SBA PLP Loans

PLP Loan Fraud

 

 

 

 

Does the SBA Allow SBA Loan Fraud from California Banks?

 

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Thursday, October 06, 2016 10:22 AM
To: terrill.ashker@sba.gov; 'Mendoza, Carlos G.'; ombudsman@sba.gov; ombudsman@fdic.gov; 'FOIA'; Butcher-Sumner.Blossom@sba.gov
Cc: sluong@ch13wla.com; mbesecker@ch13wla.com; 'Mendoza, Carlos G.'; keithcarls@kcoy.com; cj.ward@keyt.com; ombudsman@fdic.gov; ombudsman@sba.gov; 'da, sbcounty'; sandiego@sba.gov; san.francisco@ic.fbi.gov; foia@sba.gov; do_not_reply@occ.treas.gov; rforouzandeh@rppmh.com; dlee@rppmh.com; velie@calcoastnews.com; 'Garcia, Ruben R.'; Lcannon@dfi.ca.gov; legal@fdic.gov; 'England, Jacqueline'; 'kari.overson@sba.gov'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'sbcountyda@co.santa-barbara.ca.us'; 'Hobby, Jill C.'; 'Bill Bookout'
Subject: RE: Union Banks 2012 IRS 1099-A Form accounting showing Union Banks monthly Grand Theft and IRS Fraud!

 

October 6, 2016

 

Terrill K. Ashker                                 SBA Obudsman

CARLOS G. MENDOZA                  US Small Business Administration

District Director                                  409 3rd St, SW

Central California/ Fresno               Washington DC 20416

Small Business Administration        

559/487-5785, Ext 2710                 

800/359-1833, OPTION 6                

 

Dear Mr. Carlos Mendoza/SBA Obudsman/Terrill K. Ashker

 

Union Bank is not responding to the two emails below dated October 5, 2016 and September 28, 2016.  What is the status with the Oceano Nursery SBA PLP Loan # 664-196-4009?  Is the Oceano Nursery SBA PLP Loan # 664-196-4009 still a SBA Loan?  Was SBA PLP Loan # 664-196-4009 Paid off on February 22, 2012 as Union Bank initially claimed to the Internal Revenue Service (IRS) in 2013?  Union Bank has stated July 13, 2016 per the IRS Audit for 2012, 2013 and 2014.  I do not have any knowledge that the IRS has subpoenaed any documentation from Union Bank regarding your account.  Furthermore, I have no knowledge that the IRS has deemed any tax forms submitted by SBBT and/or Union Bank to the IRS with regard to your account as being deficient, incorrect or requiring additional information or documentation.”  Union Bank has never provided it claimed February 11, 2014 1099-A form to the IRS.  The SBA and the Comptroller of the Currency Administrator of National Banks Case # 03097098 is requested to obtain an accounting from Union Bank of what Union Bank has changed per SBA PLP Loan # 664-196-4009 and charged for!

 

Please review the emails below to Union Banks Senior Vice President Christine Sontag through, Union Banks Court Appointed Santa Barbara Commissioner Denise Motter and Judge Colleen K. Sterne; Union Banks SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh.  I am asking the SBA to help in obtaining an accounting of my Oceano Nursery SBA Loan so that I may provide this information to the internal Revenue Service and obtain the proper tax write offs or costs which is now public record as the SBA has been notified by email and at www.sbaplploans.com  .

 

Mr. Carlos Mendoza/SBA Obudsman/Terrill K. Ashker.   Is SBA PLP Loan # 664-196-4009 still active with the SBA as a SBA Loan?  If not I am making a FOIA request of all documents/Records and dates as to when this SBA Loan ended.   The IRS is currently Auditing my taxes for 2012, 2013 and 2014 and information has been requested of Union Bank for this Audit.  Union Bank refuses to provide an accounting of my SBA Loan Changes made to the IRS.  I am requesting a current SBA Form 1149 filled out by Union Bank as this can be provided to the IRS.  It was learned on June 27, 2013 that Union Bank changed the August 29th 2011 SBA Form 1149 going all the way back to 2007.  The IRS has no accounting of this!  I am again making a FOIA Request of the SBA per Union Banks claimed Rescission not seen in the 2012 IRS 1099 A Form provided to the IRS by Union Bank.  Union Bank has claimed to the IRS that the SBA Loan was paid in full on February 22, 2012 n a 1099-A Form without providing the IRS any additional information.

 

Mr. Carlos Mendoza/SBA Obudsman/Terrill K. Ashker.  The IRS will need the information from my FOIA request of the SBA as I will be needing to amend my taxes with Union Banks Rescission changes affecting this SBA Loan!  The questions asked of the SBA will be posted to www.sbaplploans.com  

 

A Complaint has been made to the Comptroller of the Currency Administrator of National Banks Case # 03097098.

 

Sincerely

 

William A. Bookout

SBA PLP Loan # 664-196-4009

 

CC. IRS July 20th 2016 –September 21, 2016 Audit

2384 Professional Parkway

Santa Maria, Ca 93455

Fax # 855-293-4983

 

CC SBA, FBI, SBA Ombudsman, SBA FDIC,  OCC

CC California State Bar

 

 

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Wednesday, October 05, 2016 2:50 PM
To: 'Robert Forouzandeh'; dlee@rppmh.com; terrill.ashker@sba.gov; velie@calcoastnews.com
Cc: sluong@ch13wla.com; mbesecker@ch13wla.com; 'Mendoza, Carlos G.'; adam.kaplan@sba.gov; keithcarls@kcoy.com; cj.ward@keyt.com; ombudsman@fdic.gov; ombudsman@sba.gov; da, sbcounty; sandiego@sba.gov; san.francisco@ic.fbi.gov; foia@sba.gov; 'Bill Bookout'; do_not_reply@occ.treas.gov
Subject: RE: Union Banks 2012 IRS 1099-A Form accounting showing Union Banks monthly Grand Theft and IRS Fraud!

 

October 5, 2016

 

Union Bank Senior Vice President Christine Sontag through

Union Bank SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

Tel:  805-966-2440

 

Dear Union Banks Senior Vice President Christine Sontag. Through, Union Banks Court appointed SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh

 

You have not responded to the September 28,2016 email below showing Union Banks Current IRS Fraud and Grand Theft per SBA PLP Loan # 664-196-4009!  Santa Barbara Superior Court Commissioner Denise Motter and Santa Barbara Superior Court Judge Colleen K. Sterne require at your request that all questions asked of Union Bank are asked through Union Banks SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh appointed by Santa Barbara Superior Court Commissioner Denise Motter and Santa Barbara Superior Court Judge Colleen K. Sterne.  The Second Appellate Court has recently discussed this Restraining order.

 

Attached  is the 2012 IRS 1099-A Form showing the Oceano Nursery SBA Loan being paid in Full on February 22, 2012 and Attached is the February 11, 2014 Falsified IRS 1099-A Form from Robert B. Forouzandeh that was never provided to the IRS!  Union Bank does not deny that the second 2012 IRS 1099-A Form on February 11, 2014 is Fraudulent!

 

1)    Union Bank never notified the IRS of any Rescission back to 2007 with the February 11, 2014 IRS 1099-A Form or provided this form to the IRS in 2014.

2)    Union Bank never amended the IRS 1098 Form accounting back to 2007 with Union Bank claimed Rescission and the February 11, 2014 IRS 1099-A Form.

 

Union Banks Senior Vice President Christine Sontag. Through, Union Banks Court appointed SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh.  Did Union Bank ever provide the IRS a 1099-A Form as changed by Robert B. Forouzandeh on February 11, 2014?  The IRS currently does not have an accounting of this claimed Rescission as of July 20, 2016!  Please Explain to myself those attached and Explain this to the Comptroller of the Currency Administrator of National Banks Case # 03097098!

 

Union Banks Senior Vice President Christine Sontag, From the February 22, 2012 Foreclosure of the Oceano Nursery SBA loan, as seen in the 2012 IRS Form 1099-A.  No money has been owed Union Bank since February 22, 2012 and a FORTH DEMAND is Now made of Union Bank for full reimbursement of all Principal and interest paid since February 22, 2012!  Again, Explain and Show Evidence if Union Bank has provided an accounting to the IRS showing any money owed Union Bank after February 22, 2012.  Has Union Banks SBA Loan Representative, Robert B. Forouzandeh been making falsified monthly payment notices?

 

 

Sincerely

 

William A. Bookout

SBA PLP Loan # 664-196-4009

 

CC. IRS July 20th 2016 –September 21, 2016 Audit

2384 Professional Parkway

Santa Maria, Ca 93455

Fax # 855-293-4983

 

CC SBA, FBI, SBA Ombudsman, SBA FDIC,  OCC

CC California State Bar

 

 

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Wednesday, September 28, 2016 1:04 PM
To: 'Robert Forouzandeh'; dlee@rppmh.com
Cc: sluong@ch13wla.com; mbesecker@ch13wla.com; 'Mendoza, Carlos G.' (Carlos.Mendoza@sba.gov); Ashker, Terrill K. <terrill.ashker@sba.gov> (terrill.ashker@sba.gov); Kaplan, Adam D.(Off. Inspector Gen.) <adam.kaplan@sba.gov> (adam.kaplan@sba.gov); keithcarls@kcoy.com; cj.ward@keyt.com; velie@calcoastnews.com; ombudsman@fdic.gov; ombudsman@sba.gov; da, sbcounty (sbcountyda@co.santa-barbara.ca.us); sandiego@sba.gov; san.francisco@ic.fbi.gov; 'Bill Bookout' (Pismobeachdiveshop@charter.net)
Subject: RE: Show changes to Union Banks 2012 IRS 1099-A Form accounting within 48 Hours going back to 2007 or admit to Union-Banks monthly Grand Theft!

 

September 28, 2016

 

Union Bank Senior Vice President Christine Sontag through

Union Bank SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

Tel:  805-966-2440

 

RE: Union Bank is to provide within 48 Hours any documents provided to the IRS showing Union Bank doing a Rescission of SBA PLP Loan # 664-196-4009 going back to 2007 or admit to Union-Banks monthly Grand Theft!

 

Dear Union Banks Senior Vice President Christine Sontag. Through, Union Banks Court appointed SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh

 

Union Banks SBA Loan Representative, Robert B. Forouzandeh sent acknowledgment of the Oceano Nursery SBA Loan Rescission dated July 13, 2016 in his response email below!  (“Furthermore, I have no knowledge that the IRS has deemed any tax forms submitted by SBBT and/or Union Bank to the IRS with regard to your account as being deficient, incorrect or requiring additional information or documentation.”  I am requesting full reimbursement for all of Union Banks fraudulent monthly claimed payments since February 22, 2012 when this SBA Loan was paid in full according to Union Banks 2012 1099-A Form.  Any payments made until Union Banks actions are resolved must be fully reimbursed by Union Bank.  Union Banks Senior Vice President Christine Sontag, Again answer the questions asked of you below on June 30, 2016- July 1, 2016 and July 13, 2016! Union Bank SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh are not qualified to answer Union Banks IRS Accounting questions, per the July 13, 2016 E-Mail from Robert B. Forouzandeh!

 

Union Banks Senior Vice President Christine Sontag, understand that all questions asked of you will be posted at www.unionbankna.com www.secondappellate.com  and other news and commentary websites.  Santa Barbara Superior Court Commissioner Denise Motter and Santa Barbara Superior Court Judge Colleen K. Sterne require at your request that all questions asked of Union Bank are asked through Union Bank SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh.

 

Union Banks Senior Vice President Christine Sontag.  Has Union Bank amended the IRS 1098 Form changes made by Union Bank on June 25, 2013 showing the Additional Interest charged in 2007, 2008, 2009, 2010, 2011, 2012, 2013 and 2014 with Union Banks claimed two sets of Union Bank accounting records and Rescission before the Second Appellate Court?  Union Bank has not accounted for these June 25, 2013 SBA Loan changes made by Union Bank to the IRS or William A. Bookout.  According to the IRS Accounting this SBA Loan was paid off in 2012 and Union Bank has not provided any additional accounting!   

 

Union Banks Senior Vice President Christine Sontag.  Union Bank reported to the IRS in 2012 in the only 1099-A provided to the IRS, that the fair market Value of the Oceano Nursery SBA Loaned property was $189,000.00 and that the Balance of the Principal as of February 22, 2012 was $0.00!  Union Bank had appraised the Oceano Nursery property at $265,000.00.  How can Union Bank make this kind of Banking Fraud to the IRS and Debtor William A. Bookout?  This is seen at www.secondappellate.com Union Banks Senior Vice President Christine Sontag, Did Union Bank provide the IRS any accounting showing that money was owed Union Bank after February 22, 2012?

 

Union Banks Senior Vice President Christine Sontag.  Please immediately provide any and all of Union Banks IRS 1098 Form accounting changes going back to 2003 with any SBA Loan changes made by yourself, Robert B. Forouzandeh, Diana Jessup Lee or Union Bank!  This will be provided to the IRS for the 2012, 2013 and 2014 IRS Audit.

 

Union Banks Senior Vice President Christine Sontag, From the February 22, 2012 Foreclosure of the Oceano Nursery SBA loan, as seen in the 2012 IRS 1099-A.  No money has been owed Union Bank since February 22, 2012 and a THIRD DEMAND is Now made of Union Bank for full reimbursement of all Principal and interest paid since February 22, 2012!  Explain if Union Bank has provided accounting to the IRS showing any money owed Union Bank after February 22, 2012.  Has Union Banks SBA Loan Representative, Robert B. Forouzandeh been making falsified monthly payment notices?

 

Union Banks Senior Vice President Christine Sontag, Explain, why Union Bank did not account to the IRS, Union Banks $57,676.17 in Attorney fees taken on February 22, 2012 in the 2012 IRS 1099-A Form or the 1098 Form?  Please immediately correct this as I will be amending my 2012 taxes!

 

Union Bank Senior Vice President Christine Sontag again, explain how Union Bank came up with an additional $45,171.20 not owed Union Bank against IRS 1098 Form accounting from 2007 to 2012 not seen in Union Banks June 25, 2013 Loan Transaction History?  The IRS will need this accounting from Union Bank!

 

Union Banks Senior Vice President Christine Sontag, This is AGAIN NOTICE TO UNION BANK THAT SBA PLP Loan # 664-196-4009 WAS RESCINDED BY DEBTOR WILLIAM A. BOOKOUT ON JULY 13, 2016 AND NO MONEY IS OWED UNION BANK.  The IRS shows that this SBA PLP Loan # 664-196-4009 was paid in Full in the Union Banks 2012 Form 1099-A  Union Banks SBA Loan Representative Robert B. Forouzandeh responded on July 13, 2016 on your, behalf.  The Questions asked of You need to be answered by You or Union Bank and not Robert B. Forouzandeh, who has admitted before the Second Appellate Court of Union Bank having two sets of accounting.  UNION BANK IS TO REFUND ALL ATTORNEY FEES TAKEN BY UNION BANK ALONG WITH PRINCIPAL PAYMENTS AND INTEREST PAID SINCE FEBRUARY 22, 2012 within 30 days! 

 

Union Banks Senior Vice President Christine Sontag,  Explain this statement made by Robert B. Forouzandeh to myself and those attached!  (“Furthermore, I have no knowledge that the IRS has deemed any tax forms submitted by SBBT and/or Union Bank to the IRS with regard to your account as being deficient, incorrect or requiring additional information or documentation.”   Why would Union Bank put Robert B. Forouzandeh in charge of this statement instead of Union Bank?  Union Bank is to provide within 48 Hours any documents provided to the IRS showing Union Bank doing a Rescission of SBA PLP Loan # 664-196-4009 going back to 2007 or admit to Union-Banks monthly Grand Theft!

 

Union Banks Senior Vice President Christine Sontag, Currently Union Bank is committing Grand Theft each month with the Monthly payment Notices made by Robert B. Forouzandeh against the 2012 IRS Form 1099-Accounting!  If Union Bank disputes this then within 48 hours; Union Bank is to provide any documents provided to the IRS that shows that this SBA PLP Loan # 664-196-4009 was not paid in Full in Union Banks 2012 Form 1099-A!  The IRS was never provided a 1099-A Form Correction dated February 11, 2014 as claimed by Union Banks Attorney Robert B. Forouzandeh that Santa Barbara Superior Court Commissioner Denise Motter and Santa Barbara Superior Court Judge Colleen K. Sterne require I communicate through for questions asked of You and Union Bank!

 

Sincerely

 

William A. Bookout

SBA PLP Loan # 664-196-4009

 

CC. IRS July 20th 2016 –September 21, 2016 Audit

2384 Professional Parkway

Santa Maria, Ca 93455

Fax # 855-293-4983

 

CC SBA, FBI, SBA Ombudsman, SBA FDIC,  OCC

CC California State Bar

 

 

From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Wednesday, July 13, 2016 2:20 PM
To: Bill Bookout
Subject: RE: In re William Arthur Bookout USBC Cen. Dist. CA.CaseNo.9:11-bk-15818

 

Mr. Bookout:

 

I do not have any knowledge that the IRS has subpoenaed any documentation from Union Bank regarding your account.  Furthermore, I have no knowledge that the IRS has deemed any tax forms submitted by SBBT and/or Union Bank to the IRS with regard to your account as being deficient, incorrect or requiring additional information or documentation.

 

 

Robert B. Forouzandeh | Partner
Reicker, Pfau, Pyle & McRoy, LLP | Santa Barbara’s Business Law Firm
1421 State Street, Suite B | Santa Barbara, CA 93101 | www.reickerpfau.com
Phone: (805) 966-2440 | Fax: (805) 966-3320 | Email: rforouzandeh@rppmh.com

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CIRCULAR 230 DISCLOSURE:  Pursuant to Regulations Governing Practice Before the Internal Revenue Service, any tax advice contained herein is not intended and may not be used by any person for the purpose of avoiding tax penalties that may be imposed upon a taxpayer or for the purpose of promoting, marketing or recommending to another party any transaction or tax-related matter.

 

 

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Wednesday, July 13, 2016 9:08 AM
To: Robert Forouzandeh; Diana Lee; ptrujillo@ch13wla.com
Cc: sluong@ch13wla.com; mbesecker@ch13wla.com; 'Mendoza, Carlos G.'; terrill.ashker@sba.gov; adam.kaplan@sba.gov; keithcarls@kcoy.com; cj.ward@keyt.com; velie@calcoastnews.com; ombudsman@fdic.gov; ombudsman@sba.gov; 'da, sbcounty'; sandiego@sba.gov; san.francisco@ic.fbi.gov; legal@fdic.gov; 'Bill Bookout'
Subject: RE: In re William Arthur Bookout USBC Cen. Dist. CA.CaseNo.9:11-bk-15818 Union Banks Fraud, Breach of Contract and Perjury

 

July 13, 2016

 

Union Bank Senior Vice President Christine Sontag through

Union Bank SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

Tel:  805-966-2440

 

Dear Union Banks Senior Vice President Christine Sontag. Through, Union Bank Court appointed SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh

 

Again, Please respond to the June 30, 2016 and July 1, 2016 emails below regarding The IRS Auditing the tax years 2012, 2013 and 2014 on July 20, 2016.  Attached below are the February 2, 2014, and February 6, 2014 emails to Union Bank that Union Bank responded to on February 11, 2014.  IRS Tax Compliance Officer, Paul Simonian, is now aware of Union Banks Rescission loan changes made on June 25, 2013 and the February 2014 emails sent to Union Bank.

 

The requested information of Union Bank is to be provided by July 20th 2016 to myself and:

Paul Simonian, Tax Compliance Officer

2384 Professional Parkway

Santa Maria, Ca 93455

 

Union Bank can fax the requested information of Union Bank to Paul Simonian, IRS Tax Compliance Officer at Fax # 855-293-4983.  The IRS is now fully aware of Union Bank changing yearly, IRS 1098 Form accounting on June 25, 2013 going back to 2007.  This IRS 1098 Form changes made by Union Bank on June 25, 2013 now need amended by Union Bank and provided to the IRS showing the Additional Interest charged in 2007, 2008, 2009, 2010, 2011, 2012, 2013 and 2014.  These are additional tax write offs can be made by  William A. Bookout as Union Bank has not accounted for these June 25, 2013 Loan changes made by Union Bank to the IRS or William A. Bookout.

 

Attached is the 2012 Form 1099-A originally filed by Union Bank  This shows that the Oceano Nursery SBA loan was paid in full in 2012 with Union Bank December 26, 2011 Rescission claiming a fair market value of $189,000.00 against the appraised value of $265,000.00.

 

Attached is the Original 1098 Form for 2012 with interest being paid of $53,098.29 that Union Bank changed on February 11, 2014 to be $49,523.34.  Please explain this accounting IRS 1098 Form accounting change to IRS Paul Simonian, Tax Compliance Officer for the July 20, 2016 Audit.

 

Attached is Union Banks August 18, 2014 SBA loan Accounting showing Union Bank changing IRS 1098 Form accounting all the way back to 2007.  Union Bank is Demanded to provide records of all of Union Bank IRS 1098 Form accounting changes on June 25, 2013 to IRS Paul Simonian, Tax Compliance Officer.  His fax # is 1-855-293-4983 and his Telephone # is 1-805-352-0367

 

Union Bank Senior Vice President, Christine Sontag,  Please immediately provide any and all of Union Banks IRS 1098 Form accounting going back to 2003 with any SBA Loan changes made by yourself, Robert B. Forouzandeh, Diana Jessup Lee or Union Bank for the July 20th 2016 IRS Audit!  From the February 22, 2012 Foreclosure of the Oceano Nursery SBA loan, as seen in the IRS 1099-A.  No money has been owed Union Bank since February 22, 2012 and a SECOND DEMAND is Now made of Union Bank for full reimbursement of all Principal and interest paid since February 22, 2012!  This is NOTICE TO UNION BANK THAT SBA PLP Loan # 664-196-4009 IS NOW RESCINDED BY DEBTOR WILLIAM A. BOOKOUT AND NO MONEY IS OWED UNION BANK.  UNION BANK IS TO REFUND ALL ATTORNEY FEES PAID TO UNION BANK ALONG WITH PAYMENTS AND INTEREST PAID SINCE FEBRUARY 22, 2012 within 30 days!

 

Union Bank Senior Vice President, Christine Sontag,  Explain to IRS Paul Simonian, Tax Compliance Officer, why Union Bank did not account for the $57,676.17 in Attorney fees charged in the 2012 IRS Form 1099-A or the 2012 Form 1098?

 

Union Bank Senior Vice President, Christine Sontag, Explain to IRS Paul Simonian, Tax Compliance Officer, why Union Bank did not provide an itemized accounting per IRS Form 4564 attached for the tax years 2012, 2013 and 2014 with Union Banks December 26, 2011 Rescission found in Union Banks August 18, 2014 Loan Transaction History provided by Union Bank originally on June 27, 2013?.

 

Sincerely

 

William A. Bookout

SBA PLP Loan # 664-196-4009

 

CC. IRS July 20th 2016 Audit

 

CC Paul Simonian, Tax Compliance Officer

2384 Professional Parkway

Santa Maria, Ca 93455

Fax # 855-293-4983



Attorney General Complaint showing Santa Barbara Bank & Trust Fraud! 

Peggy E. Gustafson, Inspector General for the SBA PDF


Santa Barbara Bank & Trust Fraud as presented to the Santa Barbara Bankruptcy Court by Santa Barbara Bank & Trust.  The questions asked of Santa Barbara Bank & Trust below need to be answered!

 


Santa Barbara Bank & Trust PDF documents showing the SBBT May 19, 2011 Notice of Default to be fraudulent, in the $45,171.20 claimed by Santa Barbara Bank & Trust!


From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Wednesday, November 30, 2011 3:12 PM
To: 'Karen Grant'
Cc: 'Mary Jo Barbeau'; 'Richard Rossi'; 'Chris Gautschi'; 'Diana Lee'; 'Robert Forouzandeh'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'danhil@charter.net'; 'Bob Johnston'; 'Ashker, Terrill K.'; 'Thomas Cregger'; 'carlos.mendoza@sba.gov'; 'Hobby, Jill C.'; 'Koznek, Jeff'; 'lol@rsmediate.com'; 'rmiller@newtimesslo.com'; 'econnolly@newtimesslo.com'; 'crigley@newtimesslo.com'; 'ctrimble@pismobeach.org'; 'velie@calcoastnews.com'
Subject: RE: Santa Barbara Bank & Trust Loan Fraud and Breach of Contract SBA PLP Loan # 664-196-4009

 

November 30, 2011

 

Santa Barbara Bank & Trust Board of Directors George Leis, Gerald J. Ford, Carl B. Webb, Richard A. Nightingale, John R. Mackall, Mark K. Olson, D. Vernon Horton, William R. Loomis, Edward E. Birch, Kathy J. Odell, Clayton C. Larson, Gordon J. Wahlgren and Mary Mascolo;

 

Karen L. Grant

California State Bar # 122084

924 Anacapa Street, Ste 1M

Santa Barbara, Ca 93101

1-805-962-4413

 

Dear Mrs. Karen L. Grant,

 

Please provide a copy of this response to the Santa Barbara Bank & Trust Board of Directors attached above from Robert Forouzandeh’s November 30, 2011 email below! All documents and communication can be seen at www.sbaplploans.com

Santa Barbara Bank & Trust has still not provided a monthly loan payment statement for November and December 2011 with the changes mentioned by Robert Forouzandeh, in his November 23, 2011 email attached!  Santa Barbara Bank & Trust in the 2007 forbearance and workout agreement charged an improper amortized monthly payment of $4,121.06 instead of $3,880.20 per month affecting Oceano Nursery’s business income!

 

Robert Forouzandeh, has stated below on November 30, 2011. Your client is asking what his December 2011 payment to Santa Barbara Bank and Trust ("SBBT") should be.  I would direct his attention to the Proof of Claim filed by SBBT in Mr. Bookout's bankruptcy proceeding, which states that Mr. Bookout's post-petition payments to Santa Barbara Bank & Trust should be $4,077.32.  This amount is based on the recalculated principal balance of $400,962.89 which was determined as a result of Mr. Bookout's pre-petition default of the Forbearance Agreement (which had a fixed interest rate of 6%) resulting in the termination of the interest rate afforded under the Forbearance Agreement.  I have explained this re-calculation process to your client on several occasions.  In the May 5, 2011 Santa Barbara Bank & Trust amortization schedule attached, SBBT claimed that the payment in 2007 should have been $4,055.30 without paying any principal from the $22,274.46 five payments as seen attached and at www.sbaplploans.com

 

Karen L. Grant, Please request the proper Santa Barbara Bank & Trust December 2011 Statement from Santa Barbara Bank & Trust!  I am requesting that Judge Robin L. Riblet have a copy of the November and December 2011 Santa Barbara Bank & Trust (Payment Notices), once they have been prepared by Santa Barbara Bank & Trust!  Santa Barbara Bank & Trust (Incorrect Interest Rate Adjustments) needs to be reviewed by Judge Robin L. Riblet along with the (Misapplied Payments) since the 2007 forbearance & workout agreement as now put into question by Robert Forouzandeh. 

 

As explained below I have attached for Judge Robin L. Riblet, Santa Barbara Bank & Trusts online accounting from June 18, 2007 showing a balance owed in June of 2007 of $472,823.65 instead of the $487,469.96 claimed by Diana Jessup Lee in the amortization schedule she provided on May 6, 2011 and her May 19, 2011 letter attached.  Attached is the June 23, 2007 payment notice showing a balance owed $472,774.05 instead of the $487,469.96 claimed by Diana Jessup Lee as Mr. Forouzandeh, is still using undocumented accounting!  Please have Santa Barbara Bank & Trust explain as to why in the 2007 forbearance and workout agreement SBBT had not properly amortized the Oceano Nursery SBA Loan against SBA Form 147 Note?   Robert Forouzandeh, has stated below on November 30, 2011.  Please be advised that pursuant to the terms of Mr. Bookout's loan, the loan will be re-amortized as of January 2012.  Due to Mr. Bookout's long running default on this loan, upon re-amortization, the monthly payments will change.  Once the loan is re-amortized, I will provide you with the new payment amount which will be applicable for the entire 2012 calendar year.”

 

Santa Barbara Bank & Trust had the ability to properly amortize the Oceano Nursery SBA Loan in 2007 with the Forbearance Agreement.  This could have been done by Santa Barbara Bank & Trust taking the June 23, 2007 (Payment Notice) showing a Loan Balance of $420,024.30 plus the Previous Due of $52,749.75 added together totaling $472,774.05 and then subtracting the $22,274.46 bring a balance down to $450,499.59 and then subtracting the $5,200.00 of principal not accounted for by Santa Barbara Bank & Trust bringing the proper principal owed down to $445,299.59 with a August 1, 2007 monthly payment of $3,880.20 instead of the $4,121.06 charged against SBA Form 147 Note signed on October 6, 2003!  Santa Barbara Bank & Trust should not be allowed to make up fraudulent loan figures as presented by Robert Forouzandeh, again on November 30, 2011!

 

In 2007 Extra Principal Paid was $2,236.82.  The SBA loan should have been re amortized in 2007 and 2008 under terms per SBA Form 147 Note, as Mr. Forouzandeh, is claiming will be done in 2012!

In 2008 Extra Principal Paid was $631.52.   The SBA loan should have been re amortized in 2009 under terms per SBA Form 147 Note, as Mr. Forouzandeh, is claiming will be done in 2012!

In 2009 Extra Principal Paid was $473.64.  The SBA loan should have been re amortized in 2010 under terms per SBA Form 147 Note, as Mr. Forouzandeh, is claiming will be done in 2012!

 

Loan Summary Santa Barbara Bank & Trust

Principal:

$445299.59

Interest Rate:

6%

Loan Term:

171 months

Number of Payments:

171

Monthly Payment:

$3,880.20

Total Principal Paid:

$445,299.59

Total Interest Paid:

$218,214.93

Total Paid:

$663,514.52

 

Santa Barbara Bank & Trust online accounting as of November 20, 2011 showing a Principal Balance of $390,996.91 instead of the Proof of Claim presented to Judge Robin L. Riblet.  The Principal balance is not $400,962.89 claimed to Judge Robin J. Riblet.

 

Notice the Santa Barbara Bank & Trust late fee amount of $206.05 against SBA Form 147 Note!

Date

Description

Category

Debit

Credit

Balance

11/4/2011

EFF 11/03/2011

 

 

$4,121.06

$390,996.91

10/11/2011

Regular Payment

 

 

$4,121.06

$390,996.91

9/16/2011

Automatic

 

$206.05

 

$390,996.91

8/30/2011

Review Fee

 

$650.00

 

$390,996.91

8/30/2011

Commercial Appraisal Fee

 

$4,000.00

 

$390,996.91

8/30/2011

Review fee

 

$650.00

 

$390,996.91

8/30/2011

Commercial Appraisal

 

$3,500.00

 

$390,996.91

8/16/2011

Automatic

 

$206.05

 

$390,996.91

7/18/2011

Automatic

 

$206.05

 

$390,996.91

 

The 2007 (forbearance agreement which was not been adhered to by Santa Barbara Bank & Trust) needs to be reviewed by Judge Robin L. Riblet and Santa Barbara Bank & Trust needs to explain as to why SBBT has claimed to Judge Robin L. Riblet; in a (Proof of Claim) that Santa Barbara Bank & Trust is owed $45,171.20 in deferred and defaulted payments against the Santa Barbara Bank & Trust documents attached for Judge Robin L. Riblet!

 

Please provide the above attached PDF documents to Judge Robin L. Riblet with the Santa Barbara Bank & Trust loan changes as noted by Robert Forouzandeh on November 23, 2011!  Please explain to Judge Robin L. Riblet as to why in the attached October 26, 2010 (Demand Letter) that Santa Barbara Bank & Trust does not show the $45,171.20 per the May 19, 2011 Notice of Default that has caused this Bankruptcy?

 

How does Santa Barbara Bank & Trust justify, their May 19, 2011 Notice of Default claim of $45,171.20 against their own banking documents attached above?  Again, please have Santa Barbara Bank & Trust provide their new (Payment Notices) for December and November 2011 per Mr. Robert Forouzandeh’s; November 23, 2011 email attached above and below!

 

Robert Forouzandeh, states below for Santa Barbara Bank & Trust on November 18, 2011.   “There is nothing deficient about the May 19, 2011 NOD.  Santa Barbara Bank and Trust will not rescind it.  We have reviewed all of the information pertaining to this NOD and it is valid.”  This now needs to be decided by Judge Robin L. Riblet and the United States Small Business Administration attached above. 

 

Karen L. Grant, please see that Santa Barbara Bank provides a full accounting of the $45,171.20 deferred and defaulted payments to myself and Judge Robin L. Riblet per the October 28, 2011 Proof of Claim and Your November 7, 2011 accounting to the United States Bankruptcy Court!  If Santa Barbara Bank & Trust has a undisclosed third and different, accounting system, other then Santa Barbara Bank & Trusts online website mentioned by Robert Forouzandeh in his November 23, 2011 email attached!  Then, please provide a copy of this system to myself and Judge Robin L. Riblet!  The monthly (Payment Notice’s) attached and the 2007 online accounting does not show the $45,171.20 claimed by Santa Barbara Bank & Trust per the May 19, 2011 NOD and the November 8, 2011 SBBT (Objection To Chapter 13 Plan by Santa Barbara Bank & Trust)!

 

Karen L. Grant, Robert Forouzandeh and Diana Jessup Lee, This is again a Written Demand Letter of Santa Barbara Bank & Trust to Rescind the Fraudulent NOD filed on May 19, 2011 on the Oceano Nursery property and the Pismo Beach Property within one week of November 18, 2011!  Please let the Santa Barbara Bank & Trust Board of Directors George Leis, Gerald J. Ford, Carl B. Webb, Richard A. Nightingale, John R. Mackall, Mark K. Olson, D. Vernon Horton, William R. Loomis, Edward E. Birch, Kathy J. Odell, Clayton C. Larson, Gordon J. Wahlgren and Mary Mascolo; Make this decision after reviewing the documents attached and Robert Forouzandeh’s most recent email communication on November 23, 2011!  

 

Sincerely

 

Bill Bookout

 

CC Judge Robin L. Riblet---Exhibit # 22

CC Barry A. Cappello Lender Liability

CC Chris Gautschi [sanschromo@yahoo.com]

CC San Luis Obispo District Attorney

CC San Luis Obispo Police Department Case # 111108022

CC Adam D. Kaplan Office of Inspector General OIG complaint ID # 20110484--20120076


From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Wednesday, November 30, 2011 12:24 PM
To: 'Richard Rossi'
Cc: 'Chris Gautschi'; Diana Lee; 'Karen Grant'; Bill Bookout; Mary Jo Barbeau
Subject: RE: Santa Barbara Bank & Trust Loan Fraud and Breach of Contract SBA PLP Loan # 664-196-4009

 

Mr. Rossi:

 

Your client is asking what his December 2011 payment to Santa Barbara Bank and Trust ("SBBT") should be.  I would direct his attention to the Proof of Claim filed by SBBT in Mr. Bookout's bankruptcy proceeding, which states that Mr. Bookout's post-petition payments to Santa Barbara Bank & Trust should be $4,077.32.  This amount is based on the recalculated principal balance of $400,962.89 which was determined as a result of Mr. Bookout's pre-petition default of the Forbearance Agreement (which had a fixed interest rate of 6%) resulting in the termination of the interest rate afforded under the Forbearance Agreement.  I have explained this re-calculation process to your client on several occasions.

 

Please be advised that pursuant to the terms of Mr. Bookout's loan, the loan will be re-amortized as of January 2012.  Due to Mr. Bookout's long running default on this loan, upon re-amortization, the monthly payments will change.  Once the loan is re-amortized, I will provide you with the new payment amount which will be applicable for the entire 2012 calendar year.

 

Please contact me if you have any questions.

 

Robert B. Forouzandeh

Attorney at Law

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

 

Tel:  805-966-2440

Fax:  805-966-3320

E-mail: rforouzandeh@rppmh.com

Website:  www.reickerpfau.com

------------------------------------------------------------------------------------

This e-mail may contain confidential and privileged material for the sole use of the intended recipient.  Any review or distribution by others is strictly prohibited.  If you are not the intended recipient, please contact the sender and delete this e-mail.


From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Tuesday, November 29, 2011 2:00 PM
To: 'Richard Rossi'
Cc: 'Chris Gautschi'; 'Diana Lee'; 'rmiller@newtimesslo.com'; 'crigley@newtimesslo.com'; 'lol@rsmediate.com'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'Koznek, Jeff'; 'danhil@charter.net'; 'ajsantana@co.slo.ca.us'; 'dvallely@co.slo.ca.us'; 'Pamela Brinks'; 'econnolly@newtimesslo.com'; 'Robert Forouzandeh'; 'Ashker, Terrill K.'; 'carlos.mendoza@sba.gov'; 'Hobby, Jill C.'; 'Bob Johnston'; 'Karen Grant'; 'Thomas Cregger'
Subject: RE: Santa Barbara Bank & Trust Loan Fraud and Breach of Contract SBA PLP Loan # 664-196-4009

 

November 29, 2011

 

Dear Mr. Richard Rossi,

 

Santa Barbara Bank & Trust has still not provided a monthly loan statement for December 2011 with the changes mentioned by Robert Forouzandeh, in his November 23, 2011 email attached!  Please request this December 2011 Statement from Santa Barbara Bank & Trust (Robert Forouzandeh)  I am requesting that Judge Robin L. Riblet have a copy of the November and December 2011 Santa Barbara Bank & Trust (Payment Notices), once they have been prepared by Santa Barbara Bank & Trust!

