Speaker 1: Yeah, ripped off. Didn't need advice, so you don't have
Speaker 1: come running just.
Speaker 2: As fast as you can.
Speaker 1: Shooter's gonna help.
Speaker 3: Come.
Speaker 1: Man, this is.
Speaker 2: The Troubleshooter Show.
Speaker 4: Now, Tom Martino, Hey, Tom Martino here, Welcome to the show.
Speaker 4: Three oh three seven one three talks three oh three
Speaker 4: seven one three eight two five five. So up to
Speaker 4: a minute ago, I didn't have a Wi Fi. I
Speaker 4: mean I had connectivity to the station, but.
Speaker 5: No Wi Fi.
Speaker 4: And I realized how much of our lives depend on
Speaker 4: Wi Fi or or your internet connection.
Speaker 5: In your house, I have virtually everything on it.
Speaker 4: I mean I have my garage door openers, my ring doorbell,
Speaker 4: my my.
Speaker 5: Lights, my.
Speaker 6: You know.
Speaker 4: I mean I could do manual stuffs, you know, with
Speaker 4: the garage door and all that. But what I meant
Speaker 4: was it was so weird, and I'm thinking, oh, man,
Speaker 4: and my call screener here to get calls three zho
Speaker 4: three seven one three talks seven one three A two
Speaker 4: five five.
Speaker 5: I hope you all had a great weekend. So the
Speaker 5: guy says, we'll log into your router.
Speaker 4: And see why the conflict because I kept getting conflicting
Speaker 4: IP addresses. Long story, but I thought that when you
Speaker 4: had dynamic selection of IP that it's automatic. They randomize
Speaker 4: and they don't conflict. So maybe some of my egghead
Speaker 4: geeks can help me. Certainly not my YouTube morons or
Speaker 4: maybe they're smarter than they look.
Speaker 5: But welcome. But Wi Fi and what do I call it? Internet?
Speaker 5: In general?
Speaker 4: Our connectivity is so important crap. I mean, I guess health.
Speaker 4: I'd put up above connectivity right barely, but it's a
Speaker 4: little above. What about money? Anyway, Let's talk what's on
Speaker 4: your mind today. I have Brendan Killyan with me. Kellyan
Speaker 4: or Killy Kellyan made in the shade window coverings, and
Speaker 4: I heard of so many cool things on the forefront
Speaker 4: of window coverings.
Speaker 5: I just want to ask you something.
Speaker 4: By the way, folks, I still want to tell you too.
Speaker 4: You can text me in two ways. The station's texting
Speaker 4: app is five seven seven three nine. But I have
Speaker 4: opened up my personal Google number. I'm proud of that
Speaker 4: because it comes right to my cell phone hasn't been abused.
Speaker 5: I love it.
Speaker 4: People have been texting me all night, all days, and
Speaker 4: I have a lot of stuff to talk about.
Speaker 5: Their questions seven four seven.
Speaker 4: Nine fifty two eighty seven four seven fifty eighty. Tell
Speaker 4: me if you've done anything interesting.
Speaker 5: For Labor Day. And I posted what I did. I
Speaker 5: didn't post it on LinkedIn. I posted it on Instagram
Speaker 5: and TikTok. Not that it matters done. I'm not big
Speaker 5: on TikTok. I just do it for the hell of it.
Speaker 4: And what I'd like to know is what's on your
Speaker 4: mind today and how can we help you now? One
Speaker 4: thing that has been coming up time and time again,
Speaker 4: there's two recurring well, there's many recurring themes, but lately,
Speaker 4: let me talk about some recurring themes. One is used cars,
Speaker 4: people buying without checking them out and ending up in
Speaker 4: disastrous situations, saying, well, they assured me it was it
Speaker 4: was good.
Speaker 5: They assured me this. They assured me that, and it
Speaker 5: ends up people are totally screwed because they didn't check
Speaker 5: out a car.
Speaker 4: Now, even checking out a car, it's not going to
Speaker 4: be one hundred percent foolproof. You can't find everything wrong
Speaker 4: with a car.
Speaker 5: But I will tell you that with one hundred and
Speaker 5: fifty thousand miles or more, you will have problems. There's
Speaker 5: no question.
Speaker 4: No matter how it was maintained, you will have problems,
Speaker 4: maybe minor, maybe major. Approaching two hundred, you will have
Speaker 4: major problems. No questions asked, Just just know that you will.
Speaker 4: If you approach one hundred and seventy five thousand miles
Speaker 4: or more, you will double the cost of the car.
Speaker 5: Absolutely.
Speaker 4: With one hundred thousand miles, you will have heavy maintenance
Speaker 4: and some replacements. So while you're doing that to keep
Speaker 4: the price down, the price is not really going to
Speaker 4: be down. I met a woman when a woman called
Speaker 4: the show one time and she said, listen, I want
Speaker 4: to buy a four thousand dollars car.
Speaker 5: You know, I want to buy that, and I want
Speaker 5: to do it for I want to do it, you know,
Speaker 5: I want to do it for cash. And I said,
Speaker 5: what did you find? She found a car with a
Speaker 5: two hundred and ten thousand miles on it, four thousand
Speaker 5: dollars And I said, you understand, it's going to need this.
Speaker 5: It's going to need that.
Speaker 4: No matter what if you at the time, at the time,
Speaker 4: I believe new car, you could get a new Hyundai
Speaker 4: literally for eighteen grand, nineteen grand at the time. I said,
Speaker 4: if you put four thousand dollars down, you're financing fourteen
Speaker 4: thousand or something, fifteen whatever, and you're financing it at
Speaker 4: the time at four and a half percent. Now think
Speaker 4: about this, Oh, I don't want to pay payment. I said,
Speaker 4: you're going to have a payment. It's just a question
Speaker 4: of what payment. Are you going to be paying a
Speaker 4: dead horse?
Speaker 5: Are you going to paying for repairs or are you
Speaker 5: going to be paying for a new car that has
Speaker 5: a ten year, one hundred thousand mile warranty.
Speaker 6: Shed.
