HomeMy WebLinkAbout94-01842
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COMMONWIAUH Of 'INNSYLVANIA
COUIT Of COMMON 'LIAS
NOTICE OF APPEAL
fROM
JUDICIAL DIITIICT
DISTRICT JUSTICE JUDGMENT
COMMON,LlASNo. qi/ - /gL/;l C/v,1 Tit tYJ
NOTICE OF APPEAL
Notice i. gi-;en that the appellant ha. filed in the above CaIKt of Common Plea. on appeal from the judgment rendered by the Di.trict Ju.tice on the
dole and in the case mentioned beJov.
y
Paula P. Correal
.
.
James J. Yohe, Jr. and Toni B. Yohe
3/24/94
143 Hostetter Ave., Lot 9 Shippensburg PA
N I I , J
Beneficial Consumer Discount Co. ~ James J. Yohe Jr. and Toni B. Yohe
d b a Bencharlle Credit Svc. ' N 0 ~
CV 19. 94 cV-0000080-94 Philip C. Briganti, Legal Servi es, Inc.
LT 19 8 Irvine Row, Carlisle, PA 17013
TM block win be Iigned ONLY when thi. notation i. required under Po. RCP JP. No. If appellant was CLAIMANT (see Pa. R.C.P .J.P. No.
l008B.
Thi. Notice of Appeal, when receilled by the Di.trict Ju.tice, will opomte a. 0 1001(6) in actIon belore District JustIce, he MUST
SUPERSEDEAS ta the judgment for po..e..ion in thi. co.e. FILE A COMPLAINT wIthIn twenty (20) days alter
filing his NOTICE 01 APPEAL.
17257
Signaturo 01 Aothonolary 01 Deputy
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
(This seetlon 01 lorm to be used ONLY when oppellant was DEFENDANT I soo Pa. R.C.P .J.P. No. 100 1 I 7) In action belClffl District Justlca.
IF NOT USED, detach lrom copy 01 notice 01 apposlto be served upon oppellee}.
PRAECIPEI To Prothonotary
Enter rule upon Beneficial Consumer Discount Co.
NimooliJl]lJCl/lJC/s/
(Common Pleo. No. 91./,131./02 C/VI' J .T,rM ) within twenty (20) day. alter ....yice 0
, appellee(.), to file 0 complaint in thi. """"'"
Ie or .uffer entry of
f'.
Sof11aUo 01
t of non pros.
RULEI To
Beneficial Consumer Discount Co. ,oppellee(.).
. NimooliJl]lJCl/lJC/s/
(1) You ore noIifled that 0 rule it hereby entered upon you ta file 0 complaint in thi. appeal within twenty (20) day. ofter the dote of
.eryice of this rule upon You by personal .eryice or by certified or regi.tared moiL
(2) If you do not.~1e 0 complaint within this time, 0 JUDGMENT OF NON PROS WILL 8E ENTERED AGAINST YOU.
(3) The dote of:,trvice of this rule if .ervice woo by moil i. the dote of moiling.
Dote: 0 J.J/.J'~ h.:.., 19JY a .H/J J ~. 111, (/)/lJI.A;' n~
,.. 7T SIg1We tI ~ D<JxAy
1OPC312-84
COURT FILE TO BE FILED WITH PROTHONOTARY
Signature at affiant
PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT
(ThIS proal 01 sorvlco MUST BE FILED WITHIN TEN (10) VA YS AFTER ""ng Ihe nollce 01 appeal. Check epplicabla boxes)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF : II
AFFIDAVIT: I hereby sweer or efflrm that I served
o a copy ollhe Nollce of Appeal, Common Pleas No. ' upon the District Justice designated therein on
(dale 01 service) , 19_. D by personal service D by (certified) (registered) mail, sender's
receipt allached hereto, and upon the oppellee, (name) ,on
,19 n by personal service D by (certified) (registered) mail, sender's receipt allached hereto.
D and further that I served the Rule to File 0 Complaint accompanying the above Notice of Appeal upon the appellee(s) to whom
the Rule was addressed on ' 19_ 0 by personal service D by (certified) (registered)
mail. sender's receipt allached herelO.
SWORN (AFFIRMED) AND SUBSCRIBED BEFORE ME
THIS DAY OF , 19_
S,gn'turet 0' olllc'.' betor. ",f1om .",d,v,t was m,de
TifI" 0' offlc,,'
My commission expires on
.19_,
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NOTICE OF APPEAL
COMMONWIALTH Of PlNN5YLYAHIA
(OUIT OF COMIiO-';'-,iIAS
fROM
JUDICIAL DISTRICT
DISTRICT JUSTICE JUDGMENT
COMMON PUAS No. <; tj - / R '/cJ (IV, I H r rYj
NOTICE OF APPEAL
Notic. i. given thot tho appellant ha. filed in tho obov. Court of Common Plea. on opp.ol from th. judgment r.nder.d by th. Di.trict Ju.tic. on tho
dote and in the co.. mentioned below.
f>.Wr,l,fOf Al'f'fUANT
James J. Yohe, Jr. and Toni B. Yohe
""PUlAN' OlY
143 Hostetter Ava., Lot 9 Shipl'ensburg
NT N THE (f'brW""
3L24/94
Beneficial Consumer IJiscount Co. '" James J.
d b a Benchllrgc Credit Svc. ,..., UlAN' ., , ""
CV 1\1 q4 CV-OOOUU80-Q4 Philip C. Briganti, Legal Serv! as, Inc.
