PACE Property Tax Liens, Predatory Solar Leases, ani So ɲɛnabɔli nanbarako¶

K’a ye ko da-ni-da feerekɛla dɔ y’i bolonɔ bila i la (walima bangebaga kɔrɔ dɔ) ka $35.000 fo $80,000 Property Assessed Clean Energy (PACE) super-priority tax assessment lien sɔrɔ, san 25 tile ka jago min bɛ ka bonya, walima so ɲɛnabɔli juru min bɛ i yɛrɛ dogo, kɛrɛnkɛrɛnnenya la ni solar solar bɛ so sanfɛ pannew tɛ siri utilité rezo la walima so sanfɛla bɛ ka ji bɔ, o ye kɔrɔtɔko ye min bɛ kɛ ka nafolotigiya ni foroko kɔrɔtɔko ye. A tɛ i n’a fɔ mɔgɔ yɛrɛ ka juru basigilen, PACE juru bɛ ​​nɔrɔ i ka minisiriso ka nafolomafɛnw na i n’a fɔ gɔfɛrɛnaman ka impositi wari min ka bon kosɛbɛ ka kɔn i ka so juru fɔlɔ ɲɛ, o bɛ kɛ sababu ye i ka kalo o kalo so juru sarali ka pan ni dɔrɔmɛ 400 ye ka se dɔrɔmɛ 900 ma kalo o kalo ani ka takasi feereli walima i ka so minɛni daminɛ ni i ma sara. O waati kelen na, tile jagokɛlaw ka bɛnkanw ni fanga sanni bɛnkanw (PPA) bɛ UCC-1 Fixture Filing sɛbɛn ka kɛɲɛ ni i ka marabolo tɔgɔ sɛbɛnw ye minnu bɛ se k’i bali ka i ka so feere walima k’a wari segin fo n’i ye sanni jalakiba sara. Nin janw jɔli bɛ a ɲini ka i ka Tile 3 fo tile 5 Cooling-Off Right of Rescission kɛ, ka Federal Trade Commission (FTC) Holder Rule (16 CFR Part 433) wele walasa ka tile jurudonna sabananw sarali dabila ni baarakɛla dɔ ye wari sara walima ni a ye nkalon tigɛ, ka PACE Ability-to-Repay (ATR) sariya tiɲɛniw jateminɛ fédéral kɔnɔ TILA ka sariyasen Z, ani ka UCC-1 tɔgɔlasɛbɛnw bɔli wajibiya sariya siratigɛ la.

Aw bɛ o kɛ sisan¶

1. Aw ka aw farikolo lakanani lakana ani aw kana yele so sanfɛ abada walima ka maga tile invertɛri ɲɛnamaw la. Tile pannew (PV) bɛ kuran bɔ ni kuran ye min bɛ bɔ ni tile yeelen ye u gosi tuma o tuma, hali ni soba karilan fagalen don. Aw kana yele so sanfɛ abada (aw bɛ aw yɔrɔ janya so sanfɛla da la ani kuran sira fɛ ni mɛtɛrɛ 3 ye a dɔgɔyalenba la) walima aw kana a ɲini ka tile fiyɛli tigɛ aw yɛrɛ la. Ni tile batiri, inverter walima kuran panneau bɛ sisi, ka sɔgɔsɔgɔ, walima ka plastiki jeni kasa mɛn, aw bɛ so kɔnɔ joona ka taa aw ka sigida la kɔrɔtɔko nimɔrɔw (911 Ameriki ni Kanada, 112 Erɔpu tɔnba bɛɛ kɔnɔ, 999 Angletɛri, 000 Ɔsitarali).
2. I ka kunnafoni sɛbɛn ci teliya la ni i ye i bolonɔ bila bɛnkansɛbɛn na tile 3 fo tile 14 labanw kɔnɔ. FTC Cooling-Off Rule (16 CFR Part 429) ani jamana ka So ɲinini feereli sariyaw kɔnɔ, i ka kan ka sariya dafalen sɔrɔ ka da ni da walima so kɔnɔ feereli bɛnkan o bɛnkansɛbɛn tiɲɛ baara tile 3 kɔnɔ (ani ** baarakɛdon 5 kɔnɔ mɔgɔkɔrɔbaw ye san 65+** jamanaw la i n’a fɔ Kalifɔrni, tile 10 Ontario jamana na jisumalan/HVAC da-ni-da balili kama, ani tile 14 Angletɛri ni Erɔpu tɔnba bɛɛ kɔnɔ). Ni feerekɛla y’i bolonɔ bila tablɛti kan, wa a ma se ka Notice of Cancellation sɛbɛn fila to i ye minnu bɛ bɛn sariya ma, i ka jo bɛ to ka bɛnkansɛbɛn bɛɛ tiɲɛ fo n’u y’o kunnafoni di ka ɲɛ.
3. I kana a to da-ni-da feerela ka i ka telefɔni seleke naani walima tablɛti minɛ abada walasa ka ɛntɛrinɛti bolonɔbilaw digi. Tile ni PACE ɲininikɛlaw minnu bɛ fɛnw tiɲɛ, olu bɛ to k’a ɲini dutigiw fɛ (kɛrɛnkɛrɛnnenya la baliku kɔrɔbaw walima tubabukan fɔbagaw tɛ minnu na) k’u ka telefɔni di "walasa k’a lajɛ dɔrɔn n’i ka so sanfɛla bɛ se ka gɔfɛrɛnaman ka wari segin fu sɔrɔ,” o kɔfɛ, i bɛ teliya ka DocuSign walima otomatiki sɛgɛsɛgɛli kɛ wele bila ka $50.000 PACE impositi lien walima san 25 juru daminɛ. Ni o kɛra, aw bɛ teliya ka Electronic Forgery / Unauthorized Loan Origination Dispute sɛbɛn jurudonna fɛ, jamana ka lase ɲɛmɔgɔso fɛ, ani jamana sariyatigiba fɛ.
4. Aw bɛ FTC Holder Rule wele sɛbɛn kɔnɔ ka ɲɛsin tile wariko sosiyete ma ni pannew ma baara kɛ walima ni a sigibaga ye nkalon tigɛ. Tile juru ni so ɲɛnabɔli feerelikɛyɔrɔw tilatilali bɛnkansɛbɛn kelen-kelen bɛɛ bɛ se ka kɛ, FTC Holder Rule Notice (16 CFR Part 433) wajibiyalen bɛ sɔrɔ. Nin fédéral sariyasen in b’a to banki walima tile wariko sosiyete (i n’a fɔ GoodLeap, Mosaic, Sunlight Financial, Dividend, walima Service Finance) sariya siratigɛ la, i bɛ se ka fɛn minnu bɛɛ fɔ ani ka i yɛrɛ lafasa tile sigibaga ma, i n’a fɔ nanbara, feerekɛla ka sara dogolenw kɛmɛsarada la 30, baara min ma yamaruya, walima ni i ma utilité Permission to Operate (PTO) sɔrɔ.
5. Aw ye aw ka marabolo ka nafolo taasibilasɛbɛn ni sow ka bolomafara sɛbɛn jateminɛ ni PACE juru bɛ aw bolo. Ni PACE jateminɛ (min bɛ kɛ PACE ɲɛmɔgɔw ye minnu ye mɔgɔ kelen ta ye i n’a fɔ Renew Financial, Ygrene, Home Run Financing/PACE Funding, walima FortiFi) kɛra sababu ye aw ka kalo o kalo so juru sarali cayara siɲɛ fila, aw bɛ taa aw ka so feerela fɛ (aw ye sɛbɛn ɲɛ Foreclosure notice, mortgage muɲuli, ani bɔnɛw dɔgɔyali) ani ka sɛbɛn di i ka mara walima jamana PACE Gɛlɛya / Foreclosure Prevention Fund ma walima ka TILA Ability-to-Repay sariyasun ɲininkali kɛ.
6. Aw ka Contractor License Bond Claim ani State Recovery Fund Claim di ni tile installer ye banki fili. Sigida solar installer tan ni caman ye banki filili sɛbɛn di juruw bɔli kɔfɛ ani ka pannew to so sanfɛ minnu tɛ fanga sɔrɔ. Aw kana banki filili kiritigɛso makɔnɔ; ka ɲinini kɛ k’a ɲɛsin installer ka Etat Contractor Surety Bond ma, i ka Etat Residential Contractor Recovery Fund, ani wariko sosiyete ma FTC Holder Rule kɔnɔ.

