Speaker 1: Ripped news need advice, so you don't have to come running.
Speaker 1: Just as fast as we can. Shooter's gonna help coming man.
Speaker 2: This is the Troubleshooter Show now, Tom Martine.
Speaker 3: Hey, good morning, good morning, good morning. This is John
Speaker 3: Fuller filling in for mister Tom Martine on the Troubleshooter Network.
Speaker 3: Today is Friday, which means it is car Day or
Speaker 3: truck Day or car.
Speaker 4: And Pitch today, don't forget and.
Speaker 3: Pizza Day and all sorts of other good days. It's
Speaker 3: beautiful outside. We should all be outside enjoying ourselves in
Speaker 3: this beautiful weather. Joining me in the studio today. We
Speaker 3: have our esteem guest Jeff Vic and Kevin Culkin, who
Speaker 3: are here every Friday with Car Day, and we have
Speaker 3: Deputies Doc and Deputy Dmitri in the house and we
Speaker 3: are here to help you with all of your problems.
Speaker 3: We answer questions, all problems, take complaints, and particularly today,
Speaker 3: we help work through every issue you could come up
Speaker 3: with regarding your vehicles and stuff. So whether it is
Speaker 3: a warranty issue, a maintenance issue, a repair issue, a complaint,
Speaker 3: a problem, a challenge, whatever it.
Speaker 5: May be, give us a call. Today.
Speaker 3: We have a couple of follow up issues that we're
Speaker 3: going to get to at some point today. One of
Speaker 3: them is regarding a vehicle. A young lady called us
Speaker 3: the other day with a challenge with the local dealership
Speaker 3: and a warranty that was not covering her transmission repair
Speaker 3: I think it was, and so Deputy Dmitri has a
Speaker 3: follow up on that, and then we're going to go
Speaker 3: first off here to a a gentleman that called yesterday,
Speaker 3: and you'll recall that he had just purchased, well recently
Speaker 3: purchased I should say, a Ford F one fifty and
Speaker 3: had bought an aftermarket warranty. And so I will welcome
Speaker 3: back to the show Billy, who is on the line.
Speaker 5: How you doing, Billy good?
Speaker 4: How are you good?
Speaker 3: So Billy, Just so the listeners are up to speed. Here,
Speaker 3: you bought a twenty eleven F one fifty that had
Speaker 3: almost well like one hundred and eighty four hundred and
Speaker 3: eighty five thousand miles on it at the time that
Speaker 3: you bought it.
Speaker 6: Correct well, it had one hundred and ninety five. That
Speaker 6: was a miscalculation on their part, okay, so they thought
Speaker 6: it was one eighty four and actuality it was one
Speaker 6: ninety five. Well, he had mistyped it when he typed
Speaker 6: it in, so they knew it was one ninety five.
Speaker 3: So the warranty company knew it was one ninety five. Yes, sir, okay,
Speaker 3: So their documents. I've reviewed the douments, by the way,
Speaker 3: Billy sent us a document yesterday. Both myself and Dmitri
Speaker 3: have read it a number of times. We have that
Speaker 3: in front of us. Their documents all say one eighty
Speaker 3: four to five, right, for give or take, and so
Speaker 3: to bring the I mean, really, when we're talking ten
Speaker 3: thousand miles, flip flopping the four in the five or not?
Speaker 5: The or not the crux of our issue here today. Correct,
Speaker 5: But to make.
Speaker 3: A long story short, you drove away a happy camper,
Speaker 3: You financed the vehicle, you're making payments on the vehicle,
Speaker 3: and you're making payments on this aftermarket warranty as well. Correct, Yes, sir,
Speaker 3: all right, and then you fade off into the distance,
Speaker 3: and then all of a sudden, the turbo goes out,
Speaker 3: shells out, and shoots a bunch of stuff down into
Speaker 3: the motor and kills the whole engine.
Speaker 5: Correct.
Speaker 3: Correct, how much is it supposed to cost you to
Speaker 3: fix that whole engine?
Speaker 5: Repairing that vehicle.
Speaker 6: So where's that now? Is dealer and they're just completely outrageous.
Speaker 6: I did get another quote, okay that I sent over
Speaker 6: to them, and it's roughly about fifty five dollars.
Speaker 3: Okay, So the new quote that you got was fifty
Speaker 3: five what the.
Speaker 5: Dealer tell you?
Speaker 3: Absolutely nothing, It was free.
Speaker 5: They didn't give you a quote at all.
Speaker 6: For the Oh for the dealer, yeah no, so their
Speaker 6: quote was twenty thousand.
Speaker 7: Oh okay, Well that's the difference between rebuilt and used, right, Yeah,
Speaker 7: there's no way.
Speaker 8: It's five grand. That's all used.
Speaker 5: So what do you think five grand is trying to
Speaker 5: rebuild the.
Speaker 3: Existing that's a used setup, just to use motors, motor
Speaker 3: dropping one yep, yep, labor and everything that's that's that's low.
Speaker 3: That's thirty low. That's pretty low.
Speaker 9: Even with that, depending on which warranty company this is,
Speaker 9: a lot of the warranty companies will only pay for
Speaker 9: use replacements, particularly on higher mileage vehicles.
Speaker 3: We're not even there, you know, okay, we're just trying
Speaker 3: to figure out how bad the damage is. So so
Speaker 3: what I'm hearing you say is the best deal you've
Speaker 3: got is about five grand to put in a used motor,
Speaker 3: and that's through. Is that an approved like real shop
Speaker 3: or is that a buddy that does work?
Speaker 6: Or no, it is an approved shop?
Speaker 3: Okay, cool, all right, so fast forward. We then contact
Speaker 3: the warranty company. And the warranty company is a company
Speaker 3: called Endurance, and the Endurance contract is here in front
Speaker 3: of me. And Endurance had signed a contract with you
Speaker 3: promising to cover the next one hundred thousand miles of
Speaker 3: your ownership for the low low price of four thousand,
Speaker 3: seven hundred and thirty six dollars. They were going to
Speaker 3: cover that thing mostly bumper to bumper, all the internally
Speaker 3: lubricated parts, and a whole laundry list of stuff, plus
Speaker 3: everything under the sun that they wouldn't cover, right, yes, sir,
Speaker 3: and you contacted them. Now I'm I'm curious. You told
Speaker 3: us yesterday that they just flat denied your claim because
Speaker 3: they said that you misrepresented the mileage. How did they
Speaker 3: come to find out that the mileage was different than
Speaker 3: what they thought it was?
Speaker 6: So when I initially signed the contract, I'd let them
Speaker 6: know that it was one hundred and ninety five thousand.
Speaker 6: The gentleman that typed it in fat finger the key
Speaker 6: did whatever. So when I had presented my claim, the
Speaker 6: maintenance records on that truck showed more than one hundred
Speaker 6: and eighty one hundred and eighty five, right, So the
Speaker 6: last maintenance record was like a one ninety five.
Speaker 3: So are they using the provision that says you didn't
Speaker 3: provide normal maintenance on the vehicle and that's why they're
Speaker 3: going to deny it?
Speaker 5: Or what are they saying?
Speaker 6: They're telling me that I didn't update with the actual
Speaker 6: odomino reading inside the thirty days allotted, But I had
Speaker 6: no idea that they needed that information.
Speaker 3: So I count myself as a pretty good reader. And
Speaker 3: I read that sucker three times at least. And I
Speaker 3: didn't see anywhere in there that it said that you
Speaker 3: had a duty to update and bring them up to
Speaker 3: speed on anywhere. Did they cite some provision of the
Speaker 3: contract that they're relying on for this, No, sir, just
Speaker 3: word of mouth.
Speaker 5: Okay, did they deny it in writing?
Speaker 10: Now?
Speaker 6: They haven't given me anything in writing.
Speaker 3: Did they say that you had materially misrepresented the vehicle
Speaker 3: and that's what they were relying upon?
Speaker 8: Pretty much? Yeah?
Speaker 5: Not pretty much? Did they use those words?
Speaker 6: Not exactly? They turned around, and so the whole denial
Speaker 6: was because I didn't call in with the original o'domino reading.
Speaker 6: The estimate that I gave them was less than six
Speaker 6: hundred miles off.
Speaker 3: Okay, so I'm confused again. You told them one hundred
Speaker 3: and ninety five thousand. Somebody fat fingered the one eighty
Speaker 3: four or one eighty five on the contract, and then
Speaker 3: they noticed that some of your maintenance records were off
Speaker 3: by ten thousand according to their books. Did they ask
Speaker 3: you about the milage? I mean, how did this come up?
Speaker 3: I don't really know how we ran into problems with them.
Speaker 6: So the shop had called me, the dealership had called
Speaker 6: me and said that, and Durance had denied the claim.
Speaker 6: So I had called to find out why, and their
Speaker 6: excuse was because I didn't update the o'domina reading inside
Speaker 6: that first thirty days.
Speaker 3: Okay, all right, Billy, hang on a second. We got
Speaker 3: to go to a quick break. We're going to try
Speaker 3: to analyze this thing here and come up with a
Speaker 3: game play, and so hang type for a second.
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Speaker 11: dot com.
Speaker 12: You don't pay a cent until you're content than.
Speaker 11: Time for an insurance check up free no obligation comparison
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three O three seven
Speaker 11: to seven to one.
Speaker 5: Help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: durand the real estate Man dot com to list your
Speaker 11: home with Remax Alliance three three nine two zero sixteen
Speaker 11: twenty two.
Speaker 3: All right, good morning, We're back live on the Troubleshooter Network.
Speaker 3: John Fuller here filling in for Tom and Mark and
Speaker 3: in the studio with Meir, Jeffick and Kevin Caulkin. Today's
Speaker 3: car Day, and we are knee deep in an issue
Speaker 3: with that started yesterday. Zoe. I promise I'm going to
Speaker 3: get to your issue here in just a little bit,
Speaker 3: but hang tight with us. Uh. Just to recap, Billy
Speaker 3: bought a F one fifty and bought a warranty on it,
Speaker 3: and we're going through a number of steps here to
Speaker 3: figure out why exactly this warranty company denied Billy's claim
Speaker 3: when the turbo went out and the whole motor got shot.
Speaker 3: And we're kind of we're kind of going in circles here,
Speaker 3: Billy between you know what happened, and and and the
Speaker 3: Kevin in the studio here maybe solved it by guessing
Speaker 3: that the original misstatement was that in an application that
Speaker 3: was made to them that they're relying upon, is that
Speaker 3: where they got the one eight five plus or minus
Speaker 3: mileage on this vehicle over the phone, over the phone. Okay,
Speaker 3: so you know, here's here's my take on it. Okay,
Speaker 3: I've read the entire thirty six page contract like three
Speaker 3: times at least. I've highly lighted it, I've gone through it.
Speaker 3: I've got it here in front of me. I'm going
Speaker 3: to tell you why this was perhaps the worst financial
Speaker 3: decision that you've ever made in your life. And then
Speaker 3: I'm going to try to tell you why or how
Speaker 3: we get out of this thing. Okay, if you misstated
Speaker 3: the mileage and and I don't think there's any allegation
Speaker 3: that there was some intentional misrepresentation going on. It sounds
Speaker 3: like to me this warranty company is trying to use
Speaker 3: that misstatement quote unquote of miles to somehow almost invalidate
Speaker 3: the entire warranty. And the only way to cure that,
Speaker 3: you know, that breach, if you will, is to give
Speaker 3: you your money back on it and to just just wipe
Speaker 3: it off and you know, wipe the slate clean now
Speaker 3: for you. That still leaves you with a truck that's
Speaker 3: got a five thousand dollars repair that you need. But
Speaker 3: that's better than oh and five thousand dollars on the
Speaker 3: warranty and a truck that has a five thousand dollars
Speaker 3: motor that it needs, because you're still making payments on
Speaker 3: the truck and you're still making payments on the warranty.
Speaker 3: And so we got to get rid of the warranty
Speaker 3: and get rid of the payments on the warranty, and
Speaker 3: that at least frees up a couple hundred dollars a
Speaker 3: month for you to figure out how to pay for
Speaker 3: this five grand. But here's a couple of things that
Speaker 3: you may not have noticed. And I'm just I'm really
Speaker 3: not calling you out on this building because you're one
Speaker 3: of thousands of people that enter these things. I'm just
Speaker 3: trying to make people understand why these things are so
Speaker 3: bad of an investment to make on your vehicles. The
Speaker 3: first thing is they're not unlimited. I mean, you're not
Speaker 3: buying a new vehicle with a bumper to bumper, take
Speaker 3: it or leave it, anything that happens to this vehicle,
Speaker 3: we're going to cover it. These things are one hundred
Speaker 3: percent of the time capped and limited in the amount
Speaker 3: of money that they'll pay out on a deal.
Speaker 5: It's kind of funny.
Speaker 3: We're sitting here in the studio and there's a commercial
Speaker 3: for this outfit that just came on the television in
Speaker 3: front of us, So what a what a coincidence?
Speaker 5: That's just that's just too darn funny.
Speaker 3: But but nowhere on the commercial does it show that
Speaker 3: they're capping and limiting their benefits to the amount that
Speaker 3: that that they do in the contract. But but surprisingly
Speaker 3: here would you do you know what the cap is?
Speaker 3: Have you looked at it to see.
Speaker 6: I have read through that contract and I do know
Speaker 6: it states and labor costs.
Speaker 3: Yeah, no, here's what it states. We're never going to
Speaker 3: ever pay more than ten grand period over the life
Speaker 3: of this contract. So that could be you know, five
Speaker 3: different repairs of two grand, but once they hit ten
Speaker 3: they're done.
Speaker 13: Or.
Speaker 3: The trade in value of your vehicle at the time
Speaker 3: that the the the covered repair you know, needed to
Speaker 3: be made. So so you're talking about an f one
Speaker 3: fifty that's on I was fifteen years old with two
Speaker 3: hundred thousand miles on it. Do you know what the
Speaker 3: value that truck is today?
Speaker 14: I don't.
Speaker 5: I'll tell you that Nada's trade end value puts it.
Speaker 3: At between about five and maybe sixty five hundred dollars.
Speaker 3: So here's the thing. The maximum they're ever gonna pay
Speaker 3: on that contract is about fifty five hundred dollars. Let's
Speaker 3: call it six just for the easy math. Okay, okay,
Speaker 3: So you paid almost five grand for a warranty. That
Speaker 3: maximum is going to never pay over the life of
Speaker 3: the warranty more than six thousand dollars towards a covered
Speaker 3: repair if they even decide that it's truly a covered repair.
Speaker 7: And and that's a shrinking cap too. Next year, that
Speaker 7: truck's going to be worth less.
Speaker 5: That's exactly right.
Speaker 3: And so you know, they allegedly covered that thing out
Speaker 3: to two hundred and what they thought was two hundred
Speaker 3: and eighty thousand miles. What the heck is an F
Speaker 3: one fifty with two hundred and eighty thousand miles worth
Speaker 3: earth two grand, three grand.
Speaker 8: It's going to every month it's going to be less.
Speaker 3: So every month, their maximum exposure goes down, but your
Speaker 3: payment stays the same, and you're you're paying interest on
Speaker 3: that every single month for the life of this thing.
Speaker 3: Does that seem like a good investment for you? Not really?
Speaker 3: No note of And I'm guessing that I'm guessing that
Speaker 3: nobody sat down and explained that to you, that we'd
Speaker 3: like to sell you something that's going to cost you
Speaker 3: a fortune. We'll never pay off a benefit on it,
Speaker 3: and if we do the value, the benefit's going to
Speaker 3: eventually really quickly be less than what you're paying us
Speaker 3: for it, right, I mean, that's just crazy that anybody
Speaker 3: would buy these things. And so you know, here's the
Speaker 3: good news for you, Billy, And I mean this sincerely.
Speaker 3: This company had thirty eight hundred complaints against it last year.
Speaker 3: They do seem to be fairly responsive to very public complaints.
Speaker 3: And I think that what we should try to do
Speaker 3: in this case is have Deputy Dmitri contact this company
Speaker 3: on your behalf. It may require you to be on
Speaker 3: the phone with them. I don't know what level of
Speaker 3: communication they'll have. And we want to just try to
Speaker 3: get this thing done and canceled and get you back
Speaker 3: whatever we can on it to try to make you
Speaker 3: whole and at least get you out from under this or.
Speaker 8: Pay for the used motor. Well, I mean that would
Speaker 8: be the ideal.
Speaker 3: That would be the ideal thing to do, is that
Speaker 3: there's there you know, maybe that's really the starting point, Dmitri.
Speaker 3: There's been no material misrepresentation. This thing is like, you know,
Speaker 3: we're talking minuscule percentages of the overall mileage. There was
Speaker 3: nothing material. It was done over the phone. They can't
Speaker 3: prove that it was a willful misrepresentation. They've got a
Speaker 3: buyer's order, you know, that was filled out by the
Speaker 3: guy that filled it out, that puts the mileage on
Speaker 3: there that everybody thought it was. There's nothing material and
Speaker 3: it is what should be a covered loss. But worst
Speaker 3: case scenario, if you only get him out of it,
Speaker 3: you've done him a.
Speaker 15: Favor, right right, And now, one of the things that
Speaker 15: our caller needs to keep in mind is I too
Speaker 15: write the contract and if he is successful at canceling
Speaker 15: is which there is a cancelation provision and there is
Speaker 15: tact It seems to be pretty straightforward. He's not going
Speaker 15: to get a refund for what he already paid.
Speaker 3: Well, I don't think he's going to get that anyway,
Speaker 3: because he financed it, so it's not like he paid
Speaker 3: it off in full out of cash. So the best
Speaker 3: they can do is to try to unravel this saying,
Speaker 3: and yes.
Speaker 15: It will be pro rated, but you know, but it's
Speaker 15: better than god knows how many more years of almost
Speaker 15: two hundred bucks a month for a question.
Speaker 14: Wouldn't it be helpful at all to ask them to
Speaker 14: send him a written statement of why the denim acclaim
Speaker 14: so that you have something concrete to talk about when
Speaker 14: you call them.
Speaker 3: That's never a bad idea. I mean, you guys deal
Speaker 3: with this warranty company. What's your experience with them?
Speaker 7: I mean, well, the all warranty companies look for an
Speaker 7: out right, that's their first step is to try to
Speaker 7: figure out how to not cover stuff, so, you know,
Speaker 7: and I can see why they have a mileage clause.
Speaker 7: I mean, this one, okay, wasn't as as egregious as
Speaker 7: you know. I had three hundred thousand. I told you
Speaker 7: I had fifty thousand, so I'm sure it was just
Speaker 7: an automatic trigger, you know, and a conversation made just
Speaker 7: solve the whole thing.
Speaker 3: It's curable, not ten grand off the end date of
Speaker 3: this thing and call it good. I doubt seriously that
Speaker 3: their actuarial tables make a Ford truck with one hundred
Speaker 3: and ninety five thousand miles anymore experience like they actively
Speaker 3: like they wouldn't have covered it Ford truck with one
Speaker 3: hundred and eighty five thousand.
Speaker 5: I mean, come on, it's not it's just not that big.
Speaker 7: Of most of these outfits, you get to the right
Speaker 7: person with the right attitude, with the right information, and
Speaker 7: it's solvable.
