HomeMy WebLinkAbout05-5279
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
vs.
NO. O~ - 5217
CIVIL ACTION - LAW
C;u~L'---r~
ROGER L DILLOW,
Defendant
PLAINTIFF'S PETITION TO CONFIRM
ARBITRATION AWARD PURSUANT TO 42 Pa.C.S.A. ~7313
AND NOW, TO WIT, comes the Petitioner/Plaintiff, MBNA AMERICA BANK, N.A.,
by and through its attorneys and the law firm of Wolpoff & Abramson, LLP, and files the
following Petition to Confirm Arbitration Award, and in support avers as follows:
1. Petitioner/Plaintiff, MBNA AMERICA BANK, N.A. is a Delaware corporation
doing business within the Commonwealth of Pennsylvania, and the other states of the United
States, with its principal place of business situated at 655 Paper Mill Road, MAILS TOP 14111,
WILMINGTON, DE 19884.
2. RespondentlDefendant, ROGER L DILLOW, , is an adult individual with a last
known address of lIC RICHLAND LN, APT T 10, CUMBERLAND County, CAMP HILL,
PA 17011.
3. Pursuant to the credit card agreement Defendant received when Plaintiff issued
Defendant an open end credit card account, which Defendant assented to by virtue of his/her use
of the account, the parties agreed that, in the event of any claim and/or dispute surrounding this
account arose which required collection efforts, any matters would be referred to the National
Arbitration Forum (NAF). A true and correct copy of this Credit Card Agreement Additional
Terms and Conditions is attached hereto, incorporated herein and marked as Exhibit "A".
4. Defendant subsequently defaulted on the terms of the aforementioned credit card
agreement by failing to pay Plaintiff as required pursuant to the terms the agreement.
5. In response, pursuant to the terms the credit card agreement, Plaintiff referred this
matter to the NAF for Arbitration; Plaintiff then forwarded Defendant a Notice of Arbitration
and Arbitration Claim form, explaining Defendant's rights and options in accordance with the
Arbitration process. A true and correct copy of both the Notice of Arbitration and Arbitration
Claim form were appropriately served upon the Defendant.
6. Both a Notice of Arbitration and Arbitration Claim form were received by
Defendant. A true and correct copy of the proof of service is attached hereto, incorporated
herein and marked as Exhibit "B".
7. An Arbitration occurred in this matter at which time both parties were provided
with full and fair opportunity to present any evidence and their position in regarding to this
matter.
8. An NAF Arbitration Award was entered in favor of Plaintiff and against
Defendant in the amount of Six Thousand Three Hundred Sixty-One Dollars and Twelve
Cents ($6,361.12). A true and correct copy of the Arbitration Award is attached hereto,
incorporated herein and marked as Exhibit "C".
9. In conjunction with the issuance of this Arbitration A ward, the Arbitrator in this
matter certified: (a) the parties entered into an agreement providing that this matter was to be
resolved in accordance with the National Arbitration Forum Code of Procedure; (b) Plaintiff
filed a claim with the Forum and served it upon Defendant; (c) the parties had the opportunity to
present all evidence and information to the Arbitrator; (d) the Arbitrator reviewed all evidence
and information submitted; and (e) the information and evidence submitted supported the
issuance of an A ward in favor of Plaintiff.
10. The Credit Card Agreement unequivocally states that judgment upon any
arbitration award may be entered in any state or federal Court having jurisdiction.
11. Since the above referenced Arbitration Award is non-binding and unenforceable
against Pennsylvania residents without confirmation of any such Award by a Pennsylvania
Court, Plaintiff has filed the instant Petition, pursuant to the Uniform Arbitration Act, in order to
obtain judgment against Defendant in a Pennsylvania Court, which will better enable Plaintiff to
secure a collectible judgment against Defendant.
12. Plaintiff is entitled to the relief requested in the instant Petition given That: (a)
the aforementioned Arbitration Award was properly obtained by Plaintiff; (b) this Honorable
Court has jurisdiction over the Defendant to confirm the aforementioned Arbitration A ward; and
(c) because Defendant did not make an application, pursuant to 42 Pa.C.S.A. ~7314, within thirty
(30) days of receipt of the aforementioned Arbitration A ward, with the Court to have said
Arbitration Award vacated, modified and/or corrected,
WHEREFORE, PlaintifflPetitioner respectfully requests that this Honorable Court
confirm the Plaintiff's Arbitration Award, pursuant to 42 Pa.C.S. ~7313, and enter judgment in
favor of Plaintiff and against Defendant(s) in the amount of Six Thousand Three Hundred Sixty-
One Dollars and Twelve Cents ($6,361.12).
Respectfully submitted,
~(~ -
Amy F. Doyle #87062
Daniel F. Wolfson #20617
Bruce H. Cherkis #18837
Philip C. Warholic #86341
Donald P. Shiffer, III #89451
Andrew C. Spears #87737
Ronald M. Abramson #94266
Ronald S. Canter #94000
Wolpoff & Abramson, LLP/Counse! for Plaintiff
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., 3rd Fl., Camp Hill, P A 17011
(717) 303-6700
VERIFICATION
The undersigned hereby states that they are the attorney for the PlaintifflMovant, who is
located outside of this jurisdiction and in order to file the within document in an expedient and
timely manner, they are authorized to take this verification on behalf of said PlaintifflMovant in
the within action and verifies that the statements made in the foregoing Petition are true and
correct to the best of their knowledge, information, and belief, based upon information provided
by the Plaintiff/Movant.
The undersigned understands that false statements herein are made subject to the
penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities.
Date:~3()/or
Amy F~ <( ~ #87062
Daniel F. Wolfson #20617
Bruce H. Cherkis #18837
Philip C. Warholic #86341
Donald P. Shiffer, III #89451
Andrew C. Spears #87737
Ronald M. Abramson #94266
Ronald S. Canter #94000
Wolpoff & Abramson, LLP/Counsel for Plaintiff
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., 3rd Fl., Camp Hill, PA 17011
(717) 303-6700
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910 5th Ave. Seattle, WA 98104 www.pfiserves.com
(800) 232-8854 Fax: (800) 786-4011
PROCESS SERVICE INVOICE
BIIL TO:
Wolpoff & Abramson, LLP
702 King Farm Blvd
Rockville, MD 20850-5775
ACCOUNT #: 102448
ATTENTION: Jose Salcedo 800678-0303
INVOICE #: 3557150
111111111111 1111111111111
DA IE: Jan 31 2005
BILL REF: 127930806
AMOUNT DUE: $69.00
COURT:
CASE NAME:
CASE NUMBER:
NATIONAL ARBITRATION FORUM
MBNA AMERICA BANK, N.A. V5. ROGER L DILLOW
FA0411000372820 HEARING DATE:
SERVEE: ROGER L DILLOW
PERSON SERVED: ROGER L DILLOW
SERVICE DATE: Jan 182005 6:00PM SERVED BY:
SERVICE ADDRESS: 11C RICHLAND LN APT no CAMP HILL, Pennsylvania 17011
DOCUMENTS: ARBITRATION CLAIM
SERVICE NOTES
BAD ADDRESS LIST
SERVICE PERFORMED NOTE RATE
PFI SERVED 69.00
SUB TOTAL 69.00
PREP AID RETAINER 0.00
AMOUNT DUE 69.00
Documents are served in accordance with and pursuant to; the statutes or court rules of the jurisdiction in which the matter
originates, and/or the statutes or court rules of the state in which service took place, and client instructions. If service was
substituted upon another person or left with a person who refused to identify him or herself, it is incumbent upon the client
to notify ABC and/or PFI immediately, in writing, if further attempts to serve, serve by mail, or investigate are required.
OFFICIAL PROCESS SERVER TO
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NATIONAL ARBITRATION FORUM
MBNA AMERICA BANK, N.A.
PLAINTIFF /PE1TI10NER
CAUSE #: FA0411000372820
DECLARATION OF SERVICE OF:
ARBITRATION CLAIM
VS.
ROGER L DILLOW
DEFENDANf/RESPONDANf
HEARING DATE:
The undersi~ed hereby declares: That (s)he is now, and at all times herein mentioned, a citizen of the United States and over
the age of eighteen, not an officer of a plaintiff corporation, not a party to nor interested in the above entitled action, and is
competent to be a witness therein.
On the date and time of JANuM--'/ \8. ?-005 (cCD~~addressof '\CRlc.h\tU'lJ ll'\Af~
city of CA~ P l4 'LL , county of L\.)M €,€f(LAAP
state of PEN W S'/ LV AN I A , this declarant served the above described documents upon:
ROGER L DILLOW
~ Personal Service
by then and there personally delivering l true and correct copy(ies) thereof.
o Corporate Service
by then and there personallydelivering_ true and correct copy(ies) thereof, by then presenting to and leaving the
same with
Person Receiving Documents and Their Title
o Substituted/Residential Service
by then and there personally delivering _ true and correct copy(ies) thereof, by then presenting to and leaving the
same with
a person of suitable age and discretion who stated the above address to be the residence and usual place of abode of
tnernselves and the subject(s) and/ or subjects legal representative listed above.
No information was provided that indicates that the subjects served are members of the U.S. military.
CH~IS j"'. f'''-ElTA-S
Typed or Printed Name of Process Server
Dated -;FA N vA{<-'1 ~ ,20 0 ~ at
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city
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(206) 521-9000
TRACKING #: 3557150
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III
NATIONAL
ARBITRATION
FORUM@
March 29, 2005
Roger L Dillow
tIC Richland Ln Apt TIO
Camp Hill, PA 17011-2453
MBNA America Bank, N.A.
c/o W olpoff & Abramson, LLP
Paralegal Department
Attorneys in the Practice of Debt Collection
Two Irvington Centre
702 King Farm Blvd
Rockville, MD 20850
RE: MBNA America Bank, N.A. v Roger L Dillow
File Number: FA0411000372820
Claimant Reference Number: 0127930806
Dear Parties:
Enclosed and served upon you by United States Mail is a copy of the Award, which has been
entered in this matter.
This case is now closed with the National Arbitration Forum. All future inquiries regarding this
case should be directed to the opposing Party.
Sincerely,
~~
Laura Johnson
Case Coordinator
Enclosure
The Forum P.O Box 50191 Minneapolis USA 55405-0191 wwwaroilre/ion-forum,com 800.4742371 651.631,3700 FAX 651.631.0802
III
NATIONAL
ARBITRATION
FORUM ~
MBNA America Bank. N.A.
clo Wlopoff & Abramson, LLP
Two Irvington Centre
702 King Farm Blvd
RockviIle, MD 20850
CLAlMANT(s),
AWARD
RE: MBNA America Bank, N.A. v Roger L Dillow
File Number: FA0411000372820
Claimant File Number: 4264296999665414
Roger L Dillow
11 C Richland Ln Apt TI0
Camp Hill, PA 1701 J -2453
RESPONDENT(s).
The undersigned Arbitrator in this case FINDS:
1. That no known conflict of interest exists.
2. That on or before 11/25/2004 the Parties entered into an agreement providing that this matter shall be resolved
through binding arbitration in accordance with the Forum Code of Procedure.
3. That the Claimant has filed a Claim with the Forum and served it on the Respondent in accordance with Rule 6.
4. That the matter has proceeded in accord with the applicable Forum Code of Procedure.
5. The Parties have had the opportunity to present all evidence and information to the Arbitrator.
6. That the Arbitrator has reviewed all evidence and information submitted in this case.
7. That the information and evidence submitted supports the issuance of an Award as stated.
Thereforet the Arbitrator ISSUES:
An Award in favor of the Claimant, for a total amount of $6,361.12.
Entered in the State of Pennsylvania
~ dI~'
Ho rab] Jack M. Marden
Arbl or
ACKNOWLEDGEMENT AND CERTIFICATE
OF SERVICE
This.Award was dul~_~~reQ~~nd the Forum hereby
certIfies that a c9~ ~!!pi~aF<t was sent by first
class mail post~e prepaid to fix<. Pat{ies at the above
referenced aq~re~/ .' r~entatives, on
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Honol-able ltarold' aJin.... Ret.
Director
Date: 03/29/2005
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-05279 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MBNA AMERICA BANK NA
VS
DILLOW ROGER L
WILLIAM CLINE
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within PETITION
was served upon
DILLOW ROGER L
the
RESPONDANT
, at 1836:00 HOURS, on the 12th day of October , 2005
at 11C RICHLAND ROAD
APT T 10
CAMP HILL, PA 17011
by handing to
NANCY SPEAKER, GIRLFRIEND
a true and attested copy of PETITION
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
15.36
.00
10.00
.00
43.36
So Answers:
,('/ p<.-;'/
~~/ p-' . "iF' .-.:>" ~
"::fJ"~"~'''''''''''''''''';'~.(~ l' :...A~At'lJ
:;.r"'Z,'F " . - "
R. Thomas Kline
10/17/2005
WOLPOFF & ABRAMSON
Sworn and Subscribed to before
By:
~k~T4~
~ Deputy Sheriff
me this
day of
A.D.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
NO. OS - SJ.7r
CI~~CT~
vs.
CIVIL ACTION - LAW
ROGER L DILLOW,
Defendant
RULE
AND NOW, this It> - day of
..TI'I,.J" '" ''1'
, 2005, upon the
consideration of the foregoing Petition to Confirm Arbitration Award, it is ORDERED
that the parties to this action show cause, if any they have, why this Motion should not be
granted.
RULE RETURNABLE 2-0 days from the date ,of service hereof.
BY THE COURT:
A1-
Judge
:;',]
s;\) .,t~.\
<C,.,;-.....
,~,\y.j0
.------
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
.IAN 0 6 LUU5
M~
MBNA AMERICA BANK, NA
Plaintiff
NO. Oi;-SJ 7'1 6.uJ /~
vs.
CIVIL ACTION - LAW
ROGER L DILLOW,
Defendant
MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S
PETITION TO CONFIRM ARBITRATION A WARD
AND NOW, TO WIT, comes the PetitionerlPlaintiff, MBNA AMERICA BANK,
NA, by and through its attorneys and the law firm of Wolpoff & Abramson, LLP, and files the
following Memorandum of Law in Support of Petition to Confirm Arbitration A ward, and in
support thereof avers as follows:
1. STATEMENT OF FACTS:
Defendant(s), ROGER L DILLOW, , was/were issued an open end credit card account by
Plaintiff. Defendant(s) haslhave been at all relevant times material hereto a regular user(s) of
this credit card for the purchase of products, goods and/or for obtaining services. Defendant(s)
haslhave been provided with copies of the Statements of Account accurately showing all debits
and credits for transactions on the this credit card account; Defendant(s) never objected to the
above mentioned Statements of Account submitted by Plaintiff to Defendant(s) which detailed
the products and services purchased using this account.
In the event of a breach for nonpayment, pursuant to page 9 of the Credit Card
Agreement, the parties agreed that this matter would be referred to the National Arbitration
Forum (hereinafter NAF) to effectuate collection. This matter was referred to the NAF for
determination and disposition; the NAF entered an Arbitration Award against the Defendant(s) in
favor of the Plaintiff in the amount of Six Thousand Three Hundred Sixty-One Dollars and
Twelve Cents ($6,361.12).
II. ISSUE PRESENTED:
Whether, pursuant to 42 Pa.C.S. {l7313 of the Uniform Arbitration Act, should this
Honorable Court confirm the Arbitration Award entered by the (NAF) against the Defendant(s)
and in favor of the Plaintiff.
III. ARGUMENT:
Contracts containing clauses providing for settlement of disputes arising thereunder by
arbitration are valid, and irrevocable except on such grounds as exist at law or in equity for the
revocation of any contract. General State Authoritv. to Use of Dunzik. v. John McShain. Inc., 25
A.2d 572,573 (Pa. Super.1942); 42 Pa.C.S.A. S7303. When parties agree to arbitration in a
clear and unmistakable manner, Courts make every reasonable effort to favor such agreements.
Emmaus Municipal Authoritv v. Eltz, 204 A.2d 926, 927 (Pa. 1964).
The Federal Uniform Arbitration Act was drafted by the National Conference of
Commissioners on Uniform State Laws and was approved for use by the American Bar
Association in 1955. Pennsylvania codified the Uniform Arbitration Act (hereinafter UAA); 42
Pa.C.S.A. SS7301-7320 in 1982. The purpose of the UAA is to promote resolution of disputes in
a nonjudicial forum while still providing for the Court's role in compelling or staying Arbitration
proceedings when requested. Chester Upland School Dist. v. McLaughlin, 655 A.2d 621, (Pa.
Cmwlth. 1995), appeal granted 665 A.2d 471, 542 Pa. 637, affirmed 675 A.2d 121!.
Further, while a party can waive their right to arbitration, the question of the timeliness of
a demand for arbitration is not one of interpretation of the agreement and not one of the existence
of scope of the arbitration provision; it is thus outside the bounds of judicial review and its
resolution must be left to arbitration. Hi~hmark Inc. v. Hospital Service Association of
Northeastern Pennsvlvania, 785 A.2d 93 (Pa. Super.2001), reargument denied, appeal denied,
797 A.2d 914. Here, the account issued to Defendant by Plaintiff was governed by the
aforementioned card member agreement, which contained an Arbitration clause. By virtue of
Defendant's use and maintenance of the subject account, Defendant became bound by all terms
of the account, including the agreement to arbitrate.
The Federal Arbitration Act, which governs the aforementioned Arbitration proceeding
conducted by the NAF, does not require that an agreement to arbitrate be signed; See 9 D.S.C.,
Section 2; see also Bouriez v. Carnegie Mellon, 359 F.3d 292 (parties may be compelled to
arbitrate if common law principles of agency and contract support such an obligation and that a
person may be equitably estopped from challenging an agreement Ihat includes an arbitration
clause when that person embraces the agreement and directly benefits from it). By way of further
response, where the offered silently takes offered benefits, courts will often find an acceptance.
Further, this is especially true if prior dealings between the parties, or trade practices known to
both, create a commercially reasonable expectation by the offeror that silence represents an
acceptance, and in such a case, the offeree is under a duty to notify the offeror if she does not
intend to accept. A written agreement to subject any existing controversy to arbitration or a
provision in a written agreement to submit to arbitration any controversy thereafter arising
between the parties is valid, enforceable and irrevocable, save upon such grounds as exist in law
or in equity relating to the validity, enforceability or revocation of any contract. 42 Pa.C.S.A.
S 7303.
As outlined in Plaintiff's Petition, pursuant to the Credit Card Agreement Additional
Terms and Conditions, which Defendant received during the time period in which Plaintiff
issued Defendant the subject open end credit card account, the parties agreed that this matter was
be referred to the National Arbitration Forum for Arbitration in the event of any claim and/or
dispute arose if the account is referred to collection. By using the subject credit card to purchase
products and services, Defendant agreed to these terms.
--1
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK. N.A.
Plaintiff
NO. 05-5279
vs.
CIVIL ACTION - LAW
ROGER L. DILLOW
Defendant
PRAECIPE TO DISCONTINUE
To the Prothonotary:
Please mark the above-entitled case as discontinued without prejudice.
Respectfully Submitted,
c~
-
Amy F. Doyle #87062
Daniel F. Wolfson #20617
Philip C. Warholic #86341
.'.uJ~~YY ",-,. IJpl..ll;)TTol ,J,
David R. Galloway #87326
Tonilyn M. Chippie #87852
Sarah E. Ehasz #86469
Robert N. Pol as, Jr. #201259
Ronald M. Abramson #94266
Ronald S. Canter #94000
Bruce H. Cherkis #18837
WOLPOFF & ABRAMSON, LLP
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., 3'd Floor
Camp Hill, PA 17011
(717) 303-6700
127930806
LAW OFFICES
WOLPOFF & ABRAMSON, LL.P.
ArrORNEYS IN THE PRACTICE
OF DEBT COllECTION
4660 TRINDLE ROAD
THIRD FLOOR
CAMP Hill, PA 17011
717-303-6700
:..0,\
--
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