Speaker 4: Well, then I'll have to buy collision coverage and all that.
Speaker 4: And I said, well, let's do the math. In the
Speaker 4: math with the financing she was getting in everything. Now,
Speaker 4: I'm not going to give you exact numbers. I'm going
Speaker 4: to give you an idea. She would have no payments
Speaker 4: on the used car on the Hyundai with insurance and everything.
Speaker 4: Now remember she still has insurance on the used car,
Speaker 4: but not a lot so. But with the insurance difference
Speaker 4: on the Hyundai and the payment on the Hyundai, I
Speaker 4: think she was up around two hundred and fifty dollars
Speaker 4: a month brand new car tenures. And I forget, I
Speaker 4: think that was only like a four year loan three
Speaker 4: or four it could I think it was. But when
Speaker 4: we did the math, here's what happened.
Speaker 5: She had to do major engine work after she got
Speaker 5: it for a little while. Now, remember she had to
Speaker 5: do major engine work. She had to do transmission work,
Speaker 5: she had to fix the shocks. She had to do
Speaker 5: so much in repairs that her payments on that were
Speaker 5: higher if you amortized him.
Speaker 4: She had to draw out cash and pay for repairs
Speaker 4: or put them on credit cards. But she was paying
Speaker 4: more for that used car with two hundred and ten
Speaker 4: or two hundred some thousand miles on it, then she
Speaker 4: would have for the brand new car for the entire
Speaker 4: four years. Then at the end of four years, what
Speaker 4: did she have a piece of crap? If she had
Speaker 4: purchased the brand new Hyundai and made those payments, she
Speaker 4: would have.
Speaker 5: Had a paid off, free and clear car with another
Speaker 5: six years of warranty. Think about this now, that.
Speaker 4: Is what you call a psychological myth and mistake. When
Speaker 4: people say I don't want to I don't want a
Speaker 4: car payment, you will always unless you're swimming in cash,
Speaker 4: you'll always have a car payment unless you pay a
Speaker 4: new car cash.
Speaker 5: But if you buy a used car for cash because
Speaker 5: and it's and it's let's.
Speaker 4: Say under eight grand, now you will have major repairs.
Speaker 5: There's no question in my mind.
Speaker 4: Now there are rarities a little old lady from Pasadena
Speaker 4: and other people who don't drive and maintain the hell
Speaker 4: out of something, but it is rare, it is far between,
Speaker 4: and it will never usually happen. By the way, waterpros
Speaker 4: dot net, the best water system at the lowest prices anywhere.
Speaker 4: I think the special has expired. Wait a minute, Wait
Speaker 4: a minute. Oh, he just texted me Paul the waterman.
Speaker 4: Today is the last day for the thirty one ninety
Speaker 4: five special. You can sign up, but you can sign up,
Speaker 4: but you don't have to have it done today.
Speaker 5: And that's thirty one ninety five. Now here's what you get.
Speaker 4: Not only the reverse osmosis for drinking, You get water softening.
Speaker 4: You get the entire whole house system that would normally
Speaker 4: be for him, even him, at the best prices.
Speaker 5: Ever, Let's see if there around.
Speaker 4: Five over five grand plumbers for the same thing would
Speaker 4: charge you sixteen thousand. Now here's what I'm telling you.
Speaker 4: You can get it for thirty one ninety five.
Speaker 5: Mille bull three h three eight six y two five
Speaker 5: five four more coming right.
Speaker 4: Up, Go with a sure thing. Denver's Best Roofer Excel
Speaker 4: roofing dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. Comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: to seven to one.
Speaker 3: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: Durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two.
Speaker 5: All right, so I'm Tom Martino, your troubleshooter.
Speaker 4: Frank Ran, the real estate man, will do in market
Speaker 4: valuation of your home for the asking and tell you
Speaker 4: what it will sell for in this market based on
Speaker 4: all the elements, and he knows them all the interest rates,
Speaker 4: the comps, the inventory, the supply and demand. He'll come
Speaker 4: in pretty accurately with no obligation to list. Three oh
Speaker 4: three nine two zero sixteen twenty two. Frank Dran, the
Speaker 4: real estate Man dot com. Okay, listen, So I have
Speaker 4: a question. And uh oh when I said there were
Speaker 4: issues that came up. One of them was, of course,
Speaker 4: with cars and used cars crapping out. The other one
Speaker 4: was and this comes up a lot valuing a car
Speaker 4: after an accident when it's totaled, and when people pay
Speaker 4: too much or owe too much, they're in for giant shocks,
Speaker 4: and that's what happens. And so especially people when they
Speaker 4: have an older car and they paid a lot for it,
Speaker 4: they want to keep it because they want to repair
Speaker 4: it and keep it.
Speaker 5: It's better for them than the total. So what they
Speaker 5: do is they total.
Speaker 4: The car and then let's say they say you're gonna
Speaker 4: get fifteen for the car. They say, we don't want
Speaker 4: fifteen for the car. We want to keep it and
Speaker 4: fix it.
Speaker 5: They say, okay, then we're going to give you twelve
Speaker 5: or we're going to give you thirteen or whatever, and
Speaker 5: you're theoretically paying for the salvage. Insurance companies have a
Speaker 5: way of charging you too much for that salvage. Here's
Speaker 5: a rough way to estimate this. If what you pay
Speaker 5: for the salvage plus the repair cost. Okay, if you
Speaker 5: can what the salvage and the repair cost so or
Speaker 5: the remainder what you're gonna get. For example, if they
Speaker 5: total it for a fair price and subtract a fair price,
Speaker 5: then you should be able to take the salvage value
Speaker 5: along with the check you're getting. So let's say they
Speaker 5: charge you two grand and they give you a thirteen
Speaker 5: thousand dollars check, so you're netting thirteen. You're keeping the car.
Speaker 4: Now theoretically, then the thirteen plus the two equals fifteen.
Speaker 4: That should roughly be the value of that car. And
Speaker 4: it should be the value of the car after repairs.
