Is Union Bank Legally allowed to falsify and change loan documents as presented in the ANNEX's 1-6 to WIPO?

Is Freedom of Speech still legal on the internet?

Can you present Criticism and Commentary on the internet when a Bank commits fraud and perjury?


Union Bank admitted in their June 27, 2013 email, that Union Banks May 19, 2011 NOD and May 19, 2011 letters were both false.  Union Bank admitted that their May 6, 2011 letter and Amortization Schedules were both false.  Union Bank admitted their May 23, 2013 Email--February 28, 2013 Email--January 24, 2013 Email and January 8, 2013 Emails are false.


In 2007 I Bill Bookout as Oceano Nursery entered into a Forbearance and Workout Agreement with Union Bank Successor to Santa Barbara Bank & Trust, now fully known as Union Bank.  Union Bank immediately reneged on the 2007 Forbearance agreement by improperly amortizing my Oceano Nursery SBA Loan.  This has lead to Union Banks Perjury and Fraud as Union Bank on December 26, 2011 have attempted to change their mistakes within the United States Bankruptcy system.  Union Bank changed their prior Loan Transaction History and provided a new one on June 27, 2013.  Union Bank in this email claimed to waiving $14,984.80 in various fees and then charged $57,676.17 in Attorney fees on February 22, 2012.  How is this type of loan fraud legal in California?


Union Bank in January 2011 filed a fraudulent NOD on my SBA loaned property claiming $37,801.09 owed Union Bank on top of true Principal and Interest owed.  This lead to a lot of questions in emails to Union Bank.  In May 2011 I went into mediation with Union Bank in which the prior NOD was cancelled.  Union Bank then filed a new NOD on May 19, 2011 claiming a new falsified amount owed of $45,171.20 on top of Principal and Interest owed.  When I tried showing Union Bank their mistakes Union Banks Senior Vice President Christine Sontag filed for and obtained a Restraining order in June 2011 stopping any further questions of Union Bank, other then Union Banks Attorney Diana Jessup Lee and Robert Forouzandeh.  How is it Legal for Union Bank to claim $45,171.20 not owed Union Bank?


Union Bank in their Perjury and fraud as seen in Union Banks January and May 19, 2011 NOD and May 19, 2011 Diana Jessup Lee falsified Accounting letter have stolen SBA loaned money by claiming $45,171.20 owed in deferred payments.  The fact is Union Bank in 2007 fully amortized the Oceano Nursery SBA Loan at $472,823.87 with amortized monthly payments of $4,121.06 per month.  How can a Union Bank fully amortize a loan and then claim $45,171.20 owed in deferred and defaulted payments?  This question is asked publicly!


Union Bank claims in their now falsified May 19, 2011 Accounting letter that five payments totaling $22,274.16 was subtracted from their claimed debt of $487,469.96 down to $465,195.20.  This is not seen in the Certified August 29, 2011 SBA Form 1149 (Loan Transaction History) Union Bank did not apply any of the Principal from these five payments or properly amortize the Oceano Nursery SBA Loan.  See IRS 1098 Forms from 2007 to present.  Union Bank then commited Perjury and Fraud before the United States Bankruptcy Court on December 26, 2011 when they attempted to change their prior mistakes!  Union Bank actually amortized $472,941.06 at 6% over 171 payments of $4,121.06 per month.  Union Bank does not deny this per a August 26, 2014 letter written to Union Banks two SBA loan representatives Diana Jessup Lee and Robert Forouzandeh.  How can Union Bank take five payments and not apply any principal per their own forbearance agreement?


Union Bank in this Falsified May 19, 2011 letter stated:  "In this letter I again answer your most repeated questions and warn you that if you contact any PCB employees, officers or directors, I will seek a restraining order against you."  Union Bank then did this as seen in the PDF files attached.


On June 6, 2011 Union Banks Senior Vice President Christine Sontag filed a restraining order for asking SBA loan questions of Santa Barbara Bank & Trust at the time.  Christine Sontag believes it is harassment to ask banking questions # 5  in her beginning arguments she acknowledges the May 6, 2011 Diana Jessup lee letter; that has been shown on June 27, 2013 to be false Exhibit E.  Christine Sontag then acknowledges the May 19, 2011 letter that Robert Forouzandh on June 27, 2013 has shown to be fraudulent per the Amortization schedule accounting.. Exhibit # G. 


Union Banks January 30, 2013 restraining order shows Union Banks Senior Vice President Christine Sontag's Perjury and Fraud in her signed Declaration.  Union Banks Christine Sontag backs up Diana Jessup Lees May 19, 2011 letter in which on June 27, 2013 Union Banks SBA Loan representative Robert Forouzandeh claims is not accurate!  Union Banks Senior Vice President Christine Sontag States: "In an effort to dissuade Bookout from continuing his harassment, Ms. Lee again answered the four main questions Bookout continually asked over and over in his many communications."


Union Banks fraud and perjury has put Oceano Nursery out of Business!  This is a very large loss.


Union Banks Fraud and Perjury caused my Bankruptcy in which Union Bank took this opportunity to take a falsified principal balance of $390,996.91 and raise it to $400,962.89 during bankruptcy on December 26, 2011.  This is $9,965.98 stolen by Union Bank during a forced Bankruptcy as Union Bank now claims on June 27, 2013 that their amortizations schedules leading to them filing a restraining order and forcing bankruptcy are not accurate.  How is legal for Union Bank to falsify Loan Transaction history's against IRS 1098 Forms from 2007 to present?


Union Bank before changing the August 29, 2011 Certified SBA Form 1149 Loan Transaction History on December 26, 2011 filed a Proof of Claim by Union Banks Senior Vice President Doug Lutz on October 28, 2011.  In this Proof of Claim Union Bank claimed past due principal and interest payments of $82,162.79 with a principal balance of $400,962.89 against the certified August 29, 2011 Loan Transaction History.  Union Bank claimed a payment due of $4,077.32 against Union Banks August 24, 2011 Payment notice of $4,121.06 and then Union Bank claimed $45,171.20 owed in deferred and defaulted payments past due with Union Bank having previously amortized the SBA loan in 2007 at $472,941.06 at 6% over 171 payments.  How is this type of theft and banking fraud legal in California?  How could Union Bank ad on $45,171.20 showing principal and interest payments due of $82,162.79?


Karen L. Grant in her November 18, 2011 Objection claims $127,333.39 owed against Union Banks August 24, 2011 payment notice of $107,186.12.  These fraudulent actions are before Union Bank changed the August 29, 2011 loan transaction history on December 26, 2011.  Union Bank having amortized the SBA loan in 2007 from $472,941.06 over 171 payments at 6%  should never have been allowed to ad on $45,171.20 in Union Banks October 28, 2011 fraudulent Proof of Claim.  Richard Rossi on December 15, 2011 presented to the United States Bankruptcy Court a copy of the Certified August 29, 2011 Loan Transaction History.  This loan History does not show Union Banks claimed $45,171.20.  How is it legal for Union Bank to steal this money in front of a United States Bankruptcy Court?


Union Banks Senior Vice president Doug Lutz commits perjury and fraud in his declaration P. 11 in his claim that principal and interest was paid on the $22,274.46 as this was not the case until Union Bank changed the Certified Loan transaction history on December 26, 2011!  He admits to the claimed $45,171.20 of Principal and interest being added into and amortized into the total balance of the loan.  How is it legal for Union Bank to amortize unpaid Principal into a monthly payment?  On P. 13 Doug Lutz then claimed "The principal balance of the loan has at all material times been in excess of $400,000."  This only occurred when Union Bank changed the August 29, 2011 Loan Transaction history on December 26, 2011 as Union Bank provided evidence of this on June 27, 2013. How is it legal for Union Bank to commit this kind of fraud and Grand Theft? 


Union Banks Senior Vice President Doug Lutz without providing the Loan transaction History changes on December 26, 2011 on P. 15 argues a monthly payment owed of $4,077.32 and that "the arrearage amount set forth in the SBBT"s proof of Claim filed in the first Petition was correct.  Bookout's unsubstantiated contention that the arrearage amount is incorrect is without merit."  On p. 16 Union Bank Senior Vice President Doug Lutz after changing the August 29, 2011 loan Transaction history on December 26, 2011 states: As a result, it is unknown why Bookout tendered his October and November 2011 monthly payments in the amount of $4,121.06.  Neither SBBT nor its counsel requested this amount." 

Union Bank ignores their November 7, 2011 online Loan transaction History and their monthly payment notice on August 24, 2011 in their fraudulent clams to the Bankruptcy Court.   Is it legal for Union Bank to withhold their fraudulent Loan Transaction History changes on December 26, 2011 until June 27, 2013?  Why would Union Bank not show these changes in their January 6, 2012 (Proof of Claim)?


Union Banks Bankruptcy Attorney Karen l. Grant in her January 25, 2012 Statement of facts P. 4 claimed the $22,274.46 five payments in 2007 were for Principal and interest against Union Banks August 29, 2011 Certified SBA Form 1149.  Karen L. Grant then claims $45,171.20 would be deferred by being added to and amortized into the total balance of the loan.  How is it legal for Union Bank to amortize  unpaid principal into monthly SBA loan payments?  Union Bank again filed a fraudulent January 6, 2012 Proof of Claim.  Karen l. Grant acknowledged P. 4 the proper 6% interest rate that Union Bank improperly amortized.  Without Union Bank notifying myself or my Attorney Richard Rossi of their loan changes on December 26, 2011; Karen L. Grant on P. 6 disputed the $107,185.12 presented in my Bankruptcy plan and claimed their $127,333.39 was accurate pursuant to Union Banks Proof of Claim.  Karen Grant acknowledged Richard Rossi's objection on December 15, 2011 jut days before Union Bank would change their loan Transaction History.  How is it legal for Union Bank to commit Breach of Contract by not applying any principal paid per the five payments?


Karen l. Grant on P. 9 1/11/12 without providing the December 26, 2011 Loan Transaction History changes during bankruptcy to myself or Richard Rossi as presented by Union Bank on June 27, 2013 claimed.  "The Debtor has failed to rebut by clear and convincing evidence to the contrary the presumptions that this case has not been filed in good faith."   Karen Grant states without providing the December 26, 2011 Loan Transaction history changes as provided on June 27, 2013.  "There is no evidence provided to this court that there has been a substantial change in the financial or personal affairs of the debtor since the dismissal of his prior chapter 13 case."  Is it legal for Union Bank to make Loan transaction History changes against IRS 1098 forms during a forced Bankruptcy and not tell the residing Judge Robin L. Riblet of these changes?


Union Banks Breach of Contract, Fraud and Perjury have caused the foreclosure of the Oceano Nursery property with their loan changes during bankruptcy.  My personal residence and another commercial property in Oceano.  Union Bank appraised the Oceano Nursery property at $265,000.00 and then subtracted $26,500.00 as a standard 10% Bank foreclosure fee after their changing certified loan documents.  Union Bank then charged $39,750.00 to fix up the Oceano Nursery property once they had completed foreclosing on it.  Union Bank then subtracted $9,274.00 in property taxes the day before foreclosure.  This left $189,000.00 to be applied to the Oceano nursery SBA loan.  Union Banks Attorneys Diana Jessup Lee and Robert Forouzandeh then charged $57,676.17 in SBA loaned money from the forced foreclosure sale of the Oceano Nursery Property and inventory.  How is any of this legal in California Banking?  How is it legal for Union Bank to take $57,676.17 of SBA Loaned Money?


Union Bank hired a Bankruptcy Attorney Karen L. Grant who charged $15,922.92 for her partispitation in Union Banks fraud and perjury before the United States Bankruptcy Court.  How is this legal?


Attorney fees for having to file Bankruptcy cost $7,625.00 for Richard Rossi.  He was only allowed to charge $4,500.00.   How is this legal as asked of the United States Bankruptcy Trustee?


The Oceano Nursery inventory foreclosed on by Union Bank was valued at $307,500.00.  Union Bank never paid for this inventory, even after selling it.  How is this legal?


Union Bank has made no attempt to correct their amortizing unpaid principal into an amortized SBA loan. How is this legal?


Before the World Intellectual Property Organization Arbitration And Mediation Center is presented our rights to freedom of speech and noncommercial use of a domain and if criticism and Commentary is allowed on websites.  please review the pending case and its outcome as seen attached.

BREACH OF CONTRACT



Union Bank Breach of Contract and Fraud in changing loan documents and improperly amortizing a SBA PLP Loan

Union Banks inventory letter and withholding inventory from the United States Bankruptcy Court

Union Bank Loan Fraud and changing of Union Bank Loan Transaction Histories.

Union Bank Fraudulently changing Loan Transaction Histories in front of the United States Bankruptcy Court 

union bank perjury

Oceano inventory

Union Bank Fraud