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Home My WebLink About94-01293 -r2 <J ,~ " . Jl ~ -:~ ",< 1.' , II) .~ 'ft , . c .- ~ :~ '~ " , y . ""0 c.l 11 o Jl '..7 'J :! ','j " ,Y~ -:J" 0- cr - J -..... LOYOLA FEDERAL SAVINGS BANI<, IN THE COURT OF COMMON PLEAS plaintiff . CUMBERLAND COUNTY, PENNSYLVANIA . . . v. . CIVIL ACTION - LAW . 'L I< & H FORD, INC. , . NO. Idtj3 (i <. ,eLL. : /tfCf If- . Defendant . . NOTICE TO DEFEND 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 attor- ney and filing in writing with the Court your defenses or objec- tions to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Administrator 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 McNEES, WALLACE & NURICK By ()" .LLc;JM ~~D.~ Attorney I.D. No. 62668 100 Pine Street P. O. Box 1166 Harrisburg, PA 17108-1166 (717) 232-8000 LOYOLA FEDERAL SAVINGS BANK, . IN THE COURT OF COMMON PLEAS . plaintiff . CUMBERLAND COUNTY, PENNSYLVANIA . . . v. . CIVIL ACTION - LAW . . . K , H FORD, INC., . NO. . Defendant . . COMPLAINT 1. plaintiff, Loyola Federal savings Bank formerly known as Loyola Federal Savings and Loan Association (hereinafter "Loyola"), is a financial institution registered to do business in pennsylvania, with its principal offices located at 1300 North Charles street, Baltimore, Maryland 21201. 2. Defendant, K , H Ford, Inc. (hereinafter "Dealer"), is a Pennsylvania Corporation with its place of business at Box 1177, 6320 Carlisle pike, Mechanicsburg, Pennsylvania 17055. 3. On or about September 23, 1988, John R. Ramoss and Denise L. Ramoss (hereinafter "Ramoss") executed a Retail Installment Sales Contract (hereinafter the "Sales contract") for the purchase of a 1988 Ford Bronco (hereinafter "Vehicle"), Identification No. 1FMCU14T2JUB87971, from Dealer. A true and correct copy of the Sales Contract is attached hereto and made a part hereof as Exhibit "A." 4. Pursuant to the terms of the Sales contract, Kamoss granted to Dealer "a security interest in the goods being purchased, any proceeds thereof and any accessories, equipment and replacement parts installed in the goods." 5. Thereafter, Dealer assigned all of it rights and obligations under the Sales Contract to Loyola Consumer Services, Inc., which in turn assigned its rights to Plaintiff. 6. In assigning the Sales Contract to Loyola Consumer Services, Inc., Dealer represented and warranted that "[Dealer] has complied with all laws and regulations applicable to the sale, and all disclosures required by law or regulation were properly made to the Buyer (and to guarantor(s) and co-signer(s), if any prior to Buyer signing the contract." 7. The Sales Contract sets forth "Seller warrants and represents: [a]ll necessary steps to perfect Loyola's security interest in the goods have been taken." 8. Defendant failed to perfect Loyola's security interest in the Vehicle by failing to list Loyola as the first priority lienholder on the Certificate of Title. 9. By correspondence dated May 23, 1989, the State of New York Department of Motor Vehicles Title Bureau advised Loyola's "name was not listed as lienholder on [their] records." A true and correct copy of the correspondence is attached hereto and made a part hereof as Exhibit "B". 10. On or about May 5, 1990, the Kamoss sold the Vehicle to Kearney Messa Ford in San Diego, California. 11. The Vehicle was then transferred to its current owners on June 28, 1990. - 2 - 12. Due to Defendant's failure to perfeot Loyola's seourity interest in the Vehiole, the Vehicle has been sold without the Kamass obliqation beinq satisfied. 13. As a direct and proximate result of the Dealers wronq- ful conduct, Plaintiff has been qrievously damaqed and injured. 14. Dealer breached its representations and warranties to Plaintiff. WHEREFORE, Loyola demands judgment aqainst K & H Ford, Inc. in the sum of Eleven Thousand Five Hundred Four Dollars and Fourteen Cents ($11,504.14), plus interest, costs of suit, and attorneys' fees. McNEES, WALLACE & NURICK By _~f\U:k \)~ W-- Brett D. Davis Attorney 1.0. No. 62668 100 pine street P. o. Box 1166 Harrisburq, PA 1710B-1166 (717) 232-8000 Attorneys for Loyola Federal Savinqs Bank - 3 - VERIFICATION subject to the penalties of 18 Pa. C.S. 54904 relating to unsworn falsification to authorities, I hereby certify that I am Joyce Traynham of Loyola Federal savings Bank, and am authorized to verify this Complaint on its behalf, and further, that the facts set forth in the foregoing Complaint are true and correct to the best of my information and belief. ,~ Exhibit "A" A~ym,~ CONSUMER SERVICES,mf / RETAIL INSTALLMENT SALE CONTHACT ('" 0'11" Numbe, Conlrlcl Numbel BUYlr Il'd Co.BUYlr) Nlm. ""d Add,ISS (Includ. Counly and ZIP Code, JJ\YSa' R. IJ\::cGS ND Df-Nm:-: L. !:'\:iOr.D GP.I''ER.\L [)!::L1'J::~;: PIJ.T1'SBUF'GH , 1;Y 12903 Seller lDeller's Name and Address) 1: ~l :.~ FC~ti), I:X:. ::0:: 1177, GJ20 CAI1!,ISU; pn:.s : ;,QIANICS1Ui'G, p;, 17G;j~ In this contract. the word. "I", "me". "my" and "mine" refer to the Buyer and Co,Buyer. The words "you" and "your" relor to the Seller and. alter assignment of thIS contract. '0 Loyola Con.umer Servic... Incorporated, "Goods" reforl to the vehicl.. velS.1 or othor item to be purcha..d under this contract. I mly buy Ih. good' dISc robed below 101 ClSh 01 on credol The cash proce " .nown below as "Cash Prlc.... The credil procelS shown below IS "TOIII Slle Proc.." By sognlng Inos conlracl. I cnoose 10 buy Ih. goods on credll undor Ihe lerms on Ihe ',onl and blCk of Ihil conlrect. I will PlY you, in Iddlllon 10 Iny downpaymenl or lrade.on. Ihe Unplid Balance 01 Cash Price plus my Olh.r Chlrges Ind a Fonlnce Charge" lhe Annuli Parcenlage Aile .hown below I.ccrulng dally, beginning on Ine dlle I sign IhlS Conltlcll on Ihe Unpaod Bllance 01 Ca.h Price Ind lhe Olhor