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HomeMy WebLinkAbout12-4526T r''_1 '??t? JIIL 20 P? 1:55 PENNSYI??K?R? Burton Neil & Associates, P.C. By: Brit J. Suttell, Esquire ID. NO. 204140 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 Attorney for Plaintiff CITIBANK, N.A. IN THE COURT OF COMMON PLEAS 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. / CHARLES R HAINES NO. 419 Eisenhower Drive I Carlisle PA 17013-1679 Defendant CIVIL ACTION -LAW Complaint - 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 (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claim set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose mone? or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. THIS OFFICE C PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc. 32 South Bedford Street Carlisle, PA 17013 Telephone No. 717-249-3166 or 800-990-9108 7 Rd C-581 OS / 304 ? (03. k4e 4 *-V7 BURTON NEIL & ASSOCIATES, P.C. Neil Sarker, Esquire, Id. No. 203465 Brit J. Suttell, Esquire, Id. No. 204140 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK, N.A. IN THE COURT OF COMMON PLEAS 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. CHARLES R HAINES 419 Eisenhower Drive Carlisle PA 17013-1679 NO. Defendant : CIVIL ACTION -LAW Complaint 1. Plaintiff is CITIBANK, N.A. with place of business located at 701 East 60th Street North, Sioux Falls, South Dakota. 2. Defendant is Charles R Haines who resides 419 Eisenhower Drive, Carlisle, Cumberland County, Pennsylvania. 3. Plaintiff is a national banking association, engaged in various types of banking business including consumer lending through the issuance of credit cards. 4. Defendant obtained extensions of credit from Citibank, N.A., successor in interest Citibank (South Dakota), N.A., by means of a credit card account (hereafter the Account) with account number ending in 7634. 5. Citibank (South Dakota), N.A. merged into Citibank, N.A. in or about July 2011. 6. Accurate records of all debits and credits to the Account were maintained by plainti 7. Defendant was provided with monthly statements for the Account including the statement attached hereto as Exhibit A (redacted to remove confidential information). The monthly statements accurately stated the previous balance and the debits and credits to the Account for the prior billing period. 8. Defendant had for many months after receipt of a billing statement made payment on the Account or retained the statement without payment. 9. Defendant retained the Exhibit A statement without making payment by the stated doe date. 10. Defendant's assent to the Account balance set forth in the Exhibit A statement is manifested through the prior conduct of defendant either making payment on the Account or retaining the statement without payment, after receipt of the monthly billing statements. 11. As a result of said assent, an account stated for the sum of $5,556.97 exists which sum reflects the Exhibit A statement balance less credits, if any, which were applied to the date of Exhibit A. Wherefore, plaintiff demands judgment against defendant for the sum of $5,556.97, the costs of this action. Burton Neil &- ssociates, P.C. B e' Sarker, Esquire y: Brit J. Suttell, Esquire In making this communication, we advise Burton Neil & Associates, P.C. is a debt collector. C-58105 / 205 nAn , O D D ,0 r W H A 0 0 "D 40 + m `A ; M 04 c rrt Zto0 2 z 3 A ® u c m q?? m 33 >02 n .Im> N O O `0 'a n N o< r o O d W p N O 4 w v O III 0° n-0 n 001 Kos mx;o c?v o to _ A A N a A r f W Ylzg z3 C3 R 1 Cr get o xsa ' In x Ln l ="s t tar aff A =s6 $x o - r in -0 O P ? o o t' •. r O n • O o + i www.citlerds com a y How Reach Us ' I Citis Diamond Preferredx Card 1 800-7 756 4000 Account Member Member Since 2006 CHARLES R HAINES Account Activity uomer Box 6500 ervice Feb 21-Mar 21, 2012 SIOUX FALLS, SD 57117 Account Number •••• •••• •••• 7634 z Minimum Payment Due: New Balance: Summary of Account Acti vity $5,556.97 $5,556.97 Previous Balance $538758 Fees Payment Due Date: Payments SO 00 ' ' Sale Post Deserl?tlan Amount 04/16/20 ' Other Credits $0. 0 0 03/21 LATE FEE FEB PAYMENT PAST DUE __ . 