WEBVTT 1 00:00:00.840 --> 00:00:14.199 Yeah, ripped up needed that, so you don't have come running. Just 2 00:00:14.279 --> 00:00:21.079 as fast as we can. Shooter's gonna help come. Man, this is 3 00:00:21.120 --> 00:00:27.320 the Troubleshooter Show. No Tom martinoo. Hello, Hello, I'm Tom Martino. 4 00:00:27.399 --> 00:00:30.800 Welcome to the show. You might be you're streaming. You can see 5 00:00:30.800 --> 00:00:35.719 Brad O'Brien here from O'Brien Legal Services. We're here helping you to solve problems, 6 00:00:35.759 --> 00:00:40.000 answer questions, say complains. Bradley O'Brien is in real estate law. 7 00:00:40.039 --> 00:00:44.159 I love talking about that as well. Real estate is a it's a really 8 00:00:44.200 --> 00:00:49.640 good thing to do when it comes to of course, uh, not just 9 00:00:50.640 --> 00:00:55.719 living in it, but investing in it. And then uh, Steve the 10 00:00:55.759 --> 00:00:58.719 painters here doing my front door, and Brad just brought up something. He 11 00:00:58.759 --> 00:01:03.280 says, Tom, are you noticing these fumes? I'm getting a little high 12 00:01:03.320 --> 00:01:06.200 here. No, I got to turn on my hull house fans. See. 13 00:01:06.200 --> 00:01:08.239 I got I got everything I got Steve the painter, I got a 14 00:01:08.719 --> 00:01:12.959 QC hull house fan. I can I can plug everything in the world by 15 00:01:14.000 --> 00:01:19.840 talking Brad O'Brien as a client. No, seriously, I hope you call 16 00:01:19.959 --> 00:01:25.560 us about any problems you have, questions and complaints and is my compadre is 17 00:01:25.680 --> 00:01:30.280 uh Mark on three O three seven one three talk seven one three A two 18 00:01:30.280 --> 00:01:34.640 five five Channon? Did Mark sign on today? Is he he had the 19 00:01:34.680 --> 00:01:38.159 helm of the last few days. Cassandra wants to talk about an issue with 20 00:01:38.239 --> 00:01:44.359 a dentist. By the way, this hour brought to you by your people 21 00:01:44.519 --> 00:01:49.879 at waterpros dot net for the best water systems ever at the lowest prices, 22 00:01:49.959 --> 00:01:55.480 Paul the waterman waterpros dot net. I can't say enough about it. Right 23 00:01:55.480 --> 00:01:59.719 now, they're finding all kinds of crap in water, including the chemical that 24 00:02:00.560 --> 00:02:04.560 Parkins's disease. Every day it seems like they discover more in water that's fresh 25 00:02:04.599 --> 00:02:07.479 water as well, people because of the runoffs. Three h three eight six 26 00:02:07.599 --> 00:02:13.919 two five five five four is Paul at towaterpros dot net. So anyway, 27 00:02:14.120 --> 00:02:20.280 welcome and let's talk. Let's go to Cassandra. Now, Cassandra, what's 28 00:02:20.280 --> 00:02:24.879 happening with your dentist? Cassandra, Well, back in December twenty twenty one, 29 00:02:25.280 --> 00:02:29.800 I went into the dentist because I was going to have hip replacement surgery. 30 00:02:29.879 --> 00:02:32.039 So wait, wait, wait, you went to a dentist because you 31 00:02:32.080 --> 00:02:36.599 were having hits listen, I had to have the teeth fixed before I get 32 00:02:36.680 --> 00:02:39.719 my hip replacement. Okay, anyway, okay, So anyway, I started 33 00:02:39.719 --> 00:02:45.280 this process and twined December twenty twenty one. I still don't have. We 34 00:02:45.439 --> 00:02:51.599 opted to go with the upper implant and put a snap indenture. Yeah, 35 00:02:51.639 --> 00:02:54.960 and that was ten thousand dollars up front. He was paid in full up 36 00:02:55.039 --> 00:02:59.199 front. Why would you have to pay up front? I don't know, 37 00:02:59.319 --> 00:03:02.000 but that one requirement. Now, what about your lowers? I'm just curious 38 00:03:02.000 --> 00:03:07.199 about that. I still have more than half of them? Okay, what 39 00:03:07.280 --> 00:03:09.599 happened? Tell me what went wrong? Well? What went wrong was that 40 00:03:09.960 --> 00:03:15.639 on May tenth, because I went in for impressions beginning of February of this 41 00:03:15.759 --> 00:03:19.039 year, which we hoped would be the final. This is taking forever, 42 00:03:19.520 --> 00:03:23.800 and well, yeah, why is it taking so long? Well because the 43 00:03:23.919 --> 00:03:28.800 lab he was sending him to down in Florida are absolutely ridiculous. I mean 44 00:03:28.840 --> 00:03:31.960 there was minor two. So you finally got impressions a few months ago. 45 00:03:32.680 --> 00:03:38.039 Well, that's like the fifth set of impressions. Because I don't know what 46 00:03:38.159 --> 00:03:42.599 the problem is here. But he up and closed his office on me. 47 00:03:43.680 --> 00:03:46.199 I went, I was trying to you By the way, let me ask 48 00:03:46.240 --> 00:03:50.120 you this, do you have the implants though, you do have the implants? 49 00:03:50.520 --> 00:03:52.919 Yeah, those are in Yeah, they're in my job. Yes. 50 00:03:52.960 --> 00:03:57.439 Now he did those right, Well, he personally didn't, but the dentist 51 00:03:57.479 --> 00:04:00.879 that was working for him, doctor Pivots did. That's what I'm so for 52 00:04:00.960 --> 00:04:03.520 the money that you paid, how much did you pay up front? Ten 53 00:04:03.599 --> 00:04:09.000 grand? Pay? Okay, and you got four implants so far? What 54 00:04:09.120 --> 00:04:13.319 else did you get? Well, you got five implants, Yes, I 55 00:04:13.360 --> 00:04:16.800 do, because I'm a little older and osteopenia or whatever it is that makes 56 00:04:16.839 --> 00:04:20.000 your bone loss kind of yeah, so you had to put five of them 57 00:04:20.279 --> 00:04:26.800 in. Anyways, what was so hold on? What I'm trying to get 58 00:04:26.839 --> 00:04:29.000 at is this let me let me just cut to the chase, because I 59 00:04:29.000 --> 00:04:31.000 think you know what I'm trying to get at. No matter what, if 60 00:04:31.040 --> 00:04:34.240 the guy goes out of business, he sucks, he's out gone. As 61 00:04:34.319 --> 00:04:40.000 long as you got something for that ten grand and you got if you got 62 00:04:40.040 --> 00:04:44.439 five implants for the ten grand, you're not behind the eight ball. Well 63 00:04:44.600 --> 00:04:47.279 that's not true because I've only got part of the implant. What's actually in 64 00:04:47.360 --> 00:04:50.480 the job. There's another piece that goes on and then there's a third piece 65 00:04:50.519 --> 00:04:55.759 that goes on that actually snaps to the denture. Okay, wait a minute, 66 00:04:55.800 --> 00:04:59.759 So the implants that you have, the five that you have are s 67 00:05:00.079 --> 00:05:04.360 bleed the implant into the bone and it doesn't have the adapter for the Dentis 68 00:05:04.399 --> 00:05:09.279 there to two more pieces that have to be at it? No? I 69 00:05:09.399 --> 00:05:14.639 get it. They're adapters. They for the restoration. You have the implants, 70 00:05:14.839 --> 00:05:18.120 the adapters and the restoration, and usually you don't put on the adapters 71 00:05:18.199 --> 00:05:23.519 until you have the restoration, so they match. Well, No I have. 72 00:05:23.720 --> 00:05:26.480 Okay, so I've got five pieces that are in my jaw, and 73 00:05:26.519 --> 00:05:30.079 I have three pieces that are attached to three of the five. The OKQ 74 00:05:30.319 --> 00:05:33.480 fell out because it was okay, so long. But here's what I'm asking, 75 00:05:33.680 --> 00:05:40.720 and this is going to be crucial. Yea, did you get ten 76 00:05:40.800 --> 00:05:44.839 thousand dollars worth of work? Now? Whether or not you like what they 77 00:05:44.839 --> 00:05:47.199 did, if it was proper, did you in other words, if you 78 00:05:47.279 --> 00:05:55.199 went to another dentist for exactly what you have? Five implants and three partial 79 00:05:55.560 --> 00:06:00.360 three adapter three parts? Still you know, just whatever is it worth ten 80 00:06:00.439 --> 00:06:04.360 grand? Have you had another dentist tell you? I have not? But 81 00:06:04.439 --> 00:06:11.199 we're only talking about those. There's seventeen hundred dollars a piece for the little 82 00:06:11.759 --> 00:06:16.519 titanium, the final piece, there's seventeen hundred each. And I have documentation 83 00:06:17.079 --> 00:06:20.839 to show all that. So you are you talking about the posts the Titanic. 84 00:06:20.839 --> 00:06:24.480 That's what he's talking about. That's what she's talking about. She got 85 00:06:24.519 --> 00:06:29.439 five posts. Those posts, Bob doc are like two grand No, right, 86 00:06:29.480 --> 00:06:30.920 I'm just trying to get a picture of my head a little. I'm 87 00:06:30.920 --> 00:06:34.920 sorry, only the little, tiny, tiny piece that goes Okay, so 88 00:06:34.959 --> 00:06:38.439 you've got one piece that goes in the jaw, and then you have another 89 00:06:38.480 --> 00:06:42.360 piece of Cassandra, listen here, here's what I'm getting at. Okay, 90 00:06:42.519 --> 00:06:46.600 Yeah, really, And I know why you're calling because you know the guy's 91 00:06:46.639 --> 00:06:50.040 out of business. But if he's out of business, here's the question did 92 00:06:50.079 --> 00:06:57.040 this guy? Did this guy do a malpractice or was he just a bad 93 00:06:57.079 --> 00:07:00.920 business person? There's a big difference and dan and cheap what's that? Well? 94 00:07:01.000 --> 00:07:03.959 Yeah, but I mean he you know, he said on his door, 95 00:07:03.959 --> 00:07:06.560 when I tell me what you want, you can't tell me what you'd 96 00:07:06.639 --> 00:07:10.279 like to be able to find the guy? I mean, I said, 97 00:07:10.399 --> 00:07:15.360 why why? Well, because I think he needs to rectify this. Okay, 98 00:07:15.639 --> 00:07:21.079 do you really want this clown? Do you really want this clown to 99 00:07:21.160 --> 00:07:25.839 continue working with you? No? But I don't. I mean I'd like 100 00:07:25.879 --> 00:07:29.560 to be able to get do something, to be able to he's only done 101 00:07:29.600 --> 00:07:32.759 about twenty five hundred dollars worth of work. No, you're wrong. If 102 00:07:32.800 --> 00:07:36.600 you don't have five posts, you're wrong. I'm sorry we're disagreeing in this 103 00:07:36.639 --> 00:07:42.800 one. Well we are because I have an on documentation that it was X 104 00:07:42.839 --> 00:07:46.199 amount to pull the teeth, x amount to put the Wait a minute, 105 00:07:46.279 --> 00:07:49.720 wait a minute, he pulled, he pulled your teeth, plus put in 106 00:07:49.879 --> 00:07:55.160 five posts. And you don't think that's ten grand? But there's no, 107 00:07:55.240 --> 00:07:58.319 it's not in the doctor. How much do you think it is, Cassandra. 108 00:07:58.480 --> 00:08:01.639 How much work do you think was done? How much? About about 109 00:08:01.680 --> 00:08:03.680 three grand? Okay, well, then here's what you do, Cassandra. 110 00:08:03.959 --> 00:08:09.000 Call the dental board and make a complaint and then take the guy to small 111 00:08:09.000 --> 00:08:11.600 claims court. We can help you find him, but you're gonna lose, 112 00:08:11.680 --> 00:08:15.319 Cassandra. I can't. No, really, there's nothing I can do for 113 00:08:15.360 --> 00:08:18.560 you. Okay, there's no way for three grand. You can't even get 114 00:08:18.759 --> 00:08:24.680 okay, you can't get never mind, Doc, do you understand what I'm 115 00:08:24.680 --> 00:08:26.920 trying to get at? I don't, Cassandra, You're not gonna go anywhere. 116 00:08:28.079 --> 00:08:30.879 Even if you find the guy. The guy went out of business. 117 00:08:30.959 --> 00:08:33.960 Okay, it's not malpractice. You have five posts, He pulled all of 118 00:08:35.000 --> 00:08:39.279 your teeth. You don't have infection, you don't have anything. You're ready 119 00:08:39.320 --> 00:08:43.799 to go from here forward. I am telling you that the ten grand is 120 00:08:43.879 --> 00:08:48.879 not a complete ripoff. Maybe, okay, maybe I'm overestimating. Maybe you 121 00:08:48.960 --> 00:08:52.519 may be behind the eight ball by two grand. Maybe, Doc, what 122 00:08:52.519 --> 00:08:54.799 do you think you've seen enough? You have enough friends were dentists. Do 123 00:08:54.879 --> 00:09:00.559 you really believe that they can pull all her teeth and put in five posts 124 00:09:00.559 --> 00:09:05.120 if they did nothing else, just five posts and pull all those teeth that 125 00:09:05.159 --> 00:09:07.480 she wouldn't eat up? Most of that tends it's at least ten grand? 126 00:09:07.879 --> 00:09:11.840 Well, okay, and even if it's eight okay, what do you want? 127 00:09:11.960 --> 00:09:13.759 Do you want a two thousand dollars refund? You want a seven thousand 128 00:09:13.799 --> 00:09:18.000 dollars refund? Go to small claim's court and lose, because Cassandra, listen, 129 00:09:18.320 --> 00:09:22.480 I'm all about fighting for consumers. And what that dentist did sucked? 130 00:09:22.600 --> 00:09:28.000 Okay, I agree with you one hundred percent, but you gotta move on. 131 00:09:28.600 --> 00:09:31.320 You just gotta You're not going to get a refund. And I'm not 132 00:09:31.360 --> 00:09:35.279 saying this because I don't want to help you. I do have the sixty 133 00:09:35.320 --> 00:09:41.000 four hundred that I just found, the figure for the the extraction and then 134 00:09:41.120 --> 00:09:46.960 the putting in the what does it say right here? It's a surgical placement 135 00:09:46.000 --> 00:09:52.799 of implant body and then the extractions. All of that came to'm sixty four 136 00:09:52.919 --> 00:09:58.000 hundred. Okay. If that's what he charged, If that's just six okay, 137 00:09:58.080 --> 00:10:01.200 if you had that and he owes you, okay. So if you 138 00:10:01.279 --> 00:10:05.159 have that by contract, then he would owe you I he okay, Then 139 00:10:05.279 --> 00:10:09.919 you should use that contract to take him the small claims court because, unlike 140 00:10:09.960 --> 00:10:13.039 a regular corporation, if he abandons your care, I think you could win. 141 00:10:13.399 --> 00:10:16.879 You need to help find him, right, You need help finding this 142 00:10:16.919 --> 00:10:22.000 guy. Okay. Hold on, give all the information you have to Kashina 143 00:10:22.279 --> 00:10:26.159 and I'll get sues, maybe sues. You can get one of our investigators 144 00:10:26.480 --> 00:10:28.240 to find this guy. Okay. So let's see if we can help you 145 00:10:28.279 --> 00:10:33.720 there. Three oh three seven one three talk three oh three seven to one 146 00:10:33.799 --> 00:10:37.919 three eight two five five. You know I don't blame I do not blame 147 00:10:37.960 --> 00:10:41.960 her for being upset. I would be two. I guess right. Okay, 148 00:10:41.039 --> 00:10:45.519 so you can't You can't say much about that. By the way, 149 00:10:46.240 --> 00:10:48.320 Frank durand the real estate Man will do an evaluation of your home for the 150 00:10:48.399 --> 00:10:54.519 asking. Frank Duran, the real Estateman dot com. You ask him and 151 00:10:54.559 --> 00:10:58.519 he'll give you a complete analysis of what your property will sell for without any 152 00:10:58.639 --> 00:11:09.600 kind of obligation. Three oh three nine two zero sixteen twenty two. Go 153 00:11:09.759 --> 00:11:13.960 with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay 154 00:11:13.000 --> 00:11:20.759 a cent until you're content than time for an insurance check up free, no 155 00:11:20.879 --> 00:11:24.799 obligation. In comparison, call Compass Insurance paying too much your coverage at dozens 156 00:11:24.799 --> 00:11:28.480 of insurance companies find out now three oh three seven seven to one. Help. 157 00:11:28.639 --> 00:11:33.159 You'll think you're his only customer when you choose Frank durand the real estate 158 00:11:33.279 --> 00:11:37.679 Man dot com to list your home with Remax Alliance three oh three nine two 159 00:11:37.759 --> 00:11:43.279 zero sixteen twenty two. Hey, I'm Tom Martino, your troubleshooter three oh 160 00:11:43.360 --> 00:11:46.519 three seven one three talk seven one three, eight two five five. Now 161 00:11:46.519 --> 00:11:52.679 we're going to talk to Joe. He has an issue. Oh wait, 162 00:11:52.840 --> 00:11:56.240 are you there, Joe? Did we disconnect? No? I'm here, 163 00:11:56.559 --> 00:12:01.559 Joe. Hi, Hi, what's going on? Man? Well? I 164 00:12:01.600 --> 00:12:07.600 had sent pictures and let you know about the problem I had with the window 165 00:12:07.639 --> 00:12:11.919 installation job. Been in my house for over twenty years, and then I 166 00:12:11.960 --> 00:12:16.519 had these Marvinn Infinity windows put in. Now, they're supposed to be really 167 00:12:16.519 --> 00:12:20.960 good windows, right, Yeah, that's what I thought. They were fiberglass 168 00:12:22.039 --> 00:12:24.799 and that's why I chose them. Yeah. Now, hold on, when 169 00:12:24.799 --> 00:12:28.480 did you have this done a little over two years ago? And who did 170 00:12:28.559 --> 00:12:37.000 it? It was Next Gen Windows and Fort Collins. Okay, so next 171 00:12:37.039 --> 00:12:45.519 Gen was a dealer, right yeah, distributor dealer there. And okay, 172 00:12:45.679 --> 00:12:50.759 are you having a problem with the window or the installation? I believe it 173 00:12:50.840 --> 00:12:58.720 is more installation than it is windows. Okay, because there is no doubt 174 00:12:58.799 --> 00:13:03.519 that Marvin would stand behind the product itself, right, that's I would hope. 175 00:13:03.559 --> 00:13:07.279 So no, I'm thinking they will. They have a good name. 176 00:13:09.279 --> 00:13:13.600 Joe. What where is next Gen? And well, first tell me what 177 00:13:13.639 --> 00:13:18.799 your problem is. What's the problem that started in less than a week after 178 00:13:18.919 --> 00:13:24.639 installation, and what I have is an extreme air leakage coming around or through 179 00:13:24.679 --> 00:13:30.840 the windows and going to the outside. So hold on in the way. 180 00:13:30.879 --> 00:13:35.000 So this air leakage is your main problem, right, oh yeah, yeah, 181 00:13:35.120 --> 00:13:41.919 okay, And are you getting any moisture coming in? Not coming in? 182 00:13:41.279 --> 00:13:45.039 But when they heat, when it's in the winter time and it gets 183 00:13:45.080 --> 00:13:48.879 really cold, it blows through and around the windows. It goes right through 184 00:13:48.879 --> 00:13:52.639 the brick mold. Even I get it, and then it starts, Then 185 00:13:52.679 --> 00:13:58.000 it starts forming moisture and condensation. Well okay, I gotcha. Now that 186 00:13:58.200 --> 00:14:03.480 is definitely faulty, definitely faulty installation. So my obvious question is this, 187 00:14:05.600 --> 00:14:09.440 did you call next gin? Oh? Man? Yeah, It's like talking 188 00:14:09.799 --> 00:14:16.120 to a garbage can. So these people have not had the courtesy after selling 189 00:14:16.120 --> 00:14:20.240 you a house full of windows to come out and check it. Well, 190 00:14:20.799 --> 00:14:26.600 even before they come out, they make excuses that humidity, the sightings rotten 191 00:14:26.679 --> 00:14:31.600 and falling off. They didn't build my house, right, I could just 192 00:14:31.639 --> 00:14:33.639 go on and on. Well, okay, listen, all of that. 193 00:14:35.039 --> 00:14:39.519 All of that could be true. But if what I'm saying is this, 194 00:14:39.080 --> 00:14:43.600 if they put in a window, the other ones weren't doing this, then 195 00:14:43.639 --> 00:14:46.240 the new one shouldn't do this. They should be able to calk or seal 196 00:14:46.399 --> 00:14:52.480 around them. Oh, I agree, one hundred percent. But when I 197 00:14:52.519 --> 00:14:56.360 did a complete tear out, I had efficient wood windows, a full jam 198 00:14:56.360 --> 00:15:01.240 window in the house for over twenty years. Can okay, hold on a 199 00:15:01.240 --> 00:15:03.919 second, Just hold on, Joe. I want to get an expert on. 200 00:15:05.519 --> 00:15:11.919 Hey, I want uh Kaschina. Can you get uh Markman's Mark Shamanski 201 00:15:11.080 --> 00:15:16.720 back on? And I want to ask him a few questions about Okay, 202 00:15:16.879 --> 00:15:20.600 hold on, Joe three all three, Oh yeah, just hang on marrow 203 00:15:20.840 --> 00:15:22.600 three all three seven one three talk seven one three eight two five five. 204 00:15:22.600 --> 00:15:28.919 Brad O'Brien, Brad, I'm wondering ownership. People are asking about ownership. 205 00:15:30.559 --> 00:15:33.919 There's a new not new kind. There's a kind of ownership that I truly 206 00:15:33.039 --> 00:15:37.559 did not come across before. But I it sounds a lot like a joint 207 00:15:37.600 --> 00:15:43.440 tenancy with right of survivorship. Okay, right, that's that's it. That's 208 00:15:43.840 --> 00:15:48.639 but what is joint tendancy in its entirety is that a separate form of ownership. 209 00:15:48.960 --> 00:15:52.240 This is something someone asks about. Hold on, there, there you 210 00:15:52.279 --> 00:15:56.480 go, bro So tendency by the entirety is something that other states have, 211 00:15:56.679 --> 00:15:58.639 just a few states, but not Colorado. Okay, Illinois has it, 212 00:15:58.679 --> 00:16:03.039 and it's particularly it has. It's like genant, it's like joint tenancy with 213 00:16:03.159 --> 00:16:08.159 right of survivorship, and it's only for married coup couples and it has but 214 00:16:08.240 --> 00:16:14.919 it's for creditor protection. So basically what it is is that the debt of 215 00:16:15.000 --> 00:16:19.600 one spouse can't be pursued against the other co owner's spouse. Okay, but 216 00:16:19.679 --> 00:16:25.279 what if they have joint tenancy with the right of survivorship, can you go 217 00:16:25.360 --> 00:16:30.039 after the one spouse? Yes, in that case you could go the creditor 218 00:16:30.080 --> 00:16:34.000 could go after the ownership of the entire property. Really based on just one 219 00:16:36.000 --> 00:16:40.039 right, okay, all right, So we don't have that here in color 220 00:16:40.120 --> 00:16:42.639 No, I get it. Are they doing away with it or just some 221 00:16:42.759 --> 00:16:47.799 states have it, some don't, right, Okay. So joint tenancy with 222 00:16:47.879 --> 00:16:53.759 the right of survivorship is one form of ownership for partners or married people or 223 00:16:53.799 --> 00:17:00.960 people that want to own the whole and it gets passed on. Now, 224 00:17:00.000 --> 00:17:04.960 what happens then if there's a lean on that property from a creditor and the 225 00:17:06.000 --> 00:17:11.640 person who owes the lean dies, does that other remaining owner who takes full 226 00:17:11.759 --> 00:17:15.519 ownership still have to pay off that debt? Yes, the lean remains. 227 00:17:17.200 --> 00:17:19.359 The lean of the person who died remains on the properties. Can they die? 228 00:17:19.599 --> 00:17:26.119 So I never knew this. I thought that when you had joint ownership 229 00:17:26.200 --> 00:17:30.359 or joint tenancy with right of survivor, you protected yourself from creditors. So 230 00:17:30.799 --> 00:17:37.400 if let's say a spouse goes bankrupt, can you actually lose the home with 231 00:17:37.559 --> 00:17:42.920 joint tenancy and right of survivorship? Yes, but we have something in Colorado 232 00:17:44.000 --> 00:17:48.759 called the homestead exemption. Okay, and that alone is something that that deserved. 233 00:17:48.759 --> 00:17:52.880 But okay, So absent of that, you could lose it technically, 234 00:17:52.960 --> 00:17:56.920 yes, okay, So then a homestead exemption. I hear about this all 235 00:17:57.000 --> 00:18:03.039 the time, and can I attempt to make a very simple explanation. Is 236 00:18:03.079 --> 00:18:11.880 a homestead exemption basically the part of equity protected in all cases? Yes? 237 00:18:11.920 --> 00:18:15.759 It is? Okay? Is that basically a simple explanation. It's a homestead 238 00:18:15.759 --> 00:18:19.079 exemption exactly what it sounds like. There's a certain part of your equity no 239 00:18:19.079 --> 00:18:22.640 one can touch, right like, for example, by the way it used 240 00:18:22.640 --> 00:18:29.119 to be in Texas that no equity could be touched none. In other words, 241 00:18:29.400 --> 00:18:33.319 if it was home equity on a primary residence. I don't know if 242 00:18:33.319 --> 00:18:36.759 it's still like that in Texas. But do you know why I knew about 243 00:18:36.799 --> 00:18:41.119 this in Texas because now my show was on KTRH in Texas for a long 244 00:18:41.160 --> 00:18:47.839 time along with other cities, and there was a big scandal called Enron, 245 00:18:48.359 --> 00:18:57.079 and a lot of these people with Enron transferred their equity into homes. They 246 00:18:57.119 --> 00:19:03.119 would take their ill gotten gain and buy a home, and the equity was 247 00:19:03.240 --> 00:19:11.599 untouchable. So some of these scoundrels had big giant mansions where they protected millions 248 00:19:11.640 --> 00:19:15.839 of dollars in equity. Did they change the law sits then? I wonder. 249 00:19:15.559 --> 00:19:19.119 I'm just generally aware that the Texas and Florida have a homestead exemption that 250 00:19:19.160 --> 00:19:22.559 covers the whole entire house right for your primary residence, and so you can 251 00:19:22.640 --> 00:19:26.319 have a two million dollar house, the whole thing's protected. Just my general 252 00:19:26.359 --> 00:19:29.400 knowledge and know, and that's what I think happened with Enron these people. 253 00:19:29.519 --> 00:19:33.039 But I thought there were cries to change it. I'm not sure. It 254 00:19:33.039 --> 00:19:38.640 doesn't matter. Let's talk about Colorado. What is the homestead exemption in Colorado? 255 00:19:38.839 --> 00:19:42.359 Right now, it's two hundred and fifty thousand dollars of equity is protected 256 00:19:42.400 --> 00:19:48.200 from for a couple or for one or for just a house either or okay, 257 00:19:48.279 --> 00:19:52.200 just the house itself. There's one exemption that an individual could have that's 258 00:19:52.200 --> 00:19:56.319 the same amount if it's a couple. Now if the if the homeowner is 259 00:19:56.359 --> 00:20:00.720 disabled or sixty years or older, is not too two and fifty thousand, 260 00:20:00.759 --> 00:20:07.160 It is three hundred and fifty thousand. Wow. So nowadays someone could do 261 00:20:07.200 --> 00:20:12.160 a bankruptcy and keep a home with three hundred fifty thousand dollars of equity. 262 00:20:12.319 --> 00:20:17.640 Yeah, except if the they they give a mortgage and they gave a homestead 263 00:20:17.720 --> 00:20:21.000 waiver. Wait can you wave it? Oh? Yeah, absolutely, now 264 00:20:21.039 --> 00:20:22.880 you can wave it. When you wave it, do you wave it just 265 00:20:23.160 --> 00:20:29.519 for that mortgage or when they foreclose, or do you wave it for everyone 266 00:20:30.480 --> 00:20:33.599 just for the mortgage? Okay? And most mortgages have a homestead waiver in 267 00:20:33.640 --> 00:20:37.559 there, so they can sue you for the deficiency. In other words, 268 00:20:37.640 --> 00:20:41.759 right, but another creditor can't say, Hmmm, that guy's got a lot 269 00:20:41.759 --> 00:20:45.519 of equity. I'm putting a lien on the house. I'm foreclosing because they 270 00:20:45.519 --> 00:20:48.599 won't get anything. Yeah, unless there's more than three hundred fifty thousand of 271 00:20:48.599 --> 00:20:51.759 equity or two. When did that go up so high? But you know, 272 00:20:51.880 --> 00:20:53.279 ten years ago or so, it used to be like seventy five thousand. 273 00:20:53.599 --> 00:20:57.319 Yeah, but the legislature really bumped it up significantly a couple of years 274 00:20:57.359 --> 00:21:03.279 ago. So they're pretty much saying that it's sacred. Equity is pretty sacred. 275 00:21:03.519 --> 00:21:06.839 Yeah, all right, that's really I did not know it was that 276 00:21:06.960 --> 00:21:11.000 high. I'm going to talk to Marks Shumansky coming up with Genesis tootalexteriors dot 277 00:21:11.000 --> 00:21:15.079 com, because really he does a lot of windows and I really want to 278 00:21:15.119 --> 00:21:18.599 know what the heck is going on there. Three oh three seven to one 279 00:21:18.720 --> 00:21:22.720 three talk seven one three eight two five five. By the way, Dan 280 00:21:22.799 --> 00:21:27.759 McKenzie is an estate planning attorney that I hope you avail yourselves of. We're 281 00:21:27.799 --> 00:21:32.960 talking real estate today. State law is another very important part of law, 282 00:21:33.359 --> 00:21:38.039 and Dan does it in a very logical way, very very personalized attention. 283 00:21:38.119 --> 00:21:41.799 He'll meet with you personally. Eight three three co plans eight three three co 284 00:21:42.119 --> 00:21:52.599 plans Go with a sure thing Denver's best roofer Excel roofing dot com. You 285 00:21:52.640 --> 00:22:00.799 don't pay a cent until you're content. Time for an insurance cup free no 286 00:22:00.920 --> 00:22:04.799 obligation. In comparison, call Compass Insurance paying too much your coverage at dozens 287 00:22:04.839 --> 00:22:08.160 of insurance companies find out now three all three seven to seven to one. 288 00:22:08.240 --> 00:22:11.920 Help. You'll think you're his only customer when you choose Frank durand the real 289 00:22:12.000 --> 00:22:17.599 estate man dot com to list your home with Remax Alliance three oh three nine 290 00:22:17.599 --> 00:22:26.519 two zero sixteen twenty two. Hi Tom Martino here, Welcome to this show. 291 00:22:26.519 --> 00:22:30.799 Three oh three seven one three talks seven one three eight two five five. 292 00:22:30.799 --> 00:22:33.599 I'm gonna talk to Marks Shamansky now from Genesis Total Exteriors about this case. 293 00:22:34.200 --> 00:22:37.079 He's not he doesn't have any part of this case. I'm just asking 294 00:22:37.119 --> 00:22:44.079 him as an expert. So Mark, Joe had some windows put in Marvin 295 00:22:44.119 --> 00:22:48.079 Infinity windows. Pretty good window fiberglass. He had him done about two years 296 00:22:48.079 --> 00:22:49.640 ago. Hey Joe, you have it. You mentioned you have a brick 297 00:22:49.680 --> 00:22:55.519 house. No, it's it's lap sighting. Oh I'm sorry. Okay. 298 00:22:55.799 --> 00:23:00.400 Now you say almost a week or less than a week, you notice air 299 00:23:00.559 --> 00:23:03.279 leakage around. In fact, you get so bad in the winter. The 300 00:23:03.319 --> 00:23:06.400 cold air comes in around the windows. Are you going to say it freezes 301 00:23:06.519 --> 00:23:10.960 or something. Yeah, it does on the patio doors, but they didn't 302 00:23:11.000 --> 00:23:12.759 seal them. Right, I had water coming in. I had two six 303 00:23:12.799 --> 00:23:18.640 foot patio doors put in and it rained a couple of times right after they 304 00:23:18.680 --> 00:23:21.799 put them in. They said they sealed them, but they didn't. And 305 00:23:21.839 --> 00:23:26.680 I did Next Sheen did Next Sheen? Who did the installation? Did Next 306 00:23:26.759 --> 00:23:32.960 Gen ever come out and inspect your windows? Well, they always come out, 307 00:23:33.039 --> 00:23:37.400 but they would never do anything. They said, it's installed to their 308 00:23:37.480 --> 00:23:41.559 standards. And they said that your house is not built correctly. Is that 309 00:23:41.640 --> 00:23:47.240 right? Yes? And I've got the original blueprints. It's got all the 310 00:23:47.359 --> 00:23:51.240 stamps and a p. Did you have it built, Joe? No, 311 00:23:51.400 --> 00:23:56.039 it was somebody else. I bought it used now, Joe. The wood 312 00:23:56.079 --> 00:24:02.359 windows that were in there before never had air infiltration. I never had any 313 00:24:02.480 --> 00:24:07.240 air infiltration. So I have a simple question. I have a simple, 314 00:24:07.440 --> 00:24:14.440 simple question for Mark Schamansky, one of our window experts Genesis Tootalexteriors dot Com. 315 00:24:14.440 --> 00:24:18.920 Mark, if they didn't leak before, they shouldn't leak now now we're 316 00:24:18.920 --> 00:24:22.039 talking air leak at you wouldn't you agree? Mark? Oh? One hundred 317 00:24:22.039 --> 00:24:26.519 percent agreed, and I think it's all they install. I'm ninety percent sure. 318 00:24:26.880 --> 00:24:30.000 You know, windows come with a fin on the edge of them, 319 00:24:30.039 --> 00:24:34.799 on all sides. And I'm guaranteeing you what they did with the old windows, 320 00:24:34.920 --> 00:24:38.240 they took a saws all and just cut out the old windows and never 321 00:24:38.279 --> 00:24:44.599 cut back the siding and install the windows correctly. Well. And again it's 322 00:24:44.680 --> 00:24:47.720 not that it's incorrect, it's just something I don't do. I don't install 323 00:24:47.759 --> 00:24:49.880 my windows that way. But if you do, let's say you do cut 324 00:24:49.920 --> 00:24:55.119 off the fins on the new windows even and you just insert them, or 325 00:24:55.160 --> 00:25:00.160 you get the windows with don't they come without fins for brick and stuff. 326 00:25:00.240 --> 00:25:03.720 You can order them without fins for yes of brickens. Do you think they 327 00:25:03.759 --> 00:25:07.880 did that and and and put them in and then just it just needs to 328 00:25:07.920 --> 00:25:14.279 be sealed around them. Yeah, I mean the best product is an OSI 329 00:25:14.519 --> 00:25:18.400 foam that you know, injectable foam that you spraying around the windows is what 330 00:25:18.480 --> 00:25:22.680 you want to do. So I don't think this isn't I don't think. 331 00:25:22.720 --> 00:25:26.640 In other words, Mark, I'm thinking they don't have to redo the whole 332 00:25:26.640 --> 00:25:30.960 installation. Are you thinking all he has to do is get these things sealed. 333 00:25:32.640 --> 00:25:34.079 Yeah, I think I think that's right. I think I you know, 334 00:25:34.240 --> 00:25:37.240 you can take whatever tram or brick mold is around there, take that 335 00:25:37.319 --> 00:25:41.680 off and make sure it's properly installed. I mean, it's it's you know, 336 00:25:41.000 --> 00:25:45.599 properly have this moment's hey, Joe, how many windows do you have? 337 00:25:47.960 --> 00:25:55.000 I've got eight windows and two six foot sliding doors. Now is air 338 00:25:56.000 --> 00:26:00.319 leaking on all of them? Oh yeah, yeah, and it's going right 339 00:26:00.559 --> 00:26:04.279 around the window and through the brick mold. You've seen the pictures they've now 340 00:26:06.200 --> 00:26:10.400 here's what I say. Here's what I say, Joe. And it's a 341 00:26:10.519 --> 00:26:15.839 very easy thing to do. Get an estimate to remove all the molding and 342 00:26:15.880 --> 00:26:22.039 seal around the windows. Get an estimate. Yeah. But here's here's I 343 00:26:22.039 --> 00:26:25.039 think part of the problem. They put about a two and a half jam 344 00:26:25.079 --> 00:26:29.640 extension on because the mode windows were four and nine fully jammed and they were 345 00:26:29.680 --> 00:26:33.680 insulated from outside the inside. But hold on, what does that mean mark 346 00:26:33.720 --> 00:26:38.559 a jam extension? It's because the windows thinner than the wall. And see 347 00:26:38.880 --> 00:26:42.599 oh okay, okay, so they made the windows. Why but you can 348 00:26:42.640 --> 00:26:45.519 still seal them, Joe, what do you mean that's the problem. You 349 00:26:45.559 --> 00:26:51.279 can still get an estimate for sealing them. Right. Well, here's the 350 00:26:51.359 --> 00:26:55.119 problem too, I says, I can probably fix it myself. I got 351 00:26:55.200 --> 00:26:59.039 Joe, what's the problem. Get to the problem, And the problem is 352 00:26:59.119 --> 00:27:03.720 leakage. And if they've fully wrapped that whole interior ro and fully insulate it 353 00:27:03.759 --> 00:27:08.799 from inside to outside and see it all around because you got exposed to Joe 354 00:27:10.200 --> 00:27:14.839 through it, keep going, you're not finishing, keep going, And so 355 00:27:14.920 --> 00:27:21.559 they have to fully rep that, seal it foment inside and then clear to 356 00:27:21.640 --> 00:27:23.839 the outside. There should be five inches. They only put a couple of 357 00:27:23.839 --> 00:27:29.160 inches of foam around the window, put the jam extension in tasing on like 358 00:27:29.200 --> 00:27:34.559 a picture frame unit, and never foamed or insulated around the jam extension to 359 00:27:34.640 --> 00:27:37.799 the window. So it's now hold on, Eric, Mark, do you 360 00:27:37.880 --> 00:27:44.440 understand what he's saying and is he correct? I understand what he's saying. 361 00:27:44.559 --> 00:27:47.480 Yes, I agree. You know, if there's only like an inch or 362 00:27:47.519 --> 00:27:52.319 two of foam in there, then it's probably not continuous. And yeah, 363 00:27:52.640 --> 00:27:55.839 that could be the problem for sure. And then do they also flash above 364 00:27:55.880 --> 00:28:00.000 the window and above the trim. Well, I made sure that they did 365 00:28:00.079 --> 00:28:03.200 put a drip cap on it and that's all there is, just like the 366 00:28:03.240 --> 00:28:10.359 wood windows had. Right. Okay, So here's the solution, Joe. 367 00:28:10.680 --> 00:28:15.079 When I tell you this and you say here's the problem, I'm asking straight 368 00:28:15.160 --> 00:28:18.119 up, you get or I'm telling you straight up, you get an estimate 369 00:28:18.200 --> 00:28:22.000 for ceiling, and you keep saying you can. You can get an estimate 370 00:28:22.279 --> 00:28:27.920 on what it will cost to seal those windows? Is that right? Yeah? 371 00:28:29.000 --> 00:28:30.960 But they tell me if I touch them all the warranties. Boys, 372 00:28:32.079 --> 00:28:37.319 Joe, you didn't let me finish. Now you can get an estemmet on 373 00:28:37.559 --> 00:28:45.680 what it will take to seal the windows. The warranty will not be affected 374 00:28:47.440 --> 00:28:53.160 because Marvin is the one that does that, and if you're only ceiling around 375 00:28:53.200 --> 00:29:00.359 a window, it will not interfere with the Marvin warranty. Once you get 376 00:29:00.400 --> 00:29:07.240 an estimate, now you have damages for what I believe is a breach of 377 00:29:07.480 --> 00:29:15.000 contract by next gen. So let's say it's gonna be under seventy five hundred. 378 00:29:15.119 --> 00:29:18.319 I don't know if it will or not. What do you think, 379 00:29:18.359 --> 00:29:21.599 Mark? How many windows? Eight windows do you think it'll be and two 380 00:29:21.680 --> 00:29:25.240 doors? Do you think that'll be under seventy five hundred to do all those 381 00:29:25.240 --> 00:29:30.920 ceilings? Yes, I would think so. If so, then Joe, 382 00:29:30.279 --> 00:29:40.599 you can sue them in small claims court for those damages. That is what 383 00:29:40.640 --> 00:29:45.079 I would do. I would call a legitimate company, next Gen. There's 384 00:29:45.079 --> 00:29:48.519 no sense they already said they're not going to do it. I would call 385 00:29:48.960 --> 00:29:52.119 a legitimate company like Genesis or someone who has time to do this repair. 386 00:29:53.000 --> 00:29:59.000 Have them estimate the repair. Now you have damages that you make a demand 387 00:29:59.039 --> 00:30:03.200 to Next Gen or Will and if next Gen says no, you're take in 388 00:30:03.200 --> 00:30:07.559 the small claims court for breach. That's what I would do. Three O 389 00:30:07.680 --> 00:30:11.200 three seven to one three. What's that, sir? Let me tell you 390 00:30:11.240 --> 00:30:15.160 this. They've even had a service manager come out and I showed them the 391 00:30:15.200 --> 00:30:18.440 pictures that I sent to you, and they looked at it and he goes, 392 00:30:18.480 --> 00:30:21.279 oh my god, they're not installed. Right, okay, Joe, 393 00:30:21.319 --> 00:30:26.039 another week or two okay, Joe. As I said, get your estimate, 394 00:30:26.119 --> 00:30:32.440 call us back please. And of course Genesis their number is three oh 395 00:30:32.480 --> 00:30:44.359 three six seventy nine eight five zero nine. Go with a sure thing Denver's 396 00:30:44.400 --> 00:30:48.759 best roofer excel roofing dot com. You don't pay a cent until you're content. 397 00:30:52.119 --> 00:30:56.839 Time for an insurance check up free no obligation. Comparison call Compass Insurance 398 00:30:56.000 --> 00:31:00.119 paying too much your coverage at dozens of insurance companies find out now three oh 399 00:31:00.160 --> 00:31:03.920 three seven seven to one help. You'll think you're his only customer when you 400 00:31:04.000 --> 00:31:08.160 choose Frank durand the real estate Man dot com to list your home with Remax 401 00:31:08.200 --> 00:31:15.720 Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino here 402 00:31:15.799 --> 00:31:18.720 three all three seven one three talk three oh three seven one three eight two 403 00:31:18.759 --> 00:31:25.119 five five. Uh, Premiere window washing U is uh going strong right now 404 00:31:25.119 --> 00:31:27.880 with the good weather. This Premiere window cleaning and pressure washing. We clean 405 00:31:27.920 --> 00:31:33.599 windows dot so if you need a great job, we clean windows dot COO. 406 00:31:33.839 --> 00:31:37.599 They also do window tinting. We clean windows dot co. Now let's 407 00:31:37.640 --> 00:31:42.279 continue, and uh we have Deputy Bo. He has a Camping World update. 408 00:31:42.759 --> 00:31:48.359 Now I know Mark really really was pissed off at them yesterday. Bo. 409 00:31:48.599 --> 00:31:52.359 Can you recap the original problem here and I'll bring it up. Yes, 410 00:31:55.359 --> 00:32:00.759 Lady named Melissa bought a camper from camp being World over a year ago. 411 00:32:01.359 --> 00:32:06.319 Yeah, and PA thirty eight thousand dollars. And it hasn't she hasn't 412 00:32:06.359 --> 00:32:07.759 been able to use it. Right? You know, I used it for 413 00:32:07.799 --> 00:32:12.680 a few days. She went on a trip two days after they bought it 414 00:32:12.720 --> 00:32:15.079 and it started getting moisture in the camper, so they brought it back. 415 00:32:15.759 --> 00:32:20.480 They found a lot of cracks, and now this camper was brand new, 416 00:32:20.880 --> 00:32:25.160 So they sent the camper back to Lance, which was the manufacturer, and 417 00:32:25.240 --> 00:32:30.160 they had it for like four to five months and then sent the camper back 418 00:32:31.000 --> 00:32:36.720 and apparently she still has the same problems with the They didn't repair the cracks 419 00:32:36.759 --> 00:32:42.480 properly and the jacks do not work. So she left the camper there because 420 00:32:42.519 --> 00:32:45.200 basically it's unusable. So she's been trying to get a hold of the people 421 00:32:45.319 --> 00:32:52.160 at Camper Camping World to take the cracks in the roof they were in there, 422 00:32:52.279 --> 00:32:55.319 she called. The cracks were in the basement and in the walls and 423 00:32:55.400 --> 00:33:00.359 basically in the structure. And when they repair I guess I just did a 424 00:33:00.440 --> 00:33:05.640 superficial repair. They just codd it with something and put in lag screws. 425 00:33:06.000 --> 00:33:08.640 She sent pictures that looked like a so what are we doing? Will they 426 00:33:08.640 --> 00:33:15.359 do anything about it? Well, Tom, Melissa's called over there four or 427 00:33:15.359 --> 00:33:20.200 five times. I called six times to talk to their service manager and they 428 00:33:20.319 --> 00:33:24.839 just will not return the call. So what I did yesterday I did a 429 00:33:24.839 --> 00:33:31.440 little research and found out that this Marcus Leminas is the owner of Knight Right. 430 00:33:31.839 --> 00:33:36.559 So Marcus is the one that does that show the profit. Yeah, 431 00:33:37.119 --> 00:33:39.519 So I was able to get a hold of his corporate offices. Yesterday. 432 00:33:39.839 --> 00:33:45.839 I talked to his secretary, told her the whole deal, and I just 433 00:33:45.880 --> 00:33:49.079 wanted to make sure I had the rite number and it was legitimate. So 434 00:33:49.200 --> 00:33:53.400 I followed up with a call with Marcus Lemanus's office today he's in Illinois. 435 00:33:54.039 --> 00:33:58.000 Gave her the story. I just wanted to make sure I had to write 436 00:33:58.000 --> 00:34:04.920 people, and he and Marcus's secretary, sheryls was very receptive, but she 437 00:34:05.240 --> 00:34:07.920 wants the owner of the camper to call them direct. Well, there's nothing 438 00:34:07.960 --> 00:34:10.800 wrong with that, yeah, and that's fine. So I called Melissa. 