WEBVTT 1 00:00:05.280 --> 00:00:13.599 Ripped news need advice, so you don't have to come running. 2 00:00:13.839 --> 00:00:19.160 Just as fast as we can. Shooter's gonna help coming man. 3 00:00:20.000 --> 00:00:28.920 This is the Troubleshooter Show now, Tom Martine. 4 00:00:30.960 --> 00:00:33.079 Hey, good morning, good morning, good morning. This is John 5 00:00:33.119 --> 00:00:36.840 Fuller filling in for mister Tom Martine on the Troubleshooter Network. 6 00:00:36.880 --> 00:00:42.000 Today is Friday, which means it is car Day or 7 00:00:42.159 --> 00:00:43.759 truck Day or car. 8 00:00:43.520 --> 00:00:45.439 And Pitch today, don't forget and. 9 00:00:45.479 --> 00:00:48.359 Pizza Day and all sorts of other good days. It's 10 00:00:48.479 --> 00:00:52.439 beautiful outside. We should all be outside enjoying ourselves in 11 00:00:52.600 --> 00:00:57.000 this beautiful weather. Joining me in the studio today. We 12 00:00:57.119 --> 00:01:02.240 have our esteem guest Jeff Vic and Kevin Culkin, who 13 00:01:02.280 --> 00:01:04.959 are here every Friday with Car Day, and we have 14 00:01:05.159 --> 00:01:09.519 Deputies Doc and Deputy Dmitri in the house and we 15 00:01:09.560 --> 00:01:12.200 are here to help you with all of your problems. 16 00:01:12.239 --> 00:01:17.319 We answer questions, all problems, take complaints, and particularly today, 17 00:01:17.359 --> 00:01:19.480 we help work through every issue you could come up 18 00:01:19.519 --> 00:01:23.319 with regarding your vehicles and stuff. So whether it is 19 00:01:23.359 --> 00:01:27.680 a warranty issue, a maintenance issue, a repair issue, a complaint, 20 00:01:27.719 --> 00:01:29.640 a problem, a challenge, whatever it. 21 00:01:29.519 --> 00:01:31.319 May be, give us a call. Today. 22 00:01:31.920 --> 00:01:33.719 We have a couple of follow up issues that we're 23 00:01:33.719 --> 00:01:36.840 going to get to at some point today. One of 24 00:01:36.879 --> 00:01:41.640 them is regarding a vehicle. A young lady called us 25 00:01:41.680 --> 00:01:44.599 the other day with a challenge with the local dealership 26 00:01:45.599 --> 00:01:50.599 and a warranty that was not covering her transmission repair 27 00:01:50.640 --> 00:01:53.599 I think it was, and so Deputy Dmitri has a 28 00:01:53.640 --> 00:01:56.400 follow up on that, and then we're going to go 29 00:01:57.280 --> 00:02:01.519 first off here to a a gentleman that called yesterday, 30 00:02:01.560 --> 00:02:04.640 and you'll recall that he had just purchased, well recently 31 00:02:04.680 --> 00:02:09.039 purchased I should say, a Ford F one fifty and 32 00:02:09.120 --> 00:02:12.879 had bought an aftermarket warranty. And so I will welcome 33 00:02:12.919 --> 00:02:15.319 back to the show Billy, who is on the line. 34 00:02:15.319 --> 00:02:17.360 How you doing, Billy good? 35 00:02:17.400 --> 00:02:18.360 How are you good? 36 00:02:18.840 --> 00:02:22.479 So Billy, Just so the listeners are up to speed. Here, 37 00:02:22.520 --> 00:02:26.840 you bought a twenty eleven F one fifty that had 38 00:02:26.919 --> 00:02:29.840 almost well like one hundred and eighty four hundred and 39 00:02:29.879 --> 00:02:31.960 eighty five thousand miles on it at the time that 40 00:02:32.039 --> 00:02:32.680 you bought it. 41 00:02:32.759 --> 00:02:37.840 Correct well, it had one hundred and ninety five. That 42 00:02:38.000 --> 00:02:43.759 was a miscalculation on their part, okay, so they thought 43 00:02:43.759 --> 00:02:45.960 it was one eighty four and actuality it was one 44 00:02:46.120 --> 00:02:50.240 ninety five. Well, he had mistyped it when he typed 45 00:02:50.240 --> 00:02:52.759 it in, so they knew it was one ninety five. 46 00:02:53.240 --> 00:02:58.199 So the warranty company knew it was one ninety five. Yes, sir, okay, 47 00:02:58.280 --> 00:03:00.879 So their documents. I've reviewed the douments, by the way, 48 00:03:01.199 --> 00:03:04.080 Billy sent us a document yesterday. Both myself and Dmitri 49 00:03:04.159 --> 00:03:06.759 have read it a number of times. We have that 50 00:03:06.840 --> 00:03:09.800 in front of us. Their documents all say one eighty 51 00:03:09.800 --> 00:03:15.759 four to five, right, for give or take, and so 52 00:03:15.960 --> 00:03:18.840 to bring the I mean, really, when we're talking ten 53 00:03:18.879 --> 00:03:22.000 thousand miles, flip flopping the four in the five or not? 54 00:03:22.080 --> 00:03:25.520 The or not the crux of our issue here today. Correct, 55 00:03:26.080 --> 00:03:27.039 But to make. 56 00:03:26.840 --> 00:03:30.080 A long story short, you drove away a happy camper, 57 00:03:31.080 --> 00:03:33.800 You financed the vehicle, you're making payments on the vehicle, 58 00:03:33.840 --> 00:03:38.919 and you're making payments on this aftermarket warranty as well. Correct, Yes, sir, 59 00:03:39.000 --> 00:03:42.400 all right, and then you fade off into the distance, 60 00:03:42.439 --> 00:03:44.960 and then all of a sudden, the turbo goes out, 61 00:03:45.439 --> 00:03:48.439 shells out, and shoots a bunch of stuff down into 62 00:03:48.479 --> 00:03:50.919 the motor and kills the whole engine. 63 00:03:50.960 --> 00:03:51.319 Correct. 64 00:03:52.159 --> 00:03:54.840 Correct, how much is it supposed to cost you to 65 00:03:54.879 --> 00:03:56.080 fix that whole engine? 66 00:03:56.120 --> 00:03:57.120 Repairing that vehicle. 67 00:03:58.599 --> 00:04:03.319 So where's that now? Is dealer and they're just completely outrageous. 68 00:04:03.919 --> 00:04:07.159 I did get another quote, okay that I sent over 69 00:04:07.240 --> 00:04:11.560 to them, and it's roughly about fifty five dollars. 70 00:04:12.520 --> 00:04:15.360 Okay, So the new quote that you got was fifty 71 00:04:15.400 --> 00:04:15.919 five what the. 72 00:04:15.840 --> 00:04:16.519 Dealer tell you? 73 00:04:18.439 --> 00:04:21.079 Absolutely nothing, It was free. 74 00:04:23.319 --> 00:04:24.800 They didn't give you a quote at all. 75 00:04:26.680 --> 00:04:31.319 For the Oh for the dealer, yeah no, so their 76 00:04:31.439 --> 00:04:32.879 quote was twenty thousand. 77 00:04:33.040 --> 00:04:37.240 Oh okay, Well that's the difference between rebuilt and used, right, Yeah, 78 00:04:37.279 --> 00:04:37.759 there's no way. 79 00:04:37.759 --> 00:04:39.160 It's five grand. That's all used. 80 00:04:39.680 --> 00:04:41.360 So what do you think five grand is trying to 81 00:04:41.360 --> 00:04:41.920 rebuild the. 82 00:04:41.959 --> 00:04:45.120 Existing that's a used setup, just to use motors, motor 83 00:04:45.240 --> 00:04:48.879 dropping one yep, yep, labor and everything that's that's that's low. 84 00:04:49.120 --> 00:04:50.480 That's thirty low. That's pretty low. 85 00:04:50.519 --> 00:04:53.360 Even with that, depending on which warranty company this is, 86 00:04:54.160 --> 00:04:56.639 a lot of the warranty companies will only pay for 87 00:04:56.800 --> 00:05:00.000 use replacements, particularly on higher mileage vehicles. 88 00:05:00.360 --> 00:05:02.879 We're not even there, you know, okay, we're just trying 89 00:05:02.920 --> 00:05:05.720 to figure out how bad the damage is. So so 90 00:05:06.040 --> 00:05:08.480 what I'm hearing you say is the best deal you've 91 00:05:08.519 --> 00:05:11.920 got is about five grand to put in a used motor, 92 00:05:12.079 --> 00:05:14.879 and that's through. Is that an approved like real shop 93 00:05:14.959 --> 00:05:16.519 or is that a buddy that does work? 94 00:05:16.639 --> 00:05:19.079 Or no, it is an approved shop? 95 00:05:19.279 --> 00:05:23.360 Okay, cool, all right, so fast forward. We then contact 96 00:05:23.439 --> 00:05:27.600 the warranty company. And the warranty company is a company 97 00:05:27.639 --> 00:05:33.360 called Endurance, and the Endurance contract is here in front 98 00:05:33.399 --> 00:05:36.199 of me. And Endurance had signed a contract with you 99 00:05:36.759 --> 00:05:40.079 promising to cover the next one hundred thousand miles of 100 00:05:40.120 --> 00:05:44.160 your ownership for the low low price of four thousand, 101 00:05:44.279 --> 00:05:47.879 seven hundred and thirty six dollars. They were going to 102 00:05:47.959 --> 00:05:50.959 cover that thing mostly bumper to bumper, all the internally 103 00:05:51.000 --> 00:05:54.560 lubricated parts, and a whole laundry list of stuff, plus 104 00:05:54.639 --> 00:05:58.199 everything under the sun that they wouldn't cover, right, yes, sir, 105 00:05:58.399 --> 00:06:01.439 and you contacted them. Now I'm I'm curious. You told 106 00:06:01.519 --> 00:06:04.519 us yesterday that they just flat denied your claim because 107 00:06:04.519 --> 00:06:07.279 they said that you misrepresented the mileage. How did they 108 00:06:07.279 --> 00:06:10.720 come to find out that the mileage was different than 109 00:06:10.800 --> 00:06:11.800 what they thought it was? 110 00:06:13.120 --> 00:06:16.439 So when I initially signed the contract, I'd let them 111 00:06:16.480 --> 00:06:18.959 know that it was one hundred and ninety five thousand. 112 00:06:19.680 --> 00:06:22.959 The gentleman that typed it in fat finger the key 113 00:06:23.680 --> 00:06:29.480 did whatever. So when I had presented my claim, the 114 00:06:29.879 --> 00:06:34.879 maintenance records on that truck showed more than one hundred 115 00:06:34.879 --> 00:06:38.560 and eighty one hundred and eighty five, right, So the 116 00:06:38.639 --> 00:06:41.759 last maintenance record was like a one ninety five. 117 00:06:43.120 --> 00:06:46.120 So are they using the provision that says you didn't 118 00:06:46.319 --> 00:06:49.199 provide normal maintenance on the vehicle and that's why they're 119 00:06:49.199 --> 00:06:50.000 going to deny it? 120 00:06:50.120 --> 00:06:51.160 Or what are they saying? 121 00:06:51.879 --> 00:06:56.560 They're telling me that I didn't update with the actual 122 00:06:56.600 --> 00:07:03.040 odomino reading inside the thirty days allotted, But I had 123 00:07:03.079 --> 00:07:05.920 no idea that they needed that information. 124 00:07:06.360 --> 00:07:10.560 So I count myself as a pretty good reader. And 125 00:07:11.560 --> 00:07:13.839 I read that sucker three times at least. And I 126 00:07:13.839 --> 00:07:16.160 didn't see anywhere in there that it said that you 127 00:07:16.240 --> 00:07:20.279 had a duty to update and bring them up to 128 00:07:20.319 --> 00:07:23.160 speed on anywhere. Did they cite some provision of the 129 00:07:23.160 --> 00:07:26.879 contract that they're relying on for this, No, sir, just 130 00:07:26.959 --> 00:07:27.560 word of mouth. 131 00:07:30.240 --> 00:07:32.560 Okay, did they deny it in writing? 132 00:07:34.000 --> 00:07:34.160 Now? 133 00:07:34.360 --> 00:07:36.680 They haven't given me anything in writing. 134 00:07:37.040 --> 00:07:40.439 Did they say that you had materially misrepresented the vehicle 135 00:07:40.519 --> 00:07:42.040 and that's what they were relying upon? 136 00:07:43.720 --> 00:07:45.120 Pretty much? Yeah? 137 00:07:45.199 --> 00:07:48.160 Not pretty much? Did they use those words? 138 00:07:48.839 --> 00:07:52.839 Not exactly? They turned around, and so the whole denial 139 00:07:53.079 --> 00:07:58.279 was because I didn't call in with the original o'domino reading. 140 00:08:00.079 --> 00:08:02.639 The estimate that I gave them was less than six 141 00:08:02.720 --> 00:08:04.680 hundred miles off. 142 00:08:05.319 --> 00:08:08.839 Okay, so I'm confused again. You told them one hundred 143 00:08:08.839 --> 00:08:12.079 and ninety five thousand. Somebody fat fingered the one eighty 144 00:08:12.120 --> 00:08:16.079 four or one eighty five on the contract, and then 145 00:08:16.759 --> 00:08:19.480 they noticed that some of your maintenance records were off 146 00:08:19.519 --> 00:08:23.000 by ten thousand according to their books. Did they ask 147 00:08:23.079 --> 00:08:25.079 you about the milage? I mean, how did this come up? 148 00:08:25.120 --> 00:08:28.160 I don't really know how we ran into problems with them. 149 00:08:28.920 --> 00:08:31.600 So the shop had called me, the dealership had called 150 00:08:31.639 --> 00:08:36.320 me and said that, and Durance had denied the claim. 151 00:08:37.559 --> 00:08:42.320 So I had called to find out why, and their 152 00:08:42.399 --> 00:08:48.720 excuse was because I didn't update the o'domina reading inside 153 00:08:48.759 --> 00:08:50.519 that first thirty days. 154 00:08:51.039 --> 00:08:54.759 Okay, all right, Billy, hang on a second. We got 155 00:08:54.759 --> 00:08:56.399 to go to a quick break. We're going to try 156 00:08:56.399 --> 00:08:59.639 to analyze this thing here and come up with a 157 00:08:59.639 --> 00:09:01.399 game play, and so hang type for a second. 158 00:09:07.679 --> 00:09:10.919 Go with a sure thing Denver's best roofer excel roofing 159 00:09:11.039 --> 00:09:11.639 dot com. 160 00:09:11.679 --> 00:09:14.879 You don't pay a cent until you're content than. 161 00:09:17.080 --> 00:09:20.240 Time for an insurance check up free no obligation comparison 162 00:09:20.399 --> 00:09:23.960 call Compass Insurance paying too much your coverage at dozens 163 00:09:23.960 --> 00:09:26.679 of insurance companies find out now three O three seven 164 00:09:26.679 --> 00:09:27.279 to seven to one. 165 00:09:27.360 --> 00:09:27.639 Help. 166 00:09:27.799 --> 00:09:30.440 You'll think you're his only customer when you choose Frank 167 00:09:30.519 --> 00:09:32.960 durand the real estate Man dot com to list your 168 00:09:33.000 --> 00:09:36.639 home with Remax Alliance three three nine two zero sixteen 169 00:09:36.679 --> 00:09:37.240 twenty two. 170 00:09:44.120 --> 00:09:47.879 All right, good morning, We're back live on the Troubleshooter Network. 171 00:09:48.159 --> 00:09:51.960 John Fuller here filling in for Tom and Mark and 172 00:09:52.919 --> 00:09:55.840 in the studio with Meir, Jeffick and Kevin Caulkin. Today's 173 00:09:55.919 --> 00:09:59.720 car Day, and we are knee deep in an issue 174 00:09:59.720 --> 00:10:02.639 with that started yesterday. Zoe. I promise I'm going to 175 00:10:02.679 --> 00:10:04.399 get to your issue here in just a little bit, 176 00:10:04.440 --> 00:10:07.200 but hang tight with us. Uh. Just to recap, Billy 177 00:10:07.240 --> 00:10:10.159 bought a F one fifty and bought a warranty on it, 178 00:10:10.200 --> 00:10:13.080 and we're going through a number of steps here to 179 00:10:13.080 --> 00:10:17.279 figure out why exactly this warranty company denied Billy's claim 180 00:10:17.360 --> 00:10:19.639 when the turbo went out and the whole motor got shot. 181 00:10:20.320 --> 00:10:23.919 And we're kind of we're kind of going in circles here, 182 00:10:23.960 --> 00:10:27.759 Billy between you know what happened, and and and the 183 00:10:29.080 --> 00:10:34.720 Kevin in the studio here maybe solved it by guessing 184 00:10:34.759 --> 00:10:38.879 that the original misstatement was that in an application that 185 00:10:39.039 --> 00:10:41.080 was made to them that they're relying upon, is that 186 00:10:41.120 --> 00:10:44.399 where they got the one eight five plus or minus 187 00:10:44.440 --> 00:10:50.440 mileage on this vehicle over the phone, over the phone. Okay, 188 00:10:51.120 --> 00:10:54.080 so you know, here's here's my take on it. Okay, 189 00:10:54.320 --> 00:10:57.679 I've read the entire thirty six page contract like three 190 00:10:57.759 --> 00:11:01.320 times at least. I've highly lighted it, I've gone through it. 191 00:11:01.360 --> 00:11:03.480 I've got it here in front of me. I'm going 192 00:11:03.559 --> 00:11:06.960 to tell you why this was perhaps the worst financial 193 00:11:07.039 --> 00:11:11.919 decision that you've ever made in your life. And then 194 00:11:11.919 --> 00:11:13.759 I'm going to try to tell you why or how 195 00:11:13.840 --> 00:11:18.519 we get out of this thing. Okay, if you misstated 196 00:11:18.559 --> 00:11:23.000 the mileage and and I don't think there's any allegation 197 00:11:23.120 --> 00:11:27.480 that there was some intentional misrepresentation going on. It sounds 198 00:11:27.559 --> 00:11:29.879 like to me this warranty company is trying to use 199 00:11:29.919 --> 00:11:36.559 that misstatement quote unquote of miles to somehow almost invalidate 200 00:11:36.600 --> 00:11:39.279 the entire warranty. And the only way to cure that, 201 00:11:39.840 --> 00:11:43.679 you know, that breach, if you will, is to give 202 00:11:43.720 --> 00:11:46.720 you your money back on it and to just just wipe 203 00:11:46.759 --> 00:11:50.759 it off and you know, wipe the slate clean now 204 00:11:50.799 --> 00:11:52.799 for you. That still leaves you with a truck that's 205 00:11:52.840 --> 00:11:55.559 got a five thousand dollars repair that you need. But 206 00:11:55.919 --> 00:11:58.279 that's better than oh and five thousand dollars on the 207 00:11:58.320 --> 00:12:01.159 warranty and a truck that has a five thousand dollars 208 00:12:01.200 --> 00:12:04.320 motor that it needs, because you're still making payments on 209 00:12:04.360 --> 00:12:06.759 the truck and you're still making payments on the warranty. 210 00:12:06.879 --> 00:12:09.039 And so we got to get rid of the warranty 211 00:12:09.039 --> 00:12:11.159 and get rid of the payments on the warranty, and 212 00:12:11.200 --> 00:12:13.320 that at least frees up a couple hundred dollars a 213 00:12:13.320 --> 00:12:15.360 month for you to figure out how to pay for 214 00:12:15.480 --> 00:12:18.159 this five grand. But here's a couple of things that 215 00:12:18.200 --> 00:12:20.919 you may not have noticed. And I'm just I'm really 216 00:12:20.960 --> 00:12:23.120 not calling you out on this building because you're one 217 00:12:23.159 --> 00:12:26.399 of thousands of people that enter these things. I'm just 218 00:12:26.480 --> 00:12:30.919 trying to make people understand why these things are so 219 00:12:31.720 --> 00:12:36.679 bad of an investment to make on your vehicles. The 220 00:12:37.120 --> 00:12:42.200 first thing is they're not unlimited. I mean, you're not 221 00:12:42.240 --> 00:12:45.000 buying a new vehicle with a bumper to bumper, take 222 00:12:45.039 --> 00:12:47.480 it or leave it, anything that happens to this vehicle, 223 00:12:47.480 --> 00:12:51.080 we're going to cover it. These things are one hundred 224 00:12:51.120 --> 00:12:55.080 percent of the time capped and limited in the amount 225 00:12:55.120 --> 00:12:56.799 of money that they'll pay out on a deal. 226 00:12:57.279 --> 00:12:58.000 It's kind of funny. 227 00:12:58.039 --> 00:13:00.000 We're sitting here in the studio and there's a commercial 228 00:13:00.240 --> 00:13:02.480 for this outfit that just came on the television in 229 00:13:02.480 --> 00:13:06.039 front of us, So what a what a coincidence? 230 00:13:06.080 --> 00:13:08.039 That's just that's just too darn funny. 231 00:13:08.080 --> 00:13:11.360 But but nowhere on the commercial does it show that 232 00:13:11.399 --> 00:13:16.679 they're capping and limiting their benefits to the amount that 233 00:13:16.679 --> 00:13:19.519 that that they do in the contract. But but surprisingly 234 00:13:19.559 --> 00:13:21.480 here would you do you know what the cap is? 235 00:13:21.519 --> 00:13:24.679 Have you looked at it to see. 236 00:13:24.120 --> 00:13:27.320 I have read through that contract and I do know 237 00:13:27.399 --> 00:13:31.320 it states and labor costs. 238 00:13:31.600 --> 00:13:34.519 Yeah, no, here's what it states. We're never going to 239 00:13:34.600 --> 00:13:37.840 ever pay more than ten grand period over the life 240 00:13:37.919 --> 00:13:41.120 of this contract. So that could be you know, five 241 00:13:41.240 --> 00:13:44.000 different repairs of two grand, but once they hit ten 242 00:13:44.039 --> 00:13:44.759 they're done. 243 00:13:44.799 --> 00:13:44.960 Or. 244 00:13:47.720 --> 00:13:52.919 The trade in value of your vehicle at the time 245 00:13:53.000 --> 00:13:56.279 that the the the covered repair you know, needed to 246 00:13:56.320 --> 00:13:59.000 be made. So so you're talking about an f one 247 00:13:59.120 --> 00:14:01.360 fifty that's on I was fifteen years old with two 248 00:14:01.399 --> 00:14:03.559 hundred thousand miles on it. Do you know what the 249 00:14:03.639 --> 00:14:04.960 value that truck is today? 250 00:14:05.919 --> 00:14:06.440 I don't. 251 00:14:07.000 --> 00:14:09.919 I'll tell you that Nada's trade end value puts it. 252 00:14:09.879 --> 00:14:14.480 At between about five and maybe sixty five hundred dollars. 253 00:14:14.840 --> 00:14:18.440 So here's the thing. The maximum they're ever gonna pay 254 00:14:18.480 --> 00:14:23.440 on that contract is about fifty five hundred dollars. Let's 255 00:14:23.440 --> 00:14:26.600 call it six just for the easy math. Okay, okay, 256 00:14:27.039 --> 00:14:29.919 So you paid almost five grand for a warranty. That 257 00:14:30.279 --> 00:14:34.080 maximum is going to never pay over the life of 258 00:14:34.080 --> 00:14:37.799 the warranty more than six thousand dollars towards a covered 259 00:14:37.799 --> 00:14:41.240 repair if they even decide that it's truly a covered repair. 260 00:14:43.759 --> 00:14:46.679 And and that's a shrinking cap too. Next year, that 261 00:14:46.679 --> 00:14:48.120 truck's going to be worth less. 262 00:14:48.200 --> 00:14:49.279 That's exactly right. 263 00:14:49.440 --> 00:14:52.799 And so you know, they allegedly covered that thing out 264 00:14:52.799 --> 00:14:55.360 to two hundred and what they thought was two hundred 265 00:14:55.399 --> 00:14:57.559 and eighty thousand miles. What the heck is an F 266 00:14:57.639 --> 00:14:59.960 one fifty with two hundred and eighty thousand miles worth 267 00:15:00.000 --> 00:15:03.200 earth two grand, three grand. 268 00:15:03.279 --> 00:15:05.200 It's going to every month it's going to be less. 269 00:15:05.600 --> 00:15:10.080 So every month, their maximum exposure goes down, but your 270 00:15:10.120 --> 00:15:13.799 payment stays the same, and you're you're paying interest on 271 00:15:13.840 --> 00:15:16.440 that every single month for the life of this thing. 272 00:15:17.759 --> 00:15:21.799 Does that seem like a good investment for you? Not really? 273 00:15:21.919 --> 00:15:25.000 No note of And I'm guessing that I'm guessing that 274 00:15:25.039 --> 00:15:28.039 nobody sat down and explained that to you, that we'd 275 00:15:28.080 --> 00:15:30.519 like to sell you something that's going to cost you 276 00:15:30.559 --> 00:15:33.200 a fortune. We'll never pay off a benefit on it, 277 00:15:33.399 --> 00:15:35.600 and if we do the value, the benefit's going to 278 00:15:35.679 --> 00:15:39.039 eventually really quickly be less than what you're paying us 279 00:15:39.080 --> 00:15:44.000 for it, right, I mean, that's just crazy that anybody 280 00:15:44.080 --> 00:15:47.039 would buy these things. And so you know, here's the 281 00:15:47.080 --> 00:15:49.799 good news for you, Billy, And I mean this sincerely. 282 00:15:51.000 --> 00:15:54.559 This company had thirty eight hundred complaints against it last year. 283 00:15:56.679 --> 00:16:02.039 They do seem to be fairly responsive to very public complaints. 284 00:16:03.320 --> 00:16:05.159 And I think that what we should try to do 285 00:16:05.240 --> 00:16:09.399 in this case is have Deputy Dmitri contact this company 286 00:16:09.440 --> 00:16:11.480 on your behalf. It may require you to be on 287 00:16:11.519 --> 00:16:13.720 the phone with them. I don't know what level of 288 00:16:14.840 --> 00:16:18.399 communication they'll have. And we want to just try to 289 00:16:18.440 --> 00:16:21.360 get this thing done and canceled and get you back 290 00:16:21.399 --> 00:16:25.840 whatever we can on it to try to make you 291 00:16:25.919 --> 00:16:28.399 whole and at least get you out from under this or. 292 00:16:28.360 --> 00:16:31.080 Pay for the used motor. Well, I mean that would 293 00:16:31.080 --> 00:16:31.600 be the ideal. 294 00:16:31.720 --> 00:16:33.559 That would be the ideal thing to do, is that 295 00:16:33.600 --> 00:16:36.759 there's there you know, maybe that's really the starting point, Dmitri. 296 00:16:36.879 --> 00:16:41.120 There's been no material misrepresentation. This thing is like, you know, 297 00:16:41.240 --> 00:16:45.480 we're talking minuscule percentages of the overall mileage. There was 298 00:16:45.519 --> 00:16:47.879 nothing material. It was done over the phone. They can't 299 00:16:47.919 --> 00:16:52.120 prove that it was a willful misrepresentation. They've got a 300 00:16:52.159 --> 00:16:54.279 buyer's order, you know, that was filled out by the 301 00:16:54.320 --> 00:16:56.320 guy that filled it out, that puts the mileage on 302 00:16:56.399 --> 00:17:00.600 there that everybody thought it was. There's nothing material and 303 00:17:00.679 --> 00:17:05.599 it is what should be a covered loss. But worst 304 00:17:05.680 --> 00:17:07.920 case scenario, if you only get him out of it, 305 00:17:08.279 --> 00:17:09.039 you've done him a. 306 00:17:09.000 --> 00:17:12.640 Favor, right right, And now, one of the things that 307 00:17:13.039 --> 00:17:15.039 our caller needs to keep in mind is I too 308 00:17:15.079 --> 00:17:18.599 write the contract and if he is successful at canceling 309 00:17:18.759 --> 00:17:21.319 is which there is a cancelation provision and there is 310 00:17:21.480 --> 00:17:24.400 tact It seems to be pretty straightforward. He's not going 311 00:17:24.440 --> 00:17:26.480 to get a refund for what he already paid. 312 00:17:26.799 --> 00:17:28.480 Well, I don't think he's going to get that anyway, 313 00:17:28.519 --> 00:17:31.000 because he financed it, so it's not like he paid 314 00:17:31.000 --> 00:17:34.400 it off in full out of cash. So the best 315 00:17:34.400 --> 00:17:36.319 they can do is to try to unravel this saying, 316 00:17:36.359 --> 00:17:37.000 and yes. 317 00:17:36.799 --> 00:17:40.000 It will be pro rated, but you know, but it's 318 00:17:40.079 --> 00:17:42.559 better than god knows how many more years of almost 319 00:17:42.559 --> 00:17:44.720 two hundred bucks a month for a question. 320 00:17:44.920 --> 00:17:47.839 Wouldn't it be helpful at all to ask them to 321 00:17:47.920 --> 00:17:51.880 send him a written statement of why the denim acclaim 322 00:17:52.279 --> 00:17:56.200 so that you have something concrete to talk about when 323 00:17:56.240 --> 00:17:57.799 you call them. 324 00:17:57.839 --> 00:18:01.160 That's never a bad idea. I mean, you guys deal 325 00:18:01.200 --> 00:18:03.519 with this warranty company. What's your experience with them? 326 00:18:03.599 --> 00:18:06.759 I mean, well, the all warranty companies look for an 327 00:18:06.799 --> 00:18:09.279 out right, that's their first step is to try to 328 00:18:09.319 --> 00:18:12.119 figure out how to not cover stuff, so, you know, 329 00:18:12.440 --> 00:18:14.759 and I can see why they have a mileage clause. 330 00:18:14.880 --> 00:18:18.200 I mean, this one, okay, wasn't as as egregious as 331 00:18:18.240 --> 00:18:20.119 you know. I had three hundred thousand. I told you 332 00:18:20.200 --> 00:18:22.880 I had fifty thousand, so I'm sure it was just 333 00:18:22.920 --> 00:18:26.759 an automatic trigger, you know, and a conversation made just 334 00:18:26.839 --> 00:18:27.680 solve the whole thing. 335 00:18:27.799 --> 00:18:30.839 It's curable, not ten grand off the end date of 336 00:18:30.880 --> 00:18:33.880 this thing and call it good. I doubt seriously that 337 00:18:33.960 --> 00:18:37.519 their actuarial tables make a Ford truck with one hundred 338 00:18:37.559 --> 00:18:40.680 and ninety five thousand miles anymore experience like they actively 339 00:18:40.759 --> 00:18:42.759 like they wouldn't have covered it Ford truck with one 340 00:18:42.799 --> 00:18:43.880 hundred and eighty five thousand. 341 00:18:44.319 --> 00:18:47.599 I mean, come on, it's not it's just not that big. 342 00:18:47.599 --> 00:18:50.680 Of most of these outfits, you get to the right 343 00:18:50.720 --> 00:18:53.920 person with the right attitude, with the right information, and 344 00:18:54.079 --> 00:18:54.839 it's solvable. 345 00:18:55.319 --> 00:18:58.400 So that's my hope, and and you know, maybe we 346 00:18:58.480 --> 00:19:00.759 can deal with it. I'm we're going to talk at 347 00:19:00.759 --> 00:19:03.359 some point when we get a break in the action 348 00:19:03.480 --> 00:19:06.440 today about the rest of the provisions in this and 349 00:19:06.480 --> 00:19:10.200 how absurd they are with regard to the arbitration provisions 350 00:19:10.240 --> 00:19:14.200 and how that actually, you know, how that actually works out, 351 00:19:14.240 --> 00:19:16.720 and what rights you truly have, And I will map 352 00:19:16.759 --> 00:19:18.920 out for you what it would look like if you 353 00:19:19.000 --> 00:19:21.519 truly said, by dang it, I'm going to fight these people, 354 00:19:21.720 --> 00:19:23.799 and I'm going to go down that road and see 355 00:19:23.799 --> 00:19:26.799 what happens. And I think you'll just be shaking your 356 00:19:26.839 --> 00:19:30.079 head about, you know, how ludicrous this whole contract is. 357 00:19:30.160 --> 00:19:33.799 So so I want you to give your contact information 358 00:19:33.880 --> 00:19:34.240 to Kelly. 