Speaker 1: Rip Dum news.
Speaker 2: Didn't need advice.
Speaker 1: Who you don't have to come running just as fast
Speaker 1: as we can.
Speaker 3: Shooter's gonna help me come Man Dix is the Troubleshooter Show.
Speaker 2: No Tom Martino.
Speaker 4: I'm Tom Martino, first and foremost happy to be alive.
Speaker 2: And thank you for being here.
Speaker 4: You know, I have the privilege of coming on the
Speaker 4: air every day as I've been doing for more than
Speaker 4: fifty years in Denver, forty five years on radio and
Speaker 4: TV and now primarily radio on my Troubleshooter Show, the
Speaker 4: longest running radio show still on the air with the
Speaker 4: same host.
Speaker 2: It is the record breaker.
Speaker 4: So if you have a problem, question or complaint, you
Speaker 4: can call us or just want to get something off
Speaker 4: your chest. The other day we were talking about data mining.
Speaker 4: In data mining, finding out as much as you can
Speaker 4: about a topic and pursuing it. A data mining where
Speaker 4: did you get my name? How did you get my name?
Speaker 4: What prompted you to call me? Businesses live and die
Speaker 4: by data mining. You want to know how did this
Speaker 4: customer come to me? And how can I keep more
Speaker 4: customers coming to me? And what did I do right
Speaker 4: or what did I do wrong? And then it occurred
Speaker 4: to me. Of all the data mining in the world,
Speaker 4: I talk to more consumers than any business.
Speaker 2: I'm not saying I have more customers than.
Speaker 4: Any business, but if you think about the consistency of
Speaker 4: you guys calling in for the last fifty years Monday
Speaker 4: through Friday in some way, shape or form. I've had
Speaker 4: a show where I've taken calls and I've cataloged them,
Speaker 4: so i have.
Speaker 5: A great.
Speaker 2: Mind to to go find things.
Speaker 4: And also, each and every day we hear from people,
Speaker 4: and I think you've seen how trends change. What used
Speaker 4: to turn on consumers years ago may not rattle their
Speaker 4: chain anymore. And businesses are all trying to do one thing,
Speaker 4: rise above the static. They're trying to stand out. That's
Speaker 4: why they do keyword searches in Google, or that's why
Speaker 4: they do crazy you know clickbait.
Speaker 2: Have you seen the clickbait where.
Speaker 4: You know, put paper look at put pennies in a
Speaker 4: paper bag and hang over your doorway. Here's why I
Speaker 4: never did find out why, by the way, because you
Speaker 4: click on that and it's not about the pennies in
Speaker 4: the bag. It's about sixteen other hacks, and you've got
Speaker 4: to go through each page. Now, the whole idea this
Speaker 4: clickbait is to keep you engaged, so you see as
Speaker 4: many ads as possible. It's never to sell just one product.
Speaker 4: Have you ever noticed this other trend? And I'm wondering
Speaker 4: if you had where you see a product on Instagram
Speaker 4: or on YouTube or anywhere you see a product and
Speaker 4: you're interested in it. I mean, you click to learn more,
Speaker 4: but they're just so that they trying to convince you
Speaker 4: so much to buy it, they never get around to
Speaker 4: selling it to you. You can't even fast forward. It
Speaker 4: makes you watch the whole damn thing. And sometimes I think,
Speaker 4: my god, I'm not wasting my time here doing this.
Speaker 4: I just want to buy it or I just want
Speaker 4: to try it. Anyway, my question to you today is
Speaker 4: how do you make buying decisions?
Speaker 2: Really? How do you?
Speaker 4: I believe we're all the same at our core and
Speaker 4: that we are not crazy, and I think here on
Speaker 4: the Troubleshooter Show, we tend to get the people who
Speaker 4: don't follow the norm.
Speaker 2: The norm is to research.
Speaker 4: The norm is to be proactive in finding businesses or
Speaker 4: products and then to close on that business or product
Speaker 4: and to get information you need to enjoy that product.
Speaker 2: Or that service.
Speaker 4: And I think a lot of us, we think the
Speaker 4: world goes crazy because we hear a few people who've
Speaker 4: done things wrong. Let's go to the phones, though, and
Speaker 4: my main goal today, I'd like to know how you
Speaker 4: formulate your buying decisions.
Speaker 2: Honest to god, I want to data mind you.
Speaker 4: I have the greatest field to mine every single day,
Speaker 4: and we can help small business find out what they're
Speaker 4: doing right or what they're doing wrong. For example, I'd
Speaker 4: love to know. And you can comment on YouTube. My
Speaker 4: morons love commenting. Or you can text me at five
Speaker 4: seven seven three nine. That's the short code and that's
Speaker 4: the short code. You just put that in and send
Speaker 4: and hit send. The text will come to me. Put
Speaker 4: Tom in there somewhere. That's the iHeart number five seven
Speaker 4: seven three nine, and then you can do my personal
Speaker 4: texting number, which is seven four mes evan eighty seven
Speaker 4: four seven nine nine nine fifty two eighty. I like
Speaker 4: to know what formulates your buying decisions, honest to goodness.
Speaker 4: You know what's great about this topic. There's no right
Speaker 4: or wrong answer. Whatever you do is the right answer
Speaker 4: because that's what you do. And I think we can
Speaker 4: educate people now Charles had an issue with an HVAC
Speaker 4: and I think the main issue, if I remember rightly,
Speaker 4: was at the price he paid. Well, actually he no,
Speaker 4: This was the one where he called Home Depot and
Speaker 4: he thought he was calling a crisis intervention program to
Speaker 4: get him a furnace at a special deal. Bo are
Speaker 4: you there? Can you fill me in on this one?
Speaker 4: And I know we have I know we have Charles
Speaker 4: on the line. Charles, you said you called a number
Speaker 4: and you thought you were getting some kind of special
Speaker 4: helpline right.
Speaker 6: Right, It was the interventioned crisis helpline and they did
Speaker 6: not help me what bit? But I would like to.
Speaker 2: Well, I think it was a scam.
Speaker 4: I don't know what this crisis intervention hotline is. It
Speaker 4: sounds like a tricky way to make sales.
Speaker 6: Yeah, that's what it is. You got you hit the
Speaker 6: del right of the head because they wanted to be
Speaker 6: just said all this and all that did, and.
Speaker 4: His Home Depot the only company they referred you to. Yes, okay,
Speaker 4: I think it's some kind of sneaky marketing arm of
Speaker 4: Home Depot.
Speaker 2: What happened then?
Speaker 6: Okay, to cut out all the chase, I would like
Speaker 6: to give kudos to your what are your experts? By
Speaker 6: the day of Bo, Bob did up and beyond, went
Speaker 6: up and beyond the call of duty. He came out
Speaker 6: and he looked at the furnace that he did hear it,
Speaker 6: turned on the pilot light, and he did some other
Speaker 6: things to the to the uh furdust at the furdust
Speaker 6: works excellent.
Speaker 2: Now, okay, do we have bow?
Speaker 4: Hold on one second, do we have bow anywhere to
Speaker 4: be seen?
Speaker 2: Kachina? Is he in the studio or is he on
Speaker 2: the line or anywhere?
Speaker 7: Because not yet he's done in studio. I will try
Speaker 7: to get him on the line.
Speaker 4: All right, Why do I want you to hold on
Speaker 4: a second? And I don't want you to leave, Charles,
Speaker 4: because I want to know what the issue was. And
Speaker 4: and Charles, did this problem happen all of a sudden
Speaker 4: where you woke up and did not have heat?
Speaker 2: Did it happen all of a sudden?
Speaker 6: Well, this has been an ongoing issue that the bad
Speaker 6: that the pilot light did.
Speaker 8: Not they would not throw out no heat.
Speaker 6: It would it be cold always.
Speaker 8: In this house.
Speaker 4: Okay, okay, you hold on and we'll figure out what
Speaker 4: Bo did. What he found and he's a godsend here
Speaker 4: when it comes to HVAC and mechanical problems around the house.
Speaker 2: So hang in there, Charles. I'm marketing this pending because.
Speaker 4: And this brings up another thing what I called deceitful marketing.
Speaker 4: I don't like deception in marketing where you think you're calling,
Speaker 4: like like I had someone call the other day. They
Speaker 4: called my home the other day and I happen to
Speaker 4: answer it and it said, hello, this is so and
Speaker 4: so we're scheduling inspections of the roofs in the area
Speaker 4: to make sure blah blah blah. And I said, excuse me,
Speaker 4: who are you with He tried to make it sound like, well,
Speaker 4: we're doing this and we have to make a time,
Speaker 4: not I'm a roofing company trying to get your business.
Speaker 4: And I said, excuse me, who are you with? Inspection service?
Speaker 4: Is that a county? And I knew it was, And
Speaker 4: I said, is that with the county? He goes, oh, yes,
Speaker 4: we are in this. What he said, Yes, we are
Speaker 4: in a Rapo county doing these inspections to make sure
Speaker 4: blah blah blah are up to code and this. And
Speaker 4: I said, well, but he didn't answer me, are you
Speaker 4: with the county. No, Sarah, I said, who are you with?
Speaker 4: Who is actually paying your bill? I finally figured out
Speaker 4: it was a roofing company. But I don't like deception,
Speaker 4: and a lot of these places they deceive you into
Speaker 4: thinking there's someone special or there with the government, or
Speaker 4: that this is routine just let us do it for you,
Speaker 4: and it's deception or like this what Charles called on.
Speaker 4: Charles called on a crisis intervention program for no Heat,
Speaker 4: but they were actually just working for home Depot's marketing.
Speaker 2: Are and I find it deceiving.
Speaker 4: I don't know how you people feel about it, but
Speaker 4: I find it very deceiving. Anyway, we will talk to
Speaker 4: him coming up, and I'm going to also take some
Speaker 4: other calls, So hang on please, I'm going to take
Speaker 4: a quick break and mo. My goal today is to
Speaker 4: race through calls and to get you solved.
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Speaker 2: Fix it twenty four to seven. Fix my Home dot
Speaker 2: com book now. Okay, I want to talk.
Speaker 4: I want to bring up a call first before I
Speaker 4: go anywhere else that that I want to consult. Brian
Speaker 4: Burns on Brian Burns who was a Compass insurance group
Speaker 4: Our Insurance Experts Fit two.
Speaker 2: She had some handgag shipped in.
Speaker 4: So she used a shipping company one hundred and fifty
Speaker 4: bags in ten boxes. Three of the ten boxes didn't
Speaker 4: make it to the destination.
Speaker 2: Now fit two. Who did you use to ship these?
Speaker 9: It's called.
Speaker 10: It's an individual, but it goes by.
Speaker 11: Jeppe.
Speaker 10: I think that's French cargo Jeppe.
Speaker 2: So it was okay, And where did you find When
Speaker 2: you said an individual, where'd you find?
Speaker 4: Why didn't you just go to ups or fed? Actually,
Speaker 4: why did you go to this shipping company? I never
Speaker 4: heard of him.
Speaker 10: This shipping company was reserved to me by the embassy, uh,
Speaker 10: the embassy of a Senegal a long time ago. Yes,
Speaker 10: terms of it, he does the shipping company throughout West Africa,
Speaker 10: not just one country.
Speaker 4: Okay, I got you. That's why we haven't heard from
Speaker 4: him here. Okay, what went wrong?
Speaker 10: Well, we've been working together on and off for nine
Speaker 10: years and he took ten boxes that we shipped from
Speaker 10: Dakar to the United States. But the ten boxes made
Speaker 10: it to Atlanta, and he told us that he's ready
Speaker 10: to ship it ship them to me. But out of
Speaker 10: the ten boxes, only seven made it. And out of
Speaker 10: those seven boxes, three of them were just straps. But
Speaker 10: in the boxes are very unique.
Speaker 2: Wait, three three of them. Three of them were what two?
Speaker 2: Three of them were.
Speaker 10: What strapped handbags? We make handbags and the strapped the handbags. Yeah,
Speaker 10: so three of the boxes were only strapped of the handbags.
Speaker 2: And those are the ones and those are the boxes missing.
Speaker 10: No, the boxes that I received was seven out of ten.
Speaker 10: So out of these seven boxes that I received, three
Speaker 10: of them were strapped, which means that my product, the
Speaker 10: actual product. I've only received the three or four boxes
Speaker 10: of actual products.
Speaker 4: Okay, so how many does that make out of the
Speaker 4: one hundred and fifty bags?
Speaker 10: So we did hundred n sifty bags were the initial
Speaker 10: initial estimate. So we finally opened up after making the
Speaker 10: police report, opened up the boxes and we ended up
Speaker 10: with back two hundred and ninety individual items missed altogether.
Speaker 4: Okay, so what is your question? Did you have this
Speaker 4: shipment insured?
Speaker 10: So the shipping company, I don't know if they have
Speaker 10: insurance or not.
Speaker 11: But what we do.
Speaker 10: They give us an estimate how much it costs to ship,
Speaker 10: and we pay them the money as when we receive
Speaker 10: the product, I mean once the product is in the US.
Speaker 2: But what about insurance?
Speaker 9: Fat too?
Speaker 4: What about insurance? Was insurance discussed? Did you have insurance?
Speaker 4: Is there insurance available? I mean, tell me about the
Speaker 4: insurance part.
Speaker 10: I have a business insurance, but for the shipping part,
Speaker 10: I don't have a part. Particular shipping insurance to me,
Speaker 10: that's covered by the shipping company, but I don't.
Speaker 4: That's not necessarily no, no, no, for too, it's not necessarily covered by
Speaker 4: the shipping company. But it's usually something that's discussed. What
Speaker 4: was the value of this shipment in general? What was
Speaker 4: the overall value of this shipment?
Speaker 10: So the overall value of the shipping we did not calculate,
Speaker 10: but we calculated the overall value of the items that
Speaker 10: were lost.
Speaker 4: Okay, okay, give me the value of the items that
Speaker 4: were lost.
Speaker 10: That's a two hundred thousand.
Speaker 4: Wait a minute, you're saying that you lost two hundred
Speaker 4: thousand dollars in the shipping right now, who do you
Speaker 4: expect to pay for that?
Speaker 9: The chipper?
Speaker 2: And okay, good, good answer.
Speaker 4: But why Now I'm going to ask why do you
Speaker 4: think they should pay for it?
Speaker 10: Because I believe that it's stolen, and he tells me
Speaker 10: that it's lost, but I don't believe that. He said
Speaker 10: that these three boxes which are big boxes. Those are
Speaker 10: three and no.
