Speaker 1: Ripped off. You don't have.
Speaker 2: Come running just as fast as we can. Shooter's gonna
Speaker 2: help coming.
Speaker 3: Man Dix is the Troubleshooter Show. No sil Martino, you
Speaker 3: wan to show up.
Speaker 1: It's kind. How's everybody doing today on the snow weed
Speaker 1: morning here in Denver. We are here to help you,
Speaker 1: to solve your problems, answer questions, take complaints. You know
Speaker 1: the drill you've been ripped off, you've been taken advantage of.
Speaker 1: Maybe you want to just expose some some some words
Speaker 1: I wish I could use on radio, but I can't,
Speaker 1: So I'll stick the scumbag who maybe took money and ran.
Speaker 1: Maybe you need a little help going after him. We
Speaker 1: use the power of the media, that's right, the power
Speaker 1: of the media to go after those that have wronged you.
Speaker 1: The phone number is easy. I'll always let you know
Speaker 1: when the line's open. Three oh three seven one three
Speaker 1: eight two five five three oh three Martino, and then
Speaker 1: don't forget help at troubleshooter dot com. John Fuller, Attorney
Speaker 1: at law, joins me in studio today. John, How are
Speaker 1: you doing, man, good great man, good morning. We got
Speaker 1: Deputy Scott over here, guys, I got to start with this,
Speaker 1: and I promise I'm going to jump to the phones.
Speaker 1: This uh, this murderer, this guy in New York who
Speaker 1: killed the CEO of the health insurance company United Healthcare.
Speaker 1: I'm starting to see a lot of people sympathize with them.
Speaker 1: Here's what I know about it, and I don't know
Speaker 1: what's true what's not true. But what I've read is this,
Speaker 1: when he was fifteen or sixteen, he actually worked at
Speaker 1: an old folks home and he probably saw liat a
Speaker 1: lot of denial of coverages. I'm just total assumption on
Speaker 1: my part. I don't know what's in this guy said,
Speaker 1: but what I'm thinking of is the different things he
Speaker 1: left in that manifesto he hand wrote, almost like Ted Kazink.
Speaker 1: It's kind of a strange deal. But anyhow, this guy
Speaker 1: worked in the old folks home. He apparently had back
Speaker 1: problems that the surgery didn't go well. I don't know
Speaker 1: if they didn't allow him to get additional surgeries or
Speaker 1: additional treatments, it might have helped them. But I can't
Speaker 1: believe the amount of sympathizers that are online talking about
Speaker 1: this guy. I mean, it's kind of crazy. Now, look,
Speaker 1: I hate if you listen to this show. I bitch
Speaker 1: about health insurance companies all the time ever since Obamacare
Speaker 1: got involved, and basically they choose the doctor, they mandate
Speaker 1: what kind of coverage you have. Now it's changed a
Speaker 1: little and if you didn't want coverage, it actually tax you.
Speaker 1: I mean, it was kind of crazy when it first
Speaker 1: came out. But Obamacare, honestly, I think ruined it. It
Speaker 1: was good for some people. I guess if you didn't
Speaker 1: work and were able to work but still wanted coverage,
Speaker 1: you could get it. So there's different arguments to be made.
Speaker 1: But for me, and it was the worst thing that
Speaker 1: ever happened. Our insurance premiums are through the sky right now.
Speaker 1: Till this day, there's only three people. My son's got
Speaker 1: his own coverage now, but my daughter, who's in law school,
Speaker 1: is still on ours. You want to know how much
Speaker 1: we spend, Scott, you're looking at me. Let go ahead
Speaker 1: and tell me. Premiums. Premiums for the three of us.
Speaker 1: And this is Kaiser and it's an HSA plan. It's
Speaker 1: about as cheap as you can get eight thousand a year,
Speaker 1: oh god, no, thirteen hundred a month. So that's what
Speaker 1: fifteen sixteen thousand. Then on top of that were six
Speaker 1: grand or seventy five hundred out of pocket before they
Speaker 1: pay for anything. So for twenty two thousand a year,
Speaker 1: we each get a free physical. Yeah, a free physical
Speaker 1: each year. Can you believe it? That's how bad Obamacare is.
Speaker 1: Pre Obamacare, I had a good Year store. We had
Speaker 1: forty nine employees and we covered everybody there. We covered
Speaker 1: the employee and I think half espoused whatever the deal was.
Speaker 1: And back then the average employee, including myself, I was
Speaker 1: an employee of my own company. I mean, we were
Speaker 1: paying maybe four or five hundred bucks a month for
Speaker 1: the premium and then we actually add coverage. In other words,
Speaker 1: you'd show up, you have a twenty eighty cope. If
Speaker 1: it's a you know, a four thousand dollars deal, you'd
Speaker 1: be eight hundred, one thousand out of pocket. I mean,
Speaker 1: it's crazy, but I hate insurance companies. But it's kind
Speaker 1: of nuts thinking that people are kind of sticking up
Speaker 1: for this guy. He's like, I mean, do you think
Speaker 1: John Fuller, gee, see this is crazy. I'm going to
Speaker 1: use the term robinhood, but I don't really mean it
Speaker 1: as you know, steal from the rich, give to the poor.
Speaker 1: But I mean, what do you make of this? What
Speaker 1: do you make of people online talking about someone had
Speaker 1: to do this? I mean, you must get the frustration
Speaker 1: people have with healthcare, but this is insane to go
Speaker 1: murder somebody over it.
Speaker 4: Yeah, it's crazy. I mean it's but it's nothing really new.
Speaker 4: I mean the outrage you know that's kind of missing
Speaker 4: here is a little bit surprising, but it kind of isn't.
Speaker 4: I mean, think about for years and years in the
Speaker 4: auto you know arena, we've had all State out there
Speaker 4: advertising like you know, the loneliest chair in the courthouse,
Speaker 4: and you know, they're trying to personalize the fact that
Speaker 4: any claim is a claim against everybody.
Speaker 1: Yeah, and they deem it.
Speaker 4: Villa plaintiff and villainize the plaintiffs to the point that
Speaker 4: you know that there's this stigma that attaches to making
Speaker 4: a claim, even if it's a claim on a policy
Speaker 4: that you bought and paid for.
Speaker 1: Don't they and I don't mean just automotive, but even healthcare,
Speaker 1: don't they almost make it seem well, especially automotive, they
Speaker 1: actually have commercials and they actually try to brainwash people
Speaker 1: into believing that like, oh, if you make a claim
Speaker 1: You're just an ambulance chaser, right, that's the dumbest thing
Speaker 1: you can do. You're gonna make it bad on everybody else.
Speaker 4: Yeah, that's absolutely what they do, and that's the message,
Speaker 4: and I fight it every single day. I have people
Speaker 4: that legitimately have damages and are the victims of other
Speaker 4: people's negligence and even other people's lack of having any
Speaker 4: insurance that that when it comes time to finally make
Speaker 4: a claim against their own uninsured motorists, they are hazarded.
Speaker 4: They say, oh, I don't you know, and that from
Speaker 4: the brain, I don't want to get canceled, you know,
Speaker 4: I don't want to get canceled by my own insurance company.
Speaker 4: And the reality is they're right. I mean, there there
Speaker 4: is a penalty that goes along with making claims. In general,
Speaker 4: there's a state law that says they can't cancel you
Speaker 4: for making a UM claim. But but the theory is correct,
Speaker 4: the more claims you have, the worse you are as
Speaker 4: a potential insurance customer.
Speaker 1: Well, of course you are same with homeowners, same with
Speaker 1: same with health care insurance, same way. You know, it's
Speaker 1: just kind of crazy. But any comments on that, I
Speaker 1: I kind of look forward. I'd actually like to hear
Speaker 1: from somebody that's a little outrageous on it to pick
Speaker 1: their brain. I mean, if you got denied, say your
Speaker 1: wife got denied and she ends up dying, and I
Speaker 1: don't know if whatever she was denied for would have
Speaker 1: saved her life or not for sure, but I mean
Speaker 1: in your own mind you probably think that way. You're like, oh,
Speaker 1: if they would have only approved that certain treatment for
Speaker 1: cancer out in New York or whatever it is, that
Speaker 1: could have very possibly helped her extended her life, but
Speaker 1: they deny it. I mean, I understand where people are
Speaker 1: coming from, but my God, to do what he did
Speaker 1: in cold blood like that. You guys seen that video, right,
Speaker 1: he was calm, cool, collective. I mean, this guy, at
Speaker 1: first I thought maybe he was an assassin or something,
Speaker 1: and then writing on the bullets, it's crazy. Hey Matthew,
Speaker 1: what's going on with this concrete job? Hey, good money,
Speaker 1: Good morning, sir.
Speaker 5: So I just wanted to kind of complain about this
Speaker 5: guy blast them outs into the world.
Speaker 1: Is this I'm looking at this business card? Professional Professional
Speaker 1: landscaping and concrete service. Call mister may anytime. Is this
Speaker 1: a guy we're talking about.
Speaker 5: That is him. He goes by Kevin.
Speaker 1: Well, according to this card, he's going to make it
Speaker 1: easy for you. So did he make it easy for you?
Speaker 5: He did at the very beginning, because he sounded very
Speaker 5: confident in his work. But throughout the process he needed
Speaker 5: a living hell. And at this point in time, it's
Speaker 5: still a living.
Speaker 1: Well what's it look like now? I see the business card,
Speaker 1: but I'll be damn man, I don't see any pictures
Speaker 1: of the job. What was it a driveway? What was it?
Speaker 6: It was a back patio.
Speaker 1: So they poured the patio and then what was the
Speaker 1: first problem you had?
Speaker 5: So throughout his process he demoed it out and then
Speaker 5: he put the rebart down, and then he had the
Speaker 5: rebar too close to the forums. So I'd taken pictures
Speaker 5: sent it to him that they had too close. Rebart's
Speaker 5: too small.
Speaker 1: You need to fix it.
Speaker 5: He said, okay, Will, And then he did that, and
Speaker 5: then he didn't compact anything. And I didn't need to
Speaker 5: compact it, and he said, okay, I will. I didn't
Speaker 5: upload any photos. But he had poured another slab on
Speaker 5: the side of the house.
Speaker 1: Well, what where does it sit right now? I mean,
Speaker 1: is does it look bad? Or you're just saying it's
Speaker 1: too thin, not enough rebar what what is your issue
Speaker 1: with it?
Speaker 5: My issue is where he poured it, where he didn't
Speaker 5: compact it in the front area, it's sagging down from
Speaker 5: the house now okay, And there's another part, well what
Speaker 5: it's sagged?
Speaker 1: Hold on? Are you saying it sloped away from the
Speaker 1: house like it should be?
Speaker 5: No, No, I'm saying like I cocked it when he
Speaker 5: got done. You know, I waited for the cure and
Speaker 5: then I coughed it, so it sealed it up on
Speaker 5: the house.
Speaker 1: Yeah.
Speaker 5: And then you can see where it's flunging down, pulling
Speaker 5: the cocking up the wall.
Speaker 1: Yeah, so it's settling a little. I mean, how bad
Speaker 1: is this? So what is the fix? Are you saying
Speaker 1: the only way to fix it is to what jack
Speaker 1: camer it out.
Speaker 6: Jack camer it out, or to level it up.
Speaker 5: And then there's another.
Speaker 1: Part, hold on, hold on, That's what I'm trying to
Speaker 1: figure out from you, Like, for example, would mud jacking
Speaker 1: work at this point?
Speaker 5: I don't think it would, okay in the situation. And
Speaker 5: then there's a part where he had the gates. He
Speaker 5: had put a really big level at the gates, so
Speaker 5: the gates can close, and then when I put the
Speaker 5: gate back on, it wouldn't shut or anything. And I
Speaker 5: had before he poured the concrete.
Speaker 1: Now the gate doesn't shut because it shifted right.
Speaker 5: Well, that's the other part is the other side of
Speaker 5: the gates is the concrete was too high. Got it
Speaker 5: before he poured the concrete. I opened the gate and
Speaker 5: it was getting at rebar, so therefore it would have
Speaker 5: been too high. No matter what.
Speaker 1: I got to see some pictures of this, Matthew, When
Speaker 1: can you send something?
Speaker 5: I could do that very soon, all right?
Speaker 1: Makes hold on, man, I'm going to put you on hold.
Speaker 1: Here's what we're going to do. I want to get
Speaker 1: some pictures of that. I'm going to have one of
Speaker 1: our experts from pro Form Concrete on the air. After
Speaker 1: I send these pictures to them, we'll discuss it with them.
Speaker 1: And what area of town are you in?
Speaker 5: Green Valley Range?
Speaker 1: That's not too bad he did? Maybe we send him
Speaker 1: over there. What is this guy my saying at this point?
Speaker 1: Or what did you say his name was? Or what
Speaker 1: is he like going by Kevin? Okay? And what does
Speaker 1: he say right now it's fine?
Speaker 6: Or what I said?
Speaker 5: Come out he find my text or calls.
Speaker 1: He just won't. Okay, hold on a second, So Kelly,
Speaker 1: couple things. One, Let's see if we can't get Kevin on,
Speaker 1: Let's give him the opportunity to come on. This guy
Speaker 1: just talked about him, and let's see if we can
Speaker 1: figure out what he has to say about it. But
Speaker 1: I need those pictures so we can send him to
Speaker 1: our expert and go from there. All right, listen, we've
Speaker 1: already got a stacked house. By the way, Deputy Dmitri
Speaker 1: just walked in, so we're here to kick ass for
Speaker 1: you today. Nicole Liz Mob, how do you pronounce that Kelly?
Speaker 1: For the life of me, how do you pronounce m
Speaker 1: a e ve mave mob? I don't know. We'll figure
Speaker 1: it out after this.
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Speaker 1: All right, three oh three seven one three eight two
Speaker 1: five five one line open, Kelly, did we try to
Speaker 1: get through to mister my over it to concrete Place?
Speaker 1: Any luck there? I guess she's on the phone. H Kelly, Kelly,
Speaker 1: you are allowed to speak on air, you know, so,
Speaker 1: I would like to know when you get a few
Speaker 1: minutes whether or not we tried to reach out three
Speaker 1: oh three seven one three eight two five five. Regardless,
Speaker 1: we are going to help that guy out. We're going
Speaker 1: to get pictures of the bad job. We're going to
Speaker 1: send him to one of our experts at referral lists
Speaker 1: dot com. And then after that, uh, we might even
Speaker 1: send out one of our experts to check it out
Speaker 1: if it's that bad. Now, let's go to Nicole. Nicole,
Speaker 1: what is going on with you and Walmart?
Speaker 9: Well it's not me my friend, okay, wink.
Speaker 1: Wink, my friend, a real friend, No, just a girlfriend,
Speaker 1: got it.
Speaker 9: She's the olderly lady and she was shopping at Walmart
Speaker 9: and she wasn't feeling right. There was too many people,
Speaker 9: so she went to another section at the store and
Speaker 9: some lady came up to her and asked her if
Speaker 9: she would help her with her groceries. And she said, well,
Speaker 9: what do you mean, like take them to your car?
Speaker 9: Or she goes, no, help me pay for them? Oh,
Speaker 9: she goes, well, that depends what is it? And it
Speaker 9: was three candle formula, so she said she would she
Speaker 9: would pay for those. And she wanted to go to
Speaker 9: a register by where she was parked, but the lady
Speaker 9: kept insisting that they go to a certain register.
Speaker 1: This is crazy, so hold on, she walks up, just
Speaker 1: walks up out of the blue. What did she have
Speaker 1: besides the three things of formula? Anything?
Speaker 10: No, that's all she showed her.
Speaker 1: And she said, hey, can you help me out and
Speaker 1: buy this? And then she wanted to pick out the register.
Speaker 1: My brain is just going, where is this going? So
Speaker 1: keep going?
Speaker 11: So I couldn't.
Speaker 9: It was hard for me to understand too, that why
Speaker 9: would you let go to the register you want not
Speaker 9: the one she wants. But she went to the register
Speaker 9: she wanted to, and she told the register that she
Speaker 9: wanted to do two separate transactions, and they told her
Speaker 9: that they couldn't do that. She had to do it
Speaker 9: all on one, which, well, first of.
Speaker 1: All, Walmart, I have a hard time believing that they
Speaker 1: don't care if you want to people go in there
Speaker 1: and pay for stuff on say their company card for
Speaker 1: business stuff, and then pay another way. So I don't
Speaker 1: even understand that. Is it a self checkout or is
Speaker 1: it a person?
Speaker 12: There was a person?
Speaker 1: Okay, well that doesn't make sense. So what happened?
Speaker 9: So she ended up the bill ended up being eight
Speaker 9: hundred and eighty Oh okay.
Speaker 1: Wait, how the hell does that happen? What they get
Speaker 1: a gift card? A Walmart gift card? What happened?
Speaker 9: Well, when I went back to Walmart and I talked
Speaker 9: to them about this I had, she couldn't even get the.
Speaker 13: Receipts from them.
Speaker 9: She kept trying to get the receipt and the cash
Speaker 9: registry guy said, well, I put it in the bag,
Speaker 9: and she goes and before I.
Speaker 11: Knew it, the girl was grabbing my back.
Speaker 1: Are you car hold on? Nicole? Are you are you
Speaker 1: assuming that the Walmart employee was in cahoots?
Speaker 9: I think so? I mean, why did they have to
Speaker 9: go to one.
Speaker 12: Register and I don't know transaction?
Speaker 1: So what what happened? After that eight hundred dollars was
Speaker 1: for what? Why was it eight hundred dollars?
Speaker 9: Well, my friend had her groceries too, so that's why
Speaker 9: she had wanted two separate transactions, because she wanted her
Speaker 9: separate from the other girls.
Speaker 1: No, that's a lot of groceries. Hold on a second.
Speaker 1: I mean you said all she had was the three
Speaker 1: things of formula, right? Is that not right?
Speaker 6: Right?
Speaker 1: That's all she had. This other woman, that's all she had. Yeah,
Speaker 1: and then the woman you're talking about had what a
Speaker 1: cart full of groceries?
Speaker 14: Yeah?
Speaker 1: Okay, So once again, why is it eight hundred dollars?
