PETERSEN DEAN IS FLIPPING HOUSES

The public needs to be warned about PETERSEN DEAN INC, and RENOVATE AMERICA / HERO, especially senior citizens and disabled individuals on fixed income. Do not sign a contract with these companies that promise they can make home repairs affordable unless you show the contract to your tax preparer to examine all the financial documents FIRST.

PETERSEN DEAN AND RENOVATE AMERICA are flipping houses. They are NOT in the home repair business. They are in the house flipping business.

PETERSEN DEAN and RENOVATE AMERICA are not repairing your home. They are making improvements that will get them a higher price when they sell your house. The only choice you will be given is WHO sells your house....PETERSEN DEAN or RENOVATE AMERICA.

This warning is critical because this scam / con job is so widespread that the government offices that you might turn to to save your home are overwhelmed with these cases. You probably will not get help in time to save your home. If you cannot afford to retain a super lawyer with your income, you will find the pro bono attorneys in your city are also overloaded with these types of cases. The only safe thing to do is to NOT sign with PETERSEN DEAN and RENOVATE AMERICA aka HERO PROGRAM property tax financing.

The reason an urgent warning is needed is that IF you sign to have repairs you thought you could not afford but a PETERSEN DEAN / RENOVATE AMERICA / HERO employee verbally explained to you the savings you will receive that amount to getting a free $10,000.00 roof do not show on the contract but WILL materialize a year later when the bill comes due and your property tax covers it, you will lose your legal rights by the time you find out the hard way that this is not true you have been conned.

DO NOT BELIEVE ANY OF THE VERBAL EXPLANATIONS that PETERSEN DEAN makes when they come to your house to EXPLAIN. Every time you question the contract, PETERSEN DEAN will try to send two strange men to your house to explain it to you again. They will not email or snail mail the explanation to you. They know they are going to deny it, so they will not put it in writing. They will come to your house and talk your ears off. They will wear you out. They will keep telling you about the great deal you are getting, but you will not be able to walk across the street and explain it to your neighbor. You will not be able to remember or repeat all the nonsensical crap these con men brow beat you with. Your neighbor may ask you, "How much did your roof cost?" and if you tell PETERSEN DEAN and RENOVATE AMERICA you could not explain your deal to your neighbor, they will answer, "Let us talk to them. Each customer gets a tailor made deal. No two deals are alike." When I asked if I was really getting the deal I was told verbally that I was given, which DID NOT match what was on the written contract, I was told by PETERSEN DEAN that I was getting the same deal millionaires get. When I refused to sign the final contract until I had something in writing to explain my wonderful deal, I was finally given a document from PETERSEN DEAN which I showed to H&R Block tax company and they confirmed that only a millionaire would get the $10,000 discount, that I would lose my home if I signed the final document.

If you could not afford home repairs, you cannot afford the no win legal trap PETERSEN DEAN and RENOVATE AMERICA have prepared for you. If you do not discover the tax credit scam before you sign off with RENOVATE AMERICA / HERO financing, RENOVATE AMERICA / HERO will be the party taking your home away from you a year after the work was completed when you can't afford your house payment any more.

If you happen to discover the tax credit con BEFORE signing off with RENOVATE AMERICA
PETERSEN DEAN has a great deal of experience gaming the system and taking away people's homes. RENOVATE AMERICA ads tell you that you don't have to sign off until the job is done right and all  issues are addressed. What they don't tell you is that if a problem happens, if PETERSEN DEAN damages your property and doesn't feel like paying LICENSED contractors to fix it or if you discover that the cost is not going to be what you were VERBALLY promised, RENOVATE AMERICA will back out of the deal and PETERSEN DEAN will become the one who takes your property.

It is a no win trap. You will not be offered any opportunity to keep your home. You will be told to pay for the whole repair IMMEDIATELY, which both PETERSEN DEAN and RENOVATE AMERICA already know you do not have that kind of cash, or you will be told to sign off with RENOVATE AMERICA that they may take your property in a year and if you refuse to sign that deadly document, PETERSEN DEAN will begin the 90 day process of taking your home away from you via MECHANICS LIENS.

PETERSEN DEAN is very skilled and moving fast and lying to the courts. By the time you scramble to get an attorney who will take your case on contingency or pro bono, PETERSEN DEAN will have sold your home. You will lose your house and everything you have worked for all your life.

PETERSEN DEAN will not show mercy because you are elderly, disabled or poor. You were selected BECAUSE you are elderly, disabled or poor. This scam does not target people who can afford an attorney.

The only way you can be protected from this sort of scam is never to do home improvement through "PROPERTY TAX FINANCING". Hang up when PETERSEN DEAN calls you on your home phone. Do not listen to the RENOVATE AMERICAN and PETERSEN DEAN ads on television, radio spots, twitter and Facebook advertising. Those ads show happy people and make it look like you can afford air-conditioning that you thought you could not afford.

Those ads show happy people enjoying air-conditioning they thought they could not afford for the first time in their life because their property taxes paid for it. Those ads do not show the many horrified customers watching PETERSEN DEAN and RENOVATE AMERICA steam roll them and take away everything they own. Until an investigative reporter interviews the victims of PETERSEN DEAN and RENOVATE AMERICA, you will not know about that horror until it is too late for your to escape it and you cannot save your family. The $500 Senior Citizen discount will mean nothing to you when you find yourself in a homeless shelter trying to understand how you lost your home so fast.

The air-conditioning that you actually end up with is going to be in a homeless shelter. You will not be able to afford your house payment a year after going solar and getting air-conditioning via RENOVATE AMERICA and PETERSEN DEAN. PETERSEN DEAN and RENOVATE AMERICA are flipping your house, they are not helping you make home improvements for your to enjoy.

RENOVATE AMERICA will take your home away from you a year after you discover they conned you. They KNOW you are not in the tax bracket that qualifies for the $10,000 tax credit.

RENOVATE AMERICA and PETERSEN DEAN are making more money taking homes away from low income people than they are making from the actual home improvements.

A CALL FOR CAP SPECIALTY TO STOP INSURING PETERSEN DEAN'S REIGN OF TERROR

Cap Speciality is the insurance company behind Petersen Dean's reign of terror. This is a call for Cap Speciality to do the right thing and stop associating with this horrible predator who is clogging up CSLB, PUBLIC COUNSEL, LA CITY ATTORNEY'S OFFICE, LA COUNTY DCBC with victims pleading for help to save their homes from this type of deceptive financing that pretends to be helping vulnerable populations make much needed home repairs but is really only interested in seizing those properties.

Petersen Dean in partnership with Renovate America has perfected a scam that corners the homeowner and only gives them the choice of WHEN they will lose their home. They block any option to keep your home. It is a brutal, heartless scam. It is an extremely deceptive form of financing that does not appear to be regulated like other forms of financing.

You can lose your home a year from the date of the signature of the HERO/RENOVATE AMERICA final document stating that the job was done well and fairly even if it was not....all you get from that contract is ONE YEAR to find an attorney who will take a case that you ruined by signing the contract you were bullied into signing. Ask the FBI to go with you and wear a wire if you are going to accept this deal. I wish I was wearing a wire in the fall of 2016.

Petersen Dean tried to "sweeten the deal" by offering me $2000 to sign the deadly document. $2000 would not cover beginning the repairs to make our home safe to live in, much less the completion of the work, but that was the amount PETERSEN DEAN figured we should sell our house to them for. That was it. $2000 to walk away from the home you paid for. $2000 to walk away from your life with no where to go, no safe place to live. $2000 is not enough to start a new life with after PETERSEN DEAN has taken your home and everything you worked for all your life. They know it is not enough. They tell you "It is better than nothing, isn't it?"

OR

You can REFUSE to sign the untrue document that you know is an unfair scam and PETERSEN DEAN will make good on their threat to speed up the seizing of your home. PETERSEN DEAN will seize your home instead of taking a cut of what RENOVATE AMERICA gets when they seize your home. You can lose you home faster.

You can lose your home in a year to RENOVATE AMERICA via the horrible contract.

OR

You can lose your home faster by PETERSEN DEAN'S abuse of the MECHANICS LIENS process.

Do you want to lose your home with $2000 cash in your pocket and a year to find a new place to live after RENOVATE AMERICA takes your home?


Do you want PETERSEN DEAN to rough you up and take your home immediately via MECHANICS LIENS?

These are the TWO choices PETERSEN DEAN'S men who call you over and over give you. They tell you they are the "nice guys" and you better take this deal, take the $2000, sign, step aside and wait for RENOVATE AMERICA to seize your home.

If I was wearing an FBI wire the information gathered would approximately go like this:

"Don't make PETERSEN DEAN'S legal department mad. You won't believe how horrible they will make your life and how fast they will take your home. Take the $2000, spend the year trying to find a place to stay when RENOVATE AMERICA seizes your home. At least you will have a year to try to save SOME of your belongings and you can focus on getting your son medical care instead of answering to PETERSEN DEAN'S very skilled attorneys. Trust me, you don't want to take them on. I am nice. They will make your life an unimaginable hell. Let us come over. I'll have $2000 in one hand and the document we need you to sign in the other hand.

Take the $2000 and just be glad your son is alive. Think about it. You cannot win. It's too bad. Give your home to the scam your were unfortunate to cross paths with. It happens. You can't stop us.  The LA City Attorney can't save you, they are swamped with victims of this scam. Public Counsel won't be able to find you a pro bono attorney in time. The Mayor of LA isn't going to be able to save you. The State Contractor's Licensing Board is so swamped with these property tax financing scams that your son will be dead and buried for years before they take away PETERSEN DEANS license. They will forget your son died. We will say he was going to die anyway. The CFPB won't be able to save you. All you are doing is starting a fruitless investigation. It won't conclude in time to save your son and we will be off on a new scam once they get this scam on their radar. The CSLB and CFPB will never be able to prove how many elderly and disabled we made homeless. PETERSEN DEAN and RENOVATE AMERICA are above the law, the government agencies are clogged with our cases and we are tap dancing on the graves of people like you. Give up and take the $2000 and try to save your son's life. We know he has been fainting, losing control of his bodily functions, suffering back to back lung infections....take the $2000, sign the RENOVATE AMERICA contract saying none of this really happened and go live in a homeless shelter and focus on saving your son's life. If you love your son, give up you home to us. Sign the contract. You have no choice. Sign the contract. Stop refusing to sign the contract. You are responsible for your son's death if you do not sign this contract. Sign it."

You don't get three choices. PETERSEN DEAN'S attorneys make sure you understand you have only two choices, lose your home later with $2000 in your pocket or lose it now in a more brutal, unimaginably painful way. It is a Catch 22. It is a SOPHIE'S CHOICE. Die in the streets or die fighting the all powerful PETERSEN DEAN legal machine that is practiced at the evil art of wrongful use of MECHANICS LIENS.

It is a no win deal. Petersen Dean and Renovate America do not do this to wealthy Americans. Petersen Dean and Renovate America corner the most vulnerable, the ill, the elderly, people they do not think have a chance of fighting back.

Many grown men at PETERSEN DEAN took turns over many months talking cruel trash to me and my autistic son. It was not business like. I never witnessed a business behave this way before. I asked them to act like other businesses do, to pay the contractor DIRECTLY instead of trying to give me the money to pay the stucco remediation contractor. PETERSEN DEAN needs to give you the cash instead of paying the contractor directly because they think they can use cash as leverage that way. If they pay BUILDING CLEANING SERVICES or MIDA SERVICES or any cleaning service directly, they can't do the whole "meet us alone in your house so we can exchange the cash for the signature" routine. Imaging trying to do that in front of witnesses such as a stucco remediation contractor? PETERSEN DEAN does not want witnesses. PETERSEN DEAN wants to corner an old woman like me and a very ill autistic man like my son who is fighting for his life, alone in their home. PETERSEN DEAN talked trash to us for months to scare us.

The bullies at PETERSEN DEAN would not talk like this to healthy, well to do men. This is disgusting and the world needs to know PETERSEN DEAN is getting rich doing this to a segment of society that doesn't have the resources to survive this sort of attack.

CapSpeciality needs to know they are insuring monsters who prey upon the weak and feed off the hardship of the elderly, ill and disabled. If CapSpecialty continues to insure the BOND of PETERSEN DEAN, they are condoning what PETERSEN DEAN is doing and has done to many ill, elderly and disabled Americans.

CapSpeciality needs to decide if they approve of PETERSEN DEAN'S tax credit scam targeting the poor, disabled, ill and elderly or if they do not approve. Not to decide is to give PETERSEN DEAN the green light to continue mowing down vulnerable people via horrific, cruel scams.

A DOOR COSTS THOUSANDS MORE VIA HERO FINANCING

I didn't just wake up one morning and suspect PETERSEN DEAN ROOFING AND SOLAR and their partner RENOVATE AMERICA / HERO were crooks. It dawned on me after a series of events.

In the summer of 2016 my house was having mold remediation, so I figured since our home insurance was paying for emergency housing in a hotel it would be a good time to fix the roof.

My home insurance, ASSURANT INSURANCE and my HOA Home Owner's Association Insurance, FARMER'S INSURANCE were disputing which one of them was liable for removing some of the stachybotrys mold surrounding and growing inside my front door.

Eager to get back into our home, I got the bright idea to just get the new front door through the RENOVATE AMERICA/HERO program, since the bill would not come out of my property taxes until a year later and by then either FARMERS or ASSURANT would reimburse me for the door.

My son and I went to HOME DEPOT and picked out the door. Here is how much it cost: $2070.66

Then I went to the drop RENOVATE AMERICA drop menu and found their HOME DEPOT contractor and told him which door I wanted.

 This is how much the $2070.66 door cost through RENOVATE AMERICA/HERO Financing:
$5364.20

The HERO/RENOVATE AMERICA contractor told me to submit the inflated bill to my insurance companies... to rip off my insurance company...
PETERSEN DEAN had told me to rip off the IRS. Every RENOVATE AMERICA contractor I contacted was gouging and not apologizing for it.

When I called RENOVATE AMERICA/HERO to report the price gouging, HERO became angry with me, not their Home Depot Contractor.

I called other RENOVATE AMERICA/HERO contractors. They all, without exception, were charging thousands of dollars more than normal. I suspected PETERSEN DEAN was probably gouging as well and demanded that they prove to me that they were not. At first HERO and PETERSEN DEAN agreed to remove the solar panels, since I discovered I was NOT going to get the $10,000 tax credit. Then PETERSEN DEAN changed his mind and decided to take our home via MECHANICS LIEN if I refused to let HERO steal my home the traditional year after the installation.

When RENOVATE AMERICA withdrew and opened the door for their contractor PETERSEN DEAN to place two Mechanics Liens on our home, it shut down the mold remediation. My son and I ran out of emergency housing via the mold remediation insurance and we have not been able to move back into our home. I have paid our hotel until September 10, 2017. We have been living like this since November 2, 2016 when PETERSEN DEAN refused to finish the job unless I signed off that the job was done right BEFORE they did it.

THE HEAVILY PADDED PETERSEN DEAN CHART

When I found out HERO / RENOVATE AMERICA contractors for Home Depot were charging thousands more for the same door than non HERO / RENOVATE AMERICA contractors, I refused to sign the final documents until PETERSEN DEAN ROOFING AND SOLAR proved to me that I was really getting the $10,000 roof for "free" via my property tax savings.

This is the chart PETERSEN DEAN's National Director of Consumer Sales, Matthew Monning sent.
Upon reviewing the chart with H&R Block it was pointed out that I would be paying three times more for electricity by going solar with PETERSEN DEAN than if I just kept my current arrangement with LADWP (Los Angeles Department of Water and Power).  I would not receive one penny of the savings shown of the chart because I was not in that tax bracket. Also, the figures were shamelessly padded. In a court of law it would be very easy to prove that PETERSEN DEAN padded my electric bill to make it look like I was saving more if I signed off on their deal.

My house payment would go up so drastically in one year that HERO / RENOVATE AMERICA would take my home because I could not afford to pay the balloon they told me my property taxes would pay.

In all correspondence all PETERSEN DEAN cared about any more was getting that signature. The gall of asking for a signature stating that work had been completed when it was not completed didn't seem to strike them as outrageous. Even in letters to CapSpeciality, the insurance for their bond, they complain they didn't get that signature. You are not supposed to get that signature BEFORE you finish the job.

PETERSEN DEAN flew into a childish rage when they did not get the signature that would allow HERO/RENOVATE AMERICA to seize my house a year from the installation, so HERO withdrew their financing so PETERSEN DEAN could file MECHANICS LIENS to seize our home immediately. PETERSEN DEAN began lying to the court, abusing the legal system and complained to their insurance that the senior citizen they usually bury alive before anyone knows it was using social media to cry for help. PETERSEN DEAN was outraged that an elderly person with a very ill autistic son who was in the emergency room over and over and normally would quietly lose their home WAITING in line for help from the overworked Contractors State Licensing Board, the overloaded LA City Attorney's Office, the inundated pro bono attorneys who had more victims of this scam than they could handle....that this little family turned to YELP and TWITTER and BLOGGER to try to survive the "steam roller" PETERSEN DEAN bragged about being.

A WHISTLEBLOWER AT PETERSEN DEAN SENT US THIS LETTER

A whistleblower sent us the following documents. Because I am not an attorney, I do not know the significance of these pages.

I appreciate any help we can get, especially when the whistleblower is afraid for their own safety as this person is.

Ever since November 2, 2016, it has been like my autistic son James and I are downing and often the struggle to stay alive is so difficult and intense that there is barely any energy left to cry, "HELP!".

PETERSEN DEAN has lied to the courts. They will lie under oath. They actually brag that their legal department is lethal. It does appear that PETERSEN DEAN makes more money via their legal department stealing homes than it does by repairing roofs and installing solar.

Document Sent To Petersen Dean's Insurance CapSpecialty

CapSpecialty is Petersen Dean's Insurance Company. This document was sent to them as case history.

Partial List of Unfinished Work and Property Damages By Petersen Dean Inc.

1. Creaking roof at back end of house over master bedroom. Sound like someone walking on roof but no one is. Possibly loose solar panel or rotten wood not replaced. Will be inspected by CSLB on April 18, 2017.

2. Stucco/Paint powder coating entire contents of house. Caused my autistic son lung infection. Caused contractors to feel sick. Caused me nose bleeds, eye and lung irritations. November 2, 2016 accident was never addressed. Petersen Dean let the powder drift from my son’s bedroom into the house while using repair as leverage to get a document signed saying they already cleaned the powder. Constant threats verbally by phone, by email and by certified letter saying I must sign that the job was done satisfactorily BEFORE they would complete the job.

3. Steel rods with sharp screws in my neighbor’s side yard that neighbor’s child could slice legs open or impale themselves on. Electrician gave an estimate to place in a safer location and cap for safety. Petersen Dean refused to fix this until AFTER I signed a document saying they had fixed it.

4. Broken Patio Concrete and broken wood garden trim. Petersen Dean contractors used my patio planter as a work bench. While cutting wood they cut the wooden garden trim and broke off a piece of patio. Petersen Dean refused to repair this until UNLESS I signed a Hero Program document stating that they had already fixed this BEFORE they fixed it.

5. Possible fines from BUILDING & SAFETY because Petersen Dean did not get a permit to alter my water heater.

6. Appearance that not all the rotten wood on the roof was replaced. Some replaced rotten wood was replaced but larger than original wood, causing the side of the house to be c-shaped instead of straight. I sent photos to Petersen Dean and requested they fix it. They did fix the too large pieces but not all the rotten looking wood. Some of the new wood that I could see from the ground was split. After much arguing they reluctantly replaced the split in half wood. When I asked again about wood that looked rotten and pointed out that the primer was spotty, Petersen Dean told me that it was “thirsty wood”, that it drank the primer. I was unable to tell if the creaking wood was rotten or if the solar panel was loose as it is a very high two story roof.

7. Sledgehammer damage inside the garage. I witnessed the Petersen Dean contractor slam the outside of my house very hard with a sledgehammer. I saw it knock electrical wires out of the wall. Petersen Dean said they would fix this AFTER I signed the HERO PROGRAM document that said all repairs had been made.

8. Due to Petersen Dean’s behavior and the HERO PROGRAM not really having the Senior Citizen Protection Department they told me they had to gain my business, I asked to have a document showing EXACTLY how much this job was really costing me because I had received vague and conflicting explanations of the confusing lectures but nothing in writing. I was told I would not have to make a payment for a year and it would come out of my property tax, that I would have no DWP bill, that I would get my roof for free for going solar at the same time. Then I was told that offer expired before I agreed to do the job, but I got an even better deal. The $30,000 job would cost me $20,000 and my savings would make it even cheaper. I asked for a document in writing because Petersen Dean seemed angry the day of the Stucco Accident when Building Cleaning Services said it would cost $2000 to START cleaning the stucco dust depending on how many items were coated. Petersen Deans anger over spending any money on repairs made me suspicious. I gave the document to H & R Block and was informed that I would not save hundreds of dollars each month on electricity because I only pay $60.00 a month. I was told that I would not really get the $10,000 roof free because I do not fit in that tax bracket. I am 64. My autistic son is 33 and our income in SSI and IHSS. It seems that only wealthy people would get the promised tax break and yet HERO and Petersen Deal sell the program as the only way low income/fixed income seniors can afford home improvement. I began getting phone calls from Petersen Dean men I had never met. One offered to give me $500 of his own money and would bring a bucket of water in his car since there was no sink due to mold remediation stripping the kitchen bare, and he wanted to personally clean all the stucco dust from my house and kept asking to meet me alone in the house to discuss this. He kept telling me he was nice and the next men would not be nice. I was told by another Petersen Dean man that he wanted to come to the house, not the hotel where we are staying and wanted to hand me a check for $2000 to clean the stucco powder which had by now drifted into the ducts and all over the house. He said he would have the $2000 check in one hand and the HERO PROGRAM document in the other and he would let go of the check as soon as I signed the document. I asked him why he didn’t just mail the check to Building Cleaning Services. He said he felt if he talked to me I would begin to understand. He said he would bring another man, that I also did not know, with him. I said I would only meet him in public, in the police station. He became furious with me.

9. Upon being confronted with the information that H&R Block said this was a tax credit scam, both HERO and Petersen Dean communicated and agreed in emails to remove the solar panels and finance the roof only. During the week that Petersen Dean claimed they were arranging to remove the panels, Build & Safety informed me that Petersen Dean had not requested a solar permit refund and this was necessary if I wanted to refinance or sell my house. I was advised not to sign anything because Petersen Deans insistence that they didn’t need to do this was suspicious. Petersen Dean kept insisting they didn’t need the money. For someone who didn’t want to spend money on even small repairs, it seemed odd that they didn’t want a refund. It was also harmful to me as the property owner, Building and Safety informed me. During the week Petersen Dean said they were preparing to remove the solar panels, they instead filed TWO Mechanic Liens on my property instead of keeping their word. HERO backed them by saying they withdrew all options of financing the project. HERO abandoned me instead of protecting me as promised.

10. I began filling out forms with government agencies after asking the Department of Justice where I should go for help. My autistic son James was gravely ill. The lung infection was so serious I stayed up at night to watch his breathing. He often could not catch his breath. I was unable to work on the mold remediation interviewing due to my son’s health. I had to begin interviewing with attorneys and agencies asking for help instead of making appointment I needed to make to make the mold remediation job stay on schedule. Therefore I would like to list the hotel time I lost due to having to fight to save my home November 1, 2016 until present April 2017 and this money will allow me to stay in the hotel room instead of having to live in my car with my autistic son starting April 25, 2017. Our home is not safe to occupy. There are electrical hazards that could electrocute my son if I fell asleep and he wandered downstairs. It is impossible to babyproof in its unfinished state. There is still a dangerous amount stucco powder in the air and it has drifted downstairs. Contractors have refused to work in the house until it is removed because they instantly feel sick. My son might die of lung complications if we try to sleep in the house on April 25, 2017 when our ASSURANT mold claim hotel allotment runs out.

11. After a seven month ordeal last year when the CFPB saved us from becoming homeless this time last year because OCWEN HOME LOAN SERVICING thanked me for never being late on a loan payment for the six difficult years following divorce where my then husband made a bad loan to get a “free car”, I got power of attorney to pay my ex-husband’s debt and NEVER missed a payment. I was never late on ANY of my bills. OCWEN congratulated me on earning the $5000 HAMP incentive and for getting $76,700.00 from KEEP YOUR HOME CALIFORNIA. The same day OCWEN congratulated me, they took my name off the loan, put it back in my ex-husband’s name knowing he would never pay and not even knowing where he resided anymore. I was informed they had decided not to honor my 2010 Loan Modification that I had paid on time for six years. Honda Finance had told me, after the court let me keep my Honda back when my former husband abandoned us financially, Honda had a long relationship with me due to that financial disaster and every two years I would lease a new car much cheaper than the previous and I rebuilt our world. Honda said that when OCWEN finally let me assume the loan after this unusually long six year probation, my credit score would go up. Indeed, it came out of the 420 flatline and moved up to 735. I was so happy. When OCWEN suddenly took my name off the loan it crashed back to the 400s. In a panic I called Honda Finance because I didn’t know who to call. They asked me, “Have you ever heard of the CFPB?”  I called the CFPB and two days later my name was back on the loan. The CFPB has fined OCWEN the year before for doing this very thing. It took seven months of repeated reports to the CFPB to get OCWEN to stop manipulating my credit score by posting false information. In September 2017 my credit score was back to normal and I looked forward to refinancing my home as soon as the mold remediation was completed. Petersen Dean Inc’s filing Mechanic liens to worm out of making repairs that would cut into their profits stopped me from being able to do the refinancing with a more honest loan servicer like the CFPB and I had worked seven months to make possible. Petersen Dean placed Mechanic liens as leverage to try to cap the cost of repairs at $2000.

12. I would like also to be given enough money to speak to a therapist for approximately six month to deal with the stress that this ordeal caused me. The Petersen Dean men were so scary that at times it reminded me of the M Night Shyamalan film: UNBREAKABLE where a murderer has the mo of standing in front of the door of people’s houses saying, “I like your house. Can I come in. I want to come in.” I received many calls from a man at Petersen Dean asking when he could come to my house. I feared for our safety. We need to talk to a therapist about what we went through November 2016 until now. It has been a nonstop living in constant terror experience.

13. Teddy bears and Mickey Mouse toys. James does not need a financial award for his ongoing doctor appointments because they are covered by his Medicare/Medical LA CARE insurance. James’ entire bedroom is still covered with stucco powder and so are his favorite toys Mickey and Minnie Mouse stuffed toys that he loves to hug and sleep with. I would like those to be replaced so he does not inhale any more stucco powder..

14. TO BE DETERMINED BY CSLB inspection. The CSLB is coming to the property to inspect and may find repairs that I do not have the expertise to notice need making, especially anything up on the roof itself.

15. TO BE DETERMINED: the price of removing the solar panels as agreed upon by PETERSEN DEAN and the HERO PROGRAM plus patching the roof anywhere it has been damaged by this removal.
 **********************************************************************************

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