I feel First National Bank Alaska (Wasilla Branch) loan Officer Jack Zerbel damaged, and abused Members of Trailside Log Cabins, LLC by sending (or as they like to call it forwarding) extortion letters and committed acts of misconduct on behalf of customers Chase and Mandy Bovard.
I feel the couple felt empowered by the Bank officers help and that is why the Bovards committed these illegal acts against Trailside Log Cabins and members. The Bovards did not abide by the agreement they made between their own Attorney and Trailside Log Cabins Attorney and broke the agreement after they received part of their money back per agreement and chose help to commit acts of extortion to get the rest of the earnest money back by using the help of a bank officer Jack Zerbel to commit their illegal acts instead. All parties involved knew the Bovards were breaking the law and causing damages to Trailside Log Cabins and members.
Chase and Mandy Bovard placed illegal liens on property in July trying to get their earnest money back on a contract they broke with Trailside Log Cabins in July. The couple sent letters to Trailside Log Cabins from FNBA through a bank officer trying to force Trailside Log Cabins to pay them the earnest money back and tried to charge other fees in order for Chase and Mandy Bovard to remove the illegal lien they placed on the property, knowing members could not borrow against the property with their illegal lien on it. The liens were found to be illegal and were eventually removed by court order in Anchorage Superior court five months latter on November 22 by Judge Hopwood.
The first fax is from Jack Zerbel of FNBA stating on the FNBA cover sheet is the sentence he wrote. Chase & Mandy Bovard recorded a lien against the referenced property on November 4. Their requirements for release are stated in the attached letter. This letter from the Bovards demands money from us and says they will continue to lien the property and take legal action if we don't pay them the money. Scanned letters in jpeg available to view.
The second faxed letter is dated November 15 also faxed from FNBA. The second faxed letter was a letter that loan officer Zerbel faxed for the couple from the bank. Stated in the letter by the Bovards is that Mr. Zerbel of FNBA is a third party to the events. This letter states in exchange for money they will give us a notarized lien release exec. (Scanned letter is in jpeg available to view).
Can National Banks legally fax what appear to be extortion or even demand letters on behalf of their customers? Is this a service that banks provide for customers? Is this the kind of behavior that is only practiced in Alaska? Ethics are just becoming a popular issue in Alaska, just ask VECO? Are federal laws applicable in the state of Alaska or just to a select few? What kind of letters are these if they are not extortion letters?
Other members of Trailside log Cabins took out loans with FNBA in their personal names in March to finish constructing the Bovard home the Bovards broke the contract on. The signed contract by the Bovards was required by FNBA for a member's personal loan and that can be proven by the title trust documents showing pending owner and lender name on document File no M35097 McKinley Title & Trust, INC dated March 2 at 8:00 A.M. That is how the member was to pay back their personal FNBA loan was with the house contract with the Bovards that was required for the loan of March which Jack Zerbel loan officer helped her with.
Why did FNBA finance the Bovards other home they bought in August knowing they had a contract with a General Contractor Trailside Log Cabins, LLC for the first loan? Why would Jack Zerbel forward these kinds of letters for the Bovards? Why didn't the bank officer tell the Bovards to fax their own extortion letters from somewhere else? I would just like answers to these questions. We would like be made whole again from the damages we received from the misconducts of FNBA employee Jack Zerbel.
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