u/CSpringsC7

AI Says:

According to the FBI and state regulators, Utah—which has a majority population of Latter-day Saints (Mormons)—has consistently ranked as having the highest per-capita rate of affinity fraud in the United States. While comprehensive tracking by religious denomination nationwide is difficult, data heavily correlates this peak with the tight-knit culture of the Church of Jesus Christ of Latter-day Saints (LDS).

Why Financial Fraud Flourishes in the Community

Several distinct cultural and sociological factors explain why this specific demographic is disproportionately targeted by member-on-member financial crimes:

The "Culture of Trust": Latter-day Saints form highly tight-knit local congregations (called wards). Members naturally extend a high baseline of trust to anyone who is an active member, holds a leadership calling, or is recommended by a fellow ward member. Fraudsters actively exploit this to bypass standard business vetting.

Bypassing Due Diligence: Because of this built-in trust, victims frequently fail to conduct basic financial background checks or look for red flags. A recommendation from a trusted friend or church leader is often mistakenly viewed as a stamp of financial legitimacy.

The Prosperity Theology Connection: Sociologists note that a subset of the culture sometimes subtly links financial success with personal righteousness or divine blessing. This can make members more susceptible to flashy, high-return "get rich quick" investment pitches.

Underreporting Due to Embarrassment: Many instances of internal fraud go unreported to secular law enforcement. Victims are often too embarrassed to admit they were duped by someone they worship with, or they attempt to resolve the issue internally through church leadership or forgiveness.

Scope of the Problem

The financial impact of affinity fraud in LDS-heavy areas is severe enough that it has prompted unprecedented state-level intervention:

The "Fraud Capital" Moniker: Federal investigators have repeatedly referred to Utah as a "hotbed" or "capital" for white-collar crime. Over the years, individual high-profile "Mormon Ponzi schemes" have collectively defrauded victims out of hundreds of millions—and sometimes billions—of dollars.

First-of-Its-Kind Registry: The problem became so pervasive that the Utah Legislature established the nation's first public white-collar crime registry. It functions similarly to a sex-offender registry, publishing the photos and names of convicted financial fraudsters to protect the public.

Official Church Warnings: The issue is recognized by the LDS Church leadership itself. Top church leaders have issued explicit warnings during global conferences and published official notices advising members to avoid speculative investments, secure their debts, and remain hyper-vigilant against affinity fraud.

You are human. Vulnerable to a con artist who cares only about themselves and making money off of the misery of others.

However, it is shameful to have all the facts drilled into you for years now, and you are still refusing to stop assisting the conman in the destruction of our HOA.

To see an Owner lose their home, and not be jolted back to the real world is shameful.

You do realize, you were set up to be the ones wrongfully depriving an Owner of his home, right? Joel's defense is going to be it is not his role here to advise you. He just takes orders from you. Yes, he is licensed with the state and he knew every second that you were breaching your fiduciary duty to that Owner. He sat and watched you commit a shameful act for a whole year, and never spoke up. An unclaimed warranty still is valid for years. And yet you still sit, doing everything Joel wants you to.

Even the paid shills, and I am 100% certain there are some on The Board, are being set up to pay the price of depriving Ian of his home. Joel is not loyal to you, either.

Joel wanted The Board to be Managers so he can have that setup which he thinks absolves him of any harmful acts you commit. Even if you commit them at his suggestion, or instruction.

That he is still working here is a travesty. A breach of everything you are supposed to be doing in a Board Member position.

I don't think a jury or the authorities will find Joel's excuses acceptable.

I don't. The Board should not. He should be out of here today, if you have any sense at all.

I am no genius. I am just an old lady who is paying attention to what is going on here. Any of you should be able to see it too. Wake up!

Makes every Board Member look complicit. Even the new ones.

No reasonable, honest person can justify a CEO of both a property management corporation and a company that builds homes acting like Joel did. It was cruel. It was a crime. Just the act we saw happen. Just Joel watching an Owner lose his home, knowing he could stop it with a phone call, is a crime for a person in Joel's position.

Having him work here endangers hundreds of Homeowners.

That is a serious breach of The Board's fiduciary duty to this HOA.

WHY IN THE WORLD IS JOEL SO IMPORTANT TO THE BOARD?