flowchart TD
    A["Discover Predatory Solar Contract, PACE Tax Lien, walima So ɲɛnabɔli nanbarako"] --> B{"O baara in musaka kɛra cogo di?"}
    B -->|"A bolonɔ bilala Tile 3-14 labanw kɔnɔ (walima a ma di abada ka ban sɛbɛn di) ."| C["Mail & Email Sariyasen Cooling-Off Laseli ka ɲɛsin Rescission ma Bi; So sanfɛla sigili si bali"]
    B -->|"PACE ka nafolomafɛnw jatebɔ Lien"| D["Audit for Forged DocuSign, Lack of Repay (ATR) Verification, walima maakɔrɔw ka wariko juguya"]
    D --> E["File CFPB / Jamana sariyasunba ka jalaki (misali la, CA DFPI), Demand PACE Administrateur Fee Waiver/Rescission, & Protect Mortgage Escrow"]
    B -->|"Tile juru min bɛ kɛ mɔgɔ sabanan fɛ (Installer ye nkalon tigɛ, a ye banki fili, walima No Utility PTO)"| F["FTC Holder Rule Notice sɛbɛnnen (16 CFR Part 433) di Solar Lender Demanding Loan Cancellation & Refund"]
    B -->|"San 25 tile jago walima kuran sanni bɛnkan (PPA) ."| G["Demand Production Garanti Audit, Dispute Deceptive Utility-Savings Claims, ani Gɛlɛya min bɛ kɛ ni sɛbɛnw ye minnu tɛ bɛn ni UCC-1 ye"]

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Dakun fɔlɔ : Faamuyali 3 minnu bɛ se ka kɛ sababu ye ka fanga saniyalen wariko ɲɛnabɔ¶

Ni so ɲɛnabɔli walima tile baarakɛyɔrɔ dɔ ye sotigi dɔ laɲini, u bɛ baara kɛ ni sariya fɛɛrɛ saba dɔ ye. U kelen-kelen bɛɛ bɛ bagabagali wɛrɛ ta i ka so tɔgɔ n’a ka wariko la:

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Dakun 2nan : Ka i ka so lafasa PACE Property Tax Lien (PACE Property Tax Lien) min bɛ mɔgɔ minɛ¶

Property Assessed Clean Energy (PACE) dabɔra walasa minisiriso ka se ka wari sɔrɔ fanga sɔrɔcogo ɲuman walima sanfiɲɛba gɛlɛyali sɛnɛfɛnw na (pannew, HVAC sitɛmuw, impact windows, so sanfɛlanw) minnu bɛ sara nafolo taji sɛbɛn fɛ. Ikomi PACE ɲɛmɔgɔw tun bɛ u jigi da da-ni-da baarakɛlaw kan i n’a fɔ jurudonnaw, wa tuma caman na, u tun tɛ se k’a lajɛ ni sɔrɔ bɛ sotigi dɔ bolo ka se ka impositi jiginni kɛ, sotigi ba caman minnu ka sɔrɔ man bon ani minnu ye mɔgɔkɔrɔbaw ye California, Floride, ani Missouri, olu tun bɛ sɛgɛn ni $50,000+ ye, u tun tɛ se ka min sara.

