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 

PetersenDean.blogspot.com

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

12150 Tributary Point Drive

Suite 250
Gold River, CA 95670

Office: (916) 526-0464

Email: bbell@petersendean.com

PETERSEN DEAN TELLS CAP SPECIALTY THAT AUTISTIC BOY WAS SICK BEFORE THEY HURT HIM

Petersen Dean and partner The HERO program both know they are killing my autistic son. Petersen Dean put in writing to their insurance company, Cap Speciality, that James was sick before they doused him with baby fine stucco powder, causing a massive lung infection. Petersen Dean and HERO tried to hold two opposite positions, claiming they never knew James was sick while insisting he was already sick while they continue to stress him and make him weaker with each passing month. Petersen Dean filed Mechanics Liens on a job that wasn't finished. This translates into stressing James to death for nothing, for liens that will ultimately be declared invalid.

Petersen Dean, in a written letter to CapSpecialty Insurance, stated that my autistic son James was sick before they made him sicker by filling his lungs, his bedroom, the air vents of the house with baby fine stucco powder.

Both Petersen Dean and HERO reneged on the promise to remove the over-priced solar panels, which would have taken an enormous stress off our family by ending the threat of losing our home to a tax credit scam. 

I want that solution honored and we need to be compensated for the deliberate disruption of the mold remediation. Petersen Dean needs to reimburse us for wasting all our Emergency Housing time and they need to pay for the mold remediation if it is no longer covered due to statutes passing because of HERO’s and Petersen Dean’s willful disruption of the remediation and willful endangering of our lives and willful stressing my autistic son beyond his ability to survive. 

I have held my completely unresponsive son in my arms, waiting for the ambulance, fearing he was not going to start breathing again.... too many times since Petersen Dean derailed our lives November 2,  2016. James recently stopped breathing on three occasions. James was in the emergency room 5 times in September 2017. He is seeing a cardiologist today. James cannot survive the disruption HERO and Petersen Dean have and continue to cause to his life. 

The tax credit scam was revealed by H&R Block in 2016. HERO and Petersen Dean agreed to settle by removing the panels. That was and is the only honest solution available. 

What Petersen Dean and HERO subsequently decided to do was dishonest and amounts to destroying us in an attempt to destroy evidence of the tax credit scam. 

Petersen Dean and HERO were both aware of James’s illness in 2016. They also knew we were in Emergency Housing. They saw the mold remediation in person, in progress and saw James barely able to walk. They routinely called us at the hotel many times and arranged times for us to drive to the house to open the house and side yard safety gate so they could access their materials stored in our backyard. Petersen Dean employees saw when James was too sick to get out of the car. Petersen Dean employees were face to face with me when I told them I had to leave early before they were done working because James needed to go to the ER. I told them to just close the side yard and backyard gate and I would come back after the ER to lock up. 

HERO and Petersen Dean have all but killed James Marshall with stress that they never should have imposed upon him in their effort to bury their tax credit scam and both HERO and Petersen Dean should pause and reconsider the horror their deliberate choice has caused James before it is too late to turn back. 

Pulling this scam on a household with an autistic family member is heinous enough, but trying to get away with this tax credit fraud on a family with an autistic man with serious health problems is unconscionable. 

Many of James’s doctors warned us that the stress of merely changing hotel rooms could be detrimental to James. Petersen Dean deliberately wasted ALL our Emergency Housing with this uncalled for misuse of the Mechanics Lien process on an incomplete job and in September 2017 pushed us into that unimaginable hell they bullied us about and “promised” us in 2016 if we refused to just submit to the tax credit scam and just let HERO take our home in a year when the balloon hit. 

Petersen Dean’s effort to make HERO “disappear” and revoke the only financing we were qualified for so Jim Petersen could isolate, corner us, treat us like animals being killed for sport and terrorize us for an entire year is the unimaginable cruelty that I was PROMISED would happen by Petersen Dean’s employee Kyle Smith. Mr Smith warned me that if I did not sign a document saying that work that was not really done WAS done (and STILL has not been done) and sign away all our rights, that attorney George Milionis would bring unimaginable stress upon us and Kyle Smith said to me that he knew James was ill and that James had a very difficult year (2016) so it would be a shame to subject James to what unimaginable stress Petersen Dean’s legal department was going to bring us. He kept saying “unimaginable”.  

The staff of the Marriott hotel can help you imagine what has happened to James. They ran to our hotel room to get my car keys while I held my unconscious son on the concrete in front of the hotel waiting for ambulance so I could follow the ambulance to the emergency room. They made broth for James when he couldn’t eat. They saw my son suffer and deteriorate month after month from the cruel stress HERO and Petersen Dean heaped on us for a whole year to attempt to bury all evidence of their tax credit scam. 

HERO and their contractor / partner Petersen Dean seem willing to bury my son James even though it will not really bury all the evidence that they attempted to pull a tax credit scam upon us. Petersen Dean has already told Cap Specialty that James was sick BEFORE they doused him with stucco powder. 

James could be having a happy life now if he hadn’t been forced to endure this intense, DAILY, nonstop cruelty. James could have recovered. He never would have become this sick if Petersen Dean and HERO never entered our lives. He could have had a long, happy life. At this point HERO and Petersen Dean need to re-evaluate what they have done and are doing. Causing James Marshall to die is not going to erase evidence of fraud.

Sincerely, 

Jennifer Marshall 

BAIT AND SWITCH, THE RENOVATE AMERICA TRAP

The Consumer Financial Protection Bureau is investigating this relatively new type of financing of home improvement.

The California State Contractors Licensing Board is so inundated with complaints about work done via this form of financing that they had to create a new department to handle the sheer volume of complaints.

What you need to know about the claims and promises of protection and safety that the HERO PROGRAM and parent company RENOVATE AMERICA make is that all the promises can vanish in an instant. HERO and RENOVATE AMERICA can pull the rug out from under you and revoke your project's financing without warning if you catch one of their contractor's cheating, lying, damaging your property, failing to complete work properly or failing to get the required permits to do work.

HERO and RENOVATE AMERICA will revoke your financing and their contractor's attorney, Mr. George Milionis will tell you and the court that HERO / RENOVATE AMERICA has NOTHING to do with the BREACH OF CONTRACT case they file against you with MECHANICS LIENS to seize and sell your home. Mr. Milionis will do his best to make sure the judge never finds out that there was ever a HERO PROGRAM contract. Mr. Milionis is well aware that customers who need to use HERO PROGRAM financing need to because they don't have good credit and don't have $32,000 cash to pay for a roof and solar package (which Elon Musk sells for $10,000).

HERO and RENOVATE AMERICA will draw you in, tempt you with having air-conditioning for the first time in your life with "affordable solar" but if you find out that it is a tax credit scam, that you will not be able to afford your house payment when the balloon that was supposed to be a discount hits, if you don't sign off to let HERO and RENOVATE AMERICA seize and sell your home, they will vanish, like magic and Mr. George Milionis will terrorize you and your family, demanding $32,000 cash or he will sell your house and make you and your family homeless.

You need to know this. RENOVATE AMERICA and HERO PROGRAM will vanish like ghosts. Mr. George Milionis is proud of his ruthlessness towards homeowners. When you are being coaxed to get home improvements by RENOVATE AMERICA / HERO, they make it seem like you will be safe, protected from crooked contractors. From my personal research, most of their contractors overcharge and many do sloppy work, taking short cuts and skipping getting necessary permits for their financial benefit. If you try to use HERO'S "Senior Protection Program" you will find it is only regular customer service and they will get angry at you, not their contractor. If you seriously expect your contractor to correct problems before you sign off, HERO / RENOVATE AMERICA will revoke financing and Attorney George Milionis will make you fight for your life, your family, your home, and everything you worked so hard for all your life.

Do not believe the RENOVATE AMERICA ads such as the one above. They will protect the contractor and help Attorney George Milionis take away your home. RENOVATE AMERICA / HERO will not protect you. If they cannot seize your house, they will do everything they can to help George Milionis seize your house. They will tell the court that they have nothing to do with your project, that it was always just you and Mr. Milionis.