Case Detail: A-21-828840-C Nona Tobin vs. banks, debt collectors & attorneys

Back story of this David vs. Goliath fight

How did Nona Tobin lose the $500,000 house she inherited from Bruce Hansen? ”
How did Nona Tobin lose the $500,000 house she inherited from Bruce Hansen? was first published on 10/9/20 when Nona started trying (unsuccessfully) to use technology to level the playing field by naming and shaming.

“What happened after Sun City Anthem refused Nona’s 2017 offer to settle?”

“What happened after Sun City Anthem refused Nona’s 2017 offer to settle?” was published on 11/9/20 after Nona was subjected to four years of unwarranted, financially draining, and emotionally taxing litigation.

“The house that took over a life”

“The house that took over a life” was first published on SCAStrong.com on 1/14/18. Things have gotten considerably worse after three more years of grueling litigation.

Case Detail A-21-828840-C as of 4/10/21

Register of Actions as of 4/10/21 includes Red Rock’s complaint served on five defendants on 2/16/21; Nona Tobin’s 3/8/21 answer and counterclaim and crossclaim; four Tobin requests for judicial notice. On 4/9/21 Melanie Morgan filed an untimely answer for both Nationstar and Wells Fargo, but filed no counter-claims against Red Rock. Morgan did not answer Nona Tobin’s 3/8/21 cross-claim against her clients.
The instant case: Red Rock Financial Services filed an unwarranted interpleader complaint after unlawfully retaining the proceeds of the disputed HOA sale for over six years.
Red Rock did not face any liability, let alone liability for an amount that exceeded the proceeds unlawfully retained. Red Rock filed this complaint for the improper purpose of obstructing justice, i.e., trying to moot appeal case 82294 and to cover up the unlawful failure to distribute the proceeds of the sale in 2014 as mandated by statute. Five defendants were named when only one, Nona Tobin as an individual, has a recorded claim for the undistributed proceeds.
2013 Nevada law governing the distribution of proceeds after an HOA foreclosure sale was NRS 116.31164(3)
NRS-116.31164-3-2013. Red Rock and/or Steven Scow unlawfully retained the proceeds for over six years of this and many other foreclosures. There is nothing in this law that allows Red Rock to collect attorney fees or costs for filing interpleader. There are also provisions in the HOA bylaws that prohibit any funds collected on behalf of Sun City Anthem from being under the proprietary control of anyone other than the HOA Board of Directors
Red Rock’s interpleader prayer for relief is duplicitous as Red Rock conducted a fraudulent sale, and with no legal authority, kept virtually all the money for years.
2/3/21 Red Rock’s Complaint for 1 cause of action: interpleader
2/16/21 Red Rock Complaint was served on 5 defendants

2/17/21 Affidavit of service on Nona Tobin, as trustee of the Gordon B. Hansen Trust, dated 8/22/08

2/17/21 Affidavit of service on Nona Tobin, an individual

2/17/21 Affidavit of service vs. Nationstar Morgage LLC

2/17/21 Affidavit of service on Wells Fargo, N. A.

2/17/21 Affidavit of service on Republic Services, Inc. (garbage)

2/17/21 Republic Services filed a disclaimer of interest within 24 hours of service

2/17/21 Republic Services Disclaimer of Interest

Within 24 hours of service on Republic Services’ commercial agent in Carson City, an attorney in Las Vegas filed a Republic Services’ disclaimer of interest. According to the statute, Red Rock was required to distribute the sale proceeds to junior lien holders in 2014. Red Rock did not distribute the proceeds and so the three-year statute of limitations on statutory liens, Republic Services had already released its two liens in 2017. Given how very, very many times Red Rock has pulled this stunt, one would think Republic Services would have at least a little reluctant to disclaiming interest.

No defendant timely answered Red Rock or filed any counter-claims or cross-claims except Nona Tobin as an individual

3/8/21 Nona Tobin’s answer, affirmative defenses, counter-claim vs. Red Rock and cross-claims against Nationstar and Wells Fargo
Nona Tobin’s 3/8/21 counter-claim against Red Rock has five causes of action: 1) distribution of the proceeds to Tobin plus interest & penalties; 2) unjust enrichment/conversion; 3) Fraud; 4) Alter ego -piercing the corporate veil; 5) Racketeering.

Nona Tobin’s 3/8/21 cross-claim against Nationstar and Wells Fargo includes three causes of action: 1) Racketeering, 2) Unjust enrichment/conversion; and 3) Fraud.

As of 4/11/21, no counter-defendant nor cross-defendant has filed a responsive pleading to refute Tobin’s claims against them.

Exhibits to Nona Tobin’s 3/8/21 counter-claims and cross-claims

  1. APN 191-13-811-052 Clark County Property Record and allegations of fraud vs. all opposing parties
  2. the sale was void for rejection of assessments.
  3. The alleged default was cured three times,
  4. SCA Board did not authorize the sale by valid corporate action
  5. Required notices were not provided, but records were falsified to cover it up
  6. SCA Board imposed ultimate sanction with NO due process 
  7. Neither BANA nor NSM ever owned the disputed DOT
  8. Examples of RRFS corrupt business practices
  9. Attorneys’ lack of candor to the tribunal
  10. the proceeds of the sale were not distributed pursuant to NRS 116.31164(3) (2013)
  11. RRFS’s fraud, oppression & unfairness
  12. attorney interference in the administration of justice
  13. lack of professional ethics and good faith
  14. Presented false evidence to cover up crime
  15. Civil Conspiracy to cover up racketeering warrants punitive damages
  16. Republic Services lien releases
  17. Nona Tobin’s standing as an individual
  18. Relevant statutes and regulations
  19. RELEVANT HOA GOVERNING DOCUMENTS PROVISIONS
  20. Administrative Complaints related to the APN 191-13-811-052 title dispute
  21. Nevada court cases related to the APN 191-13-811-052 title dispute
  22. Excerpts of 1/31/17 cross-claim vs. HOA and its agents

Nona Tobin’s 3rd party complaint against six attorneys was filed on 3/22/21 but has not yet been served.

3/22/19 Nona Tobin’s third-party complaint
Six causes of action and claims for relief, damages and sanctions were filed against attorneys as individuals rather than against their clients.

Nona Tobin’s Requests for judicial notice

3/15/21 RFJN Clark County official property records for APN 191-13-811-052

  1. 2003 recorded claims
  2. 2004 recorded claims
  3. 2007 recorded claims
  4. 2008 recorded claims
  5. 2012 recorded claims
  6. 2013 recorded claims
  7. 2014 recorded claims
  8. 2015 recorded claims
  9. 2016 recorded claims
  10. 2017 recorded claims
  11. 2019 recorded claims
  12. 2020 recorded claims
  13. 2021 recorded claims

4/4/21 RFJN Unadjudicated claims & administrative complaints

Nona Tobin’s administrative complaints
  1. 1/28/21 NCJD complaint to the Nevada Commission on Judicial Discipline vs. Judge Joanna Kishner
  2.  “Recommendation to the Nevada Commission on Judicial Discipline
  3. 3/14/19 AG complaint vs. Nationstar & Jimijack Irrevocable Trust
  4. 11/10/20 2nd AG complaint vs Nationstar; Akerman; Wright Finley Zak; Bank of America
  5. 12/16/20 complaint to the Mortgage Lending Division vs. Nationstar; Akerman; Wright Finley Zak; Bank of America
  6. 2/14/21 complaint to the State Bar of Nevada vs. Joseph Hong
  7.  2/16/21 complaint to the State Bar of Nevada vs. Brittany Wood
Nationstar’s and Nona Tobin’s unadjudicated civil claims in prior proceedings. No other party filed any claims.
Nationstar’s dismissed its claims without adjudication
  1. Nationstar’s 1/11/16 A-16-730078-C complaint Nationstar vs. Opportunity Homes
  2. Nationstar’s 6/2/16 AACC answer, affirmative defenses and counter-claim vs. Jimijack
Nona Tobin’s unadjudicated pleadings in prior proceedings
  1. Summary of Nona Tobin’s unadjudicated pleadings
  2. Nona Tobin’s unadjudicated claims vs. Sun City Anthem
  3. Nona Tobin’s unadjudicated claims vs. Jimijack
  4.  Nona Tobin’s unadjudicated claims vsYuen K. Lee dba F. Bondurant LLC
  5. Nona Tobin’s unadjudicated claims vs. Thomas Lucas dba Opportunity Homes LLC
  6. Nona Tobin’s unheard 8/7/19 quiet title & equitable relief, unjust enrichment & abuse of process complaint
Nona Tobin’s unadjudicated district court motions
  1. 3/3/17 Nona Tobin’s unheard motion to void the sale for statutory non-compliance
  2. Nona Tobin’s unheard 4/10/19 motion for summary judgment vs. Jimijack Irrevocable Trust
  3. Nona Tobin’s unheard 4/10/19 motion for summary judgment vs. all parties
  4. Nona Tobin’s unheard 4/24/19 motion to vacate 4/18/19 order pursuant to NRCP 60(b)(3) and motion for summary judgment
  5. Nona Tobin’s unheard 6/17/19 motion to intervene as an individual
  6. Nona Tobin’s unheard 7/22/19 motion for a new trial pursuant to NRCP 54(b) and NRCP 59(a)(1)(A)(B)(C)(F)
  7. Nona Tobin’s unheard 7/29/19 motion to dismiss for lack of jurisdiction pursuant to NRS 38.310(2)
Orders that disposed Nona Tobin’s claims without any evidentiary hearings
  1. 8/11/17 order granting Opportunity Homes’s motion for summary judgment vs Nona Tobin and the Hansen Trust that was unfairly filed after order denying Opportunity Homes’s motion for summary judgment vs. Nationstar was entered on 6/22/17.
  2. 9/20/17 stipulation and order to dismiss Nona Tobin’s and the Hansen Trust’s 1/31/17 cross-claims, except for quiet title, and withdrawing her 3/3/17 motion to void the sale and SCA’s 3/31/17 opposition thereto pending the completion of NRS 38.310 mediation
  3. 4/18/19 order that granted SCA motion for summary judgment as to the Hansen Trust’s quiet title cause of action and Nationstar’s joinder
  4. 5/31/19 order denying motion to reconsider 4/18/19 order
  5. 6/24/19 order granting quiet title to Jimijack who had no deed, denying all the Hansen Trust’s claims, not just quiet title, expunging Nona Tobin’s lis pendens, and declaring the ruling binds non-party Nona Tobin as an individual
  6. 9/4/19 order that denied Nona Tobin the right to appeal as an individual
  7. 11/22/19 order that formalized Judge Kishner’s 4/23/19 striking of all Nona Tobin’s individual claims and motions from the court record unheard and expunged her lis pendens
  8. 4/30/20 order that denied Nona Tobin any right to appeal the 11/22/19 order that declared her a non-party, as an individual, but which bound her to the rulings that excluded her and struck her filings unheard from the court record
  9. 10/8/20 order that sanctioned Nona Tobin $3,455 to Joel A. Stokes’s attorney pursuant to EDCR 7.60 (1) and/or (3) for filing the A-19-799890-C complaint on 8/7/19, one week before the five-year statute of limitations, after being denied access to the A-15-720032-C 6/5/19 trial.
  10. 11/17/20 order that sanctioned Nona Tobin $8,849 pursuant to NRS 18.010(2) on the grounds that her filing the A-19-799890-C complaint on 8/7/19, one week before the five-year statute of limitations, was unwarranted and for the sole purpose of harassing Quicken Loans & Brian & Debora Chiesi who recorded claims adverse to Tobin on 12/27/19 while Tobin had two recorded lis pendens.
  11. 12/3/20 order that dismissed all Nona Tobin’s claims unheard pursuant to NRCP 12(b) (5), on the grounds of non-mutual claims preclusion, and NRCP 12(b)(6) for failure to join the HOA as a necessary party regarding the distribution of the excess proceeds.
Nona Tobin’s pending appeals before the Nevada Supreme Court or the Court of Appeals
  • 79295 Gordon B. Hansen Trust vs. Jimijack, Nationstar, Sun City Anthem, Yuen K. Lee dba F. Bondurant LLC
  • 82094 Nona Tobin vs. Joel & Sandra Stokes as trustees of Jimijack, Jimijack Irrevocable Trust & Joel A. Stokes, an individual
  • 82234 Nona Tobin vs. Quicken Loans LLC and/or Inc. & Brian & Deborah Chiesi
  • 82294 Nona Tobin vs. Red Rock Financial Services, Joel & Sandra Stokes as trustees of Jimijack, Jimijack Irrevocable Trust & Joel A. Stokes, an individual, Quicken Loans LLC and/or Inc. & Brian & Deborah Chiesi

