Preview
Filing # 138851545 E-Filed 11/18/2021 10:58:27 PM
IN THE COUNTY COURT IN AND FOR CHARLOTTE COUNTY, FLORIDA
SMALL CLAIMS DIVISION
VELOCITY INVESTMENTS LLC Case No.: 21002231SP
Plaintiff
v
ALLAN C LIGHTBOURN
Defendant(s)
STATEMENT OF CLAIM - ACCOUNT STATED
Plaintiff, VELOCITY INVESTMENTS LLC (‘Plaintiff’), hereby sues ALLAN C
LIGHTBOURN, Defendant(s) (“Defendants”) and alleges:
STATEMENT OF FACTS
1 This is an Account Stated action for damages that does not exceed $8,000.00, exclusive
of costs.
2. Defendant opened a credit account with BARCLAYS BANK DELAWARE, account
Hebe BA 3,
3. That Plaintiff is the assignee of this debt. See chain of title attached hereto and
incorporated herein by reference as if fully set forth verbatim.
4. Before the institution of this action, Plaintiff's predecessor-in-interest and Defendant had
business transactions between them and agreed to the resulting balance.
5, Plaintiffs predecessor-in-interest rendered a statement of account to defendant, a copy
being attached, and defendant did not object to the statement.
Defendant owes Plaintiff the sum of $5,330.49 for principal in connection with
Defendant's use of a credit card account.
Attached hereto is a Statement of Account referencing the current balance due and
account statements.
All conditions precedent to the filing of this statement of claim have been complied with
by Plaintiff.
WHEREFORE, Plaintiff demands judgment against Defendant in the sum of $5,330.49
for principal plus costs in connection with the collection thereof.
Respectfully submitted,
[efile 2 : #. FEN O18 LIB For.
Jonathan R Singer, Esq. (FBN 583529)
Richard Weissman, Esq. (FBN 817821)
Attorney at Law - Debt Collector
O&L Law Group, P.L.
110 W. Columbus Dr.
Tampa, Florida 33602
EMAIL: JSINGER@OLLAWGROUP.COM
Telephone: 866/503-8998, Fax: 813/315-6439
This communication is from a debt collector and is an attempt to collect a debt. Any
information obtained will be used for that purpose.
00026319
STATEMENT OF ACCOUNT
Name: ALLAN C LIGHTBOURN
Original Creditor: BARCLAYS BANK DELAWARE
Original Account Number: Heeaeeneneeed B43
Account Open Date: September 3, 2015
Last Payment Date: May 17, 2019
Principal Balance: $5,330.49
Total balance exclusive of costs: $5,330.49
00026319
MERCURY Page 1 of 4
Account Number XXXX XXXX XXXX 1643 ULE
July 29, 2020 - August 28, 2020 Previous Balance $5,330.49
Payments $0.00
=Smms=
g Glau uae Other Credits $0.00
Purchases and Adjustments $0.00
New Balance $5,330.49 Balance Transfers $0.00
Minimum Payment Due $5,330.49 Cash Advances $0.06
Fees Charged $0.00
Payment Due Date 09/25/2020
Interest Charged $0.00
New Balance $5,530.49
Stalement End Date August 26, 2020
Days in Billing Cycle 31
Past Due $5,330.49
Overtimit $1,080.49
Cee ea
Total Credit Line $0.00
Credit Line for Cash. $0.00
Total Available Credit $0.00
Available Credit for Cash $0.00
Previous Balance 4741
Eamed t 0
Redeemed 0
Other Adjustments 0
Current Balance 4,744
Pay Online, Mobile, Phone or Mail
[a Online
merouryeards.com
Mobile App
In your favertte
app store:
Phone
S6K-BH6-2158
Mail
PO BOX 7016:
Phitaxielphia PA 19176-0188
For correspondence. only: Customer Service, PO BOX 84064, Columbus GA 31908-1064
‘Piease tearat parforation and! make- payment payable to Card Serviens, SEE REVERSE FOR MPORTANT INFORMATION,
MERCURY Ascount Ending 1643
CARD SERVICES New Balance $5,330.49
PO BOX B4064
COLUMBUS GA 31908-4084 Minimum Payment Due $5,330.49
Payment Due Date 09/25/20
[Cc] Cneet nore trsany adaness changes ana
incfente any changes onvavense: Amount Enclosed
ALLAN C LIGHTBOURN SR CARD SERVICES
25218 ARGYLE g2an7a0 PO BOX 70168
PORT CHARLOTTE FL 33954-3447 To
PHILADELPHIA PA 19178-0768
072520 NE 0oo0533049 0533059 ooL4oo0 §
Page 2 of4
Allan C Lightbourn Sr Closing Date 08/28/2020
Payments: You may pay all or part of your Account balance, at eny time. However, you must pay at least the Minimum Payment Due by the Payment
Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing
number. if you are enrolled in automatic payments (AutoPay), we reserve the right to cancel enrollment without prior notice. Please do net send
post-dated checks as they will be deposited upan receipt. Late payments, partial payments or payments marked “payment in full” or with any other
restrictive endorsement can be accepted by us without losing any of our rights under your Cardmember Agreement. We may re-present to your
financial institution any payment that is returned unpaid. We may delay increasing your available credit by the amount of any payment that we receive
for up to 10 Business Days.
When Your Mailed Payment Will be Creclited. if we receive your mailed payment in proper form at the proper address by § p.m. Eastern Time, on a
Business Dey, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next Business Day IF
the payment due date falls on @ day when we do not receive or accept payments, the payment will not be treated as late if it is credited the next Business
Day. Business Day means Manday through Friday, excluding federal holidays. Allow at least7 days for payments by regular mail to reach us. There
may be a delay of up ta 5 days in crediting a payment we receive that is not in proper form or not sent to the correct address. The correct address for
regular mail is the ‘Payment to! address on the front of the payment coupon. The correct address for express mail is Lockbox Services, Box #70168,
400 White Clay Center Dr, Newark, DE 19711
Proper Form: Fora payment sent by regular or express mail, proper form is a single check or money order, in US. dollars, drawn on a U.S. institution,
with a single payment coupon from your billing statement. Include your name and the last four digits of your Account number. Unless sent by express
mail, please use the envelope we provided. No cash or foreign currency. No staples or paper clips, No extra pieces of paper.
Payment online, by phone or mobile: Payments made through our website, www.mercuryeards.com, through thephone number shown on the front
of your statement, or through our mobile app, and completed on a Business Day by midnight Eastern Time, will be credited as of that day. Otherwise, it
will be credited an the next Business Cay
Electronic Check Conversion: When you provide a check as payment on this Account, you authorize us to use information from your check to make a
‘one-time electronic fund transfer from your bank account or ta process the payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your bank account on the same day we receive your payment, and you will not receive
your check back from your financial institution
How to Avoid Paying Interest on Purchases: Your due date is at least 23 days after the close of each Billing Period. You will not be charged
interest on Purchases in a Billing Period in which you pay the New Balance in full by the Payment Due Date. if you don't pay your New Balance in full
by the Payment Due Date in a Billing Period. you'll pay interest on existing Purchases, and new Purchases in that billing period, from the date they post
to your Account, subject to applicable law. You will pay interest on Balance Transfers and Cash Advances from the date these Transactions post to
your Account.
How We Calculate Interest: We calculate interest separately for each different balance. Your billing statement shows each balance in the "Balance
‘Subject to Interest Rate.” We use the "Average Daily Balance Method (including Current Transactions) For each balance, to determine an average
daily balance, we start with the beginning balance each day. The beginning balance for the first day of the Billing Period is the balance at the end of the
prior Billing Period, Each day, we add any new transactions and fees; subtract any payments or credits applied to that balance; and make other
adjustments. We add Balance Transfer fees to the applicable Balance Transfer balance. We add Cash Advance Fees to the applicable Cash Advance
balance. We generally add other fees to the standard Purchase balance This gives us the daily balance. A credit balance is treated as a balance of
zero, Then, we add up all the balances of thet balance type fer the Billing Period, and divide the total by the number of days in the Billing Period, This
gives us the Average Daily Balance for the balance, Wwe multiply the applicable daily periodic rate by the Average Daily Balance by the number af days
in the Billing Period
\Varlabie rates: vary with the market based on the Prime Rate
Credit Reporting: Ve may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your
Account may be reflected in your oredit report. If you think we reported Inaccurate information to a credit bureau, write to us Card Services - Dispute.
Resolution, PO Box 84064, Columbus, GA 31908-4064.
Change of Address; |f the information on the front of this statement is incorrect, please provide updated information:
Name:
Address:
City: State: Zip:
Home Phone Work Phone Cell Phone
Number: Number: Number:
By giving us your mobile telephone number, we have your permission to contact you at that number regarding all accounts you have with us. Your consent
allows us to use text messaging, attificial or prerecorded voice messages and automatic dialing technology for informational and account service calls, but
not for telemarketing or sales calls. It may include calls trom companies working on our behalf to service your account. Message and data rates may apply.
You can change these preferences at anytime by contacting us.
Page 3 of4
Allan C Lightbourn Sr Closing Date 08/28/2020
Br eO ht Sra deine 2020).
08 =
Total Fees charged in 2020 $832.72
Total Interest charged in 2020 -$852.05
Lada Cee ena
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance Annual Percentage Balance Subject Interest Charge
Rate (APR) to interest Rate
Purchase 00% $0.00 $0.00
Balance Transfer 00% $0.00 $0.00
Cash Advance 0.00% $0.00 $0.00
Enroll in AutoPay to ensure your payment is made by the due date each month. Simply log in to www.mercurycards.com
and select Set Up AutoPay to enroil today.
Page 4 of4
Allan C Lightbourn Sr Closing Date 08/28/2020
How to Report a Lost or Stolen Card: Call the Contact Us number on the front of this statement.
What To DoIf You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064,
In your letter, give us the following information
. Account information: Your name and Account number.
. Dollar amount The dollar amount of the suspected error
. Desoription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errorsin writing at Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064,
While we investigate whether or not there has been anerror, the following are true
. \We cannot try to collect the amount in question, or report you as delinquent on that amount
. ‘The charge in question may remain on your statement, and we may continue to charge you interest on that amount. Bul, if we determine that we made
a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
. \While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
. We can apply any unpaid amount against your credit limit.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases.
if you are dissatisfied with the goods or services that you have purchased with yaur credit card, and you have tried in good faith to correct the problem with
the merchant, you may have the right not to pay the remaining amount due on the Purchase.
To use this right, all of the following must be true:
1 The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been
more than $50, (Note: Neither of these is necessary if your Purchase wes based on an advertisement we mailed to you, or if we own the company that
sold you the goods or services.)
2 You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a Check that accesses your credit
card Account do not qualify.
3 You must not yet have fully paid for the Purchase.
if all of the criteria above are met and you are stili dissatistied with the Purchase, contact usin writing at Card Services - Dispute Resolution, PO Box
84084, Columbus, GA, 34808-4064
While we investigate, the same rules apply to the disputed amount as discussed above, After
we finish our investigation, we will tell you our decision, At that
point, if we think you owe an amount and you do not pay we may report you as delinquent
Customer Service Address: Card Services, PO Box 84064, Columbus, GA 31908-4064
MERCURY Page
1 of 4
Account Number XXXX XXXX XXXX 1643
August 25, 2018
- September 24, 2019 Previous Balance P3527
Payments $0.00
al as et Other Credits. $0.00
Purchases and Adjustments $0.00
New Balance $4,882.09 Balance Transfers. $0.00
Minimum Payment Due $873.76 Cash Advances $0.00
=e Payment Due Date 10/21/2019 Fees Charged $37.00
Late Payment Warnit Interest Charged $109.82
If we da not receive your minimum payment by the date listed above, you may have New Balance $4,882.09
to pay alae fee up to $37 00. ‘Stalement End Date September 24, 2019
Days in Billing Cycle 1
tty make ony the misimun payment each period, you wil pay more in interest
and it will take you longer to pay off your balance. For exam Past Due 3679.59
ffyou make no You will pay off the
Overiimit $632.09
additional charges using Eaeies Aue on
“And you will end up.
this card ar paying an estimated
total of
month
you pay .. about... Total Credit Line $4,250.00
Only the Minimum Credit Line for Cash $850.00
Payment 23 years $13,552.00
Total Available Credit $0.00
‘f you would like information about credit counseling services, Available Credit for Cash $0.00
call 868-886-2158.
eeCall: ase.es6.2158 ‘Online: www.MERCURYCARDS.COM
Previous Balance
Eamed
Redeemed
+
i
1.741
Mail: CARD SERVICES, PO BOX 84064, COLUMBUS, Ga.21908-4084 Other Adjustments:
Current Balance: = 1744
Your account is now four payments past due. Find out how we can help at waw.mercurycards.com or by calling
(844)325-5884,
09/23 09/23 Late Fee $37.00
‘Total Fees for this Period $37.00
et __Pinase tear at perforation snd! make payinent payable w Card Serviews, SEE REVERSE FOR MPORTANTINFORMATION,_ Saheb Poe etait
MERCURY Account Ending 1643
CARD SERVICES New Balance $4,882.09
PO BOX 34064
COLUMBUS GA 31908-4064 Minimum Payment Due $873.76
Payment Due Date 1O2TA9
[Cheek are tor any snes enanges ane
inoSente any changes on reverse. Amount Enclosed
ALLAN C LIGHTBOURN SR CARD SERVICES.
25218 ARGYLE » oonsgs7 ‘Payment PO BOX 70188
PORT CHARLOTTE FL 33054-3447 To
PHILADELPHIA PA 19178-0768
12639 NN TOOREE 237s
Page 2 of4
Allan C Lightbourn Sr Closing Date 09/24/2019
Payments: You may pay all or part of your Account balance, at any time. However, you must pay at least the Minimum Payment Due by the Payment
Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing
number, Please do not send post-dated checks as they will be deposited upon receipt. Late payments, partial payments or payments marked “payment
in full’ or with any other restrictive endorsement can be accepted by us without losing any of our rights under your Card member Agreement, We may
re-present to your financial institution any payment that is returned unpaid. We may delay increasing your available credit by the amount of any payment
thet we receive for up to 10 Business Days.
When Your Payment Will be Credited. |f we receive your payment in proper form at the proper address by 5 p.m, Eastern Time, on a Business Day.
it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next Business Day. If the payment due
date falls on a day when we do not receive or accept payments, the payment will not be treated as late if it is credited the next Business Day. Business
Day means Monday through Friday, excluding federal holidays. Allow at least 7 cays for payments by regular mail to reach us, There may be a delay of
up to 5 days in crediting @ payment we receive that is not in proper form or not sent to the correct address. The correct address for regular mail is the
address on the front of the payment coupon. The correct acdress for express mail is Lockbox Services, Box #70168, 400 White Clay Center Dr,
Newark, DE 19711
Proper Form: For a payment sent by regular or express mail, proper form is a single check or money order, in US, dollars, drawn on @ U.S. institution,
with a single payment coupon from your billing statement. Include your name and the last four digits of your Account number. Unless sent by express
mail, please use the envelope we provided. No cash or foreign currency. No staples or paper clips. No extra pieces of paper
Payment by phone or website: Payments made through our website, wiw.mercurycards.com, or through the Contact Us phone number shown on
front of statement, and completed an a Business Day by midnight Eastern Time, will be credited as of that day. Otherwise, it will be credited on the next
Business Day.
Electronic Check Conversion: When you provide a check as payment on this Account, you authorize us to use information from your check to make a
‘one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your bank account on the same day we receive your payment, and you will not receive
your check back from your financial institution.
How to Avoid Paying Interest on Purchases: Your due date is at least 23 days after the close of each Billing Period. You will not be charged
interest on Purchases in a Billing Period in which you pay the New Balance in full by the Payment Due Date. If you dan't pay your New Balance in full
by the Payment Due Date in a Billing Period, you'll pay interest on existing Purchases, and new Purchases in that billing period, from the date they post
to your Account, subject to applicable law. You will pay interest on Balance Transfers and Cash Advances from the date these Transactions post to
your Account
How We Calculate Interest: We calculate interest separately for each different balance. Your billing statement shows each balance in the "Balance
‘Subject to Interest Rate.” We use the "Daily Balance Method (including Current Transactions).” For each balance, to determine a daily balance, we
start with the beginning balance each day. The beginning balance for the first day of the Billing Period is the balance at the end of the prior Billing
Period. Each day, we add any new transactions and fees; subtract any payments or credits applied to that balance; and make other adjustments. We
add Balance Transfer fees to the applicable Balance Transfer balance. We add Cash Advance Fees to the applicable Cash Advance balance. We
generally add other fees to the standard Purchase balance We add any interest caloulated on the previous day's balance. (This means interest is
compounded daily). A credit balance is treated as a balance af zero. This gives us the daily balance. WVe muttiply each daily balance by the applicable
daily periodic rate. We do this for each day in the billing period. The Balance Subject to Interest Rate is the average of the daily balances.
Variable rates: vary with the market based on the Prime Rate
Credit Reporting: Ye may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your
Account may be refiected in your credit report. If you think we reported inaccurate information to a credit bureau, write us at the Contact Us Address
shown on your statement and address it to Card Services - Dispute Resolution.
Change of Address; |f the information on the front of this statement is incorrect, please provide updated information:
Name:
Address:
City: State: Zip:
Home Phone Work Phone Cell Phone
Number: Number: Number:
By giving us your mobile telephone number, we have your permission to contact you at that number regarding all accounts you have with us. Your consent
allows us to use text messaging, attificial or prerecorded voice messages and automatic dialing technology for informational and account service calls, but
not for telemarketing or sales calls. It may include calls trom companies working on our behalf to service your account. Message and data rates may apply.
You can change these preferences at anytime by contacting us.
Page 3 of4
Allan C Lightbourn Sr Closing Date 0924/2019
sca ese
09/24 09/24 interest Charge-Purchases $101.7:
09/24 09/24 Interest Charge-Cash Advance $8.10
Total Interest for this Period $109.82
ee
Cee eae Aa
Total Fees charged in 2019 $147.00
Total Interest charged in 2019 $890.59
Bs age eae. mere ale)
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance Annual Percentage Balance Subject Interest Charge
Rate (APR) to Interest Rate
Purchase 26.99%(v) $4,440.20 $101.72
Balance Transfer 26.99%(v) $0.00 $0.00
Cash Advance 27.24% (v) $350.36 $8.10
(v) = variable rate
Enroil in AutoPay to ensure your payment is made by the due date each month. Simply log in to www.mercurycards.com
and select Set Up AutoPay to enroll today.
Page 4 of4
Allan C Lightbourn Sr Closing Date 09/24/2019
How to Report a Lost or Stolen Card: Call the Contact Us number an the front of this statement.
What To DoIf You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the Contact Us Address shown on your statement and address it to Card Services - Dispute
Resolution
In your letter, give us the following information:
. Account information: Your name and Account number.
. Dollar amount: The dollar amount of the suspected error.
. Description of problem: If you think there is an error on your bill, deseribe what you believe is wrong and why you believe it is a mistake
You must contact us within’ 60 days after the errer appeared on your statement.
You must notify us of any potential errorsin writing. You may call us, but if you do we are not required to investigate any potential errors and you may have
to pay the amount in question,
While we investigate whether or not there has been an error. the following are true
. We cannot try to collect the amount in question, or report you as delinquent on that amount.
. ‘The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made
a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
e While you do not have to pay the amount in question, you are responsible for the remainder of your balance
. \We can apply any unpaid amount against your credit limit
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with
the merchant, you may have the right not to pay the remaining amount due on the Purchase.
To use this right, all of the following must be true:
1 The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been
more than $50, (Note’ Neither of these is necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the Purchase, Purchases made with Cash Advances from an ATM or with a Check that accesses your credit
card Account do not qualify
3 You must not yet have fully paid for the Purchase
If all of the criteria above are met and you are still dissatisfied with the Purchase, contact usin writing at the Contact Us Address shown on your statement
and address it to Card Services - Dispute Resolution.
While we investigate, the same rules apply to the disputed amount as discussed above, After we finish our investigation, we will tell you our decision. At that
point, if we think you owe an amount and you do not pay we may report you as delinquent.
MERCURY Page
1 of 4
Account Number XXXX XXXX XXXX 1643
SSE September
25, 2019 - October
24, 2019 Previous Balance $4,882.09
= Y Payments 7 $0.00
as et Other Credits. 7 $0.00
al
Purchases and Adjustments 4 $0.00
New Balance $5,027.77 Balance Transfers. + $0.00
Minimum Payment Due $1,068.26 Cash Advances + $0.00
=e Fees Charged + $37.00
Payment Due Date 1124/2019
$108.68
Late Payment Warnit
If we da not receive your minimum payment by the date listed above, you may have
to pay alae fee up to $37 00.
aa ee
‘Stalement End Date October 24, 2019
Days in Billing Cycle
tty make ony the misimun payment each period, you wil pay more in interest
and it will take you longer to pay off your balance. For exam Past Due $873.76
ffyou make no You will pay off the
Overiimit STIT77
additional charges using Eaeies Aue on
“And you will end up.
this card ar paying an estimated
total of
month
you pay .. about... Total Credit Line $4,250.00
Only the Minimum Credit Line for Cash $850.00
Payment 23 years $13,504.00
Total Available Credit $0.00
‘f you would like information about credit counseling services, Available Credit for Cash $0.00
call 868-886-2158.
eeCall: ase.es6.2158 ‘Online: www.MERCURYCARDS.COM
Previous Balance
Eamed
Redeemed
+
i
1.741
0
0
Mail: CARD SERVICES, PO BOX 84064, COLUMBUS, Ga.21908-4084 Other Adjustments: 0
Current Balance: = 1744
Your account is now five payments past due. Log in to your account at www.mercurycards.com to choose a repayment
plan that fits your needs, or call us at (644)325-5884.
10/21 10/21 Late Fee $37.00
‘Total Fees for this Period $37.00
et __Pinase tear at perforation snd! make payinent payable w Card Serviews, SEE REVERSE FOR MPORTANTINFORMATION,_ Saheb Poe etait
MERCURY Account Ending 1643
CARD SERVICES New Balance $5,027.77
PO BOX 34064
COLUMBUS GA 31908-4064 Minimum Payment Due $1,068.26
Payment Due Date TH21A9
[Cheek are tor any snes enanges ane
inoSente any changes on reverse. Amount Enclosed
ALLAN C LIGHTBOURN SR CARD SERVICES.
25218 ARGYLE * g0a866S ‘Payment PO BOX 70188
PORT CHARLOTTE FL 33054-3447 To
PHILADELPHIA PA 19178-0768
‘T1219 OCORLDLaeL 8
Page 2 of4
Allan C Lightbourn Sr Closing Date 10/24/2019
Payments: You may pay all or part of your Account balance, at any time. However, you must pay at least the Minimum Payment Due by the Payment
Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing
number, Please do not send post-dated checks as they will be deposited upon receipt. Late payments, partial payments or payments marked “payment
in full’ or with any other restrictive endorsement can be accepted by us without losing any of our rights under your Card member Agreement, We may
re-present to your financial institution any payment that is returned unpaid. We may delay increasing your available credit by the amount of any payment
thet we receive for up to 10 Business Days.
When Your Payment Will be Credited. |f we receive your paym
Preview
Filing # 138851545 E-Filed 11/18/2021 10:58:27 PM IN THE COUNTY COURT IN AND FOR CHARLOTTE COUNTY, FLORIDA SMALL CLAIMS DIVISION VELOCITY INVESTMENTS LLC Case No.: 21002231SP Plaintiff v ALLAN C LIGHTBOURN Defendant(s) STATEMENT OF CLAIM - ACCOUNT STATED Plaintiff, VELOCITY INVESTMENTS LLC (‘Plaintiff’), hereby sues ALLAN C LIGHTBOURN, Defendant(s) (“Defendants”) and alleges: STATEMENT OF FACTS 1 This is an Account Stated action for damages that does not exceed $8,000.00, exclusive of costs. 2. Defendant opened a credit account with BARCLAYS BANK DELAWARE, account Hebe BA 3, 3. That Plaintiff is the assignee of this debt. See chain of title attached hereto and incorporated herein by reference as if fully set forth verbatim. 4. Before the institution of this action, Plaintiff's predecessor-in-interest and Defendant had business transactions between them and agreed to the resulting balance. 5, Plaintiffs predecessor-in-interest rendered a statement of account to defendant, a copy being attached, and defendant did not object to the statement. Defendant owes Plaintiff the sum of $5,330.49 for principal in connection with Defendant's use of a credit card account. Attached hereto is a Statement of Account referencing the current balance due and account statements. All conditions precedent to the filing of this statement of claim have been complied with by Plaintiff. WHEREFORE, Plaintiff demands judgment against Defendant in the sum of $5,330.49 for principal plus costs in connection with the collection thereof. Respectfully submitted, [efile 2 : #. FEN O18 LIB For. Jonathan R Singer, Esq. (FBN 583529) Richard Weissman, Esq. (FBN 817821) Attorney at Law - Debt Collector O&L Law Group, P.L. 110 W. Columbus Dr. Tampa, Florida 33602 EMAIL: JSINGER@OLLAWGROUP.COM Telephone: 866/503-8998, Fax: 813/315-6439 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 00026319 STATEMENT OF ACCOUNT Name: ALLAN C LIGHTBOURN Original Creditor: BARCLAYS BANK DELAWARE Original Account Number: Heeaeeneneeed B43 Account Open Date: September 3, 2015 Last Payment Date: May 17, 2019 Principal Balance: $5,330.49 Total balance exclusive of costs: $5,330.49 00026319 MERCURY Page 1 of 4 Account Number XXXX XXXX XXXX 1643 ULE July 29, 2020 - August 28, 2020 Previous Balance $5,330.49 Payments $0.00 =Smms= g Glau uae Other Credits $0.00 Purchases and Adjustments $0.00 New Balance $5,330.49 Balance Transfers $0.00 Minimum Payment Due $5,330.49 Cash Advances $0.06 Fees Charged $0.00 Payment Due Date 09/25/2020 Interest Charged $0.00 New Balance $5,530.49 Stalement End Date August 26, 2020 Days in Billing Cycle 31 Past Due $5,330.49 Overtimit $1,080.49 Cee ea Total Credit Line $0.00 Credit Line for Cash. $0.00 Total Available Credit $0.00 Available Credit for Cash $0.00 Previous Balance 4741 Eamed t 0 Redeemed 0 Other Adjustments 0 Current Balance 4,744 Pay Online, Mobile, Phone or Mail [a Online merouryeards.com Mobile App In your favertte app store: Phone S6K-BH6-2158 Mail PO BOX 7016: Phitaxielphia PA 19176-0188 For correspondence. only: Customer Service, PO BOX 84064, Columbus GA 31908-1064 ‘Piease tearat parforation and! make- payment payable to Card Serviens, SEE REVERSE FOR MPORTANT INFORMATION, MERCURY Ascount Ending 1643 CARD SERVICES New Balance $5,330.49 PO BOX B4064 COLUMBUS GA 31908-4084 Minimum Payment Due $5,330.49 Payment Due Date 09/25/20 [Cc] Cneet nore trsany adaness changes ana incfente any changes onvavense: Amount Enclosed ALLAN C LIGHTBOURN SR CARD SERVICES 25218 ARGYLE g2an7a0 PO BOX 70168 PORT CHARLOTTE FL 33954-3447 To PHILADELPHIA PA 19178-0768 072520 NE 0oo0533049 0533059 ooL4oo0 § Page 2 of4 Allan C Lightbourn Sr Closing Date 08/28/2020 Payments: You may pay all or part of your Account balance, at eny time. However, you must pay at least the Minimum Payment Due by the Payment Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing number. if you are enrolled in automatic payments (AutoPay), we reserve the right to cancel enrollment without prior notice. Please do net send post-dated checks as they will be deposited upan receipt. Late payments, partial payments or payments marked “payment in full” or with any other restrictive endorsement can be accepted by us without losing any of our rights under your Cardmember Agreement. We may re-present to your financial institution any payment that is returned unpaid. We may delay increasing your available credit by the amount of any payment that we receive for up to 10 Business Days. When Your Mailed Payment Will be Creclited. if we receive your mailed payment in proper form at the proper address by § p.m. Eastern Time, on a Business Dey, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next Business Day IF the payment due date falls on @ day when we do not receive or accept payments, the payment will not be treated as late if it is credited the next Business Day. Business Day means Manday through Friday, excluding federal holidays. Allow at least7 days for payments by regular mail to reach us. There may be a delay of up ta 5 days in crediting a payment we receive that is not in proper form or not sent to the correct address. The correct address for regular mail is the ‘Payment to! address on the front of the payment coupon. The correct address for express mail is Lockbox Services, Box #70168, 400 White Clay Center Dr, Newark, DE 19711 Proper Form: Fora payment sent by regular or express mail, proper form is a single check or money order, in US. dollars, drawn on a U.S. institution, with a single payment coupon from your billing statement. Include your name and the last four digits of your Account number. Unless sent by express mail, please use the envelope we provided. No cash or foreign currency. No staples or paper clips, No extra pieces of paper. Payment online, by phone or mobile: Payments made through our website, www.mercuryeards.com, through thephone number shown on the front of your statement, or through our mobile app, and completed on a Business Day by midnight Eastern Time, will be credited as of that day. Otherwise, it will be credited an the next Business Cay Electronic Check Conversion: When you provide a check as payment on this Account, you authorize us to use information from your check to make a ‘one-time electronic fund transfer from your bank account or ta process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account on the same day we receive your payment, and you will not receive your check back from your financial institution How to Avoid Paying Interest on Purchases: Your due date is at least 23 days after the close of each Billing Period. You will not be charged interest on Purchases in a Billing Period in which you pay the New Balance in full by the Payment Due Date. if you don't pay your New Balance in full by the Payment Due Date in a Billing Period. you'll pay interest on existing Purchases, and new Purchases in that billing period, from the date they post to your Account, subject to applicable law. You will pay interest on Balance Transfers and Cash Advances from the date these Transactions post to your Account. How We Calculate Interest: We calculate interest separately for each different balance. Your billing statement shows each balance in the "Balance ‘Subject to Interest Rate.” We use the "Average Daily Balance Method (including Current Transactions) For each balance, to determine an average daily balance, we start with the beginning balance each day. The beginning balance for the first day of the Billing Period is the balance at the end of the prior Billing Period, Each day, we add any new transactions and fees; subtract any payments or credits applied to that balance; and make other adjustments. We add Balance Transfer fees to the applicable Balance Transfer balance. We add Cash Advance Fees to the applicable Cash Advance balance. We generally add other fees to the standard Purchase balance This gives us the daily balance. A credit balance is treated as a balance of zero, Then, we add up all the balances of thet balance type fer the Billing Period, and divide the total by the number of days in the Billing Period, This gives us the Average Daily Balance for the balance, Wwe multiply the applicable daily periodic rate by the Average Daily Balance by the number af days in the Billing Period \Varlabie rates: vary with the market based on the Prime Rate Credit Reporting: Ve may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your oredit report. If you think we reported Inaccurate information to a credit bureau, write to us Card Services - Dispute. Resolution, PO Box 84064, Columbus, GA 31908-4064. Change of Address; |f the information on the front of this statement is incorrect, please provide updated information: Name: Address: City: State: Zip: Home Phone Work Phone Cell Phone Number: Number: Number: By giving us your mobile telephone number, we have your permission to contact you at that number regarding all accounts you have with us. Your consent allows us to use text messaging, attificial or prerecorded voice messages and automatic dialing technology for informational and account service calls, but not for telemarketing or sales calls. It may include calls trom companies working on our behalf to service your account. Message and data rates may apply. You can change these preferences at anytime by contacting us. Page 3 of4 Allan C Lightbourn Sr Closing Date 08/28/2020 Br eO ht Sra deine 2020). 08 = Total Fees charged in 2020 $832.72 Total Interest charged in 2020 -$852.05 Lada Cee ena Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) to interest Rate Purchase 00% $0.00 $0.00 Balance Transfer 00% $0.00 $0.00 Cash Advance 0.00% $0.00 $0.00 Enroll in AutoPay to ensure your payment is made by the due date each month. Simply log in to www.mercurycards.com and select Set Up AutoPay to enroil today. Page 4 of4 Allan C Lightbourn Sr Closing Date 08/28/2020 How to Report a Lost or Stolen Card: Call the Contact Us number on the front of this statement. What To DoIf You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064, In your letter, give us the following information . Account information: Your name and Account number. . Dollar amount The dollar amount of the suspected error . Desoription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errorsin writing at Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064, While we investigate whether or not there has been anerror, the following are true . \We cannot try to collect the amount in question, or report you as delinquent on that amount . ‘The charge in question may remain on your statement, and we may continue to charge you interest on that amount. Bul, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. . \While you do not have to pay the amount in question, you are responsible for the remainder of your balance. . We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. if you are dissatisfied with the goods or services that you have purchased with yaur credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must be true: 1 The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been more than $50, (Note: Neither of these is necessary if your Purchase wes based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2 You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a Check that accesses your credit card Account do not qualify. 