The Math

I owed Petersen Dean approx $32,000 and after the promised $10,000 tax break it would be $20,000, which was all I wanted to spend of the $76,000 equity KEEP YOUR HOME CALIFORNIA paid on my home loan in 2016. HERO tried to get all my equity but I refused their crooked Home Depot contractor and their air conditioning contractor. 

When I found out from H&R Block that Petersen Dean was deceiving me, Petersen Dean agreed to remove the solar panels. They would only receive $10,000 from me through HERO for the roof shingles. 

The real reason Petersen Dean filed the Mechanics Liens was they did the math: 

IF they paid $4000 for a LICENSED remediation contractor to clean the stucco powder from our air vents and rooms and repaired the electrical they damaged in my garage and paid Buildings & Safety for the permit they failed to get to alter my water heater...by the time they did the right thing they would probably have a few hundred dollars of profit instead of the $32,000 they would have gotten if HR Block had not revealed the tax credit scam. 

At the last minute, the week Petersen Dean had their employee 

Helena Shi 

working with me to arrange to remove the solar panels, Peterson Dean could not resist going for $500,000.00 instead of settling for $500.00. 

They knew they made my autistic son James sicker and they knew taking his home away might be too much for him, but they did it anyway because they though we wouldn't be able to get help in our condition. They knew our finances and that we had no money for a retainer to pay an attorney. Getting an attorney on contingency would be a miracle for this sort of case. They know the pro bono attorneys that work with the government Consumer Protection programs are overwhelmed by the sheer volume of these solar scam cases. The odds of them stealing a cool $500,000 for a $500 debt was good, so Petersen Dean took the low road and committed the crime of abuse of the Mechanics Lien process.

They saw how ill James was. They used it as leverage. They mocked my cries for mercy. If James dies, Petersen Dean should go to jail for murder. 

