Docstoc

Crystal Cox v. Scott Curry Libby Montana Engineer

Document Sample
Crystal Cox v. Scott Curry Libby Montana Engineer Powered By Docstoc
					     Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 1 of 50            1




Crystal L. Cox Pro Se
                                                           RECEIVED 

P.O. Box 2027                                                    MAY 07 2Of3
Port Townsend, WA                                          CLERK, U.S. DISTRICT COURT
(406) 624-9510                                               OISTRICT OF MONTANA
Ceystal@CrYStaICox.com                                              HELENA


                            UNITED STATES DISTRICT COURT
                                 DISTRICT OF Montana



Plaintiff Crystal L. Cox
1- 5 John and Jane Doe Plaintiff(s)

                                                           Case Number Pending
                                                                        Complaint
                                                                     Jury Demand

v.

Defendants as Follows:


SERVE TO:

Scott A Curry, in his professional and personal capacity
103 W Lincoln Boulevard
Libby, l1li 59923

TLC Engineering, PE, LLC
103 W Lincoln Boulevard
Libby. l1li 59923

Teresa L Curry in her professional and personal capacity
TLC Engineering
103 W Lincoln Boulevard
Libby, l1li59923

Joseph Barcomb in his professional and personal capacity
TLC Engineering
103 W Lincoln Boulevard
Libby. MI: 59923
                                                                                  1
     Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 2 of 50   2




Donald C. Hillard in his professional and personal capacity
TLC Engineering
103 W Lincoln Boulevard
Libby, M: 59923

Kimberley A. Remick, in her professional and personal capacity
103 W Lincoln Boulevard
Libby, Mt 59923

RemickLLC
103 W Lincoln Boulevard
Libby, M: 59923

Josh Tallmadge, in his professional and personal capacity
103 W Lincoln Boulevard
Libby, M: 59923

Tallmadge GIS and Drafting LLC
16365 Bull Lake Road
Troy, MT 59935

Cynthia B. Miler, in her professional and personal capacity
103 W Lincoln Boulevard
Libby, M: 59923

Glacier Insurance
TLC Insurance Provider
PO Box 1510
806W 9thSt
Libby, Mt 59923

CBIC Contractor Bonding and Insurance Company
TLC Insurance Provider
CBIC. 2999 N. 44th Street. Suite 450,
Phoenix, AZ85018

Ronald Nelson, in his Professional and Personal capacity
700 Stone Mluntain Road
Rexford, Mlntana 59930




                                                                         2
    Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 3 of 50    3




Nelson Construction, llibntana Construction Business, Mold Remediation
700 Stone llibuntain Road
Rexford, llibntana 59930

Randy Brosten, in his professional and personal capac~y
P.O. BOX 980
Kalispell, MT 59903-0980

Antonich Adjusters Inc - llibntana
P.O. BOX 980
Kalispell, MT 59903-0980

Christopher Yonge
P.O. BOX 980
Kalispell, MT 59903-0980

Judy Kirby, in her professional and personal capac~y
1000 Banks Draw
Rexford, MT 59930

Bruce Kirby, in his professional and personal capacity
1000 Banks Draw
Rexford, MT 59930

Whitefish Credit Union
P.O. Box 37
300 Baker Ave
Whitefish, MT 59937

Ray Fauth, in his professional and personal capacity
P.O. Box 37
300 Baker Ave
Whitefish, MT 59937

Noel Appraisals
PO Box 1977
WhHefis h, llibntana 59937

Martha Noel
PO Box 1977
Whitefish, Montana 59937




                                                                         3
    Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 4 of 50   4




Scott Rumble
Box 596
Eureka, M:lntana 59917

Abel Enginneering Inc.
212 Segiah Way
Kalispell, MT 59901

Tom Abel in, his professional and personal capacity
212 Segiah Way
Kalispell, MT 59901

century 21 Land Office Eureka M:lntana
PO Box 1791
200 Dewey Ave
Eureka, MT 59917

Century 21 Real Estate LLC
Realogy Holdings Corp.
1 Campus Drive
Parsippany Troy Hills, NJ 07054

Mke Workman, in his profesSional and personal capacity
PO BOX 1289
Eureka, MT 59917

Shannon Wolleat, in her professional and personal capacity
PO BOX 2083
311 Dewey Ave
Eureka, Mt 59917

First American Hie
PO BOX 2083
311 Dewey Ave
Eureka, M 59917

Kathleen Schulte, in her professional and personal capacity
Ex-CEO Northwest M:lntana Associaton of Realtors®
110 Cooperative Way
Kalispell, MT 59901




                                                                        4
    Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 5 of 50                      5




NMIIR, Kalispell Montana
Northwest Montana Associaton of Reaitors®
110 Cooperative Way
Kalispell, MT 59901

Tiffin Hall Law Office
124 Riverside
Suite 101
Eureka, MT 59917

J. Tiffin Hall
124 Riverside
SuHe 101
Eureka, MT 59917

30.) Scott Insurance 1 - CBIC ? 


31.) Scott insurance 2 - other 


32.) Nelson Construction Montana, Insurance Provider (Pending Defendant Name) 


33.) First American Title Insurance Provider (Pending Defendant Name) 


34.) Century 21 Real Estate LLC insurance Provider (Pending Defendant Name) 


35.) Century 21 Land Office Eureka Montana insurance Provider (Pending Defendant Name) 


36.) 1 - 50 John and Jane Does 





                                                                                           5
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 6 of 50   6




                                  Cause of Action



1.) Section 28: 1332bc Diversity - Breach of Contract

2.) 28: 1332ri Diversity-Racketeering (RICO) Act

3.} Intentional Misrepresentation

4.) Civil Conspiracy

5.) Fair Debt Collection Practices Act (FDCPA)

6.) Consumer Protection Act

7.) 28: 1332ds Diversity - Contract Dispute

8.) Truth in Lending Act (T1LA)


9.) 23:1441 Contract Real Estate

10.) 28:1332frDiverslty-Fraud

11.) 28: 1332pd Diversity - Property Damage

12.) 28:1332pi Diversity Personal Injury

13.) 28:1332pl Diversity Product Liability

14.) 18:0241 Conspiracy Against Citizen Rights

15.) 28:1343 Violation of Civil Rights

16.) 28:1332ds Diversity - Contract Dispute



                                                                       6
    Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 7 of 50       7




17. Negligence

18.) Fraud

19.) Implied Covenant of Good Faith and Fair Dealing

20.) Punitive Damages

21.) Breach of Duty, Breach of Care

22.) Real Estate Settlement Procedures Act (RESPA), 12 USC 1707, TITLE
12-BANKS AND BANKING, CHAPTER 13-NATIONAL HOUSING, USCTitle
42-The Public Health and Welfare Chapter 69, Sec. 5301, 5308, 5309.

23.) FDIC Law, Regulations, Related Acts

24.) MONTANA CREDIT UNION ACT

25.) Toxic Mold Safety and Protection Act of 2002" (H.R. 5040)



                                           Parties


1.) Ronald Nelson, Montana Resident

2.) Nelson Construction, Montana Construction Business, M:lld Remediation

3.) Randy Brosten,

4. ) Antonich Adjusters Inc - M:lntana

5. ) Christopher Vonge

6.) Scott A Curry, in his professional and personal capacity

7.} TLC Engineering, PE, LLC

8.} Kimberley A Remick,

                                                                            7
    Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 8 of 50   8




9.) Remick LLC

10. )Josh Tallmadge

11.) Cynthia B. Miler

12.) Judy Kirby

13.) Bruce Kirby

14.)Whitefish Credit Union

15.) Ray Fauth,

16.) Noel Appraisals

17.) Martha Noel

is.) Scott Rumble

19.) Abel Enginneering Inc.

20.) Tom Abel

21.) Century 21 Land Office Eureka Ivbntana

22.) Century 21 Real Estate LLC
     Realogy Holdings Corp.

23.) MkeWorkman

24.) Shannon Wolleat

25.) First American Title

26.) Kathy Schulte,

27.} Northwest Ivbntana Association of Realtors

28.) Tiffin Hall Law Office

29.) J. Tiffin Hall

                                                                        8
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 9 of 50                            9




30.) CBIC Contractor Bonding and Insurance Company

31.) Glacier Insurance

32.) Nelson Construction Montana, Insurance Provider (Pending Defendant Name)

33.) First American Title Insurance Provider (Pending Defendant Name)

34.} Century 21 Real Estate LLC Insurance Provider (Pending Defendant Name)

35.} Century 21 Land Office Eureka Montana Insurance Provider (Pending Defendant Name)




                                      Jury Demand



I. Plaintiff Crystal Cox hereby Demand a Trial by Jury regarding Ihis complaint and cause of
action.



                               Jurisdiction and Venue

Plaintiff appears in this action "In Propria Persona" and moves this court to proceed in
Fonma Pauperis, Plaintiff has attached a motion to proceed in Forma Pauperis.

This action arises as a result of Defendant(s) violation of Plaintiffs constitutional rights and,
accordingly, this Court has subject matter jurisdiction under 28 U.S.C. 1331, 1343, and
1367, as well as 42 U.S.C. 1983.

This action arises as a result of Defendant(s} violation of Plaintiffs Civil Rights,
Constitutional Rights and alleged conspiracy among rnedia, reporters, radios, attorneys
and law firms in which do business in California.

This case involved Defendant's of multiple states. Helena Montana is the place where
these Montana Businesses, Real Estate Agents, Engineers, Banking Industry Defendants..
are licensed a nd governed by the laws, rules and regulations of through the State of
Montana.

                                                                                               9
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 10 of 50 10




Plaintiff is a Resident of Washington State

28 U.S.C. § 1332 (diversity) because all the defendants live in a different state than plaintiff



                                     General Allegation

      Plaintiff Crystal L. Cox re-alleges, and fully incorporate all previous paragraphs ..

Plaintiff Crystal L. Cox Alleges as Follows upon knowledge and belief.

Plaintiff Crystal L. Cox Alleges that defendants have conspired against Plaintiff's rights and
this has caused Plaintiff irreparable harm. Plaintiff Crystal L. Cox Alleges that she is
entitled to all relief allowed by law,

Plaintiff Crystal L. Cox Alleges a breach of contract with Defendants in which has caused
Plaintiff irreparable harm.

Plaintiff Crystal L. Cox Allege that defendants have engaged in the causes of action cited
in this complaint and that these actions have caused damage to Plaintiff, This damage is
monetary loss, health issues, loss of home, loss of business, loss of reputation, loss of assets,
loss of clients and customers, life endangerment, duress, and loss of quality of life,

Plaintiff Crystal Cox alleges that Defendants endangered her life, and her quality of life
with total disregard, complete breach of duty, breach of contract and negligence.

Plaintiff Crystal L. Cox Alleges Defendants engaged in Civil Conspiracy to cover up a known
IIIbld Infestation of home located at 1 Drumlin Lane, Eureka, Mr.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that defendants have engaged
in conspiratorial patten and history that violates RICO Laws, in which have caused direct
harm to Plaintiff

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Scott Curry,
Montana Licensed Engineer of Defendant TLC Engineering violated contractual duties,
acted with negligence, committed fraud, falsified Mold testing data, violated breach of care
and breach of duty laws, violated the Consumer Protection act, caused personal and
property damage to Plaintiff, acted in conspiracy with others to commit fraud and actions

                                                                                                10
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 11 of 50 11




that directly harmed Plaintiff. Plaintiff Crystal L. Cox Alleges that she is entilled to
compensation ofthese damages, punitive damages and all relief allowable by law.

Plaintiff Crystal L. Cox Alleges that Defendant Scott Curry, Montana Engineer, of
Defendant TLC Engineering conspired with Defendant TLC, Defendant Kimberley A
Remick, Defendant Remick LLC, Defendant Josh Tallmadge, Defendant Tallmadge GIS and
Drafting LLC and Defendant Cynthia B. Miler. And they are liable for the damage caused to
Plaintiff. And that TLC's insurance provider TLC Glacier Insurance of Libby MTand CBIC
Contractor Bonding and Insurance Company are liable to damage done to Plaintiff. As is TLC
LLC members Defendants Donald C. Hillard, Teresa L. Curry, and Joseph Barcomb.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Scott Curry,
Defendant TLC Engineering, Defendant Kimberley A Remick, Defendant Remick LLC, and
John and Jane Doe Defendants knowingly falsified Mold testing data, lab reports and mold
technician inspection results in conspiracy to financially harm Plaintiff, ruin Plaintiffs business,
endanger Plaintiff's life and thereby has caused Plaintiff irreparable harm and suffering..

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Scott Curry,
Defendant TLC Engineering, Defendant Kimberley A Remick, Defendant Remick LLC, and
John and Jane Doe Defendants billed Plaintiff for Mold Testing, billed Plaintiff for Mold Lab test
and related drawings and report, yet did not perform these test, lied about the results of these
tests and I or falsified data in a way as to not disclose a massive Mold infestation causing
irreparable, immeasurable harm to Plaintiff.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that the above actions by
Defendant Scott Curry, Defendant TLC Engineering, Defendant Kimberley A Remick,
Defendant Remick LLC, and John and Jane Doe Defendants caused Plaintiff to sign a
settlement agreement on subject property in which Defendants were PAlO to test for MOLD,
based on the results given to Plaintiff by Defendant Scott Curry, Defendant TLC Engineering,
Defendant Kimberley A Remick, Defendant Remick LLC, and John and Jane Doe Defendants.

Plaintiff RELIED, fully on the Mold Testing of Defendant Scott Curry, Defendant TLC
Engineering, Defendant Kimberley A Remick, Defendant Remick LLC, and John and Jane
Doe Defendants to make a decision on a legal case in which cost Plaintiff approximately
$100,000 in liligation fees, of which over $50,000 of this money went 10 Defendant Scott Curry,
Defendant TLC Engineering, Defendant Kimberley A Remick, Defendant Remick LLC, and
John and Jane Doe Defendants to perform engineered, forensics inspections of Plaintiff'S home
located in Eureka Montana. Approx. $8000 of the money Plaintiff paid to Defendant Scott Curry,
Defendant TLC Engineering, Defendant Kimberley A Remick, Defendant Remick LLC,
Defendant josh Tallmadge, Defendant Cynthia B. Miler WPS directly for Mold Testing, Mold
Technician hours, Mold lab results, and mold reports.

                                                                                                   11
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 12 of 50 12




Defendant Scott Curry, Defendant TLC Engineering, Defendant Kimberley A Remick,
Defendant Remick LLC, were paid to test subject property at 1 Drumlin Lane Eureka Montana,
for M:lLD. Defendant Scott Curry, claimed Mold expertise to Plaintiff, billed Plaintiff for
Mold Testing and came up with no mold at subject property. (1 Drumlin Lane Eureka
Montana)

Plaintiff has recently found records, videos, and information that show I prove, that the 1 Drumlin
Lane home indeed had I has Stachybotrys mold, which is a well known toxic black mold.

Upon Knowledge and belief, In the Fall of 2006, just after Defendant Scott Curry, Defendant
TLC Engineering told Plaintiff to move out of this home due to structural safety and
possible toxic mold related issues, as seen in letter from Defendant Scott Curry, Defendant
TLC Engineering December 8th 2006 regarding Plaintiff moving out of the home upon his
request October 1st of 2006, Plaintiff told Defendant Scott Curry that Defendant Judy Kirby
of Defendant BJCC inspections had Told Plaintiff Cox thatthe home had Stachybotrys
mold, according to a prior inspection she knew of.

Defendant Judy Kirby gave no further details to Plaintiff on that matter and in fact Defendant Judy
Kirby of Defendant BJCC inspections performed a home inspection on the home for and in
civil conspiracy with Defendant J. Tiffen Hall, just weeks before Plaintiff agreed to a
settlement and failed to disclose her knowledge of Mold related issues in that inspection,
thereby causing Plaintiff irreparable harm and damage. Plaintiff C rystal COX alleges this to
be deliberate, knowing fraud on the courts as Judy Kirby knew the home had a MOLD
infestation.

Plaintiff was forced from the home, under massive duress and Defendant Whitefish Credit
Union seized the home at some point, therefore Plaintiffs records, files, videos, data were
lost, stored for years and this matter is now, for the first time provable to Plaintiff and
therefore Plaintiff is filing this legal action many years later, as Upon knowledge and Belief
of Plaintiff Crystal L. Cox there is no statute of limitation on fraud, and related matters in this
complaint.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Plaintiff would not have
agreed to a settlement offer on said property for less than replacement of the home, cost of
moving, rentals,litigation, health costs, and punitive damages had there been MOLD found
in the chimney BEFORE signing the settlement document. This amount, at that time would
have been no less than $1.8 million replacement and an additional million at the very least
for the rest ofthe damages suffered to Plaintiff, this on top of the price to remove the home
and costs of litigation, forensics engineers, attomeys and other related cost. Note, Plaintiff
                                                                                                 12
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 13 of 50 13




Crystal Cox did, in fact sign the Settlement agreement in this matter, an agreement of
which had the report, photos, words, data of Engineer, Mold Expert Defendant Scott Cuny,
Defendant TLC Engineering, Defendant Kimberley A Remick (M:lld Technician), and
Defendant Remick LLC, Nt agreement of which NO M:lld was disclosed, found or factored into
the settlement agreement signed by Plaintiff in this legal matter,

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that due to Defendant's not
finding, reporting on, disclosing mold issues ofthe home, Plaintiff RELIED on this as
scientific fact and therefore signed a settlement agreement of which she would NEVER
have signed if it were not for the report of Engineer, Mold Expert Defendant Scott Cuny,
Defendant TLC Engineering, Defendant Kimberley A Remick ( M:lld Technician), and
Defendant Remick LLC. Ntd there, allegedly being no M:lld in the home per this costly, scientific,
expert MOLD TESTING provide by Engineer, Mold Expert Defendant Scott Cuny, Defendant
TLC Engineering, Defendant Kimberley A Remick (M:lld Technician), and Defendant Remick
LLC, and billed by Defendant TLC Engineering and Defendant Cynthia B. Miler.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Montana Engineer, Mold
Expert Defendant Scott Cuny, Defendant TLC Engineering, Defendant Kimberley A
Remick ( M:lld Technician), and Defendant Remick LLC deliberately, maliciously, intentionally
misled Plaintiff, as it appears that photos have been taken inside the chimney by
Defendant Scott Curry, Defendant TLC Engineering, Defendant Kimberley A Remick,
Defendant Remick LLC, and John and Jane Doe Defendants as shown in settlement agreement.

Photos of the inside of the Chimney, in the Settlement Agreement, of which was the reason
Plaintiff agreed to the settlement agreement, yet ~ appears that Defendants did not go into the
chimney, did not perform the MOLD tests, and created fraudulent structural data and mold
reports. As the chimney was clearly FULL ofTOXIC black mold.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that this nearly $50,000
forensics report was fraudulent, and caused Plaintiff irreparable, immeasurable harm.

M:lntana Engineer, Mold Expert Defendant Scott Cuny, Defendant TLC Engineering,
Defendant Kimberley A Remick ( M:lld Technician), and Defendant Remick LLC, led Plaintiff to
belief that they had, INDEED, entered this massive 1Ox1Ox30 chimney and had taken photos,
preformed M:lld tests inside of the chimney and that Defendant Scott Cuny, Defendant TLC
Engineering along with Defendant Josh Tallmadge, Defendant Tallmadge GIS and Drafting LLC
and Defendant Cynthia B. Miler performing massive, detailed forensic drawings of the home.




                                                                                                  13
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 14 of 50 14




Upon knowledge and Belief, This led Plaintiff to believe that Defendants Defendant Josh
Tallmadge, Defendant Tallmadge GIS and Drafting LLC had entered the Chimney. The reports
spoke of structure issues inside the chimney, the bills showed Mold Technician hours and lab
hours, and yet after the Plaintiff signed the settlement agreement, and hired a contractor to fIX
the structure issues, Plaintiff discovered a chimney full of Stachybotrys mold, which is a well
known toxic black mold just as Defendant Judy Kirby had told Plaintiff Crystal Cox, and Plaintiff
had alerted Defendant Scott Curry at that time as to needing to hire a Mold Expert for extensive
testing. Defendant Scott Curry already discussed concems of Mold issues in prior reports, letter
and billing to Plaintiff. However this information regarding the known infestation of toxic black
mold, Stachybotrys mold, caused a reaction in Plaintiff to demand and pay for a highly technical
testing process. Of which, at that time, Defendant Scott Curry claimed he was an expert in, as
the record shows.