35.00 drc _ TOTAL FEES FOR THIS PERIOD 35.00 r warnh¢ I. we do not receive your Lett PaymeM Advances Cash Advances +$0 00 ' minimum payment by the date listed above, you may Fees Charged +$35. 00 have to pay a late fee of up to $35 and your APRs may be Increased up to the variable Penalty APR of 29.99%. Interest Charged +$134.39 Interest Charged _ New Balance 556.97 5 Post Deser tlon - __.._._ .._._ ?P. Amount Minimum Payment warnkWif you make only the , 03/21 INTEREST CHARGED TO STANDARD ADV 34.43 minimum payment each period, you will pay more in Past Due Amount $1,209.51 - 03/21 INTEREST CHARGED TO STANDARD PURCH 99.96 Interest and It will take you longer to pay off your - TOTAL INTEREST FOR THIS PERIOD 134.39 balance. For example: Amt. Over Credit Limit $896.97 If you make no You wlil pay off the, And you will end additional charges balance shown on u an = t l Credit Limit _ . _ . $4,660 __ _ .__.. _ 2012 Totals Year-to-Daft using this card and this statement In ,,, o a Available Credit to each month you pay.- about- of_ . _. _._ __. Cash Advance Limit ---S2,700 Total fees chrgtd In 2012 $105.00 Only the minimum I month(s) $5,557 payment __ _ Available Cash _ Total Interest dw"d In 2012 $395.11 Fw Iniwmatim about oedit counseling wmices, call 1-877-337-8188. tement ClosingDate Sta 03!21/2012 Days In Billing Cycle 30 R a: - n a `s to If 1of2 Interest Charge Calculation Your Annual Percentage Rate (APR)is the annual interest rate on your account. Annual Percentage Balance Sublect to Type of Balance Rate (APR) Interest Rate Interest Charge PURCHASES Standard Purch 29.990% (V) $4.055.53(D) $99.96 ADVANCES Standard Adv 29.990% (V) $1,396.73 (D) $34.43 You may pay all or part of your account balance at any time. However, you must pay, by the payment due date, at least the minimum payment due. D Now to Reach Us Citi" Diamond Preferreds Card 1-900-756-4000 Customer Service BOX 6500 SIOUX FALLS, SD 57117 Help is available! Please call the toll-free number shown above to learn about our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday, 8 am to 5 pm, Central Time. Please give us the opportunity to assist you. Please be sure to pay on time. If you submit your payment by mail, we suggest you mail it no later than 04/09/2012 to allow for enough time for regular mail to reach us. Access your account online: www.cltkards.com Account Number •••• •••• ••'• 7634 Cltle 2of2 Verification Vikki L. Koch am employed by Citibank, N.A. (hereafter Citibank), whi, is successor in interest to Citibank (South Dakota), N.A. This includes accounts previously owned by Citibank (South Dakota), N.A. which merged into Citibank in or about July 2011. 1 am authorized to make this verification on behalf of Citibank. The statements of facts set forth the Complaint are true and correct upon my information and belief and are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. Signature C-58105 Charles R Haines Account number ending 7634 1000 SHERIFF'S OFFICE OF CUMBERLAND COUNTY L; Ronny R Anderson Sheriff v? ?riv Jody S Smith Chief Deputy 2 A U G ` ' V-1 ? Richard W Stewart CUMBERLAND €6UN Citibank NA Case Number vs. 2012-4526 Charles R. Haines SHERIFF'S RETURN OF SERVICE 07/30/2012 03:18 PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on Ju 30, 2012 at 1518 hours, he served a true copy of the within Complaint and Notice, upon the within na defendant, to wit: Charles R. Haines, by making known unto Marylou Price, Mother In Law of Defend; at 419 Eisenhower Drive, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the s time handing to her personally the said true and correct copy of the same SHERIFF COST: $54.00 August 01, 2012 SO ANSWERS, RON ~ R ANDERSON, SHERIFF ic? Cnunty&oteSI^sritP_ Ioleosolt;?o. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CITIBANK, N.A., ) Plaintiff v. CHARLES R. HAINES Defendant Case Number. 2012-4526 CIVIL ACITON LAW DEFENDANT'S RESPONSE TO REOUESTS FOR ADMISSIONS INTERROGAORIES AND REQUESTS FOR PRODUCTION OF DOCUMENTS RESPONSES TO REQUESTS FOR ADMISSIONS 1. Denied. 2. Denied. 3. Denied. 4. Denied. 5. Denied. 6. Denied. 7. Denied. 8. Denied. 9. Denied. 1C. Denied. 11. Denied. 12. Denied. 