Speaker 4: And if you can repair it for that amount, you
Speaker 4: come close. If not, then it's a bad deal and
Speaker 4: it's not worth salvaging, even though that's what you want
Speaker 4: to do. Now, if you paid too much for it,
Speaker 4: you're scrutin no matter what, nothing can help you there.
Speaker 5: Even gap insurance only covers depreciation, no overpayment, and they'll
Speaker 5: only go one hundred and twenty five percent of value
Speaker 5: only for the depreciated part, not for this is important,
Speaker 5: not for the overpayment or stupidity. As I said, gap
Speaker 5: insurance is not stupid insurance.
Speaker 4: Now, we have Brendan Killion with us from Made in
Speaker 4: the Shade, and I wanted to know if you've heard
Speaker 4: of these new shades now, Well, I don't even know that.
Speaker 4: I don't think they're on the market.
Speaker 5: But they're so thin and they can literally project You
Speaker 5: can project things on them, so you can have Wi
Speaker 5: Fi projecting images on shades, and the shades are kind
Speaker 5: of like roll up screens almost Holy crap. Does that
Speaker 5: change the.
Speaker 4: Whole complexion of window coverings? Imagine that? I mean you
Speaker 4: can have shades that come down and have different scenes
Speaker 4: for different seasons.
Speaker 5: You can literally redecorate your house for the seasons.
Speaker 4: I don't know if they'll ever hit them all. I
Speaker 4: think they'll hit the market. I think everything does eventually.
Speaker 4: Have you seen any of them at shows or ever
Speaker 4: seen anything close?
Speaker 7: I haven't seen them specifically for that. However, I have
Speaker 7: had projection screens like in my own home before.
Speaker 5: Now that but where you project something onto it right.
Speaker 7: Were correct, and so obviously they may you know, like
Speaker 7: a room darkening white rollers.
Speaker 5: Shade I'm talking about.
Speaker 4: I think these were almost like mini is it LEDs.
Speaker 3: Like the screen is like literally, oh, I've not seen that.
Speaker 5: Now we think about that.
Speaker 3: That's incredible, that's interesting. Yeah, No, I've not seen that.
Speaker 4: And what I'd like to know though, is the the
Speaker 4: future of window coverings. There is something called smart glass now,
Speaker 4: it's it's right now. I think it would be cost
Speaker 4: prohibitive to put in houses, but they're certainly working towards that.
Speaker 7: I mean, like in the like in restaurant bathrooms exactly.
Speaker 4: But this, this smart glass would be adjustable with an app,
Speaker 4: so you can adjust shades to let light in or not.
Speaker 4: And you can so you can adjust the translucency. I
Speaker 4: guess it would be called there. It's transparency probably, so
Speaker 4: you can make a translution, can make it totally transparent,
Speaker 4: you can, you can alter in between. And some of
Speaker 4: them are even experimenting with colors. So I mean, there's
Speaker 4: no end to what houses will look and feel like.
Speaker 4: I mean I know that, you know, years ago at
Speaker 4: World's Fairs, they would exaggerate what we'd be doing by now.
Speaker 4: I thought we'd all get hovercrafts riding around.
Speaker 5: But okay, let me go to the text. By the way,
Speaker 5: three oh.
Speaker 4: Three seven one three talks seven one three eight two
Speaker 4: five five. Some people are better off paying for the
Speaker 4: repairs when needed, rather than having a fixed monthly payment
Speaker 4: for four years. How first, Okay, I was talking about
Speaker 4: buying used cars and putting money into them, I don't believe,
Speaker 4: but not when the repairs.
Speaker 5: When the repairs are.
Speaker 4: Needed, okay, But let's say you have no payment for
Speaker 4: two years and then you have a major four We're
Speaker 4: talking four and five and six thousand dollars repairs here
Speaker 4: on cars with hundreds of thousands of miles. So what
Speaker 4: I'm talking about it are dozens of thousands.
Speaker 5: I'm saying that they're not better off because your money
Speaker 5: is money is money. I mean, wouldn't you rather be
Speaker 5: paying a payment for four years and have no problems none,
Speaker 5: or paying for massive repairs and still have an old
Speaker 5: piece of crap. That's the point I'm making that the
Speaker 5: money you're putting into this car is not making it
Speaker 5: newer or better. It's still an old car. But that
Speaker 5: was That was the text I enjoyed, you know, thank
Speaker 5: you for the text. I have another one here.
Speaker 4: A guy with my computer, Colorado Computers.
Speaker 5: Charlie has helped me a lot.
Speaker 4: He said, the IP addressed conflict is probably caused by
Speaker 4: one of your devices having a static IP.
Speaker 5: So I found out what it was, Charlie. I looked
Speaker 5: on my.
Speaker 4: Google app, because my Google is my distributor of Wi
Speaker 4: Fi for you tech geeks out there, and I'm a
Speaker 4: tech geek and I know I have a lot listening.
Speaker 5: I have centry Link broadband. Love it.
Speaker 4: Century Link broadband is solid. I don't use their modem
Speaker 4: to distribute Wi Fi. I use see modems have two
Speaker 4: things in them, a router and Wi Fi. That's a
Speaker 4: wireless transmitter wireless fidelity, and then they have a router.
Speaker 4: Now a lot of people plug that router into their
Speaker 4: house so their Cat fives around the house are activated.
Speaker 5: And those are newer homes, but older newer homes.
Speaker 4: The newest homes are all doing wireless, but the Cat
Speaker 4: five or fiber by the way, but the Cat five
Speaker 4: is energized usually by the modem, or you plug into
Speaker 4: the modem for Cat fives, and then it's a wireless
Speaker 4: I decided to just use my modem from sentry Link
Speaker 4: because it's not really good Wi Fi. I use it
Speaker 4: as a bridge simply to bring in Internet, and I
Speaker 4: distribute it to Google's Google's Mesh system, and Google's Mesh
Speaker 4: system then assigns IPS and what I didn't realize Charlie
Speaker 4: until two minutes before the show and Brendan was watching me.
Speaker 5: I was able to log on to Google Home and
Speaker 5: you can view each and every item and all of
Speaker 5: their IPS. What I couldn't do is change the IP
Speaker 5: of that. It turned out one TV has the same
Speaker 5: IP address one TV, and I couldn't change it. So
Speaker 5: what I had to do is pause that TV. I
Speaker 5: don't know.
Speaker 4: I don't know what to do about it. I don't
Speaker 4: know how to change the IP on it. There must
Speaker 4: be a way, but anyway, I digress. That is the
Speaker 4: life of technical stuff.
Speaker 5: Three h three. So, oh, I got it. You just
Speaker 5: sent me a picture. Is that today? Do I have
Speaker 5: two deputies in the studio?
Speaker 8: Yes?
Speaker 9: Do I have two?
Speaker 5: Or is that the other? Okay, so I see Dollar Dollar.
Speaker 4: I can recognize I can recognize both of them because
Speaker 4: they never mind anyway.
Speaker 5: So it's gonna be mean. I'm gonna be nice. So,
Speaker 5: Deputy Dollar, what did you do with your extra day off?
Speaker 5: Go and be honest? What did you do? Actually, Tom,
Speaker 5: it was just kind of a choir weekend, So you
Speaker 5: know what. Anyone who travels during this time, they're they're insane.
Speaker 5: I mean, they're totally insane. Chopper, what did you do?
Speaker 10: I got upset because there wasn't a Bronco game. I
Speaker 10: thought it was the start of the season.
Speaker 5: Oh, anyway, here's the text.
Speaker 4: The reason everybody issuing Donald Trump for using their music
Speaker 4: is because the number number one, he didn't ask permission.
Speaker 5: Number two he's a douche bag. I can say that, right.
Speaker 5: How many times are we going to make excuses for
Speaker 5: this guy? Okay? Good? I have more than just conservatives
Speaker 5: listening to this show, and the number is three ZHO three,
Speaker 5: seven to one to three.
Speaker 4: Talk Brendan. If you're going to do shades. They don't
Speaker 4: even make cords anymore, do they. Somebody wants to replace
Speaker 4: them and match what they have. It's not that they
Speaker 4: like chords, they just don't want to have one that's
Speaker 4: not like the others.
Speaker 5: Can you do it?
Speaker 7: There's a couple of products that still have a chord
Speaker 7: with a with a you know, a government approved release
Speaker 7: on it to make it still safe. But I would
Speaker 7: say buy and large chords are gone?
Speaker 5: Okay, So can you restring a shade? Is there such
Speaker 5: a thing? As It depends on what kind of shade
Speaker 5: it is.
Speaker 7: Like, if it's just a chord issue, you can usually
Speaker 7: get that part on the end, which is a clutch,
Speaker 7: and get that repator. You can get the chord replacement.
Speaker 4: But certainly blinds still have chords. I mean blind, you know,
Speaker 4: the good old fad. Have you seen the wood slatted blinds?
Speaker 4: And then those are all pretty much cordless too. How
Speaker 4: do they just put your hand under the bar and
Speaker 4: lift them up? Okay, well that's it, that's the blind.
Speaker 4: But then how do you adjust the loop.
Speaker 5: Is a wand so when you screw the wand that's
Speaker 5: tilt and that's way neaterter those older heads off all
Speaker 5: the strings and.
Speaker 3: You don't have to then mount anything to their window.
Speaker 7: Also like screw into the window right cleat you know
Speaker 7: for the cord So.
Speaker 4: Three O three seven one three A two five five
Speaker 4: eight eight eight Heating dot com honest good people for plumbing,
Speaker 4: electric and they can check your furnace NAC for the
Speaker 4: asking three O three seven seven zero two seven seven
Speaker 4: six go with a sure thing Denver's best roofer Excel
Speaker 4: Roofing dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: all three nine two zero sixteen twenty two. I hear
Speaker 4: thank you better late than never on that music bro
Speaker 4: three all three seven one three talk seven one three
Speaker 4: eight two five to five.
Speaker 5: People are still kicked back in vacation mode. They don't
Speaker 5: really want to get ready for the school year, although
Speaker 5: it already started. Brandon, when you get busy for with
Speaker 5: Maide in the shade? When do you get busy for
Speaker 5: the holidays?
Speaker 4: Do people ever get the holiday rush like they do
Speaker 4: for bathrooms and kitchens?
Speaker 5: They do, and and floor coverings and all.
Speaker 3: Yeah, they do.
Speaker 7: Unfortunately, a lot of times they don't think about the
Speaker 7: lead time on getting customers.
Speaker 5: What is the lead time that's gone on for next week?
Speaker 5: What is the And they're all custom When you say customer, every.
Speaker 7: Single one of them, I mean really yeah, I mean
Speaker 7: yeah yeah, So what is the lead to? We're down
Speaker 7: much better, like two to three weeks. I can get
Speaker 7: those things in and we have an in house from.
Speaker 5: The time you order two or three weeks yep, oh
Speaker 5: really yep.
Speaker 7: And with our in house installer, I don't sub that
Speaker 7: out so I don't have to get on someone else's schedule,
Speaker 7: so we can get people installed quick.
Speaker 4: Okay, now on a text here, Oh not a text,
Speaker 4: this is a.
Speaker 5: This is something I want to note.
Speaker 4: So ten percent year on year, houses have increased, the
Speaker 4: sales have increased, mostly for starter homes.
Speaker 5: That's a major deal.
Speaker 4: A ten percent surge in this economy is major because
Speaker 4: we're being told that. You know that interest rates have
Speaker 4: a big impact, and they do, but still a ten
Speaker 4: percent surge. Also another thing that's really important. There is
Speaker 4: a hot there is a slowdown of hiring people.
Speaker 5: And you want to know why.
Speaker 4: Gen Z is having a problem, and millennials are locked
Speaker 4: into lower paying jobs, many times in companies because baby
Speaker 4: boomers old farts are refusing to retire. They're still working
Speaker 4: and they want to work. The average retirement it used to.
Speaker 5: Be people retired at fifty eight to sixty two. People
Speaker 5: are working well into their seventies.
