Yeah, ripped up needed that, so you don't have come running. Just
as fast as we can. Shooter's gonna help come. Man, this is
the Troubleshooter Show. No Tom martinoo. Hello, Hello, I'm Tom Martino.
Welcome to the show. You might be you're streaming. You can see
Brad O'Brien here from O'Brien Legal Services. We're here helping you to solve problems,
answer questions, say complains. Bradley O'Brien is in real estate law.
I love talking about that as well. Real estate is a it's a really
good thing to do when it comes to of course, uh, not just
living in it, but investing in it. And then uh, Steve the
painters here doing my front door, and Brad just brought up something. He
says, Tom, are you noticing these fumes? I'm getting a little high
here. No, I got to turn on my hull house fans. See.
I got I got everything I got Steve the painter, I got a
QC hull house fan. I can I can plug everything in the world by
talking Brad O'Brien as a client. No, seriously, I hope you call
us about any problems you have, questions and complaints and is my compadre is
uh Mark on three O three seven one three talk seven one three A two
five five Channon? Did Mark sign on today? Is he he had the
helm of the last few days. Cassandra wants to talk about an issue with
a dentist. By the way, this hour brought to you by your people
at waterpros dot net for the best water systems ever at the lowest prices,
Paul the waterman waterpros dot net. I can't say enough about it. Right
now, they're finding all kinds of crap in water, including the chemical that
Parkins's disease. Every day it seems like they discover more in water that's fresh
water as well, people because of the runoffs. Three h three eight six
two five five five four is Paul at towaterpros dot net. So anyway,
welcome and let's talk. Let's go to Cassandra. Now, Cassandra, what's
happening with your dentist? Cassandra, Well, back in December twenty twenty one,
I went into the dentist because I was going to have hip replacement surgery.
So wait, wait, wait, you went to a dentist because you
were having hits listen, I had to have the teeth fixed before I get
my hip replacement. Okay, anyway, okay, So anyway, I started
this process and twined December twenty twenty one. I still don't have. We
opted to go with the upper implant and put a snap indenture. Yeah,
and that was ten thousand dollars up front. He was paid in full up
front. Why would you have to pay up front? I don't know,
but that one requirement. Now, what about your lowers? I'm just curious
about that. I still have more than half of them? Okay, what
happened? Tell me what went wrong? Well? What went wrong was that
on May tenth, because I went in for impressions beginning of February of this
year, which we hoped would be the final. This is taking forever,
and well, yeah, why is it taking so long? Well because the
lab he was sending him to down in Florida are absolutely ridiculous. I mean
there was minor two. So you finally got impressions a few months ago.
Well, that's like the fifth set of impressions. Because I don't know what
the problem is here. But he up and closed his office on me.
I went, I was trying to you By the way, let me ask
you this, do you have the implants though, you do have the implants?
Yeah, those are in Yeah, they're in my job. Yes.
Now he did those right, Well, he personally didn't, but the dentist
that was working for him, doctor Pivots did. That's what I'm so for
the money that you paid, how much did you pay up front? Ten
grand? Pay? Okay, and you got four implants so far? What
else did you get? Well, you got five implants, Yes, I
do, because I'm a little older and osteopenia or whatever it is that makes
your bone loss kind of yeah, so you had to put five of them
in. Anyways, what was so hold on? What I'm trying to get
at is this let me let me just cut to the chase, because I
think you know what I'm trying to get at. No matter what, if
the guy goes out of business, he sucks, he's out gone. As
long as you got something for that ten grand and you got if you got
five implants for the ten grand, you're not behind the eight ball. Well
that's not true because I've only got part of the implant. What's actually in
the job. There's another piece that goes on and then there's a third piece
that goes on that actually snaps to the denture. Okay, wait a minute,
So the implants that you have, the five that you have are s
bleed the implant into the bone and it doesn't have the adapter for the Dentis
there to two more pieces that have to be at it? No? I
get it. They're adapters. They for the restoration. You have the implants,
the adapters and the restoration, and usually you don't put on the adapters
until you have the restoration, so they match. Well, No I have.
Okay, so I've got five pieces that are in my jaw, and
I have three pieces that are attached to three of the five. The OKQ
fell out because it was okay, so long. But here's what I'm asking,
and this is going to be crucial. Yea, did you get ten
thousand dollars worth of work? Now? Whether or not you like what they
did, if it was proper, did you in other words, if you
went to another dentist for exactly what you have? Five implants and three partial
three adapter three parts? Still you know, just whatever is it worth ten
grand? Have you had another dentist tell you? I have not? But
we're only talking about those. There's seventeen hundred dollars a piece for the little
titanium, the final piece, there's seventeen hundred each. And I have documentation
to show all that. So you are you talking about the posts the Titanic.
That's what he's talking about. That's what she's talking about. She got
five posts. Those posts, Bob doc are like two grand No, right,
I'm just trying to get a picture of my head a little. I'm
sorry, only the little, tiny, tiny piece that goes Okay, so
you've got one piece that goes in the jaw, and then you have another
piece of Cassandra, listen here, here's what I'm getting at. Okay,
Yeah, really, And I know why you're calling because you know the guy's
out of business. But if he's out of business, here's the question did
this guy? Did this guy do a malpractice or was he just a bad
business person? There's a big difference and dan and cheap what's that? Well?
Yeah, but I mean he you know, he said on his door,
when I tell me what you want, you can't tell me what you'd
like to be able to find the guy? I mean, I said,
why why? Well, because I think he needs to rectify this. Okay,
do you really want this clown? Do you really want this clown to
continue working with you? No? But I don't. I mean I'd like
to be able to get do something, to be able to he's only done
about twenty five hundred dollars worth of work. No, you're wrong. If
you don't have five posts, you're wrong. I'm sorry we're disagreeing in this
one. Well we are because I have an on documentation that it was X
amount to pull the teeth, x amount to put the Wait a minute,
wait a minute, he pulled, he pulled your teeth, plus put in
five posts. And you don't think that's ten grand? But there's no,
it's not in the doctor. How much do you think it is, Cassandra.
How much work do you think was done? How much? About about
three grand? Okay, well, then here's what you do, Cassandra.
Call the dental board and make a complaint and then take the guy to small
claims court. We can help you find him, but you're gonna lose,
Cassandra. I can't. No, really, there's nothing I can do for
you. Okay, there's no way for three grand. You can't even get
okay, you can't get never mind, Doc, do you understand what I'm
trying to get at? I don't, Cassandra, You're not gonna go anywhere.
Even if you find the guy. The guy went out of business.
Okay, it's not malpractice. You have five posts, He pulled all of
your teeth. You don't have infection, you don't have anything. You're ready
to go from here forward. I am telling you that the ten grand is
not a complete ripoff. Maybe, okay, maybe I'm overestimating. Maybe you
may be behind the eight ball by two grand. Maybe, Doc, what
do you think you've seen enough? You have enough friends were dentists. Do
you really believe that they can pull all her teeth and put in five posts
if they did nothing else, just five posts and pull all those teeth that
she wouldn't eat up? Most of that tends it's at least ten grand?
Well, okay, and even if it's eight okay, what do you want?
Do you want a two thousand dollars refund? You want a seven thousand
dollars refund? Go to small claim's court and lose, because Cassandra, listen,
I'm all about fighting for consumers. And what that dentist did sucked?
Okay, I agree with you one hundred percent, but you gotta move on.
You just gotta You're not going to get a refund. And I'm not
saying this because I don't want to help you. I do have the sixty
four hundred that I just found, the figure for the the extraction and then
the putting in the what does it say right here? It's a surgical placement
of implant body and then the extractions. All of that came to'm sixty four
hundred. Okay. If that's what he charged, If that's just six okay,
if you had that and he owes you, okay. So if you
have that by contract, then he would owe you I he okay, Then
you should use that contract to take him the small claims court because, unlike
a regular corporation, if he abandons your care, I think you could win.
You need to help find him, right, You need help finding this
guy. Okay. Hold on, give all the information you have to Kashina
and I'll get sues, maybe sues. You can get one of our investigators
to find this guy. Okay. So let's see if we can help you
there. Three oh three seven one three talk three oh three seven to one
three eight two five five. You know I don't blame I do not blame
her for being upset. I would be two. I guess right. Okay,
so you can't You can't say much about that. By the way,
Frank durand the real estate Man will do an evaluation of your home for the
asking. Frank Duran, the real Estateman dot com. You ask him and
he'll give you a complete analysis of what your property will sell for without any
kind of obligation. Three oh three nine two zero sixteen twenty two. Go
with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay
a cent until you're content than time for an insurance check up free, no
obligation. In comparison, call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven seven to one. Help.
You'll think you're his only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance three oh three nine two
zero sixteen twenty two. Hey, I'm Tom Martino, your troubleshooter three oh
three seven one three talk seven one three, eight two five five. Now
we're going to talk to Joe. He has an issue. Oh wait,
are you there, Joe? Did we disconnect? No? I'm here,
Joe. Hi, Hi, what's going on? Man? Well? I
had sent pictures and let you know about the problem I had with the window
installation job. Been in my house for over twenty years, and then I
had these Marvinn Infinity windows put in. Now, they're supposed to be really
good windows, right, Yeah, that's what I thought. They were fiberglass
and that's why I chose them. Yeah. Now, hold on, when
did you have this done a little over two years ago? And who did
it? It was Next Gen Windows and Fort Collins. Okay, so next
Gen was a dealer, right yeah, distributor dealer there. And okay,
are you having a problem with the window or the installation? I believe it
is more installation than it is windows. Okay, because there is no doubt
that Marvin would stand behind the product itself, right, that's I would hope.
So no, I'm thinking they will. They have a good name.
Joe. What where is next Gen? And well, first tell me what
your problem is. What's the problem that started in less than a week after
installation, and what I have is an extreme air leakage coming around or through
the windows and going to the outside. So hold on in the way.
So this air leakage is your main problem, right, oh yeah, yeah,
okay, And are you getting any moisture coming in? Not coming in?
But when they heat, when it's in the winter time and it gets
really cold, it blows through and around the windows. It goes right through
the brick mold. Even I get it, and then it starts, Then
it starts forming moisture and condensation. Well okay, I gotcha. Now that
is definitely faulty, definitely faulty installation. So my obvious question is this,
did you call next gin? Oh? Man? Yeah, It's like talking
to a garbage can. So these people have not had the courtesy after selling
you a house full of windows to come out and check it. Well,
even before they come out, they make excuses that humidity, the sightings rotten
and falling off. They didn't build my house, right, I could just
go on and on. Well, okay, listen, all of that.
All of that could be true. But if what I'm saying is this,
if they put in a window, the other ones weren't doing this, then
the new one shouldn't do this. They should be able to calk or seal
around them. Oh, I agree, one hundred percent. But when I
did a complete tear out, I had efficient wood windows, a full jam
window in the house for over twenty years. Can okay, hold on a
second, Just hold on, Joe. I want to get an expert on.
Hey, I want uh Kaschina. Can you get uh Markman's Mark Shamanski
back on? And I want to ask him a few questions about Okay,
hold on, Joe three all three, Oh yeah, just hang on marrow
three all three seven one three talk seven one three eight two five five.
Brad O'Brien, Brad, I'm wondering ownership. People are asking about ownership.
There's a new not new kind. There's a kind of ownership that I truly
did not come across before. But I it sounds a lot like a joint
tenancy with right of survivorship. Okay, right, that's that's it. That's
but what is joint tendancy in its entirety is that a separate form of ownership.
This is something someone asks about. Hold on, there, there you
go, bro So tendency by the entirety is something that other states have,
just a few states, but not Colorado. Okay, Illinois has it,
and it's particularly it has. It's like genant, it's like joint tenancy with
right of survivorship, and it's only for married coup couples and it has but
it's for creditor protection. So basically what it is is that the debt of
one spouse can't be pursued against the other co owner's spouse. Okay, but
what if they have joint tenancy with the right of survivorship, can you go
after the one spouse? Yes, in that case you could go the creditor
could go after the ownership of the entire property. Really based on just one
right, okay, all right, So we don't have that here in color
No, I get it. Are they doing away with it or just some
states have it, some don't, right, Okay. So joint tenancy with
the right of survivorship is one form of ownership for partners or married people or
people that want to own the whole and it gets passed on. Now,
what happens then if there's a lean on that property from a creditor and the
person who owes the lean dies, does that other remaining owner who takes full
ownership still have to pay off that debt? Yes, the lean remains.
The lean of the person who died remains on the properties. Can they die?
So I never knew this. I thought that when you had joint ownership
or joint tenancy with right of survivor, you protected yourself from creditors. So
if let's say a spouse goes bankrupt, can you actually lose the home with
joint tenancy and right of survivorship? Yes, but we have something in Colorado
called the homestead exemption. Okay, and that alone is something that that deserved.
But okay, So absent of that, you could lose it technically,
yes, okay, So then a homestead exemption. I hear about this all
the time, and can I attempt to make a very simple explanation. Is
a homestead exemption basically the part of equity protected in all cases? Yes?
It is? Okay? Is that basically a simple explanation. It's a homestead
exemption exactly what it sounds like. There's a certain part of your equity no
one can touch, right like, for example, by the way it used
to be in Texas that no equity could be touched none. In other words,
if it was home equity on a primary residence. I don't know if
it's still like that in Texas. But do you know why I knew about
this in Texas because now my show was on KTRH in Texas for a long
time along with other cities, and there was a big scandal called Enron,
and a lot of these people with Enron transferred their equity into homes. They
would take their ill gotten gain and buy a home, and the equity was
untouchable. So some of these scoundrels had big giant mansions where they protected millions
of dollars in equity. Did they change the law sits then? I wonder.
I'm just generally aware that the Texas and Florida have a homestead exemption that
covers the whole entire house right for your primary residence, and so you can
have a two million dollar house, the whole thing's protected. Just my general
knowledge and know, and that's what I think happened with Enron these people.
But I thought there were cries to change it. I'm not sure. It
doesn't matter. Let's talk about Colorado. What is the homestead exemption in Colorado?
Right now, it's two hundred and fifty thousand dollars of equity is protected
from for a couple or for one or for just a house either or okay,
just the house itself. There's one exemption that an individual could have that's
the same amount if it's a couple. Now if the if the homeowner is
disabled or sixty years or older, is not too two and fifty thousand,
It is three hundred and fifty thousand. Wow. So nowadays someone could do
a bankruptcy and keep a home with three hundred fifty thousand dollars of equity.
Yeah, except if the they they give a mortgage and they gave a homestead
waiver. Wait can you wave it? Oh? Yeah, absolutely, now
you can wave it. When you wave it, do you wave it just
for that mortgage or when they foreclose, or do you wave it for everyone
just for the mortgage? Okay? And most mortgages have a homestead waiver in
there, so they can sue you for the deficiency. In other words,
right, but another creditor can't say, Hmmm, that guy's got a lot
of equity. I'm putting a lien on the house. I'm foreclosing because they
won't get anything. Yeah, unless there's more than three hundred fifty thousand of
equity or two. When did that go up so high? But you know,
ten years ago or so, it used to be like seventy five thousand.
Yeah, but the legislature really bumped it up significantly a couple of years
ago. So they're pretty much saying that it's sacred. Equity is pretty sacred.
Yeah, all right, that's really I did not know it was that
high. I'm going to talk to Marks Shumansky coming up with Genesis tootalexteriors dot
com, because really he does a lot of windows and I really want to
know what the heck is going on there. Three oh three seven to one
three talk seven one three eight two five five. By the way, Dan
McKenzie is an estate planning attorney that I hope you avail yourselves of. We're
talking real estate today. State law is another very important part of law,
and Dan does it in a very logical way, very very personalized attention.
He'll meet with you personally. Eight three three co plans eight three three co
plans Go with a sure thing Denver's best roofer Excel roofing dot com. You
don't pay a cent until you're content. Time for an insurance cup free no
obligation. In comparison, call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven to seven to one.
Help. You'll think you're his only customer when you choose Frank durand the real
estate man dot com to list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom Martino here, Welcome to this show.
Three oh three seven one three talks seven one three eight two five five.
I'm gonna talk to Marks Shamansky now from Genesis Total Exteriors about this case.
He's not he doesn't have any part of this case. I'm just asking
him as an expert. So Mark, Joe had some windows put in Marvin
Infinity windows. Pretty good window fiberglass. He had him done about two years
ago. Hey Joe, you have it. You mentioned you have a brick
house. No, it's it's lap sighting. Oh I'm sorry. Okay.
Now you say almost a week or less than a week, you notice air
leakage around. In fact, you get so bad in the winter. The
cold air comes in around the windows. Are you going to say it freezes
or something. Yeah, it does on the patio doors, but they didn't
seal them. Right, I had water coming in. I had two six
foot patio doors put in and it rained a couple of times right after they
put them in. They said they sealed them, but they didn't. And
I did Next Sheen did Next Sheen? Who did the installation? Did Next
Gen ever come out and inspect your windows? Well, they always come out,
but they would never do anything. They said, it's installed to their
standards. And they said that your house is not built correctly. Is that
right? Yes? And I've got the original blueprints. It's got all the
stamps and a p. Did you have it built, Joe? No,
it was somebody else. I bought it used now, Joe. The wood
windows that were in there before never had air infiltration. I never had any
air infiltration. So I have a simple question. I have a simple,
simple question for Mark Schamansky, one of our window experts Genesis Tootalexteriors dot Com.
Mark, if they didn't leak before, they shouldn't leak now now we're
talking air leak at you wouldn't you agree? Mark? Oh? One hundred
percent agreed, and I think it's all they install. I'm ninety percent sure.
You know, windows come with a fin on the edge of them,
on all sides. And I'm guaranteeing you what they did with the old windows,
they took a saws all and just cut out the old windows and never
cut back the siding and install the windows correctly. Well. And again it's
not that it's incorrect, it's just something I don't do. I don't install
my windows that way. But if you do, let's say you do cut
off the fins on the new windows even and you just insert them, or
you get the windows with don't they come without fins for brick and stuff.
You can order them without fins for yes of brickens. Do you think they
did that and and and put them in and then just it just needs to
be sealed around them. Yeah, I mean the best product is an OSI
foam that you know, injectable foam that you spraying around the windows is what
you want to do. So I don't think this isn't I don't think.
In other words, Mark, I'm thinking they don't have to redo the whole
installation. Are you thinking all he has to do is get these things sealed.
Yeah, I think I think that's right. I think I you know,
you can take whatever tram or brick mold is around there, take that
off and make sure it's properly installed. I mean, it's it's you know,
properly have this moment's hey, Joe, how many windows do you have?
I've got eight windows and two six foot sliding doors. Now is air
leaking on all of them? Oh yeah, yeah, and it's going right
around the window and through the brick mold. You've seen the pictures they've now
here's what I say. Here's what I say, Joe. And it's a
very easy thing to do. Get an estimate to remove all the molding and
seal around the windows. Get an estimate. Yeah. But here's here's I
think part of the problem. They put about a two and a half jam
extension on because the mode windows were four and nine fully jammed and they were
insulated from outside the inside. But hold on, what does that mean mark
a jam extension? It's because the windows thinner than the wall. And see
oh okay, okay, so they made the windows. Why but you can
still seal them, Joe, what do you mean that's the problem. You
can still get an estimate for sealing them. Right. Well, here's the
problem too, I says, I can probably fix it myself. I got
Joe, what's the problem. Get to the problem, And the problem is
leakage. And if they've fully wrapped that whole interior ro and fully insulate it
from inside to outside and see it all around because you got exposed to Joe
through it, keep going, you're not finishing, keep going, And so
they have to fully rep that, seal it foment inside and then clear to
the outside. There should be five inches. They only put a couple of
inches of foam around the window, put the jam extension in tasing on like
a picture frame unit, and never foamed or insulated around the jam extension to
the window. So it's now hold on, Eric, Mark, do you
understand what he's saying and is he correct? I understand what he's saying.
Yes, I agree. You know, if there's only like an inch or
two of foam in there, then it's probably not continuous. And yeah,
that could be the problem for sure. And then do they also flash above
the window and above the trim. Well, I made sure that they did
put a drip cap on it and that's all there is, just like the
wood windows had. Right. Okay, So here's the solution, Joe.
When I tell you this and you say here's the problem, I'm asking straight
up, you get or I'm telling you straight up, you get an estimate
for ceiling, and you keep saying you can. You can get an estimate
on what it will cost to seal those windows? Is that right? Yeah?
But they tell me if I touch them all the warranties. Boys,
Joe, you didn't let me finish. Now you can get an estemmet on
what it will take to seal the windows. The warranty will not be affected
because Marvin is the one that does that, and if you're only ceiling around
a window, it will not interfere with the Marvin warranty. Once you get
an estimate, now you have damages for what I believe is a breach of
contract by next gen. So let's say it's gonna be under seventy five hundred.
I don't know if it will or not. What do you think,
Mark? How many windows? Eight windows do you think it'll be and two
doors? Do you think that'll be under seventy five hundred to do all those
ceilings? Yes, I would think so. If so, then Joe,
you can sue them in small claims court for those damages. That is what
I would do. I would call a legitimate company, next Gen. There's
no sense they already said they're not going to do it. I would call
a legitimate company like Genesis or someone who has time to do this repair.
Have them estimate the repair. Now you have damages that you make a demand
to Next Gen or Will and if next Gen says no, you're take in
the small claims court for breach. That's what I would do. Three O
three seven to one three. What's that, sir? Let me tell you
this. They've even had a service manager come out and I showed them the
pictures that I sent to you, and they looked at it and he goes,
oh my god, they're not installed. Right, okay, Joe,
another week or two okay, Joe. As I said, get your estimate,
call us back please. And of course Genesis their number is three oh
three six seventy nine eight five zero nine. Go with a sure thing Denver's
best roofer excel roofing dot com. You don't pay a cent until you're content.
Time for an insurance check up free no obligation. Comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies find out now three oh
three seven seven to one help. You'll think you're his only customer when you
choose Frank durand the real estate Man dot com to list your home with Remax
Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino here
three all three seven one three talk three oh three seven one three eight two
five five. Uh, Premiere window washing U is uh going strong right now
with the good weather. This Premiere window cleaning and pressure washing. We clean
windows dot so if you need a great job, we clean windows dot COO.
They also do window tinting. We clean windows dot co. Now let's
continue, and uh we have Deputy Bo. He has a Camping World update.
Now I know Mark really really was pissed off at them yesterday. Bo.
Can you recap the original problem here and I'll bring it up. Yes,
Lady named Melissa bought a camper from camp being World over a year ago.
Yeah, and PA thirty eight thousand dollars. And it hasn't she hasn't
been able to use it. Right? You know, I used it for
a few days. She went on a trip two days after they bought it
and it started getting moisture in the camper, so they brought it back.
They found a lot of cracks, and now this camper was brand new,
So they sent the camper back to Lance, which was the manufacturer, and
they had it for like four to five months and then sent the camper back
and apparently she still has the same problems with the They didn't repair the cracks
properly and the jacks do not work. So she left the camper there because
basically it's unusable. So she's been trying to get a hold of the people
at Camper Camping World to take the cracks in the roof they were in there,
she called. The cracks were in the basement and in the walls and
basically in the structure. And when they repair I guess I just did a
superficial repair. They just codd it with something and put in lag screws.
She sent pictures that looked like a so what are we doing? Will they
do anything about it? Well, Tom, Melissa's called over there four or
five times. I called six times to talk to their service manager and they
just will not return the call. So what I did yesterday I did a
little research and found out that this Marcus Leminas is the owner of Knight Right.
