HomeMy WebLinkAbout01-4956IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
VS.
SUZANNE E. FLATHMANN,
Defendant
NO. -
CIVIL ACTION -LAW
NOTICE
You have been sued in Court. If you wish to defend against the claims set forth in the
ibllowing pages, you must take action within twenty (20) days after this Complaint and Notice is
served, by entering a written appearance, personally or by 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 document, or for
any other claim or relief requested by the Plaintiff. You may lose money or property or other
rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
NOTICIA
Le han demandado a used en la corte. Si used quiere defenderse de estas demandas
expuestas en las paginas siguientes, used tiene viente (20) dias de plazo al partir de la fecha de
lademanda y la notificacion. Used debe presentar una apariencia escrita o en persona o por
abogado y archivar en la corte en forma escrita sus defensas o sus objeciones a las demandas en
contra de su persona. Sea avisado que si used no se defienda, la corte tomara medidas y puede
entrar una orden contra used sin previo aviso o notificacion y por cualquier queja o alivio que es
.pedido en la peticion de demanda. Used puede perder dinero o sus propiedades o otros derechos
xmportantes para used.
LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE
ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO,
VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE
ENCUENTRA ESCRITA ABA JO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASSISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
Document ii.. 211505 l
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
VS.
SUZANNE E. FLATHMANN,
Defendant
CIVIL ACTION -LAW
COMPLAINT
AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and through its
attorneys, Steven C. Courtney, Esquire and Metzger, Wickersham, Knauss & Erb, P.C., and states
the following cause of action and in support thereof, avers as follows:
1. Plaintiff, Pennsylvania State Employees Credit Union, is a financial institution
qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place of
business situate at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania.
2. Defendant, Suzanne E. Flathmann, is an adult individual with a last known address of
1200 Kings Circle, Mechanicsburg, Pennsylvania 17055.
3. Defendant is, and at all relevant times material hereto was, the co-applicant for a
Personal Service Loan.
4. On or about Jtme 19, 2000, Defendant applied to Plaintiff for a Personal Service
Loan. A true and correct copy of the loan application is attached hereto, incorporated herein and
marked as Exhibit "A".
Document ii: 211505.1
5. Pursuant to the loan application marked as Exhibit "A", Defendant agreed to the
terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security
Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit
and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B".
6. The contract marked as Exhibit "B' contains the terms and conditions of the
extension of credit agreed to by Defendant.
7. Various charges and/or purchases were made by Defendant on the Personal Service
Loan with Plaintiff.
8. Defendant has not made a payment on account of the Personal Service Loan with
Plaintiff since October 12, 2000. A true and correct copy of a partial statement of account for the
Personal Service Loan consisting of one (1) page, is attached hereto, incorporated herein and
collectively marked as Exhibit "C".
9. Plaintiffhas maintained a statement of account, marked as Exhibit "C", keeping an
accurate and running amount of debits and credits made on Defendant's account.
10. Plaintiff has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
11. Defendant has not objected to any of the monthly statements of account submitted by
Plaintiff to Defendant.
12. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has
failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account
balance, all to the damage of Plaintiff.
Document ii: 211505.1
13. As of July 17, 2001, the balance due, owing and unpaid on Defendant's Personal
Service Loan account with Plaintiff is the sum of Twenty Thousand Two Hundred Four and 72/100
Dollars ($20,204.72).
14. Pursuant to the terms and conditions of the extension of credit contained on the loan
application, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on
the principal loan balance.
15. Pursuant to the terms and conditions of the extension of credit, Defendant agreed to
pay reasonable attorney's fees and all court and collection costs.
16. Plaintiff has retained the services of the law firm ofMetzger, Wickersham, Knauss &
Erb, P.C. in the collection of the amounts due and owing by Defendant.
17. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees
from the law office of Metzger, Wickersham, Knauss & Erb, P.C. in the collection of the amounts
due from Defendant incident to the within action, and Plaintiff shall continue to incur such attorney's
fees throughout the conclusion of the proceedings.
18. The amount of attorney's fees incurred in this matter is the sum of Four Thousand
Forty and 94/100 Dollars ($4,040.94).
19. Any and all conditions precedent to the bringing of this action have been performed
by Plaintiff.
20. The amount in controversy is within the jurisdictional amount requiring compulsory
arbitration.
Document #: 211505.1
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests
this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Suzanne E.
Flathmann, in the amount of Twenty Thousand Two Hundred Four and 72/100 Dollars ($20,204.72),
plus interest, reasonable attorney's fees in the amount of Four Thousand Forty and 94/100 Dollars
($4,040.94), the costs of this action, and such other relief as the Court deems just and proper.
Dated: ~2001
Respectfully submitted,
,METZG~M, KNAUSS & ERB, P.C.
I/'",
Stev C/Cou &t, Esquire/X,
3211 N. F, Lont Stree't--...~J ~
Box 5300 ~
Harrisburg, PA 17110
(717) 238-8187
I.D. # 74669
Attorney for Plaintiff
Document tl 211505.1
VERIFICATION
I, Bonnie L. Berkoski. hereby certify that the following is correct:
The facts set forth in the foregoing Complaint are based upon information which I have
furnished to counsel, as well as upon information which has been gathered by counsel anrt/or others
acting on my behalf in this matter. The language of the Complaint is that of cotmsel and not my
own. I have read the Complaint, and to the extent that it is based upon information which I have
given to counsel, it is true and correct to d~e best of my knowledge, information, and belief. To the
extent that the content of the Complaint is that of counsel, I have relied upon such counsel in
making this Verification. I hereby acknowledge that the facts set forth in the aforesaid Complaint
are made subject to the penalties of 18 Pa. C.S.A. §4904 relating to unswom falsification to
authorities.
Date:
Bonnie L. Berkoski
Exhibit A
PERSONAL SERVICE LOAN AND VISA ACTIVATION NOTICE
Loan
June 16, 2000
Information: SS #: 262-79-1485 Applicant: JOHN C FLATHMANN
Ref#: 114963 296 S Co-applicant: SUZANNE E FLATHMANN
ApprovalAmount: $20,000 Co-applicant SS#: 189-52-5516
Home Telephone #: 717 732-4445 Work Telephone #: 717 612-8416
We ackn ~'-~ dge recei o~fth~ p U LOANLINER Disc
Signatures: A tee ~t~ ~P~oftb'e PS~C ' Iosure and Credit
g ~ q~ agre~~y the terms set forth jn said agreement.
g ~SUZANNE E 'F~.~TNMANN' - Date
NOTICE TO CO-APPLICANT: The Go-applicant is a person who is responsible for the entire debt. The Ce-applicant will a/so be
ob#gated to pay fees and collection costs if any, PSECU can co#ecl this debt from the Co-applicant without first ~ying to collect from
the Applicant. PSECU can use the same collection methods against the Co-applicant that can be used against the Applicant. If this
debt fs ever in default, that fact may become a part of the Co-applicant's credit history. As a Co-applicant, you should make certain that
you want to accept the responsibility for paylng the entire debt.
el would like an immediate PSL,..,ad~.sce of $._~. PURPOSE; /~¢
Send a [] check, or ~r'-deposit to my S4 (MoneyHandler/checking Shares)-
· Select your Pemonai Se~ice Loan repayment opdon. ~ Payroll dedu~ion ~ Automatic Transfer ~ Direct Payment
~ Self Se~ice Telephone
I ~nt ~ do not want overdra~ prote~ion from my Personal Se~ice Loan.