13. Denied. RESPONSES TO INTERROGATORIES ,:-, ~ ~ =' ,-, ~; --, 3 ~' -- _._ ~~ ~ f~~y ~ Imo- n t ?,~ c ct; cs- a c:. ~ ~ s • r~ "~ ^y y rr ~..~~ ~ ~~ v~ ~ 1. Objection. 'This Interrogatory is not reasonable calculated to lead to the discovery of relevant information. This document was prepared by, or with, the assistance of an attorney employed by Persels & Associates, LLC 800-498-6761 2. Objection. The denials speak or themselves. 3. Unknown. 4. Defendant does not admit that any balance is due and owing. 5. Defendant does not admit that any balance is due and owing. 6. Defendant does not admit that any balance is due and owing. 7. Myself and all witnesses listed by Plaintiff. 8. I have not thought about my trial testimony yet as there is no trial date. 9. Not applicable. 10. Not applicable. 11. Not applicable. 12. Not applicable. 13. Not applicable. 14. Not applicable. RESPONSES TO REQUESTS FOR PRODUCTION OF DOCUMENTS 1. Not applicable. 2. To be supplied once a decision has been made as to which documents will be used at trial. 3. None. There is no written agreement showing that Defendant is liable for this debt. 4. Not applicable. 5. Not applicable. 6. This information is not in the possession of Defendant. Respectfully submitted, Char es ~ es Date: 1 I / p This document was prepared by, or with, the assistance of an attorney employed by Persels & Associates, LLC 800-498-6761 VERIFICATION The Defendant verifies that the statements made herein are true and correct based upon her knowledge, information and belief. The statements are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. ~1~ Char es ~ es This document was prepared by, or with, the assistance of an attorney employed by Persels & Associates, LLC 800-498-6761 CERTIFICATE OF SERVICE The Defendant HEREBY CERTIFIES that on this ~ ~' day of 1~;ovz+v~ ~~ ~-- , 201E a copy of the foregoing pleading was mailed, first-class, postage pre-paid to: Neil Sarker, Esq. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 ~ COY' Charles es This document was prepared by, or with, the assistance of an attorney employed by Persels & Associates, LLC 800-498-6761 2k.3/4 {it , BURTON NEIL & ASSOCIATES, P.C. Neil Sarker, Esquire, Id. No. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 2012-4526 CHARLES R. HAINES Defendant : CIVIL ACTION - LAW Plaintiffs Motion for Summary Judgment Now comes plaintiff, Citibank,N.A., by and through its undersigned attorneys of record, Burton Neil &Associates, P.C., and hereby moves under Pa. R. C. P. 1035.2 for summary judgment for it and against defendant, Charles R. Haines, in the sum of$5,556.97, plus the costs of this action, and, in support thereof, avers as follows: 1. The pleadings, consisting of the complaint, answer with new matter and plaintiff's reply thereto, are closed. 2. Plaintiff's affidavit in support of summary judgment is attached hereto, incorporated herein and marked Exhibit A. 3. There is no genuine issue of material fact which will require a trial. Therefore, plaintiff is entitled to summary judgment. Wherefore,plaintiff, Citibank,N.A., moves the Court to enter summary judgment pursuant to Pa. R. C. P. 1035.2 for it and against defendant, Charles R. Haines, in the sum of $5,556.97, plus the costs of this action. Burton Neil &As c' es, P.C. By Neil Sarker, squire Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. CITIBANK,N.A. ) Plaintiff, ) vs. ) Case No. CHARLES R HAINES ) Defendant. ) AFFIDAVIT SUPPORTING SUMMARY JUDGMENT STATE OF MISSOURI ) )ss. COUNTY OF PLATTE ) Before me,the undersigned authority, personally appeared the person identified below,who being by me duly sworn, deposed as follows: Abbie Sanstra 1. My name is . I am of sound mind, lawful age and capable of making this Affidavit.The statements set forth in this affidavit are true and correct based on my personal knowledge and review of the business records described herein. I am authorized to make this affidavit on behalf of plaintiff Citibank,N.A. (referred to herein as"Citibank").Citibank is a National Bank located in Sioux Falls,South Dakota. 