Upon knowledge and Belief, Defendant Scott Curry, Defendant TLC Engineering, his mold
technician Defendant Kimberley A Remick of Defendant Remick LLC performed heat analysis
testing, mold testing inside walls, and a massive, costly scientific MOLD inspection of the home,
and mainly, extensively of the KNOWN problem area which was the epicenter of the legal action
and danger of home to it's occupants, whiCh was the massive chimney.

Plaintiff hired Defendant Scott Curry, Defendant TLC Engineering, his mold technician
Defendant Kimberley A Remick of Defendant Remick LLC per his expertise, and come to find
out the chimney was full of MOLD and the Plaintiff had no recourse at the time it was discovered,
as all the settlement agreement money was used on fixing structural issues, with no knowledge
of MOLD. Plaintiff had no money, no place to live, and no way to fight back. Just after this all
records were lost for years, and have been recently discovered.

Plaintiff had moved back into the home and became very ill unknOWingly. Months prior to threats
of foreclosure Plaintiff had a buyer for said property, and an offer of on the home. Yet buyer noted
that the Chimney leaked, and there were massive water stains on new construction, the
chimney had still leaked after massive amounts of money were paid to Defendant Ron Nelson of
Defendant Nelson Construction to fIX the iss ue.

Upon knowledge and Belief, Defendant Ron Nelson of Defendant Nelson Construction billed
approx. $118,000 in the first 3 months after Plaintiff Crystal Cox hired him, yet he had not fixed
the leak and simply used up all of Plaintiff's settlement agreement money. This caused loss of a
buyer, loss of being able to insure the home, health risk, massive stress, and eventually the loss
of the home and quality of life of Plaintiff. Defendant Ron Nelson of Defendant Nelson
Construction acted with malice and knowingly falsified information to Plaintiff's insurance
company and to Plaintiff, this has caused irreparable harm of which Defendant Ron Nelson of
Defendant Nelson Construction is liable to Plaintiff for.




                                                                                                 14
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 15 of 50 15




Upon knowledge and Belief, the settlement money was gone entirely, In June of 2009 and the
roof was STILL LEAKING, though by this point, Defendant Ron Nelson of Defendant Nelson
Construction was paid approx. $200,000 to repair the structural defects stemming from the
lawsuit settlement agreement money, originated at that Chimney.

Defendant Ron Nelson, Defendant Nelson Construction filed an insurance claim through our
home insurance, by he himself contacting Defendant Randy Brosten insurance adjuster of
Defendant Antonich Adjusters Inc owned by Defendant Christopher Yonge.

Defendant Ron Nelson, Defendant Nelson Construction worked with Plaintiff Cox and Defendant
Randy Brosten on this issue, as the record shows.

Defendant Ron Nelson, Defendant Nelson Construction did not do the job he was under contract
to do and in such committed fraud against Plaintiff and insurance company, in whiCh led to
massive stress of Plaintiff, loss of business, loss of home and immeasurable damage.

Defendant Ron Nelson, Defendant Nelson Construction opened several claims during this Mlld
Litigation project, so many that Plaintiff lost the ability to insure the home and was then in breach
of the mortgage, per agreements with Defendant Whitefish Credit Union.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Ron Nelson,
Defendant Nelson Construction conspired with Defendant Randy Brosten insurance adjuster of
Defendant Antonich Adjusters Inc to commit fraud to Flathead Farmers insurance company,
Ellingson Agency, the insurance provider for Plaintiffs home.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Ron Nelson,
Defendant Nelson Construction had years of prior business relations with Defendant Randy
Brooten insurance adjuster of Defendant Antonich Adjusters Inc and that Defendant Randy
Brosten simply did as Defendant Ron Nelson asked of him, with no investigation into the matter
at issue.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Ron Nelson,
Defendant Nelson Construction either disclosed a chimney full of MOLD to Defendant
Randy Brosten insurance adjuster of Defendant Antonich Adjusters Inc and they conspired
to defraud the insurance company and the Plaintiff, or Defendant Ron Nelson, Defendant
Nelson Construction simply lied to Defendant Randy Brosten insurance adjuster of
Defendant Antonich Adjusters Inc. in stating that the chimney leak was a new issue and not
disclosing that he was using the insurance money to mitigate MOLD in a chimney that he
was hired to fix, years prior and had either not noticed the MOLD issue,




                                                                                                   15
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 16 of 50 16




hid the MOLD issue or committed fraud against the Plaintiff of which he gave the original
bid to the project in the name of and was hired by, as he was a family recommendation
through Plaintiff Coxto the project.

Defendant Ron Nelson, Defendant Nelson Construction allegedly mitigated the MOLD, the buyer
was lost. The home went into foreclosure that next year under Defendant Whitefish Cred~ Union
soon after. In March of 2011, Plaintiff Cox contacted the buyer again to see if he was interested
in buyer for a third the price he had offered in order to stop the home from being foreclosed upon.
He was interested and made an offer to Plaintiff Cox. Upon a tour of the home, it was blatantly
obvious that still in March of 2011 the roof leaked, and seemingly worse than ever.

Defendant Ron Nelson, Defendant Nelson Construction used all of the money obtained to fix the
home through the signing of the settlement agreement by Plaintiff Cox, yet he never did fix the
leak, the issue that caused the lawsuit to begin with. Defendant Ron Nelson, Defendant Nelson
Construction caused irreparable harm and stress to Plaintiff. The last Plaintiff knows, the roof all
around the chimney and attached beams still leak.

Defendant Ron Neison, Defendant Nelson Construction acted with malice, intentional
misrepresentation, breach of contract, fraud, breach of duly, breach of care, violations of
the consumer protection act, diversity personal energy, product liability,civil conspiracy,
negligence, Implied Covenant of Good Faith and Fair Dealing, and interfered with the
insurance contracts and lending contracts causing hanm to Plaintiff.

After Defendant Ron Nelson made Plaintiff Crystal Cox aware that this maSSive Chimney is I
was infested with Stachybotrys mold, assured Plaintiff Cox that he had credentials in Mold
Mitigation and was qualified and procured insurance money to mijigate this Mold. Plaintiff Crystal
Cox made an in person visit to Defendant Ray Fauth of Defendant Wh~efish Credit Union and
updated him on the situation with the house, as she had done for years, as the record shows.

Plaintiff Crystal Cox emailed Defendant Ray Fauth of Defendant Whitefish Credit Union and
oftentimes would stop into his office and see him in person to update him on the lawsuit,
chances of settling, potential buyers and the financial status of the property and properties that
were leveraged, regarding the subject property loan.

After the Mold Issue, and the possible buyer, Plaintiff Crystal Cox made an in person visit to
Defendant Ray Fauth of Defendant Whitefish Cred~ Union and told him about the possible buyer,
discussed renewing the loan on the home, as she often did, and informed him that the chimney
had a Stachybotrys mold, black mold infestation. Defendant Ray Fauth of Defendant Whitefish
Credit Union asked if the structure was fixed, and Plaintiff Crystal Cox told Defendant Ray Fauth
of Defendant Whitefish Credit Union we had used the settlement agreement money to pay
contractor Defendant Ron Nelson, Defendant Nelson Construction to fix the structure just as
Defendant Ray Fauth of Defendant Whitefish Credit Union and I, Plaintiff Crystal Cox had

                                                                                                     16
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 17 of 50 17




discussed prior and as Defendant Ray Fauth of Defendant Whitefish Credit Union
recommended we do.

Plaintiff Cox had made such an in person visit to Defendant Ray Fauth of Defendant Whitefish
Credit Union, prior to her interview I initial bid consult with Defendant Ron Nelson, and after
Plaintiff Crystal Cox signed the setltement agreement for money to fix the house from a legal
action against the prior seller.

 Defendant Ray Fauth of Defendant Whitefish Credit Union advised Plaintiff Cox that it would be
best to use the settlement agreement money to fix the structural deficiencies of the home rather
than to pay down the loan on the home. Plaintiff Cox had initiated the loan dealings for the home
starting in January of 2006, and set the loan up through Defendant Ray Fauth of Defendant
Whitefish Credit Union, as the records show. Defendant Ray Fauth of Defendant WhHefish
Credit Union knew that Plaintiff Cox paid the interest on the loan and was treated by Defendant
Ray Fauth of Defendant Whitefish Credit Union as a full owner from the first point of contact on
the loan. Therefore, Plaintiff Cox, kept Defendant Ray Fauth of Defendant Whitefish Credit Union
involved every step of the way.

Upon knowledge and belief, In regard to the MOLD issue Defendant Ray Fauth of Defendant
Whitefish Credit Union asked me, Plaintiff Cox if the MOLD had been mitigated?

 Plaintiff Cox told Defendant Ray Fauth of Defendant Whitefish Credit Union that Defendant Ron
Nelson, Defendant Nelson Construction assured Plaintiff Cox that he was certified in Mold
Mitigation and that he had procured insurance money from the home to mitigate the MOLD, yet
he told the insurance company it was a new problem and told us he would handle it. We really
had no idea what Defendant Ron Nelson told Defendant Randy Brosten insurance adjuster of
Defendant Antonich Adjusters Inc.when they met on site in person over the insurance claim.

Plaintiff does now know that Defendant Ron Nelson, Defendant Nelson Construction opened
several claims over this issue and used Defendant Randy Brosten insurance adjuster of
Defendant Antonich Adjusters Inc. Plaintiff knows this due to denial of home ins urance because
of Defendant Ron Nelson opening several claims and stating to Plaintiff that it was the same
claim.

Defendant Ron Nelson, Defendant Nelson Construction led Plaintiff to believe it was one new
claim and a new problem, this became obvious as to not being true, AFTER the insurance
money was procured, the setltement money was gone and the Chimney had been entered by
Defendant Ron Nelson, Defendant Nelson Construction and black Mold was found.

 Turns out it was not a new problem as Defendant Ron Nelson, Defendant Nelson Construction
TOLD Defendant Randy Brosten insurance adjuster of Defendant Antonich Adjusters Inc but part
ofthe old problem ofwhich Defendant Ron Nelson, Defendant Nelson Construction had already
been paid over $200,000 to fix, and it also became blatantly obvious at this point that Defendant

                                                                                                  17
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 18 of 50 18




Ron Nelson, Defendant Nelson Construction had committed fraud against the Plaintiff, had
violated breach of contract laws, misrepresented himself, was in violation of the Consumer
Protection Act, had conspired with other Defendants to secure money, had falsified information,
and had never entered the chimney prior as he led Plaintiff to do and was hired by Plaintiff to do.

Upon knowledge and belief, On this visit to Defendant Ray Fauth of Defendant Whitefish Credit
Union by Plaintiff Cox, after informing Defendant Ray Fauth of the IIi\old infestation, he simply
stated that if Plaintiff Cox felt Nelson Construction was qualified to mitigate the IIi\old issue and
had done so, then he had no issue with it. At this time I also told him that Leslie Tumer did not
know about the infestation, as she was not home that day and Defendant Ron Nelson,
Defendant Nelson Construction suggested that Leslie Turner did not have to know. Plaintiff Cox
agreed, as the money to fix the home was entirely spent, the settlement agreement was signed,
and Leslie Turner had dealt with a massive amount of stress over years, and the choice was
made to simply not tell her and to mitigate the IIi\old. Defendant Ray Fauth of Defendant
Whitefish Credit Union, Defendant Ron Nelson, Defendant Nelson Construction and Plaintiff Cox
were the only ones who knew of the IIi\old issue. Plaintiff Cox was unable to prove the events
that took place until recently upon find the evidence in this matter..

Upon knowledge and belief, Having since lost the home to the predatory lending practices of
Defendant Ray Fauth of Defendant Whitefish Credit Union AND Plaintiff Cox having been in
contact with Leslie Turner after 3 years, Plaintiff Cox realized that they both had similar health
issues over years and that possibly there was fraud involved with situation, and after years of
Plaintiff Cox's belongings being in storage, she found the documentation of the case and videos
Plaintiff Cox had taken of the IIi\old infestation, and therefore this complaint is being filed now as
the evidence is available to provide to this court

Plaintiff Crystal Cox has contracts with Defendant Ron Nelson, Defendant Nelson Construction,
bids in her name, Plaintiff Crystal Cox has emails with Defendant Ray Fauth of Defendant
Whitefish Credit Union, Defendant Ron Nelson, Defendant Nelson Construction, and with
Defendant Scott Curry, Defendant TLC Engineering. Plaintiff Crystal Cox has video
documentation of IIi\old, and billig from Defendant Scott Curry, Defendant TLC Engineering for
Mold Tests, Lab Test, Mold Technicians. Until now, Plaintiff Crystal Cox did not have access
to aU of this documentation due to the loss of her home, displacement and extreme personal
circumstances.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Cynthia B.
Miller conspired with Douglas Law Firm and Defendant TLC Engineering in fraudulent
billing to Plaintiff, in which caused Plaintiff harm.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Josh
Tallmadge, Defendant Tallmadge GIS and Drafting LLC is in violation of breach of
contract, breach of care, breach of duty, negligence, fraud, personal and property injury,

                                                                                                     18
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 19 of 50 19




civil conspiracy, intentional misrepresentation, and has aided and abetted other
defendants. Defendant Josh Tallmadge, Defendant Tallmadge GIS and Drafting LLC
created engineered drawings of Plaintiff's home, drawings of which were ofthe entire
structure, with reports emphasizing on the chimney and it's issue of load bearing and
structure problems.

 Upon knowledge and Belief, Plaintiff RELIED on these drawings and their accuracy in
agreeing to sign a major financial settlement agreement. Defendant Josh Tallmadge,
Defendant Tallmadge GIS and Drafting LLC committed fraud, as either Defendant Josh
Tallmadge, Defendant Tallmadge GIS and Drafting LLC did not enter the chimney structure and
provide accurate drawings or Defendant Josh Tallmadge, Defendant Tallmadge GIS and
Drafting LLC did enter the structure and FAILED to notify TLC Engineering and Plaintiff of an
obvious Mlld Infestation. Defendant Josh Tallmadge, Defendant Tallmadge GIS and Drafting
LLC was paid a large amount of money to create engineered drawings of this home, and seems
to have lied to Plaintiff in regard to the accuracy of said drawings, thereby causing Plaintiff harm
of which Defendant Josh Tallmadge, Defendant Tallmadge GIS and Drafting LLC and other
Defendants are liable for.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Randy Brosten
of Antonich Adjusters Inc. conspired with Defendant Ron Nelson, Defendant Nelson
Construction in civil conspiracy, breach of contract, negligence, breach of duty, fraud,
intentional misrepresentation and more that cause Plaintiff harm.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Judy Kirby,
Defendant Bruce Kirby, Defendant BJCC Inspections violated breach of contract, breach of care,
breach of duty, fraud, non-disclosure laws, consumer protection act, fraud, conspiracy against
rights, violation of civil rights, property damage, and civil conspiracy.

Upon knowledge and BeUef, Plaintiff Crystal L. Cox Alleges that Defendant Judy Kirby knew
of prior home inspections in which reported toxic black mold on the subject property and yet
Defendant Judy Kirby, Defendant Bruce Kirby, Defendant BJCC Inspections conspired with
Defendant Tiffin Hall Law Office, Defendant J. Tiffin Hall to cover up the known mold issue, and
created an inspection report that Defendant Tlllen used in reaching a settlement agreement of
which Plaintiff relied upon and therefore signed the settlement agreement and was irreparable,
immeasurably harmed. And therefore entitled to financial relief.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Scott Rumble,
home appraiser acted in civil conspiracy, misrepresentation, neglect, breach of duty,
breach of care, and breach of contract. A horne appraiser should have looked inside a
chimney of this size. Per the appraisal documents it is the duty of an appraiser to look for

                                                                                                  19
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 20 of 50 20




environmental hazards. Had Defendant Scott Rumble of Defendant Noel Appraisals looked in
the Chimney, Plaintiff would not have bought said property in the first place.
Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Tom Abel of
Defendant Abel Engineering Inc. should have found M::>LD in the chimney and reported this M:lld.
Mold and structure issues are stated in the forensics engineered reported, yet Defendant Tom
Abel did not find black mold and report this massive liability. Instead Defendant Tom Abel
conspired with Defendant Tiffin Hall Law Office, Defendant J. Tiffin Hall and performed an alleged
forensics engineered report without going into this massive structure that had been reported to
be the issue of the entire legal action.

Plaintiff Called Defendant Tom Abe when roof first started leaking, Defendant Tom Abe said
call a Roofer. Defendant Tom Abe had knowledge of issue, and later worked for other side of
legal case, and yet with full knowledge of water damage, and chimney issue, did not go inside of
the chimney, Plaintiff Cox alleges this to be fraudulent, negligent and a violation of law that
caused Plaintiff Harm.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that Defendant Century 21 Land
Office Eureka M:lntana, Defendant Century 21 Real Estate LLC, Defendant Mke Workman,
Defendant Shannon Wolleat, Defendant First American Title, Defendant Kathy Schulte, and
Defendant Northwest M:lntana Associaton of Realtors (NMAR) conspired to cover up a mold
inspection, home inspection, or engineered inspection in which disclosed defects in the home,
and mold issues. Records show sail fails on the property that are unaccountable for. Plaintiff
Cox alleges this to be fraudulent, negligent and a violation of law that caused Plaintiff Harm.

Defendant Judy Kirby told Plaintiff Cox of a prior inspection where black mold was found in the
home, yet refused to give plaintiff documentation or the names of parties involved in the mold
inspection. Defendant Shannon Wolleat, Defendant First American Title had a stiCky note on a
file that scheduled an inspection that was never disclOSed to Plaintiff. Plaintiff Cox alleges this to
be fraudulent, negligent and a violation of law that caused Plaintiff Harm.

Upon knowledge and Belief, Plaintiff Crystal L. Cox Alleges that these defendants acted
with malice and intentional misrepresentation, breach of contract, breach of duty of care,
fraud, consumer protection violations, Conspiracy Against Citizen Rights, Negligence,
bnplied Covenant of Good Faith and Fair Dealing and all causes of action in this case are
affected by defendants actions in which caused Plaintiff irreparable harm.




                                                                                                   20
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 21 of 50 21




 Plaintiff appears in this action "In Propria Persona" and asks that her points and
 authorities relied upon herein, and issues raised herein, must be addressed "on
                  the merits" and not simply on her Pro Se Status.

Oftentimes courts do not take Pro Se Litigants serious. I, Plaintiff Crystal Cox wish to be
taken serious and to not have my allegation dismissed.

"Court errs if court dismisses pro se litigant without instructions of how pleadings are
deficient and how to repair pleadings." Plaskey v CIA, 953 F .2nd 25. The Court granted
such leniency, or "liberal construction: to pro se pleadings against the backdrop of Conley
v. Gibson's undemanding "no set of facts" standard. (See Conleyv. Gibson, 355 U.S. 41,
45-46 (1957) ("[A] compiaintshould not be dismissed for failure to state a claim unless it
appears beyond doubtthatthe plaintiff can prove no set of facta in support of his claim
which would entitle him to relief."), abrogated by Bell Atl. Corp. v. Twombly, 550 U.S. 544,
561-63 (2007). This standard epitomized the notice-pleading regime envisioned by the
drafters of the Federal Rules, who emphasized discovery as the stage at which a claim's
true merit would come to light, rather than pleading. See Christopher M. Fairman, The Myth
of Notice Pleading, 45 ARIZ. L. REV. 987, 990 (2003) ("With merita determination as the
goal, the Federal Rules create a new procedural system that massively deemphasizes the
role of pleadings.').

The Court's failure to explain how pro se pleadings are to be liberally construed. ( See
Bacharach & Entzeroth, supra note 7, at 29-30 (asserting that because the
Supreme Court never defined the "degree of relaxation" afforded pro se pleadings in
comparison to the liberal notice pleading standard applicable to alilitiganta, lower
courts adopted different iterations of the rule). - .. indicates ita belief that the standard was
already lenient enough to render a detailed articulation of the practice unnecessary to
prevent premature dismissal of meritorious cases. However, with Bell Atlantic Corp. v.
Twombly (550 U.S. 544 (2007). and Ashcroftv.lqbal ( 129 S. Ct. 1937 (2009) retiring the
"no set of facts" standard and ratifying the means by which lower courts dismissed more
disfavored cases under Conley, ( See generally Richard L Marcus, The Revival of Fact
Pleading Under the Federal Rules of Civil Procedure, 86 COLUM. L REV. 433, 435-37
(1986) (explaining how the reemergence of fact pleading resulted from lower courts'
refusals to accept conclusory allegations as sufficient under the Federal Rules in particular
categories of suits) .

.. liberal construction as presently practiced is not-if it ever was-sufficient to protect pro
se litigants' access to courts. The new plausibility standard ( See Twombly, 550 U.S. at
570 (requiring a complaint to allege "enough facta to state a claim to relief that is plausible
                                                                                               21
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 22 of 50 22




on its face") .. with which courts now determine the adequacy of complaints
disproportionately harms pro se litigants. (See Patricia W Hatamyar, The Tao of
Pleading: Do Twombly and Iqbal Matter Empirically?, 59 AM, U. L. REV. 553, 615 (2010)
(observing a substantially greater increase in the rate of dismissal of pro se suits than
represented suits post-lqbaQ.

"Pro se complaint[s], 'however inartfully pleaded,' [are] held to 'less stringent standards
than formal pleadings drafted by lawyers. (Estelle v. Gamble, 429 U.S. 97, 106 (1976)
(quoting Haines v, Kemer, 404 U.S. 519, 520-21 (1972) (per curiam)).

HAINES v. KERNER, ET AL. 404 U.S. 519, 92 S. Ct. 594, 30 L. Ed. 2d 652. Whatever
may be the limits on the scope of inquiry of courts into the internal administration of prisons,
allegations such as those asserted by petitioner, however inartfully pleaded, are sufficient
to call for the opportunity to offer supporting evidence. We cannot say with assurance that
under the allegations of the pro se cornplaint, which we hold to less stringent standards
than formal pleadings drafted by lawyers, it appears "beyond doubt that the plaintiff can
prove no set of facts in support of his claim which would entitle him to relief." Conley v.
Gibson, 355 U.S. 41, 45-46 (1957). See Dioguardi v. Duming, 139 F.2d 774 (CA2 1944).

ESTELLE, CORRECTIONS DIRECTOR, ET AL. v. GAMBLE 29 U.S. 97, 97 S. Ct. 285,
50 L. Ed. 2d 251. We now consider whether respondent's complaint states a cognizable
1983 claim. The handwritten pro se document is to be liberally construed. As the Court
unanimously held in Haines v. Kemer, 404 U.S. 519 (1972), a pro se complaint, "however
inarlfully pleaded," must be held to "less stringent standards than formal pleadings drafted
by lawyers" and can only be dismissed for failure to state a claim if it appears "beyond
doubt that the plaintiff can prove no set of facts in support of his claim which would entitle
hirn to reliet." Id., at 520-521, quoting Conley v. Gibson, 355 U.S. 41,45-46 (1957)

BALDWIN COUNTYWELCOME CENTER v. BROWN 466 U.S. 147, 104 S. Ct. 1723, 80
L. Ed. 2d 196,52 U.S.L.W 3751. Rule 8(f) provides that" pleadings shall be so construed
as to do substantial justice." We frequently have stated that pro se pleadings are to be
given a liberal construction.

HUGHES v. ROWE ET AL. 449 U.S. 5,101 S. Ct. 173,66 L. Ed. 2d 163,49 U.S.L.W
3346. Petitioner's complaint, like most prisoner complaints filed in the Northern District of
Illinois, was not prepared by counsel. ~ is settled law that the allegations of such a
cornplaint, "however inartfully pleaded" are held "to less stringent standards than formal
pleadings drafted by lawyers, see Haines v. Kerner, 404 U.S. 519, 520 (1972). See also
MaClin v. Paulson, 627 F.2d 83, 86 (CA71980); French v. Heyne, 547 F.2d 994, 996 (CA7

                                                                                              22
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 23 of 50 23




1976). Such a complaint should not be dismissed for failure to state a claim unless it
appears beyond doubt that the plaintiff can prove no set of facts in support of his claim
which would entitle him to relief. Haines, supra, at520-521. And, of course, the allegations
of the complaint are generally taken as true for purposes of a motion to dismiss. Cruz v.
Beto, 405 U.S. 319, 322 (1972).

Both the right to proceed pro se and liberal pleading standards reflect the modern civil
legal systern's emphasis on protecting access to courts. ( See, e.g., Phillips v. Cnty. of
Allegheny, 515 F.3d 224, 230 (3d Cir. 2008) ("Few issues ... are more significant than
pleading standards, which are the key that opens access to courts."); Drew A. Swank, In
Defense of Rules and Roles: The Need to Curb Extreme Forms of Pro Se Assistance and
Accommodation in Litigation, 54 AM. U. L. REV. 1537, 1546 (2005) (noting that "[oJpen
access to the courts for all citizens" is one of the principles upon which the right to
prosecute one's own case is founded).

Self-representation has firm roots in the notion that all individuals, no matter their
status or wealth, are entitled to air grievances for which they may be entitled to
relief. (See Swank, supra note 1, at 1546 (discussing the importance of
self-representation to the fundamental precept of equality before the law).

Access, then, must not be contingent upon retaining counsel, lest the entitlement become a
mere privilege denied to certain segments of society. Similarly, because pleading is the
gateway by which litigants access federal courts, the drafters of the Federal Rules of Civil
Procedure purposefully eschewed strict sufficiency standards. (See Proceedings of the
Institute on Federal Rules (1938) (statement of Edgar Tolman), reprinted in RULES OF
CNiL PROCEDURE FOR THE DISTRICT COURTS OF THE UNrrED STATES 301-13
(William W. Dawson ed., 1938).

In their place, the drafters instituted a regime in which a complaint quite easily entitled its
author to discovery in order to prevent dismissal of cases before litigants have
had an adequate opportunity to demonstrate their merit. (See Mark Herrmann, James M.
Beck & Stephen B. Burbank, Debate, Plausible Denial: Should Congress Overrule
Twombly and Iqbal? 158 U. PA. L. REV. PENNUMBRA 141,148 (2009), (Burbank,
RebutiaQ (asserting that the drafters of the Federal Rules objected to a technical pleading
regime because it would "too often cutl] off adjudication on the merits").

Recognizing that transsubstantive pleading standards do not sufficiently account for the
capability differential between represented and unrepresented litigants, the Supreme Court
fashioned a rule of special solicitude for pro se pleadings. ( See Robert Bacharach & Lyn

                                                                                             23
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 24 of 50 24




Entzeroth, Judicial Advocacy in Pro Se Litigation: A Return to Neutrality, 42 IND. L.REV.
19,22-26 (2009) (noting that courts created ways to ensure that meritorious pro se suits
would not be dismissed simply because the litigants lacked legal knowledge and
experience, one of which was liberal construction).

Far from just articulating a common systemiC value, though, the right to prosecute one's
own case without assistance of counsel in fact depends significantly upon liberal pleading
standards. ( Cf. Charles E. Clark, The New Federal Rules of Civil Procedure: The Last
Phase- Underlying Philosophy Embodied in Some ofthe Basic Provisions of the New
Procedure, 23 A.B.A. J. 976, 976-77 (1937) (commenting that liberal pleading rules were
necessary to mitigate information asymmetries between plaintiffs and defendants that often
led to premature dismissal of suits).

Notably, in no suits are such information asymmetries more apparent than those in which
pro se litigants sue represented adversaries. These types of suits comprise the vast
majority in which pro se litigants appear. Cf. Jonathan D. Rosenbloom, Exploring Methods
to Improve Management and Faimess in Pro Se Cases: A Study of the Pro Se Docket in
the Southern District of New York, 30 FORDHAM URB. L.J. 305, 323 (showing thatthe
majority of pro se cases involve unrepresented plaintiffs wIho sue govemmental
defendants).

Plaintiff appears in this action "In Propria Persona" and asks that her points and
authorities relied upon herein, and issues raised herein, must be addressed "on the
merits", Sanders v United States, 373 US 1, at 16,17 (1963); and addressed with "clarity
and particularity", McCleskey v Zant, 111 S. Ct. 1454, at 1470-71 (1991); and afforded" a
full and fair" evidentiary hearing, Townsend vSain, 372 U.S.293, at p.1 (1962). See also
Pickering v Pennsylvania Railroad Co., 151 F.2d 240 (3d Cir. 1945).

Pleadings of the Plaintiff SHALL NOT BE dismissed for lack of form or failure of process.


All the pleadings are as any reasonable maniwoman would understand, and: "And be it
further enacted. That no summons, writ, declaration, retum, process, judgment, or other
proceedings in civil cases in any of the courts or the United States, shall be abated,
arrested, quashed or reversed, for any defect or want ofform, but the said courts
respectively shall proceed and give judgment according as the right ofthe cause and
matter in law shall appear unto them, without regarding any imperfections, defects or want
ofform in such writ, declaration, or other pleading, returns process, judgment, or course of
proceeding whatsoever, except those only in cases of demurrer, which the party demurring
shall specially sit down and express together with his demurrer as the cause thereof.

                                                                                            24
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 25 of 50 25




And the said courts respectively shall and may, by virtue of this act, from time to lime,
amend all and every such imperfections, defects and wants of form, other than Ihose only
which the party demurring shall express as aforesaid, and may at any, time, permit either
ofthe parties to amend any defect in the process of pleadings upon such
conditions as the said courts respectively shall in their discretion, and by their
rules prescribe (a)" Judiciary Act of September 24, 1789, Section 342, FIRST
CONGRESS, Sess. 1, ch. 20, 1789.

Plaintiff appears in this action "In Propria Persona" and wishes that her points and
authorities relied upon herein, and issues raised herein, be addressed "on the merits" and
not simply on her Pro Se Status.




                                  Factual Allegations

Plaintiff Crystal L. Cox re-alleges, and fully incorporate all previous paragraphs.

The Following is stated Upon the knowledge and belief of P laintiff Crystal Cox:

Plaintiff Crystal Cox is a resident of Washington State.

Upon information and belief, Defendants are all residents of the Siale of Montana.

In 2004, after selling a Ranch in Montana, Plaintiff opened a real estate company in
Oregon, and moved to Oregon at that time. In January 2006 Plaintiff made the decision to
move back to Montana. This decision 10 go through the expense to move a thousand miles
back to Montana was based solely on the Opportunity thallhe "Terry Property" "1 Drumlin"
Lane represented to us and to our business, which at that point was muRiple real estate
agents, and a large Intemet Markeling Company. A home I and business space of this size
was needed 10 maintain and grow our business, and to hire on more help, and contract with
mora agents as well as to maintain our existing business.

January of 2006, Plaintiff Crystal L. Cox contacted Ray Fauth, Whitefish Credit Union Loan
Officer, regarding securing a loan for 1 Drumlin lane through lhe Whitefish Credit Union. I,
Plaintiff Crystal L. Cox, explained to Defendant Ray Fauth that we had a ranch property in
Oregon we were selling and had a small amount to put down on the Terry Property ( 1
Drumlin Lane). Defendant Ray Fauth worked a deal with me whereby we would put down
                                                                                          25
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 26 of 50 26




a certain amount, can it a construction loan, pay interest only and then pay off the home
when and if the Oregon property Sold. These initial conversations were just between
Defendant Ray Fauth and Plaintiff Crystal Cox. Once the deal was worked out, Leslie
Turner reviewed and signed the documents. As the record shows.

On January 25th 2006 Defendant Scott Rumble of Defendant Noel and Associates
Limited, appraised the 1 Drumlin Property for client: Defendant Whitefish Credit Union.

Plaintiff Crystal L. Cox alleges that Defendant Scott Rumble should have had a greater duty
of care and that Defendant Scott Rumble is in breach of contract and has violated
intentional misrepresentation in not discovering massive mold issues in the home per his
appraisal contract in which on page 4 of 5 number 5 and 6 which discuss the appraisers
duty to note adverse conditions, deterioration, and other adverse conditions. This appraisal
was RELIED upon by Plaintiff in by this home, and relied upon in securing a loan through
Defendant Ray Fauth, Defendant Whitefish Credit Union.

Plaintiff Crystal L. Cox alleges that Defendant Scott Rumble acted in conspiracywith
Defendant Ray Fauth and Defendant Whitefish Credit Union to commit fraud, intentionally
misrepresent the property, and all are in breach of contract, in violation of Predatory
Lend ing Laws, Fair Debt Collection Practices Act (FDC PAl, Consumer Protection Act,
Truth in Lending Act (TILA), Conspiracy Against Citizen Rights, Implied Covenant of Good
Faith and Fair Dealing, Negligence Laws, violations of Civil Rights and violations of civil
conspiracy and the RICO Act

Plaintiff Crystal L. Cox alleges that Defendant Scott Rumble, Defendant Ray Fauth and
Defendant Whitefish Credit Union's actions caused Plaintiff damage and that they are
liable for punitive damages, and all relief and remedies allowed by law. And Plaintiff Crystal
L. Cox alleges that at this time Defendant Scott Rumble was a "trainee" and that his
supervisor Defendant Noel and Associates Limited, Defendant Martha Noel are liable to
damage caused to Plaintiff.

Page 5 of 5 ofthe Uniform Residential Appraisal Report States:


"I performed a complete visual inspection of the interior and exterior areas of the subject
property. I reported the condition of the improvements in factual, specific tenns. I identified
and reported the physical deficiencies that could affect the livability, soundness, or
structural integrity of the property."



                                                                                             26
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 27 of 50 27




Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that Defendant Scott Rumble
made this statement fraudulently and in civil conspiracy, as the home was deemed not
livable quickly thereafter, and legal action ensued, which took years to reach a settlement
agreement in which Plaintiff signed.

And after this it was found by Defendant Ron Nelson that the chimney had a massive toxic
mold infestation, of which it was the duty of care, and lawful duty of Defendant Scott
Rumble "trainee" and his supervisor Defendant Noel and Associates Limited, Defendant
Martha Noel to discover this issue. That on top of the massive structural issues

An appraiser has a greater duty of care then a real estate broker or a home inspector as
they are working in the banking and financial industry and the laws of which govern this.
Such as HUD, Lending Laws, Predatory Lending Laws, Truth in lending. Upon knowledge
and belief, Plaintiff Crystal L. Cox alleges that Defendant Scott Rumble "trainee" and his
supervisor Defendant Nowel and Associates Limited, Defendant Martha Noel had a
GREATER duty of care and duty to act in good faith and fair dealings, as this was a loan
that was subject to HUD standards and lending laws of the United States and Montana
Banking and Mortgage Laws, than that of simply a real estate broker or even a home
inspector.

Perhaps this duty of care would be trumped by a forensics engineer, however Plaintiff
RELIED on this home appraisal to make life decisions, business decisions, financial
decisions and there was a serious breach of contract, breach of duty of care, negligent
actions and in such a manner that caused Plaintiff Harm.

Number 14 of this same Page 5 of 5 of the Uniform Residential Appraisal Report
States:

"I have taken into consideration the factors that have an impact on value with respect to the
subject property, .. , to adverse influences and .. market value. I have noted in this appraisal
report any adverse conditions (such as, but not limited to, needed repairs, deterioration,
the presence of hazardous wastes, toxic substances, adverse environmental conditions,
etc.) observed during the inspection of the subject property or that I became aware of
during the research involved in performing this appraisal. I have considered these adverse
conditions in my analysis ofthe property value, and have reported on the effect ofthe
conditions on the value and marketability of the subject property."




                                                                                              27
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 28 of 50 28




Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that Defendant Scott Rumble
did not take notice of adverse influences, did not report on deterioration, the presence of
hazardous wastes, toxic substances, and adverse environmental conditions. And did not
consider these adverse conditions but instead simply pushed the appraisal through to get
the loan through, in conspiracy with other Defendants in this complaint.

Number 15 says, "I have not knowingly withheld any significant information from
this appraisal report and, to the best of my knowledge, all statement and
information in this appraisal report are true and correct"


Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that Defendant Scott Rumble
did knowingly withhold information from this report and did not report to the best of his
knowledge.

Number 18 says, "My employment and/or compensation for performing this
appraisal or any future or anticipated appraisals was not conditioned on any
agreement or understanding, written or otherwise, that I would report (or present
analysis supporting) a predetermined specific value, a predetermined minimum
value, a range or direction in value, a value that favors the cause of any party, or
attainment of a specific result or occurrence of a specific subsequent event (such
as approval of a pending mortgage loan application).


Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that Defendant Scott Rumble
did favor Defendant Century 21 Land Office, Defendant Mike Workman and Defendant
Whitefish Credit Union in promises of future appraisals and work, Upon knowledge and
belief, Plaintiff Crystal L. Cox alleges that Defendant Scott Rumble did have a
predetermined value, as Defendant Scott Rumble asked Plaintiff Cox what the value
needed to be in order for the loan to approve. Plaintiff Cox told Defendant Scott Rumble to
ask the Seller's agent that information if he needed it to close the loan. Or to ask the client
Defendant Whitefish Credit Union. And that she simplywanted an honest, impartial
appraisal.

Defendant Scott Rumble essentially hired by Plaintiff Cox, as Cox contacted Defendant
Scott Rumble and then Plaintiff Cox contacted Defendant Whitefish Credit Union Loan
Officer Defendant Ray Fauth. Defendant Ray Fauth then contacted Defendant Scott
Rumble and Defendant Century 21 Land Office, Defendant Mike Workman was contacted
by Defendant Scott Rumble and an appraisal for the property was set up and executed.
Defendant Scott Rumble essentially had a fiduciary duty, and duly ofeare to Plaintiff Cox

                                                                                             28
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 29 of 50 29




who was the one that contacted Defendant Scott Rumble to perform the appraisal at 1
Drumlin.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that Defendant Noel and
Associates Limited, Defendant Martha Noel did not supervise appraiser Defendant Scott
Rumble in this matter, and that Defendant Noel and Associates Limited, Defendant Martha
Noel is liable for what ended up being a financial disaster for Plaintiff, and causing massive
irreparable harm to Plaintiff.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that Defendant Noel and
Associates Limited, Defendant Martha Noel Signed the Supervisory Appraiser's
Certification on the final page of the subject appraisal and that in doing so committed fraud
against the client, the Plaintiff and related parties.

Defendant Noel and Associates Limited, Defendant Martha Noel certified that she directly
supervised the appraiserforthis appraisal assignment and that she agrees with the
statements, opinions, conclusions in the the appraisal, yet Defendant Noel and Associates
Limited, Defendant Martha Noel DID not go to this property, nor attend this on site
inspection or appraisal of this property.

This is even more negligent and fraudulent and alleged to be fraud in favor of the lender, as
Defendant Scott Rumble appraised a second home that same day in which the outcome of
the appraisal directly affected the sale of 1 Drumlin Lane, this was another property owned
by Plaintiff and used as collateral. Defendant Noel and Associates Limited, Defendant
Martha Noel did not view this property either, nor supervise her trainee in this appraisal.

Upon knowledge and belief, Defendant Noel and Associates Limited, Defendant Martha
Noel signs that she fully accepts responsibility for the contents of the appraisal report even
though she had not seen the property nor been a party to the actual appraisal events.

Upon knowledge and belief, The Supervisory Appraiser's Certification is signed by
Defendant Martha Noel and dated 1/25/2006, this is the same day that Defendant Scott
Rumble appraised the home, yet Defendant Scott Rumble did not tum in appraisal to
lender until February 02, 2006.

Upon knowledge and belief, Defendant Martha Noel does not live in the area of the subject
property, did not come to the property, and had not reviewed the Appraisal before it was
turned in to client: Defendant Ray Fauth, Defendant Whitefish Credit Union.


                                                                                            29
     Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 30 of 50 30




As the records show, Defendant Scott Rumble gave the report to Defendant Ray Fauth, 

Defendant Whitefish Credit Union via email on February 2nd 2006. Defendant Ray Fauth, 

Defendant Whitefish Credit Union emailed Plaintiff Cox on 

Friday, January 27,20065:28 PM, Defendant Ray Fauth, Defendant Whitefish Credit 

Union emailed Plaintiff Cox the following: 


"HI Crystal! Thank you for the e-mail. I didn't get it before I left on Friday. Scott Rumble 

called me today and said that it would be a few more days to get me the appraisal, due to 

difficulty finding comps. You guys have a great week!!! Ray" 


On February 2nd, 2006 Defendant Ray Fauth, Defendant Whitefish Credit Union emaiied 

Plaintiff Crystal Cox via forwarding, this email with the appraisal attached 


"

- Original Message ­
From: Scott Rumble 

To: rfauth@whitefishcreditunion.com 

Sent: Thursday, February 02, 20064:48 PM 

Subject Drumlin-Turner App. Report 


Hi Ray 

Here is the first report, I am still working on the other. 