I would like an immediate VISA advance of $. · PURPOSE:
Send a ~ cheek, or deposit to my S4 (MoneyHandledCheckJng Shares)
You may have one additionaf card i~ued on your VISA account. Indicia your c~oi~ below:
Plea~ issue an addi~onal card (with the same ~SA number as mine) in the name of ~e co-applicant,
SU~NNE E F~THMANN.
~ ~lea~e ~ssue an additional ~,d In the name below, f a~or~e h[~ use, and I
~ ..... ,~.~ ~us or obtain VI~A account info~atJon d.a. deb~d ~a~sacfions~al~atfon~men
. actM¢. JOHN C F~THMAN. must sign below, /
[] Homebanking
SCANNED
Exhibit B
Loan Disclosures
~ LOANLINER* Cmo~t and Security Agreement, which incfodes the Troth In
Lending Discin~uras, will be referred to as the Plan. The Plan <~ments include
this Agreement and an Addendum. You, your and borrower mean any parson who
signs the Plan. Credit Union, we, our and us mean PSECU or anyone to whom the
Credit Union tran~ers its rights under tho Plan. This is a muifi-stste document which
may be used to lend to borrowers in all states.
1. HOW THIS PLAN WORKS -- This is an open-end, multi-featured credit plan. We
anticipate that, from time to time, you will borrow money (called 'advances") under
the Plan. We are not required to make advances to you under the Plan and can
refuse · request for an advance et any time. The Addendum descHbas the
different t'/pes of credit (called "sebaccounts") avaitable under the Plan, the current
interest rate for each subaccount expressed as a daily periodic rate and
corra~oonding annual percentage rate and other charges. It may also have other
terms and a schedule for determining the payment amounts.
2. CREDIT LIMIT -- We may, but do not have to, establish a credit limit on certain
suboccounts. If a credit limit is set for a subaccount, you promise not to exceed the
established credit limit. If you exceed the credit limit, you promise to repay
~mmediataly the amount which exceeds the credit limit.
3. REPAYMENT--You promise to repay all amo4Jnts you owe under the Pla~ plus
Interest. Payments are due on the last day of the month unless we set · different
Pate at the time of an advance, if the Addendum has no payment schedule for a
suboccount, your payment will be determined at the time of each advance.
Payments m~l include any amount past due and any amount by which you have
exceeded any credit limit you have been given for a subaccount, You may repay afl
or part of what you owe at any time without any prepayment penalty. Even if you
prepay, you will still be required to make the regular;y scheduled payments unless
we agree in writing to a change in the payment schedule. If you have a joint share
draIf account, you will bo responsible for paying all overdraft advances obtained by
a joint hotder of the share draft account. P~yments will be applied in the order the
Credit Union chooses.
4. PLAN ACCESS -- You can obtain credit advances in any manner authorized by
us. If we stlow you to use your ATM/E~blt ce. rd to access the Plan, you may be liable
for the unauthorized use of your ATM/'Deblt card. You will not be liable for
u~authodzed use that occurs after you nctity us, orally or in writing, of the loss, theft,
or possible unauthorized use. If you believe your A'rM/[3eblt card has been ~ or
st<den, immediately inform fl~e Credit Union by calling or writing us at the telephone
number Or address that appeam elsewhere in the Plan. If the card is used to obtain
advanoss directly from the Plan, your liability will nut exceed $50. If the unauthof'ized
withdrawal is from a share draft account, your liability is governed by the Regulation
E disclosures you received at the time you received your ATM/Debif card, even if the
withdrawal rasuits in an advance being made from your overdraft subaosount.
5. FINANCE CHARGE --The dditar amount you pay for money borrowed is called
a Finance charge' and pagiss on the Pate of each advance. A finance charge will be
computed separately for each separate balance under the Plan. To compute the
an advence If YO~ have nut yet made a peymerd) is multiplied by the appitcabin dally
rerindic rate. The sum of th~se amounts is the finance charge owed. The balance
have been made. In addition to interest, we may charge ofher finance charge.,; which
are cliasfo~ed on the Addendum. If the interest rate is a variable Interset rate, the
Aciffendum explains how the variable interest rate woft(s.
6, SECURITY INTEREST-- The Plan is secured by the shares and deposits in all
~int and indlvidLml accounts you have with the Credit Union now and in the future.
Sharse and deposits in an Individual Retirement Account and any other account
which would lose special tax treatment under state Or federal law it given as security
are not subject to the securify interest you have given in your shares and deposits.
Additional security may be require<] depending on the subaccount under which an
advance is mquasted. FO; example, a subaosount called 'New Car Advances"
means the security wilt be a new car. A subacco4~nt called 'Other Secured
Advances' mea~s you must offer security acceptable to the Credit Union for the
advance. Property given as security for any edvenos under the Plan will secure all
other amounts you owe under the Plan Or under any other Agreefnent with us now
or in the future. Property securing other loans with t~s may also secure the Plan.
However, If you have given your dwelling as security fo~ a loan with us, that dwelling
wltl not secure an advance made under the Plan.
7. PROPERTY INSURANCE, TAXES AND FEES --You will he required to purchase
property insurance on osrtain types of security that you give for advances. Y~u may
~Jn:ttsee ;he property insurance from anyone you choose v/no is acceptable to the
OCUNA MI.,'TUAL GROUP, 19~O, ~2.84. ss, 89.97. ALL RIGHTS RESERVED ~
If yo~ cancel your insurance and get a refund, we have a right to the refund. If the
property is lost or damaged, we can use the Insurance settlement to repair the
properly or apply it towards what you owe. Ycu authorize us to endorse any <]raft or
check which may he payable to you in order tot us to colleut any refund or benefits
due under your insurance policy. You profnise to pay all taxes and fees (like
registration fees) due on the property and to keep the property insured against foss
and damage.
If YOu dd nut pay the taxse or lese on the lbegerty when dde or keeq it insured, we
may pay these obligaltons, but we are not required to de se. Any money we spend
for taxes, fees or insurance will be added fo the unpaa~<l balance of the advance arid
you will pay interest on those amounts at the same rate you agreed to pay on the
advance. We may receive payments in connection with the insurance from a
company which provides the insurance. We may monitor our loe~s for the purpose
of determining whether you and other bonowem have complied with the insurance
requirements of its loan agreements or may engage nthem to do se. The insurance
charged added to your advance may include (1) the iosurance company*s payments
to us and (2) the coot of determining complmm;e with the Insurance requirements. If
we add amounts for taxes, fees or insurance to the unpaid batsnce of your advance,
we may increase y~Jr payments to pay the amount added within the term of the
insurance or ap~reximate term of the advance.
8. NOTICE-- If you do not purchase the required property insurance, the insurance
we may purchase and charge you for will cover only our Interest in the property. The
insurance will not be liability Insurance.
9. CREDIT INSURANCE -- Credit lite and/or credit disability insurance is optional
under the Plan. If you quatify for and parchase the insu~ from us, you authorize
us to add the insurance premiums monthly to your loan balance and charge you
iriforest on the entire balance. If you elect c~edlt insurance, your payments may
~ncrease or the period of time necessary to repay your advance may be extended
beyond the approximate term stated on the Addendum. The credit ir~urance rates
may change alL,ring the Plan. If the rates change, we will prOvide any notices
required by applicable law.
10. PERIODIC STATEMENT -- On a regular basis yo~ will receive a statement
showing all transactions under the Plan during the geried covered by the statement.
Statements and notices will be sent to you at the most recent address you have
given us in writing. Unless applicable law requfres notice to each joint borrower,
notice to any one of you will be notice to all.
11. JOINT ACCOUNTS -- If this is a joint account, each of you is individually and
jointly responsible for paying all amounts owed. That means we can enforce our
rights under the Pla~ egainst any one of you individually or egainst all of you
together. If you give us inconsistent instructlorts, we can refuse to follow your
tnsttuctioos. Unless our..~vrltten policy requires all of you to sign for an advance, each
of you authorizes the other(s) to o~tain advances inclividually and agrees to repay
advances made to the other(s).
12. FEES AND CHARGES -- if yo~J give os a secur;ty interest in certstn types of
property, we may charge you e filing fee to parfoct o~r interest in the pmper~
the amount of the foe will be disblosed to you at the time you obtain an edvanca. We
disclosed on the Addendum and will be added to your loan I~atsnos unless you pay
them In cash.
13. UPDAtiNG CREDIT INFORMATION --You p~omise that yo~ will pro~ give
us written notioe it you move, change your name or emp~nt, or If arty other
information you provided to us changes. Upon our request you also agree to provide
us updated financial information.
14. DEFAULT -- The following paragraph appllea to borrowers in Idaho,
Kansaa, Maine and South Carolina: You will be in ddfauit ff yo~ de not make a
payment of the amount required when it is due. You will also be in delauit ti we
believe the pros~ueut of payment, performance, or realization on any property given
as security is significantly impaired.
The following paragraph applies only to horrowera In Wisconsin: YO~ will be in
default it you fail to make a payment when due two times during any 12-month
~erk3d. you w~ll he in pafautl if breaking any promise made under the Plan matarla[ly
impairs your abll~y o repay what you owe. You will also be in default it breaking any
promiss made under a Sec~nty Agreement made in co~neutlon with an advance,
materla y impairs the condition, value, or protection of or our right in the property you
gave as security.
The following paragraph applies only to borrowe~ In towa:Yo~ Wire bo in detoult
it YOu are more than 10 days tsta in making a payment, you wilt atso be in defautl If
in,fonmatfan, or If something hapf:~s we believe may substantially reduce your
ability to repay what YOu ow~. You will also be in default under the pfan It y~j ~ in
default under any other loan agreement with us.
15. ACTIONS AFTER DEFAULT -- The following paragraph applies to
borrowers In Colorado, District of Columbia, Iowa, Kansas, Maine,
Massachusetts, Missouri, Nebraska, West Virginia and South Carolina: When
you are in default and after expiration of any right you have under applicable state
law to cure your default, we can demand immediate payment of the enltm uapaki
The fo#owing paragraph applies fo borrower~ In all other states except,
Wisconsin and Louisiana: When you are in default, we can require
payment (accalamtion) of the entire unpaid balance under the Plan. Yo~ wa'~e any
right y~j have to
demand fo; payment, notice of intent to accelerate and notice of
acceleration.
The following paragraphs apply to borrowers In all states except, Wieconsln
and Louielana: If Intmedfafa payment is demanded, you will continue to pay interest
until what you owe has been repaid, at the applicable interest mtee In effect unless
a default rata is disoi~ed on the Addendum. if a demand for imrned~ate payment
has been mede, the shares and deposits given as security for the Pfan can be
applied towards what ~ owe. We can also exercise any other rights given by law
when you are in default.
You agree the Credit Union has the right to take possession of any properly given
as sscurby for an advance undor the Pfan without Judicial procass if this can be done
wi~out breach of the peace. If we ask, you promise to deliver the property at a time
and place we chocae. We wifl not be responsible for any ofher property, not cavered
by this Agreement, that you leave inside the property or that is attached
property. We will try to return that properly to you or make it available to you to claim.
amounts YOu owe ss. We will give you nolJca of any public sais. o~ the date after which
a pdvats sale wa be held. Our ex~ensss for taking possession of and ssaing the
16. ACTIONS AFTER DEFAULT -- WISCONSIN -- The follow/rig paragraph
applies only to WIscop.~ln borrowe~: When you are in default and after expiratton
of any tight you have under applicable state law to cure your default, we may require
immediate payment of y~Jr oetstanding loan balance under the Plan and seek
3cassssiun of tbe Property. You may voluntarily give the pn)perty to us if you chocae,
or we may seek to take Ix=ssessiun of the pmpen*y by judicial process. If ,~
repossess the property, ~ agree to pay reeeonab~e expenses incurred in disposing
of the Pn3perty. If the property la a motor vehicl(
boat or airc~aIf, you will also be required to pay any coats permitted by Section
422,413 of ~e Wisoonsln Statutes.
17. ACnONS AFTER OEFNJLT -- L~ ~ The foaowfog paregrap~
~ °nly fo Loulaiena bom=w~'s: Wben y~x~ am in defaa% we ssn requim
waive any dght YOu ha~ to den~and kx paymeet, no6ca of Imeet to accafarate and
no'ca of ~ -"'"'Yem6on- If intmediae peymunt is demendeq, you vail cuntinoe to pey
Internal umil what Y~U owe hss beee mpelcl at the al~Olcebfa intersst ratos in effac
unfass a default rats is discic~K] un ~e Addendum. ff a cismund for intmedfata paym~mt
~n defauif and ear ~hts unde~ uny sscurlty agmeme~s you ha~ with ss.
18. CANCELUNG OR CHANGING' THE PLAN ~ The fo/iewing paragraph
applies °nly to borrowera ln llllnola: We have the rlght to change the tomls of
~he Plan from time to time after g;vlng you any advance noltca required by faa. Any
change to the interest zeta or other chargee will apply to futura advances.