Aw ka sariyasen 4 lafasaliw ka ɲɛsin PACE Lien ma min tɛ se ka sɔrɔ walima min ye nanbara ye¶

1. Fɛderasiyɔn TILA ka sariyasen Z "Se ka sara" (ATR) ka yamaruya (12 CFR Siginiden 1026.43):
2. Ka tugu Sɔrɔko yiriwali, sariyasunba dɛmɛni, ani musakabɔlaw lakanani sariya san 2018 (Sigida 307) ani CFPB ka sigiyɔrɔma PACE sariya kɔfɛ, fédéral Truth in Lending Act (TILA) sariyaw bɛ sigiyɔrɔw PACE jateminɛw jate konsumaya juruko jago minnu bɛ kɛ ka kɛɲɛ ni fédéral Ability-to-Repay (ATR) ka wajibi gɛlɛnw ye.
3. Sariya b’a ɲini min fɛ: Sani a ka PACE ka bolomafara daminɛ, PACE ɲɛmɔgɔ ka kan ka sotigi ka sɔrɔ sisan, a ka nafolo, a ka juruw wajibiyalenw, ani kalo o kalo so musaka nɔ tigitigi sɛgɛsɛgɛ (o la, sow musakaw ka panni bɛ se ka kɛ) ni mɔgɔ sabananw ka sɛbɛnw ye minnu bɛ se ka da u kan (tax returns, W-2s, Social Security award letters, pay stubs) ka se a jira ko sotigi bɛ se ka jateminɛ kɛ k’a sɔrɔ a ma u ka so juru sara.
4. I ka fura: Ni PACE feerekɛla dɔ ye i ka sɔrɔ labɛn tablɛti ɲinini sɛbɛn kan, ni a ma i ka Lakanali Sosiali walima i ka penisiyɔn sɔrɔ sɛgɛsɛgɛ abada, walima ni a ma TILA ka juru jateminɛ ni dadonni sɛbɛnw di minnu wajibiyalen don ni tile 3 makɔnɔni waati ye, i bɛ ni fédéral TILA sababu ye ka wale kɛ rescission, statutory damages, ani full attorney’s fees.
5. Jamana ka sariyasen PACE lakanani (Kalifɔrni ani Floride):
6. Kalifɔrni (DFPI Oversight & AB 1284 / SB 242): Kalifɔrni jamana na, PACE porogaramu ɲɛmɔgɔw bɛ labɛn Nafolo lakanani ni kokuradonni minisiriso fɛ (DFPI) Kalifɔrni wariko sariya kɔnɔ. Kalifɔrini nafolo sariyasen 22684 et seq. ani Nbɛdaw ni siraba sariyasen 5913 kɔnɔ, PACE ɲɛmɔgɔ dɔ balilen don sariya fɛ ka sɔn jateminɛ ma fo n’a y’a sɔrɔ u ye fɔlɔ ka sɔrɔ ni musaka sɛgɛsɛgɛli gɛlɛn kɛ ani ka **welekan sɛbɛnnen kɛ da la ni sotigi ye SANI sotigi ka bolonɔ bila bɛnkansɛbɛn na, o tugura o kɔ ka kɛɲɛ ni wajibi ye baara tile 3 josariyaw la ka ban (baara tile 5 mɔgɔkɔrɔbaw fɛ minnu si bɛ san 65 la walima ka tɛmɛ o kan). Baarakɛla dɔ dagalen don ka farikoloɲɛnajɛ baara si daminɛ i ka so kan fo tile 3/tile 5 tiɲɛni waati ka ban.
7. Florida (Sigida 163.08, Floride sariyaw, i n’a fɔ a ladilanna cogo min na SB 770 fɛ): Floride sariya b’a ɲini wajibiya ka weleli sɛbɛnnenw kɛ, a bɛ PACE jateminɛw bɛɛ lajɛlen dantigɛ ni kɛmɛsarada la 20 ye nafolo nafa tilennen na, a bɛ jurudonnaw ka kunnafoni sariyaw wajibiya, a bɛ jateminɛw bali ka kɛ fɛnw kan minnu ka impositi walima sobonw ma dafa, ani ka dɛmɛ don a wajibi 3-baara-don josariyaw ka cancel.
8. Elektroniki bolonɔbila ani maakɔrɔw ka wariko juguya (Void Ab Initio):
9. Aw ye DocuSign walima ɛntɛrinɛti jatebɔ sɛbɛn sɛgɛsɛgɛ aw ka PACE bɛnkansɛbɛn kan. Sariya dɛmɛni ko caman na minnu sɛbɛnnen don, da ni da baarakɛlaw ye imeyilɛri nkalonma dɔ da (i n’a fɔ john.smith.solar123@gmail.com) ko dutigi kɔrɔba in tun tɛ sotigi ye abada, ka PACE ka bɛnkansɛbɛn ni TILA ka kunnafoniw ci o imɛri nkalonma in ma, ka bolonɔbila kɛsu minnu yɛrɛ digi u ka tablɛti kan.
10. A jiracogo: Aw bɛ DocuSign Certificate of Completion / IP Address Audit Trail ani Confirmation Call ka mankan sɛbɛnni ɲini PACE ɲɛmɔgɔ fɛ o yɔrɔnin bɛɛ. Ni imayili ladɛrɛsi min bɛ bɛnkansɛbɛn kan, o tɛ i ta ye, ni IP ladɛrɛsi ye feerekɛla ka selilɛri tablɛti ta ye, walima ni kumakan min bɛ sɛgɛsɛgɛli weleli kan, o tɛ i ta ye (walima i degecogo la i bɛ se ka min fɔ k’a sɔrɔ i m’a faamu ko o tun ye nafolomafɛnw ta ye), bɛnkansɛbɛn ye void for fraud in the execution (fraud in factum) ani a bɛ kɛ kojuguba ye Makɔrɔbaw ka wariko juguya.
11. Blocking Mortgage Foreclosure min bɛ sɔrɔ PACE Escrow Spike fɛ:
12. Ni i ka marabolo ka nafolo sarata wulila ni dɔrɔmɛ 6000 ye san kɔnɔ ka da PACE kan, i ka bonbonsi baarakɛla fɔlɔ bɛ marabolo takasi wari sara ka bɔ i ka bolomafara jatebɔsɛbɛn kɔnɔ walasa ka banki ka bolomafara lakana, o kɔfɛ, a bɛ Escrow Shortage Notice ci i ma ka dɔ fara i ka kalosara kan ni dɔrɔmɛ 500 ye ka se dɔrɔmɛ 1000 ma kalo o kalo (k’a masɔrɔ banki bɛ wari min lajɛ kalo 12 kɔfɛ dɛsɛ ANI kalo 12 nataw ka impositi hakɛ cayalenba fila bɛɛ waati kelen na).
13. Aw ka teliya ka wale kɛ ni aw ka bonbonsi baarakɛla ye: Aw ye aw ka bonbonsi baarakɛla fɔlɔ ka bɔnɛw dɔgɔyali baarada wele joona ani ka kalo 60 (san 5) Escrow Shortage Repayment Spread ɲini k’a sɔrɔ aw bɛ PACE lien sɔsɔ, walima ka juru caman caman cili ɲini (aw ye sɛbɛn ɲɛ Foreclosure notice, mortgage muɲuli, ani bɔnɛw dɔgɔyali).