Speaker 9: That's what she was trying to say. And the guy
Speaker 9: told her, well, the imple mil was fifty dollars a can,
Speaker 9: and then the Clareton and she goes, what I didn't
Speaker 9: get Clareton and the girl, I guess Walmart came back
Speaker 9: and said they watched the video. Well first they said,
Speaker 9: when I went to them, and they said, this is
Speaker 9: a known organized crime that's happening in Weld County with
Speaker 9: Romanians and they're taking advantage of the older people that
Speaker 9: they're coming.
Speaker 1: I'm going to say something right off the bat, I
Speaker 1: don't think Walmart is in cohoots for one reason. I
Speaker 1: assume the receipt is at some point on her charge
Speaker 1: card it says Walmart eight hundred bucks. Right, No, she.
Speaker 9: Paid cash and card?
Speaker 1: Oh my god? How much was?
Speaker 15: How much cash?
Speaker 1: Did she pay? Three hundred? See, now the whole story's
Speaker 1: falling apart. What why would she pay three hundred in
Speaker 1: cash for three cans of baby food?
Speaker 9: Well it was for everything. He wouldn't ring the transactions
Speaker 9: up separately.
Speaker 1: That doesn't go ahead, John, I mean, my brain's so loading.
Speaker 1: So what's the issue here?
Speaker 9: I mean, so Walmart knows about this that's happening, and
Speaker 9: they're not warning.
Speaker 4: So as your friend upset that the infaml was so
Speaker 4: overpriced and that she snuck a thing of Clarendon in there.
Speaker 1: I mean, how much? How much worth of Clarendon? Are
Speaker 1: we talking? Right?
Speaker 11: Well?
Speaker 9: There was more than just Clareton, So I guess they
Speaker 9: said the Walmart employees did that every time.
Speaker 8: Wait.
Speaker 1: Wait, and I'm trying to argue with you, Nicole, but
Speaker 1: I keep going back to this. I've asked you three times. Now.
Speaker 1: All the woman had was the three things of formula?
Speaker 1: You said, yes, Where did she like sneak to Clarendon
Speaker 1: into her cart. I mean, where did the Clarendon even
Speaker 1: come from?
Speaker 9: The Walmart employee said that as they watched the video,
Speaker 9: every time my friend turned her back, she was grabbing
Speaker 9: stuff off the shelves and throwing it on the register.
Speaker 1: Oh my god.
Speaker 4: So at the end of the day, your friend got
Speaker 4: a receipt and it showed that there was extra items
Speaker 4: that she didn't buy. How much were those extra items?
Speaker 1: Yeah? How much did she get ripped for? Five? Six hundred?
Speaker 1: What is it?
Speaker 9: Five hundred and eighty dollars?
Speaker 5: Is what Walmart said?
Speaker 1: Oh my god. And they and they didn't do anything,
Speaker 1: I assume.
Speaker 9: Yeah, that's that's where my issue lies, is well, and
Speaker 9: I don't.
Speaker 1: Know if that's an issue with Walmart. I mean, it
Speaker 1: really sucks. And I agree with you. The fact they
Speaker 1: knew it and that this is going on, you'd think
Speaker 1: they'd be on the lookout for it. I mean, John,
Speaker 1: as a as an attorney, I want you to put
Speaker 1: your attorney hat on real quick. Do you see any liability?
Speaker 1: And you got to take her for the word right now.
Speaker 1: They knew this was kind of a thing going on
Speaker 1: in the store. According to what she said. Do they
Speaker 1: have any liability here?
Speaker 4: Kinda I'm trying to think it through. I mean, to
Speaker 4: Monday Morning quarterback this and say, oh, we know that
Speaker 4: there's a bunch of Romanians running around hiding and you know,
Speaker 4: sneaking stuff onto the checkout counter, and they see it
Speaker 4: on video. But they only saw it after the fact.
Speaker 4: It's not like they were sitting up in the glass
Speaker 4: tower looking down going wow, she just stuck another one,
Speaker 4: put another one on there, you know. So I don't
Speaker 4: see any real culpability in the transaction itself.
Speaker 9: Except for she asked for two separate transactions.
Speaker 1: I know that part still seems way out there. That
Speaker 1: seems so weird to me.
Speaker 4: That's weird because I mean, why would Walmart say no
Speaker 4: to that?
Speaker 1: That's my whole point unless you had.
Speaker 4: A cashier that was in on something which you know
Speaker 4: is not outside the realm of possibilities.
Speaker 1: No, But if you listen to the whole plot.
Speaker 4: Folded, yeah, I just don't think that's the case Walmart.
Speaker 1: Was it again? Nicole on forty seven, Hey, Scott, do
Speaker 1: me a favor or Dmitri? Which one do you two
Speaker 1: want to make a phone call over there?
Speaker 15: And Nicole is your friend some sort of an at
Speaker 15: risk adult? Does she Is she very elderly or real
Speaker 15: or does she have a.
Speaker 9: I think that I think, I mean, I don't know,
Speaker 9: and over medical, but I think she's has maybe she's
Speaker 9: starting to get dementia.
Speaker 1: Yeah, but how old is she?
Speaker 9: She's almost seventy Okay, Yeah.
Speaker 1: She's a person at risk right.
Speaker 15: Yeah, that's the definition of an at risk adult. But Nicole,
Speaker 15: you know, a gypsy ripped her off, possibly in cahoots.
Speaker 1: Yeah, with a Walmart employee.
Speaker 4: Wanted to say that word, but yeah, I mean, that's
Speaker 4: exactly what's going on.
Speaker 1: That's exactly what's going on. I would like you to
Speaker 1: make a call over there. Here's what I would like
Speaker 1: you to do. And this has worked. We've done this
Speaker 1: on the show before with Walmart. Try to get to
Speaker 1: the store manager. Okay, if you can't get to the
Speaker 1: store manager, you want the market manager. Don't forget that
Speaker 1: word market manager. The market manager will return your call.
Speaker 1: Make sure they know who you are, where you're coming from.
Speaker 1: And we're talking five hundred bucks from a company. You're
Speaker 1: ready for this that I believe takes in one point
Speaker 1: six billion dollars every single day. I'm not saying they
Speaker 1: owe this woman anything, but for five hundred dollars and
Speaker 1: possibly a person at risk and just the the good
Speaker 1: things I always say about Walmart. Honestly, people know that,
Speaker 1: so honest to goodness. See if you can get through
Speaker 1: to someone there, maybe a gift card, maybe just to
Speaker 1: help her out.
Speaker 15: Yeah, I'll give them a call immediately, Nicoll. Was there
Speaker 15: a police report filed in this matter?
Speaker 1: Oh? Good point, Yes it was.
Speaker 9: And the cop he didn't want to talk to men.
Speaker 12: He just wanted to.
Speaker 10: Talk to my friend.
Speaker 9: But because that's what I asked Omer, I said, can
Speaker 9: you guys help her with anything?
Speaker 1: Because Greally, the cops aren't going to do anything. I mean,
Speaker 1: most likely they're going to do zero.
Speaker 15: So is that what happened? They did nothing?
Speaker 5: Well?
Speaker 9: No, Walmart said they couldn't do anything, and I said,
Speaker 9: well then that's fine. Can I get some type of
Speaker 9: some report number from you guys so I can email?
Speaker 1: Did you get the report number or not?
Speaker 3: No?
Speaker 1: I don't, Okay, hold on, hold on, dmitre, grab her
Speaker 1: info offline. Let's go make a call and see what
Speaker 1: we can figure out.
Speaker 15: I'll start calling as soon as Kelly sends Menicole's phone number.
Speaker 1: All right, hey, Kelly, can you hear me now? Did
Speaker 1: we try to reach out to that cement concrete guys?
Speaker 16: Did I spoke with him with Kevin?
Speaker 1: And what did Kevin have to say.
Speaker 8: In the middle of job.
Speaker 16: He's very aware of the situation, and we're going to
Speaker 16: try to reset him up for Friday because he's busy
Speaker 16: all week, but he has Fridays.
Speaker 1: Busy all week, so he can't talk to us talk
Speaker 1: about it. Can you imagine? Okay, let's say you go
Speaker 1: out on a first date. You know, he's a professional,
Speaker 1: he's a mister, he's a mystery. He's got two phone
Speaker 1: numbers and a mister in front and a mister on
Speaker 1: his postcard that he sends out come on. Imagine going
Speaker 1: on a first day. If you go out on a
Speaker 1: damn first date and you call up for the second
Speaker 1: and they're not they're busy every single day until Friday,
Speaker 1: that's the blowoff. This guy's blowing us off, in my opinion,
Speaker 1: And I'm going to try to call him, turn the
Speaker 1: break and try to coerce him to coming on the air.
Speaker 8: Go with a sure thing.
Speaker 7: Denver's best roofer Excel roofing dot com. You don't pay
Speaker 7: a cent until you're content. Time for an insurance check
Speaker 7: up free no obligation. Comparison call Compass Insurance paying too
Speaker 7: much your coverage? That does of insurance companies find out
Speaker 7: now three all three seven seven to one.
Speaker 1: Help.
Speaker 7: You'll think you're his only customer when you choose Frank
Speaker 7: durand the real estate Man dot com to list your
Speaker 7: home with Remax Alliance three all three nine two zero
Speaker 7: sixteen twenty two.
Speaker 1: All right, three oh three seven one three eight two
Speaker 1: five five. I called up Kevin or mister My. I mean,
Speaker 1: this guy's going by too many names at this point.
Speaker 1: He's got multiple phone numbers on his advertisement. This whole
Speaker 1: thing spells trouble.
Speaker 9: Uh.
Speaker 1: He said he'd come on Friday. He would come on Friday.
Speaker 1: I tried to bet everybody in his studio. Yeah, he's
Speaker 1: so busy now it's crazy. So he can't talk in night.
Speaker 1: He can't talk till Friday. I don't like it. I'm
Speaker 1: also a very large language barrier. You know, it wasn't
Speaker 1: that well. It's his name is definitely not Kevin. I
Speaker 1: think it's mister My for sure, but I don't know
Speaker 1: I'm going either way on this one. What do you
Speaker 1: guys think, Kelly, let me ask you should I ask
Speaker 1: our callers to maybe call him up and ask if
Speaker 1: he's gonna fix it? Because I attempted to ask him that.
Speaker 1: I said, just say what you're gonna do? He didn't
Speaker 1: want to say anything.
Speaker 8: Well, let's see if.
Speaker 16: He and Matthew can come back on Friday and reschedule
Speaker 16: and I can try to get them back on the show.
Speaker 16: And then if that doesn't work, then absolutely we can
Speaker 16: go to any other.
Speaker 1: Okay, we'll light him up. I just I hate this
Speaker 1: because I know, I know. In fact, I'm going to
Speaker 1: put a poll up on the next break for our
Speaker 1: YouTubers to see if they think this guy's coming on Friday.
Speaker 1: I'll take some bets. I know one guy. I think
Speaker 1: his name is Dave h on YouTube. By the way,
Speaker 1: if you watch on YouTube, you can see us during
Speaker 1: the show. Not only that, you can hear us during
Speaker 1: the breaks talk when the commercials. We try to somewhat
Speaker 1: mute the commercials and you can listen. But I'm going
Speaker 1: to put a poll up. I'm curious what people think.
Speaker 1: I say, the guy's not coming on. John Fuller is
Speaker 1: a guy coming on or not? What do you think
Speaker 1: he's honest and experience? All right, who are we going
Speaker 1: to now, may Eve? I'm going to guess how to
Speaker 1: pronounce that? How do you pronounce your name?
Speaker 4: My Eve?
Speaker 1: It was pretty close, may Eave?
Speaker 10: Yes, thank you? Yes, Hello, I'm glad. I'm glad you
Speaker 10: responded to my email. What I want to tell you
Speaker 10: about not to go into a deep drama. I'm very
Speaker 10: unhappy with the garage or opener company that I just
Speaker 10: dealt with, and I wanted you to tell me who
Speaker 10: is the best garage or opener company? And I live
Speaker 10: in Boulder, so it could be Boulder, Denver that are reliable.
Speaker 1: And what do you need done? Do you need a
Speaker 1: new door or an opener? What do you need done?
Speaker 10: Opener? When it freezes cold, it doesn't open and I
Speaker 10: have to go to work and I can't get my
Speaker 10: client out of out of it.
Speaker 8: Well, I don't know.
Speaker 1: So what happened with the company that came out?
Speaker 10: Okay, I got I contacted them between and a half
Speaker 10: years ago because I was having the same problem. I'm
Speaker 10: an older garage er opener and they installed it a
Speaker 10: new one and put a liftmaster in there, which is
Speaker 10: supposed to last ten fifteen years, and he's I said, well,
Speaker 10: this one ever freeze when it was cold, and he
Speaker 10: said no, because it's Wi Fi connected. And I was
Speaker 10: very gullible and thought, whatever, Yeah, a big deal.
Speaker 1: I mean, who cares if it's Wi Fi? The only
Speaker 1: if it freezes, it freezes. I mean, so it doesn't
Speaker 1: have enough to work to break through some kind of
Speaker 1: icing that happened somewhere.
Speaker 4: Yeah, it's your door freezing up or what odds.
Speaker 10: It's the little opener on the outside that you punch
Speaker 10: in a clothes Oh.
Speaker 1: The buttons are working. Yes, Okay, let me ask.
Speaker 10: You everybody else. I have a condo beautiful Mountain View
Speaker 10: here and Boulder.
Speaker 1: So you can reprise. Okay, hold on, hold on, hold on,
Speaker 1: you can replace just that part. You know that, right.
Speaker 10: I wanted them to, you know, take care of it.
Speaker 1: So what did they say when they came out?
Speaker 10: Okay, they came out and he looked around. This person.
Speaker 11: I did not feel like he had knowledge.
Speaker 10: She he looked around. They didn't charge me anything because
Speaker 10: I was already their customer. He looked around and he said, well,
Speaker 10: I think the problem is just because you have an
Speaker 10: LED light up there, and I said, what does that
Speaker 10: have to do.
Speaker 1: With it getting it doesn't have any heat? No, that's true. Listen, listen,
Speaker 1: please please please listen. I want to help you out.
Speaker 1: That could be very valid. I don't know how close
Speaker 1: that bulb is, but I'm going to tell you something.
Speaker 1: Where I live now, and they put up the LED
Speaker 1: traffic signs when it gets really cold and blowing snow,
Speaker 1: you can't see anything. You can't see the green, the red,
Speaker 1: the yellow because there's no heat forming. But you can
Speaker 1: buy a better punch key on Amazon for next to nothing,
Speaker 1: or better yet, a little key chain, a key fob
Speaker 1: that'll open that door.
Speaker 15: Cool.
Speaker 10: Can you recommend a good gruge or coming into would
Speaker 10: helped me have something that won't freeze up and I
Speaker 10: can get into my garage so I can go to work.
Speaker 1: I would like. I mean, I don't think you need
Speaker 1: a garage door company. Is what's driving me nuts about this?
Speaker 1: I just wish I.
Speaker 4: Knew what you mean by freezing up.
Speaker 1: Like she's saying, the pad itself, the keypad doesn't work.
Speaker 4: I do you do you have an opener in your car?
Speaker 10: No? I don't, But when I do, do that when
Speaker 10: I hit the keep pad, it blinks and nothing happens.
Speaker 10: When it's too cold and I can't get into the
Speaker 10: car and I can't go to work, and I'm a
Speaker 10: nervous That's not a good thing.
Speaker 1: No, that's not good at all personally.
Speaker 10: The light I was talking about the led she walked
Speaker 10: into the garage. The lipt masters up on the ceiling
Speaker 10: in the garage, and it's a light upstairs. It's not
Speaker 10: even close to the outside.
Speaker 4: Un Okay, Well that that has nothing to do with
Speaker 4: your garage, and it out wasn't. So I'm just curious
Speaker 4: why you have just a key punch thing on the
Speaker 4: outside of your garage and you don't have a remote
Speaker 4: in your car, you don't have something on the wall
Speaker 4: in the house. I mean, why not?
Speaker 10: Honestly, the reason is because I lost that a long
Speaker 10: time ago.
Speaker 4: Okay, that's super easy to replace.
Speaker 1: So I'm gonna give you a number to somebody that
Speaker 1: we like. It's one clear Choice doors dot Com. Okay,
Speaker 1: oh yes, please. Those guys go from Boulder all the
Speaker 1: way to the Springs, maybe even Pueblo. Three oh three,
Speaker 1: five six, five sixty four oh nine. Now if that
Speaker 1: door opener, I'll give it to you again in a second.
Speaker 1: But I really want you to listen to this. If
Speaker 1: that garage door opener is only three years old, like
Speaker 1: you said, and it's a liftmaster, there's going to be
Speaker 1: a single button on it. You might need a ladder
Speaker 1: or step stool to reach it. But if you listen
Speaker 1: to me, you go onto Amazon. You can buy a
Speaker 1: keychain fob I'm staring at for ten dollars. All you
Speaker 1: have to do is hit the button on the garage
Speaker 1: the smart learn and then click the button on the
Speaker 1: fob and you train it. And the thing is so
Speaker 1: small it goes on your keychain. And you could do
Speaker 1: that and that's going to lost you ten dollars. Then
Speaker 1: you have that, So that might be what you want
Speaker 1: to do, but you know it's up to you. If
Speaker 1: you want to call a garage door company, you can
Speaker 1: do that as well.
Speaker 10: Oh kay, I'll have a friend of mine help out
Speaker 10: with that because I appreciate it.
Speaker 1: I just yeah, that's that's going to be the best way,
Speaker 1: the cheapest way. And then you have a remote again.
Speaker 1: I mean, then you have a remote again. You can
Speaker 1: also on Amazon buy the keypad. The Keypad's twenty two
Speaker 1: dollars for a new one, a brand new one that'll
Speaker 1: connect up to what you have. It's only two screws
Speaker 1: and it takes batteries and you know it might Yeah,
Speaker 1: so there's different options there. But if you know someone
Speaker 1: that can help you out, the programming, if it's only
Speaker 1: three years old, is very easy.
Speaker 10: Okay, okay, all right, okay, thank you so much.
Speaker 1: You're welcome.
Speaker 10: That was so helpful. I've good day, bye bye.