359 00:19:34.240 --> 00:19:36.000 I know she called you today and she has some 360 00:19:36.079 --> 00:19:36.319 of it. 361 00:19:36.400 --> 00:19:39.440 But Dimitri will be in touch with you and you 362 00:19:39.480 --> 00:19:41.200 guys are going to work together and hopefully we'll have 363 00:19:41.200 --> 00:19:43.279 some good outcome, you know, at some point in the 364 00:19:43.359 --> 00:19:47.039 near future. Okay, Billy, fantastic, All right, Bud, good luck, 365 00:19:47.039 --> 00:19:49.599 and we'll talk to you again soon. Okay, we are 366 00:19:49.599 --> 00:19:51.400 going to go take a real quick break. We will 367 00:19:51.400 --> 00:19:53.559 be right back. We've got a couple of calls backed up. 368 00:19:53.640 --> 00:19:53.839 Zoe. 369 00:19:53.960 --> 00:19:56.000 We're going to deal with your issue with a moving company, 370 00:19:56.440 --> 00:19:58.880 and we've got Duey on the line with the transmission issues. 371 00:19:58.920 --> 00:20:00.680 So hang tight, we will be right back. 372 00:20:04.839 --> 00:20:08.079 Go with a sure thing Denver's Best roofer Excel Roofing 373 00:20:08.200 --> 00:20:08.759 dot com. 374 00:20:08.799 --> 00:20:10.839 You don't pay a cent until you're content. 375 00:20:14.200 --> 00:20:17.759 Time for an insurance checkup free no obligation comparison call 376 00:20:17.880 --> 00:20:21.160 Compass Insurance paying too much your coverage at dozens of 377 00:20:21.200 --> 00:20:23.880 insurance companies find out now three all three seven to 378 00:20:23.920 --> 00:20:26.720 seven to one help. You'll think you're his only customer 379 00:20:26.759 --> 00:20:29.039 when you choose Frank durand the Real estate Man dot 380 00:20:29.039 --> 00:20:32.359 com to list your home with Remax Alliance three oh 381 00:20:32.400 --> 00:20:40.720 three nine two zero, sixteen twenty two. 382 00:20:35.000 --> 00:20:45.799 All right, I'm speechless. 383 00:20:45.799 --> 00:20:48.920 Here John Fuller for the Troubleshooter Show. Here we are 384 00:20:48.960 --> 00:20:52.039 having a riveting conversation where Dimitri is trying to explain 385 00:20:52.079 --> 00:20:58.119 to us that nicotine is practically good for you. I 386 00:20:58.160 --> 00:21:00.160 think is the best way to sum it up. So 387 00:21:00.599 --> 00:21:03.680 we are having a lovely discussion about that. But we're 388 00:21:03.720 --> 00:21:06.359 going to go to the phones again here. And Zoe, 389 00:21:06.400 --> 00:21:08.240 you've been holding for a while. You've got an issue 390 00:21:08.240 --> 00:21:09.880 with a moving company. What is going on? 391 00:21:10.000 --> 00:21:10.240 Zoe? 392 00:21:11.559 --> 00:21:11.920 Hello? 393 00:21:12.240 --> 00:21:16.559 So I recently moved from Colorado to Massachusetts, okay, And 394 00:21:16.599 --> 00:21:20.480 I did some research online of movers that are good 395 00:21:20.480 --> 00:21:25.519 with interstate travel, and I reached out to Minard's Trucking, 396 00:21:25.680 --> 00:21:28.720 which is actually a broker which I was unaware of, okay, 397 00:21:28.960 --> 00:21:33.720 and they contracted me with Swift Moving Services okay. And 398 00:21:34.160 --> 00:21:36.599 when they came to pick up my stuff, it was 399 00:21:36.640 --> 00:21:42.079 already a day late and didn't I wasn't contacted about 400 00:21:42.119 --> 00:21:44.960 who my carrier was, so I was unclear of who 401 00:21:45.000 --> 00:21:50.680 to pay, how to pay, and then get to my roof. 402 00:21:51.160 --> 00:21:55.240 I told everyone I have clearer communication that I needed 403 00:21:55.240 --> 00:21:58.839 my things by than April nineteenth. When I got here, 404 00:22:00.000 --> 00:22:05.000 and they let me know the day before that that 405 00:22:05.079 --> 00:22:07.640 was actually my first available dates. But this was not 406 00:22:07.799 --> 00:22:10.599 listed on the bill of lading that I signed with 407 00:22:10.720 --> 00:22:16.359 the carrier, and so on their contract they have twenty 408 00:22:16.400 --> 00:22:19.279 one days to deliver it to me, but I had 409 00:22:19.400 --> 00:22:24.200 still not gotten my thinks. And in addition to that, 410 00:22:24.519 --> 00:22:27.759 they tried to tell me that they would need a 411 00:22:29.240 --> 00:22:32.880 shuttle to bring it to my apartment, which was never communicated. 412 00:22:32.880 --> 00:22:37.319 They already had the address back in April. It's now May, 413 00:22:38.160 --> 00:22:43.000 and now they're telling me because they sent me a 414 00:22:43.039 --> 00:22:49.440 cy saying that they had general liability and workers' compensation coverage, 415 00:22:49.559 --> 00:22:52.079 they would not give me the policy number or the 416 00:22:52.160 --> 00:22:53.160 insurance information. 417 00:22:53.480 --> 00:22:54.799 And I was told by the. 418 00:22:54.720 --> 00:22:59.279 Broker representative that they actually did not have any active 419 00:22:59.319 --> 00:23:03.319 workers company, so my property management wouldn't allow them to 420 00:23:03.359 --> 00:23:06.119 bring my things, which I told them back in April 421 00:23:06.839 --> 00:23:10.079 that they needed this, and so now I had to 422 00:23:10.160 --> 00:23:14.680 hire a separate moving company with actual insurance to pick. 423 00:23:14.519 --> 00:23:15.279 Up my things. 424 00:23:15.400 --> 00:23:16.839 They said they were going to put it in a 425 00:23:16.920 --> 00:23:20.119 storage unit, which they didn't end up doing, so now 426 00:23:20.200 --> 00:23:24.759 I'm having today having to have a reputable company pick 427 00:23:24.839 --> 00:23:27.079 up my things from the truck. 428 00:23:28.400 --> 00:23:30.799 Are you at least going to get your stuff. I 429 00:23:30.839 --> 00:23:34.200 mean that's the next chapter. I'm just waiting for you 430 00:23:34.279 --> 00:23:35.720 to say that your stuff was missing. 431 00:23:35.880 --> 00:23:39.400 Yeah, and the driver themselves actually reached out to me 432 00:23:39.440 --> 00:23:42.720 and said if they come after two pm, we will 433 00:23:42.720 --> 00:23:48.160 not be here. So I don't even know how to 434 00:23:48.200 --> 00:23:52.240 handle this situation, but I know that I'm going to 435 00:23:52.319 --> 00:23:56.400 speak with attorney about fraudulent claims of insurance gut Bridge because. 436 00:23:56.960 --> 00:23:57.920 This is ridiculous. 437 00:23:58.000 --> 00:23:59.319 Zoe, How can we help you today? 438 00:24:00.079 --> 00:24:01.839 One quick question was a brokelyn Florida. 439 00:24:02.400 --> 00:24:04.000 Yes, they are a broker was in Florida. 440 00:24:04.119 --> 00:24:05.839 You just look them up there in Florida. 441 00:24:06.000 --> 00:24:08.440 Yes, we said this just to all the people listening. 442 00:24:09.079 --> 00:24:13.160 Anytime you get somebody that's a broken Florida, do not pasco, 443 00:24:13.440 --> 00:24:14.839 do not collect hundred dollars. 444 00:24:15.039 --> 00:24:17.119 You hang up and find somebody else. 445 00:24:17.480 --> 00:24:20.160 Every time we've heard a story like this for the 446 00:24:20.240 --> 00:24:22.839 past i know how many years, it's always a broker 447 00:24:22.880 --> 00:24:25.079 in Florida. 448 00:24:25.200 --> 00:24:29.079 Yeah, and there I filed acclaim with the f MC 449 00:24:29.680 --> 00:24:33.880 or s CSA, and I've been in contact with the 450 00:24:33.920 --> 00:24:36.480 owner of the brokereen company saying he's going to try 451 00:24:36.480 --> 00:24:38.519 and figure it out and get me a deal. So 452 00:24:38.599 --> 00:24:40.519 I filed a complaint on both of the companies. 453 00:24:42.960 --> 00:24:45.599 Well, I mean, I'm glad that you're sharing the story 454 00:24:45.599 --> 00:24:47.119 with us. How can we help you today? 455 00:24:48.279 --> 00:24:50.559 I just want to know if I have a case 456 00:24:50.680 --> 00:24:53.160 to push forward for fraudulent insurance. 457 00:24:53.440 --> 00:24:54.559 Well, and if there's any. 458 00:24:54.359 --> 00:24:56.759 Way that I could positively because I paid almost five 459 00:24:56.839 --> 00:24:57.440 grand for this. 460 00:24:58.480 --> 00:25:01.200 Yeah, and so here's kind of my take on it. 461 00:25:01.319 --> 00:25:05.279 Number One, get your furniture back before you go filing 462 00:25:05.319 --> 00:25:08.119 all these complaints and stuff. I mean, yeah, you know, 463 00:25:08.200 --> 00:25:11.519 let's not put the cart before the horse here. You 464 00:25:11.640 --> 00:25:14.640 need to do what you need to do to protect 465 00:25:14.680 --> 00:25:18.039 yourself and mitigate your damages and get your darned furniture back. 466 00:25:18.079 --> 00:25:21.720 Once you've got your furniture, you can file complaints till 467 00:25:21.720 --> 00:25:24.720 the cows come home. But there's no way that your 468 00:25:24.720 --> 00:25:29.279 furniture is going to disappear or the truck's gonna miraculously 469 00:25:29.319 --> 00:25:31.559 break down in a bad neighborhood and they're going to 470 00:25:31.599 --> 00:25:36.079 forget to lock it and mysteriously everything disappears and stuff 471 00:25:36.119 --> 00:25:36.519 like that. 472 00:25:37.400 --> 00:25:38.680 Dmitri, you had a thought. 473 00:25:38.559 --> 00:25:40.559 Hey Zoe, A couple of quick questions for you. Did 474 00:25:40.559 --> 00:25:43.720 you pay for this movie with a credit card or 475 00:25:43.720 --> 00:25:44.319 some other way. 476 00:25:45.119 --> 00:25:48.559 So I paid the broker. My first payment was with 477 00:25:48.640 --> 00:25:53.720 the credit card, and then the carrier. It was twenty 478 00:25:53.759 --> 00:25:59.319 three up front, and then and then when they came 479 00:25:59.359 --> 00:26:01.640 to pick it up, I didn't know that I was 480 00:26:01.680 --> 00:26:03.559 supposed to pay the carrier. I thought I was paying 481 00:26:03.559 --> 00:26:08.000 the broker, which would make sense to me, but they 482 00:26:08.039 --> 00:26:09.839 wanted only a Zell payment. 483 00:26:10.119 --> 00:26:13.359 Yeah. Yeah, So what was the total contract price that 484 00:26:13.440 --> 00:26:14.160 you had planned on? 485 00:26:15.160 --> 00:26:18.839 So initially my quote was around thirty five hundred because 486 00:26:18.839 --> 00:26:21.160 I was trying to beat a pod price. But then 487 00:26:21.359 --> 00:26:23.240 once they had all my stuff, they said, oh, it's 488 00:26:23.240 --> 00:26:27.400 more cubic feet. I'm like, okay, I understand that, huh. 489 00:26:27.960 --> 00:26:31.279 And then it ended up being like fifty five hundred. 490 00:26:31.400 --> 00:26:33.880 And so you paid it. Sounds like you paid about 491 00:26:33.880 --> 00:26:36.000 twenty three hundred on a credit card to the broker, 492 00:26:36.480 --> 00:26:39.240 and then the balance and Zell to the actual moving company. 493 00:26:39.759 --> 00:26:41.279 And yeah, so I paid them. 494 00:26:41.319 --> 00:26:41.839 How much more? 495 00:26:41.880 --> 00:26:42.799 I paid them fifty? 496 00:26:43.039 --> 00:26:46.160 Yeah, I understand, And roughly speaking, how much more is 497 00:26:46.200 --> 00:26:48.480 this going to cost you to actually get your stuff back? 498 00:26:48.720 --> 00:26:50.839 To get my stuff it's going to pay It's going 499 00:26:50.880 --> 00:26:54.000 to cost me another sixteen hundred and eighty dollars. 500 00:26:54.319 --> 00:26:56.960 That's not bad, John, What do you think of this? Uh, 501 00:26:57.319 --> 00:26:59.200 there's no chance she's going to get any money back 502 00:26:59.200 --> 00:27:01.160 from the actual moving company. That's why it was a 503 00:27:01.240 --> 00:27:04.440 Zell payment instead of a credit card. How about how 504 00:27:04.440 --> 00:27:07.880 about if Zoe's after she gets her stuff back, her 505 00:27:07.960 --> 00:27:10.680 first step is just to dispute the charge on her 506 00:27:10.680 --> 00:27:14.039 credit card because she paid for service that turned out 507 00:27:14.359 --> 00:27:17.119 not to have been provided. That at least she's not 508 00:27:17.160 --> 00:27:19.160 going to get made whole, but at least they'll help 509 00:27:19.200 --> 00:27:21.720 mitigate her damages to the extent of two even for. 510 00:27:21.680 --> 00:27:24.160 Fraud, she's got sixty days from statement date when she 511 00:27:24.200 --> 00:27:24.599 paid that. 512 00:27:25.759 --> 00:27:29.400 Okay, well, yeah, you're right, Jeff. Now, in my experience, 513 00:27:29.640 --> 00:27:32.480 some credit cards allow you. So in my case, I 514 00:27:32.519 --> 00:27:35.240 have a credit card that allows a year for me 515 00:27:35.319 --> 00:27:39.000 to dispute something. It's it's, it's, it's. It really depends 516 00:27:39.039 --> 00:27:40.880 on who issued the credit card. Is kind of what 517 00:27:40.920 --> 00:27:44.799 it looks like, and I think it doesn't sound like 518 00:27:44.880 --> 00:27:48.240 it was very long ago anyway. So, John, I mean, 519 00:27:48.319 --> 00:27:50.680 does she have any downside to disputing this thing on 520 00:27:50.680 --> 00:27:53.000 the credit card and documenting all of these losses. 521 00:27:54.240 --> 00:27:57.400 I mean, the only downside is that they potentially deny 522 00:27:57.440 --> 00:28:00.680 it I mean there's no there's no real there's no 523 00:28:00.759 --> 00:28:02.319 real really for asking. 524 00:28:02.440 --> 00:28:03.599 No, but the broker. 525 00:28:03.319 --> 00:28:07.240 Provider service, the broker fixed got her set up with 526 00:28:07.319 --> 00:28:10.880 a moving company. They're gonna tell the credit card company. Look, 527 00:28:11.119 --> 00:28:14.200 she paid us to find a mover. We found a mover. 528 00:28:14.680 --> 00:28:16.880 If there was a problem with a mover, then she 529 00:28:17.000 --> 00:28:20.319 needs to deal with that. They they you know, that's 530 00:28:20.359 --> 00:28:21.119 their out. 531 00:28:21.279 --> 00:28:23.440 So did you sign any kind of a contract with 532 00:28:23.480 --> 00:28:24.160 the with the with. 533 00:28:24.200 --> 00:28:27.799 Minari, I find two separate bill of Ladys. So the 534 00:28:27.839 --> 00:28:28.599 first one was my. 535 00:28:28.720 --> 00:28:31.720 Estimate, not the bill of and then I find not 536 00:28:31.759 --> 00:28:34.079 the bill Then I was there an actual contract. 537 00:28:35.200 --> 00:28:39.000 It's it's not even a full contract. It's just an estimate, 538 00:28:39.160 --> 00:28:42.319 a binding estimate which ended up not being binding, if 539 00:28:42.400 --> 00:28:43.079 that makes sense. 540 00:28:43.440 --> 00:28:48.720 And that's the estimate from Minard. Okay, well that's I 541 00:28:48.720 --> 00:28:52.039 mean that turned into a contract, right John, after she 542 00:28:52.079 --> 00:28:54.559 made a payment that that estimate became a contract. 543 00:28:54.839 --> 00:28:58.000 Yeah, I mean it seems like the only real issue 544 00:28:58.039 --> 00:29:01.200 there was the sixteen hundred additional right she's having to 545 00:29:01.279 --> 00:29:02.599 pay for the lack of insurance. 546 00:29:02.640 --> 00:29:04.039 The rest of it, they can argue. 547 00:29:04.240 --> 00:29:06.599 I'm going to just speak straight with you, Zoe. If 548 00:29:06.640 --> 00:29:09.039 you get out of this and you get your stuff back, 549 00:29:09.799 --> 00:29:12.000 and at the end of the day you only got 550 00:29:12.000 --> 00:29:15.720 fleeced to the tune of sixteen hundred. You're not doing 551 00:29:15.759 --> 00:29:19.400 too bad. I would file the fraud claim with your 552 00:29:19.400 --> 00:29:21.720 credit card and see what happens. Throw it against the wall. 553 00:29:22.279 --> 00:29:24.559 Who knows. You may get lucky on that and get 554 00:29:24.559 --> 00:29:26.880 some of that back, or at least open a you know, 555 00:29:26.960 --> 00:29:29.640 a dialogue about that. But if you only come out 556 00:29:29.680 --> 00:29:33.240 of the sixteen hundred down, you're not doing bad compared 557 00:29:33.240 --> 00:29:35.200 to some of the horror stories that we've had here. 558 00:29:35.279 --> 00:29:37.480 I just way ahead. Yeah, I think that. 559 00:29:37.559 --> 00:29:39.839 You're doing really good in the sense that you know 560 00:29:39.880 --> 00:29:42.279 what these documents are and you really kept really good 561 00:29:42.319 --> 00:29:45.119 records of what's going on. But listen, before you go 562 00:29:45.279 --> 00:29:48.920 crazy on the complaints and stuff, get your property back, Okay, 563 00:29:49.559 --> 00:29:52.759 that's got to just be the absolute priority. Do not file, 564 00:29:52.920 --> 00:29:55.799 do not dog cuss anybody, don't do it. Do what 565 00:29:55.839 --> 00:29:58.599 you have to do to get your property back first, 566 00:29:59.079 --> 00:30:02.160 and then, you know, explore all the different options that 567 00:30:02.200 --> 00:30:02.519 you have. 568 00:30:03.119 --> 00:30:03.279 Uh. 569 00:30:03.440 --> 00:30:05.200 Best of luck, let us know how it works out. 570 00:30:05.279 --> 00:30:08.920 Appreciate the call today, Zodie, have a good day. We're 571 00:30:08.920 --> 00:30:10.640 gonna go to a break. We'll be right back. Today's 572 00:30:10.680 --> 00:30:12.960 car Day. Give us a call seven one three eight 573 00:30:13.000 --> 00:30:13.640 two five five. 574 00:30:13.680 --> 00:30:14.519 We're here to help. 575 00:30:14.359 --> 00:30:19.119 You go with a sure thing Denver's best roofer Excel 576 00:30:19.240 --> 00:30:22.319 Roofing dot com. You don't pay a cent until you're content. 577 00:30:25.680 --> 00:30:28.880 Time for an insurance checkup free, no obligation. In comparison, 578 00:30:29.000 --> 00:30:32.559 call Compass Insurance paying too much your coverage at dozens 579 00:30:32.559 --> 00:30:35.279 of insurance companies find out now three all three seven 580 00:30:35.400 --> 00:30:38.200 seven to one help. You'll think you're his only customer 581 00:30:38.240 --> 00:30:40.519 when you choose Frank durand the real estate Man dot 582 00:30:40.519 --> 00:30:43.839 com to list your home with Remax Alliance three all 583 00:30:43.880 --> 00:30:57.759 three nine two zero sixteen twenty two. 584 00:30:58.799 --> 00:31:02.119 All right, good afternoon, John Fuller here on the Troubleshooter Network. 585 00:31:02.519 --> 00:31:05.279 We are here on car Day and we have some 586 00:31:05.319 --> 00:31:07.559 callers lined up. We're going to go directly to the phone. 587 00:31:07.559 --> 00:31:10.559 But if we can help you, this is an opportunity 588 00:31:10.680 --> 00:31:13.079 to get in without a whole lot of people in 589 00:31:13.119 --> 00:31:14.759 front of you. Just give us a call at three 590 00:31:14.920 --> 00:31:18.039 h three seven one three eight two five five. We 591 00:31:18.119 --> 00:31:20.960 have in the studio Jeffick and Kevin Coulkin, who are 592 00:31:21.960 --> 00:31:25.240 veritable experts on all things automotive and so give us 593 00:31:25.279 --> 00:31:28.039 a call. We are here to help you with your issues. First, 594 00:31:28.039 --> 00:31:30.720 we're going to go to Priscilla, who it says here 595 00:31:30.799 --> 00:31:33.119 is having an issue with breaking your release. What is 596 00:31:33.160 --> 00:31:35.440 going on, Priscilla. 597 00:31:35.680 --> 00:31:43.240 Hi, So I have a previous landlord. I'm currently paying 598 00:31:43.319 --> 00:31:46.200 two rents because I had to get out of my 599 00:31:46.359 --> 00:31:53.640 old space for my mental health, and I have now 600 00:31:53.720 --> 00:31:58.039 cleaned out all my belongings from there. So kind of 601 00:31:58.079 --> 00:32:00.720 just a s anoposit of what the land or was doing. 602 00:32:00.960 --> 00:32:04.319 They were restricting any guests in the house. They did 603 00:32:04.359 --> 00:32:07.880 not allow me to have guests to visit overnight anything 604 00:32:07.960 --> 00:32:08.319 like that. 605 00:32:09.559 --> 00:32:13.640 They are in this house basically just. 606 00:32:13.880 --> 00:32:17.799 A single room being the rest of the house very 607 00:32:17.880 --> 00:32:24.319 much there, and they put up cameras in the house 608 00:32:24.400 --> 00:32:28.160 without telling the tenants. It was myself another person that 609 00:32:28.200 --> 00:32:32.920 we're living in the basement of basically this house with 610 00:32:33.400 --> 00:32:41.839 a couple as living upstairs as the landlords, and so 611 00:32:42.279 --> 00:32:44.480 realizing that it wasn't going to be a place that 612 00:32:44.519 --> 00:32:47.759 I could safely exist. 613 00:32:48.319 --> 00:32:49.279 Did you know they. 614 00:32:49.160 --> 00:32:51.759 Put in the place or were they secret? 615 00:32:52.720 --> 00:32:54.319 They did not tell me beforehand? 616 00:32:54.559 --> 00:32:56.599 No, okay, but it did. 617 00:32:56.599 --> 00:32:59.759 It just show up on the coffee table. I mean 618 00:32:59.799 --> 00:33:01.559 it did you know they were there or did they 619 00:33:01.599 --> 00:33:03.880 secretly record you for a period of time? 620 00:33:05.440 --> 00:33:09.559 It wasn't secret they did. They put them up in 621 00:33:10.359 --> 00:33:13.480 like the like the living room, in the kitchen and 622 00:33:13.559 --> 00:33:16.039 the dining room. 623 00:33:17.000 --> 00:33:17.400 Okay. 624 00:33:17.759 --> 00:33:23.480 So, and I did some research yesterday into consent party 625 00:33:23.519 --> 00:33:29.039 laws in Colorado, and because basically it said that, like, 626 00:33:29.480 --> 00:33:33.319 if you have reasonable expectation of privacy, it's not illegal. 627 00:33:33.759 --> 00:33:36.880 But also you're inside your own house, Like would that 628 00:33:37.079 --> 00:33:41.359 be a reasonable expectation of privacy, especially if you don't 629 00:33:41.359 --> 00:33:45.799 have access to the recordings or were so knowledge that 630 00:33:45.839 --> 00:33:46.400 it's happening. 631 00:33:46.720 --> 00:33:48.839 So you ended up moving out of this place, you 632 00:33:48.880 --> 00:33:52.039 said for mental health reasons and what into another place? 633 00:33:52.119 --> 00:33:53.640 Is that why you have two rents going on? 634 00:33:55.079 --> 00:33:59.640 Yes? So currently in a bay situation, I'm living with 635 00:33:59.680 --> 00:34:07.359 my partners, so I've it's definitely not an immediate situation 636 00:34:07.559 --> 00:34:12.239 that I need to be around these people. But and 637 00:34:12.320 --> 00:34:17.239 I recently went back and cleaned out the rest of 638 00:34:17.280 --> 00:34:20.559 my like I moved through the majority of my things 639 00:34:20.559 --> 00:34:25.559 a few months ago, but haven't been able to build 640 00:34:25.679 --> 00:34:30.800 up the gumption to go back to finish out everything. 641 00:34:32.440 --> 00:34:37.400 So how can we help you today? Forca so I. 642 00:34:37.239 --> 00:34:42.360 Was hoping that I could get any suggestions on ways 643 00:34:42.360 --> 00:34:45.960 to move forward last night. Oh, they also when I 644 00:34:46.000 --> 00:34:48.360 went to clean up my stuff, they had ripped out 645 00:34:48.400 --> 00:34:51.239 the floor in my room and are doing a full 646 00:34:51.280 --> 00:34:57.559 construction project in the space that I'm paying for. They 647 00:34:57.599 --> 00:35:01.679 also refused any attempts to into replacement tenant. There were 648 00:35:01.760 --> 00:35:04.960 several times that I tried to bring somebody or get 649 00:35:04.960 --> 00:35:08.079 somebody that wanted to pay over Lite. 650 00:35:08.199 --> 00:35:10.559 Priscilla hang on, we'll be right back after this break. 651 00:35:10.559 --> 00:35:12.840 We've got some ideas for you. Jason and Dennis hang 652 00:35:12.880 --> 00:35:13.880 On will be with you as well. 653 00:35:13.920 --> 00:35:16.000 We've got to go to this break. Thanks you listen. 654 00:35:23.639 --> 00:35:26.880 Go with a sure thing Denver's Best roofer Excel Roofing 655 00:35:27.000 --> 00:35:27.599 dot com. 656 00:35:27.639 --> 00:35:29.639 You don't pay a cent until you're content. 657 00:35:31.239 --> 00:35:34.920 Plea of time for an insurance check up free no 658 00:35:35.000 --> 00:35:39.360 obligation comparison call Compass Insurance paying too much your coverage 659 00:35:39.360 --> 00:35:41.960 at dozens of insurance companies find out now three O 660 00:35:42.079 --> 00:35:44.440 three seven to seven to one help. You'll think you're 661 00:35:44.480 --> 00:35:47.000 his only customer when you choose Frank durand the real 662 00:35:47.079 --> 00:35:50.079 estate Man dot com to list your home with Remax 663 00:35:50.119 --> 00:35:53.199 Alliance three three nine two zero, sixteen twenty two. 664 00:36:02.159 --> 00:36:07.559 You need advice so you don't have Camaruning's just as 665 00:36:07.599 --> 00:36:12.519 fast as we can. Shooter's gonna help come man. 666 00:36:13.360 --> 00:36:21.480 This is the Troubleshooter Show. Now, Tom Martinez, Hey, good afternoon. 667 00:36:21.559 --> 00:36:23.760 John Fuller here filling in for Tom Martino on The 668 00:36:23.760 --> 00:36:28.079 Troubleshooter Show. We are rocking and rolling here today in 669 00:36:28.119 --> 00:36:30.519 the studio. We have Jeff Vick and Kevin Colkin. It 670 00:36:30.639 --> 00:36:32.320 is card day. We are here to help you out. 671 00:36:32.320 --> 00:36:34.280 We've got a number of callers lined up. We're gonna 672 00:36:34.320 --> 00:36:37.440 go right to the call lines, starting with Priscilla, who 673 00:36:37.480 --> 00:36:40.360 we are finishing up with. Priscilla was a tenant and 674 00:36:40.400 --> 00:36:44.360 a home. She rented a room. It sounds like things 675 00:36:44.360 --> 00:36:46.960 have kind of gone south and she moved out for 676 00:36:47.199 --> 00:36:50.840 mental health reasons, according to Priscilla, and the landlord was 677 00:36:50.880 --> 00:36:54.960 doing crazy things like installing cameras and lemiting visitors and 678 00:36:55.000 --> 00:36:57.880 all this kind of stuff. Let me ask you this, Priscilla, 679 00:36:58.239 --> 00:37:04.639 how much time did you have on your lease with them? Priscilla, 680 00:37:04.639 --> 00:37:07.800 are you still there all right? 681 00:37:07.880 --> 00:37:09.719 Looks like, oh she's there, okay. 682 00:37:09.760 --> 00:37:10.719 How much time did you have? 683 00:37:11.360 --> 00:37:11.760 Myself? 684 00:37:14.840 --> 00:37:18.559 The lease is over July thirty, first and I sent 685 00:37:18.639 --> 00:37:22.119 an official notice yesterday to to my landlord saying like, hey, 686 00:37:22.159 --> 00:37:25.840 I'm out everything, and he responded with Okay, still basically 687 00:37:25.880 --> 00:37:28.960 still expecting right for the rest of the term, even 688 00:37:28.960 --> 00:37:31.679 though I'm completely moved out. They started a construction project 689 00:37:31.679 --> 00:37:34.760 in my room, so like, it's not livable. Even the 690 00:37:34.840 --> 00:37:37.440 room that I'm paying for isn't currently inhabitable. 691 00:37:39.480 --> 00:37:41.360 Okay. How much were you paying a month? 692 00:37:42.960 --> 00:37:43.639 Seven hundred? 693 00:37:46.840 --> 00:37:51.519 Okay, So you know, here's the thing I mean, I think, 694 00:37:52.280 --> 00:37:54.119 and you guys chime in if you have a different 695 00:37:54.159 --> 00:37:59.559 opinion here. I think creating conditions that make the unit 696 00:38:00.119 --> 00:38:04.480 uninhabitable and particularly starting a construction project, would amount to 697 00:38:04.639 --> 00:38:13.679 a constructive eviction under most people's eyes. It's one of 698 00:38:13.679 --> 00:38:17.760 those things where, according to the real estate attorney that 699 00:38:17.840 --> 00:38:21.239 was here yesterday, you almost have to put this in 700 00:38:21.320 --> 00:38:25.360 the landlord's lap and let them begin formal eviction proceedings 701 00:38:25.360 --> 00:38:25.960 against you. 702 00:38:26.440 --> 00:38:27.360 If you don't. 703 00:38:27.079 --> 00:38:29.639 Show up and you don't pay the rent, all he 704 00:38:29.679 --> 00:38:32.679 can really do is begin formal eviction proceedings. But you've 705 00:38:32.719 --> 00:38:34.880 already moved out, and you gave him that in writing, 706 00:38:34.960 --> 00:38:37.280 so that's really kind of a moot point. And then 707 00:38:37.320 --> 00:38:40.599 to try to sue you to collect that money. And 708 00:38:40.639 --> 00:38:43.880 I think that a defense to the collectibility of the 709 00:38:43.920 --> 00:38:46.199 rent is going to be the habitability of the unit 710 00:38:46.239 --> 00:38:48.480 that you were living in. And so I hope you 711 00:38:48.559 --> 00:38:52.519 have photographs of the cameras and the construction project and 712 00:38:52.559 --> 00:38:54.639 stuff that began, because that's going to be the way 713 00:38:54.639 --> 00:38:58.039 you defend this if the guy ever pursues it. Now, 714 00:38:58.079 --> 00:39:01.039 if you have that security to posit with him, you 715 00:39:01.079 --> 00:39:05.360 could probably count on that's gonna be forfeited, but it'll 716 00:39:05.400 --> 00:39:08.559 be forfeited with you know, a credit towards the unpaid 717 00:39:08.599 --> 00:39:10.920 rent at least, So you've got that going for you. 718 00:39:11.000 --> 00:39:14.639 But I think in your circumstance, you've got a good story. 719 00:39:14.719 --> 00:39:17.559 But you just really don't have a lot of, you know, 720 00:39:17.760 --> 00:39:19.800 a lot of power on your side other than just 721 00:39:19.840 --> 00:39:21.519 to move on in your life and wait for the 722 00:39:21.599 --> 00:39:24.239 landlord to make the next move and kind of see 723 00:39:24.239 --> 00:39:26.199 what happens from there. Do you guys have a different 724 00:39:26.199 --> 00:39:26.679 take on it? 725 00:39:26.800 --> 00:39:28.639 No, I think you're absolutely done on with that. Yeah, 726 00:39:28.679 --> 00:39:31.440 I wouldn't pay another nickel, no way. Let him come 727 00:39:31.480 --> 00:39:33.440 after you, that's all he can do, I mean, and 728 00:39:33.480 --> 00:39:34.679 then then deal with it. 729 00:39:34.719 --> 00:39:36.960 But was you security deposit. 730 00:39:39.440 --> 00:39:41.920 I believe it was. It was one month, so it 731 00:39:41.960 --> 00:39:43.239 was about seven hundred, all. 732 00:39:43.199 --> 00:39:46.280 Right, So basically he's gonna he's not gonna come after 733 00:39:46.320 --> 00:39:49.679 you for fourteen hundred bucks if you have photographs of 734 00:39:49.719 --> 00:39:51.440 the construction going on. 735 00:39:52.239 --> 00:39:54.000 Yeah, I tend to agree with you. 736 00:39:54.159 --> 00:39:56.840 And in the future. Listen, a landlord can put all 737 00:39:56.840 --> 00:39:59.320 these conditions on you, but they can't just spring them 738 00:39:59.360 --> 00:40:02.760 on you kind of midstream. That's where the landlord gets 739 00:40:02.800 --> 00:40:05.199 into kind of a breech situation on their side. But 740 00:40:06.320 --> 00:40:10.159 your strength is in documenting everything and communicating in writing. 741 00:40:10.280 --> 00:40:13.119 So it's not enough to say I couldn't help. But 742 00:40:13.159 --> 00:40:16.880 notice you put seventeen cameras in my unit overnight. You 743 00:40:16.920 --> 00:40:19.639 knows it needs to be an email or something written 744 00:40:19.679 --> 00:40:23.239 that documents today you installed all these cameras. We didn't 745 00:40:23.239 --> 00:40:25.719 discuss this. The lease says nothing about it. You know, 746 00:40:25.840 --> 00:40:28.119 today you inform me that I can't have visitors. There's 747 00:40:28.159 --> 00:40:30.480 nothing in my lease that says I can't have visitors, 748 00:40:30.760 --> 00:40:33.280 and I consider that to be a breach of the agreement, 749 00:40:33.320 --> 00:40:35.559 and on and on. So that's my advice to you 750 00:40:35.679 --> 00:40:37.880 is to document everything and create a pay per trail. 751 00:40:38.280 --> 00:40:41.119 That way, when something like this happens, you are that 752 00:40:41.239 --> 00:40:44.039 much stronger of a position, and he's that much less 753 00:40:44.119 --> 00:40:46.599 likely to actually want to go pursue this and air 754 00:40:46.679 --> 00:40:48.039 all this dirty laundry in court. 755 00:40:48.119 --> 00:40:50.400 Well, getting back to that security deposit, though he still 756 00:40:50.400 --> 00:40:54.400 has an obligation to inform her why he's holding me. 757 00:40:54.519 --> 00:40:56.760 That's absolutely right a security deposit, and he has to 758 00:40:56.760 --> 00:40:57.400 do that in writing. 759 00:40:57.480 --> 00:41:00.280 He's got thirty days to do that, and it's got less. 760 00:41:00.360 --> 00:41:04.719 Yeah, unless your lease actually says, you know, sixty days, 761 00:41:04.719 --> 00:41:06.199 which can be done with the lease, but it's by 762 00:41:06.199 --> 00:41:08.960 Colorado law, it's thirty and if he fails to do 763 00:41:09.000 --> 00:41:10.679 that within the thirty then you need to put him 764 00:41:10.719 --> 00:41:13.760 on notice that you're going to sue him for trouble 765 00:41:13.840 --> 00:41:17.480 damages without right. So you just are quick to hand 766 00:41:17.480 --> 00:41:18.000 that money out. 767 00:41:18.079 --> 00:41:19.719 You got a lot more power than you think you 768 00:41:19.800 --> 00:41:21.719 have in this position. So I would sit back and 769 00:41:21.760 --> 00:41:23.239 wait see what he does at the end of the 770 00:41:23.280 --> 00:41:26.280 thirty days, or look at your lease about the timeframe 771 00:41:26.320 --> 00:41:28.639 for the security deposit, and if he doesn't send that 772 00:41:28.679 --> 00:41:31.440 back to you or itemize it, give us a shout back. 773 00:41:31.480 --> 00:41:33.480 We can help guide you on exactly how to go 774 00:41:33.519 --> 00:41:37.079 down that road, and we'll deal with it then all right, Priscilla. 775 00:41:37.760 --> 00:41:40.880 Okay, that'd be awesome. And do you guys think it 776 00:41:41.159 --> 00:41:43.719 is it best? The best position for me, just as 777 00:41:43.800 --> 00:41:46.000 little community who as him as possible from here on. 778 00:41:46.079 --> 00:41:48.320 Out to sit tight. Anything you do should be in writing. 779 00:41:48.400 --> 00:41:51.039 Okay, all right, all right, good luck to you, Priscilla, 780 00:41:51.079 --> 00:41:54.079 appreciate the call. We're going to go next to Jason. 781 00:41:54.679 --> 00:41:56.679 Jason has an issue with a front end. 782 00:41:56.719 --> 00:41:56.880 Here. 783 00:41:56.920 --> 00:41:59.119 What's going on on your ford? F three fifty there? 784 00:41:59.199 --> 00:41:59.559 Jason? 785 00:42:00.880 --> 00:42:01.960 How are you doing good? 786 00:42:02.079 --> 00:42:02.280 Hey? 787 00:42:03.800 --> 00:42:09.480 So my tires are wearing wearing really funny. 788 00:42:09.519 --> 00:42:11.280 Towards the outside. 789 00:42:11.760 --> 00:42:13.000 I think it's something wrong. 790 00:42:12.840 --> 00:42:15.079 With the front end of my truck, but I don't 791 00:42:15.480 --> 00:42:16.440 know for sure. 792 00:42:16.480 --> 00:42:19.159 And I was just wondering who I could take it 793 00:42:19.159 --> 00:42:21.920 to the have it diagnosed, and how much of what 794 00:42:22.079 --> 00:42:23.960 cost to have something like that diagnosed? 795 00:42:24.039 --> 00:42:28.119 What kind of vehicle is it? 796 00:42:28.119 --> 00:42:31.239 It's a dually so it's a big it's a big boy. 797 00:42:31.719 --> 00:42:33.519 Is it a crew cab? I mean? Is it long long? 798 00:42:36.159 --> 00:42:36.840 No, it's. 799 00:42:38.400 --> 00:42:41.480 Extended so have the half doors. 800 00:42:41.760 --> 00:42:44.079 Yeah, it's something we could I mean, it could be 801 00:42:44.119 --> 00:42:45.400 ball joints, could be a lot of things. 802 00:42:45.400 --> 00:42:46.559 How many miles are on it? 803 00:42:49.400 --> 00:42:54.239 So one hundred and fifteen thousand, one hundred and sixteen thousand, 804 00:42:54.840 --> 00:42:57.639 but not a ton, but they're all my miles. 805 00:42:57.960 --> 00:43:00.280 Good good, yeah, first thing that comes to line his 806 00:43:00.320 --> 00:43:01.960 ball joints, you know, the wheels are leaning. 807 00:43:02.079 --> 00:43:02.880 You know, you gotta find. 808 00:43:02.800 --> 00:43:06.079 Out why you can get weight on the front end 809 00:43:06.119 --> 00:43:06.360 of that. 810 00:43:06.559 --> 00:43:08.320 Oh yeah, that's a big truck. That's a heavy truck. 811 00:43:08.480 --> 00:43:11.119 So yeah, yeah, she's. 812 00:43:10.480 --> 00:43:13.199 A big girl. Where could I take it to go 813 00:43:13.239 --> 00:43:14.159 get a diagnosed? 814 00:43:14.199 --> 00:43:15.800 And how much was something like that run? 815 00:43:16.119 --> 00:43:18.880 Well, what it would basically be would be an alignment 816 00:43:18.960 --> 00:43:21.679 or an alignment checks, so whatever somebody charges for an alignment, 817 00:43:21.719 --> 00:43:24.440 that's what they would charge you to check it out, 818 00:43:24.639 --> 00:43:26.400 and they should be able to give you an estimate 819 00:43:26.519 --> 00:43:28.960 based on that. But I wouldn't, you know, I wouldn't 820 00:43:28.960 --> 00:43:31.119 ask for a diagnosis. I would ask for an alignment 821 00:43:31.159 --> 00:43:34.239 and let them tell you what they find, right, because 822 00:43:34.239 --> 00:43:36.599 a good alignment shop is can to find loose components. 823 00:43:36.599 --> 00:43:39.039 They're going to find damaged components and things that need 824 00:43:39.079 --> 00:43:42.519 to be replaced, all right, And Kevin the guys can 825 00:43:42.599 --> 00:43:45.039 do that alignment there ye oh okay, yeah, yeah, Jason, 826 00:43:45.079 --> 00:43:47.920 give Kevin call it at the shop. We're Colfax and 827 00:43:47.960 --> 00:43:51.639 Wadsworth basically two blocks west to Wadsworth and Lakewood. 828 00:43:52.119 --> 00:43:54.119 You can look him up at Sheridan Auto Tech dot 829 00:43:54.159 --> 00:43:56.480 com or call him at three oh three four five 830 00:43:56.599 --> 00:44:01.000 five seven two four to two. All right, Jason, perfect, 831 00:44:01.159 --> 00:44:03.599 thank ry, good luck to Thanks for the call. We're 832 00:44:03.599 --> 00:44:05.559 gonna take another quick break here. When we come back, 833 00:44:05.599 --> 00:44:08.920 we're going to talk to Dennis about his F one 834 00:44:09.000 --> 00:44:11.480 fifty and we'll be able to take your calls as well, 835 00:44:11.519 --> 00:44:13.400 So hang on just a second. 836 00:44:18.199 --> 00:44:21.440 Go with a sure thing Denver's best roofer Excel Roofing 837 00:44:21.559 --> 00:44:22.159 dot com. 838 00:44:22.199 --> 00:44:25.440 You don't pay a cent until you're content than. 839 00:44:27.559 --> 00:44:30.760 Time for an insurance check up free no obligation comparison 840 00:44:30.880 --> 00:44:34.440 call Compass Insurance paying too much your coverage at dozens 841 00:44:34.480 --> 00:44:37.199 of insurance companies find out now three o three seven 842 00:44:37.199 --> 00:44:37.800 to seven to one. 843 00:44:37.880 --> 00:44:38.159 Help. 844 00:44:38.320 --> 00:44:40.960 You'll think you're his only customer when you choose Frank 845 00:44:41.039 --> 00:44:43.480 Durand the real estate Man dot com to list your 846 00:44:43.519 --> 00:44:46.679 home with Remax Alliance three oh three nine two zero 847 00:44:46.760 --> 00:44:54.760 sixteen twenty two. 848 00:44:55.119 --> 00:44:57.960 All right, Good afternoon, John Fuller here on the Troubleshooter Network. 849 00:44:58.000 --> 00:45:02.199 We are talking with Chasing right now. I think we 850 00:45:02.280 --> 00:45:05.960 finished up with Jason. We're talking with Dennis. Now, Dennis, 851 00:45:06.000 --> 00:45:08.719 you've got something going on with your F one fifty. 852 00:45:08.760 --> 00:45:10.599 What is happening in Dennis? 853 00:45:12.039 --> 00:45:12.480 Well, I. 854 00:45:14.400 --> 00:45:17.119 Took my truck to SAAL's Auto Tech last year and 855 00:45:17.239 --> 00:45:21.159 had a motor put in it twenty one thousand dollars 856 00:45:21.400 --> 00:45:24.760 and it hasn't stopped leaking since I've taken it back 857 00:45:25.159 --> 00:45:27.679 seven times. If I take it back again, this will 858 00:45:27.719 --> 00:45:32.559 be the eight time. It cost me probably ten thousand 859 00:45:32.599 --> 00:45:38.280 dollars almost in rental fees. And I've just cook it 860 00:45:38.320 --> 00:45:41.920 to a Sheridan Auto Tech and Isaiah looked at it 861 00:45:41.960 --> 00:45:45.400 and he showed me it's spitting oil all over the place. 862 00:45:46.119 --> 00:45:48.960 And I don't know about taking it back to the guy. 863 00:45:49.000 --> 00:45:51.480 I don't have no confidence in him. Can I get 864 00:45:51.519 --> 00:45:55.159 my money back for anything? For a shoddy job? And 865 00:45:55.800 --> 00:45:58.119 I mean, it's just cost me more money every time 866 00:45:58.159 --> 00:45:59.880 I take it back there because I got to pay 867 00:46:00.039 --> 00:46:03.679 for the rental car. They said it was going to 868 00:46:03.719 --> 00:46:05.840 split the rental fee with me. When I called to 869 00:46:05.880 --> 00:46:09.679 see why that charged me three thousand dollars for a 870 00:46:09.719 --> 00:46:12.639 rental car. That rick was one hundred and ninety nine 871 00:46:12.679 --> 00:46:16.719 dollars a day. I mean dude, that's crazy. 872 00:46:17.639 --> 00:46:19.639 Did you rent it from Sawsy. 873 00:46:19.199 --> 00:46:20.119 That every time? 874 00:46:21.239 --> 00:46:21.800 Excuse me? 875 00:46:21.960 --> 00:46:24.440 Are you renting that car from Saul's Auto Tech? 876 00:46:26.360 --> 00:46:29.639 No, it's from Going Rentals who they recommended, and that 877 00:46:29.800 --> 00:46:32.119 they recommended me to have. I had it towed up 878 00:46:32.119 --> 00:46:35.239 and they recommended the toe they did. You know they 879 00:46:35.400 --> 00:46:38.840 will reimburse you never reimburse me for that. And then 880 00:46:38.880 --> 00:46:41.920 I want to talk to Saul because you know, this 881 00:46:42.000 --> 00:46:44.599 is just shot at work and his guy says, oh, 882 00:46:44.639 --> 00:46:48.719 he had knee surgery and he's really he can't what 883 00:46:49.079 --> 00:46:52.119 knee surgery has nothing to do with you nailing or talk. 884 00:46:52.679 --> 00:46:53.920 Let's try to unpack this then. 885 00:46:54.079 --> 00:46:56.039 Is is it the same issue every time that you 886 00:46:56.119 --> 00:46:57.519 go back to Saul's Auto Tech? 887 00:46:57.599 --> 00:46:59.320 Or is it something different each time? 888 00:47:01.119 --> 00:47:04.639 Well, it's been there's been something. It's been something with 889 00:47:04.719 --> 00:47:07.199 the warranty of the motor. Last time I took it back, 890 00:47:07.639 --> 00:47:09.519 they said it would be I took it back because 891 00:47:09.559 --> 00:47:10.400 the check engine light. 892 00:47:10.519 --> 00:47:10.760 Again. 893 00:47:10.880 --> 00:47:13.519 The fourth time they said it was the intercooler and 894 00:47:13.559 --> 00:47:16.719 the inter cooler wasn't under warranty. Cost me twenty eight 895 00:47:16.800 --> 00:47:21.280 hundred dollars. And when I took it now to Kevin Shop, 896 00:47:21.320 --> 00:47:25.960 there shardan AutoZone. Isaiah showed me they used silicone in 897 00:47:26.920 --> 00:47:30.119 probably like ten places where it should have been gaskets, 898 00:47:30.320 --> 00:47:32.840 all right, and that's why it's spitting oil all over 899 00:47:32.880 --> 00:47:33.280 the place. 900 00:47:33.440 --> 00:47:36.400 Let's turn it over to Kevin here. What is going 901 00:47:36.440 --> 00:47:37.599 on with Dennis's truck? 902 00:47:38.480 --> 00:47:40.400 Well, from what they told me, I didn't see it. 903 00:47:40.440 --> 00:47:43.920 Obviously is there today, but it is. They're not doing 904 00:47:43.960 --> 00:47:47.639 it properly because some areas you cannot use silicone because 905 00:47:47.639 --> 00:47:50.239 of heat. It has to have a gasket, right, you know, 906 00:47:50.280 --> 00:47:52.360 an oil feed tube on a turbo. You can't put 907 00:47:52.400 --> 00:47:54.639 silicon on. It's not going to hold up right. Well, 908 00:47:54.639 --> 00:47:56.880 it's not so it's it's leaking. It's just it's just 909 00:47:56.920 --> 00:47:57.639 shoddy work. 910 00:47:58.400 --> 00:47:58.599 You know. 911 00:47:58.760 --> 00:48:01.119 The motor probably you know, may need to come out, 912 00:48:01.840 --> 00:48:05.119 may need to come out to be resealed properly. You know, 913 00:48:05.360 --> 00:48:07.320 a lot of times it's easier to pull the motor 914 00:48:07.440 --> 00:48:09.679 than that. Do you know you said you got a warranty. 915 00:48:09.719 --> 00:48:11.960 Did Saul's rebuild it or did they buy it from 916 00:48:12.000 --> 00:48:13.119 somebody and install it? 917 00:48:14.960 --> 00:48:17.960 They were supposed to be bought, But I almost think 918 00:48:18.000 --> 00:48:21.360 that they tried rebuilding it because it's never it's never 919 00:48:21.559 --> 00:48:25.639 run like a rebuilt engine. It ran like you know, 920 00:48:25.800 --> 00:48:28.199 it just there was always something wrong with it. 921 00:48:28.440 --> 00:48:31.360 Because the warranty should you should if they did purchase it, 922 00:48:31.360 --> 00:48:34.079 because we buy motors all the time, you know, to install, 923 00:48:34.119 --> 00:48:36.760 and they have nationwide warranties. So we supply the customer 924 00:48:36.880 --> 00:48:40.920 with Jasper for examples one or LKQ, and they'll have 925 00:48:40.960 --> 00:48:43.960 a three year, four year warranty that they can go anywhere. 926 00:48:44.000 --> 00:48:45.639 They don't have to come back to us, you know, 927 00:48:45.639 --> 00:48:48.599 if they're traveling what have you. So if you can 928 00:48:48.639 --> 00:48:51.320 find out who they purchased it from and who the 929 00:48:51.360 --> 00:48:53.440 warranty is, we may be able to help you with that. 930 00:48:55.119 --> 00:48:59.239 Yeah, what they did is I guess it's once they 931 00:48:59.280 --> 00:49:02.519 put the motor in and I took it back because 932 00:49:02.559 --> 00:49:05.320 it was still leaking oil. Then supposedly they had to 933 00:49:05.360 --> 00:49:10.079 get back with the manufacturer and get another one, another 934 00:49:10.159 --> 00:49:11.760 motor supposedly. 935 00:49:11.400 --> 00:49:13.400 So you think they're on the you're on the third 936 00:49:13.440 --> 00:49:14.360 motor in this truck. 937 00:49:17.320 --> 00:49:20.159 Does I think I'm on the second placement motor from 938 00:49:20.280 --> 00:49:25.119 salce right, would see, I'm not getting I'm not getting 939 00:49:25.159 --> 00:49:27.920 any information. Like I took it back one time, I'd 940 00:49:27.960 --> 00:49:30.639 lost I had no power. I took it back and 941 00:49:31.079 --> 00:49:33.320 I started driving in over there, and next thing you know, 942 00:49:33.480 --> 00:49:36.199 it's just blowing black smoke out to the exhaust. They 943 00:49:36.239 --> 00:49:39.159 have no throttle, So they had it for ten weeks. 944 00:49:39.199 --> 00:49:40.519 They never told me what they. 945 00:49:40.400 --> 00:49:42.480 Did to it ten weeks, and. 946 00:49:42.440 --> 00:49:47.239 When I asked them ten weeks, I mean they've had 947 00:49:47.239 --> 00:49:50.920 it for eight weeks, ten weeks, four weeks, you know, 948 00:49:51.079 --> 00:49:54.519 after this motor installation. That's what I'm saying. They're killing 949 00:49:54.559 --> 00:49:55.280 me on rents. 950 00:49:55.440 --> 00:49:57.760 So let me make sure I understand this, Dennis. 951 00:49:57.800 --> 00:50:00.360 Are they are they blaming this on the WA warranty 952 00:50:00.480 --> 00:50:02.599 company for why it takes ten weeks to get you 953 00:50:03.000 --> 00:50:05.360 something done? Or I mean, why is it taking so 954 00:50:05.519 --> 00:50:08.400 long every time for you to get your truck back out? 955 00:50:10.400 --> 00:50:12.559 Well, I notice when I go to his shop, there's 956 00:50:12.639 --> 00:50:15.280 probably fifty cars around that shop. 957 00:50:16.039 --> 00:50:17.079 And I did notice. 958 00:50:17.360 --> 00:50:19.679 I did read the reviews the other day, and there's 959 00:50:19.719 --> 00:50:23.119 a lot of no good reviews. So I probably should 960 00:50:23.159 --> 00:50:24.360 have done that in the beginning. 961 00:50:24.480 --> 00:50:25.960 But you know, I. 962 00:50:27.960 --> 00:50:30.199 Know, but I'm trying to figure out. Is the issue 963 00:50:31.440 --> 00:50:35.199 a dispute between essentially you and the warranty company, or 964 00:50:35.280 --> 00:50:39.119 is it that Sauls keeps doing crappy work, and the 965 00:50:39.119 --> 00:50:41.159 warranty company it just keeps paying for it. 966 00:50:43.320 --> 00:50:44.559 Well, they're. 967 00:50:45.920 --> 00:50:50.440 Taking it back for the leaks, and they're doing whatever 968 00:50:50.519 --> 00:50:53.760 they're doing, putting more silicon, but they're not stopping the leak. 969 00:50:54.119 --> 00:50:56.440 A day later, I get my truck back after ten 970 00:50:56.519 --> 00:50:59.039 weeks is still leaking oil. And then I have to 971 00:50:59.079 --> 00:51:01.400 call them and thw them hey, you know, and they're like, well, 972 00:51:01.920 --> 00:51:04.159 you know, we bring you back. And then I told 973 00:51:04.400 --> 00:51:07.480 I texted all because, like I said, he won't call me. 974 00:51:07.800 --> 00:51:09.599 I texted him and said, who do I need to call? 975 00:51:09.719 --> 00:51:13.280 Tom Martino, a lawyer, see say crue and he goes. 976 00:51:13.440 --> 00:51:16.960 He responded, you can text whoever you want to get 977 00:51:17.039 --> 00:51:20.079 a little feeling satisfied or your mind satisfied. 978 00:51:20.159 --> 00:51:23.119 But I stand by my work, and I'm like, okay, 979 00:51:23.320 --> 00:51:23.840 so what. 980 00:51:23.719 --> 00:51:25.440 Do we do here, Kevin? I mean, is this really 981 00:51:25.480 --> 00:51:26.719 a warranty company issue? 982 00:51:27.079 --> 00:51:29.559 It can be because Dimitri and I have been working. 983 00:51:29.760 --> 00:51:31.840 It took us a month to get there, but we 984 00:51:31.920 --> 00:51:34.199 took it from another shop, didn't take the customer, brought 985 00:51:34.239 --> 00:51:36.559 it to us. We found out who they purchased the 986 00:51:36.559 --> 00:51:38.960 motor from, and we follow the claim. Well, we finally 987 00:51:38.960 --> 00:51:40.480 got it approved. They're going to send us a new 988 00:51:40.480 --> 00:51:43.480 motor to take care of this for this guy. So 989 00:51:43.599 --> 00:51:45.559 that's why I'm asking if he can find out who 990 00:51:45.599 --> 00:51:46.280 they bought. 991 00:51:46.039 --> 00:51:46.800 The motor from. 992 00:51:47.320 --> 00:51:50.119 Where is the warranty? Is it with the Jasper, is 993 00:51:50.119 --> 00:51:54.239 it with LKQ? Who is There's only a couple big manufacturers, 994 00:51:54.920 --> 00:51:55.840 So find that out. 995 00:51:56.000 --> 00:51:56.480 Yeah, I can. 996 00:51:56.639 --> 00:51:59.360 I can call I'm sorry, Kevin, I can call. 997 00:51:59.280 --> 00:52:01.280 Him and tell him. But he did tell me I 998 00:52:01.280 --> 00:52:04.480 had a three year, thirty thousand my warranty. 999 00:52:04.559 --> 00:52:07.360 Yeah, that's standard, right, find out who it's with and 1000 00:52:07.400 --> 00:52:09.840 we can transfer to us and we'll get we'll see 1001 00:52:09.840 --> 00:52:11.800 if we can get you taken care of that way. 1002 00:52:12.440 --> 00:52:15.079 You know you're not getting it from him obviously, so 1003 00:52:15.079 --> 00:52:16.320 I wouldn't go back way. 1004 00:52:16.599 --> 00:52:18.880 Yeah, And I mean when I've seen he showed me 1005 00:52:19.000 --> 00:52:21.320 silicone on the valve cover gaskets. 1006 00:52:21.440 --> 00:52:23.199 Yep, that's that's. 1007 00:52:23.119 --> 00:52:27.760 Like something an apprentice mechanic might try. 1008 00:52:27.559 --> 00:52:27.760 You know. 1009 00:52:28.400 --> 00:52:29.000 I agree. 1010 00:52:29.400 --> 00:52:32.039 So so all right, well, Dennis, get us that information. 1011 00:52:32.159 --> 00:52:35.519 We need to know who the manufacturer of the motor 1012 00:52:35.719 --> 00:52:37.519 was or where they got the motor from and the 1013 00:52:37.559 --> 00:52:38.320 warranty company. 1014 00:52:38.360 --> 00:52:39.719 That's that's going on here. 1015 00:52:40.079 --> 00:52:42.079 If you get that information and get back to us 1016 00:52:42.159 --> 00:52:44.559 or get it to Kevin at the shop since that's 1017 00:52:44.559 --> 00:52:47.480 where your your vehicle is and and we'll try to 1018 00:52:47.480 --> 00:52:48.960 help you. We'll try to work through and get a 1019 00:52:48.960 --> 00:52:49.639 solution for you. 1020 00:52:49.679 --> 00:52:53.320 Okay, all right, all right, I didn't leave my truck 1021 00:52:53.400 --> 00:52:56.960 at the shop because I got to work. 1022 00:52:57.079 --> 00:52:59.360 Yeah, but you know where it is in the information. 1023 00:52:59.480 --> 00:52:59.840 I'll call. 1024 00:53:00.079 --> 00:53:02.960 I'll call the I'll call Isaiah with the information just 1025 00:53:03.000 --> 00:53:03.880 as soon as I can. 1026 00:53:03.800 --> 00:53:06.480 Get it good, He'll take care of it, all right, perfect, perfect, 1027 00:53:06.719 --> 00:53:08.880 all right, Thanks for the call, Dennis. We appreciate it 1028 00:53:09.440 --> 00:53:11.519 so as you can hear. This is car day to day. 1029 00:53:11.519 --> 00:53:13.320 We're trying to work through your issues. So give us 1030 00:53:13.360 --> 00:53:15.239 a call. We've got open lines right now. The phone 1031 00:53:15.280 --> 00:53:19.000 number is three three seven one three eight two five five. 1032 00:53:19.679 --> 00:53:22.079 When we come back in just a moment, we're going 1033 00:53:22.159 --> 00:53:24.599 to revisit an issue from yesterday. We had a caller 1034 00:53:24.679 --> 00:53:27.920 that had a warranty issue with a Sharpest Rides vehicle 1035 00:53:27.960 --> 00:53:30.360 that we're gonna we're going to talk to Dimitri Vale 1036 00:53:30.400 --> 00:53:33.239 and then we're still going to discuss that that nasty 1037 00:53:33.360 --> 00:53:40.440 arbitration provision and the warranty provision that mister Endurance warranty 1038 00:53:40.519 --> 00:53:43.039 contract is setting out there. 1039 00:53:42.920 --> 00:53:44.679 So we'll be right back after this break. 1040 00:53:49.639 --> 00:53:52.920 Go with a sure thing Denver's Best roofer Excel Roofing 1041 00:53:53.000 --> 00:53:55.639 dot com. You don't pay a cent until you're content. 1042 00:53:59.039 --> 00:54:02.239 Time for an insurance check up free, no obligation. In comparison, 1043 00:54:02.360 --> 00:54:05.920 call Compass Insurance paying too much your coverage at dozens 1044 00:54:05.920 --> 00:54:08.679 of insurance companies find out now three all three seven 1045 00:54:08.760 --> 00:54:11.760 seven one help. You'll think you're his only customer when 1046 00:54:11.800 --> 00:54:14.280 you choose Frank durand the real estate Man dot com 1047 00:54:14.280 --> 00:54:17.400 to list your home with Remax Alliance three all three 1048 00:54:17.480 --> 00:54:28.639 nine two zero sixteen twenty two. 1049 00:54:29.599 --> 00:54:32.400 All right, good afternoon, John Fuller here on the Troubleshooter Network. 1050 00:54:32.440 --> 00:54:35.840 We are right in the middle of car day and 1051 00:54:36.440 --> 00:54:38.599 so that means we're here. We've got experts in the house. 1052 00:54:38.639 --> 00:54:41.559 We have Jeffick and Kevin Colkin that are here to 1053 00:54:41.559 --> 00:54:45.960 help answer your questions all things cars, maintenance, fixing, buying, 1054 00:54:46.079 --> 00:54:48.639 selling value. Anything you have on your mind that you 1055 00:54:48.639 --> 00:54:51.199 want to talk about. Give us a call. The number 1056 00:54:51.239 --> 00:54:53.519 is seven one three eight two five five. That's Aeracode 1057 00:54:53.519 --> 00:54:56.000 three O three seven one three eight two fivey five. 1058 00:54:56.320 --> 00:54:57.880 You can also get a hold of us at help 1059 00:54:57.920 --> 00:55:01.159 at troubleshooter dot com. If you'd like to reach out 1060 00:55:01.159 --> 00:55:03.559 to us, we're glad to help you out. So one 1061 00:55:03.599 --> 00:55:05.039 of the things we like to do on the show 1062 00:55:05.159 --> 00:55:07.920 is follow up on previous callers and kind of give 1063 00:55:07.960 --> 00:55:09.840 the rest of the story and what the outcome of 1064 00:55:09.880 --> 00:55:12.360 things are. And we had a young lady call us 1065 00:55:12.400 --> 00:55:14.280 the other day. I think her name was Lissa or 1066 00:55:14.320 --> 00:55:16.000 Lisa was it is? 1067 00:55:16.840 --> 00:55:20.239 Well, Lisa was with an apartment full of cockroa. Oh yeah, yeah, 1068 00:55:20.280 --> 00:55:22.719 that was You might be thinking of Marie, her by 1069 00:55:22.760 --> 00:55:24.360 car from the Sharpest Ride. 1070 00:55:24.519 --> 00:55:27.079 He did, and she called us and expressed that she 1071 00:55:27.199 --> 00:55:30.280 was having transmission problems and was getting no luck on 1072 00:55:30.360 --> 00:55:33.719 getting the transmission fixed under the warranty that she had 1073 00:55:33.719 --> 00:55:37.480 bought from the Sharpest Rides. And so Deputy Dimitri was 1074 00:55:37.559 --> 00:55:39.639 kind enough to step in. I'll let him pick up 1075 00:55:39.679 --> 00:55:41.000 the story where I left off. 1076 00:55:41.239 --> 00:55:44.079 Well, the story gets even more interesting. So a couple 1077 00:55:44.159 --> 00:55:47.039 of days ago, the Sharpest Rides actually traded her out 1078 00:55:47.039 --> 00:55:52.039 of that car what into a different used car, and 1079 00:55:52.559 --> 00:55:55.960 so at no additional costs, but they just transferred the 1080 00:55:56.000 --> 00:55:59.360 financing and the deposit into this new Infinity used Infinity 1081 00:55:59.400 --> 00:56:00.000 that she just got. 1082 00:56:00.480 --> 00:56:03.360 Okay, so I asked Marie, my. 1083 00:56:03.320 --> 00:56:05.639 First question was did you get the car inspected before 1084 00:56:05.639 --> 00:56:08.639 you signed the paperwork? And she said, well, the Sharpest 1085 00:56:08.719 --> 00:56:15.199 Rides did an inspection. H My reaction exactly John, and 1086 00:56:15.400 --> 00:56:19.679 that day, Yeah, it passed. Well, it passed because what 1087 00:56:19.880 --> 00:56:23.119 she then followed up with saying, well, it was a 1088 00:56:23.199 --> 00:56:28.320 safety inspection. So that passed, and they declined to do 1089 00:56:28.559 --> 00:56:31.480 like the type of mechanical inspection that we typically recommend, 1090 00:56:31.480 --> 00:56:34.239 the pre purchase inspection, because they said, well, there's no 1091 00:56:34.480 --> 00:56:37.559 trouble codes that are available and so there's no need 1092 00:56:37.639 --> 00:56:41.480 to do a mechanical inspection. So I'm paraphrasing what Marie 1093 00:56:41.519 --> 00:56:43.920 told us. So that was a couple of days ago. Now, 1094 00:56:43.960 --> 00:56:47.119 not surprisingly, the car now has a check engine light 1095 00:56:47.880 --> 00:56:51.880 and it's got some unknown mechanical problems. So I did 1096 00:56:51.960 --> 00:56:54.840 invite Marie and she agreed to call us to call 1097 00:56:54.920 --> 00:56:57.079 us again to kind of update us on what these 1098 00:56:57.159 --> 00:57:00.599 latest problems are and whether or not she would like 1099 00:57:00.679 --> 00:57:03.599 us to help in one of two ways. One is 1100 00:57:03.639 --> 00:57:06.599 to see if we can get Sharpest Rides to cover 1101 00:57:06.679 --> 00:57:09.119 these repairs under their warranty. I did get a copy 1102 00:57:09.119 --> 00:57:11.480 of the sales contract and so warranty is in there, 1103 00:57:11.960 --> 00:57:15.559 and it appears to be an in house warranty, and 1104 00:57:15.559 --> 00:57:17.280 it also appears to be in house financing. 