439 00:34:10.840 --> 00:34:19.559 I told Melissa to call Marcus Lemanus's office this morning and tell them his office 440 00:34:19.599 --> 00:34:22.840 the whole problem and hopefully says he's the owner of the company, he'll be 441 00:34:22.920 --> 00:34:27.800 able to give her a refund or to get her and I think she deserves 442 00:34:27.800 --> 00:34:31.440 a refund or a brand new camper. I do too, because she bought 443 00:34:31.480 --> 00:34:36.239 it new and they can't use it. I mean they haven't had been spent 444 00:34:36.360 --> 00:34:39.199 thirty nine thousand dollars and they can't use the camp they only use the camper 445 00:34:39.280 --> 00:34:45.480 once. I mean, yes, why do you Why was Mark upset because 446 00:34:45.480 --> 00:34:49.800 they weren't calling back or anything? Yeah, I mean, I mean, 447 00:34:50.000 --> 00:34:52.760 she spent all this money, they're not calling us back to not calling the 448 00:34:52.800 --> 00:34:58.760 owner Melissa back, they just will not return her calls. Okay, you 449 00:34:58.800 --> 00:35:02.079 know, I mean I think they should go on this sleeves brigade if if 450 00:35:02.159 --> 00:35:08.760 this, I think he was supposedly supposedly going to turn this place around because 451 00:35:08.760 --> 00:35:14.639 they have such horrendous customer service. It sucks. We get to help this 452 00:35:14.800 --> 00:35:16.840 link we get every time we get a complaint. We hear the same thing 453 00:35:16.840 --> 00:35:21.159 about Camping World. It used to be pretty good. Then it went down 454 00:35:21.239 --> 00:35:23.960 the hill, and then he took it over, and we thought it was 455 00:35:24.000 --> 00:35:28.320 going to turn around. But it hasn't yet. So let's wait and see 456 00:35:28.320 --> 00:35:31.000 what we find out about this. I'm Tom Martino. We have more coming 457 00:35:31.079 --> 00:35:34.880 up, and we have some real estate issues to talk about that I think 458 00:35:34.920 --> 00:35:37.480 you're gonna be very interested in as well. Three oh three seven one three 459 00:35:37.599 --> 00:35:45.000 eight two five five Go with a sure thing Denver's best roofer Excel Roofing dot 460 00:35:45.039 --> 00:35:52.719 com. You don't pay a cent until you're content. Time for an insurance 461 00:35:52.800 --> 00:35:57.360 checkup free, no obligation. In comparison, call Compass Insurance paying too much 462 00:35:57.480 --> 00:36:00.400 your coverage at dozens of insurance companies Find out out now three oh three seven 463 00:36:00.519 --> 00:36:05.559 seven one help. You'll think you're his only customer when you choose Frank durand 464 00:36:05.559 --> 00:36:09.000 the real estate Man dot com to list your home with Remax Alliance three oh 465 00:36:09.000 --> 00:36:22.320 three nine two zero sixteen twenty two. Yeah, ripped you need advice? 466 00:36:22.440 --> 00:36:29.000 Who you don't have? Come running just as fast as we can. Show 467 00:36:29.199 --> 00:36:36.840 Shooter's gonna help. Come Man six is the Troubleshooter Show. No Tom Martino, 468 00:36:37.280 --> 00:36:42.280 Hi Tom Martino here, Welcome to the show. Three oh three seven 469 00:36:42.360 --> 00:36:45.400 one three talk seven one three eight two five five Here to help you solve 470 00:36:45.440 --> 00:36:49.760 your problems, answer questions, take complaints, get your calls in for sure, 471 00:36:50.239 --> 00:36:55.559 and we'd love to help you on anything that you need help with. 472 00:36:55.639 --> 00:36:59.239 So don't let things fester. If if if you have a problem, a 473 00:36:59.320 --> 00:37:01.320 question to complaint, someone lies, you, cheated, you, ripped you 474 00:37:01.360 --> 00:37:06.079 off. We want to hear about it and we try to help you by 475 00:37:06.079 --> 00:37:10.239 warning you. We try to help you by exposing the bad guys so other 476 00:37:10.280 --> 00:37:15.239 people don't make the same mistake. And it's just the only show that really 477 00:37:15.280 --> 00:37:20.760 talks about all of this stuff. Remember you can call three oh three Martino 478 00:37:20.880 --> 00:37:24.599 twenty four seven three oh three six two seven eight four sixty six. I 479 00:37:24.599 --> 00:37:30.159 got an email, very curious, listen to this one. My name is 480 00:37:30.199 --> 00:37:39.400 Alec and uh I use Jeff Jolliffe. Oh my god, Jeff Jolliff. 481 00:37:39.480 --> 00:37:44.960 Anyone listening right now, go to YouTube look up Jeff Jolliff on my Troubleshooter 482 00:37:45.000 --> 00:37:51.480 network page, or go to LinkedIn or Instagram, the real Tom Martino or 483 00:37:52.079 --> 00:37:59.480 wherever, uh, and you'll see a video about Jeff Jolliffe. Jeff Jolliffe, 484 00:38:00.360 --> 00:38:07.079 replace my transmission. It doesn't work. We do not, under any 485 00:38:07.119 --> 00:38:12.280 circumstances, want to return it for warranty work. Well, of course not, 486 00:38:12.480 --> 00:38:15.280 because when you do, it's either stolen or not fixed. And he's 487 00:38:15.360 --> 00:38:23.239 not fixed. Dozens. I've spent hours researching him, his old companies, 488 00:38:23.679 --> 00:38:30.760 his lawsuits, his complaints. I'd love to retain counsel and file a lawsuit 489 00:38:30.800 --> 00:38:36.280 against him. Man, you can, but it's going to be futility. 490 00:38:36.320 --> 00:38:37.960 What happens you get a judgment? This guy is such a dead beee. 491 00:38:38.400 --> 00:38:43.199 Really, the only thing for this is me talking about not this email. 492 00:38:43.559 --> 00:38:46.679 He's got to be arrested. That's really what has to happen. He has 493 00:38:46.719 --> 00:38:52.039 to be arrested. Arrested. It says there is no shortage of individuals. 494 00:38:52.039 --> 00:38:57.840 This man is scammed. Instead of pursuing an individual lawsuit, what about it, 495 00:38:57.960 --> 00:39:01.719 we just do something as a class action. You know, as Brad 496 00:39:01.760 --> 00:39:05.480 will tell you. Brad O'Brien's an attorney, class actions. A lot of 497 00:39:05.519 --> 00:39:14.039 people mistake a class action and what it's meant for this would this kind of 498 00:39:14.039 --> 00:39:16.480 a lawsuit you're talking about would more like be a joinder lawsuit where you're all 499 00:39:16.480 --> 00:39:22.400 being ripped off by the same guy. Class actions are usually how do I 500 00:39:22.440 --> 00:39:25.559 explain it, Brad? A lot of people confuse that. They say we 501 00:39:25.599 --> 00:39:30.679 should do a class action lawsuit because there are victims, But class action is 502 00:39:30.719 --> 00:39:32.599 really a whole different animal, isn't it. Well, I don't do class 503 00:39:32.639 --> 00:39:36.159 action, no, of course I know they do. They look for commonality 504 00:39:36.199 --> 00:39:39.280 of claims, and they look for big claims in many planes and plentiful claims 505 00:39:39.280 --> 00:39:44.039 because it takes on a giant class of people. Well, the court looks 506 00:39:44.039 --> 00:39:47.679 for commonality, The lawyers who bring those kind of claims look for the victims. 507 00:39:47.880 --> 00:39:51.800 The money pot. Yeah, it has to be a big pot of 508 00:39:51.800 --> 00:39:53.880 money at the end that would justify. Yeah, they're doing it on a 509 00:39:53.960 --> 00:40:00.039 comp basis and expect basis. Suing someone for a similar complaint is not not 510 00:40:00.199 --> 00:40:02.800 necessarily a class action. No, you can have like three to five plaintiffs 511 00:40:04.360 --> 00:40:07.599 without being a class action. Yeah, without being right. Yeah. Now, 512 00:40:08.119 --> 00:40:13.519 usually what a class action is is that there are so many victims out 513 00:40:13.519 --> 00:40:17.760 there that you can actually start soliciting for people who've been who meet these six 514 00:40:17.960 --> 00:40:22.400 circumstances. In other words, it wouldn't be worth it to go out and 515 00:40:22.679 --> 00:40:27.280 start advertising. Have you been a victim of Jeff jallaf? We're all going 516 00:40:27.320 --> 00:40:30.800 to do a class action because, as Brad said, there's no money in 517 00:40:30.840 --> 00:40:35.920 it, and also, a class action is for public good. Now, 518 00:40:36.079 --> 00:40:38.920 that doesn't mean it wouldn't do the public any good getting Jeff out of business. 519 00:40:38.920 --> 00:40:44.920 It would, but not the public in general. It's a weird distinction. 520 00:40:45.079 --> 00:40:46.320 But you're not going to get a class action. You're just not going 521 00:40:46.400 --> 00:40:52.719 to get one anyway. He wants to know if I would be interested in 522 00:40:52.840 --> 00:40:57.000 pursuing class you can. Here's what we should do. We should try to 523 00:40:57.000 --> 00:41:00.480 get him arrested. We should try to get this state attorney general to take 524 00:41:00.559 --> 00:41:07.840 action against him. He's a flagrant, repeated violator of the consumer protection loss. 525 00:41:08.679 --> 00:41:14.320 He is truly what a state attorney general should go after. And I 526 00:41:14.360 --> 00:41:20.280 say a state attorney general because he's in different jurisdictions at different times, so 527 00:41:20.360 --> 00:41:28.079 a district attorney is not going to do it. So I believe you should 528 00:41:28.119 --> 00:41:31.239 go after go to the state attorney General's office. We should get a list 529 00:41:31.320 --> 00:41:37.920 of victims and just try to get the guy truly in trouble with the state 530 00:41:37.960 --> 00:41:43.320 attorney general. That's what I believe needs to happen. In three zero three 531 00:41:44.000 --> 00:41:49.000 seven one three talk three oh three seven one three eight two five five. 532 00:41:49.840 --> 00:41:55.920 Now these guys erased my uh erased my questions for you that came in on 533 00:41:57.000 --> 00:42:02.320 text, So I need to UH find them, Okay, Brad O'Brien O'Brien 534 00:42:02.400 --> 00:42:12.199 Legal Services for real Estate. One, when we talked about primary residences and 535 00:42:12.239 --> 00:42:20.840 we talked about the homestead exemption, you can protect up to three hundred and 536 00:42:20.840 --> 00:42:25.639 fifty thousand dollars of equity if you're over sixty, and that's a lot of 537 00:42:25.639 --> 00:42:30.920 equity. But the definition of a residence, because you brought this up, 538 00:42:30.480 --> 00:42:35.960 it's more than just a house, right, Well, the homestead or dwelling 539 00:42:36.280 --> 00:42:42.719 is widely defined in the statute. So it could be things like a houseboat, 540 00:42:42.920 --> 00:42:45.960 or a trailer or a trailer coach, mobile home. Oh, like 541 00:42:45.000 --> 00:42:47.519 a motor home, a big motor home. Yeah. It could even be 542 00:42:47.599 --> 00:42:51.360 a shipping container if that's what you live in. Wow, it could be 543 00:42:51.360 --> 00:42:57.119 a yurt. So if it's a primary residence, it can be covered up 544 00:42:57.199 --> 00:43:00.199 to three hundred and fifty right. Okay. Now not vacation homes though, 545 00:43:00.280 --> 00:43:05.199 right. Not second homes, not at all? Okay? Can you switch 546 00:43:05.239 --> 00:43:07.199 what is the first home in a second home? If someone starts coming after 547 00:43:07.239 --> 00:43:10.639 you. If you have like an expensive home in the mountains and you have 548 00:43:10.679 --> 00:43:15.320 a primary residence in Denver or somewhere else, can you switch you if you 549 00:43:15.480 --> 00:43:21.559 sniff lawsuits coming, can you go to the more expensive house and call it 550 00:43:21.599 --> 00:43:24.159 a prime and switch your primary residence. It's the house that you intend to 551 00:43:24.199 --> 00:43:28.880 be your primary dwelling, and you can switch that even, right, And 552 00:43:28.920 --> 00:43:34.320 a married couple can actually split have two if they're both owned Wow, jointly 553 00:43:34.719 --> 00:43:39.360 you can claim a homestead exemption on two homes. Wow. So you can 554 00:43:39.400 --> 00:43:44.039 have two joint homes. Your wife has one primary residence and you have another. 555 00:43:44.480 --> 00:43:49.440 Right if in fact each one has uses the separate house as their primary 556 00:43:49.440 --> 00:43:52.239 residence. Well, use and declare are two different things. I mean, 557 00:43:52.679 --> 00:44:00.159 I doubt that the trustee is going to go check the bedrooms to see you 558 00:44:00.239 --> 00:44:04.039 sleep in there. Well, when six figures of equity is at stake, 559 00:44:04.079 --> 00:44:07.559 people will look into the facts of eventually, Actually, how did you use 560 00:44:07.599 --> 00:44:10.039 the residents? You can be gone temporarily. It doesn't have to be occupied 561 00:44:10.480 --> 00:44:15.440 like all the time, But as long as you have an intent to return 562 00:44:15.719 --> 00:44:20.360 after a temporary basis, it can still be your primary Then what about when 563 00:44:20.440 --> 00:44:28.280 it comes to HOA lawsuits against condo people and town home people, because that 564 00:44:28.320 --> 00:44:37.039 happens a lot with leans, do the hoay's supersede homestead exemptions? That's a 565 00:44:37.079 --> 00:44:42.079 good question. In other words, hays are forever threatening to take people's places 566 00:44:42.400 --> 00:44:46.679 for violations when fees add up. I'm not one hundred percent short of the 567 00:44:46.679 --> 00:44:52.480 answer. I think that if the HIA documents include a homestead waiver, then 568 00:44:52.559 --> 00:44:57.239 it would be oh oh oh, so that you can actually then wave it. 569 00:44:57.360 --> 00:45:00.480 You can wave it if you bought an expensive boat or ca. Yeah. 570 00:45:00.480 --> 00:45:05.039 The only type of lane that I know automatically goes outside of the homestead 571 00:45:05.039 --> 00:45:08.360 exemptions. It is a federal tax lane. Right of course, taxes, 572 00:45:08.440 --> 00:45:13.000 I mean I imagine state taxes too, I imagine any taxes. I'm just 573 00:45:13.079 --> 00:45:15.199 not sure about the HOA lean. So that's a good point, though. 574 00:45:16.239 --> 00:45:20.760 You need to look for those waivers because there are many times you could sign 575 00:45:20.800 --> 00:45:24.840 a separate document waiving your right to a homestead exemption, which would give the 576 00:45:24.920 --> 00:45:28.639 creditor a right to come after it. Right when you sign a mortgage or 577 00:45:28.639 --> 00:45:30.960 a DTA trust, it's going to be buried in the fine print, probably 578 00:45:30.000 --> 00:45:36.639 on the last page where it says homestead waiver. And maybe do you think 579 00:45:36.719 --> 00:45:40.920 regular consumer lenks might start doing that because it is such a big yeah, 580 00:45:42.639 --> 00:45:46.079 I think so. Anyway, you look for that, that's something that people 581 00:45:46.320 --> 00:45:50.159 and then of course if you do oppose it, people are going to ask 582 00:45:50.519 --> 00:45:53.280 why are you opposing it? I mean, in other words, why would 583 00:45:53.320 --> 00:46:00.800 you oppose the homestead waiver if you plan on paying me really. In other 584 00:46:00.840 --> 00:46:02.079 words, that's a good point. They could say, well, we're not 585 00:46:02.079 --> 00:46:05.599 going to loan you the money. I mean, if you list your home 586 00:46:05.639 --> 00:46:07.840 equity as an asset on your loan application and you're showing and that's one of 587 00:46:07.880 --> 00:46:10.960 my assets. In fairness, that's something that the lender ought to be able 588 00:46:12.000 --> 00:46:15.039 to recover against if you're using it to justify the loan. Okay. Three 589 00:46:15.079 --> 00:46:20.840 oh three seven one three talk three oh three seven one three eight two five 590 00:46:21.000 --> 00:46:23.920 five eight eight eight. Heating dot com has the risk free service fee of 591 00:46:24.800 --> 00:46:29.199 just twenty eight bucks to service any one item in your house. 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In comparison, call compass insurance paying too 598 00:47:04.559 --> 00:47:07.840 much your coverage at dozens of insurance companies find out now three oh three seven 599 00:47:07.840 --> 00:47:12.599 to seven to one help you'll think you're his only customer when you choose Frank 600 00:47:12.679 --> 00:47:15.840 durand the real estate man dot Com to list your home with Remax Alliance. 601 00:47:16.079 --> 00:47:23.599 Three all three nine two zero sixteen twenty two. Hi Tom Martino, welcome 602 00:47:23.599 --> 00:47:28.239 to the show. Three oh three seven one three talks seven one three two 603 00:47:28.239 --> 00:47:32.639 five five. Let's go to William. He has an issue with an extended 604 00:47:32.679 --> 00:47:37.079 warranty and people. You can also call three oh three Martino during the show 605 00:47:37.119 --> 00:47:39.960 after the show tonight, anytime, and we'll get back to you. Three 606 00:47:40.000 --> 00:47:44.559 oh three six two seventy eight four sixty six. Hey William, what's going 607 00:47:44.599 --> 00:47:50.239 on? Oh? Thanks for taking my call. Yes, sir, I've 608 00:47:50.320 --> 00:47:58.199 got a tackle two doAnd thirteen forty four and if we bought a seven warranty 609 00:47:58.239 --> 00:48:01.440 on it years ago before I knew that, Don Martino said a bad thing 610 00:48:01.480 --> 00:48:06.519 to do. Well, I don't like them. Under most circumstances, I 611 00:48:06.559 --> 00:48:13.440 don't like them. So what how many miles eighty three thousand? Well that's 612 00:48:13.480 --> 00:48:17.760 low mileage. Yeah, it's really good car. It'swiice car. We took 613 00:48:17.760 --> 00:48:22.199 it in to get it serviced. The shop got the whole of us. 614 00:48:22.280 --> 00:48:28.400 Said, hey, you're they call it a PTU since it's an old wheel 615 00:48:28.480 --> 00:48:34.000 drive car. But it's basically the little transfer case. Okay, there's never 616 00:48:34.039 --> 00:48:38.719 been any drips, but it's the output chet seals starting to fail. Well, 617 00:48:38.719 --> 00:48:43.280 they're kind enough, they do this work with these companies, so they 618 00:48:44.239 --> 00:48:50.320 started playing for it. The inspector who's a contractor, he had worked for 619 00:48:50.360 --> 00:48:54.840 the company. He comes out, does the inspection, but in his report 620 00:48:55.320 --> 00:49:05.639 he said something up to the point that it's cracked. Day. Well yeah, 621 00:49:05.679 --> 00:49:09.519 and you know he advises it an easy replaced. Well, they do 622 00:49:09.719 --> 00:49:15.360 not cover a cracked engine block or anything like that unless it's a mechanical failure 623 00:49:15.400 --> 00:49:23.239 that it causes it. But they do, however, cover seals and gaskets 624 00:49:23.440 --> 00:49:29.119 up to one hundred and fifty thousand miles. Well, because he said it 625 00:49:29.159 --> 00:49:31.880 was cracked and they didn't really look at the pictures very good. I'm like, 626 00:49:31.960 --> 00:49:38.199 they show a crack and they've denied it. I've had it up in 627 00:49:38.280 --> 00:49:44.639 the driveway last weekend, exceptionally beautiful pictures and there is no crack. It 628 00:49:44.800 --> 00:49:47.960 just shows that I've done enough gear bosses of my life that it shows the 629 00:49:49.000 --> 00:49:52.119 capillary movement of it. It shows the wet where it's coming out of the 630 00:49:52.079 --> 00:49:57.280 seal. But since somebody put cracked and I have called them and I've talked 631 00:49:57.320 --> 00:50:01.079 with them extensively, and they won't do anything. They won't open another claim. 632 00:50:02.280 --> 00:50:06.280 What is my recourse. I'm going to replace period. I mean, 633 00:50:06.320 --> 00:50:13.880 I don't wait for the fail now under the terms of the warranty. Under 634 00:50:13.880 --> 00:50:20.400 the terms of the warranty, if it how okay, they would replace the 635 00:50:20.480 --> 00:50:23.320 seal, if it was just the seal, right, well they have. 636 00:50:24.079 --> 00:50:30.360 It is a common failure that I understand that I'm asking you this. Under 637 00:50:30.440 --> 00:50:36.079 most extended warranties, they won't cover seals. They will say that's normal wear 638 00:50:36.079 --> 00:50:39.760 and tear. So tell me you have one of the rare ones that will 639 00:50:39.800 --> 00:50:45.960 actually cover seals. Yes, you're absolutely sure, because I've never heard of 640 00:50:46.000 --> 00:50:52.400 one that covers normal seals unless they're blown out. I've read it back and 641 00:50:52.480 --> 00:50:58.960 forth and under the powertrain it says they cover seals up to one hundred and 642 00:50:58.960 --> 00:51:05.440 fifty thousand nigh. Okay, okay, good, that's excellent. Now you're 643 00:51:05.519 --> 00:51:09.239 saying they're turning this down because of a so called crack that's not there, 644 00:51:09.599 --> 00:51:15.199 and I believe it was probably done on purpose, where they don't they didn't 645 00:51:15.239 --> 00:51:17.400 want to cover it, and that this guy is probably he probably gets paid 646 00:51:17.440 --> 00:51:22.199 on how many claims he can get denied. What I'd like to know is 647 00:51:23.519 --> 00:51:34.119 what's the name of the warranty company? Endurance is what endurance? Is it 648 00:51:34.159 --> 00:51:38.480 a warranty or is it a service contract? It's an extended warranty of the 649 00:51:38.559 --> 00:51:45.760 vehicle. Okay, here's them. One time we had something went out and 650 00:51:45.800 --> 00:51:49.760 it was a freeze, an absolute breeze, and it wasn't a big job 651 00:51:51.519 --> 00:51:58.679 done. Now, how much will it cost to replace this seal? Well, 652 00:51:58.760 --> 00:52:02.039 once again where I's going, They do not. It's the non rebuildable 653 00:52:02.079 --> 00:52:07.920 part as per oem, so they just replaced the whole thing. Will be 654 00:52:08.000 --> 00:52:15.360 Well, do you think your warranty would have to replace the whole thing? 655 00:52:15.440 --> 00:52:22.599 Because your warranty says seals. So if the seals can can't be warranted, 656 00:52:22.960 --> 00:52:25.079 can they pro rate the new one and just pay for the seal part? 657 00:52:25.400 --> 00:52:29.599 That's first of all, that's what the warranty. Well, here's whatever they 658 00:52:29.599 --> 00:52:34.480 would cover you're entitled to if this guy made a misdiagnosis. That's the bottom 659 00:52:34.519 --> 00:52:37.719 line. Whatever they would cover. So what is your recourse? Your recourse 660 00:52:38.400 --> 00:52:42.679 is to have us fight with them, but they don't care normally, or 661 00:52:42.800 --> 00:52:46.719 to take them to small claims court for the cost. That's what I was 662 00:52:46.800 --> 00:52:52.840 looking for because I can have it repair, take the part, have a 663 00:52:52.880 --> 00:52:57.440 certified inspector inspected, more pictures and whatnot. And that's what I was wondering. 664 00:52:57.480 --> 00:53:00.880 Can I take it for it? Well, you can, and you 665 00:53:00.920 --> 00:53:06.639 can't. If they have an agent here in town, you can. If 666 00:53:06.639 --> 00:53:10.679 they're not here, I don't have to go where you have to go where 667 00:53:10.679 --> 00:53:17.679 they're located. Okay. The number we got to contact with somebody was a 668 00:53:17.760 --> 00:53:23.760 three H three or a seven two zero, I believe. Okay, well 669 00:53:23.800 --> 00:53:28.559 that's good. If they have many of them will have an agent here because 670 00:53:28.559 --> 00:53:32.360 they're doing business here, and you can serve that agent the registered agent. 671 00:53:32.800 --> 00:53:37.679 So just look it up at the Secretary of State. I believe you'll win 672 00:53:38.079 --> 00:53:40.840 if you can show there are no cracks in that thing. I believe you're 673 00:53:40.880 --> 00:53:45.559 going to win. That's exactly where I'm going with it, and I needed 674 00:53:45.599 --> 00:53:50.559 to I needed your stamp. But here here, let me explain something to 675 00:53:50.599 --> 00:53:53.199 you. You have to show there are no cracks. They're going to try 676 00:53:53.239 --> 00:53:57.280 to make a settlement with you. But you have to explore the part of 677 00:53:57.280 --> 00:54:00.880 your warranty about replacing it. And I don't know if you replace it with 678 00:54:01.719 --> 00:54:07.119 another used one or a new one or you I don't have your warranty, 679 00:54:07.239 --> 00:54:12.400 so you're going to have to figure that one out, okay, And then 680 00:54:12.599 --> 00:54:16.079 and then you see accordingly for your damages, not what you you know, 681 00:54:16.199 --> 00:54:20.800 not just you know, getting a brand new one now maybe a new one. 682 00:54:20.880 --> 00:54:25.519 I don't know. And have you have you tried contacting the inspector directly 683 00:54:27.119 --> 00:54:31.320 to see if he'll change. I have. And it was the inspector that 684 00:54:31.519 --> 00:54:39.920 said, you know, you need to go through you need with the well 685 00:54:39.960 --> 00:54:47.559 hold on, does he maintain it's a crack. He does not maintain it's 686 00:54:47.559 --> 00:54:52.360 a crack. He said. The only way for them to do it again 687 00:54:52.599 --> 00:54:55.239 is I have to go back to my shop. My shop has to call 688 00:54:55.400 --> 00:55:02.079 the warranty provider again start a new claim. You know, but my pictures 689 00:55:02.199 --> 00:55:06.519 or whatnot. It says, well, why don't you do that? They 690 00:55:06.599 --> 00:55:10.800 won't do it. They have. I've been that route and I got contacted 691 00:55:10.800 --> 00:55:15.360 by the shop Yesterdy and says they told them this is it, it's over, 692 00:55:15.519 --> 00:55:19.039 it's done. We won't go We won't shore food twice? Basically, 693 00:55:19.880 --> 00:55:22.719 yeah, you know what that man. I just hope people are listening to 694 00:55:22.760 --> 00:55:29.000 this. There is no way, there is no way that people should get 695 00:55:29.000 --> 00:55:34.719 these warranties because they suck. They absolutely suck. How much did you pay 696 00:55:34.760 --> 00:55:37.079 for this warrant? How much did you pay for it? Oh? It 697 00:55:37.159 --> 00:55:42.960 was eighty five dollars a month for I don't know how many years. That's 698 00:55:43.079 --> 00:55:47.360 not an extended warranty. What that is is a service contract. Well, 699 00:55:47.639 --> 00:55:53.400 okay, extended warranties are not purchased by the month. They're just not well, 700 00:55:54.039 --> 00:55:58.159 they're purchased with a lump sum. If you're paying by the month, 701 00:55:58.199 --> 00:56:05.920 it's a service contract. Totally different animal. So, I mean, it 702 00:56:05.960 --> 00:56:07.559 doesn't matter what it is. If they did you wrong, they did you 703 00:56:07.639 --> 00:56:13.079 wrong. But you said you paid so much a month. Are you still 704 00:56:13.119 --> 00:56:15.840 paying it? No, you pay when you either could pay it all at 705 00:56:15.880 --> 00:56:19.880 once something. You can pay it so much a month for so long and 706 00:56:19.920 --> 00:56:22.360 then you're done. Oh, I mean it's been paid for a couple and 707 00:56:22.440 --> 00:56:25.519 it's been paid for like a year and a half. That okay, it 708 00:56:25.639 --> 00:56:30.880 might be then that okay, that might that might be an extended warranty. 709 00:56:30.920 --> 00:56:34.320 I don't know what you had, but but in any case, you're on 710 00:56:34.440 --> 00:56:38.840 the right track of going after these clowns three all three seven to one three 711 00:56:38.960 --> 00:56:45.280 talk seven one three eight two five five. Okay, so we have more 712 00:56:45.320 --> 00:56:49.079 coming up on the Troubleshooter show. Waterpros dot net. Get a whole house 713 00:56:49.320 --> 00:56:53.000 water purification system for around I don't know thirty five hundred bucks to get rid 714 00:56:53.079 --> 00:56:57.039 of everything you need to get rid of in your water and make it pure 715 00:56:57.039 --> 00:57:07.679 and healthy. Three oh three eight six two five four. Go with a 716 00:57:07.760 --> 00:57:12.079 sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent 717 00:57:12.320 --> 00:57:20.199 until you're content. Time for an insurance check up free no obligation comparison call 718 00:57:20.280 --> 00:57:24.239 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 719 00:57:24.320 --> 00:57:29.159 three oh three seven seven to one help. You'll think you're his only customer 720 00:57:29.199 --> 00:57:31.840 when you choose Frank durand the real estate Man dot com to list your home 721 00:57:32.039 --> 00:57:40.239 with Remax Alliance three oh three nine two zero sixteen twenty two hights To'm Martina 722 00:57:40.400 --> 00:57:47.280 here threeo three seven one three talk three oh three seven one three eight two 723 00:57:47.360 --> 00:57:55.440 five five So, David, let's talk about Johnson's auto sales. What's going 724 00:57:55.480 --> 00:58:01.119 on? David, welcome. I had some issues with my pickup, so 725 00:58:01.239 --> 00:58:06.840 I have to shave the pick up twenty twenty, and I had some issues 726 00:58:06.880 --> 00:58:10.800 with the lifters. So I took it into their dealership over here, and 727 00:58:12.239 --> 00:58:16.199 they told me they did their diagnostics and everything, and came back and told 728 00:58:16.199 --> 00:58:22.119 me that I had a bad lifter on number seven cylinder. So I asked 729 00:58:22.159 --> 00:58:25.079 him how much you did charge me to fix it. They ended up charging 730 00:58:25.119 --> 00:58:30.239 me six thousand dollars to replace the lifters on my pickup. Wait a minute, 731 00:58:30.280 --> 00:58:34.800 all the lifters were replaced for that. Now, this is what they 732 00:58:34.800 --> 00:58:37.840 told me. They told me they replaced all the lifters and they charged me 733 00:58:37.840 --> 00:58:42.199 six thousand dollars. Now you have that in writing, Yes, I do, 734 00:58:42.880 --> 00:58:46.920 okay. They So then when I went in and talked to him, 735 00:58:47.480 --> 00:58:53.079 they told me that they only replaced the lifters on the driver side. Are 736 00:58:53.119 --> 00:58:59.760 you clear? Are you really clear? On your invoice it says all lifters. 737 00:59:00.960 --> 00:59:02.119 It says right here. I can read it to your word for word. 738 00:59:02.480 --> 00:59:25.199 Read hold them. This is interesting because that's like a contracts Yeah, 739 00:59:25.360 --> 00:59:31.480 David, and okay, go ahead. So this is something to do on 740 00:59:31.880 --> 00:59:35.639 the on the invoice here, I'll tell you what. Hold on a second 741 00:59:35.679 --> 00:59:37.880 day. Just hold on. I want you to read it over and then 742 00:59:37.960 --> 00:59:43.480 find the place where they violated what they said they would do. Six grand 743 00:59:43.519 --> 00:59:45.880 to me, sounds like they should do all your living? How many? 744 00:59:45.320 --> 00:59:50.920 How many cylinders? Is this? Is this an eight? Hold on a 745 00:59:50.960 --> 01:00:00.400 second Also, Kachina, could you get Kevin Calkin on or Jeff Jeff Vick. 746 01:00:00.599 --> 01:00:05.599 I want to try to get one of those on to comment on this. 747 01:00:06.280 --> 01:00:09.079 Three zero three seven to one three talk. Meanwhile, while you're looking 748 01:00:09.119 --> 01:00:13.199 for that, I'm going to go to Chris, who has a comment on 749 01:00:13.320 --> 01:00:16.840 extended warranties I just talked about. Go ahead, Chris. Hey, Tom, 750 01:00:16.960 --> 01:00:22.280 are you good man? What's going on? So? I've been in 751 01:00:22.320 --> 01:00:27.559 the service industry, automotive service advisor for like twenty five years, Okay, 752 01:00:27.800 --> 01:00:34.280 I would I would suggest just because one repair can cost almost what a service 753 01:00:34.320 --> 01:00:40.199 contract costs you. An AC condenser, for example, uful is twelve thirteen 754 01:00:40.639 --> 01:00:46.920 dollars. A compressorsor is another thousand. I heard the comment about the guy 755 01:00:46.960 --> 01:00:54.079 with the Ford with the transfer case. Now most of these extended warranties will 756 01:00:54.199 --> 01:01:00.159 cover all the seals. The inspectors, from what I've talked to over the 757 01:01:00.239 --> 01:01:05.639 years, they don't get paid if they find something that they don't have that 758 01:01:05.920 --> 01:01:09.519 the warranty company doesn't have to pay for. However, the service writer in 759 01:01:09.599 --> 01:01:15.920 this aspect should have gone to bat for the customer with the warranty company and 760 01:01:16.000 --> 01:01:22.199 explain the situation. Because if you don't do the work at the repair shop, 761 01:01:22.039 --> 01:01:24.599 the service writer is not getting paid, You're not taking care of a 762 01:01:24.599 --> 01:01:30.800 customer. Thus you lose a customer. It's just bad all the way around. 763 01:01:31.039 --> 01:01:37.440 But Chris, do you think do you think that the service writer should 764 01:01:37.519 --> 01:01:44.480 have argued with the adjuster at the time. Absolutely, I agree that that 765 01:01:44.519 --> 01:01:47.280 would be a good thing to So he doesn't even submit the report to begin 766 01:01:47.360 --> 01:01:52.760 with. Well, and if he was a good service writer, I go 767 01:01:52.920 --> 01:01:57.760 back with the adjuster and I show him and if he goes there's a crack, 768 01:01:57.840 --> 01:02:02.159 and I say, show me, show me the craft. And a 769 01:02:02.159 --> 01:02:08.400 lot of those adjusters they are ex mechanics, but a lot of times they 770 01:02:08.440 --> 01:02:14.559 don't look hard enough. And you should have the mechanic who originally looked at 771 01:02:14.559 --> 01:02:20.199 the car that's working at the shop with you explaining things, because most of 772 01:02:20.239 --> 01:02:24.639 these adjusters are really easy guys, easy to get along with. You know, 773 01:02:24.840 --> 01:02:30.159 they're they're just there to look at something, take some pictures right what 774 01:02:30.199 --> 01:02:34.400 they see, and send it in they get paid. Now, Chris, 775 01:02:35.039 --> 01:02:38.599 Chris, let me ask you something. Do you really believe that, in 776 01:02:38.679 --> 01:02:44.800 most cases you've seen the service contracts or the warranty, whatever you want to 777 01:02:44.800 --> 01:02:47.440 call them, they come through for the consumer most of the time. Or 778 01:02:47.480 --> 01:02:52.760 do they fight like that? Okay, I can give you a perfect example. 779 01:02:52.840 --> 01:02:58.800 I had one in twenty nineteen. Suburban had check engine light misfires. 780 01:02:59.119 --> 01:03:01.519 It needed camsh acting lifters. Just like the guy that was just talking to 781 01:03:01.519 --> 01:03:06.480 you. It was a seven thousand dollars billiay to put camshaft, all new 782 01:03:06.480 --> 01:03:09.639 lifters, all the gaskets. A month later, light came back on with 783 01:03:09.719 --> 01:03:15.000 the same code low oil pressures misfires. Put an oil pressure center and an 784 01:03:15.000 --> 01:03:19.440 oil pump in. Months later, it came back on. It needs an 785 01:03:19.480 --> 01:03:24.360 engine because there's debris from the camshaft, delaminating metal going through the engine, 786 01:03:24.400 --> 01:03:29.639 plugging the oil ports, on and on. And what happened, Well, 787 01:03:30.360 --> 01:03:32.039 they originally didn't want to put an engine in and I said, look, 788 01:03:32.079 --> 01:03:37.079 this is nobody's fault because I gave him the option to put an engine in 789 01:03:37.320 --> 01:03:38.360 when it first came in. They said, oh no, no, no, 790 01:03:38.639 --> 01:03:40.760 we just want to do what it needs. I said, okay, 791 01:03:40.760 --> 01:03:45.480 fine, I dot did they keep paying? Did they keep paying? Yeah? 792 01:03:45.519 --> 01:03:51.239 What was the name of that one putting the engine? Was fourteen thousand 793 01:03:51.280 --> 01:03:53.440 dollars? No? No, what was the name of the warranty company? 794 01:03:53.559 --> 01:04:00.159 Oh? Ally, Ally, Ally, They're a very good company, are 795 01:04:00.360 --> 01:04:04.000 very easy to now, Chris. I also have had reports from some of 796 01:04:04.000 --> 01:04:12.559 my own sponsors that people like Carshield hardly ever pay. Ever, there are 797 01:04:12.639 --> 01:04:15.840 some very bad extended warranty companies out there, very bad. I'm not gonna 798 01:04:15.880 --> 01:04:20.360 lie to you. When people buy this, a word of the wise, 799 01:04:20.960 --> 01:04:24.920 don't buy it on the internet, don't buy it buy a phone call, 800 01:04:25.079 --> 01:04:28.840 don't buy it from a postcard. Go to the dealership. It may be 801 01:04:28.840 --> 01:04:34.119 a few dollars more, but the dealership will stand behind the warranty that they 802 01:04:34.239 --> 01:04:39.599 sell. And well, if it's a good dealership, if it's a good 803 01:04:39.639 --> 01:04:44.360 dealership, it will You're right, Chris. While I have you on the 804 01:04:44.400 --> 01:04:47.360 phone, I want to ask a question. The guy that said he had 805 01:04:48.239 --> 01:04:56.239 his lifters replaced for six thousand dollars. Mm hm. How many lifters would 806 01:04:56.280 --> 01:05:00.280 you expect to get replaced for that price? All of them? Okay? 807 01:05:00.519 --> 01:05:03.880 Now that's on an eight cylinder, So how many lifters would that be? 808 01:05:04.039 --> 01:05:09.440 Is that two for each? Or is that yes? Sixteen lifters? Okay, 809 01:05:09.440 --> 01:05:13.079 if they're doing the lifters, chances are if it's a GM product, 810 01:05:13.199 --> 01:05:16.920 because it's kind of a problem with gms, the lifters, the roller lifters 811 01:05:17.000 --> 01:05:23.800 kind of delaminate the camlobes and they start the camlobes flake off or the rollers 812 01:05:23.800 --> 01:05:28.480 on the lifters flake off, sending metal through the engine. Okay, so 813 01:05:29.440 --> 01:05:32.960 but Chris company, Yeah, I gotta I gotta move on, but I 814 01:05:33.000 --> 01:05:36.320 listen. I really like this call. Feel free to call in at any 815 01:05:36.320 --> 01:05:41.599 time with your expertise. Kevin Caulkin, I want to since you're on from 816 01:05:41.639 --> 01:05:45.760 Sheridan Auto Tech. This guy was totally need lifters. Now, David, 817 01:05:46.000 --> 01:05:50.440 I want to bring David up. David, how many lifters did they end 818 01:05:50.519 --> 01:05:59.440 up doing for that six grand? Okay? On me twenty four the original 819 01:05:59.440 --> 01:06:04.599 invoice, so that says sixteen lifters total of one and seventeen dollars for the 820 01:06:04.639 --> 01:06:11.239 lifters. Okay, So well I thought you said six thousand. Yeah, 821 01:06:11.320 --> 01:06:14.400 yeah, No, that's that's just for the lifters right there. That so 822 01:06:14.960 --> 01:06:18.760 there's also charging for the gaskets and everything that goes with it to replace those 823 01:06:18.800 --> 01:06:21.599 lifters. You know what I mean. But hold on now that here's what 824 01:06:21.679 --> 01:06:29.800 I'm asking. The total job to replace your lifters was quoted at six grand, 825 01:06:29.880 --> 01:06:33.039 Is that right? Yes? Yes, and that's for eighteen lifters. 826 01:06:33.719 --> 01:06:38.719 Sixteen are six at sixteen, that's right, That's what I meant. Okay, 827 01:06:39.039 --> 01:06:45.599 So but you're saying they actually only replaced how many four? How do 828 01:06:45.679 --> 01:06:48.800 you know that? Oh? So that's been half okay, So so this 829 01:06:48.880 --> 01:06:51.440 was on This was on May twenty fourth. They gave me my trust back. 830 01:06:51.800 --> 01:06:56.360 I had it for four days and that same cylinder went out again. 831 01:06:57.239 --> 01:06:59.760 So I took it back to him. David. I don't need the story, 832 01:07:00.079 --> 01:07:03.599 just need to know this. How many actual lifters did you end up 833 01:07:03.639 --> 01:07:12.719 getting done for? Six grand? Thirty two? Thirty two? They did? 834 01:07:13.320 --> 01:07:15.199 Okay, they said hold on a second, man, just hold on, 835 01:07:15.320 --> 01:07:19.800 hold on, just hold on please, I am so thirty two. 836 01:07:20.840 --> 01:07:26.360 Yeah, listen, So they charged me for sixteen the first time fourteenths later, 837 01:07:26.400 --> 01:07:29.719 I took it back. What's the same problem. They opened it back 838 01:07:29.800 --> 01:07:32.960 up. They said that they hadn't replaced lifters again. And that's when they 839 01:07:32.960 --> 01:07:38.360 told me that they had only replaced the lifters on the driver side, which 840 01:07:38.440 --> 01:07:44.960 was take hold on, David. The first time you paid six grand, 841 01:07:45.519 --> 01:07:50.960 they only replaced eight even though the contract said sixteen. Is that correct? 842 01:07:51.880 --> 01:07:56.719 Okay? Then you were shorted on the first repair, then you went back 843 01:07:56.760 --> 01:08:01.559 for the second repair. How many did they do? They told me they 844 01:08:01.559 --> 01:08:08.840 did sixteen again, And how many did they actually do as far as I 845 01:08:08.960 --> 01:08:15.199 know? And what did they charge the second time to replace sixteen? Well, 846 01:08:15.280 --> 01:08:19.479 here's a catch. How much did they charge the second time for sixteen 847 01:08:19.600 --> 01:08:25.880 lifters and then charge me the second time? Okay? Then did they finally 848 01:08:26.079 --> 01:08:30.720 replace all sixteen lifters? No, they replaced the whole engine. Okay, 849 01:08:30.720 --> 01:08:33.199 hold on, we'll come right back to you. Now, God almighty, 850 01:08:33.239 --> 01:08:43.399 now we're on the whole engine. Hold on, go with a sure thing 851 01:08:43.520 --> 01:08:46.960 Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're 852 01:08:47.000 --> 01:08:54.960 content. Time for an insurance check up free, no obligation. In comparison, 853 01:08:55.079 --> 01:08:59.640 call Compass insurance paying too much your coverage at dozens of insurance companies. 854 01:08:59.680 --> 01:09:01.960 Find out out now three all three seven seven to one help. You'll think 855 01:09:02.000 --> 01:09:06.039 you're his only customer when you choose Frank durand the real estate man dot com 856 01:09:06.039 --> 01:09:11.720 to list your home with Remax Alliance three all three nine two zero sixteen twenty 857 01:09:11.760 --> 01:09:23.600 two. Hi Tom Martine, you're troubleshooter three old three seven one three talk 858 01:09:23.680 --> 01:09:28.439 three O three seven one three eight two five five. Welcome to the show. 859 01:09:28.560 --> 01:09:31.520 Let's talk now, Kevin Calkin, I need to have you listen to 860 01:09:31.560 --> 01:09:34.720 this, but I just want to sum this up because we heard a lot 861 01:09:34.760 --> 01:09:40.359 of information we don't need right now. Right now, all we know is 862 01:09:40.560 --> 01:09:43.960 for six grand, he has sixteen lifters replaced. Sure he had to go 863 01:09:44.039 --> 01:09:46.039 back, it doesn't matter. That's what he had done. But now they're 864 01:09:46.039 --> 01:09:50.000 saying he needs a new engine. So, David, are they willing? 865 01:09:50.159 --> 01:09:54.039 Why are they saying you need a new engine? That's the part they need 866 01:09:54.079 --> 01:09:57.920 to know. Don't go back in time. They did sixteen lifters, six 867 01:09:58.039 --> 01:10:01.479 grand, Why now do you need need a new engine? I got the 868 01:10:01.479 --> 01:10:06.560 truck back drove four days the same problem happened, backfired took it back in, 869 01:10:08.399 --> 01:10:12.920 they took it apart again, found that the camshofts have you laminated and 870 01:10:13.039 --> 01:10:16.760 was pitted and so was the number seven lifter on the on the mot okay, 871 01:10:16.840 --> 01:10:21.119 So David, are they taking any responsibility for it? Or are they 872 01:10:21.159 --> 01:10:26.199 willing to credit you the six grand for another engine? How? What are 873 01:10:26.199 --> 01:10:30.279 they saying? So they said they were going to replace that stuff, right, 874 01:10:30.479 --> 01:10:33.039 so they did. When the check was putting an engine back together, 875 01:10:33.159 --> 01:10:38.640 he shipped the bullet off in the motor. And are they willing to do 876 01:10:38.720 --> 01:10:43.880 anything toward this new engine? So they're saying it's all on you, and 877 01:10:43.920 --> 01:10:47.560 that six grand you spent is out the window. You're going to replace the 878 01:10:47.600 --> 01:10:51.479 engine and it still doesn't It still doesn't work. David. Did they charge 879 01:10:51.479 --> 01:10:57.560 you for replacing the engine? No? See, you got to answer my 880 01:10:57.680 --> 01:11:00.399 questions accurately. You told me it was all on you, then you said 881 01:11:00.439 --> 01:11:04.359 they didn't charge you. I can't get an accurate answer. Go with a 882 01:11:04.399 --> 01:11:09.760 sure thing Denver's Best Roofer Excel Roofing dot com. You don't pay a cent 883 01:11:09.960 --> 01:11:15.720 until you're content. Leave time for an insurance check up, free no obligation 884 01:11:15.880 --> 01:11:21.159 comparison call Compass insurance paying too much your coverage at dozens of insurance companies. 