Speaker 4: They enjoy it and they want to do it, and
Speaker 4: they're pissing off a lot of younger people. So my
Speaker 4: question is, and I'm serious, do you think people have
Speaker 4: a duty to retire and I'm serious about it. Do
Speaker 4: you think they now I'm talking about normal jobs too.
Speaker 4: I mean, it's not like I'm making iron forging iron here,
Speaker 4: you know, I'm sitting in a home studio doing a show.
Speaker 4: But still still, do people have a duty to move
Speaker 4: over rover and let someone else take over? Also on
Speaker 4: a list of being weird, I used to put eating alone, going.
Speaker 5: To movies alone? But do you know that more and
Speaker 5: more people are doing that? So YouTube moron's I'd like
Speaker 5: to know, do you ever go to a movie alone?
Speaker 3: Now?
Speaker 5: I've never gone. I don't think I've ever once went
Speaker 5: to a movie ever alone? Anybody go to a movie alone? Now?
Speaker 5: I've eaten out alone. I don't care about that I
Speaker 5: read or something. I don't think that's so weird. But
Speaker 5: that's not a list of weirdness. So I want to
Speaker 5: add to this list of weirdness. I added to it.
Speaker 4: Being a greeter at any store, you're weird. No one
Speaker 4: wants to be a greeeder. Hey, Deputy Dollar, maybe I
Speaker 4: could see you.
Speaker 5: Do you want to be a greeter? Chopper could be
Speaker 5: a greeeder?
Speaker 3: No, Tom not.
Speaker 5: Come on, here's a weirdness, and I hate to say it,
Speaker 5: but it's true. Let's just be honest. About it. Dating
Speaker 5: after sixty it's just weird. It's okay if you meet
Speaker 5: someone at somebody's house, but this, but dating apps and
Speaker 5: dating after sixty, it's kind of weird. I don't think
Speaker 5: any normal person would do that. Do you. Here's another
Speaker 5: thing I think is weird, and maybe maybe I might
Speaker 5: get a little disagreement from the studio. Muscle cars over
Speaker 5: fifty Be careful there, over fifty years old? Muscle cars?
Speaker 5: Is a Mustang considered a muscle car.
Speaker 10: I don't think the one eyedea spot is. I think
Speaker 10: they're talking about the seventy cars. Are you sure that's
Speaker 10: what I considered muscle cars?
Speaker 5: Do you ever eat alone?
Speaker 6: Never?
Speaker 5: At a restaurant?
Speaker 10: Only when I worked for the government.
Speaker 5: Did you ever go to a movie alone?
Speaker 10: Never?
Speaker 5: But I did bowl alone?
Speaker 4: Of course now because he has he has Cinemax at
Speaker 4: night so he doesn't have to.
Speaker 5: I'm sorry I didn't say that tonight. Go ahead, what
Speaker 5: what were you going to say? Bowling? How about bowling alone? Well,
Speaker 5: that would be stupid. Why would you do that? Well? Thanks,
Speaker 5: because there was no one else in the bowl with God. Okay,
Speaker 5: Uriah reminds me of a group. What am I?
Speaker 3: What?
Speaker 5: What rock group. Am I thinking of Uriyah? Come on,
Speaker 5: you're right, of course. Have you heard of them? Right? Aryah,
Speaker 5: what's going on with your firearms purchase? Uh?
Speaker 6: So I had to I placed an order. I placed
Speaker 6: an order through the store that I got trained at,
Speaker 6: and then they made me they had to order it,
Speaker 6: so I had to play it pay the entirety up
Speaker 6: front when I came back.
Speaker 4: Now, wait a minute, so you got you had to
Speaker 4: pay upfront for the weapon, right.
Speaker 6: Yes, because it was an online order. It wasn't physically
Speaker 6: in a store.
Speaker 5: Okay, but you were at the store they put the
Speaker 5: order in for you, or you did it online. That's
Speaker 5: the part I don't understand.
Speaker 6: Oh, they put the order in for me. I just
Speaker 6: went to their store because they're affiliate with the company
Speaker 6: that trained us to get an armed guard card.
Speaker 4: Okay, but did you know that you would be approved
Speaker 4: for it? Background and everything.
Speaker 6: I had the assumption I was, but I didn't. I
Speaker 6: you know, I didn't know. It's my first time trying
Speaker 6: to purchase a firearm.
Speaker 5: You know.
Speaker 4: I had an argument one time with a gun dealer
Speaker 4: who was charging people up front, and I said, technically,
Speaker 4: you're not buying a gun you're putting a deposit down
Speaker 4: because you can't buy it. They can't sell it to
Speaker 4: you until you're approved. Right, So how did they the
Speaker 4: money that you paid? How much did you pay?
Speaker 6: Uh with the firearm and the background check? Yeah, twelve
Speaker 6: hundred dollars, Uh, ninety four dollars and some sense.
Speaker 5: Okay, hold on a second.
Speaker 4: We'll come right back to you, because I'm interested to
Speaker 4: know what went on with this, and uh, it's pretty
Speaker 4: firearms people are under pretty strict scrutiny to do things right.
Speaker 5: So hang on.
Speaker 4: I'm Tom Martine three oh three seven one three Talks
Speaker 4: seven one three eight.
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Speaker 4: Wait time for an insurance checkup free, no obligation. In comparison,
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Speaker 4: of insurance companies find out now three all three seven
Speaker 4: to seven to one.
Speaker 3: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
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Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two. Hey Tom Martino, your troubleshooter three all
Speaker 4: three seven one three talk back to Uriah and uh free,
Speaker 4: Uh Uriah, what's happening? And how do we help you?
Speaker 5: Go ahead, sir?
Speaker 4: You said you paid up front twelve hundred bucks, background
Speaker 4: check and gun.
Speaker 5: What went wrong?
Speaker 6: The background check got denied? Uh so? I tried to appeal.
Speaker 5: Now wait, wait, wait, what do you mean? I don't understand.
Speaker 5: What do you mean? God denied?
Speaker 6: Uh so? So I purchased the fire arm. They waited
Speaker 6: a week and a half for the firearm to ship
Speaker 6: to the store. I went into the store to do
Speaker 6: the background check once the firearm had arived.
Speaker 5: Okay, that's the proper way. Then what.
Speaker 6: I did the background check, left the building and went
Speaker 6: to work. And then they called me about thirty minutes
Speaker 6: later saying that the background check got denied.
Speaker 4: Okay, so you get a refund except for the background check.
Speaker 6: That's that's too, that's too. What my awareness was, and
Speaker 6: that's what they had told me over the phone. And
Speaker 6: then they said that they just said, we issued the
Speaker 6: process of a refund. We just don't have a specific
Speaker 6: date for you.
Speaker 4: Wait a minute, Wait a minute. What kind of cocking
Speaker 4: made me crap?
Speaker 5: Is that they it? How long ago did you make
Speaker 5: this purchase?
Speaker 6: I made this purchase in April?
Speaker 5: And wait a minute, well in April? When did When
Speaker 5: did you get denied?
Speaker 6: I got denied in April.
Speaker 5: Okay, and you still haven't gotten your money back.
Speaker 6: No, sir, I'm still something I'm dealing with every day,
Speaker 6: trying to know You're not.
Speaker 4: No, you were're gonna call what's the name of this damse?
Speaker 4: What's the name of this store?
Speaker 6: Uh? The store is getting rebranded, I guess, but when
Speaker 6: I'm when I was there.
Speaker 4: Wait a minute, that's bad news. You said rebranded. It
Speaker 4: sounds did they sell.
Speaker 6: Look primarily from what I understood was that it's a
Speaker 6: firearms training for a company.
Speaker 4: But then they have your Riyah, hang on, man, smell
Speaker 4: a screw job here. Hold on, We're gonna get one
Speaker 4: of those deputies sitting in there, preferably probably Chopper, former cop,
Speaker 4: to do some digging on this chopper.
Speaker 5: Talk to him during the break. Let's see what we
Speaker 5: can do. We'll do.
Speaker 4: Go with a sure thing Denver's best rufer excel Roofing
Speaker 4: dot com.
Speaker 5: You don't pay a cent until you're content.
Speaker 4: Wait time for an insurance check up free, no obligation
Speaker 4: comparison call Compass Insurance paying too much your coverage at
Speaker 4: dozens of insurance companies find out now three oh three
Speaker 4: seven seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two.
Speaker 1: Ripped of.
Speaker 11: News.
Speaker 1: You need advice who you don't have?
Speaker 6: Run anxious as fast.
Speaker 2: As you can.
Speaker 1: Shooter's gonna help.
Speaker 2: Come man, this is the Troubleshooter Show. No Tom Martino, Okay.
Speaker 4: Tom Martino here, Welcome to the show. Three O three
Speaker 4: seven one three talk three oh three seven one three
Speaker 4: eight two five five. Here to help you anyway. We
Speaker 4: can even have problems to solve, things to help with
Speaker 4: when it comes to life, liberty, the pursuit of happiness
Speaker 4: in your pocketbook. I have a number texts and a
Speaker 4: couple calls. Uriah started with a deposit on a firearm.
Speaker 4: Deputy Choppers, you talked to him during the break at all.
Speaker 5: Yes, I did. I got all the information. I so
Speaker 5: tell me what's going on? Chopper?
Speaker 4: They just and Uriah? They I mean they owe him
Speaker 4: a refund. He didn't buy the gun. I mean, you know,
Speaker 4: I'll tell you something. The last used to do this,
Speaker 4: by the way, went to prison. Now he didn't necessarily
Speaker 4: go to prison for that, but it was among many
Speaker 4: things in his gun dealing days that he didn't do right.
Speaker 5: And you might want to remind him that you can't
Speaker 5: keep deposits for guns because that would be wrong.
Speaker 4: Now for the background check, yes, but how much does
Speaker 4: a background check cost?
Speaker 5: Do you think, Uryah? What did they say?
Speaker 12: Uh?
Speaker 6: It was fifty dollars out of the thirteen hundred nearly
Speaker 6: Now you've.
Speaker 5: Been have you been calling them? And what do they say?
Speaker 2: No?
Speaker 5: Or what?
Speaker 6: Uh? So, Well, the customer service was great until the
Speaker 6: refund thing started. They said that they would initiate it.
Speaker 6: Then every time I would follow up because they didn't
Speaker 6: provide a date, they would just nod after the phone
Speaker 6: and I'll leave a voicemail. Then they wouldn't answer, and
Speaker 6: so I would call again and then they would answer
Speaker 6: and say, yeah, we still don't have a date.
Speaker 4: But well, now, now why was your background checked?
Speaker 5: Why why was it rejected?
Speaker 6: I had something on my background that I found out
Speaker 6: that Yeah, I just I have a harassment charge on there.
Speaker 4: Okay, so listen, that was in April, and you what
Speaker 4: was the name of the at the time.
Speaker 5: What was the name of the shop.
Speaker 6: It's called UH Securities Strategic Security Solutions, LLC.
Speaker 5: And it was it was a training program.
Speaker 6: Yes, I went there at the training because I just
Speaker 6: started an armed guard position at the top of the years.
Speaker 5: Okay, do you still have that job?
Speaker 6: I still have that job? Good?
Speaker 4: Now, Strategic Security Solutions, and now when did it start transitioning?
Speaker 6: I don't necessarily have specifications from that, just kind of
Speaker 6: based on my recent research. What's the name now my researchers, Uh,
Speaker 6: I think it's called Mountain States Training Group, Ltd.
Speaker 4: I hope they didn't do some sneaky sale. Yeah, I
Speaker 4: want you to call on this.
Speaker 6: Better Business Bureaus when I found that out.
Speaker 4: Yeah, I want you to, uh Deputy, I want you
Speaker 4: to find out like during the show, let's not wait
Speaker 4: till today till this afternoon. I want to figure out
Speaker 4: what the hell's going on here.
Speaker 5: I'll give them a call. Yeah, there's something, there's something
Speaker 5: wrong here.
Speaker 4: So anyway, you hang on, you Riyah, I mean unless
Speaker 4: the chopper you have everything and we can just move on.
