HomeMy WebLinkAbout01-2292VALERIE 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
CUMBERLAND COUNTY COURT OF COMMON PLEAS
PROVIDIAN NATIONAL BANK
Plaintiff
VS.
DAVID A VELOZO
Defendant
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 ~nd 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#: 5437815003002634
CUMBERLAIqD COUNTY CO~I~T OF COMMON PLEAS
PROVIDIAN NATIONAL BAi~K
295 MAIN STREET
TILTON, N~ 03276
PLAINTIFF
VS
DAVID A VELOZO
112 N 33RD ST
CAMP HILL, PA 17011-2703
DEFENDANT
CIVIL
NO. ~/- ~292
~TION
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 s~lbject matter of this action.
2. The Defendant, DAVID A VELOZO, has a mailing address at 112 N
33RD ST, CAMP HILL, PA 17011-2703,
3. The Defendant is indebted to Plaintiff on the credit account
by virtue of charges or cash advances incurred by the Defendant or
authorized by the Defendant on a credit card or line of credit
owned by the Plaintiff bearing account number 5437815003002634.
THIS IS AN ATTEMPT TO COLLECT A DEBT. AN~ INFOP. MATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
4. The Defendant requested an account, account number
5437815003002634, 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 Defendant has failed to pay the amount owed in accordance
with the Account Agreement and has failed to pay the outstanding
debt as agreed.
6. The Defendant is indebted to the Plaintiff in the amount of
$11,532.39 as of 01/18/2001, plus pre-judgment contractual
interest at the rate of 23.90% per annum, less payments made.
7. In accordance with the documentation attached as Exhibit
Plaintiff is entitled to reasonable attorney's fees, and Plaintiff
will incur attorney's fees in the amount of $1,960.00.
WHEREFORE, Plaintiff demands that judgment be rendered in
favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the
Defendant in the amount of $11,532.39, plus pre-jud9~ent interest
at the contractual rate of 23.90% per magnum from 01/18/2001 until
the date of the judgment herein, plus reasonable attorney's fees
in the amount of $1,960.00, less payments made, plus costs and any
other such relief as this Court deems reasonable and just.
COIA~T I~ ALTEP. NATIVE
8. Plaintiff hereby incorporates paragraphs 1 through 7 above as
though set forth in full.
9. The Defendant received a monetary benefit, which was in fact
appreciated by the Defendant.
10. The Defendant accepted the benefits.
11. By virtue of the circumstances surrounding the request for
funds made, the Defendant knowingly requested the funds at issue
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
and/or knowingly and voluntarily accepted the benefits bestowed.
12. It would be inequitable for this Court to allow the Defendant
to retain the benefits of the funds or to be unjustly enriched at
the expense of the Plaintiff or allow the Defendant to retain the
value of the funds at issue without repaying the Plaintiff the
value of same.
WHEREFORE, Plaintiff demands that judgment be rendered in
favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the
Defendant in the amount of $11,532.39, plus pre-judgment interest
at the contractual rate of 23.90% per annum from 01/18/2001 until
the date of the judgment herein, plus reasonable attorney's fees
in the amount of $1,960.00, less payments made, plus costs and any
other such relief as this Court deems reasonable and just.
PARK LAW ASSOCIATES, P.C.
BY: ~~
VALERIE ROSENBLUTH PARK, ESQUIRE
PURSUANT TO THE FAIR DEBT COLLECTION P~ACTICES 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
T~IS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
VERIFICATION
HEATHER KOOREMAN , declare that: I
a designated agent of PROVIDIAN NATIONAL BANK, the Plaintiff
this action, and I
am
in
am duly authorized to make this verification
on its behalf. I have read the foregoing complaint and know the
contents thereof; that the same is true of my own knowledge,
except as to those matters 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,
!ate of California.
Date Designated Agent
PROVI DIAN
~ l~inancial
XHIBIT
Providien National Bank VISA® or MesterCerd~
October 30, 2000
..Please.~v. iew this decu~ment and keep. it with your other important papgre, This Accouqt Agree,ment cgntains the terms which ~oveF~ your Providian National
~:~nk VI~.A, .o[Maste~r~erql .Accqunt [the ,"Accoun.t"). The ^ccour~t, allo~ts,, you.to .re. aKa pu, l:cn~,se,s. Dy us, in.g your,VISA, o,r_'M,aste.~a,r~t card.(the "Card")
wnerever ~t ~s nonorea ena to clot caen a~ances tram us or any omar participating cnanctat insututton aha rmr. n Automateo loiter ~acnines. L;onven once
checks,may also be p. mvided ~o you as an additional way to use t~e Account. In this Agreement, "you" and -youi~ mean each person for whom we have
open,~ a credit caF:l Account, .'~/e,:' 'our," "ou~,' and "us" mean t"rovidian National Bank or its. assignees, as listed on your billing statement. The Account
may ~e.used only ~'er pa.~.o, nal. far~ly,.h~u, se.holo, and ,cha, dt.,~epumce.es, and not fo.r any buslqess or cgmmsm~al purpose, .Any u.se qf this Account she[!