Speaker 2: No fet two.
Speaker 4: You're you're not answering my question. I'm not asking you
Speaker 4: what he said. I am asking you. Why do you
Speaker 4: believe the shipper owes you two hundred thousand dollars for
Speaker 4: the lost items.
Speaker 10: Because the items were lost in his care?
Speaker 4: Okay, another good answer. Now I'm going to ask Brian
Speaker 4: Burns his opinion. I don't really know, Brian. If I
Speaker 4: blindly go to a shipper that I've been using for
Speaker 4: a while and I have this stuff shipped and two
Speaker 4: hundred thousand dollars, for God's sake shows up missing, who's
Speaker 4: responsible for it? My first before you even answer Brian
Speaker 4: the two, I gotta ask you a question. If that
Speaker 4: part of the shipment was two hundred, what's the value
Speaker 4: of the whole shipment?
Speaker 2: About a half a million? What was the value of
Speaker 2: this shipment.
Speaker 10: That we have to calculate because these are.
Speaker 2: Very much well, just give me give me a rough idea,
Speaker 2: Give me a rough idea. It was more than two hundred.
Speaker 2: How much was it? If you value the whole shipment,
Speaker 2: how much is it? Approximately?
Speaker 10: Well, I would say about two and eighty thousand.
Speaker 4: Okay, Okay, Now, Brian, when somebody is shipping something worth
Speaker 4: two hundred and eighty thousand, I would never ship anything
Speaker 4: of that value without making sure I had insurance for
Speaker 4: two Did you ever ask them if they had insurance?
Speaker 11: No?
Speaker 2: Okay. Now I want to know somethingated. Did you have
Speaker 2: a shipping contract?
Speaker 10: It didn't contract?
Speaker 4: Okay, So she has a verbal contract to ship two
Speaker 4: hundred thousand dollars is missing, Brian, you can't automatically assume,
Speaker 4: I mean, just talk about it. Do shippers have automatic insurance?
Speaker 12: No?
Speaker 13: Well, I mean, as you you guys, even from a
Speaker 13: smaller standpoint, if you're shipping something a lot of times
Speaker 13: they'll have some insurance automatically on it. But it's it's
Speaker 13: a very small amount. If you're going to be shipping
Speaker 13: that kind of dollar amount, you need to actually specify
Speaker 13: the amount of insurance. Now, on a commercial policy property policy,
Speaker 13: she might have even been able to call her agent
Speaker 13: and get what's called an inla marine policy that would
Speaker 13: cover if she was responsible for it during the shipping.
Speaker 13: She might have been able to get insurance since it
Speaker 13: was coming overseas. I say, maybe, but you could at
Speaker 13: least have that conversation. But I mean, I don't know
Speaker 13: who you're going to be able to go after to
Speaker 13: get this kind of money.
Speaker 4: Now, now here's one thing I will say, Fetu, I
Speaker 4: want you to make a distinction here. When we're talking
Speaker 4: about insurance, that's one thing. But when we're talking about liability,
Speaker 4: that's an or example, Fetu, that company.
Speaker 2: Could be liable to you because.
Speaker 4: They lost your shipment, meaning that if they were negligent
Speaker 4: or at fault, you can go after them. However, that
Speaker 4: doesn't mean that they have insurance for it. So insurance
Speaker 4: and liability are two separate things. People often Brian lump
Speaker 4: them together, and it really doesn't matter. Liability is if
Speaker 4: they are responsible. Insurance is covering if they are responsible,
Speaker 4: if they have the insurance.
Speaker 2: So fit two.
Speaker 13: You're barking up the two.
Speaker 2: The very first thing I want to ask you, I'm
Speaker 2: going to assume.
Speaker 4: I'm going to assume there was no insurance on this.
Speaker 4: I'm just going to assume that. But that doesn't get
Speaker 4: the company out of out of trouble. What did the
Speaker 4: company do wrong? Can you nail them for this because
Speaker 4: they still may have to pay you whether they have
Speaker 4: insurance or not.
Speaker 10: Yes, I can, well quickly, I have to say, it's
Speaker 10: your fraud, it's your plan fraud, and I have a
Speaker 10: toms of documentation. But why I'm saying this? The company
Speaker 10: have knowledged that they have the ten boxes that arrived
Speaker 10: in Atlanta. They had those ten boxes and the and
Speaker 10: three of the boxes are missing, So that makes them
Speaker 10: responsible number one.
Speaker 5: Number two?
Speaker 2: But what makes them but wait wait, wait what okay?
Speaker 2: On shipping?
Speaker 4: On shipping, you would assume that when they take control
Speaker 4: of your packages, they're responsible for them, but they may
Speaker 4: not be negligent. What if a truck was robbed? What
Speaker 4: if something happened? Does anyone know what happened to these
Speaker 4: ten boxes?
Speaker 10: So that's the investigation part. We can investigate too, because
Speaker 10: he said the back of the U haul, the U
Speaker 10: hor that they do, it's not any truck, it's a
Speaker 10: U haul. So for a you hold the back of
Speaker 10: a U har truck to to fly open and have
Speaker 10: three big boxes fall out of that, it didn't have
Speaker 10: a traffic jamp. No, But he has anything, has seen
Speaker 10: anything that's possible.
Speaker 4: So are you saying that three are you saying the
Speaker 4: ten boxes that are missing, ten of them, that some
Speaker 4: of them fell out of the truck.
Speaker 10: That's what you say, but I'm saying that that's that's
Speaker 10: a lie.
Speaker 2: Well, I would say they would be liable if they
Speaker 2: if they packed the truck and three of them fell
Speaker 2: out of the truck. Look at your best bet is
Speaker 2: not to try to get insurance because you don't have
Speaker 2: any contract. You can't just walk up to an insurance
Speaker 2: company and say I want you to cover this.
Speaker 4: What you need to do is sue the shipping company.
Speaker 4: Does the shipping company have any money? Is the guy rich?
Speaker 4: Does he have anything? Does he own a building? Is
Speaker 4: he worth going after? Can he cover two hundred thousand losses?
Speaker 8: He has?
Speaker 10: He has a lot of business is going on, But
Speaker 10: I don't know how much money he has. But I
Speaker 10: can tell you Tom that the reason I'm saying is
Speaker 10: the feelings we when we pack our products, we don't
Speaker 10: pack we had no lines, multiple decent lines. We don't
Speaker 10: pack all of the one line in one box. So
Speaker 10: we as if divide our line into multiple boxes, because
Speaker 10: we assume that if something happens to one of the
Speaker 10: books and that one's box happened to be one total,
Speaker 10: one complete line, will lose all that line to avoid it.
Speaker 4: No, I get it, I get it. You divide the shipment.
Speaker 4: You divide the shipment up. But we need to reduce
Speaker 4: this to the simplest common denominator set two. I think
Speaker 4: you're looking about this.
Speaker 2: The whole way.
Speaker 4: You're running after insurance companies, and you shouldn't be. You
Speaker 4: have no contract with any insurance company, and.
Speaker 2: You can't create one out of thin air.
Speaker 4: And you can't go after an insurance company because you
Speaker 4: think the company should have had it. So hold on
Speaker 4: and I'll give you what I would do you coming up,
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com.
Speaker 5: You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three all three seven to
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 1: All right.
Speaker 4: So fit two first contacted us because part of her
Speaker 4: shipment from Senegal Africa was is missing. It's worth about
Speaker 4: two hundred thousand, So she's assuming there's insurance. Now, Brian burns,
Speaker 4: I want to talk about insurance. What if there is
Speaker 4: insurance he doesn't know? How does she find out if
Speaker 4: there is insurance? How does anyone find out.
Speaker 13: Exactly what you're talking about? Doing you see them because
Speaker 13: at that point they'll get their insurance involved that it
Speaker 13: is there. But if she just tries to call them
Speaker 13: or you know, he doesn't have to answer her question
Speaker 13: of whether there's insurance. But if she wants to make
Speaker 13: sure the insurance gets involved, if there is any you
Speaker 13: would you would do exactly what you were talking about,
Speaker 13: figure out liability and then sue.
Speaker 4: It's it's unfortunate. Brian is with Compass Insurance Group. And Brian,
Speaker 4: even if he does have insurance, it may not cover this, right,
Speaker 4: I mean there are different go ahead.
Speaker 13: Well, they might they might say that he's not negligent,
Speaker 13: and in my opinion, it would shock me if there's
Speaker 13: not some sort of contract. Whether she said this is
Speaker 13: just verbal, but if this is a legitimate company, there's
Speaker 13: probably a contract that limits his liability on the items
Speaker 13: that are shipped. It's really going to be on a
Speaker 13: person shipping the items. If they have that kind of value,
Speaker 13: they need to ensure that. They need to specify insurance
Speaker 13: for it.
Speaker 2: Thank you, Brian.
Speaker 4: By the way, that's home of the insurance checkup, where
Speaker 4: they'll review your insurance to make sure you're not out
Speaker 4: of whack with insurance paying too much or maybe under
Speaker 4: insured or whatever. Three oh three nine nine six nine thousand.
Speaker 4: Now here's what I would do. Okay, you're not going
Speaker 4: to like it for two because you got very you
Speaker 4: got a really bad situation.
Speaker 2: You don't have a contract.
Speaker 4: You have a shipper in Senegal, Africa, so now you
Speaker 4: have to prove the shipper was negligent. If the shipper
Speaker 4: was negligent, you need to sue them for the value.
Speaker 4: You're going after insurance. Don't go after insurance. It's not
Speaker 4: an insurance item. It's a negligence claim. You're claiming the.
Speaker 2: Shipper was legit. You're going to do that in Senegal.
Speaker 14: Thank you, Tom.
Speaker 10: I just wanted to take Okay, I'm not going after
Speaker 10: the insurance, but I'm going to after the company because
Speaker 10: I believe that they've stole it.
Speaker 2: That's what you do.
Speaker 4: You go after the company in Senegal for negligence. And
Speaker 4: I don't know what their laws are, but good luck,
Speaker 4: it's gonna be hard. It's going to be a very,
Speaker 4: very very difficult one. And by the way, this is
Speaker 4: not just for exotic handbags or anything, but people. You
Speaker 4: need to think in terms of shipping. We all have
Speaker 4: things shipped, whether it be Amazon or eBay or whatever.
Speaker 4: Have you ever looked into shipping, because you know, there's
Speaker 4: an age old problem. Who owns the property when you
Speaker 4: buy something on Amazon or on eBay or another service
Speaker 4: and it shipped you and it doesn't get to you.
Speaker 4: Is it yours when they hand it over to the
Speaker 4: shipper and now it's your responsibility or is it still
Speaker 4: their responsibility until you put your hands on it. I
Speaker 4: have an answer for that, but I want you to
Speaker 4: tell me whose property is it? Okay, you see it online,
Speaker 4: you buy it, they pack it up and hand it
Speaker 4: over to the shipper, and it never makes it to you.
Speaker 2: Was that contract fulfilled?
Speaker 4: And now you're screwed because you have to find out
Speaker 4: where your package went? Or is it not yours until
Speaker 4: you pick it up at your door? What do you
Speaker 4: think The answer is going to surprise you? You know
Speaker 4: why because the answer is it's your product. Once you
Speaker 4: buy it. When they hand it over to the shipper,
Speaker 4: it's yours. So you have to make sure unless the
Speaker 4: contract specifies otherwise. But when you go online and buy
Speaker 4: it and it says congratulations or shipping in progress, they're
Speaker 4: shipping your package. All right, Deputy Bow is on now
Speaker 4: and we're going to follow this problem up.
Speaker 2: Deputy Bow.
Speaker 4: What I really do know is that this guy thought
Speaker 4: he was dealing with some kind of crisis hotline. It
Speaker 4: was just some kind of fancy marketing ploy by home depot.
Speaker 4: I don't mind that, but it's kind of weird. Charles
Speaker 4: did not get the service he wanted, and you said
Speaker 4: you would take a look at it.
Speaker 2: What did you find? He needed a furnace, but you
Speaker 2: went over and made his furnace work. Tell me about it, right.
Speaker 15: He did call this energy outreach. I didn't investigate that.
Speaker 15: Apparently by making a call, the home Depot sent out
Speaker 15: an HVAC company and they told him that the parts
Speaker 15: of their parts were not available for the furnace and
Speaker 15: quoted him. I believe it was sixty nine dollars and Charles,
Speaker 15: being a disabled person on low income, has not had
Speaker 15: heat for two months.
Speaker 9: I went over there last Saturday.
Speaker 15: He took my order with me to help me, went
Speaker 15: over there, checked it all out. The contractor removed the
Speaker 15: heating access door, so I couldn't I couldn't properly light it.
Speaker 15: So I actually borrowed a borrowed some parts from another
Speaker 15: furnace in my rental. Was able to put it together,
Speaker 15: clean the pilot, and we got and I did a
Speaker 15: carbon monoxide test and a gas leak test, and basically
Speaker 15: we got charles furnace up and running. And I told Charles,
Speaker 15: the parts are certainly available to the unit. So I
Speaker 15: believe we, you know we The troubleshooter shows eight named
Speaker 15: sixty nine dollars from a new furnace.
Speaker 2: My god, bo what did it turn out to be.
Speaker 15: A dirty pilot? And I cleaned it from a couple
Speaker 15: and I replaced the burner access store, which I believe
Speaker 15: whoever was out there purposely removed it to disable the unit.
Speaker 2: And you stick, what would that have cost on the
Speaker 2: open market?
Speaker 15: Fifteen hundred bucks?
Speaker 9: Maybe that with all.
Speaker 4: The work, Okay, so around fifteen hundred And they quoted
Speaker 4: him sixty nine hundred, yes, And they said that even
Speaker 4: at that the parts are not readily available.
Speaker 15: Well, they weren't interested in repaying it because they told Charles.
Speaker 15: Charles will tell you they told him that they cannot
Speaker 15: repair the furnace because they said that puts for the
Speaker 15: Internet is no longer available.
Speaker 2: So the sixty nine hundred was for a replacement for
Speaker 2: a brand new.
Speaker 15: Furnace, and Charles just couldn't afford it. He's on a
Speaker 15: fixed income, you know.
Speaker 4: Deputy Bow, Yes, you know you did a great job. Again, man,
Speaker 4: I'm down here knocking out of the park with these things.
