June 20, 2014

Northeast Association of Realtors FOR DOCUMENTATION, DISCLOSURE & LEGAL

6 Liberty Way, Suite 204 PURPOSES
Westford, MA 01886
RE: Ethics Complaint Daher Companies


VIA US MAIL

Dear Northeast Association of Realtors,

It has unfortunately become necessary to file an Ethics Complaint
1
against two (2) members of the
Northeast Association of Realtors:
1. Mary E. Koontz-Daher, Daher Companies (Principal).
2. Kenneth Daher, Daher Companies (Principal).

In late February 2014, and following the Wrongful Displacement of Mohan A. Harihar, Weichert
Realtors Daher Companies (located at 25 East Street, Methuen, MA 01844), elected to list the
foreclosed residential property located at 168 Parkview Avenue, Lowell, MA 01852. This property has
been in ongoing litigation pertaining to Wrongful Foreclosure for over three (3) years, and is currently
being heard in the MA Appeals Court, Docket No. 2013-P-1829. Associated misconduct is
considered both civil and criminal, and is fully supported against multiple parties including (but not
limited to): US Bank NA, Wells Fargo NA, Harmon Law Offices PC, Nelson Mullins LLP and the
Securitized Mortgage Trust CMLTI 2006-AR1.
On March 23, 2014, an email communication was sent to Mr. and Mrs. Daher, Principals of Weichert
Realtors Daher Companies, to notify all parties of the serious circumstances associated with this
matter, and the potential legal risk to ANY, and ALL parties, choosing to align themselves with the
associated misconduct. This Notice of Disclosure, Civil & Criminal Liability has apparently been
ignored.
2

On May 23, 2014, an email communication was sent to Daher Companies, with an update to ongoing
litigation, outlined in the 5/19/14 Media Alert, and a second NOTICE was issued to parties choosing to
align themselves with any associated misconduct.
3

On June 7, 2014, after receiving feedback from local Realtors of potential disclosure non-compliance,
an email communication was sent to Daher Companies, informing them that a formal complaint was
now being prepared against them, for concerns surrounding non-disclosure to multiple parties including
(but not limited to): other Real Estate Brokers, Real Estate Agents, potential buyers, etc Shortly

1
See Appendix, Completed Form E-1, as required, p. 5
2
See Appendix, March 23, 2014 Email Communication RE: Disclosure, Civil & Criminal Liability, p. 6 - 9
3
See Appendix, May 23, 2014 Email Communication and 5/19/14 Media Alert (Click on Link to access), p. 9
Mohan A. Harihar
168 Parkview Avenue
Lowell, MA 01852
617.921.2526 (Mobile)
Page 2 June 20, 2014
thereafter, I received an email communication response from Mary Koontz-Daher, a response
considered inappropriate, unprofessional, and falsely stated.
4

After receiving the email, I received a missed phone call on my mobile phone. A voicemail was left by a
woman identifying herself as Mary Koontz-Daher, in an erratic voice, stating that I should be a man
and identify myself and that I should return the call. I then returned the phone call, stated my name
and that I was returning a missed call from this number. The same erratic voice identified herself as
Mary Koontz-Daher, who claimed to not know who I was, claimed to not know why I was sending her
company the previously stated communications, and stated that she was sending the information to her
attorney, and notifying the Methuen Police Department.
Despite multiple interruptions, I notified Mrs. Daher that as explained in the email communication,
notice was formerly given regarding the related concerns, and a formal complaint was now being filed
against the appropriate parties. I additionally stated that I too, would be notifying the Methuen Police
Department, which I did, immediately after ending the phone conversation with Mrs. Daher.
As documented in this complaint and in supporting documents, I have consistently made clear my
name, associated address, email address and contact phone number. To be clear, until the June 7,
2014 email and phone call from Mrs. Daher, there had been no communications received by the
references parties. The references by Mrs. Daher on June 7
th
, 2014 stating that she does not know
who I am, or why legal notice has been sent to Daher Companies conflicts with supporting documents
on file.
This is a very serious matter. It appears that Weichert Realtors Daher Companies has
specifically chosen to ignore the email communications/Broker Disclosure Notice sent to them,
choosing instead to knowingly list and market a foreclosed property which is still in active and
ongoing litigation, and without notifying other Brokers, Real Estate Agents, potential buyers,
etc of the potential & considerable legal risk(s).
Feedback has come forth from both local area Real Estate Agents, Brokers, and attendees of a
recently held Open House, stating no mention of any Disclosures. Instead, emphasis was given
to an incentive Enter to Win $250,000 from WELLS FARGO.
I am certain, that the conduct exemplified by the referenced Broker(s) does not meet with the standards
of NARs Code of Ethics, and have highlighted several areas within the Preamble, as well as Articles 1,
2, 3, 11, 12 & 14.
5
I am calling for this association to further investigate this matter, including the already
concluded open houses from 6/1, 6/8, 6/14, independent showings, broker open houses, etcto
further determine how many misinformed parties may unnecessarily become subject to increased legal
risk.
Additionally, please be advised, and as stated in the 5/19/14 media Alert, pending the outcome of
litigation in MA Appeals Court, this matter is being prepared for transfer to Federal Court, and to
additionally be addressed with the MA and US Inspectors General. A copy of this complaint is being
filed with the MA Appeals Court to articulate the concerning tactics exemplified by the Appellees - Wells
Fargo NA, US Bank NA, and associated Broker. Complaints already filed with the MA Office of the
Attorney General, Fraud Investigations Unit of the FBI, Consumer Financial Protection Bureau (CFPB),
Federal Trade Commission (FTC), Securities and Exchange Commission (SEC), and the Better
Business Bureau (BBB) will also be updated with a copy of this complaint.

Thank you for your attention to this matter.

4
See Appendix, June 7, 2014 Email response by Mary Koontz-Daher, and attached original communication(s), p.9
5
See Appendix, Highlighted sections within NAR - Code Of Ethics and Standards of Practice, p. 10 - 14
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Respectfully Submitted,


Mohan A. Harihar










































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APPENDIX









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March 23, 2014
Weichert Realtors, Daher Companies FOR DOCUMENTATION AND
Attn: Kenneth Daher, Mary E. Koontz-Daher DISCLOSURE PURPOSES
235 East Street
Methuen, MA 01844
RE: Disclosure, Civil & Criminal Liability

VIA EMAIL COMMUNICATION

Mr. and Mrs. Daher,

It is my understanding that your company, Weichert Realtors Daher Companies, located in Methuen,
MA, has elected to list the foreclosed residential property located at 168 Parkview Avenue,
Lowell, MA 01852.
Please be advised of the following:
1. The referenced foreclosed residential property has been definitively associated with
misconduct by both the MA Office of the Attorney General and the National Mortgage
Settlement. Settlement payment received.
2. The referenced foreclosed residential property has been definitively associated with
misconduct by Federal Bank Regulators. Settlement payment received.
3. Civil and criminal misconduct is documented, and constitutes (at minimum): Fraud, Deceptive
Practices, Fraudulent Concealment, Fraudulent Misrepresentation, Aiding and Abetting
Fraud, and Perjury. Additional SEC and IRS infractions pertaining to the referenced
securitized mortgage trust are believed to exist, requiring further validation.
4. Criminal charges for documented misconduct are aggressively being pursued at both state
and federal levels against the following parties: US Bank NA, Wells Fargo NA, the
Securitized Mortgage Trust CMLTI 2006-AR1, Harmon Law Offices PC, and Nelson
Mullins LLP. Complaints are filed with the MA Office of the Attorney General and the Fraud
Investigations Unit of the FBI.
5. This matter directly coincides with the MA Attorney Generals 3+ ongoing investigation of
Harmon Law Offices PC*, for misconduct related to unlawful foreclosure and eviction
practices. Harmon has been definitively tied to disbarred FL Foreclosure Kingpin
David Stern.



Mohan A. Harihar
168 Parkview Avenue
Lowell, MA 01852
617.921.2526 (Mobile)
Page 8 June 20, 2014
6. Complaints are additionally filed with the following parties: The Consumer Financial Protection
Bureau (CFPB), The Securities and Exchange Commission (SEC), The Federal Trade
Commission (FTC), and the MA Board of Bar Overseers/Bar Counsel**.
7. Civil litigation regarding this matter and related misconduct is still proceeding in the MA
Appeals Court.
8. Referenced parties have refused to validate Chain of Title, have refused to validate
signatures on file related to the foreclosed property, and have refused to provide
requested Discovery which further supports deceptive practices, specifically the
recorded conversations between homeowner Mohan A. Harihar and the Mortgage
Servicer Wells Fargo NA, during the 22-month loan modification attempt.
9. Any Real Estate Broker or Real Estate Agent, having been made aware of the associated
documented misconduct, who chooses to align themselves with this referenced foreclosure for
the purpose of resale, will be considered as aiding and abetting fraud, and may be subject to
forthcoming litigation against them (Civil and Criminal).
10. Any party, having been made aware of the associated documented misconduct, who chooses
to align themselves with this referenced foreclosure for the purpose of purchase, may be
subject to forthcoming litigation against them (Civil and Criminal).
11. The recent eviction of Mohan A. Harihar from the referenced foreclosure property is being
considered an act of Wrongful Displacement, and is being addressed with the Court, as well
as state and federal prosecutors.
12. It is my understanding that by law, you will be required to disclose all information related to the
referenced foreclosure, including this communication.
13. Due to the serious nature of this matter, additional parties will be copied on this communication
including: Vice President Joe Biden, Deputy Assistant Director Tim Sheehan (CFPB), the
American Civil Liberties Union (ACLU), US Senator Elizabeth Warren (MA), US Senator
Ed Markey (MA), Attorney General Martha Coakley (MA), Congresswoman Nikki
Tsongas (MA), State Senator Eileen Donoghue (MA), the Massachusetts Association of
Realtors (MAR, via twitter), the National Association of Realtors (NAR, via Twitter), and
Nelson Mullins LLP - including the individual managing partners of the firm, since
documented misconduct extends beyond the Commonwealth of Massachusetts.
14. This communication is additionally being published for the purpose of exposing this
misconduct to the nation, as it is arguably considered the largest case of FRAUD in the history
of the United States, and in effort to assist the millions of wrongfully foreclosed homeowners
identified by the US Foreclosure Crisis, all fifty (50) Attorneys General, and Federal Bank
Regulators.

*Harmon Law Offices PC, originally retained by US Bank NA in the case against Mohan A. Harihar, has
been associated with the vast majority of 50,000 foreclosures throughout the Commonwealth of
Massachusetts, withdrew as counsel from this case, in the same timeframe as the MA Attorney
General was beginning their investigation against them.
**Complaints are on file with the MA Board of Bar Overseers against Attorney David E. Fialkow and
Managing Partner Peter Haley (both of Nelson Mullins Riley and Scarborough LLP) and also Harmon
Law Offices PC.
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Sincerely,

Mohan A. Harihar









WRONGFULLY FORECLOSED HOMEOWNER TO ADDRESS INSPECTORS' GENERAL, &
PETITION TRANSFER TO FEDERAL COURT http://www.scribd.com/doc/225049527
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