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Home My WebLink About14-4692 1 COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District,County Of FROM CUMBERLAND MAGISTERIAL DISTRICT JUDGE JUDGMENT COMMON PLEAS No. �4 • q << NOTICE OF APPEAL �_ V Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District � Judge on the date and in the case referenced below. NAME OF APPELLANT MAG.DIST.NO. NAME OF MDJ James W. Drasher, by Michael J. Pykosh, Esquire 109-1-03 Hon. Richard S. Dougherty ADDRESS OF APPELLANT CITY STATE ZIP CODE 222 Chester Road Enola PA 17025 DATE OF JUDGMENT IN THE CASE OF(API�intM (Defendant)' 07/15/2014 JV !%P L�--L �S Tw M C S (,�), ras(tel DOCKET No. SIGNATURE OF APPELLANT OR ATTORNEY OR AGENT MJ-09103-CV-0000017-2014 This block will be signed ONLY when this notation is required under Pa. If appellant was Claimant (see Pa. R.C.P.D.J. No. 1001(6) in action R.C.P.D.J.No. 1008B. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial District Judge, A COMPLAAT MUST BE FILED operate as a SUPERSEDEAS to the judgment for possession in this case. withinn I--'twenty (20)days after filing the NOTICE of APPEAL.r-n Co r 2 rrl C Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE c:)h �. (This section of form to be used ONLY when appellant was DEFENDANT(see Pa.R.C.P.D.J. No. 1001(7) in actio; re lMgister41 District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary - Enter rule upon NCEP, LLC appellee(s),to file a complaint in this appeal Name of appellee(s) (Common Pleas No. f.(�_�`9a '` )within twenty(20)days after service of rule or suffer entry of judgment of non pros. Si ature of appellant or attorney or agent RULE: To NCEP, LLC appellee(s) Name of appellee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty(20)days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time,a JUDGMENT OF NON PROS MAYBE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. ate: 20 1�+ XN' 3d 1 a.— A i Nn o T/—Y^j ignature of Prothonotary or Deputy I Q F� 7YOU MUST INCLUDE A CO �IG0'OF JUDGMENT/TRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. wl� �. _I. AOPC 312-05 c C.(AlMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND Notice of Judgment/Transcript Civil Case Mag. Dist. No: MDJ-09-1-03 MDJ Name: Honorable Richard S.Dougherty NCEP, LLC V. Address: 98 South Enola Drive, Suite 1 James W Drasher Enola, PA 17025 [Telephone: 717-728-2805 Michael J. Pykosh, Esq. Dethlefs Pykosh Law Group Docket No: MJ-09103-CV-0000017-2014 2132 Market St Case Filed: 2/25/2014 Camp Hill, PA 17011-4706. Disposition Summary (cc-Cross complaint) Docket No Plaintiff Defendant Disposition Disposition Date MJ-09103-CV-0000017-2014 NCEP,LLC James W Drasher Judgment for Plaintiff 07/15/2014 Judgment Summary " Participant Joint/Several Liability Individual Liability Amount James W Crasher $0.00 $3,224.00 $3,224.00 NCEP, LLC $0.00 $0.00 $0.00 Judgment Finding (*Post Judgment) In the matter of NCEP, LLC vs. James W Drasher on MJ-09103-CV-0000017-2014, on 7/15/2014 the judgment was awarded as follows.- Judgment ollows.- Judgment Component Joint/Several Liability Individual Liability Deposit Applied Amount Civil Judgment $0.00 $3,090.90 $3,090.90 Filing Fees $0.00 $133.10 $133.10 Grand Total: $3,224.00 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES,IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL,SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. JUL 15 2014 Date Magisterial District Judge Richard S. Dougherty certi y t at t is is a true an correct copy o t e recor o t e procee ings containing the judgment. Date Magisterial District Judge MDJS 315 Page 1 of 2 Printed:07/16/2014 10:23:48AM NCEP, LLC Docket No.: MJ-09103-CV-0000017-2014 V. James W Drasher Participant List Private(s) Michael J. Pykosh, Esq. Dethlefs Pykosh Law Group 2132 Market St Camp Hill, PA 17011-4706 Plaintiff(s) NCEP, LLC P.O. Box 1589 Suwanee,GA 30024 Defendant(s) James W Drasher 222 Chester Road Enola, PA 17025 Complainant's Attorney(s) Frederic Ivan Weinberg, Esq. Gordon&Weinberg PC 1001 E Hector St Ste 220 Conshohocken, PA 19428-2395 MDJS 315 Page 2 of 2 Printed:07/16/2014 10:23:48AM OF THE PRO T HOHO Ar 'z' 2Ul{I AUG 13 AM 10: 36 CUMBERLAND COUNTY PENNSYLVANIA PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ; ss AFFIDAVIT: I hereby (swear) (affirm) that I served El a copy of the Notice of Appeal, Common Pleas (date of service) August12 20 14 , sender's receipt attached hereto, and upon the August 12 2014 Dby personal service sender's receipt attached hereto. (SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME THI . th DAY OF August 20 14 .A1 _/ Sar ri ffi � efore �� tom . 'davit was made MWEALTH OF " MANIA Notarial Seo! Crystal L. Mahoney, Notary Public .y Cm" N$U do►tt,': Cumberland County Meek My.Commi Expires March 20, 2011 Assocut20R Or MOTANLS Notary Public Title of official My commission expires on March20 20 18 AOPC 312A - 05 No. 14-4692 , upon the Magisterial District Judge designated therein on ❑ by personal service E by (certified) (registered) mail, appellee, (name) on by (certified) (registered) mail, Signature e - 'ian rrell C. Dethlefs* chael J. Pykosh* yan W. Shook ather N. Orisko arles J. Hartwell :hard D. Hollingworth, Jr. ttthew R. Seeley :olc L. Javitt therine L. McDonald DETHLEFS-PYKOSH LAW GROUP, LLC 2132 Market Street Camp Hill, PA 1701 I Phone: (717) 975-9446 Toll Free: (800) 287- 1202 Fax: (717) 975-2309 I -mail: ddcthlcfs@aol.com http://www.dplglawv.cotn Legal Staff Sherry I_.. Decimal)* Crystal L. Mahoney Melissa C. Foreman Kathryn S. Fogle *Licensed PA Tide. Agent August 12, 2014 Hon. Richard S. Dougherty District Court: 09-1-03 98 South Enola Drive, Suite 1 Enola, PA 17025 VIA CERTIFIED MAIL: 7014 0150 0001 0950 5556 RE: NCEP LLC v James W Drasher MDJ Judgment Appeal — Civil Action Cumberland County Docket No.: 14-4692 Dear Hon. Dougherty: Enclosed and served upon you please find the Notice of Appeal regarding the above - referenced matter that was filed at the Cumberland County Prothonotary's Office. If you have any questions please feel free to contact me. Very Truly Yours, i • a J. Pykosh MJP/elm Enclosure US. Postal Service TM CERTIFIED MAIL, RECEIPT (Domestic Mall Only; No Insurance Coverage Provided) For delivery Information visit our website rrJ:�rtt .usps.com Postage Certified Fee Return Receipt Fee (Endorsement Required) Restricted Delivery Fee (Endorsement Required) Total Postage A Fees $0. 0 A�6 $6.49 0 ostmark Here /12/2014 PS Form 3800, August 2008 8 East Market Street, 3rd Floor irk, PA 17401 A Debt Relief Agency The Dethlefs-Pykosh Law Group, LLC - "Your Full Service Law Fir!? 550 Cleveland Avenue, Suite 204 Chambersburg, PA 17201 Tell C. Dethlefs* :hael J. Pykosh* 'an W. Shook tther N. Orisko Ides J. Hartwell hard D. Hollingworth, Jr. tthew R. Seeley ole L. Javitt Iherine L. McDonald DETHLEFS-PYKOSH LAW GROUP, LLC 2132 Market Street Camp Hill, PA 17011 Phone: (717) 975-9446 Toll Free: (800) 287- 1202 Fax: (717) 975-2309 E-mail: ddethlefs@aol.com htlp:/hvww.dplglaw.cont August 12, 2014 Frederick Ivan Weinberg, Esq. Gordon & Weinberg 1001 E. Hector Street, Suite 220 Conshohocken, PA 19428-2395 VIA CERTIFIED MAIL: 7014 0150 0001 0950 5549 RE: NCEP LLC v James W Drasher MDJ Judgment Appeal — Civil Action Cumberland County Docket No.: 14-4692 A Dear Mr. Weinberg: Legal Staff Sherry I.. Deckman* Crystal I.,. Mahoney Melissa C. Foreman Kathryn S. Fogie *Licensed PA Title : t geut Enclosed and served upon you please find the Notice of Appeal regarding the above - referenced matter that was filed at the Cumberland County Prothonotary's Office. If you have any questions please feel free to contact me. Very T ul Yours, chael J Pykosh MJP/clm Enclosure Fr Lri ul D Fr D D D D D r-1 D D U.S. Postal Service,. CERTIFIED MAIL, RECEIPT (Domestic Mall Only; No insurance coverage Provided) For delivery lntormatlon visit our website at www:usps.come I I' I '' I' t .' - p zl Postag Certified Fe Return Receipt Fee (Endorsement Required) Restricted Delivery Fee (Endorsement Required) Total Postage & Fee lin I MI ME I $0.00 $6.49 01 AU 08 ti stm 14 Sent To Sfreer,A�Ne of il.�-I� ` `DeirN.