Speaker 15: And I'm also going to stand Charles the lift of
Speaker 15: the available parts and Kathy has trouble and if future
Speaker 15: he will know that parts are available. It's a refurnas
Speaker 15: some parts are still available. It was just a pretty
Speaker 15: easy repair.
Speaker 2: Thank you, Thank you.
Speaker 4: Very much, Charles, thank you. I got to take a break.
Speaker 4: We have more coming up. Go with a sure thing
Speaker 4: Denver's Best roofer Excel roofing dot com. You don't pay
Speaker 4: a cent until you're content. Time for an insurance checkup free,
Speaker 4: no obligation. In comparison, call Compass insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three O three seven seven to one. Help you'll think
Speaker 4: you're his only customer when you choose Frank durand the
Speaker 4: real estate man dot com to list your home with
Speaker 4: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 4: Hi Tom Martine, Let's start with Tricia and Car Toys.
Speaker 4: Hello Tricia, what's going on?
Speaker 8: Hi?
Speaker 12: Tom?
Speaker 4: So.
Speaker 12: I had gone to Car Toys to get a new
Speaker 12: car radio and I was driving two friends house going
Speaker 12: about sixty five on Highley thirty six when my hood
Speaker 12: flew open and I tried contacting Car Toys and they
Speaker 12: said that they looked at the footage. They keep telling
Speaker 12: me they never opened up the hood, but I personally
Speaker 12: don't believe them. When I asked them if they could
Speaker 12: send me the security footage, they said the only way
Speaker 12: that they can send the footage to anyone is if
Speaker 12: they open a police investigation.
Speaker 4: Well that's not true. I mean that might be their policy,
Speaker 4: you know what I mean? They might have an internal
Speaker 4: policy that says we don't give you footage unless there's
Speaker 4: a claim. But Tricia, I want to ask a little
Speaker 4: I want to ask a few questions. You picked up
Speaker 4: your car for cars from Car Toys and how long
Speaker 4: did you drive it?
Speaker 2: Before the hood opened.
Speaker 12: I think about fifteen minutes or so. I'm not one
Speaker 12: hundred per cent sure.
Speaker 2: So it was right when you picked it up.
Speaker 12: Pretty much. Yeah, I got them too. I twenty five
Speaker 12: to thirty six.
Speaker 2: And how fast were you going.
Speaker 12: On thirty six? I was going about sixty five about that.
Speaker 4: Don't you have an emergency latch that keeps it latched
Speaker 4: even if it opens?
Speaker 12: I'm supposed to, but my dad actually looked the latch
Speaker 12: and plug.
Speaker 16: The bolts were missing for some reason.
Speaker 4: But it was there before you took it in. Yep,
Speaker 4: all right, I want you to hold on, Trisia. This
Speaker 4: sounds like too much of a coincidence. I can't see
Speaker 4: how they could just turn their back on you completely.
Speaker 2: To hold on, we'll talk about it.
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance. Pay too much your coverage at dozens
Speaker 4: of insurance companies. Find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 1: Rit tough.
Speaker 2: News needs who you don't have?
Speaker 1: Run anxious as fast as you can.
Speaker 2: Shooter's gonna help.
Speaker 8: Come man, This is.
Speaker 3: The Troubleshooter Show. Now, Tom Martino, Hey, Hey, hey.
Speaker 4: Tom Martino here, and we've been solving problems, answering questions,
Speaker 4: taking complaints, making your life a little easier, as we've
Speaker 4: done for forty five years. Listen, there's something I got
Speaker 4: to bring up because it comes up all the time.
Speaker 2: Shipping.
Speaker 4: Don't assume when you ship something it's automatically covered. It's
Speaker 4: automatically covered by the shipper, or by you or by
Speaker 4: someone else. And when do you own something Do you
Speaker 4: own it when you make the transaction or do you
Speaker 4: own it when you get delivered? For example, if you
Speaker 4: make a transaction online and they ship it and it
Speaker 4: doesn't get to you, whose.
Speaker 2: Problem is it?
Speaker 4: It's your problem unless you make a contract that's fulfilled
Speaker 4: upon receipt of it at your door, it's really your problem. Now,
Speaker 4: Amazon kind of takes the risk out of it because
Speaker 4: Amazon makes it so if they ship something and you
Speaker 4: don't get it, they'll send it out again. Amazon is
Speaker 4: really in a class all by itself. But if you're
Speaker 4: ever dealing online, for example, we've had this happen from
Speaker 4: peer to peer transactions. Somebody buys something in North Carolina
Speaker 4: and John Smith goes and puts something in a box
Speaker 4: and takes it to FedEx.
Speaker 2: FedEx never delivers it. It's lost.
Speaker 4: That's your problem, that's not John Smith's problem. Unless John
Speaker 4: Smith never took it to FedEx. That's a whole different ballgame.
Speaker 4: That's why you want to receipt. But shipping we always
Speaker 4: take for granted, and we shouldn't. We should look into
Speaker 4: everything we buy if it's important, and who's ensuring it
Speaker 4: and who's responsible for it until you get it in
Speaker 4: your hands. All right now, Tricia said she had a
Speaker 4: car radio put in at Car Toys and was on
Speaker 4: the highway within fifteen minutes or so and her hood
Speaker 4: flew open. Now that's too much of a coincidence, Tricia,
Speaker 4: What do they say?
Speaker 14: They kept telling me by it wasn't their fault that
Speaker 14: they never opened up the hood at all, even though
Speaker 14: I know they would have to disconnect the battery to
Speaker 14: do any electrical work in any car.
Speaker 2: What kind of car do you have?
Speaker 12: It's a two thousand and two Canday XT three fifty.
Speaker 2: Okay, now what harm did it do?
Speaker 12: Currently? My hoot is bend in half and it will
Speaker 12: not latch again. I also have a giant dent in
Speaker 12: the top of my car.
Speaker 2: How much is this all going to cost to fix?
Speaker 12: I'm not sure. I haven't gone to a body shop yet.
Speaker 12: Just because we've been trying to work with their insurance
Speaker 12: on trying to cover it.
Speaker 2: What does their insurance say?
Speaker 12: Their insurance has not contacted me at all. They keep
Speaker 12: telling me they're putting in a claim, but nobody's contacted
Speaker 12: me about anything.
Speaker 4: Tricia, I would handle this by getting an estimate, and
Speaker 4: if it's under seventy five hundred, I would take the
Speaker 4: car toys to small claims court. As soon as you
Speaker 4: file that, they have to put submit it to their
Speaker 4: insurance and they won't ignore you.
Speaker 2: I don't see now.
Speaker 4: Now they claim they have videotape and they've never opened
Speaker 4: the hood of your car, right, And they said the
Speaker 4: only way you get the videotape is if there's a case.
Speaker 4: So if you file a case in small claims court,
Speaker 4: you can subpoena that tape, but that tape has to
Speaker 4: be I don't know, Like they have a static cam
Speaker 4: on that car that shows the hood was closed the
Speaker 4: whole time.
Speaker 2: I mean that seems that seems weird to me.
Speaker 12: Yeah, they're saying that they have security cameras in their
Speaker 12: garages and they.
Speaker 16: Were looking at that right right.
Speaker 4: I understand what they're saying, but it seems me there's
Speaker 4: too much of a coincidence. I mean, you've driven around
Speaker 4: in that car for a while and never had a problem.
Speaker 4: But what I still don't understand is why the safety
Speaker 4: latch did not catch it. Did you not have a
Speaker 4: safety latch on your car?
Speaker 12: I don't know for sure. I'm like ninety nine percent
Speaker 12: sure it does, though, because I'm pretty sure every single
Speaker 12: car has a security latch.
Speaker 2: Well they're supposed to.
Speaker 4: So if it comes loose, you still have to reach
Speaker 4: your hand in there to open the hood.
Speaker 8: Yeah, that's what I have to do, well, I know.
Speaker 2: But so there still is a safety latch there.
Speaker 12: Yeah, there is a safety latch. Now that you explain
Speaker 12: that to me, I do have to reach under the
Speaker 12: car and hit a latch to open it all.
Speaker 4: The way okay, okay, you pull a cord or something,
Speaker 4: or you pull an activator in the cockpit, or press
Speaker 4: a button that pops the hood. Then you go out
Speaker 4: and put your fingers in there and open it.
Speaker 2: Is that how you do it?
Speaker 17: Exactly?
Speaker 12: That's exactly how I do it.
Speaker 2: Okay?
Speaker 4: Right now? How closed does your hood get? Are you
Speaker 4: able to drive your car?
Speaker 12: The only way I'm able to drive my car right
Speaker 12: now is because a cop actually came to the highway
Speaker 12: and tied it down with a rope, and I can't
Speaker 12: go over forty or fifty miles an hour.
Speaker 4: All right, I want you to I don't know how
Speaker 4: we figure. Who do we ask about installing a radio?
Speaker 4: Let's ask Kevin Colkin? Okay, did they do electrical work?
Speaker 4: I want to ask one of our experts. Can you
Speaker 4: install a radio? What did you have done? Did you
Speaker 4: have a new antenna put on it too? Or just
Speaker 4: a radio?
Speaker 12: It was just a radio. I'm only using it for Bluetooth.
Speaker 4: And are you claiming that they had to do something
Speaker 4: you said to get to the battery? What what are
Speaker 4: you What did you say in the beginning.
Speaker 12: They have to open up the hood and disconnect the battery.
Speaker 12: So that if they why any wires are not.
Speaker 16: Going to recopuite themselves?
Speaker 4: Yeah, well they Okay, I don't know if they have to.
Speaker 4: Let's ask Kevin. Okay, hold on, Trish and we'll come
Speaker 4: back to you. So, Kachina, I want you to call
Speaker 4: Kevin Caulkin just if he has a comment on this,
Speaker 4: since they do electrical work. They do electrical work at
Speaker 4: Shared and Auto Tech. Steve, what is your issue with
Speaker 4: Wells Fargo?
Speaker 9: Steve, Hello, Tom, well boy. I bought a truck I
Speaker 9: had fifteen years ago, and it was financed through Wells Fargo.
Speaker 9: That's who they used at the time, local dealership. Over
Speaker 9: a period of about another five or six years, I
Speaker 9: kept getting these residual checks where they charged me for
Speaker 9: insurance which wasn't necessarily they charged me wrong interest rate, whatever.
Speaker 9: But it comes down to I got a letter in
Speaker 9: the mail the other day David May seventh. David sent
Speaker 9: out a cash heres check in April or April of
Speaker 9: twenty twenty one. I never received it.
Speaker 2: Now here's what I want to ask him. I'm a
Speaker 2: little confused here. I'm a little confused, So help me out.
Speaker 2: Did you buy your truck new fifteen years ago.
Speaker 9: No, it was a youth truck at the local local
Speaker 9: Dodge dealer.
Speaker 4: Okay, And when you bought it fifteen years ago? How
Speaker 4: long was your loan?
Speaker 9: I believe it was a four year loan. Again, I
Speaker 9: hardly remem mean I remember, I can't about it.
Speaker 4: So you bought a truck fifteen years ago and took
Speaker 4: out a four year loan and took out a four
Speaker 4: year loan with Wells Fargo.
Speaker 2: Yes, and then what happened? Okay, I got it and
Speaker 2: then you paid it off?
Speaker 9: You I paid it off.
Speaker 2: You paid it off, and then what you should be
Speaker 2: done with? And then what?
Speaker 9: Well, that's right? But then I kept getting these letters
Speaker 9: of checks in the mail, the one.
Speaker 4: Okay, but how long after hold on, Steve, after you
Speaker 4: paid off your truck, you paid off your truck, roughly
Speaker 4: ten years ago. After you paid off your truck, when
Speaker 4: did you start receiving those checks?
Speaker 9: I would say within three to four months? And again,
Speaker 9: the last one was issued on April. I'm sorry, August thirtieth,
Speaker 9: twenty twenty one. I was supposed to the last, the
Speaker 9: one I'm worried about.
Speaker 2: And what were they called refund checks?
Speaker 9: Well, there's little letters that we had miscapculated the interest?
Speaker 9: Was I one of them? As I remember, they overcharged
Speaker 9: me interest or something because when I paid it off,
Speaker 9: I paid it full before loans.
Speaker 2: Well, there was a class action lawsuit?
Speaker 4: Did they mention this was in payment of a class
Speaker 4: action lawsuit that you may have been part of?
Speaker 2: Oh?
Speaker 9: I don't remember. I do remember kell was for insurance
Speaker 9: because I had insurance on the vehicle. But they went
Speaker 9: ahead and charged me insurance anyway.
Speaker 4: All right, Okay, Now what I want to know is
Speaker 4: this is Jay, How much were those checks each one?
Speaker 1: Like?
Speaker 2: Were they for one thousand bucks? Two hundred?
Speaker 9: I think the highest one was the two or three
Speaker 9: hundred dollars for the insurance. All the others were like
Speaker 9: fifty thirty five, twenty five. They're just very small.
Speaker 2: Okay, got it? Okay? And now why are you concerned
Speaker 2: if the check?
Speaker 4: First of all, you bought the truck, you paid it off.
Speaker 4: Why are you concerned that the check stopped?
Speaker 17: Okay?
Speaker 9: No, No, not concerned the check stopped. I received a letter
Speaker 9: on May seventh stating that on August thirty five, thirtieth,
Speaker 9: twenty twenty one, I was issued a cash your's check
Speaker 9: for some baby that's what was on what it was for?
Speaker 9: And it was never been cashed? Well, I never got
Speaker 9: the check.
Speaker 4: Okay, so Steve, Wells Fargo called you and said you
Speaker 4: never cashed the check.
Speaker 9: Well, last year I got a letter from the Unclaimed
Speaker 9: Property Department.
Speaker 2: And are you positive it is from Wells Fargo the letter?
Speaker 9: Oh absolutely. I spent an hour and a half at
Speaker 9: Wells Fargo yesterday trying to get this straightened out, and
Speaker 9: they they and how.
Speaker 2: Much is the check for?
Speaker 9: It was? Fact?
Speaker 2: How much is it?
Speaker 9: Four dollars and sixty two thirty one dollars and sixty
Speaker 9: two cents.
Speaker 2: That's what we're chasing right now. Thirty one bucks.
Speaker 4: Yes, So this whole thing you're going through is to
Speaker 4: get a check for thirty one dollars cashed.
Speaker 9: Well know, yeah, I mean I just I went to
Speaker 9: the bank and I explained something on this letter.
