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DAUPHIN DEPOSIT BANK
. TRUST COMPANY,
plaintift
IN THE COURT or COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
.
.
v.
CIVIL ACTION - LAW
q4--(P4jl (!AALJ~
No. S 1994
WILBUR H. CLIFTON,
Detendant
MOTIC. - COJI.LAIIl'1'
YOU HAVE BEEN SUED IN COURT. It you wbh to defend
again.t the claim. .et torth in the following page., you mu.t take
action within twenty (20) day. atter this complaint and Notice are
.erved by entering a written appearance personally or by attorney
and tiling in writing with the court your de tense. or objections to
the claim. .et forth against you. You are warned that it you tail
to do .0, the case may proceed without you, and a judgment may be
entered again.t you by the court without turther notice tor any
money claimed in the Complaint or for any other claim or relief
requested by the Plaintift. You may lo.e money or property or
other right. 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.
PROTHONOTARY'S OFFICE
CUMBERLAND COUNTY COURT HOUSE
1 COURTHOUSE SQUARE
CARLISLE, PA 17013-3387
(717) 240-6195
NOTICIA
Le han demandado a u.ted an 1a co~te. 8i u.ted guiere
de tender.. de e.ta. demanda. expue.ta. en 1aa paqina. .iguiente.,
u.ted tiene viente (20) dia. de plazo al partir de 1a tech a de 1a
demanda y 1a notiticacion. U.ted debe pre.entar una apariencia
e.crita 0 en per.ona 0 por abogado y archivar en 1a corte en torma
e.crita .u. deten.a. 0 su. objecione. alas demandas en contra de
.u per.ona. Sea avi.ado que .i u.ted no .e defienda, 1a corte
tomara medida. y puede entrar una orden contra u.ted .in previo
aviso 0 notiticacion y por cualquier gueja 0 a1ivio gue e. pedido
en 1a peticion de demanda. U.ted puede perder dinero 0 .U.
propiedades 0 otr08 derecho. importante. para u.ted.
LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO
TUNE ABOGADO 0 SI 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 PUIDI
CONSEGUIR ASISTENCIA LEGAL.
PROTHONOTARY'S OFFICE
CUMBERLAND COUNTY COURT HOUSE
1 COURTHOUSE SQUARE
CARLISLE, PA 17013-3387
(717) 240-6195
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DAUPHIN DEPOSI'r BANK IN THE COURT OF COMMON PLEAS
. TRUST COMPANY, CUMBERLAND COUNTY, PENNSYLVANIA
Plaintitt .
.
.
.
v. . CIVIL ACTION - LAW
'( .
"
, WILBUR H. CLIFTON,
Detendant No. S 1994
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1. The Plaintiff Dauphin Deposit Bank and Trust Company
("Dauphin Deposit"), is a Pennsylvania Corporation licensed under
the banking laws ot the Commonwealth ot Pennsylvania with an ottice
located at 3607 Derry street, HarriSburg, Dauphin County,
Pennsylvania.
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2. The Detendant, Wilbur H. Clitton, is an individual and
was last known to reside at 973 Big Spring R~ad, Shippen.burg, PA
17257.
3. In connection with a car loan tor the purpo.e ot
tinancing the purcha.e ot a 1989 Chevrolet Blazer, Detendant
executed a "Pennsylvania Motor Vehicle Installment Sale Contract"
in tavor ot Dauphin Deposit (EXhibit "A").
4. Pursuant to Er.hibit "A" Dsfendant agreed to make payment.
in monthly installment. of $350.31 to Dauphin Depo8it for a term of
60 month. payable on the 15th of each month.
',;
5. The Defendant haa defaulted under the term. and
conditions of said agreement, in that he failed to make sufficient
and consiatent payment a in accordance with the term..
.
6. Defendant was given notice that the car waa .old at a
public sale by Dauphin Depoait on October 27, 1992. (The Notice of
Sale ia attached hereto as Exhibit "B").
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7. Total proceed. generated by the public .ale were
$6,500.00. Co.ts of aale were $275.00. The net amount applied to
the principal owed on the Defendant'. account waB $6,225.00.
6. Demand of Defendant has been made by Dauphin Depo.it and
Dauphin Deposit'. counsel for the principal balance of $3,265.82,
plus accrued intere.t.
7. Defendant has refu.ed to pay the deficiency balance owed
and i. therefore liable for intere.t, attorney'. fee. and cost. of
.uit.