Thank You 

Scott Rumble" 


Therefore, Defendant Noel and Associates Limited, Defendant Martha Noel could not have 

actually reviewed, agreed with, been involved with or even reviewed this appraisal report, 

BEFORE she signed off her acceptance, certification and liability of this report. 


On Jan. 25th, 2006 Defendant Scott Rumble appraised subject property, On Jan. 27th 

Defendant Ray Fauth contacts Plaintiff COl( in regard to contact from Defendant Scott 

Rumble and that the appraisal would be a few more days. 


Then days later on February 2nd 2006, Defendant Scott Rumble delivers the appraisal 

report to Defendant Ray Fauth, Defendant Whitefish Credit Union via email, who then 

forwards the appraisal report to Plaintiff Crystal COl(. Yet Defendant Noel and Associates 

Limited, Defendant Martha Noel signed off on the report of this "Trainee" on January 25th, 

2006. Plaintiff COl( alleges this to be fraud, neglect and in violation of Montana Law, and 

the lending rights, constitutional rights of Plaintiff. 

                                                                                           30
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 31 of 50 31




Plaintiff Crystal L. Cox alleges that Defendant Noel and Associates Limited, Defendant
Martha Noel did not supervise appraiser Defendant Scott Rumble in this matter, and did
not review the appraisal and sign off, AFTER the appraisal was completed, but instead
signed a blank fonn simply for her own ease and at the great personal expense, life and
irreparable damage to Plaintiff.

Plaintiff Crystal L. Cox alleges that Defendant Noel and Associates Limited, Defendant
Martha Noel committed fraud, was negligent and is guilty as directly connected to or in
violation of all causes of action of this lawsuit.

Defendant Noel and Associates Limited, Defendant Martha Noel CERTIFIED that she had
herself had inspected the interior and exterior of the subject property. Plaintiff Cox alleges
this to be false and fraudulent certification.

This certified information was used for a HUD Loan, was used in matters that affect
RESPA Laws, Montana Credit Union Laws, Banking and Finance Laws, Fannie Mae,
Freddie Mac and the damage resulting from this fraudulent appraisal has caused
irreparable harm to plaintiff, in which Defendant Noel and Associates Limited, Defendant
Martha Noel are both liable for to the relief allowed by law.

Appraisal Terms state;

"Scott Rumble is a licensed appraiser trainee and is a licensed Realtor in the state of
Montana. Training includes supervisory interior/exterior inspection of all appraised
properties within the past year, which meets Montana Trainee requirements.

Martha Noel MT C R #625 is co-signer of report and has viewed the interior/exterior of the
subject property in June of2004.

There have been no significant changes to the property since that time ...

According to forensics engineered reports, there had been massive changes since that
time in the quality ofthe home and the condition of the home, as well as environmental
safety. Also note that the appraisal was January 25th 2006, and Defendant Noel and
Associates Limited, Defendant Martha Noel signed off on the appraisal that she had
visited the interior / exterior of the home in June 2004, which is is nearly two years prior,
therefore the report itself admits fraud, not only that Defendant Noel and Associates
Limited, Defendant Martha Noel lied about reviewing the appraisal but also in the fact that
                                                                                            31
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 32 of 50 32




there was well over a year as stated on the appraisal, "Training includes supervisory
interior/exterior inspection of all appraised properties within the past year, which meets
Montana Trainee requirements: And therefore Plaintiff Crystal L. Cox alleges that
Defendant Noel and Associates Limited, Defendant Martha Noel has committed fraud and
violations of law in which have caused Plaintiff irreparable harm and damage to Plaintiffs
life, in not performing an interior/exterior inspection ofthe property within the limits of the
law regarding her trainee Defendant Scott Rumble.

Also it is important to note here that there is undisclosed sale fails on the subject property
in which Plaintiff Crystal L. Cox alleges that Defendant alleges that Defendant Century 21
Land Office Eureka Montana, Defendant Century 21 Real Estate LLC, Defendant Mike
Workman, Defendant Shannon Wolleat, Defendant First American Title, Defendant Kathy
Schulte, Defendant Northwest Montana Association of Realtors (NMAR), acted in
conspiracy to cover up. One such sale fail was in 2004, therefore Defendant Martha Noel
may have, even more liability in this legal action in that regard as well.

Upon Knowledge and Belief, On March 3,2006 Defendant Ray Fauth, Defendant Credit
Union, Defendant First American Title, and Plaintiff closed on subject property. Plaintiff
took possession of property on March 18th 2006.

On May 21 st 2006, roof leaked massively. Plaintiff called Roofers in the area, Plaintiff also
contacted Defendant Ron Nelson as he was a friend of her family, and she thought he may
have time to come and take a look at the issue. Defendant Ron Nelson stated he was too
busy, and we should call someone else.

Plaintiff could not get a roofer to the property, Roof continued to leak so in June of2006
Plaintiff connected Douglas Law Firm in Libby to get legal advice on the situation. Plaintiff
Crystal Cox had known of Douglas Firm for decades and thought they would be the best
place to call in this situation.

Upon Knowledge and Belief, Douglas was very busy that spring, and could not get to Plaintiff
yet. So Plaintiff continued to look for a roofer and help with the situation. Finally in
September Plaintiff contacted Douglas Law Firm again and at this time Douglas Law
Firm's secretary was Defendant Cynthia B. Miller who also worked with Defendant Scott
Curry at Defendant TLC Engineering and Defendant Cynthia B. Miller told Douglas that
Defendant Scott Curry could do a forensics inspection on the property and assist with
litigation as an expert witness.



                                                                                             32
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 33 of 50 33




Original Contract Signed with Defendant Scott Curry State of Montana Board of Professional
Engineer and Land Surveyor, License # 12410 was on 9/15/2006

Upon Knowledge and Belief, On September 19th 2006 Defendant Scott Curry, Montana
Engineer, of Defendant TLC Engineering came to Plaintiffs home for a meeting and then
was to continue on with his forensics engineer inspections and reports. On this first day
Defendant Scott Curry told Plaintiff that she was in danger of the structure collapsing at any
moment, and in danger of possible health risks due to mold, as the records show of
Defendant Scott Curry's recommendation to immediately vacate the home and the reasons
why. (TLC Letter Dated December 2, 2006 regarding moving from home and reasons why
he told Plaintiff to move.

On October 1st 2006, Plaintiff moved out ofthe home at great expense, loss of use, loss of
business, and rented a home 2 hours from subject property.

Once Plaintiff moved out of home and secured a rental, Scott A Curry P.E, TLC Engineering,
performed further testing, of which included massive, detailed structural analysis and thorough
Mold Testing.

In the Late fall, Earty winter of 2006, I, Crystal Cox, called Judy Kirby of BJCC Home
Inspections, as I was gathering more information on the home for our legal case. By then, I was
well aware of massive structural defects of the home, and aware of a home inspection of some
kind that took place before we bought the home. I had noticed 2 sale fails in the NMAR, MLS data
records and could only account for one in my interviews. There was another sale fail that has yet
to be determined who it was or why the sale failed. There were records in the files of Mke
Workman of Century 21 Eureka Land Office, in which turned up in our legal Discovery of the
matter, that had a memo written by Shannon Wolleat of First American Title in Eureka Montana.
The memo was a scheduling of an inspection, of which Shannon Wolleat of First American Title
nor Mke Workman of Century 21 Eureka Land Office seemed to have any recollection of.

Judy Kirby of BJCC Inspection told me that she had heard of Stachybotrys in the home from a
prior inspection. When I questioned her more on this issue, she simply stopped the
conversation. Upon hearing this information, I assumed that there was a prior home inspection
on the home that was undisclosed to us, when we purchased the home. I had inquired
previously with First American Title in Eureka Montana, and with Mke Workman the Listing
agent, regarding a prior home inspection and was told that there was none. However the MLS
data showed a sale fail that was unaccounted for, and there was a memo on one of the files by
Shannon Wolleat of First American Title regarding scheduling a home inspection. tt is my belief
that that 1 Drumlin Lane had a home inspection and a sale fail due to that inspection in which
was not disclosed to Plaintiff Crystal Cox nor to Leslie Tumer.



                                                                                                  33
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 34 of 50 34




Plaintiff Crystal Cox, had interviewed local Brokers on the matter and had found detailed
information regarding one of the sale fails. However the other sale fail, still had not been found,
nor had any details as to why the sale failed, turned up.

So in part of these discovery investigations, Plaintiff Cox called Judy Kirby of BJCC Home
Inspections to see if she had done an inspection on the home, or knew anyone who had. /los our
company, Ten Lakes Realty, had come to know Judy and Bruce Kirby of BJCC Home
Inspections, to be honest, thorough and we had good business dealings with them.

Plaintiff Cox started off the phone call asking Judy if she knew the house, she said yes of course,
it's the biggest house in town, of course I know it. I said have you ever inspected it, she said no,
why? I said, wetl my partner and I bought the home, and there are issues, so I was just
wondering if you had done an inspection? She said issues, questioningly, you mean the
Stachybotrys mold issue? I said, no, actually it's a structural issue, the whole house seems to
be at risk of coming down any day. Then, it obviously clicked in my mind, and I said, what about
Stachybotrys? She said, oh nevermind? I Said Judy, this is important, this is our life, our life's
work and investment. Please tell me what you meant. She said, nevermind, I probably heard you
wrong. I said Judy, you just said Stachybotrys, do you know of any in the home? Do you know of
a M>ld Inspection done that turned up Stachybotrys? And she forced her way off the phone. I
em ailed her after that and no word from here until months later when she did an inspection for
Opposing Counsel in our lawsuit, knowing full well that there was mold, and that BJCC was
fraudulent inspecting a home after the forensics facts were already laid out.

This extremely alarming conversation with Judy Kirby of BJCC Home Inspections led to, without
a doubt belief that there, indeed was an inspection that she knew of and that had not been
disclosed to us, the buyers. And that there was, indeed, Stachybotrys, Black Toxic rv10ld in the
Home, and someone knew it existed.

Plaintiff immediately contacted Defendant Scott A Curry P.E, Defendant TLC Engineering, and
told him, in detail about the phone conversation with Judy Kirby of BJCC Home Inspections and
that there was a high probability that the home has Black rv1old, Stachybotrys, Toxic rv1old. Plaintiff
wanted to insure that Defendant Curry was doing a rv10ld Inspection and that he was qualified to
do a rv10ld Inspection of an issue of this magnitude, where by a chimney that was 10 Foot Square
and 30 Foot Tall was possible full of M>ld, as wetl as the Gable End Walls and roofing material,
as according to interviews, the water has been an issue for years. Defendant Scott A Curry P.E,
TLC Engineering assured Plaintiff that he was qualified and even sent further eMail
recommendations of his M>1d Surfaces from other M>1d Experts in the M>ntana Industry and
M>ntana Attorneys.

Upon Knowledge and Belief, Defendant Scott A. Curry P.E, TLC Engineering, was paid approx. $50,000 in
Total for Forensics Engineering inspections. Of the Billing Document #39, Approximately $7000 was for
Mold Testing, Mold Technician Hour.;, and Mold Lab Tests Regarding Tests for Mold in Our Home by Scott
A. Curry P.E, TLC Engineering. (As Exhibits Show)

                                                                                                      34
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 35 of 50 35




On April 17th 2007, Defendant Scott Curry, DefendantTlC, Defendant Kimberley A.
Remick, Defendant Remick LLC, performed mold tests, infrared heat testing for mold, took mold
samples and performed a mold test that cost Plaintiff approx. $7000.

On April 17th 2007, Defendant Josh Tallmadge, Defendant Tallmadge GIS and Drafting LLC
performed detailed measurements for engineered drawings of the home, chimney, structure,
and the services performed on this day were approx. $30,000 Paid by Plaintiff to TLC
Engineering, billing by Defendant Cynthia B. Miller.

On August 11 th 2008 Plaintiff signed settlement agreement on property, based on the Mold
testing and engineered reports ofDefendant Scott Curry, Defendant TlC, Defendant
Kimberley A. Remick, Defendant Remick LLC, Defendant Josh Tallmadge, Defendant
Tallmadge GIS and Drafting LLC.

On approx. August 15th, 2008 Plaintiff Crystal Cox contacted Defendant Ron Nelson,
Defendant Nelson Construction regarding a bid on the project, as Plaintiffs mom was a
long time friend, a religious associate of Defendant Ron Nelson, he was a Jehovah's
Witness Elder, of whom Plaintiffs mom held in high regard,

Plaintiff Crystal Cox's mother had spoken prior to Defendant Ron Nelson regarding the
lawsuit settling and the possibility of a job with Plaintiff Crystal Cox,

On approx. August 20th 2008, after the settlement agreement moneywas paid, and Before
there were in bids to fix the structural issues, Plaintiff Crystal Cox made an in person visit to
Defendant Ray Fauth, Defendant Whitefish Credit Union and told him that there was a
settlement and asked how he wanted to proceed with the loan, Defendant Ray Fauth
advised Plaintiff Crystal Cox that he was in favor of the settlement money being used to fix
the structure vs, pay down the loan,

Therefore, Plaintiff Crystal Cox scheduled a bid on site with Defendant Ron Nelson,
Defendant Nelson Construction,

On August 26th 2008 Defendant Ron Nelson, Defendant Nelson Construction made bid for
Plaintiff Crystal Cox, as the record Shows, in regard to the 1 Drumlin Lane Project

Defendant Ron Nelson, Defendant Nelson Construction made this bid regarding issues
from the legal case upon which made the money for the job possible, and upon review of all
engineered reports.



                                                                                              35
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 36 of 50 36




Plaintiff trusted Defendant Ron Nelson, Defendant Nelson Construction and as a family
friend, Jehovah's Witness Elder and associate of Plaintiff's mother, Plaintiff agreed to hire
Defendant Ron Nelson, Defendant Nelson Construction for the job to fix the structural and
environmental issues regarding Plaintiff's home.

Upon Knowledge and Belief, Plaintiff truly believed tihat Defendant Ron Nelson, Defendant
Nelson Construction would do right by tihe project, would act with integrity, would not lie to
Plaintiff and would be able to fix the issues as he stated he could. Plaintiff believed
Defendant Ron Nelson, Defendant Nelson Construction had went into the chimney in tihe
beginning as he stated he had and that Defendant Ron Nelson, Defendant Nelson
Construction had truly assessed the issues causing the roof leak, of which stemmed from
inside of the massive 1Ox1 0, 30 foot tall chimney.

Upon Knowledge and Belief, Defendant Ron Nelson, Defendant Nelson Construction was to
provide structural remodel per the forensics engineered report, and to make tihe home a
safe, non-toxic environment. The Chimney was tihe main issue of all the reports, and it was
claimed as to have massive structural issues. ON this first visit Defendant Ron Nelson,
Defendant Nelson Construction told Plaintiff that he would go into the chimney, in order to
make his bid, as this was tihe epicenter of the issues oftihe legal action, tihe leaky roof, the
toxic mold possibility and otiher issues addressed in tihe engineered reports he had read,
given to him by Plaintiff.

Upon Knowledge and Belief, Defendant Ron Nelson, Defendant Nelson Construction began
construction on Plaintiff's home per his bid to Plaintiff in the name "Crystal Cox", on or
around mid September of 2008. The Original bid was for $39,835 to fix the issues
stemming from the litigation of which the money to pay him came from. Defendant Ron
Nelson, Defendant Nelson Construction had read tihe engineered reports, allegedly went
into the chimney and gave Crystal Cox his bid on August 26,2008.

Upon Knowledge and Belief, On August 28th, 2008 Defendant Ron Nelson, Defendant
Nelson Construction was paid $20,000 of the $39,835 to get supplies, beams and get
started on tihe project. By 912512008, Defendant Ron Nelson, Defendant Nelson
Construction CLAIMED he had fixed the leak stemming from the chimney and had fixed tihe
structural problems with the home.

Yet tihe roof was still leaking around all 4 corners of a massive chimney, the problem had
not been fixed.



                                                                                               36
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 37 of 50 37




Upon Knowledge and Belief, On 912512008, Defendant Ron Nelson, Defendant Nelson
Construction received another payment of $30,000 to fix the issues stemming from the
lawsuit, of which was the whole point of hiring Defendant Ron Nelson, Defendant Nelson
Construction and where the money came from to pay Defendant Ron Nelson, Defendant
Nelson Construction.

By mid October 2008, the Defendant Ron Nelson, Defendant Nelson Construction AGAIN
claimed he had fixed the leak and the issues causing the leak. However, the roof still
leaked, the massive beams had water running down them, water was running on to new
construction, and the problem had NOT been fixed. On October 16th 2008 Ron Nelson
was paid an additional $35,000, as records show, to fixthe issues with the structure that he
claimed needed to happen to stabilize the home and STOP the leak.

By mid November 2008, the roof still leaked, Defendant Ron Nelson, Defendant Nelson
Construction had Plaintiff over a barrel and with no way to stop construction, as the home
could not sell with the roof still leaking. On November 19th, 2008 Defendant Ron Nelson,
Defendant Nelson Construction was paid an additional $15,000.

By mid December 2008, the roof STILL leaked. Each time Defendant Ron Nelson,
Defendant Nelson Construction assured Plaintiff that he had fixed the problem. Plaintiff
trusted Defendant Ron Nelson, Defendant Nelson Construction and therefore continued on
with the project, desperate to STOP the leak in order to sell the home. On December 12th
2008 Defendant Ron Nelson, Defendant Nelson Construction was paid an additional
$13,962.

In January 2009 there was a deep freeze, and the roof leak seemed to stop. By March
2009 it was obvious that the leak was not yet fixed. Defendant Ron Nelson, Defendant
Nelson Construction was paid additional money, upon his word that the structural integrity
needed the work he was doing in order to fix the leak and to cure the structural defects at
issue in the engineered reports. The settlement money ran out by late May of 2009.

By the second week in June of 2009 the roofwas leaking badly again, the money was all
gone. Plaintiff called Defendant Ron Nelson, Defendant Nelson Construction crying,
desperate for help to STOP the LEAK.

Upon Knowledge and Belief, On or around June 18th 2009, Defendant Ron Nelson
Contacted Defendant Randy Brosten of Antonich Adjusters Inc. in regard to opening an
insurance claim, through Flathead Valley Insurance in order to get money to fixthe leaking
chimney.

                                                                                             37
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 38 of 50 38




Upon Knowledge and Belief, Defendant Ron Nelson, Defendant Nelson Construction
convinced Plaintiff that it was a new leak from recent storms and not related to the previous
issue. Defendant Ron Nelson assured Plaintiff Crystal Cox that he could fix the new issue,
and that an insurance claim was the best way to get the funds for the fix, the job.

As email records show, Defendant Ron Nelson Contacted Defendant Randy Brosten and
Flathead Farmers insurance directly, Defendant Ron Nelson Contacted Defendant Randy
Brosten coordinated insurance checks, on site adjuster visits, and the project with Plaintiff
Crystal Cox, as email records show.

On or around July 8th 2009 Defendant Ron Nelson emailed Plaintiff Cox and asked her if
she had the insurance check yet so he could schedule her job in to his summer projects, as
email records show.

By the end of July Defendant Ron Nelson, Defendant Nelson Construction had begun to tear
apart the kitchen, remove cabinets and begin to mitigate the water damage from wihat he
said was a new problem, and not only did Defendant Ron Nelson, Defendant Nelson
Construction tell Plaintiff this, but also Defendant Ron Nelson told farmers insurance and
the insurance adjuster this same information, via his expertise and experience in
construction.

On or around the first week in August of 2009, Defendant Ron Nelson came up to Plaintiff
Crystal Cox in the home and said he needed to talk to her. Defendant Ron Nelson then led
Plaintiff up to the Chimney entrance he had created, and ladders inside of the chimney.
Leslie Turner had made a trip to Kalispell on this day for supplies and was not on the
property.

Plaintiff Cox asked Defendant Ron Nelson jokingly, why he was so serious. Plaintiff Cox
asked Defendant Ron Nelson if this was his first time he had went in to the chimney, he
looked to the ground and shook his head yes. Plaintiffs heart sank, as that meant that the
hundreds ofthousands of dollars prior had been in vain, had been fraud and the chimney,
wihich was the MAIN issue of the entire legal action and the reason the legal action began,
and the chimney was what Defendant Ron Nelson was paid to fix the structural integrity of,
and here it was this much money in, Plaintiff out of money and now the chimney was
actually entered.




                                                                                           38
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 39 of 50 39




Plaintiff Cox entered the chimney at the request of Defendant Ron Nelson and with
Defendant Ron Nelson, upon entering the chimney Defendant Ron Nelson showed Plaintiff
Coxa massive infestation of black mold, coating the walls ofthe inside of this massive
chimney.

Not only had the structure never been actually entered by Defendant Ron Nelson, but it
seemed that Defendant Scott Curry had also lied about entering the chimney, had falsified
photos, and had falsified mold testing. And that Defendant TLC Engineering, Tallmadge
GIS and Drafting LLC had falsified engineered drawings of the structure, as without
entering the chimney it would be impossible to assess how the structure was or was not
holding up one end of a 7000 square foot home.

Plaintiff Cox asked Defendant Ron Nelson what "we" should do about this situation, as
there was no more money. Defendant Ron Nelson said he was certified in Mold Mitigation,
had huge dryers, could paint on kilzand he would use insurance money to mitigate the
Mold. Both Plaintiff Crystal Coxand Defendant Ron Nelson, made the decision not to tell
Leslie Turner ofthe matter and to simply mitigate the issue. Defendant Ron Nelson
ASSURED Plaintiff Crystal Cox that he was certified and could mitigate the Mold. Plaintiff
Cox had no choice but to take care of the situation as professionally as possible.

By this time there was no settiement money left, Defendant Ron Nelson had exhausted the
home insurance, and Plaintiff had no money and no options.

In the beginning of August 2009, Plaintiff Crystal Cox AGAIN emailed Defendant Ron
Nelson, as the ROOF still leaked badly around the chimney and now seemingly worse,
raining down as if a shower, off of all 4 corners of beams coming out of the chimney.

Defendant Ron Nelson came to the home and tried to put caulking and other fix on the
Situation. On August 12th 2009 Defendant Ron Nelson emailed Plaintiff Crystal Cox, and
asked ifthe roof was still leaking, it was.

In June 2010 Plaintiff Cox had a buyer for the home, however, the roofstill leaked
BADLY and therefore the home was unable to be SOLD

N. the End of March 2011, Cox was able to get the buyer interested again, however the roof was
still leaking so the horne waS unable to be SOLD.




                                                                                            39
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 40 of 50 40




        Cause of Action 1.) Section 28:1332bc Diversity - Breach of Contract


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Plaintiff Crystal L. Cox alleges that defendants violated Section 28:1332bc Diversity­
Breach of Contract and caused Plaintiff harm, thereby Plaintiff is allowed all available relief
bylaw.

Plaintiff Crystal L. Cox alleges that defendants are in breach of contract and this has
caused Plaintiff Harm.

Plaintiff Crystal L. Cox alleges that defendants are in breach of fiduciary duty.



          Cause of Action 2.) 28:1332RI Diversity-Racketeering (RICO) Act.

Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief Plaintiff Crystal L. Cox alleges that defendants violated
28: 1332RI Dlversity~acketeerlng (RICO) Act and caused Plaintiff harm, thereby
Plaintiff is allowed all available relief by law.

Upon kncwledge and belief Plaintiff Crystal L. Cox alleges that defendants Conspired in a
pattern and history that caused Plaintiff permanent damage, thereby Plaintiff is allowed all
ava ilable relief by law.



                    Cause of Action 3.) Intentional Misrepresentation

Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief Plaintiff Crystal L. Cox alleges that defendants violated
Intentional Misrepresentation laws and caused Plaintiff harm, thereby Plaintiff is
allowed all available relief by law.


                                                                                               40
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 41 of 50 41




Plaintiff Crystal L. Cox alleges that defendants intentionally misrepresented lab results,
engineered drawings, insurance claims, structural construction, mold testing, loans,
appraisals, sales data, prior home inspections, and more, in which cause Plaintiff
irreparable harm.



                           Cause of Action 4.) Civil Conspiracy


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief Plaintiff Crystal L. Cox alleges that defendants violated Civil
Conspiracy laws and caused Plaintiff harm, thereby Plaintiff is allowed all available relief
bylaw.

Plaintiff Crystal L. Cox alleges that defendants acted in a civil conspiracy that affected
lending laws, the health and well being of Plaintiff, the property and business of Plaintiff, the
quality of life of Plaintiff, and endangered the life of Plaintiff, harmed her hea~h. reputation,
business and caused Plaintiff irreparable, immeasurable harm.




           Cause of Action 5.) Fair Debt Collection Practices Act (FDCPA)
         establishing legal protection from abusive debt collection practices,
                                  Fair Debt Collection Act,


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief Plaintiff Crystal L. Cox alleges that defendants violated the Fair
Debt Collection Practices Act (FDCPA) and caused Plaintiff harm, thereby Plaintiff is
allowed all available relief by law.




                                                                                               41
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 42 of 50 42




                     Cause of Action 6.) Consumer Protection Act

Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Plaintiff Crystal L. Cox alleges that defendants violated the Consumer Protection Act and
caused Plaintiff harm, thereby Plaintiff is allowed all available relief by law.

Unfair methods of competition and unfair or deceptive acts or practices in the conduct of
any trade or commerce are unlawful pursuant to the laws of the State of Montana and the
Consumer Protection Act, Mont. Code Ann. 30-14-101, et seq.

Upon knowledge and belief Defendants used unfair methods and deceptive acts in
connection with the mold inspection, engineered reports, engineered drawings, appraisals,
loans, construction, insurance, and thereby caused Plaintiff irreparable harm.

Upon knowledge and belief Defendants failed to perform mold testing that Plaintiff paid for.
Defendants failed to enter the massive chimney on the properly that the legal action was
about, and yet spent massive amounts of Plaintiff's money on this "fix".

Upon knowledge and belief, Defendants failed to report structural damage appropriately to
Plaintiff's insurance company. Defendants failed to disclose previous inspections in which
tumed up mold.

Upon knowledge and belief Defendants failed to perform fiduciary and contractual duties.

Upon knowledge and belief Defendants failed to provide accurate measurements and
inspections regarding detailed, engineered drawings and reports.

These actions by defendants, in violation ofthe consumer protection act, caused Plaintiff to
sign a settlement agreement that she would not have signed, had defendants performed
their contractual duties obligated to Plaintiff.




                                                                                               42
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 43 of 50 43




              Cause of Action 7.) 28: 1332ds Diversity - Contract Dispute

Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendanis violated
28:1332ds Diversity - Contract Dispute and caused Plaintiff harm, thereby Plaintiff is
allowed all available relief by law.

Plaintiff Crystal L. Cox alleges that defendants are in breach of contract and this has
caused Plaintiff Harm.

Plaintiff Crystal L. Cox alleges that defendants are in breach of fiduciary duty.

Defendants owed Plaintiff a duty of "good faith and fairdealing" upon the parties to a
contract.


                     Cause of Action 8.) Truth in Lending kt (TILA) 

                          FDIC Law, Regulations, Related kts 


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants Ray Fauth and
the Whitefish Credit Union have violated Truth in Lending laws and that all other defendants
have aided and abetted, acting in conspiracy with Defendant Ray Fauth and Defendant
Whitefish Credit Union and that this has caused Plaintiff irreparable harm, of which
Defendants are liable to Plaintiff for. Plaintiff Crystal L. Cox wishes all allowable reliefby
law granted to her by this court.



Cause of Action 9.) 23:1441 Contract Real Estate

Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.




                                                                                               43
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 44 of 50 44




Plaintiff Crystal L. Cox alleges that defendants violated 23:1441 Contract Real Estate
and that this violation has caused irreparable harm.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants engaged in
conspiracy, fraud, and deception regarding real estate contracts, loans, appraisals,
inspections, closing documents, RESPA laws, and have violated the rights of Plaintiff and
caused irreparable harm to Plaintiff.



                     Cause of Action 10.) 28:1332fr Diversity - Fraud


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants have
committed fraud on appraisals, lending documents, mold analysis reports, engineered
drawings, structural concerns, insurance fraud, consumer fraud and that this fraud has
caused Plaintiff irreparable harm, of which Defendants are liable to Plaintiff for. Plaintiff
Crystal L. Cox wishes all allowable relief by law granted to her by this court.



             Cause of Action 11.) 28:1332pd Diversity - Property Damage


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants have Violated
28:1332pd Diversity - Property Damage and have thereby caused Plaintiff irreparable
harm, of which Defendants are liable to Plaintifffor.

Plaintiff Crystal L. Cox wishes all allowable relief by law granted to her by this court.

               Cause of Action 12.) 28:1332pi Diversity Personal Injury


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants have Violated


                                                                                                44
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 45 of 50 45




28:1332pi Diversity Personal Injury and have thereby caused Plaintiff irreparable harm,
personal injury, of which Defendants are liable to Plaintiff for.

Plaintiff Crystal L. Cox wishes all allowable relief by law granted to her by this court.



               Cause of Action 13.) 28: 1332pl Diversity Product Liability

Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Plaintiff Crystal L. Cox alleges that defendants have Violated 28:1332pl Diversity Product
Liability and have thereby caused Plaintiff irreparable harm, of which Defendants are liable
to Plaintiff for.

Plaintiff Crystal L. Cox wishes all allowable relief by law granted to her by this court.



Cause of Action 14.) 18:0241 Conspiracy Against Citizen Rights

Plaintiff Crystal L. Cox alleges that defendants have Violated 18:0241 Conspiracy Against
Citizen Rights and have thereby caused Plaintiff irreparable harm, of which Defendants are
liable to Plaintiff for.

Plaintiff Crystal L. Cox wishes all allowable relief by law granted to her by this court.

Plaintiff Crystal L. Cox alleges that defendants have conspired to injure, oppress,
damage, and violated the rights of Plaintiff.


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.



                 Cause of Action 15.} 28:1343 Violation of Civil Rights

Plaintiff Crystal L. Cox re-alieges, and fully incorporates all previous paragraphs in their
entirety.


                                                                                               45
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 46 of 50 46




Plaintiff Crystal L Cox alleges that defendants have Violated 28:1343 Violation of Civil
Rights and have thereby caused Plaintiff irreparable harm, of which Defendants are liable
to Plaintifffor.

Plaintiff Crystal L Cox wishes all allowable relief by law granted to her by this court.

Plaintiff Crystal L. Cox alleges that defendants have conspired to injure, oppress,
damage, and violated the rights of Plaintiff.


            Cause of Action 16.) 28: 1332ds Diversity· Contract Dispute

Plaintiff Crystal L Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief, Plaintiff Crystal L Cox alleges that defendants violated
28:1332ds Diversity - Contract Dispute and caused Plaintiff harm, thereby Plaintiff Is
allowed all available relief by law.

Plaintiff Crystal L Cox alleges that defendants are in breach of contract and this has
caused Plaintiff Harm.

Plaintiff Crystal L. Cox alleges that defendants are In breach of fid uciary duty.



                             Cause of Action 17. Negligence

Plaintiff Crystal L Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Plaintiff Crystal L. Cox alleges that defendants acted with negligence, are in violation of
negligence by law. And that this negligence caused Plaintiff irreparable harm and damage.

Defendants had a Duty to Plaintiff. Defendants are /were in breach ofthat duty and this
caused major, irreparable harm and damage to Plaintiff.




                                                                                              46
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 47 of 50 47




                                Cause of Action 18.) Fraud


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants have
committed fraud on appraisals, lending documents, mold analysis reports, engineered
drawings, structural concerns, insurance fraud, consumer fraud and that this fraud has
caused Plaintiff irreparable harm, of which Defendants are liable to Plaintifffor. Plaintiff
Crystal L. Cox wishes all allowable relief by law granted to her by this court.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants made false
material representation which caused Plaintiff harm.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants made false
material representation to Plaintiff knowing that Plaintiff was relying on this information for
major decisions regarding health, business, well being and financial matters.

Defendants actions constitute fraud. Defendants fraudulent conduct caused Plaintiff to
suffer general and special damages.

Plaintiff has suffered irreparably at the deceptive acts of defendants.



       Cause of Action 19.) Implied Covenant of Good Faith and Fair Dealing


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants have not acted
in good faith and Implied Covenant and have thereby caused Plaintiff irreparable harm.

Upon knowledge and belief, Defendants owed Plaintiff the duty of honesty in fact and to
abide by commercial standards and fair dealing. Defendants breached their duty,
concealed information, falsified reports, failed to perform action paid for by Plaintiff and
committed fraud upon Plaintiff. Of which Plaintiff is allowed all general and special
damages by law.


                                                                                               47
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 48 of 50 48




                         Cause of Action 20.) Punitive Damages

Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

                 Cause of Action 21.) Breach of Duty, Breach of Care

Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.



Cause of Action 22.) Real Estate Settlement Procedures Act (RESPA)
12 USC 1707, TITLE 12-BANKS AND BANKING, CHAPTER 13--NATIONAL HOUSING
USCTitie 42-The Public Health and Welfare Chapter 69, Sec. 5301, 5308, 5309.


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants have violated
Real Estate Settlement Procedures Act (RESPA) 12 USC 1707, TITLE 12-BANKS AND
BANKING, CHAPTER 13--NATIONAL HOUSING USCTitle 42-The Public Health and Welfare
Chapter 69, Sec. 5301, 5308, 5309 and have thereby caused Plaintiff irreparable harm.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendant First American
title has covered up an inspection which showed mold and other issues with the subject
property, and protected the rights and interest of defendant Mike Workman, Defendant
Century 21 over the rights of Plaintiff and the LAW.

Upon knowledge and belief, Plaintiff Crystal L Cox alleges that defendant Mike Workman,
Defendant Century 21 violated RESPA laws and forced Plaintiff to use title company he
chose, and this caused Plaintiff irreparable harm.




                                                                                               48
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 49 of 50 49




              Cause of Action 23.} FDIC Law, Regulations, Related Acts


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants violated FDIC
Law, Regulations, Related Acts and caused Plaintiff harm, thereby Plaintiff is allowed all
available relief by law.



                 Cause of Action 24.) MONTANA CREDIT UNION ACT


Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants violated the
MONTANA CREDIT UNION ACT, and caused Plaintiff harm, thereby Plaintiff is allowed all
available relief by law.



Cause of Action 25.} Toxic Mold Safety and Protection Act of 2002" (H .R. 5040)

Plaintiff Crystal L. Cox re-alleges, and fully incorporates all previous paragraphs in their
entirety.

Upon knowledge and belief, Plaintiff Crystal L. Cox alleges that defendants violated the
Toxic Mold Safety and Protection Act of 2002" (H.R. 5040)



                      Relief requested of this court

Plaintiff Crystal L. Cox wishes this court to find defendants guilty of all counts, causes of
action and to award Plaintiff all relief allowed by law in this matter.




                                                                                                49
   Case 9:13-cv-00089-DWM-JCL Document 2 Filed 05/07/13 Page 50 of 50 50




Plaintiff Crystal L. Cox wishes this court to award Plaintiff $1 0 Million Each from the
Following All Named Defendants.

Plaintiff Crystal L. Cox wishes this court to award plaintiff general damages, special
damages, actual damages, punitive damages, and all damages allowed by law.



Crl t:r
                                   Certificate of Service:



I hereby certify that I served the foregoing on May 3rd 2013 to:

U.S District Court
District of Montana
Paul G. Hatfield
Suite 2100
901 Fro nt Street
Helena, MT 59626-9708




Respectfully Submitted,




Crystal L. Cox
Pro Se Plaintiff
P.O. Box 2027
Port Townsend, WA
(406) 624-9510
Crvstal@CrvstaICox.com




                                                                                           50
                         Case 9:13-cv-00089-DWM-JCL Document 2-1 Filed 05/07/13 Page 1 of 1
JS 44 (Rev 11/12)                                                              CIVIL COVER SHEET
The .IS 44 civil l;OVer sheet and the information contained herein neither replace nor supplement the filing and serviee nfpleadings or other papers as required by law, except as
provided by local rules of court This form, approved by the Judicial Conference of the United States in September 1974, is reqUired for the use of the Clerk of Court for the
purpose of initiating the l;ivit de;eket sheet (SI,E iNSTRUCTiONS ON NEXT PAGE OF THlS FORMJ

I. (a) PLAINTIFFS                                                                                                 DEFENDANTS
Crystall. Cox                                                                                                  Scott Curry, TLC Engineering, Ron Nelson. Nelson Construction,.

    (b) County of Residence of First LISted Plaintlff                  Jefferson. Washington                      County of Residence of First Listed Defendant                      Lincoln County
                                  fP1CEPT IN u.s. PL41NTIFF CASES;                                                                     (iN u.s" PLAINTIFF CASES ONLY)
                                                                                                                  1"0TE; 	 IN LAND CONDEMNATION CASES, USE THE UX:ATJON OF
                                                                                                                           THE TRACT OF LAND [NVOL YEO.


    (c) Attorneys (Firm Ni1m~" Adii!'f:5S, and Te1cpkooc Numbrr)                                                   Attorneys (!f Koowtl)
Pro Sa Plaintiff


II, BASIS OF JURISDICTION (Plom.. "X" In 0>" BaxOnly)                                              III. CITIZENSHIP OF PRINCIPAL PARTIES (!'lac< on "X" !nOm "o.<fod']o("iff
                                                                                                             (For {)iverl>ity Ca.<es &.ly)                                               and Orte Sex/vr Dcfondartf)
~!       U.S. Qo.vem:ment                0.3 Federnl Que$1l00                                                                            PTF 	 DEF                                                      PTF       DEF
           Plaintiff 	                             {u.s Gm'ernm<nt }.h>l (1 Parry)                      Citizen ofilia Slate             ~ J   l!!I 1             Incorporated O'r Princip:!ll Place     0         9 4
                                                                                                                                                                    of Business In Thl~ State

~   2    U.s. GOl'crnmcut                l!!J 4 Diverliity                                              Citizen of Another Sillte              :!I 2    :J    2   lru::mporaled arnJ PriociPllL Place                0'
           Defendant                               (/ndica!e Clflumhip a/PaftlC9 (nl/em 1l1)                                                                          ofBusines~ In Another Slat!:


                                                                                                        Citizen or Subject of 1I               o   3    ~     3   FOreign Nation                         Ll6         Ll6




a I to In~llram::e                           PERSONAl, tNJIJRY               PERSONAL INJURY               625 Drug Related Seizure                                                     o  375 Foloo Claims A.ct
a   120Marine                           310 Airplane
                                     l':']                               D 365 Personal Injury •               of Property 21 USC 8&1                                                   (] 4U{I State Reapportionment
a   130 Miller Act                   CJ 315 Airplane Product                       Product Liability       6900thn                                                                      (] 4 Ii} Antitrust
a                                                                        CJ 367 Health Cnrel

                                                                                                                                                         ~
                                                                                                                                                             ~:!iiii1iiiiilii~ D
    140 Negotiable InstrumenJ               Liability
                                                                                                                                                                               D          430 Banks aru:l BankmB
    ";0 ;:~:;:;;,~~,~'~i;::~tl
                                                                                  Phannlleeutlenl                                                                                         450 Commerce
o       & &furcement
                                     d 320 Assault, Libel &
                                                Slander                           Per!lOtlal Injury                                                                                     D 460 Deportation
D   151 Medicare Act                 l':'] 330 Fcderal Employers'                 Product Liability                                                                                     D 470 Rllcketeer Influenced and
D   152 Recovery of Defsu.lted                  LiabiUty                 CJ 368 AsbeliiOS Personal                                                                                            COfTUl't Organi7.JItions
        Student Loans                CJ 340 Marine                                 TnjutY Prodnct                                                                                       D 480 Consumer Cnldit

D
        (Excludes Veterans)
    153 Recovery ofO\'erpa.:vrnent
                                     l':'] 3·i5 Marine Product
                                                wability
                                                                                   Liability
                                                                            PERSONAL PROPERTY              7lO Fair Labor Standards
                                                                                                                                                                        iiilililiiilj   D 490 Cable/Slit TV
                                                                                                                                                                                        D 850 SecuritiesiComm(:oditiesi
        ofVetQmn'.; Bene6ts.         ::'] 350 r".1olilrVcllic1e          ~ 370 Other Frnurl                     A"                                                                            Ex;hange
D   160St.ockholderl:' Suits         d 355 MolarVebide                   ::J 37 t Truth in Lending         720 Laborl1v1anagement                                                       D 890 Other Statutory ActiolUi
D   19D OtherConlnCt                            Product Liability        tJ 380 Other Persona!                 Relations                                                                D 89 i Agricultul111 Aets:
D   195 Contract ~~ Lillbility       0 360 Other Pe.rronnl                        Property Damage          740 Railway Labor Act                                                        D 893 &virowncnta! Marten
D   196Franchi:le                                                        :) 383 Property Damage            751 FMIily:md Medic-ai                                                       D 89S Freedom of InfonnauOll
                                                                                  Product Liability             Leave Act                                                                        "',
~~~~~!!!~Ziiii~i!~! c,,"                                               lIi~iii!!!!~~iil!!l,~
                                                                                                                                                                                        D 896 Arbilmtloo
                                                                                                           791 Employee Retirement
                                                                                                           790 Other LIIbm- Lrligati.on                                                 D 899 Administrntllte Prooetlure
                                                             R,'t!h"                                           [nccme Security Ad                                                             AcU'Revlcw or Appeal of
D 220 ForeeJowe                      j    441 V«tng                      :) 46;) Alien Detainee                                                                                               Agency Oec::isi<m
D 230 R¢nI Lease & Ejectment         j    442 Employm.ent                :::J S10 Motions t1> Vacate                                                                                    D 950 Constitutionality of
D 240 Tom to Land                    ::"J 443 Hoos.inW                             Sentence                                                                                                     StlrteStaWtes
D 245 TortPn;.duct LIflhility                  Aooom.modatioos                5300rncral
o 290 All Other Real Property             4i1S Amer. wll}isabilities          535 Death PcnaJtj"
                                               Employtncnt                    Otht'¥':                                 I
                                          446 Amer. w/D.illabilitil'ls        540 Mandamus & Other         465 OUter Imrnigratl'on
                                                00"                           550 Civil Rights                 AcUMS
                                             448 Education                    55S Prison Condil.lbtt
                                                                              S6{} Civil Del.m.liee •
                                                                                   Conditioos of

 "       ORIGIN
                                                                                   Confinement



k
                     (Placeatl"X"mOtlf!BnrOttly)
    1 Original              u:2   Removed from                Ll 3       Remanded from            LJ 4 Reinstated or        o      5 Transferred from             u   6 Multidistriet
         Proceeding               State Court                            Appellate Court                Rwpcnerl 	                   Another District                   Litigation
                                                                                                                                     (;;   t
                                              Cite the U.s. Civtl Statute under ",hich YOU me filing: (110 not eikj~nn1 J.tiJIn~· unku diveF.lUy):
V        C USE OF CIlON Breach of Contract, Fraud, Ne Ii "nee, Truth in Lendin ,Civil Cons ira
    T.    A                 A                 Brief descnptlon of cause:
                                              Fraudulent Reports and Services leading 10 Plaintiff Harm
VII, REQUESTED IN                             LI CHECK IF THIS IS A CLASS ACTION       DEMAND $                                                               CHECK YES only if demanded in complaint:
     COMPLAINT:                                    UNDER RULE 23, FRCv.P,                                                                                     JURY DEMAND:        lQ Yes LJ No
VIII. 	RELATED CASE(S)
      IF ANY                                                                                                                                           DOCKET l\UMBER
DATE                                                                        SIGNATURE OF ATTORNEY OF RE('.DRD
0510312013
FOR OFFICE USE ONLY

    RECEIPT 11                    AMOUNT                                        APPLYINQ lFP                                       JUDOE                                  MAO.1UDOE
                 ---~                           -----                                            ---­                                      ----                                             -----
     Case 9:13-cv-00089-DWM-JCL Document 2-2 Filed 05/07/13 Page 1 of 2                       1





Crystal L. Cox Pro Se                                                      RECEIVED
P.O. Box 2027
Port Townsend, WA                                                                MAY 072013
(406) 624-9510                                                            CLERK. U.S. DISTRICT COURT
Crystal@C[yStaICox.com                                                      DISTRICT OF MONTANA
                                                                                    HELENA

                           UNITED STATES DISTRICT COURT
                                DISTRICT OF Montana

Plaintiff Crystal L. Cox
1· 5 John and Jane Doe Plaintiff(s)
                                                                   Case Number Pending
                                                                   Exhibit List I Directory

v.

Defendants
 Scott A Curry. TLC Engineering, Ron Nelson, Nelson Construction, WhitefISh Credit Union...

Exhibit A
Ron Nelson eMail Communication

ExhibitB
Ray Fauth eMaiis

Exhibit C
Scott Curry

ExhibitD
Ron Nelson Original Bid

Exhibit E
Video of Mold and Structure inside Chimney




                                                                                              1

   Case 9:13-cv-00089-DWM-JCL Document 2-2 Filed 05/07/13 Page 2 of 2   2




                                  Certificate of Service:



I hereby certify that I served the foregoing on May 3rd 2013 to:

u.s District Court
District of Montana
Paul G. Hatfield
Suite 2100
901 Front Street
Helena, MT 59626-9708




Respectfully Submitted,


   ~)k
Crystal L. Cox
Pro Se Plaintiff
P.O. Box 2027
Port Townsend, WA
(406) 624-9510
C rystal@CrystaICox.com




                                                                        2
4128113
               Case 9:13-cv-00089-DWM-JCL Document 2-3 Filed 05/07/13 Page 1 of 10
                                               Print


    Subject:    chimney

    From:       Ronald Nelson (nelsonconst@interbel.net)

    To:         crystal@crystalcox.com;

    Date:       Wednesday, July 8, 2009 3:53 PM




  Hi Crystal,



  I was wondering if you heard from the adjuster Yet? He was going to try to get a check to you last
  week, If you would like us to schedule you in as soon as possible please let me know,



  I hope all is well with you and Leslie.



  Thank you,



  Ron Nelson




aboutblank                                                                                             111
4/28113
               Case 9:13-cv-00089-DWM-JCL Document 2-3 Filed 05/07/13 Page 2 of 10
                                               Print


    Subject:    chimney 

    From:       Ronald Nelson (nelsonconst@interbel.net) 

    To:         cry.tal@crystalcox,com; 


    Date:      Tuesday, June 23, 2009 10:54 AM 




  Hi Crystal, 


  Randy Brosten the Adjuster wants to come up tomorrow and have us bring the lift so 

  he can inspect the chimney and determine what they will approve of for the repairs. 


  I told him that I would contact you for your approval to proceed. 


  Please let me know, or if you would prefer, you could call Randy directly.              257-900B 



  Thank you, 


  Ron Nelson 


  -----Original Message----­
  From: Crystal L. Cox [mailto;crystal@crystalcox.com] 

  Sent: Thursday, June lB, 2009 12;42 PM 

  To: Ronald Nelson 

  Subject: from Crystal Cox 


  Thanks for the Email.             I will get back to you as soon as I can.   I hope this email
  finds you doing well.              Take Care     Crystal L. Cox




8bout:blank                                                                                        111
4I2S'13
               Case 9:13-cv-00089-DWM-JCL Document 2-3 Filed 05/07/13 Page 3 of 10
                                               Print

    Subject:    chimney

    F r e>m:    Re>nald Nelson (nelsonconst@interbel.net)

    To:         crystal@crystalcox.c()m;

    Date:       Wednesday. July 8. 2009 3:53 PM




  Hi Crystal,



  Iwas wondering if you heard from the adjuster Yet? He was going to try to get a check to you last
  week. If you would like us to schedule you in as soon as possible please let me know.



   I hope all is well with you and Leslie.



  Thank you,



  Ron Nelson




aboutblank                                                                                            111
4128113
                  Case 9:13-cv-00089-DWM-JCL Document 2-3 Filed 05/07/13 Page 4 of 10
                                                  Print


       Subject:    rain/insurance

       Fro m:      Ronald Nelson (nelsonconst@interbel.netl

       To:         crystal@crystalcox.com;

       Date:       Thursday, June 18, 2009 11:47 AM




   Hi Crystal,



   Below is a copy of the e-mail that I sent to the adjuster and his reply to me, and Nancy your 

   insurance agent. I looks like good news. 




    I hope this brightens your day.



   Thank you,



   Ron Nelson



   From: Randy Brosten [mailto:rbrosten@centurytel,netj
   Sent: Thursday, June 18, 2009 11:53 AM
   To: Ronald Nelson
   Cc: nmichels@f1atheadfarmmutual.com
   Subject: Re: Leslie turner home



   Ron & Nancy;

   I ha..e reviewed your notes. I would think we could address this under last loss. I will approach company with this in
   mind. Could you please send me your repair cost as you see it from this added damage to chimney and roof. I will
   then make an appointment with you when you ha..e the man lift in place and get better damage photos and inspection
   for the company. Please gi..e me a "heads up" a day or two before to be sure I can make it to inspect. Thanks.
   Randy B.

   -       Original Message ­

   From: Ronald Nelson

   To: rbrosten@centurytel.net ; crystalcox@crystalcox.com

   Sent: Thursday, June 18, 2009 10:26 AM

atxx..rt:t:fank                                                                                                             1/3
4I2IlI13
               Case 9:13-cv-00089-DWM-JCL Document 2-3 Filed 05/07/13 Page 5 of 10
                                               Print
   Subject; Leslie tumer home




   Hi Randy,



   I hope all is well with you today. I received a call from Leslie Turner yesterday. They were
   experiencing a very heavy rain and water was running in around the chimney. Not in the kitchen
   area and upstairs as before. I wanted to see the water in action so I left the project I was on and
   was on site to see the water coming in. It was a stream of water in some places. They took a
   digital video of it as it was happening, you can definitely hear the panic in their voices.



   The newly crowned chimney cap is werking well and there is no moisture entering from the areas
   that we repaired. Upon close examination of where the water was appearing and tracing it
   backwards, it appears that it is coming in from the cultured stone facing. There are many areas
   where the mortar is separated from the stone. As if moisture had gotten in behind the stone and
   then froze, breaking the bond of the mortar to the cultured stone. This weuld have been possible
   before we repaired the large cracks in the chimney. Chunks of mortar had fallen off of the bottom
   row of cultured stone last year. This was from between the lower flashing and the bottom of the first
   stone. We replaced the mortar in these areas last year. But the mile of cracks around many of the
   stones is a perfect entry point for a wind driven heavy rain.



   We were hoping that the total issue existed in the chimney cap and in the areas that we repaired.
   This helped a lot, they have experienced numerous rains since the final repair and did not even
   have a drop of rain enter. Yesterdays storm was different. The owners requested that I take a look
   at the project and contact you to see ifthe claim had been closed yet or how to proceed from here.



   Please let me know.



   Thank you,



   Ron Nelson

   Nelson Construction

   Cell# 270--6280



aboul:blark
3I27/13
                 Case 9:13-cv-00089-DWM-JCL Document 2-3 Filed 05/07/13 Page 6 of 10
                                                 Print

      Subject:    rein/insurenc.

      From:       Ronald Nels"n (nels"neonst@interbetnet)
      T ,,:       erystal@erystale()x.eom:

      Date:       Thursday, June 18, 200911:47 AM




  Hi Crystal,



  Below is a copy of the e-mail that I sent to the adjuster and his reply to me, and Nancy your 

  insurance agent. I looks like good news. 




  I hope this brightens your day.



  Thank you,



  Ron Nelson



  From: Randy Bro.tEn [mailto: rbrostEn@centurytel.net] 

  Sent: Thursday, June 18, 2009 11: 53 AM 

  To: Ronald Nelson 

  Cc: nmichels@flatheadfarmmutual.com 

  Subject: Re: Leslie turner home 





  Ron & Nancy;

  I hale relliewed your notes. I would think we could address this under last loss. I will approach company with this in
  mind. Could you please send me your repair cost as you see it from this added damage to chimney and roof. I will
  then make an apPOintment with you when you hale the manlift in place and get better damage photos and inspection
  for the company. Please give me a "heads up" a day or two before to be sure I can make it to inspect. Thanks.
  Randy B.

  -       Original Message ­

  From: Ronald Nelson

  To: rbrosten@centulYle!.ne\ ; crystalcox@cryslalcox.com

  Sent: Thursday, June 18, 200910:26 AM

aboutblari<                                                                                                                1/3
3/27113
            Case 9:13-cv-00089-DWM-JCL Document 2-3 Filed 05/07/13 Page 7 of 10
                                            Print
  Subject: Leslie turner home




  Hi Randy,



  I hope all is well with you today. I received a call from Leslie Turner yesterday. They were
  experiencing a very heavy rain and water was running in around the chimney. Not in the kitchen
  area and upstairs as before. I wanted to see the water in action so I left the project I was on and
  was on site to see the water coming in. tt was a stream of water in some places. They took a
  digital video of itas it was happening, you can definitely hear the panic in their voices.



  The newly crowned chimney cap is working well and there is no moisture entering from the areas
  that we repaired. Upon close examination of where the water was appearing and tracing it
  backwards, it appears that it is coming in from the cultured stone facing. There are many areas
  where the mortar is separated from the stone. As if moisture had gotten in behind the stone and
  then froze, breaking the bond of the mortar to the cultured stone. This would have been possible
  before we repaired the large cracks in the chimney. Chunks of mortar had fallen off of the bottom
  row of cuttured stone last year. This was from between the lower flashing and the bottom of the first
  stone. We replaced the mortar in these areas last year. But the mile of cracks around manyofthe
  stones is a perfect entry point for a wind driven heavy rain.



  We were hoping that the total issue existed in the chimney cap and in the areas that we repaired.
  This helped a lot, they have experienced numerous rains since the final repair and did not even
  have a drop of rain enter. Yesterdays storm was different The owners requested that I take a look
  at the project and contact you to see if the claim had been closed yet or how to proceed from here.



  Please let me know.



  Thank you,



  Ron Nelson

  Nelson Construction

  Cell# 270-5280



                                                                                                        213
4I28f13
                 Case 9:13-cv-00089-DWM-JCL Document 2-3 Filed 05/07/13 Page 8 of 10
                                                 Print


      Subject:    rain/insurance
      From:       Ronald Nelson (nelsonconst@interbel.net)
      To:         crystal@crystalcox.com;
      Date:       Thursday. June 18. 2009 11:47 AM




   Hi Crystal,



  Below is a copy of the e-mail that I sent to the adjuster and his reply to me, and Nancy your 

  insurance agent. I looks like good news. 




   I hope this brightens your day.



  Thank you,



   Ron Nelson



  From: Randy Brosten [mailto:rbrosten@centurytel.net]
  Sent: Thursday, June 18, 2009 11: 53 AM
  To: Ronald Nelson
  Cc: nmichels@flati1eadfarmmutual.com
  Subject: Re: Leslie turner home




   Ron & Nancy;

  I hal.e reviewed your notes. I would think we could address this under last loss. I will approach company with this in
  mind. Could you please send me your repair cost as you see it from this added damage to chimney and roof. I will
  then make an appointment with you when you hal.e the manlil! in place and get better damage photos and inspection
  for the company. Please gil.e me a "heads up" a day or two before to be sure I can make rt to inspect. Thanks.
  Randy B.

  -       Original Message ­

  From: Ronald Nelson

  To: rbrosten@centurvtel.net ; crystalcox@Crvstalcox.com

  Sent: Thursday, June 18. 2009 10:26 AM

aboul:blari<                                                                                                               1/3
4128/13
               Case 9:13-cv-00089-DWM-JCL Document 2-3 Filed 05/07/13 Page 9 of 10
                                               Print
   Subject; Leslie tumer home




   Hi Randy,



  I hope all is well with you today. I received a call from Leslie Tumer yesterday. They were
  experiencing a very heavy rain and water was running in around the chimney. Not in the kitchen
  area and upstairs as before. I wanted to see the water in action so I left the project I was on and
  was on site to see the water coming in. It was a stream of water in some places. They took a
  digital video of it as it was happening, you can definitely hear the panic in their voices.



  The newly crowned chimney cap is working well and there is no moisture entering from the areas
  that we repaired. Upon close examination of where the water was appearing and tracing it
  backwards, it appears that it is coming in from the cultured stone facing. There are many areas
  where the mortar is separated from the stone. As if moisture had gotten in behind the stone and
  then froze, breaking the bond of the mortar to the cuRured stone. This would have been possible
  before we repaired the large cracks in the chimney. Chunks of mortar had fallen off of the bottom
  row of cultured stone last year. This was from between the lower flashing and the bottom of the first
  stone. We replaced the mortar in these areas last year. But the mile of cracks around many of the
  stones is a perfect entry point for a wind driven heavy rain.



  We were hoping that the total issue existed in the chimney cap and in the areas that we repaired.
  This helped a lot, they have experienced numerous rains since the final repair and did not even
  have a drop of rain enter. Yesterdays storm was different. The owners requested that I take a look
  at the project and contact you to see if the claim had been closed yet or how to proceed from here.



   Please let me know.



  Thank you,



   Ron Nelson

   Nelson Construction

   Cell# 270-5280



about:blanI<
               Case 9:13-cv-00089-DWM-JCL Document 2-3 Filed 05/07/13 Page 10 of 10
4128113                                                    Prim


    Subject:    roof

    Fro m:      Ronald Nelson (nelsonconst@interbel.net)

    To:         crystal@crystalcox,com;

    Date:       Wednesday, August 12, 2009 6:44 AM




   Hi Crystal and Leslie,



  We still are without water. I think we will have to have the pump pulled again. We worked until late
  last night testing all other possibilities, no success yet.



  Any leaks from the rain????????



  I will keep you posted.



  Talk to you soon.



  Ron




about:blank                                                                                              111
4128113
               Case 9:13-cv-00089-DWM-JCL Document 2-4 Filed 05/07/13 Page 1 of 4
                                               Print


    Subject:   Re: Orystall. Oox

    From:      Ray Fauth (rfauth@wi1itefishcreditunion.com)

    To:        .avvybroker@yahoo.com;

    Date:      Monday. January 30, 2006 9:19 AM




  HI Crystal! Thank you for the e-mail.ldidn~ get it before I left on Friday. Scott Rumble called me today and said
  that it would be a few more days to get me the appraisal, due to difficulty finding comps. You guys have a great
  week!!! Ray

     -   Original Message ­
     From: CRYSTAL COX
     To: RAY
     Sent: Friday. January 27, 2006 5:28 PM
     Subject: Crystal l. Cox

     Hello Ray,

     How are you? I hope this email finds you doing well. you are a nice man, and I for one
     appreciate all your hard work and how nice you are THANKS.

     GO AHEAD AND TAKE THE 900 DOLLARS OUT OF LESLIES ACCOUNT FOR SCOTT
     RUMBLE.

     THANKS

     HAVE A GREAT DAY

     CRYSTAL



     Crystal L. Cox
     Broker Owner
     Ten Lakes Realty
     406-882-4177
     WNW.TenLakesRealty.com




     WNW.NorthWestMontana.com

     WNW.MoneyManagementForUfe .com



aboul:blank                                                                                                           112
41211113
                Case 9:13-cv-00089-DWM-JCL Document 2-4 Filed 05/07/13 Page 2 of 4
                                                Print


    Subject:    Fw: Re:- Turner App. Report

    Fro m:      Ray Fauth (rfauth@wi1itefishcreditunion.com)

    To:         sawybroker@yahoo.com;

    Date:       Wednesday. February 8. 2006 6:16 PM




   -   Original Message ­
   From: Scott Rumble 

   To: Ray Fauth 

   Se nt: Wednesday, February 08, 2006 9: 08 AM 

   Subject: Re:- Turner App. Report 


   Hi Ray 

   This one took a little longer,   SOrT)'   for the delay 


   Scott




about:blank                                                                          1/1
4128113            Case 9:13-cv-00089-DWM-JCL Document 2-4 Filed 05/07/13 Page 3 of 4
                                                   Print


    Subject:       Re: Home on 5

    From:          Rey Fauth (rfauth@whitefishcreditunion.com)

    To:            sawybroker@yahoo.com:

    Date:          Tuesday, January 17, 2006 II :23 AM



  Hi Crystal! The loan committee met this moming and said things look good for the loan if we do the following: 1-Get
  appraisals on the subject property being purchased and the 5 acre piece with the house. 2-Do a maximum loan of
  $675,000. 3-Use the additional 10 acres as collateral (If it is in Montana). The committee said that since this is an
  asset based loan, we need the abo-.e. The loan committee did appro\E! my request to do a single pay note due in 12
  months, without any monthly interest payments. Upon receipt of the abo-.e, I can get the loan to the Credit
  Committee for the final apprQ\o\ill. e-mail me back if these terms would be acceptable. Thank You!!!! Ray

     -        Original Message ­
     From: CRYSTAL COX
     To: RAY
     Sent: Monday, January 16, 2006 3:07 PM
     Subject Home on 5

     The home Leslie has now is listed on 10 for $425,000 ~ is located aprox. 2 miles South of The
     Canadian Border off of Highway 93.

     PHOTOS




abouI:hlank                                                                                                               112
                 Case 9:13-cv-00089-DWM-JCL Document 2-4 Filed 05/07/13 Page 4 of 4
4128113                                                         PrInt

      Subject:    Fw: Drumlin-Turner API>. Report

      From:       Ray Fauth (rfautn@whitefishcreditunion.com)

      To:         savvybroker@yanoo.com;

      Date:       Wednesday. February 8, 2006 6:50 PM




  -       Original Message ­
  From: Scott Rumble
  To: rfauth@Whitefishcreditunion.com
  Sent: Thursday, February 02, 2006 5:58 PM
  Subject: Fw: Drumlin-Turner App. Report




  -       Original Message ­
  From: Scott Rumble
  To: rfauth@Whitefishcreditunion.com
  Sent: Thursday, February 02, 2006 4:48 PM
  Subject: Drumlin-Turner App. Report

  Hi Ray 

  Here is the first report. I am still working on the other. 


  Thank You 

  Scott Rumble 





abolI:blank                                                                           111
      Case 9:13-cv-00089-DWM-JCL Document 2-5 Filed 05/07/13 Page 1 of 11
Jan 22 08 OS:49a




                              TLC ENGI NEERlNG, PE, LLC
                                                P.O. Box 466 

                                     103 West Lincoln Boulevard 

                                       Libby, MT 59923-0466 

                                         t[cengiueering@hotmail,com 

                                 Phone: 406·293-5950    FAX: 406-293-6071 



                                                                                      December 8. 2006


      Leslie Turner
      POBox 930
      Eureka, MT 59917


      Dear Ms. Turner:

     This letter is to document findings to date as a result ofour ongoing inspections ofyour residence at
     1 Drumlin Lane in Eureka, Montana. 1expJained the concern I had foryotl! safety during my initial
     inspection to your hOnle on September 19, 2006~ It was apparent d1.iring subsequent illspcctions th81
     you had moved out of this home since October 1,2006. Follow-up inspections have verified that
     our initial safety concerns were valid. These inspections have verified that tbe home is unsafe to
     occupy until repairs and renovations are perfolmed. Weare continuing to investigate and analyze the
     extent of structural, electrical, mechanical and building envelope deficiencies that make the home
     unsafe. Further site inspection will be required to comprehensively document and estimate repair
     and renovation costs necessary to make the home habitable. For your safety, [recommend that you
     continue to live in another home until these repairs and renovations are completed.

     The rooflacks adequate supports and connections. Columns supporting the main roof ridge beal1l
     are too slender and btlCkling is evident. There are no as-built records of the fireplace footing ami
     reinforcement. TIris fireplace supports a large portion of the roof and is StlSpec! of not meeting
     minimum requirements to tesist forces that would occur dmillg seismic activity. There are missing
     and inadequatel'Oofbeam connectors. Excessive porch truss deflection ha~ cracked the fronl porch
     ceiling. There are inadeq.uate second story floor-beam connectors. Turnbuckles l 'Bn gi ng from roof
     beams have iutroducednoticeable strain that may be creating roofleaks. Ttmorc likely than not that
     the roofcould collapse under less thal1 the design snow load or local area seismic activity. I\)(cessive
     movement and deflection of the roof and supporting stmctural system is occuning under tllinimum
     loading. This lisk alone makes the house unsafe to be inhabited.

     Electtic.al inadequacies provide a ti1reat of fire or electrocution. Lighting circuits are overloaded and
     make switches hot to the touch when 011, even before circuit breakers aUtomatically disconnect. Not
     all eleetrlcal conductor connections are contained within junction boxes. These circuits should he
      Case 9:13-cv-00089-DWM-JCL Document 2-5 Filed 05/07/13 Page 2 of 11
Jan 22 08 08:4Sa                                                                                     c
      disconnected until renovated.

      The mechanical heating system does not operate properly. Radiant floor heal is inoperable in the
      kitchen and livillg r00111 areas. Radiant floor temperatures are excessive in the doVt11stairs north
      bedroom and adjacent bathroom. Radiant fioor tenlperatures are excessive in the downstairs
      southeast bathroom. There are leaks to be repaired in the boiler room. A radiant roof beat system is
      disconnected for unknoviI11 reasons. A radiant roof OT floor heat system that leaks could add
      excessive moisture to the home and create problems that are explained ill the next.paragraph. A
      boiler heat system that does not work properly could fail in a way that poses a threal to liie or
      property. Minimum heat should be provided to all portions of the hOlTI.e until it can be properly
      winterized.

      Building envelope fuilures are creating environmental and safety hazards. There are TClofJeaks over
      the living room and kitchen areas. The windows leak water when rain blo,'1ll against them. Water
      from the roof and window leaks could ignite electrical fires from conductor connections, wiring
      devices or appliances becoming shorted, and it creates !Ill electrocution hazard. Framing, siding,
     insulation.. drywall, carpet and other materials get wet every time it rains and me susceptible to mold
     growth. Excessive mold growth can create a toxic interior environment to humans. A slip and fall
      hazard occurs when the tile floor becomes wet from infiltrating rain water, Cotmter lops and cabinel
     contents are also becoming wet and moldy. Water stains appear on numemus roof beams. Structural
     members that get repeatedly wet and will eventually decay and lose tbe ability to resist support.ed
     loads. Thousands of insects enter the home daily through the building envelope wl,ich creates II
     major infestation problem. Airinflltration is excessive and requires highercnergy usage to heat and
     cool the home. It is important to cure these envelope deficiencies before the home deteriorates any·
     futther, and then to remediate the home for any exceSSIve moistme and mold.

     I propose to revisit the home on Tuesday, December 12 to continue the mechanical and electrical
     systems inspection and perform more monitoring ofstructural and building envelope inadequacies.
     Please confirm that access to the home is available on this date. I shall forward renovation !lnd rcpa il'
     final recommendations 'Vith cost estimates when completed.


     VelY Truly YoUrs,

    5~0~:;'-----";:
     Scott A. Cuny, 

     TLC Engineed 




     Enclosure

     Cc; Douglas Law Firm
    Case 9:13-cv-00089-DWM-JCL Document 2-5 Filed 05/07/13 Page 3 of 11




                          TLC ENGINEERING, PE, LLC
                                       P.o. Box 466 

                                 103 West Lincoln Boulevard 

                                   Libby, MT 59923-0466 

                                    tlcengineering@hotmail.com 

                            Phone: 406-293-5950    FAX: 406-293-6071 


                                                                                April 17,2007

 Leslie Turner 

 PO Box 930 

 Eureka, MT 59917 



 Dear Ms. Turner:

 Please find attached an estimate for the cost offiuther forensics investigation, design, estimating, and
 reporting, as requested by your attorney. This estimate and each ofthe included work items are self­
 explanatory. This professional services estimate is preliminary and only actual hours worked and
 associated costs will be invoiced. This work is requi red to determine the cost to reconstruct portions
 ofyour home at 1 Drumlin Lane that are inadequate andlor unsafe due to construction defects. Your
 attorney has asked for a construction cost estimate of the items that will require retrofit in order to
 correct the defects. Design documents need to be developed in order to provide an accurate estimate
 of construction cost. We have completed and delivered as-built drawings of your home from which
 to start this work. Additional investigation to determine details ofthe existing fireplace; windows;
 envelope openings that allow bug entry; radiant floor heat system failures; and, wet areas that have
 mold are required to best document construction defects.

 Please talk with your attorney and determine the items you desire to be designed and construction
 cost estimated. Please submit a retainer for those work items you decide to order from our film. I
 will be awaiting a work order and retainer prior to beginning any further work.



~;;Irs,
                 ~Partner 

                                .

Scott A.  CUrry,t;?
TLC Engilleeri::  PE,-l:d,
                                             

Enclosure

Cc: Douglas Law Firm
                            Case 9:13-cv-00089-DWM-JCL Document 2-5 Filed 05/07/13 Page 4 of 11

    TLC Engineering, PE, LLC                                                                                                                                                       Estimate
    PO Box 466
     .ibb)'. MT 59923-0466                                                                                                                                              DATE           ESTIMATE #

                                                                                                                                                                    I


                    NAME! ADDRESS

           1...."li..:   fUl"lll'1' 

           I>.().     no:'. l)j(] 

           ElI1"t'\,a. tvl r 59!,) I 7 





!               ITEM                                                         DESCRIPTION                                                    OTY                     COST                TOTAL            i

    I,!j'l.:n"k"                             I:t)n:n:\h:~    Eup.ino.::l..'f r It\L!I~   In C\a!tWI~'       rJl\.'placc inlt'gril;'                      8                 125.DO          1.OOn.nn
                                            n;-.; l\ r(1(ifh.::am slIppnrt l'{)lurnn.
    I r;ild                                  r·:nginco..'f TnlH::l iltH/r:-- ttl C-Ylllwl;(' fin:pha;l.'.                                             3                    75.0n            2~5.0!l
    \Iikil~l'                                ISngin"'t.:r Mikagl' to nnd IhH11 ~;tC'.                                                               166                     11,75            11-1.50
llr:tllillt!                                2-D ;\u'm:.ld Drn:Hng !i\lur:; W draw Jirc;,IHcl: dC'tuils.                                               g                    -IS.OO           36(WO
! Jr,I\,ing:.                               ()rif'.in<ll Prlnl~ or 1l1Tphh:l- ((,llImn ,h.·I;tib 1(11' "lnH.:l!!ral                                      .j                  5.011           20,1)0
                                            cnIClIl;ni1.i!b.
! ;tl'nr                                    I ,abu!' lind '!'nm:ll kll'r" 1111' ::'l'b:ll\c ,kmolilfinll and                                         11                    25.00            275.011
                                            ,-'lean·up 10 ..:v.altmh: lircplul\::.
\lika,t.:l'                                 Lah!il' rvHkllg.l' III ,tnti l'rOIH :->t;c.                                                                                      11.75            il.75
    Ik~i~n                                  Engine!.'1' lksifCll Illlurs Iu l.:ail'ti!<lh.' l'('quij\~lI ~ln1l.'lUml                                 [2                    g5,Of)          L020.00
                                            111(;ll1hcr :.;iJ:(,s fix d~,"igl1 loading. i;'dll~ljng fin.:p[w.:c.
Ik~ign                                      1·;l1ginc.. . 1' !)..;~ign J loms Ii) tk:-:ign iill'UCHlrHI dClllib for                                  .in                   gs.ou          J.·H)IJ.O{)
                                            cnlir..:   h(lJ1SI.'   ror design loading.
1,:~.I;illll\ing                            Englnccl' Cm~! ESlimaling I lours III c:;l!m<1lC and (('p,)r!                                            12                    75.00            i.)OO,()(J
                                            I\.:quirt'd ,mlL'lural 1\.'lruil(..;, il1l,!tl(ling. I1r..:plm:.....
\'krlGIJ                                    CkTklll I lour:; It'        llss~'mhh:       ctl>i   ('~liIHH!(,    ,JIlt! tlJ..'3ign                        H                 35.00            2{{O.OO
                                            rqWl'ls.
I )1', 1'1 i111:'                           }-I> ;\UtOCLlt1 Urnlling I iUlIl"s 1\1 (rent<:                  and   rrO! s!rllduml                     2~                    ..J.:'JJO       I.O~n,nn
                                            S:stCIll r<.:lron!s.
'}fll\\    ing.'i                           (Jri!:-illi!ll'rl!~b jill'    :-.1 rJ\."1url1f   >~Sll'lll   n,,'{rt'llit!..J l'ppi..:st.                20                      5.00           ;OIUl{l

hll\W,;... ",>                              hm:n:,i\.';,: Fngill('ei" fln\lf;-.Io lesl ,Int! dingl1os(" boiler                                       1"                 125.00            1.5(10,00

1r:nd
                                            ;.,> :-km .lnt! radinl1l 11.)01' IU..',1\        d~·licicnd;.'s.
                                            I':ngim'er lr'l\I..~lllllm..; It) t<:":-.! and d!l1gn;"~L hoiler and                                         ,                 75.00            225.00
                                            :'lltiia!1: :lonr he,\I th:ncicncics.
\likag..:                                   I":ngitk'LT rVlilt><lgl.: 10 nntllhm) ~;1C',                                                            1(,6                    {),75           12450
!,abor                                      PJul11bl'l' ,-"hoI' ,ll1d Tnl\-d Ilum;.; 1\1 1I.'sl amI diilglll)SC                                      11                    60.00            MltWn
                                            boiler ,lUd      r~ldi;mt    fluor hen! ddici..:nC'JC5,
                                                                                                                                                              :
                                        ,
J'''lim,H~          !llhll b   prdilljil~,\ry          liml only jldual ,ksign lio,lr;-; lll'lkr("d will hi..': invoked.                             I

                                                                                                                                                     :            TOTAL

                                                                                                                                        SIGNATURE


                                                                                                                         Page 1
                         Case 9:13-cv-00089-DWM-JCL Document 2-5 Filed 05/07/13 Page 5 of 11                                                                          c

    TLC Engineering, PE, LLC                                                                                                                                 Estimate
    PO [3ox 466
                                                                                                                                                  DATE            ESTIMATE #
    J .ibby. MT 5992:1-()466

                                                                                                                                                                      :'9


                 NAME/ADDRESS

            Lc.<k TU!'!icr
            J>JJ. Bo.\. 9.10
            !·:'l:\.'b.<I. :vlT 599;7




                 ITEN<                                           DESCRIPTION                                                 aTY               COST                TOTAL

Ik.. ign                          1':l1~itwcr      I k:--ign 110\lr" [n design    rlCp!;tCl'lllL'111   holier                         40               7S.00          .~.()O[).O()

                                  ilnd/l)1" radian! nlH,)r heal :~ySll·11l. Irli.:llItk:~ lklllOli\inn anti
                                  illh.'riur 1'I':llwdd l't'lwrit:, rcquin.:d.
I 'lill1:llin;,:                  1';llg;llb;~'r C\)SI 1':slim,11ing I [OUl'" In t..'.slillill[t.: nntll\:ro!1 0]1                      ~              75.1111          (lOn,OO
                                  rcquin.'\1 mdillill !lIIOf lK',\( n,'(mlil
t   Icrind                        l'h..'riL;,J1llolll':; 10 ;r:';sl'mhk' co:.Il'~tinlilIC .Jnl! lk.sig.n                                .I             .15.1111         I-lO.llII
                                  n:pl,)rl:>.
: )r;lfling                       2~f) All!m:Dd Dra!lin~ I lours til crCnle <lnd               plol    hCi.~ling                      2.1             ·1,5.nU         I.OBiUH!
                                  :i} Sh.'111   rl!!rnlits liml ilill'rlllr 1t'IlHllkl
: )1';1\\   ing....,              Original Pric;" Ibr rndiun! f:'oor hent "y::.;!cm r:lroli1 {-i                                      2.1               5.0()           11().:IO
                                  c!lpk~J,


I \1I ..·I1.-:i.. ,,,
                  .               hlfl'!hk•; EngillC'<:r 1!tH1f~ to tliagJ1t),';': c>h:rinr ~r:Vd(,.lf!l·
                                              .                                                                                       I?              :15,00          1,500.00
                                  !Ill' h\lg~ !\nd \\ jn~h,l\>' dclldcncics.
Inn\'!                            l':ngin('cr TrnH.'llloHfs hI dilignnsc            \."lcrior~l1\dnp~           l()f'                   3             75J)O             21SJ)O
                                  nug.e.. ant.! .,dodon ddit'imdcs,
\lik;lg..:                        I :nginc,,'f ?vliic,lgl' it! <lnd lhmi "iIC_                                                                         (t75                 0.75
I :lhnr                           I.HOOf nnd '1 fin d ! four:.: for select!w dl'llIolilion llml                                       II              25,00             17).1)0
                                  ("-klll1-!!P .'11' l~"!l'fit'lr en \'elope CtitWr!(Hll'nl:-:.
\I!ka~,,'                         I.ah,:tf Miku!!.!.: to !llit.! frUIt) :-:ih.'.                                                     1(,(;             it75             l]·t50
!h.":,'I!!H                       b1g.i!h~('r lk;.;ign I (\tIll'74- fede~i~n exterior cllh::lope           jt)!'                        H             75,ilil           6mUltl
                                 hug.>: :.lIld w:nli"\\ rClrnlils.
1::-;1 j'li<llil'f!              Fngil'll,..,(,f Cn:.! F~lil11aling I lour" [0 ¢:-;!;malc ami fl'Pt)fl             U:i                  ~             7:' 3}H          6i1U,On
                                 c\it:rim l'l1\ dope and" intlo\\ rClnlLlt".
'\!ijl'llic;.;                   EIe';lIcd pl:!lIbrm \'>,luipl11";,lll'Cnlaf d;l;>,,:n tliagnusl'                                       2         SHO.()(I            1.(JOH.nn
                                 c,'\k'ritll' en\ clt}j1L' ;1l1d "indo\\" ul'liciclll'ics,
('kriG!!                         Ckrie,1111tlur:.-:: to a~';;l'r:lblc l'\J.S! t'StiIlHl\C and dc.:;ig.n                                 X             3:q)(!            19\L:I:~
                                  fl'pOrl:-.,
l)r:lnin,g                       2-1l/\tHoCad Dmliillg I h,ur:-; to tTl'all' and pIo! building.                                       t6              ·t5.0n            71iU)(1
                                 ,'/Hl'Iopl...' und windO\\ tkfaib,

I ,,!il1l<l(l.' lolal i:-. pl't'lil11in.lI'Y UlHI (lnty Ul'\H,li d~;:..ign IHlllr~ l}rlkr~'d will Ill.! inHlil'l'<i.
                                                                                                                                             TOTAL

                                                                                                                         SIGNATURE


                                                                                                       Page 2
                         Case 9:13-cv-00089-DWM-JCL Document 2-5 Filed 05/07/13 Page 6 of 11

    TLC Engineel"ing, PE, LLC                                                                                                                                   Estimate
    PO Box 466
                                                                                                                                                      DATE               ESTIMATEIf. I
    1.lbhy. MT 59923-0466
                                                                                                                                                     .I! 17/1007
                                                                                                                                                                                            I

                NAME/ADDRESS

            Ll'slic    r:!fnCf
            P.O, Ilox I,lJO
            Fm.:ku. i\1T 59917




I               ITEM                                                   DESCRIPTION                                                 QTY             COST                   TOTAL

                                  {ll'i1:'inal Prin!" thr cx{criO!' l'Il\ ,,-'lop...: lind windtn\ n:lI'OIIt:;                               28              5JlO               l ..ftWH

I""'" ,,,­                         14 L'opit'sL

,Dt".;ij:ll                        Engll1('l'r rksi;.tll 11<.1\11':; In dL'sig.n I"lw/ini}. rcmt)\,:d and                                     S            75.00                600,O()
                                   n:in;-;tnf!<:tio1         fClroJil.
    1::,li ll111ting               !":ngill(,(,f Cosl hlimrl1ing I lours !o (';;.timate Hnd report nn                                         .j           75,(10               J()()'<Hi
                                   rouring 1't..'1110\;]1 tlml rcillS1nlla()otl 1'\:lrnliL
 ( krit'al                         t'kri'.'iJl ! hHII'$ III       il!.'1't"lllblc 1."\),,[   c:,lillli.ltc imd des!g.:]                       .j           35,00                !<1(U)(j
                                   rq;(lr!s.
    Ilr:lllillg                    2-D i\utncmJ              Dr;Jlling I-lmu's 10 ere,He lIlhl pll)\ rtKllilig                               12            -15.00               5..JO.OO
                                  n;twlil dChlib.
    f)r;m il:gs                   Orilfina! Prj!l!s lhr wlll1ng retrofit (..J L'npil":'i.                                                    !6             S.OO                 XIUIO

    l'Oll'cn"k~                    r'jlren:-.il's 1':ngll1>.:o:r f \;,)lrrs 10 ilil.'nlil'; \\C1 miltl.'ritli~ m:d                           16           I:!:'.no            1JHHI.OO
                                  lc~t   for mold,
    rr;I\I.<1                     1·.nginl'l.'v Tmyell IUlirs hi idt'!llH~ \\ 1.'1 Ill(:t('ri~\b nud ks{                                      (,           7:\00                450,00
                                  I1JI' 1i101d.
 \lik~I!!1..'                     Lngim.'LT 1\'1 i !l?'i.l!!J.; 10 ;,md 11'(1))1 ~il::.                                                    J:l::            0.75                24t).OO
  Il'd'lllc;lI                    Mold i'l.'dmldHll. 1low" :!l a)~i;.:( ,\ ilh nlll!J k~sling.                                                li          11)0.00               SOO.OO
 ! ;;1>01'                        l.nbM ami Tw\ el I !tltl~ Itl <lssi< \,jlll sl'k'ctlll'                                                    II            :!5.0ll              27.:'.00
                                  dl'lUllli!ioil l.HHJ I,'kmHrp hi idcn!il~ \\1,'1 IlHlIl'rillb.
 \Iikag..::                       l.:lhllr i·... 11 :t::l!!C to and 1i,t1111 sitc.                                                         H,"              0.75                I ::!45tl
 Sapplics                         l,ahUra!tiQ Tc~!s unt! R':ImrlS Ilw :'vl\;l;.I Samples. cach.                                              ](I          IOO.lIti            l.oDo.On
 I)":~ign                         Enginccr j)l':,ign J Inur:- to dl.'sign llnJ l'stimntc mold                                                II>           75.00              L20{um
                                  rl,,'l1ll.'d j,ati!'Il .
 l'krk,tl                        . ('kl iL',11 f 10111':- In <I:'sclllrk          ((1::-1    1.'.,lim:lit' <lIltl   tk~ig!1                   R            .15.0{)              2H!LOO
                                  r-:j10f!" 1(11" mold and rCllll.!'tliMlllfl,
I )r.:1Hn,¥                       2·D AtllOl',ld DraHing Iltmrs 10 en.'ale and rJO( mold                                                      X           -i5.(JO:              3MtHn
                                  r\.!'rllcdial iOll plun!-.
1),';1'\ in).!.";                 (kiginnl i'rinls It)!' (,Huld remcJi.ltion I)!an t-t :;,)Pl(;;\),                                         16              5.110    I           XILlI:I    I
J::.!lnmh! !nwl b pl'climi<1ary and                   ol~l~    ad!!;!! tit-sign f,our.;.; Onkl\'(] \, iii he IU\(lil'cd.
                                                                                                                                             I TOTAL                       ;;';3().17K~O




                                                                                                                               SiGNATURE


                                                                                                                      Page 3
      Case 9:13-cv-00089-DWM-JCL Document 2-5 Filed 05/07/13 Page 7 of 11
 Windows Live Hotmail Print fVlessH!,\e                                Pag~ I 01'2




             Windows Live· Hotmail
                                                 Bet;:'1



  FW: [mtla_members_aIIJ Mold Expert
  FI"oi1); Scott Curry (tk€:j19jnce;"!ng\.~i\hotlna\l.com) 

  St!nl: rl'J '-l/13JD7 7; 14 At'''1 

  To: leslie Turner Uenl.1kesrcil!ty({)JyahD(l,(Orn} 

  Cc: Bill Doug!.::',.'> (di.111g1ds1awfirmpc(ij;fronUernet. nel} 





! tl10lfgllt YOLI Illigllt lil<" to see a request frOIll Chod Wold that is going around Kali:;pe!1 100l<in9 [or il "mold
expert regLlrding a defective construction lawsuit", 1 wonder what ctlse thIs couid [)(:, Of course! 1\1L \,Volri never
dil, contact me as recommended by Kalispeil attorney David Stufft. Sounds like they CL"C c,lig!iI:ly be,·,ine! i" lh,~
c(1se, Cln(l of course, worried ;'jl)olit 1101d,

Scott




        From: dstufft@montanasky.net 

        To: Cllal1@woldlawfinn.col11 

        CC; tlcenginecring@i1otmail,com 

        Subject: RE: [l1ltla_members...aIl"J ~lold Expelt 

        Date: Tue, lQ Apr 2007 13:22:0J -0600 


        Chad,




        I 113ve used Scctt Curry, wh~ is in Libby . . He is a graJlj.]!.e
        [~('In O:egon St~(e.             He i~ a very strc1ng witllESS dlld i$ V~l'y
                 i:"J bl.s ;.-ero,!.:t~; dnd dll.:-11ysis. He relates extleruely \.']\::l      ~,c
        :ht-:> d'\/e.:cacre pers ..j n. Hr:.' \vill 9(.1 the eAt~2, mciil. His e-r:tdil   ,;;:
                                                                             i~3
                                                                                             1
                                                                 His cs:ll         40;S-29       342:4.




      From: bounce-492 2248 -4 ~ 1222@]lists.trialsmith.com [n1a iIto: bOlloce-'l92 2243­
      451222Ii'Nists.trialsrnith .co'n] On Behalf Of Wold, Chad 

      Sent: Tuesday, Apr/lID, 2007 12:49 Pt.J 

      To: 1<lontana Trial Lawyers 

      Subject: [Illtla.. !l)(;mlx,rs.. allj IVlold Expert 





                                                                                                 Seilrch




httll:i/by I05w.bay 105.111<1 ii, li\e.comll11aiI/PrinIShell.aspx')tYJ.le=messag~&cpids=7da369d5 ,.. .:Iii 7/2007
      Case 9:13-cv-00089-DWM-JCL Document 2-5 Filed 05/07/13 Page 8 of 11
 Windows Live Iloli1mil Prim Message-                                   Page::'                                                                                         Dr::.




      W;: ;wc hh.ktllg        I~ir    illlit'11.! ..;\pc-n ft'g~\r\.r,n~:l dd~'ui\\:   l'1)jl<;u'tH.:;!iNl   Inn')uI[, pr\:,'fl'l'.lhl;.- in vJc;.k'm ~,'h;!lI:H),\.
      i\lI~ su~:~...:.;,ti~Jn">   \\'(Iuld he.:' ~rc;I!!) apl'!\;ci:Ht'J.




                                  !::.p'J!lsnred IJV' The Jrtmes Street Group            (jIW   TriaISmlth,COf'l1




                                                                                                        Unsubscribe                  Help




     No virus found in tllis outgoing message. 

     Checked by AVG Free Edition, 

     Version: 7.5.446/ Virus Datab;"se: 269,0,0/754 ' Release Date: 4/9/2007 10:59 P~I 





It's tax season, make sure to follow these few simple tips




hltp:/!by I 05w.hilY I 05, ll1ail.liYe.coll1/ll1aiJ!Print$hell,aspx'?type=message&cpids=7da369c15...                                                              4!l7/~007
   Case 9:13-cv-00089-DWM-JCL Document 2-5 Filed 05/07/13 Page 9 of 11




                       TLC ENGINEERING, PE, LLC
                                    P.O. Box 466 

                             103 West Lincoln Boulevard 

                                Libby, MT 59923'()466 

                                 ticengineering@hotmail.com 

                          Phone: 406-293-5950    FAX: 406-293-6071 



December 8,2006


Leslie Turner
PO Box 930
Eureka, Mf 59917


Dear II/Is. Turner:

This letter is to document findings to date as a result of our ongoing inspections of your
residence at 1 Drumlin Lane in Eureka, M:lntana. I explained the concern I had for your safety
during my initial inspection to your home on September 19, 2006. tt was apparent during
sUbsecuent inspections that you had moved out of this home since October 1, 2006. Follow-up
inspections have verified that our initial safety concerns were valid. These inspections have
verified that the home is unsafe to occupy until repairs and renovations are performed. We are
continuing to investigate and analyze the extent of structural, electrical, mechanical and building
envelope deficiencies that make the home unsafe. Further site inspection will be required to
comprehensively document and estimate repair and renovation costs necessary to make the
home habitable. For your safety, I recommend that you continue to live in another home until
these repairs and renovations are completed.

The roof lacks adequate supports and connections. Columns supporting the main roof ridge
beam are too slender and buckling is evident. There are no as-built records of the fireplace
footing and reinforcement. This fireplace supports a large portion of the roof and is suspect of
not meeting minimum recuirements to resist forces that would occur during seismic activity.
There are missing and inadecuate roof beam connectors. Excessive porch truss deflection has
cracked the front porch ceiling. There are inadecuate second story floor-beam connectors.
Turnbuckles hanging from roof beams have introduced noticeable strain that may be creating
roof leaks. tt more likely than not that the roof could collapse under less than the design snow
load or local area seismic activity. Excessive movement and deflection of the roof and
supporting structural system is occurring under minimum loading. This risk alone makes the
house unsafe to be inhabited.
  Case 9:13-cv-00089-DWM-JCL Document 2-5 Filed 05/07/13 Page 10 of 11




Electrical inadequacies provide a threat of fire or electrocution. Lighting circuits are overloaded
and make switches hot to the touch when on, even before circuit breakers automatically
disconnect. Not all electrical conductor connections are contained within junction boxes. These
circuits should be disconnected until renovated.

The mechanical heating system does not operate properly. Radiant floor heat is inoperable in
the kitchen and living room areas. Radiant floor temperatures are excessive in the downstairs
north bedroom and adjacent bathroom. Radiant floor temperatures are excessive in the
downstairs southeast bathroom. There are leaks to be repaired in the boiler room. A radiant
roof heat system is disconnected for unknown reasons. A radiant roof or floor heat system that
leaks could add excessive moisture to the home and create problems that are explained in the
next paragraph. A boiler heat system that does not work properly could fail in a way that poses a
tihreat to life or property. Mnimum heat should be provided to all portions of the home until it can
be properly winterized.

Building envelope failures are creating environmental and safety hazards. There are roof leaks
over the living room and kitchen areas. The windows leak water when rain blows against them.
Water from the roof and window leaks could ignite electrical fires from conductor connections,
wiring devices or appliances becoming shorted, and it creates an electrocution hazard.
Framing, siding, insulation, drywall, carpet and otiher materials get wet every time it rains and are
susceptible to mold growtih. Excessive mold growth can create a toxic interior environment to
humans. A slip and fall hazard occurs when the tile floor becomes wet from infiltrating rain
water. Counter tops and cabinet contents are also becoming wet and moldy. Water stains
appear on numerous roof beams. Structural members that get repeatedly wet and will
eventually decay and lose the ability to resist supported loads. Thousands of insects enter the
home daily through the building envelope which creates a major infestation problem. Air
infiltration is excessive and requires higher energy usage to heat and cool the home. It is
important to cure these envelope deficiencies before the home deteriorates any further, and then
to remediate the home for any excessive moisture and mold.

I propose to revisit the home on Tuesday, December 12 to continue the mechanical and
electrical systems inspection and perform more monitoring of structural and building envelope
inadequacies. Please confirm that access to the home is available on this date. I shall forward
renovation and repair final recommendations with cost estimates when completed.


Very Truly Yours,


Scott A Curry, PE
TLC Engineering, PE, LLC, Partner
 Case 9:13-cv-00089-DWM-JCL Document 2-5 Filed 05/07/13 Page 11 of 11




                       TLC ENGINEERING, PE, LLC
                                        P.O. Box 466
                             103 West Lincoln Boulevard
                                Libby, MT 59923-0466
                                 tlcengineering@hotmail.com 

                          Phone: 406-293-5950    FAX: 406-293-6071 


                                                                                     April 17,2007

Leslie Turner
PO Box 930
Eureka, MT 59917


Dear Ms. Turner:

Please find attached an estimate for the cost of further forensics investigation, design,
estimating, and reporting, as requested by your attorney. This estimate and each of the included
work items are self-explanatory. This professional services estimate is preliminary and only
actual hours worked and associated costs will be invoiced. This work is required to determine
the cost to reconstruct portions of your home at 1 Drumlin Lane that are inadequate and/or
unsafe due to construction defects. Your attorney has asked for a construction cost estimate of
the items that will require retrofit in order to correct the defects. Design documents need to be
developed in order to provide an accurate estimate of construction cost. We have completed
and delivered as-built drawings of your home from which to start this work. Additional
investigation to determine details of the existing fireplace; windows; envelope openings that allow
bug entry; radiant floor heat system failures; and, wet areas that have mold are required to best
document construction defects.

Please talk with your attorney and determine the items you desire to be designed and
construction cost estimated. Please submit a retainer for those work items you decide to order
from our firm. Iwill be awaiting a work order and retainer prior to beginning any further work.


Very Truly Yours,


Scott A Curry, PE
TLC Engineering, PE, LLC, Partner
                           Case 9:13-cv-00089-DWM-JCL Document 2-6 Filed 05/07/13 Page 1 of 1




                                                                                        6',,"-.
 700 STONE MOUNTAIN ROAD                                                                   839-3203 FAX· 389-3000                               REXFORD, MONTANA 59930
                                                                                               PROPOSAL 


TO: LESLIE I CRYSTAL COX                                                                                        RE:       HOME REPAIRS 


        POBOX                                                                                                   JOB NAME:              LESLIE & CRYSTAL HOME 


       EUREKA, MONTANA                                         59917                                           PHONE:           882-4177 


  Q
  T
  Y
                              PROPOSAL FOR:                                                I DATE: 8/26106            I TERMS: BID
      INSTALL A NEW CATWALK FROM THE FRONT DOOR TO THE NORTH WALL.
      THIS IS AN APPROXlMATEDISTANCE OF 35 FEET IN LENGTH AND 10FElBT INWIDTIi 

      THE CATWALK IS TO JlE CONSTRUCTED OF TWO LARGE ENGINEERED GW·LAM BEAMS RUNNING 

      PARALELL TO EACH OTHERAPPROXlMATELY 10 FEET APART WlTH A FLOORICEILING INSTALLED. 

      THE BEAMS ARE TO REST ON THE WALL DOUBLE TOP PLATE. THE LOAD IS TO BE TRANSFElUUID 

      TO THE CONCRETE FLOOR INSTALL HEADERS, ANCHORS AND POSTS AS NEEDED. 

       DRYWALL UNDERSIDE OF CATWALK AND ADD o/.i» T&GPLYWOOD TO FLOOR DECK SURFACE. 

      REPAIR THE DRYWALL IN THE AREAS AFFECTED BY THIS WORK. 

      REPAIR THE CORNER COLUMB THAT IS EXPOSED TO ADEQUATELY TRANSFER THE LOAD FROM 

      THE UPPER STEEL COLUMBS TO THE CONCRETE FLOOR 

      CALK THE TOpS OF THE WINDOWS AND TRIM IN THE PROWESS AREAS 

      REMOVE ROOFING IN THE VALLEY AREAS AND INSTALL EXPANDING SEALANT TO DETER WATER 

      FROMENIERING.                                   ALSO SEAL THE LAPS OF TIlEIlXISl'JNG VALLEYFLASllINQ. 

      RAILING IS NOT IN THIS BID 



               WE PROPOSE BBRIm'Y'l'ORIIOOS.YMA'i'IlR1ALANDLABOR...coMPLJn'ElNACCORDA.NCEwrm:nmA1IDVBSPECIFIC.A~FOIlnmSUMOP;
                                                                                                                      DOLLARS----····---·-···                             $39,835
        PAlMENTTO BEMADEAS lVILOIJ!l1:                             ·50% DOWN AND DRAWS UPON % OF COMPLETEION
 AlLM4ll!11.1ALJS                WImNliW~            AU.WOM:'roBBOJUPI..BIlI.O INA ~MANNmlAO::OR.1JlNaroSIl'iN.t.WU)FRACllCJ!,&, 1M'! AL1mlA'mlffoaDtMAtroNP1tOMABOW~JM\IOl.VIN(T
 RXJ1tACQI1'IWlU.BK:m:m:uJIlDOl«.YllPON\\'Illl"ImlOMltlJtS.R{DWUL~.\t'fl!XTiIAam:GHawa.ANDA8O'W'fH'Ef!:!n1MAtH. AI.L~~lJl'CN~1oCC'1OeI:NnI0Il1llltAT!1I1ln'tlHDC!lIl

 CCIHllt(lL   OWNII3llC CAIlR:'\' ~ 'ltllOW')O.NItI OTJoIl!RJomCi!Z!MlY1HIIt1I.ANCa   oua W!lRla!UAItIlruu:.T ~ BY ~aJI!l'I!MIA'I'lON~ 1'fUl0'VfNBl: D~7OllJ\1UaiINaUWIHII 0fI1toWRI!
 'llWf!+lJlltmlTImiltlNlHGOV'nft.'iPl.01'OlAL tHIS PItOJIOIALfX'lI!SNm' AXlOIlW MmJ)lIBDBS, taE03ttII\AC'1OJtOO&'lNOr MX1!IfIJ('{tmII'ONlll!IlUlmmtEDP. 1BI!Bma vnm))').!('If ~AFlJ!R.joDA"1X

 ACCEPTANCE OF PROPOSAL. • THE ABOVE PRICES, 81'1!C1l'ICATIONS AND CONDITIONS ARE SATISFACTORY AND ARE HERllBY
 ACCEPTE:!>. YOU ARE AUTIIORIZlillTO 00 THE WOIU(AS SPEClFIED. PAYMENT WH.L BE MAl)EAS OUTLINED ABOVE.


 SIGNATURE                                                                                                                      DATE
   Case 9:13-cv-00089-DWM-JCL Document 2-7 Filed 05/07/13 Page of
Case 3:11-cv-00057-HZ Document 97 Filed 12/08/11 Page 1 of 2 Page 110#:21655

                                                                                          /:xn/f5Jj F 





                        IN THE UNITED STATES DISTRICT COURT

                              FOR THE DISTRICT OF OREGON

                                    PORTLAND DIVISION

OBSIDIAN FINANCE GROUP, LLC
and KEVIN D. PADRICK,
                                                             No.3: II-cv-57 -HZ
                      Plaintiffs,

       v.                                                    ]L1)GMENT

CRYSTAL COX,

                      Defendant

       This action came before the Court for a jury trial on r-iovember 29, 20 II, with the

Honorable Marco A. Hernandez, United States District Court Judge, presiding.

       Based on the jury verdictretumed on November 29, 2011,

       IT IS HEREBY ORDERED AND ADJUDGED that Judgment is entered in favor of

plaintiffs Obsidian Finance Group, LLC, and Kevin D. Padrick, and against defendant Crystal

Cox, as follows:

/1/


l-JUDGMENI
   Case 9:13-cv-00089-DWM-JCL Document 2-7 Filed 05/07/13 Page of 2
Case 3:11-cv-00057-HZ Document 97 Filed 12/08/11 Page 2 of 2 Page 210#: 1656

                                                                                            E{h;~J- P 


            1. 	   Judgment is entered favor ofplaintiff Obsidian Finance Group, LLC and

                   against defendant Crystal Cox in the amount of$l,OOO,OOO, and

           2. 	    Judgment is entered in favor of plaintiff Kevin D. Padrick and against

                   defendant Crystal Cox in the amount of $1,500,000.



                   Dated this _---'S"'th:.:-__ day of   December                ,2011.




                                         lsi Marco A. Hernandez
                                         Marco A. Hernandez
                                         United States District Judge




2 -JUDGMENT 


				
DOCUMENT INFO
Description: Scott Curry Montana, Montana Forensics Engineer, Montana Mold Lawsuit, Ronald Nelson, Nelson Construction,Mike Workman Eureka,First American Title, NMAR,