Speaker 4: What was it for? Why did Phil's Fargo? Why did
Speaker 4: they issue this thirty one dollar check?
Speaker 9: I have no idea again that is this issued four
Speaker 9: years ago.
Speaker 4: I don't mean I'm not making fun of you or anything, Seve,
Speaker 4: but how important is it that you get this thirty
Speaker 4: one dollars?
Speaker 9: Oh, it's not that important. It's just that I followed
Speaker 9: their rules. Okay, honestly, hey, I just go down, like
Speaker 9: the letter said, do what I need to do and
Speaker 9: get it. And that's when it turned into this hour
Speaker 9: and a half fiasco.
Speaker 2: And all you want to know is where did the
Speaker 2: check go?
Speaker 9: No, if I can read you something on this letter,
Speaker 9: it might help it. Go ahead, read it. Okay, there's
Speaker 9: a thing that says what you need to do? What
Speaker 9: do I need to do? The one that says is,
Speaker 9: you know on have the cashiers checking your possession, bring
Speaker 9: this letter to your nearest Wells Fargo branch to place
Speaker 9: the stop payment on the item and claim the funds.
Speaker 9: So that's all I did. I just drove down to
Speaker 9: the bank and figured out give them this letter and no,
Speaker 9: give me the funds and I'll be done. Well, now
Speaker 9: they're saying that they can't do what this letter. They
Speaker 9: cannot issue the funds even though the letter says they can,
Speaker 9: they won't do it.
Speaker 2: At Charles, And what reason do they What reason do
Speaker 2: they give that they can just give you the money?
Speaker 9: Said that they just they're not allowed to. Well, one
Speaker 9: of the things they said, they're not allowed to issue
Speaker 9: a cashiers check to anybody who does not have an
Speaker 9: account with them.
Speaker 2: And they what is the thirty for?
Speaker 9: I have no idea. It's just I say the check again.
Speaker 9: I got these regidual checks that were usually for maybe
Speaker 9: the class option. I don't know. I have no idea
Speaker 9: what this one was for because I never received it.
Speaker 2: So let me let me ask you this again.
Speaker 4: I mean, I don't mind helping you a little here,
Speaker 4: but it's thirty one dollars?
Speaker 2: How how if you just forgot about it? How would it.
Speaker 4: Change your life if you just said, you know what,
Speaker 4: this is not worth the hassle?
Speaker 2: Okay, you're just it's just kind of curious.
Speaker 1: Bo.
Speaker 2: Did I hear you chiming in or somebody? No? This
Speaker 2: is dollar Charles. Have you tried a dollar? Go ahead?
Speaker 9: Oh?
Speaker 3: I'm sorry, Steve, Have you tried checking with a great
Speaker 3: Colorado payback.
Speaker 9: Chack? That was going to be my next thing, but
Speaker 9: apparently I have till June twenty. First you get to
Speaker 9: settled through Wells Fargo. Then they said it'll be translated
Speaker 9: to state known as achievement. If I'm pronouncing that right's.
Speaker 2: Corrects cheap cheap funds. In fact, yes, I think that
Speaker 2: would be easier to deal with.
Speaker 4: It's easier to deal with the escheat Funds than it
Speaker 4: is the bank. Once it goes to the state Treasurer
Speaker 4: as an unclaimed fund, you can do it all online.
Speaker 2: They're very easy to deal with. I would let it
Speaker 2: go to.
Speaker 4: The Eschiet Funds because here's what they're doing right now.
Speaker 4: They don't know where the check is and they're going
Speaker 4: to stop payment on it.
Speaker 2: But they're going to.
Speaker 4: But I don't know why they don't just do it
Speaker 4: for you. I really don't seeve I who knows what
Speaker 4: the hell I tell them?
Speaker 9: I hate to use the old ciche. It's the principle
Speaker 9: of a thing that you know I did. I followed
Speaker 9: their their rules, their laws, their policy, whatever you want
Speaker 9: to call it, to the letter, and they're refusing to
Speaker 9: honor it. So that's a big thing.
Speaker 2: Yeah, I know.
Speaker 4: I would like if you could, could you give us
Speaker 4: a copy of that letter that says, if you don't
Speaker 4: have it, take this letter to a nearby bank.
Speaker 2: Do you have that letter?
Speaker 9: Yeah? I took them. I took it on my cell phone,
Speaker 9: so but they're eligible. I'm tay readable. So uh where
Speaker 9: do I where do I want me to sound?
Speaker 4: I'm gonna put you on hold and tell you and
Speaker 4: Deputy Dollar Dollar, I'd like you to call the bank
Speaker 4: and simply ask them why won't they honor it?
Speaker 2: Yeah, okay, it's their check. It makes no sense at all.
Speaker 4: There's I mean, it's ridiculous and this guy is running
Speaker 4: around for thirty one bucks. Hold on, bro, I gotta
Speaker 4: take a break, all right? Three oh three seven to
Speaker 4: one three talk seven one three eight two five five.
Speaker 4: You heard me talk about fix at twenty four to seven.
Speaker 4: And there's a reason they're into preventive care. That's what
Speaker 4: they do for thirty nine bucks.
Speaker 2: Get your ac deep cleaned of debris and dirt, the
Speaker 2: number one killer of aces, and they'll make sure there's
Speaker 2: a no breakdown guarantee through the entire cooling season. Now
Speaker 2: they dismantle this ac and clean each and every crack
Speaker 2: and crevice. That's fix At twenty four to seven. Now
Speaker 2: you can also have a sumpump done for forty nine bucks.
Speaker 2: So it's fixmihome dot com book.
Speaker 4: Now go with a sure thing Denver's best rufer excel
Speaker 4: Roofing dot com.
Speaker 5: You don't pay a cent until you're content.
Speaker 2: Time for an insurance check.
Speaker 4: Up free no obligation comparison call Compass insurance paying too
Speaker 4: much your coverage at dozens of insurance companies find out
Speaker 4: now three oh three seven seven to one help. You'll
Speaker 4: think you're his only customer when you choose Frank durand
Speaker 4: the real estate Man dot com to list your home
Speaker 4: with Remax Alliance three oh three nine two zero sixteen
Speaker 4: twenty two. Hi Tom Rchino, you're troubleshooter three O three
Speaker 4: seven one three talk seven one three eight two five five.
Speaker 2: So what are we gonna do? Kevin Callkin is with.
Speaker 4: Us, our auto expert at Shardanauto tech dot com. Kevin,
Speaker 4: she had a radio Trisha installed at car Toys. It's
Speaker 4: a new radio. I assume it was replacing one, right.
Speaker 9: Tricia, That's correct, ye.
Speaker 4: And she's driving home after installation and her hood pops
Speaker 4: open on the highway within fifteen minutes. That sounds like
Speaker 4: too much of a coincidence, but they tell her, Tricia,
Speaker 4: we never opened your hood or touched your hood to
Speaker 4: install the radio. And I'd like to know from you
Speaker 4: is that would that be normal?
Speaker 11: Now?
Speaker 18: Because typically you're going to access the battery or some
Speaker 18: sort of a power source and fuses or something depending
Speaker 18: on the car.
Speaker 9: But yeah, no, I disagree. I think they definitely have
Speaker 9: the hood open.
Speaker 4: Yes, uh huh, so, Tricia, he's on your side. Okay,
Speaker 4: that's going to be good. That's gonna be good for
Speaker 4: small claims court. If you go to small claims court,
Speaker 4: you're gonna have to make the case that they had
Speaker 4: the hood open. They never closed it. You never had
Speaker 4: a problem with your hood before. But I mean, that's
Speaker 4: all you can do. And they're gonna deny it. And
Speaker 4: they say they have videotape, Kevin, They say they have
Speaker 4: tape of it closed the whole time.
Speaker 18: Okay, Well, I'd like to know they had to apply
Speaker 18: power from somewhere.
Speaker 4: Can't they tap into the existing Okay, if there's a
Speaker 4: fuse panel in the cabin, can't they access the fuse
Speaker 4: panel without going to the battery.
Speaker 18: Yeah, most of the fuse panels are under the hood anymore.
Speaker 2: Though, what year is this car, Trish?
Speaker 9: It may not be. Yeah, it's an older one.
Speaker 4: So it might be in the in the what you know, what,
Speaker 4: can you drive your car, Trish?
Speaker 12: I can, but I cannot take highways or any like
Speaker 12: roads that go over fifty miles an hour.
Speaker 2: What part of town are you in?
Speaker 12: I mean edge Water by Flown's Lake, but I actually work.
Speaker 16: In Littleton, Okay.
Speaker 4: I wonder if you could drive by one day to
Speaker 4: share it in auto tech and simply have them eyeball
Speaker 4: it and they can tell in a heartbeat whether or
Speaker 4: not they had to up in the hood. Sure they
Speaker 4: they can tell by looking at it. It will only
Speaker 4: take a few minutes. So I'll have Katschina hook you
Speaker 4: up with Shardan Auto Tech for a quick, free inspection.
Speaker 4: And that's Shardan Auto Tech dot com three oh three,
Speaker 4: four five, five seventy two forty two. I think that's
Speaker 4: the best thing we can do at this point, Kevin.
Speaker 4: Do people disconnect batteries when they work on electrical or
Speaker 4: not anymore?
Speaker 9: A lot? You should?
Speaker 18: I mean you should when you're doing that, because you
Speaker 18: can have volta spikes of all kinds when you have
Speaker 18: wires accessed and everything else. So that's the first thing
Speaker 18: we do, is to disconnect the battery.
Speaker 2: Really, and do you just connect the negative or the positive? Oh?
Speaker 18: Either one?
Speaker 9: Whatever is? It is?
Speaker 18: Typically the negative, you know, just so we don't, okay.
Speaker 9: Leave the circuit.
Speaker 4: Yeah, okay, So Chris, he's on He's on Colfax west
Speaker 4: of Wadsworth and you'll find it easily if you go
Speaker 4: to share it in autotech dot com.
Speaker 2: Thank you, Kevin. I think more and more people.
Speaker 4: I mean, first of all, it's very easy. You're working
Speaker 4: under the hood. You close it, it doesn't really latch,
Speaker 4: and then those safety latches are supposed to hold it.
Speaker 4: But if you get highway winds underneath that, there's the
Speaker 4: possibility you're going to blow it open, right keV.
Speaker 18: Sure, absolutely, and things happen. I mean, people make mistakes.
Speaker 18: It's not uncommon and not unheard of us. So yeah, absolutely.
Speaker 4: But they were quick to say they had a videotape.
Speaker 4: I'd love to see it I had. Yeah, So thanks keV.
Speaker 4: Let's do that first church before we do anything else.
Speaker 4: Let's let Kevin take a look at it, see what
Speaker 4: he says, and then we'll contact car toys for you
Speaker 4: before you go to small claims court. I think you're
Speaker 4: gonna win, though, as I said, there's no such thing
Speaker 4: as coincidences. Three oh three seven to one three talk
Speaker 4: seven one three eight two five five.
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Speaker 5: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: all three nine two zero sixteen twenty two.
Speaker 2: Hi Tom Martino here three oh three seven one three
Speaker 2: talks seven one three two five five Hey Steve is
Speaker 2: with a Steve Moss.
Speaker 4: He's the one I wrote our theme song. He also
Speaker 4: writes a lot of jingles around town. He's in the
Speaker 4: media business.
Speaker 2: He also has a brewery. You know, he's a micro brewer.
Speaker 4: I think they call it where you know, small batches,
Speaker 4: and his beer is getting very popular. You know, Steve,
Speaker 4: at what point do you no longer become a micro brewer?
Speaker 2: How many what do you have to produce to be
Speaker 2: a regular brewer.
Speaker 17: That's I think just a common term. Micro brewery actually
Speaker 17: refers to when you just distribute. A brew pub would
Speaker 17: be more of where somebody comes there and drives your
Speaker 17: beer and they have a you know, a casting room.
Speaker 17: We have a chasting license, so ours is in a
Speaker 17: beer garden. You're not allowed to go in the building,
Speaker 17: but you can see the brewery. It's not compliant yet,
Speaker 17: but it's it's really really nice. Actually it's turning out
Speaker 17: super good. This will be our fourth weekend coming up
Speaker 17: and we're doing beer bags and barbecue.
Speaker 2: And you go go to Rockyear, what beer bags?
Speaker 17: It's beer bags and barbecue, corn hole tournament.
Speaker 9: So it's okay, I'm giving away.
Speaker 17: You're not gonna believe what I'm giving away because I
Speaker 17: want to get people to come here that we've been
Speaker 17: having a return customers. It's a cornwall tournament and it's
Speaker 17: going to be just fun. It's not like you know,
Speaker 17: serious where people are coming here. But you can win
Speaker 17: five hundred dollars. If we sell out, we'll have enough
Speaker 17: prize money for the first first place to be five
Speaker 17: hundred dollars and third place would be one hundred dollars,
Speaker 17: second place to be two hundred dollars. But I'm going
Speaker 17: to offer something for your audience only if they register
Speaker 17: for this on rocknroll Dot Beer and go to the
Speaker 17: you know, register for the seventy five dollars, but you
Speaker 17: get the seventy five dollars, You get admission to the tournament,
Speaker 17: You get Famous Stays catered barbecue, a complete meal, not
Speaker 17: just a sandwich, and you get a VIP NASCAR ticket
Speaker 17: to Colorado National Steaedway.
Speaker 9: Plus you get a free beer.
Speaker 17: And with your audience, if the next five people that register,
Speaker 17: I will also give them a Rock and Roll bery hat,
Speaker 17: really nice embroidered.
Speaker 9: Hat with our logo on the hat.
Speaker 4: Now, and that's what is a beer for those of us.
Speaker 4: For those of us that are not hip. What is
Speaker 4: a beer garden?
Speaker 17: It's basically, it's really really nice. We have seating for everyone,
Speaker 17: really nice umbrellas. When it gets stark, we have a
Speaker 17: you know, lighting for it and everything. But it's it's
Speaker 17: really a nice area. We have corner hole games obviously,
Speaker 17: we have other games that you know, you can play,
Speaker 17: and it's just a really nice enclosed privacy fence a
Speaker 17: brewery situation. We have Harley's on display.
Speaker 9: Man.
Speaker 17: It's just it's really cool. You have to kind of
Speaker 17: come here to see how cool it is. With sixteen beers,
Speaker 17: craft beers to choose from. I mean that's unheard of
Speaker 17: for a small brewery. We're only a seven barrel brewery.