2. I am employed by Citibank. My job title is Document Control Officer. My employment duties include being a custodian of records with respect to accounts owned by Citibank. As a custodian of records, I have knowledge of,and access to, account information and records concerning the defendant's Citibank account number currently ending in 7634,which is the subject of this lawsuit(the "Account"). As a result, I am competent to testify to the matters stated herein. 3. Citibank's records regarding the Account contain the name and billing address of the defendant,the Account number(and predecessor account numbers, if any),the Account's history,which may include charges made, interest and/or fees assessed, payments and/or credits received,and the minimum payment due and the total outstanding balance due on the Account,all of which are collectively referred to as the"Account Information". Exhibit A attached hereto and incorporated herein are copies of the Account statement transaction detail for the period from 3/18/2011 to 3/21/2012 that was sent to the defendant(the"Account Statement"). 4. The Account Information reflects that charges were made on the Account to purchase goods and services and/or obtain cash advances. Defendant was provided periodic billing statements for the Account when there was Account activity,which described the charges on the Account,along with interest,fees, payments,credits and the amount due on the Account. The Account is subject to written terms and conditions,as amended from time to time,which are reflected in the exemplar card agreement attached as Exhibit B along with the Account Statements. Defendant agreed to the terms and conditions by using the Account. 5. Exhibit(s)A and B are business records reflecting information created and maintained by Citibank or its affiliates, in the course of regularly conducted business activity,and are part of the regular practice of Citibank to create and maintain such information,and also were made at the time of the act,transaction,occurrence or event or within a reasonable time thereafter. 6. As reflected in the Account Information,defendant did eventually fail to make required payments on the Account. 7. As a result of defendant's failure to make proper payments on the Account,defendant is presently in default on the Account. 8. The Account Information shows that the Account Statement reciting the amount of the debt was sent to the defendant either by regular mail or by electronic mail. The attached Account Statement does not reflect any outstanding disputes on the Account. 9. As reflected on the attached Account Statement,the balance on the Account is$5,556.97. After the attached Account Statement was sent to the defendant,an additional payment or credit/debit was received on the Account in the amount of$0.00. As of the date of this affidavit,the Account balance of$5,556.97 is due and owing. 10. Citibank's records reflect that defendant opened and/or used the Account and,therefore,to the best of my knowledge,defendant is neither an incompetent,nor a minor. EXHIBIT A 11.The debt reflected herein is delinquent, past due and remains due and owing. Citibank is the owner of the Account and the party and entity to whom the delinquent debt is owed. I solemnly affirm under the penalties of perjury and upon personal knowledge that the contents of the foregoing paper are true. EXECUTED on 0— L �� Signature Abbie Sanstra Name STATE OF MISSOURI ) )ss. COUNTY OF PLATTE ) l On this t\, day of �:� ,20 lot,before the undersigned Notary Public in and for the state of Missouri, personally appeared Abbie Sanstra ,known to me to be the person who executed the Affidavit on behalf of the above-named Plaintiff,and acknowledged to me that he/she executed the same for the purposes therein stated. SHARI PRESTON Notary Public Notary Public-Notary Seal My commission expires: State of Missouri Commissioned for Clay County My Commission Expires:Sep. 13,2015 Commission Number: 11233676 Co Q '0 �� o �p X 00 c CO m rD e E° E E ^' 0 U Q N Q Q V E v P.m E t'"! O K N N N d O '' N d Y u 0 O r- 5 L N O u ry) d ) C d 0 VI c,--I O O cr 7 O I d ° o ¢ a D D m x � '0 cp ea 3o=r= O 2 U mNU v ?Q 'W a Y 0 oo'z 0 a a° rn to' a E - ¢o N L o` :w = O- I- 0 2 r- O o < <:W O 7 m k r2 :< to 0 0 W N r P W :5,-; d 2:a 0 W 0 0 0 Z C 4 0 o:W 0 H H Z_ d! N d 0 m E d..:0 d'.J L. 