(

CONSUMER COMPLAINT FQ~Office of the Indiana Attorney General

. .

APR 01 2010(,

J prevent delay, please be sure to complete both sides of this form in full. Please print clearly or type. DO NOT irp;m-<ORJiIDt' S:CWiiRALOF INDIANSecurity Number on this form or in any accompanying documents. CONSUMER PROTECTION

1. YOUR INFORMATION

Ms. oDr.Name \'~ ckAddress J R~'JeR,rQI·N±e. ('jAm -=If 1005

City :Te-F£e R50N v \ \ \ e. State :rev'ZIP ~ 71 3 0 County C lA ~ k City cre-P-P-€-RSOrJ v'l 1\eState =c- NAge 018-24 025-34 035-44 9(45-54 055-64 065+ ZIP J.--f 7130 County ~C~(A:::u..::p-::..!.k~_

Phone (SaD. - S 50- 2'LJ~7 Day Phone (~/;).) ;;L?52 - J 100(5Q~-5S0- 5?L/?:7 Evening E-mail _

E-mail .YohBCJ< g iNS~'iJh+bb .. Co{Y\ perS~_y?Udealtw.lith _\<'~e::::.\~J·~~4-~=-r=-~=-t--;-1~========~~~~~~==~~~~~~~V=I==V====~~~~==~~~~~~~~L-3_,_W_H_EN_D_ID_T_R_AN_S_A_C_TI_O_N_/IN_C_I_D_EN_T_O_C_C_UR_?+·~~~~~~D~a~te~D0cfr~J~O~67&~·~,~n~m~e,~~~~~0~AMnT~~~~~~tN

2. WHO IS YOUR COMPLAINT AGAINST?Name/Rrm 0

D'tReCToe,5Address I R)'ljeR. po I tJk PLAk4

4, WHERE DID THE TRANSACTION/INCIDENT YOU ARE COMPLAINING ABOUT TAKE PLACE?

~tthe firm's place of business~of--My home

-t-Away from the firm's place of business (work, convention, etc.)..J Other

o By Mailo By lnternet/e-rnallo Bytelephone

5, WHAT WAS THE VERY FIRST CONTACT BETWEEN YOUAND THE FIRM? (Check box when applicable)

o I went to the firm's place of businesso I received a telephone call from the firmo I responded to an offer on the Interneto I responded to a printed advertisement ~

AOthere?OQ;;L~-~% ~W."'lA

o I telephoried the firmo I responded to a TV/radio ado A person came to my homeo I received information bye-mailo Ireceived information in the mail

6. DO YOU CONSENTTO DISCLOSING THE FOLLOWING TOTHE PUBLIC? 7. WHAT WAS THE TRANSACTION FOR?

The nature and status of your complaint and the name of the firm? ~Yes 0 NoYourname? ~Yes 0 NoYourphone number? j4" Yes 0 No

o Mybusiness~y familylhousehold

o Myfarm

8, HOW DID YOU PAY?

o Casho Check

o Credit Cardo Installment Loan

o Medicaido Medicare

o Private Insurance .~ Other fh ~-+t1 ~ =- -~-+;--, - FJ2.QLV

9. DID YOU SIGN ANY WRITTEN AGREEMENT? IF YES, PLEASE ATTACH A COPY OF THE AGREEMENT. o Yes ~NO

For Office Use Only: IL--_In_d-...L1_p_ra_c--,-l_p_L __ M_O__ N_L__ N_J--,-_O_A_: _I Inv 1 See 1File Ii

-cr-

~~~. ---------------------------------------------------------------,~----------~1~•• HAVE YOU COMPlMNEIJ TO THE BUSINESS?

When? fbfzNy t;me..s iN wrS; +, rJ~ Action taken? --..-J~=--L~~_,;_~~L.!-.:'-~:=-==-=-

eR LL!.

11. WITH WHAT OTIiER AGENCY HAVE YOU FILED THIS COMPLAINT?Nhen? NC) rJe, Action taKen?

;=1=2.=H=A=V=E=YO=U=C=O=N=T=AC=T=ED==A=PR='V=A=TE=A=TT==OR=N=E=Y?=.==============================~)@G==~=eS===D=N~O====113. HAVE YOU STARTED A COURT ACTION? IF YES, PLEASE ATTACH A COpy OF ALl COURT PAPERS. 0 Yes I

==14=.=H=AV=E=Y=O=U=BEE==N=S=UE=D=O=V=ER=rn==IS=ISS==UE=?='F=Y=E=S=.P=lEAS==E=A=:rr.=A=C=H=A=CO=P=Y=O=F=AU==C=OU=R=T=PAP==ER=S=.=======o==ye=s==:!::;=====,

15. DOllAR AMOUNT ASSOCIATED WITH YOUR OSS IF ANY. $ eR: u16. PLEASE DESCRIBE YOUR COMPLAINT IN DETAIL (ATTACH ADDITIONAL PAGES IF NECESSARy)

/

18. CONSENT AND CERTIFICATION

I certify that the information in this complaint is true and accurate to the best of my knowledge. I consent to the release of any information to theConsumer Protection Division relating to this complaint. Iunderstand that f should not include my Social Security Number in any information submittedto the Consumer Protection Division. If I do provide my Social Security Number, I expressly consent to the disclosure of my Social Security Number in

"ccord"nCe~:~.A:, G/;;J..7 j;;lDOqYour Signature Date

WHAT WIU HAPPEN NOW? WHAT ElSE SHOULD YOU DO? MAil COMPLETED FORMS TO:

The Consumer Protection Division will send a copy of your complaint to therespondent firm or licensed professional. This office cannot disclose your complaintagainst a licensed professional to the public unless this office files a disciplinaryaction against the licensed professional. This office represents the State of Indianaand is limited in the remedies it can pursue. You may be entitled to compensationor other rights that we cannot pursue for you. In addition to filing this complaint. you

1y want to consider contacting a private attomey or your local small daims court

(Q ReG- z: 00}feRAttorney General Btev8 Gart@FConsumer Protection Division

Government Center South, 5th floor302 West Washington Street

Indianapolis, IN 46204PH: 317 -232-6330 c FAX: 317 -233-4393

www.lndianaConsumer.com

Rev 12-06

AFFIDAVIT STATEMENT OF VICKI HACK

I, Vicki Hack, owner and resident of Unit 1005, of The HarboursCondominiums, Jeffersonville, IN, make the following statements of my own freewill and act and that I have not been coerced or promised anything for recordingmy statement.

I have talked to over 100 Homeowners and witnessed many Homeowners atthe Harbours, and renters living in fear of intimidation, harassment and retaliation,they are giving up and moving out, leaving their units abandoned. I have tried tofight for justice and what is right, on behalf of these crime victims and myself. Ibelieve I know of over 25 homeowner reports of theft and vandalism of theirvehicles and home. I believe that fear is-used to target certain people and drivethem out of their homes, so others can profit from Homeowners selling their homesunder duress. In my opinion, the Harbours Vice President.Kevin Zipperle and theManager Cindy Richards are business partners, manipulating everything in orderto buy and sell these units at the Harbours for a huge profit. I believe based 011

many Homeowners accounts that Kevin Zipperle set up the=f'reasurer of the BoardSharon Chandler to sell Real Estate at the Harbours and block sales of innocenthomeowners, to profit for themselves.

I feel that some Board members and staff are using the Harbours Buildingthat is jointly owned by 184 Homeowners, to profit for themselves.

( I feel many Security Guards, Office Staff, Board Members and Homeownersover the past 10 years have identified serious criminal operations at the Harbours.

Many Homeowners, including myself have asked the Harbours Board forsimple detailed financial records that even the Board Attorney, Jack Vissing, toldme last year was reasonable for a Homeowner to request. The Board and Managercontinually have denied these simple financial requests from Homeowners and evenrequests made by other Harbours Board members to view these financial records &documents. (For example a simple record requested, by Unit, date of maintenanceservice & amount paid to association), or (list of parking spaces-owner), theserequests even made by Board members were denied by the Board. The HarboursBoard has no Transparency or Accountability of any records or documents.

I believe that Board members should not profit from their position on theBoard, from parking spaces worth $5,000 to 15,000 a piece to rea] estate steering, toa $700,000 yearly budget with no transparency or accountability. I believe thatmany of the Board members and their friends do not pay for maintenance work andremolding work, done in their units. I have first hand knowledge that some paydirectly to Read Blasi, for maintenance work done in their units and this moneyshould all go toward the association funds. I believe that is why they will notprovide HOmeOV'I'IlerSor other BOARD members a list of units with date of serviceand amount charged for maintenance service. I believe that the Harbours Board

have sold or given parking spaces to their friends that belonged to otherHomeowners and the Homeowner's Association. Handicapped parking spaces havebeen sold, painted over and when Homeowners ask, they get their vehiclesvandalized or harassed. Tim Agee is a homeowner and is in a wheel chair, andwhile he lived at the Harbours, he parked in a Handicapped Association parkingspace 101, now he has been trying to sell his unit along with his deeded parkingspots 118 and 119. I believe that Kevin Zipperle told Agee that the Board does notrecognize him as the owner of those parking spaces that are on his deed and they donot care what is recorded at the courthouse. Zipperle said if Agee or his rentersparked in 118 or 119 they would be towed. Cindy Richards called the title attorneyand tried to have them change Agee's Deed, over to her friend, Dottie Branham forparking spaces 118 and 119 and Mary Fondrese, from the title company, refused,stating that Richards did not have Agee's permission. 1believe Zipperle offeredAgee the association parking spot 101, in exchange for 118 and 119, and Ageerefused knowing that 101 belongs to the Harbours Association, 1believe we need tocorrect these fraudulent scams.

(

I attended the 2006 annual Harbours election where-s heard Cindy Richards,the Manager, state to some very disgruntled homeowners, "I have control of 51% ofthe proxy votes in my hand, and we can vote on whatever you .want tonight". 1found this to be very alarming, so after the meeting, 1read the Harbours Bylawsand decided that we needed to have an election where all the ballots were mailed out

d .and counted by a 3r party. In 2007, I called over 100 Harbour Homeowners andfound that some were extremely afraid of retaliation when they voted, because thevotes were counted in the office where the Board and the Manager could view theseballots.

I had a Special Harbours Election Meeting called, where over 92 brave andscared Homeowners out of 184 units, signed up to remove the Harbours Board ofDirectors and elect a new Board. I believe due to serious voter irregularities, suchas 2-3 votes heing cast per one unit, per the CPA, illegal Designated Voters, the voteto remove the board did not pass. I feel there is voter fraud and that the Board andthe Manager have become the Designated Voter for units illegally; when our Bylawsclearly state that you must be the owner of that unit to be the Designated Voter. Weneed transparency and accountability at the Harbours instead of criminal actions,delays and confusion.

Last year Homeowners afraid for my safety installed a camera in my door toprotect me. These same Homeowner will not allow their adult daughter to live atthe Harbours because he is afraid for her safety.

Many people, and officials across Jeffersonville and other areas areconcerned with what is going on at the Harbours. I was contacted by IndianaLegislator Phil Hinkle, to testify in Indianapolis, on a Homeowners Association Bill,HR1088; he is trying to pass this Bill to protect the rights of the Homeowners inAssociations.

..' ..

I would like the prosecutor to investigate and follow the money trail and alsofor the court to appoint a 3rd party mediator or administrator, to run the entireHarbours operations, in order to resolve this criminal behavior, so Homeowners atthe Harbours do not have to live in constant fear. The serious slander, fear,harassment, intimidation, retaliation, steering, vandalism and theft at the Harboursneeds to stop immediately. It is escalating, and I believe due to the false statementsthat the Board tells Homeowners, and I am afraid for my safety and others. TheBoard refuses to ask Ken Quiggins to step down from the Board, after Quiggins wasarrested for theft. Quigglns-states that the Board told him to steal those documentsfrom my unit.

IT IS EXTREMELY IMPORTANT THAT THE BRAVE HOMEOWNERS THATHA VE STEPPED FORWARD TO MAKE THE STATEMENTS ATTACHED ARENOT SUBJECT TO RETALIATION BY THE BOARD OR STAFF AT THEHARBOURS. PLEASE, IF AT ALL POSSIBLE KEEP THEM ANONYMOUSUNTIL THEY NEED TO TESTIFY. IN 2008, SOME OF THE 92HOMEOWNERS WERE SERIOUSLY CONFRONTED, G~LLED, ANDHARASSED AFTER THEY SIGNED THE STATEMENT TO REMOVE THEBOARD AND GET A TIDRD PARTY TO MAIL OUT AND COUNT OURVOTES.

(

PLEASE HELP US AT THE HARBOURS TO PROTECT OUR CIVIL RIGHTSFROlYI THESE CRIMINAL ACTS AND BEHA VIOR, AND ASSIST THE CRIMEVICTIMS, LIVING IN FEAR, TO ALLOW MANY HOMEOWNERS TO lYIOVEBACK TO THEIR HOMES, AND TO CREATE A CONFIDENTIAL ANDDEMOCRATIC ELECTION PROCESS!

Signed_------'i:::......:·J~~'__t_"-_. -: _'~.L_''____--=-~~ Dated c!1 - .3~0 9

Subscribed and acknowledged before me by Vicki Hack on Febnoary 3, 2009.

~~~A.A4~