. casino gaming onJps, nod similar transactions. .
Defau L Y,ou .w,i, be ? d~fault if any information you pray ~.,us Rre~fes t,o be ?co .rnpl, eta,or u.ntrue ,if. you dp,, hq! ccrnply wi~ any ps,rt, of th, is Agreement;,
u~n ycor daam, r~an~rup~cy, or insolvency; Typu ao not pay omer '.debts when .ope; ir a ~an~( .fpp, icy, petition is ~'ll, ,e~ Dy 9r ~,,qain~[ you;pr it we,, Delieve in. good
faith that you may not pay or perform your oUl~gations under this Agreement. IT you e.re in Detour[ we, may, withqd[ turin,er ~mano 9r n, otice. ,ca,nce, J yp, ur
crud. !t pn.'w e~e,s, decare your Acccum b.,aanDe m.medatey due a,nd, ~ya.b~l~,a, nq u,se a,ny r.e,me_~ we m_.ay nave. J,,n me, .e,v, en,[ et your,datau~t,,me
outs~n, oing ~a~ance on your ACcount sha~ continue [o accrue interest at me A~N(S) OJSClOSa(~ In me Hnanca unarges sec[Jori et [nis Agreement, even JT we
have Tiled suit to collect me amount you owe.
Cre,.di,t ,Line..,You. r, credit lipa is spec~@d from time to ti ,m,,e..in .a sepq, rate, nptice,,.Your mqn:thly s,t~t, ements show your ~,,~it line a,n,d the a .m, qu. nt of
ava~la~,~e credit, we may mc[ease or eacrease your creo~[ i~ne Desee on ~q,'ro .r~asen we odtalnee 'rro.m you qr.[ yqur c.r. ee!t r~ords. ¥.ou,,r ay,aseole cr~, ~t is
normally the d fference between your crad t ne and your Account ba ance {~nc~ud ng transactions mo,.es or au-mo,nzee out not yet ~.s,~ee), J? you ~no.us a
la, rge pa,, ympnt check, .we may, limit y,our available, cr~:l, it,while we confirm .re, at the. ~,heck w.,ill clear. ~-o,r certain FansactJq.ns., ,ava~lap, le creaitmay ~ less.
You Will no[ use your ACcount Tar, one we may reTuee [o honor, any transaction wnlcn wnUla cause you to excess your avaleera creel[.
Prom s.e to Pay. You I:~o, mi.se to pay us w~en due.a ! amounts bono.wed when yq.u o,r. se,meone.else use your .Acgount, (e,ven. i,f th,,e a,m. ount charge`d
exceeds your benoissionl, a~ other transactions ann charges to your ACcount, one c.o. llection costs we incur incluo[ng DUi not ~im~tea m, masena~e
attorney s fees and court costs. ( f you win the au t, we wi I pay your reasonab e attorney s fees and ccurt costs.) ,
Chap~es. Afl. er we p. rovide you any notJos r.~u red by law. we m_ay chaqge any p.a~ o~ this .A, gree.mf;nt and a,d,d o,r remo~,e m.quire.ment.s., if ,a, change.
maeeto the Hn,.ance Cha~es section of this Agreement, the new T~nanca cna[ge calculation wi,'l~ apply [,o your ~ntim. Accoun! ~la,,,nca Tr, om ,me.,e~ective date
of the change. C,,han, ges w~l! apply to balances that include items posted to your Account betore me date o~ [ne cnange, nod will apply wnemer or not you
Fern gn Exchange/Currency C?nvere, on. f you us.e your. Card for tmn~cti.on~ ne. currency o~er than. U:S; del!ars, th9, tre.n, saqtions wjJl be converted to,
U S ~o ars, genera }y usinc] e mar a ti) government-mandated r~e or { i) WhO asa e market rate in e..~ec! me day DeTom, [ne ~.nsacaon is prccessee,
in?reasa~ by ~ree percent ('3%). If acY.~jtis, subs,equer~tlygiv.a?fprat.rans~.ction, it will .be ded_reas.ed,,by the sa~e perca~m..ge, ina .curr. encyccpye.rs,,io~n
rate uses on ~ne conversion data may c~ffer Tram me rate ~n ertecz on me date you uses your L;am. -~ou agree to accept me converted amoun~ ~n u.~.
dollars,
The Card: Cancel orion You may cancal your credit privileges at any tim~e by n.otifying us in whting,,and.des!reying the,..Card(S). Upon the,Card e,.xpi~o,n at
the eno of the month shown on t, we .r~. we the dg~t not [o renew'the Larg. we may cancel the L, are aod your ,~r .~, t p,dv~lege,,,s at any time a~er ,~u days
not ce tq ye.U`, or W thou.t nptic.e f be~l~.ed..by aw ~f yqur Card Js can,ce, lies.or not ran.ew.,ed., flnanc,e ch.,arg,es.,ane qmer, T~s w~ conti~.ue .iq, be assa~,~,ee,
paymen s wi ~ continue [o De oue, one ao[ner applicable provisions m mis Agreement Will remain ~n e~ect. It you tar[p, m,a~e, your c, re~t pnvce~es or Tr we
cancel or do not renew the Card, you may no longer write checks on your Account. and you should destroy any unusee cheCKS we nave ~ssoedto you.
Pars. oriel ~formation; Dpcuments. You w I pro'vi,de us a! east lp ,,days.nptiDe if yqu. change yqur name ho,roe o.r ,m.a!ling,.a .df:lr~ telephon, e numbers
empo. ymem or nconle upon our request, you wi proves us edo~[o,na Tmancia~ nTormaagn, we rese,,rye me..n, gm to op[a~njnrarp~,aaon ~rom q..mers,
in~[.u~[ng c. redit reporting egencie.s, an~ to pro,vide yoyr a,.ddress an~. inrpnoation., .aJ)o, ut ye,u,[ Acc.O. Unt to ~!ne,rs..vy, e may a~s.o, s,,n,.are into ~rm, atie,n wire our
affiliates. However, you may write to us at any time Instructing us not.to st?are cr6~t i,.mormab.'pn with.our amliates. ~r you oo not Tu~r~l~ your o~:)~igations under
this Agreement, a negative credit report that may reflect on your credit may be submitted to [ne cre~t reporting egenc~es
Cust~me.r. Service; Uaauth~,rized Use, ..Lpea~ er The`e`~ of Ch.~, qr the ~Card. Each, C.a~. mu, st .b~ .sigP~:l. ,op ,repeipt.. You .are. re~spons~b, le for
safeg~arolng the Card. your t-'ersona den~i~lcaoon Numaer {'PIN',.wnicn previ,~es access To A~utom. at,,~, t el~er ~acnme.s,~.ang any c. necKS IsS.Ued
f.,rom theft,.and keeping yqur ,P!N sapa,.rata fram ye.ur Care!. ~ty~d~sc~v~r~rs`u~sbect.thatyour~a~`~`~-N`~"~r~a`ny``unuseecn~c~sa~re~qst~r`~tq~eq`~r[nat
[nere m~ De an un,~umonzeo u'ansaction on your Account, you wh~ pmmp~y notify us Dy callin,9, .~ -~u-~--~,~./.zz).. ~p we can i~me.~a, raly act (o ILm, ~T ~oss,es
,and liab!,iib/~, y,o,u will phone us even though you..may al,so notify us re.writing; You will not be i~ap, le Tor una~mqn.z, ea use ,.o~c, umng ~Tom. you np.ti~y u~ et a
ess or ~.neA ~T you report or we suSP~t una,~tnonzeo use et your ACcount, we may su,spenc~ your creel[ pnvneges unaJ w[ resove tne prodlem to our
sati,sfactiq,n or issue yoq,a .new Ca~: If yopr [;ard.!s Ios, t or stolep, you will promptly destroy all checks in your possession, lo improve customer sauce
nod security, you agree [nat your cal~s may De roonitoreo or recoroee,
it,aierchant Relate.ne- We willnot .bP. !iable if anY. persqn orAutomata:dTell.er ..M.a.c. hine,,re.Mses.toh, onor the.Card or ac ,c~°typurch,-ecks~orfailst,[o.ret,um.the,
rd ~o,you, we nave no rqa:x~siDility f~ goods one sauces ~uroriased wire me ~are or onec~(s exospt .as, m, qui.red by !.a.w. I,~.,ee` ,b.'pedJa~ ~u~e oe~ow,
