HomeMy WebLinkAbout08-5216NAN11232
THIS IS AN ARBITRATION MATTER. ASSESSMENT OF
DAMAGES HEARING REQUIRED.
Goldman & Warshaw, P.C.
BY: JEFFREY M. PARRELLA, ESQUIRE
Identification No.: 201946
PO Box 806
West Caldwell, NJ 07007
973-433-2153
CAPITAL ONE BANK (USA), N.A.,
successor in interest to
CAPITAL ONE BANK
4851 Cox Road
Glen Allen VA 23060
vs.
JOSEPH W CRAMER
1909 RITNER HWY
CARLISLE PA 17013-9310
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO . Q$ - ~ ~ (o CiVi ( (~-~1
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 JUDGEMENT 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
32 S BEDFORD STREET
CARLISLE, PA 17013
717-249-3166
COMPLAINT IN CIVIL-ACTION
1. At all times relevant hereto, the defendant(s) was the
holder of a credit card, which at the request of the defendant(s)
was issued to the defendant(s) by the plaintiff under the terms of
which the plaintiff agreed to extend to defendant(s)the use of
plaintiff's credit facilities.
2. Defendant(s) accepted and used the aforesaid credit card
so issued and by so doing agreed to perform the terms and
conditions prescribed by the plaintiff for the use of said credit
card.
3 . The defendant (s) received and accepted goods and merchand-
ise and/or accepted services or cash advances through the use of
the credit card issued by the Plaintiff. A true and correct copy
of the Statement of Account is attached hereto as Exhibit "A".
4 . All the credits to which the defendant (s) is entitled have
been applied and there remains a balance due in the amount of
$10,372.30.
5. Plaintiff has -made demand upon the defendant(s)for
payment of the balance due of $10,372.30 but the defendant(s)has
failed and refused and still refuses to pay the same or any part
thereof.
6. Defendant's last payment on account was made on August
11, 2006.
WHEREFORE, plaintiff claims of the defendant(s) the sum of
$10,372.30 plus applicable costs, interest and attorney's fees.
Goldman & Warshaw, P.C.
BY:
Jeffrey M. P .re la, Esquire
Attorney fo 1 intiff
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR
THAT PURPOSE THIS COMMUNICATION IS FROM A DEBT COLLECTOR
POlA.NAN
VERIFICATION
The undersigned, Jeffrey M. Parrella, Esquire, hereby states that
he is the attorney for Plaintiff in this action and verifies that
the statements made in the foregoing pleading are true and correct
to the best of his knowledge, information and belief. Counsel has
signed this verification at the request of Plaintiff as a matter of
time and convenience. Plaintiff has represented to counsel that
there is a debt due and owing from Defendant to Plaintiff in the
amount as set forth within the foregoing pleading. Plaintiff has
provided counsel with all relevant information in order to allow
counsel to sign this verification. Plaintiff agrees to provide a
verification signed by Plaintiff upon request by Defendant.
The undersigned understands that the statements herein are made
subject to the penalties of 19 Pa.C.S.A Section 4904 relating to
unsworn falsification to authorities.
By:
Jeffrey M. P r 1 a, Esquire
Attorney f a'ntiff
EXHIBIT "A"
NAN11232
CAPITAL ONE BANK (USA), N.A.
JOSEPH W CRAMER
5291492180467009
AFFIDAVIT
-: racy i'ayw,'
I, ,being duly served sworn according to law, depose and say that:
1. I am the agent for the Plaintiff herein and I am familiar with the files relating to this account;
lid 2. I have personal Imowledge of the facts and circumstances in connection with this case;
3. Plaintiff s files are maintained in the usual and ordinary course of business;
~ 4. This action is based on a claim for breach of contract and that damages are sought as a direct
result of said breach;
5. After allowing for all offsets and credits, a balance remains on the subject account having
account number 5291492180467009 in the amount of $8,171.52; and
6. If called upon, affiant can testify at trial as to the facts pertaining to this matter.
The above facts are true and correct to the best of my lrnowledge, information and belief.
r
(Na e o an
Sworn to and Subscribed
before me fR~s R ~da$ 20~~
of 0
tart' Public
JAMEUI S1N(iLEp11aY
NOTI1FiY PUBLIC
tiE0P1GIA, DEKALB COUNTY
MY COMMISSION IXPIREB Nt1114, 2011
• CUSTOM
Wekwme b Capital One! We are plxsed b haw! your aedq cerd acmrrnt Thb
Cuslonter Agreement txnffihs ktbrmation about your account Please read q and keep q
for your remrda. Yore omkad wkh us br the card and amoud ('Fe Agreemertl7
mrokffi d tlds Cusbmer Agreement, bgetler wiF any dtertges b d9a Cusbmer
Agreement Net tre make as provided below. the Seauky Account (d appticebk), Fe
Seaaky Aoooatt Aeaigrtnent Agreenerd (x appAcada), Caprkl Ore Pm~acy Noioe, any
acceunt d'odaeures pnwided end dekvered b you pd« b a at the time your aeorxmt
opened, itdrrdiq dbcbsues prusuant b nqukt.nenffi d Tndh h tertdstg Ace
(herebalffir'Ti.A Aocerrnt Dkdceures , x weA m arty subsequent rbtices d derrges
b tttex doamenffi, and arty and al b Fat irtdrxle you sgneWre (irtdudig
any rderboric or d'pitel siprrabre) an any eDPAcetiat, sales slip a oNer evdence d
indebbdrresa an yo« accent In thk Agreement Fe words 'you,. youf and yeas.
rekr b eedr person who signed rie eppAcetiort for Ore accerrnt (each. a jdM
acceuntlbkley') and b arryore else wlb b auForized b use Fe aocermt h any way
(each, an 'Arrxtorized ~. Except as spedAcexy sbffid herein, coat d you b
hdFAdtepy and jointly ottAgated ruxkr tlds Agreement The vrords Ise: 'us• and 'our.
mean Capital One Sank end ks srrmessors, assgns, agertffi artdbr ardttorired
reprexnktives. x the appication br tle account slated that the aororwrt wit be a
'Seaaky Aomrutt' rib means the buds you have pledged b us b seaxe your account
Thb Agreement end rie Serauky Aomkert Assigrrrent Agnxrrertt (x appicable) ~ not
appy b arry oxer Capital One Bank atcamt Nat you may have, ekher now a m the
005113
ER AGREEMENT
cradle Amp, even x Nox lrertsadions resole in an aver timi fee, and those
iaroaclbns and pea wile be subject b this Agreertrertt and the Sewity Account
Kssigmierd Agreement 0t apppcabk). Any transactions honored b excess d yar
aedit fmx wli nfx resuh h an hcrease d your aedq Amp unless we expressy
ndiY Ya otherwise.
AddBbrol Belteftls and Services. from time b time, we may offer you benefds
and services wkh your aamrxd. Those bere8ffi and services may be provided Iry
us a thid pedks Urtkss ezpressty made a part d Fb Agreement, and except as
provided h the Arbiba6on Provbbn below, any such bare8b and services are not
a pert d this Agreement and are subject ony b the Oemts and mrdkioro oulMed
h the berteAffi « services txodtrrre and ttth« olfipal doamrenb provided b you
with rasped b the berefiffi end services. We may adjust, add. «dekk benefit or
servbaa at airy tiros b accedence rdF fate brochures a doartenta you receive.
b addWat, arty such benefila a servkes dbred b you h the most cerrertt versbn
d the'Gude b Benefts' shag repffice and supersede the benefks and services
riot had been olkred b you h aN previous versions d the 'Guide b Berudiffi;
wrxtout firrxrer notice. Except as provided by agpticabk kw, we are nil fable fa
benefits a services provided by third parties or the actions a anissioro d those
riid parties.
fidure, except as provided h Fe Arbipatlon Provbion blow. Untess you have entered
inb a Sacvrky Account Assigmerd Agreement wkh us,the account b kuoewred. Except
es provided h the Seuuily Aoceunt Assgrarent Agraentent (x appicabk), the account b
not xeraed by any other property. regardixs d rie knra of any atlter aorMad b which
you acct ova are sttbjcct We ran deky edorcnp arty of our fight «tder ihb Agreement
wlriad bsktg tlem The card k and ramairo our property. end you wiM surrertdar i b us
at arty Mrs upon nsgresL
Aaignnsard. we may barokr yo« arrant xe SeaaxYr Aomutt (d appfcede), the
Semrlty ArxouM Assyrtrcent Agreement (M appicabb) ardlor our rghffi under Nis
S~ecurkJ~AObmrentappicebk) andgthe SearkyoAmwm 4^"bnt fd
appAcebis) wkh rasped b rie agrearenffi and hffiresffi bamkned. The assignee may
err Trey not be an afliaoe d Caplkl One Bank You must pay the asstgrux and otterwke
pedonn al d your abigaticns ceder Fox agremvstts. You may not transfer your
arrant «your fight under this Agrearrertt xe Seaugy Acmrmt (d appicebk) a the
Srxxtrky Aaaart Assignment Agreement (d appicabb) b any person a entity wiNad
our expren prbr wrxffin ceneant Subject b the precedag aerdence, thk Agreement wi
be bidb8 and inure b the benefd d your and our respecive atrmessors, assgro and
represorrffitlves.
Using Your Aeeaud. You can make purdmsro end otdair caMt advances (x arch
advenaes are an option tar Your account) by sing Your ceN, aomunt number and any
arrant access dtecks (ilduditg Prntex Checks, Comreniarce Chedrs, Spada)
Transfix Cledo and odta similar atecka) that we may send b you. AdditbrtaAy, you
may request a Sop payment On accokatt excess docks, but we reserve the I~qM b
charge You a lee to such services. When we provide you wqh aooorxrt amass dted~R
we wi lei you wltethx tlry vri he beakd as purchesea, cash advances a spedal
kanskra. lhrlroa we ffiA you oNawbe, Conveniartce Ctedo vAk okays be treated as
rash advxross. we may estebxstt dlbrxtt aegrnents for Your acaamt such as a
prxdeae segment a cash sdvenoa segment and a speaal transkrs segment. Eadt
segment may be srbjed b temp end cerditions riot are dillerent than riox that are
appfcabk b afar segment.
0« fabily, x arty, to arty wratgfid dbtbrbr d en account amass dock k 6rd0ed b
yar octal darceges and slop rrd itdrds any kxtrtxquerdial damages, and h rro event
w7 k exceed Ne emoua d rie dteck
You agree oat b use the ceN a aoceatt b wiF arty Inbmel a ikgal
gamdkg traroectioro, but arty Inbrtld a iAegal gembGg traroactioro in which you
ergago wiri xre cart! a acceud runrertltebss wi be subject b Fb Agreement and the
Seauky Arrant AssiprxnantAgraement (x eppMabk).
Yau card old acmtxd ttey my be used tr vaAd and kwfd purposes. x you use, a
erMatre saneate six b use, the ant a account to arty unlaadul a Ynpertnixble
puryox, you wN be naparsble for scab rrx and may be required b reanburx us and
MasbrCard hterretior>el inoorporetad •MeslerCerd' or Yoe USA, Inc. 'Yoe; as
appfceble, a xteir sttmessars to ale xnaaro a expxoea that we a xeY pay as a
result d audt untawfid a impemlkabb use. h any event, arty rsrkwlkd or impemdxrile
taroacfioro b vdtldr you wNt tfe card a armunt neverptlless wit fx subject b
Fb Agnsemerd acct xe SearrNy Accastt Assignment Agreemmx (r appfcede). Yoa
agree rialwe are not rreparslble M artyarte refines b bona ykur card a akxxxnL
x you had a pd« aedk card a other amorult wixt us, a such an amourd a babrrce d
such an account was itarobrred b ra «ae d o« elRkffis, and you agreed b rdnslaffi
rie balance d tlta poor aocawd in the tam d your new amount Ne new aaorutt w~
aoaue 8rrortce dergsa from Fe dab hurl xe new account b opened.
Auataized users ors not MterldaHy reapaolbb br the arxant An auForaed usx may
ux a cradle cond. pn nsgrast cerfagt amoad bfamatiat and can request b be removed
tan xe account Subject b a« doaetiat, en wtlbrtrad user may rot he able b iniM>De
certain actions en the account You agree b provide ua vrith irtbnretbn iden8ykg ary
persore you autltorme b use your ecca+d, indudktg their nxrte, address, dale of tint
and other idertaykkg hformatiat we may request
Exchange Rap. If you make a trart58ctlon h turreay crier Fan U.S. doAars, VISA
krbrretiorral a MasterCard Inlerretional wit aonvxt xe Berge « aedt tnb a U.S.
dour antorutt h aomrdartce xlxt that operaMg regulaions a oonversim procedaes in
exert at the Mrs the kareaction 's processed. VISA Inbmatiaeys regubxons and
procedures provide Fat eflecive Apra 2, 2005, tt'.e exchange rate between rie
transadiort arrenq sod the birrq eaurertcy used for processitg inlxttedorrel
transactions b egltx (1) a rile xleclad by VISA from the range d eaxrpkbk rates b
wlbkxk carency medreb kx the eppfca)We cattral pracrosig date, which cab may
x~eappl a~ble~rsnb~al p~ioassl~rg dak~ fdasetagrCaNl them tlonals gulaforad
a govermnertt~m~ n exact on the day d(theaaMocesafng
dale.
Cash Equivalent Transactlons. If cash advances are an option for your account you
can use ya+ account b purchase certain parrs that we regard as 'cash equivalent
trareaktiore' AA cash equhrekxtt transactioro wR bo treated as cash advances and wAl
be billed b rie cash advance xgrnent d your akxxamL Cash equivafeM 6ansactiona
include, wiAtoul Frdkxon, rie prudex of wire trarofev matey orders, beffi. btl«y
tirkeffi, casito gaming chips and oter simiar products a services. Nothkg h thb
paragraph wit be itbrprebd b vaxdak any transaction Nat b unlawful a impemtissible.
Your Credk LknH. Your ingial aedk Mnq wg be dbdosed wtun your aaokurt b opened
(« actlvaied). Eirier bmalty, a at any kter 8me, we may estebfsh dxferent acdq timik
Net appy b dxfxerd segmarts d you amount (sudt as purchases, cash advances and
spedal Uanalefs). Your wrrent credt loops wiA be iderrtifed h your perbdk atebrrerds.
You agree rwl b aiow the Dalartce d you account ((irtdudrg all transectioro, finance
ctarges and other lees a chages), a the babnce d Ne appkade segments d you
aomunt b exceed the applicable credk ImAs. If you have be«t given Ne optbn b
ktaeax your rxedt Mnk by along Ards b your Seadty Account (x appfceble), we
reserve the right not b inaersse your aedlt Amq x the add'dional lands are provided wfule
your account b b dekuq. We may Increase a decrease your credk limio at any Moe
w'dhaA prior rbtice b you, may ternporeriy inrxease a decrease your aedq limik at any
tints wi8tout prbr notice b you, may frtdt the aedq trop br cesh advances a may take
away your abH'dy b obtah rash advances. We may bona transactions b excess d your
Making PaymeMa. You prarise b pay us and are fable for atl emoretffi due
tesuxhtg ban Fe adhahed use d yo« card « account, ktckrding arty femrtce
derges end orirx dterges due under the temp d xds Agreement. Payments must
ce made h US. dolarJ. Payment6 made by a dredk, nbney order a other
annaga U S 6rtandald(ktstibfon. We may~albpk payrtrwrb and oN« aedHs artd
proceeds among the various segmerrffi d your amount, and b ktmrges and
princpal due within eedt xBrtenl h arty way we detarmie, kwArdhg baknces
(hdudig now traroartioro) wiri leaver annual percerrlage ratan (APRs) hereie
balances wlh hotter APRs.
Payments you mat b us at the address Ter paymatt staled on your periodb
stabrtent wile be aedibd b your akxxwnt as d the Grsineu day we reoerve it
ar~ld y~011f(r~ III Ne~flrtllxan0@ 811V8bpB Dr~Hkd ~d ~ Y~ PBYnlant 5
received h our processirrg center by the Moe irdicaled m ytwr periodic sffiferrertt
Please ekow al bast five (5) huskms days br postal defvery. Payrterds received
we ~ tltent Our busittes day are Monday ~~Y. exckdb9 ho~Y~
Credit avaibbi'Ay may 6a deleyed it o« sde doaetiort b sows payment h good
funds. x we accept a payment et some oiler place, we may debt' Ore aedNng d
Ne paymerd br up b five (5) days. Thk may arse you b inarr kk psynent tees
and eddPoael 8rence charges, and may newt h your amorxtt bebg declared b
be h default
Any rrtkdmum payment Nat b due tsip be staled b your periodic sbbrttertt You
muri pay at Irurd Ne minkrxurt payment due by the data tsffibd b your parodic
abffirlent b avoid a iota payment fee. Flosever, You may pay rtrDre than the
minimum payment « pay xe balxlce h fuA. In airy rasa, fsertce dtelges wql
mtMtue b be assessed dung b6aag periods that you carry a bekrxxe regardless
dwhaNar a not Yo«abldnett shows a minirxurr peymartt due.
We can aax~t late payment a partld peymmb, a keno nerloed 'payment pt
br a oxer sinter krguege, a payrronffi wih a request b apply the payment h
a parMxrbr roamer, wMhad bsani arty d our rghffi under xda Agreement
iukditg our fight b receive paymxd M bl No peymerd Shy operate ere an
aocad and satisfadfat vvi0laA err prior wd0en approval. AA wrilkrt
oaanunicetiao amcamkg dLapubd amaarls. idudrp ary dealt a fitter
Payment Insiurnent Nat' tceles that the payment eort~hdea'peymxd b br d
the xletatt owed a that b tendered wkh olhx wrrdtiao a fndffitlore «as hrk
saLLsbcxon d e dispded amo«d must be maNed a deSvxed b CaPkai One, P.O.
Box 85010, Rlrhrtnrtd. VA 232855010. You wN not make payrtenffi frtun fkxuls
obtdned lean tle aaroratt «any oria aedk extant with us. H you peymxtt is
made b arty oNx address, we may accept the paymxd wipaut koig any d mr
~~-
When you nerd us check(s) b make peynterd on yar arrant Ya auttbriae us b
make a arteakrta ebc4ordc tarots hem your bank exceed br rie amorurt d the
dtadk as kdicaled by nurerkai dlgks. Thk autltoritetice apples b ax dteck(s)
received by us drakq xta bixrg period even x sad by srxneae aka, who you
spree b your ngxrt and was provided wiri these rloeloaurev in advance. Thk
auxndzation b rot resilckd try the dale rn the dodo and itctrdes resubmbsions.
Nb wiN nil be borxd by any resMctlve kgeM a axdkbn appearig an the lace
or reverse aide d rie dectc H we carrot process the dxtrodc trarofer, You
aWbdze trs b make a dmrge against yo« bank armrnt by processing rie duxk
ser6atlbtk check draft a similar irotrrrttent.
We may adjust your account av approprbte b coned errors, remoed gexm,
rejected defiles and skniar me0ers.
We may, h our ode dbaetiort, ofbr an ezpedged peyrtrent service. You are nil
requhad b use Nb service. When ya aufrodae us b pn>cess a demand drail,
ekcbatie ACH debk a orix ezpedked payment method tar you aomrud, we may
chage you an expedikd payment fee in an arrant dkdosed b you at Ste time d
Ne service. We are not responsIDle br arty dbtbrbr d Fe t by your
depodbry instkution and rrtay valet the lee in Fe event d srrdr bharor.
x you gNe your acmrud number a oFx aowrnt krformation b arbtltar person b
maim a payment br you a b ad err you beheH, you agree that we may discuss
your exceed wih tltd person and process Ne paYrnertt m i k were made by you.
You fiuxer agree rie) you wN be resporeibb br ale canxquenoas d paYvrertt «
rwn-payment M' such ParlY. atfird'ng a+cpedlkd Payment. realm DeYmenl Wte
peymxd and over Mnk leas. We rexrve the fight b refine b accept payment on
your beheH or b pemdl artothx persm b ad on your telex.
Periodic Sbtemerd. F~dr monF Nat you have a aedd a debk lelance d more
rian S7 in your account, we wR send you a pedodic staknent as and when
requkad by appAcebk law. The pedodc statement vvpl show ai trartsaetions tiled
b You account dudng tie bifkg perod. The bilitg period b the tirtre from ate
stabmem dosktg dale rirough and hktudug xe next statement dcsnq dale. The
stelertent cbsig date detemtines the rtrortth d a specific birg period. Fa
example. Your January 6ifntg pedod is the bifng period witlt the statement cbsktg
dale in January.
Finance Charge. You wN ba assessed finance tterges as prevbusty dbcbsed to
you as part of the TILA Atxxxrnt lNsdosrres ores we wUl dkdox b you H reposed
by applicable law.
Temporary Raduclbn in Finance Charge. We reserve the right b rw1 assess
any a ale fsence charges tOr arty given biAng perod wMtorrl weNtrtg xre right to
assess sucA tinartoe drarges let a futrue blMtg period.
Other Fess sod Chsrges. The bAavktg lees vriN be biped b the purttese
segment d Yo« accorutt acct wiN he irxted es a purdtase and appfed against
Your avadabb txedq Molt totes aderwbe specfied, h every bilitg pedod h
which hey apply: () A kte payment lee wtll be assessed x we do not receive your
payment h tkre br k b be aedi[ed, as provided b rile Agreement, by Ne dale
stated in you perbdk stabmxt[ (i) en over limit fee wit be assessed d the
babnce of your account (a arty segment of
005113
Yoa atoanq at arty One durkg the biNg cycle br any reason, 's prrebr ptert the
appkceble Oempa2ry a ppee nerd aedt Amq, (r~ndless of whether you went ova Arts
as a resale d a Uarsarlbn~fnanoe drags a any crier lee «dtarye, even p eppmved
bbyy w); ~ a rehrmed dridt fee wk be assessed fl we do rot hear reY ecmrnt amass
dKCk ~r any reason: (ti') mvYtrg dwryes br dupllcab copies d tremadbn
docurttert4ilm a periodk Sbbnlalb wk De assessed On a per bes6, unless
equaed br biMrtp resokdiorr (v) a rebrned peymerd tee wk be assessed A, fa
arty reason, (a a dutdc, drak a shdsr insWmem 's not haraed a csnaot Ca
processed; a (~) en ebcYark debit 's rebxrred unpaid « cannot be processed. Ya
auGadze w b resWmk rebored paymads h oa dbaetion. At cur option, we may
assess gds tee each Wire you paymard 6 cal honored or paid, even i fl is later honored
a paid fdbatnp nswbrission. Airy check, drag a smmler irrstrument me lx mAeded
elettrordcely M rebored fa hxilfidertt a aooflected funds. We may charge any of
Giese lees a charges, a a~ additiarral tees and drerges, as. provided below. We
reserve the dpM b waive arty d rieae tees vdMad prig rodficetion b you whie
mahlahhg our right b assess prase fees gohg kuwant.
Cash Advance Fee. fl cash advances are permitted for you amount a cash advance
fee fnance drerge wit be p assessed rech time ya odan a rash edvarvx a cash
equivalent transarfon, (il) a b tiw cash advance aegmad a yo« sowed and (r7
appled apaknt your aveiabb aedit irMt The amaaK of the cash advattoe lee ynance
cdhlHarge viii be added b otlKr fnance dargas shown on you paiodk sfalanant f« rie
rtua ~rebdcsdosed~tlhta~t bMrg Period 9 tltai ire anaa
percentage rate ed b you.
ANmberehip Fee. fl eppticeWe, a rnerribershb tee wk be knposed in you fast fxTirg
pared adass sperloaly sbbd cpterwtse. fl dte membarsltip lee is assessed amuaiy,
~t w11 be assessed in the bkatp period In whits eadr arv~+eraary d the of you
accoart cocas. iF the rrembershp fee s assessed montfdp, it wi be as~ h each
perbd. rna ire wig be tilled b iw punMeae segment of your emaM ad wd be
hretad as a purdrese end eppped apelcet youavaiabb aodi flrrdt. The menrberarip fee
wi not be refrxded, h whop a h pert, evre i you a we cartel fte aamud.
Trarlshr Fee. A fee wit be assessed for each transfer d lands Iran you amount b your
Scarily Amount Mat you request The fee wM he bAbd b pre cash advance segment d
«~edll irat M and wk be trreBad es a croh advance end applied against yo« avalade
Foreign Traneactlon Chaye. F« aedr iransactlort made N a country Who Man fte
U.S., « U.S. Temflories, we wi assess you a finance as previously disclosed b
you as pert d the T8A Ao7otatl Dfedonare a as we wd'isdaae b You fl requtrM by
applcebie law. The fee wiA be based on the U.S. dofler amount W the trasadbn.
Credk Bureau htformatlon. You spree Mat we may edah irdortrepon abed YW hen
aedi rep«Yrlp egeades a oMers at any time and use k fa fte prsposes d marflortrg
your tredk perbnrrence, menaphg Your arrant acct mrrsidering ya f« new oflere and
Pro9re~•
Sec~IMaaet The bins and mMitloro cenbined wilth frLs parapveph aptly any fl
the br Gre arrant stated that pie arrant wk !» a scarred aamud. You
provided w sttlr tartan leads, which have been deposked h the Seauiq AemarL To
secwe peY~meM of rie lsaiartce d pre eomrad end al apr« amanb owhp ceder rie
lams W tds Agreananl end Me Beasley AawM AsspmbM Agreement, yoSu~hadvtey
Amoall aABI kmMa, Basely Atoourd, eA proaedahaf Gate ~terd a>+
W pnsoeeds This seoury hlerdt Yxirdes, willed flrrrflalorr. the hinds
placed ido the Seamy Aomrad, any eddMorrd fads added b the Seedy
Aecoratt by cry person and any hlaeet reared b a amnred an rie Seedy Amount.
The lams W fte saeriy hteresl are sd bM N the Secudly Accent Assiprvrwrd
Agreanent you ®rcaded. fl (i) You deleufl a tai b adds M any W the lams W Mb
reenterrt a rie Beasley Amount AesipanartApreatrart ( you dine you amwm a
('s are arroel your account to arty ream, ww may Men « and wilaut pda
notice b ya, exerrbe oa aecuAy trtarest by dedrrdng ham you SearAy Amaad ire
balance due an yea emarR end al otlrer arroutds arch pre bars ofrq's
ro make sudr~dedrrdat ~kmr ywr SearlyAcoant perlodCaly az~wa debmrib bbe
appraprbN. WMdn abry days aka the deb your accent is dosed. we wN send al
remehing halo h ire Sealy Acmud b the paean legaly eMiNed b receive pram
Future OINrs. The tams W cry frrlrre after rekttrg b the eocoud wi be disclosed b
yyoauu et Gte rire the after is made. fl you ecced an oker, Me lama omit become ekettlve
knrrtediably unless opxsrrvise spedfled h tlw after.
Dahuk We may. h au sole dlsaetlon, declare a delaul uder rin Agreement fl: (a)we
do riot receive ire bl amount W miaman paymad on a before pe dale i is due,
Ibl Ya exceed any aedit krdt a (~ an ism wed b rreka payment on ywr arrant b
nW lonored a earvot be processed, a an alertrark debfl b make peyrtrertl on your
arrant is rebated unpad a rerutW be processed. To pre extent pemdtled by epplceble
vblab airy of the other reenact aaK~y A~aaad Asergnm~enl
lpreerralt (l eppTx~le), (Z) we have decbred you b be~h Befall ceder pre lams d
any tatter agreerrteM wits w a arty W oa slMala, a ) ova delermine thM you made
arty false a rtdsleadhp stabrtarb an your appke0m ion. a regadhg pre we of. the
amanl a ofawha atbrripbd b defraud w, (1 benkruobi a ante isoA~anoj
procecdigs ere tsgWed bbyy You or epaist Yom « j5) You d a are declared lepaly
nmmpelent a ktcepeCimed. Al airy Wire IolowYtg cry datauk ads gds Agree YW
after we pNe you any retice «ripht b era fro alt i rewired by appicable
wi be subject b paying irlerest, inarca drarrppeas acct other fees pursuant b pre lens d
M's Apreenwnl hdudeg arty appWade detadl rate, even ells my ~dgmerd is
obtained. Adcllmay, we may, et au sole aptlce, (z) Mail a nil slow ya iomalre any
new prachases a wsh trarsac6ons on your dd((s), (y) harese yar rrrkt4rrum
ppaayyment wits such notice a rney be required byplta6le law a (z) subject b pre
fKrdfations W appflcede law, dose you amorrrl(s) and demand tanedete payment w
pre entire aubtandig balance glue aA Who amounts owig order pre lams W Ms
o Me exteM~permlbd by eppkade~mw, y"~arta~pree~b play w el a wr acNal toad
msis, cdleclbn expasre and akaney's fees (whefra paid b an akanep who Is era d
our employees err an atbmey wlo 's nil are W as ertrpbyees) ataated by w h pre
ootlectiort o1 arty ennad yea owe w under Gds Agreemed. Ya ebo spree b pay w al
of our actual costs riot we roar h yar cads, hdudit~ any toes we may
herby having your errant plarxd m a r~ Ast. NoMinp M fcs parapreph shat lx
eonsbued b waive a impede our right b requke addtrapon h acoadance wits rie
Arbitration Provision below.
Atceunl Cbaure and Susparubn of Credk Pdvikpas. (1) We may, d any irne, wits
or witlrout awe, wlh a winter advance notke, acct regardless W rie existence a
nor-nebtence at a delauk ante gds /greanarb avast pK emwM andror temporarily
« permanently suspend you aedfl es uder gds Agreement k we tartest the
amaart. Ya agree b knmediatey destrq et caNs and unwed atzant amass checks.
(2 Your ObApadon b make ~ acct yea otlter oblipetias cedar Mb AgreerreM
vRq mndnue n hrfl farce and eMect aka rie arrant is canceled a yea aedd portages
are temporreriy a peranently swperdat. Canceflatton of pia arrant endlor terrr<wrary
or pamraneM swpaiabn of yyoour txedA prMbga wit rot aflecl oa secrxity hbrat h
your Sea ' Amoaa (fl applcable) err oa right order Me Securiy Amtxmt Assigorrenl
Agreernenl~Y applkable). Ya an dose yea scant M celAng our Customer Relations
depertrnerd with the tombs kwnd on the back of your txedk card a, i dllerern, the
number stated in your periodk Stabrcertt ant regrrestirg an arrant clasrae. Ya agree
b desboy aA cards and unused arrant access Breda, cancel el preaurior¢ed bung
amagements and cease wtrg you card and arrant IF you do not ancel al
prearrhorfYad dw,p arrargemerrls, you and we w! mrrsida oa rra~ d a
prreuforized dell b your errant b mredWle Yar autlraicetrorr b reaper the
amaad an the terms set bNt h Ihh Agreement and the Seedy Amount
Asslpnment Agielrhent (i applcabb). Year amaad wd nW ba dried urr9 you pay
aft araxn6 ya owe w acts Mb Agreanad and ire Searcy Acmad
Assignment Agrrement {i appicable) kckdirg, wircut fxnilation, any purchase
and rash advance transactions You have autlorimd, ferarrce drerges, late
DeYmera Tees, over 6rtd1 tees, rehrrttad check tees. rebored payment lees,
membership fees, cash advance tees, traveler ~~ drargm and arty
ogre fees charged b yar amount You ue uibb br tlbse amounts
wheprer they have been trarrod at pre time you request a ebsae of the account
a May are horned srrbaequaM b your requGSt b cbse tlw accerrnt Th's may
react h charges app~drg on your ecmtrrt aka you have requesbd rie amoart
b be closed and. k the aomurd has already bean deed, lu amanl wi be
reopened on the terms set foAh h tltis Agreemard end Gte Seariy Arrant
Assignment Agreement (tl appAcebb). f« example, p you autlraize a purdrase
ham a merchant ell wss receive Me chage from tlw nrerfiad albr yar aeoount
has been closed, you accaxd omit be reopened, the amoral W Me chage wi be
added b your account and ya wi be rasporreble br payment accts the bans W
gds Apreemerrl end the Searity Amaad ~mrerd Aprrenwrd (i epplcable).
The rrertrDershp fee fa your amount wN b be dtarg¢d, b Me extent
P~~ by appicabb law, unR the enlie aomart balance Itas been pea h N4
as desobed above. fl the aomwrl 's raoperred, a new membership tee wi be
chaged b the accent as slated above.
k you, edkg as rie primary ardtolder, want b tamreb a jdM aammlaldefs
a en aupori~d user's access b rie amount You must al oa Cwbrrer
Relationo depeMreM and request that tarrdnepon. Imrrrediaby rierealer, You
agree b destroy prat person's cad(s) end destroy anlr unused account access
d>edre h that person's possession 7lrere may be a delay h the ekectlve dale of
the tsmdretbrt of Met parson's amass b the amount. The account wrl be
draped. and you and any pint acmudioMers wk be rreprmabb, to airy dtarga
Mnneth Me use of Me card «Me aomutd by Me )dM eccamMolder «auMadaed
user t oeou pna b pre eflecWe date W ire eandrtapon even fl ire drages do
not appear m Me amaM udA a later ring. fl you ere unabb b destroy Ure joint
acmradlroker's or autlarimd users card(s) a b deaboy fta unused amount
amass drecks in Mel person's possession, and ya cal oa Crakvrrer Relation
departrrenl b dose you arrant, you amount vrk be domed h smordence wits
the preeedkg paapraph. EiMer you andla the joht cartfrolder, i airy, may aptly
fora new aaxxrtt
ChanQee b Tsmrs. We may add b. remove. amad « dtarge arty part «
provson d tide Apreertrant, hdudhg the a«eral peroenta9e rate(s) and any
dd~~rrgg~~ (irokdirg adding new provisbrrs d fte same a a dlifaaa rehao as Me
ex~rg'providms h Gds Apreentertt) nt an tlma fl we do so, we wit give ya
arpce of such amerrdrreM «dtarge fl requtea by Ferleral law a Yagine law (b
the nckrd trot preempAed by Federal law) rudess eie had prerdorsy roiled pw
cwbmer That the aaaum weld De D srdr amardrrent «dtarpe wifwnt
noire. Notlce wit be mated b rie lest address trr6ceted h ou recede 1a
the amorart However, ro notbe wk be coaled fl we prsrbwy had rrotilfed you
Mel your amount world he subject b such anrrednsrtt a dtange wAlotrt wtlce.
Ctwges b pre annual vale(s) wrl aPPy b you exsrig arrant
bNarrce ham Gov ekecpve~ drenga, whaprer a nil 1te account 6aerrce
incNrdea trawaGiors hied b the amoad babre Me dranee dab and wlraher a
not you mrrirue b tee Me aomrud. Chagee b fees and atlwr drarges wk aptly
b you amount from Gre ekactlve data W ire dmnge.
Ooveminnpp Law. NE MAKE THE DECMI011 TO GRANT CREDR, OPEN AN
ACCOUNT AND ISSUE YtYU A CREDIT CARD FROM OIRt OFFICES N
VIRGkNA. Thk Agrearrwrt is b ba wnetrusd h acwrdarra wkh and
ppvarlad try the laws of its United StaOaa of Amarka and by tla hrtema
Gwa of Iha ConmtonereMM of Wphia wkhak gMtng ether to wry dwke of
law rule tlat wouM aura tln upon of the laws of any Jorladkpon other
than tM Yvra of pia Untied !,'tome d Amerce a the idernal teals of the
Coera«maakh of Yapinia to tlr rglds and drrNas of IM ptrtles. This
A/ly~rrarwrt K made N VYphla. R wMbe govamad only try Federal law and
Vfryhda law (to the aaUrrt not pnarrrplad by Federal law). k a wort deekks
rat b reforce a PaA of fhY Aprrernant, Grin Agrwmant wM tlrn rred a k
Me unxdoroabM or Invalid paR were cwt there, but the renrNnbg paAs wlfl
cement in afNd.
Walwra. You waive Gte drIppM b receive notice of airy waver a delay a
prmertbrtatL dement, probsf a debate and airy dgtMnpYou may have b regtre
walla, b Gera dexldd~Pertrdlied by ap~plcebk sfa6AaImka~Gooe dWefears~e
to an additlorra parted of time equal b the applcabb MrikaCors pergd.
Loot or Stolen Cards or Amourrt Access Cheeks. N your card(s) a account
amass dsecls are lost a sblert a l someate elx may be using Mein wrtlord
Your pertnlabn, nosy w at once M aiNtg rie telephone combs an tlxs berA d
your aedt card «, i dMkreN, ire bkplrate antler shown m for hots d you
perbdk stalerrients, a by wdbq u+ at Capkal One, P.O. Brse fl5015, Rktanard,
VA 23285-5015. Ya M not be cable h any amotart for rateutloriud use d your
arils a acmrrd amens dlecls.
You spree b tai w et once fl you charge Your name, address. bkplrare manta
a empbyrtrenL You spree b gin w wripan rrotlce of airy doge h you bNtrg
address at least 10 days Delore Gov dwge. Changesrtry be wMlen h rie space
provided on tlw rendlterlce coupon porpon W you penod'rc statarrent a may be
sent b GIB blaahg erldress: Cepkal One, P.O. Box 85015, Rrdunard, VA 23285-
5015. flyour account s e jontarrant a lmere tlum one person is pemdlbd b
use it You agree Ma eN notices regarderg Mrs errant may be sad coley b Me
address shown on oa biig scads.
Communkatbns. We Trey release trrfolrrretion b otltere regardtg Me stetrrs a
hisbry of you ecmad a sal brth h ire Capital One Privacy Noflce, a copy W
wNdt has bear provided b ya. We may make ipunes of pdnl parpa h
mnrectlort with nrairrlainig ad mtlecrig Your acmrrnt, and yin auparize such
Mid parties b rebase hbmre5on shad you b w. We a our repraeMaliva may
mated ya from funs b thte regarding ire amount a b ask br addibona
Momrebon stout ya a your experence with Capiml One. Ya agree that arrctr
contacts are not unsoldled, ens rot iabd except es expressly requred by
~ppflcader law end may resuA ham corded InlOrtnapon you have pmvded a Mat is
obtained from Drier sources. Fa exarrpk, we may canted ya al your bane a
place d empbyrrart during weekends a tal'days, on Your mob teleplone,
vdcarei a aswedrrg machine, and by emal, fax, recorded rtressege, bxl
message a personal vsit Except a restrrcbd by aapppplead~ law, we may morribr
a record arty raAs we make a receive, suppress ceder dentihcetiar services and
wean aubmated dlaflrg and announdng device.
ARBITRATKIN. PLEASE SEE ENCLOSED 'ARBfTRAT10N PROVISION."
PLEASE NOTE THAT THE TERMS NCLUDED IN THE ARBTfRATION
PROVISK)N ARE PART OF YOUR CUSTOMER AGREEMENT.
0 2005 Capital One Services, Inc Capin One is a federely registered sendce
rrerk AA rights reserved.
D318.17-03D5
ARBITRATION AGREEMENT M-75733
IMPORTANT: THIS ARatTRATiON PROVISION IS A PART OT YOUR CUSTOMER AGREEMENT
You W M ApaA YW eAhr ym a M Riay. x aibsr ppyyyyss sole
d
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IF YW OR WE ELECT IIRBITRA710N OF A CWM, NEITHER resoMeO by ideprdinq mb Arbaelim
suhjed b erhitrdon saxl
YOU NOR WE Wp.L NAPE THE RNiHT TO PUIISUE 7NAT
CWM IN COURT OR DEFORE A JUDGE OR JURY OR TO Rorbion m h hroMesl My A b enbwad. maiskN wlh h
FM and h krms d dde MbarNlan Praixm. TM nFdMla wiA nook
PARTICWATE IN A CIASS ACTION OR ANY O7HER subshaNe hw mn3irhrd wph tle FM ax eppNable atahd~ d
COLIECTNE OR REPRESFIfTNTIYE PIIOCEEDING. EXCEPT AS edarmtenl d arty dos atom wane
nd
IimNxiats. hd h npdy a
MAL AMO MNDIaG OTHER~RIGNfSST1UlTSYOU WWOULO ~
Wm
tleobe~lM ualoiYalor mey arced ay danapa a olha M PamDN
NAVE IF YOU WENT TO COURL (MClU01M6 7HE RIDNT TO ay ~obk atbshriAre hw (ad WA tKJ Aare Ibnw b rerkw h
CONDUCT DISCOYERT OR 10 APPEAL MAY DE LMNTEO OR
7H~ FEES ASSOCUITEO edclwbAlry a mwab~y d tle pxaprapA mo tmwlddm a
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WITH ARBITRATION NAY DE NI6IAER THAN THE F13b .
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NAN11232
Goldman & Warshaw, P.C.
Barry A. Rosen, Esquire
PA Identification No:
GOLDMAN & WARSHAW, P.C.
312 W. Brcad Street
Quakertown, PA 18951
267-373-9730
Counsel for Plaintiff
VtiPVl= ,
42951 `?.? nvP171y
1
CAPITAL ONE BANK (USA), N.A.,
successor in interest to CAPITAL ONE
BANK
vs.
JOSEPH W CRAMER
1909 RITNER. HWY
CARLISLE PA 17013-9310
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO.: 08-5216
PRAECIPE TO REINSTATE COMPLAINT
TO THE PROTHONOTARY:
Kindly reinstate the Plaintiffs' Complaint in Civil Action in the above-captioned matter
for an additional thirty (30) days.
Goldman & Warshaw, P.C.
BY:
BARRY ROSEN, ESQUIRE
Attorney for Plaintiff(s)
0
I0. oo P D A7r6(
at 8146
Of as 7_1z 7
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson FILED--t~~-r'!CE
Sheriff +~ r^~ A ryv
1 .. ~~~ C:{!~!1~~.~ ._
Jody S Smith ~~ ' ``r`~4
Chief Deputy ' ~ S~1 - ~ ~~~ E; ~
Richard W Stewart
Solicitor _ :: GUs'vi~;~: w ~jJNTY
PENNSYLV,~NIA
Capital One Bank (USA)
vs. Case Number
Joseph W. Cramer 2008-5216
SHERIFF'S RETURN OF SERVICE
09/03/2010 08:35 PM -Gerald Worthington, Deputy Sheriff, who being duly sworn according to law, states that on
September 3, 2010 at 2035 hours, he served a true copy of the within Complaint and Notice, upon the
within named defendant, to wit: Joseph W. Cramer, by making known unto Cody Shumaker, Customer
Service Representative at 1909 Ritner Highway, Carlisle, Cumberland County, Pennsylvania 17013 its
contents and at the same time handing to him personally the said true and correct copy of the same.
GE LD WORTHINGTON PUTY
SHERIFF COST: $33.40
September 07, 2010
SO ANSWERS,
RON R ANDERSON, SHERIFF
GOLDMAN & WARSHAW, P.C.
BY: BARRY A. ROSEN, ESQUIRE
Identification No.: 42951
312 W. Broad Street
Quakertown, PA 1895.1
267/373-9730
CAPITAL ONE BANK (USA), N.A.,
successor in interest to
CAPITAL ONE BANK
vs.
JOSEPH W CRAMER
A:... r
3'!l~~n-Oi FIDE
~,~ ~,~- ~~c. -r~~ ~~~TA~
NAN11232 `"~ ~~°``_ ~ "`~_~ o `a~JF
^° ~
"~~ ;^w ~~ ~;~~~ GfJt1 ~ Y
~,~~"P~SYLL'~,~~~~
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO.: 08-5216
PETITION FOR APOINTMENT OF ARBITRATORS
Barry A. Rosen, Esquire, counsel for plaintiff in the captioned matter respectfully
represents that:
1. Plaintiff instituted this legal action by filing of Complaint in Civil Action, and
defendant subsequently filed an Answer, placing the matter at issue.
2. The claim of the plaintiff in this action is currently $13,981.49, exclusive of court
costs. Defendant has not filed a counterclaim.
3. The following attorneys are interested in the case as counsel or are otherwise
disqualified to sit as arbitrators: NONE
WHEREFORE, Plaintiff prays this Honorable Court to appoint three (3) arbitrators to
whom the case shall be submitted.
Goldman & Warshaw, P.C.
BY: ~ a~.o0 PD Al'T~J
BARRY A. SEN, ESQUIRE ~~ 83loa
Attorney for Plaintiff ~~ a~4y
a
GOLDMAN & WARSHAW, P.C.
BY: BARRY A. ROSEN, ESQUIRE
Identification No.: 42951
312 W. Broad Street
Quakertown, PA 18951
267/373-9730
CAPITAL ONE BANK (USA), N.A.,
successor in interest to
CAPITAL ONE BANK
vs.
JOSEPH W CRAMER
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO.: 08-5216
CERTIFICATION OF SERVICE
I, BARRY A. ROSEN, ESQUIRE, hereby certify that I, on the
date below, served a copy of Plaintiff's Petition for Appointment
of Arbitrators, via First Class Mail, postage pre-paid, to all
other parties or their counsel of record, as follows:
Mr. Joseph W. Cramer
1909 Ritner Hwy
Carlisle, PA 17013-9310
BARRY A. SEN, ESQUIRE
Dated: /G // ~1 /D
.•
File #: NAN11232
IN THE COURT OF COMMON PLEAS
FOR CUMBERLAND COUNTY
CAPITAL ONE BANK (USA), N.A.,
successor in interest to
CAPITAL ONE BANK
vs.
JOSEPH W CRAMER
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO.: 08-5216
ORDER OF COURT
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AND NOW, this l.A~ day of ~~'Z,~/L~liJi2~Gt.P/v, 2010 upon consideration of
Plaintiff s Petition for Appointment of Arbitrators, ~ ,Esq.,
Esq., and ,Esq.
are appointed arbitrators in the above-captioned action as prayed for.
BY THE COUR
'~' /~
J.
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cc/a /ro
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Plaintiff
JoLe?? ? ?Mer
Defendant
In The Court of Common Pleas of Cumberland
County, Pennsylvania No. O& - S2?to
Civil Action - Law.
Oath
We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United
States and the Constitution of this Commonwealth and that we will discharge the duties of our office
with fidelity.
T -
Signature
t xe?c '4- X17 •-?rr
Name (Chairman)
Law Firm
Address
Law Firm
Q1, 1 K n? Ji
Address
Signature
id w
Name
Se IF
Law Firm
?,, +
ddress
Sk4-?p?C .ia319 ? 1?4?T2,7 Jrllr A 17d?? 0, f; S 40 f ? ! 70J J?
City, zip city, zip city, Zip
= !?gQ Q 0203 d. ;1?
a?s3Y Award
We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the 4
following award: (Note: If damages for delay are awarded, they shall be separately stated.)
ti e%M -%
. Arbitrator, dissents. (Insert name if applicable.)
Date of Hearing: 1- L-1- 200,
Date of Award: 12- - \Z- Zo w
ignature n
Ufa}, 1 U A A
ame
m ! & [1 /- A
Notice of Entry of Award
Now, the /..day of 1 Ec r- , 20 jt>)at ,.M., the above award was
entered upon the docket and notice, thereof given by mail to the parties or their attorneys.
Arbitrators' compcansation to be paid upon appeal: $ `Z , OV?)
_ By:
Prothonotary
Deputy
OF THE POTHO T',,,;
2010 DEC 17 AM 9= 2
CUMBERLAND Coop i-
P'ENNSYLVAN1A
BPS' &CC