It's not enough that FARMERS INSURANCE and SHADOWBROOK ESTATES HOA forced my autistic son to live in a dangerous house for years, now they are forcing him to endure chemo with no kitchen. I purchased a juicer to make him carrot juice to help save his life, but we have no kitchen, no sink, no place to wash dishes.
This is the ugliest case of low balling ever.
How is it not manslaughter?
How is it not cruel and unusual torture?
Why is this happening?
Shadowbrook Estates made it abundantly clear that they didn't want an autistic person living here.
They resented that he was allowed to have a side yard safety gate and tormented James for many years for frivolous reasons.
Why did FARMERS INSURANCE join Shadowbrook Estates in the heinous torture of an innocent autistic man? Why?
NOTHING IS STOPPING
FARMERS INSURANCE, SHADOWBROOK ESTATES HOA AND CAMMARATA MANAGEMENT FROM DOING
THE RIGHT THING ABOUT WATER DAMAGE AND STACHYBOTRYS MOLD THEY CAUSED WITH LAWN
SPRINKLERS.
(Covering up some of the evidence of the ongoing damage with wood
chips is not an appropriate form of Stachybotrys mold remediation.)
Dear Mr. Christian F LaMond, KMFM Law Firm, Farmers
Insurance, Shadowbrook HOA, Cammarata Management, et al;
To clarify, my autistic
son James and I were trapped for years in pro per as “defendants” in BC661819
in a HERO home repair property tax financing scam. You may examine the public
records to verify my statements.
James was in a downward
spiral the entire time, a downward spiral started years ago by your ruthless, vindictive, heartless client, Shadowbrook Estates Homeowner's Association. You are free to examine the frivolous case the Shadowbrook HOA filed in
court that nearly killed James. James never recovered from what the HOA put him
through.
Then Farmers and the HOA
compounded the previous injury with new unnecessary injuries and took advantage
of our predicament and just didn’t do the repairs on our home since we were
spread too thin to be able to take on the formidable task of forcing them to
make repairs WHILE grappling with our injuries.
Now we have prevailed in
BC661819 and the threat of losing our home to that scam is over. However,
James’s health has continued to get worse. My health, documented as good by a
full exam in 2016 suddenly began to sharply decline when a FARMER'S representative called me
DURING an exam in 2016, after I specifically asked this FARMER'S representative NOT to call during this time period and the doctor noted that the call offering me "a settlement
of $300 and a bag of wood chips and a small piece of drywall had caused my blood pressure
to spike dangerously high. Farmers made that call to me even after I told them not to
call me because I was having an exam.
This Farmers representative called me back right after I told I could not talk because I was having an exam, but he defiantly called back again immediately because he just could not wait a few hours for me to finish my doctor visit to
tell me of the HOA’s offer to “settle” a massive water damage problem with a
bag of wood chips and a piece of drywall and $300/$500 dollars.
This FARMER'S representative acted so excited to tell me of this settlement offer made by the Shadowbrook Estates Home Owner's Association as if it was the biggest settlement made in the history of mankind. The shock of the absurdity and cruelty of such mean spirited low balling of a serious stachybotrys mold problem made my blood pressure spike. The doctor said my records never showed blood pressure this high before. I had never received such a gut punch before. This FARMER'S employee will be called upon to testify before a jury as to who put him up to that stunt and why he agreed to engage in such cruel behaviour.
Your client offered me a
tiny piece of drywall for this area of Stachybotrys mold by our staircase where
the only water source was the lawn sprinklers:
You client refused to pay
for all the drywall needed.
It was a miracle we were
able to get the two (property tax scam) Mechanics Liens removed in our
condition, with no legal help because we couldn’t afford an attorney. You could
have made it easier by making our home safe to live in while we went through
that ordeal. Instead you decided to let us live in a dangerous, gutted house,
suffer back to back lung infections, and have no kitchen facilities, no place
to cook and to wash dishes for YEARS. You did this to us because you wanted to, not
because you had to. There was nothing stopping you from finishing the mold
remediation and repair of our home once tests showed the sprinklers caused the
damage. You hoped to get away with not being responsible.
As plaintiffs now that the PETERSEN DEAN / HERO FINANCING PROPERTY TAX SCAM is no longer a threat, it will be
easier to get an attorney to sue Farmers and Shadowbrook Estates, Cammarata
Management et al, easier but not easy. I remind you that you did not have to
force me to take on this burden in our wounded state. You and your client have
always been free to do the right thing and make the home repairs. Since you are forcing me to sue to get mold remediation and water damage repairs, I insist on a trial by jury and I insist you explain to the jury why you took this route, why you decided to put me and my son through such extraordinary pain for what should have been, by all the video, photographic and test result evidence gathered and shared with the California Department of Insurance, a simple repair job and a ceasing of bad watering habits by your client.
An attorney on AVVO
messaged for me to call his office weeks ago for possible representation and I
had to keep messaging him that James was too sick for me to have the meeting
yet.
In fact, James has just
stated screaming again now. What you can't see in a letter is how many times I have to leave the work and attend to James. I have to finish this letter in stages. You can’t do an intake with an attorney under these conditions. I have to wait until James is well
enough for me to answer the attorney's questions in one sitting. In his current state James is unable to go to his physical therapy
appointments and only goes to doctor appointments, sometimes five days a week, to try to diagnose and manage the crisis.
I’m having to multi task
now WHILE I write this. I can’t do intake on a legal case while taking care
James in crisis. James was having such a bad reaction to medication after his
recent emergency room visit that we had to reschedule his surgery. He was too
sick for surgery. This is what I was trying to tell you yesterday over the
phone. I was multitasking during that phone call as well. We were in line at
the cashier shopping, James had to have an emergency bathroom visit and change
his diaper and I had to protect him from darting into traffic while I was
talking to you. That was a “good day” because he didn’t need his wheelchair. On
a bad day he is screaming at the top of his lungs and no conversation can be
held.
A jury will understand
what we have been put through, that you unnecessarily forced me to sue
you in order to get our home repairs. I also believe a jury must be shown the full history of what
Farmers allowed the HOA to put us through knowing it was very damaging to an
autistic person to have their home, their life disrupted like this.
I have asked my
congressman Ted Lieu to help me press criminal charges against Roy Guthrie, CEO
of Hero/Renovate America home repair financing and their Contractor Petersen
Dean for the property tax financing scam home repair scam. I will seek help from every possible source to bring you to justice as well. It is wrong to cause a life threatening situation and just leave your victims in it with the hope you will get away with it. You should be ashamed and punished to the full extent of the law for treating a stachybotrys mold problem you caused like a joke.
I will manage to sue
Farmers and the HOA et al since you refuse to finish the remediation and repair
unless a court forces you to. I will do this as soon as humanly
possible under the circumstances. I will ask the court to make you buy us a new
home for putting us through this, for neglecting to make required repairs.
In court it is also my
intention to allow the jury to review the historical facts, the entire history of this HOA
tormenting my autistic son for years in a frivolous case that was ultimately
dropped because it had no merit and cost HOA homeowners, including me, $50,000
for the vindictive, hateful harassment and abuse of the court. The Management
company (Bali, not Cammarata) confirmed that they filed the frivolous case as
“punishment” because we had been able to keep our side-yard safety gate (to
keep James from dartinginto traffic and
being killed) and that we must pay a “sacrifice” for being allowed by law to
keep that gate, that something we cherish must be sacrificed because the HOA was
offended and called for a “sacrifice”. The HOA and Bali Management went down a list of things and when none of those sacrifices satisfied them, they kept coming up with new "sacrifices", as if our pain was not impressive enough and they had to keep going until they felt satisfied that we had suffered sufficiently. They said they could see my TV dish if they tip toed on my neighbors porch and demanded I take it down. You can see other home owners TV dishes without tip toeing on a porch. I took the dish down. Then they demanded I remove my flowers or they would kill them the next day. They demanded we remove the side yard safety gate. I reported them to various agencies and asked for advice. They sued us over the color blue and said we should use PINK window treatments in my son's room, that PINK would be allowed. Other home owners had blue window treatments. This went on for YEARS. They literally ruined my son’s life and
totally changed him physically and emotionally. That heinous history is part of
what is happening now and a jury needs to review the full history of how James
came to be damaged by this HOA and two management companies and how they stopped James from ever recovering by being forcing him to live in
a dangerous gutted house and stressing us without cause.
This has become a mold
Remediaton case that was not properly handled and further complicated a
deliberate violation of disability rights. The HOA lawsuit against us caused
James to be given sedatives that further harmed him, destroyed his teeth and
locked him in an even more painful downward spiral. James began self injuring and deteriorating emotionally. The HERO PROPERTY TAX HOME REPAIR SCAM
delayed our ability to handle all these moving parts but nothing was preventing
you and your client from doing the right thing, ending our pain, making the
water damage repairs. Be advised , Justice will be served. A single mom, 65
years old and a very ill autistic young man cannot deliver swift justice, but
we will move towards it as fast as we are able. Farmers and their client will
be held accountable for deliberately hurting my autistic son. A jury will
review all the facts. Our damages are catastrophic. The HOA could have repaired
our mold damaged house WHILE we struggled to get the BC661819 Mechanics Liens
removed but instead they chose to force us to live in an unsafe house and after YEARS of doing nothing to help us recover from the Stachybotrys mold, on the
eve Easter Weekend 2019, they littered our yard with the wood chips we told
FRAMERS in 2016 would only make the problem worse. The wood chips buried the
visibility of the ongoing water damage to a pipe that bursts every year or so
due improper watering. The wood chips conceal the rusted chicken wire and they
conceal rodent holes where rodents can breed freely without being seen anymore and get into my garage if I
don’t close it quick enough.
Wood chips "settlement" instead of repair and remediation will be
presented to the jury as Farmers idea of mold and water damage remediation. The
jury will see video of our home and how Farmers and the HOA forced us to endure these
conditions for years. When I said nothing was stopping the HOA from doing the
right thing, reasonable people would take that to mean finishing the mold
remediation that testing proved was the result of sprinklers, not from appliances
and making the repairs to concrete and metal water damage, not to gleefully dumping wood
chips on top of the damage.
I have had to tend James
many times during my attempt to write this letter. The same was so when I had
to write the interrogatories in case BC661819. If you can imagine an autistic
person who is melting down because the kitchen is gone ( from mold caused by
sprinklers) and having bad reactions to medications and then imagine you are
alone in that scary gutted house with no kitchen answering interrogatories without an
attorney because you don’t have a retainer while that autistic person screams
in emotional and physical agony. Your client was told in 2016 that wood chips
were a ludicrous and dangerous, inappropriate “solution”. This goes beyond
intentional infliction of emotional distress into deliberate endangering of
life and mental torture.
I will ask the court and
jury to have you and your client pay to relocate us to a new home. You have all
but killed us. I do not think any jury will be amused by your cruel wood chip
defense. I do not think any jury will want us to endure any more time in this damaged house. You have tortured us enough.
The pipe that bursts every
year or so due to over-watering is now turning green again UNDER the cover of wood chips, so I won't be able to give you the heads up it's time to change it because it's about to burst again warning I usually give because I won't be able to hear the hissing this time because of the wood chips.... a fountain of water will hit the side of my house AGAIN. This HOA just does not care and neither do you and FARMERS INSURANCE.
Much of this damage is
covered with wood chips but the chicken wire continues to rust and crumble
under those chips.
Does the HOA want Farmers
to cover this Stachybotrys mold damage in the kitchen that was caused by the water sprinklers with wood
chips as well? Tests proved it was not caused by an appliance as the arch
patterns of mold matched the location of sprinklers and the arch pattern of the
sprinklers spray.
A class action is a
possibility because other if the 90 or so homes have similar damage.
FARMERS KNOWS A THING OR TWO ABOUT COVERING UP STACHYBOTRYS MOLD
Irrefutable evidence surfaced as a result of mold inspections upon our house. Much of the stachybotrys mold in our house was caused by our home owners association, (HOA) and they are represented by FARMERS INSURANCE.
My home insurance, ASSURANT, removed some of the mold that FARMERS should have removed. There is still STACHYBOTRYS mold growing in our home. There are active, fertile STACHYBOTRYS MOLD colonies in our home.
FARMERS had many outrageous communications with me that caused me to ask the CALIFORNIA DEPARTMENT OF INSURANCE to help. The CALIFORNIA DEPARTMENT OF INSURANCE was not able to get FARMERS INSURANCE to accept liability and take care of the mold, even with the overwhelming evidence, photos, reports and even knowing that my autistic son James had suffered many serious lung infections and is sick most of the time now.
It was obvious to anyone who drove by the house that severe water damage to the outside of the house was caused by the HOA over-watering the lawn. No one who saw it had any doubt. It would be hard to sell the house. Still, FARMERS decided to try denying their client did it. FARMERS decided to behave badly and just try to get away with it.
FARMERS offered me a bag of wood chips and a piece of dry wall. My blood pressure went dangerously through the roof from the gas-lighting FARMERS was heaping upon me and my doctor advised me not to try to reason with FARMERS anymore. It was making me sick. I did not have high blood pressure BEFORE FARMERS started messing with me. It was a game to them but it was too hard for me to survive.
My home insurance adjuster at ASSURANT also had a strong reaction to the egregious low-balling by FARMERS. The fact that FARMERS offered to COVER UP the stachybotrys mold with new dry wall was not just shocking because it is a dangerous mold to leave in your house. ASSURANT was shocked that FARMERS was admitting liability for mold encroaching into the house from the constant overuse of the lawn sprinklers. FARMERS quickly maintained that they were not really accepting liability for mold inside the house, they were simply offering one piece of dry wall to use inside the house.
My son is very sick now. I don't have time to do justice to this blog today, but I needed to get it started.
I will post the evidence. I will post the mold reports that ASSURANT paid for and that FARMERS received copies of.
When I have all the evidence put together on this blog, I will forward it to attorneys and ask them to represent me and my son James in this matter.
I have to do this because FARMERS hired an attorney, Mr. Christian LaMond OF KMFM, KOLETSKY, MANCINI, FELDMAN & MORROW, who also pesters me to start the dangerous-to-my-health mind games up again. No matter how many times I told Mr. Lamond in writing (I will publish my letters in future posts), he would contact me again as if I never told him I needed to hire an attorney to deal with him, that I could not deal with him in pro per. I am not qualified to handle this in pro per. FARMERS saw fit to elevate it to a legal matter and so I have to find representation.
I reminded Christian LaMond on many occasions that nothing was stopping FARMERS and their client the HOA from doing the repairs they are supposed to do, that all home owners pay them $320.00 per month to do and that nothing was stopping FARMERS from making a fair settlement offer. Torturing me was not necessary.
If the California Department of Insurance could not reason with FARMERS, why would I try to do it alone? If FARMERS blew off the California Department of Insurance with the "make me" attitude, digging their heals in and refusing to accept responsibility in spite of reports, photos and evidence that speaks loud and clear.
I will post the evidence on this blog. Five different bad things happened to us in 2016 and my autistic son and I are struggling to stay alive and get through this. Unfortunately, some people, when they see a disaster, chose to loot, steal, rob and take advantage of people who are trying to survive.
FARMERS INSURANCE has cute commercials on TV. This blog will introduce you to a different side of FARMERS that is so corrupt that anyone who works for FARMERS should hang their head in shame for the heartless, bad things the company tries to get away with.
FARMERS knows a thing or two about LOW-BALLING because they have gone lower than most insurance companies would dare. FARMERS has gone shamelessly low.
FARMERS claims that they cover almost anything. They omitted the word "up". FARMERS will COVER UP almost anything. They tried to force me to let them cover up fertile, dangerous stachybotrys mold with drywall and a bag of wood chips. FARMERS doesn't care if the mold caused my son's lung infections. FARMERS just wants to hurry up and cover it all up.
To be fair, FARMERS often asked about the health of my autistic son James, but the way they asked was ugly. FARMERS didn't ask if James was going to be ok. FARMERS asked me over and over if I was going to include James in the claim.
FARMERS doesn't care if James dies from exposure to STACHYBOTRYS mold, they just don't want his death to be mentioned in the claim.
This is an update of a post written in September 2016. At the time I thought being attacked by OCWEN which manages my home loan that DEUTSCHE BANK bought was enough to kill a person. We didn't find an attorney to help us save our home but the CFPB helped stop the unwarranted attack and OCWEN put my name back on my loan. I saved our house but didn't get any damages for the hell of having to fight to save my home when I had a loan in good standing with a perfect payment history. Then, still in 2016, I thought what FARMERS INSURANCE did to us was going to kill us. I never dreamed that UNIVERSAL FLOOR SOURCE was being dishonest with me, my home insurance and SYNCHRONY BANK, that they didn't really have a license to rebuild our kitchen after mold remediation and they would join the ranks of vultures trying to steal the $76,000 equity in our home. And little did I know the HERO PROGRAM and PETERSEN DEAN SOLAR also had a scam cooking, that they also had been drooling over the $76,000 equity in our home that KEEP YOUR HOME CALIFORNIA had just granted us. With no attorney, my son and I had to fight alone to save our home. My autistic son James was by my side as I filed complaints with government agencies and filed responses in court to PETERSEN DEAN'S sneaky attempt to steal our home via Mechanics Liens that they had no right to file. They hoped no one would find out in time to stop them.
In 2016 a lot of con artists descended upon my autistic son and I and attempted to steal the equity in our home or in PETERSEN DEAN'S case, our entire home. A series of simultaneous disasters prevented us from focusing on the go fund me page for James in 2017. We found ourselves in a life and death fight to stay alive. We were in the emergency room over and over again with breathing difficulties and loss of consciousness. We were both badly beaten down by men who relentlessly threatened and bullied us, and we both began suffering sudden extreme high blood pressure episodes with fainting and difficulty breathing and lung infections. My son James and I are happy to be alive. We are still in danger and living in filthy, dangerous, horrible conditions but we managed to stay alive through all this.
The CFPB helped us make OCWEN stop its out of the blue attempt to steal our home (suspiciously following a $76,000 KEEP YOUR HOME CALIFORNIA GRANT and $5000 HAMP incentive award for never being late on my home loan). My CFPB complaints stopped OCWEN'S attempt to reverse our home loan modification which has a PERFECT PAYMENT HISTORY but during that battle to save our home from OCWEN, stachybotrys mold was discovered in our home and contractors who lied about having a license further damaged our home and shattered our lives before we could get back up on our feet after the unjustified OCWEN attack.
Here are some links to the simultaneous, ongoing disasters that my son and I are facing alone:
It is a new year. We are still alive. My autistic son has made it clear to me that he trusts me and loves me. I am humbled by the way my son still looks up to me after I got so badly beaten by all these bullies these past two years. I am deeply moved by the his absolute trust that I will always keep him safe. He has made up little songs about me I will not fail him. I will get our house back from PETERSEN DEAN / HERO / RENOVATE AMERICA and I will sue them for their ruthless attempt to steal our home via their shameless tax credit scam. I will make UNIVERSAL FLOOR SOURCE repair what they destroyed without having a license. I will sue FARMERS for their standoff with my home insurance, for refusing to remediate the mold that their client Shadowbrook Estate Home Owner's Association caused.
The original September 28, 2016 post before things got so utterly out of control:
With all the fighting for our lives to save our home from OCWEN and now FARMERS INSURANCE, when all we have done is always pay our bills on time, there was little time left over to work on this fundraiser to help my autistic son James.
His dental pain is so severe that his life is ruined. The medications the ER gives him to make him stop crying have backfired and caused him to cry more with severe bladder problems. He spent Christmas and his birthday in pain, in bed. His health is being destroyed and his teeth hurt him everyday.
Please share James' Go Fund Me video with everyone you know. Thank you. ❤️
