Ba Liens ya Impôt ya Biloko ya PACE, ba Locations solaires prédateurs, mpe ba escroqueries ya amélioration ya ndako¶

Koyeba ete motekisi moko ya ndako na ndako atyaki sinyatili na yo (to moboti moko ya mobange) mpo na $35,000 kino $80,000 Property Assessed Clean Energy (PACE) super-priority tax assessment lien, 25 ans escalating solar location, to deguised home-amélioration crédit, surtout tango solar ya toit ba panneaux ekangami na réseau ya utilité te to toit ezali ko fuite, ezali urgence ya urgence ya propriété-titre mpe ya foreclosure. Na bokeseni na kodefa mbongo ya moto ye moko ya mbala na mbala, Kodefa ya PACE ekangamaka mbala moko na facture na yo ya mpako ya biloko ya engumba lokola lien ya mpako ya leta oyo ezali na ntina mingi liboso ya mbongo na yo ya liboso ya ndako, mpe yango esalaka ete mbongo na yo ya sanza na sanza ya escrow ya ndako emata na dolare 400 kino dolare 900 na sanza mpe ebandisaka botekisi mpako to bokangami ya ndako soki ofutaki te. Pendant ce temps, ba location solaire prédative mpe ba Accords ya kosomba puissance (PPA) ekomaka UCC-1 Fixture Filing contre ba dossiers ya titre ya county na yo oyo ekoki kopekisa yo oteka to o refinancer ndako na yo longola se soki ofuti etumbu ya kosomba ya monene. Kotelemisa mitambo oyo esengaka kosalela Droit na yo ya kolongolama ya malili ya mikolo 3 kino mikolo 5, kosalela **Mobeko ya Mobateli ya Commission fédérale ya mombongo (FTC) (16 CFR Eteni 433) mpo na kotika kofuta badefisi ya moi ya bato mosusu ntango mosali ya kontra azali kosala te to akosi, kosala audit ya ba violations ya PACE Ability-to-Repay (ATR) na se ya fédéral Règlement Z ya TILA, mpe kotinda na makasi bolongoli ya ba dossiers ya titre ya UCC-1 oyo ezali na mibeko te.

Sala boye sikoyo¶

1. Batela bokengi na yo ya nzoto mpe komata ata moke te na likolo ya ndako to kosimba ba câbles ya inverseur solaire en direct. Ba panneaux solaires photovoltaïques (PV) ebimisaka courant ya courant direct (DC) ya tension makasi ntango nyonso oyo pole ya moi ebɛti yango, ata soki disjoncteur ya ndako monene ekangami. Komata ata moke te na toit (bomba ata 3 mètres (10 feet) mosika na ba bords ya toit mpe conduite électrique) to komeka kokata câblage solaire yo moko. Soki pile solaire, inverseur, to panneau électrique ezali kobimisa milinga, kobimisa étincelle, to koyoka nsolo ya plastique oyo ezali kozika, bimá mbala moko na ndako mpe benga moto ya mboka na bino banimero ya mbalakaka (911 na États-Unis mpe na Canada, 112 na Union européenne mobimba, 999 na Royaume-Uni, 000 na Australie).
2. Tinda Liyebisi ya Kolongolama na mokanda mbala moko soki otyaki sinyatili na kontra na boumeli ya mikolo 3 kino 14 oyo eleki. Na nzela ya **Mobeko ya FTC Cooling-Off Rule (16 CFR Part 429) mpe Mibeko ya kotɛka ndako ya kosɛnga ndako ya etúká, ozali na lotomo ya mibeko mpenza ya koboya kontra nyonso ya kotɛka ndako na ndako to na ndako na boumeli ya mikolo 3 ya mosala (mpe mikolo 5 ya mosala mpo na mibange mibu 65+ na ba états lokola Californie, mikolo 10 na Ontario mpo na epekiseli ya chauffe-eau/HVAC porte na porte, mpe mikolo 14 na Royaume-Uni mobimba mpe Union européenne). Soki motɛki atye sinyatili na yo na tablɛti mpe atiki yo te bakopi mibale oyo eyokani na mibeko ya formulaire ya Liyebisi ya koboya, lotomo na yo ya kolongola kontra mobimba ekolanda tii ntango bakopesa yo liyebisi yango malamu.
3. Kotika ata moke te motɛkisi ya ndako na ndako asimba smartphone to tablette na yo mpo na kofina na nzela ya ba signature électronique. Bato oyo basalaka bolukiluki na nzela ya moi mpe ya PACE oyo bazali kolya banyama basengaka mbala na mbala na bankolo bandako (mingimingi mikóló oyo bakómi mibange to oyo balobaka Lingelesi ya mboka na bango te) bápesa telefone na bango "kaka mpo na kotala soki toit na yo ekoki kozwa mbongo ya ofele ya Leta," mpe na nsima kobɛta nokinoki na nzela ya DocuSign to vérification automatique esengi mpo na kobimisa lien ya mpako ya PACE ya $50,000 to kodefa ya mibu 25. Soki likambo oyo esalemaki, kosala mbala moko Matata ya bobandi ya kodefa oyo epesami ndingisa te ya mbala moko na modefisi, na conseil d’administration ya licence ya l’Etat, mpe na Procureur général ya l’Etat.
4. Kobenga Mobeko ya Mobateli ya FTC na mokanda mpo na kotelemela société ya misolo ya moi soki ba panneaux esalaka te to mobongisi akosaki. Pene na contrat nyonso ya kodefa na moi mpe ya bobongisi ndako ya kotɛka na biteni ezali na Liyebisi ya Mobeko ya Mobateli ya FTC (16 CFR Eteni 433). Clause fédérale oyo ekomisaka banque to entreprise ya financement solaire (lokola GoodLeap, Mosaic, Sunlight Financial, Dividend, to Service Finance) na ndenge ya mibeko ezala na ba réclamations mpe ba défenses nionso oyo ozali na yango contre installateur solaire, bakisa mpe bokosi, ba frais ya concessionnaire ya 30 pour cent oyo ebombami, mosala oyo epesami ndingisa te, to kozanga kozua utilité Permission to Operate (PTO).
5. Kosala audit ya facture ya impôt ya biloko ya etuka na yo mpe déclaration ya escrow ya hypothèque soki ozali na crédit ya PACE. Soki évaluation ya PACE (oyo etambwisami na ba administrateurs privés ya PACE lokola Renew Financial, Ygrene, Home Run Financing/PACE Funding, to FortiFi) esalaki ete mbongo na yo ya sanza na sanza ya hypothèque emata mbala mibale, benga serviceur na yo ya hypothèque (tala Liyebisi ya kokanga ndako, koyika mpiko ya ndako, mpe kokitisa bobungisi) mpe kosenga na etuka to etuka na yo PACE Hardship / Foreclosure Prevention Fund to kosala plainte ya mibeko ya TILA Ability-to-Repay.
6. Kosala réclamation ya caution ya licence ya entrepreneur mpe Reclamation ya fonds de récupération ya l’Etat soki installateur solaire asali faillite. Ebele ya ba installateurs solaires ya ba résidentiels ba déposer faillite sima ya kozua ba déboursements ya ba crédits mpe kotika ba panneaux sans énergie na ba toits. Kozela te esambiselo ya faillite; réclamer directement contre Cauration de garantie ya entrepreneur ya l’Etat ya installateur, Fonds na yo ya récupération ya entrepreneur résidentiel ya l’Etat, mpe société ya misolo na se ya Mobeko ya Mobateli ya FTC.

flowchart TD
    A["Boyeba Contrat Solaire Predatory, Lien ya mpako ya PACE, to Escroquerie ya amélioration ya ndako"] --> B{"Ndenge nini bazwaki mbongo mpo na mosala yango?"}
    B -->|"Ba signaki na kati ya Mikolo 3-14 oyo eleki (to bapesaki yango ata moke te Formulaire d’annulation)"| C["Mail & Email Liyebisi ya Refroidissement Statutaire ya Rescission Lelo; Bopekisa Kotia Toit Nionso"]
    B -->|"Lien ya Évaluation ya mpako ya biloko ya PACE"| D["Audit mpo na DocuSign ya lokuta, Vérification ya kozanga makoki ya kofuta (ATR), to Kosalela mosolo ya mibange"]
    D --> E["Dossier CFPB / Plainte ya Régulateur ya l’Etat (e.g., CA DFPI), Bosenga PACE Administrateur ya Frais Waiver/Rescission, & Protect Hypothgage Escrow"]
    B -->|"Crédit solaire ya troisième partie (Installer akosi, asali faillite, to PTO ya utilité te)"| F["Salá Liyebisi ya Mobeko ya Mobateli ya FTC oyo ekomami (16 CFR Eteni 433) na ntina ya Modefisi ya Solaire oyo azali kosenga bolongoli & Bozongisi mosolo ya kodefa"]
    B -->|"Boyokani ya bofuteli to ya kosomba nguya ya moi mpo na mibu 25 (PPA) ."| G["Audit ya garantie ya production ya demande, ba réclamations ya déception ya utilité-économie ya matata, mpe ko défier ba liens ya mikanda ya mabe vs UCC-1"]

