PACE Liens ci juuti gi ci moomeel, luwaasu jant buy yàq, ak njuuj njaaj ci defar kër¶

Gis ni jaaykat buntu-ci-buntu siñe nala (wala ab waajur bu mag) ngir $35,000 ba $80,000 Moomeel buñ xayma ci Energie bu Sell (PACE) lien bu gëna am solo ci juuti, ab 25-at buy yokk luwaasu jant bu amul fenn, wala ab pano soleer yi nekkul ci reso utilite bi wala kaw gi dafay senn, muy lu jamp ci moomel-titre ak foreclosure urgence. Leble PACE wuute na ak leble bopp, leble PACE dafay boole ci sa faktiiru juuti ci moomeel munisipaal ni lien juuti bu nguur gi gëna am solo balaa sa hypotheque bu njëkk, moo waral sa payoor escrow hypotheque weer wu nekk di tëb ci $ 400 ba $ 900 weer wu nekk ak triggering tax-ecpaid sudee hypotheque unecpaid wala. Ci jamano jooju, luwaasu jant buy yàq ak déggoob jënd kuuraŋ (PPAs) dañuy bind UCC-1 Fixture Filing ci sa dokimaa titre réew mi mën la tere jaay wala refinancing sa kër fileek doo fay ndàmpaay bu rëy. Soo bëggee taxawal fiir yooyu fàww nga jëfandikoo sa yelleefu seddal 3 fan ba 5 fan, nga woote ci sàrtu boroom komisioŋ federoo bu jënd ak jaay (FTC) (16 CFR pàcc 433) ngir bàyyi feyeeku ñeneen ñi lebal xaalis sudee ab kontraktër deful dara wala fen njuumte ci wàllu TILA federal Z, ak forse dindi UCC-1 titre filings budul yoon.

Defal lii leegi¶

1. Moytul sa kaaraange yaram te bul musa yéeg ci kaw kër gi wala nga laal kable inverter solaire yiy dundu. Pano solaire photovoltaik (PV) yi dañuy defar kuuraŋ bu am voltage bu kawe (DC) saa yu leeralu jant bi dalee ci ñoom, doonte dañu fay interruptëru kër gi. Bul musa yéeg ci kaw kër (demal 3 meetar (10 pied) ci wetu kaw kër gi ak kanal kuuraŋ bi) wala nga jéema dindi kable solaire yi ci sa bopp. Sudee batëri jant bi, onduleur bi, wala pano kuuraŋ bi dafay tóx, di tàkk, wala di xeeñ plastik buy tàkk, génnel kër gi ci saasi nga woo sa waa kër nimero paj mu jamp (911 ci Etats Unis ak Canada, 112 ci biir Union Européenne, 999 ci Royaume-Uni, 000 ci Australie).
2. Yonne ab bataaxal ngir fomm kontraa bi ci saasi sudee siñe nga kontraa bi ci diiru 3 ba 14 fan yu mujj yii. Ci wàllu FTC Cooling-Off Rule (16 CFR Part 429) ak sàrti njaayum kër, am nga sañ-sañu fomm bépp njaay ci biir kër wala kër (ak 5 fan liggéey ngir mag ñi am 65+ ci etaa yu melni Californie, 10 fan ci Ontario ngir tere tàngoor ndox/HVAC buntu-ci-buntu, ak 14 fan ci Royaume-Uni ak Union Européenne). Sudee jaaykat bi daf la siñe ci tablet ba noppi bañ la bàyyi ñaari kopi yu mat sëkk ci këyitu yëgle buy fomm, sa yelleef ngir fomm kontraa bi yépp dafay wéy ba ñu joxe yëgle boobu nimu waree.
3. Bul musa may jaaykat bu nekk buntu-ci-buntu mu tëye sa telefon wala tablet ngir klike ci siif elektronik. Kampaañ jant yu ñaaw yi ak PACE dañuy faral di sàkku ci boroom kër yi (espesialeman mag ñi wala ñi mënul làkk Àngle) ñu jox seen telefon "ngir xool ndax sa kaw dafay yelloo wala wooteb saytu otomatik ngir am $50,000 PACE tax lien wala 25 at leble. Su loolu amee, delloosi ci saasi Falge elektronik / Juuyoo ci jubluwaayu leble buñu nanguwul ci ki lay lebal, ci komite biy jox lisence réew mi, ak ci procureur général bu réew mi.
4. Wootal sàrtu boroom FTC ci bind buy xeex sosiete bi yor xaalis jant bi sudee pano yi doxul wala instalatër bi fen. Daanaka bépp kontraa biy leble jant bi ak defar kër dafay àndaale ak Yegleb sàrtu boroom FTC (16 CFR pàrti 433). Bii klawusu federal dafay tax bànk bi wala sosiete bi yor xaalis jant bi (lu melni GoodLeap, Mosaic, Sunlight Financial, Dividend, wala Service Finance) **ñu mëna ànd ak lépp luñu la sàkku ci instalatëru jant bi, lu ci melni njuuj njaaj, 30 pursaa ci njëgu jaaykat bi, liggéey buñu nanguwul, wala ñàkka mëna jëfandikoo).
5. **Xool sa faktiiru juuti gi ci dëkk bi ak sa deklarasioŋ escrow hypotek sudee am nga PACE bor. ** Sudee jàngat PACE (bi administratëri PACE yi def lu melni Renew Financial, Ygrene, Home Run Financing/PACE Funding, wala FortiFi) moo waral sa payoor weer wu nekk, jokkool ak sa bori kër ngir def Yegleb foreclosure, muñ hypotek, ak wàññi perte) nga dugal sa këyit ci sa dëkk wala sa etaa Fond ngir moytu jafe-jafe PACE/Forclosure wala nga def plainte ci TILA ngir mëna fay.
6. Delloo ab këyit ngir am lijjaassa bu lay may nga am lijjaassa bu lay may nga am lijjaassa bu lay may nga am xaalis sudee instalatëru jant bi dafa fayu. Fukki-fukki instalatëri solaire yu dëkkuwaay yi def nañu fayu ginaaw bi ñu leblee xaalis ba noppi bàyyi ay pano ci kaw kër yi te amul kuuraŋ. Bul xaar àttekaay biy àtte fayit gi; laaj directement ci instalateur bi Garantie Contracteur de l'État, sa Fonds de Recuperation du Contracteur Résidentiel de l'État, ak sosiete bi yor xaalis ci sàrti FTC Holder.

flowchart TD
    A["Gis leen kontraa solar buy yàq, juuti PACE, wala njuuj njaaj ngir gëna baaxal kër"] --> B{"naka lañu amee xaalis ngir projet bi?"}
    B -->|"Siñe ci 3-14 fan yu mujj yii (wala ñu musul jox këyitu fomm)"| C["Mail & Email Yegleb Seddal-Off Tay; tere bépp instalaasioŋ ci kaw"]
    B -->|"PACE Moomeel Tax Lien"| D["Audit ngir DocuSign yu baaxul, ñàkka mëna fay (ATR) xool, wala mag ñi di xañ seen xaalis"]
    D --> E["Dosie CFPB / Plainte bu Regulatëru Etat (lu melni, CA DFPI), Laaj PACE Administratëru Fee Reiver/Rescission, & Aar Escrow Hypotheque"]
    B -->|"Ñatteelu pàrti leble jant (instalatër fen, dem fayit, wala amul PTO utilite)"| F["Joxe ay yëgle yuñ bind ci sàrti boroom FTC (16 CFR pàcc 433) ci kiy lebal jant bi laaj ñu fomm leble bi & dello xaalis bi"]
    B -->|"25-at luwaas jant wala kontraa jënd kuuraŋ (PPA)"| G["Demande Production Garantie Audit, Juuyoo Njuumteg Utility-Savings Reklamasioŋ, ak Xeex Deed Liens bu jaarul yoon vs UCC-1"]

Faas 1: Xam ñatti jumtukaayi xaalis energie bu sell¶

Su amee liggéeyukaay buy gëna suqali kër wala solar buy wut boroom kër, dañuy jëfandikoo benn ci ñatti jumtukaayi yoon. Ku nekk ci ñoom amna loraange yu wuute ci sa këru kër ak sa xaalis:

