Public Legal Notice: Vista Financial Bancorp, Inc (dba) Peoples Home Equity, Inc.(Attention Joseph Messina) 5205 Maryland Way Suite 100 Brentwood TN. 37027, Mike Caraga(aka) Moaeyad G. Ahmad Esmeralda S. Ahmad 12872 S. Parkside Dr. Palos Park, Illinois 60464, 5033 N Kennison Ave. Chicago Illinois 60630 , Charlie Z. Zayid (aka)Khalil Z. Zayid (aka) Faiza F. Zayid 7716 Greenway Blvd. unit 3A Tinley Park Illinois 60487. 7025 Heritage Circle apt 3A Orland Park Illinois 60462 "Defamation" is a catch-all term for any statement that hurts someone's reputation. Written defamation is called "libel," and spoken defamation is called "slander." Defamation is not a crime, but it is a "tort" (a civil wrong, rather than a criminal wrong). A person who has been defamed can sue the person who did the defaming. (For in-depth information on defamation claims, check out Nolo's Defamation, Libel & Slander section.) Defamation law tries to balance competing interests: On the one hand, people should not ruin others' lives by telling lies about them; but on the other hand, people should be able to speak freely without fear of litigation over every insult, disagreement, or mistake. Political and social disagreement is important in a free society, and we obviously don't all share the same opinions or beliefs. For instance, political opponents often reach opposite conclusions from the same facts, and editorial cartoonists often exaggerate facts to make their point. What the victim must prove to establish that defamation occurred The law of defamation varies from state to state, but there are some generally accepted rules. If you believe you are have been "defamed," to prove it you usually have to show there's been a statement that is all of the following: published false injurious unprivileged Let's look at each of these elements in detail. 1. First, the "statement" can be spoken, written, pictured, or even gestured. Because written statements last longer than spoken statements, most courts, juries, and insurance companies consider libel more harmful than slander. 2. "Published" means that a third party heard or saw the statement -- that is, someone other than the person who made the statement or the person the statement was about. "Published" doesn't necessarily mean that the statement was printed in a book -- it just needs to have been made public through television, radio, speeches, gossip, or even loud conversation. Of course, it could also have been written in magazines, books, newspapers, leaflets, or on picket signs. 3. A defamatory statement must be false -- otherwise it's not considered damaging. Even terribly mean or disparaging things are not defamatory if the shoe fits. Most opinions don't count as defamation because they can't be proved to be objectively false. For instance, when a reviewer says, "That was the worst book I've read all year," she's not defaming the author, because the statement can't be proven to be false. 4. The statement must be "injurious." Since the whole point of defamation law is to take care of injuries to reputation, those suing for defamation must show how their reputations were hurt by the false statement -- for example, the person lost work; was shunned by neighbors, friends, or family members; or was harassed by the press. Someone who already had a terrible reputation most likely won't collect much in a defamation suit. 5. Finally, to qualify as a defamatory statement, the offending statement must be "unprivileged." Under some circumstances, you cannot sue someone for defamation even if they make a statement that can be proved false. For example, witnesses who testify falsely in court or at a deposition can't be sued. (Although witnesses who testify to something they know is false could theoretically be prosecuted for perjury.) Lawmakers have decided that in these and other situations, which are considered "privileged," free speech is so important that the speakers should not be constrained by worries that they will be sued for defamation. Lawmakers themslevPlease be advised these individuals mentioned above are the true perpetrators of these slanderous, defaming statements that have not and can not be proven because the incident did not occur. Corporate Equity , prides itself in keeping confidential its current and future clients detailed business dealings, so there for to protect our clients to the fullest we can not release proof of these statements, however Corporate Equity has hired legal council to file defamation claims against the for mentioned parties above. There (iP) addresses has been researched and we have identified the individuals whom are the perpetrators of this slanderous defaming report.

LEGAL NOTICE TO: VISTA FINANCIAL BANCORP INC, (DBA) PEOPLES HOME EQUITY OF ORLAND PARK ILLINOIS, (ATTENTION JOSEPH MESSINA) MOAEYAD G AHMAD(AKA) MIKE CARAGA (AKA) ESMERALDA SARA AHMAD AND KHALIL Z ZAYID AKA FAIZA F. ZAYID, AND RONALD W. HERTENSTEIN (AKA) RON Defamation Any intentional false communication, either written or spoken, that harms a person's reputation; decreases the respect, regard, or confidence in which a person is held; or induces disparaging, hostile, or disagreeable opinions or feelings against a person. Defamation may be a criminal or civil charge. It encompasses both written statements, known as libel, and spoken statements, called slander.

The probability that a plaintiff will recover damages in a defamation suit depends largely on whether the plaintiff is a public or private figure in the eyes of the law. The public figure law of defamation was first delineated in new york times v. sullivan, 376 U.S. 254, 84 S. Ct. 710, 11 L. Ed. 2d 686 (1964). In Sullivan, the plaintiff, a police official, claimed that false allegations about him appeared in the New York Times, and sued the newspaper for libel. The Supreme Court balanced the plaintiff's interest in preserving his reputation against the public's interest in freedom of expression in the area of political debate.

