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HomeMy WebLinkAbout94-04394 1 \ I ; ! ->-... - o c- c ~ . & j I J \ \, "'\ ~ t..:. J ~: ;?: i I 1 -:j- I 0- j / 01 '=1 ~ ;jI; -. :II: 0- ~ N .... "... ~.r ~~;~:~ ~.._)Uod ..... -r: C)-;:" ;',\ -;' ~j ....,::)' , _ .n I .__ i~" .r. ; ,.ll:-,'L _.',iU,,j j'- ;CO- l&_~ 0' -::r &:I :::> - ~ '" -\ -.,.)"} ~ '" 'r') I '''J ~ ~! C\~ - ~ '...s -:::l- ~ \;;' ... .,. --.. "" '"\J -,. "'---, ~~~.; Il S ~ \Q Ii! l ,; ~ " " .. t; ;, w D ~ ~ ~ = " ~ .. III 1'1 Z ~ III ~ c:JI'Cwm.. u ... > z I't VI lI' ~ 0 )( ~ a ., I!' t:' w oJ 0 UI X of '" 1G ZD.ZCLflfll'I ." .z~""ft D:ow~~t:r:: I: CD Ii ~ ~ t: t: C" ., --- - IE .; :J .. : iii IE C ~ . . .. r ,. DAUPHIN DEPOSIT BANK & TRUST COMPANY, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v, CIVIL ACTION. LAW JAMES B, CONNOLLY, Delendant 9~- ~3q/J- No. CIVIL 1 :134 .- f -e rW\- NOTICE - COMPLAINT YOU HAVE BEEN SUED IN COURT, If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you, and a 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 1 Courthouse Square Carlisle, PA 17013 Telephone: (717) 240.6200 NOTICIA Le han demand ado a usted an la corte, 51 usted gulere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de la demanda y la notifjcaclon, Usted debe presentar una aparlencla escrlta o en persona 0 por abogado y archlvar en la corte en forma escrita sus defensas 0 sus objeclones alas demandas en contra de su persona, Sea avisado gue sl usted no se defjenda, la corte tomara medldas y puede entrar una orden contra usted sin previo avlso o notificaclon y por cualquier gueja 0 allvio gue es pedldo en la peticlon de demanda. Usted puede perder dlnero 0 sus propiedades 0 otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. 51 NO TIENE ABOGADO 0 51 NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUNENTRA ESCRITA ABAjO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Court Administrator 4th Floor Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Telephone: (717) 240-6200 DAUPHIN DEPOSIT BANK & TRUST COMPANY, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION - LAW JAMES B, CONNOL Y, Defendant No, CIVIL 1994 COMPLAINT 1. The Plaintiff Dauphin Deposit Bank and Trust Company, is a Pennsylvania Corporation licensed under the banking laws of the Commonwealth of Pennsylvania with an office located at 3607 Derry Street, Harrisburg, Dauphin County, Pennsylvania 2. The Defendant, James B. Connolly, is an individual residing at 2306 Buckingham Avenue, Mechanicsburg, 17055, Cumberland County, Pennsylvania, 3. On or about January 28, 1988, the Defendant entered into an agreement with Dauphin Deposit Bank for the purpose of obtaining an EASY CREDIT LINE in the amount of $2,500.00. (Exhibit "A"). 4, Pursuant to Exhibit "A" the Defendant agreed to make payments in monthly installments of not less than $35.00 or no less than three percent (3%) of the outstanding new balance together with interest and insurance charges to Dauphin Deposit. 5. The Defendant has defaulted under the terms and conditions of said agreement, Exhibit "A" herein, in that he has failed to make sufficient and consistent payments in accordance with the terms and that no payments have been received since April 25, 1991 6, The amount due and owing because of the default of the Defendant under the terms and conditions of said agreement as of May 24, 1994, is $2,593.19 plus interest, attorney's fees and costs of suit, 7. Demand of the Defendant has been made by Dauphin Deposit and Dauphin Deposit's counsel for the amount owing. 