Where Quality Counts and Honesty Matters
CAN'T BE MORE EMPHATIC...........IF YOU BUY FROM D R HORTON YOU WILL LIKELY BE DEFRAUDED. D R Horton is a RICO operating
company. The FBI and various state agencies have begun investigations into 14 US banking corporations and developers,
DHI included. http://edition.cnn.com/2008/US/01/29/fbi.mortgage.fraud/
A major investment group, CtW has even demanded accountability. http://www.donaldtomnitzisacrook.info/Demand_on_Board.html
The very short list of federal crimes already discovered and officially documented
are predatory lending, antitrust, tampering with a federal informant, mail fraud and tax evasion. Official documents
of these crimes displayed at the below menu sites.
30, 2008, it was demanded that CEO Tomnitz and Chairman Horton step down at the January 31, 2008 shareholder meeting.
Each of these criminals had personally signed waivers for formal service of process as defendants in a federal mortgage
fraud case which detailed their nationwide fraud, 07-2625 JL. http://donaldtomnitzisacrook.info/Demand_on_Board.html
Since this official federal notice, dozens/hundreds of additional predatory loans have been issued to DHI consumer-victims
who have contacted me from Nevada, Illinois, Oklahoma, Virginia and California. Additional information, even including
arson, has been compiled and will be posted here shortly after an unsuccessful regime change.
Class actions are now being formed nationwide in the areas of mortgage fraud/predatory lending, construction
defect/lack of warranty, and SEC derivative suits. Contact email@example.com
to be added to the database.
There is a standing $5000 reward
for additional insider information leading to the criminal conviction of D R Horton officers and executives. Contact
me at firstname.lastname@example.org -your anonymity will be absolutely maintained.
‘THE MENU' of 14 below listed web sites, descriptions and hyperlinks are for real
and not exaggerated. Everything is supported with scanned documentation and/or embedded links. The combined web content exceeds
300 pages and 250 scanned documents and will exceed 500/300 respectively with new information yet to be uploaded:
I were to download all of the dissatisfaction to this web site, it would crash. There may not be enough memory on the web
to list it all. For at least an additional 40 pages of postings please visit the following:
http://www.hadd.com/process_datasearch.phphttp://www.hobb.org/index.php?option=com_content&task=blogcategory&id=64&Itemid=295http://www.city-data.com/forum/south-carolina/46123-experience-dr-horton-builder.htmlhttp://www.ripoffreport.com/reports/0/140/RipOff0140840.htmhttp://www.topix.com/forum/business/construction/TKBU84Q560LDBJO59#commentshttp://www.consumeraffairs.com/housing/dr_horton.htmlhttp://www.donaldhortonisacrook.com, conspiracy to defraud extending to upper management throughout the regions of Nevada and Northern California,
D R Horton’s once “hottest market” (A dozen scans)http://www.donaldhortonisacrook.info, various RICO activities in
regions of the US including Nevada, Pennsylvania, Texas, Virginia and Florida (A dozen scans)http://www.drhortonfraud.com, D R Horton correspondence with and corruption of a Nevada official (50 scanned official documents) http://www.drhortonconfidential.com, perjury by three legal teams
in attempted cover up of predatory lending (50 scanned official documents) http://www.drhortoncouldhavekilledme.com, eight documented instances of intimidation and threats to a federal informant (50 scanned official documents)http://www.drhortonsucks.info, 4-500 consumer testimonials regarding mortgage fraud, defects and warranty misrepresentations as recently
as October 2007 (100’s of consumer emails, over 100 updates not yet uploaded) http://www.donaldtomnitzisacrook.com, massive tax evasion in Pennsylvania, and coercion of the whistle blowers (A dozen scans) http://www.donaldtomnitzisacrook.info, repeated notice over the course of years to D R Horton’s Board of Directors that fraud has been rampant
at the company for years (A dozen scans, over three dozen certified mail labels)http://www.drhortonhomelemon.com,
predatory lending, construction defects, warranty misrepresentation and coercion of a Texas senior. (Still under development
dozens of intended scans) http://www.drhortonhomelemon.info, quality and warranty misrepresentations
