07-07-06 Samaan V Zernik (SC087400) Countrywide: Ex Parte Application For A Protection/Gag Order S
Content
12 7 229) ( C \ State Barr ;: \\ 0 . 12 229) State Ba Todd Bar .\ . Boock Boock (c.\ State State B ar \ ; 0 . 181933) T o d d .\. 181933) 522() :\C-11 522 ) J La s Yirgenes Y iirr g e en n es e s Road, Ro oa a d, d, ~ l S : : .\C-l1 Calabasas, California Calabas Cala bas a ass , Cali Californi fornia a () ) 1.)1)2
Sanford Sanf or d
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Digitally signed by Joseph Zernik DN: cn=Joseph Zernik, email=jz12345 @earthlink.net, c=US Date: 2009.04.11 00:04:08 -07'00'
Telephone: 1-CJil()2 T elephone: (818) 818) 88-1-CJil )2 I'acsimik: - - l - ( ) m I 'acsimik: (HI8) H 18) 8 ~ 1 l-·t()m LL P \ 1 : LLP B I \ Y . \ ' \ C.\\ \'1': W81()(l) John No.. W8 C \\ State Jo h n \\" \\ . ..\mbcrg \ m b c r g (( C State Bar Ba r No M» Keith C \ State No, Keith D. Klein I,-lein (c.\ Ba r N State Bar o, 184X-1-6) 2..j.(J! No. JI cnna ( C. \ State Ba r N )9) cnna ~ l o l d a \ \ k y (c State Bar o. 2 o. 4( 4( d ()9) 121) BroaLh-a\, Suite .")()(/ BruaLh-a\, Suite . )1)11 Santa California 91)..j.()1-2.)8() Santa :-doniel, :-doniel, California 9 W 1-2.)8 ) Telepholle: ::i7()-2 (3W) 311 3 11)) )) ::i7 )-2J J()() )) Telephollc: I'acsimile: ::i ::i-- )-22 )-22IH IH ) i'acsimile: () W llJ)) ::i""()-2211() Attorneys for Countr)"\\ide Countr) \\idc I lome Loans. Inc.
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SUPI,:RJ( HZ COURT OF THL S T \ T E OJ<" C.\J ,1H
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Case No.: SC!l87..j.(}(1 )) C a ass e N o o.. : SO)8741HI )
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\. C o on n no no r )) Hon on.. J aCll ucline ."\. Connor I aCll ) ) h lc Date: .\ J::i l::i hlc Date: October October 2 2.\ ) Trial Trial Date: September Septemb er J( r
PlaIntiffs, Plaintiffs,
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JOSEPH /ER aL RN NII K , et a\., JOSEPH
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\: ) E X V jJ/1RTl: ~ R n . \ PP PL UIC I 10 C\\' T ION
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RD U [[JRcrn JR JR cr cr rrJ J ,: ,,:C:TIV : C TI TI YI YI I,: ,: ,: O OR UC C \IEi\IOR.\:-.JDL'i\I t , 1I' OI0 )I0JTS \N D \ I E i \ I O R . \ : J D L ~ [ o 01, J TS \. ND ))-\UT -\UTH O l U T IIF I\S; D LC L \\R.\ R . \ I'ION DL CL HOIUT l' ON :)], ':)1' OOU,; D ) TODD ,\. ,\ . B CL L\\C C\\1l lIU BOOer,; DI , : C CN N 01 01;; ) J.fENN.' E N N . \ :'\IOLD -\ \\'S[,\ :,\[OLD\ \\,S[,Y;; [PRU1 l P R U 1 O b S j j ~~ D l1 ) ORDL R THI'JZEON (JRDLR THl'JZEON
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)) Date: Date:
Defendants.
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Time: Time:
9: III a.m. 9:(I() a.m.
Dept: Dept:
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1 . . _ X P P ·lRTE 1RTE .-\PPL .-\PPLlC\TIO lC\TION N FOR A O TE TE C T I\ I\ ' E O RDE ER R PROTECTI\'E .-\PPLlC\TION A PR ORDER
TA TABL BLE E OF CONTENTS TABLE 2
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Pa g Pag
I.
IINTRODLI('TIO NTRODLI TIOIl\J \J INTRODLI('TIOl\J
II.
F ACTUAL B ACKGROUND FACTUAL BACKGROUND
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ernik s Communications Communications w ith Represented C ountrywide E mpluyces A. Z Empl,.Y\Tes Zernik's \vithRepresented Countl)wide
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B. Zernik Zern ik' s Comm Co mmuni unica catio tions ns with with Personal Pe Pers rson onal al Associa Assoc Associat iates es o idl.? Zernik' Communications Associates tes off Country\\ Country\\-idl.? E ll1ployees Ell1ployees
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Zerni rnik k Conti Co ntinue nuess His His Hara Ha rassm ssmen entt By Attempting to File an C. Ze Zernik Continues Harassment
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Cross Cross-Com -Complain plaintt Against Against Against Countryvvide Coun Countr try\ y\ vid videe and and Its E mployees Cross-Complaint Employees
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THE CO COUR URT TH AS BR BRO OAD AU AUTH THOR ORIT ITY Y TO G RANT A PR PROT OTFC FCll IV1: IVI: COURT HAS BROAD AUTHORITY GRANT PROTECl REGU GULA LATE TE DISC DI SCOV OVER ERY Y PRAC PR ACTIC TICE E AN AND D PROCEDl R [ ......... 9 ORDER TO RE REGULATE DISCOVERY PRACTICE AND PROCElH IIRE
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CONCLlJSI )N CONCLIJSI()N
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-lRTE .-\PPLIC .-\P PLICATI ATION ON FOR EX P-lRTE :\PPUC.\TION FOR.\\ PROTECTIYE ORDER
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TABLE OF T LE O F AUTHORITIES UTHO UTHORI RITI TIES ES 2
Pag Pag
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Cases h mthill hmthill -1-() ..J. )
l uJlcr \-.
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( ; 1'T , Inc.
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11 12 3 13
Lyon/ Copley Corona ._ s
~ u p e r i o r
Court,
-tth 2cc CC :-\7 . \pp. -I-th H7 Cal. \pp Y. Y
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99
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Court u Th SuperIor o f Sant Santa T he S up e n up no o r Cuurt Sa ntaa Cru Cruz, z,
151 . \pp. 3d -;--I-H 7-1-8 19H..J. 19:-\-1-) 151 Cal. \pp H a r r
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~ Y. Y ~ u p c r i i o o r r Coun Coun,
-1-1 h M II 19< 19<).2) ) Caal.l . \\ppp p .. ..J.th 2
He.S.
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Creatl Cre Inc. Inc. \-. Crcatl\T Cotton C r e a t atl\C, i \ \C, l ~ Cotton, J.tel.,
75 Cal. Cal. \ pp p.. ..J.th 75 .\p -1-1 h ..J.H6 4:-\6 11 9<)C)) 9<) ))
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Superio Sup eriorr Court, Court, Ryan Y Y. Superior 1H6 C al. \ p pp p. 2 d H 0) 186 Cal. pp. 2d : \ 13 11 ))
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_\mcrica Llcctronic Electronic C o m p p o o n n c e n n t t ~ ~ \mcrica 12-1Cal. \ p p . ..J.th ..J. 124 \pp. -1-th 7 J2 2200-1-)
T o ~ h i b a
Inc.
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S]lperior S]lper S]l perior ior Court,
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Statutes
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~ o c >Cl:\tcs, i \ t c s
. \pp. -I-t -tth 15-1-2 (20Ul) Cal. \pp -I -th h IS-I IS -I-2 -2 2 IU1
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C ·] · I] C .oe - :.- _l ) l .111 1 P roc 1. w ow .oeIIe I \\ .. P roc. _ e .C 1 ) vv) ;
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E X PARTE PROTECTI\ CTI\ E ORDE R R _\\ PROTE ,\PPLIC\TIOl\ ,\PPLIC\ fOR E ORDER ORDER P RTE :\PPLIC\TIOt\ TIOl\ fO
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TO A LL P \RTIE \RTIES S " \NO THEIR R XfTORNEYS XfTORNE XfTORNEYS YS OF RECORD: ALL P"\RTIES ND THEI 7 at C):O P L L \ S E T \ K E 1\OTICE that o n July l u l ~ il) la.m., a,m o r as as s soot' 1\ 200 2u m PLE"\SE o r t I
1 r l 1: lr : c r a e : a ~ : t ~ e t r e r
as as
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may y b th e Los .\ngcles Superior Ccur C c u rtt \X'e:31 th e matter ma he ea a rrd d , in Department \\'E[ Lo s :\ngeles \X es t the bee heard, Department \\ E [ o f the
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Stree eet, t, Santa Santa i\lonica, i\lon i\lonica ica,, California CuuntX\I\-ice J-Lm1C District, Dist rict, located located at 1 l ai n Str Califurnia 9 Q(j1, I-+fl1, Count01\'ice District, 1725 \\lain Street,
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Countnwide ), a non-party who w h o has ha s complied with \\ i t h defendants'cpeated defendants' cpeated Luans, Loans, Inc. (("Countnwide"),
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di disc discmLTY scmL mLTY TY relluesls, relluesb, \\-ill \\ \\,i ,ill ll an and he hereby re by does apphd here docs apph'
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Defendant ("","emik") D e f en en d a an n t JJoseph o sse e p h / ''ernik er er n iik k C ' /' /' er er n ik ik ) tto o communicate communicate solely so sole lely ly with with C01Jnt1Twidc :: (Iesignated (Iesignated CountlTwidc '::
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d no other uther CountrY\\'ide (11 cu counsel un s el un el reg regard ardii n g this action, an Country\\'ide officers, regarding and officers, employees <H
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forr ce. \: pa re licce f beca usc /'ernik continues paJ1ec reli Countrywide applies fo relie us c 'ernik continues
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e.\. purli e \ /Jurii
for f o r aa pro(ectin> ( lrder dlrec dll\ dll\ Cting ting p wt eet i n ' (lrder
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aa ~ s oo c c i i ; 1 l I I e s .
haLl:';, haLl:
ll ee pp rr cc ~~ , ee nn rr ee dd
n o signs o f stopping, despite repeatnl employees and repe;ltnl r,,'cluc:,ts r (llle:-;ts 1)\h\' employees o f Countrywide an d ::;hO\\,s ::;hO\\'s no
Countn,\\,ide's counsel that he desist from /'('rnik a ~ f w m such Improper contacts, contacts. :le als ) h h:1:; C:ountrn\,ide's miL ab,) 12
personal assuciates associates an and u f Countn'\\'ide's Counttr\\'ide' S e e~ ~ contacted persunal d religious rel religi igious ous leaders leader leaderss o
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synagogues, an bu>iness ness practice s and and cump cump:l :l11 11\\ s bu>i bu>incss an d synagugues, d has spread negati\T information about ab bo o ut ut the t he he compam's practices
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an effort Countrywide. iin n a ne f f o r t to pressur pressure e Count Countrywid rywide. e. His Hi s improper conduct has ha s cont1nued cuntInued ri). ht IhroJgh Ih r o l ~ h the th e
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recent holi hollida holiday iday follo following wing ho day y --- foll fo lluw uwin ing g Countrywide's July .11 notice o f its intention intentiun to prest nt : p rii l Ihis :x/Jarli'
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application, /'ernik emailedaCountrywideofficeronJuly emailed a Countrywide officer o n July - with a CO]'" COjW o f a p'.lrporteJ p'.lrpmteJ press application,
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potentially about release containing pot potenr enriall ially y libelous libelous sstatement' t at at e me me n t' t' a bo ou u t Countrywide Cou un n tr tr y w wii d e and uIl uIl lcl lcl rs rs.. The and an d its olficers. Ih e
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alleged pr ess release sta ted, in part: " F OR R IMMEDIA I M MEDIATE E D I ATE T E R E LL E E A A S S E E alleged stated, pa part rt:: FO FOR IMM press
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S UB-PRIM B - PRIME R I ME E LEADER L E A D ER E R [[sic] ROT ECT I V E ORIDER (NYSE:CFC) ORI R (NYS (N YSE: E:CF CFC) C) SUB-P SU LEAD si sicc] SEEKS SEE SEEKS P PROTEC PRO TECTIVE TIVE
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AGAI NS T DR. DR . JOSEPH J O S EPH E P H ZERN ZER N IIK/C K //Cou C ount o u ntry n t rywi ryw ide d e 's Mozilo n AGAI AG AINS NST DR JOS ZE RNIK wide Mozi Mozilo lo aan nd Samuels Sam Samuels uels Complicit Comp Compli lici citt iin
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ra ud. d . " In the altcrnati\'e, Es t atte e Fra Real Re al Estate Esta rau alterna alternati\ ti\ e,
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shortening time to hear a motion fo forr a protecti\'(.' pro protec tecti\ ti\ ( order.
e e c u l t i in Y e ' ;; at a t echajries ha'i tics
CC O O U U N N
Countrywide requests requests that the th e Court
T r RR YY
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an all order
Th is ._\pplication is brought pursuant ro Code o f eiyi \O 1() This ( j y j J Procedure sections 1 ) sectiuns 2(j2. 2 2.-\1
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and 2(0)]j 1.()()0 1.0()() on th the exists an d 2 e grounds that good cause cause exis ex ists ts ffor order o orr tthe h he e iissuance ss ss ua ua nc nc e o f a protecti\'( prote eti\ ( order
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because 'ernik: /'ernik: 1 1) has has repeatedly repeatedly communicated with because with represented Countrywid,. C o u n t r y w i d . ~ ('mpJoyees ( mpJuyees
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litigation; about tthe 2) lit igat atio ion; n; (2) he he ssubject u ub b je je ct ct matter o f this litig
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ffor or or C Countrywide, ou un n tr tr y w wii de de , d es es p pii te te Countr:---wide Countrywide'ss repeated rep eat eat ed requests; req requ u es estt s ; and an d (3) (3) has has made despite
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unfounded, and potentially statements about Countr;"wide's u n fo fo u n nd de ed d, a n nd d poten tially libelous libelous statements Coun Countryw trywide ide's 's busmess an d b u si si n e ess s practlce) p rac ractt l ce ce;; and
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refused t o communicate :;ulell :;olell with counsel refused to counsel
2 _ P ·1RTE ~ \ P P L I C \ T I O N FOR P 1RTE .-\PPLlC\TION FOR.-\ PROTECTIYE O RD RD E ER R PROTECTIYE O
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Clcnsiw, ClcnsiYt,
procedures to Coumr;.n\\'ide's Coum umr; r;.n .n\\ \\-i -ide de s officers and e m p p l l o o y y e e c c ~ ~ d d t o personal p er er so so na na l associates o f Co
uu nn l l 1 ~ ~
the Ihe
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discoYery process. Zernik's :,ubpoen;ls :, ub poen poen;l ;lS S for p ro ro ce ce ssss . Countrywide Co ou u nt nt ry ry w wii d de e responded to a .ll four o f 7ernik s third-party :,ub
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documents, profes:,ional relationship d o cu cu m e en n t ss,, and a n d has has striYed stri striYe Yed d to maimain a pro profes: fes:,ion ,ional al workin working g relat relations ionship hip wiTh
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commu11lcations \\'ith pcrs( HO\\T\Tr, Lernik's represented p than l e r n i k \ repeated improper commu11lc commu11lcations ations \\-i \\ -ith th represented cr cr s( s( nnss o t h t r than
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extremely difficult. Thus, 'ernik ordered to C uunm to : uunmwwi de i dc' s\ counsel has made this extremely ernik should l>e ordered
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has this difficult. c< designated counsel. C< >mmunlclte lmmunlclte only \\·ith \\ \\·i ·ith th Countrywide's nated coun sel. Countrywide s desig ~ o t il c e
>> ~~ ee rr nn li kk
Ill
u f this (':\:put1 \\'as duh- prescribed tu all all part partie:; un JJuly .1, 2 2 li / yia yia ( :\:put1 ' application \\ as duh pa rtie ie:; :; un. un.J uly 1 1
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a t iion email and based the I\Icmorandum o f Points Points an d fax. T hi h i ss\\ ppl p p liiccat o n will be be b as as e ed d o n th e J\lcmorandum
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.\.. Boock and.l e1111a ;\loldawsky attached he heretel. and o d d .\ and Jenna an d the th e Declarations Dccbrations o f T here rete tel. l. the Todd
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{{ ll J ~ dd
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IProposed
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ass m further oral and/ o r docllmentar: eyidence a may a y be presented aatt tthe h e heanng
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/
1mities .\ut 1mities
>rder lodged herewith, in this and (:rher a;1d and action, such n nd d record r ec ec or or d tn this actio ac tion, n, an d s\lc s\ lch h (:rh (: rher er a;1d h erew erewii t h h,, tthe he he file a ')11 )11
Ihis IhlS
\\pplicarion. pplicarion.
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DATED: July 6.2007 DATED: By:
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Kl.F1N Kl.EIN JENNA MOLDA W SK {{ MOLDAWSK Attorn Att orneys eys ffor or Attorneys Coun Co untr tryw ywid idee Home Home Loans. Loan Loans. s. Inc Countrywide Inc. K IT ITH D
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3 _ RTE \PPLlCATTON P 1RTE \PPLlCATION FO R.\ PROTECTIYE OIU)ER OIU)ER
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MEMORA NDUM OF 2 .,
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AND AN D
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Introduction to this Country\\,icle Home Loans Inc. is no nott aa pa part\' this ltw.'uit, but C:ountry\\,icle Loans,, Inc. In c. ('( Countrywide Cou Countr ntrywi ywide de ) is part rty y to th is IlW'ui IlW 'uit, t, bu t
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and Coumnwide an and d it itss office off officers icers rs an d em empl employees, ploy oyees ees,, and and thei th their eirr personal as asso associJtes, soci ci,l ,lte tes, s, arc ar arc c the th the e ttargets argets argets ooff aa Counrnwide
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campaign o f harassment Zcrnik ernik ). Counrr:'\\'iclc harassment by Defendant Defendant Joseph Joseph /e rn ik (("/ 'ernik''). Countr:'\\'iclc
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rreguests eg eg u uee sstt s that th haa t the th hee Court issu is suee aa protec pro tecti ti\' \'ee order directing o communicare;olely issue protecti\'e directing Lernik Zernik tro communicate;olely with with
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its its des design ignated ated counsel regardi regarding ng this th this is litigatlOn, li liti tiga gatl tlOn On,, Counrnwide ull \\ an d irL designated regarding has complied complied ffull and irL good good Coumnwide has
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fa fait ith h \\'j \\ 'jth th fo four ur document subpoenas o wc wc ye ye rr,, L e err n iik k no w m Howcyer, faith \\'jth subpoenas from from Lcrnik H Lernik now maaiiuuaannss t:1at t:1at
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d he Countrywide widc emploHTs n and emploHTs oon Countrywide did no nott comply, an he continues continues ttoo harass harass Countn Countn'wiclc
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regu re gula larr basi ba sis, s, includ inc luding ing th thee II ul uly y regular basis, including
44- h o l i d a ~
nn :: ~~ , pp ee cc ll ff uu ll ll yy
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If / 'ernik ernik beliend C:ou ounr nrry ry,, ,,'i 'ide de had no nott fully beliencl that C: C:oumry,,'ide C:oumry, ,'ide fully complied complied \\\ ith ith
di: di:;(( ;(()) ,:er ,:ery y di:;co':cry
requ reques ests ts,, he he co coul uld d h iled a motion com m pel pel,, bu c \ · e r ddid i d sso. o. IInstead ns ns t e ad ad ,, //ccrrrriikk ha:; an ffiled could han' motion to co requests, compel, butt n ne\·er ha:; d phone Counr nrry ry\\ \\'i 'ide' de'ss employees employ employees ees with with threatening threat threateni ening ng emails, em emai ails ls,, le lett tter ers, s, an bombarded Cou Coumf\'\\'ide's letters, and phone cllls, calls,
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despite repeated despite rq1C rq1Cat ated ed relluests rellue relluest stss b\ Countnwide s in-house arrorney, h n 7ernik .\.. Hoock :lernik Countnwide's artorney, Todd Todd .\ Boock ttlar
IS
refrain from cont contact acting ing ClLl Cl LlI1 I1tr tryw ywid idee employees directly, directl directly, y, contacting Countrywide
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has al also so contac con tacre, re,jj perso per sonal nal as asso soci ciat ates es oC s offi.ceL / 'ernik ernik has oC Countrywide Countrywide's contacre,j p ersonal associates offi.ceL
r r e e ~ ~ a a r r d d i i n n g g the the
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lawsuit. T hu ss,, / ,e hu ,'ernik e rn rn iik k ssent e en n t a lener te n nee r concerning this th is lit litigat igation ion to e ofCoun tf\\\\ idc to on one o f Countn Thus, this litigation ,ide s's :;cnior :;cnior
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ch arit ity y organi7 org ani7atio ation n where th e Count ry wide de nffi, nf fi,:cr :cr curre currently ntly offi of fice cers rs in ca care re o f Bet Tzedek, a char officers charity organi7ation where the the Count rywi rywide nffi,:cr currently
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se1\'es ernik als also o personal pers onally ly comm communic unicated ated wit with h aa rabbi he :;atTle sen'es as President. / 'ernik also personally communicated with rabbi aatt tthe officer's :;atTle officer's
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nd d e ffa ame ed d the s business syn synago agogue gue,, in whi which ch Cou Countr ntrywi ywide de beliens in sult lted ed aand synagogue, Countrywide beliens he insu insulted defamed the comp:lm comp:lm's business
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practices. O) n n. l Iu ul:: ft ft eerr h l ~ - , a after hee
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this e. emai aile led d a CC e. - pellie Fellie application, Zernik em emailed
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containing poten potentiall tially y libelous libelous statements an d ItS officers, rs, :lccusin;; :l :lccu ccusi sin; n;;; them Countrywide and potentially statements about Countrywide and its office them
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comp mpli lici city ty in th thee ccompany's o mp mp a n ny y s ffraud rra a ud ud .. It is \vhom th e pres pr esss rcl rc lcas( cas( \Va; w a; sent. o f co complicity is unknown to \vhom the the press releast sent. t
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un t:ty ty·\ ·\vi vide's de's July r e c e i \ l ~ d Co Co unt: untry'\\ ide's July OO uu 11 11 tt ~~
\\ vv ii dd ee
.3 notice its s int intenl enll() l() \ notice ooff it its inte11lion
t
present present
office off icerr with officer wlth aa purported purported press press release release
Zernik ha exp ressed sed no to ce ceas asee hhis is ha hara rass ssin ing g beha\lor, ::Semik has hass expres npressed no intention intention to cease harassing beha\lor, despite despite repeated repeated
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requests Coun untr trYW YWId Ide' e'ss la lawy wyer er.. In s July .,vidc reque sts by Co Country wide'S lawyer wyer. In fact, fact, fact, as as Zernik Zernik's July - email email to to the the Coultr Coultr'.,\'ide
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officer demonstrates, hi Therefor efore, e, Coun Countryw trywide ide Therefore, Countrywide hiss camp;;cign camp; camp;;jg ;jgn n o f har harass assmen mentt has ha s es esca cala late ted, d, Ther harassment has escalated, escala ted,
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re resp spec ectf tful ully ly regues reg uests ts the Court to grant a protecti prot ecti\re \re order respectfully reguests protecti\re order directing directing Zernik Zernik to to cor:11TIunicate cor:1municate t
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P P iRT iRTE
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4. 4 OR. \ PROTEC1T\rE F FOR.\ PROTEC1T\rE PROTEC1 T\rE ORDLR ORDLR
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not litigat ion, and solely with Countrywide's Cou Countr ntrywid ywide e s designated counsel regarding regardin rega rding g this this litigation, li liti tiga gati tion on,, an d n o t \\,ith ,i ,i th th
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represented off officers, officer s, ddirectors irectors represemed office icers, rs, direc tors or employees.
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Factual Fac tual Backg Background round
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Zcrnik'ss Communications with R ~ : p r e s e n t e d C:ountry\\'ide C:ountrY\\'ide I.crnik
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E l l o . p lJ _ _ _ 2 2 ~ ~ ~ ~ i i : : . .
larch 2B, 2 ) )7, O n ::'larch emails ils and and \'oice--mail \' \'oi oice ce---ma mail il 7, in response to numerous ema emails
m e s
; a ; ~ e s
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\Iaricla personal h- to \Ia Carcia, Countrywide's\.; legal dcpartrnelt and directed pers persona onalhlh\Iaricl ricla a Ca Carci rcia, a, aa paralegal para pa rale lega gall iin n Countrywide legal dcpartrne t an d a
7
records, Countrywide enlailed /cl /cl'nik and custodian o f records, Countrywidel l1-house 1-house 1-house att(lrne\att(l att(lrne\rne\Todd .\. .\ . Boock elTlailed d nik an -
8
ackised him and employees represented by Zerr.ik a ck ck iiss e ed d h iim m tthat h ha a t since since Country\\-ide Country\ Country\\-id \-idee an d iits ts employ emp loyees ees aarc rc representcJ hy counsd. Zerrik
9
direc Ded., should dir direct ectt all all communication to him. Boock D ed,
replied e1' e111i1-: '11ik ref reflbe lbed d ,'[a ,' ,'[a [a email email 1 2, I·:x. _ . lle1
10
herr a:tor a:torney's 11111n.icltlo that if c.1s. Carcia supplied he a:torney's ney's email emai emaill address.hewouldforwardco11. addres address, s, he would would forwa forward rd co nnl1l1nicltlO 1S 1S
11
to he herr attorney. Boock Decl., 1.),, Ex. B. In his his emai em ail, l, /:ernik also threatened \Is \I s C;arcia (;a ro a Dec ., 1_ email,
12
"consecjuences," including her paralcgalliccnse retaill with COI1SeCjUences, para paralcga lcgallic lliccnse cnse amI amI eyen suggested sl1l re tall llll he >Iw reta
I
)wn
attorney. III l l 14
another day, \larch 2B, 20 20 J7, sc'nt Z Zernik email, That same day, 7, Boock sc'm e rn rn i k a no ott h e err el1 el1uil uil,, speci speci speci fled: fled fled:: y
15
and I\Is. Garcia, Garcia, an again cummunications to C:oU1ltr;. \\'ide o r its II rrepresent e ep p re re se se n ntt 1\1s. d Ia gain rreiterate ei ei ttee ra ra te te rhat r ha ha t any any cummunications
16
employees bee dir directed e mp llo mp oy ye ee ess sshould h ho ou ull d b direct ected ed solely so sole lely ly to me.
17
2 )U7, voicemails 1\ls. Garcia relating relating to the litigation, BI)od. DecL, 7, Zernik left sse\'Cral e n ra l voi voicem cemail ailss for I\ls I\ ls.. Garcia lit litiga igatio tion, n, B )od. D 2lJ, 211 ed,
18
15. 1 15. 5.
19
also Countrywide'ss Chairman o f the Board, and Samuels, Carcia, b but d Sandor S;m1Ucls, ut a l s o _\ngclo 1\1ozilo, I\lozilo, Countrywide the Boar Bo ard, d, an
20
Countrywide's Officer. D.. Zernik comactl,:d two Countrywide s Chief Legal Le Lega gall Offi cer. Boock O e d , 1 15, 15, 5, Ex. E x. D Lernik also also comact com actl,: l,:d d tw o
21
indiyiduals sen'ice department, Nathalie Nathalie <2uesadc indiyidu indi yiduals als in the Countrywide Countr Countrywi ywide de customer sen-ice <2ue <2uesad sadcc ar d "\\ lverta lvert erta
22
and interrogate encourage \ariou:, a,lmissllons Bayliss, a n d attempted a t te te m p ptt e d to interr int erroga ogate te them aand nd nd e nc nc ou ou ra ra ge ge tthem he em m to make \ari \ariou: ou:-; -; a,lmi a,lmissllo ssllons ns
23
C:ount0\vide's practices. practic es.. Boock D Ded., about C:ount0\vide s business practices pract ices. ed,
24
Coun10\\'ide employee:. B o o d email tto o Zernik, Z er er n nii k, k, asking asking that that he he refrain refr refrai ain n from contacting Coun10\\-ide
25
Oed,
26
sometimes
27
Boock O e d ,
28
Ded., Boock D ed,
- , Ex. C. ff - m\('\'('r, m\C\Tr, 1 -t,
H Il 11
~ t a t i n g :
J\ [nch ln c h
29, 220U7, not L.ernik sent anc anc)ther anc)the err to Boock on 1\1arch 1\larch 29, \lariela anc)th )ther err lett lette letter 7, copying n Zernik o t only \£ariela
1
7, Ex. 7, E x. E. E.
In response, H o o d sent another
forr ~ k ( this time, ti time me,, Zernik was was lea\'ing le lea\ a\'i 'ing ng daily daily \\"oicemails oice oicem mai aills fo \round this
each da\-. da\ . s e \ ~ e r a l each
1 6.
~ a r c i a
Zemik al also lengthy \'()iccmails Zernik so left left Boock lengthy \,{ \,{lic liccma cmails ils intin:1atlng inti intin: n:1a 1atl tl rig fraud,
Zernik refused to comply \\ith i t h C o u u n n t t r r ~ ~ \ \ n 1 d d e e s request to contact Boock d i r e c t l ~ .
5 P RTE AP APPLICATION E X E·1RJE APPL PLIC ICAT ATIO ION N FOR FOR FOR A
P R O T
T Il \ ~
ORDER
Prior Prior to late March o orr early early Apnl, A p nl nl , Zernik Z e rrn n i k repeatedly repeated repe atedly ly called cal called led Diane Frazier,
2.
former fonner
1 9. ,'19.
2
Countrywide Countrywide underwriter, u n derw derw rrii t er, er, about ab o ou u l the this litigation. litiga litigatio tion. n. Boock [)eel Dec th he e subject su ub b jje e ct ct matter o f this
3
Z e r ni ni k informed info orr m e d i\1s. 1\1s. Frazier background check on o n he herr.,.. and tetr lid 7,ernik F r az az i e err that th ha a t he had ha d done a background ,Id
4
kne\\' certain a bo bo u utt her h er er that made m ad ad e ber her u uncomfortable. nc co o m ffo o r tta a b le le . ld. tel I.ernik called callc 1 I\1s id s he knew certt ain cer ain things t hi hi n g gss about
5
I,'razin's l,'razier\ home so frequently th ha a t her he err husband hu uss b ba a nd nd had ha ad d to firmly demand d en u n d that freyuently that rhat l/ e r n i I\.'le,-er k 'lcn'r
6
ag agai ain. n. L Idi. contact them again.
i
to
7
thar k r that
o on n t in in u e ed d harassment h ar ar as as s m me en ntt o \ iff Countrywide Cou un n tr tr y w wii d de e emp]oy emp]o em p]oyl. yl.cs, cs, Bo(, BO( O(lc lck was In response to I.ernik's c continued emp]oyl.cs, l.cs, ckk was
8
o n .\pril .\priI2, 21)((', "\pril \prill 13, \pri 13, 2()()7, 2()()'7, and an d \pril \prilH). f or or c ce e d to t o send emails to I.ernik on forced 2, 2))07, H l.
9
b iim m to t o communicatl' c om om m u un n iic c at at (· (· solely solely with Countrywide's Co u nt nt ry w wii d e' e'ss counsel co u un n s el el regarding a]] £ ] m:llters m l t t rs rcl:lting asking him
: ~
I { 1) 7 ,
again
1 G C; and .\pril 14, 20m, this case. ca case se.. Boock D e d , " 1O, ), Lx. 1", an d H. O n .\priI14, 2 ) )7, 'ernik sp('c,ficalk this /e rn ik speCificallY
10
to to
1 II]
demandeu to meet with 1\1aric1a 1\l 1\lar aric icla la Garcia personally. Boock O e d , oemandeu
12
rr 11.
I.ernik's communications to t o Boock B oo oo c ck k and a n d other Countrnvl Je Jc emploYees , , ~ m p l o \ e c s Furthermore, Zernik's
13
\\'holly \\'h olly inappropriate inappr inappropr opri::l i::ltc tc and an d insulting. In his his June J un c 15, 2 0 m anacked havc become wholly 7 emall, //c have crrn niik k anackcd
]4 14
t h e way way Boock his religion, reli religi gion on,, claiming c llaa iim m iing ng itit ,vas was was "disgusting," d tthat \, the Bo ock ock practices p ra ract ct ices ices his disgusting, an and ha att he h e ';"
IS 15
by the lawycr's request d; n' sse, (, th:l1 th e lawyer's r e qu qu es es t that th ha a t 'ernik ar ar te te hearing h ea ea rrii n ng g ffor or or on e d;n' B,)ock Zernik continue an ex p by parte one dav that B,)()ck
]6 16
c o ul ul d attend a tttt e en n d a PassO\'Cr P a s s o n r seder with with with his his family. famih' h'.. Boock D Dec could e d.,,
17
as "disgusting" practices as disgusting as wdl. \vell. Id. Samuels' religious practices
18 I8
1 112, 2, E x . 1.. Ex.
appalled "appalled"
7crmk 7ernik l,erat,:d
Zernik's efforts to harass Countrywide ha\'C n Countrywide employees employees ha,-c not o t ceased. 0 011.l11 1 11 1 ./ ./u u ne ne 2 23, 3 3,,
19
20 )7, Zernik cmailed .-\ngelo 1\10zil 1\10 zilo, o, Chaimlan an d Chief ExecutiYC 2007, emailed A.ngelo 1\fozilo, and ExecutiYC Officer Ill lr
20
Countrywide, demanding that he personally e n su su r e that tha att Zernik recein: recc reccii ,: a decl de clar arat ati) i)l1 l1 ensure declarati)l1
21
th e production regarding the production o f documents. Boock Dec D e d.,,
22
cmailed the sam sa m e relief. re lie lief. f. emailed Sandor Samuels, Coumt)\\'ide's Countt)'wide's Chief Legal Officer, demanding the same
23
Boock D e d , ~ 13, K. Zernik again contacted 1\10zi10 d Samu Ex . K Samuels regarding ding this Decl., 13, Ex. J\fozilo an and S a m u c els l ~ regar regarding
24
litigation on w emails to o n JJUl1e u n e 2<> 29, 2007. OnJu1y OnJuly 4, 2007, 2007, Zernik sent ne new to SamueL;, lttaching
25
purported pres presss releases rel releas eases es c o n t
2 6 26
b u s i n e s s records. In short, Z e m i k ha ot rreframed e fr fr a m me e d ffrom ro ro m conunul1icating di rcct ctl: l:: \vit \v ith h business hass n direct \vith Zemik not conununicating dirc
potential ntially ly a i r : ~ n g pote potentially
13, 13, Ex Ex.. J
O n June \ 2 21)07, )07, Zernik 1
libe libelous lous statements about tthe he he (c', llTIpal1) lmpan) :; \
27 28
6 -.ii_.
""64" - = 6 - 1 C .Jl". . 1 ' - - .7-,,,--",,--S --'-17~.'>LS
E EX X
P
RT \ P P L I C T I O N RTE ~ APPLICATION
_
FO R O T T J \ ~ ORDER O R R ~ \ P PROTECTJ\-E
represented Countrywide emp employees regarding represented empl loy yees ees reg regard ardii n g tthe h e production o f documents. 1
2
B
3
Zernik's Communications with P ~ ~ r s o o n a l ~ ~ \ \ s s o c i a a t c e s o f C o u u n n 1 t 1 p + ~ ~ , ~ D L d d , , : ~
Employees. E mp l oy ee s .
4
I:ern ik has initiated communications with with pers associates associate lUltrywide try\dde I:ernik has al also so In Init itia iate ted d communications personal onal associ ass ociate atess o f C lUI
5
employees. Zernik ha n c o ff Specifically, Zernik hass ta targ rget eted ed a ch char arit itab able le organization affi affili li.: .:tt tted ed \virh \vith ((nt' employees. Specifically, targeted charitable organization affili,lted
6
Countrywide's e employees, well rabbi aatt tthe e m p l o n ~ e ' s sHlagogue. (:ountrywide\ mp llo mp oy yee eess , aass w ell aass a rabbi h e employee's
7
I.crnik se sent and copied Rabbi Joseph Joseph Shusterman, que:;tioning questioning Samuels' Samuels' I.ernik m aan n eemail ma ma iill tto o SSamuels am am u eell s an d copied
8
t fighting estate commitment to figh fi ghti tin ng rreal eal es esta tate te fraud. fra fraud. Boock D e d ,
9
Countrywide's Sandor S 2()()7, ctter forr Coun ChiC[ Legal Sarnuels Sarnue Be Bel 2 1 / , / er ni k le left ft a le lett tter er fo for Co untr tr}' }'\v \vid ide' e'ss ChicfLe ChicfLegal gal Officer Officer Sandor a n l u e lls s a B el
1 ~ 1 1 4 , IL:x. 1
On u n c 2(). 2(l. 20(l/, 20()7, O n JlwlC
aWlind 1.C 27, (On ) n or[ awu n d iJuU1.C
10
'1'7:edek, charitable organil':ation where Samuel, serHS as President. Boock SamueL setTes Boock [Iccl., '\1 T7:e T7 :ede dek, k, aachar charitab itable le organization '\1l S.S
11
orr around June 28, 2007, personally comacted contacted a rahbi rahbi /'ernik personally .\dditionally, o n o 28, 20l) 20 l)7, 7, /crnik
12 ]:2
s ~~ ' n n a a g g o ) g g uu e ,
13 13
Ded,
14 14
offensiH remarks remarks about Countrywide's al alleged business practices that n nd d ccharged ha ha rrg g ed ed th:l made offensiw alleg leged ed bus busine iness ss practi pra ctices ces aand th :ltt the the
15 IS
engaged fraudulent behaYlor. company \\vas vas en enga gage ged d in fraudulent behanor.
16
onJune 2007. Boock O e d , Sandor Samuels o n J u n e 29, 200/.
17 17
Bernhard, R.. \\'('illiam Bernh ard, Rab Rabbi bi Joseph Shusterman, Th The Schoettler, e Honorable R '( '('i 'ill llia iam m Scho Sc hoet ettl tleI eI', ', and and
]188
Los n d JJewish ew ew i ssh h c community om mm mun nii ty ty in Lo ,\ngcles." ld ld.. tthe h e legal legal aand s .\ngeles.
1
~ , a m u d s ' >,amuds'
attempt to disc discuss present <lcti, >n. >n. Boock Rabbi Joseph Shusterman, iin n aan n attempt di scus usss tthe he he p re ess en en t ,tcti, Boock
Hi. During Zctnik During the the unsolici'ed unsolicired m meeting, Counrrywide's understanding th:lt th: It Zctnik 1o eetin eet ing, g, it it iiss Coumrywide's
Zernik again w wrote ,\ngcl,) and l i Zernik rro o tte e tto o .\ngc \lozilo an d
Ex. I\l. I\1 '117, 17, Ex.
He Rabl,ij<>nathan H e ccopied op pii e ed d R a ab b L IIJJ ''ll n na a ttll ul ul 1
This pattern pattern o f harassment harassment continued continued ev eyen after Countrywide 'l'his en aft en after er Co u un n t rry y w iid d e notified
19 19
H
o t h c er:; r ~ ;; iin oth other: n
O il i l July July > : ~ ~e e r r n n 1 k k O
20
3 o f its intention to present this xp appl plic icat atio ion n fo forr a protectiH ,lpp pp lren lr en-ex p rt rte ap appli cation protec protectiY tiYC C order. order. In ]n ,l ;l]Pp lren"
21 21
retaliation, o n th thee Ju July ly -I-th 4th holiday, Zernik Zernik sent t\\ t\VO o outrageous outrageous emails emails conr co containing nrai aini nill ll ; potentially potenti potentially ally on
22 2 2
statements in in a purported press relea:;e release to to uundisclosed llibelous i be l o u s statements n nd d is is cl cl os os eed d recipients, r ec ec iip pi een n ts ts , \with ,,'' it it h aa cc, ))py py py tto o
23
Sandor Samuels. he subject line em allss states: st stat ates es:: "PLIL-\.SE PLlPLl-LL-\S \SE E -\SK S"\]'JDiJR SamucIs. T The lin linee o f the emall emalls "\SK S_\l\JDi)R
24
S ~ \J\IUELS \ J \ I U E L S
T O STOP REAL ESTATE Flt,-\UD. Oe d , FR.,,-\. UD." Boock Boock D
118, 8, Ex. Ex Ex..
'\J ll1l1 , Inc
0 -" T he The
25
26 27
1 Zerr Zerruk uk also also impermissibly tm tmpe perm rmis issi sibl bly y seeks seek seekss c1iscO\ ery after discm-ery discO discO\'e \'ery ry is losed. IIn n his em emai aill dda a Iled cd IIune Zernik cliscm-ery is cclosed. email une -15, l5, 2007, Ze rnik ik in ind dic icat ated ed th that at di disc nh is ccase ase hhad ad been been cut cu Ho we\' \'er er,, Z ecni cnik dema de mand nded ed ttha haI 2007, Zern Zernik indicated d i scon s c onTy o n ~ Ty n ' iin his cutt ooff. offff.. Howe Howe,'er, Zernik demanded dem anded thaI 2(1) 2(1)7, 7, after the disc Coun Co untr tryw ywid idee prod pr oduc ucee docu do cume ment ntss on June 20, 2007, di scO\ O\-e -ery ry dea deadli dline. ne. Countrywide produce documents disco\ Cry deadline. continued continued
pursuit o f di disc scO\ O\'e 'ery ry aft after er the dead adli line ne is th ther ereb eby y tmprope tmp roperr and and harassing. ha hara rass ssin ing. g. discO\-ery after the de deadline thereby unproper
28 7 .
2.:(-+ .L.5 2.:(-+ C.:2. ...i.1717. cL.5
EX P P
_
P P L I C \ T I O N FO lRTE R A RT E A APPLICATION A PROTECTIVE PROTECTIYE O RD E R FOR
emails stating IMMEDIA,TE M EDIA, TE email mailss continue cont contin inue ue \\'ith \\ ith ith an apparent press pr pres esss release, rele elease, ase, stat st atin ing g in part: pa part rt:: FFOR O R IM 2
and RELEASE Countrywi de's Samuels Complicit Real Estate Estate R E L E A S E and s Mozilo nd S am am u ue e ls ls C o om mp pll iic c it it iin n Real an d Countrywide Mozilo a
3
Fraud. Fr aud.