Charges whoch r.mlln unplld. I will PlY you Ihll. amou"IS on monlnly Inllallmenls as Icheduled below. Delcrlpllon of Goodl. I agree 10 buy Ind Ihe Sellor ag,elS 10 selllhe lollowlng goods: New 0' Used V.ar Make and Model Style Idenlillcalion No. Use lor WhiCh Pu,cnased 3l(porsonal :J bu.ln'lI :J Igrlcultural :J l:EH FeIID "'urn II 1FI.tOJ1.1'i2JL"OO7971 Ju 31 FEDERAL TRUTH,IN.LENDING DISCLOSURES ANNUAL PERCENTAGE RATE The cOil 01 my cr.dlt as I yearly rale, FINANCE CHARGE The dollar amount Ih. credll will co. I me, Amounl Fln.hc.d The amount of credit provided 10 me or on my b.hllf. Tot.1 01 P.yin.hl. Th. amounll will have paid alter I hay. made all pay, menlS IIlCheduled, Totll 5<11. Prlc. Tne 10111 co.t 01 my purChase on credit, Including my d_YIllIOI 01 . '::::UIJU.vU II I 20112.20 14.50"" I 5318.20 s 12794.0(1 s lC112.20 My P.ym.nt Schedul. Will B.: Numbor of Plyments Amount 0' Payments When Plym.nlS Are Due Monthly. BIIlI"nlng 88 L.tl Chll... If I oayment Is more thin 10 dlVllate. I will pay 111,e charge 012% 01 the lite payment lor each month It remlin. unpaid, Proplym.nl.lI I pay 011 earlv.1 will nol h.velo pay a penally and' WIll nol be enlllled to a relund 01 pa,1 ollhe linance charge. Filing F.... I :VA Security Interl.t. I am \lIYlng a security Interest In the gOOds being pur. chased Addlllanallnlorm.llon. See the other Side of thiS contract for more In. lormatlon Including In'ormatlon about nonpayment defaull. any re. Qulted rppayment In full before Ihe Scheduled dale. prepayment le'u"as and securlly Inleresl ITEMIZATION OF AMOUNT FINANCED 1 Cllh Prlc.Cohslsllng of IAI ClSh Price 01 Good. Sold (B) Separoll Chargll,lIanv. 10' Dellvery.lnltlllotlon, Aepalr or Olher Services I 14750.00 I 34.00~ !VA 2ToIII Do.,npayment.. Nit Trade,ln I Vour Trod.ln II I . VII' 3 Unp.ld Blllnce of Ca,h Price (1 mlnul 2) 4 Other Chorgll Including Amounls Paid 10 Olhers on My Behall: . A CoI' 01 Opllonll Mechanlcll Aepllr Ih.urance PlOd 10 tne .nlurance Company Named Below. Covering Celllln Mechanical AepII,s I .. B Co,t 01 Opllonl' Credillnlurance for Ine Ter'P.AllhlS Conlracl Paid 10 Ine In.urance Comp.!9Y or Compan'", Named Below, LIlel 1;1' i\ Dillbihly. Accidenland Hllllh I ,1/ A I .. C Off/clll Fees Paid 10 Governmenl Agencies I o To.. Not Included In Cllh Prlc. I E Governmenl Llc.nle Indlor Aeglslrallon FelS (lIemlze) I/~ ~:.~ + Cllh Downpaymenl I 2000.00 I 2000.00 I 12784.00 (2) I3l Make Model !VA WA WP. WA 1D.CO WA 1'/;\ L./r, F Governmlnt Cellllicote 01 Tille Fees Q Other Charges (S.lIer musl Idenllfv who will receive paymenl Ind describe purposel I.. ~ I I I '..~f I -. ~"'-:.., .... .1 . ,. .., ' .' '.... . .., . t t-.. .' t.... ...., ' .' ,. ,.' 'C~; .... .'.,.. " t~..;l~;~;' .~l.~ ~~'t"~"~;;Q~:~y~f,lftnt to' ,., ~hiti;.~~y~.;'~ t'io~;~'i~_':t.:~~~,.~~ 1'11,~~~.:Jt{Mi~J~."''iNl~,1~~ : mav'lnlf'f mV '" )(Il~rty. or the .:",p~rIY t' ,.,,.\' J..: ,tol,.d, la.....' 0' the ""Ie i" w~ '. the nUICtllI18 and Io1le of the good& took to long as it I~ .! "~ rlf ,lel"ully. If ;h,',... ". ...., pf'f'~' _J' pr~rofl'~V ol:u:e, in Qt on ,U;, ..vu~b. .ur.h JS C~Ul~l:nQ, ',0'.. rn"" ):lJre it 101 :"'IW '...::1' .'.,: . ,'~\ilj"mlt"t by S~II,r, n.... S..,:" m.tv 1I11un this centriC\. -If Ifll' risle 01 JI U.Hn,. ," '1 V(Jllr '\.1", An " .lrr:J>~11"1' ,I'. "':'lfllnh,'flt Cr'lO'Jct IS 3uil]ned, trlt! Selle, r.l.)t r'r:el~. portion of the Finaner 0; ":,II"'1.:11,,:nl Pllrts ....111 rtt01Jln with tho '.oud,. Il. /,t;lr~" .,rl' (' ,I jt; '.r ANY HOLDER OF TIllS CONSUMER Cm,HlACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSHl'I ;\G,\INST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HEnETO on WIIH THE PROCEEDS HEnEOF. RECOVERY HEREUNDER BY 1I1E DEBTOR S,HALL NOT EXCEED AMOUNTS PAIl) BY THE DEBTOR HEREUNDER. . The lollowlng p,ovision "applicable unly ., IlllI CMI'.lCI isla, I~n sala 01 u\ed uhfcl.. TIlE INFORMATION YOU SEE ON THE WINDOW FORM FOR TillS VrltlCLE IS rART OF TltlS CONTRACT. INFORMATION ON 'ritE WINDOW FORM OVERRIDES ANY CONTRARY PROVISIONS IN THE CONTRACT OF SALE, .. NOTICE OF PROPOSED CREDIT INSURANCE.' ~ .,'0" ,'11" he,eby 9.'.'n nOIIC" thaI g'oup c,edit ;mUlanco cave,ag. will b. app:'. cabl. 10 IhlS canl,aCI ,f .,' ',n.L.,,1 o~ Ihe Imn, ~I lh', COll"JCI '"~ ..ch IllCh type al co'e'agewll~wrillenby IhltlnlUri1\ce company .. ,'" ,'!, Th's tnsu' JIlCf', sl;b".,;, 'f) 'I;&:ttpt,nce tJ, ',6. r j,j:cr. coven only th~ penon sigmng thlJ lecut:Sl for.uuutlh'ce, TtwireDunt of char go 1\ ,'''III:Jted tor ,- it,ll 1/P~ " ...~,' "'~ura"Ce ~<) I)f. O'lf";ds~d, Thll! term of imlJr.nce will corn"'''n~e.as of the data che j~bt~nos.s IS In. curred and ,"1i "AjJUO DI1 ;0:', ,1:1' " ld,.duld :OJ:e,,:, . "\'.'). 1M JndcQledQ~h. SlJh)ect ta a~epl.n.C.e ~V Ihc.ins~!c' and,yvl\hhlilO days. J r.r.' f .,J!.! ~f ,"~Ulance lh.." .'.)t ~ ful!'( ut:scr :1);1'''' I t'~ Co,. t.. t:i'! will be rjp.livered ~n ~ r'.,~ Insured. In lhp. even.t of prepayment 0'. this cun, '. !," .I lUl!llllUln ,..funu ,'I,l: .'. :""'.,: "tll-:rt! i.h..~, i -' ". , . ,. .t II"'" .: SEUER'S ASSIGNMENT . ,'CONTRACT ASSIONED YlITH liMITED RECOURSE ..,.,., 'I . S. '" ,.'. H"~ ,',."; <;' l.iC,',"SU",",S",vlCftt.ll\C.ftf'\"',.:lIlf\',U:'" . '0" , II" 1,"1' .1"'0 .n', ", t .......... Tlh~ II' :':~d S.~I .,f .\""1"\ 'hi\ :'.J!":tract with t1mlll'd ''''':ount. In In. S~I1~r IN'arrttnl\ JIlO ft.ur'. .. Tne contract ,AI:"" frQ!"t. .... ,Ij't..~ ailion !.) ~,,~ 'ortl.i,,).n.; 'JUJrJnte.!'S. indemnltitt and obhg3!lons,'SelI., tM goods df!1crl~ in the conlract: t2J Seller hid Iltlt! If) tn. 9QOdi It W1COndition.l1y IJI....tl~:'!OI ,bat if Buv" dlfaulti.lnw..peyment of any Ihe tim, 01 IOllp. fr@.! of in., nen': '3 'S~tijllr ~al complifld ""''',lllaw5 dnd Ifllullmlnt Ufld<:r ,.,i\ eontrle'f. ~..r:", wlll'ply. upOn demand by Loyol., '"gulatlo!,,~ appllcabll, .w Jhe .HIt, an.' III ainlf)'l.rW' rIfQ\.Iir~o. b~ IJf'I 0' the u,~~JS.