8, Defendant has refused to pay the amount owed and is therefore liable for interest, attorney's fees and costs of suit, WHEREFORE, Plaintiff demands judgement against the Defendant In the amount of $2,593,19, plus Interest, attorney's fees of twenty percent (20%) and costs of suit. Date: Respectfully submitted, ADLER AND CLARAVAL tlz/"!'; By K!'c-!.-r;r'{/fu,aYc.4 ! ROBERT F, CLARAVAL 125 Locust Street P,O. Box 11933 Harrisburg, PAl 7108 (717) 233-4780 Supreme Court 10# 19222 Attorneys lor Plaintiff VERIFICATION I hereby certify that I am the Community Lending Officer of the Dauphin Deposit Bank and that the facts set forth in the foregoing document are based upon information that I have given to counsel and they are true and correct to the best 01 my knowledge, information and belief. I understand that any false statements herein are made subject to the penalties of 18 Pa. C,S.A. ~4904. relating to unsworn falsification to authorities. DATED: f/Z/cto./- lid . / I /:; - fr' -"'. . , .c.::....,~ .I-L' D C SIJSAN C. LISLE, 'COMMUNITY LENDING OFFICER, DAUPHIN DEPOSIT BANK 011._ January 28, 1988 EASY CREDIT LINE AccounU 7tJ'j5tJr, 0 5 S "I 4 As used In Ihis "'r!fmenL the words "I. m. .nd my" meln IIch .nd .11 allh. persons who slln below IS Bonower. The words "you .nd your" me.n" DAUPHIN DEPOSIT BANK AND TRUST COMPANY, Harrlsburl, Pennsylvania INSURAtlCE: I undmllnd Ihlll do nol hm loll~' oul Cl!d,1 hl.lnlUllnce in older 10 obllln lOin IdVln...,III qUllll, lor II IOd I doll~' itout.I.i11 be requi"d 10 p" Ih. co,lor IlTh. InSUllne! "ill cover only the person who silns below in this "'nsuI.nu" section, Check il.pplicable: EJ 1 w,nl credlllile insurlnce. The cost is $ . 783 per monlh pel S 1.000.00 on the tolll daily bJl.nce on lOins Dubllndinr in your accounL billed monthly. The cost is sublecllo chana! horn time to lime lecoldinl 10 the china! In the Insur.nce pfemiums ~id by us under our lroup pohcy. Insu"" UsllFE CREDIT Uf. In.urln.. Compon,. s.hlumbu,..Ullnol., /5~ , MAXIMUM CREDlIlIMIIS: I understlnd Ih.llh. muimum amount Dr .dvlnces th.t you will .Ilend to me under this Alleeme"1 is S 25CXl.OO . II you ,pplove Iny Idn"ces for me .bove my credillimit (which rou do not hIVe to dol, I will pay you the .mount .bove my credit limit on demand. ADVANCES: I cln obtain loin Idvlnces In the w.yhl indicaled by I check mlrk: ~ Speci.1 Checks-I can w,it, one 01 the sped.1 checb Ihlt you WIll supply to me. .0 Automltic Oveldllll Advances-I cln wrile I personll chec. for mOle thin Ihe ballnce 01 my checkinl.ccounllnd you will .ulomatlcally IlInsler to my checkin,accoun' enoulh 10 cove' the overdlaft, p,ovidinl Ihe 10111 outsllndinl does not exceed the creditllmils under this Alllement. You rr' vou' option eleclto ",nsler Imountsonly in mulhples oi .00. All IUlIIl advances Will be for I minimum amount 01 S 100.00 or mOle. All loan advances tOlelher wilt be considered I slnlle consolldaled lo.n. I '11Ie thlt each check will constilule my "'Itlen authorilllion required by Ilw. PERIODIC slAIEMENI: You .ill"nd m. monthl, I '1.I.m.nt showinl the stilus 01 my account Ind when plyments musl be made fiNANCE CHARGE I undersl.nd Ih.11 will be chlll.d I fmance Chllle on all loan advances, the FINANCE CHARGE belins the date each Idvance Is posted 10 my mounl. .llh. 0.11, Periodic R.I. or .~Ii. Th.t periodIC I.le, when multiplied by 365, Is .qull to In ANNUAL PERCENTAGE RATE 01 14.25 Ii. You IIIUIl! the finance Chill' on my account the followlnl way: fusl. you Illule the balance 01 my Account each day in the bIIlml perIOd by addinl new advances (1olnsl posted 10 my Account 10 lhe openinl Plincipal Blllnce IS 01 thll dlY. You Ihpn subtract any p.yments 01 credits posted th.t dlY. This " au my dilly b.lance. Then you multiply my blllnce 1. 110 a fmanc.Chllle each day In the billinl period by Hie t'rltodlC R.le Ind add tach diY'S finlnc.Chlll' lor the Iclu.1 number 01 dlYs in the billinl period. this lives you the Ftn.nceCh"ie lor the billinlperiod.Theinlereslrale mlY be subltct 10 chanle IS described below. SiEnalureollnsulpd RECEIPT or COPY: lac.no..led21 re eipt 01 I completely filled in copy 011 s Alleemenl. ~ 'fU.~ t:ff.' ~F Jares B. Connolly BOlfo_1I 2306 Buck1nglurn Avenue, MechnnicsburR. PA 17055 ~dleu ~"..P.... Wii es NOTICE: SEE REVERSE SIDE fOR IMPDRIANl INfORMAlION AND YOUR (TIlE BORROWER'SI RIGllls 10 DISPUTE BillING ERRORS. B"'lCQt'SUM(R rORM 70 Sf'l 66 Cl/8!l1 t,' j j i' I. .,' I: , ,( . .' B^NK COrY C 198!lBANCQNSUlol[A S[lfVIC[.INC IlI9;;'SI1l'8', Co.Mahl II~l ?,6' (J,le VARIABLE RME: Thl ANNUAL PERCENTAGE RATE mly ,,,yon April I. Jul, I. Oclober I..nd J.nu", I..nd.ill b. ~~ perc.nl.bo" the Prim. R.I..s published in Th. Will 51"'1 Journ.1 which Is In .".ct on Ih. 11$1 business dlY of the plectdinl monlh of elth of the .bove mentioned qUlrters. The mnimum lite .llowable underlhis Ilreement is 23.00". Any increase In the AnnUli Percentile Rile wall become e!fectlve as of the belinninl 01 the nllt blllin. period ,"er I chinle In the Prime Rile. An1 decrease in the AnnUli Percenllle Rile will become efleetive II of the belinntnl of Ihe nelt billin, period .lter I ch.nle in the Plime Rate. This new rate will be .pplied to .11 cuuent b.llnces" well as .ny fulure Idvlnces. Any Increase In the Annu.l Percentile Rile will increase my minimum monthly payment amount My first.djuslment mlY occur on Ihe fust bllsmen d.y ollhe hflt full QUlllerly cycle followinl the dlle ollhis Alftemenl PAYMENT: I undersllnd thlt I Cln pay my outstlndinlloan balance in lullltlny lime belole It is due,1 pfomise thlt I will PlY IllelSt the Minimum Plymenl on Of before the "dlle plyment Is due" shown on my monthly slalement. The Minimum Plymen' will be the sum of (i) the Ilelter af 135,00 or l perc.nlollh. "ne. bal.nce" II sho.n on Ih. stltemenl, plus (ii) credit insurance chilIes, illny, plus (iii) any Minimum r,yment thllls pasl due. Each plyment will be .ppll.d '" Ih.lollo.lnlorder: Iii rinlnce Chili" I'j credrt insuflnce premium lillpplicablel, Ind (iii) the prinCipII due on loan Idvances. AU1DMAlICPAYMEN1: 0 IIlhi,bo. ;schecked. r .u1honl. you to lutom.liCllly deduct ham my checkin. or NOW Iccounl on the "dlte paymen' is due" IS shown in my monthly stllement. the minimum payment shown on thlt slllement. DEfAULT: I .111 b. in d.laullll.n, or Ih. lolio.inlmnl' occurs: 1. III fail to make Iny p.ymentlo you on time or I viollle this Aareement In .ny other wly; or 2. if the tolal outsl.ndlnl bar,nce 01 ltie loan advances under this AI,eement elteeds my clldilllmit or 3. illny stltement in my Ippllcation lor credll WIS Illse or misleadlna;or 4. ill die; or 5. if I become banlrupl or Insolvent; or 6. ilany ludlment, lien, altlchment 01 execution is Issued I.'inst me or my property. Addless /. You d'n then ufuse '0 mike Iny loan .dv.nc" to me .nd d.mlOd immedl.t. p.,mlnlor Ih. lol.l.mount oulslsndin~ I '1'" Ihlllll d.laullln p.,menl olin, Insllllm.nl due hereunder or In the perform.nc. ollny 01 mYllreements with you contllned hllein, then ., your oplion, all credit hereundtr sh.1I terminlle .nd the enlire unpaid blllnce of my lo,n Iccoun' will become Immedi.lel1 due Ind plyable, plus your actull elpendilules,lncludinl ftllonlble Iltorney's fees for proceedinls to collect such ballnce. TERMINATION: You ml, II IOY time.1 ,our 101. discrelion IIImlnate this Alllemenl or ham time to time reduce my mlllmum credit line. this will be done by mlilinl me notice 01 such terminalion or reduction, However, no such action on your plrt sh.ll.fI,et Iny loans I hIVe m.de with you undtf 'his Alreement nor my oblilltion '0 rep.y the lOins II plovided In this Alreemenl RIGHI Dr SET.DrF: IlCknowledp ,our lilht 01"1'0" in In, of my property which you hive in your possession Illny lime, which Includes Individulllnd jolnl deposit ICcounts held by me Dr lor my benelil whether or no' they h.ve mltured.1I you eltrei" your filht 01 sel.oll,lt will occur II 'he time you reshlct ICceSS 10 m1 propeft1 in your possession, even thouah you mlY record thll sel.oll on your book, .1. 1.ler lim.. RESPONSIBILITY: I undmllnd Ihllllm ",ponsibl.lor .11 Imounts borrowed undtf Ihis Alretmenl even illnolher person silns this Alreemenl" BorlOwer 01 Co-M.ktf. CDNlINUED UFEClIVENEsS: lI.ny Plrt 01 this AI".m.nl i, determined by I court '0 be Invllid, the rest will rem.in in .lIecl NOTICE: All nollces Ind sl.l.m.nts or ",ounl un be mli1ed to me It the .ddrtU shown below opposite m1 nlme or Itlny other Iddress of which I nolily you In wrltinl. If two or more persons siln this Aartemen' IS Borrower, I Illee Ihlt delivery of notices ,nd slalements 10 an) person desilnlled below IS Borrower will constitute delivery 01 'he notices Ind stlle'tlen1s to "''to Any nolice will be sent to me by relulll mailal my I.st known .ddreu Ind shill become elleclive II the time of mlllinl. GENERAL: You un d.II, .nrorcinlln, 01 ,our rilhl' under Ihis Alreemenl wilhout loslna them. Any wliver by you or Iny provision at this Aaltemenl will not be I waiver of the S1me Of In1 other provision on In1 other occasion. 0.1. /, :21"" AI' .5'/ fd~) ~.) ,-.._, I ~. ,. I ~ '. ... " ., '.,,'; ~. . ": .. , . . , ,"... 'I . , BILLING ERROR RIGHTS FORM (Keep thl. nollce for future use.) ':. ~ '. .:1'. .. . M, BIllIna Rlpll: Thll noUce conlalnllmportanllnlormaUon aboul my rlahll and your relponolblliUel under Ihe Fair Credil Bllllna Act. Nolllr You In Can 01 EmI.. or Q_lIonl Aboul M, Bill: IIllhlnk my bill II wrona. or III naed more Information aboulalranlacUon on my bill. I will wrllelo you on a leparale sheel al the addre..lllled on my bill, I will wrlle.. soon al posslbla. You mUll hear from me no later Ihan 60 dayuher you lenl me Ihellrsl bill on which the error'or problem appeared, In my letter, ,I will alve you Ihe loIlowlna InlormaUon: My name and account number. The dollar amounl 01 Ihe sUlpecled error. Description of the error and Ixplaln,l' I can, why I believe there Is an error. If I need more Inlormallon,I will describe theltem lam not lure abouL If I have authorized you to pay my biUautomatically from my uvlnss or checking account. I can stop the payment on Iny amount I Ihlnk II wrona, To Ilop Ihe payment my letter mUlt reach you three bUllne.. days beforelhe aulomaUc payment II scheduled 10 occur. M, Rlplland Your R.lponslbllltlea Ah.r You Roc.... M, Wrtllan NoUce: You mUII.cknowledae my letterwlthln 30 daYI, unle.. you have correcled the error by then. Wilhln 90 daYI. you mUlleithercorrecl the err~r or explain why you believe the bill was correct. After you receive my letter, you cannot lryto c,olleet any amount I question. or report me as delinquent. You can continue to bill me for the .mount I qUlllian,lncludlng finance charses, and you can Ipply Iny unpaid amount against my credit limit. I do not have to pay any questioned amounl while you arelnvelUaaUna. bull am 1111I obllaated 10 pay Ihe parto of my bill thai are not In que.Uon. II you find Ihal you made a ml.lake on my bill, I will not have 10 pay any finance charael related 10 any queltloned amounl.lI you didn't make I mistake, I may have to pay finance chirses, and I will have to make up any missed payments on the QI!~slioned amount. In either cale. you will lend me a statement of the amount I owe and the dale Ihal It II due. If I falllopaylhe amount Ihalyou think lowe, you may report me al delinquent; However. If your e,planaUon doe. nolulllfy me and I write toyou wlthln.!en days lelllna you Ihal IltllI refule to pay. you mUll lellanyone you report melo Ihat I have a queltlon aboul my bill. And, you must iell me ttie name Dr anyone you reported me to. You must tell anyone you report me to that the matter has been lettled between you and me when It IInally 10, .. .' If you don' follow Ihele rule.. you can'l collecllhelirsl $50 of Ihe quelUoned amount. even II my bill wal correct. ~ NOTICE OF PROPOSED CREDIT INSURANCE The 5I,ner(l) or the Alreement hereby take(l) notice that GroupCredlt Life Insurance coverage will be applicable to this II so marked on the front of thll Note and such type of coverage will be written by the Insurance Company named. Thlllnsurance, subject to acceptance by the Insurer covers only the person Signing the requesl for such Insurance. The rate of charee per month Is Indicated for Credit life Insurance to be purchased. The term or insurance wlll commence as of the date Indebtedne.. II Incurred. Subjecl 10 acceplance by Ihe Inlurer and within 30 days, Ihere will be delivered 10 Ihe inlured .debtor a Certllicate of Inlurance more fully delcrtblna Ihe Inlurance, "~ NOTICE: SEE OTHER SIDE FOR IMPORTANT INFORMATlDN. (:Y I-f I'; I i A. flri.,.f ~\, ~ .......................'e..........__..............,..._............... SHERIFF'S RETURN CCM100WEALW OF PENNSYLVANIA I COUNT\' OF ClMBERLAND In The Court of Common Pleas of Cumberland County. Pennsylvania No. 94-4394 Civil Term Complaint in Civil Action Law and Notice Dauphin Deposit Bank and Trust Company VS James B. Connolly Lerov Hippensteel , ltl\Xi!~lSr Deputy Sheriff of Cunberland County, Pennsylvania, who being duly 5\>'Orn according to law, says, that he served the within Complaint in Civil Action Law and Notice , upon James B. Connolly the defendant. at 10: 10 o'clock A .M. IllDC / EDST, on the 12 August day of . 19~at 2306 Buckinaham Avenue. Mechanicsburq , CUnberland County. Pennsylvania. by handing to Linda Connolly. wife of James B. Connolly a true and attested copy of the Complaint in Civil Action Law and Notice, and at the same time directing her attention to the contents thereof and the "Notice to Plead" endorsed thereon. Sheriff's Costs: Docketing Service Affidavit Surcharge 14.00 6.16 So~~1 ~ r~>~"'''''~-r~-<? 2.00 22.16 Pd. by Atty. 8-15-94 R. Thomas Kline. Sheriff by ;f',~.( 1/~'~A~'/7T- puty SI riff Swom and subscribed to before roo this / .~l t. day of ~J:L 19~__ A D) , { lJ OA~ I ~ (frothonotary