n r~e[~efits that.are ave.liable with[ne A~count ere prowded oy third-party vendors, We are not responslo~e mr me quality, ava~sorl~ty, or results of any
e sauces you cnoose ~ use,
..Stp. p Payment Orders. If you w sh to. step .payment on .a ch. ack. y.o,u may ,s.end..us asto. p p.a..y.me, nt order by ~vriting,to,.u§ at our add .tess fqr customer Se[Vise
listec~ on your ~tatemedt. You can ma~re a stop p~a,.yn~en[ oro~r orally Dy. ca~ling [ne number lis~ed on your .s~a[em~,n[. ,vvne, n you make a,s..~pp payn~ent ores.r,
you must p.ro~de your A~q.unt number.and ,spac~T,~c, jnfo ,r[n,.at~on, ab,d,'ut[ne, che~k,: the",e,xsot a, mo, u,nt, [ne.date on m,e qnec~(, me ~ma.oT ~e pa~ to,.,whom
w..as payso~e, me name et tne p.e. raon WhO s~gned, ti. ano .m.s CheCK num.~er..Y,.<W. Will De asKeo to conTtrm an qrel step pay.ment omar in,wn,ong, we may
d. lsrega:.rd your..era.! order i.f we do not.recaiye a.s~gne~ ,w. ntten .conf, l..~naf`.].on ~[hlq. two, .~,~sek. s a.fter the qm.!ome,r, o,r ~T we pave not recel, ved an adeq,ua!e
Descni:~[ion of [ne l[e,m SO mat..paympnt..qan q~. s[ppl:~, o. ~r)e order w~l no[ oe e~ec0v, e ii' [ne cnecK was p~ld Dy us be!ore we nap, a re~...sonaDle opportunity to
act on the order, we may. w~mout I~abillty, disreg~,/'d a wntten stop payment order s~x months after recmpt un,ess ~t ~s renawee m wnting.
Standard of, Care. Becau ,ap, this Account involves both cr~it card,and, chec, k,,tran, se,9,, tions which a,m~ proc .essed th..mugh, separate natiopal .s.y, stema before,
the transaction~ are conSOl dated by us. and because not every criSes( and Mare s p wi be sent to us. ~ransac~o,ns ~n y,o~r, Accoun,~ wi ~ De prq~. se~.,
mech~nica.!)y whho,u.t our n. ecessarily re~e..wi,ng every it. em.. Oqr p. roce .ssings. ys.tom .wi!l cal[.o, ur .atten. tio~ to.cardin ,i.[e['ns wnic. n we,.~ill exaroiqe, w.a.
exam[ne all [ransacaons wned you ,re.port [nat y.ou. r Mare or ChecKS nave Dean lost or ate[an, we oo no[ [nten~,ore~..~my [q exaro[ne all ~Tems, ane we wll~ not
~ neglige.nt f ~ye .do.not do SO .'['.iq s rue es...~ shes the sta..nd~. ~ of. etd na,[y care wh qb we.in g ..o~d`., fai~ will e,,xemisa i~...a~'miniata,.d.ng y~r Ac~. nt.
because et our i~mheo review, anc~ because neimer your canceseo criCKS nor Lard transaction Sli@.s'~lvil~ De ,re,[umea~o you wl~ [n~ mortally .stage,men[. you,
shou. ld be ,c. arafu, I to enter qll c.hec.ks in your qh.eck. ,n~lister. or ot~e .r~qse keep a .rso .~. of ,~.,em..You s.h.o.ul.d al§o save yo..ur qred!.'t, card ~sn advance and
purchase slips, ~'ou agree ~o Check( your manmiy statements against your reccre and [o nosP/us ~mme~am~y et any unaumonzee a'ansac[~ona or errors.
Waiver o.f Certain Rights. We may deay or wave enforca.ment,of any provision, o..f .this Agreemen.t wi~out I~sing p,u,r ~g,.ht to enfqme it or.any other
provision a er. You wa ye the right to presentment, d~man~, protest, or noUce et eisnonor; any applicable statute or limitations one any right you may
nave to require us to proceed aga nsf anyone before we T~ie suit against you.
~pplto~,ble. Law~..Sev. erab fy; Aaa grim. ant. No ma~e,r where you ive, th s Agreeme. nt and.your Ac.cq. unt am. g.o,vpm, .ed by f.edereJ Jaw an.d` by .New.
ampsn re aw /n s Ag, reements a Tine e~ress on et [ne ag ,mement betweaq you and us ano may no[ De conmao cte~ Dy ,,e~,idance et any a ~eg .ap o~
,egreeme.n!. If any p ,ro.y s on of th a Agreerce. n~'is he d .to ..bp. J ,~.y,a!ld or u, nenfqm, ea ,b[(~, you, and w,,e wilJ cons.ider that previs[o,n .m. (~d`i~.ed to conform t.o eppllca.ble.
lav~, ano me rest of the previa ons n the Agreement wi sti~ De enmmeea e At any t me armr we deiermir,~e in gnoo )'aim.[nat any Groposed or e~nec[ed
legislation, re,qulatory ecfJon, or iud c a de: s on has rendered or may render any meredal [:)revisions of t~is Agreement [nvalJd, pr unemo[b_e~ab!e, or ~mpose
any increasedtax, reporting requirement, or other burden in conDec~on with any such pmv~sion or its entorcement, we may. a~er at least au days notice lo
PROV1D1AN
Financial
you or without nofice if permitted by I~w, cancel the Card and your Credit privileges. We may transfer or assign our dght to al,J or,~pme o,.f your payments. If
wState law requ res that you receive notice of such an event to protect the purchaser or assignee, we may give you suc~ notice Dy filinth the state's Secreta~, of State, g a [inancing statement
Notices. Other not cea to you shall be effective when deposited n the ma addressed to you at the address shown on our records~ unless a longer notice
period is specified in this A~greament or by taw which .p:eh:od shalt,,start upo.n ma ing, Nofice to us sba be mailed to our address tor customer service on
your statement (or other aaaressea we may specify) ano snail be e~rective when we race ye t.
~oreuR,. BILUNa R Gl-ITS- KEEP TH $ NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair
ail Billing Act.
~o..ti~y,,Us in Case of E~. o~ or,Questions Abo~. t.Yqur Bill.,, If you fhink your bill Js wrong or if you need more informa~on about a, .ny transaction on your
II,,w?re,,us on,,a s, apar~e sneer, a! the a~ld~ss.l~.st.~o in th. e .Bi!(ihg Rights ?~um. (nary on your .bill~ Write to, u, s a, s soon a.s l?ossible, we must hear from you
no tater man uu t~aya after we sen[ you ne t mt D on wn ch the error or problem aD~earee. You can telephone us, Dut doing so will not preserve your
rights. In your otter give us the foJlowina information: - Your name and Account number - The do ar amoun of the susl:~ctad'ermr. -, Describe the error
and exp am, f you can why you believe there is an error. If you need more nfo~mat on, describe the item you are not sure about.
If you have authorized us to pay your credit card bill automatically fromvour checking account you can stop. the payment on any amount you think is wrong.
To stop the payment, your letter must reach us throe business d~ys before he automatic payment is scheduled to occur.
Your Ri~lhtS and Our Res~ol~sibili#es After We Receive Your Written Notice. We must acknowieq~, e your letter within 30 days, unless we have
correc~ffO tile eft.or bY then. 'VVrtl!in 90 days~ we must eider correct, t.h.e error, or. explain why we b.elie, v.e, the 5.111 was correct: After we ~calve your letter, we
cannot tp/to COlleCt any amount you ~uesfion, or report you as ceJinquen[, we can continue to Dill yOU tot the amount you question, including finance
charg.e.,s, .a..nd We, qan alSp!y any.un ,ppid am, .q,u,n,t a, gainst your cre::~, t ne You do no have to pay any quest oned amount wh~e we are investigating, but you
are S~l ob~garea to pay [ne par~s or your Di~ trial are no[in question,
If we tied.that we madg. a mis~ke on your ,bill, yog.,wi.'ll not. have, to pay, any finan,ca charge, relat,e,d to any quec, tJoned amount. If we didn't make a mistake,
you may nave to pay tmance cnarges, aha you will nave [o maKe upme m~ssea payments on me questJonea amount, in either case, we will send you i~
statement of the amount you owe and the date that it is due. If you mil topay the amount we think you owe, we may repprt you as dal[nduent. However, if
our e~lanation does not satisfy VOU and you write to .us with n 10 days telling us th.at you still refuse to pay, we must te!l a..nyone we rffi~ .rt yo,u to that you
~uestion your bill. And, we taus[tell .y_o.u the name o~ anyone we ,r.,epo__rted vou to. vve must tell anyone we repod you to mat the matter nas ~een setfied
l:ietwean us when it finally is. If we don t follow these rules, we can t collect the first SB0 of the quesfioned amount, even if your bill was correct,
~SaPe~l~edqle for .C.C..It, Card Purchase... If yo~.ha, yea pro.blem, with the qua!i,t,/of t.he property or services that you purchased with our credit card and you
n good faith [o correct the pro~lem wire [ne memnan[, you may not nave ;o pay the remaining amount due on the QOOQS or services. There are
two, imitations on this ri;ht: (a} you .must have made the pumhase in your home state or if not within your home state witfiin 100 miles of your current
mai lng address; and (b~'the p. urchase price must have bean more than $50. These limitations de not apply if we own or operate the memhant, or if we
mai eoyou the advertisement for the property or services.