The following paragraphs apply only fo borrowe~ In Wl~wsin: We can
change tbe terms of the Plan from ltme to time In accordanoe with Seetlon 422.415
in the dally pertoclic rate under a vadabfa rate Interest rote la no~ oonsidered a
change In terms under the pfan.
We can cancel the entire Plan or any pert of the Plan at any time, You may carmel
the Plan at any ltrne by giving us pr;or wdifen noltca. Your o~igalton to payee
union (:ancat the F~I, except to the extent that you~- Ifabltlty is limfted by Sectinn
"e ~°wmg pat~graPn ~ only m ~ m towa: We cat~ of14~ the
faw- A change that Inomass~ Ihe fate of fi~ulce chaege or ofber ..,..~ Ulat'
~ng~~~l~We~
~ at ~r d~,
~y to ~
~ a ~l~u~r~ P~n, We ~n ~ ~ ~m ~ ~~
~y the un~ ~l~s
19. DE~Y IN ~FORCI~ RIG~ ~D CrinGES ~E
20. CO~NUED E~E~EN~
21. ~E SECUR~
P~ ~ ~ 10 ~ of ~ Ad~ or ~ ~ ~
~. WHAT ~E SECUR~ I~RE~ ~VERS
· e A~ de~ in
~ us ~r a~ ~n ~or ~ ~ ~m, ~ ~ ~ ~r~ ~r ~
~. ~NERSHIP OF~E PROPE~
E ~e ~ ~ ~ ~ ~ p~, ~u p~i~ ~ ~31 u~ ~ ~ ~r ~t
pu~. y~ pr~ ~t
P~t ~ ~ ~ma~ ~ ~ ~ ~ ~t to ~ ~ ~ ~
al~ ~ ~
~m ~ P~ ~ ~ ~) ~ ~ ~ ~ ~ ~ ~r~.(4)
~en or ~. (6) ~ ~ ~ ~ ~ ~ u~l ~.
~. NO~ DA~A N~ ~ ~RR~S PUR~G A M~R
VEHIC~. ~E M~R
REPOSSESSION. IF
~D A~ AMOU~ DUEndE SECURED
27. VERMO~ NOTICE TO CO-SIGNER ~ YOUR
SIGNATURE ON THIS NOTE MEANS THAT YOU ARE
EQUALLY EABLE FOR REPAYMENT OFTHIS LOAN. IF~E
BORROWER ~ES N~ PAY,~E LENDER HAS A LEGAL
HTTO COLLECT FROM YOU.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT.
ff YO~ think Y~Jr alatemem is wfnog, or ff you noed mom intormaflon about a
transecti°~ on YOur stetement, wrlte us on a separate shset at tha addmse listed on
your statemenL Write to us as sno~ as pussibte. We mcat haar from you no later
In your leKer, give us the k~lowtng in--tko: · Your n~me ~nd account number.
· Th~ do~l~r 8mount o~ the m)spected enor.
' [~be the err°r ~K/ex~ain, ff y~J c~n, why you ball,ye V~e is ~n enor.
w~rl'rEN NOTIC~ - We must ~ ~o~Jr letter v~hin 30 d~s, un,ss we
~CO~T~-~eci ff~e .error by then. Within g0 da~s, we mus~ ei~er correct the e
i~%tha! we made a mi~lke no your alatement, you will ncc have ~ --~
enyq amount, ff we didn't make. --,~_,
eithar case, we will send yo~ a stetersent
of the amount YOU owe end the date that it is due.
~e~r,I t° PaY the am°unt that we think you owe, we may repod ,_.. as ~.,
ff our e~Manaifon does not ........... ~ ~e,nquer¢._
have a question about ~,-*~ -.~ ..................
SPECIAL RULE FOR CREDIT CARD RIJRCHASES m If you have a problem with
the quality of properly or services that you purchased with a cmciif card
have thad in gnod faith to correct the problem with the me~,~o,., .-.. %and you
right not to pay the remaining amount due o~ the property or services, '[~em are
limitations on this right: (a) You must have made the purcl'~se in your home state or.
~ flmifaifo~s de not apply If we ow~ o*' operate the merchant,
,ou the advertisement for the property or sen4cas, or if we mailed
Credit ............. ' ...*.-~,..~ans your vISA Credit Card Line of
1 RE Credit Unio~
· SPONSlBILITY _ If we issue you a card, you agree to repay all debts and
the Financa Charge arising from the use of the card a-.~
chifdmn. You are also res~-~l~'-?,-"-''"~u~ oy ~'o~meif, your spouse and minor
.., th.. o.nt now
give noifse to the Credit Union. Such liability do~s not apply when the card is used
to make electronic fund transfers. The Credit Union uses neural network, w~ich by
~RE__D~", INFORMATION ~r~u authodze us to i,-,v,=,,..fa-,,,te
~ of pu~ .rc~se$ arid Cash advencas, the Total New ~al~ th
n~tmum ~ a ~t~a?v~omv~a grr~hnm~,t you may authorize US to cha~ge the
.......... "~ "~v~ "s greater. In adcrfllon, at any lime your Totsl
charges, then to current late fses, then to r,m,,~ ,~ cash ......
:rocca. a rma cham on.u.
....... ~unL o~ me New ualanca of Purchases each month within 25 day~ ~f ~ou~
,daily baJanca (see explanation below1 includin~ n ....... .n_g ._ ~ ~ ~djusted
advances duri-- the ~in~y~'"'''~ ~a.y oamnca (see explanation below) for cash
fri~sat~o~st~Y~ ~B~t~ted~r~ Pu.?ses- The Average Daily Balanoe for Purchase
.~ ey adding the Daily Balances (Purchase Transaction) for
c~d~y_ In, if? billing cycte, and then d/riding by the number of dnvs in
.......... "~'"'"=~ng °manca (all amnonte you owe) at the starl of tha da~.
t° your account that day. After applying .._~_... and ____. __
......... 'u ~'x~'"'=' ' ';~ gwes us the Dally Balanca for pumhases.
~_~_ _yo~_ r ~acse~nt are not k~uded In the Average Daily Balance
"m:~raY ~eno(llc Rate. The Average Dally Balanca for
o~t~. ~:luenca I~ which amounts am posted to your account, we add the amoums
Payments are
to youl' ACOo4Jnt On yoer next ~'tatament.
8. DEFAI~,LT ~ ~ ~11 ~ ~ ~ ~ ~ ~1 ~ ~ ~ M~um ~e~
~ ~ ~r ~r ~ ~t~nt ~ ~ta.~ a~ ~ ~ ~r
~ ~ ~ ~r ~um ~ ~ ~A~ ~ff ~ ~ ~ ~
~ ~t~ ~.We ~ ~ ~flt to ~ im~te ~ ~ ~r
~a ~ ~ ~ ~ ~ ~b~ to ~r g~ ~ ~ ~ ~i~ ~
~. To ~ e~e~ ~ ~ ~w, ~u ~11 ~ ~ ~ulr~ ~ ~y ~r ~1~
~es. i~uding ~ ~s~ and m~onable a~o~ f~s.