Speaker 1: Thank you. What do you think she's going to do?
Speaker 1: John Scott, I'm.
Speaker 4: Just cring to call the call the garage company. Yeah,
Speaker 4: you know, and pay a couple hundred dollars for a
Speaker 4: ten dollars item.
Speaker 15: Yeah.
Speaker 1: Well that's what people do. That's that's what makes a
Speaker 1: world go run. That's what people do. One line open
Speaker 1: three zero three seven one three eight two five five.
Speaker 1: I cut you off, Skot, what reason? What do you
Speaker 1: think she's gonna do? Yeah, no, go on, we're on here.
Speaker 14: Go ho.
Speaker 15: I think she's gonna call the garage store company store company.
Speaker 15: I was thinking we do have a locksmith in Boulder.
Speaker 1: It's still over a hundred bucks, yeah, just for the
Speaker 1: call out. But yeah, I mean that might be a
Speaker 1: better way. For here. Those five. They're dirt cheap on Amazon,
Speaker 1: I mean dirt cheap, and they're universal. They work with
Speaker 1: almost anything out there. All right, Pam's got a problem
Speaker 1: with the roof in a townhouse. Then we've got two
Speaker 1: questions on car insurance. One might be a comment, and
Speaker 1: then Liz, you're gonna be up next. She's got a
Speaker 1: problem with car insurance. Whole night.
Speaker 7: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 7: dot com.
Speaker 8: Don't pay a cent until you're contenth.
Speaker 7: Time for an insurance check up free, no obligation. In comparison,
Speaker 7: call Compass Insurance paying too much your coverage at dozens
Speaker 7: of insurance companies find out now three oh three, seven
Speaker 7: to seven to one help. You'll think you're his only
Speaker 7: customer when you choose Frank durand the real estate Man
Speaker 7: dot com to list your home with Remax Alliance three
Speaker 7: all three nine two zero sixteen twenty two.
Speaker 1: All right, three oh three seven one three eight two
Speaker 1: five five one line open. You've been ripped off taking
Speaker 1: advantage of he got the big break coming up. I
Speaker 1: promise Liz you're up first, followed by Margaret. Pam's got
Speaker 1: a problem with the townhouse. One line open any questions
Speaker 1: for John Fuller, Attorney at law as well. He is
Speaker 1: the auto accident guru. He knows it all. John, real
Speaker 1: quick for we go to break How quick should someone
Speaker 1: call an attorney, like a couple days, within two days?
Speaker 1: If not immediately?
Speaker 4: Yeah, I the sooner the better, I mean the perioday
Speaker 4: of the accident before you really make any decisions about
Speaker 4: setting up claims, getting medical care, all that kind of stuff. Obviously,
Speaker 4: if it's an emergency, go to the hospital. But after
Speaker 4: that call me all.
Speaker 1: Right three oh three seven one three eight two five
Speaker 1: five We will be right back.
Speaker 7: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 7: dot com.
Speaker 8: You don't pay a.
Speaker 7: Cent until you're contenth time for an insurance check up free,
Speaker 7: no obligation. In comparison, call Compass Insurance paying too much
Speaker 7: your coverage at dozens of insurance companies find out now
Speaker 7: three oh three seven seven to one help. You'll think
Speaker 7: you're his only customer when you choose Frank durand the
Speaker 7: real estate Man dot com to list your home with
Speaker 7: Remax Alliance three.
Speaker 8: Oh three nine two zero sixteen twenty two.
Speaker 1: New so.
Speaker 2: Running as fast as we can. Shoot's gonna help.
Speaker 6: Come man, this is.
Speaker 1: The Troubleshooter Show. No Tom Martinez. Welcome, my friends. Welcome
Speaker 1: to the show, the only show of it's kind. We're
Speaker 1: here to solve problems, answer your questions, take complaints. Our
Speaker 1: goal in life is to make your life a little
Speaker 1: bit better. You've been ripped off, maybe you've been taken
Speaker 1: advantage of. Maybe you just want to expose some sleees
Speaker 1: back out there that took money, didn't finish the job,
Speaker 1: didn't even show up and start the job. Those are
Speaker 1: the worst guys out there. And by the way, talking
Speaker 1: about the worst of the worst, you ready go to
Speaker 1: this go to Sleeze brigade dot com. These guys are
Speaker 1: the bad guys like Don Eiley. He took over ten
Speaker 1: million dollars from small businesses by filing phony tax reports
Speaker 1: to the IRS for their employees. Over ten million dollars.
Speaker 1: He put a lot of companies into bank. A lot
Speaker 1: of people don't know this. You got a bad accountant
Speaker 1: and your left hold in the bag. These people thought
Speaker 1: they were paying the money he would phony up reports. John,
Speaker 1: this guy was in a way brilliant. I had no
Speaker 1: idea how bad the IRS was I remember it calculating.
Speaker 1: He would phony up reports and give them to you, saying, okay,
Speaker 1: for your ten employees, we sent whatever ten thousand dollars
Speaker 1: to the IRS for your payroll taxes. Then what he
Speaker 1: would do with the IRS he would send zeros. He
Speaker 1: would say you didn't have any employees. But the remarkable
Speaker 1: part about what Don Eiley got away with shows how
Speaker 1: bad the IRS is. And this is what I mean.
Speaker 1: At the end of the year, if you work for somebody,
Speaker 1: what do you get? Get a W nine. These people
Speaker 1: would actually get a phony W nine showing they paid
Speaker 1: one hundred thousand dollars even though zero was paid on
Speaker 1: their behalf. And guess what they would actually get refunds.
Speaker 1: How the hell does that happen? I mean, it's really remarkable. Yeah,
Speaker 1: I've actually seen that before. I worked for a guy
Speaker 1: at one point that was a little.
Speaker 4: He didn't crook it, didn't pay a lot of his
Speaker 4: taxes on time. The IRS would regularly walk in the
Speaker 4: front door and mosey back to his office to have
Speaker 4: a little chat. And I recall that one of the
Speaker 4: things that he didn't pay was a lot of the
Speaker 4: withholding taxes and all the employees filed regular returns and
Speaker 4: it was just as if they had paid. The IRA
Speaker 4: gave them refunt for it, just as if they had
Speaker 4: actually paid. So they don't double victimize, you know, the
Speaker 4: actual victims, and then they go after the person that
Speaker 4: didn't pay.
Speaker 1: So what happens ultimately with Don Eiley's victims is it
Speaker 1: was the businesses. The IRS did not go after the
Speaker 1: individuals because they're like, well, that's impossible. I mean, it
Speaker 1: really is. How would they ever know in a million years.
Speaker 1: Imagine if you worked here, an extreme example, you worked
Speaker 1: for King Soupers and find out for the last five
Speaker 1: years they've paid nothing. Well, there's nothing you're gonna do it.
Speaker 1: But they did go after the businesses. Oh my god. Yeah,
Speaker 1: a lot of them literally are still paying now or
Speaker 1: they ended up going bankrupt. But you know what that means,
Speaker 1: can't get rid of the text. You still have to
Speaker 1: pay what they call the trust fund portion. You can't
Speaker 1: even if a business goes bankrupt, you still have to
Speaker 1: pay the trust fund portion. So Uncle Sam gets his
Speaker 1: pound of flesh no matter what. But that is what
Speaker 1: sleswrigade dot com is all about. By the way, one
Speaker 1: line open three zero three seven, one three eight, two
Speaker 1: five five. This hour brought to you by Frank Duran,
Speaker 1: the real estate man. How I love thee Frank Duran
Speaker 1: made us so much money when we sold our house
Speaker 1: in Castle Rock. He listed it for less than I
Speaker 1: thought he should list it for. But it was nothing
Speaker 1: but a trick. Yeah, he tricked everybody. Then he got
Speaker 1: this bidding war going and I ended up making more
Speaker 1: on that house than I ever imagined. Then he helped
Speaker 1: me negotiate the new house we were buying in Franktown.
Speaker 1: Save me a almost save me one hundred thousand dollars
Speaker 1: on it. Frank's the best out there. You want the best.
Speaker 1: He's the nicest guy. He's a great man. Frank Duran
Speaker 1: Homes dot com, Frank Duran Holmes dot com. Now let's
Speaker 1: hop back to the phones. One line open, three zero three, Martino.
Speaker 1: You can always email us at help at troubleshooter dot com.
Speaker 1: John Fuller In, Deputy Dimitri, Deputy Scott. They're all in
Speaker 1: here today. So if you've been ripped off, now is
Speaker 1: a good day. By the way, before I hit the phones,
Speaker 1: did you end up calling Walmart? We had this woman
Speaker 1: call up. I got to recap it real quick. First
Speaker 1: call of the day. It was crazy. Her friend, who
Speaker 1: was a seventy year old woman was in Walmart. This, Uh,
Speaker 1: what do we want to call her? What did we
Speaker 1: call her? Last there?
Speaker 11: What?
Speaker 1: No? No, not the at risk adult? A gypsy. I
Speaker 1: was going to let somebody else say it, but you
Speaker 1: know what, who cares? They are gypsies. This gypsy walked
Speaker 1: up apparently from Romania a caller according to the caller,
Speaker 1: and what happened was said, hey, can you help me out?
Speaker 1: I just need to buy this formula for my baby.
Speaker 1: And she had three cans of formula and she goes
Speaker 1: up and the woman was buying her own groceries. Walmart
Speaker 1: watched the video, according to the caller, and what they
Speaker 1: saw on the video was this this gypsy dropping different
Speaker 1: gift cards and dropping clarendon and dropping different things into
Speaker 1: her cart when she wasn't looking. So when she paid
Speaker 1: for her groceries, she was also not only paying for
Speaker 1: the baby formula, but another five hundred and seventy dollars
Speaker 1: worth of stuff she wasn't purchasing. So Deputy Dimitri, he
Speaker 1: called up Walmart. You asked for the store manager if
Speaker 1: the store manager wasn't there. I told you, get the
Speaker 1: market manager. Where are we at on this phoa?
Speaker 15: I called them both. The store manager is out today,
Speaker 15: but I left them a voicemail alone with a reason
Speaker 15: why I called. And then they also did refer me
Speaker 15: to their market manager as you suggest that he'll be
Speaker 15: back at noon. Now he's got my name, phone number,
Speaker 15: the reason for my call.
Speaker 1: So I think the market manager will reach back out
Speaker 1: to you. They're pretty good. Yeah, so I'll update this.
Speaker 1: This is the moment I speak with that. How much
Speaker 1: do you think a market manager? I just want to
Speaker 1: ask you guys something. How much do you think an
Speaker 1: average Walmart market manager is over? As far as dollars
Speaker 1: I'm not talking salary, let's say the average I'm not
Speaker 1: even gonna make a guess because it's so absurd. You
Speaker 1: got to figure one hundred and fifty million per store
Speaker 1: and somewhere between ten and twenty stores. So that man
Speaker 1: generates some money. He does, and he gets well paid.
Speaker 15: I mean a typical Walmart manager, the GM gets paid
Speaker 15: about two hundred thousand bucks.
Speaker 1: So with bonus. Now, some of them at complex stores,
Speaker 1: A complex store example is Aurora, a complex store. That
Speaker 1: store manager if he hits all his bonuses, can easily
Speaker 1: make over a half a million dollars. I know they
Speaker 1: started that about less than a year ago. Wow, yeah,
Speaker 1: they started to incentify. But if you think of that
Speaker 1: complex store, that guy's probably pulling down two hundred million
Speaker 1: dollars a year.
Speaker 15: Probably it works. He probably works every day for twelve
Speaker 15: hours a day.
Speaker 1: Well, of course, she's it's very possible, all right, three
Speaker 1: oh three seven one three eight two five five Now
Speaker 1: I digress. We're going to Margaret, You're next on the list,
Speaker 1: followed by Liz. Margaret, what is your question about car
Speaker 1: insurance or your comment?
Speaker 17: So my comment is, I'm just calling to give advice
Speaker 17: to the listener's mark. Sure, my son was in he
Speaker 17: was not in the car accident, but he was in
Speaker 17: a restaurant eating and had parked his car out at
Speaker 17: the end of a street and a woman came around
Speaker 17: the corner and ran into his car and pushed it
Speaker 17: into the car in front of him. And that was
Speaker 17: while he was eating, and so he came out an
Speaker 17: hour later, and you know, it ended up that he
Speaker 17: had nothing to do with it. Luckily, this gal had insurance,
Speaker 17: but the insurance company didn't get back to him until
Speaker 17: this morning, and so he had been calling in the
Speaker 17: kept saying, well, that person's not in the office today,
Speaker 17: they'll get back to you. You know, on Monday.
Speaker 1: What insurance company was in, Margaret, the USAA. So the
Speaker 1: person in USAA hit your son's car that in return
Speaker 1: hit the car in front of him where he was parked.
Speaker 17: No, no, no, no, no, that's just the insurance company
Speaker 17: that the woman driving the car that hit my son's car.
Speaker 1: Now, but that's what I'm saying. So, but it doesn't matter.
Speaker 1: They're going to get paid. So what's your advice.
Speaker 17: So USAA got back to us today and said, oh,
Speaker 17: there's going to be a delay. Why don't you just
Speaker 17: go ahead and contact your insurance company and it'll make
Speaker 17: everything go faster.
Speaker 1: Well, the problem with that is here's the issue. You
Speaker 1: end up paying the deductible, which generally isn't a bad
Speaker 1: thing because you will usually get that recouped, right, John.
Speaker 4: Yeah, when you fall acclaim for an event that you
Speaker 4: were not at fault for and another insurance company ends
Speaker 4: up accepting liability, the very first dollar that they pay
Speaker 4: out on that is used to reimburse you for your deductible.
Speaker 17: So John, I have an insurance broker, and he advised
Speaker 17: us to refuse putting the claim into our insurance company
Speaker 17: to keep our rates from going out.
Speaker 4: Okay, So let me just address one thing that really
Speaker 4: needs to be cleared up. Your insurance broker does not
Speaker 4: represent your insurance company. They are a salesperson, Okay. They
Speaker 4: don't know one thing about claims, administration, or rate adjustments
Speaker 4: or anything else. If you're not at fault for an accident.
Speaker 4: We were talking about this earlier. There is a law
Speaker 4: in Colorado that says there's two instances where they cannot
Speaker 4: raise your rates, you know, following an accident. One is
Speaker 4: when you're not at fault, okay. And then the second
Speaker 4: part of that is when you use a coverage that's
Speaker 4: mandatory like medpay or something like that, or or even
Speaker 4: uninsured motorists that requires as a prerect was it for
Speaker 4: use that somebody else be at fault. Those two instances,
Speaker 4: you can't be penalized by the by the cancelation of
Speaker 4: your policy.
Speaker 1: Why do you think, John, and we hear this all
Speaker 1: the time, It doesn't matter, we hear it all the time,
Speaker 1: exactly what you say, Why do you think an agent
Speaker 1: would actually spread that bad information. I don't think the
Speaker 1: agent is necessari sarily lying. I would guess they just
Speaker 1: have no clue.
Speaker 4: They have no clue. Okay, they truly don't, and people believe.
Speaker 17: I just have to let I just have to let
Speaker 17: you know. As soon as my son called and refused
Speaker 17: to contact our insurance, yeah, they immediately jumped on it.
Speaker 17: And now they're going to look at his car tomorrow.
Speaker 4: Well, I mean that's good, that's great, But that doesn't
Speaker 4: that doesn't.
Speaker 11: Net anything that I refuse.
Speaker 1: Well, good for you, Margaret, You're not You're not really
Speaker 1: listening though. Just just understand in the future, the insurance companies,
Speaker 1: at least in the state of Colorado, is at everywhere.
Speaker 4: John, Yeah, no, it's it's well, it's certainly in the
Speaker 4: state of Colorado. Listen, there are types of insurance that
Speaker 4: you buy that cover you in exactly this circumstance, and.
Speaker 1: They can't up your weight in when you use.
Speaker 4: Yeah, why in the world would you be penalized by
Speaker 4: using what they sold you that provides coverage for this event.
Speaker 17: Well, I mean, they weren't gonna they weren't going to
Speaker 17: offer to get him a rental car, you know, until
Speaker 17: they went and checked out the car and everything, and
Speaker 17: so they were saying, you know, put it into your
Speaker 17: own insurance and they can cover it.
Speaker 11: And then get yeah, that's.
Speaker 4: An easy way to buy time, and it freeze them.
Speaker 4: You know, they're insured up to you know, to drag
Speaker 4: their feet and everything else. But listen, you didn't really
Speaker 4: get one over on them. I'm glad they took that position,
Speaker 4: but in the end, but in the end, they would
Speaker 4: have paid that claim and they would have paid your
Speaker 4: insurance company back for every penny that they paid out
Speaker 4: to fix your vehicle, and they would have paid your
Speaker 4: son back for his deduction.
Speaker 1: And it wouldn't have penalized you at all, because look
Speaker 1: at it this way, they got all their money back.
Speaker 1: They just simply gave you the money because they're your
Speaker 1: insurance company, to go out and get a new car
Speaker 1: and get it fixed, get a rental car, whatever the
Speaker 1: coverage is. But they literally, in this case, would have
Speaker 1: gotten every single dollar back. Margaret, from the other company.
Speaker 1: All you did was.
Speaker 4: Just you know, mess with the timeline and stuff. But
Speaker 4: you didn't You didn't force them to pay for something
Speaker 4: they weren't already going to be paying for.
Speaker 1: Just at some point down the road. Thanks Margaret. Three
Speaker 1: oh three seven one three two five five. We're gonna
Speaker 1: have two lines open in a second. I'm gonna come
Speaker 1: back for Liz and then Pam, and then your call
Speaker 1: will be after that. Three oh three Martino.
Speaker 7: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 7: dot com. You don't pay a cent until you're content.
Speaker 7: Time for an insurance check up free, no obligation. In comparison,
Speaker 7: call Compass Insurance paying too much your coverage at dozens
Speaker 7: of insurance companies find out now three all three seven
Speaker 7: to seven to one.
Speaker 1: Help.
Speaker 7: You'll think you're his only customer when you choose Frank
Speaker 7: durand the real estate Man dot com to list your
Speaker 7: home with Remax Alliance three all three nine two zero
Speaker 7: sixteen twenty two.
Speaker 1: All right, three oh three seven one three eight two
Speaker 1: five five. You've been ripped off for taking advantage of
Speaker 1: This is the show for you. We've got a full
Speaker 1: house today. We've got Deputy Scott, Deputy d We've got
Speaker 1: John Fuller, Attorney at law. We've got a lot cooking.
Speaker 1: We were talking over the break once again, it's hard
Speaker 1: to believe that people don't understand certain coverages, certain coverages
Speaker 1: that you pay for, you do not get punished if
Speaker 1: you use them. They simply can't. Is that actually a
Speaker 1: statute in Colorado? Yes, so that's it. You understand you're
Speaker 1: not allowed to the insurance company cannot. One of them
Speaker 1: is medpay. We talked about that and really quick, medpay
Speaker 1: is interesting. John told me something or taught me something
Speaker 1: about medpay in the state of Colorado. Every different, but
Speaker 1: it's mandatory in Colorado unless you deny it. The way
Speaker 1: you deny it is you would generally check a box
Speaker 1: on the policy saying I don't want this coverage. There's
Speaker 1: one company out there that John is never seen. Is
Speaker 1: that still true till this day? Yep, not one. There's
Speaker 1: one company out there. I'd love if you can guess it.
Speaker 1: I'm not going to say the answer yet, but there's
Speaker 1: one company that we assume when they actually print the forms,
Speaker 1: they already check the box saying you do not want
Speaker 1: med bay coverage. Guess what that company is. I'd love
Speaker 1: to hear from you. Guess what that company is, and
Speaker 1: maybe you'll win a prize. Now listen, here's what the
Speaker 1: deal is with you. No, don't say rhymes. Well, it's
Speaker 1: like you. But here's here's the funny part. That coverage
Speaker 1: is pretty cheap, right, bed Bay, very cheap, and you
Speaker 1: can use it if you're in an accident period, you
Speaker 1: can use it. That's it. You can just use it.
Speaker 1: You can apply wherever you want, pretty much, no questions asked.
Speaker 4: Yeah, I mean, here's the cool thing about it. It
Speaker 4: applies no passers. It's not fault dependent, so even if
Speaker 4: you happen to be at fault for an accident, it
Speaker 4: still kicks in.
Speaker 1: Okay, hold on, let me get a person. Tell me
Speaker 1: if this scenario is correct. In you and I are
Speaker 1: driving to my house, I slide on ice and I
Speaker 1: end up in the ditch and you hit your head
Speaker 1: on the window and you've got to go to the er. Yep,
Speaker 1: that was my fault. Yep, that accident. But that coverage
Speaker 1: would cover it, Yes, absolutely, medpay you bet? And then
Speaker 1: how about if no one was in the car with me?
Speaker 1: Still covers it? It covers me, It does, so it
Speaker 1: covers whatever you want. And it's cheap, and it's mandatory
Speaker 1: unless if you deny the coverage.
Speaker 4: Yeah, so it's and it's per person. So keep in
Speaker 4: mind it's it's you would have. You know, if it's
Speaker 4: five thousand dollars, you would have five thousand. I would
Speaker 4: have five thousand. And you know, I always use the
Speaker 4: example of when I was, you know, earlier, my daughter
Speaker 4: played volleyball. We would have six girls in the back
Speaker 4: of the thing going to a tournament or something. You know,
Speaker 4: if something happened, know what their coverages are. I don't
Speaker 4: know what health insurance they have or anything else, but
Speaker 4: I know that my Medpay will cover each of them
Speaker 4: up to the amount that I purchased. So you know,
Speaker 4: if we go to the er, I know at least
Speaker 4: there's some coverage that's gonna be able to.
Speaker 1: Help you on.
Speaker 15: My agent told me something that maybe you can clarify this.
Speaker 15: He said, it doesn't even have to be in an accident.
Speaker 15: He said, I could fall out of the car getting
Speaker 15: in or out. He said, I could be injured while
Speaker 15: working on my car, and Metpay will cover. Does that
Speaker 15: sound right?
Speaker 4: You're dancing on the line, you know, between coverage and not.
Speaker 4: I mean it has to be and there are definitions
Speaker 4: in the policy Dmitri that will really strictly define when
Speaker 4: it's going to kick in. So if it has to
Speaker 4: do with your car. Pretty likely that it's going to
Speaker 4: kick in, you know, if you're.
Speaker 1: Working on your lawnmower. Not so much. Okay, well, okay,
Speaker 1: wait wait I'd like his question. Let me follow up
Speaker 1: with something that could really happen in Denver. For example,
Speaker 1: you pull up to a stop sign or something, and
Speaker 1: maybe you would go a little too far into the
Speaker 1: crosswalk and one of those scooters runs India and the
Speaker 1: guy on the scooter's hurt. Medpay no, no, no, and
Speaker 1: that's going to be liability.
Speaker 4: So back in the day when we used to have
Speaker 4: PIP or Personal Injury Protection or the true noble Jersey,
Speaker 4: it did cover that pedestrian. If you ran over a pedestrian,
Speaker 4: your personal injury protection would kick in and help pay
Speaker 4: that person's medical bills. But they got rid of that
Speaker 4: when they changed over to medpay.
Speaker 1: Got it? So all right, Liz, what's going on with you?
Speaker 18: Hi? I co signed an auto loan with my daughter
Speaker 18: back in twenty twenty and this year twenty twenty four,
Speaker 18: the car was totaled.
Speaker 10: When I bought the car or a co signed the car, there.
Speaker 18: Was a gap insurance policy included.
Speaker 14: On the law.
Speaker 18: Got it and I'm finding out now as.
Speaker 10: I try and make a claim.
Speaker 18: They are saying that the dealership canceled the gap policy
Speaker 18: in July of twenty twenty.
Speaker 1: And why would they have done that? And how do
Speaker 1: you know they did that? Did you talk to the
Speaker 1: who was the gap coverage through? Like Progressive?
Speaker 6: Who it's through?
Speaker 10: JM and a group?
Speaker 1: Okay? And they're saying how long after you purchased the
Speaker 1: car would that be?
Speaker 10: It would have been four or five months? Is it canceled?
Speaker 1: Yeah? I understand you didn't. Is it possible. Have you
Speaker 1: spoken to the other person that purchased the car? I
Speaker 1: think you said it was your daughter?
Speaker 14: Yes?
Speaker 10: Uh no, Yes, she did not cancel the either. I
Speaker 10: was in charge of this.
Speaker 1: Why would they I'm trying to understand. When you call
Speaker 1: the dealership up, what did they say?
Speaker 10: Well, I never got a hold of them. They told
Speaker 10: me to call the financial a the financial service department
Speaker 10: at the at medbad and they never returned my call.
Speaker 1: Heys a couple of real basic questions. Do you still
Speaker 1: have the sales order? Do you have that? I would
Speaker 1: like to look at that and then and then have
Speaker 1: you matched it up? Let's say the total amount was
Speaker 1: fifty thousand with all the add ons and sales tax.
Speaker 1: Let's say the total amount financed or even paid for
Speaker 1: was x amount. Did that include the GAP coverage?
Speaker 10: Yes? It did well?
Speaker 1: Why would? And you never received the refund from the
Speaker 1: insurance company?
Speaker 4: Never never refindands, I never did anything else like that.
Speaker 1: Hold on, John asked a good question. Did you ever
Speaker 1: refinn it? Nothing?
Speaker 18: Now, It's always been done through ALI Bank. And additionally,
Speaker 18: another concern I had is that my loan, my loan
Speaker 18: through l I Bank involves also has auto loan protection
Speaker 18: on my car insurance policy.
Speaker 1: I don't know what that is. What is auto loan protection?
Speaker 4: Sounds like another GAP is allied a credit union or
Speaker 4: is that a bank.
Speaker 15: They're a big auto they're a big lender for They
Speaker 15: specialize in auto loans for both dealer floor plans and consumers.
Speaker 1: So here's the thing.
Speaker 4: I mean, they had to fund that loan, and and
Speaker 4: if they funded the loan based on the buyer's order,
Speaker 4: that showed that premium going out to the GAP insurance company,
Speaker 4: either Medbed is going to have to make explaining to
Speaker 4: do as they stay or or there's a deficit in
Speaker 4: that deal. I mean, either they paid the premium or
Speaker 4: they didn't.
Speaker 1: Could you send us a copy of that?
Speaker 11: Yes, I sure can't.
Speaker 1: Does have gap on there? I mean they would have
Speaker 1: the only thing I could think And I don't know why.
Speaker 1: I guess one thing that could have happened. And I'm
Speaker 1: not saying you did, but just based on what she's saying,
Speaker 1: they wanted to make more profit on the car, so
Speaker 1: they canceled it. I mean, other than that, I'm not
Speaker 1: sure why the hell they do. It wouldn't surprise.
Speaker 15: But then they're responsible for it, right, They sneakily canceled
Speaker 15: your insurance. Let's see, they're taking the risk.
Speaker 1: Well, they better figure out why they did it. They
Speaker 1: better have something in writing. They better have something.
Speaker 4: That's a that's a much bigger thing. It's not just
Speaker 4: as simple as waving a wand and saying med they
Speaker 4: get your check book out. But but yeah, if they
Speaker 4: somehow nefariously canceled that policy.
Speaker 1: Five months later, that's what's weird. This what doesn't make sense?
Speaker 1: When can you send that over? I can send it
Speaker 1: right now, Liz, send it over. I'm going to put
Speaker 1: you on whold three O three seven one three eight
Speaker 1: two five five Did she say was that the medved
Speaker 1: down in Castle Rock? Where is that one? I think
Speaker 1: they sold it? What medvet is it?
Speaker 10: It wasn't wheat.
Speaker 1: Ridge, wheat rich all right? Hold tight? Three oh three
Speaker 1: seven one three eight two five five real quick? Jacob's
Speaker 1: got a comment on insurance or a comment on my comment?
Speaker 12: Yeah, a couple of things, Mark, I wanted to say
Speaker 12: that I'm pretty sure I know.
Speaker 1: Who that is.
Speaker 6: Uh would it be uh? Fred Loya?
Speaker 1: You just nailed it? Win or winter ding ding ding
Speaker 1: ding ding you just one time?
Speaker 12: And then another thing I was going to ask you
Speaker 12: to about how you're saying they can't raise your rates
Speaker 12: if you use like medpay and stuff. Yeah, what's the
Speaker 12: stop them from just raising your rates when you go
Speaker 12: to renew?
Speaker 4: Okay, So here's here's the thing. I mean, here's the reality.
Speaker 1: They can't raise the raids based on right. Yeah, they cannot.
Speaker 4: Just if they decide to raise your rates, you're entitled
Speaker 4: to say why, and I promise you it'll never be
Speaker 4: explained to you that, oh, you used your medpay. But
Speaker 4: the statute is very clear. Medpay is a mandatory coverage.
Speaker 4: They can't make you buy it and then penalize you
Speaker 4: for using it. It is primary in Colorado. It is
Speaker 4: supposed to go first. It was designed to help pay
Speaker 4: the emergency rooms and the first responders that were getting
Speaker 4: just hosed when they changed the law over about twenty
Speaker 4: years ago.
Speaker 1: But Jacob, to your point, it always goes up. In fact,
Speaker 1: I don't remember. I think one time during COVID, John
Speaker 1: in the middle of COVID, I got a check from
Speaker 1: Safego for like forty eight dollars saying, no one's driving now,
Speaker 1: so here's forty eight dollars. Here's some history.
Speaker 4: I have had three hail claims in three Fridays in
Speaker 4: a row several years ago, big ones, and they were
Speaker 4: all separate claims. They were big, big claims, and and
Speaker 4: all State at the time was my insurance company. And
Speaker 4: all State assured me that we know we would never
Speaker 4: raise your rates based on a catastrophic event. That's we
Speaker 4: would never do that, mister Fuller. That's just not how
Speaker 4: we rolled, and they did. We would never do that.
Speaker 4: The following year my insurance doubled. That was because of
Speaker 4: what it was, not because of those those it was
Speaker 4: those Colorado We just re rated the area, mister Fuller.
Speaker 1: That's all it was.
Speaker 4: You know so, I mean, come on, the reality is
Speaker 4: they're going to raise your rates no matter what. But
Speaker 4: they can't do it specifically because you used that mandatory
Speaker 4: medpay coverage. So you know what, use it? Why buy
Speaker 4: it and use it? Yeah, that's it.
Speaker 1: He did win that, he got Hey, so do me
Speaker 1: a favorite, Kelly. Tell Tom he's got to pull his
Speaker 1: dinger out and go meet up with Jacob somewhere. I
Speaker 1: think he should take the helicopter. You know that's not
Speaker 1: a bad idea, held tight.
Speaker 7: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 7: dot com.
Speaker 8: You don't pay a cent until you're content.
Speaker 7: Time for an insurance checkup free no obligation comparison call
Speaker 7: Compass Insurance paying too much your coverage at dozens of
Speaker 7: insurance companies find out now three all three seven to
Speaker 7: seven to one help. You'll think you're his only customer
Speaker 7: when you choose Frank durand the real estate Man dot
Speaker 7: com to list your home with Remax Alliance three oh
Speaker 7: three nine two zero sixteen twenty two.
Speaker 1: All right both three oh three seven one three eight
Speaker 1: two five five. We have two lines open. You've been
Speaker 1: ripped off or taking advantage of next hour, Deputy Dmitri
Speaker 1: is actually doing something very interesting. We're going to dive
Speaker 1: into that. But he's got a clash a class action lawsuit.
Speaker 1: Basically you started it right.
Speaker 15: Yeah, I've been researching junk textures and a federal body
Speaker 15: of law called the TCPA that prohibits such behavior.
Speaker 1: And you filed last week in small claims. That's a
Speaker 1: different key.
Speaker 15: That's not the class action that that was the case
Speaker 15: that I prosecuting on my own. So I did file
Speaker 15: a small claims action against one text junk texture.
Speaker 1: It was a junk texture.
Speaker 15: Oh, you know, I don't think he's been served yet.
Speaker 1: What was what do they do? Is it political? I
Speaker 1: don't think you can do that. It's he was trying
Speaker 1: to sell me some goods. Just something.
Speaker 15: Yeah, totally random, totally random. He operates some store that
Speaker 15: sells some goods that you know what he got number,
Speaker 15: So that's we're going to find out. I mean, but
Speaker 15: because I have I have a potential claim against whoever
Speaker 15: supplied him with my name and phone number.
Speaker 1: Yeah, that's crazy, man. Text that's the worst thing I
Speaker 1: ever did. I donated one hundred bucks to Trump probably
Speaker 1: twenty sixteen. In fact, I was at a Magiano's restaurant.
Speaker 1: The waitress was driving me nuts. She heard me talking
Speaker 1: about Trump to my kids, came over, inserted her big,
Speaker 1: ugly face into the conversation. So I actually left her
Speaker 1: fifty dollars of my one hundred dollars donation to Trump,
Speaker 1: just to make her day. I put that on the receipt.
Speaker 1: But ever since I made that donation, till this day,
Speaker 1: every Republican known to man has asked me for money,
Speaker 1: every single one.
Speaker 15: Dmitri, Yeah, that was a big mistake. And those people
Speaker 15: are exempt from TCPA.
Speaker 1: Pretend know they are, I know, and it drives me nuts.
Speaker 1: As soon as you block a number, what happens another
Speaker 1: one pops out. I mean it's crazy, John, You have
Speaker 1: any comments on that real quick? I mean, it's it's
Speaker 1: absolutely nuts. Have you ever donated to something then you
Speaker 1: get blown up for the rest of your life? It
Speaker 1: just never stops.
Speaker 4: I yeah, I accidentally did one time and same thing. Yeah,
Speaker 4: but I got on a really cool mailing list. I
Speaker 4: get to see what the other side is doing all
Speaker 4: the time.
Speaker 1: So yeah, all right, three three seven one three two
Speaker 1: five pm. What's going on with this townhouse?
Speaker 18: Why?
Speaker 11: Yes? Well, first of all, it is a townhouse, so
Speaker 11: I share some of my roof with the neighbor. Got it,
Speaker 11: and we had a new roof put on in twenty eighteen,
Speaker 11: and I noticed recently some shingles had raised the nails
Speaker 11: for hanging. So I called the original installer and had
Speaker 11: him come out and look, and he says, oh, it's
Speaker 11: not the installation, it's the shingles have failed. So he
Speaker 11: contacted the company, the shingle company, and they said yes
Speaker 11: and gave us each a settlement letter. So I asked
Speaker 11: the neighbor to wait, not accept the settlement until I
Speaker 11: talked to the roofer, the original installer, and see if
Speaker 11: we could get more, because I thought we should have
Speaker 11: a free roof, not have to pay for a roof.
Speaker 1: Oh wait, wait, I'm curious now, so how much was
Speaker 1: the settlement? Just give me a dollar amount.
Speaker 11: My settlement. Hers was a little bit larger roof, and
Speaker 11: I'm smaller. Mine was eleven thousand some dollars.
Speaker 1: So that eleven thousand if you get the roof done, now,
Speaker 1: how much would it be?
Speaker 11: Well? Originally they originally it started out at eighteen thousand something.
Speaker 1: So what's it at now? How much are they willing
Speaker 1: to do it.
Speaker 11: For well, it's a long story, but the original roofer
Speaker 11: said he would do it for just under three out
Speaker 11: of pocket for me. But we're not using the original roofer.
Speaker 1: Okay, hold on, hold on, wet, I got a few
Speaker 1: things I want to dig into. Let me do this break, Liz.
Speaker 1: I promise I'll bring you back up next. We'll get
Speaker 1: one of our experts on if we need to, but
Speaker 1: we'll get to the bottom of it. Pam or I'm
Speaker 1: sorry that was Pam. Liz. You hold tight now, we're
Speaker 1: going to take a quick break. We're going to come back,
Speaker 1: and we've got a lot cook and hold tight right here.
Speaker 1: The Troubleshooter Network.
Speaker 7: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 7: dot com.
Speaker 8: You don't pass until you're content.
Speaker 7: Time for an insurance check up free, no obligation in
Speaker 7: comparison call Compass Insurance paying too much your coverage at
Speaker 7: dozens of insurance companies find out now three all three
Speaker 7: seven to seven to one help. You'll think you're his
Speaker 7: only customer when you choose Frank durand the real estate
Speaker 7: Man dot com to list your home with Remax Alliance
Speaker 7: three all three nine two zero sixteen twenty two.
Speaker 1: All right, three oh three seven one three eight two
Speaker 1: five five you've been ripped off. Taking advantage of this show.
Speaker 15: Is for you.
Speaker 1: Hey, we got that by order on that car and
Speaker 1: this lady, I'm telling you straight up, Medved definitely charged
Speaker 1: her for gap insurance. I'm gonna bring her back up, Pam,
Speaker 1: I promise. I'm trying to get a roofing expert to
Speaker 1: come on. But hold on, you're gonna be up after Liz. So, Liz,
Speaker 1: this is nuts. They definitely charge you for the gap insurance.
Speaker 1: It's like eight hundred and fifty bucks. It looks like
Speaker 1: you financed the majority of the deal. And then you're
Speaker 1: saying four or five months later, someone canceled the gap
Speaker 1: insurance and that someone was Medved. Correct.
Speaker 11: I don't know who canceled it.
Speaker 1: We should have canceled it, I guess.
Speaker 10: Just I don't know.
Speaker 18: But when I called to make the gap claim with
Speaker 18: the jam M people, they said, no, that was canceled
Speaker 18: back in July of twenty twenty.
Speaker 1: Which is terrified. Months afterwards, did you ask them are? Yeah?
Speaker 1: Did you ask who canceled?
Speaker 11: No?
Speaker 18: I didn't. I was able to speak with anyone, And
Speaker 18: then when I tried to talk to people, it's just
Speaker 18: I'm just getting a total total run around. I can't
Speaker 18: get through to people. They just send me to other
Speaker 18: email addresses and other accounts.
Speaker 1: That's crazy.
Speaker 10: It has been very frustrating.
Speaker 18: And additionally, I had this backup plan for this auto
Speaker 18: loan protection policy and I can't get that to pay
Speaker 18: out either.
Speaker 1: Well, now, wait a second, that I think is more
Speaker 1: of coverage, like something breaks that's on that same line
Speaker 1: item right.
Speaker 10: No, no, no, this is through my vehicle insurance.
Speaker 4: That might be a separate gap policy, but they're probably
Speaker 4: written in their policy to be secondary to an existing
Speaker 4: gap policy if one exists.
Speaker 1: So, my god, so that would mean she has none
Speaker 1: if the other one doesn't exist. Yeah, exactly. Can you
Speaker 1: send us a copy of that policy to look at.
Speaker 1: Here's what we're gonna do though. Here's the bottom line.
Speaker 1: Deputy Scott, or we call him Deputy Dollar, is got this.
Speaker 1: He's gonna call up Medved and start there. He's going
Speaker 1: to get more information from you. But we're gonna hold
Speaker 1: your hand to get through this because I don't know
Speaker 1: how this can happen. I just don't know if the
Speaker 1: bad guy is MEDVED or if the bad guy is
Speaker 1: the insurance company. I have no idea who the bad
Speaker 1: guy is in this, but you're saying for sure you
Speaker 1: didn't cancel it and your daughter didn't cancel it. No, No,
Speaker 1: it's crazy. And neither of you ever received the refund
Speaker 1: check either. Now, see to me, and I hate to
Speaker 1: think this, and this is just my own personal opinion,
Speaker 1: and I'm allowed to have it. To me, it sounds
Speaker 1: like the dealership and I find it hard to believe.
Speaker 1: But my gut goes to the dealership either canceled it
Speaker 1: on accident, or canceled it on purpose to get another
Speaker 1: eight hundred and fifty bucks, or they forgot to mail
Speaker 1: the check to them or something along those hands, and
Speaker 1: the coverage never got put into place. But regardless, you
Speaker 1: don't have coverage. This whole thing sucks, Deputy Scott, let's
Speaker 1: get on the horn with MEDBD, get on with someone
Speaker 1: over in the financing department, and let's figure out what
Speaker 1: the hell's going on with this. I don't know what
Speaker 1: their justification could be. And then the insurance company, they
Speaker 1: got to be able to show us a cancelation note
Speaker 1: or something, got it?
Speaker 6: Got it?
Speaker 1: Mark all right, Hank tight everybody a lot coming up.
Speaker 7: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 7: dot com.
Speaker 8: You don't pass se until you're content.
Speaker 7: Time for an insurance check up free, no obligation in
Speaker 7: comparison call Compass Insurance paying too much your coverage at
Speaker 7: dozens of insurance companies find out now three all three
Speaker 7: seven seven one help. You'll think you're his only customer
Speaker 7: when you choose Frank durand the real estate Man dot
Speaker 7: com to list your home with Remax Alliance three all
Speaker 7: three nine two zero sixteen twenty two.
Speaker 1: Ripped off.
Speaker 6: News need so you don't have.
Speaker 1: Run as fast as we can.
Speaker 2: Shooter's gonna help.
Speaker 3: Come man, this is the Troubleshooter Show Now Tom Martine help.
Speaker 1: Welcome to the only show of it's kind. We're here
Speaker 1: to help. We're here to help you. In fact, I'm
Speaker 1: going to start off this way. Over three hundred million
Speaker 1: dollars three hundred million dollars in cash, merchandise, exchanges, refunds
Speaker 1: services directly due to the show over forty five years
Speaker 1: in Denver, longest running radio show with the same host
Speaker 1: period end of story in the country. If you my
Speaker 1: friends have been ripped off or taken advantage of now's
Speaker 1: the time to call. We have two lines open three
Speaker 1: zero three seven one three eight two five five. Don't
Speaker 1: forget three zho three Martino. That number, of course works
Speaker 1: on and off the air. You can also always reach
Speaker 1: out by email and help HLP at troubleshooter dot com.
Speaker 1: Joining me today in studio John Fuller Fuller Law, personal
Speaker 1: injury attorney. John's actually done some other stuff when it
Speaker 1: comes to legal ees, you were you worked in the
Speaker 1: DA's office years ago, right, No criminal defense for sure.
Speaker 4: Though, Yeah, I did a little bit of criminal defense
Speaker 4: work early on in my career.
Speaker 1: That's hard gig, isn't it. It's a it's challenging, but
Speaker 1: it's fun. It's a you know, well, you know, my
Speaker 1: daughter's in law school. Yep. She was working for Who's
Speaker 1: the big Guy in Wyoming. Yeah, so she during one
Speaker 1: of her breaks last year, was up there. But she
Speaker 1: ended up doing something she pretty much had to defend,
Speaker 1: not her personally because she was in school, but was
Speaker 1: part of it, you know, someone that she thought was disgusting,
Speaker 1: I'll put it the way it was right, and that
Speaker 1: would be very hard for a lot of people to do.
Speaker 1: And I'm not talking about I understand the constitution. We
Speaker 1: all deserve the best defense we can possibly get. It's
Speaker 1: what the country is based upon. But when you have
Speaker 1: like video evidence of someone that's like molesting a child
Speaker 1: or something that's just so insane. God, I just don't
Speaker 1: know how some people can do that. Did you find
Speaker 1: that aspect hard? I'm not saying you ever had a
Speaker 1: case at deplorable, but I mean got it or you
Speaker 1: don't even go down that route as an attorney.
Speaker 4: Listen at the fact that I may represent somebody doesn't
Speaker 4: constitute an endorsement.
Speaker 1: Of what they did.
Speaker 4: Of course, you know, I don't have to say I
Speaker 4: believe and I approve of whatever conduct they did.
Speaker 1: Okay.
Speaker 4: I do believe that the burden of proof is on
Speaker 4: the prosecution.
Speaker 1: Okay.
Speaker 4: I do believe that corners get cut a lot. And
Speaker 4: I do believe that when the government, meaning all of
Speaker 4: the aspects of it, the prosecution to police the whole
Speaker 4: nine yards. If the government cuts corners in cheats or
Speaker 4: manufactures or does something improper, the penalty for that is
Speaker 4: they don't get to put the guy.
Speaker 1: In jail forever.
Speaker 4: Yeah, Okay, that's just my own belief about it, and
Speaker 4: so I didn't have to come to grips with and
Speaker 4: reconcile my personal moral you know, ethic compass with what
Speaker 4: the guy may have done or not done to be
Speaker 4: able to still maintain a very clear vision of what
Speaker 4: my job was there to make sure that the prosecution
Speaker 4: did theirs and that's the minimum that we hold them
Speaker 4: to in this country. And if you're the guy that's
Speaker 4: accused of something you didn't.
Speaker 1: Do, that's where you need them.
Speaker 4: Then you darned sure want to know that somebody is
Speaker 4: on your side making them, you know, making sure that
Speaker 4: they're doing their job correctly.
Speaker 1: And we of course represent Joe Lazara, and he's a
Speaker 1: criminal defense attorney here, he's on the show all the time.
Speaker 1: One thing I've I've definitely learned from him is even
Speaker 1: the people that are guilty, even something like a dui,
Speaker 1: you know, anything a domestic violence, it's amazing if you
Speaker 1: have an attorney, what the punishment could be compared to
Speaker 1: if you don't. I mean, if anything, if you are guilty,
Speaker 1: you might need an attorney even more, not necessarily to
Speaker 1: fight it to where you didn't do it, but to
Speaker 1: get the best deal out there.
Speaker 4: I mean, listen, I have been on cases where I
Speaker 4: go into you know, a small little municipal court on
Speaker 4: something that didn't even rise to the level of you know,
Speaker 4: a county court DA even thinking that you might spend
Speaker 4: a day in jail and have the offer in this
Speaker 4: little municipal court be you know, ninety days or one
Speaker 4: hundred and eighty days in jail something. And you're like,
Speaker 4: they wouldn't even bring these charges at the county court
Speaker 4: level or the district court level. And yet you, in
Speaker 4: your infinite wisdom, are proposing that this guy go to
Speaker 4: jail for six months for something so minor that they
Speaker 4: wouldn't even charge. So are their inequities in the system.
Speaker 1: Absolutely damn.
Speaker 4: You're better have an attorney on your side to at
Speaker 4: least be able to balance the scales and know the
Speaker 4: score and know that that's a ridiculous offer and that
Speaker 4: that is never gonna fly.
Speaker 1: You know, Hey, Liz, By the way, Kelly, tell Liz
Speaker 1: Liz called Last Hour medved apparently canceled or gap insurance.
Speaker 1: That's my opinion on this. If they didn't the insurance
Speaker 1: company never got paid and canceled it, or the insurance
Speaker 1: company did, or I guess it's even possible Liz or
Speaker 1: daughter did, But you would think they would know that
Speaker 1: if they did it.
Speaker 4: That GAP company probably issues a binder. They probably issue
Speaker 4: the policy. Never got paid by meditation of getting paid
Speaker 4: like you know, monthly for all the GAP policies that
Speaker 4: they issue or something and something fell through the crack. Okay, well,
Speaker 4: and they didn't get paid on Let me.
Speaker 1: Ask you this, John, let me ask you this. So
Speaker 1: with Liz real quick, and all we can do is
Speaker 1: go off of her conversation so far. She calls up,
Speaker 1: we have the paperwork. She definitely bought Gap insurance, there's
Speaker 1: no doubt about it. Yep. Four or five months later
Speaker 1: it got canceled. She found that out recently because they
Speaker 1: went to use the coverage and the insurance company said
Speaker 1: it was canceled four or five months after. I agree
Speaker 1: they probably had some kind of binding on it with
Speaker 1: the dealership and they were covered for a certain amount
Speaker 1: of time writing on the check. That makes more sense
Speaker 1: than anything at this point to me. But that's just
Speaker 1: an opinion. So let's say we find out that's correct.
Speaker 1: The insurance company says we never got paid and medved.
Speaker 1: Can I show a check ever sent to the insurance
Speaker 1: company or some form of audit proving they paid. Okay,
Speaker 1: where would you go from there? So she I think theft?
Speaker 1: What civil theft? So but you would hire an attorney? Well,
Speaker 1: I think you'd have to. I happen to know one.
Speaker 4: Yeah, yeah, I think it's like a civil theft that
Speaker 4: eight hundred bucks if they charged her either, they didn't
Speaker 4: send it to the gap company, but they darnshire didn't
Speaker 4: send it to Liz.
Speaker 1: They kept it.
Speaker 4: So they kept it so they deprived her of her
Speaker 4: own money. They misrepresented that deal to the lender who
Speaker 4: loaned money on that that money is in their coppers,
Speaker 4: and that bank got defrauded. You know, I mean, that's
Speaker 4: just wrong on every level everything. And if this lady
Speaker 4: is now looking at a gap that she thought was covered,
Speaker 4: I hope, I mean, I hope her lenders coverage makes
Speaker 4: her a whole. But if not, absolutely medved should be
Speaker 4: on the hook for that. And if it's a civil theft,
Speaker 4: if it meets the elements, I don't know that it does,
Speaker 4: but it's darn close.
Speaker 1: I think she gets into triple damages for that. You
Speaker 1: know what sucks about it is you do hire an attorney.
Speaker 1: I mean, really, if Medved doesn't want to prove that
Speaker 1: they paid or didn't pay, if they just shut up
Speaker 1: and do nothing to them, well I know that. But
Speaker 1: you're going to have You're going to have a nice
Speaker 1: little chunk of money you owe that attorney no matter what.
Speaker 4: Yeah, and you may be able to get a guy,
Speaker 4: you know, with with facts like Liz has that you know,
Speaker 4: seem like pretty darn good evidence, you might be able
Speaker 4: to get somebody to take it on a contingency if
Speaker 4: you end up being entitled to triple damages.
Speaker 1: Of course, and maybe the attorney's fixed.
Speaker 4: And I don't know what the gap is that they're
Speaker 4: trying to make up.
Speaker 1: Hey, Liz, how much are we talking? What is that coverage?
Speaker 4: What is the total value of the vehicle now versus
Speaker 4: what's owed on it?
Speaker 1: Yeah? Like is it twenty five percent of fifty thousand?
Speaker 1: I mean, what are we talking here? I think she's
Speaker 1: got us on hold. I'm going to put her back
Speaker 1: on holding anyhow. So Deputy Scott, you've got all the info, right?
Speaker 1: Did she send you over the second policy at Liz?
Speaker 6: That is?
Speaker 1: Yeah? All right, So we're waiting on that. We can
Speaker 1: go ahead, Kelly, just make sure we have her info.
Speaker 1: Deputy Dollar is going to be reaching out to her
Speaker 1: Pam with this roof. I'm trying to get Jay Brents on,
Speaker 1: but I want you to continue the story. You have
Speaker 1: a townhouse, you had a new roof put on in
Speaker 1: twenty eighteen. Some of the shingles were coming up. You
Speaker 1: called the original installer of the roof and they came
Speaker 1: out and said, no, there's a problem with the materials.
Speaker 1: So the company, by the way, is it Corning who
Speaker 1: what materials are they? Who actually issued the checks? So
Speaker 1: Malarkey says, okay, your share or you're part of the roof,
Speaker 1: because it's a duplex, is going to be eleven thousand dollars.
Speaker 1: So they wanted They handed you a check basically for
Speaker 1: eleven thousand, and then they handed your neighbor who owns
Speaker 1: the other side of the duplex a check for a
Speaker 1: little more because roofs bigger, right, correct, And that's kind
Speaker 1: of where we left off. Then I was trying to
Speaker 1: figure out, okay, well how much is it going to
Speaker 1: cost to redo the roof? And you said it first
Speaker 1: it was eighteen thousand, but then you changed it. So
Speaker 1: where are we at Now, if you do cash that
Speaker 1: check for eleven thousand, can you get the entire roof
Speaker 1: replace for that?
Speaker 9: No?
Speaker 1: Okay?
Speaker 11: So the other person on the other side of the
Speaker 11: duplex actually immediately assigned her settlement letter. I asked her
Speaker 11: not to until I checked into pay. Why do you
Speaker 11: use anyway?
Speaker 1: Why do you keep assuming that has anything to do
Speaker 1: with you? Though?
Speaker 11: Well, because I didn't want to use the roofer that
Speaker 11: she wanted to use. I wanted to use the original roofer, okay,
Speaker 11: but she signed she signed a settlement letter and a
Speaker 11: contract with a different roofer. So then because we're combined,
Speaker 11: I had to use her roofer then forced to Yeah.
Speaker 1: I understand what you're saying, or maybe not forced you,
Speaker 1: but it made more sense than anything else.
Speaker 11: Yeah, And so the original roofer contacted recontacted shingle company
Speaker 11: and tried to get more money because normally a roof
Speaker 11: is free when the shingles fell. But well, warranty, the
Speaker 11: warranty though right, a warranty on the install was only
Speaker 11: five years. We were just over the five years and
Speaker 11: the shingles for fifty years. So he reduced his price
Speaker 11: for me, thinking that I could I would maybe be
Speaker 11: able to use him because I had I didn't know
Speaker 11: she had already signed the contract.
Speaker 1: And so where do we stand with the whole thing
Speaker 1: right now? Well, the roof was put on this past Monday, okay,
Speaker 1: so how much it will keep going?
Speaker 11: Well? When they when they delivered the materials, my driveway
Speaker 11: had a couple of cracks in it, but now it's
Speaker 11: got cracks everywhere. And I didn't take pictures ahead of time.
Speaker 19: Of the driver.
Speaker 11: Who would I didn't think of it as a woman
Speaker 11: by myself. But I sent the pictures to the roofer
Speaker 11: and she said it wasn't their problem, it was the
Speaker 11: delivery person's problem. They said that they took pictures. They
Speaker 11: said that they took pictures before they went into the
Speaker 11: driveway and that it was already cracked and there are
Speaker 11: no new cracks.
Speaker 1: Did they show you those pictures?
Speaker 11: They look like the pictures that I sent the roofer
Speaker 11: to take the truth?
Speaker 1: No, okay, can you send us those pictures? I'd love
Speaker 1: to see them.
Speaker 11: Yes, do you want mine and theirs?
Speaker 1: I want whatever they sent you where they're claiming it's
Speaker 1: the same, Okay, and send me yours too. When are
Speaker 1: you going to send them? Can you send them over this.
Speaker 11: Break, twenty some pictures in each I have a very
Speaker 11: long driveway and there's twenty some pictures in each group.
Speaker 1: Well send me the ones that they're hanging there hat on. Okay,
Speaker 1: does that work?
Speaker 11: In the meantime, the roof has been put on, but
Speaker 11: I don't feel a little comfortable with it because I see.
Speaker 1: That it's it's too late to even deal with that list.
Speaker 1: I mean, they put their pam, they put the roof on.
Speaker 1: It's done, it's over. I mean, unless there's a problem
Speaker 1: with it, You're not going to do anything there. Nothing's
Speaker 1: going to happen there.
Speaker 11: Okay, Because I was going to try to have a
Speaker 11: roof for come and inspect it and tell me if
Speaker 11: that if everything looks okay, well.
Speaker 1: I mean that's having someone inspected. Why do you think
Speaker 1: there is an issue with it? Why?
Speaker 11: Because on all the siding they put clear silicon in
Speaker 11: through the cracks on the siding and joints on the siding,
Speaker 11: which they never asked me if that was something they
Speaker 11: could do. There's pieces of flashing stuck in different places.
Speaker 11: There's pieces that are raised up that look like why
Speaker 11: did they do that? They're bent and raised up. I mean,
Speaker 11: I just don't know where you looking inside. I'm in Lewisville,
Speaker 11: Lord Bolder County.
Speaker 1: Yeah, I know, all right.
Speaker 11: Inside, Hold on, hold on.
Speaker 1: Hold on, get me those pictures I'm putting you on hold.
Speaker 1: Try to send them over this break. I want to
Speaker 1: look at them over the break. Send them now.
Speaker 7: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 7: dot com. You don't pay a cent until you're content.
Speaker 7: Time for an insurance check up free, no obligation. In comparison,
Speaker 7: call Compass Insurance paying too much your coverage at dozens
Speaker 7: of insurance companies find out now three all three seven
Speaker 7: seven to one.
Speaker 1: Help.
Speaker 7: You'll think you're his only customer when you choose Frank
Speaker 7: durand the real estate Man dot com to list your
Speaker 7: home with Remax Alliance three oh three nine two zero
Speaker 7: sixteen twenty two.
Speaker 1: Oh man, we've got quite a bit cook and can
Speaker 1: we try to get hold on here? I'm sorry I
Speaker 1: lost a little track here because think of this, folks,
Speaker 1: this is nuts. This is so crazy. On this Google
Speaker 1: computer chip. Think of what I'm going to say. This
Speaker 1: new Google computer chip can solve a problem in five minutes.
Speaker 1: Five minutes that a super computer right now. I guess
Speaker 1: I assume the supercomputers are running all the normal AI
Speaker 1: now whatever a supercomputer is now in ten I gotta
Speaker 1: find the word again. I've never heard of it septillion.
Speaker 1: I have never septillion years in a septillion years, longer
Speaker 1: than Earth's spent around by ten with twenty five zeros
Speaker 1: after it. So this new chip by Google, and we're
Speaker 1: not talking something they're working on. It is a new
Speaker 1: chip by Google in five minutes can solve a problem
Speaker 1: that today's supercomputers would take ten siptillion years. That is like,
Speaker 1: I can't even wrap my head around it. You know
Speaker 1: what it reminds me of. You think of never ending.
Speaker 1: That's so hard to think of infinity. You think of
Speaker 1: just never ending, like the universe, you know, not even
Speaker 1: a galaxy like it just never ending, no start, no stop,
Speaker 1: just forever, ten sip tillion years. How the hell can
Speaker 1: they have a chip that is that much faster? I mean,
Speaker 1: did they like they must have found it somewhere, now,
Speaker 1: let's be honest. Did they find it like in the desert,
Speaker 1: buried under some ice or something. I mean, how all
Speaker 1: of a sudden do you go ten cittillion years quicker.
Speaker 15: They took it out of a UFO.
Speaker 1: They had to. I mean, where'd the hell this thing
Speaker 1: come from? I'm looking at John like he should have
Speaker 1: the answer. I mean, this kind of thing would replace.
Speaker 6: All of us.
Speaker 1: There is nothing a computer that fast couldn't do. It
Speaker 1: could emulate all of us all at once, and we
Speaker 1: wouldn't even exist. Think about that. What's that game? The Sims? Basically,
Speaker 1: maybe that's all we're living in now is the Sims,
Speaker 1: and we don't even there, doesn't even need to be
Speaker 1: humans anymore. I mean, maybe we're here just for an amusement.
Speaker 1: Ten siptillion years.
Speaker 4: You've got to lay off that stuff, Mark.
Speaker 1: Ten sip tillion years lagot.
Speaker 4: To lay off either smoke more or less one of
Speaker 4: the two, because wherever you're at right now is not
Speaker 4: working for you.
Speaker 1: Okay, it's absolutely insane. Hey, Jay, Brad's excel roofing. I
Speaker 1: want to ask something, man, how are you doing? By
Speaker 1: the way, Jay, great Mark?
Speaker 6: How about you?
Speaker 1: I'm doing good? Are you out traveling the world this
Speaker 1: time of year? I know you and your wife travel
Speaker 1: a lot.
Speaker 14: You're knock going to beleeve this. I am sitting at
Speaker 14: my desk at the office.
Speaker 1: Oh my goodness, my goodness, Jay, I'm proud of you. Man,
Speaker 1: I'm so proud of you.
Speaker 14: But I was coming back from lunch and I was
Speaker 14: listening to the radio guy aways tune into six thirty
Speaker 14: cage right have you?
Speaker 1: Did you hear PAMs issue?
Speaker 14: I heard Pam's issue. Yeah, And that's a bummer right there.
Speaker 14: I want to tell you and everybody out there listening.
Speaker 14: Broken driveways happen. It's just a fact of life in
Speaker 14: the roofing business. We're putting really heavy trucks on driveways.
Speaker 1: Well, and it's not you, though, is it.
Speaker 14: Hell, yes, I take responsibility.
Speaker 1: Now, wait a minute, when you order, but you don't
Speaker 1: have a warehouse where you in a truck that deliver shingles.
Speaker 14: No, but that the guy that I ordered those shingles for,
Speaker 14: that's my business partner, and I believe that we're collectively responsible.
Speaker 14: When we crack a driveway, I get together with my
Speaker 14: supplier and we figure out how we're going to take
Speaker 14: care of the customer.
Speaker 1: And Okay, so in this case they're denying.
Speaker 11: It's not let me let me say this, that's.
Speaker 14: Not every time because all of a sudden, I mean
Speaker 14: if we go out there and there's a driveway that
Speaker 14: has had the dirt washed out underneath it. Yeah, and
Speaker 14: it and it cracks because it was not sufficiently supported.
Speaker 14: I'm not going to pay for that one.
Speaker 6: Hold on, hold on, we're for driveways.
Speaker 1: For a better example, though, I'm not going to pay
Speaker 1: for it. How about in this example, let's say her
Speaker 1: driveway already had a bunch of cracks, so the integrity
Speaker 1: was already beat up. Then all of a sudden, this
Speaker 1: truck that's heavy rolls on it and it gets worse.
Speaker 1: What would you do then?
Speaker 14: I would At that point, I'm going to tell the
Speaker 14: customer you had an old, cracked driveway exactly and it
Speaker 14: needed to be It needed to be replaced. I cannot
Speaker 14: be held responsible for additional damages at that But if
Speaker 14: they've got a new driveway you.
Speaker 1: Delivered, that's a good point.
Speaker 14: We're going to take a look. Okay, So but this
Speaker 14: is what certain suppliers will do. They will make the
Speaker 14: homeowners sign a waiver saying we're going to put a
Speaker 14: heavy truck on your driveway and we're not responsible if
Speaker 14: we crack your driveway. I do not let my suppliers
Speaker 14: do that.
Speaker 1: When would you warn them? Though, to Dragon's question that
Speaker 1: when would you actually warn them? Like if you guys
Speaker 1: show up to do the install. I mean like when
Speaker 1: you guys did our house, you've done our roofs. So
Speaker 1: when you guys did ours, those shingles showed up. I
Speaker 1: don't think you guys were even there. The manufacturer showed
Speaker 1: up and dropped them off. I think they actually put
Speaker 1: them on the roof. If I recall, then you guys
Speaker 1: showed up a day or two later and knocked it
Speaker 1: all out. So when would someone actually warn you if
Speaker 1: there were cracks, Hey, you better watch it. This could
Speaker 1: get a lot worse. Would that be the driver's responsibility?
Speaker 14: We do not specifically warn people about that, Mark, Okay.
Speaker 14: What we do do is when we're talking to a
Speaker 14: customer we show them a picture of that truck on
Speaker 14: a driveway and say we're going to put this big
Speaker 14: truck on the driveway. And every now and then somebody
Speaker 14: will say, hey, I have a brand new driveway. You
Speaker 14: can't get that time I.
Speaker 1: Want to ask her something. Hold on a second, Hey,
Speaker 1: did you send those pictures up over Pam?
Speaker 6: I did get that.
Speaker 10: I'm not sure what you got.
Speaker 1: I I haven't got anything yet. Hold on, I'm gonna
Speaker 1: put you on hold. I want you to stay right there, Jay,
Speaker 1: can you do me a favor. I'm gonna have Kelly
Speaker 1: forwards you those pictures. I gotta take this break. When
Speaker 1: I come back. Tell me what you think of these pictures?
Speaker 1: The before and after according to this company? Is that cool?
Speaker 6: Sounds good?
Speaker 1: I'll hang on hold I love it. Hank tight, everybody,
Speaker 1: Hang tight three oh three seven one three eight two
Speaker 1: five five. Dean's got a question on unpaid wages in Colorado.
Speaker 1: It's it's kind of crazy how easy it is to
Speaker 1: get paid if you're owed money. Hang tight.
Speaker 7: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 7: dot com. You don't pay a cent until you're content
Speaker 7: than time for an insurance check up free, no obligation.
Speaker 7: In comparison, call Compass Insurance paying too much your coverage
Speaker 7: of insurance companies find out now three all three seven
Speaker 7: to seven to one.
Speaker 1: Help.
Speaker 7: You'll think you're his only customer when you choose Frank
Speaker 7: durand the real estate Man dot com to list your
Speaker 7: home with Remax Alliance three all three nine two zero
Speaker 7: sixteen twenty two all.
Speaker 1: Right three O three seven one three eighty two five
Speaker 1: five three zero three Martino, We've got a ton kick.
Speaker 1: And do you know if jay Brett's got those pictures
Speaker 1: of the driveway Kelly.
Speaker 16: Initially the attatrises come through. She just resent them and
Speaker 16: I'm sending them right now.
Speaker 1: Okay, So we're gonna go back to that. Jay Brett's
Speaker 1: our expert needs to look at them. The woman said,
Speaker 1: the roofing company came out delivered the shingles or driveway
Speaker 1: is just all cracked and messed up, and we wanted
Speaker 1: to get an expert opinion. So we're gonna do that.
Speaker 1: We still got the medved thing going on, and then
Speaker 1: we have what were you working on, Dmitri.
Speaker 15: I'm still waiting to hear back from Walmart where that
Speaker 15: elderly lady was skimmed.
Speaker 1: She got screwed from the gypsies five hundred and seventy bucks.
Speaker 6: Yeah.
Speaker 15: Yeah, and the second thing, and this is ready for
Speaker 15: the update. I so Curtis from Performance Concrete, Yeah, Prady
Speaker 15: to give us performance.
Speaker 1: Oh, let's get him on as soon as we get
Speaker 1: a line open, Let's get Curtis on. And what happened
Speaker 1: with this is the guy said he got his patio done,
Speaker 1: some other stuff around his house, and he said, it's
Speaker 1: absolutely horrible. They sent pictures. I didn't get a chance
Speaker 1: to look at the pictures. You sent him to our expert.
Speaker 1: We're going to pick his brain. Thank god for referral
Speaker 1: list dot com good people.
Speaker 15: Yeah, he's ready whenever Kelly wants to has time to
Speaker 15: call him.
Speaker 1: So soon as we get a line there, Kelly, let's
Speaker 1: jump to that. Jay Bretz is going to be looking
Speaker 1: at that, and then let's talk to Dean real quick.
Speaker 1: It sounds like Dean's employer is not paying him. What's
Speaker 1: going on with you, Dean.
Speaker 6: I got I'm a professional, and I'm certainly in the
Speaker 6: exem class, but I feel like I'm being ripped off.
Speaker 1: Hey, Dean, you got to start that over man. You
Speaker 1: dropped off.
Speaker 6: Okay, Hi, I'm a cop professional, so I'm certainly in
Speaker 6: the you know, I pay an executive class exam employee.
Speaker 6: But I still feel like I've been ripped off by
Speaker 6: hours because I was promised a bonus if we, you know,
Speaker 6: do a lot of hard work, get good numbers, get
Speaker 6: the company sellble and once the company sells, they would
Speaker 6: make up for the shortcomings of my of my pay
Speaker 6: in that sale.
Speaker 1: Hey, dean, basic basic questions. Were you paid bi weekly,
Speaker 1: monthly sourly sal salary? How were you paid bi weekly salary?
Speaker 1: And how much was that.
Speaker 6: Promise me that I would take a lower salary and
Speaker 6: get paid later.
Speaker 1: How much was that lower salary? Dean?
Speaker 6: It was on like two hundred and twenty five thousand
Speaker 6: at the time.
Speaker 1: So what do is say? Okay, so the total year,
Speaker 1: of course two hundred and twenty five thousand, right, yep.
Speaker 1: And then they promised you, in lieu of paying you
Speaker 1: what three hundred thousand, that they would bonish you at
Speaker 1: the end.
Speaker 6: We typically in my role, especially in the current market,
Speaker 6: you would get paid around two hundred and sixty thousand
Speaker 6: bays with one hundred thousand dollars bonuses.
Speaker 1: Okay, so you're talking, you think you're off. Did they actually,
Speaker 1: by the way, did they end up selling the company?
Speaker 6: Yes?
Speaker 1: They did? And then I assume none of this was
Speaker 1: in writing. Was any of this in writing?
Speaker 6: Absolutely all of them writing.
Speaker 1: Oh so you haven't writing if they sell the company
Speaker 1: that you get the bonus. Yeah, I'd love to see
Speaker 1: that because if that's the case, I can't imagine you
Speaker 1: wouldn't get the bonus. John, can you imagine why he
Speaker 1: wouldn't get the bonus if he had that in writing. Yeah,
Speaker 1: should be a simple contract, man, I mean, it should
Speaker 1: be very straightforward. Dean.
Speaker 15: Did you ask anybody but the whereabouts of your bonus?
Speaker 6: They're they're trying to bolt on stipulations that weren't part
Speaker 6: of it. Right. So it appears to me now that
Speaker 6: the previous CEO was up to some of the various
Speaker 6: bad stuff.
Speaker 1: Okay, and so but you, Dean, you still have a
Speaker 1: contractual agreement with them. It either says you'll get the
Speaker 1: bonus under the circumstances where the company exited or sold,
Speaker 1: or you won't. I mean it's really not that hard.
Speaker 1: I mean you either should get it or not if
Speaker 1: it's in writing. So, if we look at the language
Speaker 1: in the contract, to the best of your ability, did
Speaker 1: you meet everything you were supposed to meet and did
Speaker 1: they get what they were supposed to get to sell
Speaker 1: or hit certain numbers? Should you have gotten the bonus
Speaker 1: or is there some loophole in there. Whether you think
Speaker 1: it's a loophole or not, I don't really care. While
Speaker 1: they're saying you're not going to get it.
Speaker 6: Well, they're claiming that. Now, they're trying to say that
Speaker 6: there was an Estra account and there's being task claims
Speaker 6: against it, there was a previous loans against the company,
Speaker 6: a bunch of details that weren't anything that I signed.
Speaker 6: Another time they came back and say, well, because these
Speaker 6: things happen, we can't tell you.
Speaker 1: Well, okay, you know in general, that just.
Speaker 6: Doesn't feel right to me at all, no matter how
Speaker 6: much I make.
Speaker 1: Well, there's two things you can do here, man, I understand.
Speaker 1: The first thing is, believe it or not, I to
Speaker 1: the labor board. You weren't. You were not an independent contractor.
Speaker 6: Right, No, I was an employee.
Speaker 1: Yeah, I would go to the labor board first. With
Speaker 1: that contract. That's not going to cost you anything, period,
Speaker 1: end of story. You're going to show up down there,
Speaker 1: make an appointment, and you're going to say I was
Speaker 1: supposed to get this, and here's why I was supposed
Speaker 1: to get this. Here's their handbook, here's our employment contract,
Speaker 1: whatever it is, this is what I was supposed to get.
Speaker 1: I didn't and open the case. That is the very
Speaker 1: first thing I would do. Now if they see reason the.
Speaker 6: Previous CEO say it again. Do they have an out
Speaker 6: when they can blame the previous.
Speaker 1: Jean, Is it the same company you worked for?
Speaker 6: Yeah, that's what Okay, the company promises.
Speaker 15: Okay.
Speaker 1: All I'm saying is if the CEO made you a
Speaker 1: promise in writing and everybody agreed to it and a
Speaker 1: new CEO comes in, yes, they still owe you the money.
Speaker 4: Did they say all the company or just get a
Speaker 4: new CEO?
Speaker 6: They sold the company?
Speaker 1: That's just asked that.
Speaker 4: So there may be some success reliability issues they're trying
Speaker 4: to play here, and he may not be able to
Speaker 4: still maintain an action.
Speaker 1: That's true. But it's a new entity. Well that's what
Speaker 1: I was going to say. I mean, are we talking
Speaker 1: to C corp or stock sold and it's still it's
Speaker 1: still Microsoft, for example, or are we talking someone just
Speaker 1: bought the assets.
Speaker 6: I don't know the details of the same.
Speaker 1: Oh, that's a big thing. But even so, John, even so,
Speaker 1: that doesn't mean the old CEO or the old company
Speaker 1: might not it's going to be tougher.
Speaker 4: To get But let's be clear, the old CEO was
Speaker 4: acting in theory as an agent of the corporation, not
Speaker 4: in an individual capacity. You couldn't go through the CEO
Speaker 4: himself for your wages, because he's merely hopefully acting on
Speaker 4: behalf of the corporation. But that corporation today may just
Speaker 4: be a shell of its former self, and there may
Speaker 4: be no success liability for those unpaid wages.
Speaker 1: Or there could be assets still sitting, or.
Speaker 4: There could be assets still there, or any number of
Speaker 4: different variables in there. You you need to go. I mean,
Speaker 4: I still think the labor board is a good way
Speaker 4: to go. Go and find out. Let them do the
Speaker 4: research and figure out what the status of this corporation is.
Speaker 4: Maybe they just bought it lockstock and barrel and they're
Speaker 4: still going to be on the hook for your you know,
Speaker 4: for your contract live.
Speaker 1: How BIG's the company, Dean? I mean, is it massive? Medium?
Speaker 1: What do you think they do in a year?
Speaker 6: We're like a company of two hundred people. Yeah, we're
Speaker 6: a company of like forty people, and when when they
Speaker 6: buy us, it's very small.
Speaker 1: You know what I would do once again, Dean, I
Speaker 1: swear to God, I'd go down to the labor board first.
Speaker 1: I would bring the contract. I'd open that dispute against them.
Speaker 1: Like John said, they're gonna end up doing some research,
Speaker 1: figure out what's going on, and then they're going to
Speaker 1: get back to you. At that point, if you still
Speaker 1: want to pursue it, I would call a laboring wage
Speaker 1: attorney and discuss it with them, either a free consultation
Speaker 1: or even pay a couple hours to go down and
Speaker 1: talk to them and really dig in to if you
Speaker 1: have a case or not. But I think the labor
Speaker 1: Board's gonna answer some of the questions. They might come
Speaker 1: back and say that corporation is no longer. They're just
Speaker 1: simply not there anymore. We have no one to go
Speaker 1: after meeting the labor board, does it? Got it?
Speaker 6: But what the labor board of their hometown like, So
Speaker 6: that the company is now based in Miami, they were basing.
Speaker 1: The wherever you worked. I would go to the labor
Speaker 1: board to start here in Denver. I would not fly
Speaker 1: off to Miami right now.
Speaker 4: Yeah, you don't know that that new company has any
Speaker 4: liability for the obligations of the previous company. So the
Speaker 4: place to start is the jurisdiction where the previous company,
Speaker 4: you know, existed under the laws that dictated how they
Speaker 4: handle their employees and everything else. So that's going to
Speaker 4: be Colorado. And then you know, maybe there's still something
Speaker 4: here to go after.
Speaker 1: I don't know, I gotta break one percent hold type man.
Speaker 1: If you have another question, I'll come back to you.
Speaker 1: Dean let Kelly.
Speaker 7: No go with a sure thing Denver's Best roofer Excel
Speaker 7: Roofing dot com.
Speaker 8: You don't pay a cent until you're content.
Speaker 7: Time for an insurance check up free, no obligation in comparison,
Speaker 7: call Compass Insurance. Pay too much your coverage at dozens
Speaker 7: of insurance companies find out Now three oh three seven
Speaker 7: seven to one help. You'll think you're his only customer
Speaker 7: when you choose Frank durand the real estate Man dot
Speaker 7: com to list your home with Remax Alliance three oh
Speaker 7: three nine two zero sixteen twenty two.
Speaker 3: Rift News.
Speaker 6: You don't have.
Speaker 2: Carn anxious as we can shoot us. He's gonna help
Speaker 2: coming man.
Speaker 3: This is the Troubleshooter Show. No Tom Martinez.
Speaker 1: Welcome, my friends, Welcome to the only show if it's
Speaker 1: kind and We're here to solve problems, answer questions, take
Speaker 1: complaints to the tune of over three hundred million dollars
Speaker 1: three hundred million cash merchandise exchanges refunds, all directly due
Speaker 1: to this show. Here's the clue. If you've been ripped off,
Speaker 1: you call us. If someone took money and ran, you
Speaker 1: call us. If they didn't finish the job, you call us.
Speaker 1: You got a landlord that's putting the screws to you,
Speaker 1: you call us. You got an employer that's not paying
Speaker 1: you what was promised, you call us. We dig in.
Speaker 1: We try to help in studio with me, attorney of
Speaker 1: law John Fuller, John Love. When you come in, you're
Speaker 1: gonna actually be riding solo on this show the second
Speaker 1: and third. Right, that's it. I'm looking forward to coming
Speaker 1: back and listening. Tom and I will both be out
Speaker 1: of town now, Dimitri, you going to come in with John?
Speaker 1: I think you should.
Speaker 15: Oh yeah, I have tons of legal questions for it.
Speaker 1: Let's pack, let's pack the house for it.
Speaker 15: Like free time with a lawyer.
Speaker 1: That is true. You know what I would bring yours?
Speaker 1: You know, I'll bring to different cases you filed, and
Speaker 1: I'll just knock it out while you're here, right all right?
Speaker 1: And then Scott you coming in. I love it. We'll
Speaker 1: try to get deputy doc in here as well, and
Speaker 1: you guys can go at it. Looking forward to it.
Speaker 1: Three oh three seven one three A two five five.
Speaker 1: Tom and I are trying to build a strong bench
Speaker 1: to where we can do some other stuff occasionally, and
Speaker 1: I think John's a good piece to that puzzle. I'll
Speaker 1: let you know, folks when a line's open. I want
Speaker 1: to finish up with Pam because we have Jay brettz on.
Speaker 1: So Pam called up and said, here's the bottom line.
Speaker 1: I only had a few cracks on my driveway before
Speaker 1: the shingles were delivered. This huge truck delivers the shingles,
Speaker 1: and now I've got cracks all over my driveway. She
Speaker 1: sent pictures of the before and after. I had our
Speaker 1: expert at Excel roof In fact, Jay and his son
Speaker 1: they're my roofers. I mean really, we've used them multiple times.
Speaker 1: They're just absolutely great guys. In fact, one of the
Speaker 1: largest in the state of Colorado. But Jay, you had
Speaker 1: a chance to look at the pictures, I assume.
Speaker 6: I did.
Speaker 14: Mark, did you take a look at them?
Speaker 1: I did not. I did not. I dragon was very
Speaker 1: late coming out of that last break, so therefore I
Speaker 1: was in a rush. But let's just leave it at that.
Speaker 1: So what did you find out?
Speaker 14: So I can tell those pictures were taken by the
Speaker 14: supply house. And the reason why is just because the
Speaker 14: first picture that the supply house always takes is a
Speaker 14: picture of the address, and then there's lots of pictures
Speaker 14: of the driveway, and then there was pictures of materials
Speaker 14: stalked on the roof.
Speaker 6: It could have only been.
Speaker 14: Taken by the supply house. And I didn't count how
Speaker 14: many different cracks. I saw that there was quite a few.
Speaker 11: And I would say, in my opinion that.
Speaker 14: It looks like there was a lot of pre existing cracks.
Speaker 1: So that's kind of what we talked about more the
Speaker 1: integrity of the driveway, because there was cracks already there.
Speaker 1: It would be a hard argument for her to make
Speaker 1: that they screwed up the driveway because it was already
Speaker 1: screwed up.
Speaker 14: There was already multiple cracks on that driveway for sure.
Speaker 1: Hey, Pam, I don't think we're going to be able
Speaker 1: to do much, but I do want to ask you this.
Speaker 1: Did you call up not necessarily the roofer, but the
Speaker 1: supply house or whoever delivered the shingles, and did you complain?
Speaker 1: And I'm sure you did because you sent us those pictures,
Speaker 1: So I'm just being redundant in my questioning to you.
Speaker 1: Did they just outright say nothing.
Speaker 11: I do not know who the supplier was. I went
Speaker 11: through the roofer and there were a total of three
Speaker 11: cracks in a driveway, two up at the top that
Speaker 11: were like curved ones. Yeah, that supposedly are normal because
Speaker 11: we've had the driveway looked at before. Sure, and then
Speaker 11: there was one sort of in the middle, but a
Speaker 11: whole bottom, now is I mean? And then I course
Speaker 11: the old cracks got cracked more, but there's a lot
Speaker 11: of new ones.
Speaker 1: Jay, you saw you saw the pictures. I am not
Speaker 1: privy to them. But in other words, is it safe
Speaker 1: to say there was five cracks, now there's fifty.
Speaker 11: I would say there were three, and now there's I
Speaker 11: don't know how many. Okay, I'd have to come so many.
Speaker 14: Pam and Mark. The other thing that the other point
Speaker 14: that should be made is you can tell a new
Speaker 14: crack within let's call it the first seven days got
Speaker 14: it because the crack does not have any dirt in it,
Speaker 14: and it is an obvious fresh crack. And I didn't
Speaker 14: if you had proof of that, Pam, that that would
Speaker 14: be something else to talk about with them. But from
Speaker 14: what I saw those pictures on the driveway. There was
Speaker 14: just multiple cracks, and I would say, it's going to
Speaker 14: be a hard deal. Well, let me put it like this,
Speaker 14: Jay responsible, What.
Speaker 1: Would you guys do. Let's say let's say you were
Speaker 1: the and this came up in this exact circumstance, what
Speaker 1: would you do?
Speaker 14: I would have gone out there immediately, and I would
Speaker 14: have identified any new cracks that it happened. I would
Speaker 14: calculate the square footage of the pads, in my opinion,
Speaker 14: would vary if the pad already had a crack on it.
Speaker 14: When I say a pad, I'm talking to ten by
Speaker 14: ten sections. If the section already had cracks, I would say, no,
Speaker 14: I'm not responsible. But if it was a pad that
Speaker 14: did not have any cracks and it was obvious that
Speaker 14: we had cracked it, I would offer the customer. I
Speaker 14: think twelve dollars a square foot is with.
Speaker 1: Like what said, Pam, You're going to have to do
Speaker 1: a little research on those pictures and literally figure out
Speaker 1: is there any squares that had no cracks? And now
Speaker 1: they do? Do you understand what we're saying inside each expansion?
Speaker 1: Joyt Yep.
Speaker 14: Right.
Speaker 11: The thing is that those pictures are all after pictures
Speaker 11: before picture they don't. I don't think they have before pictures.
Speaker 14: I believe that those were before pictures. And the reason
Speaker 14: I say that is because I know the format that
Speaker 14: supply houses, the sequence that they take the pictures. The
Speaker 14: first thing they do is take a picture of the
Speaker 14: address of the house.
Speaker 1: Jay, do you know who that supplier is?
Speaker 15: I have no idea.
Speaker 1: Okay, how many? Just put your skirt up real quick,
Speaker 1: tell me how many like suppliers are there in town.
Speaker 14: JAYT Let's call it eight to ten different supplies.
Speaker 1: Okay, I said, there's quite a few. That's all I
Speaker 1: want to know. That's cool, so listen.
Speaker 14: Hold on all. Oftentimes the rioffer will have a clause
Speaker 14: in their contract that says they're not responsible for any
Speaker 14: driveway cracks.
Speaker 11: Okay. And I don't know how that's.
Speaker 14: Pam would need to research the contract that she signed
Speaker 14: to even see if she has a leg to stand
Speaker 14: on in the first place. And another thing that I
Speaker 14: just want to bring up, and I think there's a
Speaker 14: good information for you, Mark, most suppliers make the homeowner
Speaker 14: sign a waiver before they even pulled the truck on.
Speaker 6: You said that we're not responsible.
Speaker 11: And I did. I did not Okay, that is just
Speaker 11: and I want to.
Speaker 14: Give your heads up to everybody listening. Excel does not
Speaker 14: make people sign.
Speaker 1: Hold on a second, that brings something up again, John
Speaker 1: Fuller Attorney, put your legal cap on for a second.
Speaker 1: If they did not get her to sign anything saying
Speaker 1: we might damage the driveway, we already know just because
Speaker 1: of the pictures that there was some pre existing damage,
Speaker 1: some cracks, but now there's many more cracks. Do you
Speaker 1: think she has any kind of a remedy here when
Speaker 1: it comes to monetary Do you think she's going to
Speaker 1: get paid or no? Wayose? No, I really don't. I
Speaker 1: don't think so either, Pam. I mean, really, that's what
Speaker 1: we can do for you, which is virtually nothing. I
Speaker 1: mean I would just give up on it now. I've
Speaker 1: way already lost some of its integrity. And we've had
Speaker 1: an expert on that's one of the largest roofers in Colorado,
Speaker 1: Jay Bretz, and he's saying no, no, no, no, And
Speaker 1: I'm sure that's not what you want to hear. But
Speaker 1: we tend to give people the facts, so that's kind
Speaker 1: of the deal. Hey, Jay Brett's by the way, man,
Speaker 1: anybody out there needs a roof or you call Jay.
Speaker 1: These guys are absolutely unbelievable. They put a hailproof roof
Speaker 1: on my house. I was able to save money on
Speaker 1: my homeowners by well. First of all because of the
Speaker 1: kind of roof, I saved some money. But where I
Speaker 1: save most of the money, I up my deductible because
Speaker 1: I know nothing's going to happen to my roof. It's
Speaker 1: a synthetic like plastic, but it looks like slate. It's
Speaker 1: absolutely beautiful. You did all the gutters out there too,
Speaker 1: And I have these guys out twice a year to
Speaker 1: do the cleaning. I hope you do the same thing
Speaker 1: next year. But here's what they do. It's one hundred
Speaker 1: and ninety nine for a one story, two ninety nine
Speaker 1: for a two story, et cetera. But people call the
Speaker 1: show all the time, going should I get a gutter
Speaker 1: helmet or any of this? If you really start thinking
Speaker 1: about it, if you got good gutters, a gutter helmet
Speaker 1: system on a big roof could be ten grand. You
Speaker 1: can get those things professionally cleaned all the time for
Speaker 1: the rest of your life by Excel roofing and never
Speaker 1: have a problem. Jay, you want to throw anything in there,
Speaker 1: I'd like giving you some free advertisement because you've done
Speaker 1: so right by Suzanne and myself.
Speaker 14: No, I appreciate everything that you're saying. That roof is
Speaker 14: pretty damn hail proof.
Speaker 6: If Hale destroys that.
Speaker 11: Roof, armageddon has happened.
Speaker 14: Yeah, so there's I mean, we're talking like literally softball
Speaker 14: size hail coming down.
Speaker 1: Oh, there'd be holes in cars.
Speaker 14: Exactly. So in terms of the gutter cleaning thing, our
Speaker 14: prices have gone up, except for Martino listeners. If there's
Speaker 14: a Martino listener out there and they say, hey, I
Speaker 14: want my gutters clean for the one ninety nine special,
Speaker 14: I'm going to honor that.
Speaker 1: Forever they send out. It's not it's not like one
Speaker 1: dude comes out.
Speaker 10: Man.
Speaker 1: They send out a crew. When they're done, they take
Speaker 1: hoses to every downspout, Everything is cleaned inside out. You're
Speaker 1: never gonna go wrong with Excel Roofing. Check them out
Speaker 1: at Excel roofing dot com. If you do want that
Speaker 1: gutter cleaning, make sure you mention that to them. And
Speaker 1: this kind of is a time of year to get
Speaker 1: it booked. Once hail comes and stuff, let me tell
Speaker 1: you everything's focused on new roofs. So give them a
Speaker 1: call three oh three seven sixty one sixty four hundred,
Speaker 1: three oh three seven six one sixty four hundred Jabretts
Speaker 1: excel roofing dot com. Gilbert has a question on reimbursement.
Speaker 1: Dave's got a question on a license plate. And we
Speaker 1: can free up Pam, and we can free up Jay
Speaker 1: Brett's Kelly. And that means two lines open three oh
Speaker 1: three Martino.
Speaker 7: Go with a sure thing Denver's Best Roofer excel roofing
Speaker 7: dot com. You don't pay a cent until you're content.
Speaker 7: Time for an insurance check up free, no obligation. In comparison,
Speaker 7: call Compass Insurance. Pay too much your coverage at dozens
Speaker 7: of insurance companies find out now three oh three, seven
Speaker 7: to seven to one help. You'll think you're his only
Speaker 7: customer when you choose Frank durand the real estate Man
Speaker 7: dot com to list your home with Remax Alliance three
Speaker 7: oh three nine two zero sixteen twenty two.
Speaker 1: All right, three oh three seven one three eight two
Speaker 1: five five three oh three Martino. By the way, that
Speaker 1: numbers at three oh three Martino. It works on and
Speaker 1: off to here. You can contact us anytime if we
Speaker 1: can't get right to the phone to try to help you.
Speaker 1: Leave a message. I promise we'll get back to here
Speaker 1: really quick. Kelly checks all those numbers every morning. So
Speaker 1: if you got friends, you got family members, I don't
Speaker 1: even care if they're in state or at a state.
Speaker 1: We love helping people. Our reach is vast. In fact,
Speaker 1: we've got more downloads than most shows on iHeart across
Speaker 1: the nation. Across the nation. That doesn't include YouTube, Facebook,
Speaker 1: over the air. It includes other affiliates like in Colorado
Speaker 1: Springs KRDO. It doesn't include that just the podcast is amazing. Now,
Speaker 1: Gilbert has a question on reimbursement. What do you mean
Speaker 1: by that? A question on reimbursement, Gilbert?
Speaker 6: Hi, Mirk, Hey, Matt, So I have a Oh.
Speaker 1: You're good, go ahead, Gilbert.
Speaker 19: Oh, I'm sorry. I have a storage unit that requires
Speaker 19: me to keep Renter's insurance on my unit.
Speaker 1: I love that.
Speaker 19: First sure the letter come out, the for sure that
Speaker 19: they come out. I have the insurance on there. But
Speaker 19: for whatever reason, I either didn't get the notice or
Speaker 19: I didn't renew or give him the proof that I
Speaker 19: had insurance on there. Sure, And I was just wondering
Speaker 19: if it doesn't say anything in their leafs about me
Speaker 19: getting reimbursed for any of the money that I've given
Speaker 19: them extra money. It's all it says. And their contract
Speaker 19: is that if I don't apply them with the notification
Speaker 19: that I have insurance, that they're going to add their
Speaker 19: insurance and I have to pay for it.
Speaker 1: You know what I wanted to know is yeah, go ahead.
Speaker 1: You want to know, go ahead.
Speaker 19: If I am able to give you in burse from
Speaker 19: them or not.
Speaker 1: Well, hold on, I've got some basic questions Forget about
Speaker 1: the first year. Let's go into the second year where
Speaker 1: you did not renew coverage. Is that correct?
Speaker 19: No, I didn't need to because my insurance automatic picks up.
Speaker 1: Oh okay, hold on, Gilbert, So you're saying you had
Speaker 1: double coverage.
Speaker 19: Basically, yes, I would double coverage.
Speaker 1: So okay, this is very curious, John, I've never shared
Speaker 1: this with you. This is crazy. And he has the
Speaker 1: exact same problem I ran into. So add a line
Speaker 1: up in law school and why she's in one of
Speaker 1: these apartments where there's like three people. Each person has
Speaker 1: their own room, bathroom, closet, their own living area. Then
Speaker 1: they have a common kitchen and you have to carry
Speaker 1: insurance and if you don't they put forced insurance on it.
Speaker 1: So happens. Same thing happened to me, but two years later.
Speaker 1: I usually just pay her rent for the entire year
Speaker 1: so I don't have to deal with it. So I
Speaker 1: make a lump some payment each year. Three years in
Speaker 1: law school, I go to make the last payment, like
Speaker 1: whatever it was six months ago, and I'm finally looking
Speaker 1: and I'm going, now, wait a minute, this isn't what
Speaker 1: it's supposed to be. They'd been charging me for insurance
Speaker 1: for the second year and just about to start charging
Speaker 1: me for the third year, even though I not only
Speaker 1: had coverage the old time, I had proof of coverage
Speaker 1: from Compass Insurance. I sent it to him and they said, well,
Speaker 1: you were supposed to upload it to the portal. My
Speaker 1: argument with them is that's crazy because whatever you attached
Speaker 1: onto mind had zero value to me, and I'm assuming
Speaker 1: it wasn't even a product that you guys were buying
Speaker 1: from someone else. I think you were just charging me
Speaker 1: x amount, So I want to see the policy info
Speaker 1: you're claiming. They didn't produce it, and they ended up
Speaker 1: literally reimbursing me for the time paid. But what are
Speaker 1: your thoughts on Gilbert's situation. I mean, if he didn't
Speaker 1: prove it, but yet he still had coverage and they
Speaker 1: charged him for that coverage. Well, let's pretend it's a
Speaker 1: car that you have financed and you don't prove to
Speaker 1: the bank or credit union that you have full coverage
Speaker 1: on the car or you know, collision coverage. So then
Speaker 1: what and they put forced insurance on it? Or a
Speaker 1: house that they put forced insurance because a mortgage company,
Speaker 1: isn't it unjustin Richmond?
Speaker 4: It may be, but it's at its heart a contract action,
Speaker 4: you know. I mean, there are the there are conditions
Speaker 4: that have to be met before they can put that
Speaker 4: insurance on there. Okay, if they're met, regardless of what
Speaker 4: really happened or quote unquote what you know, that that's
Speaker 4: all that really matters when you interpret a contract. If
Speaker 4: you didn't have the insurance and you didn't provide them
Speaker 4: proof or you know, perhaps in some mistake.
Speaker 1: That's a big difference though. But if you did have
Speaker 1: the insurance and for whatever assume they would get the
Speaker 1: proof or had the proof, and then they end up
Speaker 1: charging you for insurance while you're covered.
Speaker 4: I would think they should have to give you some
Speaker 4: kind of notice of their intent to add that.
Speaker 1: I know this. If you have two automotive policies, one
Speaker 1: of them's got to pay you back. Right.
Speaker 4: Well, I have had accidents where we cashed out two
Speaker 4: policies that overlapped each other. Oh my god, and we
Speaker 4: we got limits out of both of them.
Speaker 1: Oh my god. Yep, Oh my god. I did not
Speaker 1: know that.
Speaker 4: So we had we had a kid that moved to
Speaker 4: town from like Philly or somewhere else, right, and knew
Speaker 4: that he had to get new insurance what he got here,
Speaker 4: and he did, but he didn't cancel his old intang
Speaker 4: it would run out. And we discovered that's another thing,
Speaker 4: like what we do. We discovered that there was another
Speaker 4: policy and effect.
Speaker 1: Did the other Did the other policy ever? Find out
Speaker 1: there was two policies? Yeah?
Speaker 7: Wow.
Speaker 4: They fought over who went first, but in the end
Speaker 4: we got all of both.
Speaker 1: So Gilbert, Gilbert, when you talk to this place and say, hey,
Speaker 1: here's my proof of coverage, what do they say you
Speaker 1: were supposed to upload it, you didn't give it to us?
Speaker 1: What do they say?
Speaker 6: True?
Speaker 19: So what happened was is the first year they got
Speaker 19: it the second year. So you either sent the letter
Speaker 19: saying that I needed to show them proof, and I
Speaker 19: didn't either get it to them or I forgot to
Speaker 19: give it to him. It was still covered under my current.
Speaker 1: I get you, but since then when I it was
Speaker 1: covered the whole time, you never lapsed in coverage, but
Speaker 1: they charged you for a year of their own coverage.
Speaker 6: Yeah.
Speaker 1: Man, what do you guys think, Tomitri, you're pretty good
Speaker 1: at Uh.
Speaker 19: There's nothing. There's nothing specifying that they don't have to
Speaker 19: pay me. The only thing that's specifying in the contract
Speaker 19: is that if I don't show them proof that.
Speaker 1: Yeah, and that's exactly what happened. Your only argument would
Speaker 1: be I did show you proof, but you don't have proof.
Speaker 1: You showed them proof.
Speaker 4: Yeah, And if your excuse and defense is I forgot
Speaker 4: to give it to you, I don't think that's a
Speaker 4: very strong position.
Speaker 1: What was your excuse when you talked to him? Did
Speaker 1: you already tell them something?
Speaker 6: So yeah, they're just.
Speaker 19: Humming and on. They're saying, well, here's my boss. Gave
Speaker 19: me a copy of the contract and I said, I
Speaker 19: read that already and there's nothing in it.
Speaker 7: Yeah.
Speaker 1: This is the part that I This is the part
Speaker 1: I don't know the answer to. But it drives me
Speaker 1: crazy if someone says, like a credit union, we're going
Speaker 1: to put forced insurance because you're not giving us proof
Speaker 1: of insurance on that automobile that we collaborize. Here's what
Speaker 1: I can't stand. What amps? If they don't what ams?
Speaker 1: They just charge you for it and it's just an
Speaker 1: internal thing they wrap up. There is no actual coverage.
Speaker 1: That's where I go. It's not fair. So but we'll
Speaker 1: never know that because what does that insurance cover anyhow?
Speaker 1: Just your liability? I mean, what does this insurance cover?
Speaker 4: No, no, no, no, it doesn't cover that at all. It
Speaker 4: doesn't insure this guy to go out and drive safely
Speaker 4: and legally on the streets of whatever.
Speaker 1: It does.
Speaker 4: Talking to storage unit, it protects their interests only No,
Speaker 4: I know that.
Speaker 1: In the case of a car, it protects nothing but
Speaker 1: to collateral. But in the case of the storage unit,
Speaker 1: what the hell did the insurance even cover fireflood? I
Speaker 1: don't know.
Speaker 19: Insurance just covers their their their property, so it does.
Speaker 1: It's his liability on his little chunk. Basically, like if
Speaker 1: you accidentally drove through the door or something, Yeah, they're
Speaker 1: going to charge you for anyway. What you're gonna see
Speaker 1: it sucks. Yeah, one of you guys want to take
Speaker 1: a stab at it. I mean, you know, really, I
Speaker 1: don't want to put stuff on you. You guys don't
Speaker 1: even want to do so. Honestly, I'll be happy to
Speaker 1: look in. You want to take a call on it.
Speaker 15: Yeah, absolutely, I'll need you to speak with a caller first,
Speaker 15: because I have to confess to missing most of his
Speaker 15: call because I was on the phone with Walmart.
Speaker 1: Oh, I can't wait to hear that update. In fact,
Speaker 1: hold on, hold on, man hold everything. Gilbert Dmitri's gonna
Speaker 1: talk to you during break we come back. The Walmart
Speaker 1: thing was crazy. Lady walks in and basically a woman
Speaker 1: walks up to her in Walmart and says, I don't
Speaker 1: have any money. My kids are hungry. I've got three
Speaker 1: cans of formula. Can you help me? The lady's nice enough,
Speaker 1: she agrees to pay for the formula while they're still
Speaker 1: walking around the store, heading up to the front. Every
Speaker 1: time the woman turns around or whatever, meaning the lady
Speaker 1: that got scammed, the woman that's scamming, or keeps throwing
Speaker 1: stuff into her grocery cart. An example would be Claire
Speaker 1: to medication. Maybe some gift cards, I don't know, different
Speaker 1: things equaling four hundred and five hundred and seventy dollars.
Speaker 1: So the bottom line is the old woman and she's
Speaker 1: a woman at risk possible dementia over seventy years old.
Speaker 1: The bottom line is this, she got taken by this
Speaker 1: person for five hundred and seventy dollars. And we know
Speaker 1: what happened because Walmart later on pulled the surveillance and
Speaker 1: they actually acknowledge this as a problem in Walmart stores
Speaker 1: right now or in some Walmart stores that these gypsies,
Speaker 1: and I'll use the word gypsies are literally ripping people
Speaker 1: off with this scam. So she got screwed. Dmitri got
Speaker 1: through to Walmart. We're gonna find out what happens after this.
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Speaker 1: Right three on three seven one three eight two five five.
Speaker 1: I gotta go to this update. I gotta recap real quick.
Speaker 1: Bottom line is some gypsy's basically screwed this poor old
Speaker 1: lady that's possibly got dementia in Walmart. They talked her
Speaker 1: into buying some baby food or baby formula and ended
Speaker 1: up getting her for five hundred and seventy bucks. Who
Speaker 1: did you talk to at Walmart? Deputy Demetri hi Mark?
Speaker 15: Just a few minutes ago, the store manager at that
Speaker 15: particular store called me back and we had a conversation
Speaker 15: about it. I was very surprised to find out that
Speaker 15: he's never He hasn't heard of this event.
Speaker 1: He has not heard it. No, so he First of all,
Speaker 1: they said the video was pulled.
Speaker 15: Yeah, so it sounds like the security department didn't communicate
Speaker 15: this to the store manager.
Speaker 13: No.
Speaker 15: No, but okay, well it might be like a normal
Speaker 15: everyday occurrence of it that store.
Speaker 1: So what did he say?
Speaker 15: So he's going so I politely asked him to humbly
Speaker 15: requested him to consider issuing a gift card to the
Speaker 15: eld early lady because the scam drained her and literally
Speaker 15: her entire disability check for the month. Oh my god, Yeah,
Speaker 15: this is this has a tremendous impact. So he told
Speaker 15: me that he needs to look into this, and I
Speaker 15: believe him. Of course, I didn't expect an answer right
Speaker 15: on the spot, so he needed some details. I gave
Speaker 15: him the caller his name and cell phone number. He
Speaker 15: told me he's going to immediately call her, get the details,
Speaker 15: start researching, and then he's going to call me back
Speaker 15: once he Completeshi.
Speaker 1: I think Walmart, honestly, I think they're going to do
Speaker 1: the right thing, and I don't think they owe anything.
Speaker 1: I agree they did nothing wrong here. She got scammed
Speaker 1: inside the store. I've been in a Walmart, Dmitri where
Speaker 1: somebody was staring at gift cards and they looked dazed
Speaker 1: and confused. And I walked up and I said, can
Speaker 1: I help you find something? And I don't work there,
Speaker 1: And at the same time I walk up, and employee
Speaker 1: walked up and the guy said, well, I was told
Speaker 1: to buy five of these whatever these were, And the
Speaker 1: employee actually jumped in and said, no, no, someone's trying
Speaker 1: to trick you and went into this whole bit. So
Speaker 1: I know Walmart does get trained for stuff like that,
Speaker 1: but you know what, we're a Walmart town. What do
Speaker 1: I mean by that? Who do you think owns these them?
Speaker 1: They're Broncos out here.
Speaker 15: Oh of course. So I mean they have quite a presence.
Speaker 1: They got a hell of a presence out here. And
Speaker 1: I bet there's a market manager, a market manager, possibly
Speaker 1: a store manager JJ or somebody else. I'm just making
Speaker 1: names up here, Ellis. I'm just saying that might be
Speaker 1: able to come through with this five hundred and six dollars,
Speaker 1: I hope. So, I think Walmart's one of the best
Speaker 1: companies out there.
Speaker 15: I'll say that the gentleman I spoke with really took
Speaker 15: this matter very seriously, and he didn't tell me no
Speaker 15: right on the spot. He's going to educate himself on
Speaker 15: this issue.
Speaker 1: And you might hear back from the market manager as well.
Speaker 15: Yeah, yeah, left him a message as well.
Speaker 1: Hey, Dave, what's going on with your license plates?
Speaker 6: Well?
Speaker 1: Mark, Yes, sir, Yes, Dave, David, Yeah, Mark.
Speaker 13: I wanted to ask this question for tonks that once
Speaker 13: on time I heard it he was on help these
Speaker 13: event people from Venezuela. Okay, I guess I'm donated a
Speaker 13: car and he wanted it for them.
Speaker 1: Dave, hold on a second, let me let me take
Speaker 1: this break. I'm up against it. Put your thoughts together.
Speaker 1: You've been holding for fifty minutes and you're not spitting
Speaker 1: anything out. But I do want to hear what your question.
Speaker 1: Your comment is.
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Speaker 8: You don't pay a cent until you're content.
Speaker 7: Time for an insurance checkup free no obligation comparison call
Speaker 7: Compass Insurance. Pay too much your coverage at dozens of
Speaker 7: insurance companies find out now three oh three seven seven
Speaker 7: to one help. You'll think you're his only customer when
Speaker 7: you choose Frank durand the real estate Man dot com
Speaker 7: to list your home with Remax Alliance three oh three
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Speaker 1: All right, three oh three seven one three eighteen five five.
Speaker 1: I got to dive right into this, Dave. I was
Speaker 1: asking Kelly what your question was. Tell me if I
Speaker 1: got the question correct. You want to know if somebody
Speaker 1: with an out of the country license can register a
Speaker 1: car in Colorado. Is that your question? Yes, okay, The
Speaker 1: answer from everything I'm seeing is yes, you can. You
Speaker 1: absolutely can. It says you'll need some documentation besides that
Speaker 1: out of the country license, the vehicle's title, or a
Speaker 1: current out of state registration of ven verification if the
Speaker 1: vehicle was titled in another state, proof of insurance, proof
Speaker 1: of address, proper identification, which I am not sure what
Speaker 1: that comes down to, but it says yes, as long
Speaker 1: as it's proper identification, you can do. You know someone
Speaker 1: having trouble doing it.
Speaker 13: Dennis Thlot people friends of mind, you have Venezula driver license.
Speaker 13: They went down here, they have auto insurance missions and
Speaker 13: they won't not give them flights because they say you
Speaker 13: need a Colorado drive license.
Speaker 1: Well, you definitely don't need a Colorado driver's license. So
Speaker 1: I don't know why they're saying that. But whether or
Speaker 1: not they have proper id meaning they're Venezuelan license, that
Speaker 1: I can't answer the question to. But I can tell
Speaker 1: you this right now. I you know, if I lived
Speaker 1: in California, I can come register a car in Colorado
Speaker 1: with my California license And it literally says at Colorado
Speaker 1: dmv uh. Basically you can do it if you're from
Speaker 1: another country. So I don't know what else the deal is. Man,
Speaker 1: We're not talking about getting a license. We're talking about
Speaker 1: registering a car. Correct.
Speaker 6: Ye.
Speaker 1: They must not just know who these people are. They
Speaker 1: must not trust whatever identification they have. I mean, really,
Speaker 1: in Colorado, you could probably register an Apple if you
Speaker 1: wanted to. I mean, honest to God, they'll give a
Speaker 1: license to anybody. So, I mean, I'm not sure what
Speaker 1: to make of it. I'll tell you what. They'll leave
Speaker 1: your information with Kelly, and I'll pass it on to
Speaker 1: someone I know that's helping a family out like that, Okay,
Speaker 1: And I'm going to see if he's got any information.
Speaker 1: And as you know, that's Tom. I'm going to see
Speaker 1: if Tom ran into this issue at all, and I
Speaker 1: will have Tom email you directly. John Fuller Fuller Law
Speaker 1: loved having you in parting words. I mean, really we
Speaker 1: talk about personal injury. I want to say something. A
Speaker 1: lot of people wait too long after an accident. How
Speaker 1: many people do you think right after that jarring experience
Speaker 1: of a bad accident, you know, you get out of
Speaker 1: the hospital, you're finally back at home or out of
Speaker 1: the er, and you might think, oh, Okay, in a
Speaker 1: few days, I'm going to feel better. But how long
Speaker 1: do injuries take to show up? I mean, I know
Speaker 1: that's basically a crystal ball question, but I mean there's
Speaker 1: people that think they're going to be better in a
Speaker 1: few days and weeks later they're still in pain.
Speaker 4: I mean, like for real, Yeah, I think most people,
Speaker 4: you know, most people just have this attitude that I'm
Speaker 4: gonna be okay and it's all going to work out.
Speaker 4: And they wake up and the very first thing that
Speaker 4: they're really concerned about is the property damage. Really and truly,
Speaker 4: you need to be concerned about the damage to you. Yeah,
Speaker 4: we'll get the property to sort itself out. Yeah, that's it, folks. Listen,
Speaker 4: any questions you have, John's happy to answer them when
Speaker 4: it comes to personal injury. Three oh three, five ninety seven,
Speaker 4: forty five hundred, John Fuller, Fuller Law, Dmitri.
Speaker 1: Thank you. We're gonna have updates hopefully tomorrow on Walmart. Scott.
Speaker 1: Thank you, thank you, Dragon, thank you. See you tomorrow.