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8. The following amounts are due on the loan:
Ca) Unpaid Principal Balance $ 3,265.82
Cb) Interest through 11/10/94 530.37
Cc) Attorney's 20' Collection 759.::14
Fee
TOTAL DU. $ 4,555.43
i
WHEREFORE, Plaintiff demands judgment against Defendant in the
aaount of $4,555.43, consi8ting of the principal due in the amount
of $3,265.82, interest through November 10, 1994 in the amount of
$530.37, and attorney's tee. for collection in th.. amount of
$759.24, and Plaintitt turther demands judgment against Defendant
tor all interest accruing atter November 10, 1994 at the rate ot
$0.45 per diem, and C08ts ot suit.
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Respecttully submitted,
ADLER , CLARAVAL
Date: November 10, 1994
By' c.. if\.
. Craiif r. wer, Esquire
Attorney's I.D. No.: 52970
Date: November 10, 1994
By: t.~ ~ ,/-. ...J) / CIA.
ROBERT F. C~
Supreme Court IDI 19222
ADLD , CLAIl&'1AL
atto~aeJs fo~ Pl.iatiff
125 Locust street
P.O. Box 11933
Harriwburg, PA 17108
(717) 234-3389
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VERIFICATION
I hereby certify that I am the Community Lending Officer of the Dauphin Deposit
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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 of my knowledge,
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information and belief.
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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.
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SUSAN C. L U; C MMUNITY LENDING
OFFICER, DAUPHIN DEPOSIT BANK
PENNSYLVANIA MOTOR VEHICLE INSTALLMENT SALE CONTRACT
REP~ ~ cr..:;:: ':' ~lfft WlEME~T UNDER FEDERAL REGULATION Z
. ua-......,."',~JUI~ .
, , Dat.__
1107437
Il( .1.L, 19~
\',JII'I'I . CLH'jCl _.fl~K:LllL___ll.llLU:.J III (' J:l. n,!J7
.,., IN...... III All ,,,,till tNo .nIl ~rr..tl ICII,I 1~1.I.t Ill. CIdII
IU'lLlll' ct:IVIO.!'J (0. j'O, J:'n /.r,lJ.JlJjj_L.J1 J',)r:~
SIIIIt ",,,,,,"0.''''1 tNo.IId$1I1tl1 lell,I 15l11tj CliP.
s.teIt 1IfI,lo By,., I.tueh mu", ,nw .nd.1I BUYIRS. who II molt Ih.n on. ,h.1l bt 101nll, and "V'f'U, lI,bl, hlltOnll". .utomobllt 0' mobll.lY1m. d.Kn!Md bllo. ..U, 11l..llId,,,,,,,"t...ccn..,....M
IQUlpmtftlnow .Ihud II Illht"I".lI!~~lltd to~~~!~~) upon I~. .1"'!I' !!'I~~I.~ ~U,~'f !~!fh d'~",~~_~~~,!,~ oll~., _
[ LENGJHa/ldO!SCRIPlION ~ b
NJ~W Y!AR MAKE 0' J~O! NAM!_ _ N'::_~!~'?:I~~~:~, _..'_ ,_~~~R ":~,MOOH __ S!RIAl No
III 1'-;[," --~-I~(.J(l~-- , .i..\,____,____ III :-Jr 11.'1 1C~('jlUIJ~l](i(~l
DI5CRISI
!XTRA .
I IPM!NI .
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ANNUAL
'IllCENTAGE
RATE
The C061 of ~OU, cred,l" a
Y'If'IYrlle
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FINANCE CHARGE
Thll" dollar jl'nOlJnllhf c,edll
*111 cost you
Amounl Fln.ncod
The amuunl 01 ~rflht
proVIded 10 you 0' on yom
bthdlf
T Dill Silo "Ie.
The 101111 cost 01 ~r porch...
on crtdlllncludlnl10ur down
pay"","1 01' ._--~c...A--
Vou, llOyment schedul. will be:
Hum.., of P..,tMflb Amounlol p..,mtnt, WNn p..,menl$ ~r. Du.
~ 1---:;:1 ':~F~".n,". 'I !': [~l
You m.y obt,in property insurance, when required, from anyone Ihat is
Kc.pl.bl. 10 Bank.
"'1IriIJ: Vou a'. SlVlns a ..cu"ty Int.,..lln Ih. Sood. bel/lS purcha.ed
Official ,... S __~L.~..U__ Tales $ ~,~': . ~ ':
,"",rmenl: If you pay oH early, you will 1101 hav'lo pay a pe/lalty.
Aloumpllon DllCloIuro 'Of rolldonU.lmCtr!p1O l'lnll.llon"
Someone buyine your home cannot assume the remainder 0' the
mcrtple on the original terms,
Addilionlllnform.tion: See below for anJ' addlttonal In'ormatlon about
nonpaym.nt, default, any rrQulred rrpayment In full before Ihe scheduled
dale, and prepayment rerunds and penaltle5,
'l'MM1'.'llmtle
ITlMIZATION OF AMOUNT FINANCED AND STATE DISCLOSURES
(I) Ca.h Price olv.h'ele lI1cludlns E,I,a EqUipment $.. .1.~ 1. ~~,.n
(2) C..h Down P.ymenl $:, :,C. U.. .
Alr..d Valu. ($.. . j,; l,l .,Ll..) 01 frad.,ln
I... .ncumb,ance ($ ,. .../ j",). MalS, 1.\ I [,r J 'I
Mod.1 J,H'...... V.a, .J!:iL.,., S;U.."",
Buye,'. Tolal Down Paym.nt $.... ,)!,~LJ.{
(3) UnllOld Balanc. 01 Ca.h Price
(It.m (1) M,nu. It.m (2)) ...................... $...l:;.:'A..U
(4) In.u,.nc. Pr.mlum Cost 10' paym.nl of which Seller
exlend. c,edllla Buyer.. .... .... .. ...... .... $..
K,"d~ of Insurance (Check Proper COyeraKe)
Amount Of htent 0' Insurance on Vehicle' aClua' Cash Value
lolS Payable to Buyer. Sellfr and assilos as interes~ may appea"
Term. , ... .., Mas
o FII. and Broad Form Theft
o low"'l and Labor eo'l
o ComprehensIve"..
o ColliSIon ,.
o Comtuned AddItional Coveral'
)'Ill Tot.1 C,ed,ll,I.ln.uranc.. $... ." ,( (,: ..< )
; ~ CredIt ACCident & Heanh Insurance $,. :;1'/) ..1 ('
Liability Inlurlne. Cover... tor bodily Injury .nd prop.
.Ity dtIrn1p caUMcl to others II not includecl her.in,
(5) Other Costs a. 'allow. (l1.mlZ.) . "
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. , , DeduClibl.
, .. Deductible
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r i ,I.. 1.' lIJ,'. i '. I ~.. . "; ',', I
(I, I j( ! 1/.,
(6) P'lnclpal Amounl Financed
(Sum 0' lI.m. (J) (4) a/ld (S)) .
(1) Finance Cha'ae .
(8) lime Bal.a"c. (1otal 0' Paymenh)
(Sum 0' It.m, (6) and (Ill
1 J ~ '~ (,f, .,'; r
$ , ... [:, ,.~.c f
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EXHIBIT
I A
T 0111 ., '.rm.nt.
Th!' llmounl rou *111 hall.
pllld Ilt;)r you hall' made III
poIymenh IS ~.chedu'~
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Buyer prom I... to pay th. AMOUNT FINANCED, 10S.lh.. with FINANCE
CHARGE on Ih. Unpaid Balance alanyollic. 01 DAUPHIN DEPOSIT BANK
and TRUST COMPANV, H.",.bu'I, PA 17105, in (L, equ.1 succ...I\II
monlhly In.lallm.nl. 01 $ . ;,~ ( .. :..l1d . Iin.1 installment (i. dIH...nl) 01
. . l'/.Jr./l'
$, .., .., ........ beSlnmns on .." ~ ,..",..,........,......,......,
Unlit ,!Ilnsl.llm,nls and all olh" "mcurlls dut h".under h,VI be.n paId, Sell.r, II
Utcuuly rnr payment 01lnl5 loan in .ccord.nce With Ih. t.rm, .nd condltlO"S 0' Ihll
alr"lnlnl, ,.I,tn5 tillelo lh. v,hlcr..nd Buyer hlt.by Iranll 10 S1l1tr 'If(urlly int~..1
under lh, Pennsylvania Uniform Comm,rCI,1 Cod,ln lh. iM"'Ib!td molor V.hICI., loc.INr
With ,II pilrtS. .Uachm.nls. "'ctnori.. and .qulpment now or hlr.."., '"'Medor I"atlllled
1011'1, motor \/,hicl,. which I' instlll.d h,rlltt., will con.hlut. ,ft.r ICquirld property, the
IlrOutds th,reof. ':'ld an 'UII"m,nf 0' insur,nce proc.-dl.ln the mnt ofdtflUlt, 81"11
hots, by 1.".11 '11hl 01 SI' oU '.'lnSI anvb.l.nct du.h.'tund., montlSoI Buy.' ",hICh.r,
now or may be 111111. lulur. drpoUed *lln or owtd to Buy., by Selt., or Sink
HOW JH( fiNANCE CHARGE lSCOMPU rED' Th. 'Inance chlr,fconlllll.. !tOt.!y o'inl,''''
computed diUly on Ihl!' 0111<11.1111'"1 bal,nc. ollh. .amount 'In.nud ft." 'IMII1I:" ch.,..
\hown .bo~. 1'1.\ b.,n compuled on 11'1" .\\umphOn lh,t .lIln,t.llm.nIS Will be 'ft:t1I1,d
on Ih'tr seh.dul.d due dllln If iJny Inst.llm,nllS 1.1', Buy.' .111 b. oblt..t,dlope., mo,.
Ilnanel' ch.1rl.lholn 1\ shown bllClUs, ul 11'111 Iddlllorlal ,nt'''$1 which .ecruts It Bu.,.,
pay" urt." 11'1. '!M,)nCII r.h"I' Will b. I.n Th. amounl of th"lncrus.or d,c'.." Will ~
dUPwllh 11'1, h."t paym,nt, WhlChwlll1a modl'I,d .cco,dln.'y Buy.r mly P"P.., .11 or pe"
III Ihtl bdlanc. dll' atony tunlt, Without penally or pr.mlum
IUYlR'S RIGHTS ON DI'AUU
If lh, v.hlcle III r!f)O!I".'!\f!rt, Buv-r sh.1I have thl rllht 0) lo,edftm it (I) ""It"in l!)dey,
atter nlltlce ot rt'pll.."""..Ulll by Pllym. the full unpaid Total ot P,ynllnls, .nd ,tl oth,r ehlre"
,lnt! .wpen,!!'!! itlJlhorl/t!d by 11'1. 111* lIf P.nn$yl\l.nl',I,u r,bll. 0' unt.rn..:J ","ance ch.,..
or Ib) wllhm any turth,r 11m' bttfo,. S.Uer "iIS dls(:IOWd 01 Of' conlracted to dlspou 0' II D1
paYln. all sum, dUI undlr Ihls al,..menl .nd aU Ch.r"$ and .ape"", lulnomtd b11aw:
f 1) 10 $.II'ry Iht$ 13hhlillllon wlll'l Stll,r's 'I,"m,nl by II). wrllt," r."unci.liono' hi' '11hl to
In. \I,hlel, Of' (b) 10 Ih, '.I.nt p.,mln.-d by 'PQUcabl.lllw, by" f.lfu,.toobjecl wllhin JOd.p
to. proposal by Stll" 10 '''lain th. ....tucl. In satlsllChon. (3) 10 r'lnstat. It'll cont'ICI on
mulually sahsllCtOry I,,",s II S.1I,r .at.nd, Ih. prillU... 0' r.lnSlat.""nt,
NOTlCI CDNCUNING ,",un INSURANCI
Buy,r m.y choose tt'll p.,\On Ih,oulh whom ,ny proptrty in1ur.nc. Is 10 be oblalned'or
which p,emlums .n! Includ.d In the .moun' 'tn,nced, subllCI 10 the .cc.pllblllty to Sell.,
0' Ih. Insur" sel,clld
CRIDlTINSU.ANCI
I tully und"'tand Ihlll no b,n,fit sh.1I be Pl1.bl. und.r Ihl, .roup policy Wln'l respecl to
my Indebt.dness for dl\lblhly "Iullinl 'rom P",.ISlinl tltnlSs, dIM"', or ""1\IClI
condition 10' whICh I llIilI\ totally dlubl.d 'I.ny time durinllh. 5i" month. prlCedinll....
'''.ctllll dal. 0' my In,u"nee cowral'
'ne purcha", O'C"dllll" .nd Accld,nt & "Italth Insu,.nc, cov.r'l" If. NOT rlQUired
Ill' (rtdll I/W, wolnllh. r,O\l.rll"(S) cn,cked lor Ih, p,.mlums snown below
IUYlR .o-IUYIR
Q ,Crtdllllr".____._.____t.(.~.....(.l--- a Crtdlll,'.s
r, Jrtdl' ACCident" Hflllh f'tr~l4---
"~'.H~:~
. . yt.rs..,... .
PrODOII.d 'nsur,nce C.."u,r
[J U511'1 CRIOI J LIr! IN3URANCI COM NY. SCHAUMBURG, ILLINOIS
rJ" .,,(,{,":~r,',H,,'.}.,I...h(;....(,..(;.......,.......,.,..
ThiS contracl is subject to tn. addillonal provisions includinl TH[
NOTICE OF PROPOSED CREDIT INSURANC!. set forth On In. revers. sid.
hereof, the 'am, beinl incorporated her.in by "'erenc.
NOTICE TO BUYER
DO NOT SIGN THIS CONTRACT IN BLANK,
YOU ARE ENTITLED TO AN EXACT CO'Y OF THE CONTRACT
YOU SIGN.
KEE' Il TO P~OT'~OUR ~E7 RIGHTS,
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1111.,.n
(SEAL)
(SEAL)
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~ '!' r \' II . ! ,ADDITIONAL TERMS AND PROVISIONS, '
A, In!lW.nt..lIIlydllvlllh"j physlc.1 d.m.se Insurance in f",m .nd .mounls s'lis'actory 10 ,eller.ln .dd"lon lolhe remedies p,ovld"!llh pa"'''Pl'i
C baldw, If buyar f.II, 10 oblaln Ihe insur.nce, ~eller sh.1I h.ve Ihe rishllo obla,n iI.t Buye'..'plln5ll Buye, .'5Iln, to ,ell.r oil ",hi 10 ~oIille PfOCetllF
bf In,u,,nce nole.ceedlnllh. unp.,d b.l.nce hereunder, d"ects ahy In,urer 10 pay all il!.oceed,directly 10 seller on,hul"o,I,.. seller 10 ,ndorse .ny
dralt IIlI t~ proceeds.
B. M.lnl.n,nc.. Buyer will keep Ihe vehicle in lood condition and Iree Iroon .11 hens, will pay promplly .111.... .nd IOsusmenls upon II III wllh
"'plCl tollau18, will nol u,ethe vehicl, 'or hire 0' lIIel.lly or dispose of 0' ,ncumber it, .nd Will nol remove the vehicle from P,nnaylvonl. wllhoullhe
prllll wrlll,n r.onlOnl 01 lOll",
C. Del.ull. Th. occurr,n" of .ny 01 Ih, followlnS sh.II be . del.ull hereunder: (I) I.llure 0' buyer 10 make any paymenl hereunder punclu.lly on ii,
dued.le 0' lawfull.le charle or Insurance premium or demand or 10 perlorln any of his obhl.llons In thi, contract, (2) buyer', dealh, (3) In,liIullon 01
Bny proceedinlln bankruptcYOt receivership or insolvpncy, by or aBalnst bu~p., or hiS properly. (4) condemnation or forfeiture action alit1n,' the vehicle
0' \5) issuon" 01 ..ecutlon process '1l8ln,1 anv property of Ihe buyer. In Ihe evenl 01 . delaull, seller ,h. II h.velhe "gl1llo (,) decl.re.1I unpaid
installmlllntslmmediately due. (II) enter any premises iJlld without breach ot the peace take p05~eS510tl of the vehicle and anyo' Its contents (which mey
be held by seller lemporarilv for Ihe buver withoul responSlbll"y 10 hlln) "seller repo"ess", Ih. vehicle l1e sl1"II havelhe "Shllo renlll or dISpose 01 It
by public or private sale, The proceeds 01 sale, less all e.llpensps, will be credited against the nmollnt due hereunder and buyer Will be liable lor any
deficiency, All seller's rlehls hereunder are cumuldllve and 110 WiJlver of any defdlJlt shill! aflecl any laler defdult,
D. Warranties. Buyer warrants that any automobile or mobile home altered tn trade lur Ihe vehicle Islree frum any lien, claIm, encumbranCfI 0' security
interest. eKcept as noted on the 'ace hereol
[, Miscellaneous. (1) loss or damage to the vehicle Will not release buyp.r. (2) ThiS agreeml'rl bmds and IS 'or the benefit of buyer, his heIrs and lel.1
representatives and seller, tts successors and assigns (3) If any part 0' thiS lJgreement is adludged invalid, the remainder will not thereby be Invalidated.
(4) Thl, writing contains the full, tinal iJnd eltcluslve slalemerlt of the agrpement of the parties (5) Notlceto buyer shall be deemed 10 have been given to
him when !\ent to his address above stated (6) Sellllr and Its aS81gnpe are hNPby apPolnfpd hUYl'r's attorney' In. fact to do all acts and thinKS whIch seller
or It$ assllnee may deem necenary to per'ect and con~inlle perfectedthe,securlty inlereo;.t crPitted by thl5 contract and to prutt!ct the vehicle.
I':'\F THIS CONTRACT INVOLVES THE SALE or A USED VEHICLE, HiE INFORMATION YOU SEE ON IfjE WINOOW FORM FOR THIS VEHICLE IS PART or
\""lItHIS CONTRACT INFORMATION ON THE WINOOW FORM OVERRIDES ANY CONTRARY PROVISIONS IN THE CONTRACT m' SALE
NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT
AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEOS HEREOF, RECOVERY HEREUNDER BY THE
DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER,.
-001& not apply if purchased for commerc;al or 3Krlcultural use
.-.---....-------.-. .~.,-_...."-~-----_.