[�S.el__'��--"" .---I--•_ or PO Box No. I Doi E - -1e GG r 5h e� 11.,- aab. City,, State, ZIP+y t e� tL PS Form 3800, August 2006 ~ I • See Reverse for Instructio 8 East Market Street, 3rd Floor Drk, PA 17401 A Debt Relief Agency The Dethlefs-Pykosh Law Group, LLC -- "Your Full Service Latif Firm 550 Cleveland Avenue, Suite 204 Chambersburg, PA 17201 s E C T I 0 N A s E C T I 0 N Supreme Cou COTRennsylvania CourtorCom on'Pleas Civil `Cover Sheet Cumberland County For Prothonotary Use Only: Docket No: /4— 'Pi (IA The information collected on this form is used solely for court administration purposes. This form does nol supplement or replace the fling and service of pleadings or other papers as required by law or rules of court. Commencement of Action: Petition Declaration of Taking El Complaint 1 Writ of Summons lr Transfer from Another Jurisdiction ® Lead Plaintiff's Name: NCEP, LLC Lead Defendant's Name: JAMES W DRASHER Dollar Amount Requested: (check one) i within arbitration limits Are money damages requested? I Yes 1 No • outside arbitration limits Is this an MDJAppeal? Is this a Class Action Suit? ■ Yes El No Yes ® No Name of Plaintiff/Appellant's Attorney: Frederic I. Weinberg a Self -Represented IPro Sel Litigant) Check here if you have no attorney (are Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) • Intentional O Malicious Prosecution 0 Motor Vehicle O Nuisance O Premises Liability o Product Liability (does not include mass tort) o Slander/Libel/ Defamation O Other: MASS TORT O Asbestos O Tobacco O Toxic Tort - DES O Toxic Tort - Implant • Toxic Waste o Other: PROFESSIONAL LIABLITY O Dental o Legal O Medical o Other Professional: CONTRACT (do not include Judgments) 0 Buyer Plaintiff x. Debt Collection: Credit Card 0 Debt Collection: Other Employment Dispute: Discrimination 0 Employment Dispute: Other O Other: REAL PROPERTY O Ejectment Eminent Domain/Condemnation O Ground Rent O Landlord/Tenant Dispute O Mortgage Foreclosure: Residential O Mortgage Foreclosure: Commercial i0 Partition 0 Quiet Title • Other: CIVIL APPEALS Administrative Agencies • Board of Assessment O Board of Elections O Dept. of Transportation O Statutory Appeal: Other O Zoning Board • Other: MISCELLANEOUS O Common Law/Statutory Arbitration El Declaratory Judgment O Mandamus 0 Non -Domestic Relations Restraining Order 0 Quo Warranto 0 Replevin El Other: Updated 1/1/2011 2180405 THIS IS AN ARBITRATION MATTER. ASSESSMENT OF DAMAGES HEARING REQUIRED. The Law Offices of Frederic I Weinberg & Associates, P.C. BY: Frederic I. Weinberg, Esquire Identification No.: 41360 Joel M. Flink, Esquire Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 NCEP, LLC P.O. Box 1589, Suwanee,GA 30024 COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. : 14-4692 JAMES W DRASHER 222 CHESTER RD Enola PA 17025-2613 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 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 JUDGEMENT 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 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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT IN CIVIL -ACTION 1. Plaintiff, NCEP, LLC , is a debt buyer and successor in interest to the original creditor, HSBC Issuer of BEST BUY CO. INC.. 2. At all times relevant hereto, the defendant(s) was the holder of a credit card, which at the request of the defendant(s) was issued to the defendant(s) by the original creditor under the terms of which the original creditor agreed to extend to defendant(s)the use of original creditor's credit facilities. 3. Defendant(s) accepted and used the aforesaid credit card so issued and by so doing agreed to perform the terms and conditions prescribed by the original creditor for the use of said credit card. 4. The defendant(s)received and accepted goods and merchandise and/or accepted services or cash advances through the use of the credit card issued by the original creditor. A true and correct copy of the Statement of Account or Affidavit of Account, if available, is attached hereto as Exhibit "A". 5. All the credits to which the defendant(s)is entitled have been applied and there remains a balance due as of August 12,2014 in the amount of $3,090.90. 6. Plaintiff has made demand upon the defendant(s)for payment of the balance due but the defendant(s)has failed and refused and still refuses to pay the same or any part thereof. 7. Defendant's last payment on account was made on 11/4/2010. WHEREFORE, plaintiff claims of the defendant(s) the sum of $3,090.90 plus applicable costs, interest and attorney's fees. The Law Offices of Frederic I. Weinberg & Associates, P.C. BY: PO1P.DB Frederic Joel M. F Attorney I. Wein: .• ink, Esqui for Plaint e f Esquire 2180405 12184482 NCEP, LLC JAMES W DRASHER XXXXXXXXXXXX 4 0 53 VERIFICATION I hereby state that I am the agent for the plaintiff herein, and that the facts set forth in the attached Affidavit which is incorporated by reference in the foregoing Complaint in Civil Action are true and correct to the best of my knowledge, information and belief and is based upon information which plaintiff has furnished to counsel. The language in the Complaint is that of counsel and not of plaintiff. To the extent that the contents of the Complaint are that of counsel, plaintiff has relied upon counsel in making this verification. This verification is made subject to 18 Pa.C.S. §4904 which provides for certain penalties for making false statements. JAMES W DRASHER XXXXXXXXXXXX 4 0 5 3 1, y„ % Michael J. Pykosh, Esquire ID # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone — (717) 975-9446 Fax — (717) 975-2309 mpvkosh andplolaw,com I' i L E O(- O`r (j yyi C j�l.; lea 1 1 i SEP 22 11 11: 56t6 CUMBERLANO OOUNTY PENNSYLVANIA Attorney for Defendant NCEP, LLC, Plaintiff v. JAMES W. DRASHER, Defendant : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : No.: 2014-4692 : CIVIL ACTION - LAW NOTICE TO PLEAD To: NCEP, LLC do Frederic I. Weinberg, Esquire 1001 E. Hector Street, Suite 220 Conchohocken, PA 19428 You are hereby notified to plead to the enclosed Preliminary Objections within twenty (20) days from the date of service hereof or a default judgment may be entered against you. Date: 1LP( l y Michael J. Py osh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant Michael J. Pykosh, Esquire ID # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone — (717) 975-9446 Fax — (717) 975-2309 mpvkoshAdplalaw,com Attorney for Defendant NCEP, LLC, IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. JAMES W. DRASHER, Defendant : No.: 2014-4692 : CIVIL ACTION - LAW DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, comes the Defendant, James W. Drasher, by and through his attorneys Dethlefs-Pykosh Law Group, LLC, by Michael J. Pykosh, Esquire, who files his Preliminary Objections to the Plaintiff's Complaint, and avers as follows: 1. Plaintiff filed suit against Defendant alleging that Defendant owes money to Plaintiff arising out of an account of which Plaintiff claims to be the Assignee. Comp. ¶1 2. The Complaint was filed on September 2, 2014. First Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 3. Pa. R.C.P. 1028(a)(2) allows a party to preliminarily object to a pleading if the pleading fails to conform to law or rule of court. 4. Plaintiff's Complaint fails to conform to Pennsylvania Rules of Civil Procedure. 5. Pursuant to Pa. R.C.P. 1019(h) Plaintiff has failed to indicate whether the alleged Agreement between the parties is oral or written 6. Pursuant to Pa. R.C.P. 1019(i) Plaintiff has failed to attach a copy of the complete writing, more specifically the Loan/Credit Agreement, or the material part thereof, or, in the alternative, state, with the reason that the writing or copy thereof is not accessible to the Plaintiff and the substance of the writing in violation of Pa. R.C.P. 1019(i). Remit Corporation v Miller, 5 Pa. D&C 5th 43. See also Citibank NA v. Ralph D. Opitz, No 207-2010-C (Fulton County Branch). Second Preliminary Objection- Pa.R.C.P. No. 1028(a)(2) Failure to Conform to Rule of Court 7. The Plaintiff is not the original creditor, but rather assignee of the original creditor (see Exhibit "A" to Plaintiff's Complaint). Since the Plaintiff's right to maintain an action as an assignee is predicated upon written assignment or agency agreement, that writing must be attached to the Complaint, pursuant to Pa. R.C.P. 1019(i). 8. Plaintiff failed to attach an Assignment and Assumption Agreement for Defendant's Account. 9. By failing to attach a copy of the entire assignment of the debt to the Plaintiff, the Complaint does not comply with an express rule of court, in violation of Pa. R.C.P. 1028(a)(2). Remit Corporation v Miller 5 Pa. D&C 5th 43 and Capital One Bank v. Clevenstine, 7 Pa. D&C 5th 153. Third Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 10. Pursuant to Pa. R.C.P. 1028(a)(2), a party may file a Preliminary Objection based upon the failure of a pleading to conform to law or rule of court or inclusion of scandalous or impertinent matter. 11. Plaintiff's Complaint is based upon a contract. 12. Plaintiff asserts a cause of action based upon an account stated theory of recovery. 13. Plaintiff in pleading account stated cause of action is not permitted to escape pleading requirements otherwise applicable. CitiBank (South Dakota, N.A.) v Xenofon Skaboulos, No. 09-8676 (Cumberland County). CitiBank, N.A. v Heather B. Wadas, No. 12-1705 (Cumberland County, Peck J.). CitiBank (South Dakota), N.A. v Ross, No. 10-5668 (Cumberland County, Masland J.). Fourth Preliminary Objection- Pa. R.C.P. No. 1028(a)(3) Insufficient Specificity in a Pleading 14. The Complaint contains only a general assertion of the amount the Plaintiff claims is owed by the Defendant. It provided insufficient detail as to the date(s) on which the debts were incurred, the amounts incurred on each date, the dates or amounts of payments, nor dates of accrual and amounts of interest charges and other fees. 15. Pa. R.C.P. No. 1019 and Pa. R.C.P. 1028(a)(3) require that the above detail be included in a Complaint of this type. 16. By not including the requisite detail of the account, the Complaint fails to conform to an express rule of Court. Fifth Preliminary Objection- Pa. R.C.P. No. 1028(a)(4) Demurrer to Court 17. Plaintiff has failed to allege facts sufficient to maintain a cause of action for Breach of Contract and Account Stated. 18. Plaintiff has failed to fulfill the pleading requirements for an account stated cause of action. Sixth Preliminary Objection- Pa. R.C.P. 1028(a)(5) Plaintiff is a Stranger to Defendant 19. Pa. R.C.P. 2002(a) required that an action be brought by the real party in interest. 20. By failing to attach a copy of the necessary writing with all exhibits and identifying Defendant's Account as among the assigned, the Plaintiff has failed to conform with the requirements of the aforesaid rule. 21. Plaintiff has not shown standing or capacity to sue Defendant. 22. Since this matter was not brought by the real party in interest it must be dismissed. WHEREFORE, the Defendant respectfully requests that his Preliminary Objections be sustained, and that Plaintiff's Complaint be dismissed with prejudice. Respectfully Submitted, Date: 9—fq_ez( Michael J ykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant Michael J. Pykosh, Esquire ID # 58851 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone — (717) 975-9446 Fax — (717) 975-2309 MPvkosh(a)dplglaw.com Attorney for Defendant NCEP, LLC, Plaintiff v. JAMES W. DRASHER, Defendant : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : No.: 2014-4692 : CIVIL ACTION - LAW CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Defendant's Preliminary Objections to Plaintiff's Complaint, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: NCEP, LLC c/o Frederick I. Weinberg, Esquire The Law Office of Frederic I. Weinberg & Associates, P.C. 1001 E. Hector Street, Suite 220 Conshohocken, PA 19428 Date: q.- tq'" 6/ Respectfully Submitted, —7A6('Wii Michael J. Pykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant 2180405 THIS IS AN ARBITRATION MATTER. ASSESSMENT OF DAMAGES HEARING REQUIRED. The Law Offices of Frederic I Weinberg & Associates, P.C. BY: Frederic I. Weinberg, Esquire Identification No.: 41360 Joel M. Plink, Esquire Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 NCEP, LLC P.O. Box 1589, Suwanee,GA 30024 vs. JAMES W DRASHER 222 CHESTER RD Enola PA 17025-2613 COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. : 14-4692 AMENDED 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 TWENTY (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 CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGEMENT 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 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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 AMENDED COMPLAINT IN CIVIL -ACTION 1. Plaintiff, NCEP, LLC , is a debt buyer and successor in interest to the original creditor, HSBC Issuer of BEST BUY CO. INC.. True and correct copies of documents evidencing the chain of title are attached hereto as part of Exhibit "A". 2. At all times relevant hereto, the defendant(s) was the holder of a credit card, which at the request of the defendant(s) was issued to the defendant(s) by the original creditor on or about April 14, 2009 under the terms of which the original creditor agreed to extend to defendant(s)the use of original creditor's credit facilities. A true and correct copy of the application is attached hereto as part of Exhibit "A". 3. Defendant(s) accepted and used the aforesaid credit card so issued and by so doing agreed to perform the terms and conditions prescribed by the original creditor for the use of said credit card. A true and correct copy of the relevant written terms are attached hereto as part of Exhibit "A". 4. The defendant(s)received and accepted goods and merchandise and/or accepted services or cash advances through the use of the credit card issued by the original creditor. True and correct copies of statements from April 2009, May 2009 and June 2011 are attached hereto as part of Exhibit "A". 5. All the credits to which the defendant(s)is entitled have been applied and there remains a balance due as of September 24, 2014 in the amount of $3,090.90. 6. Plaintiff has made demand upon the defendant(s)for payment of the balance due but the defendant(s)has failed and refused and still refuses to pay the same or any part thereof. 7. Defendant's last payment on account was made on 11/4/10. WHEREFORE, plaintiff claims of the defendant(s) the sum of $3,090.90 plus applicable costs, interest and attorney's fees. The Law Offices of Frederic I. Weinberg & Associates, P.C. BY: PO1P.DB Freder/C Joel,M. Attorn y ei-dberg, Esquire ink, Esquire for Plaintiff .2180405 JAMES W DRASHER XXXXXXXIDCXXX4053 , IN A 6 Aq law, depose and say that: NCEP, LLC AFFIDAVIT being duly served sworn according to 1. I am an affiant for the Plaintiff herein and I have access to the files relating to this account; 2. I have access to Plaintiff's records in connection with this case and base this affidavit on Plaintiff's records, as well as the account information provided to Plaintiff NCEP, LLC upon the purchase of debtor's account, which was issued by HSBC Issuer of BEST BUY CO. INC.. 3. Plaintiff's files are maintained in the usual and ordinary course of business; 4. This action is based on a claim for breach of contract and that damages are sought as a direct result of said breach; 5. There is now due and owing from defendant to plaintiff, the amount of $3,090.90 plu's interest of $.00 at the rate of 0% less credits in the amount of $.00 totaling $3,090.90 as of September 23, 2014. 6. If called upon, affiant can testify at trial as to the facts pertaining to this matter. The above facts are true and correct to the best of my knowledge, information and belief. Sworn to and Subscribed before me this I day of CDOIr , 2014 NCEP, LLC Plaintiff, V. JAMES W DRASHER, Defendant, VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he is an authorized agent of NCEP, LLC, the Plaintiff herein, and that he is duly authorized to make this Verification, and that the facts set forth in the Amended Complaint in this civil action are true and correct to the best of his knowledge, information and belief. Dated: ly Affiant Name (Printed): \VA6Nie Affiant Name (Signature): File No.: 2180405 Reference No.: • k),IY:.