consct~,te a, cc~..tance qt me terms o~ mis Agreement. tr me AcCount was opanec~ as a joint accoun[, we may act on me instructions m either joint
acccunmol~r, You aha we agree as follows:
Pay ,m,enffi. ,Yp~ wi}[ recejv, e a~ mqnt. hly s, tate.~an~[ showin2.you[ puts~nding belaDc,e. Pays, ant on this Ac~ognt is r, equi,red in U,S, .ctgllar~ (checks mu,st be
p~aole at a u.~. office et me cer~ me cnaCK )S arewn_on~.~or at least the payment oue as sncwn on you[, state.ant ay me payment OUe ~ate in acooman~e
wire. p.ayme,nt in,sffuctions on your monthly. ,statement. The, back of ye,ur st~temen, ts she .wa tJ)e ~ule. s we follow, when we p,ost paymeqts Cpn~nience che~s
an.q, othor...c, nec~(s we i.sspa to you n).~ not ce used to ma~e payments on your AGCCUn,t or tO ma~epayments on any otner acCount you BaYs with us or
,amlia, t~. 3ne pays, e. nt due wiu ~: 'z~ of the .n,~w ba!ence sfio.,wn on your .st~tema,.,nt Rigs ,the a.,mou~.df 9ny past gus pay,mil.hr, and re, ay i ,n, clude the amgun.t
Dy which me new celenca excaeas your credit itne. HoweYer, me payment sue will not ce less man :~1o ~.u, nles~ yottr new uelenee is less man $15, in which
case the payment due will be ,the amop.nt of the new balance}. If your ,A, ccount is past due or ,ab0veme c~,it/ine, we. may require a, higher .m. inimu, m
pay['n, ant,'but we will coti~/you ce~ore coing so, If your pa ,y~, ,ant is more than the payment, du,e~ it .w).'ll bg. ?.eaten a,s a, si~le p, ayment a~ none o~ it will
~)ti.e~..t9 futu..ra pay, merits '.due. We may, a~ .opt. ate or par al payments, or payments mamecl pai~ n rur or man~ea wiff~ omar restrictions, without losing
our ngnt to collect alt amounts owing uneer mis Agreement.
if you have made special payment amangements with either First Union or Providian, you need to continue making the agreed upon payments.
F[nan,c.~ Cha, rg,ea,.. Except. es de,ec~ .b.ed in the Grace P..efiod to.r.,P, grq, h. as, e Bal.ance ,sestip, n of this Agr~ement,..fin.a. nca ~harge§ ,beg[O to, a,,cc~e qn ,a debit
when it Is incluoecl in one m your aatl~t ~alencas ancl concnue until mat celance is reoucacl oye payment or crec~t. Your Account nas me tallowing oalencea:
The Purchase Balance, whibh ~n.s~st.s,of you[existing P,u[ ,close I~al, anc.e.a,nd new,pureness you make wit~ your.Card ~nd, fees.for c.ert~l.n optional
,se~cas; .qne. et mom c;ust, om ~;asn A~ance ~a~an.ces, w~cB cons~%t~ 9r cela.ncas t.~at yqu uansmr to your Accognt using oa~anca trans~r checks ar~
BalanCeS mat we transffer ~or VOU; ana the uasn AaVance Balance wn~cn conststs or all other cash advances anti c.,ash ab'vance transaction fees. Any,
~ymen,t amount we receive ~at exceeds the llnance charges and fees thud due will ordinarily be afl. lied first to ms Balance with the lowest Annual
~e,mentag. e, ,Rate {APR.), u0tiJ ~at Ba!enca is z~to, ,.a. pd thg. n to.the .B.ala,nca wi,th the next lowest APR, ufitil that Balance is zero, and then to any remaining
ua~ance, we reserve me ngm to apply payments ctmerency ~tnout rurmer notice.