1105 00:57:17.320 --> 00:57:21.000 Which how much money are these cars costing her that 1106 00:57:21.039 --> 00:57:22.320 they're trading her in and out of? 1107 00:57:22.519 --> 00:57:27.840 Yeah, so their value priced vehicles, as you can imagine, 1108 00:57:28.360 --> 00:57:31.800 And she had five thousand dollars down with a total 1109 00:57:31.840 --> 00:57:36.360 purchase price of sixteen something. And that includes a whole 1110 00:57:36.440 --> 00:57:39.320 bunch of there's like a gap insurance, which I was 1111 00:57:39.400 --> 00:57:42.440 very surprised to see on such an old, low value car. 1112 00:57:43.079 --> 00:57:47.280 It includes electronic filing fee, doc fee, stuff like that. 1113 00:57:47.400 --> 00:57:49.960 So it came to a little over sixteen thousand. So 1114 00:57:50.320 --> 00:57:53.400 the two, you know, the two solutions that I can 1115 00:57:53.480 --> 00:57:57.159 imagine are we either help her get sharpest rides to 1116 00:57:57.199 --> 00:57:59.920 repair this vehicle and bring it back up to normal standards. 1117 00:58:00.440 --> 00:58:02.519 Or and this would be my preferred way, just to 1118 00:58:02.559 --> 00:58:05.280 get them to agree, just to undo the whole deal, 1119 00:58:05.840 --> 00:58:08.280 give her all her money back, take the car back, 1120 00:58:08.400 --> 00:58:10.800 and just everybody goes their own ways and she can 1121 00:58:10.840 --> 00:58:12.320 go look for a car somewhere else. 1122 00:58:12.880 --> 00:58:16.920 Now, are you gonna you're gonna broach that proposal to them? 1123 00:58:17.039 --> 00:58:18.000 Or are you gonna help her? 1124 00:58:18.239 --> 00:58:18.440 Yeah? 1125 00:58:18.480 --> 00:58:21.159 I wanted to see I was hoping that we'd have 1126 00:58:21.199 --> 00:58:23.199 her on the air right now, Killy, if you get 1127 00:58:23.239 --> 00:58:25.400 a chance, give her a shout. She did agree to 1128 00:58:25.440 --> 00:58:28.000 come on the air and get her to leave. The 1129 00:58:28.280 --> 00:58:32.360 potential solution the choice of these two solutions to Marie. 1130 00:58:32.480 --> 00:58:34.599 Before let's say, if we can get Marie on the line, 1131 00:58:34.679 --> 00:58:38.000 I want to talk to experts here about Yeah, just 1132 00:58:38.039 --> 00:58:41.679 a second, what exactly? I mean, what do you do 1133 00:58:41.760 --> 00:58:44.119 in a car inspection? What do people need to be 1134 00:58:44.239 --> 00:58:48.880 worried about? Like they can't they just reset like check 1135 00:58:48.920 --> 00:58:51.199 engine lights and a lot of times they'll just stay 1136 00:58:51.199 --> 00:58:52.199 off for a couple of days. 1137 00:58:52.199 --> 00:58:55.559 I mean, but what they call the monitors inside the 1138 00:58:55.639 --> 00:58:58.880 system need to reset, and that's by driving after you've 1139 00:58:58.880 --> 00:58:59.480 cleared the light. 1140 00:58:59.679 --> 00:59:00.239 Okay. 1141 00:59:00.280 --> 00:59:02.400 So if we get in and there's no codes, but 1142 00:59:02.440 --> 00:59:05.559 the monitors are not set, well we know they cleared 1143 00:59:05.559 --> 00:59:08.000 the codes, okay, and that's just the red flag. So 1144 00:59:08.360 --> 00:59:11.840 it's not like there you don't clear codes for no reason, right, 1145 00:59:11.960 --> 00:59:13.679 So I mean talk to us. 1146 00:59:13.639 --> 00:59:17.039 About what what is what does an inspection entail? Like, 1147 00:59:17.079 --> 00:59:19.199 what do you do? What are you looking for? What 1148 00:59:19.360 --> 00:59:22.440 can a buyer rely upon after they've had a car 1149 00:59:22.559 --> 00:59:25.360 inspected that they wouldn't get just yeah. 1150 00:59:25.199 --> 00:59:26.199 It's it's very thorough. 1151 00:59:26.239 --> 00:59:28.840 I mean, we first off as safety, you know, we 1152 00:59:28.960 --> 00:59:32.360 look front end brakes, you know, things like that, lights, 1153 00:59:32.880 --> 00:59:35.400 check to make sure it's not been wrecked. You can 1154 00:59:35.440 --> 00:59:37.519 tell from the underside if it's been in a wreck 1155 00:59:37.599 --> 00:59:41.039 or most of the time you can of course, electronics. 1156 00:59:41.079 --> 00:59:43.800 You pluck scanners in, run all the all the modules. 1157 00:59:43.880 --> 00:59:47.440 You know, some cars have up to fifteen modules, and 1158 00:59:47.440 --> 00:59:50.480 then leaks leaks are notorious in a lot of cars, 1159 00:59:50.519 --> 00:59:52.079 transmission leaks, engine leaks. 1160 00:59:52.079 --> 00:59:53.280 It's it's very very thorough. 1161 00:59:54.079 --> 00:59:56.039 How how does it work? 1162 00:59:56.199 --> 00:59:59.719 I mean, do these dealerships let the potential buyer bring 1163 00:59:59.800 --> 01:00:02.079 it to you or you go there? 1164 01:00:02.079 --> 01:00:03.920 They come to us, they come down and most of 1165 01:00:03.960 --> 01:00:05.880 them the dealers are yeah, you'll go get it checked. 1166 01:00:05.920 --> 01:00:08.280 They're they're open to it, you know, and if they're not, 1167 01:00:08.360 --> 01:00:09.639 I tell that people don't buy it. 1168 01:00:10.079 --> 01:00:12.440 Well, yeah, that's your first red flag. Yeah, sure, that's 1169 01:00:12.440 --> 01:00:15.679 the biggest. So how much can somebody anticipate spending to 1170 01:00:15.719 --> 01:00:18.679 get a good comprehensive inspection, and I know it probably varies. 1171 01:00:18.960 --> 01:00:20.679 Does we cap it at one twenty? 1172 01:00:20.960 --> 01:00:21.239 Really? 1173 01:00:21.280 --> 01:00:22.760 Yeah, it's reasonable, get it done. 1174 01:00:22.880 --> 01:00:26.360 Wow, that's super anticipation in the hope that they'll appreciate 1175 01:00:26.360 --> 01:00:28.039 the service and come back and have some of the 1176 01:00:28.079 --> 01:00:30.880 work done. I'll be honest, we're you know, we're just 1177 01:00:30.920 --> 01:00:32.719 trying to put our sticker on the car and get 1178 01:00:32.719 --> 01:00:34.519 our face in front of new customers. And you know, 1179 01:00:34.559 --> 01:00:35.719 but one twenty is a bargain. 1180 01:00:36.199 --> 01:00:38.039 I think so too, Jeff, do you ever do those? 1181 01:00:38.079 --> 01:00:41.880 Well, you know, since we're transmission specialists, we typically focus 1182 01:00:42.199 --> 01:00:43.960 only on the drive train, right, you know, if we 1183 01:00:44.000 --> 01:00:46.000 do see some other red flags pop up or something 1184 01:00:46.039 --> 01:00:48.079 like that, you know, but the customer knows that when 1185 01:00:48.079 --> 01:00:50.199 you're coming in, we're not going to be popping wheels. 1186 01:00:50.199 --> 01:00:52.760 We're not checking brakes like Kevin does. That's just outside 1187 01:00:52.800 --> 01:00:55.840 of our wheelhouse. So yeah, we'll focus on the transmission. 1188 01:00:55.920 --> 01:00:57.440 Like he says, we're going to be looking for codes, 1189 01:00:57.480 --> 01:01:00.079 We're going to be looking at the fluid, the fluid quality, 1190 01:01:00.199 --> 01:01:02.400 not there's any evidence of any contaminant in it. The 1191 01:01:02.480 --> 01:01:04.960 same thing with the transfercation to differentials. 1192 01:01:06.280 --> 01:01:09.639 I mean, I'm guessing the answer is all cars. But 1193 01:01:09.719 --> 01:01:12.920 I mean, is there a threshold where it just becomes 1194 01:01:12.960 --> 01:01:15.559 almost imperative that you get one checked out? Like it's 1195 01:01:15.559 --> 01:01:17.599 it just when it's getting to the end of the 1196 01:01:17.599 --> 01:01:19.760 warranty and you're fixing to be solo on this that 1197 01:01:19.840 --> 01:01:22.559 it becomes critical or what are your thoughts on that. 1198 01:01:22.639 --> 01:01:23.599 There's some things. 1199 01:01:23.760 --> 01:01:26.639 I mean, people give car dealers credit for knowing how 1200 01:01:26.679 --> 01:01:30.199 cars even work, and they don't. I'll be honest. They're 1201 01:01:30.239 --> 01:01:33.880 salespeople and that's what they do, and they're not trying 1202 01:01:33.880 --> 01:01:36.360 to deceive people. I think most of the time they 1203 01:01:36.400 --> 01:01:40.119 don't even know what's wrong with the cars. So but 1204 01:01:40.239 --> 01:01:42.599 I would be I would expect every single I mean, 1205 01:01:42.639 --> 01:01:45.360 the more expensive, the more you want to serve. You know, well, 1206 01:01:45.360 --> 01:01:47.519 and we're getting into a used vehicle, and I don't 1207 01:01:47.519 --> 01:01:49.559 care if you go a seemingly low mileage. You know 1208 01:01:49.559 --> 01:01:51.480 it's only got thirty five thousand miles on it. Well 1209 01:01:51.480 --> 01:01:54.280 that's great, but you don't have any idea how the 1210 01:01:54.360 --> 01:01:57.400 last guy actually treated this car, how we maintained the car. 1211 01:01:58.239 --> 01:02:00.679 There's a lot of things that can go wrong with time. 1212 01:02:00.800 --> 01:02:03.079 We talked about earlier too. Is run a car fax. 1213 01:02:03.719 --> 01:02:06.599 It sounds so simple, but I was trying to shop 1214 01:02:06.679 --> 01:02:10.239 for a cheaper car from my girlfriend's granddaughter and three 1215 01:02:10.239 --> 01:02:12.239 out of five cars had the odos changed. 1216 01:02:12.599 --> 01:02:13.760 Does that really happen. 1217 01:02:14.159 --> 01:02:16.400 I didn't think it did, but we ran into three 1218 01:02:16.440 --> 01:02:18.039 of them where the miles was as much as one 1219 01:02:18.119 --> 01:02:19.239 hundred thousand miles. 1220 01:02:19.360 --> 01:02:21.760 Les h, How did they change that these days? I 1221 01:02:21.840 --> 01:02:24.079 thought that was all so computerized out that. 1222 01:02:24.119 --> 01:02:27.559 They just changed the cluster. Really, yeah, you can do it, 1223 01:02:28.039 --> 01:02:30.519 so certain guys can program it. But yeah, three out 1224 01:02:30.559 --> 01:02:34.199 of five cars, the odometers will rolled back from over 1225 01:02:34.239 --> 01:02:36.280 two hundred thousand to just over one hundred. 1226 01:02:37.159 --> 01:02:37.599 Wow. 1227 01:02:37.719 --> 01:02:39.960 And they're private, They're not car dealers doing this. I'm 1228 01:02:39.960 --> 01:02:42.239 not ac choosing dealers, but I mean, if you're looking 1229 01:02:42.280 --> 01:02:45.000 at a car, get the VN, pay the thirty five 1230 01:02:45.039 --> 01:02:45.960 bucks and run a. 1231 01:02:45.920 --> 01:02:47.320 Car fact and car facts. 1232 01:02:47.599 --> 01:02:49.880 I mean, for whatever it's worth, they at least have 1233 01:02:50.079 --> 01:02:52.840 milestones where stuff was done to that car, so you 1234 01:02:52.880 --> 01:02:55.079 know if an oil change was done. You don't care 1235 01:02:55.119 --> 01:02:57.519 so much that the oil change was done. You just 1236 01:02:57.599 --> 01:03:01.360 care that it's in chronological sequence to the miles going up, 1237 01:03:01.360 --> 01:03:03.880 and then all of a sudden something shows up. You're 1238 01:03:03.920 --> 01:03:04.400 like bingo. 1239 01:03:04.559 --> 01:03:07.000 We now know westwards in Utah in June with two 1240 01:03:07.119 --> 01:03:09.719 hundred thousand ounced in Colorado and September with one hundred 1241 01:03:09.760 --> 01:03:13.599 and five, how many owners were leave that's how many wrecks. 1242 01:03:13.840 --> 01:03:15.719 You know, how many accidents has it had. 1243 01:03:16.079 --> 01:03:20.599 I can tell stories. I've got an old case many 1244 01:03:20.639 --> 01:03:27.119 moons ago where the Russians in Denver were taking cars 1245 01:03:27.159 --> 01:03:31.639 and disassembling them and then you know, doing these insurance 1246 01:03:31.880 --> 01:03:34.760 scams and claiming that they were stolen, and they would 1247 01:03:34.800 --> 01:03:37.159 take the chassis out, just park them in the middle 1248 01:03:37.159 --> 01:03:41.280 of the street on some subdivision Denver. Would eventually find them, 1249 01:03:41.760 --> 01:03:44.719 take the chassis to Clodes or co Parts or something. 1250 01:03:45.239 --> 01:03:47.760 They'd go and buy the damn chassis back at the auction, 1251 01:03:48.199 --> 01:03:51.719 put the same car back together, same exact car, with 1252 01:03:51.800 --> 01:03:54.800 the same parts, and then they had figured out how 1253 01:03:54.840 --> 01:03:57.079 they could take it. I think, if I remember correctly, 1254 01:03:57.119 --> 01:04:00.280 that if you took it and reregistered in like I ho, 1255 01:04:01.079 --> 01:04:03.840 and then brought it back to New Mexico and then 1256 01:04:03.880 --> 01:04:06.519 back to Colorado, it got a clean title target, they 1257 01:04:06.519 --> 01:04:09.320 could get rid of the salvage designation, and they would 1258 01:04:09.360 --> 01:04:11.679 sell it as a brand new car all over again. 1259 01:04:11.920 --> 01:04:16.440 That's brilliant coming from our resident. 1260 01:04:18.840 --> 01:04:20.199 To be sure to have a question. 1261 01:04:20.199 --> 01:04:25.360 Did did Marie find out what the color of that 1262 01:04:25.800 --> 01:04:26.559 check engine light? 1263 01:04:26.880 --> 01:04:28.280 Or she hasn't done that yet. 1264 01:04:28.559 --> 01:04:31.119 Uh, well, we're waiting for Marie to call us. Both 1265 01:04:31.360 --> 01:04:33.719 Kelly and the Ice Center messages, so we'll find out 1266 01:04:33.719 --> 01:04:34.239 in a few minutes. 1267 01:04:34.280 --> 01:04:36.079 Let's find out that we're gonna go to another break here. 1268 01:04:36.119 --> 01:04:38.079 We've got pat lined up on the next side and 1269 01:04:38.119 --> 01:04:38.960 we'll be right back. 1270 01:04:42.840 --> 01:04:46.119 Go with a sure thing Denver's Best roofer Excel Roofing 1271 01:04:46.199 --> 01:04:48.800 dot com. You don't pay a cent until you're content. 1272 01:04:52.199 --> 01:04:55.400 Time for an insurance checkup free, no obligation. In comparison, 1273 01:04:55.519 --> 01:04:59.079 call Compass Insurance paying too much your coverage at dozens 1274 01:04:59.119 --> 01:05:01.840 of insurance companies find out now three all three seven 1275 01:05:01.960 --> 01:05:04.760 seven to one help. You'll think you're his only customer 1276 01:05:04.800 --> 01:05:07.039 when you choose Frank durand the real estate Man dot 1277 01:05:07.079 --> 01:05:10.400 com to list your home with Remax Alliance three all 1278 01:05:10.440 --> 01:05:16.559 three nine two zero sixteen twenty two. 1279 01:05:17.480 --> 01:05:20.199 I'd just love to do that. Good afternoon, John Fuller, 1280 01:05:20.239 --> 01:05:23.519 here for the Troubleshooter Network. We are back rounding out 1281 01:05:23.559 --> 01:05:27.280 the second hour, if you can believe that, and we 1282 01:05:27.320 --> 01:05:29.440 are here to help you. On the Troubleshooter Network, we 1283 01:05:29.480 --> 01:05:33.760 solve problems, say complaints, answer questions, give us a call. 1284 01:05:33.800 --> 01:05:36.480 Three oh three seven one three eight two five five 1285 01:05:36.599 --> 01:05:39.920 is the number. We have, uh Pat on the line. 1286 01:05:39.960 --> 01:05:41.679 We're going to go to right now and after that 1287 01:05:41.719 --> 01:05:43.199 we are here waiting for your call. 1288 01:05:43.320 --> 01:05:44.840 So give us a call. What is going on? 1289 01:05:44.920 --> 01:05:45.280 Pat? 1290 01:05:46.480 --> 01:05:52.559 Good morning, mister Fuller. I've got a neighbor owns a duplex. 1291 01:05:55.159 --> 01:05:58.960 He doesn't live in it, but uh he has a 1292 01:05:59.000 --> 01:06:05.000 tenant that won't up the dog dow. It's been a 1293 01:06:05.159 --> 01:06:09.679 year's worth and I'm not having real good luck with 1294 01:06:09.760 --> 01:06:14.559 Colorado Springs code enforcement. But when I called about it 1295 01:06:14.599 --> 01:06:18.199 originally a couple of weeks ago and talked to Tom, 1296 01:06:18.800 --> 01:06:25.119 Mark had mentioned third party action. What exactly is he saying? 1297 01:06:27.000 --> 01:06:29.039 Well, I think what he's trying to say, and I 1298 01:06:29.079 --> 01:06:33.719 can't speak for what is in Mark's mind, that. 1299 01:06:32.519 --> 01:06:34.960 That is a big ask a buck. 1300 01:06:38.679 --> 01:06:41.960 I would presume that Mark is is thinking of some 1301 01:06:42.079 --> 01:06:46.239 nuisance action or something against him. For the problem you're 1302 01:06:46.239 --> 01:06:48.320 going to have is that the damages are hard to 1303 01:06:48.400 --> 01:06:51.679 quantify in that you know, you're not incurring expenses economic 1304 01:06:51.760 --> 01:06:54.639 type losses that you could say, look, I've had to 1305 01:06:54.719 --> 01:06:57.920 hire a dog, you know, poof removal service or something 1306 01:06:57.960 --> 01:07:00.960 like that. So it's purely just like the aesthetics of 1307 01:07:01.000 --> 01:07:04.800 seeing this dog, you know, this dog mess and in 1308 01:07:04.840 --> 01:07:06.880 the neighbor's hort. Is he letting the dogs come over 1309 01:07:06.960 --> 01:07:08.280 into your property as well? 1310 01:07:10.800 --> 01:07:15.400 No, but he threw some over the other day when 1311 01:07:15.760 --> 01:07:18.559 the city made him do something. 1312 01:07:18.679 --> 01:07:21.800 But well, he threw it over the fence. 1313 01:07:23.000 --> 01:07:25.840 Oh yeah, yeah, as like a thank you for calling 1314 01:07:25.840 --> 01:07:26.119 it in. 1315 01:07:27.280 --> 01:07:31.440 Yeah, for for reporting him. 1316 01:07:29.679 --> 01:07:34.960 You know, I think I'd be setting up a video 1317 01:07:35.079 --> 01:07:38.960 camera for that, and that would that would definitely cross 1318 01:07:39.039 --> 01:07:42.320 the line there, you know. I mean, listen, I think 1319 01:07:42.360 --> 01:07:46.400 you have the right to to go after the guy 1320 01:07:46.440 --> 01:07:49.159 that The challenge you're going to find is that, you know, 1321 01:07:49.320 --> 01:07:51.960 principally you're absolutely right, but there's just not a lot 1322 01:07:51.960 --> 01:07:53.960 of damages that flow from that. I mean, I think 1323 01:07:53.960 --> 01:07:55.519 the real teeth of the matter is going to be 1324 01:07:55.519 --> 01:07:59.119 with code enforcement, and if you can document and show 1325 01:07:59.159 --> 01:08:01.000 that this is going on, I mean, that's got to 1326 01:08:01.119 --> 01:08:03.599 rise to the level that they would do something. And 1327 01:08:03.880 --> 01:08:07.159 I was working with Pat by the way, yeah, and 1328 01:08:07.239 --> 01:08:12.119 I sent an email to UH to the Neighborhood Services 1329 01:08:12.119 --> 01:08:13.719 Coded Force, Man, what'd you find out? 1330 01:08:14.360 --> 01:08:14.559 Way? 1331 01:08:14.639 --> 01:08:15.920 I did it two days ago. 1332 01:08:16.000 --> 01:08:18.800 So I'm giving him seven to ten days to see 1333 01:08:18.840 --> 01:08:20.960 if they can follow up on it. Just because it's 1334 01:08:20.960 --> 01:08:24.800 the bureaucracy. Yeah, you responded. 1335 01:08:25.439 --> 01:08:27.159 I wonder too if you can make a complaint that 1336 01:08:27.239 --> 01:08:29.239 you know that the animal's not being taken care of. 1337 01:08:29.239 --> 01:08:32.520 I mean, obviously that's an unhealthy situation. So it's just 1338 01:08:32.560 --> 01:08:34.039 some sort of neglect or abuse type. 1339 01:08:34.039 --> 01:08:37.319 It's almost a welfare you know, report on the dog man. 1340 01:08:38.239 --> 01:08:39.159 How bad is it? 1341 01:08:39.279 --> 01:08:40.560 I mean, is it is it? 1342 01:08:40.640 --> 01:08:42.159 But yours worth of feces is a lot? 1343 01:08:42.239 --> 01:08:42.600 It is. 1344 01:08:42.800 --> 01:08:46.960 But it's sayings John, especially in the morning, in the 1345 01:08:47.000 --> 01:08:49.800 moisture in the last couple of weeks. Yeah, you uh, 1346 01:08:50.920 --> 01:08:54.439 it radiates through the neighbors on each side. 1347 01:08:54.960 --> 01:08:57.159 Are we talking like a great Dane here or chihuahua? 1348 01:08:57.359 --> 01:08:58.399 I was wondering how big. 1349 01:08:59.399 --> 01:09:03.520 It's a pretty small dog. But like you said, once, uh, 1350 01:09:03.720 --> 01:09:06.079 once you do, you don't do anything for a year. 1351 01:09:06.439 --> 01:09:07.840 It's uh a little. 1352 01:09:09.560 --> 01:09:09.760 There. 1353 01:09:10.640 --> 01:09:13.279 Do you blober it away? 1354 01:09:14.119 --> 01:09:16.399 No, we're not in an I was solved. 1355 01:09:16.479 --> 01:09:17.039 It's too bad. 1356 01:09:17.960 --> 01:09:20.039 Hey the other ted, have you reached out to your 1357 01:09:20.039 --> 01:09:21.359 little girl? Yeah? 1358 01:09:21.439 --> 01:09:24.199 Pat, what what does the I mean? You you've got 1359 01:09:24.199 --> 01:09:27.399 a tenant there, that's one part of the problem, but 1360 01:09:27.479 --> 01:09:30.079 you've also got the owner. I mean, have you talked 1361 01:09:30.119 --> 01:09:32.279 to the tenant themselves about it is that just not 1362 01:09:32.399 --> 01:09:33.279 going anywhere or what. 1363 01:09:34.439 --> 01:09:38.199 I did talk to him initially and he went ballistic, 1364 01:09:38.680 --> 01:09:43.720 So it's, uh, it was not a good situation on 1365 01:09:43.760 --> 01:09:47.199 a day to day basis, but uh yeah, And the 1366 01:09:47.600 --> 01:09:53.079 owner was notified seven weeks ago and his management company 1367 01:09:53.760 --> 01:09:59.800 according to code enforcement girl and nobody's nobody's done anything. 1368 01:10:00.119 --> 01:10:02.680 There are other tenants in the other build on the 1369 01:10:02.720 --> 01:10:06.640 other side of their building that's the duplex, has two 1370 01:10:06.720 --> 01:10:11.720 little girls that don't have much of a yard. They 1371 01:10:11.720 --> 01:10:14.600 don't have any yard because the dog keeps moving forward 1372 01:10:14.600 --> 01:10:16.720 because he's trying to get out of it too. 1373 01:10:18.279 --> 01:10:22.399 There is there not a fence between the two units, No, 1374 01:10:22.479 --> 01:10:22.840 there is not. 1375 01:10:23.800 --> 01:10:25.960 They share the backyard together. 1376 01:10:27.439 --> 01:10:30.279 Well, I mean, here's my thought on it. Pat. I mean, 1377 01:10:30.399 --> 01:10:33.159 I'm pretty pragmatic about this kind of stuff, and I 1378 01:10:33.800 --> 01:10:36.279 think at some point, you know, even if you have 1379 01:10:36.359 --> 01:10:38.600 the right to bring an action in court, sometimes you're 1380 01:10:38.600 --> 01:10:41.199 just throwing good money after bad because the reality is 1381 01:10:41.239 --> 01:10:44.600 it's it's not likely to truly it's not likely to 1382 01:10:44.760 --> 01:10:48.159 truly change the behavior that's going on here, and it 1383 01:10:48.399 --> 01:10:51.399 it very easily could escalate things. But I think your 1384 01:10:51.439 --> 01:10:53.279 answer is going to be the paper trail, the heck 1385 01:10:53.319 --> 01:10:55.199 out of it, and doctor just started that with the 1386 01:10:55.239 --> 01:10:58.560 first you know, outreach and and everything you can do 1387 01:10:58.640 --> 01:11:01.039 in the way of emails and let's and photographs and 1388 01:11:01.039 --> 01:11:02.960 stuff like that is going to be the secret to 1389 01:11:02.960 --> 01:11:05.960 getting this thing resolved. So the squeaky wheel gets the 1390 01:11:06.439 --> 01:11:09.399 gets the oil, and let's see what happens with Dot's 1391 01:11:09.439 --> 01:11:13.960 intervention and we'll go from there. Okay, Pat, thanks for 1392 01:11:14.000 --> 01:11:15.840 the call. We'll be back after this break. 1393 01:11:17.600 --> 01:11:20.840 Go with a sure thing Denver's Best roofer Excel Roofing 1394 01:11:20.960 --> 01:11:21.520 dot com. 1395 01:11:21.560 --> 01:11:23.600 You don't pay a cent until you're content. 1396 01:11:26.960 --> 01:11:30.159 Time for an insurance checkup free, no obligation in comparison 1397 01:11:30.279 --> 01:11:33.840 call Compass Insurance. Pay too much your coverage at dozens 1398 01:11:33.840 --> 01:11:36.600 of insurance companies find out now three all three seven 1399 01:11:36.680 --> 01:11:39.520 seven to one help. You'll think you're his only customer 1400 01:11:39.520 --> 01:11:41.800 when you choose Frank durand the real estate Man dot 1401 01:11:41.840 --> 01:11:45.119 com to list your home with Remax Alliance three oh 1402 01:11:45.159 --> 01:11:48.600 three nine two zero sixteen twenty two. 1403 01:11:52.640 --> 01:11:55.479 Rip News. 1404 01:11:57.359 --> 01:11:57.960 You don't have. 1405 01:12:00.199 --> 01:12:04.399 Cam running is just as fast as we can. Shooter's 1406 01:12:04.479 --> 01:12:05.800 gonna help come. 1407 01:12:07.920 --> 01:12:12.399 He is the Troubleshooter Show. Now, Tom Martinez. 1408 01:12:13.520 --> 01:12:17.640 Good afternoon, This is John Fuller for the Troubleshooter Network. 1409 01:12:17.800 --> 01:12:20.159 We are in the third hour of the show today 1410 01:12:20.199 --> 01:12:23.560 on Friday, which is car Day, and to that end, 1411 01:12:23.600 --> 01:12:26.600 we have Jeff Vic and Kevin Colchin in the house. 1412 01:12:28.279 --> 01:12:29.039 Jeff is with. 1413 01:12:30.560 --> 01:12:34.319 Camera Transmissine Kimmer Transmissions, he is a transmission expert, and 1414 01:12:34.319 --> 01:12:36.560 we also have Kevin Culchin. We shared an auto tech 1415 01:12:37.039 --> 01:12:39.159 so we got both ends of the car covered and 1416 01:12:39.279 --> 01:12:41.000 we are here to answer your question. So give us 1417 01:12:41.039 --> 01:12:43.840 a call at three O three seven one three eight 1418 01:12:43.880 --> 01:12:46.760 two five five. That's three oh three seven one three 1419 01:12:46.840 --> 01:12:50.359 eight two five five. So earlier in the show today, 1420 01:12:50.640 --> 01:12:54.079 we talked to a gentleman that that bought an old 1421 01:12:54.439 --> 01:12:59.600 F one fifty and bought a service contract, and the 1422 01:12:59.640 --> 01:13:04.359 service contract was with a company called Endurance. But it's 1423 01:13:04.399 --> 01:13:07.800 really not important that it's Endurance that we're talking about. 1424 01:13:08.399 --> 01:13:11.199 What's important is that as part of this contract, which 1425 01:13:11.279 --> 01:13:15.760 was a horrible deal because its maximum value was limited 1426 01:13:15.800 --> 01:13:18.000 to only really the trade in value of the vehicle 1427 01:13:18.039 --> 01:13:21.079 at the time the incident happened. So because this vehicle 1428 01:13:21.119 --> 01:13:23.119 had almost two hundred thousand miles on it at the 1429 01:13:23.159 --> 01:13:26.800 beginning of the contract, the value of that thing went 1430 01:13:26.840 --> 01:13:30.600 down practically with every mile that was driven by a 1431 01:13:30.760 --> 01:13:35.800 calculable amount that pretty quickly would have made the maximum 1432 01:13:35.840 --> 01:13:38.800 payout on the contract less than what it cost him 1433 01:13:39.319 --> 01:13:42.119 to actually buy the contract, which is just crazy to 1434 01:13:42.159 --> 01:13:46.800 get your mind around, but that's what they do. And 1435 01:13:46.880 --> 01:13:49.760 so if you're in the market for an after market warranty, 1436 01:13:49.800 --> 01:13:52.159 I just got to tell you got to read the 1437 01:13:52.159 --> 01:13:56.239 fine print in these contracts. This contract, which the main 1438 01:13:56.359 --> 01:13:59.039 terms of which were set forth in one page on 1439 01:13:59.079 --> 01:14:03.680 the front, requires thirty six more pages of the fine 1440 01:14:03.760 --> 01:14:07.159 print to make up the full contract. So you know, 1441 01:14:07.199 --> 01:14:09.079 when you sit down and a guy's just throwing a 1442 01:14:09.079 --> 01:14:10.840 bunch of papers in front of you and stuff, you 1443 01:14:10.920 --> 01:14:13.880 got to just say stop the day, you know, car, 1444 01:14:13.960 --> 01:14:16.039 We've got to read some of this stuff and figure 1445 01:14:16.039 --> 01:14:18.239 it out. But one of the things that is near 1446 01:14:18.279 --> 01:14:20.439 and dear to my heart. I'm a personal injury attorney. 1447 01:14:20.479 --> 01:14:24.399 I deal with contracts, mostly insurance contracts, all day long, 1448 01:14:25.279 --> 01:14:28.159 and I always tell people, you've got to read the contracts. 1449 01:14:28.159 --> 01:14:30.039 You've got to read the policy. You've got to read 1450 01:14:30.079 --> 01:14:32.760 the words that they use to set forth what their 1451 01:14:32.840 --> 01:14:35.159 duties are and what your duties are, and what they 1452 01:14:35.199 --> 01:14:36.920 have to cover and what they're not going to cover. 1453 01:14:37.760 --> 01:14:44.079 But in most of these consumer type contracts they have 1454 01:14:44.239 --> 01:14:48.640 arbitration provisions. Now there are efforts to change the law 1455 01:14:48.680 --> 01:14:51.680 and limit the ability that these companies have to unilaterally 1456 01:14:51.720 --> 01:14:54.399 impose arbitration. And what that means is they put it 1457 01:14:54.399 --> 01:14:57.560 in the contract. It's not freely negotiable, even though they 1458 01:14:57.560 --> 01:14:59.960 put words like, you've considered the fact that you could 1459 01:15:00.119 --> 01:15:02.760 go to a jury trial, and you've considered the fact 1460 01:15:02.800 --> 01:15:05.159 that you could have a judge decide this, but you've 1461 01:15:05.199 --> 01:15:09.920 decided that it would be more cost efficient and timely 1462 01:15:10.119 --> 01:15:13.319 to submit this matter to arbitration. And so you're voluntarily 1463 01:15:13.359 --> 01:15:16.279 waiving all those rights as a part of this contract, 1464 01:15:16.760 --> 01:15:20.119 even though you've done no such thing. You've not considered it, 1465 01:15:20.319 --> 01:15:26.119 read it, thought about it, made a decision to put 1466 01:15:26.119 --> 01:15:29.600 the arbitration provision in effact. But nonetheless it's there and 1467 01:15:29.600 --> 01:15:32.039 it's binding. And let me tell you, these courts will 1468 01:15:32.159 --> 01:15:35.760 routinely enforce these arbitration provisions and hold you to them. 1469 01:15:36.239 --> 01:15:39.239 So if this gentleman decides he wants to pursue this 1470 01:15:39.359 --> 01:15:42.600 matter by challenging them, I don't want to use the 1471 01:15:42.640 --> 01:15:44.680 words by going to court, because he can't go to 1472 01:15:44.720 --> 01:15:47.479 court he's already waived the ability to go to court, 1473 01:15:47.560 --> 01:15:52.359 and so what he's got to do is invoke arbitration. Okay, 1474 01:15:52.600 --> 01:15:54.760 So what that means is you have to follow this 1475 01:15:54.840 --> 01:15:57.640 procedure and make a written demand to the other party. 1476 01:15:58.319 --> 01:15:59.880 And it says right here that you're going to get 1477 01:15:59.880 --> 01:16:03.399 a single arbitrator and it's going to be in accordance 1478 01:16:03.439 --> 01:16:07.039 with all these setout rules under the American Arbitration Association, 1479 01:16:07.640 --> 01:16:10.720 and they'll even advance the cost of it, which is 1480 01:16:10.760 --> 01:16:12.600 really kind of nice of them because a lot of 1481 01:16:12.640 --> 01:16:15.079 times it makes both parties split the costs up front 1482 01:16:15.520 --> 01:16:17.760 and you'll get to pay out, you know, from five 1483 01:16:17.840 --> 01:16:20.920 hundred to a few thousand dollars to get this arbitration going. 1484 01:16:22.000 --> 01:16:26.079 But here's the crazy thing. Arbitration's going to take place 1485 01:16:26.239 --> 01:16:33.920 in not Denver, Colorado, not Centennial, not Greeley, not Evans 1486 01:16:33.960 --> 01:16:38.079 where this gentleman live. It's going to take place in Lynchburg, Virginia. 1487 01:16:39.039 --> 01:16:39.479 Okay. 1488 01:16:40.119 --> 01:16:43.960 So your car that's broken, that has a shelled out 1489 01:16:43.960 --> 01:16:45.960 engine and is sitting out in the backyard, that you're 1490 01:16:46.000 --> 01:16:51.159 still making payments on your only source of recourse. If 1491 01:16:51.199 --> 01:16:53.960 you really want to challenge these guys saying we're not 1492 01:16:54.079 --> 01:16:58.840 paying for your repair is to somehow travel by train, plane, 1493 01:16:58.960 --> 01:17:03.640 or hitchhike to Lynchburg, Virginia wherever the heck that is. 1494 01:17:03.840 --> 01:17:05.279 I'm going to be able to drive there. And you're 1495 01:17:05.319 --> 01:17:07.399 broken down. The your car's broke. 1496 01:17:07.239 --> 01:17:09.439 Down, so you can't drive. You got a hitchhike or 1497 01:17:09.560 --> 01:17:14.079 catch a ride with somebody or something, and you're not 1498 01:17:14.159 --> 01:17:17.039 going to court. So you go to this arbitration provision 1499 01:17:17.880 --> 01:17:20.960 and you know, and so here's the deal. 1500 01:17:21.560 --> 01:17:25.119 Guess what, It's not even binding, So you have to go. 1501 01:17:25.039 --> 01:17:28.399 Through all this arbitration to get to a decision, and 1502 01:17:28.479 --> 01:17:32.079 if they don't like it, they can challenge it in court. 1503 01:17:32.960 --> 01:17:34.920 You want to talk about a stack deck. There's some 1504 01:17:35.119 --> 01:17:40.119 arbitrator in Lynchburg, Virginia that gets about ten cases a 1505 01:17:40.159 --> 01:17:46.319 week out of this whatever warranty company. That's all he does. 1506 01:17:46.399 --> 01:17:48.760 He knows his contract like the back of his hand. 1507 01:17:49.039 --> 01:17:50.880 And you're going to roll in there and tell them 1508 01:17:50.880 --> 01:17:55.560 that you know, Bubba misprinted the mileage on the application 1509 01:17:55.800 --> 01:17:58.399 and you told them the right number on the phone call. 1510 01:17:58.479 --> 01:18:00.960 And I mean, there's no chance in the world that 1511 01:18:00.960 --> 01:18:03.680 you're going to win. But there's also no chance in 1512 01:18:03.720 --> 01:18:04.199 the world that. 1513 01:18:04.159 --> 01:18:06.399 You're going to go to Lynchburg to actually have this 1514 01:18:06.520 --> 01:18:08.960 case heard in front of this arbitrator to give you 1515 01:18:09.000 --> 01:18:11.680 a non binding decision that you then have to go 1516 01:18:11.720 --> 01:18:15.399 try to litigate in Lynchburg, Virginia as well to get 1517 01:18:15.439 --> 01:18:18.119 a decision that you lose, and then when you lose, 1518 01:18:18.159 --> 01:18:20.119 you get to pay all of their fees and expenses 1519 01:18:20.159 --> 01:18:24.439 as well. So, I mean the reality of these contracts, 1520 01:18:24.479 --> 01:18:27.439 and this is why they're so bad. I mean, some 1521 01:18:27.479 --> 01:18:29.800 people really tell you, oh, yeah, arbitration's good. 1522 01:18:29.800 --> 01:18:33.119 We want to enforce this. We don't want to encourage lawsuits. 1523 01:18:33.119 --> 01:18:37.439 And I'm a lawyer. I do lawsuits. I'm not an 1524 01:18:37.479 --> 01:18:41.279 anti lawsuit kind of guy. I'm an anti you know, 1525 01:18:42.680 --> 01:18:46.479 fraudulent claim. I'm an anti you know, in any sort 1526 01:18:46.479 --> 01:18:50.920 of BS lawsuits. Nobody wants those and those I have 1527 01:18:51.119 --> 01:18:53.720 never filed one in my entire career, don't plan on 1528 01:18:53.760 --> 01:18:56.760 filing one at any time in the future. And those 1529 01:18:56.760 --> 01:18:58.600 are bad and I don't like them, and we should 1530 01:18:58.600 --> 01:19:00.840 get rid of them to whatever extent we can't. But 1531 01:19:01.079 --> 01:19:04.479 this is not the answer. This does not make you 1532 01:19:04.760 --> 01:19:08.239 a more powerful consumer. This just weakens it to the 1533 01:19:08.279 --> 01:19:10.800 point that if you don't like something in here and 1534 01:19:10.840 --> 01:19:13.479 you don't like what this company is doing. After they've 1535 01:19:13.520 --> 01:19:17.279 taken all your money, tough, there's not a darn thing 1536 01:19:17.359 --> 01:19:20.439 you can do about it. And that's why they're bad, 1537 01:19:20.520 --> 01:19:22.920 and that's why you should never agree to these things. Now, 1538 01:19:23.119 --> 01:19:25.920 the alternative is you don't buy it because it's not 1539 01:19:25.960 --> 01:19:28.880 a freely negotiated, you know, negotiating contract. You can't go 1540 01:19:28.960 --> 01:19:31.159 in and say, I like this, I really don't like 1541 01:19:31.239 --> 01:19:33.399 the arbitration. I'd like to do that in Denver. If 1542 01:19:33.439 --> 01:19:38.119 it's all the same to you, they're not negotiable, just 1543 01:19:38.159 --> 01:19:40.239 take it or leave it. So when you get an 1544 01:19:40.239 --> 01:19:42.840 option of dealing with something like this, unless it's just 1545 01:19:42.880 --> 01:19:46.439 a smoking deal that just absolutely makes sense and it's 1546 01:19:46.479 --> 01:19:50.159 a top flight company, you know, maybe you consent to it. 1547 01:19:50.319 --> 01:19:54.279 But for something like this, where the maximum payout on 1548 01:19:54.359 --> 01:19:57.920 it is so small compared to the cost, the length 1549 01:19:57.960 --> 01:19:59.560 of time that you're going to be paying for this, 1550 01:19:59.600 --> 01:20:04.479 saying and paying interest on it is so long, your 1551 01:20:04.560 --> 01:20:08.039 power in the transaction is so minimal that you can't 1552 01:20:08.399 --> 01:20:11.960 do anything to force them to the table. It's just 1553 01:20:12.199 --> 01:20:14.439 one of the worst decisions that you can ever make 1554 01:20:14.479 --> 01:20:16.880 to go in and buy something like this. I'm not 1555 01:20:16.920 --> 01:20:19.800 saying all warranties are bad. I'm not saying that even 1556 01:20:19.880 --> 01:20:21.960 this company is the only one that's really a. 1557 01:20:21.920 --> 01:20:22.840 Bad guy out there. 1558 01:20:23.199 --> 01:20:26.520 But this provision in this contract is one of the 1559 01:20:26.560 --> 01:20:29.720 most anti consumer provisions that I've ever read in one 1560 01:20:29.760 --> 01:20:32.319 of these. It wouldn't be that much stronger if it 1561 01:20:32.399 --> 01:20:36.279 said go to Pluto to arbitrate this and to use 1562 01:20:36.359 --> 01:20:39.279 Mickey Mouse as your arbitrator. I mean, you'd have that 1563 01:20:39.439 --> 01:20:42.199 much less of a chance of invoking that than you 1564 01:20:42.239 --> 01:20:45.479 do to invoke these terms in this contract. So that's 1565 01:20:45.520 --> 01:20:47.319 my two cents on this. We've got a couple of 1566 01:20:47.399 --> 01:20:49.720 cars lined up, or a couple of callers lined up 1567 01:20:49.760 --> 01:20:53.039 about cars. We will be right back to take those calls. 1568 01:20:53.119 --> 01:21:01.600 Hang on just a second, go with a sure thing 1569 01:21:01.720 --> 01:21:05.039 Denver's Best roofer Excel roofing dot com. You don't pay 1570 01:21:05.039 --> 01:21:11.680 a cent until you're content. Time for an insurance checkup free, 1571 01:21:11.760 --> 01:21:15.520 no obligation. In comparison, call Compass Insurance paying too much 1572 01:21:15.640 --> 01:21:18.560 your coverage at dozens of insurance companies find out now 1573 01:21:18.640 --> 01:21:20.920 three O three, seven to seven to one help. You'll 1574 01:21:20.920 --> 01:21:23.720 think you're his only customer When you choose Frank durand 1575 01:21:23.720 --> 01:21:26.159 the Real Estate man dot com to list your home 1576 01:21:26.359 --> 01:21:39.880 with Remax Alliance three three nine two zero sixteen twenty two. 1577 01:21:41.000 --> 01:21:44.520 All right, good afternoon, John Puller here on the Troubleshooter Network. 1578 01:21:46.199 --> 01:21:47.399 We are moving forward. 1579 01:21:47.479 --> 01:21:50.560 Here. We have a caller Tim on the line. Tims 1580 01:21:50.600 --> 01:21:53.600 calling us about a warranty issue. Tim, What is going 1581 01:21:53.640 --> 01:21:54.680 on with your warranty? 1582 01:21:56.800 --> 01:22:01.039 Oh, I'm just seeing if this sounds right. So last 1583 01:22:01.079 --> 01:22:03.840 week I took my car to the shop, to the 1584 01:22:03.840 --> 01:22:06.840 deller that I got her from and purchased the warranty from, 1585 01:22:06.920 --> 01:22:11.319 which was a three year so many miles. But I'm 1586 01:22:11.359 --> 01:22:13.800 still within the time period and everything. 1587 01:22:14.119 --> 01:22:16.479 Now ten is a new car that you're talking about 1588 01:22:16.560 --> 01:22:18.119 or a used car? 1589 01:22:18.840 --> 01:22:22.479 Yeah, it's used twenty thirteen Yukon Denali. 1590 01:22:22.840 --> 01:22:26.279 Okay, so so okay. 1591 01:22:26.359 --> 01:22:29.960 So yesterday finally I get like the verdict on whether 1592 01:22:30.119 --> 01:22:32.399 the warranty people are going to cover it or not. 1593 01:22:32.600 --> 01:22:33.560 What happened to your car? 1594 01:22:33.640 --> 01:22:40.039 So they say, oh, it's been running good for long. 1595 01:22:40.119 --> 01:22:42.760 It's almost three years. That warranty is almost stuck. Matter 1596 01:22:42.800 --> 01:22:47.359 of fact, in June it will be up. So I 1597 01:22:47.479 --> 01:22:49.680 was driving then it started making a loud o noise 1598 01:22:50.000 --> 01:22:53.520 and then it stopped, and then I continued driving and everything. 1599 01:22:53.800 --> 01:22:55.880 I just got that because it was like when it 1600 01:22:56.039 --> 01:22:59.159 snowed real good, like two weeks ago or so, so 1601 01:22:59.199 --> 01:23:01.960 I thought maybe it was dragging heights or something like that, 1602 01:23:02.119 --> 01:23:04.720 like that was weird. So then I drove about five 1603 01:23:04.720 --> 01:23:07.840 more minutes. Then that noise came on again. So then 1604 01:23:07.880 --> 01:23:11.079 I pulled over and everything, shut it down, looked around 1605 01:23:11.119 --> 01:23:14.680 the vehicle, didn't see anything or nothing, turned the car 1606 01:23:14.720 --> 01:23:17.680 off and stuff, turned it back on, put it into 1607 01:23:18.520 --> 01:23:22.279 like reverse neutral, nothing, nothing. Then then to drive. Then 1608 01:23:22.279 --> 01:23:25.399 it started making a loud, old grinding noise, so I 1609 01:23:25.439 --> 01:23:28.000 turned it off and then I got it told home. 1610 01:23:28.640 --> 01:23:30.600 And then it was on a Saturday, so I wasn't 1611 01:23:30.600 --> 01:23:32.640 able to get a hold of the warranty people because 1612 01:23:32.640 --> 01:23:35.439 they're clothes on Saturday and Sunday. So Monday I called 1613 01:23:35.920 --> 01:23:39.760 that advised me to get it told back to the 1614 01:23:39.760 --> 01:23:42.399 fillership or whatever and then they could go from there. 1615 01:23:43.239 --> 01:23:49.319 So the dealership says that is having complications internally with 1616 01:23:49.439 --> 01:23:55.319 the transmission and stuff. So the warranty people finally and 1617 01:23:55.399 --> 01:23:57.840 all that, I was able to talk to them and 1618 01:23:58.000 --> 01:24:03.800 the dealership to where they said that that yes, they're 1619 01:24:03.920 --> 01:24:07.560 proving the claim and that they're only going to be 1620 01:24:07.600 --> 01:24:11.119 able to do thirty five hundred though, because that's the 1621 01:24:11.239 --> 01:24:14.880 value of the vehicle. Okay, Oh, and they said it 1622 01:24:15.000 --> 01:24:16.680 in your contract and everything. 1623 01:24:17.039 --> 01:24:17.359 Yep. 1624 01:24:17.520 --> 01:24:20.479 So I went and got the contract and looked into it, 1625 01:24:20.560 --> 01:24:25.039 and what it says in the contract is they're willing 1626 01:24:25.079 --> 01:24:31.199 to cover actual cash value or NADA value of the vehicle. 1627 01:24:31.399 --> 01:24:31.640 Right. 1628 01:24:31.960 --> 01:24:34.319 So then I called up to the warranty people and 1629 01:24:34.439 --> 01:24:38.359 told them like, yeah, well it's saying that you guys 1630 01:24:38.439 --> 01:24:42.920 will cover this or this. So I when I looked 1631 01:24:42.920 --> 01:24:47.560 it up on that NADA, it's like eight thousand dollars. 1632 01:24:47.600 --> 01:24:50.960 And then when I strolled down then I seen where 1633 01:24:50.960 --> 01:24:53.800 it says thirty five hundred is the trade in value. 1634 01:24:54.199 --> 01:24:56.279 So I said, I see where you're getting the thirty 1635 01:24:56.279 --> 01:24:59.319 five hundred from the trade in value and trade in 1636 01:24:59.439 --> 01:25:03.159 value and the actual value is not the same. So 1637 01:25:03.239 --> 01:25:05.840 then they like, hold on. I was like, but yeah, 1638 01:25:05.840 --> 01:25:07.359 if you can point me to where it says in 1639 01:25:07.399 --> 01:25:09.439 the contract, then yeah, I could take a look at 1640 01:25:09.439 --> 01:25:12.159 it real quick and all that. And then he was like, 1641 01:25:12.319 --> 01:25:15.840 oh hold on, so wait on holding everything. Then when 1642 01:25:15.840 --> 01:25:18.079 he came back to the phone, he was like, yeah, 1643 01:25:18.119 --> 01:25:23.439 we're having complications. We can't look up the NADA right 1644 01:25:23.479 --> 01:25:26.239 now and all that. So we'll call you back tomorrow, 1645 01:25:26.279 --> 01:25:28.840 which is today, But I haven't spoke to them yet, 1646 01:25:29.199 --> 01:25:31.439 so I'm about to call him in a little while 1647 01:25:31.479 --> 01:25:34.520 to see exactly what's going on. So I'm just seeing 1648 01:25:34.520 --> 01:25:36.039 that that sounds right to you. 1649 01:25:36.399 --> 01:25:40.319 Well, here's what I can tell you, Tim, And I 1650 01:25:40.319 --> 01:25:42.560 don't know what company that you're dealing with. Do you 1651 01:25:42.680 --> 01:25:44.439 remember the company name of the warranty. 1652 01:25:46.600 --> 01:25:49.239 I don't remember the name. I just know that they'red 1653 01:25:50.279 --> 01:25:52.359 in New Mexico, the people that I'm talking to. 1654 01:25:52.760 --> 01:25:57.239 So listen, I don't know who you're dealing with, but 1655 01:25:57.319 --> 01:25:59.319 I just happened to have this contract that we've been 1656 01:25:59.319 --> 01:26:02.039 dealing with all day, and so I'm not suggesting that 1657 01:26:02.119 --> 01:26:04.479 it's the same one that you're dealing with, but it's 1658 01:26:04.840 --> 01:26:07.920 but they're all very similar, and they have a lot 1659 01:26:08.000 --> 01:26:11.319 of you know, crossovers and stuff that, and so this 1660 01:26:11.399 --> 01:26:14.560 particular contract, and you're right, that's exactly why I was saying, 1661 01:26:14.560 --> 01:26:17.640 this one's such a bad idea, because the guy has 1662 01:26:17.640 --> 01:26:22.560 a truck that has a true trade in value that's 1663 01:26:22.640 --> 01:26:25.319 just barely above at the beginning of the contract, the 1664 01:26:25.359 --> 01:26:26.920 total value of the warranty. 1665 01:26:27.560 --> 01:26:29.760 But as it gets driven. 1666 01:26:29.479 --> 01:26:31.560 And as the months go by and he gets more 1667 01:26:31.560 --> 01:26:34.000 and more miles on it, the value that truck keeps 1668 01:26:34.039 --> 01:26:37.840 going down, and at some point it becomes controlling, so 1669 01:26:37.880 --> 01:26:41.279 that the maximum the warranty would pay out is even 1670 01:26:41.399 --> 01:26:44.119 less than you know, it's even less than what it 1671 01:26:44.159 --> 01:26:46.239 cost him to buy the warranty in the first place, 1672 01:26:46.239 --> 01:26:50.239 which just means it's an absolutely ridiculous thing to buy 1673 01:26:50.319 --> 01:26:52.359 for anybody. Why would you pay more money for a 1674 01:26:52.399 --> 01:26:56.159 warranty that guarantees to not ever pay you more than 1675 01:26:56.359 --> 01:26:59.640 less than that amount. Right, So here's what I can 1676 01:26:59.680 --> 01:27:03.000 tell you in this particular contract, and with every contract, 1677 01:27:03.479 --> 01:27:05.840 you got to go pull the contract out yourself and 1678 01:27:05.840 --> 01:27:08.000 print it off and read it from cover to cover. 1679 01:27:08.479 --> 01:27:12.800 This one defines actual cash value in it. And under 1680 01:27:12.880 --> 01:27:17.840 this contract it says actual cash value means the NADA 1681 01:27:17.880 --> 01:27:21.279 published wholesale trade in value. And so they make those 1682 01:27:21.399 --> 01:27:25.000 terms exactly the same. So whether they talk about NADA 1683 01:27:25.039 --> 01:27:27.479 at one point in the contract, which they do, and 1684 01:27:27.520 --> 01:27:30.039 then in another part of the contract they talk about 1685 01:27:30.079 --> 01:27:33.760 actual cash value because it's a defined term in the contract, 1686 01:27:33.760 --> 01:27:37.399 those two mean exactly the same thing. And so it's 1687 01:27:37.439 --> 01:27:40.199 not that when you say actual cash value in your mind, 1688 01:27:40.279 --> 01:27:43.079 I know what you mean. It means actual amount of 1689 01:27:43.079 --> 01:27:45.039 cash if somebody would give you for the vehicle. But 1690 01:27:45.119 --> 01:27:49.039 in this contract sense, what it means is the NADA 1691 01:27:49.119 --> 01:27:53.000 wholesale trade in value. And so if that's thirty five 1692 01:27:53.079 --> 01:27:57.720 hundred in your contract, or if alternatively they cap the 1693 01:27:57.800 --> 01:28:01.039 value of the service contract at thirty five, that's the 1694 01:28:01.079 --> 01:28:04.319 maximum they're going to pay. So, now here's what I 1695 01:28:04.359 --> 01:28:07.239 think is the good news. You don't probably have to 1696 01:28:07.399 --> 01:28:10.359 use that dealership to repair your transmission, do they? 1697 01:28:11.760 --> 01:28:14.279 So you know, yeah, you could go to an independent 1698 01:28:14.359 --> 01:28:17.079 like myself for somebody who's reputable, which is going to 1699 01:28:17.119 --> 01:28:20.199 come in under the actual cost of you know what 1700 01:28:20.319 --> 01:28:22.399 you're going to be looking at at a dealership. 1701 01:28:22.279 --> 01:28:24.680 Right, So I think you'd be wise to have, you know, 1702 01:28:25.079 --> 01:28:27.680 somebody else look at this vehicle when you're considering what 1703 01:28:27.720 --> 01:28:30.399 your options are. And the other benefit of that that 1704 01:28:30.439 --> 01:28:33.000 a lot of people don't think about, is it These 1705 01:28:33.039 --> 01:28:35.399 guys like Jeff and Kevin, they deal with these warranting 1706 01:28:35.439 --> 01:28:38.359 companies all the time, and so they're actively on the 1707 01:28:38.359 --> 01:28:41.319 phone with them describing what's going on, you know, getting 1708 01:28:41.359 --> 01:28:43.640 the authorizations for you. I mean they really take that 1709 01:28:43.720 --> 01:28:48.079 burden off of you and get the agreement that you 1710 01:28:48.159 --> 01:28:49.800 need to go ahead and get your car fixed and 1711 01:28:49.880 --> 01:28:52.920 back on the road. So A, I think that they're 1712 01:28:53.079 --> 01:28:56.079 right in having the same number for actual cash value 1713 01:28:56.079 --> 01:28:59.680 in the NADA. But B you might just want to 1714 01:28:59.720 --> 01:29:01.920 think of about having somebody else look at the vehicle 1715 01:29:02.439 --> 01:29:05.239 and try to get that covered so that you can 1716 01:29:05.239 --> 01:29:07.039 get it fixed and back on the road. Does that 1717 01:29:07.079 --> 01:29:08.119 sound like a plan for you. 1718 01:29:08.079 --> 01:29:13.159 Tim, Yeah, sir, because yeah, they said thirty five hundreds 1719 01:29:13.199 --> 01:29:15.359 and all have to pay twenty seven out of. 1720 01:29:15.279 --> 01:29:16.319 My pocket. 1721 01:29:17.920 --> 01:29:20.960 Expensive TRANSMITSI oh, yeah, that's what they came up with. 1722 01:29:21.319 --> 01:29:26.479 And yeah they said for rebuild or refurbst or something 1723 01:29:26.600 --> 01:29:29.520 like that. Hey, and they said that includes the two 1724 01:29:29.600 --> 01:29:32.000 hundred and fifty dollars deductibull and all that. 1725 01:29:32.239 --> 01:29:35.359 Yeah, Hey, write this career. 1726 01:29:35.159 --> 01:29:37.439 Down, confuse to where I didn't see it. 1727 01:29:37.680 --> 01:29:41.439 Hey, Tim, write this number down for jeffiic at camera transmission. 1728 01:29:41.520 --> 01:29:46.399 It's three or three six ninety three, fourteen hundred. Give 1729 01:29:46.399 --> 01:29:48.760 them a call, see what kind of options you've got 1730 01:29:48.800 --> 01:29:50.520 to have them take a look at it and just 1731 01:29:50.520 --> 01:29:51.560 see what your options are. 1732 01:29:51.640 --> 01:29:55.840 Okay, okay, yep, Well, thank you for the help. I 1733 01:29:55.840 --> 01:29:57.079 appreciate it, all right, good. 1734 01:29:57.039 --> 01:29:59.880 Luck to you, my friend. You know what he touched 1735 01:29:59.880 --> 01:30:03.079 on on something we were talking about off air. Don't 1736 01:30:03.079 --> 01:30:05.279 be the first to make contact with the warranty company. 1737 01:30:05.279 --> 01:30:08.840 You are your own worst enemy. Trust the guy you're 1738 01:30:08.840 --> 01:30:11.279 handing your keys to to deal with the warranty company. 1739 01:30:11.279 --> 01:30:13.319 If they were looking for zing words, they're looking for 1740 01:30:13.399 --> 01:30:16.640 anything to get out from underneath these things. Bring it in, 1741 01:30:17.079 --> 01:30:18.840 let us take a look at it. Let us deal 1742 01:30:18.840 --> 01:30:21.560 with your warranty company. They may make contact with you 1743 01:30:21.600 --> 01:30:23.840 to make sure that you know you're okay with this deal, 1744 01:30:23.920 --> 01:30:25.840 or whatever the case may be. Or if you've got 1745 01:30:25.840 --> 01:30:27.960 a problem with them later on down the right road 1746 01:30:28.000 --> 01:30:30.479 because of a denial or something like that, then contact them. 1747 01:30:30.840 --> 01:30:34.119 But if you contact them first, you're usually muddying the 1748 01:30:34.159 --> 01:30:36.359 waters for us before we even get a chance to start. 1749 01:30:36.159 --> 01:30:36.520 On the car. 1750 01:30:36.960 --> 01:30:37.119 Right. 1751 01:30:37.680 --> 01:30:40.960 I think that's great advice. It's almost the same advice 1752 01:30:41.039 --> 01:30:43.640 I give people in the context of accidents and stuff, 1753 01:30:43.680 --> 01:30:46.359 which is, don't give a statement to the insurance company. 1754 01:30:46.560 --> 01:30:48.439 You have to understand. And it's the same thing we 1755 01:30:48.479 --> 01:30:50.439 dealt with yesterday with the attorney that was here in 1756 01:30:50.479 --> 01:30:52.680 the deal that said at the hospital where his wife 1757 01:30:52.760 --> 01:30:55.199 was getting treated following an accident. They had a video 1758 01:30:55.319 --> 01:30:58.119 thing set up where they were asking questions about how 1759 01:30:58.159 --> 01:31:01.479 to build and everything in that video conference call was 1760 01:31:01.560 --> 01:31:04.399 geared towards having him make the wrong decisions and building 1761 01:31:04.399 --> 01:31:07.680 out inappropriately in the way that benefited the hospital the most. 1762 01:31:07.720 --> 01:31:11.079 So listen, guys, when you have the opportunity to get 1763 01:31:11.079 --> 01:31:14.079 a professional on your side to deal with these contracts 1764 01:31:14.119 --> 01:31:17.439 and stuff, almost ninety nine times out of one hundred, 1765 01:31:17.560 --> 01:31:20.600 you're gonna be better off doing that. Get the people 1766 01:31:20.600 --> 01:31:22.279 that deal with them every day on your side, and 1767 01:31:22.560 --> 01:31:24.479 I think you'll come out better. We're going to take 1768 01:31:24.479 --> 01:31:26.439 a quick break here right now. We'll be right back. 1769 01:31:26.520 --> 01:31:28.119 We've got a couple of calls on the phone, but 1770 01:31:28.279 --> 01:31:29.600 give us a shout if we can help you. 1771 01:31:30.039 --> 01:31:34.199 Thanks. 1772 01:31:35.680 --> 01:31:38.960 Go with a sure thing Denver's Best roofer Excel Roofing 1773 01:31:39.079 --> 01:31:41.680 dot com. You don't pay a cent until you're content. 1774 01:31:45.079 --> 01:31:48.279 Time for an insurance check up free, no obligation. In comparison, 1775 01:31:48.399 --> 01:31:51.920 call Compass Insurance paying too much your coverage at dozens 1776 01:31:51.960 --> 01:31:54.720 of insurance companies. Find out now three oh three, seven 1777 01:31:54.720 --> 01:31:55.279 to seven to one. 1778 01:31:55.399 --> 01:31:55.680 Help. 1779 01:31:55.840 --> 01:31:58.479 You'll think you're his only customer when you choose Frank 1780 01:31:58.520 --> 01:32:00.960 durand the real estate man dot Com to list your 1781 01:32:01.000 --> 01:32:04.119 home with Remax Alliance three all three nine two zero 1782 01:32:04.279 --> 01:32:08.600 sixteen twenty two. 1783 01:32:11.960 --> 01:32:14.600 All right, good afternoon, John Fuller back with the Troubleshooter 1784 01:32:14.680 --> 01:32:17.720 Network and joining me in the studio. Here is Jeff 1785 01:32:17.760 --> 01:32:19.800 Vick and Kevin Culkin, and it is car Day and 1786 01:32:19.840 --> 01:32:22.079 we are here to help you with all of your problems. 1787 01:32:22.119 --> 01:32:25.960 We solve problems, state complaints, answer questions. We're here for 1788 01:32:26.079 --> 01:32:29.319 just about anything. It doesn't have to be limited to cars. 1789 01:32:29.319 --> 01:32:31.560 But while we have these experts in the house, it's 1790 01:32:31.560 --> 01:32:33.439 a great time to call with the car issues. But 1791 01:32:33.560 --> 01:32:37.399 we have Joanna on the line with a not car issue. Joanna, 1792 01:32:37.439 --> 01:32:39.800 how can we help you today? 1793 01:32:41.720 --> 01:32:43.199 I just want to see if I can get some 1794 01:32:43.239 --> 01:32:46.640 help for a friend of mine. She's seventy seven years 1795 01:32:46.680 --> 01:32:49.760 old and she's lived in her town home for forty years. 1796 01:32:50.119 --> 01:32:53.760 She does have some serious mental health problems. Okay, but 1797 01:32:53.880 --> 01:32:57.640 I just found out that she got a notice from 1798 01:32:57.720 --> 01:33:00.520 the sheriff that they are going to come take her 1799 01:33:00.520 --> 01:33:07.359 home May eighth for what because of h HOA dues 1800 01:33:07.359 --> 01:33:10.720 that she did not pay. Now, I'm sure she's gotten 1801 01:33:10.840 --> 01:33:14.319 quite a few notices and everything else, and she thinks 1802 01:33:14.319 --> 01:33:17.640 it's all a big scam, so she has ignored everything 1803 01:33:17.720 --> 01:33:20.359 that she has gotten from the courts, from the HOA. 1804 01:33:22.199 --> 01:33:25.399 This was I went online and it was filed in 1805 01:33:26.159 --> 01:33:28.000 July thirtieth, twenty twenty four. 1806 01:33:28.159 --> 01:33:31.720 So it's so the ha, sorry Joanna. 1807 01:33:31.800 --> 01:33:34.920 So they actually sued her in foreclosure for this lean 1808 01:33:35.000 --> 01:33:36.720 against their against the condo? 1809 01:33:36.840 --> 01:33:37.880 Is that or the town home? 1810 01:33:38.359 --> 01:33:38.560 Is that? 1811 01:33:38.600 --> 01:33:39.199 What's going on? 1812 01:33:39.920 --> 01:33:40.079 Right? 1813 01:33:41.239 --> 01:33:45.039 She owed twenty one thousand dollars in HOA fees and 1814 01:33:47.039 --> 01:33:49.239 dues is what they were suing her for. 1815 01:33:52.479 --> 01:33:53.800 Has she wandered? 1816 01:33:55.359 --> 01:33:57.840 I mean, has she been paying anything? I mean, surely 1817 01:33:57.960 --> 01:33:58.640 she's not. 1818 01:33:58.800 --> 01:34:02.119 So, is she's so gone that she doesn't recognize the 1819 01:34:02.199 --> 01:34:04.920 obligation to pay them or what's going on with the 1820 01:34:05.039 --> 01:34:05.800 lack of payment? 1821 01:34:07.960 --> 01:34:11.239 I'm not sure where that is. She claims that she 1822 01:34:11.359 --> 01:34:13.520 has paid it, but I don't know. Like I said, 1823 01:34:13.560 --> 01:34:17.079 she she does have some some serious mental health problems, 1824 01:34:17.079 --> 01:34:19.079 so I don't know if she has or hasn't. 1825 01:34:19.920 --> 01:34:22.720 But does she have any family? 1826 01:34:25.039 --> 01:34:26.319 No, she has no family. 1827 01:34:28.720 --> 01:34:29.119 And so. 1828 01:34:30.880 --> 01:34:33.000 I'm just trying to see if there's something that can 1829 01:34:33.039 --> 01:34:37.600 be done to delay this or stop this. You know, 1830 01:34:37.680 --> 01:34:39.840 I know, May next week. 1831 01:34:41.560 --> 01:34:44.159 Yeah, John, I just sent Kelly a message to try 1832 01:34:44.199 --> 01:34:47.199 to get Bride O'Brien on the phone. But just from 1833 01:34:47.479 --> 01:34:51.399 your basic general knowledge, don't you think that severely handicapped 1834 01:34:51.439 --> 01:34:54.199 people and very elderly people such as her friend might 1835 01:34:54.239 --> 01:34:56.479 have some special special protections in this. 1836 01:34:56.479 --> 01:34:57.600 Kind of I mean, here's what I know. 1837 01:34:57.720 --> 01:35:00.720 She's definitely an at risk adult, okay, by virtue of 1838 01:35:00.720 --> 01:35:05.279 both her age and her capacity, and you know, and 1839 01:35:05.319 --> 01:35:07.640 those are both issues that would have been in effect 1840 01:35:07.720 --> 01:35:10.560 last year when they initiated this deal. And so I think, 1841 01:35:11.039 --> 01:35:15.199 you know, there may be some salvation in the lack 1842 01:35:15.239 --> 01:35:18.439 of process or what she didn't participate, But it sounds like, 1843 01:35:19.000 --> 01:35:20.720 you know, this is the kind of thing that happens 1844 01:35:20.720 --> 01:35:24.039 when an HOA finally files a lawsuit and then the 1845 01:35:24.039 --> 01:35:26.079 person doesn't show up and they get a judgment, and 1846 01:35:26.119 --> 01:35:28.920 then finally they decide to foreclose that judgment. And she's 1847 01:35:29.600 --> 01:35:31.520 she's been there for forty years. She likely owns it 1848 01:35:31.560 --> 01:35:33.960 frete and clear, so there's no leans on the property, 1849 01:35:34.079 --> 01:35:36.880 so they're in first position, and so it's just a she. 1850 01:35:36.920 --> 01:35:40.159 Does she does have a reverse mortgage. 1851 01:35:40.199 --> 01:35:44.039 I know that, Oh, wouldn't the reverse mortgage company have 1852 01:35:44.119 --> 01:35:46.159 paid off this judgment, or they. 1853 01:35:46.039 --> 01:35:49.000 Should have, and they should have verified every year that 1854 01:35:49.079 --> 01:35:51.880 both the insurance and all the obligations were being paid 1855 01:35:51.880 --> 01:35:56.439 on it. Have you, Joanna, do you have any sort 1856 01:35:56.439 --> 01:35:58.439 of power of attorney or do you have the ability 1857 01:35:58.479 --> 01:36:01.720 to actually contact to any of these people on her behalf? 1858 01:36:03.960 --> 01:36:06.520 No, I don't, like I say, she's more of an acquaintance. 1859 01:36:06.560 --> 01:36:08.880 We get together a couple times a year for dinner, 1860 01:36:09.279 --> 01:36:12.119 and we had just gotten together and she mentioned all this, 1861 01:36:12.680 --> 01:36:15.439 and I was just terribly worried about her. And I 1862 01:36:15.439 --> 01:36:18.920 know she has no family, and so that's why I'm 1863 01:36:18.960 --> 01:36:20.359 trying to find some help for her. 1864 01:36:20.680 --> 01:36:23.439 Does she have the means of satisfying this judgment? 1865 01:36:26.079 --> 01:36:27.399 She says she does. 1866 01:36:28.760 --> 01:36:29.840 Well, it's down. 1867 01:36:29.640 --> 01:36:33.840 To the really, the oh my god stage of I mean, 1868 01:36:33.880 --> 01:36:35.560 I don't know if she even still has a right 1869 01:36:35.640 --> 01:36:38.800 to cure. I am interested in getting Brad O'Brien on 1870 01:36:38.880 --> 01:36:41.119 the phone here. Brad one of our real estate attorneys. 1871 01:36:41.119 --> 01:36:44.640 He was in studio yesterday, and I think that would 1872 01:36:44.680 --> 01:36:47.840 really be smart of us to get his take on this, Joanna. 1873 01:36:47.840 --> 01:36:49.520 Can I put you back on hold for just a 1874 01:36:49.520 --> 01:36:51.720 little bit while we get Brad on the phone just 1875 01:36:51.760 --> 01:36:54.239 to get some really good advice straight from a guy 1876 01:36:54.279 --> 01:36:56.960 that does this every day. Yes, all right, just go 1877 01:36:57.039 --> 01:36:59.239 back on hold. We won't forget about you, and as 1878 01:36:59.239 --> 01:37:00.800 soon as we get bread on the line, we'll be 1879 01:37:00.880 --> 01:37:05.560 back to talk about this some more. Okay, Joanna, all right, 1880 01:37:05.680 --> 01:37:09.800 so hang on there, Joanna. Hey, you guys were talking about, 1881 01:37:10.199 --> 01:37:13.960 you know, the the concept of don't call these warranty 1882 01:37:13.960 --> 01:37:17.920 companies on your own and your experiences with them, just 1883 01:37:17.960 --> 01:37:21.520 to help people kind of understand why we say that 1884 01:37:21.600 --> 01:37:25.319 and the horror stories that come from people trying to 1885 01:37:25.359 --> 01:37:27.119 do it on their own. Can you share with the 1886 01:37:27.159 --> 01:37:28.159 listeners some experience. 1887 01:37:28.279 --> 01:37:30.600 Yeah, I think most people are just trying to be helpful, 1888 01:37:30.720 --> 01:37:33.039 you know, by by trying to lay everything out. But 1889 01:37:33.359 --> 01:37:34.960 you know, it's a term we used earlier. You know, 1890 01:37:35.079 --> 01:37:38.079 less is more, you know, the less you tell them. 1891 01:37:38.119 --> 01:37:41.680 I never candone lying, don't lie to them, but don't answer. 1892 01:37:41.880 --> 01:37:45.079 You know, is today Tuesday with a story just to 1893 01:37:45.119 --> 01:37:47.479 answer the questions that you know, and you shouldn't even 1894 01:37:47.479 --> 01:37:48.720 have talks to your own warranty company. 1895 01:37:48.760 --> 01:37:49.239 We do it. 1896 01:37:49.840 --> 01:37:51.399 You get you bring your car and tell me what's 1897 01:37:51.479 --> 01:37:53.560 going on. Here's my warranty. Let me know what you 1898 01:37:53.600 --> 01:37:55.439 find out and that's the end of it, right, and 1899 01:37:55.560 --> 01:37:58.279 you never hear back from anybody until we get an answer. 1900 01:37:58.720 --> 01:38:00.680 And this is what we need to do. Warranty never 1901 01:38:00.720 --> 01:38:04.279 contacts customers very very rarely, so don't get involved. It 1902 01:38:04.399 --> 01:38:07.399 just muddies everything up and it makes it harder for us, 1903 01:38:08.079 --> 01:38:10.760 you know, to make a claim for you, you know, 1904 01:38:10.800 --> 01:38:13.720 and other little tidbits we talked about, don't don't use it, 1905 01:38:13.720 --> 01:38:15.319 don't buy a car with an extended word. Are you 1906 01:38:15.359 --> 01:38:18.279 thinking that that is like a service contract? You know, 1907 01:38:18.319 --> 01:38:19.800 there's something wrong with the car, and you buy the 1908 01:38:19.840 --> 01:38:21.680 car with the warranty and the next day you call 1909 01:38:21.760 --> 01:38:25.600 the warranty company. No, No, they're gonna they're gonna decline 1910 01:38:25.640 --> 01:38:26.920 that every single time. 1911 01:38:27.319 --> 01:38:29.640 They're going to consider that pre existing exactly. 1912 01:38:30.520 --> 01:38:32.920 So yeah, and that kind of gets closer to that 1913 01:38:33.239 --> 01:38:35.119 fraud market we are we talking about. You know, we 1914 01:38:35.159 --> 01:38:38.520 talked earlier about whether the mileage that was reported for 1915 01:38:38.600 --> 01:38:40.760 the guy that was on the line with us was 1916 01:38:40.760 --> 01:38:44.239 was a material misrepresentation. I mean, I think when you 1917 01:38:44.279 --> 01:38:47.119 can say, look, it's zero point two percent of the 1918 01:38:47.159 --> 01:38:51.920 overall mileage, and and you know, this guy was trying 1919 01:38:51.960 --> 01:38:54.800 to do the honest thing and stuff. There's clearly no 1920 01:38:54.920 --> 01:38:58.640 fraud going on in that case. But if you you know, if, 1921 01:38:58.640 --> 01:39:00.760 on the other hand, you were work the thing the 1922 01:39:00.800 --> 01:39:04.680 next day and that's when you're ten thousand mile discrepancy 1923 01:39:04.720 --> 01:39:07.760 comes up or something that's a little different story that 1924 01:39:08.159 --> 01:39:11.279 begins to look like it just doesn't pass the smell test, yep, 1925 01:39:11.640 --> 01:39:14.359 And the smell test is the you know is the 1926 01:39:15.359 --> 01:39:17.960 is is really what it comes down to. And the 1927 01:39:18.000 --> 01:39:20.279 same is true in my line of work. I mean, 1928 01:39:20.279 --> 01:39:24.119 if you get a new policy of insurance and the 1929 01:39:24.159 --> 01:39:27.079 car gets stolen the next day, you can bet that 1930 01:39:27.119 --> 01:39:29.800 they're going to open a special investigation on that and 1931 01:39:29.840 --> 01:39:34.600 they're gonna look really, really, really hard at every circumstance. 1932 01:39:34.840 --> 01:39:37.880 Not saying it doesn't happen, and it doesn't happen legitimately, 1933 01:39:39.479 --> 01:39:42.399 but an awful lot of times, when it smells like 1934 01:39:42.439 --> 01:39:45.880 a rat and it looks like a rat, it probably 1935 01:39:46.000 --> 01:39:49.000 is a rat. And these insurance companies are not dumb. 1936 01:39:49.039 --> 01:39:51.119 They look at those dates too, and it sets off 1937 01:39:51.119 --> 01:39:54.239 a big red flag and they're like, yeah. 1938 01:39:53.359 --> 01:39:55.520 Well, you have to live in preparation too for that 1939 01:39:55.640 --> 01:39:58.840 day of failure, right, you know, everything you do from 1940 01:39:58.880 --> 01:40:00.960 the time you buy that car and you get that failure, 1941 01:40:01.119 --> 01:40:04.279 they're going to scrutinize. So if you're scheduled inside your 1942 01:40:04.399 --> 01:40:06.880 your owner's manual for a transmission service at thirty six 1943 01:40:06.880 --> 01:40:10.239 thousand miles, it better be before thirty six thousand miles. You 1944 01:40:10.600 --> 01:40:11.920 better be able to document it. 1945 01:40:12.119 --> 01:40:14.560 So how that's a great question, are a great point 1946 01:40:14.600 --> 01:40:16.960 because it is in this contract here that you have 1947 01:40:17.079 --> 01:40:21.439 to meet all of the the manufacturers recommended maintenance intervals. 1948 01:40:21.439 --> 01:40:25.000 So and I know I don't do that in my 1949 01:40:25.560 --> 01:40:28.239 personal vehicles. It may be plus or over by a 1950 01:40:28.279 --> 01:40:30.840 little bit or maybe even a lot, and you know, 1951 01:40:30.920 --> 01:40:31.560 I'll see. 1952 01:40:31.399 --> 01:40:34.359 Them where if if it's one mile over this regular 1953 01:40:34.520 --> 01:40:37.640 rescheduled maintenance where they have declined it just off of that. 1954 01:40:39.000 --> 01:40:41.600 So if you're doing your own oil changes, you know, 1955 01:40:41.920 --> 01:40:44.199 save the dates, save the receipts so that you can 1956 01:40:44.239 --> 01:40:46.319 prove that I bought the oil and the oil filter. 1957 01:40:46.399 --> 01:40:49.319 You can check the part number. This fits my car right, 1958 01:40:49.359 --> 01:40:50.680 and this was the date I did it, and this 1959 01:40:50.800 --> 01:40:53.520 was the mileage I did it on. But they are 1960 01:40:53.640 --> 01:40:55.800 looking for a reason to duck out, and maintenance is 1961 01:40:55.800 --> 01:40:57.159 probably the number one. 1962 01:40:57.560 --> 01:41:02.239 Of the last one, and that that carries the day 1963 01:41:02.279 --> 01:41:05.239 for him that holds water, even the one mile failure 1964 01:41:05.279 --> 01:41:06.840 to get the recommended whatever. 1965 01:41:07.159 --> 01:41:09.680 I saw a warranty once in big Bow letters on 1966 01:41:09.720 --> 01:41:11.880 the first page. If you don't change your oil within 1967 01:41:11.920 --> 01:41:16.199 fifteen hundred miles of this sale, this warranty is void. 1968 01:41:16.439 --> 01:41:19.760 Holy moly. All right, guys, hang on, we'll be right 1969 01:41:19.800 --> 01:41:21.199 back after this break. 1970 01:41:27.039 --> 01:41:30.279 Go with a sure thing Denver's Best roofer Excel Roofing 1971 01:41:30.399 --> 01:41:31.000 dot com. 1972 01:41:31.039 --> 01:41:33.039 You don't pay a cent until you're content. 1973 01:41:36.399 --> 01:41:39.960 Time for an insurance checkup free no obligation comparison call 1974 01:41:40.079 --> 01:41:43.399 Compass Insurance paying too much your coverage at dozens of 1975 01:41:43.399 --> 01:41:46.359 insurance companies find out now three O three seven seven 1976 01:41:46.399 --> 01:41:49.159 to one help. You'll think you're his only customer when 1977 01:41:49.159 --> 01:41:51.680 you choose Frank durand the real estate Man dot com 1978 01:41:51.680 --> 01:41:55.039 to list your home with Remax Alliance three three nine 1979 01:41:55.079 --> 01:42:03.199 two zero sixteen twenty two. 1980 01:42:04.840 --> 01:42:07.000 All right, good afternoon, John Fuller, coming back with the 1981 01:42:07.000 --> 01:42:11.520 Troubleshooter Network. We are getting rapidly close to the end 1982 01:42:11.520 --> 01:42:13.319 of the show today. We've got one more hour to go. 1983 01:42:13.560 --> 01:42:15.479 This is card day. You can reach us at three 1984 01:42:15.520 --> 01:42:17.520 O three seven one three eight two five five with 1985 01:42:17.560 --> 01:42:20.039 all of your problems. We have Mike Wink and Jeffick 1986 01:42:20.119 --> 01:42:23.239 and are Jeffick and Kevin Colkan in the studio and 1987 01:42:23.359 --> 01:42:25.359 on the line, we have Mike Wink who's going to 1988 01:42:25.399 --> 01:42:28.359 be joining us today as an expert, and Joanna has 1989 01:42:28.439 --> 01:42:33.479 called in Mike. Joanna is calling on behalf of her friend, 1990 01:42:33.520 --> 01:42:39.920 which is an elderly and somewhat mentally challenged lady who's 1991 01:42:39.960 --> 01:42:42.640 been living in a town home for the last forty 1992 01:42:42.720 --> 01:42:46.479 years and apparently has gotten sideways with her hoa it 1993 01:42:46.520 --> 01:42:50.840 looks like, and has reported that she's losing her home 1994 01:42:51.800 --> 01:42:55.520 in the next six or seven days. And we're kind 1995 01:42:55.520 --> 01:42:59.039 of trying to figure out what's going on. It looks 1996 01:42:59.079 --> 01:43:01.560 like she was sued and that some sort of a 1997 01:43:01.640 --> 01:43:04.279 judgment has entered, and we're not one hundred percent sure, 1998 01:43:04.800 --> 01:43:08.119 but either they're going to a foreclosure auction next week, 1999 01:43:08.199 --> 01:43:11.479 or perhaps they've already had the auction and she's coming 2000 01:43:11.520 --> 01:43:13.680 down to the date where the sheriff is going to 2001 01:43:14.239 --> 01:43:18.960 take possession of the of the town home. And and 2002 01:43:19.039 --> 01:43:21.640 so two things then came up in the conversation. One 2003 01:43:21.720 --> 01:43:24.920 is that she has a reverse mortgage on the on 2004 01:43:25.000 --> 01:43:29.199 the property, and then second, the idea that there is 2005 01:43:29.239 --> 01:43:32.960 a you know, a homestead exemption that her age over 2006 01:43:33.039 --> 01:43:36.000 seventy and certainly being you know, at risk from a 2007 01:43:36.119 --> 01:43:38.760 from a mental standpoint, would would kick in. And we thought, 2008 01:43:39.279 --> 01:43:41.880 you know, perhaps you can shed some light, Mike on 2009 01:43:43.279 --> 01:43:46.720 how that works. How does the homestead exemption work? You know, 2010 01:43:46.840 --> 01:43:49.000 what would happen in a case like this if all 2011 01:43:49.039 --> 01:43:53.000 of a sudden this lady, you know, retained a bankruptcy 2012 01:43:53.039 --> 01:43:55.800 attorney or or or did something along those lines. We're 2013 01:43:55.840 --> 01:43:59.880 just looking at options to save this this this lady 2014 01:44:00.199 --> 01:44:03.680 home and her you know, her rights are at least 2015 01:44:03.680 --> 01:44:05.880 trying to preserve her rights, Mike. 2016 01:44:06.760 --> 01:44:08.720 The other thing that the thought that I had in 2017 01:44:08.720 --> 01:44:11.119 mind was kind of a shortcut. Is there anything you 2018 01:44:11.199 --> 01:44:14.680 can do to freeze whatever is going to happen next 2019 01:44:14.720 --> 01:44:18.439 week and clean up the mess later, just to ensure 2020 01:44:18.479 --> 01:44:21.760 that this very elderly and mentally incapable lady doesn't get 2021 01:44:21.840 --> 01:44:23.680 kicked out into the street on Thursday. 2022 01:44:24.640 --> 01:44:24.920 Sure. 2023 01:44:25.279 --> 01:44:25.560 Sure. 2024 01:44:25.680 --> 01:44:25.760 So. 2025 01:44:26.319 --> 01:44:30.640 A couple of points there. Number One, the homestead exemption 2026 01:44:31.560 --> 01:44:38.199 does not applied to an HOA. The HOA could have 2027 01:44:38.239 --> 01:44:40.720 a six months of assessments through what they call a 2028 01:44:40.760 --> 01:44:46.279 statutory mean, and the home set exemption would not would 2029 01:44:46.319 --> 01:44:53.239 not protect equity against that lean, but it would to 2030 01:44:53.279 --> 01:44:55.520 the extent that there was more assessments do when they 2031 01:44:55.560 --> 01:44:57.640 got a judgment and they filed the judgment lead, which 2032 01:44:57.680 --> 01:45:00.159 they often do, so that's a little complicated. But the 2033 01:45:00.319 --> 01:45:02.760 HOA has kind of two types of leans that can get. 2034 01:45:03.359 --> 01:45:05.720 One which is a statutory lean and the home set 2035 01:45:05.760 --> 01:45:08.600 exemption doesn't fly. The other, which is a judgment lean 2036 01:45:08.640 --> 01:45:11.000 and the homestead would apply. The biggest issue though, right 2037 01:45:11.039 --> 01:45:14.199 now is has the home and sold in foreclosure or not? 2038 01:45:15.359 --> 01:45:18.199 Because if it's been sold in foreclosure, there's nothing we 2039 01:45:18.239 --> 01:45:22.119 can do now stop it because it's already happened. And 2040 01:45:22.439 --> 01:45:25.720 if it hasn't, then she can file a bankruptcy before 2041 01:45:25.760 --> 01:45:29.039 the foreclosure sale date that will effectively stop the sale 2042 01:45:29.680 --> 01:45:31.520 and then we'll have to work out, you know, paying 2043 01:45:32.239 --> 01:45:35.600 paying HOA or you know, or avoiding some of the 2044 01:45:35.760 --> 01:45:37.319 lien and maybe paying the other part. 2045 01:45:37.439 --> 01:45:40.039 That that kind of thing, right, So, Joanna, do you 2046 01:45:40.159 --> 01:45:43.199 know any more about this? Has there actually been a 2047 01:45:43.319 --> 01:45:46.159 sale that went down? I mean, what what is she 2048 01:45:46.359 --> 01:45:49.720 expecting to happen next week? Is it the eviction or 2049 01:45:49.760 --> 01:45:53.039 the actual sale that's that's coming up on her? 2050 01:45:57.159 --> 01:45:59.960 They said at ten o'clock on May eighth is when 2051 01:46:00.079 --> 01:46:04.439 the sheriff was coming. The letter said, so, is there 2052 01:46:04.439 --> 01:46:06.640 any way we could find out if it's been sold 2053 01:46:06.640 --> 01:46:07.479 in foreclosure? 2054 01:46:07.880 --> 01:46:10.640 Or how do we does the letters. 2055 01:46:10.319 --> 01:46:12.520 Say what the sheriff is going to do at ten o'clock? 2056 01:46:14.840 --> 01:46:17.680 I mean no, Unfortunately I haven't seen the letter, and 2057 01:46:19.800 --> 01:46:21.359 I guess I need to get more information. 2058 01:46:21.800 --> 01:46:23.479 Get that letter to Mike Wink right now. 2059 01:46:24.319 --> 01:46:25.880 I mean, I think, and if you give me a 2060 01:46:25.880 --> 01:46:28.399 call offline, we can do. We can do some searching 2061 01:46:28.880 --> 01:46:31.319 to try to figure out if it's It could be 2062 01:46:31.319 --> 01:46:33.880 a sheriff's sale, which would be an enforcement of a 2063 01:46:34.000 --> 01:46:38.960 judgment lead and the homestead exemption could potentially stop it, 2064 01:46:39.000 --> 01:46:43.920 but it's probably more efficient to file bankruptcy anyways to 2065 01:46:44.000 --> 01:46:45.479 definitively stop that sale. 2066 01:46:46.239 --> 01:46:50.560 Right So, Joanna, these are emergency procedures. This is not 2067 01:46:50.680 --> 01:46:53.000 something that she can sit back and wait until the end. 2068 01:46:53.000 --> 01:46:55.479 This is not a scam. This is very real and 2069 01:46:55.520 --> 01:46:57.880 if she doesn't take these steps, she does stand to 2070 01:46:58.000 --> 01:47:01.680 lose her home and be forcibly evicted from the home 2071 01:47:01.720 --> 01:47:04.560 if if she does nothing, and that's you know, that's 2072 01:47:04.560 --> 01:47:07.359 a horrible outcome, but it could easily actually happen. So 2073 01:47:07.840 --> 01:47:09.159 here's what I want to do. I want to give 2074 01:47:09.159 --> 01:47:12.640 you Mike Winks phone number. Okay, and you and you 2075 01:47:12.720 --> 01:47:14.239 need to get with your friend and the two of 2076 01:47:14.279 --> 01:47:16.439 you need to call it. Seven to two oh five 2077 01:47:16.600 --> 01:47:20.920 two three zero six to zero. Okay, seven to two 2078 01:47:21.000 --> 01:47:23.840 oh five two three zero six to zero. 2079 01:47:24.119 --> 01:47:25.680 Thank you, Mike. We appreciate your help. 2080 01:47:26.359 --> 01:47:26.800 Thank you. 2081 01:47:27.000 --> 01:47:27.960 We're going to go to a break. 2082 01:47:28.000 --> 01:47:38.960 We'll see on the other side. 2083 01:47:41.479 --> 01:47:44.760 Go with a sure thing Denver's Best roofer Excel Roofing 2084 01:47:44.840 --> 01:47:45.439 dot com. 2085 01:47:45.479 --> 01:47:47.479 You don't pay a cent until you're content. 2086 01:47:50.880 --> 01:47:54.039 Time for an insurance check up free no obligation comparison 2087 01:47:54.199 --> 01:47:57.760 call Compass Insurance paying too much your coverage at dozens 2088 01:47:57.760 --> 01:48:00.119 of insurance companies find out now three out three three 2089 01:48:00.279 --> 01:48:02.399 seven to seven to one help. You'll think you're his 2090 01:48:02.560 --> 01:48:05.159 only customer when you choose Frank durand the real estate 2091 01:48:05.239 --> 01:48:08.479 Man dot com to list your home with Remax Alliance 2092 01:48:08.720 --> 01:48:11.000 three all three nine two zero sixteen twenty two. 2093 01:48:11.880 --> 01:48:17.359 Yeah, ripped. 2094 01:48:18.840 --> 01:48:21.039 News. 2095 01:48:21.039 --> 01:48:21.920 So you don't have. 2096 01:48:24.079 --> 01:48:29.079 Come running as fast as we can show Shooter's gonna help. 2097 01:48:29.359 --> 01:48:34.000 Come man, This is the Troubleshooter Show. 2098 01:48:34.039 --> 01:48:36.239 Now, Tom Martinez. 2099 01:48:38.720 --> 01:48:41.840 Good afternoon, This is John Fuller for the Troubleshooter Network. 2100 01:48:41.920 --> 01:48:45.319 We are in the final hour of the Troubleshooter Show 2101 01:48:45.399 --> 01:48:47.800 on Friday. Here in the studio we have Jeff Vick 2102 01:48:47.840 --> 01:48:50.359 and Kevin Colchan. It is card day and we are 2103 01:48:50.520 --> 01:48:52.880 here to help you. So we help you solve problems, 2104 01:48:52.880 --> 01:48:56.159 take complaints, answer questions, uh, anything that we can do 2105 01:48:56.399 --> 01:48:59.399 relating to a car. Today is the day to call. 2106 01:48:59.560 --> 01:49:03.119 So if you have problems with your vehicle, with repairs, 2107 01:49:03.159 --> 01:49:05.840 with warranties, with anything that you have going on, by 2108 01:49:05.880 --> 01:49:08.279 all means, give us a call. But we're not limited 2109 01:49:08.319 --> 01:49:11.039 to that, so we would open the door to just 2110 01:49:11.079 --> 01:49:13.880 about any questions that you have. The lines are wide open. 2111 01:49:13.920 --> 01:49:17.159 It's three oh three seven one three eight two five five. 2112 01:49:17.920 --> 01:49:20.720 So we were talking of the break a little bit 2113 01:49:20.720 --> 01:49:23.039 about you know, a lot of things going on in 2114 01:49:23.079 --> 01:49:26.199 the world these days with with you know, tariffs and 2115 01:49:26.560 --> 01:49:29.680 all this stuff, and and one of the industries that's 2116 01:49:29.680 --> 01:49:32.640 getting hit pretty hard is the car industry. And so 2117 01:49:33.359 --> 01:49:36.119 I think that there's some you know, predictions that you 2118 01:49:36.159 --> 01:49:39.000 could make that you know, we might be entering an 2119 01:49:39.119 --> 01:49:41.239 error where people are going to be hanging onto their 2120 01:49:41.239 --> 01:49:44.319 cars a little bit longer than not. And that's going 2121 01:49:44.399 --> 01:49:46.920 to make you know, repair and maintenance all the more 2122 01:49:46.960 --> 01:49:50.880 important than maybe it already is. But it also brings 2123 01:49:50.960 --> 01:49:54.279 up an issue of challenges that you guys have in 2124 01:49:54.319 --> 01:49:57.119 this environment for things like getting the parts to do 2125 01:49:57.159 --> 01:50:00.439 your repairs and and how do you navigate eight through 2126 01:50:00.479 --> 01:50:02.399 that and tell us about some of the challenges you 2127 01:50:02.479 --> 01:50:05.359 have in that in that field and what your predictions 2128 01:50:05.359 --> 01:50:08.079 are about. You know that that markets going forward. 