So Marcus is the one that does that show the profit. Yeah,
So I was able to get a hold of his corporate offices. Yesterday.
I talked to his secretary, told her the whole deal, and I just
wanted to make sure I had the rite number and it was legitimate. So
I followed up with a call with Marcus Lemanus's office today he's in Illinois.
Gave her the story. I just wanted to make sure I had to write
people, and he and Marcus's secretary, sheryls was very receptive, but she
wants the owner of the camper to call them direct. Well, there's nothing
wrong with that, yeah, and that's fine. So I called Melissa.
I told Melissa to call Marcus Lemanus's office this morning and tell them his office
the whole problem and hopefully says he's the owner of the company, he'll be
able to give her a refund or to get her and I think she deserves
a refund or a brand new camper. I do too, because she bought
it new and they can't use it. I mean they haven't had been spent
thirty nine thousand dollars and they can't use the camp they only use the camper
once. I mean, yes, why do you Why was Mark upset because
they weren't calling back or anything? Yeah, I mean, I mean,
she spent all this money, they're not calling us back to not calling the
owner Melissa back, they just will not return her calls. Okay, you
know, I mean I think they should go on this sleeves brigade if if
this, I think he was supposedly supposedly going to turn this place around because
they have such horrendous customer service. It sucks. We get to help this
link we get every time we get a complaint. We hear the same thing
about Camping World. It used to be pretty good. Then it went down
the hill, and then he took it over, and we thought it was
going to turn around. But it hasn't yet. So let's wait and see
what we find out about this. I'm Tom Martino. We have more coming
up, and we have some real estate issues to talk about that I think
you're gonna be very interested in as well. Three oh three seven one three
eight two five five Go with a sure thing Denver's best roofer Excel Roofing dot
com. You don't pay a cent until you're content. Time for an insurance
checkup free, no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies Find out out now three oh three seven
seven one help. You'll think you're his only customer when you choose Frank durand
the real estate Man dot com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Yeah, ripped you need advice?
Who you don't have? Come running just as fast as we can. Show
Shooter's gonna help. Come Man six is the Troubleshooter Show. No Tom Martino,
Hi Tom Martino here, Welcome to the show. Three oh three seven
one three talk seven one three eight two five five Here to help you solve
your problems, answer questions, take complaints, get your calls in for sure,
and we'd love to help you on anything that you need help with.
So don't let things fester. If if if you have a problem, a
question to complaint, someone lies, you, cheated, you, ripped you
off. We want to hear about it and we try to help you by
warning you. We try to help you by exposing the bad guys so other
people don't make the same mistake. And it's just the only show that really
talks about all of this stuff. Remember you can call three oh three Martino
twenty four seven three oh three six two seven eight four sixty six. I
got an email, very curious, listen to this one. My name is
Alec and uh I use Jeff Jolliffe. Oh my god, Jeff Jolliff.
Anyone listening right now, go to YouTube look up Jeff Jolliff on my Troubleshooter
network page, or go to LinkedIn or Instagram, the real Tom Martino or
wherever, uh, and you'll see a video about Jeff Jolliffe. Jeff Jolliffe,
replace my transmission. It doesn't work. We do not, under any
circumstances, want to return it for warranty work. Well, of course not,
because when you do, it's either stolen or not fixed. And he's
not fixed. Dozens. I've spent hours researching him, his old companies,
his lawsuits, his complaints. I'd love to retain counsel and file a lawsuit
against him. Man, you can, but it's going to be futility.
What happens you get a judgment? This guy is such a dead beee.
Really, the only thing for this is me talking about not this email.
He's got to be arrested. That's really what has to happen. He has
to be arrested. Arrested. It says there is no shortage of individuals.
This man is scammed. Instead of pursuing an individual lawsuit, what about it,
we just do something as a class action. You know, as Brad
will tell you. Brad O'Brien's an attorney, class actions. A lot of
people mistake a class action and what it's meant for this would this kind of
a lawsuit you're talking about would more like be a joinder lawsuit where you're all
being ripped off by the same guy. Class actions are usually how do I
explain it, Brad? A lot of people confuse that. They say we
should do a class action lawsuit because there are victims, But class action is
really a whole different animal, isn't it. Well, I don't do class
action, no, of course I know they do. They look for commonality
of claims, and they look for big claims in many planes and plentiful claims
because it takes on a giant class of people. Well, the court looks
for commonality, The lawyers who bring those kind of claims look for the victims.
The money pot. Yeah, it has to be a big pot of
money at the end that would justify. Yeah, they're doing it on a
comp basis and expect basis. Suing someone for a similar complaint is not not
necessarily a class action. No, you can have like three to five plaintiffs
without being a class action. Yeah, without being right. Yeah. Now,
usually what a class action is is that there are so many victims out
there that you can actually start soliciting for people who've been who meet these six
circumstances. In other words, it wouldn't be worth it to go out and
start advertising. Have you been a victim of Jeff jallaf? We're all going
to do a class action because, as Brad said, there's no money in
it, and also, a class action is for public good. Now,
that doesn't mean it wouldn't do the public any good getting Jeff out of business.
It would, but not the public in general. It's a weird distinction.
But you're not going to get a class action. You're just not going
to get one anyway. He wants to know if I would be interested in
pursuing class you can. Here's what we should do. We should try to
get him arrested. We should try to get this state attorney general to take
action against him. He's a flagrant, repeated violator of the consumer protection loss.
He is truly what a state attorney general should go after. And I
say a state attorney general because he's in different jurisdictions at different times, so
a district attorney is not going to do it. So I believe you should
go after go to the state attorney General's office. We should get a list
of victims and just try to get the guy truly in trouble with the state
attorney general. That's what I believe needs to happen. In three zero three
seven one three talk three oh three seven one three eight two five five.
Now these guys erased my uh erased my questions for you that came in on
text, So I need to UH find them, Okay, Brad O'Brien O'Brien
Legal Services for real Estate. One, when we talked about primary residences and
we talked about the homestead exemption, you can protect up to three hundred and
fifty thousand dollars of equity if you're over sixty, and that's a lot of
equity. But the definition of a residence, because you brought this up,
it's more than just a house, right, Well, the homestead or dwelling
is widely defined in the statute. So it could be things like a houseboat,
or a trailer or a trailer coach, mobile home. Oh, like
a motor home, a big motor home. Yeah. It could even be
a shipping container if that's what you live in. Wow, it could be
a yurt. So if it's a primary residence, it can be covered up
to three hundred and fifty right. Okay. Now not vacation homes though,
right. Not second homes, not at all? Okay? Can you switch
what is the first home in a second home? If someone starts coming after
you. If you have like an expensive home in the mountains and you have
a primary residence in Denver or somewhere else, can you switch you if you
sniff lawsuits coming, can you go to the more expensive house and call it
a prime and switch your primary residence. It's the house that you intend to
be your primary dwelling, and you can switch that even, right, And
a married couple can actually split have two if they're both owned Wow, jointly
you can claim a homestead exemption on two homes. Wow. So you can
have two joint homes. Your wife has one primary residence and you have another.
Right if in fact each one has uses the separate house as their primary
residence. Well, use and declare are two different things. I mean,
I doubt that the trustee is going to go check the bedrooms to see you
sleep in there. Well, when six figures of equity is at stake,
people will look into the facts of eventually, Actually, how did you use
the residents? You can be gone temporarily. It doesn't have to be occupied
like all the time, But as long as you have an intent to return
after a temporary basis, it can still be your primary Then what about when
it comes to HOA lawsuits against condo people and town home people, because that
happens a lot with leans, do the hoay's supersede homestead exemptions? That's a
good question. In other words, hays are forever threatening to take people's places
for violations when fees add up. I'm not one hundred percent short of the
answer. I think that if the HIA documents include a homestead waiver, then
it would be oh oh oh, so that you can actually then wave it.
You can wave it if you bought an expensive boat or ca. Yeah.
The only type of lane that I know automatically goes outside of the homestead
exemptions. It is a federal tax lane. Right of course, taxes,
I mean I imagine state taxes too, I imagine any taxes. I'm just
not sure about the HOA lean. So that's a good point, though.
You need to look for those waivers because there are many times you could sign
a separate document waiving your right to a homestead exemption, which would give the
creditor a right to come after it. Right when you sign a mortgage or
a DTA trust, it's going to be buried in the fine print, probably
on the last page where it says homestead waiver. And maybe do you think
regular consumer lenks might start doing that because it is such a big yeah,
I think so. Anyway, you look for that, that's something that people
and then of course if you do oppose it, people are going to ask
why are you opposing it? I mean, in other words, why would
you oppose the homestead waiver if you plan on paying me really. In other
words, that's a good point. They could say, well, we're not
going to loan you the money. I mean, if you list your home
equity as an asset on your loan application and you're showing and that's one of
my assets. In fairness, that's something that the lender ought to be able
to recover against if you're using it to justify the loan. Okay. Three
oh three seven one three talk three oh three seven one three eight two five
five eight eight eight. Heating dot com has the risk free service fee of
just twenty eight bucks to service any one item in your house. Now get
this. Once you do that, they come to your house for twenty eight
bucks, and if you need anything more, they will then credit you the
twenty eight bucks risk free service fee from a company I know and trust eight
eight eight heating dot Com. Go with a sure thing Denver's Best roofer Excel
roofing dot Com. You don't pay a cent until you're content. Time furniture
check up free, no obligation. In comparison, call compass insurance paying too
much your coverage at dozens of insurance companies find out now three oh three seven
to seven to one help you'll think you're his only customer when you choose Frank
durand the real estate man dot Com to list your home with Remax Alliance.
Three all three nine two zero sixteen twenty two. Hi Tom Martino, welcome
to the show. Three oh three seven one three talks seven one three two
five five. Let's go to William. He has an issue with an extended
warranty and people. You can also call three oh three Martino during the show
after the show tonight, anytime, and we'll get back to you. Three
oh three six two seventy eight four sixty six. Hey William, what's going
on? Oh? Thanks for taking my call. Yes, sir, I've
got a tackle two doAnd thirteen forty four and if we bought a seven warranty
on it years ago before I knew that, Don Martino said a bad thing
to do. Well, I don't like them. Under most circumstances, I
don't like them. So what how many miles eighty three thousand? Well that's
low mileage. Yeah, it's really good car. It'swiice car. We took
it in to get it serviced. The shop got the whole of us.
Said, hey, you're they call it a PTU since it's an old wheel
drive car. But it's basically the little transfer case. Okay, there's never
been any drips, but it's the output chet seals starting to fail. Well,
they're kind enough, they do this work with these companies, so they
started playing for it. The inspector who's a contractor, he had worked for
the company. He comes out, does the inspection, but in his report
he said something up to the point that it's cracked. Day. Well yeah,
and you know he advises it an easy replaced. Well, they do
not cover a cracked engine block or anything like that unless it's a mechanical failure
that it causes it. But they do, however, cover seals and gaskets
up to one hundred and fifty thousand miles. Well, because he said it
was cracked and they didn't really look at the pictures very good. I'm like,
they show a crack and they've denied it. I've had it up in
the driveway last weekend, exceptionally beautiful pictures and there is no crack. It
just shows that I've done enough gear bosses of my life that it shows the
capillary movement of it. It shows the wet where it's coming out of the
seal. But since somebody put cracked and I have called them and I've talked
with them extensively, and they won't do anything. They won't open another claim.
What is my recourse. I'm going to replace period. I mean,
I don't wait for the fail now under the terms of the warranty. Under
the terms of the warranty, if it how okay, they would replace the
seal, if it was just the seal, right, well they have.