~he pumhese, Cu~tqm ,C. ash Ady. enc,e, and..C, aah Advanpe, Bai,a~ces a.re re2t_ uceri by pa,,yme, nts as of th~ d~ta, received, ~d b.y cr ~ts,, a.s ,of the da~te, posted.
umnases are ~tuclea. m your ~'umnase ua anco as o~ me sam matte g;ustom caen ec~vencas are incluee~ n your '.;ustom uasn ~ance ualance as
follows: funds el_ecJ~ronical[y transmitted to o~,r lenders to transfer balaO, c~s, as of.the date transmitted; checks to transfer balances, as of the date
p.r ,~tgd ,to..u.s.. uther caen advances ,are included in your, Cash Adv,ance u ,at,an.ce as telJo .wa: c~s,h .a..dva,nces from o,the,r ~n,ancial instit.utio, qs and th.rough
Aut0rn.a. tea ol~.,lera, a.sof ~ d,a. te ,re.aaa; ue~. aav.,ence, cn,esK,S, m,.a~e pay,sole to y,o,u mat am ioenti~e~ as cashiers, .c.n.ecKs ~r~ maileq [o you at your
~o~ ~as F ~yen saYS a[ter'm~datewe"Pfl' nt on me'c'n,anK; ,alt om.er c,n~t~s, as o~. me dats pre.s~nt,~to us, Other eeoris are m..cluded m your Pumhase,
yu, stcm ~asn Ac~vance.or L;asn Aovanne ua anco as o~ me aate posten .~-].n. ance chef,Les ar~ acoea to your pu~hase, Custom uash Advance, and C~sh
day and are then p, ted on the eat of b,l ,ng cycle. -there ,s no grace paned for custom cash advances or other cea,
Tdeo figur, e the ~ily finance charae for each tree of Balance~ we start with your previous day's Balance. add all debits anti subtreot all credits for the currenl
y an,(~ m. ui~ply mf~ n~a_.n}, ou~'(',by the ~qpl~.~c~!e daily ~e. no. dic rate (see fq, liov4ngparag.r'4ph{~). Th~ f/n.,anc.e~t.rge for e,ach t~pe ef Balance is then ,a .,d(~
ma, nq)nclg.~(~ )n m..at ~y s)sa~ance~ we trp. at a c, .r~st oala..nc.e tar any aay eszer~., we ~,t,,armme me totalnna~ce coarges .on balances for
,cy~ _e by a.o~lng tggemer~e nnance cna. rgee. mr e,a,c.n' type p.f e~a ,a.n.ce ~.or eacn ,day w~thl,n th, e. buhng cycle..I.n..celoula, tm~ fi.n~n,ce charg,es, an.,ad~ustm, ent_wi
ee r,~a(,~e,, tar a,ny ~ra.ns~ac. ~on er payment mat wou a nave anecte~ me nnanca cnarg, e naloulation {n a prior o{l~{[~g cycle ne(3 it caen pg. sten in that c.y~e.
~opn.~ca~oen.daily perigee rate for such a transaction will be the rate in effect for me current biliimj oycle rather man the rate in enact on the d~ta of th
(~:~3r ~..,tar~e.,.n.t inclu .~ an. ~erag.e ~ily .be!aPse. for each .b/pa of Balance. ,Y. pu ca,n~m,u!tiply e.a, ch ave,rage daily bala.nce,~at is not zero by the number
.Ln. me oulmg..cyole ~ .me pai'i~lo ret.e, to ~tain s. ubtota)a, an. ti then a.dd me su~totas ~emer to go,ermine your total nnanca charges on balances
Iillng cycle. I! a cas~ aavance transaction fee ~s cna~ged, mat amount ~s also a nnanca charge.
The te.~m "Pti .m.e Rate" as used in ~e Agmeme .n,t mgans t.he_highe.st ptim~e.rate pub! sh~ ri. the ..Wat~S~,e~ Jo.urea o.n ~a first ,bus ne, ss day of the previ,~
.calenear m~.m. Any, i~raase or degrease in me Annua ~ercen~age t~ate w II taxa enact on me nret eay o~ your biuing cycle aha may result n a s c
increase or ~ecmaea In me amount of your minimum payment.
.The, AN .N. klAL PERCEI'fI'AB.E. R~.TE { ,APR) forj3.tLrch, aeas may va~ and ~ be ac~ust~ e{ich billing cycle to ~1.3.4% above P. fime. Rate., but will in. no
~s,_e%s..m. an 21.9%. Using mis ~ormu~a, the ~[PR tar pomnases in the ,october 200~ b~lfing cycle is 22.9:~, corresponang to a aais/periodic rede
u.ubzf4%.
The ANNUAL PERCENTA6E RArE for cash advances is 21.9%, corresponding to a daily periodic rate of 0.06000%.
If w~ receive your Account ~wment late 2 er more times n any. 6-month~od, on each such occurrence wa may increase the APR for Dumhasea ~ 1
m_a~..mum o.f ~2~3=.~ ,(ex~sl~or~.'ng. to a, ~ily pari..odio Fate, o~f~e0s6~o3~%)~ a~nd increase the .AP.~ !or ce.ah advances an~d custom cash. advances ~
max~.m .u.m.gr z,~.~u'~ t~nang to a ca~sy peno~l~, rate o~ u.uo:~ ~. nater you r~eive me h~gnar rates your pawnents am receive<3 on time eno
..m.~(~a_[~__o..m~_.r._t~e~_ s ~_~,~ ..a~g~mem.ent..for 3 consecutive months, you may contact our customer S'~n,~ce department'and, at your request, we will
yuu, t.~.~Junt ~or a pceSIDle At"~ rec~eccon.
