HomeMy WebLinkAbout06-6600t
4
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff No: 0(a - U66
VS.
COMPLAINT IN CIVIL ACTION
VICKI HARTMAN
Defendant FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 2718
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
05467912 C A Pit CXC
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs. Civil Action No
VICKI HARTMAN
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, CAPITAL ONE BANK is a corporation with offices at 6851
JERICHO TURNPIKE #190 SYOSSET , NY 11791 .
2. Defendant is adult individual(s) residing at the address listed
below:
VICKI HARTMAN
34 BELL AIRE AVE
CARLISLE, PA 17013
3. Defendant applied for and received a credit card bearing the
account number 5291152053853269 .
4. Defendant made use of said credit card and has a current balance
due of $1997.75 , as of October 27, 2006
5. Defendant is in default by failing to make monthly payments when
due. As such, the entire balance is immediately due and payable to
Plaintiff.
6. Plaintiff is entitled to the addition of interest at the rate of
25.900% per annum on the unpaid balance from October 27, 2006 . A copy
of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 111" and
made a part hereof.
7. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the balance due to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant , VICKI HARTMAN , INDIVIDUALLY , in the amount of
$1997.75 with continuing interest thereon at the rate of 25.900% per
annum from October 27, 2006 plus costs.
Jam s . Warmbrodt,42524
WE , WEINBERG & REIS CO., L.P.A.
43 S venth Avenue, Suite 2718
P'tt urgh, PA 15219
014 434-7955
t?NX67912 412-338-7130
C A Pit CXC
This law firm is a debt collector attempting to collect this debt for
our client and any information obtained will be used for that purpose.
au cre Your account is delinquent. _ r to To protect your make a paymendit with us, you need
We want to help 1 - ;< We can help-but only if you call us.
t' --I When you call, you can make a free
check-by-phone payment.
Return your account to good standing.
It's up to you to take the first step.
Call us!
1-800-479-7231
ou-M
CapualOne*
Account Suutman
Previous Balance $932.34
Payments, Credits and Adjustments $49.00
Transactions $5€.00
Finance Charges $20.32
New Balance $961.66
Minimum Amount Due $961.66
Payment Due Daze May 19, 2003
Total Credit Line $500
Total Available Credit $110
Credit Line for Cash $500
Available Credit for Cash S.00
At your service
To cZ Cunomer Relations or r.• repon a lost or ttolm card:
1-800-608-5227
For fre online account service end sp-.1 out- offers, log on to:
.vww.mpimlonemm
Send pal a to: Smd intry o to:
Attn: Renutunm Proeasing
Capital One Senim Capital One Swices
P.O. R. 85147 P.O. Box 85015
Richmon(L VA 23276 Richmond VA 23285-SOL
Important Account Information
For service in Spanish, please call (8o0) 929-€137. Para
servicio en Espanol, por favor marque 800-929-8137.
n
COLD MASTERCARD ACCOUNT
5291-1520-5385-3269
MAR 20 - APR 19, 2003
Page 1 of 1
Payments, Credits and Adjustments
1 21 MAR DEP BAL OFFSET - C/O $49.00
Transactions
20 MAR Ol ERLIMIT FEE
3 19 APR PAST DUE FEE
$29.00
29.00
Your request to close vow account has been received. Your account will be dosed when it reaches a $0 balance.
Until then, you will continue tc receive statements and must continue to snake payments. AB terms and
conditions of the account will apply while a balance remains. Please remember to cut your cards and cancel all
charges which automatically bill to your account
You were assessed a past due fee of $29.00 on 04/19/2003 because your minimum payment was not
received by the due date of 04/19/2003. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
EXHIBIT
Finance Charges
Y&
Pie-w revniee szder important information
Bal- a, P
r E
-1 FUZ
-=
?, er E
1
PURCHASES 5661.89 .07096% 25.90% 51456
CASH 5261.83 .07096% 25.90% 55.76
ANNUAL PERCENTAGE RATE applied this period
25.90%
PLEASE RETURN PORTION BELOW VtnTH PAYMENT.
C__P M0V 0000000 0 5291152053853269 19 0961660037000961663
New Balance 5961.66
Minimum Amount Due $961.66
Payment Due Date Mal 19, 2003
Total enclosed f
Account Number: 5291-1520-5385-3269
Capital One Bank.
P.O. Box 85147 {{{nnu{{u{{t{t{nl
Richmond, vA 23276
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Home Phone A)-- Phone
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#901_1059020159749# MP.IL I) NUMBER
VICKI HARTMAN
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a 34 BELL AIRE AVE
CARLISLE PA 17013-9600
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Please unite vow account numbs on yore rJreck or monev order made pavable to Cassia' One Bank and mat: m the enciwed enveiope.
0 2002 Capital One Services, Inc. Capital One is a federally registered service mark. Alt rights reserved.
s
1. lbw 7. Avoid A Fiume Chrga. pemric rate, To obtair: the average daily balance tun the your accoum if it has already been closed. Far example,
f a. arses Pried. You will new a midmurn grace period of billing peripp covered by this statement, we take the it you authorized a purchase from a merchant and we
ralliallilit 25 days without finance charge on new pur[iwsss, new beginning balance of each segment each day, add any new receive the transaction tram the merchant after your
balance Iran ite s, new special purchases and new other trarhsactias to each segment , and subtract any payments accotm has been closed, Your account will be reopened,
gaaaaa charges it you pay your torsi -New Balance-, in or Creeps. (It The Code N appeaR The front 01 this
' The amour at the charge will be added to your account,
ecrAfdanhCe with the important Nmice for paymets below, we also
ramme sm next to 'Balance Rate Applied To, and You will be res{wMide to, payment. It there is a
and in time for it to be credited by your rem Statement subtract y unpaid finance charge Included in the balance membership tee fo you, account, the fee will comvue
closing time. There is no grace period on cash advances of each sail ett.l This gives us the daily balance of each to be charged, to the extent bemltted by law, until the
end special monslers In addition, them is no grace period segrnem. Then, we add up all the daily balances for each a-- balance has been paid in full as defined above.
on any trarwction if you do not pay the Loral -New segment for The billing earned and divide by the loud 7. Using Your Areama (.Your "to Or account cannot be .
balance' number of days in the billing period. This gives us me used in connection with any imemet gambling
- b. Arresting Fines. Charge. Transactions which are rot
I average daily balance of each segment . turh6actIr6.
- Subj ct to a grace period are assessed finance charge 11
I Arsral Pato masip Rata IAPRI.
J
= from the date of the transaction or 2) from the date the
I a. The term 'Annual Percentage Rate' may appea, as BILLING RIGHTS SUMMARY
transaction is processed To your Account or 31 trap the 'APR' on the trore of this mamprem fin Case Of ErmR Or Questwrre Abae Your Big!
firm calendar day of the cornet billing penud. Atlditioralh, b. If the Cade P (Prime), L (3-ma. LIBOR), C (Certificate or If you think your bill is wrong, or if you reed more
it you did rot Pay the 'New Balance" ham the previmes Deposit), or $ Mankcam Prime) appeaR on ins hot of
' intma atipp on a Inumeien or bill, The m w an a
billing period is full, fine- charges -1- to accrue to odic
this steamer next 10 The periodic rate(s), the p separate enact as soon as possible at the address for
'
your unpaid balance until the used balance is paid in full. rapes and cumespardrng ANNUAL PERCENTAGE RATES npulries all- on the tram of this mapemem. We must
This means That You may will owe finance charges, even if may vary domedy and may increase or decrease based hear from you no later than 60 days after yes Sam you the
'
MINIMUM! you pay the entire New Balance indicated on the from of on the mated indices, as tard in The Wall Saes[ firm bill on which the arm, or problem appeared. You can
your statement by the next Statement closing Me, but rid Journal, plus the margin previously daclosed to you. all our Cummirm Relations -bar, b- doing ao will rim
not do so tar the previous month. Unpaid finance charges These charges will as effective an the first day of your preserve your rights. In your lenen, give us the following
are added to the applicable sepmett of Your Account, billing period covered by your periodic Statement ending information: your name and accou t number, the dollar
= t c. tlYrtaatan F.-.. Clues. Fur each billing period ma! i the months January , April, July and Oc oner. mount of the suspected error, a description or the stmt
your account is suugect to a finance charge, a minimum c. If the code D (Prime) F (i-mo. LIBOR) or G (3-mo. and an explanation, if possible, of why you believe there is
_ tool FINANCE CHARGE of $0.50 will be imposed- If the LIBOR Repriced Monday) app-. on the fret of your an error, o, if you need mom mtomation, a description of
S oral finance change rasufti g from the application of your statement hac to the penodim rape(s) the periodic tares the ium you are unsure about. you do hit have to pay any
penoec rate(s) is less than $0.50, we wall subtract that and corresponding ANNUAL PERCENTAGE RATES may apnant in question while we are investigating it, but vent
amount tram the $0.50 minimum and the difference will be vary mtmNv and may increase 0, decrease based on the are mill obligated to pay the parts at your bill that are not
billed to the purchase Segment of your accounl mated indices, as foxed in The Wed Street Journal, plus in question. While we investigate your question, we Cann
Te,rparry Rtbration in F'nrtoS pugs. We reserve the the magin previously disclosed to you. These changes capon you sa delinquent or rake any action to crapes the
ngm To rot aaaess any or all finance charges for any given
billing penOd. will be affective an the firm day of your billing period
each month. ton- you West)-.
