Saturday, March 31, 2018

PETERSEN DEAN ATTEMPTS TO COVER UP DECEPTIVE HERO FINANCING





RENOVATE AMERICA and PETERSEN DEAN are engaged in a deceptive form of financing that does not appear to be regulated like other financing.




BC661819
CSLB SF 2016 9935 

Dear Ms Bell, 
The judge in case BC661819 wanted me to talk to Petersen Dean’s Attorney. George Milionis never returns my calls. I assume he told you to make this inappropriate offer. This action suggested by you would cover up the HERO and PETERSEN DEAN financial fraud.

The job in question was never properly finished, the solar panels were never turned on because we all agreed they needed to be removed because it was a tax credit scam. 




Petersen Dean and HERO agreed to remove the solar panels when HRBlock reviewed the documents and determined the figures were padded and I would not save one penny by going solar. In fact, I would be in severe, crippling debt till I was 88 years old. No one in their right mind would go solar to get in severe debt. I was told I would save money but that was a bold lie, a blatant tax credit scam.

This rough estimate given to Cap Specialty will help you begin to calculate our ongoing loss. What Petersen Dean has done to my autistic son has caused him permanent physical and psychological damage. That has not been calculated and is ongoing. A court will determine it. 




It is inappropriate to keep making a shell game of the financing. Petersen Dean’s idea of financing is not like that of any business i have ever seen or heard of. The mafia “finances” this way, changing terms out of the blue and bullying people. We have been living in hell since November 2, 2016. Petersen Dean has held us in excruciating limbo every moment  of every night and day since. Petersen Dean took our lives away. Petersen Dean needs to make us whole again as much as that is possible. It is like being a prisoner of war. You cannot image how much this hurts unless someone does it to you. The pain could not be worse if a serial killer had kept us in a pit since November 2, 2016. My son and I will never fully recover. My son is hurt physically and mentally because of Petersen Dean’s and HERO’s crime spree.

Due to my financial circumstances I ONLY qualified for HERO financing. The CFPB has documentation of this fact as do the three credit bureaus. I NEVER applied for any other type of financing. Petersen Dean cannot change that reality. 

I had HERO financing and Petersen Dean violated the terms of the HERO Program. You need to contact HERO and pick up where you left off and do the right thing, calculate all our loss and cover it. There is not a legitimate business in the would that does this bait and switch type financing. That is criminal. 




There is a legal case BC661819 and there is an open case with the CSLB. CSLB SF 2016 9935. My financing was with HERO. It was illegal to revoke my financing. Also, the Attorney General will be reviewing the matter and I will probably be called testify to my ongoing losses caused by Petersen Dean. It would be more appropriate for Petersen Dean’s Attorney to contact me as the judge suggested. It is not appropriate to keep trying to conceal the HERO financing simply to cover up that it clearly was a tax credit scam. It is unpleasant for Petersen Dean and HERO to deal with the reality of being caught attempting to get away with a tax credit scam, but attempting to cover up that crime is just adding more layers of crime. Bullying the victims is also criminal. It is time to stop torturing us and do the right thing. 

Sincerely, 
Jennifer Marshall 


On Mar 30, 2018, at 3:32 PM, Brittany Bell <
bbell@petersendean.com> wrote:
Hi Jennifer,

I am reaching out because we recently aligned with Spring EQ mortgage company to help our customers who went with the PACE program. This will lower your interest rate and monthly payment by refinancing out of the program and I would like to schedule an appointment and see if you have any interest in looking into this.

Please advise a good time to call. 

Thank you! 


Brittany Bell
Lead Generation Representative
PetersenDean Roofing and Solar
Office: (916) 526-0464






Wednesday, March 28, 2018

PETERSEN DEAN ATTORYNEY REFUSES TO COMMUNICATE CASE BC661819

ON MARCH 22, 2018 THE JUDGE IN CASE BC661819 SAID I SHOULD TRY TO COMMUNICATE WITH PETERSEN DEAN. 

PETERSEN DEAN IS NOT LIKELY TO COMPLY WITH THE JUDGE'S SUGGESTION THAT WE COMMUNICATE. SO FAR THEIR ATTORNEY HAS REFUSED TO ANSWER MY CALLS OR RESPOND TO EMAILS FOR WELL OVER A YEAR.

Case BC661819


Dear Petersen Dean, Michelle Meyer,
The judge in BC661819 said we should communicate. Your brief email also welcomed me to ask questions. 

I have asked this one question many times for several years but Petersen Dean and HERO both have refused to answer this question since November 2016: 

“In 2016 my credit score was 420 and dipped lower due to a problem with OCWEN that the CFPB investigated. Dave Shanholtzer was aware that HERO financing was the only type of financing that I was qualified. This is also heavily and fully documented in CFPB records. The only financing I qualified for in 2016 was HERO financing. 

My question:
How did George Milionis and Matthew Monning expect me to be able to pay after they conspired with Damon Sherman of HERO to circumvent the terms of the HERO financing contract that Petersen Dean wanted nulled by revoking the HERO financing? 

HERO’s first response was to resolve the problem of HR Block discovering that it was a tax credit scam by removing the solar panels, by doing the right thing. 

The solar panels were to be removed in the same time period that Petersen Dean filed 2 Mechanics Liens INSTEAD of removing the panels as agreed. Petersen Dean employees including Helena Shi are witnesses to the fact that the solar panels were to be removed. Not all of them can be convinced to commit perjury under oath and claim they were not coordinating with me regarding removing the panels while George Milionis was pulling a fast one and filing 2 Mechanics Liens that HERO’S Damon Shermon assured me Mr Milionis was not really going to file. Mr. Damon Sherman told me that George Milionis was not really going to file a lien on my home. I believe these coordinated lies were orchestrated to buy time and stall me from reporting to the CSLB so that Petersen Dean could seize my home before the CSLB could do inspections and investigate the matter. With hindsight I wish to God I had filed the CSLB complaint in November 2016 instead of trusting Mr. Damon Sherman at HERO and his friend Mr. Matthew Monning at Petersen Dean when they assured me I was protected by the HERO SENIOR PROTECTION PROGRAM, which after months of delays I learned does not really exist. No protection from Petersen Dean violations of HERO promises was afforded to me and on two occasions HERO claimed they would no longer finance the project. HERO dumped me, then denied (in writing) dumping me, then dumped me again and refused to communicate with me. I never heard of a bank or financing company doing this to a customer before. I can only think it must be an attempt to cover up financial crime that an investigation would uncover. George Milionis told me “HERO has nothing to do with this, that from now on it is only you and me”. 

I cannot imagine that any customer would be convinced not to tell anyone that they started out with HERO financing but after a construction accident that the contractor did not want to pay a licensed contractor to remediate and then HR Block examining the documents and reporting the figures were padded and that it was a very bold lie that “it would pay for itself” when in fact it would cost me three times more for electricity than if I didn’t go solar, I cannot imagine this sort of intimidation working unless the threat of violence was added to it. Kyle Smith, Matthew Monning and other men who called to intimidate me kept insinuating that if I did not meet them alone at my property and sign the document they would bring with them, it would be beyond my imagination the suffering my son and I would face if they had to hand me over to George Milionis for not doing as they told me. I did not know what that meant but I told my home insurance adjuster Mr. David Klein that I was so grateful that he had us in Emergency Housing where the hotel staff would protect us if any Petersen Dean thugs tried to force me to sign the document. The staff of the Marriott helped me fax documents and make copies to mail to the CSLB so we would not have to go to our gutted house to use my fax there where I might get trapped alone with men from Petersen Dean. Kyle Smith wanted to come by himself to meet me at my house and stay with me for days cleaning the stucco powder why my ill son sat in a car the whole day each day. I told him that was crazy and there was no water source. He kept pushing the idea, offering to loan me $500 of his own money to pay for equipment I would need from Home Depot so he and I could work together instead of Petersen Dean hiring MIDA REMEDIATION or any of the other remediation companies to do the work safely. Matthew Monning wanted two men to meet me alone in the gutted house. 

On one occasion when I came to the house to get mail and documents, I saw a shadow in the garage and screamed. It turned out to be nothing but my son also had become afraid of our house as well. I don’t know what the Petersen Dean men might have done to me if I met them alone like they kept pressuring me to in November and December 2016. My fear was that they would cause some kind of “accident” for me and my son to prevent me from reporting the strange financial manipulations they were doing. 

Employees at BUILDING AND SAFETY may also be brought forth to testify that at that time they confirmed Petersen Dean did not apply for a solar permit refund in January 2017 and also confirmed Petersen Dean had not bothered to get the permit they needed to alter my water heater on November 2, 2016. 

The question again:
“How did Petersen Dean expect a home owner to pay when they conspired with HERO financing to revoke the only financing, the only method of payment the homeowner qualified for in 2016?”

Please answer the question that you have refused to answer for two years. The judge said he wants you to communicate with me. Please answer this question that goes to the heart of this case. 

Refusal to answer this question makes this unlike ANY financing done by ANY other bank and financing institution in the nation. 

Bank of America, Citi Bank, Synchrony Bank, not even OCWEN asks customers to forego having a hard copy of a proposed, amended contract mailed to them and instead meet them at a construction site where they will have $2000 in one hand ( half of the $4000 MIDA estimated for the remediation and none of the money for the electrical damage and rotten wood) and the mystery contract would be in the other hand, the $2000 to be released from the one hand upon signature of the contract in the other hand. Mr. Matthew Monning described this to me.

The police in at the police station in San Pedro told me not to go to this “meeting”, to consult a lawyer instead. 
Said meeting to be held here:




If it looks like, acts like, is conducted like, and functions like “mobster” financing, it probably is financial fraud, it probably is illegal, mobster financing. 

The way Petersen Dean men I had never met before suddenly started calling me, threatening me, desperately attempting to force me to sign documents they wouldn’t dare mail me no matter how many times I requested a hard copy and told them no more “electronic” signatures deposited on documents, the way they hounded me and hanged up on me  was suspicious and grew to be terrifying because different Petersen Dean men kept insisting upon meeting me alone in a gutted construction site have me sign the document they refused to mail to me. It was not normal. No business had EVER acted this way. I feared they were mafia. I went to the police because it was terrifying and I feared for our lives. No business in my life EVER conducted business this way and I am 65. I have seen a lot of businesses and NONE of them acted like that. I have ONLY heard of mobsters operating this way. I have NEVER heard of a legitimate business operating this way. 

Please answer the question and explain why your client simply revokes financing when they suddenly no longer want to comply with the terms of that financing and why this should be a legal option for any business in the USA to be able to revoke financing when they suddenly find the terms inconvenient? How is this even remotely legal? If all businesses were allowed to revoke financing when the mood struck, there would be no way to regulate and no consumer protection possible. 

I have been waiting years for your answer. 

Sincerely, 
Jennifer Marshall 





Dear Michelle Meyer, 

My question is where did the HERO contract disappear to? It clearly states that the job is not to be paid until all repairs are made. (See copy of HERO ad below). Repairs were not made and on the week Helena Shi of Peterson Dean Solar stated the solar panels were to be removed as agreed with me, HERO and Petersen Dean, the Mechanics Liens were placed instead of abiding by the resolution agreed upon. 

Also, is Petersen Dean appealing the CSLB violations to buy time to seize our home before the CSLB hearing with the Attorney General. Is it your intention to tell the Attorney General that the CSLB violations no longer matter because you have seized the property in question and you don’t care if there is rotten wood, damaged electrical, air vent stucco powder remediation still to be done and a sharp ongoing decline in the health of James Marshall due to the years of intense stress Petersen Dean promised to inflict unless we signed a document in November 2016 to give up all our rights BEFORE Petersen Dean would do the repairs and remove the solar panels. 

James Marshall might die as a result of the promised and delivered “unimaginable” stress I was warned about by Petersen Dean’s Kyle Smith and other Peter Dean men who called with the same ultimatum of what would happen if we did not sign the document. My son’s health is rapidly declining. 

Are you doing this to us to attempt to get out of having the CSLB violations show on your record? 

The judge in BC661818 said we should try to communicate. The judge does not yet know Petersen Dean told me there would be no more communication if I refused to sign that form. I was informed in writing by George Milionis what my ONLY options were....which was a clear violation of the HERO contract and the reason you concealed that contract from the law to date. 

None of my phone calls have been returned by Petersen Dean since the Illegal ultimatum. HERO also refused to speak to me after they revoked the financing so you could begin the Mechanics Liens process on the unfinished job. 

Both Petersen Dean and HERO blocked me on twitter, an unheard of action in the legitimate business world. Delta, United, McDonalds, Target, Bank of America and any reputable business you can think of have that in common, they don’t block customers. Refusing to speak to a customer, concealing the original contract, attempting to bribe and threaten a customer is not normal. We have been in fear for our lives since we experienced your idea of “business”.

You promised to make us homeless and we have lived in terror every moment since November 2016 when you ended normal life for us with your illegal ultimatum....”sign or face an “unimaginable” irreversible fate.”

I pray it is reversible and that James does not die. 

Let me know clearly what your intentions are and what you hope to accomplish by what you are doing. Our financial damages as a result of your ongoing and wrongful actions against us far exceed what you claim we owe you. If my son dies as a result of your unrelenting and unjustified acts, I pray your license is revoked and that your partner HERO / Renovate America is also barred from trapping families in a no way out tax credit scam so that no more families will ever have to suffer this again. 

Let me know what you expect to gain by your illegal actions. We deserve to know the truth. Is it to hide bigger crimes? Do you expect the truth to die with us and escape prosecution for financial fraud? 

Sincerely, 
Jennifer Marshall 
















 THE JUDGE SAID I SHOULD TRY TO COMMUNICATE WITH PETERSEN DEAN.

TO DATE THIS IS THE ONLY COMMUNICATION FROM PETERSEN DEAN AND IT WAS ONLY SENT BECAUSE THE JUDGE SPECIFICALLY ORDERED PETERSEN DEAN TO SEND IT.

PETERSEN DEAN TOLD THE JUDGE THAT THEY DID NOT HAVE MY EMAIL. THE JUDGE REMINDED PETERSEN DEAN THAT MY EMAIL WAS ON ALL THE COURT DOCUMENTS BUT READ IT OUT LOUD TO PETERSEN DEAN AS WELL SO THERE WOULD BE NO EXCUSE. THE JUDGE ALSO ORDERED PETERSEN DEAN TO SERVE ME DOCUMENTS PROPERLY BUT THAT REMAINS TO BE SEEN IF PETERSEN DEAL WILL COMPLY.

PETERSEN DEAN LIED TO THE JUDGE AND CLAIMED THEY ALSO HAD NOT BEEN PROPERLY SERVED. I REMINDED THE JUDGE THAT MY PROOF OF SERVICES WERE STAMPED BY THE COURT AND FILED WITH THE COURT AND EACH DOCUMENT HAD BEEN SIGNED BY A UNITED STATES POSTMASTER WHO WOULD BE AVAILABLE TO TESTIFY IN COURT IF NEEDED THAT THEY DID MAIL THE DOCUMENTS. I USED POSTMASTERS INSTEAD OF JUST ASKING REGULAR CITIZENS TO DO THE TASK BECAUSE I KNEW PETERSEN DEAN WOULD ATTACK THE INTEGRITY OF A REGULAR CITIZEN.

PETERSEN DEAN COMMITS PERJURY AS IF IT MEANS NOTHING TO DO SO. HOPEFULLY PETERSEN DEAN WILL BE HELD ACCOUNTABLE FOR THE MULTIPLE COUNTS OF PERJURY WHEN THIS CASE IS RESOLVED.







On Mar 27, 2018, at 9:29 AM, Michelle Meyer <mmeyer@petersendean.com> wrote:
Hello, Ms. Marshall: 

Attached you will fine the Notice of Case Management Conference and proof a service. A hard copy will follow this email via first class mail. Should you have any questions, please do not hesitate to contact me. Thank you, have a wonderful day.

Michelle D. Meyer
Case Assistant
PetersenDean Roofing and Solar