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HomeMy WebLinkAbout14-6974 Supreme C©. �.ennsylvania Cout• ­fCom� ;Pleas For Nrodwiwtwy Use only: � viltxcs�Slciet 1DocketN6: 1 tp CU � 2LANib County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the cling and service o pleadings or olherpape&as required by law or rules o court. Commencement of Action: D Complaint ®Writ of Summons ® Petition S 13 Transfer from Another Jurisdiction [3Declaration of Taking E C Lead Plaintiff's CACH,LLC Name: Lead JOSHUA LILLEY T Dollar Amount Requested: Owithin arbitration limits I Are money damages requested? 13 Yes ® No (check one outside arbitration limits O N Is this a Class Action Suit? [3 Yes 12 No Is this an MDJAppeaP 0 Yes El No .A Name of Plaintiff/Appellant's Attorney: MICHELLE L. SANGINITI,ESQ. E3 Check here if you have no attorney(area Self-Represented [Pro Se]Litigant) Nature of the Case: Place art"X'to the lett of the ONE case category that most accurately describes your PRIMALY 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) CONTRACT(do not include Judgments) CIVIL APPEALS ®Intentional E3 Buyer Plaintiff Administrative Agencies ®Malicious Prosecution 1.Debt Collection:Credit Card E3 Board of Assessment El Motor Vehicle [3 Debt Collection: Other 13 Board of Elections ®Nuisance Dept. of Transportation 0 Premises Liability 8 Statutory Appeal:Other S (3 Product Liability(does not include E mass tort) Q Employment Dispute: Slander2,ibel/Defamation Discrimination C E3 land E3 Employment Dispute:Other Zoning Board ,r E3 Other: I p Other: o MASS TORT Asbestos N [3 Tobacco C3 Toxic Tort-DES Toxic Tort-Implant REAL PROPERTY 1VIISCELLANEOUS ® Toxic Waste [3 Ejectment ElCommon Law/Statutory Arbitration B ® Other: Eminent Domain/Condemnation Q Declaratory Judgment Ground Rent Mandamus Landlord/TenantDispute Non-Domestic Relations Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABLITY Mortgage Foreclosure: Commercial 13 Quo Waranto 0 Dental [3 Partition 0 Replevin Legal [3 Quiet Title 13 Other: Medical Other: Other Professional: ilpdaed U1/2011 * 4 3 3 8 2 5 — C O M — 1 — a , IN THE COURT OF COMMON PLEAS OF CUMBERLAND=. `=w COUNTY "! t PENNSYLVANIA CACH,LLC VS. NO. JOSHUA LILLEY NOTICE TO DEFEND You have been sued in Court. If you wish to defendant against the claims set fourth in the following pages, you must take action within(20) days after the Complaint and notice are served,by entering a written appearance personally or by an attorney and filing in writing with the Court, your defenses or objections to the claims set fourth 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 of any money claims or 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 THIS OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. 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. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE,PA 17013. Telelphone: 249-3166 t ISbi-yov 5 , /S p $ IRA 31 ��y� s Law Firm of Allan C. Smith,P.0 Attorney ID: 204756 1276 Veterans Highway Suite E-1 Bristol,PA 19007 (888)275-6399/(215)428-0666 Attorney for Plaintiff CACH,LLC ) COURT OF COMMON PLEAS 4340 SOUTH MONACO STREET 2ND ) CUMBERLAND COUNTY FLOOR DENVER, CO 80237 ) Plaintiff, ) VS. ) No.: JOSHUA LILLEY ) 18 DOWNING ST ) CARLISLE,PA 17013 ) COMPLAINT To: JOSHUA LILLEY 18 DOWNING ST CARLISLE,PA 17013 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 the court without further notice may enter a judgment against you for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE,PA 17013. Telelphone: 249-3166 AVISO Le han dernandado a usted en is corte. Si usted quiere defenderse de estas demandas expuestas en las pagins siguientes. Usted tiene veinte(20) dias de plaza al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia excrita o en persons o con abogado y entregar o sus objecciones a las demandas en contra de su persona. Se avisado que si usted no se defiende. La corta tomara medidas y puede continuar la demada en contra suya sin previo Avisa o notificion. Ademas la corte puede decidie a favor del demandante y requiere que usted compla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedas o otros derechos imporrantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSOAN O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SERVICE DE REFERENCIA LEGAL CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE,PA 17013. Telelphone: 249-3166 Plaintiff, CACH, LLC, by its attorney, Law Firm of Allan C. Smith, P.C., by way of complaint against Defendant,JOSHUA LILLEY, avers the following: 1. Plaintiff, CACH, LLC, is a Colorado limited liability company doing business at 4340 South Monaco Street 2nd Floor,Denver, CO 80237. 2. Defendant, JOSHUA LILLEY, is an individual residing at 18 DOWNING ST., CARLISLE,PA 17013. 3. Plaintiff's cause of action is based upon a writing. 4. Defendant was,JOSHUA LILLEY, indebted to CITIFINANCIAL,INC.for a breach of the written contract by and between them in the amount of$3,340.29 which balance was due and unpaid as of March 29,2013,for credit card account number 4309010363364.<Exhibit A>. 5. On or about April 25, 2013, CITIFINANCIAL, INC sold the debt for good and valuable consideration to plaintiff, CACH,LLC<Exhibit B> 6. The Defendant,Joshua Lilley, last tendered a payment on 08/10/2012. <Exhibit A>. 7. Pursuant to P.R.C.P Rule 1019(1), a copy of the controlling writing, the Consumer Loan Agreement, is not accessible to the Plaintiff at this time and is in the possession of the third-party assignor of the debt to Plaintiff. Plaintiff has a reasonable and good faith belief that said writing can be produced to Defendant during discovery or prior to trial. 8. Plaintiff is entitled to charge-off account finance charges of$0.00.<Exhibit A> 9. Plaintiff is entitled to pre-litigation charge-off interest of $0.0000 per day from the default date (0.000% annual percentage rate x $3,340.29 / 365 days) or $0.0000 x 554 days = $0.00; which is accrued interest through the date of filing. <Exhibit A> Plus an award of late fees 0.00, court costs$215.75 and reasonable attorneys fees as stated in the Cardholder Agreement. 10. The defendant,being indebted to the plaintiff upon the account by and between them did promise to pay said sums upon demand. Demand has been made for payment and the defendant has failed to remit payment. WHEREFORE, plaintiff demands judgment against the defendants for $3,556.04 which includes interest, court costs, and a prayer for reasonable attorney's fees, should this matter be contested or go to default judgment. Date: October 31,2014 V�z MI LLE L.SA INITI, s EXHIBIT A REPORT Z737A 674309010363364 ARCHIVE ACCOUNT HISTORY REPORT RUN DATE 05/14/13 PAGE 70671 office # 67-43-0901 JOSHUA LILLEY orig. service chg 150.00 a & h ins premium 244.25 account # 36336-4 18 DOWNING ST service charge II a & h ins coverage 6168.00 class 03 CARLISLE PA 17013 maintenance a & h ins refund date prev account 31560-4 soc. sec. # 178-68-5739 cash points a & h ins refund amt 39.46 ` corporation code 030 age of borrower 25 lien/recording a & h ins termr 48 product code 003 age of co borrower total of payments 6189.16 fire ins premium law code 70 # times past due 30 days 1 fire ins coverage 6168.00 dealer code 99 new fin pmt due 11-02-2014 # times past due 60 days 1 fire ins refund date apr 28.2100 date int starts 10-19-2010 # times past due 90 days 4 fire ins refund amt rescheduled rate date added to archive 05-03-13 fire ins term 48 term 48 amount financed 3824.16 life ins premium 99.92 other ins premium contract date 10-19-2010 reg. payment amt. 128.50 life ins coverage 6168.00 other ins coverage payment due day of mo. 02 interest 2343.84 life ins refund date other ins refund date first pmt due date 12-02-2010 finance charge 2515.00 life ins ref amt 16.14 other ins ref amt final pmt due date 11-02-2014 late charge 1.93 life ins term 48 other ins term masi/asi premium masi/asi refund amt iui premium iui refund amount interest rate interest refund prepay penalty release fee coll maint fee refund defer fee refund defer defer fee svc charge refund TRN TRN TRANS. FORMAT TRANS EFF TRANS PRINCIPAL INTEREST FEE/CHG BALANCE ACCUM INT DATE C NUM COD DESCRIPTION DATE DATE AMOUNT AMOUNT AMOUNT AMOUNT AMOUNT INT DAY INT D 054 MNT CUSOMER RECORD MAINT 04-25-2013 1 053 MNT CUSOMER RECORD MAINT 04-23-2013 1 052 MNT CUSOMER RECORD MAINT 04-11-2013 1 051 MNT CUSOMER RECORD MAINT 04-11-2013 1 050 MNT CUSOMER RECORD MAINT 04-11-2013 1 049 MNT CUSOMER RECORD MAINT 04-11-2013 1 048 MNT CUSOMER RECORD MAINT 04-11-2013 1 047 MNT CUSOMER RECORD MAINT 03-30-2013 1 046 MNT CUSOMER RECORD MAINT 03-30-2013 1 045 TRI TRANSFER IN 03-29-2013 3340.29 1 044 TRO TRANSFER OUT 03-29-2013 3340.29 8 043 COF CHARGE OFF 03-29-2013 3340.29 437.70 58.33 58.33 3340.29 042 MNT CUSOMER RECORD MAINT 11-13-2012 1 041 MNT CUSOMER RECORD MAINT 11-05-2012 1 040 MNT CUSOMER RECORD MAINT 11-05-2012 1 039 TRI TRANSFER IN 11-01-2011 3777.99 10-19 038 TRO TRANSFER OUT 11-01-2011 3777.99 10-19 037 POQ PAYOFF INQUIRY 10-31-2012 11-01 3098.45 036 SPA SPEEDPAYPAYMENT 08-10-2012 150.00 147.50 2.50 3777.99 035 SPA SPEEDPAYPAYMENT 07-27-2012 150.00 144.06 5.94 3925.49 034 SPA SPEEDPAYPAYMENT 06-16-2012 06-15 136.89 132.08 4.81 4069.55 033 SPA SPEEDPAYPAYMENT 05-05-2012 05-04 80.00 78.72 1 .28 4201 .63 032 SPA SPEEDPAYPAYMENT 03-15-2012 236.06 232.69 3.37 4280.35 031 POQ PAYOFF INQUIRY 03-09-2012 03-30 3375.83 030 SPA SPEEDPAYPAYMENT 02-10-2012 120.00 117.66 2.34 4513.04 029 SPA SPEEDPAYPAYMENT 01-31-2012 150.00 145.91 4.09 4630.70 028 POQ PAYOFF INQUIRY 01-20-2012 01-31 3489.92 027 SPA SPEEDPAYPAYMENT 12-30-2011 150.00 146.05 3.95 4776.61 026 POO PAYOFF INQUIRY 12-05-2011 12-30 3557.45 025 FRE ALLOWABLE DELINQUENCY 10-27-2011 4922.66 3 024 SPA SPEEDPAYPAYMENT 09-22-2011 150.00 148.72 1.28 4922.66 023 PMT PAYMENT 08-27-2011 110.00 108.62 1 .38 5071 .38 1 022 SPA SPEEDPAYPAYMENT 06-20-2011 216.82 215.82 1 .00 5180.00 021 SPA SPEEDPAYPAYMENT 05-06-2011 300.00 297.89 2.11 5395.82 020 MNT CUSOMER RECORD MAINT 05-02-2011 2 019 POQ PAYOFF INQUIRY 05-02-2011 05-31 3715.73 018 FPT FPT AML PAYMNT TRANSACTION 03-17-2011 261.00 5693.71 03-17 1 REPORT Z737A 674309010363364 ARCHIVE ACCOUNT HISTORY REPORT RUN DATE 05/14/13 PAGE 70672 OFFICE # 67-43-0901 ACCOUNT # 36336-4 BORROWER NAME - LILLEY JOSHUA TRN TRN TRANS. FORMAT TRANS EFF TRANS PRINCIPAL INTEREST FEE/CHG BALANCE ACCUM INT DATE C NUM COD DESCRIPTION DATE DATE AMOUNT AMOUNT AMOUNT AMOUNT AMOUNT INT DAY INT D 017 PMT PAYMENT 03-17-2011 261.00 257.29 3.71 5693.71 1 016 POQ PAYOFF INQUIRY 03-14-2011 03-31 3777.20 015 NFE ADD-ON LOAN 03-10-2011 20.00 5951.00 3 014 APR PRE-AUTH ACCEPTED PMT RET 03-10-2011 128.50- 126.71- 1.79- 5931.00 013 APP PRE-AUTH ACCEPTED PMT 03-02-2011 128.50 126.71 1.79 5804.29 012 NFE ADD-ON LOAN 02-11-2011 20.00 5931.00 1 011 APR PRE-AUTH ACCEPTED PMT RET 02-10-2011 128.50- 128.50- 5911.00 010 APP PRE-AUTH ACCEPTED PMT 02-02-2011 128.50 128.50 5782.50 009 APP PRE-AUTH ACCEPTED PMT 01-03-2011 01-02 128.50 128.50 5911.00 008 APP PRE-AUTH ACCEPTED PMT 12-02-2010 149.66 149.66 6039.50 007 MNT CUSOMER RECORD MAINT 10-20-2010 1 006 MNT CUSOMER RECORD MAINT 10-20-2010 1 005 MNT CUSOMER RECORD MAINT 10-20-2010 1 004 MRE MISCELLANEOUS RECEIPT 10-19-2010 329.95 6189.16 1 003 MNT CUSOMER RECORD MAINT 10-19-2010 1 002 LPC LOAN PROCEEDS CHECK 10-19-2010 3000.04 1 001 LPC LOAN PROCEEDS CHECK 10-19-2010 329.95 1 EXHIBIT B i CERTIFICATE OF PURCHASE SIGNS ESPINOZA hereby depose and state that: 1. 1 am an Authorised Agent of CACH, LLC,a Colorado Limited Liability Company. 2. As such, I am authorized to give this Certificate,and possess sufficient personal knowledge to do so regarding: Customer Name: JOSHUA LILLEY Original Creditor: CITIFINANCIAL, INC. Account Number: 4309010363364 3. On or about April 25,2013 this account was sold by the creditor. CACH, LLC is the current owner of the account and purchased the account for good and valuable. consideration. Date: B Sworn and subscribed to before me this day of 2014. t lo•i A9Y PUBU Notary Public + -D tars c° `';t� Contract im snNU I FMU32312 Document ID;042313ST3 NU I FMH I BILL OF SAIF'AND ASSIGNMENT THIS BILL OF SALE AND ASSIGNMENT is dated as of April 26, 2013 between the undersigned entities. with offices located at 300 Saint Paul Place. Baltimore. MD 21202 (collectively.the"Seller")and CACH.I.I.C.organized under the laws of the Colorado located at 4340 S. Monaco.2"J Floor,Denver,CO 80237("Buyer"). For value received and subject to the terms and conditions of the Purchase and Sale Agreement dated March 22. 2012,between Buyer and the Seller(the"Agreement"), the Seller does hereby transfer, sell, assign. convey. grant, bargain, set over and deliver to Buyer, and to Buyer's successors and assigns,all of the Seller's right,title and interest in and to the Accounts described in Section 1.2 of the Agreement. Except as provided for in the Agreement, this Bill of Sale and Assignment is executed without recourse and without representations or warranties including, without limitation.warranties as to collectibility. Seller. OncMain Financial Inc.,a Delaware corporation;OneMain Financial, Inc.a West Virginia corporation;One..Main Financial Services. Inc.a Minnesota corporation;OneMain Financial. Inc.a Hawaii corporation;CF Network Issuance Trust 2010-1.a Delaware corporation Seller lay: (Signature) Name: Michael Taulbee wk,,,Q1 uiee i.a" GE0, so098248;5,7 Canaft NA Man�ep�MO 8753 Title: Senior ViL'C Pr+esldtnl 1 AFFIDAVIT STATE OF MISSOURI )ss. COUNTY OF PLATTE Account Holder:. LILLEY,JOSHUA Account#: ending in.3364 S9N/EIN/TIN#: XXX-XX-5730 The undersigned,signed, Alqeq.Dyk being duly sworn,states and 4eposes.as follows.: 1.I am an employee of Citibank,N.A..("Citibank"),a national on bank Iodated in Sioux Falls,South Dakota,and I am authorized to make this Affidavit. My job title:is Document Control Offider. Citibank is an affiliate of.CF Network Issuance Trust 2010-1 ("OneMain Financial")and:services.accounts for OneMain Financial,including maintaining and recording information in OneMain Financial'.s records as they relate to accounts owned by OneMiin Financial. The statements set forth in this affidavit are true and correct to the best of my knowledge,inf6rmation-and belief based on either personal knowledge or review of the business records of Citibank and/or OneMain Financial. 2.My duties include having knowledge of,and access to,business records relating to the OneMain Financial account referenced-above; These records-are kepi-by OneMain Financial in the regular course of business and it was in the regul&course of business of OneMain Financial for an employee or representative with personal knowledge of the act,event condition,.or opinion recorded to make memorandum or.records or to transmit information thereof to be included in such memorandum or records;and that the records were made at or near the time of the act and/or event recorded or reasonably soon thereafter. 3.OneMainTinanciaPs records reflect that a loan ending' in account number 3364(the"Adcount7) sold to CACH, LLC on or about 4/26/2013. At the time the Account was sold Main Opp -' Firiahcial Orepated and forwarded to CA.CH,LLC a spreadsheet reflectingA60iiht iriffirm ion as of the sale. Account ---at _. . . - a]- date based on.One.Mak Financial's records,including,among.other things,the Account number,.Account balance,the date of the last payment,the Account holder's name, and Social Security number(the"Account Information"). The Account Information reflects that the Account was opened on, 10/19/2010. The Account Information reflects that the Account holder's name at time of the sale was LILLEY,JOSHUA,with a Social Security Number ending in:XXX-XX-5739.. 4.The Account Information indicates that,as of the date the Account was sold,there was dueandpayable on the Account$3,340,29. 1 solemnly affirm under the penalties of perjury that the contents of the fortgqtng paper are true. EXECUTED on -7 Dot/ —(2Q— Signature Aimee Dykes Name STATE OF MISSOURI COUNTY OF PLATTE On this ;)_3 day of. 20jbefore the undersigned Notary Public mi .and for the state of Missouri, personally appeared Aimee Dykes known to me to be the person who executed the Affidavit and acknowledged to me that he/she executed the same for the purposes.thtrein stated. CARbM E.HUGHES Notary Public Notary Public-Notary Seat state of Missouri,,Jackson County My Conimission Expires.. jarivary26.-2618 . commission#14927304 My Commission.Expires Jan 26,2018 'i a VERIFICATION SIGIVE ESPINOZA I• ,hereby depose and state that: The language of the foregoing document is that of counsel and not necessarily my own; however, l have read the foregoing document and the factual information contained therein is true and correct to the best•of my personal knowledge. 1 am the Authorized Representative and a duly authorized representative of the plaintiff; The factual allegations set forth in the foregoing pleading are true and correct to the best of my knowledge,information and belief,and they are that JOSHUA LILLEY owes the balance of$3,340.29 to CACH, LLC on previously submitted invoices,which balance is due and unpaid as if the date of the execution of this Verification. I am aware that if any of the foregoing is willfully false,I am subject to punishment. I understand that false statements made herein are subject to the penalties relating to unsworn falsification to authorities. _ I B Dated: SIGNE ESPINOZA Authorized Representative 3 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriffr r THE PPO if OF OI m of cilioetiv Jody S Smith Chief Deputy Richard W Stewart Solicitor OFFICE OF THE .: -1 _RIFF 211 I I)DEC IS PM 3:22 UMBERLAND COUNTY PENNSYLVANIA Cach, LLC vs. Joshua E. Lilley Case Number 2014-6974 SHERIFF'S RETURN OF SERVICE 12/03/2014 02:13 PM - Deputy William Cline, being duly sworn according to law, served the requested Complaint & Notice by handing a true copy to a person representing themselves to be Sherri Hubbard, Mother, who accepted as "Adult Person in Charge" for Joshua E. Lilley at 18 Downing St eet, North Middleton Township, Carlisle, PA 17013. WILLIAM CLINE, DEPUTY SHERIFF COST: $34.78 SO ANSWERS, December 05, 2014 RONNY R ANDERSON, SHERIFF (c) CountySuite Sheriff, Te>eosott, inc.