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Home My WebLink About01-2298VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAWASSOCIATES, 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. ROBERT E THOMSON 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 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#:4428003001246982 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK 295 MAIN STREET TILTON, NH 03276 PLAINTIFF VS ROBERT E THOMSON 5073 RITTER RD MECHANICSBURG, PA 17055-6921 DEFENDANT CIVIL NO. ~/~ ~CTION 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, ROBERT E THOMSON, has a mailing address at 5073 RITTER RD, MECHANICSBURG, PA 17055-6921, 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 4428003001246982. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 4. The Defendant requested an account, account number 4428003001246982, 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 $5,794.30 as of 01/05/2001, plus pre-judgment contractual interest at the rate of 21.99% 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 $985.00. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $5,794.30, plus pre-judgment interest at the contractual rate of 21.99% per annum from 01/05/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $985.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. COUNT I- ALTERNATIVE 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. A~Uf INFORMATION OBTAIN'ED 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 $5,794.30, plus pre-judgment interest at the contractual rate of 21.99% per annum from 01/05/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $985.00, 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 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 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VERIFICATION I, HEATHER 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 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 true and correct. Executed at Alameda County,~ Date Designated Agent the foregoing are ~State of California. Providion National Bank VISA(~ or MasterCard<( Account Ag ~meman,t for Robert E Thomson uecamoer 8, 2000 BPlease review ~is duou..ment and keep it ~t.h your .o.!h~.imp?tant ,palp,ers. This A. ccoun, t Agree.merit c`ontain.s the te~rm~.~w.hi~ cjo. vep y. our, Pmvi.di..a.n N~a~tio n,a.! ank VISA or ~4aster~ard Account [the Ancounr ). Ine Accoun~ a~ows, you to m,a~(e pu. rcna.s,e.s, ay us,~0g you ,v~A. o/~,,asta, r~a,rg care,,{ma wherever it Js honored and. to (~et cash advanc~.fmm us or any other partic~pati,ng ll,na~clal mstitutlgn a,no ~ ,m,m Au[omatee/a,t~' Macnt.nes. ,~onvent,ence checks may alas be p. mvlded'[o you as an. ~ddit~.ona ?,,ay.to uss the Account. m th~ Agree.m. ent, i'You ano ~,o. ur, mean ~.c,,n. per~o~ rot v~m_o.m we nave o~ened a c~'edit card Account "We ' "our, ours and us mean Previdian National uan~< or its ass prises, as ,alee on your ~)[~ ng statement the Account r~ay ~ psed only for pe.m.,on~l, femi{y.h, ou.sehol;::), a.nd.c, hadtab!e purposes, a.~ not for any business or commem~al purpose. Any use of this Account shall consstute acceptance of me terms ortn~s Agraemenr. You aha we agree as m~ows: Payrp. ,en~. ¥,o~u wi!! race ye a. mqn~ly s. ta~men.~ showing.you['. ,outs.ta,,,nding balan, c,e. Payment on this Acc/:)~nt is..mqu!red in U.S, .~lla~ (chpcks mu,st be payed e at a u ~, on' ce of the ~nK me cnec~ is ore .wn.,on),tor,at I.east me payment qua as..snow, n on yo.u.r, statement ay me. paymem, aae..cate ~O accor,can.ce ~m ~ymant instructions on your monthly statement. ~he OaCK O~ your statements snow. s m.e ru~es we m~ow when we .pg, at paymen, rs. (.;.onveme*.,nca CheCKS and other checks we ssue to you may no be used to make payments on your Account or to ma~e payments on any otner account you nave yam ua or our affiliates The ~vment due will be' 2% of the n@w balance shown on your statement plus the amount of any past due payrpept, and may include the am,opn, t by whic~ the rie~ balance exc;~ your credit line. However, the payment due will not be less than $15 lun ess ygur new ea~ance s less th,ap ~ 15, in wn cn case th@ ,payment due .w.)ll be t. he. amo,unt of the. new ba ance). If your .A, cco.u, nt is past du.e or..ab..~. ,e 'th.e c.m~.it line, we may requ. tre a, nigher ?)ni.m..u.m paym., ant, ~,~ we wil notify you ~e~ore doing so, !t your pays,em is mo.ra man me baymant.aa,e~ ~[ .~,~ ~,[~atac~ a,s a, sLn, g~e p. ayman, t a.n. c~ none.pr ~[.~l~ ne applied to future payments ~ue. We may ac,ca, pt ~ate or parca~ payments, or payments rear, aa pa~o in ru~ or marxea w~m omar resmccons, w~rnout ~os~ng our dght to collect ail amounts owing under thi~ Agreement. F[nan.c.e Cha, rges: Except. as da,ss,n.'bpd.in the Gra, ca ~riod fo~' P.,urqh`as, e Balance.secti,o.n of this Ag .mement,~.fin.a, nse .~harge~.begio to. e*.ccrpe en p debit when [ s n~u~.~ n one o~ your ca ~y oa~ancea aha continue until m~.[ ealanca is reoucao ay a payman[ or, cma.~. Your A~soo, um n`a.s me.~o~low~.ng oa~a..ncas The Purchassualanca~ which consists of your existing Purchase u. alanca and new purchases you m,a~(e w~,m your.c;a.ro ~nq rees.~or c. ena[n op[~ona! sew cea; one or more L:ustom Cash ,,~dvanca Balancec, which, cons{s!s ,of bala.n .~s [ha.t, y~ transt,er tp your Acoo.unt u, ang, DalanCp ~'ans!pr C.n~KS balances that we ~nsrar mr you; ancl ~ ~asn Advance ualanca WhiCh consists or al~ omar cash advances ano cash aavance ~nsacaon mas. Any Eayme.nt amaur~t .w.g.~ce v.e*, mat px,ceeds me ~nanoe, ,ct~arge.s, an...d !ees the,n, ..due will.`o~inarily._b...e a~.li.,ed .fi~t. to the Balance ',F!,th the lowest Annual ~emanr. ag.e..Ram {At-'K), until that Balance is zero, aha men to me uaianca wire me next ~owas[ A~, uhtil mat ua~ance is zero, anoman ro any remaining Balance.we reserve the right to apply payments ~ifferently without further not, ca. i~hue ,Purchase, Cu,stom Cash Ad~anca, anq[.C,ash Advanc .e, Bale.noes a,re re(.~c.ed by pq, yments as of the, c~te, mc, pived, a~d b.y c~dits, a.s `of the ~ta. posted. rcnasea ara included n your Purchaseualance as of me date mace. ~ustorn CaSh anvances are In``o!uq~ m your ~ustom c;asn Aovance ua~anca as fo lows funds e ~.tron csl~tr,anem ttod to ol;l~,r lenders to_. trpn§f~r baian~ca.s, as of.~.e date ~nsm, itted ch. ec~rs !p ~nsfer ,ba..laq,,ce~.. as of ~ date ,p. re. ssnted taus. Omar cash aovancas are Jnc~ucao in your uasn Aovance ~atanca as ro~ows: c.p~n `a. wa.ncea ~re~ o,mer. ~n.anc~a~ .ms~qns aha ~n~ugn AutomatedTpilers, as of th.p data made; cas. h. adv.,ande.ch,~ks., m..ada ,pay.able to yo..u tho.f: ara i(:en, ti~.~ as ca_§,n~ers, c.n. ec~rs anq m.a!ee to yo~u ar, your r_~uast, p.s at seven days a~rer the date we...pnnt on me.cnec~(; `at~ om.er c.r~s, as o! rne date pre,ss, nt. ea to us,_utqer dab~ts ,are i~u,de~, in your t-*u~n...a~, Custom ~ash Advance_or Cash Advance ua once as o~ the cate pos. te~. ~*j~nca cner~,s are. aaaea to your yu,m. nase, c;us[om c;asn Aovance, .a. na Advance Balances each day and ara then posted on the last day of the bll ~ng cycle. There Is no grace penod rot custom cash advances or omar casn advances, T,o t~gu .rp th.e ~ily finaqce charg`a fqr each ~ of ,Be*,lance, w..e s~rt .with y`o, ur,previous day',s .Bala~nca., add all,debits, and sub.trect a. ll,.c ,mdits fpr.~he au.rfp, n! cay anq mult,iply me net amou..n[ Dy me .ap.p~lca~e oa~ly p.e,n .ocltc rate ~sse rottow~ng paregr.`apn,s,~: m.e ~n..an~ .on, a~rge ~or e`acn type at, ~`atance ~.s tn. pn .a ...c~ to and nc ucaa n that day's r~alanc:e, we treat a cr~dt balance ~or any day as ze.m.,, w..e ~,r,.ermlne,rne tora~ nn, a.qca ~cnarges ,on camncas ~,pr me D!llm.~ ,cycle by a. dding tqgether, tt~e finance choreas for ~,c.h type ..of Bal`a .n, ce.f. or each ,day within tn.e. oilling oyes. j.~.,calou~a,tln, g n~.nca cnerg.as~ pn.`aq[ustrqent.~, ea maea tar qny ~nsac[ on or pa~. nt lhat wou a nave a~ecrea me fine.ri, ce c.na~e caoulafiqq.!p a prio, r oill!.ng cycle q.aa ~ Dean pg.s[ ,ee m ,ma[ c, ycle..Lne .applic~le da~ly periodic rate f6r such a transaction will be the rate in an'ecl rot me ourmnt el,lng cycle tamer man me rate in en'ecz on me cate or me ~our sta.tem, .an, J nc u,des an, ~verage ~ ly ~l. anc, e. for ea.c.h .type of B,`a)anca.. Y.ou ca.n.m.u!tip, ly ~ch `average ~ily balapcp.~al is nof, zere by th,e n, umber.of ys n me o ~ ng cyo~e a, na ~e pa~todic ram [o ootain ~unr. o[a.~s, aha men aaa me su~mra~s [ogemer [o oemrmme your tota~ ~mance cnarges on panances mr the billing cycle. If a casn aovanca transastJon fee is cna'ged, mat amount is also a nnance cnarge. .ee re, tm 'Pti ..me Rate' as used in tt!,e Agreen3en.,t m.eans ~e..highe.st ~ m~e.rete.gu.b,lishe.d, in. the .W. all~Sl~ee.t Journal op.~e first ,business day of t..he, previgu, s. ncar manta Any noreass or eaoreese n me Annca i-'ementage t.(ata w~nta~e enact on me rlmt oay o~ your Pilling cycle eno may rasult tn a s~tgnt ncrease or decrease in t~e amount of your minimum payment. The ANNUAL PERCENTAGE RATE (APR) for pumhases is 5.99%, con'esponding to a daily periodic rate of 0.01641%. [oheANNUAL P~ERCEN~T.AG, E RATE for custom cash a..~ances inthe Custo.~ Cpsh A,dva,nne.[.1. t}a ancp may vp~ `and wi I be.pdju..st~ eas~h b, illi.ng c/cie .3.,.62,% at~ve,~riE~e ~.a,te, ~t~l[ in, no eve, nt.be.l~es..s..~an ~2.12% ,.Usi.ng thi,s.!om~u!a,,.me ,.?a'~. [or..c..u,q~Lo~m, cash aovances in me c;us[om c:asn Aavance ~ ualanca ~n me uasemoer zuuu al,lng cycle is 3~.3z'~, correspono~ng to aea y panoac raze o~ u.u~o"~, You ,c,an,arrange to h.,ave a va.dable .APR.fg*,..custqm cash advances (]~.,.)an.ce t.m, n{~fem) in theCus.torn .Cash ,A. dvano, p it 2 Bp!once. tha. t is lower th`ap the, weign[ee avem.-ge.of me non-introauc[pP/A~ you navg. ~an pay~.n.,q.~ me total oaancas ygu. LD. ave ~nsrarr~ m~m omar c.,radi[ ~ca~, re~ai~, and i~sta~tman[ pc,counts provi,Eed yqur o~hor a.~ounts, wem. ,o~ in/.~e, caL'n.~r.2uu0. Ip calcqlatipg this ,=e..~. we wi.il ~akgintp account me At;'.~ on the.creeri `a ,cc,,o..unt ca~anoes.you nave mansrerreo ~ram omar [~3.car~.. ~nis ~,u.,~ rs ,a, val~]e oPE ~r yo~ prowoe p,~., .mtne rorrp, or .cop~es or your most r~:. ant sta .tam. ant,~, showi.'ng your n`on*,i.ntredq, ctory A~t.<`a. Your. new .APR wlll..~k..e.effect !n the b~l!mg ,cycl~ fol{o~ng ~our .revle~w ~ yo.u.r pmor,.`bu..t ~t, eanrar .t,.ha. n me eno or your cou..r[~..y,~dCx~ ~[3/.~.o~q .r[gt.r~e suon proof your Ay~ tar custom casn advances ~n me.c;ustom (.:a. sn.A. ovance.~ ~.u,a~ance* ~.~a.s fallows: T~he .Arm,u~t. ~.~R?~.TAG. E~ ~[~ for custom cash advances (balance transfers) in {he c;ustom Cash Advance ~z uaance corresponomg to a cony panoac rate o~ u.uouzo~. The ANNUAL PERCENTAGE RATE for cash advances is 21.99%, corresponding to a daily periodic rate of 0.06025%. If we receivg ~.~r ~c.c.ount payment late 2 o.r..mom tim..as in. aay. 6~~~p.[h..~.dod, ,on each sq.ch .o~u~.an~ w.e maY {ncreese.the A. PR for pure.hoses up tote maximum or z~..~u~ (corresponcang to a ca~y .ppdaa~c rate o~ u. uo,..~4'~, eno increase [ne At-'t~ tar casa aovancas eno custom qasn aavances ,up o max!m~, m .,of 23..30% (~,q, .n.'.~..onding t~ a. da.[iy ~dodi,o rets of .0,.06384%). if aft.er you rec~eivp the hi.,ghe, r rat.es y~r bayme.n~s.are received pn time...ano you mee~ al~ omar terms or ~is .~areemam mr ~ consecutive mantas, you may con[act our c;ustomer ~erwca aepan'ment eno, a~ your mques~, ~ val~ rawew your Account for a possible APR reduction. [r,.acePefl. od for,. Purch, ase, Balanea Newpurch..assspca, ted to yo~r Account nb ngc. yc!,e, swithpo,~.raviou,s, balance., or wheothe previou~balance was {~y paid outing me cycle, aa not begin to incur a ~inance onarge until the start of the next'billing cycle. You wil~ pay no nnanca cnerge on SUCh new Continued on reverss) (5846-0698) 4428003001246982 0'~84 595 z~ pq~cheses if you pay .th,.e tot~ new be a.nca O full by .the payment due .date show, n .o..n your stateman~ New p.umhases posted in any other bitithg cycle inc~ a 7inanca onarge, and mere ~s no partes in which SUCh purchases may De repaie wimou[ incurring a finance charge. Fees,,We ,may charge your Account $0 for;, each .Card yo,u ask us, ~.o ~ ace;. each,, tutu .m,e~, paym.ent; es.ch ch.~k you.w,,rit.e o.n your, Accqunt t.ha.t.we tutuF u ,n .p~i(3; ,e,ac, n sr~3p .pa. yment orear .or renewal gL.such, an q~,r;,ea, on oi~ling cycle,Within which, you,r A.,Ccount iS ea~{nqusn[ ~l`are ,c. nargql; ane eaon Dng c[c~( w~mm wnlon your Da~ance exceeos your creait tine (ovenimit reel, ev..~n it' your ~.c, count is c~oseo, ir you .r~ues[ copies o7 bi~th~ statements that were sent to yo.u more tAan three, .mon.~. s ashier We may che. rgs a tiendi~ng.~e of.~2 for ~ac,h suc,h.c, opS',, if you. request, th~..t we. r?~ke {l. paym~en~ rmm your perscoai cnecKmg acc~un~ we ma¥ cnarge your craait cara accoun~ a ree ~ ~4~ r~r eeDn reques~ anU It Witi apply regi~rdless of whether funds are avatia~le in your personal checking account to make the payment, fWnem~y ,che,,rge.. a transe.c.tio.n fee qf 3,% (minimum $5), wh, ich i.s ,a. on~ti`m~ FINANCE CH. ARq.E, on ~e Rrq.oun. t of e~h cash advance, thcluding cash from anclal Insz~[uaons, an<: AIMS. Wire mansrars, money onsets, lottery tickets, casino gaming Chips, ane similar ~nsec[~ons. DefaulL Y.ou .w, iii,be ? de.fault: i.f any Jnfom!,ation you p,revided us ,qmves t,o be inco.,mp[ete pr u,~true ,[f,.yoq dp,. no..t comply wi~ any par~, of ~is Agref~ment;. ~yo.ur ~eem, bankruptcy, or m, so~vency; ir.y..ou ~o not pa~, ~h.er ~bts wnan g. ue; ir a D~nKr~p,[c¥ pe~on is ~ll.e.a, Dy ~' ~am.s[ you;or I~ we Delieve in goeo rs*m ma[. you may not pay or ~rrorm your o~ pattens unear mis Aoreement .ir you are n d~fau'it we may, Without rurttTer oemano or notice, cancel your cm, d',lt pa,.wisps.s, declare ~ Acco.uqt b..alenco immediately. ~ue ~[,nd, p, aya, b~e~,a, nd.. u.se a.ny r..em,~, we m_,ay have. 1.0 the ,even.t of your .default,[the pUtSE%~QI,ng panance., on your ACCOUnt snal con,hue [o accrue interest at me AFI'((.S/ <3 SC oseo n me ~-inence L;narges sermon of mis Agreement. even ~t w nave 7ilea suit to collect me amount you owe, Creel., i,t .Uno...,You. r..credit tine is spacif'~d from time to ti ,m..e..th S` sep`areta nptica,,Your mo. qthly s~tements show your ,,credit th,e a,n,d the a,m, qunt of eval~a~e.,crea,,[~, we may increase or De~.,Ce,,aee your credit ~me Desep on th.,rorma~on we oDr~inee from you or yqur cmalr recoros. Your available cre~t is porma~ly me q~n'.eren`ca betwee,n, yg, ur credit rt.,ne. ,and ye`.u,r A,~ount bal~ca ~nc. lu..ding, tra.nsa.c,tio.ns ma_de or a.utho.nzed bu, t nqt yet @,~!ed) if, you s,~ us a !a, rge p,,aymen7 check we may limit ye, ur avatlaDl~ creo~[ While we COrlTIIT11 ~a[ me onecK will clear, for carmln ,ranseczions,, avaltaDie crea~tmay De tess. ~'ou will not use your Accounf for. and ~ may refuse to honor, any transection which would cause you to excee~ your aval ac e credit. Promise to Pay. You p,romi,se .t.o pa.y us w. hen due.a !amoun, ts borrow, ed when you or, ~,else use your ,Ac.c. ount, (even. i.f the amount charQ ,~ exseeas ypur parmlssion), a~l omar ~nsections ane charges [o your ACCount, eno collection COSTS we thour JncJuaing. DU7 no[ limited to, reasonable attorney's fees and court bests. (if you win the suit, we will pay your reasonable attorney's fees and court costs.) Changes,. A~er we p~m. vide you a, hy n~t!,c.e ,required by I,a,w we q)ay change any par[, o,,f this.,A,g~,m,ent and e..dd o.r remoye. ,r~quire,ment.s, f ,a, ch. ar,~ s n'js`,ea [qme Hnenca g;narg~s secaon or mis Agreeman[~ [ne new r~nenca,c, narge calculation will apply 7o your,e.n[~m. ACCOUn! Dal~..nca from me e~TeCtive ~ate o7 t.he on~nge. Q. hen~es ~!{ apply to balances that include items posted to your Account before [ne date or the change, and will apply whether or not you conDnus to use me Account. ,F,o~ign,,Exchan ge/.C.u rrency C, ,o nvers, ip n. ~fyouus,eyourcardf~rtran~s`ectionsina~curm~nc~~thertha~n~U~S~d~~[am~thetransectionswitibeconvertedto p.~. or, La.rs, generalsy usin~o~me~r a ti) g~oyem[nen[-ma,n,~[ed r`ate or. [ii) wh..oies~!e ~`ar~e[ rate in ,e,ffeq,,t the say befor~ the t~nsection is precass~, in.creaseq Dy .m, res parcart[ (,~-,/o). 17 a c ,rq~, .[ is.suos~ouanuy glvg. n rot a ~.,mns~c. uon, ~7 will De corr,,eases Dy me same pamentage. I ne currency conversion ~(~a~ea on me conve~on sate may c~ner 7rem the rate tn etzect on the cate you used your ~ard, You agree to accept ti'To converted amount in U.S. The Card; Cancellation, You may cancel your creditprivileges at an',, tirn~e by notifying us in writing and,destroying the Card(.s). Upon the,(;ard`a.x~ration at the,.en~i of the mon.!.h shown, on it, we .m,,se.w,e ~.e dg,ht not [,,o re. ri. ow'the ~,,a~. We ,may canqel,th~ Carq aha your ,cra,.d, it p,fiwlege.,s, at ,sOy time ,aTtar 30 day~ noDce to, yoq, or ~mout notice ir parmiEan Dy ~aw,,!r your [;ard,~s canceller or no[ renew`aa., rtnanca cnamec aha omar roes ~1/~11 continue [o ee asses.sea, payme, nfs .wi~ continue .to b~ due, and all other appltcab{e p,rov~ons of this Agr~men.t will ~ma.in, i,n e,ffe~t, If you ter~, in, ate, your c, redit privile~jes, or if we cancel or ac no[ renew [ne [;am, you may no longer write cnec~(s on your ACCOUnt, an(3 you snoula Des[roy any unusea ChecKS we nave issued'to you. You.witi us. ! eest 0..,.days?.ot ce yo, u. change ye. ur name, hera o meltin, telephone nu rs, m .o..r incom..e, upon put req,u.~t, yo~.wi~t prow~ us a~.~.~o,na Tin,~ncla, i m!orma~, we, ,res ,e~, e me,,n, ght to ~tam, ~m~, ,amn ~rom q~ers nE,Bang c,r, ee~[ reporting eganc!es, ane m pmy]ee your a(~ress ane ~morma~on acou[ yo~r ACqoun[ [o omers, we may also snare information Wire our .a, rrll~Fes. However yoq. may wn...te re u~ ,at any time jpst,~cting us not...to sham creW, it i.n,t'o .~. a,tipn with...our affi. iiates, f you ac not fu fl your ob pattens ~nder m~s Agreement, a negertve crer~[ report ma[ may rerlec[ on your crea~[ may De suDm ~eo [o me cred7 reporting agenc es. Customer Service; Unauthorized Use, Loss, or Thee of Checks or the Card. Each Card must be sJoned on receipt, You are reAoonsibJe for ,sefeg..ua,~. lng ~ C~.rd, your _P.e, ,mo~l {.den. tificafion N~um,~r ['PIN"~ which provides ~e~s to A~tom, a.[,,e~,, Telte? Mach ne, s),ah,d any c,h~. ks iss.ued to y~ !rom me~z. ena Keeping your P'IN sops. rate rmm your L;ara. ~7youdiso~ver~rs~¥~spec~ma~ypur(;am`~`~Lr~-~-~renyonusancnecKsa~r~e~s[orst~ian`~rmat ~e~amb~tvb~eanun~u~n~rized~nsa~c~ti~npnyourAcoqunt~y~uwi~pre~ptiyn`~ti~yu~by~cF`~n.g .1~00-g3d-.7.22!.Sp~canimme,d, ia. telyacttc ,mit oss.~ laDJ?yv, y,o,u Will phone us even mougn you may a~so no[~/us m wining. You Wilt not ~e llaore rot una~mo~.z, ec use ~curdng Darers you notify us or a ~olSt~sfOar~mcer~ if. you report or we,,sus`p~, t una~utho.rft_e.d.u, se o! your Acoou..n.t. we m.,ay.su.spand, your .cre~i. 't pnwleges uqtll we__ rq, solve the p.~em to our sa[~.sracaq.n or issue you.,a ,new L;arg,. ir ye,ur L;amjs Ios,t or s[olep. ,you Wil~ pmmpDy Descrny al~ cnecl(s sn your possession, lo improve customer sen/ica ane ascent'y, you agree ma[ your calls may Da monitored or recoreaa. ieae rC, h. an t Rel.a. ,flo.n s, We will not ~.]j~bJe if eny. pereqn or .~utomat .e`d Tell.er ,.M,a.c. hin~ ref.usee.to h, onor the ,Card or a. cee.g, t y,our checks,,or falls to return the r.,a_;[_o,_y?u. ,,~.e,_n,ave no r~nstD,!!l~ ror. gea~s.ane services,pum..n.a,seo ~m me. L;ar,o. pr onec~(s` except ,as, .mqu[.raa Dy !,a.w. (S.~. ~Lgen a Ru .e, be[ow ) [[a/n~rlerl[ama[areaVallsolewlmmeAccounraraDrevl(~3Dymlro43artvveneors weareno[m,~3orlSlDierorme~mljn/,availabll(~ orresu{tso~anv the sauces you choose to use. ~ -~-" ' ' - -'-- ~--" "' ' liS~ Payment ,Orders.. If, you wish to, stop payment on .a check, y,.ou,may .s`,and .us a stop p.a. ,y~e. nt order by ~vriting.to,us at our a~.ss for customer service eaon,your~,raramen.t, ¥~u~canm~a~(ea§mpp~a~yn3e~n[cm~r~r~i~y~y~caI~!ng~menumDer~sra~3~ny,aurs[a[eme`{~t[~ wnen~(oumaKeas.toppaymentorder, Yw~ must p.rov!,ee your Acc, q,unr number a. nes`paclr]c,, mror,m,,ation, a~ut'the, cnec,~: the,..exact amount, the, date onthe check, me name of ~t~ ~rty to whom ,, pay.aD/e, me n, ame. o!.me person, wno .slgneq ~. an.a ,m.e cnec[numper, [.op ~,lll be as, kecl,.to c..onrlrm .an qrel stop. pa .y:ment order ~n Writing. W,e m`ay ?_sr _ega..ra yo,u[,ore.! oraer Ewe ea noLrecalye a, slgneg, ~,nen,conr!,r;man,on wi.mm, tw,o. ,.weeK. S aTrer me qm, ~oroe~'. qr ~! we pave not recaiveo an adequate De,sonp[~on or. me l[e.m so ma[..pay .m, en[.~n ~ steppes, I ~ oroer wis not ce en'~ctiv, e ~r me CheCK was p~c~ Dy us pa~ora we ha~ a reasonable opportunity to act on me oraer, we may, Without )lability, casragara a written stop payment crest six months after receipt urtless it ~s renewed tn writing. ..Stan. dard ~ Care. Becau~,~is,A, ccount inv. o,)ves both c ,m`dit card,and, ch~k,,tran, s`action,s. ,which am, processed through separate national systems before. me ~.ren{,'ac..~lonq..are conso~ea[ee .qy us, an.a Decausq not even/onec~( aha L;aro slip. wi(~, De sent to us. [ranaactions in yq.ur ACOOU.qt will be p~,e,ss~ mesn.enl~ ly wrmo.ut, our n, ecsssaril,~ rev.'i.e.w~.ng every ri, em., Oqr p. rcoe~ing s,ye.tem .wiil ca~[ our ,attan~on to cer~in items wn)ch we witi examine, we ~lanl~ ~l ,~m,.,nsec~.oos wn, en you,m`~, or~ ,ma[ y.ou. r. ~Jara or ChecKS new Dean Ios~ or s[oren, vve de not mten(~ ordmerily to examine all items and we will not . eg ig D! 17 ,w.e ac not co so. mis rule ~tishes the stenda ,rd of,, ordina,,n/care whic.,h we,~n g ,.o~J., talth will e.xercise ,n,, a,d.m n ste,.ri.ng your Account. _u~e~. ~u~s~e prour,!i,m, ited r. evie.w.. ,and,because ne,ithfir your .canseti ..ed cne,c~(s,nor Card tmn,~c.~on slJp,swti~. De .rq~qmed ~o you wire ~. monmly statement, you s~t~ ~ ,c. are~J,[o enter ail c,nec.~s )n your c.,n,ec~ register or otn`erw~se Keep a recoro or .re, em, ,You s.n. oula also save your qredit card c~sh advance and p mnase sl~ps. ~'ou agree to CDeCK your monmly statements against your record and to notify us ~mmediately of any unauthonzed transactions or errors, Waiver of Certain Rights We may de ay or waive enforcement of any provision of this Agreement without losing our right to enfome it or any other 3revision later. You wave the dght to presentment, demand, protest, or notice of dishonor, any apptic~le statute of limitations; and any ~ight you may 3eve to require us to proceed against anyone before we file suit against you. ~plicable Law; Severabifity; Assignment. No matter where you live, this Agreement and your Account are governed by federal law and by New PROVI DIAN Financial Hampshire, I,a,w. Th s Ag. meme`.nt is.a final ex, pre.ssiqr! o.f tho agreement ,between, you and.us anc~ .may n, qt b.e` c.ontra.digted by,.eyi~nce o,f any, alleg .~1 ggreement, it any prdvis on of tn s Agreement is natc~ ~o ~ inva,o or unenlomea~e you arm w,e ~ll con.s,K~er mat. provis[o.n,.m, o~., fflou to conform to appflcaDl aw, ,a,nd the res,[ of the provis OhS, ~n !he, Agree.men[ wifl, still,be enforces,hie, At any tirn,e after.we ~t.e` .rrnm. e m gooq. )'altn,.t,nat any t~ropos" ,ed or enacts legislation, recju~atory action, or judicial oecisionnas ~no~rou or may ren~ any marshal pmv~s~on.s or t, ms Agree, mom mva,qpr un. ,enro,rc,~je, or I ..mpos~ any noreasedtax, re~rtthg requ foment, or otherDuroen in connection with any such provision or its emomemem we,.may, ,a. rter at you, qr w thou[ not ce. f perm tied by ,,aw, c,ance) the Card and your ,C,,redit pfiy leges We may transfer or assign our fi. grit state ~aw re;luires that you receive notice or such an event to protect [ne pumnaser or assignee we may give you such notice Dy r, ing a tinancing smtemen with the state's Secretary of State, Nofic,e~. Othe.,r ngtice`.s to.yon shall be ~,fle,ctive ,wh, e.n depesjte, d !p the. mail addm,,,ssed,t9 you ,at the ,ad,d,r,ess sh.,owp, .on our r~ords, unle~ a longer t~otice pengo s spec nee [n [nis A, greemen! or Dy aw, wn~cn pff/i~ sna I start upon mamng. ~oace [o us sna~l De marled rD our aouress for customer service on your statement (or other actresses we may specify) and shall be effective when we receive it. YOUR 81LLINB RIGHTS - KEEP THiS NOTICE FOR FUTURE USE. This notice contains important information about your fights and our responsibilities under the Fair Credit Billing Act. Nb.g, tify ~ls in Case of E .~or~ or, Q ,u~,, tion~.Abo .ut,Yqt4r ~lt71.~ If., you,,~h~n,k your bill is wrong or.if y.qu, p, ee`d more information asibb~ut any trans, a, ction,on your ill, wd[e us on a soparefe sneec ar ~ne a~oress Iisfeo tn rno uiiling ~lgnm ~ummary on your Dtlv, wnFe to U, S aS soon a~, p~sio e. we,mus[ near ~rom you no I.ate.r than 6.0,,daj's after We s,e.n, t ypu th,e first.biff on ,which the error, gr prob{em appeared~_ 'rou,.can [slop.non, e,. us, out dgin, g so will n.,ot pr,e`se,qre your rights, n your east, g ye us me ~o oWin,q inlormation: .- ?.our name and ACCgUm numoe,r. -- )ne,,ooliar amount of me. suspe`ctee error. - uescn~e me error and explain, if you can why you believe mere is an error. It you need mom imon'nation, <3escdoe me item you am not sure at, out. [~ yo.u ha, ye authefized us to. ~y your credi,t card,b a~ut~matca~!yfrqm~y~ur~check)nga~c~count~youcan.Stop~!he`~ayment~n~anyam~unty~uthinkiswrong o stop me payment, your ~ettor must reach us mree Dusinass gays De,ore me automatic payment is scnouuleo to occur. Your RitThts and Our Res~.o, nsibilities A~ter We Re.c. eive Your W~ Noti~. Wf~ mus.t a,c. kno .wl~g,e, your letter, wit. hin 30 days, unless .we, have corrected the error by then. within 90 days, we must almer correct the error or..e`xpmin why we Delie,v.,e` [ne @,l ,was correct. After we receive yo~.r letter, we cannot ~ to co lect any amount you quest on, or report you as. d,.elinq,u,ent ,we can continue to bill yo,u. TOt [ne amou~you question, iocluding nnance charg.e`;s., .a..nd ,we can app!y any.unpaid a.mount a, galnst yqur crecy[ line, You ~ not have to pay any queetion~ amount wn~le we are investigating but you are sti~l o~l ga[ad to pay me parts or your D II that am not in question. if we find,that we mad,e` a mists, ko on your.bill, you..will no~ have, to pay. any finan,co charge, relat..ed to any,.ques.tionad a. mount: ,If we didn't maJ~,e a re)stake you may nave to pay tinanoe or,argos, anc~ you wi nave to re,aKa up me missed payments o,n. [n.e questlonou amount, m el[nor ca.s~., we Will .SONG yOU .a, statame`nt o.f the .amount you owe and the date that. it )s due,, h y_ou.mil tp jla. ay the.am, gun[ w.,e..min.~ you owe, we may..r.e~.,., rt you as c~elihque,nt. Uo .w, ev~r, h our e~p aha[ion c~es not satisfy you and ~u write to us w~[n n ~u gays teqmg us [na[ you soil refuse to pay we must tell anyone we r..~.rt you to mar.you ~uestion your b And, we must to you the name of a. nyone we ,re, ported you ,[o. We must tel anyone ,we repqrt you tp, that ,the matter has been seined b~tween us when it finally is. If we don't follow these rums, we can't coffect the first $50 of the queeuonae amount, even ir your Dill was correct. ~PaveC~a.I R. ule for .C, mdit Card Pq~.,hase~,. f you ha,,,ve a pro~, le ,mw th the qu~i.ty of ~e prop~., rty or services that you. purch.a, sed with our credit card_.and you e theo in good faith to correct me proolem with [ne memnant, you may nor nave to pay mo remaining amount gus on me gases or services. /nato are twq,Jimitat, ions on thi. s,.dg.h,t' (al ypu mus~ have .re,ado the pumhase, in yd,.uj'~ho~.e sta!.e, ..or. if not ,within. you, r home state, within ! 00,. miles o,f yo,ur cq,rrent mal~[ng a~ress; ana ID)me p. umnase pnca must nave Dean more man ~DO, ~ nose nmlmuons OD not apply i7 we own or operate the memnam, or n we mai!gu you the advertisement for the property or services. VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF I HEREBY CERTIFY THAT THE TRUE AIqD CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 5073 RITTER RD MECHANICSBURG, PA 17055-6921 4428003001246982 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS ROBERT E THOMSON Defendant NO.01-2298 PRAECIP~ FOR JUDGMENT TO THE PROTHONOTARY: Please enter Judgment in favor of the Plaintiff and against the said Defendant for failure to plead or otherwise respond to the Complaint and assess the damages as follows: AMOUNT OF CLAIM ATTORNEY FEES PLUS ACCRUED INTEREST LESS PRINCIPAL PAID LESS OTHER PAYMENTS $5,794.30 $985.00 $522.59 ($o.oo) ($o.oo) TOTAL $7,301.89 PLUS ADDITIONAL COSTS I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT ~ IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. I certify that written notice of the intention to file this Praecipe was mailed or delivered to the party against whom judgment is to be entered and to the attorney of record, if any, after the default occurred and at least ten (10) days prior to the date of the filing of this Praecipe. A true and correct copy of the notice pursuant to Pennsylvania Rule of Civil P~z~edure No. 237.1 is attached hereto and marked/E~bit~/ VALERIE ROSENBLUTH PARK, ESQUIRE Attorney for the Plaintiff AND NOW~]LacbP // ~ (~! , Judgment is entered in favor of the Plaintiff and against the Defendant by Default for want of an Answer and damages assessed in the sum set forth in the above certification. PROTHONOTARY 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. 