LT 19 6 Irvine Row, Carlisle, PA 17013
Thi. block wiU be signed ONLY when this notation i. r.quired under Po. R.cP JP. No. If appellant was CLAtMANT (see Pa. R.C.P.J.P. No. I
~~~B~tic. of App.ol, when rec.ived by the Di.trict Ju.tic., will operate o. 0 1001 (6) in action befOff! District/Justice, he MUST j
SUPERSEDEAS to the judgment for po....sion in this co... FILE A COMPLAINT within twenty (20) days after
filing his NOTICE of APPEAL.
NA ,
Paula P. Correal
.n ,.
PA 17257
,~,
Yolle Jr. snd Toni B. Yohe
Signalure 0/ Prot/loiJo/ary Of Deputy
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
(This section 01 loon /0 be used ONLY when appellant was DEFENDANT Isee Pa. HC.P.J.P. No. tOO1/7) in action belore District Jus/ice,
IF NOT USED, detach llOI1l copy 01 no/ice 01 appeal to be selVed upon awellee).
PRAECIPE: To Prothonotary
Enter rul. upon Beneficial Conaumer Discount Co. ,oppellee(s), to file 0 complaint in this appeal
Nano 01 ~'(S}
(Common Pleas No. 9 If - /84;J. C i VI I Tp f /l'I ) within twenty (20) doy. after servic7,ule or .uffer entry of ment of non pro~
///1. r.
; 5l(J1atlxG 01 Of Ius Bttomoy Of agent
RULEI To
lleneficial Consumer Discount Co. ,oppellee(s).
Nwnc oIlJ1l)ellcc(s}
(1) You ore notiflOd thot 0 ,ule is her.by entered upon you to file 0 complaint in this appeal within twenty (20) doy. after the dote of
service of this rule upon you by personal service or by certified or regist;"ed moiL .
(3) The dote of ..rviCe of this rule if service was by moil i. the dote of moiling.
Dote: /JPjj, ( /J .;;,21 V IdJ.u Yh
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'-"
0//1/,.(;; $
S/gnatIn d IX ll<JJu1y
(2) If you do not file 0 complaint within this time, 0 JUDGMENT OF NON PROS WILL BE ENTERED AGAINST YOU,
r..:."..t
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N:1PC 31264
PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT
(Tills prool 01 $OfVICO MUST fJE FILED WITHIN TEN (/O) DA YS AFTER IllIngtho no/ico of appoal. Chock oppllcablo boxo$)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF { tt.n/i,d."d
;..
AFFIDAVIT: I hereby swoar or allirm that I served
~ copy of the NOllce of Appeal, Common Pleas No. '111-/B'tJ Civllrf"!, upon the District Justice designated ther,in on
(da/o 01 $ofvico) "f''''/ 1.:1. , 19~, 0 by personal servlc'}. ,la'1iy (carllfied) ("0" -"I mail. sander's
,ecoipl atlached herelo, and upon Iho appellee. (nnmo) llt>adu1u_(..fll1fJIn?f'1'I /.J,ll'''''nr ~n. ,on
...JfJ'l/ I;). ,19 74 n by personal service f!l1J'Y(Cerllflod) (,-~ .."j) mail, sender's recoipt attached hereto.
IQ-1ind lu,lher that I served tho Rulo 10 File a Complnlnt accompanYing Iho abovo NOllco of Appoal upon..!!lJl.Dppelloe(s) 10 whom
the Rule was addressed on -4,... / ,;;1. . 192!i-. 0 by porsonal service 8-t5Y(certified) l.ajliolL od)
mail, sender's receipt attached herelo.
SWORN (AFFIRMED) AND SUBSCRIBED BEFORE ME
THIS DAY OF , 19_
SignaturfJ 01 allianl
SignalUre 01 oU,e'ofl bvtotEt 'Ahom a"ld.~lr was n1jJc1&
rme oloft,cia'
My commiSSion expires on
.19_.
A"
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("fl"({ I. (1..,,(,.,.{).Irj,1 //).1 !~!J<, t;/~h,W',;I.5
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f" !'i l.l~ f f'lc'l i ((" I~ 1,,/ A-
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P OU 4lJ8 (1"73
~ Receipt for
Certified Mail
........ No Insurance Covorago Pruvided
.:tB:'.t:lt 00 not use fOl Inlomorl0081 Mail
(Soe Revelsel
.s~IIl'J
tleneficial Consumer Discou t
$"""'NNo
! :s Hanover St
c3ri'i'Bie'''PA'' 17013
P 011 408 074
.......... Receipt for
x:. Certified Mall
........ No Inlurance Coverage Provided
.:::ar~'::8 00 not use for Intorn8tlonal Mall
(See Rovursel
:;..nlln
uistrict Justice Paula Cor
i'6'W~NII~~fiigl~n Bank Bldg.
po. 5).1. .nd liP coes.
Carlisle PA 17U13
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BENEFICIAL CONSUMER DISCOUNT
COMPANY,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 94-1842
Plaintiff
v.
JAMES J. YOHE, JR. and TONI
B. YOHE, his wife,
Defendants
CIVIL ACTION - LAW
RoueE
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 is served, by entering
a written appearance personally or by attorney and filing in
writing with the court your defenses or objections to the claims
set forth against you. You are warned that if you fail to do so
the case may proceed without you and a judgment may be entered
against you by the court without further notice for any money
claimed in the complaint or 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.
Cumberland County Court Administrator
Cumberland County Courthouse
South Hanover Street
Fourth Floor
Carlisle, PA 17013
(717) 240-6200
1
BENEFICIAL CONSUMER DISCOUNT
COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 94-1842
v.
JAMES J. YOHE, JR. and TONI
B. YOHE, his wife,
Defendants
CIVIL ACTION - LAW
HO'1'ICIA
Le han demandado a usted a la corte. Si usted quiere
defenderse en contra estas demandas expuestas en las paginas
siguientes, usted tien veinte (20) dias de plazo al partir de la
fecha de la demanda y la notificacion. Usted debe presentar una
apariencia escrita 0 en persona 0 por abogado y archivar en la
corte en forma escrita sus defensas 0 sus objeciones alas demandas
en contra suya.
Se ha avisado que si usted no se defienda, la corte tomara
medidas y puede entrar una orden contra usted sin previo aviso 0
notificacion y por cualquier queja 0 alivio que es pedido en la
peticion de demanda. USTED PUEDE PERDER DINERO 0 PROPIEDADES 0
OTROS DERECHOS IMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI USTED NO
TIENE 0 CONOCES UN ABOGADO, VAYA EN PERSONA 0 LLAME POR TELEFONO A
LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR
DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
Cumberland County Court Administrator
Cumberland County Courthouse
South Hanover Street
Fourth Floor
Carlisle, PA 17013
(717) 240-6200
2
,
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BENEFICIAL CONSUMER DISCOUNT
COMPANY,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 94-1842
.
.
Plaintiff
v.
JAMES J. YOHE, JR. and TONI
B. YORE, his wife,
Defendants
CIVIL ACTION - LAW
COMPLAINT
JUID 110M comes the Plaintiff, Beneficial Consumer Discount
Company d/b/a Bencharge Credit Service, by and through its
attorneys, Saidis, Guido, Shuff & Hasland, and respectfully avers
the following:
1. Plaintiff is Beneficial Consumer Discount Company with an
office located at One South Hanover Street, Carlisle, Cumberland
County, Pennsylvania 17013.
2. Defendants are James J. Yohe, Jr. and Toni B. Yohe, his
wife, adult individuals residing at 143l Hostetter Avenue, Lot #9,
Shippensburg, Pennsylvania 17257.
3. On April 26, 1993, the Defendants entered into a Retail
Installment Contract with the Plaintiff for the purchase of a Kirby
Sweeper, Hodel G-III, Serial Number 5930402969 for the total cash
sale price of Thirteen Hundred and 00/100 Dollars ($l, 300.00)
("Contract"); a copy of said Retail Installment Contract is
attached hereto as Exhibit "A" and made a part hereof.
4. Pursuant to the terms of said Contract, the Defendants
were to pay to the Plaintiff the sum of Forty-Six and 99/l00
Dollars ($46.99) per month beginning May 30, 1993.
5.
Pursuant to the Contract, the Defendants received a Kirby
3
f:_-:'.'''''~;''''::: ;';6:?<"'~.'!~~
Sweeper and took it into their possession.
6. Defendants defaulted under the terms of the said Contract
by failing to make the monthly payment for May 30, 1993; a copy of
a Notice of Buyer'S Right to Cure Default is attached hereto and
marked as Exhibit "B".
7. Pursuant to the terms of the Contract, as well as the
Pennsylvania Consumer Discount Company Act, the Plaintiff
repossessed the sweeper.
8. The plaintiff sold said sweeper for the sum of One
Hundred Fifty and 00/100 Dollars ($150.00) at a private sale on
August 12, 1993 to the highest bidder.
9. There remains an unpaid balance on said account of Twelve
Hundred Fourteen and 43/l00 Dollars ($1,214.43), together with late
charges of Nine and 36/100 Dollars ($9.36), unpaid interest of One
Hundred Ninety-Three and 26/10 Dollars ($193.26), court costs of
Fifty-Three and 00/100 ($53.00).
1IIIJ:UPOU, Plaintiff prays Your Honorable Court to enter
judgment for the Plaintiff and against the Defendants in the amount
of One Thousand Four Hundred Seventy and 05/l00 Dollars
($1,470.05), plus interest and attorneys' fees.
Respectfull~ubmitted,
SAIDIS,
Dated:
Lf.z/.C('-f
<: .
By .~
JO% a J. Deil , Esquire
Sup eme Court 0 #53147
21 9 M3rket Street
Camp Hill, PA 17011
(717) 761-l881
Attorney for Beneficial Consumer
Discount Company
4
CHt:LJlIuh '\,llk..J Seller ur \\.c, LJ:., .IIIU uun,
.~/..f'.4 II IJF' /!H#/)'/ /i,IJ/,5.J3t/,I!!:..
N....
<139 ~ ~A/m.5~
AJJr"M ell,
(Y./11~Q.- '?IJ-
Sill'
/7.;;JO /
ZopCulo
--11-I/fIG~ YLlHe
Bu)"C'f I', N.nw ..
