PACE Property Tax Liens, Predatory Solar Leases, uye Chitsotsi Chekuvandudza Imba¶

Kuziva kuti mutengesi wepaimba neimba akasaina iwe (kana mubereki akura) kukwira ** $ 35,000 kusvika $80,000 Property Yakaongororwa Yakachena Energy (PACE) yepamusoro-yekutanga mutero wekutarisa mutero **, ** makore makumi maviri nemashanu ari kuwedzera solar lease , kana yakavanzika yakavharwa kusvika $80,000 Property Yakaongororwa Yakachena Energy (PACE) yepamusoro-yekutanga mutero wekutarisa mutero, ** makore makumi maviri nemashanu ari kuwedzera solar lease **, kana yakavanzika yakavharwa kusvika kumadhora makumi masere nemakumi masere emadhora denga riri kubvinza, inyaya yekukurumidzira yepfuma uye kuvharwa kwechimbichimbi. Kusiyana nechikwereti chemunhu nguva dzose, chikwereti che PACE chinonamira zvakananga kune yako yekanzuru yemutero wemutero semutero wepamusoro-soro wehurumende ** pamberi pechikwereti chako chekutanga, zvichiita kuti mubhadharo wako wepamwedzi wemubhadharo wemba usvetuka nemadhora mazana mana kusvika kumadhora mazana mapfumbamwe pamwedzi uye zvichikonzera mutero-kutengesa kana kuvharirwa kwemba kana isina kubhadharwa. Zvichakadaro, zvekurejesa solar leases uye Power Purchase Agreements (PPAs) rekodha ** UCC-1 Fixture Filing ** uchipesana nemarekodhi edunhu rezita rako anogona kukutadzisa kutengesa kana kubhadhara imba yako kunze kwekunge wabhadhara mubairo wakakura wekutenga. Kumisa misungo iyi kunoda kushandisa ** yako yemazuva matatu kusvika kumazuva masnu Kutonhorera-Kubvisa Right of Rescission **, uchidaidza **Fedal Trade Commission (FTC) Holder Rule (16 CFR Chikamu 433) kuti urege kubhadhara wechitatu-bato vanokweretesa solar kana kondirakiti akatadza kana kunyepa, kuongorora PACE **Kugona-ku federal-kuTrepa, Trp Repa, Tr. kumanikidzira kubviswa kwezvinyorwa zvisiri pamutemo zveUCC-1.

Ita izvi ikozvino¶

1. Chengetedza kuchengeteka kwako uye usambokwira pamusoro pedenga remba kana kubata live solar inverter wiring. Photovoltaic (PV) solar panels inogadzira magetsi ehigh-voltage direct-current (DC) chero chiedza chezuva chaarova, kunyangwe main house breaker yakadzimwa. Usambokwira pamusoro pedenga (chengetedza zvingangoita mamita matatu (mamita gumi) kubva padenga remba uye pombi yemagetsi) kana kuedza kubvisa tambo dzesolar iwe pachako. Kana bhatiri rezuva, inverter, kana magetsi emagetsi ari kuputa, kupisa, kana kunhuwa kwepurasitiki inopisa, buda mumba nekukasira uye fonera nharaunda yako. nhamba dze emergency (911 muUnited States neCanada, 112 mhiri kweEuropean Union, 999 muUnited Kingdom, 000 muAustralia).
2. Tumira Chiziviso chakanyorwa cheKanzura nekukasika kana wasaina kondirakiti mukati memazuva matatu kusvika gumi nemana adarika. Pasi peFTC Cooling-Off Rule (16 CFR Chikamu 429) uye mamiriro eKumba Kukumbira Kutengeswa Kwemitemo, une kodzero yepamutemo yekukanzura chero chibvumirano cheimba neimba kana chemumba kwemazuva***** matatu* makuru** uye chibvumirano chebhizimisi chemazuva matatu**** uye chibvumirano chebhizimisi chepamusoro***3. mumatunhu akaita seCalifornia, 10 mazuva muOntario yekudziisa mvura/HVAC kurambidza pasuo nesuo, uye mazuva gumi nemana muUnited Kingdom neEuropean Union). Kana mutengesi akakusaina pahwendefa uye **akatadza kukusiira makopi maviri anoenderana nefomu reNoice of Cancellation **, kodzero yako yekukanzura kondirakiti yese inoenderera mberi kusvika vasvitsa chiziviso ichocho.
3. Usambofa watendera mutengesi wepaimba neimba kubata smartphone yako kana piritsi kuti adzvanye mumasaini emagetsi. Predatory solar nePACE canvassers vanogara vachikumbira varidzi vedzimba (kunyanya vanhu vakuru kana vatauri veChirungu vasiri chizvarwa) kuti vape nharembozha yavo "kungotarisa kana denga rako richikodzera kudzoserwa nehurumende mahara," uye wobva wabaya nekukurumidza kuburikidza neDocuS00000 $000 PACE mutero wechikwereti kana chikwereti chemakore makumi maviri nemashanu. Kana izvi zvikaitika, farai nekukurumidza ** Electronic Forgery / Chikwereti Chisina Kubvumirwa Origination Dispute ** nemukweretesi, bhodhi rezinesi rezinesi, uye State Attorney General.
4. Bvunza FTC Holder Rule nekunyora uchipokana nekambani yemari yezuva kana mapaneru asingashande kana muisimi anyepa. Chinenge chese chechikwereti chesolar uye kondirakiti yekugadziridza imba yekutengesa ine inosungirwa FTC Holder Rule Notice (16 CFR Chikamu 433). Ichi chikamu chemubatanidzwa chinoita kuti bhangi kana kambani yemari yezuva (yakadai seGoodLeap, Mosaic, Sunlight Financial, Dividend, kana Service Finance) ** zviri pamutemo zvichemo zvese uye dziviriro yauinayo painosimira solar **, kusanganisira hutsotsi, kuvanza makumi matatu muzana muripo wemutengesi, basa risingatenderwe, kana kutadza kuwana utility Mvumo yeKushanda (PTO).
5. Ongorora bhiri rako remutero wenzvimbo yedunhu uye chirevo chemortgage escrow kana uine chikwereti chePACE. Kana ongororo yePACE (inotungamirwa nevanozvimiririra vePACE maneja vakaita seRenew Financial, Ygrene, Home Run Financing/PACE Funding, kana FortiFi) yakonzera kuti mubhadharo wako wepamwedzi uwedzere kaviri, taura nemushandi wako wemba (ona Foreclosure chiziviso, mortgage kutsungirira, uye kurasikirwa kuderedza) uye nyorera kudunhu rako kana dunhu ** PACE Kuomerwa / Foreclosure Prevention Fund ** kana faira TILA Kugona-ku-Kudzorera zvichemo zvekutonga.
6. Nyoresa Chikwereti cheChikwereti cheBond reKukwereta uye Chikwereti cheHomwe yeHurumende kana chinosikira solar chakabhuroka. Madhizini evanoisa mudzimba dzezuva vakamhan'arira kubhuroka mushure mekutora mari yechikwereti uye kusiya mapaneru asina kugadzirwa pamatenga edzimba. Usamirira dare rekubhuroka; tora zvakananga uchipokana neanoisa ** State Contractor Surety Bond **, yako ** State Residential Contractor Recovery Fund **, uye kambani yezvemari pasi peFTC Holder Rule.

flowchart TD
    A["Ziva Predatory Solar Contract, PACE Mutero Lien, kana Imba Yekuvandudza Scam"] --> B{"Basa racho raitsigirwa sei nemari?"}
    B -->|"Yakasaina mukati meMazuva Ekupedzisira 3-14 (kana Handina Kumbopihwa Kanzura Fomu)"| C["Mail & Email Statutory Cooling-Off Notice of Rescission Nhasi; Rambidza Chero Kuiswa Kwedenga"]
    B -->|"PACE Property Tax Assessment Lien"| D["Ongorora yeForged DocuSign, Kushaikwa Kwekugona-ku-Kudzorera (ATR) Verification, kana Vakuru Kushungurudzwa Kwemari."]
    D --> E["Faira CFPB / State Regulator Chichemo (semuenzaniso, CA DFPI), Demand PACE Administrator Fee Waiver / Rescission, & Dzivirira Mortgage Escrow"]
    B -->|"Yechitatu-Bato Solar Chikwereti (Mugadziri Anyepa, Akabhuroka, kana Hapana Utility PTO)"| F["Shandira Yakanyorwa FTC Holder Rule Notice (16 CFR Chikamu 433) pane Solar Mukweretesi Unoda Kudzima Chikwereti & Kudzoserwa"]
    B -->|"25-Yegore Solar Lease kana Power Purchase Agreement (PPA)"| G["Demand Production Guarantee Audit, Dipute Deceptive Utility-Savings Claims, uye Dambudziko Zvisina Kufanira Deed Liens vs UCC-1"]

