Legally, you cannot do this: while a tenant may withhold rent to cause a landlord to make repairs, you are not a tenant, the dues are not rent, and the HOA is not your landlord. If you withhold your dues, the HOA could take action against you: sue you, or put a lien on your home. Your option is to sue *them* if necessary to force them to make repairs and/or for compensation for any losses or costs you incurred.