885 01:11:21.239 --> 01:11:25.680 Find out now three oh three seven seven to one help. You'll think you're 886 01:11:25.720 --> 01:11:29.600 his only customer when you choose Frank durand the real estate man dot com to 887 01:11:29.680 --> 01:11:33.439 list your home with Remax Alliance three oh three nine two zero sixteen twenty two 888 01:11:40.199 --> 01:11:50.920 ripped so you don't have run anxious as fast as you can. Show Shooter's 889 01:11:51.000 --> 01:12:00.520 gonna help. COMEX is the Troubleshooter Show. No Tom Martinez, Hi Tom 890 01:12:00.560 --> 01:12:05.800 Martino here three O three seven one three talk three old three seven to one 891 01:12:05.880 --> 01:12:11.560 three eight two five five, Welcome to the show. We got Brad O'Brien 892 01:12:11.560 --> 01:12:15.920 with me. He's a real estate O'Brien a real estate attorney at O'Brien Legal 893 01:12:15.000 --> 01:12:18.000 Services, and we did talk a lot. I'm going to retap about certain 894 01:12:18.039 --> 01:12:23.000 things and I do have some other questions. We also have Kevin Calkin waiting 895 01:12:23.000 --> 01:12:27.720 to make a comment on this one problem and listen to folks. Sometimes these 896 01:12:27.800 --> 01:12:32.640 problems are not as first represented. But the bottom line, I just want 897 01:12:32.640 --> 01:12:36.079 to sum this up because every time I asked David, he says I had 898 01:12:36.079 --> 01:12:39.039 to pay for it all. Then he says, no, they did it, 899 01:12:39.279 --> 01:12:41.680 and really, if you listen to the call, I swear to God 900 01:12:42.439 --> 01:12:44.720 we should have gone right to it. And this is what it is. 901 01:12:45.239 --> 01:12:50.439 They attempted to fix his engine and failed to by replacing lifters. So then 902 01:12:51.920 --> 01:12:57.439 without charging him another dime, they did the lifters twice and now replace the 903 01:12:57.520 --> 01:13:01.399 engine. Okay, that's where we are right now. So what is the 904 01:13:01.439 --> 01:13:06.000 problem now, David with the replaced engine. So far, you have a 905 01:13:06.039 --> 01:13:14.680 total of six invested here right, yes, and you have an engine. 906 01:13:14.840 --> 01:13:20.680 Is the engine rebuilt? Is it use or is it new? Okay? 907 01:13:20.800 --> 01:13:25.720 Now tell me your problem right now. Okay, So I'm having the same 908 01:13:25.760 --> 01:13:29.039 problem. Okay, So the day I took that my truck after they supposedly 909 01:13:29.079 --> 01:13:34.680 changed my engine, they had a cam shaft and sixteen lifters right then, 910 01:13:34.840 --> 01:13:40.119 and they and they told me they changed the motor. I'm having the same 911 01:13:40.159 --> 01:13:44.399 problem with the motor again, and the same exact Hold on, you're having 912 01:13:44.479 --> 01:13:47.680 the same exact problem, the same exact problem. I have no power, 913 01:13:48.359 --> 01:13:53.319 the same problem, exact problem now, motor, Why would you hand me 914 01:13:53.399 --> 01:13:57.840 lifters and a cam shaft? I don't know almost let me ask. I 915 01:13:57.880 --> 01:14:00.680 don't care about that part David, here's the questquestion. Just don't fog it 916 01:14:00.800 --> 01:14:04.520 up. Here's the question, did they replace the engine or not? I 917 01:14:04.520 --> 01:14:09.640 have no idea. Well, there must be a way of telling Kevin Caulkin. 918 01:14:10.159 --> 01:14:13.199 Kevin Caulkin, how would he know if they replaced the engine with a 919 01:14:13.239 --> 01:14:16.479 rebuilt or not? Well he didn't look at the block and other components and 920 01:14:16.520 --> 01:14:19.640 see. Okay, David, David, hold on, please, David, 921 01:14:19.920 --> 01:14:21.880 you have a way, David. I want to help you, bro, 922 01:14:21.960 --> 01:14:26.159 but you have a way of just complicating things. Right now, there's one 923 01:14:26.279 --> 01:14:30.000 question, did they replace your engine or not? Go ahead, Kevin, 924 01:14:30.279 --> 01:14:33.079 Yeah, and it's something we can do a quick inspection and determine if that 925 01:14:33.119 --> 01:14:38.760 motor's been replaced. Absolutely, okay, David. There you go a free 926 01:14:38.760 --> 01:14:42.000 inspection to find out. Then we can take all the guestwork out of it. 927 01:14:42.640 --> 01:14:45.039 And then the question would be this, Kevin, if they did replace 928 01:14:45.079 --> 01:14:49.119 it, why would he have the same exact problem? He wouldn't. That's 929 01:14:49.600 --> 01:14:55.159 not really possible. No, No, it doesn't sound like they were doing 930 01:14:55.159 --> 01:14:58.479 it right from the start. I mean, you never replaced lifters without looking 931 01:14:58.520 --> 01:15:01.119 at a cam and other things. It just it doesn't work out. And 932 01:15:01.159 --> 01:15:04.760 I think that's why they replaced the engine for them, I think, But 933 01:15:04.840 --> 01:15:08.800 I don't know how they do all of this for the original six grand. 934 01:15:09.720 --> 01:15:13.399 No, that's that's pretty tough to do. I mean, how many miles 935 01:15:13.399 --> 01:15:18.199 were on this It had one hundred and thirty thousand, So why would they 936 01:15:18.279 --> 01:15:24.279 do even Listen, even if they did, the lifters wrong to rebuild that 937 01:15:24.399 --> 01:15:28.720 engine and not charge you a little bit of betterment on top of that six 938 01:15:28.840 --> 01:15:35.119 grand? Like, there's something not making sense except this. We have gotten 939 01:15:35.119 --> 01:15:39.840 a lot of complaints about Johnson, so you're not the only one. David. 940 01:15:40.279 --> 01:15:43.000 We don't know what's going on. But if I were you, I 941 01:15:43.039 --> 01:15:46.560 would start with an inspection from Sheridan Auto Tech to see what the hell they 942 01:15:46.600 --> 01:15:55.520 did. That's what I would do. I'm happy to do. You have 943 01:15:55.600 --> 01:16:00.960 an invoice where they say they replaced your engine. Good, hold on a 944 01:16:01.000 --> 01:16:06.960 second, Kashina, get him Kevin's information shared an autotech dot Com three oh 945 01:16:08.079 --> 01:16:12.159 three four five five seventy two. Kevin, this would be a good one 946 01:16:12.199 --> 01:16:15.680 to check out to see what the hell we find This guy is all. 947 01:16:15.319 --> 01:16:19.439 Yeah, I feel bad for him, but we've had some issues with Johnson. 948 01:16:19.520 --> 01:16:23.079 I don't know what's going on up there, but we've had some issues. 949 01:16:24.199 --> 01:16:27.560 Kathleen now wants to talk about Wells Fargo. Kathleen, what's going on 950 01:16:27.600 --> 01:16:34.359 with Wells Fargo? Yes, Sir Risally. In November, my mother and 951 01:16:34.399 --> 01:16:39.199 I stepped into the bank tooply for credit cards, and I told him my 952 01:16:39.239 --> 01:16:43.960 mother lost her hearing aids. They asked her a question, and then they 953 01:16:43.960 --> 01:16:45.920 said she didn't understand the question. That she did, They asked her why 954 01:16:45.960 --> 01:16:50.039 she wanted a credit card. I'm working on our house to sell our house, 955 01:16:50.119 --> 01:16:56.479 and she Stephanie called over Jesska. She said, we're refusing your mother's 956 01:16:56.520 --> 01:17:00.439 service as well. And I said, write me in outse and my friend 957 01:17:00.439 --> 01:17:03.800 in New York will step into the bank and handle with a note. And 958 01:17:04.359 --> 01:17:08.239 Stephanie said, no, we're going to call the police on you. Have 959 01:17:08.399 --> 01:17:12.520 you bodily removed the two of you. Wait a minute, Wait a minute, 960 01:17:12.520 --> 01:17:15.680 how did this turn into we're going to go to the So wait, 961 01:17:15.159 --> 01:17:19.199 you and your mom wanted a credit card? They didn't like what they heard 962 01:17:19.239 --> 01:17:26.439 from your mom. And let me get this straight. After that, you 963 01:17:26.520 --> 01:17:30.279 said, what after after they turned you down? You said, we have 964 01:17:30.359 --> 01:17:34.319 a friend in New York. Yes, he's a he's a movie producer and 965 01:17:34.399 --> 01:17:40.159 investor rolland bets and I was and tell me what but what so? So 966 01:17:40.239 --> 01:17:43.079 I don't understand how his name came up. You said, well, I 967 01:17:43.119 --> 01:17:45.560 have a movie producer friend or something in New York and he'll tell that. 968 01:17:45.720 --> 01:17:49.159 I just said, I have a friend in New York who I'll send him 969 01:17:49.199 --> 01:17:53.600 the note and he can step into the bank and give them the note. 970 01:17:53.760 --> 01:17:57.960 Is why you're refusing my mother's service? Well? Did this sound like a 971 01:17:58.000 --> 01:18:00.960 threat to them? Like a gangster? Hey, I know a guy in 972 01:18:00.039 --> 01:18:04.439 New York. Oh no, I I'm very fliit. I just said, 973 01:18:04.960 --> 01:18:09.600 well, can I have a note? Please? Skating? Why you're refusing 974 01:18:09.680 --> 01:18:14.439 my mother's service? Because my mother said to them? My daughter repeated the 975 01:18:14.520 --> 01:18:17.119 question, and I answered you, I said, I'm applying for a credit 976 01:18:17.119 --> 01:18:19.520 card. Well, did they give you the reason? First of all, 977 01:18:19.560 --> 01:18:26.640 did they give you a reason for calling the police? No? Why they 978 01:18:26.640 --> 01:18:30.199 were rejected? Why was it just your mom applying or you? No? 979 01:18:30.399 --> 01:18:36.680 I had an appointment after her and you were both rejected. Right? Yeah? 980 01:18:36.680 --> 01:18:40.800 She said, Well now that I'm now that I'm refusing your mother sirs, 981 01:18:40.840 --> 01:18:44.520 I'm going to refuse you too. Okay, Now, care about me 982 01:18:44.640 --> 01:18:46.720 that and then my mother started crying. Since that I understood the question. 983 01:18:46.800 --> 01:18:50.800 I was born Razor, I speak perfect English, and I was asked, 984 01:18:50.920 --> 01:18:54.840 why so, what do you tell me what you think is going What do 985 01:18:54.880 --> 01:18:59.680 you think is going on? I don't know, because when they called the 986 01:18:59.720 --> 01:19:01.960 plea, I had also called the police. Why did they call the police? 987 01:19:02.000 --> 01:19:06.199 I don't understand why someone would call the police. Yeah, they said 988 01:19:06.239 --> 01:19:12.439 I was causing a disturbance by asking for that note. Wait, were you 989 01:19:12.640 --> 01:19:16.680 just talking very calmly like you are now? Yeah, it's I'm sure it's 990 01:19:16.720 --> 01:19:21.760 on camera. Kay. They got angry because I wanted the note. I 991 01:19:21.800 --> 01:19:26.920 said, you're refusing my mother's service. She answered the question twice. You 992 01:19:27.039 --> 01:19:30.039 you well, why does she lose your hearings? I don't she just happened 993 01:19:30.039 --> 01:19:33.119 to lose your hearing And hold on a second, hold on a second, 994 01:19:33.399 --> 01:19:38.600 you know, just so you know, they don't have to they don't have 995 01:19:38.640 --> 01:19:41.399 to do business with you, Okay, But what I'd like to know is 996 01:19:41.439 --> 01:19:46.680 this, why don't you just apply somewhere else? Well, the thing is 997 01:19:46.720 --> 01:19:50.680 we've been with them eight years and they refinanced our house orry eight hundred thousand 998 01:19:50.720 --> 01:19:57.560 dollars home in twenty twenty, and they've boss been kind of yeah, that's 999 01:19:57.560 --> 01:20:00.880 why. And Stephanie, I said, you were rude enough making my mother 1000 01:20:00.960 --> 01:20:03.960 and I wait forty five minutes, just sit and shoes you see. Okay, 1001 01:20:04.000 --> 01:20:08.520 but you know you can't make them, you can't make them do business 1002 01:20:08.560 --> 01:20:12.079 with you. Right, but you go on a different branch of Wells Fargo. 1003 01:20:12.119 --> 01:20:16.239 What's the big deal? Well, why why bother just go online and 1004 01:20:16.279 --> 01:20:20.880 get a freaking credit card? What's the biggest real like, that wasn't the 1005 01:20:20.960 --> 01:20:27.279 problem because we've always done business with them. And I asked Jessica, so 1006 01:20:27.439 --> 01:20:30.279 what would you like? Then? You want us? You want us to 1007 01:20:30.439 --> 01:20:34.680 contact Wells that's the problem. No, that's not the problem. So when 1008 01:20:34.680 --> 01:20:38.520 they called the police, I happened to know the police officer Cooper. We 1009 01:20:38.640 --> 01:20:41.479 stepped outside. She said, this is a ridiculous, Kathleen. I was 1010 01:20:41.520 --> 01:20:45.640 complaining, which I did. Al Fargo sent me a letter saying my mother 1011 01:20:45.760 --> 01:20:48.720 continue, continue being a customer, and I couldn't. Then there's another letter 1012 01:20:48.800 --> 01:20:55.279 apologizing. So what happened is just two weeks ago. I didn't realize why 1013 01:20:55.279 --> 01:20:58.880 we were having problem getting her balance. And then they said, well they 1014 01:20:58.920 --> 01:21:02.880 canceled your mother's debit card. I said, why do the suspicious activity? 1015 01:21:03.079 --> 01:21:06.159 Did she go to the seven eleven? Yes, and she I said, 1016 01:21:06.159 --> 01:21:13.319 she tried to withdraw money on her overdraft protecking fine reclines and they declined, 1017 01:21:13.359 --> 01:21:16.720 so we said forget about it anyway. So her social Security check came in 1018 01:21:16.880 --> 01:21:20.119 on the third and I called them and they said, well, we put 1019 01:21:20.159 --> 01:21:25.600 a freeze on your mother's account. Why don't you just well listen, Kathleen, 1020 01:21:26.119 --> 01:21:30.119 won't just close everything and move to another bank. Yeah, they won't 1021 01:21:30.159 --> 01:21:33.600 let us. We went six times to the banking comrace. Wait a minute, 1022 01:21:33.800 --> 01:21:41.000 how much is in the bank that they froze on? Seven dollars and 1023 01:21:41.119 --> 01:21:45.239 they say they're going to keep it. Yeah, what happened? My mother 1024 01:21:45.319 --> 01:21:48.640 says, Look, did they say they're going to keep it? Yes, 1025 01:21:49.800 --> 01:21:54.960 okay, they did so they said, we're sorry, Kathleen, We're just 1026 01:21:55.039 --> 01:22:00.239 going to keep your money and close your account. No, they released it. 1027 01:22:00.319 --> 01:22:03.520 I just got my check. Hey, on your mother's account. On 1028 01:22:03.680 --> 01:22:08.199 your mother's account, they just said we're going to keep your mother's money. 1029 01:22:10.279 --> 01:22:14.359 This is what they told her the first time before, the first time we 1030 01:22:14.439 --> 01:22:16.359 went, they said, just show me, show your idea with mother's ID 1031 01:22:17.000 --> 01:22:20.359 and we'll release her phone. And they didn't do it. We did what 1032 01:22:20.439 --> 01:22:24.920 the banker said, tried to cast a check a King super n again. 1033 01:22:25.279 --> 01:22:27.760 So six times we went, sixth time we went. She said, I 1034 01:22:27.800 --> 01:22:30.359 don't understand this. Catheline and Margaret. So she called the banker. He 1035 01:22:30.479 --> 01:22:33.359 refused the office. He talked to her and he said, well, tell 1036 01:22:33.399 --> 01:22:39.239 me is Gara. The only way that we will release her funds is she 1037 01:22:39.720 --> 01:22:44.479 comes back with her Xcel Energy and Denver water bill and her mortgage and we'll 1038 01:22:44.520 --> 01:22:46.199 send a check to them. Okay, the only way we're going to release 1039 01:22:46.319 --> 01:22:49.319 her funds. So my mother started crying and said, look, I just 1040 01:22:49.439 --> 01:22:53.520 want my money. I want to close this account. I'm going to another 1041 01:22:53.560 --> 01:22:57.079 bank, my daughter's bank. And he said, no, we can't let 1042 01:22:57.159 --> 01:23:01.520 you close your account now. We're not going to release your fund all dogs, 1043 01:23:05.359 --> 01:23:09.600 Kathleen, All you have to is when you open up account or another 1044 01:23:09.720 --> 01:23:13.039 bank. No, but hold on, hold on, hold on transfer. 1045 01:23:13.359 --> 01:23:17.720 If they won't let them have the money, the account is frozen. But 1046 01:23:17.960 --> 01:23:25.880 Kathleen, Kathleen, I want you to know something. This You're not the 1047 01:23:26.000 --> 01:23:30.239 only one this is happening to. This is happening. They just settled a 1048 01:23:30.319 --> 01:23:35.680 billion dollar lawsuit. I know this is happening Bankatoon. He closed his account 1049 01:23:35.720 --> 01:23:41.640 because they kept five thousand dollars three months. This is happening all over the 1050 01:23:41.760 --> 01:23:46.239 country. I promise you, I don't know why, but these the closing 1051 01:23:46.439 --> 01:23:56.760 down of bank accounts and the keeping of the money is happening all over the 1052 01:23:56.920 --> 01:24:02.600 country, all over. Yeah, a billion. What I would do if 1053 01:24:02.640 --> 01:24:05.880 you want to go through the trouble, I would sue them for it. 1054 01:24:05.960 --> 01:24:09.279 In small things, but that's what I would do. I would make their 1055 01:24:09.359 --> 01:24:15.159 asses go to court, because what they will do is they will settle with 1056 01:24:15.279 --> 01:24:18.239 you and pay the money. They will, But we can have Deputy Doc 1057 01:24:18.319 --> 01:24:21.960 call over there. Doc, we should call over there. This is ridiculous. 1058 01:24:23.079 --> 01:24:27.239 This is happening too much. I mean, Kathleen, all that story 1059 01:24:27.279 --> 01:24:30.399 about the credit cards and all that was all smoke and mirrors. The bottom 1060 01:24:30.439 --> 01:24:34.039 line is this, if they close down your account for suspicious activity, they 1061 01:24:34.159 --> 01:24:39.840 can't just unreasonable, unreasonably keep your money. This is a trend happening too 1062 01:24:39.920 --> 01:24:46.000 much in the banking industry. It's happening too much, too much. What 1063 01:24:46.199 --> 01:24:50.119 they and they won't tell you. They won't even tell you what the suspicious 1064 01:24:50.199 --> 01:24:55.560 activity is, will they? Well, they talk on my mother's part. 1065 01:24:55.640 --> 01:24:58.279 They said it was the seven eleven, and my mother explained to them, 1066 01:24:58.479 --> 01:25:01.439 yes I went, my daughter, But what was it about the seven eleven? 1067 01:25:01.520 --> 01:25:06.640 They didn't like. I don't know. They said why it was suspicious? 1068 01:25:06.640 --> 01:25:11.119 Because why did you try three times? She said? Because why not? 1069 01:25:11.319 --> 01:25:14.880 I went on only one hundred dollars for my overdraft? Wait? Why 1070 01:25:14.960 --> 01:25:17.640 so did she wait a minute? Did she go to an ATM machine? 1071 01:25:19.840 --> 01:25:23.399 Yes, that's the seven eleven, two blocks from us, you know, 1072 01:25:23.840 --> 01:25:29.880 okay? And how many withdrawals did she make from that seven eleven? Well, 1073 01:25:29.960 --> 01:25:33.199 she tried three different times and got nothing? Okay? And why because 1074 01:25:33.279 --> 01:25:39.279 her debit card was canceled? No, just speak. I don't know why 1075 01:25:39.359 --> 01:25:44.319 because before she's been able to withdraw in or overdraft section. See why was 1076 01:25:44.399 --> 01:25:48.520 she rejected three times at seven eleven ATM? Why? We don't know. 1077 01:25:49.199 --> 01:25:53.840 Well, if she was entering, if she was entering her PIN number wrong 1078 01:25:53.960 --> 01:25:57.399 or something that would be suspicious, that would be no, she did it 1079 01:25:57.520 --> 01:26:04.159 correctly. How do you know because it's her birth year? What what reason 1080 01:26:05.479 --> 01:26:13.079 hold on? What reason would did they give her for not going through usually 1081 01:26:13.199 --> 01:26:16.640 doesn't it say what does it say? Does it say improper pen what does 1082 01:26:16.720 --> 01:26:20.960 it say? No? They accept as a pin number and just decline, 1083 01:26:23.239 --> 01:26:27.600 just decline. Yeah, because there was insufficient funds. Yeah, were there 1084 01:26:27.640 --> 01:26:31.880 in hold on, Kathleen, thank you dragon. Were there insufficient funds? 1085 01:26:33.960 --> 01:26:39.680 No? Because they let her withdraw last month up to five hundred dollars on 1086 01:26:39.840 --> 01:26:44.720 her over No, No, that's it. Hold on, Kathleen. I 1087 01:26:44.960 --> 01:26:48.000 just asked the question, did she have money in the account or not? 1088 01:26:50.119 --> 01:26:54.079 You know, I think she only had twenty five dollars. Okay, that's 1089 01:26:54.119 --> 01:26:59.159 what the problem is there. There's the suspicious activity. So that's what she 1090 01:26:59.279 --> 01:27:03.239 has draft I can no, Sorry, Kathleen, that's not an automatic loan. 1091 01:27:03.279 --> 01:27:05.880 They're allowed to shut down. I'm sorry. Nope, it's not for 1092 01:27:06.039 --> 01:27:17.079 intentional it's not for intentional withdrawals. It's not for intentional withdrawals. Overdraft protection 1093 01:27:17.840 --> 01:27:23.479 is when you make mistakes. I'm done, sorry, bye, Kathleen. 