Speaker 17: We have sixteen beers, anything from blacks to stout, you know,
Speaker 17: chocolate stout to you know, laggers, pilsners, flavored beers like
Speaker 17: mango beer, lemon, wheat, blood orange, we have some with
Speaker 17: plumb in it. We have you know, it's nothing but
Speaker 17: good reviews.
Speaker 2: When people come here, they and how do people find
Speaker 2: out more?
Speaker 17: Rock and roll dot Beer dot com rock and Roll
Speaker 17: dot Beer. Go to the appointment page and you can
Speaker 17: make an appointment of beer Garden. You don't have to
Speaker 17: make an apployment, but it's wise to do that.
Speaker 9: We have a limited space.
Speaker 17: But join the tournament. Just go to the appointment page
Speaker 17: or actually the homepage. It'll point you right to joining
Speaker 17: and seventy five dollars gets you about seventy five dollars
Speaker 17: worth of stuff, plus you have a fun day of
Speaker 17: born Hall and he can win some money.
Speaker 2: Hey didn't Mark and Sussan drop in on your garden?
Speaker 17: Yeah? Mark, What did you say, Tom?
Speaker 4: Yeah didn't they? I thought I thought he did a
Speaker 4: YouTube video from there.
Speaker 9: Yes he did.
Speaker 17: They went there and they tried, you know, some different
Speaker 17: various They love them, and they.
Speaker 11: Go to a lot of brewery's.
Speaker 17: But I'm going to tell you I have people coming
Speaker 17: here from brewing associations from very far away in Colorado
Speaker 17: across the you know, in Grand Junction, Colorado Springs, Pueblo,
Speaker 17: way up north, and you know, they get into this
Speaker 17: and they always want to try a different bury. It's
Speaker 17: nothing but good reviews. I've been doing it since nineteen Steve,
Speaker 17: I mean, so, Steve, do they.
Speaker 4: Have national contests where you can enter your beers?
Speaker 17: They do. I just don't get in the pat anymore,
Speaker 17: you know, The only thing I care about is what
Speaker 17: my customers like. That's what I like, you know, I mean,
Speaker 17: I used to do that stuff. I do have many
Speaker 17: awards dating back to the eighties and nineties. I'm written
Speaker 17: up in Michael Jackson's book Touring the United States. He's
Speaker 17: a beer expert from England, and you.
Speaker 9: Know, so I have a pretty good history here, all right.
Speaker 4: Steve Moss rockn Roll dot Beer. He's also a pretty
Speaker 4: fun composer. People have heard his jingles and they're all
Speaker 4: over the radio and TV stations. So Steve, we really
Speaker 4: appreciate it. And I'm going to drop in one day,
Speaker 4: and I want to make that literally drop in when
Speaker 4: I can. I'm gonna get back on my feet, have
Speaker 4: helicopter good.
Speaker 2: On my feet.
Speaker 4: I got to earn my medical back after this hillacious surgery,
Speaker 4: and I will absolutely drop in. So thank you very much, Steve,
Speaker 4: appreciate it. Three oh three seven one three talk three
Speaker 4: o three seven one three eight two five five. I
Speaker 4: think of some flavors you'd like to see. He's got
Speaker 4: all kinds of weird flavors. I wonder if he's ever
Speaker 4: done watermelon beer. Hey, Steve, have you ever done a
Speaker 4: watermelon base. Oh did he hang out?
Speaker 2: Did he leave? If he did, I'm wondering what durn
Speaker 2: she does a lot of really interesting flavors. I'm wondering
Speaker 2: if anyone's like I'm Tom Martinez. We have more coming
Speaker 2: up on the Troubleshooter Show.
Speaker 4: Go with a sure Thing Denver's Best Roofer Excel Roofing
Speaker 4: dot com.
Speaker 5: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 9: Yeah, Ritt.
Speaker 1: News. So you don't have come run anxious as fast
Speaker 1: as you can.
Speaker 2: Shooter's gonna help.
Speaker 1: Come man, This is.
Speaker 3: The Troubleshooter Show.
Speaker 4: Now, Tom Martino, Hi, Tom Martino here, this is the
Speaker 4: Troubleshooter Show. Thank you for being here, solving problems, answering questions,
Speaker 4: taking complaints, and making your life a little easier. That's
Speaker 4: what we do here and we'll we'll continue to do
Speaker 4: so all you have to do is give us a
Speaker 4: call three oh three seven one three talk three oh
Speaker 4: three seven one three eight two five five. I have
Speaker 4: some interesting text messages people are talking about and they
Speaker 4: want to know about buying American. They say that they
Speaker 4: see nothing cheaper about buying American and nothing to incentivize them,
Speaker 4: and they go buy the individual product, not by where
Speaker 4: it's purchased. They don't use their dollars to vote politically.
Speaker 4: When it comes to that, some people go so far
Speaker 4: as to seek out American goods, but very few of
Speaker 4: them do. Very few people actually seek out American goods.
Speaker 4: So what do you do? Do you buy American on purpose?
Speaker 4: Do you go out? If you had two products side
Speaker 4: by side, would you pick the one made in America?
Speaker 4: Is that a motivation to you? Because in recent surveys,
Speaker 4: there's been a study on what people do and.
Speaker 2: How they buy and why they buy.
Speaker 4: And much of it has to do with the reason
Speaker 4: behind it. For example, buying American is hardly ever done.
Speaker 4: According to the survey, people do not buy American for
Speaker 4: environmental benefits. They don't now that doesn't mean there are
Speaker 4: no benefits. That doesn't mean that. It just means when
Speaker 4: people go to buy American, what is their biggest motivation.
Speaker 4: It's supporting American jobs. That's the number one reason people
Speaker 4: buy American. The second reason people buy American is to
Speaker 4: strengthen the US economy. And when we say buy American,
Speaker 4: we're talking about things assembled final assembly in America or
Speaker 4: made in whole in America. The other reason is higher
Speaker 4: product quality. So the top three reasons people buy supporting
Speaker 4: American jobs, strengthening the US economy, or higher product quality.
Speaker 4: The last reason people buy American is for the environmental impact,
Speaker 4: and national security is pretty low as well.
Speaker 2: No one believes that you have national security improvement simply
Speaker 2: for buying American. Again, it's up to you what you
Speaker 2: buy and how you buy.
Speaker 4: But I'm all for people buying the best product, and
Speaker 4: I don't necessarily I don't necessarily track with those who
Speaker 4: blindly buy American.
Speaker 2: But again that's up to you. I have some texts
Speaker 2: that say.
Speaker 4: That they find foreign made goods all the time of
Speaker 4: better quality.
Speaker 2: I would say that that's not true.
Speaker 4: I have seen many many products come and go, and
Speaker 4: man Chinese products suck. If it's made in China, there's
Speaker 4: a really good chance it sucks. And I'm telling you
Speaker 4: I tried to give Chinese made products a chance one
Speaker 4: time years ago.
Speaker 2: God did this put a bad taste in my mouth.
Speaker 2: I bought.
Speaker 4: I was at the stock show, the National Western Stock Show,
Speaker 4: looking at tractors, small to medium tractors, not large. They
Speaker 4: were pretty large, but not like the you know, the big,
Speaker 4: the big farms and ranches. We had a small horse
Speaker 4: operation and I'm looking at you know, John Deere. They're wonderful, Ford, Koboda,
Speaker 4: different kinds of tractors, and Massey Ferguson was just starting
Speaker 4: to a resurgence again. And then I saw this Chinese tractor.
Speaker 4: I don't even remember the damn name, but it looked
Speaker 4: nice and it was way less expensive, so I bought it.
Speaker 4: It was the worst purchase I think I have ever made,
Speaker 4: the worst purchase. You couldn't get parts for it, it
Speaker 4: broke down, it wasn't heavy duty enough. But man, did
Speaker 4: it give a good impression for pricing. And again, if
Speaker 4: you go by pricing alone, you might get stung. But
Speaker 4: I personally avoid Chinese products, and I really do.
Speaker 2: I will not buy a product from China. Now I
Speaker 2: shouldn't say that.
Speaker 4: I mean there might be some plastic goods or certain
Speaker 4: things I buy that might have been made in China.
Speaker 4: I'm talking about anything technical or anything mechanical.
Speaker 2: I do not buy Chinese.
Speaker 4: There is just, in my opinion, there are inherent weaknesses.
Speaker 4: Somebody says, here, I buy made in USA as often
Speaker 4: as possible, but our quality has taken a dive after
Speaker 4: forty five years of drying of driving American forward. I'm
Speaker 4: in a process of purchasing a Toyota because of the
Speaker 4: exceptional quality. Now Japanese cars, I will have to agree
Speaker 4: they have superior quality a lot of those Japanese Toyota
Speaker 4: cars that are made in America.
Speaker 2: Depending on the vehicle.
Speaker 4: Somebody else says, Tom, what about technology, I think Americans
Speaker 4: have the best technology.
Speaker 2: That's my own opinion.
Speaker 4: Now I've purchased foreign made goods, probably through American technology companies,
Speaker 4: but when it comes to technology, I think American products
Speaker 4: are the best, or American companies.
Speaker 2: I should say.
Speaker 4: One thing that this texture says they're frustrated with is
Speaker 4: they wish they could have American customer support. A lot
Speaker 4: of customer support is offshore now I'll tell you I
Speaker 4: get very very very frustrated, very frustrated with customer support,
Speaker 4: and I'm going to admit this. I have an automatic,
Speaker 4: uh what is it? An automatic prejudice when I hear
Speaker 4: someone who's speaking and broken English or an accent for
Speaker 4: customer service, and I have a complicated issue because you know,
Speaker 4: I never call customer support for minor issues, so it's
Speaker 4: always something weird, always, and to try to explain it
Speaker 4: to someone that doesn't speak English gives me I'm not
Speaker 4: saying this is true, I'm saying it gives me a
Speaker 4: feeling they're not understanding it. So I try to break
Speaker 4: it down very very basically and very easy, and then
Speaker 4: that gives them the impression. I don't know what I'm
Speaker 4: talking about, but I've had conversations that are really almost
Speaker 4: comical with people on the other end of the phone
Speaker 4: who don't you just can.
Speaker 2: Swear to God they don't understand you.
Speaker 4: And I don't think I've ever had a problem solved
Speaker 4: by a foreigner in a call center. So I don't
Speaker 4: mind people, obviously, I want everyone to work, but there
Speaker 4: is just this language barrier that the worst place you
Speaker 4: can have them is in a call center for technical information.
Speaker 4: I mean it's hard enough explaining a problem to someone
Speaker 4: who understands you, let alone trying to explain it to
Speaker 4: someone who has trouble with the language. To begin with this,
Speaker 4: I always wondered about.
Speaker 7: Yes, I have two companies I can tell you about that.
Speaker 7: I recently bought some stuff. One is Alligience. We bought
Speaker 7: an American flag, which is made in America, not made.
Speaker 2: Other one is weather Tech.
Speaker 7: Well, yeah, which out uh fit the you know, your car,
Speaker 7: the stuff that you I don't know right.
Speaker 2: It's it's your floor mats and cargo mats and the
Speaker 2: stuff in your trunk.
Speaker 7: They do all of that, great company, both of which
Speaker 7: are made in the US A completely and I was
Speaker 7: fine with it. The pricing was great, yeah, and the
Speaker 7: customer service was great. And I know what you're talking
Speaker 7: about about outsourcing. But these companies, there are some that
Speaker 7: still are.
Speaker 2: Around that will take care of you. No, there are
Speaker 2: there are, and I know that for example, when it
Speaker 2: comes to appliances that that's a mixed bag.
Speaker 4: There are some appliances made here. There are some headphones,
Speaker 4: electronic stuff. I'm looking up some stuff here. But we
Speaker 4: have over the years relegated a lot of our.
Speaker 2: Manufacturing to overseas, and that's what Trump's been trying to reverse,
Speaker 2: or to He's been trying to light a fire here
Speaker 2: in America with tariffs.
Speaker 4: Some people don't think that's the right way to go
Speaker 4: about it. Others think it's fair. But most everything, this
Speaker 4: is what's disheartening. I just looked on a survey here.
Speaker 4: Most everything we buy is made elsewhere. So even though
Speaker 4: we say we want to buy American, and Kelly, you've
Speaker 4: talked about some exceptions, most of the stuff available is
Speaker 4: not from America. If you go to Amazon, if you
Speaker 4: go to online to shop, most everything you're presented is
Speaker 4: not made in America. It's just not so will companies
Speaker 4: start up and trying to compete a lot of people
Speaker 4: say they can compete because of the low labor, and
Speaker 4: you know, you can compete with people who are willing
Speaker 4: to work for a few dollars a day, and there's
Speaker 4: nothing we can do about that. You can't force foreign
Speaker 4: countries to pay their workers a fair wage. Three O
Speaker 4: three seven one three talks seven one three eight two
Speaker 4: five five. We have more coming up on the Troubleshooter Show.
Speaker 4: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one.
Speaker 11: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hello Tom Martino here, let's talk trail
Speaker 4: three seven one three talk seven one three eight two
Speaker 4: five five.
Speaker 2: Chris, you have a custody issue. What's going on with you? Chris,
Speaker 2: welcome to the show.
Speaker 17: Well good.
Speaker 11: My custody issue is that my son has been taken
Speaker 11: out of my custody for I had a mental hold
Speaker 11: or check because I had a mental crisis and I
Speaker 11: wanted to get back into therapy. Anyhow, they had considered
Speaker 11: me or made me a kind of a threat, and
Speaker 11: it took my They accosted me, detained me very poorly,
Speaker 11: and threw me into a place.
Speaker 4: Chris, let's go back to the beginning before this happened.
Speaker 4: Were you divorced from the mom?
Speaker 11: We were separated and she has not been involved with
Speaker 11: his with his life for eight years. And I had
Speaker 11: put in a discrepancy.
Speaker 4: Prior prior to this problem. I need to know this, Chris,
Speaker 4: prior to this problem where you had this mental health crisis?
Speaker 4: Were you having shared custody with no issues?
Speaker 11: Well, we have an APR agreement and she had not
Speaker 11: followed through and had abandonment or I abandoned him basically,
Speaker 11: so I had bull guardianship since then.
Speaker 4: Okay, So how long before this mental health issue? How
Speaker 4: long did you have soul custody?