2129 01:50:07.760 --> 01:50:09.840 Some of it's almost old hat at this point, you know, 2130 01:50:09.880 --> 01:50:12.600 because we've been dealing with it ever since the COVID epidemic, 2131 01:50:12.640 --> 01:50:14.960 when you know a lot of manufacturing went down. I 2132 01:50:14.960 --> 01:50:17.359 mean they had enough stockpiled you know, you had enough 2133 01:50:17.359 --> 01:50:20.079 steamed roll for a while. But then once those those 2134 01:50:20.079 --> 01:50:23.520 supplies diminished, well, the cost of parts went up, the 2135 01:50:24.000 --> 01:50:26.239 rarity of them went up. You know, you'd have to 2136 01:50:26.279 --> 01:50:29.520 reatroll around the country. We're still doing that now. You know, 2137 01:50:29.600 --> 01:50:32.039 it was only speculation on our behalf that. You know, 2138 01:50:32.239 --> 01:50:34.479 they've realized that they don't have to stalk everything in 2139 01:50:34.520 --> 01:50:37.920 one place and pay taxes on that inventory. So you're 2140 01:50:37.920 --> 01:50:40.640 commonly reaching out to Okay, well this is available in Cleveland, 2141 01:50:40.720 --> 01:50:43.199 or this is available in Dallas and they're reducing their 2142 01:50:43.199 --> 01:50:45.720 footprint inside certain areas, and a. 2143 01:50:45.640 --> 01:50:47.920 Lot of times they're holding back production until they have 2144 01:50:48.039 --> 01:50:51.000 enough to run a full production run. So in other words, 2145 01:50:51.000 --> 01:50:53.680 that run maybe twenty five hundred, and they'll just pile 2146 01:50:53.760 --> 01:50:56.000 all the back orders till they have twenty five hundred 2147 01:50:56.039 --> 01:50:57.359 and then then flip the switch. 2148 01:50:58.039 --> 01:51:00.920 I remember we had a deal a few years ago, 2149 01:51:00.960 --> 01:51:05.479 and maybe it's still a factor today. But like people 2150 01:51:05.520 --> 01:51:08.319 couldn't get their cars fixed in the body shops because 2151 01:51:08.359 --> 01:51:11.279 they couldn't get body parts because of the tsunamis and 2152 01:51:11.279 --> 01:51:14.920 stuff in Japan and other natural disasters. I mean months 2153 01:51:14.920 --> 01:51:17.920 and month and months, and the collateral effects of that 2154 01:51:18.000 --> 01:51:20.239 are you know, the rental car agencies were backed up 2155 01:51:20.239 --> 01:51:22.199 because the cars were gone from month. 2156 01:51:22.039 --> 01:51:24.399 To You have dealerships that had brand new vehicles on 2157 01:51:24.439 --> 01:51:26.880 the lots that they you know, that didn't have chips 2158 01:51:26.880 --> 01:51:29.840 on them exactly, they weren't able to sell them, yep, Field, 2159 01:51:29.960 --> 01:51:32.319 I mean certain ships would show up and now the 2160 01:51:32.399 --> 01:51:34.600 vehicle was driveable. So they actually ended up selling these 2161 01:51:34.680 --> 01:51:38.760 vehicles with we owe notices to the consumer so that 2162 01:51:39.039 --> 01:51:41.760 they when when our HVAC chip comes in, you can 2163 01:51:41.800 --> 01:51:43.439 come in. We can turn that back on for you. 2164 01:51:43.680 --> 01:51:45.199 We owe it to you. But that way they could 2165 01:51:45.199 --> 01:51:46.640 at least get these things off their lots. 2166 01:51:47.000 --> 01:51:48.840 Yeah, it's nice this time of the year. You won't 2167 01:51:48.840 --> 01:51:52.199 need your air conditioning that much. You know, that's what 2168 01:51:52.239 --> 01:51:54.359 the windows are made for. You know that, the old 2169 01:51:54.399 --> 01:51:55.920 manual air conditioning and stuff. 2170 01:51:55.960 --> 01:51:57.640 So you know, but we've already started. You mean, you 2171 01:51:57.680 --> 01:52:00.880 mentioned the tariffs, and we've seen any of the dealerships. 2172 01:52:00.880 --> 01:52:03.760 It's most likely a manufacturer wide, but you know, the 2173 01:52:03.960 --> 01:52:07.159 in preparation for the tariffs, have started raising the prices 2174 01:52:07.199 --> 01:52:10.920 on certain parts, certain parts. I've had an example of 2175 01:52:10.920 --> 01:52:12.399 a part that you know, I was paying one hundred 2176 01:52:12.399 --> 01:52:14.000 and eight dollars for US now over five hundred and 2177 01:52:14.039 --> 01:52:17.720 sixty And that happened literally inside a ten days time span. 2178 01:52:17.800 --> 01:52:20.079 When I bought it ten days prior, it cost me 2179 01:52:20.079 --> 01:52:22.079 one hundred and eighty bucks. When I had to get 2180 01:52:22.079 --> 01:52:24.520 it the next time ten days after that, five hundred 2181 01:52:24.520 --> 01:52:25.359 and sixty three dollars. 2182 01:52:25.680 --> 01:52:26.479 Holy cow. 2183 01:52:26.640 --> 01:52:28.600 And sometimes you're not ready for that when you're doing 2184 01:52:28.680 --> 01:52:31.159 quotes and estimates and everything else. That's because we use 2185 01:52:31.239 --> 01:52:33.399 common so we know what parts cost and you can 2186 01:52:33.399 --> 01:52:35.920 put an estimate together, right, but you can't be off by, 2187 01:52:36.079 --> 01:52:37.840 you know, two hundred percent on. 2188 01:52:37.800 --> 01:52:38.840 A party count. 2189 01:52:39.159 --> 01:52:40.960 We've got to caller Peter on the line here with 2190 01:52:41.039 --> 01:52:43.000 a transmission issue. What's going on, Peter? 2191 01:52:45.039 --> 01:52:45.239 Hi? 2192 01:52:45.760 --> 01:52:46.119 Hello? 2193 01:52:47.279 --> 01:52:51.279 I have a twenty twenty three Toyota Camry. Okay, And well, 2194 01:52:51.279 --> 01:52:53.439 I was in the dealing dealership the other day and 2195 01:52:53.479 --> 01:52:55.680 they said it's a good idea to get the transmission 2196 01:52:55.720 --> 01:52:59.720 and fluid changed. Okay, and I have a CVC transmission 2197 01:52:59.760 --> 01:53:03.800 and I looked online about it. It says that it 2198 01:53:03.880 --> 01:53:06.279 holds eight and a half courts, but when they do 2199 01:53:06.479 --> 01:53:09.800 the transmission fluid change, it only releases three and a 2200 01:53:09.880 --> 01:53:15.560 half courts support. I'm wondering what the heck is the 2201 01:53:15.560 --> 01:53:19.600 purpose of that. Supposedly you're not supposed to change these things. 2202 01:53:19.760 --> 01:53:22.439 Well, no, I disagree entirely that you're not supposed to 2203 01:53:22.479 --> 01:53:25.479 change these things. I mean they talk about sealed transmissions 2204 01:53:25.479 --> 01:53:28.640 and lifetime fluids and lifetime units. I mean, yeah, it's 2205 01:53:28.680 --> 01:53:31.439 the lifetime of it until it breaks down. The most 2206 01:53:31.439 --> 01:53:34.319 cost effective means you can keep to keep that vehicle 2207 01:53:34.319 --> 01:53:36.760 on the road is to do that preventative maintenance. And 2208 01:53:36.840 --> 01:53:39.479 kudos to your dealership for recommending it at such an 2209 01:53:39.520 --> 01:53:41.439 early age. On this vehicle. I'm just sure that they're 2210 01:53:41.479 --> 01:53:44.119 going off of the mileage as well. But the most 2211 01:53:44.119 --> 01:53:47.920 cost effective means you can what's that you said? Absolutely, 2212 01:53:48.119 --> 01:53:50.479 the most cost effective means you can use of keeping 2213 01:53:50.479 --> 01:53:53.039 that vehicle on the road is your preventive maintenance. It 2214 01:53:53.039 --> 01:53:55.600 doesn't guarantee that you're not going to have a failure, 2215 01:53:55.600 --> 01:53:58.159 but it maximizes the longevity of that car. 2216 01:53:58.399 --> 01:53:59.439 How many miles do you have. 2217 01:53:59.439 --> 01:54:03.880 On it here, Jim, I have forty thousand? 2218 01:54:04.119 --> 01:54:04.640 Yeah, you do. 2219 01:54:05.000 --> 01:54:07.960 I recommend about every three years of thirty six thousand miles. 2220 01:54:08.359 --> 01:54:10.760 And what you're doing is you're replenishing the attitudes that 2221 01:54:10.840 --> 01:54:12.479 breakdown and that fluid over time. 2222 01:54:12.239 --> 01:54:12.760 And use. 2223 01:54:14.520 --> 01:54:16.520 Oh I see, so if they only removed three and 2224 01:54:16.520 --> 01:54:18.399 a half court and then the ad three and a 2225 01:54:18.439 --> 01:54:21.199 half courts, it's actually helping you transmit. 2226 01:54:21.279 --> 01:54:22.359 Yeah, it's kind of boosting it. 2227 01:54:23.760 --> 01:54:28.199 Yep. Absolutely. Okay, good idea, Peter. Let's get that done. Okay, 2228 01:54:28.439 --> 01:54:31.479 thanks for the call. Next, we're gonna hear from John. 2229 01:54:31.600 --> 01:54:33.399 John's got an issue about a head gasket. 2230 01:54:33.399 --> 01:54:34.000 What is going on? 2231 01:54:34.079 --> 01:54:34.319 John? 2232 01:54:34.319 --> 01:54:36.800 You've got a seventy six U Is that a Ford 2233 01:54:36.920 --> 01:54:40.119 Van E two fifty? Yeah, that would be it. 2234 01:54:40.239 --> 01:54:42.880 She's a club wagon. I had some head gasket issues. 2235 01:54:42.880 --> 01:54:45.119 I was getting oil in my cooling, so you know, 2236 01:54:45.199 --> 01:54:47.439 the thing sat for twenty years in a field. So 2237 01:54:47.640 --> 01:54:49.479 I started breaking the engine down them all the way 2238 01:54:49.479 --> 01:54:51.760 down to the heads. I was just wondering what you 2239 01:54:51.760 --> 01:54:54.159 guys would recommend. I've already got everything cleaned and prepped 2240 01:54:54.199 --> 01:54:56.800 for the head gaskets, But do you recommend adding anything 2241 01:54:57.399 --> 01:55:00.800 to help seal the head gaskets on base got back together? 2242 01:55:01.479 --> 01:55:03.840 Are there just a little copper coat spray or something 2243 01:55:03.840 --> 01:55:06.079 like that. We don't use any additives. Just helps it 2244 01:55:06.119 --> 01:55:08.520 stick on there a little bit. But uh, you make 2245 01:55:08.520 --> 01:55:10.359 sure the heads were flat? Did you put a straight 2246 01:55:10.439 --> 01:55:10.920 edge to them? 2247 01:55:11.000 --> 01:55:11.399 Check them? 2248 01:55:12.039 --> 01:55:12.199 Oh? 2249 01:55:12.239 --> 01:55:14.600 Yeah, they're nice and straight flat. The engine only has 2250 01:55:14.640 --> 01:55:16.479 fifty four thousand miles on it first. 2251 01:55:16.239 --> 01:55:17.600 Twenty six nice. 2252 01:55:17.800 --> 01:55:18.039 Yeah. 2253 01:55:18.079 --> 01:55:19.760 Other than just a little copper coat to help the 2254 01:55:19.800 --> 01:55:22.159 state the gas gets stay in place in that slip. 2255 01:55:21.880 --> 01:55:24.319 When you're putting the head on. I don't use any ceiling. 2256 01:55:24.159 --> 01:55:26.840 No, perfect, that was super easy. 2257 01:55:26.880 --> 01:55:27.119 Thanks. 2258 01:55:27.199 --> 01:55:27.840 Yeah, noise. 2259 01:55:27.880 --> 01:55:29.119 What are you going to do with that van when 2260 01:55:29.159 --> 01:55:29.880 you get it rebuilt? 2261 01:55:31.199 --> 01:55:31.479 Oh? 2262 01:55:31.520 --> 01:55:32.720 So, my wife and I want to turn it in 2263 01:55:32.800 --> 01:55:34.439 a little like camper van. Take the dogs up to 2264 01:55:34.439 --> 01:55:37.439 the mountains with So we're we got the three roads 2265 01:55:37.439 --> 01:55:39.039 of seats, we're going to ripples out. Just turn into two, 2266 01:55:39.119 --> 01:55:41.119 build a little bed some cabins back there and just 2267 01:55:41.159 --> 01:55:42.039 use it for excursion. 2268 01:55:42.239 --> 01:55:43.880 It's big enough. That's a good little bit. 2269 01:55:43.960 --> 01:55:44.159 Sure. 2270 01:55:44.239 --> 01:55:45.319 Yeah, that's a big band. 2271 01:55:45.880 --> 01:55:47.800 You and the kids and the dogs and the neighbors. 2272 01:55:47.840 --> 01:55:50.560 And he's not painting free candy on the side or 2273 01:55:50.560 --> 01:55:52.119 anything like that right into the neighborhood. 2274 01:55:52.159 --> 01:55:56.760 Yeah, taking out the window a fish. 2275 01:55:56.479 --> 01:56:00.000 Bowl right nice. Hey, thanks for the call, John, Good 2276 01:56:00.119 --> 01:56:04.760 luck with that. So before before the callers and stuff, 2277 01:56:04.800 --> 01:56:07.680 we're just kind of talking about these parts and stuff 2278 01:56:08.039 --> 01:56:09.640 and we're going to go to a break real quick. 2279 01:56:09.680 --> 01:56:11.359 But when we come back, I'm just curious, how in 2280 01:56:11.399 --> 01:56:13.680 the world do you do you bid a job when 2281 01:56:13.680 --> 01:56:15.399 you've got that. I mean, do you actually have to 2282 01:56:15.399 --> 01:56:18.039 go out and secure the parts before you do a 2283 01:56:18.199 --> 01:56:20.319 commitment to a price on a job or is it 2284 01:56:20.439 --> 01:56:22.840 just a risk that you run. So we're going to 2285 01:56:22.920 --> 01:56:25.680 do that right after this break, and we'll be here 2286 01:56:25.720 --> 01:56:26.640 for your calls as well. 2287 01:56:26.800 --> 01:56:35.800 So go with a sure thing Denver's Best roofer Excel 2288 01:56:35.920 --> 01:56:39.000 roofing dot com. You don't pay a cent until you're content. 2289 01:56:42.359 --> 01:56:45.920 Time for an insurance checkup free, no obligation. Comparison call 2290 01:56:46.039 --> 01:56:49.359 Compass Insurance paying too much your coverage at dozens of 2291 01:56:49.359 --> 01:56:52.039 insurance companies. Find out now three oh three seven to 2292 01:56:52.119 --> 01:56:52.600 seven to one. 2293 01:56:52.680 --> 01:56:52.960 Help. 2294 01:56:53.119 --> 01:56:55.760 You'll think you're his only customer when you choose Frank 2295 01:56:55.840 --> 01:56:58.279 durand the real estate Man dot com to list your 2296 01:56:58.279 --> 01:57:01.479 home with Remax Alliance three oh three nine two zero 2297 01:57:01.560 --> 01:57:11.960 sixteen twenty two. 2298 01:57:12.640 --> 01:57:16.359 All right, good afternoon, John Fuller here in the Troubleshooter Network. Hey, 2299 01:57:16.560 --> 01:57:18.560 you know Doc has a tendency to try to sneak 2300 01:57:18.560 --> 01:57:22.439 out on these shows sometimes, so before the show gets over, 2301 01:57:22.520 --> 01:57:26.560 I just wanted to point out Denver beon alert. It 2302 01:57:26.680 --> 01:57:32.079 is National Naked Gardening Day on the third of May, 2303 01:57:32.119 --> 01:57:36.800 which I think is tomorrow. So Doc, I'm sure you're 2304 01:57:36.800 --> 01:57:37.600 gonna be celebrated. 2305 01:57:38.279 --> 01:57:41.800 I will tell you I consider gardening to be manual labor, 2306 01:57:42.079 --> 01:57:44.439 and I gave that up about thirty five years ago. 2307 01:57:45.119 --> 01:57:47.760 So people, I can't understand why people like the garden. 2308 01:57:48.079 --> 01:57:51.600 You're out in the hot sun much less naked. Right, 2309 01:57:52.159 --> 01:57:54.359 So I will not be naked gardening or any kind 2310 01:57:54.399 --> 01:57:54.960 of gardening. 2311 01:57:55.279 --> 01:57:56.880 All right, Well, if you know, he didn't say he 2312 01:57:56.880 --> 01:57:57.640 wouldn't be naked. 2313 01:57:57.680 --> 01:57:59.720 He would naked, He just not gotta be gardener. 2314 01:58:00.239 --> 01:58:02.199 I will be out with my camera documenting it. 2315 01:58:02.760 --> 01:58:05.119 All right, Well, I would say report back, but I'm 2316 01:58:05.159 --> 01:58:08.319 afraid of what you'd be taking pictures with the poker 2317 01:58:08.359 --> 01:58:12.800 games and everything else happened before John, I'm quite sure 2318 01:58:12.800 --> 01:58:13.199 of that. 2319 01:58:13.199 --> 01:58:14.239 That's the scary part. 2320 01:58:14.760 --> 01:58:17.239 Actually. The interesting thing was that they rated all the 2321 01:58:17.279 --> 01:58:22.680 major cities around around the country for you know, to 2322 01:58:22.880 --> 01:58:28.000 rank the most favorable cities for naked gardening. Number one 2323 01:58:28.199 --> 01:58:30.880 was Miami, which kind of makes sense to a degree 2324 01:58:30.920 --> 01:58:33.840 just from a weather standpoint. Denver didn't do so hot though. 2325 01:58:33.880 --> 01:58:36.800 Denver was like three hundred and eightieth out of five 2326 01:58:36.920 --> 01:58:39.800 hundred cities. And I think a good chunk of it 2327 01:58:39.880 --> 01:58:42.760 might have been climate. But you know, May it's usually 2328 01:58:42.800 --> 01:58:45.439 pretty nice in Denver, so I don't know how how 2329 01:58:46.079 --> 01:58:48.920 big of a factor that was. But anyway, that's tomorrow 2330 01:58:49.039 --> 01:58:50.319 for those of you that are interested. 2331 01:58:50.399 --> 01:58:51.239 You can look that up. 2332 01:58:51.279 --> 01:58:56.000 So before the break, we were talking to Jeff and 2333 01:58:56.079 --> 01:59:01.800 Kevin about, you know, the challenges of ricing and anticipating 2334 01:59:01.800 --> 01:59:03.640 what things are going to cost, and just kind of 2335 01:59:03.640 --> 01:59:06.600 some some challenges that you guys have in this day 2336 01:59:06.640 --> 01:59:08.840 and age, and it makes total sense of it's been 2337 01:59:08.840 --> 01:59:11.159 going on since COVID, But I don't think it's going 2338 01:59:11.199 --> 01:59:14.039 to get any better anytime soon. So what are you 2339 01:59:14.119 --> 01:59:16.600 doing to kind of get ahead of that and to 2340 01:59:16.720 --> 01:59:19.319 stay competitive and be you know, be nimble. 2341 01:59:19.479 --> 01:59:22.920 Well, most of our estimates and parts searches everything else 2342 01:59:22.920 --> 01:59:26.239 are digital, so we do get up to date pricing 2343 01:59:26.279 --> 01:59:29.039 when we look up parts and availability, so we don't 2344 01:59:29.079 --> 01:59:32.479 we don't get shocked too often. Only if we assume 2345 01:59:32.520 --> 01:59:34.800 we know a price on something and quoted kind of 2346 01:59:34.800 --> 01:59:37.079 off the cuff is the only time you'd run into trouble. 2347 01:59:37.439 --> 01:59:40.039 But yeah, I know, it's all online, it's all digital. 2348 01:59:40.159 --> 01:59:42.680 It's all you know, click click, click, and the estimate 2349 01:59:42.760 --> 01:59:45.159 builds itself basically from what we find. 2350 01:59:45.199 --> 01:59:47.039 But you know, sometimes you got to search. 2351 01:59:47.079 --> 01:59:50.640 Sometimes they show a part in stock available, you go 2352 01:59:50.720 --> 01:59:53.079 to order it and there was a mistake. 2353 01:59:54.159 --> 01:59:57.760 Or has been held for internal purposes only. Yep, you know, 2354 01:59:57.880 --> 01:59:59.920 you get that a lot of the dealerships where they 2355 02:00:00.119 --> 02:00:02.199 know that in low supply of say a lead frame 2356 02:00:02.239 --> 02:00:06.199 for a Ford six or eight f one fifty, well yeah, 2357 02:00:06.239 --> 02:00:07.119 we've got three of them. 2358 02:00:07.119 --> 02:00:09.720 But we need them here for our purposes. We won't sell. 2359 02:00:09.560 --> 02:00:10.640 Them, right. 2360 02:00:11.000 --> 02:00:14.960 You talked earlier about kind of wheeling and dealing with 2361 02:00:15.000 --> 02:00:17.159 some of these dealerships to get them to actually sell 2362 02:00:17.239 --> 02:00:19.560 you part. So does that happen a lot? 2363 02:00:19.760 --> 02:00:22.159 It's happening more and more because dealers don't want to 2364 02:00:22.199 --> 02:00:24.920 work with each other. A Ford dealer in Texas didn't 2365 02:00:24.920 --> 02:00:27.600 want to sell the part to Larry Miller Ford. So 2366 02:00:27.880 --> 02:00:29.920 I got the number for the Ford dealer in Texas 2367 02:00:29.920 --> 02:00:31.800 and called them up and had to pay fifty bucks 2368 02:00:31.800 --> 02:00:34.359 more for the part. But it was two in the country. 2369 02:00:34.399 --> 02:00:38.039 So you started that conversation by saying that joke. Larry Miller. 2370 02:00:38.199 --> 02:00:40.439 You know, I'm going to give him the time of day. 2371 02:00:40.479 --> 02:00:43.560 I can appreciate why you'd hate him. So while I 2372 02:00:43.600 --> 02:00:46.920 got you on the phone and help. But notice you 2373 02:00:46.960 --> 02:00:49.159 got this little part back there in the old computer. 2374 02:00:49.680 --> 02:00:52.720 It's it's horse training, it is, I mean sometimes and 2375 02:00:52.840 --> 02:00:55.279 sometimes it's a lot of work funding parts. Like I said, 2376 02:00:55.319 --> 02:00:58.279 I never thought I'd purchased stuff on eBay, But you 2377 02:00:58.319 --> 02:01:00.800 get some oe parts that guys are aling on eBay. 2378 02:01:00.840 --> 02:01:02.880 They're still in the toad of box, They're still in 2379 02:01:02.880 --> 02:01:04.520 the Chrysler box, they're. 2380 02:01:04.319 --> 02:01:07.760 Not the only premium for it. In most cases, those 2381 02:01:07.800 --> 02:01:10.439 for them. Same thing with Amazon. The thing you got 2382 02:01:10.479 --> 02:01:12.119 to be careful though, is we do run into a 2383 02:01:12.119 --> 02:01:15.520 lot of counterfeit parts inside those situations. It was sometimes 2384 02:01:15.560 --> 02:01:18.119 even boxed up and so what looks like a manufacturer's 2385 02:01:18.119 --> 02:01:20.600 box and you get it out and it's very obvious 2386 02:01:20.640 --> 02:01:22.600 that this is not a manufacturer's part. 2387 02:01:22.840 --> 02:01:25.800 Now are those where are those coming from? Are those Chinese? 2388 02:01:25.920 --> 02:01:29.920 Kind of once again, that's most likely where they're coming from. Yeah, 2389 02:01:30.039 --> 02:01:32.439 And it's you know, it's not just for for you know, 2390 02:01:32.560 --> 02:01:35.479 like I say, dealership or manufacturer type parts. You know, 2391 02:01:35.560 --> 02:01:37.960 we deal with other companies because we actually build the 2392 02:01:37.960 --> 02:01:40.279 transmissions in house. So we'll deal with companies like Transco 2393 02:01:40.439 --> 02:01:43.199 or sawn x uh, you know, and we'll get parts 2394 02:01:43.239 --> 02:01:45.720 to look like it's in a Saunax bag and it 2395 02:01:45.800 --> 02:01:47.079 is not a Saunax. 2396 02:01:46.760 --> 02:01:48.800 Part, and that part is not reliable. 2397 02:01:50.680 --> 02:01:52.880 The hard part is too, you know, even when you 2398 02:01:52.880 --> 02:01:55.439 know we've gone through a rash of problems with parts 2399 02:01:55.640 --> 02:01:58.800 bad right out of the box coming from manufacturers, not 2400 02:01:58.880 --> 02:02:01.359 just dealerships, not just you know, like Dodge or Ford 2401 02:02:01.439 --> 02:02:03.920 or anything like that. But you know, the quality control 2402 02:02:03.960 --> 02:02:06.800 has gone way down or of course probably the last 2403 02:02:06.840 --> 02:02:07.720 three or four years. 2404 02:02:07.800 --> 02:02:09.880 But then that's that's going to be across the board 2405 02:02:09.920 --> 02:02:12.600 like you and all the other dealerships and everybody else 2406 02:02:12.640 --> 02:02:15.439 and everybody those parts are down with those failures. Yeah, 2407 02:02:15.560 --> 02:02:16.960 everybody's suffering those failures. 2408 02:02:17.079 --> 02:02:19.600 The frustration is when you can't pretest the part right, 2409 02:02:19.720 --> 02:02:22.000 not all parts can be pretested, and you got an 2410 02:02:22.039 --> 02:02:24.119 eight hour job to put it together to find out 2411 02:02:24.119 --> 02:02:25.000 it's now good. 2412 02:02:26.119 --> 02:02:27.960 Or you know, I mean I mentioned Dodge that we 2413 02:02:28.039 --> 02:02:29.920 talked about this several weeks ago. You know, I had 2414 02:02:29.920 --> 02:02:32.840 a particular Dodge pickup. We had to change the food 2415 02:02:32.880 --> 02:02:36.279 body on it four times and we would go out, 2416 02:02:36.319 --> 02:02:38.680 it would work fine. Customers back on the horn here 2417 02:02:38.720 --> 02:02:40.680 about two or three months because it's failed again. 2418 02:02:41.760 --> 02:02:43.279 So how does that work? 2419 02:02:43.920 --> 02:02:46.960 Like financially, it's a guy buying it four times over? 2420 02:02:47.760 --> 02:02:50.840 Want what warranties for you're able to actually go back 2421 02:02:50.880 --> 02:02:52.079 and get that covered as a. 2422 02:02:52.439 --> 02:02:55.800 What we can get the part covered? The labor you 2423 02:02:55.800 --> 02:02:58.720 guys have to eat that or or yes, really yes 2424 02:03:00.479 --> 02:03:02.239 that is crazy, but that's why. 2425 02:03:02.079 --> 02:03:04.199 You have to have your business model set up to 2426 02:03:04.239 --> 02:03:05.199 absorb those charges. 2427 02:03:05.279 --> 02:03:07.359 Yeah, comebacks are going to happen. Nobody likes them, that 2428 02:03:07.600 --> 02:03:10.159 nobody wants to talk about them. But they're gonna happen. 2429 02:03:10.600 --> 02:03:12.920 Whether it's your fault or the part's fault, or whatever 2430 02:03:12.920 --> 02:03:14.439 the case may be, they're gonna. 2431 02:03:14.159 --> 02:03:16.399 Happen, especially with a good warranty. 2432 02:03:16.439 --> 02:03:19.119 We have a three year, thirty six thousand mile nationwide 2433 02:03:19.600 --> 02:03:22.880 and the same customers like Teaser. It's like you old boomers, 2434 02:03:22.920 --> 02:03:25.439 get rid of these cars. I'm tired of warranting stuff, 2435 02:03:26.239 --> 02:03:26.520 you know. 2436 02:03:26.800 --> 02:03:29.239 But is that a warranty that you buy on behalf 2437 02:03:29.279 --> 02:03:33.279 of your customer? It is on that particular compensated warranty. 2438 02:03:33.319 --> 02:03:36.640 We get compensated through NAPA for that warranty. Okay, yeah, 2439 02:03:36.680 --> 02:03:38.560 so it's not we don't pay the full boat, but 2440 02:03:38.600 --> 02:03:40.239 we pay half of it. But I mean, you're not 2441 02:03:41.800 --> 02:03:45.199 you're not you're not actually providing the warranty. You're not 2442 02:03:45.279 --> 02:03:47.079 the guaranteur of no, no. 2443 02:03:46.840 --> 02:03:49.520 No, no, it's it's a nap out of care warranty. Yeah, 2444 02:03:49.520 --> 02:03:51.840 that's exactly the opposite for us. I am the warranty. 2445 02:03:53.239 --> 02:03:55.279 So it's all lands. 2446 02:03:55.000 --> 02:03:55.600 On my back. 2447 02:03:55.840 --> 02:03:59.800 Okay. That's scary, it can be. 2448 02:04:00.039 --> 02:04:02.239 I mean, it's scary with with what you're saying that 2449 02:04:02.600 --> 02:04:04.800 you know, parts are showing up that work for two 2450 02:04:04.840 --> 02:04:07.439 months and then go out, and that could put you 2451 02:04:07.479 --> 02:04:08.319 in a buying It. 2452 02:04:08.359 --> 02:04:09.880 Can put you in a big bind. It depends on 2453 02:04:09.880 --> 02:04:12.000 the part. It could be a very expensive repair. 2454 02:04:12.319 --> 02:04:14.800 But depending on your customer and your communication, it could 2455 02:04:14.800 --> 02:04:17.920 be very, very uncomfortable. You know, second or third time, 2456 02:04:17.960 --> 02:04:20.680 they start doubting what you're doing, and you do yourself. 2457 02:04:21.279 --> 02:04:23.680 You know, you start asking, what's the chances of this 2458 02:04:23.680 --> 02:04:25.199 thing going out four different times? 2459 02:04:25.199 --> 02:04:27.159 What are we missing? What are we not seeing? 2460 02:04:27.279 --> 02:04:29.640 It's hard not to not to point the finger at 2461 02:04:29.680 --> 02:04:32.279 the guy turning the wrench when you're having that kind 2462 02:04:32.279 --> 02:04:32.920 of an outcome. 2463 02:04:33.399 --> 02:04:34.520 Well, I can say problem. 2464 02:04:34.520 --> 02:04:37.560 I may show my patients signed a release that they 2465 02:04:37.560 --> 02:04:38.920 wouldn't give the babies back to me. 2466 02:04:39.880 --> 02:04:41.039 They were non refundible. 2467 02:04:41.720 --> 02:04:44.039 But the difference between a mechanic and a doctor is 2468 02:04:44.039 --> 02:04:45.479 you guys get to bury your comebacks. 2469 02:04:48.560 --> 02:04:54.000 Wow, no response on that one, doctor, It's naked gardening day? 2470 02:04:54.039 --> 02:04:58.680 Did you know that? All right, So we're gonna go 2471 02:04:58.720 --> 02:05:00.159 to a break here in just a second week. We've 2472 02:05:00.199 --> 02:05:02.479 got a couple more segments here. There's just enough time 2473 02:05:02.479 --> 02:05:04.319 for you to get on the phone and give us 2474 02:05:04.359 --> 02:05:06.359 a call at three O three seven one three eight 2475 02:05:06.399 --> 02:05:09.279 two fivety five. Rounding out the day, we've got Jeff 2476 02:05:09.359 --> 02:05:13.079 Vick and Kevin Calkin. We do have one more fraud 2477 02:05:13.119 --> 02:05:15.960 alert from Dimitri here coming up before we're done, and 2478 02:05:16.000 --> 02:05:17.880 it looks like we've got Chris getting teed up on 2479 02:05:17.920 --> 02:05:19.760 the line, so quick break. We'll be right back to 2480 02:05:19.800 --> 02:05:21.039 take your calls and help you out. 2481 02:05:27.319 --> 02:05:30.600 Go with a sure thing Denver's best roofer Excel Roofing 2482 02:05:30.680 --> 02:05:33.319 dot com. You don't pay a cent until you're content. 