Graea Period for Pumbaee Batanoe. NewDumh~ses peered to your Account in billing cycles with no p. revieus balance., or when theorevious balance
fullypaid du~ng the wcle, do not .b~g.in to in~ur a tinance charge unti the start of the next'biffing cyola. You will pay no nnance charg~on ,such new.
pu~eas ~f you pay ~ tot~{ new b~.laDce n. .fu, by .the payment due ,date shqw, n on yqur statf~ment~ New pgm~ases posted in any other oilling cycle
a nnence onarge, and there is no pa~o3 n WhiCh soon pomnases may ce repaid without incumng a nnance charge.
Feas, ,We ,may charge your A.ccount $0 for,. e.ach .Card yo.u ask us tg,,.r~31ece;, eaoh ~etum~ paym.ent; ea~ch check you w~ts on, your Acco, unt that we ~
u.n~l~; 90c, n stop.payment oroer pr renewal gl ~cn. an q. rc~r;.each Dh~in.g oyole?ithm ~hio.n your AS:COUm is delinque,nt (l~t,e.,c..narge~; eno each billing
~_m)n. wnson your .,oalan~ excaeq,s your.c, mdit bna love. remit Tea.), ev~.en ~.your. Bc_cgunt is,closed,, iT you .request cop~es or eliding st~ternents that we~
~,~t to you more man mree months ean~er, we may onarge a nana~tng tee ol ~2 tar each soon oopy. h you request that we make a one-time auto
(Cent/hued on reverse) (5846-0698) 5437815003002634 1532 5~
pa .y~..en.t.~.fmm. your pa..mona ,ch,ec~jng ,accqunt, we m..ay,charge your credit. ~rd a,ccount a f,e~. of $4,.9~,for each r~quest. This fee is a FINANCE CHARGE.
aaa it wh~ apply raga~ess or wnemer runes are avei~so~e in your persona cnacK ng account to make [ne payment,
..We may cha. rge a transe, ct. io.n fee of 3% (m~mimum $5), which i,s .a on .~.ti,me, FINANCE CHAR.GE on the .an~pu~t of ea,c.h cash advance including cash from
Tinancia insntutions, ann A/MS, Wire transmrs, money oroers, lottery tickets, casLno gaming cn~ps, ann similar transactions.
Default, You will be in default: if any nfom3a.., tion you prey d~..us p.m,v, es tp be ,inca .mpl. ete ,or u.ntrue; .if. you. dp.. no`t. comply ~ any pa~ of ~is. Agre~ment;,
.upp. n.your death, bankruptcy, or insopvency; ir you aa not pay omar ~b~s wnan g, ue; il a Dank .mp. tcy. pa~tion ~s t~ oy ~>r .a, gam.st you;or ~T we.. oa~eve m, gouo
t~ith. Jnat you may,not pay or ~fform ye, ur, eSl gations ¥.n~r th, is Agref~. meat,..tf you,are in aeTau~t we, may, ~[no. ut term,er .ceman(3 .or ri. atica, ~.nce`L ygur
creo~t pQwle~es, cecmre your Accoun~ Daanqp immso~axepy, oue uno p, aya. oJ~ an.q use any r.,em_ej;~y, we m~.ay nave. ~D me. .e`,~en.t or your cerau~t~ me
,outs~h, di,ng ~alense on. your Account shall continue to accrue interest at [ne APK(s) discloseo in [ne ~-inance ~Jnarges section or [n~s Agreement even if we
nave t)~es su~t to co sc~[ne amount you owe.
Cr~i,t Line..Y. ou~ credit ne sspac fl,ed from tree to ti,ma, n a. s~.mte nptice..Your mqqthly s.ta. tements show your .c..mdit lin,e a.n.d the a.m. qqnt of y,o. ur
avai~a~,e oredjt, we may increase or o~craase your credit ~ina oase~ on imo~ation we ce&~ina(3 tram you o..r yqur q ,m~3it recoros, you,,r ay, a{tao~e credit is
,normally the al. iff.oran, se betwee,n, y~ur credit I ,ne, ,and yo,,u.r A,q~ount balance [inc. lu.,~ng, tranea.c,~lo,ns maJ~ or aptnopzeo ou..t not yet ~,s~eo). If,.you se,nd,us a
~arge p~ment checK, we may.{imLt your availao~e cmoit `white we confirm [nat t,r~. c, necK w~l cleer. ~-or cena(n .~ransecao..ns~ ,avalap..le creo~tmay ce ~ess.