 

Please provide the attached documents to Judge Robin L. Riblet for our December 16, 2011 hearing along with the emails from Robert Forouzandeh, Karen Grant and Diana Lee.

 

Please make sure that Judge Robin L. Riblet is provided and made aware of the October 26, 2010 Santa Barbara Bank & Trust Demand Statement showing no deferred principal and interest as claimed to Judge Robin L. Riblet in the October 28, 2011 (Proof Of Claim).  Santa Barbara Bank & Trust in this demand shows the principal balance to be $390,996.91 instead of the $400,962.89 claimed by Robert Forouzandeh, on November 23, 2011.

 

I have attached for Judge Robin L. Riblet, Santa Barbara Bank & Trusts online accounting from June 18, 2007 showing a balance owed in June of 2007 of $472,823.65 instead of the $487,469.96 claimed by Diana Jessup Lee in the amortization schedule she provided on May 6, 2011 and her May 19, 2011 letter attached.  Attached is the June 23, 2007 payment notice showing a balance owed $472,774.05 instead of the $487,469.96 claimed by Diana Jessup Lee!

 

In the Santa Barbara Bank & Trust online statements attached in 2007 and 2008 Santa Barbara Bank & Trust is found paying no principal and only deferred interest.  The Notice of Default filed by Santa Barbara Bank & Trust on May 19, 2011 is fraudulent as seen in Santa Barbara Bank & Trusts own documents and the Proof of Claim presented to Judge Robin L. Riblet, by Santa Barbara Bank & Trust on October 28, 2011 claiming $45,171.20 in deferred and defaulted payments!  Please have Santa Barbara Bank & Trust explain this $45,171.20 claimed to Judge Robin L. Riblet!

 

Santa Barbara Bank & Trust/Robert Forouzandeh, States November 18, 2011.   “There is nothing deficient about the May 19, 2011 NOD.  Santa Barbara Bank and Trust will not rescind it.  We have reviewed all of the information pertaining to this NOD and it is valid.”  This now needs to be decided by Judge Robin L. Riblet and the United States Small Business Administration attached above. 

 

How does Santa Barbara Bank & Trust justify, their May 19, 2011 Notice of Default claim of $45,171.20 against their own banking documents attached above?  Again, please have Santa Barbara Bank & Trust provide their new (Payment Notice) for December and November 2011 per Mr. Robert Forouzandeh’s; November 23, 2011 email attached above and below!

 

Sincerely

 

Bill Bookout

 

CC Judge Robin L. Riblet---Exhibit # 22

CC Barry A. Cappello Lender Liability

CC Chris Gautschi [sanschromo@yahoo.com]

CC San Luis Obispo District Attorney

CC San Luis Obispo Police Department Case # 111108022

CC Adam D. Kaplan Office of Inspector General OIG complaint ID # 20110484--20120076

 


From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Monday, November 28, 2011 4:54 PM
To: 'Richard Rossi'
Cc: 'Chris Gautschi'; 'Diana Lee'; 'rmiller@newtimesslo.com'; 'crigley@newtimesslo.com'; 'lol@rsmediate.com'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'Koznek, Jeff'; 'danhil@charter.net'; 'ajsantana@co.slo.ca.us'; 'dvallely@co.slo.ca.us'; 'Pamela Brinks'; 'econnolly@newtimesslo.com'; 'Robert Forouzandeh'; 'Ashker, Terrill K.'; 'carlos.mendoza@sba.gov'; 'Hobby, Jill C.'; 'Bob Johnston'; 'Karen Grant'
Subject: RE: Santa Barbara Bank & Trust Loan Fraud and Breach of Contract SBA PLP Loan # 664-196-4009

 

November 28, 2011

 

Dear Mr. Richard Rossi,

 

Santa Barbara Bank & Trust has communicated with me on November 18 and 23, 2011 in which I have responded below with questions asked of Santa Barbara Bank & Trust.  Please see that Santa Barbara Bank & Trust answers these questions for us and Judge Robin L. Riblet for our up coming Bankruptcy Court Hearing on December 16, 2011. Please copy this to the Judge Robin L. Riblet with the communication by Robert Forouzandeh below and Santa Barbara Bank & Trust changing their May 5, 2011 amortization of my SBA Loan on October 28, 2011.

 

Mr. Rossi, Santa Barbara Bank & Trust has not provided a Payment Notice for November 2011 and now December 2011 payments.  Can you contact Robert Forouzandeh and Diana Jessup Lee for the proper amount Santa Barbara Bank & Trust now claims is owed SBBT per their newly changed computerized records accounting as stated by Robert Forouzandeh on November 23, 2011?  “The $390,996.91 balance appears on SBBT's online account access for your loan because that system has not been updated to rescind the terms of the Forbearance Agreement and has accordingly not re-calculated or re-amortized your loan based on the original loan terms.”

Once I have received the new amortized loan amount as changed by Santa Barbara Bank & Trust I will be able to make my December payment. 

 

Robert Forouzandeh, has stated August 2, 2011 against the August 29, 2011 SBA Form 1149 as seen at www.sbaplploans.com  The July 27, 2011 statement sent from Santa Barbara Bank and Trust does not include the amounts owed by you for the deferred payments under the Forbearance Agreement.  When you breached the Forbearance Agreement by going into default on your loan, pursuant to contract, the deferred payments were accelerated and due in full immediately”

 

Again, Santa Barbara Bank & Trust has falsified the May 19, 2011 Notice of Default in claiming $45,171.20 not owed Santa Barbara Bank & Trust as seen in their documents at www.sbaplploans.com Is it legal to falsify a Notice of Default like Santa Barbara Bank & Trust has done on May 19, 2011?  Robert Forouzandeh, as stated on August 2, 2011 is wrong in his email and this needs, to be addressed to Judge Robin L. Riblet for our December 16, 2011 Bankruptcy Hearing!

 

This statement by Robert Forouzandeh, on November 18, 2011 needs to be reviewed by Judge Robin L. Riblet for our December 16, 2011 Bankruptcy hearing, With that being said, as I have done on countless occasions in the past, I deny each and every one of the false allegations that you have set forth in your email below.  There is nothing deficient about the May 19, 2011 NOD.  Santa Barbara Bank and Trust will not rescind it.  We have reviewed all of the information pertaining to this NOD and it is valid.”

Does Santa Barbara Bank & Trust have a plan to reimburse me for the extra principal charged by Santa Barbara Bank & Trust since the 2007 forbearance & workout agreement that Santa Barbara Bank & Trust has admitted to over charging me on May 6, 2011 in the letter from Diana Jessup Lee as seen at www.sbaplploans.comIs it Legal for a bank to monthly over charge a SBA loan like Santa Barbara Bank & Trust has admitted too since 2007?

 

I would again hope that this falsified May 19, 2011 NOD could be resolved in mediation.

 

Sincerely

 

Bill Bookout

 

CC Judge Robin L. Riblet---Exhibit # 22

CC Barry A. Cappello Lender Liability

CC Chris Gautschi [sanschromo@yahoo.com]

CC San Luis Obispo District Attorney

CC San Luis Obispo Police Department Case # 111108022

CC Adam D. Kaplan Office of Inspector General OIG complaint ID # 20110484


From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Friday, November 25, 2011 8:45 AM
To: 'Robert Forouzandeh'
Cc: 'Chris Gautschi'; 'Richard Rossi'; 'Diana Lee'; 'rmiller@newtimesslo.com'; 'crigley@newtimesslo.com'; 'lol@rsmediate.com'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'Koznek, Jeff'; 'danhil@charter.net'; 'ajsantana@co.slo.ca.us'; 'dvallely@co.slo.ca.us'; 'Thomas Cregger'; 'Pamela Brinks'; 'econnolly@newtimesslo.com'
Subject: RE: Santa Barbara Bank & Trust Loan Fraud and Breach of Contract SBA PLP Loan # 664-196-4009

 

November 25, 2011

 

Santa Barbara Bank & Trust

Robert Forouzandeh State Bar # 247177   

 

Mr. Forouzandeh,

 

In reviewing your November 23, 2011 response a little more, Please provide the new full re-amortized Santa Barbara Bank & Trust amortization to myself, the SBA and Judge Robin L. Riblet since the 2007 Forbearance & Workout Agreement!  Please explain as to why Santa Barbara Bank & Trust is fraudulently attempting to charge $45,171.20 in the May 19, 2011 NOD that Santa Barbara Bank & Trust has accounted for in the September 30, 2008 letter to the SBA?

 

Mr. Forouzandeh, In the June 23, 2007 (Payment Notice) attached.  Please provide the Santa Barbara Bank & Trust records showing that $45,171.20 is owed in deferred and defaulted payments as presented to Judge Robin L. Riblet on October 28, 2011!  Please explain as to why Santa Barbara Bank & Trust did not live up to the June 30, 2007 forbearance and workout agreement or SBA Form 147 Note?

 

Santa Barbara Bank & Trust States on November 23, 2011:  “Our response is as follows:  The $390,996.91 was calculated using the fixed interest rate of 6% set forth in the Forbearance Agreement.  Due to your default of the Forbearance Agreement, the Forbearance Agreement was rescinded (as permitted by its terms) and the principal amount of the loan was re-calculated and re-amortized going back to the date of the Forbearance Agreement using the interest rate of Prime + 2% (as required in your original loan) for the time period between the date of the Forbearance Agreement and the date of the Proof of Claim with the loan being re-amortized on a yearly basis per SBA loan rules.”

 

SBA Form 1149 does not show this action by Santa Barbara Bank & Trust.  Please provide the Payment Notice’s for November and December 2011 with Santa Barbara Bank & Trusts new re-amortized SBA PLP Loan # 664-196-4009 to myself the SBA attached above and Judge Robin L. Riblet.

 

Mr. Forouzandeh, will Santa Barbara Bank & Trust be recalculating the late fees as seen online with Santa Barbara Bank & Trust?  I am requesting to have all online changes done immediately as now presented in your November 23, 2011 email!  Please note that Santa Barbara Bank & Trust has a history since 2007 of paying late fees from my additional principal paid Santa Barbara Bank & Trust which now need to be properly accounted for!

 

Santa Barbara Bank & Trust has now provided three different loan accounting since May 6, 2011.  The first claimed my monthly payment should have been $4,055.30 instead of $4,121.06.  The Second claimed my monthly payment should have been $4,028.05.  The Third on October 28, 2011 by Santa Barbara Bank & Trust is claiming that my monthly payment in 2009 should have been $3,743.71.  In 2010 should have been $3,816.71.  In 2011 should have been $4,077.32.

 

Mr. Forouzandeh, Please provide a Santa Barbara Bank & Trusts breakdown of how my extra Principal paid Santa Barbara Bank & Trust has been computed in the Proof of Claim to Judge Robin L. Riblet.  Santa Barbara Bank & Trust States on November 23, 2011 The $390,996.91 balance appears on SBBT's online account access for your loan because that system has not been updated to rescind the terms of the Forbearance Agreement and has accordingly not re-calculated or re-amortized your loan based on the original loan terms.”  If this is the case, then Santa Barbara Bank & Trust has had since January 2010 to make this correction!  SBA Form 1149 dated August 29, 2011 will have to be corrected for the SBA attached above!

 

Please note that Mr. Rossi is only handling the Bankruptcy caused by Santa Barbara Bank & Trust. Mr. Rossi has is helping in finding an attorney that handles this type of Fraud and Breach of Contract.  Santa Barbara Bank & Trust has hired another law firm to handle their fraudulent NOD filed on May 19, 2011.

 

Mr. Forouzandeh, In Regards to the Original Loan SBA loan terms, please explain as to why Santa Barbara Bank & Trust has ignored SBA Form 147 Note since the June 30, 2007 Forbearance and Workout Agreement until the October 28, 2011 Proof Of Claim to Judge Robin L. Riblet?  Santa Barbara Bank & Trust had the ability to properly amortize the Oceano Nursery SBA PLP Loan # 664-196-4009 in 2007 with the Forbearance Agreement.  This could have been done by Santa Barbara Bank & Trust taking the June 23, 2007 (Payment Notice) showing a Loan Balance of $420,024.30 plus the Previous Due of $52,749.75 added together totaling $472,774.05 and then subtracting the $22,274.46 bring a balance down to $450,499.59 and then subtracting the $5,200.00 of principal not accounted for by Santa Barbara Bank & Trust bringing the proper principal owed down to $445,299.59 with a August 1, 2007 monthly payment of $3,880.20 instead of the $4,121.06 charged against SBA Form 147 Note signed on October 6, 2003!   Mr. Forouzandeh, why did Santa Barbara Bank & Trust pay no attention to SBA Form 147 Note until October 28, 2011?  What has Santa Barbara Bank & Trust done with my $5,200.00 of Principal paid per the June30, 2007 Forbearance & Workout agreement?

 

Robert Forouzandeh and Diana Jessup Lee, This is again a Written Demand Letter of Santa Barbara Bank & Trust to Rescind the Fraudulent NOD filed on May 19, 2011 on the Oceano Nursery property and the Pismo Beach Property within one week of November 18, 2011!  Please let the Santa Barbara Bank & Trust Board of Directors George Leis, Gerald J. Ford, Carl B. Webb, Richard A. Nightingale, John R. Mackall, Mark K. Olson, D. Vernon Horton, William R. Loomis, Edward E. Birch, Kathy J. Odell, Clayton C. Larson, Gordon J. Wahlgren and Mary Mascolo; Make this decision after reviewing the documents attached and your most recent communication on November 23, 2011!  

 

Sincerely

 

Bill Bookout

 

CC California State Attorney General, Kamala D. Harris

      California Department of Justice

      P. O. Box 944255

      Sacramento, Ca 94244-2550

 

CC Judge Robin L. Riblet---Exhibit # 22

CC Barry A. Cappello Lender Liability

CC Chris Gautschi [sanschromo@yahoo.com]

CC San Luis Obispo District Attorney

CC San Luis Obispo Police Department Case # 111108022

CC Adam D. Kaplan Office of Inspector General OIG complaint ID # 20110484

CC Thomas Cregger –Union Pacific Rail Road

 

 


From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Wednesday, November 23, 2011 1:51 PM
To: 'Robert Forouzandeh'
Cc: 'Chris Gautschi'; 'Richard Rossi'; 'Diana Lee'; 'rmiller@newtimesslo.com'; 'crigley@newtimesslo.com'; 'lol@rsmediate.com'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'Koznek, Jeff'; 'danhil@charter.net'; 'ajsantana@co.slo.ca.us'; 'dvallely@co.slo.ca.us'; 'Thomas Cregger'; 'Karen Grant'; 'Pamela Brinks'
Subject: RE: Santa Barbara Bank & Trust Loan Fraud and Breach of Contract SBA PLP Loan # 664-196-4009

 

November 23, 2011

 

Robert Forouzandeh State Bar # 247177   

Diana Jessup Lee State Bar # 155191

Santa Barbara Bank & Trust Board of Directors George Leis, Gerald J. Ford, Carl B. Webb, Richard A. Nightingale, John R. Mackall, Mark K. Olson, D. Vernon Horton, William R. Loomis, Edward E. Birch, Kathy J. Odell, Clayton C. Larson, Gordon J. Wahlgren and Mary Mascolo;

 

Mr. Forouzandeh,

 

Santa Barbara Bank & Trust, in 2007 immediately breached the 2007 Forbearance and Workout Agreement as seen in the May 6, 2011 and May 19, 2011 letters by Diana Jessup Lee!  Please see the two different amortization schedules prepared by Santa Barbara Bank & Trust at www.sbbtfraud.com  

 

Santa Barbara Bank & Trust States on November 23, 2011.  Our response is as follows:  The $390,996.91 was calculated using the fixed interest rate of 6% set forth in the Forbearance Agreement.”

 

This fixed rate that Santa Barbara Bank & Trust is claiming has broken the 2007 Forbearance agreement by overcharging my SBA PLP Loan # 664-196-4009 by $240.86 as seen below!  Santa Barbara Bank & Trust did not have a legal right to charge $4,121.06 per month against SBA Form 147 Noted signed with Santa Barbara Bank & Trust on October 6, 2003!

Date

Description

Category

Debit

Credit

Balance

11/4/2011

EFF 11/03/2011

 

 

$4,121.06

$390,996.91

10/11/2011

Regular Payment

 

 

$4,121.06

$390,996.91

9/16/2011

Automatic

 

$206.05

 

$390,996.91

Mr. Forouzandeh,  Please explain as to why Santa Barbara Bank & Trust has stated to the U.S. Small Business Administration on August 29, 2011 that my principal Balance was $390,996.91 as you state:  The $390,996.91 balance appears on SBBT's online account access for your loan because that system has not been updated to rescind the terms of the Forbearance Agreement and has accordingly not re-calculated or re-amortized your loan based on the original loan terms.”

 

In Regards to the Original Loan Terms, please explain as to why Santa Barbara Bank & Trust has ignored SBA Form 147 Note since the June 30, 2007 Forbearance and Workout Agreement?

 

Robert Forouzandeh State Bar # 247177; As you are my designated person; at Santa Barbara Bank & Trust to ask banking questions of.  Can you explain as to why Santa Barbara Bank & Trust is charging my SBA loan $4,121.06 per month as seen online?  This payment per SBA Form 147 Note should have been $3,880.20 per month!

 

Again, How did Santa Barbara Bank & Trust come up with a principal balance owed of $400,962.89 in their Proof of Claim for Judge Robin L. Riblet dated October 28, 2011?

 

Robert Forouzandeh State Bar # 247177 -- Santa Barbara Bank & Trust claims on 11/28/2011 that they are owed $45,171.20 in deferred and defaulted payments past due!  Please explain as to how Santa Barbara Bank & Trust can claim this amount, when Santa Barbara Bank & Trust on September 30, 2008 informed the SBA. “In addition interest has been paid current and the loan is fully secured with real estate.” ????   Please explain this to myself and those attached above along with Judge Robin L. Riblet!

 

Robert Forouzandeh and Diana Jessup Lee, Please explain as to why the July 6, 2007 payment of $22,274.46 was not credited to any Principal as seen in the May 5, 2011 amortization schedule?  Please explain as to why Santa Barbara Bank & Trust has stolen $5,200.00 in the 2007 forbearance agreement principal?  Notice the Santa Barbara Bank & Trust Loan Payment History attached above showing the $22,274.46 five payments going to interest only and none to principal!  What has Santa Barbara Bank & Trust done with my $5,200.00 in principal not applied to my Oceano Nursery SBA Loan in the 2007 forbearance agreement?  This statement on June 19, 2011 by Diana Jessup Lee is unacceptable and false!  4.  Your July 2007 payment of $22,274.46 was used "to pay the monthly principal and interest payments owing on Note for the earliest five monthly past due payments (May, 2006, June, 2006, July, 2006, August, 2006 and September, 2006)" exactly as stated in the Forbearance Agreement (emphasis added).  This has been explained to you repeatedly.  See my May 19, 2011 letter as well as the charts enclosed with my May 6, 2011 letter.  I do not intend to continue repeating myself, so please do not keep asking this same question.”

Attached is the August 29, 2011 Lenders Transcript of Account showing only interest payments from 7/6/07—9/2/08 against the 2007 Forbearance Agreement (emphasis added).  No Principal was paid from May 2006 to September 2006!  Attached is the May 19, 2011 letter from Diana Jessup Lee per her June 29, 2011 email attached!

 

Attached is a July 16, 2008 OCC letter showing that Santa Barbara Bank & Trust, claim that the $22,274.46 is applied to Principal and Interest. Why would Santa Barbara Bank & Trust misapply this principal paid SBBT, from my Oceano Nursery SBA loan against the OCC‘s July 16, 2008 letter.  Why would Santa Barbara Bank & Trust charge $1,953.45 in attorney fees as seen in this OCC letter from 6/30-9/30/2007 against the June 30, 2007 Forbearance And Workout Agreement?

 

Robert Forouzandeh and Diana Jessup Lee, Please explain the letter attached that was written by Diana Jessup Lee on May 19, 2011 claiming that on July 6, 2007 $487,469.96 was owed on the Oceano Nursery SBA loan before the five payments of $22,274.46 with Santa Barbara Bank & Trust just subtracting, interest bringing this loan down to $465,195.50 and stealing $5,200.00 of principal from Bill Bookout and Oceano Nursery?  Robert Forouzandeh and Diana Jessup Lee, again I am asking Santa Barbara Bank & Trust to cancel the May 19, 2011 NOD filed on the Oceano Nursery property and the 470 Price Street property!

Robert Forouzandeh and Diana Jessup Lee, attached are a few emails from both of you claiming that Santa Barbara Bank & Trust paid principal on the $22,274.46 for the five payments per the forbearance agreement!  Please explain to myself, Judge Robin L. Riblet, the San Luis Obispo District Attorney and the San Luis Obispo Police Department attached above as to what Santa Barbara Bank & Trust has done with this $5,200.00 of my principal paid towards my SBA loan in 2007?  This principal paid does not show up in the SBA Form 1149 prepared by Santa Barbara Bank & Trust on August 29, 2011.  The deferred payments claimed of $45,171.20 does not show up in SBA Form 1149 prepared by SBBT on August 29, 2011!

 

Santa Barbara Bank & Trust had the ability to properly amortize the Oceano Nursery SBA Loan in 2007 with the Forbearance Agreement.  This could have been done by Santa Barbara Bank & Trust taking the June 23, 2007 (Payment Notice) showing a Loan Balance of $420,024.30 plus the Previous Due of $52,749.75 added together totaling $472,774.05 and then subtracting the $22,274.46 bring a balance down to $450,499.59 and then subtracting the $5,200.00 of principal not accounted for by Santa Barbara Bank & Trust bringing the proper principal owed down to $445,299.59 with a August 1, 2007 monthly payment of $3,880.20 instead of the $4,121.06 charged against SBA Form 147 Note signed on October 6, 2003!

 

In 2007 Extra Principal Paid was $2,236.82.  The SBA loan should have been re amortized in 2007 and 2008 under terms per SBA Form 147 Note.

In 2008 Extra Principal Paid was $631.52.   The SBA loan should have been re amortized in 2009 under terms per SBA Form 147 Note.

In 2009 Extra Principal Paid was $473.64.  The SBA loan should have been re amortized in 2010 under terms per SBA Form 147 Note.

Loan Summary Santa Barbara Bank & Trust

Principal:

$445299.59

Interest Rate:

6%

Loan Term:

171 months

Number of Payments:

171

Monthly Payment:

$3,880.20

Total Principal Paid:

$445,299.59

Total Interest Paid:

$218,214.93

Total Paid:

$663,514.52

 

Santa Barbara Bank & Trust online accounting as of November 20, 2011 showing a Principal Balance of $390,996.91 instead of the Proof of Claim presented to Judge Robin L. Riblet.  The Principal balance is not $400,962.89 claimed to Judge Robin J. Riblet.

Date

Description

Category

Debit

Credit

Balance

11/4/2011

EFF 11/03/2011

 

 

$4,121.06

$390,996.91

10/11/2011

Regular Payment

 

 

$4,121.06

$390,996.91

9/16/2011

Automatic

 

$206.05

 

$390,996.91

 

Robert Forouzandeh and Diana Jessup Lee, what has Santa Barbara Bank & Trust done with the $7,172.57 of extra principal paid in my SBA loan since July 6, 2007 as talked about in the June 29, 2011 email from Diana Jessup Lee?  The falsified Proof of Claim to the United States Bankruptcy Court on 10/28/2001 now claims a principal balance of $400,962.89 instead of the September 23, 2011 (Payment Notice) balance of $390,996.91 or the November 20, 2011 online balance!  Robert Forouzandeh and Diana Jessup Lee, Why would Santa Barbara Bank & Trust Falsify Bank Accounting to the United States Bankruptcy Court Judge Robin J. Riblet dated 10/28/11?

Diana Jessup Lee in her May 19, 2011 letter has provided evidence showing Santa Barbara Bank & Trust accounting records per payment notices!  This same Santa Barbara Bank & Trust accounting is seen openly in the September 23, 2011 (payment notice)!  The June 23, 2007 Payment Notice by Santa Barbara Bank & Trust is undisputed!  Why has Santa Barbara Bank & Trust charged two monthly payments of $4,121.06 for the October and November 2011 payments against SBA Form 147 Note?

 

Please again read the email below on August 1, 2011 to Robert Forouzandeh

 

Robert Forouzandeh and Diana Jessup Lee, This is again a Written Demand Letter of Santa Barbara Bank & Trust to Rescind the Fraudulent NOD filed on May 19, 2011 on the Oceano Nursery property and the Pismo Beach Property within one week of November 18, 2011!  Please let the Santa Barbara Bank & Trust Board of Directors George Leis, Gerald J. Ford, Carl B. Webb, Richard A. Nightingale, John R. Mackall, Mark K. Olson, D. Vernon Horton, William R. Loomis, Edward E. Birch, Kathy J. Odell, Clayton C. Larson, Gordon J. Wahlgren and Mary Mascolo; Make this decision after reviewing the documents attached and your most recent communication on November 23, 2011!  

 

Sincerely

 

Bill Bookout

 

CC California State Attorney General, Kamala D. Harris

      California Department of Justice

      P. O. Box 944255

      Sacramento, Ca 94244-2550

 

CC Judge Robin L. Riblet---Exhibit # 22


From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Wednesday, November 23, 2011 10:22 AM
To: Bill Bookout
Cc: Richard Rossi; sanschromo@yahoo.com; kgrant@silcom.com; Diana Lee
Subject: FW: Santa Barbara Bank & Trust Loan Fraud and Breach of Contract SBA PLP Loan # 664-196-4009

 

Mr. Bookout:

 

Since you have retained legal counsel, I have stated to you on more than three occasions now, any questions, comments or concerns pertaining to your SBBT loan should be directed through your attorneys only.

 

With that being said, I did notice one new question that you have posed in your email below which does not pertain to any legal matters and I will proceed to answer it at this time and CC your attorneys on this email so that it is not construed as an ex parte communication.

 

You ask: "How did Santa Barbara Bank & Trust come up with a principal balance owed of $400,962.89..."  In doing so, you post what appears to be a cut and paste excerpt from SBBT's website which shows a principal balance of $390,996.91 for the loan. 

 

Our response is as follows:  The $390,996.91 was calculated using the fixed interest rate of 6% set forth in the Forbearance Agreement.  Due to your default of the Forbearance Agreement, the Forbearance Agreement was rescinded (as permitted by its terms) and the principal amount of the loan was re-calculated and re-amortized going back to the date of the Forbearance Agreement using the interest rate of Prime + 2% (as required in your original loan) for the time period between the date of the Forbearance Agreement and the date of the Proof of Claim with the loan being re-amortized on a yearly basis per SBA loan rules.  The Prime Rate during that period varied between 3.25%-8.25% and thus the interest rate for your loan during that period of time varied between 5.25%-10.25%.  Since the interest rate was higher than the fixed 6% rate for much of this period, when the loan was re-calculated and re-amortized under the original loan terms, your principal amount increased to $400,962.89 due to the higher interest rate and the fact that you failed to make any payments for a large portion of that period of time.  The $390,996.91 balance appears on SBBT's online account access for your loan because that system has not been updated to rescind the terms of the Forbearance Agreement and has accordingly not re-calculated or re-amortized your loan based on the original loan terms.

 

I hope this answers your question.  Again, please direct any future questions, comments or concerns through your attorneys only.

 

Robert B. Forouzandeh

Attorney at Law

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

 

Tel:  805-966-2440

Fax:  805-966-3320

E-mail: rforouzandeh@rppmh.com

Website:  www.reickerpfau.com

------------------------------------------------------------------------------------

This e-mail may contain confidential and privileged material for the sole use of the intended recipient.  Any review or distribution by others is strictly prohibited.  If you are not the intended recipient, please contact the sender and delete this e-mail.

 


From: Bill Bookout [mailto:pismobeachsurfshop@charter.net]
Sent: Monday, November 21, 2011 4:44 PM
To: Diana Lee
Cc: lol@rsmediate.com; 'LeSieur, Debbie'; 'Karen Grant'
Subject: RE: Santa Barbara Bank & Trust Loan Fraud and Breach of Contract SBA PLP Loan # 664-196-4009

Santa Barbara Bank & Trust

Diana Jessup Lee State Bar # 155191

 

Diana Jessup Lee,

 

As you are my designated person; at Santa Barbara Bank & Trust to ask banking questions of. Can you explain as to why Santa Barbara Bank & Trust is charging my SBA loan $4,121.06 per month as seen online?

 

How did Santa Barbara Bank & Trust come up with a principal balance owed of $400,962.89 in their Proof of Claim for Judge Robin L. Riblet dated October 28, 2011?

 

Sincerely

 

Bill Bookout

 

CC California State Attorney General, Kamala D. Harris

      California Department of Justice

      P. O. Box 944255

      Sacramento, Ca 94244-2550

 

CC Judge Robin L. Riblet---Exhibit # 22

 

Account Activity

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SBA Term Loan

Account Name:

SBA Term Loan

Account #:

xxxxxx3501

Principal Balance:

$390,996.91

Interest Rate:

6%

Interest Accrued:

$36,106.57

Payment Due Date:

3/6/2010

Payment Due:

$4,121.06

Late Charges Due:

$6,919.46

Fees Due:

$0.00

Open Date:

10/10/2003

Original Loan Amount:

$450,000.00

Maturity Date:

10/6/2021

Interest Paid YTD:

$8,242.12

Interest Paid Last Year:

$0.00

 

 

 

 


From: Bill Bookout [mailto:pismobeachsurfshop@charter.net]
Sent: Monday, November 21, 2011 6:59 AM
To: 'Robert Forouzandeh'
Cc: 'Chris Gautschi'; 'Richard Rossi'; 'Diana Lee'; 'rmiller@newtimesslo.com'; 'crigley@newtimesslo.com'; 'lol@rsmediate.com'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'Koznek, Jeff'; 'danhil@charter.net'; 'ajsantana@co.slo.ca.us'; 'dvallely@co.slo.ca.us'; 'Thomas Cregger'; 'Karen Grant'; 'Pamela Brinks'
Subject: RE: Santa Barbara Bank & Trust Loan Fraud and Breach of Contract SBA PLP Loan # 664-196-4009

 

November 21, 2011

 

Santa Barbara Bank & Trust Board of Directors George Leis, Gerald J. Ford, Carl B. Webb, Richard A. Nightingale, John R. Mackall, Mark K. Olson, D. Vernon Horton, William R. Loomis, Edward E. Birch, Kathy J. Odell, Clayton C. Larson, Gordon J. Wahlgren and Mary Mascolo;

 

Robert Forouzandeh State Bar # 247177   

Diana Jessup Lee State Bar # 155191

 

Robert Forouzandeh and Diana Jessup Lee,

 

Thank you, for Santa Barbara Bank & Trusts position on the May 19, 2011 NOD filed by Santa Barbara Bank & Trust.  Your Statement on November 18, 2011 is taken as the official statement by Santa Barbara Bank & Trust Attorneys, per the Fraud and Breach of Contract committed by Santa Barbara Bank & Trust since 2003! 

“With that being said, as I have done on countless occasions in the past, I deny each and every one of the false allegations that you have set forth in your email below.  There is nothing deficient about the May 19, 2011 NOD.  Santa Barbara Bank and Trust will not rescind it.  We have reviewed all of the information pertaining to this NOD and it is valid.

 

Robert Forouzandeh and Diana Jessup Lee, This is again a Written Demand Letter of Santa Barbara Bank & Trust to Rescind the Fraudulent NOD filed on May 19, 2011 on the Oceano Nursery property and the Pismo Beach Property within one week of November 18, 2011!  Please let the Santa Barbara Bank & Trust Board of Directors George Leis, Gerald J. Ford, Carl B. Webb, Richard A. Nightingale, John R. Mackall, Mark K. Olson, D. Vernon Horton, William R. Loomis, Edward E. Birch, Kathy J. Odell, Clayton C. Larson, Gordon J. Wahlgren and Mary Mascolo; make this decision after reviewing the documents attached!   

 

Robert Forouzandeh and Diana Jessup Lee, Please pay attention to the articles and comments below by Barry Cappello

“History shows that whenever the economy is hurting, there are always a percentage of lenders who behave badly and literally drive a borrower into default.”

Cappello cautions, “Unless lenders are willing to work with their commercial borrowers, they may be faced with unmanageable REO portfolios as well as protracted multi-million-dollar lender liability litigation. Commercial borrowers will fight to keep ownership of their property. If there are violations of due process in the foreclosure procedure or illegal banking practices, you can be sure commercial borrowers will seek legal redress.”

Judge Robin L. Riblet, commented at the hearing on November 18, 2011 about the Inverse Condemnation per the County and Rail Road claim.  Please note that Santa Barbara Bank & Trust is responsible for any and all Judgments and Liens per the SBBT requirement in the Deed of Trust to Fight Inverse Condemnation.  This is again backed up in the 2007 forbearance and workout agreement presented to Judge Robin L. Riblet, by Santa Barbara Bank & Trust. A discussion was held outside of the court room with Union Pacific Rail Road and Karen L. Grant on this issue.

 

Robert Forouzandeh and Diana Jessup Lee, Attached above are 42 documents showing Santa Barbara Bank & Trusts Fraud and Breach of Contract since 2003!  Please pay close attention to the letters from Diana Jessup Lee on May 6, 2011 and May 19, 2011.  Santa Barbara Bank & Trust is not owed deferred payments as stated May 6, 2011!  Please review the SBBT letter attached September 30, 2008!

 

In the Santa Barbara Bank & Trusts Proof of claim to the United States Bankruptcy Court Judge Robin L. Riblet on October 28, 2011; Please explain as to why Santa Barbara Bank & Trust is claiming $55,137.18 dollars from the Oceano Nursery SBA loan, that is not owed Santa Barbara Bank & Trust?  How can this be legal in California Banking?  This in itself makes the May 19, 2011 NOD Fraudulent!  This falsified amount owed has had an impact on the November 18, 2011 hearing in front of Judge Robin L. Riblet.

 

Santa Barbara Bank & Trust claims on 11/28/2011 that they are owed a principal balance of $400,962.89.  In the SBA form 1149 provided by Santa Barbara Bank & Trust on August 29, 2011 to the U.S. Small Business Administration.  SBBT states the Principal Balance was $390,996.91!  Why is Santa Barbara Bank & Trust now claiming they are owed an additional $9,965.98 to Judge Robin L. Riblet?  Please explain this to myself and those attached above along with Judge Robin L. Riblet!

 

Santa Barbara Bank & Trust claims on 11/28/2011 that they are owed $45,171.20 in deferred and defaulted payments past due!  Please explain as to how Santa Barbara Bank & Trust can claim this amount, when Santa Barbara Bank & Trust on September 30, 2008 informed the SBA. “In addition interest has been paid current and the loan is fully secured with real estate.” ????   Please explain this to myself and those attached above along with Judge Robin L. Riblet!

 

Mr. Robert Forouzandeh, Please pay attention to your August 1, 2011 and August 2, 2011 emails below!   Santa Barbara Bank & Trust is not owed $45,171.20 as claimed in the May 19, 2011 NOD! The July 27, 2011 statement sent from Santa Barbara Bank and Trust does not include the amounts owed by you for the deferred payments under the Forbearance Agreement.  When you breached the Forbearance Agreement by going into default on your loan, pursuant to contract, the deferred payments were accelerated and due in full immediately.”

 

Santa Barbara Bank & Trust on August 29, 2003 obtained an SBA authorization for the Oceano Nursery SBA loan as seen and signed above by SBBT on August 29, 2003.  The October 6, 2003 signed Loan Agreement shows this August 29, 2003 SBA Authorization.  The August 27, 2003 Loan Committee Presentation Report shows the purpose of the Oceano Nursery SBA August 29, 2003 loan Authorization just prior to the contract between the SBA and Santa Barbara Bank & Trust.  Explain the Fraud that has been committed by Santa Barbara Bank & Trust in changing the SBA loan Authorization on October 1, 2003 in what is called a collateral Modification attached?  Santa Barbara Bank & Trust does not have a legal right to be in the Second Position on the 470 Price Street property with this Fraud!  This issue should be investigated by the California State Attorney General, Kamala D. Harris.

 

Robert Forouzandeh and Diana Jessup Lee, Please explain as to why Santa Barbara Bank & Trust has a second on the Pismo Beach Dive Shop and the Pismo Beach Surf Shop property at 470 Price Street?  Notice the Fraud committed on 10/1/03 in the original August 29, 2003 SBA Loan Authorization attached above!  Please explain this to myself and those attached!

 

Santa Barbara Bank & Trust claims in the May 19, 2011 NOD and the Loan amortization schedule prepared by SBBT on May 5, 2011; that on July 6, 2007 SBBT was owed $465,195.50 after paying $22,274.46!  Robert Forouzandeh and Diana Jessup Lee, Please explain as to why in the June 23, 2007 Payment Notice that my total debt was $472,774.05 and in the May 5, 2011 amortization schedule prepared by Santa Barbara Bank & Trust this debt is raised up to $487469.96?  What Bank records has Santa Barbara Bank & Trust used to show this undocumented difference of $14,695.91 claimed owed by Santa Barbara Bank & Trust?  Please make these Santa Barbara Bank & Trust records used public if they are different then the SBBT records attached above!  This issue should be investigated by the California State Attorney General, Kamala D. Harris.

 

Robert Forouzandeh and Diana Jessup Lee, Please explain as to why the July 6, 2007 payment of $22,274.46 was not credited to any Principal as seen in the May 5, 2011 amortization schedule?  Please explain as to why Santa Barbara Bank & Trust has stolen $5,200.00 in the 2007 forbearance agreement principal?  Notice the Santa Barbara Bank & Trust Loan Payment History attached above showing the $22,274.46 five payments going to interest only and none to principal!  What has Santa Barbara Bank & Trust done with my $5,200.00 in principal not applied to my Oceano Nursery SBA Loan in the 2007 forbearance agreement?  This statement on June 19, 2011 by Diana Jessup Lee is unacceptable and false!  4.  Your July 2007 payment of $22,274.46 was used "to pay the monthly principal and interest payments owing on Note for the earliest five monthly past due payments (May, 2006, June, 2006, July, 2006, August, 2006 and September, 2006)" exactly as stated in the Forbearance Agreement (emphasis added).  This has been explained to you repeatedly.  See my May 19, 2011 letter as well as the charts enclosed with my May 6, 2011 letter.  I do not intend to continue repeating myself, so please do not keep asking this same question.”

Attached is the August 29, 2011 Lenders Transcript of Account showing only interest payments from 7/6/07—9/2/08 against the 2007 Forbearance Agreement (emphasis added).  No Principal was paid from May 2006 to September 2006!  Attached is the May 19, 2011 letter from Diana Jessup Lee per her June 29, 2011 email attached!

 

Attached is a July 16, 2008 OCC letter showing that Santa Barbara Bank & Trust, claims that the $22,274.46 is applied to Principal and Interest. Why would Santa Barbara Bank & Trust misapply this principal paid SBBT, from my Oceano Nursery SBA loan against the OCC‘s July 16, 2008 letter.  Why would Santa Barbara Bank & Trust charge $1,953.45 in attorney fees as seen in this OCC letter from 6/30-9/30/2007 against the forbearance agreement?

 

Robert Forouzandeh and Diana Jessup Lee, Please explain the letter attached that was written by Diana Jessup Lee on May 19, 2011 claiming that on July 6, 2007 $487,469.96 was owed on the Oceano Nursery SBA loan before the five payments of $22,274.46 with Santa Barbara Bank & Trust just subtracting, interest bringing this loan down to $465,195.50 and stealing $5,200.00 of principal from Bill Bookout and Oceano Nursery?  Robert Forouzandeh and Diana Jessup Lee, again I am asking Santa Barbara Bank & Trust to cancel the May 19, 2011 NOD filed on the Oceano Nursery property and the 470 Price Street property!

Robert Forouzandeh and Diana Jessup Lee, attached are a few emails from both of you claiming that Santa Barbara Bank & Trust paid principal on the $22,274.46 for the five payments per the forbearance agreement!  Please explain to myself, the District Attorney and the San Luis Obispo Police Department attached above as to what Santa Barbara Bank & Trust has done with this $5,200.00 of my principal paid towards my SBA loan in 2007?  This principal paid does not show up in the SBA Form 1149 prepared by Santa Barbara Bank & Trust on August 29, 2011.  The deferred payments claimed of $45,171.20 does not show up in SBA Form 1149 prepared by SBBT on August 29, 2011!

 

Santa Barbara Bank & Trust had the ability to properly amortize the Oceano Nursery SBA Loan in 2007 with the Forbearance Agreement.  This could have been done by Santa Barbara Bank & Trust taking the June 23, 2007 (Payment Notice) showing a Loan Balance of $420,024.30 plus the Previous Due of $52,749.75 added together totaling $472,774.05 and then subtracting the $22,274.46 bring a balance down to $450,499.59 and then subtracting the $5,200.00 of principal not accounted for by Santa Barbara Bank & Trust bringing the proper principal owed down to $445,299.59 with a August 1, 2007 monthly payment of $3,880.20 instead of the $4,121.06 charged against SBA Form 147 Note!

 

In 2007 Extra Principal Paid was $2,236.82.  The SBA loan should have been re amortized in 2007 and 2008 under terms per SBA Form 147 Note.

In 2008 Extra Principal Paid was $631.52.   The SBA loan should have been re amortized in 2009 under terms per SBA Form 147 Note.

In 2009 Extra Principal Paid was $473.64.  The SBA loan should have been re amortized in 2010 under terms per SBA Form 147 Note.

Loan Summary Santa Barbara Bank & Trust

Principal:

$445299.59

Interest Rate:

6%

Loan Term:

171 months

Number of Payments:

171

Monthly Payment:

$3,880.20

Total Principal Paid:

$445,299.59

Total Interest Paid:

$218,214.93

Total Paid:

$663,514.52

 

Santa Barbara Bank & Trust online accounting as of November 20, 2011 showing a Principal Balance of $390,996.91 instead of the Proof of Claim presented to Judge Robin L. Riblet.  The Principal balance is not $400,962.89 claimed to Judge Robin J. Riblet.

Date

Description

Category

Debit

Credit

Balance

11/4/2011

EFF 11/03/2011

 

 

$4,121.06

$390,996.91

10/11/2011

Regular Payment

 

 

$4,121.06

$390,996.91

9/16/2011

Automatic

 

$206.05

 

$390,996.91

 

Robert Forouzandeh and Diana Jessup Lee, what has Santa Barbara Bank & Trust done with the $7,172.57 of extra principal paid in my SBA loan since July 6, 2007 as talked about in the June 29, 2011 email from Diana Jessup Lee?  The falsified Proof of Claim to the United States Bankruptcy Court on 10/28/2001 now claims a principal balance of $400,962.89 instead of the September 23, 2011 (Payment Notice) balance of $390,996.91 or the November 20, 2011 online balance!  Robert Forouzandeh and Diana Jessup Lee, Why would Santa Barbara Bank & Trust Falsify Bank Accounting to the United States Bankruptcy Court Judge Robin J. Riblet dated 10/28/11?

Diana Jessup Lee in her May 19, 2011 letter has provided evidence showing Santa Barbara Bank & Trust accounting records per payment notices!  This same Santa Barbara Bank & Trust accounting is seen openly in the September 23, 2011 (payment notice)!  The June 23, 2007 Payment Notice by Santa Barbara Bank & Trust is undisputed!  Why has Santa Barbara Bank & Trust charged two monthly payments of $4,121.06 for the October and November 2011 payments against SBA Form 147 Note?

 

Again, this is a written demand of Santa Barbara Bank & Trust to Rescind the Fraudulent NOD filed on May 19, 2011 on the Oceano Nursery property and the Pismo Beach Property within one week of November 18, 2011!  With the documents attached, Santa Barbara Bank & Trust Board of Directors; have full knowledge of the Santa Barbara Bank & Trusts actions since 2003!   

Please again read the email below on August 1, 2011 to Robert Forouzandeh!

 

Sincerely

 

Bill Bookout

 

CC California State Attorney General, Kamala D. Harris

      California Department of Justice

      P. O. Box 944255

      Sacramento, Ca 94244-2550

 

CC Judge Robin L. Riblet---Exhibit # 22

CC Barry A. Cappello Lender Liability

CC Karen L. Grant State Bar # 122084

CC Chris Gautschi [sanschromo@yahoo.com]

CC San Luis Obispo District Attorney

CC San Luis Obispo Police Department Case # 111108022

CC Adam D. Kaplan Office of Inspector General OIG complaint ID # 20110484

CC Thomas Cregger –Union Pacific Rail Road

Day of Reckoning Has Arrived For Commercial Real Estate Lenders

  Category : Lender Liability,News  

For Immediate Release: October 11, 2011

Day of Reckoning Has Arrived For Commercial Real Estate Lenders

SANTA BARBARA, CALIF.–A collapse of the commercial real estate sector will be catastrophic to financial institutions and the economy so lenders must act now to avoid such a financial debacle, says A. Barry Cappello, nationally renowned attorney specializing in lender liability law.

“With the exception of prime properties in large cities such as Los Angeles and New York, commercial real estate has been an unmitigated disaster,” says Cappello, managing partner in the Santa Barbara, Calif.-based Cappello & Noël and author of Lender Liability. “TARP helped banks survive the housing mortgage meltdown. That money won’t be there when commercial loans start to fall apart, which we’re already seeing.”

Unlike residential housing borrowers, commercial borrowers can have tens of millions of dollars tied up in a single property. “Banks are beginning to foreclose on commercial properties, but that is the absolutely wrong way out,” says Cappello.

Cappello suggests that instead of foreclosing, lenders should renegotiate interest rates and principal or even arrange short sales with borrowers. “These are unique times and they call for creative action,” says Cappello. “Banks need to be flexible. This is especially true when lender liability is an issue. When banks become nervous, and we are in very nervous times, some lenders overreach and breach their loan agreements with their borrowers–whether the borrowers are behind in their loan payments or not. History shows that whenever the economy is hurting, there are always a percentage of lenders who behave badly and literally drive a borrower into default.”

Cappello cautions, “Unless lenders are willing to work with their commercial borrowers, they may be faced with unmanageable REO portfolios as well as protracted multi-million-dollar lender liability litigation. Commercial borrowers will fight to keep ownership of their property. If there are violations of due process in the foreclosure procedure or illegal banking practices, you can be sure commercial borrowers will seek legal redress.”

Do not expect a commercial real estate disaster to drag on like the housing fiasco. “Banks can’t count on another government bailout. They’re on their own when it comes to commercial loans,” says Cappello. “It’s in their best interest to work out financing solutions with their commercial borrowers. If they don’t, some banks simply won’t survive and they will drag the economy down with them.”

###

 

Lender Liability in Looming Commercial Lending Crisis – FindLaw

  Category : News  

2011-10-03

By Editorial Staff of FindLaw

SANTA BARBARA, CALIF. — Business borrowers are beginning to feel the ripple effects of the financial crisis as lenders tighten commercial lending in a cautionary attempt to stop further erosion of capital and assets, says lender liability expert A. Barry Cappello, managing partner with the Santa Barbara law firm of Cappello & Noel, LLP. He says the coming commercial credit crunch will be hard felt–especially by small businesses and borrowers in certain industries.

Cappello, author of Lender Liability (Juris Publishing) and nationally recognized as the pioneer in lender liability law, says the lending contraction in the commercial sector will be more severe than that which occurred in the late 1980s and early 1990s when the savings and loan meltdown and lender misconduct resulted in multi-million dollar jury verdicts and settlements for business borrowers.

“National lenders are writing off hundreds of millions, even billions of dollars in subprime and ARM loans,” explains Cappello.” They are bloodied by their ill-conceived collateralized debt obligation forays. They are now turning to their commercial portfolio to see where they can cut to stop new bleeding. Lenders are in write-down mode.”

Cappello says commercial borrowers should not feel relief on news that banks are swallowing up investment banks. “These banks are getting in over their head and the buyouts just mean less available funds for borrowers,” cautions Cappello.

Credit is already tight in the transportation, housing and manufacturing sectors, notes Cappello. “Even if your business is healthy, if you’re in one of these sectors, you can be sure your lender is reviewing your file and deciding whether it wants to continue the relationship. I’m getting calls to my office from business borrowers whose commercial lending relationship is souring,” he says.

Cappello advises business borrowers to turn to regional banks for their borrowing needs and avoid national lenders altogether. “Regional banks, for the most part, didn’t gamble with their home loans so financially they are in better shape. They aren’t jeopardizing their viability by buying financially troubled investment banks,” says Cappello. “On the other hand, national lenders are hunkering down. They are less likely to extend new credit. Their primary concern now is to wipe their losses from the books so they can show their shareholders a profit in the next year or two.”

Cappello represents business borrowers who feel their lenders have overstepped their legal authority. “When a bank decides it wants to stop lending to certain types of businesses that’s when lender liability usually occurs,” says Cappello. “Lenders are tempted to arbitrarily change loan terms with current customers, grab collateral and make unrealistic payment demands. There are laws that forbid them to do that.”

Besides reading the fine print of your loan agreement and getting every verbal promise in writing, Cappello suggests, “Avoid using personal guarantees to secure a business loan. If you must use a personal guarantee, require language in the loan documents that state the bank has to go against business collateral first. Some lenders also seek to collaterize intellectual property. I can’t think of any bank loan that would be worth the risk of losing your rights to the intellectual property that built your business.”

Cappello warns businesses to be cautious if their lender is bought out by another bank. “A lending relationship is a personal relationship,” notes Cappello. “If your loan officer is suddenly replaced by a new loan officer, you lose an important ally who knew your business and could stand up for you.”


From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Tuesday, August 02, 2011 10:04 AM
To: Bill Bookout
Subject: RE: Bookout/PCB Mediation per thier Bank Fraud and Breach of Contract since 2007

 

Mr. Bookout,

 

The July 27, 2011 statement sent from Santa Barbara Bank and Trust does not include the amounts owed by you for the deferred payments under the Forbearance Agreement.  When you breached the Forbearance Agreement by going into default on your loan, pursuant to contract, the deferred payments were accelerated and due in full immediately.  Accordingly, they were added to the notice of default amount.  Nonetheless, as a token of good faith, if you pay the amount set forth on the July 27, 2011 statement ($102,859.01), Santa Barbara Bank and Trust will accept this as a complete cure of your default on your loan which is now in its 21st month. 

 

All of the other questions you refer to in your email were fully and completely answered in the various emails from Ms. Lee to you that I identified in my August 1, 2011 email to you. Please go back and review them in depth and you will find answers to all of your questions, including how the May Notice of Default was calculated.

Thank you.

 

Robert

 


From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Monday, August 01, 2011 5:47 PM
To: Robert Forouzandeh
Cc: sandiego@sba.gov; 'Marianne Partridge -'; 'Nick Welsh -'; 'Michelle Drown -'; 'Matt Kettmann -'; dkatich@newspress.com; wmccaw@newspress.com; avw@newspress.com; rmiller@newtimesslo.com; aschwellenbach@newtimesslo.com; velie@calcoastnews.com; assignmentdesk@keyt.com; Customer.Assistance@occ.treas.gov; Carlos.Mendoza@sba.gov; sbcountyda@co.santa-barbara.ca.us; ombudsman@fdic.gov; sandiego@sba.gov; Lcannon@dfi.ca.gov; legal@fdic.gov; barney@independent.com; dporter@dfi.ca.gov; lol@rsmediate.com; begelko@sfchronicle.com
Subject: RE: Bookout/PCB Mediation per thier Bank Fraud and Breach of Contract since 2007

August 1, 2011

 

Office of the Comptroller of the Currency Case # 01394465 – Case # 770567

 

Robert Forouzandeh,

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

 

Mr. Robert Forouzandeh,

 

RE: Santa Barbara Bank & Trusts, Fraud and Breach of Contract since July 2007. 

 

1)       Please see that the questions asked of Mr. Mark K. Olson and Mr. Nightingale on June 3, 2011 as seen below are answered!

2)       Please see that the questions below asked of Diana Jessup Lee on June 2, 2011 are answered!

3)       Please see that the questions asked of Diana Jessup Lee on June 27, 2011 as seen below are answered!

4)       Please see that the questions asked of Diana Jessup Lee on July 4, 2011 as seen below are answered!

5)       Please see that the questions asked of Diana Jessup Lee on July 16, 2011 as seen below are answered!

6)       Please see that the questions asked of Diana Jessup Lee on July 20, 2011 as seen below are answered!

 

Mr. Forouzandeh, Please explain why the NOD filed May 19, 2011 for $111,024.71 is a larger amount then the Santa Barbara Bank & Trust July 24, 2011 payment notice?  Please pay close attention to the Fidelity National Title Company email below dated May 26, 2011 along with the SBBT payment notice attached!  You will notice that $78,300.14 divided by 19 is $4,121.06 per month!  Why is Santa Barbara Bank & Trust still billing this amount with the SBBT Fraud seen in Diana Lee’s May 19, 2011 letter attached?

 

Robert Forouzandeh, Please explain how you had come up with the $45,171.20 again as this is not seen in the Santa Barbara Bank & Trust payment notice and is not mentioned in the Office of the Comptroller of the Currency Case # 01394465 – Case # 770567 June 30, 2011 findings?

 

Please see that Christine Sontag; the Santa Barbara Bank & Trust and Pacific Capital Bancorp Board of Directors---George Leis, Gerald J. Ford, Carl B. Webb, Richard A. Nightingale, John R. Mackall, Mark K. Olson, D. Vernon Horton, William R. Loomis, Edward E. Birch, Kathy J. Odell, Clayton C. Larson, Gordon J. Wahlgren and Mary Mascolo; -------Are fully aware of your statements in your email August 1, 2011!

 

Sincerely

 

Bill Bookout

 

CC Sharon Gilstrap and John Walsh

Office of the Comptroller of the Currency Case # 01394465
1301 McKinney Street, Suite 3450
Houston, Texas 77010-9050
Fax # 713-336-4301

 

CC U.S. Small Business Administration

 

Attorney General Kamala D. Harris

California Department of Justice

P. O. Box 944255

Sacramento, Ca 94244-2550

·                                

FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, MO 64106


From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Monday, August 01, 2011 4:45 PM
To: Bill Bookout
Cc: Diana Lee
Subject: RE: Bookout/PCB Mediation per thier Bank Fraud and Breach of Contract since 2007

 

Mr. Bookout,

 

I disagree with your assertion that Ms. Lee has been "unable to answer" your questions.  Ms. Lee has answered all of your questions repeatedly.  I would refer you to Ms. Lee's correspondences to you dated: May 6, May 26, May 31, June 28, July 5 and July 15, 2011 (among others), in which Ms. Lee has answered each and every one of your questions repeatedly.

 

If you have any new information or any new questions, please provide those to me and I will respond accordingly.

 

Thank you.

 

Robert B. Forouzandeh

Attorney at Law

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

 

Tel:  805-966-2440

Fax:  805-966-3320

E-mail: rforouzandeh@rppmh.com

Website:  www.reickerpfau.com

------------------------------------------------------------------------------------

This e-mail may contain confidential and privileged material for the sole use of the intended recipient.  Any review or distribution by others is strictly prohibited.  If you are not the intended recipient, please contact the sender and delete this e-mail.

 

 

Fiduciary breach for lenders is alive and well

  Category : Lender Liability  

By A. Barry Cappello

Note: This article appeared in the Letters to the Editor column of the Los Angeles Daily Journal, Sept, 20, 2011

This letter responds to “Reality check: A bank’s liability is not that simple,” by Jill Switzer (Sept. 1). In cautioning the reader not to assume that bank liability for depositor claims is “a snap,” Switzer states that “[t]he only situation in which a bank is a fiduciary is when the bank acts as a fiduciary, e.g., its trust department. In all other situations, the relationship between a bank and its depositor is simply one of debtor-creditor, founded on a contract – the deposit agreement. Price v. Wells Fargo Bank (1989) 213 Cal.App.3d 465.”

The citation to Price v. Wells Fargo, a lender case, suggests that a bank, as lender, can never be liable for fiduciary breach. As a litigator who has tried, settled, and written about lender liability cases for over three decades, I disagree with that suggestion.

Abundant case law supports imposing fiduciary liability against a lender in situations where the bank, as often occurs, acts as more than an arms’-length lender. Some examples are giving the borrower financial advice or related financial services, acting as agent of the borrower, exercising undue control over the borrower, or situations where the borrower clearly reposed trust and confidence in the lender. (See Rutherford v. Rideout Bank (1938) 11 Cal.2d 479 (confidence reposed in bank manager to provide business and financial advice); Credit Managers Ass’n. v. Superior Court (1975) 51 Cal.App.3d 352 (bank controlled business activities of borrower through compelled use of consultant); Frydman & Co. v. Credit Suisse First Boston Corp., 708 N.Y.S.2d 77 (N.Y.App.Div. 2000) (lender negotiated for borrower); Capital Bank v. MVB Inc., 644 So.2d 515 (Fla.Ct.App. 1994) (advising borrower to acquire defective assets from another of bank’s borrowers); Scott v. Dime Savings Bank, 866 F.Supp. 1073 (S.D.N.Y. 1995) (advising borrower to invest borrowed funds with bank’s investment arm); McFate v. Bank of America (1932) 125 Cal.App.683 (bank acted as agent for mortgagor, mortgagee, and escrow holder for plaintiff in mortgagor-plaintiff exchange); see also, Tate v. Saratoga Sav. & Loan Ass’n. (1989) 216 Cal.App.3d 843 (bank as joint venturer is a fiduciary); see, generally, A. Barry Cappello, “Lender Liability” (Juris Publishing 4th Edition).)

A litigator is well advised to consider fiduciary breach in any case where the lender has engaged in self-dealing, used one borrower to cover another borrower’s debt, tricked the borrower, exploited confidential information, or failed to disclose material information. These are facts that might ground a credible claim for fiduciary breach under existing case law. While lender liability for breach of fiduciary duty is not “a snap,” it is alive and well as a potential option in the right case.


From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Friday, November 18, 2011 4:33 PM
To: Bill Bookout
Cc: 'Chris Gautschi'; 'Richard Rossi'; Diana Lee
Subject: RE: plan

 

Mr. Bookout:

 

As I have repeatedly stated to you in the past, you are represented by counsel.  In fact, you have included them as recipients of your email.  Please direct any requests, demands or any other information through them and them only.  Please do not contact me directly again while you are represented by counsel.

 

With that being said, as I have done on countless occasions in the past, I deny each and every one of the false allegations that you have set forth in your email below.  There is nothing deficient about the May 19, 2011 NOD.  Santa Barbara Bank and Trust will not rescind it.  We have reviewed all of the information pertaining to this NOD and it is valid.

 

Robert B. Forouzandeh

Attorney at Law

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

 

Tel:  805-966-2440

Fax:  805-966-3320

E-mail: rforouzandeh@rppmh.com

Website:  www.reickerpfau.com

------------------------------------------------------------------------------------

This e-mail may contain confidential and privileged material for the sole use of the intended recipient.  Any review or distribution by others is strictly prohibited.  If you are not the intended recipient, please contact the sender and delete this e-mail.

 


From: Bill Bookout [mailto:pismobeachsurfshop@charter.net]
Sent: Friday, November 18, 2011 4:27 PM
To: Robert Forouzandeh
Cc: 'Chris Gautschi'; 'Richard Rossi'; Diana Lee; rmiller@newtimesslo.com; crigley@newtimesslo.com; lol@rsmediate.com; 'Kaplan, Adam D.(Off. Inspector Gen.)'
Subject: RE: plan

November 18, 2011

 

Santa Barbara Bank & Trust

 

Robert Forouzandeh and Diana Jessup Lee,

 

This is a written demand of Santa Barbara Bank & Trust to Rescind the fraudulent NOD filed on May 19, 2011 on the Oceano Nursery property and the Pismo Beach Property within one week of November 18, 2011!

 

I am willing to go back into mediation as both of you are now fully aware of the Santa Barbara Bank & Trust September 30, 2008 letter to the SBA showing the May 19, 2011 NOD to be false!  Both of you are familiar with the SBA Form 1149 presented at our last mediation by Santa Barbara Bank & Trust showing the May 19, 2011 NOD to be false.  Santa Barbara Bank & Trust has since made another SBA Form 1149 showing the fraud in the May 19, 2011 NOD.

 

Santa Barbara Bank & Trusts actions in 2007 are the cause of Oceano Nursery closing and are now causing major problems to my Pismo Beach businesses.  Again I am demanding that the May 19, 2011 NOD is immediately rescinded!

 

Santa Barbara Bank & Trust has over charged $45,171.20 in the May 19, 2011 NOD!  This is not legal!

 

Santa Barbara Bank & Trust is not owed $400,962.89 instead of the Principal Balance of $390,996.91 claimed on August 29, 2011 to the United States Small Business Administration by Santa Barbara Bank & Trust!

 

Sincerely

 

Bill Bookout

 


From: Chris Gautschi [mailto:sanschromo@yahoo.com]
Sent: Thursday, November 17, 2011 9:18 PM
To: Bill Bookout
Cc: Chris Gautschi
Subject: Re: plan

 

The incorrectness of the NOD  has nothing to do with the fact that there is some amount of mortgage arrears, they are separate. For example, a person could have mortgage arrears even without a NOD having been filed. The way you get a bank to resci9nd an incorrect NOD is to make a written demand letter that they do so, and when they don't sue them in state court.

 


From: Bill Bookout <pismobeachsurfshop@charter.net>
To: 'Chris Gautschi' <sanschromo@yahoo.com>
Cc: 'Richard Rossi' <richard@rossilegal.com>
Sent: Thursday, November 17, 2011 3:57 PM
Subject: RE: plan

What about the fact that Santa Barbara Bank & Trust has committed fraud in their Proof of Claim to the Bankruptcy Court?

 

 What about the Fact that SBBT filed a false NOD on May 19, 2011 claiming $45,171.20 owed in deferred and defaulted payments?

 

What about the fact in the Proof of Claim that SBBT is now calling my principal balance $400,962.89 instead of the Principal Balance of $390,996.91 claimed on August 29, 2011 to the United States Small Business Administration?

 

Would it not be easier to let the Judge rule that the NOD was filed fraudulently and let SBBT file a new NOD and pay Attorney Fees for their Mistakes?

 

What about the money since 2007 that I have monthly over paid Santa Barbara Bank & Trust as they have not properly amortized my SBA loan under SBA Form 147 Note since 2007?

 

 



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