My Autistic Son Is Not Able To Handle What Petersen Dean Is Putting Us Through

Since November 2, 2016 we have not been able to live in our house because Petersen Dean made it uninhabitable with super fine stucco  powder. Because my autistic son was already ill, they told their insurance it shouldn't matter that they filled his bedroom and his lungs with powder that triggered a horrible infection. Petersen Dean will say James was going to die anyway, so what does it matter. Petersen Dean's Mechanic's Liens also disrupted the mold remediation that was in progress in our home. Our insurance company couldn't pay for us to stay in a hotel while Petersen Dean was derailing our lives. I have had to pay for our hotel. My son has been in a tiny hotel room, away from his toys and his  stucco powder contaminated room. If we spend one night sleeping there he will probably die. He has recently fainted and gone by ambulance from our hotel to the emergency room. He stopped breathing several times. I can only afford to pay for the hotel until September 10, 2017 and then we have no place to stay. But Petersen Dean says we are just going through all this to get something for nothing. Update: Petersen Dean wrote to their insurance company : "Thus, this is ONCE AGAIN,  someone wanting something  for nothing."  My response: Dear Cap Specialty,  Regarding the May 5, 2017 letter from Petersen Dean/Kenneth B. Tsang: 1. Petersen Dean's demands to circumvent HERO's financing rules ultimately resulted in HERO refusing to finance the project. Petersen Dean is guilty of  breaching the contract and this is fully documented by Petersen Dean letters  and emails. Mr. Tsang does not accurately describe the contents of our garage. Nothing was  safely boxed. We were not moving. We were preparing meals in the garage and  using the open file boxes. We were using the garage as a base during the mold  remediation because it was clean.  3. There is never a need to do stucco work in the garage. Stucco is on the  OUTSIDE of a building. It is not an indoor surface material. There was no  need to cut stucco inside the garage. Furthermore, Building & Safety has informed me that Petersen Dean did not have a permit to alter my water heater in the garage. When Peterson Dean opened my garage to do water heater alterations without a permit, they could have prevented the massive  stucco powder incident that contaminated our house and air vents simply by  bothering to close the garage door.   4. Professional remediation services were immediately called but Petersen Dean  refused to pay Building Cleaning Services to do the job. They wanted me to allow  the electricians to use leaf blowers on our open file boxes of my son's medical records, trays of fine gold trimmed China dishes from Macy's which Petersen Dean reduced to  "silverware" because somehow using a leaf blower to clean silverware sounds better to them than referring to the actual contents of our garage being destroyed by leaf blowers.  At no time did Petersen Dean pay a licensed remediation service.  Petersen Dean attempted to loan me $500 for cleaning materials and asked me to let unlicensed strangers clean our documents and toys,  dishes and air vents.  I am sending this from a medical clinic where I am being treated for a  serious lung infection. My autistic son James has had multiple lung infections since 2016. I never had a serious lung infection like this before.  The stucco accident caused my son a serious lung irritation which  quickly became infected. My son did not have preexisting stucco powder clogging his lungs. We are not trying to get something for nothing.  Our lives are on the line because of Petersen Dean's refusal to cooperate  with the HERO financing terms and their refusal to used licensed contractors and their dishonesty about the cost of their product and their filing liens instead of keeping their agreement with HERO to resolve the cost issue by removing the solar panels.  My son and I could die as result of what Petersen Dean is putting us through just because they like to cut corners and use unlicensed contractors and fake inspections.  Sincerely,  Jennifer Marshall & son James I have reported to CSLB that a brown liquid is draining off my roof and that I suspect there is still rotten wood under the new singles because the roof is creaking and there are photos posted on Yelp by other homeowners showing Petersen Dean covering rotten wood instead of removing and replacing it. Petersen Dean told me that some of the trim (facia) they didn't replace was "thirsty wood" to explain why it wouldn't hold primer.  I have made a Yelp review because it is clear Petersen Dean intends to make my autistic son and I homeless when in fact they committed the financial crime of FRAUD and breached HERO rules and tried to force me to sign off BEFORE competition of repairs and removal of the solar panels. They would not let me see the documents they were trying to force me to sign in advance. I never experienced a business that operated with such cloak and dagger secrecy, threats and requests to explain verbally instead of in writing. The police advised me not to meet the two men from Petersen Dean who wanted to meet me in the house, alone so they could explain verbally instead of sending an email or letter like normal businesses do. https://www.yelp.com/biz/petersendean-roofing-and-solar-anaheim-2?hrid=1-0bjuTxbEIIXoBZfAUprg&utm_source=ishare&utm_content=review&utm_medium=slfo I have contacted the California Attorney General and they are keeping my letters and my blog entries about Petersen Dean and Renovate America incase they open a case. This is the blog:  PetersenDean.blogspot.com I believe Petersen Dean is breaking the law. They are putting our lives on the line in the process. They have tortured us for almost a year now, completely disrupting our lives and destroying our health. They did not get paid because HERO promises customers they don't have to pay until the job is done, repairs are made and disputes are settled. Petersen Dean demanded in writing that I sign off with HERO before they would finish work, repairs and removing the panels. They refused to pay a licensed stucco remediation contractor and made ludicrous offers to clean an entire house with one bucket of water and leaf blowers. They cannot produce a reputable, licensed remediation contractor that will testify that I refused them because I would not refuse a LICENSED remediation company. They can produce licensed remediation contractors that they talked to but refused to hire because they didn't like how much licensed remediation companies charge. They tormented me with creepy phone calls and bizarre requests to meet me alone face to face instead of putting their bizarre solutions in writing.  