HomeMy WebLinkAbout94-05881
DIClCINSON COLLEGE, . IN THI COURT OP COMMON PLIIA.
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Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
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v. . CIVIL ACTION - LAW
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JOSIPH I. BELLIR, NO.
Defendant
NOTICE
You hay. b..n .ued in court. If vou wish to dat.nd .a.in.~
~h. e1lim, ..t forth in the followina Daaes. vou mu.t take action
v~thin tventv 120\ daya after this complaint and notice are
~:~V:~d :rl~~~e~~n:r~t~~~t~~~ha~~:a~~~~: ~~~~o~:~;~.~~ :~ ~~~~~:
tion. to the claims set forth aaainst you. You are warned that
if YOU fail to do so the case mav Droaeed without vou and a
judament mav be entered aaainst vou bv the court without further
notice for anv monev claimed in the complaint or for anv other
claim or relief reauested by the D1aintiff. You mav 10.. money
or DroDerty or other ri9hts imDortant to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IP YOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONIl THIl
OFFICE SET PORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HEI~.
COURT ADMINISTRATOR
Cumberland County Court House
Fourth Floor
Carlisle, PA 17013
(717) 240-6200
By
ett
1.0. No. 8
100 Pine street
P. O. Box 1166
Harrisburg, PA 17108-1166
(717) 232-8000
Attorneys for Plaintiff
DiCkinson College
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IN THE COURT OF COMMON PLIAS
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
DIC~INSON COLLEGE,
plaintitt
JOSEPH I. BILLER,
Detendant
NO.
COMPLAINT
NOW COMIS, plaintitf, Dickinson College (hereinatter
"Dickinson"), by its attorneys, McNees, Wallace' Nurick, and
tile. the within Complaint against Joseph E. Beller. In support
ot ite Complaint, Dickinson states as follows:
1. Plaintift, Dickinson, is an educational institution of
higher learning which maintains an address at P.O. Box 2896,
Carlisle, Pennsylvania 17013.
2. Detendant, Joseph E. Beller, is an adult individual
who.e last known address is 724 Harvard Road, Bala cynwyd,
penn.ylvania 19004.
3. On or about October 1, 1984, Joseph E. Beller,
(hereinatter "Beller") entered into an Educational Goods and
Services Retail Installment Contract (hereinafter "rirst
Contraot") tor expenses incurred for goods and services to be
provided and rendered to his daughter, Joy Beller, by Dickinson
during the 1984-1985 academia year. A true and correct copy of
the Pir.t Contract i. attached hereto and made a part hereot a.
Ilxhibit "A".
4. On or about 3anuary 1, 1985, Beller, entered into a
Ilducational Good. and Services Retail Installment Contract
(hereinatter "Second contract") for expenses incurred for good.
and .ervice. to ~e provided and rendered to hiB daughter, Joy
Beller, by Dic~inson during the 1984-1985 academic year. A true
and correct copy of the Second Contract is attached hereto and
made a part hereof as Exhibit liB".
COUNT I
~. paragraphs 1 through 4 are incorporated herein by
reference thereto.
6. Under the terms of First Contract, Beller agreed to pay
Dickinson Pive Thousand, Five Hundred Dollars ($5,500.00) with
intere.t at the initial rate of 13.998% per annum in one hundred,
fifteen (115) equal monthly installments of Eighty-Seven Dollar.
and Eleven Cents ($87.11) commencing on November 1, 1984.
7. Under the terms of the Second Contract, Beller agreed
to pay Dickinson One Thousand, Five Hundred Dollars ($1,500.00)
with interest at the initial rate of 13.989% per annum in one
hundred eleven (111) equal monthly installments of Twenty-pour
Dollars and Sixteen Cents ($24,16) commencing on February 1,
1985.
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8. Tha Contracts further provide that "[i]f a payment is
more than 15 4ays late, a sum .quiva1ent to 5' of the lata
payment (but no more than $2.50 and not less than $1.00) .ay be
charged."
9. The Contracts further provide that if an event of
default of the Contracts occurs, and is not cured by the
borrower, Dickinson had "the right to declare all sums due on the
Contract to be immediately due and payable."
10. On or about June 15, 1992, Beller defaulted on his
Obligation under the Contracts by failing to make the require4
monthly payments when due.