Eteni ya 1 : Kososola ba structures 3 ya misolo ya énergie propre prédatoire¶

Ntango kompanyi moko oyo esalaka misala ya kobongisa bandako to oyo esalaka mosala ya moi ezali koluka nkolo ndako, basalelaka moko ya bisaleli misato oyo mibeko epesi nzela. Moko na moko ememaka likama ekeseni mpo na titre ya ndako na yo mpe na mosolo:

Phase 2: Kobatela ndako na yo contre Lien ya Impôt ya Biloko ya PACE oyo ezali ko prédateur¶

Property Assessed Clean Energy (PACE) esalemaki mpo ete ba municipalités ekoka kopesa mosolo mpo na bobongisi ya bopesi nguya to ya bokasi ya mopepe makasi (ba panneaux solaires, ba systèmes HVAC, ba fenêtres d’impact, ba toits) oyo efutami na nzela ya liste ya mpako ya biloko. Lokola ba administrateurs privés ya PACE batyaki motema na ba entrepreneurs ya porte na porte lokola ba courtiers ya ba crédits mpe mbala mingi bazalaki kozanga kotala soki nkolo ndako azalaki na revenu ya kofuta hausse ya impôt, ba nkoto ya ba propriétaires ya ndaku ya revenu moke mpe ya mibange na Californie, Floride, mpe Missouri bakangamaki na ba liens ya impôt ya biloko ya $50,000+ oyo bakokaki kofuta te.

Ba défenses na yo 4 statutaires contre Lien ya PACE oyo ekoki kosombama te to ya lokuta¶

1. Mobeko ya Fédéral ya TILA Z "Makoki ya kofuta" (ATR) Mandat (12 CFR Eteni 1026.43):
2. Na sima ya Mobeko ya bokoli ya nkita, lisungi ya mibeko, mpe bobateli basali ya 2018 (Eteni 307) mpe Mobeko ya PACE ya kofanda ya CFPB, mibeko ya fédéral ya bosolo na kodefisa (TILA) ekabolaka ba évaluations ya PACE ya ndako lokola **ba transactions ya crédit ya ba consommateurs oyo ezali na masengi ya makasi ya fédéral ya Ability-to-Repay (ATR) **.
3. Oyo mobeko esengi: Yambo ya kosala lien ya PACE, administrateur ya PACE asengeli ko vérifier revenu ya nkolo ndako ya lelo, ba biens, ba obligations ya ba niongo ya lelo, mpe impact ya sikisiki ya dépense ya ndako ya sanza na sanza (y compris saut ya escrow ya hypothèque) na kosalelaka ba dossiers ya troisième partie ya kozala na confiance (ba déclarations ya impôts, ba W-2s, ba lettres ya prix ya Sécurité Sociale, ba stubs ya kofuta) na prouver que nkolo ndako akoki kofuta assessment sans ko défaut na hypothèque na bango.
4. Nkisi na yo: Soki motekisi ya PACE a fabrication ya revenu na yo na demande ya tablette, vérifié jamais revenu ya Sécurité Sociale to ya retraite na yo, to alongaki te kopesa ba formulaire obligatoire ya Estimation ya Loan ya TILA mpe ya Divulgation ya Closing na période ya kozela ya mikolo 3, ozali na cause fédérale ya TILA ya action mpo na rescission, ba dommages statutaires, mpe ba frais ya avocat mobimba.
5. Bobateli ya PACE oyo epesameli na mibeko ya l’Etat (Californie mpe Floride):
6. Californie (DFPI Oversight & AB 1284 / SB 242): Na Californie, bakambi ya manaka ya PACE batambwisami na Departema ya bobateli mosolo mpe bokeli ya sika (DFPI) na nzela ya mobeko ya misolo ya Californie. Na se ya Code financier ya California Eteni 22684 et seq. mpe Code ya balabala mpe banzela minene Eteni 5913, mokambi ya PACE apekisami na mibeko kondima botalisi longola se soki basali liboso botalisi ya makasi ya mosolo mpe mosolo mpe basali kobenga ya bondimi ya monoko oyo ekomamaki elongo na nkolo ndako LIBOSO nkolo ndako atia maboko na kontra, elandi na Droit ya Annuler ya mikolo 3 ya mosala oyo esengeli (mikolo 5 ya mosala mpo na mibange ya mibu 65 to koleka). Mosali ya kontra epekisami kobanda mosala nyonso ya nzoto na ndako na yo kino eleko ya bolongoli ya mikolo 3/mikolo 5 ekosila.
7. Florida (Eteni 163.08, Mibeko ya Floride, lokola ebongolamaki na SB 770): Mibeko ya Floride esengi kobenga ya bondimi oyo ekomami na makasi, ekitisaka motuya ya motango mobimba ya PACE na 20% ya motuya ya bosembo ya ndako, esengi mibeko ya koyebisa moto oyo azali na ndako, epekisi botalisi na biloko oyo ezali na mpako to kofuta ndako oyo efutami te, mpe epesaka a obligatoire 3-mikolo ya mosala droit ya ko annuler.
8. Fusse ya signature électronique mpe abuse financier ya ba nkulutu (Void Ab Initio):
9. Tala DocuSign to certificat ya audit électronique na contrat na yo ya PACE. Na makambo mingi ya lisalisi ya mibeko oyo ekomamaki na mikanda, ba entrepreneurs ya porte na porte basalaki adresse email ya lokuta (lokola john.smith.solar123@gmail.com) oyo nkolo ndako ya mobange azalaki na yango ata moke te, atindaki contrat ya PACE mpe ba divulgations ya TILA na adresse email wana ya lokuta, mpe a cliqué ba boîtes ya signature bango moko na tablette na bango.
10. Ndenge nini kolakisa yango: Senga DocuSign Certificat ya bosilisi / Nzela ya audit ya adresse IP mpe enregistrement audio ya Libenga ya Confirmation epai ya administrateur ya PACE mbala moko. Soki adresse email oyo ezali na contrat ezali ya yo te, adresse IP ezali ya tablette cellulaire ya motekisi, to mongongo oyo ezali na appel ya vérification ezali ya yo te (to ozwaki entraînement na oyo ya koloba sans comprendre que ezalaki lien ya impôt ya biloko), contrat ezali void mpo na fraude na exécution (fraud in factum) mpe ezali criminel Mibange Mibeko ya mosolo.
11. Ko bloquer foreclosure ya hypothèque oyo esalemi na spike ya Escrow ya PACE:
12. Ntango facture ya mpako ya biloko ya etuka na yo emati na $6,000 na mbula mpo na PACE, mosali na yo ya liboso ya ndako afutaka facture ya mpako ya etuka libanda ya compte na yo ya escrow mpo na kobatela lien ya banque, mpe na nsima atindeli yo Escrow Shortage Notice komatisaka mbongo na yo ya ndako ya sanza na sanza na $500 kino $1,000 na sanza (mpo ete banque esangisi ezala manque retroactive ya sanza 12 MPE projection ya impôts ya likolo ya sanza 12 oyo ekoya na tango moko).
13. Kosala mbala moko na mosali na yo ya ndako: Benga Departema ya bokiti ya bobungisi ya mosali ya ndako na yo ya yambo mbala moko mpe senga Ssanza 60 (mbula 5) ya Escrow Shortage Repayment Spread ntango ozali kotelemela lien ya PACE, to senga mbongwana ya mibeko ya kodefa (tala Liyebisi ya kokanga ndako, koyika mpiko ya ndako, mpe kokitisa bobungisi).