2ème étape: Kaar sa kër ci PACE Property Tax Lien¶

Energie bu sell buñ jàngat ci moomeel (PACE) dañu ko sos ngir municipalite yi mëna fay energie bu baax wala yeesali sikloon yi (panelu jant, sistem HVAC, palanteer yuy jàpp, kaw yi) ñu fay ko ci limu juuti gi ci moomel. Ndax kilifay PACE yi dañu doon yéem ci ñiy liggéey buntu-ci-buntu ngir lebal xaalis, te bari wuñu woon luñu mëna xool ndax boroom kër gi amna xaalis bumu mëna fay juuti gi, ay junni boroom kër yu am xaalis bu néew ak mag ñi ci California, Florida, ak Missouri mënu ñu woon fay $50+00.

Sa 4 kaaraange yu yoon santaane ci PACE Lien buñu mënatul jënd wala buy njuuj njaaj¶

1. Reglementaasioŋ federoo bu TILA Z "Mën-delloo" (ATR) Ndax (12 CFR Wàll 1026.43):
2. Ginaaw Yokkateg koom-koom, ndimbal ci wàllu yamale, ak sàrtu aar ñiy konsome ci 2018 (Section 307) ak Sàrtu PACE bu CFPB ci Dëkkuwaay, sàrti Dëgg ci Leble (TILA) dañu xaaj PACE dëkkuwaay yi ni jëfandikoo leble federal (ATR) li ñuy laaj.
3. Li yoon làaj tegu: Balaa ngay jël PACE lien, kilifa PACE dafa wara xool bu baax xaalis bi boroom kër gi am, ay moomeelam, bor yi mu wara am, ak njariñu xaalis biy dugg ci dëkkuwaay bi ci weer wu nekk (bokk ci escrow hypotheque) ci jëfandikoo dokimaa yu wóor yu bawoo ci ñeneen ( pay stubs) ngir firndeel ni boroom kër gi mën na fay ndàmpaay bi te du fay bori kër gi.
4. Sa saafara: Sudee jaaykat PACE dafa defar sa xaalis ci aplikaasioŋu tablet bi, te musul firndeel sa xaalis ci Securite Sociale wala sa xaalis pension, wala mu ñàkka joxe formileeru TILA Loan Estimate ak Closing Disclosure ak diiru xaar bu 3 fan, am nga TILA federal bu waral nga jël dogal, fees yu mat sëkk.
5. Aar PACE bu réew mi tëral (Californie ak Floride):
6. Californie (DFPI di saytu & AB 1284 / SB 242): Ci Californie, kilifay prograamu PACE Departemaa bi yor Aar Xaalis ak Bees (DFPI) moo leen di saytu ci wàllu Sàrtu Xaalis bu Kaliforñi. Ci wàllu Kodu xaalis bu Californie Section 22684 et seq. ak Kodu Mbedd yi ak Otorout yi Section 5913, yoon tere na kilifa PACE nangu ab dayo fileek njëkka def ab xool bu dëgër ci xaalis biy dugg ak xaalis biy dugg ci kër gi boroom kër gi dafay siñe kontraa bi, daal di ci topp 3 fan liggéey yelleefu fomm (5 fan liggéey ngir mag ñi am 65 at wala ñu ëpp). Kontraktër dafa wara tàmbali benn liggéey ci sa kër ba keroog diiru fomm 3 fan/5 fan yi jeexee.
7. **Florida (Section 163.08, Florida Statutes, ni ko SB 770 soppee): ** Yoon Florida dafay laaj ñu bind woote firndeel, dafay tënk PACE bi ci 20 pursaa ci njëgu moomel bi, dafay laaj sàrti yëgle bu boroom kër gi, dafay tere ñu joxe xaalis ak juuti ci moomel, 3 fan liggéey yelleef ngir fomm.
8. Njuuj njaaj ci anamu siife elektronik ak xañ mag ñi ci wàllu xaalis (baaxul Ab Initio):
9. Saytu DocuSign wala sertifikaa di audit elektronik ci sa kontraa PACE. Ci dosiye yu bari yuñ bind ci wàllu ndimmbalu yoon, ñiy liggéey buntu-ci-buntu dañu sos adres email bu baaxul (lu melni john.smith.solar123@gmail.com) bi boroom kër bu mag bi musul am, yonne kontraa PACE ak TILA digle ci adres email bu baaxul boobu, ba noppi klike ci boîtes signature yi ci seen bopp ci seen tablet.
10. Ni ñu koy firndee: Laajteel Sàrtifikaa DocuSign buy wane ni liggéey bi jeexna / IP Address Audit Trail ak enregistrement audio bu wootu firnde ci administratëru PACE ci saasi. Sudee adres email bi ci kontraa bi bokkul ak sa adres, adres IP bi mooy tabletu selulu jaaykat bi, wala baat bi ci wootu firnde bi bokkul ak sa adres (wala ñu jàngal la li nga wara wax te xamoo ni lien juuti la), kontraa bi baaxul ndax njuuj njaaj ci jëfandikoo gi (fraud in factum) te dafay tekki krim Toor mag ñi ci wàllu xaalis.
11. Dafay tere ñu tëj xaalis ndax PACE Escrow Spike:
12. Sudee sa faktiiru juuti ci dëkk bi dafa yéeg ba $6,000 ci at bi ndax PACE, sa serwiis hypotek bu njëkk bi dafay fay faktiiru juuti bi ci sa kontu escrow ngir aar lien bànk bi, ba noppi yónnee la Escrow Shortage Notice yokk sa weer wu nekk $00ca, bànk bi dafay jël 12 weer yi ci ñàkkum xaalis bi ak 12 weer yi ci topp ci juuti gi gëna rëy ci jamono jooju).
13. Jëf ci saasi ak sa serwiis hypotek: Woowal sa serwiis hypotek bu njëkk ci Departemaa biy wàññi ñàkk yi ci saasi nga laaj 60 weer (5 at) Escrow Shortage Repayment Spread ci diir bi ngay weddi PACE lien, wala nga sàkku coppite formal ci bor bi (se Yegleb foreclosure, muñ hypotek, ak wàññi perte).

