Original civil complaint filed. December 17, 2015 (2024)

 
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 COMMONWEALTH OF MASSACHUSETTS LESSEX, *. SUPERIOR COURT* civit action No. /4- 004 b AUNITED GUARANTY COMMERCIAL)INSURANCE COMPANY OF NORTH )CAROLINA, ASSIGNEE OF THE STUDENT +)LOAN CORPORATION AND CITIBANK,N.A. )AND CITIASSIST LOAN, )Plaintiff )) .Vs. ) =j eel pesANTHONY KOUTZOUKIS AKA ANTHONY V._ ) FOR THE COU oe eueTKOUTZOUKIS, )‘Defendant ) DEC 17 2015 .COMPLAINT én filboallCLERKCOUNT I1, The Plaintiff is UNITED GUARANTY COMMERCIAL INSURANCE COMPANY OFNORTH CAROLINA, ASSIGNEE OF THE STUDENT LOAN CORPORATION ANDCITIBANK, N.A. AND CITIASSIST LOAN, their successors and assigns, as their interestsmay appear, a duly existing corporation organized under the laws of the State of NorthCarolina, having a place of business at 230 N. Elm Street, Greensboro, NC 27420.2. The Defendant is ANTHONY KOUTZOUKIS AKA ANTHONY V. KOUTZOUKIS, anindividual with a place of residence at 6 Emmett Street, Peabody, MA 01960.3. The Defendant, in accordance with the Account annexed hereto and marked “A” and Exhibits“B 1-4”, owes the Plaintiff the sum of $41,229.36, being the balance due for money loaned,services rendered, and goods sold and delivered and moncy had and received, together withinterest from May 16, 2015, on or before which date due demand for payment was made.WHEREFORE, Plaintiff demands judgment against Defendant under this Count for the sum of$41,229,36, together with interest from May 16, 2015, costs and attorney fees/collection costs, orfor the fair-value of same.COUNT IL(Breach of Contract/Alternative to Count I)4. Plaintiff incorporates the allegations of above paragraphs with the same force and effect as ifherein set forth.5. The Defendant(s) executed, caused to be executed, authorized and benefitted from thecontracts with the Plaintiff, true copies or abstracts of which are attached hereto as Exhibits“B 1-4”, and incorporated herein by reference, for money loaned, services rendered, andgoods sold and delivered and money had and received, together with interest from May 16,20156. Plaintiff fulfilled every term of said contract(s) as agreed. The Defendant breached saidcontracts by failing to make payments when due and for other reasons.7. Plaintiff made demands upon Defendaitt for payment of the balance(s) due (in Account "A")but Defendant refused and neglected to pay the debts in full.” 8. Plaintiff is the owner and holder and/or holder in due course of Exhibits B1-4.and of theobligation/cause(s) of action referred to herein by means of assignment. True and accuratecopies.of assignment(s) are attached hereto.9. Defendant owes Plaintiff the sum of $41,229.36 under the contracts/obligations, togetherwith interest thereon from May 16, 2015, on or before which date demands for payment wereduly made.WHEREFORE, in the alternative to Count I, Plaintiff demands judgment against the Defendantin the amount of $41,229.36 together with interest from May 16, 2015, costs, and attormeyfees/collection costs, or for the fair value of same.COUNT III”(Quantum Meruit/Unjust Enrichment)10. Plaintiff incorporates the allegations of the above paragraphs with the same force and effectas if fully set forth herein.11. The Plaintiff provided monies, services, loans, goods, to Defendant named above.12. Defendant benefitted from the monies/goods/services provided by Plaintiff, hasacknowledged receipt of those benefits and has failed to pay for same.13. Defendant have been unjustly enriched to Plaintiff's detriment.14. The Plaintiff endeavored in good faith and has performed or substantially performed itscontractual obligations(s) for monies/goods/services to Defendant, including as shown onAccount A Annexed and Exhibits B 1-4, for a fair and reasonable value thereof.15. Plaintiff has received no notice of breach or of sub-standard or partial performance of thecontract(s).16. The Plaintiff is entitled to recover the fair and reasonable value of its monies/services/goodsprovided. There are no further credits due to Defendant’s account.17. Demand has been made upon Defendant above and that the present balance due on saidobligation is $41,229,36 as of as May 15, 2015, shown in Account “A” and the Exhibitsattached.WHEREFORE, in the alternative to Counts I and II, Plaintiff demands judgment against theDefendant in the amount of $41,229.36, together with interest from May 16, 2015, costs, andattorney fees/collection costs, or for the fair value of same.The Plaintiff,By Its Attorney,pBrian Aylward (BBO # 552296)Smith, Levenson, Cullen & Aylward, P.C.5 Essex Green DrivePeabody, MA 01960-2914(978) 532-9494aylward@smithlevensonlaw.comDated: December 14, 2015PLAINTIFF DEMANDS TRIAL BY JURY ON ALL COUNTS SO TRIABLEACCOUNT ANNEXED "A"Balance(s) due for money loaned, services rendered, and goods sold and delivered and moneyhad and received, together with interest from May 16, 2015 provided by Plaintiff to Defendantunder Account Numbers below, as of May 15, 2015: $41,229.361. United Guaranty Certificate# 358269: $4,367.46; Loan 09/07/2005, originally $3,000.00, lastpaid 02/02/2010;2. United Guaranty Certificate# 420103: $4,933.09; Loan 01/17/2006, originally $3,500.00, lastpaid 02/02/2010;3. United Guaranty Certificate# 651391: $23,242.44; Loan 08/03/2007, originally $17,000.00,last paid 02/03/2010;4, United Guaranty Certificate# 699986: $13,883.62; Loan 09/06/2007, originally $10,000.00,last paid 02/02/2007.This communication is from a debt collector and is an attempt to collect a debt. Any informationobtained will be used for that purpose.~ ” Account Annexed "A"/Exhibit "B" -UNITED GUARANTY COMMERCIAL INSURANCE COMPANY OF NORTH CAROLINAUnited Guaranty Certificate # 358269Borrower Last Name KoutzoukisDate:Claim Paid DateThrough DateNumber of DaysInterest RateCharged Off PrincipalPer Diem .Interest: Date of claim to Referral dateSubtotalPre Claim interest submitted by original lenderTotal $ amount of payments madeTotal Due - ,Last Payment DateLast Payment AmountMay 14, 201508/16/10- 05/14/1517333.25%$3,000.00 -$0.27_ + $467.91$3,467.91$1,051.51$151.96$4,367.462/2/201085.64Specialist Aleksandra F. AshbyTitle Paralegal230 North Elm SheetGreensboro, NC 27401900.934.0296 toll freeSeas cae GUARANTY COMMERCIAL INSURANCE COMPANY OF NORTH CAROLINASTATEMENT OF ACCOUNT May 14, 2015Anthony KoutzoukisCert # 358269. Posted . System’. .Transaction Date Transaction Code Description Amount Generated8/16/2010 10 Charged off principal 3000 :8/16/2010 50 Total payments rec’ by lender 151.968/16/2010 2 ->*** SYS GEN -- REC'D PRINCIPAL 151.968/16/2010 19 Pre-charged off interest 1051.51Aleksandra F. AshbyParalegal . .United Guaranty Residential Insurance Company of North Carolina230 North Elm StreetGreensboro, NC-27401800.334.0296 tell freeNoe_ GUARANTY. Dr ad UNITED GUARANTY COMMERCIAL INSURANCE COMPANY OF NORTH CAROLINA- United Guaranty Certificate # 420103 : 8Borrower Last Name KoutzoukisDate: May 15, 2015Claim Paid Date ; "08/16/10Through Date . 05/15/15Number of Days : . 1734Interest Rate - : 3.25%Charged Off Principal — $3,500.00Per Diem . : Interest: Date of claim to Referral dateSubtotal : $4,037.54Pre Claim interest submitted by original lender $1,066.89Total $ amount of payments made os $171.34TotalDue ; "$4,933.09Last Payment Date - : 2/2/2010Last Payment Amount . 96.54Specialist Aleksandra F. AshbyTitle =. Paralegal230 North Elm StreetGreensboro, NC 27401800.334.0226 toll freeUNITED GUARANTY COMMERCIAL INSURANCE COMPANY oF NORTH CAROLINASRM scart STATEMENT OF ACCOUNTMay 15, 2015.Anthony KoutzoukisCert # 420103i SystemTransaction Date ‘| Transaction Code | Description Posted Amount . | Generated8/16/2010 10° ___| Charged off principal 35008/16/2010 50 Total payments rec’ by lender 171.348/16/2010 2 ~>*#* SYS GEN — REC'D PRINCIPAL . 171.348/16/2010 19 Pre-charged off interest 1066.89Aleksandra F. AshbyParalegal -United Guaranty Residential Insurance Company of North Carolina -230 Nozth Elm Street. Greensboro, NC 27401"900.234.0296 toll feeTN aeGUARANTY, - Rater elUNITED GUARANTY COMMERCIAL INSURANCE COMPANY OF NORTH CAROLINA,United Guaranty Certificate # 651391Borrower Last Name KoutzoukisDate:Claim Paid DateThrough DateNumber of DaysInterest RateCharged Off PrincipalPer Diem. -Interest: Date of claim to Referral date- Subtotal .Pre Claim interest submitted by original lender ©Total $ amount of payments madeTotal DueLast Payment DateLast Payment Amount .May 14,2015 °07/26/1005/14/1517543.25%$17,000.00$1.51$2,648.54$19,648.54$3,593.90. $0.00: $23,242.442/3/2010- | 5.54Specialist Aleksandra F. AshbyTitle Paralegal230 North Elm StreetGreensboro, NC 27.401800.934.0206 ill fraeUNITED GUARANTY COMMERCIAL INSURANCE COMPANY OF NORTH CAROLINARed raed , STATEMENT OF ACCOUNTMay 14, 2015Anthony KoutzoukisCert #651391Transaction TransactionDate Code Description Posted Amount_| System Generated7/26/2010 10 Charged off principal 170007/26/2010 19 Pre-charged off interest 3593.9Aleksandra F. AshbyParalegal oaUnited Guaranty Residential Insurance Company of North Carolina230 Morth Elm StreetGreensboro, NC 27401800.234,0296 toll freePeeGUARANTY. - “UNITED GUARANTY COMMERCIAL INSURANCE COMPANY OF NORTH CAROLINA.United Guaranty Certificate # 699986Borrower Last Name Koutzoukis ~Date: "May 15, 2015~ Claim Paid Date.Through DateNumber of DaysInterest Rate_ Charged Off PrincipalPer DiemInterest: Date of claim to Referral dateSubtotal> Pre Claim interest submitted by original lender —Total $ amount of payments madeTotal DueLast Payment DateLast Payment Amount08/16/1005/15/1517343.25%"$10,000.00$0.89$1,543.26_ $11,543.26$2,340.36$0.00$13,883.622/2/2010104.66Specialist Aleksandra F. AshbyTitle Paralegal :| 230 Noth Elin SteetRee IcyGreensboro, NC 27401900.334.0296 tollfiee ~Exhibit "BI"reoais UNITED GUARANTY COMMERCIAL INSURANCE COMPANY OF NORTH CAROLINAUnited Guaranty Certificate # 358269Borrower Last Name KoutzoukisDate:Claim Paid DateThrough DateNumber of DaysInterest RateCharged Off PrincipalPer Diem .“Interest: Date of claim to Referral date -SubtotalPre Claim interest submitted by original lenderTotal $ amount of payments madeTotal Due ,Last Payment DateLast Payment AmountMay 14, 201508/16/10SpecialistTitle05/14/1517333.25%2/2/201085.64$3,000.00$0.27$467.91$3,467.91$1,051.51$151.96$4,367.46Aleksandra F. Ashby ~Paralegal230 North Elm StreetGreensboro, NC 27401800.334,0296 tall reeUNITED GUARANTY COMMERCIAL INSURANCE COMPANY OF NORTH CAROLINASTATEMENT OF ACCOUNT May 14, 2015Anthony KautzoukisCert # 358269: Posted System .Transaction Date Transaction Code Description Amount Generated -8/16/2010 10 Charged off principal 30008/16/2010 50 Total payments rec’ by lender _ 151.968/16/2010 2 ->*** SYS GEN -- REC'D PRINCIPAL 151.968/16/2010 19 Pre-charged off interest 1051.51Aleksandra F. AshbyParalegal :United Guaranty Residential insurance Company of North Carolinaswe° 230 Nowh Elm Street,Greensboro, NC 27401800.934.0296 tol feeCit Ueland Gute Loa foci eter "Sphere,~~ Daiappatonfaed |, Ploato prt coor In back Ink.oo , Online: “aa —F Intruetlons on revere side,” } Student Applicant Information ‘ shi ei gcletlins KOUTZOUKIS “7 Frtheme ANTHONY ‘>!JS Pemane Ass 73 CENTRAL ST a :How mary yeas tee, 2 | Pesos als voSocal Seouty 5 . Disa yi" eaeHone There Peet |_97 SsoiTietow formyl) ot Apna se? Bits Ob Ms Ok_Yozmnmnist Os Oe pemsrduee in J+ Hpuminardteetheedre tien{thd ome BERKLBE COLLEGE OF MUSIC BOSTON SalsltA__1P00115.0000,__Sieber nse ivi fon Td Tndapatiae 0 02 013 084 C5 ode 1 TEASE‘gor Visual 38; Performing Ate, Erna Aédess eyporavk@eomeastnet_-Loan information:Loan Period for Use of Funds Paymant Mean payments sched,Loan amount requastsd_$ 5,000,Bogh | Ls fe Lat Ed 12d a 2095_Ontem (elapse intocy K Authoritative CopyThe Student Loan Corporation *citioankSchool Certification aaaTobeompledy acl OB, ZDS Od 048. Corp Cadeoan Pad Us furs ,fon titUnderpeduate Year h Sood 102 030408 aa ie tee stntvmur cusps yoda ches an epir,yr cd Grade YarinSoteel C11 02 13 045Yat ste «fanaa ds ann pte er letol 3 nehenllsia ash vga, Sudo Eee Sesa “nica Retr a ve CikdTne, Cte Cas eneQ Applicant Reference Iii mltonbae |Fem mara nll in ea ft pe: lee pen Coffe Lan Aro $ame PETER KOUTZOUKIS ___ealestp hore [Peet fhe he .Stet_$8 ELLSWORTH ROAD.” a t+. CHROWLEY: . SONA Teoh FecormerdeDshreorint DatesHare eephone w= __._ ltt of | wm ffr cy xQ)Cosgner information ‘ HORE WORD:Stones a td eh ps Cie bend, T: Mpc en capt etn ei wf f/f 4 J ]Seca Sear = Cerri suet CPt Cea Cher Ea :lasthane fistne WL Sut Be) Dintoh | $ HORD S$ HOROSeat oT oy, ep bere cer tat het mad ns agpaion= 7 0 5 aten dng this Inston during the Loan sid thsHw any Years There?» re Tesh } “ : . inthe teesrecords avalale at tts inst applicant is notintls hn on ya perma ode ia da inant titesentaada* Divers License & inline al ar nna ee ete ovine atSra le We cette sumo al ans ard ancl@cretingoment Information ication oseneset inayo {hisinsituton,Sipae of Stet OctalAasutembe ys . —|om lls en wea tes end ROWLEY PUBLIC : 7 r‘Gow HOHTAY ame Fram Emploi Pt Nametar MONTHLY sn poral eile“Gree adil monly Icom tb tat $1,600. lncoma vrentn my Be ag, re Theay pet wipes oso Tester '@ Signatures [Please Sign and Date Beli] 7 = ‘ "| ForlenderUse Only Ts OnlPeau oi bie i fe eames Or Lancer yEt ha os eh ha accargayi poison | au ud under the lens of ect aan hn Nom fs . . ,ieee aaa ieee cerca ego ti ey asain tts | Source Code, App ID: stesroszGetler eae Py ean ces Vers, un Sg fansor Code re{Stee te Sct Sne" q - PeotD. Fea i ar ey ash over leSloatve ct Coalgar ‘+ aainan lps noes Tapa SRD 7me "fnbs Ar o te fei vet poi imp nt ae Coste entRECEIVEDJUL 29 2010S53 249 . United Guaranty TRANSFER OF OWNERSHIP. This Transfer of Ownership between The Student Loan Corporation and United Guaranty CommercialInsurance Company of North Carolina for the Borrower and loan(s) listed below: Borrower Name: Koutzoukis, Anthony V SSN: 5328, CURRENT PRINCIPAL =LOAN NUMBER / BALANCE . INTEREST BALANCE24 $3,899.55 ; $117.73 The Student Loan Corporation hereby transfers ownership fo United Guaranty Commercial InsuranceCompany of North Carolina (United Guaranty)-all of its rights, title and interest in and to the defaultedCitiAssist Loan Borrower loan(s) indicated above which will. be delivered to United Guaranty inexchange for payment of the claim(s) made by The Student Loan Corporation pursuant to the-CitiAssist Loan Program Manual. The transfer of the above captioned defaulted CitiAssist LoanBorrower loan(s) shall be complete upon the delivery of the original loan document(s) to UnitedGuaranty and upon receipt of the claim payment(s) by The Student Loan Corporation Claims Unit.The Student Loan Corporation and CitiAssist further transfers all of its rights, title and interest in andto any cause of action against original obligor of the loan(s) consisting of the unpaid balance, interest,cost and attorney fees, upon receipt of claim payment(s). The Student Loan Corporation andCitiAssist disclaims any and all liability with regard to the defaulted CitiAssist Loan Borrower Ican(s)as a result of any action, inaction or occurrence taken after the point of transfer.Dated this_ 23" Day of Dye oe ,20_/By The Student Loan Corporation ao a 5 —->s +: Coordinator Signature - Sworn to before 3p is_ XO day ot 2010.ZMope : 44-2019My Commission Expires yARY PUBLICSOUTH DAKOT‘Trassfer of Owncrship- UGCitibank USA, NLA.P.O. Box 6074Sloux Fails, SD.57117-60741-800-967-2400Fax 1-800-723-2777TDD 1-800-846-1298studentioan.com *KOUTZOUKIS, ANTHONY73 CENTRAL STROWLEY, MA 01968-September7, 2005 «DISCLOSURE STATEMENT will never exceed the maximum outined in your promithe due date, you may ba charged a fale payment chargethan the maximum allowed by law.Securlty Interests: You are giving lender / servicer a socurity interest In all refunds of the proceeds (disbursem*nts) of this loan given to youby your educational institution or any other party, Collateral securing other loans held by your lender / servicer, except those securing yourprincipal dwelling, may also secure this loan.Prepayment: If you pay off early, you wil not have to pay a penalty.See your contract documents for additional Information regarding non-paymentthe scheduled date, propayment refunds, any security interests and penalties.then Increased by 0.50% to 10.0% (due to an increase in the Index at the follow!(ncrease from $135.73 to $138.38 per month, an increase of $2.65, For this example, the number of, dafault, and any roqulred repayment in full beforoANNUAL PERCENTAGE FINANCE CHARGE AMOUNT FINANCED ‘TOTAL OF PAYMENTS:RATE ao .‘The cost of your credits a | The dollaramount the creditwill_ | The amount of cradii provided to | The amount you will have paidyearly rate. cost you. you cron your behalf. afier you have mads all paymentsas scheduled.09,820 1,657.44" 3,000.00 - 4,557.44"Payment Schedule: Number of Payments: ‘Amounts of Payments: ‘Wher payments are due:93" 50.08" . ‘On the 03 day of each monthbeginning on 08/02/2008"Varlable Rate: Your rate of interest may Increase during the fen of this tansaction if the Index used by Cithank USA, N.A increases. YourTate of interest may change on the first (181) day of January, April, July, or October of each year ("Change Dates") until your loan is repaid.There is no limit en the amount which your rate of Interest may Increase during any period. Any Increase in the rate of interestwill take theform of an increase in the number of payments, higher monthly payments or both. Any increase in the number of payments to repay the loan -nole. As an example of a rate increase, if your loan had a principal balance of$10,000 at the prior quarter's Change Date (where the Interest rate became 9.50% and there were 111 payments remaining), and that rateing Change Date), your reguiar monthly payment wouldpayments does not increase.Late Gharge: If, during your repayment period, any portion of your monthly payment remains unpaid for a period of more than 10 days afterequal to the lesser of either 5% of your payment amount or $5.00, but never more Ttemizaiion of Amount Financed of: 3,000.00 o.oo Amount given to you directlya0 Amount paid to your account——_3.000.00,___~ Amount paid to BERKLEE COLLEGE OF MUSIC onyour behalfw00 * Prepaid Finance Charge2804621089226‘9743.042672“REPORY-10 ALeMCCLA SCHEDULE/ADJUSTHENT//OEFERNENT REQ TYPE BANK 0010 = PAGEREPORT DATE 07/07/10 slog .NAME: KOUTZOUKIS, “ANTHONY y S84: 4 SOH QC TD: 2711”, gRan ATE: 00/tafe6-PHONE J OANA: ‘Gia SCH GHP BR 1D; 00 GRAD CERT DATE: 06/22/06MOBILE PHONE: a7@- EFF OT: 07/17/2008 SCH GRADE cop: 4 ENROLL STAT: FTADOR: 79 CENTRAL ST DATE DISCLOSURE SENT: 08/11/2006 NUM WO GRACE: 6.CURR PRIN: $9,899.55 CURRENT INT: $117.73 INT RATES 7.25 LT FEE PD; * $40.82ROWLEY : WA 01969 TOTAL DISEURSED; $3,000.00 INT PAID TO-OH/SH/261 QUE DATE: 00/08/2010”GTR: US REPAY STARTS 11/44/0008. / Aa aloilis DDB REASON CODE:“CURRENT SCHED: 08/28/2010 {9AT 38,00 .03/26/2012 p 106 AT 47,50 SCHED TOTAL: 4,749.00DATE TRANS DESCRIPTION LN"09/12/05 -taea4 AW EFT DISSURsem*nT DR 24TOT TRN: $8,000.00 PRIN ADU: $3,000.00 INT ADYs $.00 LTE FEE: — $.0009/2/05 53878 INSURANCE PREMIUM DEaET 26TOT TRN: $195.00 PRIN ADU: $.00 INT ADU: $.00 LTE FEE: $.00START DATE END DATE OPER ID IND09/12/05 09/12/08 apPwK ”RUN BAL: $3,000.00 BAT #:0000000 (SEA 000009/12/05 08/12/05 APPWKRUN BAL: $8,000.00 BAT #:0000000 SEO #: 090012/03/05 65900 LOAN PURCHASE DR 4 : : PSALE :TOT TRN: $3,088.12 PRIN ADU: $2,000.00 INT dD: 68.19 LTE FEE: $.00 RUN BAL; $6,000.00 BAT #0000000 SEO #: —cg0012/08/05 68900 LOAN SALE oR 4 , :PSALE =U$.00 RUN BAL! $3,000.40 HAT #3099999 séQ s:a99g0q99909/12/08 14/13/08 ,RUN BAL: $2,000.00 BAT #0000000 seo #: ono09/12/05 41/13/08RUN BAL: $3,907.43 BAT #0000000 se9 #9090TOT TRA: $8,088.12 PRIN AOU: $2,000.00 INT ADU; “$69.42 LTE FEE:11/44/08 42021 INT CAPITALIZATION cREDIT 24TOT TRN: $987.43 PRIN ADU: $.00 INT ADU: $397,43 .LTE Fee: $.0011/14/08 55822 cap INTEREST (PRIN) 4TOT TRN: $397.43 PRIN ADU: $397.43 INT ADU: $.00 LTE FEE: — §.0011/18/08 64000 PAYMENT 24 4/17/06 EpyY ouTOT TR: $44.61 PRIN ADU: sats INT ADJ: $8.42 LTE FEE: §.00 RUN BAL: $3,958.24 AT 420000800 SEQ 4: 036012/28/08 64000 PAYMENT 4 12/2/06 EPAY = .TOT TRN: $44.68 PRIN ADJ: §$.00 INT ADU: , $44.88 LTE FEE: §$.00 RUN BAL: $3,986.26 BAT #3000600 SEQ #: 010602/08/07 64000 PAYMENT . % i oa/os/or. ERY oNTOT TRA: $48.85 PRIN ADU; $1.42 INT ADU: $4549 LTE FEE $.00 RUN BAL: $9,984.82 ar #0000500 SEF: 0am03/01/07 64000 PAYMENT 4 02/28/07 EPAY uTOT TRN; = $44.68. PRIN ADU: $18.78 INT ADU: $95.90 ETE FEE: $.00 RUN BAL: $3,336.04 BAT #:0000800 SEQ 4: 1428209/28/07 64000 PAYMENT * 24 03/28/07 BPAY =uTOT TN: $44.88 PRIN ADU: $19.99 INT ADV: $91.95 LTE FEE: —$.00 AUN BAL: $9,922.71 BAT #:0000800 SEQ #: — f019904/28/07 64000 PAYMENT 4 04/25/07 EPAY ou 7TOT TAN: | $44.68 PRIN ADs $18.48 INT ADJ: “$81.22 LTE FEE: —§,00 RUN BAL: $3,908.25 gar ¥:0000500 SEQ. #: 989508/07/07 64000 PAYMENT 2406/06/07 EPAY U+ $8,909.25 BAT #:0000800 SEQ 4: 12454OFFL 0$3,909.25 BAT #:c000000 SEQ #: 0109TOT TRN: $44.68 PRIN ADU: $.00 INT ADU: $44.68 LTE FEE: “$.00 RUN BAL.07/38/07 61890 AUTO LATE CHARGE ASSESS 24TOY TR: §2,29 PRIN ADU: $.00 INT ADU; $.00 LTE FEE: —§.00 RUN BAL:06/09/07 99900 RACKDATE ADJUSTMENT 24TOT TRN: $.00 PRIN ADU: $71.99 INT ADU: §71,96 LTE FEE:$.00 RUN BAL: $3,381.18 BAT 420000000 SEQ 4: 0000"REPORT=2D ALANCCLE ” SCHEOULE/ADWUSTHENT DEFERMENT REQ TYPE BANK 00010 PAGE 2; REPORT DATE 07/07/10 ‘ :NAME: KOUTZOUKIS, ANTHONY V SH: ( 4 SCH AGC ID: 2744 GRAD DATE, 00/00/00PHONE: _” : oaNAs 22 2661124 SCH CHP BR 1D: 00 GRAD CERT DATE: 06/22/08MOBILE PHONE: 078 EFF OTs 07/17/2008 SCH GRADE COD: 4 ENROLL STAT: FTADDR: 73 CENTRAL ST DATE DISCLOSURE SENT: 08/11/2006 NUM MO GRACE: 6CURR PRIN: $9,889.55 CURRENT INT: $117-79 INT RATE; 7,25 % LT FEE PD: $10,82ROWLEY “HA 01869 TOTAL DISBURSED: $2,000.00 - INT PAID 10: 01/31/2010 DUE DATE: 02/09/2010GTR: UG REPAY START: 11/14/2006 : ODB REASON CODE:CURRENT SCHED: 08/28/2010 G {9 AT 36.0003/28/2012 P 106 AT 47,50 SCHED TOTAL: 5,719.00DATE TRANS DESCRIPTION WN.08/25/07 99800 BAOKDATE ADUUSTHENT 24TOT TRH: $00. PRIN ADJ: $71.99 INT ADU: S7A.39 LTE FEE: —$.00 AUN BAL: $8,909.25 BAT #0000000 SEQ #: 00005/31/08 42021 INT CAPITALIZATION CREDIT 24 , 05/30/08TOT TRN: $382.94 PRIN ADU; $.00° INT ADu: $82.94 LTE FEE: §.00 RUN BAL: $2,208.25 BAT #0000000 SEQ #: 000008/31/08 55802 CAP INTEREST (PRIN) 4 . 08/90/08TOT TaN: $082.84 PRIN ADU: $982.94 INT ADU: $.00 LTE FEE: $.00. RUN BAL: $2,082,49 BAT #:0000000 “SEQ 4; 000007/18/08 61890 AUTO LATE CHARGE ASSESS 24 OFL ° OTOT TRN: $2.25 PRIN ADU: $.00 INT ADU; : $.00 LTE FEE: $.00 RUN BAL: $9,602.19 BAT #:0000000 SEQ #: = 000007/26/08 84000 PAYMENT a ‘ 07/28/08 EPAY U.TOT TAN: $48.18 PRIN ADJ: 9,00 INT ADU: $40.67 LTE FEE: $4.48 AUN BAL: $9,699.19. BAT #0000500 SEQ A: 017307/28/08 64000” PAYNENT u 07/28/08 EPAY = WTOT TN: — $43,07 PRIN ADU: $27.95 INT ADU: $45.12, LTE FEE: $.00 RUN BAL: $3,664.24 BAT #:0000500 SEQ #;START DATE END DATE OPER ID INO020208/26/08 64000 PAYNENT 24 _ 08/95/08 EPAY syTOT TRV: $49.07 PRIN ADU: "$17.84 INT ADU: $25.23 LTE FEE: $.00. AUN BAL: $3,646.40 BAT #:0000500 SEQ #: 024410/03/08 64000" PAYMENT 4 Yo/o2/oa EPAY =UTOT TRN: = $48.07 PRIN ADU: $9.00 INT AN: $94.07 LTE FEE: —$.00 RUN BAL: $3,697.40 BAT #:0000500 SEQ #: . 00644/18/08 DEFERNENT--TYPE CODE = FT 24 / 08/30/07 05/26/08 r$.09 “= $.00 » $00 4,00 $.00 .11/18/08 -64000 PAYMENT © 2 “44/17/08 BPAY ouTOT TRN: $42.90 PRIN ADU: $1.76 INT ADU: $44.14 LTE FEE: $00 RUN BAL: $8,695.64 “BAT #:0000500 SEQ #: ” f088944/19/08 DEFERMENT--TYPE CODE © FA 24 08/27/08 05/30/08"$0 $.00 $.00 $,00 $.0011/21/08 98900 BACKDATE ADUUSTHENT 4 .TOT TRH: $.00 PRIN ADU: $2.98 INT ADU: «$443 LTE FEE: §.00. RUN BAL: $2,633.38 BAT 7:0000000 SEQ #: 000012/16/08 DEFERUENT--TYPE CODE = FO. 24 11/04/08 05/03/08$000 99 $.00 $.00 $.00° - .08/02/08 42021 INT CAPITALIZATION CREDIT 2408/03/08TOT TRN: $195.68 PRIN ADU: $00 INT ADJ: $195,60° LTE FEE: §.00RUN BAL; $3,633.95 BAT #:0000000 SEQ fi: 000005/02/09 58822 CAP INTEREST (PRIN) 4 ‘. 08/03/09TOT TRN: $195.68 PRIN ADU: $135.68 INT ADU: . $.00 LTE FEE: $.00 RUN BAL: $3,768.03 BAT #:0000000 SEQ #: 0000* REPORT=1D ALBWCCLE »— SCHEDULE/ADJUSTMENT/DEFERMENT REQ TYPE BANK 00010 PAGE 3oo. : REPORT DATE. 07/07/10 :NAME: KOUTZOUKIS, ANTHONY ¥ 1-24 SCH AGC ID: 27{t GRAD DATE: 00/00/00PHONE: LORNA: : 61104 SCH CHP BR 1D: 09 GRAD CERT DATE: 05/20/06MOBILE PHONE: 978+ ° “BFP OT: 07/17/2008 “SCH GRADE COD: 4 ENROLL STAT: FTADDR: 72°CENTRAL ST DATE DISCLOSURE SENT: 08/11/2006 NUM MO GRACE: 6CURR PRIN: $3,899.59 CURRENT INT: $117.78 INT RATE: 7.25 4 LT FEE PD: $10.82TOTAL DISBURSED: $3,000.00 INT PAID TO: 01/31/2010 DUE DATE; 02/03/2040DDB REASON CODE:ROWLEY MA 01960‘GTR: UG REPAY START: i4/14/2008CURRENT SCHED:. 08/28/2010 fg AT 36.0009/28/2012 P08 AT. 47,80. SCHED TOTAL: 8,748.00 DATE TRANS DESCRIPTION {N START DATE END DATE OPER ID IND06/19/09 61830 AUTO’ LATE CHARGE ASSESS 24 OFFL. 0TOT TRN: $2.08 PRIN ADU: =—»§,00 INT ADU: 5.00 LTE FEE: —§.00 RUN BAL: $3,768.09 BAT #:0000000 SEQ #: 0007/14/09 DEFERNENT==TYPE CODE = FO 2g 05/04/09 11/08/08 b-, $.00 So 3.00 $.00 $.00 $.0011/04/09 42001 INT CAPITALIZATION CREDIT 24 41/03/08:TOT TRN; = $137,75 PRIN ADU: $.00 INT ADU: $197.75" LTE FEE; §.00 RUN BAL: $8,768.02 BAT ¥:0000000 SEQ #: 000011/od/os 55822 CAP INTEREST (PRIN) 4 11/08/09TOT TRH: $187.75 PRIN ADU: $197.75 INT ADU: $.00 LTE FEE: $00 RUN BAL: $3,906.78 BAT #:0000000 SEQ #: 000042/19/09 G{830 AUTO LATE CHARGE ASSESS 24 . OFFL 0TOT TRN: $2.14 PRIN ADU: $,00. INT ADU: $.00 LTE FEE: — $,00 RUN BAL: $9,908.78 BAT #:0000000 SEQ #; 000001/19/10 61830 AUTO LATE CHARGE ASSESS 24 OFFL oO.TOT TRN: $2.14 PRIN ADJ: $.00 INT ADU; $.00 LTE FEE: —$.00 RUN BAL: $9,906.78 BAT #:0000000 SEQ #: 000002/03/10 64000 “PAYMENT 24 02/02/10 .pMTDG =UTOT TRN; = $85.64,. PRIN ADU: $7.23 INT ADU: $60.84 LTE FEE: $8.57 RUN BAL: $3,898.55 BAT #:0000618 SEQ #: 77566 .02/19/10 61830, AUTO LATE CHARGE ASSESS 24 OFFL, 0TOT TRN: $2.18 PRIN ADU: $.00 INT ADU: + $.00 LTE FEE: © $.00 RUN BAL: “$9,889.55. BAT #:0000000 SEQ #: 000004/13/10 61830 AUTO LATE CHARGE ASSESS m4 OFFL 0TOT TRN: $1.28 “PRIN ADU: $.00 INT ADUY $.00 LTE FEE; $.00 RUN BAL; $9,898.85 BAT #:0000000 SEQ a: 000005/14/10 61830 AUTO LATE CHARGE ASSESS 24 OFFL, 0TOT TRN: $1.28. PRIN ADU; $.00 INT Abu: $.00 LTE FEE: §.00 RUN BAL: $3,800.56 BAT #:0000000 SEQ #000008/15/10 61830 AUTO LATE CHARGE ASSESS 24 _ OFFL 0TOT TRN: = $1.28 PRIN ADU: ° $.00 INT ADU: $.00 LTE FEE: —$.00 RUN BAL: $3,890.88 BAT #:0000000. 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