Speaker 3: So that's my hope, and and you know, maybe we
Speaker 3: can deal with it. I'm we're going to talk at
Speaker 3: some point when we get a break in the action
Speaker 3: today about the rest of the provisions in this and
Speaker 3: how absurd they are with regard to the arbitration provisions
Speaker 3: and how that actually, you know, how that actually works out,
Speaker 3: and what rights you truly have, And I will map
Speaker 3: out for you what it would look like if you
Speaker 3: truly said, by dang it, I'm going to fight these people,
Speaker 3: and I'm going to go down that road and see
Speaker 3: what happens. And I think you'll just be shaking your
Speaker 3: head about, you know, how ludicrous this whole contract is.
Speaker 3: So so I want you to give your contact information
Speaker 3: to Kelly.
Speaker 5: I know she called you today and she has some
Speaker 5: of it.
Speaker 3: But Dimitri will be in touch with you and you
Speaker 3: guys are going to work together and hopefully we'll have
Speaker 3: some good outcome, you know, at some point in the
Speaker 3: near future. Okay, Billy, fantastic, All right, Bud, good luck,
Speaker 3: and we'll talk to you again soon. Okay, we are
Speaker 3: going to go take a real quick break. We will
Speaker 3: be right back. We've got a couple of calls backed up.
Speaker 5: Zoe.
Speaker 3: We're going to deal with your issue with a moving company,
Speaker 3: and we've got Duey on the line with the transmission issues.
Speaker 5: So hang tight, we will be right back.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com.
Speaker 12: You don't pay a cent until you're content.
Speaker 11: Time for an insurance checkup free no obligation comparison call
Speaker 11: Compass Insurance paying too much your coverage at dozens of
Speaker 11: insurance companies find out now three all three seven to
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the Real estate Man dot
Speaker 11: com to list your home with Remax Alliance three oh
Speaker 11: three nine two zero, sixteen twenty two.
Speaker 16: All right, I'm speechless.
Speaker 3: Here John Fuller for the Troubleshooter Show. Here we are
Speaker 3: having a riveting conversation where Dimitri is trying to explain
Speaker 3: to us that nicotine is practically good for you. I
Speaker 3: think is the best way to sum it up. So
Speaker 3: we are having a lovely discussion about that. But we're
Speaker 3: going to go to the phones again here. And Zoe,
Speaker 3: you've been holding for a while. You've got an issue
Speaker 3: with a moving company. What is going on?
Speaker 5: Zoe?
Speaker 12: Hello?
Speaker 17: So I recently moved from Colorado to Massachusetts, okay, And
Speaker 17: I did some research online of movers that are good
Speaker 17: with interstate travel, and I reached out to Minard's Trucking,
Speaker 17: which is actually a broker which I was unaware of, okay,
Speaker 17: and they contracted me with Swift Moving Services okay. And
Speaker 17: when they came to pick up my stuff, it was
Speaker 17: already a day late and didn't I wasn't contacted about
Speaker 17: who my carrier was, so I was unclear of who
Speaker 17: to pay, how to pay, and then get to my roof.
Speaker 17: I told everyone I have clearer communication that I needed
Speaker 17: my things by than April nineteenth. When I got here,
Speaker 17: and they let me know the day before that that
Speaker 17: was actually my first available dates. But this was not
Speaker 17: listed on the bill of lading that I signed with
Speaker 17: the carrier, and so on their contract they have twenty
Speaker 17: one days to deliver it to me, but I had
Speaker 17: still not gotten my thinks. And in addition to that,
Speaker 17: they tried to tell me that they would need a
Speaker 17: shuttle to bring it to my apartment, which was never communicated.
Speaker 17: They already had the address back in April. It's now May,
Speaker 17: and now they're telling me because they sent me a
Speaker 17: cy saying that they had general liability and workers' compensation coverage,
Speaker 17: they would not give me the policy number or the
Speaker 17: insurance information.
Speaker 14: And I was told by the.
Speaker 17: Broker representative that they actually did not have any active
Speaker 17: workers company, so my property management wouldn't allow them to
Speaker 17: bring my things, which I told them back in April
Speaker 17: that they needed this, and so now I had to
Speaker 17: hire a separate moving company with actual insurance to pick.
Speaker 18: Up my things.
Speaker 17: They said they were going to put it in a
Speaker 17: storage unit, which they didn't end up doing, so now
Speaker 17: I'm having today having to have a reputable company pick
Speaker 17: up my things from the truck.
Speaker 3: Are you at least going to get your stuff. I
Speaker 3: mean that's the next chapter. I'm just waiting for you
Speaker 3: to say that your stuff was missing.
Speaker 17: Yeah, and the driver themselves actually reached out to me
Speaker 17: and said if they come after two pm, we will
Speaker 17: not be here. So I don't even know how to
Speaker 17: handle this situation, but I know that I'm going to
Speaker 17: speak with attorney about fraudulent claims of insurance gut Bridge because.
Speaker 18: This is ridiculous.
Speaker 5: Zoe, How can we help you today?
Speaker 4: One quick question was a brokelyn Florida.
Speaker 3: Yes, they are a broker was in Florida.
Speaker 15: You just look them up there in Florida.
Speaker 4: Yes, we said this just to all the people listening.
Speaker 14: Anytime you get somebody that's a broken Florida, do not pasco,
Speaker 14: do not collect hundred dollars.
Speaker 4: You hang up and find somebody else.
Speaker 14: Every time we've heard a story like this for the
Speaker 14: past i know how many years, it's always a broker
Speaker 14: in Florida.
Speaker 17: Yeah, and there I filed acclaim with the f MC
Speaker 17: or s CSA, and I've been in contact with the
Speaker 17: owner of the brokereen company saying he's going to try
Speaker 17: and figure it out and get me a deal. So
Speaker 17: I filed a complaint on both of the companies.
Speaker 3: Well, I mean, I'm glad that you're sharing the story
Speaker 3: with us. How can we help you today?
Speaker 17: I just want to know if I have a case
Speaker 17: to push forward for fraudulent insurance.
Speaker 5: Well, and if there's any.
Speaker 17: Way that I could positively because I paid almost five
Speaker 17: grand for this.
Speaker 5: Yeah, and so here's kind of my take on it.
Speaker 3: Number One, get your furniture back before you go filing
Speaker 3: all these complaints and stuff. I mean, yeah, you know,
Speaker 3: let's not put the cart before the horse here. You
Speaker 3: need to do what you need to do to protect
Speaker 3: yourself and mitigate your damages and get your darned furniture back.
Speaker 3: Once you've got your furniture, you can file complaints till
Speaker 3: the cows come home. But there's no way that your
Speaker 3: furniture is going to disappear or the truck's gonna miraculously
Speaker 3: break down in a bad neighborhood and they're going to
Speaker 3: forget to lock it and mysteriously everything disappears and stuff
Speaker 3: like that.
Speaker 5: Dmitri, you had a thought.
Speaker 15: Hey Zoe, A couple of quick questions for you. Did
Speaker 15: you pay for this movie with a credit card or
Speaker 15: some other way.
Speaker 17: So I paid the broker. My first payment was with
Speaker 17: the credit card, and then the carrier. It was twenty
Speaker 17: three up front, and then and then when they came
Speaker 17: to pick it up, I didn't know that I was
Speaker 17: supposed to pay the carrier. I thought I was paying
Speaker 17: the broker, which would make sense to me, but they
Speaker 17: wanted only a Zell payment.
Speaker 15: Yeah. Yeah, So what was the total contract price that
Speaker 15: you had planned on?
Speaker 17: So initially my quote was around thirty five hundred because
Speaker 17: I was trying to beat a pod price. But then
Speaker 17: once they had all my stuff, they said, oh, it's
Speaker 17: more cubic feet. I'm like, okay, I understand that, huh.
Speaker 17: And then it ended up being like fifty five hundred.
Speaker 15: And so you paid it. Sounds like you paid about
Speaker 15: twenty three hundred on a credit card to the broker,
Speaker 15: and then the balance and Zell to the actual moving company.
Speaker 17: And yeah, so I paid them.
Speaker 15: How much more?
Speaker 17: I paid them fifty?
Speaker 15: Yeah, I understand, And roughly speaking, how much more is
Speaker 15: this going to cost you to actually get your stuff back?
Speaker 17: To get my stuff it's going to pay It's going
Speaker 17: to cost me another sixteen hundred and eighty dollars.
Speaker 15: That's not bad, John, What do you think of this? Uh,
Speaker 15: there's no chance she's going to get any money back
Speaker 15: from the actual moving company. That's why it was a
Speaker 15: Zell payment instead of a credit card. How about how
Speaker 15: about if Zoe's after she gets her stuff back, her
Speaker 15: first step is just to dispute the charge on her
Speaker 15: credit card because she paid for service that turned out
Speaker 15: not to have been provided. That at least she's not
Speaker 15: going to get made whole, but at least they'll help
Speaker 15: mitigate her damages to the extent of two even for.
Speaker 9: Fraud, she's got sixty days from statement date when she
Speaker 9: paid that.
Speaker 15: Okay, well, yeah, you're right, Jeff. Now, in my experience,
Speaker 15: some credit cards allow you. So in my case, I
Speaker 15: have a credit card that allows a year for me
Speaker 15: to dispute something. It's it's, it's, it's. It really depends
Speaker 15: on who issued the credit card. Is kind of what
Speaker 15: it looks like, and I think it doesn't sound like
Speaker 15: it was very long ago anyway. So, John, I mean,
Speaker 15: does she have any downside to disputing this thing on
Speaker 15: the credit card and documenting all of these losses.
Speaker 3: I mean, the only downside is that they potentially deny
Speaker 3: it I mean there's no there's no real there's no
Speaker 3: real really for asking.
Speaker 4: No, but the broker.
Speaker 14: Provider service, the broker fixed got her set up with
Speaker 14: a moving company. They're gonna tell the credit card company. Look,
Speaker 14: she paid us to find a mover. We found a mover.
Speaker 14: If there was a problem with a mover, then she
Speaker 14: needs to deal with that. They they you know, that's
Speaker 14: their out.
Speaker 15: So did you sign any kind of a contract with
Speaker 15: the with the with.
Speaker 17: Minari, I find two separate bill of Ladys. So the
Speaker 17: first one was my.
Speaker 15: Estimate, not the bill of and then I find not
Speaker 15: the bill Then I was there an actual contract.
Speaker 17: It's it's not even a full contract. It's just an estimate,
Speaker 17: a binding estimate which ended up not being binding, if
Speaker 17: that makes sense.
Speaker 15: And that's the estimate from Minard. Okay, well that's I
Speaker 15: mean that turned into a contract, right John, after she
Speaker 15: made a payment that that estimate became a contract.
Speaker 7: Yeah, I mean it seems like the only real issue
Speaker 7: there was the sixteen hundred additional right she's having to
Speaker 7: pay for the lack of insurance.
Speaker 8: The rest of it, they can argue.
Speaker 3: I'm going to just speak straight with you, Zoe. If
Speaker 3: you get out of this and you get your stuff back,
Speaker 3: and at the end of the day you only got
Speaker 3: fleeced to the tune of sixteen hundred. You're not doing
Speaker 3: too bad. I would file the fraud claim with your
Speaker 3: credit card and see what happens. Throw it against the wall.
Speaker 3: Who knows. You may get lucky on that and get
Speaker 3: some of that back, or at least open a you know,
Speaker 3: a dialogue about that. But if you only come out
Speaker 3: of the sixteen hundred down, you're not doing bad compared
Speaker 3: to some of the horror stories that we've had here.
Speaker 15: I just way ahead. Yeah, I think that.
Speaker 3: You're doing really good in the sense that you know
Speaker 3: what these documents are and you really kept really good
Speaker 3: records of what's going on. But listen, before you go
Speaker 3: crazy on the complaints and stuff, get your property back, Okay,
Speaker 3: that's got to just be the absolute priority. Do not file,
Speaker 3: do not dog cuss anybody, don't do it. Do what
Speaker 3: you have to do to get your property back first,
Speaker 3: and then, you know, explore all the different options that
Speaker 3: you have.
Speaker 19: Uh.
Speaker 3: Best of luck, let us know how it works out.
Speaker 3: Appreciate the call today, Zodie, have a good day. We're
Speaker 3: gonna go to a break. We'll be right back. Today's
Speaker 3: car Day. Give us a call seven one three eight
Speaker 3: two five five.
Speaker 5: We're here to help.
Speaker 11: You go with a sure thing Denver's best roofer Excel
Speaker 11: Roofing dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance checkup free, no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate Man dot
Speaker 11: com to list your home with Remax Alliance three all
Speaker 11: three nine two zero sixteen twenty two.
Speaker 3: All right, good afternoon, John Fuller here on the Troubleshooter Network.
Speaker 3: We are here on car Day and we have some
Speaker 3: callers lined up. We're going to go directly to the phone.
Speaker 3: But if we can help you, this is an opportunity
Speaker 3: to get in without a whole lot of people in
Speaker 3: front of you. Just give us a call at three
Speaker 3: h three seven one three eight two five five. We
Speaker 3: have in the studio Jeffick and Kevin Coulkin, who are
Speaker 3: veritable experts on all things automotive and so give us
Speaker 3: a call. We are here to help you with your issues. First,
Speaker 3: we're going to go to Priscilla, who it says here
Speaker 3: is having an issue with breaking your release. What is
Speaker 3: going on, Priscilla.
Speaker 18: Hi, So I have a previous landlord. I'm currently paying
Speaker 18: two rents because I had to get out of my
Speaker 18: old space for my mental health, and I have now
Speaker 18: cleaned out all my belongings from there. So kind of
Speaker 18: just a s anoposit of what the land or was doing.
Speaker 18: They were restricting any guests in the house. They did
Speaker 18: not allow me to have guests to visit overnight anything
Speaker 18: like that.
Speaker 3: They are in this house basically just.
Speaker 18: A single room being the rest of the house very
Speaker 18: much there, and they put up cameras in the house
Speaker 18: without telling the tenants. It was myself another person that
Speaker 18: we're living in the basement of basically this house with
Speaker 18: a couple as living upstairs as the landlords, and so
Speaker 18: realizing that it wasn't going to be a place that
Speaker 18: I could safely exist.
Speaker 5: Did you know they.
Speaker 3: Put in the place or were they secret?
Speaker 18: They did not tell me beforehand?
Speaker 5: No, okay, but it did.
Speaker 3: It just show up on the coffee table. I mean
Speaker 3: it did you know they were there or did they
Speaker 3: secretly record you for a period of time?
Speaker 18: It wasn't secret they did. They put them up in
Speaker 18: like the like the living room, in the kitchen and
Speaker 18: the dining room.
Speaker 5: Okay.
Speaker 18: So, and I did some research yesterday into consent party
Speaker 18: laws in Colorado, and because basically it said that, like,
Speaker 18: if you have reasonable expectation of privacy, it's not illegal.
Speaker 18: But also you're inside your own house, Like would that
Speaker 18: be a reasonable expectation of privacy, especially if you don't
Speaker 18: have access to the recordings or were so knowledge that
Speaker 18: it's happening.
Speaker 3: So you ended up moving out of this place, you
Speaker 3: said for mental health reasons and what into another place?
Speaker 3: Is that why you have two rents going on?
Speaker 18: Yes? So currently in a bay situation, I'm living with
Speaker 18: my partners, so I've it's definitely not an immediate situation
Speaker 18: that I need to be around these people. But and
Speaker 18: I recently went back and cleaned out the rest of
Speaker 18: my like I moved through the majority of my things
Speaker 18: a few months ago, but haven't been able to build
Speaker 18: up the gumption to go back to finish out everything.
Speaker 5: So how can we help you today? Forca so I.
Speaker 18: Was hoping that I could get any suggestions on ways
Speaker 18: to move forward last night. Oh, they also when I
Speaker 18: went to clean up my stuff, they had ripped out
Speaker 18: the floor in my room and are doing a full
Speaker 18: construction project in the space that I'm paying for. They
Speaker 18: also refused any attempts to into replacement tenant. There were
Speaker 18: several times that I tried to bring somebody or get
Speaker 18: somebody that wanted to pay over Lite.
Speaker 3: Priscilla hang on, we'll be right back after this break.
Speaker 3: We've got some ideas for you. Jason and Dennis hang
Speaker 3: On will be with you as well.
Speaker 5: We've got to go to this break. Thanks you listen.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com.
Speaker 12: You don't pay a cent until you're content.
Speaker 11: Plea of time for an insurance check up free no
Speaker 11: obligation comparison call Compass Insurance paying too much your coverage
Speaker 11: at dozens of insurance companies find out now three O
Speaker 11: three seven to seven to one help. You'll think you're
Speaker 11: his only customer when you choose Frank durand the real
Speaker 11: estate Man dot com to list your home with Remax
Speaker 11: Alliance three three nine two zero, sixteen twenty two.
Speaker 1: You need advice so you don't have Camaruning's just as
Speaker 1: fast as we can. Shooter's gonna help come man.
Speaker 2: This is the Troubleshooter Show. Now, Tom Martinez, Hey, good afternoon.
Speaker 3: John Fuller here filling in for Tom Martino on The
Speaker 3: Troubleshooter Show. We are rocking and rolling here today in
Speaker 3: the studio. We have Jeff Vick and Kevin Colkin. It
Speaker 3: is card day. We are here to help you out.
Speaker 3: We've got a number of callers lined up. We're gonna
Speaker 3: go right to the call lines, starting with Priscilla, who
Speaker 3: we are finishing up with. Priscilla was a tenant and
Speaker 3: a home. She rented a room. It sounds like things
Speaker 3: have kind of gone south and she moved out for
Speaker 3: mental health reasons, according to Priscilla, and the landlord was
Speaker 3: doing crazy things like installing cameras and lemiting visitors and
Speaker 3: all this kind of stuff. Let me ask you this, Priscilla,
Speaker 3: how much time did you have on your lease with them? Priscilla,
Speaker 3: are you still there all right?
Speaker 5: Looks like, oh she's there, okay.
Speaker 3: How much time did you have?
Speaker 17: Myself?
Speaker 18: The lease is over July thirty, first and I sent
Speaker 18: an official notice yesterday to to my landlord saying like, hey,
Speaker 18: I'm out everything, and he responded with Okay, still basically
Speaker 18: still expecting right for the rest of the term, even
Speaker 18: though I'm completely moved out. They started a construction project
Speaker 18: in my room, so like, it's not livable. Even the
Speaker 18: room that I'm paying for isn't currently inhabitable.
Speaker 5: Okay. How much were you paying a month?
Speaker 20: Seven hundred?
Speaker 3: Okay, So you know, here's the thing I mean, I think,
Speaker 3: and you guys chime in if you have a different
Speaker 3: opinion here. I think creating conditions that make the unit
Speaker 3: uninhabitable and particularly starting a construction project, would amount to
Speaker 3: a constructive eviction under most people's eyes. It's one of
Speaker 3: those things where, according to the real estate attorney that
Speaker 3: was here yesterday, you almost have to put this in
Speaker 3: the landlord's lap and let them begin formal eviction proceedings
Speaker 3: against you.
Speaker 5: If you don't.
Speaker 3: Show up and you don't pay the rent, all he
Speaker 3: can really do is begin formal eviction proceedings. But you've
Speaker 3: already moved out, and you gave him that in writing,
Speaker 3: so that's really kind of a moot point. And then
Speaker 3: to try to sue you to collect that money. And
Speaker 3: I think that a defense to the collectibility of the
Speaker 3: rent is going to be the habitability of the unit
Speaker 3: that you were living in. And so I hope you
Speaker 3: have photographs of the cameras and the construction project and
Speaker 3: stuff that began, because that's going to be the way
Speaker 3: you defend this if the guy ever pursues it. Now,
Speaker 3: if you have that security to posit with him, you
Speaker 3: could probably count on that's gonna be forfeited, but it'll
Speaker 3: be forfeited with you know, a credit towards the unpaid
Speaker 3: rent at least, So you've got that going for you.
Speaker 3: But I think in your circumstance, you've got a good story.
Speaker 3: But you just really don't have a lot of, you know,
Speaker 3: a lot of power on your side other than just
Speaker 3: to move on in your life and wait for the
Speaker 3: landlord to make the next move and kind of see
Speaker 3: what happens from there. Do you guys have a different
Speaker 3: take on it?
Speaker 7: No, I think you're absolutely done on with that. Yeah,
Speaker 7: I wouldn't pay another nickel, no way. Let him come
Speaker 7: after you, that's all he can do, I mean, and
Speaker 7: then then deal with it.
Speaker 4: But was you security deposit.
Speaker 18: I believe it was. It was one month, so it
Speaker 18: was about seven hundred, all.
Speaker 14: Right, So basically he's gonna he's not gonna come after
Speaker 14: you for fourteen hundred bucks if you have photographs of
Speaker 14: the construction going on.
Speaker 5: Yeah, I tend to agree with you.
Speaker 3: And in the future. Listen, a landlord can put all
Speaker 3: these conditions on you, but they can't just spring them
Speaker 3: on you kind of midstream. That's where the landlord gets
Speaker 3: into kind of a breech situation on their side. But
Speaker 3: your strength is in documenting everything and communicating in writing.
Speaker 3: So it's not enough to say I couldn't help. But
Speaker 3: notice you put seventeen cameras in my unit overnight. You
Speaker 3: knows it needs to be an email or something written
Speaker 3: that documents today you installed all these cameras. We didn't
Speaker 3: discuss this. The lease says nothing about it. You know,
Speaker 3: today you inform me that I can't have visitors. There's
Speaker 3: nothing in my lease that says I can't have visitors,
Speaker 3: and I consider that to be a breach of the agreement,
Speaker 3: and on and on. So that's my advice to you
Speaker 3: is to document everything and create a pay per trail.
Speaker 3: That way, when something like this happens, you are that
Speaker 3: much stronger of a position, and he's that much less
Speaker 3: likely to actually want to go pursue this and air
Speaker 3: all this dirty laundry in court.
Speaker 9: Well, getting back to that security deposit, though he still
Speaker 9: has an obligation to inform her why he's holding me.
Speaker 9: That's absolutely right a security deposit, and he has to
Speaker 9: do that in writing.
Speaker 5: He's got thirty days to do that, and it's got less.
Speaker 9: Yeah, unless your lease actually says, you know, sixty days,
Speaker 9: which can be done with the lease, but it's by
Speaker 9: Colorado law, it's thirty and if he fails to do
Speaker 9: that within the thirty then you need to put him
Speaker 9: on notice that you're going to sue him for trouble
Speaker 9: damages without right. So you just are quick to hand
Speaker 9: that money out.
Speaker 3: You got a lot more power than you think you
Speaker 3: have in this position. So I would sit back and
Speaker 3: wait see what he does at the end of the
Speaker 3: thirty days, or look at your lease about the timeframe
Speaker 3: for the security deposit, and if he doesn't send that
Speaker 3: back to you or itemize it, give us a shout back.
Speaker 3: We can help guide you on exactly how to go
Speaker 3: down that road, and we'll deal with it then all right, Priscilla.
Speaker 18: Okay, that'd be awesome. And do you guys think it
Speaker 18: is it best? The best position for me, just as
Speaker 18: little community who as him as possible from here on.
Speaker 5: Out to sit tight. Anything you do should be in writing.
Speaker 3: Okay, all right, all right, good luck to you, Priscilla,
Speaker 3: appreciate the call. We're going to go next to Jason.
Speaker 3: Jason has an issue with a front end.
Speaker 21: Here.
Speaker 3: What's going on on your ford? F three fifty there?
Speaker 5: Jason?
Speaker 3: How are you doing good?
Speaker 6: Hey?
Speaker 7: So my tires are wearing wearing really funny.
Speaker 22: Towards the outside.
Speaker 3: I think it's something wrong.
Speaker 22: With the front end of my truck, but I don't
Speaker 22: know for sure.
Speaker 23: And I was just wondering who I could take it
Speaker 23: to the have it diagnosed, and how much of what
Speaker 23: cost to have something like that diagnosed?
Speaker 8: What kind of vehicle is it?
Speaker 23: It's a dually so it's a big it's a big boy.
Speaker 8: Is it a crew cab? I mean? Is it long long?
Speaker 23: No, it's.
Speaker 22: Extended so have the half doors.
Speaker 7: Yeah, it's something we could I mean, it could be
Speaker 7: ball joints, could be a lot of things.
Speaker 8: How many miles are on it?
Speaker 23: So one hundred and fifteen thousand, one hundred and sixteen thousand,
Speaker 23: but not a ton, but they're all my miles.
Speaker 7: Good good, yeah, first thing that comes to line his
Speaker 7: ball joints, you know, the wheels are leaning.
Speaker 8: You know, you gotta find.
Speaker 5: Out why you can get weight on the front end
Speaker 5: of that.
Speaker 8: Oh yeah, that's a big truck. That's a heavy truck.
Speaker 23: So yeah, yeah, she's.
Speaker 3: A big girl. Where could I take it to go
Speaker 3: get a diagnosed?
Speaker 23: And how much was something like that run?
Speaker 7: Well, what it would basically be would be an alignment
Speaker 7: or an alignment checks, so whatever somebody charges for an alignment,
Speaker 7: that's what they would charge you to check it out,
Speaker 7: and they should be able to give you an estimate
Speaker 7: based on that. But I wouldn't, you know, I wouldn't
Speaker 7: ask for a diagnosis. I would ask for an alignment
Speaker 7: and let them tell you what they find, right, because
Speaker 7: a good alignment shop is can to find loose components.
Speaker 7: They're going to find damaged components and things that need
Speaker 7: to be replaced, all right, And Kevin the guys can
Speaker 7: do that alignment there ye oh okay, yeah, yeah, Jason,
Speaker 7: give Kevin call it at the shop. We're Colfax and
Speaker 7: Wadsworth basically two blocks west to Wadsworth and Lakewood.
Speaker 3: You can look him up at Sheridan Auto Tech dot
Speaker 3: com or call him at three oh three four five
Speaker 3: five seven two four to two. All right, Jason, perfect,
Speaker 3: thank ry, good luck to Thanks for the call. We're
Speaker 3: gonna take another quick break here. When we come back,
Speaker 3: we're going to talk to Dennis about his F one
Speaker 3: fifty and we'll be able to take your calls as well,
Speaker 3: So hang on just a second.
Speaker 11: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 11: dot com.
Speaker 12: You don't pay a cent until you're content than.
Speaker 11: Time for an insurance check up free no obligation comparison
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three o three seven
Speaker 11: to seven to one.
Speaker 3: Help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: Durand the real estate Man dot com to list your
Speaker 11: home with Remax Alliance three oh three nine two zero
Speaker 11: sixteen twenty two.
Speaker 3: All right, Good afternoon, John Fuller here on the Troubleshooter Network.
Speaker 3: We are talking with Chasing right now. I think we
Speaker 3: finished up with Jason. We're talking with Dennis. Now, Dennis,
Speaker 3: you've got something going on with your F one fifty.
Speaker 3: What is happening in Dennis?
Speaker 24: Well, I.
Speaker 22: Took my truck to SAAL's Auto Tech last year and
Speaker 22: had a motor put in it twenty one thousand dollars
Speaker 22: and it hasn't stopped leaking since I've taken it back
Speaker 22: seven times. If I take it back again, this will
Speaker 22: be the eight time. It cost me probably ten thousand
Speaker 22: dollars almost in rental fees. And I've just cook it
Speaker 22: to a Sheridan Auto Tech and Isaiah looked at it
Speaker 22: and he showed me it's spitting oil all over the place.
Speaker 22: And I don't know about taking it back to the guy.
Speaker 22: I don't have no confidence in him. Can I get
Speaker 22: my money back for anything? For a shoddy job? And
Speaker 22: I mean, it's just cost me more money every time
Speaker 22: I take it back there because I got to pay
Speaker 22: for the rental car. They said it was going to
Speaker 22: split the rental fee with me. When I called to
Speaker 22: see why that charged me three thousand dollars for a
Speaker 22: rental car. That rick was one hundred and ninety nine
Speaker 22: dollars a day. I mean dude, that's crazy.
Speaker 8: Did you rent it from Sawsy.
Speaker 22: That every time?
Speaker 25: Excuse me?
Speaker 8: Are you renting that car from Saul's Auto Tech?
Speaker 22: No, it's from Going Rentals who they recommended, and that
Speaker 22: they recommended me to have. I had it towed up
Speaker 22: and they recommended the toe they did. You know they
Speaker 22: will reimburse you never reimburse me for that. And then
Speaker 22: I want to talk to Saul because you know, this
Speaker 22: is just shot at work and his guy says, oh,
Speaker 22: he had knee surgery and he's really he can't what
Speaker 22: knee surgery has nothing to do with you nailing or talk.
Speaker 5: Let's try to unpack this then.
Speaker 3: Is is it the same issue every time that you
Speaker 3: go back to Saul's Auto Tech?
Speaker 5: Or is it something different each time?
Speaker 22: Well, it's been there's been something. It's been something with
Speaker 22: the warranty of the motor. Last time I took it back,
Speaker 22: they said it would be I took it back because
Speaker 22: the check engine light.
Speaker 24: Again.
Speaker 22: The fourth time they said it was the intercooler and
Speaker 22: the inter cooler wasn't under warranty. Cost me twenty eight
Speaker 22: hundred dollars. And when I took it now to Kevin Shop,
Speaker 22: there shardan AutoZone. Isaiah showed me they used silicone in
Speaker 22: probably like ten places where it should have been gaskets,
Speaker 22: all right, and that's why it's spitting oil all over
Speaker 22: the place.
Speaker 3: Let's turn it over to Kevin here. What is going
Speaker 3: on with Dennis's truck?
Speaker 7: Well, from what they told me, I didn't see it.
Speaker 7: Obviously is there today, but it is. They're not doing
Speaker 7: it properly because some areas you cannot use silicone because
Speaker 7: of heat. It has to have a gasket, right, you know,
Speaker 7: an oil feed tube on a turbo. You can't put
Speaker 7: silicon on. It's not going to hold up right. Well,
Speaker 7: it's not so it's it's leaking. It's just it's just
Speaker 7: shoddy work.
Speaker 13: You know.
Speaker 7: The motor probably you know, may need to come out,
Speaker 7: may need to come out to be resealed properly. You know,
Speaker 7: a lot of times it's easier to pull the motor
Speaker 7: than that. Do you know you said you got a warranty.
Speaker 7: Did Saul's rebuild it or did they buy it from
Speaker 7: somebody and install it?
Speaker 22: They were supposed to be bought, But I almost think
Speaker 22: that they tried rebuilding it because it's never it's never
Speaker 22: run like a rebuilt engine. It ran like you know,
Speaker 22: it just there was always something wrong with it.
Speaker 7: Because the warranty should you should if they did purchase it,
Speaker 7: because we buy motors all the time, you know, to install,
Speaker 7: and they have nationwide warranties. So we supply the customer
Speaker 7: with Jasper for examples one or LKQ, and they'll have
Speaker 7: a three year, four year warranty that they can go anywhere.
Speaker 7: They don't have to come back to us, you know,
Speaker 7: if they're traveling what have you. So if you can
Speaker 7: find out who they purchased it from and who the
Speaker 7: warranty is, we may be able to help you with that.
Speaker 22: Yeah, what they did is I guess it's once they
Speaker 22: put the motor in and I took it back because
Speaker 22: it was still leaking oil. Then supposedly they had to
Speaker 22: get back with the manufacturer and get another one, another
Speaker 22: motor supposedly.
Speaker 5: So you think they're on the you're on the third
Speaker 5: motor in this truck.
Speaker 22: Does I think I'm on the second placement motor from
Speaker 22: salce right, would see, I'm not getting I'm not getting
Speaker 22: any information. Like I took it back one time, I'd
Speaker 22: lost I had no power. I took it back and
Speaker 22: I started driving in over there, and next thing you know,
Speaker 22: it's just blowing black smoke out to the exhaust. They
Speaker 22: have no throttle, So they had it for ten weeks.
Speaker 23: They never told me what they.
Speaker 5: Did to it ten weeks, and.
Speaker 22: When I asked them ten weeks, I mean they've had
Speaker 22: it for eight weeks, ten weeks, four weeks, you know,
Speaker 22: after this motor installation. That's what I'm saying. They're killing
Speaker 22: me on rents.
Speaker 5: So let me make sure I understand this, Dennis.
Speaker 3: Are they are they blaming this on the WA warranty
Speaker 3: company for why it takes ten weeks to get you
Speaker 3: something done? Or I mean, why is it taking so
Speaker 3: long every time for you to get your truck back out?
Speaker 22: Well, I notice when I go to his shop, there's
Speaker 22: probably fifty cars around that shop.
Speaker 23: And I did notice.
Speaker 22: I did read the reviews the other day, and there's
Speaker 22: a lot of no good reviews. So I probably should
Speaker 22: have done that in the beginning.
Speaker 23: But you know, I.
Speaker 3: Know, but I'm trying to figure out. Is the issue
Speaker 3: a dispute between essentially you and the warranty company, or
Speaker 3: is it that Sauls keeps doing crappy work, and the
Speaker 3: warranty company it just keeps paying for it.
Speaker 8: Well, they're.
Speaker 22: Taking it back for the leaks, and they're doing whatever
Speaker 22: they're doing, putting more silicon, but they're not stopping the leak.
Speaker 22: A day later, I get my truck back after ten
Speaker 22: weeks is still leaking oil. And then I have to
Speaker 22: call them and thw them hey, you know, and they're like, well,
Speaker 22: you know, we bring you back. And then I told
Speaker 22: I texted all because, like I said, he won't call me.
Speaker 22: I texted him and said, who do I need to call?
Speaker 22: Tom Martino, a lawyer, see say crue and he goes.
Speaker 22: He responded, you can text whoever you want to get
Speaker 22: a little feeling satisfied or your mind satisfied.
Speaker 23: But I stand by my work, and I'm like, okay,
Speaker 23: so what.
Speaker 5: Do we do here, Kevin? I mean, is this really
Speaker 5: a warranty company issue?
Speaker 7: It can be because Dimitri and I have been working.
Speaker 7: It took us a month to get there, but we
Speaker 7: took it from another shop, didn't take the customer, brought
Speaker 7: it to us. We found out who they purchased the
Speaker 7: motor from, and we follow the claim. Well, we finally
Speaker 7: got it approved. They're going to send us a new
Speaker 7: motor to take care of this for this guy. So
Speaker 7: that's why I'm asking if he can find out who
Speaker 7: they bought.
Speaker 8: The motor from.
Speaker 7: Where is the warranty? Is it with the Jasper, is
Speaker 7: it with LKQ? Who is There's only a couple big manufacturers,
Speaker 7: So find that out.
Speaker 4: Yeah, I can.
Speaker 23: I can call I'm sorry, Kevin, I can call.
Speaker 22: Him and tell him. But he did tell me I
Speaker 22: had a three year, thirty thousand my warranty.
Speaker 7: Yeah, that's standard, right, find out who it's with and
Speaker 7: we can transfer to us and we'll get we'll see
Speaker 7: if we can get you taken care of that way.
Speaker 7: You know you're not getting it from him obviously, so
Speaker 7: I wouldn't go back way.
Speaker 22: Yeah, And I mean when I've seen he showed me
Speaker 22: silicone on the valve cover gaskets.
Speaker 8: Yep, that's that's.
Speaker 23: Like something an apprentice mechanic might try.
Speaker 22: You know.
Speaker 8: I agree.
Speaker 3: So so all right, well, Dennis, get us that information.
Speaker 3: We need to know who the manufacturer of the motor
Speaker 3: was or where they got the motor from and the
Speaker 3: warranty company.
Speaker 5: That's that's going on here.
Speaker 3: If you get that information and get back to us
Speaker 3: or get it to Kevin at the shop since that's
Speaker 3: where your your vehicle is and and we'll try to
Speaker 3: help you. We'll try to work through and get a
Speaker 3: solution for you.
Speaker 22: Okay, all right, all right, I didn't leave my truck
Speaker 22: at the shop because I got to work.
Speaker 5: Yeah, but you know where it is in the information.
Speaker 3: I'll call.
Speaker 23: I'll call the I'll call Isaiah with the information just
Speaker 23: as soon as I can.
Speaker 3: Get it good, He'll take care of it, all right, perfect, perfect,
Speaker 3: all right, Thanks for the call, Dennis. We appreciate it
Speaker 3: so as you can hear. This is car day to day.
Speaker 3: We're trying to work through your issues. So give us
Speaker 3: a call. We've got open lines right now. The phone
Speaker 3: number is three three seven one three eight two five five.
Speaker 3: When we come back in just a moment, we're going
Speaker 3: to revisit an issue from yesterday. We had a caller
Speaker 3: that had a warranty issue with a Sharpest Rides vehicle
Speaker 3: that we're gonna we're going to talk to Dimitri Vale
Speaker 3: and then we're still going to discuss that that nasty
Speaker 3: arbitration provision and the warranty provision that mister Endurance warranty
Speaker 3: contract is setting out there.
Speaker 5: So we'll be right back after this break.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three seven
Speaker 11: seven one help. You'll think you're his only customer when
Speaker 11: you choose Frank durand the real estate Man dot com
Speaker 11: to list your home with Remax Alliance three all three
Speaker 11: nine two zero sixteen twenty two.
Speaker 3: All right, good afternoon, John Fuller here on the Troubleshooter Network.
Speaker 3: We are right in the middle of car day and
Speaker 3: so that means we're here. We've got experts in the house.
Speaker 3: We have Jeffick and Kevin Colkin that are here to
Speaker 3: help answer your questions all things cars, maintenance, fixing, buying,
Speaker 3: selling value. Anything you have on your mind that you
Speaker 3: want to talk about. Give us a call. The number
Speaker 3: is seven one three eight two five five. That's Aeracode
Speaker 3: three O three seven one three eight two fivey five.
Speaker 3: You can also get a hold of us at help
Speaker 3: at troubleshooter dot com. If you'd like to reach out
Speaker 3: to us, we're glad to help you out. So one
Speaker 3: of the things we like to do on the show
Speaker 3: is follow up on previous callers and kind of give
Speaker 3: the rest of the story and what the outcome of
Speaker 3: things are. And we had a young lady call us
Speaker 3: the other day. I think her name was Lissa or
Speaker 3: Lisa was it is?
Speaker 15: Well, Lisa was with an apartment full of cockroa. Oh yeah, yeah,
Speaker 15: that was You might be thinking of Marie, her by
Speaker 15: car from the Sharpest Ride.
Speaker 3: He did, and she called us and expressed that she
Speaker 3: was having transmission problems and was getting no luck on
Speaker 3: getting the transmission fixed under the warranty that she had
Speaker 3: bought from the Sharpest Rides. And so Deputy Dimitri was
Speaker 3: kind enough to step in. I'll let him pick up
Speaker 3: the story where I left off.
Speaker 15: Well, the story gets even more interesting. So a couple
Speaker 15: of days ago, the Sharpest Rides actually traded her out
Speaker 15: of that car what into a different used car, and
Speaker 15: so at no additional costs, but they just transferred the
Speaker 15: financing and the deposit into this new Infinity used Infinity
Speaker 15: that she just got.
Speaker 3: Okay, so I asked Marie, my.
Speaker 15: First question was did you get the car inspected before
Speaker 15: you signed the paperwork? And she said, well, the Sharpest
Speaker 15: Rides did an inspection. H My reaction exactly John, and
Speaker 15: that day, Yeah, it passed. Well, it passed because what
Speaker 15: she then followed up with saying, well, it was a
Speaker 15: safety inspection. So that passed, and they declined to do
Speaker 15: like the type of mechanical inspection that we typically recommend,
Speaker 15: the pre purchase inspection, because they said, well, there's no
Speaker 15: trouble codes that are available and so there's no need
Speaker 15: to do a mechanical inspection. So I'm paraphrasing what Marie
Speaker 15: told us. So that was a couple of days ago. Now,
Speaker 15: not surprisingly, the car now has a check engine light
Speaker 15: and it's got some unknown mechanical problems. So I did
Speaker 15: invite Marie and she agreed to call us to call
Speaker 15: us again to kind of update us on what these
Speaker 15: latest problems are and whether or not she would like
Speaker 15: us to help in one of two ways. One is
Speaker 15: to see if we can get Sharpest Rides to cover
Speaker 15: these repairs under their warranty. I did get a copy
Speaker 15: of the sales contract and so warranty is in there,
Speaker 15: and it appears to be an in house warranty, and
Speaker 15: it also appears to be in house financing.
Speaker 3: Which how much money are these cars costing her that
Speaker 3: they're trading her in and out of?
Speaker 15: Yeah, so their value priced vehicles, as you can imagine,
Speaker 15: And she had five thousand dollars down with a total
Speaker 15: purchase price of sixteen something. And that includes a whole
Speaker 15: bunch of there's like a gap insurance, which I was
Speaker 15: very surprised to see on such an old, low value car.
Speaker 15: It includes electronic filing fee, doc fee, stuff like that.
Speaker 15: So it came to a little over sixteen thousand. So
Speaker 15: the two, you know, the two solutions that I can
Speaker 15: imagine are we either help her get sharpest rides to
Speaker 15: repair this vehicle and bring it back up to normal standards.
Speaker 15: Or and this would be my preferred way, just to
Speaker 15: get them to agree, just to undo the whole deal,
Speaker 15: give her all her money back, take the car back,
Speaker 15: and just everybody goes their own ways and she can
Speaker 15: go look for a car somewhere else.
Speaker 3: Now, are you gonna you're gonna broach that proposal to them?
Speaker 5: Or are you gonna help her?
Speaker 4: Yeah?
Speaker 15: I wanted to see I was hoping that we'd have
Speaker 15: her on the air right now, Killy, if you get
Speaker 15: a chance, give her a shout. She did agree to
Speaker 15: come on the air and get her to leave. The
Speaker 15: potential solution the choice of these two solutions to Marie.
Speaker 3: Before let's say, if we can get Marie on the line,
Speaker 3: I want to talk to experts here about Yeah, just
Speaker 3: a second, what exactly? I mean, what do you do
Speaker 3: in a car inspection? What do people need to be
Speaker 3: worried about? Like they can't they just reset like check
Speaker 3: engine lights and a lot of times they'll just stay
Speaker 3: off for a couple of days.
Speaker 7: I mean, but what they call the monitors inside the
Speaker 7: system need to reset, and that's by driving after you've
Speaker 7: cleared the light.
Speaker 5: Okay.
Speaker 7: So if we get in and there's no codes, but
Speaker 7: the monitors are not set, well we know they cleared
Speaker 7: the codes, okay, and that's just the red flag. So
Speaker 7: it's not like there you don't clear codes for no reason, right,
Speaker 7: So I mean talk to us.
Speaker 3: About what what is what does an inspection entail? Like,
Speaker 3: what do you do? What are you looking for? What
Speaker 3: can a buyer rely upon after they've had a car
Speaker 3: inspected that they wouldn't get just yeah.
Speaker 8: It's it's very thorough.
Speaker 7: I mean, we first off as safety, you know, we
Speaker 7: look front end brakes, you know, things like that, lights,
Speaker 7: check to make sure it's not been wrecked. You can
Speaker 7: tell from the underside if it's been in a wreck
Speaker 7: or most of the time you can of course, electronics.
Speaker 7: You pluck scanners in, run all the all the modules.
Speaker 7: You know, some cars have up to fifteen modules, and
Speaker 7: then leaks leaks are notorious in a lot of cars,
Speaker 7: transmission leaks, engine leaks.
Speaker 3: It's it's very very thorough.
Speaker 5: How how does it work?
Speaker 3: I mean, do these dealerships let the potential buyer bring
Speaker 3: it to you or you go there?
Speaker 7: They come to us, they come down and most of
Speaker 7: them the dealers are yeah, you'll go get it checked.
Speaker 7: They're they're open to it, you know, and if they're not,
Speaker 7: I tell that people don't buy it.
Speaker 3: Well, yeah, that's your first red flag. Yeah, sure, that's
Speaker 3: the biggest. So how much can somebody anticipate spending to
Speaker 3: get a good comprehensive inspection, and I know it probably varies.
Speaker 8: Does we cap it at one twenty?
Speaker 3: Really?
Speaker 8: Yeah, it's reasonable, get it done.
Speaker 7: Wow, that's super anticipation in the hope that they'll appreciate
Speaker 7: the service and come back and have some of the
Speaker 7: work done. I'll be honest, we're you know, we're just
Speaker 7: trying to put our sticker on the car and get
Speaker 7: our face in front of new customers. And you know,
Speaker 7: but one twenty is a bargain.
Speaker 5: I think so too, Jeff, do you ever do those?
Speaker 9: Well, you know, since we're transmission specialists, we typically focus
Speaker 9: only on the drive train, right, you know, if we
Speaker 9: do see some other red flags pop up or something
Speaker 9: like that, you know, but the customer knows that when
Speaker 9: you're coming in, we're not going to be popping wheels.
Speaker 9: We're not checking brakes like Kevin does. That's just outside
Speaker 9: of our wheelhouse. So yeah, we'll focus on the transmission.
Speaker 9: Like he says, we're going to be looking for codes,
Speaker 9: We're going to be looking at the fluid, the fluid quality,
Speaker 9: not there's any evidence of any contaminant in it. The
Speaker 9: same thing with the transfercation to differentials.
Speaker 3: I mean, I'm guessing the answer is all cars. But
Speaker 3: I mean, is there a threshold where it just becomes
Speaker 3: almost imperative that you get one checked out? Like it's
Speaker 3: it just when it's getting to the end of the
Speaker 3: warranty and you're fixing to be solo on this that
Speaker 3: it becomes critical or what are your thoughts on that.
Speaker 3: There's some things.
Speaker 7: I mean, people give car dealers credit for knowing how
Speaker 7: cars even work, and they don't. I'll be honest. They're
Speaker 7: salespeople and that's what they do, and they're not trying
Speaker 7: to deceive people. I think most of the time they
Speaker 7: don't even know what's wrong with the cars. So but
Speaker 7: I would be I would expect every single I mean,
Speaker 7: the more expensive, the more you want to serve. You know, well,
Speaker 7: and we're getting into a used vehicle, and I don't
Speaker 7: care if you go a seemingly low mileage. You know
Speaker 7: it's only got thirty five thousand miles on it. Well
Speaker 7: that's great, but you don't have any idea how the
Speaker 7: last guy actually treated this car, how we maintained the car.
Speaker 7: There's a lot of things that can go wrong with time.
Speaker 8: We talked about earlier too. Is run a car fax.
Speaker 7: It sounds so simple, but I was trying to shop
Speaker 7: for a cheaper car from my girlfriend's granddaughter and three
Speaker 7: out of five cars had the odos changed.
Speaker 3: Does that really happen.
Speaker 7: I didn't think it did, but we ran into three
Speaker 7: of them where the miles was as much as one
Speaker 7: hundred thousand miles.
Speaker 3: Les h, How did they change that these days? I
Speaker 3: thought that was all so computerized out that.
Speaker 7: They just changed the cluster. Really, yeah, you can do it,
Speaker 7: so certain guys can program it. But yeah, three out
Speaker 7: of five cars, the odometers will rolled back from over
Speaker 7: two hundred thousand to just over one hundred.
Speaker 3: Wow.
Speaker 7: And they're private, They're not car dealers doing this. I'm
Speaker 7: not ac choosing dealers, but I mean, if you're looking
Speaker 7: at a car, get the VN, pay the thirty five
Speaker 7: bucks and run a.
Speaker 5: Car fact and car facts.
Speaker 3: I mean, for whatever it's worth, they at least have
Speaker 3: milestones where stuff was done to that car, so you
Speaker 3: know if an oil change was done. You don't care
Speaker 3: so much that the oil change was done. You just
Speaker 3: care that it's in chronological sequence to the miles going up,
Speaker 3: and then all of a sudden something shows up. You're
Speaker 3: like bingo.
Speaker 7: We now know westwards in Utah in June with two
Speaker 7: hundred thousand ounced in Colorado and September with one hundred
Speaker 7: and five, how many owners were leave that's how many wrecks.
Speaker 7: You know, how many accidents has it had.
Speaker 3: I can tell stories. I've got an old case many
Speaker 3: moons ago where the Russians in Denver were taking cars
Speaker 3: and disassembling them and then you know, doing these insurance
Speaker 3: scams and claiming that they were stolen, and they would
Speaker 3: take the chassis out, just park them in the middle
Speaker 3: of the street on some subdivision Denver. Would eventually find them,
Speaker 3: take the chassis to Clodes or co Parts or something.
Speaker 3: They'd go and buy the damn chassis back at the auction,
Speaker 3: put the same car back together, same exact car, with
Speaker 3: the same parts, and then they had figured out how
Speaker 3: they could take it. I think, if I remember correctly,
Speaker 3: that if you took it and reregistered in like I ho,
Speaker 3: and then brought it back to New Mexico and then
Speaker 3: back to Colorado, it got a clean title target, they
Speaker 3: could get rid of the salvage designation, and they would
Speaker 3: sell it as a brand new car all over again.
Speaker 5: That's brilliant coming from our resident.
Speaker 4: To be sure to have a question.
Speaker 14: Did did Marie find out what the color of that
Speaker 14: check engine light?
Speaker 4: Or she hasn't done that yet.
Speaker 15: Uh, well, we're waiting for Marie to call us. Both
Speaker 15: Kelly and the Ice Center messages, so we'll find out
Speaker 15: in a few minutes.
Speaker 3: Let's find out that we're gonna go to another break here.
Speaker 3: We've got pat lined up on the next side and
Speaker 3: we'll be right back.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance checkup free, no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate Man dot
Speaker 11: com to list your home with Remax Alliance three all
Speaker 11: three nine two zero sixteen twenty two.
Speaker 3: I'd just love to do that. Good afternoon, John Fuller,
Speaker 3: here for the Troubleshooter Network. We are back rounding out
Speaker 3: the second hour, if you can believe that, and we
Speaker 3: are here to help you. On the Troubleshooter Network, we
Speaker 3: solve problems, say complaints, answer questions, give us a call.
Speaker 3: Three oh three seven one three eight two five five
Speaker 3: is the number. We have, uh Pat on the line.
Speaker 3: We're going to go to right now and after that
Speaker 3: we are here waiting for your call.
Speaker 5: So give us a call. What is going on?
Speaker 3: Pat?
Speaker 13: Good morning, mister Fuller. I've got a neighbor owns a duplex.
Speaker 13: He doesn't live in it, but uh he has a
Speaker 13: tenant that won't up the dog dow. It's been a
Speaker 13: year's worth and I'm not having real good luck with
Speaker 13: Colorado Springs code enforcement. But when I called about it
Speaker 13: originally a couple of weeks ago and talked to Tom,
Speaker 13: Mark had mentioned third party action. What exactly is he saying?
Speaker 3: Well, I think what he's trying to say, and I
Speaker 3: can't speak for what is in Mark's mind, that.
Speaker 5: That is a big ask a buck.
Speaker 3: I would presume that Mark is is thinking of some
Speaker 3: nuisance action or something against him. For the problem you're
Speaker 3: going to have is that the damages are hard to
Speaker 3: quantify in that you know, you're not incurring expenses economic
Speaker 3: type losses that you could say, look, I've had to
Speaker 3: hire a dog, you know, poof removal service or something
Speaker 3: like that. So it's purely just like the aesthetics of
Speaker 3: seeing this dog, you know, this dog mess and in
Speaker 3: the neighbor's hort. Is he letting the dogs come over
Speaker 3: into your property as well?
Speaker 13: No, but he threw some over the other day when
Speaker 13: the city made him do something.
Speaker 5: But well, he threw it over the fence.
Speaker 3: Oh yeah, yeah, as like a thank you for calling
Speaker 3: it in.
Speaker 13: Yeah, for for reporting him.
Speaker 3: You know, I think I'd be setting up a video
Speaker 3: camera for that, and that would that would definitely cross
Speaker 3: the line there, you know. I mean, listen, I think
Speaker 3: you have the right to to go after the guy
Speaker 3: that The challenge you're going to find is that, you know,
Speaker 3: principally you're absolutely right, but there's just not a lot
Speaker 3: of damages that flow from that. I mean, I think
Speaker 3: the real teeth of the matter is going to be
Speaker 3: with code enforcement, and if you can document and show
Speaker 3: that this is going on, I mean, that's got to
Speaker 3: rise to the level that they would do something. And
Speaker 3: I was working with Pat by the way, yeah, and
Speaker 3: I sent an email to UH to the Neighborhood Services
Speaker 3: Coded Force, Man, what'd you find out?
Speaker 20: Way?
Speaker 4: I did it two days ago.
Speaker 14: So I'm giving him seven to ten days to see
Speaker 14: if they can follow up on it. Just because it's
Speaker 14: the bureaucracy. Yeah, you responded.
Speaker 9: I wonder too if you can make a complaint that
Speaker 9: you know that the animal's not being taken care of.
Speaker 9: I mean, obviously that's an unhealthy situation. So it's just
Speaker 9: some sort of neglect or abuse type.
Speaker 3: It's almost a welfare you know, report on the dog man.
Speaker 3: How bad is it?
Speaker 5: I mean, is it is it?
Speaker 3: But yours worth of feces is a lot?
Speaker 5: It is.
Speaker 13: But it's sayings John, especially in the morning, in the
Speaker 13: moisture in the last couple of weeks. Yeah, you uh,
Speaker 13: it radiates through the neighbors on each side.
Speaker 9: Are we talking like a great Dane here or chihuahua?
Speaker 9: I was wondering how big.
Speaker 13: It's a pretty small dog. But like you said, once, uh,
Speaker 13: once you do, you don't do anything for a year.
Speaker 5: It's uh a little.
Speaker 23: There.
Speaker 4: Do you blober it away?
Speaker 13: No, we're not in an I was solved.
Speaker 4: It's too bad.
Speaker 5: Hey the other ted, have you reached out to your
Speaker 5: little girl? Yeah?
Speaker 3: Pat, what what does the I mean? You you've got
Speaker 3: a tenant there, that's one part of the problem, but
Speaker 3: you've also got the owner. I mean, have you talked
Speaker 3: to the tenant themselves about it is that just not
Speaker 3: going anywhere or what.
Speaker 13: I did talk to him initially and he went ballistic,
Speaker 13: So it's, uh, it was not a good situation on
Speaker 13: a day to day basis, but uh yeah, And the
Speaker 13: owner was notified seven weeks ago and his management company
Speaker 13: according to code enforcement girl and nobody's nobody's done anything.
Speaker 13: There are other tenants in the other build on the
Speaker 13: other side of their building that's the duplex, has two
Speaker 13: little girls that don't have much of a yard. They
Speaker 13: don't have any yard because the dog keeps moving forward
Speaker 13: because he's trying to get out of it too.
Speaker 5: There is there not a fence between the two units, No,
Speaker 5: there is not.
Speaker 13: They share the backyard together.
Speaker 3: Well, I mean, here's my thought on it. Pat. I mean,
Speaker 3: I'm pretty pragmatic about this kind of stuff, and I
Speaker 3: think at some point, you know, even if you have
Speaker 3: the right to bring an action in court, sometimes you're
Speaker 3: just throwing good money after bad because the reality is
Speaker 3: it's it's not likely to truly it's not likely to
Speaker 3: truly change the behavior that's going on here, and it
Speaker 3: it very easily could escalate things. But I think your
Speaker 3: answer is going to be the paper trail, the heck
Speaker 3: out of it, and doctor just started that with the
Speaker 3: first you know, outreach and and everything you can do
Speaker 3: in the way of emails and let's and photographs and
Speaker 3: stuff like that is going to be the secret to
Speaker 3: getting this thing resolved. So the squeaky wheel gets the
Speaker 3: gets the oil, and let's see what happens with Dot's
Speaker 3: intervention and we'll go from there. Okay, Pat, thanks for
Speaker 3: the call. We'll be back after this break.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com.
Speaker 12: You don't pay a cent until you're content.
Speaker 11: Time for an insurance checkup free, no obligation in comparison
Speaker 11: call Compass Insurance. Pay too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate Man dot
Speaker 11: com to list your home with Remax Alliance three oh
Speaker 11: three nine two zero sixteen twenty two.
Speaker 12: Rip News.
Speaker 5: You don't have.
Speaker 1: Cam running is just as fast as we can. Shooter's
Speaker 1: gonna help come.
Speaker 2: He is the Troubleshooter Show. Now, Tom Martinez.
Speaker 3: Good afternoon, This is John Fuller for the Troubleshooter Network.
Speaker 3: We are in the third hour of the show today
Speaker 3: on Friday, which is car Day, and to that end,
Speaker 3: we have Jeff Vic and Kevin Colchin in the house.
Speaker 4: Jeff is with.
Speaker 3: Camera Transmissine Kimmer Transmissions, he is a transmission expert, and
Speaker 3: we also have Kevin Culchin. We shared an auto tech
Speaker 3: so we got both ends of the car covered and
Speaker 3: we are here to answer your question. So give us
Speaker 3: a call at three O three seven one three eight
Speaker 3: two five five. That's three oh three seven one three
Speaker 3: eight two five five. So earlier in the show today,
Speaker 3: we talked to a gentleman that that bought an old
Speaker 3: F one fifty and bought a service contract, and the
Speaker 3: service contract was with a company called Endurance. But it's
Speaker 3: really not important that it's Endurance that we're talking about.
Speaker 3: What's important is that as part of this contract, which
Speaker 3: was a horrible deal because its maximum value was limited
Speaker 3: to only really the trade in value of the vehicle
Speaker 3: at the time the incident happened. So because this vehicle
Speaker 3: had almost two hundred thousand miles on it at the
Speaker 3: beginning of the contract, the value of that thing went
Speaker 3: down practically with every mile that was driven by a
Speaker 3: calculable amount that pretty quickly would have made the maximum
Speaker 3: payout on the contract less than what it cost him
Speaker 3: to actually buy the contract, which is just crazy to
Speaker 3: get your mind around, but that's what they do. And
Speaker 3: so if you're in the market for an after market warranty,
Speaker 3: I just got to tell you got to read the
Speaker 3: fine print in these contracts. This contract, which the main
Speaker 3: terms of which were set forth in one page on
Speaker 3: the front, requires thirty six more pages of the fine
Speaker 3: print to make up the full contract. So you know,
Speaker 3: when you sit down and a guy's just throwing a
Speaker 3: bunch of papers in front of you and stuff, you
Speaker 3: got to just say stop the day, you know, car,
Speaker 3: We've got to read some of this stuff and figure
Speaker 3: it out. But one of the things that is near
Speaker 3: and dear to my heart. I'm a personal injury attorney.
Speaker 3: I deal with contracts, mostly insurance contracts, all day long,
Speaker 3: and I always tell people, you've got to read the contracts.
Speaker 3: You've got to read the policy. You've got to read
Speaker 3: the words that they use to set forth what their
Speaker 3: duties are and what your duties are, and what they
Speaker 3: have to cover and what they're not going to cover.
Speaker 3: But in most of these consumer type contracts they have
Speaker 3: arbitration provisions. Now there are efforts to change the law
Speaker 3: and limit the ability that these companies have to unilaterally
Speaker 3: impose arbitration. And what that means is they put it
Speaker 3: in the contract. It's not freely negotiable, even though they
Speaker 3: put words like, you've considered the fact that you could
Speaker 3: go to a jury trial, and you've considered the fact
Speaker 3: that you could have a judge decide this, but you've
Speaker 3: decided that it would be more cost efficient and timely
Speaker 3: to submit this matter to arbitration. And so you're voluntarily
Speaker 3: waiving all those rights as a part of this contract,
Speaker 3: even though you've done no such thing. You've not considered it,
Speaker 3: read it, thought about it, made a decision to put
Speaker 3: the arbitration provision in effact. But nonetheless it's there and
Speaker 3: it's binding. And let me tell you, these courts will
Speaker 3: routinely enforce these arbitration provisions and hold you to them.
Speaker 3: So if this gentleman decides he wants to pursue this
Speaker 3: matter by challenging them, I don't want to use the
Speaker 3: words by going to court, because he can't go to
Speaker 3: court he's already waived the ability to go to court,
Speaker 3: and so what he's got to do is invoke arbitration. Okay,
Speaker 3: So what that means is you have to follow this
Speaker 3: procedure and make a written demand to the other party.
Speaker 3: And it says right here that you're going to get
Speaker 3: a single arbitrator and it's going to be in accordance
Speaker 3: with all these setout rules under the American Arbitration Association,
Speaker 3: and they'll even advance the cost of it, which is
Speaker 3: really kind of nice of them because a lot of
Speaker 3: times it makes both parties split the costs up front
Speaker 3: and you'll get to pay out, you know, from five
Speaker 3: hundred to a few thousand dollars to get this arbitration going.
Speaker 3: But here's the crazy thing. Arbitration's going to take place
Speaker 3: in not Denver, Colorado, not Centennial, not Greeley, not Evans
Speaker 3: where this gentleman live. It's going to take place in Lynchburg, Virginia.
Speaker 5: Okay.
Speaker 3: So your car that's broken, that has a shelled out
Speaker 3: engine and is sitting out in the backyard, that you're
Speaker 3: still making payments on your only source of recourse. If
Speaker 3: you really want to challenge these guys saying we're not
Speaker 3: paying for your repair is to somehow travel by train, plane,
Speaker 3: or hitchhike to Lynchburg, Virginia wherever the heck that is.
Speaker 15: I'm going to be able to drive there. And you're
Speaker 15: broken down. The your car's broke.
Speaker 3: Down, so you can't drive. You got a hitchhike or
Speaker 3: catch a ride with somebody or something, and you're not
Speaker 3: going to court. So you go to this arbitration provision
Speaker 3: and you know, and so here's the deal.
Speaker 5: Guess what, It's not even binding, So you have to go.
Speaker 3: Through all this arbitration to get to a decision, and
Speaker 3: if they don't like it, they can challenge it in court.
Speaker 3: You want to talk about a stack deck. There's some
Speaker 3: arbitrator in Lynchburg, Virginia that gets about ten cases a
Speaker 3: week out of this whatever warranty company. That's all he does.
Speaker 3: He knows his contract like the back of his hand.
Speaker 3: And you're going to roll in there and tell them
Speaker 3: that you know, Bubba misprinted the mileage on the application
Speaker 3: and you told them the right number on the phone call.
Speaker 5: And I mean, there's no chance in the world that
Speaker 5: you're going to win. But there's also no chance in
Speaker 5: the world that.
Speaker 3: You're going to go to Lynchburg to actually have this
Speaker 3: case heard in front of this arbitrator to give you
Speaker 3: a non binding decision that you then have to go
Speaker 3: try to litigate in Lynchburg, Virginia as well to get
Speaker 3: a decision that you lose, and then when you lose,
Speaker 3: you get to pay all of their fees and expenses
Speaker 3: as well. So, I mean the reality of these contracts,
Speaker 3: and this is why they're so bad. I mean, some
Speaker 3: people really tell you, oh, yeah, arbitration's good.
Speaker 5: We want to enforce this. We don't want to encourage lawsuits.
Speaker 3: And I'm a lawyer. I do lawsuits. I'm not an
Speaker 3: anti lawsuit kind of guy. I'm an anti you know,
Speaker 3: fraudulent claim. I'm an anti you know, in any sort
Speaker 3: of BS lawsuits. Nobody wants those and those I have
Speaker 3: never filed one in my entire career, don't plan on
Speaker 3: filing one at any time in the future. And those
Speaker 3: are bad and I don't like them, and we should
Speaker 3: get rid of them to whatever extent we can't. But
Speaker 3: this is not the answer. This does not make you
Speaker 3: a more powerful consumer. This just weakens it to the
Speaker 3: point that if you don't like something in here and
Speaker 3: you don't like what this company is doing. After they've
Speaker 3: taken all your money, tough, there's not a darn thing
Speaker 3: you can do about it. And that's why they're bad,
Speaker 3: and that's why you should never agree to these things. Now,
Speaker 3: the alternative is you don't buy it because it's not
Speaker 3: a freely negotiated, you know, negotiating contract. You can't go
Speaker 3: in and say, I like this, I really don't like
Speaker 3: the arbitration. I'd like to do that in Denver. If
Speaker 3: it's all the same to you, they're not negotiable, just
Speaker 3: take it or leave it. So when you get an
Speaker 3: option of dealing with something like this, unless it's just
Speaker 3: a smoking deal that just absolutely makes sense and it's
Speaker 3: a top flight company, you know, maybe you consent to it.
Speaker 3: But for something like this, where the maximum payout on
Speaker 3: it is so small compared to the cost, the length
Speaker 3: of time that you're going to be paying for this,
Speaker 3: saying and paying interest on it is so long, your
Speaker 3: power in the transaction is so minimal that you can't
Speaker 3: do anything to force them to the table. It's just
Speaker 3: one of the worst decisions that you can ever make
Speaker 3: to go in and buy something like this. I'm not
Speaker 3: saying all warranties are bad. I'm not saying that even
Speaker 3: this company is the only one that's really a.
Speaker 5: Bad guy out there.
Speaker 3: But this provision in this contract is one of the
Speaker 3: most anti consumer provisions that I've ever read in one
Speaker 3: of these. It wouldn't be that much stronger if it
Speaker 3: said go to Pluto to arbitrate this and to use
Speaker 3: Mickey Mouse as your arbitrator. I mean, you'd have that
Speaker 3: much less of a chance of invoking that than you
Speaker 3: do to invoke these terms in this contract. So that's
Speaker 3: my two cents on this. We've got a couple of
Speaker 3: cars lined up, or a couple of callers lined up
Speaker 3: about cars. We will be right back to take those calls.
Speaker 11: Hang on just a second, go with a sure thing
Speaker 11: Denver's Best roofer Excel roofing dot com. You don't pay
Speaker 11: a cent until you're content. Time for an insurance checkup free,
Speaker 11: no obligation. In comparison, call Compass Insurance paying too much
Speaker 11: your coverage at dozens of insurance companies find out now
Speaker 11: three O three, seven to seven to one help. You'll
Speaker 11: think you're his only customer When you choose Frank durand
Speaker 11: the Real Estate man dot com to list your home
Speaker 11: with Remax Alliance three three nine two zero sixteen twenty two.
Speaker 3: All right, good afternoon, John Puller here on the Troubleshooter Network.
Speaker 5: We are moving forward.
Speaker 3: Here. We have a caller Tim on the line. Tims
Speaker 3: calling us about a warranty issue. Tim, What is going
Speaker 3: on with your warranty?
Speaker 24: Oh, I'm just seeing if this sounds right. So last
Speaker 24: week I took my car to the shop, to the
Speaker 24: deller that I got her from and purchased the warranty from,
Speaker 24: which was a three year so many miles. But I'm
Speaker 24: still within the time period and everything.
Speaker 3: Now ten is a new car that you're talking about
Speaker 3: or a used car?
Speaker 24: Yeah, it's used twenty thirteen Yukon Denali.
Speaker 5: Okay, so so okay.
Speaker 24: So yesterday finally I get like the verdict on whether
Speaker 24: the warranty people are going to cover it or not.
Speaker 5: What happened to your car?
Speaker 24: So they say, oh, it's been running good for long.
Speaker 24: It's almost three years. That warranty is almost stuck. Matter
Speaker 24: of fact, in June it will be up. So I
Speaker 24: was driving then it started making a loud o noise
Speaker 24: and then it stopped, and then I continued driving and everything.
Speaker 24: I just got that because it was like when it
Speaker 24: snowed real good, like two weeks ago or so, so
Speaker 24: I thought maybe it was dragging heights or something like that,
Speaker 24: like that was weird. So then I drove about five
Speaker 24: more minutes. Then that noise came on again. So then
Speaker 24: I pulled over and everything, shut it down, looked around
Speaker 24: the vehicle, didn't see anything or nothing, turned the car
Speaker 24: off and stuff, turned it back on, put it into
Speaker 24: like reverse neutral, nothing, nothing. Then then to drive. Then
Speaker 24: it started making a loud, old grinding noise, so I
Speaker 24: turned it off and then I got it told home.
Speaker 24: And then it was on a Saturday, so I wasn't
Speaker 24: able to get a hold of the warranty people because
Speaker 24: they're clothes on Saturday and Sunday. So Monday I called
Speaker 24: that advised me to get it told back to the
Speaker 24: fillership or whatever and then they could go from there.
Speaker 24: So the dealership says that is having complications internally with
Speaker 24: the transmission and stuff. So the warranty people finally and
Speaker 24: all that, I was able to talk to them and
Speaker 24: the dealership to where they said that that yes, they're
Speaker 24: proving the claim and that they're only going to be
Speaker 24: able to do thirty five hundred though, because that's the
Speaker 24: value of the vehicle. Okay, Oh, and they said it
Speaker 24: in your contract and everything.
Speaker 5: Yep.
Speaker 24: So I went and got the contract and looked into it,
Speaker 24: and what it says in the contract is they're willing
Speaker 24: to cover actual cash value or NADA value of the vehicle.
Speaker 3: Right.
Speaker 24: So then I called up to the warranty people and
Speaker 24: told them like, yeah, well it's saying that you guys
Speaker 24: will cover this or this. So I when I looked
Speaker 24: it up on that NADA, it's like eight thousand dollars.
Speaker 24: And then when I strolled down then I seen where
Speaker 24: it says thirty five hundred is the trade in value.
Speaker 24: So I said, I see where you're getting the thirty
Speaker 24: five hundred from the trade in value and trade in
Speaker 24: value and the actual value is not the same. So
Speaker 24: then they like, hold on. I was like, but yeah,
Speaker 24: if you can point me to where it says in
Speaker 24: the contract, then yeah, I could take a look at
Speaker 24: it real quick and all that. And then he was like,
Speaker 24: oh hold on, so wait on holding everything. Then when
Speaker 24: he came back to the phone, he was like, yeah,
Speaker 24: we're having complications. We can't look up the NADA right
Speaker 24: now and all that. So we'll call you back tomorrow,
Speaker 24: which is today, But I haven't spoke to them yet,
Speaker 24: so I'm about to call him in a little while
Speaker 24: to see exactly what's going on. So I'm just seeing
Speaker 24: that that sounds right to you.
Speaker 3: Well, here's what I can tell you, Tim, And I
Speaker 3: don't know what company that you're dealing with. Do you
Speaker 3: remember the company name of the warranty.
Speaker 24: I don't remember the name. I just know that they'red
Speaker 24: in New Mexico, the people that I'm talking to.
Speaker 3: So listen, I don't know who you're dealing with, but
Speaker 3: I just happened to have this contract that we've been
Speaker 3: dealing with all day, and so I'm not suggesting that
Speaker 3: it's the same one that you're dealing with, but it's
Speaker 3: but they're all very similar, and they have a lot
Speaker 3: of you know, crossovers and stuff that, and so this
Speaker 3: particular contract, and you're right, that's exactly why I was saying,
Speaker 3: this one's such a bad idea, because the guy has
Speaker 3: a truck that has a true trade in value that's
Speaker 3: just barely above at the beginning of the contract, the
Speaker 3: total value of the warranty.
Speaker 5: But as it gets driven.
Speaker 3: And as the months go by and he gets more
Speaker 3: and more miles on it, the value that truck keeps
Speaker 3: going down, and at some point it becomes controlling, so
Speaker 3: that the maximum the warranty would pay out is even
Speaker 3: less than you know, it's even less than what it
Speaker 3: cost him to buy the warranty in the first place,
Speaker 3: which just means it's an absolutely ridiculous thing to buy
Speaker 3: for anybody. Why would you pay more money for a
Speaker 3: warranty that guarantees to not ever pay you more than
Speaker 3: less than that amount. Right, So here's what I can
Speaker 3: tell you in this particular contract, and with every contract,
Speaker 3: you got to go pull the contract out yourself and
Speaker 3: print it off and read it from cover to cover.
Speaker 3: This one defines actual cash value in it. And under
Speaker 3: this contract it says actual cash value means the NADA
Speaker 3: published wholesale trade in value. And so they make those
Speaker 3: terms exactly the same. So whether they talk about NADA
Speaker 3: at one point in the contract, which they do, and
Speaker 3: then in another part of the contract they talk about
Speaker 3: actual cash value because it's a defined term in the contract,
Speaker 3: those two mean exactly the same thing. And so it's
Speaker 3: not that when you say actual cash value in your mind,
Speaker 3: I know what you mean. It means actual amount of
Speaker 3: cash if somebody would give you for the vehicle. But
Speaker 3: in this contract sense, what it means is the NADA
Speaker 3: wholesale trade in value. And so if that's thirty five
Speaker 3: hundred in your contract, or if alternatively they cap the
Speaker 3: value of the service contract at thirty five, that's the
Speaker 3: maximum they're going to pay. So, now here's what I
Speaker 3: think is the good news. You don't probably have to
Speaker 3: use that dealership to repair your transmission, do they?
Speaker 9: So you know, yeah, you could go to an independent
Speaker 9: like myself for somebody who's reputable, which is going to
Speaker 9: come in under the actual cost of you know what
Speaker 9: you're going to be looking at at a dealership.
Speaker 3: Right, So I think you'd be wise to have, you know,
Speaker 3: somebody else look at this vehicle when you're considering what
Speaker 3: your options are. And the other benefit of that that
Speaker 3: a lot of people don't think about, is it These
Speaker 3: guys like Jeff and Kevin, they deal with these warranting
Speaker 3: companies all the time, and so they're actively on the
Speaker 3: phone with them describing what's going on, you know, getting
Speaker 3: the authorizations for you. I mean they really take that
Speaker 3: burden off of you and get the agreement that you
Speaker 3: need to go ahead and get your car fixed and
Speaker 3: back on the road. So A, I think that they're
Speaker 3: right in having the same number for actual cash value
Speaker 3: in the NADA. But B you might just want to
Speaker 3: think of about having somebody else look at the vehicle
Speaker 3: and try to get that covered so that you can
Speaker 3: get it fixed and back on the road. Does that
Speaker 3: sound like a plan for you.
Speaker 24: Tim, Yeah, sir, because yeah, they said thirty five hundreds
Speaker 24: and all have to pay twenty seven out of.
Speaker 21: My pocket.
Speaker 3: Expensive TRANSMITSI oh, yeah, that's what they came up with.
Speaker 24: And yeah they said for rebuild or refurbst or something
Speaker 24: like that. Hey, and they said that includes the two
Speaker 24: hundred and fifty dollars deductibull and all that.
Speaker 5: Yeah, Hey, write this career.
Speaker 24: Down, confuse to where I didn't see it.
Speaker 3: Hey, Tim, write this number down for jeffiic at camera transmission.
Speaker 3: It's three or three six ninety three, fourteen hundred. Give
Speaker 3: them a call, see what kind of options you've got
Speaker 3: to have them take a look at it and just
Speaker 3: see what your options are.
Speaker 24: Okay, okay, yep, Well, thank you for the help. I
Speaker 24: appreciate it, all right, good.
Speaker 9: Luck to you, my friend. You know what he touched
Speaker 9: on on something we were talking about off air. Don't
Speaker 9: be the first to make contact with the warranty company.
Speaker 9: You are your own worst enemy. Trust the guy you're
Speaker 9: handing your keys to to deal with the warranty company.
Speaker 9: If they were looking for zing words, they're looking for
Speaker 9: anything to get out from underneath these things. Bring it in,
Speaker 9: let us take a look at it. Let us deal
Speaker 9: with your warranty company. They may make contact with you
Speaker 9: to make sure that you know you're okay with this deal,
Speaker 9: or whatever the case may be. Or if you've got
Speaker 9: a problem with them later on down the right road
Speaker 9: because of a denial or something like that, then contact them.
Speaker 9: But if you contact them first, you're usually muddying the
Speaker 9: waters for us before we even get a chance to start.
Speaker 3: On the car.
Speaker 6: Right.
Speaker 3: I think that's great advice. It's almost the same advice
Speaker 3: I give people in the context of accidents and stuff,
Speaker 3: which is, don't give a statement to the insurance company.
Speaker 3: You have to understand. And it's the same thing we
Speaker 3: dealt with yesterday with the attorney that was here in
Speaker 3: the deal that said at the hospital where his wife
Speaker 3: was getting treated following an accident. They had a video
Speaker 3: thing set up where they were asking questions about how
Speaker 3: to build and everything in that video conference call was
Speaker 3: geared towards having him make the wrong decisions and building
Speaker 3: out inappropriately in the way that benefited the hospital the most.
Speaker 3: So listen, guys, when you have the opportunity to get
Speaker 3: a professional on your side to deal with these contracts
Speaker 3: and stuff, almost ninety nine times out of one hundred,
Speaker 3: you're gonna be better off doing that. Get the people
Speaker 3: that deal with them every day on your side, and
Speaker 3: I think you'll come out better. We're going to take
Speaker 3: a quick break here right now. We'll be right back.
Speaker 3: We've got a couple of calls on the phone, but
Speaker 3: give us a shout if we can help you.
Speaker 1: Thanks.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies. Find out now three oh three, seven
Speaker 11: to seven to one.
Speaker 3: Help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: durand the real estate man dot Com to list your
Speaker 11: home with Remax Alliance three all three nine two zero
Speaker 11: sixteen twenty two.
Speaker 3: All right, good afternoon, John Fuller back with the Troubleshooter
Speaker 3: Network and joining me in the studio. Here is Jeff
Speaker 3: Vick and Kevin Culkin, and it is car Day and
Speaker 3: we are here to help you with all of your problems.
Speaker 3: We solve problems, state complaints, answer questions. We're here for
Speaker 3: just about anything. It doesn't have to be limited to cars.
Speaker 3: But while we have these experts in the house, it's
Speaker 3: a great time to call with the car issues. But
Speaker 3: we have Joanna on the line with a not car issue. Joanna,
Speaker 3: how can we help you today?
Speaker 10: I just want to see if I can get some
Speaker 10: help for a friend of mine. She's seventy seven years
Speaker 10: old and she's lived in her town home for forty years.
Speaker 10: She does have some serious mental health problems. Okay, but
Speaker 10: I just found out that she got a notice from
Speaker 10: the sheriff that they are going to come take her
Speaker 10: home May eighth for what because of h HOA dues
Speaker 10: that she did not pay. Now, I'm sure she's gotten
Speaker 10: quite a few notices and everything else, and she thinks
Speaker 10: it's all a big scam, so she has ignored everything
Speaker 10: that she has gotten from the courts, from the HOA.
Speaker 10: This was I went online and it was filed in
Speaker 10: July thirtieth, twenty twenty four.
Speaker 5: So it's so the ha, sorry Joanna.
Speaker 3: So they actually sued her in foreclosure for this lean
Speaker 3: against their against the condo?
Speaker 5: Is that or the town home?
Speaker 3: Is that?
Speaker 5: What's going on?
Speaker 14: Right?
Speaker 10: She owed twenty one thousand dollars in HOA fees and
Speaker 10: dues is what they were suing her for.
Speaker 3: Has she wandered?
Speaker 5: I mean, has she been paying anything? I mean, surely
Speaker 5: she's not.
Speaker 3: So, is she's so gone that she doesn't recognize the
Speaker 3: obligation to pay them or what's going on with the
Speaker 3: lack of payment?
Speaker 10: I'm not sure where that is. She claims that she
Speaker 10: has paid it, but I don't know. Like I said,
Speaker 10: she she does have some some serious mental health problems,
Speaker 10: so I don't know if she has or hasn't.
Speaker 5: But does she have any family?
Speaker 10: No, she has no family.
Speaker 24: And so.
Speaker 10: I'm just trying to see if there's something that can
Speaker 10: be done to delay this or stop this. You know,
Speaker 10: I know, May next week.
Speaker 15: Yeah, John, I just sent Kelly a message to try
Speaker 15: to get Bride O'Brien on the phone. But just from
Speaker 15: your basic general knowledge, don't you think that severely handicapped
Speaker 15: people and very elderly people such as her friend might
Speaker 15: have some special special protections in this.
Speaker 5: Kind of I mean, here's what I know.
Speaker 3: She's definitely an at risk adult, okay, by virtue of
Speaker 3: both her age and her capacity, and you know, and
Speaker 3: those are both issues that would have been in effect
Speaker 3: last year when they initiated this deal. And so I think,
Speaker 3: you know, there may be some salvation in the lack
Speaker 3: of process or what she didn't participate, But it sounds like,
Speaker 3: you know, this is the kind of thing that happens
Speaker 3: when an HOA finally files a lawsuit and then the
Speaker 3: person doesn't show up and they get a judgment, and
Speaker 3: then finally they decide to foreclose that judgment. And she's
Speaker 3: she's been there for forty years. She likely owns it
Speaker 3: frete and clear, so there's no leans on the property,
Speaker 3: so they're in first position, and so it's just a she.
Speaker 10: Does she does have a reverse mortgage.
Speaker 15: I know that, Oh, wouldn't the reverse mortgage company have
Speaker 15: paid off this judgment, or they.
Speaker 3: Should have, and they should have verified every year that
Speaker 3: both the insurance and all the obligations were being paid
Speaker 3: on it. Have you, Joanna, do you have any sort
Speaker 3: of power of attorney or do you have the ability
Speaker 3: to actually contact to any of these people on her behalf?
Speaker 10: No, I don't, like I say, she's more of an acquaintance.
Speaker 10: We get together a couple times a year for dinner,
Speaker 10: and we had just gotten together and she mentioned all this,
Speaker 10: and I was just terribly worried about her. And I
Speaker 10: know she has no family, and so that's why I'm
Speaker 10: trying to find some help for her.
Speaker 15: Does she have the means of satisfying this judgment?
Speaker 10: She says she does.
Speaker 5: Well, it's down.
Speaker 3: To the really, the oh my god stage of I mean,
Speaker 3: I don't know if she even still has a right
Speaker 3: to cure. I am interested in getting Brad O'Brien on
Speaker 3: the phone here. Brad one of our real estate attorneys.
Speaker 3: He was in studio yesterday, and I think that would
Speaker 3: really be smart of us to get his take on this, Joanna.
Speaker 3: Can I put you back on hold for just a
Speaker 3: little bit while we get Brad on the phone just
Speaker 3: to get some really good advice straight from a guy
Speaker 3: that does this every day. Yes, all right, just go
Speaker 3: back on hold. We won't forget about you, and as
Speaker 3: soon as we get bread on the line, we'll be
Speaker 3: back to talk about this some more. Okay, Joanna, all right,
Speaker 3: so hang on there, Joanna. Hey, you guys were talking about,
Speaker 3: you know, the the concept of don't call these warranty
Speaker 3: companies on your own and your experiences with them, just
Speaker 3: to help people kind of understand why we say that
Speaker 3: and the horror stories that come from people trying to
Speaker 3: do it on their own. Can you share with the
Speaker 3: listeners some experience.
Speaker 7: Yeah, I think most people are just trying to be helpful,
Speaker 7: you know, by by trying to lay everything out. But
Speaker 7: you know, it's a term we used earlier. You know,
Speaker 7: less is more, you know, the less you tell them.
Speaker 7: I never candone lying, don't lie to them, but don't answer.
Speaker 7: You know, is today Tuesday with a story just to
Speaker 7: answer the questions that you know, and you shouldn't even
Speaker 7: have talks to your own warranty company.
Speaker 8: We do it.
Speaker 7: You get you bring your car and tell me what's
Speaker 7: going on. Here's my warranty. Let me know what you
Speaker 7: find out and that's the end of it, right, and
Speaker 7: you never hear back from anybody until we get an answer.
Speaker 7: And this is what we need to do. Warranty never
Speaker 7: contacts customers very very rarely, so don't get involved. It
Speaker 7: just muddies everything up and it makes it harder for us,
Speaker 7: you know, to make a claim for you, you know,
Speaker 7: and other little tidbits we talked about, don't don't use it,
Speaker 7: don't buy a car with an extended word. Are you
Speaker 7: thinking that that is like a service contract? You know,
Speaker 7: there's something wrong with the car, and you buy the
Speaker 7: car with the warranty and the next day you call
Speaker 7: the warranty company. No, No, they're gonna they're gonna decline
Speaker 7: that every single time.
Speaker 8: They're going to consider that pre existing exactly.
Speaker 3: So yeah, and that kind of gets closer to that
Speaker 3: fraud market we are we talking about. You know, we
Speaker 3: talked earlier about whether the mileage that was reported for
Speaker 3: the guy that was on the line with us was
Speaker 3: was a material misrepresentation. I mean, I think when you
Speaker 3: can say, look, it's zero point two percent of the
Speaker 3: overall mileage, and and you know, this guy was trying
Speaker 3: to do the honest thing and stuff. There's clearly no
Speaker 3: fraud going on in that case. But if you you know, if,
Speaker 3: on the other hand, you were work the thing the
Speaker 3: next day and that's when you're ten thousand mile discrepancy
Speaker 3: comes up or something that's a little different story that
Speaker 3: begins to look like it just doesn't pass the smell test, yep,
Speaker 3: And the smell test is the you know is the
Speaker 3: is is really what it comes down to. And the
Speaker 3: same is true in my line of work. I mean,
Speaker 3: if you get a new policy of insurance and the
Speaker 3: car gets stolen the next day, you can bet that
Speaker 3: they're going to open a special investigation on that and
Speaker 3: they're gonna look really, really, really hard at every circumstance.
Speaker 3: Not saying it doesn't happen, and it doesn't happen legitimately,
Speaker 3: but an awful lot of times, when it smells like
Speaker 3: a rat and it looks like a rat, it probably
Speaker 3: is a rat. And these insurance companies are not dumb.
Speaker 3: They look at those dates too, and it sets off
Speaker 3: a big red flag and they're like, yeah.
Speaker 9: Well, you have to live in preparation too for that
Speaker 9: day of failure, right, you know, everything you do from
Speaker 9: the time you buy that car and you get that failure,
Speaker 9: they're going to scrutinize. So if you're scheduled inside your
Speaker 9: your owner's manual for a transmission service at thirty six
Speaker 9: thousand miles, it better be before thirty six thousand miles. You
Speaker 9: better be able to document it.
Speaker 3: So how that's a great question, are a great point
Speaker 3: because it is in this contract here that you have
Speaker 3: to meet all of the the manufacturers recommended maintenance intervals.
Speaker 3: So and I know I don't do that in my
Speaker 3: personal vehicles. It may be plus or over by a
Speaker 3: little bit or maybe even a lot, and you know,
Speaker 3: I'll see.
Speaker 9: Them where if if it's one mile over this regular
Speaker 9: rescheduled maintenance where they have declined it just off of that.
Speaker 9: So if you're doing your own oil changes, you know,
Speaker 9: save the dates, save the receipts so that you can
Speaker 9: prove that I bought the oil and the oil filter.
Speaker 9: You can check the part number. This fits my car right,
Speaker 9: and this was the date I did it, and this
Speaker 9: was the mileage I did it on. But they are
Speaker 9: looking for a reason to duck out, and maintenance is
Speaker 9: probably the number one.
Speaker 3: Of the last one, and that that carries the day
Speaker 3: for him that holds water, even the one mile failure
Speaker 3: to get the recommended whatever.
Speaker 7: I saw a warranty once in big Bow letters on
Speaker 7: the first page. If you don't change your oil within
Speaker 7: fifteen hundred miles of this sale, this warranty is void.
Speaker 3: Holy moly. All right, guys, hang on, we'll be right
Speaker 3: back after this break.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com.
Speaker 12: You don't pay a cent until you're content.
Speaker 11: Time for an insurance checkup free no obligation comparison call
Speaker 11: Compass Insurance paying too much your coverage at dozens of
Speaker 11: insurance companies find out now three O three seven seven
Speaker 11: to one help. You'll think you're his only customer when
Speaker 11: you choose Frank durand the real estate Man dot com
Speaker 11: to list your home with Remax Alliance three three nine
Speaker 11: two zero sixteen twenty two.
Speaker 3: All right, good afternoon, John Fuller, coming back with the
Speaker 3: Troubleshooter Network. We are getting rapidly close to the end
Speaker 3: of the show today. We've got one more hour to go.
Speaker 3: This is card day. You can reach us at three
Speaker 3: O three seven one three eight two five five with
Speaker 3: all of your problems. We have Mike Wink and Jeffick
Speaker 3: and are Jeffick and Kevin Colkan in the studio and
Speaker 3: on the line, we have Mike Wink who's going to
Speaker 3: be joining us today as an expert, and Joanna has
Speaker 3: called in Mike. Joanna is calling on behalf of her friend,
Speaker 3: which is an elderly and somewhat mentally challenged lady who's
Speaker 3: been living in a town home for the last forty
Speaker 3: years and apparently has gotten sideways with her hoa it
Speaker 3: looks like, and has reported that she's losing her home
Speaker 3: in the next six or seven days. And we're kind
Speaker 3: of trying to figure out what's going on. It looks
Speaker 3: like she was sued and that some sort of a
Speaker 3: judgment has entered, and we're not one hundred percent sure,
Speaker 3: but either they're going to a foreclosure auction next week,
Speaker 3: or perhaps they've already had the auction and she's coming
Speaker 3: down to the date where the sheriff is going to
Speaker 3: take possession of the of the town home. And and
Speaker 3: so two things then came up in the conversation. One
Speaker 3: is that she has a reverse mortgage on the on
Speaker 3: the property, and then second, the idea that there is
Speaker 3: a you know, a homestead exemption that her age over
Speaker 3: seventy and certainly being you know, at risk from a
Speaker 3: from a mental standpoint, would would kick in. And we thought,
Speaker 3: you know, perhaps you can shed some light, Mike on
Speaker 3: how that works. How does the homestead exemption work? You know,
Speaker 3: what would happen in a case like this if all
Speaker 3: of a sudden this lady, you know, retained a bankruptcy
Speaker 3: attorney or or or did something along those lines. We're
Speaker 3: just looking at options to save this this this lady
Speaker 3: home and her you know, her rights are at least
Speaker 3: trying to preserve her rights, Mike.
Speaker 15: The other thing that the thought that I had in
Speaker 15: mind was kind of a shortcut. Is there anything you
Speaker 15: can do to freeze whatever is going to happen next
Speaker 15: week and clean up the mess later, just to ensure
Speaker 15: that this very elderly and mentally incapable lady doesn't get
Speaker 15: kicked out into the street on Thursday.
Speaker 12: Sure.
Speaker 20: Sure.
Speaker 10: So.
Speaker 21: A couple of points there. Number One, the homestead exemption
Speaker 21: does not applied to an HOA. The HOA could have
Speaker 21: a six months of assessments through what they call a
Speaker 21: statutory mean, and the home set exemption would not would
Speaker 21: not protect equity against that lean, but it would to
Speaker 21: the extent that there was more assessments do when they
Speaker 21: got a judgment and they filed the judgment lead, which
Speaker 21: they often do, so that's a little complicated. But the
Speaker 21: HOA has kind of two types of leans that can get.
Speaker 21: One which is a statutory lean and the home set
Speaker 21: exemption doesn't fly. The other, which is a judgment lean
Speaker 21: and the homestead would apply. The biggest issue though, right
Speaker 21: now is has the home and sold in foreclosure or not?
Speaker 21: Because if it's been sold in foreclosure, there's nothing we
Speaker 21: can do now stop it because it's already happened. And
Speaker 21: if it hasn't, then she can file a bankruptcy before
Speaker 21: the foreclosure sale date that will effectively stop the sale
Speaker 21: and then we'll have to work out, you know, paying
Speaker 21: paying HOA or you know, or avoiding some of the
Speaker 21: lien and maybe paying the other part.
Speaker 3: That that kind of thing, right, So, Joanna, do you
Speaker 3: know any more about this? Has there actually been a
Speaker 3: sale that went down? I mean, what what is she
Speaker 3: expecting to happen next week? Is it the eviction or
Speaker 3: the actual sale that's that's coming up on her?
Speaker 10: They said at ten o'clock on May eighth is when
Speaker 10: the sheriff was coming. The letter said, so, is there
Speaker 10: any way we could find out if it's been sold
Speaker 10: in foreclosure?
Speaker 23: Or how do we does the letters.
Speaker 15: Say what the sheriff is going to do at ten o'clock?
Speaker 10: I mean no, Unfortunately I haven't seen the letter, and
Speaker 10: I guess I need to get more information.
Speaker 15: Get that letter to Mike Wink right now.
Speaker 21: I mean, I think, and if you give me a
Speaker 21: call offline, we can do. We can do some searching
Speaker 21: to try to figure out if it's It could be
Speaker 21: a sheriff's sale, which would be an enforcement of a
Speaker 21: judgment lead and the homestead exemption could potentially stop it,
Speaker 21: but it's probably more efficient to file bankruptcy anyways to
Speaker 21: definitively stop that sale.
Speaker 3: Right So, Joanna, these are emergency procedures. This is not
Speaker 3: something that she can sit back and wait until the end.
Speaker 3: This is not a scam. This is very real and
Speaker 3: if she doesn't take these steps, she does stand to
Speaker 3: lose her home and be forcibly evicted from the home
Speaker 3: if if she does nothing, and that's you know, that's
Speaker 3: a horrible outcome, but it could easily actually happen. So
Speaker 3: here's what I want to do. I want to give
Speaker 3: you Mike Winks phone number. Okay, and you and you
Speaker 3: need to get with your friend and the two of
Speaker 3: you need to call it. Seven to two oh five
Speaker 3: two three zero six to zero. Okay, seven to two
Speaker 3: oh five two three zero six to zero.
Speaker 5: Thank you, Mike. We appreciate your help.
Speaker 21: Thank you.
Speaker 5: We're going to go to a break.
Speaker 19: We'll see on the other side.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com.
Speaker 12: You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free no obligation comparison
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three out three three
Speaker 11: seven to seven to one help. You'll think you're his
Speaker 11: only customer when you choose Frank durand the real estate
Speaker 11: Man dot com to list your home with Remax Alliance
Speaker 11: three all three nine two zero sixteen twenty two.
Speaker 3: Yeah, ripped.
Speaker 19: News.
Speaker 23: So you don't have.
Speaker 1: Come running as fast as we can show Shooter's gonna help.
Speaker 2: Come man, This is the Troubleshooter Show.
Speaker 5: Now, Tom Martinez.
Speaker 3: Good afternoon, This is John Fuller for the Troubleshooter Network.
Speaker 3: We are in the final hour of the Troubleshooter Show
Speaker 3: on Friday. Here in the studio we have Jeff Vick
Speaker 3: and Kevin Colchan. It is card day and we are
Speaker 3: here to help you. So we help you solve problems,
Speaker 3: take complaints, answer questions, uh, anything that we can do
Speaker 3: relating to a car. Today is the day to call.
Speaker 3: So if you have problems with your vehicle, with repairs,
Speaker 3: with warranties, with anything that you have going on, by
Speaker 3: all means, give us a call. But we're not limited
Speaker 3: to that, so we would open the door to just
Speaker 3: about any questions that you have. The lines are wide open.
Speaker 3: It's three oh three seven one three eight two five five.
Speaker 3: So we were talking of the break a little bit
Speaker 3: about you know, a lot of things going on in
Speaker 3: the world these days with with you know, tariffs and
Speaker 3: all this stuff, and and one of the industries that's
Speaker 3: getting hit pretty hard is the car industry. And so
Speaker 3: I think that there's some you know, predictions that you
Speaker 3: could make that you know, we might be entering an
Speaker 3: error where people are going to be hanging onto their
Speaker 3: cars a little bit longer than not. And that's going
Speaker 3: to make you know, repair and maintenance all the more
Speaker 3: important than maybe it already is. But it also brings
Speaker 3: up an issue of challenges that you guys have in
Speaker 3: this environment for things like getting the parts to do
Speaker 3: your repairs and and how do you navigate eight through
Speaker 3: that and tell us about some of the challenges you
Speaker 3: have in that in that field and what your predictions
Speaker 3: are about. You know that that markets going forward.