4
Ni\'ie Mari J\Ic Countrywi Branch 21 N i \ i e Samaan S a ma maa n and an nd d Maria Maria J\IcLau J\IcLaurin, Laurin, r in , C ou oun tr tr yw yw i de de B rraa n ncc h J~ \l laanna agge er r.. IIn n 11
5
Fraud \\ ire Fraud. Samaan S a m a an also also colluded c o l lu lu d e d in in 1\lortgage J \ l or t g a g e F r a ud ud attempt aand nd in i n \\.:'ire
6
billion '\\IcLmrin apprm'ed SO.5 \IcLmrin also probablr personally person per sonall ally y apprm ed about SO 5 bill bi llio ion n per yyear ear ear 0) in
7
fraudulent f r a ud u l e nt gonrnment-backed loans.
8
im'okement Bet Tzedek, but position with n ot only i tl \ oh oh e mcnt not only \vith \ vi t h B et T ze ze d dee k k,, b u urr aalso lso his his p os os it it iio on w i tth h tthe he he heglcr
9
Rabbinical Rall Rall onluh o n ] uh enuils Tzedek J ustic:e Rall Ra bbi nic al ~St tuud di ie es s. . lQ. The T he he e n nu u il il s rrefer e f er tto o tthe he [[kt k t TzedekJustic:e
Id. asserts thatt t the fraud wass committed bb'.,. collu colluslon rd. The Th e press pr pres esss release rele releas asee falselr fals falseelr asse as sert rtss tha he frau fr aud d wa co llusl slon on o f
\\
cLlUrin and cL cLlU lUrin rin and
The:' (,[dd ,dd that Jet The:
Id. Th emails specifically specifica lly The e ema ils spec sp ecif ifica icall y mention
Issly ,ssly
ioJ2:r< r<
~~ aa rr nn uu dd ss ~ < : : l h l 0 o C o l 1 ffor )1 : ~ i \
I
2 ) )7, 1()()7,
an and d
10
the estate The emails the charity's ch chari arity ty s commitment to fighting figh fighti ting ng real real esta es tate te fraud. frau raud. lQ. Th e em ails aabo lso aadnllt dnllt IIhat hat
has Bernhard, Joseph Shu Shusterman, has approached appr approa oach ched ed Rabbi Ra Rabb bbii Jonathan Ber Bernha nhard, rd, Rabbi Rabb Rabbii Joseph Shuste sterma rman, n, and and
12
\villiam with outrageous \villiam Schoettler. Schoettle Schoettler. r. lQ. These eemails mails arc arc rife rife with wi th false false and and outr ou trag ageo eous us
13 13
orchestrated Countrywide extort o rrcc h hee sstt ra ra te te d by by Zernik Z er er ni ni k in in an an aattempt tt tt em em p ptt ttoo iintimidate nt im nt imi da da te te C o ou u nt nt ry ry w wii de de aand n nd d to exton
14
com compli com pli plianc anc ance e with wi with th his his disc()\'c disc( disc isc()\ )\'cry ery ery demands demand demandss \\ss c\ evidenced iden idence ced d by by these these reta re retaliatory tali liat ator ory y cnuils cmlils
15 15
holiday, ho holi lida day, y, Zernik Zernik has has no intention o f ceas ceasing ce asin ing g his his improper H I S Ktions actions improper harassing behanor. HIs
16
h a H only haY(' only escalated esca escala late ted d and and become beco become me more eegregious. gregio egiou u s. H His is behm be behm'ior hm ior \vi11 \vill continue
17
s t ep ep s in in to to restrain res tra in in Zernik / ernik from from further furt furthe herr hara ha rass ssin ing g Coun Co untr tryw ywid idee empl em ploy oyee eess and and rht rh t ir personal steps harassing haras sing Countrywide employees rhtlr
18 18
associates.
c. c.
19
20
I
// ~~ ee rr nn ii kk
R 'he he II mutable R,
s s t t a a t t e e m m . . ~ ~ l l l l t t ; ; , , and and
Contin tinues ues His His Harassment o F ile aan n Zernik Con Continues Harassment By i\ttempting tto File
urther ilil:;; jj urther
LJ LJ
.. \\ r r r r
were w ere ere
( IIn n r r
rhe r\l<:
ll lle, lIe,s e,ss the the Cour Cour
l ~ l l ii kk ~ ~ : : ; ; r r o o s s s s - -
Complaint Agaimt Agaimt Co Coun untl tl)) \vic \vicle le and ItIts s Emp Employ loyees ees.. Complaint Country'\vicle and Its Employees.
furth rther er harass ha hara rass ss Coun Co untr tryw ywid idee an d it itss employ emplo employees yees, In an effort to fu further Countrywide ees,, Zernik secb sec b leaw l e a Y ~ to and
21
22 22
file an an amended Cro Crossss-Com Complai plaint nt to name name Coun Co untry trywi wide de Financial Fi Fina nanc ncia iall Cor Corpor poratio ation n ((led led file fil Cross-Complaint Countrywide Corporation
23 23
Counrr:tl}- \v \\vid vide empl empl employ ploy oyee 1\laria Mc McLa Laur urin in, nd nd S a and ndor or ~ Counrr: Coun \vide em oyees eess 1\1aria J'l J'l1cL 1cLaur aurin, in,, . \ngelo \nge \n gelo lo Mozilo Moz ilo aand Sandor
24
Boock Decl., Boock
25
appare app arentl ntly y utilizing util utiliz izin ing g the threat threat o f the Cross-Complaint as )h t li lin n furt fu rthe herr e n rage t o II >buin Zernik is apparently as llen-rage further
26 26
discoHry. Zernik's Zcrnik s amended Cross-Co Cross-Complaint mplaint alle lege gess 11 fa ctua tual ba bas sis for for imposing am Cross -Comp laint al all allege eges factual basis am' disconry. no0 fac
27 27
liability Zernik has noticed heanng 011 on hi:·; moti moti')l1 011 liability o n Countrywide o r its its eemployees. mp l o y ee s . Z cr cr ni ni k h as n ot ot iicc eed d tthe he he heanng Jl1 011
28 28
9 less than 30 . \ ugust ug u g u s t 9, 3 0 days days be b e ffor o r e ttri riaal. l. 1 Id. .\ befor trial.
119. '119.
a n n 1 U e e l b s :I:IS S
,Jefe1dants. ,Jefe1dants.
dissat satist istled led \vith \vit \vith h Cou Countl} ntl} \v \vidc idc s proper discon -:' -: lesponses, tesponses, :\pparently dis dissatistled Counrr:-'\vide's
- , ( ( ) ) ~ ~ , , , - , , - - . . ~ 1 1, ,- -, ,- -7 7, ,, ,, ,, , ~ ~ , , , , - - - - - - - -
EX ~
T
8 _ .\PPLlC\ FOR R A PROT PR OTEC ECTI TIYE YE ORDER . \ P P L l C\ TION FO FOR PROTECTIYE
III.
2
The Has Court T he C he o ou u rrtt Ha s Broad
~ - \ u t h o r i t y to
Grant
Order to Protecti,'e to R R . . r r J J Protecti, e Order
uu bb JJ ~~ :: JJ 22 JJ ss cc QQ yy ee rr yy
Practice Pra Practi ctice ce and Procedure
3
c m rt. "1'\lanagement 1'\lanagement o f discon·ry llies ies with wi within thin in the th the e sound discretion discretion ooff the th the e ttrial rial rial ,:mrl.
4
Toshiba m e er r i iic Court, .\pp -1[h -1[h I l 1 i ~ \~ .. Sup Superior 124 Cal. T o sh sh i ba ba ~. \\ m me cc aa Electronic Components, Inc. Superi erior or Cour Court, t, 124 12 4C al. .\pp
5
coun's s rruling here there is a bbasis supponed b;' is supponed (2(J()4). (2(j()4). \\\\'here as is ffor o r tthe h hee ttrial rial coun ul ul iin n g aand n nd d iitt is b; le lele lenc nce, e, b;'' tbe the ee"lelence,
6
reYie\\'ing court \\' \\'iUn iUnot ot substi sub stitut tutee its its opinion ffor or or tthat ha t o ff the ttrial ha rial rial court. a reYie\"ing \\'illnot substitute court.
7
Further, Fu urr th th e err ,
8
granting or granting at dis discO\ cO\ery ery and whatC\er whatC\er order hI' ttria ia 11court o r refusing to grant an order directed directed at discO\ery order thI' trria1 court
9
m a \ ' make ma n tthe h hee aabsence b bss en en ccee o f aan n aabuse bu bu ssee o ma\' ma\\ no nott be disturbed iin off discretion. discretion.
le at 6 7 - · 7 ( ; ~ . [d. at - '67-"71')8.
all di C l U J in iin n aU disc disconry sco\ o\Tr Try y procee pro proceedings, ceedin dings, gs, a broad broad dlscretiun discretion is T 'Tsted sted iin n tthe h e trul lull (lUll in
. ~ : I J J u U - -,-Sul2crior , - S u l 2 c r i o r
10
r e attin Court, 1 ]t)() .\pp. 1 \ 1)]7 ) n C Cc t)() Cal. .\ pp. 2d t) t 1:1, t 17 (19()()); (l9()O); R.:-;. R .:-;. CreatiH, Creati\"(', Inc. Inc. YY. C Crea
II 11
~ \ pp p p . .
12 12
ren rsal only only for for arbi ar bitr trar ary, y, capri cap rici ciou ous, s, or d1im imsi sica call action act ion ); Ful Fuller ler Y. ren'rsal arbitrary, capricious, o r d1 "d1imsical action"); Y. :-;uperiorCmlU, :-; uperiorL;g IJX :,
13
14
767 767
77 ~~ )) :: 22 ,,
: t : t l o r n t , , J J ~ ~ I I . . d d ~ ~ , ,
i5 :; Cal. Cal.
4t h 4S 4S() (),, 49 49(l (l (1 CJ 9 (w (wit ith h rega re gard rd to disol\'cry, discrct crctlcm lcm subjecl o 4% courts h h aa n n broad 4th 4t)(), CJ99 (with regard dis(lwcry, courts broad dis discrctlcm subject tto
7 Cal. Cal.
\pp. 4t h 29CJ, a ttrial rial rial court s ru ruli ling ng \v,ill ill be su sust stain ained ed oon n re\-iew CJCJ ]()4 court's 4th ]04 (2()()1) (20()1) (("a ruling sustained re\-iew unL,s un)::,s ilit fall:,; falls outsidt e bounds o f reason ). outside th the reason"). Th e trial court has broad authority 10 e o The to grant protectin: protectiye orders. orders. (:ahforma (:ahforma (( od ode off
15
16 16
ho ho w wn n , tthe he he Coutt C i i l Procedure Section 203 3U l())() U p rrm m i de de s tthat ha ha t for Coult '' na:.:..,make Ci"il Sec tio n 20 2031.0( 2031 .0()() prm'ides for good cause sshown, na:.:..,make
17 17
a ny order that ju justi stice ce requires requi res to ny pa parr rr o tth h er er natural protect aany pan person o any justice requires to protect orr o other natural persun orr
18
fro m unw unwarr arrant anted ed annoyance, embarrassment, embarrassment, or from unwarranted o r oppression. oppression.
19
203 20 3 Ul60(b) (emphasis (emphasi (emp hasiss added). added) added).. § 2031.060(b)
20 20
rregulate e gu l a t e discoHry d procedures, includi luding ng spe specif cifyin ying g the ,nditl ,nd itlon onss by procedures, inc discm'ery practices an and including specifying the terms terms and and c(lnditlons by
21
which disc di scO O\Tr \Try w ill be ca carr rrie ied d ou out. t. C al. Code Ci\' \'.. Proc Pr oc.. discO\Try will carried Cal. Code Ci Ci,-. Proc.
22
g r an an t protecti\-e pro ott e c ctt ii\\ e o rd de e r s in order to control the ea ns ea ns aand n nd d manner J prcyent grant orders means ma n ncr o off disClwery anJ prcyent the m disClwery an
23
abuses o f th e di discc sccAer Aery y process. ood cause standard enab able less the the trial trial (11l 1 t to he g the disccAery process. TThe 'good standard' en enables court to
24 24
ddistinguish i s t i n g u i s h bcrween ery an d misuse o f discm'cry d to and and betwcen proper use use o f discm discovery discm-cry an to
25
appr appropr opriate iate mann manner. er. appropriate
26
748,755 (1984) (upholdin lding g protcc protcctiye tiye order which li limi mite ted d the th e discl di sclos osure ure ooff document:; 748,755 (1984) (upho (upholdi ng protcctiyC protcctiyC limited the disclosure document:; to to
27
e rt rt a in in e d tto o the counsel only e, en though th thee documents the meri me rits ts o th e daim); e,'en documents p pertained merits off the the daim); J::LJrris.L J::LJrris.L
28
Superior Court, Court, 3 C al. ~ -1PP. - \ p p . 4t h 661, 661, 668 (1 (199 992) 2):: Fonthi Fon thill ll Properties Superior 4th Properties Cal. (1992): Fonthill
Cal. Ciy. y. IJ IJr, r,x. x. Code Ci eiy. Cal. Code Pruc.
rrd d er er , ccourts o ur ur t s han 1h e l' l'II II)\\ )\\Tr Tr tto o Through a protecti c o protecti,-e ,-e order han: 1he the pU\\Tr
§ 22m l.( l60(b) (b)... Cour Co urt t:· :·;·;; routi'1cly out outi'1 i'1cly cly m l.(l60 l.060(b) l.06 0(b). Cou Court: rt:·;
t t r r c c a a r t : : ~ ~ a a c c b b J11 J11
the the
(;1'. Inc. . . T he Superior Court o f Santa The Santa Cruz, Cruz, 151 151 Cal. Cal. .\pp. .\1"p. 3d 3d
9
(,·Bl7\.S (,·Bl7\.S
EX
)) rr .. :: ,, ~~ ;; ll 11 ll ll zz aa tt ii oo n n
P P
RT RTE
Y. Y. L L Y Y 0 0 l l } } L L J J . ; ; ~ ~ 2 ~ } l I k k + + - - C C (( )) r r o o n n a a
__ R A PROTFC APPLICATION FO PRO TFCTT\ TT\'E 'E OlU)ER FOR PROTPCTI\'E OlU)ER APPLICATION
\ssociates, \ssociates, 4-6 4-6 C Cal. \pp. 4th 1542, al. \pp. \p p. 4t 15 42,, 1558 1558 1558 (2001). (2 (200 001) 1).. h 1542 2
Here, cause forr th the order. H e r e , good caus causee eexists xist ists fo e Court tto o grant g ra ra n ntt a protectiye p ro ro te te cctt iiy ye o rde r. r. Throughout the th e
3
disconry process, Zernik Zernik directly dire direct ctly ly contacted, contac contacted, ted, harassed harass harassed ed and and hassled hassle hassled d Coumry\vide Coumry Coumry\vi \vide de emplo:,'ees em empl plo: o:,, ee eess
4
represented Countrywide's re pres esen ente ted d by by Co Coun untr tryw ywid idee s counsel. coun counse sel. l. whom he knew to be repr
5 6
ernik tthat Countrywide's C o un un tr tr y wi wi d dee s in-house i nn- h o u ssee counsel, ccouns ouns el, el , Todd ,\.. Boock, ck, repeatedly repeated repeatedly ly infol1Ded in info fol1 l1De Ded d //'ernik ha ha t he he c\. Boo rrepresented e p r e s e n t e d all Co Countrywide Coun untr tryw ywid idee employees empl employ oyee eess with with respect resp respec ectt to the the present action. Bo, BO I H )C:} } Ded., '1'1
7
2, 2, 4, 4,
8
designated m that that butt Zernik refused. Id.L:ernik Id.Lernik has sshown d e s i g n a t e d counsel, c o u ns el , bu ho ho w wn n no n o iinclicati( nclicati( m th at he
9
an Countrywide Countryw em fut ure. as July rrefrain ef rai n from fr o om m ccontacti on on ta ta ct ct in ing n g any any C o u n t r y w iide d e eemplo mploYee pl oYee ye e iin n the t h e ffuture. u tu re. IIn n ffac aact, ctt,, as 1r<.celltly < cendy m,
7,
10. 10.
nrr
1 <)1' <)1
man\
m o n t
~
and again, Boock aske asked / er ni k to communicate communicate solehmoer t l o \ L ~ h an d m er ag agai ain, n, Boock as ked d /ernik so1ch tlough \> 111 111 \>
10
4,, h he emailed Countrywide's 4 e emai em aile led d Coun Co untr tryw ywid idee s Chief JJ~
11 11
press onn ]June he J\lozilo, Chairman Chairman aand Chicf pr press ess release, re rele leas ase, e, and o u ne 29, 29, h e eemailed mailed .\ngelo J\lozilo, n nd d C h ie ie r Ex I,: ecuti\e
12 2
Countrywide, regarding present action, ( )fficer o f Co Coun untr tryw ywid ide, e, and and Samuels Samu amuels els rega re gard rdin ing g the the pres pr esen entt acti ac tion on,, and and copied copi copied ed Ra bbi
13
\\' am Sc Schoet hoet rler, rl er, ,,w wd Jonathan Bernhard, l1er, Bernhard Bern hard,, Rabbi Rabbi Joseph Shusterman, The Honorable R. \\'i11i \\ i11iam i1 i11l 1lam ,wd d Th e Honorable
14 4
others in le gal 'lngeles. 'lngeles. in tthe he lega leg al and an nd d Jewish J ew ew iiss h ccommunit o om m mu mu n nii ty ty iin n Los \ngeles. others
15 5
e g a l
Officer Sandor Sandor Samuels Officer Samuel Sam uelsswith wi with thhis hispotl. potl. ntil1ly nti til1 l1lly libelous hbelou hbelouss
Boo ck D e d , Boock
111 '11 1 ..
Not N ot o only has Zernik Countrywide n nll y h as Z er er ni ni k communicated communicated directly dire direct ctly ly with Countryw Coun trywide ide employees, employ employee ees, s, over
16 6
Countrywide's his behayior contacts itll pe butt h p e r Countryw Coun trywide ide s objections, objecti objections ons,, bu is behayi beh ayior or has has escalated esca escala late ted d to initiating init initia iati ting ng contaets
17
Countrywide employee having g no thing to do with this thee associates o f Cou Country ntrywide wide employees employ employees eess havin ha ving this ];1\vsuit; l;1\vsuit; sucb sucb as th nothing
18 8
charity Tzedek, Samuels' Rabbi and ch char arit ity y Bet Bet Tzedek Tze dek,, where where Samuels Sa Samu muel elss is President, an d a rabbi rabbi at at Sa Samu muel elss synagogue, syna synago gogu gue, e, Ra Rabb bbii
19 19
115,, 16 16. 16. Du Duri unsolicited ng with '1'115, Shustennan, Boock D e d , '1'115 Duri ring ng the the unso un soli lici cite ted d meeti me meeti eting with the the t ahbi,
20 20
Countrywide Zernik offensive insulting remarks Llntrywide's C o u nt nt rry ywi d dee beliC\Ts beliC\Ts tthat ha t Z ha er er r u k made of offe fens nsiv ivee and insu in sult ltin ing g rem remark arkss about Co Llntrywi Llnt rywide de s
21 2
business practices. practice s.. Boock Boo ck D e d , '116. busin ess practi pra ctices ces. 16.
~ ~ ; o o nn a l
22 2 2
Countrywide g i n n Zernik notice o f iits JJ\loremoer, \ l or em e r, o nn ]July uly 4, 4, after afte afterr Coun Co untr tryw ywid idee had had given ts Intent Intent t(l t( I
23
this ent outrag eous emai lss containin co ntainin g potent ally present thi th is eex x parte part partee application, appl applic icat atio ion, n, he he sse sent nt two two outrageous outr outrag ageo us emails em emaail ils cont ntai aini ning ng pote potent nt iial ally ly
24 2 4
statemen recipien copies Samuels. Samue llibelous i be bel ou ous sstatements ta ta te te m mee n ntts t s to t o undisclos un d dii sc sc lo lo sseed e d recipients, recipients, ts, with wn h copi co pies es tto o Sandor S amuells. s. ['he l he subje s ub ub je je ct ct
25 25
line stated: PLL·\SE .\SK S/lNDOR line o f the the emai1s emai emails ls stat st ated ed:: PLL-\SE S_ \NDOR
26
FR,'lUD. FR.\UD.
27
Countrywide's I M M E D I A T E RELEASE with OR R IMMEDIATE release: FFO with the the subh su subheading bhea eadi ding ng Countrywide s :l\lozilo Mozilo
28
Samuels Complicit Es t at e Fr aud. and in Real Samu muel elss Comp Co mpli lici citt in Real Estate Fraud. an d Sa
S A ~ If U l -
:
I
RL':,'lL ,S T O STOP Rj : \L ESTXfE
Ex. emails continue continue iin The pr':::;js Boock D e d , '118, ~ 1 1 8 Ex. N a n d O. Th e emails n tthe he fform o r m o f a pr.:::;;s
1 10 I
'-..(,..\ (,..\ ,--.,1 11 --7. 7, -,5'---- 15 -----
EX P
RTE RT
ld. Th emails falsely The e emails fals falsel ely y assen that tthe he _
APPLICATIOl'( FO APPLICATIOl PROTECTIYE PROTECTI PROTECT TECTIYE IYE YE ORD ORDER ER FOR R A PRO
I 1
ffraud r aud w a s committed by collus col lusion ion o f N id e Samaan an d i\Ia i\ Iari riaa II\lcJ \IccJJ ,aurin, ,aur C:ount untf) f) \\ide was collusion and i\laria I\l ,aur in, C:o C:ountr C:ountrY\\1de Y\\1de
2
Branch ;\lanager. U 1 McLaurin d Samaan al also so colluded collu ded iinn ii\longage \l \l o on ng ga ag ge e F rra au ud d a tttt e em m pt pt Fraud I\Ianager. In 220U I\lcLaurin an and colluded attempt
3
an d in \ { iire re Fraud. e em emai ails ls state state tha thatt "McLaurin McLa McLauri urin n also probabh and aiL· apprond Fraud." Id. Th The emails probabh' person alL· appro\ Cd
4
about S ).5 billion pe gros ossl sly y fraudu fra udulen lentt gon:rnment-backed loans. W loans." JW SO.S perr year (I)I) in gr grossly fraudulent
5 6
emails ema ils also also admit that 7ernik
7
contain numerous false an d outrageous statements. Th e em emai ails ls are are pa part rt o f Zercih and The emails pan Zerrih s s irnproper
8
campaign to attempt tt o intimidate Countn\\·ide. nd tto o and Countnwide. a t
9
Jisc JiscO\ O\ ery ery ery recluests rel rellues luests ts \ s e\· e\·ide idence y hi his s J.Jul uly discm ide nced nce d b by his.J his. uly
approached Rabbi Jonathan Bernhard, 1\.1 Rl b h
Shus Shuster terman, man, and Th illi liam am Sc Schoettl er about this this case. ca case se.. e Honorable Shusterman, The Honorable R. \ { il ill illiam iam hoet tler
1
b u l l ~
Th e The
1
o,epl' Jo,cpl-
IICS T These
emails
it into complying wil h h is his
cmails, 7ernik has n o iintenlion n te te n llii o n (If (If cea ceasin sing g this this no
10
beha\·ior. resp spec ectf tful ully ly ap appl plie ied d to the Court ffor o r a protecti\ protecti\T beha\·io1 . Thus, Countrywide re respectfully applied ( order
11
Jirecting communicate so sole lely ly with Countr ywide ss designated designat designated edCUl CUl nsc nse directing 7ernik to solely with Countrywide Countrywide t
12
present action.
13
1\ 1\'..
r c : ~ a r d i n g
the
(Conclusion :onclusion F o r tthe h hee rreasons eeaa so so n nss sset et forth her herein ein,, Countryv\ride Count Country ry\\r \\ride ide re respe spect ctful fully ly requ requests ests thal that tl1l Court For herein, respectfully requests
14 15
exe exerc rcise ise its its inherent auth au thor orit ity y to regulate re regu gula late te the the conduct o f the the case, cas ase, e, an d to is:me is:,uel.1 p I(lteeti\ and exercise authority oteeti\ e
16
communicate only \\11th s designated coumel order directing Zernik 'ernik to \\;1th Countrywide Countrywide's t
17
regarding th i th th represented rep prr es es en en te te d p e err s o on n s wh thee present acoon, n nd d n ot ot w o arc action, aand not with persons who
18
an d employees o f th thee company, Of, n tthe h e aalternatiye, l t e r n a o y ee,, to to issue issue aan n order shortening tim: to and O f , iin
19
h e ar ar C ou ou nt nt ry ry w wi id de es m o ttii o n fo forr a proteco\ e order. protecti\'e hear Coul1try \vide motion
20 21
DATED: July 6,2007 By:
22
J
v
NW W.~
-
u f f 1 c e rf ~ ;
~
direcofs,
~ : ? ; : 7
v
AM M B B E E ~ ~ ~ ~ } } : : ~ ~ = = = = - - : : : -
-
KEITH D. D. KLEn\1 KLEIN JENNA MOLDAWSK 1 1 Attorn Att orneys eys for for Attorneys Countl) \vide Home Lo Loan ans. s. Inc. Inc. Loans.
24 25
26 27
28 .. __ .
11
~ ).t,,-,-). ...C17-,,-,),,--S
X P RTE RT APPLIC\TION APPLICATION
FO R FOR
PRO PROTEC TECTI\ TI\-E -E OIU)ER OIU)ER PROTECTI\'E
_
DECL\RXnON DECJ h \ X n ~ OF TODD
2
L\ \ B O O C K
Boock, declare: I, Todd <\. Boock.
.
I aam Courts 'll-Ihe ouh,licenscd tto 1 o practice p rraa cctt iicc e law law before the CourtslC Ihe m an a n attorney ouh-licenscd
1
j
~ t a t e of
4
California C:ountr C:ountry\\'id y\\'ide e Home Loa CClllntrY\\H:Je") C a l i f o r ni a . I am counsel for C:o C:oun untr try\ y\\-i \-ide de Loans, ns, Inc. Inc. CCcl CC cllllntrY ntrY\\\H \H::Je ) I han:
5
personal knmdedge (o)f tthe nd nd c could ou ou ld ld competl.'ntLh hee facts facts sset et fforth or or th th iin n tthis hi s ddeclaration eecc llaa ra ra ti ti on on aand competl.'ntL'
6
f()llm\'i faets, tthe he he ff()llm\'ing ()IlO\\-ing ng facts_
7
t e ~ t l f y
to
respotl:ie to numerous cmails emails an and d yoicelrui yoicenui I me ,:;ages O n ;\larch 2H, 2 ) d ' , in reSpOl1:ie
8
;\lariela Garcia, Countrywide's Custodian Rccords, 1 directed at ;\ ;\la larie riela la Car Carcia cia,, Cou Country ntrywid wide e s Cust Custodia odian n o f Records, I emailed>..:ernik;.no em email ailed ed > :ernik ;-no
9
aehised him since' Countrywide is represented b by hi m that sincl' y ccounsel, ou ou ns ns el el , he he should d:rect : alhised
10
me and c()rrect email hcrct(, Fxhibit.\ ccommunication ( ) m m un uni c a ttii o n tto o m e . . \ ttrue r u e an d c()r c( )rre reet et copy o f this this emai em aill is attached herc he rct( t( , :lS Fxhibit .\
11 11
incorporated herein reference. an and d inc( in c()r )rpo pora ratc tcd d here he rein in by by refe re fere renc nce. e.
3.
12
same Zernik replied email i\ls. Garcia supp supplil.:d sanw nw day, day, I:er I: erni nik k repl re plie ied d ':ia ': ':iia emai em aill that iiff i\ls su ppJi Jil. l.:d :d her That sa
13
attorney's email address, communica tion to he attortley. attorney s e mail ad addr dres ess, s, he would forward communication herr at atto tort rtle ley. y. 1n In hi: hi: ,,:mad, :maid,
14
I.ernik ;\ls. Carcia with "consequences," paralegal license and herr par paral alega egall licens lic ensee an d j,ernik also threatened ;\1s. consequences, including he
15
suggested retain own attorne\'. sugg su gges este ted d sh shee reta re tain in he herr ow n attormT
16
herein reference. hereto as J'':xhibit :xhibit B an and d incorporated h erel relt1 by referenc refe rence. e.
\
atll a,c and elnail true an d correct copy o f this this el elna nail il ii:; at atl a,chcd hcd
day, specifically stating I1 repre::ent reprc::ent ] ,,atel' at at e r tthat h haa t d a\' , I eemailed ma ma iill ccd d /I.ernik, crnik, spe specif cifica icall lly y stating
-l,
17
<
Cn c ia ,
18 18
and again reiterate employee:; an d I agai ag ain n rei reite terat ratee that any communications to Count.rywide o r its its employe empl oyee:; e:; sshould be bo bo ul ul d b e
19
me." <\ tj tme correct copy hcret ) as Exhibit C directed solely to me. ue aand n nd d c o orr rre e ct ct c o op p y o f tthis his his email emai emaill is is attached heret()
20
and reference. an d incorporated herein by refer ref eren ence. ce.
]\1arch 29, 2 )1)7, se\'eral yoicemails Garcia ,: rl:]atiog O n ]\larch 1 7, /Zernik ernik le left ft se seye yera rall yoice yo icemai mails ls for for ;\1s. Carcia ,:lat lating ing to to
5.
21 21
22
:1 0 \ngelo th the e litigation. He also sent a Ie me, e, copying e, co copy pyin ing gn o t only ;\1ariela l\ l\1ar 1arie iela la Garcia bu bu" :lLo not ~ a r c i a . Ie tier to m
23 2 3
Countrywide'ss Chainml11 o f tthe Board, Samuel:;, C':; Chief l~ \1 lo oz zi il lo o , Countrywide he B oa oa rd rd , aand nd nd Sandur Sandor Samuel Samuels, s, CountrYlvlc (:ountrY\\'llk's (:ountrY\\'llk's
24 2 4
Legal Officer. L ega l O fficer.
25
by reference. y refer re feren ence. ce. incorporated herein b
<
and tbi:; letter Exhibit <\ U U ue ue an d correct copy o f this th is le lett tter er is attached heret, J aass E xhihir D ;lnd ;l n d
1 belie,-e indiyclu,ds I am iinformed and belie ie,-e ,-e that Zernik also contacted two two indi in diyc yclu lu.d .dss in nf nf o rm rm e d a n d bel
26 27 2 7
Countl)'\\'ide's sen'icc department, Quesade an and B:lIli;s, an and C o u n t l ) - \\ \\ ' i d e 's 's customer sen icc depa icc departme rtment, nt, 1\ athalie Quesadc d <\ h-erta Balli;s, d
28
and admi:;siow; al)ou attempted to interrogate them an d encourage them to mak makee ,-ar ,,':ulom ario ious us admi ad miss ssio iow; w; al al)o )ou ut attempted :::,\ ,\1'11DOi.'(,4YI411 11)0(. ·, ,4)1141 1 (,43')41, ,-,,1
_
1], 1],
E X P lRT RT E APPLIC\.TION f O OR R <..<\. PROTECTI\T ORDER
o u n t ~
w i d ce
2
s
business
p r a c : t i c e ~ , .
1 10 That sam sa m e date da te,, 1\1:arch 229, 9, 22007, 1] sent e r n i k . a sasbng ~ . illg ·hat same date, sent another email t too Z Zernik, ,hat he
3
contac tactin ting g Countrywide empluyees, ru ru e aand nd nd correct cop tli :, crna cr nail il is refrain refrain from con contacting employees, . \ ttrue copy o f tli:, th:.; crnail is
4
atta attache ched d here hereto to as Exhibit E ancl ancl1l1co rporated ated herein b\' attached hereto incorporated by reference. reference. and 1l1corpor
5
H
l 1 d bclicH m iinformed n ffo o r me me d ~and belicH that i,emik i,emik \\'a \round th \\'a:.; . \round this is ti tim m e, e, IJ aam \\ 'a:, :, aals() ls( ls() c,l\'iru time, c,l\'iru
6
L C;,lrcia, numerous yoicemaib for for \;\15. C;,lfcia, sometimes sl'\'eral se\'eral each eac h da\' day
7
intimating ingg frau fr aud. d. llengthy' e en n gt gthy' h h\\ \\'oicema 'o i c 'o ce em ma ails iib b intimat lengt intim atin fraud.
8 I9
late e :\ :\1a 1arrc'l 'l)) an a r h ' . \pril, Prior d eearly, Prim to lat late :\larc'l) and
<J.
re repe peat ated ed1> 1> calle called d Diane repeatedly Diane l'ra;;ier, l'ra;;ier,
:1 :1
fl me /ernil, I.cr nil, also :ll :lcfl
be liCH CH'' m iinformed n ffo o r me me d an d beli r aam and belieH
tllat tll at //ernik er n i k tllilt
h ee:: UbleC former fmmer Countrywide Countrywide LInderwriter, underwriter, about about th ublect matter
10
o f thi thiss litiga lit igatio tion, n, II am m i k informed \fs. d belicn litigation, am informed an and belieyc that that / e'emik Frazier :\fs. Frazier
I1 JI
dune n he n d ttold o l d hher e r tthat h a t hhe e knew done aa background background check o on herr aand knew cenain certain things things
12 12
m a dc dc h er u nc co o m ffo o r tta ab bll e e.. [I aam m also iinformed n fo fo r m ed ed a nd nd beliCH' that /e rn ik called made and /.ernik called i\ls I'ra;;ier's her uncomfortable. ]\15 h'azier's
13
home so fr frcl clJu Jucn cntl tly y th that at he d to r husband ha frelJuently that had to finnl>' that I:ernik cont",ct them her f i n n l ~ demand that /.emik 11L'yer ncyer cont,',ct them
14
a g ~ l l n .
t t h ~ l lI
~~ ll bb Oo ll il ll
he d had he ha
h':1 l1<:r tbat that
agam.
1ll 1ll.
15 15
In response to I.e rnik's k's continu con tinued ed harassment to I.erni I.ernik's continued harassment o f Countr\\\'ide o u n t r ~ \ \ i d e
c e t m n p r l l o ) \ y T e ~ ~ : ; , I
16 16
a:,kinj sent o lI,emik ,,e em mii L o \ p r iiII 22, 20U7,\priI13, \p d .\prill(), g a j J ~ m sent emails emails tto on ,,\pril 20U7, \pril 13, 2007, 2007, an and ,\pril 1(I, 2111)1, 21 )()/, a agaic a : . ; k i n ~ hi him
17
to rc larj rjng ng to e litigation. to communicltc communicate solely solely with with me regarding all matters matters rcla relating to th the
18
correer these se ('m (' mal alIs Is are are attach att ached ed here hereto to aas s Exhi Ex hibi bits ts I1 ,, C; d II respcc pcctl\'c tl\'cly, ly, and emalls attached hereto Exhibits and II,, res respcctlYely, respcct lYely, correct copies copies o ff the C; an
19
incorporated herein by by reference. reference.
T m c an d and Tmc
\pril 14, 2 2007, e ma ma n d de e d tthat h ha a t he il h ~ fl1al'ida O n ."\pril 0 ) ~ 7 , Zernik l a t i ida d a Zernik specifically specifically ddemanded he meet meet \\ ilh ilh fl1al' ()n
20
11. 11.
21 21
Carcia Garcia personally. personally.
22
12. 12,
5, 22007, 0(l7, II rrecei\'ed e ce ce ii\\ ''ee d aan n eemail m a i l iin n which Zernik ik attack att acked ed the O On n June June 1 15, which Zern Zemik attacked the \Va) \Va) I[
23 23
reli ligi gion on,, claim cla iming ing iit t \v \vas as "disgusting," d that e wa wass "appalled" ap ppa pa]J ]Jcc d hhI' I' practice disgusting, an practice re religion, claiming \vas and that hhe
24 24
he a rin ring g so that 1 ccould o n e Jday a y cominuance 1e hea o ou u lld d aattend tt tt en en d aa Passun:r it it 1 m y one continuance o his c., c., pa pa,1e hearing Passoycr s(,Jer s(,Jer w my off his wit1
225 5
ffamily. amily. 1In n th e email, the email, /ernik I.ernik berated berated C C
226 6
rreligious e l i g i o u s prac6ces s "disgusting" ilisgust ilisgusting ing aas s \\vell. vcll vcll.. A, true th is eemail m maa il il d co rrect co rrect p py y o prac tices aas true an and correct copy off this this
27 27
hereto incorpora porated ted herein hereto as as Exhibit 11 and and incor incorporated herein by by reference.
28 28
n.
13.
o u n ~ ~ \\ \ \ , l j d d e e
s s Chief Chief Legal C hief Legal
111 111 \\
Officer Officer ~ ~ a a n n d d
rl:quc or a rl:quc Sl Sf ffor
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attached attached
emaile iled d Ang Angelo elo i\loz i\l ozilo ilo,, demanding O On n June June 23, 23, 2007 2007, Zerruk emailed i\lozilo, demanding tthal hal he he Zernik ema
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FOR PROTEC TECTI\ TI\'E 'E ORDE ORDER R FOR ,,\\ PRO PROTECTI\'E ORDER
declaration regarding production (( ff do::ulr.ents. emure Zernik recei\'ed regarding th the do::ulr.ents. m u r e tthat rece cei\ i\ ed a declaration e production personally e h at at Z e rrn n i k re
2 2
O n June 25, 2(J()7, h he e ssame am am e relief 2007, Zernik Zernik emailed Sandor Samuels, Samuels, demanding demanding tthe relief Tr Tr ue ue ,,nndd
3
t ta ta c h he ed h e rre e t o as as Exhibits Exhibits J J an and K, resp respcctl,·cl;, correct copies o f these emails ar aree aattached hereto d K, resp:.:c :.:ctl, tl,·cl ·cl;, ;, aand nd
4
incorporated herein by reference, reference.
5
t o Sandor er er n nii k ssent e en n t aan Samuels an Zernik Sandor Samuels and d COp O n June 2(1, 20 Led n eemail m maa iill to CopLed 20 J7. )7., Z
1..t. l·t
;
rabbi rabbi
6
at his mmi t men t to r aud lluestio stionin ning g Samu Samuels els co commitment to fighting his synagogue, synagogue, llue lluestioning Samuels' fighting real rcal estate estate ffraud
7
c o orr re re c ctt c o op p y o f this eemail ma iill iiss attached as Exhibit ma n d iincorporated nc co orp po o r at at e d herein herein b\ reference. correct copy Exhibit L aand b\· tderence.
15, 15.
8 9 10
\\ true d and trm' an
On o n nff or o r m ed ed aand nd nd beliC\T l eft aa letter orr aboutJune aboutJune 27 27, 2007 2007, II am b e h n T that /:ernikleft letter am iinformed that /:ernik
fo i ef JLegal ,egal O f fi fi c e err S a nd nd o r forr Countrywide Ch Chief Officer Sandor
organization o f \\ hich hieh
I1
~~ ll rr
: ~ ~ a a m m u u e l s s at at
Be Bett Tzedck, Tzedck, aa charitable charitable
set t H(.'s S aas s President. Samuels se President. se1'\
O n o r about June ernik cmaiL June 2R 2R, 2U07 2UU7, according to to aa / 'ernik emaiL he he pcrsll11:LlIy persll11:LlIy
12
approached ab ab bi bi aatt Sandor synag( ( Jgue, Jgue, Rabbi diSC SClh lh;; 11hi his s ccase. ase ase,, approached a rrabbi Sandor Samuels Samuels' synag synagogue, Rabbi Shusterman. Shusterman, to to di diSClh; his
13 ]3
,"\t \ t that time. m iinformed nf nf or or m me ed a nd nd belic\ e rn rn i k m ad de e o ff ff e n nss lH lH remarks time, I] a am and that Z Zemik made offenslH' remarks alll alH Jut belie\ ce that lut
14
CountrY\\ ide s busi busincss ncss pr a actic ctices es an implica licated ted the mp an y iin n ffraudulent rra aud du u le le nt nt conch d imp CountrY\\'ide's business practices and implicated the co company conch IeIe 1.1.
17.
15 IS
O n June 29 n nd d S a am mu ue e 2UO?, Zernik 29,, 2Um Zernik again again wrote wrote to to J\lozilo ]\102ilo aand Samue
ff Ie Ie
copied copied
16
Rabbi Jonathan Bernhard. Joseph Sh he H mt erman , T o n o rab l e tt \ RabbiJoseph The Bernhard, Rabbi Shusterman, Honorable
17
others in th e le lega gall amj am d c( an d "others and the \ngeles." .\ true an and c( ttn ct ct copy copy ooff legal andj Jc\vlsh e\vIsh community in in L o ss.,\ngcles. .\ true
18
tthis hi hi s e m ma a il il is attached J\l l aand n d iincorporated nc co orp po o r at at e d herein email 1\1 herein by reference. attached hereto as Exhibit J\ by reference.
1
19
J
~~ cc hh
d, < d: t et l re ,r
,
..t, o emails, including attachments, I ) IJndisclosed 2007, Zernik emails.includingattachments.tnlJndisclosed 4, 20()7, Zernik sent sent tw two
On J
\ \ i i l l l l i i a a 11 ll 11
20
it it h ccopies o op p ie ie s to d o r Samuels, Ch i ef Legal recipients, w r Countn Legal Officer to San Sandor Chief Officer fo for Countr-\.vidl \,vidl .. with
21
bore tthe he he ssubject u ub b jje ec ctt line "PPLLLL\ \SSFF .\SK O S T O P RF \J ., I I ND DO OR R S;\:l\lUELS S;\1\lUELS T STOP "\SK S. \\ N T'O l lF,,\]
22 22
lU ; l l ~ ~ \ \ U U D D .
lrhe he emails e m ails ~ ~ : ~ ~ T T \ \ i E
T h e emails contain purported vh vh ic ic h sstate ta ta te te iin n ppart: ar ar tt:: HFor Foro The purported press press releases, releases, \\vhich
IMMEDIATE imd d contain th e subheading Countrywide s IMME DIAT E RELEASE, RELEASE," im the subheading "Countrywide's
: ~ ~ i \ , l I o l z o z i i l l oo an d and
24
h e emails Sam Samuel uelss Complicit Com Compli plicit cit in s tate tate F rau rau d . T o nt nt a iin n nnumerous ume err o u s fals\ t a : e m e n t s The emails ccontain Samuels in Real E Estate Fraud." false ~ sta:ements
25 25
impli implicatin cating g Countr Countryw yw ide of ttlcer lcerss an alle leged ged real re al estate d employee:, d :ortec implicating Countrywide oftlcers and employees in in al alleged real estate fraud. fraud. True True an and cotrec
26
copies arc c aattached t ta ta c h e ed d h e rre e t o as e s p e c t i n s , aa lldd copies o f these these emails emails ar are hereto as Exhibits Exhibits N Naanndd 0 rrespecti\'Cs,
27
incorporated incorporated herein herein
28
19. 19.
by
reference. reference.
?:ernik s ss--C m ppbnt b n t to d ed C ?:ernik is currently currently attempting attempting to to file file an amended Crroos Coom t o Lame Lame an amen
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.-\.PPLICATION ORDER \ P P L I C A T I O N FO FOR RA A PROTECTI\T P R O T T I \ ~ O RD E R
Countrvwid Count rvwidc c Fmancial Cor d Couniryn,vicle por auon an Countrywide CorporatJon and Couniryn,vicle employees employees \Iaria ~ I a r i a i\1cLmrin i\1cLmrin,
A:1,seb An,5eb
2
\1ozilo d S a nd nd o r S am mu u e ls ls as defendants he he h ea ea rrii n ng go for r A ugus t n his morjon !\Iozilo an and Sandor Samuels defendants, T defendants, The hearing on morjon isis notJced notJced fo for August
3
l),
2007, less less than tban 330 days days hefore hefore triaL
rr declare
4 5
foregoing is true
undEr under and
penalty o f perjury nd nd er er tthe h he e laws o ff th e State e perjury uunder the State ooff California California th:lt h : l t th the
correct.
. / fL _ Executed th1S .> day ofl uly, 20() i at
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]I,Jenna , J en n a ~ l o l d
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declare:
m an attorney du I aam duly the the Slate ly licensed li licc eens nsee d to practice law la w before th ti le Slat Sl atee ooff e Courts (,I f tile
4
a m counsel o f record for Countn Califor Countn'wide Cou11lnwide ).. I C a l i f o r nia. n i a . I am wide Home Loans, Inc. Inc. ( C Cou11 ou11lnwid lnwidee )).
5
ha e personal knowledge o f tthe declara declaration aration tion and and C( luld ccmnpc m n p l renty ten ty h hee ffacts acts sset e t forth iin n tthis rus decl
6
ttestify es ti fy tt o the following fol follow lowing ing ffacts. acrs.
cr
7
C o u n rt l ~
\ O i d e
applies
forr ex purte fo
Xc laust maHer aUSt a protectlye order iin n tthis his maner
8
Defendan Defendant to harass Cou l Oyel HT Countrywide ;ind Defendantt Joseph I:ernik ( I:ernik ) continues to Country ntrywid wide e emp loye lo l Ss ;ind ;in d
9
daily basis, despite that he ccommuniCite officers o n an almost da dail ily y ba basi sis, s, despit des pitee numerous requests that with o m m u n i C i l e uulcl\ l c l \ with
10 1
Countrywide's Countrywide s duly-designated counsel. In th the e past past te ten I:ernik has r,.:pe r,. rcpeak'ell :peak· ak·dk dk ::.:omacte n days, I:ernik :0111 acte
associates Countrywide Countrywidc off officers, office icers, rs, and has c eycn y en en c contacted on ntt a c ctt e d th the e Coun Counrryw Countrywide rrywide ide office off office officers' icers rs rs' p,.: p, p,:r:;onal .:r: r:;o ;ona nall associate s
12 12
charities and an d temples. Zernik has shown nu iindication ill ceas ce asee this th is ha hara rass ssi: i:w; w; at charities n nd d ic ic at at iio o n tthat ha ha t h he e w will cease this harassi:1g
13 ]3
behayior. beha\ior. 3
4
Ju l y 3 0 0 7 , I f~ ;aH a email an aall ll pa part rtie ie:, :, that th at C( untt}\\Oide d fax to O n July 3,, 22007, n notice i ,·ia and partie:, that Cruntrywide t
15
b e appearing app pe e a rrii n g ex pu COml mlYl YlUn Unka kat, t,·· solely would be Zernik to CO pUl1e fo forr a protectiye protectin order directing Zernik comlYlUnicat,· solcly
16 16
Count0 \\ ide s des designa ignated ted coun counsel sel regardtng this s liti litigat gation ion r u e aand n d ccorC'ct o rrC C c t COpl off with Countrywide's designated regard111gthi this litigation \ ttrue cop ' o
17 17
t h e fax fax confirmation sheet is the attached hereto as Exhibit P. is attached
18 18 19 19
d e c l a r e under penalty o f perju0 e laws o f th th e e State t the perjury under tb bat I declare the the State o f California· California ba the is true t ru ru e an d correct. and foregoing is
20 20
Executed this '5-tfJay -tfJay
o f July, 2007, 2007, at / i m i z I l l 1 1 l 1 l l y y
l [ ~~ oo rr n n i i a a
21 21
22 22 23
24 24 25
26 26 27
28 28 ,64 ,-31- .-7, ,-,,b,,--,- b,,-64 ,-31,--,-7,
16 16
__
E X P RT APPLIC LICATI ATION ON FOR A PROTECTl\TE RTE APP APPLICATION PROTECTl\TE ORDER
Todd Boock!AttorneyfLegaJlCF Boock AttorneyfLegaJlCFf 03 3 28 200701 2 7 1 ::03 3
To To [email protected]@CWEXTERNAL [email protected]@CWEXTERNAL
I
cc cc
PM PM
Marie Mariela la Garcia Garcia/Legal/CF/CCI@Countrywl Garcia/Lega de Legall/CF/CCI@Countrywlde CF CCI Countrywlde
Re L E D E R TO TO n BOO BOOCK. Subject Re: Re:: URGENT URGENT-- LEDER BOOCK CK.. TIME TI TIME ME RESPCJNSE RESPCJNSE DEMANDED BY BY 5:00PM ON ON THURSDAY, MARCH M l d ~ H 29 29, 2007 2D07 @ ffi
Zernik, Mr. Mr. Zer Zernik nik,, receipt letter dated March I am in rece re ceip iptt of of your your le lett tter er date da ted d Ma Marc rch h
2EE
2007, via 2007 2007,, but but sent sent to to me me v ia e-mail e-mail on on March Marc rch h 27, 27, 2007. 2007.
You r lett letter raised issues s tth tha': a':: we are looking time. Please advised we You Your le tter er has has rais ra ised ed numerous nu nume mero rous us issue issu issues es ha are lo look okin ing g into into into at at this this ttime ime ime. Ple Pl ease ase be be a dvis dvised ed that that we are di diligently letter comply legal as to are dilig ligen entl tly y researching rese resear arch chin ing g the the issues issu issues es raised rais raised ed by by your your letter let ter and and wi will ll comp co mply ly wi with th our lega le gall o oblinatiom l i ~ l t i o m subpoenas. nas. your subpoe subpoenas nas. . March 23rd e-mail former IIn n my Ma Marc rch h2 3rd e -ma -mail to yo your ur form fo rmer er attorney atto attorn rney ey Zachary Za Zach char ary y Schorr, Sc Sch horr rr,, II requested re requ ques este ted d that that that we we set set up up aa requE:'st meet-and-confer meet-and-c onfer telephone Since no longe longer representing am st to meet me et-a -and nd-c -con onfe ferr te tele leph phon one e call. cal all. l. Sin Since ce he he iis s no lon gerr repr re pres esen enti ting ng you, you, I a m making ma maki king ng the the same same requE: ::'rd. you. with convenient times call Monday Tuesday, Tuesda Apri/2nd rd. y ou. Please Pl Plea ease se provide provi rovid de me me with wi th a few few co conv nven enie ient nt time ti mes s to cca all you you on Mo Mond nday ay or Tues Tu esda day, y, Apri Ap rill 2nd or :: This sufficient fully review research issues raised your Mr.:Jch:xr's Th This is should shou hould give gi give ve me me su suff ffic icie ient nt time time tto o full fu lly y re revi view ew and and re rese sear arch ch th the e issu is sues es ra rais ised ed bby y yo your ur aand nd Mr Mr.:J .:Jch ch:x :xrr s letters, determine whether additional le lette tters rs,, and and to deter de termi mine ne whethe whe therr addit ad dition ional al responsive respo responsi nsive ve documents doc docume uments nts exist. exist xist.. interim, counsel, IIn n the the in inte teri rim, m, we kindly kind kindly ly ask ask that, that that,, since sinc since e you you are are aware aw awar are e that that that Countrywide Co Coun untr tryw ywid ide e is is represented repr re pres esen ente ted d by cou counse nsel, l, you you you direct me . dir direc ectt all all communications comm commun unic icat atio ions ns regarding rega regard rdin ing g this this matter matte matterr solely sole solely ly to me. Thank Thank Tha nk you you for for your your an anti anticipated tici cipa pate ted d cooperation, co coop oper erat atio ion, n, and an and d II look look forward forw forwar ard d to spea speaking sp eakin king g with with with you. you.
II I Countryvvide ountryvvide Boock Todd Todd Boo Boock ck 1stt VP, 1s VP, Sr Sr Legal Le Lega gall Counsel Coun Counse sell C In-House CA In-House In-Ho use Litigation Liti Litigat gation ion Legal Le Lega gall 818-871-6045 Office 818-871-6045 92-585-6045 Internal 92-585-6045 818-871-4669 Fax 818-871-4669
5220 Las Virgenes Rd Maill Stop: Mai Stop Stop:: AC-11 AC-11 C 91302 Calabasas. CA
Todd [email protected]
[email protected]
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jz12345@earthlink jz 2345@earthlink net 03328 28200701:31 2 7 1:31 PM
To Todd_B [email protected] To Tod d_Bood@ ood@Cou Country ntrywid wide.Co e.Com m Mariela_ Mariela Gareia@Countrywide. [email protected] Com Mariela_ Marie [email protected] ee ee
bee bee Subject Re: URGENTLETTER LETTE R TT TO O n n BOOCi< TIME RESPONSE BOOCi< TIM Subj Su bjec ectt R e: URGE UR GENT NT L LET ETTE TER R O TIME E RESP RESPONS ONSE E DEM NDED BY 5:00P 5:00PM ON THURSD THURSDAY MARCH ZOO? BY 5:0 0PM M ON THU RSDAY AY MARCH MAR CH 29 9 ZOO? EM N E
28,
March Ded drr
2 00 20 0 7
r Boock a n d
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s G G aa rr cc ii aa ::
You Yo u h a d m o r e t h a n e n o u g h t i m e tto o cco on nssiid deerr tth hiiss ssuubbppooeennaa,, ffiirrsstt sseerrv ve c D You in August 2006 You h a d s u f f i c i e n t ttiim mee ttoo pprreeppaarree tthhee rreeppeeaatt dd d r ee s ss no o tt tto d re sss tth he e ccoonncceerrnnss yo you u s u b p o e n a i n J a n u a r y 2 0 0 7 , b u t cch ho osse n o aa d w e r e i n f o r m e d o f i n December December 2 20 0 6 . Please
r e s p o n d t o de m a nds i n my demands my l e tt tt e Thhuurrssddaayy,, e rr bbyy T
March 0 7 March 2299,, 20 200
: 5:00010. ; : 00 10.
y tt h y bbee iin D e p e n d i n g on y o u r r e s p po on n ss ee bby de ea ad dlliin ne e II ma ntteerreesstteedd in in ha a tt d may e e k, on T u e s d a y . You how some yo u n e x week, m e e t i n g you xtt w You n neeeedd ttoo sshow some iin ntteen nttiiconn ttoo comply, not l u s t obf usc a t e . piiieed i n t h i s r e g a rr d d are co op d tto o M e a ll ss o o c Md a rr ii e e ll a a G Gaarrccliaa , S s i i ~ e i S ec rdd s, s ,, sshhee t h e p e r s o n who off C who s i g n e d d on t h he d de ec c llaarraattiioonn o Cuussttooddiiaann ooff R Re eccoo rd ma y s u f f e r c o n s e q u e n c e s i n err s o n pe on, e heerr p may e.. g g , aag gaaiin nsstt h paarraalleeggaall n d s h e ma y be L teerrre stt e ed d license, a an may i nnt te eess d ii n h hiirriin ng g h heerr own own lleeggaall
Messages
he c o ff ii n r e p r e s e n t a t i o n , given th co on f l i c t o ntt ee rr ee ss tt tt h ha a tt w woouulldd nnoott ou yo u to r e p r e se n t h e r .
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s s
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Todd Boock AttorneyILegal/CF
To To [email protected]@CWEXTERNAL jz12345 jz12345@ea @earthl rthlink. ink.net net@CW @CWEXT EXTERN ERNAL AL
I
[email protected] cc Mar Mariel iela_Ga a_Garci rcia@C a@Count ountryw rywide. ide.Com Com
03/28/200704:56 PM 03/28/200704:56 ~
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Re: URGENT- LEDER LEnER TO AnD BOO BOOCK. CK. TIM TIME E R E ~ ; P O I \ J S E DEMANDED BY 5:00PM ON TH THURSDAY, THURS URSDAY DAY,, MAliCH ;)9, .:'007
j j Mr. Zernik, Mr. Zer Zernik nik,, writing recent I aam mw riti riting ng tto o rrespond espo espon nd tto o your your most most re rece cent nt E
~ - m a i l
sentt earlier sen ear earlie lierr today. toda today. y.
your August issues In your yo ur e-mail, ee-ma mail il,, you you raised raised a concern conc conce ern that th that at we we have have ave had had since since A ugus ugustt 2006 2006 to rrespond espon spond d tto o tthe he issu is sues es discussed in yo recent cent correspondence. respectfully disagree. disagree. serve served d iin discussed your ur re rece nt co corr rres espo pond nden ence ce.. We We re resp spec ectf tful ully ly disa di sagr gree ee.. The The subpoena su subp bpoe oena na you you se serv rved ed n August January 2007. August Augu Au gust st 2006 2006 2006 was was entirely enti entire rely ly different di diff ffer eren entt than th than an the the subpoena su subp bpoe oena na you yo you u served se serv rved ed in Ja Janu nuar ary y 2007 20 07.. The The Augu Au gust st 2006 2006 subpoena documents relating o a loan application. The Th su subp bpoe oena na was was a generalized gene genera rali lize zed d request re requ ques estt fo forr docu do cume ment nts s re rela lati ting ng tto loan appl applic icat atio ion. n. T he January Ja Janu nuar ary y 2007 2007 subpoenas documents, included subcategmies subpoenas subpo enas sought sOll sOllgh ghtt nineteen nineteen nineteen separate separa separate te categories cat catego egorie ries s of doc docume uments nts,, many many of whi which ch include inc luded d sub subcat catego egol'i l'ies es We timely timely timely responded re resp spon onde ded d to both both subpoenas su subpo bpoen enas as and and produced produ produce ced d documents. do docu cume ment nts. s. the 2007 letter Most of th e issues is issu sues es that that your your attorney at atto torn rney ey raised ra rais ised ed in in his his March Marc March h 19,. 07 lette let terr an and d the the new new issues issu issues es you you ra rali; lii;;ed ;ied ied in 19 20 your raised by any attc:ltion yo ur March Marc March h 27, 27, 2007 2007 letter le lett tter er were were not not ra rais ised ed by any of th the e subpoenas. su subp bpoe oena nas. s. They They we were re brought br brou ough ghtt to my attc:lti attc :ltion on for the first time in these recen recent t letters. Please note that we are not a party to the lawsuit, were neV'3r for the fi firrst time ime in th thes ese e re rece cent nt letters. Ple leas ase e no note te th tha at we are not party rty to the law lawsui suit, were ere served as se serv rved ed with wit ith h the the complaint co comp mpla lain intt and and are are not not a s familiar fa fami mili liar ar with with the the issues issu issues es in the the case case as as you you appear ap appe pear ar to to be. l\ 5 I explained e-mail, e-mai l,, we expl ex plai aine ned d iin n my my prior pr prio iorr ee-ma mail il, we are are attempting at atte temp mpti ting ng to to diligently di dili lige gent ntly ly respond re resp spon ond d to your your letter lett letter er and and research re rese sear arch ch the the issues is issu sues es you tak takes es time accomplish, yo u have have have raised. ra rais ised ed.. Unfortunately, Un Unfo fort rtun unat atel ely, y, th this is ta take kes s some some ti me to acco ac comp mpli lish sh,, and and we we intend inte intend nd to take take tt1e neo;lssary amount amou am ount nt o off ti time me tto o comply comp comply ly with with ou our our llega legal egal o b l i ~ l a t i o n s . conf lengthy y letters demands s are good Your attempts attempts to "meet me meet et and and confer" confer" er by by sending se send ndin ing g us us length le leng ngth thy lett letter ers s and and lists list lists s of of demand dema demand nds are not not in in good good Givin g us hours o respond these e le letters also not n good n orr do fol ffaith. aith. Giving Gi Givi ving ng us lless ess tthan ha han n 48 h ou ours rs tto respon spond d to to thes th thes ese lett tter ers s is is a lso lso n ot iin good ood faith, fai faith, nor no does es iitt follovl follovlI lovlI rU"3S. confer contemplated 3S. Each the spirit sp spir irit it of me meet et and and co conf nfer er co cont ntem empl plat ated ed by by the the Los Los Angeles Ange An gele les s County Coun County ty Superior Supe Superi rior or Court Cour Courtt local loca locall rU and attempted engage confer a nd every ever every y time ti tim me we we have have at atte temp mpte ted d to to en enga gage ge in in a reasonable reas reason onab able le meet meet anel co conf nfer er with with you you or your your attorney, atto attorn rney ey,, we have ignored. appropriate resear research ch the have been been rebuffed re rebu buff ffed ed or ig igno nore red. d. We will will ta take ke th the e appr ap prop opri riat ate e time time to re rese sear arch the issues issu issues es raised ra rais ised ed in your letters substantive discussion about the issues le lett tter ers s and, and, once once we have have done done done that, th that at,, we will will ill engage enga engage ge iin n a su subs bsta tant ntiv ive e disc di scus ussi sion on with with ith you you ab abou outt th e issu is sues es you raised would o wo wit ittresolve are more yo u have ha have ve raised. raised. We We woul wo uld d like like tto work rk w ittt- you you to reso re solv lve e each each of these the hese se issues issu issue es and and a re m ore than than willing w i llll in ing to t o take take the the time time to to g go oo over v ve er e each ach o off thElm wit with h you. you. In that that th at v vein, ein, I a again gain a ask sk y you ou w when he hen n yyou ou an; are available telephone April avai av aila labl ble e to to meet me meet et and and confer co conf nfer er over over over the the te tele leph phon one e on on Monday Mo Mond nday ay or or Tuesday, Tues Tuesda day, y, Apri Ap rill 2nd 2nd or 3r 3rd? d? Please Plea Please se provide pr prov ovid ide e will and ill call me with with a few few times time imes th that at you you are are available, av avai aila labl ble e, I w ill let let you you know know know what wh what at works work orks wi with th my my schedule sche schedu dule le a nd I 'ill you you at at that th that at time. time. Incidentally, 2007 letter exhibits, In Inci cide dent ntal ally, ly, while while while your your March Ma Marc rch h 27 2 lett tter er ma makes kes reference re refe fere renc nce e to certain ce cert rtai ain n ex exhi hibi bits ts,, those thos those e exhibits ex exhib hibit its s are are nc,t 7 le attached descriptions exhibits are include included). d). certain at atta tach ched ed to to your yo your ur letter le lett tter er (only (o (onl nly y de desc scri ript ptio ions ns of th the e exhi ex hibi bits ts ar e incl in clud uded ed). ). So So that that we are are ce cert rtai ain n we krow to letter, lette r,, please de exhibits whatt you wha you refer re refe ferr iin n yo your ur le lett tter er, pl plea ease se provi pr prov ovid ide e the the exhi ex hibi bits ts as soon soon as possible. poss possib ible le,, Finally, threats against Garcia wholly inappropriate immediatl',ly Fina Fi nall lly, y, your your thr threa eats ts agains aga instt Ms. Ms. Ga Garc rcia ia ar are e wh wholl olly y inapp ina ppro ropr pria iate te an and d no nott well well taken. take taken. n. Please Plea Please se immediatl' imme immedi diat atl'l',ly ly ceas e maki making threats against again stt Co Countrywid Countrywide e em employ employees eess in general an and Garcia part lcula lcular. r. I ce ceas ase ma king ng idle id idle le th thre reat ats s agai ag ains nst Coun untr tryw ywid ide empl ploy oyee in gene ge nera rall a nd Ms. Ms. Ga Garc rcia ia iin n part1lcular. represen Garcia, again aga in e or its employees repres rep resent entt Ms. Ms. Ga Garc rcia ia,, an and d I ag agai ain n reiterate re reit iter erat ate e tha thatt any communications com commu munic nicati ations ons to Countrywid Co Count untryw rywide ide its e rnployE,es should directed sh shou ould ld be be di dire rect cted ed solely so sole lely ly to me. me. Mr. Zernik, assure working nas M r. Zern Ze rnik ik,, I assu as sure re you you that that we we are are work wo rkin ing g diligently di dili lige gent ntly ly to to respond re resp spon ond d to to your yo your ur subpoe su subp bpoe oena s and and letters. let lette terrs. ur issues to work work with with you you to to resolve re reso solv lve e yo yo your issu issues es and and move mo move ve forward. fo forw rwar ard. d. Thank your anticipated forward speaking you Than Thank k you you for for yo ur anti an tici cipa pate ted d cooperation, co coop oper erat atio ion, n, and and I loo look k fo forw rwar ard d to sp spea eaki king ng with with y ou next next we,ek.
ViE Vi
hope
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SENT BY FAX TO 818 SEN SE NT BY BY EMAIL EMAIL AND AND B O 818-871-6045 818--871-6045 871-6045 aand nd 8800 00 6658 58 99364 364 Y F AX T March March arch 29. 29. 2007 2007 Att Todd Boock Att T od odd d Booc Bo ock k 1st VP aand Counsel nd Sr Sr Co Coun unse sell Legal Department Le Lega gall Depart Dep artmen mentt Countrywide Country Coun trywide wide Financial Financ Financia iall Corp Corp Mariela Mariel Mar ielaa Garcia Garci Garciaa Custodian of Records Legal Le Lega gall Depart Dep Department artmen mentt Countrywide Country Coun trywide wide Financial Fi Fina nanc ncia iall Corp Corp 5220 Las Virgenes Rd 1302 Calabasas, CA 9 91302 TT BOOCK. TIME E TT TT E R T OA ATT BY :5::00PI\1 URGENT- L LETTER TO TIME RESPONSE DEMANDED DEMANDED BY :5::00PI\1 ON ON THURSDAY MARCH 29, 29, 20 2007 07 THURSDAY,
Dear De ar Att. Att. Boock: Booc Boock: k: Dear av avai aila labl blee to me mee et aand nd co conf nfer er by phon ph onee to toda day, y, Th Thur ursd sday ay,, ffrom rom 7:00 7: 00am am to 9:0 9:00am 0am.. an and d ho m I aam m available meet confer phone today, Thursday, 7:00am 9:00am, and hom 2:00-3:00pm in tthe he af afte terrnoon noon.. This This is a last mi nute te noti no tice ce,, b ut ev even ents ts in tthis his ccase ase aand nd your yo ur 2:OO-3:00pm afternoon. last minu minute notice, but events your ob obfu fusc scat atio ion n over ov over er aa year ye yeaar and and aa half ha halfdo lfdo not leave leave me m uch cchoice. hoice. I am offe of feri ring ng you yo u thes th esee t t i i m m ~ ~ obfuscation do not much offering you these for phon phone e conversation conver sationss in addition many ma ny oppor opp ortun tuniti ities es y ou had ve verr tthe he llast ast yyear ear aand nd aa for phone conversations addition to opportunities you had oover submit additional additi additiona onall inf infor ormat mation ion lriting. I am se send nding ing this this noti no tice ce by yo u aa:'ld qd half to submit informati information on in w wlriting. sending notice by email email to you to you Mari Ma riel elaa Garc Ga rcia ia aand nd I am al also so leaving le leav avin ing g you ph phon onee message mess agess in this this regard. re regar gard. d. Mariela Garcia phone messages m ddoing oing so so in order to off offer er you you an opportunity cl arif ify y be befo fore re 5:00 5: 00pm pm toda to day. y. Th Thur ursda sda;. ;.,, I aam opportunity to clar clarify before 5:00pm today, Thursday, your reasons reas reason onss for for refu re fusi sing ng to com comply ply with with l le lega gall subpoena subpoena for he docume doc uments nts re rela late ted d to your refusing legal for tthe documents related to loan loan Nivie ie Samaan. Sa Samaa maan. n. applications by Niv As expl plai aine ned d in my prior ee-mai mai I we ar are e attemptin atte mpting g to dilige dil igentl ntly y re respo spond nd to tt As IIex explained are attempting diligently respond to your jour lletter and and research rese resear arch ch the the issues issu issues es y ou h ave ra rais iseed. Un Unfo fort rtun unat atel ely. y. tthis his ta tak kes so some me ttime ime to acc accompli omplish, sh, and you have raised. Unfortunately, takes accomplish, and IN INC inte intend nd to to ttake ak akee tthe he nece ne cess ssar ary y amou am ount nt of time to co comp mply ly with with our ou egal obli ob liga gati tion ons. s. ,, ,'our Ollr intend necessary amount comply ourr llegal obligations. excu ex cuses ses for for fa fail ilin ing g an and d re refu fusi sing ng to ccomply ompl omply yw ith a llegal egal su subp bpoe oena na si sinc ncee Augu Au gust st 2:006 2:006 can excuses failing refusing with subpoena since August can good d faith. fa fait ith. h. no longer be accepted as written in goo There is n o legitimate leg egit itim imat atee and/or an and/ d/or or reasonable re reas ason onab able le excuse excus xcusee for for refusing re reffusin using g for for over ove over a year ye ar aand nd aa half hal f to no year half to print Pl'll1t out t he f u l l an and d co comp mple lete te Comme Co mment nts/ s/Do Docu cume ment nts/C s/Con onve vers rsat ation ion Lo Log g f or Sa Sama maan an s loan lo ans s f r o m YClur out the full and complete Comments/Documents/Conversation Log for Samaan's loans from YClur comput com puter eriz ized ed sy syst stem em.. Part Pa rts that at llog, og, rdated rda ted to Exce Exception ption Approval Approval by Corporate computerized system. Par Parts tss o rdated Corporate off th reas ason on not not to pr ull aand nd Unde Un derw rwri riti ting ng Su pport rt Of Offi fice ce were we re al alre read ady y pr prov ovid ided ed.. Ther Th eree is no re provl ovlld ldee aa ffull Underwritin Underw riting g Suppo Support Office were were already provided. There reason provilde complet comp letee copy copy o f tha thatt log. log. complete an d a half no Is a year and time e to accomp acc omplis lish h a printout such h log? lo g? amount of of tim printout of log? nott sufficient amount time accomplish of suc such
w we in a substantive discussion - what kind of discussion is there to e will engage in regarding your obl obligation out and provide ut an obliga igation tion to print o d pr prov ovid idee me me wi with th that log?
e n g a ~ ~ ( ~ ~ in
fa and At some point point your arguments argume arg uments nts start start sounding exactly like what tthey hey hey are are - a ffarce arce arrce ce and an d a
Depmtment major You be awale perversion o f the law 1\ \ ale Jaw by th thee Legal Le Lega gall Depm De pmtm tmen entt o f a majo ma jorr ccorporation. orpo orporration tion.. Y ou mu must st aalso lso be
my conc aggravated recent reports equated Countrywide I ~ n r o n . that my concerns erns are are aggra agg rava vate ted d by re rece cent nt re repo port rtss th that at eq equa uate ted d Co Coun untr tryw ywid idee with with Enron. Let me me be be clear. subpoena ugUSl 20 2006 was prepared by A Att Cummings. The Subpoe'la clea clear. r. The The su subp bpoe oena na o f AugUSl 06 wa s prep pr epar ared ed by tt Cu Cumm mmin ings gs.. Th eS ubpoe 1a
o f Jan all fo following Confer letters (copy attached Jan 2007, 20 2007 07,, and and all foll llow owin ing g Meet Meet an and d Conf Co nfer er le lett tter erss (cop (c opy y o f a rrecent ece cent nt one one is att attac ached hed bel below ow), ),I whether on attorney's letterhead were drafted so tthat am ve very familiar with whethe whe therr o n atto at torn rney ey's 's le lett tter erhe head ad or not, not, w ere dr draf afte ted d by by me, so hat I am ver ry fa fami mili liar ar w ith ith ea each ch every discussed aand nd ev ever ery y iitem tem disc di scus usse sed d in them.
The mate The materials materi rial alss sought sought in all o f th thes these esee comr co comrnunications mrnu nuni nica cati tion onss with with Coun Co Countrywide untr tryw ywid idee ar aree the the sa same me as as tho',e tho',(: documents pertaimng subpoena by AU U Cu Cummings al alll doc requested in tthe he very very first first su subp bpoe oena na by Cumm mmin ings gs - aany ny aand nd all docume uments nts pertai per taimng mng tIto Applications Borrower Nivie Samaan Property South Peck Drive, Beverly Lo Loan an Applica Appl ications tions by Bo Borr rrow ower er Ni Nivi viee Sama Sa maan an ffor or th thee Prop Pr oper erty ty at 320 320 Sout So uth h P eck Dr Driv ive, e, Be Beve verl rly y Hills. attempts claim otherwise excuses obfuscation Hi Hill lls. s. Your Your atte at temp mpts ts to cl clai aim m ot othe herw rwis isee aare re aadditional dditio dditiona nall ex excu cuse sess ffor or your your obfu ob fusc scat atio ion n aand nd re:l'usal re rus tto o co comp mply ly w ith a Cour Co urtt ordered or orde dere red d su subp bpoe oena na.. comply with Court subpoena. communications Y You ou m mention entio tion tthat hat yyou ou are are n not ot a pparty arty tto o tthis his llitigation. itigation. T These hes hese comm co mmun unic icat atio ions ns aare re aalso lso mCHlt me HIt
tto
serve you due you make m i s s i o l l ~ ; by notice offer opportunity to m Actions by serv se rvee y ou due du e noti no ticcc aand nd of offe ferr you yo u tthe he oppo op port rtun unit ity y to ake aamends. mend mends. s. A ctions ions aand nd o olloissiolb Mari Ma Maria riaa McLa Mc McLaurin Laur urin in an and d ot othc others hcrs rs in Country ide ide in Oct Octobe Octoberoberr- 2004 2004 to to Ja Janu January nuar ary y 2005 20 2005, 05,, aand nd in addittinn addition sending by send se ndin ing g a letter lett lettcr cr si sign signed gned ed by by Ma Mari Maria riaa McLa Mc McLaurin Laur urin in on behalf beha behalf lf o f Co Count Countrywide untry rywi wide de ffor or u use se by Pia Pia inti inti IT in in this th is liti li litigation, tiga gati tion on,, and and in addition by failure by Countrywide to to comp complete completely letely ly re respo respond spond nd to to subpoena iii Augu Au gust st 2006 20 06,, aand nd in addition by failure fa fail ilur uree and an d re refu fusa sall by Countr ntrywi ywide, de, To Todd dd Booc Bo ock, k, Ma Mari riel elaa 2006, August and refusal by Cou Countrywide, Boock, Mariela Garcia, others to co comply with subpoena since January 2007, becomes apparent that Garc Ga rcia ia,, and and othe ot hers rs to comp mply ly w ith a llegal egal su subp bpoe oena na si sinc ncee Ja Janu nuar ary y 2007 20 07,, itit bec become omess apparent appa rent tll at named Countrywi Count Countrywide rywide de (refer (re (referring ferrin ring g here here to CF CFC C aand nd all all it itss af affi affiliates), fili liat ates es), ), indi in individuals divi vidu dual alss na name med d ab abov above. ove. e. aand nd otl1er, ot wr, wr, are in fa ct accomplice accom plicess in this is bl blat atan antt ffraud raud aand nd decc de ccit it.. in fact fact accomplices in th this blatant deceit.
provide do so in aa fa fax/email following, although Y You ou rrequested equeste sted that tha hatt I pr pro ovi vide de the the eexhibits, xhi hib bits ts,, aand nd I do fax/ x/em emai aill foll fo llow owin ing. g. al alth thou ough gh aa 0 exception, materials produced two them, the m, wi with th one one ex exce cepti ption on,, aare re ma mate teri rial alss pr prod oduc uced ed by by Co Coun Countrywide. untr tryw ywid ide. e. I am am al also also so prod pr producing oduc ucin ing g two tw o ad addi diti tion onal al ex exhi hibi bits ts ffor or your your rreview, evi vieew, w hi hicch hhave ave bbeen een disc di scus usse sed dm any timc ti mcss in pre·vious additional exhibits which discussed many times previous communications: communications: Loan Applications (1003) produced Countrywide, demonstrating by Ni Nivie Samaan, by Countr aa)) Loan Lo an Ap Appl plic icat ation ionss (1 (100 003) 3) by Nivi viee Sama Sa maan an,, aas s pr prod oduc uced ed by Countrywide ywide,, demonstrating demonstr ating blatan bla tantt adu adulte lterat rations ions,, pr produ oduce ced d by subp bpoe oena na witho wi thout ut aany ny blatant adulterations, produced by Couml'ywide Coumrywide in response to to su subpoena without accomp acc ompany anying ing Inte In tern rnal al or Ex Exte tern rnal al Au Audi ditt docume doc ument ntss to justif tify y this th is abe aberra rration tion.. documents accompanying Internal External Audit to jus justify this aberration. bb)) A de libe bera rate tely ly misl mi slea eadi ding ng pa pape perr docu do cume ment nt ti titl tled ed Conv Co nver ersa sati tion on L og, og, Sa San n Rafa Ra fael el Br Bran anch ch A deli deliberately misleading paper document titled Conversation Log, Rafael Branch San produced by Co Count untry rywi wide de.. Mari Ma riaa McLa Mc Laur urin in,, Bran Br anch ch Ma Mana nage ger, r, S an Rafa Ra fael el Br Bran anch ch,, indi in dica cale led d in Countrywide. Maria McLaurin, Branch Manager, San Rafael Branch, indicated in aa phon ph onee co conv nver ersa sati tion on w it ith hm e th tha at it w as her her deci de cisi sion on to in sert rt this this docu do cume ment nt inst in stea ead d ooff tthe he ,lrw rw conversation with me that was decision to inse insert document instead phone and cor rect, ct, fu and and com complc plcte te printo pri ntout ut of the e computer-ba comput er-based sed computer-based and corre correct, full complete printout o f th the CommentslDocuments/C CommentslD ocuments/Conversati onversation on Lo Log g ooff Sam Samaan aan's 's loan lo an applic app licati ations ons.. In Comments/Documents/Conversation Samaan's loan applications. In contrast, contrast, D D i i a a n n , ~ ~ Fraz Fr azie ier, r, the the duly du ly auth au thor oriz ized ed Unde Un derw rwri rite terr ffor or Sama Sa maan an loan lo ans, s, whos wh osee au auth thor orit ity yw as us usur urpe ped d by Frazier, duly authorized Underwriter Samaan loans, whose authority was usurped by Maria Ma ria McLaur McL aurin, in, ind indic icat ated ed in aa pphone hone ccall all w ith me that at such su ch pape pa perr Conv Co nver ersa sati tion on Logs Lo gs ha\ ha \ ee McLaurin, indicated with me th that such paper Conversation Logs ha\ neve ne verr been be en uused sed in the eS an R afael Br Bran anch ch at east si sinc ncee 1 989, tthe he year ye ar sshe he joine joi ned d CC oo uu nn t t r rY Y ii \\ ff i i d d: :~ ~ been never in th the San Rafael Branch at lleast since 1989, year joined by v/Titlen Countr Cou ntrywi ywide, de, Todd Tod d Booc Bo ock, k, an and d Mari Ma riel elaa Garc Ga rcia ia w er eree warn wa rned ed in ph onee and an and d by v,ritlen Countrywide, Todd Boock, and Mariela Garcia were warned in person, person, by by phon phone communications this is wr writ iter er,, pr prio iorr tto o tthe he Janu Ja nuar ary y 200 20 07 su subp bpoe oena na,, that th at such su ch docu do cume ment ntss \ver documents communications by by th this writer, prior January 2007 subpoena, that such \ver,:
produced in the August 2006 documents wit without any justification Yet, produced in t he he A ug ug u uss t 2 00 06 6 ssubpoena. ub p po o e na na . Y et, tthe he he ssame aam m e documents witho hout ut any an y jus justif tifica icatio tion n were were produced again again iinn response to the subpoe off Jan January r esp espo o nse nse to the su sub b po po ean ean o Januar uary y 2007 2007 I represent again any communications Countrywide or or tts represent Ms. M s. s. Garcia, G ar ar cia cia,, and and I agai ag ain n rreiterate eit eiter erat atee that that any an y co comm mmu u nic nicat atio ion n s tto o Countrywide employees bee d directed me." find itit hhard to bbelieve that this statement trut. employees should sh sho o uld uld b ir ir ect ected ed solely sole solely ly tto o me. me . [find ar ar d to eli eliev evee that th at this th is st stat atem emen entt iis s trut. Mariela your ooffice, signed individual behalf ooff Countrywide. Countrywide,Is Mariela Garcia, G aarr cia cia,, a paralegal p ar ar ale aleg g al al iin n your f fic fice. e. si sig g ned ned as aan n ind in d iv iv id id ual ual oon n behalf IS the appointed Record:i Reco rd:i If If I rreceive direc communic comm unicatio ation n fr from Mariela the duly duly app appoi ointe nted d Custodian Cus Custo todia dian n o f Record:i ece eceiv ivee aa ddirect ir ir eect ctt communication from om Mar Mariel ielaa r e p r e s l ~~ nn t t
t time
Garcia that that that states st stat ates es that that that you y ou ou indeed ind ind eed eed h er aass aan n iindividual, nd nd i vi vi du du a ll,, w h il il e aatt tthe he he ssame am am e irne Garcia her while representing aware the conflict interests inherent in :,uch :,uch r eep p res resen enti tin n g Countrywide Cou Cou ntr ntry y wid widee and and and that that she she iiss awar aw aree o f the th e con confli flict ct off inte interes rests ts inherent inher ent in representation, representat ion, w would cease copy her onn such communications. ou ld ou ld ceas ce asee tto o cop co py h er er o such comm co mmu u nic nicat atio ion n s. s.
Att At t Boock, your obfuscation is is no l o n ~ e r tolerable. Time is is ooff the essence ou r actiollls actiollls the es esse senc ncee - your and and representative me an d omissions, omission omis sions, s, as an individual individual an d a ass a re repr pres esen enta tati tive ve of Countrywide h h a a v v ~ ~ caused caused me through th expunge substantial fina financial financia nciall damages through thee de deni denial nial al ooff a moti mo motion tion on tto o expu ex pung ngee llis is pe pend pendlws ndlw lwss l nn November 2006 Countryw trywide ide and Maria 2006, 20 06,, opp oppose opposed osed d wi with th critic cri critical tical al support with Coun Countrywide l\kLaul in, in, Maria l\kLaul
an d are and ar e causing causing critic cri tical al damage to m y de defe fens nsee in in Samaan Samaan vs. Zernik, ssoon oon tto o bbe e bbeard eeaa rrd d critical my defense Court.
Sincerely, Sincerely. Joseph Zernik Zernik Joseph
Joseph Zernik CC : CC: Thrift Thr ift Regulators, Re Regu gula lato tors rs,, RE: RE: Case Case #0507312007 #050 #05073 7312 1200 007 7 Thrift Gretchen Morgenson, Mor Morgen genson son,, New Ne w York York Times Times Business Bu Busi sine ness ss Section Secti Section on Gretchen o f the the Internal In Inte tern rnal al Audi Au ditt Committee Chairman of Audit Angel An gelo o Mozillo, Mozil Mozilio. io. Chairman Ch Chair airman man o the Boar Bo ard d Angelo off the Board COUNTRYWIDE Countrywide Way 40 0 Countrywide Way Wa y 400 Simi Valley, Va Valle lley, y, CA 93065 Simi Fax: 800 80 00 06 5 58 89 3 36 6 4 ((As A Ass pprovided ro ov v i de de d b a rq rq u it it a aand nd confirmed nd isty oon n M a rrcc h 229, 9. 22007} 007} byy M Fax: 658 9364 Marquita confirmed bbyy M Misty March
Managin Man aging g Dire Director ctor Samuels, Senior Sandor E. Senior Managing Chief Legal Lega Legall Officer Of Offic ficer er and and Assistant As Assi sist stan antt Secretary Secr Secret etar ary y Chief COUNTRYWIDE COUNTRYWIDE Countrywide Way 40 0 Countrywide 400 Simi Valley, Va Vall lley ey,, CA 93065 Simi 80 0 658 65 8 9364 9364 (As ( As As p ro ro vid vided ed b aarr qu qu ita ita an n nff ir irmed med b i st y oon nM a r cch h 229, 9, 2007 Fax: 800 provided byy M Marquita andd co confirmed byy M Misty March 2007)
At 0 4:5 4:56 6 PM PM 3 /2 /2 8/2 8/20 0 07 07 , you y ou ou wrote: w ro ro te: te: At 04:56 3/28/2007,
lll
Todd
To To
BoockiAttomey/Legal/CF/CCI BoockiAttomey/LegallCF/CCI
jz 2345@earthl 2345@earthlink ink net net@CWEXTERNAL @CWEXTERNAL [email protected]@CWEXTERNAL
cc Mar Mariela iela Gar Garcia cia/Le /LegaU gaUCF/C CF/CCI@ CI@Cou Country ntrywid wide e Garcia/LegaUCF/CCI@Countrywide
292007 2 712:4 033 29 12:40 PM PM
Subject Re Re: Samaan v Zernik8:l
Mr. Mr. Ze Zerni rnik, k, Zernik, Thank Tha nk you you for for yo you your urr e-ma ee-mail. mail il.. Unfo Un fort rtun unat atel ely, y,, I am un avai aila labl ble e to ha have ve a meet meet an and d co conf nfer er disc di scus ussi sion on w iith th yyo ou ttoday oday. How Ho wever ever,, I am Unfortunately am unav unavailable and confer discussion w with you today. However, am avai av aila labl ble eo n Mo Mond nday ay,, Ap Apri rill 2nd 2nd or Tuesday, April3rd Pl Plea ease se let let me know know some some conv co nven enie ient nt ti time mes s 10 call available on Monday, April Please convenient times call yo you u duri du ring ng ei eith ther er of tthose hos e d ho a ys . I w ill llet e ett yyou ou know wh what at wo work rks s with with my sche sc hedu dule le a nd I w il illl ccall all all you you I1lhel1 thell. during either days. will works schedule and will I again ag ain repe re peat at my requ re ques estt that that you you re refr frai ain n from from contacting cont contac acti ting ng Countrywide Coun Countr tryw ywid ide e employees em empl ploy oyee ees s directly, dire direct ctly ly,, indudin9 again repeat request refrain Ma Mari riel ela aG arcia rcia.. IItt is my unde un ders rsta tand ndin ing g that that you you have have le left ft seve se vera rall vo voic icem emai ails ls for for M s. Garc Ga rcia ia ttoela oellay. ayy.. A sa n Mariel Garcia. underst anding several voicemails Ms. Ms Garcia toe As an employee of Cou Count ntryw rywide ide,, Ms. Ms. Ms. Garcia Ga Garci rcia aisisrepr re repr pr9sented 9sen 9sente ted d by by counsel, co coun unse sel, l, and and she she she will will will not not not c:ommuni:cate c:omm mmu uni:c :ca ate wilh you u Countrywide, with yo you di dire rect ctly ly.. Plea Pl ease se di dire rect ct aa ll co comm mmun unica icatio tions ns to the the com compa pany ny sole so lely ly to me directly. Please direct all communica company solely In Inci cide dent ntal ally ly,, I di did d not not re rece ceiv ive e any fa xes s fr from om you you today, toda today, y, and and I note note that that tthe he fa fax x numb nu mber er you you have have iindicc ndicc llte ted Incidentally, did receive a ny faxe faxes fax number indic lted for your ur e-ma email il iis s ac actu tual ally ly my tele te leph phon one e nnumber. umb umber. er. My ffax ax numb nu mber er is (818) 818) 871-4669. 818) 871871-46 4669 69.. While Wh Whil ile e for me on yo e-mail actually telephone number unders und erstan tand d that that the exh exhib ibits its were mos mostly tly cullHd cu cull llH Hd fro from m doc docume uments nts Coun Co untry trywid wide e pro produ duce ced d to yyou, ou, we d id understand exhibits were mostly documents Countrywide produced did produc pro duce e se seve veral ral hun hundre dred d pa page ges s of docu do cume ment nts, s,, and and it wo woul uld d be help he lpfu full for for us tto o know know exac ex actl tly y to w hle ln produce several hundred pages documents would helpful exactly whlel whl eln docu docume ment nts s yyou ou re ref fer. I lo look ok forw fo rwar ard d to re rece ceiv ivin ing g yo your ur fax fax aand nd tthe he eexhibits. xhibit ib its s. yo refer. look forward receiving exhi bits. Thank you you fo for antic ticipa ipated ted coo cooper perati ation, on, Clnd I loo look k forw fo rwar ard d to spea sp eaki king ng wi with th you yo u earl ea rly y next ne xt weElk forr your an anticipated cooperation, forward speaking with you early next weElk
II o u n t r y w i
e ~
To Todd dd Bo Bopc pck k Bopck stVP VP,, Sr Le Leg gal Coun Co unse sell 1st Legal Counsel In-House use Lit Litiga igation tion Legal Legal CA In-Ho Litigation 818-871-6045 Offi 818-871-6045 Office ce Office 92-585-6045 Inlernal 818-871-4 818-8 71-4669 669 Fax 818-871-4669
Tod Todd d Boock@counl Boock@ counlrvwide rvwide.com .com Todd [email protected]
5220 522 0 Las Vir Virgen genes es Rd 5220 Virgenes Rd Mail Mail Stop: St op: AC-11 Stop: Calabasas, CA 9130:2 CA 9130:2
Todd BoocklAttorney/Legal/CF/CCI BoocklAttorney/Legal/CF/CCI 044 022 2007 2 7 02:46 PM
To [email protected] cc
v Zernik Subject Samaan v.
Zernik, Dr Dr.. Zerni Ze rnik, k, Thank Than Th ank k you you for fo orr speaking sp spea eaki king ng with wi witt h Sandy Sand Sandy y Shatz Shat Shatz z and and and me me earlier earlierr today. earlie tod today. ay. want reiterate First, I wa want nt ttoo re reit iter erat ate e to to you you that, that, as as you you know, kn know ow,, Passover Pass Passov over erbegins begi begins nsat atsundown su sund ndow own nthis th his isevenin evenin J, J, and and and II plan plan to to c celebrate el el e eb b rra a tte e it it w with itith m my y ffamily. am i l y . Y You ou h have a av v e pproposed ro ro p po os se ed m making a ak k in in g aan n ex p parte ap application plica icati tion on to tomo tomorrow morro rrow w mor mornin morning, ning g and I rte appl requested the Jewish reque re quest sted ed that, th that at,, in light ligh lightt of th e Jewish Jew ish holiday ho holi lida day y and and and the th the e preparation pr prep epar arat atio ion nthat tha thattgoes goe goes sinto into intoit,it,you you youwait wait waituntil un unti tillThursc Thursclay lay or Friday Friday fo forr your ex p parte appl application. plic icat atio ion. n. Yo You u Ila Ilave ve not conf co confirmed nfir irme med d whe whethe whether therr or not you will will movE:lthe mo movE vE:l :lth the e heann heanng hearing g rte ap reCi"ived to Thursday or Friday, Frid Fr iday ay,, but but but told to old ld us us that th hat at you you would wo woul uld d send se send nd an an e-mail ee-ma mail il with wi witt h a proposed pr prop opos osed ed stipulation. stip stipul ulat atio ion. n. I reCi ived 6 OUll your proposed prop propos osed ed stipulation st stip ipul ulat atio ion n and and and am am happy happ happy y to to agree agre agree e to to having havi having ng your your motion mot mot ion ion heard hear heard d on on no no less less ess than th han an 6 Ul l days' you mail). will agree wording, 1h}re days da ys'' notice not not iice ce (plus (p (plu lus s 5 days days if y o u ssend en nd d iitt bby ym ai l ). I w ill not no ott a g grr ee ee tto o tthe he eexcess x xc c es es s w or di ding, thounh, th o ou un nh h , and an nd d1 h h}} rre e no me prepare stipulation oday. now w have writing iis sn o ttime i me ffor or or m e tto o prep pr epar are e the th he e stip st ipul ulat atio ion n and and ffile ile it ile it ttoda o day. Bu Butt yo you u no have it iin n wr writ itin ing g thaI thaI haI we will agree court days' which agre ag ree e tto o have have your your motion mot mot ion ion heard hear heard d on at at least leas leastt 16 co cour urtt days da ys'' notice, not not ice ice,, wh whic ich h should shou should ld be be sufficient su suff ffic icie ient nt tto o ttake a ake ke ol olff the ex p parte will again we wi will sanctions against interrupt the rte I w il l a g ga a in in ttell ell yyou ou ou tthat ha att we will ll move move ffor o orr sa sanc nctt ion ions s agai ag ains nstt you you if yo you u fforce or orce ce me tto o int in te err rrup uptt my observance observ ance o off the Jewish Jewi Jewish sh holi ho holi lida days ys and and app appE, appE E,ar ,a arr at your ex p parte application p pp p lili ca ca ttii on on ttomorrow. om mo o rr rr ow ow . A As s Is said ai aid iin n m my y rte a previous previ pre vious ous e-mail, ee-ma mail il,, courts cou court rts s expect exp expect ect counsel co coun unse sell to to change cha change ngehearing he heari aring ngdates dat dates eswhen when whenititinconveniences inco inconv nven enie ienc nces esother ot othe herrcOLl'lsel, COU'lsel, and and tthis h his is co cour court urtt wi will ll not not be be plea pl pleased ease sed d if y you ou refuse re reff u use se to t o do do so, I also also ag agai again ain n point po poin intt out out th the the e nu nume numerous mero rous us de defe defects fects cts in your no noti tice ce,, in inclu cludi ding ng the the lack lack of a ttime im e anel im location. notice, including ancllocation.
under understand dersta stand nd that that the We un
ex
parte ap application plica icati tion on relates rela relate tes s to a motion mo moti tion on to com compe compel pell pr prod production oduct uctio ion n of oth other er docume documents nts p rte appl
pursuan subpoena Countrywide. Today, conce rnin purs pu rsua uant ntt tto o a subp su bpoe oena na served serv served ed on Co Coun untt ryw rywid ide. e. Toda To day, y, we met and conferred con confer ferred red concernin conc co ncer erni nin n J that subpoena, forr oth documents. Accordingly, because still subpoen subp oena, a, and and we are are in the th he e process proc proces ess s of looking fo other er do docu cume ment nts. s. Ac Acco cord rdin ingl gly, y, be beca caus use e we are stil st illl meeti mee meeting ting ng and and conferring conf confer erri ring ng on on these th thes ese e issues, issu issues es,, an any y mo moti motion tion on to compel comp compel el is premature. pr prem emat atur ure. e.
this Second, I repeat re repe peat at what wh what at I have have explained expl explai aine ned d sevmal sevm sevmal al times t ime imes s to t o you, yo you, u, that th hat at II represent repres rep resen entt the the th e company com compan pany y iin n th this is maUer. maU maUer. demand Consequently, we dem demand and that that you you solely so sole lely ly communicate com commun munica icate te to to me me as as to to your your subpoenas subpoe sub poena nas s and an and d the the related relal relaled ed iissues. s ss s ue ues . T To o bb be e cclear, lle ea arr, do not co cont contact ntac actt ot other her Cou Countr Countrywide ntrywi ywide de employees emp employ loyees ees in in general gene genera rall and and Mariela Ma Mari riel ela a Garcia Ga Garci rcia a iin, parti pa CUla learn continued contac Ms Ms. cia Countrywide oyees, p arrtiCU tiC Ullar. arr.. IIff I le lear arn n tthat h hat at yo you u have have co cont ntin inue ued d to t o co cont ntac actt M s. Gar Garc Garcia ia or oth other er Countr Cou ntrywid ywide e empl emp employe loyees, es, we wi will ll move move move for fo orr a protective prot protec ectt ive ive order orde orderr and and and seek se seek ek sanctions sa sanc nctt ion ions s against agai agains nstt you. yo you u. Finally, confirm we have produced documents within possession, custody Fi Fina nall lly, y, tthis h his is is tto o co conf nfir irm m tthat h hat at w eh a av v e pro produ duced ced all all doc docume uments nts with wi thin in our po poss sses essi sion on,, cus custod tody y anel control, subpoena. However we are presently docurn,mts: which which are are responsive re resp spon onsi sive ve to your subp su bpoe oena na.. How Howeve ever, r,, we are pr prese esent ntly ly looking look lookin ing g fo forr two two do docu curn rn,m ,mts ts:: ::,1) ,1) Maria McLaurin McLa McLaurin's urin's 's N Novemb November ovembe err 6 6,, 2 2006 6 let le letter t tter er tto o Vict Vi Victor ctor or Park Pa Parks rks s ---- yo you u alre al already read ady y have th this is lett le lette letter, tter er, r,, but but we we w will ill send s en en d itit 11 yo u again if we lo loca catt e an int in te ern rnal al copy; co copy py;; and and (2) (2) th e Underwriting Underwriting Underw riting Decisi Decision/Con on/Condition dition Lett Le ttel elr you locate internal Decision/Condition Lette ttelr lrr that was prin pr printed intt e ed d on Oct Oc October to obe berr 26, 26, 2004 20 2004, 04,, wh whic which ich h we discL di discussed scLJss Jssed ed during ou ourr conv co conversation. nver ersa sati tion on.. If we ar are e able able tto o loca lo locate catt e t documents, we wi documents, will ll send se send nd them th hem em to to you. you.
l ~ s
Please possible will persist making parte applicatl10ll Ple Please ase let let me know know as so soon on as poss po ssib ible le whether yo you uw ill ill pers pe rsis istt iin n maki ma king ng your t X p rte applicatl10ll am office att 3 3:45 pm, m, hear from then. Thank and ttomorrow o om m or or ro ro w w.. I a m lleaving e ea av viin g my o ffi ce a :4 5 p m, so so I eexpect xp pe e ct ct ttoo h ea arr ffro rom you yo ou u by by tthe hen. n. T h an an k yyou, ou, a nd nd have a Hap Happy py Pa Pass Passover. ssov over er..
Todd T o od d d Boock B oo oo c k 1stVP, st VP, Sr Le Lega Legal gall Counse Cou Counsel nsell
C In-H In-House CA In-Hous ouse e Litigation Lit Litiga igatio tion n Legal Le Lega gall
j
To [email protected]@CWEXTERNAL
oodd
BoocklAttomey/LegaUCF/CCI
cc
04/13/200702:51 PM
Declaration of Custodian of RecordsOJ RecordsDJ Subject Re: Declaration Dr. Zernik, Dr. Zernik, Zer nik, Your Your e-mail ee-ma mail il mischaracterizes mis mischa charac racter terize izes s my my conversation conve conversa rsatio tion n with wi with th you. yo you. u. 'Norcls You ex p rte no notice wanted all orcls all You called call called ed me me this this morning mo morn rnin ing g after af afte terr you you sent sent sent your yo your ur noti tice ce and and ttold old me me that that yyou ou w ante anted d tthe he N the records included in the custodian of record s declarati declaration. on. You said that this would be suffi:; suffi:;i,ent i,ent for the recor records ds inclu included ded the cu custo stodi dian an re reco cord rds de decl clar arat atio ion. n. You said that this wo woul uld d be su suff ffi: i:;i ;i,e ,ent nt for you p rte application. I sa said would take declaration and back you to to withdraw wi with thdr draw aw the the ex saiid d th that at I w ould ould ttak ake a look look at tthe he decl de clar arat atio ion n and an d gE : back ba ck tto o you ;IElt back within you later la late terr today, to toda day, y, but but but you you demanded dema demand nded ed that th that at II ;IElt back to you you wi with thin in an an hour. hour.
of
I called thought would able issue you call called ed you you a short short hort time ti time me later la late terr and and said said thai: I th thou ough ghtt th that at we wo woul uld d be a ble ble tto o rresolve esol esolv ve tthe he issu is sue e een nd you yo u would ttime hour. should know the end end :: woul would d be be satisfied, sa sati tisf sfie ied, d, but but but II needed neede nee ded d a little litt little le ime than than an an h our. I ttold old yyou ou tthat ha ha t I sh shou ould ld kn know ow bby y lJl the you an e-mail, nott say would t he he day. day. When When you you asked as k ke e d m e tto o ssend end y ou a ne -mail, I ddid id not no say that that I wou would ld not. not. I sa said id that that I would rather confirrnation something concrete to sa say Nonetheless, II-nd nd rat rather her not not until un unti till I actually have h ve som some e co conf nfir irrn rnat atio ion n or so some meth thin ing g co concr ncret ete e tto say. y.. No None neth thel eles ess, s, I I-nd planned via ee-mail, eating lunch and just returned to my my offi offio). planne pla nned d to to convey the the status stat status us to to you you vi e-rn rna ail, il, but but wa was s out out eati ea ting ng lunc lu nch h and an d just ju st re retu turn rned ed to of fio) o).. In concrete information. revised the declaration, an be it3Ve that In any any event I now now have have co conc ncre rete te in info form rmat atio ion. n. We have have re revi vise sed d the th e decl de clar arat atio ion, n, aand ndd I belit3Ve resolv es ne w declaration is a attached, attache and hard copy will follow m mail. ail. Please reso resolv lves es the the issue. iss ssue ue.. The The new tt ttac ache hed, d, a nd a h ard copy co py w ill foll fo llow ow iiin n tthe he m a il. P lea lease confirm exp p rte app application calendar. confi con firm rm that that your your ex applica licatio tion n is of offf calend cal endar ar..
On On a related rela relate ted d topic, topic ic,, we ar are e rready ead eady tto o sche sc schedule hedu dule le a ti time me fo forr yyou ou ttto o revi re review vie ew the the orig or original igin inal al lloan oan do docu documents cume ment nts s Pl Plea Please ease se provide pr prov ovid ide e me me with with with several sever l dates date dates s and and and times ti time mes s that th that at you you are are available avai availa labl ble e to to corne cor orne ne in and and re rel/ rel/iew l/ie iew w the th the e docu do documents cume ment nts s Obviously, Ob Obvi viou ousl sly, y, next next next Friday, Frid Friday ay,, April Apri Aprill 20th 20th 20th will wi will ll not not work, wor ork, k, since sinc since e we we w will ill ill be a att Ma Mar Maria ria McLa Mc McLaurin's Laur urin in s depo de deposition posi siti tion on (Wl1licil (Wl1licil you you confirme confir con firmed med d would would be go going ing fo forw forward) forrwar ward). ard) d).. I a am m al also so unav un unavailable avai aila labl ble eo on n Mond Mo Monday, nday ay,, A April Apr pr pril il 1 16th. 6th 6th. Fi Fina nall lly, y, II remind re remi mind nd you you to pl plea ease se di dire rect ct yo your ur co comm mmun unic icat atio ions ns re rega gard rdin ing g the the su subp bpoe oena nas s and and re rela late ted d topi to pics cs Finally, please direct communications regarding subpoenas related topics sole solely ly to to me. me. Your Yo Your ur prior prio priorr th thre reat ats s tto oM s. Garcia Gar Garcia cia we were re co comp mple lete tely ly inap in appr prop oprriate iate.. and and w e ask ask that th at you yo u nol: solely threats Ms. s. completely inappropriate. we that you nol: comm commun unic icat ate wi with th her. her. As As I have have explai exp laine ned d on numero num erous us pr prior ior oc occa casio sions ns,, I re repr pres esen entt Co Coun untry trywi wide de and al commu nicat e with explained numerous occasions, represent Countrywide and all all alll its employees employees in this this matter. ma matte tter. r. of its Thank Than k you. yo you. u. Thank
Dec Custodian Cus Custod todian ian of Records.pdf Reco Record rds_ s_pd pdff Samaan v. Zemik -- Dec
Todd Boock Bo Booc ock k Todd 1st VP, VP, S Srr Legal Lega Legall Counsel Coun Counse sell 1st VP CA In-House InIn-Hou House se Litigation Litigat Litigation ion Legal Legal C 818-871-60 818-8 71-6045 45 Office Office 818-871-6045 92-585-6045 Internal 92-585-6045 818-871-466 818-87 1-4669 9 Fax 818-871-4669
Todd Todd
Booc Boock@co k@countr untrywid ywide.co e.com m [email protected]
Virgen genes es F:cI 5220 Las Vir Virgenes Mail Mail Stop: St Stop op:: AC AC-1 -11 1 AC-11 Calabasas, CA C 91302
Todd BoocklAttomey Legal CF CCI BoocklAttomey/LegallCF/CCI
04116/200701:04 04116/200701 04116/2007 01 :04 PM
[email protected] To jz1234 jz1 2345@e 5@ealt althli hlink. nk.net net cc
Subject Samaan v. lHrnik
Dr. Zernik, Dr. Zernik, I am in receipt over the weekend (one A1Jrii 14 14th two on April April 15th) in rec re cei eip pt of of the the 3 e-mails e-mai -mails ls you you sent sent to to me ov er the th e we week eken end d (o ne on A1Jrii 14th th aand nd two tw o on Ap ril 15th 15 th)) and am aw aware voicemail Mariela Garcia (on April 14th). and I am awar are e of the the voic vo icem emai aill you you le left ft for for Ma Mari riel ela a Garc Ga rcia ia (o (on n Apri Ap rill 14 14th th). ). Your Countrywide. We mceiv mceived ed an and Your e-mails e-ma e-mails ils mischaracterize mi misc scha hara racte cteriz rize ethe the the history hi hist stor ory y of ofthis this thismatter ma matt tter eras as ititrelat'9s relat lat 9s to Co Coun untr tryw ywid ide. e. W e mceiv mc eived ed and d more- than properly prop proper erly ly responded resp respon onde ded d to the the subp su subpoena subpoenas. bpoe oena nas. s. Wher Wh Where ere e yyou ou hh had a ad d addi ad additional diti tion onal al q q u u e e s s t t i i o o n n ~ ~ ; , we we ha have ve b b e e E E ~ ~ n n morethan thE cooperative coop cooper erat ativ ive e with wi with th you you you and and took took took the the appropriate ap appr prop opri riat ate e time time to accu ac accurately cura rate tely ly a and nd com comple completely pletel tely y addre ad address dress ss each ea each ch 1 thE sincE,: yyou issues The arbitrary deadlines especially sincE, are is issu sues es you you ha have ve rraised. aise ised. T he a rbit rb itra rary ry dead de adli line nes s yyou ou have have sset et ar are e u u n n r r e e a a s s o o n n a a b b I I E E ~ ~ , especially ou ar are e of thE thE: of aware awar aware e that that th at I wa was s supposed su supp ppos osed ed to to be o out ut of offic office fice e at aa depo de deposition posit sitio ion n toda to today today. day. y.. My My depos de deposition positio ition n was was canc ca canc cancellee ncell elled elleel, ed,l,, but bu butt yo u did did no nott kn kno ow that that u ntil til ju just st n ow he foll fo llow owin ing g responds resp spo ond nds s to iss issue ues s rais ra ised ed in you yourr com commun munica ication tions s this thi s you know until no now. w.. T The following rre esponds issues raisEd communica:tions this weekend: weekend: Inspe Ins pecti ction on of of Origin Ori ginal al Documents Docume Documents nts Inspection Original I asked aske asked d you you to pr prov ovid ide e me me with with several se sev vera rall dates date ates and and tim ti mes th that at yo you ua re av avai aila labl ble e tto o co come me in in and reviEw. the provide times are available and reviEw. the do docu cume ment nts. s. The The sing si ngle le time time yyou ou pr prov ovid ided ed cloes no nott work work for for uu ss.. Ple Pl ease ase pr prov ovid ide em ew ith seve se vera rall da date tes s documents. single provided us. Please provide me with several dates and ti time mes s, so so th tha at w e ma may y co coor ordi dina nate te with with all parties. and times, that we coordinate
You have have ave requ re ques este ted d to me et w ith ith Ma Mari rie ela Garc Ga rcia ia iin np erso son n. We ddo o no not see e aany ny re rea ason son fOI fOI' this You requested meet with Mariela Garcia person. nott se reason this m m < ; ~ : es espe peci cial ally ly in light light of your ur rece re cent nt thre th reat ats s ag agai ains nstt Ms. arci rcia. W e ha hav ve pr pro ovide vided d yyou ou co copi pies es of th e of yo especially recent threats against Ms. G Garcia. We have provided copies of the the resp re spon onsi sive ve documents do docu cume ment nts s and an and d will wi will ll make make make the the the onginals on ongi gina nals ls available av avai aila labl ble e for for for your your your review. revi re view ew.. responsive
~ 9 9 t t i i nn g ,
Your Continued Contin Continued ued Direct Direct Com Commun munica icatio tion n Wi With th Ms Ms. Garcia Your Communication This is is the the last last last time ti time me I am am going go goin ing g to to ttell ell yyou ou tha th at, as aan n em empl ploy oyee ee of Co untr tryw ywid ide, e, M ar arie iela la Garc Ga rcia ia is This that, employee of Coun Countrywide, Mariela Garcia repr repres esen ente ted d by by counsel co coun unse sell and and and is is not no nott to to be co con ntac tacted ted di dire rec ctly tly by by yyOLi. ou. A s aa re repr pres esen ente ted dp art rty y, sshe he iis s not no represented contacted directly As represented party, nott goin go ing g t o co cont ntac act t y o u di dire rect ctly ly a n d tel te l l y o u tha th a t . I h a v e repe re peat ated edly ly 19xplained to yo you u tha th a t I re repr pres esen ent t going to contact you directly and tell tel you tha that. t. h have ave repeatedly 19xplained to you that I represent Co Coun untr tryw ywid ide e and and all all of its em empl ploy oyee ees s iin n this this ma matt tter er,, aand nd an any y an and d aall ll comm co mmun unic icat atio ion n re rega gard rdin ing g this th is ma matte tterr of its Countrywide employees matter, any and communication regarding this matter be di dire rect cted ed solely sole solely ly to to me. me. is to be directed Your Co Cont ntin inue ued d Ha Hara rass ssme ment nt of Country ntrywide wide in Gen Genera erall of Ms Ms. Garcia Your Continued Harassment Garcia ;and Cou Countrywide General must st de dema mand nd that that that yo your ur ha hara rass ssme ment nt of M s. Garc Ga rcia ia an and d Co Coun untr tryv yv/i /ide de in ge gene nera rall sto st op im imme medi diat atel ely. y. You Yo u I mu demand harassme harassment Ms. Garcia an and Countryv/ide general stop immediately. You have ca calle lled, d, e-m e-maile ailed d and and writte wri tten n us us inn innum umer erab able le tim times es,, ofte of ten n wilh un subst bstan antia tiated ted accu ac cusa satio tions ns of fr frau aud, d, have called, e-mailed written innumerable times, often with unsu unsubstantiated accusations fraud, threa thr eats ts of le lega gal l act action ion agains aga inst t Coun Co untry trywid wide e empl em ploy oyee ees, s, arb arbitr itrar ary y urge ur gent nt dea deadlin dlines es and an d last la st-m -min inut utH H threats of legal agains against Countrywide H Hmploye mployees, es, arbitrary urgent deadli deadlines nes and last-minutH base sele less ss he hear arin ings gs.. You You ha have ve now de dema mand nded ed to meet et wi with th Ms Ga rcia ia pe pers rson onal ally ly,, or ou wi will ll Ms.. Garc notices of ba baseless hearings hearings. demanded to to me meet with with Garcia personally, or yyou will l9ate l su subp bpoe oena na her he r to te test stif ify y . Yo You u ha have ve a lso ls o c al alle led d h e r di dire rect ctly ly a g a in, in , d e sp spit ite e my r e p 9a ted d dem demand ands s tha that t yo you u subpoena he testify. also called her directly aga again, in, despite my rep 9ated demands that you st op doing doin doing g so. so. If you u co cont ntin inue ue to to harass haras arass s us, us, in incl clud udin ing g se serv rvin ing g a subp su bpoe oena na oon nM s. G arc rciia. w ew il illl have have no If yo stop continue including serving subpoena Ms. Garcia, we will choi choice ce but but to move mo move ve for for a protective pr prot otec ectiv tive e order or orde derr and and seek seek sanctions sanc sancti tion ons s ag agai ains nstt you. you. choice against Your Recent Re Rece cent nt Requests Re Requ ques ests ts for Ms Ms. Your
Mclaurin Mclaurin s s Hecords
Yo You u did did not not provide prov provid ide e proper prop proper er notice no noti tice ce to to Ms. Ms. McLaurin McLa McLau urin rin and/or and/ and/or or Nivie Nivie ivie Samaan Sama Samaan an in in your yo your ur subpoenas, su subp bpo oenas enas,, and and we we ob obje ject cted ed to your yo your ur subpoenas subp subpoe oena nas s on on that that that basis. ba basi sis. s. objected
Countrywide·s Subpoena ountrywide·s Subp Subpoena oena Compliance ompl omplia iance nce our cust custodian produced documents responsive As our cu stod odia ian n of of records re reco cord rds s declaration de decl clar arat atio ion n states, stat states es,, we we ha have ve prod pr oduc uced ed aall ll do docu cume ment nts s resp re spon onsi sive ve to to your your subpoenas control, control, subject objections previously subp su bpoe oena nas s within with within in our our possession, po poss sses essi sion on,, custody cust custod ody y an and d cont co ntro rol, l, subj su bjec ectt to to the the ob obje ject ctio ions ns prev pr evio ious usly ly served. serv served ed.. We have complied obligations as the subpoenas. oenas. gesture good faith, ha ve comp co mpli lied ed with with ith our legal le lega gall ob obli liga gati tion ons sa s tto o the th e subp su bpoe oena nas. s. However, Howe Howeve ver, r, aas s a ge gest stur ure e 01 1 go good od fait fa ith, h, we offered do. of offe fere red d to to allow al allo low w you you you to to review re revi view ew the th the e original or orig igin inal al clocuments, cl clo ocu cume men nts, which which hich we we will will ill still still till allow allow allow you you you to to do
Conduct Litigation onduct Please nefarious deElds Pl Pleas ease e immediately imm immedi ediate ately ly cease cease cease your yo your ur repeated re repe peat ated ed accusations accus accusat atio ions ns of of fraud, frau fraud, d, conspiracy co cons nspi pira racy cy an and d other other nef nefar ariou ious s dleElds against colleagues. These accusations are baseless, bas eless, inappropriate, offensive and violation ag agai ains nstt me an and d my coll co llea eagu gues es.. Thes Th ese e ac accu cusa sati tion ons s ar are e ba base sele less ss,, inap in appr prop opri riat ate, e, offe of fens nsiv ive ea nd iin n liio li iola lati tion on 7.12(d), 7.12(d No. 7.12 o Los Los Angeles Ang Angele eles s County Co Coun unty ty Superior Sup Superi erior or Court Court Court Local Loca Locall Rule Ru Rule le No 7. 12(d (d), ), which whic which h requires requ requir ires es that that that counsel co coun unse sell "should sho should uld at all all civil courteous communicating adversaries." versaries." someone representing times tim es be ci civi vill and and cou court rteou eous s iin n co commu mmuni nicat cating ing wi with th adve ad vers rsar arie ies. s. As As someo so meone ne rep repres resent enting ing himsEM in propria bound propri persona person you you ar are e bo boun und d by by these thes these e rules. rul ules es.. Finally, invoice. Fi Fina nall lly, y, please pl plea ease se provide prov provid ide e us us with wi with th the the the $95.95 $9 $95. 5.95 95 set set set forth for forth in in our ou ourr April Apr pril il 12 200 2007 7 invoi invoice. ce. Thank Tha nk you. you.
ounby\Nide Counby\Nide odd ~ o o o
1st VP, Legal Counsel 1st V P, Sr Le Lega gall Co Coun unse sell CA In·House In·Hou In·House se Litigation Li Liti tigat gatio ion n Legal Lega Legall 818-8716045 Office 818-8 818-871-6 71-6045 045 Office 92-58 )·6045 )·6045 Internal 92-58 Interna Internall 818-8714669 818-871-46 818-8 71-4669 69 Fax Todd Tod d [email protected] Boock@coun Boock@countrywid trywide.com e.com
5220 5220 La Las s Virgenes Virgen Virgenes es l'ld l'ld Mail Stop: Mail St Stop op:: ACAC- 11 Calabasas, Calabas Cala basas, as, CA 91302 91302
Subj Su bjec ectt URGE UR GENT NT RESP RE SPON ONSE SE DEMA DE MAND NDED ED B Y WE WEDN DNES ESDA DAY, Y, Subject URGENT RESPONSE DEMANDED BY WEDNES JU JUNE NE 20,200 20,2007, 7, 5 PM 1 DECL DECLfl,R fl,R,l\T ,l\TIONS IONS BY Mi \RIA 20,2007, DECLfl,R,l\TIONS Mi!\RIA MCLA MC LAUR URIN IN,, NO NOVE VEMB MBER ER 2006, 20 2006 06,, MAY MAY 20 2007 07 2 UNSIGNED, MCLAURIN, NOVEMBER UNAUTHENTICATED UNAUTHENT ICATED UI\ UI\<D <DERW ERWRI RITI TING NG LET LETTE TEr;: r;: OF UNDERWRITING LETT LETTEF: EF: OCTO OC TOBE BER R 26 26,, 20 2004 04 3 APPAREN VIO VIOI_f I_fl,T l,TION IONS S OF OCTOBER APPARENTT VIOI_fl,TIONS REGULA REG ULATIO TION N B MENT MENTIONE IONED D IN SA ZEI1Nlf Nlf MA.AN V ZEI1 REGULATION MENTIONED SA.MA.AN ZEI1Nlr(
June 15 15.. 2007
A tttt To Tod d d Boock Att Todd Countrywide
U R GE GE N T: T: R ES SP PON NS SE D E EM M AN AN DE DE D B Y WEDNESDA WEDN ESDAY, Y, JUNE 20, 20, 2007 20 07,, 5:00 5: 00PM PM-· -· URGENT: RESPONSE BY WEDNESDAY, 2007, 5:00PM-· DEMANDED
1 EC L A AR R A n O N S BY MARIA MCLAU MCLAURIN RIN NOVEMBER NOVEMBER 2006 20 06,, M A Y 2007 2007 1)) D DECLARA MCLAURIN, 2006, MAY 2) UNSIG UNSIGNED NED UNAUTHENTICATED UNDERWRITING LETTER O FO C TO TO B ER ER 26, UNSIGNED, OF OCTOBER 2004 33) APPARENT VIOLATIONS OF REGULATION B MENTIONED IN SAM SA M AAN AAN V SAMAAN ZERNIK
M Mrr Boo Bo Book: o k: k: Starting in December December 2006 iitt h y o u aand nd oothers th er s iin n tthe he LLegal eg eg a l D ep paa rrtt me me n ntt of 2006, I communicated w with you Department Countrywide var variou iouss asp aspects ects o f the McLaur aurin, in, Bran Branch ch Manager at various the conduct o f Maria McL McLaurin, C o un un tr try y w iid de H om me e Lo subpoena ena docum documents ents in Loan ans, s, S an an Raf Ra f ael ael W h ho o les lesal alee Bran Br anch ch.. S tu tu dy dy in in g subpo Countrywide Home Loans, Sa San Rafael Wholesale Branch. Studying Samaan v Zer Zerni nik, k, an d d ata ata provided p ro ro vid vided ed b y b ran ranch ch Underwriter Un nd d er er wr wr ite iterr ind in dic icat ated ed that th at M ccLa Lau u rin rin had h ad ad all all Zernik, and data by branch indicated that McLaurin elati ela tio o nsh nship ipss with w iith th some some some loan loan broker(s) b ro ro ker ker(( ss)) with w ith ith the the goal g oal oal o f per perpetr petratin ating g fr frau aud d again against st ongoing rrelationships perpetrating fraud against (here eretof tofor oree indicating indi indicat catin ing g CFC CFC,, Inc, Inc, n y o f its it s aff affili iliate atess an and d sub subdiv divisio isions) ns),, l Countrywide (h lor an (heretofore andlor any its affiliates subdivisions), Federa Fed erally lly back backed ed mortgage lend le nder er.. By est estima imate te o f tthe he Br Bran anch ch S een n io io r U nd nd er er wr wr ite iterr , the the fraud f rau raud d rate rate Federally lender. estimate Branch Senior Underwriter, 1 in that that b ran ranch ch rreached eac each h ed ed aro ar o un un d 2004 90 yy, , where eestimates st im st im aatt eess by by tthe he he F B] p u t ffraud r au d llevels eev v e ls ls at 30-40 branch around FB] put iin n C iifornia f or or ni ni a in in g en en eerr al all.. T he he patt p a tt tt ern er er n aass a w h ho o le le ffitted i tt tte d perfe p e rrff e ctly cctt ly ly w ith w h aatt F BI rreport ep po o r ts ts ddescri eess ccrr ib ibbe e Caaall if Cal genera The whole with hat FBI as a loos lo osel ely y organized wh white ite co colla llarr crime crime networ net works ks harv ha rves estin ting g stunn stu nning ing sums (a (all ll est estima imates tes ar aree loosely collar networks harvesting stunning estimates b el iieved eved tto o be be guesswork aatt b e s t ) in in an an epidemic o f rreal eal es esta tate te aand nd mor mo r tg tg ag ag e ffraud, rrau aud d , ce cen n ter tered ed in bel best) estate mortgage centered Souther Sou Southern thern n Cali Califor California. fornia nia.. Needless tto o sa say say, y , Countrywide iis s the th the e su sub sub-prime b -p -p rim rimee mar ma market rk ket et leader, lea ead der, ce cen centered n ter tered ed in in S o ou u th th eerr n Cali Ca liff o orr nia nia as w ell ell.. F BI con co n sid sider erss the th e ffight ig ig ht ht agai ag ain n st st this this epid ep idem emic ic a n ati atio o nal nal p rio riorr ity ity Southern California well. FBI considers tthe he against epidemic national priority! overall rall picture pic pictur turee emerging ffrom ro ro m the the fi.le total col collap lapse se o f checks an and d balan ba lances ces in Th e ove The collapse balances fi.Je is o f total Countrywide. G ro ro ss ss v io io lat latio ion n s escape esca escap p e all all controls, con con tr tr ols ols,, since si sin n ce ce the the fraud f rau raud d is per perpet petrat rated ed from fr from om above: above: le led d Gross violations perpetrated by the the Bran Br anch ch Manager - an d the disseming Underwriter wa s quashed: Branch and was
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M a n a g e r i a l Controls - the the Senior S en en io io r U n nd d er er wr wr iter, ite iterr , who wh ho o ddid id id nnot ot ot co coo o per perat atee in the fr frau aud d lost Managerial Underwr Underwriter, cooperate fraud" lost her he r jo b instead job IInternal nt e rn a l Audit - adu ad u lte lterr ate ated d llO0 O03 w ith ith n ot ot vvalid ali alid d Rece Re ceip iptt D ate ate,, ad adu u lte lterr aate ted d ffraudu rau raud d ule ulen nt adulterate lO with not Receipt Date, adulterated fraudulent lent Ex Exce cep p tio tion n Req Re q ues uests ts b y Bran Br anch ch M an an ag ag er er Exception Requests by Branch Manager E x t e r n al A u d i t - same External Audit L e g a l Oversight - tthe he he L e g aall Department aappears pp eeaa rrss m pp o re re aas s aan n aaccomplice cccc o om m pl pl ic ic e w it it h w hi hi te te collar Legal Leg Legal more with white crimin cri minals als tha than n pa part rt o f an any y compliance monitoring criminals
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Federal Regulators cover uup Fe de r a l R eg egu la lat or or s - ccomplaint o om m pl pl ai ai nt nt s tto o rregulators eg egul a t ors aare re eeasily a s il il y ddeflected, efl ec t e d, tthrough hr o hr ou u gh gh cover p bby y the Legal Department the Le Lega gall Depa Depart rtme ment nt
Over half a year year
since Legal Department, appears that Countrywide never sinc sincee my first first irst report repo report rt to tthe he L egal gal D eepa part rtme ment nt,, it app appea ears rs that th at Countryw Coun trywide ide never took anything, Legal Department stonewalling, to took ok any any action ac acti tion on in in this this regard. rega regard rd.. I f anyt an ythi hing ng,, the the Le Lega gall De Depa part rtme ment nt wa wass bu busy sy ston st onew ewal alli ling ng,, obfuscating, who sti holding po am not not obfusc obf uscati ating, ng, and defending defend defending ing McLaurin, McLaur McLaurin, in, wh o is sstill tillll h ol di ng tthe he ssame ame pposition os ossition it it io io n aas s bbefore. ef ef o orr ee.. I am aware o f any required Sarbane-Oxley, SEC, Thrift any reporting repo re port rtin ing g you you made made to supervisors, supe superv rvis isor ors, s, as re requ quir ired ed by Sa Sarb rban anee-Ox Oxle ley, y, or to S EC, EC, lhrifl Regulators, Trade Commission, or the Federal Reserve. You refused to anSWt:r any questions in anSWt:r Regu Reisgula lator tors, s,. Trade Trad e d, Commissi Comm on, th e that Feat der dem ral Rese serv rve. e. re refu fuse d torm om any questi que stions ons in this regard. Instead, informed my attempts directly direct Mr Mozillo, Mozillo, Mr th this re rega gard rd. In Inst stea ead, you you ission, info in form rmed ed the me th y Re atte at temp mpts ts tto oYou dire di rect ctly lysed iinform nf nfor hh aa ii ll ~~ mm aa rr o f the attempt communicate the Internal In Inte tern rnal al Audit Audi Auditt Committee, Co Comm mmit itte tee, e, were were were intercepted, inte interc rcep epte ted, d, and and any any at atte temp mptt tto o co comm mmun unic icat atee wi with th anybody would considered "harassment' o f Countr Countrywide, anyb anybod ody y at at Countrywide, Co Coun untr tryw ywid ide, e, but but you, you, w oul ould d bbe e cons co nsid ider ered ed harassment Countrywide ywide,, and would woul wo uld d result result in legal lega legall action. action. A March column winner, Gretchen Morgenson.in NYT, predicted M arc arch h 2007 2007 colu co lumn mn by by Pulitzer P uli ulitz tzer er Prize Prize rize w inne inner, r, G retch ret chen en M org orgen enso son. n.in in the the NYT, predicte pred icted d the the ominous collapse de,, whic wh shee comp compared Enron inherently corrupt collapse o f Countrywi Count Cou ntry rywi wide whiic:h c::h h sh co mpar ared ed tto o En Enro ron n - aan n inhe in here rent ntly ly corru co rrupt pt organizati on.. She collapse Countrywide would be m much slowe train or orga gani niza zati tion She differentiated diff differ eren enti tiat ated ed that that the the coll co llap apse se o f Co Coun untr tryw ywid idee w oul ould d bbe uc uch h slow sl ower err -- aa tr tra ain crash in slow damage American economy slow slow motion, moti motion on,, and and also, also lso, that that the the dama da mage ge inflicted inf inflic licted on the the A m mer eric ican an ec econ onom omy y and and many many many many ma ny families fa fami mili lies es would would ould be be much much uch bigger. bigge gerr. In Meet fraud" since her her Meet and Confer Confer discussions, disc discus ussi sion ons, s, you you denied deni denied ed that that that McLaurin Mc McLa Laur urin in was was involved invo involv lved ed in fr frau aud d since of
scheme related o f a lloan rela late ted dement to mortgage mort moortga geresidence, appr ap prov oval al, and an d er fund fu ndin ing griali oan ffor or tthe he buye bu yer, r, SSamaan, aama maan an.. in the th e aborte abo rted d scheme to funding buyer, the aborted f gage purchaseere purchas agre agreement my resid reapproval siden ence ce, never nev ma mate materialized. teria lize zed. d. Si Simi mila larl rly, y, I was was informed info inform rmed ed by by Thrift Th Thri rift ft Supervisors, Su Supe perv rvis isor ors, s, that that Countrywide Coun Countr tryw ywid idee used used tthe he sa same me argument Similarly, argument to deflec def lectt my compla com plaint int.. deflect complaint.
N e eed d le le ss ss to to say, say, I am a m no no b a n k rregulator, eg egul a t or, b ut ut ddata at at a indicating i ndi c at in g tthat h at at aa WH O L E SA L E BRANCH WHOLESALE BRANCH Needles bank but w ho ho may ma y approve a p pr pr ov ov e up up to to $50,000,000 5 0, 0, 00 00 0, 0, 00 00 0 A [)AY [ ))A A Y in mo mort rtgag gagee inves in vestme tment nts, s, iis s invu in vulv lvec ec M A N A G E R who mortgage investments, invulvec A T T E MPT E D FRAUD, was was wo wort rthy hy o f repo re port rtin ing g and and investigation inve invest stig igat atio ion n as a MATERIAL MA T E RIA L in an ATTEMP TED worthy reporting Moreov Mor eover, er, as detail det ailed ed bel below ow,, THIS CASE PROVlDES EMPL LA ATE DEFICIENCY. Moreover, PRO V l D E S T H E lTllE detailed below, O R ROUTINE ROU UT TIN NE E SCA ER CO O M E CO U N T RYWID SCAM RYWID NCE M TO OVE RC WIDE ES SA APPE PPEA ARA RAN NCE CE O F OR OF F SAFEGUARDS AND AN D CO MPL IA N CE WITH D REGULATIONS (E.G, SAFEGUARDS COMP LIANCE W ITH LAWS LAWS AN (E.G, AND
RE G l l L A T IO N B , and a n d surely sur el el y the t he scam sc am described d es es cr cr ib ib ed ed here he re was wa s not not used used here here for for the the first first time, t ime, REGULATION yo u over A s fully fully clarified cl clar arif ifie ied d to to you over over the the months mont months hs since sinc sincee then then in ma many ny commun com munica icatio tions, ns, Samaan Sam aan's 's loan loa loan As communications. Samaan's appl applic icat atio ion n (1003) (1 (100 003) 3) was was was replete repl replet etee with with with false fal false and and fraudulent frau fraudu dule lent nt data: da data ta:: application its Date D a t e Received R e c e i v e d sstamp ta ta m p was w a s adulterated, adul t er a t e d, bbut ou ccould ou l d nnot ot or wo woul uld d no not ex plai ain n by • it its buutt yyou would nott expl explain w hen hen,, where, w her here, e, why, w hy, hy, and and under unde underr what wh hat at authority au auth thor orit ity y whom, when, • M a n y docume documents in dica cate te that the th e loan loa oan n was was al allo lowe wed d tto o bbe e co cont ntin inuo uous usly ly re revi view ewed ed long lo nger er Many nts indi indicate indicat e that the allowed continuously reviewed longer than permitted pe perm rmit itte ted d by by Regu Re gula lati tion on through ugh manipula mani pulation tion o the Date Date Rece Re ceiv ived ed da data ta,, B. thro than Regulation manipulation off the Received data, Y o u could c o u l d not n o t produce pr o du ce or wo would uld not not prod pr oduc ucee an any y docu do cume ment ntat atio ion n of correc rectt Date Date • You produce documentation cor correct Re Rece ceiv ived ed for for the the loan loan application appl applic icat atio ion n Received J 003 was t he signature s i gn a t ur e on o n tthe he 1003 was n o t tthat h at o f the Brok Broker er,, Victo Vi ctorr Parks Pa Park rkss • the 100 not the Loan Broker, Victor • Samaan stat stated ed iin n deposition depo deposi siti tion on that that the the lloan oan oan brok br oker er ne neve verr ev even en ta talk lked ed w ith ith ht: ht:!" Samaa n stated broker never talked with o n the t he 1003 1003 Parks Pa r ks is is llisted i s te d aas s tthe he ttelephone e l e p h o n e iinterviewer n te rv iewe r • on 100 stat stated ed in in deposition depo deposi siti tion on that that that her her hu husb sban and, d, w ho does does not not hold hold aany ny re rele leva vant nt llicence, ic icen encce, • Samaan stated husband, who relevant and pr prob obab ably ly is is prevented prev preven ente ted d from from ever hold ho ldin ing g an any y suc su ch llicense, ic iceense, nse, w as as the th e one on ew ho ho pr prep epar ared ed and probably holding such was the one who prepared
applications the applic app licati ations ons
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who o a her Samaan, wh att tthe he he time made h e r lliving iv iving o on n tthe h hee P Payroll ayr ol ol l o f a department store as cosmetics saleswoman claimed in loa applications wass the president aand loan n app applica lication tionss that she sh e wa nd nd ssole ol ol e corporation ation Spellbo Spellbound und E owner o f a corpor Enterprise, n te te rp rp rrii se se , Inc, I nc nc, for for at a t least l eeaast 44 year, y eeaa r, r, "vith vith n noo oothec tth h eecc and d with income o $400,000 40 0, 40 0, 0 00 0 0 per pe err year ye ea ar employment, an off
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That cor corpor corporation porati ation on was established es ttabl ablis is h hed ed lless web b page, es s tthan ha ha n a year ear earlie earlier, lier, r, and and according tto o iits ts we engaged in we web b re reta retail taiil ssales ale aless for for consumers o f the ps psych psychic ychic ic an and d the occult - T "The he Super Supernatu Supernatural natural ral Super Superstore Superstore" store - providing Tarot car cards, ds, divi divining divining ning crystal balls.
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o t ~ e
t s
and d anointment oi Is an
Loan oan App oan Applic Application, licati ation, on, pre prepar prepared pared ed b newly ew ew ly ly w wed ed ed h That L by y tthe he n husband u uss b baa nd nd listed l iiss ted his his "vife vife as as an an Unmarried Woman, iin and d re n violatio viol violation ation n o f laws an regu regulations gulm lmio ions ns ffor or a Community Property State.
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A Ass c clearly lle ea arr lly y indicated in nd d iic ca att ed ed in Clues report an duly y as assigned sign signed ed Undelr\vriter, and d conditions set set by th thee dul this application appli applicatio cation n had ha d some o f the the ccardinal ard ardin inaa l ssigns ignss o f ffraud ign rraa u d - discrepancies in employment, in residence, in source o f inc incom income, ome, e, in in source o f funds.
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conditions Regardless o f c o on n d it it iio o ns ns sset e ett b by y U Underwriter, n nd de err w wrr iitt e err , tthe he he a applicant p pp p llii ca ca n ntt would not not divulge Type "Type uf of Business Business"
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Th The e business lice applic applicant ant contradicted con contra tradic dicted ted th the e license nse provided provided by applicant thee statements she sh e made in th accepted by the Underw Underwriter application, and and wa wass not not accepted Und erwrite riterr
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The expl explanati explanation anation on applicant pro provid provided vided ed for discrepancies in
r e s i dd ll ~ ~ n n
e
statement \\-vas vas deemed
unacceptable by Underwriter
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applic applicant licant ant did Telephone numbe Telephone numbers rs pro nott m and d provid provided vided ed by by the app did no match atch atc h llip ip wi with with th other business an residence reside nce information infor informati mation on provided
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the e loan w the e Underwriter, McLaurin filed an Exception When th was as not as no ott approved by th Exception where he rre he e tthe h he e iincome n nc c om om e was w a s increased through a "typo" ty typo po to $4,000,000 4,000,000 a year Request w
•
determinations system In same Excep credit dit determ det ermina inatio tions ns made by your expert S) te tern -- Clues, Exception tion Request Request cre and duly y assigned as sign signed ed Underwriter McLaurin an d th thee dul Underwriter were turned upside down by McLaurin Th The e loan application wa wass mis missing sing the B sing • Broker's rok rokee r s ssignature iign gnaa ttur uree on th thee B Broker's rok rokee r s certification c ert ertif ific icaa ttio ion n in in Underwriting riting Lette Letters rs yo all Underw you u produced Butt on I probably forgot some o f the th e fraudulent d data, a t a , the t h e list list is is ttoo oo llong. ong. Bu one e o f th thee most notab.le notable which features w was as as that t ha ha t McLaurin, Mc cL La au u rrii n, n, through he herr cconduct, o on nd du u ct ct , seemed se ee e me me d tto oe endorse ndo ndors rsee th thee in inva invalid vali lid d 1003. 1003. w hi c hi ch h w was a ass ffor or or tthe h hee wrong loan program (n (no o documentation, > >$1.3m, 1.3m, on a program that that all allows ows no to $150,000), documentation for for only up to 50,000), at a 0.75% lowered in inte interest tere rest st rate. ra rate te.. In In fact fact. it allO\ allO\,\/cd \/cd th the e misrepresent Borrower to mis misrep repres resent ent lack o f funds to c close, los losee , aand nd nd la lac lack c k o f reserves. An And d if i f closed it would
have prov have provided ided the 0,000 00 dis discou discount count nt ffor Borrowe Borrower rowerr over $10,000 torr th th e Bor 0,0 or no no obvious reason (except to thee obvious relationship between app applic applicant, licant ant,, her husban hus husband, band, d, an the e mortgage and d his hi s cousin - aal all ll involved in nv vo oll v vee d iin n th e Bank man manage ager), r), and probably pro probab bably ly justified th iim me a nd nd eft indu industry stry,, and th thee pers pe rsona onall ttime orts o industry, the manager), personal and efforts off the Manager.... Branch Manager .. duly Frazier, tthe h he e d u ull y auth authoriz authorized orized ed Underwriter Under Underwrit writer er refused tto o issue i ssss ue ue aany ny ny credi creditt decision decision pr prio prior iorr to re rec receipt c eeip iptt o f Butt the valid, correct 1003 1003 loan loan application. Bu th e handling o f th this is loan loan demonstrated a simple route ound Unde ound Underwri Underwriting rwritin ting g principles pri princi nciple pless n:q The he app applic applicant licant ant waited, waited waited,, around ssound n:quir n:quired uired ed by Fede Fe Federal deral ral reg regula regulations. ulatio tions ns.. T uninterested she e a and n nd d sseemed e em em e d stra strangely ngely uninte unintereste rested d in addressing the the de defic deficiencies ficien iencie ciess in in he herr application. Instead, sh probably wa was s waiting, as part o f a routine scam, ffor or or tthe h hee lloan oan application tto o b be e suspended forr incompleteness] incompleteness 10 the (10/25/04) fo 0 days after rec recei eipt pt (1 (101 (10114/04). 0114 14/0 /04) 4).. In fa fact fact, ct,, accord iing ng tto o th e du y assigned assig ned Under Underwrite Underwriter, writer, r, th the e application wa was s uniquely inco incomple incomplete mplete te at subm submissi submission, ission, on, probably probably by design ...
Foll Fo llow owin ing g that th at su susp spen ensi sion on,, the the Bank Ba nk Ma Mana nage gerr hhad ad n o prob pr oble lem m usur us urp. p.ng ng tthe hee Un Unde derw rwri riti ting ng Following that suspension, Bank Manager no problem usurp.ng th Underwriting authority o thee du duly ly as assi sign gned ed Underwriter, Unde Underw rwri rite ter, r, bypassing by bypa pass ssin ing g all all secu se curi rity ty and an d Un Unde derw rwri riti ting ng safe sa fegu guard ards, s, o ff th assigned security and Underwriting safeguards, and overturnin overt overturning urning g all all Underwriting Underwri Underwritin ting g Decisio Deci Decisions/Conditions. sions/ ns/Cond Conditi itions ons.. For example, ex exam ampl ple, e, she she fi fil led bot bo th her her Exce Ex cept ptio ion n Report Repo Report rt (10/25/04) and and he herr Ap Appr prai aisa sall Req Reque uest st For filed both Exception Appraisal Request withou houtt obtaining ob obtai tainin ning g ne new, w, valid va vali lid d loan loan application appl applic icat atio ion n 1003 from the appl ican ic ant. t. Ther Th eret et o ore re,, she sh e rhe appl (10/2:5/04) wit without icant. Theref'ore, she the had had no no way way to adjudicate ad adju judi dica cate te the the application, ap appl plic icat atio ion, n, since since ince all all calculations ca calc lcul ulat atio ions ns listed listed ted by by the the applicant appl ap plic ican antt on on the 1003 used used fraudulently fr frau audu dule lent ntly ly lowered lowe lowere red d interest inte intere rest st rate. rate ra te..
Divi visio sion n Underwriting Unde Underw rwri riti ting ng Support, Supp Suppor ort. t. conditioned cond condit itio ione ned d his his appr ap prov oval al (10/ (1l 0/29 2910 104) 4) o n the the fol fo llow lowi ng Gadi, in Di Division approval 0/29/04) on following stipulations: a) that th that at all all informatio inf nfo ormat rmatio ion n provided prov rovide ded d to him him w as ttrue e - bu butt tthe h e aannual nnual iincome. ncome me.. ffictional iction al to stan a) was trru ue he fictio nal stan ouL out. was 1 O-fold incr in crea ease sed, d, AND AND the the credit cred credit it determ det ermin inat atio ions ns presented pres presen ente ted d to him him were were ere oppo op posi site te those thos thosee o o ff was IO-fold increased, determinations opposite CLUE CL UES S and an and d the the Unde Un derw rwri rite ter, r, without wi with thou outt any any di disc scem emab able le foundation foun found datio ation n CLUES Underwriter, discernable b tha thatt al all condit condition ionss stipulated sti stipul pulate ated d by by the th Br Bran anch ch Underwriter Under Underwr writ iter er be en forc rced ed - tthese hes hese cond co ndit itio ions ns we were re b) alll conditions thee Branch be enfo enforced conditions alreac aclly ignored igno ignore red d by by the the the time ti time me the the Exception Exce Except ptio ion n Request Requ Reques estt was was filed. filed ed.. and seemed see med to to be ignored in all and seemed already laterr Und Underwri Unde rwriting ting Letters. Letter Letters. s.. later late erwriting Letters On 10/26/04 McLauri McLa urin, n, for for for no obvious obvio obv ious us reason, reas reason on,, issued is issu sued ed aa false, fals false. e. invalid, inva invali lid, d, unsigned. un unsi sign gned ed.. and and 10126/04 McLaurin, On by Frazier. unauthenticated assigned unaut una uthen henti ticat cated ed Underwriting Unde Underw rwri riti ting ngLetter Le Lett tter erthat that that appeared appe appear ared ed to to be be issued issu issued ed by Fr Fraz azie ier. r. the the du duly ly assi as sign gned ed Underwri Unde rwriter, ter, as if sshe he was was was sti sti in charge o f the the appl ap plic icat atio ion n (where (whe (where re in fact fact Mc McLa Laur urin in had had by then Underwriter, application McLaurin Under Un derwri writi ting ng authorities). autho authori riti ties) es).. The Th Thee Underwriting Unde Underw rwri riti ting ngLetter Lett Letter erstated stat stated ed that that that the the application appl applic icat atio ion n had had bl.:en usurp1ed Underwriting bl :en usurped suspended (where (where in fact by then en McLaurin McLa McLaur urin in had had moved move moved d the the ap appl plic icat atio ion n to the fast ttrack rack - by by th suspended application applyi app lying ng for for Review Review Review Appraisal Appr Apprai aisa sall and and Exception Ex Exce cept ptio ion n Request). Re Requ ques est) t). applying Request )..
court filings fil filin ings gs in November November 2006, Mc McLa Laur urin in provided prov provid ided ed a st stat ateme ement nt oon n Cou Count ntry rywid widee letterhead, lett letter erhe head ad,, court In McLaurin statement Countrywide accompanied by a copy copy o f the the invalid inva invali lid d Unde Un derw rwri riti ting ng Letter Lett Letter er of 10/26/04, in suppol1 o c lai l S by off claims by accompanied Underwriting Samaan Sama an that: that that:: Samaan
su such ch Underwriting Unde Underw rwri riti ting ng Letter Le Lett tter er w as issued issued on on or or around aro ar ound Octo Oc tobe berr 14 14 14.2 .200 004 4 - such was wa October 2004 such Underwriting Unde Underw rwri riti ting ng Letter Le Lett tter er showed show showed ed that that the the Loan Loan was was sus su spen pended on on or or arou ar ound nd Octo Oc tobe berr 14 4 2004 4 - such suspended around October such ad adve vers rsee ac acti tion onss were were initiated in init itia iate ted d ON ONLY ONL LY beca becaus usee o missing initials initia initials lss o se ller er on on Purchase: Purc Purcha hase se off missing off sell - such adverse actions initi ated Y because initial seller Agree Ag reemen ment, t, that that accord accord according ing to legal le lega gall authorities authorities authorities is fully full fully y exec ex ecut uted ed abse ab sent nt su such ch init initia itiall iallls. lss.. give gi ven n the the Agree ment, ing executed absent in given f the of language o executed the fully ful fully execut exe cuted ed Counter Cou Counte nterr Offers. Offe Offers rs..
THESE THE SE CLAIMS, CLAIMS CLAIMS,, FULLY FULL FULLY Y SUPPORTED SUPP SUPPOR ORTE TED D BY BY MCLAURIN, MCLAUR MCL AURIN, IN, WITH WIT WITH APPAREN APPARE APPARENT NTf THESE
ENDO EN DORSE RSEME MENT NT OF OF COUNTRYWIDE COUN COUNTR TRYW YWID IDE E - GIVEN GIVE IVEN EN THE THE THE CONDUCT CO COND NDUC UCT T OF OF T HE LEGAL LEGA GAL L ENDORSEMENT GIV THE
DEPAR DE PARTME TMENT NT - ARE ARE ARE ON THEIR THEIR TH EIR FACE FA FACE CE AN AN ATTEMPT ATTE AT TEMP MPT T TO TO DECEIVE DECE DECEIV IVE E THE TH THE E COURT COUR COURT T AND AN AND D DEPARTMENT DEFR DE FRAU AUD D ZERNIK, ZERN ZERNIK IK,, TO TO THE THE TUNE TUNE OF OF DEFRAUD
1,0 1,000, 00,00 000 00 -- 1,500, 1,5 00,000 000: : 1,000,00 1,00 0,000 1,500,00 1,50 0,000: 0:
A) IN FA FACT CT,, SAMAAN SAMA SAMAAN AN NEVER NEVER NEVER SUBMITTED SUBM SUBMIT ITTE TED D A PURCHASE PURC PURCHA HASE SE AGREEMENT AGRE AGREEME EMENT NT I ~ A) FACT,
JOINT JOINT
ESCR ES CROW OW INSTRUCTIONS IN INST STRUC RUCTI TION ONS S WITH WITH WITH HER HER HER LOAN LOAN LOAN APPLICATION APPL APPLIC ICAT ATIO ION N IN IN THE THE FIRST FI FIRS RST T PLACE, PLAC PLACE, E, AS AS ESCROW
EVID EV IDEN ENT T FROM FROM FROM THE THE THE LOAN LOAN FILE, FILE, AND AND ALSO ALSO AS AS CONFIRMED CON CONFI FIR RMED MED BY BY THE THE TH E DUL DU DULY LY Y EVIDENT ASSIGN ASS IGNED ED UNDERWRlTERUNDERWRITERUNDERWRITER- FRAZlER. FRAZ FRAZIE IER. R. ASSIGNED
B) THEREFORE, THER THEREF EFOR ORE, E, THERE THER THERE E WAS WAS NO WAY WAY FOR FOR ANYBODY AN ANYB YBOD ODY Y AT AT COUNTRYW][DE COUNTR COU NTRYW] YW][DE [DE TO TO B)
AS ASSE SESS SS TH THE E AG AGRE REEM EMEN ENT T UNTIL UNTIL OCTO OC TOBE BER R 22, 22 2004 04,, THAT AFTE TER R ESCR ES CRO\ O\V V W AS ASSESS AGREEMENT OCTOBER 22,, 20 2004, THAT ISIS- AF AFTER ESCRO\V WAS ALREADY ALRE ADY CAN CANCEL CANCELLED. CELLED. LED. C HE F IRST E VER Op yOF THE E AGREEM AGR EEMENT ENT FOlJl\1D COUNTR NTRYWI YWIDE DE S LOAN LO AN C)) T THE FIRST EVER OF TH THE AGREEMENT COUNTRYWIDE'S LOAN COpy FOlJ1\1D IN IN COU FILE., W AS FAXED FAXE FAXED D ON ON OCTOBER OCTOBER OCTO BER 22, 22, 2004, BY SA SAMA MAAN AN HERSE HER SELF, LF, AN AND D W AS WAS SAMAAN HERSELF, AND WAS S TRA. TRA.N NGELY MISS MI SSIN ING G TWO TW O ELEM EL EMEN ENTS TS THAT TH AT W ERE ERE CR CRIT ITIC ICAL AL FOR FO R FULL STRA.NGELY MISSING TWO ELEMENTS THAT WERE CRITICAL FOR FULL EXECUTION OF OF TH THE E AGRE AG REEM EMEN ENT, T, BU BUT TW ERE B OTH THE TH E RESP RE SPON ONSI SIBI BILI LITY TY 01 AGREEMENT, WERE BOTH THE RESPONSIBILITY 01' BUYER SAMAAN: BUYER SAMAA SAMAAN: N: SAMA MAAN AN S SIGNATURE SI SIGN GNAT ATUR URE E WAS WAS MISS MI SSIN ING G ON AGE 88 OF ACJR JREEM EEMEN ENT, T, i SA SAMAAN'S MISSING ON P PAGE OF THE THE AC ACJREEMENT, WHICH IS CRITICAL TO PROD ODUC UCE EAV ALID OFFE OF FER, R, W HIC ICH H W OULD TIIEN TO PR PRODUCE VALID OFFER, WHICH WOULD T H I ~ N BE BE SUBJECT TO TO TH THE E COUN CO UNTE TER R OFFE OF FERS RS.. COUNTER OFFERS. ii SA SAMA MAAN AN S INITIALS INIT INITIA IALS LS WERE WERE ERE MISS MI SSIN ING G ON PARAG RAGRAP RAPH H 88 OF SAMAAN'S MISSING ON PA PARAGRAPH OF COUNTER COUNTER OFFER N O 2, 2, MEANT TO INDI INDICATE CATE ACKNOWLEDG ACKNO WLEDGEMENT EMENT OF <CE NO OF ACCEPTA ACKNOWLEDGEMENT ACCEPTA[['<CE B Y THE TH E BUYE BU YER R-S AMAA MAAN, AN ITH TH AT -- FINA FI NAL L EX EXEC ECU UTI TION ON BY THE BUYER SAMAAN, AND AND DW WITH WIT H THAT THAT FINAL EX EXECUTIO ECUTION N OF OF rHI: 'rIU: AGREEMENT S D) T HE S ECO ECOND, ND, AND AND O NLY O THER Op yOF TH THE E PU PURC RCHA HASE SE AGREE AG REEMEN MENT. T. WA THE SECOND, ONLY OTHER THE PURCHASE AGREEMENT. WAS COpy RECEIVED ON OCT OCTOBER OBER 25 25,, 2004, AN AND D W AS COMPLETE, ALL L INI INITIA TIALS LS Al\fD OCTOBER AND WAS COMPLETE, WITH WITH AL ALL INITIALS Al\ID SIGNATURES T IIS S NO HO SENT i IIT NOT T CLEAR CLE AR W EVID IDEN ENCE CE SUGG SU GGES ESTS TS TH THAT AT A LL L L O O ~ ~ \ \ CLEAR WHO SENT IT. EV EVIDENCE SUGGESTS ALL H ER ER LOAN L O AN AN BROKER, SAMAAN SAM AAN IMPERSONATED IMPERS IMPERSONA ONATED TED HER BROK BR OKER ER,, AN AND D ALL ALL FA FAXE XES S AP APPl Pl:l :l\R \R1N 1NCi Ci FAXES APPE.ARINCi W N FFAX A X MACHINE. AS H IS, IS, AR ARE E IN F ACT F ROM H ER O HIS, FACT FROM HER OWN MACHINE. LOAN ii F O R EXAM EX AMPL PLE E COMP CO MPAR ARIN ING G T H E BROKER KER SIGNATURE SIGNAT URE FOR EXAMPLE - COMPARING THE LOA LOAN N BRO BROKER SIGNATURE APPEARING IN COU COURT RT FILING FIL INGS, S, W COUL ULD D NOT NO T ID IDEN ENTI TIFY FY O NE SING SI NGLE LE FILINGS, COULD NOT IDENTIFY ONE SINGLE WE E CO AUTHEN AUT HENTIC TIC SIGN SIGNATU ATURE RE IN TH THE E WHOL WH OLE E LOAN FO R TH THAT AT MATTE MA TTER R AUTHENTIC SIGNATURE WHOLE LOAN FILE, FILE, OR OR FOR FOR TI-IAT MATTER ON THE ORIGINA ORIG INAL L FRAUDLLENT FRAUDLLENT PRE-QU PRE -QUALI ALIFIC FICATI ATION ON LETTE LET TER. R. ORIGINAL PRE-QUALIFICATION PRE-QUALIFICAT ION LETT LETTER. ER. FA X PRODUCED BY iii AL ALTHO THOUG UGH H THE THE FAX COUNTRYWI RYWIDE DE APPEARS APPE ARS AS BY COUNT AS ALTHOUGH FAX COUNTRYWIDE APPEARS ARRI AR RIVI VING NG FROM FR OM P ARK AR K S Ui\1 OCTOB OC TOBER ER 25 25, , 2004, PARK PA RKS S PR PROV OVID IDED ED A ARRIVING PARKS OCTOBER 25, 2004, PARKS PROVIDED DECLAR DEC LARATI ATION ON UNDE UN DER R PENA PE NALT LTY Y OF PERJUR JURY, Y, THAT AS FAXED DECLARATION UNDER PENALTY OF PER PERJURY, THAT IT WAS FAXED IT W AS RE IMMED1ATEL RECEI CEIVE VED D FROM FR OM ESCR ES CROW OW ON OCTOBER BER 22 22, IMMEDIATEL Y AFTER IT W WAS RECEIVED FROM ESCROW ON OCTO OCTOBER 22,, 2004. IN CO HE STAll: iv) TH DOCUMENT PRODUCED PARKS IN COURT, WHICH STAll:']) THE E DO DOCUM CUMENT ENT PROD PR ODUC UCED ED BY PARKS COUR URT, T, WHIC WH ICH H HE ]) OF PERJURY PERJ PE RJUR URY Y WAS WAS THE THE O NE HE HAD D FAXED UNDE UN DER R PENALTY PENALT PENALTY Y OF HE HA UNDER ONE HAD FAXED TO TO COUNTRYWIDE, W AS MIS MISSING SING ZERNIK ZERNI K S fNirTIALS AND D SIGNATU SIG NATURES RES IN WAS ZERNIK'S INirTlALS AN AND SIGNATURES IN BY CONTRA CON TRAST ST W ITH IT H THE TH E DOCU DO CUME MENT NT PROD PR ODUC UCED ED COUNTRY COU NTRYWID WIDE, E, REPLETE REP LETE CONTRAST CONTRAS T WITH DOCUMENT PRODUCED PRODUCED BY COUNTRYWIDE, REPLETE W ITH ITH ZERNI ZER NIK K S INITlALS INIT INITIA IALS LS AND AND SIGNATURES. SI SIGN GNAT ATUR URES ES.. WITH ZERNIK'S v THIS IS WR WRITE ITER RH AS PERS PE RSON ONAL AL KNOW KN OWLE LEDG DGE E OF HIS DOCU CUME MENT NT -- THE TH E WRITER HAS PERSONAL KNOWLEDGE OF T OF THI THIS S DO DOCUMENT THL v TH Op y DOCUMENT IN COUNTRYWID RYWIDE E S CUSTOD CUS TODY Y TR UE A ND CORR CO RREC ECT T COUNTRYWIDE'S CUSTODY CUSTOD Y IS A TRU TRUE AND CORRECT IN COUNT IS A COpy OF THE DOCU DO CUME MENT NT,, WHIL WH ILE E TH THE E DOCU DO CUME MENT NT PROD PR ODUC UCED ED BY DOCUMENT, WHILE THE THE DOCUMENT PRODUCED LOAN BROI<.ER BROKER BY LOAN PARKS IS THE PROD PR ODUC UCT T OF AD ADUL ULTE TERA RATI TION ON,, RATH RA THER ER T HAN THE TH E OP OPPO POSI SITE TE.. PRODUCT ADULTERATION, RATHER THAN THE OPPOSITE.
E) MARI MA RIA A MCL MCLAU AURIN RIN,, REPR RE PRES ESEN ENTE TED D AS SP SPEA EAKI KING NG FOR COUNTRY COU NTRYWID WIDE, E, MARIA MCLAURIN, REPRESENTED SPEAKING SPEAKI NG FOR COUNTRYWID COUNTRYWIDE, E, THROU THR OUGH GH HER HE HER R DECLARATION DECL DECLAR ARAT ATIO ION N AND AN D LETTER LETTER TO COUR URT, T, A ND THRO TH ROUG UGH H SUPPOR SUP PORT T THROUGH TO CO COURT, AND THROUGH SUPPORT OF FRAU DULENT PRESENTATION PRESEN PRESENTAT TATION ION OF THE UNDERWR ERWRITIN ITING G LETTER, OF THE FRAUDULENT FRAUDULENT THE 10/26/04 UNDERWRITING LETTER, 10/26/04 UND
AND I 0 25 AGREEMENT, ADULTERAT ADULT ERATED ED PURCHASE PURCHASE AGRE AGREEM EM ENT, ENT, FULLY SUPPORTED A ND ND THE TH HE E 1 25 04 4 ADULTERATED SUCH SU C CH H FRAUD FR RA AU UD D AND AN ND D DECEIT.
F) COUNTRYWIDE, T BOOCK, WAS AWARE THROUGH HR O HR OU U GH GH ATT A TT TT B O OO O CK CK , W A S MADE MA AD DE A WARE OF THESE ISSUES AT LEAST THAT COUNTRYWIDE DI DID SINCE L E AS AS T S IN NC C E DECEMBER 2006. IT APPEARS Tl-tAT D NOTHING T TO STOP MCLAURIN FROM CONTINUING ELEVA TING VEL OS T TO OP M C CL LA AU UR RII N F R RO OM C O ON NT TII N NU U IIN N G AND AN ND D E LE LE VA VA T IIN N G TH TH E LE LE V EL MISLEADING OF HER PARTICIPATION THIS FRAUD COURI COURTS. PAR PARTIC TICIPA IPATIO TION N IN T HI S F HI R RA AU UD D THROUGH TH HR ROU UG GH M IIS SL LE E AD AD IIN NG S THE WITH W IT IT H THAT TH HA A T - COUNTRYWIDE AS A CORPORATION, AND TH E LEGAL DEPARTMENT IN PARTICULAR, APPEAR FULL IN PA PART RTIC ICUL ULAR AR,, APPE AP PEAR AR AS A F UL UL L ACCOMPLlCES IN IN PERJURY, PROCURING G OF PERJURY, FR FRAUD, AND CONSPIRACY. PERJURY, PROCURIN PRO PROCUR CURING ING FRAI AIlD lD,, DECEIT, DECEIT, A ND CONSPI CON SPIRAC RACY. Y. The by Zernik Notice Perform, Th e transaction tra transa nsacti ction on was tenninated b y Ze Zer r nik nik following f oll ollo ow win ing gaN o oti tice ce tto o Buyer oP eerr ffo or m m,, and an nd d a \\otice oi oi ti ti ccee u y ~ r tto to Cancel, her Loan Contingency and herr Appraisal Appraisal Calt1cel, when when Samaan Sa m ma a a n failed f ail ailed ed to to remove r emo emov v e both both h er Lo er an Con Co n tin ting g en en cy cy an d he Appr aisal
herr Pu Purchase Agreemen Agreement. med, there Contingency llong ong aafter ft ft er er tthe he he ttime im im e sset eett in he Purc rcha hase se Ag Agree reemen ment. t. Therefore, Ther Therefo efore, re, you you clai claimed, wass n no Countrywide Federal Government, no no need wa o lloss oss tto o Coun Countryw trywide ide or the the F ed ederal eral G o ov v er er nme nmen n t, t, n o ffraud r aau ud pperpetrated, er er p pet etrr aate ted d , and and n o n eed eed [,: r
the the Lega Le Legal gall Department to take tak tak e any any acti ac action. tio o n. n. Department to were rais ra rai raised ised sed ed by by Countrywide Cou Countr ntryw ywide ide in rresponse esp espo o nse nse to co comp complaint mpla lain intt I ffiled iled iled w with ith ith Thrift Thrift Similar Simi lar clai claims ms were
Regu;lators. Regu;l ators. Coun trywi de Bank argued Samaan loa nw would have been had ha Reguilators. Countrywide Ban Ban k arg ar g ued ued that tha that S ama amaan an s loan lo an o ou u ld ld never h av av e b eeee n funded f un un d e d h ad th transa transactio ction n not not been been canceled. can cancel celed. ed. thee transaction
Howt:ver, McLaurin, clarations, pported icant Sama:a Sam a:an att ar Ho Howt wt:v :ver er,, McLa McLaur urin in,, iin n cou court rt de decl clar arat atio ions ns,, su supp ppor orted ted appl appli applican cantt S ama:a ma :an n s claims claims th tha that aree diametrically the nw would have defi nitely bee n app approved funded d h had diametrical diame trically ly the the opposite - tthat ha ha t th lloa oan o ou u ld ld h ave ave ddefinitely ef ef in in ite itely ly bbeen een een ap p rro o ved ved an and d ffunde u nd nded ad ad it it e loan not n ot for f or or Zernik s initials o f seller on the the bo bott bottom ttom om o f Califor California nia Purchase Purchase Agreement and and Joinl Joint Joint Escrow Es Escr cro o w Instructions. IInstruction nst nstrr uct uctio ion n s. s. Th That at - rregardless eg eg ar ar dle dless ss o f the the tru tr true u e facts facts acts in this this mat matter matter: ter:: document presented Countrywide was a) The doc docum um e ent nt p rree ssee nt nt ed ed by by Parks P ar ar k s as as the the oone ne ne ssent een n t tto oC ou ou n ntt ry ry w wii de de w as as a ffraudulent rraa u ud du ull een n t forgery. f o r g er y . Countrywide October Countrywide The doc document u um m e nt ffaxed ax ax ed ed to Cou Co u ntr ntry yw wid idee oon n O cto ctob b er er 25,2004, an and d still st stil illl in Coun Countryw trywide ide ss cust custody, ody, included initials and signatures. inclu inc luded ded all all seller sell seller er ss init in itia ials ls and an d si sign gnatu ature res. s. b) Th Th,e he L Loan oa oan F File i le w was as as rreceived eecc eeii ve ve d y Counll Counlryvvide yvvide :;: only other Purchase Agreement appearing in tthe on October 2004, 22,, 20 2004 04,, and and was missing mis missin sing g critical crit critic ical al Buyer Bu Buye yerr s initials init initia ials ls and an and d sig signa signature. natu ture re.. o n O c ctt ob ob er er 22 c) Prior to October 22,2004, this claimed 12,2004, an c this loan loa loan application app app lic licat atio ion n clai cl aime med d to to be be rreceived eece ceiv ived ed October 12,2004, and d adulterated), adulte rated), never included include d any the probably received much earlier earlie ear lierr (the the the stamps st stam amps ps were were adul ad ulter terate ated) d),, neve ne verr incl in clud uded ed an y copy o f the Pu Purch rchase ase Agree Ag reemen ment. t. There The refo fore re,, Mc McLau Laurin rin or othe ot hers rs at Cou Countr ntrywi ywide de cou could ld never never never adjudicat(; ad adju judi dica catt ; any any Purchase Agreement. Agreement. Therefore, McLaurin others Countrywide initials or sig signatures Definitely, any copy o f signat nature uress prior pr prio iorr to October 22, 2004. Defi De fini nite tely ly,, the the file file ile did did not not incllude incllude any an y copy the Agreement from October 14 14, 2004 2004 to to October 22, 2004 2004., aass cconfirmed th e Purchase Agreement o on n ffii rm rm ed ed by by both both tthe he he Loan File and assigned Underwriter. Lo an F ile ile an d the the du duly ly as assig signe ned d Un Unde derw rwri riter ter.. d) An Broker d Any y B rro o ke ke r o orr Realt Realtor or que questio questioned stioned ned about this this cas casee expr ex expressed pres essed sed amazement aatt the the outland o utl utlan and d ish ish claims brought c l ai ai m s bro brough ughtt in the th e name o f Countrywide. Countrywide. In tthis hi s dday aay y aand nd aage, g e , eeven ve ve n lloan oa oa n aapplications p pp p li li ccaa ti ti on on s aare rree ooften fftt een n u unsign nsi nsig gn ned ed p prior rio riorr to cl clo o osing sin sing g (and and and S Sa Sama am maan aaan n 5, 5, Lo Loan an A Applications p pp p lic licat atio ion n s, s, ffraudul rrau aud d ule ulen ent n t from fr om om A tto o Z, sho\ sholN I ced d t ha ha t surely s ur ur e ly ly d id n ot b eell on on g to her Loan Loan Br Brok okcr cr). ). signatures that did not belong Broker). e Legal al consultan cons ultants ts appear p osi ositi tiv v e that that the the agr ag r eem eemen entt as such such is exe execut cuted ed with wi thol ollt lt the the initials, init initia ials ls.. e) Leg consultants positive agreement executed without Offer, fully executed, stipulate alll pr provisions Agreement given that that the the Counter Of Offe fer, r, fu full lly y execu ex ecuted ted,, st stip ipul ulat atee that that al all prov ovisi ision onss o f the the Agrc Ag rcem emei eill lltt are fully agreed u po po n by by b oth oth p ar ar tie ties. s. upon both parties. he Le Leg g al al Department oth othin ing g to st o p this th is oongoing ng ng oin oing g at atte temp mptt at fraud. Bu wi ide does Butt tthe Legal Department o f Country Countrywiide does nnothing to sto stop this attempt
This time - n o t undercover broad d dayl daylight ight,, in all int ernal al an d daylight, alll intern internal undercover fraud, bu butt fraud in and in broa in full view o f al
exter ex terna nall audit au dit,, reg regula ulator tory y and and su supe pervi rvisio sion n sa safeg feguar uards ds.. external audit, regulatory supervision safeguards. o ott iicc e is is tto o demand tha th a t yyou o ou u p rro ov vid idee , on behalf o f th thee L eeg g aall Department o f Countrywide, This n notice that provide, Legal tthe h hee ffollowing ol ol lo lo w wii ng ng questions qu uee st st io io ns ns related r eell at at ed ed tto o tthe he he First Fi rs t L iiee n L o oaa n A pp pp llii ccaa ttii o on n o f Samaan,. Lien Loan Application Samaan claimed tto o b e rreceived ec ec ei ei ve ve d o n 10 14 04 aand nd nd aass re rep p re re se se nte nted d in: in: be on represented 10/14/04 a) Countrywide s production o f b u s i n e ~ s records o f S am am aaaa n s Loan Lo oaa n files f iille s in in Samaan v Z er er n ik Samaan's Zem a n s w
~ r s ffor o orr
b) Countrywide s res respon responses ponses ses to complaint file file wit with hT Thrift: hrift: Regula Reg Regulators ulator torss iin n early ear early ly 2007 c) Countrywide s re res s po po ns ns eess to a ccomplaint omp ompla lain intt file file w iith th Federal Fed Fed era erall Tr fro o m 22007 00 00 7 ad e C ad om mmiss missio io n fr responses with Trade Commission from d) Coun Countrywid trywide e s custom customary ary busi busines nesss pra practi ctices ces business practices Countrywide repo ports rts to re regul gulat atory ory age agenci ncies es ee) Countrywide s re reports regulatory agencies Ar e y decl declarat aration ion o f M ariaa M ari ccL L aau u rrin in,, signed s iig gn nee d o n Ma 3 3.. 2 0 00 07 7.. an II) Are o ou u a wa wa rre e o f the declaration y 2 d fi you aware Maria McLaurin, on May 23. 2007. and fi led in COLIrt n M a y 25, art o f litiga lit igatio tion n in in Samaan v Zernik? court o 25, 2007, aass ppart litigation on May
22)) D id y this decla de clarat ration ion in in advance o f its it s fil filing ing?? o u ap p prr o v ve e this Did you approve declaration its filing? 3) Ifyoll ith ith this this ddeclaration, eecc la la rraa tio tion n , I demand that imme med d ia ia ttee lly y o b bta tain in a copy c op op y re re not no ott ffamiliar a am m il il iia ar w u im with that yo immediately obtain are you If you a from M n f or m m declar larati ation on at r l e s ar ia ar ia M c cL L au au rrii n, n, a n nd d iinform Country ntrywide wide approve mee - does Cou declaration Maria McLaurin, and Countrywide approve cfthis dec 44)) D id y McLaurin rin s lette let terr o f November 6,2006 its s fil filing ing?? o u ap p prr o v ve e McLau Did you approve McLaurin's letter 6, 2006 ahead o its filing? off it 5) D Novell ellll bel bel 6,2006, 6 6,, 2006, le lett tter er at pre sent? nt? o es es C ou un n tr try y w iid d e approve ap p prr o v ve e o f the Does Countrywide the content o f the Nov November letter at prese present? 6 n M e e t aand n nd d C o on n fe fe r y ou ou indi in dica cate ted d that th at the unsi signe gned, d, una unauth uthen entic ticate ated, d, Underw Und erwrit riting ing Confer indicated that the un unsigned, unauthenticated, Underwriting 6) IIn Meet you
e n t ~
Condition/Decision Letter o f October 26,2004, pro was s produc produced duced ed by McLaurin in he herr court co court urt filing, fi fili ling ng,, wa nnot o ott ppart ar ar t o ff Sam Applicat ication ion File, File File,, an a s not n ot part p a r t o rra Samaan aan s Lo a an n Appl d indeed it n y o f llh h e subpoena Loan Application and was faany the it w
January-Fe ary-Februar bruary y 200 2007: 7: production 6 a nd nd in January-February production in 06 and in August 0 in Janu Does Countr Countrywide ywide consid consider er at pre prese sent nt tha that uns igned ed,, una unauth uthent entica icated ted Underwriting Letter 011 present thatt unsign unsigned, unauthenticated sa v alid p art o Applicat Application ion Underwriting ProCI;:SS n 2004 20 04 1 Samaan Loan Application October 26,2004, aas valid part proc,;:ss iin 2004'1 off Samaan 7) Wh o wa s th e duly assigned Unden.vriter o f Samaan s Loan on October 24,2004 1 Who the 1 October 25, 25, was 26, October October October 20047 October 26, 2004, 27,2004, 28,2004, 29,20047 2004, 8) U n der der w h hich ich cir circu cu m msta stan n ce cess is yb o d yb dy y o th ther er tha th a n tthe h e dduly uly uly aassigned ssss iig g ne ne d Underwriter a l l l o o w w \ \ ~ ~ c c 1 1 to Under circumstances than which is an anybody other is iss su uee aan n Underwriting issue Underwriting Letter? 9) Under which includ luding ing th thee dul duly y assigned Underwriter. allowed to including duly which circumstances is anybody, inc issue an unsigned unsigned Underwriting Underwriting Letter? 10) Does Countrywide aagree gre greee w ith ith the the vvarious aari rio ou uss state statement mentss made by M aria M aria cL cLau au rrin in in he with statements Maria McLaurin herr declarations o f November 2006 aand nd nd M a y 2007 reg regard arding ing the October 26,2004 Underwriting May regarding Letter? 11) u fam famili iliar ar wit with h various vari various ous sta statem tement entss in de decla clara ratio tions ns,, emails ema ils,, an e yo d filings o f Keshavarzi, 11) Ar Are you familiar statements declarations, emails, and Pa Park rkss , aand nd nd M cLau rrin cLau in , w h hich ich o n ttheir he he ir ir face fa ce appear as gros gr osss vi viola olatio tions ns o f R eg eg u ull aatt iio o n B bby y Parks, on gross violations Regulation McLaurin, which Countrywide?
12) o ou u rrcc e in ra ra nc nc h tto o n Rafael Wholesale B 12) Fo Branch Forr example, does Countrywide allow allow a ssource San in Sa v eerr b baa ll ll y notify no ott iiff y a lloan oa oa n broker o f the dis disposi position tion o f loa lo an app applic licati ation ons, s, inclu inc ludin ding g condit con dition ionss for for verbally disposition loan applications, including conditions approval an d action tak taken en , w it ith hou utt any any wri writte tten n notice, no noti tice ce,, an d at times in contra contradicti diction on o f written written contradiction and taken, without and noticc;:s? 13) A iitt h tthe he he ffact aacc t tthat ha ha t S am am aa aa n, n, tthe he he Borrower, directly man rre e y o ou u ffamiliar a am m il il iia ar w manag ag e ed d h er Loan with Samaan, Are you managed her Application Underwriting, im im eess b y ddirect ir ir ec ec t communication w iith th th thee Unde Underwri rwriter ter and others, by with olhers, Underwriting, aatt ttimes Underwriter aand nd nd a tth he err ttimes iim me ess by misrepresenting f:1X communications as coming from h e err L oa oa n B rro ok ke e rr? ? att o other Broker? her Loan 14) D o es C ou un n tr y yw w id e approve o f Borrowers and d n Underwriting Does Countrywide Borrowers managing their ow own Underwriting Underwritin g Brokerage an e Who Wholesal lesale e Branch? Branch? communicating with th the Wholesale
15) herr depo deposition nott e\ e\'cn 15) Are Are you f am am il il iiaa r with w it it h the th hee fact f aacc t that th haa t Samaan stated in he de poss iiti tion on that that sshe he he did did no yo u familiar cn talk with her alone with documents that w w ~ ~ r e presumably presumably Lo oan an Broker, B rok roker er,, let let al alon onee present hi m iin n pperson e rrss o n w iitt h any a n y documents he r Loan present him the 003? t he he basis ba si si s for for the loan application] app applic licati ation on 1003? 100 3? th e loan ]6) herr depo deposition herr hus husband, who is 16) Are Are you f am am il il iiaa r with w it it h the th hee fact f aacc t that th haa t Samaan stated in he depositi sition on that that he hu sb ban and, d, wh who o is yo u familiar her her herr loan one prepared applications? Loan Broker's Broker Broker s cousin, cousin cousin,, was prepar pared ed he loan appl applicat ications ions?? he r Loan wa s the on e who pre 17) Does Does Countrywide itss business practices Borrower's who ap pp p rro ov vee as as part p aarr t o f it business practic pra ctices es o f Borro Borrower wer s spou spouse, se, wh Coun Countryw trywide ide approve o holds no license, holding prepare Borrower's Loan lice licens nse, e, and an d possibly pos pos sib sibly ly is is barred barr barred ed from from ever hold ho ldin ing g a license, li lice cens nse, e, to prep pr epar aree B orro rro v\ v\eer s L o oan an Applications? 18) Aree you data incorporated Samaan's 18) Ar multit multitude ude o f fl'audulent fl audul audulen entt dat a incor in corpor porate ated d in in Samaan yo ou u aware a wa wa rre e o f the multitude s Loan Appl ication Applicat Ap plicatio ion n 1003? 1003? 19) Does Does Countrywide approve o f such such fraudulent applications? fraudul frau dulent ent loan loan appl applica ication tions? s? 20) had in W as as Gadi G ad ad i ever made th haa t the th hee income in ncc om om e presented p rree ssee nt nt eed d to to him, h im im , o f $4,000,000 4,0 4,000, 00,000 000 had ha d nno o bba:,is a:,i , in 20 ) Was made aware aware that reality? reality? 21) determinations appearing on Exce Exception Request. W as as Gadi G ad ad i ever ev ve e r made m a de de aware credit determ det ermina inatio tions ns appear app earing ing on Ex cepti ption on Re Requ ques est. t. 21 ) Was aware that t ha hatt the credit Branch produced without any supporting Underwriting I np np u utt , had ha d no no base ba ssee in reality, realit rea lity, y, and were pro produc duced ed wit withou houtt an any y supporting Branch Input,
Notes?
22) Samaan's application Did McLaurin re repo port rt on Sama Sa maan an s appl ap plic icat atio ion n as demanded by Gadii aftcr 22 ) Did McLaur McL aurii n ever run CLUES report 10/25/04? 23) w a s it it never ppresented pres rree sseented en ntt eed d in in subpoenas? 23 ) [f so, why wh y was 24) allowed loan approval alarm raised any 24 ) Ifnot, how h ow ow was w a s she s he he al allo lowe wed d to to proceed pr proc ocee eed d with with lloa oan appr ap prov oval al without any any al alar arm m rais ra ised ed by an y mechanisms? o f the the internal inte in tern rnal al audit, au audi dit, t, external ex exter ternal nal audit, au audi dit, t, legal, le lega gal, l, managerial, manag manageri erial al,, and regulatory regul regulat atory ory oversight mechanisms ; sati satisf sfy y th thee condit con dition ion originally or orig igin inal ally ly se 25) 25 ) Did Samaan ever satisfy condition sett by Frazier 011 then 11 October 14,2004, then re repe peat ated ed by by Gadi Gadi on o n October O ct ct ob ob e err 29,2004, that Samaan mus vali valid d loan loan loan appl appl ic icat atio ion n ( I 0(3) repeated mustt su submi submit bmitt valid ication 0(3) th e correct interest in inte tere ress t ra rate te aand nd the the correct corr correc ectt calculat calc calcul ulat atio ions ns based bas bas eed d on ssuch u uch ch interest showing the an i n t e r ~ ~ s t rate rate in 11C[ her loan app applic licati ation on 1003? 1003? loan application wh y were no no such s uch uch loan lo loaan applications appl applic icat atio ions ns (1003) (1 (100 003) 3) prod pr oduc uced ed in subpoenas? 26 ) If so, why produced subpoenas? 26) Countryw Coun trywide ide ever provide provid pro videe approval ap appro prova vall Sa Samaan Sam aan s First First Li Lien en Loan Loan Applic App licati ation on 'with wi with thou out t ever 27 ) Did Countrywide 27) maan's Applicati 'without out ever
re rece ceiv ivin ing g aa val vali valid loan appl appl applic icat atio ion n 1003 1003 aass des de s cri cribe bed d in 14) above? receiving ication described idd loan Fi Firs rstt Li Lien en Lo Loan an ever ever unconditionally uncond unconditi itiona onall lly y approved for for fun fundin ding? g? 28 8)) Was W as as Samaan;s S am am a aa an n;; s First 28) funding? Lo oan an Application Applic Applicat atio ion n 1003 1003 be be appr ap prov oved ed if presented today 29 ) Would Samaan's Samaan s Loan 29) approved today for for Underwriting? Underwriting? For ending ending - some simple ones: For ones: W ha ha t was wa ass th thee tr true ue receipt re rece ceip iptt date date o f Samaan Appli cation? n? 30 30)) What Samaan'ss Loan Applicatio Application? an d under what gu ise adul ad ulte tera rate ted d the Date Date Re Rece ceive ived d stamp? 31 ) Who, when, why, and 31) guise adulterated Received 32 ) Did Countywide really conducted conducte ucted d any investigation o f this re real ally ly never never cond this gross gross violat vio lation ion o f 32) violation Regula Reg ulatio tion n B? B? Regulation a re re fully fully aware, a wa wa rree , a fter fftt eerr it it wa o yyou ou numerous times, ou s income 33 3)) You Y ou ou are 33) wass pointed ou outt tto times. that Samaan Samaan's income a:; a:; list isted in in th thee prin pr into tout utss o f Exception Except Exc eption ion Request, Re Requ ques est, t, Branch Branch Branch Input, Inpu Input, t, is a roug ro ugh h adu adulte lterat ration ion.. Th e prlnilout listed printouts rough adulteration. The prll1ilout was covered covere covered d with whiteoul an d a ne w fi figu gure re hand ha ndwr writ itte ten n iin. n, De Deta tail iled ed read readin ing g ol the was whiteout - and whiteout new figure handwri tten Detailed the d d o c c l l l tl m l e ne n t t ~ ~ explained why: McLaurin increased Samaan's Samaan s in inco come me,, fictional fi ficcti tio onal nal to to sstart ttar artt out, out, te tenn-fo fold ld,, to 4,000,000 p eerr y e aarr . ffor or or income, ten-fold. $4,000,000 per year. the file file copy was w a s made m aad d e to to appear in synch with th the th e loan loan appl ap plic icat atio ion n t he Exception Except Exceptii on Request. But Bu t the the synch wi with the application a t 400,000 40 00 0 ,,0 00 00 0 per pe r year. at Di d you investigate who w ho ho made ma ad d e this this adultera adul teration? tion? yo ou u ever e ve ve r investigate Did adulteration? Wa s there any an y rep report ort issued? iss issue ued? d? Was Coun Country trywi wiid idee s practic pra ctices es iin n these the se actions? acti ons? Were there any an y violations o f Countrywiide's practices these actions?
RESPONSE D EM EM DEM
N ND D ED ED BY Y NDED
WEDNESDAY 20,, 2007. ::1:00PM. WEDNESDAY, JUNE 20
Josep Jo seph h Zer Zern n ik Joseph Zernik
ps: ps: It iss F ri ri d daa y aafternoon, ft ft er er no no o on n , aand nd I must nd nd o na p e r s o n a l note. note. IJ wa wass born born inn Je Jeru rusa sale lem. m.,, on Friday must eend on personal Jerusalem., on my Hebr bron onit itee JJewish eewi wiss h fa fam m ily ily descended fr from om Ra Rabb bbii Sc Schne hneers erson on and and Se Seph phar arcl clic ic Mother s side- o f a He Hebronite family Rabbi Schneerson Sephardic combined. mb in mb ined ed . an and d on my Father 's roots co s sid; si sid;:. sid d;:. ;:. :. descendent fr fro from om th thee German Rabbi Akiva o f EgeL J m a ar r ri r i e ed d a descendent o f the th e Luzza Lu zzatto tto fa fami mily ly. . Combined m y cchildren. hil hildr dree n. n. wh who o grew married Luzzatto family. Combined, my grew up inn this this residence. an d m y t ee e e n a ge g e s o n. n . s t i l l l iv i v in i n g h e r e , h o l d a v a as s t t r re e as a s u ur r e Jewish Jew ish fa fami mily ly memories o f and my teen son. still living here, hold vast treasure of family over th thee generations.
Iw a ass d iiss g gu u sstt ed ed aand n nd d ap appal palled led by by your hypo hypocris crisy, y, repr represen esenting ting yourself aas s aan n observant Ol-thodox was disgusted appalled hypocrisy, representing Jew, lll order tto o aavoid voi void d ex parte appearance inn court tto o rep repre rese sent nt your po posi sitio tions ns - su suppo pporti rting ng 1r 1rau aud d represent positions positio supporting 1ra 1raud ud an d deceit. and s si simi mi larl la rly y disguste disg usted d when I recogniz reco gnized ed th at San at Sand d or or S am am u uee llss , tthe he he hea ad o departmen rtment. t. J wa was larly disgusted recognized that Sandor Samuels. head department. off your depa an d an orthodox JJew, ew ew , sserves eerr ve ve s aass tthe he he 22006-7 0 00 06 6-- 7 P re re si si de de nt nt o f th thee B oa oa rd rd o f Beth Tzedek. and President Board Tzedek, a Jewish orga gani nizz ati ation on for fo le gall aaid. id. id. F rraa ud ud pr pre e ve ve nti ntion on.. an particul icular ar real re real al estaile esta taiile fr frau aud d charitable or d inn part organiza forr lega legal Fraud prevention. particular fraud and
pre pr ev vee n nti tion on aare re aadvertised dve dvert rtis isee d aass aa high high prio pr iori rity ty.. An d the Jewis wish h la lawy wyer erss wh o re refu fuse sed d tto o prevention priority. And the Orthodox Je Jewish lawyers who refused represent me iin your dep only made itt more more n tthis hi hi s ccase as as e bbecause eecc au au ssee o f the th e Orthodox Jews Jews inn your depart department artmen mentt on ly made abhorrent. Your dep departm artment ent as managed b y S a mu m u e el l s s. . b a s e d o n your you r cond conduct uct to date da te. . appears department, by Samuels, based on conduct date. dedicated tto o aaiding id in id in g aand nd aabating ba ti ba ti ng ng real real eestate st st aatt e an d mo mor r tg tgag ag e fraud committed by and mortgage by a Countrywide s Branch Manager. Combined o ur ur d ep epar ar ttmen mentt o ve err the the llast ast half year bbears ea ea rs rs ttestimony eess ttii m mo on ny y tto o a Legal L eg aall Combined, the the conduct o f yyour department over Department that dis disreg regard ardss the the rule rule o f the the llaw. aw. aand nd nd ssupports uppor upp orts ts aabuse bus busee o f justice. n .H .Heelh disregards [n printing printing .Heth Tzedek s logo
shallpu llpursue rsue )) inn Beth Tzedek T zedek Tz Tzed edek ek Tirdof Justic tice, e, justice you sha shallpursue Beth Tzedek s Tzedek Tzedek Tirdof ( Jus Justice,
bro brochu chures res,, bearing be bear arin ing g his his po portr rtrai aitt ph phot oto. o. Sam Samu u els els an d yo you u jo in in tly tly mak make e ridicule o f that brochures, portrait photo. Samuels and jointly that thee m iill llee nni nniaa by Jews and commandment. w ho sse ho e w o orr d dss h a av v e been admired over th o n J e \ ~ S alike. have millennia and n non-Jews whose words
I find fi nd th this is part pa rtic icul ulaa rly rly poignant poig poigna nant nt since s inc incee in in 2006 I publ pu blis ishe hed d b y commission a F rc rc::nch trans translati lation on o f find this particularly published by Frc:nch translation Hebro He bron n Stories Stories by Shami J1888-1949) 888-1949 for fo th e C alv alvin inis istt Church o f Swit Switzerl zerland. and. Hebron forr the the Calvinist Switzerland. Switzerlan d. after publishing iitt iin n English inn 2000 tto o rrave av e review bby av y tthe he he L Los os A Angeles n ng g eell eess T Times. iim m es es . T The h hee themes o f th the these e se se sstories. ttor orie iess . I to told ld th thee Fren French ch non non-Jew -Jewish ish re rea a de de rs rs iin n aan n eepilogue. pil pilog ogue ue.. were were th thos osee o f tthe h hee H b rree w P r op opphets h hee ttss - M iicc ah ah an d non-Jewish readers those Heeb Hebrew ebrew Pro Prophets Micah and Amos wh distan tance ce from from He Hebr bron on:: so soci cial al jus justic tice, e, an o lived walking dis d protest o f hyp hypocris ocrisy y thro through ugh distance Hebron: social justice, hypocrisy who and overzealous devout religiosity.
W il illl the please ased dw h thousa thousands nds o f ra rams ms,, or w it ith h te ten n thousa tho usands nds o. o.fr friv iven en;; ofoU Will the LORD be ple with wiitth rams, with ten thousands o.friven; ofoU? Shall I g iv e my firstborn fo iv r my trans tr ansgre gressi ssion, on, the fruit body fo r th thee sin sin my soul so ul? ? give for transgression, transgres sion, fruit o f my body for soul? H e ha hath th sh shew ewed ed tthee, he e , m an n,, w hat iis s ggood; ood; aand n nd dw hat ddoth oth tthe he L he L 1W W require o f thee, He man, what what dot d tto Bu o ddo o just ju stly ly,, an d tto o love love merc me rcy, y, an o w alk hu humb mbly ly w ith tthy hy God? Go d? justly, mercy, and walk humbly with God? Butt tto and
From: jz [email protected] jz12345@eart jz12345@earthlink hlink.net .net Subject: required demand fo declaration Countrywide Subject: URGENT: Timed Timed response re resp spon onse se re requ quir ired ed -- de dema mand nd ffor orr de decl clar arat atio ion n y Countrywide officer. DMD PhD Joseph Joseph Zernik Zerni Zernik k DM D Ph D CA 320 Drive, Beverly Hi lis C Tel: 286-9567 Fax: 32 0 South So Sout uth h Peck Peck Dr Driv ive, e, Beve Be verl rly y Hills A 990212 02 21 12 T el: ((310) 31 0) 0) 228686 86 -9 -99567 56 56 7 FF aax: x: ((801) 80 80 I) 998-0917 998-09 998 -0917 17 Cell: Cell Cell:: (310) (310) 435-9107 435-91 435-9107 07
URGENT! ][S OF THE ESSENC:.E:,! URGENT TIMED RESPON RESPONSE SE REQUIRED! REQUIRED REQUIRED TIME ][S OF TH E ESSENC:.E:, COMAND SENT NT V IA EMAILED TO ANGELO_MOZILO@COllNTRYWIDE [email protected] AND SE SENT VIA CERTIFIED MAIL June Ju un n e 23, 23 3,, 2007 2 00 00 7 Ange An gelo lo Mozilo, Mozi Mozilo lo,, Chairma Chai rman n Mr Angelo Chairman Inte Intern rnal Audit Audit Committee Committ Committee ee Intern Internal al Audit Countrywide* r n i k ~ Samaan s 1 Appl plic icat atio iol1 l1ll #8137375 81 8137 3737 375 5 RE: Samaan v Zernik, Lien Loan 1" Lien Loan Ap Applicatiol1l
D ea ea r Mr M r Mozilo: Dear
appro app roac achi hing ng you as Chairman Chairm Chairman an o f Countrywide Inte Intern rnal al', ', Audit Audi Committe e. I am approaching Countrywide'ss Internal!, Auditt Committee. Committee. demanding actions a cctt ion ionss to to mitigate mit mit iga igatt e harm harm aand n nd d da dama mage gess tto o Zemik Count ntry rywi wide de,, and and tto o damages Zernik by by by Cou rywide, prev prevent ent further fu furt rthe herr fraud fr frau aud d perpetrated pe perp rpet etra rate ted d by by San San Rafael Rafa Rafael el Branch Bran Branch ch Manager Mana Manager ger Maria Ma Mari riaa McLaurin McLa McLaur urin in and and prevent he r associates. her In 2004 2004 2004 Zernik Z ern ernii k listed l ist isteed his his residence re resi side denc ncee in Be Beve verl rly yH i llll s ffor or sal sa le . N iivi viee S ama amaaa n made made aan n In Beverly Hills fo sale. Nivie Samaan offe offer, r, which wh whic ich h was was ev even entu tual ally ly ac acce cept pted ed b y Zemik aatt eerr un unc c ove overe red, d, S ama amaaa n w aass ne neve verr offer, eventually accepted by Zernik. A Ass llater uncovered, Samaan was never qu quaa li li fi fied ed to ed t o purchase pu purc rcha hase se the th hee Property. P rop ropee rrtt y y.. She Sh hee wa cosmet metics ics sal salesw eswoma oman n wh who o frau fr audu dule lent ntly ly qualifi wass a cos cosmetics saleswoman fraudulently represented herself to t o Zernik Z eerr ni ni k as as a realtor r eeaa l t o r who w h o closed cl o oss ed ed several se vera l deals d ea ea l s a year, ye ar, and a nd who wh o fraudule frau dulently ntly represente repre sented d herself in he herr 1003 1003 (Atta (Attachmen chmentt #1) 1) as sole so lely ly de deri rivi ving ng hhe er fraudulently represented (Attachment solely deriv ing her in incom comee as as President Pr Pres esid iden entt o f a Corporation. Co Corp rpor orat atio ion. n. Her Her Prequal Pr Preq equa uall if ific icat atio ion n Lett Le tter er wa wass aa pr prod oduc uctt o of fraud income ificatio ification Letter product fraud an d an an inst instrum rument ent o f Fraudulent Fr Fraud audule ulent nt Inducement Induce Inducemen mentt to obtain obtain Zernik s con consent sent to th the e Pu Purc rcha has, s,ee and instrument the Purchase Agreement. Mari.a McLaurin, McLauri McLaurin, n, Branch Branch Branch Manager, Manage Manager, r, buyer buyer Nivi Ni viee Samaan, Samaa Samaan, n, buyer s hus husba band nd an and d McLaurin Maria Nivie husband fr frie iend nd Jae Arr rree Lloyd L loy loyd d (formerly (f (for orme merl rly y Timothy T imo imott h hy y Lloyd Lloyd Morrow), Mor orro row w), and and his his ccousin ous ousii n aand nd nd bu busi sine ness ss la e Arre s friend business associ ass ociat atee Victor Vi Vict ctor or Park, Pa Park rk,, all al alll operating op oper erat atin ing g in in the th thee field fi fieeld o f rea re al esta es tate te and and mort mo rtga gage ges. s. in init itia iate ted d iin n associate real estate mortgages, initiated 20 2004 04,, several seve severa rall types ty type pess o f fraud, frau fraud, d, all all rdated one o ne ne way w ay ay or anot anothe herr tto o th thee pend pe ndin ing g sal sa le o f my my 2004, another pending sale re resi side denc ncee . McLaur M cL cL aaur uriin i n and and Lloyd L loy loyd dw ere ere most most llikely i ke kely e ly ly w el el l ve vers rsee d iin n mort mo rtga gage ge fr fra aud ud, ut tthis h hii s residence. were lik well versed mortgage fraud, frau d,, b but st st
scheme did did not not w or k o or n sch schedu edule le -- approv app roval al he 1 Lo an #8137375 81 8137 3737 375 5 wa was s o ff tthe Lit:::n Loan fraud scheme work on schedule schedule approval approv al o 1 Lit::n Loan was consi conside dera rabl bly y delayed, dela delaye yed. d. possibly po poss ssib ibly ly because beca becaus usee Lloyd Lloy Lloyd d and and and McLaurin Mc McLa Laur urin in were we were re trying tr tryi ying ng to outdo considerably t he he m mse sell ve ve s this th hii s time t ime ime and and issue iss ssue ue aa fraudulent fraa u fr udu dull eent nt jumbo mortga mor tgage ge,, with wi with th no no doc docume ument ntati ation. on. ££!.lliL .lliL themselves jumbo mortgage, documentation. at reduced re reduc duced ed interest in inte tere rest st ra rate te.. The Th Thee la latt tter er proved prov proved ed more mo diff ffic icul ultt th than an anti an tici cipa pate ted d (Attachment at rate, rate, latter more more re di difficult than anticipated (Attachment
,2, ,2, 3, 4) 4). ,2 , 3, 4). . Following Samaan s fa failure perform, realization, several accounts, that she fail ilur uree tto o pe perf rfor orm, m, an and d tthe he real re aliz izat atio ion, n, on seve se vera rall acco ac coun unts ts,, th that at she sh e was issued Notice Perform, and after Samaan was not not dealing de deal alin ing g honestly, ho hone nest stly ly,, Zemik is issu sued ed Noti No tice ce tto o Perf Pe rfor orm, m, and an d llater, at ater er,, afte af terr Sama Sa maan an refused perform, Cancel re refu fuse sed d to pe perf rfor orm, m, he he issued is issu sued ed Instructions Inst Instru ruct ctio ions ns to Canc Ca ncel el Escrow. Escr Escrow ow.. A year later, in 2005, on Property considerably appreciated, Samaan once ce th thee price pr pric icee o f th thee Pr Prop oper erty ty con consid sidera erably bly appre ap preci ciat ated, ed, Sam Samaan aan filed fi file led d clai cl claims aims ms for for Sp Spec Specific ecif ific ic Pe Perf Perform rfor orma manc ance, nce, e, an and d pl plac placed aced ed llis is pe pend pendens nden enss oon n tthe he Pr Prop Property. oper erty ty.. S Sa SaJn aJJnna nnnaan aaan's n 's s
claims appea red unsustaina ble absurd, butt fals false fallse se and fraudu sta statem temetl claims initially in init itia iall lly y appear app eared ed uns unsust ustai ainab nable le and absu ab surd rd,, but bu fa e an and d fr fra audu udu le lent nt st stat atem emeeetllts tl tllllts ts
in and documents docu documen ments ts (Attachment Attachment 5) 5) brought or supp su supported ppor orte ted d by Mc McLa McLaurin Laur urin in kept kept thl: thl: case case in court co our urtt for for tthe h hee sec se second co ond nd year ye yeaa r now. now. the e dam I demand your he help lp iin n miti mi mitigating tiga gati ting ng th damag damages ages es resulting re resu sult ltin ing g from from unla un unlawful, lawf wful ul,, fraudulent fraudulent miti tiga gate te da dama mage ges, s, and and tto o he help lp iin n stemming stemming the th e conduct o off Maria McLaurin. To To mi mitigate damages, the rra a ud ud a n d deceit perpetrated against Zernik, plea pl ease se person per sonall ally y ens ensu ongoing ffraud and please personally c n S U u l t I ~t ~ ~ l a t t I am provi pr ovide ded d by Friday, June 2 9, 20 2007 07, 5:0 0pm,, a declar dec larati ation on by an a u u t t h h o o r r i i z z l l e e ~ ~ d provided 29, 2007, 07,, 5:00pm 5:00pm, declarat ion Attachment 16 . outlini lining ng relevant relevan relevantt details deta detail ilss shown show shown n below belo below w (Attachment officer of outlining o f Countrywide, out 16).
Sincerely, Sincerely,
Joseph Zemik Countr Cou ntrywi ywide de here here refers re refe fers rs to to CFC, CFC, In Incc and and all all iit ts subs su bsid idia iari ries ess and and aaffiliat ffiliiatc5. atcc5. 5. Countrywide its subsi s ubsi diarie affil E COMPLETE DOCUMENT IN PLEASE SE PLEASE SEE IN ATTACHMENT.
Joseph Zernik, Ze Zerni rnik, k, D MD P MD h hD D <[email protected]> Joseph DMD PhD Aspart effective ive communic comm unicatio ations ns please emaillransm ission As part o f effect communications, please respond respond t requestsfor emaillransmission emaillransmission emaillransmi ssion receipt any. receipt, Joseph Jose ph Zcrn Zcrnik ik,, DtvlD Dtv tvlD lD Ph D <[email protected]> Josep h Zcrnik, PhD effective tive communica communic unicatio ations ns, please respond t reque re questsfor stsfor email transm tra nsmiss ission ion ree re ee/ e/j jj)t, tt, i f As part part o f effec comm unications tions, requestsfor requests for email transmission ree reee/ e/j)
any.
07·0 07·06·24 6·24 Mozilo Mozi Mozilo lo cover cover cover letter lett letter er with wi with th short shor shortt aUac aU achr hrne nets ts pdf pdf 07·06·24 aUachrnets.pdf
Message
From:
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Sent:
06/25/2007
To: T o:
01:51
PM PM
MST MST
s a ~ d o r _ s a m u e l s @ cc oo uu nn tt rr yy ww i d e
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S S u ub bj j e e c c L ~ : URGENT: Timed r e s p o n s e r e q u i r e d - demand f o r a d e c l a r a t i o n b y Countrywide O f f i c e r
a
Jun June Ju n e 25, 25 5,, 2007 2 00 00 7 San dor Samuels Samuels Sandor Chief Le Legal Lega gall Office Off Officer icerr
Countrywide Count rywide URG U R G E NT NT
Tim ed re respo sponse nse required - demand fo forr a de decl clar arat atio ion n by a Countrywide ~ Timed response declaration
O f f H c e r
Dear Mr Mr Sa Samu muel els: s: Dear Samuels: l he Chairman of op y o f a letter op letter I eemailed ma ma il ile d to to Mr M ozilo ozi lo in in his his cap ca p aaci city ty as as [he Below is a ccopy Mozilo capacity
Cou Country ntrywid widee s Internal In Inte tern rnal al Audit Audit Co Comm mmitt ittee. ee. In n th is llett etter er I d eem m an an d some som some im imm media ediate te that that h e Countrywide's Committee. this letter demand immediate he im imme medi diat atel ely y take ta take ke action acti ac tion on to to mitigate mi miti tiga gate te damages da dama mage gess to to me me resulting re resu sult ltin ing g from fro from the tht: cond co nduc uctt o f Maria immediately conduct McLaur McL aurin, in, San San Ra Rafa fael el Countr Cou ntrywi ywide de Home L o aan n s Who Whole lesa sale le Bran Br anch ch Manager. Manage ager. I al als so left left a McLaurin, Rafael Countrywide Loans Wholesale Branch also si sim m iila larr letter le lett tteer for for y ou ou o n Fr Frid iday ay in e of offic fices es o f Be Tzed edek ek,, wher wh eree you you ar aree Pr Pres esid iden entt o f the in th similar you on Friday the offices Bett Tz Tzedek, where President Board o f Directors.
2004 20 04:: Typical Typi Typical cal Straw compou pounde nded d with with rale/fee ra rate te/f /fee ee d l ~ ~ ~ U n t 2004: compounded Straw Buyer mortgage fraud com As we hav ha have ve un unco cove vere d through th thro roug ugh h ssubp su bpoe oena nas, s, in in 20 2004 04 McLaurin McLa McLaur urin in wa was was an an aaccom ccompli compliice pliice ice toO an atl1cmpted at atl,e l,emp mpted ted As e uncove red ubpoenas, ac m ort ortg g aag g e fraud frau raud against ag agai ain n sstt Cou Co un ntr try y wid widee - a g o ov v eern rnm m en en t b aack cked ed m o rtgage rrtg tgag agee lle ender. nderr.. Her Her m ai ain n mortgage frau Countrywide government backed mortgage mo lende main e Arre collab col labora orator tor was la Arre Lloyd Ll Lloy oyd d (forme (fo rmerly rly Timothy Timoth Timothy y Lloyd Ll Lloy oyd d Morrow), Mo Morro rrow), w), veteran vete vetera ran nm Ol1g age proces pro cessor sor lae mOJ gage collaborator (formerly processor (but not not a license lice licens nsee holder). ho hold lder er). ). n 0 00 04 I h aad d no no k n no o wle wled d ge ge o f this th is,, al alth thou ough gh the the fraud fra udul ulen entt mortg mo rtgag agee (but In 2 2004 had knowledge this, although fraudulent mortgage appl applic icat atio ion n was was against agai agains nstt my Beverly Beve Beverl rly y Hills Hill Hillss residence, re resi side denc nce, e, at at that that that time ti time me listed li lisste ted d for for sale. sa sale le.. Initially, Init Initia iall lly, y, no ha harm rm application wa s done do on n e to to me me either. ei eith ther er.. was P h a s t : ~ 1-
ap app p eear arss that th that at neither n eeit ith her McLaurin McL cLau auri rin n nor no orr Lloyd L lo lo y yd d were were were new n eew w at at it. it. Bu thr ough h docu documents ments throug appears Butt as through ob obtai taine ned d from from from Countrywide, Co Coun untr tryw ywid ide, e, McLaurin McLa McLaur urin in and and an d Lloyd Ll Lloy oyd d were were weretrying tr tryi ying ng to to outdo outd outdo o themselves them themse selv lves es in in this this this case. case case.. obtained were no nott satisfied sati sa tisf sfie ied d with with a ty typi pica call Straw Straw Buyer Bu Buye yerr mortgage mortg mortgag agee frau fr aud issuin g loaills for abo about ut loaills for They were typical typ ical fraud d - issu issuing ing It
$1.5m un qualified 1.5m for for for an an entirely en ntt ire irell y unqualified unqu quaa llii fi fi eed d borrower. bo borr rrow owee rr.. The T he he borrower, bo borr rrow owee r, r, Nivie N iivi viee Samaan, S ama amaaa n n,, a d d l l ~ ~ p p a a r r t t m m e e n n t t store n2004 cosmetics cosmetics saleswoman salesw saleswoma oman n was was represented represen re repre presen sente ted ted d in 20 200 04 as as L Lloyd's loy loyd' d'ss ne new newly-wed w lyly-w w ed ed wife, wi ffee, although a lt lt h hou ough gh in in 1003 1003 and and in in Escrow Escrow documents do docc u ume ment ntss she sh shee was wa s listed listed as a s an an Unmarried U nma nmarr rrii eed d Woman, Wo Woma man, n, and and future future Sole S ol ol e Owna Owm:r of the property. Lloy the his prop propee rrtt y. y. Lloyd, Lloyd, d, the th hee husband hu husb sbaa n nd d himself, hims himsee llf, f, was wa s the he one one who wh ho o introduced in ntt rrod oduc ucee d tthis h hii s fraudulent fr fraa u udu dull eent nt marital ma ri rit aall status st staa tus tus s turned out Victor isting. As ou t much mucc h later, mu later, the the person pe pers rson on represented re repr pree ssee nt nt eed d as a s the th hee loan loan broker br brok okee r ((V (Vi i cctt o orr Parks, Pa rks rks,, L 1 o y d ~ ~ Ist 1st cousin cousin cou sin and and business business associate) associate) associate) was wa s out out o f the the loop. lo loop op..
nd wa s to d th Thiss particular Thi particul particular ar mortgage mor mortga tgage ge fraud frau fraud d was to be be aa family fa mil y affair af ffaa i r for for the the new-wed n eew w - we we d wife. wife. An thee Straw St Stra raw w This Buyer e fraud by fraud fra Buyer mortgag mortgag mortgage fraud was to be b e compounded co om m po po un un de de d by fraud ud against a ga ga iin n st st Countrywide Co ou u nt nt rry yw wii d dee per per ssee - by by wa s to obtai ob obtt aaiining ni ng ni ng the t he he Ist Ist lien li een n mortgage mort mortga gage ge aatt 0.75 0.75'% 75''% ' discount discount relative relativ rel relat ative ive e to to prevailing prevailin prevailing g rates rate ratess and and/or /or fees fees..
of f as Unfortuna U nfo nfort rtun unaately, te ly, te ly, as as it it turned tu urn rnee d out, ou outt , the the compound co omp mpou ound nd fraud fr fraaud was w as as not no nott as a s easy e asy asy to t o pul pull pull off a s these th hee se se two tw wo o Th e local pr prof ofes essi sion onal als, s,, McLaurin McLa McLaur urin in and and Lloyd, Lloy Lloyd, d, must must must have have assumed. assu assume med. d. The local branch bran branch ch senior seni senior or underwriter unde underw rwri rite terr professionals loca Diane Diane Dia ne Fraz Fr Frazi azier ier er - repeatedly re repe peat ated edly ly refused re refu fuse sed d to to issue iss is issu sue uee credit cr cred edit it deten de detenninations tennin ninat ation ionss for for 1003 1003 003 mo mort mortgage mortgage rtga gage ge applications appl applic icat atio ions ns major violations violations o f loan lo oaan program pr prog ogra ram m rules. rul rul ees. s. And A nd nd tthe h hee Clue Cl uess Expert E xpe xpert rt System S yst ystee m simila si simi mill aady iss ssu ue d a with major Clues dy issued REFER REFER detennination.
McLaurin McLaurin i,ndeed mdee eed md d ttried ried to to by bypa bypass pass ss tthe h hee llocal ocal unde un underwriter derw rwri ritt er er and and she she issued i sssu sueed a refe re referral ferrral tto o Division Divi visi sion on l i not Underwr Unde Un derw rwrit riting iting ing Support Su Suppo pport rt - Demetrio De Deme metr trio io Gadi Gadi for for an an Exception Exce Except ptio ion n Request. Requ Reques est. t. But Bu t Gadi wou ll lei not go go along a llo o ng ng w iitt h that t ha ha t fraud fr fraaud eeither. it h it he e rr.. Careful Care Carefu full reading re reaa d diing o f his his approval appro approval val communicat commu communica nicatio tion shows that that he in with eith er. ionn shows ne f f l ~ ~ : c t approve di d not n ot ot appr a ny exception e x ce ce p ttii o n at a t all. all. The T h e borr b or or rro ow wee r was w aass to to add a dd dd the the 0.75 0.75'%, 75'%, ' , aass previously p re re v iio o us us lly y did ove any ower 0. deternlined de dett ern ernll ine ined d by by Frazier, Fra razz iieer, and an nd d the t he he borro bo bo borr rrowc: rrow owe wc:r err w was as as required re requ quii re re d to to produce pr prod oduc ucee new, ne new w, valid val val iid d 1003s. 1003 100 003s 3s. s.. Moreover, Mo ore reov ovee r, r, Ga Gadi di reenforced re reen enfo forc rced ed the the authority auth author orit ity y o f the the local lo loca call branch branch underw und erwrit riter er and an d d e t l ~ n n i n e d that th that at the the branch bran branch ch Gadi underwriter manager mu must st abide abid abidee by by all all conditions cond condit itio ions ns and and decisions deci decisi sion onss previously prev previo ious usly ly stipulated st stip ipul ulat ated ed by Diane Di Dian anee Frazier. Fr Fraz azie ier. r. Moreo Mo reove ver, r, he added added new ne w conditions cond condit itio ions ns that that would woul would d make make it teven even more more difficult, di diff ffic icul ult, t, or practically Moreover, impossible im mpo poss ssii bl bl e for for for McLaurin M cL cL aur aurii n to to get get that th haa t fraudulent fr fraaud udul ulee n ntt application ap ppl plii ca ca ti ti o on n funded. funde fund fundeed. d. d. A ne new w Cl Clue Clues uess Report Repo Report rt w was aass to to be be issued i ssss ue ue d prior p ri ri o r to to funding, fu un nd iin ng, and an nd d all a ll d documents oc oc u um m en en ttss had had to to be be reviewed r ev ev iiee we we d by by a branch b ra ra nc h unde u nd nd er erwriter rw r iitt e r prior p rrii o orr to to fu fund ndii ng. ng. In In addition, ad ddi ditt ion ion,, Gadi Ga d dii introduced in ntt rod roduc ucee d an an unusual un unus usua uall condition, co ond ndii ttii o on, n, to to ensure en nsu sure re that th haa t if the th hee loan loan w was a s eever v er er funding. introd uced funded, damage to to Countrywide Count Countryw rywid idee was was contained. co cont ntai aine ned. d. McLaurin McLa McLaur urin in was was instructed in inst stru ruct cted ed to to issue is issu suee a non-delegated non-dele nondelegat gated ed Mortgage Mor Mortga tgage ge Insurance Insura Insurance nceat at cost co cost st to to branch, bran branch ch,, and and and demonstrate de demo mons nstr trat atee aa certificate cert certif ific icat atee in nthe fik fi k prio priorr to to funding. fu fund ndin ing. g. prior
In n fact fact this t hi hi s Exceptio E xc xc eept ptii o on Requ que e st st Approval A ppr pprov ovaa l by by Gadi, G adi adi,, was w as as a sounding soun soundi ding ng vote vo votte o off n o cconfidence onf onfii d dee nc nc e in in the t he n Re Request est no an d professional judgement o f McLaurin. Mc L Laa u ri ri n n.. I had h ad ad no no knowledge k no no w wll e dg dg e o f any o f tthat h haa t in in 2 00 004 , as as integrity and 2004, the seller sell seller er in underl underlyin ying g real real estate estate estate transaction. transa transacti ction. on. But Bu t both both I and an nd d my m y realtor realt rea ltor or \we were gett gettin ing g nthe underlying the ~ re r e getting increasingly alanned by what app appear eared ed as repeated repeat repeated ed instances inst instan ance cess o f dishonest dishonest dealing dealing or wors1e W o f S l ~ an d and increasingly appeared by fa fail ilur uree o f the t he he buyer bu buye yerr to t o perform. pe perf rfor orm. m. I[was also so wa wait itin ing g fo forr buyer buye buyerr to to remove remo remove ve he herr cont co ntin inge genc ncie iess failure was al waiting contin ntingenc genciies iies prior to t o makin m ak ak iin ng a large large deposit d ep ep os os it it on o n my m y next next dwelling. d we we l li li n ng g . But Bu t buyer bu buye yerr fai fa iled le d to to remo re move ve tthe he prior larg failed remove th co ont ntii nge ngenc ncii es, es, and an nd d II subsequently subs subsee q que uent ntll y lost lo ost st the the dwelling dwe dwe llll ing ing that t ha ha t II had ha had d chosen ch hos osee n as a s next ne next xt for for me me and and my y contingencies, fa fami mily ly.. By that that time ti me,, th the ty typi pica call California Cali Califo forn rnia ia real real estate es esta tate te transaction, tr tran ansa sact ctio ion, n, wi with th it itss measured meas me asur ured ed dynamic dynami( family. time, e typical cont contin inge genc ncie ies, s, intended in inte tend nded ed to to equitably eq equi uita tabl bly y distribute di dist stri ribu bute te the th thee risks ri risk skss and and and liabilities, li liab abil ilit itie ies, s, was was turned tu turn rned ed method o f contingencies, upside u ps ps id id e down. do ow w n . It It was w a s cclear llee aarr tthat h at at tthe he buyer b uy uy eerr w would o ul ul d nnot ot ot be aable bl bl e tto o cclose llos osee on sche sc schedule, hedu dull ee,, bu butt if I waikd wait,;:d an y longer, l o ng ng er er , she she could co ou u lld d force forc e me me to to cclose llo o se se at an any y time time in in th thee fu futu ture rega regard rdle less ss o f whether or n ot I any future, re,, regardless not had secured sec sec u ure red d an an alternative a lltt eern rnaa ttii v vee dwelli dwe dwe llll ing ing.. And A nd nd sh shee ccould o oul uld d aalso lso ccancel lso anc ancee l w iitt h hou outt a major lia liabil bility ity had without liabili liability ty to to s in in ce ce she s he he still sti ll had ha d n ot ot rremoved eem mo ov v ed ed her her last la st tw o con contin tingen gencie ciess (Loan (Loan (Loan and and App Apprai raisal sal). ). h e r s e l f ~ since two not contingencies Appraisal).
T Therefo h e re re fo fo re, rree , I iissued s s u ed a N Notice o otti ccee tto oB Buyer uy uy eerr tto oP Perfonn. er er fo fo n nn n . IIn n rresponse, eessp on se, I rreceived eceived a lletter ec lett etteerr ffrom rom bbuyer u ye ye r iin n whic wh ich h she she explicitly expl explic icit itly ly refused re refu fuse sed d to to remove re remo move ve the the last la lasst contingency cont contin inge genc ncy y (Appraisal), (A (App ppra rais isal al), ), without with withou outt any any which ju just stif ific icat atio ion. n. Ind In deed eed, she she al alre read ady y hhad ad in h eerr h aan n d an app ap pra rais isal al that that cam ca m e in aatt ssales al ales es pprice, ri ricce, aand nd h eerr justificati on. Indeed Indeed, already her hand appraisal came her actions in th thi is rega re gard rd appe ap pear ared ed as ye yett an anot othe herr dishonest di dish shon ones estt dealing, de deal alin ing, g, which wh whic ich h in retrospect is surdly this regard appeared another was. wa s. I tthen h een n act ac ted with wi thiin m y ab abso solu lute te rig ri gh t an and d issued issu ssued In Inst stru ruct ctio ion n tto o Can Ca n cel cel E scr cro ow. acted within my absolute right Instruction Cancel Escrow. themselv selves, es,, caused caused rel relati ativel vely y it ittl tlee harm harm tto o se sell ller er co com m pal alre red d tto o Events in 2004, in and o f them themselves thems elves, relatively ittle seller compal mpalred subs su subseque bseq eque uent nt even ev events. ents ts.. Thes Th These esee even ev events ents ts in 2 2004 0 00 0 4 ma m ay ay ap app appear p ear ear to som so some m e aass ssolely olel ely y aan n aattempt tte tem mpt aatt fraud fraud agai ag ains nst Co untr tryw ywid ide, e, fa faci cili lita tate ted d bby y a Co Coun untr tryw ywid idee Bran Br anch ch Manager. Ma Mana nage ger. r. But But in eff effect ect,, the PUJrchase again stt Coun Countrywide, facilitated cilitated Countrywid Branch effect, Agreemen Agre ementt stipulated stip st ipul ulat ated ed th that at buyer buyer shall shal shalllact actdiligently dilige diligentl ntlyyan d in goodf go goodfaUh odfa a h t obt obtain ain designate desig designated nated d Agreement and lloans oans . T her heref efo o rre, e, th thee ffraud raud was was al also so ag agai ain n sstt tthe he se sell ller er.. Se Sell ller er hhad aad d n o con co n ssu um mer er st stan and d in in g, g, and and Therefore, against th seller. Seller no consumer standing, standing for for th that at matt ma tter er n o di dire rect ct re rela lati tion onsh ship ip what wh atso soev ever er with with Coun Co untr tryw ywid ide. e. But But a Coun Co untr tryw ywid idee Branch Bran Branch ch matter no direct relationship whatsoever Countrywide. Countrywide Manage Man agerr with with with no no di disc scer erna nabl blee reason, re reas ason on,, was was trying tr tryi ying ng to hann se sell ller er by en enabl ablin ing g aand nd fa faci cili lita tati ting ng fraud frau fraud d Manager discernable seller enabling facilitating b y buyer buyer against ag again ainst st seller. sell seller er.. by Events in 2 00 00 4 cou co uld n ot h ave ave ta tak k een np llac acee were were it it not no ott for for the the willingness will willin ing gn nes esss o f McL McLaur aurin in to 2004 could not have taken place McLaurin perpetrat perp etratee mortgage mortga mortgage ge fraud fraud in co colla llabor borati ation on with with Lloyd Ll Lloy oyd d and Sam Samaan aan.. t is al also so difi di fiic icul ultt tto o as assu sume me perpetrate collaboration Samaan. difiicult assume that that what what the the unde un derw rwri rite ter, r, Fr Fraz azie ier, r, hersel her self desc scri ribe bed d to to m e was was enti en tire rely ly secr se cret et - a whol wh oles esal alee underwriter, Frazier, herse lff de described me eentirely ntirely secret wholesale branch bra nch whe:re whe:re frau fr aud d was pe rvas asiv ivee and un derway way on a da dail ily y ba basi sis, s, inte in ten nse pres pr essu sure re was was appl ap plie ied d branch fraud was perv pervasive and under underway daily basis, intense pressure applied on the the legitimate le legi giti tima mate te un unde derw rwri rite ters rs to to coll co llud ude, e, tota to tall di disr sreg egar ard d for for laws laws and and regulations re regu gula lati tion onss wa wass abun ab unda dant nt,, underwriters collude, total disregard abundant, an d th thee or orga gani niza zati tion onal al stru st ruct ctur ures es and and pr proc oced edur ures es th that at were were put put in place in Coun Countrywi trywide de tto o and organizational structures procedures Countrywide im imp implem p lem lemen entt m mandatory and andat ato o rry y safe sa safeguar feg gu uar ard d dss an and d co com comply m ply ply with with tthe he llaw law, aw, app ap aappeared ppeared pea eare red d aall alll ggone. gon one. IIn n t ~ l c t cardiI1 analysis o f G ad adii's ac acti tio on s su sug gg ges ests ts th that at h e was was aw awar aree at at least least o f some o f it. Gadi's actions suggests he aware Phase I I 2 00 5 - pr pres esen ent: t: Fraudu Fraudulent lent Lis Pendens Squeeze Squeeze 20 2005 05 present: y latl; wass cl clea earr th that at rreal eal esta estate te values va valu lues es in Beve Beverly rly Hi Hill llss had had appreci app reciate ated d substantially substa substanti ntiall ally y By lah 2005 it wa clear rea Hills appreciated from from 2004, 20 2004 04,, against agai agains nstt aall expe expert rts' s' predicti pr pred edic icti tion ons. s. Th Thee fraud frau fraud d then then en ente tere red d Ph Phas asee III. Sa Sama maan an filed fi file led d daims alll experts' entered Phase III. Samaan for spe:cif spe:ci cifi fic c perfonnance, perfonn ance, based on th thee failed fai aile led d tr tran ansa sact ctio ion n in in Phase Phas Phasee I o f this this fraud, frau fraud, d, and and and she sh shee pllaced pllaced spe: cific ic perf onnanc e, based transaction
llis is pe pend nden enss against agai agains nstt the the title ti titl tlee o f th thee proper pro perty. ty. pendens property. Th This is type type 0 f frau fr aud d is al also so w ell kknown. n no o wn wn . T he he oowner wn wn eerr is is left left iinstantly nsstantly ta tan ntly with wi tho ou utt any any ;Ontrol own n fraud well The in withou without wntrol o f h is ow property, or h his is ow own n fi fina finances nanc nces es fo forr th that at matter, matt matter er,, or h his is oown wn wn ti tim time me o f d day. a y. O Owner w wn n e r is n not ot able able tto o se sell sell, ll,, not eVl n tto o eenter n ntte r a long long tenn le leas ase, e, an and d surely sure surely ly n o ott even even to refinance re refi fin nance ance at a time ti tim me o f con concer cerns ns over lease, not concerns swing swi ngin ing g in inte tere rest st ra rate s. More Mo reov over er,, th thee li liti tiga gati tion on,, beyo be yond nd the the ag aggr grav avat atio ion, n, hhas aass be beco come me interest rates. rattes. es. Moreover, litigation, beyond aggravation, become ex exce exceedi ceed edin ing ngly g ly ly costly. costl tly y. At p present, re rese sen nt, th this is ca case se appears ap app p eear arss as o one ne ne that that can can b bring brin ring tth this hiiss o owner w wn n eerr tto o b bankruptcy aan nk kru rup ptc tcy y aand n nd d ruin, ruin, in in a case case tthat hat is wha whatt Bet Bet Tz Tzed edek ek's 's mission mi miss ssio ion n to to prevent. pr prev even ent. t. Tzedek's
StranJ t r a n ~ e e Bedfel Bed Bedfellows fellow lowss Th Thee curre cu rrent nt si situ tuat atio ion n put th thee owne ow ner, r, buyer, buye buyer, r, an and Co untr tryw ywid idee iin n uunanti naantiicip ntiiicipated cipat ipate ed posi po siti tion ons: s: On Onee curr ent situation owner, d Coun Countryw un ated positions: would wou ld have have th thou thought thoug ough ght htt th that at Coun Co Countrywide, untr tryw ywid ide, e, as ta targ targeted rget eted ed victim vi vict ctim im o f the the Phas Ph Phase asee I com compo compound poun und d frau fr fraud aud d wou would ld ta take ke acti ac tion on agai ag ains nstt aa ru runa nawa way y Br Bran anch ch Manag Ma nager er an d ta tak k e a fi fin n n position posi siti tio on against agai again n sstt the th e action against runaway Branch Manager and take finn borrower/buyer. borrower/buyer. In fact fact th thee op oppo opposite posi site te is th thee tr tru truth truth. uth th.. Atto At Attorneys torn rney eyss for fo r th thee L Legal eg egal Dep De Department p aart rtm m en en t cl clea clearly earl rly y sho sh show ow n no o i n t e I i ~ s t in the the fact fact th that at a Bran Br anch ch M an an aag g eerr at atte tem m pte pted d frau fr aud d ag agai ain n sstt tthe he bbank. ank ank . IIn n ffact aact ct at atto torn rney eyss for for the the L egal egal Branch Manager attempte fraud against attorneys Legal Depart Dep artme ment nt have ha have ve been be been en trying tr tryi ying ng to cover it up b y pr prod oduc ucin ing gp arti ar tial al re resp spon onse sess tto o su subp bpoe oena nas, s, an and d at Department by producing partial responses subpoenas,
times making deli deliberately representations. delibera berately tely fal false se repr represent esentatio ations. ns. The buyer.. who fo NSF, now spent spent T he he b uyer.. w h o iin n 22004 00 00 4 hhad ad ad a ccheck h hee cck k ffor or $15,000 1 5, 5, 0 00 00 ddeposit ep ep os os it it bbounce ou ou nc nce ttwi w i cce e ffor orr N SF SF , hhas as no by close And strangely enough, attorneys the buyer b y some some estimates es esti tima mate tess clos cl osee tto o $200,000 200, 200,00 000 0 oon n llegal egal ffees. ees . A nd stra st rang ngel ely y en enou ough gh,, at atto torn rney eyss ffor or the th e buye bu yerr seem par seem partic particularly ticula ularly rly inte in interested teres reste ted d inn prot pr protecting otec ecti ting ng the the Br Bran Branch anch ch M Manager, aana nage ger, r, who who is is nnot ot ev eve even en thei th their eirr cl clie client. ient nt.. [n [n documents, return, retu re turn rn,, th thee Br Bran Branch anch ch Manager sup suppli supplied plied ed buye buyerr with with frau fr fraudulent audul dulen entt cl clai claims, aims ms,, fr frau fraudulent audul dulen entt bank bank documen doc uments, ts, and and make make statements state stateme ments nts and and decl de declarations clar arat atio ions ns inn cou court rt that that fon fonn n the the fo foun foundation unda dati tion on ooff thi this this s malici mal malicious icious ous
prosecution. Be Bein ing g a re rela lati tive vely ly sen senio iorr ma mana nage ger, r, iden id enti tify fyin ing g herse he rself lf aas s aa Bran Br anch ch Mana Ma nage ger, r, aand nd submi sub mitt ttin ing g Being relatively senior manager, identifying herself Branch Manager, submitting pa pape pers rs on Countr Cou ntrywi ywide de lett le tter erhe head ad,, Mar Maria ia McLa Mc Laur urin in iis s cl clea earl rly y pe perc rcei eive ved d inn cou court rt aas s represe rep resenti nting ng papers Countrywide letterhead, McLaurin clearly perceived court representing Coun Co untr tryw ywid idee aass aa w hol hole. e. Countrywide whole. T he he d am amag ag e ca caus used ed to to seller sell seller er b y thi th is ma mali lici ciou ouss and and iillegal lle llegal co cond nduc uctt ooff Mc McLa Laur urin in iiss enonno eno nnous, us, an d caused by this malicious conduct McLaurin The damage enonnous, and
iiss comp co mpou ound nded ed b y tthe he day. day. compounded by
D em an em an d for fo orr IImmediate m mm med dii a te te Action: Demand Action:
I ssent en ent an em emai aill tto o Mr Mo Mozi zilo lo earl ea rlie ier, r, in in his his capa ca paci city ty as Chainnan th e In Inte tern rnal al Audi Au ditt email Audit Mozilo earlier, capacity Chainnan o off the the [nternal Committ Comm ittee, ee, an and d I also also lleft eft yy ou a simi simila larr lletter etter llast a st w eek eek at Be Bett Tz Tzed edek ek,, mark ma rked ed U rrge gent nt , aand nd Committee, you Tzedek, marked Urgent week Personal Pers o on na l . In In the t h e letter l e t t er to to yo you II indicated i n di di c aatt ed that that I h ad aapproached ppr o oaa c he d R ab b i S hu st st e rrm ma n , Av Av B eett D in you had Rabbi Shusterman, Bet Din Angeles, o f Lo Loss A principle host infonnal meeting. nge ngele les, s, aand nd he agreed agre agreed ed in in prin pr inci cipl plee to to ho st an info in fonn nnal al meet me etin ing. g.
G iive ven n your your your posi po siti tion on iin n B et Tz Tzed edek ek,, inn Ada Adatt Arie Ar iel, l, iin n the th e Zi Zieg egle lerr Sc Scho hool ol ooff Rabbimcal St ucll llie ies, s,, Given position Bet Tzedek, Ariel, the Ziegler School Rabb inical ini cal Stuc Stu Stucll cllies ies, an d statements yo u make nb eh eh al al f o f Be Bet Tz edek ek,, and and tthe he llittle ittlle e tthat hat hat I kn know ow abou ab outt your you r your and you make o on behalf Bett Tzed Tzedek, litt about educ ed ucat atio ion, n, [I cannot can not be beli liev evee that that ha had d yo u kno known wn any any o f tthis, his, yyou ou w ou ou ld ld hhave av av e llet et iitt sstand ta tan d oone ne ne m or or e education, believe you known would more cannot minute. IIn n tthe he lletter e tttt er tto oM o zi zi l o, o, as as an immedi immediate ate rel relief ief,, 1I req reques ueste ted d that tha auth thori orize zed d Office Off icerr o[thl: Mozilo, immediate an au Officer relief, requested thatt an authorized o f the Corpora Corp oration tion make st atem emen ents ts in in a decl de clar arat atio ion n that that wo woul uld d be subm su bmit itte ted d inn ccourt. o ou u rrtt . T h es es e o stat Corporation make tw two statements declaration would submitted These st stat atem emen ents ts,, whic wh ich h II am conf confide ident nt are are true tr ue,, contra con tradic dictt fr frau audul dulen entt sta statem temen ents ts and an d assert ass ertion ionss which confident statements, true, contradict fraudulent statements and assertions repeatedly made by M aari riaa McLaurin M cLa cLaur urin in and and her he asso soci ciat ates es iin n cour co urtt sinc si ncee N ove ovemb mber er 2006 20 06.. Th Thes esee by Maria herr as associates court since 2006. November These assertion fonn th the e co core re o f the litiga lit igatio tion. n. If he true tr ue ffacts actts s iin n tthi hiss matt ma tter err aare re cl clea earl rly y ar arti ticu cula late ted d by the core I f tthe by litigation. true fac this matte clearly articulated Countryw Coun trywide ide,, and Mari riaa McLa Mc Lauri urin n iis s ba barr rred ed from from an any y fu furt rthe herr misr mi sre' e'pr pres esen enta tati tion on an and d fr frau aud d n Countrywide, and if Ma Maria McLaurin barred any further misre'presentation and fraud appears over. court, representing Countrywide, would cour court, t, where where she she appea app ears rs as repr re pres esen enti ting ng Count Cou ntry rywi wide de,, this this litigation liti litiga gati tion on wo woul uld d bbe e over. ove r.
llook forw rwar ard d to to hear he arin ing g from from you. you. TIME IIS SO F TH E ESSENCE. I look fo forward hearing OF ESSENCE. THE
Joseph Joseph Zernik Ce Celll: 3 4 35 9107 310435 Cell: 9107
Countr Cou ntrywi ywide de here he re refe re fers rs to CFC, CF C, IInc, nc, and and aall ll its it s affi af fili liat ates es and an d subd su bdiv ivis isio ion. n. Countrywide here refers CFC, its affiliates and subdivision.
D at e: at e: M on on , 225 5 JJun u un n 22007 00 00 7 002:59:02 2: 2: 59 59 :0 :0 2 --0700 07 00 07 00 Mon, Date: To: angelo_mozilo@country angel [email protected] wide.com angelo_ [email protected]
F rclm :
Original z 12 3 4 5
Message
Sent: 06/26/2007 04:58 P ST [email protected]
To: Cc:
[email protected]
fwd: Sarnaan v . M o z i l o an d S a n d o r S am u els Subject:
Zerni k
R e s p o n s e To Y o u r C o rresp o n d en cE
to
AnqelCl
June 26. 2007
M r Samuels:
I aplProached
you as President o f Bet Tzedek, where you represented your commitment to
fighting real estate and other types o f fraud. Your response, through Mr Boock, appears inconsistent with your representations as President o f Bet T zedek, and your stand ing in other Jewish institutions, such as Adat Ariel. As communicated to me by federal regulators (Thrif t Supervisors), Countrywide in its o ,m defense in federal federal investigation stated the following:
Samaan s 1sf lien loan.
Countrywide Countryw ide would have never
U f r
~ f r I
L
Wouldn t it be the easiest case that Bet Tzedek ever resolved, if you made the very same statement 9 words in total), in a declaration by you or by any other officer o f Countrywide+:.
Joseph Zemik l*countrywide here refers to CFC, Inc, and all its affiliates and subsidiaries
X-WSS-ID: OJK7ZHI-OE-OPE-Ol
To: [email protected] Subject: Samaan v. Zemik -- Response To Vour Correspondence Correspondence to Angelo Mozilo and
[email protected] 07 02 2007
10:09 AM
[email protected], [email protected] cc [email protected]
To
SUbject URGENT TIMED RESPONSE REQUI REQUIRED RED BY TUESDA TUESDAY, Y, JULY 3 2007, 5:00PM ATTACHMENT PART II
June 29 2007 Angelo Mozilo Chairman Internal Audit Committee Countrywide
Sandolf Samuels Chief Legal Officer Countrywide YoU -
response
is required
by Tuesday July 3 5:00pm.
ATTACHMENTS ATTACH MENTS E-H WIT H THIS COPY Mr Mozilo and Mr Samuels:
You are addressed here in an urgent call for justice just ice by a person whose life is 011 verge o f ruin as a result o f wrong and dishonest conduct conduct by a Countrywid Countrywidee manager who is ddiber ately attempting to subvert justice in the Los Angeles Superior Court under o u n t r y w i e ~ f s name:. You an: the two individuals in whose person the safeguard o f the integrity o f the operations o f Countrywidt: is most clearly vested and in whose power and authority it is to mend this wlrong. Rabbi Jonathan Bernhard the Honorable R Willi William am Schoettler Schoettler and Rabbi Shustennan are: copied as witnesses to travesty o f jus justice tice at various points along its way. Others Other s are copied since
Sandor Samuels is also addressed as t h ~ ~ President o Bet Tzedek (House o Justice), and iin his capacity in other prominent Jewish organizations in Los Angeles, such as Adat Ariel, and the Zieglerr School o f Rabbinical Studies . Bet Tzedek is a not for profit Jewish organization Ziegle dedicated 1: the cause o furthering justice through free legal services to the needy, and to stem fraud fraud - with real real estate fraud fraud prevention isted at a high high priority. Bet Tzedek is a worthy institution, and one that can proudly be held as a symbol o the Jewi5h Jewi5h community's contribution co ntribution ito the people o Los Angeles in particular, and the historic contributi'Jn o the Jewish o
in general. Community American life Tzedek v.as's reviewed or mentioned their positivetocontribution Loswork AngelesBet NPR Market Place, the Losfor to justice in theThe Times, Angeles Daily Journal , the Jewi )'h Journal , and other p u b l i c a t i o n ~
In web pages o Bet Tzedek Mr you are elderly ami m w ~ l s states: "Whom do yOll call someone is trying to evict you from your apartment or your house? ... The answer to thes thesee .... is a resounding Bet Tzedek! " (Attachment A ). r am not elderly, but a real estate fraud perpetrated against me in the LA Superior Court by a Countrywide Branch Manager and her associates, may leave me elderly and poor. In those web pages Mr Samuels expressed his commitment to justice, and in this letter I call upon him to act based upon these commitments.
The biblical commandment "Justice, Justice You Shall Pursue from the Five Books o Moses, is featured prominently as the guiding words for Bet Tzedek. Indeed, that commandment, and o
byhtJe'lVs even more so the words the Hebrew havejudgment, been admired over theamillennia asid asidee theProphets need needyy from take way lhe lhe right ig and non-Jews alike "... To tum an d to take fi;'om the the po poor or o f my pe peop ople le,, that that widows may may be thei theirr prey prey,, an d tlta tltatt tlte tlteyy may may rob the fath father erle less ss!' !' " Isaiah is probably the best known, in part through his reflection as a major influence on the writings o the New Testament. Indeed, some o the figures that are held as b,eacons in the contribution o the Jewish community to American law, followed the same path, all1d may be eerily relevant to our matter: Justice Louis Brandei Brandeiss - one o his best known contributions was the Brandeis Brief - claimed to be the first brief in the United States that relied on analysis of factual data rather than pure legal theory to argue a case, documented the negative health effects of employees long working hours. Benjamin Cardozo - known known best for for opinions such as: as: • Hynes v New York Central Railroad Company - about the Duty o f Care of a large corporation in relationship to individuals who were trespassers! • MacPherson MacPherso n v Buick Motor Co. - which expanded Duty in Negligence Actions and reddined th< scope or Corporate Liability Berkey v Third Avenue Rai/way - which removed the veil
of complex corporate structures with subsidiaries._ President Franklin Delano Roosevelt, Roosevelt, seeing in Brandeis a model Justice, affectionately l l d e c ~ d n:icknamed n:ickna med him lmiah ", and the metaphor o "City upon a Hill " for a ju st soc society, iety, featur featur,e ,ed d in Presiden t Reagan's Farewell Address, goes back through the puritan Winthrop and the Sermon on the Mount to Isaiah as well. •
I therefore also approach Sandor Samuels in the Spirit o the upcoming Justice Ball, on July 28th, 2007, the annual fund-raiser for Bet Tzedek , a model Jewish institution in Los Angels. [ wish Mr Samuels and Bet Tzedek a successful Justice Ball, and I was happy to see the list o illustrious sponsors. No doubt Mr Samuel Samuels' s' tenure aass President had had a lot to do with that. H1ll you gather to celebrate the protection o..(Justice in LA, while under your watch I am beinie.:
EX
I'll
robbed ilr broad daylight o f my tome and my saving because o f inaction by Countryw'ide? I am the victim o f Wire Fraud and Real Estate Estate Frau d perpetrated by Maria McLaurin, Branch Manager, Countrywi de San Rafael, and her associates: Nivic Samaan and Victor Parks (none is a Countrywide employee). employee). Since Nove mber 2006 it appears that Att Mohammad Keshavalzi, o f Sheppard Mullin, is also a major figun: in fabrication and coordination of fraud in this case (presumably all all protected under litigation litigation privileges). Samaan's fr fraud aud attem attempts pts that I altn personally aware o f now were initiated in September-October 2004 but I was not aware of these, and had no understanding o f any o f the related compl ex areas o f the law, banking, and real estate until December 2006 Attempte d Mort Mortgage gage F raud against Countrywide - government hac ked mortgage mortgage e n d ~ . . . , _ . n d Attemp ted Fraud against Countrywide per se T h l ~ s e fraud attempts were initiated in relationship with the att empt by Nivie Sarnaan to obtain mortgage loans from Countrywide, for the purchase of my residence, then listed for sale Countrywide is a government backed mOltgage lender, and such mortgage applications 'Nere based on the federally mandated and prescribed Uniform Loan Application (1003) (1003) ( A t l ~ . : l H n e n l _ 1 1 . Samaan's 1003's 1003's were fraudulent in almost any conceivable way (Attachment B . To top top it off, that loan application involved also an attempt at fraud against Countrywide per se - y allowing Samaan discounted fe feee o f 0,7 5 for no reason at all. Th That at application, and iits ts
underwriting process involved a multiplicity o f Violations o f Regulation B of the Federal Reserve (Fair Credit) and California Fair Credit and Fair Housing laws and regulations, primarily by Maria McLaurin (Attachment C ). Not to outdo McLaurin, the scheme also involved Wire Fraud by Nivie Samaan and Victo r Parks. Fraud and Deceit against Zemik were a minor part o f the original scheme, but moved to center field when the original scheme failed.
IVire Fraud y Samaan and Parks against a financial institution - Countrywide Vire Fraud by Samaan and Parks against Zernik Not to outdo McLaurin, the scheme also involved Wire Fraud by Nivie Samaan and Victor Parks (both Califor California nia Department o f Real Estate License holders) (Attachment D . Parks was represented to me as the Loan Broker, without disclosing any relationship to to the Buyer, Samaan. Much later, later, in July 2006, he turned turned ou t to be the first cousin ofSamaan s purportedl husband, Jac Arre Lloyd (prior to 2003 2003 - Timothy Lloyd Morrow). Morrow). And Lloyd, in tum, appears to have been a long term term McLaurin friend/acquaintance Lloyd was al also so a mortgage prof professional essional for ma many ny y ~ a r s , but not a license holder for unknown reason. As much later turned out, Sarnaan and Parks had an arrangement, whereby Parks, who at the time apparently resided and operated from offices in the State o f Washington, with corporate from om San Rafael. Parks O f f i C I ~ S (Pacific Mortgage Consultants) in northern California, not far fr allowed Sama an and Lloyd to broker Samaan's loan with the San Rafael Rafael Wholesale Branch. To facilitate this scheme, fax transmissions sent to the fax number that wa.s provided 1.0 us for Parks, with an area code in Washington State (across State lines) were automatically forwarded to Samaan's fax machine in the Los Angeles, California, area. t also appears that fax fax transmissions that we believed had come from Parks, in reality originated from a m ~ ~ n s fax machine in the Los Anueles area. Please note that the elements o f Wire Fraud, a Federal violation, inclu(k the ':>
EX
attempt at fraud, but do not require th : actual success o f the fraud fraud attempt. And Wire Fraud attemp t against a financial financial institution may result result in a prison s e n t e n c ~ o f up to 30 years ( Attachment D ) Some o f the early evidence o f this scheme was presented in email notes from Michael Libow, my re alt altor or,, o n O ctobe r 18 and 19, 2004 (Attachment E . In these email notes, Libow repeatedly demanded that Parks explain Libow s observations regarding phone number switch during f:ClX communications, that Libow first observed on October 18, 2004. Parks refused to respond. To faci lita litate te the deceptio n, Sama an operated her fax machine(s) without phone line and and sender identifications, in violation o f Federal law and FCC regulations. Samaan also communicated through such lines on behalf o f Victor Parks her loan documents to Countrywide, for the purchase o f my home. Such an arrangement could not not work with out implicit, implicit, if not explicit approval from the Wholesale Branch. The use o f unidentified fax machine for loan origination and support documentation is not only in violation o f the law, but also contradicts Countrywide s own regulations and policies regarding the use of fax machine. Countrywide, a giant corporation, has been involved over th<: years in a number o f litigations over the correct use of fax machines, and certain FCC regulations were written explicitly in relationship to the use o f fax machines by Countrywide. As such, Countrywide has developed specif specific ic corporate policies and instructions regarding the use o f fax fax machines. Given all all that, it appears incredible, [hat review o f Samaan s loan file, file, obtained through leg legal al subpoena from Count rywide, shows that almost all the documents supporting the qualification of the Borrower, Samaan, and her responses to Underwriting Decision/Condition Letters set by the duly assigned Underwlrilter Diane Frazier, originated from an anonymous fax fax machine, with no phone line number, and no Fax cover sheet. It appears incredible that this worked, worked, if we are to bdieve the loan file ( dttachment.El listed such anonymous fax fax commun ications found found in Country Countrywide wide s loan fi file. le. A few transmissions, also listed in Attachment F came from a machine explicitly i d c l t i f i \ ~ d as Samaan s ( l)pellbound ). Our hypothesis, based on evidence not shown here, is that these transmissions were all from an HP Laserjet fax/copier/printer, and Samaao routinely toggled the s ~ t t i n s on the machine between two identities: a) Anonymous - when communicating on behalf o f Parks, as a Loan Broker, and b) Spellbound - when communicating as herself identities, and therefore, we fin find d several several transmissions that ut she forgot at times to toggle the identities,
were intended to be from Parks, but carry the fax imprint Spellbound, and a number of transmissions by Samaan as Samaan, with fax imprint Anonymous . O f particular interest is the fact that one o f the documents faxed with lhe imprint Spellbound
dated Octob er 22, 2004, was a corrupt, invalid Purchase Agreement and Join Escrow Instructions , the key docu ment governing the whole transaction. Also o f interest regarding that transmission is the fact that it apparently did include a page I, that is missing from the document as present ed in the Loan File in response to subpoena. We believe that in this case there was inde<:d a fax fax cover shee t possibly including incriminating information Therefore, this page was eliminated from Countrywide s subpoena production in violation o f the law. Countrywide s sophisticated fax systems allow recovery o f this missing missing document even whem the paper < opy was destroyed, and I expect Countrywide to do just that.
O f patiicular interest is also the fact that in anonymous transmission dated October 4, 2004, the document titled titled Broker and Borrower Docum ent Certification bears the signature of Sarnaan, but is missing the signature of both Parks, as Broker, and signature for Acknowledgement y
Aut hor ized Employee (Attachment (Attachment F . In contrast, the next page, Mortgage Loan Ori,rtination and Parks signatures. But the Parks signature here, and Agreement, bears both Samaan s and e:lsewhere in the loan file bears no resemblance to his signature on court declarations, and is likelly not to be by his own hand (Attachment F ) Broker Document Certification is a key document in the loan file. The lend lender er has n no o contro controll of th.e documents prior to arrival, and a valid Broke r Documen t Certificatio Certification n provides at least some limited guarantee for the integrity o f the docume nts present presented ed to the Underwriter. Diane Frazier surely noticed such deficiencies and others that raised concelTls for mortgage fraud. Therefore, she included in the Underwriting Decision/Condition Letter o f October 14 2004 as a condition, to be satisfied prior tto o loan approval approval - the receipt o f signed Broker Document Certification. But such signed Broker Document Certification was never received, and is still missi ng in the Loan File. File. Maria McLa McLaurin, urin, after assuming underwriter authority authority on October 25, 2004, f n ~ this condition in violation of Countrywide s own regulati regulations ons (below) (below).. The facts regarding wire fraud can be corroborated by Michael Libow, my realtor, and by Joshua
Allen Mailman, designated as my Expert Witness in this case (Attachment G . f .' 1K..oing Rea l Es Estate tate Fra ud bv Samaatl, Samaatl, Parks, and McLuarin against Zerni/;..
Fraudulent Inducement I was not likely to accept Samaan s offer to purchase my residence in 2004. In fact, I first n:s ponded pon ded to another otT otTer er.. I considered consider ed a realtor representing hers h erself elf as a higher rrisk isk offer, it lacked qualification o f the buyer by an arm s length neutral party. I also communica ted that to my r,ealtor, and within a few days I was presented with an excellent Pl equalification Letter on fax, and signed by Victor Parks. Such Pacific Mortgage Consultants letter head, transmitted by fax, a Prequalification Letter is also required by the s tandard Purchase Agreement that was used in this transaction. Two and a half years later, when I compared the signature on that letter with signatures o f Parks on his court declarations, I realized that there was no thread of semblance between them.
1
The <:ontent o f that Prequalification Letter had no base in reality, and the letter was not based on a written loan application application as required in the standard California ResidentialPuT ResidentialPuT chase
Agreement lind Joint Escrow Instructions, which Samaan signed to produce a valid offer to
purchase the house. Who wrote and an d signed that letter? letter? On what basis? I don t know. Additional evidence for Fraudul Fraudulent ent Inducement included the fact that Samaan listed in one fax communi cation a sto ck account that she would liquidated to to make the initia initiall payment. No such accoun t ever existed, as she admitted in deposition. In another fax fax she related tha thatt she was a rea reall es esta tate te:: salesperso n who closes a few deals a year. We later learnt that she had never participated in any real estate transaction whatsoever..
EX
Samaan was at that time a cosmetics saleswoman in a department store, represented to us as a unmarried woman. After I accepted the offer offer on September 15 2004, the story was changed, and she \vas engaged, to be married within a few days in Hawaii. But later - in her her loan a p p ~ i c a t i o n s she was listed (apparently by the purported newlywed husband who prepar prepared ed the applications ) an Unmarried Woman purcha purchasing sing the property as as Sole Owner. Similarly, in escrow docurnents docurnents completed in October, she signed on declaration that she was an Unmarried Woman. That change after my Acceptance, effectively gave the newlywed husband th thee veto power at close o f Escrow. Ifhe wished - he could provide a Quit Claim Claim,, otherwise, he could demand to be listed as co··owner. Are th they ey ma marr rrie ied? d? Are they they not not'! Why they they en ente tere red d this part part o f th thee fraud? fraud? I don don't 't kncl'w. [n addition, Samaan was listed in loan applications as a President and Sole Owner o f a corporation - Spellb ound Enterpri Enterprise, se, I n c for at least 4 year, with no other employment, and with income o f $400 $400,000 ,000 per year from that corporation. Such claims are far f,e f,etch tched ed.. The corporation was established less than a year earlier, and according to its web page, engagedl ill web retail sales o f psychic and occult consum er products products - "The Supernatural Superstore
provided Tarot cards, divi ning objects, anointment oils, and crystal crystal balls. The Underwriting process at Countrywide starts'with Phase 1 There is one document that is valid, complete U n ~ f o n l Residential dearly, unmistakenly absolutely necessary at this point - a valid, Loan Application (l003). There is no way that any underwriter could credit determinations o f any applicant without a 100 1003, 3, moreover, it is required by Regulation B . The 1003, combined with: Countrywi de's proprietary Land safe Report, and an additional Credit Report issued by the Loan Broker (in Samaan's case it was Coast Credit) ,are then processed via the proprietary Clues Expert System to generate the Clues Report.
As it turned out, the compound fraud (funding o f an unworthy applicant, and issuing same a substantially discou nted mortgage loan) was not as easy easy to pull off as the perpetrators assumed. refused ed to issue credit The local branch Senior Underwriter - Diane Frazier - repeatedly refus determinations based on invalid Uniform Residential Loan Application 1003 showing m ~ j o r violations o f loan prog program ram rules. And the Clues Expert System was similarly uncooperative uncoopera tive it issued a REFER detenn inatio n (Attachment H . Frazier later lost her job, in part as a result o f her conflict with McLauri n relative to Samaan's loans. Not being able to issue a credti deten ninati on, Frazier, then issued an Underwriting
Decision/Condition Letter, Letter, dated October 14, 2004, and bearing her hand signature (Att£ cd .lent I). In it she made it clear that Samaan' Loan Application was tem temporarily porarily suspended, anel Samaan had 10 days to provide new Loan Applications (1003) and other documents. documents. The conditions as listed by Frazier on 10/14/04 for initial approval are listed below, followed y Samaan response, in Italics : 1) Acc,e Acc,epta ptable ble explanation for discrepancies in employment address and phone infonnat ion Samaan never complied with this condition, since her self employment was in fact a fabrication 2 Approval by Corporate Underwriting Office, once a new set o f triplicate copies of 1003 with the th e 0.7:5% 0.7:5% f(:e f(:ess a re pro vide d by Samaan The handling o f this through Exception Request to to Demetrio Gadi is described below
3) Pricing to be corrected to show the additional additional 0.75 % fee fee Samaan never complied with this condition - she refused to pay the applicable fee 4) Samaan to show that she had already deposited $30,000 in Escrow Samaan had not even paid that deposit deposit ye yet. t. She wo uldf ulfill ulfi ll this condition after Escrow was canceled. S Provide <copy o f the Purchase Agreement 10/22104 - Samaanfaxed a corrupt document o f unknown origin, 10/25/04 - Samaan / ued
a valid copy copbusiness y 6) Provide 2003 license showing self employment at same lecation for 2 years, or equivalent from CPA Samaan never complied with this condition - she eventually faxed a business tax cert{{Ic cert {{Icate, ate, but it contradi cont radicted cted her employment employm ent data 7) Provide Bank Statements for We Well ll Fargo Account to to demonstrate availability offunds t close. Samaan never compl ied this this conditio condition n - she eventually faxed the bank statements - but then it turned turne d out that the the funds fund s were in a joi joint nt account with her mother, mother, who wo uld not provide her with a letter stating availability o f the funds.
list above shows that out o f 7 conditions conditi ons for Initial Approval defined def ined by Frazier Frazie r on 10/14/04, and which Gadi instructed McLaurin to uphold, Samaan would never comply with 4 until the
The
day the applications died through Denial by Countrywide and Withdrawal by Samaan - January January 27,2005 In discussing the Underwriting Letter o f October 14,2004, one must realize that it is misrepresented by both Samaan and Countrywide's Legal Department as the first underwriting review o f this application after it itss only submission. In fac fact, t, the adulterated Da te Received stamp s show that there was another submission, submission, and the duly assigned underwriter - Diane Fraz ier indeed conf irmed that fact. fact. The Loan Applications wer e first first received in San Rafa Rafael elll aroull1d October 1-2,2004. There was an earlier underwriting review o f the application, and a requirement was set forth for resubmission o f valid 1003's. But in mQockery o f both Underwriting and Regulation B ,th e response was to produce an instant resubmission wiithin San Raf ael ·· take the old 100 1003's, 3's, cross out the Date Received stamps, imprint new Date Received without correcting any o f the data, and re-scan the m as a new application on Octolx:r 12,2004
Why is the Legal Department trying to cover this up, when the Loan File clearly shows the opposite despite their th eir sincere efforts? I can guess.
McLa urin then tricd to bypass the local local underwriter. She waited until until October 25, 2004. Once tbe loan was technically closed, she usurped Underwriter's authority, n ~ v i v the application, and illl violation o f Underwriting Conditions issued a referral to Divis Division ion Underwriting Underwriting Support Demetrio Gadi Gadi - for for an Exception Request Attachmen Attachmentt J That request was an additional viiolation o f Regulation B: - it was presented with neither valid 1003 's nor valid Clues Report - the annual income figure figure included in it was 10-fold inflated -- from the fictional fictional $400,000 in the 1003's to $4,000,000 - I; I;;r ;red edit it determina tions included in the request were simp ly made up, with no basis in sound
underwriting principles. Gadi was most likely informed by Frazier o f McLaurin's chicanery well in advance. Careful reading o f his Approval communication shows that he really did not approve any exce ~ U } l at ~ l l · The borrower was to add the 0.75%, as previously determined by Frazier, and the botTo\ver was required to produce new, valid 1003s. Moreover, Moreover , Gadi reenforced the authori authority ty o f the local branch underwriter and determined that th thee Branch Manager must abide abide by all conditions and decis ions previously decisions previo usly stipulated by Diane Frazier. Moreover, he adde added. d. new conditions that wou would ld make it practically impossible for McLaurin to get that fraudulent application f u n d ~ d • A new Clues Report was to be issued prior to funding • All documents document s had to be review(: review(:d d by a branch underwriter prior to funding following Countrywide document quality assurance procedure. • McLauri n to issue a non-delegated Mortgage Mortg age Insurance at cost to branch, and demonstrate a certificate in the file prior to funding. In fact this Approval by Gadi, reads as a resounding vote o f no confidence in the persona l integrity and professional judgement o f McLaurin. I had no knowledge o f any o f that in 2004, as the seller in the underlying real real estate transactio n. But both I and my realtor were getting increasingly alarmed by what appeared as repeated instances of disho dishonest nest dealing or worse and by by Samaan's failure to to perform. I was also waiting for Samaan to remove her contingencies prior to making a large deposit on my next dwelling. But Samaan failed to remove the contingencies, and I subsequently lost the dwelling that I had c h o s l ~ n as next for me and my family. By that time:, the typical California real estate transaction, with its measured dynamic mcthod o f contingencies, intended to equitably distribute the risks and liabilities as the transaction moves along from Acceptance to Closing, was turned upside down. It wa wass clear that tthe he buyer would not be able to close on schedule, but if I waited any longer, she could force me to close at any time in the future, at will, regardless o f whether or no t I had secured an alternative alternative dwelling And she could also cancel without an significant liability to herself, since she still had not removed her last last two contingencies (Loan and Appraisal). h e n ~ f o r e
I issued a Notice
t
Buy er to Perform In response, I received a letter from buyer in
which she explicitly refused to remove the last contingency (Appraisal), without any just ification. justificat ion. And Parks, the purported Loan Broker, was feeding feeding false information to to my n ~ a l l t o r at the same time. time. From October 14 to October 18 2004 he never informed Libow, my realtm·, even once o f any problem related related to the Purchase Agreement. On the the contrary, on October 18, 2004 he was communicating that Samaan's Loan was approved, the only remaining condition being Appraisal Review. Neither couldn't be further than than the truth truth - Samaan's lo loan an was temporarily suspended pending receipt o f valid 1003's. But Samaan would neve neve:r :r sub mit va vall id 1003's! 1003 's! And on October 19, 19, 2004, Parks informed informed Libow that Review Appraisal Appraisal would be in by F.riday , (that was Oct 22, 2004), when in effect, it would be almost a week before Mari a McLauri n would first take over underwriting and order Appraisal Review - in violation o f Undenvriting Conditions. Indeed, Samaan already had in her hand an apprais appraisal al t hat came in at sales price, and lacked any
loan approval. But in response to the Notice to Perform she removed the Loan Contingenc.J' , Apprais raisal al Cont ingenc y. Her actions in this regard, and even [nare so and Irefused to remove the App - the justification she provi provided ded in a letter, appeared as yet ano ther dis.hones dis.honestt dealing, which in retros pect they surely were. I then acted within my absolute right and issued Instruction to
Cancel Escrow .
In short - the loan file file indicates the following double history by the time it was produced in respon se to a legal legal subpoena. Needless to say, creating false false loan histJ ry is another violation of
Regulation
B :
Revised i s ~ )Iatl:; True History 1) October] -2 7 F irs t s ub ubm is is ssii o n - O c tto ob bee r 1-2,20047 Records elim eliminate inated, d, stamps crossed
out
2) Early October 3) October 12
Received 4) October 14
eliminated October 14-25 valid 1003'5
5)
5) October 25-29 6 October 29
complied with
Underwriting Underwriti ng communication requires resubmission o f valid 1003's Mock resubmission
1st Underwriting Letter
Records mostly eliminated Now presented present ed as the only Date Prior Underwriting documents mostly
Ten days allowed to correct 1003's etc Samaan again rejiLsed to resubmit McLaurin attempted Exception Request
2nd Underwriting Letter - Conditional Approval
Original Approval Conditions stifl not
6) Nov1ember 3 3rd Underwritin Underwriting g Letter Lette r - Condition Conditional al Approval
complied with
Original Approval Conditions Conditions still not
7) Jan 27, 2005! Denial o f the 2nd lien loan by Countrywide Samaan tried last rninUle Withdrawal to avoid Denial These events in 2004 may appear to some as solely an attempt at fraud against Countrywide, facilitated facili tated by a Coun trywide Branch Manager. But in effect, the Purchase Agreement stipulated obtain designated loans loans ". Therefore" the that buyer shall act diligently and in good faith to obtain fraud was also again st the me, as seller. I wanted to sell my house and and move in 2004, my life has since disrupted, and I am under constant extorti extortion on by Samaan as a direct result result o f thalt fraud attempt against Countrywide. b
~ e n
year, r, and when From October 2004 to October 2005, Samaa n issued various threats, but waited a yea real ~ s t t e continued to appreciate, she fi led suit for Specific Performance in October 2005, and immedi imm ediiat iately ely pl aced an abusive Lis Pendens on the propert y as well. I was instantly left vvi vvitho thout ut any (:ontrol fm y own property, my own finances, no access to my own equity 'even 'even to f inance my own legal defense against a malicious prosecution, and with no control o f my own time o f day for that matter, with frequent court appearances and rolling Ex Pmte threats that are deliberatel y aime d to harass. I am not able to sell, not even to enter a long term lease, and surdy not to rlefinance at a time o f concerns over swinging interest rates. rates. By now, the property has o obtain it in a 2004 price! price! And in between, I p p r ~ c i t e d over 30%, but Samaan is dema ndin g tto had to defend myself against a malicious prosecution that has completely disrupted my Ii
November of2006 I filed a Motion for Expunge o f Lis Pendens But in what was probably the most stunning episode in this w hok tale o f fraud, Samaan's husband and her counsel, Mohammad Keshavarzi, companions in fraud under Sheppard and Mullin name, were allowed to produce, in what was at best an abuse of discretion, a new set o f documents, never produced in a prior subpoena in an Ex Parte Sur Reply. These documents included: 1 a new Underwriting Letter dated Octob er 26, 2004, never produ::e produ::ed d by either Countrywide or [n
Samaan 2) a from McLaurin, endorsing the new Underwriti ng e t t l ~ r and misinterpreting iit for letter from the judge. 3) a new copy o f the Purchase Agreement and Joint Escrow Instructions , never seen be lore, never ,earlier produced by either Countrywide or Samaan <1- a m:w declaration by Parks 5) a new declaration by Keshavarzi And a whole new history was made up for the loan approval process: loan application was suspended because because o f missing initial(s) or 1 October 14 2004 - Samaan's loan signature o r seller on the Purchase Agreement Which one? it was never specified 2) October 22 22,, 2004 - Samaan asked asked Mara Escrow for a copy o f the .")urchase Agreement, but received by fax a copy missing my signature and initials Thatt was a fabrication, Mara Escrow faxed Samaan ,fthey thought they were Tha (axing Parks) a copy bearing my signature and initials. 3) After October 22 2004 - Zern Zernik ik signed the the Purchase Agreement Agreement only only after Octob October er 22 22,, 2004 That That wa wass anotherfabric anotherfabricati ation. on. The copy o f the the Purchlse Purchlse Agre Agreeme ement nt,, fom;arded fom;arded by Samaan on October 25 2004 (it came with a fax cover sheet ident fied as Parks) shows t y signature and initials, ajax header imprints show that it s the copyfhat wasfaxedfrom ~ l a r a Escrow on October 22 2004. 3) It was Zernik who prevented Samaan's loan from being funded by denying her tha thatt initial/signature. That was o f course another fabrication. fabrication. If one is to name three reasons Samaan's loan W l ~ r e suspended I would lists: a) missing valid 1003's, b missing documentation off\mds and bank accounts, and c) conflicting Residence and Employment daLi daLi th thee flagg flagged ed Samaan as a potential fraud case by both the Clues Report and the manual manual Uniform Underwriting Transmittal form. is sutIicient to read the correspondence between Libow, my realtor, and Parks, Samaan's Loan Broker on October 18-19,2004 (Attachment E ) to see that this fabrication had no base in rea1lity. Parks, in all communications with Libow, never asked for such initiab or signature. And Mara Escrow did fax Parks a valid copy upon his request on October 22 2004 but Parks failed to providt: it to Countrywide until October 25 2004 all well after I cancded escrow. t
I firsil came to realize that something awfully wron g was going on in November 2006. Ahe[ a few months o f intensive learning and investigation, I finally realized that all f i v l ~ documents listed abov above" e" introduced by Keshavarzi and Sheppa rd Mullin in Nove:nber 2006, and some: others filed in that hearing as well, were all all pro ducts o f fraud, a full c:(l]laboration between
Samaan, Parks, McLaurin, and and Keshavarzi. Keshavarzi, Samaan's attomey , described such allegations as conspiracy theory . But I repeatedly demanded that Countywide explain how suddenly, in November 2006, a new
Underwriting Letter appeared for a real estate transaction
2004, after it had be:en consistently missing from the the Loan File in four (4) repeated subpoenas And Countrywide eventually produced in mid April 2007 a series o f documents recording Procurement o f Perjury including in
the newly t:merged Underwriting Letter and McLaurin's letter that introduced it 1 courl ( ~ f t t c h m e n t K . With that production, the Legal Department repeatedly claimed, and stllted in writing as well, that all document s related to Samaa n v Zernik were produced. Now we are 2-3 months later, and it was obviously a deceptive claim, But the
Underwriting Letter o f October 26, 2004, newly emerged, was not a
val id
Underwriting
Letter at all. It did not reflect the true loan underwriting process as o f October 26, 2004, and
it
say anything about suspension on October 14 2004 as a result o f missing Zernil<'s initials or SIgnatu SIgnatures res as claimed by Samaa n iin n court. Yet the Legal Department Departm ent has consiste cons istently ntly f ~ f u s e d to provide any sta tement to counteract the harm done by McLaurin's fraud, while McLuar in appears in court as a spokesperson for Countrywide. Instead, Instead, the Legal Legal Depart ment has repeatedly hid behind the irrelevant and false claim that it had complied with its response to a legal subpoena, and with it appeared that it had considered it fulfilled its obligations.
dlid 11 t
And then by June 2007, I discovered that already in early Apri Aprill 2007, in response to investigation by a Federal agency, Countrywide had engage in correspondence that contradicted McLaurin 's claims in in court. Countrywide claimed that Samaan's loan loan would never would have funded, regardless o f seller's cancellation Those documents were omitted from from production in violation o f the law. And in correspondence last week, witnessed by Rabbi Bernhard, Countrywide's Legal
Department all o f a sudden claimed that an internal internal investigation had had concluded that my allegations were without merit But that report was also omitted fDm subpoena productions t
At present, it appears that if allowe d to continue, this case will surely bring me to
b a n k r u p
l t l ~ y
-- a
case that represents everything what Bet Tzedek 's mission is to prevclt - real real estate fr fraud aud perpetrated against a lawful owner by professional crooks. A Countrywide Branch Manager, which I have never met in my life, and with no discernable reason, hm bee n trying to haml me by enabling and facilitating fraud by Samaan and Parks against selle seller, r, which by now totals my plans, and are threatening hundreds o f thousands o f dollars. Togethe r they have scuttled my to drive me to bankruptcy. I have already been forced to open retirement plans to finance my defence in a malicious litigation where McLaurin is obviously an accomplice, and Country1,vide's Legal Depanment's role is still to be determined. Attorneys for the Legal Dep artment clearly sh ow no interest in in the fac factt that a Branch Manager t t e m p t c ~ d fraud agains t the bank. In fact fact attorneys for the the Legal Depmtmen t have been trying to cover it up by producing partial responses to subpoen as, and at times making deiliberat deiliberately ely f ~ l 1 s e representat ions to the fraud victim. In their most recent email (below), (below), all that was denied. But in the V ~ r y same email note was the statement that first first made me aware that Countrywide
engaged in an interna internall investigation that found my allegations without merit , which had never been produced in four (4) subpoena productions . For one, J have deciphered most o f the documents in the loan file, and otherwise, months ago I managed to get hold o f the local branch underwriter, Diane Frazier. Frazier. She confirmed my concerns, and provided me with invaluablee data in understanding some o f the missing links. invaluabl links. She also provided me with general
That fact alone shows that my allegations were not without merit
information regarding loan underwriting in the San Rafael Wholesale Branch around 2004, that allow ed me (combined with some estimates from elsew here) to m ake some estiima estiimates tes o f the scope o f fraud conducted in that branch. My estimate is that Maria McLaurin was single-handely involved in facilitating about
$500,000,000 per year in fraud against a government-backed mortgage lender, by effecting the approval o f outlandishly fraudulent mortgage applications that tr.le senior u n d e r w r i t e r ~ refused to approve, even under constant pressure. O f interest, when I last tried to call Frazier, a man answered the pholH:, who warned me thall ]
mus t never cal must calll her again, since she promised Countrywi Count rywi de never to tnlk tnlk about th thes esee issues. If ever called her again, he promised to come down to LA and gun you down". We subsequently tried to serve Frazier with subpoena for deposition, but it vanished, had abandoned her residence within days after my last phone call with her, nowhere t ) be found. Maria Mc Laurin {}own phone call she doubted that anybody could bring Maria
lll
our last
In subpoenas and Meet and Confer I have repeatedly asked for any lntemal Audit, External Audit, Security or Imaging Reports or data independently gathered from Pipeline Reports for the relevant months, to corroborate the data in the Loan File. The LOHn File, as produced by the Legal Depar1ment, was obviously obviou sly intended to deceive. decei ve. Ther e was no way to construct a coherent, imernally consistent underwriting process out o f the material in the Loan File as produced. And despite the intense effort to eradicate conf licting evidence, it still shows that Samaan's loans were submitted submitted and reviewed prior to October 12,2004. But attomeys for the Legal Department repeatedly repeatedly engaged in deceit, claiming that I was asking for records that were non-existent . That claim was repeated even in the recent note.... l a ~ t week (see below). None: o f the extensive email correspondence related to this loan file was ever produced. Such email correspondence would surely provide much o f the missing missing inform information ation.. McLaurin herself explained to me by phone on December 2006, that she had been perso ilally involved in prq:>aring the original subpoena response, and that she had concluded that Countrywide was not obliged to produce such digital records in response to legal legal subpoenas. Instead, Countrywi de repeatedly Conversation sation Logs, Logs, San Rafael Bran ch . Already produced an invalid empty paper form titled Conver months ago, Diane Frazier informed me that such paper forms have never been used in San Rafael ilt least as far back as as 1989, 1989, the year she started working there. is a.lso obvious that critical fax cover sheets or transmittal letters W l ~ r e consistently e l i m i n a t l ~ d from the loan fIle fIle.. The reason, most likely is that they would have shewn that which is obvious that Sarnaan brokered her own loan with the Wholesale Branch, in defiance o f the law and Countrywide regulations. regulations. I know enough about Countrywide's s y s t e m ~ and practice:s by now, t
and some o f the history o f Countrywide's litigation history in relatil):1ship to the use o f fa:x machines. There are even specific federal regulations authored in response to problems arising from Country wide's fax machine practicers. Therefore, it is obviou:; that by 2004 Countrywide was using sophisticated fax machines that would allow retrieval o f any lost paper copies from transmissions. And Countrywi de staff was supposedly trained in FCC regulatio regulation: n: and security securit y regulations as well, not to accept loan documents arriving from an anonymous machine, with no phone line line listed, listed, and with no no fax cover sheet. And if that was indeed the case: - th then en there there .sh .shou ould ld have been an Internal Audit report reviewing these instances. The: buyer, who in 2004 had a check for a $15,000 deposit bounce twice for NSF, has now spent
by some estimates around $200,000 on legal fees. And strangely enough, attorney Keshavarzi seems partlicularly interested in protecting McLaurin, the Branch Mat1ager, who is not their client. In return, the Branch Manager supplied buyer with fraudulen fraudulenll claims, fra udul cntb ank documents, and made statements and dec larations in cour t that for form m l:he foundation o f this malicious prosecution. The damage caused to me by this malicious and illegal conduct o f l\kLaurin is enormous, a nd is
compounded by the day. I sent last week a couple o f email requests to Mr Mozilo and Mr Samuels marked Urgent , and Personal . I have ncver heard back from from either o f you. Instead, I am got a recycled obfuscating response from the same Legal Department attorney who has been deceiving me for almost a year now, claiming that Countrywide complied in full with Legal Subpoenas, etc. t is the same attorney who used a claim o f pious observance o f the Jewish holiday o f Passover to avoid showing up in Court to defend his position. As a father who raised his children in the Jewish faith, I found that particularly offensive and despicable. In a previous letter I have reduced my request to a declaration o f nine words by an otTicer of the corporation, a repeat o f the statement that I was informed by Thrift Supervisors (Federal Banking Regulators) was used by Countrywide to fend off investigati I n into this issue: Samaan s fir first st lien loan would never have been funded . In response I got a refusal by the same attorney. I would still J ike to to believe t hat I would get a positive re sponse if you knew the facts in this matter, which were therefore provided here for your review in rather great detail. I still still be:l ieve that those who would be hosting the Justice Ball later this month, cl;:ebrating with many in the law c:ommun c:ommunity, ity, would not allow this to stand.
In Attachment I is a copy o f the legitimate Underwriting Letter o f (lc:tober 14, 14, 2004. In Attachment K(and } xhibits 4 and 8 in the text below) is the newly found U IIderwriting Letter, that first appeared in Countrywide's productions in April 200,', but appeared in court,
through McLaurin, in November 2006. This newly found Underwritiltg Letter has been the center-point o f fraudulent statements. These fraudulent statements can be summarized as follows:
COUNTRYWIDE SUSPENDED DECISION ON PLAINTIFF'S LOAN APPLICAT][ON
BECAUSE ZERNIK HAD NOT SENT THE FULLY EXECUTED PURCHASE AGREEMENT. SUCH SUSPENSION SUSPENSION TOOK EF.FECT ON OH AROUND OCTOBER 14, :W04 SUCH SUSPENSION WAS EVIDENCED BY A DOCUMENT PRESENTE D IN EXHIBIT #24 IN OPPOSITION, AND AGAIN AS PART OF EXHIBIT #28 IN THE SUR-REPLY. 18'oHowing arc some examples o f statcments (in quotes) from offending filings that resullted from this fraudulent Countrywide document, followed by my statcments describing the t r U t ~ facts in this mattcr: Plaintiff, through her Attorney o f Record, in the Sur-Reply Brief p7, ref refelT elTing ing to Opposi tion H Exhibit #24, stated: "The following week, on Friday, October 15, Parks learned that the lender was suspen ding a
decision on the loan because defendant had not yet provided Park Parkss w ~ t h a signed Purchase Agreement (Parks Decl ~ 1 1 Exh 24)" This statement is repeated numerous times, but it is false and deliberately misleading. Exlhliblit #24 is an invalid, false and misleading document. Victor Parks in his declaration in the Opposition to the Motion (Exhibit #1(0), p5 states: " 11. The following week, on Friday, October 15, I learned that the lender, Countrywide was suspen ding a decision on the loan because Zernik had had not yet sent me tthe he fully executed Purchase Agreement. Attached hereto as Exhibit 24 is a true and correct copy ofCountrywr,de's notice which states the reason for the suspension." The document presented in Exhibit #24 is an invalid and inadmissible document. Att Keshavarzi tried to get it authenticated by Maria McLaurin, Bank Ma lager in Countrywide ( Exhibiit #105). She refused to do so (Exhibit #105), yet he includecl:his document once iin the Oppos.ition, Exhibit #24, and again in the Sur-Reply, Exhibit #28. This document was never included by Countrywide in subpoenas as part o f the Underwriting Decision/Condition Letters. It was not part o f Country wide's Loan Fi e. e. This document was created on October 26, 2004, and not on October 15 or earlier, as imp[ied b)
h ~ r e
This document never stated the reason for the suspension as claimed ill the previous sentence o f Parks' declaration. declaration. The claim in Paragraph 1I, and Exhibit #24 are false and deliberately misleading. Again., on p6 o f Victor Park s' declaration in the Opposition to th e Motion, he stated: " 16 16.. The only reason Cou ntrywide did n ot approve the appraisal appraisal o f the property was that we did not timely receive the Preliminary Title Report and the executed Purehase Agreement." This statement is lacking any valid evidence. This claim is false and misleading. c)i
Plaintiff, through her Attorney o f Record, in the Sur-Reply Brieop3, and Exhibit #28" stated: "Seco nd, to remove any doubt that Countrywid e suspended Samaan" Samaan"ss loan because it had 11101 yt:t recdved a signed Purchase Agreement, attached hereto is Exhibit 28 to the Supplemental
d)
D ~ c l a r a t i o n of
Victor Parks. Exhibit
28
is a letter from Countryside to Victor Park, dated
November 6,2006, confirming that Countrywide did, in fact, cancel M s Samaan s loan because
defendant had not yet provided her with a fully executed Purchase A 5reement." This statement is lacking any valid evidence. This statement is false and misleading. Victor Parks, in his Supplemental Declaration in the Sur-Reply stated: "Attached hereto as Exhibit 28, is a true and correct copy o f a letter I received from Countrywide Home Loans, Inc., dated November 6, 2006, confirming that on or around October 14, 2004" Countrywide suspended the processing o f Ms Samaan s loan because they had not yet r e c l ~ i v e d a copy o f the fu Ily executed Purchase Agreement . This letter letter is accom panied by the actual Notice o f Suspension that Countrywide sent me in October 2004." This statement is lacking any any valid evidence. This statement is false false and deliberately misleadi ng. This fraudulent Underwriting document, together with Maria McLaurin's McLaurin's contributions contributions have since become the corner stone o f this malicious fraudulent fraudulent prosecution. They are no now w featured prominently in an incredible Motion/or Summary Judgement pending hearing in a few weeks. M r Samuels and M r Mozilo, you have been provided by now with sufficient materialls to figure out the situation. f you need any ad dition al documents, please please let let me know immediately. Lack of action by you would surely permit further fraud. This perversion and slJlbver'sion of justice has proceeded uninterrupted for month s in the C o u r t h o u s l ~ : in
Sa n Ita Monica!
to an end. t is time to bring it to
M r Samuels and M r Mozilo, call upon you to uphol d your personal duties to safeguard the integrity o f operations o f Countrywidc, and immediately stop this illegal condudby .McLaurin and do all that is nccessary to ensure that am p r o t e c t l ~ d fro from m any continuation malicious, harass ing prosecuti on, to thc degrce that it is reliant on Countryw Countrywiick iick of this malicious, employee, Maria McLaurin.
Left uninterrupted, this malicious prosecution, based on fraud, will surely rob me o f my savings, and ruin my life. t has already caused my to neglect my busincss, my c h i l d \ n ~ n ~ all1d :social obligations. t has caused mc enormous financial l o s s e s ~ relative to my m e : : m s ~ and it promises to leave me bankrupt. Given M r Samuel s position in Bet Tzedek I call upon you to respond to th e simple questions below, so that may remove this abomination from t h ~ LA Supe.-ior CourHlOuse p d o .. to the Justice Ball ! Please respond to the following following guesitons by Tuesday, July 2
2 0 f j ~
5:00pm,
Regard ing the document purp orted ort ed to be an authentic and val valid id Courl/rywide Courl/rywide Underwriting Underwr iting Decision/Condition Letter Attachment J<; . } Wa Wass this document a valid true true and correct Countrywide Underwriting Letter? 2 Wa Wass this letter dated date d October 14 2004, as was represented in Court?
3) Could this letter possibly be transmitted to a Loan Applicant and/or her Loan Broker in its currentform on or about October 14 or on or about October 5 200 '? Or for that matter - on or about any day prior to October 26 2004? . 4) Was this letter issued by Diane Frazier, Frazier, as represented? represented? 5) 18n t the person issuing such a letter required to hand-sign such a etterfollowing
Countrywide s own man ual for faxing Underwrit Underwriting ing Letter Letters? s? 6 Did Diane Frazier Frazier h old true
u t
o r i ~ v for
underwriting Samaan s lo loan an on October 26 201M?
7) Did Maria McLaurin hold true Authoriryfor underwriting this Samaan s loan on October 26,
2004?
I wish all of us a true celebration of Justice on July 28, 2007. Joseph Zemik * Countr ywide here denotes CFC, Inc. and/or any and all o f its subsic iaries and afnliates CC: Rabbi Jonathan Bernhard The Honorable R William Schoett\er Rabbi Joseph Shusterman Others in the legal and Jewish community
in
Los Angeles.
Attached:
t1ttachment A : Beth Tzedek Web Pages with President Samuels pron:lUncements t1ttachment B : Samaan's Adulterated Loan Application (1003), and listing o f fraudulent data presented in it. Regulation B violations in Samaan's loan file t1ttachment C : Regulation t1ttachment D : Parks Hand signatures Elements and Evidence Evidence-- Email Email not notes es o f Michael Libow, Zcrnik's dttachment If: : Wire Fraud - Elements Realtor on Octobe Octoberr 18-19,200 4 dttachment f. : List o f anonymous fax communications found in Samaan's loan fi Ie and and an unsigned Broker Document Certification . 4ttachment G : CV o f Joshua Mailman Attachment H : Clues Report for invalid Loan Application l003) 4ttachment I : Underwriting Decision/Condition Letter 10/14104 4ttachment l : McLaurin's fraudulent Exception Request 10125/04) and Gadi's Exception Request Approval 10/29/04) Keshavarz and the the newly found found 4ttachment K : Procurement o f Perjury: McLaurin, Lloyd, Keshavarz Underwriting Underwr iting Letter
·
i
'
__
Vyl
Todd
To
Boock AttorneyILegal/CFICCI
07 05 20070726 AM
cc bcc Subject
PLEASE ASK SANDOR SAMUELS ESTATE FRAUD
Fw
TO
STOf] HEAL
----- Original Message ---- From: JOSEPH ZERNIK [[email protected]] Sent: 07/04 200707:31 PM MST
To: Cc:
[email protected] sandor_ [email protected]
Subject: PLEASE ASK S ANDOR SAMUELS TO STOP REAL ESTATE FR ;\lJ D
FOR llMMEDIATE RELEASE COUNTRYWIDE* (NYSE:CFC) SUB-PRIME LEADER SEEKS P R O T
~
T I V
ORDER
AGAINST DR JOSEPH ZERNIK Counfrywide s Mozilo and Samuels Complicif in Real Esfafe Fraud Beverly Hills Hills,, July 4 In Sanzaan v Zemik , heading for trial, an invalid Countrywide document. dated Octoher 26, 2004, was declared as dated October 14, 2004 --:kceiv ing the court and
commit ting fraud against Dr Zernik. committing Zernik. The fraud fraud was was committed by colusion ofNivie Samaan and Maria McLaurin, Countrywide Countrywi de Branch Branch Manager. In 2004 McLauin and Samaan also colluded in Mortgage Fraud attempt and in Wire Fraud. Based on on data for for 2004, as estimated by Diane Frazier, former Senior Underwriter, McLaurin also probably personally approved about $0.5 bi Ilion per year ( ) in grossly fraudulent government-backed loans. Angelo Mozilo is Infernal Audit Committee Chair, and Sandor Samuels is Chief Legall Officer at Countrywide Countrywide.. Samuels also served in public positions in Ziegler School: for services), Rabbinical Studies, and in Adat Ari El, and is now President at Bet Tzedck (free where he prominently called for Justice and real estate fraud fraud prevention. Upcorning Upcorning Beth Tzcdelk Justice Ball, July 28, 2007 raises funds to provide equaljwticefor all In recent days, Dr Zernlk approached three community dignitaries - R Jonathan Bernhard o f Ada . Ari El, Hon RW Schoettler, and R Joseph Shusterman o f Chabad in appeal ing to Mr Samuels and Mr Mozilo to stop real estate fraud in Samaan v Zernik. Both Countrywide officers decl inc:d to take action, and Countrywide announced it will seek prolective ord(:r against Lh Zernik in Santa Monica Court, Friday, July July 6, 2007, 2007, 9:00am. Unusually broad broad pWlTective order for a public figure like Samuels violates the Freedom of Speech. *Coulltrywide here denotes Countrywide Fmanciallnstitutlon and all Its subSidiaries and aftlliates F Jr
additi ona information regarding tthis his action contac contact: t:
Joseph Zemik. DMD,PhD T
~ I
310 435 9107
Fax: 8019980917
Email: [email protected]
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in.com>
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To maria_mclaurin@counlry,,-,ide.com
cc bee
11/06i200G 11/06i20 0G 03:22 PM
Subject
Samaan letter
Mana,
ycur help, as WE, are oflly for the document to be authenticated if YC)w have any questi-:ms please let rne I<now If iI is a c c e t a you please Sign and fax it to 213-443-2910. Thanks again. I\tached please find the declaration and lett letter. er. I would r eally appreciate
a S f ~ r n g
l
~ e
to
«D O C P D F »
Kesravarzi. Esq Sheppard Mullin Richter & Hampton. LLP MOE
333 South Hope Street, 48th Floor
Los Angeles CA 90011-1448
Direct Line 213-617-5544 Fax 213 443 2910 Email: [email protected]
meE;sage i s
[ l e n t b y a l a w f i r m a n d ma y c o n t a i n i n f O J : n a t l o n t b a t j s you r e c e i v e d t h i s ~ t r a n s n L s i o n i n e r r o r r1Eil'H: n o t i f y t h e s e n d e r b y r e p l y e - m a i l a n d d e l e t e t h e mes9ag€> a n d a n y a t t a c h m e n U This
privilesred or
S llepparc.
confidential.
Mullin
Richter
<
H a mpton LLP
P l e a s e viiSd :l: : o u r
website
at: www. s h e p p a r d m u l l i n . com
~ ]
DOC PIY
_
II
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M c L A l } R [ , ~
I, Maria McLaurin, state and dedare as foLlows:
I I
_
MARIA
~ C L A . R A T I O N OF
I
1 Ii <
+
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I'
5
I.am the branch manager for the San Rafael b:an::h
1.
of
Co
Horne Loans, Inc., the branch that processed Ms. Samaan's loan OClnI' number
or around Oeto 6 ,lIn Oetobe;be;- 14, 2')04, CouT'..tr\wide s ~ l s ; e n d e d l\/fs. Sama:cr.'o loan h ~ I •
i
7 i Countrywide had
ot
yet received a copy ofth(' fully
1 Attached hereto as Exhibit 9 I to II
10 1i
e x ~ : c : : u t e d
. r ; l
\ v i i , ~
g17:,73 75). l l s ~
purcba"e a g r e : ~ r n e n l .
30 is a true and correct copy oftf:e lette:':hat CouDeY',ilide:ent
Ms, Samaan's broker, Victor Parks.
III
I declare under penahy o f perjury under the lav,'s o f tfi e State o f Cahfmni.J
I
2
r
that the loregomg
1S
true an
d
correct.
13 ]4
Exe::uted on 1<ovember 6, 2006
San Rafael, Califomi?.
15
16 17
Maria
18 19
20 21
22 3
24
25
26 28 LW02-WEST:IMMKJI4OOI J; /5:.1
McLaurin
.. _ - - - - - _ . - ... _
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MESSAGE:
NOT;:;:
If y u
have
cmy
questions please call
11 IS M£:S5AGE IS INTENDED ONLY FOR THE USE t)F
, He:::
me
INPIVIPUI\L OR E\ITlTY TO WHICH IT
~ ~ W
i t l i A i N
INEQRMAll/JN THAT IS P R N I t t ; ; ~ O , c;oI'JFIDd TIAL ANO [ ; 2 g ; ~ ~ £ R . Q ~ L D I S C L O S V R E t ~ D E F A P P U ~ J 2 L ~ M l i IF' j ) ; ~ nEAOE: ( 01· l H I S MESSAGI:: IS NOT 1ME INTEN08J ftECIF IENi. OR H E EMpI.-OYEE OR AGENi RI;;SPONSIBL= FOR D E L I V E R . I ~ G THe: THe: M l ; ~ ; ~ G = T,O TH<: I , TFNDE D RECIPIENT. YOU ARE HEREBY NOTIFIED THAi ANY DISSEMrt.I\TION, DISTRIBUTION m l COPYING DF Trlt S COMMUNICATION IS ,3Tf :rCTLY pRQHnm t 'l, IF y o u KAVE R;CEtVcrl THIS COMMUNICATION IN ER?OR. PlEASE NOTIFY us IMMEDIATELY BY T E L E f : ~ O ~ At-n PCTlJRI l :HE: ORIGiNAl Mf -SSAGF TO us AT1l1C 1\f30VE ADDRESS VlA THE; I J : ~ FOSTAL SER\nc . T t W ; ~ : YOU.
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Suite 11 San Rafael. CA 94901
Fax Maria McLaurin, Branef1 Manag€ I'
From
Phone
Fax From:
Re:
Pages
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Phone
] F lease Comment
---(415) =--...:.- 259-0865 .
(415) .257-27D3 .257-27D3
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• Comments:
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Confiaentiality Notice: The information contained in and transmitted INifh thiS comrnuni(:<llion is stric:I:' coofidenllal. is intended only for the L. se of the intende intended d recipient, and is the property of Countryvvicle Financial Corporation or its affiliates aml subsidiaries. If you are not the intend eel reCipient you arE hereby notified that any use of the information contained in or transmitted with th,:: communication or disseminatIon. distribution, or copyin9 of this communication s strictly prohibited by law. If you have' received this communication in error, plt3ase immediately notify the sender by erna,l or telephone anc delete the original message r any copy of in your possession Thank You.
AMERICA'S VVHOLESAU: .Ei'HlER
Sf C , 750
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SAt J R A F A E · .
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November 6,2006
Victor Parks Pacific Mortgage Consultant Consultantss Re: Nivie Samaan Loan Number 81737375
Property address: address: 320 S Peck Dr Beverly Hills, CA 90212 Mr. Parks, This is to confiml that Countryv.r::de Home Loans processed th thee above referenced mortgage application on or around October 14,2004. The loan was Suspended pendirr receipt o f a copy of the fully executed purchase agreem ent. Attal;hed is a copy of the letter issued by Countrywide H J I I l ~ Loans. Thank You,
Maria McLaurin Branch Manager
1 to
';14901
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--------------_._-
COUNTRYWIDE HOME LOANS, INC.
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--- - Origina Originall Message ---- From: JOSEPH ZERNIK [[email protected]] Sent: 0 7 0 4 2 0 0 7 0 7 : 2 0 PM MST To: jz [email protected] Cc: sandor_samuels@country [email protected] wide.com Subject: PLEASE ASK SANDOR SAMUELS TO STOP REAL ESTATE FRAUD
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(NYSE:CFC) SUB-PRIME LEADER SEEKS PROTECTIVE () RUER
AGAINST DR JOSEPH ZERNIK Countrywide's Mozilo and Samuels Complic it in Real Estate Fnl:Ud
Samaan v
emik , heading
for trial, trial, an invalid Countrywide docurnvnl., dated October 26, 2004. was declared as dated October 14.2004 -- deceiving the court and committing fraud against Dr Zernik. The fraud \Vas committed by collusion ofNivie Sanl.Lan and Maria McLaurin, Countrywide Branch Manager. In 2004 McLaurin and Samaan also colluded in Mortgage Fraud attempt ane in Wire Fraud. Based on data for 20 0 L as estim.l:ed by Diane Frazier, former Senior Underwrikr, McLaurin also probably p e r ~ o n a l l y approved ahout $0.5 billion per year 0 in grossly fraudulent government-backed loans. Angelo Mozilo is Internal Audit Committee Chair, and Sandor Samuels is :hicf Leg:11 Officer at Countrywide. Samuels also ~ e r v e d in public positions in Ziegler School for Rabbinical Studies, and in Adat Ari [ I and is now President at at Bet Tzedek (free legal services). where he prominently called for Justice and real estate fraud prevention. Upcoming Beth Tzedek .Justice Ball, Ju ly 28, 2007 raises funds to provide equaljusric'ej(Jr 01/ In recent days, Dr Zernik approached thl-ee community dignitaries - R Jonathan Bernhard ,,1' Adat Ari EI, Hon RW Schoettler. and R Joseph Shusterman ofChabad in appealing to Mr Samuels and Mr Mozilo to stop real estate fraud in Samaan v Zernik . Both CtJuntrywidc A l i c e r ~ declined to take action, and C o u n t r y w i d ~ announced a nnounced it will seek protective order against [>r Zernik in Santa Monica Court, Friday. J Jly 6.2007, 9:00am. Unusually broad protectivt: protectivt: orcle' for a public figure like Samuels violates the Freedom o f Speech. e v l ~ r l y
II ills, July 4 l n
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*Countryw,de here denotes CountryWide FinanCial Inslilulion and all
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For additional information regarding this action conlac/.
Joseph Zemik, DMD,PhD Tel: 3104359107 Fax: 80 I 998 0917 Email: [email protected]
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To
<MKeshavarzi@sheppardmu in.com> 11106 2006
[email protected]
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03:22 PM
SubJect S"3hill"an lettm
Maria, ,4.ttached please find the declaration and lEtter I would really ap;::lreciate your heip, as we are oniy d ~ k l n lor the document to be authenticated If } ClU have any questions please let me k 1ow. If it is acceptl bl e to yOL ?Iease sign and fax it to 213-443-2910. Thanks again. « D O C . PDF»
Moe Keshavarzi, Esq.
Sheppard MLJilin Richter
Hampton, LLP
333 South Hope Street, 48th Floor
Los Angeles, CA 90011-1448 Direct Line
213-B17-5544
Fax 213-443-2910
Email: [email protected]
I h i s m e ssa g e
p r i . v . i 1 e g e d or notify
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Sheppard
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DOC.PelF
plea.; ; : : c ; .
I, Maria McLaurin, state nd dec: are
2S
foIl ows:
31 ·
1.
San R a h ~ J b'ar:eh o f C )
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Home Loans, Inc., :he'branch that processed Ms. Samaar: 's ]oan (lo,m Dumbe;' g J 'i:i73 75).
5\
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I am tte bmnch manager for
i
In o r around October 14, 2004, Coun:rywide suspended Ms.
711 Countrywide had not yet reeeived a copy 8 1['Attached hereto as Exhibit
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m a a ; ~ :
; Joan
o f the fu11y execut::d pur::lnse
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Ms. Samaan's broker, Victor Parks.
10 II 1 1 II 1:2
I declare under pena1ty o f perjury under the laws o f t1ll:: State o f Ca:ifl),D: a
ithat the
foregoing is true
,'iDC
correct.
13
14
Execllted on November 6 ,2 0 0 6 at San Rafael, CaIifomj;'l /
15 16 17
Maria McLau:.in
18
19 20 21
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F A CST M 1 } E
** T Date:
IS
November 6, 2006
File Num.ber: 01 )I)-On
~
Maria McLaurin
(877) 812-5397
Moe Kesbavarzi
Re:
Samaan v. Zernik
MESSAGE:
~
~
_
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I f all pages are n ot r eceived, [) [)lc lcas asee c;all . E ~ x t . 4507
Facsimile No.
From: '
: ~ i
David Za810ff at 2 13-620-17 80,
JO:
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FACSIlvfll. E TRANSlvf1SSI0N WIlL NOT BE MAlLED *'*
Total number of pages.; (including I-page cover sheet)
~ NOTi :
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lfyou have any questions, please call me.
~
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THI.';:J,1.ESSAGf; IS INTENDED ONLY FOR THE USE OF INQIV[OUAL OR ENTIT( TO WHICH rr I;> I \ l D R E S : ~ . I , ANJ M A ( . ~ ; g W : ~ L ~ \ f l F g ~ ~ ~ N T H A T 16 PR\VIL§I3ED C QN FlI kN TlAL ANI;) ~ A P T FROM DISClOSURl" UI 'I Df f i AFPUGA61.= v,Jti... (I' Tl-I; k E A D b ~ f ll-JlS MESSA13 : IS NOT 71-JE INiENDED f{ECH"IENi, OR l H E EMPLOYEE OR AGENT RESPONSIBLE FOR O'liVERllolG T}-I<; MES:.AGE T() THE: l fENCED REC1PlENL YOU ARE HEREBY NOi1FIED iHAT ANY D l S S E M l t t T l O ~ , DISTRIBUTION OR COPYING OF THe:; COMMHN CATION ::TRiCH.V PRQHJ8JTEO IF YOll HAVE RECElVl:O THIS COMMUNICATION /'of ERROR. PLEASE NOTIFY US IMMEOIA1E.Y BY TELEcl-IONE: At..o RE URI, "[HE OfuGINJU, Mf'SSAGE TO US ATTI-IE I\.BOVl: ADDRESS VIA THE; V.'.;, POSTAl.. SERVICE. TIiANKYOU.
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Confidentiality Notice: The information contai contained ned in and transmit :ed with this c o r y ~ u l i c i l f o n is strict) confidential. is intended only fO[ the use of the intended recipient, and is the oroperty of CountrywidE Financial Corporation or its affiliates and subsidiaries. If you are not ttle In tended recipiE recipiE-ll -llt, t, yeu ar e hereby notified that any use of Iroe infomlation contained in or transmitted wi::h the comnu,lcation or dissemination, distribution, or oopying of this communication is s1rictly prohibited by law. If you have received thi this s communic communication ation in error, pfemse immediately notify the sender by em2,1 or t€l I: phone and delete the original message or any copy of in your possession. Tnank You.
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Victor Parks Pacificc Mortgage Consultan Pacifi Consultants ts Re: Nivie Samaan Loan Number 81737375 Propert y address: 320 S Peck Dr Beverly Hills CA 90212
Mr. Parks This is to confinn that Countrywide Home Loans processed the above referenced mortgage applicat application ion on OJ around October 14,2004. The loan W1S S u s p e n < : : ~ d pendillj J receipt of a copy o f the fully exe.cuted purchase agreement. Attached is a co::r) o f the letter issued by Countrywide Home Loans.
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To::
Joseph Zernik DMD Phd
Fax Nu.mber:
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213-620-1398
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Sheppard Mullin Richter Hatnpton., LLP
Telephone:
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Fax Number;
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MOllie a. CA 904D1-2386
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July 3,2007 Jenna Moldawsky, Esq.
Coldwell Banker Residential Broke r Company, Legal Dept.
Number o f Pages Inc:.uding Cove:);:
Samaan v Josep}l Zemik LASC Ca:;e No.: 5C8087400
Suite 300
Tel 1;1101 ;,76-41Il0
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Datc:
July 3, 2007 JetlOa Moldawskr, Esq.
801-998-0917 310-286-9567
Fax Number:
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To: Company:
Moe Keshavarzi, Esq.
Shepp ard Mullin Mullin Richter Hampton, LLP
Teleph01c:
To: Company:
Robert J. Shulkin, Esq.
Fax Number:
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Telephonc:
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amaan v.Joseph Zemik;
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Fax Number:
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Me niciI, GA 90401-2386
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N.unber o f Pages Includ.ing CmTr:
LASC Case No.: SCS087400
see attached.
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Robert J. Shulkin, Esq.
Legal Department Coldwell Banker Residential Brokerage Company 11611 San Vicente Boulevard, 9th Hoar Los Angeles, C1\ 90049 Facsllll.ile: 310-447-1902 r o b e r t . s h u l k i n ~ v
Re:
c a m o v e s . c o m
Nivie Samaan v. Jos eph Zernik Los Angeles Co unty Superior Court, Case No . SC8087400 SC8087400
Gentlemen: Please be advised that Non-Party Countrywide Home Loan Loans, s, Inc. Inc. ("Co untrywid, :) is applymg ex parte for a protective or der directing Defendant Joseph Zernik to communicate solely solely with Countrywide's designated counsel r=garding r=garding the subject matter o f the litigation and no other Countrywide employees or associates, or, i t the alternative, for an order shortening time t o file and hear a me,tion for a protecti"c order. The basis o f the application is that :\1r. Zernik has repeatedly communica'ed wirh repre sent ed Countrywide employees regarding tthis his litigation litigation and ha hass co ntacted
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personal associates o f Countrywide officers to discuss the present action.
SMO [)()CS\641(,>71
Jo sep h Z e rnik D M D P h D
Moe Keshavarzi, Esq.
I ryall Galfe
Robert J. Shulkin, Esq.
ll
July 3, 2007 Page 2
Countrywide s WEI
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p rle application will be heard at 9:00 a.m.
:1
Friday, July l, 20U), in Dep;runcnt
o f the Los Angeles Superior Court, located at 1725 Main Street, Santa Monj : a, Califol nia,
Please advise as to whether you intend to appear and or oppose Countrywide s Very truly yours,
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Jerma Moldawsky
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