HomeMy WebLinkAbout07-70841
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
VS.
LILA L MCFEELY
Defendant
No: 7618Y C71 `T .
1
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.
436 Seventh Avenue, Suite 2718
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06139772 C A Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs. Civil Action No
LILA L MCFEELY
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:
LILA L MCFEELY
719 E 28TH ST
ERIE, PA 16504
3. Defendant applied for and received a credit card bearing the
account number 4388642034716590 .
4. Defendant made use of said credit card and has a current balance
due of $1511.53 , as of October 05, 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
26.740% per annum on the unpaid balance from October 05, 2007 . A copy
of Plaintiffs STATEMENT 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 , LILA L MCFEELY , INDIVIDUALLY , in the amount of
$1511.53 with continuing interest thereon at the rate of 26.740% per
annum from October 05, 2007 plus costs.
WELEINBERG & REIS CO., L.P.A.
Jam79V72 armbrodt,42524
436 h Avenue, Suite 27.18
Pit, PA 15219
(417955
FAX 38-7130
061 A Pit SJS
This law firm is a debt collector atteting to collect this debt for
our client and any information obtaine will be used for that purpose.
f i CW KYFF
Kee our
finances rt
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest
• Request a copy of your credit report from a credit reporting bureau regularly.
KYFF•1001
all GOLD VISA ACCOUNT APR 11- MAY lo, 2005
4388-6420-3471-6590 Pagel of 1
Account
Previous Balance 5875.89
Payments, Credits and Adjustments $.00
Tranuc ions $35.00
Finance Charges $19.46
New Balance $930.35
Minimum Amount Due $930.35
Payment Due Date June 10, 2005
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash 5500
Available Credit far Cash $.00
At your service
To nil Customer Rdatiom or to report a lout or stdm nrk
1-800-903-3637
Sindpgmautc Send =q=iw to;
Attn: Renthum Proar ng
Capita One Bank Capilll One Senior
P.O. Bas 790216 P.6a Bo= 85015
St 1^u % MO 63179-0216 Rx nmomd, VA 23285-5015
Payments, Credits and Adjustments
Transactions
1 10 MAY CAPITAL ONE MONTHLY MEMBER FEE
2 10 MAY PAST DUE FEE
$6.00
29.00
You were asaagged a pmt due fee of $29.00 on 05/10/2005 because your minimum payment was not
received by the due date of 05/10/2005. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capind One.
Due to the paa-due starve on one or more of your Cq&d One aecoum(s) ending in 6590, 8021, your
charging privileges on these accounts have been snspended in accordance with your Customer Agreement(s).
As soon as these accounts are back in good suDdtng, charging privileges on these accounts will be reacred
within 7-10 days. For np-to-date payment-due information, you an all 1-800-955-7070. If you've already
made your payment(s), please disregard this message. Thank you.
EXHIBIT
Finance Charges m
P&wwrm"JudejarisgpWaarixffomw
rmr,We P
6
•K l
o
ada. 1.
1
e,.a l:t1
PURCHASES
CASH SUSAS
$.00 07326%P 204%
.0rX%P 26.74% $19.46
$.00
ANNUAL PERCENTAGE RATE applied this period 26.74%
PLEASE RETURN PORTION BELOW WITH PAYMENT
?e•
0000000 0 4388642034716590 10 0930350100000930357
New Balance $930.35
Minimum Amount Due $930.35
Payment Due Date June 10, 2005
Total enclosed $
Account Number. 4388-6420-3471-6590
P4anprertediru eAieq. Ad aurM6 -,Wk k
weer Apr t
Qrf s? z1P
Home Phone Alteme Phone
1{9013147908325173# MAIL ID NUMBER
LILA L MCFEELY
Capital One Bank ® 719 E 28TH ST
P.O. Box 790216 gill 1111
-' ERIE PA 16504-1206
r I?
St. Louis, MO 63179-0216 ?
IIII1111II1111IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII ? :lie IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII11111IIIIIIIIIIIII
Pkare wnteyar arm mt 8Lwher arc yar check or Money order Mtade f wwh1e to CaprtalOwBank and marl In the enlaced emulate.
r
. ke
8
O '
LL
a ?N
pabdc rare. To obtain the avenge dMy Wiw?e Tor tie
frig covered by Was autrrwe, we take the
rn add any new
balance of each aerraanna nd=,,=, Mpnenms
m
derlathe ash,de
on ft
or cradn. nom to c o N appi
obtrent w d l1rone fWe Applied To; we as
ao
wMnc any torrid fkrwge charge I d In to ImLonce
o
sownern we add f each . MT ort, .) This tv gives u the dairy ddb balwee of r each
ch llor each
segos for the billing paebdMenthe dolly d dMdelle amral
m mbw of dap in the big psdod This gvea u 1M
average dally ba(sroe of each sepnsn.
3. Mast hiawraOs 11atu fAPR4
a. The term 'Annual Parcamap Rate' may appear as
'APR' an to from of this atatwort.
It. If the code P fdme), L (3ao. UWM, C (Cwdffcae of
(Bwtuird Pill ) appssn m the from
Of
two ow"now nom to Vw pet MON. to rates and *m espordn g ANNUAL PERCENTAGE RATES
may wry qurtariy and may kxnesse a decrease based
w the amud Widow, as iourlddrinn The Wig -VW
veto b eMectvs tee to SM day you
Th. d=
bait b; Wur pedod)o stateroom MK%
ry, Apd, JW and October
.
c. If the code D (Prkms). F (1 mo. BOM or a (3-mo.
UBOR Repdoed AlwmN==, from of ur
stetowwok nest to the psmode
and ?ph?no ANNUAL PERCENTAGE RATES may
wry maAiy or Yr?ars a decrease based w the
stated kilos, r fourd fn TM Wag S&ow Jmwn4 pka
the nur& psMaraly asdoaad m you. Tloee dernpes
vA be ? w be
each m /M daY of Yea tlYnO gated
4. Assessment of Las, Ovw&At and Blkartd ?4 Fasts.
Your accow vdl be esaeaasd r mom than two oT de tss
hued here dr occur dmkq any Ming peAad lhndw the
rams of Yw cuaaner agswnwm, we mar. Vne dgin m
weiw or no to sass shy Jose vAlhout pdw nMArsdan to
WOW weivkp our dgin to aver the awns w aknNsr
a • Insr tine.
5. Yaw
appears an from of this t N storeroom, rrhr you Taa have 30
cdays town the csn wt this aiererar
days to have s eared a you to
avid MyhO the fee or to haw fee created to you
if youcaned your acc scomim. D iv No period, you my
m leer hi toss yow ur aeearm wft vvitlhout havi ng to pay
me the
m fity ke by tae. To cancel you aRCCOLIM, at" you Deparmem
MINK
am:1 ppauyo?ur New Bola- -In AAI (Wckm* the
membwwap 1s) pdw m dw C of to 1Nny?day period.
& fry. C.. Yes Asaarat V car' esgten to dos
pyomns awmmt by cW Wp our Crwtwrw Relstloro
Orparurra. You must dstroy yobs .aril card(s) aria
acodrm scorn decks, cancel am Pmatit odzea blimp,
and owes las sotwm. If you do not cancel
PreaWrodzad arwpalort, hie vdl cadder
receipt of a charge your aurodzatlan to btlaoeaam. Addtedy, you accomn vM o
mN you pay ON amounts YaU owe W bmkxk a any
traraetlww you haw SU&Mbed, Ahwee ceps, pest
due Use, oveNMt fees, maned paymerk foss, cash
advmw fees and a^Y ofnsr Stsfor these smarms asesaM loYovhthelMur r
aComo. You are
reapowlhle
Veb appear m year secant at the li m you rsgtwn m
dos the •m00tam w they ate kwured wrs4wUt m
yetw ago oL d aloe you This my . In
the dha appeadnpMs
ynr eocatm if k Ir akaady been closed For exwrpb.
if you mal • pmcfew rorrh • m aft and we
receive the e Uaresctian from d w t afar y
tocaro era been aieaet4 you aoccum: ow sr wV =are reopened,
the wont Vow
of the be added I ffa,
wwordbosualv? ?rlp fo r ponobor year e a for was the fee . If s
m be the m SIGN by low, a the
.roue birros Ma been in Al as defiled above.
7. UsIrG ram Aaasat.Yw card or so=" caww be
Used In conneraim MN any Worrier gerMiq
Vornecdow
S. Mein About iaMw I Choo k Conversion. When you
provide a ofeCW as peymtm, you audorko un akhm to
as ktanwilon from Vow t I I to nuke a are-tile
slocoor C UW derlefer from your bmk acmat or m
Preosas thapeynr as a . . vannaataon Whm we
ewe kderrwdal fmM yar deft to robe w alecroric
find transfer, %nds may be vAddrawh from Pots bank
amo m, as sow as the arm dry we rsosha yar
= =', receive your deck beck from
MIXING RIGKrS SUMMARY
(in Gee Of Erroa Or Oustlam Man Yw BM
If you Vimk yar (swamp, w k youreed new
lefonmalon m a vweocdon r bill, wall to W w a
saparaa fret As sow s poaa6le at the address for
khpinW dom an the tram of Zia satwronl. We newt
hew from you no late for' 00 drp afar m ark You the
Arst lei on which tie ow or Problwn appeared Yw rah
call our Crwamer PAUfte mtfier, but dokp w vH not
preserve bw rigirta In Votr leas, give us to fdlowkhp
.domwfam yna roome and arcnum enter, the door
amomn of to s apecred error, a dsec lpdw of to error
and .t apwmdw, N possible, of Wwfhryy yar beBsve time is
ash error or N you red mom Ydormakn, a deem II I of
the hwn you are mess about Ye-.,-VOW p do not have to pay sty
arnaw M Wit tie are h, btA you
are ON d sled m pay the ports as nut
In question. vra Wrwood" yaks qusdorn, .e can=
=-V. w take shy acdw to rn/oct the
t,t Special 1fiN For Credt Grd Plachsas
If you have a prmhlan wfih fie guilty of property or
serWoes that you purchased vAM a creel card and you
have tried In good fahlh to correct the problem Wth the
merrier, you may haw the 41% n= to pale the at wh* r
r,amt due m the papwty or swNOS. You haw this
M==P= t)hw
made in yar deem eras or
witHn 100 miles of ytrr rob address. (if we own or
operate the mercJmm,por If stye nr I you the advordsomera am
covered rep rdto ess of rpar or soces purchases
out orrrci;ra Mof purchase.)
Rene wnamkw to alp M oarospmdsrce.
t Dates had Mary b moue. Aw"faM cad acroaNs
3 Doer nor appy to brc24xn nos-cradf card accowrn
One supports IrlNurolim privacy pmactiw: was
w
at Wow. mom.
One m a rgnwed sanvlca rank of Copied
OV Caporadat All rigina nerved a Of?LOL64K
t a. Oeaa Perla6 You wi have a mkirman grace period of
==! rrrce tlrrpa w pmbfosw, now
new apaeiM pureheaea and new atlrsr
. . I ? e Impor?tar[ Nair for p ymrro bole.,
all in rims for It to be as I by Vow m ea saoanan
wed p?srJal trwWwa. a Waco parlod m cash advances
In n, Owe Is ?aoe period
M wry var'aactlah M you do not pay the tool New
balarnoa.•
b. Aaamip Fb -roe Chaps. Trrrewlorr Midi are not
1mm the dare of?dr t?iwne?ntlonie a 2)dtmm ?thr dau?tMf l
tanucllal is proeasw' m you Acmat or 3) from the
Anw derhdar day of *; st birp pwfod AdditW Wy,
If you rid not pay the ew Balrnos flan the Itedohw
perk I In OA, ikrlOe charges cor ram to some to
upaW halos call to MMM b"m Is pdd h 6A.
Tmere Vert you miry st1 ago fiance deryee, even lf
you pay the "re New BYrwro ' - 'on the irmt of
You MWwAnt by the now stom em dwI g des, but did
not do so fie the pmNOw nPwidL Uepoid Anernpe rdupw
em added m Use segrrast of yar Atxaat
tc. bidaaan P)tareeagack . FVr each hip period that
SOODUM toted FW,NCEdrOarpNsirgeaEr/otff 160.50 wi?6be Imposed. If the
paiodb taoo(H ialeaa Ulan 30.60, ern tvr atbuad ltar
momma from the 00.6a0smgrtria me aynad the Ahem. will be
td. Twhperry Rkr ItirreedOiap. We near. the
right to not aasae ary or al Arc A g, for any glwn
2. A= Nq S Nirea (YraYrir? New prdrs.1.
a. Rsrxe charge (sealaiaad by mtgdWWq Vho dolly
balance of each sag mere of your somas (e.g., rash
advance, pAcho o, special trrwiar and apedal purdras)
by the
daffy 'Mock reamed the hrs bear
pmv4wlypafod, to you. At the and of each
rate =
the
rgh?[gd yaw accom m thedd% = of segsam. Thar at the and of the bNrq perb4 was each
add kq
the rswhs of tlase defy daiatlarr to rdw a
esch soomerc We up to
nwAm Iaach angst for
from l
Arhoe rhagr for ytr armat. To pet the defy baace
fie each aeghrt of Vat aoraut, ww coke the bogimip
balance, for each aAegm recd why new tan
day's for Vat aegrhem. We than stDUect
pay w or oreaw posted s of thtt day that am aloumd
m the segos. Thin giwa to the separate defy balms
for esc h segMM of you smut Flowevsr, H you peed Val
New Balwoa shown on Vote preview farlrt In N (or
if your row bolwtx .w nom or a sea[ warm), m y
traraclar which post to yaw pnrc ow w spode(
- we not Vie bslrhos by ad ef the arWe
balrhose to/sVw ar id td QvAdrp thecan by the raanb of
Val day h tha artat Gip cyde. To cikalote Vat total
Arne cope, ?111p1y you average defy he(snca by the
dsiy psthode rams end by Vhe nether M by in Uhs hip
Pelted. pars n rotimb w a defy =a=-y be e
ro drpms ? osess2droouht ter
rd-- b. If Val Dods 7 or N a sm w the from of this stsorom
rhwn m'Balrhca ram Appled To; we Kddply the
FY tertsnc Ps? you and to tie wi be ended to your so=" as of to budrow day we mocha k. provided (1) you saW the better, pordw of IM stwerom and yas dock
sad anvelrpe and (2) yaw gymat Is rskxivad prow wooa mIrV cw,w by 3 p.m. ET (12 row Pro. Pbwe al ow a lean live (6) business drys for postal tlNvwy
Payarrwuts received by un at any odor Mcadan or in arty char kmr may rt bs aodted_ as of the dear vie receive Vnm. Om -= a, day an Mwday f wig h SatmWy, wadudrp tsfdays.
F1swe do o raw amps, paper rip ate. .item pnparip Y peyaan Wlon you sand ve a W, you aufedze v to map a artWlr decaorie trawler habit from your barnk
acmaa for the anaan of fie deck `This attdnotizaban appiatto al docp noeivsd dmkp the big cycle every It am by samara des. N we tarot
un to map a charge aykrt Votr bark axes, take the deck a payer daft or oler (tam. process the traw(sr, you au/edze
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
(NAME)
i
of plaintiff herein, that
(TITLE) (COMPANY)
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)
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION CAPITAL ONE BANK
Plaintiff
vs.
LILA L MCFEELY
Defendant
No. 07-7084 CIVIL TERM
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
JAMES C. WARMBRODT
PA I. D #42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
VWVR#06139772
r '4
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs. Civil Action No. 07-7084 CIVIL TERM
LILA L MCFEELY
Defendant
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
SIR:
Settle, Discontinue and End the above-captioned matter upon the records of the Court without
prejudice to refile and mark the costs paid.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By: _
Afton
2718
436 S
(4
SWORN TO AND SUBSCRIBED
before me this OS day
N ARY PUBL)for Plaintiff
of? , 2007
ppers Building
,nth Avenue
h, PA 15219
t-7955
3139772
1, 2MO
by
Aw
` ' Imo'