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N 'E a.in c>. c.'cv . o _ 4.e 1 N a 0 JE.22 !.E�a�vm=m: L o U date paid amount paid check tt Detach and follow payment instructions on reverse www.clticards.com Make check payableto:Cltl Cards 634 0016833 0453440 0015000 1403 New Balance: Print changes of address,phone number or email below.' $4,534.40 ************7634 Minimum Payment Due: Amount Enclosed: $168.33 Payment Due Date: .t iy+t provme an ems::address,we may use It.comae,you Payment most be received by 5:00 PM 05/16/2011 abort you,accobot we may a so use you emae address to wild local time the payment due date. you.:formatior.about poem,er:d serv:ees'y.ou eugbt fond use.rut me on p y 000000 MC 00 A 0 CHARLES R HAINES 419 EISENHOWER DR CITI CARDS CARLISLE PA 17013-1679 P.O.BOX 182564 COLUMBUS,OH 43218-2564 - e mum -ice U E 0 o N V 3 V U d C C r O C N U p d Urn d vi wN U) o Om .-0—'IX yO< > 0'o En 0 0 0,ox y oro DOC2 O 2, umrn Q E V d i r '0 Od m d 3-c v d M ..'. C' th d T E N `m? � 0 a N C �,. N til z. U VT [? 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Neil Sarker, Esquire, Id. No. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 2012-4526 CHARLES R. HAINES Defendant : CIVIL ACTION - LAW Plaintiffs Brief in Support of Summary Judgment A. History of the Case Plaintiff sued defendant to recover the past due balance owed on a credit card account. Defendant filed an answer which effectively admitted the material allegations of the complaint. Included with the answer was various fact-less new matter to which plaintiff replied, closing the pleadings. There is no genuine issue of material fact which will require a trial. Therefore, plaintiff files this motion for summary judgment. The pleadings and plaintiffs affidavit in support of summary judgment constitute the record for the purposes of this motion. Plaintiff's motion is now before the Court for disposition. B. Issue Whether plaintiff's motion for summary judgment should be granted when there is no genuine issue of material fact which will require a trial? C. Argument 1. Standard for Summary Judgment The Pennsylvania Supreme Court stated that the standard for summary judgment is as follows: Summary judgment is properly granted where "the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits,if any,show that there is no genuine issue of material fact and that the moving party is entitled to a judgment as a matter of law." Pa. R. C. P. 1035(b). "The record must be viewed in the light most favorable to the nonmoving party, and all doubts as to the existence of a genuine issue of material fact must be resolved against the moving party." Marks v. Tasman, 527 Pa. 132, 135, 589 A.2d 205, 206 (1991). Summary judgment may be entered only in those cases where the right is clear and free from doubt. Musser v. Vilsmeier Auction Co., Inc., 522 Pa. 367, 369, 562 A.2d 279, 280 (1989). Pa. State Univ. v. County of Ctr., 532 Pa. 142, 144 -45, 615 A.2d 303 (1992). Additionally, the Pennsylvania Superior Court has held the following: . . .summary judgment is proper only when the uncontroverted allegations in the pleadings, depositions, answers to interrogatories, admissions of record and submitted affidavits demonstrate that no genuine issue of material fact exists, and that the moving party is entitled to judgment as a matter of law. Power Gas Mktg. & Transmission, Inc. v. Cabot Oil& Gas Corp., 2008 PA Super. 54, *P8, 948 A.2d 807 (2008), citing Roche v. Ugly Duckling Car Sales, Inc., 2005 PA Super. 225, 879 A.2d 785, 789 (2005), appeal denied, 587 Pa. 732, 901 A.2d 499 (2006) (additional citation omitted). Even when the limits of Rule 1035.1 are considered, plaintiff is still entitled to judgment as a matter of law because there is no genuine issue of material fact which needs to be tried. 