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.

MY AUTISTIC SON WAS IN THE EMERGENCY ROOM FIVE TIMES IN SEPTEMBER 2017

My autistic son James fainted again today. He has been in the Emergency Room and Urgent Care every week the past month. He has been referred to a cardiologist since he was found not to be dehydrated and other causes of fainting were ruled out.

Petersen Dean and Renovate America know they should not be doing this to us. They took away the financing so we COULD NOT PAY THEM, so that the ONLY way they could get paid was to sell our house.

They know James is sick. Petersen Dean discussed my son's illness with me in November 2016 and they used it as leverage to try to manipulate me to sign a document that would have made us homeless and with no legal rights.

Petersen Dean knows the stress they have caused James every day since November 2, 2016 is making him sicker. James has been referred to a cardiologist by the emergency room. James is not able to handle the stress Petersen Dean told us we would be shocked and awed by if we did not sign the documents they wanted us to sign. This amounts to attempted murder in my opinion. Petersen Dean knows full well they are killing my son James. All Petersen Dean and Renovate America offered us was the choice of HOW we wanted to lose our home...by Renovate America seizing it a year from the completion of the job or sooner by Petersen Dean's trumped up abuse of the MECHANICS LIEN process and gaming of the court system. Petersen Dean is very proud of how they have successfully gamed the system in the past and they throw this in your face when they offer you $2000 to walk away from your home if you sign their document or NOTHING. If you stand up to them and refuse to sign a document to lose your home to RENOVATE AMERICA, they make clear to you that they will take your home even sooner than their partner RENOVATE AMERICA.

Petersen Dean knows they do not deserve to be paid, that the amount of damage they caused has far exceeded what I owed them and they did not complete the job or make the repairs. Renovate America knows they were conducting a tax credit scam and they knew they were giving false and misleading information. They know they made our home unsafe to live in. They know we need emergency housing. The way Petersen Dean and Renovate America are behaving, they may have killed people before. They seem very comfortable with destroying lives. Petersen Dean behaves as if they have successfully destroyed many people. I hope the government will be able to find this evidence before Petersen Dean, HERO and RENOVATE AMERICA shred it all.

Petersen Dean seems to think their stolen money is worth killing a few people along the way for. That much is very clear to me from the way both Petersen Dean and Renovate America/HERO spoke to me about my son. Petersen Dean and RENOVATE AMERICA/HERO have taken "Greed is Good" to a terrifying place, "Greed is God. Kill anyone in your way."

I do not say this lightly. Petersen Dean and Renovate America need to be charged with murder if my son does not survive what they are putting him through. They know they filled his lungs with stucco powder. They know they have stressed him every day since November 2, 2016. They know the Mechanics Liens they filed are an abuse of the Mechanics Liens purpose. They know they are stealing time that James needs to recover and get medical treatment by dragging us to court just to lock us into a trumped up no win, Catch 22. This qualifies as attempted murder to wrongfully take possession of a property.

RENOVATE AMERICA AND PETERSEN DEAN ARE PARTNERS IN CRIME

Matthew Monning, National Director of Consumer Sales at PETERSEN DEAN is friends with RENOVATE AMERICA/HERO's Compliance Officer Damon Sherman. They are thick as thieves.
They are thieves.

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.
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