~~ai.~ ~e,l~J~:~~m 'Jf.5 " ;~"'_' rfc:nJ'.tlon ".'!'~ pro"""'v mad~ "f) '''P. Buyer (a!1d !;) gulrl"to,h, J".j :1). ~... .". . .:1....,1... if any) prior "") Bu~" ;,;,' ; :t':h cc....rlcL (4. PI.<..' .'.;-0 .:j'/~" .. ". ., rloJ' ~tol:~,. a tOMpl!!h!rt 1nrt t.: ,.,. ~"I'Ctl'''fl ':I'!," of 1,.... .:.:....,~' -. . i..~"... . . .~ .;.-. '. .....'n l"'!' .", ....1 8u'1,r "..i!!1:'" ..... ...... ,....;'....!rj bf t:)fw ''3-' To tM t:.' . ." '''o' ." ..!' ; ", ....,Iedl:'!. ~l'\'1 c...,. ; .".ulicauon.' ......'e. \ 'l't,.cnr.d, "!O:C~f;jt.. .', ~ .;'...."Ol,..,..n' ! b. S<elle, '. oJlli':tly 31 \fa'''''! .'.al Tnt! U)fllnet in ItnIO'~Jt:I~1 '91 j.... ll~tIW.,. 1oI~r;' :. t'> pl.,f,,:. ~..:....; Ii'eurit" tnlCh!\1 .n fI'''jiJt;,:\ '!....>: .....:. u""n. I,Ot Sell~, ,: ~':-.rs.'! ,11 t"!"1'Jh'lU7bvT'lw. Ea~h, at .lhL'~' warr,,;"'"'' .,,'1 r":r~',,, . .'. "". ',,>.rrl.JhH,al:. _ . .. ~ ac;t'., !8ne" at this con'r,l'~' II Jll\ uf '~~;" IS brrached or ,S cfl. '~'':.. ::.. """J"di:ll)-,I!, n,.;Mt,~ to .ICt.:-.(.t rtJ.SSI'lltIT'l'ir.' ul f:-,~ :.. r:.... 1.')"'.)1.1, .u," :.....J~". t.,~ IJI' .t""lr:I." -, "'ot un~;.uJ :.'", :'. ..,.' Sltll~r IQt"' to In':,\,,'. . ',~'I _ ....1 "..if '.'''1' 1(.;1.,.... . ....,,,, i"e"'~"" alto,n"." :',:, ..1'1.': .....It ...,\:' ';1:..1, ......l,)". I."'~tt,-fl,.';',"' .(.. I....'... .,:;.".... ,..~...,.."i'''...l,hOla . '. j."'. J .';".111 "'loff, IOU Ot cuma,;~' l..i~"'lc~:;~ 1....~,1 ..' \ ';'.1.!Tl or >j~h.,.,"':)t chl/'!r ':"..,..... S :l~' H'" ::"\lract II "n:I'~" ~ ::'. c..~.. ~.~.. S"lIer '-',JII Ply LO\QI.J :...., . .!' 1:' '",.' V;:'f ';J P'~'~" I ,':IUIl! il 5 .~t \' ,..... -v,,, " I ,~'j ..' . ': ""'J. ,,.!td'l1,,nl ", Ylriu(ion .:01 "'.. ,~. . "~ ~~"'raC:l t~I",:n , .... 3l.1..... S~tl'ir \"" "i:-! -=' 1:- ':"Cl'}"':- .. (t." . ....,.. ; .::' ,., ~"''''~ CO"TR~~7 .'S~'O"" :IITH P',r.OURSE '"r'. :.crt!tllt: ~. I ".:,~, ... j'.' -,!.,. " ::)'1 r1.....,l"C l'f . ...,. ';t."t J.' ~nu ...1 ... : .10".....'.., :":~'~".i ~. ~fault j., 0"""''''"1 r.t anY' Inn.limenl, eat .:: .j: Jlntlr"'I~" .a"...:, , .,.,!, f.."". ::0' 'oo,. 1:1"'.'., '.':'Vf'll, R"PfYI" A~I."''r''''': ;:,:.;,- c,' .l't:r:'" ~" V' ,'.. ~ "rn'?rship' - ".~1 CONTRACT ASSIGI.iO ,';ITHOUT i<<~OURSE . ~,. ) ~ .' . . .,. o "':.)I;','):,i" \ r: ~~'l) ;'1i 6/; ',: 'r " !. ~.... Jc.." . ~ It' . I ," lit Co,poratlon 0' Pallnallhip)' 'itJtIe\~ I I ',' .. . ~ IfJ ~.,t, ~I: , r.ONTRACT ASSIGNED WITH FULL REPURCHASE ,.~. ;. ..~.. undenign"d I: ., mia", tfl,s t:;<1tnct ~ith fu!i ":~l"l:h.u". I... ",.J. rd:)f"I .10 tt"~ '~. ".:.n.; g~ar3ntt.., indi!mnitin and ohll~t,o."J 5.,1'", IJnconr:li1lo"1CIII~' ~'..a'.nt"e' 't'la' i! :. h':'" tl!POI&'UIS or re(:ovvn 1'\" ll'JoJ':l S..... '1"," ""'.,.. ~-""""r1 :)""C'n... the qaOda'trom'~Oyot~."d Pi)' ''':.i LU'IO'd tl.....I..r ::'1. u.,O.1id ba'lnee Ofl tl1l..,eO"'trect and.n 'OIMS 'fie "'Ilfln..s,~' ..'-to! e.,.. C:'.1 ., . . .... Sel'" q.,. ;"I., ~ "':t!!-'o ., T .''!' CO~TR~CT ASSIGrlEO \'IIT', . TE 0 .;t: .URCHASE -:'" t;:'1I-rtiln,a $'1111" nne,. . :':""llC. ~tf1 ,.hrnu"dr: .~'I?f/~~I., In I ." ,.. !"'" ~C,.. :,;". i :;.1.11....::'5. . .l,.'rnl:iul Jnd o\)hgatlbii,. Se !~, \lnCC',':'1Icnally QUl'.:....!..-1 :~..\t j~ L:"cl.J '1::.:C\1..~les Dr rlCOVlt'l t..... ~p~";; i prior tQ thl:' pay.....'..,' ... :. ..' inlt.lI~.ntl "1C"['::Iul~o;;. I S.,.:~~- /III' pytC"'-Jj,! tn" -;,: .:. I,,~ L'JVo1a 'r'ld I'3V 'tD~O'. t"""":" ! :!'. .....:;..,..J '1.':.lir:M .~, :.....,.. l!"d e" Ion," olnd ~ll;ooo!'n" ,n':utfo:,: i I --i ';fll:'~r ,. .,.; Bv:_.. :~ CJrr':.' :',. 'J. Partnershlpl ,Tillel .'. , . ...L.,,'.C ~ ~ TOIII Olhl' Chl,ges Ind Amounll Plld 10 Olhl.. on My Behall . r-- IAmounl Financed IP,lnclpll Bllanc. Owed) (3 + .1 {I Flnanc. Cha,g. Itlm. I, 7 and I "'. cIlculalld Issumlng I 7 TOla' 01 Paymenls (Tim. ealanc.) 15 + 6) mlk. III plym.nla on . paym.nl ~h.dul.: on. Inslallmenl 01 I .:>1) l... I Ihe dal.. and In Ih. .:lUJ. .\: I c.,"X"';/" 30 amounle ach.dul.d. I each. monlhly. beginning -0 -. on the dltesshown In the payment schedule. : '. 'I...., CD'" .'r- ~ _. ... 'I'V/. l/I' .:. 'r:: s s .-.tOt'. ,. 1.1.rn I.) (51 III m s S J...:/....J .\,~ S .J.Jl.O..(U I 1",11::!.2C and :::~ Instillment' or .19 eC,andd... Inlurence. II any Inlu,anc. I, checked below. Ihe pollcl.s 0' certlllcllIslssued by the Companl.. named will describe tha terml and condltlonl. .Optlonal Mechenlcal R'llls..!nlurance, The COli 01 this Insurance Is shown In 41'. 01 \he itemization above. Inlu,anca Company , .;:. Term: o S25 Deductible 0 150 Deductlbl. 03: :'/i, Otductlbl. . "Optlonel C,edltlnlu,.nc.. C,.dllllle Insu,anc. .nd c,edlt disability Insu,anc. ara not ,.qul'ed 10 obtain c,1ll1t and will not be p,ovlded unle.. I algn '0' Ih.m and ag,.e to pay the additional COli, III want this Insu,anc.1 will Ch.ck Ih. Insurance dell,llland algn below, III have choa.n thlalnsu,anc., Ihe cost lashown In 4B 01 theltemlution abOva. Check the Inlu,.nce d..l,ed: U LllelBuyer 0 eo.Buyer 0 Bolh 0) o Olsablllly. Accld.nt and H.alth lBuye, Only) (Name 0' Insu,.,) (Home Olllc. Add'...) Und., polley 01 d.elgnal.d Ineu,." maximum amounl 0' Insu,anc. under this cont,actl, S and the amounl 01 Insurance unde, Ihll and any olhe, Installm.nl conl,act 01 Ih. Buy.' und., Sell.,'s g'oup polley, Is limited 10 S Buy., Signatu,. Oil. Co,Buy., Slgnatu,. PhYllcal d.mag. Inau'lncI covering both ou, Inl.,..11 allo la raqul,.d, but II not I..llabl. th'OUGh you. 01" NO LIABILITY INSURANCE INCLUDED. This coyerage is not available through you, I ag,e. to the te,ms and conditions sel lo"h on both sides 01 this Ag,eement and Icknowledge that Ihls conlract 10' sale is contin!lOnt upon Loyola Consume, Se,vices, Inc:s acceptance 01 the c,edit te,ms in Ihls contracl, which le,ms are satlslaClo,y to you and to me. NOTICE TO BUYER Do not sign this contract in blank. You are entitled to an exact copy of the contract you sign. ~p it to protect your rights. . -!ffi 21~cs ~l_se- L lUw-o~ Buyer Signs Co.Buyer 511;"5 Date. ~8P'.i'~iD~~ L], 153-3 Buyer acknowledges receipt of a completed copy of this contract at the time of signing. ~~;e..