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 I HEREBY CERTIFY THAT THE TRUE AND CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 5073 RITTER RD MECHANICSBURG, PA 17055-6921 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plffmtiff VS ROBERT E THOMSON Defendant NO. 01-2298 NOTICE OF PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO: ROBERT E THOMSON 5073 RITTER RD MECHANICSBURG, PA 17055-6921 DATE OF NOTICE: 5/22/01 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE E~D AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO F/ND OUT WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR CUMBERLAND COUNTY COURTHOUSE, 4th FLOOR CARLISLE, PA 17013 (717) 240-6200 PARK LAW ASSOCIATES, P.C. BY: VALERIE ROSENBLUTH PARK, ESQ. CCi THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. EXHIBIT VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF I HEREBY CERTIFY THAT T~E TRUE AND CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 5073 RITTER RD MECHANICSBURG, PA 17055-6921 CUF~BERLAND COUNTY COURT OF CO~ON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS ROBERT E THOMSON Defendant NO. 01-2298 VERIFICATION OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA: COUNTY OF BUCKS : VALERIE ROSENBLUTH PARK, Esquire, bein9 duly sworn accordin9 to law, deposes and says that she will make this affidavit on behalf of the within Plaintiff, bein9 authorized to do so, and that she believes and therefore avers, that ROBERT E THOMSON, Defendant is over 21 years of a~e; that his/her place of residence/business is located at 5073 RITTERRD MECHANICSBURG, PA 17055-6921 and that he/she is employed and that he/she is not in the Military or Naval Service of the United States or its Allies or otherwise within the provisions of the Soldiers and Sailors Civil Relief Act of Congress of 1940 and its amendmen.~'~-- PARK LAW ASSOCIATES, BY:valerie~ark Attorney for Plaintiff ElD VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF I HEREBY CERTIFY THAT THE TRUE AND CORRECT D~DDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 5073 RITTER RD MECHANICSBURG, PA 17055-6921 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATION~tL BANK Plaintiff VS ROBERT E THOMSON Defendant NO. 01-2298 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below: Judgment by Default Money Judgment Judgment in Replevin Judgment in Possession Judgment on Award of Arbitration Judgment on Verdict Judgment on Court Findings Judgment on District Justice Transcripts Judgment on Judgment Note Judgment on Writ of Revival Praecipe to Reassess Damages PLEASE CALL: number: (215) IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, Park Law Associates, P.C. at this telephone 348-5200. PROTHONOTARY: 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. VALERIE ROSENBLUTH PARK, ESQUIRE ATTORNEY I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. STATE STREET DOYLESTOWN, PA 18901 (215 348-5200 ATTORNEY FOR PLAINTIFF CUMBERLAND COU1FUY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK PLAINTIFF VS. ROBERT E THOMSON DEFENDANT NO. 01-2298 PRAECIPE TO MARK o~DGMENT SATISFIED, SETTLED, DISCOI~TI~u=D AND ENDED TO THE PROTHONOTARY: Kindly mark the above captioned matter satisfied upon payment of your costs. PARK LAW ASSOCIATES, P.C. BY: ~~'" VALERIE ROSENBLUTH PARK, ESQUIRE SHERIFF'S RETURN - REGU~IR CASE NO: 2001-02298 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PROVIDIAN NATIONAL BANK VS THOMSON ROBERT E RICHARD SMITH , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon THOMSON ROBERT E the DEFENDANT , at 0014:42 HOURS, on the 30th day of April , 2001 at 5073 RITTER ROAD MECHANICSBURG, PA 17055 by handing to ROBERT THOMSON a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18,00 Service 8.06 Affidavit .00 Surcharge 10.00 .00 36.06 Sworn and Subscribed to before me this ,~/~ _~ day of ~~ ~_.~ O~ ! A.D. J Pro-t~ho~ot ary ~ So Answers: R. Thomas Kline 05/01/200i PARKBy:LAW AS~~ f~eputy Sheriff