MORE IMPORTANT THAN EACH BOARD MEMBER'S OWN PERSONAL FINANCIAL FUTURE?

MORE IMPORTANT THAN HUNDREDS OF OWNERS' PROPERTIES, AND THEIR FINANCIAL FUTURES?

There are thousands of people we could hire to be the manager here.

We don't have to keep one of such low morals. One with such bad character. Strangers put their lives in danger when they see a car accident and a person is suffering. They often jump in to help. Joel watched a person he was supposed to work for, suffer for a year, and did absolutely nothing. He just had to make a phone call. Or tell The Board, "Hey, there is a six-year warranty to pay for the damage." But he did not do either of those things.

How can nine people see that and do nothing, too?

HONESTLY, I DO NOT GET IT.

The Board's loyalty to a man who has no integrity or humanity makes me distrust the entire Board. It throws their judgement about everything into question. And after they worked hard, even cheated, to pass rules that strip Owners of their right to make decisions about their own homes, and pass it to The Board, that is scary.

No one should be ok with how Joel handled Ian's situation. It is grounds for termination everywhere.

Never!

I don't see how nine people don't understand that.

This makes the situation infinitely more urgent and tragic. An innocent homeowner losing their home due to the preventable financial burden of a structural collapse—while a licensed professional watches and the board refuses to act—is a profound miscarriage of justice.

When a homeowner is forced out due to structural negligence, it escalates the situation from a standard HOA dispute to a matter of severe financial damage, potential criminal negligence, and massive civil liability.

Sue the Board and Manager for Breach of Fiduciary Duty: The board has a strict fiduciary duty to maintain common areas and structures. By refusing to claim the 6-year warranty on a failing roof/ceiling, they breached that duty. The displaced owner (and the community) has grounds for a massive lawsuit against both the board members personally and the management company.

"Involve the Local Building Department and Code Enforcement: A ceiling collapse indicates a failure of structural integrity. Report this immediately to the city or county building inspector. If code enforcement deems the building unsafe or finds the rebuild failed to meet local codes, it forces a paper trail that the board cannot ignore or hide from insurers."

Anybody waking up?

Because AI's suggestions get more drastic. And AI wants to help.

If what happened to Ian happened to any of The Board Members, they would not have been so easily manipulated.

No doubt.

"File an Insurance Claim Directly: If the board refuses to act, a group of homeowners or the impacted owner can sometimes file a claim directly with the HOA’s Master Insurance Policy or Directors and Officers (D&O) liability insurance. The D&O policy covers financial losses caused by the board's wrongful decisions (like ignoring a warranty)."

The warranty is STILL GOOD for another three years. The fire was just four years ago, and the repairs took time. They were shoddy, but they took time.

If The Board refused to do their legally required duty, we should do it. And make sure every single Owner here knows the whole horrific situation.

This is one of them.

"Alert Local Media (Investigative Journalists): Hostile takeovers and predatory property managers thrive in darkness. Local "On Your Side" investigative news teams look for exactly this type of story: a grieving family, a stolen fire rebuild fund, a collapsed ceiling, and an innocent person losing their home while a licensed CEO profits. Public exposure often forces immediate state regulatory action."

That is an observation often attributed to Mark Twain. He may have said it a little differently, but this version is often quoted. This may be the only time Twain's words were simplified by others. Straightforward prose was his thing.

Some people build businesses based on that truth. Conning people is easier than getting them to stop believing the con, and stop acting against their own best interest. And the best interest of hundreds of homeowners.

You would think an Owner losing his home because of the con, and for no other reason, would wake everyone up. I'm still hoping.

You would think that knowing a man sat back and watched a young man suffer for a year, while he was wrongfully driven from his home, when the man had knowledge that could instantly stop it, everyone would realize that man is unfit to trust with anything.

You would think.

You obviously don't do that.

You eliminated the position that had oversight of you, that knows the law, that was trained in property management, and would have educated you on construction warranties. You made yourselves the only authority here that can make decisions without getting all Owners involved.

You shut down any means of getting all Owners involved and started making mistake after mistake that had overwhelming bad results for many Owners.

Why act like that? Who benefits? Not Owners, that's for sure. So why do it?

No business allows people to eliminate the positions that provide oversight of them.

None. You had no right to do that here. That move directly led to an Owner losing his home. That was 100% because you all overstepped and abused your authority.