Speaker 9: Some of it's almost old hat at this point, you know,
Speaker 9: because we've been dealing with it ever since the COVID epidemic,
Speaker 9: when you know a lot of manufacturing went down. I
Speaker 9: mean they had enough stockpiled you know, you had enough
Speaker 9: steamed roll for a while. But then once those those
Speaker 9: supplies diminished, well, the cost of parts went up, the
Speaker 9: rarity of them went up. You know, you'd have to
Speaker 9: reatroll around the country. We're still doing that now. You know,
Speaker 9: it was only speculation on our behalf that. You know,
Speaker 9: they've realized that they don't have to stalk everything in
Speaker 9: one place and pay taxes on that inventory. So you're
Speaker 9: commonly reaching out to Okay, well this is available in Cleveland,
Speaker 9: or this is available in Dallas and they're reducing their
Speaker 9: footprint inside certain areas, and a.
Speaker 7: Lot of times they're holding back production until they have
Speaker 7: enough to run a full production run. So in other words,
Speaker 7: that run maybe twenty five hundred, and they'll just pile
Speaker 7: all the back orders till they have twenty five hundred
Speaker 7: and then then flip the switch.
Speaker 3: I remember we had a deal a few years ago,
Speaker 3: and maybe it's still a factor today. But like people
Speaker 3: couldn't get their cars fixed in the body shops because
Speaker 3: they couldn't get body parts because of the tsunamis and
Speaker 3: stuff in Japan and other natural disasters. I mean months
Speaker 3: and month and months, and the collateral effects of that
Speaker 3: are you know, the rental car agencies were backed up
Speaker 3: because the cars were gone from month.
Speaker 9: To You have dealerships that had brand new vehicles on
Speaker 9: the lots that they you know, that didn't have chips
Speaker 9: on them exactly, they weren't able to sell them, yep, Field,
Speaker 9: I mean certain ships would show up and now the
Speaker 9: vehicle was driveable. So they actually ended up selling these
Speaker 9: vehicles with we owe notices to the consumer so that
Speaker 9: they when when our HVAC chip comes in, you can
Speaker 9: come in. We can turn that back on for you.
Speaker 9: We owe it to you. But that way they could
Speaker 9: at least get these things off their lots.
Speaker 3: Yeah, it's nice this time of the year. You won't
Speaker 3: need your air conditioning that much. You know, that's what
Speaker 3: the windows are made for. You know that, the old
Speaker 3: manual air conditioning and stuff.
Speaker 9: So you know, but we've already started. You mean, you
Speaker 9: mentioned the tariffs, and we've seen any of the dealerships.
Speaker 9: It's most likely a manufacturer wide, but you know, the
Speaker 9: in preparation for the tariffs, have started raising the prices
Speaker 9: on certain parts, certain parts. I've had an example of
Speaker 9: a part that you know, I was paying one hundred
Speaker 9: and eight dollars for US now over five hundred and
Speaker 9: sixty And that happened literally inside a ten days time span.
Speaker 9: When I bought it ten days prior, it cost me
Speaker 9: one hundred and eighty bucks. When I had to get
Speaker 9: it the next time ten days after that, five hundred
Speaker 9: and sixty three dollars.
Speaker 3: Holy cow.
Speaker 7: And sometimes you're not ready for that when you're doing
Speaker 7: quotes and estimates and everything else. That's because we use
Speaker 7: common so we know what parts cost and you can
Speaker 7: put an estimate together, right, but you can't be off by,
Speaker 7: you know, two hundred percent on.
Speaker 5: A party count.
Speaker 3: We've got to caller Peter on the line here with
Speaker 3: a transmission issue. What's going on, Peter?
Speaker 23: Hi?
Speaker 10: Hello?
Speaker 26: I have a twenty twenty three Toyota Camry. Okay, And well,
Speaker 26: I was in the dealing dealership the other day and
Speaker 26: they said it's a good idea to get the transmission
Speaker 26: and fluid changed. Okay, and I have a CVC transmission
Speaker 26: and I looked online about it. It says that it
Speaker 26: holds eight and a half courts, but when they do
Speaker 26: the transmission fluid change, it only releases three and a
Speaker 26: half courts support. I'm wondering what the heck is the
Speaker 26: purpose of that. Supposedly you're not supposed to change these things.
Speaker 9: Well, no, I disagree entirely that you're not supposed to
Speaker 9: change these things. I mean they talk about sealed transmissions
Speaker 9: and lifetime fluids and lifetime units. I mean, yeah, it's
Speaker 9: the lifetime of it until it breaks down. The most
Speaker 9: cost effective means you can keep to keep that vehicle
Speaker 9: on the road is to do that preventative maintenance. And
Speaker 9: kudos to your dealership for recommending it at such an
Speaker 9: early age. On this vehicle. I'm just sure that they're
Speaker 9: going off of the mileage as well. But the most
Speaker 9: cost effective means you can what's that you said? Absolutely,
Speaker 9: the most cost effective means you can use of keeping
Speaker 9: that vehicle on the road is your preventive maintenance. It
Speaker 9: doesn't guarantee that you're not going to have a failure,
Speaker 9: but it maximizes the longevity of that car.
Speaker 3: How many miles do you have.
Speaker 26: On it here, Jim, I have forty thousand?
Speaker 3: Yeah, you do.
Speaker 9: I recommend about every three years of thirty six thousand miles.
Speaker 9: And what you're doing is you're replenishing the attitudes that
Speaker 9: breakdown and that fluid over time.
Speaker 3: And use.
Speaker 26: Oh I see, so if they only removed three and
Speaker 26: a half court and then the ad three and a
Speaker 26: half courts, it's actually helping you transmit.
Speaker 8: Yeah, it's kind of boosting it.
Speaker 5: Yep. Absolutely. Okay, good idea, Peter. Let's get that done. Okay,
Speaker 5: thanks for the call. Next, we're gonna hear from John.
Speaker 5: John's got an issue about a head gasket.
Speaker 3: What is going on?
Speaker 5: John?
Speaker 3: You've got a seventy six U Is that a Ford
Speaker 3: Van E two fifty? Yeah, that would be it.
Speaker 20: She's a club wagon. I had some head gasket issues.
Speaker 20: I was getting oil in my cooling, so you know,
Speaker 20: the thing sat for twenty years in a field. So
Speaker 20: I started breaking the engine down them all the way
Speaker 20: down to the heads. I was just wondering what you
Speaker 20: guys would recommend. I've already got everything cleaned and prepped
Speaker 20: for the head gaskets, But do you recommend adding anything
Speaker 20: to help seal the head gaskets on base got back together?
Speaker 7: Are there just a little copper coat spray or something
Speaker 7: like that. We don't use any additives. Just helps it
Speaker 7: stick on there a little bit. But uh, you make
Speaker 7: sure the heads were flat? Did you put a straight
Speaker 7: edge to them?
Speaker 20: Check them?
Speaker 24: Oh?
Speaker 20: Yeah, they're nice and straight flat. The engine only has
Speaker 20: fifty four thousand miles on it first.
Speaker 3: Twenty six nice.
Speaker 8: Yeah.
Speaker 7: Other than just a little copper coat to help the
Speaker 7: state the gas gets stay in place in that slip.
Speaker 8: When you're putting the head on. I don't use any ceiling.
Speaker 20: No, perfect, that was super easy.
Speaker 4: Thanks.
Speaker 8: Yeah, noise.
Speaker 5: What are you going to do with that van when
Speaker 5: you get it rebuilt?
Speaker 2: Oh?
Speaker 20: So, my wife and I want to turn it in
Speaker 20: a little like camper van. Take the dogs up to
Speaker 20: the mountains with So we're we got the three roads
Speaker 20: of seats, we're going to ripples out. Just turn into two,
Speaker 20: build a little bed some cabins back there and just
Speaker 20: use it for excursion.
Speaker 8: It's big enough. That's a good little bit.
Speaker 5: Sure.
Speaker 8: Yeah, that's a big band.
Speaker 5: You and the kids and the dogs and the neighbors.
Speaker 9: And he's not painting free candy on the side or
Speaker 9: anything like that right into the neighborhood.
Speaker 5: Yeah, taking out the window a fish.
Speaker 3: Bowl right nice. Hey, thanks for the call, John, Good
Speaker 3: luck with that. So before before the callers and stuff,
Speaker 3: we're just kind of talking about these parts and stuff
Speaker 3: and we're going to go to a break real quick.
Speaker 3: But when we come back, I'm just curious, how in
Speaker 3: the world do you do you bid a job when
Speaker 3: you've got that. I mean, do you actually have to
Speaker 3: go out and secure the parts before you do a
Speaker 3: commitment to a price on a job or is it
Speaker 3: just a risk that you run. So we're going to
Speaker 3: do that right after this break, and we'll be here
Speaker 3: for your calls as well.
Speaker 11: So go with a sure thing Denver's Best roofer Excel
Speaker 11: roofing dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance checkup free, no obligation. Comparison call
Speaker 11: Compass Insurance paying too much your coverage at dozens of
Speaker 11: insurance companies. Find out now three oh three seven to
Speaker 11: seven to one.
Speaker 3: Help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: durand the real estate Man dot com to list your
Speaker 11: home with Remax Alliance three oh three nine two zero
Speaker 11: sixteen twenty two.
Speaker 3: All right, good afternoon, John Fuller here in the Troubleshooter Network. Hey,
Speaker 3: you know Doc has a tendency to try to sneak
Speaker 3: out on these shows sometimes, so before the show gets over,
Speaker 3: I just wanted to point out Denver beon alert. It
Speaker 3: is National Naked Gardening Day on the third of May,
Speaker 3: which I think is tomorrow. So Doc, I'm sure you're
Speaker 3: gonna be celebrated.
Speaker 14: I will tell you I consider gardening to be manual labor,
Speaker 14: and I gave that up about thirty five years ago.
Speaker 14: So people, I can't understand why people like the garden.
Speaker 14: You're out in the hot sun much less naked. Right,
Speaker 14: So I will not be naked gardening or any kind
Speaker 14: of gardening.
Speaker 3: All right, Well, if you know, he didn't say he
Speaker 3: wouldn't be naked.
Speaker 5: He would naked, He just not gotta be gardener.
Speaker 4: I will be out with my camera documenting it.
Speaker 3: All right, Well, I would say report back, but I'm
Speaker 3: afraid of what you'd be taking pictures with the poker
Speaker 3: games and everything else happened before John, I'm quite sure
Speaker 3: of that.
Speaker 5: That's the scary part.
Speaker 3: Actually. The interesting thing was that they rated all the
Speaker 3: major cities around around the country for you know, to
Speaker 3: rank the most favorable cities for naked gardening. Number one
Speaker 3: was Miami, which kind of makes sense to a degree
Speaker 3: just from a weather standpoint. Denver didn't do so hot though.
Speaker 3: Denver was like three hundred and eightieth out of five
Speaker 3: hundred cities. And I think a good chunk of it
Speaker 3: might have been climate. But you know, May it's usually
Speaker 3: pretty nice in Denver, so I don't know how how
Speaker 3: big of a factor that was. But anyway, that's tomorrow
Speaker 3: for those of you that are interested.
Speaker 5: You can look that up.
Speaker 3: So before the break, we were talking to Jeff and
Speaker 3: Kevin about, you know, the challenges of ricing and anticipating
Speaker 3: what things are going to cost, and just kind of
Speaker 3: some some challenges that you guys have in this day
Speaker 3: and age, and it makes total sense of it's been
Speaker 3: going on since COVID, But I don't think it's going
Speaker 3: to get any better anytime soon. So what are you
Speaker 3: doing to kind of get ahead of that and to
Speaker 3: stay competitive and be you know, be nimble.
Speaker 7: Well, most of our estimates and parts searches everything else
Speaker 7: are digital, so we do get up to date pricing
Speaker 7: when we look up parts and availability, so we don't
Speaker 7: we don't get shocked too often. Only if we assume
Speaker 7: we know a price on something and quoted kind of
Speaker 7: off the cuff is the only time you'd run into trouble.
Speaker 7: But yeah, I know, it's all online, it's all digital.
Speaker 7: It's all you know, click click, click, and the estimate
Speaker 7: builds itself basically from what we find.
Speaker 8: But you know, sometimes you got to search.
Speaker 7: Sometimes they show a part in stock available, you go
Speaker 7: to order it and there was a mistake.
Speaker 9: Or has been held for internal purposes only. Yep, you know,
Speaker 9: you get that a lot of the dealerships where they
Speaker 9: know that in low supply of say a lead frame
Speaker 9: for a Ford six or eight f one fifty, well yeah,
Speaker 9: we've got three of them.
Speaker 8: But we need them here for our purposes. We won't sell.
Speaker 15: Them, right.
Speaker 3: You talked earlier about kind of wheeling and dealing with
Speaker 3: some of these dealerships to get them to actually sell
Speaker 3: you part. So does that happen a lot?
Speaker 7: It's happening more and more because dealers don't want to
Speaker 7: work with each other. A Ford dealer in Texas didn't
Speaker 7: want to sell the part to Larry Miller Ford. So
Speaker 7: I got the number for the Ford dealer in Texas
Speaker 7: and called them up and had to pay fifty bucks
Speaker 7: more for the part. But it was two in the country.
Speaker 3: So you started that conversation by saying that joke. Larry Miller.
Speaker 3: You know, I'm going to give him the time of day.
Speaker 3: I can appreciate why you'd hate him. So while I
Speaker 3: got you on the phone and help. But notice you
Speaker 3: got this little part back there in the old computer.
Speaker 7: It's it's horse training, it is, I mean sometimes and
Speaker 7: sometimes it's a lot of work funding parts. Like I said,
Speaker 7: I never thought I'd purchased stuff on eBay, But you
Speaker 7: get some oe parts that guys are aling on eBay.
Speaker 7: They're still in the toad of box, They're still in
Speaker 7: the Chrysler box, they're.
Speaker 9: Not the only premium for it. In most cases, those
Speaker 9: for them. Same thing with Amazon. The thing you got
Speaker 9: to be careful though, is we do run into a
Speaker 9: lot of counterfeit parts inside those situations. It was sometimes
Speaker 9: even boxed up and so what looks like a manufacturer's
Speaker 9: box and you get it out and it's very obvious
Speaker 9: that this is not a manufacturer's part.
Speaker 3: Now are those where are those coming from? Are those Chinese?
Speaker 9: Kind of once again, that's most likely where they're coming from. Yeah,
Speaker 9: And it's you know, it's not just for for you know,
Speaker 9: like I say, dealership or manufacturer type parts. You know,
Speaker 9: we deal with other companies because we actually build the
Speaker 9: transmissions in house. So we'll deal with companies like Transco
Speaker 9: or sawn x uh, you know, and we'll get parts
Speaker 9: to look like it's in a Saunax bag and it
Speaker 9: is not a Saunax.
Speaker 3: Part, and that part is not reliable.
Speaker 9: The hard part is too, you know, even when you
Speaker 9: know we've gone through a rash of problems with parts
Speaker 9: bad right out of the box coming from manufacturers, not
Speaker 9: just dealerships, not just you know, like Dodge or Ford
Speaker 9: or anything like that. But you know, the quality control
Speaker 9: has gone way down or of course probably the last
Speaker 9: three or four years.
Speaker 3: But then that's that's going to be across the board
Speaker 3: like you and all the other dealerships and everybody else
Speaker 3: and everybody those parts are down with those failures. Yeah,
Speaker 3: everybody's suffering those failures.
Speaker 7: The frustration is when you can't pretest the part right,
Speaker 7: not all parts can be pretested, and you got an
Speaker 7: eight hour job to put it together to find out
Speaker 7: it's now good.
Speaker 9: Or you know, I mean I mentioned Dodge that we
Speaker 9: talked about this several weeks ago. You know, I had
Speaker 9: a particular Dodge pickup. We had to change the food
Speaker 9: body on it four times and we would go out,
Speaker 9: it would work fine. Customers back on the horn here
Speaker 9: about two or three months because it's failed again.
Speaker 5: So how does that work?
Speaker 3: Like financially, it's a guy buying it four times over?
Speaker 3: Want what warranties for you're able to actually go back
Speaker 3: and get that covered as a.
Speaker 5: What we can get the part covered? The labor you
Speaker 5: guys have to eat that or or yes, really yes
Speaker 5: that is crazy, but that's why.
Speaker 7: You have to have your business model set up to
Speaker 7: absorb those charges.
Speaker 9: Yeah, comebacks are going to happen. Nobody likes them, that
Speaker 9: nobody wants to talk about them. But they're gonna happen.
Speaker 9: Whether it's your fault or the part's fault, or whatever
Speaker 9: the case may be, they're gonna.
Speaker 8: Happen, especially with a good warranty.
Speaker 7: We have a three year, thirty six thousand mile nationwide
Speaker 7: and the same customers like Teaser. It's like you old boomers,
Speaker 7: get rid of these cars. I'm tired of warranting stuff,
Speaker 7: you know.
Speaker 3: But is that a warranty that you buy on behalf
Speaker 3: of your customer? It is on that particular compensated warranty.
Speaker 3: We get compensated through NAPA for that warranty. Okay, yeah,
Speaker 3: so it's not we don't pay the full boat, but
Speaker 3: we pay half of it. But I mean, you're not
Speaker 3: you're not you're not actually providing the warranty. You're not
Speaker 3: the guaranteur of no, no.
Speaker 7: No, no, it's it's a nap out of care warranty. Yeah,
Speaker 7: that's exactly the opposite for us. I am the warranty.
Speaker 7: So it's all lands.
Speaker 8: On my back.
Speaker 5: Okay. That's scary, it can be.
Speaker 3: I mean, it's scary with with what you're saying that
Speaker 3: you know, parts are showing up that work for two
Speaker 3: months and then go out, and that could put you
Speaker 3: in a buying It.
Speaker 9: Can put you in a big bind. It depends on
Speaker 9: the part. It could be a very expensive repair.
Speaker 7: But depending on your customer and your communication, it could
Speaker 7: be very, very uncomfortable. You know, second or third time,
Speaker 7: they start doubting what you're doing, and you do yourself.
Speaker 7: You know, you start asking, what's the chances of this
Speaker 7: thing going out four different times?
Speaker 8: What are we missing? What are we not seeing?
Speaker 3: It's hard not to not to point the finger at
Speaker 3: the guy turning the wrench when you're having that kind
Speaker 3: of an outcome.
Speaker 4: Well, I can say problem.
Speaker 14: I may show my patients signed a release that they
Speaker 14: wouldn't give the babies back to me.
Speaker 4: They were non refundible.
Speaker 9: But the difference between a mechanic and a doctor is
Speaker 9: you guys get to bury your comebacks.
Speaker 3: Wow, no response on that one, doctor, It's naked gardening day?
Speaker 3: Did you know that? All right, So we're gonna go
Speaker 3: to a break here in just a second week. We've
Speaker 3: got a couple more segments here. There's just enough time
Speaker 3: for you to get on the phone and give us
Speaker 3: a call at three O three seven one three eight
Speaker 3: two fivety five. Rounding out the day, we've got Jeff
Speaker 3: Vick and Kevin Calkin. We do have one more fraud
Speaker 3: alert from Dimitri here coming up before we're done, and
Speaker 3: it looks like we've got Chris getting teed up on
Speaker 3: the line, so quick break. We'll be right back to
Speaker 3: take your calls and help you out.
Speaker 11: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three seven
Speaker 11: to seven to one help. You'll think you're his only
Speaker 11: customer when you choose Frank durand the real estate Man
Speaker 11: dot com to list your home with Remax Alliance three
Speaker 11: oh three nine two zero sixteen twenty two.
Speaker 3: All right, welcome back John Fuller here on the Troubleshooter Network,
Speaker 3: asking youself receive We have a number of callers lined
Speaker 3: up to work through here. Everybody, hang on, we will
Speaker 3: get to you. This is John Fuller on the Troubleshooter Network,
Speaker 3: and we are here to take your calls on anything
Speaker 3: and everything. But we have two experts in the house,
Speaker 3: Jeff Vick and Kevin Coulkin, who are our car experts.
Speaker 3: And so the first call we're going to go to
Speaker 3: is Chris with a question about engine parts and warranty.
Speaker 3: What's going on? Chris?
Speaker 25: Hi, John, how are you doing?
Speaker 3: Good? Thanks? What's going on?
Speaker 22: Sure?
Speaker 25: So, I have a twenty fifteen Chevy Silverado fifteen hundred.
Speaker 25: I just put a brand new engine in it, and
Speaker 25: I wanted to look at doing a couple of aftermarket
Speaker 25: items to try to ensure I don't have the same
Speaker 25: problem again that I had. And I was curious to
Speaker 25: know if these parts would void the man factor's warranty
Speaker 25: on the new engine. It came with the GM factory
Speaker 25: three year, one hundred thousand mile warranty.
Speaker 5: Okay, what parts are you thinking about?
Speaker 9: So I was.
Speaker 25: I was looking at doing a air oil separator catch
Speaker 25: scan and also doing a range module the AFM DFM disabler,
Speaker 25: and I didn't know if that would affect the warranty.
Speaker 5: Okay, I didn't even know that.
Speaker 8: Yeah, the rates might.
Speaker 7: I would definitely check with GM specifically on that because
Speaker 7: that could be considered a modification and that could fall
Speaker 7: within that exclusion. Yes, that would be a costa possibly.
Speaker 7: I mean I would definitely get clarification on it for
Speaker 7: which one the second one the range modifier, but the
Speaker 7: other error, I mean short of a cold air. A
Speaker 7: lot of cold airs are will void your warranty. I
Speaker 7: don't think that one will though.
Speaker 15: I think he was talking about a catchcan, which correct
Speaker 15: me if I'm wrong. That comes out of the the
Speaker 15: PCV valve and it separates the oil from the air
Speaker 15: before the air gets reinjected into the intake manifold, and
Speaker 15: then once in a while you you never residual oil.
Speaker 15: So is that, Chris? Is that Did I get that right?
Speaker 15: Is that the catch can that you were talking about?
Speaker 25: Yeah, it's a product, it's the K and N catch
Speaker 25: can separates the water and the sludge that's in the
Speaker 25: oil from going back down into the engine.
Speaker 4: Yeah.
Speaker 15: And I think the idea correct me if I'm wrong, Chris,
Speaker 15: But I think the idea is that you keep that
Speaker 15: oil from re entering the intake side, and so you
Speaker 15: you you've reduced the amount of build up and gunk
Speaker 15: and carbon and all that stuff and the intake valves.
Speaker 15: Is that? Is that the idea behind the cash can?
Speaker 25: Yeah, that's it.
Speaker 3: Yeah, I mean I in theory, it doesn't sound like
Speaker 3: something that would be considered a modification. But I think
Speaker 3: on a new engine, where you've got that valuable warranty
Speaker 3: from the factory and stuff, you may want to run
Speaker 3: it up the flagpole with that.
Speaker 8: I see, I'd ask him.
Speaker 7: I would, yeah, because I don't see how that would
Speaker 7: but you just never know how they would read it.
Speaker 15: Yeah, what did that new engine cost?
Speaker 3: Here?
Speaker 25: All said and done, it was fifteen thousand, two hundred dollars.
Speaker 15: Sounds reasonable for a brand new engine Dutch. You think, well, Reman,
Speaker 15: Oh it's Reman not buying you out of the factory, don't.
Speaker 8: They don't have new ones anymore.
Speaker 25: I kind of saw it as I just bought a
Speaker 25: brand new truck for fifteen thousand dollars. Oh it's seventeen
Speaker 25: thousand dollars.
Speaker 3: So true. Yeah, I mean that that totally makes sense.
Speaker 3: I don't see why you wouldn't do that. If you've
Speaker 3: got a nice you know, a nice chassis, a nice truck,
Speaker 3: and that that's all you need to do. Absolutely, that
Speaker 3: makes total sense. So anything else there, Chris.
Speaker 25: No, that I should take care of it. I thank
Speaker 25: you for the information, all right, good.
Speaker 3: Luck to you, partner. So I mean again, I think
Speaker 3: that's something we're going to start seeing more and more of,
Speaker 3: as you know, as the economy kind of changes around here.
Speaker 3: You know, even if this this whole tariff thing gets
Speaker 3: undone by the wave of a magic wand I think
Speaker 3: the effects of it are going to take a while
Speaker 3: to work through the system.
Speaker 8: We have been experiencing that already since COVID.
Speaker 7: Yeah, people are putting our average ticket price has gone
Speaker 7: up probably twenty percent over the last three years. It
Speaker 7: has because people are putting more money into the car
Speaker 7: to keep it. Like he said, seventy grand to buy
Speaker 7: a new truck. It's a lot of money.
Speaker 9: Yeah, I mean during COVID, we were seeing vehicles so heck,
Speaker 9: some of them didn't know we're even still on the road,
Speaker 9: you know, And people were putting good money into these
Speaker 9: cars keeping them running because they couldn't go get a
Speaker 9: new car between the cost of what you know, people
Speaker 9: were paying a premial just to buy a new car.
Speaker 9: It was MSRP for thirty thousand dollars, but you're going
Speaker 9: to have to pay us thirty six thousand dollars if
Speaker 9: you actually want to buy.
Speaker 5: The car, if you could actually even find it.
Speaker 9: And then financing rates, the interest rates were so high
Speaker 9: that that pushed people out, and now we're getting tariffs.
Speaker 9: It's just going to continue to perpetuate where people are
Speaker 9: relegated to repair as apposed to replace.
Speaker 3: Yeah, I think you're absolutely right. We have open lines again.
Speaker 3: The phone number here in the studio is three oh
Speaker 3: three seven one three eight two five five. If you
Speaker 3: were holding just a moment ago, give us a shout back.
Speaker 3: We'll get you right on the air. In the meantime,
Speaker 3: we're going to shift gears a little bit. We always
Speaker 3: try to keep you abreast of news scams that come
Speaker 3: online that we're aware of that you can help avoid
Speaker 3: making those mistakes as well. And Dmitri has one that
Speaker 3: we want to share. What's going on, Dmitri.
Speaker 15: John, It's probably the most sophisticated scam that I've ever
Speaker 15: seen somebody try to pull on me, and it happened
Speaker 15: at the beginning of last week. Just a few minutes
Speaker 15: after the show ended, I got a text message from
Speaker 15: my bank where I have a checking account and a
Speaker 15: debit card that's associated with that checking account, and it
Speaker 15: warned me of some suspicious transactions on my debit card.
Speaker 15: Within a few minutes, I also had a voicemail and
Speaker 15: an email, And now the voicemail said, hey, we've deactivated
Speaker 15: your debit card. Can you call us at this eight
Speaker 15: hundred number to verify these transactions? And the email had
Speaker 15: a very similar message, but it provided me with a
Speaker 15: couple of links to clink to take a look at
Speaker 15: my statements. And before I called or clicked and anything,
Speaker 15: I googled the eight hundred numbers and they did not
Speaker 15: come back to my bank. They were just no results
Speaker 15: found kind of eight hundred numbers. So instead of responding
Speaker 15: to any of these, I simply drove to one of
Speaker 15: the branches of my bank and they know me over
Speaker 15: there because I go in for my business reasons about
Speaker 15: at least once a week of it deposit checks, and
Speaker 15: they took a look, They listened to the voicemail, they
Speaker 15: looked at my account and they said, you know, the
Speaker 15: text message is legitimate, that did come from us, And
Speaker 15: they checked my account and sure enough, there's a fraud
Speaker 15: alert and they deactivated the debit card. They said, but
Speaker 15: we did not send you this email, we did not
Speaker 15: call you, and we did not leave you this far voicemail.
Speaker 15: So I looked at the fraudulent charges they and what
Speaker 15: really struck me is they it was a series of
Speaker 15: three four hundred and eighty three dollars charges to a
Speaker 15: PayPal account. And what I think happened is this scammer
Speaker 15: didn't set out to rip me off of four hundred
Speaker 15: eighty three bucks. The scammer specifically targeted or specifically set
Speaker 15: up the series of transactions to trigger the fraud alert.
Speaker 15: And then when I saw their idea was that when
Speaker 15: I saw that my debit card wasn't working anymore, I
Speaker 15: would respond either to their voicemail or I would click
Speaker 15: on those links and they would get the rest of
Speaker 15: the bank account information from me that way. So I
Speaker 15: thought the sophisticated part was they sacrificed the four hundred
Speaker 15: eighty three bucks by charging it three times because they
Speaker 15: knew this would trigger. And the scary part was they
Speaker 15: you because all of these communications had the name of
Speaker 15: my bank, they had the last four digits of my
Speaker 15: debit card, they had my email address, and they had
Speaker 15: my phone number. So the scary part was how sophisticated
Speaker 15: and how much information they already had about me, including
Speaker 15: my debit card number.
Speaker 3: Yeah, I mean that is frightening. And that's no different
Speaker 3: than the you know, all these other scam chifts have
Speaker 3: an amazing amount of information on you. My question is,
Speaker 3: why do you use a debit card anymore? All the
Speaker 3: risks associated with that.
Speaker 5: I mean, it's just why in the world would you
Speaker 5: do that.
Speaker 15: I don't use it, but it came with my checking account,
Speaker 15: and I used my checking account all the time. And
Speaker 15: I mean I can count on one hand or one
Speaker 15: finger how many times I've used a debit card for
Speaker 15: some internet purchase. I do have credit cards that I
Speaker 15: use for for credit card purchases, but so I just
Speaker 15: have it because it came with a bank account.
Speaker 3: Okay, we're going to go to the phones here real quick.
Speaker 3: We've got Patrick waiting. We'll try to get at least
Speaker 3: Patrick started here. What's going on? Patrick?
Speaker 5: You've got a car about rebuilt or a question about car?
Speaker 25: Yeah, I need a generator. I have an old thirty
Speaker 25: five forward and I need the six fold generator rebuilt
Speaker 25: to you guys know anybody that can do that.
Speaker 7: It's I don't enough generator. I don't enough Generator Exchange
Speaker 7: is still around. They used to be at forty fourth
Speaker 7: and Clay. They did all those old.
Speaker 20: Generators Raader Exchange.
Speaker 25: I'm looking all right quick, I can't seem to find
Speaker 25: anybody that wants to do it.
Speaker 8: They still show to be there. Yeah, no, I guarantee
Speaker 8: you he'll do it.
Speaker 25: Okay, I appreciate it.
Speaker 3: Thanks for the time, of course, you bet.
Speaker 5: Thanks for the call. Patrick.
Speaker 3: We're going to go to a break here real quick
Speaker 3: and we'll be right back on the other side. You
Speaker 3: still have time to give us a call at three
Speaker 3: O three seven one three eight two five five.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate Man dot
Speaker 11: com to list your home with Remax Alliance three all
Speaker 11: three nine two zero sixteen twenty two.
Speaker 3: All right, good afternoon. We are close to wrapping things
Speaker 3: up here. This is John Fuller for the Troubleshooter Network
Speaker 3: and we are here with Jeff Vick and Kevin Cochin
Speaker 3: in the in the house finishing up card day. And
Speaker 3: so we have open lines if you still have an
Speaker 3: issue that we can help you with today. The phone
Speaker 3: numbers are three oh three seven one, three eight two
Speaker 3: five five. Over the break, we got a couple of
Speaker 3: text messages saying why OW was talking bad about debit
Speaker 3: cards and stuff? And this is an issue that we
Speaker 3: really should probably talk about from time to time. A
Speaker 3: lot of people use debit cards. They think it's prudent
Speaker 3: and sound financial management to never spend anything on credit.
Speaker 3: I don't want to borrow any money. I just want
Speaker 3: to take it directly out of my checking account. But
Speaker 3: here's the challenge, or here's the risk that you run.
Speaker 3: Number One, there's no buyer protection on a debit card.
Speaker 3: If that card gets picked up by some scammer, you
Speaker 3: swipe it at the gas station and there's a reader
Speaker 3: on there, they can clean you out, and I mean
Speaker 3: clean you out in your account to where you are
Speaker 3: down to nothing in about thirty seconds and there is
Speaker 3: absolutely zero recourse for that, and not a lot of
Speaker 3: people seem to know that sometimes, and even family members
Speaker 3: like my mother in law is notorious for using a
Speaker 3: debit card, and we keep telling her do not do that,
Speaker 3: We try to take it away from her. She just
Speaker 3: is so debt adverse that she just can't fathom. Why
Speaker 3: would I borrow money when I've got money in the bank.
Speaker 3: I don't need to borrow.
Speaker 5: I'm just going to pay for it.
Speaker 3: But I'm here to tell you that that is one
Speaker 3: of the riskiest things in the world that you can use,
Speaker 3: and right up there with some of the same scams
Speaker 3: that Dimitri was just talking about. You have to be
Speaker 3: you have to use those methods that provide you the
Speaker 3: most protection. And unfortunately, you know, there's no real cost
Speaker 3: to using a credit card and just paying it off
Speaker 3: every month.
Speaker 8: Yeah, take care of it.
Speaker 3: You just pay it off and it doesn't cost you anything.
Speaker 3: But it gives you the buyer protection and the only
Speaker 3: person that's initiating taking a dime out of your bank
Speaker 3: is you when you pay off that credit card every month.
Speaker 3: And so have you guys run into that before with
Speaker 3: debit cards and stuff I.
Speaker 7: Mean, well, the other thing you mentioned in that email
Speaker 7: was the link. Don't ever click the link from the
Speaker 7: email to make a phone call my bank, because they
Speaker 7: guess the right bank. I mean, there's only so many banks.
Speaker 7: Mine happen to be Chase, and I got a thing
Speaker 7: with Chase, and it was like, I better look that
Speaker 7: number up before I click on it.
Speaker 3: Yeah, I think you're right.
Speaker 7: It's like they it's not that's not the number you're
Speaker 7: dialing when you click it.
Speaker 5: It's not that they knew you banked at Chase.
Speaker 3: Necessarily, they just sent out a million of those emails
Speaker 3: and ex percentage of them are going to happen to
Speaker 3: be Chase. And whoever you bank with the same thing,
Speaker 3: they just know it's a big bank. They don't do
Speaker 3: that with you know, Joanes State Bank with eight subscribers
Speaker 3: or exactly account holders. Are doing it with your big
Speaker 3: guys like Wells Fargo and Chase and all those.
Speaker 8: First bank any one of those.
Speaker 3: Yeah, and they're gonna hit a number of those and
Speaker 3: it's gonna be legit. I was just looking at you
Speaker 3: know that and the money transfer deals where they call
Speaker 3: up and say, you know, there's been there's been fraud
Speaker 3: on your account. We need you to transfer money over
Speaker 3: and buy it, you know, by this and that and
Speaker 3: and I mean we've heard them all here. If you've
Speaker 3: listened to this show for any length of time, you've
Speaker 3: heard caller after caller after caller call up and say
Speaker 3: I was told to go pull money out and go
Speaker 3: starting to count at a certain other bank. And you know,
Speaker 3: they would get back to me and they would let
Speaker 3: it ring three times and then hang up, and you're
Speaker 3: just like, how did this make sense? But they sound
Speaker 3: so good when they call, They look so legit. Emails
Speaker 3: look great, or they emails look great, or the text
Speaker 3: messages look great. I was talking yesterday about I've now
Speaker 3: been put on notice that I'm apparently a warrants going
Speaker 3: to issue for me from my express tollurpees into stuff.
Speaker 3: I'm not driving in the express lane anymore until they
Speaker 3: stop sending me those text messages and stuff, because clearly
Speaker 3: they are looking for me and stuff. And it's like,
Speaker 3: you know, how many times do they have to put
Speaker 3: it out on the news and everybody else that says
Speaker 3: we will not text you anything ever.
Speaker 14: And Giant, It's amazing how many people I talk to
Speaker 14: they'll say this is John Richardson from so and so
Speaker 14: and have a thick, heavy Indian accent, and you know
Speaker 14: it's not John ridgards Because.
Speaker 3: Doc, I just have to confirm your identity. Can you
Speaker 3: give me your last four of your social and your birthday?
Speaker 3: And people do it. I mean, that's the crazy thing.
Speaker 5: So you know it's not that we like to make
Speaker 5: fun of people here. We don't.
Speaker 3: We would rather you never call and say I messed
Speaker 3: up and got scammed by one of these systems. And
Speaker 3: so you just have to have some rules in place.
Speaker 8: But cut up your debit card. I mean, please, just
Speaker 8: cut it up. Cut it up.
Speaker 7: That's what I do every time I get a new one.
Speaker 7: Slice it, stick it in the microwave for a second.
Speaker 7: First off, pop that chip inside, pop that chip inside there,
Speaker 7: fry it and then cut it up right.
Speaker 8: Yeah, but I don't even know where n is. It's
Speaker 8: a safe somewhere.
Speaker 3: I haven't used a debit card well, I'll tell you this.
Speaker 3: The last time I used it was when I learned
Speaker 3: that Lesson and I had gone through. And this was
Speaker 3: probably fifteen years ago, and I went through a Burger King,
Speaker 3: which is probably the last time I went through a
Speaker 3: burger King drive through as well. But I went through
Speaker 3: a burger King drive through. I was maybe maybe a
Speaker 3: mile from my office, and in the time that it
Speaker 3: took me to get from that burger King back to
Speaker 3: my office, I was already getting fraud alerts, legitimate ones
Speaker 3: from my bank saying we've got a problem here. But
Speaker 3: you know, my bank was saying call us, you know,
Speaker 3: we've we've got an issue here, And that really opened
Speaker 3: my eyes.
Speaker 8: At Taco House on Colfax, I went about the guy's lunch.
Speaker 3: Burger King is Colfax. That's the thing. I never use
Speaker 3: a credit card of any type on Colvi. Just go
Speaker 3: to Kolfax.
Speaker 8: Keep the deviit card in your house, don't take it out.
Speaker 3: It is just crazy how fast it happens too. I mean,
Speaker 3: with me, it was literally a minute, two minutes, and
Speaker 3: there were transactions going off at Walmart down on the
Speaker 3: other end of town. And then we've had deals in
Speaker 3: Florida where it's like seventy five miles away two minutes later,
Speaker 3: and it's just crazy. They're set up to take advantage
Speaker 3: of you. They work lightning fast. Just beware, listen, guys,
Speaker 3: we really appreciate it. I've enjoyed the last three days here.
Speaker 3: Save all your problems for us. The rest of the
Speaker 3: crew will be back next week and we appreciate it
Speaker 3: very much. Save all your problems for us.