2483 02:05:36.720 --> 02:05:39.920 Time for an insurance check up free, no obligation. In comparison, 2484 02:05:40.039 --> 02:05:43.600 call Compass Insurance paying too much your coverage at dozens 2485 02:05:43.600 --> 02:05:46.319 of insurance companies find out now three all three seven 2486 02:05:46.359 --> 02:05:48.640 to seven to one help. You'll think you're his only 2487 02:05:48.800 --> 02:05:51.239 customer when you choose Frank durand the real estate Man 2488 02:05:51.319 --> 02:05:54.760 dot com to list your home with Remax Alliance three 2489 02:05:54.760 --> 02:05:56.880 oh three nine two zero sixteen twenty two. 2490 02:06:05.520 --> 02:06:08.319 All right, welcome back John Fuller here on the Troubleshooter Network, 2491 02:06:08.680 --> 02:06:12.039 asking youself receive We have a number of callers lined 2492 02:06:12.119 --> 02:06:15.439 up to work through here. Everybody, hang on, we will 2493 02:06:15.479 --> 02:06:18.680 get to you. This is John Fuller on the Troubleshooter Network, 2494 02:06:18.720 --> 02:06:22.239 and we are here to take your calls on anything 2495 02:06:22.279 --> 02:06:24.399 and everything. But we have two experts in the house, 2496 02:06:24.479 --> 02:06:27.319 Jeff Vick and Kevin Coulkin, who are our car experts. 2497 02:06:27.640 --> 02:06:29.439 And so the first call we're going to go to 2498 02:06:29.560 --> 02:06:32.039 is Chris with a question about engine parts and warranty. 2499 02:06:32.039 --> 02:06:33.000 What's going on? Chris? 2500 02:06:34.159 --> 02:06:35.199 Hi, John, how are you doing? 2501 02:06:35.279 --> 02:06:36.560 Good? Thanks? What's going on? 2502 02:06:37.760 --> 02:06:38.039 Sure? 2503 02:06:38.199 --> 02:06:42.760 So, I have a twenty fifteen Chevy Silverado fifteen hundred. 2504 02:06:43.800 --> 02:06:46.319 I just put a brand new engine in it, and 2505 02:06:46.880 --> 02:06:49.640 I wanted to look at doing a couple of aftermarket 2506 02:06:49.800 --> 02:06:53.079 items to try to ensure I don't have the same 2507 02:06:53.159 --> 02:06:57.479 problem again that I had. And I was curious to 2508 02:06:57.520 --> 02:07:01.079 know if these parts would void the man factor's warranty 2509 02:07:01.279 --> 02:07:04.840 on the new engine. It came with the GM factory 2510 02:07:05.359 --> 02:07:07.279 three year, one hundred thousand mile warranty. 2511 02:07:07.640 --> 02:07:09.319 Okay, what parts are you thinking about? 2512 02:07:09.399 --> 02:07:09.680 So I was. 2513 02:07:10.800 --> 02:07:14.279 I was looking at doing a air oil separator catch 2514 02:07:14.319 --> 02:07:23.359 scan and also doing a range module the AFM DFM disabler, 2515 02:07:24.159 --> 02:07:26.279 and I didn't know if that would affect the warranty. 2516 02:07:26.760 --> 02:07:28.520 Okay, I didn't even know that. 2517 02:07:28.720 --> 02:07:30.840 Yeah, the rates might. 2518 02:07:31.960 --> 02:07:35.520 I would definitely check with GM specifically on that because 2519 02:07:35.560 --> 02:07:38.760 that could be considered a modification and that could fall 2520 02:07:38.800 --> 02:07:43.680 within that exclusion. Yes, that would be a costa possibly. 2521 02:07:43.760 --> 02:07:45.920 I mean I would definitely get clarification on it for 2522 02:07:46.000 --> 02:07:49.479 which one the second one the range modifier, but the 2523 02:07:49.560 --> 02:07:51.760 other error, I mean short of a cold air. A 2524 02:07:51.800 --> 02:07:54.079 lot of cold airs are will void your warranty. I 2525 02:07:54.119 --> 02:07:55.319 don't think that one will though. 2526 02:07:56.560 --> 02:07:59.319 I think he was talking about a catchcan, which correct 2527 02:07:59.359 --> 02:08:02.279 me if I'm wrong. That comes out of the the 2528 02:08:02.359 --> 02:08:07.359 PCV valve and it separates the oil from the air 2529 02:08:07.399 --> 02:08:11.119 before the air gets reinjected into the intake manifold, and 2530 02:08:11.159 --> 02:08:15.239 then once in a while you you never residual oil. 2531 02:08:15.439 --> 02:08:17.720 So is that, Chris? Is that Did I get that right? 2532 02:08:17.800 --> 02:08:19.840 Is that the catch can that you were talking about? 2533 02:08:21.079 --> 02:08:24.479 Yeah, it's a product, it's the K and N catch 2534 02:08:24.520 --> 02:08:28.800 can separates the water and the sludge that's in the 2535 02:08:28.840 --> 02:08:30.960 oil from going back down into the engine. 2536 02:08:31.479 --> 02:08:31.680 Yeah. 2537 02:08:31.680 --> 02:08:33.960 And I think the idea correct me if I'm wrong, Chris, 2538 02:08:33.960 --> 02:08:36.479 But I think the idea is that you keep that 2539 02:08:36.960 --> 02:08:40.800 oil from re entering the intake side, and so you 2540 02:08:40.800 --> 02:08:43.159 you you've reduced the amount of build up and gunk 2541 02:08:43.199 --> 02:08:45.359 and carbon and all that stuff and the intake valves. 2542 02:08:45.399 --> 02:08:47.520 Is that? Is that the idea behind the cash can? 2543 02:08:48.800 --> 02:08:49.760 Yeah, that's it. 2544 02:08:51.800 --> 02:08:55.279 Yeah, I mean I in theory, it doesn't sound like 2545 02:08:55.319 --> 02:08:58.000 something that would be considered a modification. But I think 2546 02:08:58.039 --> 02:09:00.359 on a new engine, where you've got that valuable warranty 2547 02:09:00.399 --> 02:09:02.760 from the factory and stuff, you may want to run 2548 02:09:02.800 --> 02:09:03.840 it up the flagpole with that. 2549 02:09:04.199 --> 02:09:05.119 I see, I'd ask him. 2550 02:09:05.239 --> 02:09:07.039 I would, yeah, because I don't see how that would 2551 02:09:07.119 --> 02:09:09.199 but you just never know how they would read it. 2552 02:09:09.319 --> 02:09:11.000 Yeah, what did that new engine cost? 2553 02:09:11.039 --> 02:09:11.439 Here? 2554 02:09:13.439 --> 02:09:16.479 All said and done, it was fifteen thousand, two hundred dollars. 2555 02:09:17.920 --> 02:09:20.600 Sounds reasonable for a brand new engine Dutch. You think, well, Reman, 2556 02:09:21.239 --> 02:09:23.479 Oh it's Reman not buying you out of the factory, don't. 2557 02:09:23.520 --> 02:09:24.800 They don't have new ones anymore. 2558 02:09:26.840 --> 02:09:28.680 I kind of saw it as I just bought a 2559 02:09:28.680 --> 02:09:32.039 brand new truck for fifteen thousand dollars. Oh it's seventeen 2560 02:09:32.079 --> 02:09:32.920 thousand dollars. 2561 02:09:33.119 --> 02:09:38.920 So true. Yeah, I mean that that totally makes sense. 2562 02:09:38.960 --> 02:09:40.800 I don't see why you wouldn't do that. If you've 2563 02:09:40.800 --> 02:09:43.520 got a nice you know, a nice chassis, a nice truck, 2564 02:09:43.640 --> 02:09:46.039 and that that's all you need to do. Absolutely, that 2565 02:09:46.079 --> 02:09:49.640 makes total sense. So anything else there, Chris. 2566 02:09:50.600 --> 02:09:51.920 No, that I should take care of it. I thank 2567 02:09:51.920 --> 02:09:53.760 you for the information, all right, good. 2568 02:09:53.680 --> 02:09:57.560 Luck to you, partner. So I mean again, I think 2569 02:09:57.600 --> 02:09:59.840 that's something we're going to start seeing more and more of, 2570 02:10:00.079 --> 02:10:03.159 as you know, as the economy kind of changes around here. 2571 02:10:03.640 --> 02:10:06.199 You know, even if this this whole tariff thing gets 2572 02:10:06.279 --> 02:10:09.119 undone by the wave of a magic wand I think 2573 02:10:09.159 --> 02:10:10.760 the effects of it are going to take a while 2574 02:10:10.800 --> 02:10:11.720 to work through the system. 2575 02:10:11.880 --> 02:10:14.279 We have been experiencing that already since COVID. 2576 02:10:14.359 --> 02:10:17.479 Yeah, people are putting our average ticket price has gone 2577 02:10:17.640 --> 02:10:22.279 up probably twenty percent over the last three years. It 2578 02:10:22.319 --> 02:10:24.640 has because people are putting more money into the car 2579 02:10:24.720 --> 02:10:27.960 to keep it. Like he said, seventy grand to buy 2580 02:10:27.960 --> 02:10:29.640 a new truck. It's a lot of money. 2581 02:10:29.720 --> 02:10:32.439 Yeah, I mean during COVID, we were seeing vehicles so heck, 2582 02:10:32.520 --> 02:10:34.600 some of them didn't know we're even still on the road, 2583 02:10:34.760 --> 02:10:37.520 you know, And people were putting good money into these 2584 02:10:37.600 --> 02:10:39.800 cars keeping them running because they couldn't go get a 2585 02:10:39.880 --> 02:10:42.079 new car between the cost of what you know, people 2586 02:10:42.159 --> 02:10:44.039 were paying a premial just to buy a new car. 2587 02:10:44.039 --> 02:10:46.359 It was MSRP for thirty thousand dollars, but you're going 2588 02:10:46.399 --> 02:10:48.239 to have to pay us thirty six thousand dollars if 2589 02:10:48.279 --> 02:10:49.239 you actually want to buy. 2590 02:10:49.039 --> 02:10:50.800 The car, if you could actually even find it. 2591 02:10:51.079 --> 02:10:54.079 And then financing rates, the interest rates were so high 2592 02:10:54.079 --> 02:10:56.359 that that pushed people out, and now we're getting tariffs. 2593 02:10:56.680 --> 02:10:59.000 It's just going to continue to perpetuate where people are 2594 02:10:59.039 --> 02:11:01.359 relegated to repair as apposed to replace. 2595 02:11:01.880 --> 02:11:05.920 Yeah, I think you're absolutely right. We have open lines again. 2596 02:11:06.039 --> 02:11:07.840 The phone number here in the studio is three oh 2597 02:11:07.880 --> 02:11:10.760 three seven one three eight two five five. If you 2598 02:11:10.760 --> 02:11:12.880 were holding just a moment ago, give us a shout back. 2599 02:11:12.920 --> 02:11:15.319 We'll get you right on the air. In the meantime, 2600 02:11:15.359 --> 02:11:18.760 we're going to shift gears a little bit. We always 2601 02:11:18.760 --> 02:11:21.119 try to keep you abreast of news scams that come 2602 02:11:21.159 --> 02:11:24.439 online that we're aware of that you can help avoid 2603 02:11:24.520 --> 02:11:28.119 making those mistakes as well. And Dmitri has one that 2604 02:11:28.159 --> 02:11:30.720 we want to share. What's going on, Dmitri. 2605 02:11:30.640 --> 02:11:33.720 John, It's probably the most sophisticated scam that I've ever 2606 02:11:33.720 --> 02:11:36.359 seen somebody try to pull on me, and it happened 2607 02:11:36.359 --> 02:11:38.439 at the beginning of last week. Just a few minutes 2608 02:11:38.479 --> 02:11:41.960 after the show ended, I got a text message from 2609 02:11:42.000 --> 02:11:44.319 my bank where I have a checking account and a 2610 02:11:44.319 --> 02:11:47.520 debit card that's associated with that checking account, and it 2611 02:11:47.680 --> 02:11:52.000 warned me of some suspicious transactions on my debit card. 2612 02:11:52.720 --> 02:11:56.880 Within a few minutes, I also had a voicemail and 2613 02:11:56.960 --> 02:12:01.079 an email, And now the voicemail said, hey, we've deactivated 2614 02:12:01.119 --> 02:12:02.840 your debit card. Can you call us at this eight 2615 02:12:02.960 --> 02:12:06.800 hundred number to verify these transactions? And the email had 2616 02:12:06.800 --> 02:12:08.920 a very similar message, but it provided me with a 2617 02:12:08.960 --> 02:12:11.600 couple of links to clink to take a look at 2618 02:12:11.640 --> 02:12:16.119 my statements. And before I called or clicked and anything, 2619 02:12:16.279 --> 02:12:19.640 I googled the eight hundred numbers and they did not 2620 02:12:19.920 --> 02:12:23.640 come back to my bank. They were just no results 2621 02:12:23.720 --> 02:12:27.199 found kind of eight hundred numbers. So instead of responding 2622 02:12:27.239 --> 02:12:30.319 to any of these, I simply drove to one of 2623 02:12:30.359 --> 02:12:32.720 the branches of my bank and they know me over 2624 02:12:32.760 --> 02:12:34.960 there because I go in for my business reasons about 2625 02:12:35.039 --> 02:12:38.880 at least once a week of it deposit checks, and 2626 02:12:39.199 --> 02:12:41.960 they took a look, They listened to the voicemail, they 2627 02:12:41.960 --> 02:12:45.520 looked at my account and they said, you know, the 2628 02:12:45.560 --> 02:12:48.479 text message is legitimate, that did come from us, And 2629 02:12:48.520 --> 02:12:50.479 they checked my account and sure enough, there's a fraud 2630 02:12:50.479 --> 02:12:55.159 alert and they deactivated the debit card. They said, but 2631 02:12:55.239 --> 02:12:57.479 we did not send you this email, we did not 2632 02:12:58.079 --> 02:13:00.520 call you, and we did not leave you this far voicemail. 2633 02:13:01.079 --> 02:13:05.279 So I looked at the fraudulent charges they and what 2634 02:13:05.399 --> 02:13:08.960 really struck me is they it was a series of 2635 02:13:09.159 --> 02:13:12.880 three four hundred and eighty three dollars charges to a 2636 02:13:12.920 --> 02:13:18.800 PayPal account. And what I think happened is this scammer 2637 02:13:19.199 --> 02:13:22.840 didn't set out to rip me off of four hundred 2638 02:13:22.840 --> 02:13:29.520 eighty three bucks. The scammer specifically targeted or specifically set 2639 02:13:29.600 --> 02:13:32.760 up the series of transactions to trigger the fraud alert. 2640 02:13:33.720 --> 02:13:37.000 And then when I saw their idea was that when 2641 02:13:37.039 --> 02:13:39.680 I saw that my debit card wasn't working anymore, I 2642 02:13:39.680 --> 02:13:42.760 would respond either to their voicemail or I would click 2643 02:13:42.800 --> 02:13:45.319 on those links and they would get the rest of 2644 02:13:45.319 --> 02:13:48.560 the bank account information from me that way. So I 2645 02:13:48.560 --> 02:13:52.279 thought the sophisticated part was they sacrificed the four hundred 2646 02:13:52.319 --> 02:13:55.239 eighty three bucks by charging it three times because they 2647 02:13:55.319 --> 02:13:59.920 knew this would trigger. And the scary part was they 2648 02:14:00.159 --> 02:14:03.000 you because all of these communications had the name of 2649 02:14:03.039 --> 02:14:06.920 my bank, they had the last four digits of my 2650 02:14:08.520 --> 02:14:11.399 debit card, they had my email address, and they had 2651 02:14:11.399 --> 02:14:15.560 my phone number. So the scary part was how sophisticated 2652 02:14:16.000 --> 02:14:19.680 and how much information they already had about me, including 2653 02:14:19.720 --> 02:14:20.800 my debit card number. 2654 02:14:21.439 --> 02:14:24.359 Yeah, I mean that is frightening. And that's no different 2655 02:14:24.399 --> 02:14:27.520 than the you know, all these other scam chifts have 2656 02:14:27.560 --> 02:14:30.439 an amazing amount of information on you. My question is, 2657 02:14:30.760 --> 02:14:34.000 why do you use a debit card anymore? All the 2658 02:14:34.079 --> 02:14:35.279 risks associated with that. 2659 02:14:35.359 --> 02:14:37.840 I mean, it's just why in the world would you 2660 02:14:37.880 --> 02:14:38.199 do that. 2661 02:14:38.439 --> 02:14:41.239 I don't use it, but it came with my checking account, 2662 02:14:41.720 --> 02:14:45.479 and I used my checking account all the time. And 2663 02:14:45.720 --> 02:14:47.960 I mean I can count on one hand or one 2664 02:14:48.000 --> 02:14:50.199 finger how many times I've used a debit card for 2665 02:14:50.279 --> 02:14:52.279 some internet purchase. I do have credit cards that I 2666 02:14:52.359 --> 02:14:56.840 use for for credit card purchases, but so I just 2667 02:14:56.920 --> 02:14:58.880 have it because it came with a bank account. 2668 02:14:59.079 --> 02:15:01.680 Okay, we're going to go to the phones here real quick. 2669 02:15:01.720 --> 02:15:04.399 We've got Patrick waiting. We'll try to get at least 2670 02:15:04.439 --> 02:15:06.279 Patrick started here. What's going on? Patrick? 2671 02:15:06.319 --> 02:15:08.600 You've got a car about rebuilt or a question about car? 2672 02:15:08.720 --> 02:15:12.359 Yeah, I need a generator. I have an old thirty 2673 02:15:12.359 --> 02:15:15.399 five forward and I need the six fold generator rebuilt 2674 02:15:15.479 --> 02:15:17.760 to you guys know anybody that can do that. 2675 02:15:18.399 --> 02:15:22.279 It's I don't enough generator. I don't enough Generator Exchange 2676 02:15:22.319 --> 02:15:25.319 is still around. They used to be at forty fourth 2677 02:15:25.319 --> 02:15:27.199 and Clay. They did all those old. 2678 02:15:27.079 --> 02:15:30.640 Generators Raader Exchange. 2679 02:15:32.439 --> 02:15:35.520 I'm looking all right quick, I can't seem to find 2680 02:15:35.560 --> 02:15:36.840 anybody that wants to do it. 2681 02:15:37.800 --> 02:15:40.479 They still show to be there. Yeah, no, I guarantee 2682 02:15:40.479 --> 02:15:41.039 you he'll do it. 2683 02:15:41.840 --> 02:15:43.239 Okay, I appreciate it. 2684 02:15:43.239 --> 02:15:45.000 Thanks for the time, of course, you bet. 2685 02:15:45.039 --> 02:15:46.199 Thanks for the call. Patrick. 2686 02:15:46.600 --> 02:15:49.000 We're going to go to a break here real quick 2687 02:15:49.159 --> 02:15:51.479 and we'll be right back on the other side. You 2688 02:15:51.479 --> 02:15:53.000 still have time to give us a call at three 2689 02:15:53.079 --> 02:15:55.760 O three seven one three eight two five five. 2690 02:15:56.000 --> 02:15:59.279 Go with a sure thing Denver's Best roofer Excel Roofing 2691 02:15:59.359 --> 02:16:02.000 dot com. You don't pay a cent until you're content. 2692 02:16:05.359 --> 02:16:08.560 Time for an insurance check up free, no obligation. In comparison, 2693 02:16:08.680 --> 02:16:12.199 call Compass Insurance paying too much your coverage at dozens 2694 02:16:12.239 --> 02:16:15.000 of insurance companies find out now three all three seven 2695 02:16:15.079 --> 02:16:17.880 seven to one help. You'll think you're his only customer 2696 02:16:17.920 --> 02:16:20.199 when you choose Frank durand the real estate Man dot 2697 02:16:20.199 --> 02:16:23.560 com to list your home with Remax Alliance three all 2698 02:16:23.560 --> 02:16:25.479 three nine two zero sixteen twenty two. 2699 02:16:36.680 --> 02:16:39.680 All right, good afternoon. We are close to wrapping things 2700 02:16:39.719 --> 02:16:42.280 up here. This is John Fuller for the Troubleshooter Network 2701 02:16:42.680 --> 02:16:45.719 and we are here with Jeff Vick and Kevin Cochin 2702 02:16:45.799 --> 02:16:48.799 in the in the house finishing up card day. And 2703 02:16:48.920 --> 02:16:50.840 so we have open lines if you still have an 2704 02:16:50.840 --> 02:16:52.520 issue that we can help you with today. The phone 2705 02:16:52.559 --> 02:16:55.559 numbers are three oh three seven one, three eight two 2706 02:16:55.559 --> 02:16:58.000 five five. Over the break, we got a couple of 2707 02:16:58.040 --> 02:17:01.479 text messages saying why OW was talking bad about debit 2708 02:17:01.520 --> 02:17:03.920 cards and stuff? And this is an issue that we 2709 02:17:03.959 --> 02:17:06.879 really should probably talk about from time to time. A 2710 02:17:06.879 --> 02:17:10.200 lot of people use debit cards. They think it's prudent 2711 02:17:10.280 --> 02:17:14.520 and sound financial management to never spend anything on credit. 2712 02:17:14.559 --> 02:17:16.159 I don't want to borrow any money. I just want 2713 02:17:16.200 --> 02:17:19.360 to take it directly out of my checking account. But 2714 02:17:19.639 --> 02:17:22.319 here's the challenge, or here's the risk that you run. 2715 02:17:22.600 --> 02:17:25.879 Number One, there's no buyer protection on a debit card. 2716 02:17:26.079 --> 02:17:29.159 If that card gets picked up by some scammer, you 2717 02:17:29.200 --> 02:17:31.280 swipe it at the gas station and there's a reader 2718 02:17:31.319 --> 02:17:34.319 on there, they can clean you out, and I mean 2719 02:17:34.440 --> 02:17:37.920 clean you out in your account to where you are 2720 02:17:37.959 --> 02:17:42.319 down to nothing in about thirty seconds and there is 2721 02:17:42.520 --> 02:17:46.319 absolutely zero recourse for that, and not a lot of 2722 02:17:46.360 --> 02:17:49.520 people seem to know that sometimes, and even family members 2723 02:17:49.559 --> 02:17:52.840 like my mother in law is notorious for using a 2724 02:17:52.840 --> 02:17:55.040 debit card, and we keep telling her do not do that, 2725 02:17:55.079 --> 02:17:57.360 We try to take it away from her. She just 2726 02:17:57.600 --> 02:18:02.440 is so debt adverse that she just can't fathom. Why 2727 02:18:02.440 --> 02:18:04.719 would I borrow money when I've got money in the bank. 2728 02:18:04.760 --> 02:18:05.799 I don't need to borrow. 2729 02:18:05.840 --> 02:18:06.879 I'm just going to pay for it. 2730 02:18:07.239 --> 02:18:09.079 But I'm here to tell you that that is one 2731 02:18:09.120 --> 02:18:11.760 of the riskiest things in the world that you can use, 2732 02:18:11.799 --> 02:18:14.520 and right up there with some of the same scams 2733 02:18:14.520 --> 02:18:17.840 that Dimitri was just talking about. You have to be 2734 02:18:18.600 --> 02:18:21.040 you have to use those methods that provide you the 2735 02:18:21.040 --> 02:18:24.719 most protection. And unfortunately, you know, there's no real cost 2736 02:18:24.760 --> 02:18:26.680 to using a credit card and just paying it off 2737 02:18:26.680 --> 02:18:27.120 every month. 2738 02:18:28.159 --> 02:18:29.040 Yeah, take care of it. 2739 02:18:29.079 --> 02:18:31.719 You just pay it off and it doesn't cost you anything. 2740 02:18:31.920 --> 02:18:34.920 But it gives you the buyer protection and the only 2741 02:18:35.000 --> 02:18:38.200 person that's initiating taking a dime out of your bank 2742 02:18:38.440 --> 02:18:41.479 is you when you pay off that credit card every month. 2743 02:18:42.280 --> 02:18:44.520 And so have you guys run into that before with 2744 02:18:45.079 --> 02:18:46.200 debit cards and stuff I. 2745 02:18:46.159 --> 02:18:48.280 Mean, well, the other thing you mentioned in that email 2746 02:18:48.360 --> 02:18:51.079 was the link. Don't ever click the link from the 2747 02:18:51.159 --> 02:18:54.719 email to make a phone call my bank, because they 2748 02:18:54.719 --> 02:18:57.079 guess the right bank. I mean, there's only so many banks. 2749 02:18:57.360 --> 02:18:59.159 Mine happen to be Chase, and I got a thing 2750 02:18:59.159 --> 02:19:00.600 with Chase, and it was like, I better look that 2751 02:19:00.680 --> 02:19:02.000 number up before I click on it. 2752 02:19:02.200 --> 02:19:03.399 Yeah, I think you're right. 2753 02:19:03.520 --> 02:19:05.600 It's like they it's not that's not the number you're 2754 02:19:05.639 --> 02:19:06.959 dialing when you click it. 2755 02:19:06.959 --> 02:19:09.079 It's not that they knew you banked at Chase. 2756 02:19:09.159 --> 02:19:12.639 Necessarily, they just sent out a million of those emails 2757 02:19:12.760 --> 02:19:15.120 and ex percentage of them are going to happen to 2758 02:19:15.159 --> 02:19:18.479 be Chase. And whoever you bank with the same thing, 2759 02:19:18.559 --> 02:19:20.559 they just know it's a big bank. They don't do 2760 02:19:20.639 --> 02:19:24.440 that with you know, Joanes State Bank with eight subscribers 2761 02:19:24.520 --> 02:19:27.040 or exactly account holders. Are doing it with your big 2762 02:19:27.079 --> 02:19:29.879 guys like Wells Fargo and Chase and all those. 2763 02:19:29.719 --> 02:19:30.920 First bank any one of those. 2764 02:19:31.120 --> 02:19:33.760 Yeah, and they're gonna hit a number of those and 2765 02:19:33.799 --> 02:19:37.159 it's gonna be legit. I was just looking at you 2766 02:19:37.200 --> 02:19:40.440 know that and the money transfer deals where they call 2767 02:19:40.520 --> 02:19:43.200 up and say, you know, there's been there's been fraud 2768 02:19:43.239 --> 02:19:45.600 on your account. We need you to transfer money over 2769 02:19:45.680 --> 02:19:48.159 and buy it, you know, by this and that and 2770 02:19:48.159 --> 02:19:50.639 and I mean we've heard them all here. If you've 2771 02:19:50.639 --> 02:19:53.120 listened to this show for any length of time, you've 2772 02:19:53.159 --> 02:19:57.399 heard caller after caller after caller call up and say 2773 02:19:57.479 --> 02:19:59.879 I was told to go pull money out and go 2774 02:20:00.559 --> 02:20:04.280 starting to count at a certain other bank. And you know, 2775 02:20:04.319 --> 02:20:06.159 they would get back to me and they would let 2776 02:20:06.159 --> 02:20:08.479 it ring three times and then hang up, and you're 2777 02:20:08.520 --> 02:20:14.600 just like, how did this make sense? But they sound 2778 02:20:14.760 --> 02:20:18.600 so good when they call, They look so legit. Emails 2779 02:20:18.639 --> 02:20:21.280 look great, or they emails look great, or the text 2780 02:20:21.360 --> 02:20:24.479 messages look great. I was talking yesterday about I've now 2781 02:20:24.520 --> 02:20:27.000 been put on notice that I'm apparently a warrants going 2782 02:20:27.040 --> 02:20:30.840 to issue for me from my express tollurpees into stuff. 2783 02:20:31.639 --> 02:20:34.920 I'm not driving in the express lane anymore until they 2784 02:20:34.920 --> 02:20:38.479 stop sending me those text messages and stuff, because clearly 2785 02:20:38.559 --> 02:20:40.680 they are looking for me and stuff. And it's like, 2786 02:20:41.440 --> 02:20:44.000 you know, how many times do they have to put 2787 02:20:44.000 --> 02:20:46.879 it out on the news and everybody else that says 2788 02:20:47.000 --> 02:20:50.360 we will not text you anything ever. 2789 02:20:51.040 --> 02:20:54.559 And Giant, It's amazing how many people I talk to 2790 02:20:55.120 --> 02:20:58.719 they'll say this is John Richardson from so and so 2791 02:20:59.040 --> 02:21:02.360 and have a thick, heavy Indian accent, and you know 2792 02:21:02.440 --> 02:21:04.639 it's not John ridgards Because. 2793 02:21:04.600 --> 02:21:06.840 Doc, I just have to confirm your identity. Can you 2794 02:21:06.840 --> 02:21:11.280 give me your last four of your social and your birthday? 2795 02:21:13.360 --> 02:21:16.200 And people do it. I mean, that's the crazy thing. 2796 02:21:16.319 --> 02:21:18.799 So you know it's not that we like to make 2797 02:21:18.840 --> 02:21:20.159 fun of people here. We don't. 2798 02:21:20.159 --> 02:21:23.159 We would rather you never call and say I messed 2799 02:21:23.239 --> 02:21:25.360 up and got scammed by one of these systems. And 2800 02:21:25.440 --> 02:21:27.319 so you just have to have some rules in place. 2801 02:21:27.440 --> 02:21:29.719 But cut up your debit card. I mean, please, just 2802 02:21:29.760 --> 02:21:30.639 cut it up. Cut it up. 2803 02:21:30.680 --> 02:21:32.200 That's what I do every time I get a new one. 2804 02:21:32.360 --> 02:21:34.479 Slice it, stick it in the microwave for a second. 2805 02:21:34.520 --> 02:21:38.280 First off, pop that chip inside, pop that chip inside there, 2806 02:21:38.319 --> 02:21:40.200 fry it and then cut it up right. 2807 02:21:41.200 --> 02:21:43.600 Yeah, but I don't even know where n is. It's 2808 02:21:43.600 --> 02:21:44.520 a safe somewhere. 2809 02:21:45.120 --> 02:21:48.079 I haven't used a debit card well, I'll tell you this. 2810 02:21:48.200 --> 02:21:50.239 The last time I used it was when I learned 2811 02:21:50.239 --> 02:21:52.760 that Lesson and I had gone through. And this was 2812 02:21:52.760 --> 02:21:56.799 probably fifteen years ago, and I went through a Burger King, 2813 02:21:56.840 --> 02:21:58.280 which is probably the last time I went through a 2814 02:21:58.280 --> 02:22:00.879 burger King drive through as well. But I went through 2815 02:22:00.879 --> 02:22:04.719 a burger King drive through. I was maybe maybe a 2816 02:22:04.840 --> 02:22:07.319 mile from my office, and in the time that it 2817 02:22:07.360 --> 02:22:09.680 took me to get from that burger King back to 2818 02:22:09.760 --> 02:22:13.159 my office, I was already getting fraud alerts, legitimate ones 2819 02:22:13.520 --> 02:22:16.959 from my bank saying we've got a problem here. But 2820 02:22:17.120 --> 02:22:19.360 you know, my bank was saying call us, you know, 2821 02:22:19.399 --> 02:22:22.719 we've we've got an issue here, And that really opened 2822 02:22:22.719 --> 02:22:23.079 my eyes. 2823 02:22:23.559 --> 02:22:26.239 At Taco House on Colfax, I went about the guy's lunch. 2824 02:22:26.399 --> 02:22:29.280 Burger King is Colfax. That's the thing. I never use 2825 02:22:29.319 --> 02:22:33.120 a credit card of any type on Colvi. Just go 2826 02:22:33.159 --> 02:22:34.079 to Kolfax. 2827 02:22:34.559 --> 02:22:37.479 Keep the deviit card in your house, don't take it out. 2828 02:22:37.680 --> 02:22:40.799 It is just crazy how fast it happens too. I mean, 2829 02:22:40.840 --> 02:22:44.799 with me, it was literally a minute, two minutes, and 2830 02:22:45.399 --> 02:22:48.520 there were transactions going off at Walmart down on the 2831 02:22:48.559 --> 02:22:51.360 other end of town. And then we've had deals in 2832 02:22:51.399 --> 02:22:54.639 Florida where it's like seventy five miles away two minutes later, 2833 02:22:54.680 --> 02:22:57.440 and it's just crazy. They're set up to take advantage 2834 02:22:57.479 --> 02:23:00.920 of you. They work lightning fast. Just beware, listen, guys, 2835 02:23:01.000 --> 02:23:03.559 we really appreciate it. I've enjoyed the last three days here. 2836 02:23:04.280 --> 02:23:06.120 Save all your problems for us. The rest of the 2837 02:23:06.120 --> 02:23:08.639 crew will be back next week and we appreciate it 2838 02:23:08.760 --> 02:23:10.360 very much. Save all your problems for us.