PLEASE spread the story far and wide. Not a single organization or person that is supposed to care about this and help care. Instead, I'm left living in an incomplete and dangerous house, havaing to listen to organization after organization repeat the lies that the pathological liar (I have documented evidence, but people go against that and listen to Charlotte who does NOT have documented evidence) Charlotte Ford constantly tells. She did NOT finish ALL of the repairs on the insurance estimate and she STOLE the money. Plus, she sabotaged and ruined my house. She keeps saying I owe her $40,000 and laughs about the things she has ruined and sabotaged.
She took advantage of a disabled and serious compromised and then seriously ill person.
I have the record of every payment made to Charlotte L'Juan Ford of Hope Field Construction and the proof that she cashed every check that I wrote her. You can the Checks I wrote and Charlotte cashed and other payments here. I have it all documented. There are no lies coming from me. Charlotte is the one that needs to answer. She owes me an entirely new house. (I need to see if I can get them, but she also owes me for all of the months that she kept me out of my house and I had to stay in an extended stay).
The insurance estimate, as seen here - Estimate from Liberty Mutual - says that the repairs shouldn't have cost more than $112,000. However, they did forget my 2nd bathroom. Then, I did ask for some extras, but none of these things should've cost $90,021. Some of that money should have been for me to replace my contents.
The theft of money is awful, but it gets way worse than that. My house is only "liveable." And that is debatable. The city of Lake Charles wanted to condemn my house. I don't have money to live somewhere else. I don't have family. I don't have any local friends that are able to house me and my little service dog, Radar.
How are things worse? My house is not complete and as I find things that need to be completed, more problems are found. These are not problems from an aging house. My house should've been brand new.
When my air conditioning went out in April less than a month of me being back in my house, I reluctantly agreed to letting Charlotte come back in order to fix it when somebody, N, said they would be on my property to watch Charlotte and another person, D, took me out to eat. Charlotte did NOT fix my air conditioning. Instead, she put rodents in my ceiling and air vents. There were no scratching noises in my ceiling before Charlotte came to supposedly fix my air. Afterwards, there were tons of scratching noises and I could pinpoint where rodents were trying to scratch througth my ceiling. One day, I heard a very loud PLOP and rodents started running all over my house. I don't have food sources for them out where they can eat. I hear them eating my house every day and every night. Now, they are literally "eating" my house as they constantly c hew on stuff and there are no food sources for them.
I knew that I was told there was a gas leak, though this seemed strange as I was paying for gas while Charlotte was working on my house. My gas bill showed usage. I called out a couple of plumbers to check what needed to be done. They told me that the gas pipes are cut into pieces. The second one was more thorough and let me know that the plumbing (attic) vent is missing. Therefore, if I had gas heat, the house would be toxic and most likely explode. This means Charlotte had to change this.
I will get into more, but first, Charlotte promised me that I would have no out of pocket expenses. She promised me that I'd be back in my home, in a room while she did work, so I wouldn't have to be concerned about living expenses. She promised me that my house would be fully ADA accessible. None of that was ever true. I had to use every dollar in my sister's death benefit, a large portion of money for my contents (and Charlotte wanted this money, but I told her that I used it to stay safely housed in a hotel), a settlement from a car accident, borrow against my life insurance three times, and have multiple donations from various sources just in order to stay safely housed.
Things have only gotten worse from when this YouTube playlist was created: Contractor Fraud
What needs to happen with Charlotte and with Hiscox: I need to have money to have my house demolished and completely rebuilt. There are rodents in my ceiling and my walls that are eating my house. Nothing is repaired correctly. Money for added living expenses, so I can live in an extended stay while my house is being built. Charlotte needs to be in jail. She has broken a myriad of laws.
Louisiana Law supposedly supports this. Louisiana Law RS 14:202.1 has the following subsections, all of which Charlotte L'Juan Ford of Hope Field Construction out of Sulphur, LA has violated."
(2) Uses, or causes an agent or employee to use, any deception, false pretense, or false promise to cause any person to enter into a contract for home improvements or residential construction. (She showed me a paper upon our first meeting that was supposed to show that she is bonded in the state of Louisiana. She is not.)
(3) Damages the property of any person with the intent to induce that person to enter into a contract for home improvements or residential construction. (She deliberately caused more damage to my house in addition to not finishing the repairs, stole the money, and wants me to pay her more - and she would just come back and mess up my house more.)
(4) When the misappropriation or intentional taking amounts to a value of twenty-five thousand dollars or more, the offender shall be imprisoned at hard labor for not more than twenty years, or be fined not more than fifty thousand dollars, or both.(Charlotte L'Juan Ford BELONGS IN JAIL).