/43 T /.Id.s:;r~1I B?S /fU~, 'WlfP?A /
1kl,C'f I', ~ Cllr St'IC'.nJ l,1'
-IDA ) ~ B yr)of-/ F'
1kl,C1 Z',Namc
1'/-3 I IIossrC'7"TO!S IJve 5h1/'/'7A /7.';
Ikl"r l', AJJnM ell' SlollC' ..,oJ 1'1'
I. AGREEMENT COVERAGE , . -.-' ..,
We ..II and you buy the following Goods and/or s.,rvice~:
Descrlpllon 01 Goods andlor Senile.. ,... Manulaclure,
,.."
Project.d Delivery Date:
1,1.., .1..... '.....1
;Cie./;v /WtJdJ
t',,e l3..lI
'. ,I. .
. . Model No,
Sarlal No, .
Cash Sala Prlca
..... .. ~ 59-3040:2
. 'G'-:lt/-,,, ~.~?
$ /.3 OCJ , oD
$'.
$
II. INSURANCE I ' 1 ,III. ITEMIZATION OF AMOUNT FINANCED,'
Sale~ Twi
Cn:Jit hf. insurance and m...!it disabihty insunmce an: not I)
:!juin....! to ubtain cn:Jit. and insur.nce will nut be p!oy~ ,I. .
un you ~ign and a,,'fI." to pay the additiunaI cost. ,,' 2)
TV
Cr.dit Lif.
Insurance
o Single Life
o Joint Lif.
Cn.odit Disability
Insurance (Single
Covcrnge Only)
Property
[nsuranc.
COST
TERM
Bu"", 1', Sip\INR'
'&'1'" I', Sianature
..,
N/A
N/A
.'-' ,
Insuranca Prolecllon: If we nansfer this Agreement to an
affiliat. of The Q,nnal Natiunal Uf. 1nsuro1llCC Company of
Omaha ("CNU'J) th.n and only tb.n, you may enroll under .
a group policy on.ring cn.odit life and credit disability . .
insurance coverages. Neither w. not tho affiliate is your agent,
broker ur fiduciary fur ubtaining this insurance. The affili.te
may n:cei\le IOme bendit from your.selccJ!o.n~.1\lls,~~.~
. .
Insuranca Canc;ellaUon: You ~ay caJl~I' any. ';'-dit life or
credit disability insurance you sdca withi" 15 d~y. from lh.
dote of thi:! Agn...menr, " 1....., .,..11... .'
C..h Price (including SalC$ Tax)
Total Downpaym.nt (a + b)
a) Cosh Duwnpayment S-
'b) T",d",ln'" $ -
$ 130 () , eJC-
$ -
lo...:f1l'uonl
$ /~Otf) .{J)L;
...
3) Unpaid ~Iance of Cosh Price
(I minus 2)
4) . Amounts paid to Others on your l3ehalf: $ e:r-'
(c+d+.+f+g) ..
c) To Cn.-dit Uf. ~
.. Inswuna. Co..' ..$
d) To Credit Disability .
.. InsulllllCC Co. . $ .e;r-
.. e)...To.P.topeny, . ,.. t~___ .
.,. '.,dnsuranceCo. ..I, ...~
f) . :"To Insurance Co. for.... ~.. . ...
. . Non.Filing Insurance $_ .
g) To Public Officials ' $ . .
5) AMOUNT ANANCED (3 + 4)
I" .
'Refers to a pn:mium for insuran~ wtitlen under a Chattel
Mongage Non.Filing Irisurance Polk-y 6SUl..J to us by
o Amorican Centennial Insurance Company, 0 Wl'SCO
Insurance Company. which an: not alrUiatlodwith us.
. .
,
$ 1.""SCt.?
Property Insurance: You will kc..'P tho propeny securing th6
Agrccment insun:d against damage'or loss, and name us os a
loss pay.... You may obtain Propeny Insurance from anyone
. you want that is acceptable to us. Propeny Insurance is
available from 0 American Centenniallnsur.nc. Company,
. 0 w..co Insurance Company, whid! an: IIOt affilillla! with
us. We an: not your 8l.'t:nt, brola:t or fiduciary fat obtaining
. this insurance, l3encharge or on a1lI1iate may n:c.cive ",me
benefit from the ~ of this insupl\cc.
IV. DISCLOSURES'OF YOUR CREDIT COSTS ' "/". '.
ANNUAL
PERCENTAGE
RATE: The cost of
your cn.odit os a yeatly
IOlle.
FINANCE
CHARGE: The
dollar amount the .
cn:dit will COSt you.
. Amount Rnanced:
The amount of modit
provided to you or on
. your behalf.
to~ 01 Payments:
. . The amount youwill
have paid after yOU,
have made.all paY!l1e~
os scheduled. .
LJ".oo% .
$.~91 4-~ R
S 1.1cJ(), tJ() "
$ /b11 d-'h
Total Sale Price:
.. The tot.1 COSt of your
purch.... on In..Jit,
incluJi~ll your
downpaymem of:
$' '-J
$ it.."}! ~'~E
[i-hJ) J "1\'
-
NOTICE OF BUYER'S RIGHT TO CURE DEF AUL T
To:
James J, Jr & Toni B Yo he
Name
143 I Hostetter Ave. Shippensburg,Pa. 17257
Addr,..