11. The total amount which became due and owing,
considering all payments made to Dickinson by Beller pursuant to
the Contracts, is Two Thousand Nine Hundred Sixty Dollars an4
rorty-eight Cents ($2,960.48), which includes interest through
September 27, 1994.
12. Dickinson has demanded payment of the obligation owed
to it by Beller, but Beller has failed and refused to make
payment.
WHEREFORE, Plaintiff demands judgment against Joseph E.
Beller in the Bum of Two Thousand Nine Hundl'ed Sixty Dollars an4
rorty-eight Cent. ($2,960.48), plus interest at $.514 per die.
from September 27, 1994, until Defendant's obligation 1s paid in
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full, plus costs of suit, which Bum does not exc.ed the
jurisdictional limit for compulsory arbitration.
COUNT II
In the alternative, if this Honorable Court should d~ee~ine
that an express contract between the parties does not exist,
which is denied, Plaintiff pleads the following:
13. Paragraphs 1 through 4 inclusive are hereby
incorporated herein by reference.
14. Having requested Dickinson college to loan money and
doing so to the benefit of Beller, Beller became liable to
Dickinson College for said money.
15. Beller has been unjustly enriched by accepting said
money without paying Dickinson college reasonable compensation
thsrefor.
16. The total amount which Beller has become enriched,
considering all payments made to Dickinson pursuant to the
Contract, is Two Thousand Nine Hundred Sixty Dollars and rorty-
eight Cents ($3,960.48).
17. Dickineon College has demanded that Beller pay this
a.ount but Beller has failed and refused to do so.
NHlRlrORI, Plaintiff demands judgment against Beller in the
su. of Two Thousand Nine Hundred Sixty Dollars and Porty-eight
Cents ($3,960.48), plus interest and costs of suit, which su.
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DICKINSON COLLEGE FLEXIBLE FINANCING SYSTEM - 7000 PLAN
EDUCATIONAL GOODS AND SERVICES RETAIL INSTALLMENT CONTRACT
Oat. octob.r I, 1984 ,
I, S.ll.r: Dickinaon Colleg., Carliale, P.nnaylvania 17013
Buyer (a):
Joa.ph B.ller
724 Harvard Road. Bala Cvnwvd. PA 19004
If th.r. ia more than on. Buyer, ..ch of you will b. obli..t.d, Jointly
and ..v.rally, for all aUm8 due and for the p.rformanc. of .11 .'r....nt. 'a
provid.d in thi. Contract.
Under the t.rma of thia Educational Gooda and S.rvic.a R.tail Inat.11-
..nt Contr.ct, you hava '8re.d to pay the .xpena.a incurr.d for goods and
a.rvic,s to b. provided and r.ndered, aa the caae .ay b., to Joy
(her.in.fter "Student") durin, his/h.r enroUment at
Dickinson Co11.,. durin, the 1984-85 .c.demic year, includin,
tuition, room and board. books .nd supp1iea aa herein atated (herairaft.r the
"Good a and S.rvic..").
Th. Coods and S.rvic.s shall includ. only the fo1lowin,: Tuition .nd
roo. and board
U. TERMS OF PAYMENT AND PA'lKENT SCHEDULE
Disclosures Requir.d by Fed.ral Law
AllNIlAL FINANCE AMOUNT FINANCED: TOTAL or TOTAL SALE
fllCDn'AGI CHAlGI: Amount of cr.dit PAYIlDn'S: PRICE:
lATE:" Doller UIOun provided by AIIount paid Tou1 eon of
I Coae of credit credit will Dickinaon ColI.,. by Buyer aa purchaa. on
, as y..rly race , coat Buy.r toul of all cr.dit, in-
I acheduled dud in, doVll
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, p.yments par-nt of
5 5.540.00
13.998 I 5 4.517.65. $ 5.500.00 $ 10.017.65 5 11 .0110.00
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Ill. ITEMIZATION OF AMOUNT FINANCED
1. Ca.h pric' of Good. and Servicea:
$ 11,040.00
5,540.00
5,500.00
.00
$ 5,500.00
2. Total down payment:
3. Unpaid ba1anca of ca.h price (1 - 2):
4. Amount p.id to other. on Buyer', behalf:
5. Aaount rinanced (3 + 4):
IV. CREDIT INSURANCE
CredLt lifa inaurance for the term of thi. Contract ia not required.
V. NO WARRANTIES
TIIIO ARE NO WAR1WlTlES, EITHER EXPRESSr.D OR IMPLIED, GIVEN BY SELLER IN
COIl1lECTIOM WITH SALE OF THE GOODS AND SERVICES COVERED BY THIS CONTRACT UNLESS
IUYER HAS I!EII GIVEN A SEPARATE WRI'rrEN WAR1WlTY.
VI.' ADDITIONAL PROVISIONS
1. luyer alree. to pay Seller the Total Sale Pric. by ..kinl the tot.1
down p.yaent .nd payinl Seller the Tot.1 of Payment. in the number .nd amount
of 80nthly p.yment. .hovn in the P.yment Sc~edu1e. Payment. ar. due on or
before the .... date of esch month .~ the fir.t payment d.te. Paymenta mu.t
ba .ade to Indu.cri.1 Va11.y Bank at the fol10winl address:
Indu.tria1 Valley Bank
P.O. Box 433
Upp.r Darby. P.nnsylv.nia 19082
2. luyer'. 1.,a1 rilhts inc1ud. the rtlhr. to pay all or part of the amount.
due on thie Contract in advance of thair dua datee, to obtain a rafund or cradit
of unearned rinanca Charle whenever the amount ia paid in full in advance, and
(with S.11.r'. consent) to reiDstate the Contract if Buy.r ti..1y cur., any
default .
3. luyer .hall be d....d to have colllLitced an "Ev.nt of Default" of the
Contract upon the occurrence of any of the fo110win'l
(.) faUure to .ake any payment on or before the date it i. due,
(b) fSilur. to ..ke a payment on any other contract ouc.c.ndin,
with Se1hr,
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(c) faUur. to perform any other provision of th. Contract,
(d) providlnl S.ll.r With f.1.e information or .ilnatur..,
(e) de.th, lnco.p.t.nc., or conviction of any Buy.r of crime in-
vo1vlnl fraud or di.hone.ty,
(f) In.o1vency or bankruptcy of any Buy.r.
4. Upon or .ft.r the occurr.nc. of any EV.Dt of D.fau1t, S.ll.r will
provide Buy.r with noUc., by cerut ied 1D81l .. r.quir.d by l.w, .ddr....d to
Buy.r'. l..t known .ddr... .. .hovn on Se11.r'. r.cord., advi.in, Buy.r of the
d.f.u1t .nd of Buyer'. rilht to cure the default. Th. notic. wl11 provlde the
tl.., .aount and p.rforlDlnc. nac.s.ary to cur. th. d.fau1t. If Buyer doe. not
cur. th. d.fau1t .. provided in the notice, S.ll.r'. rilht. shall include the
rllht to dec1ar. .11 su.. due on the Contract to b. immedi.t.1y due .nd peyeb1..
5. Waiv.r by S.ll.r of any .v.nt of d.fault .h.11 not b. blndlnl upon
Sell.r if S.ll.r .hou1d th.reaft.r choo.e to .xercise th.t or .ny oth.r ri,ht
or . si.i1ar Ev.nt of D.fault occurs later. All S.11.r'. rl,ht. and r...di..
.hall b. cumulatlv.. Seller's exercise of on. or .or. rilht. sh.1l not c.u.e
S.ll.r to 10.. any oth.r rilhts.
6. This Contra~t is fr..1y .ssian.bl. by Seller. Buyer a,r... th.t upon
r.c.ivln. notlce of th. ..slIR1D.nt Buyer sh.11 b. ob1ilated to th. A..i,n..
of thi. Contract, which A..ilne. shall have .11 of S.11.r's rilht. .nd r...di.s.
7. If .ny p.rt of thi. Contract is h.~d to be ll1.,a1, vold or un.nforc..b1.,
that provislon .h.ll b. dee..d not to have be.n a p.rt of thls Contract, which
sh.11 oth.rwis. r...in fully .ff.ctive.
8. Th. law. of the COlDlDOnwe.1th of Penn.ylvania .hall apply to thi. Con-
tract .xcept to th. .xtent suppl..ented, sup.r.eded or pr.-.1Dpt.d by f.d.r.l
law.
9, rhi. Contr.ct .h.ll be blndln, upon th. p.rtl.. ber.to, th.ir helr.,
.ucc...or., a..lln. and le,.l repr..entatlve..
10. TOO IS or THE ISSENCI or THIS CONtRACT.
NOTICI: ANY II>1.OU or THIS CONSllHEl CREDIT CONTIlACT IS SUBJICT TO ALL CLAW
AND DEfENSES WHICH THE D!lTOR COULD ASSDT AGAINST THE SIUD or GOODS OR
SUVICES OITAINID PURSUANT HJ:llETO OR WITH TR! PlOC!!DS HEWr. llECOVDY
HJ:U\INI)El IY THE DEBTOR SHALL NOT EXCIED AKlUNTS PAID IY TH! DElTOl HEUU1/I)U.
NOTICE TO IUYU: (1) DO NOT SIGN THIS AGUDWlT UfORE YOU UA.D IT OR IF IT
CONTAINS AllY lLAIIX SPAfoE. (2) YOU All IIlTInED TO A COlt1LnELY FILUD-IN con
or tHIS AGREDWlT. ()) \lNI)U THE LAW, YOU HAVE tHE llGNT TO PAY orr IN ADVANCE
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DICKINSON COLLIGE FLEXIBLE FINANCING SYSTEM - 7000 PLAN
EDUCATIONAL COODS AND SERVICES RETAIL INSTALLKlNT CONTRACT
D.t. Januarv 1. 1985"
I. S.ll.r: Dickin.on College. C.rli.le. Penn.y1v.ni. 17013
lIuyer(e): Jo..ph Beller
724 Harvard Road. Bala CYnWY4. PA 19004
If th.r. ie ~r. th.n one lIuyer. each of you will b. ob1ig.ted. Jointly
.nd ..v.ral1y. for all .~ due and for the perforaanc. of all .gr....nt. a.
provided in thie Contr.ct.
Und.r the t.r.. of thi. Educational Good. and S.rvice. a.tai1 In. tal1-
..nt Contract, you have agreed to pay the expense. incurred for good. and
.ervic.I to be provided .nd rendered. as the cas. aay be. to JOY
(hereinafter "Student") during his/her enrollment at
Dickinlon College during the 1984-85 acadelllic year, including
tuition. rooa and bo.rd, books and 8upp1ie. as herein Itated (hereinaftlr thl
"Goods and Servic..").
Th. Goodl .nd Servic.I .ha1l include only the following: Tuition
an4 r~ and board
11. TEJUtS OF PAYMENT AND PAYMENT SCHEDULE
Disclolures Required by rederal Law
ANNUAL rIlWICI AMOUNT FINANCED: TOTAL or TlnAL SALE
PIaCENTAGI CHAaGI: AIIIount of cr.dit P A YHIN'l'S: PRICI:
lATI:" Dollar _un provided by AIIount paiel Totsl COllt 01
COlt of credit credit will Dickin.on Col1eg. by lIuyer .. purcha.. on
as y.arly rat. COlt Buyer total of all credit. in-
Ich.du1ed c1udinl doVQ
payunea p.yunt of
$ .I'!I........O
13.'" I $ 1.181. ." $ 1 . SOO. 00 $2.681. 7' $n,UA.AO
(
III. ITEMIZATION OF AMOUNT FINANCED
1. CAlh pric. of Goode and Service.: $ 11,040.00
2. Total down payment: 9,540.00
3. Unpaid balance of cuh pric. (l - 2): 1,500.00
4. AIIOunt paid to othere on Buyer'. b.ha1f: .00
5. AIIount Unanced (3 + 4): $ 1,500.00
IV. CREDIT INSURANCE
Cr.dit life insuranc. for the term of this Contract is not requir.d.
V. NO WARRANTIES
TlIED ARE NO WARRANTIES, EITHER EXPRESSED OR IMPLIED, GIVEN BY SILLER IN
CONllECTION WITH SALE OF tHE GOODS AND SERVICES COVERED BY tHIS CONTRACT UNLESS
IUYU lIAS liEN GIVEN A SEPARAtE WRIT'IEN WAlUWITY.