(1 treittafte`c ca1.Ied.. as entered iilici:a:Pu3:6ha5 re r ent as:af:3iatie:'2i) :201 l {°` kr ttierit")'for the sale :cif Rete ' 4hk s: de c;riheii tiaerei:ix tc' .Llriite »ebt;'l= .a:I l :it. ,:1 LC; (h seise o.fe ra.i:led. • 'Turcivais. —5), :u c�tt: the tem` r 11(1 conditions ' t fortsl, m tha :1,1,�I' cixi T]#.. ' ....... .:.:: ::::::N ?"I:HI P FUP�E; '.Qi: ?c� d !aivabie.considet':a ion.,:Seller ho.1:43,Y .:assij ns, ilii i'uansfc3=s to:I iiehase'r; its saocessors and assi.grri.s; �z l f , elfer's ri his; title, and:interest in each:aTxd ypry onethe;TteceiN i?ie .:dg• ezjbed:xnthe,Agreement .an,d ttic: exhibit; attnctiec1 he eicx.: - :• of :Purchaser. and Seller. 1,181e that ibe:'urohi � .'rise siva .be ins gat ed.in.S btiort 3: . gree 31G IN :WITNESS WITE: 3:rt} <, S lic :itis sig + aiii deli jered..tlx€s iustru ec;tive_a; :6f the:26th.da : o~` July, 2t) l 1:,..... g. STRt TLD :HSBC: Bank USA,..N.A.,. sucoessor::to H:SBQ.:: : R.ec iv; b1os.:Acquisttion :Crtic ratItii :(pSA) : : ::: OR.REC.TED AS SI(;liMINT..:ANp BIL L: OT`: SAE. . }BBC; Bank lkI .vviida;:.;.A:. (hereinafter cal:fed:"Settee')1t is: entered .. . riveasse:Agzeerne z a ..i.",l i...c;'?t7 2011 rA racniz;nt"j :for.the: sAlc. rf"Ai;ctoiaits -and AcCount:I c i <nt (ti s;iibed Paiagraph:l:.thei•eofto tinted Debt:liolcliz� (Iten'inafer c:afled ?iit haler!:),:ppot1 is e.teimis and 'coiiditions-sot forthi iii f ttt :Agreement: NOWTHEREFORE; :good acid yalu Isle:consideration, Seller: hereby. :�cll:sa, . • asslgn,S £ind 3Ti).17�i:fcrs: (3:Purchfther '.i FS i11Cbi�; 40i fAl�%I:fijSsi:;t1:s, al1::o'f sates'• and iiitet`est in each.atd ei or>. one dfthe deSeribed describedin the Agreement OA the: . .:... :. e .hihiis.attaeit tllc*to: " • ::: : : iircl astir:andSeli t: gr(}.:.hat•to Piitchase; .. shall lie as s1.4terl in• $egtj.on. • .. Agreement. IN WITNESS :'WHEREOF; ,Sell.er::has signed : and -deli ered.this:instn:titrieilt. effective :is of the :26th.4ay • of fit; 201.1.:: RESTRICT:EU }NBC 'Firtance:•Corporaticn;:s .iccessor to ' : itSK.: 'atk'Neva.dii N A... BY. .... =WA A,SSIGNMENT AND. LULL OF SALE • HSBC Bank Nevada, N,A., (hereitbifter called "Seller") has entered...altoi Purcliase Agreement as Of Jeae 13,2011 (‘Agreerhent") for OM Rale of Accounts and ,Aoccatrit Documerits described in Paragraph 1 thereof w (hereinafter culled 'Prev), upon time terms and ndltiotis set forth in that ,Agreement NOW TtrEmtpoRri, for good mid vaniable conddearlort„ Seller hereby sell:s, assigns, brad tritosfers to Purchaser, its SUCCeSSOES and assigns. all of Seller's rightstitle.,wtintrzest, c.ah and every one of the Accounts describcd. in the Agreement nttd Iti. Setteclule attcelled hereto, Purchaser AM Seller agree dug the Ptirchase'Price shall be ais stated ittSection 3 ate A weernent, I WfTNESS WI IEREOF, Seller has signed and deltfetted th%'..thstrurnent on the 26th. dny of July, 20/1, Bank Nov b. NA 44,41). Name: Davi Nattrnao Title; V fee President • s� Harr° A (Cetninued) ASSIGNMENT AND JMiL OF SALB HIS BC Receivables AegtalsltIon Corporation (tJSA) IV, (hereinaftet called "Solley'") has entered Into a Ptat'eiiase A, vert ttt as •or:rutne 13, 2011("A,graeinetit"`) Icor the sale of R.ecei.vablescleserlbcd h e oin to (h.cr'cioafter called "Purehaser"), upon the terms and conditions set ..forth in that Agreement. NOW Tl'IBREFORE. for good and valuable c ldertitlon,_ Sailor hexeby $oll.s. assigns, and transfers to Parehaser, its staeceesera and assigns, all of Seller's rights, interest its each said every one of the Receivnbic. dcsoribed in the Area ent rod in:SetVtiulc t .nttaclted 'beret°, Atrcliriser mid Seller rigi',e that. the i'rtrelta.+e rodeo z<h.t i1 be as suited. h Section 3 of the Agreement, IN Wrwri,Ss. WHEREOF, Seller has signed and delivered this instrument on the 26Th day of My, 201.1 HSBC Receivable/I Acquisition Corporation (OSA) • IV Mune: VaVid. Nauman Title: Vice .Prertident ASSIGNMENT AND BILL OF SALE United Debt Holdings, LLC (hereinafter called "Seller") and NCEP, LLC (hereinafter called "Purchaser") have entered into a Purchase Agreement dated December 27, 2012 ("Agreement"), for the sale of Accounts referred to on "Exhibit A" and listed specifically on the Electronic File namedDec 2013; MO Final Inventory; Final Inventory; UM Final Inventory; Final Inventory; UMW Final Inventory;__ Final Inventory; 11111111 Final inventory; NM Final Inventory; ander Final Inventory" and Incorporated herein by reference, upon the terms and conditions set forth in that Agreement, NOW, THEREFORE, for good and valuable consideration, Seller hereby sells, assigns, and transfers to Purchaser, its successors and assigns, all rights, title, and Interest In each and every one of the Purchased Accounts described in the Agreement free and clear of any liens or encumbrances, Purchaser and Seller agree that the Purchase Price shall be as stated In Section 2 of the Agreement. IN WITNESS WHEREOF, Seller has signed and delivered this Instrument .on .the. 27th.. day of December, 2012. By: STATE OF C 0 COUNTY OF Name: e rekt rot v� Title; C o, ? r c i 4ovt, e--- ) se. Subs abed and sworn to (or affirmed) before me .n thL 7th day of December, 2012, by Gi; r' CC - t "17 w • `, ' d of United Debt Holdings, LL , a Delaware limited liability company, pe ovally known tome or proved to me on the basis of satisfactory evidence to be the person who appeared before me. WITNESS my hand and official seal. Signature: • (Seal) MICHELE M YOUNG NOTARY AUBUC, STATE. OF GOILORADO My Comm,, Expires October 26, 2014 • • • SIGN HER Best _ Buy Credit Curd application p p jig AU. lost Nome ation 4 :behest `Parr !t a Ii ° o►he y�e ., "avY 1 o cr ca►gP ,r , Dto , b arr'°uM deem op Mt/ re any Ya' a diel Sb> a opiotq and Yatr • are tr e fens others b oimy 47d>edc any o{ a • , the a ori pce4of l}' °`B vers to 3 1"es or , mxl you p►ovirleCari - r'°aarriw►sumTt Iry °l+mrd fa sent. b� b rrrake ' ° �)►rt ; N You �� t� �7613147:51/014;:::: b ih�a?dII� f�1►a'�llopb,!°��f�q��' Eneen��T , wsd elxionceQ5UREThisscnion trtUSbJaNT APPUCANi'S, �conlpleled If S1GNAiURE & popplirop► gapfor Prc ATE gram B VISA AMU �C:'unt hie/ d 1D, DISCOVER tt PROTECT'—.P. Dote Q I YOUR ACCilUIVt yd' Y'. L � enrol the aot mss andis oa whom Yao ore Roo:recetveKiri, mama*per mkt mance 'a srm7d lhair er °I s4 d ,td.. t YOor e,fuu of my Yrs, PLEASE NROLL ME AT THIS W1 not TIME! D nal dek ed � � STOOD roiKZ L ONTHLY DEBT [gTlp and for In+ro rase of a CANCE1 d life a Ia 'fru quark/km D�olo NPR p or Unemployment, month lorttx,.0 DRAM. tlac .,� , . t aathonie nEOW not sell i m°go a a Pr tho 1 en hee arounl, you r six , R anelogs) and Kolarig 30 boors more per Eek coa e sivie ala tine. men 16oye o balance- t have o 1� on the recd NOT WISH TO ENROLL AT THIS TIME. ode yen the Aocouol Shield t 411 a/ r Best Buys Credit Card application APPLICANT Iti•rat''��c-a4�"+'�'T+'"'�"k_S:i xhn G:rttAin 4.1 Se sae to fill oat this him completely. �, . aw tan,. tiwenR. Pfiuomtn roaleY_•nts: {bock. Flex if nmvied - ■' Iiiwistbn?rale PmortE Co. Ms.., $re v os... 4e PO. sea. Rid«a,IL aa... 41.aked. pee. �r oy JOIN F APPLICANT Mt him wsartardoe Db.* w..irl ary to .ilvv.+r.n;�k law lea. Wow MdRo$yew rein .ddwr 4e 1.0. Boo. o..id.r6.i..rb..iaReddna 4..ph.d N l".erm yeor.lgwr«J M? :.d• m OGEMEMt OF D15(1O511RF ';Pot PROTECT YOUR ACCOUNT WITH ACCOUNT SHIELD-, AN OPTIONAL MONTHLY DEBT CANCWWATI,ON PROGRAM. ETaradiiw (01.4 coatfWHgopw{{ymruo ltoedyadWA.atmpailsrdpasbineaeyy/m^eledhditawd6voity)bblCbabippodi6dr�leelilE."��ala p. 1.41iltPIKkWOWN MpussmWmnfif roib�mstOIs 9,000prood °VwS11,0% alkMdaMT ykrili vple SIAPJPw or lq tenrisoutebnaMow MuvEtdbSlgp0.b a hedlliwafeelbmla dLiahpaylythmap OM atpataeamto�namsibr nyhysl reroNnot s�* 0 ixe' w ivbdlld eNepeowakn ae !grin! m4twvor,walp0ednapastea6ab)ardwrL+o 00kalatr►prawldeJgle li sslM dee ew. Kan lisniii-itami " -TAW; bii+id4'tidcali fd7 TR a�aqpier/m� e1" '� Q1ppo� IO 'sk0way �r papa®atdoelbrn abhuIlan lmAdaalnal b Aeosti5bdd keevt.Iwdasknitwlybirobew iamb vlaim'htndnebl and Et dated doetaeart WIaniwbowl 4. Ey rm.' : YES, PLEASE ENROLL ME AT THIS TP,IEI NO, I bO NOT WISH TO ENROLL AT TNT TIME. MM ',DO/ YY MM / DO r.YY d.PFlno • MIL a1A AT'pROYfU rotOlo ,.. ua�eeAyme Oijd; ;MfltOIGi1T.