June 15. 1993
D.le
Vou ore indebled 10 BENEFICIAL CONSUMER DISCOUNT COMPANV d/b/I BENCIIARCE CREDIT SEKVICE,
("Anignee" or "We") wilh ita addren Ind lelephone number iii led belaw, on a Relail Inllllmenl ConlraCI
("Conlrlcl") dlled _ April 26 . 19....21.- for Ihe TOIII of Paymenl> of S 1691.64 r!l:"yable in
36 IO""lhly in.lllIOonll of S' 46.99 elch on which Ihe prelenl unpaid blllnce ia ~ 1691. 4 ,Since
Ihere i. oUllllnding on .on your Contrlcl I Icheduled inllllmenl which hu remlined unpaid afler il> leheduled
in'lulrne," due dule. 00 puymenl hl.ing been made on Ihe in""lmenl Icheduled 10 become due on Ihe . 30 ,cttayof
Hay, 1993 . your conlracl il in defauh.
,d,lIIify tnun,A III ",/.,,.1, Ia,,,
6th, July
,19-11. illhe LAST DATE mK PAVMENT.
(App'o.,mlU~/,21 ",./tom ,A, JaI, oj ttn.p' o/,Au NQ,ilrJ
S QF, " il Ihe AMOUNT NOW DUE
If you pay Ihe AMOUNT NOW DUE .hown above. which include. Ihe .cheduled illSlllmenl plu. accrued bUI unpaid
delinquency charge. b). Ihe LAST DATE FOR PA VMENT .hown above. Ihe conlrael may conlinue 10 r,;maill
oUblunding .s if puymenl of Ihe Icheduled in.lalmenl hid nol been 1.le, If you do nol pay by llie LAST DATE ~'OIl
PA YMENT. Ihe A..ignee may exerci.e ils righl 10 accelerale Ihe malurily of Ihe unpaid blllnce of Ihe Tolal of
Paymenl. on Ihe Conlrael.
If you again are lale in making your paymenll during Ihe nexl Iwel.e (12) monlh" we may ..erci.e our righl 10
Iccel.rule Ihe blllnce unpaid due on your conlrlcl Wilhoul lending you Inolher nOlice like Ihil one,
If you have any que.lions, wrile or lelephone u. promptly,
B
P.o.
S. Hanover ST.
AlIUIGlfrt
Carlisle, .Offi"dJJ,,,, Pa, 17013
717-249-1515
. OBitt Tt/~p^ollt No.
AP4!JJ.PA Ed, 10184
E 'dl\ b.l ('B')
t.;a-",.......,,"o.::',.,"._..:otr!:ot'.l
BENEFICIAL CONSUMER DISCOUNT
COMPANY,
: IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 94-1842
Plaintiff
v.
JAMES J. YOHE, JR. and TONI
B. YOHE, his wife,
Defendants
CIVIL ACTION - LAW
VERIFICATION
I verify that the statements made in the foregoing Complaint
are true and correct. I understand that false statements herein
are made subject to the penalties of 18 Pat C.S. Section 4904,
relating to unsworn falsification to authorities.
Date:
By: mf~
Cf"int Llauget
SHERIFF'S RETURN
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
In the Court of Common Pleas of
Cumberland County, Pennsylvnaia
No. 94-1842 Civil Term
Notice Civil Action Law Complaint
Beneficial Consumer Discount Co.
VS
James J. Yohe Jr. and Toni B. Yohe
his wife
R. THOMAS KLINE, Sheriff. who being duly sworn according to law,
says, that he made diligent search and inquiry for the within named
defendant, to wit:
James J. Yohe Jr. and Toni B. Yo he his wife
but was unable to locate
them
in his bailiwick. He therefore
deputized the sheriff of
Franklin
County, Pennsylvania,
to serve the within
Notice. Civil Action Law Complaint
On
Mav 19. 1994
. this office was in receipt of
the attached return from
Franklin
County, Pennsylvania.
Sheriff's Costs:
Docketing
Out of County
Surcharge
Franklin Co.
So answers:
Sworn
18.00
5.00
4.00
25.06
52.06 Pd. by Atty.
and subscribed to before me 5-11-94
_/-(:..~~'
.' J/
l,..>.~..........--:",</
.'
R. THOMAS KLINE, Sheriff
this .l 3.ML
day of ~'1
19~!.L... A.D.
~~Lo..- C. )}I...i't,__. ~,
Prothonotary
.-.---, -<
, .'
SHERIFF'S DEPARTMENT
157 LINCOLN WAY EAST, CHAMBERSBURG, PENNSYLVANIA 17201 (717) 261.3877 DK47P219
SHERIFF SERVICE INSTRUCTIONS FOR SEnvlCE OF PROCESS. Pleoso Iype or pllnl
PROCESS RECEIPT, and AFFIDAVIT OF RETURN legibly. Do not doloch ony copies
1. PLAINTIFFISI 2 COURT NUMBER
BENEFICIAL CONSUMER DISCOUNT COMPAKY 94-1842
3.DEFENDANTISI 4 TYPE OF WflITOIlCOMPLAINT
.JAMES J. YOIlE. JR. AND TONT R. YOIlf:, IlTS COMPLAINT
{ !l NAME or INDIVIDUAL, COMPANY. conpOIIA110U. C lC 10 S(nVICr 011 D[~CllUlIION or pnop[fUY fOR[ lCVI[D. At IACIIED OR SOLD
JAMES J. YOHE, JR. AND TONI B. YOIIE, HIS WIFE
o. ADDRESS ISlrool or IlFD. Aparlmenl No. Clly. Bora. Twp. Slole and ZIP Codal
AT 1431 HOSTETTER AVENUE LOT 09, SHIPPENSBURG, PA 17257
7. INDICATE UNUSUAL SEnvICE. 0 COMMON OF PA 0 DEPUTIZE 0 OTHER
Now, 19_,1. SHERIFF OF FRANKLIN COUNTY,PA.. do heroby deputize Ihe Sherllf 01
Counly 10 execule this Writ nnd mnke roturn Iheroof nccording
to Inw. This deputntion being mnde ntlhe roque.1 nnd risk 01 the plainlllf.