Phase 1: Kunzwisisa matatu anopamba akachena-simba mari zvivakwa¶

Kana kuvandudzwa kwemba kana kambani yezuva inonangana nemuridzi wemba, vanoshandisa imwe yezvitatu zvemutemo zviridzwa. Imwe neimwe inotakura kutyisidzira kwakasiyana kune zita rako remba uye mari:

Chikamu chechipiri: Kudzivirira imba yako kubva kune inopamba PACE Property Tax Lien¶

Property Assessed Clean Energy (PACE) yakagadzirwa kuitira kuti makanzuru akwanise kupa mari yekushandisa-simba-simba kana mhepo-inoomesa kusimudzira (solar panel, HVAC masisitimu, mahwindo ekuchinja, matenga) inobhadharwa kuburikidza nemutero wezvivakwa. Nekuda kwekuti vamiriri vePACE vakazvimirira vaivimba nemakondirakiti epaimba neimba sevakwereti uye kazhinji vaitadza kutarisa kuti muridzi wemba aive nemari yekubhadhara mutero here, zviuru zvevane mari yakaderera uye varidzi vedzimba vakwegura mu California, Florida, neMissouri vakaremerwa nemadhora zviuru makumi mashanu+ zvemutero wezvivakwa zvavaisakwanisa kubhadhara.

Yako 4 pamutemo dziviriro kurwisa isingadhure kana hunyengeri PACE Lien¶

1. Federal TILA Regulation Z "Kugona-Kudzorera" (ATR) Mandate (12 CFR Chikamu 1026.43):
2. Zvichitevera Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018 (Chikamu 307) uye CFPB's Residential PACE Rule, federal Truth in Lending Act (TILA) mitemo inoisa ongororo dzepekugara se *mabatirwo echikwereti chemutengi zvichienderana ne-Kugona Kubhadhara kwemubatanidzwa.
3. Zvinodiwa nemutemo: Asati atanga chibvumirano chePACE, maneja wePACE anofanirwa kuona mari yemuridzi wemba pari zvino, midziyo, zvisungo zvechikwereti zvazvino, uye mabatirwo emari yemba yemwedzi wega wega (kusanganisira kusvetuka kwembavha) achishandisa marekodhi ebato rechitatu (tax returns, W-2s, mubairo weSocial Security anogona kubhadhara mubairo weSocial Security). pasina kukanganisa pamari yavo yehomwe.
4. Mushonga wako: Kana mutengesi wePACE akagadzira mari yaunowana pahwendefa rekushandisa, asina kumbobvira asimbisa yako Social Security kana mari yepenjeni, kana kutadza kuendesa inosungirwa TILA Chikwereti Estimate uye Kuvhara Kuzivisa mafomu nenguva yekumirira kwemazuva matatu, une chemubatanidzwa TILA chikonzero chekuita ** kubvisirwa, kukuvadzwa kwemutemo, uye muripo wakazara* wegweta.
5. ** State Statutory PACE Dziviriro (California neFlorida):**
6. California (DFPI Oversight & AB 1284 / SB 242): MuCalifornia, vatariri vezvirongwa zvePACE vanodzorwa ne Department of Financial Protection and Innovation (DFPI) pasi peCalifornia Financing Law. Pasi pe California Financial Code Section 22684 et seq. uye Migwagwa neMigwagwa Mikuru Code Chikamu 5913, maneja wePACE anorambidzwa zviri pamutemo kubvumidza ongororo kunze kwekunge vatanga vaita ongororo yakasimba yekuwana mari-uye-mari uye kuita yakarekodhwa nemuromo yekufona kufona nemuridzi wemba asati asayina. 3-bhizinesi-zuva Kodzero yekukanzura (5 bhizinesi mazuva evakuru vane makore makumi matanhatu nemashanu kana kupfuura). Kondirakiti inorambidzwa kutanga chero basa rekuita pamba pako kusvika 3-day/5-day yekudzima nguva yapera.
7. ** Florida (Chikamu 163.08, Florida Statutes, seyakagadziridzwa neSB 770):** Mutemo weFlorida unoda marekodhi akarekodhwa nharembozha, inokwana ongororo yePACE pa20 muzana yeukoshi hwenzvimbo, inoda zviziviso zvevaridzi vemba, inorambidza kuongororwa pazvivakwa zvine hugororo, mutero uye mutero wezuva-3 kodzero yekubhadhara mutero. kukanzura**.
8. ** Yemagetsi Siginecha Forgery uye Vakuru Kushungurudzwa Kwemari (Void Ab Initio):**
9. Ongorora iyo DocuSign kana chitupa chemagetsi chekuongorora pachibvumirano chako chePACE. Mune akawanda akanyorwa nyaya dzerubatsiro rwemutemo, makondirakiti epaimba neimba akagadzira ** email kero yenhema ** (senge john.smith.solar123@gmail.com) yaasina kumbobvira ave nayo muridzi wemba, akatumira kondirakiti yePACE uye kuburitswa kweTILA kukero yeemail yenhema, ndokudzvanya mabhokisi esiginecha pahwendefa ravo.
10. Maitiro ekuratidza izvi: Danai DocuSign Chitupa Chekupedzisa / IP Kero Odhita Trail uye kurekodhwa kweRumbidzo Yekufona kubva kumutariri wePACE nekukasira. Kana iyo email kero pachibvumirano isiri yako, iyo IP kero ndeyemutengesi's cellular tablet, kana izwi riri parunhare rwekusimbisa harisi rako (kana iwe wakadzidziswa pane zvekutaura usinganzwisisi kuti yaive mutero wepfuma), kondirakiti iri ** isina hutsotsi mukuurayiwa (fraud in factum)** uye anoita tsotsi Elder Financial Abuse.
11. Kuvharisa Kufanorongerwa Kwemondi Kunokonzerwa nePACE Escrow Spike:
12. Kana mutero wako wemutero wedunhu uchikwira ne $6,000 pagore nekuda kwePACE, wako wekutanga-mortgage servicer anobhadhara mutero wedunhu kubva muakaundi yako ye escrow kuchengetedza bhangi, uye anokutumira **Escrow Shortage Chiziviso ** ichiwedzera yako yemwedzi yekubhadhara imba nemadhora mazana mashanu kusvika kumadhora chiuru pamwedzi (nekuti bhangi rinotora 1,000 pamwedzi (nekuti bhengi rinotevera Mwedzi 12 'yepamusoro mutero fungidziro panguva imwe chete).
13. Chiito chekukurumidza nemunhu wako wemumba: Fonera yako yekutanga-mortgage servicer's Loss Mitigation department nekukurumidza uye wokumbira **60-mwedzi (5-makore) Escrow Kuperevedza Repayment Kupararira ** iwe uchikwikwidza chibvumirano chePACE, kana kunyorera kugadziridzwa kwechikwereti (ona Foreclosure chiziviso, mortgage kutsungirira, uye kurasikirwa kuderedza)

Chikamu chechitatu: Kushandisa iyo FTC Holder Rule kurwisa anopamba Solar Zvikwereti¶

Vazhinji varidzi vedzimba vanotenga solar panels vanofunga kuti kana kambani yekuisa solar ikabuda mubhizinesi, yosiya basa isati yapfuura pakuongorora guta, kana kunyepa nezveFederal Tax Credit, muridzi wemba anoramba achibhadhara chikwereti chezuva nekuti bhangi ikambani yakaparadzana. Pasi pemutemo wemubatanidzwa, inhema zana kubva muzana.

Iyo FTC Holder Rule (16 CFR Chikamu 433) inokudzivirira sei¶

Pese kana mutengesi (solar installer, hwindo kambani, kana HVAC kondirakiti) akakurongera mari kuburikidza nemukweretesi wakabatana (akadai seGoodLeap, Mosaic, Sunlight Financial, Dividend, kana Synchrony), iyo *Federal Trade Commission (FTC) Preservation of Consumers' Claims and Defenses Rule (16 CFR inozivikanwa seUvers) iyo inotevera boldface ndima inofanira kudhindwa muchibvumirano chako chechikwereti:

** CHIZIVISO: Chero Ani zvake ane KOndirakiti IYI YECREDIT YEMUTENDI INOPIWA NEZVINHU ZVOSE UYE KUDZIVIRIRA ZVINOGWATWA NEMUTENGI WEZVINHU KANA KUSHANDISA ZVINOITWA PANO KANA NEZVINHU ZVINO. KUDZORERWA PANO NEMUNE chikwereti HACHIPIRI PASI MAZHINJI ANOBHADHIRWA NOMUBANGA PASI.**

Izvi zvinorevei muChirungu chisina kujeka? 1. Unogona kutaura manyepo ega ega, kutyora kondirakiti, kana kutyorwa kwemutemo kunoitwa neanoisa solar zvakananga kune mukweretesi wesolar kudzima chikwereti chechikwereti uye kudzoreredza mubhadharo wakatoitwa. 2. Kunyange kana kambani yesolar ikabhuroka ikanyangarika, mukweretesi we solar haakwanisi kuti "Harisi dambudziko redu, ritore nemuisikisi." Nokuti mukweretesi akapa mari yechikwereti ichi kuburikidza netablet portal yemuisiki, mukweretesi anomira neshangu dzemuisi akamonyoroka kana kuti asina mari.

Iwo mashanu anonyanyozivikanwa Solar Scams ayo anokonzeresa FTC Holder Rule kudzima¶

• ** Scam 1: Unergized Panels ("Nherera Systems" isina Utility Mvumo yeKushanda / PTO):** Iyo yekuisa mabhaudhi mapaneru padenga rako, inokonzeresa 100 muzana yekubhadhara chikwereti kubva kumukweretesi wezuva nekuendesa chitupa chekupedzwa kwenhema, uye yobva yanyangarika isati yapfuura yekuongorora magetsi ekanzuru kuenda kuOpera yako. Nekuti wapedza mwedzi mitanhatu kusvika gumi nemisere uchibhadhara mari yese $250/mwedzi solar bhiri UYE bhiri rako rakazara remagetsi regirazi rakafa padenga rako, pane kutadza zvachose kufunga ** kukupa mvumo yekumisa kubhadhara kwechikwereti uye kuda kuti mukweretesi abhadhare kondirakiti ane rezenisi kuti apedze kutumira sisitimu kana kukanzura chikwereti zvizere.
• Scam 2: Chikwereti Chekubiridzira Mutero paVaridzi Vedzimba Dzakaderera kana Vakarega Basa: Vatengesi vanogara vachiudza vanoenda pamudyandigere vanogara neSocial Security kana mabhenefiti akaremara kuti hurumende yemubatanidzwa ichavatumira cheki yekukurudzira yemadhora gumi nemaviri muna Kubvumbi anouya kune makumi matatu muzana Residence Yakachena Energy Credit. Muchokwadi, iyo federal solar tax tax (26 U.S.C. Chikamu 25D) i** isingadzoserwe yemutero wechikwereti**, HAKUSI cheki inodzoserwa yekukurudzira. Kana iwe uine chikwereti chemadhora 0 pamutero wemubatanidzwa (nekuti mari yako haibhadharwe Social Security kana pazasi peyakaderedzwa), ** iwe unogamuchira madhora 0 kubva kuIRS **, uye neMwedzi 18, yako yekubhadhara chikwereti chezuva inokwira nezvikamu makumi mana kubva muzana nekuti hauna madhora gumi nemaviri ekubhadhara pasi mukuru wechikwereti. Kuratidzira zvisirizvo chikwereti chemutero chisingadzoserwe sechivimbiso chemubhadharo wemari inzira yekutengeserana isiri pamutemo (UDAP).
• Scam 3: Isingazivikanwe 30% Mari Yemutengesi (Yakavanzika Mari Inochajwa pasi peTILA): Kukunyengerera kuti ufunge kuti uri kuwana "1.99% kana 3.99% APR chikwereti," mukweretesi we solar anobhadharisa mugadziri mari yekubva 25% kusvika 35%, iyo anoisa anowedzera pachivande pamutengo wemari yesolar. Pasi peChokwadi muKukweretesa Act (15 U.S.C. Chikamu 1605), chero muripo unowedzerwa pamutengo wezvinhu chete nekuti mutengi ari kupa mari kwete kubhadhara mari iFinance Charge iyo inofanirwa kuburitswa mubhokisi reAPR neMari Charge. Kuvanza mubhadharo wemutengesi wemadhora zviuru gumi nezviviri mukati memutengo wemidziyo unotyora TILA uye nyika Zvisakarurama uye Zvinonyengera Zviito uye Mitemo yeMitemo.
• Scam 4: Kusagadzirisika Kukuvadzwa Kwepadenga uye Kuwedzeredza Kwemaumbirwo: Vatengesi vanotendera kuiswa kwesolar pamatenga ane makore makumi maviri nemaviri ekuzvarwa ayo anoda zvekutsiviwa kutanga, kana marekeni akarembera akananga nepamashingles asingabatiki, zvichiita kuti sirin'i ibude (ona Kusiiwa kwemukontrakta, makanika kutyisidzira, uye kugadzirisa imba isina kupera)
• ** Chitsotsi 5: Mafungiro Akashata Anoshandiswa Nemari Yekuchengetedza:** Vatengesi vanonyengerera modhi yesoftware (kubvisa miti mirefu kana kukwidza mitengo yakareruka) kuti uvimbise bhiri rako remagetsi richaita madhora 0, apo denga rako rakatarisana kuchamhembe pasi pemiti inorema uye rinogadzira isingasviki makumi mana muzana yeawa yakavimbiswa kilowatt.

Chikamu chechina: Kuchenesa isina kufanira Solar UCC-1 Fixture Fixture kubva kumba kwako zita¶

Paunosaina chikwereti che solar kana solar lease/PPA, kambani yezvemari inoisa ** UCC-1 Financing Statement (Fixture Filing)** mumarekodhi edunhu redunhu.

• ** A UCC-1 HAISI imba yemba yako: ** Nemutemo (Uniform Commercial Code Chikamu 9-334), iyo UCC-1 yekuisa faira inongopa iyo kambani yezuva kuchengetedza kufarira mu ** solar panel uye inverters pachavo ** sezvivakwa zvemunhu zvinobviswa / zvigadziriso. Izvo hazviiti ** kwete ** kuvapa remba remba pane yako real estate.
• Nei ichiri kumisa kutengesa kwemba uye kudzoreredzwa: Nekuti iyo UCC-1 yakanyorwa mu County real estate index, otomatiki zita-kambani software inoimisa seyakavharira zita rako. Wako anokweretesa refinance kana bhangi remutengi wemba acharamba kuvhara kudzamara UCC-1 yasimudzwa kwenguva pfupi (** Yakaiswa / Yakaburitswa uye Yakarekodhwazve **) kana kubviswa.
• Maitiro ekumanikidza kubviswa kweiyo isina kufanira kana kugumiswa UCC-1:
• Kana iwe uchingoda kudzosera mari yako yekutanga mortgage, tumira chikumbiro chakanyorwa kukambani yesolar ** Title / Subordination department ** uchikumbira kwenguva pfupi ** UCC-3 Kumiswa kweRefinance / Subordination Agreement **.
• Kana kondirakiti yako yakadzimwa, yakabviswa, kana kubhadharwa, kana kana kambani yezuva yakanyora ** Chiziviso chenhema cheYakazvimirira Solar Energy Producer Kondirakiti kana isina kukodzera real-estate lien , tumira zviri pamutemo ** Chikumbiro Chechokwadi cheUCC-3 Kugumisa Chirevo pasi pe ** UCC Chikamu 9-513**. Pasi peUCC Chikamu 9-513(b), pazvinhu zvevatengi, bato rakachengetedzwa rinofanira kuisa ** UCC-3 Termination Statement** mukati memazuva makumi maviri mushure mekugamuchira chinodikanwa chako chechokwadi (kana mukati memwedzi mumwe chete kana pasina chinosungirwa chiripo). Kana vakatadza kuzviita mukati memazuva makumi maviri, wakatenderwa zviri pamutemo pasi peUCC Chikamu 9-509(d)(2) kuisa iyo UCC-3 Kumisa Chirevo iwe pachako ** nerekodha yedunhu, uye mukweretesi ane chikwereti chako ** $500 mukukuvadza kwemutemo pamwe nekukuvadza chaiko pasi peUCC Chikamu 9-625(e).

Chikamu chechishanu: Verbatim templates yekukanzura zvibvumirano uye kusimbisa iyo FTC Holder Rule¶

Template 1: Statutory Cooling-Off Notice of Cancellation (Tumira mukati memazuva matatu kusvika gumi nemana ekusaina, kana chero nguva kana chiziviso chekudzima chikasiiwa)¶

[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]

Template 2: FTC Holder Rule Claim & Demat for Loan Cancellation (Kupikisa Solar / Imba Yekuvandudza Mukweretesi)¶

[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]

Chikamu chechitanhatu: Simba repasi rose rakachena uye kuchengetedzwa kweimba neimba¶

• Canada (Kurambidzwa kwePurovhinzi paDoor-to-Door HVAC / Solar Scams & Notice of Security Interest Reforms):
• ** Ontario (* Consumer Protection Act, 2002* & Homeowner Protection Act, 2024):** Ontario yakarambidza kutengesa kusina kukumbirwa pasuo nesuo kwemavira, maair conditioner, hita dzemvura, uye michina yekuchenesa mvura muna 2018; chero kondirakiti yakasainwa kubva kushanyo isina kukumbirwa ** haina pamutemo . Pasi peOntario's Homeowner Protection Act, 2024 (Bill 200), dunhu ** rakarambidza kunyoreswa kweConsumer Notices of Security Interest (NOSIs) pane registry yevhu uye ** neretroactively vakarangarira ese aripo akanyoreswa evatengi maNOSI pamazita epasi apera uye asina **, zvichibvumira kubvisirwa mahara kubva kuvaridzi vedzimba.
• Alberta ( Consumer Protection Act & Direct Selling Business Licensing Regulation):** Inorambidza kutengesa kusina kukumbirwa pasuo nesuo kwemachoto, maair conditioner, maheater emvura, mahwindo, uye **kuongororwa kwesimba / zvigadzirwa zvezuva *, uye inopa ** gumi-mazuva ekutonhodza-kudzima kudzima ** gore rinowedzera kudzima chibvumirano kana chibvumirano chisipo kana chibvumirano chisipo. zvinoburitswa).
• United Kingdom (Consumer Contracts Regulations 2013 & Section 75 CCA 1974):
• 14-Day Cooling-Off Right: Pasi pe Consumer Contracts Regulations 2013, chero kondirakiti yakasainwa mumba mako ine mvumo 14-yemazuva-karenda yemazuva ekukanzura (yakawedzerwa kusvika mwedzi gumi nemiviri nemazuva gumi nemana kana zviziviso zvekudzima zvikasiiwa).
• ** Chikamu 75 Chikwereti Chakaenzana:** Pasi pe ** Chikamu 75 cheConsumer Credit Act 1974**, kana iwe uchipa mari solar panel, pombi dzekupisa, kana kupenya kaviri kuburikidza nechibvumirano chekutengesa kiredhiti (kana kubhadhara £ 100 yedhipoziti nekadhi rechikwereti) kune system inodhura ** £ 100 kusvika £ 30,000 kusvika £ 30,000 kadhi kana akati wandei* inosungirwa** nemugadziri wekutyora chero kwechibvumirano kana kumiririra zvisirizvo, nekukwira kwemahara ku Financial Ombudsman Service (FOS) uye MCS / RECC.
• Australia (Zvibvumirano zveMutengi Zvisina Kukumbirwa Mutengi weAustralia):
• Pasi pe Section 69 kusvika 88 yeAustralian Consumer Law (ACL), chero paimba neimba kana kutengesa parunhare inopfuura $100 inotakura 10-bhizinesi-mazuva ekutonhorera-nguva, panguva iyo mutengesi akarambidzwa kuisa chero mudziyo kana kugamuchira mubhadharo. Kana mutengesi akatyora maawa anobvumidzwa ekufona, akafuratira **"Usagogodza" sticker , kana midziyo yakaiswa mukati memazuva gumi ekutonhodza-nguva, kodzero yako yekukanzura inoenda ku 6 months pasi peChikamu 82 cheACL, uye vanopa zvikwereti vanobatanidzwa vanosungirwa pamwe chete pasi pe ** Chikamu 278 che ACL.

Mibvunzo inowanzo bvunzwa¶

Ko kambani yekurenda solar kana solar loan mukweretesi inogona kufanorova pamba pangu kana ndikarega kuvabhadhara?¶

Zvinoenderana nekuti wakasaina a PACE Ongororo maringe ne yakajairika Solar Chikwereti kana Lease/PPA. Kana wakasaina a PACE Ongororo, hongu: nokuti PACE inorekodhwa semutero wepamusoro-soro wemutero wemutero wenzvimbo, kusabhadhara kunokonzeresa kutadza kwemutero weimba kana kuti mortgage escrow default izvo zvinogona kukonzeresa kuvharirwa kwemutero kana kubvisirwa imba yako. Ukuwo, kana wakasaina a yakajairika Solar Chikwereti kana Solar Lease/PPA yakachengetedzwa chete na UCC-1 Fixture Fixture, iyo UCC-1 inovhara chete masolar panel pachawo. Mukweretesi wesolar haakwanise kufanoona imba yako zvakananga kuburikidza neUCC-1 faira, kunyangwe ivo vachigona kutora mapaneru kana kumhan'arira kudare redzimhosva kunze kwekunge wataura zvinodzivirira zveFTC Holder Rule.

Ndinotengesa sei imba yangu kana mutengi akaramba kutora yangu yemakore makumi maviri nemashanu yekurenda solar kana PPA?¶

Kumbira mukuru Lease Transfer / Assumption Packet uye Prepayment / Buyout Schedule kubva kukambani yezuva usati wanyora imba yako. Kana iyo sisitimu iri kuita underperform yayo contract Kugadzira Guarantee kana kuti kana mutengesi akaita chitsotsi pamavambo, shandisa gakava rakanyorwa richida kukanzurwa kwekondirakiti kana kuti kuderedzwa kwekutenga kutenga. Kana iyo yekurenda iriko uye vatengi vachiramba kuitora, taurirana nekambani yesolar kuti mubhadhare mari yerenti yasara pamutengo wakaderedzwa weti-ikozvino-kukosha (kuchisiya $0 yekubhadhara pamwedzi yemutengi mutsva) pane kubhadhara iyo yakakwira Fair Market Value Equipment Buyout muripo.

Ko kana solar installer yangu ikabhuroka uye mapaneru angu akagara padenga rangu akadzimwa?¶

Usarambe uchibhadhara chikwereti chezuva kune akafa, asina kutumwa system pasina kuisa mukweretesi pachiziviso chepamutemo. Chimbidza tumira iyo solar finance kambani Tsamba Yakasimbiswa inodaidza iyo FTC Holder Rule (16 CFR Chikamu 433) (onai Muenzaniso 2 pamusoro). Iraira kuti mukweretesi ambomira kubhadharisa kwepamwedzi uye chimbadzo chakawedzerwa, hinda ane rezinesi anotsiva solar kontrakta nemari yemukweretesi kuti aite ongororo yekanzuru uye kuwana Utility Permission to Operate (PTO), kana kukanzura chikwereti chose. Panguva imwe chete, isa chikumbiro uchipokana neakabhuroka installer State Contractor License Surety Bond uye nyika yako Residential Contractor Recovery Fund.

Ndinogona here kutora iyo 30% Federal Residential Yakachena Energy Tax Chikwereti kana ndikarenda ma solar panels angu kana kusaina Chibvumirano Chekutenga Masimba (PPA)?¶

No. Under Internal Revenue Code Section 25D (26 U.S.C. Section 25D), chete muteresi anenge kutenga uye varidzi solar system (zvichida zvachose nemari kana kuburikidza nechikwereti chezuva) inokodzera kutora 30% Residential Clean Energy Credit paIRS Form 5695. Kana iwe wakasaina Solar Lease kana Power Purchase Agreement (PPA), iyo solar leasing corporation ndiyo ine mapaneru uye inoda chikwereti chekutengesa mutero wega. Chero mutengesi akakuudza kuti unogona kutora 30% IRS yemutero chikwereti pane solar lease kana PPA yakaita hutsotsi hwevatengi.

Kwatariswa¶

• Federal Trade Commission (FTC) (United States): Kuchengetedza Zvikumbiro zveVatengi uye Dziviriro Rule (FTC Holder Rule), 16 CFR Chikamu 433 uye FTC Cooling-Off Rule, 16 CFR Chikamu 429.
• Consumer Financial Protection Bureau (CFPB) (United States): Residential Property Assessed Clean Energy (PACE) Financing Rule (TILA Regulation Z), 12 CFR Chikamu 1026.43 uye CFPB Issue Spotlight: Solar Financing (Nyamavhuvhu 2024).
• U.S. Department of Treasury & Internal Revenue Service (IRS) (United States): Residential Clean Energy Credit (26 U.S.C. Chikamu 25D / IRS Form 5695 Mirayiridzo).
• California Department of Financial Protection and Innovation (DFPI) & Florida Statutes (United States): California Financial Code Section 22684 et seq. (PACE Program Administrators), California Civil Code Section 1689.6, uye Florida Statutes Chikamu 163.08.
• ** Ontario Ministry of Public and Business Service Delivery (Canada), FCA (United Kingdom), & ACCC (Australia):** Ontario Homeowner Protection Act, 2024 (Bill 200 inorambidza Consumer NOSIs); UK Consumer Credit Act 1974 (Chikamu 75); uye Mutemo weVatengi weAustralia (Zvikamu 69 kusvika ku88).

Mazano anoenderana¶

• Kusiiwa kwemukontrakta, makanika kutyisidzira, uye kugadzirisa imba isina kupera
• Foreclosure chiziviso, mortgage kutsungirira, uye kurasikirwa kuderedza
• Mhosva yemutero wemidziyo, kutengeswa kwemutero, uye kuregererwa kwemba
• Elder conservatorship, simba regweta kubviswa, uye fiduciary kuba
• Kunzvenga zvikwereti zvechisimba uye misungo yekubhadhara
• Nhamba dzenjodzi nenyika