4/7/21 RFJN Relevant laws and regulations

4/9/21 RFJN evidence and disputed facts in the court record

Exhibit 1: ENTERED BY JOSEPH HONG (NV BAR #5995) FOR JIMIJACK IRREVOCABLE TRUST

12/05/18 Hong response to Tobin interrogatories was all the evidence in the record to support Jimijack’s title claims

Exhibit 2: ENTERED BY MELANIE MORGAN (NV BAR #8215) NATIONSTAR MORTGAGE
EXHIBIT 3: DAVID OCHOA PROFFERED FOR SUN CITY ANTHEM
EXHIBIT 4: NONA TOBIN & THE HANSEN TRUST PROFFERED EVIDENCE
EXHIBIT 5: RED ROCK FINANCIAL SERVICES RESPONSE TO TOBIN SUBPOENA
EXHIBIT 6: BERKSHIRE HATHAWAY RESPONSE TO TOBIN SUBPOENA
EXHIBIT 7: NEVADA LEGAL NEWS RESPONSE TO TOBIN SUBPOENA
EXHIBIT 8: DISPUTED MATERIAL FACTS ENTERED BY RED ROCK & SUN CITY ANTHEM
EXHIBIT 9: DISPUTED MATERIAL FACTS PROFFERED BY NATIONSTAR MORTGAGE

Nationstar evidence was not examined

4/9/21 Nationstar & Wells Fargo filed an answer to Red Rock’s 2/16/21 complaint

Nationstar and Wells Fargo deceptively failed to admit that neither of them have a recorded claim for the proceeds. Nationstar and Wells Fargo failed to file a disclaimer of interest so the proceeds could go properly to Nona Tobin for the improper purpose of covering up Nationstar’s fraudulent conduct in relation to the Hansen deed of trust.
Melanie Morgan knows that the proceeds must be distributed ONLY to Nona Tobin because Wells Fargo’s liens were released on 3/30/17 and Nationstar as part of a fraudulent deal with Joel Stokes, released the lien of the Hansen deed of trust on 6/3/19.

Nona Tobin’s Pending Appeals of cases A-15-720032-C and A-19-799890-C

Prior 8th Judicial District Court actions

Case summary A-15-720032-C
Link to 29-page case summary
Register of Actions A-16-730078-C (consolidated in 2016 when Nona Tobin filed a motion to intervene)
Link to full 2-page case summary annotated
Case summary A-19-799890-C

8/7/19 Nona Tobin’s complaint

The complaint was filed on 8/7/19 by Nona Tobin, Pro Se, in order to beat the 8/14/19 five-year statute of limitations. Causes of action: Quiet title & equitable relief (against all defendants), Cancellation of instruments; Unjust enrichment (against. Red Rock, Koch & Scow, Joel Stokes & Nationstar); Abuse of process (against Joseph Hong, Melanie Morgan, and David Ochoa)

6/3/20 Nona Tobin’s 1st amended complaint

Tobin hired an attorney who amended the complaint to narrow the issues to three claims for relief: Quiet Title (against all defendants); Unjust Enrichment (against Brian & Debora Chiesi, Joel Stokes, Jimijack irrevocable Trust, Red Rock Financial Services & Nationstar); Declaratory Relief (as to all defendants)

The abuse of process cause of action against the attorneys whose fraud on the court prevented adjudication of Tobin’s claims in the prior proceedings was bifurcated, on the advice of counsel, since it judges don’t like it when the attorneys are named as the culpable party vs. their clients.

9/6/20 order (NEOJ 10/8/20) to sanction Nona Tobin $3,455 for filing the complaint payable to Joseph Hong

Link to 9/6/20 order & 10/8/20 notice of entry of order to sanction Nona Tobin $3,455 for filing the complaint payable to Joseph Hong

11/17/20 order to sanction Nona Tobin $8,949 for filing the complaint payable to Brittany Wood

Order granted attorneys fes and costs pursuant to NRS 18.010(2) on the grounds that Nona Tobin’s filing this quiet title complaint was unwarranted and “was brought or maintained without reasonable ground or to harass the prevailing party.”

12/3/20 order of dismissal with prejudice and expungement of lis pendens as if never recorded

Red Rock’s motion to dismiss was filed pursuant to NRCP 12(b)(5) failure to state a claim by the legal doctrines of non-mutual claims preclusion and res judicata) and NRCP 12(b)(6) failure to join the HOA as a necessary party to protect its alleged interest in the undistributed proceeds of the 2014 HOA sale. Judge Johnson granted the joinders of all other defendants, regardless of whether or not they were parties to the prior proceedings or when they recorded adverse claims to Nona Tobin.
Link to 10-page case summary
Link to 10-page case summary

Combined case summaries annotated

Red Rock foreclosure file is false, falsified & fraudulent

Sun City Anthem misrepresented the record

Link to bookmarked SCA 176-643 Red Rock Foreclosure File disclosed by Sun City Anthem in 2018.

SCA misrepresented the Red Rock foreclosure file to Judge Kishner as if it represented the true, accurate, and complete records of the foreclosure of 2763 White Sage, despite SCA attorneys knowing full well that the file was the debt collector’s unverified, uncorroborated version of revisionist history.

SCA attorneys were not representing the interests of the HOA when they disclosed Red Rock’s fraudulent documents. SCA attorneys presented to the court Red Rock’s fantasy version of reality that was explicitly contradicted by SCA’s official, verified records of the enforcement actions taken in secret by the HOA Board between 2012-2014.

SCA attorneys withheld, concealed, and/or misrepresented the HOA’s official records related to this foreclosure and a dozen other foreclosures in the same time period.

Link to “SCA Board secretly sold a dozen houses in 2014
Link to “SCA Board did not properly authorize any foreclosures conducted by Red Rock Financial Services

Links to A-15-720032-C motions and orders that relied on the disputed Red Rock foreclosure file disclosed by SCA as SCA 176-643 are listed below.

Red Rock Foreclosure File as SCA 176-643 as SCA attorneys produced it.

Links to Tobin’s evidence disputing material facts in the Red Rock foreclosure file, stricken or ignored by Judge Kishner, are listed below.

Steven Scow produced Red Rock foreclosure file in response to Tobin 2/4/19 subpoena

RRFS 001-425 Red Rock foreclosure file as Steven Scow produced it was not properly verified as being a true, accurate and complete record contemporaneously produced by a person in the normal course of her occupation.

2/4/19 Tobin subpoena to Red Rock requested these documents

Steven Scow provided RRFS 001-425 that was deceptive, inaccurate, and incomplete with the obvious
mens rea and the specific intent to conceal the wrongdoing of his clients.
Steve Scow withheld all documents requested in items 4,5, and 6. The proofs of service provided in response to item 2 did not include any proofs of service for any of the notices that Tobin disputes were sent.

Disputed facts in Red Rock foreclosure file

9/17/12 SCA 642 RRFS letter to 2664 OH SCA 643 to 2763 notice of intent to lien – Tobin has no recollection nor Proudfit any record of this. No proof of service though alleged to se sent certified. Demanded $617.94 when it is undisputed that the account was PIF on 6/30/14. See SCA 642 and SCA 643.

9/20/12 SCA 628 120920 SENDER’S copy of hearing notice SCA sent to 2664 Olivia Heights could not have been sent by Tobin to RRFS as alleged in 2/5/19 MSJ See SCA 628, SCA 635,

9/20/12 SCA 635 is duplicate of SCA 628 also alleged to be sent to 2664. No allegation that the notice was sent to 2763. No allegation that the hearing was actually ever held. See SCA 628, SCA 635,

10/18/12 See SCA 618 Payment Allocation Detail. Check 143 was applied to pay assessments from 7/1/12-9/30/12, but also called a “partial payment”

10/8/12 SCA 626 “CORRESPONDENCE RECEIVED” SCA claimed the sender’s copy of the hearing notice was sent to RRFS by Tobin which is impossible.

SCA duplicated and misrepresented this document to falsely imply that SCA had complied with the notice requirements in SCA CC&Rs 7.4 prior to imposing the sanction of permanent revocation, rather than temporary suspension, of member benefits, for the alleged violation of the governing documents of delinquent assessments.

There was no hearing on 10/10/12 or any other date because check 143 cured the delinquency. Assessments were paid through 9/30/12. No other notice like this was ever sent and none of the other steps of due process required were ever provided. This “sender’s copy was NOT attached to Tobin’s 10/3/12 letter to the HOA that transmitted check 143.
SCA misrepresented this letter to claim it was evidence that Tobin was not entitled to any relief because it meant that she had unclean hands.

11/5/12        11/5/12 SCA 620 “Correspondence Response to Homeowner

12/13/12      12/13/12 P/O DEMAND RECEIVED SCA 615

12/20/12      12/20/12 P/O DEMAND SENT See SCA 603

1/3/13          1/3/13 SCA 587 “LIEN SENT TO OWNER“. See annotated SCA 591-592

1/9/13          1/9/13 SCA P/O DEMAND RECEIVED See SCA 586

1/16/13 SCA 578 “P/O DEMAND SENT” See SCA 579

3/7/13          3/7/13 SCA 572 Send NOD to Title Company

4/2/13          SCA 378 Endorsement, effective 4/2/13, relates to 9/23/13 Republic Lien and “plant date of 2/5/14”?? Unclear

4/4/13          4/4/13 SCA SCA 552 NOD Notice of Rescission

4/16/13        4/16/13 SCA 525 “Payoff Demand Received

See SCA 513-530 to see how SCA handled the rejection of the Miles Bauer tender .

Note that check 143 paid the assessments from 7/1/12-9/30/12.

See SCA 618Association Allocation Detail” and #13 on Page 4 of 4/17/19 order that states “payment was applied to the July 1, 2012 Quarterly Assessment and the Late Fee due on July 31, 2012.

The foreclosure deed recitals are false because they state that the default began on 7/1/12. The association detail shows that Red Rock knew the proper way to account for payments according to NRS 116A.640(8), but simply chose to ignore the law and keep two sets of books.

Therefore, the Miles Bauer $825 tendered on 5/9/13 satisfied the debt of $825 assessment due and payable for the quarters from 10/1/12 to 6/30/13.

Nationstar relied on this to commit its fraud on the court. Nationstar was never Bank of America’s successor in interest as the beneficiary of the disputed Hansen deed of trust. Nationstar rescinded that 12/1/14 fraudulent claim on 3/8/19. Further, Nationstar concealed SCA 302 which is clear proof of its specific intent to steal this property from Nona Tobin.
5/10/13 rejection of the $825 tendered was sufficient to void the entire sale. RRFS covertly rejected this tender without legal authority. $825 was the exact amount of assessments that were then delinquent. The 5/16/13 entry implicates the attorneys as co-conspirators.

The only remaining debt at the time of the Miles Bauer tender were fines: $75 late fees authorized by the SCA Board as a fine for non-payment of installments within 30 days of their due date and whatever fines RRFS-added on their own initiative. An HOA cannot foreclose if the assessments are brought current and only fines, including collecting fees remain.

NRS 116.31162(5)(2013) prohibits the HOA from foreclosing on fines or penalties. See Nationstar Mortgage LLC vs. Saticoy Bay LLC series 2227 Shadow Canyon, 133 Nev. Advance Opinion 91, 405 P.3rd 641 cited in 4/17 order. See #1 irregularity cited by NSM, page 9.

4/17/13        4/17/13 SCA 527 Request reviewed

4/30/13        4/30/13 SCA payoff Demand Sent

5/16/13        5/16/13 SCA Payoff Demand Received

5/29/13        5/29/13 SCA 504 payoff Demand See SCA 504

8/15/13        8/15/13 See SCA 491 for notice sent to 2664

8/15/13        SCA 401 is an envelope addressed to 2763 White Sage that was stamped on 8/15/13 “deceased”. There is no such envelope for the letter RRFS alleged in SCA 287 was sent to 2763 White Sage on 7/2/14. This is the 7/2/14 letter that RRFS claims was sent to notify the owner that the waiver request RRFS sent to the SCA Board on 6/9/14 was denied.

See SCA 401-403

8/15/13        SCA 403 is an envelope addressed to 2763 White Sage that was stamped on 8/15/13 “Return to sender Not deliverable as addressed. Unable to forward.”. There is no such envelope for the letter RRFS alleged in SCA 278 was sent to 2763 White Sage on 7/2/14. This is the 7/2/14 letter that RRFS claims was sent to notify the owner that the waiver request RRFS sent to the SCA Board in SCA 295 on 6/9/14 was denied.

10/16/13      10/16/13 SCA 450 “Followed Up POP

10/16/13      SCA 468 RRFS “Homeowner Progress Report” to 10/16/13 does not show any BOD approval. See 468 is duplicated in annotated SCA 415-416 Homeowner Progress Report to 01/3/14.

1/3/14          1/03/14 SCA 407 Followed Up POP

1/3/14          SCA 406 “Permission for publication of foreclosure sale and authority to conduct foreclosure sale”, RRFS form letter signed by Dan Folgeron on 1/9/14. According to this form, RRFS had the ability to move the sale date without specific instruction from the BOD.

Note that this contradicts SCA 377 and SCA 407.

By RRFS being able to unilaterally move a sale date, RRFS can suppress bidding, particularly when this is compounded by RRFS giving the SCA BOD the false instruction that

The Board of Directors agrees that in the event that the homeowner makes any claim regarding the loss of its property through this foreclosure action, the association shall have the exclusive duty to defend and to pay all defense costs of all such claims...”.

More importantly, it violated the 4/27/12 RRFS debt collection contract Indemnity clause on page 3, #7 of the RRFS-SCA contract signed on 4/27/12. Both RRFS and SCA refused to produce this contract in discovery. SCA deceptively disclosed the inapplicable 2007 contract that does not contain the provision that RRFS must indemnify SCA.

SCA homeowners have been forced to pay over $100,000 in costs that contractually were the responsibility of RedRock.

1/3/14          RRFS transmittal memo to SCA, dated 1/3/14, gave Permission for Publication packet to SCA BOD which contained the sentence. “If the Board does not want to proceed with the foreclosure sale please return the packet unsigned.” Note that there are multiple unsigned documents in SCA 176-643. Note also that there is no Board decision to proceed or not in any Board minutes.

See “SCA Board secretly sold a dozen houses in 2014
See “SCA Board did not comply with HOA meeting laws

1/3/14          SCA 415 RRFS “Homeowner Progress Report” from 9/13/12 -4/10/13

1/3/14          SCA 416 RRFS “Homeowner Progress Report” from 4/10/13 – 1/3/14. Note neither RRFS nor SCA disclosed this form for the period from 1/3/14 – 8/15/14 when RRFS sold the property without notice after the property had already been sold on auction.com on 5/8/14.

1/9/14          SCA 377 and SCA 407 Dan Folgeron signed  RRFS form” Association Foreclosure sale Approval” for “Property Address” Dan wrote in “All twelve properties attached”. Neither SCA nor RRFS listed the properties nor was there any attachment.

NO SCA BOARD APPROVAL OF THE SALE IS ON ANY AGENDA.

1/9/14          SCA 407 Dan Folgeron signed  RRFS form” Association Foreclosure sale Approval” for “Property Address” Dan wrote in “All twelve properties attached”. Neither SCA nor RRFS listed the properties nor was there any attachment. This is a duplicate of SCA 377. According to the box checked RRFS was not given authority to postpone the sale without discussing with the Board.

1/10/14        1/10/14 SCA 405 “Board Approved POP” is contradicted by the HOA records that were concealed in discovery.

1/29/14        1/29/14 SCA 389 “Supporting Documents

2/11/14        SCA 382- 384 disclosed the Resident Transaction Report from 1/1/6-2/11/14. SCA refused to disclose the Resident Transaction Report when requested in discovery. The part that shows the RTR does not include any indication that the property was foreclosed, that $63,100 was collected for the sale, or that there were any other owners between Hansen and Jimijack, shows in the time period after 2/11/14.

See Resident Transaction Report Page 1334-1339 that was provided in response to Nona Tobin’s records request to CAM Lori Martin in May 2016.

2/24/14        2/24/14 SCA 338 Invoice (Priority Posting)

See “Deceptive disclosures: SCA Board 12/5/13 meeting vs. SCA 315 & RRFS 128

2/27/14 See SCA 315 President signed that Board approved 3/7/14 sale on 12/5/13 by BOD resolution [R05-120213]. See pg. 2 12/5/13 SCA BOD minutes for [R05-120213].

2/27/14        There is a 2/27/14 email on the bottom of SCA 332 that informs them that she received a request from the realtor for a reduction in fees because the owner is dead and there is no money left in the estate. See annotated SCA 332.

This was Craig Leidy’s only request. SCA and RRFS misrepresent this to cover up SCA 302 and SCA 295.

3/4/14 See SCA 324-325 email Leidy-RRFS Marling exchange where Leidy had asked for a copy of the fees and to speak to the Board about a fee reduction. Marling says she’ll let him know if they want him to attend.

3/3/14          3/3/14 SCA 336 priority posting confirmations

3/4/14          3/04/14 SCA 329 “Sale Postponed

3/4/14          SCA 332 (top) is a 3/4/14 email from RRFS to Gary Leopold, FSR employee serving as the SCA CAM, to state that she had received a request from the 3/7/14 sale was postponed to 4/8/14. There is a 2/27/14 email on the bottom of the page that informs them that she received a request from the realtor for a reduction in fees because the owner is dead and there is no money left in the estate. See annotated SCA 332.

3/7/14          3/7/14 “Request Form sent to Board

3/18/14        3/18/14 “Payoff Demand Received

3/18/14        SCA 312-13 Chicago Title payoff request

3/18/14        SCA 310 contains two emails dated 3/18/14 which clearly indicate RRFS received a request for payoff figure on 3/18/14, but the SCA BOD was scheduled to review Leidy’s requests at the 3/27/14 meeting. Note RRFS and SCA both failed to disclose the 3/28/14 RRFS response to Chicago title in which the ledger shows that the SCA BOD approved a $400 fee waiver on Page 6. This fee waiver is not included in SCA 255, RRFS account detail that allegedly was accurate and complete from 2/11/14-8/15/14.

This 3/28/14 RRFS payoff demand was concealed in discovery. Both SCA and RRFs produced the false evidence of doctored ledgers as shown below.

3/28/14        SCA 277 Undated email RRFS to Leidy “Please see response regarding the settlement request for $1000.00” (Note there was no settlement request for $1000. Leidy did not receive this. Not clear what was supposedly attached as it does not relate to the 6/5/14 email Leidy sent to RRFS to forward the NSM 5/28/14 offer.

5/6/14          5/6/14 “Supporting Documents

5/13/14        5/13/14 “Sale Postponed

5/15/14        SCA 307 is an unsigned approval form to conduct the sale on 5/15/14. Note there was no BOD approval in SCA 176-643 to conduct the sale on 5/15/14, the date that the Ombudsman received notice that the 5/15/14 sale was cancelled as the owner was retained.

5/15/14        SCA 308 is another email alleging final approval of the 5/15/14 sale from which the date has been scrubbed and there is no signature

5/28/14        5/28/14 SCA 302 NSM Equator message to Leidy “please be advised the max I will be able to pay the HOA is $1100”

Nationstar concealed this in discovery. RRFS was obviously complicit as can be seen by SCA’s fraudulently misrepresenting it to the SCA Board in SCA 295 as an owner request for waiver.

