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HomeMy WebLinkAbout07-1973 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. VICKEY L PENNYPACKER Defendant No : Q~' - ~7 ~~ C~V ~ ~~ ~~ COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 43E Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 05858015 C A Pit DKB ~. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. Civil Action No VICKEY L PENNYPACKER Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights 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. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK is a corporation with offices at 6851 JERICHO TURNPIKE #190 SYOSSET NY 11791 2. Defendant is adult individual(s) residing at the address listed below: VICKEY L PENNYPACKER 92 B FAIRVIEW ST CARLISLE, PA 17013 3. Defendant applied for and received a credit card bearing the account number 4862362370879069 . 4. Defendant made use of said credit card and has a current balance due of $2667.88 as of March 30, 2007 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 25.900% per annum on the unpaid balance from March 30, 2007 A copy of Plaintiff's STATMENT is attached hereto, marked as Exhibit "1" and made a part hereof. ,' 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant VICKEY L PENNYPACKER INDVIDUALLY in the amount of $2667.88 with continuing interest thereon at the rate of 25.900% per annum from March 30, 2007 plus costs. James C. Warmbrodt,42524 WELT EINBERG & REIS CO., L.P.A. 436 eve h Avenue, Suite 2718 Pit bur h, PA 15219 (41 ) 4 -7955 F 4 -338-7130 05 580 5 C A Pit DKB This law firm is a debt collector att~~ing to collect this debt for our client and any information obtain will be used for that purpose. t / First 3 months half-price ": a ~ ~ 97 a month; E9.95tmo, mermner ,~ ~ FREE Acceleirator' ~'{~~t"' r~tr tar ~4. w be ts.aonr,. KEY L PE ACKER / SIGN UP TODAY: PROGR VE ' ~-877-778-1207 N14 Mention Offer Code: OPAL RISBUR A 109-6528 Or visit www.peoplepc.corn/gWopal Capita/Q~• Account Su Previous Balance E1,509.79 Payments, Credits and Adjustments E OO Transactions , Ely DO Finance Charges E33.57 New Balance E1,572.36 Minimum Amount Due E1,572.36 Payment Due Date July 03, 2004 Total Credit Line E1 000 Total Anilable Credit , E 00 Credit Line for Cash E1,000 Available Credit for Cash 5.00 At your service To mlll Customs Relations or to report a lost or stolen card: 1-800-903-3637 For fr« online acrount ssvice and speaal automs offs, log on to: www.capitebne.mm Send paymsm to: Send ingwrits to: Ater. Remittance Prose sing Capital One Suvices Capital One Setviar P.O. Box 55147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23255-5015 ooa (peoplepcry online ~..i Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerT"" `~j Spam Controls ® ' Smart Dialer ®~ More Email Addresses ®~ Internet Call Waiting PLATINUM V1SA ACCOUNT MAY OS -JUN 04, 2004 4862-3623-7087-9069 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 04 JUN PAST DUE FEE E29 00 ""Capital One proudly supports the National Youth Anti-Drug Media Campaign. PARENTS. THE ANTI-DRUG. Stay Involved -Ask Questions. To get the FREE booklet, ' i Your Kids Drug-Free," call 1-800-788-2800 or visiC www: ~ d~Ikug,com"' You were assessed a pas[ due fee of E29.00 on O(J04/2004 because your minimum payment was not received by the due daze of 06/04/2004. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. ln~~l~~ f F'mance Charges 0 Please ret reaerrt.ride for int~ortant information m Ba! n.atr N applydto Pniid ~r C d" ~~~ QA~R 6 PURCHASES E345.77 CASH .07096'9 25.90% 17 61 51,180.19 .07096% . 25 9096 125.96 ANNUAL PERCENTAGE RATE ap lied this eriod p p 25.9096 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~Onea 0000000 0 4862362370879069 04 1572360000001572368 New Balance E1572.36 Minimum Amount Due El 572.36 Payment Due Date July 03, 2004 Total enclosed E Account Number. 4562-3623-7087-9069 Plrarr prn~t mailusd addrru aced w r-msit rbmsgo br! uriwg bl w btak ink. aces Apc R C'ry State ZIP Home Phone Alternate Phone #9015738120931745# MAIL ID NUMBER ~a VICKEY L PENNYPACKER Capital One Bank ~~ 301 N PROGRESS AVE P.O. Box 85147 ~t~u~ns~~~u~u~s~t~ °m ~ APT N14 Richmond, VA 23276 ~ ~= HARRISBURG PA 17109-6528 ~u~r~u~~ns~s~~us~s~~u~~us~~us~~us~~ns~~ns~~us~~rss~ ° ~ ~su~~~sa~sn~~~~ns~s~us~~ns~r~us~s~~u~u~u~s~u~n~~s~ r Pleare write yow acanant numbs on your chick ar manry order made payablt fo Cafitd OneBankand mail in Ux enclosed envtloPe, ~. ,~E~~~~A~~c.. online sot N PROtseEas AvFA better way to Internet. APT N14 HARRISBURG PA 17109-6528 UNt:°tMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal O 0 O PeoPIePC a sol~y responsible for this fifer, and is trot afiliated with Capital One. Capael One does not prtx4de, endorse a utaamee, end is not affiliated with, arty product a service shown here, Alry tradenlerk5 memioned herakr ere alley owned try respective entry All rights reserved. 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C6C bile ~. average daily balance for the ng paned covered by this statemem, we take the begimirg balance of each sapndd each day, add any new ora~ce~ to each aegmrast, and tkbtract any paymrrrna credits. (If ffm code N appearo an the hart of this asbtre em rren fo "Balance Rate r4pplre0 To," we a1x of each x y urpeid firunca drerge included in the balance gmem.) TNs gives us the tlaily balance of each xpnern. Then, we add up all the daay balances for eadr egmex for t!e biting period and divide by the total rwanber of tlays in the baling periotl. TNS gives us the average daily balance of each segment. 3. Mara) Preantapa Halaa IAPRI. . The term 'Annual Per image Rate' may appear as 'APR' m the from of this matemem. b. If the coda P IPrime), L 13yrro. Llt)OR), C (Certificate of tN~rmemem ne8 xk o the pedodl ~te(al, the from a/ rates and correapasdirq ANNUAL PERCENTAOF HATES ~ay vary purtedy and may increax or decrease beaed the mated irr6ces, ea fosrM in The Well Shell Jouma/, plrn the margn previously ttlxkued to yrru. 7hex changes wall be effective an ttre fill day of your baling period covered DY your periods tttatemern eMrq the momhs January, gpril, Jay and October. c. If the code D (Prime), F Il-mo. LIBOR) or C 13mo. LIBOR Repriced Mmday) pp ro the hoot of your statement next to the pedodc Batelsl, tM periodic rotes and corresporsding ANNUAL PERCENTAGE RATES may vary montlay and may irrcreax or decreax beaed en the arotetl irs6ces, as trend in The Wal/ Sheet Jounrat, dos ~wce margin previously disdoxtl to you. Tlteae tlunges 'tl be effective m the firot day of your billing pedal each mash. d. Aosaaeaar~ of Leta. Ovarlimit artl RaMSaO Payrrwst Fen. Your accent watl be asaeaaed rr mom than tow of the fees listed hem that occta during any tilting period. Under the terms of your unratanar egreemem, we rexrve the right m waive err not to asxx any fees withrxn prior notification to you withert waiving our right to assex the same or similar tees et a later tlme. 5.tRanevrirp Yet AeoaaR. Ii a memberoNp tea ppearo on the from o/ tNs natemen, you have 30 Jaya from the data life atetemem was mailed to you IO avdtl peyirp the fee or fo Mve ouch fee cradled to you if You txrtcd your axoum. Drxirq tNS period, yet rosy crrmimre to use your erxount watlsrxe hsNrp to pay the memberolsip ice. To cancel your accorarc, you moat rrtify ur by calling err Ctsstaner Rdatiom Department •t~PaY Yax "New Balance" in kit lexdrxfirg the 8. If Ya pon YaarpAe imurt, Yorr cent tfarty4ay period. yyoouu arsamt by calling err Cunomer Ra~itarao tlox Departmem. You moat destroy your credt card{sl all accorm access dsecka, cancel all preautlnrized biling, all cease uarq your arxount. If you do not cancel preartmorized ling artarpemenro, ura will consider receipt m a charge your authorizaden to reopen your scant. AdNrieully, yerr access x111 not be tloeM anal you pax all amauss yw owe ua inrJUding: any tranxttiona you have audmrizetl, firarrce durgea, past due tees, ovedimit fees, resumed paymrxrc tees, cash advance fees and any mfur teas assessed to your acceus. You are rrrgrmside for tMx amouss whether they appear en ydx accent at the time yar request to Box the ecceort or they are irctKred srbaequern to ywr regrren to dose the accent. TNa may result in charges eppeerirrp on ywr aCCOUrd aher vn, 1...,. your aaorm if it Ms already beendoxd. For examde, if you authaizetl a purtlux from a merdmm all we receive fie trarnactim from the merdarn aher ywr ccourt nos bean da.ed, ywr accwrn will be reopened tlu amoum of the charge will be added to your accent, and You wall he resparnade for paymem. If there la a memberohip fee for your aceraxtt, the lee will cmtkxre to be durged, to the extern permined by Isw, rani) the acraum balance has been paitl in hit ere defirsM above. 7. llekrg Yea Aerrauk.Vwr cem or account oararot f>e eel in correction with any imemei gamdirp ttareactMrre. 8. f4oliea AbaR Elaobanie Cheek Canvaroion. When you provide a check a payment, you autMrize ua tither to use rnformatim from your check to make cone-rime electronic 1raM tronelar from your bank arxxxart or to process the paymrsa as a tlceck trarrsattion. Wfvas we ux Information from your deck ro make an ekctrorric fund vamfar, /usda may be withdrawn from your bards account as soon as the xme Bey we reraiue your payment, and you will not recdve your tdseck beck from your finarrlal inrrtitutien. BILLING RIGHTS SUMMARY Iln Cox OI Erroro Or Quastiaru About your Billl It you think your bill is wnng, or if you deed more information on a trarsxction or frill, write to ce on a xperote sheet es soon as poeaihls at the address for nsµ:ries shown on the front of tNs statement. We must hear trap you no later thin BO days aher we sent you the firot WI en wrath the error or progem appeared Vw can call our Customer Relations number, brn doing so will rat prrmerve your rigMa. In your letter, give a the idlowirq nformadm: your rums and erxoax number, tM ddlar amrxaa of the errapectM error, a description of the error end an erplanetfon, If poaside, of w4ry yw bdleve there is error, or if you Head mere information, a deacripden of fie item you em mare about. You do not love to pay eny amoum in question wfale we era investigating it, ba you re still obligated to pay the parts of your bit that are trot Ouesden. While we inveaagere your question. rte carrsot report you as tletlrrgrrenr m mks any actien to cellect the amount you grrestien. i, j' Spedal RWe For Crest Certl Purchas If you love a prodem with the quality of property or aerwces that you ptchased with a treat cerd and you have mad in good farm to correct the prodem wash the amoum d ~ t~ have the fight not to psY ma remaining protectim oN when die rty or xrvacea. You have tNs Y purchax price was mere than 550.00 and the Purclresa was made in your home state or witfan 100 miles of ywr maiang addreso. flf w+e own or operate the merdum, or If tee mailed yar the atlverdsranrstt for the property or services, ell purduxs Pleaaeverememp~err p a'gnf annco~rr oreaporrd~e of purchax.) f' Ober sot rrpplY m wnsumer non-credit say ecmun[s f Goes rot apply to brzsirmss eon-r a~K caay accorsrts Capital One supports information privacy protection: see wr wehaite al www.espkalme.com. Capital One is a federepy reginered xrvice mark of Gpital Coe Hnandal Corporation. All riyxs reserved, a 2003 ..epiml One 01 LGLflgK ?0680M t. eaaw To Avod A Firarrea prarp~. ter. Omw Period. Vou will Mve a mirimran grace period of 25 deya nitlsorrt firrence dtarge purUreaea, new balance trensfero, new special purchases arW new miter tlrerges if you pax your total 'New Balance', in accordance whh the Importarn Notice for psymenta below, and in time for it to be cradled by ywr next Eltrtemem Uoaing date. There is ro grace period on cash advances and apedal fmrsafero. In e0drtian, tlv;re h no grace period on any trarsxttion if you do tort pay the total 'New balance.' b. AeaWp Fkranp Charge. Transettioru which are rot subject to a gmce period am asaeaxd finance charge 11 from tlra date of the irorsxttion or 21 from the date the troroattion is procexetl to your Account err 31 from the fire calendar day o/ the wrrern billirq period. Addiuaully, 'f you d'id not pay the -New Balance' bran the pmvious Nllirg period In fiN, finance charyea continue to acenw to your agaid balance omit the unpaid balance is paitl in fWl. This mean that you me still owe fironce charges, even if yw pay the rsttire New Balance indceted on the tram of your atatemem by the next erotemem Uoairrg date, bu rfid nm do x for the preMars month. Unpaid finance ehergea are added to the apdkade aegmem oT your Accent. f c. Mitkwarr Fir~raa Cnargo. For each dllirtp period that reel FINANCE CHAR~GEtof SO~$p%hjl,Uper~ ~~ r j,~ teal finance charge mooning iron the application of your periodic rate(s) is less man 50.50, we wall arrbtratt shat amexrt ban Me 50.50 midmrrm all the rYfhrence will be titled to the purdux aepnerrc ai your accexe. t d. 7arryaary Rafkteferr it Fitnea qwg We rexrve the An m tort easesa any err all finance charges for any given billing period. 2. a varapa DMY Balance IktWsdkrg New Wrrhenl. . Rrrerrce Burge Is calcukted by mriddying rise daiy balance of each segrnerrt of your accoum le.g., rash advance, purrdsex, specter trarssler, ell special purchex) by ill cerresporsdirrp daily periodic ratelsl that has been previously rfiadoxd to you. At the ell of cads day during the babrq penod, we apply lire daily periodic rate for each sepnlsn of your acwux to the Gaily balance of each egrtrern. Then at the and of the billing period, we add rp the results of these logy celrsietiau to arrive et you periods finance drerge for each eegrrrern. We add uprthe reauta from each segment to ardor at the teal periods finance charge Wr your accastt. To get the dally balance fa eadr sepnem of your acrxxan, rva take the Degimirp balance for each segmem and add any new trensactiau and any periods firuura Burge olcdated on Bra provioue day's Dalarrce ror 1Mt xgmem. We then wMrod erry peymenn or credits ported as of me[ day that are allocated is ea~dr~~~ THS fives ce the ar:perate daily balance segmem of your accent. However, iT you paitl the New Belartce shown m yerr proviele rtetemem in full (or f your new balance was zero ore redo ameax), craw trarresctiau which post m your purchase or special ~ICdate v~erage deli atkled mbtlse~ppy nalthe ilWe balances «gethar and 4viOrrg the sum by the number of the days in the curers 691irp cyde. To ralcdete your told finance charge, multipy your average daily bdanca by the daily periods rota and y the rasnber of tlays in the balirq period. Drra to rourr6ng m a dray bais, there may be a sligrn varisrrce between ma calculation arM the amourn of finance charge actually aeaesaed. b. If the coda Z or N appearo en the ban of this statement reoxt~to Balance Rate Apdied To,' we multiply the ^rtportant Notice: Paymems you maa to us will be creditetl to your aCLesst as of the buaineas day we receive it, Provided (11 You send the boners porom of rNs atatemern arM your check the endoaetl remittance envelope ell 12) your payment is recdved in our pracasalrp rxsser bV 3 P~m. ET (12 ram PT). Poeax allow at leatt sue 151 business days for postal delivery. Peymema recdvatl by us at anV mbar location or in any aher form max not be crorFed as of the day we receive thews, Our tsdrsesa days am MendaV fhrwph Saturday, excludng hdidays. Reax do not use napes, paper dips ttc. when preparirp ywr peymem. When you sand us a Urxkla), yw authorize ue to make a areafine dettronic trarufer dent from your bank accoum ror the arrant of the drsck. This autlpdzadon appkea to all dlecka rararved during the filling cycle even if aem by aomeme aloe. If yw carrot pmcesa th¢ tmrref¢r, you authorize rte to make a charge against yerr bank arx:oum uoirq the check, a paper drab or other hem. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating to unsworn falsifications to authorities, that he/she is Sara Rubin (NAME) Agent of ~~ ~ ~ ~ I~ lain ' (TITLE) C MPAN~ ~ p tiff herein, that he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Complaint are true and correct to the best of his/her knowledge, information and belief. (SIGNATURE) ~.~,sSVC~~, N w ~~ N a~ ~J '7`, ~-G C] -" ., {~-, :~ T"~ r ~~ -~ ~'~ ~-,~~: - ,-i ~ ~-.~ SHERIFF'S RETURN - REGULAR CASE NO: 2007-01973 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK VS PENNYPACKER VICKEY L VALERIE WEARY Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon PENNYPACKER VICKEY L the DEFENDANT at 1759:00 HOURS, on the 25th day of April 2007 at 92 B FAIRVIEW STREET CARLISLE, PA 17013 by handing to VICKEY L PENNYPACKER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 4.80 Affidavit .00 Surcharge 10.00 .00 ~l.?3f(97 ~ 32.80 Sworn and Subscibed to before me this day of , So Answers: .~ ~~~ f R. Thomas Kline 04/26/2007 WELTMAN WEINBERG REIS By. Deputy S riff A.D. IN "fHE COURT OF COMMON PLEAS OF CUMBERLAND COON'hY, PENNSYLVANIA CIV[L D[VtSION CAPITAL ONF BANK Plaintiff vs. V(CKEY L, PENNYPACKER Defendant No. 07-197;-CIV[L PRAECIPE TO SETTLE, DISCONTINUE and END FILED ON BEHALF (.)F Plaintiff COUNSEL OF RECORD OF 1'H1S PARTY: James C. Warmbrodt PA LD #42524 WELTMAN, WEINBERG & RE[S CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 1 X21) (412)434-795 W W R#0.5858015 ` i IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CNIL DIVISION CAPITAL ONE BANK Plaintiff vs. VICKEY L PENNYPAChEIZ Defendant Civi( Action No. 07-1.973-CIVIL P~RAECIPE TO SETTLE DISCONTTNiJF and FND TO THE 1'120THONOTAI2Y OF COUNTY: Please kindly Settle lliscontinue anct End the above captioned matter upon the records of the Court and mark the cost paid. Sworn to and subscribed Before me the /~ Day ofJi1LY, 200 NO ARY P L,iC WEL~TMAN, WEINBERG & REIS CO., L.P.A.. dt 1~INBERC.~ & REIS CO., L.P.A. wilding 43 Sevent Avenue P' sbur , AA 15219 ( 12) 4-7955 #05858015 271 Kohpur By: -~ James C am I'A LD 42524 WF~L' MAN, ~~ ~bNNM _~ fW~ ~NNS~fI.VANIA Notarial Seal Public ~~ayne Q ,m~es, Nc*~arY (1tyCu PittsburcJh, ~Ilec3r~~'ny:.ountYQ Whr ^on nission Expire: J..~ ~ 2.9, ,°'- ' _ ~. ~Aem'~~~. r,"'nSyt~aania ~•..•::;cia~on of ~;~erie<, r~` ~,, c ..~ c~ ~ .~~ ~ RY ~ w . ...+ ...'~. .s