1094 01:27:23.640 --> 01:27:26.920 Sorry. Three oh three seven one three talks seven one three eight two five 1095 01:27:27.079 --> 01:27:35.479 five Go with a sure thing Denver's best roofer excel roofing dot com. You 1096 01:27:35.520 --> 01:27:43.520 don't pay a cent until you're content. Time for an insurance check up free, 1097 01:27:43.640 --> 01:27:46.640 no obligation. In comparison, call Compass Insurance. Pay too much your 1098 01:27:46.720 --> 01:27:50.760 coverage at dozens of insurance companies find out now three oh three seven to seven 1099 01:27:50.800 --> 01:27:55.560 to one help. You'll think you're his only customer when you choose Frank durand 1100 01:27:55.560 --> 01:28:00.439 the real estate man dot com to list your home with Remax Alliance three nine 1101 01:28:00.479 --> 01:28:06.079 two zero sixteen twenty two. Hi Tom Martinez here, three zho three seven 1102 01:28:06.159 --> 01:28:11.720 one three talk three oh three seven one three eight two five five you know 1103 01:28:12.760 --> 01:28:15.159 again, we want to talk to you, We want to help you, 1104 01:28:15.279 --> 01:28:18.760 but listen. If you're off base and full of crap, we're not going 1105 01:28:18.840 --> 01:28:21.880 to help you. I don't know, but at least you'll know you're off 1106 01:28:21.960 --> 01:28:27.680 base and full of crap. How about that? And I'm kidding a little. 1107 01:28:28.239 --> 01:28:30.399 I know you don't call here to be insulted or preached too. But 1108 01:28:31.039 --> 01:28:39.399 truly, over draft protection, let's examine that. It's not alone, it's 1109 01:28:39.439 --> 01:28:45.760 not overdraft protection is not a pre approved loan. Do you see the difference? 1110 01:28:46.520 --> 01:28:51.079 She was using it as a preapproved loan. It's not. It's not. 1111 01:28:53.119 --> 01:28:55.560 Every once in a while you write a check you don't have the money, 1112 01:28:55.880 --> 01:29:01.119 or they crisscross deposits withdrawals. It'll protect you. It's not meant to 1113 01:29:01.319 --> 01:29:09.239 be alone. And her mom went, knowing she had twenty five bucks in 1114 01:29:09.319 --> 01:29:16.119 the bank and try to withdraw rent three times. Well, okay, that 1115 01:29:16.479 --> 01:29:21.840 was suspicious in the eyes of Wells Fargo. Trust me, I'm not look 1116 01:29:21.840 --> 01:29:27.239 good. I know banks are exaggerating. A lot of banks are doing this 1117 01:29:27.399 --> 01:29:34.800 to people. They are closing accounts for so called suspicious activity, but then 1118 01:29:36.119 --> 01:29:41.119 they don't tell you what the suspicious activity was, and they don't give you 1119 01:29:41.239 --> 01:29:45.199 a way to remedy it, and they keep your money. But one thing 1120 01:29:45.279 --> 01:29:50.319 I didn't understand in her story. If she only had twenty five bucks and 1121 01:29:50.399 --> 01:29:58.239 the account was frozen for suspicious activity, then why did she say she had 1122 01:29:58.359 --> 01:30:01.399 more than one thousand dollars they were keeping. Did anyone pick up on that? 1123 01:30:02.359 --> 01:30:05.359 I meant to ask her that she's not still on the line. Is 1124 01:30:05.439 --> 01:30:12.520 she no okay? Because she said, well, my mom only had twenty 1125 01:30:12.600 --> 01:30:15.800 five dollars, she is back good. I want to ask that question because 1126 01:30:15.840 --> 01:30:20.880 I didn't understand that part. Kathleen. Here's the part they don't understand. 1127 01:30:21.520 --> 01:30:27.159 They froze her account because she tried to take withdrawals out with only twenty five 1128 01:30:27.239 --> 01:30:30.359 dollars in the account. But then you said, now she has one thousand 1129 01:30:30.439 --> 01:30:34.079 dollars in there, they won't let her get access to I don't understand. 1130 01:30:34.199 --> 01:30:39.359 How can it be both? That's that's what you asked, and they froze 1131 01:30:39.359 --> 01:30:42.880 it because of this fish sect you. Then they on froze it and allowed 1132 01:30:43.199 --> 01:30:45.800 the Social Security to send a check to the account while they do every month. 1133 01:30:46.159 --> 01:30:50.840 Oh and they said it's under reviewing. And my mother was this so 1134 01:30:50.920 --> 01:30:58.000 wait a minute. So after she tried, after she tried to get that 1135 01:30:58.199 --> 01:31:06.640 money from the ATM, Social Security deposited a check for seven dollars. Yeah, 1136 01:31:06.960 --> 01:31:12.439 every mindy did they say she can get that money? They said she 1137 01:31:12.600 --> 01:31:15.560 can't. Well, okay, she needs some money to pay our bills. 1138 01:31:15.640 --> 01:31:19.000 And we're like, oh, wait a minute. Okay, So they said, 1139 01:31:19.960 --> 01:31:23.800 Kathleen, I want to get this straight before I have somebody call. 1140 01:31:24.399 --> 01:31:30.039 Are you absolutely positive? They said she can never get her money? Yes, 1141 01:31:30.159 --> 01:31:32.920 or I can even give you. Even the banker Acoma City said this 1142 01:31:33.039 --> 01:31:36.039 is ridiculous. You need to release missus. Doc. Will you call this 1143 01:31:36.199 --> 01:31:41.720 banker? I mean, are you sure? They didn't say, Kathleen that 1144 01:31:41.840 --> 01:31:47.600 she could get the money after a review. No, they said that they 1145 01:31:47.800 --> 01:31:50.720 released it. They told the banker they released it, and then they changed 1146 01:31:50.720 --> 01:31:55.840 your mind and said no, only she brings her bills at her mortgage and 1147 01:31:55.960 --> 01:31:59.159 we'll send checks to her mortgage company. No, No, that's not good 1148 01:31:59.279 --> 01:32:01.359 enough. They should be able. She should be able to withdraw for any 1149 01:32:01.399 --> 01:32:05.439 reason she wants. They can't send them money. Why she said, that's 1150 01:32:05.520 --> 01:32:09.479 my money. I'm going to close my account. I don't further want to 1151 01:32:09.520 --> 01:32:12.520 be with this bank. I've been eight years with this bank, and they 1152 01:32:12.560 --> 01:32:15.239 said, no, we won't let you close your counties. You know, 1153 01:32:15.680 --> 01:32:19.159 Doc, Doc, can you get to the bottom. Doesn't sound right. 1154 01:32:19.239 --> 01:32:24.399 I'll call them Tom, Let's get to the bottom. Hold on, Kathleen. 1155 01:32:24.800 --> 01:32:29.199 Kathleen, I understand why they shut down the I do understand that part. 1156 01:32:29.239 --> 01:32:31.640 Okay, let's not even argue about that, Doc. They shut it 1157 01:32:31.720 --> 01:32:38.039 down for suspicious activity. Here is the main problem, okay, is why 1158 01:32:38.159 --> 01:32:43.600 they won't let her have access to the thousand dollars that was deposited by Social 1159 01:32:43.680 --> 01:32:48.680 Security. That there is no excuse for Wells Fargo keeping one thousand dollars of 1160 01:32:48.760 --> 01:32:54.600 this woman's money. Absolutely, I don't know I don't know if she's exaggerating 1161 01:32:55.199 --> 01:33:01.319 when she says they refuse. I don't know anyway. Three oh three seven 1162 01:33:01.439 --> 01:33:06.000 one three Talk three oh three seven one three eight two five five. Brad 1163 01:33:06.039 --> 01:33:09.479 O'Brien coming up. I want to talk about this. I got a text 1164 01:33:09.560 --> 01:33:12.000 on it if you want to weigh in on it. But I'm going to 1165 01:33:12.039 --> 01:33:18.520 ask you just first. Have you had any people contact you since this just 1166 01:33:18.960 --> 01:33:24.119 cause law went into effect? The just cause? Do you know what I'm 1167 01:33:24.119 --> 01:33:27.439 talking about? Sure? Okay? Have you had any cases? Whether are 1168 01:33:27.439 --> 01:33:30.720 people asking about it? It hasn't really started up just yet, but I'm 1169 01:33:30.760 --> 01:33:33.760 sure it will be coming. Yeah. I want to clarify what it means 1170 01:33:33.840 --> 01:33:38.159 and what it doesn't mean. Coming up, I'm Tom Martine three oh three 1171 01:33:38.800 --> 01:33:42.960 seven to one three Talk three oh three seven one three eight two five five. 1172 01:33:47.319 --> 01:33:51.359 Go with a sure thing Denver's Best Roofer Excel roofing dot com. You 1173 01:33:51.399 --> 01:33:59.399 don't pay a cent until you're content. Time for an insurance check up free, 1174 01:33:59.520 --> 01:34:03.640 no obligate comparison call Compass Insurance paying too much your coverage at dozens of 1175 01:34:03.720 --> 01:34:08.239 insurance companies find out now three all three seven to seven to one. Help 1176 01:34:08.439 --> 01:34:12.199 You'll think you're his only customer when you choose Frank durand the real estate man 1177 01:34:12.319 --> 01:34:15.760 dot Com to list your home with Remax Alliance three all three nine two zero 1178 01:34:15.880 --> 01:34:24.239 sixteen twenty two. Hi Tom Martine, your troubleshooter. Renew Home Innovations will 1179 01:34:24.279 --> 01:34:28.880 do beautiful bathrooms, shower to tub conversions, I mean tub to shower. 1180 01:34:29.880 --> 01:34:33.079 They have beautiful tub to shower conversions, getting rid of that old ugly tub 1181 01:34:33.199 --> 01:34:38.680 shower combo. And these are made for your movements, custom made if you 1182 01:34:38.760 --> 01:34:44.159 want, and they have lifetime warranties on these wall systems that never need maintenance. 1183 01:34:44.840 --> 01:34:47.920 No shower doors, no thresholds, perimeter drains, benches, soap dishes. 1184 01:34:48.079 --> 01:34:53.239 They're beautiful at great prices with seventy two months to pay no interest. 1185 01:34:53.920 --> 01:34:59.720 That's three oh three nine zero four two thousand. That's married seventy two months 1186 01:34:59.720 --> 01:35:01.840 to pay with no interest. Three h three nine zero four two thousand. 1187 01:35:01.920 --> 01:35:05.159 Welcome to the show, folks. We have plenty of times for calls. 1188 01:35:05.199 --> 01:35:11.359 We've been taken at three oh three seven one three talk three oh three seven 1189 01:35:11.439 --> 01:35:15.119 one three eight two five five. So I was casually looking back on my 1190 01:35:15.279 --> 01:35:21.760 calls, and we've had more than a few of banks shutting down your account 1191 01:35:23.399 --> 01:35:29.199 for so called suspicious activity. Now, there might be suspicious activity here and 1192 01:35:29.279 --> 01:35:32.600 there right there might be let's say someone did try to hit your ATM, 1193 01:35:33.159 --> 01:35:41.760 or let's say something online was suspicious or whatever. I can see no circumstance, 1194 01:35:41.920 --> 01:35:45.720 and I wish if someone is in banking or financing, can they weigh 1195 01:35:45.800 --> 01:35:54.439 in on this please. I can think of no circumstance where the owner of 1196 01:35:54.600 --> 01:36:02.720 the account cannot go into a bank with identification, close the account and take 1197 01:36:02.760 --> 01:36:12.159 the money. Why under what circumstance could you see a bank not allowing that? 1198 01:36:14.039 --> 01:36:19.479 Where Why even if there was suspicious activity, Brad, you're an attorney 1199 01:36:19.560 --> 01:36:25.319 again, I mean, I'm curious if you haven't accounted a bank and they 1200 01:36:25.399 --> 01:36:27.439 say, oh, you know, Brad, somebody tried to hit up your 1201 01:36:27.479 --> 01:36:30.680 ATM, or somebody tried to use this or that or your debit card online 1202 01:36:31.359 --> 01:36:34.920 and we shut down and we froze your account. Okay, fine, Now 1203 01:36:35.039 --> 01:36:39.640 you go to the bank and you say, you know what, You're right, 1204 01:36:39.760 --> 01:36:43.640 there might have been some suspicious activity, but you know, I really 1205 01:36:43.800 --> 01:36:47.640 don't want to wait for an investigation or everything. And here's my ID since 1206 01:36:47.720 --> 01:36:51.680 that is my money. It was just deposited the other day by SoC social 1207 01:36:53.199 --> 01:36:58.279 social security or whatever. I'd like to just close the account. Can you 1208 01:36:58.399 --> 01:37:00.439 think of a reason why the bank was that you can't close it? Are 1209 01:37:00.520 --> 01:37:03.840 they afraid more withdrawals might come in on it or what? What do you 1210 01:37:03.960 --> 01:37:09.079 think? Well, if they haven't resolved the security situation, they're not sure 1211 01:37:09.119 --> 01:37:13.880 if if you're the right person to receive the money. But if you were 1212 01:37:13.920 --> 01:37:15.600 the one that opened it and they have your ID and all that on file, 1213 01:37:15.720 --> 01:37:19.319 or they have your signature and you go in with proper ID and your 1214 01:37:19.399 --> 01:37:23.880 signature and all that, you should be able to close that account. So 1215 01:37:24.039 --> 01:37:28.319 they must be saying, before we let you have the money, we want 1216 01:37:28.359 --> 01:37:31.760 to make sure that you or someone else did not hit up your account for 1217 01:37:31.840 --> 01:37:35.520 more money. Yeah, sounds like something that is an issue with a larger 1218 01:37:35.560 --> 01:37:40.079 bank that has different departments, and so maybe when the account gets frozen, 1219 01:37:40.119 --> 01:37:42.960 it goes to a certain department that has to look at it, and it's 1220 01:37:43.000 --> 01:37:45.720 kind of stuck in that department until they get to the bottom of it. 1221 01:37:45.640 --> 01:37:48.680 But I've been hearing about this more and more, and I think what it 1222 01:37:48.880 --> 01:37:57.600 is. I think their automatic algorithms are something that trigger what they consider suspicious 1223 01:37:57.680 --> 01:38:03.239 activity. The problem is is they don't tell you exactly what the suspicious activity 1224 01:38:03.359 --> 01:38:10.000 was. They just said, we've had suspicious activity and we're freezing your account. 1225 01:38:10.279 --> 01:38:14.720 I'm gonna tell you, Brad, We've had at least seven or eight 1226 01:38:14.840 --> 01:38:16.960 calls on this. I mean, it's not a small thing, and people, 1227 01:38:17.079 --> 01:38:21.319 some people have been waiting three months to get their money. I just 1228 01:38:21.479 --> 01:38:26.279 think it's it's horrendous. And where does this money sit? I mean, 1229 01:38:26.439 --> 01:38:29.680 is the money? Is the bank making money off that money, just letting 1230 01:38:29.760 --> 01:38:33.520 us sit there. I don't think the bank is consciously saying at their in 1231 01:38:33.600 --> 01:38:36.920 their meetings, hey let's freeze a bunch of accounts that we can make more 1232 01:38:38.000 --> 01:38:40.640 interest on them, you know, so they can't pull their money out. 1233 01:38:40.880 --> 01:38:46.800 I doubt there's a conspiracy going on, but there's definitely something going on that's 1234 01:38:46.840 --> 01:38:50.920 not fair. It's just not fair. They have to have a more expedited 1235 01:38:51.000 --> 01:38:55.199 process. In my opinion, if you're going to freeze my money for an 1236 01:38:55.279 --> 01:39:00.159 investigation, then I think you have an obligation to do it quickly. I 1237 01:39:00.399 --> 01:39:02.359 don't know why they would wait three months? Do you can? You think 1238 01:39:02.479 --> 01:39:09.000 it just sounds like bureaucracy, and yeah, exactly, requirement exactly. Anyway, 1239 01:39:09.079 --> 01:39:11.880 if anybody has had this situation, I'd like to hear from you, 1240 01:39:12.399 --> 01:39:15.800 because it is happening all over the country. Okay, Jeff your turn. 1241 01:39:15.960 --> 01:39:18.399 What's going on? Jeff? Hey, Tom, how are you, good 1242 01:39:18.479 --> 01:39:23.960 man? What's going on? So? I called yesterday. I was asking 1243 01:39:24.119 --> 01:39:29.279 Mark about public adjusters for a roof damage that was happened during that last tale 1244 01:39:29.359 --> 01:39:34.239 storm up here in north and that's thort. Yeah, and I just want 1245 01:39:34.279 --> 01:39:41.199 to know what your opinion of you one will think. I don't think there's 1246 01:39:41.239 --> 01:39:45.079 a downside if you have an honest one, there's no downside because if you 1247 01:39:45.279 --> 01:39:50.399 call an insurance adjuster a public adjuster, by the way, they're called public 1248 01:39:50.479 --> 01:39:54.680 because they work for you, and what they do is they look through your 1249 01:39:54.760 --> 01:40:00.039 insurance policy for look for reasons things should be covered. Where As an insurance 1250 01:40:00.039 --> 01:40:04.239 adjuster who works for the insurance company, not a public adjuster, but an 1251 01:40:04.279 --> 01:40:09.920 insurance adjuster. They even call them sometimes independent adjusters, but they work for 1252 01:40:09.960 --> 01:40:15.439 the insurance company. Their job is to look at your policy and find ways 1253 01:40:15.560 --> 01:40:18.600 not to pay. So that's the difference. The public adjuster is looking for 1254 01:40:18.720 --> 01:40:24.119 ways to pay the insurance adjuster is looking for reasons they should not pay. 1255 01:40:24.399 --> 01:40:31.880 Now, here's what happens with a public adjuster. If they're honest, they're 1256 01:40:31.920 --> 01:40:35.960 going to say to you, hey, Jeff, this claim is small. 1257 01:40:38.239 --> 01:40:41.760 Put a claim in with your insurance. See what they are for you before 1258 01:40:41.840 --> 01:40:45.800 you hire me. You may not need me. That's what an honest adjuster 1259 01:40:45.960 --> 01:40:49.319 does. In fact, what I would do in all cases, what I 1260 01:40:49.399 --> 01:40:56.279 would do personally is simply put in a claim first, and then if I 1261 01:40:56.520 --> 01:41:01.760 feel they're holding back or not being I'm not being treated fairly, or I 1262 01:41:01.800 --> 01:41:05.520 would have an adjuster look at it no matter what. And then a good 1263 01:41:05.600 --> 01:41:10.319 public adjuster won't charge you for that. They'll look at you and say, 1264 01:41:10.880 --> 01:41:14.359 you know, Jeff, you have a lot more money coming in my opinion, 1265 01:41:14.760 --> 01:41:17.319 and then they take a small percentage of the extra. That's the way 1266 01:41:17.399 --> 01:41:23.159 I would handle it. I would get my first blush offer from my insurance 1267 01:41:23.239 --> 01:41:29.319 company, then hire a public adjuster. If there are any kinds of other 1268 01:41:29.439 --> 01:41:33.239 things involved, I would hire like a big loss and just have them look 1269 01:41:33.319 --> 01:41:40.279 at it. It doesn't cost you anything for an honest public adjuster like Paragon 1270 01:41:40.399 --> 01:41:45.600 Services to look at a claim and to see if they can do better. 1271 01:41:45.880 --> 01:41:53.479 Okay, okay, So, and it's more obvious to use a public adjuster 1272 01:41:54.159 --> 01:41:59.920 as you get multi items not just the roof, you know, like multiie 1273 01:42:00.319 --> 01:42:03.039 or it's a messy, messy storm. Do you have any insurance damage right 1274 01:42:03.079 --> 01:42:09.199 now? Well, I've already had Excel out to look at my roof and 1275 01:42:09.560 --> 01:42:13.840 he's he They said that there was definitely damage to the roof and there's also 1276 01:42:13.960 --> 01:42:18.760 some damage to my windows. The windows weren't necessarily broken, but the shields 1277 01:42:18.840 --> 01:42:23.800 around them have been shattered by some of the What I would do is then 1278 01:42:24.000 --> 01:42:27.960 I would call and have them look because a good public adjuster will not charge 1279 01:42:28.000 --> 01:42:30.399 you for looking at your claim. Okay, that's what I would do. 1280 01:42:30.600 --> 01:42:34.359 Okay. Three oh three And by the way, uh Paragon services you can 1281 01:42:34.399 --> 01:42:39.600 find at referrals dot com three O three seven one three eight two five five 1282 01:42:45.039 --> 01:42:48.039 go with a sure thing Denver's Best roof of Excel roofing dot com. You 1283 01:42:48.119 --> 01:42:56.119 don't pay a cent until you're content. Time for an insurance check up free, 1284 01:42:56.239 --> 01:43:00.239 no obligation. In comparison, call Compass Insurance. Pay too much your 1285 01:43:00.319 --> 01:43:03.399 coverage at dozens of insurance companies find out now three all three seven seven to 1286 01:43:03.439 --> 01:43:08.159 one. Help. You'll think you're his only customer when you choose Frank durand 1287 01:43:08.159 --> 01:43:12.560 the real estate man dot Com to list your home with Remax Alliance three all 1288 01:43:12.640 --> 01:43:19.680 three nine two zero sixteen twenty two. Hey, I'm Tom Martine. You're 1289 01:43:19.880 --> 01:43:26.079 troubleshooter three all three seven one three talk seven one three eight two five five 1290 01:43:26.680 --> 01:43:32.920 hector, what is going on with Wells Fargo? Another problem here? Go 1291 01:43:33.039 --> 01:43:38.079 ahead? Okay, Well, the whole situation started and I wanted to get 1292 01:43:38.119 --> 01:43:42.880 a new furnace and a new uh AC installed about three years ago. Yeah, 1293 01:43:43.159 --> 01:43:45.119 and uh I called six to twenty four to seven because I used them 1294 01:43:45.199 --> 01:43:49.680 on my cleaning of the furnace and the Yeah, pretty much the furnace at 1295 01:43:49.720 --> 01:43:53.960 the time, and everything was good. I mean, I'd like to work 1296 01:43:54.000 --> 01:43:57.359 and everything, but I got I told him I wanted to install it, 1297 01:43:57.439 --> 01:44:00.359 and I wanted to get a quote, and I you know you, I 1298 01:44:00.439 --> 01:44:02.319 don't have sixteen thousand dollars in my pocket. But anyway, they gave me 1299 01:44:02.439 --> 01:44:08.880 a quote, and they gave me a program that I guess Wells Fargo was 1300 01:44:08.920 --> 01:44:14.960 the one person that would take the the the cost and I guess through twenty 1301 01:44:14.960 --> 01:44:16.840 four to seven. Uh, I got it. It's kind of like a 1302 01:44:17.159 --> 01:44:25.920 repair home repair only card or yeah, okay, And so I paid it 1303 01:44:25.960 --> 01:44:30.479 off last year and I've had to call. How much was the total on 1304 01:44:30.600 --> 01:44:39.319 your card? I think it was eleven and that was that was for a 1305 01:44:39.399 --> 01:44:45.399 new HVAC system. Yeah, well it was a I'd never had a AC 1306 01:44:45.319 --> 01:44:48.039 and and that's why I only had a swamp cooler. But they when they 1307 01:44:48.199 --> 01:44:54.439 replaced the furnace, I had them do the both central air and the furnace. 1308 01:44:55.199 --> 01:44:57.840 Well that's a pretty good that's a pretty good price for a new install 1309 01:44:57.960 --> 01:45:00.279 like that. Anyway, So what happened. So anyway, they gave me 1310 01:45:00.359 --> 01:45:04.840 a card and they said it was for new home projects. And then they 1311 01:45:05.159 --> 01:45:10.039 told me, okay, now that you pay it off, you got you 1312 01:45:10.199 --> 01:45:14.760 got twelve five hundred, but you can use But I'm trying to get rid 1313 01:45:14.800 --> 01:45:17.640 of the card because I can't use it anyware. Tell you you okay, 1314 01:45:17.760 --> 01:45:20.880 hold on and let's come back and talk about this. This is a good 1315 01:45:20.960 --> 01:45:24.479 topic, by the way, Thank you. And then I have a few 1316 01:45:24.600 --> 01:45:30.279 questions for Brad O'Brien O'Brien Legal Services about the new just Cause lease and also 1317 01:45:30.840 --> 01:45:36.439 unrelated parties living in the same place, renting, and other kinds of legislation 1318 01:45:36.640 --> 01:45:41.479 affecting renters. All that coming up on the Troubleshooter Show. Go with a 1319 01:45:41.600 --> 01:45:45.880 sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent 1320 01:45:45.119 --> 01:45:54.560 until you're content. Time for an insurance checkup free no obligation comparison call Compass 1321 01:45:54.640 --> 01:45:59.279 Insurance paying too much your coverage at dozens of insurance companies find out now three 1322 01:45:59.319 --> 01:46:01.399 oh three, seven and seven to one help. You'll think you're his only 1323 01:46:01.520 --> 01:46:05.319 customer when you choose Frank durand the real estate Man dot com to list your 1324 01:46:05.399 --> 01:46:11.640 home with Remax Alliance three oh three nine two zero sixteen twenty two. Yeah, 1325 01:46:15.119 --> 01:46:25.319 ripped news need advis so you don't have come running. Just as fast 1326 01:46:25.359 --> 01:46:31.560 as we can. Shooter's gonna help. Come man, This is the Troubleshooter 1327 01:46:31.720 --> 01:46:38.600 Show. Now Tom Martino, Hi, Tom Martino here, Welcome to the 1328 01:46:38.640 --> 01:46:42.640 show. Three O three seven one three talk is our number three oh three 1329 01:46:42.720 --> 01:46:45.800 seven one three eight two five five And I can't tell you enough. Please 1330 01:46:45.960 --> 01:46:50.119 call, please, please, please please call when you need help. Twenty 1331 01:46:50.199 --> 01:46:57.680 four to seven. Three oh three Martino three oh three six two seven eight 1332 01:46:57.760 --> 01:47:00.000 four six six. This hour brought to you by Grossman Wellness dot Com. 1333 01:47:00.119 --> 01:47:02.720 I just went there the other day for blood work. Every three months, 1334 01:47:02.760 --> 01:47:09.720 I get blood work plus prescriptions and supplements. It's all included. And by 1335 01:47:09.760 --> 01:47:13.039 the way, if you ever want to get started, two hundred and forty 1336 01:47:13.119 --> 01:47:15.960 nine bucks to just see where you stand, no obligation to continue. It's 1337 01:47:16.039 --> 01:47:20.560 a concierge service. It's being very proactive with your health. You oughtit and 1338 01:47:20.960 --> 01:47:24.199 you know, look into it. For two forty nine you get the blood 1339 01:47:24.239 --> 01:47:28.800 work, consultation and all of the information you need to see if you want 1340 01:47:28.840 --> 01:47:32.640 to do something like that. Grossmanwellness dot Com Welcome. So anyway, we 1341 01:47:32.720 --> 01:47:43.520 were talking to Hector and about an HVAC account and a credit card, and 1342 01:47:43.800 --> 01:47:47.399 he financed an HVAC system on this Wells Fargo card and paid it off. 1343 01:47:49.079 --> 01:47:54.680 So that's where we left off the story. Go ahead, Hector, Yeah, 1344 01:47:54.720 --> 01:47:58.520 I guess my question was I can't really use the card for any other 1345 01:47:58.680 --> 01:48:02.079 home projects other than if I replaced all the windows or something to that extreme. 1346 01:48:02.960 --> 01:48:06.159 And I called them out here, well is there any charge to keep 1347 01:48:06.239 --> 01:48:12.520 it? No? But I just don't want to. I can I can 1348 01:48:12.600 --> 01:48:15.479 cut it up, but it doesn't that going your credit before though, that 1349 01:48:15.560 --> 01:48:20.039 it's revolving account. Actually it's a good thing, not a bad thing. 1350 01:48:20.640 --> 01:48:25.880 If you paid it off. It's actually better for your credit to leave it 1351 01:48:26.079 --> 01:48:30.479 inactive than it is to close it. If you close it, you have 1352 01:48:30.680 --> 01:48:38.960 less credit available, and so therefore any credit you use is a bigger percentage 1353 01:48:39.560 --> 01:48:43.600 of the credit you have. Let me explain that. You know what I'm 1354 01:48:43.640 --> 01:48:46.279 saying. So, so let's just say you have five cards available and you 1355 01:48:46.399 --> 01:48:50.279 have a ten thousand dollars limit on each one. That would mean a total 1356 01:48:50.479 --> 01:48:57.520 credit, a total credit line of fifty thousand dollars. Okay, let's just 1357 01:48:57.600 --> 01:49:01.239 say you had five cards ten thousand each fifty thousand, and if you spend 1358 01:49:01.359 --> 01:49:06.640 twenty five thousand and we're making payments on it, that would show fifty percent 1359 01:49:08.279 --> 01:49:15.279 usage. Fifty percent usage of your credit line, and that is not bad 1360 01:49:15.880 --> 01:49:18.560 usage. However, well it might be a little high. But let's say 1361 01:49:18.960 --> 01:49:26.119 instead of five cards, you only had three cards and you had thirty thousand 1362 01:49:26.159 --> 01:49:30.760 dollars total, and you had that same twenty five thousand dollars balance. That 1363 01:49:30.880 --> 01:49:36.600 would show an excessive use of credit. So credit a credit score is not 1364 01:49:38.039 --> 01:49:45.640 just your payment activity, but it's the percentage of credit that you use. 1365 01:49:45.159 --> 01:49:51.239 So having that there that account and keeping that card at home in a say 1366 01:49:51.439 --> 01:49:57.920 for shredding it or whatever is not going to hurt you. Well. That 1367 01:49:58.119 --> 01:50:01.239 was one of my main concerns was that having to having to make you know, 1368 01:50:01.439 --> 01:50:04.439 people have too many cards sometimes and that shows that you've got a lot 1369 01:50:04.479 --> 01:50:09.079 of debt sometimes no no, I hey, but but listen, hector, 1370 01:50:09.359 --> 01:50:13.199 it doesn't work that way anymore. Now, what they look at is not 1371 01:50:13.600 --> 01:50:19.960 just they look at the percentage of credit used on a monthly basis not so 1372 01:50:20.600 --> 01:50:26.920 they don't care how many cards you have. It's how many you use and 1373 01:50:27.119 --> 01:50:30.720 pay off that counts. If you use too many of them, even if 1374 01:50:30.760 --> 01:50:36.520 you pay them off, it's showing too much utilization and that's a negative. 1375 01:50:38.119 --> 01:50:42.880 But if you only use up till I say twenty or thirty percent utilization, 1376 01:50:43.600 --> 01:50:48.279 it's it counts higher in your total FICO. Does that make sense, Yeah, 1377 01:50:48.319 --> 01:50:51.640 because my credit was a shot up pretty good. So it's just about 1378 01:50:51.800 --> 01:50:56.640 seven fifty five, So it's gonna it's gonna actually help you. Man, 1379 01:50:56.880 --> 01:51:00.319 It's by right, and you know, there's nothing wrong with keep it for 1380 01:51:00.439 --> 01:51:04.000 emergencies. Right, well, the question was I had I wanted to do 1381 01:51:04.119 --> 01:51:09.279 some more projects, but nobody accepts that card. Oh wait, wait wait, 1382 01:51:09.840 --> 01:51:13.319 what do you mean accepts it? So what kind of is it a 1383 01:51:13.479 --> 01:51:18.159 visa or MasterCard based or what? It's neither? Oh? Home, it's 1384 01:51:18.199 --> 01:51:23.199 a home repair card that they gave me when I signed up with six twenty 1385 01:51:23.239 --> 01:51:26.439 four to seven to a home repair card. I've never heard of it. 1386 01:51:26.560 --> 01:51:30.760 Actually, I thought it was just like a regular card. No, oh 1387 01:51:30.920 --> 01:51:32.520 no, no, no, it's a It's not a visa because I even 1388 01:51:32.560 --> 01:51:36.239 went to the other banks like West West Era and they told me, well, 1389 01:51:36.239 --> 01:51:40.399 if it doesn't say visa or MasterCard, I don't know what kind of 1390 01:51:40.479 --> 01:51:44.159 car. See, okay, what company? I'm just reading this now. 1391 01:51:44.279 --> 01:51:51.399 It's called a Home Projects credit card? Right, Okay, I see, 1392 01:51:51.960 --> 01:51:58.960 so the Home Project's credit card provides homeowners. Oh with a okay that this 1393 01:51:59.119 --> 01:52:00.960 is a weird one. I know ever heard about this card before? But 1394 01:52:01.119 --> 01:52:06.479 they say many home improvement stores like Low's, and I believe there's a bunch 1395 01:52:06.560 --> 01:52:11.920 of them that take it. Well, you know, I called the home 1396 01:52:12.000 --> 01:52:15.279 depot and they said they will take it. But then they called Wells Fargo 1397 01:52:15.920 --> 01:52:19.199 and Wells Fargo said that I could only use the people on their list. 1398 01:52:19.960 --> 01:52:26.479 Oh okay, I get it. But all the people that Wells Fargo has 1399 01:52:26.520 --> 01:52:30.199 on their list are brand new window installations and brand new doors installing. Well 1400 01:52:30.239 --> 01:52:34.640 they have heating and cooling. They have furniture stores. I'm looking at it 1401 01:52:34.760 --> 01:52:42.239 right here. They have roofing and siding companies. They have flooring companies, 1402 01:52:43.239 --> 01:52:46.119 but window and door company. Do you know why, I'll tell you why, 1403 01:52:46.239 --> 01:52:50.560 hector because they probably pay a discount. So, in other words, 1404 01:52:50.960 --> 01:52:56.600 merchants may not want to be part of it. It's like with all credit 1405 01:52:56.680 --> 01:53:00.560 cards. For example, if you charge something that's a thousand dollars, the 1406 01:53:00.680 --> 01:53:06.159 retailer may only get you know, nine and eighty bucks or something. There 1407 01:53:06.239 --> 01:53:10.800 might be a discount, and they might be that that's how they make their 1408 01:53:10.880 --> 01:53:14.119 money. Yeah, I got a whole bunch of I got the list, 1409 01:53:14.159 --> 01:53:15.920 and I went down the list, and I will say I need a couple 1410 01:53:15.960 --> 01:53:19.800 of storm doors replaced and a window in the bathroom replaced with you you know, 1411 01:53:20.479 --> 01:53:24.199 And so they said, okay, we'll come out and take a look 1412 01:53:24.239 --> 01:53:26.319 at it. And then when they got here, I mean I got a 1413 01:53:26.520 --> 01:53:30.319 sales for the windows all the way around the house, and you know, 1414 01:53:30.840 --> 01:53:32.520 about an hour of talking to somebody, I said, I just need a 1415 01:53:33.720 --> 01:53:36.279 look at the promise here. I just need a Yeah, they're all trying 1416 01:53:36.319 --> 01:53:41.600 to make this into like a lead generation tool. What do you pay? 1417 01:53:41.760 --> 01:53:45.079 What interest do you pay on the Wells Fargo card? None? Because I 1418 01:53:45.159 --> 01:53:47.600 paid it off and I'm not using it and I'm banking with it. No, 1419 01:53:47.720 --> 01:53:51.640 But I'm asking what is the normal interest? Is there an interest rate? 1420 01:53:51.800 --> 01:53:57.159 Or is it so much time to pay with no interest? Well, 1421 01:53:57.199 --> 01:54:00.000 it was seven point ninety nine I think it was when I had my furnace 1422 01:54:00.079 --> 01:54:06.039 and a Okay, okay, but it doesn't cost you anything to just keep 1423 01:54:06.079 --> 01:54:11.560 the card. There's no annual fear or anything though. Okay, is there 1424 01:54:11.600 --> 01:54:14.760 a balance on it? Its just as you have twelve thousand if I wanted 1425 01:54:14.800 --> 01:54:18.560 it available for home repairs. But like I said, it's worth us because 1426 01:54:18.560 --> 01:54:23.680 I really can't use it anywhere I've already Well, the short answer is it's 1427 01:54:23.720 --> 01:54:25.800 not going to hurt you. But thank you very much because that was a 1428 01:54:25.920 --> 01:54:28.680 very interesting call. By the way, Dave's got a comment on this. 1429 01:54:28.800 --> 01:54:31.039 Go ahead, Dave. What's your comment? Hey, Tom, how are 1430 01:54:31.039 --> 01:54:35.039 you doing today. Good Dave, what's going on? It's pretty odd because 1431 01:54:35.039 --> 01:54:41.279 I just went through the same thing yesterday. I had ac and a furnace 1432 01:54:41.359 --> 01:54:45.920 down the year and a half ago. Yeah, a little little plug Plumbline 1433 01:54:45.920 --> 01:54:49.560 did a great job for me. Good, So Plumbline uses it too, 1434 01:54:50.640 --> 01:54:55.680 Yeah, And it was was fort of carrier. The way the car is 1435 01:54:55.760 --> 01:55:02.439 listed came on a Wells Fargo payper work cards, his cards, his carrier 1436 01:55:02.600 --> 01:55:08.640 on it, right, and then you have your account number, but there's 1437 01:55:09.159 --> 01:55:14.359 there's no expiration date on it, no pin, no nothing along those lines. 1438 01:55:14.880 --> 01:55:17.920 Yeah, but can you can you reuse it? Well? I tried 1439 01:55:18.079 --> 01:55:29.039 yesterday to do another plumbing repair. Yeah, and again with plumb Line, 1440 01:55:29.640 --> 01:55:31.880 right, And I said, can I put this on the card? And 1441 01:55:32.079 --> 01:55:34.920 he said, well, let's see. And then he looked at the card. 1442 01:55:35.000 --> 01:55:38.640 He said, well, there's no expiration date on it. I can't 1443 01:55:38.760 --> 01:55:44.239 use it. Why because he can't use it like a regular credit card, 1444 01:55:45.079 --> 01:55:48.399 right, And there's a there's a magnetic strip on the back of it, 1445 01:55:48.560 --> 01:55:51.079 but there was no way that he could input it. Well, are you 1446 01:55:51.239 --> 01:55:55.720 a parent? Let me ask you this? Sure? Can you call them? 1447 01:55:55.920 --> 01:56:00.479 Well, maybe this account is revolving somehow. Well, That's that's where 1448 01:56:00.520 --> 01:56:04.640 it gets steeper. I called after a paid plumb line. They got out 1449 01:56:04.680 --> 01:56:10.000 of here right in the excellent job. So I called Wells Fargo. I 1450 01:56:10.079 --> 01:56:13.199 said, what's up with this card? I said, I had, you 1451 01:56:13.239 --> 01:56:16.399 know, it's kind of right and a half nineteen and a half thousand dollars 1452 01:56:16.520 --> 01:56:19.720 credit limit on it. How long? How long did it? Did you 1453 01:56:19.840 --> 01:56:25.079 pay off your HVAC? Yes? I did, okay, And so what 1454 01:56:25.199 --> 01:56:30.399 did Wells Fargo say? They said, well, we closed the account because 1455 01:56:30.479 --> 01:56:33.960 of inactivity. Oh oh, oh, oh oh. How long had it 1456 01:56:34.039 --> 01:56:40.359 been inactive? Well, probably right out a year? Yeah, but you 1457 01:56:40.479 --> 01:56:45.079 were already paying on your HVAC. But was it totally inactive for a year 1458 01:56:45.159 --> 01:56:49.279 or were you still paying back the hvac. The HVAC was paid off within 1459 01:56:49.359 --> 01:56:54.399 the first six months. Oh okay, that's why, so they icee. 1460 01:56:54.600 --> 01:56:58.399 So they closed it automatically, is what you're saying, right, with no 1461 01:56:58.600 --> 01:57:03.279 notification, nothing, then mail saying you know, use this, but I 1462 01:57:03.359 --> 01:57:08.399 get it. Just thought it was kind of odd. And when I called 1463 01:57:08.439 --> 01:57:11.960 them, they just I said, can I reinstate this? They said, 1464 01:57:12.079 --> 01:57:15.399 no, we closed it in March. The only thing you can do is 1465 01:57:15.479 --> 01:57:20.159 reapply. Yeah, well, oh, well, you know what, it's 1466 01:57:20.239 --> 01:57:24.399 not the great It's not a bad thing, but it's not the greatest. 1467 01:57:25.239 --> 01:57:28.720 What were you going to use it for? I was going to use it 1468 01:57:28.840 --> 01:57:35.239 on the the plumbing repair that I was having done yesterday. Well it was 1469 01:57:35.319 --> 01:57:41.600 still and it was still with the same same company with plumb line. What 1470 01:57:41.680 --> 01:57:45.319 do you need done? Well, I just had to have a drain cleared 1471 01:57:45.399 --> 01:57:48.399 out. Okay, they got here, they got it taken care of. 1472 01:57:48.520 --> 01:57:54.720 It was yeah, that's only ninety three for that's what they start drain clearing. 1473 01:57:54.760 --> 01:57:57.880 It just ninety three or it's free they call it, So that's not 1474 01:57:58.000 --> 01:58:02.359 go costs. Like I was saying, I was just I head to card. 1475 01:58:02.439 --> 01:58:04.720 I think I'd give it a try. Oh, I see what you're 1476 01:58:04.720 --> 01:58:08.720 saying. Yeah, but they don't. It's not meant to be a regular 1477 01:58:08.800 --> 01:58:12.159 credit card though, it's a project card. Thank you very much for calling 1478 01:58:12.319 --> 01:58:15.039 and three o three seven one three eight two five five We got more coming 1479 01:58:15.119 --> 01:58:18.239 up. I want to tell you about Compass Insurance still doing insurance checkups to 1480 01:58:18.319 --> 01:58:23.640 make sure you're not paying too much or you're not under insured. That's three 1481 01:58:23.720 --> 01:58:32.520 oh three nine nine six nine thousand, go with a sure thing Denver's best 1482 01:58:32.640 --> 01:58:41.239 roofer Excel Roofing dot com. You don't pay a cent until you're content time 1483 01:58:41.279 --> 01:58:45.720 for an insurance checkup free, no obligation. In comparison, call Compass Insurance 1484 01:58:45.920 --> 01:58:49.039 paying too much your coverage at dozens of insurance companies find out now three oh 1485 01:58:49.079 --> 01:58:53.520 three, seven to seven to one help. You'll think you're his only customer 1486 01:58:53.600 --> 01:58:57.199 when you choose Frank durand the real estate Man dot com to list your home 1487 01:58:57.439 --> 01:59:05.319 with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom 1488 01:59:05.399 --> 01:59:14.640 Martino here three zero three seven to one three talk seven one three eight two 1489 01:59:14.960 --> 01:59:23.079 five five. Glenn's got a comment on these home repair cards that the guy 1490 01:59:23.239 --> 01:59:27.159 just called about. Go ahead, Glenn. Yeah, So I actually, 1491 01:59:27.359 --> 01:59:31.760 uh had a small eating company, and uh we use Synchrony Provincial for consumer 1492 01:59:31.880 --> 01:59:38.079 credit processing on that and they generally have deals like low fixed interest for a 1493 01:59:38.159 --> 01:59:44.359 length of time or indefinitey uh no prepayment penalty. They also do like six 1494 01:59:44.479 --> 01:59:53.319 months cash. Isn't Synchrony. Isn't Synchrony the same as Amazon's bank, you 1495 01:59:53.399 --> 01:59:55.880 know, I think it might have been for a while. I think they 1496 01:59:55.960 --> 01:59:57.880 got a city bank or somebody over there. Too, you know. But 1497 01:59:58.680 --> 02:00:04.520 but Synchrony does a lot this consumer financing with promotional deals, and it's actually 1498 02:00:04.600 --> 02:00:08.640 really a nice plan. I mean, I got people that can't afford stuff 1499 02:00:08.720 --> 02:00:12.239 using I've got people that can't afford stuff using it. And it costs us 1500 02:00:13.279 --> 02:00:16.319 money, is the dirty little secret. So somewhere along the line it usually 1501 02:00:16.399 --> 02:00:20.560 makes everybody's sales numbers go up a little bit to pay for that. But 1502 02:00:21.920 --> 02:00:25.079 it's wonderful for the client if they can, you know, go out and 1503 02:00:25.159 --> 02:00:28.680 drop twenty thousand dollars on a nice new system somewhere or ten or two or 1504 02:00:28.720 --> 02:00:31.119 whatever they got. Okay, so so they do pay you a discount, 1505 02:00:31.239 --> 02:00:35.840 right, you have to pay, You get a discounted amount. We get 1506 02:00:35.880 --> 02:00:41.079 a Yeah, we pay somewhere between six and twelve percent, depending on who 1507 02:00:41.800 --> 02:00:45.760 it is and what the program is. And usually the longer it's finance for, 1508 02:00:45.119 --> 02:00:49.720 you know, the more costs obviously. But it's it's specific to the 1509 02:00:49.800 --> 02:00:56.880 company that pulls the promo, and usually you can reuse it with the same 1510 02:00:56.920 --> 02:01:00.600 company with the credit card, you know, harm no file. It's just 1511 02:01:00.640 --> 02:01:02.239 you can't run it on a card machine. You got to go in and 1512 02:01:02.319 --> 02:01:05.880 process a thing called a sales slip and then tell them what promotion you're using 1513 02:01:05.920 --> 02:01:12.800 the next time. Oh so they can't just go and pick something up and 1514 02:01:13.000 --> 02:01:15.640 use the card, right, Yeah, you got to do it with the 1515 02:01:15.800 --> 02:01:20.199 same vendor, and the same vendor has to run it through synchronous facts line 1516 02:01:21.039 --> 02:01:27.439 and get it approved U part right. But you find do you find that 1517 02:01:27.560 --> 02:01:34.439 it helps you to close sales? Yeah? Yeah, it's invaluable the most 1518 02:01:34.520 --> 02:01:39.640 company is big or small, and it raises your revenue because you're offering a 1519 02:01:40.239 --> 02:01:44.600 quite a chunk of the general population around here, you know, an option 1520 02:01:44.760 --> 02:01:46.960 to get something right now that they may not be able to sing otherwise. 