D.(1) In addition to the penalties provided in Subsection C of this Section, a person convicted of residential contractor fraud shall be ordered to make full restitution to the victim and any other person who has suffered a financial loss as a result of the offense. For the purposes of this Subsection, restitution to the victim shall include the cost of repairing work fraudulently performed by the contractor and the cost of completing work for which the contractor was paid but did not complete. (Charlotte L'Jaun Ford OWES ME over $100,000! She owes me the money to have my house demolished and a new one rebuilt plus the money to stay safely housed while this is being done).
- Why was Charlotte L'Jaun Ford of Hope Field Construction hired?
To repair my house after Hurricanes Laura and Delta.
- Why didn't I use a company through Liberty Mutual (I no longer can afford house insurance, so I no longer have this company)?
They had no in-network companies, so I had to do research.
- Did you get reviews about Charlotte?
Yes, and every single one praised how she good she is. I even followed up and after this, I let the people know about how awful she is, and they still said she was this shining, great person when she is not.
- When did Charlotte start work?
May 28, 2021, though Charlotte will lie and say it was in November 2021. I have the evidence.
- Why didn't you check on your house?
I did when I was able to check. I was literally stuck in Port Arthur without a car. When I got a car, I came in about once a week and there was a crew on my property each time I came into town. Then, I ended up with a broken collarbone, and thus was not able to drive.
- Why didn't you check on your house when back in town?
I had people help me get back into town because my collarbone was still broken. I could not drive to go see my house. Then I had an episode of broken heart syndrome and a cardiologist took advantage of me while I was in an Altered Mental State and implanted a leadless pacemaker (that type goes inside your heart) that was leaking electricity directly into my heart and putting extra electricity into my bloodstream, causing severe health problems and nerve damage. I got the pacemaker removed EIGHT MONTHS after it was first put into my heart. My nerves are STILL recovering from this.
- Did you try mediation?
Yes. Nobody took my side. What happened was that I was delivered threats from Charlotte and piddly little things like her claiming to have countertops for my kitchen (which wouldn't have made any difference since there's no subflooring).
- Why didn't you demand Charlotte give you a copy of your key?
I demanded she give me a copy of my key. She kept saying, "I forgot," every single time I asked for it or demanded it.
- Didn't Charlotte testify for you?
No. We never even went to court. From her own words concerting Joseph Muckleroy, "I talked to Joe A LOT." That is not testifying. In fact, Charlotte failed to show up for the deposition and she completely ignored a supoena to provide documents (reciepts, spreadsheets, pictures.)
This is a SERIOUS CASE of contractor fraud and people who are supposed to do anything about contractor fraud SHOULD CARE, but they don't. I tried going after Charlotte when it was clear she was not doing the proper work, but was still coming on my property to at least act if she were working and the Contractor Fraud division said she and any of her workers could not have been on my property in the past 45 days (which seems to be an incorrect reading of the law).
It became EXTREMELY apparent in October 2023 that she was not doing the work, so I started to try to go after her. However, the contractor fraud line said she (or any of her workers) couldn't have been on my property in the past 45 days. She obviously knew of this law because when people would take me to drive by my house, there would be at least one worker there. I tried to go after her once I was back in my property in April 2024 as she purposefully kept me out and I didn't have the key until February 13, 2024. I called the Lake Charles Police three times. They did not care about me and the situation at all. They looked around the house, agreed it is not finished, and called Charlotte.
I had a detective, Jason Raymond, from the Calcasieu Parish Sheriff's Office come out and get a report and files of all my documents along with me sending along all the other information I have to him. The contractor fraud line denied my case simply on them calling Charlotte and her saying that I owed her $40,000. They did not pay attention to any of my documentation or the fact that my house is not finished, and that I have no fences around my yards like I should.
I reported her to Louisiana State Licensing Board for Contractors. I saved up $150 for a consultation with John Fitzgerland of FHD Firm. I told him of my financial situation. I sent him every document that I have. He acted like he was going to take the case. I call back to his office. I'm told that all I have to do is come in to the office and sign a retainer for his services. I get a ride to his office. I go in to sign the retainer and I'm told that he will not take the case because it will cost me too much.
Where is the help that is supposed to exist? Why is nobody helping with this situation?
When I can, I'm looking for a work from home job, however, with my nerve damage, it can be difficult to concentrate on such things, and work from home jobs are few and far between. I'm also trying to get students for my online theatre classes, but nobody has truly been interested.
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