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HomeMy WebLinkAbout10-2415 CJ;If_. -,,. YT, HAYT & LANDAU, LLC B : Arthur Lashin, Esquire I entification No. 23425 400 Market Street Suite 600 P iladelphia, PA 19106-2513 ( 15) 928-1400 0 R FILE NO. 309186 Attorney for Plaintiff ITAL ONE BANK 4151 COX ROAD G EN ALLEN, VA 23060 VS. H LARY COOK 2 JOHNS DR E OLA PA 17025 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION TERM. No. 16 --.QYI-S CIVIL ACTION "NOTICE "You have been sued In court. If you wish to defend against the oiairm set forth In the foNovft pages, you must take action within twenty (M days after this complaint and notice we served, by WAWV g a written appearance personally or by attorney and NNng 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 msy proceed without you and a judgment may be en - tersd against you by the court without f rthsr notice for any mon- ey dairnsd in the oomplaht or for any otter claim or relief request- ed by to plaintiff. You may lose r orsy or property or other rights irnportont to you. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENC3ES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE ?t U t,C d "AVISO "Le hen dernandado a usted on is oorts. Si usted qulare dehwW* se de estn demandas expusstas on We pdghas siguientes usted tons voi to (M dies, de plazo al pack do Is hwhe de is demanda y Is nodficsoi6n. Hans baba aesntar uns oompanarola escrila o on persona o con un abogodo y entreger a is aorta on forme *write an defenses o sus objeciones a In demandss on contra do su persons. Sea svhado quo si usMd no se deAende, In aorta tonerd medidas y pusde continuer is demands an ooi ob suya sin previo aviso o notlNoaoi6n. Ado"*, is come pueds doMir a favor del demanderts y requisrs quo usted cumpla con todas las provisions* de seta demonda, Listed puede ponder ditwo o sus propiedades u otros derechos importances pars ustsd. "LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO 3UFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIREcci6N SE ENCUENTRA ESCRITA ASAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR 100000 0 0-000-0000 ASISTENCIA LEGAL. nn \ 'ACL al? ?? c? s7`rq ?.a4aa?rv CIVIL ACTION 1. Plaintiff CAPITAL ONE BANK is a business en ity securing or collecting debts, with offices located at: 48 1 COX ROAD, GLEN ALLEN, VA 23060. 2. Defendant(s) HILARY COOK is/are individual(s) re iding at: 29 JOHNS DR, EN LA, PA 17025. 3. Upon application by Defendant(s) a Credit/Revolving Charge Ac ount was established for Defendant(s), which was assigned account nu er 4305721493415447. 4. Defendant(s) subsequently utilized the aforesaid account to make va ious purchases and/or receieve cash advances, thereby incurring pa ent obligations to Plaintiff and/or Plaintiff's predecessor in in erest. 5. Defendant(s) defaulted by failing to adhere to repayment terms an in accordance therewith, the entire remaining balance became due an immediately payable. 6. As a consequence of the foregoing there is presently due and ow ng to Plaintiff by Defendant(s) the following amounts (see EX ibit "A"): Unpaid Balance: Interest: $7,830.73 $619.47 TOTAL DUE: ,4 7.?Despite repeated demand by Plaintiff, Defendant(s) has/have fa led and refused to pay the aforesaid sum. WH REFORE, Plaintiff demands that judgment be entered against De endant(s) in favor of Plaintiff in the amount of $8,450.20 to ether with interest and costs. HAYT By: Attorney for Plaintiff tR G u V U .6 C ?z O a z. `e v y } 0 N 3 O N A 0 G m O z f 13 ?o N H s w v z v O ? z- C Cfl 2y ?o 6A C?Q o z T 'C 8 0 n z r o ? S •x v ? m U ? U r'7 v u ?$n C ? qam o ?. E $ 3 IL g- q? w .-? O W 8i??r ??? Y S ? y`? a iFi U ?n ? N O d O fy) O 1D fY1 Ln Ln Lin I;r Ln C m U m U d Q U tea, 0 W U 6 U N U ? N M N ? Q x 0 P, 21 its i n -1 Oc C l[.r' V O? L L m fh 0 tD M CG r r H N W I K `'=doy o U,, ? '? ? ttt999 •3 0?w C u• o ' d v 0 a T ? C ''w^ V1 V1 U W ?i a s Y w a I? o0 s a V r L? it I T H 00 v 0 00 E z v Q f1. E°- ,? c u N z' z C V U Q " Q I ? T O k Q? U E Lea a. lv h I E z' 7C W d ? ? Q ? C • a w L ^L ea w L?' i i 4 i ? i v ; L a ci ?< a r Q C a u v U d° V U ? U w U U a u U ? N M N h 00 Ln HILARY COOK 29 JOHNS DR ENOLA PA 17025.2694 Ones Richmond, VA Memo Account S PLATINUM VISA ACCOUNT 4305-7214-9341-5447 Use byiolml2oo6 AUG 17 - SEP 16, 2006 Page 1 of 2 Ion IIP. I? ion 1: OS I0064781:865i4934IS Lt.?R¦ Previous Balance $.00 Payment; Credits and Adjustments $.00 Transactions $.00 Finance Charges $.00 New Balance $0.00 Minimum Amount Due $.00 Payment Due Date October 16, 2006 Total Credit Line $7,000 Total Available Credit $7,000.00 Credit Line for Cash $1,400 Available Credit for Cash $1,400.00 At your service To pill Customer Re6tions or to report a Tort or stolen card: 1-800-955-7070 For free online account smice and special outomer offers, log on to: --pitalona.mm Send PsJon ne to: Send inquiries to: Attn: Remittance Processing Capital One Bank Capin One P.O. Box 70984 P.O. B. 30295 Charlotte, NC 28272-0884 SLC, UT 84130-0285 Important Account Information Beginning October 1s4 2006, based on your account activity you may be assessed more than two late, overl'unit, or returned check fees that occur during any billing period. m no m Payments, Credits and Adjustments NOTICE: Look for a new statement design for your Capital One credit card beginning next month. A summary of the key changes will be provided with your new statement. Finance Charges Please to reverse tide for important information Bd- ds Prriodir C .-A" ME applvdro at, APR PURCHASES "0 .04082% 14.90% $.00 CASH NO .04082% 14,%% 1.00 ANNUAL PERCENTAGE RATE applied this period Date Cardholder PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4305721493415447 16 0000000078790000003 Plsa.eprnt mailingadd.<u mss s-a.ailsM.gts br! sting blw or b! .E ink New Balance $0.00 Minimum Amount Due S.00 Payment Due Date October 16, 2006 Total enclosed $ Account Number. 4305-7214-9341-5447 Capital One Bank P.O. Box 70884 111um1t11n1r1r1u1 Charlotte, NC 28272-0884 0.00% Sveet Ape F City State ZIP Home Phone Al-- Phone #9026031561321197# MAIL ID NUMBER ionnionT HILARY COOK e 29 JOHNS DR ENOLA PA 17025-2694 to 11617 68-677/510 09640-01 Y 596906 U W $ W Dollars = V QC 4 r EXHIBIT A Please torite your aeeount number on yore cheek or money order made payable to Capital One Bank and nail in the enclosed envelope. 6.18% APR" 500205 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Home Equity Line of Credit. And here are some of the ways that Capital One* Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Personalized Loan Consultant from start to finish • Close in 10 days or less No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2607 or visit www.capitalonehomeloans.com Mon.-Fri. 8am-8pm; sat. 10am-1 pm EST Reservation Number: 5068 031 282 6378 { variable annual ptrocruage rate based on a nut8in plus the Prime me as published in the "Monty & Investing". c Lion of The Wa7l.StmrJournal m of 04128/2008. r_ Maximum APR is 18.00%. rowa rntwlis Capital One is an Equal Housing Lender. See reverse for additional important information. LENDER Home Equity Loans I Mortgages I Refinancing I Debt Consolidation Homo I.- FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date C$3,147.52 - $94.00 + $73.91 + C$779.47 D= $3,906.90 $117.00 Jul. 18, 2008 May. 23, 2008 - Jun. 23, 2008 Page 1 of 1 T. Visa Platinum Account 4131115-72114-11104111-5447 /1 b Hag* (, Your Account Information REWARDS TOTAL REVOLVING CREDIT LINE $7,000.00 TOTAL AVAILABLE REVOLVING CREDIT $3,093.10 CREDIT LINE FOR CASH $1,400.00 AVAILABLE CREDIT FOR CASH $1,400.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,385.43 0.06822% D 24.90% $73.91 Cash $0.00 0.06822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 24.9056 A! ME At Your Service 1.900.085-7070 To cal Customer Relations a to report a bst or stolen card 0 Send payments to: Capital One Bk(USA),NA - P.O. Box 70884 - Charlotte, NC 28272-0884 A Send Inquiries to: Wei One, P.O. Box 30285 - Sal Lake (sty, UT 84130-0285 For More Information on your Rewards: Visit: www.cepitabne.coMpointonwerds Cat I-WO-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.rmitalone.com/disputes PIM FAY AT LEAST THIS AMOUNT Rewards Summary Previous available balance: 2,773 Earned this period: 5,780 (reflects tralstcfims posted during this being cycle) Available Balance: 8,553 Payments, Credits 6 Adiustments 1 05 JUN CAPITAL ONE ONLINE ACH PA AuthDate 05-J UN $94.00- Transactions 2 Ot JUN GIANT FOOD #263 ENOLA PA $35.08 3 02 JUN TARGET 00022020 MECHANICSBURG PA $34.73 4 02 JUN GABRIEL BROS - MECHANI MECHANICSBURG PA $50.91 5 04 JUN ENOLA SHURFINE ENOLA PA $776 6 05 JUN WM SUPERCENTER MECHANICSBURG PA $19.00 7 14 JUN BOSCOVS 00000141 HARRISBURG PA $19.99 8 16 JUN PROGRESSIVE INS 800-888-7764 OH $612.00 Whether you're in the market for a home equity loan or you're interested in refinancing, Capital One will find a home ban solution to fit your needs. We offer great rates, no hidden fees, and you will receive the one-on-one anenWn of the same personal ban consultant from call to close. Visit www.capitalonehomeloans.com for more information. PLEASE RETURN PORTION BELOW WrrH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. cm~ow what's in your wallet?- 0 4305721493415447 22 3906900094000117007 New Balance Minimum Payment Due Date $3,906.90 $117.00 Jul. 18, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One 9k(USA),NA 1111111111111111111111 P.O. Box 70884 Charlotte, NC 28272-0884 7 111111111l I I 11111111111111111111111 r 11111111111 111111111111111 Account Number: 4305-7214-9341-5447 Please print address or phone number changes below using blue or black ink. Nome Rhone Alternate Phone Email address #9017631561321195# MAIL ID NUMBER HILARY COOK 29 JOHNS DR ENOLA, PA 37025-2694 u1111n1111u1u1111111n1111111n111n11u1u111111nn111 EXHIBIT A Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. J Q ? p • Spread too thin Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One° balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-877-476-7939• 500023 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date C$3,906.90 - $150.00 + $88.59 + $2,778.44 = $6,623.93 $198.00 Aug. 16, 2008 Jun. 24, 2008 - Jul. 22, 2008 Page 1 of 1 Visa Platinum Account 4305.721449341.5447 Your Account Information REWARDS' TOTAL REVOLVING CREDIT LINE $7,000.00 TOTAL AVAILABLE REVOLVING CREDIT $376.07 CREDIT LINE FOR CASH $1,400.00 AVAILABLE CREDIT FOR CASH $376.07 .Y. PUASE FAY AT VAU THIS AMWNT Rewards Summary Previous available balance: 8,553 Earned this period: 2,779 (ref scia transactions posted during this bring cy&) Available Balance : 11,332 Payments, Credits & Adjustments 1 26 JUN CAPITAL ONE ONLINE ACH PA AuthDate 26-J UN $150.00- Finance Charges (Please see reverse for important information) Transactions Balance rate Periodic Corresponding FINANCE 2 03 JUL NEW YORK 8 COMPANY #0921 HARRISBURG PA $81.07 applied to rate APR CHARGE 3 03 JUL EXPRESS # 0343 HARRISBURG PA $68.73 Purchases $4,477.94 0.1761122% D 24.90% $86.59 4 03 JUL VICTORIA'S SECRET 0457 HARRISBURG PA $169.70 Cash 50.00 0.06822% D 24.90% $0.00 5 04 JUL BATH 8 BODY WORKS 112104 HARRISBURG PA $217.06 ANNUAL PERCENTAGE RATE applied this perlod: 24.90% 6 19 JUL BEST BUY 17 0 01 47 8 7 MECHANICSBURG PA $1,218.98 7 19 JUL BRUCES FURNITURE DUNCANNON PA $1,022.90 At Your Service 1.900.955.7070 To cal Cusbnrer RelaGOns a to report a bst a slobn cad 0 Send payments to: capital One Bk(USA),NA • P.O. Box 70884 - Chabne, NC 28272-0884 A Send Inquiries to: Capital One- P.O. Box 30285 - Sal Lake Orr, UT 84130-0285 ® For More Information on your Rewards: Visit: wwwcapitalone.com/pointsrawards Oak 1800-2293001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www. xpitalone.com/disputes Whether you're in the market for a home equity loan or you're interested in refinancing, Capital One will find a home ban solution to fit your needs. We offer great rates, no hidden fees, and you will receive the one-on-one attention of the same personal loan consultant from call to close. Visit www.capitalonehomeloan3.com for more information. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. capm °cw I what's in your walleW 0 4305721493415447 22 6623930150000198002 New Balance Minimum Payment Due Date C$6,623.93 $198.00 Aug. 16, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA 1r199199191991r1111991 P.O. Box 70884 Char to tts, NC 28272-0884 1[11911[11[1919119[191[1 191119[1199669I[1 1„1199691,911[1911 Account Number: 4305-7214-9341-5447 Please print address or phone number changes below using blue or black ink. Address Home Rhone ARem re Phone E-ma#address @ #9020531561321192# MAIL ID NUMBER NILARY COOK 29 JOHNS DR ENOLA, PA 37025-2694 urlllurlllnnrlrlrlrln11r1rll9rlrlnrLrlnlr1l91nn119 EXHIBIT A Please write your account number on your check or money order made payable to capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. 500008 ~' in your wallet? It could happen to anyone. Make sure you pay the amount HILARYCOOK due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES (good credit could mean lower interest rates) a payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ® 2008 Capital One Services, Inc. Capital One is a federally regirtered service mark. All rights reserved FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $6,623.93 - $0.00 + $141.71 + $39.00 = $6,804.64 $402.00 Sep. 16, 2008 Jul. 23, 2008 - Aug. 22, 2008 Page 1 of 1 Visa Platinum Account 4305.7214.9341.5447 C,/ Ha S Your Account Information `- REw TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $195.36 CREDIT LINE FOR CASH $1,400.00 AVAILABLE CREDIT FOR CASH $195.36 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $6,700.97 0.06822% D 24.90% $141.71 Cash $0.00 0.06822% D 24.90% $000 ANNUAL PERCENTAGE RATE applied this padod: 24.00% 0 At Your Service - Go to www.co itabne. om to manage your eoooum, or Cat 1.800.955-7070 to report a lost or stohn cad ar speak to Customer Relations 0 Pay Online at www,cepbbno.com or mail your payment to. Capital One Bank (USA), N.A. • P.O. Box 70884 - Charlotte, NC 28272-0884 A Send Inquiries to: Capital Ones P.O. Box 30285 • Sat Lake City, UT 841304)285 &Mh Manage your Rewards online by visiting or Cat tA00.228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.talone.oomldisoutes You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current Rewards Summary Previous available balance: 11,332 Earned this period: 0 (Ieflacl8 transactions posted dieing this blang cycle) Available Balance 11,332 Payments Credits BAdiustments Transactions 1 16 AUG PAST DUE FEE $39.00 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. You were assessed a past due fee because your minimum payment was rat received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. o' I what's in your wallet?' 0 4305721493415447 22 6804640150000402000 New Balance Minimum Payment Due Date C$6,804.64 $402.00 5i16, 2008 PLEASE PAY AT LEAST THISAMOUNT Amount Enclosed Capital One Bank (USA), N.A. P.O. Box 70664 Charlotte, NC 26272-0664 Illllllllllrll'11111911111111111111111111111'II'I'IIIII'IIIII'II Account Number: 4305-7214-9341-5447 Please print address or phone number changes below using blue or black ink. Home Phone Aftentate Phone E-mail address #9023631561321197# MAIL ID NUMBER HILARY COOK 29 JOHNS DR ENOLA, PA 17025-2694 Plrllrrnlhrrllrrlrl?IIIIIrhnPnrllrrlrrlnlyrrrdllm EXHIBIT A Please write your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Cm:li aI what's In your wallet? LET'S TALK - WE'RE HERE TO HELP. 5WO09 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital OW we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. Q 2008 Capital One Services, Inc. Capital One it a federally registered service mark. All rights reserved. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $6,804.64 - $0.00 + $145.57 + $39.00 = $6,989.21 $611.00 Oct. 17, 2008 Aug. 23, 2008 - Sep. 22, 2008 Page 1 of 1 Visa Platinum Account 4305.7214.6341.5447 ,1 b HA SSIG Your Account Information •.. REW ARDS' TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $10.78 CREDIT LINE FOR CASH $1,400.00 AVAILABLE CREDIT FOR CASH $10.79 PLEA5E PAY AT LEAST THIS AMOUNT You're behind by two payments. Lei's talk. If you're having financial difficulties and can't make your minimum payment - we want to help. Let's work together to find a solution. "Important Notice- Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time, Pill be advised that if you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summary Previous available balance: 11,332 Earned this period: 0 (reflects traneackms posted during this bung cycle) Available Balance: 11,332 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $6,883.54 0.06622% D 24.90% $145.57 Cash $0.00 0.06822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 24.80% Payments, Credits & Adlustments At Your Service - Go to www.cedtaMe.com to manage your scmurit, Transactions 0 «Cat 1.800-955-7070 to report a be or skibn rod « speak to Customer 1 16 SEP PAST DUE FEE $39.00 Relati- You were assessed a past due fee because your minimum payment was not received by the due date. To 0 Pay Online at www.capblone.oom or mail your payment to avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum Capital One Bade (USA), N.A. - P.O. Box 70884 • Chalons, NC payment to reach Capital One. 28272-0884 A Send Inquiries to: Cap4al One• P.O. Box 30285 • Sat Lake City, UT 84130-0285 Manage your Rewards online by visiting «Cet 1.800-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitsione.com/dsputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. "M'••• OW what's in your wallet)' 0 4305721493415447 22 6989210150000611006 New Balance Minimum Payment Due Date C$6,989.21 $611.00 Oct. 17, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank (USA), N-A- P.O. Box 70684 Charlotte, NC 28272-0884 1111111111611-11111-111111111111 1411411111'II'1'11111-11111'11 EXHIBIT A Please wrhe your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Account Number: 4305-7214-9341-5447 Please print addressor phone number changes below using blue or black ink. Home Phone A7temate Phone E-mail address (s') #9026731561321192# NAIL ID NUMBER HILARY COOK 29 JOHNS DR ENOLA, PA 37025-2694 IS''llhul1--I-till-Ihllhlnl-Il-Ilhhnll-111141--11-1111--- HILARY COOK =- important notification of a change in terms to your account Please see the important notice included with this statement. It details changes to the: a Minimum monthly payment calculation This change will take effect starting with your December billing period. You cannot decline this chance. e Fees applied to your account This change will affect fees billed to your account after January 25, 2009. You can decline this change. Ca FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $6,989.21 - $350.00 + $138.50 + $39.00 = $6,816.71 $465.00 Nov. 17, 2008 Sep. 23, 2008 - Oct. 22, 2008 Page 1 of 1 PLEASE PAJAI LEASI IRIS AMOUNT You're behind by two payments- Let's talk. If you're having financial difhculhes and can't make your minimum payment - we want to help. Let's work together to find a solution. "Important Notice" Under the terms we previously dsclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that if you fail to keep your account in good standing, Capita( One reserves the right to raise your APRs in the future. Rewards Summary Previous available balance 11,332 Earned this period: 0 (r&kcts transactions posted during the biting cycle) Available Balance: 11,332 Visa Platinum Account 1305.7214.8941.5447 ChNuHi1SS/e Your Account Information REWARDS TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $183.29 CREDIT LINE FOR CASH $1,400.00 AVAILABLE CREDIT FOR CASH $183.29 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases S6,767.39 0.06822% D 24.90% $138.50 Cash $0.00 0.06822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 24.80% At Your Service - Go to yyyy.caoitabne.com to manage your account, or Cat 1-800955-7070 to report a lost or nolan cad a speak to CLstomer Relation. ® Pay Online at mwv.caosbne.com or mail your payment to: Capital One Bank (USA), N .A. • P.O. Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Capital Ones P.O. Bar 30285 • Sat Lake City, UT 84130-0285 AVII Manage your Rewards online by visiting or Cat 1A00228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www caoitalone.oom/disoutes Payments Credits & Adiustments 1 25 SEP CAPITAL ONE ONLINE ACH PA AuthDate 25S EP $200.04 2 01 OCT CAPITAL ONE ONLINE ACH PA AuthDate 30S EP $15004 Transactions 3 17 OCT PAST DUE FEE $39.00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. Cato X- Account Number. 4305-7214-9341-5447 Due Date New Balance Minimum Payment Amount Enclosed Nov. 17, 2008 $6,816.71 $465.00 PLEASE PAY AT LEAST THIS AMOUNT 1 4305721493415447 22 6816710150000465001 #9029731561321199# HILARY COOK 29 JOHNS DR ENOLA, PA 17025-2694 Ildl'1411'11111'ulnl'Ir'rll^ru'Ihhnlllld'111P11'.II. Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay online anytime-no more checks, stamps or clutter. © Moving? Change your address online or on the back. ® Help save the planet-Go Paperless. ® Sign up at vuww.capitatone.com. Capital One Bank (USA), N-A- P.O. Box 71083 Charlotte, NC 26272-1083 Illrllrrlrrrlllll"III'Illlllllrrlrlrlrlllrlrrllllll'llll'll'llll EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. ?rttal,?- soozsl 41080 wheirs In your wallet? LET'S TALK - WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital it we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. m 2008 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $6,816.71 - $250.00 + $140.16 + $39.00 = $6,745.87 $417.00 Dec. 17, 2008 Oct. 23, 2008 - Nov. 22, 2008 Page 1 of 1 Visa Platinum Account 4305.7214.9341.5147 11hb • b Your Account Information Q 625 REWARDS' TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $254.13 CREDIT LINE FOR CASH $1,400.00 AVAILABLE CREDIT FOR CASH $254.13 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $6,763.40 01)16685% 0 24.40% $140.16 Cash $0.00 006685%0 24.40% $0.00 ANNUAL PERCENTAGE RATE applied this period: 24.10% I LEASE PAY AT LE,Si T HIS AM( N1 You're behind by two payments. Let's Talk If you're having financial difficulties and can 'I make your minimum payment - we want to help. Let's work, together to find a solution. "Important Notice- Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that if you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summa Previous available balance: 11,332 Famed this period: 0 (reflects transactions posted during this bung cycle) Available Balance: 11,332 Payments, Credits dr AdIlustments 1 07 NOV CAPITAL ONE ONLINE PYMT AuthDate 07-N OV $250 00. At Your Service - Go to wwacocitelonezorn to manage your ecaounl, a Cat 1400 BW7070 to report a lest or stolen cad or speak to Customer Transactions Relations 2 17 NOV PAST DUE FEE $39.00 ® Pay Online at www.ceoitebneopin or mail your payment to: You were assessed a past due fee because your minimum payment was not received by the due date. To Capital One Bank (USA), N.A. • P.O. Box 71083 • Charlotte, NC avoid this fee in the future we recommend that you allow at least 7 business days for your minimum 28272-1083 , payment to reach Capital One. Sand Inquiries to: A Capital One- P.O. Box 30285 • Sat Lake City, 1 84130-0285 ® Manage your Rewards online by visiting or Cat 1-800-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.rapitalone.com/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721493415447 22 6745870250000417007 Account Number: 4305-7214-9341-5447 Due Date New Balance Minimum Payment Amount Enclosed Dec. 17, 2008 C$6,745.87 $417.00 PLEASE PAY AT LEAST THIS AMOUNT #9032831561321192# HILARY COOK 29 JOHNS DR ENOLA, PA 17025-2694 II11111'1111.111111111'Illll-1111 ll•11111111111"Ilrlrllllllhr Lend a hand. Save the land. Manage your account online today- iYs fast, easy and secure. ® Pay online anytime-no more checks, stamps or clutter. ® Moving? Change your address online or on the back. ® Help save the planet-Go paperless. ® Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 I I I I I IhIllrrllI11.11.1111111rr111111••11.1.111.11••11111111.1111 EMBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. HILARY COOK CqWa7 - what's !n your wallet? MAKE A PAYMENT. AND TAKE CONTROL 500010 OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our &g check by phone service or speak to an associate by calling 1.800.955.6600. © 2008 Capital One Services, Inc. Capital One u a federally registered service mark. All rights reserved FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $6,745.87 - $0.00 + $133.94 + $39.00 = $6,918.81 $659.00 Jan. 16, 2009 Nov. 23, 2008 - Dec. 22, 2008 Page 1 of 1 Visa Platinum Account 4305.7214.9341.5447 Your Account Information REWARDS' TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $81.19 CREDIT LINE FOR CASH $1,400.00 AVAILABLE CREDIT FOR CASH $81.19 You're behind by three payments But you can bring your account current by paying the minimum payment amount on your statement. If you're having financial difficulties and you re feeling overwhelmed - we want to help. Give one of our associates a call at 1800 955 660D You'd be surprised what we can do together to work this out. -Important Notice- Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that 8 you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Finance Charges (Please see reverse for important information) Rewards Summary Balance rate Periodic Corresponding FINANCE Previous available balance: 11,332 applied to rate APR CHARGE Earned this period: 0 Purchases $6,818.13 0.06548% D 23.90% $133.94 ('°llects transactions posted during this billing cycle) Cash $0.00 0.06548% D 23.90% $0.00 Available Balance: 11,332 ANNUAL PERCENTAGE RATE applied this period: 23.BOX e At Your Service - Go to www.cmilabne.mm to manage your account, or Cud: I-BW955-7070 to report a bet or sblan card or speak to Customer Relations 0 Pay Online at wivactsidebne.mm or mail your payment b: Capital One Bank (USA), N.A. • P.O. Box 71083 - Charlotte, NC 28272-1083 A Send Inquiries to: Capital Ore- P. 0. Box 30285 • Sal Lake City, UT 84130-0285 ® Manage your Rewards online by visiting or Cat 1-000.228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www poitalone.wmldisoules Payments Credits & Adjustments Transactions 1 17 DEC PAST DUE FEE $39.00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721493415447 22 6918810250000659001 Account Number. 4305-7214-9341-5447 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- Jan. 16, 2009 $6,918.81 $659.00 it's fast, nosy and secure. 0 Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT © Moving? Change your address online or on the back. ® Help save the planet-Go paperless. #9035931561321197# ® Sign up at www.capitalone.com. HILARY COOK 29 JOHNS DR Capital One Bank (USA), N.A. ENOLA, PA 17025-2694 P.O. Box 71083 Charlotte, NC 2.272-1083 nln'nnllrll'j'Ij'I"Ijll'Il^I^mnrrllll'Irjl'Ilj'Ihlll Illllllrlllrrlllll'II'lllllllrrllllllrrllrlrlll?ll'?Illlllllrllll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A HILARY COOK sooolo ? MAKE A PAYMENT. AND TAKE CONTROL whaYslnycurwsllet7 OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our f= check by phone service or speak to an associate by calling 1.800.955.6600. 0 2008 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date C$6,918.81 - $100.00 + $137.37 + $39.00 = $6,995.18 $805.00 Feb. 16, 2009 Dec. 23, 2008 - Jan. 22, 2009 Page 1 of 1 Visa Platinum Account 4305.74149341.5441 ??,,// ? Your Account Information ? REWWARDS' TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $4.82 CREDIT LINE FOR CASH $1,400.00 AVAILABLE CREDIT FOR CASH $4.82 You're behind by three payments. But you can bring your account carrent by paying the nil nimum payment amount on your statement. If you're having financial difficulties and you're feeling overwhelmed - we want to help. Give one of our associates a call at 1800 955,6600 You'd be, sarpnsed what we can CIO together to work this out. "Important Notice" Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that if you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Finance Charges (Please see reverse for important information) Rewards Summary Balance rate Periodic Corresponding FINANCE Previous available balance: 11,332 applied to rate APR CHARGE Earned this period: 0 Purchases $6,987.41 0.06342% D 23.15% $137.37 (reflects transactions posted during this biting cycle) Cash $0.00 0.06342% D 23.15% $0.00 Available Balance: 11,332 ANNUAL PERCENTAGE RATE applied this perlod: 23.15% At Your Service - Go to www.ceodebne.oom to menage your account, Payments, Credits 8t Adoustments e or Get 1-800.955-7070 to report a lost or soem cad a spear to Customer 1 21 JAN CAPITAL ONE ONLINE PYMT Authi 20-J AN $100A0- Relasons Transactions Pay Online at www.ombbnevom a mail your payment to. ® 2 16 JAN PAST DUE FEE $39.00 Capdel One Bank (USA), N.A. • R O. Box 71083 • Charbtle, NO 28272-1083 You were assessed a past due fee because your minimum payment was not received by the due date. To A Send Inquiries to: avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum Capital One, P.O. Box 30285 • Sal Lske City, UT 84130-0285 payment to reach Capital One. ® Manage your Rewards online by visiting :%t 1-BW-228-3001ntmwwats ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.caoitalone.com/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721493415447 22 6995180100000805000 all W Account Number. 4305-7214-9341-5447 Due Date New Balance Minimum Payment Amount Enclosed Feb. 16, 2009 $8,995.18 $805.00 PLEASE PAY AT LEAST THIS AMOUNT #9002331561321199# HILARY COOK 29 JOHNS DR ENOLA, PA 17025-2694 ,Ilrllr"1111'tl'11th'I"III111111'1111rrL11ryrllrlr,lllllll, Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 19 Pay online anytime-no more checks, stamps or clutter. © Moving? Change your address online or on the back. ® Help save the planet-Go paperless. ® Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 73063 Charlotte, NC 26272-3063 Illllllrlllnrlllllrllrlllllllrrllllllrrllrlrlllrllrrllllllll?llll E)aIIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. HILARY COOK what's in your wallet? TAKE CONTROL OF YOUR CAPITAL ONEO 500°11 ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our fig check by phone service or speak to an associate by calling 1.800.955.6600. 0 2008 Capital One Services, Inc. Capital One is a fedemlly registered service mark. All rights reserved. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date C$6,995.18 - $0.00 + $143.57 + C$78.00 D= $7,216.75 $1,059.00 Mar. 20, 2009 Jan. 23, 2009 - Feb. 23, 2009 Page 1 of 1 Visa Platinum Account 4305.7214.9341.5447 ,1 b? J ? Your Account Information "` REWARDS' TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,400.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $7,0416 0.06342% D 23.15% $143.57 Cash $0.00 0.06342% D 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this perlod: 23.15% AT-h At Your Service • Go to wow.cadtabrie.oom to manage your scoount, WS, or Cat 14800-855-7070 to report a bst ar sbhn cad a speak to Customer Relations 0 Pay Online at www.caosbrie.com or mail your payment to: Capital One Be* (USA), N.A. • P.O. Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Capital Ow P.O. Box 30285 • Sall Lake City, UT $41300285 ® Manage your Rewards online by visiting a Cat 1-800-228-3W1 ® Haw a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalone.com/dispuies PLEASE PAY Ar LttASi rHISAMOUNf You're behind by four payments But you can still bring your account current by paying the minimum payment amount on your statement Need help? Give us a call at 1 800 955 6600 Well work together to find a solulion. "Important Notice" Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that 4 you fait to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summa Previous available balance: 11,332 Earned this period: 0 (reflects transactions posted during this bibV cycle) Available Balance : 11,332 Payments, Credits & Adlustments Transactions 1 16 FEB PAST DUE FEE $39.00 2 23 FEB OVERLIMIT FEE FEB 23, 21X)9 $39.00 Your account has gone over its credit limit. To avoid additional overlimit fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721493415447 22 7216750100001059002 Account Number. 4305-7214-9341-5447 Due Date New Balance Minimum Payment Amount Enclosed Mar. 20, 2009 $7,216.75 $1,059.00 PLEASE PAY AT LEAST THIS AMOUNT #9005531561321191# HILARY COOK 29 JOHNS DR ENOLA, PA 17025-2694 ,11111"1111111'Illlllryllllllll'I1111'Il'Illlllr,IrrLrllllllrr Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. ® Pay online anytime-no more checks, stamps or clutter. ® Moving? Change your address online or on the back. ® Help save the planet-Go paperless. ® Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1063 1111111,Illrrlllll'll'lllllllrrllllll"II'1'lll'll"IIIIIIII'llll EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. HILARY COOK 500012 cqw;m . what's In your wallet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. m 2008 Capital One Services, Inc. Capital One is a fedemUy regioered service mark. All rights, nerved FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $7,216.75 - $0.00 + $129.35 + $78.00 = $7,424.10 $1,301.00 Apr. 17, 2009 Feb. 24, 2009 - Mar. 23, 2009 Page 1 of 1 Visa Platinum Account 4305.7214.9341-5447 /V ? Your Account Information Q ? REWARDS' TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,400.00 AVAILABLE CREDIT FOR CASH $0.00 Flnanee Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $7,284.46 0.06342% D 23.15% $129.35 Cash $0.00 0.06342% D 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this pedod: 23.15% At Your Service - Go to www.inot abne.com to manage your account, or Cat 1-800.9554010 to report a bst ar stolen cad a speak to Customer Relations 0 Pay Online at www.ci oitalo e.com or mail your payment ID CapBel One Bank (USA), N.A. - P.O. Box 71083 • Charbtle, NC 28272-1083 You're behind by five payments We've permanently revoked your charging pnwleges. If you continue to miss payments your account is at risk of being charged off. Please don't let this happen If you're feeling overwhelmed, call us at 1800 955 6600 We'II work will) you to resolve this malt r "Important Notice" Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that if you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summary Previous available balance: 11,332 Earned this period: 0 (reflects transactions posted during this bong cycle) Available Balance: 11,332 Payments, Credits & Adjustments Transactions 1 20 MAR PAST DUE FEE $39.00 2 23 MAR OVERLIMIT FEE MAR 23, 2009 $39.00 Send Inquiries to: Your account has gone over its credit limit. To avoid additional ovedimit fees, you should pay more than Capital One• P.O. Box 30285 • Sal Lake Ory, UT 84130-0285 A the Minimum Payment Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. Aft Manage your Rewards online by visiting You were assessed a past due fee because your minimum payment was not received by the due date. To or Cat 1-SM228-3001 avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www,capitalone.com/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721493415447 22 7424100100001301004 Gwi Account Number. 4305-7214-9341-5447 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- Apr. 17, 2009 $7,424.10 $1,301.00 it's fast, easy and secure. 19 Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST © THIS AMOUNT Moving? Change your address online or on the back. ® Help save the planet-Go paperless. #9008331561321193# ® Sign up at www.capitalone.com. HILARY COOK 29 JOHNS DR Capital One Bank (USA), N.A. ENOLA, PA 17025-2694 P.O. Box 73083 Charlotte, NC 28272-1083 Illlrlllrrlll'II'' LrLlll'II'I'lllllllrl,"'Il'Illlllll"11'111 1 Ilrr I I IILr I r atilt rl n II' rllll Iln I rllr Ir Illr IIrrllllllll Inl EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. HILARY COOK Ca what's in your wallet? 500013 IT'S TIME TO TAKE CONTROL OF YOUR DEBT. WE'RE HERE TO HELP. Even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by the due date to eliminate the risk of being charged off. © 2009 Capital One. Capital One is a fe&wUy registered smim mark. Ad rights resnved FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date C $7,424.10 ,- $0.00 + $142.71 +$78.00 =( $7,1x44.81 $1,559.00 ~) May. 18, 20091 Mar. 24, 2009 - Apr. 22, 2009 Page 1 of 1 Visa Platinum Account 4305.7214.9341.5447 A // Your Account Information c ` `? ItEYIfAll TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $1,400.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $7,500.58 0 06342% D 23.15% $142.71 Cash $0.00 0.06342% 0 23.15% $000 ANNUAL PERCENTAGE RATE applied this period: 23.15% Q At Your Service - Go to wwwcaoitebne com to manage your account, or Cat 1.000-955-7070 to report a lest a stolen cad a speak to Customer Relations PLEASE PAY AT LEAST THIS AMOUNT You're behind by six payments If we charge off your account due to late or missed payrnenls. finaice. charges will continue to accrue. Act now to prevent this from happening Please pay the rnmimum payment amount on your statement or give us a call at 1800 955 6600 We're here to help Take control of your credit with Capital One. "Important Notice" Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time Please be advised that if you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summarv Previous available balance: 11,332 Earned this period 0 (reflects transactions posted during this ding cycle) Available Balance 11,332 Payments, Credits & Adiustments Transactions 1 17 APR PAST DUE FEE $39.00 2 22 APR OVERLIMIT FEE APR 22, 2009 $39.00 ® Pay Online at www.caoitabne com a mail your payment to. Capital One Bank (USA), N.A. • P.O. Box 71083 • Chabtte, NC 28272-1083 A Send Inquiries to: Capital One- P.O. Box 30285 • Sal Lake City, UT 84130-0285 Your account has gone over its credit limit. To avoid additional overlimit fees, you should pay more than the Minimum Payment Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the AWL Manage your Rewards online by visiting amount you pay accounts for any future purchases, fees, and finance charges. or Cal I-IIW228-3001 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum ® Have a question about a charge on your statement? payment to reach Capital One Please refer to the Billing Rights Summary on the back of your statement or visit www,caoitalone.oomldisputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4305721493415447 22 7644810100001559001 Account Number: 4305-7214-9341-5447 Due Date New Balance Minimum Payment Amount Enclosed May. 18, 2009 $7,644.81 $1,559.00 PLEASE PAY AT LEAST THIS AMOUNT #9011331561321198# HILARY COOK 29 JOHNS DR ENOLA, PA 17025-2694 III-III,IIIIIIIIIIIIrIIII„I,III, I, I,IIII,II,IIIIPII,I,II,II1, 1. Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay online anytime-no more checks, stamps or clutter. ® Moving? Change your address online or on the back. ® Help save the planet--Go paperless. ® Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 73083 Charlotte, NC 28272-1083 uIIIIlrllirrllillrllrllllllirrlhlllrrllrirlllrllr?IIIIIIIPInI E)U-HBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. HILARY COOK CAPITAL ONE BANK (USA), N.A., Plaintiff, V. HILARY COOK Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of hi /her knowledge, information and belief. Dated: Shawn Wood A088 HAYT, HAYT & LANDAU IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK VS. NUMBER: 10-2415 t7 ~~ r~'" ,r; , r._ -~- c, N r._.. ~-'_ ~J ~~ i ~,~ ~, t -~ ~: :~ ^C. HILARY COOK PRAECIPE FOR DEFAULT JUDGMENT AND ASSESSMENT OF --- 5.:~ r . f" ,' .. TO THE PROTHONOTARY: ~. c. ~: Kindly enter judgment in favor of Plaintiff and against the Defendants} HILARY COOK for failure to answer Plaintiff's Complaint, endorsed with twenty (20) day notice to plead, served upon Defendant(s) on APRIL 16, 2010 and assess damages as follows: Unpaid Balance: $7,830.73 Plus Interest: $619.47 Additional Charges: $.00 Plus Attorney's Fees: $.00 Less Credits, if any: $.00 TOTAL DUE: ~~~ Pursuant to PaR.C.P.237.1, I hereby certify that notice t file this Praecipe was mailed to the above named Defendant(s) and h Attorney of Record (if applicable) on MAY 28, 2010 and copy/copi of the same is/are attached hereto. ARTHUR LASHIN, ESQUIRE Attorney for the Plaintiff HAYT, HAYT & LANDAU, LLC 400 Market Street 6th Floor Philadelphia, Pennsylvania 19106 (215) 928-1400 ~~%aa ,Q~'~ l~.~h, ~~~ ~ ~~~Is~a ~~~~~ ~~ COURT OF COON PLEAS AFFIDAVIT OF NON-MILITARY SERVICE CAPITAL ONE BANK STATE OF PENNSYLVANIA - VS - SS HILARY COOK COUNTY OF PHILADELPHIA Arthur Lashin, being duly sworn according to Law, deposes and says that he represents the Plaintiff in the above entitled case; that he is authorized to make this Affidavit on behalf of the Plaintiff; and that the above named Defendants} is (are) 18 + years of age; the address of Defendant(s) is 29 JOHNS DR ENOLA, PA 17025. Occupation of Defendant(s) is unknown; and the Defendant(s) is (are) not in the Military Service of the United States, nor any State of Territory thereof or its Allies as defined in the Soldiers' and the Sailors' Civil R~ji.ef Act of 1940 and amendments thereto. ~ ~ Arthur Lashin, Esquire, Attorney for Plaintiff Prot onotary Sworn to and subscribed b re me this QZ ~f~ day o 20 ~!~ A.D., Notary P is COMMONWEALTH OF PENNSYLVANIA M commission ex ~ Notar-al Seal Y P Ana Outen,.Notary Public pty of phlladelpMa, Philadelphia County ~ Commtsslon Expires June 27, 2014 Member, Pennsylvania Assoclatbn of Notaries HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 400 Market Street Suite 600 Philadelphia, PA 19106-2513 (215) 928-1400 OUR FILE N0: 309186 Attorney for Plaintiff DATE: MAY 28, 2010 CAPITAL ONE BANK 4851 COX ROAD GLEN ALLEN, VA 23060 vs. HILARY COOK 29 JOHNS DR ENOLA PA 17025 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVII., DIVISION No. 10-2415 NOTICE OF INTENTION TO TAKE DEFAULT PURSUANT TO PA.R.C.P 237.1 TERM. You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this paper to your lawyer at once, if you do 'not have a lawyer, go to or telephone the office set forth below. ',This office can provide you with information about hiring a lawyer. 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. CUMBERLAND COUNTY BAR 32 S BEDFORD STREE'" CARLISLE PA, 17013 800-990-910$ By: ASSOCIATION