You should feel bad about that. You should all be dying to fix it. If you were thinking straight, you would be. You would not be able to sleep at night until you made things right.

Even when we make Ian whole, the fact that he was driven out of his home by your arrogance remains. It is never undone. Just compensated for financially. We can never compensate him for the horror you visited upon him. We need to return to a system where that can never happen again.

And his company still works here is a breach of The Board's fiduciary duty. And a slap in the face to me, who had an employee, Joel Prince, actually refuse to give our insurance info to a company that was trying to finish the job. There is no business that would keep him after that, except, Cedar Springs.

It shows that they are more connected to Utah Management, than they are to Owners.

Why? That is what we have to find out.

It's not because they save us money by recommending cost effective vendors. The plumber they have us use over charged one general contractor Owner, "massively" and gave a bid to another Owner that included a misdiagnosis, with unnecessary work, and bid a more than 25 times higher than the Owner got someone else do the job.

It is not because they help Owners with all the issues our Manager helped us with for 45 years. They eliminated, or The Board eliminated, possibly at Utah Management's instruction, several services that are customary at HOAs.

Why do that? An HOA is just the business created BY OWNERS, FOR OWNERS. Why make things harder for Owners?

For example, why should all the Owners in a building each hire a professional to relight their pilot light on waterheaters, when they have been shut down to fix a gas leak?

Why not have the HOA hire one professional to light them all? Like we have done since this condominium complex started?

The HOA is just all of us, working together, to maintain and run our shared property. We all pay in and we all have issues that can be paid for with our funds. It actually saves Owners money. HOA money = Owners' money.

Why cost each Owner more than $100 to relight the pilot lights when the HOA, which is all Owners, can pay maybe $200 to light them all?

Better yet, why don't we have Managers who know how to do the Manager's job? Of which lighting pilot lights is standard.

Utah Management operates on a Landlord/Tenant model. We are not tenants. That model harms Owners.

If Joel Prince has not been fired because he denies sabatoging me, if he lies about that, I bet he will lie and say he told The Board they were legally responsible to claim the construction warranty for C9. He will say you guys defied him, or ignored him. Because he intentionally withheld information that cost an Owner his home. And he will blame it on you.

Does it have to get to that before you start believing me?

Someone who sabatoges the people they work for will also lie about it. At some point you have to start believing Owners.

Any Board Member, fighting to keep Utah Management, after Joel Prince withheld information that could have saved Ian from losing his home is suspect. Some Board Members are traitors. They are working for Joel. The ones who defend him the most are likely the traitors.

There is no acceptable excuse for decimating a person for whom you work. None.

It is something BEYOND negligence to allow Joel to continue working here.

Snap out of it!!!!!!

I recognize it when I see it.

Last week someone used my PayPal account to go on a shopping spree. I thought that was the safest way to pay, that they have built in safety measures.

Not true. Luckily my bank started declining the purchases and contacted me to see if they were mine.

Every time you turn around, someone is looking for a way to take advantage of you.

I don't understand how The Board can't see what is happening, right in front of their faces.

A dime a dozen thief is in their midst.

Even if they don't understand what they have done, and how wrong it was, our HOA has been taken over by dishonest people who think it is ok to cheat during an election to change our CC&Rs. Doing that was literally a crime. That is how wrong it was. Chris Taylor was the worst offender and there are lots of witnesses to his behavior. That The Board made him President is an affront to every Owner here. He uses his position on our Board to defend paying a cleaner over $100 an hour to vacuum once a week. He appears to have zero business experience or any understanding that our HOA money is not his to be generous with. If only he would fight for our HOA as hard as he fights to pay the cleaner many times more than we can hire someone to do the job. Finding the best price is what he is supposed to do. The same with vendors we hire. Using Utah Management's contacts we are definitely being over charged.

When my ceiling leaked, I had to find an emergency plumber. It so happens, the only one available was one that Utah Management wants us to use. They gave the upstairs Owner a quote of $1,300. The owner called his guy, and the job cost less than $50. Utah Managment's recommended company diagnosed things that were totally unnecessary, and inflated the cost more than 25 times. That is how corrupt management companies operate. They are scamming us with every vendor they recommend.

Another Owner who is a general contractor told me that The Board basically forced the same plumbing company on him for a project. As a contractor he is very familiar with what things cost and he said they way over charged him. Not only is Utah Management costing the HOA money when we use their recommended vendors, individual Owners are being scammed by them, too.

The first violation commited by The Board, going behind Owner's backs to hire Utah Management, was a severe violation of our Governing Documents. I think those three Board Members who did it were coached by someone who would benefit.

I consulted an HOA attorney who said that act was an egregious violation of Utah Law as well.

That act was just the first in a long line of egregious acts. That included, Owners being charged for things Utah Law does not allow, cheating in the election, never listening to scores of Owners' complaints about what horrible service they get from Utah Management, The Board including rules in the election that allow a management company to enact a hostile takeover, The Board refusing to claim a construction warranty that was their legal duty, and causing one Owner to lose their home, not listening to my firsthand experience with Joel that ended in circumstantial proof that he stole $30,000 from my nephew's fire rebuild, which the HOA had to pay, out of our own HOA funds, in September of 2024 when Blue Sky restoration company discovered the theft after Joel refused to give them our insurance information so they could submit a supplemental claim. They billed Cedar Springs and the financials in September, 2024 show we paid that bill. Joel thought he was stealing from my nephew, but instead stole from our HOA.

Based on the way The Board acts, I think they were told it is hard for HOA owners to stop rogue boards, if they just stonewall and ignore complaints. That Owners would have to sue them and it would start at $10,000 just to file a lawsuit and go up fast from there. And that The Board could use HOA money to drag the lawsuit out and get Owners to drop it because it would be too expensive. Using HOA money that way is a crime.

We are not safe as long as these people do whatever they feel like, and protect Joel Prince who has acted unconscionably toward many Owners, the entire HOA and even The Board itself. They are so attached to having him work here, they don't even see how he set them up to be financially ruined for depriving Ian of his home. He knew they were wrong, every minute of that year that they treated an Owner so cruelly. He watched it happen instead of giving them the professional knowledge that we hired him to provide. No one does that for no reason. I believe if we do an audit we will see he or a Board Member stole from that fire rebuild, too, and it would be discovered if the construction warranty was claimed.

Even proof, of theft, with outside witnesses, is not enough to get The Board to wake up. They make themselves look guilty of something by that action.

Joel Prince sabotaged my efforts to get my nephew's fire rebuild completed. Which it never was. He dragged it out to four times the amount of time it was supposed to take. He never helped me, not once, in getting it done. He actively did the opposite. I think the only reason he wanted to be the point person overseeing it, was to steal insurance money from it. What he did is wildly wrong. And it is wildly wrong that The Board has heard all this, multiple times, and still protects Joel. And by doing that, endangers our HOA.

Every single Board Member would be as angry as I am if they had experienced what I did with Joel. My conscience will not let me back down until he is gone from here. I would feel complicit to have this information and not make sure every Owner knows what happened and how unbelievably wrong The Board has mishandled this situation.

Why is it so hard for The Board to believe Joel is a thief? A con man. A person who harms everyone he can if he can profit from it. There are stories of guys like Joel on the news all the time. Where people thought the criminal was an upstanding person, but he was robbing them behind their backs. That has happened to us.

I think he was behind all the changes to our HOA that left us vulnerable, with reduced services for Owners, with no oversight of The Board, or Joel, with The Board making themselves Managers, and then refusing to do possibly the most important task of a Manager, that deprived an Owner of his home, The Board sitting around a table, stripping rights from Owners that Utah Law gives them, with no qualifications to do that, still at that table, acting like superior beings, although they have no training or knowledge that qualifies them to create new charges for Owners, just one month after they increased our monthly fees 58% for the year. An increase that should have taken seven or eight years. Deciding to parse words and squeeze $567 dollars from Owners in the B and C buildings, unlawfully. It seems like they have made no changes that benefit Owners. Everything they have done, strips them of things and harms them. Why would an HOA Board do that? I don't believe any of the Board Members would have come up with all the destructive things they have done here on their own. I believe Joel coached his assistant, a Board Member working against our HOA, to implement them all. For Joel's benefit. You have to be one hell of a conman to get HOA boards to act against their own best interest.

And endangered every Owner here.

People are making huge financial investments, and a rogue Board has violated everything they were supposed to honor.

That is shameful. I hate that I am going to have to be the one to tell them.

Joel Prince, a millionaire, is one of them.

I personally experienced him sabatoging a condo rebuild in an extraordinary way.

He did not want to give the restoration company I had been dealing with our insurance information. The second company to work on the project, they bought the company that started the project, and then went bankrupt. At the end of the fire rebuild, they had not touched the patio because they had not been paid enough for the job, they said. It was badly water damaged. It has a wooden picket fence that was damaged by the water and then sitting for almost two years, because Joel Prince refused to hire another company to start the rebuild when it had not been worked on for months. I asked him to multiple times. He refused every time. I found that strange. You typically don't pay the total amount up front for construction work, because they may not finish it. You lose your leverage. It should have been easy to replace a company that was not working on the job, long after it was supposed to be finished.

I found it strange that the CEO of a management corporation that had just been hired was overseeing a fire rebuild. That would typically be done by the manager.

I found it strange that he was so horrible at a simple task and it took four times as long as it was supposed to. He was the CEO and should be better at the job than his employees. Why did he usurp that task and then completely abandon it?

So, when Joel refused to give the restoration company our insurance information so we could get this already delayed job done and sell the unit, he said something that was a tell about what he had been up to.

He never helped me with the rebuild. He just "handled" me with lengthy phone calls. Which I found strange. I had to track down all the construction teams and try to get an answer as to what the holdup was. After spending hours doing that, to have the CEO who was supposed to be helping me, sabatoge the job, again, I knew he was hiding something.

He told the Project Manager that he could not submit a supplemental claim. He said he had seen pictures of the patio and fence before the fire and that it was not in good shape then. Therefore, he considered the job completed.

Well, where do I start. First, that is not his role to make such a determination. Next, it was a lie. The patio sustained damage that our insurance paid to repair.

Next, the pre-fire condition of a property is irrelevant. There is no way that could be considered and factored into how well they do the fire rebuilds. It would be impossible. Joel knows that. He just lied to hide something from being discovered if the supplemental claim was filed.

I knew it was a lie. A very bad one, at that. The project manager, an actual expert in fire rebuilds knew that. And we both knew Joel was hiding something.

Having an employee sabotage an already problematic, delayed rebuild is such a rarity, I would say it never happens.

Joel acted like an idiot to concoct a lie that actually accomplished the opposite of his goal. That lie was a neon sign flashing "I stole money paid by the insurance for the rebuild."

It sickens me that our Board has let him continue working here for 18 months after I told them this story.

I had to tell them in person, multiple times, because Joel gets all the mail for Cedar Springs delivered to his office. I did not trust him to pass it on. It turns out, The Board doesn't care that he is a thief anyway.

He is a bad person. Not even good at his job. What is his hold on The Board? Just overstepping, to make a decision that is NONE OF HIS BUSINESS is grounds for his dismissal. Just that sabatoge is enough to see he can not be trusted. Then you factor in how he just sat back and watched for a year as the Board refused to do their job and claim the construction warranty on unit C9, and that caused the Owner to lose his home.

Allowing The Board to refuse to do their job, and withholding his professional knowledge from them, Joel was endangering the financial future of every Board Member. He was stabbing each of them in the back. They are liable for all damages they caused an Owner to suffer. What they did was reckless. Cruel. Unbelievable, and proof that they are unqualified to serve as Managers. They gave themselves that job, and refused to listen to the Owner they were abusing over a period of a year. We need oversight of The Board so they stop ignoring Owners the way they have been for years. We had oversight of them for 45 years, until this group eliminated it. Unlawfully.

The Board is violating its fiduciary duty again by keeping an abusive property management company here and sending that CEO our $70,000 dollars a month in fees.

What the hell is wrong with them!!!!!!

All that is indisputable. And then add on his hostile takeover of our HOA, so he can continue abusing us, and having him still here is a crime. Factor in the thefts that precipitated Joel's bizarre behavior and the fact that he is still employed here is an abuse of The Board's power.

The only thing that makes it at all bearable, is that The Board will be personally liable for any more money that Joel steals from us.

When the "professional" management company that The Board violated our Governing Documents to hire, withheld information - at the very least - that caused Ian to lose his home, he left us liable for that act. The HOA, and because The Board has been overstepping for years, they are personally liable. Cedar Springs will have to recoup any losses from individual Board Members who have treated their volunteer job as a big game where they abused their power.

Joel has set up a system where he feels he is protected from liability for anything he does here. His employee even told me that Utah Management just does what The Board tells them to do. They are not responsible for the actions.

I would dispute that. But that is Joel's system. I have had owners from other HOAs that are managed by Joel tell me that is exactly how he operates there. At one place a group of Owners want an audit. There has not been one for eight years. They see many questionable charges and asked their board for an audit. After consulting with Joel, the audit was refused. Joel said it was the board's decision, the board said Joel told them to refuse it.

That's the game he played here with the fire rebuild warranty. I don't think Lee would just refuse to claim it, unless she had been lied to by Joel about who was responsible for the faulty rebuild.

I think Joel manipulates The Board and they just trust him.

I don't think Lee and Cheryl and Janis coincidentally included the rules in an election that corrupt property managers use to conduct a hostile takeover of an HOA. That had to be ALL Joel's idea. He is the only one who would benefit from transferring all the power away from Owners to The Board, and then increasing size of The Board enough so that he could gain the majority by planting people on it to do everything he told them to, for payment from Joel.

Joel has had a hand in setting up the system where the position that had oversight of The Board was eliminated. He does not want that duty. He wants Board Members to be liable for things they do wrong, like refusing to claim a construction warranty when it was their responsibility to claim it. He will encourage them to make mistakes, maybe even have his assistant on The Board outright lie to other Board Members, and cause the problem.

Cedar Springs will be on the hook for Ian's damages, too. And a professional property management company could have eliminated that whole horrible, year-long event, that ended in an already suffering young man losing his home, just by telling The Board the truth about who was financially responsible for the damage to C9.

You have to be narcissistic-level selfish to act that way.

When an employee damages their employer, sabotoges them, they have to go. Joel sabotaged Ian, he sabotoged the rebuild of my nephew's unit, he sabbotaged The Board and he sabbataged the entire HOA, leaving us vulnerable and liable for a huge amount of money. He knows exactly what he is doing. He does it easily and does not care who he hurts. He is an ongoing danger to all Owners here.

Get rid of him, return our system to the one that got us through 45 years, and ditch this monstrosity that was created to benefit only one person and his corporation.

Those Board Members should end their deal with Joel and work to get other Board Members to fire him.

Anyone who sits and watches as a nice, mild-mannered young man is abused, in such a horrific way by the group that was supposed to take care of him, has no moral compass. Is irredeemable.

He should have all access to our system and assests severed immediately.

That is the first step in making Ian whole. Letting him know that we realize what happened here, and we are working to make amends.

Joel committed his treacherous act right out in the open. Over more than a year. It cannot be erased. It cannot be excused. It is his big mistake that will cause his total downfall. It stands forever, for all to see. And his actions in my family's fire rebuild corroborate what happened. I watched him sabatage that rebuild. I personally experienced his evil actions.

The curtain was pulled aside and we saw exactly who Joel is. Hopefully the wheels of justice speed up a little, because there are scores of HOAs being abused by Joel every day. They need to be free of him as soon as possible.

What he did, was like murdering someone on stage at the Super Bowl. Or the Oscars. It lives forever, and it was undeniable. Any reasonable person hearing what he did knows he should not have access to an HOA's assets. When a professional property management corporation's CEO either just watches, initiates, or assists an HOA board that refused to claim the construction warranty for a failed fire rebuild, and the fire survivor loses his home because of that, they should not be in that business anymore. What other dark issues were involved are for law enforcement to discover. The "why" is for someone else to discover. But sitting back and watching one of the Owners at an HOA that pays him for his professional knowledge, lose his home, when all that CEO had to do over the course of that year was make one phone call, that should be career ending.

I am having a hard time understanding why it is taking The Board soooooo long to get it.

Any Board Member still under his spell is not fit to be on The Board.

Those Board Members should end their deal with Joel and work to get other Board Members to fire him.

Anyone who sits and watches as a nice, mild-mannered young man is abused, in such a horrific way by the group that was supposed to take care of him, has no moral compass. Is irredeemable.

He should have all access to our system and assests severed immediately.

That is the first step in making Ian whole. Letting him know that we realize what happened here, and we are working to make ammends.

Joel committed his act of betrayal right out in the open. Over more than a year. It cannot be erased. It cannot be excused. It is his big mistake that will cause his total downfall. It stands forever, for all to see. And his actions in my family's fire rebuild corroborate what happened. I watched him sabatage that rebuild. I personally experienced his evil actions.

The curtain was pulled aside and we saw exactly who Joel is. Hopefully the wheels of justice speed up a little, because there are scores of HOAs being abused by Joel every day. They need to be free of him as soon as possible.

Any Board Member still under his spell is not fit to be on The Board.

1. Do you understand what a warranty is?

2. Do you understand that when there is a fire, our master policy property insurance covers ALL Units involved in the fire? And that all unit Owners pay for the master policy through their monthly fees? And that the affected unit Owner pays the deductible, for which they carry a personal property insurance policy?

3. Do you understand that when an Owner returns home, after our master policy has paid the HOA for the fire rebuild, and the Owner's ceiling collapses, within six years of completition of the rebuild, the cost to repair those damages is covered by a LEGALLY REQUIRED warranty? Because Cedar Springs selected, hired, and paid the restoration company, the contract is with Cedar Springs? And the warranty is claimed by Cedar Springs Representatives?

4. Do you understand that there is NO situation in which our master policy pays for the rebuild, and then when that rebuild fails, the unit Owner is financially responsible for the repairs?

5. Do you understand that by going behind Owner's backs to make yourselves Managers here, and then not claiming the warranty when C9 needed it, you have commited an egregious act of malpractice, which caused unthinkable harm to our neighbor, our business partner, our fellow HOA business partner? And that you have made yourselves liable for all the damages, including punitive, that Ian suffered? Can you see you have proven, with this situation, that our HOA was right in always choosing to have a professional Manager? And that you are 100% unqualified to do that job, if Owners can wrongfully lose their homes with unqualified Board Members working as Managers?

6. Can you imagine this same group of people doing that to you? You have to move out of your home for months, and you have lost almost all your possessions because of water damage, to make sure the fire does not spread, and then a rogue, over confident, overstepping Board refuses to claim the warranty and you lose your home? Do you get that not all people are honest? One or more Board Members may have been intentionally harming Ian, and you let them do it, when it was your job to think for yourselves and stop them?

7. Do you understand that Joel Prince had to have done that intentionally, because the law requires him to understand the process HOAs follow after a fire in order to obtain a license to operate the corporation he uses to manage properties? Did you know Joel builds HOA townhouses and fully understands every facet of a construction warranty, and yet he failed to tell The Board they were wrongfully driving a man out of his home? Have you considered the possibility that Joel was actually instructing a corrupt Board Member to do exactly what you all did? Instructing them to keep the warranty from being claimed, at all costs? Do you think it is right that Joel did not share the professional knowledge, for which he was hired, for which we pay him, because you have made yourselves Managers and he feels that absolves him of responsibility for any horrific acts you commit? So he can just watch them happen? Or, worse, he can set them in motion, create them? If he withholds his professional knowledge, why do we need him? We could have anyone recommend vendors, and receive our $70,000 a month in fees and what ever else it is he does, because he has eliminated most of the services Owners could depend on in the past.

8. Can you think of a reason a person would act the way Joel did, watching an innocent person lose his home, because of the crushing financial cost to repair his home, when Joel knew ALL the time, there was a warranty to cover the costs?

9. Can you imagine the harm a person like that can do to our HOA with full access, unsupervised, to all our assets?

10. Why the hell haven't you fired Utah Management? If you don't care about Ian, and the devastation you caused, do you care about yourselves? Your families? Do you realize Joel set thing up here so that he can harm Owners, and then claim it was all The Board's fault? That he doesn't care if you lose your homes to the crushing debt legal costs cause? Or that punitive damages for what you did to Ian can leave you broke for the rest of your lives?

11. Do you understand that hiding this situation from Owners was wrong? That transparency is vital in making sure this kind of horrific act doesn't happen? That a criminal, doing criminal things behind the scenes wants everything hidden? And hundreds of people OWN this property, and a board is just a temporary steward, required by law to act only in the best interest of the OWNERS? If Owners had known what was going on, it would have been stopped?