and double talk (Half dozen scans)http://www.drhortonhomeofhorrors.com, D R Horton’s profits
driven practice of locating developments near carcinogenic EMF and chemicals thereby risking consumers’ health (half
dozen scans)http://www.drhortonhomeofhorrors.info, coercion of seniors and other vocal critics
by using the courts and law enforcement to threaten financial ruin and intimidate (half dozen scans)http://www.drhortonhomesstink.com, D R Horton practice of shafting its own employees, who then turn and become inside informants (no scans
for anonymity, however their verified information is posted elsewhere)http://www.drhortonhomesstink.info, land misrepresentations and
major construction defects nationwide (Still under development dozens of intended scans)
The very short list of recently filed cases across the
nation is as follows:
Nevada State Court Case 05-A-503121-C, Fraud and deceptive business practices;
California State Case RIC369796, Fraud and deceptive business practices; California Federal Case 07-2625 SBA, Fraud and deceptive
business practices, USC Title 18 retaliation; Florida Federal Court Case 07-cv-61030-WJZ, Fraud, Truth in Lending violation;
Georgia, Federal Court Case 07-cv-00081-bae-grs, RESPA violation; Virginia, Federal Court Case 07-cv-00770-JCC, Truth in Lending
CtW INVESTMENT GROUP CALLS ON D R
HORTON TO ADDRESS COMPLIANCE FAILURES: Institutional investor CtW, with $1.4T in securities has demanded that the Board
at D R Horton adhere to Federal Law and nominate an independent Board to manage their currently in house predatory mortgage
lending arm, DHI Mortgage. http://www.ctwinvestmentgroup.com/fileadmin/group_files/CtW_Inv_Grp_to_DR_Horton_Board.pdf Webmaster
note: Based on this and dozens of other sites on the web, the investment community is realizing that the cat is out of the
bag. We are now in a free for all for shareholder derivative suits and putative class actions which even name individuals
from the Board of Directors as defendants.
Lending: D R Horton has admitted to a 96% captive capture rate of writing mortgages for its home building operations where
70% is already considered an antitrust violation. In the Southern District of Georgia, Federal Case # CV 407 081 Horton
has violated RESPA by tying its mortgage lending operations to home sales. In Nevada, case # 05 A 503121C on August
31, 2007, the jury in Steven Betsinger v. D R Horton Inc, DHI Mortgage, Daniel Callahan, Jeff Ward and Debra Martinez returned
verdicts finding that all entities had committed deceptive trade practices. The jury further found that DHI Mortgage
and Daniel Callahan had committed fraud. In the Northern District of California, a similar Federal Case #07 2625 SBA
naming Callihan, DHI and D R Horton has also alleged the same deceptive trade practices and bait and switch tactics regarding
DHI mortgage services. The 200 consumer declarations within are gathered from at least 13 states across the country
and recount the same bait and switch tactics as above.
Where land misrepresentations
are concerned, In South Carolina, state case # 06 CP 071658, residents of a D R Horton community have been silenced by the
court becuase they protested that they had paid premiums for a golf course which was guaranteed to remain in operation
until 2010 by D R Horton. After purchase, the golf course was essentially rezoned and the construction of 250 homes
was begun. In an internal email by D R Horton, a local election is rigged to elect an official who supports 'development.'
In Riverside California, case # 369796 residents had not been told that the adjoining open hills would be developed within
months of their purchase and that other adjoining land was used for military/industrial purposes, storing among
the top chemical carcinogens, and incompatible with residential housing. In Nevada, the Sunridge Heights and Manor
communities were guaranteed by D R Horton that the 'wash' behind their homes would not be developed. Owners paid about
$100,000 lot premiums based on the misrepresentations. The land was subsequently rezoned, and hundreds of additional
units are under construction. Contact Congressman JonPortermail@mail.house.gov
, He has been apprised of this fraud for over two years now. In neighboring Monterey Heights and Manor the residents
were promised restricted use of their quiet private streets by D R Horton which then subsequently used them to service
the next larger neighboring communities.
Where Federal Title 18, threatening
and tampering with informants are concerned, a retirement community in Pennsylvania has been threatened into near silence
by D R Horton after their discovery of the corporation's tax fraud. Their story is recounted at 5thestate.com. In Texas, vocal retirees Fogal and Corrente have been threatened
into near silence for recounting their stories which are available by searching their names at www.HOBB.org. These two along with the HOBB President Janet Ahmad have uncovered political corruption in their state
whereby the TRCC, a regulatory commission meant to protect consumers from fraudulent builders, has had seats appointed to
builder friendly officials with direct ties to the builders by the governor who received $3/4M in campaign financing.
In Florida, an investigator for the state's labor board was targeted in a murder conspiracy when he started gathering too
much information regarding a Federal probe into tax evasion by the corporation's substantial undocumented work force.
http://jacksonville.com/tu-online/stories/021704/met_14837472.shtml In California the author of this site has experienced 8 distinct and proven retaliatory actions by D R Horton,
the last involving an explosive, the site linked below.
General: If you need inside information I have contacts for over a dozen defectors. They have the inside on how
D R Horton deceptively does business ACROSS THE COUNTRY -RICO STYLE- and has to make a mimimum profit in its mortgage lending
division by manipulating locked interest rates, inflating closing costs, not crediting incentives and discounts and the like......
Even more insiders regarding corner and cost cutting in construction whereby homes prematurely fail and safety is compromised all
to satisfy D R Horton's bottom line and shareholder expectations.
THE 400 D R HORTON CONSUMER TESTIMONIALS CONTAINED WITHIN ARE FOR REAL.... 100 MORE HAVE
BEEN GATHERED BUT NOT YET UPLOADED. CONTACTS CAN BE FURNISHED. THE VOLUMES OF INFORMATION ARE DAUNTING SO READ THE BOLD
HIGHLIGHTS. The reason that I have not been sued is that D R Horton is avoiding the courts and not wanting
these 200 pages of information to be further revealed. Horton has however taken other actions.....
When you search for 'd r horton,' on the first two pages you will find sources
such as consumeraffairs, topix, citydata...which corroborate this site. Link to those and then to further third party
links such as HOBB, HADD etc. for even more independent information. All these sources will recount stories of depleted
savings, college funds, 401k's; sleeplessness, stress and anxiety; toxic mold and electrical fires; ruined careers and families;
bankruptcy and financial distress..... Within another interlinked site, the list of responsible D R
Horton criminals complete with their very own damning internal emails are displayed at www.drhortoncouldhavekilledme.com .
Business Week has printed four articles in its early August '07 issues corroborating the within testimonials. Find those
links below. Current and ongoing mortgage melt down frauds are listed on the next 'page,' under the predatory lending
RACKETEERING: An organized conspiracy to commit or attempt the crime
of coercion. COERCION: Compelling by threat. RICO: 1.That the defendant, 2.through the commission of two or more acts,
3.constituting a pattern, 4.of 'racketeering' activity, 5.directly participates in, 6.an 'enterprise,' 7.the activities of
which affect interstate commerce. KEEP THIS DEFINITION IN MIND AS YOU READ THE WITHIN....400!!!.... VERY SIMILAR
CONSUMER TESTIMONIALS -THIS IS NO JOKE.
Attention shareholders: RESPONSE
TO THIS SITE HAS BEEN INCREDIBLE. THE MOST CONSERVATIVE ESTIMATES PUTS THE VALUE OF PREVENTED FRAUDULENT NET SALES PROFITS AT
$3 MILLION PER WEEK ($150M/Yr)......CONGRATULATIONS CONSUMERS! This site will remain in operation until
all board room originated criminal activities cease and consumers are meaningfully protected.
DHI has been trading in a sideways pattern for the past three months. The
stock is falling today after Jim Cramer put out a fairly negative quote on the company's future. Cramer stated that based on what he saw in the
company's balance sheet that he was seriously questioning whether or not the company would be able to "make it".
Technical indicators for DHI are bearish and steady, while S&P gives the stock a negative 2 STARS (out
of 5) sell rating.
that's right, it's been a while since you've thought about these guys since the hedge funds and banks have taken over the
headlines. But the homebuilders are still out there limping along, trying to find a bottom in this housing market mess. In
his post, floridabuilder shares his thoughts about what cash flow means to the major homebuilders. Though he thinks that KB Home
and NVR may be on solid footing, he thinks that some of the major homebuilders like Pulte
Homes and DR Horton (NYSE: DHI) could end up looking at serious liquidity issues.
sad but true, the crimes committed by "America's Builder" haven't been seen since ENRON. D
R Horton's own documents make the case, some of which are posted here and the rest at the interlinked web sites
below. Fraud, Mail Fraud, Grand Larceny, Predatory Lending, Antitrust and even Coercion by the nation's largest
builder D R Horton and wholly owned affiliate DHI Mortgage! Within these pages you will find 400 consumer
testimonials regarding "America's Swindler." As of August 16, 2007, consumer updates take a back seat
to organization of class actions. Verification of the testimonials by 4 business week articles include the following:
Horton sued for lending practices, By Matt Slagle
Horton Inc., one of the nation's largest homebuilders, is being sued by a one-time customer who says he was forced
to use the company's affiliated mortgage service to buy his home, according to a regulatory filing. The lawsuit charges
the homebuilder with violating the Real Estate Settlement Procedures Act, according to a filing with the
Securities and Exchange Commission. The June 2007 complaint, filed in U.S. District Court, Southern District of Georgia, [and
May 2007 complaint, filed in U.S. District Court, Northern District of California], says the homebuilder required
that home buyers use Horton's affiliated mortgage company in order to get discounts and incentives……yada,
yada, yada………click the above link for the complete story, or read the hundreds of testimonials at
this site- your choice, same information.
one of five interlinked sites designed to provide a central clearinghouse of information which is available
to and monitored by law enforcement such as the Federal DOJ, FBI, SEC, FTC and HUD; 27 State Attorneys
General and their respective enforcement agencies such as divisions of banking, antitrust, lending and consumer protections;
the 535 members in both houses of Congress; Wall Street sector analysts and institutional
investment firms with significant capital investment in D R Horton stock; Private and class action attorneys
filing suits on behalf of defrauded consumers; Syndicated national print and broadcast media.
As before, if the following pages crash from too much data input, additional but less updated information
can be viewed at drhortonconfidential.com. At 'confidential' you will also find the list of POLITICIANS
WHO have absolute knowledge of the frauds but have opted to DO NOTHING which has instead required
private citizens to protect American immigrants, retirees and the underprivileged -who by the way and coincidentally, haven't
enough expendable income to donate to election or re-election campaigns. As of August 31, 2007, our President
has finally acknowledged the predatory lending rampant across the nation which has been perfected with near scientific
precision by D R Horton.
of notification of the fraud by many of the above entities is absolutely verified by certified U.S.
government mail and can be viewed at www.drhortonconfidential.com
For that matter, receipt of THREE certified demands on the Board of directors and including Donald Horton and Donald Tomnitz
to enforce D R Horton's rights and to prevent further nationwide fraud is also verified by USPS records and the dozens of
carbon copies sent to the media, wall street and federal law enforcement. View these documents at www.drhortonfraud.com
Please send your comments to my email account at email@example.com
to add to the over 500 consumers already found to inform and warn future D R Horton consumers. Also, the automatic
posting capability at this site is still under development. Please post your blog at an affiliate's site and browse while
Please keep your comments to truthful recounts of your experiences. YOU
ARE PROTECTED by the following Federal Laws:
Title 18, U.S. Code, Section
1512, Tampering with an informant, sub part c: “Whoever intentionally harasses another person and thereby
hinders, prevents, or dissuades any person from (2) reporting to a law enforcement officer or judge of the United States,
the commission or possible commission of a Federal offense…or attempts to do so, shall be fined not more than $25,000.00
or imprisoned not more than one year, or both.”
Title 18, U.S. Code, Section
1513, Retaliating against an informant, sub part e: “Whoever knowingly, with the intent to retaliate,
takes any action harmful to any person, for providing to a law enforcement officer any truthful information relating to the
commission or possible commission of any Federal offense, shall be fined under this title or imprisoned not more than 10 years,
or both.”Please feel free to inform your Federal government, Representatives and Senators of any “D R Horton”
financial transgressions and schemes that you may have been a victim of.
An example of D R Horton Compassion:
Family has not heard from D. R. Horton: "Jackie Mull, Sarah Anne Walker's younger sister, said Tuesday that
it's been more than a week since her sister was stabbed to death in a D. R. Horton (DHI) model home in McKinney.
She said no one from D.R. Horton, Sarah's employer, has tried to contact or return any phone calls to her immediate family.
'They have not offered any condolences to any of [Sarah's] family members,' Mull said. 'They have not called her father, they
have not called her mother, they have not called her brother and they have not called me.' …..The Mulls were
making funeral arrangements at the time and wanted to know if they would be releasing her commissions since they had to pay
the funeral expenses with a credit card. She said the company told her they would not be paying those commissions. 'They told
us Sarah was no longer an employee of D.R. Horton, and we are not paying any commissions at this time,'……Smith
said she feels D.R. Horton could have done more. 'They should have paid for it (the funeral) and be darn glad to do that.’
'I feel like they should have stepped up immediately covering costs and do what they can for the family...This is a multimillion
dollar corporation. What's a $7,000-$8,000 funeral going to cost?'"... [The answer is: Its not about decency,
at Horton its about the bottom line.] http://newhomebuildersnewsblog.com/
exposees in Business Week articles:
named defendants, Donald Tomnitz and Donald Horton have opted not to answer substantive questions regarding the myriad frauds,
but have instead instituted self serving procedural delays and judicial abuse. Their actions have guaranteed that this site
prominently remains in operation to prevent future consumer fraud, which in turn severely injures the D R Horton Corporation.
All D R Horton Board members are still currently in August being notified by fax of recent ongoing predatory lending schemes
receieved from consumers visiting this site. The frauds are detailed and will be updated at this site on the next page under
'predatory lending,' and are the first recounted stories. IF YOU ARE A VICTIM, CONTACT ME AND YOUR STATE'S ATTORNEY
Why can't I been sued for libel/defamation?
-Because the truth hurts:
Section 45a of the California Civil Code provides protection for a privileged publication
or broadcast made in any: (b) (2) judicial proceeding; (d) (1) By a fair and true report in, or a communication to, a public
journal, of a judicial proceeding; (e) (2) By a fair and true report if the publication of the matter complained of was for
the public benefit.
Because of the value of public comment on newsworthy events, the First Amendment requires that in
order to establish defamation, 'defamed' individuals must prove that the statements were false and were published with actual
malice. Actual malice generally refers to statements made with knowledge of their falsity or in reckless disregard for whether
they were false or not.
CEO DONALD TOMNITZ AND THE DR HORTON BOARD ARE CROOKS AND HAVE KNOWN ABOUT THE
FEDERAL PREDATORY LENDING FOR YEARS........... Now will you sue me?
the links below for further details. This 5th of five web sites is still under development. Email me and send your comments and grievances
for posting. Anonymity will be observed. If the link fails paste firstname.lastname@example.org in your mail server window.