2. Defendant's answer effectively admitted all complaint allegations either directly or through rule of court and case law. Defendant admitted paragraph 2, that is his identity and address. The remainder of the complaint was denied; however, each and every denial was a form of general denial and should be deemed admitted. Paragraphs 1, 3, 5, and 6 all stated that, "Defendant is without sufficient knowledge or belief to admit to this averment." This statement constitutes an admission of those complaint paragraphs for several reasons. Under the Rules of Civil Procedure, defendant's response is clearly an admission. Pa. R. C. P. 1029(a) states, in pertinent part, "A responsive pleading shall admit or deny each averment of fact in the preceding pleading or any part thereof to which it is response." Thus, under Pa. R. C. P. 1029(a), defendant had a duty to either explicitly admit or deny the averments. Pa. R. C. P. 1029(b) states the effect of a failure to admit or deny, "Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication." By failing to respond to any of the facts contained in those paragraphs, defendant admitted the same. Additionally, defendant's response claims a lack of sufficient information which would allow defendant to properly plead, but defendant is the only party(other than plaintiff) who would have such knowledge. The nature of the transaction alleged in the complaint is that plaintiff extended consumer credit to defendant through the use of a credit card. (Defendant also admitted this fact). Common sense dictates that only the plaintiff and defendant would have knowledge of the facts surrounding this relationship. "Unquestionably, apart from appellee, appellants are the only parties who would have sufficient knowledge on which to base a specific Denial." New York Guardian Mortg. Corp. v. Dietzel, 362 Pa. Super. 426, 429, 524 A.2d 951 (1987). One need only inquire who, other than defendant, would know whether the credit card was applied for and received; who issued the credit card, who made use of the credit card, received the billing statements, reviewed the billing statements and made payments on account of the billing statements. Pennsylvania case law also supports this position. In Scales v. Sheffield Fabricating and Mach. Co., 258 Pa. Super. 568, 393 A.2d 680 (1978), the Superior Court was called upon to decide whether a denial made using Pa. R. C. P. 1029(c)was, in fact, an admission. While defendant did not use Pa. R. C. P. 1029(c) in this case, the case law applies because, other than plaintiff, defendant is the only other person privy to the information contained in the complaint. When it is obvious as it is here, that the information necessary to formulate a specific denial is neither within the exclusive control of the adverse party nor unascertainable after reasonable investigation, the court ought to ignore the 1029(c) averment. Delaware Valley Carpeting v. Leicht, 73 Pa. D. & C.2d 51, 53 (C. P. Bucks 1975), affirmed per curiam,234 Pa. Super. 754,342 A.2d 419 . . . We agree with the lower court that it is"incredible that [appellant] as a party to said documents (contract and proposal)and the party responsible for carrying out the building of the prototype should be so completely ignorant of what transpired. . .as to be unable to answer the clear and simple allegations of the Complaint." . . . The lower court properly deemed this response to constitute an admission for failure to admit or specifically the averments. . . Scales, 258 Pa. Super. at 573-74. In the case at bar, defendant claims he does not know who the plaintiff is, whether or not plaintiff is a national bank who issues credit cards or whether plaintiff kept an accurate record of his own credit card account. Even the most cursory review into defendant's own records would allow defendant to respond to the allegations in the complaint. As can be seen from plaintiff's affidavit (discussed below), defendant was clearly informed regarding his credit card account as a result of the monthly billing statements plaintiff sent defendant. Likewise, defendant's denials of the remaining paragraphs are all fact-less statements. Under Pa. R. C. P. 1029(b), defendant was required to support his denials with facts otherwise the denials must be deemed admitted. "Although no fixed rule can be stated for determining whether a denial is specific, generally for a denial to be specific, it must deny what is averred and then must affirmatively aver what did occur in place of the facts as averred." 5 Standard Pennsylvania Practice 2d § 26:40 and the cases cited therein. See also Swift v. Milner, 371 Pa. Super. 302, 538 A.2d 28 (1988) (Court held that response with single word"denied" was a general denial resulting in admission);Acme Cotton Products Co. v. Michael McDonough, Inc., 61 Pa. D. & C.2d 608 (1972), affirmed per curiam, 225 Pa. Super. 701, 306 A.2d 351 (1973) (Court held that when no facts plead to support denial, result was general denial and admission of facts). Furthermore, defendant's various allegations that the balance contains "illegal charges and fees" are erroneous as a matter of law. Plaintiff is allowed to charge interest and fees on the account as a matter of well-settled federal law. The federal National Bank Act, 12 U.S.C. § 85, clearly states that, "Any association may take, receive, reserve, and charge on any loan or discount made, or upon any notes, bills of exchange, or other evidence of debt, interest at the rate allowed by the laws of the State, Territory, or District, where the bank is located. . ." Subsequent case law by both the United States and Pennsylvania Supreme Courts upheld this view. See Smiley v. Citibank(South Dakota), N.A., 517 U.S. 735, 116 S. Ct. 1730, 135 L. Ed. 2d 25 (1996) (Confirming that the Comptroller of the Currency's definition of interest codified at 12 CFR § 7.4001(a), including late fees, interest, and overlimit fees was reasonable); Bank One v. Mazaika, 545 Pa. 115, 680 A.2d 845 (1996). Thus, the law governing interest and other fees which defendant protests is govern by South Dakota law, since that is where plaintiff, a national bank, is based. See Exhibit A, Plaintiff's Affidavit. Under applicable South Dakota law, plaintiff is authorized to charge such interest and fees. See South Dakota Codified Laws § 54-3-1. As expressed in Jewelcor Jewelers &Distributors v. Corr, 373 Pa. Super. 536, 542 A.2d 72 (1988), defendant's judicial admissions from the pleadings pave the way for concluding that plaintiff's motion should be granted. A judicial admission is an express waiver made in court or preparatory to trial by a party or his attorney, conceding for the purposes of the trial,the truth of the admission. It has the effect of a confessory pleading, in that the fact is thereafter to be taken for granted, so that the opposing party need offer no evidence to prove it and the party by whom the statement was made is not allowed to disprove it. See 9 Wigmore, Evidence, Section 2588 (Chadbourne Rev. 1981). It is axiomatic that a judicial admission cannot be contradicted by the party that made it. See Tops Apparel Mfg. Co. v. Rothman, 430 Pa. 583, 244 A.2d 436 (1968). 3. Defendant's fact-less new matter fails to raise a genuine issue of material fact. Pennsylvania is a fact-pleading jurisdiction and, as such, defendant is required to plead facts in support of his affirmative defenses. Pa. R. C. P. 1019(a). Defendant failed to do this. Since no facts were plead, it must follow that no facts can become an issue, whether genuine or otherwise. See CitiMortgage, Inc. v. Nightingale, 6 Pa. D. & C.Sth 375 (2008). Thus, defendant's new matter in no way precludes entry of summary judgment for plaintiff. 4. Plaintiff's affidavit further illustrates there is no genuine issue of material fact. Plaintiff's affidavit is given by a records custodian who is qualified under Pennsylvania law. As such, the evidence given in the testimonial affidavit is admissible under Pa. R. E. 803(6); 42 Pa. C. S. A. § 6108(b) and In re: Estate of Robert Indyk, Deceased, 488 Pa. 567, 413 A.2d 371 (1978). Additionally, plaintiff's affidavit attaches, authenticates and incorporates numerous monthly billing statements for the account, showing the credits and debits to the account and how plaintiff kept an accurate accounting of the account. The affidavit also states that plaintiff provided defendant with periodic statements. The affidavit further states that defendant failed to make proper payments on the account and that defendant is currently in default on the account. The affiant clearly states the outstanding balance that