Phase 3: Kopesa bibundeli na Mobeko ya Mobateli ya FTC na ba Crédits Solaires prédateurs¶

Bakolo bandako mingi oyo basombaka ba panneaux solaires bakanisaka ete soki kompanyi oyo esalaka installation solaire elongwe na mosala, esundoli mosala yango liboso ya koleka na inspection ya engumba, to ekosi mpo na Crédit d’impôt fédéral, nkolo ndako akangami na kofuta crédit solaire mpo banki ezali société ekeseni. Na mibeko ya fédéral, yango ezali lokuta 100 pour cent.

Ndenge nini Mobeko ya Mobateli ya FTC (16 CFR Eteni 433) ebatelaka yo¶

Ntango nyonso oyo motɛki (mobongisi ya moi, société ya fenêtre, to entrepreneur ya HVAC) abongisi misolo mpo na yo na nzela ya modefisi oyo azali na boyokani (lokola GoodLeap, Mosaic, Sunlight Financial, Dividend, to Synchrony), Commission fédérale de commerce (FTC) Preservation of Consumers’ Claims and Defenses Rule (16 CFR Part 433), eyebani na mokili mobimba lokola Mobeko ya mobateli, esengi ete paragraphe oyo elandi ezala na makomi ya moindo makasi na contrat na yo ya kodefa:

LIYEBISI: MOTO NIONSO YA KONTRA OYO YA CRÉDIT YA CONSOMO AKOMI NA BA RECLAMATIONS MPE BA DEFENSE NIONSO OYO MOTEKI AKOKI KOSALISA CONTRE MOTEKI YA BILOKO TO BA SERVICES AZUI SUR SUR AWA TO NA MBONGO OYO OYO. KOZONGISA NA NSEKO NA NDENGE NA NDENGE EKOLEKA TE MONTANGO AFUTI NA NSEKO YA MOTO.

Yango elingi koloba nini na Lingelesi ya pɛtɛɛ? 1. Okoki ko affirmer lokuta moko moko, kobuka contrat, to violation statutaire oyo installateur solaire asali directement contre modeur solaire mpo na ko annuler solde ya crédit mpe ko récupérer ba paiements oyo esi esalemi. 2. Ata soki société solaire esali faillite mpe ebungaki, modefisi solaire akoki koloba te "Problème na biso te, mema yango na installateur." Lokola modefisi a financer crédit na nzela ya portail ya tablette ya installateur, modefisi atelemi na sapato ya installateur oyo azali kogumbama to faillite.

Ba 5 Scams Solaire oyo emonanaka mingi oyo e déclenchaka annulation ya FTC Holder Rule¶

• Escroquerie 1: Panneaux sans énergisé ("Systèmes orphelins" sans Permission d'utilité à fonctionner / PTO): Installateur a boulon ba panneaux na toit na yo, mbala moko a déclenchaka déboursement ya 100 pour cent ya crédit na modefisi solaire na kotindaka certificat ya completion ya lokuta, mpe sima alimwaka avant aleka inspection électrique municipale to azua Permission ya ko fonctionner (PTO) uta na utilité électrique na yo. Lokola olekisaki sanza 6 kino 18 mpo na kofuta ezala $250/sanza ya kodefa na moi MPE facture na yo mobimba ya kura mpo na verre ekuf na likolo ya ndako na yo, ezali na kozanga kotalela mobimba oyo epesi yo lotomo ya kopekisa kofuta mbongo ya kodefa mpe kosenga ete modefisi afuta entrepreneur oyo azali na ndingisa mpo na kosilisa kopesa système to annuler crédit mobimba.
• Escroquerie 2: Fraude ya crédit d’impôt na ba propriétaires ya ndaku oyo bazali na revenu moke to oyo bazui pansiɔ: Bateki bayebisaka mbala na mbala ba retraités oyo ba vivre na ba avantages ya Sécurité Sociale to ya handicap que gouvernement fédéral eko tindela bango na poste chèque ya stimulus ya $12,000 na avril ekoya pona Crédit d’énergie propre résidentielle ya 30%. Na bosolo, crédit d’impôt solaire fédéral (26 U.S.C. Section 25D) ezali crédit d’impôt sur le revenu oyo ekoki kozongisama te, TE chèque ya stimulus oyo ekoki kozongisama. Soki ozali na nyongo ya $0 na mpako ya revenu fédéral (mpo ete mosolo na yo ezali na Sécurité Sociale oyo ekoki kofutama mpako te to na nse ya deduction standard), ozwaka $0 na IRS, mpe na Sanza 18, lifuti na yo ya crédit solaire emati na 40% mpo ozali na mbongo ya $12,000 te mpo na kofuta mbongo ya mbongo ya kodefa. Koloba na ndenge ya mabe crédit d’impôt oyo ekoki kozongisama te lokola remise ya mbongo oyo ezali garantie ezali momesano ya mombongo ya bokosi oyo ezali na mibeko te (UDAP).
• Escroquerie 3: Undisclosed 30% Dealer Fees (Hidden Finance Charges under TILA): Mpo na kokosa yo na kokanisa ete ozali kozwa "1,99% to 3,99% APR loan," modefisi solaire afutaka installateur 25% to 35% ya origination frais, oyo installateur abakisi na kobombana na prix ya cash ya ba panneaux solaires na yo. Na nsé ya mobeko ya bosolo na kodefisa (15 U.S.C. Section 1605), mbongo nyonso oyo ebakisami na ntalo ya biloko kaka mpo ete mosombami azali kopesa mosolo na esika ya kofuta mbongo ezali Finance Charge oyo esengeli koyebisa na esika ya APR mpe Finance Charge. Kobomba mbongo ya motɛkisi ya dolare 12 000 na kati ya ntalo ya bisaleli ezali kobuka mibeko ya TILA mpe ya Leta mpo na Misala mpe Mimeseno oyo ezali sembo te mpe ya bokosi.
• Escroquerie 4: Bebisi ya toit oyo ebongisami te mpe surchargement structurel: Batekisi bandimaka ba installations solaires na ba toits ya mibu 22 oyo ezali polele ete esengeli kozongisa liboso, to ba racks ya lag-bolt semba na ba shingles sans flash, kosala ba fuites ya plafond ya kati (tala Kosundola ba entrepreneurs, menace ya lien ya ba mécaniciens, mpe kobongisa ndako oyo esilaki te).
• Escroquerie 5: Ba projections ya économie ya facture ya utilité ya lokuta: Bateki ba manipuler ba modèles ya logiciel (ko shading out ya ba nzete milayi to ko gonfler ba taux ya escalation historique ya utilité) pona kolaka facture na yo ya courant ekozala $0, alors que en réalité toit na yo etali nord na se ya ba nzete ya kilo pe e produire moins de 40 pour cent ya kilowatt-heures oyo elakamaki.