5/28/14        5/28/14 SCA 302 NSM Equator message to Leidy that was mischaracterized by SCA/RRFS as a non-existent new request from Leidy. See SCA 277. See also SCA 295 and SCA 276

6/5/14        SCA 277 Leidy forwarded NSM’s 5/28/14 offer (SCA 302) but SCA concealed it at the bottom of the page

SCA 277 and RRFS 095 are how this doctored evidence was produced.

6/9/14          SCA 275 “Request Sent to Board

6/26/14        SCA 276 Jean Capillupo signed the 6/9/14RRFS waiver form from SCA 295. 6/26/14 SCA 276 (Signed 6/9/14 RRFS Form “Waiver or Reduction in Fees” found in SCA 295. Note no BOD response to SCA 302 was disclosed.

7/2/14          SCA 275 “7/2/14 Received Board response

7/2/14          SCA 278 alleges RRFS sent a letter to 2763 stating the BOD “has denied your request for a settlement of $1,000.” SCA 279 is a blank owner request form. SCA 280-285 is a ledger. SCA/RRFS did not produce any proof of service. No RTS like in SCA 401-405. Tobin has said under oath she never received this. Tobin-Leidy emails never mention it.

RRFS lied about sending this letter and the one in SCA 286 to Tobin’s residence and there are many documents that prove the falsity of this claim beyond the fact that neither RRFS nor SCa disclosed any proofs of service.

See also SCA 286 alleges RRFS sent a letter to 2664 OH stating the BOD “has denied your request for a settlement of $1,000.” Tobin has said under oath she never received this. Tobin-Leidy emails never mention it or the ledger in SCA 287-292. Obviously, she never signed the blank owner request form in SCA 287 and SCA 279.

7/2/14          SCA 280-285 RRFS allegedly sent this ledger to Tobin at 2664 Olivia Heights Ave and to the vacant property at 2763 White Sage. There are no proofs of service. There are no returns to sender like RRFS got when a notice was sent to the vacant property on 8/15/13 (See SCA 401 and 403. Notably, RRFS does not charge for any collection activity, any mailings, any sale guarantee, nothing after 2/11/14.

See annotated SCA 275- SCA 293. There is no document that shows how NSM was informed that SCA 302 was rejected.

Also, see on SCA 285 RRFS did not charge $150 to produce pay off figures requested by Chicago Title on 3/18/14 (SCA 310). RRFS and SCA both concealed that RRFS demanded $3,055.47 in a letter to Chicago Title, dated 3/28/14. SCA 285 does not include the $400 fee waiver requested by Leidy and authorized by the SCA Board on 3/27/14 that is accounted for on pg 6 of the 3/28/14 demand.

8/1/14          8/1/14 Emails

8/5/14          SCA 271 Jean Capillupo signed to approve the sale of 2763 White sage subject to the conditions set forth in the permission for Publication of foreclosure Sale and Authority to conduct foreclosure sale. No record of any BOD action to authorize her signing this.

8/6/14          8/6/14 “Supporting Documents

8/15/14        SCA 242 Sent at 10:12 AM to report to Christie Marling, RRFS, that the property had been sold at an auction conducted at 10:11 AM at which three people allegedly bid and 45 people were in attendance

See SCA 250-262 for RRFS account detail as of 8/15/14 (SCA 250-255), RRFS attempts to rectify the numbers (SCA 256-259) and Resident Transaction Report to 7/30/14 (SCA 260-262) all that fail to account for the $400 Board approved waiver)

8/15/14        SCA 250 RRFS account detail 1/1/06–6/25/08. not relevant

8/15/14        SCA 251 RRFS account detail 7/1/08-8/18/11 not relevant

8/15/14        SCA 252 RRFS account detail 10/1/11- 12/5/12

8/15/14        SCA 253 RRFS account detail 12/5/1 – 4/4/13

8/15/14        SCA 254 RRFS account detail 4/4/13 – 1/30/14

8/15/14        RRFS account detail 2/11/14 – 8/15/14. See annotated SCA 255 for major discrepancies with 3/28/14 RRFS demand pg. 6

8/15/14        SCA 274 is an email with the date scrubbed that alleges sale was approved and the amount due on 8/15/14 would be $5,738.68

8/18/14        8/18/14 SCA 228 deed sent to 3rd party

8/21/14        SCA 217 and SCA 224 $57,282.32 check #49909, made out to Clark County District Court on Red Rock Financial Services Trust Account 4775 W. Teco Ave suite 140 #121201694  153751166148. USBank 94-0169/1212

Steven Scow had no legal authority to retain the proceeds of the sale after Christie marling instructed him to interplead them. If not distributed according to NRS 116.31164(3)(2013), they should have been given to the HOA Board for distribution. SCA bylaws prohibit the HOA Board from delegating proprietary control of these funds to Red rock or to Scow.

8/28/14        SCA 223 and SCA 224 RRFS memo to Steve Scow, Koch & Scow, from Christie Marlow re Foreclosure excess funds “please have these funds interpleaded in regards to the below properties“. See SCA 223, SCA 224, SCA 217, and documents showing RRFS pattern and practice of retaining excess proceeds.

Steven Scow failed to distribute the proceeds of many sales. This is an example of a Spanish Trail foreclosure that was litigated in case A-14-710161-C. The proceeds wee not distributed until after the owner died, and it only happened then after five years of litigation.

Links to Other Documents Disputing RRFS file disclosed as SCA 176-643 and RRFS 001-425.

See post “RRFS claims vs Actual $$ Due

7/1/14-10/15/14 Tobin-Leidy emails (31 pages – No attachments)

February-October 2014 Tobin-Leidy emails (201 pages including attachments)

5/20/19 Proudfit DECL with 20 exhibits

3/5/19 Tobin OPPM SCA MSJ

Ombudsman Compliance Record for 2763 authenticated 4/15/19

RRFS concealed that notice was given to the Ombudsman that the sale postponed to 5/1514 was cancelled. RRFS never provided a deed to the Ombudsman within 30 days after the sale as required by NRS 116.31164 (3)(b) (2013). This was not an innocent error. It allowed the enforcement officials to be duped as there was no record that the 8/15/14 sale occurred without a published notice of sale in effect.

4/20/19 Tobin DECL in support of motion to reconsider (23 pages not filed vs 12 pages in attachment to 4/29/19)

4/29/19 Tobin/GBH Trust motion to reconsider NEO 4/18/19 order

5/23/19 TOC of Tobin Reply with links to 11 exhibits

5/23/19 Tobin filed Reply

5/13/19 Leidy DECL with exhibits (76-pages )

5/8/14 $367,500 sale to high bidder MZK.

7/25/14 Leidy post to MLS “I have worked out all other liens and this can close quickly”

3/28/14 RRFS $4,962.64 pay off demand to Chicago Title

3/28/14 ledger page 6 for $400 SCA BOD-approved $400 fee waiver that shows SCA 255 was falsified

This ledger was concealed in discovery and SCA 255 below shows why.
SCA 255 was also produced as RRFS 076. They both show that RRFS or Steven Scow falsified the accounts. See NRS 205.405  Falsifying accounts.

10/14/14 email excerpt re proceeds and lack of notice for the sale

8/13/14 Notice of Sanction was the only notice Tobin received related to 2763 White Sage after the 2/12/14 notice of sale was cancelled.

SCA concealed this and all other compliance documents related to 2763 White Sage.

See 9/14/16 email exchange where the HOA manager said a court order was required to provide any documents.

RRFS claims vs. actual $$ due

EXCESSIVE, UNAUTHORIZED & UNEARNED “COLLECTION COSTS” = ABUSIVE & PREDATORY COLLECTION PRACTICES

12/31/11Balance due Dec 31, 2011 was zero. See annotated Resident Transaction Report Page 1335.
1/1/12$275 Jan 2012 Qtr Assessment (1/1/12-3/31/12)
1/31/12$25 Late Fee Assessed. See 1/31/12 RMI Quarterly statement. Upon information and belief, the 1/31/12 statement assessments due and late fees due was the last such statement distributed to owners.
2/14/12Tobin’s Check 112, dated 2/14/12, paid $275 for quarter ending 3/31/12 plus $25 late fee
4/1/12$275 Assessments due for 4/1/12-6/30/12
4/24/12Tobin’s Check 127, dated 4/24/12, paid for quarter ending 6/30/12, so no late fee became due on 4/30/12.
6/30/12Page 1335 Resident transaction report shows assessments were current to 6/30/12.
7/1/12Foreclosure deed recitals falsely claim that no payments were made after 7/1/12. See 8/22/14 annotated foreclosure deed.
See 3/12/13 rescinded NODES
7/1/12$275 Assessments due for 7/1/12-9/30/12
7/31/12$25 Late fee assessed for 7/1/12-9/30/12 quarter 
8/17/12Tobin’s check 143, dated 8/17/12, paid $275 Assessments due for 7/1/12-9/30/12 and $25 Late fee assessed on 7/31/12, for 2763 White Sage Drive.
See annotated Resident Transaction Report Page 1335.
8/17/12Tobin’s check 143, dated 8/17/12, paid $275 Assessments due for 7/1/12-9/30/12 and $25 Late fee assessed on 7/31/12, for 2664 Olivia Heights.
See Resident Transaction Report Page 12859 
9/13/12SCA’s managing agent RMI referred the account to its subsidiary RRFS to initiate collections per RRFS log in SCA 415, RRFS’s log of “homeowner progress”
9/17/12On unsent 9/17/12 RRFS notice of intent to lien, RRFS claimed $617.94 was due when only $275 assessments and a $25 late fee were authorized for 7/1/12-9/30/12 quarter.
See SCA 642 and SCA 643.
9/17/12RRFS reported to the Board that the account was a potential write off of $321.51 SCA removed the RRFS collection reports from the SCA website after Tobin downloaded them in 2018.
See RRFS potential write off as of 9/30/12 for 2763 White Sage, RRFS account #808634
9/20/12SCA 628 and SCA 635 are the sender’s copy of certified letters, item number 71603901984964087011.

Both sender’s copies are stamped as received by RRFS on 10/8/12. SCA/RRFS did not disclose any proofs of service for SCA 628 and SCA 635.

Tobin has no record or recollection of ever receiving it. SCA alleged in its MSJ that Tobin had sent it to RRFS with a 10/3/12 letter she sent to SCA transmitting check 143 and Hansen’s death certificate. No evidence supports this claim.

All evidence supports that RMI sent SCA 628 and SCA 635 to RRFS at which time RRFS stamped them received. The effect of this was to unfairly impose unauthorized and unnecessary collection fees on the estate of a deceased homeowner without the executor’s knowledge.
9/20/12SCA 628 and SCA 635 are the same notice of hearing on 10/8/12 for temporary suspension of Gordon Hansen’s privileges for the alleged violation of the governing documents of delinquent assessments. SCA may have sent this notice. However, Tobin did not receive it. There never was a hearing on 10/10/12. Tobin’s check 143, dated 8/17/12, paid assessments through 9/30/12 are rendered it moot.
9/30/12$275 Assessments due for 7/1/12 – 9/30/12 quarter plus $25 late fee assessed on 7/31/12 were paid by $300 check 143
9/30/12In SCA 618, RRFS Allocation detail shows that check 143 was applied to pay the assessments and late fees due and payable through 9/30/12.
9/30/12Check 143 paid the account in full for the quarter 7/1/12-9/30/12. See SCA 618 which shows 
9/30/129/30/12 RRFS reported to the SCA Board that as of 9/30/12, account 808634 was a potential write off of $351.21.
See RRFS potential write off as of 9/30/12 for 2763 White Sage, RRFS account #808634
10/1/12$275 Assessments due for quarter 10/1/12-12/31/12
10/3/12Per SCA 631, Tobin gave notice to SCA that the owner had died. Enclosed were
1) 1/14/12 death certificate and
2) “Check for $300 HOA dues”
Tobin’s notice was sent to the HOA. She indicated the late payment of the deceased owner’s assessments was an error, that the property was in escrow,
that the prospective purchasers were moving in shortly,
that further payments would be made out of escrow, and
that the HOA should work with Doug/Proudfit Realty or new owners to collect future assessments. SCA’s claims that Tobin acted in bad faith, had “unclean hands” and that she was “barred by equitable principles from recovering” for not knowing or remembering that check 143 was not delivered on 8/17/12 when it was written.
Tobin had no recollection of writing the 10/3/12 letter and only became aware of it on 12/26/18 when PDFs of documents disclosed by SCA on 5/31/18 as a picture of a CD, were given to her by attorney Joe Coppedge.
10/3/12Page 1335 Resident Transaction Report does not have an entry to acknowledge that check 143 for $300 was submitted to pay the assessments for the quarter from 7/1/12 – 9/30/12 as was reported in SCA 618.. 
10/8/12RRFS stamped on a paper with a picture of check 143 as received by RRFS on 10/8/12.
There is no date stamp on check 143 to indicate when SCA received it or when RRFS received it.
It is more probable, given the many alterations/ misrepresentations of other documents RRFS/SCA disclosed, that Tobin’s recollection that she submitted check 143 with check 142 on 8/17/12 was correct. and RRFS altered the date on the transmittal letter from 8/17/12 to 10/3/12 to conceal that FSR forwarding the account to collections on 9/13/12 was an error.
10/8/12SCA 628 and SCA 635 are the same SCA compliance letter, dated 9/20/12,  to Gordon Hansen, at 2664 Olivia Heights. SCA/RRFS did not disclose any proofs of service for SCA 628 and SCA 635. Tobin has no record or recollection of ever receiving it. SCA/RRFS did not disclose any letter to 2763 White Sage which would have been required it this was supposed to be the first step of the due process required before imposing a penalty on the homeowner for delinquent assessments.
10/10/12The 10/10/12 hearing noticed allegedly by the 9/20/12 letter in SCA 628 and SCA 635 did not occur. No notice of sanction followed it equivalent to the 8/13/14 Notice of Fines Tobin received after a hearing was held to give notice of a $25 fine for dead plants.
10/18/12RRFS ledger did not apply check 143 to pay the 7/1/12-9/30/12 quarter. On 10/18/12 RRFS ledger entered that check 143 left a balance $369.15 instead of the $275 that was actually due and payable for the quarter of 10/1/12-12/31/12
10/18/12SCA 618 PAY ALLOCATION shows check 143 was both allocated as payment of the quarter 7/1/12-9/30/12 or was a partial payment that left a balance as of 10/18/12 comprised of all RRFS-added charges.
10/18/12RRFS ledger SCA 623-625 called check 143 a partial payment
10/31/12$25 late fee for 10/1/12-12/31/12 delinquent installment was assessed. As of 10/31/12, amount due and owing was $300.
10/31/12Balance due on 10/31/12 as listed in SCA resident transaction report instead of the $275 assessments and $25 late fee actually authorized and due and payable as of 10/31/12.
10/31/12On 11/5/12 RRFS ledgeer sent to 2763 White Sage and forwarded by Proudfit Realty to Ticor Title claimed $495.36 was due when $300 would have paid through 12/31/12 the $300 assessment and late fee authorized for the quarter 10/1/12-12/31/12
10/31/12RRFS reported to the Board that account 808634, 2763 White Sage Dr. was a potential write off of $382.26 as of 10/31/12
11/1/12SCA Board published a schedule of fees that conformed to the NRS 116.310313(2) limits set by the CIC Commission except for the sentence “Fees and costs may change without notice. Schedule of fees may not be all inclusive.”
11/5/12SCA 620 11/5/12 “Correspondence Response Sent to Homeowner” “(RRFS) is in receipt of the correspondence that the homeowner has passed away. Our records have been updated…” RRFS claimed $495.36 was due as of 10/31/12 instead of the $300 actually due.
11/9/12Per 11/9/12 into SCA resident transaction report after a $300 collection payment was credited from check 143, there was a $351.21 balance reported on Page 1335 because two unauthorized monthly late fees had been added. $300 was due, $275 for assessments for the 10/1/12-12/31/12 quarter plus the $25 late fee due on 10/31/12.)
11/9/12Page 1335 Resident Transaction Report has an entry, dated 11/9/13, that shows the HOA received a collection payment of $300 on 11/6/12.
11/9/12SCA 617 “Payment Allocation 11/9/12” information as of 10/18/12. Check 143 for $300 was received as a “partial payment”. “Association Allocation detai”l: $300 check was allocated to $275 assessments due 7/1/12.and 7/31/12 to $25 late fee assessed.. 
12/5/12On 12/14/12, RRFS recorded a lien the falsely stated $925.76 was due and payable. RRFS recited on the lien that the HOA had verified that $925.76 was due and payable as of 12/5/12. As of 12/5/12, $275 for assessments for the 10/1/12-12/31/12 quarter were delinquent and a $25 late fee was authorized t be imposed on 10/31/12. All other charges were unnecessary as the account should have not been sent to collections when the only delinquent assessments were for a quarter that had not even ended. Once check 143 was paid, the account should have been removed from collections. Once the HOA received notice that future assessments would be paid out of escrow, adding $625.76 in collection fees over what was due and payable was predatory and unfair.
12/20/12On 12/2012, Ticor Title requested payoff figures from RRFS to be paid out of Sparkman 8/10/12 escrow
1/1/13Balance due per FSR on SCA resident transaction report to bring account current to 3/31/13
1/1/13According to the HOA Resident Transaction Report, on 1/1/13, there was an outstanding balance of $677.31. This is a variance of $102.31 over what was due and payable on 1/1/13, i.e, $275 assessments for 10/1/12-12/31/12 + $25 late fee plus $275 for 1/1/13-3/31/13 quarter. Note that $575 was due. RMI, as SCA’s managing agent, recorded in SCA’s oficial accounting records that $677.31 was due. RMI d/b/a RRFS, SCA’s debt collector, demanded $1,355.60 from the deceased owner’s estate. RMI d/b/a RRFS, SCA’s debt collector, demanded $1,451.75 from the prospective purchasers’ escrow.
1/1/13On 1/1/13, $275 assessments came due for quarter 1/1/13-3/31/13. There was a $300 ourstanding balance for the 10/1/12-12/31/12 quarter that resulted in a $575 balance due and payable. 
1/3/13RRFS sent a notice, dated 1/3/13, the GBH Hansen estate that a lien had been recorded on 12/14/12 for $976.25, but that on 1/3/13 $1355.60  was then due. The $925.76 l12/14/12 lien overstated the amount due by $625.76. The claim that $1355.60 was due on 1//3/13 overstated the amount actually due and owing by $780.60.
1/3/131/3/13 SCA 587 LIEN SENT TO OWNER
1/3/131/3/13 SCA 587 “LIEN SENT TO OWNER”
1/9/131/9/13 SCA P/O DEMAND RECEIVED1/16/13 SCA 578 P/O DEMAND SENT
1/16/13On 1/16/13, RRFS responded to Ticor Title’s request for updated payoff figures with a pay off demand to the Sparkman escrow of $1451.75. This demand overstated the amount actually due and payable on 1/16/13 by $876.75.
1/31/13$25 late fee due for the 1/1/13-3/31/13 quarter. 
1/31/13RRFS reported to the Board that account 808634, 2763 White Sage Dr. was a potential write-off of $677.31 as of 1/31/13.
3/7/13$702.31 amount required to pay assessments, late fees, and interest to bring balance to zero through 3/31/13 per SCA resident transaction report Page 1335 
3/7/13$2,475.35 was due and payable as of 3/7/13 per RRFS on 3/12/13 NODES
3/12/13RRFS claimed on the rescinded 3/12/13 (NODES) Notice of Default and election to Sell that, as of 3/7/13, $2,475.35 was due, not the $702.31 reported on the  SCA resident transaction report Page 1335
3/27/13Effective 3/27/13, RRFS rescinded the 3/12/13 notice of default.
4/1/13$275 Assessments due for quarter 4/1/13-6/30/13
4/3/13SCA 553 RRFS on 4/3/13 recorded the rescission of the 3/12/13 NODES. No notice of the rescission was mailed to the owner or to the property.
4/4/13As of 4/4/13, $2752.66 Due and payable per RRFS on the recorded 4/8/13 NODES vs. $825 assessments ($275 x 3 quarters from 10/1/12-6/30/13) and $50 for late fees ($25 for the 4/1/13-6/30/13 quarter was not due until the for the 4/1/13-6/30/13 quarterly installment was 30 days past due on 4/30/13.
4/16/13SCA 525 4/16/13 “Payoff Demand Received”.
See SCA 415-416 for RRFS work log entries related to RRFS refusal of Miles Bauer tender.
4/17/13SCA 527 4/17/13  Request reviewed
4/30/13$25 late fee was assessed for 4/1/13-6/30/13 delinquent installment
4/30/13SCA 254 RRFS acct detail 4/4/13 – 12/31/13 shows RRFS charged the Hansen account $150 to respond to Miles Bauer request for pay off figures
4/30/13SCA 517 -519 4/30/13 “Payoff Demand Sent” RRFS letter to Miles Bauer stated that as of 4/30/13, $$2,904.26 was due.
5/7/13Tobin faxed a letter to put BANA on notice of her intent to stop paying to protect the security interest of a lender to whom she did not owe any debt.
See Tobin 5/7/13 letter to BANA and attachments disclosed as NSM 274-328.
5/8/13SCA 513 Miles Bauer check for $825, the exact amount of assessments then delinquent.
See SCA 513-530 for RRFS disclosures re rejection of the first super-priority tender. (SCA 302 was the second.)
5/16/135/16/13 SCA 512 is a request for payoff figures from Proudfit Realty “We are expecting a short-sale approval letter to be issued in the name of the new buyers. Escrow is expected to close no later than June 28, 2013.”
See SCA 504-512.
5/29/13RRFS responded on 5/29/13 that $3,055.47 was due and payable instead of the $825 assessments and $75 late fees that were due and owing to bring the account paid in full to 6/30/13.
5/29/13SCA 254 RRFS acct detail 4/4/13 – 12/31/13 shows that on 5/29/13 RRFS charged $150 for pay off demand in relation to Proudfit Realty request for pay off figures in Mazzeo’s escrow opened on 5/10/13 for a $395,000 purchase offer
6/30/13If Miles Baur tender of $875 had been accepted and correctly applied, assessments would have been paid through 6/30/13. There were unpaid late fees for the three quarters then delinquent ($25 x 3= $75 due for the quarters from 10/1/12-6/30/13).

It was unfair for Miles Bauer to tender the $825 for the nine months then delinquent after its principal, servicing bank BANA, refused to let the escrow (8/10/12-4/8/13) close on Sparkman’s FMV arms-length offer.

Ticor Title had been instructed to pay the $1,451.75 RRFS had demanded on 1/16/13 on COE.
It was also unfair that BANA’s agent Miles Bauer tendered the $825 super-priority directly to RRFS without notifying Ticor Title, Proudfit or Tobin. 

RRFS did not notify the SCA Board, or more importantly, request Board approval, of its rejection of the tender of 100% of the assessments then delinquent.
Per RTR pages 1334-1336 the amount due and owing as of 6/30/13 was $1,083.14.
7/1/13Per RTR pages 1334-1336 the amount due and owing as of 7/1/13 was $1,308.14
7/1/13$275 Assessments due for 7/1/13-9/30/13
7/1/13$825 delinquent through 6/30/13 +$275 assessments due for 7/1/13-9/30/13 quarter equated to $1100, one year of assessments due because of RRFS’s unilateral rejection of the Miles Bauer tender and because of BANA’s unilateral rejection of the Mazzeo’s 5/10/13 $395,000 offer.
7/10/13Tobin removed the property from the market, turned off the electricity, and initiated a deed in lieu process with BANA.
See Tobin’s 2013 deed in lieu hand written notes.
7/31/13$25 late fee due bringing to $1100 the assessments that were delinquent plus$100 in late fees that were authorized=$1,200.
8/15/13SCA 401 is an envelope addressed to 2763 White Sage that was stamped on 8/15/13 “deceased”. There is no such envelope for the letter RRFS alleged in SCA 287 was sent to 2763 White Sage on 7/2/14. This is the 7/2/14 letter that RRFS claims was sent to notify the owner that the waiver request RRFS sent to the SCA Board on 6/9/14 was denied. 
See SCA 401-403 Return to Senders
8/15/13SCA 403 is an envelope addressed to 2763 White Sage that was stamped on 8/15/13 “Return to sender Not deliverable as addressed. Unable to forward.”. There is no such envelope for the letter RRFS alleged in SCA 287 was sent to 2763 White Sage on 7/2/14. This is the 7/2/14 letter that RRFS claims was sent to notify the owner that the waiver request RRFS sent to the SCA Board on 6/9/14 was denied. 
10/1/13Balance due per FSR on SCA resident transaction report to bring account current to 12/31/13
10/1/13Balance per RRFS account detail in SCA 254
10/1/13Assessments due for 10 /1/13-12/31/13
10/16/1310/16/13 SCA 450 Followed Up POP
10/16/13SCA 468 RRFS “Homeowner Progress Report” to 10/16/13 does not show any BOD approval
10/31/13$25 late fee due
1/1/14Balance due per FSR on SCA resident transaction report to bring account current to 3/31/14
1/1/14Balance per RRFS account detail in SCA 254
1/1/14Assessments due for 1/1/14-3/31/14
1/31/14$25 late fee due
2/11/14Effective 2/11/14, RRFS claimed that $5,081.45 was due and payable on the Notice of Sale published on 2/12/14 (cancelled on 5/15/14 and not replaced).

Note that RRFS did not ever update the 2/11/14 $5,081.45 figure a a second published NOS.
RRFS concealed its 3/28/14 payoff demand to Chicago Title in which RRFS stated that as of 3/28/14 $4,962.24 was due as of 3/28/14. The discrepancy ($5,081.45 on 2/11/14 vs. $4,962.24 on 3/28/14 is explained on page 6 of the 3/28/14 demand.

RRFS and SCA obfuscated that on 3/28/14 the SCA BOD instructed RRFS to reduce $400 in late fees and $18.81 in interest of the $5,083.45 RRFS claimed was due on 2/11/14.) Note that SCA 275-SCA 315 includes significant alterations of the RRFS accounts and records to obfuscate this action by the SCA BOD and to misrepresent the 5/28/14 NSM offer (one year of assessments ($1100) to close the MZK 5/8/14 auction.com sale) as a fee waiver request from the owner. Further, SCA 254, RRFS’s 8/15/14 Account Detail fails to accurately account for the 3/28/14 fee and interest waiver authorized by the SCA BOD. 
2/11/14$4,240.10
2/12/14Published 2/12/14 Notice of Sale (NOS) alleged that $5,081.45 was due as of 2/11/14. 
2/28/14$4,962.64 RRFS response to payoff demand requested by Chicago Title  
3/18/143/18/14 payoff demand received

Note that the 3/6/14 Chicago Title Preliminary Title Report was concealed in discovery.
3/18/14SCA 312 -313 shows that Chicago Title requested pay-off figures from RRFS.
3/18/14SCA 310 contains two emails dated 3/18/14 which clearly indicate RRFS received a request for payoff figure on 3/18/14, but the SCA BOD was scheduled to review Leidy’s requests at the 3/27/14 meeting. Note RRFS and SCA both failed to disclose the 3/28/14 RRFS response to Chicago Title in which the ledger shows that the SCA BOD approved a $400 fee waiver. This fee waiver is not included in SCA 255, RRFS account detail from 2/11/14-8/15/14
3/28/14On 3/28/14 RRFS demanded $3,055.47 was due in response to Chicago Title’s 3/18/14 request for pay off figures found in SCA 312 -313. RRFS, NSM, and SCA concealed RRFS’s 3/28/14 demand. On 10/14/14, Leidy provided it to Tobin. Leidy informed Tobin on 10/14/14 that it was the only ledger he had ever received.
3/28/14RRFS concealed payoff demand of $3,055.47 in response to Chicago Title (concealed in discovery)
3/28/14$4,687.64 was shown as due and payable on
3/28/14See Page 6 of the 3/28/14 RRFS ledger concealed from discovery by RRFS, SCA, BHHS, and NSM.

3/28/14 Page 6 shows a $400 fee reduction was approved by the SCA board pursuant to Leidy’s 3/7/14 only fee reduction request found buried in SCA .
6/9/14 Page 6 of RRFS 6/9/14 ledger scrubs the $400 Board approved reduction and reports that RRFS billed no collection costs from 2/11/14 to 5/30/14 (See SCA 301).
A further accounting discrepancy in found in SCA 250
4/1/14Balance due per FSR on SCA resident transaction report to bring account current to 6/30/14
4/1/14$275 Assessments due for 4/1/14-6/30/14
4/24/14
4/30/14$25 late fee due for delinquent  4/1/14-6/30/14 installment
4/30/14SCA 254 RRFS acct detail 4/4/13 – 12/31/13 shows on 4/30/13 RRFS claimed $2,876.95 was due as of 4/30/13 in response to Miles Bauer’s request for pay off figures. SCA 254. On
5/6/14SCA 307
5/15/14No BOD approval of postponed 5/15/14 sale date
5/15/14SCA 307 is an unsigned approval form to conduct the sale on 5/15/14.
No signed BOD approval was disclosed in SCA 176-643 or exists in the 4/26/14 minutes of Board approval to conduct the sale on 5/15/14.

On 5/15/14, the Ombudsman received notice that the 5/15/14 sale was cancelled as the owner was retained.
5/15/14SCA 308 is another email alleging final approval of the 5/15/14 sale from which the date has been scrubbed and there is no signature
5/28/14SCA 302 NSM 5/28/14 super-priority offer
6/2/14Ombudsman employee, Ann Moore, logged that the Ombudsman had received notice that the 5/15/14 sale date had been cancelled, the 2/12/14 notice of sale process and the “trustee sale: were cancelled and the “owner retained”. See authenticated Ombudsman Notice of Sale Compliance Record (OMB-NOS)
7/1/14Balance due per FSR on SCA resident transaction report Page 1336 to bring account current to 9/30/14 was $2,692.68.
See Resident Transaction report, Pages 1334-1336
7/1/14Assessments due for 7/1/14-6/30/14
7/2/14SCA 277 Undated email RRFS to Leidy “Please see response regarding the settlement request for $1000.00” (Note there was no settlement request for $1000. Leidy did not receive this. Not clear what was supposedly attached as it does not relate to the 6/5/14 email Leidy sent to RRFS to forward the NSM 5/28/14 offer that is on the bottom of the page SCA 277
7/2/14unsent RRFS ledger falsely alleged to have been sent to 2664 OH and 2763 WS
7/31/14$25 late fee due.
7/31/14Per RTR pages 1334-1336 the amount due and owing on 7/31/14 $2,692/68.
8/13/14Notice of Fines was sent after a hearing was held prior to the imposition of a $25 fine for a dead tree at 2763 White Sage
8/15/14RRFS sold 2763 White Sage without notice to any party with a known interest.
8/15/14SCA 255 2/11/14 – 8/15/14 RRFS account detail does not have an entry of 3/28/14 SCA BOD $400 fee waiver and does not include any charges for the 3/28/14 pay off demand to Chicago Title and does not report SCA 302, NSM’s 5/28/14 super-priority tender. It also shows RRFS was charging late fees monthly when payments were in quarterly installments and $25 per installment was authorized.
8/27/14Collection payment entered to pay Gordon Hansen’s account in full on Page 1336
9/25/14Page 1337 Resident Transaction Report shows an entry on 9/25/14 that Jimijack Irr Tr paid $225.00 new owner setup fee. Jimijack’s Resident ID was 0480-02. SCA’s ownership record shows Jimijack was the second owner of the property.
9/25/14Page 1337 Resident Transaction Report 9/25/14-3/31/16 and SCA owner record 4/1/16-5/9/16 shows Jimijack was the only owner after Hansen. SCA refused to provide the SCA ownership records requested from 8/15/14 date of the sale to 2/28/19 end of discovery.
4/1/162763 White Sage payments for all owners 1/1/06-5/9/16
10/14/14Tobin to Leidy email demanding answers
10/14/14 Leidy response
10/14/14Leidy emailed to Tobin the 3/28/14 ledger that RRFS concealed in discovery that shows how RRFS falsified the ledgers.

Deceptive disclosures: SCA Board 12/5/13 meeting vs. SCA 315 & RRFS 128

12/5/13 Executive Session Agenda

12/5/13 Executive SessionItems related to the Board enforcing the governing documents

6. ACCOUNT REQUESTS, APPEALS & HEARINGS (Action May Be Taken)
The Board of Directors will deliberate regarding unit owner appeals from imposition of fines and/or penalties by Committee and take action on other appeal requests.
7. REVIEW OF POTENTIAL FORECLOSURE PROPERTIES (Action May Be Taken)
Red Rock Financial Services will provide background documentation to support discussion of these properties by the Board of Directors.
8. REVIEW OF BAD DEBT & WRITE-OFFS
The Board will discuss the collectability from particular unit owners and potential write-offs for the same. Write-off amounts to be discussed and decided in regular session. “

See 12/5/13 Executive Session Agenda

President’s Report is the minutes of actions taken in executive session

President Jean Capillupo’s report: “At each executive session, your Board considers appropriate action regarding homeowners in our community who fall behind in paying their assessments. Last month, we took action to foreclose on the liens of five properties, and this month, at this afternoon’s session we considered other seriously delinquent accounts. It is important to note that the vast majority of our neighbors meet their financial responsibilities to the Association. There are a very few, however, who do not. As I stated in the President’s Report in this month’s Spirit, we believe that it is not in the best interests of our Association for your Board to sit back and allow certain homeowners to continually neglect their financial responsibilities to our neighbors. I am pleased to report that of the five homes the Board took action on in October, at least one has paid their balance in full. We also determined that another home was foreclosed on by the City of Henderson. The Association did not and will not receive any funds as a result.

I plan to continue the discussion of the foreclosure process in the January Spirit, providing more detail on the impact, financial and otherwise, to the Association.

At this afternoon’s executive session, our Board approved the initiation of foreclosure on nineteen homes. This process will continue after the first of the year. “

See 12/5/13 BOD minutes, page 9 of 11

12/5/13 Board meeting, item 17


17. REVIEW OF BAD DEBT & WRITE-OFFS
The Board of Directors, in Executive Session on December 5, 2013, reviewed the possible write off of $24,568.94 from three accounts.
ACTION ITEM
1. Approve a write off of bad debt for three accounts reviewed at the December 5, 2013 Executive Session meeting in the amount of $24,568.94 that is outside of the nine-month super priority lien.
[R20-120513] UPON motion duly made by Jean Capillupo and
seconded by Jim Mayfield, the Board unanimously voted to authorize the
write off of bad debt for three accounts reviewed at the December 5, 2013 Executive Session meeting in the amount of $24,568.94, that is outside of the nine-month super priority lien.

Note the inconsistency with how write-offs and waivers of fees are handled.

SCA Board did not vote in June 2014 to write off the amount in excess of NSM’s $1,100 offer.

See SCA 302 – NSM’s 5/28/14 offer of $1,100 (one year of assessments)
See SCA 295 – RRFS presented SCA 302 to BOD as an owner request of waiver of $459.32 of interest and late fees while telling the Board that RRFS $3,037.64 collection fees cannot be waived.

See NRS 116.31065 Rules.

5.  Must be uniformly enforced under the same or similar circumstances against all units’ owners. Any rule that is not so uniformly enforced may not be enforced against any unit’s owner.

See 12/5/13 SCA BOD minutes, page 8 of 11

SCA 315 implied that the sale was approved on 12/5/13 [R05-120513]

The only disclosure made by SCA or RRFS to prove that the SCA Board approved the sale was SCA 315. which implied that the Board approved the 3/7/14 sale at the 12/5/13 meeting by approving resolution “R05-120513”

R05-120513 is not SCA Board approval of the sale.

SCA Board minutes of the December 5, 2013 Board meeting Item R05 – 120513 reads:

[R05-120513] UPON motion duly made by Dan Forgeron and seconded by Jim Mayfield, the Board unanimously voted to refer the bids to the Reserve Study Work Group for analysis and recommendation presented at the January 23, 2014 regular Board meeting.

See 12/5/13 BOD minutes, page 2 of 11 [R-05-120513]

  1.  SCA 315 was the only evidence proffered of Board action to authorize the sale of  2763 White Sage Drive on March 7, 2014.
  2. SCA 315 alleges that Jean Capillupo, Board President, signed on February 27, 2014  a statement on RRFS letterhead, dated February 14, 2014,

“The Board of Directors of Sun City Anthem Community Association approves that Red Rock Financial Services is to proceed with the foreclosure of the property address 2763 White Sage Dr., Henderson NV 89052 on March 7, 2014 at 10:00 AM pursuant to this authorization and the conditions set forth in the Permission for Publication of Foreclosure Sale and Authority to Conduct Foreclosure Sale.”

  • SCA 315 also includes a note, handwritten by an unknown author, that stated

approved

      12/5

R05-120513”

  • Item R05 – 120513 on page 2 did not authorize the sale of 2763 White Sage Drive.

“(R05-120513)           UPON motion duly made by Dan Forgeron and Jim Mayfield,  the Board unanimously voted to refer the bids to the Reserve Study group for analysis and recommendation presented at the January 23, 2014 regular Board meeting.”

Due process is required before a person’s property can be confiscated

Excerpt from page 2 of Nationtar’s 5/10/16 filing into A-15-720032-C

Note that Nationatar’s 12/1/14 claim that it had acquired Bank of America’s interest in the Hansen deed of trust was fraudulent and Nationstar rescinded it on 3/8/19. Nationstar did not have a recorded claim to the Hansen deed of trust until one week after discovery ended, and that 3/8/19 claim was fraudulent as well.

According to Nationstar’s attorneys, Nona Tobin is NOT entitled to due process before her property was confiscated by Nationstar whose claims were all fraudulent.

Link to “Whatever happened to “equal protection under the law“?

Whatever happened to “equal protection under the law”?

According to Nationstar’s attorneys in 2016, Nationstar had standing to assert a quiet title claim under NRS 40.010…

Note that Nationstar is judicially estopped from claiming to be the beneficial owner of the disputed Hansen deed of trust due to its many conflicting and false claims made into the court record and in the official Clark County property record.

According to Nationstar’s attorneys in 2016, Nationstar could not be bound by Jimijack’s default judgment against B of A because Jimijack did not name Nationstar as a defendant

According to Nationstar’s attorneys in 2019, Nona Tobin’s known interest in the property should be disregarded so Nationstar and Jimijack could settle the title dispute without joining her..and without presenting a case.

Link to 4/23/19 hearing transcript where Nationstar and Jimijack settled the title dispute ex parte by excluding Nona Tobin

Link to “A simple fable: Jimijack and Nationstar weaponize settlement”

According to Nationstar’s attorneys in 2019, Nona Tobin did not have standing to assert a quiet title claim as an individual and was bound by the 6/24/19 order from a trial that excluded her.

Link to 6/24/19 trial order that granted quiet title to Jimijack vs. the Gordon B. Hansen Trust which Nationstar claims is preclusive of all Nona Tobin’s claims

Judge Kishner excused Nationstar and the HOA from the trial although neither of whom had any filed claims against Nona Tobin or the Hansen Trust, and despite the fact that the HOA’s motion for summary judgment against only the Hansen Trust’s quiet title claim was improper and unwarranted as the HOA had no interest in the title and would not have been damaged in any way if the HOA’s attorneys had simply done nothing. The effect of the court’s granting the HOA’s motion for quiet title and Nationstar’s joinder was to give the title to give the title to Plaintiff s Nationstar and Jimack without requiring them to put on a case and preventing Nona Tobin from putting on hers.

Judge Kishner compounded her errors of never ruling on Tobin’s claim that Jmiack’s deed was inadmissible and that Nationstar was lying bout owning the beneficial interest of the Hansen deed of trust, by meeting ex parte with Nationstar and Jimijack attorneys, letting them convince her that Nona Tobin’s pro se filings should be stricken from the record unheard, and by letting them “settle” non-existent claims (Jimijack never filed any claims against Nationstar), and by failing to check the settlement documents (to see that neither Jimijack nor Nationstar were parties to the “settlement agreement” that took the title from Nona Tobin without her being given an opportunity to be heard as Nationstar so eloquently demanded for itself in 2016.

Judge Kishner also excluded from the trial all documentary evidence for Joseph Hong’s misconduct, which damaged only Nona Tobin.

Judge Kishner also excluded from the trial five of the six Hansen Trust’s causes of action (equitable relief (noncompliance with HOA governing documents), civil conspiracy, fraudulent concealment, breach of contract, unjust enrichment), made on 1/31/17 CRCM vs SCA, 2/1/17 AACC vs. Jimijack (fraudulent conveyance, quiet title and equitable relief, unjust enrichment, civil conspiracy, and preliminary and permanent injunctions), and 2/1/17 CRCM vs. Yuen K. Lee dba F. Bondurant LLC (fraudulent conveyance, quiet title and equitable relief, and civil conspiracy)

Judge Kishner also excluded from the trial Nona Tobin as an individual and ALL of Nona Tobin’s individual causes of action (quiet title & equitable relief (statutory non-compliance), equitable relief (noncompliance with HOA governing documents), civil conspiracy, fraudulent concealment, breach of contract, unjust enrichment) made on 1/31/17 CRCM vs SCA, 2/1/17 AACC vs. Jimijack (fraudulent conveyance, quiet title and equitable relief, unjust enrichment, civil conspiracy, and preliminary and permanent injunctions), and 2/1/17 CRCM vs. Yuen K. Lee dba F. Bondurant LLC (fraudulent conveyance, quiet title and equitable relief, and civil conspiracy)

Link to Nona Tobin’s 8/7/19 quiet title complaint as an individual that Nationstar asserted Nona Tobin had no right to file because

Link to Red Rock’s 6/23/19 motion to dismiss Nona Tobin’s claims

Red Rock claims res judicata even though none of Nona Tobin’s claims have ever been adjudicated.

Link to Nationstar’s 6/25/19 joinder to motion to dismiss that includes Nationstar’s misstatement of the facts to make claims preclusion apply to Nona Tobin’s claims that were never heard.

A. Note that Nationstar fails to mention that Nationstar never filed any quiet title claims against Nona Tobin or against the HOA or against Red Rock or against Nona Tobin as the trustee of the Gordon B. Hansen Trust.
B. Note that Nationstar fails to mention that Nationstar and Jimijack made a fraudulent side deal excluding Nona Tobin for the corrupt purpose of obstructing judicial scrutiny of Tobin’s evidence.
On 1/10/19, the Court granted leave to amend, but not to add parties or claims which is tantamount to not granting the 11/30/18 motion to amend. Since the order was not entered, Nationstar cannot now claim “Tobin cannot now use this action to complete the efforts she abandoned in the prior action.”
Link to 3/14/19 complaint against Nationstar to the Nevada Attorney General unadjudicated and included as an exhibit to Nona Tobin’s 4/10/19 opposition to Nationstar’s motion for summary judgment against Jimijack
Link to Nona Tobin’s 4/10/19 opposition to Nationstar’s motion for summary judgment and counter-motion for summary judgment that was stricken at the 4/23/19 ex parte meeting between Nationstar, Jimijack and Judge Kishner
Link to Nona Tobin’s 4/10/19 motion for summary judgment against Jimijack that was stricken unheard at the 4/23/19 ex parte meeting between Nationstar, Jimijack and Judge Kishner
Link to Nona Tobin’s 4/10/19 motion for summary judgment against all parties that was stricken unheard at the 4/23/19 ex parte meeting between Nationstar, Jimijack and Judge Kishner

Cause of Action: Conversion

  1. According to Jay Young, Nevada Law Blog:

In Nevada, the elements for a claim of conversion are:

  1. A distinct and intentional act of dominion by one which is wrongfully exerted over the property of another;
  2. Act committed in denial of, or inconsistent with the rightful owner’s use and enjoyment of the property;
  3. Act committed in derogation, exclusion, or defiance of the owner’s rights or titled in the property; and
  4. Causation and damages

M.C. Multi-Family Development, L.L.C. v. Crestdale Assoc., Ltd., 193 P.3d 536, 543 (Nev., 2008); Evans v. Dean Witter Reynolds, 5 P.3d 1043 (Nev. 2000); Bader v. Cerri, 96 Nev. 352, 609 P.2d 314 (1980); Wantz v. Redfield, 74 Nev. 196 (1958); Boylan v. Huguet, 8 Nev. 345 (1873).

Cause of Action: Misappropriation of money

Plaintiff Nona Tobin repeats, re-alleges, and incorporates herein by this reference the allegations hereinabove inclusively as though set forth at length and in full herein. 

Defendants, and each of them, misappropriated or otherwise improperly took possession of monies which belonged to or should have gone to Plaintiff. 

As a direct, proximate, and foreseeable result of Defendants’ acts, Plaintiff has been damaged in excess of $15,000 and in an amount to be determined at the time of trial. 

Defendants’ acts were committed with fraud, oppression, and/or malice, entitling Plaintiff to punitive damages pursuant to NRS 42.005 in an amount to be determined at the time of trial. 

As a direct, proximate, and foreseeable result of the Defendants’ acts, it has become necessary for Plaintiff to secure the services of an attorney, and Plaintiff is entitled to recover fees and costs incurred herein as damages.

Cause of Action: Fraud

The Elements of fraud apply to all the defendants being named in case A-21-828840-C that were opposing counsels to Nona Tobin in Nevada district court cases related to a dispute over the title of 2763 White Sage that was sold at an HOA foreclosure sale in 2014, i.e., in cases A-21-828840-C, A-19-799890-C, A-16-73-0078-C, and A-15-720032-C.

The elements of the cause of action of Fraud on the Court:

1. Defendant makes a false representation as to a past or existing fact.

2. With knowledge or belief by defendant that representation is false or that defendant lacks sufficient basis of information to make the representation;

3. Defendant intended to induce the Court to act in reliance on the representation;

4. Justifiable reliance upon the representation by the Court;

5. Causation and damages to plaintiff Nona Tobin as a result of the Court’s relying on misrepresentation; and

6. Must be proved by clear and convincing evidence and be pled with specificity.

Relevant Nevada court cases

NEVADA JURY INSTRUCTIONS 9.01; 

NRCP 9;

(b) Fraud or Mistake; Conditions of Mind.  In alleging fraud or mistake, a party must state with particularity the circumstances constituting fraud or mistake. Malice, intent, knowledge, and other conditions of a person’s mind may be alleged generally

NRCP 9(b)

Jordan v. State ex rel. Dep’t of Motor Vehicles & Pub. Safety, 121 Nev. 44, 75, 110 P.3d 30, 51 (2005); 

J.A. Jones Constr. Co. v. Lehrer McGovern Bovis, Inc., 120 Nev. 277, 89 P.3d 1009 (2004); 

Barmettler v. Reno Air, Inc., 14 Nev. 441, 956 P.2d 1382 (1998); 

Blanchard v. Blanchard, 108 Nev. 908 (1992);  

Bulbman, Inc. v. Nev. Bell, 108 Nev. 105, 111, 825 P.2d 588, 592 (1992); 

Albert H. Wohlers & Co. v. Bartgis, 114 Nev. 1249, 1260, 969 P.2d 949, 957 (1998);  

Sanguinetti v. Strecker, 94 Nev. 200, 206, 577 P.2d 404, 408 (1978); 

Lubbe v. Barba, 91 Nev. 596, 541 P.2d 115 (1975).

Cause of Action: Abuse of Process

The Elements of Abuse of Process apply to all defendants in all related cases

Interpleader complaint was an abuse of process because Defendant Steven Scow named parties who don’t have a claim and because it was filed to obstruct the administration of justice in other cases that were improperly filed, the wrong parties were intentionally named and the correct ones intentionally omitted.

The attorneys in all the related cases have engaged in a massive fraud on the court, involving presenting false evidence,

1. Filing of a lawsuit made with ulterior purpose other than to resolve dispute

Link to “Interpleader Complaint was filed with an ulterior motive

This interpleader complaint was filed for the corrupt purpose of continuing to obstruct a fair, evidence-based adjudication of Nona Tobin’s claims.

Links to NV Supreme Court cases 82294, 82234, and 82094

The defendants, jointly in concerted action and/or conspiracy, and each one separately,are utilizing this untimely, unwarranted, and harassing interpleader complaint in the corrupt attempt to moot the appeals of their non-meritorious claims in cases A-15-720032-C and A-19-799890-C.

Defendants improperly utilized this and the multiple related civil actions intended to the quiet title following a disputed 2014 HOA foreclosure. Their corrupt purpose was to get the court to bless their clients’ theft of Nona Tobin’s property, and the attorneys of those engaged in racketeering, conspired to cover it up.

Civil actions have been used to steal from Nona Tobin

  1. Attorneys have presented false evidence, withheld evidence, falsified documents to cover up FirstService Residential dba Red Rock Financial’s predatory debt collection that led to the secret foreclosure sale.
  2. Attorneys have presented false evidence, withheld evidence, falsified documents, to cover up Steven Scow’s, and other conspirators’ misappropriation of the proceeds o of many secretly-conducted sales.
  3. Joseph Hong and Melanie Morgan conspired to engineer an ex parte meeting with Judge Kishner in order to derail Nona Tobin’s case.
  4. Nationstar recording false claims to the title of the subject property to abuse the quiet title litigation process to get a court-sanctioned theft of Nona Tobin’s property.
  5. Joseph Hong conspired with others to conceal that Jimijack’s void deed had no legal capacity to hold or transfer title.
  6. Brittany Wood conspired with others not having an admissible deed and then fraudulently conveying it to one of the trustees as an individual.
  7. Joseph Hong’s and Melanie Morgan’s negotiating a fraudulent deal to steal Nona Tobin’s property that was represented to the court as a Nationstar-Jimijack settlement of all claims, but was actually a contract between non-parties to the litigation.
  8. Brittany Wood misrepresenting the court record, the facts and the law, in order to evade detection that her clients’ had knowingly received Tobin’s fraudulently conveyed property.

2. Wilfull act in the use of legal process not proper in the regular conduct of the proceeding

Steven Scow named five defendants in the interpleader complaint when he knew that four of those defendants had already recorded releases of their claims.

Link to Nona Tobin’s 3/15/21 Request for Judicial Notice of the Clark county Recorder’s Office records for APN 191-13-811-052.

Steven Scow’s allegations in the complaint were false and were for the corrupt purpose of evading detection that he misappropriated the proceeds of this 8/15/14 foreclosure sale and a dozen other Sun City Anthem foreclosures that were secretly, and without legal authority, conducted by Red Rock Financial Services in 2014.

Steven Scow has unlawfully retained the proceeds from multiple HOA foreclosures in an unauthorized, unaudited attorney trust account.

Link to “HOA debt collectors yield an unlawful amount of power
Link to Sun City Anthem bylaws 3.20/3.18 (annotated) prohibition of the delegation of certain Board duties and the Board’s loss of control of funds collected for the benefit of the HOA
Link to “SCA board secretly sold a dozen houses in 2014
Link to “We can learn a lot from this Spanish Trail HOA case

3. Damages as a direct result of the abuse

Actual damages to Nona Tobin currently exceed $700,000 and counting because attorneys unilaterally rejected her 2017 offer to settle at no cost without approval of the HOA Board. Their motive was to cover up the fraudulent acts of Red Rock and other HOA agents and attorneys.

Links to NV Supreme Court cases 82294, 82234, and 82094 that the co-conspirator defendants are attempting to moot by this unwarranted and harassing interpleader complaint.

Steven Scow filed the interpleader action more than six years after he failed to distribute the $57,282.32 excess proceeds from the 8/15/14 sale

Nevada law required the proceeds to be distributed after the sale

The HOA foreclosure sale was conducted on 8/15/14, and the 2013 statutes applied.

Link to NRS 116.3116-NRS 116.31168 (2013) – the applicable 2013 NRS provisions governing HOA foreclosures

Links to SCA 223-224 and RRFS 047-048 show Steven Scow was instructed to interplead the proceeds on 8/28/14.

Mortgage servicing fraud is many big bank’s business model

In this case, however, Nationstar’s mortgage servicing fraud normal tactics weren’t available so it chose to use co-conspirator attorneys, to abuse the quiet title litigation process.
Link to 12/7/20 National settlement of all Attorneys Generals’ mortgage servicing complaint vs. Nationstar
Link to 2012 National mortgage settlement with Bank of America
Link to 2012 National mortgage settlement with Wells Fargo