is due and owing on the account. Thus, there is no genuine issue of material fact that defendant had the account at issue, used the account and eventually failed to pay the outstanding balance. Therefore, summary judgment is proper. D. Conclusion Defendant's judicial admissions are binding and conclusive on him. They establish proof of plaintiff's account stated cause of action which proof is bolstered by plaintiff's testimonial affidavit. Since there is no genuine issue of material fact, plaintiff is entitled to summary judgment as a matter of law under Pa. R. C. P. 1035.2 and judgment should be entered against defendant in the sum of$5,556.97, plus the costs of this action. Burton Neil & As .%'ates, P.C. By Neil Sark: , Esquire Attorney for P aintiff In making this communication, we advise our firm is a debt collector. Burton Neil & Associates, P.C. By: Neil Sarker, Esquire ID. NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 2012-4526 CHARLES R HAINES Defendant : CIVIL ACTION - LAW Certificate of Service I,Neil Sarker, Esquire do hereby certify that I served a true and correct copy of the within Motion for Summary Judgment, Praecipe for Argument and proposed Order on pro se defendant, Charles R Haines at his address of record via first class mail,postage prepaid on the date set forth below. Burton Neil &Associates, . . Date: it (#71( By: Neil Sarker, Esquire Attorney for Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. C-58105 c#lpt Praecipe for Listing Case for Argument (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: rij Please list the within matter for the next Argument Court. - 4 C) , ------------------------------------------------------------------------------------------------------__---------= �= CITIBANK N.A. --- Plaintiff c V. CHARLES R HAINES Defendant NO. 2012-4526 1. State matter to be argued (i.e.,plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Motion for Summary Judgment 2. Identify counsel who will argue case: (a) for plaintiff- Neil Sarker, Esquire c/o Burton Neil &Associates, P.C. address: 1060 Andrew Drive, Suite 170, West Chester, PA 19380 b ) for defendant: Charles R Haines address: 419 Eisenhower Drive Carlisle, PA 17013-1679 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: September 27, 2013 Z111*/ Neil Sarker, Esquire Attorney for the Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. C-7F' 13 3,§V e#: 19 V60�/ £pp lce 2013 SAP 1 �ONO 1 q :CUtj$F8 P111: 08 !q Burton Neil&Associates,P.C. Neil Sarker,Esquire ID.NO. 203465 1060 Andrew Drive, Suite 170 West Chester,PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,N.A. IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY PENNSYLVANIA V. NO. 2012-4526 CHARLES R HAINES Defendant CIVIL ACTION-LAW Praecipe to Withdraw To the Prothonotary: Plaintiff, CITIBANK,N.A., hereby withdraws its Motion for Summary Judgment. Burton Neil &Associates, P.C. By: Neil Sarker, squire Attorney for Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. C-58105 /316 Burton Neil & Associates, P.C. By: Neil Sarker, Esquire ID. NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,N.A. IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 2012-4526 CHARLES R HAINES Defendant CIVIL ACTION - LAW Certificate of Service I,Neil Sarker,Esquire do hereby certify that I served a true and correct copy of the within Praecipe to Withdraw on pro se defendant, Charles R Haines at his address of record via first class mail, postage prepaid on the date set forth below. Burton Neil &Assoc' tes, P.C. Date: L By: Neil arker, Esquire Attorney for Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. C-58105 C-58105 /314 Ro 1613 Srp tA8, cul PC4VA SS , U IANr y ��A Burton Neil & Associates, P.C. By: Neil Sarker, Esquire ID. NO. 203465 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,N.A. IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 2012-4526 CHARLES R HAINES Defendant : CIVIL ACTION - LAW Praecipe to Discontinue To the Prothonotary: Kindly discontinue the above-captioned action without prejudice. Burton Neil &Associa , P.C. By: NeiTSark6r, Esquire Attorney for Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector.