Union Bank-SBBT Questions

Union Bank/SBBT

Union Bank has now taken over Santa Barbara Bank & Trust.  The following email questions asked of Santa Barbara Bank & Trust now need to be answered by Union Bank.  Please review the following PDF files.  Karen L. Grant PDF


From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Thursday, November 29, 2012 10:05 AM
To: Bill Bookout
Cc: thomas.taggart@unionbank.com; daniel.weidman@unionbank.com; 'Richard Rossi'; 'Chris Gautschi'; 'Mendoza, Carlos G.'; 'Ashker, Terrill K.'; 'Bob Johnston'; dvallely@co.slo.ca.us; 'Mazzoni, Sandra E. (Off. Inspector Gen.)'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'Overson, Kari A. (Off. Inspector Gen.)'; sbcountyda@co.santa-barbara.ca.us
Subject: RE: Santa Barbara Bank & Trust SBA Loan Fraud

 

Mr. Bookout,

 

I submitted your monthly bank statement to your attorney Mr. Gautschi on November 27, 2012.  Please contact him to get a copy.

 

As to all other aspects of your email below, since you are represented by an attorney, please have your attorney contact me to discuss any of the issues or concerns that you may have about your bankruptcy petition or your loan with Santa Barbara Bank and Trust.

 

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

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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: Thursday, November 29, 2012 9:55 AM
To: Robert Forouzandeh
Cc: thomas.taggart@unionbank.com; daniel.weidman@unionbank.com; 'Richard Rossi'; 'Chris Gautschi'; 'Mendoza, Carlos G.'; 'Ashker, Terrill K.'; 'Bob Johnston'; dvallely@co.slo.ca.us; 'Mazzoni, Sandra E. (Off. Inspector Gen.)'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'Overson, Kari A. (Off. Inspector Gen.)'; sbcountyda@co.santa-barbara.ca.us
Subject: Santa Barbara Bank & Trust SBA Loan Fraud

 

November 29, 2012

 

Robert B. Forouzandeh California State Bar # 247177,

Attorney at Law

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

Tel:  805-966-2440

 

Dear Mr. Robert B. Forouzandeh,

 

In response to your November 27, 2012 email:  “pursuant to the California Rules of Professional Conduct I am only permitted to discuss issues related to your bankruptcy petition with your counsel of record.” Robert Forouzandeh, from your prior communication, this has not been the case!  Robert B. Forouzandeh, I have attached your December 14, 2011 email.  The “online banking feature” as you have acknowledged on December 14, 2011, does not account for the Attorney fees charged of $57,676.17 Please have Santa Barbara Bank & Trust explain Karen L. Grants response to Judge Robin L. Riblet on P. 6 of her signed March 29, 2012 response to Debtors Objection? 

 

Robert Forouzandeh, Attached is your September 7, 2011 email prior to the changes made in front of Judge Robin L. Riblet.  Please provide a full Proof of Claim by Santa Barbara Bank & Trust going back to 2003 with the SBBT Bankruptcy changes!  In your September 7, 2011 email; please explain as to how Santa Barbara Bank & Trust applied the $22,274.46 to pay off the principal and interest for five of the 15 payments that the debtor had missed?

 

Robert Forouzandeh, Attached below is the Santa Barbara Bank & Trust “online banking feature” accounting of the 2007 forbearance and workout agreement as provided by Santa Barbara Bank & Trust.  Robert B. Forouzandeh, Please provide a full itemized accounting for the SBBT loan changes made during bankruptcy in front of Judge Robin L. Riblet!  I am again asking for a copy of the December 2012 loan statement as requested of you!

 

Robert Forouzandeh; Again please provide a full itemized accounting of the $57,676.17 charged in Attorney fees as seen in your February 27, 2012 email attached above!  At no time up to November 4, 2011 has Santa Barbara Bank & Trust accounted for any of the Attorney fees presented to Judge Robin L. Riblet in the (Declaration of Douglas Lutz.) 

 

Robert Forouzandeh; Again answer the questions asked of Santa Barbara Bank & Trust through you; below on November 27, 2012! The United States Small Business Administration has stated on November 1, 2012.  Please be reminded once again that your lender is Santa Barbara Bank and Trust, not the Small Business Administration. You must direct all questions concerning your loan only to your lender.”

 

Sincerely

 

Bill Bookout

Pismo Beach Surf Shop

 

CC Thomas Taggart-Union Bank

CC Daniel Weidman-Union Bank

CC Chris Gautschi

CC Richard Rossi

CC Judge Robin L. Riblet

CC Elizabeth F. Rojas Chapter 13 Trustee

CC Masashi Oka--Union Bank

CC California State Bar


From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Wednesday, December 14, 2011 12:00 PM
To: Bill Bookout
Cc: Diana Lee; Richard Rossi; sanschromo@yahoo.com
Subject: RE: Santa Barbara Bank & Trust Loan Fraud and Breach of Contract SBA PLP Loan # 664-196-4009 Office of Inspector General

 

Mr. Bookout:

 

The online banking feature for your account was removed because as I have stated to you before, the online calculation is unable to take into consideration the fact that the Forbearance Agreement has now been rescinded and the loan has been recalculated using the original note terms.  You continue to misuse the outdated online information in an effort to create misleading evidence to support your fabricated theories.  The correct information has been repeatedly provided and explained to 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

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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: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Wednesday, September 07, 2011 9:36 AM
To: Bill Bookout
Subject: RE: Santa Barbara Bank & Trust Theft of Principal, Breach of Contract and Mortgage Modification Fraud.

 

Mr. Bookout:

 

Although Ms. Lee and I have answered this question repeatedly and the amortization schedules that we provided to you in May speak for themselves, I will answer this question one last time in the hopes of providing you with clarity once and for all.

 

As you will see at the top of Amortization Schedule 1, it clearly shows that $22,274.46 was reduced from the outstanding balance of principal and interest due on the loan at the time of the forbearance agreement.  This is why the $22,274.46 is placed inside of parenthesis ($22,274.46) on the Amortization Schedule.  The fact that it is in parenthesis shows that it was reduced from the outstanding balance of principal and interest owed on the loan at that time.  Similarly, at the top of Amortization Schedule 2, it shows that your Principal Balance "after 5 payments" was $416,898.31.  The "5 payments" refers to the $22,274.46.  Thus, the $22,274.46 was reduced from the principal and interest on the loan (the outstanding balance) prior to the loan being re-amortized pursuant to the Forbearance Agreement.

 

I trust that this explanation will answer your questions about the manner in which the $22,274.46 was credited towards your account.

 

As to the alleged comments from the OCC:  You continue to ignore our request that you provide us with copies of the OCC letters dated July 16, 2008, June 30, 2011 and August 2, 2011 which you continually refer to.  I am unable to comment on those letters until you send them to me.

 

Additionally, I have reviewed your two newest correspondences and my position remains the same:  After reviewing all of your emails and correspondences, I have not found a single piece of evidence which would even imply any acts of "Predatory Lending, Breach of Contract and Fraud" on the part of Santa Barbara Bank & Trust.

 

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

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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.

 


 

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

6/23/2011

Legal Fee

 

$25.00

 

$390,996.91

6/16/2011

Automatic

 

$206.05

 

$390,996.91

5/24/2011

Legal Fee

 

$575.00

 

$390,996.91

5/16/2011

Automatic

 

$206.05

 

$390,996.91

4/18/2011

Automatic

 

$206.05

 

$390,996.91

4/8/2011

EFF 03/23/2011 Legal Fee Inv #30117

 

$2,150.00

 

$390,996.91

3/16/2011

Automatic

 

$206.05

 

$390,996.91

3/9/2011

Foreclose Fee-470 Price St

 

$1,490.24

 

$390,996.91

3/9/2011

Foreclose Fee - 1141 Paso Robles St

 

$948.00

 

$390,996.91

2/24/2011

Legal Fee Inv 29941 dated 2/9/11

 

$2,408.00

 

$390,996.91

2/16/2011

Automatic

 

$206.05

 

$390,996.91

2/1/2011

Legal Fee Inv#29816 Dtd 1/10/11

 

$2,218.71

 

$390,996.91

1/18/2011

Automatic

 

$206.05

 

$390,996.91

12/16/2010

Automatic

 

$206.05

 

$390,996.91

11/16/2010

Automatic

 

$206.05

 

$390,996.91

10/18/2010

Automatic

 

$206.05

 

$390,996.91

9/17/2010

Collateral Ecaluation Fee

 

$900.00

 

$390,996.91

9/17/2010

Appraisal Fee

 

$2,800.00

 

$390,996.91

9/16/2010

Automatic

 

$206.05

 

$390,996.91

8/16/2010

Automatic

 

$206.05

 

$390,996.91

7/16/2010

Automatic

 

$206.05

 

$390,996.91

7/15/2010

SFR Appraisal Fee

 

$350.00

 

$390,996.91

6/16/2010

Automatic

 

$206.05

 

$390,996.91

6/3/2010

UCC Search Fee

 

$15.50

 

$390,996.91

5/17/2010

Automatic

 

$206.05

 

$390,996.91

4/16/2010

Automatic

 

$206.05

 

$390,996.91

3/16/2010

Automatic

 

$206.05

 

$390,996.91

3/8/2010

Legal Fee

 

$50.00

 

$390,996.91

2/16/2010

Automatic

 

$206.05

 

$390,996.91

1/19/2010

Automatic

 

$206.05

 

$390,996.91

12/31/2009

Regular Payment

 

 

$4,121.06

$390,996.91

12/16/2009

Automatic

 

$206.05

 

$392,024.73

11/13/2009

Late Charge Payment

 

 

$0.94

$392,024.73

11/13/2009

Regular Payment

 

 

$4,121.06

$392,024.73

 

 

 


From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Tuesday, November 27, 2012 10:42 AM
To: 'thomas.taggart@unionbank.com'
Cc: 'daniel.weidman@unionbank.com'; 'Richard Rossi'; 'Chris Gautschi'; 'Mendoza, Carlos G.'; 'Ashker, Terrill K.'; 'Bob Johnston'; 'dvallely@co.slo.ca.us'; 'Mazzoni, Sandra E. (Off. Inspector Gen.)'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'Overson, Kari A. (Off. Inspector Gen.)'; 'sbcountyda@co.santa-barbara.ca.us'
Subject: RE: Santa Barbara Bank & Trust SBA Loan Fraud

 

November 27, 2012

 

Union Bank President & Chief Executive Officer---Masashi Oka

Thomas Taggart

Daniel Weildman

 

Dear Mr. Masashi Oka,

 

Please review the questions asked below of Santa Barbara Bank & Trust.  I ask that Union Bank holds off from buying Santa Barbara Bank & Trust until the fraud that has been committed by Santa Barbara Bank & Trust is resolved. 

 

Please review the questions asked below of Santa Barbara Bank & Trusts representative Robert B. Forouzandeh. 

 

Sincerely

 

Bill Bookout

Pismo Beach Surf Shop

 

CC Thomas Taggart

CC Daniel Weidman

CC Chris Gautschi

CC Richard Rossi

CC Judge Robin L. Riblet

CC Elizabeth F. Rojas Chapter 13 Trustee

CC Masashi Oka--Union Bank

CC California State Bar


From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Tuesday, November 27, 2012 9:42 AM
To: Bill Bookout
Cc: 'Richard Rossi'; 'Chris Gautschi'; thomas.taggart@unionbank.com; daniel.weidman@unionbank.com; 'Mendoza, Carlos G.'; 'Ashker, Terrill K.'; 'Bob Johnston'
Subject: RE: Santa Barbara Bank & Trust SBA Loan Fraud

 

Mr. Bookout,

 

As I have told you on numerous occasions, you are represented by counsel of record in your currently pending bankruptcy petition.  Accordingly, pursuant to the California Rules of Professional Conduct I am only permitted to discuss issues related to your bankruptcy petition with your counsel of record.  If you have any questions, please have your attorney contact me to discuss further.  Nonetheless, I deny each of the allegations you have asserted in your email below.

 

As to your December mortgage statement, I was in the process of sending it to your attorney this morning as I have done every month since you filed your bankruptcy petition.  Since you have CC’ed individuals to this email who are not authorized to view your banking records, I will be sending your December statement to your attorney Mr. Gautschi in a separate email immediately after sending this email.  In the future there is no need for you to send me any correspondences regarding your monthly statement as I will automatically be sending your monthly statements directly to your attorney as I have done in the past.

 

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 27, 2012 7:27 AM
To: Robert Forouzandeh
Cc: 'Richard Rossi'; 'Chris Gautschi'; thomas.taggart@unionbank.com; daniel.weidman@unionbank.com; 'Mendoza, Carlos G.'; 'Ashker, Terrill K.'; 'Bob Johnston'
Subject: FW: Santa Barbara Bank & Trust SBA Loan Fraud

 

November 27, 2012

 

Robert B. Forouzandeh California State Bar # 247177,

Attorney at Law

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

Tel:  805-966-2440

 

Dear Mr. Robert B. Forouzandeh,

 

The United States Small Business Administration has stated on November 1, 2012.  Please be reminded once again that your lender is Santa Barbara Bank and Trust, not the Small Business Administration. You must direct all questions concerning your loan only to your lender.”

 

Robert B. Forouzandeh, Please provide a monthly mortgage statement for December 2012.

 

Robert B. Forouzandeh, Please explain as to why you have claimed in your March 30, 2012 Declaration to Judge Robin L. Riblet; Attorney fees of $57,676.17?  Please immediately provide an itemized accounting of these attorney fees charged against the Oceano Nursery SBA PLP loan from the start of these Attorney Fees!

 

Karen L. Grant falsified information to Judge Robin L. Riblet in her signed March 29, 2012 SBA PLP loan accounting P. 2!  Please explain how the $22,274.46 was applied towards principal as claimed by Karen L. Grant?  Diana Jessup Lee in her May 6, 2011 Amortization schedules and her May 19, 2011 letter does not apply any of the five payments totaling $22,274.46 to principal as claimed by Karen L. Grant to Judge Robin L. Riblet!

 

Robert B. Forouzandeh, In the remaining ten payments totaling $45,171.20 as claimed by Karen L. Grant to Judge Robin L. Riblet on P. 2.   Please immediately provide an accounting of how this money was deferred and amortized?  Please explain as to how Santa Barbara Bank & Trust has a legal right to charge interest on principal per the claimed $45,171.20 owed in the May 19, 2011 NOD?

 

Robert B. Forouzandeh, Please immediately provide an accounting for Karen L. Grants claim on P. 2 that the SBA loans interest rate was modified to 6%? Please show an accounting of how Santa Barbara Bank & Trust came to a monthly payment of $4,121.06 per month, against the $4,055.30 claimed by Diana Jessup Lee in her May 19, 2011 Accounting letter and her May 6, 2011 Amortization schedules?  Please show in detail as to what Santa Barbara Bank & Trust has done with these payments overcharged!

 

Robert B. Forouzandeh, Please explain as to why Santa Barbara Bank & Trust would file a fraudulent NOD on May 19, 2011 in the SBBT claim of $45,171.20 owed in deferred payments?  Explain why SBBT did not amortize the Oceano Nursery SBA loan from $420,024.30 in 2007 with the May 19, 2011 claimed deferred amount of $45,171.20 owed?

 

Robert B. Forouzandeh, Please explain Karen L. Grants response to Judge Robin L. Riblet on P. 6 of her signed March 29, 2012 response to Debtors Objection?  Explain why Attorney fees of $58,700.00 are due for asking banking questions of Santa Barbara Bank & Trust; for SBBT improperly amortizing a SBA loan since 2007 and then filing a fraudulent NOD on May 19, 2011, claiming $45,171.20 owed in deferred payments?  Robert B. Forouzandeh, Explain per P. 6 as to how a debtors, conduct for asking for an accounting of a SBA loan; costs $58,700.00?  The Creditors of Oceano Nursery and Pismo Beach Surf Shop; should have been paid with this money!

 

Robert B. Forouzandeh, Explain and show in Santa Barbara Bank & Trust documents as to how Santa Barbara Bank & Trust feels a legal right to charge 10% of $265,000.00 as a standard Santa Barbara Bank & Trust foreclosure fee?  Please see P. 7 of Karen L. Grants response of her signed March 29, 2012 response to Debtors Objection?  Property taxes of $9,274.00 are acceptable and legal as taken out of the appraised $265,000.00 by Santa Barbara Bank & Trust.

 

Robert B. Forouzandeh, Please provide an accounting and receipts of the $39,750.00 charged by Santa Barbara Bank & Trust per P. 7 of Karen L. Grants response of her signed March 29, 2012 response to Debtors Objection?  How is this charge against a SBA loan legal?  Please immediately provide a copy of the two most recent Oceano Nursery SBA loan appraisals!  I am also requesting a copy of the most recent (Inventory Opinion Letter) as the last one I have is dated June 28, 2007. 

 

Robert B. Forouzandeh; Doug Lutz in his Declaration to Judge Robin L. Riblet on P. 11 claims that SBBT applied the $22,274.46 “to pay off the principal and interest for five of the 15 payments that the debtor had missed.”  Please show how this principal was applied as claimed by Doug Lutz of Santa Barbara Bank & Trust ?  Explain how Doug Lutz accounts for the $45,171.20 unpaid principal/interest being amortized into the SBA loan on P. 12?  Why would Santa Barbara Bank & Trust amortize unpaid principal and then charge interest on unpaid principal as seen in Doug Lutz statements to Judge Robin L. Riblet on P. 12?

 

Doug Lutz, claims on P. 13 to Judge Robin L. Riblet, that the principal balance of the SBA “loan has at all material times been in excess of $400,000.”  Please provide any and all documents that Santa Barbara Bank & Trust has to back this up with the SBBT May 19, 2011 NOD claim of $45,171.20 owed in deferred payments!  Please provide an accounting per Doug Lutz P. 15 Attorney fees of $58,700.00 and $8,953.68!  Please explain why a SBA loan debtor is not allowed to ask banking Questions as Doug Lutz states:  “The amount of these fees and costs incurred by SBBT were largely due to Debtor’s own conduct and the necessity to employ counsel to directly communicate with the Debtor regarding any loan issues in accordance with the terms of the restraining order.”  Again please explain why Diana Jessup Lee’s May 19, 2011 Accounting letter and her May 6, 2011 amortization schedules shows Santa Barbara Bank & Trust not properly amortizing the Oceano Nursery SBA Loan?

 

Robert B. Forouzandeh, Please provide an accounting of the Oceano Nursery inventory sold by Santa Barbara Bank & Trust since SBBT foreclosed on the Oceano Nursery property!  The June 28, 2007 SBBT (Inventory Opinion Letter) showed a retail inventory of $450,000.00!  Please provide the 2012 SBBT (Inventory Opinion Letter) as well! 

 

Robert B. Forouzandeh, Explain as to why Santa Barbara Bank & Trust has refused to refinance the Oceano Nursery SBA loan as seen in the February 1, 2011 Santa Barbara Bank & Trust email and provided at mediation?

 

Robert B. Forouzandeh, Please explain, how Santa Barbara Bank & Trust changed the prior October 2012 principal balance of $390,996.91 up to $400,962.89 during bankruptcy in front of Judge Robin L. Riblet?  Please provide an accounting, back to the beginning of my SBA with SBBT adding $9,965.89 to my SBA loan during Bankruptcy in front of Judge Robin L. Riblet and Elizabeth F. Rojas Chapter 13 Trustee! 

 

Robert B. Forouzandeh, I have attached your January 18, 2012 email below along with the January 3, 2011 email from Diana Jessup Lee.  Please see that all questions asked above are answered with Diana Jessup Lees May 19, 2011 Santa Barbara Bank & Trust loan accounting of $465,195.50 owed in the 2007 forbearance agreement!

 

Sincerely

 

Bill Bookout

Pismo Beach Surf Shop

 

CC Chris Gautschi

CC Richard Rossi

CC Judge Robin L. Riblet

CC Elizabeth F. Rojas Chapter 13 Trustee

CC Masashi Oka--Union Bank

CC California State Bar


From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Wednesday, January 18, 2012 3:30 PM
To: Bill Bookout
Cc: Richard Rossi; Diana Lee; Karen Grant
Subject: RE: Bookout/PCB Mediation per thier Bank Fraud and Breach of Contract since 2007

 

Mr. Bookout:

 

First, you have refused to answer my question as to whether or not you recorded our telephone conversation from earlier this morning, as you orally told me that you had done.  If in fact you did record the telephone call, this would constitute a criminal act in violation of California Penal Code Section 632.

 

In regards to the May 19, 2011 from Diana Jessup Lee to you.  This letter is not fraudulent and we continue to stand by its validity and accuracy.  In that letter, Ms. Lee specifically stated that the $465,195.50 figure, "does not include any late fees, attorneys fees or any other charges other than principal and interest."  (emphasis in original)  As you are well aware, both your original note and the forbearance agreement allow SBBT to add late fees, attorneys fees and other costs incurred by SBBT as a result of your default of the note or the forbearance agreement.

 

In regards to the SBA Form 1149 of August 29, 2011, as I told you during the telephone call, this form was calculated using the figures and interest rate from the Forbearance Agreement.  Due to your default of the Forbearance Agreement, the Bank, as it was permitted to in the Forbearance Agreement, elected to revoke the benefits that the Forbearance Agreement provided to you.  This resulted in a recalculation of your loan based on the original note terms.  Due to the fact that the interest rate for your loan is lower based on the original method of calculation (Prime Rate + 2%= 5.25%) as opposed to the 6% fixed rate set forth in the Forbearance Agreement this was the crucial factor which resulted in the monthly payment amount being reduced to the amount set forth in SBBT's various filings in your bankruptcy proceeding.  Thus, neither the August 29, 2011 Form 1149 nor SBBT's bankruptcy filings are incorrect or fraudulent as you contend.

 

At no point during our telephone conversation did we discuss any issues surrounding your inverse condemnation case.  Your claim that we discussed this issue is patently false.

 

As I stated to you during the telephone call, SBBT will not forgive either the deed of trust against the Oceano property or the Pismo Beach property unless your loan to SBBT is satisfied. 

 

Lastly, I have stated to you on numerous occasions, due to your currently pending bankruptcy proceeding in which you are represented by counsel, it is highly inappropriate for you to be contacting me directly, as opposed to through your attorney of record.  This morning's telephone call during which you illegally recorded the call without my approval is a prime example.

 

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: Diana Lee [mailto:dlee@rppmh.com]
Sent: Tuesday, January 03, 2012 9:14 AM
To: Bill Bookout
Cc: Robert Forouzandeh
Subject: RE: Bookout/PCB Mediation per thier Bank Fraud and Breach of Contract since 2007

 

Mr. Bookout,

 

Your questions have been repeatedly answered.  Your accusations are inaccurate, and repeating them over and over is not productive.  Please see the many factual responses we have provided you which explain exactly the amount of your default, the amount due on your loan and where all your payments have been credited.

 

Diana Jessup Lee, Esq.

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

 

Tel:  805-966-2440

Fax:  805-966-3320

E-mail: dlee@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: Wednesday, November 21, 2012 9:22 AM
To: 'Ashker, Terrill K.'
Cc: 'Ryner, Leanne M.'; 'Hobby, Jill C.'; 'Butcher-Sumner, Blossom V.'; 'Bob Johnston'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'Overson, Kari A. (Off. Inspector Gen.)'; 'Mendoza, Carlos G.'; 'terrencehetherington@sba.gov'; 'legal@fdic.gov'; 'OIGHotline@sba.gov'; 'ombudsman@fdic.gov'; 'SBA National Ombudsman'; 'Babcock, Lisa J.'; 'Chris Gautschi'
Subject: FW: FOIA CASE NUMBER 2013-00284

 

November 21, 2012

 

Dear Mr. Terrill K. Ashker,

 

I have asked questions below of the SBA that need to be answered by the SBA!  Please review your responses on October 25, 2012, October 24, 2012 and February 24, 2012. 

 

Terrill K. Ashker, From the February 1, 2011 SBBT email attached below.  Please confirm that SBBT had ended all SBA loans as claimed?

 

I am again asking the U.S. Small Business Administration for a full accounting of the SBBT Exhibit # B-23 $131,323.83 claim of past due Principal and interest going against the June 30, 2011 Comptroller of the Currency letter attached!  In the Comptroller of the Currency letter is stated that $54,922.70 was the total of unpaid interest from 2007 forbearance and workout agreement going against the May 19, 2011 NOD filed by SBBT.  Please explain as to how SBBT now claims per their Exhibit # A-23 that SBBT was owed $45,171.20 per their May 19, 2011 NOD?  Is it legal for SBA lenders to commit this kind of loan fraud?

 

I am asking the U.S. Small Business Administration to explain the May 19, 2011 letter from SBBT showing SBBT not paying any principal from the five payments totaling $22,274.66?  I ask that the U.S. Small Business Administration to explain as to why the Oceano Nursery SBA loan was not properly amortized from 2007 as seen in the May 19, 2011 SBBT letter against the August 29, 2011 SBA Form 1149?  Why would the SBA allow this kind of fraud?

 

Terrill K. Ashker, Can you explain as to why the SBA did not refinance the 470 Price Pismo Beach property Balloon Payment with the 2003 SBA PLP loan # 6641964009?  Please review your email response below on October 24, 2012.

 

Terrill K. Ashker, Please see that the SBA provides a full accounting of the Oceano Nursery property sold by Santa Barbara Bank & Trust along with the Oceano Nursery inventory in the Possession of Santa Barbara Bank & Trust.  All questions asked of the SBA, Karen G. Mills and Carlos Mendoza are seen at www.sbaplploans.com Please review the June 29, 2011E-Mail response from SBBT along with the June 28, 2011 SBBT response at www.sbaloanauthorization.com   The SBA needs to explain as to why no principal was paid on the five payments totaling $22,274.66?

 

Sincerely

 

Bill Bookout

 


From: Ashker, Terrill K. [mailto:terrill.ashker@sba.gov]
Sent: Thursday, November 01, 2012 8:06 AM
To: Bill Bookout; Ryner, Leanne M.
Cc: Hobby, Jill C.; Butcher-Sumner, Blossom V.; 'Bob Johnston'; Kaplan, Adam D.(Off. Inspector Gen.); Overson, Kari A. (Off. Inspector Gen.); Mendoza, Carlos G.; terrencehetherington@sba.gov; legal@fdic.gov; OIGHotline@sba.gov; ombudsman@fdic.gov; SBA National Ombudsman; Babcock, Lisa J.
Subject: RE: Loan #30273 Amortization Schedule as of 10-10-12

 

Mr. Bookout:

 

Please be reminded once again that your lender is Santa Barbara Bank and Trust, not the Small Business Administration. You must direct all questions concerning your loan only to your lender.

 

Also, once again, please be reminded to send any future emails pertaining to SBA only to me; Neither Carlos Mendoza, Leanne Ryner nor any other SBA personnel assigned to or assisting the Fresno District Office will respond to any further communication initiated by you.

 

Terrill K. Ashker

Acting Fresno District Counsel

 

From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Tuesday, October 30, 2012 4:28 PM
To: Ryner, Leanne M.
Cc: Hobby, Jill C.; Butcher-Sumner, Blossom V.; 'Bob Johnston'; Kaplan, Adam D.(Off. Inspector Gen.); Overson, Kari A. (Off. Inspector Gen.); Mendoza, Carlos G.; terrencehetherington@sba.gov; Ashker, Terrill K.; legal@fdic.gov; OIGHotline@sba.gov; ombudsman@fdic.gov; SBA National Ombudsman; Babcock, Lisa J.
Subject: FW: Loan #30273 Amortization Schedule as of 10-10-12

 

October 30, 2012

 

Leanne M. Ryner
Paralegal Specialist
Fresno District Office
Phone: (559) 487-5791 ext 2707

 

Dear Mrs. Leanne M. Ryner

 

Thank your for my SBA PLP loan # 6641964009 (FOIA request of Mr. Carlos Mendoza and Karen G. Mills) on October 25, 2012.  Please see that the questions asked along with the FOIA request of Karen G. Mills and Carlos Mendoza along with Terrill K. Ashker are answered by the SBA!

 

I am asking the U.S. Small Business Administration for a full accounting of the SBBT Exhibit # B-23 $131,323.83 claim of past due Principal and interest going against the June 30, 2011 Comptroller of the Currency letter attached!  In the Comptroller of the Currency letter is stated that $54,922.70 was the total of unpaid interest from 2007 forbearance and workout agreement going against the May 19, 2011 NOD filed by SBBT.  Please explain as to how SBBT now claims per their Exhibit # A-23 that SBBT was owed $45,171.20 per their May 19, 2011 NOD?  Is it legal for SBA lenders to commit this kind of loan fraud?

 

I am asking the U.S. Small Business Administration to explain the May 19, 2011 letter from SBBT showing SBBT not paying any principal from the five payments totaling $22,274.66?  I ask that the U.S. Small Business Administration to explain as to why the Oceano Nursery SBA loan was not properly amortized from 2007 as seen in the May 19, 2011 SBBT letter against the August 29, 2011 SBA Form 1149?  Why would the SBA allow this kind of fraud?

 

Can you explain as to why the SBA did not refinance the 470 Price Pismo Beach property Balloon Payment with the 2003 SBA PLP loan # 6641964009?

 

Please provide a full accounting of the Oceano Nursery property sold by Santa Barbara Bank & Trust along with the Oceano Nursery inventory in the Possession of Santa Barbara Bank & Trust.  All questions asked of the SBA and Karen G. Mills and Carlos Mendoza are seen at www.sbaplploans.com Please review the June 29, 2011E-Mail response from SBBT along with the June 28, 2011 SBBT response at www.sbaloanauthorization.com   The SBA needs to explain as to why no principal was paid on the five payments totaling $22,274.66?

 

Sincerely

 

Bill Bookout

 

(805) 963-2806 Phone

(805) 456-4318 Fax

tt@ccgbank.com

 

 

<SBA Loan Fraud Case # 01394465.pdf>

 


From: Ashker, Terrill K. [mailto:terrill.ashker@sba.gov]
Sent: Thursday, October 25, 2012 8:49 AM
To: Bill Bookout
Subject: RE:

 

Mr. Bookout:

 

I do not know why your lender voluntarily released the SBA guaranty of your loan. You should direct this question, and all your other questions, to Santa Barbara Bank & Trust.

 

Terrill K. Ashker

SBA Acting Fresno District Counsel

 

From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Wednesday, October 24, 2012 2:05 PM
To: Ashker, Terrill K.
Cc: 'Chris Gautschi'; Mendoza, Carlos G.; Kaplan, Adam D.(Off. Inspector Gen.); Overson, Kari A. (Off. Inspector Gen.); Hobby, Jill C.
Subject: RE:

 

October 24, 2012

 

Dear Mr. Terrill K. Ashker:

 

Thank you for your response on October 24, 2012.

 

Please explain yours and the United States Small Business Administration statement:  “SBA does not have any interest whatsoever in the property located at 470 Price Street, and I am not aware of any agency program that would allow you to refinance this property with SBA assistance.”

 

Mr. Terrill K. Ashker:  Why would the SBA not be willing to refinance the 470 Price Street property?  Please explain as to why the SBA has allowed Santa Barbara Bank & Trust to monthly overcharge the Oceano Nursery SBA loan?

 

Mr. Terrill K. Ashker:  In your statement:  “On or about September 7, 2012, Santa Barbara Bank & Trust voluntarily released the Small Business Administration (SBA) from its guaranty of the subject loan.  Is this because Santa Barbara Bank & Trust has sold the business inventory at the Oceano Nursery site or that Santa Barbara Bank & Trust has sold the Oceano Nursery property for an additional profit?

 

Mr. Terrill K. Ashker:  Can you explain as to why the SBA did not refinance the 470 Price street property Balloon Payment with the 2003 SBA PLP loan # 6641964009 ??  Attached is an amortization schedule, showing this balloon payment coming do in March 2017!

 

Does the SBA not payoff balloon payments on their SBA PLP Loans when funded?  Please view PDF documents at www.santabarbarabankandtrust.co and www.sbaplploans.com per the Two (August 20, 2003 SBA loan Analysis Presentations)  Please explain as to why the SBA Revised the (August 20, 2003 SBA loan Analysis Presentation) on October 1, 2003 without paying off the Balloon payment on the 470 Price Street property? 

 

I ask that the SBA explain the (U.S. Small Business Administration Schedule of Collateral) 8/27/03 changed documents; adding the 470 Price Street property as seen in PDF files at www.santabarbarabankandtrust.co Is this type of fraud normal with all SBA loans?  Please view www.sbaplploans.com or www.sbaloanauthorization.com Please explain the (Loan Agreement) made on August 29, 2003 and then the changes made on October 1, 2003!  Was the SBA aware of these changes and the Balloon payment coming do on the 470 Price Street property?  At www.sbaloanauthorization.com please review the (Business History) regarding Balloon Payments on Page 5.  Notice that the Collateral offered on P. 4 was not the 470 Price Street property per the (Loan Agreement)!

 

I am again requesting a current SBA Form 1149 from the SBA in regards to the Oceano Nursery SBA PLP Loan # 6641964009 with the changes made by Santa Barbara Bank & Trust during Bankruptcy and in front of Judge Robin L. Riblet and Elizabeth F. Rojas Chapter 13 Trustee, against the SBBT September 23, 2011 (Payment Notice.)?  Please see attached Santa Barbara Bank & Trust SBA Form 1149 for August 29, 2011.  At www.sbaplploans.com under PDF file (Peggy E. Gustafson)  Explain the SBBT attempt to sale this SBA loan back to the SBA?  I am requesting of the SBA for a full and complete accounting breakdown per the August 29, 2011 SBBT (Request to Honor SBA 7 (a) Loan Guaranty) with SBBT not applying principal as agreed!

 

Why would the SBA in the second month in the 2003 monthly payments change the agreed upon signed monthly payment (Note Terms)?  Please see the August 29, 2011 SBA Form 1149 at www.sbaplploans.com ! View the Note Terms attached!  Please view the two (Collateral Conditions P. 5!  Additional Conditions under Environmental Requirements!  Explain as to why the 470 Price Street property was not inspected?  Does the SBA allow their lenders to change SBA loan Authorization documents?  Please see Loan Agreement and Authorization!

 

I am requesting that the SBA provide an accounting for Santa Barbara Bank & Trusts Attorney Fees of $57,676.17 charged against the Oceano Nursery SBA loan for asking SBA Loan, banking questions of Santa Barbara Bank & Trust?  (Please see exhibit B-23 attached!)  Why was this money not paid back to the SBA Loan or the Balloon payment coming do on the 470 Price Street property?  Why was this money not paid back to creditors of Pismo Beach Dive Shop/Oceano Nursery?

 

Santa Barbara Bank & Trust has falsified information to Judge Robin L. Riblet in their April 13, 2012 Court claim affecting all of the businesses owned by Bill Bookout and his 1921 Cienega property, loan with Dan Hilford and Bruce Eisengart.  Please note that the 1921 Cienega property had been paid off by the SBA in the 2003 SBA loan.  The SBA did not pay off the 470 Price Street property with a known balloon payment coming do in March 2017!  Please explain as to why the SBA would not pay off the 470 Price Street Balloon Payment?

 

SBBT provided two Exhibits to Judge Robin L. Riblet and Elizabeth F. Rojas Chapter 13 Trustee, without a backing up their accounting for their BK Attorney fees of $58,700.00 to Judge Robin L. Riblet!  I am asking the U.S. Small Business Administration for a full Oceano Nursery SBA Loan # PLP 664-196-4009 accounting of the SBBT Attorney fees charged of $58,700.00 per the SBBT Exhibit # B-23 attached! 

 

I am asking the U.S. Small Business Administration for an accounting of the $26,500.00 charged by SBBT as a standard 10% SBBT Foreclosure fee and if this is legal with all SBA Loans?  Please see SBBT Exhibit # A-22 attached!  This money could have been used to pay off creditors, Dan Hilford and Bruce Eisengart or pay down the 470 Price Street Ballon payment!

 

I am asking the U.S. Small Business Administration for a full accounting of the $39,750.00 that Santa Barbara Bank & Trust has taken for Demolition and Repair of the Oceano Nursery property per SBA loan # PLP 664-196-4009?  Please provide SBA receipts of repairs and demolition of the Oceano Nursery property! 

 

Please note that Santa Barbara Bank & Trust now has sold the Oceano Nursery property and its business inventory for a profit!  Please see that the SBA immediately reimburses Bill Bookout/Elizabeth F. Rojas Chapter 13 Trustee for the full retail of the Oceano Nursery inventory!  I am requesting that the SBA provide a full accounting for any and all inventory at the Oceano Nursery property and that I am reimbursed for this inventory at full retail! Please refer to the SBBT June 29, 2007 (Opinion Letter)!   Please provide the 2011 Opinion letter!

 

I am asking the U.S. Small Business Administration for a full accounting of the SBBT Exhibit # B-23 $131,323.83 claim of past due Principal and interest going against the June 30, 2011 Comptroller of the Currency letter attached!  In the Comptroller of the Currency letter is stated that $54,922.70 was the total of unpaid interest from 2007 forbearance and workout agreement going against the May 19, 2011 NOD filed by SBBT.  Please explain as to how SBBT now claims per their Exhibit # A-23 that SBBT was owed $45,171.20 per their May 19, 2011 NOD?  Is it legal for SBA lenders to commit this kind of loan fraud?

 

I am asking the U.S. Small Business Administration to explain the May 19, 2011 letter from SBBT showing SBBT not paying any principal from the five payments totaling $22,274.66?  I ask that the U.S. Small Business Administration to explain as to why the Oceano Nursery SBA loan was not properly amortized from 2007 as seen in the May 19, 2011 SBBT letter against the August 29, 2011 SBA Form 1149?  Why would the SBA allow this kind of fraud?

 

I am asking the U.S. Small Business Administration to explain from the Santa Barbara Bank & Trust May 19, 2011 SBBT letter as to why SBBT would improperly amortize the Oceano Nursery SBA Loan # PLP 664-196-4009 adding in Principal per the SBA loan deferred payments?  The SBA will need to explain P. 3 in how SBBT would claim $465,195.50 owed by charging again for principal in their new amortization of $4,055.30 owed per month since 2007?  What has the SBA and SBBT done with the extra principal paid since 2007?

 

Please explain as to how the SBA and SBBT came to a monthly payment in 2007 of $4,121.06 per month?  Explain as to how this was amortized at 6%?  Please explain as to why this amount was not re-amortized in 2008, 2009, 2010 and 2011 per SBA loan requirements?

 

Terrill K. Ashker, Mr. Carlos Mendoza, Karen G. Mills, Adam D. Kaplan, Assistant Counsel to the Inspector General, U.S. Small Business Administration:  Santa Barbara Bank & Trust filed a restraining order for asking banking loan questions of Santa Barbara Bank & Trust from their May 19, 2011 letter and their May 6, 2011 amortization schedules!  This is seen in the June 30, 2011 Comptroller of the Currency letter attached and the SBBT April 13, 2012 response to Judge Robin L. Riblet on Page 3.  It is important for the SBA to now fully resolve the actions of Santa Barbara Bank & Trust!  Please answer the above questions and provide the FOIA Requests as acknowledged below on September 10, 2012 by Leanne M. Ryner!

 

Please explain as to how the SBA and SBBT have refused to refinance the 470 Price Street Property as seen in PDF files at www.sbaplploans.com under Peggy E. Gustafson, Inspector General for the SBA?  See Memorandum on January 20, 2005 from Casey Appell and his hesitation!  See letter written December 9, 2007 to Casey Appell requesting to refinance the 470 Price Street property!  See loan taken out on the Oceano Nursery property for $70,000.00 on November 19, 2004.  See loan taken out July 22, 2005 on the 470 Price Street property!  See January 18, 2005 Loan request to refinance the 470 Price Street property!  Explain as to why the SBA allowed the hard money loan as seen in the SBBT July 14, 2005 Memorandum from Clay Appleton to make past due payments?  Why did the United States Small Business Administration not pay off the 470 Price Street property with the 2003 SBA PLP loan # 6641964009?

 

Sincerely

 

Bill Bookout

Pismo Beach Surf Shop

 

CC Karen G. Mills

CC Leanne M. Ryner

CC Chris Gautschi

CC Judge Robin L. Riblet

CC Elizabeth F. Rojas Chapter 13 Trustee

 

 


From: Ashker, Terrill K. [mailto:terrill.ashker@sba.gov]
Sent: Wednesday, October 24, 2012 8:39 AM
To: Bill Bookout
Subject: RE:

 

Mr. Bookout:

 

On or about September 7, 2012, Santa Barbara Bank & Trust voluntarily released the Small Business Administration (SBA) from its guaranty of the subject loan.  SBA does not have any interest whatsoever in the property located at 470 Price Street, and I am not aware of any agency program that would allow you to refinance this property with SBA assistance.

 

Very truly yours,

 

Terrill K. Ashker

SBA Acting Fresno District Counsel

 

From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Tuesday, October 23, 2012 1:42 PM
To: Ashker, Terrill K.
Cc: San Diego General Box; 'Bob Johnston'
Subject: RE:

 

October 23, 2012

 

Dear Mr. Terrill K. Ashker,

 

As you are aware, the 470 Price Street Property has a balloon payment coming do before the end of the SBA PLP loan with Westdale Capital attached.  Who at the SBA do I need to contact in regards to refinancing SBA PLP loan # 664-196-4009?

 

Sincerely

 

Bill Bookout

 


From: Ashker, Terrill K. [mailto:terrill.ashker@sba.gov]
Sent: Friday, February 04, 2011 1:11 PM
To: Bill Bookout
Cc: Mendoza, Carlos G.; glazar@foxjohns.com
Subject: FW: SBA Bank Fraud------Office of the Comptroller of the Currency Case # 01394465 Pacific Capital Bank Retaliatory Actions! Trustee Sale No: 11-00125-5DL

 

Mr. Bookout:

 

To the best of my knowledge, SBA has not received any notice from Pacific Capital Bank that it is no longer participating in the SBA loan-guaranty program.

 

You should ask Pacific Capital Bank directly when it stopped making SBA-guaranteed loans.

 

Please address any future SBA inquiries only to me.

 

Terrill K. Ashker

Fresno District Counsel (Acting)

 

 

From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Wednesday, February 02, 2011 12:51 PM
To: San Diego General Box
Cc: Mendoza, Carlos G.
Subject: RE: SBA Bank Fraud------Office of the Comptroller of the Currency Case # 01394465 Pacific Capital Bank Retaliatory Actions! Trustee Sale No: 11-00125-5DL

 

February 2, 2011

 

Dear SBA.

 

How long has Pacific Capital Bank, not been doing SBA Loans?  George C. Lazar from Pacific Capital Bank has stated in this email February 1, 2011:

 


From: George C. Lazar [mailto:GLazar@foxjohns.com]
Sent: Tuesday, February 01, 2011 1:20 PM
To: Bill Bookout
Subject: RE:

 

Mr. Bookout:

 

Pacific Capital Bank is no longer lending under the SBA program.  As a result, a refinance from Pacific Capital is not something that could be done, although another lender might be in a position to make the proposed loan.

 

George C. Lazar
FOX JOHNS LAZAR PEKIN & WEXLER, APC
525 B Street, Suite 1500
San Diego, California 92101-4417
Tel:             619.595.7187

Toll Free:     877.272.3734
Mobile:        619.823.7375

Fax:            877.227.0150
email:          glazar@foxjohns.com

THIS EMAIL IS INTENDED FOR THE DESIGNATED RECIPIENT(S) ONLY AND MAY CONTAIN CONFIDENTIAL MATERIAL, INCLUDING ATTORNEY-CLIENT COMMUNICATIONS. IF YOU RECEIVE THIS EMAIL IN ERROR, PLEASE NOTIFY ME BY RETURN EMAIL AND DELETE THIS EMAIL TOGETHER WITH ANY ATTACHMENTS.

 

From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Tuesday, February 01, 2011 12:13 PM
To: George C. Lazar
Subject: RE:

 

Mr. Lazar,

 

Would Pacific Capital Bank refinance the Pismo Beach property and the Oceano Nursery property together at 5.5% over 30 years?  This would make a monthly payment of $3,860.67 and allow me to rebuild both of my businesses?

 

Mortgage calculator

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Read more: Amortization Schedule Calculator -- Bankrate.com http://www.bankrate.com/calculators/mortgages/amortization-calculator.aspx#ixzz1CjvdoVz2

 

 


From: George C. Lazar [mailto:GLazar@foxjohns.com]
Sent: Friday, January 28, 2011 2:06 PM
To: Bill Bookout
Subject: RE:

 

I do not know.

 

I will forward your email to Ms. Sheffield for consideration. 

 

I would not anticipate being able to provide a response one way or the other until early to mid week, next week, however. 

 

George C. Lazar
FOX JOHNS LAZAR PEKIN & WEXLER, APC
525 B Street, Suite 1500
San Diego, California 92101-4417
Tel:             619.595.7187

Toll Free:     877.272.3734
Mobile:        619.823.7375

Fax:            877.227.0150
email:          glazar@foxjohns.com

THIS EMAIL IS INTENDED FOR THE DESIGNATED RECIPIENT(S) ONLY AND MAY CONTAIN CONFIDENTIAL MATERIAL, INCLUDING ATTORNEY-CLIENT COMMUNICATIONS. IF YOU RECEIVE THIS EMAIL IN ERROR, PLEASE NOTIFY ME BY RETURN EMAIL AND DELETE THIS EMAIL TOGETHER WITH ANY ATTACHMENTS.

 

From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Friday, January 28, 2011 1:06 PM
To: George C. Lazar
Subject: RE:

 

Mr. Lazar,

 

Would Pacific Capital Bank be willing to lower the payoff amount?

 


From: George C. Lazar [mailto:GLazar@foxjohns.com]
Sent: Friday, January 28, 2011 10:48 AM
To: Bill Bookout
Subject: RE:

 

Mr. Bookout:

 

Removal of the liens from the properties would require a payment in full of the amount owing on the note secured by the properties. 

 

George C. Lazar
FOX JOHNS LAZAR PEKIN & WEXLER, APC
525 B Street, Suite 1500
San Diego, California 92101-4417
Tel:             619.595.7187

Toll Free:     877.272.3734
Mobile:        619.823.7375

Fax:            877.227.0150
email:          glazar@foxjohns.com

THIS EMAIL IS INTENDED FOR THE DESIGNATED RECIPIENT(S) ONLY AND MAY CONTAIN CONFIDENTIAL MATERIAL, INCLUDING ATTORNEY-CLIENT COMMUNICATIONS. IF YOU RECEIVE THIS EMAIL IN ERROR, PLEASE NOTIFY ME BY RETURN EMAIL AND DELETE THIS EMAIL TOGETHER WITH ANY ATTACHMENTS.

 

From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Thursday, January 27, 2011 6:52 PM
To: George C. Lazar
Subject:

 

Mr. Lazar.

 

You mentioned making a proposal!  What would it take for Pacific Capital Bank to remove all liens against my Pismo Beach property?

 

We might be able to work something out for both of our interests?

 

Santa Barbara Bank & Trust, N.A., Member FDIC.

© 2011 Santa Barbara Bank & Trust, N.A. All rights reserved.

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