Linda Barbara Murdock

UNITED STATES BANKRUPTCY COURT
EASTERN DISTRICT OF NORTH CAROLINA
RALEIGH DIVISION
IN RE:
LINDA BARBARA MURDOCK,
DEBTOR.
CASE NO. 09-03734-8-JRL
Chapter 7
ORDER
This case is before the court on the debtor’s motion for determination regarding
unclaimed funds subject to writ of execution. A hearing took place in Raleigh, North Carolina
on July 13, 2010.
The debtor filed a petition for relief under chapter 7 of the Bankruptcy Code on May 6,
2009. On September 17, 2009, the court ordered HFC/Beneficial to pay sanctions for willful
violations of the automatic stay of $5,000, with additional sanctions accruing at $100 per day for
failure to pay within 20 days. Despite receiving notice of the order at multiple addresses
provided by the lender, HFC/Beneficial failed to comply with the order. A writ of execution was
issued on May 13, 2010. The Clerk of United States Bankruptcy Court for the Eastern District
SO ORDERED.
SIGNED this 23 day of July, 2010.
________________________________________
J. Rich Leonard
United States Bankruptcy Judge
____________________________________________________________
Case 09-03734-8-JRL Doc 51 Filed 07/23/10 Entered 07/23/10 14:50:14 Page 1 of 6

1 The names found include HFC, HFC/Beneficial, Beneficial, Beneficial Credit,
Beneficial Finance, Beneficial Finance Co., Beneficial Financial, Beneficial, Inc., Beneficial
Mortgage, Beneficial National Bank, Beneficial National Bank USA, Beneficial North Carolina,
Beneficial of North Carolina, and Beneficial Tax Masters.
2 In the United Kingdom, HFC continues to operate under the name of HFC Bank.
2
of North Carolina holds unclaimed funds under various names associated with HFC/Beneficial.1
To demonstrate that the names associated with the unclaimed funds are aliases of the named
respondent, the debtor presented the official Form 10-K for 2008 of HSBC Finance Corporation
and the official form 6-K for March 2009 of HSBC Holdings PLC. The corporate history in the
10-K states that HSBC operated as HFC for most of its history, was acquired by HSBC Holdings
plc, and eventually changed its name to HSBC Finance Corporation. 2 The 6-K announces that
HSBC will discontinue operating its consumer lending branches, officially branded as HFC and
Beneficial, and provides that HSBC’s remaining US subsidiaries – HSBC Finance, HSBC Bank,
and HSBC Finance Corporation – will continue operating. A variety of newspaper and online
articles link HSBC to Beneficial Finance/ Beneficial Finance Corporation; HSBC announced in
June of 2009 that it would shut down its British sub-prime division, HFC, including its
subsidiary Beneficial Finance. The public record confirms that Beneficial Finance ceased to
operate in July 2009, and Beneficial Finance’s corporate website directs inquiries to HFC Bank.
Based on the record, the debtor’s motion to determine which unclaimed funds are subject
to execution is GRANTED as to funds held in the name of HFC, HFC/Beneficial, Beneficial,
Beneficial Inc., Beneficial Finance, and Beneficial Finance Co.. The attached Exhibit A
identifies by case number the unclaimed funds subject to the writ of execution.
Case 09-03734-8-JRL Doc 51 Filed 07/23/10 Entered 07/23/10 14:50:14 Page 2 of 6

Case
Number Case Name 	Amount Creditor 	Address
0-15 MELVIN, Anthony Melvin &
Latonia Johnson $ 345.20 Beneficial
0-1632 MATTHEW VANBUREN
BASSETT $ 93.44 	Beneficial
P O Box 9055
Brandon, FL 33509-
0955
0-6151 Cotton, Donnie Ray and
Majorie Johnson $ 34.71 	Beneficial
1-71 	Hood, Burnette Hedgepeth 	$ 43.21 	Beneficial
2-5349 	RAYMOND LEE OWENS 	$ 68.74 	Beneficial
3-8939 Boseman, Anthony Wade and
Denise Lavina $ 40.02 	Beneficial
4-893 	Boyd, Cathy C. 	$ 46.37 	Beneficial
4-3619 	Jackson, Willie Elgin 	$ 191.95 Beneficial
4-6503 	STEVEN LEWIS COOMBS 	$ 188.73 BENEFICIAL
961 WEIGEL AVE
ELMHURST, IL
60126
6-105 	RUBY E COLVILLE 	$ 130.51 Beneficial
1301 E. Tower Rd.
Schaumburg, IL
60173
6-105 	RUBY E COLVILLE 	$ 248.84 Beneficial
1301 E Tower Rd
Schaumburg, IL
60173
95-2306 QUIN P. & NANCY SMITH
O'QUIN $ 43.07 	Beneficial
96-1669 	PAUL & MARY DIAVOLIKIS 	$ 30.92 	Beneficial
97-2142 	JAMES H MILLS 	$ 53.55 	Beneficial
1401 SE Maynard
RD STE H
Cary, NC 27511-
6924
97-2142 	JAMES H MILLS 	$ 54.00 	Beneficial
1401 SE Maynard
Rd STE H
Cary, NC 27511-
6924
97-4552 Huffman, Garry and Teresa
Sawyer $ 39.63 	Beneficial
97-4611 PAQUETTE, Bradley John &
Novemberann M. $ 31.49 	Beneficial
98-5085 Britt, Dwight Keith and Lisa
C. $ 82.03 	Beneficial
EXHIBIT A
3
Case 09-03734-8-JRL Doc 51 Filed 07/23/10 Entered 07/23/10 14:50:14 Page 3 of 6

98-1226 BEAMON, Sidney Bruce &
Cammie Atkinson $ 45.50 	Beneficial Fin.
84-1321 TERRY & RETHA MAE LITTLE
BLOUNT $ 48.00 	Beneficial Finance
88-441 DON A. & GLADYS A.
TADLOCK $ 131.00 BENEFICIAL
FINANCE
215 BERKELEY
BLVD
GOLDSBORO, NC
27530
95-3044 BOBBY GENE & TONYA
DENISE HOLTS $ 34.43 	Beneficial Finance
96-1966 THOMAS LOOMIS & LISA
MARIE PUGH $ 72.66 	Beneficial Finance
96-2645 JASON O'DAY & KELLY ANN
BAKER $ 36.00 	Beneficial Finance
96-4409 ROGER C. & CLYDER S.
WELLS $ 45.84 	Beneficial Finance
96-6479 JOHN ABRAHAM, III & GAY Y.
TUCKER $ 46.85 	Beneficial Finance
97-3743 	MOSBY, Karen Rene' 	$ 91.66 	Beneficial Finance
97-5495 	JEFFREYS, Michelle J. 	$ 58.00 	Beneficial Finance
98-46 	DANIELS, Karen 	$ 46.26 	Beneficial Finance
98-1217 	REGINALD & ANGELA WYCHE 	$ 30.88 	Beneficial Finance
98-4381 	COLEY, James Roy 	$ 38.81 	Beneficial Finance
98-5279 	JONES, David A. and Sally M. $ 74.56 	Beneficial Finance
90-2780 	JAMES & LINDA McFADDEN 	$ 149.06 BENEFICIAL
FINANCE CO.
95-957 	SANDRA OWEN 	$ 33.03 Beneficial Finance
Co.
95-1398 	BETTY WATSON 	$ 34.90 Beneficial Finance
Co.
95-1398 	BETTY WATSON 	$ 79.47 Beneficial Finance
Co.
96-597 KENNETH & DESADRA
LEONARD $ 133.41 Beneficial Finance
Co.
96-716 	RANDY GRIFFIN 	$ 53.51 Beneficial Finance
Co.
96-1201 	DONALD CARRINGTON 	$ 39.81 Beneficial Finance
Co.
97-342 	JASON & AMY NAPIER 	$ 41.87 Beneficial Finance
Co.
97-498 	RANDY & KIMBERLY OAKLEY 	$ 59.64 Beneficial Finance
Co.
97-1843 	ROY & CYNTHIA CAMPBELL 	$ 26.80 Beneficial Finance
EXHIBIT A
4
Case 09-03734-8-JRL Doc 51 Filed 07/23/10 Entered 07/23/10 14:50:14 Page 4 of 6

Co.
97-2188 	DEVI WILSON 	$ 76.83 Beneficial Finance
Co.
96-4927 	RAY M. & LETHA M. LEWIS 	$ 28.21 Beneficial
Financial
97-1682 	MCLAURIN, Annie Neal 	$ 90.45 Beneficial
Financial
96-597 KENNETH & DESADRA
LEONARD $ 28.89 	Beneficial Inc.
EXHIBIT A
5
Case 09-03734-8-JRL Doc 51 Filed 07/23/10 Entered 07/23/10 14:50:14 Page 5 of 6

Case Number Case Name 	Amount Creditor 	Address
4-3087 	DIANA SENNET-FENN 	$ 99.84 	HFC 1301 E. Tower Rd.
Schaumburg, IL 60173
3-8300 	JOYCE JONES 	$ 43.36 	HFC/BENEFICIAL
1301 E Tower Rd
Payment Processing
Schaumburg, IL 60173
3-9619 	COREY JAMES ATKINSON $ 49.49 	HFC/BENEFICIAL
1301 E Tower Rd
Payment Processing
Schaumburg, IL 60173
EXHIBIT A
6
Case 09-03734-8-JRL Doc 51 Filed 07/23/10 Entered 07/23/10 14:50:14 Page 6 of 6