NOTICE OF PROPOSED CREDIT INSURANCE
The 51Iner(5) of this contract hereby take(s) nolice that group credit life insurance coverage and/or HfOUP credIt accident and hfalth Insurance
coverllf Will be applicable to this contract i' so marked on the front of this contract and each such type of cover aile will be written by the insurance
comp..ny named. ThIS Insurance. subject to acceptance by the insurer, cover~ only the person sl~l1tng the request lor such tflSUrance. The amollntof
cha'le IS ",dlC.led for each type of credll insurance 10 be purchased, The lernt 01 ""ural1ce Will commence as ollhe dalelhe indebtedness IS
incurred .nd wllI..p"e on the o"~lI1al scheduled matu"ly dale of Ihe Indebledness SubJect 10 acceptance bV thell1'Lrer .nd Within 30 days, there
will be delivered to the Insured debtor it cer1ificate of insurance fllore fully describing the Insurance. In the event 0' prepayment of the tndebtedness,
a re'und of tnsurance charges Will be mad\! where due
DEALER'S ASSIGNMENT
All 0' the underSigned's right, tItle al,d inter~'3t In and to Ih€' contract on the reverse Sidp. lleren', thl' iJrTlounts duE' and to become due thereunder and to
"Othevehicle ref,erred 10 Iherem Me herebya5sr~ned by undersigned 10 DAUPHIN DEPOSIT 8ANK ;tnd TRUST CO. (hp.retll called Bank) with power to tilke
leial proceedings lfllls name or In the name 0' underSigned With respect therelo Undersl~ned warrants that saId contract compiles WIth all laws, that
undersigned has been duly Itcensed under the "Pennsylval1ia Motor Vehicle Sales. finance Act" and has compiled With the p~ovlstonsthereo'; that said
contract IsgenUtne.lhat lheprlce patd by the buyer as stated in the contr;,ct war; tll r:asl! and Ihilt napart thereof was loaned bV underSigned to the buyer,
that all parhe'\ to said contract have legal capacity 10 contr;)ct, that underSigned had a tlth' dear of all p.ncllmbranCf~s at Ihp. IUlle 0' e:cecution or said
contracl; that reference to said contract appears on the Certlftcate of Tttle or Bill of S,tlt' ;l~ H:oqUlred by Stall' law coveflng saId vehiclE"; that 10
undersigned's knowledge buyer has never violated any laws concerl1lng liquor or narcotiCS, and that buyer has no setoffs, counter. claims or delenses
agalnstlhe payment 0' the amounts due and to become due under the contract; Ihe tltlderSlined WIll tlldemrlify Bank for any loss sustained by it
because of a Judicial setoff or recovery made against Bank as a result 01 any claim tlr defense buyer may have against the underSigned If any of the
'orfeoina: warranties should be untrue, undersigned shall purchase said contract from Bank upon demand and will pay therefore not less than the
unpaid balance owlnK thertJon plus all costs and expenses inC\Jrred by Bank In respect thereto, and saId remedy shall be cumulative and not eltclusivt"
and shall not affect any other right or remedy thai Bank might have at law or eQutty agarnsr understgned Bank 15 hereby authorized to correct paten I
.rrors in said contract and all other papers Signed tn connectIon thereWith
In considerallon of Ihe purchase 0' SOld conlract by B.nk, undersllned ag,ee.lhal underSlHned"'urlher habll,ly 10 B.nk with respect Iherelo sh.1I be
loverned by one of the 'ollowlnl par'llraphs below wbich undersilned's Slgnalure apear. illS aHreed that ,uch paralrapb when ,a sllned shall become
p.rI of lhe "Sllnmenl.
1)
WITHOUT RECOURSE
2)
WITH RECOURSE
Except a5 otherWise provided in the undersigned's wrttten asree.
ment, if any. with you.
UnderSIgned guarantees payment of the amount due on said
contract as and when thl! same shall become due, waiving any
ell tenSion of time made by Bank and walvlnM presentment 'or
payment, protest and noltce 0' protest. and non-.>ayment and notice
of the acceptdflce hereo'
Deatpr
(C;/Jrll'(}ra-tlo'l,' ilH'tj";I(IU~" 0; "'lr"l Nan,,)' , . . . , , (Seal)
By...... ..
By.
. .. (Offlc",r, 'Ow',ie; 0; 'Pa;',;!, :.:. '1ltie)
. (Seal)
3)
FULL REPURCHASE
Unde,signed agrres to repurchase the vehIcle from Bank or AS51gn~ should Bank or Ao;r;'gn~ a~ any tlmp. repoos5ess or come II1toPOS5p.5!\IOrl of It, ilmJ
tender d"lvery 0' the !lo1me to underSlined at underSIgned's place of hU5U1("i5, wlthill nll1ety (gO) ft,lt'i a'ter mdturity of the farlte5t Installment unpatd at
the time 0' such delIvery, lJnrlerslgned agree'!. to PdY. In c.l';h therefor, upon demand. an amount equal to the unpatd balance oWing on the contr.lCt
rela"n. thereto, rt"gardle5s of the need or rPopSlr or condition or sard vehicle
Dealer .
... (Se./)
By.
(Seal)
tl..,6!\II/M
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Dauphin Deposit Bank
end Trust Company
~ llIMV ITNIT, ',0, lOX _, __. ~Y_'7'"
October 27. 1992
Wilbur H. Clifton
973 8ig Spring Road
Shippensburg, PA 17257
RE: Account>> 1107437-9001
Dear Mr. Clifton:
o
Since the above referenced loan is in default the
collateral-security that was pledged on the loan was sold at Public
Sale on October 17, 1992, The proceeds of the sale were applied as
follows:
Total proceeds received from sale of security $ 6,500.00
Minus costs of sale $ 275.00
Net proceeds applied on account $ 6,225.00
AmOUI,!; applied to interest $ .00
Amount applied to principal $ 6,225.00
Balance remaining $ 3,265.82
,,;) PlUG accrued interest $ 9.91
Total Balance Due e 3,275,73
WIlen you obtained your loan you contracted to repay the total
of payments. You are still legally responsible for the above
deficiency balance. To resolve the continued delinquency and totally
pay your account in full please send the balance due of $ 3.275.73
within ten days. Upon receipt of this amount we will report to the
credit bureau that this debt has been satisfied.
If you have any Questions, or wish to discuss repayment of the
balance, I can be reached at (717) 255-2358.
Sincerely,
AJS/tmr
EXHIBIT
I~_-
c:a ~.J1.~~
Alan J~ Small
Collection Manaqer
SHERIFf"S RE'I\JRN
c:x:M<<:tlWEAL'Df OF PErHlYL VANIA:
caJNTY OF aJoIBERLAND
In The Court of Common Pleas of
Cumberland County, Pennsylvania
No. 94-6431 Civil Term
Notice and Complaint
Dauphin Deposit Bank and Trust Co.
vs
Wilbur H. Clifton
Rnhprt [, A Fink. Sr a
, ~UXXXDeputy Sheriff of
CUttlerlllnd County, Pennsylvania, wno being duly sworn according to law, says,
that he served the within Notice and ComDla in t
UpJn Wi 1 hilT H. Clifton
, The defendant at 3: 00
day of November
o'clock
p.M. EST / jD'J!, on the
, 1994 at
15
q71 Big Spring Road. ShiDgensbura
,CUnberllID:! COImty,
Pennsylvania, by handing to
Wilbur Clifton
a true lID:! attested copy of the Notice and ComDlaint
lID:! at the S5l1E! time directing his_ attention to the COil tents thereof lID:!
the "Notice to Plead" endorsed thereon.
Sheriff's CostSI
Docketing
Sezvice
Affidavit
Surcharge
14.00
7.84
So answers J
r~?f~~~~
R. Thanas Kline, Sheriff
2.00
23.84 Pd. by Atty.
11-16-94
Sworn lID:! subecribed to before me
by .
~:::t-~,/~.L
this ~,~ day of ~1H Ik./;'-'---
Deputy Sheriff
19 '/'I A.D.
QYL~' () )hd:.. ,. ~.tf-
Prothonotary
..,
..
DAUPHIN DlPOSIT BANK I IN THI COURT or COIOION PLIAS
. TRUST COMPANY, I CUMBIRLAND COUNTY, PINNSYLVANIA
Plaintiff .
.
.
.
v. . CIVIL ACTION - LAW
.
:
WILBUR H. CLIfTON, . 94-8431 CIVIL TIRN
.
Defendant
NOTICE TO PLIAD
TO: DAUPHIN DEPOSIT BANK. TRUST COMPANY:
YOU ARE HEREBY NOTIFIED TO FILE A WRITTEN RESPONSE TO THI
INCLOSED HIW MATTIR WITHIN TWENTY (20) DAYS FROM SERVICE HEREOF,
OR A JUDGMENT HAY BE ENTERED AGAINST YOU.
Date:
, J./Il/r,lf
BY: fL(A.J4-L
Richard L. Webber. Jr.
Attorne~ for Defendant
386 Green Sprin. Road
P.O. Box 40
Newville. PA 17241-0040
(717) 776-61166
DAUPHIN DlPOSIT BANK
. TRUST COMPANY.
Plaintiff
I IN THI COURT 0' COMMON PLIAS
I CUMBIRLAND COUNTY. PINN8YLVANIA
I
v.
CIVIL ACTION - LAW
94-8431 CIVIL TIRM
WILBUR H. CLIFTON.
Defendant
ANSWIR AND NIV MATTIR
AND NOW co.e. the Defendant. Wilbur H. Clifton. by and
throu,h hia attorney, Richard L. Webber, Jr., and file. thi.
Anawer and New Matter, averring the followin,:
I - 4. ADMITTED.