Attorneys I consulted found out Petersen Dean lied about proof of service and attempted to steal my home behind my back by default. If I had not been informed by these two attorneys, I never would have known Petersen Dean sued me. Petersen Dean is guilty of crimes. They are trying to destroy my son and me to keep money they are not legally entitled to and to bury their criminal acts by burying us. They are killing my autistic son. They know they made him sicker and they told me it would be a shame for him to have to suffer what their legal department would do to us if I did not sign the HERO documents BEFORE the work was done. In my heart this is murder. Petersen Dean is murdering my son because they saw an opportunity to steal a $500,000 house when they got caught red handed trying to steal $10,000 in a tax credit scam. H&R Block reviewed Petersen Dean's documents and revealed I would not save money by going solar with Petersen Dean, that I would in fact be buried in debt that would cause me not to be able to afford my house payment in a year when the deception was going to be discovered. That is how most home owners find out..a year later when they have signed away their rights as Petersen Dean bullied me to do.  I owed Petersen Dean approx $32,000 and after the promised $10,000 tax break it would be $20,000, which was all I wanted to spend of the $76,000 equity KEEP YOUR HOME CALIFORNIA paid on my home loan in 2016. HERO tried to get all my equity but I refused their crooked Home Depot contractor and their air conditioning contractor. When I found out from H&R Block that Petersen Dean was deceiving me, Petersen Dean agreed to remove the solar panels. They would only receive $10,000 from me through HERO for the roof shingles.  The real reason Petersen Dean filed the Mechanics Liens was they did the math: after they paid $4000 for a remediation contractor to clean the stucco and repaired the electrical they damaged in my garage and paid Buildings & Safety for the permit they failed to get to alter my water heater...by the time they did the right thing they would probably have a few hundred dollars of profit instead of the $32,000 they would have gotten if HR Block had not revealed the tax credit scam. At the last minute, the week Petersen Dean had  Helena Shi (510) 946-2338 Peterson Dean Solar hshi@PetersenDean.com working with me to arrange to remove the solar panels, Peterson Dean could not resist going for $500,000.00 instead of settling for $500.00. They knew they made James sicker and they knew taking his home away might be too much for him, but they did it anyway because they though we wouldn't be able to get help in our condition and with no money for a retainer to pay an attorney. They saw how ill James was. They used it as leverage. They mocked my cries for mercy. If James dies, Petersen Dean should go to jail for murder.      THE CONTRACTOR ISN'T PAID UNTIL YOU SIGN OFF, except Petersen Dean threatens you if you don't sign off in advance:  Here is another Petersen Dean customer who expressed on Yelp that Petersen Dean left rotten wood on their roof:  I don't want my son James to die because of Petersen Dean. I would be crazy not to use social media to try to save our lives.  Sincerely, Jennifer Marshall  On Aug 4, 2017, at 12:29 PM, Framke, Pat <pframke@capspecialty.com> wrote: Ms. Marshall: Petersen-Dean forwarded their February email to the CSLB in response to my inquiry about removing the solar panels.  Please see the email below.  In essence, it explains why they have not removed the solar panels from your roof. As we previously explained coverage under the bond is triggered by a violation of the California Contractor License Law which can be found in the Cal. Bus. & Prof. Code beginning at §7000.  You have confirmed Petersen-Dean was not paid for any of the work they have performed and we have no evidence the work performed was not in accordance with industry standards.   Petersen-Dean has also filed a lien as a result of nonpayment and they have advised they have commenced a lawsuit to enforce the lien.  Based on the information we currently have this appears to a contract dispute and it is not the role of the surety to settle disputes. As a reminder, we also previously explained that resulting damages, such as stucco dust, are not covered by the bond pursuant to the Cal. Bus. & Prof. Code beginning at §7000. If you disagree with our decision you may have the matter reviewed by the California Department of Insurance Claims Service Bureau; 11th Floor; 300 South Spring Street; Los Angeles CA 90012; Telephone: 1-800-927-HELP. If you have other information you would like us to review, or you receive a determination from the CLSB that there was a violation, please provide it with the understanding that Platte River Insurance Company reserves all rights and defenses in this matter. Best regards, Patricia A. Framke Senior claim specialist 1600 Aspen Commons, Suite 300 Middleton, WI 53562 direct    608.829.4256 email      pframke@CapSpecialty.com Why CapSpecialty?  View our video! Platte River Insurance Company/Capitol Indemnity Corporation reserves all rights and defenses in this matter. This e-mail and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this e-mail in error, please notify me immediately. It is the responsibility of the recipient to ensure that this e-mail is free of any virus or other defects that may affect a computer system and no responsibility will be accepted by CapSpecialty, Inc. or its companies relevant to same. From: Neha Sareen Sent: Thursday, February 02, 2017 3:21 PM To: 'lidia.moitoso-champion@cslb.ca.gov' <lidia.moitoso-champion@cslb.ca.gov> Cc: George Milionis <gmilionis@petersendean.com> Subject: CSLB File No.: SF2016009935: Jennifer Elizabeth Marshall Lidia: It was a pleasure speaking with you today.  As discussed, please allow this correspondence to serve as Petersen-Dean, Inc.’s (PDI) written statement concerning Ms. Jennifer Marshall. PDI contracted with Ms. Marshall to perform reroof services, as well as a main panel upgrade and solar system installation.  Of course, we first performed work for the reroof and Ms. Marshall was content with our work. In order to commence with the main panel upgrade, our subcontractor, Triple C Electric, performed a stucco cut. When this stucco cut was performed, Ms. Marshall’s garage door was apparently open, as well as her son’s bedroom window. Ms. Marshall complained the stucco dust appeared all over her china dishware, her garage, and her son’s toys. Ms. Marshall also claimed that the stucco dust affected her son’s lungs and lead to an infection. However, she later conveyed that the son’s respiratory infection existed prior to Triple C’s stucco cut. As a result of this, Ms. Marshall was upset.  She also informed the relevant parties that concurrent with the reroof/main service panel upgrade/solar system installation work, she was having mold remediation performed in her kitchen and her kitchen was therefore “all torn out.”  Therefore, she could not clean the stucco dust. In order to appease her concerns, Triple C Electric offered to send a crew to clean her garage. She refused. Triple C Electric then offered to rent air purifiers (totaling to approximately $500) to be placed in Ms. Marshall’s garage and her son’s room.  She refused. Ms. Marshall expressed that the only option would be to have the premises professionally cleaned (approximate cost: $2,000). As the stucco dust issue specifically concerned Ms. Marshall and Triple C Electric, she wanted PDI to commence the solar system installation.  PDI installed the solar system on Ms. Marshall’s home, and she expressed her contentment with said system via social media sites such as Twitter and Facebook. As PDI focuses on maintaining excellent client relations, and as it did not seem that Triple C Electric and Ms. Marshall were reaching an understanding, PDI proposed options to appease Ms. Marshall’s concerns with the stucco dust. An important point to note is that the reroof, main panel upgrade, and solar system installation was being funded through one of PDI’s financing partners, HERO.  In order for HERO to disburse the funds owed to PDI for its work on Ms. Marshall’s home, it was necessary for Ms. Marshall to provide HERO with a signed Completion Certificate.  This way, PDI could be paid for its work, which Ms. Marshall had only expressed contentment with.  Ms. Marshall again refused to provide us with the signed Completion Certificate, indicating that she wanted money for her home to be professionally cleaned. She even suggested that we not pay Triple C Electric, and provide her with the money that was owed to Triple C Electric.  Of course, we told her we could not do that. Ms. Marshall then asked for information concerning her savings from the solar system.  A PDI sales representative performed an analysis and provided Ms. Marshall with the same.  Ms. Marshall then took this analysis to her accountant, who opined differently.  Ms. Marshall then became upset with PDI based on her accountant’s opinion; she alleged that PDI “sold her something she did not need.” She then told PDI to take the solar system off her roof.  We informed her that we would do so but per protocol, an agreement indicating the terms of the solar system being taken off would need to be reviewed and signed, and that she would need to complete the Certificate of Completion so that PDI could at least be paid for the main service panel upgrade and reroof work.  Ms. Marshall refused to review and sign any agreement, and refused to sign the Certificate of Completion. PDI engaged in multiple attempts to work with Ms. Marshall to obtain both objectives.  Each time, she refused, would express harsh words to PDI representatives, and would often state that she did not trust “the men of Petersen Dean,” (although she had no issue with female personnel) and that PDI personnel could not be near her home unless escorted by the police. At this point, HERO has cancelled her loan. PDI has not been paid for its reroof and main panel upgrade services as Ms. Marshall refused to sign the Certificate of Completion. A lien has been filed for the amount owed to PDI. Ms. Marshall is not willing to follow basic protocol of reviewing and signing documentation solidifying the terms of the removal of the solar system so that the removal process can commence. Rather, she has sought to post allegedly defamatory statements about the company on various social media sites. Overall, although the initial issue was between Ms. Marshall and Triple C Electric, in good faith PDI expended significant efforts in order to appease Ms. Marshall’s concerns. Ms. Marshall has not been reasonable in working with either Triple C Electric or PDI towards a solution.  Please feel free to contact me with any questions or concerns.  Thank you.   Neha Sareen, Esq. Deputy General Counsel Petersen-Dean, Inc. 39300 Civic Center Drive, Suite 300 Fremont, CA   94538 Phone: (510) 371-6518 Fax: (510) 494-2740 nsareen@petersendean.com

Petersen Dean Roofing And Solar Routinely Abuses Mechanics Liens

Petersen Dean brags about their legal prowess. Petersen Dean knows how to game the system. I was warned that Petersen Dean might not properly serve me court documents but I didn't believe they would do something so stupid.  They did. They lied to the court and maintained that they served me. I was never served the documents. All documents I have I purchased myself from the courthouse.

What to do if Petersen Dean puts a Mechanics Lien on your property?

When Petersen Dean puts liens on your property to coerce you into signing documents that will harm you, after you report them to the Contractor's State Licensing Board, send them a polite letter asking them to remove the invalid liens from your property.

It is an abuse of the Mechanics Lien process to use liens to bully customers into signing documents that will remove all their rights to sue Petersen Dean. Don't sign anything once your realize something is wrong. I am searching for an attorney who will help me on contingency. In the meantime I have reported Petersen Dean to government agencies.

FROM: Jennifer E. Marshall

April 9, 2017

VIA CERTIFIED MAIL

TO: Petersen Dean, Inc.

39300 Civic Center Drive, Suite 300

Fremont, California 94538

RE: INVALID LIEN 20170093119

       INVALID LIEN 29170093193

Dear Petersen Dean, Inc,

I was not served a copy of the two liens in question. I purchased copies from the courthouse in El Segundo, California via check and have the receipt. 

Both liens are invalid because they do not adhere to the strict time frames and lien requirements.

Both liens are invalid because the job was abandoned by you on November 2, 2016. 

The work and necessary repairs were not completed. The stucco powder you refused to hire Building Cleaning Services or any other reputable cleaning service to remove has drifted and contaminated the entire house making it uninhabitable. Numerous contractors interviewed to rebuild the kitchen refused to enter the house until the stucco powder is remediated as it made them instantly feel sick. I suffered a bloody nose, sore throat and burning eyes. My autistic son James developed a severe lung infection. Assurant Insurance paid for air quality testing of the entire house. The powder you refused to remove from my son’s room on November 2, 2016 has contaminated the air vents and the carpeting and is everywhere now. The mold remediation being done in the kitchen by Assurant was disrupted by your abandonment of the job on November 2, 2016 and put on hold until you made the air quality safe again, which you still have not done.

The solar panels are not in use. You agreed in writing to remove the solar panels after H&R Block examined your figures and determined that I would not receive ANY of the savings, that it was a tax credit scam. You did not remove the panels as agreed. The roof is creaking and you did not fix that or any of the items you previous agreed to repair. A complete list of everything you didn’t finish and left in disrepair is attached to the CSLB claim and is being verified by the Contractors State Licensing Board Case Number: SF20169935.

I hereby request that you immediately remove both of the invalid liens. If I have to hire an attorney to make you remove the invalid liens, I am instructed to remind you that I am entitled to be awarded all reasonable attorney fees.

Sincerely,

Jennifer E. Marshall

Exposing RENOVATE AMERICA and PETERSEN DEAN SOLAR

PETERSEN DEAN ROOFING AND SOLAR in partnership with RENOVATE AMERICA are taking homes away from US Citizens at an alarming rate. Government agencies and pro bono and contingency attorneys are swamped with homeowners who cannot afford and attorney to stop the theft of their homes, everything they have worked for all their lives.

The only way to protect yourself is never to do business with RENOVATE AMERICA, also known as the HERO PROGRAM. They promise to protect you, especially if you are a senior citizen. They claim to have a Senior Protection Department but it turns out just to be regular customer service and they chastise you if you report to them that their contractor is cheating. If you complain enough, they withdraw financing and let their crooked contractor take your home immediately via Mechanics Lien instead of stealing your home a year after the repair when the nasty truth surfaces that you are not in the tax bracket to get the deductions they promised would save you $10,000 or more.

Programs like RENOVATE AMERICA let their "vetted" contractors explain how you can do home repairs you thought you could not afford by paying via your property taxes.

The truth is, if you cannot afford to repair your home, you are not in the tax bracket to write off the repair expenses. RENOVATE AMERICA and their contractor PETERSEN DEAN know this and they know you won't find out until a year after the repair, when all the contracts are signed and you have no legal rights anymore.

This blog will reveal the criminal activities of HERO/RENOVATE AMERICA and PETERSEN DEAN ROOFING AND SOLAR to save people from getting hurt. If you are being hurt by these criminals, we will share our resources with you so you can seek help.

First step: Report PETERSEN DEAN to the CSLB, your Contractor's State Licensing Board. In California it is at CSLB.ca.gov

Second step: Report RENOVATE AMERICA to the CFPB, the Consumer Financial Protection Bureau at ConsumerFinance.gov

More information to come.

This is Petersen Dean. 

Petersen Dean is desperate for money and is an expert in using Mechanic Liens to seize and sell homes so fast that most seniors and disabled homeowners he targets don't have a fighting chance to find legal representation in time to stop him.  Petersen Dean can turn a simple home repair into a nightmare for the homeowner and a gold mine for himself.

RENOVATE AMERICA is guilty of false advertising. RENOVATE AMERICA looks the other way when their contractors rip off homeowners. They are partners in crime with their contractors. They will not rescue. They will recede and watch PETERSEN DEAN steal your home via Mechanics Lien instead of resolving the dispute. The dispute is usually that PETERSEN DEAN did not finish the job or damaged property or covered up rotten wood instead of replacing it.

In future posts I will explain how PETERSEN DEAN terrorized me and my autistic son with sadistic threats and creepy suggestions.

Even people who work at PETERSEN DEAN are afraid of PETERSEN DEAN. PETERSEN DEAN does not care if their actions ruin lives and cause death. They operate like mobsters. If you are dealing with them, do not try to handle it alone. Talk to the police. Contact your City Attorney's Office. Ask for help. These are dangerous people. They care about getting as much money as fast they can, anyway they can. They do not care about human life.

PETERSEN DEAN offers many deals and discounts that "disappear" or expire. You are asked to LISTEN to offers instead of being given them in writing. You are told the savings will come a year later when the bill hits. They are long gone when the year is over and you find out the "savings" were verbal hogwash, that only millionaires would qualify for the tax breaks.

RENOVATE AMERICA/THE HERO PROGRAM tells you they have a Senior Citizen Protection Department. They do not. It is just a photo on the website. It does not exist.  It's just regular customer service and they don't like complaints about their contractors. RENOVATE AMERICA told me that my financing with them "expired" after I reported their contractor to them.

More information to come. Stay tuned.