It is a common failure that I understand that I'm asking you this. Under
most extended warranties, they won't cover seals. They will say that's normal wear
and tear. So tell me you have one of the rare ones that will
actually cover seals. Yes, you're absolutely sure, because I've never heard of
one that covers normal seals unless they're blown out. I've read it back and
forth and under the powertrain it says they cover seals up to one hundred and
fifty thousand nigh. Okay, okay, good, that's excellent. Now you're
saying they're turning this down because of a so called crack that's not there,
and I believe it was probably done on purpose, where they don't they didn't
want to cover it, and that this guy is probably he probably gets paid
on how many claims he can get denied. What I'd like to know is
what's the name of the warranty company? Endurance is what endurance? Is it
a warranty or is it a service contract? It's an extended warranty of the
vehicle. Okay, here's them. One time we had something went out and
it was a freeze, an absolute breeze, and it wasn't a big job
done. Now, how much will it cost to replace this seal? Well,
once again where I's going, They do not. It's the non rebuildable
part as per oem, so they just replaced the whole thing. Will be
Well, do you think your warranty would have to replace the whole thing?
Because your warranty says seals. So if the seals can can't be warranted,
can they pro rate the new one and just pay for the seal part?
That's first of all, that's what the warranty. Well, here's whatever they
would cover you're entitled to if this guy made a misdiagnosis. That's the bottom
line. Whatever they would cover. So what is your recourse? Your recourse
is to have us fight with them, but they don't care normally, or
to take them to small claims court for the cost. That's what I was
looking for because I can have it repair, take the part, have a
certified inspector inspected, more pictures and whatnot. And that's what I was wondering.
Can I take it for it? Well, you can, and you
can't. If they have an agent here in town, you can. If
they're not here, I don't have to go where you have to go where
they're located. Okay. The number we got to contact with somebody was a
three H three or a seven two zero, I believe. Okay, well
that's good. If they have many of them will have an agent here because
they're doing business here, and you can serve that agent the registered agent.
So just look it up at the Secretary of State. I believe you'll win
if you can show there are no cracks in that thing. I believe you're
going to win. That's exactly where I'm going with it, and I needed
to I needed your stamp. But here here, let me explain something to
you. You have to show there are no cracks. They're going to try
to make a settlement with you. But you have to explore the part of
your warranty about replacing it. And I don't know if you replace it with
another used one or a new one or you I don't have your warranty,
so you're going to have to figure that one out, okay, And then
and then you see accordingly for your damages, not what you you know,
not just you know, getting a brand new one now maybe a new one.
I don't know. And have you have you tried contacting the inspector directly
to see if he'll change. I have. And it was the inspector that
said, you know, you need to go through you need with the well
hold on, does he maintain it's a crack. He does not maintain it's
a crack. He said. The only way for them to do it again
is I have to go back to my shop. My shop has to call
the warranty provider again start a new claim. You know, but my pictures
or whatnot. It says, well, why don't you do that? They
won't do it. They have. I've been that route and I got contacted
by the shop Yesterdy and says they told them this is it, it's over,
it's done. We won't go We won't shore food twice? Basically,
yeah, you know what that man. I just hope people are listening to
this. There is no way, there is no way that people should get
these warranties because they suck. They absolutely suck. How much did you pay
for this warrant? How much did you pay for it? Oh? It
was eighty five dollars a month for I don't know how many years. That's
not an extended warranty. What that is is a service contract. Well,
okay, extended warranties are not purchased by the month. They're just not well,
they're purchased with a lump sum. If you're paying by the month,
it's a service contract. Totally different animal. So, I mean, it
doesn't matter what it is. If they did you wrong, they did you
wrong. But you said you paid so much a month. Are you still
paying it? No, you pay when you either could pay it all at
once something. You can pay it so much a month for so long and
then you're done. Oh, I mean it's been paid for a couple and
it's been paid for like a year and a half. That okay, it
might be then that okay, that might that might be an extended warranty.
I don't know what you had, but but in any case, you're on
the right track of going after these clowns three all three seven to one three
talk seven one three eight two five five. Okay, so we have more
coming up on the Troubleshooter show. Waterpros dot net. Get a whole house
water purification system for around I don't know thirty five hundred bucks to get rid
of everything you need to get rid of in your water and make it pure
and healthy. Three oh three eight six two five four. Go with a
sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent
until you're content. Time for an insurance check up free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of insurance companies find out now
three oh three seven seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen twenty two hights To'm Martina
here threeo three seven one three talk three oh three seven one three eight two
five five So, David, let's talk about Johnson's auto sales. What's going
on? David, welcome. I had some issues with my pickup, so
I have to shave the pick up twenty twenty, and I had some issues
with the lifters. So I took it into their dealership over here, and
they told me they did their diagnostics and everything, and came back and told
me that I had a bad lifter on number seven cylinder. So I asked
him how much you did charge me to fix it. They ended up charging
me six thousand dollars to replace the lifters on my pickup. Wait a minute,
all the lifters were replaced for that. Now, this is what they
told me. They told me they replaced all the lifters and they charged me
six thousand dollars. Now you have that in writing, Yes, I do,
okay. They So then when I went in and talked to him,
they told me that they only replaced the lifters on the driver side. Are
you clear? Are you really clear? On your invoice it says all lifters.
It says right here. I can read it to your word for word.
Read hold them. This is interesting because that's like a contracts Yeah,
David, and okay, go ahead. So this is something to do on
the on the invoice here, I'll tell you what. Hold on a second
day. Just hold on. I want you to read it over and then
find the place where they violated what they said they would do. Six grand
to me, sounds like they should do all your living? How many?
How many cylinders? Is this? Is this an eight? Hold on a
second Also, Kachina, could you get Kevin Calkin on or Jeff Jeff Vick.
I want to try to get one of those on to comment on this.
Three zero three seven to one three talk. Meanwhile, while you're looking
for that, I'm going to go to Chris, who has a comment on
extended warranties I just talked about. Go ahead, Chris. Hey, Tom,
are you good man? What's going on? So? I've been in
the service industry, automotive service advisor for like twenty five years, Okay,
I would I would suggest just because one repair can cost almost what a service
contract costs you. An AC condenser, for example, uful is twelve thirteen
dollars. A compressorsor is another thousand. I heard the comment about the guy
with the Ford with the transfer case. Now most of these extended warranties will
cover all the seals. The inspectors, from what I've talked to over the
years, they don't get paid if they find something that they don't have that
the warranty company doesn't have to pay for. However, the service writer in
this aspect should have gone to bat for the customer with the warranty company and
explain the situation. Because if you don't do the work at the repair shop,
the service writer is not getting paid, You're not taking care of a
customer. Thus you lose a customer. It's just bad all the way around.
But Chris, do you think do you think that the service writer should
have argued with the adjuster at the time. Absolutely, I agree that that
would be a good thing to So he doesn't even submit the report to begin
with. Well, and if he was a good service writer, I go
back with the adjuster and I show him and if he goes there's a crack,
and I say, show me, show me the craft. And a
lot of those adjusters they are ex mechanics, but a lot of times they
don't look hard enough. And you should have the mechanic who originally looked at
the car that's working at the shop with you explaining things, because most of
these adjusters are really easy guys, easy to get along with. You know,
they're they're just there to look at something, take some pictures right what
they see, and send it in they get paid. Now, Chris,
Chris, let me ask you something. Do you really believe that, in
most cases you've seen the service contracts or the warranty, whatever you want to
call them, they come through for the consumer most of the time. Or
do they fight like that? Okay, I can give you a perfect example.
I had one in twenty nineteen. Suburban had check engine light misfires.
It needed camsh acting lifters. Just like the guy that was just talking to
you. It was a seven thousand dollars billiay to put camshaft, all new
lifters, all the gaskets. A month later, light came back on with
the same code low oil pressures misfires. Put an oil pressure center and an
oil pump in. Months later, it came back on. It needs an
engine because there's debris from the camshaft, delaminating metal going through the engine,
plugging the oil ports, on and on. And what happened, Well,
they originally didn't want to put an engine in and I said, look,
this is nobody's fault because I gave him the option to put an engine in
when it first came in. They said, oh no, no, no,
we just want to do what it needs. I said, okay,
fine, I dot did they keep paying? Did they keep paying? Yeah?
What was the name of that one putting the engine? Was fourteen thousand
dollars? No? No, what was the name of the warranty company?
Oh? Ally, Ally, Ally, They're a very good company, are
very easy to now, Chris. I also have had reports from some of
my own sponsors that people like Carshield hardly ever pay. Ever, there are
some very bad extended warranty companies out there, very bad. I'm not gonna
lie to you. When people buy this, a word of the wise,
don't buy it on the internet, don't buy it buy a phone call,
don't buy it from a postcard. Go to the dealership. It may be
a few dollars more, but the dealership will stand behind the warranty that they
sell. And well, if it's a good dealership, if it's a good
dealership, it will You're right, Chris. While I have you on the
phone, I want to ask a question. The guy that said he had
his lifters replaced for six thousand dollars. Mm hm. How many lifters would
you expect to get replaced for that price? All of them? Okay?
Now that's on an eight cylinder, So how many lifters would that be?
Is that two for each? Or is that yes? Sixteen lifters? Okay,
if they're doing the lifters, chances are if it's a GM product,
because it's kind of a problem with gms, the lifters, the roller lifters
kind of delaminate the camlobes and they start the camlobes flake off or the rollers
on the lifters flake off, sending metal through the engine. Okay, so
but Chris company, Yeah, I gotta I gotta move on, but I
listen. I really like this call. Feel free to call in at any
time with your expertise. Kevin Caulkin, I want to since you're on from
Sheridan Auto Tech. This guy was totally need lifters. Now, David,
I want to bring David up. David, how many lifters did they end
up doing for that six grand? Okay? On me twenty four the original
invoice, so that says sixteen lifters total of one and seventeen dollars for the
lifters. Okay, So well I thought you said six thousand. Yeah,
yeah, No, that's that's just for the lifters right there. That so
there's also charging for the gaskets and everything that goes with it to replace those
lifters. You know what I mean. But hold on now that here's what
I'm asking. The total job to replace your lifters was quoted at six grand,
Is that right? Yes? Yes, and that's for eighteen lifters.
Sixteen are six at sixteen, that's right, That's what I meant. Okay,
So but you're saying they actually only replaced how many four? How do
you know that? Oh? So that's been half okay, So so this
was on This was on May twenty fourth. They gave me my trust back.
I had it for four days and that same cylinder went out again.
So I took it back to him. David. I don't need the story,
just need to know this. How many actual lifters did you end up
getting done for? Six grand? Thirty two? Thirty two? They did?
Okay, they said hold on a second, man, just hold on,
hold on, just hold on please, I am so thirty two.
Yeah, listen, So they charged me for sixteen the first time fourteenths later,
I took it back. What's the same problem. They opened it back
up. They said that they hadn't replaced lifters again. And that's when they
told me that they had only replaced the lifters on the driver side, which
was take hold on, David. The first time you paid six grand,
they only replaced eight even though the contract said sixteen. Is that correct?
Okay? Then you were shorted on the first repair, then you went back
for the second repair. How many did they do? They told me they
did sixteen again, And how many did they actually do as far as I
know? And what did they charge the second time to replace sixteen? Well,
here's a catch. How much did they charge the second time for sixteen
lifters and then charge me the second time? Okay? Then did they finally
replace all sixteen lifters? No, they replaced the whole engine. Okay,
hold on, we'll come right back to you. Now, God almighty,
now we're on the whole engine. Hold on, go with a sure thing
Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're
content. Time for an insurance check up free, no obligation. In comparison,
call Compass insurance paying too much your coverage at dozens of insurance companies.
Find out out now three all three seven seven to one help. You'll think
you're his only customer when you choose Frank durand the real estate man dot com
to list your home with Remax Alliance three all three nine two zero sixteen twenty
two. Hi Tom Martine, you're troubleshooter three old three seven one three talk
three O three seven one three eight two five five. Welcome to the show.
Let's talk now, Kevin Calkin, I need to have you listen to
this, but I just want to sum this up because we heard a lot
of information we don't need right now. Right now, all we know is
for six grand, he has sixteen lifters replaced. Sure he had to go
back, it doesn't matter. That's what he had done. But now they're
saying he needs a new engine. So, David, are they willing?