~ ~LL-lt~~ Co.Buye,. and Olher Owners - ,. ,:o.bu;jer .~ a p-:rson ...h., I') 'es;:;""s.Clc ft.' pa~lng !he enllfe debt An other owner" IS a person whose name 15 on the tlfle to the gooa~ but .".ho dOCS not have Ie pay the ON;' B., s.~n.ng C~IO,^ :ne other o.,..no, granlS you a secur.ty ,"Ie.e~lln the goods; thiS 'hIli pe-",.! vo!" to re~C~!I'!\S the tjood~ If lhe Buyer l.JfllJ Co-Bu)'e' If ani' l1ela.~jIS a~ descllbed on 'f1e bac.. 0' Inls conuacl Olher owner signs here Address This conlract is he,eby aceepled by Selle, and assigned to Loyola Consume, Services. Inc,. which assignment will be elfective when ,eceived by the Co'poration al its offices at219 East Main St,eet, Mechanicsbu'g, Pennsylvania 17055. NOTICE: SEE OTHER SIDE Seller Ht ;.: PCPD, m:. BV;\.~ BLUE, O,iginal Allociation Copy LFC51,15.073.PA liS? YELLOW: oeale,'s Copy PINK: Buyer's Copy BLUE: Allocia1ion File Copy , ~. ~h_" - -- ... ..-..,....---. - I"l': L': .e.'..... .I'..S.....L': E'...'. C" 'O"p.' ';V.,~ I. . ,..' I I I ',' I.' ' . I I' . I . I I I . 'I' .'. .. ',' " I I I ,", I , ,'. I. ." I,' ' . ... ,'.. ". . e '" Ie. I. . . I ., '.. . '.:'. . . ::. . . :.:.. . :..' . . .'.:,. . . ". . . :':,. . :. .... . '. .' ~.. . : ILLEGIBLE COpy p ILLEGIBLE COpy I"L': L': E..... . .I'..S.'..L': E..... C'" 'O'P" .'. ., . . . . I..'. I, . Ie".. I .,' I.' . '" ' .. '. . I I I . I' I . . . 'I . . . . .'. ". . , ,'.1.. .'. I . I ',".. '.. . '. . I. . ,',I ' . .' 1,1 .:. .' . I . . 'I ' . II' . . I . I , . '. . . ,.. . I . .:. .. . .'. ..' . .... . . .. .... . .. y ;/ ,.- - .. ~ ,.~,.., . ~,. - ,(' - ...........-.- .-- OTHER IMPORTANT AGREEMENTS ....ym.nt 'Sdh'r1I.I.. I 01" ., .1"1.',l' (.onu..,-t 5.n,-.' ,..; ;':,1",,' ",.,d', ,~ ~ I, .". 'r',~ .'..... \c:ht'I~' ,;,..t ~. : "~I Ii..:, ".,1)...'....1., U,I:I1"' ',: ~f..h...h..,~ 1)1: .. '(""f' '1-.,,'.,... .:. .', " I I'... "', I.. ",: ~ oJ, '''el, \ \\ ., '" ""', I. ;'~vment ,'_ ,., tn.. ' I., ! II ~rllS r",hl '~t.J' It JOy t f"l'" OwneBhlp ..."d It ,:,. "f l/]\, I lfJr'!" If) I.', ',', ., f>i" ,:,.1.. thi~ C.JI...~(:t . 't'., ~"I)J~ J -. ,,:,'d ,I'l.trll, 'Jr m I' I agree nof" to Vol' "I Irol,,~fl!r PO;~';~' lj'. of tht: ~o(",'h ')f '...,. thl! !loofts f,orn :1,., l'JU~ 0' .~".. ,,:~;d"'l(:~. oJ1o in,lir..Jfl'rt '.,,' at Ihl\ f'.',r'r'll.t tn!f'lI" '~:t., :~mp'j J.ij'/' .. .....,:" .,fIU' perm'~j';l~ !J91(:~"(~" "'JV~'''j~~;IJOd50rOmISU\,!(jrC(Jn! d.: I Will Indke SlIra vou. ~1~rLo'ltv ,r'" '.' fli~~' 0'1 ~hp. t)l')I]rh .\ ..r"",, on !h~ tI!le. I' IfI'l 01" ani r.aj\o1" ~'II", \to'd'.}P' r."~ '1"'" . n' Otn,!r charges orl tr.,. r";"'os. I il~I':-l! to repay thl! Jrr:('I:~~t '.'~.'I'I' '/')11 d~~ tor it Security Inte,f:H. I gr,:,r~ , ..... .' '.' '.' I> ~"";' :',.: ."; purcha\p.rl, ,Jr""/ nr'lc~ed~ '. '" ."f J'd ,": ,-'."(.-" ..\, ':'1'. 1'(" ' and :1.o,.jc.;lr,.'nt ('.In, .r .:.,...'" ,rl: .1..,,:1; 1, ~ "., " ~. iI:~o cv",~rs (1) Iml;J~a"iCt.; c:tmlUml d'IU ":.:1 '.ft.:. ~:;.~ ..:. ::'0 C,):"':'~:::4 'f~urned to you 121 p'oceeds. of any In\Ur..f'C" :.. .:', rJr ~';'" c.. kontracu'on :111: '.iOI.;, '1"'d(3)'~rQt':f.:(J\ o~ ,\,"i,':Cf w,l r"~' Iof' my life or health \"t'l,r.r-, Jrf? frnJnr.;"d In thiS cont'act, Tr '..r;'~i ~.':1'I"."r"'.. of 31t ..fT'i..::.... . ':.',t'I 0:'" t"~. ~fJntr.1I.:t at'\d 'n'aro't lransf~r :, .;,..,"):1)' ., '1t ,to !,. . - I ""f' otnf:r j1H:~fT\. . . Required Insuranc'.:.'. I .~') mjrr.I1ao;I"ltJ'al I'"~ .. i I'.!I.':::. ~ th.'Jt n'r::,,.t:t~ ~:!; m, ,("U.".::,.' ~;d /\,.Iu' ;". -r"j':~ will pu'Ci"iJ:._ ;'. . 'H','~' ..>: ,~ 1;" Jmounh ~r'; 'w . ,l..;l 1:1)....:.;: ,'.. .J$'O'J reawn...bly req...,:... If i' r-'" fHTlu d.... ". 'j tc hum of thls .CO'llflCt I (!,:, '.,'t have the ~t'll. r'~o ,n,uranc~ you 1"."/ b'li ....4... itlsura:'lce for m~, You arc U"C'l:' r.,:, ~h'~'.'~"": .0 !)'J'/ 1"'J !.... ..;-....(.'... ~tJt l""",l J l' 'U iif'you rt~slr~ " ...... " :~....~ .~,~'.J.l~\, ''leu "~ll: .... rT':1~ ~ ""),... \-Jhu: t,;" ' 'j ~:..: :;~" ~"ar91! I 'T1u~. n.vl' Th-: '=~ ..'::'~ \'W11l -can't,;! fJf 'h,; ',1 ..; ""-1' 1nr.t:, and d I"'''''l:~ C"lff';~, .11 'he ~ ::;to.:\t.1.il\',+,: ,,'IJnVll;' " I J:Jro:,~ ~o pa'l '~.' :~ ~f;~ ... ': ,ns:Q"rr'~r"\U alrJr-:-: '.~.~ ,..,.,:~:~ ;~C'..," "" ~I"".. ;.olymem ~:r dul~ If ":~: ,'..,.,,15 1f' "'.,t '':11 ~,,"',,'>" '" It VQll tr.. tnSU'8f'1C'" ";. "'I;'l":'~ ,;.~..,; .,; '~~Jal( ~" '. . .!. .,~ '.' '~'!~.'I'" dt'~~, Option,,: 1,',urancl; ::.r So}r-.;ce Contracts. Th's ".'J"" _0,,' "<J, :clM ChJr'Y.'. ~r~- ... r,,,a! ir.\ur.:"':~'_ ':. S~''',.j.o j""nrg If ')oods an: r'~W)5~,f~'.-:':, I dgree t}1at you n"3V r:i:t.".. :1':""-;. '11"' ! ''''~lf''t!tntrac!! ,"11 '-:'minlt~ H'u'Im to nhril'''' r." I",ds for une..,)- cd charqp.s Insurancl: or S':'I...'C'J CONraC" ~~ q~fur.tfr..! ~~ Y'JU. t~ J...'.. char(.!e for '&lJU"~IJ "',:'!~ .. \ ',;,tUI'.I.~ ~I) you, II mily be cre" ~ tr. .,:1 my accour,t Of .i~":'! ,..) :"1'/ \imilar Iniurance or H'~ll',1~"": whll~n eov~r, onlv vou' ,"t'=:'.;~: IIi thl: '';f:hIC~l.', 4"'( refum: '__. or.tlorai IO\Uran.;,. ,.r ~... ~I~ contracts on'",; '.. I .. vOU Will ')0" crt;di,~d to mV BCCH\," Tl~,~...: ,':~bdits will reduc+' Illy ha'<Ju",r. owed llut ,", '1 not t'l" con\ldereu I-JLJ,;' I .Jr"\'1 'n,!ailm'!nts due. I WIll be notified ,~..,.' oJ! ':. rlor.~. Required Repayment In F"lI a-fore the Sc:h~du'ea Date. Ii I ,,,ij to f'.J.' Jr'( pavmfo!nt .tCC,jroJ.:",L; :0 thl. , . ~'-"~ \ch..(h.l" ;" ;1 I br(:il;. an.,' uf th~ ~~~e~"'-;,~n 1- ~f'\;~ ~(,.r.~' .I':: olo:fd'''~'. " mol,. dfl"r.a ,~1 t....! Illay alii OWi; {J:l :h;\ cantrlet at or.t" RI~pOHI!nion of :1. GOCd~ for f-oIllure to P .I', l~: I J , :::. ro:". cordIng to thE: IJoJ/ment schedule or. If I or"J'" d"Y vf th.: <lj'_ ments in this COf'''3C~ default' \''}u may take, the 9Qods fr.,m .......~. To....t.alc.. the oood, vou moi,. '(.I~ujr~ mjlo to-bri~Q ,ho1 ~OCtjS ......_'.' ,..- ..-",'- ;, .. ,'......, \ ", ...,... .-. ,; .;. J " .~r''''''.,'. . . .,' ,,.1'1 4t, " "'. , " I 'J'~~d- i~r;:l'll'~ ",' \,.f,r. ~ "I"~r.~ 'Iou t>.". ~':C'.lr .., 1"1':'1,', ,I..l, 1 l't Itlk., .ny \ur.r. .I..t', ..It,' rl.'tu,., It ',"" :;;, ". :."'m sol'J l' I 'J.I ~':.I CI",tl1l .'i;th:!\ 60 f;,.,~ 'Jt ".'P""."". 'J" ,I 1h~ IJtI"lh .ny tl~n(.J'I.1 p'op+:rty Wtl,".'. ,. ,')'; .'.1' ,;'" ff"! to~('1\ \VerI when ,,,t,'_,'. !, ,','j rl.., :1, ."....' ,. ~I.lty o1nlJ ,Jj,:lI', th~ ploe'."'''i ,'..', 1"";'1'" ~ .... '.,'-, ,~.\ ~ . l~~ '..I:'~ .J' Ihlf nepolSened Ooods '(I') J Villi \.:nd to me, by ref)lstl.ft!d .. ~.:,' ,..lll1eul, iI ~I;t:u "''':,1" 'lllllhtdtttl...y ..f1er you have ,..".". ,JI..I :",.~ ..jvnfji, I mav ~ .~~~~f" ,~': 'Jood' iT .."~. time UP to, 15 dd. a'l~f ,'.'. mu,j ttWi nullet: :., f'd'l.n~J tht: fl)"11 unpaid prfncin.!' 1"i(;\lnT, ..Ii I'a, nl!Ct LndllCU cl'41lges, III other sums duo on thIS r:Ol' tract. 1.1'" chirp., .,nd. If I wtlS'lfl:dufdl.lll for mor.. Ill," ~1& ndY\ wrt:n you tOfJk. f~J)..,'~luon ol.fhe gqoc:b. your Ictual'and rp.asor.:JDI,! c..:':; of ro:'u~.ng, ri'U",lInq and storlnlj thf~ goodl. ri, If , do not ''"!~l~'~'" '; ': '.loads. YOu ITIIJI. 'n lcc:,rd.Ulcc \."..t-, ill'.. ..'1 t....! rj(.""~ I' .J'I1;: c O' n".'J~': :.:'" 1')1 lolll'vPOio~ to k~':p Int: youth I. I'.,ii ~,,'~~,,'::"Jn ',jf '''', Lhr:qatlon$ U""J~I thIS con. . !r6ct. In thll! IV4nt of \3Ie. you ",",I! 4'\t m,!, 15 (lJv,-reaSOtfablc n')tl~ of '"P tlrrp. 3~'1 ~!~r.l? ..,~ sal~. '(au w,l: ...j.I~:.f the p'':\ct:<:ds "I ~dl" flru .to "Qu' e.llJr:"\~\ In sellineJ the goods, then to YOUl '. 'J' '..,ak'ng. ."oal.'ng and storing thelgoods (il this contract . I~ !"l (li~I'I.,:f "JI mQr~ tt-a" 15 rjJ'/\ prior to '~po$1ieS'lonl. then ,~..I '='J' .o:t '(." COUI, including COur' t:1SU ant1 '(Our re~sona~.;::.. "'1:(;ln~V$' f~,:~ .,' t5'l~"or"the Jm,~'." :Ju... 1h'.:M to lat'} cha;g~, , " 'I) !hC 'jj'.I'. ,; j,' '~ rh." ''''Je'c!m t"~ .:..... .,. ,.. .1""'1 t.,..,. ~Ir .c\ 15 ~a'/~ J'!Jl!r XOIJ -'. , ..~tiCi,gf lep.... ~~, ,-,n .md ift IIllt liltl li9ll,~.(qre you 11:,1 fJl conU":klQ sell :'1t: Vt;n.cll). rnf~ rerl"mptlon nr1cll \'11.11 be ~aU lums du'! to'.YOU ,:" 'r ". CO"troll:t, if":" !atp. chaIY.:) J"". If defgull witS ;,,:"';., !!.... ;.; .loJ\~ when you took poneu,o" (.f '~'. \.'.:o,cle, )'fUt L:',;~ of ,';',;~ '. '~t~J -'n!) ar-d \!OPI1q th~ V.", ;!'. ,t I OWlJ you l':~\ t""';Jn the net proceeds of sale, '/0\.+ ...il: p~v Ole Ir-.~ differe"cOl '1""P~~ VOII arl~ r~(JlJ;rf!'d tf) ;n'.' i! !t') lO!?l~')ne ~f$e. Fer '!,. '. , .' ~o:: reQUIred '0 "IV -1 l~f'Id'!'f who t1a~ ~Iv~" men Ica!"l anf1 \'.'!'~ t-:!. -, :"~'__~'~I ir:t~rl!n'r- .~. :;,,,':15. ,. I owe 11'0"' ~~"n t~e n~t proceed, r,' "'e, I wlll~ you the .;.:fr.r€r.cc ht!tw.,...,-, :1-;_ ....I nroceecb v~ \.le and-whl~ wnc,~ ,LlI.+ a~< '..I '.,' .\ Ullk:'o't',S'J p'rovjpe~. by law. IfJ:.!:I.9_ not p::.( thIS amlJUot "nl1ft ...;s"~~, I "Ii-, ,)1\0 be cr...rJo:d lnll~'S.t at .j. . ~hllj~,,,'...,flJl ra:f .....l'I.JOoa.td'I.O''''il)toyou. .1...,.,_. ':ollec1Ion CO'''\ 1: ...... .... .,i'.. .:"iv~'1 owe. . 1 f . . ,.. r. 'I' , S ~ - " l . !1 ,;',:1 r.c:," .r', .' J.'; ."" tr,a: 1 c. ',.. D~lav In EnforCing P.i')'~ .... :~.~ Ir:;,,' .. ..,,~ Cf')n'p". '. ....!a.( ar n:i....;;;'n 1rom ,;,.1-: :.,u 'J"'~'" ~ j'," ~';rrt without ICJ~incJ them, c ~ ~13Ir.nl,!, you can e)('''nl~ Ill'! t,"I. ~'_r making some p.iyment$ ....:thw.. ,....,~~;:'1g athf!'rs. Any chang,: In TA(m~ nf 'hi" contract "":IS! he .n .'/ritlng ancfo'.igned "bv vC')lt :-,..) oral ch&I1gqs are binding. If any part of this co"tr.lct 1$ not ',dirl all oth~r narts wi(l rematn or.fo''':~Jble, \',ARRANTlES SEllER DISCLAiMS. I unde'lland"th., ,ho 5..,..,., . -,~.;~ offe,.:rp an.,' wa'ranties and tni1. WItt;! are no~impht!d ,/,.,r _;".:..;!s "f m~rCtl"i"itabillt(, c.r f,tneu for .) particular puroos~. . ~ / .):her warrantie$. tXoress or Impli~d by Seller. CO""." '.. . t"~ goods unleu .~.,= S~lIe' extend\ J w;;U!n war'anty or scr/l.~ ~'ntrDct within 90 d.'/S from the d.te of lhii contract. An -jmplifl'd war"antv of ~-!'cl~;lro!.JlHl t'( 9~r--:'ally ml!ans that tn... .:aoc~ are fit fCJr :t.c ordir:ary :JOJr:lose for wt':ich $Uch goods ;Jro; ~cm:fdllv used, A .....31t.,Jr'.t.,. of titn~ss for a pJrlicular purpc:,: 'i a warranty that may ilrise whfn the Seller hilS reaSlJn !o know .',";" !'l"icular oJrpo\('" fOI '.' t:h I '~qui,,: the goods and' I rpl,. ~r ;:-.l .i..::t.:r ~ ;...;j or l:JlJ:,', :-,~l,: to furnish s.Ji:~~le goods. This pro'i'ision docs not aff~c~ any warranties covering the goods which ",ay be provi~oo by l~e manufactUrer of the Pdt, . . . Exhibit "B" (i,}:!:2I!!:~,'" ,,,...It?,-~;'''','' ' ...... . .~..," * ., ;,. j ., 5T A TE OF NEW YORK DEPARTrl:NT OF MOTOR VEHlcr15 THE GOVERNOR NElSml A. RoGKEFEllE,' EMPIRE STATE PlAZA, ALBANY, NEW YORK 12228 , ' 'PATRICIA 8, ADDUCI CommlUlo"tr 05/23/89 Loyola Federal Savings 1215 New Hammonds Ferry Rd. Glen Burnie, HD 21061 Dear Sirs. Enclosed is a copy of your recent letter regarding your non- receipt of Form 11V-901, Notice of Recorded Lien. Your name was not listed as lienholder on our records. If you forwarded notification of your lien to this Department or to a New York Dealer, please submit copies of both sides of the cancelled check used in payment of the lien filing fee. This will enable us to investigate andlor rectify the situation which resulted in the omission. Otherwise, to record your lien, you must secure the owner's Title and forward it with a properly completed Notice of Lien, Form MY-900 and the lien filing fee of $5.00 directly to the Title Bureau. If we may be of further assistance, please feel free to contact us. Title Bureau Exceptions Unit ME/agw BLS (4/89) -:r ~ r ..:C lJ, ~ "C) ~ ~\ .,.., = eL- M In ':' -; ~ ., '-c) I'- 0 "'- ~ "'...... r\"l ~r- ~ -... """ .' r-."l :....J.... ~ " C0~ @ ;; ':> :.., , D ~ - ,.:::-, 0: -. = .(~) \ v I '0 McNEES W . ^LLACf: 1\ 100 PIN .. NUHICi~ t 5TRu-r ~. Q, 80l': 'Ifill'; HARRI9BURC: ", ;o..PA 17108 SHERIFF'S REWRN CI:M-1ONWEALTll OF PENNSYLVNHA. COUNI"i OF ClMBERLIIND In The Court of Common Pleas of Cumberland County, Pennsylvania No. 1293 Civil Term 1994 Complaint in Civil Action Law and Notice to Defend Loyola Federal Savings Bank VS K & H Ford, Inc. Timnthy Reitz , ~I~ Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, that he served the within Comolaint in Civil Action Law and Notice to Defend upon K & H Fnrcl. Inc. , the defendant, at 11 : 11 0' clock A .M. EST /~~, on the 18 day of March , 192.Lat fi120 CRrliRle Pike, Mechanicsburq , Cumberland County, Pennsylvania. by handing to Tammv Sheaffer, Office Manager at K & H Ford, Tnl""!. a true and attested copy of the Complaint in Civil Action Law and Notice, to Defend and at the sare time directing her attention to the contents thereof and the "Notice to Plead" endorsed thereon. Sheriff's Costs. Docketing Sezvice Affidavit Surcharge So answers. 14.00 6.72 r'"~~ R. Thanas Kline. Sheriff by d~;<%;r Deputy Sheriff 2.00 22.72 Pd. by Atty. 3-21-94 SWorn and subscribed to tY.>fore rre this .:N1f. day of ?~ 19 t; If A.D. '-1''1' I (i. /11, i't', , A IrJ"'-. I i I Prothonotary v. I IN THE COURT OF COMMON PLEAS I CUMBERLAND COUNTY, PENNSYLVANIA I I NO. 1293 Civil 1994 I I . CIVIL ACTION - LAW LOYOLA FEDERAL SAVINGS BANK, plaintiff K&H FORD, INC., Defendant NOTICE TO PLEAD TOI Brett D. Davis, Esquire McNEES, WALLACE & NURICK 100 Pine Street P.O. Box 1166 Harrisburg, PA 17108-1166 Attorneys for Plaintiff You are hereby notified to plead to the within New Matter within twenty (20) days after service hereof, or a default judgment may be entered against you. ~..~ ..ANS , WOODSIDE ~~~""~~ DAVID A. FITZSIMONS, ESQUIRE Supreme Court I.D. #41722 3401 North Front Street P. O. Box 5950 Harrisburg, PA 17110-0950 (717) 232-5000 Attorneys for Defendant DATED I 04/07/94 LOYOLA FEDERAL SAVINGS BANK, Plaintiff I IN THE COURT OF COMMON PLEAS I CUMBERLAND COUNTY, PENNSYLVANIA I I NO. 1293 Civil 1994 I I I CIVIL ACTION - LAW v. K&H FORD, INC., Defendant ANSWER WITH NEW MATTER AND NOW comes the Defendant, K&H Ford, Inc. ("K&H") by its attorneys, Mette, Evans & Woodside, and avers the following in response to the Complaint of the Plaintiff, Loyola Federal Savings Bank ("Loyola")1 1. Admitted. 2. Admitted. 3. Admitted. 4. Denied. The averments of Paragraph 4 constitute conclusions of law to which no responsive pleading is required by the Pa. R.C.P. To the extent a response is deemed required, the Sales Contract, being an instrument in writing, speaks for itself and to the extent that the averments of Paragraph 4 are inconsistent therewith, they are denied. 7. Denied. The averments of Paragraph 7 constitute conclusions of law to which no responsive pleading is required by the Pa. R.C.P. To the extent a response is deemed required, the Sales Contract, being an instrument in writing, speaks for 5. Denied. The averments of Paragraph 5 constitute conclusions of law to which no responsive pleading is required by the Pa. R.C.P. To the extent a response is deemed required, upon reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averment that Loyola consumer services assigned its rights to Plaintiff which averment is therefore denied with strict proof thereof demanded at trial. 6. Denied. The averments of Paragraph 6 constitute conclusions of law to which no responsive pleading is required by the Pa. R.C.P. To the extent a response is deemed required, the Sales Contract, being an instrument in writing, speaks for itself and to the extent that the averments of Paragraph 6 are inconsistent therewith, they are denied. By way of further response, K&H complied with all laws and regulations applicable to the sale and all disclosures required by law or regulation were properly made. - 2 - itself and to the extent that the averments of Paragraph 7 are inconsistent therewith, they are denied. 8. Denied. The averments of Paragraph 8 constitute conclusions of law to which no responsive pleading is required by the Pa. R.C.P. To the extent a response is deemed required, it is specifically denied that K&H had a duty to perfect Loyola's security interest by listing Loyola as the first priority lienholder on the Certificate of Title. To the contrary, K&H as a Pennsylvania-licensed motor dealer does not have access to original Certificates of Title from either the Pennsylvania Department of Transportation or the New York State Department of Motor Vehicles. By way of further response, K&H listed on the Certificate of Origin, the document to which it does have access and responsibility, Loyola's security interest in the vehicle. 9. Denied. To the extent that the averments of Paragraph 9 infer that Plaintiff's first notice that it was not listed as lienholder on the New York Department of Motor Vehicles Title Bureau records, they are denied. Upon information and belief, Loyola had such notice prior to May of 1989. By way of further response, the instrument attached as Exhibit "B" to Plaintiff's - 3 - - 4 - Complaint, being an inst.rument in writing, speaks for itself and to the extent the averments of Paragraph 9 are inconsistent therewith, they are denied. 10. Admitted upon information and belief. 11. Admitted upon information and belief. 12. Denied. The averments of Paragraph 12 constitute conclusions of law to which no responsive pleading is required by the Pa. R.C.P. To the extent a response is deemed required, K&H performed all necessary required steps to ensure perfection of Loyola's security interest. Sale of the Kamoss vehicle without satisfaction of their obligation to Loyola is not due to any failure of K&H. 13. Denied. The averments of Paragraph 13 constitute conclusions of law to which no responsive pleading is required by the Pa. R.C.P. To the extent a response is deemed required, it is specifically denied that K&H is responsible for any "wrongful conduct". To the contrary, K&H undertook all necessary, appropriate and required steps to provide notice of Plaintiff's security interest. 14. Denied. The averments of Paragraph 14 constitute conclusions of law to which no responsive pleading is required by the Pa. R.C.P. To the extent a response is deemed required, it is specifically denied that K&H breached any representations or warranties to Plaintiff, WHEREFORE, Defendant, K&H Ford, Inc., respectfully requests that this Court dismiss Plaintiff's Complaint with prejudice and enter judgment in its favor and against the Plaintiff, together with an award of such costs, interest and other relief as the Court deems just and reasonable. NEW MATTER 15. The foregoing responses to the Complaint are incorporated herein by reference and realleged as a defense. 16. Loyola's cause of action against K&H is based upon an alleged breach of the terms under the Seller's Assignment in the document attached as Exhibit "A" to Plaintiff's Complaint. 17. The applicable statute of limitations for instituting a cause of action under such a written instrument as Exhibit "A" - 5 - attached to Plaintiff's Complaint, is four years under 42 Pa.C.S.A. 55525. 18. Plaintiff had notice prior to February of 1989 that its security interest in the vehicle may not have been perfected by John R, Kamoss and Denise L. Kamoss ("Kamoss") the original buyers of the vehicle. 19. Correspondence dated May 23, 1989 and attached as Exhibit "B" to Plaintiff's Complaint confirms notice to Plaintiff that it was not listed as a lienholder on New York Department of Motor Vehicles Title Bureau records. 20. Upon information and belief, between May 23, 1989 and May 5, 1990, Plaintiff undertook no effective steps to add itself as lienholder for the Kamoss vehicle on the Motor Vehicle Title Bureau records of the State of New York. 21. K&H properly listed Loyola's security interest on the Certificate of Origin for the vehicle, a true and correct copy of which is attached hereto as Exhibit "A" and incorporated herein by reference. - 6 - 22. K&H has no duty nor the legal authority to itself file the Certificate of Origin with a department of motor vehicles outside Pennsylvania jur.isdiction. 23. Plaintiff's Complaint fails to state a claim upon which relief can be granted. 24. Plaintiff's action against Defendant is barred by the applicable statute of limitations. 25. Plaintiff's action against Defendant is barred by the doctrine of laches. 26. Plaintiff's action against Defendant is barred by the doctrine of estoppel. 27. Plaintiff's action against Defendant is barred by the doctrine of waiver. 28. Plaintiff's action against Answering Defendant is barred because of failure of consideration. WHEREFORE, Defendant, K&H Ford, Inc., respectfully requests that this Court dismiss Plaintiff's Complaint with prejudice - 7 - DATED I 04/07/94 Attorneys for Defendant and enter judgment in its favor and against the Plaintiff, together with an award of such costs, interest and other relief as the Court deems just and reasonable. HETTB, BVANS , WOODS lOB ~~~~~ DAVID A. FITZSIMONS, ESQUIRE Supreme Court 1.0. .41722 3401 North Front Street P. O. Box 5950 Harrisburg, PA 17110-0950 (717) 232-5000 exhibIt A """'IIU___'(;O '.m... IQU "C?CI.tD @ ~ ---- ..... ;. O^lE JANUARY 21,1988 INVOICE flC UB87971 VEHICLE IDEtlllfIC^t1011 UO 1FMCU14T2JUB87971 MAKE FORD YEA" 1988 noov I rile BRONCO II WAGON SttlPPINO WEIQln 3134 L8S. U.P, IS A.E I 32.10 QYW.1l N/R 110. eYLs. 6 $EOIE5 on MODEL U14 I, the undersigned authoflzed represontative of the company. firm or corporation named below, hereby cer. lilV that the new vehiclo described above Is the propefly 01 the said company, IIrm or corporltlon and I, translerred on the above dale and under the Invoico Number indicated 10 the lollowlng distributor or dealer. ,,^ME OF OISTnIDUTon, DEo\LER, E (e K & H FORD INC 6320 CARLISLE PIKE P. O. BOX 1177 MECHANICSBURG PA 17055 16E224 II is further ce,tilied thallhis WQS the firsl Im.nsler 01 such new molor vehicle In ordinary trado and commerce, MEMO DATA (NOT A LIEN) F:!:!li.J.!l5lJ!J FORD MOTOR COMPANY FINANCE SOURCE 000001 DY; FORD MOTOR CREDIT CO P.O. BOX 1732, ROOM DEARBORN MI 48121 1000N^rfl.;OF ^~It~R1Z::=EI DEARBORN, MICHIGAN lIr.I,\ll A.: )( ~l~~,~(~ li(f:l~~I~ll(lll ~~.~~:J;~ TR~~~:~~11 " rlMI 1'1.\11 I":i,'; 11IM '),',I;lli I)'IIII(U 1;:1:1101 A xU" 1 Ii F--DA1LvnErnAL------\ rnr.!,,,t)t'/l ..[III,'! 8UUO[;1 .WI':; 11,\tI{)II.\l 0111(11 r II f.I J .., ,I CHECK BOX TO 0 UIOICA TE MUL TlPLE SALE OVER FOR MULTIPLE SALE \.------ LEASE ---------'-1 _ r"l~l..'Ut.^- -ltUllr"l~.lI,Il}l"'II,\~[- ICUI.IIJEI10Al IU()IVIIlUo\l 11.;u,..",t'I('Al 1l1l."lnUAL 1 ~ '1 10 .. 