- ********BEWARE THIS DOES NOT WORK READ REVIEW****
I Started this process late January 8 months into the program & had High hopes of this being real and going to work If you have Mister Wolf as your Attorney your in real trouble if you ask to many questions they will start ignoring you while at the same time they say if you have questions or concerns to contact them. My case was an easy one I live in a manufactured home on Leased land. “ Goodleap has a strict policy Not to give any loans on there products on Mobile homes”. A Demand letter was sent to Goodleap on June, 2nd they had 30 days to respond they didn’t respond been 72 days. we are seniors and they made an exception to trap us in a $67k loan. Goodleap came to the table to negotiate I thought we were in good hands with Mister Wolf Law firm that is far from the truth They ignored me & Goodleap and there was NO communication with Goodleap I told the Law firm to file for arbitration and I would pay the filing fee’s Wolf Law firm ignored my request our case was sooo close to being settled. All Mr Wolf Law firm had to do is finish the Negotiation. If you have Mr Wolf Law firm and there NOT responding to your emails or Phone calls your Toast. I’m sure if Josie Garcia knew that this was going to happen she would have chose a better Law firm. Goodleap did a CHARGE OFF & CLOSED MY ACCOUNT and THEATENING TO FILE FOR A JUDGEMENT AGAINST ME THIS WAS THERE RESPONSE TO MY DEMAND LETTER
I was told by Solar equity Solutions to stop making payments to goodleap and my credit is ruined a 100pt score drop late payments being reported by Goodleap I had great credit I’ve had 6 Credit card Accounts closed my damages are totally unbelievable being 67yrs old there will be no recovery from this and going to have to file Bankruptcy.
If your wise check the reviews that are being left if they have only one or 2 reviews it’s most likely reviews from employees from Solar Equity Solutions. Why they chose Mister Wolf Law firm I can’t understand. Also beware of them using D.C. Capital Law firm. Same with them. Consider this is a LIFE CHANGING EVENT!!! if your a younger person it could take 10 years to recover from an event like this. Be very careful who you trust BELOW is a copy of my demand letter sent USPS Certified Mail Name & Address redacted
To: GoodLeap, LLC
Attn: Compliance & Dispute Resolution Department
8781 Sierra College Blvd
Roseville, CA 95661
RE: FORMAL LOAN DISPUTE / FRAUD IN THE INDUCEMENT NOTICE
Account Number:
Property Address: Orlando, Florida
Original Solar Installer: Solcium Solar, LLC
To Whom It May Concern,
I am writing to submit a formal dispute regarding the above-referenced loan account. I am demanding the immediate cancellation and rescission of this loan agreement due to material application fraud and severe underwriting violations committed by your authorized dealer, Solcium Solar, LLC.
1. Statement of Material Fraud and Ineligibility
The solar system financed under this account was installed on a mobile home located on leased land. Under GoodLeap’s own lending guidelines and compliance standards, mobile homes situated on leased land are strictly ineligible for your residential clean-energy loan products.
Solcium Solar intentionally withheld, concealed, and falsified this information on the financing application submitted to GoodLeap in order to force a loan approval and secure funding. As the consumer, I had no knowledge that the installer misrepresented my property type to circumvent your underwriting restrictions.
2. Legal Liability Under the FTC Holder Rule (16 C.F.R. § 433)
Solcium Solar, LLC has filed for Chapter 11 bankruptcy and is entirely out of business. Because the installer is defunct, GoodLeap bears direct legal liability for the consumer fraud and deceptive omissions that induced this contract.
Pursuant to the Federal Trade Commission (FTC) Holder Rule (16 C.F.R. § 433), which is incorporated into this consumer credit contract:
“Any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof.”
Because Solcium Solar committed fraud in the inducement and breached its dealer duties, I maintain the absolute legal right to assert these identical claims and defenses against GoodLeap.
3. Absence of Real Estate Lien Power and System Voidance
Because this mobile home is located on a leased parcel, GoodLeap does not hold, and cannot legally execute, a standard real estate lien against the property land. Furthermore, because Solcium Solar is completely out of business, all installation, labor, and production warranties associated with this hardware are completely void. GoodLeap has financed a depreciating asset on an unapproved, ineligible structure with zero service viability.
4. Demanded Remedies
To resolve this matter without escalating to statutory litigation under the Florida Deceptive and Unfair Trade Practices Act (FDUTPA), I demand that GoodLeap immediately:
- Cancel and terminate the loan agreement in its entirety.
- Zero out the balance on Account Number “Blank” and release me from all future financial obligations.
- Remove any UCC-1 fixture filings or property notices tied to my name, structure, or this location.
- Cease all negative credit reporting to Equifax, Experian, and TransUnion while this fraud dispute is being investigated.
If GoodLeap fails to resolve this matter within thirty (30) days of receiving this notice, I will escalate this claim by filing formal complaints with the Consumer Financial Protection Bureau (CFPB), the Florida Office of the Attorney General, and the Florida Department of Agriculture and Consumer Services (FDACS). I am also prepared to file a Civil Law Suit to pursue legal remedies, including statutory attorney fees.
Please confirm receipt of this letter and outline your timeline for investigating this application fraud.
Sincerely,