Phase 4: Kolongola Dossier ya Fixture Solaire UCC-1 oyo ebongi te na titre ya ndako na yo¶

Ntango ozali kotia maboko na crédit solaire to location solaire/PPA, société ya misolo ekotisaka UCC-1 Financing Statement (Fixture Filing) na mikanda ya mabele ya etuka na yo.

• UCC-1 ezali hypothèque TE na ndako na yo: Na mobeko (Code commerciale uniforme Section 9-334), dossier ya ba fixations ya UCC-1 epesaka kaka entreprise solaire intérêt ya sécurité na ba panneaux solaires na ba inverseurs bango moko lokola biloko ya moto/ba fixations oyo ekoki kolongolama. Ezali te kopesa bango lien ya hypothèque na immobilier na yo.
• Mpo na nini ezali kaka ko congeler vente ya ndako mpe refinances: Lokola UCC-1 ekomami na indice immobilier ya county, logiciel automatique ya titre-company e drapeau yango lokola encumbrance na titre na yo. Modefisi na yo ya refinancement to banque ya mosombi ndako ekoboya kokangama kino UCC-1 ekolongolama mpo na mwa ntango (Subordinated / Released and Re-recorded) to ekosila.
• Ndenge nini ya kolongola na makasi UCC-1 oyo ebongi te to oyo esilisami:
• Soki osengeli kaka kozongisa mosolo na hypothèque na yo ya liboso, tinda bosenga na mokanda na Departema ya Titre / Subordination ya société solaire mpo na kosenga mwa ntango moke UCC-3 Termination for Refinance / Subordination Accord.
• Soki contrat na yo elongolamaki na ndenge ya malamu, elongolamaki, to efutamaki, to soki société ya solaire ekomaki Avis ya lokuta ya Contrat ya Producteur Indépendant ya Énergie Solaire to lien ya immobilier oyo ebongi te, tinda officielle Authenticated Demand for UCC-3 Termination Statement na se ya UCC Section 9-513. Na se ya Eteni ya UCC 9-513(b), mpo na biloko ya kosomba, moto oyo azali na bobateli asengeli kosala Maloba ya bosilisi ya UCC-3 na kati ya mikolo 20 sima ya kozwa bosenga na yo oyo endimami (to na kati ya sanza 1 na ndenge ya automatique mbala moko soki mokumba ezali te). Soki basali yango te na kati ya mikolo 20, ozali na ndingisa ya mibeko na nzela ya Eteni 9-509(d)(2) ya UCC mpo na kosala Mokanda ya bosilisi ya UCC-3 yo moko epai ya mokomisi ya etuka, mpe modefisi azali na nyongo na yo $500 na mbeba ya mibeko bakisa mbeba ya solo na nzela ya Eteni 9-625(e) ya UCC.

Phase 5: Ba modèles verbatim pona ko annuler ba contrats pe ko affirmer Mobeko ya Mobateli ya FTC¶

Modèle 1: Liyebisi ya kolongolama ya malili oyo epesameli na mibeko (Tinda na kati ya Mikolo 3 kino 14 nsima ya kotia sinyatili, to Ntango nyonso Soki Liyebisi ya bolongoli elongolamaki)¶

[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]

Modèle 2: Mobeko ya Mobateli ya FTC Bosengi & Bosenga mpo na bolongoli ya kodefa (Contre Modefisi ya Solaire / Bobongisi Ndako)¶

[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]

Eteni ya 6 : Bobateli ya mokili mobimba mpo na nguya ya peto mpe ya kobongisa ndako na ndako na ndako¶

• Canada (Epekiseli ya etuka na HVAC ya porte na porte / ba escroqueries solaires & Avis ya ba réformes ya intérêt ya sécurité):
• Ontario (Mobeko ya kobatela basali, 2002 & Mobeko ya kobatela bankolo ndako, 2024): Ontario epekisaki koteka ndako na ndako kozanga kosɛngama ya bafourneaux, climatiseurs, chauffe-eau, mpe bisaleli ya kopɛtola mai na 2018; contrat nionso oyo esalemi na visite oyo esengami te ezali na ndenge ya mibeko. Na nsé ya Mobeko ya kobatela bankolo bandako, 2024 (Mobeko 200) ya Ontario, etuka epekisaki bokomisi mayebisi ya bozwi ya bokengi ya basali (NOSIs) na buku ya mabele mpe ekanisaki na sima ba NOSI nionso ya basali oyo ekomisami na buku ya mabele na mikanda ya mabele esilaki mpe esili, kopesaka nzela na bankolo bandako kobimisa yango na mikanda ya mabele ofele.
• Alberta (Mobeko ya bobateli basali & Mobeko ya bopesi ndingisa ya mombongo ya koteka direct): Epekisi koteka porte na porte oyo esengami te ya ba fours, climatiseurs, ba chauffe-eau, ba fenêtres, mpe ba audits ya énergie/biloko ya moyi, mpe epesaka lokoki ya bolongoli ya mikolo 10 ya kolongolama ya refroidissement na ba contrats ya vente directe (ebakisami kino mbula moko soki bobimisi oyo ezali na ndingisa te to oyo ezangi).
• Royaume-Uni (Mibeko ya boyokani ya basali 2013 & Eteni 75 CCA 1974):
• Droit ya refroidissement ya mikolo 14: Na se ya Mibeko ya ba contrats ya ba consommateurs 2013, contrat nionso oyo otie maboko na ndako na yo ezali na droit obligatoire ya mikolo 14 ya calendrier ya ko annuler (ebakisami kino sanza 12 mpe mikolo 14 soki ba mayebisi ya bolongoli elongolamaki).
• Eteni ya 75 Mokumba ya kokokana: Na nzela ya Eteni ya 75 ya Mobeko ya Crédit ya Consommateur 1974, soki ozali kopesa mosolo ya ba panneaux solaires, ba pompes ya chaleur, to ba vitraux mibale na nzela ya boyokani ya crédit ya esika ya koteka (to ofuti £100 ya dépôt na carte de crédit) mpo na système oyo ezali na talo ya £100 kino £30,000, société ya finance to mopesi carte azali elongo mpe na mokumba mingi na installateur mpo na bobukami ya contrat to maloba ya mabe, na escalation ya ofele na Service ya Ombudsman financier (FOS) mpe MCS / RECC.
• Australie (Mibeko ya ba consommateurs ya Australie Boyokani ya ba consommateurs oyo esengami te):
• Na Eteni 69 kino 88 ya mobeko ya Australie mpo na basali (ACL), botekisi nyonso ya ndako na ndako to na nzela ya telemarketing oyo eleki $100 ememaka eleko ya malili ya mikolo 10 ya mosala, oyo na boumeli na yango motɛki apekisami kotia bisaleli nyonso to kondima kofuta. Soki motekisi abukaki bangonga ya kobenga oyo epesami nzela, azangaki kotala "Kobeta te" sticker, to atie bisaleli na eleko ya mikolo 10 ya bopemi, lotomo na yo ya koboya epanzani kino sanza 6 na nzela ya Eteni 82 ya ACL, mpe baye bapesaka mosolo oyo bazali na boyokani bazali na mokumba elongo na nzela ya Eteni 278 ya ACL.

Mituna oyo batunaka mingi¶

Société ya location solaire to modefisi ya crédit solaire ekoki kokanga ndako na ngai soki natiki kofuta bango?¶

Etali soki otyaki sinyatili na a Botali ya PACE versus a standard Crédit Solaire to Location/PPA. Soki otyaki sinyatili na a Botali ya PACE, oui: lokola PACE ekomami lokola lien ya impôt immobilier municipal ya super-priorité, kozanga kofuta e déclenchaka délinquance ya impôt ya biloko to défaut ya escrow hypothécaire oyo ekoki kosala que ba foreclosure ya impôt-lien to bokangami ya hypothèque na ndako na yo. Contrairement, soki o signaki a standard Crédit Solaire to Location Solaire/PPA ebatelami kaka na a UCC-1 Dossier ya ba fixations, UCC-1 ezipaka kaka ba panneaux solaires yango moko. Modefisi ya solaire akoki te kokanga mbala moko ndako na yo na nzela ya dossier UCC-1, atako bakoki kozongisa ba panneaux to kofunda na tribunal civil longola se soki o affirmer ba défenses valides ya FTC Holder Rule.

Ndenge nini nakoki koteka ndako na ngai soki mosombi aboyi kozwa mokanda na ngai ya kofutela na moi ya mbula 25 to PPA?¶

Senga mosali yango Paquet ya Transfert ya Location / Assumption mpe ba Programme ya kofuta liboso / ya kosomba uta na kompanyi ya moi liboso ya kotánga ndako na yo. Soki système ezali kosala sous-performance contractuel na yango Garantie ya Production to soki motɛki asalaki bokosi na ebandeli, apesa matata na mokanda oyo ezali kosɛnga ete bálongola kɔntra to bálongola mbongo oyo basombaki. Soki loyer ezali valide mpe basombi batelemi kokanisa yango, négocier na entreprise solaire mpo na kofuta liboso flux ya location oyo etikali na taux ya valeur net présente oyo ekitisami (kotika ba paiements ya $0 sanza na sanza mpo na mosombi ya sika) na esika ya kofuta mbongo ya Bosombi ya Equipement ya Valeur Juste ya Zando oyo etombolami.

