Showing posts with label Department of Justice California. Show all posts
Showing posts with label Department of Justice California. Show all posts

Thursday, July 26, 2018

REPORTING CRIME: DEFENDANT'S REPLY IN OPPOSITION

NOTATION: This kind of crime is out of control in CALIFORNIA. Property tax financing is not well regulated and contractors like PETERSEN DEAN conspire with HERO FINANCING to take advantage of the lack of regulation. The section of the population they victimize most, the elderly and disabled are usually unable to pay to retain an attorney and legal aid is inundated by the epidemic.
    





Jennifer Marshall


Temporarily Self-Represented




SUPERIOR COURT OF THE STATE OF CALIFORNIA
COUNTY OF LOS ANGELES

PETERSEN DEAN, INC.
                                         Plaintiff,
            v.
JENNIFER MARSHALL,
                                        Defendant
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Case No.: BC661819

DEFENDANT’S REPLY IN OPPOSITION TO PLAINTIFF’S SUPPORT OF PLAINTIFF’S MOTION TO STRIKE AND CONCURRENT DEMURRER
DECLARATION OF JENNIFER MARSHALL

Date: August 1, 2018
Time: 8:30 AM
Notice of Intent to Appear by Telephone by JENNIFER MARSHALL

TO THE COURT, ALL PARTIES, AND THEIR COUNSEL OF RECORD:
        Defendant JENNIFER MARSHALL hereby respectfully submits this REPLY in OPPOSITION of
PLAINTIFF’S DEMURRER, concurrently filed with a MOTION TO STRIKE.
                                                                   INTRODUCTION
        1. I, JENNIFER MARSHALL am the DEFENDANT in this action and I am currently forced to be in pro per but I am not qualified to represent myself and I am suffering mentally and physically due to the prolonged and illegal actions of PLAINTIFF. I am a victim of crime. PLAINTIFF has committed crimes that have destroyed my life and the life of my autistic son JAMES MARSHALL.
        2. DEFENDANT has failed to file and serve an OPPOSITION in a timely manner because to do so would have endangered the life of her autistic son JAMES MARSHALL. Our local police can be called upon to testify in court that JAMES MARSHALL has been suffering from toxic stress as a result of his living conditions caused by PLAINTIFF and that they, the police had to explain to new neighbors that JAMES MARSHALL is screaming nonstop, suffering insomnia, exhibiting severe separation anxiety to the extent that he screams if his mother is not visible to him and the police have witnessed JAMES MARSHALL in this state of toxic stress and have witnessed that the condition the house is in as a result of PLAINTIFF disrupting mold remediation and blocking DEFENDANT’S access to equity for JAMES MARSHALL’S badly needed DENTAL SURGERY as well as restoration of JAMES MARSHALL’S home so that it is safe to live in again. The state of the home is frightening for an adult and completely overwhelming for an autistic person. The police kindly asked DEFENDANT if there was anything they could do. DEFENDANT replied that doctors reported that they felt as if their hands were tied and they were at a loss what to do because the problem is environmental, being caused by an outside force and we are all powerless to make PETERSEN DEAN stop this immediately, we are trapped in a long process that is ripping JAMES MARSHALL apart. The police have witnessed the frightening looking environment that is distressing JAMES MARSHALL so badly and said they would explain to concerned neighbors that JAMES MARSHALL was not being assaulted, that he is in pain but unable to take pain medications and sedatives due to allergic reactions and that the source of his pain cannot be addressed until this legal case is resolved, allowing access to home equity to pay for his surgeries not covered by MEDICARE/MEDICAL. DEFENDANT and her son have to try to hang in and stay alive. The police can testify that they witnessed that it is impossible to have a complex conversation, to do paper work or read while JAMES MARSHALL is in this state and that to attempt to do so would be endangering JAMES MARSHALL’S life and a criminal offense of unjustifiable neglect. In this state JAMES MARSHALL attempts self-injury. The entire neighborhood is aware of JAMES MARSHALL’S suffering, his fear of his own home and his being trapped in limbo regarding his dental surgeries. When new people moved into the neighborhood, they called the police because the intensity and months of duration of JAMES MARSHALL’S screams frightened them.
         DEFENDANT’S son has had a few days of calm and DEFENDANT immediately called attorneys to request representation. With each call, JAMES MARSHALL showed signs of increased anxiety and began clapping his hands nonstop, which he does before he regresses into full on head-banging. DEFENDANT spoke to ROMAN E. DARMER of the law firm of JONES DAY. MR DARMER heard JAMES MARSHALL crying for DEFENDANT not to talk on the phone, not to talk about this case. The mere act of discussing this case drives JAMES MARSHALL to scream and hurt himself. He has also become terrified of people talking to his mother. He reacts as if everyone might hurt us as PLAINTIFF has. MR. DARMER of JONES DAY put us in contact with PUBLIC LAW CENTER. I reported to PUBLIC LAW CENTER that I was also beginning to show signs of toxic stress myself, that I was forgetful, experiencing shortness of breath, dizziness and constantly fighting off a feeling of  utter dread and panic that we will lose our home, that I felt I was also succumbing to the YEARS of unrelenting stress. While PUBLIC COUNSEL and BET TZEDEK has not been able to help us because they are inundated with homeowners who have been scammed like we have been, fortunately PUBLIC LAW CENTER was able to begin the intake process and will try to match us with a PRO BONO attorney. I am on my last leg. I will not survive without help. I do not know how my son JAMES and I survived approximately two years of this unjustified abuse from PLAINTIFF. LEIGH E FERRIN, Directing Attorney, Consumer Law & Pro Bono of PUBLIC LAW CENTER, 601 Civic Center Drive West, Santa Ana, CA 92701 told me that unfortunately she would not be able to match us with a pro bono attorney in time for the AUGUST 1, 2018 hearing. MS FERRIN said she would need several weeks. Therefore, I respectfully ask that the court grant additional time for MS FERRIN to process and match us with the correct attorney for our case.
        3. Furthermore, as DEFENDANT believes PLAINTIFF is guilty of serious crimes, she asks the court to consider that PLAINTIFF is so keenly desperate to avoid a trial by jury because PLAINTIFF knows full well that the discovery process will unearth those white collar financial crimes. PLAINTIFF has exhibited patterns of behaviors that suggest consciousness of guilt and a burning need to avoid discussing any of the details of the extremely strange and illegal financing of 2016. PLAINTIFF simply wants the court to fork over DEFENDANT’S home to them and be done with it. DEFENDANT has expressed her concern that GEORGE K MILIIONIS is guilty of crimes in a complaint to the STATE BAR which is attached as EXHIBIT A. DEFENDANT also begs the court to consider PLAINTIFF’S brazen disregard for human life, the eagerness to mow down innocent human beings to cover up a sloppy tax credit scam and avoid justice.
       4. In response to PLAINTIFF’S item 2 of DECLARATION OF SAM KARIMZADEH IN SUPPORT OF PLAINTIFF’S MOTION TO STRIKE AND DEMURRER TO DEFENDANT’S THIRD AMENDED ANSWER, I JENNIFER MARSHALL agree that I did ask to communicate via email only because my autistic son JAMES MARSHALL becomes upset when this case is discussed verbally and because on many occasions in 2016, many different men who worked for PETERSEN DEAN began calling me and working on me verbally for many months and it was a horrifying experience. To avoid a repeat of such abuse, I felt it would be safer if everything was in writing. The court will notice there are no specific settlement offers presented to DEFENDANT by PLAINTIFF. If this had been done verbally, DEFENDANT strongly suspects PLAINTIFF would claim they made many good offers and that I turned them all down.
       5.  In response to item 3 of the DECLARATION of SAM KARIMZADEH, I did not understand the law well enough to make an informed response and that is why I asked the court for more time to search for an attorney. The saying that a person who represents them self has a fool for a client is based on solid truth. I am only representing myself until I can find help. I do not know how to properly answer a complaint. PLAINTIFF wants me to do the work anyway and pressures me to focus on doing work I am not qualified to do rather than use what precious few moments of time I have when my son is calm enough to search for an attorney instead. It is clear that PLAINTIFF does not want me to find an attorney. PLAINTIFF is also aware of what crimes they have committed and they know full well that most small firms cannot afford to take a case like this. PLAINTIFF is fully aware that they have harmed my son JAMES MARSHALL and that this also makes it harder to focus on searching for an attorney since the time needs to be spent seeking medical and emotional help. PLAINTIFF has discussed JAMES MARSHALL with their insurance CAP SPECIALITY (since they filled his lungs with stucco powder on November 2, 2016 and began engaging in deliberately frightening us) because they wish not to be liable to what is happening to him as a result of their actions.
        6. In response to item 4, the pressure SAM KARIMZADEH placed upon me to have a settlement conference to narrow the scope of the case when in fact justice can only be served by expanding the scope of the case was palpable. Again, PLAINTIFF is in a very big hurry to take our home away from us without getting into the details of what exactly happened in 2016. I did not want to be railroaded. I was very concerned about the lack of any real communication. PLAINTIFF wanted to publish in a newspaper instead of serving me a copy of the complaint. To this day the only complete copy of the compliant I have is the one I purchased with my fee waiver. I made the mistake of TRUSTING that the copy PETERSEN DEAN emailed to me THE DAY MY ANSWER WAS DUE was a complete copy. Since the copy I got from the court was a hard copy, I forwarded the emailed copy of the complaint to THE PUBLIC LAW CENTER when they requested that I send a copy. To my shock, I received an email from PUBLIC LAW CENTER informing me that the emailed copy of the COMPLAINT BC661819 was incomplete, most of it was missing. I told PUBLIC LAW CENTER I was sorry, that I never realized it was in incomplete copy because I never had occasion to rely on it because it was sent to me so late, on the very day my answer was due. I had used the copy I purchased from the court to answer the complaint. This is a prime example of the dirty tricks PETERSEN DEAN plays and played since 2016. PETERSEN DEAN is desperate to avoid a trial by jury because when all the dirty tricks are paraded out in front of a jury there will only be one conclusion to be had and that is that PETERSEN DEAN is in the business of dirty tricks and they don’t care if people suffer and die because of it. In 2016 PETERSEN DEAN employees BRAGGED about how GEORGE MILIONIS would mow us down, how it was hopeless and I should just sign the document they wanted me to sign.
       6. In regards to MR KARIMZADEH’s Item 5. Yes, the documents are forgeries. The electronically generated initials and signature were not my handwriting and the amount of money in the contracts the signatures were deposited on was not the amount of money I agreed to. Even after I found out about the incorrect amounts, PETERSEN DEAN employees engaged in more trickery and kept trying to convince me I was still getting the $10,000 off as part of the free roof for going solar package even if it didn’t look that way. It is forgery. I will swear to this under oath.

         7. In regards to MR. KARIMZADEH’S Item 6. I do not understand item 6 and have requested time to find an attorney because there is so much I do not understand regarding case filings. I cannot put my son’s life in further danger by neglecting him to attempt to do something I clearly am not qualified to do. I did not ask for months, I asked for until August 1, 2018 in my previous filing, praying to God that somehow, some way I would be able to take care of JAMES and seek an attorney too. I came very close to the deadline I asked for. PUBLIC LAW CENTER said they would need weeks, not months, to process my intake, review the case filings and find a match. Again, I must emphasize that most of the legal aid organizations are swamped with solar scam victims, tax credit scam victims. PLAINTIFF is aware of this and counting on it. PLAINTIFF has no intention of winning this case on the merits of the case because PLAINTIFF knows full well they committed crimes. The day I talked to JONES DAY law firm I apologized and warned them my son would grow increasingly agitated the longer I talked and that I couldn’t call back later because it would still happen. I told them I would email information and talk as fast as I could but I wouldn’t be able to talk long. JAMES screams for weeks on end. This started in fall 2017 when we were forced to move back into our gutted house because we ran out of hotel money. The first night we spent in the gutted house James screamed so loud the neighbors thought someone was being murdered. The doctors were at their wits end as to what to do about an environmentally caused stress with no end in sight. Since we finally have some hope, I respectfully ask the court to grant PUBLIC LAW CENTER time to process us.

I declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct.
Executed on this 26th day of July, 2018         SIGNED__________________________________
                                                                                               JENNIFER MARSHALL


 

















EXHIBIT A
























STATE BAR OF CALIFORNIA
Complaint Review Unit
Office of The General Counsel
180 Howard Street
San Francisco, California 94105-1617

July 24, 2018
Inquiry Number 18-20383
Dear State Bar of California Complaint Review Unit,
I respectfully request a review my three separate complaints regarding three separate attorneys that got lumped together as one. I believe the more serious complaint is the one against Attorney George Milionis and that lumping him with less serious offenses was a mistake. Perhaps the mistake was mainly mine for reporting unprofessional behavior of two attorneys from the same firm at the same time I reported what I believe to be the criminal behavior of George Milionis.
Mr. Milionis is deliberately abusing the MECHANICS LIENS process and using the process as his personal tool to avoid detection of PETERSEN DEAN and HERO FINANCING’S multiple wrong doings and to cover up financial fraud PETERSEN DEAN committed with HERO FINANCING when they acted as HERO’S unlicensed broker.
As per the enclosed HOMEOWNER’S GUIDE TO PREVENTING MECHANICS LIENS, there is a LIEN REQUIREMENTS CHECKLIST. Mr. George Milionis knows full well he did not meet those requirements. He is aware he is not using MECHANICS LIENS correctly for the purpose that they exist for. MECHANICS LEINS used to cover up a crime is nefarious and such an attorney should not be allowed to continue committing financial crimes with impunity.
Mr. Milionis knows that a job must be completed before he can place a MECHANICS LIEN. In June 2018 Petersen Dean paid a $500 citation (Copy of Citation enclosed) to the CSLB for not removing and replacing rotten wood, for covering rotten wood with new shingles, for not doing the work they were hired to do up to standard. That citation will remain on Petersen Dean’s record for five years and yet Mr. Milionis shrugs it off as if it is nothing because the fine was laughably small and he can still leave the work unfinished, still leave rotten wood under the new shingles, still remove the financing and demand more money than was agreed for the job and still file Mechanics Liens to cover up the financial fraud. Petersen Dean and George Milionis flaunt their lawlessness in your face, in the court’s face, in my face. Mr. Milionis clearly feels he may act with impunity and that the laws that apply to others do not apply to him and his client PETERSEN DEAN.
Mr. Milionis knows the CSLB Lien Checklist requires that the homeowner must accept the improvement and be using the improvement and he knows the job was never completed, that the homeowner did not sign off the completion documents with HERO FINANCING because was never completed in 2016. The solar panels were never turned on all these years. DWP never inspected the panels. Both HERO and PETERSEN DEAN agreed to remove the solar panels after H&R Block indicated that I most certainly would not receive $10,000 tax credit because as a senior citizen caring for my adult autistic son, we do not pay taxes. Mr. Milionis decided to withdraw the HERO FINANCING and pretend it never existed and he proceeded to deliberately misuse the MECHANICS LIEN process to cover up financial fraud that had become noticed by the homeowner’s tax preparer Mr. Martin of H&R Block.
I believe many of the actions of Mr. Milionis rise to a criminal level.
The other two SEPARATE complaints against Mr. Karimzadeh and Mr. Mendoza, (all three given the same INQUIRY NUMBER) are for unprofessional conduct and do not rise to a criminal level. Lumping all three separate attorneys under one INQUIRY served to water down the very serious complaint against George Milionis. Mr. Mendoza was toying with me. Mr. Karimzadeh was faking having communication with me just so he could say he tried but I wouldn’t’ cooperate. He made no real effort to discuss the case with me. Who sues a person then refuses to communicate with them?
Mr. Karimzadeh was unprofessional and did not make any true effort to have a legitimate meet and confer with me. He wanted Judge Murphy to believe true communication was offered but in his emails to me you can clearly see no real settlement offers were discussed, no mention of the financing was discussed. Mr. Karimzadeh limited his communication to trying to manipulate me to give up my right to a trial by jury. He refused to discuss any details of the case with me. That is not an opinion. That is supported by his emails, our only means of communication. The emails do not show any good faith discussion of the case and the financing. Mr. Mendoza asked questions about the incomplete work….questions he knew the answer to because the CSLB citation made it clear…and he was not the attorney of record. Mr. Karimzadeh did not discuss the incomplete work, the rotten wood under new shingles, the removal of the solar panels or ANY of the details of the financing and the case. He stubbornly refused to discuss the financing that had vanished into thin air. Where did the HERO financing go? Why is PETERSEN DEAN allowed to get rid of HERO and call for $34,000 cash ($10,000 more than agreed) without financing and without finishing the job?
Mr. Mendoza emailed me until I told him to stop. There was no reason for him to contact me at all, even once, ever. Mr. Karimzadeh is the attorney of record and it was his job to tell me anything that Mr. Mendoza told me. I only answered Mr. Mendoza because I thought he acted like he was taking over the case for Mr. Karimzadeh. These two men both behaved unprofessionally. I filled out separate complaints for each attorney because no attorney deserves to be lumped together and accused of another attorney’s behavior and actions. Especially when those actions of one individual rise to a criminal level.
I believe George Milionis is a criminal and that he has done great harm to many homeowners in the State of California. Please separate his Inquiry from the other two nuisance complaints for attorneys acting unprofessionally and take a second look at the actions of George Milionis.
It is my opinion that George Milionis should not be practicing law in the State of California in light of how he has blatantly, undeniably, deliberately abused the MECHANICS LIENS process. Mr. Milionis is making up his own MECHANICS LEINS laws as he goes along. He changes the MECHANICS LIENS law to suit his need and uses it as a weapon to control and intimidate people, wielding the threat of the MECHANICS LIENS in writing to force signatures from homeowners long before the job is finished, YEARS before the job is finished in this case. Mr. Milionis helps PETERSEN DEAN broker HERO FINANCING without a license and revokes the financing and demands instant cash payment in full, more money than agree upon and with no financing if someone (in my case H&R Block) discovers the property tax financing fraud in progress.
Please take a second, closer look at this.
Thank you for considering this matter.

