Union Bank      

District Attorney Dan Dow
Union Banks Grand Theft and Fraud is seen in the following PDF Documents. Please review Union Banks emails below in 2014 that never amended with the IRS. 
IRS_2012_July_20th_1099-A.pdf
753.0 KB
 
Union_Banks_10-24-2016_OCC_letter.pdf
751.8 KB

Union_Banks_Perjury__Fraud_Preditory_Lending_and_Breach_of_Contract__BK_15818-RR.PDF
3.0 MB


No California Bank Attorney should be allowed to change Bank documents with two Amortization Schedules.

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Thursday, December 15, 2016 5:10 PM
To: ddow@co.slo.ca.us; dvallely@co.slo.ca.us; da, sbcounty; Nudson, Anne
Cc: ombudsman@fdic.gov; ombudsman@sba.gov; sandiego@sba.gov; velie@calcoastnews.com; keithcarls@kcoy.com; cj.ward@keyt.com; mbesecker@ch13wla.com; shredder@newtimesslo.com; gstarkey@newtimesslo.com; cmcguinness@newtimesslo.com; pjohnson@newtimesslo.com; kgarcia@newtimesslo.com; 'Bill Bookout'; terrill.ashker@sba.gov; 'Mendoza, Carlos G.'
Subject: RE: Union Banks 2012 IRS 1099-A Form accounting showing Union Banks monthly Grand Theft and IRS Fraud-Bookout SBA Loan #100983501

 

December 15, 2016

 

Dan Dow SLO District Attorney

San Luis Obispo County District Attorney's Office
Economic Crime Unit
County Courthouse Annex
1050 Monterey Street, Room 223
San Luis Obispo, California 93408

 

Mr. Dan Dow San Luis Obispo District Attorney

 

Please review the email below to Union Bank on December 14, 2016.  Union Bank has responded today by (FED EX) sending three payments made to Union Bank since November 2016 back with a postdated letter of December 12, 2016.  I am resending three new payments dated December 15, 2016 with the SBA Loan # 100983501 on them with your name (Dan Dow) in the memo line.  Attached and as seen at www.unionbank.me are Union Banks 2012 IRS 1099-A accounting, that Union Bank provided to the IRS showing SBA Loan # 100983501 paid in Full as well as the July 20th 2016 1099-A Accounting received from the IRS on July 20th 2016 showing SBA Loan # 100983501 paid in Full. 

 

Union Bank has fraudulently on February 11, 2014 created a 2012 IRS 1099-A accounting, that Union Bank never provided to the Internal Revenue Service or amended any IRS 1098 Accounting back to 2007.  This is enclosed per Union Banks Grand Theft and Fraud since 2014, as they have never changed the 2012 IRS 1099-A accounting to the IRS or IRS 1098 Accounting going back to 2007!  This is Grand Theft by Union Bank and IRS Banking Fraud! 

 

Union Banks Attorney Robert B. Forouzandeh in Union Banks December 12, 2016 letter has changed the 2012 IRS 1099-A-SBA Loan # 100983501 that was paid in full with Union Banks 2012 IRS 1099-A with a Loan # of 0883917535-0000000001 per Union Banks 2012 IRS 1099-A obtained from the IRS on July 20th 2016.  I am making an official complaint with the San Luis Obispo County District Attorney's Office as I have already filed a complaint with the Comptroller of the Currency Case # 03097078 that has not been responded to date.  I have attached loan documents signed with Union Bank back to 2003 showing that no loan with Union Bank exists as claimed by Union Banks Attorney Robert B. Forouzandeh in Loan # of 0883917535-0000000001 per Union Banks December 12th 2016 letter!!

 

San Luis Obispo District Attorney Dan Dow:  Union Banks Attorney Robert B. Forouzandeh bulling actions needs to end!  Union Banks two sets of books and use of restraining orders is why the Comptroller of the Currency Case # 03097078 and local news media is attached!  CJ Ward cj.ward@keyt.com Keith Carls keithcarls@kcoy.com  Cal Coast News --Karen Velie velie@calcoastnews.com San Luis Obispo New Times Glen Starkey - gstarkey@newtimesslo.com -cmcguinness@newtimesslo.com--pjohnson@newtimesslo.com--kgarcia@newtimesslo.com-per Union Banks two sets of books in Union Banks IRS Accounting Fraud!  Please see email statements by Union Banks Attorney Robert B. Forouzandeh per his February 28, 2013 emails below!

 

I ask that the San Luis Obispo District Attorney and the San Luis Obispo Grand Jury get involved with Union Bank accounting fraud and Grand Theft fully seen at www.officeofthecomptrollerofthecurrency.com -- www.unionbank.me --www.unionbankna.com  -- www.unionbanks.net Union Banks Attorney Robert B. Forouzandeh has created each monthly payment notice for SBA Loan # 100983501 since 2012 with his use of restraining orders in asking any SBA Loan Banking questions of Union Bank.  I now ask the San Luis Obispo County District Attorney's Office to investigate Union Banks action per Union Banks 2012 IRS 1099-A accounting SBA Loan # 100983501.

 

Sincerely

 

William A. Bookout

SBA Loan # 100983501---SBA PLP Loan # 664-196-4009

 

CC Scott Stephens

CC Comptroller of the Currency Case # 03097078 FAXED TO # 713-336-4301

CC Dan Dow through dvallely@co.slo.ca.us -- ddow@co.slo.ca.us

CC Union Bank

 

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Wednesday, December 14, 2016 11:44 AM
To: 'Robert Forouzandeh'; dlee@rppmh.com; dvallely@co.slo.ca.us; ddow@co.slo.ca.us
Cc: 'da, sbcounty'; ombudsman@fdic.gov; ombudsman@sba.gov; sandiego@sba.gov; velie@calcoastnews.com; keithcarls@kcoy.com; cj.ward@keyt.com; mbesecker@ch13wla.com; shredder@newtimesslo.com; gstarkey@newtimesslo.com; cmcguinness@newtimesslo.com; pjohnson@newtimesslo.com; kgarcia@newtimesslo.com; 'Bill Bookout'; stephens1040@mail.com
Subject: RE: Union Banks 2012 IRS 1099-A Form accounting showing Union Banks monthly Grand Theft and IRS Fraud-Bookout SBA Loan #100983501

 

December 14, 2016

 

Robert B. Forouzandeh, Union Bank and Union Bank Senior Vice President Christine Sontag through Union Bank SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh appointed by Santa Barbara Commissioner Denise Motter and Santa Barbara Superior Court Judge Colleen K. Sterne, use of Restraining orders in asking SBA Loan # 100983501 questions of Union Bank!

 

RE: Union Banks  November 7, 2016 Email: Union Bank has never stated or “admitted” that your loan was paid in full and no document provided to you has ever stated or implied such either because your loan has not been paid in full and in fact is currently in default.”

 

This is a Demand of Union Bank, per Union Banks November 7, 2016 Email and December 2, 2016 letter to immediately remove Union Banks lien on the 470 Price Street Property and Inventory with Union Banks 2012 IRS 1099-A on SBA Loan # 100983501 that Union Bank provided to the IRS; as the IRS provided at the July 20th 2016 IRS for tax years 2012, 2013 and 2014 Audit showing this SBA Loan as Paid in Full in 2012!  Union Bank has failed to answer SBA Loan Questions on October 17, 2016 as seen at www.officeofthecomptrollerofthecurrency.com -- www.unionbank.me --www.unionbankna.com  -- www.unionbanks.net

 

Union Banks two sets of books and use of restraining orders is why the Comptroller of the Currency Case # 03097078 and local news media is attached! CJ Ward cj.ward@keyt.com Keith Carls keithcarls@kcoy.com  Cal Coast News --Karen Velie velie@calcoastnews.com San Luis Obispo New Times Glen Starkey - gstarkey@newtimesslo.com -cmcguinness@newtimesslo.com--pjohnson@newtimesslo.com--kgarcia@newtimesslo.com-per Union Banks two sets of book in Union Banks IRS Accounting Fraud!  This is now a National News Story with Union Banks  2012 IRS 1099-A Accounting provided by the IRS on July 20th 2016, per Union Banks December 7, 2016 email and October 24, 2016 letter! 

 

This is a Demand of Union Bank, per Union Banks  November 7, 2016 Email and December 2, 2016 letter to immediately refund all Principal and interest Payments totaling $157,968.00 plus compounded interest since February 22, 2012 with Union Banks two sets of Books against Union Bank 2012 IRS-1099-A provided at the July 20th 2016 IRS Audit by the IRS!

1)      Attached is Union Banks Two May 6, 2011 Amortization Schedules using SBA Loan # 100983501 prepared by Diana Jessup Lee and Robert B. Forouzandeh per Union Banks October 24, 2016 Rescission letter!

2)      Attached is Union Banks August 29th 2011 SBA Form 1149 showing Union Banks two sets of books against the two amortization schedules prepared by Diana Jessup Lee and Robert B. Forouzandeh!

3)      Attached is Union Banks May 19, 2011 letter written by Diana Jessup Lee showing Union Banks two sets of books per Union Banks August 18, 2014 Loan Transaction History!

4)      Attached is Union Banks June 23, 2006, August 24th 2011 and September 23rd 2011 Payment Notices on SBA Loan # 100983501 showing Union Banks two sets of books!

5)      Attached is Union Banks November 7, 2011Online Payment Notice on SBA Loan # 100983501 showing Union Banks two sets of books!

6)      Attached is Union Banks 2007 Forbearance Agreement Breached by Union Bank per SBA Loan # 100983501 showing Union Banks two sets of books!

7)      Attached is a November 9, 2007 Demand letter from Union Bank per SBA Loan # 100983501 showing Union Banks two sets of books!

8)      Attached is a October 26, 2010 Demand letter from Union Bank per SBA Loan # 100983501 showing Union Banks two sets of books!

9)      Attached is a March 2, 2010 Demand letter from Union Bank per SBA Loan # 100983501 showing Union Banks two sets of books!

10)  Attached is Union Banks January 6, 2011 (Proof of Claim) SBA Loan # 100983501 showing Union Banks two sets of books!

 

Union Bank has failed to provide any evidence to show that Union Banks SBA Loan #100983501 is not paid off!  Each document 1-10 above refers to SBA Loan #100983501 per Union Banks 2012 IRS 1099-A showing Union Banks SBA Loan #100983501 as paid off in Full!

 

11)  Attached is Union Banks August 18, 2014 claimed Loan Transaction History for SBA Loan # 100983501 showing Union Banks Grand Theft and Fraud with Union Banks two sets of books, now fully known to the Comptroller of the Currency Case # 03097078!   Union Bank per the IRS July 20th 2016 accounting has not changed any IRS 1098 Forms going back to 2007 per Union Banks August 18, 2014 Loan Transaction history, again showing Union Banks Grand Theft and Fraud since August 18, 2014!  Union Bank shows that Union Bank Stole $45,171.20 in Union Banks August 18, 2014 claimed Loan Transaction History with Union Banks October 24, 2016 rescission letter per Union Banks amortization in 2007 changed by Union Bank along with Union Bank now claiming $47,695.47 in an interest Balance on August 18, 2014! 