Speaker 5: You'll do that, you can let them go.
Speaker 4: I got it, Okay, Ry we can hang up. I'll
Speaker 4: go to the next call and then we'll call you back. Okay,
Speaker 4: we're gonna do some research on this one and up.
Speaker 5: No problem, man, no problem.
Speaker 4: And speaking of your Riyah, I was I was joking
Speaker 4: about you, Riyah Heap.
Speaker 5: But it's a real group here because I need some please.
Speaker 4: Your Ry Heap stealing. Actually they were not a bad group.
Speaker 4: Let me jump forward here. I wonder where they are now. Okay,
Speaker 4: let's talk to Richard. He has a comment on retirement.
Speaker 4: I've said a lot of people are putting off retirement
Speaker 4: and they're working.
Speaker 5: They enjoy it.
Speaker 4: You know, by the way, when you get to a
Speaker 4: lot of people think this isn't fair, but I think
Speaker 4: you earned it. You should get it social security when
Speaker 4: you reach full retirement age. Why shouldn't you get social
Speaker 4: security even if you're working? Hey, Richard, go ahead, what's
Speaker 4: your comment?
Speaker 6: Hello?
Speaker 8: They have minimmore retirement sixteen. You get a living in
Speaker 8: of money, like three quarter of it. She has seventy
Speaker 8: two to get full print.
Speaker 5: Where where's that?
Speaker 8: Or in Colorado?
Speaker 3: Wait?
Speaker 13: Wait, no, no, no.
Speaker 5: You don't have to be seventy.
Speaker 4: You don't have to be seventy to get full retirement.
Speaker 8: Wait wait, my wife's retired at these seven. They gave
Speaker 8: her a partial No.
Speaker 4: You get full retirement at sixty seven. I don't know
Speaker 4: what you're talking.
Speaker 8: About, because I'm getting, bro, you're.
Speaker 5: Getting wrong information is what you're getting.
Speaker 8: I'm getting I'm going through cancer, prostate cancer, and I'm
Speaker 8: this sable.
Speaker 5: May I ask you something? Hold on a sec hold on,
Speaker 5: hold on, hold on, hold on, man hold on. How
Speaker 5: old was.
Speaker 4: Your wife when she applied for full Social Security for.
Speaker 8: Her sixty two?
Speaker 5: Well, that's not full social security? She okay, Look, you
Speaker 5: said that the full retirement age is seventy.
Speaker 8: Seventy two. They're going to seventy two.
Speaker 5: Okay, no they're not. So how do I tell you
Speaker 5: you're wrong?
Speaker 8: Why you just did?
Speaker 5: How? What year was your wife born?
Speaker 4: And I'm not trying to be a smart aleca I
Speaker 4: want to help you, especially if you have cancer. What
Speaker 4: what year was your wife born fifty six?
Speaker 6: Correct?
Speaker 8: Okay, born in fifty eight.
Speaker 4: Okay, then your retirement, your retirement is at sixty six
Speaker 4: years old. Technically sixty six years old within a few months.
Speaker 4: It's anywhere from two to ten months all or to
Speaker 4: get full To get full retirement, you have to be
Speaker 4: basically sixty six in a few months, both you and
Speaker 4: your wife.
Speaker 8: Because my wife hasn't really work, so you draw enough mine.
Speaker 4: Well, if your wife didn't work enough quarters, then hold on.
Speaker 4: If your wife did not work enough quarters, then she
Speaker 4: could elect to UH to postpone her benefits and they
Speaker 4: would grow by about eight percent a year until seventy
Speaker 4: You can't wait beyond seventy though.
Speaker 6: Yep.
Speaker 8: But that's why we're staying in the job. These people were.
Speaker 5: Coming, Oh are you still working.
Speaker 8: Time part time at the base? Bake three?
Speaker 5: How old are you right now? You were born in
Speaker 5: fifty eight.
Speaker 8: So you're born fifty eight, sixty five, sixty.
Speaker 4: Six October, So you can retire with all your benefits
Speaker 4: next year.
Speaker 8: But because I'm getting the disabled, I think I'm getting
Speaker 8: fool right now now?
Speaker 4: Oh, okay, So are you, But you're still working even
Speaker 4: though you have cancer.
Speaker 8: I'm doing a little bit.
Speaker 14: Yes, what kind of cancer?
Speaker 5: Eage? Shay?
Speaker 8: You had bro Pross States.
Speaker 5: You know they have really good treatment for that. You
Speaker 5: know that, right.
Speaker 8: I've had chemo eight years ago, radiation six months ago.
Speaker 4: Wait a minute, you had it. You had it eight
Speaker 4: years ago. You you had it eight years ago and
Speaker 4: it came back.
Speaker 8: Yes, Well I'm so wise.
Speaker 5: And how's how are you doing? What's uh? How how
Speaker 5: serious is it now? Oh?
Speaker 8: They're good, it's well, it's zerous.
Speaker 5: I wish you the best, man, I wish you the best.
Speaker 8: That it's in there got me on the throwing the
Speaker 8: way down. I keep it down purposely.
Speaker 4: Well, it's going to be down anyway at your age.
Speaker 4: And by the way, I don't want to get into
Speaker 4: this because I want you to do whatever you got
Speaker 4: to do with your doctors. But that's a little bit
Speaker 4: of a myth that testosterone feeds that cancer. I don't
Speaker 4: want to get into it again, you know, because people
Speaker 4: have their thoughts and I'm never going to tell them
Speaker 4: not to listen to their docs. I mean, obviously you
Speaker 4: don't want to be on testosterone treatment right now. But
Speaker 4: the idea that testosterone causes it or feeds it.
Speaker 5: Is just bull crap.
Speaker 4: Mike, you have a comment on that firearms issue, Go ahead, Yeah.
Speaker 13: Tom, you talked about a blast in the past.
Speaker 14: That other gun dealer, not the one that Josiah is
Speaker 14: dealing with.
Speaker 5: But with the one that went to jail.
Speaker 4: Yeah, he's out now. And by the way, the reason
Speaker 4: I didn't mention him is because he did his time.