+u - oROuI49 " • iialaulT n. _ :;. LILA thseeti #ai,. GRt 'iD"A Grd+fwd ldipl*'.•ILK_•_ Mf MSG.;( A1LY G75(OiEt: „t itrL 111 TOUR PERSONAL INFORMATION kW. W$. 14.0aml.Cwar64drsIIp,.•fralnee a,_sf•ara.war.ee+hwlma••.-rr.•••.wna..?1• .....r+Ne+.e...••••••N.earrrwNhdoa Uwe Plum 11"01p..4r41.1d•Mro:i o:e kart ieRd • • 0 0' Dot dtRt, PloWDOMY11 JOINT APPLICANT ile..e Ka. We dwhIMMJoelvnl E.it sr.2yM..hw •Meeidco.r' Saki kooky Mob.. ...es* Ph.. Am.! Ware 000 000 •ItIORIMIk baldR item *mil mitt.* 1.011 mattego. 'Odom enft*-4.e At. .ermad .rfA Le "ORfilryen C4.AR., Mee.. . CREOLE LIMIT' Mw L...i..n omega 4r. eel aMd 0/f038) 30 331W0 •••4•••3 •••••3 P.A 4com PP% Luu/o361•••e•p6, 66ti 00 •••o .666 •"•••! .1.9.f. . . 464,1•0•6. •ss•49 M.9 19.1.P.MiwuJIIM1 CFAV iku,a/avra4 P .59141 ouvur4o3 iumonos 31101.11)110S icy •auaricxy waiukisiv 03S30 or 'ON ?"41,412401.0014,4141'N'ON— • • 447.PC,MOLFNC0447retar pJ =idol mg. Wojs. si wimp* Imo 014.400 YCIFffe.41474ejee ere "404.341pneepeatl S ttzWrip mat .T.v.g: ittn9aw VON 3a NOMA° m11440410 ocig4 WA .rnIt itinobywormito flsvmoHJ AA /OCUIVW 1141M .sazartostiviilva inov mauls •=1,1iudtrarraliiiii.drskraTIZZ:ZZT‘4.t.tw....otttr out! v '104.2..va'N-19,P4301u,o, '-'w,c,,,J!,f,c PA,. VAIIVNif„piNI NpovtivrD3a 30 01t731100)0310)3ei • X 44,1;11 - "n4ralit • • ' 44, 2, ftr.PF. • i••••i 616,3 vae9 • I.P.F.N.“.N.Nr Nip*. N.N opo /6•••••6 • 4;.41, -PI t.P. WP.u.A3 00112.111 prapicaji ato.emai 41:141.1?.? NIP9j0 PrIIINIpS..44..r.)fi 1001131,72113 041,101340).31/11013110S • ,AN '1.400/ 3.04V11)00$ • s J Thank you for choosing the Best Buy® Credit Card Now getting the stuff you want at Best Buy is easier than ever. SAVE moiley with our eveyday.storewlcle • Credit No Interest'an all purchases— if paid In full within 90 days ar No in tereston all purchases '299 and up— if paid In ftill vdtkIn6 months • 48 months with low monthly paymentsand a reduced Intereet rate Of.P.936 On purchases 299 and up ; MAN/WE your Best Buy credit Card acci!.int , online anytimeat hr*Cotitit4ittii/1305034: yf Pay you: bill. 4 Go paperless. and get your statement exciu*ely:onitne. d View recent transactions d Update your contact information ti Check your current balance and available credit d Sign** fore -mail alerts 5? Payments are accepted online, via phone and by malt lkifortunately. we cannot accept payments in our stores at this'Onio,Pie feiterri win, to admit. opayineot Is Online: ft I, I, l' li il ,........t6:ca.........: t • Required minimum monthlypayment is greater of 10 or t% of balance. plus billed finance charges. plus anylate feesinterest will be charged toyout.kcount frcorthe pUrchase date If plan balarscals not pald In full within90 days for S.101Idaypian or 6months for6-month plait or if minimuminordhlypamerrts are not made..Onlineand In etbre offer Mariary . . ' 48 -Mont h FlnancIng/Low htinthly Payments Fixed payment n.94c, fixed APR plan Applies to all purchases 299 and tp. Advertised minimum monthly payrrient amount is basedon required minim -um monthlypayments 2.63%of the advertised pUrchase amount (net intitiding sales td3.3or any other dtargeS).Piva any tatefees arid paymentof the advertised purchase arnount in full 48 montlitypayin)'iftlfacciient does not rernean current, (9stanciard mkilmtim Monthly payment greater 010 or I% of outstaodIngbalance. plus billed re ..,ir•ke charges. plusany late fee, Rand. (a)defautt/IPR.. OnlIneaml instotebffer mayuaryt 'Onlintaccraint servicing is Previded in Englisii only, . . To useyourtard today; please tell the6shieryou were approved for a card wtonyou check out.They'll took up your account. verify your ID, and prticess the tra!'?*tleit Masa refer to your oapy of the credtt tard terms endondbmdf�ful1sdothtedodfeeenplenetloaL o2004B.e'stpui 60224B-EC-SPIteita-0414/09) Gracias por elegir la Tarjeta de Credito Best Buy' Ahora es nibs fbcil que nunca obtener todas las cosas que quiere en Best Buy, • Sin intereses'entodas las compras,stsepagan par complete dents deun plaza de 90dias El Sin intereseeentodaslas com{xaspor '299oni s,si sepaganpor coittplet° deritro de t,n Plato de6meses • 48 mesas don bajos pages mensuales' y unatasa de Intends redudda de sato el 11.9% en compras por 5299 o mag omitlituntt sii cuenta deTarjeta de',Crkdito. est�uyenlr terpet' cirandoqutera en raec ounf.c'm/Bcst13uy`a+ i, s e Pipe suciente Ei Evtteelpapeteoyobtengasuestadodecuenta excliliieamente enintertlet • Consulte sus transacdones reclentes cif Actualice su Informacldn de contact° i� Consulte susaldoactualysucreditodispontbte C� Reglstrepare recibir aulsospar correoelectranico Se aceptan pages en Internet, portelefmro yper cortea,Deseforttmedamente, poret momentono podemos • scepter pagan en n trastInndasL.mama risisrdphdadehaeerunpogo eeenhtgtna4 • r £Ipagom'.natw menntaliegverido sera etmayor de lossigutemes inportes:'10 a ell%del saldo.mas cargos For fnandamlentofacturados y cargos por morosidad.Secoteeetninteresesawtueftaapallid* taleft delacaa a Si no sepa8alatotalidaddel saidodel Olen dentraun plaza de 90dlas en el casodel plan a 90 dies; o dentrode unplarode 6eneSes;eri case plana 6meses.o 'un st nose realized los minos nienivaleS.Las ofe es en Imemetyenlattendapuedenvarier. . . 'Poindefitiaitclandentoa48meses,ianbijospages mensuatesSias ytesaporcentualamat4101119x.Seap&caatodaslas ccooeptc apartir de'299.Etmontodetpagam6�imomert uataautciadosebaseentonpagesmtnenosmensualesrequerldosde 263%del omp a ended° (slnirctuircnpuestos soon veritas uotroscargos).mas cargosmorvsidad,yet page totaldel importe'decompraanwxiado en 48 papa mensual e.. S i la cuent a no Se mmt lane at dia. se ap4wre Wel pago mem uat mitamo'namal lgual ale mayor de las s iguientet 90 o el I% del saki°perdemaodster-05parfuranciainientofactuadesycargos por morosidad,y(t)tat p laieraldeincu.mplimienta.Las°famesen Infemety'en latiertda puedenvariar. ' Sec**, de la curate en Internetdispenibteeninglessolamente. Para comemarauser wtarjetahay mismo.enetmomentodepager informealcajemqueustedfueapnobadopare tarjetall cajeroconsultaresu cumt&revisara staidenfficaclanypeocesarelatransattibriCamasau(eptadeba*MMDiyeotdldeneadelaterj tede pnwnoeer ti &dead %informative compkta y wr imptlrsi6n de ies lues y moths: . O2E039Best,&ry 5022Be-EC-S$•MA0'Ad 1alon) nuthIn Lending Disc!astir° Chart For Best Buy Credit Card Muth In Lending Discfosun? Chart For Best Buy Credit Card P ram A Affriiiii0iii-j,?.:•;:i'.3 -IP 96. 6' (40 ' ,.. ', '). is0ii," mr-i...,,.. g.i4111TOTtriig. As of 4/1/09 the Standard Rate is. a vai 20:99%which mY ' • . Y' piAteAil.174).-..:5;:."gi, ;iii.„,..t.i.P•e,k,,'.,.*-4,P,, Default Rate:25.99%as of 4/1/09; orch Ploy vary.' yeilipiipTit;ftjit. ' tiititiliiiiitkiii. '' i,. -i,, .•":/v - 1, Your APR may van/ The Standard Rate for puridiatia is detemlinedrient*biadd Ing 15.991; to the Prime Rate. The Detabll Rate IS'deterniffiedrneittfilY by adding 20-990.1tifl me* -"- -0,0110,11.4t4( 4#1,,...al. tit,pl -:::„.. No finance charges are assessed ' on new piiithases 11 the balance is -paid. in full each month v4111111'23 daYS'after the billing date: filltit(fdal:60X.P. atilitalZet §,i;:.1 hilitli1V164 ;:i kattili ,. *, Average ...Daily Balance- (Including new gases) - A,Iliatifitgai NONE mid:- -fliiititii — • , $2.00 - i'.:7 ',"e;!"-; !MITITIOttaWFM NONE Late:Payment Fee: Si 0 for combined.accountbeiance of $100 or less;: $29 for combined account balalice MOT 00.01 'to $500: $39 kir combined account balance 015500.01 or more. Overlimit Fee: Id ... 111,b910160 676010161021 %than 47. antfd=130dar CeiCIAMMil 110 ir(*litt kr thi kid&11 Rte, Old it Ot3tgtj ProimS.J Q�1t2 ofrel*Iint beirce WO be st0.1 to tdi DOA " Progrznirt *it raiy ird liOnt citho us.Pt!moRIMN PaOsbecl InTN WO sr ktArra•Wrzy Etas Soclin tlifIrst a 1140,0 On matth OW. Tha strairroxwbtentso!o, a!Spriad'et ISO'S .ta !Kt SlanlartIRto ind tioPe.a 20Se CerbertAli Pi* Vs llielletad Itio.P#r ktanosii ti Pen); Maya byn eftetfcn MI day Or r*bOrnicytia biphibri* red 'sir& Or SW00 RirAl di ins rhiA ROW arid 12.0isi tit 25.9* ' e. ',AA IA Inal Program 8 lithe 1 approved for Piogram B. AriT.T.14:#1:Rq.