 

Union Bank is fully aware that Union Bank shows in their 2012 1099-A provided to the IRS by Union Bank a balance of Principal Out Standing in Box # 2 to be 00.0 as seen in Union Banks 2012 IRS 1099-A.  The IRS July 20th 2016 1099-A Accounting shows Union Bank did not check box # 5 making any payments later made to Union Bank to be Grand theft by Union Bank, per SBA Loan # 100983501!  No other SBA Loans exist with Union Bank!

 

Union Bank Stating December 7, 2016:  Union Bank has never stated or “admitted” that your loan was paid in full and no document provided to you has ever stated or implied such either because your loan has not been paid in full and in fact is currently in default.” Is Ridiculous with Union Banks 2012 IRS-1099-A, that Union Bank provided to the IRS!  Union Bank now owes Four years of $39.492.00 per year with Union Banks Fraud and Grand Theft through Payment Notices made by Robert B. Forouzandeh!  Union Bank now has two weeks to pay this amount before turning Union Banks Grand Theft and Fraud in Union Banks two sets of books over to the San Luis Obispo District Attorney Dan Dow, the California State Attorney General along with the California State Bar per Comptroller of the Currency Case # 03097078!

 

In Regards to Union Banks December 2, 2016 letter claiming an account # of 0883917535-0000000001 and Union Banks December 7, 2016 email and recent payment Notices prepared by Union Banks Attorney Robert B. Forouzandeh against Union Banks 2012 IRS 1099-A SBA Loan #100983501 that Union Bank provided to the IRS.  Three disputed payments have been made to Union Bank SBA Loan #100983501 for Union Banks Grand Theft and Fraud, known to Union Bank in Check # 1768 on December 9, 2016—Check # 1754 on November 7, 2011 and Check # 1765 on November 25th 2016!  Union Banks December 2, 2016 letter written by Union Banks Attorney Robert B. Forouzandeh claiming an account # of 0883917535-0000000001 is again evidence of Union Banks two set of books, Grand Theft and Banking Fraud made public!

 

Union Bank has stated February 28, 2013 as seen at www.unionbank.me against IRS accounting and Banking laws--IRS 1098 Forms and amortization schedules are two different things with different purposes.  Our May 6, 2011 amortization schedule is accurate.” This is part of Union Banks two sets of books Per Union Banks October 24, 2016 letter, against the 2012 IRS 1099-A provided by Union Bank to the IRS!

 

Union Bank has stated February 28, 2013 as seen at www.unionbank.me against IRS July 20th 2016 Accounting and Banking laws — In response to your question pertaining to your 2007 IRS Form 1098:  As a result of your many defaults on your loan, there have been many changes to your loan calculations.  The settlement you negotiated in the 2007 Forbearance Agreement was very unique and benefitted you in ways that were contrary to your loan terms, as well as the bank’s standard procedures.  The department which sends out the IRS Forms 1098, which is separate from the department that handles your loan, was not aware of the more favorable terms given to you.  The interest amount listed in the 2007 Form 1098 does not affect how your loan has been credited or amortized by SBBT.”  

This is part of Union Banks two sets of books against the 2012 IRS 1099-A provided by Union Bank to the IRS!  Union Bank has not amended any IRS 1098 Forms back to 2007 per Union Banks October 24, 2016 Rescission Letter or provided the IRS an accounting of Union Banks rescission and date of rescission! 

 

Again, This is a Demand of Union Bank, per Union Banks November 7, 2016 Email and December 2, 2016 letter to immediately remove Union Banks lien on the 470 Price Street Property and Inventory with Union Bank 2012 IRS 1099-A on SBA Loan # 100983501 provided at the July 20th 2016 IRS Audit for tax years 2012, 2013 and 2014 by the IRS showing this SBA Loan as Paid in Full in 2012!  

 

Again, This is a Demand of Union Bank, per Union Banks November 7, 2016 Email and December 2, 2016 letter to immediately refund all Principal and interest Payments totaling $157,968.00 plus compounded interest since February 22, 2012 with Union Banks two sets of Books (AMORTIZATION SCHEDULES) created by Union Banks Attorneys against Union Bank 2012 IRS-1099-A provided at the July 20th 2016 IRS Audit by the IRS! 

 

 

Sincerely

 

William A. Bookout

SBA Loan # 100983501---SBA PLP Loan # 664-196-4009

 

CC Scott Stephens

CC Comptroller of the Currency Case # 03097078 FAXED TO # 713-336-4301

CC Dan Dow through dvallely@co.slo.ca.us -- ddow@co.slo.ca.us

 

 

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Wednesday, December 07, 2016 11:08 AM
To: 'Robert Forouzandeh'; dlee@rppmh.com; mjbarbeau@rppmh.com
Cc: 'da, sbcounty'; ombudsman@fdic.gov; ombudsman@sba.gov; sandiego@sba.gov; velie@calcoastnews.com; keithcarls@kcoy.com; cj.ward@keyt.com; mbesecker@ch13wla.com; dvallely@co.slo.ca.us; shredder@newtimesslo.com; gstarkey@newtimesslo.com; cmcguinness@newtimesslo.com; pjohnson@newtimesslo.com; kgarcia@newtimesslo.com; stephens1040@mail.com; 'Bill Bookout'
Subject: RE: Bookout SBA Loan #100983501

 

December 7, 2016

 

Robert B. Forouzandeh, Union Bank and Union Bank Senior Vice President Christine Sontag through Union Bank SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh appointed by Santa Barbara Commissioner Denise Motter and Santa Barbara Superior Court Judge Colleen K. Sterne.

 

Re: Union Banks December 7, 2016 email at 9:34 am regarding the IRS Audit for 2012, 2013 and 2014---- Comptroller of the Currency Case # 03097078.  Union Bank Stating December 7, 2016:  Union Bank has never stated or “admitted” that your loan was paid in full and no document provided to you has ever stated or implied such either because your loan has not been paid in full and in fact is currently in default.”

 

Union Bank, Again it is undisputed that SBA Loan # 100983501 was paid in Full on February 22, 2012 as seen in Union Banks 2012 IRS 1099-A attached!  Robert B. Forouzandeh, If Union Bank has changed this 2012 IRS 1099-A with the IRS, then Union Bank will need to immediately provide a revised accounting of this 2012 IRS 1099-A by 4:20 pm Today, that Union Bank provided to the IRS!  If Union Bank does not respond and provide this accounting evidence; then Union Bank will admit to Union Banks Grand Theft and Fraud in regards to SBA Loan # 100983501!!

 

Union Bank/Robert B. Forouzandeh:  The Payment Notice SBA Loan # 100983501 that Union Bank has provided December 6, 2016 was paid in full per Union Banks 2012 IRS 1099-A Form, that Union Bank provided to the IRS in 2013!  Again, Please have Union Bank review Union Banks SBA Loan # 100983501 documents at  www.officeofthecomptrollerofthecurrency.com -- www.unionbank.me --www.unionbankna.com  -- www.unionbanks.net .

 

The IRS will no longer be copied as the IRS is now Fully aware of Union Banks IRS Fraud and Grand Theft!  In Response to Union Banks December 7, 2016 Email at 9:34 am!  Union Bank has received two disputed payments since Union Banks October 24, 2016 rescission letter as seen posted at these websites www.officeofthecomptrollerofthecurrency.com -- www.unionbank.me --www.unionbankna.com  -- www.unionbanks.net and attached, that need to be put aside to pay IRS taxes per the November 30, 2016 and December 5, 2016 emails below to the IRS!   

 

Robert B. Forouzandeh, Please see Local News Media; Cal Coast News --Karen Velie velie@calcoastnews.com and San Luis Obispo New Times Glen Starkey - gstarkey@newtimesslo.com -cmcguinness@newtimesslo.com--pjohnson@newtimesslo.com
--
kgarcia@newtimesslo.com-attached with Union Banks IRS Accounting Fraud!  This is now a National News Story with Union Banks  2012 IRS 1099-A Accounting provided by the IRS on July 20th 2016, per Union Banks December 7, 2016 email! 

 

Sincerely

 

William A. Bookout

SBA Loan # 100983501---SBA PLP Loan # 664-196-4009

 

CC Scott Stephens

CC Comptroller of the Currency Case # 03097078 FAXED TO # 713-336-4301

 

From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Wednesday, December 07, 2016 9:34 AM
To: Bill Bookout
Subject: RE: Bookout SBA Loan #100983501

 

Mr. Bookout:

 

Union Bank has never stated or “admitted” that your loan was paid in full and no document provided to you has ever stated or implied such either because your loan has not been paid in full and in fact is currently in default.

 

 

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

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

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.

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

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: Tuesday, December 06, 2016 4:20 PM
To: Robert Forouzandeh; stewartyoung@irs.gov
Cc: 'da, sbcounty'; ombudsman@fdic.gov; ombudsman@sba.gov; sandiego@sba.gov; velie@calcoastnews.com; keithcarls@kcoy.com; cj.ward@keyt.com; mbesecker@ch13wla.com; dvallely@co.slo.ca.us; shredder@newtimesslo.com; gstarkey@newtimesslo.com; cmcguinness@newtimesslo.com; pjohnson@newtimesslo.com; kgarcia@newtimesslo.com; stephens1040@mail.com; 'Bill Bookout'
Subject: RE: Union Banks 2012 IRS 1099-A Form accounting showing Union Banks monthly Grand Theft and IRS Fraud!

 

December 6, 2016

 

Union Bank, ---Robert B. Forouzandeh, Union Bank and Union Bank Senior Vice President Christine Sontag through Union Bank SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh appointed by Santa Barbara Commissioner Denise Motter and Santa Barbara Superior Court Judge Colleen K. Sterne.

 

Again it is undisputed that SBA Loan # 100983501 was paid in Full on February 22, 2012 as seen in Union Banks IRS 1099-A attached!

 

Re: IRS Audit 2012, 2013 and 2014---- Comptroller of the Currency Case # 03097078

 

The Payment Notice SBA Loan # 100983501 that Union Bank has provided December 6, 2016 was paid in full per Union Banks 2012 IRS 1099-A Form that Union Bank provided to the IRS in 2013!  Please have Union Bank review Union Banks SBA Loan # 100983501 documents at  www.officeofthecomptrollerofthecurrency.com -- www.unionbank.me --www.unionbankna.com  -- www.unionbanks.net . Union Bank has received two disputed payments since Union Banks October 24, 2016 rescission letter as seen posted at these websites, that need to be put aside to pay IRS taxes per the November 30, 2016 and December 5, 2016 emails below to the IRS!   Union Bank has failed to dispute that SBA Loan # 100983501 was not paid in Full!   Union Bank had falsely claimed to have filed a new IRS 1099-A per the Oceano Nursery SBA Loan with the IRS in 2014 which was found to be fraudulent at the IRS July 20th 2016 Audit.  Please see Local News Media Cal Coast News Karen Velie velie@calcoastnews.com and San Luis Obispo New Times Glen Starkey - gstarkey@newtimesslo.com attached with Union Banks IRS Accounting Fraud!

 

IRS Agent Stuart Young has been requested to obtain a Subpoena for Union Banks SBA Loan # 100983501 accounting going back to 2007 with Union Banks October 24, 2016 Letter and the IRS Audit for 2012, 2013 and 2014---- Comptroller of the Currency Case # 03097078.

 

Robert B. Forouzandeh, provide this communication with Union Bank and have Union Bank provide a full and itemized accounting of the Rescission claimed by Union Bank in Union Banks October 24, 2016 letter all the way back to 2007 within 24 hours or Union Bank can admit before the IRS and Local News Media that Union Banks SBA Loan # 100983501 was paid in Full on February 22, 2012! 

 

Sincerely

 

William A. Bookout

SBA Loan # 100983501---SBA PLP Loan # 664-196-4009

 

CC Scott Stephens

CC. IRS Agent Stuart Young

2384 Professional Parkway

Santa Maria, Ca 93455

CC Union Bank through the Internal Revenue Service

CC Glen Starkey - gstarkey@newtimesslo.com
CC Chris McGuinness -
cmcguinness@newtimesslo.com
CC Peter Johnson -
pjohnson@newtimesslo.com
CC Karen Garcia -
kgarcia@newtimesslo.com

CC Karen Velie velie@calcoastnews.com

CC Comptroller of the Currency Case # 03097078 FAXED TO # 713-336-4301

_____________________________________________________________________________________

 

From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Tuesday, December 06, 2016 2:15 PM
To: Bill Bookout (
Pismobeachdiveshop@charter.net)
Subject: Bookout SBA Loan #100983501

 

Mr. Bookout,

 

Union Bank, formerly, Santa Barbara Bank & Trust, hereby submits the following monthly loan statement for your loan. 

 

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

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

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.

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

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: Monday, December 05, 2016 9:46 AM
To:
stewartyoung@irs.gov; Jacqueline.England@occ.treas.gov
Cc: 'Robert Forouzandeh'; 'da, sbcounty';
ombudsman@fdic.gov; ombudsman@sba.gov; sandiego@sba.gov; velie@calcoastnews.com; keithcarls@kcoy.com; cj.ward@keyt.com; mbesecker@ch13wla.com; dvallely@co.slo.ca.us; shredder@newtimesslo.com; gstarkey@newtimesslo.com; cmcguinness@newtimesslo.com; pjohnson@newtimesslo.com; kgarcia@newtimesslo.com; 'Bill Bookout'; stephens1040@mail.com
Subject: RE: Union Banks 2012 IRS 1099-A Form accounting showing Union Banks monthly Grand Theft and IRS Fraud!

 

December 5, 2016

 

Internal Revenue Service-Agent Stuart Young

2384 Professional Parkway

Santa Maria, Ca 93455

Fax # 855-293-4983

 

Re: IRS Audit 2012, 2013 and 2014---- Comptroller of the Currency Case # 03097078

 

Dear Mr. Stuart Young-- Internal Revenue Service

Attached is Union Banks claimed February 27, 2012 Payment Notice and Union Banks 2012 IRS 1099-A Form provided by the IRS at the July 20th 2016 Audit.  Union Bank has not changed any 1098 Forms going back to 2007 showing Union Banks Fraud and Grand Theft along with having two sets of books!  Please pay close attention to Union Banks November 7, 2011 online accounting attached showing Union Banks Two sets of books (Known to the Comptroller of the Currency Case # 03097078—Fax # 713-336-4301).  Union Bank had claimed to have filed a new 1099-A per the Oceano Nursery SBA Loan with the IRS in 2014 which was found to be fraudulent at the July 20th 2016 Audit.

 

The IRS is requested to Subpoena Union Banks Attorney Fee Charges of $57,676.17 per Union Banks February 27, 2012 payment Notice.  It is believed that Robert B. Forouzandeh’s $57,676.17 charged was for his creation of two Amortization Schedules adding $45,171.20 onto this SBA Loan not seen in Union Banks November 7, 2011 online accounting.  Please see my Accountants May 2015 accounting.   Is it legal with the IRS to allow Union Bank and California Banks to have two sets of books per SBA Loan # 100983501 paid in full as Union Bank presented to the IRS in Union Bank IRS 1099-A in 2012?

 

With Union Banks 2012 1099-A provided by the IRS at the July 20th 2016 Audit.  I am not allowed to write-off the 2012 Mortgage interest of $15,897.04 claimed by Union Bank??

With Union Banks 2012 1099-A provided by the IRS at the July 20th 2016 Audit.  I am not allowed to write-off any of the 2013 Mortgage interest of $15,783.87 claimed by Union Bank??

With Union Banks 2012 1099-A provided by the IRS at the July 20th 2016 Audit.  I am not allowed to write-off any of the 2014 Mortgage interest of $11,724.55 claimed by Union Bank??

With Union Banks 2012 1099-A provided by the IRS at the July 20th 2016 Audit.  I am not allowed to write-off any of the 2015 Mortgage interest of $claimed by Union Bank??

 

I am asking the IRS about how I should make payments to Union Bank per the November 7th and 25th, 2016 payments made to Union Bank per the July 20th 2016 Audit?  Would this be considered Grand Theft by Union Bank if they had not changed IRS 1099-A Accounting with the IRS from the 2012 IRS 1099-A I obtained at the July 20th 2016 Audit?  I am not able to ask questions of Union Bank as Union Banks Senior Vice President Christine Sontag uses restraining orders to stop SBA Loan # 100983501 questions of Union Bank; which now involves the Internal Revenue Service. .  No California Bank should be allowed to have two sets of books as seen in Union Banks September 23rd 2011 Payment Notice and November 7, 2011 online accounting at $6%!  Union Banks use of Santa Barbara Commissioner Denise Motter and Santa Barbara Superior Court Judge Colleen K. Sterne in stopping SBA loan questions of Union Bank in itself should be a National News story with Union Banks October 24, 2016 letter claiming Union Banks Rescission of the 2007 Forbearance agreement!

 

The questions asked of Union Bank and the IRS are posted to  www.officeofthecomptrollerofthecurrency.com -- www.unionbank.me --  www.unionbankna.com –With Union Banks October 24, 2016 letter!   I have attached local News Media; San Luis Obispo New Times (Glen Starkey, Chris McGuinness, Peter Johnson, Peter Johnson, Karen Garcia) Cal Coast News(Karen Velie), KCOY and KEYT along with the Comptroller of the Currency Case # 03097078 per Union Banks IRS Fraud in regards to SBA Loan # 100983501 paid in Full as seen in Union Banks 2012 IRS 1099-A Form!  Union Banks actions in doing a rescission per Union Banks October 24, 2016 letter from two Amortization Schedules created by Union Banks Attorneys is a National News story best herd Nationally with ABC, NBC, CBS News

 

Union Banks new claimed interest rate per Union Banks October 24, 2016 letter was not provided in Union Banks November 7, 2011 online accounting or Union Banks September 23rd 2011 Payment Notice, showing Union Banks two sets of books!  Again, Union Bank has not changed any IRS 1098 Forms going back to 2007 showing Union Banks Fraud and Grand Theft along with having two sets of books to the Internal Revenue Service!  I am again requesting the IRS to Subpoena Union Banks SBA Loan # 100983501 accounting with Union Banks October 24, 2016 Letter and Union Banks claimed IRS 1099-A changed with the IRS on February 11, 2014!!

 

Sincerely

 

 

William A. Bookout

SBA Loan # 100983501---SBA PLP Loan # 664-196-4009

 

CC Scott Stephens

CC Comptroller of the Currency Case # 03097078

CC Union Bank through the Internal Revenue Service

CC Glen Starkey - gstarkey@newtimesslo.com
CC Chris McGuinness -
cmcguinness@newtimesslo.com
CC Peter Johnson -
pjohnson@newtimesslo.com
CC Karen Garcia -
kgarcia@newtimesslo.com

CC Karen Velie velie@calcoastnews.com

 

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Saturday, December 03, 2016 1:20 PM
To: 'Mary Jo Barbeau';
stewartyoung@irs.gov
Cc: 'Robert Forouzandeh';
Jacqueline.England@occ.treas.gov; 'da, sbcounty'; ombudsman@fdic.gov; ombudsman@sba.gov; sandiego@sba.gov; 'Bill Bookout'; velie@calcoastnews.com; keithcarls@kcoy.com; cj.ward@keyt.com; mbesecker@ch13wla.com; dvallely@co.slo.ca.us
Subject: RE: Union Banks 2012 IRS 1099-A Form accounting showing Union Banks monthly Grand Theft and IRS Fraud!

 

December 3, 2016

 

MARY JO BARBEAU | Assistant to Diana Jessup Lee and Robert B. Forouzandeh
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: mjbarbeau@rppmh.com

 

MARY JO BARBEAU,

 

Re: Comptroller of the Currency Case # 03097078—Fax # 713-336-4301

 

Inform Union Bank and Robert B. Forouzandeh that Union Banks SBA Loan # 100983501 was paid in Full per Union Banks 2012 IRS 1099-A Form provided by the IRS at the July 20th 2016 Audit.  This Loan # 0883917535-0000000001 is not a SBA loan and does not exist with the Union Banks 2012 IRS 1099-A Form provided by the IRS at the July 20th 2016 Audit.  IRS Stewart Young is copied to Union Banks Grand Theft!

 

In the future let Robert B. Forouzandeh send his own fraudulent letters and emails!  Any further communication from you will make you an, accomplish to the Grand Theft and Fraud committed by Robert B. Forouzandeh on Behalf of Union Banks Senior Vice President Christine Sontag!

 

Sincerely

 

William A. Bookout

SBA Loan # 100983501---SBA PLP Loan # 664-196-4009

 

CC Scott Stephens

CC Comptroller of the Currency Case # 03097078

CC Union Bank through the Internal Revenue Service

 

 

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Wednesday, November 30, 2016 1:55 PM
To:
Jacqueline.England@occ.treas.gov
Cc:
Carol-Ann.Hulme@sba.gov; sandiego@sba.gov; 'Mendoza, Carlos G.'; ombudsman@fdic.gov; ombudsman@sba.gov; 'da, sbcounty'; san.francisco@ic.fbi.gov; sluong@ch13wla.com; dlee@rppmh.com
Subject: FW: Union Banks 2012 IRS 1099-A Form accounting showing Union Banks monthly Grand Theft and IRS Fraud!

 

November 30, 2016

 

Internal Revenue Service-Agent Stuart Young

2384 Professional Parkway

Santa Maria, Ca 93455

Fax # 855-293-4983

 

Re: IRS Audit 2012, 2013 and 2014---- Comptroller of the Currency Case # 03097078

 

Dear Mr. Stuart Young-- Internal Revenue Service

Union Banks SBA Loan Representatives Robert B. Forouzandeh is attached and disputes Union Bank IRS 2012 1099-A Form provided by the IRS at the July 20th 2016 Audit, against Union Bank own accounting.  Union Bank shows that SBA Loan # 100983501 was paid in Full per Union Bank 2012 IRS 1099-A Form.  This in its self will change all of my taxes going back to 2012 and 2007 if Union Bank in fact did a Rescission and changed all IRS 1098 Forms going back to 2007.  It is believed that that Union Bank took the $57,676.17 charged in Attorney Fees, $45,171.20 in improper accounting along with $39,750.00 charged, to fix up the Oceano Nursery property with Union Banks $26,500.00 as a 10% Union Bank charge on all Foreclosures and $9,274.00 back property Taxes to come up with Union Banks 2012 IRS 1099-A. (See Union Banks February 21st and 27th, 2012 emails attached.)

Attached is the 2012 IRS 1099-A I obtained at the July 20th 2016 Audit.  This shows SBA Loan # 100983501 being Paid in Full on February 22, 2012.  I wish to amend my 2014 and 2015 Federal Tax Returns using the Principal and Interest paid Union Bank as a full write-off as Union Bank did not provide the IRS an amended 2012 1099-A in 2014 as seen attached.   This come to $39,492.00 per Tax Year 2014 and 2015 as a full write-off per Union Banks IRS Fraud and Grand Theft.  I had asked the IRS at the July 20th 2016 Audit to Subpoena my Union Bank Records, which has not occurred.  I again ask the IRS to Subpoena Union Banks accounting records per Union Banks October 24, 2016 letter and Union Banks 2012 IRS 1099-A.  This will need to be provided to the Comptroller of the Currency Case # 03097078.

I ask the IRS if they believe that Union Banks SBA Loan # 100983501 was paid in Full per the Union Banks 2012 IRS 1099-A Form provided by the IRS at the July 20th 2016 Audit?   If so then I will owe more taxes for 2012, 2013, 2014 to present!

I ask the IRS if Union Bank changed their IRS 1098 Forms all the way back to 2007 per Union Banks first October 24, 2016 rescission letter attached?  Attached are Union Banks 2007, 2008, 2009 and 2010 IRS 1098 forms not changed with the IRS, per Union Banks claimed rescission.  Attached is a Loan Transaction History, Union Bank provided on June 25, 2013 showing Union Banks 1098 Form changes all the way back to 2007, which would mean I would have to amend my taxes all the way back to 2007.  Has Union Bank made these corrections to the IRS? 

I intend to write-off the $57,676.17 in Attorney Fees charged by Union Bank in my 2016 taxes along with the $45,171.20 overcharged by Union Bank and the $39,492.00, taken in unjustified payments per Union Banks Rescission mentioned in Union Banks October 24th 2016 letter.  Please see the 2015 letters from my Accountant attached.  Union Bank shows in their 2012 1099-A provided to the IRS a balance of Principal Out Standing of 00.0 as seen in Union Banks 2012 1099-A.  The IRS July 20th 2016 1099-A Accounting shows a Question Mark ? under # 5 ( “If checked, the borrower was Personally Liable for Repayment of the Debt?”)  Does the IRS have any questions about this?  Union Bank did not check box # 5 making any payments later made to Union Bank a full IRS Tax write-off as Union Bank has never amended Union Banks 2012 IRS 1099-A to the IRS.   Attached with Union Banks October 24, 2016 letter are Union Banks online accounting on November 7, 2011 showing that Union Bank keeps two sets of records known to the Comptroller of the Currency Case # 03097078 as seen at www.officeofthecomptrollerofthecurrency.com

Attached with Union Banks October 24, 2016 letter is Union Banks August 29, 2011 SBA Form 1149 known to the Comptroller of the Currency Case # 03097078 showing that Union Bank keeps two sets of records along with the OCC August, June and July 2011 letters showing Union Bank keeping two sets of Banking records. 

I ask the IRS about Union Banks 2012 1099-A per # 6 regarding the Oceano Nursery inventory foreclosed on by Union Bank.  Was this inventory the reason Union Bank put 0.00 in Box # 2 of Union Banks 2012 IRS 1099-A Form?  The IRS is requested to Subpoena Union Bank Inventory Opinion Letters from 2007 to present as this Inventory was valued over $300,000.00!  Union Bank has since sold this inventory!

In Union Banks February 6, 2014 email, attached regarding the Oceano Nursery Inventory.  Union Bank mentions waiving fees.  Am I liable with the IRS for these fees mentioned waived by Union Bank?

I am asking the IRS about how I should make payments to Union Bank per the November 7th and 25th, 2016 payments made to Union Bank attached?  Would this be considered Grand Theft by Union Bank if they had not changed IRS 1099-A Accounting with the IRS from the 2012 IRS 1099-A I obtained at the July 20th 2016 Audit?  I am not able to ask questions of Union Bank as Union Banks Senior Vice President Christine Sontag uses restraining orders to stop SBA Loan # 100983501 questions of Union Bank; which now involves the Internal Revenue Service.

Sincerely

 

 

William A. Bookout

SBA Loan # 100983501---SBA PLP Loan # 664-196-4009

 

CC Scott Stephens

CC Comptroller of the Currency Case # 03097078

CC Union Bank through the Internal Revenue Service

 

 

 

From: Mary Jo Barbeau [mailto:mjbarbeau@rppmh.com]
Sent: Friday, December 02, 2016 4:10 PM
To: Bill Bookout
Cc: Robert Forouzandeh
Subject: 470 Price Street, Pismo Beach, CA

 

 

Please see the attached correspondence from Robert Forouzandeh.  The original will follow by mail.

 

 

MARY JO BARBEAU | Assistant to Diana Jessup Lee and Robert B. Forouzandeh
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: mjbarbeau@rppmh.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.

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

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.

 

________________________________________________________________________________

 

For San Luis Obispo District Attorney Dan Dow with Union Banks IRS Accounting Fraud and Grand Theft per the July 20th 2016 IRS SBA Form 1099-A showing SBA Loan # 100983501 as paid in Full.  Attached below is the Communication with Union Bank in 2013 and 2014 per Union Banks IRS 1099-A

________________________________________________________________________________

From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Friday, February 21, 2014 3:32 PM
To: Bill Bookout
Cc: Chris Gautschi (sanschromo@yahoo.com); RichardRossi [richard@rossilegal.com] (richard@rossilegal.com); Diana Lee
Subject: RE: In re William Arthur Bookout USBC Cen.Dist.CA.CaseNo.9:11-bk-15818

 

Mr. Bookout,

 

Although we have answered each of these questions for you on multiple occasions in the past, I will do so again in this email:

 

  1.  In regard to Box #2 on Form 1099-A:  This was the principal balance of your loan on the date of the foreclosure sale of the Oceano property.  Please see the various loan summaries and statements that have been previously provided to you.

 

  1. The $189,000 value set forth in Box #4 is the price that the Oceano property was sold for at the Trustee Sale.  The sale price is the only amount that Union Bank was required to credit.

 

  1. The $57,676.17 charge was for attorney’s fees and costs incurred as a result of your default on your note.  These charges were assessed pursuant to the terms of the Promissory Note and the Deed of Trust that you signed.  Additionally, these charges were approved by the Bankruptcy Court and were also itemized and provided to you on your February 27, 2012 loan statement.

 

  1. Box #5 was not eliminated.  It was merely left blank because you are not personally liable for repayment on the loan.  Instead, the loan is secured by the Oceano and the Pismo Beach properties.  On these types of forms, when a box is blank no entry is included for that particular box.

 

  1. As I have stated countless times, Union Bank did not foreclose on any of the inventory at the Oceano property. 

 

 

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: Friday, February 21, 2014 1:40 PM
To: dlee@rppmh.com; rforouzandeh@rppmh.com; mjbarbeau@rppmh.com
Cc: richard@rossilegal.com; 'Chris Gautschi'; keithcarls@kcoy.com; cj.ward@keyt.com; pbrinks@cappellonoel.com; legal@fdic.gov; Lcannon@dfi.ca.gov; ombudsman@fdic.gov; 'Debra Hernandez'; 'Mendoza, Carlos G.'; pismobeachsurfshop@charter.net; bobj@westdalecapital.com; 'da, sbcounty'; 'San Diego General Box'; 'SBA National Ombudsman'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'Nudson, Anne'; 'Hobby, Jill C.'; 'Hedgespeth, Grady'; ptrujillo@ch13wla.com; terrill.ashker@sba.gov; sandiego@sba.gov; sandra.mazzoni@sba.gov; ombudsman@sba.gov; 'Mendoza, Carlos G.'
Subject: RE: In re William Arthur Bookout USBC Cen. Dist.CA.CaseNo.9:11-bk-15818 Union Banks Fraud, Breach of Contract and Perjury

 

February 21, 2014

 

Union Bank

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

Attorney at Law

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

Tel:  805-966-2440

 

Dear Union Bank Court Appointed SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh,

 

Union Bank on February 18, 2014 provided a full version of the front and back of the 2012 IRS 1099 Form A for the Oceano Nursery Foreclosed SBA Loaned property.

 

I am requesting of Union Bank as to how # 2 Union Bank came to an amount owed of $395,320.40 as a principal balance on February 22, 2012?

 

I am requesting of Union Bank as to why # 4 the Fair Market Value of the Oceano Nursery property was only $189,000.00 compared to the Appraised value price of $265,000.00?

 

I am requesting of Union Bank as to why Union Bank charged on February 22, 2012 $57,676.17 of SBA Loaned money out of the $189,000.00 under # 4 in the February 11, 2014 IRS 1099 Form A?  Explain why Union Bank does not show this Modification change under # 5?

 

I am requesting an answer from Union Bank as to why Union Bank eliminated # 5 and does not show Union Banks December 26, 2011 SBA Loan Changes/Modifications during Bankruptcy in front of Judge Robin L. Riblet?  Please see Union Banks attached June 25, 2013 Loan Transaction History Modifications after the November 4, 2011loan payment!

 

I am requesting a full accounting from Union Bank per Union Banks IRS 1099 Form A # 6 for the Oceano Nursery inventory, valued of $307,500.00 and foreclosed on by Union Bank Successor to Santa Barbara Bank & Trust?  Union Bank does not show the 41 pallets of rock and two pallets of Nursery pots etc. under # 6.

 

 

Sincerely 

 

 

Bill Bookout

 

CC Comptroller of the Currency Administrator of National Banks Case # 01944977 www.occquestions.com  and www.unionbank.me  

CC California Governor Jerry Brown www.governorjerrybrown.net   

CC Kamala D. Harris, California Attorney General

CC California State Bar

CC Richard Rossi

CC Chris Gautschi

CC Jeffery Frederick-Santa Barbara District Attorney Supervising Investigator

CC SBA National Ombudsman

 

 

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Tuesday, February 11, 2014 4:42 PM
To: 'Robert Forouzandeh';
dlee@rppmh.com; ptrujillo@ch13wla.com
Cc: 'richard@rossilegal.com'; 'Chris Gautschi'; 'keithcarls@kcoy.com'; 'cj.ward@keyt.com'; 'pbrinks@cappellonoel.com'; 'legal@fdic.gov'; 'Lcannon@dfi.ca.gov'; 'ombudsman@fdic.gov'; 'Debra Hernandez'; 'Mendoza, Carlos G.'; 'pismobeachsurfshop@charter.net'; 'terrill.ashker@sba.gov'; 'bobj@westdalecapital.com'; 'shouchens@sbcourts.org'; 'da, sbcounty'; 'sandiego@sba.gov'; 'ombudsman@sba.gov'; 'adam.kaplan@sba.gov'; 'Nudson, Anne'; 'jill.hobby@sba.gov'; 'grady.hedgespeth@sba.gov'; 'sandra.mazzoni@sba.gov'
Subject: RE: In re William Arthur Bookout USBC Cen. Dist.CA.CaseNo.9:11-bk-15818 Union Banks Fraud, Breach of Contract and Perjury

 

February 11, 2014

 

Union Bank

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

Attorney at Law

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

Tel:  805-966-2440

 

Dear Union Bank Court Appointed SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh,

 

Please explain as to why Union Bank Falsified the Appraised Value of the Oceano Nursery property to be $189,000.00 in the 2012 Form 1099-A compared to the actual appraised value of $265,000.00 as Union Bank successor to SBB&T Presented to the Santa Barbara Bankruptcy Judge Robin L. Riblet!  Please see that Union Bank amends this 2012 Form 1099-A claim with the $307,500.00 of inventory foreclosed on by Union Bank successor to SBB&T.  Attached is Union Banks April 2, 2012 full knowledge of the Oceano Nursery inventory!  Explain as to why Union Bank did not account for this inventory under UCC Filing @ State of California located 1341 Description?

 

Please provide a full monthly breakdown of Union Banks claimed Principal Balance of $395,320.40 in the 2012 FORM 1099-A!  Explain how Union Bank came to this amount by amortizing $472,941.06 since 2007 with monthly payments of $4,121.06 per month up to September 16, 2011and then claiming $45,171.20 owed in deferred and defaulted in the Fraudulent May 19, 2011 Notice of Default?

 

Again please answer the questions asked below of Union Bank.  In 2013 Attorney John Belsher provided FOIA documents requested of Union Bank in 2013 and Denied by Union Bank as Union Bank Stated May 23, 2013:  The Real Estate Settlement Practice Act is not applicable to loans made for business purposes.  The Truth in Lending Act requires a lender to disclose certain pieces of information to a borrower prior to extending credit.  Your SBA loan was funded in 2003.  Therefore your “Full RESPA and Truth in Lending Act request” is unintelligible.”

 

1)      Please immediately explain as to why Union Bank successor to SBB&T did not pay off the 470 Price Street Balloon Payment in 2003?

 

2)      Please explain as to why Union Bank successor to SBB&T Falsified the August 20, 2003 (SBA Loan Analysis Presentation) showing (Revised: October 1, 2003?

 

3)      Please explain as to why Union Bank successor to SBB&T SBA--- Loan Representative Casey Appell signed his name to the SBA Falsified August 29, 2003  (Authorization) (SBA Guaranteed Loan)?

 

4)      Please explain as to why Union Bank successor to SBB&T did not pay off the $75,000.00 on the Hacienda Bank Business Loan per the July 23, 2003 (SBA LOAN Checklist)?

 

5)    Please explain as to why Union Bank successor to SBB&T has ignored the SBA PLP Loan # 664-196-4009 Note dated October 6, 2003 (Payment Terms)?  “Lender must adjust the payment amount at least annually as needed to amortize principal over the remaining term of the note.”

 

6)    Please explain as to why Union Bank successor to SBB&T has not paid for the Oceano Nursery inventory foreclosed on per the October 6, 2003 Commercial Security Agreement ?  This inventory had a retail value of over $307,500.00!  Union Bank Acknowledges the UCC filing on February 11, 2014.

 

7)    With Union Banks April 2, 2012 letter provided on February 6, 2014.  Please explain as to why Union Bank successor to SBB&T ignored P2 in the August 20, 2003 (SBA Loan Analysis Presentation) as stated!  “The same collateral will not be used on this loan; a deed of trust will not be taken on this property since it is fully secured on a liquidation basis with the deed on the Paso Robles St. property and the UCC Security agreement covering all business assets.” Union Bank Acknowledges the UCC filing on February 11, 2014.

8)    

 

9)      Please explain as to why Union Bank successor to SBB&T changed the August 27, 2003 (Loan Committee Presentation Report) with Business Assets/Inventory on October 1, 2003 by adding the 470 Price Street property without paying off the Hacienda Bank Balloon payment of $300,000.00 coming due in 2017?

 

10) Please immediately provide a detailed accounting of Union Banks Attorney fees charged on February 22, 2012 of $57,676.17 for Union Banks fraudulent statements in Union Banks emails from January 25, 2011 to February 11, 2014 as seen below!

 

11) Union Bank successor to SBB&T claimed August 29, 2011 to the United States Small Business Administration in a SBA Form 1149 (Loan Transaction History)  as provided by Richard Rossi, that the Oceano Nursery SBA principal balance was $390,996.91 and then changed this amount on October 28, 2011 and January 6, 2012 during bankruptcy in their two (Proof of Claim) to Judge Robin L. Riblet, to be $400,962.89.  What did Union Bank do with this $9,965.98 of principal per Union Banks Fraudulent charges and changes during Bankruptcy?  The $390,996.91 amount shows in the 2009-2010 IRS 1098 Forms and SBB&T”S September 23, 2011 (Payment Notice). What has Union Bank done with this extra principal paid and un accounted for in Union Banks June 25, 2013 (Loan Transaction History)?  Union Bank admits January 18, 2012,  full knowledge of the August 29, 2011 Loan Transaction history as stated by Union Bank:  Thus, neither the August 29, 2011 Form 1149 nor SBBT's bankruptcy filings are incorrect or fraudulent as you contend.” Union Bank now claims February 11, 2014 that the Principal Balance was $395,320.40 against the Union Bank amortized amount of $472,941.20 since July 2007!

 

12) Union Bank is again asked, as to why Union Bank falsified the June 25, 2013 (Loan Transaction History) claiming five payments totaling $22,274.66 were applied to principal against Union Banks own August 29, 2011  (Loan Transaction History)?  

Union Bank Fraudulently States January 24, 2013.  As I have done on numerous occasions, I direct you to Schedule 2 which was attached to my May 6, 2011 letter to you as well as my letter to you dated May 19, 2011 in which I explain that your $22,274.46 payment in July, 2007 was applied to satisfy your monthly  principal and interest payments due for May, June, July, August and September, 2006 which you had failed to pay. “  

Union Bank Fraudulently States January 8, 2013  You ask how SBBT “applied the 2007 five payments of $22,274.46…”  As I stated in detail in my May 19, 2011 letter, pursuant to the express terms of the Forbearance Agreement, the $22,274.46 payment was credited towards satisfying the principal and interest owed by you for the May 2006-September 2006 payments on your SBA loan which you had previously failed to make.”          Union Bank then Fraudulently States June 27, 2014 As you requested, I am providing you with a complete transaction history of your loan current as of June 25, 2013.  As we have repeatedly told you, when you defaulted on the Forbearance Agreement it was rescinded and your loan was recalculated as though none of the benefits in the Forbearance Agreement had ever been provided.  As a result, this current history may vary from statements and other documents you may have received in the past which were calculated using the terms of the Forbearance Agreement.  Additionally, this document will not match the amortization schedules which were previously provided to you, because as I have repeatedly told you, amortization schedules set forth the schedule of future payments on a loan if the terms of the loan are adhered to i.e. they are forward looking.  Amortization schedules do not take into account missed payments, late payments, fees incurred etc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           

 

13)    Union Bank successor to SBB&T is asked to account for late fees of $206.05 at 5% of $472,941.06 amortized since 2007 with monthly payments of $4,121.06 per month up to September 16, 2011 and then changed in Union Bank successor to SBB&T two (Proof of Claims to Judge Robin L. Riblet on October 28, 2011 and January 6, 2012?  Please see attached SBA NOTE guide lines P. 2 of 6 “Lender must adjust the payment amount at least annually as needed to amortize principal over the remaining term of the note.”  Please see Union Banks June 27, 2014 email.

 

14) Please explain Union Bank Successor to SBB&T fraudulently claiming $45,171.20 owed in deferred and defaulted payments against Union Banks own June 25, 2013 Loan Transaction History? Explain as to why Union Bank successor to SBB&T would commit this kind of fraud in their two Proof of claims to the United States Bankruptcy Court Judge Robin L. Riblet?

 

15)   Please explain why Union Banks Senior Vice President Christine Sontag would State through Robert B. Forouzandeh on September 7, 2011  “Also, we provided you with 2 amortization schedules simply as a courtesy to you and to extend additional benefits in Schedule #2 to you which you were not entitled to as a gesture of good faith and in an effort to settle this matter.” Union Banks February 11, 2014 2012 FORM 1099 A is false and Fraudulent with this accounting!

 

16)   Please explain why Union Banks Senior Vice President Christine Sontag would file a restraining order on behalf of Union Bank in front of Santa Barbara Superior Court Commissioner Denise Motter on January 28, 2013?  Explain why Union Bank/Senior Vice President Christine Sontag believes P.4 that Diana Jessup Lee May 19, 2011 threating letter is accurate against the August 29, 2011 (Loan Transaction History) Accounting?  Union Bank 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.”

 

17)   Please explain why Union Banks Senior Vice President Christine Sontag would State through Robert B. Forouzandeh on January 18, 2011 Against the August 29, 2011 Loan Transaction History!   “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. ” Explain how Union Bank believes that the August 29, 2011 Loan Transaction History was calculated using the figures of the 2007 Forbearance Agreement per Union Banks February 11, 2014 FORM 1099-A for 2012?

 

18)   Please explain why Union Banks Senior Vice President Christine Sontag would falsely State through Robert B. Forouzandeh on August 3, 2011 “My response is as follows: Initially, the deferred payments were amortized into the loan after execution of the forbearance.  This was indicated in the two amortization schedules that Ms. Lee provided to you previously.  Subsequently, you defaulted on the loan and the forbearance agreement by failing to make payments.”   With Union Banks/Robert B. Forouzandeh, June 27, 2013 email stating:  Amortization schedules do not take into account missed payments, late payments, fees incurred etc.”

 

19)   Please explain why Union Banks Senior Vice President Christine Sontag would State through Robert B. Forouzandeh on November 23, 2011 during Bankruptcy, -----Union Banks, fraudulent claim against the August 29, 2011 (Loan Transaction History!  Union Bank States:  “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.” Explain how Union Bank feels it is legal to add $9,965.98 onto a SBA Loan during forced bankruptcy Against IRS 1098’s and the Union Bank August 29, 2011 Loan Transaction History?

 

20)   Please explain why Union Banks Senior Vice President Christine Sontag would falsely State through Robert B. Forouzandeh on November 18, 2011 during forced Bankruptcy against Union Banks August 29, 2011 Loan Transaction History    “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.”   Explain how Union Banks November 18, 2011 claim is accurate against the Union Bank August 29, 2011 Loan Transaction History and Union Bank amortizing the Oceano Nursery SBA loan from 2007 at 6% of $472,941.06 with monthly payments of $4,12106 per month?    

 

Again I am requesting  an answer to the questions that have been asked of Union Bank as seen below on February 6, 2014, January 28, 2013, February 14, 2013, February 2, 2014 and asked of California Governor Jerry Brown on February 6, 2013!  I am requesting full re-imbursement of the over $307,500.00 of Oceano Nursery inventory that Union Bank sold to Price Hinds Plaza (1.3 Personal Property) per Union Banks April 2, 2012 email, that was not provided to the United States Bankruptcy Court and myself as Union Bank states:!   Since the rocks are personal property and not part of the real property that was sold at the trustee sale, there was no need to include the rocks in the valuation of the Oceano property or credit Mr. Bookout with the value of the rocks or disclose the rocks to the Bankruptcy Court.”

 

 

Sincerely 

 

 

Bill Bookout

 

CC Comptroller of the Currency Administrator of National Banks Case # 01944977 www.occquestions.com  and www.unionbank.me  

CC California Governor Jerry Brown www.governorjerrybrown.net   

CC Kamala D. Harris, California Attorney General

CC California State Bar

CC Richard Rossi

CC Chris Gautschi

CC Jeffery Frederick-Santa Barbara District Attorney Supervising Investigator

CC SBA National Ombudsman

hhh

 

From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Tuesday, February 11, 2014 3:29 PM
To: Bill Bookout
Cc: Richard Rossi [richard@rossilegal.com] (
richard@rossilegal.com); Chris Gautschi (sanschromo@yahoo.com); Diana Lee
Subject: RE: In re William Arthur Bookout USBC Cen. Dist. CA.CaseNo.9:11-bk-15818 Union Banks Fraud, Breach of Contract and Perjury

 

Mr. Bookout:

 

As you requested, please find attached a copy of your 2012 Form 1099-A.

 

If you have any questions please feel free to contact me to discuss.

 

 

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: Thursday, February 06, 2014 4:26 PM
To: 'Robert Forouzandeh';
mjbarbeau@rppmh.com; dlee@rppmh.com
Cc: 'richard@rossilegal.com'; 'Chris Gautschi'; 'keithcarls@kcoy.com'; 'cj.ward@keyt.com'; 'pbrinks@cappellonoel.com'; 'legal@fdic.gov'; 'Lcannon@dfi.ca.gov'; 'ombudsman@fdic.gov'; 'Debra Hernandez'; 'Mendoza, Carlos G.'; 'pismobeachsurfshop@charter.net'; 'terrill.ashker@sba.gov'; 'bobj@westdalecapital.com'; 'shouchens@sbcourts.org'; 'da, sbcounty'; 'sandiego@sba.gov'; 'ombudsman@sba.gov'; 'adam.kaplan@sba.gov'; 'Nudson, Anne'; 'jill.hobby@sba.gov'; 'grady.hedgespeth@sba.gov'; 'sandra.mazzoni@sba.gov'
Subject: RE: In re William Arthur Bookout USBC Cen. Dist.CA.CaseNo.9:11-bk-15818 Union Banks Fraud, Breach of Contract and Perjury

 

February 6, 2014

 

Union Bank

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

Attorney at Law

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

Tel:  805-966-2440

 

Dear Union Bank Court Appointed SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh,

 

Thank you for Union Banks February 6, 2014 response and a copy of Union Bank successor to SBB&T email to Chris Gautschi on April 2, 2012.  Explain as to why Union Bank successor to SBB&T never provided a copy of this email to my Attorney Richard Rossi or myself?  As you are fully aware, Union Bank is to account for this inventory in the IRS Form 1099-A!

 

Diana Jessup Lee--Robert B. Forouzandeh.  Explain as to why Union Bank successor to SBB&T did not provide this April 2, 2012 Email to the United States Bankruptcy Court?

 

I question as to why Union Bank successor to SBB&T would state:

 “Since the rocks are personal property and

not part of the real property that was sold at the trustee sale, there was no need to include the rocks in the valuation of the

Oceano property or credit Mr. Bookout with the value of the rocks or disclose the rocks to the Bankruptcy Court. The duty

of disclosure was solely Mr. Bookout's, which he has failed to do.”

 

I question as to why Union Bank successor to SBB&T would state: 

“2. The rocks are the personal property of Mr. Bookout which he left on the property after the trustee sale was

completed. SBBT does not want the rocks and will not sell them on behalf of Mr. Bookout. If Mr. Bookout wants to sell

his rocks, he can sell them himself. Since February 21, 2012, I have stated to you on multiple occasions, that Mr.

Bookout is free to enter the Oceano property and remove the rocks and/or any other personal property from the site. Mr.

Bookout has failed to do so. The bank wants the rocks removed so that it can sell the property. If Mr. Bookout fails to

remove the rocks, SBBT is going to hire someone to come and haul the rocks away. SBBT will not get paid for the

rocks and will have to incur costs for this removal.”

 

 

Diana Jessup Lee--Robert B. Forouzandeh. Please provide a copy of your February 21, 2012 communication with Richard Rossi and any communication in regards to Union Banks April 2, 2012 Email!  Explain this statement after Union Bank foreclosed on the Oceano Nursery property and inventory?

“3. Your contention that Mr. Bookout should be credited with the full value of the rocks is preposterous. First, SBBT does

not own the rocks, nor does it want to. Second, even if SBBT did hold title to the rocks, which it does not, as I have stated

to you on numerous occasions, SBBT is not in the landscape business and does not deal with the sale of landscape

rocks. To assume that SBBT could somehow obtain the wholesale, let alone, retail value for the rocks defies all

logic. Why would SBBT go through the effort of selling landscape rocks which do not belong to it and which it did not

foreclose upon. Your additional contention that SBBT should just let the rocks sit there for an indefinite period of time so

that Mr. Bookout can come and sell the rocks from SBBT's property is equally ridiculous. The bank is currently attempting

to sell the Oceano property. The presence of the rocks is interfering with that process and SBBT wants this issue taken

care of as soon as possible.”

 

Diana Jessup Lee--Robert B. Forouzandeh. Please explain as to why Union Bank successor to SBB&T choose not sell any of the Oceano Nursery inventory per Union Banks # A. Answer?

Explain as to why Union Bank # B has not credited toh Oceano Nursery SBA Loaned Inventory?

“I am going to summarize SBBT's position as follows:

A. SBBT will not sell any of the personal property, including the rocks, left on the Oceano property by Mr. Bookout.

B. SBBT will not give any credit to Mr. Bookout for any of the personal property, including the rocks, left on the Oceano

property by Mr. Bookout.

C. SBBT is in the process of getting bids for the removal of the rocks from the Oceano property so that it can sell the

Oceano property. The removal bids are simply for hauling away the rock and nothing else. SBBT will be paying for this

removal out of its own pocket and will not be getting paid in any way.

D. Even though Mr. Bookout has already abandoned the personal property and SBBT can dispose of it as it wishes, as

a gesture of good faith, if Mr. Bookout wants to sell the rocks or.any other personal property that he left behind on the

Oceano property, he is free to enter the site after providing me with 24 hours notice prior to his visit to remove any such

personal property and do whatever he wishes with the personal property that he left behind.

E. Once the bid for removal of the rocks is obtained and a date for removal is set, I will contact you and advise you

when the rocks will be removed and give Mr. Bookout one final chance to go and remove the rocks himself before they

are disposed of. Again, this is simply being done as a gesture of good faith as SBBT is under no duty or obligation to

provide notice prior to disposal of personal property left behind on the Oceano property by Mr. Bookout.”

 

“If you have any questions or dispute any of the facts that I have set forth above, I suggest you call me to talk through them

as opposed to sending me letters filled with unsupported facts and theories of law.”

 

Explain Union Banks # E comment after foreclosure of the Oceano Nursery inventory?

 

Diana Jessup Lee and Robert B. Forouzandeh, Again Thank you for Union Banks February 6, 2014 response and a copy of Union Bank successor to SBB&T email to Chris Gautschi on April 2, 2012.  Explain as to why Union Bank successor to SBB&T never provided a copy of this email to my Attorney Richard Rossi, myself or the United States Bankruptcy Court?  I am expecting full retail re-imbursement for the Oceano Nursery inventory sold by Union Bank successor to SBB&T. 

 

Again I am requesting  an answer to the questions that have been asked of Union Bank as seen below on January 28, 2013, February 14, 2013, February 2, 2014 and asked of California Governor Jerry Brown on February 6, 2013!  

 

 

Sincerely 

 

 

Bill Bookout

 

CC Comptroller of the Currency Administrator of National Banks Case # 01944977 www.occquestions.com  and www.unionbank.me  

CC California Governor Jerry Brown www.governorjerrybrown.net   

CC Kamala D. Harris, California Attorney General

CC California State Bar

CC Richard Rossi

CC Chris Gautschi

CC Jeffery Frederick-Santa Barbara District Attorney Supervising Investigator

CC SBA National Ombudsman

 

 

From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Thursday, February 06, 2014 2:22 PM
To: Bill Bookout
Cc: Diana Lee; Richard Rossi [richard@rossilegal.com](
richard@rossilegal.com); Chris Gautschi(sanschromo@yahoo.com)
Subject: RE: In re William Arthur Bookout USBC Cen. Dist.CA.CaseNo.9:11-bk-15818 Union Banks Fraud, Breach of Contract and Perjury

 

Mr. Bookout:

 

Although we have previously provided the April 2, 2012 correspondence to both you and your attorney, I am sending it to you again as a professional courtesy and it is attached to this email.

 

As to Form 1099-C, Union Bank’s voluntary decision to waive a certain portion of the fees on your loan as a courtesy, did not qualify as an “identifiable event” which would require the issuance of a Form 1099-C. 

 

Please contact me if you have any further questions.


Robert 

 

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Thursday, February 06, 2014 2:04 PM
To: Robert Forouzandeh; Mary Jo Barbeau; Diana Lee
Cc:
richard@rossilegal.com; 'Chris Gautschi'; keithcarls@kcoy.com; cj.ward@keyt.com; pbrinks@cappellonoel.com; legal@fdic.gov; Lcannon@dfi.ca.gov; ombudsman@fdic.gov; 'Debra Hernandez'; 'Mendoza, Carlos G.'; pismobeachsurfshop@charter.net; terrill.ashker@sba.gov; bobj@westdalecapital.com; shouchens@sbcourts.org; da, sbcounty; sandiego@sba.gov; ombudsman@sba.gov; adam.kaplan@sba.gov; Nudson, Anne; jill.hobby@sba.gov; grady.hedgespeth@sba.gov; sandra.mazzoni@sba.gov
Subject: RE: In re William Arthur Bookout USBC Cen. Dist. CA.CaseNo.9:11-bk-15818 Union Banks Fraud, Breach of Contract and Perjury

 

February 6, 2014

 

Union Bank

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

Attorney at Law

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

Tel:  805-966-2440

 

Dear Union Bank Court Appointed SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh,

 

Thank you for Union Banks February 6, 2014 response below!  Again, please answer the questions that have been asked of Union Bank as seen below on January 28, 2013, February 14, 2013, February 2, 2014 and asked of California Governor Jerry Brown on February 6, 2013!  Per the Comptroller of the Currency Administrator of National Banks Case # 01944977 January 17, 2014 letter.   Please review your June 27, 2013 per your February 6, 2014 statement Below regarding IRS Form 1099-C  Furthermore, as you will see, Union Bank, and its predecessors, although never obligated to do so, have waived $14,984.80 in various fees over the course of your loan which discredits your baseless claims of impropriety with regards to the handling of the loan. “

 

Attached is Union Banks Falsified June 25, 2014 Loan Transaction history against Union Bank successor to SBB&T August 29, 2011 Loan Transaction History as presented to the United States Bankruptcy Court by Richard Rossi.  Union Bank claims February 22, 2012 Attorney Fees of $57,676.17 -- Against IRS Form 1099-A Rules as seen in Union Banks June 25, 2014 Loan Transaction History!

02/22/2012 Foreclosure Payment $57,676.17 5.250% 0 42.8088 $0.00 ($57,676.17) $297,622.87 $757.64 $0.00 $15,984.57”

 

09/16/2011 Late Charge $206.05 5.250% 17 57.6727 $980.44 $206.05 $400,962.89 $36,288.55 $6,919.46 $22,730.45

10/11/2011 Regular Payment $4,121.06 5.250% 25 57.6727 $1,441.82 $4,121.06 $0.00 $400,962.89 $33,609.31 $6,919.46 $22,730.45

11/03/2011 11/04/2011 Regular Payment $4,121.06 5.250% 23 57.6727 $1,326.47 $4,121.06 $0.00 $400,962.89 $30,814.72 $6,919.46 $22,730.45

12/12/2011 Fee Charge $101.74 5.250% 39 57.6727 $2,249.24 $101.74 $400,962.89 $33,063.96 $6,919.46 $22,832.19

12/26/2011 Late Charge Waived $6,919.46 5.250% 14 57.6727 $807.42 ($6,919.46) $400,962.89 $33,871.38 $0.00 $22,832.19

 

Diana Jessup Lee--Robert B. Forouzandeh, Again, Please immediately provide a copy of Yours and Union Banks April 2, 2012 inventory letter as requested!  You and Union Bank State February 6, 2014:   Finally, the April 2, 2012 letter that you refer to was sent to your attorney.  He should have a copy of it in his records.”

 

 

Sincerely 

 

 

Bill Bookout

 

CC Comptroller of the Currency Administrator of National Banks Case # 01944977 www.occquestions.com  and www.unionbank.me  

CC California Governor Jerry Brown www.governorjerrybrown.net   

CC Kamala D. Harris, California Attorney General

CC California State Bar

CC Richard Rossi

CC Chris Gautschi

CC Jeffery Frederick-Santa Barbara District Attorney Supervising Investigator

CC SBA National Ombudsman

 

From: Robert Forouzandeh [mailto:rforouzandeh@rppmh.com]
Sent: Thursday, February 06, 2014 12:39 PM
To: Bill Bookout
Cc: Diana Lee; Richard Rossi [richard@rossilegal.com](
richard@rossilegal.com); Chris Gautschi(sanschromo@yahoo.com)
Subject: RE: In re William Arthur Bookout USBC Cen. Dist. CA.CaseNo.9:11-bk-15818 Union Banks Fraud, Breach of Contract and Perjury

 

Mr. Bookout:

 

Your request for a copy of your 2012 Form 1099-A has been received and is being processed.  Union Bank is in the process of obtaining a copy of this form from its archives.  Once it is procured, I will forward it to you.

 

As to your request for a 2012 Form 1099-C no such form was ever generated as Union Bank never cancelled any portion of your loan. 

 

Finally, the April 2, 2012 letter that you refer to was sent to your attorney.  He should have a copy of it in his records.

 

Please contact me if you have any further 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: Thursday, February 06, 2014 11:48 AM
To: Robert Forouzandeh; Mary Jo Barbeau; Diana Lee
Cc:
richard@rossilegal.com; 'Chris Gautschi'; keithcarls@kcoy.com; cj.ward@keyt.com; pbrinks@cappellonoel.com; legal@fdic.gov; Lcannon@dfi.ca.gov; ombudsman@fdic.gov; 'Debra Hernandez'; 'Mendoza, Carlos G.'; pismobeachsurfshop@charter.net; terrill.ashker@sba.gov; bobj@westdalecapital.com; shouchens@sbcourts.org; da, sbcounty; sandiego@sba.gov; ombudsman@sba.gov; adam.kaplan@sba.gov; Nudson, Anne; jill.hobby@sba.gov; grady.hedgespeth@sba.gov; sandra.mazzoni@sba.gov
Subject: RE: In re William Arthur Bookout USBC Cen. Dist. CA. CaseNo.9:11-bk-15818 Union Banks Fraud, Breach of Contract and Perjury

 

February 6, 2014

 

Union Bank

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

Attorney at Law

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

Tel:  805-966-2440

 

Dear Union Bank Court appointed SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh,

 

RE; Union Banks June 25, 2013 Loan Transaction History and questions previously asked of Union Bank:

 

Again , Please immediately provide a copy of Union Bank successor to SBB&T, Small Business Administration (SBA) PLP loan # 664-196-4009)--- 2012 IRS 1099 Form A and IRS 1099 Form C.  Please see attached below---- Union Banks responsibilities per IRS Regulations Box 1-6 along with Form 1099-C!

 

Please provide an accounting of the Oceano Nursery inventory foreclosed on as acknowledged by Diana Jessup Lee in 2013 in her January 8, 2013 letter.  On April 2, 2012, Mr. Forouzandeh wrote your attorney Mr. Gautschi stating that Santa Barbara Bank & Trust (“SBBT”) did not foreclose on any of the Oceano Nursery inventory, and that the foreclosure was limited to the real property.  The only “inventory” left at the Oceano property after the Trustees Sale was landscape rock.” 

 

Please immediately provide a copy of the April 2, 2012 letter claimed by Diana Jessup Lee on January 8, 2013!

 

Sincerely 

 

 

Bill Bookout

 

CC Comptroller of the Currency Administrator of National Banks Case # 01944977 www.occquestions.com  and www.unionbank.me  

CC California Governor Jerry Brown www.governorjerrybrown.net   

CC Kamala D. Harris, California Attorney General

CC California State Bar

CC Richard Rossi

CC Chris Gautschi

CC Jeffery Frederick-Santa Barbara District Attorney Supervising Investigator

CC SBA National Ombudsman

 

 

Box 1. Date of Lender's Acquisition or Knowledge of Abandonment

For an acquisition, enter the date you acquired the secured property. An interest in the property generally is acquired on the earlier of the date title is transferred to the lender or the date possession and the burdens and benefits of ownership are transferred to the lender. If an objection period is provided by law, use the date the objection period expires. If you purchase the property at a sale held to satisfy the debt, such as at a foreclosure or execution sale, use the later of the date of sale or the date the borrower's right of redemption, if any, expires.

For an abandonment, enter the date you knew or had reason to know that the property was abandoned unless you expect to commence a foreclosure, execution, or similar action within 3 months, as explained earlier. If a third party purchases the property at a foreclosure, execution, or similar sale, the property is treated as abandoned, and you have reason to know of its abandonment on the date of sale.

 

 

Box 2. Balance of Principal Outstanding

Enter the balance of the debt outstanding at the time the interest in the property was acquired or on the date you first knew or had reason to know that the property was abandoned. Include only unpaid principal on the original debt. Do not include accrued interest or foreclosure costs.

 

 

Box 4. Fair Market Value (FMV) of Property

For a foreclosure, execution, or similar sale, enter the FMV of the property. See Temporary Regulations section 1.6050J-1T, Q/A-32. Generally, the gross foreclosure bid price is considered to be the FMV. If an abandonment or voluntary conveyance to the lender in lieu of foreclosure occurred and you placed an “X” in the checkbox in box 5, enter the appraised value of the property. Otherwise, make no entry in this box.

 

 

Box 5. Was Borrower Personally Liable for Repayment of the Debt

If the borrower was personally liable for repayment of the debt at the time the debt was created or, if modified, at the time of the last modification, enter an “X” in the checkbox.

 

 

Box 6. Description of Property

Enter a general description of the property. For real property, generally you must enter the address of the property, or, if the address does not sufficiently identify the property, enter the section, lot, and block.

For personal property, enter the applicable type, make, and model. For example, describe a car as “Car—2009 Honda Accord.” Use a category such as “Office Equipment” to describe more than one piece of personal property, such as six desks and seven computers. Enter “CCC” for crops forfeited on Commodity Credit Corporation loans.

 

Coordination With Form 1099-C

If, in the same calendar year, you cancel a debt in connection with a foreclosure or abandonment of secured property, it is not necessary to file both Form 1099-A and Form 1099-C, Cancellation of Debt, for the same debtor. You may file Form 1099-C only. You will meet your Form 1099-A filing requirement for the debtor by completing boxes 4, 5, and 7 on Form 1099-C. However, if you file both Forms 1099-A and 1099-C, do not complete boxes 4, 5, or 7 on Form 1099-C. See the instructions for Form 1099-C, later.

 

Property

Property means any real property (such as a personal residence), any intangible property, and tangible personal property except:

 

No reporting is required for tangible personal property (such as a car) held only for personal use. However, you must file Form 1099-A if the property is totally or partly held for use in a trade or business or for investment.

No reporting is required if the property securing the loan is located outside the United States and the borrower has furnished the lender a statement, under penalties of perjury, that the borrower is an exempt foreign person (unless the lender knows that the statement is false).

 

 

Coordination With Form 1099-A

If, in the same calendar year, you cancel a debt of $600 or more in connection with a foreclosure or abandonment of secured property, it is not necessary to file both Form 1099-A, Acquisition or Abandonment of Secured Property, and Form 1099-C for the same debtor. You may file Form 1099-C only. You will meet your Form 1099-A filing requirement for the debtor by completing boxes 4, 5, and 7 on Form 1099-C. However, you may file both Forms 1099-A and 1099-C; if you do file both forms, do not complete boxes 4, 5, or 7 on Form 1099-C. See the instructions for Form 1099-A, earlier, and Box 4, Box 5, and Box 7, later.

 

Who Must File

File Form 1099-C if you are:

                       

A financial institution described in section 581 or 591(a) (such as a domestic bank, trust company, building and loan or savings and loan association).

 

A credit

 

 

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Sunday, February 02, 2014 1:25 PM
To: 'Robert Forouzandeh';
mjbarbeau@rppmh.com; dlee@rppmh.com
Cc: 'Richard Rossi [richard@rossilegal.com] (
richard@rossilegal.com)'; 'Chris Gautschi (sanschromo@yahoo.com)'; 'keithcarls@kcoy.com'; 'cj.ward@keyt.com'; 'pbrinks@cappellonoel.com'; 'legal@fdic.gov'; 'Lcannon@dfi.ca.gov'; 'ombudsman@fdic.gov'; 'Debra Hernandez' (debra@rossilegal.com); 'Mendoza, Carlos G.' (Carlos.Mendoza@sba.gov); 'pismobeachsurfshop@charter.net'; 'terrill.ashker@sba.gov'; 'bobj@westdalecapital.com'; 'shouchens@sbcourts.org'; da, sbcounty (sbcountyda@co.santa-barbara.ca.us); sandiego@sba.gov; ombudsman@sba.gov; Kaplan, Adam D.(Off. Inspector Gen.) <adam.kaplan@sba.gov> (adam.kaplan@sba.gov); Nudson, Anne (anudson@co.santa-barbara.ca.us); Hobby, Jill C. <jill.hobby@sba.gov> (jill.hobby@sba.gov); grady.hedgespeth@sba.gov; 'sandra.mazzoni@sba.gov'
Subject: RE: In re William Arthur Bookout USBC Cen. Dist. CA. CaseNo.9:11-bk-15818 Union Banks Fraud, Breach of Contract and Perjury

 

February 2, 2014

 

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

Attorney at Law

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

Tel:  805-966-2440

 

Dear Union Bank Court appointed SBA Loan Representative’s Diana Jessup Lee and Robert B. Forouzandeh,

 

Diana Jessup Lee--Robert B. Forouzandeh, Thank you for your Union Bank response on January 31, 2013 as seen below! The Oceano Property was acquired at a Trustee Sale.  Pursuant to IRS regulations, a Form 1099-S is not required to be generated under such circumstances.”  Please immediately provide a copy of the IRS Form 1099 A—As seen in the Jeffery Frederick-Santa Barbara District Attorney Supervising Investigator email to California Governor Jerry Brown on February 6, 2013.  As seen at www.governorjerrybrown.net   

 

RE; Union Banks January 23, 2014 email and the Comptroller of the Currency Administrator of National Banks Case # 01944977 January 17, 2014 letter.  Union Bank successor to SBB&T, had claimed to the Comptroller of the Currency Administrator of National Banks Case # 01394465 per the OCC June 30, 2011 letter, that the 2007 five payments totaling $22,274.46 were applied to accrued and unpaid interest against Union Banks June 25, 2013 new and changed Loan Transaction History.

I have attached below a copy of the February 14, 2013 questions asked of Union Bank and the February 6, 2013 questions asked of California Governor Jerry Brown per the Comptroller of the Currency Administrator of National Banks Case # 01944977 January 17, 2014 letter.  Please have Union Bank answer each and every question per Union Bank successor to SBB&T Fraud to the Comptroller of the Currency Administrator of National Banks Case # 01394465 and Case # 770567!

Union Bank successor to SBB&T, had claimed to the Comptroller of the Currency Administrator of National Banks Case # 770567 per the OCC July 16, 2008 letter, that Union Bank successor to SBB&T was to “disburse $22,274.46 to pay towards the monthly principal and interest payments owing on the Note for the earliest five past due monthly payments (May 2006, June 2006, July 2007 and August 2006).”  This was never done as seen in Union Bank successor to SBB&T August 29, 2011 Loan Transaction History known to the Comptroller of the Currency Administrator of National Banks and Union Banks online loan transaction history up to November 4, 2011?  Union Bank admits June 27, 2013 to changing Union Bank Loan Transaction History’s as stated As a result, this current history may vary from statements and other documents you may have received in the past which were calculated using the terms of the Forbearance Agreement.  Additionally, this document will not match the amortization schedules which were previously provided to you, because as I have repeatedly told you, amortization schedules set forth the schedule of future payments on a loan if the terms of the loan are adhered to i.e. they are forward looking.” 

 

I am requesting an explanation from Union Bank as to why Union Bank did not RE-Amortize the Oceano Nursery SBA loan per Union Banks January 22, 2014 payment notice as Union Bank had done the prior year and in front of Judge Robin L. Riblet?

 

Attached is Union Bank successor to SBB&T March 30, 2012 Perjury in front of the United States Bankruptcy Court Judge Robin L. Riblet against Union Bank successor to SBB&T—August 29, 2011 SBA Form 1149--IRS 1098 Forms for 2007, 2008, 2009, 2010 along with Union Bank successor to SBB&T September 23, 2011 Payment notice showing Union Banks Fraud, Perjury and Breach of Contract!

 

Diana Jessup Lee and Robert B. Forouzandeh, Please immediately provide a copy of Union Banks 2012 IRS Form 1099-A for the purchase of the Union Bank successor to SBB&T-- Oceano Nursery SBA Loaned Property and Inventory at the forced foreclosure sale in 2012..  RE: Comptroller of the Currency Administrator of National Banks Case # 01944977 Questions. 

Sincerely 

 

 

Bill Bookout

 

CC Comptroller of the Currency Administrator of National Banks Case # 01944977 www.occquestions.com  and www.unionbank.me  

CC California Governor Jerry Brown www.governorjerrybrown.net   

CC Kamala D. Harris, California Attorney General

CC California State Bar

CC Richard Rossi

CC Chris Gautschi

CC Jeffery Frederick-Santa Barbara District Attorney Supervising Investigator

CC SBA National Ombudsman

 

 

From: Bill Bookout [mailto:pismobeachdiveshop@charter.net]
Sent: Thursday, October 31, 2013 7:56 AM
To: ptrujillo@ch13wla.com; dlee@rppmh.com; rforouzandeh@rppmh.com
Cc: 'Richard Rossi'; sanschromo@yahoo.com; 'da, sbcounty'; sandiego@sba.gov; ombudsman@fdic.gov; ombudsman@sba.gov; pbrinks@cappellonoel.com; adam.kaplan@sba.gov; legal@fdic.gov; Lcannon@dfi.ca.gov; pismobeachsurfshop@charter.net; terrill.ashker@sba.gov; sandiego@sba.gov; 'Mendoza, Carlos G.'; 'Fredericks, Jeffrey'
Subject: RE: In re William Arthur Bookout USBCCen.Dist.CA.CaseNo.9:11-bk-15818--Honorable Colleen K. Sterne/CommissionerDenise Motter Case # 1381216 Union Bank Fraud

 

October 31, 2013

 

Diana Jessup Lee, California State Bar # 155191 and Robert Forouzandeh, California State Bar # 247177.

Reicker, Pfau, Pyle & McRoy LLP

1421 State Street, Suite B

Santa Barbara, CA  93101

 

Diana Jessup Lee, California State Bar # 155191 and Robert Forouzandeh, California State Bar # 247177,

 

Re: Union Banks October 30, 2013 response!  Again, Please have Union Bank cash the check that has been provided to Union Bank and received by Union Bank on October 16, 2013!

 

Please immediately provide Union Banks 2013 IRS Form 1099-A for the fair market value of the Oceano Nursery property as previously requested!

 

Please have Union Bank immediately answer the questions asked of Elizabeth F. Rojas Chapter 13 Trustee  below on October 29, 2013 and October 14, 2013!  Please immediately provide a full detailed accounting of Union Banks Attorney Fees of $57,676.17 to myself and Chapter 13 Trustee Elizabeth F. Rojas!

 

Robert Forouzandeh, Please have Union Bank Fully account for the Oceano Nursery Inventory retail value of $307,500.00 per Chris Guatschi’s March 19, 2012 and April 2, 2012 letters to Robert Forouzandeh, California State Bar # 247177!  Please immediately provide this Accounting to myself and Elizabeth F. Rojas Chapter 13 Trustee!  I am requesting immediate full re-imbursement from Union Bank for the full retail value of $307,500.00!  Please see the Union Bank Successor to Santa Barbara Bank & Trust, Mentor, Group, Inc. Inventory Opinion Letter if you have any questions per inventory value!

 

Robert Forouzandeh, Please have Union Bank account to myself and Elizabeth F. Rojas Chapter 13 Trustee for Union Banks Fraudulent June 25, 2013 Loan Transaction History compared to the Santa Barbara Bank & Trust August 29, 2013 (SBA Form 1149) Loan Transaction History, that Chris Gautschi provided to you and questioned you in his March 19, 2012 letter as seen attached and at www.unionbank.me !  The August 29, 2013 (SBA Form 1149) Loan Transaction History was provided to Honorable Judge Robin L. Riblet on December 15, 2011 by Richard Rossi!  Explain how Union Bank now claims that Union Banks June 25, 2013 Loan Transaction History is accurate!

 

Robert Forouzandeh, Please have Union Bank now explain to myself and Elizabeth F. Rojas Chapter 13 Trustee as to how Union Bank in their June 25, 2013 Loan Transaction History have changed Union Banks Fraudulent accounting of the 2007 Forbearance and Workout Agreement 5 payments totaling $22,274.48!  Explain as to why Union Bank Successor to Santa Barbara Bank & Trust did not apply any principal in 2007 per the Forbearance and Workout Agreement!  Explain as to why Union Bank Successor to Santa Barbara Bank & Trust applied extra principal payments to late fees instead of Principal reduction as requested!

 

Robert Forouzandeh, Please see accounting below to Patricia Trujillo/Elizabeth F. Rojas Chapter 13 Trustee Per Union Banks prior monthly amortized Payments of $4,121.06 per month from $472,941.06 at 171 Payments against the 2007 Forbearance and Workout Agreement and the NOD filed by Union Bank Successor to Santa Barbara Bank & Trust on May 19, 2011.  Explain why Union Bank Successor to Santa Barbara Bank & Trust filed two fraudulent Proof of Claims to Honorable Judge Robin L. Riblet, per Chris Gautschi’s March 19, 2012 letter to you?  In this letter Chris Gautschi provided the Union Bank Successor to Santa Barbara Bank & Trust, August 29, 2011 Loan Transaction History showing how the Oceano Nursery SBA Loan had been improperly amortized by Union Bank Successor to Santa Barbara Bank & Trust!

 

Robert Forouzandeh, All Questions asked of Union Bank through Diana Jessup Lee, California State Bar # 155191 and Robert Forouzandeh, California State Bar # 247177 are posted at www.governorjerrybrown.net and www.unionbank.me Please answer the questions asked of Union Bank Successor to Santa Barbara Bank & Trust as Union Banks Vice President Christine Sontag has informed Santa Barbara Superior Court Commissioner Denise Motter and Honorable Judge Colleen K. Sterne, that Union Bank would answer the questions asked of Union Bank Successor to Santa Barbara Bank & Trust.

 

Sincerely

 

Bill Bookout

Pismo Beach Surf Shop

 

CC Judge Robin L. Riblet Case # ND11-15818-RR

CC Elizabeth F. Rojas Chapter 13 Trustee  Fax (818) 933-5755

CC Jeffery Frederick  Santa Barbara District Attorney Supervising Investigator

CC Carlos Mendoza-SBA Ombudsman-FDIC Ombudsman

_____________________________________________________________________________________________________________

 

 

 

 

 

                   

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