9. USING ~E C~D ~ To ~ a pu~ ~ ~ a~, ~m ~e ~
~ ~ ~ ~ ~ ~ ~t~ T~ler ~ ~ ~ ~ of e~
~ ~t ~ ~ to ~ VI~ ~m.~ ag~ ~t ~ ~11 ~ ~ ~r
~ ~ ~ ~ ~t ~ i~l u~r ~1~ ~. ~te, ~ ~ ~.~
~ ~t~nt m~ ~ ~ ~ e~ te~i~l or fl~ ~
at ~ ~ ~m ~. ~ ~, ~ a~, ~ ~ ~r ~~
10. R~RNS ~D A~U~ ~ Me~ ~ ~m ~ ~r~ ~
~ g~ ~ ~ m~ ~ a~n~. ~ ~ ~ ~ ~ ~ ~ usa
~ ~ us. ~ ~ll ~ ~ ~ ~ ~ a~i~ ~um ~
a~ ~ ~, or ~ ~ ~ ~e ~llar or mom, mf~ ~ ~ ~ur w~ r~u~ or
a~ after ~ ~.
rote, v*~<:bev~ Is aPPitcat34e, fo effect oqe day prkx to the ixocessing ~ate'
Increesed by one perce~L
P~al meechant or ifnansisi instRution to honor your caed. We are sut~ to ~n~ a~d~
will be secured by your pledged shares (Deposits) and by the p~operty described in
law. Yeer use of the card thereafter Nit Incl'mta your agreement to the arne~lm-~-n.~' I
~ a~e ~n.e. i"ayment Due Date, you witl be subject to a siogle charge of 5% of the I
MONEY ACCESS CARD CARDHOLDER AGREEMENT - ~ Undersigned (you
or your), in consideratio~ of THE PENNSYLVANIA STATE EMPLOYEES CREDIT
UNION (we, our and us) issuing to you a MONEY ACCESS CARD/~iereby agree
to be legally bound by the following terms and concritions. You agree that the use of
your MAC card(s) constitutes acceptance of the terms and conditk~s of this
Agreement. yo~ understand that MACe is a cm¢~t--related service and you authorize
PSECU to obtain a credit report on any users of this account.
1. Accounts and Uee$ of MONEY ACCESS CARD
You have the account(s) (including Checking and R6gular Shares). ~,hich we set
forth on your application form with this Agreement. You hereby request that we
issue to you one or more MONEY ACCESS CARD(s) to be used In c~nection
ACCESS CENI~R· to (1) withdraw cash from. (2) make or arrange for deposits
ftm balance in your acoount(s) or (5) make cash advances from your credit
ee~vtcee ('Purchase') at any retail eetab~tshment ('Merchant') where MONEY
ACCESS CARDs are accepted by suc~ Merchant. If you use the MONEY
Morchant, YOu shait be ~:lueeting us to ~ funds in the amouof of such
avaita~e and which we advise you are offered in connection wifh your eecou~(s)
directions to a human telior. You also understand that a Iderchant whlc~ accepts
the MONEY ACCESS CARD for a Purchase transaction may have an electronic
terminal (Merchant operated or Serf-Service) which requires the use of your PIN
and ~vhen your PIN is used at a Merchant's terminal, it will authenticate and
validate the directions given just as your actual signature will authenticsta and
validate your directions given to L~. YOU acknowledge that your PiN is an
ideetitication code that is personal and confidential and that the use of the PIN
with the MONEY ACCESS CARD is a eecodty devise for your account(s).
Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT
NO ONE ELSE LEARNS YOUR PIN.
3. Uabitlty for Unauthorized 1Yansactions
You agree to co~tact us at once it you believe the MONEY ACCESS CARD(s)
issued to you or PIN has been ~ or stolen or money is missing from your
account(s). You also agree that if your m<x~hly statement shows tmnsactione
whlcfl YOU did not make, and you do nnt contact us within 60 days &ftar the
statement was maite~ to you, you may not get any money lost after ~at time.
YOU AGREE THAT IF YOU GIVE YOUR MONEY ACCESS CARD(s) and PiN TO
SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR
BEHALF AND YOU WILL SE RESPONSIBLE FOR ANY' USE OF THE CARD(s)
BY THEM. You could ioee stl y~3ur mo~ey in the acoount(s) ti you tal~e no ac~io~
to noflfY PSECU of tha loss of your MONEY ACCESS CARD or piN. Sefegu~rd
YOur Pemonal Ideeitflc~tion Number (PIN), Oo nof tell cr disck)~e yoor PIN to any
other pemon. Do not write your PIN on your MONEY ACCESS CARD. Do no{
keep a written reeord of your PIN near your MONEY ACCESS CARD. Do not
c~eese a PIN that is easity Ipenflfial31e.
A new ca~ may be crdered for you st that time and a qtokr witl be placed on
retained by the MONEY ACCESS CENTER, PLUS SYSTEM, or HONOR ATM.
Yee agree to pey a 50 eerd c~arge for eech pepe~it cr withdrawal exeeeding 15
a month. You agree t<~ pay the 50 eent penstty charge on any ceeh disbursement
transactk~ (foan ach~anne cr share wffhdmwal) that is lees than $20. you agree
to PaY · 25 ceof ctlarge on each balanse inquiry. You agree to pay the chargee
or transaction foee v, tflch are chmged by us for tbe~e eenacee or for set,nee
from itme to time.
You agree that when you make a deposit at a MONEY ACCESS CENTER that
If you deliver cash. chect~ o~ other Itams to · MONEY ACCESS CENTER. you
dapond on eer mios and rege~aif~s mger~g the per~cu~ar acoeent in wi~ch YOu
Is made at a MONEY .aCCESS CENTER ~at Is ovmdo by ns o~ another f,~mcfal
ft the MONEY ~SS CARD is tssued for a Joint ascoent, you agree to be
)°faifY and eevarally lisbfa under the tem~ of this A~lraement and the agreemant
f°r such acoount Yoe agree that if you make deposits or paymants to your
account(s) w~ ~ other than cash (cbec~, drafts or other Items) and we
agree that we may deduof the amoums of such funfla from your ascount(s) which
are not collected or, if the fa~de in your accoum(s) are insufficient at such time,
you will promptly pay to us any amount of such funds which are not collected.
7. Amendment of thia Ag~ement
You agree that from time to time ~e may amend or change ~ terms of.tiffs
agreement inctu~ng amendments or changes to adO farther MONEY ACCESS
CARD aswtcas or to amend or cflange tbe cflarges tor lhase eer.~Icas. We may
d° su bY nottfY~g YOU In wdifng of such amandments or changes and your nse
of the MONEY ACCESS CARD after the effective date of any such amendman
or change shall constitute your acoeptem:e of and agreement to such
amendment or change.