Why are they saying you need a new engine? That's the part they need
to know. Don't go back in time. They did sixteen lifters, six
grand, Why now do you need need a new engine? I got the
truck back drove four days the same problem happened, backfired took it back in,
they took it apart again, found that the camshofts have you laminated and
was pitted and so was the number seven lifter on the on the mot okay,
So David, are they taking any responsibility for it? Or are they
willing to credit you the six grand for another engine? How? What are
they saying? So they said they were going to replace that stuff, right,
so they did. When the check was putting an engine back together,
he shipped the bullet off in the motor. And are they willing to do
anything toward this new engine? So they're saying it's all on you, and
that six grand you spent is out the window. You're going to replace the
engine and it still doesn't It still doesn't work. David. Did they charge
you for replacing the engine? No? See, you got to answer my
questions accurately. You told me it was all on you, then you said
they didn't charge you. I can't get an accurate answer. Go with a
sure thing Denver's Best Roofer Excel Roofing dot com. You don't pay a cent
until you're content. Leave time for an insurance check up, free no obligation
comparison call Compass insurance paying too much your coverage at dozens of insurance companies.
Find out now three oh three seven seven to one help. You'll think you're
his only customer when you choose Frank durand the real estate man dot com to
list your home with Remax Alliance three oh three nine two zero sixteen twenty two
ripped so you don't have run anxious as fast as you can. Show Shooter's
gonna help. COMEX is the Troubleshooter Show. No Tom Martinez, Hi Tom
Martino here three O three seven one three talk three old three seven to one
three eight two five five, Welcome to the show. We got Brad O'Brien
with me. He's a real estate O'Brien a real estate attorney at O'Brien Legal
Services, and we did talk a lot. I'm going to retap about certain
things and I do have some other questions. We also have Kevin Calkin waiting
to make a comment on this one problem and listen to folks. Sometimes these
problems are not as first represented. But the bottom line, I just want
to sum this up because every time I asked David, he says I had
to pay for it all. Then he says, no, they did it,
and really, if you listen to the call, I swear to God
we should have gone right to it. And this is what it is.
They attempted to fix his engine and failed to by replacing lifters. So then
without charging him another dime, they did the lifters twice and now replace the
engine. Okay, that's where we are right now. So what is the
problem now, David with the replaced engine. So far, you have a
total of six invested here right, yes, and you have an engine.
Is the engine rebuilt? Is it use or is it new? Okay?
Now tell me your problem right now. Okay, So I'm having the same
problem. Okay, So the day I took that my truck after they supposedly
changed my engine, they had a cam shaft and sixteen lifters right then,
and they and they told me they changed the motor. I'm having the same
problem with the motor again, and the same exact Hold on, you're having
the same exact problem, the same exact problem. I have no power,
the same problem, exact problem now, motor, Why would you hand me
lifters and a cam shaft? I don't know almost let me ask. I
don't care about that part David, here's the questquestion. Just don't fog it
up. Here's the question, did they replace the engine or not? I
have no idea. Well, there must be a way of telling Kevin Caulkin.
Kevin Caulkin, how would he know if they replaced the engine with a
rebuilt or not? Well he didn't look at the block and other components and
see. Okay, David, David, hold on, please, David,
you have a way, David. I want to help you, bro,
but you have a way of just complicating things. Right now, there's one
question, did they replace your engine or not? Go ahead, Kevin,
Yeah, and it's something we can do a quick inspection and determine if that
motor's been replaced. Absolutely, okay, David. There you go a free
inspection to find out. Then we can take all the guestwork out of it.
And then the question would be this, Kevin, if they did replace
it, why would he have the same exact problem? He wouldn't. That's
not really possible. No, No, it doesn't sound like they were doing
it right from the start. I mean, you never replaced lifters without looking
at a cam and other things. It just it doesn't work out. And
I think that's why they replaced the engine for them, I think, But
I don't know how they do all of this for the original six grand.
No, that's that's pretty tough to do. I mean, how many miles
were on this It had one hundred and thirty thousand, So why would they
do even Listen, even if they did, the lifters wrong to rebuild that
engine and not charge you a little bit of betterment on top of that six
grand? Like, there's something not making sense except this. We have gotten
a lot of complaints about Johnson, so you're not the only one. David.
We don't know what's going on. But if I were you, I
would start with an inspection from Sheridan Auto Tech to see what the hell they
did. That's what I would do. I'm happy to do. You have
an invoice where they say they replaced your engine. Good, hold on a
second, Kashina, get him Kevin's information shared an autotech dot Com three oh
three four five five seventy two. Kevin, this would be a good one
to check out to see what the hell we find This guy is all.
Yeah, I feel bad for him, but we've had some issues with Johnson.
I don't know what's going on up there, but we've had some issues.
Kathleen now wants to talk about Wells Fargo. Kathleen, what's going on
with Wells Fargo? Yes, Sir Risally. In November, my mother and
I stepped into the bank tooply for credit cards, and I told him my
mother lost her hearing aids. They asked her a question, and then they
said she didn't understand the question. That she did, They asked her why
she wanted a credit card. I'm working on our house to sell our house,
and she Stephanie called over Jesska. She said, we're refusing your mother's
service as well. And I said, write me in outse and my friend
in New York will step into the bank and handle with a note. And
Stephanie said, no, we're going to call the police on you. Have
you bodily removed the two of you. Wait a minute, Wait a minute,
how did this turn into we're going to go to the So wait,
you and your mom wanted a credit card? They didn't like what they heard
from your mom. And let me get this straight. After that, you
said, what after after they turned you down? You said, we have
a friend in New York. Yes, he's a he's a movie producer and
investor rolland bets and I was and tell me what but what so? So
I don't understand how his name came up. You said, well, I
have a movie producer friend or something in New York and he'll tell that.
I just said, I have a friend in New York who I'll send him
the note and he can step into the bank and give them the note.
Is why you're refusing my mother's service? Well? Did this sound like a
threat to them? Like a gangster? Hey, I know a guy in
New York. Oh no, I I'm very fliit. I just said,
well, can I have a note? Please? Skating? Why you're refusing
my mother's service? Because my mother said to them? My daughter repeated the
question, and I answered you, I said, I'm applying for a credit
card. Well, did they give you the reason? First of all,
did they give you a reason for calling the police? No? Why they
were rejected? Why was it just your mom applying or you? No?
I had an appointment after her and you were both rejected. Right? Yeah?
She said, Well now that I'm now that I'm refusing your mother sirs,
I'm going to refuse you too. Okay, Now, care about me
that and then my mother started crying. Since that I understood the question.
I was born Razor, I speak perfect English, and I was asked,
why so, what do you tell me what you think is going What do
you think is going on? I don't know, because when they called the
plea, I had also called the police. Why did they call the police?
I don't understand why someone would call the police. Yeah, they said
I was causing a disturbance by asking for that note. Wait, were you
just talking very calmly like you are now? Yeah, it's I'm sure it's
on camera. Kay. They got angry because I wanted the note. I
said, you're refusing my mother's service. She answered the question twice. You
you well, why does she lose your hearings? I don't she just happened
to lose your hearing And hold on a second, hold on a second,
you know, just so you know, they don't have to they don't have
to do business with you, Okay, But what I'd like to know is
this, why don't you just apply somewhere else? Well, the thing is
we've been with them eight years and they refinanced our house orry eight hundred thousand
dollars home in twenty twenty, and they've boss been kind of yeah, that's
why. And Stephanie, I said, you were rude enough making my mother
and I wait forty five minutes, just sit and shoes you see. Okay,
but you know you can't make them, you can't make them do business
with you. Right, but you go on a different branch of Wells Fargo.
What's the big deal? Well, why why bother just go online and
get a freaking credit card? What's the biggest real like, that wasn't the
problem because we've always done business with them. And I asked Jessica, so
what would you like? Then? You want us? You want us to
contact Wells that's the problem. No, that's not the problem. So when
they called the police, I happened to know the police officer Cooper. We
stepped outside. She said, this is a ridiculous, Kathleen. I was
complaining, which I did. Al Fargo sent me a letter saying my mother
continue, continue being a customer, and I couldn't. Then there's another letter
apologizing. So what happened is just two weeks ago. I didn't realize why
we were having problem getting her balance. And then they said, well they
canceled your mother's debit card. I said, why do the suspicious activity?
Did she go to the seven eleven? Yes, and she I said,
she tried to withdraw money on her overdraft protecking fine reclines and they declined,
so we said forget about it anyway. So her social Security check came in
on the third and I called them and they said, well, we put
a freeze on your mother's account. Why don't you just well listen, Kathleen,
won't just close everything and move to another bank. Yeah, they won't
let us. We went six times to the banking comrace. Wait a minute,
how much is in the bank that they froze on? Seven dollars and
they say they're going to keep it. Yeah, what happened? My mother
says, Look, did they say they're going to keep it? Yes,
okay, they did so they said, we're sorry, Kathleen, We're just
going to keep your money and close your account. No, they released it.
I just got my check. Hey, on your mother's account. On
your mother's account, they just said we're going to keep your mother's money.
This is what they told her the first time before, the first time we
went, they said, just show me, show your idea with mother's ID
and we'll release her phone. And they didn't do it. We did what
the banker said, tried to cast a check a King super n again.
So six times we went, sixth time we went. She said, I
don't understand this. Catheline and Margaret. So she called the banker. He
refused the office. He talked to her and he said, well, tell
me is Gara. The only way that we will release her funds is she
comes back with her Xcel Energy and Denver water bill and her mortgage and we'll
send a check to them. Okay, the only way we're going to release
her funds. So my mother started crying and said, look, I just
want my money. I want to close this account. I'm going to another
bank, my daughter's bank. And he said, no, we can't let
you close your account now. We're not going to release your fund all dogs,
Kathleen, All you have to is when you open up account or another
bank. No, but hold on, hold on, hold on transfer.
If they won't let them have the money, the account is frozen. But
Kathleen, Kathleen, I want you to know something. This You're not the
only one this is happening to. This is happening. They just settled a
billion dollar lawsuit. I know this is happening Bankatoon. He closed his account
because they kept five thousand dollars three months. This is happening all over the
country. I promise you, I don't know why, but these the closing
down of bank accounts and the keeping of the money is happening all over the
country, all over. Yeah, a billion. What I would do if
you want to go through the trouble, I would sue them for it.
In small things, but that's what I would do. I would make their
asses go to court, because what they will do is they will settle with
you and pay the money. They will, But we can have Deputy Doc
call over there. Doc, we should call over there. This is ridiculous.
This is happening too much. I mean, Kathleen, all that story
about the credit cards and all that was all smoke and mirrors. The bottom
line is this, if they close down your account for suspicious activity, they
can't just unreasonable, unreasonably keep your money. This is a trend happening too
much in the banking industry. It's happening too much, too much. What
they and they won't tell you. They won't even tell you what the suspicious
activity is, will they? Well, they talk on my mother's part.
They said it was the seven eleven, and my mother explained to them,
yes I went, my daughter, But what was it about the seven eleven?
They didn't like. I don't know. They said why it was suspicious?
Because why did you try three times? She said? Because why not?
I went on only one hundred dollars for my overdraft? Wait? Why
so did she wait a minute? Did she go to an ATM machine?
Yes, that's the seven eleven, two blocks from us, you know,
okay? And how many withdrawals did she make from that seven eleven? Well,
she tried three different times and got nothing? Okay? And why because
her debit card was canceled? No, just speak. I don't know why
because before she's been able to withdraw in or overdraft section. See why was
she rejected three times at seven eleven ATM? Why? We don't know.
