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**VirtualBank, Lydian Trust Co. and **Lydian Private Bank defrauded homebuyers by failing to disclose true terms of adjustable-rate mortgages, according to a class-action complaint in Sacramento Federal Court. See complaint. **Countrywide Home Loans and Napa Land Title Co. cheated homeowners by various ruses, a class-action complaint claims in Napa County Court. See complaint.
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