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VERIFICATION I, KAREN DEIBLER, on behalf of K&H FORD, INC., in the foregoing action, hereby verify that I am authorized (as General Manager) to execute this Verification1 have read the foregoing document and to the extent that it contains facts supplied by me, they are true and correct to the best of my personal knowledge, information and belief1 however, to the extent that the foregoing document and/or its language is that of counsel, I have relied upon counsel in making this Verification. I understand that any false statements made herein are subject to the penalties of 18 Pa. C.S.C. 54904 relating to unsworn falsifications to authorities. K&H FORD, INC. DATED I <j/71(~l( CBRTIFICATE OF SBRVICB I hereby certify that I am this day serving a copy of the foregoing document upon the person(s) and in the manner indicated below, which service satisfies the requirements of the Pennsylvania Rules for Civil Procedure, by depositing a copy of same in the United States Mail, Harrisburg, Pennsylvania, First Class Mail, postage prepaid, as follows: Brett D. Davis, Esquire HcNBBS, WALLACB & NURICK 100 Pine Street P.O. Box 1166 Harrisburg, PA 17108-1166 . 1,:' HB'l'TB, BVANS & ~~ WooDSIDB ~ DAVID A. FITZSIMONS, ESQUIRE Supreme Court I.D. #41722 3401 North Front Street P. O. Box 5950 Harrisburg, PA 17110-0950 (717) 232-5000 Attorneys for Defendant DATED: 04/07/94 '---.--- ;p; - ~.~ :!f.; '"' !:~ ~ ,~t '.' ~ . "" ..:..!....J..,: >. ".!. ~ . I ~. f:: '" '" M ',..-, ..... r ,~ . ;~, "" ,.. ..... t- -!, ", (~ ~.) ,'.. ". , i""ljj ill l _, I "^ ...^ ,/ v. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW LOYOLA FEDERAL SAVINGS BANK, Plaintiff K & H FORD, INC., Defendant NO. 1293 Civil 1994 ANSWER TO NEW MATTER 15. No response is required. 16. Admitted in part, denied in part. It is admitted that Loyola Federal Savings Bank has a cause of action against Defendant under the terms of the seller's assignment. It is denied that no other cause of action exists to which Plaintiff may proceed. Plaintiff also avers that Defendant owed certain duties to Plaintiff under the "Pennsylvania Uniform Commercial Code," 13 Pa. C.S.A. 1101 et ~ 17. The averments Ret forth in paragraph 17 of the Defendant's New Matter are mere conclusions of law to which no responsive pleading is required. To the extent an answer is required, said averments are denied. 18. Denied. It is averred to the contrary that the Plaintiff expressed concerns over the title to Defendant, but were assured by Defendant that Loyola had a perfected lien. 19. Denied. Exhibit "B" speaks for itself. No further explanation is required. rr:-m"!');,,", , 20. Denied. It is averred to the contrary that the Derendant railed to take the apporpriate steps, that would perrect Plaintiff's lien on the Vehicle. 21. Denied. The Plaintiff is without information or knowledge regarding the averments of paragraph 21 of the Defendant's New Matter and therefore requests strict proof, if relevant, at trial. 22. Denied. The Plaintiff is without information or knowledge regarding the averments of paragraph 22 of the Defendant's New Matter and therefore requests strict proof, if relevant, at trial. 23. Denied. The averments of paragraph 23 of the Defendant's new matter are conclusions of law to which no responsive pleading is required. To the extent an answer is required, said averments are denied. 24. Denied. The averments of paragraph 24 of the Defendant's new matter are conclusions of law to which no responsive pleading is required. To the extent an answer is required, said averments are denied. 25. Denied. The averments of paragraph 25 of the Defendant's new matter are conclusions of law to which no responsive pleading is required. To the extent an answer is required, said averments are denied. - 2 - -, '- . 26. Denied. The Plaintiff is without information or knowledge regarding the averments of paragraph 26 of the Defendant's New Matter and therefore requests strict proof, if relevant, at trial. 27. Denied. The averments of paragraph 27 of the Defendant's new matter are conclusions of law to which no responsive pleading is required. To the extent an answer is required, said averments are denied. 28. Denied. The Plaintiff is without information or knowledge regarding the averments of paragraph 2B of the Defendant's New Matter and therefore requests strict proof, if relevant, at trial. WHEREFORE, Plaintiff demands judgment against Defendant in the sum of Eleven Thousand Five Hundred Four Dollars and 14/100 ($11,504.14), plus interest, costs of suit, and attorneys' fees. McNEES, WALLACE & NURICK By B1'~ Attorney I.D. No. 62668 100 pine Street P. o. Box 1166 Harrisburg, PA 17108-1166 (717) 232-8000 - 3 - ..'-...,....'""-., -' ' . , VERIFICATION Subject to the penalties of 16 Pa. C.S. 4904 relating to unsworn falsification to authorities, I hereby certify that I am Joyce Traynham of Loyola Federal Savings Bank, and am authorized to verify this Answer to New Matter on its behalf, and further, that the facts set forth in the foregoing Answer are true and correct to the best of my information and belief. ~t J~~ 90'd 9SaZZL~0T~T6~0SeE99t 01 ~ ~~lj~ '.~~ll~M 's..N~W WO~~ ~T:~T ~66T-~a-A~ ~- . . . . I . , CBRT%~%CATB O~ SBRV%CB I hereby certify that on this _I-(~ day of May, 1994, a true and correct copy of the Answer to New Matter was served by united states first-class mail, postage prepaid, upon the following: David A. Fitzsimons, Esquire Mette, Evans & Woodside 3401 North Front street Harrisburg, PA 17110-0950 Byjj~~D~ Brett . Davis .,. 0") ~.,... - ,- ~ ..: r ., ,.. " " .r. .. .- ;'1 '. r-t ,c , {Y) = " " >- . ~. ,"," = McNEES. WALLACE e. NURICK 100 PINE STREET P. O. .ox t... HARRISBURO. PA 17100 LOYOLA FEDERAL SAVINGS BANK, I'laintiIT IN TIlE COURT OF COMMON PLEAS CUMBERLAND COUNTY. PA v. NO. 1293 Civil 1994 K&H FORD, INC., Defendant CIVIL ACTION - LAW PRAECIPE TO DISCONTINUE TO THE PROTHONTARY: Please mark the above-captioned action settled, discontinued and ended with prejudice. I certify that I am authorized to sign this Praecipe to Discontinue on behalf of PlaintilT in the above-captioned action. cfu1 ~ N\~""" PJ"'tC./ C.E. BAKER, Member BEACON SERVICES, LLC 121 Water Street, Suite 400 Baltimore, MD 21202 (410) 625-1705 DATED: i/lvlq(., ~32c..1 I. . *\