You wa not use your Accounf for, and we may refuse to honor, any transaction vm~cn would cause you to exceeo your avaLsom credit.
Promise fi> Pay. You p.romi.ee tp pa.y us when due,all, amounts berm.wed when yo, u o~ ~meona.else u.se yopr ,Ac..coun&(~van. i!.th@ a.r~ount charge, d
axc_e~_.., your pan, lesion), all o[nor ~nsections eno snarges to your Account, aaa c,o?ectton costs we incur inc~ucang, out not itmtteo to, reasunaom
attorney s fees aaa ccurt sests. (If you win the suit, we will pay your reasonable attorney s fees uno court costsj
Cha, ng~ Alter we pm. vide you .any no.~ .mqu red by .aw, we n.~ay change any p,a~ o.! this .~gr~.m~nt and a,.dd o.r romar. ,s ~quim~. ant.% f ..ach, eng~
maceto [ne Finance (Jnargee section of mis Agreemem, me new ttnanse cna~e calculason will apply to your entire Account ~a~ance tram [ne enact{ye i~ate
of ~e cha,nge. C.,han~es w]l) apply to balances that include items posted to your Account before me date of the change, and will apply whether or not you
continue to use me Account.
.F,e~ill~,.Exchange/Curreacy C,oaver$.ien f you use your Card for tmn,`sactJ,on.s in ,a curre.ncy o~er the9 U..S= del!am, the tm.n, sec. tions w~ll be converted to,
u.~. ou lam, genera y us n~ ei[ner a (i) govemment-rnandated mia or t i) wno~ese)e merest rate in e~ect me cey ~etom me ~nsection is processeo,
in[:rease~, by .m. rea pemant (3%) f a c~Jt s. eubs.~uen, tiy giv.e,n fpr a ~ne.ao`tion, it will ,be dec[eas~.~y the came percer~t.a, ge. The c. un;,ency co~ye.m,o`.n
~l~a~sS~ec on toe converaioh data may a~er from [ne rate in enecl on [ne earn you uses your uare. You agree to accept [ne conv~eo amoum in
the C~r~; ..Caacall,,afi>,n, You m,a.y cancel your predit privil~es at any, ti~e by, n. otifying us in w,d.[ing~and,dest'roying the,..Car.d(.s). Upo,n the .Card a,~i~tio,n at
e eno o~ [ne manta snown on it, we reserve [ne ng~! not to renew[ne uare. we may cancel me t~am ann your creo~[ pnvttages at any ~me alter ~ oays
notice to` YO~., or ~thou.t n. ofic,e if perrp, it[ed,by law.~f y,o, ur Caq:l .is can.ce.[l~ .or not ren~aw.,ed., flnapc~ ch..arg.e{.end o`ther, f~s ~11 conti~..e.ta,, be asses..sed,
payme, nts .W~ll con~nce to De oue, eno a~ omar applicable provisions Ol [nlS Agreement wa roman in eTlec[./r yOU telT~, in. ate` your creel[ pnvlle~.es, or i! we
cancel or aa not renew the Card, you may no longer wits checks on your Account, and you should destroy any unuse3 cnacKs we have msueo to you.
Peru, anal I~ermatiea; 13.ecuments. You .will ptovi,,de us .at, Isest 10 ..days,ri.atica if you. change yqu. r name, ho.m. e or ,m. aj{ing ~ddres.s, telef>hon, e num.,bors,
emPlOyment or income, upon our req.uesi, you wi, provice us additional nnancial informa~on, we reserve me right to obrain inrorma~on item amore,
in.c~{.udi.'ng c, .mdit reporting agencies, and tp proyide you. r a~ress and. infprmation..~,bo, ut yo.qr Acqo`,unt to.9.the, m. ~e may al.so. ~b,,are {nfo~tio`n 'with qur
.,a~.~setes. Ho`waver, you may write to us at any nme nstmcl ng us not to snare cre(3t mormason ~[n our a~t tares il you (3o not lure ~ your ce~ gations uncer
mis Agreement, a negative cred{t report that may reflect on your credit may be submitted to the credit reporting agencies
Cusfi>mer Service; Unauthorized Use, Loss. er Theft of Checks er the Card. Each Card must be sign. ed on receipL You are responsible for
.sefeg.uardthg ~.e C~rd, your ~.P...e.rsonal Ic~n.tification N~um~er ['PIN',.which provides ~rA..es.s to A~ton~, a.t.~ Teller Machine~).an~t any qhe.cks iss.ued to yo~
.r,rom me~t, aaa Keep~r~ y~ur ff~N separate ~rom your (Jam. ~r you ascover or sa.spec[ [nat !~our ~Ja~. ~l.r~.~ or eny unuse(3 ChecKS are test or stolen, or [nat
mem.. m,~ be an ui3,.au,mbrized trans~.~tion pn your A~.unt, yp.u will,oron'~p, tiy no. tlr.) u`S, by ~lling, ,1-8.0u-933-.7,?.21. ap we can imraY, ia. tety act to I!,m. it lusts
,aaa i~so!!lty~. YR,.u Will p~. us even [nougn you may also notif~ us ~n wdting, ~ou will not oe [~ao~e ~or unaumod~ec use occurring cetera you notify us or a
~o~ .or [ne~t n you report or 'we su,~Dect una~thonz~ u, se el ~ur Acseunt, 'we m..ay.suFpend,, your predit privileges ~ntil we_ resolve the pmb em to our
setisraction or issue you a new Card.' {f your ~ard is lost or stole)~, you ~l{ pmmpay cee~y a, cnacKs in your possession. /o improve customer service
and security, you agree that your calls m~y be monitored or recomeo.
~a~.hant Rel,~>.~s. We will not b.e ~i.ab!e if any, perso`n or Automat .~ Tell,er ..~a .c, hine- refpses.to honor the .Card or ~cc~pt your c .h~cks~.or fa, ,s t.t.o ~etum the
.to.you..we nave no m~ .I~. sipil{ty tar gooos eno servi, ces pum,.r!ase~ with [ne ~am or cnec~s except .as, .mqui. reo ay law. [~ .b.'pecial ~u~e below.'
C.e..rtain cei'~ants that,are av.a[lable w~th the At. aunt are provided ay third-party venders. We are not responsible for the quality, availabihty, or results of an!
or [ne Se,~VlCeS you crlouse to use.
,S, .!~1~ Payment Ordera.. If, you wish to, stop payment on ach. eck, y.o`u.mav send.us a st.op p~y~nent order by writing.to.t~§ at our add~, ss for customer servic,
[iste~ on.your .a~temen.t. ¥ au .can make a ,stop p.a.~e,nt or ,~. r o~lly .b~, ~alling .[ne .numoer ,~tsted o~) your .st,arums,at..wne`n ~ou make a .stop paymant.orde
you must p,re~.~e your Acc. o..unt numaer an(3 ~cecl~c.. mto~,aaoq apau[ ina, cnac.~: [nfl.exact amount, [ne.~te on [n,e snacK, me name of .[ne p.a.:fly to ,~nom
~,.es payola, me name o! [ne ~mon wno.s~ne~ ~t, and t.h.e snack nu .n~e. r. ~pu w~ll be asked to connrm an oral stou payment order ~n Writing. We r~
~. sraga..rp yo~.r, ora.! order !.f ~we do not.race=,~,~ a. sigh~...written,con,.rrna.ti,on ~.thiq. two...weet~,s a~t, er the qLa,.I ~ o.r ~ we ,have not received an a.deq~a. !
ce~'. np.~on or.[ne ![e`m so [nat..paym...e~t.~n ~ stop~,. ~ r~ om~r w~t not oe` e1~ ,ectN. e it [ne`.cn~.K was pa..to o~ us ~.~ore`we na.q a re~oname opportunity
act on ma o,~r, we ri'lay, Wl[nO~[ IlaDlll[y, olsragam a w~ttan s~op payment oroer s{x mantas a~zer recapt un{ess ~t m renaweo ~n wn~{ng.
fhStaen, dard e.f. Care. Beceu .,~..th s.Account in~.lves both c .mdit card,a~ chwk..tren, s~,.ction,s, .which are proc .~ ~ separate nationa systems bela
.man,~aq, pon,s..are conso[ioateo p.y us,. anp eecaus~ not avery snack .ano ~aro alp. witt oe sent td.us, transec~qp~ in yo~r Account will be process
mecn~n~l~y w~mo~qt our n, ec~anly re¥1.e.~ng eve`p/Item..Ou.r pisoss,$ng ,system ~}1 ceil.o, ur.atteqt{o~ t~.csrt, ain {to.ms ~fl~ch we`, .w. ill examine. We
.examm.a, att .tr~nsec~,ons .wrwn you.Legort [nat ypyr..u, am or checks nave aeon ~ost or stet .an.. wa de not tnt~ng o~.n. ari~y to. ex{ninths .a~t ker0s, aaa we
~ nag~g~. ! I! .w,e.~,not.oo so..{ms rule es ..~lsbes the s~r~, ~ of, or~na.[3' ce..re whic. b we,.m g ..~., ral~ w~ll .e.~lse La. a.,dmmlste.,n,ng your Acco~
~,ece,u~ o~ ourJ~[n)teo .re~e~, .an(3,oe~ause ~[ne`r your .cance~l.no cn.~nor uaro ~re ,n ,~. c, .~ on a~ ~, ce .m.~meo to you w~th
snoq~ ce ,.nav..to enter a.l~ cpec.~s {n your q,n.ecK..mg~srer, or om.e .~se ~(s(~p a,recq .m or ,m..em..'~ou s.qo.u~g also save y~r qredit, card
pureness a~ps. You agree to cnect,, your mon[nty statements against your renom uno to notny us tmrneo~ate~y et any unau[norized tmnsacaons or errors
Waiver of Cert~.ln Rights. ,.We may delay or waive enforce.meat of any pm.vision o..f ,this Agreement, wi,thout. Ips)ng .o,u.r ,n.'g,h,t to enfqme it or .any et
provi~ion let.er. YOU w~ive: ,me right to prese`nt,7~t, ~.mano., pmtest~, or notice of dishonor, any app~ica~e statute or m ~ations;
nave to redu~re us to prcceeo against anyone cetera we me suit against you.
KA~?licable Law; Severability; Assignment, No matter where you live, th s Agreement and your Account are governed by f,ederat
h~pshire law This Ag. raem..~t s. a final e~.~, sion o,f the a~raement I~etwe~.n. you andes and.may ~t ~ confrere,ted by,.e~viqe?~ o.f eny. a{lag~:f.
,agrser~n.t'. if any provision o~. tpis Agra~men(is held to ee invaTd or unemomeeole, you en(~ ~f~ wi, constcer [nat pmviaon martinet3 to comorm to ap~lic
av~ .a~.o [ne re.st.bf the prov]s~qnsj~ !~ ~gme,ment will. still, be enfomee,ble. At any tiF~.e a~er we dot.e, .rmin. e n good lath, ~at any proposed or en~
agls.~ason, regulatory ac~.~on, or Luoicia oec[s~n nas ren~reo or may ran~r any mateda prpvisioos of [nis Agreement invatio or unentomaable, or i.~
any I~cr~,..sed~.tax,..repg..rting .m. qu!r, em, ant, or oth,e?,bu~rden, n cpnnec[on ~th aoy such..p, rov~aop or i.ts enforcement, we may, .,after at leas~ 30 days noti
you, r w~mout noses il parmitteo ay mw, cance~ [ne uaro uno your uredit privileges, we may [mnsrer or assign our right td alt or some or your payme~
PRovIDIAN
Financial
st~.te !aw re.qu, ire~s tha! you receive notice of such an event to protect the pumhaser or assignee, we may give you such notice by filing a financing statement
wire me stata s ~ecretary of State,
Notices. Other notices to you sha~l be effective when deposited in the mai addr.e, ssed.to you at the address shgwn on our records~ un ess a longer notice
pefind is specified in this ~,greement or by law, which pah~o~,,s, hall..sta[! upop mailing. No,ca to US shall be mailed to our address rot customer sewice on
your statement (or other amresses we may specify) an(~ snail ~e ewective wnen we receive it.
Your BILLING RIel-ITS- KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your fights and our responsibilities under the Fair
Credit Billing Act.
~l,#~J.~S in Case of Errors,, or. Ou,~,. ~on~;,Abo.qt,Yqur ~ill.~ If,,you.think your bill is wrong qr.i,f y,q[/,nef~d more n formation about ,a.n..v transacf~on on your
??re, us on,~a separate sneer, at the aooress ~steo in me uil#ng r~ights ~ummary on your al#. W#re fo us as soon as possible, we must hear from you
no lamr than ~,u days after we sent you the first bill on ,w, hich the error, o.r problem appeam~ Yqu,,can telep,hon~, us, but d~in9 so will ~ot p .re. serve your
dgh, ta. tn, you,r, tetter give us the fol[gw nQ infoEmat on - ~our name anc~ Account number. -- ~ ne eo tar amount of me suspected error. -- uescfi~e the error
ano explain, ti you can why you believe mere is an error, f you need more nformat on. describe the tern you are not sure about.
~yo.u ha.~e authodz.sd us to. pay your.credi.t ca~b I a.utomaticatJy frgm,your`,check, ing a,~ount, you, can ,stop, t. he. payment on any amount you think is wrong,
o stop me payment, your letter must reach us mree eusiness oays Deters me automatic payment is schedule(3 to occur.
Your ,Righ,,ts and .Ou.r. Res~.o.n,.sibilitJes After We R,.~e, ive Your Written No6ce, We mus,t a,c. know, le(~. ,e, your otter wthin 30 days, unless we have
corremeo me error Dy men, wimin 90 deys,.we must eimer correct t~e error or explain why we oetieve me Dill WaS correct. Nter we recatve your letter, we
~, nnot try to. collect any ,amount you,question, or report you as delinqu,ant .We can cent hue to b I yog for .the amount you question, including ,finance
cnarg.e.,s .a.,n~ we can app!y any unp;a, ie amount a, gainst your credit line. You ~o not have to pay any questioned amount whse we are investigating, out you
are s'ti~ o~tigated to pay the parts or your bi that are not in question. ,
If we find,that we made a mistake on your bill you will not have to pay any finance charge related to any questioned amount, f we didn't make a m stake
ygq may pay~ to pay fir!anco charges.,..and,ypu.,wit! ,h.ave, to n,~.ake up'.t,h.e m ss~d paymen.ts o,n, th,e questioned amount n,e ther case, we will sand you [4
statement or the amount you owe an(l me ~te mat t s oue.n you ~a to,~ay me amount we tn nK you owe, we may report you as delinquent, However, if
our ~q31anation does not satisfy you and you write to .us within '10 days,teeing u,s th,at you stil re. fuse to pay, we must te!t ~yone we r,,~ot:t yo.u.to that. you,
,qu,es~on your,bill. ,And ,we m,u, sHel! yp,,u,~,.e na,,me o~ a, nyone we ~,,ml~_~eq you J,o. ~ m~..st te aqyone .we r~.rt you rg mat !he mat~er nas Dean semeo
Detweenuswnenitllna yis. tweQontrollowtnecerules, wecantcotlecttnerirst;~.au oftnequesttonedamount, even ir your di{I was cotmct.
,Spec'mi, R~lle for Credit Card Purchases. If you have a prdp. lam with the quali~/of the prq~., rty or services that you purch,~sed with our cm.dit card and you
,nave..tri.,ed, in good .f. ajth ~.q .co ,n~, t the pr~ .em'with ~e rperchaqt, you may not I~ave ,fa, pay ~,e remaining amo,unt due o,n [ne.go.ec~.s or s.s. ~ces. There are
~o i mltaaons on mis dam: ta,~ you must nave ma<3e me purcnase in your nome state, or ti not within your nome state, within 100 miles of your current
mai ing ed.s; ~md. (bJ'the.p.u~.,hase prise, must have been more than .$50. These limitations de not apply if we own ar operate the memhant, or f we
ma myou the aOverfisemem rot me property or services.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
PROVIDIAN NATIONAL BANK
Plaintiff
VS.
DAVID A VELOZO
Defendant NO. 01-2292
ACCEPTANCE OF SERVICE
I, JOHI~ P. ABRIOLA, ESQUIRE, accept service of the Complaint on
behalf of Defendant, DAVID A VELOZO, in the above-referenced matter.
CARNEGIE, PA 15106
I23
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
PROVIDIAN NATIONAL BANK,
Plaintiff,
V.
DAVID A. VELOZO,
Defendant.
CIVIL ACTION
No. 01-2292
PRAECIPE FOR APPEARANCE
Filed on behalf of:
Defendant
Counsel of record for this party:
ZAN IVAN HODZIC, Esquire
Pa. ID #25006
HODZIC LAW OFFICES LLC
Suite 308
1100 Washington Avenue
Carnegie, PA 15106
(412) 429-9520
(412) 429-9541 FAX
Our File No. 101-0604Z
IN THE COURT OF COMMON PLEAS OF ALLEGHENY COUNTY
PENNSYLVANIA
PROVIDIAN NATIONAL BANK,
Plaintiff,
CIVIL ACTION
No. 01-2292
DAVID A. VELOZO,
Defendant.
PRAECIPE FOR APPEARANCE
TO: Prothonotary
Kindly enter our appearance on behalf of the Defendant, David A. Velozo, in the above-
captioned matter.
HODZIC LAW OFFICES LLC
Z~afi~l~an Hod~ic, Esquire
Counsel for Defendant
CERTIFICATE OF SERVICE
It is hereby certified that a hue and correct copy of the foregoing Praecipe for Appearance
was served, via fax, this 6th day of June, 2001 as follows:
Valerie Rosenbluth Park, Esquire
Park Law Associates
25 East State Street, Suite 101
Doylestown PA 18901
_.~- Zan ivan Hodzic, Esquire
VALERIE ROSENBLUTH
ATTOP~NEY I.D. # 720~ C
PARK LAW ASSOCIAT~E~, ~ ~
25 EAST STATE STRF ' '
DOYLESTOWN, PA 18~1
(215) 348-5200
ATTORNEy ~DR p/~INTIFF
BOX 1779
CUMBERLAND COUNTY COURT OF COMMON PLEAS
PR~IDIAN NATIONAL BANK
Plaintiff
VS
DAVID A VELOZO
Defendant NO. 01-2292
PRAECIPE TO SETTLE, DISCONTINUE AND END
TO THE PROTHONOTARY:
Kindly mark the above captioned matter
discontinued and ended upon payment of your costs.
settled,
PARK LAW ASSOCIATES, P.~-~'~
BY: ~
VALERIE ROSENBLUTH PARK
I7