Speaker 11: Oh? Pretty much since twenty sixteen, seventeen? Well, yeah, seventeen.
Speaker 2: How old was he? How old was he then?
Speaker 9: Here?
Speaker 11: Was about three?
Speaker 2: And the mom abandoned him?
Speaker 11: Yes, told us both to leave the house in which
Speaker 11: I was paying for rent, and we had some issues,
Speaker 11: and so Daniel was in my hands and she had
Speaker 11: told us to leave and never come back.
Speaker 2: So we do okay? And I had Yeah, And when
Speaker 2: did you lose that custody?
Speaker 11: DHS felt as if to get involved and put temporary
Speaker 11: custody on him for.
Speaker 2: And who did they give it?
Speaker 4: When they took custody away from you. Who did they
Speaker 4: give it to?
Speaker 11: They gave it to the babysitters that I had him
Speaker 11: arranged to be at for a while, just.
Speaker 2: A babysitter randomly.
Speaker 11: No, no, No, it was his friend's house, like trusted
Speaker 11: friends that he was staying at that weekend. And he
Speaker 11: didn't really But wait a.
Speaker 4: Minute, Chris, Chris, when they took away your custody due
Speaker 4: to the mental health crisis, When they did that, I.
Speaker 2: Need to know.
Speaker 4: So they granted it to somebody that you knew that
Speaker 4: was taking care of the boy with you?
Speaker 11: Yes, like to his friend's house like down the road, right.
Speaker 2: Is it a family member or some stranger?
Speaker 11: No, pretty much some stranger revolt knowing about a year.
Speaker 4: So some guy that you met a year ago, the
Speaker 4: courts granted custody of your child.
Speaker 11: Yes, immediately they did for reasons thinking I was a threat,
Speaker 11: which I was not.
Speaker 4: Well this I'm very concerned about this. This sounds asked backwards.
Speaker 4: They gave custody to a friend of yours. And what
Speaker 4: do they know about this friend or what does is
Speaker 4: this friend related.
Speaker 2: To you in any way?
Speaker 11: No? Negative?
Speaker 2: And who is it that granted custody to this person.
Speaker 11: The point of vis the police apartment. Who it was
Speaker 11: the DHS that's got involved?
Speaker 4: Does this guy? How did you meet this guy? This
Speaker 4: guy that has custody now or guardianship?
Speaker 11: I don't think it's not anymore because they had split up.
Speaker 11: It was Hannah and Chad, which were kind of friends
Speaker 11: that we met a year ago. They moved here and
Speaker 11: they were a couple that were taking care of She
Speaker 11: was taking care of her son. She's a single mom,
Speaker 11: and but was engaged. I don't know if they were engaged,
Speaker 11: but they had a good relationship it seems. And their
Speaker 11: son goes to the school that Daniel goes to.
Speaker 2: So I get it.
Speaker 4: Well, here's what I need to know. Now, here's what
Speaker 4: I need to know. Now, where is the boy now?
Speaker 4: And who has custody?
Speaker 11: He's in custody with his friends, another friend from school
Speaker 11: and their parents, which is a.
Speaker 4: Did those parents? Did those parents file for custody?
Speaker 11: No? No, it's under a temporary custody or something.
Speaker 2: It's like emergency custody. Right.
Speaker 11: Yeah, it's just been very frustrating. I'm trying to figure
Speaker 11: it all out.
Speaker 4: Tell me what what happened? I understand with any mental
Speaker 4: health clare crisis, though they always give the parents a
Speaker 4: path back.
Speaker 2: What did they say you had to do?
Speaker 11: Well, I'm going into I'm into therapy and stuff like that,
Speaker 11: and uh, what can you describe?
Speaker 2: Can you describe the mental health crisis? What happened?
Speaker 11: Well? For instance, you know I had uh, I had
Speaker 11: taken a chocolate bar anyways, and I had I had,
Speaker 11: I went into a deep depression, had little psychosis and
Speaker 11: I was kind of hallucinating bad thoughts and was I
Speaker 11: now know how have an member for like a mental
Speaker 11: crisis or I help crisis line?
Speaker 2: Okay, Chris, did you have gnosis? Chris? Do you have
Speaker 2: a diagnosis?
Speaker 11: Yes, I have diagnosis with a little PTSD depression and ADHD.
Speaker 2: Okay, are you on medications now?
Speaker 11: They actually tried to put me on some of these
Speaker 11: weird psychotropics. They're pheno barbituates. I don't take those anymore.
Speaker 11: They put me on adam exapine. I don't take those anymore.
Speaker 11: It doesn't work. And then they want to put me
Speaker 11: on alonzapine. And I take kalanity and for sleep sometimes
Speaker 11: because I'm okays omniac.
Speaker 4: Okay, And what did they say you have to do
Speaker 4: to get custody back.
Speaker 11: I'm just follow their loops, and uh, you know, I've
Speaker 11: been kind of being treated like a criminal through this
Speaker 11: whole process, and I'm not trusted with mine.
Speaker 2: Did you.
Speaker 11: Well taken care of it?
Speaker 4: Did you have to do anything? Did you do anything
Speaker 4: with your son when you were going through this episode?
Speaker 11: No? Negative? No?
Speaker 2: Okay? And do you get visitation with your son?
Speaker 9: Yes?
Speaker 2: Okay? What do you need from us?
Speaker 11: I'm just curious as to what to go on because
Speaker 11: I feel like I was mistreated in some of it
Speaker 11: and being treated for you know, different diagnosis that they
Speaker 11: haven't diagnosed me with and gave me a plethora of medications.
Speaker 11: But also I'm stable, and they want to give me
Speaker 11: a civil charge or whatnot for a negligence or dependency.
Speaker 9: Thing.
Speaker 2: And I think it's it's it's called dependency. Hold on,
Speaker 2: it's called dependency and neglect. Are they charging you with that?
Speaker 11: Yeah? They want to put a civil charge on that.
Speaker 11: It's civil, I guess. And I don't see the purpose
Speaker 11: of it because he was well taken care of and
Speaker 11: still has a good home and a loving father to
Speaker 11: be with. And I just kind of felt like I
Speaker 11: was duped into the situation for I don't know some reason.
Speaker 4: It's important that we know. It's important that we know
Speaker 4: what they're trying to do. Are they trying to press charges?
Speaker 11: I think so? And so the trial is coming up
Speaker 11: here pretty soon. And this has been going on since.
Speaker 2: Hold on, hold on, if there, if they have a
Speaker 2: trial coming up, they're not thinking about pressing charges. They
Speaker 2: already pressed charges.
Speaker 11: Yes, I've been treated guilty until like, I guess what did.
Speaker 2: They charge you? What is your formal charge?
Speaker 11: A neglect? Independency?
Speaker 2: Okay, all right, and you need to get an attorney or.
Speaker 11: Has made sure he's well taken care of.
Speaker 2: You need to get an attorney, Chris. You can't go
Speaker 2: there alone.
Speaker 11: Because the because the attorneys that are appointed to me
Speaker 11: are not really representing me the way I wanted to be.
Speaker 2: So you have an attorney appointed.
Speaker 11: Yeah. And when I was in the when I was
Speaker 11: in the hold, they gave me all sorts of medications
Speaker 11: that made me feel growdy, woozy, and I took my
Speaker 11: phone so I couldn't have communications to get a hold
Speaker 11: of the parties.
Speaker 2: Chris, and Chris, listen, listen.
Speaker 4: If you're charged with dependency and neglect, that could take
Speaker 4: away your custody forever.
Speaker 11: I know.
Speaker 2: You need to work with these attorneys appointed.
Speaker 11: To you, right, And that's what I've been doing.
Speaker 4: You have to because if you try now to hire
Speaker 4: your own attorney, you can't afford one. And the attorney
Speaker 4: that's appointed to you, did he or she give you
Speaker 4: any information on what you need to do?
Speaker 11: Yeah, I'm going I'm following through it there and doing
Speaker 11: all the classes I need to.
Speaker 4: And yes, what do they think the outcome will be?
Speaker 4: What do they what do they think the outcome is
Speaker 4: going to? What do they think the outcome is going
Speaker 4: to be?
Speaker 11: I have no idea. I don't think like them. I
Speaker 11: don't know how to.
Speaker 2: I don't Okay, So when you.
Speaker 17: Call the.
Speaker 11: One of the attreees, when you called us, yeah, because
Speaker 11: I told it. I was told it was a good idea.
Speaker 2: Yeah, well we we from But from what I'm hearing.
Speaker 2: From what I'm hearing, they've done everything properly. They put
Speaker 2: your son in emergency custody. They took them away from
Speaker 2: you because of this crisis you had. You admit you
Speaker 2: had a crisis. You're being charged with dependency and neglect.
Speaker 2: But if you have a diagnosis, that helps to diminish
Speaker 2: that dependency and neglect. Does your attorney say the charges
Speaker 2: will be dropped if you cooperate with them?
Speaker 11: Yes, I believe so.
Speaker 2: Yeah, well that's the road you should pursue.
Speaker 11: Yeah, and then you know, I put in an abandonment
Speaker 11: a long time ago, and jeffco for I mean my
Speaker 11: son and his mom hasn't been a part of his
Speaker 11: life for eight years. God knows why.
Speaker 4: Yeah, but that's not going to help you now. Proving
Speaker 4: abandonment against his mom has nothing to do with your case.
Speaker 4: Right now, you have to concentrate. You have to concentrate
Speaker 4: on fighting this dependency and neglect and you need to
Speaker 4: lean on a diagnosis instead.
Speaker 2: You need to say, I was sick.
Speaker 4: I'm being treated I want a path back to being
Speaker 4: a dad. That is, if you go in with that attitude,
Speaker 4: that's what's going to work. If you go in with
Speaker 4: an attitude that they didn't treat me properly, they gave
Speaker 4: me the wrong meds, they did this, they did that,
Speaker 4: you're not going to make it.
Speaker 2: It's not going to be right.
Speaker 4: You literally need to work with that attorney and tell
Speaker 4: that attorney that you don't want a dependency neglect conviction
Speaker 4: you want to cooperate with them, and then they will
Speaker 4: offer you some kind of a plea.
Speaker 2: Yep, it's a plea deal.
Speaker 4: I got to take this break, but Chris, really, I mean,
Speaker 4: you have the tools in your hand right now. You
Speaker 4: got to ask them. You got to ask your attorney
Speaker 4: to get you a plea deal. I'm Tom Martine Moore
Speaker 4: coming up. Go with a sure thing Denver's best roofer
Speaker 4: Excel roofing dot com.
Speaker 5: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three O three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank to the real estate man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 4: here's three oh three seven one three talks seven one
Speaker 4: three eight two five five. All right, we got a
Speaker 4: lot more to talk about. I got some texts coming up.
Speaker 4: I want to find Tom. The reason I don't buy
Speaker 4: American is because things are not easily identified as to
Speaker 4: where they're made.
Speaker 2: How do you know?
Speaker 4: I mean, you really got to do some research to
Speaker 4: find things made in America. So that was one comment
Speaker 4: that I find. You know, that's pretty accurate. You don't
Speaker 4: automatically know if something is made in America. I mean,
Speaker 4: there are some signs that they made in America a lot,
Speaker 4: but not all products. Do you know where things are made?
Speaker 4: When you look at them?
Speaker 2: Do you know? And how do you know?
Speaker 1: Three?
Speaker 2: Three seven to one three talks seven one three eight
Speaker 2: two five five.
Speaker 4: Here's the text, Tom, I'm starting a business, and you
Speaker 4: once mentioned there were five common mistakes people make. I
Speaker 4: thought I wrote them down, but let me explain this
Speaker 4: to you because when you're starting a business, let me
Speaker 4: tell you the number one. The number one is before
Speaker 4: you even start. Do a feasibility study before you even start.
Speaker 4: So I don't want to call this starting a business.
Speaker 4: I want to call this thinking about starting a business.
Speaker 2: Do a feasibility study in your head. First. You have
Speaker 2: to make sure that the end result, which is profit,
Speaker 2: is worth doing the business.
Speaker 4: If you want to make yourself a job, that's okay too.
Speaker 4: So when you start a business and you're a tradesman
Speaker 4: of some kind, just call it.
Speaker 2: You know, whatever you do and you have a widget.
Speaker 4: If you can make these widgets and pay for these
Speaker 4: widgets and then pay yourself a good salary, but there's
Speaker 4: no profit at the end, you have to ask yourself,
Speaker 4: can I find a job making the same amount of
Speaker 4: money with these widgets or do I have to do
Speaker 4: my own if you can find another job. It never
Speaker 4: pays to do the widgets and to have a business.
Speaker 4: Not if you can find a job doing it, it
Speaker 4: never pays. Now, if you're intent is to start out
Speaker 4: making a living making the widgets and eventually turn that
Speaker 4: into profit, and then you have not only your wage
Speaker 4: but your profit, then it might be worth doing again.
Speaker 4: People a lot of times mistake wages for profits. Profits
Speaker 4: are above and beyond all operating costs. Part of your
Speaker 4: operating costs would be your salary. And when people start
Speaker 4: a business, they don't always take into consideration their own time.
Speaker 4: They take into consideration everything else, but not that they're
Speaker 4: going to be there forty or sixty hours a week.
Speaker 4: If you can't pay for your time and have profit
Speaker 4: on top of that, it may not be a good endeavor. Now,
Speaker 4: So what does that mean? Pay for your time and
Speaker 4: have profit on top of it, simply what it means.
Speaker 4: But you also have to pay for the product that
Speaker 4: you're selling or the service that you're doing. So please
Speaker 4: take into consideration time. The owner's time is worth money
Speaker 4: as a wage, not profit. Then profits on top of that.
Speaker 4: So if you're spending thirty hours in the business or
Speaker 4: forty hours in the business, and you're making a certain
Speaker 4: amount of money, that's not profit.
Speaker 2: That's your wage.
Speaker 4: Now if you make more than a normal wage, that
Speaker 4: could go into profit, and you can take your profits
Speaker 4: as salary if you want to.
Speaker 2: But the point is this, you want both a.