Z561
SHERIFF'S RETURN -
CASE NO: 2001-01771 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PROVIDIAN NATIONAL BANK
VS
REDCAY JAY A ET AL
REGULAR
BRIAN BARRICK ,
Cumberland County, Pennsylvania,
says, the within COMPLAINT & NOTICE
REDCAY JAY A
DEFENDANT , at 0010:30 HOURS,
at 2260 RITNER HIGHWAY
CARLISLE, PA 17013
LINDA REDCAY (WIFE)
a true and attested copy of COMPLAINT
Sheriff or Deputy Sheriff of
who being duly sworn according
was served upon
on the 2nd day of April
by handing to
& NOTICE
to law,
the
, 2001
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 3.10
Affidavit .00
Surcharge 10.00
.00
31.10
Sworn and Subscribed to before
me this //~ day of
/P~othonotary
So Answers:
R. Thomas Kline
04/03/2001
VALARIE ROSENBLUTH PARK ~
Deputy Sheriff
- REGULAR
SHERIFF'S RETURN -
CASE NO: 2001-01771 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PROVIDIAN NATIONAL BANK
VS
REDCAY JAY A ET AL
BRIAN BARRICK
Cumberland County, Pennsylvania,
says, the within COMPLAINT & NOTICE
REDCAY LINDA D
DEFENDANT , at 0010:30 HOURS,
at 2260 RITNER HIGHWAY
CARLISLE, PA 17013
LINDA REDCAY
a true and attested copy of COMPLAINT
Sheriff or Deputy Sheriff of
who being duly sworn according to law,
was served upon
the
on the 2nd day of April , 2001
by handing to
NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 6.00
Service .00
Affidavit .00
Surcharge 10.00
.00
16.00
Sworn and Subscribed to before
me this //~ day of
A.D.
/ P~othonot ary
So Answers:
R. Thomas Kline
Deputy Sheriff
SHERIFF'S RETURN -
CASE NO: 2001-01774 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
FIRST SELECT INC
VS
DEITCH DENNIS G
REGULAR
JASON VIORAL ,
Cumberland County, Pennsylvania,
says, the within COMPLAINT & NOTICE
DEITCH DENNIS G
DEFENDANT at 0019:30 HOURS,
at 136 GREASON ROAD
CARLISLE, PA 17013
SHARON DEITCH (WIFE)
a true and attested copy of COMPLAINT & NOTICE
Sheriff or Deputy Sheriff of
who being duly sworn according to law,
was served upon
on the 4th day of April
by handing to
the
, 2001
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 3.72
Affidavit .00
Surcharge 10.00
.00
31.72
Sworn and Subscribed to before
me this //~ day of
J.h~/ A.D.
~othonotary '~
So Answers:
Thomas Kline
o /o5/2oo1
PARK LAW ASSOCIATES
/~eputy Eherif f
VALERIE ROSENBLUTH PARK
ATTORNEY I.D. ~ 72094
PARK LAW ASSOCIATES, P.C.
25 EAST STATE STREET, P.O.
DOYLESTOWN, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
BOX 1779
CUMBERLAND COUNTY COURT OF COMMON PLEAS
PROVIDIAi~ NATIONAL BANK
Plaintiff
VS
JAY A REDCAY
LINDA D REDCAY
Defendant
NO. 01-1771 CIVIL TERM
PRAECIPE TO SETTLE, DISCONTINb~ AND END
TO THE PROTHONOTARY:
Kindly mark the above captioned matter
discontinued and ended upon payment of your costs.
settled,
PARK LAW AS .S~C~S, P.C~
BY:
VALERIE ROSENBLUTH PARK
I7