HERO FINANCING BLOCKS CUSTOMERS WHEN HERO CONTRACTORS GET CAUGHT CHEATING

Date: Saturday, December 16, 2017 2:40 PM From: Jennifer E Marshall  To: doris.velasquez@cslb.ca.gov, CSLB Lidia Moitoso-Champion <lidia.moitoso-champion@cslb.ca.gov>, piu@doj.ca.gov, CA Dept Of Insurance <thomas.goetzinger@insurance.ca.gov>, mmonnig@petersendean.com, CapSpecialty Pat Framke Claim 00180540-06 # 0041327141 <bondclaims@capspecialty.com>, CapSpecialty Pat Framke Claim 00180540-06 # 0041327141 <pframke@CapSpecialty.com> Subject: Re: CSLB SF 2016 9935 Petersen Dean Case / Court Case BC661819

Update: HERO has continued to block receipt of ANY information from customer Jennifer Marshall. HERO publicly advertises they protect customers, with special protection for seniors when in fact they BLOCK all communications, refusing emails and phone calls from customers who are being victimized by their contractors. HERO FINANCING and PETERSEN DEAN conspired to remove HERO FINANCING from the records to allow theIr contractor PETERSEN DEAN to seize our home instead of completing the job, including the removal of rotten wood and other necessary, agreed upon repairs. HERO blocked it’s own approved financing of the project to clear the path for PETERSEN DEAN to file two Mechanics Liens instead of making repaires they insisted to Jennifer Marshall were too costly to make. In case number BC661819 PETERSEN DEAN then began asking the courts to allow foreclosure and sale of the home, deliberately concealing the financing and the unfinished work from the judge and in a bold act of perjury lied about attempting to properly serve court documents to the home owner, insisting the home owner was hiding in the house at the time Emergency Housing was documented and PETERSEN DEAN was fully aware of as was their insurance CAPSPECIALTY, having been sent that information via formal written complaint. The financial harm to Jennifer Marshall and her autistic son James far exceeds the cost of the home repairs HERO financed and their contractor PETERSEN DEAN agreed to complete but did not complete. The financial fraud resulted in derailment of other work being done to the house and stopped refinancing of the home to get out of any future harm from OCWEN. After the CFPB cleared the way for us to refinance and escape harm from OCWEN, HERO and PETERSEN DEAN then conspired and blocked the refinancing via misuse of Mechanics Liens. This in turn blocked 3 dental surgeries that my autistic son James was scheduled to have in 2016 to save his teeth damaged by medication, surgeries not covered by his insurance that were to be financed by the refinancing of the home, which HERO and PETERSEN DEAN blocked for so long that prosthodontics Dr Palani has determined as of October 2017 James Marshall’s teeth can no longer be capped, that it is too late to save his teeth and he is not able to wear false teeth due to his severe autism. The financial harm to our family continues to compound and is terrifying. Much of our loss is permanent. Our lungs will never be as healthy as they were. The termites have had over a year in the rotten wood PETERSEN DEAN refused to remove yet asked a judge to allow PETERSEN DEAN sell our home to be paid for this work they did not do and the damage is much worse and ongoing as PETERSEN DEAN still attempt to foreclosure on our house in-spite of not doing the agreed upon work. The sneak attack plan of HERO and PETERSEN DEAN was to steam roll and sell the house before any discovery could even begin. We pray that the discovery process will now begin in spite of PETERSEN DEAN and HERO FINANCING ‘s documented attempt to obstruct justice to get away with the tax credit scam confirmed by H&R Block’s review of the financial documents. Respectfully, Jennifer Marshall Previously sent: Emails from HERO denying they refused to communicate with me. Then HERO refused to communicate with me. Never before have I experienced financing that refused to communicate. > On Dec 16, 2017, at 12:42 PM, Jennifer E Marshall wrote: > > Attn: Doris Velasquez CSLB SF 2016 9935 Petersen Dean Case > > Attn: Attorney General / California Department of Justice > > Does home owner need to file a second CSLB case against Petersen Dean specifically for the financial fraud element? > > Please review ongoing court documents and evidence stored at: > PetersenDean.blogspot.com > > Dear DOJ and CSLB, > > Physical damage: To be clear, there is ongoing evidence that rotten termite infested wood was covered with new shingles by Petersen Dean. The creaking on the roof is louder with time and sounds like a heavy person is walking on the roof. Termite activity on the roof is verified by visible sight of tiny holes inside the house on the master bedroom ceiling that termite shavings are falling from. The loud creaking is coming from the same portion of the roof that shows termite activity on rotten wood that was not removed. Petersen Dean laughed off the wood trim that could not hold primer and paint as “thirsty wood”. There is obviously a lot of “thirsty wood” underneath the new shingles, with heavy solar panels on top of the fragile rotten wood that creaks like it is going to snap soon. I fully expect the solar panels to crash into the master bedroom or into my neighbors side yard, possibly causing death, severe injuries as well as property damage. My HOA might sue me because of Petersen Dean’s sloppy works. I contacted the SCLB to save me and my autistic son from being held accountable for what HERO and their contractor Petersen Dean have done to our property. > > A verifiable down payment for termite treatment by Pacific Coast Termite to be done after Petersen Dean removed all the rotten wood was paid in 2016. The rotten wood was never removed by Petersen Dean and the termites have continued eating for a whole year and counting because Petersen Dean chose not to remove the rotten wood and instead to put Mechanics Liens on our house to attempt to avoid having to remove the new shingles to remove the rotten wood they buried underneath those new shingles. Their plan was obviously to foreclosure and sell the termite infested roof as “new” to some unsuspecting buyer. This is financial fraud against me and my disabled son that HERO and Petersen Dean are trying to perpetuate more fraud against even more unsuspecting home buyers if they succeed in stealing our house. > > The TAX CREDIT SCAM portion of the complaint: > > FINANCIAL FRAUD DAMAGES in addition to physical damages: To be clear, the electrical inspection that was slated to be done by the CSLB was not scheduled and not completed. No Electrician from CSLB documented the sledgehammer electrical damage done by Petersen Dean to the electrical wiring in the garage. > > An electrical inspection by the CSLB of the solar panels that HERO/RENOVATE AMERICA and PETERSEN DEAN promised to remove after H&R Block reviewed the documents and stated it was a TAX CREDIT SCAM, was never completed by the CSLB, probably because everyone except Building & Safety believed Petersen Dean would keep their word and remove the solar panels. Petersen Dean and HERO financing did not keep their word. HERO and Petersen Dean deliberately used the time that lying about removing the solar panels provided them, to attempt to conceal the original HERO financing documentation, destroy records and file Mechanics Liens instead of completing the job. After Petersen Dean abandoned the unfinished job, Petersen Dean’s Attorney called me and told me, “HERO had nothing to do with this.” I informed Mr. George Milionis that I still had my emails proving my HERO project was approved and I may select one of their contractors. I selected Petersen Dean. I still have these records and have made copies to a blog so they do not “disappear”. HERO and Mr Milionis may have destroyed their copies of the HERO Financing application and acceptance emails but I saved all my copies and emails. > > BUILDING & SAFETY was the first to point out that in fact it appeared PETERSEN DEAN and HERO had no intention of removing the solar panels because PETERSEN DEAN balked at requesting the SOLAR PERMIT REFUND. PETERSEN DEAN not only neglected to apply for a SOLAR PERMIT REFUND, Petersen Dean and HERO both cut off communication with me when I told them H&RBlock’s findings and that BUILDING & SAFETY verified the SOLAR PERMIT REFUND had not been applied for. At that time PETERSEN DEAN and HERO both assured me they were preparing to remove the solar panels. > > I called Helena Shi, my solar contact at Petersen Dean to tell her Building & Safety told me no effort had been made by Petersen Dean to prepare for removing the panels. At that time Building & Safety also informed me that Petersen Dean did un-permitted work on my water heater, that Petersen Dean did not get a permit to alter my water heater. This is illegal. > > Helena Shi responded to my informing her that Building & Safety told me Petersen Dean was not really applying for the solar permit refund and had not drawn a permit to alter the water heater either with, “I’m not allowed to talk to you anymore.” My financing for the project, HERO, also informed me that they were not going to talk with me anymore. I later discovered, by going to the Courthouse and asking, that during this time period that HERO and PETERSEN DEAN said they were preparing to remove the panels, in fact they were removing documentation and attempting to conceal there had ever been Hero Financing and placing two MECHANICS LIENS on our house. > > Please advise me if I need to file a second CSLB complaint to deal solely with the financial fraud aspect of this matter or verify that the financial crimes are included in the same complaint as the physical property damages are. Thank you. > > Respectfully, > > Jennifer Marshall > > Photo of Inside of the house view where exterior rotten “thirsty wood” is located. Termite shavings are now falling into the house as the termites continue to eat the rotten wood HERO/PETERSEN DEAN left on our roof: