HomeMy WebLinkAbout94-06701
.
COMMONWEAL TH Of PENNSYLVANIA
COURT Of COMMON PLEAS
Cumberland County
JUDICIAL DISTRICT
09-2-01
NOTICE OF APPEAL
FROM
DISTRICT JUSTICE JUDGMENT
u____ _~____~"-M"'~~_~~~A~N_o:_1.Lf ~Jp 7Q~~
NOTICE OF APPEAL
N01ICl! Ii fJtI~tJfl that the appell.1Il1 has fdl~d 111 Ihe ahovu CUUft uf CUlllmun PltJil5 dll appeal hom 11lL' judgrnmlt rendered bV tht.! District JUSlice
on thu datI.! and Hl the CitSl! fllClltllJllcd Imluw.
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ADD"." U~ .""11.1....."
Cl'.
~~:'='~;~~~;:~'l
IT.t.
II" caUl
Susan McNaughton
Lot 19, Fox Hollow Estate
Shermansdale
PA
17090
10/24/94
~;;~~~fj"~i~'l cons::~~-;i-~:ount V.I. Susan MCNaugh~~~"
- II~"A'U"~i"'''LA"' 011 H'/7~"'H'
CV t9 94-0000470-94 ~~/t"
LT 19 ___ __ .1;']..... W. AJ>r<;~"'" G.....
Thii hlock will be signed ONLY whun this flOlallol1 is rl?qUlred under Pa. -0
" appellant was Claimallt (see Pa. R.C.P.J.P,
R.C.P.J.P. No. tOOBB.
This Notict! of Appeal, whun rt.!cl!lvtJd hy tilt! District JU51ictJ. will op~ralt! as
a SUPERSEDEAS to thu judgme/lt for p055l!!iSIon in thllt CdS!!.
No. 1001(61 ill action before District Justice, he
MUST FILE A COMPLAINT with ill twellt)l (20)
days alter lil"'g his NOTICE 01 APPEAL.
DA'. 01' IUDQ.....'
CI.A... ..D.
S'fJfliJturtJ (J' PwtllO,wla,v or O,.PUIY
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
(This sectiall 01 lorm to be used ONL Y whell aop,.lIallt was DEFENDANT (see Pa. R.C.P.J.P. No. 1001(7) ill actioll belare District Justice.
IF NOT USED, detach from copy of notice of appeal to be served upon appelleel.
PRAECIPE: To Prothollolary
Benef icial
Enter rule upon
Consumer Discount
(Common Pleas No,
QIj-fa70/
. appellee(s). 10 file a complaint in Ihis appeal
NiJme of dppeJlee(sJ
CU~R ..~ ) wilhin Iwellly (20) days allerservice of rule or W?ment of non pros.
~ -'. -K<.c-_
Slgnatur" of .JppelJ.nr or hi, attorn.y 0' .~nt
J'i..~ W' AJ".,I.tIM F.,.-,
. appellee Is)
RULE:
To
Beneficial Consumer Discount
N,me of dppelJ"e(s}
(1) You are notified that d rule is hereby cntered upon you to tile a complaint in this appeal within twenty (20) days after the date of
service of this rule upon you bV personal service or bV certified or rcglstcred mail.
(2) If you do not file a complaint ...ilhin this lime. a JUDGMENT OF NON PROS WI LL BE ENTERED AGAINST YOU.
(3) The date of service of this rule if service was bV mail is the date of mailing,
Date:
Yht). ~ . 19~.
vO~~
~
,~kJ @;rb~
ign.tur, of Prot not. 0' Deput)'
Aope 312 90
COURT FILE TO BE FlU!) WlTlll'llOTIfONClTAflY
NOTICE OF APPEAL
COMMONWEAL TIt OF PENNSYLVANIA
COURT OF COMMON PLEAS
Cumbc.land Couuty
JUDICIAL 0lSTR1CT
O~-2-01
nlOM
DISTRICT JUSTICE JUDGMENT
COMMON PlEAS No '-i!'l ~(p7DL CllJ..J.__~t1
NOTICE OF APPEAL
NOllCl' IS HP~lm Ih.11 Ilw .lppcll,1I11 11.1\ fdl~d III lllp ,.IIl)"'" COlllI 01 COllll1l1l11 PleoJs ,III .IPIH',lll101ll the jutlIJ"wllllt'IHII'll'd lIy till! OI'iOict Justice
on 'ht~ dalt! Jlllllll thl! C;I~I~ I1lcnlllllwd Iwluw.
Sualn HcNaughton
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tit'...
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"",.
II" C:DD.
iii'iiii'Cll. ",.....':i.:.ii,'
Lot 19, Fox Hollow l::atato
~jhOrrlli1nlld,....lC!
pJ\
17090
10/24/94
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COnRUII1.}r [Ii ~IGOllll t v.\. ::'usanl.lc.t:I;~u'J_hton
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v
__.,___.~ ___ __.___.:rUJ~L_J~LL,j/,...\ I!.r,;
/I appellant was CIJi"wn, ($(,'(.' P.l. R,C.P.J.P.
No. 1001(6) in actioll before District Justice, he
MUST FILE A COMPLAINT w/rMn rwe"ry 1201
""ys "/I/)r IIIi"g his NOTICE of APPEAL:
DA""ii"D";;,UPQM."",
~o.-'-
94-0000,170-9'l
CV 19
LT 19
--~---~_.__._--
ONl Y whl!ll 11m 1l0t.ltlO!l IS f1!qtllll!l1 WHim P.I.
Till!. hluck wdl he \ItIIWd
R.C.P.J.P. No. 1008B
Thi~ Notl(:1l (If APPI!t1I, wlwll II!Ct!lVI~t1 hy tilt! Dl~tflct JlIstll:t~. will OP'~liIW ,IS
II SUPERSEDEAS 10 the jutlumetll 'Of pmswslOlIlll tlw. C.IS!!
Slll,"'III'" Ilf Protlw.'/Ur,uy or (J/'PlHY
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
(Tllis section of (or", to In' "sm( ONL Y when aOlwll,lfIt ~v.lS DEfENDANT (s,.'e Pa. R.C.P.J.P. No. 1001(7) in action before District Justice.
IF NO T USED, cletach from copy of noticL' of <Jllln'al to Ile sl."rvL'clllpon iJpPL'lIt.'".'J.
PRAECIPE: To P,uthullol.rv
Deneficial
Enlllr rule UI)Q1l
Consumer Discount
ICommon Pleas No.
qf./ -1D701
. aPlU!lIeelsl, to file II complaint in this appeal
N"me of .JPPt'lIt!tdll
CtiJ ..;itu.\ ) WIthin twenty 1201 days after SClvic:c of rule or suffer
--
Slgnilrur" of .Jppt!/I.Jnr or hll arrorn.y or dgenr
.h]"'~r I.) AfJl.;I_Ch~ J:"y.
RULE: To
Beneficial Consumer Discount
. ilPpl.'lIl'elsl
N.JlUt' o( .JpPI.'lIt'/J(s}
(11 You are nolified tthlt J rull! is heceby l!nll!rccJ upon YOll to filtl a complaint in this appt!JI within twenty (20) davs alter the datc of
service of this rule upon you hy personal service or by certified or rcgtsll!red maiL
(21 II you du nut '010" complaint, within thIS 111110, a JUDGMENT OF NON PROS WILL BE ENTERED AGAINST YOU.
(3) The uahl of ser\i~ctl of thiS rule jf scrviCl' was by mad IS the dall! of mailing.
Oato: 'J1tJ(). ~ ,19'1V
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AQpe 312 90
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SAlDlS, GUIDO,
SHUFF "
MAS LAND
26 W. Hlah S,,<<,
CarIl,I.. PA
Dollars per month for a thirty-six (36) months period.
S, Pursuant to the terms of said agreement, the Plaintiff
advanced to the Defendant the sum of Four Thousand Three
Hundred Twenty and 00/100 ($4,320.00) Dollars.
6, Defendant defaulted under the terms of said loan by
failing to make the monthly payment for July 1994, and
subsequent installments.
7, There remains a balance due of One Thousand Seventy
Nine and 78/100 ($1,079.78) Dollars from said loan.
8. Pursuant to the terms of said loan, if the Defendant
failed to make a payment when due, the Plaintiff is entitled to
demand immediate payment of the entire balance owed.
9. Despite repeated requests, the Defendant has failed to
pay the Plaintiff the balance due.
WHEREFORE, the Plaintiff respectfully requests your
Honorable Court to enter an Order in favor of the Plaintiff and
against the Defendant in the sum of One Thousand Seventy Nine
and 78/100 ($1,079.78) Dollars plus costs and interest.
Respectfully submitted,
Dated:
l;l-,? -q Lf
SAIDIS, /~,'~~H~~MASLAND
'..- ~/~
John~ J. D y, Esquire
2~_~est Hig Street
C~~isle, PA 17013
(717) 243-6222
Attorney for the Plaintiff
welcome to ^Beneficial~
DEAR BORROWER: Please read Ihls lorm and ask us any questions you may have, In this form we are using the words I, yo, and Yullto mean atl persons algnlng
Ihe loan A reemenl secllon as a Borrower, The words W. II and OU refer 10 Beneficial, the Credhor,
hem~atlon of th. AMOUNT FINANCED of S 3001,80
S 7 79 , 11 Amount Given to you directly by us (CIIa<k III you)
S 1868,70 Amount paid on your account
(II<< lUJil/Of-PrIor ilcCOlltll)
Amount paid to others on your beha~
(Sum 0/ '/ItIIJ A rtJrouQh F bIlloW)
S none
S
S
S
S
S
Disclosure of Credit Costs
"
Creditor:
s
555.99
BENEFICIAL CONSUMER DISCOUNT COMPANY
1 S HANOVER ST
CARUSLE PA 17013
A. Schedule A Sublolal
D. l~e Insuranc. Cost paid to Insurance
company
C, Disability Insurance Cost paid to
Insurance company
0, Personal Properly Insurance Premium
paid 10 Insurence company
E. Involuntary Unemploymenllnsurance Cost
paid to Insurance company
F. Schedule 0 Tolal
S 87,00 Prepaid Finance Charge
211,68
none
-.
Phone Number: (717)249-1515
127.01
155,95
61.35
Account Numbor: 23497544
I You, Nam. and Mailing Add".. I
I Raoldance Add".. " not tho aama I
MCNAUGHTON"ROBIN L,SUSAN
LOT 19, FOX HOUOW ESTS
SHERMANSDALE,PA,17090
Date of loan
tl/15/91
1 st Due Date
12115191
Final Due Date 151lnslal.
11/15194 $120.00
Other Inslals.
$120.00
To be paid In All Monthly Inalalments are dua on
36 the sama day of the month sa the
Mo. Inslalments 1st Due Date,
fiNANCE CHARGE: The amount the credh will cost you, ~ you pay as
IlCheduled,
$1318,20
ANNUAL PERCENTAGE RATE: The co51 of your credh as a yearly rata.
25,41 %
AMOUNT FINANCED: The amourn of credh provided to you or on your beha~.
$300 1.80
TOTAL OF PAYMENTS: The amount you will pay, ~ you pay as scheduled.
$4320.00
Cr.dh laur8lc.: Credh life Insurance, credh disability Insurance. and credh Involuntary unemploymernlnsurance are not required to obtain credlllnsurance wUl
not be provided unless you agree to pay the addlUonal cost by signing below,
CREDIT INSURANCE
ype ost
L~e 0 Single IX] Joint S 127,01
Disability S 155,95
InvoluntalY Unemployment S 211.88
S gnature
o I want Single lJ{e Insurance
, 0 I warn Sing'" lJ{e and Single Disability Insurance
o I warn Joint L~e Insurance
IX] I warn Jolrn L~e end Single Disability Insurance
o I want Involuntary Unemployment Insurance
o I do not warn L~e Insurance
o I do not warn DIsability Insurance
o I do not want InvoluntalY
Unemployment Insurance
By Ilgnllll/ boIow. I COIIItII 11II /loa.
r:bIchd III correcI.
/J~~
~ F~,r' ~
Joint Ule
Set Cost Above
Alongside L~e
IXII want Joint L~e Insurance
Properly '..mICl: You may oblaln properly Insurance from anyone you want ~you obtain the Insurance through us, you will pay the Personal Properly Insurance
Premium 01 S 81.35 ,
Pr.pay.elt; ff you pay off early, you will be entitled to a refund of pan of the Fiance Chrge,
Lat. Chrg.: ~ your payment Is lale (nol paid whhln 10 days aher the Due Dale). you will be charged a Lale Charge unless the InSlalmernlsaxlended. The Late
Charge Is calculated by mutt/plying the unpaid amounl of the payment by ,0005 (based on the rata 01 1,50% per month divided by 30 days) for each day Irom
the due date to the dale you pay the full payment Minimum Late Charge - S 1,00.
SIc.rlly; Your loan Ie 0 unsecured Il9 secured, ~ secured, you are giving us a security Inlerestln:
o Motor V.hlcle KI Certain Household heme
o Propeny purchased whh proceeds of this loan (desCltle):
Your IIemlzaUon of the Amount Financed is shown above,
See your loan Agreement lor any addhionallnlormatlon about nonpaymen~ defauU and any required repaymenlln lull belore the scheduled date and prepayment
refunds, EXHIBIT "^"
CE 364 PA.28 (5191)
Pao. 1 of 3
3928000R7
Nam. 01 Bo"OWfJr: MCNAUOIiTON"nODlN l.SUSAN
ACCOUIII No,,' 23497544
SCHEDULE A
To:
To:
To:
To:
To:
To:
To:
To:
".
itemization of Amount Financed
SCHEDULE B
PERSONAL PROPERlY FEES
Non.flllng Insurance Pramlum, . . . . . . , . . . . . . . . . . $ nnnp
Financing Statement Fee. . . . . . . , . . . . . . , . . . . . . . $ nnM
Termlnallon Stalement Fee (present). . . . . . , . . . . . . . $ nnnp
Tl1Je Transfer Fees, . . . , , . . . . . . . . , . . . , . , . . . . . $ none
Su lement
$
$
$
$
$
$
$
$
Schedule A Subtotal $
Check To You. .. . . . . . . . .. , . .. , , . . . . .. . . . , $
Schedule A Total $
none
779,11
719.11
Schedule B Total, . . . . . . . . . . , , . . . . . . . . . . . . , . $ . none
~OAN AGREEMENT
$
$
$
$
3001.80 Amount Financed plus
87,00 SeNlce Charge plus
1231.20 Discount equals
4320.00 TOTAL OF PAYMENTS
23.27 % per yoar - Rato of Charge
Charge for Ex1analo.1 allot Oua D8Ie
$ nla
PROMISE TO PAY: You promise to pay us the Tolal 01 Payments ahown above. You will pay the latlnatalment on the lat Due Date and the Other Ins1alments on
tho same day of OVelY month through the Final Due Date.
OISCOUNT: Tho Discount ahown above Is figured on the Total of Payments et the Discount Rat~ ahown below. We have calculated the Discount at that Discount
Rate lor the porlod between the date the Discount mils to become due and the Final Due Date oven though thts loan Is payable In Inatalments. Tho Discount then
Is deducted Irom the Total of Payments,
The Discount Rate Is $ 9.50 por $100 por year for the first 48 months and $6.00 por $100 por year lor the remaining tann of loan.
SERVICE CHARGE: The nonrstundable ~lVlce Charge Is calculated on the Total of Paym~nts at the rata 01 $1 ,00 for each $50 or part of $50 01 the Tolal of Payments
up to a nwdmum of $100.00.
EXTENSION: An SJdanslon arises from a wrlttan agreement. othar than this Agreement, to postpone one or more scheduled Instalments to the end of this Agraamenl ~
The Final Due Data. es originally sCheduled (In the case of the first SJdanslon) 01 os plovlously extended (In the case of ell axtanslons other than the flrat axtanslon),
Is the end of this Agreement
W you end we agrsa In wrltJng to extend one 01 more Instalments and you do net Intend to make up any missed Inatalmants In the meantlme. we will charge you an
Exlenslon Faa equal to the eum of the wholly unpaid Instalments remaining In the contract tarm multJpiled by 1 %'4. At the Ume of any axtansloo, the Final Due Data.
os originally scheduled or os axtanded, ahall be S4l ahead ona month lor each SJdanded Instalment
K an lnatalment ramalns wholly unpaid lor 60 daya or more ettar Its due data, we may extend that Instalment to the end of thla Agreement, without your consent W
we do so. we will charge and collect an Extenalon F.se lor such extended Instalment We will deduct the extension Faa Irom your next payment Howover. n you pay
us all or the lnatalments In default, we will not, without your written consent collect Extanalon foes. We will not charge you en Extension Fee and a Lata Charge for
tho lime late Inatalment
LATE CHAROE:We will charge you a Late Charga K you do not pay the full amount of an Instalmenl within 10 days attar Its dua dale and the Inatalment la not extended.
The Lata Charge Is calculaled on the unpaid amount of the Instalment at the rale or .0005 (based on the rata of 1.50% por month divided by 30 daye) for each day
tha Inatalment remains unpaid. The minimum Lata Charga Is $1.00,
PAYMENT IN ADVANCE: You may prepay the amount you owe In full or In part et any lime. K you prepay the loan In full belore the Final Due Dale or any extended
final duo date, we will use the Rule of 78lha Method to calculale your C1edll for the unearned Discount We will calculale your credll as 01 the next Inatalment due '
data thal loilows the dale or prepayment ~ you prepay the loan during en SJdanslon porlod, we will give you sn eddl1Jonal C1edll lor the unearned Extension Fsa._,.
.J
PROPERTY INSURANCE ANO TAXES: You will keep the Proporty securing this loan Insured egalnst loss by lire, theft or comprehenslva risks snd name ue aa a loss
payee, K the Proporty Includes a molar vehicle. you will Insure the motor vehicle agalnsllosa by collision,
CE 364 PA-28 (5191)
Page 2 01 3
Nam, 0180"""''' MCNAUOHTON"ROaIN L.SUSAN
Accoullt No.: 2J.401M4
. .
tEE FOR CHECK RETURNED UNPAID: "you give us a check thaI 15 returned unpaid you will pay the actual charges ch~rged by tha llnanclallnstltutlon upon which
the check Is drawn up 10 a maximum of $20.00 . .
DEFAULT; "you lall to make any payment when due, we can demand Immedlale payment 01 the enUre amount you awe.
ATTORNEY FEES: We may charge and collect Irom you a reasonable attorney's lee plus any court custs " we bring suh on this Loan Agreement
SECURITY; You are giving us a lIOCurl1y Inlereslln the personal propefly ehawn In the Sec:url1y subsecUon 01 the Disclosure 01 Credh Costs ahown on Page 1. The
personal propefly Is described In mora detail In the IdenutlcaUon 01 Sacurl1y form which 15 part 01 this loan Agreement
APPLICABLE LAW: The Pennsylvania Consumer Discount Company Act (COCA), TlUe 7, SecUons 6201 to 6219, Purdon's Pennsylvania Statutea, govel!lf thlt!oan.
CONTINUAnON OF PURCHASE MONEY SECURlTY INTEREST (C~ec. hi II Ippllcabll): 0 This loan rapresents a converalon 01 Benc/wge Account
No. , and thl sums originally advanced thereundar consUMe I part 01 this loan. You Igree that the purchase money BOCurl1y Intareat 01 Beneficial
Consumer Discount Company d/b/a Bencharge Credh SelVlce In thl goods purchased using the above ldentJlled Bancharge Account shalllUlVlvlthls conversion
and remain In ull fo e and affect
WRu: h-.r?:,r?~-'~~ (SA)
e 01 Ii lIoI1ower
Wineu: _I11V/JJclJ.r (SA)
e of Second llooower II I
Wineu: (SA)
SV\lILI. 01 Tl*d llooower (11pIlIiclIlIa)
WlnIU: SV-. 01 Co-Owner of PIl'I"'ly SaclI\'lg Ills LDal (I ,.,...,.,) (SA)
STATEMENT OF CONTRACT; This cornblnaUon Disclosure 01 Credll Costs and loan Agreement SIlVas as the Stalement 01 Contract required by Sec:Uon 6215 01 the
COCA, under which wa make you this loan as a COCA licensee.
CREDIT PROTECTION INFORMATION
Clldll LIII I.d Cradll D1l1blllty Protldloa: The credlll"e and credh dlsablll1y protecUon Is written by The Contral NaUonallKe Insurance Company 01 Omaha, which
la amUiIlrld with us. We will not act as agent, broker or fiduciary lor you on the loan and we may obtain some benefh from the sale 01 that cradll protecUon.
lavolaatary U.a.pley.all PlOCldloa: The credlllnvoluntary unemployment protec:Uon Is wrltton by ~ American Centennlallnsuranc:e Company or 0 Wasco
Inaurance Company. We will not act as agent broker or fiduciary for you on the loan and we may obtain soma benefit from the sala at that cradll prolecllon.
Noa.fllla.I...,u,a: The Chanel Mortgaga Non-Filing Insurance Policy for which we collect tha Non.flllng Premium was Issued to us by l8. Amerk1an Centennial
Insurance Company 0 Wesco Insuranca Company. .
CE 364 PA-26 (5/91)
Page 3 01 3
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Psnr:syl'lcni::
. '.
Benefjcia1 Consumer Discount Company
'is.
Susan McNaughton
~o.
94-6701 Ciyil Term
---.
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~ow. December 15, 1994 :9_!. S:-::Z:..!::''F 0::;' C:nGz:.:'..!.A.'ID CO't.'":-l':'?, ?-o\.. CO
:=:by d..::u= t!::: Sc=..:t oi
Perry
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:!::s ci..-::U:::C11 b~:..,O' -~.:- u == :=ro:::n :.:d :.:~ ot :.:e ?!:1i==r.
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AS.da.vit Or Sem=
December 20 :~94 12:15 . P
~ow, . -- o'dea ~r. 1::".-:.:1
. .,. Complaint
:.::: ~c:n
~poa Susan McNauqhton
:1t Fux Bollow Estates, A-13, Carroll Twp. , Sh~rmansdale, Perry County,
by ~~:Q Susan McUauqhton
3.
true and attested
C":py oi :::e ot.,t....,1 Comnlaint
~
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h~r
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So :u:sw=.
c1lt ~d
Deputy Sh:::iE ot
Perry
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COSTS
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~aL~AGE
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