8. Ownemhlp
You agree that the MONEY ACCESS CARD Is our property and you will
surrandor If to ns upo~ our raquast. You agree that the MONEY ACCESS CARD
g. Diaofoeuree
your ngn~s unoor the Eisofmofc Funds Transfer Act and a copy of this Agreement.
REGULATION "E" DISCLOSURE
1. Summary of Consumer Liability
· MAC, ACH and SST - Tell us at o~ee if you believe your card has been lost or
stolen. Telephoning Is the best way to keep your possible Ioasas down. You could
~ all the ~ in your account plus your maximum overdraft line of credit. If
you beiteve your card has been lost or stoian, ar~l you tell us Within two besfaens
~s after yo~ isam of the loss or theft, you can loss no more than $50 If
If yo~ do not tell us within two business flays after you isam of the loss or theft
of your card, and we can prove we could have stopded someoue from using your
card without YOOr parmission if you hed told us, you could Inse as much ss $500.
Also, It your statement shows tmnstors that you did not make, tell us at o~co. if
you do not tell us within 60 days after the staf~mont was mailed to you, you may
net get back any rrloney YOU loot after the 60 days If we can prove that we could
have stopded someone from teklng the rno~ay It you had tofd us in time.
if a goed maso~ such as a Ioug ~p or a hospital stey kept YOU from telling us,
2. Teiapho~e Number and Address to Notify of Uneuthodsed ll. anafem
· MAC -Contast PSECU at (800) 237-7328 or Money Accass Se~ine (M.aC) at
(800) 523-4175 duifng PSECU no~-busim~s bourn, then follow up by contacting
PSECU at (800) 237-7328 the nsxt besteese day.
· ACH and ~ST - Co. test PSECU at (800) 237-7328 (rmitonwide) or
Or write to us at:
Pennsylvania State Em~oyoes Credit Union
RO. Box 67013
Harrfaburg, PA 17106-7013
PSECU Buelne~l Roum
7:00 a.m. - 5:00 p.m. M - F
8:00 a.m. - Noon Saturday
TDD (800) 472-1967 Naifo~vldo
3. Rnartcial I~tltutlon's Suslneee Days
· MAC, ACH and .~T - PSECU'a Business Days are Ivlo~day through Friday,
4. 'lYPee of Elantronlc Trenefem e Coneumer May Make
· MAC - Balance inquiries on checking, savings and PSL; withdmwsts from
purchase goods and aerv~ss at ar~/accepting retail establishment.
· ACH - Preauthodzed debits and credits to cbecldng and eevtngs.
S. Any Chargee for Elas~ontc Fundl ~ ~x' for the Right to Make
Tranlfere
· MAC'RftYeer~foreechd~emem(cashadvanceorwtthdraw~)leseU~n
$20; fiftY cants for eech tmnsa~ion over 15 per month, and a 25 nen
charge on eech belanse inquiry.
* MAC - you ara aniffled to reeelse a ixtofed receipt at the ifms of eac~
PSECU may impu~ deifng I1~ month.
* ACHandSST-Youwt#racelsearconthlystatornsfttshowingtheststusofyouf
PSECU may impose during the month.
If you have arranged to have a direct deposit made to your account at least once
every 60 days from the ssme bemon or company, you can ceil us st (800) 237.
7. Stop Payment Rights - Pm-authorized tmn~fem
MAC,and SST- Not appFicabfa.
* ACH- Right to Stop Payment end Procedures for dofng io. If you have told
,~,~-~, ~ymenm. here's ~ Uall us at (800) 237-732if (Na0ouwldo) or
(717) 234-8484 (Herfls~rg) gl' write us at: Peensylvania State Employoas C,"e~t
Union, P.O- Box 67013, Hardsburg, PA 17106-7013, lo Ifms for us to racelve If~:,ur:
mede. ff YOu eell, we n~Y Igee raquira you to pa~ your request fa ~atifng and get
If to us Within 14 days after you call.
· NoflneofVarylngAmounts. ffthaseregularpaymantsmayva~yinantount, the
purasn you em gofng to pay will tsil you, 10 days bufare east1 payment, when if
Wiil be made and how much It will be. you may (?/tcose Instead to get this rl(~ee
only when the payment would differ by more than a certsin amount Ir(x~ the
~p~t. gus payment, or when the amount would fall ordside cortain limits that you
· Liability for Failure to Stop Payment of PreauthottzedTransfers. if you order
~r~to stop one of these payments three busin? days or more before 1~e
nsfer Is scheduled, and we de nof de so. we w~ll be ifable tot your isssas or
damages, unless we requeet and do not reee/ve written confirmation of an oral
stop payment within 14 days and the lrensfar takes place after 14 days, or you
fail to give us proper instructions that would enab~ us to place the stop on the
tmnsfe(.
8, Summary of the Financial Institution's Faiture to Make or Stop Cellaln
1Yens fern
* MAC'ifPSECUfalIstocompisteatransscfion~n~neorinthecorreofamount.
when properly instruofed by you, PSECU will be lisble for damages caused by
our failure unless: (1) there are insufficient fande In yoor account to cxxmpiste the
transfer; (2) the fands in your account are uneofldofed; (3) the funds are subject
to legal process; (4) the transaction you request would e~ccoed the fands in your
account plus any aval~is overdraft protection; (5) ~e Money Access Center.
PLUS aystere or HONOR ATM has Insuiffc~nt cash to co(nplete the transaction;
(6) yoor card has been reported lost or stolen and you ara using the reported
card; (7) PSECU j~as reason to believe that the transaction requested is
unauthorized; (8) the failure Is due to an equipment breekdc~vn that you know
about when you startdo the trensaotiou et tha Mouay Acoass Centor, pLUS
System or HONOR ATM; (9) the Mifare was Mused by an asr of God, lire. or
other eetastm~he, or by any other casee beyond-control; (10) If you ~terr~t to
complete · transaction that, et a Money Access Center, PLUS System or
HONOR ATM, (x merchant terminal that Is not · pannlssible transection listed
of your Mouey Acoess C~d.
ACH end SST- ft PSECU fails to conkofate e trensasitou on Ifme or in tha coneot
amount, when pmpaity instructed by you, PSECU Mil be lisbia for damages
caused by our failure url;ees: (1) there are insufficient fands in your account to
comple(e the transfer; (2) the fands in y~Jr acoouof are unsof faofed; (3) the funds
are subject to iagal process; (4) the transaction you request would exceed the
fends in your acoouof plus any available overdraft credit; (5) PSECU has reason
to believe that the transaction reque~ed is uneuthedzed; (6) the failure was
controt' In any case, PSECU shall be ~ far actual proven damages If the
tallure to make the transaction reeufted from e bona ~ error despite PSECU's
9. DlanlosumtoThlrd Paritee
* MAC. ACH and SST- PSECU will ~ Information about your account to
third partfas: (1) when it Is necessary to complete traneec~ns; (2) to very the
existence and standing of your account With PSECU upon request of third parly,
such as a credit bureau; (3) to ~ with government agency or court orders;
(4) in ascordance with yo~Jr w11tton parellssisn; (5) to comply Wiit~ government or
administrative agency summonses, su~, or co~rt orders; (6) on reeelp~ of
Is in compitam=e with the Right to Fimmclal pgvacy Ant of lg78; or~cl (7) whart It
10. MONEY ACCF_SS CENTER Servlnee
· MAC Only - You may u~se your MONEY ACCESS CARD wifh yo4jr Pemonal
Idantl~, tkx~ ~Number (PIN) et MONEY ACCESS CENTERS located In I:~fewa~
a) Determine the ecu(x~t balanne(s) of your Chac~ng your Regela~ Shares,
and your Porsortal Service Loan (PSL).
b) Withdrew cash from your Checking and your Regular Shares.
c) Make a cash advance from your Personal Ser,~:e Loan (PSL).
d) DePOsit curreneY, checks, or dmifs (coins are not acceptabfe) for transmission
to PSECU fol. ~eposit in y~x~r Checldng ar~l your Regular Shares.
NOTE: There are limited locations i~ Maryland where deposits may be made.
We wish to inform you that some MONEY ACCESS CENTERs located in these
areas may only provide access to your Checlong, your Regular Shares, and your
Perss~al Set~=e Loan. Not all MONEY ACCESS CENTERs may accept
deposit in ce~uin MONEY ACCESS CENTERS.
11. PLUS SYSTEB~ Services
MAC Only - You may use your MONEY ACCESS CARD with your Personal
Idenftftcatlon Number (PIN) at any PLUS SYSTEM automated teller machine
(PLUS SYSTEM ATM) located throughout the United States, Puerto Rico,
Canada, Great Brffaln and Japan to ¢onduof any of the following transecifons on
the accuunts acuesasd by your MONEY ACCESS CARD.
a) Determine the account balanoe(s) of your Cbeofdng, your Regular Shares,
and your Personal Service Loan (PSL).
b) W'~ndraw cash from your Checking and your Regular Shams.
c) Make a CaSh advance from y~Jr Persertal Service Loan (PSL).
NOTE: Deposits are not available through PLUS SYSTEM A'l~ls.
These are the MONEY ACCESS CENTER services currently avalle~e through
the PLUS SYSTEM network. Other services may be offered in the future.
12. HONOR* System Services
· MAC Only - ycu may use your MONEY ACCESS CARD ~ your Pem~nal
Ident/flcatio~ Number (PIN) at any HONOR automated teller machine (HONOR
A'rM) located throughout Florida and other areas where ther~ are HONOR
Al'Ms. Ttte following transactions may be done o~ the accoui~s accessed by
your MONEY ACCESS CARD.
a) Determine the account balance(s) of your Checking, your Regular Shares,
~nd your Personal Service Loan (PSL).
b} W'rthdraw cash from your Checking and your Regular Shares.
c) Make a cash advance from your Personal Service Loan (PSL).
NOTE: Deposits are not available through HONOR SYSTEM ATMs.
These ere the MONEY ACCESS CENTER sen, icas currently available through
the HONOR SYSTEM network. Other services may be offered in the future.
13. Other ArM Network Access
· MACOnly-Fro~nfimetoitme, PSECUmaymakearmugementswithotherATM
netw(xks to grant access to MONEY ACCESS CARDs. PSECU shall inform you
v/nan such arrangements are made and dascdba the services that are available
to YOu. Any charges will also be dessttbed.
14. Pu~ Transactions
' MACOnly'Yo<JmayusetheMONEYACCESSCARDtopu:chasegoodsand
~ ('Pumhase') et any retail establishment ('Meml~ V/here MONEY
Purchases will be deducted from your Chec~ng. When you make a Purchase
using the MONEY ACCESS CARD, ~ will be requesting PSSCU to wltht]mw
funds ~ your Checldng in the amount of the Pumhaas end directing PSECU
15. Umltaflon$ on the Uas of your MONEY ACCESS CARD
· MACOnly-Youmaywithdrawupto$5OOpardeyfromoneo~acumbinationof
your accounts by using · MONEY ACCESS CARD provfded the funds are
available at a MONEY ACCESS CENTER, PLUS SYSTEM or HONOR System
Alld. In addition, ymJ may withdmw/pu~ up to $500 et point of sale
Iocaftone. PSECU reserves the right to reduce tiffs dally llm;t at any ftme. in the
event that your daily limit is less than $500, PSECU will advise you of the new
llmita~on. The day for withdrawal limits starts at 12 midnight each day and ends
et 12 midnight the next day. F~r sscutity p~rpcues, there am also certain daily
limifaitone on the frequency of use of the MONEY ACCESS CARD. Howe~r,
these limitoC~ns are not revealed for security reasons. The Penneyfl/anla State
Emp~:~ses C~-edit Union is not obliged to maintain such limifatio~s.
You will be denied use of your MONEY ACCESS CARD if YOU exceed the daily
wlthdrawaVparchase limit, ff you do not have adequate funds available in your
account, do not enter the currec~ Personal Idantft'~tioe Number (PIN), or
~ the frequency of usage limifat~n. The receipt provided by ~e MONEY
ACCESS CENTER, PLUS SYSTEM, o~ RONOR System ATM, o~ Merchant
denials permitted. Attempts to exceed the llmif will result in machine retenifoft of
16. Error Rasofetlon Procedures
·MAC, ACH and SST - In case of err~s or qusstio(ls ebo~t
u t~Jo 472
Nationwide, (717) 777-2100 in Hanlsberg, or wflte PSEm~ -.. ~_)4 -1967
S~te Emp4oyass ~ Un~. P.O. aox 670~3,
must hear from you ne later than 60 dayo after it ssnt ~,.~, ,~^ ,=~
(a) Your name, account number, and MONEY ACCESS CARD
transectino), or reference cumba~ (if Seif-Sewlse Telephone Transacfto~
cfean'Y as YOu c~n why YOU believe it is an error or why you nasd the infofmafton,
and; (c) The doflar amount of the suspected error.
if you tell PSECU orally, you must send your complaint or qussitoft in wrftin~
w~.. ~n 10 business days. PSECU will tell you the results of the
wnnln 10 Ix~inass days for MONE~/' ACCESS CENTER, PLUS
HONOR SYSTEM, SEI..F-SERVlCE TELEPHONE, or DIRECT DEBn:/I~c.~
Tt~n~saNNSACTIONS, or 20 days. for MONEY ACCESS CENTER purchase
~,.~cT ~..c~ ~.Cr~ll=R, PLUS SYSTEM. HONOR SYSTEM, SELF-
SERVICE TELEPRONE. or DIRECT DEBIT/CREDIT TRANSACTIONS or 90
days for MONEY ACCESS CENTER purchase transec~one. If PSECU da<ides
~ ~ en~r, ri ~s a MONEY ACCESS CENTER, PLUS SYSTEM, HONO~
SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DESIT/CREDtT
transecito~, or 20 basinass days If if is · MONEY ACCESS CENTER purchase
transaction. You will have the u~e of the money during the time if takes to
compfete the Ir~on. If PSECU does not receive your complaint or
question in writing within 10 business days, PSECU may not recredit your
account. If PSECU decides there is no enor, you will be advised within three
business days after the Invesitgeiton is completed. You may ask for cof~as of the
doc~Jments PSECU used in the InvastJgation. If PSECU crcu-~ts your acc~uot
while invssfigaitug, you must repay those funds if PSECU concludes no error
has occuned.
Notice To Consumers Using ArM's
· Be alert to your surroundings. If you doubt the safety of a particular location.
· Put your cash away immediately.
the owner of the ATM. New Jersey residents: you may call the New Jersey
Department of Ban}dng at (609) 292.7272.
For those membem who purchase a vehicle under the
DRIV Program, please review the following FTC Notice:
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT
IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
THE DEBTOR COULD ASSERT AGAINST THE SELLER
OF GOODS OR SERVICES OBTAINED WITH THE
PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE
DEBTOR SHALL NOT EXCEED AMOUNTS PAID BYTHE
DEBTOR HEREUNDER.
Account 0.26279,1465 Loan 01: CHARGED OFF BANKRUPT PSL LOAN Transactibn Sur~mar05125/2001
ID Eft Date
L 01 10113/2000
L 01 10/1212000
L 01 10112/2000
L01 09/1112000
L01 0812112000
L 01 08/1112000
L 01 08/10/2000
L 01 08/0412000
L 01 07~28~2000
L 01 O7~2O~2OOO
L01 0711412000
L 01 07112/2000
L 01 [0711112000]
L 01 [07/1112000]
L 01 07/1112000
L 01 07/11/2000
L 01 07105/2000
L 01 06/21/2000
L 01 06/15~2000
L 01 0510312000
L 01 05/0112000
L 01 04/2412000
L 01 04~24~2000
L 01 04/1712000
L 01 04/17~2000
L 01 04~07~2000
L 01 0312912000
L 01 O2~29~20OO
L 01 02~22~2000
L 01 02/14/2000
L 01 02/14/2000
b01 01/14/2000
L 01 01/13/2000
L 01 12/20/1999
L01 12/14/1999
L01 12/13/1999
L01 11/08/1999
L 01 07/09/1999
L 01 06/09/1999
L 01 06/08/1999
L 01 06/07/1999
Transaction Balance Chg Int/Pnlty Fees New Balance Description/Pmt
Advance Transfer 62.76 0.00 0,00 19,699.92 To Share 04
Advance Transfer 67.95 0.00 0.00 19,637.16 To Share 04
Transfer Payment 0.00 68.58 0.00 19,569.21 From Share 04, Pmt: 6
Transfer Payment 0.00 2000 0.00 19,569.21 From Share 04, Pmt: 2
Advance Transfer 34.98 0.00 0.00 19,569.21 To Share 04
Transfer Payment 0.00 20.00 0.00 19,534.23 From Share 04, Pmt: 2.
Transfer Payment 0.00 20.00 0.00 19,534.23 From Share 04, Pmt: 2.
Advance Transfer 400.00 0.00 0.00 19,534.23 To Share 04
Advance Transfer 700.00 0.00 0.00 19,134.23 To Share 04
Advance Transfer 2,500.00 0.00 0.00 18,434.23 To Share 04
Advance Transfer 500.00 0.00 0.00 15,934.23 To Share 04
Advance Transfer 500.00 0.00 0.00 15,434.23 To Share 04
Advance Transfer 32.16 0.00 0.00 14,934.23 To Share 04
Advance Transfer 3.96 0.00 0.00 14,902.07 To Share 04
Advance Transfer 37.31 0.00 0.00 14,898.11 To Share 04
Transfer Payment -83.17 116.83 0.00 14,860.80 From Share 04, Prat: 2..
Advance Transfer 2,000.00 0.00 0.00 14,943.97 To Share 04
Advance Transfer 3,000.00 0.00 0.00 12,943.97 To Share 04
Transfer Payment -18.43 181.57 0.00 9,943.97 From Share 04, Prat: 2..
Advance Transfer 88.13 0.00 0.00 9,962.40 To Share 04
Advance Transfer 500.00 0.00 0.00 9,874.27 To Share 04
Transfer Payment -94.42 45,58 0.00 9,374.27 From Share 04, Prat: 1,..
Advance Transfer 1,000.00 0,00 0.00 9,468.69 To Share 04
To FLATHMANN,SUZANN 0189525516 Share 01
Advance Transfer 1,500.00 0.00 0.00 8,468.69
Transfer Payment -17.42 42.58 0.00 6,968.69 From Share 01, Pmt: 6..
Advance Transfer 5,000.00 0.00 0.00 6,986.11 To Share 04
Audio Transfer Payment , -189.88 10.12 0.00 1,986.11 From Share 04, Prat: 2.
Advance Transfer 500,00 0.00 0.00 2,175.99 To Share 04
Advance Transfer 900,00 0.00 0.00 1,675.99 To Share 04
Transfer Payment , -11.37 8.63 0.00 775.99 From Share 04, Pmt: 2
Audio Transfer Payment -13.59 641 0.00 787.36 From Share 04, Pmt: 2..
Advance Transfer 78.49 0.00 0.00 800.95 To Share 04
Audio Transfer Payment ~12.03 7,97 0.00 722.46 From Share 01, Pmt: 2.
Advance Transfer 89.46 0.00 0.00 734.49 To Share 04
Advance Transfer 145.03 0.00 0.00 645.03 To Share 04
Advance Transfer 500.00 0.00 0.00 500.00 To Share 04
Transfer Payment -2,193.34 27.78 0.00 0.00 From Share 01, Pmt: 2..
Advance Transfer 1,000.00 0.00 0.00 2,193.34 To Share 04
Advance Transfer 112.31 0.00 0.00 1,193.34 To Share 04
Advance Transfer 28.49 0.00 0.00 1,081.03 To Share 04
Page 1
SHERIFF'S RETURN -
CASE NO: 2001-04956 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYEES
VS
FLATHMANN SUZANNE E
REGULAR
BRYAN WARD , Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
FLATHMANN SUZANNE E the
DEFENDANT , at 0920:00 HOURS, on the 30th day of August
at 1200 KINGS CIRCLE
, 2001
MECHA/qICSBURG, PA 17055
SUZANNE FLATHMAN
a true and attested copy of
by handing to
COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 8.45
Affidavit .00
Surcharge 10.00
.00
36.45
Sworn and Subscribed to before
me this /$~ day of
; ~rothono[ar~ '
So Answers:
R. Thomas Kline
08/31/2001
METZGER WICKER~U~
Depu~ Sheriff