5. It ia admitted that Defendant did not .ake all in.tall.ent
pay.enta in accordance with the Inatall.ent Sale. Contract.
Plaintiff,
however. expressly or
implied a,reed to allow
Defendant to make pay.enta at time. other than the .pecified due
date.
6. ADMITTED.
7. After reasonable lnvestisation, Defendant is without knowled.e
or infor.ation sufficient to form a belief .s to the truth of the
averments and the same are therefore denied.
8. (Incorrectly Labeled as "6" by Plaintiff) ADMITTED.
9. (Incorrectly labeled aa "7" by Plaintiff) It ia ad.itted that
Defendant refused to pay the . 3,265.82 that Plaintiff ia
.eekin,. It is denied that the a.ount ia owed, for reaaona atated
WHIRIPORI, Defendant re.pectfullY reque.t. Jud..entin hi.
f.vor and a.ain.t Plaintiff.
.' .
"
.
in Defendant'. New Hatter. Therefore, Defendant i. not liable for
intere.t, attorney'. fee. and/or co.t..
10. (Incorrectly labeled a. "8" by Plaintiff) DENIED, for r.a.on.
.tated in Defendant'. New Hatter.
NEW HATTIR
11. Plaintiff expre..ly and/or impliedly a.reed to allow
Defendant. to make payment. at time. other than the .pecified due
date, and therefore waived it. ri.ht to in.i.t on tiaely
payaent..
Defendant had previou.ly notified eaployee. of the Defendant
he did not receive a re.ular paycheck and would therefore aake
more than 1 payment at euch time. a. he wa. paid. Plaintiff did
not object to Defendant'. manner of ..kin, the in.tallaent
payaente,
12. Defendant'. account wae current ae of the tiae that the
vehicle wa. repoe.eeeed. Accordin.ly, Defendant wa. not in
default at that tiee. The repoeee..ion wa. therefore iaproper.
13. Plaintiff did not eell the repoeeeeeed vehicle in a oo...r-
cially rea.onable a.nner' The value of the vehicle .r.atlY
exceeded the a.ount for which that Plaintiff eold it.
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DAUPHIN DEPOSIT BANI( I
, TRUST COMPANY, I
plaintiff
I
v.
WILBUR H. CLIFTON, .
.
Defendant
IN THE COURT or COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
No. 94-6431
..PLY TO .n O'l"l'_
NID .ow, this ~l~ay of February, 1995, come. the plaintiff,
Dauphin Depo.it Bank and Tru.t Company, by it. attorney, Craig I.
Adler, E.quire, and replies to Defendant'. New Matter a. tollow.:
11.
Denied.
It i. denied that Plaintiff expre..ly or
impliedly allowed Defendant. to make payment. at time. other than
the .pecified due date.
Rather, Plaintiff diligently pursued
Detendant. in an effort to have them make their payment. in a
timely manner. Further, any .tatement a. to whether any action or
inaction by Plaintiff con.titute. a waiver i. denied a. a
conclu.ion of law tor which no re.pon.ive pleading i. requir.d.
12. D.nied. D.fendant.' account was not curr.nt a. ot the
time that the v.hicle was repo..e..ed, Defendant. were in detault
at the time of .uch r.po.....ion, and the r.po.....ion was proper.
13. D.ni.d. Plaintiff did .ell the r.po......d vehicle in a
comm.rcially r.a.onable mann.r and the value of the vehicle did not
gr.atly exc.ed the amount for which plaintiff .old it.
..
I',
DDI,oal, plaintiff demand. judgment in it. favor and a9ain.t
Defendant. in the amount of $4,555.43, con.i.tinq of the principal
due in the amount of $3,265.82, intere.t throuqh November 10, 1994
in the amount of $530.37, and attorney'. fee. for collection in the
amount of $7~9.24, and plaintiff further demand. judgment aqain.t
Oefendant for all intere.t accruinq after November 10, 1994 at the
rate of $0.45 per diem, and co.t. of .uit.
"
I
il
I
I
.I.'ICT'ULLY .UIMITTID.
\
DATID:
f'"
February ~, 1995
( I
LK--
crail . Adler, I.quire
Attorney for Plaintiff
Attorney'. 1.0. No.1 52970
:1'
ADLD . CLDAVAL
125 Locu.t Street
P.O. Box 11933
Harri.burq, PA 17108
(717) 234-3289
.
..
..,
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 of my knowledge,
information and belief.
I understand that any false statements herein are made subject to the penalties of 18
Pa. C.S.A. S4904, relating to unsworn falsification to authorities.
DATED:
'l.l>tJ?S
/
SUSAN C. LISLE, COM NITY LENDING
OFFICER, DAUPHIN DEPOSIT BANK
f
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