8. SPECIAL INS1llIJCT1OHS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDmNG SERVICE:
SERVE
.
...111.1 01 fllAHlOllNrnt""Y
NOTE ONLY APPUCASlE ON WRIT OF EXECUTION: N.S. WAIVER OF WATCHMAN-Any depuly sOO"Ulevymg upon or alioching any properly unde'
wilhin wril may leave same without a walchman. In CuSlodV of whomlJver IS found In possesston. atlcr notifYing person 01 levy or allachmant, wilhou1
lIabllilY on IhcJHIrl of suchdeou1v or Ihe shonlt 10 any (llmnlllf hemin for ally loss. doslruclton or removal of nn such ro or' bolore sherltl's sale thereol
9, SIGNAnJREol ATTORNEY or 01 her ORIGINATOR 10 TELEPHONE NUMBEIl 11. DATE
SAlOIS, GUIDO & MASLAND (717 243-6222
12. SEND NOTICE OF SERVICE COPY TO NAME AND ADDRESS BELOW: (This area musl be completed II notice Is to be malledl
~ SHERIFF R. THOMAS KLINE. 1 COllRT Hnll~F
SPACE BELOW FOR USE OF SHERIFF ONLY - DO NOT WRITE BELOW THIS UNE
13.1 acknowledge rccOlpl 01100 wnl \ SIG ATURE 01 Aull fI.ed FCSD D,'puly or Clerk and Tlllo 14 Dolo Rocelvcd 15 E.pirnlionlHooring dole
or complainl os indicaled above. 1 . 5/2/94 5/22/94
16_1 hereby CERTlFY and RETURN IhntlEl ha . personally Sl~rved. 0 have legal eVidence of service ns shown in "Remarks". D have cxeculed DS shown
in -Remarks".lhc writ or complain1 descflb od on the mdlvldual. company. corporalion.elc, at (he address shown above or on tho individual, company.
corporation, elc.. n' the address inserled below by handhnu a TRUE and ATTESTED COPY thereat
17.01 hereby cerlily and relurn a NOT FOUND because I am unable to localn the individual. company. corporation. elc_. named above, (See remarks below)
18. Name nnd title 01 individualscrved (I' not shown above) 19, A pN&onol aul'iI~ ago,U1ddlSClnhonlhl'n -
Utllltlt'lU In It., dtllnnd.VJI. uSU31 pl.lce 01
......u
21 o'lle 01 Sorvec 22< Time
CARLISLE
<:QIIA1>F.PA 17013
20. Address 01 whom served (complete only" dilfercnllhan shown above) IStreet or RFD. Apartment No..
City, Boro, Twp. Stalo and Zip Code)
5/11/94
-
~
EOSI
12:21
23. ATTEMPTS
Miles
22
Dep.ln!.
24. Advanco Cos's
0,00
30. REMARKS:
("0
G-,'/-<N
31. AFFIRMED nnd subscribed 10 betorc me this TH
34. day 01 19
37_ ,,/"i ~!~ ~ !.~~M t/r~l-
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Ot'll 5h1'flll
I') S"I";II"",01 5t."lIt
JJ 0/1'"
5-17-94
.160.",
SHERIFF Of FRANKUN COUNTY
MY COMMISSION
38.1 ACKNOWl.EOOE ECEIPT OF ,r
OF AUTHORIZED I SU .
fi'
NATURE,
,
.to U"II,Ul't.l'l""ott
FCSO-lI1M
6.uo cl C~,llr.C(,I:;-=("C} Ft,W...I,'ll:....':r.:-, J
'.1.. C.:mr"!',o:.'l;'n Ell",.-..;;, r.Jr..... .: ~ \"-1 1, ISSUING AUTHORITY
'1:; '1:-::) Court CT C::mmo:l Ple:s CT C:.no.::'::::lt'i::nd (;'::I.::-;-:y, Panr:syl'le:ni::
Beneficial Consumer Discount Co.
VS.
Toni B. Yohe
;:.fo. 94-1842
:~-
:iow,
April 27
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Beneficial Consumer Discount Co.
YS.
James J. Yohe Jr.
:'fa.
94-1842
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April 27
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-
BENEFICIAL CONSUMER DISCOUNT
CO., INC.,
IN THE COURT OF COMMON PLEAS OF
Plaintiff
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 94-1842
CIVIL TERM
JAMES J. YOHE, JR. and
TONI B. YOHE, his wife,
Defendants
CIVIL ACTION - LAW
NOTICE TO PLEAD
TO: Beneficial Consumer Discount Co., Inc.