Speaker 4: Job and profit, or maybe you don't want a job,
Speaker 4: maybe you just want the profit and you want other
Speaker 4: tradesmen to do the job. That's good too. You can
Speaker 4: just be an owner. You don't have to necessarily work
Speaker 4: the business. But when you calculate expenses, you have to
Speaker 4: calculate a number of categories. And the biggest thing that
Speaker 4: people neglect is competition. They don't realize that other people
Speaker 4: will be doing the same thing, so they have to
Speaker 4: allot a certain amount of money to marketing and to
Speaker 4: distinguishing themselves. And if you don't have that as part
Speaker 4: of your line items. Then you're not getting an accurate
Speaker 4: picture because that will eat into profits. And you cannot
Speaker 4: operate a business without marketing. It's simply impossible. So time
Speaker 4: and marketing are the two big things. And then profit.
Speaker 4: What will the profit be after you subtract your time?
Speaker 4: I'm Tom Martinez. We have more coming up on The
Speaker 4: Troubleshooter Show. Three oh three seven one three eight two
Speaker 4: five five. Go with a sure thing Denver's best roofer
Speaker 4: Excel Roofing dot com. You don't pay a cent until
Speaker 4: you're content. Time for an insurance check up free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three all
Speaker 4: three seven to seven to one help. You'll think you're
Speaker 4: his only customer when you choose Frank durand the real
Speaker 4: estate Man dot com to list your home with Remax
Speaker 4: Alliance three all three nine two zero sixteen twenty two.
Speaker 9: Yeah, ripped.
Speaker 2: New need advice so you don't have.
Speaker 1: Come running Just as fast as we can.
Speaker 2: Shooter's gonna help.
Speaker 3: Come dix is the Troubleshooter Show.
Speaker 2: No Tom Martino, Hello Tom Martino. Here, how are you doing.
Speaker 2: What can we do to make.
Speaker 4: Your life easier? Let's just go to the phones and
Speaker 4: talk about it. I've been doing this fifty years, folks.
Speaker 4: I probably heard almost every problem. But if you ever
Speaker 4: give me a problem I haven't heard, I promise you
Speaker 4: one hundred dollars. I'm serious. I I want to find
Speaker 4: out all kinds of problems.
Speaker 2: So if you ever had one i've never heard, call
Speaker 2: I want to hear it.
Speaker 4: And now let's go to the phones. And we have
Speaker 4: Jim who wants to talk about a debit card. Debit
Speaker 4: cards are debit cards are pretty cool.
Speaker 2: Actually, what's going on? Jim?
Speaker 19: Hello Tom? On Friday, I went up to the off
Speaker 19: the black car to the casinos. I used my debit
Speaker 19: card in an ATM machine at a Saratoga Yeah.
Speaker 9: Uh, got out, lost.
Speaker 17: It and let's the casino.
Speaker 19: I got a thing on my phone not five minutes
Speaker 19: later that someone had used my debit card as my
Speaker 19: account number, my pin number and to the penn any
Speaker 19: amount of money I had in my bank account trying
Speaker 19: to take it out. Luckily my bank sawders brought stopped it.
Speaker 19: I went back up funding Oh, good black hawk cop,
Speaker 19: and he said it's been happening occasionally up there. Is
Speaker 19: the only way it can be happening is somebody had
Speaker 19: to have walked over and put one of those scanning
Speaker 19: devices on the ATM machine.
Speaker 2: Before they could have spied. I don't want h oh no, no,
Speaker 2: because they swiped it, didn't they.
Speaker 19: I don't know how they got it.
Speaker 17: I don't know.
Speaker 19: I say, I used my card, I took it back
Speaker 19: out and nobody was around me. Nobody could have seen
Speaker 19: what I.
Speaker 9: Was putting in. But they got it.
Speaker 19: I mean they took it out, tried to take it
Speaker 19: out to the penny Watchally my bank Shawt is fraud
Speaker 19: and frozen instantly.
Speaker 4: Man, your bank is great. What what bank do you have, Jim?
Speaker 4: What bank you have?
Speaker 19: Take bank? But it was bank?
Speaker 2: So now what is your question now, sir?
Speaker 19: No, I'm just trying to put a warning to people
Speaker 19: they're using machine up there, look for those devices because
Speaker 19: wherever it was doing it obviously used it.
Speaker 4: And it's Jim, it's all machines. It's all machines. It's
Speaker 4: not just that one, just all machines.
Speaker 18: Did you did you call the casino back and notify them?
Speaker 19: I called the casino. They called me back about twenty
Speaker 19: four hours later and says we'll go up and look,
Speaker 19: and they come back says, oh, we don't say any device.
Speaker 9: Of course, not trying.
Speaker 4: Hey, Jim, Jim, listen, but you have to you have
Speaker 4: to protect yourself.
Speaker 2: They have right now your You.
Speaker 4: Got to do what I tell you, no matter what
Speaker 4: your bank says. And I hope you trust me. Once
Speaker 4: they have your routing number and your account number, they're
Speaker 4: going to play havoc on you. And it could be
Speaker 4: in a month from now, but you there. But they
Speaker 4: don't need your card to make an ach transfer out
Speaker 4: of your account, so they can do what's called a pull,
Speaker 4: and they don't. People don't understand this about the banking world.
Speaker 2: It's a deep, dark secret.
Speaker 4: But there are no there are no protections for digital transactions.
Speaker 4: When somebody goes in and does a pull, they don't
Speaker 4: need a gun or a knife to rob your bank.
Speaker 4: They just need the routing number and the account number.
Speaker 4: Right now, I have my online bank, I can go
Speaker 4: on there initiate a pull to your account. I put
Speaker 4: in your routing number, your account number. It doesn't ask
Speaker 4: for your approval, it asks for nothing. I hit and
Speaker 4: it will pull out the money that's going to happen
Speaker 4: to you. They're not done with you. In fact, they've
Speaker 4: probably already sold your information. You have to stop it
Speaker 4: from happening in the future. Here's what your bank is
Speaker 4: going to tell you. Okay, okay, go ahead. What did
Speaker 4: your bank tell you?
Speaker 2: I'm interested.
Speaker 19: I went to the bank. I went to the bank.
Speaker 19: They got rid of a car, put a new card in,
Speaker 19: so they locked everything up on that account.
Speaker 2: You know, Jim, it's not locked up. Jim.
Speaker 4: Let me tell you another dirty secret. I don't know
Speaker 4: why banks are not just straight about it. Your bank's
Speaker 4: routing numbers say the same. They gave you a new
Speaker 4: account number. When someone puts through a draft on your
Speaker 4: old account number, it will automatically transfer to the new
Speaker 4: account number. And the reason it does that is because
Speaker 4: you unless you have a major fraud investigation going on,
Speaker 4: it's gonna automatically transfer. They don't tell you this, but
Speaker 4: what you really have to do, and I hate telling
Speaker 4: you this, but I swear to God it is the
Speaker 4: only protection is to close the account and to reopen
Speaker 4: the account at another bank. I know this sounds crazy,
Speaker 4: but I promise you with what they do is they
Speaker 4: create what's called a recurring transaction, and they put it
Speaker 4: through on your old account. When somebody puts through a
Speaker 4: recurring transaction on a closed account, the bank assumes that
Speaker 4: you meant to pay that and it's recurring and it
Speaker 4: got caught in the middle, so they will transfer it
Speaker 4: over to the new account and honor it. Now, you
Speaker 4: can argue and get your money back, but it's going
Speaker 4: to happen all the time.
Speaker 2: They're going to hit that account.
Speaker 4: They have autobots that hit that account a few times
Speaker 4: a month, and you might two years down the road
Speaker 4: get hit, so they never let it go.
Speaker 2: The only way to do it.
Speaker 4: The only way to protect yourself is to have a
Speaker 4: brand new account and at a brand new bank. If
Speaker 4: the routing number is the same, you're screwed. There's also
Speaker 4: something called a cross collateralization agreement.
Speaker 2: It says when.
Speaker 4: You have an account at that bank and one account
Speaker 4: is overdrawn, they can go into your next account. So
Speaker 4: even though they know you've been defrauded, they they don't
Speaker 4: keep track of your account on someone's desk. So when
Speaker 4: someone puts through an account that bounces, they go to
Speaker 4: any other account you have at that bank to settle
Speaker 4: it and it's the worst news in the world.
Speaker 2: Because I swear to God I had to do this.
Speaker 4: Let me tell you what happened Capital one.
Speaker 2: I had a credit card that was hacked.
Speaker 4: I changed the credit card, they killed the card.
Speaker 2: They sent me a new one. But let me tell
Speaker 2: you something.
Speaker 4: When a charge came through on the old account, they
Speaker 4: honored it with a new card. And I asked them
Speaker 4: why they did it, and they said, oh, you have
Speaker 4: a number of recurring accounts and this one is also
Speaker 4: a recurring account. And I said, wait a minute, I've
Speaker 4: never heard of ABC so and so or whatever it was.
Speaker 4: I'm making that up. And they said, but we don't
Speaker 4: know that. And I said, then why don't you decline it?
Speaker 4: And they say, they don't decline it. They approve them
Speaker 4: until the account holder complains.
Speaker 2: So this game, let me tell you how far I
Speaker 2: had to go.
Speaker 4: So I said, I want to close the entire account
Speaker 4: so no one can put anything through on the card.
Speaker 2: And let me tell you what I had to do.
Speaker 4: I had to reapply and qualify credit wise and have
Speaker 4: a brand new stinking account to stop all of the
Speaker 4: fraudulent charges.
Speaker 2: Again.
Speaker 4: They may not happen for a year, but your information
Speaker 4: is out there and will never go away. So Jim,
Speaker 4: I am begging you to shut down the account.
Speaker 2: Now.
Speaker 4: If you can open a brand new account at an
Speaker 4: another bank, it'll help you. If you love the bank
Speaker 4: you're with, Try a brand new account without a cross
Speaker 4: collateralization agreement. In other words, if you open a new account,
Speaker 4: a brand new account, no pre existing numbers whatsoever, and
Speaker 4: even put a different middle initial or something, make it different,
Speaker 4: and then tell them that this account is not to
Speaker 4: be used in a cross collateralization arrangement, and make sure
Speaker 4: you do not sign one. This sounds like I know
Speaker 4: it sounds you didn't want to hear all this, But
Speaker 4: I swear to God I'm telling you the truth and
Speaker 4: it will sting you if you do not take the precautions.
Speaker 19: Okay, some I'm gonna agree with you because I have
Speaker 19: another account. I do DoorDash, and I have an account
Speaker 19: through them. Someone hit that account about two weeks.
Speaker 16: Ago and they saw Yeah.
Speaker 19: However, when I called door Dash to find out how
Speaker 19: to get into card, it came up. Did you try
Speaker 19: to draw money out on this state and on this state?
Speaker 19: You know we closed that account a week ago.
Speaker 9: Right, well?
Speaker 19: Right, trying to use it, So I agree with you.
Speaker 19: It's close the count. I've said, Chase for twenty years
Speaker 19: over there.
Speaker 2: Now, Chase might accommodate you. They might.
Speaker 4: Chase might let you use an alternate name with a
Speaker 4: different middle initial. They may if you tell them. But
Speaker 4: here's what they're going to tell you, which is false.
Speaker 4: They're going to say, oh, Jim, you don't have to
Speaker 4: worry about that. Once that account is closed and you
Speaker 4: open a new one, they can never get the money
Speaker 4: out of the new account. And you say, well, what
Speaker 4: happens to all my recurring transactions? They won't tell you
Speaker 4: the truth because it's too much work on their part
Speaker 4: and they don't want to run the risk of losing
Speaker 4: you as a customer. But that's the dirty secrets of
Speaker 4: banking that new credit cards don't protect you, and new
Speaker 4: accounts don't protect you. You have to close and move
Speaker 4: to another institution.
Speaker 2: I did.
Speaker 4: I had to close every every conceivable relationship I had
Speaker 4: with Chase. I had to and you might have to
Speaker 4: do the same thing. And it's not Chase's problem. It's
Speaker 4: just fraud. And I have a suggestion for people to
Speaker 4: end this. We really need hard keys, something that we
Speaker 4: have to present or wave or scan, and that hard
Speaker 4: key has to be encrypted in such a way that
Speaker 4: it can't be duplicated.
Speaker 2: There's got to be a.
Speaker 4: Way because right now, with all the electronic transfers, we
Speaker 4: have tremendous fraud going on, tremendous fraud. It's one online
Speaker 4: and digital crime is the number one crime right now.
Speaker 4: Number one takes more money than anything. Jim, I appreciate
Speaker 4: you calling. You brought up a really, really really important problem.
Speaker 2: You really did, all right, thank you?
Speaker 4: And Rich, go ahead, Rich, you have a comment on
Speaker 4: bank cards and fraud.
Speaker 2: Go ahead. Rich.
Speaker 20: So I've talked to you before about my wife getting
Speaker 20: scammed last year for ten grand and they did some
Speaker 20: uh transactions, some zell transactions from our first bank. So
Speaker 20: we took your advice and we shut down left that
Speaker 20: left key bank completely went to another bank, and they're
Speaker 20: hitting her on that bank.
Speaker 2: So, oh my god, wait a minute, how the hell
Speaker 2: did they follow her? Rich?
Speaker 20: Your theory of going to a different banks not working
Speaker 20: for us.
Speaker 4: But I want to analyze this, Rich, you actually wait,
Speaker 4: let me take this break.
Speaker 2: This is amazing to me.
Speaker 4: You actually shut it down now that this tells me
Speaker 4: they got something in her phone or something. Hold on,
Speaker 4: we'll talk about this and more coming up. Go with
Speaker 4: a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Wait time
Speaker 4: for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. This hour
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Speaker 4: Everything spelled out there. Okay, Rich said, this is really queer.
Speaker 4: Rich said, Hey, my wife's card was hacked. We changed banks.
Speaker 2: And they followed her.
Speaker 4: I don't understand that, Rich, So what kind of a
Speaker 4: scam or how do we know it's not a new scam?
Speaker 16: All right, good, let's go from the very beginning of
Speaker 16: the first bank. So they got her hook line and sinker.
Speaker 16: We figured this all out.
Speaker 17: What they did is they.
Speaker 16: Called and introduced themselves as the fraud department from Key Bank.
Speaker 16: Then they asked you, can you confirm your social Security number?
Speaker 16: Can you confirm your address? They got so much information
Speaker 16: from her because they said it was They were very
Speaker 16: convincing and they said that we see some fraud on
Speaker 16: your account. So yeah, somehow they've followed us, and they.
Speaker 4: Have well either they followed there is not so much
Speaker 4: they're following you as they are. Well, yeah, they are
Speaker 4: following you, but it's not the bank that they were targeting.