Ezali boni soki installateur solaire na ngai esali faillite mpe ba panneaux na ngai efandi na toit na ngai ekangami?¶

Kokoba te kofuta crédit solaire mpo na système oyo ekufá, oyo esalemi te kozanga ete otya modefisi na liyebisi ya mibeko. Tinda mbala moko na société ya finance solaire Mokanda Certifié oyo ezali kobenga... Mobeko ya mobateli ya FTC (16 CFR Eteni 433) . (tala Modèle 2 likolo). Senga ete modefisi apema pause ya facturation nionso ya sanza na sanza mpe accrual ya intérêt, azwa entrepreneur solaire ya remplacement oyo azali na licence na dépense ya modefisi mpo na koleka inspection municipale mpe azua Permission ya utilité ya utilité ya ko fonctionner (PTO), to a annuler crédit mobimba. En même temps, déposer réclamation contre ya installateur faillite Caution ya garantie ya licence ya entrepreneur ya l’Etat mpe ya l’état na yo Fonds de récupération ya ba entrepreneurs résidentiels.

Nakoki kosenga Crédit d’impôt ya 30% ya Fédéral ya Énergie propre ya Résidentiel soki na louer ba panneaux solaires na ngai to na signaki Accord ya kosomba énergie (PPA)?¶

Te. Na nsé ya mobeko ya mosolo ya kati ya mboka Eteni 25D (26 U.S.C. Eteni 25D), kaka mofuti mpako oyo asombaka mpe azali na yango système solaire (ezala mbala moko na mbongo to na nzela ya crédit solaire) ezali na makoki ya kosenga 30% ya Crédit d’énergie propre résidentielle na formulaire ya IRS 5695. Soki o signaki na Loyer solaire to na Accord ya kosomba énergie (PPA), société ya location solaire ezali na ba panneaux mpe ezo senga crédit d’impôt commercial mpo na yango moko. Motekisi nyonso oyo ayebisaki yo ete okoki kosɛnga crédit d’impôt ya IRS ya 30% na location solaire to PPA asali fraude ya ba consommateurs.

Ba sources e vérifié¶

• Commission fédérale ya commerce (FTC) (Etats-Unis): Mobeko ya kobatela ba réclamations mpe ba défenses ya ba consommateurs (Mobeko ya ba détenteurs ya FTC), 16 CFR Eteni 433 mpe Mobeko ya FC Cooling-Off, 16 CFR Eteni 429.
• Bureau ya bobateli misolo ya basali (CFPB) (Etats-Unis): Mobeko ya misolo ya énergie propre oyo etalelami na biloko ya kofanda (PACE) (Règlement Z ya TILA), 12 Eteni ya CFR 1026.43 mpe CFPB Issue Spotlight: Financement solaire (août 2024).
• BISO. Departema ya Trésor & Service ya Revenu Interne (IRS) (Etats-Unis): Crédit d’énergie propre ya ndako ya kofanda (26 U.S.C. Section 25D / IRS Formulaire 5695 Instructions).
• Departema ya bobateli mosolo mpe bokeli ya sika ya California (DFPI) & Mibeko ya Floride (Etats-Unis): Eteni ya mobeko ya mosolo ya California Eteni 22684 et seq. (Bakambi ya Programme ya PACE), Eteni ya Code civil ya California Eteni 1689.6, mpe Eteni ya Mibeko ya Floride Eteni 163.08.
• Ministe ya Ontario ya bopesi misala ya leta mpe ya mombongo (Canada), FCA (Royaume-Uni), & ACCC (Australie): Mobeko ya Ontario mpo na kobatela bankolo ndako, 2024 (Mobeko 200 oyo epekisi ba NOSI ya basali); Mobeko ya Royaume-Uni ya crédit ya ba consommateurs 1974 (Eteni 75); mpe Mibeko ya ba consommateurs ya Australie (Eteni 69 kino 88).

Ba guides oyo etali yango¶

• Kosundola ba entrepreneurs, menace ya lien ya ba mécaniciens, mpe kobongisa ndako oyo esilaki te
• Liyebisi ya kokanga ndako, koyika mpiko ya ndako, mpe kokitisa bobungisi
• Kozanga kofuta mpako ya biloko, koteka lien ya mpako, mpe kosikola ndako
• Conservateur ya nkulutu, kolongolama ya procuration, mpe moyibi ya fiduciaire
• Koboya ba crédits prédateurs mpe mitambo ya mokolo ya lifuti
• Mituya ya mbalakaka na kotalela mboka