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Yes, you absolutely have recourse here. It's the HOA that is the cause of you being charged this $1200 and so it's the HOA that needs to pay it. If they won't do so voluntarily, raise the stakes on them. Send them a certified, return receipt requested letter detailing the history and demand they pay this bill. Inform them if they don't not comply with your demand within a short specified period of time, you will have no choice but to file a suit for your damages. BUT, be sure to specifically mention that you will be filing this claim not only as breach of contract and negligence causes of action but also as a gross negligence, cause of action, which will entitle you not only to your damages, but also an additional amount equal to multiple times your actual damages as punitive damages. Also, inform them that if they file any negative credit report, you will be adding a cause of action for defamation. That should provide plenty of incentive to comply with your demands; but, if it does not, file your suit. Even if you have to file the suit, that's likely all you will need do. In my experience, they will resolve this to your satisfaction without a hearing rather than risk punitive damages and the time and expense of defending a suit they are sure to lose.
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