•:1"4.." 1*.e66066°:0°.!6:. --••„—• •...,....: • !k_iitOioi, (baseQnSf�ur, As of 4/1/09 the Standard Rate . O. which may vary. 24 i4,,i c:(01-00(RR ..,;:y.,it ,t!04:•:•si...',.,.;:i...V4,Agio, Delarilt Rate:29.99%8 Of 4/1/09. ,• • • • 014' maYM: KelylatifielkiTOV.';'.1 In'faiii4iiiiii, . . . ,,;',. „: ,, Your APR may vani. The Standard Rate for purchases is deternilned Monthly byadd, .. . . ing 18.59% tothe Prate Rate. Tho Defautt . . . . . Rate Is determined monthly by adding • . 24:99% to the Prima Rate.." 0..,,T:#24.41tilAilt%.1- ipli4,11111,01, Oti,i• oftgalF9,610110K1-'4, iktiettri49‘ '' No. finance charges are assessed on new purchases if thebalance:Is paid in full each month within 20 days alters the 61111rig date. C'-ethrT ... 0 ' biliihie on .. li4ifixiiiTs''' :'-'''w•I''''' Average Daily Balancellncluding new purchases) . — ... ...., onot-t.wom:::::;14:, NONE atiegrilag%ff $2.00 . .4,ansacuorrifee 00010014.-'01i. NONE Late.PaYMent Fee: $35 or combined account balance qf $250 pr less; 539 for.coreblned account balance of $250.01 or more. .. . Overlimit Fee: $0 • r/ J IMlo rem r - Ti P.nJD flyniel Ma by sn&i.s2s3nt'01 br 102 torn IQrclavx tie eebtto Sc*%Weird Oats en:I e 2036fp FlteTaffill.CredOtasimterrnttryi.anl War mai rPm WWI Me: Prelim 0: bbiPR nwy vary and h basal f:n rho Wipes' or to US. Perna Rae(s) PJAMTI ISSYSttex..1=1crity New Seftri ante Frit ttt cIay V, Ito riVel thni TN, IVA Sine/Mani tipublinc!/, cf 1459 ma?* !cf en swain] flei Ird a'SOthed 241V piCe13911):00 tt D fORybiN,ytbi5rs di). Primo Rate Mt/ 1St' eted en thi frac* drxt.bra,9 tnikflrO h 2,,noPonigt fl".wn by Inn thin 2.444%.1Tio WW1 Itste leks /in 29.00%. • , . P g:' tzzi : 21 eg ,.EZ/ 1 f -A rE a g g... iliilg it . . I% li 41 iia li 11 I; "fl ift. 4 o E 3111 hi 111 g2 e - $ . t 1 b. %O..- vx A. Bialtilif 1 e El 0, V E' g E g . egZsgOgf I. .. 1 gA tip44ti. I iit • • 'Fs. .., , 8.,15 E u.... / t$. - hall Zgii ' g i 1 Zi4 i tad gti giig figainvni .gg Tbbto Informathts sobn, coodiclones cfo prdstamo de In hirist Cu de ciddlto Best Buy Programa A 3:44tafekit11417,-.?) *11.11.6f 0: :".:,..,...•• • •:••••••. 1: ,01., ,. „ Obi:laU:1i •:;,' 0:.0.tliA'4f4PAci, ' 0010:01,0),:i'grt: Et 1/4./09 la Tasa Eslandar es del el ,0.99%,11Ueizotlria Varier. . 91:*:.' ' g ''.;.'itei•V'' *SI', la Tata portadimplimiento: 25.99* el 114A cite4tepcddovariart Ilifotiti061 '?:.j'•:,.f .4s. abibTasas.„ i'l'r VA I#41 I ,„' •,. - • . • ,, -.., ,9' StkpR puede vertu: la,Tasa Estandar para* ceiiiptia ta:daterfoiriacida hies a turiiat 159044 SF la Taii king Rata, La Tasa por komplimiento so detamima. Cada ried a stir*: 2099t st le rasa' Plinio Rate'. ,..,,,'el t., kis .. -• o' $eifi_sk,kit ,,,. Cr.-. e 0 - •--7 No se lingorten cargos de financiarnien- to sore canvas huevas Si el nuevo Sld0':it gaga per complete coda mes dentro de los 23 cites deepaat de la tithe delactuieCitia. :Nli.yittliltia7 ":" CoinputAreh.- ; $0100 compras, Saida Proinedio Mario. (incluye mows compras) 00 toy ffii4irj.W WING UNA ' ...,"401515gRaP kiniakiiitrilett10.; M..1,1**40.;„V-.*gliig $2.00 , 13,„ ...,:,*11#00rVZ.i. :Rah i.a05,friltig., 014150004!;,M !MOUND * . - Recargopar pago rnoreso; $10 .para un saldo de cuerilae continadas-de$100 :0 nienos; $29 'pari.on-ealdo. de dientas combinadas entre $1 00.01 y$500.,' 09 paratifsaldode cuentat cOnthlaidakda $500.01 0 rods: Recargo pot stbretireit& $9 • St= r areal: es !ogoolkenies 1100rros kladodca consemododi WO 30 Ohs do '&dota do Rifts orri to Trao • EsiAndoe Y no 4nTetr4n 1E00:4 Mires' Oa' dekeedida ti *too 6,1 sals•cir su pont bo. -ye notpi mina onr daiteinte00. :!Prognend A: Su APR' peolf War y Cdoo en rrds oirOcit 00410g mn(s) Moo F4t0t4 tr-At WAC'adWeii eleas&A'arcddollid PIS Suitt :44•00fen piciodn dndodi Rote S005ird dreel 'trey 0, et agnien dol mod q.,0 dotoSP3 we'stmx/....-tPut -Rtegaid iS43 pidn03 rionettoto Fa 4 Usi Fssistir.), Vivo* s000 OA& mieOrdtsdoi ton e T., eurodono..R�o ootto mi Sod Woe Pado ort*d'On dgefotini iefe01 eta do on *Ode foroxiclOn. carenandodl rres slidetft. I, Du Uoesti etici 1.'60 etirit051 2,?:22%, I./ Irafirp Osezi aii de freno del 25.99%. 6072.138.EGSP.PAD-04 (1/09) • Thbla intOrmadva sobro condlclonos do prdstanto de to tatiOto di.poklIto Best Buy Programs B P0113 sus 04:m si moo apotracI Prorima B. 1-01-s•.f!cii..*t.ii.W.:::, P1.1.1,C4,, 0 dO*,014,.#1a :4#.00. it50.5,0g14 Et 1/4/09 la Tose Blander es del 24.34%, quo podrfa varlet Pigit:.„. ; . -0i La Tag pot Incurnplimiento: 29.00% el . -.. 1/4/09; quepodofavtiarI' .. _ IA tt9 * ''..'. 9'ob'°rase, ' Vitt ' ' ..'; t , ' ''t. Su APR puedovartar. La Tasa Estandar pars laicanoras se detempiatada ines atUrner 18,59% y la Tata Prtrire Rate. La Tasa pOilricianglirtilento-So delennina' Cada rnes a Sunlaf24.99% Y la Tesa Plinio Rite:" . °erT&do,..:iiSZ,;,f, I 3Paa 'doLt.Spl,ellY v: Nose imormen cargos te tlnanciamiento sabre aulsOisiti iius(k).saldd se -page poi complero. coda mos , den- tro .de 10$ 20 drat 'detples 'deja• lectia de facturacion. Mtodo - 4 .4w.ftril biiidit ' 2 „..,..,.. ..„,.1. 00.,L Saida Piemedio. Diaria.-(incloye mews compras)C. OrOfff,W.i.)),I.A3'hOY, NINGUNA Iiiiiniiii-41iika!,V. 0.0.0•f.;5;:%.*!ilt.:ti. ),'.:: $2.00 Wq86pq ' liiiivatie-Pgifilg 0:4:k0,1TIPtT51;q0 NINGUNO • - • • ' ' Recargo par papa rnaroso: $35 pare untaldo,de cuentas tonibt. nodes de $250:o menor, $39 pare un ado de &antes conibini- . . .. &a- de $250.01 O ma's.- Recargo per sopreifrnite: SO St tenni ro et Pep Otrinv ScoodAtkuindO fedi 0rPore.0 onsiu Wild do moo • mios do n44.10'01E:e'en toneoeudiekyi 'ro:Ooildk410W4o4,' eat essYstr.k.tsts issi+sirsi Sot no one to 'Midire eorteradoo yta let0410.1 Pt soda dada1.004th Ono poildintende010, Progneh* BoStiqR fxeda rata?001 tat rtt &pima' de OM bral,q PAM Pate Ce ELUL pAlcats o0eIn frondiko tooif0dSOrd.tienif co seeddo lthdodo .g0oOfjpikdooddto000doS1 rioss'en riefte-004.4 inept/ StrieCkenint 'eels 1.ftroy.okiEss9 rots pnriertao4 *a 4 Taie Esidodid P Vatar NM 11^6:4 Orroelvils teet lbso r20/1t00 anti, no 14 Isla Phut Rstu'enVarS en ol09otdtot4dtdo tOct01 hideock!.. odeeidandi el mei *bed: La nod SOW., wad red Oo merles 51 24.344,6 its IxtrepfrelsAiiianix PA (*mos din 29.99%. 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Ill s Thousands of Possibllitles C/7 7^- H Customer Service (Servicio al Cliente): 1-800-365-0292 Payment Address: Retail Services PO Box 17296 Baltimore MD 21297-1298 Mail Billing Inquiries to: PO Box 15521 Wilmington DE 19850--5521 Days in Billing Cycle: 31 Statement Date: 04/17/2009 Payment Total Minimum New Due Date Payment Due Balance VARIABLE DAILY PERIODICCORRESPONDING Past Due RATE APR Amount Available Credit 05/10/2009 $18.00 $1,800.00 0.05750% 20.99% $0.00 $0.00 Please see reverse for important disclosures, including grace period information. THANK YOU FOR OPENING YOUR ACCOUNT WITH US. YOUR APPROVED CREDIT LIMIT IS $ 1,800.00 We may report Information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected In your credit report. Transaction Date Transaction Details Promo. Type/Credit Plan Amount Previous Balance $0.00 04/15/2009 Video, Harrisburg PA Same As Cash $1,800.00 04/17/2009 New Balance $1.800.00 Let Best Buy help you Go Green. Bring in TVs, computers, DVD players and more to your local Best Buy store and receive a $10 Best Buy Gift Card, special terms and conditions apply, far more information visit bestbuy.com/recycling Promotionion Type/ Credit Plan Purchase D te Expirattion Date Variable Daily Periodic Rate eterred 4k ` ;�,k4 t t } .. FINANCE : ' '* - ,:_''"vi',=CHARGES New Balance Minimum Payment Due Previous Balance ADaily Balance Same As Cash 47009-1 04H5/09 04/28/11 $0.00 $0.00 0.05750% 20.99% $0.00 $3.11 $1.800 00 $18.00 Page 1 of 1 417147885 Please return coupon below with your payment. BEST BUY CO., INC. Customer Service (Servicio al Cliente): 1-800-365-0292 ACCOUNT NUMBER NEW BALANCE PAYMENT DUE DATE RECOMMENDED MAIL DATE TOTAL MINIMUM PAYMENT DUE ditanailigMr-4053 51,800.00 05/10/2009 04/30/2009 $18.00 169 JAMES W DRASHER 222 CHESTER RD ENOLA PA 17025-2613 ItttliltttllLttl,IltlIt6ttLltlLttttlLtlitttltlttltJltirtl AMOUNT ENCLOSED s Please complete using black or blue ink only. Make checks payable to RETAIL SERVICES. Include your account number on your check or money order. RETAIL SERVICES PO BOX 17298 BALTIMORE MD 21297-1298 IttLltttlLJJitfttitttttttlittlrl6lttittLit6tJ 00180000000018000007021263610384053001692 Thousands of Possibilities H CG I— W cz Customer Service (Servicio al Cliente): 1-800-365-0292 Payment Address: Retail Services PO Box 17298 Baltimore MD 21297-1298 Mail Billing Inquiries to: PO Box 15521 t lmington DE 19850-.5521 Days in Billing Cycle: 30 Statement Date: 05/17/2009 Payment Total Minimum New Due Date Payment Due Balance VARIABLE DAILY PERIODIC CORRESPONDING RATE APR Past Due Amount Available Credit 06/09/2009 $18.00 $1,770.00 0.05750% 20.99% $0.00 $30.00 Please see reverse for important disclosures, including grace period information. Transaction Date 04/18/2009 05/042009 05/17/2009 Transaction Details Promo. Type/Credit Plan Amount Previous Balance $1,800.00 On -Line Payment- Thank You (S30.00) New Balance $1,770.00 Congratulations to new graduates! Use your Best Buy credit card and reward them with the best techndogyfrom Best Buy. Promotion Purchase Promotion Type/ Date Expiration Credit Plan Date Same As Cash 47009-1 04/154)9 Page 1 of 1 04/28/11 $1,800.00 Average Daily Balance $0.00 Variable Daily Periodic Rate 0.05750% New Balance 20.99% $0.00 $34.23 $1770.00 Minim urn Payment Due $18.00 517148614 Please return coupon below with your payment. BEST BUY CO., INC. Customer Service (Servicio al Cliente): 1-800-365-0292 ACCOUNT NUMBER NEW BALANCE PAYMENT DUE DATE RECOMMENDED MAIL DATE TOTAL MINIMUM PAYMENT DUE 053 51,770.00 06/09/2009 0529/2009 S18.00 JAMES W DRASHER 222 CHESTER RD ENOLA PA 17025-2613 AMOUNT et ENCLOSED 169 Please complete using black or blue ink only. Make checks payable to RETAIL SERVICES. Include your account number on your check or money order. RETAIL SERVICES PO BOX 17298 BALTIMORE MD 21297-1298 Iir'rlrrr " r•III'r'rrI111I1(IH11I1U1IrrIrrtrI1Irr) 00177000000018000007021263610384053001697 Pape I of 2 Best Dna Account Statement Account NunitsetqfteliMal.s10$3 Pent May I8, 2011 to June 17, 2011 Pres iouc balance $2.983.16 Payments S0.00 Otter Credits Soon Pnrch, sec/Debits $0.00 Past Due Amount $414.00 Fees Charged + 535.00 Interest Charged $72.74 Non Balance Credit Limit $0.00 Credit Available 50.00 Statement Closing Date June H., 2011 Days in Billing Cycle 30 Questions? CoSibttler Service 'IDU/Hearing Impaired I-840-420-3981 I -HO -365.0186 Payment Address: 1401 C Retail Services. PO Dos 17298. Baltimore. MD 21297.12_98 Billing Inquiries: Retail Services, PO Bon 15521, CC'ilmington, 1)E 1!1854 .5521 Manage Your account online at www.hrsaccount,comtbestbuy Ce As a reminder, you may pay your credit card bill online or through our aulomated phone system for no fee. Trans Dale n6419/I I Post Date 06/09!1 I Description of Fees LATE CHARGE ASSESSMENT Total Fees For This Period Reg - Porch Reference Number I ll(HRN4 /300106/01909565230 Amount $35101 515,00 Description of Interest Charge INTEREST CIIARGE ON PURCHASES Total Interest For This Period Total fees charged in 2011 Total interest charged in 2011 Amount $72.74 $72.74 rte^ 04-7 `;^ Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Rcenlar Purchase 041019 •01 2924"% 1i') Balance Subject to Interest Rate 51 X163.28 Interest Charge $47.18 Dench mid room Mtmm rumina m m mi Mat rennet,- JAMES e men,. 40,041415 Srt4tln I) ;,cant Sae reverse rah: for imnnnant btomitan JAMES W DRASHER 222 CHESTER RD ENOLA PA 17025-2613 alyigliIPritilhill hilliitlipipi,iiiP4iagiqallai 169 Account Number. X4053 New Balance $3,090.90 Minimum Payment Due $551.00 Payment Due Dale 07/09/2011 Include account number on check to HSBC Retail Services. Do not send mot. /'lease send your payment 7 to 10 days prior to the payment due date to ensure timely delivery. AMOUNT ENCLOSED HSBC RETAIL SERVICES PO BOX 17298 BALTIMORE MD 21297-1298 Ili1�i1Iltlili11tiiliiiydrdlliuill�illtII t,tll1i1l1lili1ltl 00309090000551000007021263610384053001698 New Balance $3,090.00 Minimum Pa went Due $551.00 Payment Due Oak July 0, 2011 Late Payment Warning: If we do nor receive your minimum payment by the dare listed above, you may have to pay a late fee of op to $35.00 and your APRs maybe increased to the Penalty APR of 2424%. Minimum Payment Warning: if you make only the minimum payment each pound. you will pay more in interest and it will take you longer In pay ofTyour balance. For example: If yon make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about._. And you will end up paying an estimated total of.. Only the minimum payment IS Years 58.102 $130 3 Years $4,677 (Anviago = 53.303 ) if you would like infornmtio t about credit counseling services, call I-864.56'1.2227. Payment Address: 1401 C Retail Services. PO Dos 17298. Baltimore. MD 21297.12_98 Billing Inquiries: Retail Services, PO Bon 15521, CC'ilmington, 1)E 1!1854 .5521 Manage Your account online at www.hrsaccount,comtbestbuy Ce As a reminder, you may pay your credit card bill online or through our aulomated phone system for no fee. Trans Dale n6419/I I Post Date 06/09!1 I Description of Fees LATE CHARGE ASSESSMENT Total Fees For This Period Reg - Porch Reference Number I ll(HRN4 /300106/01909565230 Amount $35101 515,00 Description of Interest Charge INTEREST CIIARGE ON PURCHASES Total Interest For This Period Total fees charged in 2011 Total interest charged in 2011 Amount $72.74 $72.74 rte^ 04-7 `;^ Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Rcenlar Purchase 041019 •01 2924"% 1i') Balance Subject to Interest Rate 51 X163.28 Interest Charge $47.18 Dench mid room Mtmm rumina m m mi Mat rennet,- JAMES e men,. 40,041415 Srt4tln I) ;,cant Sae reverse rah: for imnnnant btomitan JAMES W DRASHER 222 CHESTER RD ENOLA PA 17025-2613 alyigliIPritilhill hilliitlipipi,iiiP4iagiqallai 169 Account Number. X4053 New Balance $3,090.90 Minimum Payment Due $551.00 Payment Due Dale 07/09/2011 Include account number on check to HSBC Retail Services. Do not send mot. /'lease send your payment 7 to 10 days prior to the payment due date to ensure timely delivery. AMOUNT ENCLOSED HSBC RETAIL SERVICES PO BOX 17298 BALTIMORE MD 21297-1298 Ili1�i1Iltlili11tiiliiiydrdlliuill�illtII t,tll1i1l1lili1ltl 00309090000551000007021263610384053001698 CY31f !3!pd3 CJ WCvzl—!Bct�+o1lTibJ n fou Bdj ioUCNn cf 1.5164 CoPIN t z I29-3122!1pi io1 !2743122 Sfhvrt>$CLsd of!15117 .13 S` hvrWO,ui t7 f 115116 .14 Sf hvfteg3/scl t11111199 .15 SFHVIA3SKYSD1 BTF 11118 wV {bcrh!Sbd 3: 1358 !))J 3:1356 1», 3: /358 I}4 3:1358 I» °/F 11!82 9x458'72 °/229'8: 42/11 D9 ejtlaboODspn pjpo!I.tgf Of see bt f Cin ptjpobm Ebtf FygjsbypolEbtf 003 Sf hvrtg0./21 ttf !1511: ,12 151360111: SlhvrhelQ'sl [1(!15117 ,13 150218121 Sl hvrtd0/si tit !15116 ,140,1" C12B121 SI hvrtenisl t1f 111199 .15 0/B CO3 SFHV! BS!OJSDI BTFI1111B 013 OtB OB CB 1'»vgpvt Of Njojnvn Efgszte Cepnpypobrf9bzpg) Cbrbodf Cb cbodf Cbzn fou ,bd 4 t u Bn pvou '112; 51/59 %2-:98'87 9919(68 95/11 951-: 98/87 5:51:4 '6171:7 997/59 °/4/11 96171:7 0/454/8 0/469/ 5 992/82 M/11 °/862/:5 9915/17 985535 9855/35 9/1/11 0/255/35 M/11 98/11 CB M/11 °2/11 lk#xl Itgf o_joh4gt!zpJScjatimeltjhofvq!gt/gtqf sftt!tall n f o11ef rjr/sht j d !Porjof !Bdtvotedit t/!Sf hjt dgoh!jt!gYdttv!tf d.