3 You must not yet have fully paid for the Purchase. if all of the criteria above are met and you are stili dissatistied with the Purchase, contact usin writing at Card Services - Dispute Resolution, PO Box 84084, Columbus, GA, 34808-4064 While we investigate, the same rules apply to the disputed amount as discussed above, After we finish our investigation, we will tell you our decision, At that point, if we think you owe an amount and you do not pay we may report you as delinquent Customer Service Address: Card Services, PO Box 84064, Columbus, GA 31908-4064 MERCURY Page 1 of 4 Account Number XXXX XXXX XXXX 1643 August 25, 2018 - September 24, 2019 Previous Balance P3527 Payments $0.00 al as et Other Credits. $0.00 Purchases and Adjustments $0.00 New Balance $4,882.09 Balance Transfers. $0.00 Minimum Payment Due $873.76 Cash Advances $0.00 =e Payment Due Date 10/21/2019 Fees Charged $37.00 Late Payment Warnit Interest Charged $109.82 If we da not receive your minimum payment by the date listed above, you may have New Balance $4,882.09 to pay alae fee up to $37 00. ‘Stalement End Date September 24, 2019 Days in Billing Cycle 1 tty make ony the misimun payment each period, you wil pay more in interest and it will take you longer to pay off your balance. For exam Past Due 3679.59 ffyou make no You will pay off the Overiimit $632.09 additional charges using Eaeies Aue on “And you will end up. this card ar paying an estimated total of month you pay .. about... Total Credit Line $4,250.00 Only the Minimum Credit Line for Cash $850.00 Payment 23 years $13,552.00 Total Available Credit $0.00 ‘f you would like information about credit counseling services, Available Credit for Cash $0.00 call 868-886-2158. eeCall: ase.es6.2158 ‘Online: www.MERCURYCARDS.COM Previous Balance Eamed Redeemed + i 1.741 Mail: CARD SERVICES, PO BOX 84064, COLUMBUS, Ga.21908-4084 Other Adjustments: Current Balance: = 1744 Your account is now four payments past due. Find out how we can help at waw.mercurycards.com or by calling (844)325-5884, 09/23 09/23 Late Fee $37.00 ‘Total Fees for this Period $37.00 et __Pinase tear at perforation snd! make payinent payable w Card Serviews, SEE REVERSE FOR MPORTANTINFORMATION,_ Saheb Poe etait MERCURY Account Ending 1643 CARD SERVICES New Balance $4,882.09 PO BOX 34064 COLUMBUS GA 31908-4064 Minimum Payment Due $873.76 Payment Due Date 1O2TA9 [Cheek are tor any snes enanges ane inoSente any changes on reverse. Amount Enclosed ALLAN C LIGHTBOURN SR CARD SERVICES. 25218 ARGYLE » oonsgs7 ‘Payment PO BOX 70188 PORT CHARLOTTE FL 33054-3447 To PHILADELPHIA PA 19178-0768 12639 NN TOOREE 237s Page 2 of4 Allan C Lightbourn Sr Closing Date 09/24/2019 Payments: You may pay all or part of your Account balance, at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing number, Please do not send post-dated checks as they will be deposited upon receipt. Late payments, partial payments or payments marked “payment in full’ or with any other restrictive endorsement can be accepted by us without losing any of our rights under your Card member Agreement, We may re-present to your financial institution any payment that is returned unpaid. We may delay increasing your available credit by the amount of any payment thet we receive for up to 10 Business Days. When Your Payment Will be Credited. |f we receive your payment in proper form at the proper address by 5 p.m, Eastern Time, on a Business Day. it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next Business Day. If the payment due date falls on a day when we do not receive or accept payments, the payment will not be treated as late if it is credited the next Business Day. Business Day means Monday through Friday, excluding federal holidays. Allow at least 7 cays for payments by regular mail to reach us, There may be a delay of up to 5 days in crediting @ payment we receive that is not in proper form or not sent to the correct address. The correct address for regular mail is the address on the front of the payment coupon. The correct acdress for express mail is Lockbox Services, Box #70168, 400 White Clay Center Dr, Newark, DE 19711 Proper Form: For a payment sent by regular or express mail, proper form is a single check or money order, in US, dollars, drawn on @ U.S. institution, with a single payment coupon from your billing statement. Include your name and the last four digits of your Account number. Unless sent by express mail, please use the envelope we provided. No cash or foreign currency. No staples or paper clips. No extra pieces of paper Payment by phone or website: Payments made through our website, wiw.mercurycards.com, or through the Contact Us phone number shown on front of statement, and completed an a Business Day by midnight Eastern Time, will be credited as of that day. Otherwise, it will be credited on the next Business Day. Electronic Check Conversion: When you provide a check as payment on this Account, you authorize us to use information from your check to make a ‘one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account on the same day we receive your payment, and you will not receive your check back from your financial institution. How to Avoid Paying Interest on Purchases: Your due date is at least 23 days after the close of each Billing Period. You will not be charged interest on Purchases in a Billing Period in which you pay the New Balance in full by the Payment Due Date. If you dan't pay your New Balance in full by the Payment Due Date in a Billing Period, you'll pay interest on existing Purchases, and new Purchases in that billing period, from the date they post to your Account, subject to applicable law. You will pay interest on Balance Transfers and Cash Advances from the date these Transactions post to your Account How We Calculate Interest: We calculate interest separately for each different balance. Your billing statement shows each balance in the "Balance ‘Subject to Interest Rate.” We use the "Daily Balance Method (including Current Transactions).” For each balance, to determine a daily balance, we start with the beginning balance each day. The beginning balance for the first day of the Billing Period is the balance at the end of the prior Billing Period. Each day, we add any new transactions and fees; subtract any payments or credits applied to that balance; and make other adjustments. We add Balance Transfer fees to the applicable Balance Transfer balance. We add Cash Advance Fees to the applicable Cash Advance balance. We generally add other fees to the standard Purchase balance We add any interest caloulated on the previous day's balance. (This means interest is compounded daily). A credit balance is treated as a balance af zero. This gives us the daily balance. WVe muttiply each daily balance by the applicable daily periodic rate. We do this for each day in the billing period. The Balance Subject to Interest Rate is the average of the daily balances. Variable rates: vary with the market based on the Prime Rate Credit Reporting: Ye may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be refiected in your credit report. If you think we reported inaccurate information to a credit bureau, write us at the Contact Us Address shown on your statement and address it to Card Services - Dispute Resolution. Change of Address; |f the information on the front of this statement is incorrect, please provide updated information: Name: Address: City: State: Zip: Home Phone Work Phone Cell Phone Number: Number: Number: By giving us your mobile telephone number, we have your permission to contact you at that number regarding all accounts you have with us. Your consent allows us to use text messaging, attificial or prerecorded voice messages and automatic dialing technology for informational and account service calls, but not for telemarketing or sales calls. It may include calls trom companies working on our behalf to service your account. Message and data rates may apply. You can change these preferences at anytime by contacting us. Page 3 of4 Allan C Lightbourn Sr Closing Date 0924/2019 sca ese 09/24 09/24 interest Charge-Purchases $101.7: 09/24 09/24 Interest Charge-Cash Advance $8.10 Total Interest for this Period $109.82 ee Cee eae Aa Total Fees charged in 2019 $147.00 Total Interest charged in 2019 $890.59 Bs age eae. mere ale) Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) to Interest Rate Purchase 26.99%(v) $4,440.20 $101.72 Balance Transfer 26.99%(v) $0.00 $0.00 Cash Advance 27.24% (v) $350.36 $8.10 (v) = variable rate Enroil in AutoPay to ensure your payment is made by the due date each month. Simply log in to www.mercurycards.com and select Set Up AutoPay to enroll today. Page 4 of4 Allan C Lightbourn Sr Closing Date 09/24/2019 How to Report a Lost or Stolen Card: Call the Contact Us number an the front of this statement. What To DoIf You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at the Contact Us Address shown on your statement and address it to Card Services - Dispute Resolution In your letter, give us the following information: . Account information: Your name and Account number. . Dollar amount: The dollar amount of the suspected error. . Description of problem: If you think there is an error on your bill, deseribe what you believe is wrong and why you believe it is a mistake You must contact us within’ 60 days after the errer appeared on your statement. You must notify us of any potential errorsin writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question, While we investigate whether or not there has been an error. the following are true . We cannot try to collect the amount in question, or report you as delinquent on that amount. . ‘The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. e While you do not have to pay the amount in question, you are responsible for the remainder of your balance . \We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must be true: 1 The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been more than $50, (Note’ Neither of these is necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the Purchase, Purchases made with Cash Advances from an ATM or with a Check that accesses your credit card Account do not qualify 3 You must not yet have fully paid for the Purchase If all of the criteria above are met and you are still dissatisfied with the Purchase, contact usin writing at the Contact Us Address shown on your statement and address it to Card Services - Dispute Resolution. While we investigate, the same rules apply to the disputed amount as discussed above, After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. MERCURY Page 1 of 4 Account Number XXXX XXXX XXXX 1643 SSE September 25, 2019 - October 24, 2019 Previous Balance $4,882.09 = Y Payments 7 $0.00 as et Other Credits. 7 $0.00 al Purchases and Adjustments 4 $0.00 New Balance $5,027.77 Balance Transfers. + $0.00 Minimum Payment Due $1,068.26 Cash Advances + $0.00 =e Fees Charged + $37.00 Payment Due Date 1124/2019 $108.68 Late Payment Warnit If we da not receive your minimum payment by the date listed above, you may have to pay alae fee up to $37 00. aa ee ‘Stalement End Date October 24, 2019 Days in Billing Cycle tty make ony the misimun payment each period, you wil pay more in interest and it will take you longer to pay off your balance. For exam Past Due $873.76 ffyou make no You will pay off the Overiimit STIT77 additional charges using Eaeies Aue on “And you will end up. this card ar paying an estimated total of month you pay .. about... Total Credit Line $4,250.00 Only the Minimum Credit Line for Cash $850.00 Payment 23 years $13,504.00 Total Available Credit $0.00 ‘f you would like information about credit counseling services, Available Credit for Cash $0.00 call 868-886-2158. eeCall: ase.es6.2158 ‘Online: www.MERCURYCARDS.COM Previous Balance Eamed Redeemed + i 1.741 0 0 Mail: CARD SERVICES, PO BOX 84064, COLUMBUS, Ga.21908-4084 Other Adjustments: 0 Current Balance: = 1744 Your account is now five payments past due. Log in to your account at www.mercurycards.com to choose a repayment plan that fits your needs, or call us at (644)325-5884. 10/21 10/21 Late Fee $37.00 ‘Total Fees for this Period $37.00 et __Pinase tear at perforation snd! make payinent payable w Card Serviews, SEE REVERSE FOR MPORTANTINFORMATION,_ Saheb Poe etait MERCURY Account Ending 1643 CARD SERVICES New Balance $5,027.77 PO BOX 34064 COLUMBUS GA 31908-4064 Minimum Payment Due $1,068.26 Payment Due Date TH21A9 [Cheek are tor any snes enanges ane inoSente any changes on reverse. Amount Enclosed ALLAN C LIGHTBOURN SR CARD SERVICES. 25218 ARGYLE * g0a866S ‘Payment PO BOX 70188 PORT CHARLOTTE FL 33054-3447 To PHILADELPHIA PA 19178-0768 ‘T1219 OCORLDLaeL 8 Page 2 of4 Allan C Lightbourn Sr Closing Date 10/24/2019 Payments: You may pay all or part of your Account balance, at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing number, Please do not send post-dated checks as they will be deposited upon receipt. Late payments, partial payments or payments marked “payment in full’ or with any other restrictive endorsement can be accepted by us without losing any of our rights under your Card member Agreement, We may re-present to your financial institution any payment that is returned unpaid. We may delay increasing your available credit by the amount of any payment thet we receive for up to 10 Business Days. When Your Payment Will be Credited. |f we receive your paym