You are hereby notified to file a written response to the
enclosed New Matter and Counterclaim within twenty (20) days from
service hereof or a judgment may be entered against you.
Date: .s: .1/- ?'?"
/~ r:~
Phi 1 C. Briga
Attorney for De
LEGAL SERVICES,
8 Irvine Row
Carlisle, pa 17013
(717) 243-9400
i
endants
INC.
,
BENEFICIAL CONSUMER DISCOUNT
CO., INC.,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
v.
: NO. 94-1842
CIVIL TERM
JAMES J. YOHE, JR. and
TONI B. YOHE, his wife,
Defendants
CIVIL ACTION - LAW
:
ANSWER
COME NOW the defendants, James J. Yohe, Jr. and Toni B.
Yohe, by and through counsel, Philip C. Briganti, Esquire, Legal
Services, Inc., and as their response to Plaintiff's Complaint,
state as follows:
1. Admitted.
2. Admitted.
3. Denied. Defendants admit that on April 26, 1993, they
signed a Retail Installment Contract, part of which is attached
to Plaintiff's Complaint as Exhibit "A". However, they deny that
the total cash sale price for the purchase of the Kirby Sweeper
was $1,300.00. Rather, Defendants aver that the Kirby salesman
led them to believe that if they traded-in the sweeper that they
then owned, which they did, he would pay $400.00 towards their
debt for the purchase of a set of World Book Encyclopedias, and
that they would only have to pay Plaintiff $900.00 for the
purchase of the Kirby Sweeper.
4. Admitted.
5. Admitted.
6. Admitted in part and denied in part. Defendants admit
.
that a copy a Notice of Buyer's Right to Cure Default is attached
to Plaintiff's Complaint as Exhibit "B". However, Defendants
deny that they defaulted under the terms of said contract because
the contract was invalid, as set forth below in Defendant's New
Matter.
7. Admitted in part and denied in part. Defendants admit
that Plaintiff repossessed the sweeper. However, Defendants deny
that said repossession was made pursuant to the terms of the
contract, which Defendants contend is invalid, or the
Pennsylvania Consumer Discount Company Act.
8. Admitted in part and denied in part. Defendants admit
that Plaintiff sold said sweeper for $150.00 at a private sale on
AU9ust 12, 1993. However, after reasonable investigation,
Defendants are without sufficient knowledge or information to
form a belief as to whether it was sold to the highest bidder.
9. Denied. Defendants deny that they owe an unpaid balance
on said account of $1,214.43, together with late charges of
$9.36, unpaid interest of $193.26, or court costs of $53.00.
NEW MATTER
I. Holder In Due Course
10. On or about April 26, 1993, Kirby of Chambersburg
(hereinafter: "Kirby"), through its agent, induced Defendants to
sign a contract for the purchase of a Kirby Sweeper. A copy of
the contract is attached hereto, incorporated by reference and
marked as Defendants' Exhibit "A".
f;1l"'~"~'J ,';"'.;y,:,!
.
11. Subsequently, Kirby assigned this contract to Plaintiff,
and Defendants made payments to Plaintiff totalling $147.99.
12. Plaintiff is a "holder" of this contract within the
meaning of 69 P.S. 61402, and, pursuant thereto, is subject to
all claims and defenses which Defendants could assert against
Kirby and/or its agents.
13. Pursuant to the expressed terms of the contract,
Plaintiff, as a holder of the contract, is "subject to all claims
and defenses which the debtor (Defendants) could assert against
the seller of goods or services" obtained pursuant thereto.
II. Lack of Caoacitv
14. Defendants repeat and incorporate by reference their
averments contained in paragraphs 10 through 13 herein.
15. Defendants lacked the mental competence or capacity to
understand, enter into or consent to the contract.
III. Fraud
16. Defendants repeat and incorporate by reference their
averments contained in paragraphs 10 through 15 herein.
17. On or about April 26, 1993, an agent of Kirby solicited
Defendants at their home to purchase the Kirby Sweeper which is
the subject of the purported contract.
18. Defendants informed Kirby's agent that they did not wish
to buy the sweeper, but said agent persisted in attempting to
sell them this product.
19. Defendants explained to Kirby's agent that they could
,---=
not afford the sweeper due to an existing obligation they had for
the purchase of a set of World Book Encyclopedias.
20. Kirby's agent persisted, and told Defendants that if
they signed the contract for the purchase of the sweeper, he
would send them a check for $400.00 to pay toward their debt to
World Book, and further led them to believe that they would only
have to pay $900.00 for the sweeper.
21. Kirby's agent also represented to Defendants that they
would have to trade-in the sweeper that they then owned, which
was worth approximately $180.00, for them to purchase the Kirby
sweeper under the terms he had described.
22. Defendants, reasonably believing the representations of
Kirby's agent, and relying on them to their detriment, signed the
contract and gave him their sweeper.
23. Defendants, who both have low mental capacity and are
poor readers, were unable to read or understand the contract.
24. Kirby or its agent failed to send Defendants a $400.00
check as promised, and also set forth in the contract that the
sale price of the sweeper was $1,300.00, rather than $900.00 as
represented.
25. Kirby's agent fraudently, intentionally and wilfully
misrepresented the terms of the contract to induce Defendants to
sign it, rendering it void and unenforceable.
IV. Mistake
26. Defendants repeat and incorporate by reference their
averments contained in paragraphs 10 through herein 25.
27. Defendants were mistaken as to the essential terms of
the contract, rendering it voidable.
V. Unconscionabil~
26. Defendants repeat and incorporate by reference their
averments contained in paragraphs 10 through 27 herein.
29. This contract, and the circumstances surrounding its
procurement, are unconscionable, in violation of 13 P.S. 62302.
VI. Violation of Duty of Good Faith
30. Defendants repeat and incorporate by reference their
averments contained in paragraphs 10 through 29 herein.
31. Kirby violated its duty to deal with Defendants in good
faith, in violation of 13 P.S. 61203.
VII. Commercially Unreasonable Sale
32. Defendants repeat and incorporate by reference their
averments contained in paragraphs 10 through 31 herein.
33. Plaintiff repossessed the Kirby Sweeper on or about June
1, 1993.
34. After repossessing the sweeper, Plaintiff sold it for
$150.00, on or about August 12, 1993.
35. $150.00 was far below the reasonable fair market value
of the sweeper.
36. Plaintiff's sale of the sweeper was commercially
unreasonable, in violation of 13 P.S. 69504(c).
payments to Plaintiff.
VIII. Violations of Unfair Trade Practices
and Consumer Protection Law
37. Defendants repeat and incorporate by reference their
averments contained in paragraphs 10 through 36 herein.
38. Kirby and Plaintiff engaged in unfair and deceptive acts
or practices in violation of Pennsylvania's Unfair Trade
Practices and Consumer Protection Law (73 P.S. 6201-1 ~ ~.).
WHEREFORE, Defendants respectfully request that this Court
declare that the parties' purported contract is void, and enter
jUdgment in favor of Defendants and against Plaintiff.
COUNTERCLAIM
AND NOW as their Counterclaim, Defendants respectfully
represent as follows:
39. Defendants repeat and incorporate by reference their
averments contained in Counts I,ll, III, IV, V, VI, VII and VIII
of Defendant's New Matter.
WHEREFORE, Defendants respectfully request the following
relief:
1. Actual damages of $327.99, to compensate Defendants
for the value of their trade-in sweeper and their
2. Treble damages for unfair trade practices totalling
$983.97, pursuant to the Unfair Trade Practices and
Consumer Protection Law (73 P.S. 6201-1 et ~.).
3. The credit service charge plus 10. of the principal
debt, or $521.64, arising from the commercially
unreasonable sale of the sweeper, pursuant to 13 P.S.
69507(a).
4. Punitive damages for fraud.
Respectfully submitted,
.~~ r:
Philip . Briganti
Attorney for Defe ants
LEGAL SERVICES, INC.
8 Irvine Row
Carlisle, Pa 17013
(717) 243-9400
The above-named Defendants, James J. Yohe, Jr. and Toni B.
Yohe, verify that the statements made in the above Answer, New
Matter and Counterclaim are true and correct. Defendants
understands that false statements herein are made sUbject to the
penalties of 18 Pat C.S. 64904, relating to unsworn falsification
to authorities.
Date:
5'-31' 9'1
Date: f-.1/ - 9~
/w.w- .11 UfI-/
Toni B. Yohe, Defendant
BENEFICIAL CONSUMER DISCOUNT
CO., INC.,
IN THE COURT OF COMMON PLEAS OF
Plaintiff
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 94-1842
CIVIL TERM
JAMES J. YOHE, JR. and
TONI B. YOHE, his wife,
Defendants
CIVIL ACTION - LAW
CERTIFICATE OF SERVICE
I, Philip C. Briganti, hereby certify that a copy of the
foregoing Notice to Plead, Answer, New Matter and Counterclaim
has this 31st day of May, 1994, been served upon Johnna Deily,
Attorney at Law, P.O. Box 560, Carlisle, Pennsylvania, 17013, by
regular mail.
Ph,lip . Brigant
Attorney for Def dants
LEGAL SERVICES, INC.
8 Irvine Row
Carlisle, PA 17013
(717) 243-9400
I
:.t;:'~ncnarge.
Date Dr Alreem.nI:
119_
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SECURITY AGREEMENT
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Omoh. ("CNI.I"1lhen and only Ih.n, you may enmll unde,
a group policy olt.rlll~ credil Iir. and atdll disability ,
Insurance ~1lIll"S. Neilhel we nOI Ihe affdlate io your agenr,
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, ,
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BENEFICIAL CONSUMER DISCOUNT : IN THE COURT OF COMMON PLEAS OF
COMPANY,
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
VS. CIVIL ACTION - LAW
JAMES J. YOHE, JR. and
TONI B. YOHE, his wife, NO. 94-1842 CIVIL TERM
Defendants
PRAECIPE TO DISCONTINUE
TO THE PROTHONOTARY:
The parties in the above-captioned action, by and through
their respective undersigned counsel, all issues raised in
Plaintiff's complaint and Defendants' Counterclaim having been
resolved, hereby request that this action be marked as settled
and discontinued, with prejudice.
{;4 .A
Philip . Brigan i, Esquire
Legal services, Inc.
8 Irvine Row
carlisle PA 17013
(717) 243-9400
Counsel for Defendants
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