1521 02:01:48.479 --> 02:01:54.079 You know what, You're absolutely right that could be a real problem if people 1522 02:01:54.279 --> 02:01:59.600 can't get financed. I totally agree with you, totally. And these guys 1523 02:01:59.640 --> 02:02:01.960 work with people clear down into the high five hundred. I mean, they 1524 02:02:02.039 --> 02:02:04.760 may not always give them a full line for what they want. If you've 1525 02:02:04.760 --> 02:02:08.800 got a five to sixty score and you want, you know, thirty grand 1526 02:02:08.840 --> 02:02:11.279 and you make thirty thousand of a year, and you still have a mortgage, 1527 02:02:11.319 --> 02:02:15.079 that's probably not gonna fly. So they're careful, but they're very very 1528 02:02:15.439 --> 02:02:19.119 easy to deal with. All right, Thanks for calling about that. I 1529 02:02:19.199 --> 02:02:25.000 appreciate the information. Three all three seven one three talk seven one three eight 1530 02:02:25.039 --> 02:02:30.920 two five five. You know, I am all for designations, but I 1531 02:02:31.119 --> 02:02:40.920 think sometimes it gets a little ridiculous. Because I read somewhere that Denver was 1532 02:02:41.000 --> 02:02:44.720 given a designation. Are you ready for it? I'm not kidding you, 1533 02:02:45.600 --> 02:02:54.600 as the number one city for naked cycling. Now, somebody's got to go 1534 02:02:54.720 --> 02:02:59.880 through some real extreme kind of public relations kind of stuff to put out a 1535 02:03:00.199 --> 02:03:03.880 survey like this number one for naked bicycling. Come on, I mean, 1536 02:03:03.960 --> 02:03:06.520 give me a little break here when it comes to that kind of stuff, 1537 02:03:09.359 --> 02:03:14.000 you know, I mean, how important is that? And in fact, 1538 02:03:14.119 --> 02:03:15.439 I have never seen, I would say, in all of my years, 1539 02:03:15.520 --> 02:03:21.479 I have never once, not once seen a naked cyclist ever. I don't 1540 02:03:21.479 --> 02:03:28.079 even know if it's legal, but that is what I read. You look 1541 02:03:28.159 --> 02:03:30.439 it up and they had a whole survey, but I don't have it in 1542 02:03:30.520 --> 02:03:33.399 front of me. I was going to show you, I was going to 1543 02:03:33.560 --> 02:03:38.560 tell you who else ranked here, but it's not even worth it. Yeah. 1544 02:03:39.079 --> 02:03:46.680 Also, there was a survey done by Monster dot com about bosses, 1545 02:03:48.960 --> 02:03:59.079 and they categorize bosses into like a dozen or more categories, actually a ton 1546 02:03:59.159 --> 02:04:04.760 of categories. But do you know some of these categories. I look at 1547 02:04:04.840 --> 02:04:10.079 him and I think, okay, do you have a boss like this? 1548 02:04:11.920 --> 02:04:15.680 Let me just tell you the one that stood out, because I think we've 1549 02:04:15.720 --> 02:04:20.239 all had one of these. The screamer boss, the boss who shouts and 1550 02:04:20.359 --> 02:04:27.119 screams at everything and is pissed off at everything. It's called the screamer boss, 1551 02:04:27.880 --> 02:04:30.760 or the fearmonger boss. Hey, Tom, I think it's called the 1552 02:04:30.840 --> 02:04:34.720 wife. Oh come on, oh, that's not popular to say. Somebody 1553 02:04:34.800 --> 02:04:39.760 tell him where would you tap him? Dragon? And tell him the year 1554 02:04:39.880 --> 02:04:45.479 is twenty twenty four? Thank you, isn't it? Yeah, it's twenty 1555 02:04:45.560 --> 02:04:48.960 twenty four. Just in case you're not supposed to say like things like that, 1556 02:04:49.640 --> 02:04:56.159 the screamer boss. What about the fear monger And by the way, 1557 02:04:56.319 --> 02:05:02.079 speaking of such, if that is true, then deputy Doc got fired anyway. 1558 02:05:02.439 --> 02:05:06.199 The fear monger boss, the one who wants you to fear for your 1559 02:05:06.319 --> 02:05:11.039 job all the time. That's a sick feeling. Or the manipulator. This 1560 02:05:11.239 --> 02:05:18.159 is a smooth talking boss, but it's more of a smooth talker motivated kind 1561 02:05:18.199 --> 02:05:24.000 of but they want to get you to do things you see, they look 1562 02:05:24.039 --> 02:05:28.239 at people as resources. Hey Johnny, you're doing such a great job. 1563 02:05:28.560 --> 02:05:33.920 Have you thought about doing this? What about the bumbler boss, the boss 1564 02:05:33.920 --> 02:05:39.840 who almost does nothing right and they're always worried about their own job, and 1565 02:05:39.960 --> 02:05:45.079 you kind of feel sorry for them, almost, But they're not terrible people. 1566 02:05:45.760 --> 02:05:48.680 You almost like you, like I say, feel sorry for them and 1567 02:05:48.840 --> 02:05:58.039 support them. Sometimes that's a purposeful technique. Now that's a little different than 1568 02:05:58.119 --> 02:06:01.760 the clueless boss. Now, the clusless boss is truly clueless. They don't 1569 02:06:01.800 --> 02:06:06.720 even know they're bumbling. They're just clueless, and you wonder how did they 1570 02:06:06.800 --> 02:06:13.600 get their job. That kind of boss is kind of weird. They can 1571 02:06:13.720 --> 02:06:18.000 make like edicts and requirements that make no sense. That's the, in my 1572 02:06:18.199 --> 02:06:21.920 opinion, the worst kind of boss. I mean, a screamer boss. 1573 02:06:23.239 --> 02:06:26.319 You don't want one of those and all of that. The fear guy. 1574 02:06:27.119 --> 02:06:30.520 I hate the fear guy. I don't know if I've ever had a fear 1575 02:06:30.600 --> 02:06:33.600 guy. I've had some fear middle managers at times over the years. The 1576 02:06:33.760 --> 02:06:39.359 manipulator, Yeah, we see that, the bumbler, the clueless. What 1577 02:06:39.520 --> 02:06:43.600 about the old school boss. This is the way things used to be, 1578 02:06:44.000 --> 02:06:47.800 and this is the way I do them. I mean, really, that 1579 02:06:47.880 --> 02:06:56.760 won't work anymore. But what about this one? The god boss. Not 1580 02:06:56.880 --> 02:06:59.239 a yell er, not a screamer, not a manipia, but they just 1581 02:06:59.359 --> 02:07:08.840 feel like they know it all and my power is above all. So you 1582 02:07:09.039 --> 02:07:13.359 just do this, John, John, I've noticed here. This is what 1583 02:07:13.479 --> 02:07:20.119 we're gonna do, you know. And then the Teflon Boss, well we 1584 02:07:20.199 --> 02:07:27.640 know what the name means. Come on that Teflon boss. Never ever ever 1585 02:07:28.159 --> 02:07:33.479 is anything his fault, never ever, ever, ever ever, everything is 1586 02:07:34.039 --> 02:07:43.159 what he inherited or because of his employees. And then you have I don't 1587 02:07:43.199 --> 02:07:47.680 get this one, the what boss. It's like, where is he? 1588 02:07:48.079 --> 02:07:51.680 What boss? It's the guy that drives by work every once in a while 1589 02:07:51.800 --> 02:07:56.920 or phones it in. He's kind of a boss. The owners love him. 1590 02:07:56.960 --> 02:08:01.199 They don't know why. They never you never see the he's out golfing 1591 02:08:01.399 --> 02:08:05.720 or sometimes doesn't even come in. You kind of do all the work, 1592 02:08:05.159 --> 02:08:13.000 but he's the boss. And then the paranoid boss. This is outright the 1593 02:08:13.199 --> 02:08:18.079 most terrible boss you can have. Hey, who were you talking with? 1594 02:08:18.199 --> 02:08:22.680 What was that all about? Did some and so call you about me? 1595 02:08:24.279 --> 02:08:28.720 Or why are they doing this to our division? What the hell's going on 1596 02:08:28.239 --> 02:08:31.239 at that board of directors. I don't know if I'm going to be around 1597 02:08:31.239 --> 02:08:39.640 along. That is the paranoid boss. Yeah, totally different than the other 1598 02:08:39.800 --> 02:08:46.000 kinds. They're like, just really, it's just paranoia. And then what 1599 02:08:46.159 --> 02:08:50.199 about the boss this one, this one is not to be confused with the 1600 02:08:50.319 --> 02:08:58.159 martyr boss. The martyr boss is like, oh, I'll do anything for 1601 02:08:58.239 --> 02:09:01.960 the good of the company. Everything is company rah rah. But then there's 1602 02:09:03.000 --> 02:09:07.159 the other kind, goes it's kind of like that. The world on his 1603 02:09:07.319 --> 02:09:11.880 shoulders boss, everything is too my Oh my god, I have worked so 1604 02:09:13.119 --> 02:09:16.199 hard this week? Are you kidding me? We gotta I gotta do this 1605 02:09:16.399 --> 02:09:24.199 too. I guess I'm not surprised. I'll deal with it. The world 1606 02:09:24.399 --> 02:09:30.000 is on his shoulders? What kind of boss do you have? How about? 1607 02:09:30.079 --> 02:09:33.560 Okay, this one is probably I don't know. What do you think 1608 02:09:33.560 --> 02:09:37.760 about the buddy boss? What do you think? Hey, shut up ragging? 1609 02:09:39.239 --> 02:09:43.680 Oh dragon, that's a manipulator right there. Hey, anyway, the 1610 02:09:43.800 --> 02:09:50.199 buddy boss, the buddy boss. Everybody is there, buddy, hey, 1611 02:09:50.399 --> 02:09:52.960 buddy, hey, hey, you want to come over. We want to 1612 02:09:52.000 --> 02:09:56.159 go out for coffee. You know, you get close to the guy and 1613 02:09:56.279 --> 02:10:01.640 then bam go with a sure thing Denver's Best Room for Excel roofing dot com. 1614 02:10:01.840 --> 02:10:07.439 You don't pay a cent until you're content. Time for an insurance check 1615 02:10:07.479 --> 02:10:13.079 up free no obligation. In comparison, call Compass Insurance paying too much your 1616 02:10:13.119 --> 02:10:16.399 coverage at dozens of insurance companies find out now three all three seven seven one 1617 02:10:16.560 --> 02:10:20.199 help. You'll think you're his only customer when you choose Frank durand the real 1618 02:10:20.279 --> 02:10:24.840 estate Man dot com to list your home with Remax Alliance three oh three nine 1619 02:10:24.880 --> 02:10:41.159 two zero sixteen twenty two. Hi Tom Martino here three oh three seven one 1620 02:10:41.239 --> 02:10:46.199 three talk three oh three seven one three eight two five five. So let's 1621 02:10:46.279 --> 02:10:52.239 take this question on a lane violation, because I just paid one this morning. 1622 02:10:52.159 --> 02:10:56.199 I got sick in time and it's not mine. Was my son a 1623 02:10:56.359 --> 02:11:00.800 double lane? More and more people are getting these, My god, they 1624 02:11:01.159 --> 02:11:07.199 just are unbelievable. They seem to have cameras everywhere, and for those listening, 1625 02:11:07.279 --> 02:11:11.159 we're not talking about a speeding violation or running a red light. They 1626 02:11:11.279 --> 02:11:16.079 notice your carn in an express lane, and then they notice it not in 1627 02:11:16.159 --> 02:11:18.800 an express lane yet that you did not go through one of the things. 1628 02:11:20.359 --> 02:11:24.920 So they're assuming you crossed the double line. Is that what happened, Floyd. 1629 02:11:26.560 --> 02:11:28.560 Yes, as a matter of fact, that is what happened, Tom. 1630 02:11:28.239 --> 02:11:33.920 And they charge you seventy five dollars if you pay immediately or or it's 1631 02:11:33.960 --> 02:11:37.600 one hundred and fifty if you don't correct if you don't pay it by a 1632 02:11:37.680 --> 02:11:43.399 certain date. And I just got it yesterday and the delay in getting the 1633 02:11:43.520 --> 02:11:46.479 actual citation was two weeks. So I have two weeks to pay it, 1634 02:11:46.800 --> 02:11:52.079 which I'm fighting it. But they don't make fighting it any easier, Tom. 1635 02:11:52.199 --> 02:11:56.920 When you got online, Yeah, I went online and I saw there 1636 02:11:56.039 --> 02:12:01.159 was a place to fight it, but I didn't do it. What it 1637 02:12:01.359 --> 02:12:05.199 was? What's involved in fighting it? Well, you go, you go 1638 02:12:05.279 --> 02:12:09.920 to their website, you go in, you type in your your license plate 1639 02:12:09.079 --> 02:12:13.600 number, your violation. Right, I got all that right, Yeah, 1640 02:12:13.760 --> 02:12:18.439 So it allows you to go in and you have to select a reason why 1641 02:12:18.520 --> 02:12:22.159 you're fighting it. And the reasons are like, my car was stolen, 1642 02:12:22.840 --> 02:12:26.680 it's not my car, it's a rental, it's the owner's dead. I 1643 02:12:26.760 --> 02:12:31.600 mean ridiculous things. You basically you can't contest it based on I just I 1644 02:12:31.720 --> 02:12:37.399 disagree with this. You have to have one of these ridiculous outs to to 1645 02:12:37.520 --> 02:12:41.399 get get out of it. And if you select other, it tells you 1646 02:12:41.560 --> 02:12:48.159 you didn't select the civil penalty reason or something. So basically, this organization 1647 02:12:50.039 --> 02:12:54.840 who gives them authority? And I mean, I just feel like telling them, 1648 02:12:54.880 --> 02:12:56.479 you know, gives it? You know, Well, here's I'll tell 1649 02:12:56.520 --> 02:13:01.239 you who gives them authority? When when they sign up as a municipal with 1650 02:13:01.399 --> 02:13:07.239 a municipality to take care of this or the state, then the state gives 1651 02:13:07.279 --> 02:13:13.840 them authority to do it, okay, or the municipality in other words, 1652 02:13:15.119 --> 02:13:18.439 in other words, they do give them. Now, you know, here's 1653 02:13:18.479 --> 02:13:22.439 the thing. The way to fight it without fighting it like that is to 1654 02:13:22.560 --> 02:13:26.840 not pay it and then you would be served. That would be a better 1655 02:13:28.079 --> 02:13:31.479 forum if you simply want to say, I don't believe, but but how 1656 02:13:31.560 --> 02:13:35.039 do you fight it? Though? If they have a picture of your car 1657 02:13:35.239 --> 02:13:41.239 in and out, Yeah, one is in the the regular lane right right, 1658 02:13:41.760 --> 02:13:45.680 and then the other one is in the Now I know, I know 1659 02:13:45.840 --> 02:13:52.479 they don't show you actually crossing. I get that exactly, this is big 1660 02:13:52.600 --> 02:13:58.439 brother. But but where they set those up, where they set the cameras 1661 02:13:58.520 --> 02:14:05.359 up is after the toll reader. So if it's not Listen, I know 1662 02:14:05.439 --> 02:14:09.319 what I'm saying. What I mean is this, if you're in the express 1663 02:14:09.439 --> 02:14:15.560 lane before the toll reader and then you're out of it. No, wait 1664 02:14:15.560 --> 02:14:18.319 a minute, wait a minute. No, no, no, I don't 1665 02:14:18.399 --> 02:14:22.279 understand. Wait access areas what they're telling me. I know, I know, 1666 02:14:22.239 --> 02:14:26.960 yeah, they're saying. They're saying that if you if they read your 1667 02:14:28.039 --> 02:14:31.560 plate going through that reader, No, that's not it either, then you 1668 02:14:31.560 --> 02:14:33.560 would have gotten a toll I don't get it. I don't, I don't. 1669 02:14:33.640 --> 02:14:37.600 I think there's a way they take a picture, and I know my 1670 02:14:37.720 --> 02:14:41.359 YouTube morons probably know when you're driving the picture this, they take a picture 1671 02:14:41.399 --> 02:14:46.399 of you outside of the lane, and then after the toll reader it's inside 1672 02:14:46.439 --> 02:14:50.640 the lane. Then they think you buy that's what it is. Then they 1673 02:14:50.720 --> 02:14:54.720 think you bypassed it right right, yes, yes, And they're calling it 1674 02:14:54.840 --> 02:15:00.479 a safety violation. I know that's exactly. I know. There's nothing safe 1675 02:15:00.560 --> 02:15:05.319 about it or unsafe. Yeah, it's And I'll be quite honest, I'm 1676 02:15:05.399 --> 02:15:07.359 new with this express pass. I forget I even have to. Yeah, 1677 02:15:07.359 --> 02:15:15.079 but truly, oh truly, though, here's the deal. Truly, what 1678 02:15:15.319 --> 02:15:18.159 the hell you know? You probably did it right, I mean, what 1679 02:15:18.279 --> 02:15:22.279 would you when you say you would disagree, When you say you would disagree 1680 02:15:22.520 --> 02:15:28.640 just to disagree? What does that even mean? Then? I did anything 1681 02:15:28.720 --> 02:15:31.359 wrong? I mean I got to pass. You know, I have a 1682 02:15:31.439 --> 02:15:35.640 preloaded pass with you know, one hundred bucks on it, And first off, 1683 02:15:35.960 --> 02:15:39.960 I mean I didn't even know you had to enter it at a certain 1684 02:15:39.039 --> 02:15:43.359 spot. I'll be honest, I had no idea, so I told him 1685 02:15:43.359 --> 02:15:48.960 at lane headed north. But there was no safety implication there. You know, 1686 02:15:48.000 --> 02:15:50.319 I'm a safe drive. Yeah, you know what though you're gonna you're 1687 02:15:50.359 --> 02:15:54.079 not gonna win. I know, I know. But it's seventy five dollars. 1688 02:15:54.119 --> 02:15:58.560 How do they justify a stupid seventy five dollars charge for this er? 1689 02:15:58.279 --> 02:16:03.640 You know? It's ah, I agree with you on everything you're saying. 1690 02:16:03.079 --> 02:16:07.079 I think it's one of the dumbest violations. Look, you know, running 1691 02:16:07.079 --> 02:16:11.199 a red light that's different. Now. I don't think going three inches over 1692 02:16:11.279 --> 02:16:15.680 that line you should be charged, But running a red light, I can 1693 02:16:15.760 --> 02:16:18.000 see where you'd be charged. Donald, Do you have a question about state 1694 02:16:18.079 --> 02:16:20.439 pension? I'll take red after this. Just hang on, Okay, we 1695 02:16:20.520 --> 02:16:24.479 got more coming right up. Go with a sure thing Denver's best roofer Excel 1696 02:16:24.600 --> 02:16:31.360 Roofing dot com. You don't pay a cent until you're content. Time for 1697 02:16:31.399 --> 02:16:35.719 an insurance checkup free, no obligation. In comparison, call Compass Insurance. 1698 02:16:35.920 --> 02:16:41.000 Pay too much your coverage at dozens of insurance companies find out now three O 1699 02:16:41.120 --> 02:16:43.760 three seven to seven to one help. You'll think you're his only customer when 1700 02:16:43.799 --> 02:16:48.479 you choose Frank durand the real estate Man dot com to list your home with 1701 02:16:48.639 --> 02:16:58.479 Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Artino, 1702 02:16:58.559 --> 02:17:03.559 you're troubleshooter three three seven to one three talk three h three seven one 1703 02:17:03.639 --> 02:17:09.479 three eight two five five. Let's continue and uh we uh have Donald who 1704 02:17:09.479 --> 02:17:13.479 has a question on a state pension. Go ahead, Donald, Yeah, 1705 02:17:13.719 --> 02:17:18.280 uh, Tom, you're the troubleshooter. I just need the phone number to 1706 02:17:18.319 --> 02:17:22.200 see if buncle Billy and get a pension from the state of Colorado. Since 1707 02:17:22.239 --> 02:17:28.959 he's been here, it was always life if who can uncle Billy lives? 1708 02:17:28.000 --> 02:17:31.440 See we live in the Forum. It's an apartment building right by the City 1709 02:17:31.479 --> 02:17:35.440 and County building. And he wants to know if he can get an old 1710 02:17:35.520 --> 02:17:39.719 age pension from the state of Colorado since he worked here all his life. 1711 02:17:39.399 --> 02:17:43.799 Did he work for the state? Oh uh, that's why I called you 1712 02:17:43.959 --> 02:17:46.040 up. I go, wow, you didn't work for the state. No, 1713 02:17:46.159 --> 02:17:50.399 he worked for like cores. But there is are you? When you 1714 02:17:50.479 --> 02:17:56.799 say old ad pension, do you mean social Security? I already get that. 1715 02:17:56.719 --> 02:18:01.440 Well, there's no other. There's no other automatic pension for anyone just 1716 02:18:01.559 --> 02:18:05.200 because they've worked here. You know what that's Well is telling him. I 1717 02:18:05.319 --> 02:18:09.959 think he's talking about his buddy Steve, because Steve worked for the city in 1718 02:18:09.079 --> 02:18:11.680 county. You know, yeah, yeah, No, here's the deal, 1719 02:18:11.760 --> 02:18:18.520 Donald, Donald, listen. Social Security is the only universal one. If 1720 02:18:18.559 --> 02:18:22.520 you've worked forty quarters, that's the only one. The only other ones would 1721 02:18:22.600 --> 02:18:30.120 be specifically, like if you worked for the educationals for schools, or if 1722 02:18:30.159 --> 02:18:33.639 you worked for the state or federal governments, but that's totally different. Or 1723 02:18:35.079 --> 02:18:39.000 if you worked for a nonprofit and you had a four to h three B 1724 02:18:39.760 --> 02:18:43.479 or other or a four to oh one K with a private company, or 1725 02:18:43.600 --> 02:18:48.040 even a four point fifty seven is another kind of a plan. But none 1726 02:18:48.120 --> 02:18:50.280 of these are automatic. I mean, if he wasn't part of it, 1727 02:18:50.799 --> 02:18:56.319 there's no way he's going to get anything so you better tell him that that's 1728 02:18:56.360 --> 02:19:03.799 it now, Brad O'Brien really quickly. The just cause lease says you have 1729 02:19:03.959 --> 02:19:09.079 to have what a good reason for eviction or excuse me for not renewing? 1730 02:19:09.280 --> 02:19:11.479 Is that? What? It says you have to have one of the stated 1731 02:19:11.559 --> 02:19:13.879 reasons for not renewing a tenant at the end of their term, which is 1732 02:19:15.079 --> 02:19:18.760 you want to sell the property, you want to landlord wants to move back 1733 02:19:18.799 --> 02:19:20.479 in, or their family wants to move back in, or you want to 1734 02:19:20.520 --> 02:19:26.639 renovate it. Do you think it's that burdensome or not, because it sounds 1735 02:19:26.760 --> 02:19:31.319 like those are pretty reasonable or not. But if you simply want to rent, 1736 02:19:31.399 --> 02:19:33.799 let's say, to a sibling or to a nephew or niece, can 1737 02:19:33.879 --> 02:19:37.079 you do that? No, the family member has to be in your immediate 1738 02:19:37.159 --> 02:19:41.399 family. Oh so you can't just if you have like a nephew graduating college 1739 02:19:41.440 --> 02:19:43.920 and you want to rent to them, you don't have the choice. No. 1740 02:19:45.040 --> 02:19:48.079 I think it's your immediate family wow, and your dependence. Okay, 1741 02:19:48.520 --> 02:19:54.079 But so there is some restriction then, and a tenant can always challenge it, 1742 02:19:54.239 --> 02:19:58.159 right yep? All right? By the way, olslaw dot com. 1743 02:19:58.239 --> 02:20:05.239 When Bras and I here olslaw dot com seven to zero three seven zero seventy 1744 02:20:05.319 --> 02:20:07.360 three eighty eight Save all your problems for me,