2. A-M. Dally Balance Ibsekrdi g Now Fvernesl. c. A.-ant at Lars, Ovefiait and Rnreenad Fwarsee F.- = t Special Rule For Credit Card Purchases
a. Race charge is calculated by multiplying the daily Your account will be assessed an more than Two of The tees
_ balance of each sagan- of your accaet (e.g., -an limed here that occur during any billing period. Under the It you have a problem with the quality of property or
dvarce, purchase, special transfer, and special purchase)
b terms of you, customer agreement, we reserve the right to
rior notification to
f
ithout
i
t
Services that you porn Sell with a creel[ card and you
onsiss; een
by the correspunding daily penodc rate(.! that has
previously disclosed to you. At the end of each day during ve on not
o assess any
ees w
wa
p
you will= waiving out nghi m assess the same or smiler have teed in good faith To correct rfe problem with the
_ [tie billing period, we, apply The daily periodic rare for each
ll
l
n
e
f each
f
th
d
b Ita$ an a later rime.
It a membership tee
TRrtawtr
Yaa Account
5 merchem, you may have the Tight rim on pay to henetring
moon due on the property or services. You hove this
y
Segment o
your account to
e
a
a
a
c
o
segro mt. Then at the and of the billing period, we add tC g
.
.
appears on the from of this Statement, you hove 30 proecnen omy when the purchase price was more than
•
the resulm of these daaV calculations To arrive St Your days from the date this sumemene -a malted to you to $50.00 and the Purchase W$s made in your hate mate o
within 100 miles of your mailing a0d,ess. (1t we own or
periodic finance charge tot each segment. We add up the avoid paying the fee or to have such lee cradled 10 you
h
d
i operate the merchant, or I! we mailed You the
resorts from each segment to arrive at the total penochc
finance charge to, you, acco[m. To get the dally balance e per
o
, you may
if you cancel Your account. Duping t
..it - to we your account Withota having to pay lhE :d-rd-e' for the property or Services, all purchases
i
f
h
for each sepben of your accost, we take the beginning membership tee. To cancel Your account, you mum purc
are covered regardless of amount or locat
on o
ase.)
Plains romembe, to sign all ccomspadencs
balance for each segment and add any new maisacbxe
are any periodic finance charge calculated an The previous notify us by calling our Customer Rates- Department
and pay your 'New Balance' in full (excuWg the
day's balance for that segment. We then subtract any emberahip %e) prior to the ad of the Thrty4ey period. t Does not apply to consumer non-cred7t card accounts
' payments or credits posted as of That day that are allocated B. If You floss Your Aecarat[. You can request to dose
to that Segment This gives us the separate dally balance your a..- by telling our Cumom.n Retail- t Does no, apply m hi si r- apa-credit card accounts
for each sargrnem of your accauc. Howe-, if you paid the Department. You mum demroy you Credit Cells) end
New Balance shown on your preview Statement in full to, access clack., cancel II preaumonzed baling,
end ran
- Ci trim( One supports Informal- privacy protection' see our
if your new balance was zero o, a creep amounT, new rig your imeoi [. If You do not
cease
= halm m wvyw. ptalae.can.
ransactiors which pas To your purchase or special a
preauthorized billing arrangements, we will consider
, Gael I One I. a federally registered service mark of Capital
Purchase aegrrents are nap added to the daily balances. We receipt of 8 charge Your auhorizetion to reopen yout Gas chancel Corporation All rights reserved. is 2003
calculate The average pally balance by adding all the dally account. Adtlitiaai your amount will nap be closed Caput One
balances Together and dividing the sum by the number of until you pay all amounts you owe us including, any
the days in The current billing cycle. To caloaam your total transactions you have authorized, finance chmges, pas.
f
h
C. finance charge, multiply your average daily balance by the
daily periodic rate and by me number of days in the billing ees, cas
due tees. -rum' taw, rap hied payment
advance fees and any other tees aesesbd to your
O period. Due to roundirhg a. a daily basis, there may be a account. You are responsible for these amd-. whether
slight v riance be- this cW.u afton and the .maenl of they appear an your account ra toe time you na,- In
o finance charge -cruelly assessed. cities The account or they are incurred Subsequent to
h. If the code 2 or N appeals an the trahr of This Statement your request to does the account. This may result in
reel to'Balance Rate Applied To,' we mumply the
ever ace gaily balance of each sedmem by your monthly thl • charges appealing on your account after you hove
moueat d its accou . t be closed or the mooeirg of OILGLBAK
22142M
Important Notice: Your payment will be credited to your account as of the date we receive h, provided you send the bottom portion of this
statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments
addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our
Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five !51 business days for postal
delivery. Payments received by us at any other location or in another form may no, be credited the same day we receive them. Our business
days are Monday through Saturday, excluding holidays. Please co not use staples, paper clips, etc. when Preparing your payment.
04
To protect your
make a paymendit with us, you need
Your account is delinquent. to
We want to help!
i
We can help-but only if you call us.
When you call, you can make a free
check-by-phone payment.
Return your account to good standing.
It's up to you to take the first step.
Call us!
1-800-479-7231
otetato1
CapitalOnea
Account Summarv
Previous Balance $%1.66
Payments, Credits and Adiustments $•00
Transactions 564.00
Finance Charges $2129
New Balance $1,046.95
Minimum Amount Due $1,046.95
Payment Due Date June 19, 2003
Total Credit Line $500
Total Available Credit S.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To cell C--. Relation. or to report a loa or stolen -&
1-800-608-522/
For free online account senior and special automer off-. log oo to:
wwa.,xpita --,
Send pm.. to: Send inga6es to:
Attn: Remittance Processing
Caputal One Smi- Capiul One Semees
P.O. B. 8514; P.O. Box 85015
Richmond. VA 2327, Rkh...d. VA 23285-501-1
or[ant Account Information
Capital One is a proud sponsor of the American Film
Institute's CBS primetime special presentation -- ".AFI's 100
Years 100 Heroes & Villains: America's Greatest Screen
Characters." Of the centurv's great film heroes and villains,
who is the greatest hero and who is the greatest villain? Will
the list contain Tames Bond, Rocky Balboa, Hannibal Lecter,
Catwoman, Indiana Tones. Norman Bates- To find out the
answers to these questions and mam more, tune in to CBS,
Tuesday, lune 3 from 8 11 PM (EDT./PD71 7-10 PM
(CDT).
a
a
GOLD MASTERCARD ACCOUNT
.529i-1520-5385-3265
APR 20 MAY 19, 2M.
Page 1 of ]
Payments, Credits and Adjustments
Transactions
1 21 APR OVERLIM'_T FEE $29.00
2 19 MAY PAST DUE FEE 35.00
Your request to close vour account has been received. Your account will be closed when it reaches a $0 balance.
Until then, you will continue to receive statements and muse continue to make payments. All tams and
conditions of the account will apply while a balance remains. Please remember to cut vour cards and cancel all
charges which automaucally bill tc vow account.
You were assessed a past due fee of $35.06 on 05119,'2003 because your minimum payment was not
received by the due daze of 05.119!2003. To avoid this fee in the future, we recommend that you
allow at least 7 business days for vour payment to react: Capital One.
Finance Charges e
Please ire resew Ad
jaa, important information
Baim..rae. Pmol y
o
C
mf?
,p/ dm rmr AP
R
PURCHASES $732.37 .07096% 25.90% $15.59
CASH $267.56 .0709690 25.90% $5.70
ANNUAL PERCENTAGE RATE applied this period 25.90%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
CapFtMow, 0000000 0 5291152053853269 19 1046950037001046957
Net Balance $1.046.95
Minimum Amount Due $1,046.95
Pavment Due Date Tune 19, 2003
Total enclosed $
Accoum Number: 5291-1520-5385-3269
Capital One Bank
P.O. Box 85147 111unn111nt11{ut1
Richmond, VA 23276
11111 16111 11111111111 11111 11111 11
P-, mint -1.f addren tartar e-mail rhmrn belay,-.fits, m Mari m,e
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Homr ph- Al- Ph-
E-L Add-,
#9014059020159746# MAIL Jr: NUMBER
VICKI HARTMAN r
°i 34 BELL AIRE AVE
a° CARLISLE PA 17013-9699
° s {nt111nt111uuni{n1{t{t{ut1{u{?{u{t{nut{u{u{tuts{
Aease unite vow ao oun: number or. vow check m monn, order made payable to Capital One Bank and mail in the enclosed -elopc.
Q 2002 Capital One Services. Inc. Capital One is a federally registered service mark. All rights reserved.
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t er. area! Period. You will her- . mMmun gmce Period at
25 day, "Thou, finance Charge on new purchases,
balance'rancham, new, Special purchases and new other
charges it you pay your Imal 'New Balance', is
accordance Win the Important Nonce for payments below,
and in time Tot n To be credned by your next me se sm
dosing dale. There Is ne grace period on cash advances
and special tommers. In addition, there is no grace penotl
any ,- =I- if you do nor pay the total New
baanc,"
It. Amwump P'- Charge. Transactions which are rot
subject I. a grace period are assessed finance Charge 1)
hem the date of the transaction or 2) from the time the
transaction is processed to your ACCounit or 3) from the
firsr Calendar day of the current billing period. A klitioneliy,
if you did rot pay the -New Balance- from the previous
falling period In full, finance Charges darm"we 10 'Cove In
Thusrnea id ?o nce , it me boost d balance is Paid IT, hk
you may mill awe finersz charges, even N
you pay the entire Now balance nndcated on the thorn of
your statement by The ned astement dosing data, but rid
nor do so for me previous mornh. Unpaid finance charges
are added to the applicable segment of your Account.
tc. Mimaan Fneram Charge. Far each billing period that
your addamr is aspect to a finance charge, a mirimun
total FINANCE CHARGE of $0.50 will be rmppeed. If the
total finance charge rearing from the eppiication of your
periodic am(s) is less than $0.50, we will subtram Thai
amount from the 00.50 minimum end the difference wilt be
billed o the purchase aep?mnern of your accpart
t d. Temporary R.duetien n tuner Chg.. We reserve the
night to nor assess any or all finance charges for any given
billing period,
2. A-we Daay Be,- li naahdng New PrMUSSsI.
e. Rrxrce charge is calculated by mumplying the dally
blience of eech aegmat of your account (e. g., cash
advance, purchase, special transfer, and Special pureneeel
by the Corresponding daily periodic rate(.) that has been
prewouay tliscloaetl to you. At the end of each day during
the billing period, we apply the all periodic rate for each
segment of your account to The dally balance of each
segmeam. Than at The end of the billing period, we add Lt.
the resulis of These It calculations to arrive at your
periodic finance charge or each Segment We add up the
results tram each segment to arrive at the imal periodic
finance charge for van acc urn, To gm the daily balance
fa each segment of your accepts, win take rte beginning
balance for each segameam and add any new ttataactins
and any Periodic finance otarpe calculated on the previous
day's balance for that segment. We than Subtract any
paymems or credits posed as of thal day that are allocated
to Vol segment. This gives us the separate daily balance
or each segment of your accent. However, if you paid the
New Bala... shown wit your ponaI- somennem in fill (or
it your new balance was zero or a Credit amount), new
tradeactlors which post to your Pare. or special
purchase segments are not added'. In. daily balances. We
car came the average daily balance by adding all the billy
balarnces ax stain and dla"M the sun by da number the days in the current billing cytle. io calcWate your total
finance charge. muluplv your average daily balance by the
daily periodic rate and by the number of days in the baling
period. Due To roundrg on a daily bass, them may be o
sihght variance between dos cal.ohnion and are amount of
finance charge actually assessed.
b. It the code 2 0, N appears on the front of this samemem
nee to 'Balance Rare Applied To,' we multiply the
averace daily WiTince of each segment by your momMy
21909M
periodic rare. To obtain lire average daily balance for the
billing penod havered by INS mme nem, take the
beginning balance of each segment chi day, add any new
Trmeactions to each segment, and Subtract any payments
or credits. (If the code N appears on the from of this
statement Mere to 'faance, Rate Applied TO,' we also
subtract any unpaid finance charge Included in the balance
of each segmem.) Ths gives us the daily balance of each
segment. Then, we add up all the daily balances for each
segmern for the billing period and divide by the total
number of days in me billing period. This gives us Ina
average daily balance of each segment.
3. Aurual Pancerltage Rotas Iill
e. The tam -Annual Percentage Rate' may appear as
APR' on the tram of this statement
b. If tie code P (Primal, (3-mo LIBOR). C ICertificate of
Deposit), or S (brinkrard Prime) appears on the from of
INS aaemem ran o pe periodic stela), the Periodic
,saes and corresponding ANNUAL PERCENTAGE RAT FS
may vary quarterly and may increase m decrease based
the Stated indices. as foul in The Wall Street
Journal, plus the margin preaousiy disclosed to you.
These charges will be ehectlve on the firm day of your
billing period covered by your periodic statement ending
'n the months January April, July and October.
c. Ii the Code U (Prime), F 0 -mo. LIBOR, or G 13-mo.
LIBOR Repriced Monthly) appears on the into of your
Statement ear' to the periodic mtelsl. the periodic rates
and conesporMng ANNUAL PERCENTAGE RATES may
vary monthly and may increase or decrease based on Ire
mated indces, as food m The Wall Sheet Jmnost, plus
whaill be effective an H? firm ddaa tof yyou, our These changes
y r falling period
each mornh.
Your .
4. Anow? of La., overpass rid a Playmates etas
VOpt account will be assessed no more ore than n two of me fees
limed here that o orene, , dumng .9 any tbilling , - period. reserve Under the
terms of your coma sot, the right to
will not to mosems O any lees a ho prior notification to
without waivi% ng sir, ngM to as.. sess tie same or similar
feet at a late, time.
5.',Rww^* p your Accars. It a membership fee
appears on the from of this sp tern you have 30
days from the date this matemern was mailed to you t0
eyold paying The Tae or I. new, Such tee cradled to you
If you cancel your account. During INS period, you may
continue TO use your account wnhouh. having to pay the
membeahip tee. To cancel war account, you mum
rarity us by calling our Customer Relations Department
and pay Your'New Balance' in full lexeudng the
mambeol fee) prior to the and of the TNrtv-tlay period.
fi. If You Casa Your Acl call. You can equem to dose
you, account by calling air Customer Relations
Department. You mum destroy your credo card(S) and
account access checks, cancel all preeudionzed baling,
end cease uainp you, account. If you do rat emeel
preaumorized bdllrg arrangements, we will -.do,
r -opt of a charge your auinentation to reopen yajr
account. Additionally, your account will rot rx cased
until you pay all amounts you owe is including: any
transactions you have authorized finance charges, oam
due acs, .-door, fees. rmumed payment fees, cash
advanic i fees and any other fees assessed to your
amt. You are responsible for these amounts whether
They appear on your at- at the time vent request to
close It. accmnt or they are incurred sbse uera to
you, request to close the account. This may result in
charges appealing on your account after you have
your at-, n t ,es „ u war u . _. --
f you authorized a purchase from a memclam and we
receive the transaction from the merchant after your
accoam has bean closed, your account will to happened,
the amount of the charge will be added to your accourr.
and you will be responsible o, Payment . If there is a
membership fee for your account, tle lee will continue
to de charged, to the extent permitted by law, unil the
ouan balance has been paid in full as defined above.
7. ling Yew Amout.Your card or accent, canner be
used In curnec .- with any intemat gambling
Tarisectione
BILLING RIGHTS SUMMARY
tin Case Of Errors Or QU.stiae Abma Your Bill)
If you think your bill is wasng, or if you reed more
information on a ttaoeschan or bal, write m us on a
separate an- as non as Misalde at the address for
inquiries shown on the from of this aetmnem. We must
hear tram you no later than 60 days aher we sent you the
fire bill on which tfa error or problem appeared You can
cal our Gstomer Relations fiptirbet, but doing so will no
preaerve year Sigma. In your letter, Ave us the following
intonnaion: your name and account number, the dollar
moue of the sumpected error, a description of the Timor
and an moll ration, it possible of why you bekeve Irate is
an fromr, Or it you reed mom Intorm.Uon, b ca"Cophen 01
The item you are mature mou. You rip ref have to pay any
amours in question while we are irf-igstkg it, but you
are stiff obligated to pay the parts of your bill that are nor
in question. While we invesu me your question, we --
report you as delinganm or take any action to collect the
amount You question.
I,t Special Rule Par Credil Card Purchases
if you new a problem with the quality of property or
services trot you purchased with a credit cao and you
haye Tried in good faith TO coriec, trie problem won the
merchant, you may hove the rigor rat to pay the remarrsng
amfalm tlue an the property or serapes. You have INS
protection only when the purchase price was more than
$50.00 and the purchase was made in your home mate oh
within 100 miles of your mailing add- (11 we own or
operate the merchant, or It we melted you the
adverasemem or the property or setvicea. all purchases
are Covered regardless of nine= or kicanon of purchase.) ?'.
Please remember to sign all correspondence.
t Does not apply to corsrnnm non-credit card acdndnds
t Does not apply to hnsines non-credo card accouns II
Capital One supports information privacy protection: see our
webram 91 www capileiore.mm,
Capital One is a federally epead aerate mark of Capital
One rrnencial Corporation. Al! i rights reserved. 0 2003
Capful One
01LGLBAK
Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this
statement and you, check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments
addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our
Washington processing center must be received on a business day by 3:OC p.m. PT. Please allow at least five (5) business days for postal
delivery. Payments received by us at any other location or jn another form may not be credited the same day we receive them. Our business
days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment.
CUSTOM!
welcome he Capes or-* we are piwd to have your 002 card Venom The
Csslow Agmermot cordons edom efo+ abMA yaks arxouht. Please reed t and law I
for you tecrds Your cord TW win ua fr to card and accord rft Ag/eoerht)
consists of pis CudDe w Aghast top lien sgb anY drogee ID this Cusbmer
Agresssrd tat e1 make as propidd below, the Seoaly Aeeourd (d applicable). to
Swft Account Aofpeaeni AgmeDrerrl (a appiobk). CaPbJ On P&MY 118102, DRY
amui dsdoaaee prDrdad and dshwed 1D you Ipbr In or a fly tens Your accoead
pPae 4 irdudng dsdmxn Purswnt to mqueemns of aTruth nt rioin Landing Act
td rges
puereia Adornd any Dwww as and erhd ee') as e'a? /1ul?awl your *nabn {neMrdsp
ID take d gk=rnrored and y It aeros Sala ? Or O1Mr eznca at
•rrryY afateods or on any any Pp n•
igurs.
rider In ni ad on you account. n In „s??ftiion nbr waft to, each, a pat
fir eedx pozon who
and I ?d thappacaa?uiioNel) end b anyone she who is sutuorad In uses to 1=onsd in awry way
(mu t,-n lk*o and Usaf'? E=0 s spa stated hares, such of You gs
YhdiMmIly and . obligated under this Aproenerd. The words be; 'us' nd 'Due
meen Capital One Brdc and Is sucossors. assigns. aprde mdlr ardtat2d
repsmaw wee, r fie spplpeon br the account slated test to araN ref be e
'AV^ Account' td; careers the Wds you here pledged b us tab noose Yaw account
This Apaanwi and to Seaaty Acco ni Assignment AgraffW f 11 applicubb) do rd
OW3
R AGREEMENT
o sdl k4 am / those tmsacbrs reshot in an war knit to. and those
ti>trcfctfoaa and bas are be subject to this Agreement and the Set urtY Accaknl
Assignment Agmen-d (11 appiitable} Any trmsadons honored in excess d you
ce kdt will rn1 n " n an ncsase 91 yrwr =A time unless we apnssN
no* you otwwse.
Addtbmat Baseta lard Senricac. Frown tier b fns. we may otkr You baWm
fhd :envoys with yad amoutl These brhdta and nrrxet nay be PIO' bit
a at Mw Parma Una wpm rude a pad of tags Agreement, and wend s
provided n to Arbkslm ftrlsion below. fry soon berrks and srvfrm are rd
¦ Pad d enis Aglaeent and ail subject cad/ b to am and COnldiion DLt*W
n the bwWb or mvieas bmdwm ant dies official door" ens provkad b YOt
with respect to pe hmdb and nmi= . we may adjnst• add, or debt benela D
sewioss of asl'sna in accordance we for bro , of dooneas you receive
n addibn. wV such bsneik or servos okrad to You orates and serwa
d ft C"& b Benebr' steal repay am supaeede the
M had been 1010 to You in al Prerors vaabns d to 'Guide to B@rwft
.glad bdler notice. E=W a tdovcled by novice few. we ore not liable to
bratift?r srvLxs P°o'ibed by tend 1w'" or to edge a or omr M d those
appy to rig CAM Capp1 One Bade w=" I* you may hare. star we or In the
fiubaee? as Plvbed b !e At>?don Provision below. l)thlest you hoe wield
iio a Saari Aaaunt Asnpaerd W .-d 0 us. 1. accountepp t Js ? -W. Fxoq
s posy dad n n Sawafg Ac?untASip d to :Dodd
h
rdrteean0 by ar7 ehtar progefty. lgprdlnc d to Was fry cater ooirld b which
you end we in subjmat We on dent w&ckV ag of mx rib Indan this Agrxmrd
wf/wd being 401. The card s and resoles our property, and you will surrender lt to us
st any tree upon request.
Assigamrd. We troy bander your account the SwurW Amur (a apPioble)• the
Seoahr Amwi Aaegrrwi Agreement (t applicable) rdr me *a ode this
Aprwen t to an assignaa The assignse ref take our pace under to Ap eemaK the
Sstselp Account (11 applicable) and the Sead4y Aosu I Asdpnnw- Agrssmerd (i
appieatb0) with Suspect to the awwrenfs end votress waro cod. id otarvva
or any ad be as M ' of Capital One Back You mud pay the ssslpsae r transfer awsmud of yaw dphhabligiadr to Aplnre nit the Sam* Account (I applicable) to
Smartly Account Adpmrert Agreernaant (t applicable) In f tans A rW&Y Wit will
011 i pea wrYbn consent Su" of led ore6ve successors. assigns and
be binding nd bur to the boreal your a
•
Using Yaw Acoeuat You can meth pirdases and obtain cash advances (i cash
dvarCe9 fe n dplan for you acccurrp by hskg you ord. account number and fw
atmu i access dmda fahrktdaq Purchase Chrd Comenince Chuclm Spacial
Tmsbr Chador and star crier chucks) taw we mat' send to you. Addion*. You
may rageew a sap I*rT d on accord access days. but se reserve the right n
dranga you a fee for such w"caa. Who we provide you nth acnoud access dada,
we will ball you whether bay will be heated as purchases, cash edvan= or sped
transfers. Unless se bit you wwmise. Convert CIe:IS wf :Ways be reeled as
cash advances. we cosy esb sh dilbad segments for your aczaunt such as a
purchase sagmrd a cash advance sepment and a spacial Each
sopro t busy be ninjed to tams and cndikbns tat ail different than tow tal are
applicabta b olw aeg nan .
our iebflftr, t ant, for wry wrorgtrd doom of an sm=og amass dmk is knifed b
T actual drnegec and shall tat s>cl de any conssgvant0l damages. and in rio event
exceed fhe amount of to dew InterthN r lkgw
You agm col In use to card or acaunt in co nsc on sib any
gambling rmascilm but any hnlerm or legal pambkg =mob= in which you
mpega wain to card or a, , I rcvartdos will be subpd to Oh's Agrawat and the
Saaak Aecasd Asgrnent Apraanrd (11 appfioble). _
use. or
Yaw wd and acc:Dult may onlIr be used for valid and
auhxtn xwwm Was to use, the w r sceaad for M UrrbWbA r haP?emissibk
Props you d be msponsble bee such use find may be required In lhnbume us and
MestrCad n s that USA, Inc, 'Visa,* as
lapappl Ces C1 L1ee wmsorsl 1 smaada or rCror %cz& tat we or they pay as a
=9 lag such wdraW c imperrnislae use. In any evsnl any unlawful or irmamrstale
trarradots in which you ngsge with to and or account nevertheless will be =Wit In
this Agnwtnt and the Secrty Aeme.'d Auw9wet Agreement (t applicable). You
Was the we w not 1sPors3 1 a anyone refuses to how your card or sawL
I you hod a prior oath card or *w scoord wth us, or such an amount or balance of
Such an amrnunt was vaslensd to us or one of our statute and you agreed a raw"
to btano of Do prior wcourrf In the form of you new account. 0* new account will
aL41a -shyly! charpaa boa to dale that the new account 6 opened.
ALftdnd ow at not brdaey responsible for the accanl M authorized user may
use a ran end. on mWM tertan amount eromrfbe and can regraS to be mewed
4qn to a=wrn Sd*cI In our dlaaelm on wA rtrsd tsr may not be able IDs irdi ale
YOU ?. to I)MOCIS US WM In Orename ,date of birth
our AM's to uss, your birth
and stew meoft nbmafion we may rrprest
Exdarge Rata. K you make a sa sacion in morency arm tan US. dollars. VISA
Interregional or MsbrCatd Inmate wit c xwen to large tr as& Into a U.S.
dollar amrad In a= dance wit% their gwakq regutafas or cobvrt on famdures in
area w to we to tasaelos is Prorseed. VGA Hernafonars regulators d?
pneoWees puovW pal elleclin Ape 2 2DD5• to exduerge raft bearsen the
taaaclph t9nency and ft b*j amnccy used for processrhp Wamafmd
srrssclao Is alley (1) a rase selecled by VISA born the range of a, which rate may
r ", , c nmr., mwlrs for to applicable twnbal prbtesin0 data, w
vey been the sae VISA bet receives or (2) to gover:rrid natdatd tale in Mect fr
the 0ppio1ie anbel potesainp dab MislerCad Inerratonsts regulators and
procadues pn'be 4e currency conversion 1t A tars is Ww (1) a wholesale market
ilk or (21 a qws A1A°nt vrendaled rate In effect on tae day of the xnhd proossirg
dale.
Cash our "ow In b drt I cesh advances we an tars i o we eepp o for ? rrdn?
can on your motnd purdah p
Oensuclione' At ash atp*Wmt bastcbm reel bl tvatad s cash sOrsncas 110 wit
be 2Nd b to Cowl advance w2co d of yon account. Can M **N rmsectios
include, wDed kwWon. to pudase d rare imnew moray orders. bets. IDWY
tors, aseio p n ng drips and War simta Products or savices. Nonnp n Ts
p n"ph will be htaxpmW m vaidae"vasadmm tal is unb%U or n?amsbk.
(a Cro& ? k4allr at t any later *w we disclosed when your account IS opened
tat sp* b slant vVear s of your account (Such as purchasw ash advances and
rxPadd tlrndas? Yw osrad tdfdl bhlc eel be fdarn0ed n you Permds stem ra
Yoe epee net to abw to balance of your lrsshad (thdudmp
chaps lansa
ad oleo bs or dwpwsa the balance of to "guar" of ras
asoa! b exceed 1M appecs0la awn knid t lave ban given to oPton to
ndassa yw 084 lei by awdiq fiend; b your Cud 2= a p applicable). we
reearve h rlQhl rhol b ewreeee Yes gas kml a Or fhnnhea are provded whk
You aecorsa le n rbbuU. INS MV/ Iinraeee OF die Yand WN; at our aedk kNk a &W arm
faalard glen near b you. cony fi0Y
an Nhaul pea mote b You. may sry ka bit to hens firs let cash adrarrs or may tab
asey yw ably to oban cash advanors. We nay how asnmcbns in sires of you
Mailag Psymrrts, you p err ee b pay us and art fable for al awns due
Rsurirp tore to sutnrimd use d you cad or aecoorl ids 0 - any firanx
deign and cow do" des ads the tors of 96 Agreement P1Ym wft nsa
be wads to U.S. doles. Ptyowds ands by a dodo mousy order or other
nagoaebla kown@ t (as'Aeml mcsb be in a ben accepablt 10 us and be dtawP
an a US ksmdal hswubr. We may abcat Wynans and offer credits and
prtteeds among to vrfous d yo t so:ourA and to snags and
Mk*W due wlhn aaoh aepnanl m ny M vm dafmke, Including balances
ryoldsq raw Varssdres) wen low erw11 Pertrdaga rats (APRs) before
balances wile higher APRs.
Parma you sal to us at the address for payment stow an your peroft
elaleme I reel be radde0 b yaw amud as d to business WY we mceive A
111 (1) you send er rsrrnfance coupon pwkn of your pw-k eu --. a
and your chuck in to rnil0roe envelope Provided and (2) your paynnerl 6
mosired in bur processing wwtW by the tree krdio0d m Your ParOdc 311119mnent
P1aase aNDw At 1123150 (5) business days for POSW dsivey. PaYnans lxived
by US dV1 otm botion at in any ahr iDrm may nd be aedaad as d the day
we 1cawy throw our braness p our discretion sob * - Saw ogy, adu&V h?a
WdCc. g t we ar1dt we &=availability epa a t a M Is, ps rr" w sous offer pace, we cosy delay the ct d*V of tax Payment for hp b be e (5)
(5) days. This may tehSe you to sour lele PaYrwn gees
and addifi" finance charges. and may result in ms accourd bm% declared ID
be in dda=tt
Any orison psymwd tlat is due we be sated in you pedodx stabmem YOU
mug pay at kno f re minenum payment due by the doe stated in Your penode
staww to vied a tat Pernen; iee. H--w. you ^ay pay mono elan the
rninilrslln paytrrd of pay to balance it hill. In ww case, inw= Charges will
mytirare b be westmd dumng bOV periods tlW you carry a balance moardiest
of whalm or nol your sb ma a shoes a ru nknm wfn*M due. et n
We can accept kk lerpwas or partial paymems. or tams craned "pa,outs
bur or new *rAw briam . or payments with a request to sppl ? the payment c
a particular saner, withal Iosap any of our highs urdr ft Alm-TK
kridkq war dgK to acne peymem in furl No paYmed shall operate as ac
accord and SaWlatbon wMM our pw wdMrn approval AN writer.
cnrrewrieebrs dhpuad anions, including nY check or other
paynrnt eafhsrant= awl the prymarl congaris'paynsn; in tun of
the wrcw owed or that it tendered win Dler mn&= Of knife KX. Off 25 WE
srbacior of a disputed smioad rwd be melad o debered m CaPtil CVW, funds
Boss LVID• RidmncL VA 7 L'>-5D10. You will not make paymems from
Dbakad ban 4e accoad of arty Dthar dedl =DO ant us. t Your Paynem E
mods b eery other address, we mar accept the peYwnt wMOul ban; ern' of Dm
When you seed ha check(s) to rata Parretti On Yea amUK You authorize us b
W
male a Ora-tme tMontc transfer from Your banka-ctntdd for taw 2"IDUM Of ore
deck s indicated by nunertel dgls. This tutwdaiiw applies to as dheCk(S)
,to If by s during to bung period Mn ti snt try someone 0151. who you
egw is your spent and was provided with ten dscimmm in advan x. This
stAlsrfatn is not mWc*d by but deft on Be dark and includes msut:OT .
We wit not to bound by any falbieWl I1gr11 r " '01 le appearing on the lace
or4M= side Of the desk. If we watt Process the etdmrk hander. Yam
a=aiotia es to coda • carpe against you barn aCCaknt by proan+rg the dad;
su6gMua deal. Gag or skft Instrument
We la g SCODUM IS appmP" b pored -errors, wunsd eerm.
M*W deals anisMr mows.
Wo ffw. in our sale dscmim oar an eegedkm peyr ew cervix. You are shot
negnirp 11D yore this sdvur. When You -Taft is in goons s demand dral'c
we , *, ACH dabit or otar axpedifed permed rn" for your =punt we may
dwge you an foo sdilnd Pe nam be in an afro5d dedDw to YOV a, fthwa of the of
the serves. We so nd respralbb for any the M-t by your
depgoVy estibrbn and oW Wish the let in the even d such dsh orw
a You gin: your aecoud nynbw or am aozurnt nbramon to another person to
mab a Permit for you or to ad on your boat, you ow to we wzy discuss
your ecmnf with eat person and process to paY 1 as V ii were made by you.
You tutor apse tot you wit be mspo'.abm for at yens: d FOYwTd or
ndo-ereent by such party. hnciudeIl expedited per" raium paYnoni late
par-11 and ter lent tees. We teem to right to refuse iw accept parment on
you behalf or In permit anoAar Persrh to act On you behalf.
Pedodc Stabnw2 Each morih teal you have a rdt or debt balance D! mot
flew $1 in aka asard we wi sand you a periodic saterrov as and when
nusNiued 1rr appfcade low. The penhodio stetnhn a l crew an transaclam Mind
In far account dump to btkq period The blot pernd 5 ft toe halm One
ndmrem doing dale Tough and i I 1 9 OR sad stetmem dosdg dale. The pewd- For
sample, ym Jm mf b&V period 15 to billing pancid win the mg ene I dosing
dale In Janary.
Fine= Charge. You wit be sesessed tan- cho" as lxevionaN dselosed to
you as pal of tar T1U Ac=rd'Dacbsuas or as we wt disclose 10 you t required
by applicable law.
Tasporey Rstuc on in Finance Charge. We nisave the fight to cost mass
My or at oaken: doges 'let amt' givrh beaq I*1td wlhoul waiving the right to
asses such moors longs: In a try- Deng period.
Dorn Feee and Chwp& The bbwng bs wit be bled In the: purchase
of ur and we to ves%d ti sa M mss otwwm sPa we a and applied aphiM
h
you wadi every --v Period It,
??srfia
rdddx bay aPPh • @ A ? t? be we be sassed t we w roe naelire !vu
itt et lea tee if c fncmdfad. - I ? anP? ? In vll?ndammed11 INC
j66j it, soled You periodic mad to
taincadramaerustl(or any 2"
DD5n 3
Ir+ advunhQ at any the during to billing -1* lr soy "!sear. is greater ban to
appfcabie temporary or-pamopord sad am Ifspo hn o(wholhof you wed aver tent
as a MM of a van a doge or rw cow Iw ar crepe. ewer r approved
by usk (ill s roYmhad dodo in wM be mined d we do not hm arq arrant auras
check far art o- I (M copyi g carps tor dam} copho of losedon
documentation or pentode saawares will 1Nrrod p sod an be eek to assessed Mqusad fa bong dsprda MA*K Iv. )
soy reeaen, U) a cloak drat tia srnlbr istfumerd is rd to of a Mold be
processed; or N) an etedroric It is mined unpitl or cannot be pnDmaad You
authodae ins to nestimt murv d Fey-As in our ds-oa At our option, we may
asses cis in each Ime your peyrrord Is not homo od or paid, Mn 1 I is later benhaed
or pald lolowimg rearbnimion Any dgdt doll or rimier Instrunr+d may be cotleyad
elaeroricaly I R Wnhad for kGAC nd or uhwladad funds. we may, change any d
rim kin or dhrpm or add additional fain and charges, s pv&W tolow. We
reaenw to right b hvelw any of mesa has veilod prior rogation to you wNe
mr4 fah ig ow tight to aaess those toes /d^D toward.
Cash Advance Fee. I cash advances ere pwdM fo your aeCOUMI A cash scheme
om *am dop will ((pbety(D apeach adtime wruyouwyDM-?rd oa cash a"- Or -1)
f yw aemud /n0 {?
apeist svkwk sent! Intl! The magi of the cash Advance tea inn's
=wi ba zz b o lh r l - , fimgee stroam rah yore Pam ?a'^a
rpoea d miculaiing is ararel pocoope cab for tot billing pariod. -i no 1111111Y Dose
he sand permrdme mie dbdosed for that bW; period to be 9mader Cm the annual
percentage rate dodosb yet.
Mambas le Fee.
pro t applicable ill, Sin d aired a rmerob 11 *tee wi mbrshi?re s
be a?!d asses err.aty.
period, tries spat9ticaly otwwllee. t doe rrle
1
Accowd 9 ft 110, in is assessed oonthly, 11 will be we be ocamossed curs. in owe big period in which each mnipowsory of to°e?en= .n'k°oS' of your in each
big period The tee will be bllad to the We heee segnord d your &=W and be
. . as a ptrdhase and apoW spied hour aebble cod I MIL The nMot0fe p tea
wit not be vahahdad. in whale or in Wt. teem I you or we carrel to atsourt.
Taralr Fee. A tee tai he ns for each sonar d lures from your ecrm" b Yon
sears , Acmad howl you request The be we be bled to the rash advance sapinant of
your =d and we be treated ac a cash advrhca and apgled agakd Yea avsbbb
h7ed InhL
Foreign Transaction CIMML For each transaction made in a winery *0 than to
U.S., or U.S. Tentodas, we will asses you 16 nhanra dwga as p eA-If dsdosed b
to TLA he to wilbe blood on ft l Diaclosures S. dDw amount or b ion. ad by
bw. T
Coed Bsmw Moraatims you ag" that we may obtain iriortre(ah abut you ham
creel n pv agencies a nags at t and nsidering you for raw o
your owV& ed ar(ormanm, rnrgginp your ce account PrognaMS.
Security interest The was and conditions contained wrahih thin per89MI)h apply only I
all app- caaon fo the amoud sated hN th a=unt win the ?account. A-JK To
provided us wrh cetYn funds, which love been depca(ad
MM psymed drag taf m of rag account and all maw amourds owkg under the
erred peel, pkdaed Famed row asaadsy ebbed agn SSemAy
Account. dl bads tam n he Savoy Acatad ea procaine d the b spoilt and al
proms at praee . This aa'sAy iaRed Peck ds, wighd Imbaoh, the ird al hods
hN were plead "o all Sam* Atmunt any Waloal tends added b the Semidry
Account by any gnaw lard any kbnad "wed b or accrued ca ins Seadly Acamt
nlsapnrd
The hays; drag srxday iavud we ad bh n all Ssc uib Account
Aipeope d you aseo ted, a M you dead or .? b abide by amt of ft ar=mtr
4m need a rag Secefly Am" Aw ri-t Ap-w t fa?S fou
n* we mncad you amount w any ?m we may then o IheeaaK and riot pno
nolca to you, vjMW our securtry WOW by "ducting lror your Security Account the
balance due on you acwud end all maw moms acing W r the lams d fin's
Agmanon and the Seciat Acmud A 2111W0101111 AgmwftM We may axerclas 21s right
somaily Account ariedreaIlly as we deartnele Id be
b Cade soot daductiac hum oar
epprDprat. Wtldn sixty days arm the data your amour edified closed. . send all
ranairdrg halo n to seohei7 ACDUn(b he peraah lga(y
Future Offers. The ems d my Mn afar retailing b the rzvud" be disclosed to
?n to owan offer. the lerrt c we became etedHe
amg?aly vies otowrise spedaad
Debult Wow may, in our ode dauetat declare a do" under tub Agreement t (a) we
d due,
(b) you eacaed any' ? on (C) an mk*nLn payment bM her fo matt paor bellove the do rMll your WWM is
not honood a cannot be procured, of m 011MMI IC deha to crake prymad an you
account is returned u gold or cannot be; I emeTo rag aced pemilMld by appicab4
raw, we may eau, h our sob 1, a, " h tledel! a deb ilundst ins Agreenheri t (1) Yoh
vow any of to cow hurls d the Apramard r STdO A under Assgnmerll
Agmrrrd (I appfeabY) M we h M deftMd you b ho n dhdalM unto as amw d
any Dino Wrornrd will os or any of our s6 - or (3) we ? owe Mail ux o Df he
the
any the or mabodlig Amuwa on Yar application of at our h
d L
ac=rd. or dmwrse r0enpad b 1d W (i) her'kum
arceeadko as islirtad by you or agai gi you or ((S) you dye o are dtcand Ygaiy'
rssnpead or Yrapidated. Al any bins -a- any deI under airs Arte~ (a
atr we gin's you any mace or right b cab: to dafrAt I aquind by apPecaaa awl. YOU
Wt to atthjecl to Pli ig "brat tirhsrce drops and maw as pu cant b ha tons d
this Agamwt imA " any sppkable dL%d mt, even AW NJ Judgment is
Whined. AddaoralY, we may, d rr area DPtiont (;J area or rot aka You ID Male MY
new purchases or cash Inemoolrs on you adereh 51 (Y) inhcMae you minimum
wO such notice as may be MgWW by applicable be of (z) K*9 to the
ors of applicable Yee, dos your rmunl(s) roll dmamd a+ngdNa payment of
the ltlta mnrdrg iaaoce pia all otlr wards DNilg under the amS d 116
Apmen rm and to Soma* Amount Asgranri Apremad
To to eels[ l by appicabla fn', you agent to ply os all d or add court
aMpfoyaaa a m SamleyeA6 one s mpbyes) tuaured by ins Into
cMarMDU d Try mead ydu owe tee wdaf dda Ageeedlstl Ya dee spry b pay es el
d oho rural toss !hN we lneu h ?awri?h?ayoa scads. ae?rdrlg any oosY wow male
moss. wed b x M inpade ar rigkf b hrgaa ? kh?ac?vbr a Mk the
AtbSdefn Provision bvIcw.
ADCOW Cbwm sod susansim d Credit Pdvtegs. (1) We Tray. X any km with
r wilosd Case. we rwvw advance rbft and opoes d free tasterlce r
wAxisharm
or Pat 101wAydaoplt?d under tit' andar V& Voismat I we ? the
account, you apen b kemdW* de*W AN Cads sod wised a=unt sines chods.
((2?? your D?aon to mda p?r?Y and Tau afar dtlgedos lyder ads Agmament
ini tsrhN In iM fame and dYd &W IN atmstd is tashwaed or rou ad pNMgs
row tanlpaadA or pmlwwdly suspended. Cocoldm drag Room" India wspra?y
a pwasgnrl =71=') ad on abd our socially rear in
o, off hiDkY ardor t s Sectlq Account Assgned
Agarlwdt w (a appacable). YYou co does yar shoed by clip ow Customer Relvill
doprhwd with to "!union bud on h bah of your hied cad or. I dirrd. to
awe
numbr SWW In pa Case sfnYnrd and rapolg an accourd cloaca. You
to damoy sit cards and umw0 go=" -deft canc?d 31 pgtukD W rsyp
anngetns& end caress uskV your card and a=mt t you do not carcd al
presunabod bang amagomsns. you and we will consider our recast of a
Veadhortzed data to your at;ausi to tprsiLA i your s1Ahatmil l b locpan the
are" on the terms sal brh in this Apreenwd and the Sealy Account
AnVd-t Aprsmod flf appicabk} Youramard will not be dosed urd y=1 ay
all smo ns you owe ins unto is Agmemed and to Sow* Account
Asgnmri Agmwrwd Of appfmaDk) iiCkS11111, WNW kndtion any puma zsa
and cash advanos tnnsadena you hm authwood. Iniume dvrges. Yte
aye tee, air bti low returned dock fees. rearnhed aym e?ka,
mondeship fees. Cash advance bes,tarsho ra
oher tint dorged b your sca" You va le br for mdess to a amrrououn
wfheuw toy haw beer) i curved a arc 5ma you mqued a closum to acorht The may
or toy' ate inatn ad shhaaquerd to l yar mqu@M b close m%A In capes r on you a=hrd abler you haw mqualed ha smuru
to be dowel std S the surd has already sea" closed. 1he will be
fine Secrly Account
mo wod an to bins ad bM in to Agwrrwd and
A=OMWA Agraemerd (I aPPicabfaI For, areple. I you awhata a pac ase account
has been closed, your account WE be A to amount d to dirge VA be Be *= of
added b your accoM and you will to, p I r .ls for per - ? es. )
tie Apaw-t and the Sectat Aaaui ASOM-0 Ag
smiled by applicable, law, caul mrie ? manure t?nz hes; been bpdd nttvt
as desobed above. t the rmed's acprad, a now r o nhershy be we be
charged b the accost as sWed shows.
I you, adng as tat p*may m doidef, wad b terminate s pint ermrdhoiders
r
or an whodead usWz access ID Is accouni you mug call our Reasons deaMod and otytlesil that a i ewe bnradivoly, t thersafter. you
Was b de*W Berl person's ant(s) end destoy any mused account aezss
checks in hd persons possession. There nary be a delay in the elkdia dale of
to bm*dM d tat person's KCM b to acrid The BOVA hve be
dhalged, and you and any pint acmurarold6 will be r-s; , I le. la any congas
through the use ol to card or the anmrmt by We joint amarhholder or sumodrad
user td OLitr prior to to eteetve dais of ha Yrmntien ewe r 1he charges do
era appear on he account ung a War Ira. K you are unable 1 d a?+rY
accountoldefs or auaadvied users =rd(s) or b desboy dare
access docks in that persm's posses, and you call our Customer Retawns
depaehwi b dose your arrant your aka our we be dosed in accordance wmh
be preceding Paragraph. Either you ardw to pint cardholder. I ery. Tray aaaty
tr a new account.
Changes in Terms WC say add b. mmove, amend or change any an or
any
prowewh of 1 his Agree nw4 rhtdhd% the amoral Imantep rale(s) and
dahtrs, (ncuding adding raw p mgrs d the sane or a diterad nsbne as the
ass(ng PwAsavs In the Agreenotd) at any Ins. M we do so, we wig give you
notice such amendnnent or change I legwed by Federal law or Yogi is few (tD
the s fort not pmer pled by Fedral low) unless we had previously notdod aye
mx mar td the atmmt world bow subpd b arh aow>dffmd a ct- wihou
notice. Nonce will be mated to owe lad burg addrlS6 indraletl in tea records for
fine azwriL However, no nuke we be naiad I we prevohsry had ndreG you
Ch Changeyour m=W would be ublied ID such NMWMKA or chanp without nolice
s ges ID In Anal an2rdsge =*a) we apply to your eising ac ouni
balrm from Be Wk be dace of to change, whdhor or not the amad balance
mcludes tansadlos bled b tg s9ohlti before the change date and whatw or
not you" ' b use to amount (hangs to fees and odor charges will apply
b your a=trd kdm arc eve daw of to change.
Goveraft Lam %E MAKE THE DECSfDN TO GRANT CREDIT, OPEN AM
A=M AND ISSUE YDU A CREDIT CARD FROM OUR OFFICES IN
MGM. This Agmemad is b be comr had n acwrdan ce with and
gw and by the leers of fins United States of America and by the internal
laws of the Commonwealth of Yugina vlehout giving affect to any choke of
law nee that would cam be apptedfon d to laws of any Jurisdiction other
than to Was of the United Stan of America or the rdernol laws of the
Commmmaagfh of Virginia to the rights and duties of the parties. This
neewrd Is wade n V Dols. it will be gaamed oily by Federal law and
uglnY low (fo the e1'tard Da preempted by Fadiral raw} t a court decides
trot tD an ace a part of this Agreement, tes AgmnwA wit than reed as If
the soerdorcaabk or maid art were not them, but he remaining pans v All
remain in etad
Waivers. You waive the right ID recaive rake d try rower a delay Dr
prannimemL denond " 1011011 ?P Mdi t 3g3W Yhe-a to OU Your also
w
walWok b Proceed repaid permitted Jof kne VVIfor at, addDdi?aa?dcd by to the a?? mils o s ptm d. ins defense
f
Lori or Stolen Cards or A=vurd Access Chocks. t your card(s) or acoum
scoes docks; am W or Mari or 9 sormen else may be mg forn yaw ph 1, 1 rety to Noma by cW" the h telephone ndMhr a the bac?d
ba
your Cad card a, 1 dian o 1ha telephone n n r shown Dn vine hod d you
perloAc slosmvn , or by wftq s at Cs*l One, P.O. Bea t5D15, Richmond.
VA 20S.M15. You wt not be YDt in any amount toy uauhDriurd has of you:
cards or arswht mom dads.
YDD agree b at da N WM I YDU Umge y=r fame. atldTSS, ahptone rarnber
or empty, You agree to give ins watw notice of any charge in you Dosing
addres N lain! 1D days 1lsbtaAhe charge. lOhRrlgs
pow" an the rtmiDanms cmtDd palm d you pe?rooSc hewrien n*ne;aece
stetarrent r may bt
sod b the Ink, address: CapkY Om P.O. Bur 15015. Richmond, v;. 232aS
5015.1 you " t is a joint i¢ourd or I Mart then we Person is pemdw ID
use IL you Was that all notes regrdng to aeourd may be sad solely b the
address ahem Do Dee bang r ODRIa.
Commemicaationc. We may adease idomdon to chain regarding. ha status of
history d you accDr1 as set fodh Ir the Capital One Pmiwx No=. a copy d
which has been prDrided b you. We Toy tab is nns of thid palm r
mnhadionh wih Mrnkeog and-1 I , aamyour account, and you eudenrcs such
!hod pants b lekaee kdornstiom about you it t6 We a Dur mpTsrdatvs may
wrlad ya kra ikl! b time negatdrg the V=Mfl L a b ask to addenfal
k* Dates shad you r you fspedrha w1 h Capital One. You Wee that such
C?yapffbcadkskin nd Wookad. W rd( indad a=$ as awassry aglried by
obYkrd ken r sources. For camapla yy conad You In you home of
pace d ernplaImalld during wsfwds or holdays, on you mrobae teoPthre.
vaim or nachihe, and tr small, In. amrded mew, le
rlhssape or p? Except s mAn ded by applicable law, we may monkm
or aced any cats wow MMs of aszne, apprsi caller ftntifofomr se-mcas and
use an adYm ew doing and announcing devtmt SEE A ? NOTE TTHATMTHE TERMS MCWDEDD IN ? A PROV TWN
PRDYISION ARE PART OF YOUR CUSTOMS AGREEMENT.
0 2005 Capital One SW%tM. Inc Ca" Oft is a taderaiy Tepis1e20 semvte
mart AI nighs mWrwd.
037&77-MM
ARBITRATION AGREEMENT W,757M
"MUffA A7:` THIS ARNRRATga MOWSIO I d A Mir. OF YOUR CUSTOMER AGREEMENT
Tau awl R epst vw wo You a K v40 a ~ ale P stlav PW Lw Appllubb In ArlbaRaa. 7tk ArFal a1
vbdaq vsaw fN ow Ciro as delay Woo be by hokao Is be ptvrsa a a "Au bb h.N.Am 1
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IF YOU OR WE ELECT ARIRRAT1011 OF A CLAW. NVIER srj¢t a atdbiw Nwal ie MNwO bf iaapaap ms "W"im
YOU NOR WE WILL HAVE THE RWKT TO lWXA THAT
- CLM b COW OR IERW A AMCE OR JURY OR 76 ttoevRa4bsdat ..aelypbJ k ad-d. owifrl wb $
fM ae b bss r afl ArACOtIft ftWWW tk adJlfla rX mipy
MRTRWATE IN A W M ACTUN OIL ANT OTM N ow k LaOkFi .0 On FM NO oppitseb embma d
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VERIFICATION
The undersigned does hereby verify subject to the pe alties of 18 PA. C.S. 4904 relating
to unsworn falsifications to authorities, that he/she is A e` I ALOODr)
AME)
AU)Ln? of `t??-V --Pln L plaintiff herein, that
T LE) (COMPANY)
he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Complaint
are true and correct to the best of his/her knowledge, information and belief.
(SIGNATURE)
W WR# ()Ij14 C4--l 9 `Z
IL rrv^^(
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SHERIFF'S RETURN - REGULAR
CASE NO: 2006-06600 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CAPITAL ONE BANK
VS
HARTMAN VICKI
ROBERT BITNER
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
HARTMAN VICKI the
DEFENDANT
, at 2115:00 HOURS, on the 20th day of November , 2006
at 34 BELLAIRE AVENUE
CARLISLE, PA 17013 by handing to
VICKI HARTMAN
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs: So Answers:
Docketing 18.00
Service 4.40
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Affidavit .00
Surcharge 10.00 R. Thomas Kline
.00
32.40,/! 11/21/2006
WELTMAN WEIN13ERG REIS
Sworn and Subscibed to By:
4? VF.
before me this day Deputy Sheriff
of A. D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
jCAPITAL ONE BANK
4 i
Plaintiff
?ftj vs.
VICKI HARTMAN
I
Defendant
?I
No.apWCO CNIt,T! 1
PRAECIPE FOR ENTRY OF JUDGMENT
BY CONSENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt
Paid# 42524
Weltman, Weinberg & Reis Co.
2718 Koppers Bldg
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#05467912
IN THE'COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
(CAPITAL ONE BANK
Plaintiff
VS.
VICKI HARTMAN
`III
-'II
Defendant
I
?TO THE PROTHONOTA?tY:
I
Civil Action No. Cx#, (D (o 0 0 CCU 1 L TE q ?
PRAECIPE FOR JUDGMENT BY CONSENT
Kindly enter Judgment against Defendant, VICKI HARTMAN, in the amount of $1997.75 plus costs, based
1upon the consent of the parties.
1
CONSENTED TO:
WELTMAN, WEINBERC & REIS CO., L.P.A., VICKI HARTMAN,
By:
?By Defendant
At
"W
l
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
(CAPITAL ONE BANK
Plaintiff
VS. Civil Action No. Q
VICKI HARTMAN
Defendant
STIPULATION OF THE PARTIES FOR PAYMENT
AND FOR THE ENTRY OF JUDGMENT BY CONSENT
PTO THE PROTHONOTARY:
Kindly enter Judgment in favor of Plaintiff and against the Defendant, VICKI HARTMAN, above-named, in
the amount of $1997.75 pursuant to the Stipulation of the Parties for Payment and for the Entry of Judgment by
I Consent, as follows:
1. Defendant admits indebtedness to Plaintiff in the amount of $1997.75 with continuing
interest thereon at a rate of 6.00% per annum plus costs from OCTOBER 27, 2006.
2. To secure 'he repayment of said indebtedness, Defendant agrees that Judgment by Consent will be
entered in favor of the Plaintiff and against the Defendant, VICKI HARTMAN, in the amount of $1997.75 plus
continuing interest thereon at the rate of 6.00% per annum from OCTOBER 27, 2006 and costs.
3. Plaintiff agrees not to execute on its Judgment so long as Defendant causes to be delivered to Plaintiff
the following payments in full by 12:00 NOON on the following dates:
i'. 1 ! (a) $121.50 due by 12/20/06;
(b) $121.50 due on the 20TH day of each consecutive month thereafter until the Judgment amount plus
accrued interest and costs are paid in full.
4. All payments are to be made payable to the order of "CAPITAL ONE BANK"
5. All payments due under this agreement are to be received at the offices of Weltman, Weinberg & Reis,
jCo., L.P.A., 2718 Koppers Building, 436 Seventh Avenue, Pittsburgh, PA 15219.
6. In the event of default, each payment received shall be first attributed to costs, interest and then to
principal.
7. Time is of the essence of this agreement and should the Defendant fail to have in the hands of Plaintiff
or Plaintiff's counsel any payment in full within five (5) calendar days of the stated due date, then Plaintiff shall be
immediately free to issue Execution as well as pursue all other remedies, in law or in equity, to collect the full balance
lof the Judgment entered hereunder plus appropriate additional interest and costs.
8. No act or -omission of the Plaintiff, nor of anyone alleged to be acting on its behalf, shall constitute a
waiver, estoppel, or any ot,ier excuse for non-performance of any duty undertaken by the Defendant in this Stipulation
which the parties agree is final and complete.
9. Intending to be legally bound, the parties set their hands and seals tWLLday of MfZ` -,
20 O L/
i
I
IBy:
Defendant, VICKI HARTMAN
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
James
Paid# 425'
Weltm
2718 K pi
436 S en
Pittsb rgh
(, 12)
Weinberg & Reis Co.
P'- 15;55
219
4-7955
X10. 05467912
i
I
4
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY P
f ENNSYLVANIA
CIVIL DIVISION
ICAPITAL ONE BANK
Plaintiff
VS.
VICKI HARTMAN
Defendant
+ I
s?
':, I I
Civil Action No. 0(-a (P (D (D c> CAU l ? - -tyYY)
NOTICE OF JUDGMENT OR ORDER
TO: ( ) Plaintiff
(xx) Defendant
( ) Garnishee
You are hereby notified that the following
Order or Judgment was entered against you
on r a00?
(xx) Assumpsit Judgment in the amount
of $1997.75 plus costs.
( ) Trespass Judgment in the amount
of $ plus costs.
I
y ( ) If not satisfied within sixty (60)
`
' ! days, your motor vehicle operator's license and/or registration will be
suspended by the Department of Transportation, Bureau of Traffic
j Safety, Harrisburg, PA.
(xx) Entry of Judgment of
( ) Court Order
( ) Non-Pros
( ) Confession
( ) Default
( ) Verdict
( ) Arbitration
( ) Award
(XX) By Consent
e
Prothonotary
VICKI HARTMAN
i 34 BELL AIRE AVE
iCARLISLE,PA 17013
By:
PROTHONOTARY
)
WELTMAN, WEINBERG & REIS CO., L.P.A.
ATTORNEYS AT LAW
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, Pennsylvania 15219
412.434.7955
www.weltman.com
OF INNOVATION
GROWTH .RESULTS
November 22, 2006
I
VICKI HARTMAN
'34 BELL AIRE AVE
iCARLISLE,PA 17013
Ali
Re: C,4P/TAL ONE BANK vs. VICKI HARTMAN
Case No.
Our File No. 05467912
Dear VICKI HARTMAN:
BURLINGTON, NJ
609.914.0437
CHICAGO, IL
847.940.9812
CINCINNATI, OH
513.723.2200
CLEVELAND,OH
216.685.1000
COLUMBUS, OH
614.228.7272
DETROIT, MI
248.362.6100
PHILADELPHIA, PA
215.599.1500
Enclosed please find a Stipulation of the Parties for Settlement and for the Entry of
Judgment by Consent. You should see that the enclosed Stipulation is signed and returned to our
office in the enclosed self-addressed, stamped envelope along with your first payment on, or
before, 12/20/06. Upon receipt of the signed stipulation, I will sign and forward the pleading to the
(court for filing.
Should you have any questions or comments, please feel free to contact me. Thank you for
your cooperation in this matter.
Very truly yours,
II ''
JAMES ??WARMBRODT, Esquire
JCW:cxc
Enclosures
THIS LAW FIRM 1$ ATTEMPTING TO COLLECT
OBTAINED SHALL BE USED FOR THAT PURPOSE.
it
A DEBT AND ANY INFORMATION
? n
O
40.
nV
V
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs.
VICKI HARTMAN
Defendant
No. 06-6600 CIVIL TERM
PRAECIPE FOR SATISFACTION OF
JUDGMENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C Warmbrodt, Esquire
PA. I.D.#42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WW R#05467912
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs. Civil Action No. 06-6600 CIVIL TERM
VICKI HARTMAN
Defendant
PRAECIPE FOR SATISFACTION OF JUDGMENT
At the request of the undersigned attorneys for the Plaintiff, you are directed to satisfy the above-captioned
Judgment.
Sworn to and subscribed
before me this.
?
day of Ju e, 08
NOT RY LIC
WELTMAN, WEINBERG & REIS CO., L.P.A.
By. r James C brodt, Esquire
PA. I. 24
WELTW INBERG & REIS CO., L.P.A.
27 18 s uilding
436 Svenue
Pittsb A 15219
412) 55
7912
CO;R TH OF PENNSYLVANIA
al Seal
lt, Notary Public
, Allegheny County
xpires July 15, 2010
Member, Pennsylvania Association of Notaries
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