First Bank Of San Luis Obispo

★★★☆☆

About First Bank Of San Luis Obispo

Hours
Mon. - Fri. 9am - 5pm;Sat. - Sun. CLOSED

Finance

Finance
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First Bank of San Luis Obispo, closed down Oceano nursery in 2007 and now is attempting to forclose on my Pismo Beach businesses!

These are some of the questions asked, as seen at www.pacificcapitalbankquestions.com

From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Friday, December 17, 2010 11:46 AM
To: ombudsman@fdic.gov
Cc: SBA National Ombudsman; legal@fdic.gov; Lcannon@dfi.ca.gov; Coakley, Linda M. (PCR); dporter@dfi.ca.gov; Mckeehan, Christopher S.; Garcia, Ruben R.; Hedgespeth, Grady; Vigil, Anthony J.; Ashker, Terrill K.
Subject: RE: Pacific Capital Bank breaking signed contracts and not properly applying principal in a SBA Loan

December 17, 2010

FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, MO 64108
877-275-3342
703-812-1020 (Fax number)

Re: Pacific Capital Banks Retaliatory actions after asking questions about my SBA Loan # 664-196-4009 Pacific Capital Banks errors of payments and Principal Payments since 2007, per the Pacific Capital Bank-July 2, 2007-Forbearance And Workout Agreement signed by Sandra Sheffield July 2, 2007! Pacific Capital Banks Intimidation by George C. Lazar to present!

Dear FDIC Consumer Response Center, OCC, SBA, DFI

It is impossible to communicate with Pacific Capital Banks Attorney George C. Lazar and receive the answers to questions asked of Pacific Capital Bank. Mr. Lazar of Pacific Capital Bank has not been very cooperative as seen in the documents attached above and his three retaliatory letters received December 16, 2010. Please view Mr. Lazars December 15, 2010 Email below! I am now asking the U. S. Small Business Administration??SBA, OCC, DFI and the FDIC to answer the following questions! Please review all documents at www.pacificcapitalbankquestions.com under SBA Questions and at www.fdicquestions.com

In Pacific Capital Banks December 15, 2010 letters (PCB) is now calling my SBA Loan and adding $96,228.27 to the (PCB)??communication by Sandra Sheffield December 3, 2007 payoff amount of $422,000.00. This action now brings my SBA Loan payoff to $518,228.27!

1) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain why my extra Principal Payments of $78.94 are not applied to reduce this SBA Loan? Please review (PCB) Forbearance agreement and (PCB) accounting to the U.S. Small Business Administration!

2) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain why the (PCB) July 6, 2007 payment of principal and interest of $22,274.46 does not reduce the SBA Principal Balance per the signed (PCB) SBA 2007 Forbearance agreement? The Comptroller of the Currency on July 16, 2008 stated case # 770567 that this money was for Principal and interest from May 2006-August 2006! The Forbearance And Workout agreement signed by Pacific Capital Bank P. 3 (# 2 i) explains how PCB was to apply principal for May 2006-through September 2006 per the signed Forbearance agreement?

3) Pacific Capital Bank in this July 2, 2007 agreement acknowledged the Oceano Nursery flooding problems P. 1 E causing PCB---SBA loan problems. In the original SBA loan contract is a provision that I was required to fight Inverse Condemnation as is noted! Pacific Capital Bank on P. 6 ( # 5.) States: ??Acknowledgement of Grant of Security Interest in Litigation.? Can the FDIC Consumer Response Center, OCC, SBA, DFI explain why with this knowledge of (PCB)Oceano Nursery flooding problems that the SBA and PCB would not grant the May 15, 2007 Workout Agreement as first presented by Pacific Capital Bank?

4) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain why there is no principal reduction as seen in the Pacific Capital Bank September 13, 2010 U.S. Small Business Administration Lenders Transcript of Account?

5) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain why the July 12, 2007 PCB extra principal payment of $878.94 does not reduce this SBA Loan Principal Balance from $420,024.30?

6) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain why the July 17, 2007 PCB extra principal payment of $878.94 does not reduce this SBA Loan Principal Balance from $420,024.30?

7) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain the July 20, 2007 extra principal payment of $478.94 does not reduce this SBA Loan Principal Balance?

8) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain the December 31, 2007 IRS 1098 form showing no extra principal paid, that was reported to the IRS?

9) FDIC Consumer Response Center, OCC, SBA, DFI why does Pacific Capital Bank report to the IRS an ??Accrued Int Cr Adj? for interest of $635.79 and then not account for this in the Pacific Capital Bank September 13, 2010 SBA ??Loan Transaction History??

1
★☆☆☆☆

First Bank of San Luis Obispo, closed down Oceano nursery in 2007 and now is attempting to forclose on my Pismo Beach businesses!

These are some of the questions asked, as seen at www.pacificcapitalbankquestions.com

From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Friday, December 17, 2010 11:46 AM
To: ombudsman@fdic.gov
Cc: SBA National Ombudsman; legal@fdic.gov; Lcannon@dfi.ca.gov; Coakley, Linda M. (PCR); dporter@dfi.ca.gov; Mckeehan, Christopher S.; Garcia, Ruben R.; Hedgespeth, Grady; Vigil, Anthony J.; Ashker, Terrill K.
Subject: RE: Pacific Capital Bank breaking signed contracts and not properly applying principal in a SBA Loan

December 17, 2010

FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, MO 64108
877-275-3342
703-812-1020 (Fax number)

Re: Pacific Capital Banks Retaliatory actions after asking questions about my SBA Loan # 664-196-4009 Pacific Capital Banks errors of payments and Principal Payments since 2007, per the Pacific Capital Bank-July 2, 2007-Forbearance And Workout Agreement signed by Sandra Sheffield July 2, 2007! Pacific Capital Banks Intimidation by George C. Lazar to present!

Dear FDIC Consumer Response Center, OCC, SBA, DFI

It is impossible to communicate with Pacific Capital Banks Attorney George C. Lazar and receive the answers to questions asked of Pacific Capital Bank. Mr. Lazar of Pacific Capital Bank has not been very cooperative as seen in the documents attached above and his three retaliatory letters received December 16, 2010. Please view Mr. Lazars December 15, 2010 Email below! I am now asking the U. S. Small Business Administration??SBA, OCC, DFI and the FDIC to answer the following questions! Please review all documents at www.pacificcapitalbankquestions.com under SBA Questions and at www.fdicquestions.com

In Pacific Capital Banks December 15, 2010 letters (PCB) is now calling my SBA Loan and adding $96,228.27 to the (PCB)??communication by Sandra Sheffield December 3, 2007 payoff amount of $422,000.00. This action now brings my SBA Loan payoff to $518,228.27!

1) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain why my extra Principal Payments of $78.94 are not applied to reduce this SBA Loan? Please review (PCB) Forbearance agreement and (PCB) accounting to the U.S. Small Business Administration!

2) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain why the (PCB) July 6, 2007 payment of principal and interest of $22,274.46 does not reduce the SBA Principal Balance per the signed (PCB) SBA 2007 Forbearance agreement? The Comptroller of the Currency on July 16, 2008 stated case # 770567 that this money was for Principal and interest from May 2006-August 2006! The Forbearance And Workout agreement signed by Pacific Capital Bank P. 3 (# 2 i) explains how PCB was to apply principal for May 2006-through September 2006 per the signed Forbearance agreement?

3) Pacific Capital Bank in this July 2, 2007 agreement acknowledged the Oceano Nursery flooding problems P. 1 E causing PCB---SBA loan problems. In the original SBA loan contract is a provision that I was required to fight Inverse Condemnation as is noted! Pacific Capital Bank on P. 6 ( # 5.) States: ??Acknowledgement of Grant of Security Interest in Litigation.? Can the FDIC Consumer Response Center, OCC, SBA, DFI explain why with this knowledge of (PCB)Oceano Nursery flooding problems that the SBA and PCB would not grant the May 15, 2007 Workout Agreement as first presented by Pacific Capital Bank?

4) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain why there is no principal reduction as seen in the Pacific Capital Bank September 13, 2010 U.S. Small Business Administration Lenders Transcript of Account?

5) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain why the July 12, 2007 PCB extra principal payment of $878.94 does not reduce this SBA Loan Principal Balance from $420,024.30?

6) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain why the July 17, 2007 PCB extra principal payment of $878.94 does not reduce this SBA Loan Principal Balance from $420,024.30?

7) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain the July 20, 2007 extra principal payment of $478.94 does not reduce this SBA Loan Principal Balance?

8) Can the FDIC Consumer Response Center, OCC, SBA, DFI explain the December 31, 2007 IRS 1098 form showing no extra principal paid, that was reported to the IRS?

9) FDIC Consumer Response Center, OCC, SBA, DFI why does Pacific Capital Bank report to the IRS an ??Accrued Int Cr Adj? for interest of $635.79 and then not account for this in the Pacific Capital Bank September 13, 2010 SBA ??Loan Transaction History??

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First Bank of San Luis Obispo has been great for my grandparents. They wanted to set up a trust and there aren't many local banks that offer this service. They have been extremely helpful and knowledgeable and since I am helping my grandparents with their finances, it is reassuring to know that these people are both friendly and honest. I can rest assured that they are going to be doing what is in the best interest of my grandparents, and that means a lot to me.

4
★★★★☆

First Bank of San Luis Obispo has been great for my grandparents. They wanted to set up a trust and there aren't many local banks that offer this service. They have been extremely helpful and knowledgeable and since I am helping my grandparents with their finances, it is reassuring to know that these people are both friendly and honest. I can rest assured that they are going to be doing what is in the best interest of my grandparents, and that means a lot to me.

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