VI. ADDItIONAL PROVISIONS
1. Buy.r aar.e. to pay Seller the Total Sale Price by makinl the total
down payMnt and payinl Sell.r the Total of paym.nt. in the numb.r and ..cunt
of .onthly payMnts .hown in the Payment Sched~l.. paym.nts are due on or
bofor. the .... date of .ach month a. the fir.t pays.nt dat.. PayMnt. must
be ..d. to Indu.tria1 Vall.y Bank at the following addr...:
Industrial Vall.y Bank
P.O. Box 433
Upper Darby, P.nn.y1vania 19082
2. luy.r'. l'la1 riaht. includ. the rilht to pay all or part of th. .-aunts
due on this Contract in advanc. of th.ir due dat.., to obtain a r.fund or credit
of un.arn.d rinance Chara' wh.n.v.r th. .-aunt is paid in full in advanc., and
(vieh S.ller'. con..ne) to r.inetate the Contract if Buy.r ti..ly cur.. any
default.
3. IUJer .hall b. d....d to have co.-!tt.d an "Ev.nt of Default" of eh.
Contract upon the occurrence of any of th. fo1lowin,:
(a) failure to .ak. any payMne on or be for. the date it 1. due,
(b) failur. to ask. a payMnt on any other contTaCe out.tandin,
with Selln,
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(c) faUure to parlon any other provision of the Contract, .
(d) providinl S.ll.r with fal.. infor.ation or .ilna~ur..;
(e) death, incomp.t.nc., or conviction of any Buyer of cri.. in-
vo1vinl fraud or di.honesty,
(f) in.olv.ncy or bankruptcy of any Buy.r.
4. Upon or after the occurrence of any Event of Defsu1t, S.ller will
provide Buy.r with notic" by c.rtified mail a. r.quired by law, .ddr....d to
luyer'. la.t known addre.. a. .hown on Se11.r'. record., advisinl Buy.r of the
default and of Buy.r'. rilht to cur. the default. Th. notio. will provide the
tl.., -.aunt and performance nece..ary to cura the default. If Buyer does not
cure the default a. provid.d in the notice, s.ll.r'. rilht. .ha11 include the
rlabt to dec1ar. all .um. due on the Contract to be imm.diat.1y due and pay.bl..
S. Waiv.r by S.ll.r of .ny ev.nt of d.fau1t .h.11 not b. bindina upon
Seller if S.11.r should th.r.aft.r choose to .x.rci.. that or any oth.r rilht
or a .iDi1ar Event of D.fau1t occurs later. All Se11.r'. riaht. and ra..di..
shall ba cumulative. Se11.r'a exercise of one or more rilhta ohal1 not caus.
Sell.r to lose any other rilht..
6. Thi. Contract i~ fra.1y as.ilnabl. by S.ller. Buyer air... that upon
rec.ivinl notic. of the assiloment Buyer sh.l1 b. ob1ilat.d to the Aa.lln.e
of thi. Contract, which As.ilnee shall have .11 of S.11.r'. rilht. and ra..di...
7. If any part of thi. Contract i. h.ld to be 111'lal, void or un.nforc..bl.,
that provi.ion shall b. d..m.d not to have be.n a part of this Contract, which
ahall otherwiae remain fully .ff.ctiva.
8. The lawa of the Commonwealth of P.nn.y1vania .ha11 apply to thi. Con-
tract axc.pt to the ext.nt supplemented, sup.r..d.d or pr.-empted by fadara1
law.
9. Thi. Contract aha11 be bindinl upon the partial h.reto, their h.irs,
aucca..or., a.ailna and 1ela1 repr.sentative..
10. TIKI IS or THl ESSENCE or THIS CONTRACT.
MCnICI: AMY B:lWlll or THIS CONSUHEll CREDIT CONTllACT IS SUBJECT TO ALL CLAIHS
AJID DIFIIlSU WHICH THE DElTOR COITLD ASSEJ.T AGAINST THE slua or COODS 01
saVICES OITAINED PUllSUANT HERETO Oil WITH T1lI 'ROCIlDS HEREor. RECOVUY
HUlUNDIIl tY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DElTOR HEUUNDEll.
MorICI TO IUVU: (I) DO NOT SIGN THIS AGUDWl'f IUOIl YOU RIAl) IT 01 IF It
COIltAINS AMY lLAn SPACI. m YOU AIlE IJITITLID TO A COMPUTELY PILLU-Itl con
or t1I15 AGIIDWfT. (3) UNDU THl LAW, YOU MYI THE IIGNT TO PAY orr lit ADYAIlCI
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