Well, if she was entering, if she was entering her PIN number wrong
or something that would be suspicious, that would be no, she did it
correctly. How do you know because it's her birth year? What what reason
hold on? What reason would did they give her for not going through usually
doesn't it say what does it say? Does it say improper pen what does
it say? No? They accept as a pin number and just decline,
just decline. Yeah, because there was insufficient funds. Yeah, were there
in hold on, Kathleen, thank you dragon. Were there insufficient funds?
No? Because they let her withdraw last month up to five hundred dollars on
her over No, No, that's it. Hold on, Kathleen. I
just asked the question, did she have money in the account or not?
You know, I think she only had twenty five dollars. Okay, that's
what the problem is there. There's the suspicious activity. So that's what she
has draft I can no, Sorry, Kathleen, that's not an automatic loan.
They're allowed to shut down. I'm sorry. Nope, it's not for
intentional it's not for intentional withdrawals. It's not for intentional withdrawals. Overdraft protection
is when you make mistakes. I'm done, sorry, bye, Kathleen.
Sorry. Three oh three seven one three talks seven one three eight two five
five Go with a sure thing Denver's best roofer excel roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,
no obligation. In comparison, call Compass Insurance. Pay too much your
coverage at dozens of insurance companies find out now three oh three seven to seven
to one help. You'll think you're his only customer when you choose Frank durand
the real estate man dot com to list your home with Remax Alliance three nine
two zero sixteen twenty two. Hi Tom Martinez here, three zho three seven
one three talk three oh three seven one three eight two five five you know
again, we want to talk to you, We want to help you,
but listen. If you're off base and full of crap, we're not going
to help you. I don't know, but at least you'll know you're off
base and full of crap. How about that? And I'm kidding a little.
I know you don't call here to be insulted or preached too. But
truly, over draft protection, let's examine that. It's not alone, it's
not overdraft protection is not a pre approved loan. Do you see the difference?
She was using it as a preapproved loan. It's not. It's not.
Every once in a while you write a check you don't have the money,
or they crisscross deposits withdrawals. It'll protect you. It's not meant to
be alone. And her mom went, knowing she had twenty five bucks in
the bank and try to withdraw rent three times. Well, okay, that
was suspicious in the eyes of Wells Fargo. Trust me, I'm not look
good. I know banks are exaggerating. A lot of banks are doing this
to people. They are closing accounts for so called suspicious activity, but then
they don't tell you what the suspicious activity was, and they don't give you
a way to remedy it, and they keep your money. But one thing
I didn't understand in her story. If she only had twenty five bucks and
the account was frozen for suspicious activity, then why did she say she had
more than one thousand dollars they were keeping. Did anyone pick up on that?
I meant to ask her that she's not still on the line. Is
she no okay? Because she said, well, my mom only had twenty
five dollars, she is back good. I want to ask that question because
I didn't understand that part. Kathleen. Here's the part they don't understand.
They froze her account because she tried to take withdrawals out with only twenty five
dollars in the account. But then you said, now she has one thousand
dollars in there, they won't let her get access to I don't understand.
How can it be both? That's that's what you asked, and they froze
it because of this fish sect you. Then they on froze it and allowed
the Social Security to send a check to the account while they do every month.
Oh and they said it's under reviewing. And my mother was this so
wait a minute. So after she tried, after she tried to get that
money from the ATM, Social Security deposited a check for seven dollars. Yeah,
every mindy did they say she can get that money? They said she
can't. Well, okay, she needs some money to pay our bills.
And we're like, oh, wait a minute. Okay, So they said,
Kathleen, I want to get this straight before I have somebody call.
Are you absolutely positive? They said she can never get her money? Yes,
or I can even give you. Even the banker Acoma City said this
is ridiculous. You need to release missus. Doc. Will you call this
banker? I mean, are you sure? They didn't say, Kathleen that
she could get the money after a review. No, they said that they
released it. They told the banker they released it, and then they changed
your mind and said no, only she brings her bills at her mortgage and
we'll send checks to her mortgage company. No, No, that's not good
enough. They should be able. She should be able to withdraw for any
reason she wants. They can't send them money. Why she said, that's
my money. I'm going to close my account. I don't further want to
be with this bank. I've been eight years with this bank, and they
said, no, we won't let you close your counties. You know,
Doc, Doc, can you get to the bottom. Doesn't sound right.
I'll call them Tom, Let's get to the bottom. Hold on, Kathleen.
Kathleen, I understand why they shut down the I do understand that part.
Okay, let's not even argue about that, Doc. They shut it
down for suspicious activity. Here is the main problem, okay, is why
they won't let her have access to the thousand dollars that was deposited by Social
Security. That there is no excuse for Wells Fargo keeping one thousand dollars of
this woman's money. Absolutely, I don't know I don't know if she's exaggerating
when she says they refuse. I don't know anyway. Three oh three seven
one three Talk three oh three seven one three eight two five five. Brad
O'Brien coming up. I want to talk about this. I got a text
on it if you want to weigh in on it. But I'm going to
ask you just first. Have you had any people contact you since this just
cause law went into effect? The just cause? Do you know what I'm
talking about? Sure? Okay? Have you had any cases? Whether are
people asking about it? It hasn't really started up just yet, but I'm
sure it will be coming. Yeah. I want to clarify what it means
and what it doesn't mean. Coming up, I'm Tom Martine three oh three
seven to one three Talk three oh three seven one three eight two five five.
Go with a sure thing Denver's Best Roofer Excel roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,
no obligate comparison call Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three all three seven to seven to one. Help
You'll think you're his only customer when you choose Frank durand the real estate man
dot Com to list your home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martine, your troubleshooter. Renew Home Innovations will
do beautiful bathrooms, shower to tub conversions, I mean tub to shower.
They have beautiful tub to shower conversions, getting rid of that old ugly tub
shower combo. And these are made for your movements, custom made if you
want, and they have lifetime warranties on these wall systems that never need maintenance.
No shower doors, no thresholds, perimeter drains, benches, soap dishes.
They're beautiful at great prices with seventy two months to pay no interest.
That's three oh three nine zero four two thousand. That's married seventy two months
to pay with no interest. Three h three nine zero four two thousand.
Welcome to the show, folks. We have plenty of times for calls.
We've been taken at three oh three seven one three talk three oh three seven
one three eight two five five. So I was casually looking back on my
calls, and we've had more than a few of banks shutting down your account
for so called suspicious activity. Now, there might be suspicious activity here and
there right there might be let's say someone did try to hit your ATM,
or let's say something online was suspicious or whatever. I can see no circumstance,
and I wish if someone is in banking or financing, can they weigh
in on this please. I can think of no circumstance where the owner of
the account cannot go into a bank with identification, close the account and take
the money. Why under what circumstance could you see a bank not allowing that?
Where Why even if there was suspicious activity, Brad, you're an attorney
again, I mean, I'm curious if you haven't accounted a bank and they
say, oh, you know, Brad, somebody tried to hit up your
ATM, or somebody tried to use this or that or your debit card online
and we shut down and we froze your account. Okay, fine, Now
you go to the bank and you say, you know what, You're right,
there might have been some suspicious activity, but you know, I really
don't want to wait for an investigation or everything. And here's my ID since
that is my money. It was just deposited the other day by SoC social
social security or whatever. I'd like to just close the account. Can you
think of a reason why the bank was that you can't close it? Are
they afraid more withdrawals might come in on it or what? What do you
think? Well, if they haven't resolved the security situation, they're not sure
if if you're the right person to receive the money. But if you were
the one that opened it and they have your ID and all that on file,
or they have your signature and you go in with proper ID and your
signature and all that, you should be able to close that account. So
they must be saying, before we let you have the money, we want
to make sure that you or someone else did not hit up your account for
more money. Yeah, sounds like something that is an issue with a larger
bank that has different departments, and so maybe when the account gets frozen,
it goes to a certain department that has to look at it, and it's
kind of stuck in that department until they get to the bottom of it.
But I've been hearing about this more and more, and I think what it
is. I think their automatic algorithms are something that trigger what they consider suspicious
activity. The problem is is they don't tell you exactly what the suspicious activity
was. They just said, we've had suspicious activity and we're freezing your account.
I'm gonna tell you, Brad, We've had at least seven or eight
calls on this. I mean, it's not a small thing, and people,
some people have been waiting three months to get their money. I just
think it's it's horrendous. And where does this money sit? I mean,
is the money? Is the bank making money off that money, just letting
us sit there. I don't think the bank is consciously saying at their in
their meetings, hey let's freeze a bunch of accounts that we can make more
interest on them, you know, so they can't pull their money out.
I doubt there's a conspiracy going on, but there's definitely something going on that's
not fair. It's just not fair. They have to have a more expedited
process. In my opinion, if you're going to freeze my money for an
investigation, then I think you have an obligation to do it quickly. I
don't know why they would wait three months? Do you can? You think
it just sounds like bureaucracy, and yeah, exactly, requirement exactly. Anyway,
if anybody has had this situation, I'd like to hear from you,
because it is happening all over the country. Okay, Jeff your turn.
What's going on? Jeff? Hey, Tom, how are you, good
man? What's going on? So? I called yesterday. I was asking
Mark about public adjusters for a roof damage that was happened during that last tale
storm up here in north and that's thort. Yeah, and I just want
to know what your opinion of you one will think. I don't think there's
a downside if you have an honest one, there's no downside because if you
call an insurance adjuster a public adjuster, by the way, they're called public
because they work for you, and what they do is they look through your
insurance policy for look for reasons things should be covered. Where As an insurance
adjuster who works for the insurance company, not a public adjuster, but an
insurance adjuster. They even call them sometimes independent adjusters, but they work for
the insurance company. Their job is to look at your policy and find ways
not to pay. So that's the difference. The public adjuster is looking for
ways to pay the insurance adjuster is looking for reasons they should not pay.
Now, here's what happens with a public adjuster. If they're honest, they're
going to say to you, hey, Jeff, this claim is small.
Put a claim in with your insurance. See what they are for you before
you hire me. You may not need me. That's what an honest adjuster
does. In fact, what I would do in all cases, what I
would do personally is simply put in a claim first, and then if I
feel they're holding back or not being I'm not being treated fairly, or I
would have an adjuster look at it no matter what. And then a good
public adjuster won't charge you for that. They'll look at you and say,
you know, Jeff, you have a lot more money coming in my opinion,
and then they take a small percentage of the extra. That's the way
I would handle it. I would get my first blush offer from my insurance
company, then hire a public adjuster. If there are any kinds of other
things involved, I would hire like a big loss and just have them look
at it. It doesn't cost you anything for an honest public adjuster like Paragon
Services to look at a claim and to see if they can do better.
Okay, okay, So, and it's more obvious to use a public adjuster
as you get multi items not just the roof, you know, like multiie
or it's a messy, messy storm. Do you have any insurance damage right
now? Well, I've already had Excel out to look at my roof and
he's he They said that there was definitely damage to the roof and there's also
some damage to my windows. The windows weren't necessarily broken, but the shields
around them have been shattered by some of the What I would do is then
I would call and have them look because a good public adjuster will not charge
you for looking at your claim. Okay, that's what I would do.
Okay. Three oh three And by the way, uh Paragon services you can
find at referrals dot com three O three seven one three eight two five five
go with a sure thing Denver's Best roof of Excel roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,
no obligation. In comparison, call Compass Insurance. Pay too much your
coverage at dozens of insurance companies find out now three all three seven seven to
one. Help. You'll think you're his only customer when you choose Frank durand
the real estate man dot Com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two. Hey, I'm Tom Martine. You're
troubleshooter three all three seven one three talk seven one three eight two five five
hector, what is going on with Wells Fargo? Another problem here? Go
ahead? Okay, Well, the whole situation started and I wanted to get
a new furnace and a new uh AC installed about three years ago. Yeah,
and uh I called six to twenty four to seven because I used them
on my cleaning of the furnace and the Yeah, pretty much the furnace at
the time, and everything was good. I mean, I'd like to work
and everything, but I got I told him I wanted to install it,
and I wanted to get a quote, and I you know you, I
don't have sixteen thousand dollars in my pocket. But anyway, they gave me
a quote, and they gave me a program that I guess Wells Fargo was
the one person that would take the the the cost and I guess through twenty
four to seven. Uh, I got it. It's kind of like a
repair home repair only card or yeah, okay, And so I paid it
off last year and I've had to call. How much was the total on
your card? I think it was eleven and that was that was for a
new HVAC system. Yeah, well it was a I'd never had a AC
and and that's why I only had a swamp cooler. But they when they
replaced the furnace, I had them do the both central air and the furnace.
Well that's a pretty good that's a pretty good price for a new install
like that. Anyway, So what happened. So anyway, they gave me
a card and they said it was for new home projects. And then they
told me, okay, now that you pay it off, you got you
got twelve five hundred, but you can use But I'm trying to get rid
of the card because I can't use it anyware. Tell you you okay,
hold on and let's come back and talk about this. This is a good
topic, by the way, Thank you. And then I have a few
questions for Brad O'Brien O'Brien Legal Services about the new just Cause lease and also
unrelated parties living in the same place, renting, and other kinds of legislation
affecting renters. All that coming up on the Troubleshooter Show. Go with a
sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent
until you're content. Time for an insurance checkup free no obligation comparison call Compass
Insurance paying too much your coverage at dozens of insurance companies find out now three
oh three, seven and seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero sixteen twenty two. Yeah,
ripped news need advis so you don't have come running. Just as fast
as we can. Shooter's gonna help. Come man, This is the Troubleshooter
Show. Now Tom Martino, Hi, Tom Martino here, Welcome to the
show. Three O three seven one three talk is our number three oh three
seven one three eight two five five And I can't tell you enough. Please
call, please, please, please please call when you need help. Twenty
four to seven. Three oh three Martino three oh three six two seven eight
four six six. This hour brought to you by Grossman Wellness dot Com.
I just went there the other day for blood work. Every three months,
I get blood work plus prescriptions and supplements. It's all included. And by
the way, if you ever want to get started, two hundred and forty
nine bucks to just see where you stand, no obligation to continue. It's
a concierge service. It's being very proactive with your health. You oughtit and
you know, look into it. For two forty nine you get the blood
work, consultation and all of the information you need to see if you want
to do something like that. Grossmanwellness dot Com Welcome. So anyway, we
were talking to Hector and about an HVAC account and a credit card, and
he financed an HVAC system on this Wells Fargo card and paid it off.
So that's where we left off the story. Go ahead, Hector, Yeah,
I guess my question was I can't really use the card for any other
home projects other than if I replaced all the windows or something to that extreme.
And I called them out here, well is there any charge to keep
it? No? But I just don't want to. I can I can
cut it up, but it doesn't that going your credit before though, that
it's revolving account. Actually it's a good thing, not a bad thing.
If you paid it off. It's actually better for your credit to leave it
inactive than it is to close it. If you close it, you have
less credit available, and so therefore any credit you use is a bigger percentage
of the credit you have. Let me explain that. You know what I'm
saying. So, so let's just say you have five cards available and you
have a ten thousand dollars limit on each one. That would mean a total
credit, a total credit line of fifty thousand dollars. Okay, let's just
say you had five cards ten thousand each fifty thousand, and if you spend
twenty five thousand and we're making payments on it, that would show fifty percent
usage. Fifty percent usage of your credit line, and that is not bad
usage. However, well it might be a little high. But let's say
instead of five cards, you only had three cards and you had thirty thousand
dollars total, and you had that same twenty five thousand dollars balance. That
would show an excessive use of credit. So credit a credit score is not
just your payment activity, but it's the percentage of credit that you use.
So having that there that account and keeping that card at home in a say
for shredding it or whatever is not going to hurt you. Well. That
was one of my main concerns was that having to having to make you know,
people have too many cards sometimes and that shows that you've got a lot
of debt sometimes no no, I hey, but but listen, hector,
it doesn't work that way anymore. Now, what they look at is not
just they look at the percentage of credit used on a monthly basis not so
they don't care how many cards you have. It's how many you use and
pay off that counts. If you use too many of them, even if
you pay them off, it's showing too much utilization and that's a negative.
But if you only use up till I say twenty or thirty percent utilization,
it's it counts higher in your total FICO. Does that make sense, Yeah,
because my credit was a shot up pretty good. So it's just about
seven fifty five, So it's gonna it's gonna actually help you. Man,
It's by right, and you know, there's nothing wrong with keep it for
emergencies. Right, well, the question was I had I wanted to do
some more projects, but nobody accepts that card. Oh wait, wait wait,
what do you mean accepts it? So what kind of is it a
visa or MasterCard based or what? It's neither? Oh? Home, it's
a home repair card that they gave me when I signed up with six twenty
four to seven to a home repair card. I've never heard of it.
Actually, I thought it was just like a regular card. No, oh
no, no, no, it's a It's not a visa because I even
went to the other banks like West West Era and they told me, well,
if it doesn't say visa or MasterCard, I don't know what kind of
car. See, okay, what company? I'm just reading this now.
It's called a Home Projects credit card? Right, Okay, I see,
so the Home Project's credit card provides homeowners. Oh with a okay that this
is a weird one. I know ever heard about this card before? But
they say many home improvement stores like Low's, and I believe there's a bunch
of them that take it. Well, you know, I called the home
depot and they said they will take it. But then they called Wells Fargo
and Wells Fargo said that I could only use the people on their list.
Oh okay, I get it. But all the people that Wells Fargo has
on their list are brand new window installations and brand new doors installing. Well
they have heating and cooling. They have furniture stores. I'm looking at it
right here. They have roofing and siding companies. They have flooring companies,
but window and door company. Do you know why, I'll tell you why,
hector because they probably pay a discount. So, in other words,
merchants may not want to be part of it. It's like with all credit
cards. For example, if you charge something that's a thousand dollars, the
retailer may only get you know, nine and eighty bucks or something. There
might be a discount, and they might be that that's how they make their
money. Yeah, I got a whole bunch of I got the list,
and I went down the list, and I will say I need a couple
of storm doors replaced and a window in the bathroom replaced with you you know,
And so they said, okay, we'll come out and take a look
at it. And then when they got here, I mean I got a
sales for the windows all the way around the house, and you know,
about an hour of talking to somebody, I said, I just need a
look at the promise here. I just need a Yeah, they're all trying
to make this into like a lead generation tool. What do you pay?
What interest do you pay on the Wells Fargo card? None? Because I
paid it off and I'm not using it and I'm banking with it. No,
But I'm asking what is the normal interest? Is there an interest rate?
Or is it so much time to pay with no interest? Well,
it was seven point ninety nine I think it was when I had my furnace
and a Okay, okay, but it doesn't cost you anything to just keep
the card. There's no annual fear or anything though. Okay, is there
a balance on it? Its just as you have twelve thousand if I wanted
it available for home repairs. But like I said, it's worth us because
I really can't use it anywhere I've already Well, the short answer is it's
not going to hurt you. But thank you very much because that was a
very interesting call. By the way, Dave's got a comment on this.
Go ahead, Dave. What's your comment? Hey, Tom, how are
you doing today. Good Dave, what's going on? It's pretty odd because
I just went through the same thing yesterday. I had ac and a furnace
down the year and a half ago. Yeah, a little little plug Plumbline
did a great job for me. Good, So Plumbline uses it too,
Yeah, And it was was fort of carrier. The way the car is
listed came on a Wells Fargo payper work cards, his cards, his carrier
on it, right, and then you have your account number, but there's
there's no expiration date on it, no pin, no nothing along those lines.
Yeah, but can you can you reuse it? Well? I tried
yesterday to do another plumbing repair. Yeah, and again with plumb Line,
right, And I said, can I put this on the card? And
he said, well, let's see. And then he looked at the card.
He said, well, there's no expiration date on it. I can't
use it. Why because he can't use it like a regular credit card,
right, And there's a there's a magnetic strip on the back of it,
but there was no way that he could input it. Well, are you
a parent? Let me ask you this? Sure? Can you call them?
Well, maybe this account is revolving somehow. Well, That's that's where
it gets steeper. I called after a paid plumb line. They got out
of here right in the excellent job. So I called Wells Fargo. I
said, what's up with this card? I said, I had, you
know, it's kind of right and a half nineteen and a half thousand dollars
credit limit on it. How long? How long did it? Did you
pay off your HVAC? Yes? I did, okay, And so what
did Wells Fargo say? They said, well, we closed the account because
of inactivity. Oh oh, oh, oh oh. How long had it
been inactive? Well, probably right out a year? Yeah, but you
were already paying on your HVAC. But was it totally inactive for a year
or were you still paying back the hvac. The HVAC was paid off within
the first six months. Oh okay, that's why, so they icee.
So they closed it automatically, is what you're saying, right, with no
notification, nothing, then mail saying you know, use this, but I
get it. Just thought it was kind of odd. And when I called
them, they just I said, can I reinstate this? They said,
no, we closed it in March. The only thing you can do is
reapply. Yeah, well, oh, well, you know what, it's
not the great It's not a bad thing, but it's not the greatest.
What were you going to use it for? I was going to use it
on the the plumbing repair that I was having done yesterday. Well it was
still and it was still with the same same company with plumb line. What
do you need done? Well, I just had to have a drain cleared
out. Okay, they got here, they got it taken care of.
It was yeah, that's only ninety three for that's what they start drain clearing.
It just ninety three or it's free they call it, So that's not
go costs. Like I was saying, I was just I head to card.
I think I'd give it a try. Oh, I see what you're
saying. Yeah, but they don't. It's not meant to be a regular
credit card though, it's a project card. Thank you very much for calling
and three o three seven one three eight two five five We got more coming
up. I want to tell you about Compass Insurance still doing insurance checkups to
make sure you're not paying too much or you're not under insured. That's three
oh three nine nine six nine thousand, go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't pay a cent until you're content time
for an insurance checkup free, no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies find out now three oh
three, seven to seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom
Martino here three zero three seven to one three talk seven one three eight two
five five. Glenn's got a comment on these home repair cards that the guy
just called about. Go ahead, Glenn. Yeah, So I actually,
uh had a small eating company, and uh we use Synchrony Provincial for consumer
credit processing on that and they generally have deals like low fixed interest for a
length of time or indefinitey uh no prepayment penalty. They also do like six
months cash. Isn't Synchrony. Isn't Synchrony the same as Amazon's bank, you
know, I think it might have been for a while. I think they
got a city bank or somebody over there. Too, you know. But
but Synchrony does a lot this consumer financing with promotional deals, and it's actually
really a nice plan. I mean, I got people that can't afford stuff
using I've got people that can't afford stuff using it. And it costs us
money, is the dirty little secret. So somewhere along the line it usually
makes everybody's sales numbers go up a little bit to pay for that. But
it's wonderful for the client if they can, you know, go out and
drop twenty thousand dollars on a nice new system somewhere or ten or two or
whatever they got. Okay, so so they do pay you a discount,
right, you have to pay, You get a discounted amount. We get
a Yeah, we pay somewhere between six and twelve percent, depending on who
it is and what the program is. And usually the longer it's finance for,
you know, the more costs obviously. But it's it's specific to the
company that pulls the promo, and usually you can reuse it with the same
company with the credit card, you know, harm no file. It's just
you can't run it on a card machine. You got to go in and
process a thing called a sales slip and then tell them what promotion you're using
the next time. Oh so they can't just go and pick something up and
use the card, right, Yeah, you got to do it with the
same vendor, and the same vendor has to run it through synchronous facts line
and get it approved U part right. But you find do you find that
it helps you to close sales? Yeah? Yeah, it's invaluable the most
company is big or small, and it raises your revenue because you're offering a
quite a chunk of the general population around here, you know, an option
to get something right now that they may not be able to sing otherwise.
You know what, You're absolutely right that could be a real problem if people
can't get financed. I totally agree with you, totally. And these guys
work with people clear down into the high five hundred. I mean, they
may not always give them a full line for what they want. If you've
got a five to sixty score and you want, you know, thirty grand
and you make thirty thousand of a year, and you still have a mortgage,
that's probably not gonna fly. So they're careful, but they're very very
easy to deal with. All right, Thanks for calling about that. I
appreciate the information. Three all three seven one three talk seven one three eight
two five five. You know, I am all for designations, but I
think sometimes it gets a little ridiculous. Because I read somewhere that Denver was
given a designation. Are you ready for it? I'm not kidding you,
as the number one city for naked cycling. Now, somebody's got to go
through some real extreme kind of public relations kind of stuff to put out a
survey like this number one for naked bicycling. Come on, I mean,
give me a little break here when it comes to that kind of stuff,
you know, I mean, how important is that? And in fact,
I have never seen, I would say, in all of my years,
I have never once, not once seen a naked cyclist ever. I don't
even know if it's legal, but that is what I read. You look
it up and they had a whole survey, but I don't have it in
front of me. I was going to show you, I was going to
tell you who else ranked here, but it's not even worth it. Yeah.
Also, there was a survey done by Monster dot com about bosses,
and they categorize bosses into like a dozen or more categories, actually a ton
of categories. But do you know some of these categories. I look at
him and I think, okay, do you have a boss like this?
Let me just tell you the one that stood out, because I think we've
all had one of these. The screamer boss, the boss who shouts and
screams at everything and is pissed off at everything. It's called the screamer boss,
or the fearmonger boss. Hey, Tom, I think it's called the
wife. Oh come on, oh, that's not popular to say. Somebody
tell him where would you tap him? Dragon? And tell him the year
is twenty twenty four? Thank you, isn't it? Yeah, it's twenty
twenty four. Just in case you're not supposed to say like things like that,
the screamer boss. What about the fear monger And by the way,
speaking of such, if that is true, then deputy Doc got fired anyway.
The fear monger boss, the one who wants you to fear for your
job all the time. That's a sick feeling. Or the manipulator. This
is a smooth talking boss, but it's more of a smooth talker motivated kind
of but they want to get you to do things you see, they look
at people as resources. Hey Johnny, you're doing such a great job.
Have you thought about doing this? What about the bumbler boss, the boss
who almost does nothing right and they're always worried about their own job, and
you kind of feel sorry for them, almost, But they're not terrible people.
You almost like you, like I say, feel sorry for them and
support them. Sometimes that's a purposeful technique. Now that's a little different than
the clueless boss. Now, the clusless boss is truly clueless. They don't
even know they're bumbling. They're just clueless, and you wonder how did they
get their job. That kind of boss is kind of weird. They can
make like edicts and requirements that make no sense. That's the, in my
opinion, the worst kind of boss. I mean, a screamer boss.
You don't want one of those and all of that. The fear guy.
I hate the fear guy. I don't know if I've ever had a fear
guy. I've had some fear middle managers at times over the years. The
manipulator, Yeah, we see that, the bumbler, the clueless. What
about the old school boss. This is the way things used to be,
and this is the way I do them. I mean, really, that
won't work anymore. But what about this one? The god boss. Not
a yell er, not a screamer, not a manipia, but they just
feel like they know it all and my power is above all. So you
just do this, John, John, I've noticed here. This is what
we're gonna do, you know. And then the Teflon Boss, well we
know what the name means. Come on that Teflon boss. Never ever ever
is anything his fault, never ever, ever, ever ever, everything is
what he inherited or because of his employees. And then you have I don't
get this one, the what boss. It's like, where is he?
What boss? It's the guy that drives by work every once in a while
or phones it in. He's kind of a boss. The owners love him.
They don't know why. They never you never see the he's out golfing
or sometimes doesn't even come in. You kind of do all the work,
but he's the boss. And then the paranoid boss. This is outright the
most terrible boss you can have. Hey, who were you talking with?
What was that all about? Did some and so call you about me?
Or why are they doing this to our division? What the hell's going on
at that board of directors. I don't know if I'm going to be around
along. That is the paranoid boss. Yeah, totally different than the other
kinds. They're like, just really, it's just paranoia. And then what
about the boss this one, this one is not to be confused with the
martyr boss. The martyr boss is like, oh, I'll do anything for
the good of the company. Everything is company rah rah. But then there's
the other kind, goes it's kind of like that. The world on his
shoulders boss, everything is too my Oh my god, I have worked so
hard this week? Are you kidding me? We gotta I gotta do this
too. I guess I'm not surprised. I'll deal with it. The world
is on his shoulders? What kind of boss do you have? How about?
Okay, this one is probably I don't know. What do you think
about the buddy boss? What do you think? Hey, shut up ragging?
Oh dragon, that's a manipulator right there. Hey, anyway, the
buddy boss, the buddy boss. Everybody is there, buddy, hey,
buddy, hey, hey, you want to come over. We want to
go out for coffee. You know, you get close to the guy and
then bam go with a sure thing Denver's Best Room for Excel roofing dot com.
You don't pay a cent until you're content. Time for an insurance check
up free no obligation. In comparison, call Compass Insurance paying too much your
coverage at dozens of insurance companies find out now three all three seven seven one
help. You'll think you're his only customer when you choose Frank durand the real
estate Man dot com to list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom Martino here three oh three seven one
three talk three oh three seven one three eight two five five. So let's
take this question on a lane violation, because I just paid one this morning.
I got sick in time and it's not mine. Was my son a
double lane? More and more people are getting these, My god, they
just are unbelievable. They seem to have cameras everywhere, and for those listening,
we're not talking about a speeding violation or running a red light. They
notice your carn in an express lane, and then they notice it not in
an express lane yet that you did not go through one of the things.
So they're assuming you crossed the double line. Is that what happened, Floyd.
Yes, as a matter of fact, that is what happened, Tom.
And they charge you seventy five dollars if you pay immediately or or it's
one hundred and fifty if you don't correct if you don't pay it by a
certain date. And I just got it yesterday and the delay in getting the
actual citation was two weeks. So I have two weeks to pay it,
which I'm fighting it. But they don't make fighting it any easier, Tom.
When you got online, Yeah, I went online and I saw there
was a place to fight it, but I didn't do it. What it
was? What's involved in fighting it? Well, you go, you go
to their website, you go in, you type in your your license plate
number, your violation. Right, I got all that right, Yeah,
So it allows you to go in and you have to select a reason why
you're fighting it. And the reasons are like, my car was stolen,
it's not my car, it's a rental, it's the owner's dead. I
mean ridiculous things. You basically you can't contest it based on I just I
disagree with this. You have to have one of these ridiculous outs to to
get get out of it. And if you select other, it tells you
you didn't select the civil penalty reason or something. So basically, this organization
who gives them authority? And I mean, I just feel like telling them,
you know, gives it? You know, Well, here's I'll tell
you who gives them authority? When when they sign up as a municipal with
a municipality to take care of this or the state, then the state gives
them authority to do it, okay, or the municipality in other words,
in other words, they do give them. Now, you know, here's
the thing. The way to fight it without fighting it like that is to
not pay it and then you would be served. That would be a better
forum if you simply want to say, I don't believe, but but how
do you fight it? Though? If they have a picture of your car
in and out, Yeah, one is in the the regular lane right right,
and then the other one is in the Now I know, I know
they don't show you actually crossing. I get that exactly, this is big
brother. But but where they set those up, where they set the cameras
up is after the toll reader. So if it's not Listen, I know
what I'm saying. What I mean is this, if you're in the express
lane before the toll reader and then you're out of it. No, wait
a minute, wait a minute. No, no, no, I don't
understand. Wait access areas what they're telling me. I know, I know,
yeah, they're saying. They're saying that if you if they read your
plate going through that reader, No, that's not it either, then you
would have gotten a toll I don't get it. I don't, I don't.
I think there's a way they take a picture, and I know my
YouTube morons probably know when you're driving the picture this, they take a picture
of you outside of the lane, and then after the toll reader it's inside
the lane. Then they think you buy that's what it is. Then they
think you bypassed it right right, yes, yes, And they're calling it
a safety violation. I know that's exactly. I know. There's nothing safe
about it or unsafe. Yeah, it's And I'll be quite honest, I'm
new with this express pass. I forget I even have to. Yeah,
but truly, oh truly, though, here's the deal. Truly, what
the hell you know? You probably did it right, I mean, what
would you when you say you would disagree, When you say you would disagree
just to disagree? What does that even mean? Then? I did anything
wrong? I mean I got to pass. You know, I have a
preloaded pass with you know, one hundred bucks on it, And first off,
I mean I didn't even know you had to enter it at a certain
spot. I'll be honest, I had no idea, so I told him
at lane headed north. But there was no safety implication there. You know,
I'm a safe drive. Yeah, you know what though you're gonna you're
not gonna win. I know, I know. But it's seventy five dollars.
How do they justify a stupid seventy five dollars charge for this er?
You know? It's ah, I agree with you on everything you're saying.
I think it's one of the dumbest violations. Look, you know, running
a red light that's different. Now. I don't think going three inches over
that line you should be charged, But running a red light, I can
see where you'd be charged. Donald, Do you have a question about state
pension? I'll take red after this. Just hang on, Okay, we
got more coming right up. Go with a sure thing Denver's best roofer Excel
Roofing dot com. You don't pay a cent until you're content. Time for
an insurance checkup free, no obligation. In comparison, call Compass Insurance.
Pay too much your coverage at dozens of insurance companies find out now three O
three seven to seven to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Artino,
you're troubleshooter three three seven to one three talk three h three seven one
three eight two five five. Let's continue and uh we uh have Donald who
has a question on a state pension. Go ahead, Donald, Yeah,
uh, Tom, you're the troubleshooter. I just need the phone number to
see if buncle Billy and get a pension from the state of Colorado. Since
he's been here, it was always life if who can uncle Billy lives?
See we live in the Forum. It's an apartment building right by the City
and County building. And he wants to know if he can get an old
age pension from the state of Colorado since he worked here all his life.
Did he work for the state? Oh uh, that's why I called you
up. I go, wow, you didn't work for the state. No,
he worked for like cores. But there is are you? When you
say old ad pension, do you mean social Security? I already get that.
Well, there's no other. There's no other automatic pension for anyone just
because they've worked here. You know what that's Well is telling him. I
think he's talking about his buddy Steve, because Steve worked for the city in
county. You know, yeah, yeah, No, here's the deal,
Donald, Donald, listen. Social Security is the only universal one. If
you've worked forty quarters, that's the only one. The only other ones would
be specifically, like if you worked for the educationals for schools, or if
you worked for the state or federal governments, but that's totally different. Or
if you worked for a nonprofit and you had a four to h three B
or other or a four to oh one K with a private company, or
even a four point fifty seven is another kind of a plan. But none
of these are automatic. I mean, if he wasn't part of it,
there's no way he's going to get anything so you better tell him that that's
it now, Brad O'Brien really quickly. The just cause lease says you have
to have what a good reason for eviction or excuse me for not renewing?
Is that? What? It says you have to have one of the stated
reasons for not renewing a tenant at the end of their term, which is
you want to sell the property, you want to landlord wants to move back
in, or their family wants to move back in, or you want to
renovate it. Do you think it's that burdensome or not, because it sounds
like those are pretty reasonable or not. But if you simply want to rent,
let's say, to a sibling or to a nephew or niece, can
you do that? No, the family member has to be in your immediate
family. Oh so you can't just if you have like a nephew graduating college
and you want to rent to them, you don't have the choice. No.
I think it's your immediate family wow, and your dependence. Okay,
But so there is some restriction then, and a tenant can always challenge it,
right yep? All right? By the way, olslaw dot com.
When Bras and I here olslaw dot com seven to zero three seven zero seventy
three eighty eight Save all your problems for me,