3ème étape: Weaponizing FTC Holder Regle ngir xeex leble jant buy yàq¶

Boroom kër yu bari yiy jënd ay pano soleer dañu jàpp ni sudee liggéeyukaay biy samp ay pano soleer demna ci liggéey, bàyyi liggéey bi balaa muy jàll inspection ville, wala fen ci Credit Tax Federal, boroom kër gi dafay tëju ci fay bor soleer bi ndax bànk bi sosiete bu wuute la. Ci yoon federal, loolu 100 pursaa amul.

Noo ngi lay aar ci sàrtu boroom FTC (16 CFR pàcc 433)¶

Saa yu jaaykat (instalatëru jant, liggéeyukaay palanteer, wala kontraktër HVAC) defaral la xaalis jaaraleko ci leblekat bu ànd ak moom (lu melni GoodLeap, Mosaic, Sunlight Financial, Dividend, wala Synchrony), komisioŋ federoo bu jënd ak jaay (FTC) dafay sàmm sàrt yi ak kaaraange ñiy konsome. Regle bu boroom, dafay laaj ñu imprime paragraf bii ci araf yu ñaw yi ci sa kontraa leble:

YEGGAL: KÉPP KI YOOR BII KONTRAA BU LEBELE BI DAFA AM CI BÉPP LAAJ AK KAAR BI LEBAL BI MËN WAX CI JAAYKAT BI CI MBOOLOO WALA SERWIIS YI MU JOX CI KO CI LII. RECOVERY BI DEBTOR BI DI FAY CI BIIR BI DU GËW LI BI BAR BI FAY CI BII.

Lu muy tekki ci Àngle bu leer? 1. Mën nga wax bépp fen, njuumte ci kontraa, wala njuumte ci yoon bu instalatëru jant bi def directement ci leblekat jant bi ngir fomm saldo bor bi ba noppi delloosi xaalis biñu jota fay. 2. Doon te sosiete solaire bi dafa fayit ba noppi ni mes, leblekat solar bi mënul wax "Du sunu jafe-jafe, yóbbul ko ci instalatëru bi." Ndax leblekat bi dafa fay leble bi jaaraleko ci portaalu tabletu instalatëru instalatëru bi, leblekat bi dafa taxaw ci dàll instalatëru crooked wala fayit.

Arnach Solar yi gëna bari luñu koy fomm ci sàrti boroom FTC¶

• **Scam 1: Paneel yu amul kuuraŋ ("Sistem yu amul yaay" te amul ndigalu Utilite ngir liggéey / PTO): ** Instalatër bi dafay boulong panel yi ci sa kaw, ci saasi mu def 100 pursaa ci leble bi ci leblekat jant bi ci joxe ab sertifikaa di matt bu baaxul balaa muy dindi Ndigalu liggéey (PTO) ci sa liggéeyukaay kuuraŋ. Ndax def nga 6 ba 18 weer di fay $ 250 / weer solar loan AK sa faktiiru kuuraŋ bu mat sëkk ngir weer wu dee ci sa kaw, amna ** total failure of consideration ** may la sañ-sañu taxawal payoor yi te sàkku ci leblekat bi mu fay ab kontraktër bu am lijjaassa ngir jeexal loan ci sistem bi.
• Scam 2: Njuuj njaaj ci leble juuti ci boroom kër yu am xaalis bu néew wala yu jeexal seen liggéey: Jaaykat yi dañuy faral di wax ñi jël seen retrete te dundu ci Securite Sociale wala benefiis invalidite ni nguur federal dina leen yónnee $12,000 stimulus check ci weeru awril bi jubsi ngir 30% Credit Residential Clean Energy. Ci dëgg, leble juuti bu federaal (26 U.S.C. Wàll 25D) leble juuti buñu dul delloo la, DU xëkku stimulus buñ mëna delloo. Sudee danga am $ 0 ci juuti federal (ndax sa xaalis du tax Security Social wala ci suufu deduction standard), ** yaa ngi am $ 0 ci IRS **, te ci Weer 18, sa bor jant dafay yokk 40 pursaa ndax amoo $ 12,000 xaalis ngir fay bor bi. Juum ci wax ni credit juuti buñu dul delloo ni xaalis buñ garanti la, xeetu njuuj njaaj la budul yoon (UDAP).
• **Njuuj Ci wàllu Dëgg ci Sàrtu Leble (15 U.S.C. Section 1605), bépp fere buñu yokk ci njëgu mbir mi ndax konsomatër bi moo koy fay, te du fay xaalis, mooy Njëg Xaalis bi ñu wara joxe ci APR ak Box Charge Finance. Nabb $12,000 fere dealer ci biir njëgu ekipmaa bi dafay ñaawlu TILA ak yooni jëf yu jaarul yoon ak njuuj njaaj.
• Scam 4: Toit bu yàqu buñu defarul ak yab bu ëpp: Jaaykat yi nangu nañu instalaasioŋ jant ci kaw yu am 22 at yu leer ni dañu wara njëkka wecci, wala lag-bolt racks yu jub ci bardeaux te duñu flash, di waral plafond bi di senn (xoolal Liggéeyukaay bi dafa bàyyi, mekanisien yi di leen tiital, ak defar kër gi jeexul).
• Scam 5: Projection yu baaxul ci faktiiru utilite: Jaaykat yi dañuy jaay xeetu losisel (di lëndëmloo garab yu njool yi wala ñuy yokk njëgu eskalaasioŋ utilite yi) ngir dige ni faktiiru kuuraŋ bi dina nekk $0, fekk ci dëgg sa kaw dafay jàkkarloo ak nord ci suufu garab yu diis te génne lu néew ci 00 kilomitt.

4ème étape: dindi ab solar UCC-1 bu jaarul yoon ci sa titre kër¶

Soo siñe ab leble jant wala luwaas jant/PPA, liggéeyukaay bi yor xaalis dafay dugal UCC-1 Deklarasioŋu xaalis (Fixture Filing) ci sa dokimaa réew.

• UCC-1 DU hypotheque ci sa kër: Ci yoon (Code Commercial Uniforme Section 9-334), file fixture UCC-1 du jox sosiete solaire bi benn njariñu kaaraange ci panelu jant bi ak inverter yi ci seen bopp muy moomeel/fixture yuñ mëna dindi. Du leen jox benn garantie ci sa moomel.
• Li waral ba leegi dafay tënk njaayum kër ak refinancement: Ndax UCC-1 dañu ko bind ci index immobilier bu dëkk bi, losisel buy joxe titre otomatik daf koy màndargaal ni dafay sonal sa titre. Sa leblekat refinance wala bànk bi lay jënd kër dina baña tëj ba keroog ñuy dindi UCC-1 ci diir bu gàtt (Subordiné / Release et Re-enregistré) wala ñu jeexal.
• Ni ñuy forse dindi UCC-1 bu jaarul yoon wala buñu jeexal:
• Soo bëggee fay sa bond hypotek bu njëkk, yonneel benn bataaxal Departemaa Titre / Subordination bu liggéeyukaay solaire bi, nga sàkku ci UCC-3 Termination ngir Refinance / Déggoo Subordination ci diir bu gàtt.
• Sudee dañu fomm sa kontraa ci anam wu jaar yoon, dindi ko, wala ñu fay ko, wala sudee benn kompiñi solaire bind na Njuumte ci Kontraa Producteur Energie Solaire Independent wala lien real-estate bu jaarul yoon, yonneel benn Laajte bu dëggu ngir UCC-3 Termination Deklarasioŋ ci suufu UCC Section51.3- Ci wàllu UCC Section 9-513(b), ci wàllu mbir yi ñuy jëfandikoo, kiñ gaaraas dafa wara joxe UCC-3 Termination Statement ci diiru 20 fan ginaaw bimu jotee sa laaj buñ firnde (wala ci diiru 1 weer ci saasi su amee benn wareef). Sudee mënu ñu ko def ci diiru 20 fan, am nga sañ-sañ ci wàllu UCC Section 9-509(d)(2) nga joxe UCC-3 Deklarasioŋu Fippu sa bopp ci enregistreur bu dëkk bi, te ki lay lebal daf la wara fay **$500 ci loraange yiñ tëral boole ci loraange yi am ci UCC(9-5).

Faas 5: Modèle verbatim ngir fomm kontraa yi ak fësal sàrtu boroom FTC¶

Modèle 1: Yegleb Cooling-Off buñ tëral ngir fomm (Yonnee ko ci diir bu weesuwul 3 ba 14 fan ginaaw biñu siñe, wala saa yu nekk sudee yëgleb fomm bi amul)¶

[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: FTC boroom sàrt yi laaj ak laaj ngir fomm leble (kontra Solar / kër leblekat)¶

[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]

Faas 6: Energie bu sell ci àdduna bi ak aar ci defar kër buntu-ci-buntu¶

• Canada (Province yi dañu tere HVAC buntu-ci-buntu / Naxasaale jant & yëgle ci coppite yi am ci njariñu kaaraange):
• Ontario (Sàrtu Aar Kiy Konsomatër, 2002 & Sàrtu Aar Boroom Kër, 2024): Ontario dafa tere jaay buntu-ci-buntu four, klimaa bi, chauffage ndox, ak aparey yiy raxas ndox ci 2018; bépp kontraa buñu siñe ci vizite buñu laajwul amul benn njariñ. Ci wàllu Ontario Sàrtu Aar Boroom Kër, 2024 (Projet de loi 200), dëkk bi dafa tere ñu bind yëgle yiy wax ci njariñu kaaraange (NOSIs) ci registru suuf si, ba noppi **dafa jàpp ni bépp NOSI buñ bind ci boroom kër yi génne nañu ko ci suuf si te amul benn këyit. leen ci titre bi te doo fay.
• Alberta (Sàrtu Aar Kiy Konsomatër & Sàrtu Lisaas buy Jaay ci Liggéeyukaay): Dafay tere jaay buntu-ci-buntu four, klimaa bi, radiatëru ndox, palanteer, ak kontraa buy saytu kuuraŋ/produit solaire, te dafay may **10 bis ci kontraa (ñu yokk ko ba 1 at sudee amul lisence wala amul ay leeral).
• Royaume-Uni (sàrti kontraa yiy jëfandikoo 2013 ak pàcc 75 CCA 1974):
• Yelleefu seddal 14 fan: Ci wàllu Reglemaasioŋ yiñ tëral ci wàllu kontraa konsomatër 2013, bépp kontraa boo siñe ci sa kër dafa wara am yelleefu fomm 14 fan ci kalendriye bi (ñu koy yokk ba 12 weer ak 14 fan sudee dañu fomm kontraa bi).
• Section 75 Equal Liability: Ci wàllu Section 75 ci Consumer Credit Act 1974, sudee dangay fay ay pano soleer, pompu tàngoor, wala double-vitre jaaraleko ci kontraawu leble ci barabu jaay (wala nga fay £100 ci deposit bi ci kàrtu kredi) ngir sistem buy njëg £3000 Ki joxe kàrt bi dafa wara bokk ak ki ko samp bépp njuumte ci kontraa bi wala njuumte ci joxe leeral, te mën nañu ko yóbbu ci Serwiisu Ombudsman Financier (FOS) ak MCS / RECC.
• Australie (Yoon wiñ sàkku ci konsomatër yi ci Australie):
• Ci wàllu Section 69 ba 88 ci Sàrtu Konsomatër bu Australie (ACL), bépp njaayum buntu-ci-buntu wala jaay ci telemarketing bu ëpp $100 dafa am 10 fan liggéey ngir seddal boppam, ci jamono jooju jaaykat bi ñu tere ko samp benn aparey wala nangu fay. Sudee jaaykat bi dafa xañ waxtu woote yiñ may, baña bàyyi xel ci sticker "Bul fëgg", wala samp ay aparey ci diiru 10 fan yi ngay seddal, sa yelleefu fomm dafay dem ba 6 weer ci wàllu 82 ci ACL.

Laaj yi ñuy faral di laaj¶

Ndax sosiete buy luwaase solar wala leblekat solar mën nañu tëj sama kër sudee bàyyi naa leen ko fay?¶

Dafa aju ci ndax siñe nga PACE jàngat ak Leble wala Luwaas/PPA Solar buñ miin. Soo siñe PACE jàngat, waaw: ndax PACE dañu ko bind ni juuti gi gëna am solo ci moomeel municipaal, ñàkka fay mën na jur njuumte ci juuti ci moomeel wala escrow hypotheque default bu mëna jur foreclosure juuti-lien wala foreclosure hypotheque ci sa kër. Waaye sudee siñe nga Leble Solar wala Luwaas/PPA Solar amul lenn ludul UCC-1 Defarkatu jumtukaay, UCC-1 dafay muur pano soleer yi ci seen bopp. Leblekat jant bi mënul directement foreclose ci sa kër jaaraleko ci UCC-1 filing, waaye mën nañu jëlaat panel yi wala ñu tuumal ci tribunal civil fileek waxoo FTC Holder Rule defenses.

Nan laa mëna jaay sama kër sudee ki ko jënd nanguwul jël sama kontraa 25 at wala PPA?¶

Laajteel kilifa gi Transfert luwaas / paquet assumption ak Jamonoy njëkka fay / jënd ci sosiete solaire bi balaa ngay dugal sa kër ci lim bi. Sudee sistem bi deful liñu ko digal ci kontraa bi Garanti defar wala sudee jaaykat bi def na njuuj njaaj ci liggéey bi, joxe ab këyit buy sàkku ñu fomm kontraa bi wala ñu wàññi xaalis biy jënd. Sudee luwaas bi baaxna te jëndkat yi nangu wuñu ko nangu, waxtaan ak sosiete jant bi ngir ñu njëkka fay dessitu luwaas bi ci njëgu net-present-value bu wàññeeku (bayyi $0 weer wu nekk ngir jëndkat bu bees bi) moo gën ñu fay njëgu Fair Market Value Equipment Buyout.

Sudee sama instalatëru jant bi dafa fayit ba noppi samay pano toog ci kaw sama kaw daal di fay?¶

Bul wéy di fay bori jant bi ngir sistem bu dee, buñu deful liggéey te doo def benn yëgle bu mat sëkk ci ki lay lebal. Yonneel ci saasi sosiete bi yor wàllu xaalis jant bi ab bataaxal buñu sertifiye di woo Regle bu yor FTC (16 CFR pàcc 433) (xoolal Modèle 2 bi ci kaw). Laaj leblekat bi mu dakkal faktiiru weer wu nekk ak intere yiy gëna yokk, nga jël ab kontraktër bu am lijjaassa buy wuutu solaire ci xaalis lebalkat bi ngir mu jàll inspection municipaal bi te am ndigalu utilite ngir doxal (PTO), wala nga fomm leble bi yépp. Ci jamano jooju, defal ab klaim ci instalatëru instalatëru fayit bi Gaaraati Licence Contracteur d'État ak sa etaa Fonds de récupération des contractants résidentiels.

Ndax mën naa am 30% ci juuti gi ñuy fay ci dëkkuwaay yu sell yi sudee luwe naa samay pano soleer wala ma siñe kontraa biy jënd kuuraŋ (PPA)?¶

Deet. Ci wàllu kodu Revenu Interne Section 25D (26 U.S.C. Section 25D), kiy fay juuti kese mooy jënd ak moom sistemu jant bi (mën na nekk ci xaalis wala ci leble jant) mën na sàkku 30% Residential Clean Energy Credit ci IRS Form 5695. Soo siñe benn Lease Solar wala benn Déggoob Jënd Kuuraŋ (PPA), sosiete leasing solar mooy boroom pano yi te dafay laaj juuti ci boppam. Bépp jaaykat bu la wax ni mën nga laaj 30% IRS credit tax ci luwaasu jant wala PPA def na njuuj njaaj ci konsomatër.

Saytu nañu ay balluwaay¶

• Komisioŋu Njaayum Fédéral (FTC) (Etats Unis): Sàrtu sàmmonte ak kaaraange konsomatër yi (Sàrtu boroom FTC), 16 CFR Wàll 433 ak Sàrtu Seddal FTC, 16 CFR Wàll 429.
• Biro biy Aar Xaalis Konsomatër yi (CFPB) (Etats Unis): Sàrtu Xaalis buñ Natt ci Energie Set (PACE) ci Dëkkuwaay yi (TILA Regulation Z), 12 CFR Wàll 1026.43 ak CFPB Mbir mi ñuy Xool: Xaalis Jant (22201200).
• NU. Departemaa bi yor xaalis ak sarwiisu xaalis bi ci biir (IRS) (Etats Unis): Leble Energie bu Sell ci Dëkkuwaay (26 U.S.C. Wàll 25D / Tegtal Formulaire 5695 IRS).
• Departemaa bi yor wàllu aar xaalis ak liggéey bu bees ci Californie (DFPI) ak sàrti Floride (Etats Unis): Kodu xaalis bu Californie Wàll 22684 ak yi ci topp. (Njiiti prograamu PACE), Kodu siwil bu Californie Wàll 1689.6, ak Sàrt 163.08 bu Floride.
• Ministëru Ontario bu Yorandi Serwiisu Ñépp ak Liggéeyukaay (Canada), FCA (Royaume-Uni), & ACCC (Ostrali): Sàrtu Aar Boroom Kër bu Ontario, 2024 (Projet de loi 200 buy tere NOSI yi); Sàrtu leble ñiy konsome ci UK 1974 (artik 75); ak Yoon wiñ tëral ci wàllu konsomatër ci Australie (Pacc 69 ba 88).

Gid yu jëm ci loolu¶

• Liggéeyukaay bi dafa bàyyi, mekanisien yi di leen tiital, ak defar kër gi jeexul
• Yegleb foreclosure, muñ hypotek, ak wàññi perte
• Delinquency juuti ci moomel, juuti lien njaayum, ak jëlaat kër
• Conservatorship mag, dindi kàttan àttekat, ak sàcc fiduciaire
• Moytu leble yu baax ak fiir yu ñuy fay
• Nimero paj mu jamp ci réew mi