It held that a public official alleging libel must prove actual malice in order to recover damages. The Court declared that the First Amendment protects open and robust debate on public issues even when such debate includes "vehement, caustic, unpleasantly sharp attacks on government and public officials." A public official or other plaintiff who has voluntarily assumed a position in the public eye must prove that defamatory statements were made with knowledge that they were false or with reckless disregard of whether they were false. Where the plaintiff in a defamation action is a private citizen who is not in the public eye, the law extends a lesser degree of constitutional protection to defamatory statements.

Public figures voluntarily place themselves in a position that invites close scrutiny, whereas private citizens who have not entered public life do not relinquish their interest in protecting their reputation. In addition, public figures have greater access to the means to publicly counteract false statements about them. For these reasons, a private citizen's reputation and privacy interests tend to outweigh free speech considerations and deserve greater protection from the courts. (See Gertz v. Robert Welch, Inc., 418 U.S. 323, 94 S. Ct. 2997, 41 L. Ed. 2d 789 [1974]). This notice is the only public notification that will be rendered for public view, it is an attempt to preclude the aforementioned defendants and there associates from willfully writing or verbally stating mis leading facts.

you are well aware that your statements contained herein are misleading ,slanderous and defaming and is causing great harm both economically and emotionally to employees of Corporate Equity, Because of these facts causing great reputational harm to Corporate Equity you have 24 hours to remove all slanderous defaming and unproven propaganda from public view and this public domain website or you will subject to both civil and possible criminal charges, the individual perpetrators have all but admitted that they intend bodily harm one if not all of Corporate Equity"s Employees, (QUOTE) I AM BURYING THIS GUY "TRUST ME" Save it buddy, give it a rest. You're done! You're my #1 priority right now...I'll dedicate everything I have (time, money, etc.) to making your demise.

Charlie Zayid 708-935-3474 cell You can't close a deal if youre worthless homeless life depended on it. I know everything about u. Everything! You showed me ur a*s monkey, now I'm gonna f**k it. You hear me! Sent from my HTC on the Now Network from Sprint! I'd love to knock u senseless before you go to jail. Like I told u, you got one way out. Sent from my HTC on the Now Network from Sprint! ----- Reply message ----- From: [email protected] Date: Fri, Nov 1, 2013 7:16 pm Subject: FAKE LIC NUMBER ON YOUR BUSINESS CARD ???? To: <[email protected]> Please note because of the threats of bodily harm these individuals have been referred to local and federal law enforcement , please see there (ip) address Information listed below.

(1) Vista Financial Bancorp Inc.(dba)Peoples Home Equity.Inc (Attention Joseph Messina) 5205 Maryland Way. Suite 100 Brent Wood TN 37027 ( Attention Rebecca Gonzalez, Lic, Department) Illinois Mortgage Lic, Number MB6760717 (2)Charlie Zayid(aka) Khalil Z.Zayid (aka) Faiza F. Zayid, 7716 Greenway Blvd. unit 3 Tinley Park Illinois 60487, 7025 Heritage Cir, Apt. 3A Orland Park Illinois 60462 (3) Mike Caraga(aka) Moaeyad G. Ahmad (aka) Esmeralda S. Ahmad 12872 Parkside Dr. Palos Park Illinois 60464 5033 N. Kennison Ave. Chicago Illinois 60630 NMLS# 357852 INVALID NAME OR NMLS NUMBER. ILLINOIS MORTAGE LIC, NUMBER 049103335 (EXPIRED BUT STILL IN USE AT THIS OFFICE LISTED BELOW16624 W 159th Street Suite 601 LOCKPORT, IL 60441, right off of I-355 on 159th Street Al,

Please find attached the Printout and images of the monies that Saleh Abu Laila has paid to the $50K deposit. He has a copy of a $10K Chase cashiers check from 09/22/2011, proof of $10k check from his Chase March-April Statement on 04/03 Check # 1213, proof of a $10k check from his Chase May 1st - May 31st Statement on 05/31 Check # 1152, proof of $10k check from his Chase March 1 - March 29 Statement on 03/04 Check # 1165. This totals $40K.

Saleh is still searching to the best of his ability for all his other statements, because he no longer banks with Chase and has not done so for over 5 or 6 months. This is very difficult for him to gather. He has his Business Account (as you can see attached) with Bank of America account end #9207. Saleh informed me that once we are Clear-To-Close, he will have no problem at all securing a Cashier's check for the approximately $250,000 that he will need to close he pointed out, this is off the record please. Thanks , please advise! Charlie Zayid 708-935-3474 cell 708-226-7503 office 708-226-7503 fax 9501 W 144th Place Suite 300 Orland Park, IL Al, We would like to have the meeting Monday at 1:00pm at this location, 16624 W 159th Street Suite 601 LOCKPORT, IL 60441, right off of I-355 on 159th Street. Can u please confirm? Charlie Zayid 708-935-3474 cell