Speaker 2: It's her. So I think, no matter where she goes,
Speaker 2: she has this monkey on her back.
Speaker 4: What we have to do is figure out how to
Speaker 4: get rid of it. So here's what I want to know.
Speaker 16: Got it?
Speaker 2: What do they What do they do? Okay, what did
Speaker 2: you do?
Speaker 16: So the last two the last two were Apple pay
Speaker 16: where they got five hundred dollars each time twice the
Speaker 16: bank gave it back. But it takes time. So what
Speaker 16: we're doing. Now, I know.
Speaker 9: What is called a clear card. So we we told
Speaker 9: them this after what you.
Speaker 16: Said, no no cross.
Speaker 4: Uh collateralization, no cross collateralization realization.
Speaker 16: And our our our ATM card is called a clear card.
Speaker 16: So we only keep what money in there is what
Speaker 16: we spend, so we don't let our paychecks go to
Speaker 16: there or anything and into this into this card.
Speaker 9: So if we want to go to the.
Speaker 16: Grocery store and we want to, uh, all we got
Speaker 16: to do is on our phone is transfer out and
Speaker 16: I do it on my phone, not her phone. It
Speaker 16: is transfer two hundred dollars for groceries. So this clear
Speaker 16: card and if you can use the clear card. This
Speaker 16: that's gone through three eight three at MS now since
Speaker 16: we've had it in January. I'm on the same one.
Speaker 16: So it's not me that they're following.
Speaker 2: No, I know, I know, you know.
Speaker 4: I just think you have Oh my god, it is
Speaker 4: it's getting to be crazy.
Speaker 9: Character.
Speaker 4: There's got to be a way to do it. But
Speaker 4: people give too much information.
Speaker 2: I say, don't do anything on the phone, but I
Speaker 2: don't know. Rich, thank you for the enlightenment.
Speaker 4: He's saying, go ahead, forell them back. Yeah, now I
Speaker 4: think that you're doing the right thing for you. Everybody
Speaker 4: is going to have a different solution. But here's the
Speaker 4: main here's the main deal. Do not keep in the
Speaker 4: same bank if you suspect you've been hacked. Now, as
Speaker 4: with them, they just were hacked. Their life is hacked.
Speaker 4: We got to watch out for devices on our phones
Speaker 4: as well, and there are many good programs for that. Now,
Speaker 4: Renita or Renetta, Rinita, you have a question on real estate. Oh,
Speaker 4: I used to do a lot of real estate, Renetta,
Speaker 4: what is your concern or question?
Speaker 17: Only of the.
Speaker 8: Question having to do with a fire at my home
Speaker 8: And they came in and did an asbestos testing within
Speaker 8: the home itself, and the results came back. And my
Speaker 8: home was built in nineteen forty six. And anyhow, the
Speaker 8: testing came back and said that the entrance way was
Speaker 8: like at seventeen and the other high point was in
Speaker 8: the kitchen in the lighting fixtures, and that was a
Speaker 8: little bit high, but not like a seven. But the
Speaker 8: rest of the house came out to be like twos
Speaker 8: and trees and stuff like that. Well, anyhow, I have
Speaker 8: a detached garage. The garage was packed by the fire.
Speaker 8: But they're saying that there is asbestos degree in the
Speaker 8: garage and they want to do to get rid of
Speaker 8: everything in the garage now and I haven't locked up,
Speaker 8: and I have had it locked up doing this whole thing,
Speaker 8: but I do unlock it to do in myself. And
Speaker 8: they're saying that I can't brought the asbestos in by
Speaker 8: my tracking.
Speaker 2: Well, hold on, now, Renetta, if you brought the asbestos
Speaker 2: in from the tracking, that's not a source and that's
Speaker 2: easily cleaned up.
Speaker 4: If it's not being sourced there, you don't have to
Speaker 4: worry about it. You just have to get it cleaned up.
Speaker 8: And how do I do that?
Speaker 2: Okay?
Speaker 4: First and foremost, I want to make sure you're being
Speaker 4: handled properly by these companies. So what is this company
Speaker 4: proposing you do in the garage? What are they proposing
Speaker 4: you do?
Speaker 8: You're rid of all my stuff because it's.
Speaker 2: Okay, but they don't.
Speaker 4: They're not doing any great remodeling in that garage, are they?
Speaker 8: Nope? And he never tested.
Speaker 2: Okay.
Speaker 4: What I'm concerned about is this, where is the asbestos
Speaker 4: coming from that's showing up in the garage. Is it
Speaker 4: coming from a source or is it coming from being
Speaker 4: tracked in that's what we have to determine first. Once
Speaker 4: you determine that, then what you do is attack it.
Speaker 2: So it really depends on what a good company finds.
Speaker 4: It could be that you're going to need to you know,
Speaker 4: tent it and do it properly from the ground up,
Speaker 4: but your insurance should pay for that.
Speaker 2: So I what we need, you know, I wish Mark
Speaker 2: and Suzanne we're here.
Speaker 4: I don't know if we have and I think Susan
Speaker 4: is listening. Mark might be listening. We need to find
Speaker 4: on our referral list. I think we have some asbestos people.
Speaker 4: I would get some one that we know and trust first,
Speaker 4: just to find out if in fact you have a
Speaker 4: source or it's just environmental from being tracked in. Did
Speaker 4: this existing company give you an idea?
Speaker 2: What did they say?
Speaker 4: They thought it was just debris from being tracked in.
Speaker 8: No, they're saying that it was within the house.
Speaker 2: I understand that.
Speaker 4: But did they say that the one in your garage,
Speaker 4: the asbestos in your garage, where do they say that's coming.
Speaker 8: From being trapped in that There isn't any asbestos in
Speaker 8: the garage itself.
Speaker 4: Okay, okay, that's good, that's good news. Did they determine
Speaker 4: that that there's no asbestos in the garage?
Speaker 8: Should I have it read? I mean, should I hire
Speaker 8: somebody to piss the garage?
Speaker 2: Well? Yes, but are you here's trying to get at
Speaker 2: your main concern is you don't want to throw away
Speaker 2: all your stuff in the garage.
Speaker 8: No, I want to keep all of it.
Speaker 4: Well, your insurance should pay Your insurance should pay for
Speaker 4: cleaning it.
Speaker 2: So what's the issue.
Speaker 8: The issue is that there is no ASBESTUS in the
Speaker 8: garage itself, and they did not test the garage, and.
Speaker 4: No, I understand, but what's the issue about getting your
Speaker 4: stuff cleaned?
Speaker 8: It isn't that it's getting cleaned. It's just that they're
Speaker 8: saying that there's ASBESTUS on the outside of my home
Speaker 8: and stuff, and the hot fire was on the south side,
Speaker 8: and they don't have that plastic down or what do
Speaker 8: I want to call it in pain or whatever? But
Speaker 8: the rest place, okay, I don't know what.
Speaker 2: All right, it's okay, it's okay, Rannetta. Listen. I think
Speaker 2: what you're I think what you're asking. You're asking if.
Speaker 4: We had a SBESIS tracked into the garage and if
Speaker 4: my stuff was contaminated.
Speaker 2: Can it be cleaned. That's what you're asking, right.
Speaker 4: What is that noise I'm hearing in the background are
Speaker 4: people talking?
Speaker 2: Do you have the radio on?
Speaker 4: If you have the radio on, You're going to be
Speaker 4: very very confused, So I suggest you turn the radio
Speaker 4: down and not listen to us. So I'm asking you,
Speaker 4: this is the main reason for the call. You want
Speaker 4: to know if you had you know if you have
Speaker 4: to get rid of your stuff or can it be cleaned?
Speaker 2: Is that the main purpose of your call?
Speaker 8: No, the main purpose of my call is having to
Speaker 8: do with ess.
Speaker 21: I mean they're saying that the around my house on
Speaker 21: the south side where the fire was at, that is
Speaker 21: where this would be. But they don't have it contained
Speaker 21: or anything there. It's flying ill bound in everything else.
Speaker 2: No, I get it.
Speaker 4: So what is the purpose? I'm trying to figure out
Speaker 4: what you want from us? Like, we want to help you.
Speaker 4: What did you call about? What is your main question?
Speaker 8: Can my stuff in the house be cleaned?
Speaker 4: Okay, That's what I'm trying to figure out. So let's
Speaker 4: get Rock on and we might have to have you
Speaker 4: on tomorrow.
Speaker 2: We have Rock.
Speaker 4: Who is with American Restoration twenty four to seven. He's
Speaker 4: a good guy and he knows a lot about this.
Speaker 4: I want to ask him, not necessarily that you hire him,
Speaker 4: but I want to ask him about the procedure when
Speaker 4: it comes to asbestos. So hang on there, I gotta
Speaker 4: take Do I have to take this break?
Speaker 2: Am I behind here?
Speaker 1: Bro?
Speaker 4: Okay, I'm going to take this break. Three oh three
Speaker 4: seven one three eight two five five. Hang on, Renetta,
Speaker 4: go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot com.
Speaker 5: You don't pay a cent until you're content.
Speaker 4: Wait time for an insurance check up free, no obligation
Speaker 4: in comparison, call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three oh
Speaker 4: three seven to seven to one help. You'll think you're
Speaker 4: his only customer when you choose Frank durand the real
Speaker 4: estate Man dot com to list your home with Remax
Speaker 4: Alliance three oh three nine two zero sixteen twenty two.
Speaker 4: Hi Tom Martino here three oh three seven on three
Speaker 4: talks seven on three eight two five five. Let's get
Speaker 4: rock on from American Restoration twenty four to seven and
Speaker 4: rest two four to seven dot com. Hey Rock, Yes,
Speaker 4: how you doing Rock? So on on this kind.
Speaker 2: Of asbestos stuff.
Speaker 4: She has. She had a fire in her house. They
Speaker 4: discovered asbestos in some areas, just two main areas, and
Speaker 4: then they said out in the garage there was some
Speaker 4: asbestos that showed up in the air, and they believe
Speaker 4: that is from her tracking it into the garage from
Speaker 4: the house. Now, Renetta, I want to ask you something.
Speaker 4: After the fire, did you move anything from the house
Speaker 4: into the garage?
Speaker 3: No?
Speaker 2: Okay. They just think from you moving in and out
Speaker 2: of the garage that you can tab minated it. Yeah, okay.
Speaker 2: Now my next question for you.
Speaker 4: Are they saying you need to throw away all of
Speaker 4: your personal property in the house and garage?
Speaker 12: Ye?
Speaker 4: Yes, okay, And you want to know and here's the
Speaker 4: sixty four thousand dollars question rock.
Speaker 2: Can personal belongings be cleaned.
Speaker 22: Out of scent? Clothing can be laundered. Now, couches and
Speaker 22: things of that nature. I would render those, you know,
Speaker 22: because those are deep, deep set type of things.
Speaker 2: You throw them out, those out, I would throw them out.
Speaker 22: Anything stofts, anything steel can be cleaned to to industry standards.
Speaker 22: Clothes can be laundered, and I would just do it
Speaker 22: on that basis.
Speaker 17: You know what, what.
Speaker 2: About plastic stuff? What about plastic stuff?
Speaker 22: Yes, if it's if it's if it's you know, TV,
Speaker 22: a TV, even though you just spent one thousand dollars
Speaker 22: on a brand new TV. It's yours under your discretion
Speaker 22: to clean it and keep it. But it would never
Speaker 22: be one hundred percent cleaned or or should we should say, uh,
Speaker 22: contaminant free. Now, because of the nature of fire, those
Speaker 22: the whole place is pretty much considered contaminated garage. If
Speaker 22: the ac of the ventilation systemas on the fire renders
Speaker 22: quite a bit contaminated. That's just the nature of fire.
Speaker 22: There's nothing anybody and those fibers are very very small.
Speaker 22: They can be around very easy.
Speaker 4: So here's the thing, Renetta, your question was, can your
Speaker 4: personal belongings be cleaned? Rock is saying yes, under certain circumstances,
Speaker 4: they can be cleaned.
Speaker 21: Why it in front of the fire.
Speaker 2: Is there someone else talking to you, Renetta?
Speaker 4: I get the feeling you're talking to someone else, are you, Renetta?
Speaker 8: Yes?
Speaker 4: Yeah, see yes, put that person. Put that person on
Speaker 4: the phone. Just put them on the phone, so we
Speaker 4: don't have the relay tag. Just put them on the phone.
Speaker 8: Part of the question is if the garage was closed
Speaker 8: and secured, not attached to the house in which the
Speaker 8: fire was happened, right, why would the garage even be
Speaker 8: part the situation? Being said? There was no testing, there
Speaker 8: was no checking, the doors were not open. It wasn't
Speaker 8: like it was everything was closed.
Speaker 4: They want to know why the garage is even included
Speaker 4: in this whole mess.
Speaker 2: Rock.
Speaker 22: If the testing proves that they're if there's contamination, you
Speaker 22: know you I can't argue with testing at That's why
Speaker 22: you do laboratory testing. It's their property, it's it's the
Speaker 22: it's it's they can choose to inhabit or have this
Speaker 22: clean to industry standards. It's under their discretion.
Speaker 2: But so here's what I'm asking Rock.
Speaker 4: There is no law or requirement if if if if
Speaker 4: they say, if this company is saying you got to
Speaker 4: throw your stuff out and you can't use the garage,
Speaker 4: I mean, we got to clean the garage. Can they
Speaker 4: simply refuse that service or is there any law that
Speaker 4: says they have to have it done.
Speaker 22: No, there's no law. No, it's their stuff. It is
Speaker 22: their stuff out there.
Speaker 11: Now.
Speaker 22: If they are property managers or they have renters, that's
Speaker 22: a different situation. But if it's their house and they
Speaker 22: want to live in it's it's up to their their discretion.
Speaker 2: Now, So Renetta, Renetta and your friend, they're saying, you
Speaker 2: don't have to go by each and every recommendation of
Speaker 2: the company.
Speaker 4: You can pick and choose what you want to do, okay.
Speaker 4: And that's and with that, I got to take a break.
Speaker 4: So Renetta, I mean, you're welcome to come back on
Speaker 4: with Rock tomorrow and we'll get more into it directly.
Speaker 4: And if you want him to come over and look
Speaker 4: at it, he can do that too, But I have
Speaker 4: to take this break. Rock was with American Restoration twenty
Speaker 4: four to seven amrest two four seven dot com.
Speaker 2: More coming right up.