•A:!hpgtxtf sfit.cf t wvz/dprl / Hf d9 tez!gddtvn n f dg.'o!cztvtJoh!zpxsICf ttWCuz!DdejdD!se! p!ttI f !I pn 1!I vJ ttt Izj J 9 rppl !vq!zpidttd#1+od1" I JCft00uz/m tl !Kt t t1Cvz It Mt 127:14718/62799.".9/611Jtt UBU!?1E .MOIMM MOW! W M! === MIM111▪ ,10M === IMIM- M W M= =WM MOM! IMOMM =IMMO === MIMI= MIMM MIIMM WIIM▪ M === MOMMIIM =MOM MIIMM MIIIIMM MISMM =MOM MEMO MMM1110 .1111MIINII. MM.! MMINIO .11.1MM MMOW === 011.1.111•1 11111111Mall The Law Offices of Frederic I Weinberg & Associates, P.C. BY: Frederic I. Weinberg, Esquire Identification No.: 41360 Joel M. Flink, Esquire Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 ,L7,1 OF _ ICE - THONOTARY 20/4 OCT I 11 PN 2: 09 CUtli3ERL AND COUNTY PENNS YL VA NIA NCEP, LLC vs. JAMES W DRASHER COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. : 14-4692 AFFIDAVIT OF SERVICE COMMONWEALTH OF PENNSYLVANIA : COUNTY OF PHILADELPHIA SS JOEL M. FLINK, ESQUIRE, being duly sworn according to law, deposes and says that on 10/6/14, he mailed a copy of the Amended Complaint, in the above -captioned matter to the defendant's counsel, Michael J. Pykosh, Esquire by regular mail. Attached hereto, made part hereof, and marked Exhibit "A" is a true and correct copy of the letter enclosing the Amended Complaint. I further state that the facts set forth herein are true and correct to the best of my knowledge, information and belief. The Law Offices of Frederic I. Weinberg & Associate P.0 BY: Sworn to and subscribed before me this day of , 2014. Freo-ri6g,4. Weinberg, Esquire M. Flink, Esquire Attorney for Plaintiff Notary Public COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL DAWN M MARSHALL Notary Public WHITEMARSH TM?, MONTGOMERY CNTY My Commission Expires Nov 18, 2017 EXHIBIT "A" • October 6, 2014 via federal express Prothonotary of Cumberland County One Courthouse Square Carlisle, PA 17013 RE: NCEP, LLC vs. JAMES W DRASHER Our File No. : 2180405 Dear Sir/Madam: Enclosed for filing please find an original and two copies of the Amended Complaint with regard to the above matter. Kindly file same with the Court and return a time -stamped copy in the enclosed self-addressed stamped envelope provided herein for your convenience. Thank you for your attention to this matter. Very truly yours, The Law Offices of Frederic I. Weinberg & Associates, P.C. /s/ Joel M. Ffink JOEL M. PLINK, ESQUIRE JMF/EC enclosure cc: Michael J. Pykosh, Esquire (w/encl.) E005 Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC I 0 A ; II. r-r- 2132 Market Street • ‘-iD Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 s• -4 - 4 , Fax—(717)975-2309 mpykoshdolglaw,com Attorney for Defendant NCEP, LLC, : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : No.: 2014-4692 JAMES W. DRASHER, : CIVIL ACTION - LAW Defendant NOTICE TO PLEAD To: NCEP, LLC do Joel M. Flink, Esquire 1001 E. Hector Street, Suite 220 Conchohocken, PA 19428 You are hereby notified to plead to the enclosed Preliminary Objections within twenty (20) days from the date of service hereof or a default judgment may be entered against you. Date: /0 - IC- Michael J. Pykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpvkosh(a�dplglaw,com Attorney for Defendant NCEP, LLC, : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : No.: 2014-4692 JAMES W. DRASHER, : CIVIL ACTION - LAW Defendant DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT AND NOW, comes the Defendant, James W. Drasher, by and through his attorneys Dethlefs-Pykosh Law Group, LLC, by Michael J. Pykosh, Esquire, who files his Preliminary Objections to the Plaintiff's Amended Complaint, and avers as follows: 1. Plaintiff filed suit against Defendant alleging that Defendant owes money to Plaintiff arising out of an account of which Plaintiff claims to be the Assignee. Am. Comp. ¶1 2. The Amended Complaint was filed on October 7, 2014. First Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 3. Pa. R.C.P. 1028(a)(2) allows a party to preliminarily object to a pleading if the pleading fails to conform to law or rule of court. 4. Plaintiff's Amended Complaint fails to conform to Pennsylvania Rules of Civil Procedure. 5. Pursuant to Pa. R.C.P. 1019(h) Plaintiff has failed to indicate whether the alleged Agreement between the parties is oral or written. 6. Pursuant to Pa. R.C.P. 1019(i) Plaintiff has failed to attach a copy of the complete writing, more specifically the Loan/Credit Agreement, or the material part thereof, or, in the alternative, state, with the reason that the writing or copy thereof is not accessible to the Plaintiff and the substance of the writing in violation of Pa. R.C.P. 1019(i). Remit Corporation v Miller, 5 Pa. D&C 5th 43. See also Citibank NA v. Ralph D. Opitz, No 207-2010-C (Fulton County Branch). Second Preliminary Objection- Pa.R.C.P. No. 1028(a)(2) Failure to Conform to Rule of Court 7. The Plaintiff is not the original creditor, but rather assignee of the original creditor (see Exhibit "A" to Plaintiff's Amended Complaint). Since the Plaintiff's right to maintain an action as an assignee is predicated upon written assignment or agency agreement, that writing must be attached to the Amended Complaint, pursuant to Pa. R.C.P. 1019(i). 8. Plaintiff failed to attach an Assignment and Assumption Agreement for Defendant's Account. 9. By failing to attach a copy of the entire assignment of the debt to the Plaintiff, the Amended Complaint does not comply with an express rule of court, in violation of Pa. R.C.P. 1028(a)(2). Remit Corporation v Miller 5 Pa. D&C 5th 43 and Capital One Bank v. Clevenstine, 7 Pa. D&C 5th 153. Third Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 10. Pursuant to Pa. R.C.P. 1028(a)(2), a party may file a Preliminary Objection based upon the failure of a pleading to conform to law or rule of court or inclusion of scandalous or impertinent matter. 11. Plaintiff's Amended Complaint is based upon a contract. 12. Plaintiff asserts a cause of action based upon an account stated theory of recovery. 13. Plaintiff in pleading account stated cause of action is not permitted to escape pleading requirements otherwise applicable. CitiBank (South Dakota, N.A.) v Xenofon Skaboulos, No. 09-8676 (Cumberland County). CitiBank, N.A. v Heather B. Wadas, No. 12-1705 (Cumberland County, Peck J.). CitiBank (South Dakota), N.A. v Ross, No. 10-5668 (Cumberland County, Masland J.). Fourth Preliminary Objection- Pa. R.C.P. No. 1028(a)(3) Insufficient Specificity in a Pleading 14. The Amended Complaint contains only a general assertion of the amount the Plaintiff claims is owed by the Defendant. It provided insufficient detail as to the date(s) on which the debts were incurred, the amounts incurred on each date, the dates or amounts of payments, nor dates of accrual and amounts of interest charges and other fees. 15. Pa. R.C.P. No. 1019 and Pa. R.C.P. 1028(a)(3) require that the above detail be included in a Amended Complaint of this type. 16. By not including the requisite detail of the account, the Amended Complaint fails to conform to an express rule of Court. Fifth Preliminary Objection- Pa. R.C.P. No. 1028(a)(4) Demurrer to Court 17. Plaintiff has failed to allege facts sufficient to maintain a cause of action for Breach of Contract and Account Stated. 18. Plaintiff has failed to fulfill the pleading requirements for an account stated cause of action. Sixth Preliminary Objection- Pa. R.C.P. 1028(a)(5) Plaintiff is a Stranger to Defendant 19. Pa. R.C.P. 2002(a) required that an action be brought by the real party in interest. 20. By failing to attach a copy of the necessary writing with all exhibits and identifying Defendant's Account as among the assigned, the Plaintiff has failed to conform with the requirements of the aforesaid rule. 21. Plaintiff has not shown standing or capacity to sue Defendant. 22. Since this matter was not brought by the real party in interest it must be dismissed. WHEREFORE, the Defendant respectfully requests that his Preliminary Objections be sustained, and that Plaintiff's Amended Complaint be dismissed with prejudice. Respectfully Submitted, Date: /(7 -- 15- 11-1 Michael J. Pykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant Michael J. Pykosh, Esquire ID#58851 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 MPvkosh(a�dplglaw.com Attorney for Defendant NCEP, LLC, : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : No.: 2014-4692 • JAMES W. DRASHER, : CIVIL ACTION - LAW Defendant CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Defendant's Preliminary Objections to Plaintiffs Amended Complaint, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: NCEP, LLC do Joel M. Flink, Esquire The Law Office of Frederic I. Weinberg &Associates, P.C. 1001 E. Hector Street, Suite 220 Conshohocken, PA 19428 Respectfully Submitted, Date: Iv-- 15 -1L Michael J. Pykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant