MOTION FOR JUDGMENT ON DEFAULT RESULT: Granted 8/5/2024 HON SCOTT CHADWICK July 18, 2024 (2024)

 
Preview
 Bel HHD-CV-24-6184486-S SUPERIOR COURT MIDLAND CREDIT MANAGEMENT, INC JUDICIAL DISTRICT OF foe HARTFORDa7 VS. AT HARTFORD CHANDRADAT ORI JULY 18, 2024 MOTION FOR JUDGMENT AND ORDER OF PAYMENTS The plaintiff, MIDLAND CREDIT MANAGEMENT, INC (the "Plaintiff’), in the above entitled action respectfully requests that Judgment based upon default for failure to appear be entered in favor of the Plaintiff and against the defendant, Chandradat Ori (the "Defendant'), in the amount of $5,892.95 in accordance with the Affidavit of Debt attached hereto plus costs of $425.67 in accordance with the attached Bill of Costs for a total of $6,318.62. The Plaintiff further moves that an Order for nominal weekly payments be entered and that Post-Judgment Statutory Interest be also granted in accordance with Connecticut General Statues Sections 52-356d(c) and 37-3a. Payments shall be made to the Plaintiff's Attorney at the following address: London & London, 48 Christian Lane, Newington, CT 06111. PLAINTIFF - MIDLAND CREDIT MANAGEMENT, INC _a~ Russell L. London Its Attorney Oral Argument NOT Desired. Testimony NOT Required. London & London @ Attorneys At Law 48 Christian Lane © Newington, CT 06111 © (860) 666-4500 © JURIS No. 406548CERTIFICATION | certify that a copy of the above mailed on this the 18" day of July, 2024 to allcounsel and self-represented parties of record, or to the party against whom thedefault for failure to appear is claimed, as follows:CHANDRADAT ORI 42 —61 HENRY ST UNIT 2HARTFORD CT 06114-1735. By: Russell L. London Commissioner, Superior CourtThis communication is from a debt collector. This is an effort to collect a debt, andany information obtained will be used for that purpose. London & London @ Attorneys At Lav 48 Christian Lane @ Newington, CT 06111 © (860) 666-4500 @ JURIS No. 406548DOCKET NO.:HHD-CV-24-6184486-S SUPERIOR COURT MIDLAND CREDIT MANAGEMENT, INC JUDICIAL DISTRICT OF HARTFORD VS. AT HARTFORD CHANDRADAT ORI JULY 18, 2024 BILL OF COSTS Writ Fee $0.00 Sheriffs Fee $65.67 Entry Fee $360.00 Proceedings before trial $0.00 Other: $.00 TOTAL $425.67 Dated this the 18" day of July 2024 Zo Russell L. London Attorney for the Plaintiff 48 Christian Lane Newington, CT 06111 Telephone: 666-4500This is a communication from a debt collector. This is an attempt to collect a debt, anyinformation obtained will be used for that purpose only.CERTIFICATION| certify that a copy of the above mailed on this the 18" day of July, 2024 to all counseland self-represented parties of record, or to the party against whom the default forfailure to appear is claimed, as follows:CHANDRADAT ORI61 HENRY ST UNIT 2HARTFORD CT 06114-1735. Zo Russell L. London Commissioner of the Superior Court London & London @ Attorn 48 Christian Lane @ Newington, CT 06111 © (860) 666-4500 @© JURIS No. 406548HHD-CV-24-6184486-S SUPERIOR COURTMIDLAND CREDIT MANAGEMENT, INC JUDICIAL DISTRICT OF HARTFORDVs. AT HARTFORDCHANDRADAT ORI JULY 18, 2024 AFFIDAVIT OF MILITARY SERVICESTATE OF CONNECTICUT } } ss. NewingtonCOUNTY OF HARTFORD The undersigned, being duly sworn, deposes and says: 4 | am over the age of eighteen and | believe in the obligation of an oath. |ama legal assistant at London & London, counsel for the aforementioned plaintiff; and basedon the foregoing, | am familiar with the statements contained in this Affidavit. 2 The law office of London & London, requested from the DepartmentManpower Data Center, the military status of the Defendant, CHANDRADAT ORI, basedon date of birth and/or social security number and last name. 3. London & London received by internet a signed statement from theDepartment Manpower Data Center which is attached hereto. 4. The attached statement indicates that the defendant, CHANDRADAT ORI, isnot and has not been in the military services during the pendency of this action. Dated at Newington, Connecticut, this the 18" day or Stephanie Cakaligy “Subscribed and sworn to beforeme on this the 18" day of July, 2024.Ru§sefl L. LondonCommissioner of the Superior Court23-16447 London & London ® Attorneys At Law 48 Christian Lane ® Newington, CT 06111 © (860) 666-4500 © JURIS No. 406548Department of Defense Manpower Data Center Results as of : Jul-18-2024 10:09:26 AM J SCRA 521 & ‘Baymaat ENA tart on new purchacoe mace cr Quage Daymast Crest Pn bumite doa under 9 Lint APR EQUA] berating You" ¢ume ad WESOON Nude BALANCE COMP ‘Datar eran The gotet a eutpeened rou win em ae ero yer etizo ea meaede eat non Thswagerfor erty the Balan seatoat yu ones wong and Tov lo Hs 8 frees a go Gnevonyocen tus sulamantatecanespon ecuren fthe wos rte wt win 60 Gye HR ero sppeee obit ; Entanarttourronoay ue oy panel eres wg, You may We Seu oe Ire care oa | anceby {t, Bal you do wo wont a ey prea era oe ‘ate to tha eal balance”ene: ‘Yours once vestige have to pay De arcs bcethe hax been a ere, Pa foo Douncewa ete ra bephslng talanee extheay, ipod. To getthe ene "say pe trt rd ein pga ct ung ay nat ere Wa cannot uy to eauact tne amqurl a quasi, orrapnn yu a remarkmay cain cusraxaannnce, ve /BIOPERKS.COM or cen 1-458.260:1022 Tre ‘-280-510:1810) Sand of soca contevo a charg you larson ure Gmouet GUL tw detorene 0.80 s83009, cotumben, OM atwo mage sutvake, ou wl et havo ay Bo umounts _goraionar aay bape of oleracea 2a ‘TELEPHONE MONITORING. To provid you wi inmeaity sarin, phone ‘Whe you do not haveramatear lo pry he ara vetin quan, you a communiealonwi.vs W monliares andi record pal ‘We ean apply ety Unpaisamaued ops yur ema Bee, ADOMONEL, INFGRNATION, Abprevialns o6 yout latemant mean the feiowg:(]meana varia rte fis ao ay vary A you migra Your ar casated You Arewih OsesdsSed the goots orwincenceYour Crea Bal youCardhavePyrenost# Suchen TEREST, PAYMENT REGUREG: WW INT EGPY mans ‘ea your evel ear, and you hove Ses eins caret Oe prosion TEREST, PAYMENT: DF DEF R INTERES ‘im Doe mana you may novo 08 AGM HOLD Bay ie Mealng MOLE PAYMENT REQUIZEO: foenoe: ‘PAYMENT: OF INT LOW OBFPLT INTmeatEQ PYDEFERanaOVTEREST, DEFER INTEREST, LOW PAYMENT. ‘und LOW APREQPAY muars LOW APR, EQUALPs ray BY Towno his ght abet towing st ‘Mofyour coud balan ot any rw 1. Tae purenaneCurealawa ling ave ernedénet, ree and tn your howe atte ot wthin $00 ‘omer agout sugctroMe GtCx COAVEREO, When opie1 bean mre han 35, (Nod: Naat een rant hee ‘wen based an an aéveritecentwe ued ia you of Vso own he company Siete rw cnspoc1a hageet vee anae Pm scares Batsold you the qaode or ervzou! srocnes th psrment nn a ccd Sealee ey 2 aves egvances ‘tonensn have utedDoman pour crt ATM G/We% geheck Dat aceestes Your Fee ve ‘Ean eecovn do ec uty, A evi te wba exon os ef he eata recede, Mad foreign 5 You mutt ol yat neve Sy pte rr tne paras, payments mutt alo mel may ret be 18 as Upfal ta Bank i requlemers wo dye or emaywe Borja, inn puraven! Useate om TsMastercard ca tte of eater sdeve aro mat end yeu am prcteconatun 2 Cau, OH 4324 wpa Cty Capt Bon 60 Ean 02820, icing Oar ee 400 pam Eestere Tem (ETE rial beck, mary Fe ehechoreetbere Hine : Dallararayt:The ¢ofar amourol tbe wuspected ence, rls woe th acon Is ton gf Problem: you think have (nan en eer wal pou bellere Is wrong and wy you boticer inet, I eal efron Your ears ecu abe et conc witha BO day ater he or eopeared en your 138 one Lelzphone rune state dior ny sexo roeeneton Speed24d Yessy naa ringlgYouerees you betes ii ysland Yous tlt + Ruppoting Osetia If orate, pre 8 copy ofthe scion ot naceurate sod5 opey el 46 the nmeaat real reSreneno pa 1s crea report showing tne eccoont intermation you ere sates Wile we investigate: wt he ben 0 ero, the following viitin veal 30 cups the dul inlarmaian snd cepa ouihe inate rete 28a carne! ty fo colteck the amount in report you 63 wer Ina tn aecoun iteration ne spat sincere, alinguent ent Rrenuy ohichve pared ia somali, + The charge In que lan may remain an yaw atalement, and we continue terest on hat braanL Buby we determine tnat FAIMONTS MAAKED PRD IN FLL A witen comments ‘mace 8 stave, you wlll ool haveto pay Ind amu in guaslionet Sons ned ‘ene alglodg any a theth or otha Canguage mstpapitentsen ts ay iter or other lees elated to tral amount Moe tans, e100, Pans aa «While you do rol have fo pay ho aroun ucition, you aa cesponsibie tyror lor the egincer al our Phair oe nt ete a oer ors tha ing ty of a can apply any unoaid smourl agains your ered, Tov Rights 1 You Ave Disealtied With Your Ceci Card Purenaces he pyran sballopate s r wn accord an ati Hon wltpeut pion You sea alin with te Bore goodsUiedove verten op ia good lit fo corel the Yen SEE, Nit cat 2599 et ty altB71 1.885-2631622 (My Drolet egrchan ou my have th igh bo yO rnaining Sbiiecer) (OD FaseeI3910. fount de: Tousen gh: of Be leowog mu De ive TELEPHONE MONITORING, communication wih us nen to raves you wit nightly sewie, prone | the no mt have be your home sista within 100 ADOITIGNAL IAFORMATION he ec 3 wnen abeappsating en lor evrent mang 4449, er otnh EN ee uke atcBeen basedwas ore onan.han Sstveiearan| wo maled fo ou cr o> 5 CONDON Sie ei ay TPA a. SAE INTEREST, AYMENT at sisi gmen EQPY near ava Tw DH Pa ears WAIVE INTEREST Low PAYMENT DF INT Pv REST, PAYMENT REQUIRED; OEF INT £0 PY mane ay sheesh adawe nom on AV groan thechekpurchase, Purchasesow mado Pal acco cre DEFER INTERES! eget, LEW EAYHENT have» vacableand LOW APR £0 PAY rans LOW AP, EQUAL rte eecounl,yo per nema ‘eteitne Fat pd forthe parchaso, ‘Yau may py sl yous Account blancs et rte wit penal Wall of the eritara wbava mg erst sd you oll cca with tha sty Capilal Bank PO Bex 162620, Segoe LUSTOMER SERVICE, PO Ht 183003, coon Pat, 20. typey auleen apd related coeraspansenee te Comanity Wenete he same els ah ote deed a sae ee ‘Backrupley Deputment,PO Hox 183043, Columbus, blo our ies ga, wel eu cu arcu Atal ” ere yours detinauent. ihe th arnounland you do eek pay voneeamot [LECTRNIC CHECK CONVERSION jematin Wen rofreoo you 28 dor ate ie lato nen check eet aspinto pe somine vactoie iu ge Tomy scat: t6fo Sttra te yine dn ats exch eh sean ora i Bay yu process the lopaake ata cheekonbatance arte ong corr ine venascion a az check a le ictond ipa "aay end “er Papener Beigel Payment Grea Plan om ne dao! porch ste sow PR Ee ar utnokacec*nt ech a4youon check a4 Ihebask samHom jour (ancl nai, Ian, JALANEE COMPUTATION METHOD. Wy calcula Inieroe Hy tor ach type[chugs ol balance for eaeon your il id Ne chrou‘Recountacountlor each doy inthethe bling the ging bl ancelands wopring pes ol yourlater aceaunl ae yale a st 7 24d ey mDutchasee,ke ia iy baler aneeae LON! aby payants erst fetes ‘ie eel balance ata ecb alancel, This ges us the dal anaeas, seperatefernl ie yh ne ld ot, Un uparpent lox imefovsined jeu bytheinapayment cul tha below it piles to 6 Gayman ahead yo siete eadp tative veecays, any ‘Caplin ark, yourae ara tam Wastreara icra ical ncorpomiee, aed feflulered Inderark ol Masterced tnemational Snel Frpa. aves yma ir nl payenentethos ngarachckr eld cashiers cackchene pan wein adlneue outtnpayment ay ed sheenon ha: ‘aia prymentfopononal acs, roray ce 1 an aioe eaenable send ona Se mtdoastu Tats, plement, agin lpr pyre tthe st zccounl rues on: renin elope bo 9 nl eel Tggureneals yeu 12 29 calter mailed jeaprenls ie ete "S247 aed ne eins ul section neha ee cote Pan ty ee afters ee ‘despane, enorme 2001222 ea 2 niUe, whichGyrayaunLnelude Maa T3508 ore feast is parry. 1 ais ‘ating: You evn ae v ory pa sua deleon his Stator! Intheayant tb 3a haeioara Ciel ises ThaMoilagToyo at iUieytsenstes iy 640 om Easterneos The2 ese (eT:BayPy By Prana 80300 pm (ET) Onle: By 6:00pm (El : Nee tnforoatfen ‘Tie (opsional). Flrst Name, Mt Last Name Soe. Sec, NO. ‘Street Adgress, Apt. Ho, RR, POBox City, Suto Zip Code Foreign Mep Code Home Phone, ‘Work Phone Emgul Adaress,4 Pane: Cr a ow) ATE, ‘TRANSACTION DESCRIPTIOMLOCATION oaez021 FAMILY DOLLAR 05654 WETHERSFIELO CT 148.34 ‘oaezo2t RESTAURANT DEPOT HARTFORD CT. 415.91 oatp2021 SLING.COM ‘egagas6210 CO a7 owe v202 LOWES nov6es" BLOOMFIELD’ OT 90291 oweveret LOWES rorses* BLOOMFIELD OT 1 91833 op2arzo2t DISNEYPLUS (288-0087888 CA 1 \ ‘8507 oaasi2021 WAL-MART #8035 HARTFORD CT 09.49 owe7izo21 8 WHOLESALE PUACHASE - WEST HARTFORD-OT - PRODUCE, FRESH MEAT, M/L 168.08 BASICS, CHILD APPAAL, B/s PURCHASE oaze/2021 WAL-MART #5095, BARTFORD oT 45,42 0929/2021, EBLENS -33 WETHERSFIELD CT 978,58 0973172021 APPLE.COMBRL 068-712-7753 CA 53.16 09/31/2021 ABC PIZZA HOUSE HARTFORO CT 19.60. Fees -ooroi/apat we ACCOUNT ASSURE 1886.208.9210 37.81 Total feos charged tor this period $97.61 Interest charged Interest charge on purchoses $0.00 tntorost charge on cash advanet $0.00 Interest charge on balance transier ‘$0.00 Total Interest for this porlod $0.00 2021 totals year to date jarged In 2021 ‘$37.81 Tole! interest charged In 2021 99.00 eee Sr ‘Your Annual Percentage Rato (APA) is tha annval interest rata an your account, See BALANCE COMPUTATION METHOD ‘on page 2 for more datalls. Minimum interes! charge ray exceed Interost charge bolow, por your erect card agreement, DU Purchases: PR (24.0000% (¥) Fonmencar nae 0.00 INTEAEaT CHARGE, 0.90 Cosh advances 28. £900% (¥) 0.00 0.00 inane =o Protecting your account from entine fraud It you'ra shopping online and are asked to verify your purchase by confirming the last four digits of your mobil phone number, this [s a security step wa've put in place on your behalf - ills safe to provide this Information. Once you confirm li, we will use the mabile phone number on file with your My Bu's Perks ‘Mastercard credit card account to send you a varilication code via fexl message. Important Reminder: tf you make a purchase with (his credit card using a promotional plan, the promotional plan expiration date and paymant due date may be different. This maans thal if you have any remaining promotional plan balance alter the promotional plan expiration date, the bafanca and any ‘accrued interest (if applicable), will mova to your regular revolving plan on the next billing statement. seorTvED) ’ 4S10400L O8179¢84 E350 aopeo4a00 ooo4eE4sL -PAGE 40F 6 Cerin eiman mtr) How to avoid or minimize Interest charges: Be sure fo pay any promotional pan balance in full on‘or before the plan expiration date shown in the “Details of your plans” section of your statem: Pleasealso keep an eye oul for notificationsof when your promotional pian(s) are nearing their expiration‘date—you'll see them in the red box on gage 1 of your statement. If you have questions, please call ustoll-free at 1-844-271-2535 (TOD/TTY:1-888-819-1918). To eam more about how promotional plans work,visit comentty.com/tin -education. We're always happy to halp.Affected by COVID-197 Comentty Capital Bank Offera SupportAs the bank thal manages your credit card, our hearts go oul to those aitected by the coronavirus{COVID-19) pandemic,The aupport we're extending to you. It you're expariancing financial hardship because of COVID-19,please call 1-844-271-2535 (TOD/TTY; 1-888-819-1918) to discuss how wa may be able to help.Account Center is available 24/7 for youto manage your My BJ's Perks Mastercard accountaniline. You can make payments and view your balance, transactions and statements oniine. Not yelregistered? Visit mybjsperks.com, enter your My BW's Perks Mastercard credit card account number end2IP code, then verily your Identity.‘We're looking out for yats. We remain locused on the health and well-being of our customers andassociates, and welll continue to stayon top of what's happening during the pandemic so we can bestSupport you.IMPORTANT INFORMATION ABOUT LATE FEE CREDITSWe may occasionally provide a credit for the amount, part or ail, of a late fee charged to your account. Ifwe do, wa.will chargea {ae of up to $40.00 for any subsequent late payment. in addition, we may reversethe credit and repost the charge to your account if you fail to make (he minimum payment due on orbefore tha dus date In the next billing period.“Eaming balance as of the statement period prior to statement receipt. Please refer to‘BJs.com/account/rewards lo gel your most accurate and up to date balance. This rewards program isprovided by BJ's Wholesale Club, Inc. and its terms may change at any time. For full Rewards Terms andConditions, plaasa see BJs.comparksterms and BJs,convierms,‘“*Authorized users are allowed ta purchase on your account; however, as the primary account holder,you are responsible for payments on ail purchases.‘Offer is exclusive to My Bu's Perks® Mastercard® Credit Card holders enrolled in the My B's Perks yaram. For offers associated wilh a specllic category, eamings will only be awarded if the merchantcode for the purchase matches a categary eligible for the offer, Each merchant is assignad a code by athird party that indicates the mat 'g area of business, Comenily Bank does not have the ebliity tocontrol assignment of merchant codes. This rewards pragram is provided by EN's Wholesale Club, Inc.and iis terms may change at any time. For full Rewards Tenms and Conditions, ase S88BUs.com/perksterms and BJs.corv/terms,20 ler is exclusive to My By's Parks® Mastercard® Credit Card holders ancolled in ine My Bu's Perks®program, Atcoholic beverages, cigarettes or tobacco-related products, toltery tickets, gift cards, propane,gasoline, B's Member Services {such as Bu's Auto Buying Program®, cellular phone services, BU'sOptical Department®, By's Travel®), purchases lhrough delivery.BJs.com, other purchases nol recordedthrough BJs.com or Club front-end registers, Global Sales transactions, or as posted at the MemberServices Desk are excluded. This rewards program is provided by By's Wholesale Club, Inc. and its terms.may change at any time, For full Rewards Terms and Conditions, please seo Bs.com/parksterms andBYs.conviarms. (cornu)eo PAGESOFSCredit card offers ara subject lo credil approval,Cash back Is in the form of elactronic Awards issued in $10 increments thal are used at chackou! at B'sand expire six months {rom the date issuad. Must contact BJ's Member Care at 800-BJS-CLUB toFequest cash back in the form o! a check prior to Award expiration, My Bu's Porke® Mastercard® Credit Card Accounts are Issuad by Comenity Capital Bank pursuant to a license from Mastorcard Intemational Incorporated, Mastercard and the Mastercard Brand Mark ara registered trademarks of Mastercard Intemational incorporated.Find out haw to shop safely online at onguardontino.govGO PAPERLESS and manage your account online!With paperioss billing, you receive an email reminder priorto your payment due date, Get started today byvisiting mybjsparks.comSTEP 1: Sign inor register your account, STEP 2: Select Go Papertess and sign up. Lock Your Card Instantly: Unlock It JustAs Fast, Lost, nilgplaced or statgn card? Sign jn io.Accotiit Center and lockit, preventing tinauthorized usage until. you locate or replace-your card,4§108001 OOL?9265 350 go0do4300 on04eb4s)sean PAQESOFeEXHIBITA BILL OF SALE Comenity Capital Bank (‘‘Seller”), for value received and pursuant to the terms and conditions of that certain Credit Card Account Purchase Agreement dated October 25, 2019 between Seller and Midland Credit Management, Inc. (“Purchaser”), its successors and assigns (“Credit Card Account Purchase Agreement”), hereby assigns effective as of the Closing Date of October 21, 2022 all rights, title and interest of Seller in and to those certain Accounts described in the Credit Card Account Purchase Agreement and Schedule I (the “Asset Schedule”) attached hereto and made part hereof for all purposes, to Purchaser. The information contained in the Sale File (collectively, “Seller's Accounts {nformation”) is true and complete as of the File Creation Date. Further, all of the information contained in Seller’s Accounts Information (a) constitutes Seller's own business records regarding the Accounts and (b) accurately reflects in all material respects the information about the Accounts in Seller's possession. All of Seller's Accounts Information has been kept in the regular course of Seller's business, and was made or compiled at or near the time of the event and recorded by (or from information transmitted by) a person (i) with knowledge of the data entered into and maintained in Seller's business records, or (ii) who caused the data to be entered into and maintained in Seller's business records. All capitalized terms used, but not defined, in this Bill of Sale. shall have the meanings assigned to su ch term in the Credit Card Account Purchase Agreement. .This Bill of Sale is executed without recourse except as stated in the Credit Card AccountPurchase Agreement to which this is an Exhibit. No other representation of or warranty oftitle or enforceability is expressed or implied.COMENITY CAPITAL BANK Midland Credit Management, Inc, CeBy: HS fk By? = 2, Date: 15/2023 _Title: Chief.Credit Officer Title VP of BD EXHIBIT BSCHEDULE 1 TO BILL OF SALE ASSET SCHEDULEThe individual Accounts transferred pursuant to the Credit Card Account Purchase Agreement andBill of Sale are described in the electronic file namedMCMG_CB_OCT_2022_DPL_CCB.TXT;MCMG_CB_OCT_2022_LCS_CCB.TXT and deliveredby Comenity Capital Bank to Midland Credit, Management, Inc. on October 17, 2022 andsummarized in the table immediately below (the “Sale File”), = =ae #of Chargedott Aagregate Unpaid Balance Percent Fite Creation Date Accounts , tl iovtaia 22 PPORTFOLIO LEVEL AFFIDAVIT OF SAL ERY ORIGINAL CRED) ITOR-STATE OF: UTAHCOUNTY OF: SALT LAKEOn’ Bruce A. Sweeten (“Affiant”) being duly swom, deposes and says; i Tam over 18 and I am the ef Credit ficer of Comenity Capital Bank (“Seller”). In that capacity and as part of my regular job duties, I have custody of certain business records of Seller, routinely review such business records, and am familiar with Seller’s processes for the sale and assignment of accounts and business records, including those that are maintained in electronic form. Seller owns certain accounts, and maintains and records information in the records as they relate to such accounts, 1 am authorized to make the statements and representations set forth in this affidavit on behalf of Seller. The statements set forth herein are true and correct to the best of my knowledge, information, and belief, based on either personal knowledge or review of the business records of the Seller. If called upon as a witness, I can testify competently to the facts contained herein. a: My regular job duties include having knowledge of, and access to, business records relating to the Accounts (as defined below), These records are kept by Seller in the regular course of business, and it was in the regular course of business of Seller, for.an employee or representative with personal knowledge of the act, event, condition, or opinion recorded to make memorandum or records or to transmit information thereof to be included in such * memorandum or records; and that the records were made at or near the time of the act and/or event recorded or reasonably soon thereafter, ‘On or about 10/21/2022, Seller sold a pool of charged-off accounts (the “Accounts”) by a Credit Card Account Purchase Agreement to Midland Credit Management, Inc. (“Buyer”). The original creditor at the time of charge-off was Comenity Capital Bank. Pursuant to the sale, Seller sold, transferred, assigned, conveyed, granted, bargained, set over and delivered to Buyer and its successors and assigns, good and marketable titfe to the Accounts and any unpaid balance free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest. 1 am not aware of any errors in the Accounts, In connection with the sale of the Accounts, electronic and other records were transferred to-or otherwise made available to the Buyer (the “Transferred Records”), The Transferred Records have been kept in the regular course of Seller’s business, and were made or compiled at or near the time of the event and recorded by (or from information transmitted by) a person (with knowledge of the data entered into and maintained in Seller’s business records, or (ii) who caused the data to be entered into and maintained in Seller’s business records. To the extent that the Transferred Records include records that were prepared by a third party, they are records that were incorporated into the records of Seller as a business record and the accuracy of such records are relied upon by Seller in the regular course of business.“¢7. I certify under penalty of perjury that the foregoing is true and correct.FURTHER AFFIANT SAYETH NOT.Signed this, l day, of December, 2022,BruceA. Sweeten (AFFIANT NAME)Comenity Capital BankSubscribed and sworn to before me Jennifer Pardue, on this 7 (date) day of December,,in the year 2022, by Bruce A. Sweeten, who Proved on the bis atisfactory evidence to be the‘person whose name is susoi in this docume be ip (Notary's Official Seal) jeriatane: ary Public - State of Utah ‘comm, ‘My Commission Expires onCERTIFICATE OF CONFORMITYSTATE OF UTAHCOUNTY OF SALT LAKEThe undersigned does hereby certify that she/he is an attorney at law duly admitted to practice inthe State of Utah and is a resident of Utah, County of Salt Lake, Utah; that she/he is a personduly qualified to make this certificate of conformity; that the foregoing acknowledgment byBruce A. Sweeten named in the foregoing instrument taken before Jennifer Pardue a notary inthe State of Utah duly conforms with the laws of the State of Utah, being the State in which itwas taken; and when executed by Mr. Sweeten in the manner indicated will qualify as a validand effective swom statement in such state.December 13, 2022Date Attomey at Law for the State of Utah451-BUWSIMPSFHRA—-TR1 Rate and Fee SummaryThis Rate and Fee Summary (Summary) Is part of the Credit Card Agreement (Agreement) for the My BJ's Perks® Mastorcard® orMy BV's Perks® Wortd Mastercard® Gredit Gard Account. Read it and keep it. Annual Percentage Rate (APR) for Purchases 27.24% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 26.99% APR for Cash Advances 29.24% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. !f you da not, you will not geta grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $2 per credit plan. For Credit Card Tips from the To learn more about factors to consider when applying for or Consumer Financial using a credit card, visit the website of the Consumer Financial Protection Bureau Protection Bureau at http:/Awww.consumerfinance.gov/leammore. ty Annual Fee None T Transaction Fees . Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is . Cash Advance greater. . Foreign Transaction Either $10 or 5% of the amount of each cash advance, whichever is greater. 3% of each transaction in U.S. dollars. Penalty Fees . Late Payment Up to $41 . Returned Payment Up to $41How We Will Caiculate Your Balance: We use a method called “daily balance (including currenttransactions).” Review your Agreement for more details.Billing Rights: Information on your rights to dispute transactions and how to exercise those rights isprovided in your Agreement.Now York Residents: Comenity Capital Bank - My BJ's Perks@ Mastercard; 1-855-269-1622, My BJ's Perks® World Mastercard: 1-844-275-2535 (TODITTY: 1-888-819-1918), Naw York Residents may contact the New York Stale Department of Financial Servicasby telephone or visit its website for free information on comparative credit card rates, fees, and grace periods, New York Departmentof Financial Services 1-800-342-3736 or www.dfs.ny.qov,Wisconsin Residents: If you are married, contact us upon receipt of this Agreement at the General phone number in the How toContact Us section below and give us your spouse's name and address,Print Date: This Summary was printed December 2023. The Information was. accufate as of that date but may have changed. To findout 

Related Contentin Hartford County