HomeMy WebLinkAbout08-0372
Our File No.: 135579
APOTHAKER & ASSOCIATES, P.C.
BY: David J. Apothaker, Esq.
Attorney I.D.#38423
2417 Welsh Road, Suite 21 #520
Philadelphia, PA 19114
(215) 634-8920
Attorneys for Plaintiff
CAPITAL ONE BANK
c/o Apothaker & Associates, P.C.
2417 Welsh Road, Suite 21 #520
Philadelphia, PA 19114
Plaintiff,
VS.
SVETLANA M PATLATYUK
449 WOODCREST DR
MECHANICSBURG, PA 17050
Defendant.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO.. 08 - 311
0'wi I `'tom
NOTICE
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 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.
CUMBERLAND COUNTY BAR ASSOCIATION
Lawyer Referral and Information Service
800-990-9108
AVISO
Le ban demandado a usted en la corte. Si usted quiere defenderse do estas demandas expuestas en las paginas siguientes,
usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o
con un abogado v entregar a la corte en forma escrita sus objeciones a las demandas en contra de su persona. Sea avisado que si usted
no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte
puede decidir a favor del edemandante y requiere que usted compla con todas las provisioner de esta demanda. Usted puede perder
dinero o sus propiedades u otros derechos importantes pare usted.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL
DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA
CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR. ASISTENCIA
LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
Lawyer Referral and Information Service
800-990-9108
4
APOTHAKER & ASSOCIATES, P.C.
BY: David J. Apothaker, Esq.
Attorney'I.D.08423
2417 Welsh Road, Suite 21 #520
Philadelphia, PA 19114
(215) 634-8920
Attorneys for Plaintiff
CAPITAL ONE BANK
c/o Apothaker & Associates, P.C.
2417 Welsh Road, Suite 21 #520
Philadelphia, PA 19114
Plaintiff,
VS.
SVETLANA M PATLATYUK
449 WOODCREST DR
MECHANICSBURG, PA 17050
Defendant.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO..
CIVIL ACTION COMPLAINT
FIRST COUNT
Plaintiff, CAPITAL ONE BANK, is a company with its principal place of business located at c/o
Apothaker & Associates, P.C., 2417 Welsh Road, Suite 21 #520, Philadelphia, PA 19114.
2. Defendant is SVETLANA M PATLATYUK, an adult individual residing at 449 WOODCREST
DR MECHANICSBURG, PA 17050.
3. At the special instance and request of Defendant, Plaintiff sold and delivered to Defendant goods
and/or services at the times, of the kinds, in the quantities, and for the prices set forth in Plaintiffs records. A true
and correct copy of which is attached hereto, incorporated herein by reference and designated Exhibit "A".
4. Defendant received and accepted the goods and/or services described in Exhibit "A".
The prices set forth in Exhibit "A" are the fair, reasonable and market prices for said goods and/or
services, and the prices which Defendant agreed to pay.
6. All credits, if any, to which Defendant is entitled, are set forth in Exhibit "A".
7. In addition, Plaintiff avers that Defendant has failed and continues to fail to make any payments,
leaving a balance due and owing of $2,303.02.
8. Although demand has been made, Defendant has failed to make payment of the amount due as
above. '
WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of
$2,303.02 and requests this Court award Plaintiff attorney's fees and costs to the extent permitted by applicable law.
APOTHAKER & ABS?OCIATES, P.C.
A Law Firm En ed In Debt Collection
BY:
Dated: 1/8/2008
Our File No.: 135579
VERIFICATION
L141 - , hereby states that I am for plaintiff in this
action, and that I am authorized to take this Verification, and that the statements made in the
foregoing Civil Action Complaint are true and correct to the best of my knowledge,
information, and belief. The undersigned understands that the statements therein are made
subject to the penalties of 18 Pa.C.S.A. 4904 relating to unsworn falsification to authorities.
DATE:
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Account S
Previous Balance $1,384.91
Payments, Credits and Adjustments $.00
Tnnsactious $29.00
Finance Charges $23.19
New Balance $1,437.10
Minimum Amount Due $1,437.10
Payment Doe Date April 04, 2005
Total Credit Line $1,000
Total Available Credit $.00
Credit Line for Cash $1,000
Available Credit for Cash $.00
At your service
To all Customer Rdatioae or to report a lost or stolen ardo
1-800-903-3637
For free online account service and spec+l aatomer offers, log on to:
--pitalone.com
Send Paymma to: Send ingairin to:
Attn: Remittance P-sing
Capital One Services Capital One Servim
P.O. Box 85147 P.O: R. 85015
Ridunond, VA 23276 Riebmond, VA 21285-5015
Important Account Inforniation
Please review the important information enclosed with your
statement and keep a copy for your records.
n
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PLATINUM MASTERCARD ACCOUNT
5178-0522-4782-7799
FEB 05 - MAR 04, 2005
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 04 MAR PAST DUE FEE $29.00
We will be changing how we allocate payments and credits to your account no sooner than your
June 2005 billing period. As stated in your Customer Agreement, this may include allocation to
balances with lower annual percentage rates (A.P.Rs) before balances with higher A.P.Rs. Please
call the number on the back of your credit card if you have questions about the specific changes
to your account.
You were assessed a past due fee of $29.00 on 03/04/2005 because your minimum payment was not
received by the due date of 03/04/2005. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges Please tee revmesidefor important snfarreatim
13a-rate Perro.& co-se,
Vhel k ran
PURCHASES 111,396.05 .0593296P 21.6596 $23.19
CASH $.00 .OS93296 P 21.65% 3.00
ANNUAL PERCENTAGE RATE applied this period
21.65%
T PLEASE RETURN PORTION BELOW WITH PAYMENT T
CapiMMO a 0000000 0 5178052247827799 04 1437100100001437107
New Balance $1,437.10
Minimum Amount Doe $1,437.10
Payment Due Date April 04, 2005
Total enclosed $
Accouat Number. 5178-0522-4782-7799
PGareprosr,naai„daraeu any e-?ae?,aH aer ,,.rndar?e ?r ar?e.6 m.a
S?eet Apt. Y
City S- ZIP
Home Phone Al.- Phone
#9006403380043746# MAIL ID NUMBER
SVETLANA M PATLATYUK
Capital One Bank 5071 BASS LAKE DR
P.O. Box 85147 APT 103
Richmond, VA 23276 HARRISBURG PA 17111-5881
Platte writeyow auoant nwnbn on yow check or money order made payabk to Capital One Bml and mail in the eaclored emWopk
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SHERIFF'S RETURN - REGULAR
CASE NO: 2008-00372 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CAPITAL ONE BANK
VS
PATLATYUK SVETLANA M
NOAH CLINE , Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
PAYLATYUK SVETLANA M the
DEFENDANT
at 1930:00 HOURS, on the 6th day of February-, 2008
at 449 WOODCREST DRIVE
MECHANICSBURG, PA 17050
by handing to
YEVGENIA YEVTUKH, MOTHER
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
Service
Affidavit
Surcharge
18.00
28.80
.00
10.00
.00
56.80
Sworn and Subscibed to
before me this day
of ,
So Answers:
R. Thomas Kline
02/07/2008
APOTHAKER & ASSOCIATES
By: Deputy Sheriff
A. D.
CAPITAL ONE BANK,
Plaintiff
V.
SVETLANA M. PATLATYUK,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION
NO. 08-372 CIVIL TERM
DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT
AND NOW comes Defendant, by and through her undersigned attorneys, and files these
preliminary objections to Plaintiff's Complaint in the above-referenced action.
1. DEMURRER PURSUANT TO PA.R.CIV.P. 1028(a)(4)
1. Plaintiff apparently seeks to establish a cause of action for the price of goods and/or
services sold and delivered to Defendant at Defendant's request. (See Compl. 13.) In such an
action, it is necessary to set forth the kind and amount of the goods and services; dates of sale
and delivery; prices therefor; and Defendant's alleged promises and failures to pay said prices.
Altoona Concrete Construction v. Knickerbocker Contracting Company, 29 Pa.Super. 512
(1905); Steelton Planing Mills Company v. Kunkel, 20 Pa. Super. 72 (1902).
2. In Plaintiff's Complaint, none of the foregoing facts are pleaded. Instead, in
Paragraphs 3 through 6 of the Complaint, Plaintiff alleges that all of the foregoing is set forth in
Plaintiff's Exhibit "A" to the Complaint. Upon reviewing the document attached as Exhibit "A,"
however, the only "transaction" listed on the invoice is an alleged "Past Due Fee" of $29.00-no
other transactions are listed.
WHEREFORE, Defendant respectfully requests that Plaintiff's Complaint be dismissed
for failure to state a claim upon which relief can be granted.
II. MOTION FOR A MORE SPECIFIC PLEADING PURSUANT TO PA.R.CIV.P.
1028(a)(3)
3. This Count of Defendant's preliminary objections is filed in the alternative to the
demurrer.
4. It is not possible for Defendant to respond to Plaintiff's Complaint, as none of the
transactions to which Plaintiff refers in Paragraphs 3 through 6 of the Complaint are set forth at
all. See generally Hall v. Tuccelli, 40 D & C 533 (Wash. Co. 1940)(proper remedy, where the
complaint sets forth a good cause in substance but is vague and indefinite, is to strike the
complaint with leave to amend to fill in the particulars).
WHEREFORE, Defendant respectfully requests that Plaintiff be required to file a more
specific pleading, wherein the Plaintiff must set forth the kind and amount of the goods and
services supposedly provided; the dates of sale and delivery of each of said goods and services;
the prices therefor; and the Defendant's alleged promises and failures to pay said prices.
Dated: zlt q10
Of Counsel
Beckley & Madden
212 North Third Street
P.O. Box 11998
Harrisburg, PA 17108
(717) 233-7691
Respectfully submitted,
G. Milakovic
Thomas S. Beckley
Attorneys for Defendant
2
CERTIFICATE OF SERVICE
It is hereby certified that a copy of the foregoing document was this day served upon the
following persons in the manner below indicated.
FIRST CLASS MAIL
David J. Apothaker, Esquire
Apothaker & Associates, P.C.
2417 Welsh Road, Suite 21 # 520
Philadelphia, PA 19114
Dated: 7-11 ? A) f-
ohn G. Milakovic
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Our File No.: 135579
APOTHAKER & ASSOCIATES, P.C.
BY: Kimberly F. Scian, Esquire
Attorney I.D.# 55140
2417 Welsh Road, Suite 21 #520
Philadelphia,,PA 19114
(215) t34-8920
Attorneys for Plaintiff
CAPITAL ONE BANK
c/o Apothaker & Associates, P.C.
2417 Welsh Road, Suite 21 #520
Philadelphia, PA 19114
Plaintiff,
Vs.
SVETLANA M PATLATYUK
449 WOODCREST DR
MECHANICSBURG, PA 17050
Defendant.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO.: 08-372
NOTICE
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 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.
CUMBERLAND COUNTY BAR ASSOCIATION
Lawyer Referral and Information Service
800-990-9108
AVISO
Le han demandado a usted en la corte. Si usted quiere defenderse do estas demandas expuestas en las paginas siguientes,
usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o
con un abogado v entregar a la corte en forma escrita sus objeciones a las demandas en contra de su persona. Sea avisado que si usted
no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte
puede decidir a favor del edemandante y requiere que usted compla con todas las provisions de esta demanda. Usted puede perder
dinero o sus propiedades u otros derechos importantes pare usted.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL
DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA
CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA
LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
Lawyer Referral and Information Service
800-990-9108
APOTHAKER & ASSOCIATES, P.C.
BY: Kimberly F. Scian, Esquire
Attorney I.D.# 55140
2417 Welsh Road, Suite 21 #520
Philadelphia, PA 19114
(215) 634-8920
Attorneys for Plaintiff
CAPITAL ONE BANK
c/o Apothaker & Associates, P.C
2417 Welsh Road, Suite 21 #520
Philadelphia, PA 19114
Plaintiff,
VS.
SVETLANA M PATLATYUK
449 WOODCREST DR
MECHANICSBURG, PA 17050
Defendant.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO.: 08-372
AMENDED COMPLAINT
FIRST COUNT
1. Plaintiff, CAPITAL ONE BANK, is a company with its principal place of business located at c/o
Apothaker & Associates, P.C., 2417 Welsh Road, Suite 21 #520, Philadelphia, PA 19114.
2. Defendant is SVETLANA M PATLATYUK, an adult individual residing at 449 WOODCREST
DR MECHANICSBURG, PA 17050.
3. Defendant applied for and received a credit card from Capital One Bank, account number
5178052247827799.
4. Defendant used the credit card, account number 5178052247827799, and as of February 13, 2008
there was an outstanding balance due and owing in the amount of $2,303.02.
5. Attached hereto as Exhibit "A" and incorporated by reference herein are Credit Card Statements.
6. In addition, Plaintiff avers that Defendant has failed and continues to fail to make any payments,
leaving a balance due and owing of $2,303.02.
7. Although demand has been made, Defendant has failed to make payment of the amount due as
above.
WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of
$2,303.02 and requests this Court award Plaintiff attorney's fees and costs to the extent permitted by applicable law.
Dated: 3/19/2008
Our File No.: 135579
APOTHAKER & ASSOCIATES, P.C.
Attorney for Plaintiff
A Law Firm Engaged in Debt Collection
VERIFICATION
hereby states that I am for plaintiff' in this
action, and that I am authorized to take this Verification, and that the statements made in the
foregoing Civil Action Complaint are true and correct to the best of my knowledge,
information, and belief. The undersigned understands that the statements therein are made
subject to the penalties of 18 Pa.C.S.A. 4904 relating to unsworn falsification to authorities.
DATE:
APOTHAKER & ASSOCIATES, P.C.
BY: Kimberly F. Scian, Esquire
Attorney I.D.# 55140
2417 Welsh Road, Suite 21 #520
Philadelphia, PA 19114
(215) 634-8920
Attorney for Plaintiff
CAPITAL ONE BANK
Plaintiff,
VS.
SVETLANA M PATLATYUK
Defendant.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO.: 08-372
CERTIFICATION OF SERVICE
I, Kimberly F. Scian, Esquire, attorney for Plaintiff, certify that on 3/19/2008, I mailed a copy of the
Amended Complaint by Regular mail to
JOHN G. MILAKOVIC, ESQUIRE
212 NORTH THIRD STREET
PO BOX 11998
HARRISBURG, PA 17108
Date: 3/19/2008
kioerly F/Scian, Esquire
Attorney r Plaintiff
Our File No.: 135579
Your account is temporarily suspended
from future purchases and cash
advances due to its past due status.
A good credit radn can an help you get credit cards,
a cell phone or even aLob.
CtoditswidAdi
ACCOUNT STATUS FOR:
SVERANA M PATLATYUK
We may be Vlble to help you restore your charging privileges:
• Use our free Check by Phone service by calling i-Soo-955-66oo. TSSU5PE DEDY
• Call our friendly associates for payment options at the number above.
• If you have online account access, log onto your account and pay now at
r
www.capitalone.com. Tar n coplmk)w
• If you prefer, simply use the payment coupon below.
The purpose of Wds otter Is to coped a debt Any inforrnstion obtained will be used for that purpose.
O 2004 Capital One SerAces, Im Capial One is a federaVy registered service mark. AD rights reserved. 042-0404
(?a CW PLATINUM MASMICARD ACCOUNT'
5178-0522-4782-7799
PreviousBabo a $1,278.49
Payments, Credh and Adjramnents $ 00
Transarisons $29.00
Finance Charges $23.71
New BaI2= $1,33121
Minimmn Anloum Due $33121
Payment Due Dare Fehruay 04, 2005
Tai Credit Tine $1,000
Taal Available Credit $.00
Credit Line for Cash $1,000
Available Credit for Cash $.00
Atycxtrservice
To aB Qnmme Rasikin arto report abet ar "m and:
1-800-903-3637
For five anTine somrt savior and spec d aetaner offers, log on to
ww-.ap'mbmmin
Send payment tx Send k pkiestm
At= Rer itmrroe Promsng
Cop'[mloneswam Cap'avloneserAw
P.O. Bar 85147 P.O. Bar W6
Ridumrd,VA 2W6 Ri koorAVA23285-5015
Imoormtrt Acoalnt Information
We would like to take this gWturk to Wn ern you that we
may rgrott information k011 your xmwrtto Credit biueans
The repordug of ytnu account infommtion to credit bureaus
contdbites to your merall ae3n Fo&. Tate payments,
missed paymdvs or odw defaubs on yaw a=unt may also be
tlf iny-ereditrepat.
DEC 05, 2004 -JAN 04, 2005
Page 1 of 1
Transactions
1 o4 JAN PAST DUE FEE $29.00
You were asse$ed a past due fix of $29.00 on 01AW2005 because yrna minirnum payment was not
received by the due dare of 01104'2005. To amid this fee in the fimae, we remmn>end that you
allow at least 7 bu mess days for you payment to reach Capital One.
Fmw,ne (Merges Pk=ser rraersesi&IfirimVwtmu iry&maora+
HASES
C 1•?
0 g 1
P
0
C
ASH 5 0
0
21A5%
.05
ANNUAL PERCENTAGE RATE applied this period
PLEASE RETURN PORTION BELOWWTTHPAYMENT V
~cw 0000000 0 517805224782779 04 1331210100000331217
New Balance $1.33121
Mk imurn Arnamt Due $33121
Payment Due Date Febr r 04, 2005
Total enclosed $
AcmmRNumbc 5178-0522-4782-7799
Pk-,*sitmai waddr ma*i-mddWW b r l a r n s a WA.-bh tsA
042
21.65%
Seceee Ape I
City stft ZIP
Huns Ph- Akam4 Pima
FinsdAdd-
#9000503380043749# MAIL ID NUMBER
SVETLANA M PATLATYUK
Capital One Bank 5071 BASS LAKE DR
P, 0. Box 85147 ?dull?nulliu?dd APT 103
Richmond, VA 23276 0 HARRISBURG PA 17111-5881
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Pkarr unkymvaavunt munM onyowdck or mormy order made payabkto Gs itd OwBamk and mail in ite endavdemreh7te-
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ksporhrt Novice Pewm= you mal m u vJl be credtad in your arrast as of to hrdn m deY „e n!celw proNdad ( i)you sand fie =M padm of tie araranea and, r otrlic
h to enclosed remhtsioe aMidd your peymet b recdvad h oir o?oo?Yia ?xn6s by 3 pm. ET (i rom Pn. Rmse dbw at beat f`e (W hater days tar pond ddrery
Paymab oPaer recdved W u R erry edrr -, Ot2) w or in any oQ? fam may rot 6a aedlled_ r of tlo cldaeyy vie mceWe prem. Ov husks days ere Madey tlsn?r 8a¢a?v? maiudrq fr?ys-
peer do ror ue sus, pier doe, sec, yJiar prepeRg pe?re?. W1ri you said u a derJrp), yw eudodze u m make a rxro-tno ebcoatk M deb=J7= air
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whatY In your INiaet?•
Your account is about to charge off as a bad debt.
• We report an R9 rating to credit bureaus when an account
charges off. ,
• Lenders and employers nationwide can access credit
bureau reports.
• An R9 will limit our ability to offer you financial solutions.
• You will still be responsible for repaying the debt.
Good news - it's not too late.
• Call s-Soo-955-66oo for payment options.
• Pay with our free Check by Phone service.
• If you have online account access, log on to your
account and pay now at www.capitalone.com.
• If you prefer, simply use the remittance
coupon below.
The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose.
® 2004 CaPM, one Services, lno. Capital One is a kederally registered service mark AN dgMs reserved. 045-0404
? ?ow
PLATINUM MASTERCARD ACCOUNT
5178-0522-4782-7799
JAN 05 - FEB 04, 2005
Page 1 of 1
Account Summary Payments, Credos andAdjustments
previous Balance $1,331.21
Payments, Credits and Adjustments fA0 Transactions
Transactions
Finara Charges $29.00
$24.70
1 04 FEB PAST DUE FEE $19.00
New Balance $1,384.91 You were assessed a past due fee of $29.00 on 02104/2005 because yaw minimum payment was not
o
0 th
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f
t
id
h
f
i
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Minimum Amount Due
Payment Due Date $1,384.91
March Oil, 2005 y
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imne, we reo0nm=
is
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e
a
t
oe
o avo
received by the due date of 02/04!2005.
sUa , at Last 7 business days for you payment to reach Capital One.
Tod Credit Line $1,000
Tod Available Credit S.00
Credit Line for Cash $1,000
Available Credit for Cash $.00
Atyourservice
To a di Costaner Rdatiar ar to np rt:lost w stAm and:
1-800-903-3637
Far five online w=uA savirt and spedd arstmna offal, lag on tx
--Pioalomaom
Sold paymma sr. Sad ire to
Amc Rmimm Pmaadng
Cnimlowswim CRpiuloneswirra
P.O. Box 85147 P.O. Ba1:85015
Rkhmood,VA23276 Rid-md,VA=95-5015
Finance Charges
? Balmnrrdr
,? appr?rm
PURCHASES $1,343
CASH
ANNUAL PERCENTAGE RATE applied this p mu
V PLEASE RETURNPORTIONBELOW WITHPAYMENT V
Pkmeseereverv dr ft mrtvra ttin76n"°tion
P` C-? ma
05932%P 21.6996 $2470
A5932%P 2LM 5.00
d 21.65%
ow, 0000000 0 517805224782779 04 13844010000138447
New Bala= $1,384.91
Minimum Amount Due $1.384.91
payment Due Date March 04, 2005
Tod enclosed i 71
AconuatNtmrber: 5178-0522-4782.7799
Sn Apr. e
city StW ZIP
Hume Ph- Alnsrate Phxe
0
E-aAddna
#9003603380043744# MAIL ID NUMBER
f?
- SVETLANA M PATLATYUK
1 Capital One Bank
Il
IIJ
I
l
III 5071 BASS LAKE DR
APT 103
IU1
1
u
un
PO. Box 85147
R . ichmond, VA 23276 . HARRISBURG PA 17111-5881
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Pk=uritey"aamod mortleon yow dick or money order madepayableto C*dd One Bank and mm1 in Nxenrlarrd errcrlopr;
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1. How To Awld A Floor Osp.
t e. tfaw Pabd You nee reeve a mfi nun eras period of poladc Bch. To ohm tie avaape defy hYSce for the
ding d M tie statement we talre the
any
r
c
w
t
day
of
each
belame you aaarn If It is already been Closed. For acmnple,
H W utho.* d a wcMae fare aamm odual a id
from ih.
ct
lu
ra
25 do" balance f>? carpe m new p? ? new
yau prey yar total *Nm aadss
N ?
,
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a
a
a
a
b each the Code
m
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e
=10=
m
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amoLint of to
d
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accordance
? dT
d
e
also
aaenea n
ola Bdro RsOe A
rt
t
l
-f
d
t
d i
b
h payrriara.
tiers In +
B?
ar
a?le for a
rd y
wi?n?i
be
to tea nee wnYraie
ov emoua
renbs'
110 IN
y your
and In tine for It to be
roa state no
n
Credited by
dsap dare. Thee Is ro gam period on malh admres
d srs
r
ta
a
n
o
e
stood any uPald lk- C
arge
of ear eegmet.) This giver u in deYy balance of each
r t
Th
dd
?nr 6Yarroee for each y
,
a
4
to be donped, b tl e ems[ tDcrd by law, aril me
a¢aut bisce hear been n 4! as dafnd above..
and gmdal traheera In adorer, tee Is no pace rio
m ay tarhsection If you do not pay the mel Newpe tp
o
segment.
at yes a
segnat for to biy= and dlNde by fie oral 7. Using Yahr AominLY r card or socout Prot be
hi
d
Wd
n
d-h
eaters.-
b. Aoatft Fkwma Orpa Tra scions vach are not
aped m a Pace Pedotl are cased trace dnsga 1) rcaba of days in to teary period. This ghee nee to
a daft/ balance at each segment.
3. Anaad IYas IAFR1. snet gen
ng
oanec
m
n any
use
a. womb .
8. Noliea f6ot 9saYaie Cherie Coro mdm? Whan you
I. the rime of the trrhaadiCrh or 2) from fro Art to
b Pocssed
bw
o
r
3)
hae
from a. The le rm 'Arced PacamsW fee" may appear as provide a dock as psyrnn4 you aufiodze u riper, m
?
Cu re
om
lo
d
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rt__yywau rid rot pay te'New Balaroe from to MAmm
b am
m
nd
d I
t
d
l G h male P 4rnB), (3-mo. U OM, C tCatfsre of
Oepoaltl, a S pfmic and Rimed appears an to nxa of
palodc MOON
the oarlock:
rise chas
m nondd
co che dearaic lad trsrbrr from yea be* a¢art a m
procam the ppe?yno as a deck varmcd n When ve
tree Momalon from you deck in make an der tnmic
hel s co
mo
race
om
n t
,
ybig perio
urpold
to urPold
balance Is Paid In ILA.
er
a?
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?
mm
?
CiE
ram and
UAL
d
rom W bank
VARr
oe
ne del
OLK
t
ry ai am ywce dugs, awn it
T1ia r t
y
°k m
You pay to shdB New Belsta ndcemd m rie Imd of booe
dsee or door
may vary yaroeily and may n
m the smmd Ydcea, are found In The VW Sbae[ sa
ay
ra
V
aavut s noon s
peymat, and you WN not B®Ne yea dnedk back from
You statement by fro rod wenont doahp dare, but rid
na do so iur the pradous math tipald I'm dwps .4wrrhs4 pits the mar?yn orsMoaM disclosed b you
Thm dwkpes vA M eNeOM m to fat day at yea
ad errin
a
rea
li
i
d
d b
d you tnandd Yodafiat
BRLIND ROITS SUMMARY
are added b the segment of your Amdtra.
tc finlrms, FRsw?Fa each bRV
MM that g
/ yea Ix
o
c s
nr
p per
o
idwe
b
n the maYre .lwtsy. .kiy?a?d_ OcNber.
n
O
a
F
t on cow Of Boca or 6 astio n Abakt Ycv 81q
ou need move
aa bi b wron
or H
yea acccon is m a face a a.**N the
coal FiMViCEa to, 00.60 wfl be
l o. LWfg
C
ir(.
c If the coke D 6MMO
?
Of {
LIM Reproved Moifiyp oppress on to tat of tote
l
s
t g,
y
:=m Y
a ouroma iah or bill, wrier to u on a
oaetle at ter address; tar
nes ~ s soon w
robe iv nskianp Zook aWy?arW yar
lM ? 7p. iii fiat o Vo
e ra
es
aashpa reed b ter parsec prep)
IT ANNUAL PBiCEifAOE AAT65 may
and p
Wa
Incols drum an the fiat of th statement. We due
tmout from to 00.60 nafrdrn and to astte die wM be
bled m to parer sapma? d aooar,L
W
ii
i =
vary °W Increaser or daasw based an to
emend ftdCaa, s land n lyre Wit Saost.ibtmaL pks
cheesed b you TToae do
s
to
in
viousl hear tan Vw no ter 1Mn BD drys aka we amt you to
fat bs m vlich to anon or prodan aWwmd. Y3 can
sal ova Uaro er R?Mtlon nmhe
but dig s xi not
soa asps.
e Brave f
t d Tspmay FMBallar in
re
saes any or d finance dorgs for any Oven
no
rids to g
marg
pre
y
vA be of eckve on to N! dry of Yea bldg Period
h
h ,
you ts in Wks due, rive u to ToF .'.
t¢a
room and account roarber
'the dollar
?x
{p d
p m
2. = palodfabrs p New Radmossi.
a. Rcance deep Is sjo/atedd by rraillplylrnp tO dopy eac
mont
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Yaa amour vA be aaea®d no mare ten tow f tee es
d
d
t
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aaPaYed error, a dsakWm of the am
w
of to
and an eplsadoh, If possible, V%== b
r R
u ne
d move d
balenoe of eaCh segment of you S,Cash
nce, Parise, epecd trades atl Pakcose) .
n
o
fared here to oear daft any big pedo
er
lens of you alatohet agromoM we Brave rte riO[ m an anon: o
yo
e
the Ran you are onus about. You do not hew to pay anY
n
at
It
der
u
n Wi
by to mne?p?q duly palodc mmW tot has been
peNOttly dladosedto you At to erd of each day d=
to V en apply tea Pentode Be er skip wave or not to asses ay lim Wdna abr notlfiloh m
wthat wtlvtg au riot to Saes the as a sneFar
at a pmt tlrto.
Ew
:: re we are
W O
,
yo
anon[
g
aB else b pay in peke d yaa_ biK fie[ eke Wok
In WaNkFL we In, Wu aretlm, ern terror
e
SWIM of yea accent b the ?elsce of each ,
R a manbaaldp fee
6. Ytv Aoo to mfr?t the
rgeot You s drJngert m talc r ocean
sapnev Then at the and d tM pad xi, we add up
VDUr le Wait Of tea day Caialeton m arrive at
I ypeaB m fie from of this a orme , you hove 30
osp Iron to dam tis statement ws malled to you to
ti
ou
3
e
racked or
d
h
t
t
h errant yw giedm
d R
d
S
l Ra
F
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C
a Charger is each segment. We atl tp to
periodic
realm fran sCh se
ment to aria a to teal periodic ?o?
y
h
e c
avi
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e
ow au
ae or
o
Yw may
It you caical your aCmurL Dufn ti pealed nws
pecia
e
or
a
t
a
a
i,t
g
linonx Chn; to Yon Saari. To ter the +1eYY bNshm
for each segment of yea s??a, we coke to beOraig
l ,
mmfua b ue yea amwt witfiaR having to pay to
nramberaflp tae. To seared yar aocaat, YOU mot
erendnt
Gasnor Rdadvhe De
i
if
b It you hake a problem Wh to quality of prpeny or
serviss end you pirchosed WM a Crack and and you
ahs
balance for each regret and add arty chew trsesct
ad albarto? /Mce doge masked on to prevW®
yYe S. adnct
la bdCahca er fret se
sN
d
ment p
ng err
y u
y s
not
atl New Beiace In iV joacka t to
?1 Prim to fin end of the titytey period.
s)
good fain to mreu the prober. Wn to
have vied n
rrerdwht, you may have le dOh[ not b tprep the rmtrefig
Y
r aersoac you have ads
r d
to
ey
g
.
peWas or oadis ported s at to day that am soceed
pal
d
f 8. N You LLw Your Aomat. You
err
t b
ceff amou
uo on
o
oiy •Meh fie padsa cis wns moo ton
ace
m firs wgnat. lint Ova u the eNarrta
e
y
for each segnet of yar somut However, R you s{d to ydr resor
y
g
tlepemsrR. rot, rmat dams your awe m.Nal ad
d wi
f
h
d
d 060.00 ad to pudnw yse made n yea Imo amen or
Wain 100 arts of Yourmaing a1dn? 0f Wa ooh or
New Bdarce seder an yotu previous aaaret In Ike (a
It yotr row bloke wee zoo a a cared[ amwt rt) rew
u , or s
sactions each
oet to
a
acial
tr o
preau
o
ze
account asses docks, cart:
g,
and crew account. It you do nol cancel
we wit cahsder
possit tied anshpaWreWre operate to momMt, or R vve mated You to
aJwtlaane[ for to property or vtmy of Paribas
udhss
ur[ or lootllan of
d
dM
d a
)
p
W
p
p
an
p?d m segnats are not added to to defy balarm. We
cal Am era ewepe decoy balance by akfg all 1M defy
to hurter of
fd
am b
h
d O
th
b
l ,
receipt d a Charge Your aalnsatm to reaper yar
accoua. Adctooky, yaw acmtrt wi rot bar dosed
of amounts you omo u fdLKIV any
a
wall
ou p
.
aB cowe
repar
i
mo
Place Wanmmher b sigh 0 cokegxmierhm•
r an
v
rg
y
ances topot
e
a
the days in to aamrc dine oyde. To cdo leke Vote WWI y
y
p
tranaCfiare you how I al flnalgwI PM
l
s t does not ap fy b Conner nawalr cad acowKs
4Wanoe Chow capmy Wkr awaCe defy irises by to
by 1M Hobo of days n to hint
defy as and
' eas, ca
h
due tars, aw~ tom, mixored Panama
your
advance few and any odor es areesed two t Ws not atoply b Aushess naroady cad acmuwa
y bW, "" may be a
Warhdrg on a A dell
pre =_=.
bawa
af{/t Weddasrtse n leis calw red ad tM enard d
?
m
?
emarc You are raspoWede for lose mrmmm Weather
toy on yar aca ut at Inourred the imaeyaou? rawa to m to
b
they
g
t
? ahppais fderrWretlan pdway pBtatim: Wrea err
at WV WM In orm r
d
hd
d
eppeers from of lit sratdnart
b. M
lne
mde Za N may malt In
Wks B4aat
ilkee t
ie
amut This Cap
Capltal Ore is a te
seiy ne?aed ==a*
Cttpofatoh. All dote
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nod b •Bdare Pete To,' rots mJllply to dnkgs on Ya+ emaert elan you Moe 0
1
1.(iLBAK
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nosier leink PW-0 VW Bet m u Will be caeded b yaw aooout s Of to betas day we receive 14 PBnidd (1) you send to bolts, pomlm of rim statement and yaw Check
in 1M errldaad ra itte nc a email a and (21 yar pewnan Is nealvd n au pooesng aster by 3 pm. ET (12 noon Pre. Peaty allow at Ica fie (W burros dffW for Pascal defvery.
PaWhesa eoalyed by u a any deer IoCaUm or In "ary calm team m°y rot 6baee aedkd as of tea day we ,calve 1Mm. Our huknes days am Motley tlrayh Sensdav: aduitp hafdays.
Plww do rot es cNS, etc Wah paparkg s. When you sad ore a deck(s), you snffia4e u to male a o mime elecoaic trends debit icon yaw bank
amduxnr trech Ttie? ?e ?bpepCdr ?B or other to big,:^ even it sari W sswoo d. R we Cannot Prates en transfer, you a dvdm
us 10 ? ?aWnrt papa
• Now with
FREE Accelerator
• for the Nrst 12 monHrd-a OW valrre
.\ Fc.
` '?
VE T?,YUK
' Wa %Maw.
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Capifalow
Aa=uA Summary
Previora Balance $1,384.91
Payments, Credits and Adjustments $.00
Transactions $29.00
Finame Charges $23.19
New Balance $1,437.10
Minimum Amount Due $1,437.10
Payment Due Date April 04, 2005
Taal Credit Line $1,000
Total Available Credit $.00
Credit Line for Cash $1,000
Available Credit for Cash $.00
Atyoursmvice
To col O,amma Rdacomn m to report aIm or *okn mrd:
1-800-903-3637
For five online account service and sped antomer offers, log on to
-00-
Send t to Sad ingr®ra vz
Amr- RemAtmwc Pmmdng
Capm onesmim Cap'mdOneSwA=
P.O. Bar 85147. P.O. Bar 85015
Rklm" , VA 23276 Rkhmor4 VA 23285-5015
Imlwrtant Account hibrination
Please review the impatant information arlosed with your
statement and keep a copy for ym records
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PLATINUM MAS MCARD ACCOUNT
5178-0522-4782-7799
FEB 05 - MAR 04, 2005
Page 1 of 1
Payments, Credits andAdjusra?
Tmnsactions
1 04 MAR PAST DUE FEE $29.00
We will be changing how we allocate payments and credits to yvur acca nt no sooner than your
June 2005 billing period. As stated in yatr Customer Agreement' this may include allocation to
balances with lower animal Parentage rates (A.P.Rs) before balanoes with higher AS Rs. Rase
rall the number on the back of your credit card if you have questions abut the specific charges
m your aavunt
You were assessed a past due fee of $29.00 on 03/04/2005 beraume your minimum payment was not
remived by the due dam of 03/04/2005. To avoid"fee in the future, we recommend that you
allow at last 7 Wines days for your payment to reach Capital One.
Finance Charges
aa?ran
^ r?1rdm
^ PURCHASES 111,30 5
m CASH &00
ANNUAL PERCENTAGE RA'Z'E applied this perk
PLEASE RETURN PORTION BELOW WITH PAYMENT •
Plaaenr nnme.rt&fir tvVmtant irt7frmatm
Pardr a-Zj-g MW
.0055932%P 21? oo
too
d 21.65%
:aPIMMOW 0000000 0 517805224782779 04 1437100100001437107
New BAanoe $1.437.10
Minimum Amount Due $1,437.10
Payment Due Dam April 04, 2005
Taal ends f
Aooont Number. 5178-0522-4782-7799
PA-p-tmailsgaddas? r-?rd, ?vr,,. earwu?ki,
sued Aptr
City seta ZIP
flame phase Alb., ft A-
# 9006403380043746# MAIL ID NUMBER
SVETLANA M PATLATYUK
Capital One Bank 5071 BASS LAKE DR
P.O. Box 85147 APT 103
Richmond, VA 23276 HARRISBURG PA 17111-5881
Maw vraeyotoaxount numberon ymodjeck or moneyWder made fayatbleto Qpad One BxAand mail in &endawdenrrlj??-
r
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•9 you wtrh to t- a dltaraY creell card, to ask quaa9 or to recta, cal 1600-027-9371. Yes Tick Ycu W dtherry d%s d your Selections ties. Ater yaw tea period, yea Selections hM
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1. How To Amid A Rowse C1rya.
t a. trace Prod You wA have a mrinum gram period of
26 dM Wihaa 9rance charge on rxwv pimhsees, new pwlaasc rate. To clout we average defy bdrre for the
tiirng ad covered by /He statement, we take fire
balarno d each segue t eadh day, add any raw
be* you avower If It has already been dual For eo®nple,
if you aalntWed a sedan fro nn a madam and we
receive ft rarrac0m fran ft merctwo sires yea
afff? balance Vandars, rata $ladd gadaerm and raw odnerr
daps if you prey yrouf seal 'Few BNenu', F Y
lo" Are m ea h segrlert, and euituct arty pe?nerxa
a credits. of the code N appears m Ire iron is Yie aooout has been dosed, your access wi be nocpeo ed,
to amen of to dirge m* be added to yar aooant,
amrdaho vdlh tla Fpataa Nafca for palnralls below, statement rand m'Selarre Rah App?d To; ere ffio and yw A be responsible for payrnea. if tram is a
and In arms for b to be aedimd by yar row s annex almad any upald firace dame t Wdad F tla taiece menberarip fee fa your acwux, one fee vs caKnre
dosing date. Them IS no grace Period on cash advances
d
t
I
i of each Searroant .) 71is glvea u its defy helarhoe of each
al is defy beams for each
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swwa birnoe lea bmn Paped F h0 as defined above
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wo
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first mender day of fen afrat him pebd, Additionally,
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?Mw "e
CAPITAL ONE BANK,
Plaintiff
V.
SVETLANA M. PATLATYUK,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
: CIVIL ACTION
NO. 08-372 CIVIL TERM
DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT
AND NOW comes Defendant, by and through her undersigned attorneys, and files these
preliminary objections to Plaintiff's Amended Complaint in the above-referenced action.
1. DEMURRER PURSUANT TO PA.R.CIV.P. 1028(a)(4)
1. Plaintiff apparently seeks to establish a cause of action for breach of a credit card
agreement which allegedly Defendant entered into with Plaintiff. (Amended Complaint¶3-4.) In
such an action, it is necessary, at the very least, to allege the terms and conditions of the
agreement between the parties; when that agreement was entered into; Plaintiff's performance
thereunder or satisfaction of all conditions precedent; Defendant's failure to satisfy one or more
of the terms and conditions amounting to a breach; and the damages incurred by Plaintiff as a
result of the alleged breach or breaches.
2. In Plaintiff's Amended Complaint, none of the foregoing facts are pleaded. Instead,
there is only a conclusory allegation that an "amount due" is owed and there is attached to the
Amended Complaint only a few alleged statements assessing "Past Due Fees" on Defendant.
WHEREFORE, Defendant respectfully requests that Plaintiff's Amended Complaint be
dismissed for failure to state a claim upon which relief can be granted.
II. MOTION TO STRIKE FOR FAILURE TO CONFORM TO RULE OF COURT
PURSUANT TO PA.R.CIV.P. 1028(a)(2)
3. Pa.R.Civ.P. 1019(h) provides that if a claim is "based upon an agreement, the pleading
shall state specifically if the agreement is oral or written."
4. In contravention of Rule 1019(h), Plaintiff's Amended Complaint nowhere states
specifically whether the alleged cardholder agreement between itself and Defendant is in writing.
5. Moreover, Pa.R.Civ.P. 1019(i) provides that if a claim is based upon a writing, "the
pleader shall attach a copy of the writing, or the material part thereof...."
6. If the alleged cardholder agreement between Plaintiff and Defendant in this case is in
writing, then Plaintiff has also violated Rule 1019(i), by failing to attach that writing or the
material part thereof.
WHEREFORE, Defendant respectfully requests that Plaintiff's Amended Complaint be
stricken for failure to conform to Rules 1019(h) and 1019(i) of the Rules of Civil Procedure.
III. MOTION FOR A MORE SPECIFIC PLEADING PURSUANT TO PA.R.CIV.P.
1028(a)(3)
7. This Count of Defendant's preliminary objections is filed in the alternative to the
demurrer and motion to strike (Counts I and II).
8. It is not possible for Defendant to respond to Plaintiff's Amended Complaint, as the
Amended Complaint does not set forth the terms of the alleged agreement between itself and
Defendant (P.O.'s Count I, supra); does not set forth whether that alleged agreement is oral or in
writing (P.O.'s Count II, supra); does not attach a copy of the writing (id); and does not
specifically aver time, place and damages resulting from the alleged non-payment of a debt in
violation of Pa.R.Civ.P. 1019(f). See Marine Bank v. Orlando, 25 D&C3d 264, 268 (Erie Co.
2
1982)(A credit card company plaintiff must allege in its complaint "the dates on which
individual transactions were made, the amounts therefore and the items purchased [so as to
permit the defendant] to be able to answer intelligently and determine what items he can admit
and what he must contest.")
WHEREFORE, Defendant respectfully requests that Plaintiff be required to file a more
specific pleading, wherein the Plaintiff must set forth: the material terms of the alleged
agreement between itself and Defendant; whether the agreement is oral or in writing; if in
writing, a copy of the agreement must be attached; and the kind and amount of the goods and
services supposedly provided, the dates of sale and delivery of each of said goods and services,
the prices therefor, and the Defendant's alleged failures to pay said prices and how such failures
breached the alleged agreement between itself and Defendant.
Dated: ,34 Vo
Of Counsel
Beckley & Madden
212 North Third Street
P.O. Box 11998
Harrisburg, PA 17108
(717) 233-7691
Respectfully submitted,
J . Milakovic
Thomas S. Beckley
Attorneys for Defendant
3
CERTIFICATE OF SERVICE
It is hereby certified that a copy of the foregoing document was this day served upon the
following persons in the manner below indicated.
FIRST CLASS MAIL
Kimberly F. Scian, Esquire
Apothaker & Associates, P.C.
2417 Welsh Road, Suite 21 # 520
Philadelphia, PA 19114
Dated: 3/3 r/D%
X
G. Milakovic
3'"' ?'.?
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Our File No.: 135579
APOTHAKER & ASSOCIATES, P.C.
BY: David J. Apothaker, Esquire
Attorney I.D.# 38423
520 Fellowship Road C306
Mount Laurel, NJ 08054
(800) 672-0215
Attorney for Plaintiff
CAPITAL ONE BANK
Plaintiff,
VS.
SVETLANA M PATLATYUK
Defendant.
'F IL-ED -OFF I C_-
ROTHONOTA"
2011 AG - I PM 1
13UMBERLAND COUNTY
PENNSYLVANIA
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 08-372
PRAECIPE TO DISMISS WITHOUT PREJUDICE
TO THE, PROTHONOTARY:
Kindly dismiss this action without prejudice.
APOTHAKER & ASSOCIATES, P.C.
Attorn? ?r Plaintiff
A Law Firm E aRdd in Debt Collectioi
By:
Dated: 7/25/2011
David J. `<pothaker, Esquire