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Fasokan2009-09_enterneti_kalanni.dis.html,#5413333 3nan : FTC Holder Rule ka marifa kɛ tile juruw la minnu bɛ fɛnw tiɲɛ¶

Dutigi fanba minnu bɛ panneau solaire san, olu b’a miiri ko ni tilebɔ sosiyete bɔra baara la, ka baara bila sanni a ka tɛmɛ dugu sɛgɛsɛgɛli la, walima ni nkalon tigɛra Fédéral Tax Credit ko la, sotigi bɛ siri tile juru sarali la bawo banki ye sosiyete danfaralen ye. Fédéral sariya kɔnɔ, o ye nkalon ye kɛmɛsarada la.

FTC Holder Rule (16 CFR Part 433) bɛ i lakana cogo min na¶

Tuma o tuma ni feerekɛla dɔ (tile sigibaga, finɛtiri baarakɛyɔrɔ, walima HVAC baarakɛla) ye wariko labɛn i ye jurudonna jɛɲɔgɔn fɛ (i n’a fɔ GoodLeap, Mosaic, Sunlight Financial, Dividend, walima Synchrony), Federal Trade Commission (FTC) Preservation of Consumers’ Claims and Defenses Rule (16 CFR Part 433), min bɛ wele diɲɛ bɛɛ kɔnɔ ko Holder Rule, o b’a ɲini nin dakun jɛman in ka sɛbɛn i ka juruko bɛnkansɛbɛn kɔnɔ:

KƆLƆSI: NIN ƝƐNABƆLI ƝƐNABƆLI ƝƐNABƆLI MIN BƐ SƆRƆ MIN BƐ SE KA ƝƐNABƆLI NI ƝƐNABƆLI BƐƐ SƆRƆ MINNU BƐ SE KA SƐBƐN FƐNW WAALIMA BAARAKƐLAW FƐƐRƐLA MA, MIN YE MIN SƆRƆ KA KƆRƆ YE WAALIMA SƆRƆ MIN BƐ SƆRƆ YAN. JURUGU MIN BƐ SƆRƆ ƝƐNABƆLI LA, O TƐ TƐMƐ JURUGU MIN BƐ SARA ƝƐNABƆLI LA.

O kɔrɔ ye mun ye tubabukan gansan na? 1. I bɛ se ka nkalon kelen-kelen bɛɛ jira, ka bɛnkansɛbɛn tiɲɛ, walima sariya tiɲɛni min kɛra tile sigibaga fɛ k’a ɲɛsin tile jurudonna ma walasa ka juru balansi tiɲɛ ani ka wari saralenw sɔrɔ kaban. 2. Hali ni tile sosiyete ye banki fili ka tunun, tile jurudonna tɛ se k'a fɔ "An ka gɛlɛya tɛ, a ta ka taa a bila installateur fɛ." Ikomi jurudonna ye juru in musaka kɛ installateur ka tablɛti dakun fɛ, jurudonna jɔlen bɛ installateur kɔrɔlen walima banki fililen ka sanbara kɔnɔ.

Solar Scam 5 minnu ka ca kosɛbɛ minnu bɛ FTC Holder Rule tiɲɛni daminɛ¶

• Namara 1: Panɛriw minnu tɛ fanga sɔrɔ ("Orphaned Systems" without Utility Permission to Operate / PTO): A sigibaga bɛ pannew siri i ka so sanfɛ, o yɔrɔnin bɛɛ la, a bɛ juru kɛmɛsarada la bɔli daminɛ tile jurudonna fɛ, a kɛtɔ ka dafalensɛbɛn nkalonma di, o kɔfɛ, a bɛ tunun sanni a ka tɛmɛ minisiriso ka kuran sɛgɛsɛgɛli fɛ walima ka Permission sɔrɔ ka baara kɛ (PTO) ka bɔ aw ka kuran baarakɛyɔrɔ la. Ikomi i ye kalo 6 fo kalo 18 kɛ ka tile juru $250/kalo ANI i ka kuran wari bɛɛ sara gilasi salenw na i ka so sanfɛ, jateminɛ dɛsɛ pewu bɛ yen min b’a to i bɛ se ka juru sarali jɔ ani k’a ɲini jurudonna fɛ a ka baarakɛla dɔ sara min ka lase bɛ a bolo walasa ka o sistɛmu baara ka ban walima ka juru tiɲɛ a bɛɛ lajɛlen na.
• Namara 2: Impositi juru nanbara kɛ sotigiw la minnu ka sɔrɔ man bon walima minnu ye lakɔlibila kɛ: Feerekɛlaw bɛ to k’a fɔ lakɔlibilabagaw ye minnu bɛ balo ni Lakanali Sosiali walima bololabaarakɛlaw ka nafaw ye ko fédéral gofɛrɛnaman bɛna dɔrɔmɛ 12.000 ci u ma Awirilikalo nata la, ka ɲɛsin 30% Residential Clean Energy Credit ma. Tiɲɛ na, fédéral ka tile impositi juru (26 U.S.C. Section 25D) ye sɔrɔta impositi juru ye min tɛ se ka segin, A TƐ stimulus check ye min bɛ se ka segin. Ni i ka juru bɛ ​​$0 na fédéral ka sɔrɔta impositi la (k’a masɔrɔ i ka sɔrɔ tɛ impositi la Sekirite Sosial walima a ka dɔgɔ ni deduction standard ye), i bɛ $0 sɔrɔ IRS fɛ, ani kalo 18 la, i ka tile juru sarali bɛ caya ni kɛmɛsarada la 40 ye bawo warijɛ $12.000 t i bolo ka juru kunba sara. Ka impositi dɔgɔyali min tɛ se ka segin, o fɔ cogo jugu la, k’a kɛ wari seginni garanti ye, o ye jago nanbarako ye min tɛ sariya kɔnɔ (UDAP).
• Scam 3: Undisclosed 30% Dealer Fees (Hidden Finance Charges under TILA): Walasa k’i lafili k’a miiri ko i bɛ "1,99% walima 3,99% APR juru" sɔrɔ, tile jurudonna bɛ 25% fo 35% origination fee sara installer la, o installer bɛ o fara gundo la i ka solar pannew ka wari sɔngɔ kan. Tiɲɛ jurudon sariya kɔnɔ (15 U.S.C. Section 1605), sara o sara bɛ fara fɛnw sɔngɔ kan dɔrɔn bawo feerekɛla bɛ wari di sanni a ka wari sara, o ye Nafolo sara ye min ka kan ka fɔ APR ​​ni Nafolo sara kɛsu kɔnɔ. Ka feerekɛla ka sara $12.000 dogo minɛnw sɔngɔ kɔnɔ, o bɛ TILA ni jamana ka walew ni walew sariyaw tiɲɛ minnu bɛ tilenbaliya ni nanbara kɛ.
• Namara 4nan: So sanfɛla tiɲɛni ni doni camanba jɔli la min ma dilan: Feerekɛlaw bɛ sɔn tile sigili ma so sanfɛ san 22 kan, a jɛlen don ko u mago bɛ fɛn wɛrɛ la fɔlɔ, walima lag-bolt racks ka tilennen ka tɛmɛ shingles fɛ k’a sɔrɔ u ma flash, o bɛ kɛ sababu ye ka kɔnɔna plafond bɔgɔbɔ (aw ye sɛbɛn ɲɛ Baarakɛlaw bilali, mekanikiw ka bololabaarakɛlaw ka bagabagali, ani so dilancogo min ma ban).
• Scam 5: Falsified Utility Bill Savings Projections: Feerekɛlaw bɛ porogaramuw modɛliw sɛgɛsɛgɛ (ka jiri janw sumaya walima ka tariku utility escalation rates fiyɛ) walasa ka layidu ta ko i ka kuran wari bɛna kɛ $0 ye, k’a sɔrɔ tiɲɛ yɛrɛ la, i ka so sanfɛla ɲɛsinnen bɛ worodugu ma jiri girinmanw jukɔrɔ, wa a bɛ kilowati-lɛrɛ layidu ta kɛmɛsarada la 40 bɔ.

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Fasokan2009-09_enterneti_kalanni.dis.html,#5417333 4nan : Solar UCC-1 Fixture Filing min man ɲi ka bɔ i ka so tɔgɔ la¶

Ni i ye i bolonɔ bila tile juru walima tile jago/PPA la, wariko tɔn bɛ UCC-1 Nafolo jatebɔsɛbɛn (Fixture Filing) sɛbɛn i ka mara dugukolo sɛbɛnw kɔnɔ.

• UCC-1 TƐ i ka so juru ye: Sariya siratigɛ la (Code Uniforme Commercial Section 9-334), UCC-1 fixture file bɛ lakana nafa dɔrɔn di tile sosiyete ma ti pannew ni inverterw yɛrɛ la i n’a fɔ mɔgɔ yɛrɛ ka nafolo/fixtures minnu bɛ se ka bɔ. A t ka ipoteki lien di u ma i ka dugukolo kan.
• Mun na a bɛ so feereli ni wariko seginni jɔ hali bi: Ikomi UCC-1 sɛbɛnnen bɛ marabolo ka dugukoloko jatebɔsɛbɛn kɔnɔ, otomatiki title-company porogaramuw b’a jira ko a ye doni ye i ka titre kan. I ka wariko seginni jurudonna walima so sanbaga ka banki bɛna ban ka da tugu fo UCC-1 ka wuli waati dɔ kɔnɔ (Subordinated / Released and Re-recorded) walima ka ban.
• UCC-1 min ma bɛn walima min banna ni fanga ye cogo min na:
• Ni i mago bɛ dɔrɔn ka i ka so fɔlɔ wari segin, i ka sɛbɛn ci tile sosiyete ka Title / Subordination Department ma k’a ɲini waati dɔɔnin kɔnɔ UCC-3 Termination for Refinance / Subordination Agreement.
• Ni i ka bɛnkansɛbɛn tiɲɛna, ni a tiɲɛna, walima ni a sarala, walima ni tile baarakɛda dɔ ye Tile fanga dilanbaga yɛrɛmahɔrɔnyalen kunnafoni nkalonma walima dugukoloko bolodacogo bɛnbali sɛbɛn, i ka Authenticated Demand for UCC-3 Termination Statement ci cogo labɛnnen na UCC Siginiden 9-513 kɔnɔ. UCC Siginiden 9-513(b) kɔnɔ, mɔgɔw ka fɛnw ta fan fɛ, mɔgɔ min lakananen don, o ka kan ka UCC-3 Dabilasɛbɛn di tile 20 kɔnɔ i ka ɲinini lakika sɔrɔlen kɔfɛ (walima kalo 1 kɔnɔ a yɛrɛma ni wajibi si tɛ yen). Ni u ma o kɛ tile 20 kɔnɔ, i ye yamaruya sɔrɔ sariya fɛ UCC sigida 9-509(d)(2) kɔnɔ ka UCC-3 Dabilasɛbɛn di i yɛrɛ ma mara sɛbɛnnikɛla fɛ, ani jurudonna ka juru bɛ ​​i la $500 sariya tiɲɛniw na ka fara tiɲɛni lakikaw kan UCC Siginiden 9-625(e) kɔnɔ.

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Fasokan2009-09_enterneti_kalanni.dis.html,#5417333 5nan : Daɲɛ-daɲɛ-sɛbɛnw walasa ka bɛnkansɛbɛnw tiɲɛ ani ka FTC Holder Rule sinsin¶

Jatebla 1: Sariyasen kɔnɔ, nɛnɛko kunnafoni min b’a jira ko i ye i bolonɔ bila (A bɛ ci Tile 3 fo 14 kɔnɔ, i bolonɔbila kɔfɛ, walima waati o waati ni i bolonɔbila kunnafoni ma bɔ)¶

[Date]

VIA CERTIFIED MAIL (RETURN RECEIPT REQUESTED) AND EMAIL
Tracking Number: [Insert Tracking Number]

To: [Name of Solar / Home Improvement Contractor] ([Address & Email])
AND TO: [Name of Solar Finance Company or PACE Administrator] ([Address & Email])

Re: STATUTORY NOTICE OF CANCELLATION OF CONTRACT AND FINANCING AGREEMENT
Homeowner Name(s): [Your Full Name(s)] | Property Address: [Your Street Address]
Contract / Loan / Assessment Number: [Insert Number] | Date Signed: [Insert Date]

To Whom It May Concern:

Pursuant to the Federal Trade Commission Cooling-Off Rule (16 CFR Part 429), the Truth in Lending Act Right of Rescission (15 U.S.C. Section 1635 / 12 CFR Section 1026.23), and applicable state Home Solicitation Sales and PACE Cancellation Statutes [including extended senior citizen cancellation rights and ongoing rescission rights for failure to deliver compliant written Notices of Cancellation], I hereby CANCEL AND RESCIND the above-referenced home improvement / solar installation contract and all associated loan, lease, PPA, or PACE assessment financing agreements in their entirety, effective immediately.

1. DO NOT DELIVER MATERIALS OR ENTER MY PROPERTY: You are hereby prohibited from entering my property, pulling building permits, or commencing any installation work.
2. IMMEDIATE LOAN / ASSESSMENT CANCELLATION AND REFUND: You must within ten (10) business days cancel and void any promissory note, retail installment contract, lease, or PACE assessment agreement, return any payments or deposits made, and refrain from recording (or immediately terminate and release) any UCC-1 fixture filing or assessment lien against my property title.

Sincerely,
[Your Signature, Printed Name, Address, and Phone Number]

Jatebla 2: FTC Holder Rule Claim & Demand for Loan Cancellation (Tile / So ɲɛnabɔli jurudonna kɛlɛli)¶

[Date]

VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED
Tracking Number: [Insert Tracking Number]

To: [Name of Solar / Home Improvement Lender, e.g., GoodLeap / Mosaic / Sunlight / Synchrony]
Attention: Legal Department & Consumer Disputes / Holder Rule Claims
[Lender Street Address]

Re: FORMAL NOTICE OF CLAIMS AND DEFENSES UNDER THE FTC HOLDER RULE (16 CFR PART 433)
AND DEMAND FOR CONTRACT CANCELLATION, REFUND, AND UCC-3 TERMINATION
Borrower Name(s): [Your Full Name(s)] | Property Address: [Your Street Address]
Loan Account Number: [Insert Account Number] | Seller / Installer: [Insert Installer Name]

To Whom It May Concern:

Pursuant to the Federal Trade Commission Preservation of Consumers' Claims and Defenses Rule (the "FTC Holder Rule," 16 CFR Part 433) and the explicit Holder Rule notice contained in my loan contract, you, as the holder of this consumer credit contract, are legally subject to all claims and defenses that I have against the seller/installer, [Name of Installer].

1. STATEMENT OF BREACH OF CONTRACT, FRAUD, AND STATUTORY VIOLATIONS BY SELLER:
The seller/installer engaged in material breach of contract, fraudulent misrepresentations, and Unfair and Deceptive Acts and Practices (UDAP), specifically:
- FAILURE OF CONSIDERATION / INOPERABLE SYSTEM: Despite disbursing loan funds to the seller on [Date], the system has never passed municipal inspection and/or has never received utility Permission to Operate (PTO), leaving me with an unenergized/non-functioning system for [Number] months while paying full utility bills.
- DECEPTIVE TAX CREDIT & FINANCIAL MISREPRESENTATIONS: The seller's representative fraudulently represented that the 30% federal tax credit was a guaranteed cash rebate despite my retirement/tax-exempt income status, and failed to disclose a hidden dealer financing fee of approximately $[Amount] embedded in the principal cash price in violation of the Truth in Lending Act.
- CONTRACTOR ABANDONMENT AND PROPERTY DAMAGE: The seller abandoned the project and/or caused active roof leaks and structural damage to my home.

2. FORMAL DEMAND FOR RELIEF:
Because there has been a material failure of consideration and statutory fraud in the origination of this transaction, I hereby assert my defenses under the FTC Holder Rule to withhold further payments on this disputed obligation and demand that you within thirty (30) calendar days:
(a) Cancel and discharge 100% of the remaining principal and interest balance on Loan Account #[Number];
(b) Refund all monthly payments totaling $[Amount] that I have paid to you under this contract;
(c) Delete all trade line reporting (or remove any adverse credit reporting) from Equifax, Experian, and TransUnion; and
(d) File a formal UCC-3 Termination Statement releasing any UCC-1 fixture filing recorded against my property title within twenty (20) days pursuant to UCC Section 9-513.

Copies of this notice are being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the State Attorney General's Office.

Sincerely,
[Your Signature, Printed Name, Address, Email, and Phone Number]

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Dakun 6nan : Dugukolo kan fanga saniyalen ni da ni da so ɲɛnabɔli lakanani¶

• Kanada (Marabolow ka dankarili da-ni-da HVAC / Solar Scams & Lakanali nafaw sɛgɛsɛgɛli laseli):
• Ontario (Consumer Protection Act, 2002 & Homeowner Protection Act, 2024): Ontario ye forow, fiɲɛbɔlanw, jisumalanw, ani ji saniyalanw feereli dabila da ni da, min ma ɲini san 2018 kɔnɔ bɛnkansɛbɛn o bɛnkansɛbɛn min bolonɔ bilala ka bɔ taama na min ma ɲini, o tɛ sariya siratigɛ la. Ontario ka Homeowner Protection Act, 2024 (Bill 200) kɔnɔ, mara in ye dabila ka Consumer Notices of Security Interest (NOSIs) sɛbɛnni kɛ dugukolo sɛbɛnfura kan ani a ye kɔfɛ ka jate kɛ ko consumer NOSI sɛbɛnnenw bɛɛ minnu bɛ dugukolo tɔgɔw kan, olu bɛɛ waati tɛmɛna ani ko u tɛ foyi kɛ, o kɛra sababu ye ka sotigiw bila ka u bɔ titre la fu.
• Alberta (Consumer Protection Act & Direct Selling Business Licensing Regulation): A bɛ forow, fiɲɛbɔlanw, jisumalanw, finɛtiriw, ani kuran jateminɛw/tile fɛnw feereli da-ni-da min ma ɲini, ani ka tile 10 nɛnɛ-ka-bɔli hakɛ di feereli tilennenw kan (a bɛ janya fo san 1 ni kunnafoni minnu tɛ lase sɔrɔ walima minnu tununna).
• Royaume-Uni (Mɔgɔw ka bɛnkansɛbɛnw sariyaw san 2013 & Siginiden 75 CCA 1974):
• Tile 14 Nɛnɛ Hakɛ: Mɔgɔw ka bɛnkansɛbɛnw sariyaw san 2013 kɔnɔ, bɛnkansɛbɛn o bɛnkansɛbɛn min bolonɔ bilala i ka so, o bɛ ni don 14 kalandriya hakɛ wajibiyalen ye ka tiɲɛni (a bɛ janya fo kalo 12 ani tile 14 ni tiɲɛni kunnafoniw ma bɔ).
• Sigida 75 Jalaki kelen: Ka kɛɲɛ ni San 1974 sariyasen 75nan ye, ni i bɛ tile pannew, funteni pɔnpew, walima galasi fila musaka kɛ feerelikɛyɔrɔ jurudonna bɛnkan fɛ (walima ka wari bilalen £100 sara ni karti ye) ka ɲɛsin sistɛmu ma min musaka ye £100 fo £30,000 ye, nafolo sosiyete walima karti dibaga bɛ jɛ ka caman bɛ jalaki ni installateur ye ni bɛnkan tiɲɛni walima kunnafoni tiɲɛnen dɔ kɛra, ni sɛgɛsɛgɛli fu ye ka taa Nafolo Lafasalitɔn (FOS) ani MCS / RECC la.
• Ɔsitarali (Ɔsitarali jamana ka musakabɔ sariya bɛnkansɛbɛn minnu ma ɲini):
• Ostrali jamana ka musakabɔlaw ka sariya (ACL) sigida 69nan fo 88nan kɔnɔ, da ni da walima telefɔni feereli min bɛ tɛmɛ dɔrɔmɛ 100 kan, o bɛ taa ni baarakɛdon 10 nɛnɛ waati ye, o waati la, feerekɛla a dagalen don ka minɛn si sigi walima ka sɔn wari sarali ma. Ni feerekɛla ye weleli waatiw tiɲɛ, ni a ma "Aw kana gosi" stika la, walima ni a ye minɛnw bila tile 10 nɛnɛ waati kɔnɔ, i ka jo bɛ taa fo kalo 6 la, ka kɛɲɛ ni ACL sigida 82 ye, ani jurudonna minnu ni ɲɔgɔn cɛsirilen don, olu bɛ jɛ ka jalaki ACL sigida 278 kɔnɔ.

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Ɲininkali minnu bɛ kɛ tuma caman na¶

Yala tile jagokɛla dɔ walima tile jurudonna dɔ bɛ se ka ne ka so minɛ ni ne ye u sarali dabila wa?¶

A bɛ bɔ n’i ye i bolonɔ bila a PACE Jateminɛ versus a standard Solar Loan walima Lease/PPA. Ni i ye i bolonɔ bila a PACE Jateminɛ, ɔwɔ : bawo PACE sɛbɛnnen don iko minisiriso ka nafolomafɛnw minɛcogo min ka bon kosɛbɛ, wari sarabaliya bɛ nafolomafɛnw taasibilabaliya walima ipoteki escrow default bila mɔgɔ la min bɛ se ka kɛ sababu ye ka impositi minɛcogo minɛ walima ka bonbonsi minɛ i ka so kan. O kɔfɛ, ni i ye i bolonɔ bila a standard Solar Loan walima Solar Lease/PPA lakananen dɔrɔn ni a UCC-1 Fixture Filɛli, UCC-1 bɛ tile pannew yɛrɛ dɔrɔn de datugu. Tile jurudonna tɛ se ka i ka so minɛ k’a ɲɛsin i ma UCC-1 sɛbɛn fɛ, hali n’u bɛ se ka pankurunw ta kokura walima ka kiritigɛ siwili la fo n’i y’a jira ko FTC Holder Rule lafasaliw bɛ se ka kɛ.

Ne bɛ se ka n ka so feere cogo di ni sannikɛla banna ka n ka san 25 tile jago walima PPA ta?¶

A ɲini faama fɛ Lease Transfer / Assumption Pake ye ani ka Sarali ɲɛfɛ / Sanni waati bolodacogo ka bɔ tile sosiyete fɛ sanni i ka i ka so tɔgɔ sɛbɛn. Ni sistɛmu bɛ ka baara kɛ ka ɲɛ a ka bɛnkansɛbɛn kɔnɔ Garanti min bɛ sɔrɔ fɛnw dilanni na walima ni feerekɛla ye nanbara kɛ a daminɛ na, i ka sɔsɔli sɛbɛn dɔ di min b’a ɲini ka bɛnkansɛbɛn tiɲɛ walima ka dɔ bɔ sanniko ɲɛnabɔli la. Ni jagokɛyɔrɔ bɛ se ka kɛ, wa sannikɛlaw ma sɔn k’a miiri, aw ka kumaɲɔgɔnya kɛ ni tile sosiyete ye walasa ka jagokɛyɔrɔ tɔ sara ka kɔn o ɲɛ ni sɔngɔ jɛlen ye min bɛ dɔgɔya (ka dɔrɔmɛ 0 to kalo o kalo sannikɛla kura bolo) sanni aw ka sugu nafa tilennen minɛnw sanni sara min wulilen don, o sara.

Ni n ka solar installer ye banki fili ani ni n ka pannew sigilen bɛ n ka so sanfɛ, olu fagara do?¶

Aw kana to ka tile juru sara, sistɛmu salen dɔ kama, min ma baara kɛ, k’a sɔrɔ aw ma jurudonna bila sariya siratigɛ la. O yɔrɔnin bɛɛ la, aw bɛ Sɛbɛn min Sɛmɛntiyalen dɔ ci tile wariko tɔn ma min bɛ wele bila... FTC tigiw ka sariya (16 CFR Yɔrɔ 433) . (aw ye sɛbɛn ɲɛ 2 lajɛ sanfɛ). A ɲini jurudonna fɛ a ka kalo o kalo waribɔ ni tɔnɔ sɔrɔli bɛɛ jɔ, ka tile baarakɛla dɔ ta min ka lakɔliso sɛbɛn bɛ a nɔ na jurudonna ka musakaw la walasa ka tɛmɛ minisiriso ka sɛgɛsɛgɛli fɛ ani ka utilité Permission to Operate (PTO) sɔrɔ, walima ka juru in tiɲɛ a bɛɛ la. O waati kelen na, aw ka ɲinini kɛ banki fililen installer ta kan Jamana ka baarakɛlaw ka lase garanti (Surety Bond). ani i ka jamana ta Sigida baarakɛlaw ka seginkanni nafolo.

Yala ne bɛ se ka 30% Fédéral Residential Clean Energy Tax Credit ɲini ni ne ye n ka tile pannew jate walima ni ne ye n bolonɔ bila Power Purchase Agreement (PPA) la wa?¶

Ayi, Kɔnɔnakow sariyasen 25D (26 U.S.C. Siginiden 25D) kɔnɔ, takasibilabaga dɔrɔn de bɛ... sanniw ni tigiw tile sira (a kɛra ni wari ye k’a jɛya walima ni tile juru ye) bɛ se ka 30% Residential Clean Energy Credit ɲini IRS ka sɛbɛn 5695. N’i ye i bolonɔ bila Tile Jago walima Kuran sanni bɛnkansɛbɛn na (PPA), tile jago tɔnba de ye pannew tigi ye, wa a bɛ jago impositi dɔgɔyali ɲini a yɛrɛ ye. Feerekɛla o feerekɛla y’a fɔ i ye ko i bɛ se ka 30% IRS ka impositi dɔgɔyali ɲini tile jago walima PPA kan, o ye nanbara kɛ kunmabɔnafolo la.

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Sosow sɛgɛsɛgɛra¶

• Federal Trade Commission (FTC) (Etazuni): Jagokɛlaw ka ɲininiw ni u ka lafasali sariya (FTC Holder Rule), 16 CFR tilayɔrɔba 433 ani FTC Cooling-Off Rule, 16 CFR tilayɔrɔba 429.
• Mɔgɔw ka nafolo lakanani biro (CFPB) (Amerika): Sigiyɔrɔmafɛnw jateminɛni fanga saniyalen (PACE) wariko sariya (TILA sariya Z), 12 CFR Siginiden 1026.43 ani CFPB koɲɛw ɲɛfɔli: Tile wariko (Awirilikalo 2024).
• AN. Nafolomara & Kɔnɔna nafolo mara baarada (IRS) (Etazuni): Sigiyɔrɔw ka fanga saniyalen juru (26 U.S.C. Section 25D / IRS Form 5695 Instructions).
• Kalifɔrni nafolo lakanani ni kokuradonni minisiriso (DFPI) & Floride sariyaw (Amerika): Kalifɔrni nafolo sariyasen 22684 et seq. (PACE Porogaramu ɲɛmɔgɔw), Kalifɔrni jamana sariyasen 1689.6, ani Florida sariyaw sigida 163.08.
• Ontario jamana ka foroba ni jagokɛlaw ka baara minisiriso (Kanada), FCA (Republique Unie), & ACCC (Australie): Ontario ka sotigiw lakanani sariya, san 2024 (Sariyasen 200 min bɛ Consumer NOSIs bali); Angletɛri ka jurudonna sariya san 1974 (Sigida 75); ani Ɔsitarali jamana ka musakabɔ sariya (Sigida 69 fo 88).

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Gafe minnu bɛ tali kɛ o ko la¶

• Baarakɛlaw bilali, mekanikiw ka bololabaarakɛlaw ka bagabagali, ani so dilancogo min ma ban
• Foreclosure notice, mortgage muɲuli, ani bɔnɛw dɔgɔyali
• Nafolo impositi tiɲɛni, impositi lien feereli, ani homestead kunmabɔli
• Maakɔrɔw ka lakanani, avoka ka fanga bɔli, ani dannaya sonya
• Ka i yɛrɛ tanga jurudonnaw ​​ma ani saradon janw
• Kɔrɔtɔko nimɔrɔw ka kɛɲɛ ni jamana ye