Sincerely,
Jennifer Marshall








COPY OF LETTER SENT TO PETERSEN DEAN AS PER CSLB BOOKLET:

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

















I SENT PETERSEN DEAN THE ABOVE CERTIFIED LETTER AS PER THESE CSLB INSTRUCTIONS:











Wednesday, January 3, 2018

UPDATE ON OUR SITUATION. WE ARE BADLY HURT.

UPDATE JANUARY 3, 2018.

This is an update of a MY OCWEN LOAN blog post written in September 2016. At the time I thought being attacked by OCWEN which manages my home loan that DEUTSCHE BANK bought was enough to kill a person. We didn't find an attorney to help us save our home but the CFPB helped stop the unwarranted attack and OCWEN put my name back on my loan. I saved our house but didn't get any damages for the hell of having to fight to save my home when I had a loan in good standing with a perfect payment history. Then, still in 2016, I thought what FARMERS INSURANCE did to us was going to kill us. I never dreamed that UNIVERSAL FLOOR SOURCE was being dishonest with me, my home insurance and SYNCHRONY BANK, that they didn't really have a license to rebuild our kitchen after mold remediation and they would join the ranks of vultures trying to steal the $76,000 equity in our home. And little did I know the HERO PROGRAM and PETERSEN DEAN SOLAR also had a scam cooking, that they also had been drooling over the $76,000 equity in our home that KEEP YOUR HOME CALIFORNIA had just granted us. With no attorney, my son and I had to fight alone to save our home. My autistic son James was by my side as I filed complaints with government agencies and filed responses in court to PETERSEN DEAN'S sneaky attempt to steal our home via Mechanics Liens that they had no right to file. They hoped no one would find out in time to stop them.

In 2016 a lot of con artists descended upon my autistic son and I and attempted to steal the equity in our home or in PETERSEN DEAN'S case, our entire home. A series of simultaneous disasters prevented us from focusing on the go fund me page for James in 2017. We found ourselves in a life and death fight to stay alive. We were in the emergency room over and over again with breathing difficulties and loss of consciousness. We were both badly beaten down by men who relentlessly threatened and bullied us, and we both began suffering sudden extreme high blood pressure episodes with fainting and difficulty breathing and lung infections. My son James and I are happy to be alive. We are still in danger and living in filthy, dangerous, horrible conditions but we managed to stay alive through all this.

The CFPB helped us make OCWEN stop its out of the blue attempt to steal our home (suspiciously following a $76,000 KEEP YOUR HOME CALIFORNIA GRANT and $5000 HAMP incentive award for never being late on my home loan). My CFPB complaints stopped OCWEN'S attempt to reverse our home loan modification which has a PERFECT PAYMENT HISTORY but during that battle to save our home from OCWEN, stachybotrys mold was discovered in our home and contractors who lied about having a license further damaged our home and shattered our lives before we could get back up on our feet after the unjustified OCWEN attack.

Here are some links to the simultaneous, ongoing disasters that my son and I are facing alone:

UNIVERSAL FLOOR SOURCE 

A THING OR TWO ABOUT FARMERS

PETERSEN DEAN and the HERO / RENOVATE AMERICA SCAM

It is a new year. We are still alive. My autistic son has made it clear to me that he trusts me and loves me. I am humbled by the way my son still looks up to me after I got so badly beaten by all these bullies these past two years. I am deeply moved by the his absolute trust that I will always keep him safe. He has made up little songs about me I will not fail him. I will get our house back from PETERSEN DEAN / HERO / RENOVATE AMERICA and I will sue them for their ruthless attempt to steal our home via their shameless tax credit scam. I will make UNIVERSAL FLOOR SOURCE repair what they destroyed without having a license. I will sue FARMERS for their standoff with my home insurance, for refusing to remediate the mold that their client Shadowbrook Estate Home Owner's Association caused.









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The original September 28, 2016 post before things got so utterly out of control:



With all the fighting for our lives to save our home from OCWEN and now FARMERS INSURANCE, when all we have done is always pay our bills on time, there was little time left over to work on this fundraiser to help my autistic son James.

His dental pain is so severe that his life is ruined. The medications the ER gives him to make him stop crying have backfired and caused him to cry more with severe bladder problems. He spent Christmas and his birthday in pain, in bed. His health is being destroyed and his teeth hurt him everyday. 

Please share James' Go Fund Me video with everyone you know. Thank you. ❤️

Saturday, December 16, 2017

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: 

THE DISCOVERY PROCESS PETERSEN DEAN AND HERO TRIED TO COVER UP

UPDATE CSLB / DOJ
RE: FRAUD/PETERSEN DEAN SOLAR AND HERO FINANCING


Date:
Saturday, December 16, 2017 12:42 PM
From:
Jennifer E Marshall


Subject:
CSLB SF 2016 9935 Petersen Dean Case / Court Case BC661819
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 CSLB 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 also 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: