FILED: MONTGOMERY COUNTY CLERK 04/18/2022 02:19 PM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-8
`
`RECEIVED NYSCEF: 04/18/2022
`
`SUPREME
`
`COUNTY
`
`COURT OF THE STATE
`OF MONTGOMERY
`
`OF NEW YORK
`
`------------------------------------------------------X
`
`Index
`
`No.
`
`E F2022-008
`
`JEFFERSON
`
`CAPITAL
`
`SYSTEMS,
`
`LLC
`
`-against-
`
`MELISSA
`
`MOAK,
`
`Plaintiff
`
`Defendant
`
`AFFIDAVIT
`AND SALE
`
`OF FACTS
`OF ACCOUNT
`
`BY ORIGINAL
`
`CREDITOR
`
`------------------------------------------------------X
`
`Account
`
`No.
`
`Ending
`
`in 9800
`
`PLEASE
`
`TAKE
`
`NOTICE
`
`attached
`
`please
`
`find
`
`the
`
`Affidavit
`
`of
`
`Facts
`
`and
`
`Sale
`
`of
`
`Account
`
`by WEBBANK.
`
`1 of 9
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 04/18/2022 02:19 PM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-8
`
`RECEIVED NYSCEF: 04/18/2022
`
`AFFIDAVIT
`OF ACCOUNT
`
`OF FACTS
`BY ORIGINAL
`
`AND SALE
`CREDITOR
`
`ss.:
`
`) )
`
`)
`
`STATE
`
`OF MINNESOTA
`
`COUNTY
`
`OF HENNEPIN
`
`The
`
`undersigned,
`
`being
`
`duly
`
`swom,
`
`deposes
`
`and says:
`
`1.
`
`WebBank
`hereto.
`
`including
`charged-off
`this
`
`I am an employee
`of Bluestem
`Inc.
`Brands,
`attorney-in-fact
`for
`("Bluestem"),
`("Original
`under
`the limited
`power
`of attorney
`Creditor")
`reproduced
`as an exhibit
`I have
`personal
`of and access
`knowledge
`to the books
`and records
`("Business
`Records"),
`electronic
`maintained
`by Bluestem
`for Original
`records,
`Creditor
`to a pool
`of
`relating
`consumer
`credit
`accounts
`sold
`or assigned
`by WebBank
`to Bluestem
`Inc.
`(in
`Brands,
`the "Debt
`capacity,
`on March
`2020
`(the
`Buyer"),
`which
`268,
`included
`"Sale"),
`the accounts
`of
`the consumers
`("Accounts")
`identified
`in the exhibits
`("Consumers")
`attached
`hereto
`and
`incorporated
`herein.
`As part
`of
`the Sale, Original
`Creditor
`all of
`assigned
`its interest
`in the
`of prior
`Accounts,
`the right
`including,
`to any proceeds
`by way
`transfer,
`from the Accounts,
`to
`Debt
`and it
`transferred
`of Business
`Buyer,
`Records
`to the Accounts
`ownership
`to Debt
`relating
`Buyer. A true
`and correct
`of
`the bill
`of sale or written
`assignment
`copy
`of
`the Account
`is
`attached
`as an exhibit
`to this
`affidavit.
`
`knowledge
`
`for
`
`In my position,
`2.
`I also have
`personal
`of Bluestem's
`procedures
`creating
`and maintaining
`Business
`Records
`for Original
`procedures
`to the sale
`Creditor,
`including
`relating
`and assignment
`of consumer
`credit
`accounts.
`The Business
`Records
`were made
`in the regular
`course
`of business
`and it was
`the regular
`of such business
`course
`to make
`the Business
`Records.
`The Business
`Records
`were made
`at or near
`the time
`of
`the events
`recorded.
`Based
`on my
`knowledge
`of Original
`Creditor's
`Business
`as maintained
`Records
`I have
`personal
`knowledge
`the facts
`of
`set
`forth
`in this
`affidavit.
`
`by Bluestem,
`
`3. Original
`and Consumers
`Creditor
`were
`to credit
`parties
`agreements
`("Agreements")
`in the exhibits
`indicated
`hereto.
`Each Consumer
`to pay Original
`agreed
`Creditor
`for all goods,
`services
`and cash
`advances
`provided
`pursuant
`to the relevant
`date and the
`Agreement.
`The
`amount
`of
`the last payment,
`if any, made
`by each Consumer
`are set
`in the exhibits
`forth
`attached
`and made
`hereto
`a part
`hereof.
`Each Consumer
`defaulted
`and a demand
`for payment
`was made
`on behalf
`by Bluestem
`of Original
`Creditor.
`
`as
`
`4. At
`the time
`of Sale,
`and made
`a part
`hereof,
`of
`the Account
`number;
`the last payment,
`of
`and post-charge-of
`
`the Consumers
`owed
`which
`set
`also
`forth
`the date
`and amount
`if any;
`the total
`T fees and charges;
`
`the amounts
`set
`forth
`in the exhibits
`attached
`the name
`of each Consumer;
`the last
`four
`of
`the charge-off
`the date and
`balance;
`if applicable,
`of any post-charge-off
`amounts,
`any post-charge-off
`credits
`or payments
`
`made
`
`by
`
`hereto
`digits
`amount
`interest
`
`1053
`
`2 of 9
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 04/18/2022 02:19 PM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-8
`
`RECEIVED NYSCEF: 04/18/2022
`
`or on behalf
`of such Consumer;
`are tme
`and correct
`to the best
`
`and the balance
`of my personal
`
`due at
`knowledge.
`
`the time
`
`of
`
`the Sale. The
`
`above
`
`statements
`
`hilip
`
`Ott
`
`.
`
`- -
`9 AMY ELIZABETH ANDING
`
`Notary Public
`State of Minnesote
`My Commission Expires
`January 31, 2023
`
`to before me this
`Sworn
`168"
`2020.
`day of April
`
`'
`
`.
`
`Notaghb)blic
`
`1053
`
`2
`
`3 of 9
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 04/18/2022 02:19 PM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-8
`
`RECEIVED NYSCEF: 04/18/2022
`
`.
`
`Affidavit
`
`of Facts and Sale of Account
`
`- Blanket Affidavit
`
`- JCAP
`
`CERTIFICATE
`
`OF CONFORMITY
`
`STATE OF MINNFEOTA
`COUNTY OF HENNEPIN
`
`in the State
`to practice
`is an attorney
`that he/she
`does hereby
`law duly admitted
`at
`The undersigned
`certify
`that he/she
`is a person duly
`of Minnesota,
`of Hennepin
`in the State of Minnesota;
`and is a resident
`county,
`of conformity
`the State of Minnesota;
`the
`to make
`pursuant
`of
`to the laws
`that
`certificate
`qualified
`this
`a
`acknowledgment
`by Philip Ott named
`in the foregoing
`taken
`before Amy Anding
`instrument
`foregoing
`prescribed
`on April
`16, 2020 in the manner
`by such laws of
`the
`in the State of Minnesota
`was taken
`notary
`it was taken;
`and that
`State of Minnesota,
`the State in which
`it duly
`with
`such laws and is
`conforms
`being
`in all
`respects
`valid
`and effective
`in such state.
`
`Date
`
`d T.
`
`Har
`Attorney
`
`Licensed
`
`DI
`to Practice
`
`in the State of Minnesota
`
`1053
`
`4 of 9
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 04/18/2022 02:19 PM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-8
`
`RECEIVED NYSCEF: 04/18/2022
`
`LIMITEÓ
`
`POWER
`
`OF ATTORNEY
`
`November
`
`15., 2018
`
`KNOW ALL
`
`PERSONS
`
`Bx THÉSE
`
`PRESEN S
`
`that3
`
`industrial.bank
`Utah-chartered
`headquartered
`an FDIC-insured,
`WHEREAS,
`WebBank,
`in Salt Lake City, Utah,
`aád commercial
`customized
`consumer
`provides
`solutions
`financing
`ef closed-end
`and revolying
`basis. WebBank
`is a lehding
`provider
`nationwide
`private
`label
`card financing
`and,
`
`programs;
`
`ban7
`
`on a
`ánd.
`
`under
`WHEREAS,
`the private
`offers
`WebBank
`(the "Program")
`brands
`Bhtestem's
`custoiners,
`
`standing
`label
`
`with Blùestem
`agreemënts
`Brands,
`Fingerhut
`for Bluestett's
`credit
`progratn
`credit
`and revolving
`installment
`accounts
`by making
`of merchandise
`the finanding
`fo.r
`ftom Bluestem;
`and,
`
`Inc.
`
`(ABluestear'),
`and Gettington
`to
`available
`
`coni
`
`WHEREAS,
`froin. WebBank,
`
`when
`
`typicalfy
`
`accounts
`for on-sale
`
`in the Program
`to.third
`parties;
`
`are charged
`and,
`
`offrBruestern
`
`purchases
`
`them
`
`agreements
`
`and
`
`the
`
`Courts)
`
`with
`in the Emgram
`enter
`consumers
`while
`in.to -a(cid:11)count
`WHEREAS,
`and all
`credit
`ate
`with
`customers
`all
`obtain
`interactions
`from WebBank,
`retordkeeping
`that WebBank
`the consequenc,e
`perfoimed
`staff
`with
`for WebBank
`do not have
`by Bluestem,
`required
`pursuánt
`tp UFif.
`affidavits
`to prepare
`the pezsonal-knowledge
`R...202.27-a
`ability
`(Supreme
`R. 20834-a
`(New toric
`Ofty Civil
`Courts;).; Unif.
`and the County
`Unif.
`Coutt);
`R. 210.14,a
`Uni£ R. 21234-a
`of New York)
`outside
`@istrict
`the City
`(City Courts
`the *New
`Affidavit
`York
`Rules");
`
`(collectively,
`
`WebBank
`ORE,.premises
`and
`constitutes
`THEREF
`NOW,
`considered.,
`hereby makesi
`to include
`aggot
`and lawful
`in affidavits
`and attorney-intact
`as its tme
`appoiritíBluestem
`, from
`in New York
`to time
`opened
`lime
`ànd sold by
`for
`borroweYs
`in connection
`accöunts
`with
`residing
`plane
`B1nestem to a Debt B.iayer,
`in the name,
`and stead
`of WebBank,
`truthfht,
`complete,
`correct,
`to the New Yor7Mdavit
`purstiant
`required
`inÈðnnation
`and e2pressly
`Vules. WebBank
`further
`and power
`to do and perfoun
`.grants
`unto
`such attorney-in-fact
`any and all acts
`full
`authority
`granted
`or ibcidehtto
`the execution
`the·powers
`in the-preceding
`sentence,.
`of
`expressly
`necessáry
`caute
`to be do1ie,
`itself
`Limited
`f
`.as WebBank
`agents might
`or could
`dò,.or
`This
`Pnwer
`orits
`powers
`not be constmed
`to,.provide
`than
`does not, and shall
`any other
`or
`rights
`other
`Attoiney
`to take the specific
`set
`forth
`in this
`paragraph.
`Limited
`power
`actions
`the limited
`This
`of attorney
`at any time
`by WebBank.
`WebBañk's
`of
`Power
`of Attorney
`be.revoked
`this
`granting
`may
`be deemed
`to be part
`the."Progrant
`in the
`as defined
`Liniited
`Power
`shall
`of Atttiniey
`of
`and the other.parties
`18, 2013. aniofig WebBanky
`Agreement
`of April
`Program
`date(cid:15)as
`Bluestein
`to, time).
`or otherwise
`modified
`from time
`Limited
`thereto
`This
`Power
`(äs amended,.restated,
`
`of
`
`5 of 9
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 04/18/2022 02:19 PM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-8
`
`RECEIVED NYSCEF: 04/18/2022
`
`Attorney
`conflict
`
`shall
`laws
`of
`
`be governed
`rules
`thereof.
`
`by the laws
`
`of
`
`the State of New York
`
`without
`
`giving
`
`effect
`
`to the
`
`IN WITNESS
`executed
`as of
`
`WHEREOF,
`the date first
`
`WebBank
`above written.
`
`duly
`
`has caused
`
`this
`
`Limited
`
`Power
`
`of Attorney
`
`to be
`
`WEBBANK
`
`By:
`
`St ve St
`rd
`Chie
`mancial
`
`Officer
`
`ss.:
`
`) )
`
`)
`
`STATE
`
`OF UTAH
`
`COUNTY
`
`OF SALT
`
`LAKE
`
`day of NW*ÆJV,
`that on this
`BE IT REMEMBERED,
`came Steve
`and State,
`in and for
`said County
`Stanford,
`Public,
`Notary
`and duly
`be the same person who
`executed
`the foregoing
`instrument,
`of, and as the act and deed
`execution
`the same,
`for and on behalf
`of
`
`before me, a
`2018,
`to me personally
`known
`acknowledged
`of said entity.
`
`the
`
`to
`
`IN WITNESS
`the day and year
`
`seal
`
`I have
`WHEREOF,
`last above written.
`
`hereunto
`
`subscribed
`
`my name
`
`and affixed
`
`my official
`
`My Commission
`
`Expires:
`
`\0o
`
`MO
`
`Notary
`
`Public
`
`9 JARED E MCMUWN
`
`Notary Puche - State of Utah
`Comm. No. 691107
`My CommissionExpires on
`Oct4. 2020
`
`2
`
`6 of 9
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 04/18/2022 02:19 PM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-8
`
`RECEIVED NYSCEF: 04/18/2022
`
`CATE OF
`
`STATEOF
`UTAE
`COUNTYOFETLAKB
`
`Since of Utah; ant be/âTie is a ¾ ¾
`
`fawdu1yedesiteinitosisasiticaintlestage
`
`Untings 884 doeshataby
`eiftifyestfie/sheiuransitorneyat
`is a emirimie of
`ofUtahairid
`timeCount y of Salt
`I,41ør, ht¦
`quardiedtomakeelseartificalecreesfoapitypasu
`àntto the laws ofthe StareefUlsh;thanes
`Of
`hþe
`in$trtitnent
`tailcBR
`was takenintemanner
`3mte onBsh,beingtheSta
`prescribedbysch
`lawsof4e
`twastaken;andthetit44ydoaibrmswithsuchlawsandisinallawpectnvalidandeflectissiesatcit.sh
`
`staimaroth
`
`foregaing
`4 nodary. L 855
`&ehich
`
`at låw
`Anorney
`Wiley Wilden
`
`.
`
`. inIIneState.
`
`Usuih
`
`7 of 9
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 04/18/2022 02:19 PM
`NYSCEF DOC. NO. 6
`DocuSign Envelope ID: OA322453-512D-4F63-81 C3-A23CD1 1DO2BB
`
`INDEX NO. EF2022-8
`
`RECEIVED NYSCEF: 04/18/2022
`
`FINGERHUT
`
`SCUSA RECEIVABLES
`
`FORWARD
`
`FLOW - JCAP
`
`AFFIDAVIT
`
`OF SALE OF ACCOUNTS
`
`EXHIBIT
`BY ORIOINAL
`
`D
`
`CREDITOR OR ACQUIRER (WEBBANK)
`
`STATE OF UTAH
`COUNTY OF SALT LAKE
`
`Jon Sargent, being duly swom, deposes and says:
`
`I am over 18 and not a party, nor employed by a party,
`Capital Systems LLC.
`I am Controller of WebBank.
`of electronically
`stored business records.
`2. WebBank
`and record certain
`its servicer, Bluestem Brands,
`owned certain accounts and instructed
`to maintain
`Inc.,
`I am authorized to make the statements and sepmsentations set
`information
`in the records as they relate to such accounts.
`forth in this affidavit
`on behalf of WebBank.
`The statements set forth herein are true and correct based on my personal
`knowledge, my review of the business records of WebBank, or representations made by Bluestem Brands,
`Inc.
`3. My duties include having knowledge of, and access through WebBank's
`to certain business
`servicer, Bluestem Brands,
`Inc.,
`records relating to the Accounts (as defined below). These records are kept by WebBank's
`servicer, Bluestem Brands,
`Inc.,
`on behalfof WebBank in the regular course of business.
`On or about March 19, 2020, WebBank
`or otherwise conveyed
`transferred (or caused to be transferred)
`("Transferor")
`certain charged-off accounts (the "Accounts")
`Inc. ("Transferee").
`Pursuant
`to Bluestem Brands,
`to the related bill of sale
`forsuch Accounts, Transferor
`transferred, assigned, and conveyed to Transferee and its successors and permitted assigns, all
`title and interest
`the Transferor held in the Accounts
`free and clear of any lien created by Transferor, except for any
`right,
`interest of Transferee and its affiliates. WebBank owned certain accounts. Following
`the creation of receivables relating to
`these accounts (the "Receivables"),
`the Receivables were transferred (or caused to be transferred) or otherwise conveyed to
`Bluestem Brands,
`Inc.
`Bluestem Brands,
`Inc. was the servicer of the Accounts from the origination
`of the Accounts through March 19, 2020.
`In its
`role as servicer of
`the Accounts,
`during the period WebBank
`Inc. kept and
`owned the Accounts, Bluestem Brands,
`maintained business acords on behalf of WebBank
`in the regular course of business, and it was in the regular course of
`business of Bluestem Brands,
`Inc.
`for an employee or representative with personal knowledge of the act, event condhion or
`opinion recorded to make memorandum or records or to transmit
`thereof
`to be included in such memorandum or
`information
`records at or near the time of occurrence.
`The above statements are true to the best of my knowledge.
`
`5.
`
`6.
`
`FURTHER AFFIANT SAYETHNOT.
`
`Signed this
`
`day of March, 2020.
`
`day of March, 2020, by Jon Sargent, an employee of WebBank.
`
`W S
`
`ubscribed and sworn to before me this
`
`Notary
`
`c
`
`STATE OF UTAH
`CITY OF SALT LAKE
`
`-
`
`-
`
`-
`
`-
`
`CERTIFICATE
`
`OF CONFORMITY
`
`-
`
`-
`
`-
`-
`-
`-
`-
`-
`JARED E MCMULUN
`Notary Public - State of Utah
`Comm. No. 691107
`My Commission Expires on
`0ct4,2020
`
`1 am a member of the Utah State Bar and licensed to practice law in the State of Utah. The form of the foregoing swom statement
`and the form of the notary certificate each complies with the laws of
`the State of Utah, which is the state in which the statement is
`given, and if pmperly swom and executed qualifies as a valid and effective affidavit
`in the State of Utah,
`
`Date
`
`Jon Re
`
`Attomoy at law in the State of Utah
`
`8 of 9
`
`Inc. to Jefferson
`to the sale of certain accounts by Bluestem Brands,
`the sale and assignment
`I am aware of
`the process of
`In that capacity,
`
`1.
`
`4.
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 04/18/2022 02:19 PM
`NYSCEF DOC. NO. 6
`DocuSign Envelope (D OA322453-512D-4F63-81C3-A23CD11DO2BB
`
`INDEX NO. EF2022-8
`
`RECEIVED NYSCEF: 04/18/2022
`
`FINGERHUT
`
`SCUSA RECElVABLES
`
`FORWARD FLOW - JCAP
`
`BILL OF SALE OF ORIGINAL
`
`EXHIBIT
`CREDITOR
`
`F
`
`OR ACQUIRER
`
`(WEBBANK)
`
`FOR VALUE
`
`RECEIVED,
`
`and subject
`
`to the terms
`
`and conditions
`
`of
`
`the Charged-
`
`Off Account
`
`Purchase
`
`Agreement
`
`("Account
`
`Purchase
`
`Agreement")
`
`between
`
`WebBank
`
`("Bank")
`
`and Bluestem
`
`Bands,
`
`Inc.,
`
`dated
`
`January
`
`10, 2013,
`
`Bank
`
`does
`
`hereby
`
`transfer,
`
`assign
`
`and convey
`
`to Bluestem
`
`Brands,
`
`Inc.,
`
`as of
`
`the date
`
`hereof
`
`all
`
`title
`
`and
`
`interest
`
`of Bank
`
`in and to those
`
`certain
`
`Charged-Off
`
`Accounts
`
`described
`
`in Schedule
`
`1 attached
`
`hereto
`
`and made
`
`a part
`
`hereof
`
`for
`
`all
`
`purposes.
`
`Terms
`
`used
`
`hemin
`
`shall
`
`have
`
`the meanings
`
`set
`
`forth
`
`in
`
`the
`
`Account
`
`Purchase
`
`right,
`
`Agreement.
`
`any warranty
`
`This
`
`BILL
`
`OF SALE
`
`is executed
`
`without
`
`recourse
`
`and without
`
`representation
`
`of
`
`of collectability
`or otherwise,
`this _ _ day
`
`Dated
`
`of March,
`
`expressed
`
`or
`
`implied.
`
`2020.
`
`WEBBANK
`
`Name:
`
`on Sargent
`
`Title:
`
`Controller
`
`9 of 9
`
`