| Santa Barbara Bank |
| Santa Barbara Bank & Trust DECEPTIVE BUSINESS PRACTICES, FRAUD, OVERCHARGING, EXCESSIVE FEES, EGREGIOUS BUSINESS PRACTICES Montecito, California |
| 11th of Jul, 2011 by User473787 |
| I had signed a document to DECLINE overdraft protection. This month, I overdrew my account by $6.00 and, as of now, the fees are $33.00 per DAY!!!!! |
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| Santa Barbara Bank & Trust has been found overcharging the Oceano Nursery SBA loan since 2007 by $247.00 per month. Please view the website occquestions.com to view this Fraud |
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| Why would Santa Barbara Bank & Trust not want to account for their breach of contrct now known to the Santa Barbara residents? |
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| Each Santa Barbara Bank & Trust Board of director has full knowledge of the SBBT fraud since 2007 as seen in communication with Diana Jessup Lee as seen at www..sbaquestions.com |
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Bank Fraud committed by Santa Barbara Bank & Trust since July 2007 know to the California State Senate and the Office of the Comptroller of the Currency Case # 01394465 # 770567 # 01672308
________________________________________
From: Bill Bookout [mailto:[email protected]]
Sent: Monday, August 15, 2011 6:36 AM
To: 'Robert Forouzandeh'
Cc: 'Diana Lee'; 'LeSieur, Debbie'; '[email protected]'; 'Marianne Partridge -'; 'Nick Welsh -'; 'Michelle Drown -'; 'Matt Kettmann -'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; 'Ashker, Terrill K.'; '[email protected]'; 'Congresswoman Lois Capps'; '[email protected]'; 'FDIC STARSMail'; 'Diana Lee'; 'LeSieur, Debbie'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; 'Senator.DeLeó[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; '[email protected]'; 'Weber, Tad - SLO'; '[email protected]'; 'Pamela Brinks'
Subject: RE: Bookout/PCB Mediation per their Bank Fraud and Breach of Contract since 2007'[email protected]'
August 15, 2011
Office of the Comptroller of the Currency Case # 01394465 # 770567 # 01672308
Robert Forouzandeh, California State Bar # 247177
Diana Jessup Lee, California State Bar # 155191
Reicker, Pfau, Pyle & McRoy LLP
1421 State Street, Suite B
Santa Barbara, CA 93101
Mr. Robert Forouzandeh,
Robert Forouzandeh, Again please see that all questions asked of Santa Barbara Bank & Trust, yourself and Diana Jessup Lee since May 19, 2011 are answered! You have not answered the questions asked! Please see that Christine Sontag and all of 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; -------Are fully aware of your statements in your email August 1, 2, 3 and 12th, 2011 along with your refusal to answer questions asked of Santa Barbara Bank & Trust since May 19, 2011!
Diana Jessup Lee, has admitted May 19, 2011 to Santa Barbara Bank & Trusts Fraud & Breach of Contract per her amortization schedule figures! What has Santa Barbara Bank & Trust done with this money that has been improperly taken from my Businesses’ since 2007?
Again, Christine Marie Sontag, California State Bar # 138999 has stated that you and Diana Jessup Lee would answer the Santa Barbara Bank & Trust; Banking questions asked of Santa Barbara Bank & Trust! Please answer the questions asked of you and Diana Jessup Lee since May 19, 2011! Each California State Senator attached is now aware of Yours and Diana Lee’s refusal to answer Santa Barbara Bank & Trust banking questions!
Per your Santa Barbara Bank & Trust, Email Statement and Excuse, August 12, 2011. You State: “You continue to repeat the same questions that Diana Lee and myself have repeatedly answered. I again direct your attention to the correspondences sent to you by Diana Lee on the following dates: May 6, May 26, May 31, June 28, July 5 and July 15, 2011.” This statement from Diana Jessup Lee on July 5, 2011 is unacceptable! “The schedules and "computerized records" you request were included with and explained in my May 6 letter.” Please view the two May 5, 2011 amortization schedules attached and what Diana Jessup Lee believes are Santa Barbara Bank & Trust Computerized records, per her May 6, 2011 letter! This statement on June 28, 2011 from Diana Jessup Lee again shows Santa Barbara Bank & Trust Fraud! “I do not know what "computerized" records you are requesting. The May 6, 2011 schedules are official and are correct, so there is no need for any other records.” How can a California Bank account for their mistakes in this way? Each California State Senator is now aware of Santa Barbara Bank & Trust’s loan accounting fraud, per the communication by Diana Jessup Lee!
In Diana Jessup Lee’s May 19, 2011 letter you do not mention the 6/23/06 payment notice (Bank Records) provided by Diana Jessup Lee on May 19, 2011. I have attached the 6/23/2007 payment Notice (Bank Records) and the July 24, 2007 (Banking Records) to show the SBBT Fraud that has been committed since 2007! Please explain as to why Santa Barbara Bank & Trust accounting July 17, 2007 does not show any principal paid to my SBA per the terms of the 2007 forbearance agreement?
The 2007 Forbearance and Workout Agreement States: “$22, 274.66 to pay the monthly principal and interest payments owing on Note for the earliest five past due monthly payments (May, 2006, June, 2006, August, 2006 and September, 2006).” Again please explain as to why Diana Lee has not accounted for this Principal in the May 19, 2011 NOD or her May 6th and 19th 2011 letters? She has stated June 29, 2011 “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.”
Robert Forouzandeh, Again, please explain as to why the five payments of $22, 274.66 were never applied to principal after signing the 2007 forbearance agreement? Why has Diana Jessup Lee, California State Bar # 155191 in her May 19, 2011 letter only applied this to interest against the 2007 forbearance agreement?
Robert Forouzandeh, How did Diana Jessup Lee and Yourself, in the May 5, 2011 Amortization Schedules come to 10 deferred payments of $4, 517.12 or $45, 171.20 when the January 9, 2007 demand letter written by Heidi Dugan showed payments owed of $4, 391.08 for October 2006--$4, 246.38 for November 2006—4, 053.66 for December 2006 and $3, 813.90 for January 6, 2007? February 6, 2007 payment $3, 529.24. The PCB payment notice February 21, 2007 of $3, 201.82 March 24, 2007 of $2, 832.93 May 23, 2007 for May 6, 2007 of $2, 428.61 and the June 6, 2007 payment of 1, 990.57 along with the June 23, 2007 First Bank of San Luis Obispo June 23, 2007 invoice for July 6, 2007 payment of $1, 524.46 which adds up to $32, 012.65 instead of $45, 171.20? The NOD filed January 14, 2007 by Pacific Capital Bank claimed 10 Deferred payments from 10/2006 - 7/2007 of $37, 801.09 instead of May 19, 2011 amount of $45, 171.20!
Robert Forouzandeh, Please show myself the California State Senators attached and the News Media attached; the Santa Barbara Bank & Trust computerized records showing the $45, 171.20 claimed by Diana Jessup Lee, California State Bar # 155191! Please show how the principal was paid per the 2007 five payments totaling $22, 274.66 per the forbearance agreement mentioned by you on August 3, 2011! You Stated: (which you cut and pasted to your email below),
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
CC California State Bar
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:[email protected]]
Sent: Friday, August 12, 2011 4:41 PM
To: Bill Bookout
Subject: RE: Bookout/PCB Mediation per their Bank Fraud and Breach of Contract since 2007'[email protected]'
Mr. Bookout,
You continue to repeat the same questions that Diana Lee and myself have repeatedly answered. I again direct your attention to the correspondences sent to you by Diana Lee on the following dates: May 6, May 26, May 31, June 28, July 5 and July 15, 2011. I also direct you to my correspondences to you dated: August 2 and 3, 2011. All of the questions that you have posed in your email below have been answered in the emails that I have identified.
Robert
________________________________________
From: Bill Bookout [mailto:[email protected]]
Sent: Friday, August 12, 2011 4:36 PM
To: Robert Forouzandeh
Cc: [email protected]; 'Marianne Partridge -'; 'Nick Welsh -'; 'Michelle Drown -'; 'Matt Kettmann -'; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; 'Ashker, Terrill K.'; [email protected]; 'Congresswoman Lois Capps'; [email protected]; 'FDIC STARSMail'; Diana Lee; 'LeSieur, Debbie'; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; =?iso-8859-1?Q?'[email protected]'?=; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; 'Weber, Tad - SLO'
Subject: RE: Bookout/PCB Mediation per their Bank Fraud and Breach of Contract since 2007'[email protected]'
August 12, 2011
Office of the Comptroller of the Currency Case # 01394465 # 770567 # 01672308
Robert Forouzandeh, California State Bar # 247177
Diana Jessup Lee, California State Bar # 155191
Reicker, Pfau, Pyle & McRoy LLP
1421 State Street, Suite B
Santa Barbara, CA 93101
Mr. Robert Forouzandeh,
Again, Christine Marie Sontag, California State Bar # 138999 has stated that you and Diana Jessup Lee would answer the Santa Barbara Bank & Trust; Banking questions asked of SBBT! Please answer the questions asked of you and Diana Jessup Lee since May 19, 2011! Each California State Senator attached is now aware of Yours and Diana Lee’s refusal to answer Santa Barbara Bank & Trust banking questions! Santa Barbara Bank & Trust is a California Bank involving all of California and each Senator’s districts!
Each California State Senator attached should ask the California State Bar, if it is legal for California Attorney’s to prepare amortization schedules without using banking records? Diana Jessup Lee States June 28, 2011 “I do not know what "computerized" records you are requesting. The May 6, 2011 schedules are official and are correct, so there is no need for any other records.” Does the California State Bar allow Attorneys like Diana Lee to do false bank accounting as seen in her two amortization schedules mentioned June 28, 2011? The Office of the Comptroller of the Currency Case # 01394465 on June 30, 2011 have found a different amount then stated by Diana Jessup Lee in her two amortization schedules!
Robert Forouzandeh, How did Diana Jessup Lee and Yourself, in the May 5, 2011 Amortization Schedules come to 10 deferred payments of $4, 517.12 or $45, 171.20 when the January 9, 2007 demand letter written by Heidi Dugan showed payments owed of $4, 391.08 for October 2006--$4, 246.38 for November 2006—4, 053.66 for December 2006 and $3, 813.90 for January 6, 2007? February 6, 2007 payment $3, 529.24. The PCB payment notice February 21, 2007 of $3, 201.82 March 24, 2007 of $2, 832.93 May 23, 2007 for May 6, 2007 of $2, 428.61 and the June 6, 2007 payment of 1, 990.57 along with the June 23, 2007 First Bank of San Luis Obispo June 23, 2007 invoice for July 6, 2007 payment of $1, 524.46 which adds up to $32, 012.65 instead of $45, 171.20? The NOD filed January 14, 2007 by Pacific Capital Bank claimed 10 Deferred payments from 10/2006 - 7/2007 of $37, 801.09 instead of May 19, 2011 amount of $45, 171.20!
Robert Forouzandeh, Please show myself the California State Senators attached and the News Media attached the Santa Barbara Bank & Trust computerized records showing the $45, 171.20 claimed by Diana Jessup Lee, California State Bar # 155191! Please show how the principal was paid per the 2007 five payments totaling $22, 274.66 per the forbearance agreement mentioned by you on August 3, 2011! You Stated: (which you cut and pasted to your email below),
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
CC California State Bar
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: Diana Lee [mailto:[email protected]]
Sent: Tuesday, June 28, 2011 12:18 PM
To: Bill Bookout
Cc: [email protected]; Robert Forouzandeh
Subject: RE: Bookout/PCB Mediation per thier Bank Fraud and Breach of Contract since 2007
Dear Mr. Bookout:
As you are fully aware, I never admitted that Pacific Capital Bank over charged your account. We have repeatedly provided you with detailed schedules showing how your payments have been applied and how your default balance is calculated. You have not made any payments in 1.5 years and the bank is currently proceeding with foreclosure proceedings. I have offered discount your loan by various amounts, including $7, 000, if it would settle your claims and you would resume making loan payments. On every occasion that a settlement has been offered to you, you have declined it. Your mischaracterization of settlement offers as admissions makes it very difficult to have productive discussions with you. Nevertheless, the bank remains willing to consider any reasonable proposal you have to cure your loan default.
I do not know what "computerized" records you are requesting. The May 6, 2011 schedules are official and are correct, so there is no need for any other records.
Please send me a copy of the "1098 form" about which you have questions and I will obtain an explanation for you.
My May 19, 2011 letter to you explained the application of the $22, 274.46 in detail. Please read my letter.
As we explained, a lower number was used in the NOD in an effort to eliminate any possible dispute. In calculating your missed payment amounts for the NOD, the missed payments in 2010-2011 were calculated at 5.25% interest ( then current prime rate of 3.25% + 2% as stated in the original loan) as a courtesy to you. Pursuant to the Forbearance Agreement the bank is entitled to charge you 6%. If you pay this lower number, the NOD will be withdrawn.
Diana Lee.
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: [email protected]
Website: www.reickerpfau.com
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