Speaker 5: You know, I don't want to. I don't want to
Speaker 5: drag his name through the mud, right are you there?
Speaker 13: You know what? What what a turn of events because
Speaker 13: he did not own that gun store and it turns
Speaker 13: out that the ATF alleged that he stayed a couple
Speaker 13: of burglaries and did some money laundering in Florida.
Speaker 5: But well, I don't know.
Speaker 4: But was he actually you know, again, like I said,
Speaker 4: he's not here to defend himself and I don't really
Speaker 4: want to drag his name through the muddy. Did go
Speaker 4: to prison? I mean, come on, But here's what I
Speaker 4: want to know. Was he convicted of all that stuff?
Speaker 13: I believe he was because he was sentenced to seventy
Speaker 13: eight months in prison.
Speaker 4: Yeah, So in any case, like I said, I don't
Speaker 4: know what he's doing now, But like I said, I
Speaker 4: don't think he deserves a life sentence, right, So I
Speaker 4: hope everything is going well for him. And you know,
Speaker 4: like I said, I really wasn't that familiar with the case.
Speaker 4: I know that he didn't like me much, and he
Speaker 4: was good friends at one time with Peter Boyles and
Speaker 4: on a show quite a bit. But like I said,
Speaker 4: it's kind of like you never know the real story,
Speaker 4: you know.
Speaker 5: I mean, I know that he was a controversial figure
Speaker 5: and his show, actually these guys imploded. That show was
Speaker 5: very popular. They all did pretty well on that show,
Speaker 5: So who the hell knows?
Speaker 4: I'm Tom Martino. We have more coming up on the
Speaker 4: Troubleshooter Show. Go with a sure Thing Denver's Best Roofer
Speaker 4: Excel Roofing dot com. You don't pay a cent until
Speaker 4: you're content. Time for an insurance check up free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three oh three,
Speaker 4: seven to seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the Real Estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three oh three nine two zero sixteen twenty two. Hi
Speaker 4: Tom Martino here three O three seven one three talks
Speaker 4: seven one three eight two five five. All right, let's
Speaker 4: keep going. Here we have Lee with a question about
Speaker 4: car insurance. Hi Lee, I'm Tom Martino. What's going on?
Speaker 13: Thank you Tom for taking this call. Yes, sir, I
Speaker 13: took out a loan two months back with a company
Speaker 13: called Landmark.
Speaker 5: And what's the loan for?
Speaker 13: Man, It was three thousand dollars to do some repairs
Speaker 13: on my little two thousand and six Saturn View that
Speaker 13: I bought from a neighbor, So it wasn't considered a
Speaker 13: car loan, not necessarily. What they did, though, was they
Speaker 13: wanted the title because that was going to be the
Speaker 13: part of.
Speaker 5: The security that's called a car loan. Uh huh, okay,
Speaker 5: that's technically a car loan.
Speaker 13: Pay it that way. But here's what happened. Get the
Speaker 13: loan and they say we need to see your insurance card.
Speaker 13: That's well, not a problem, So I got it, showed
Speaker 13: it to them. I have my liability insurance on a
Speaker 13: two thousand and six with Progressive, so at the time
Speaker 13: that we signed.
Speaker 4: The law kind of two thousand and six. What kind
Speaker 4: of car two thousand and six?
Speaker 13: What it's a saturn view?
Speaker 4: Okay, now you needed to have you needed to technically
Speaker 4: have property or collision on that.
Speaker 13: And we'll get to that right now.
Speaker 5: Okay, go ahead.
Speaker 13: What happens? Okay? When we were doing the loans the ladies,
Speaker 13: I says to her, I see you want me to
Speaker 13: take your insurance to cover the car in case something
Speaker 13: happens to it.
Speaker 5: Well, you didn't have to. You didn't have to, you
Speaker 5: could do either one.
Speaker 13: Yeah, now that part you know, of course, not knowing.
Speaker 13: I just wanted to get put in a new clutch,
Speaker 13: do the things I needed. Well, I happened to go ahead,
Speaker 13: and I says, well, you know I can just get
Speaker 13: five hundred dollars or one thousand dollars. We'll just added
Speaker 13: to my progressive. She said, well, we would prefer you
Speaker 13: to take this. Well, so I did. I said, okay,
Speaker 13: I'll take your insurance. I said, now it covers everything,
Speaker 13: just like mine would was progressive.
Speaker 5: Oh yes, oh yes, no, hold on, did you take
Speaker 5: all hold on? Did you keep liabill but that he
Speaker 5: would progressive or did you do all of it? Through them.
Speaker 13: No, I kept my progressive It's always been the same.
Speaker 13: They take that out every month. And then I took
Speaker 13: this insurance policy. I've never seen it or anything.
Speaker 4: I just verbally, I said, because it's not your insurance policy, Lee,
Speaker 4: you misunderstood completely, and let me explain it to you.
Speaker 5: All right, Just let me get right to it.
Speaker 2: Okay.
Speaker 4: That policy that lenders put on you does not cover you.
Speaker 5: It covers the balance of the loan period, right, Okay,
Speaker 5: keep going.
Speaker 13: Okay. So I'm a veteran. I was up at the
Speaker 13: VA on July twentieth, on my way home kind of
Speaker 13: by Loveland and for a birtha. I got caught in
Speaker 13: one of the worst hailstorms. I've been here all my life.
Speaker 13: I know how much hail comes down around here. I
Speaker 13: know about it. So I go down after it beat
Speaker 13: my car so badly, broke windshield this out, and yes,
Speaker 13: he'll drive it down there. So they said, well, here,
Speaker 13: you need to go get a take it to somebody,
Speaker 13: get everything checked, and give me the paperwork. So I
Speaker 13: did all that, turned it all in in this company
Speaker 13: called Securion, that is who their insurance is covered by it.
Speaker 4: But it's only to cover them. So I have a feeling.
Speaker 4: I know what's going to happen, So keep going. What happened?
Speaker 15: Then?
Speaker 13: Okay, I get a letter They said this vehicle was
Speaker 13: not covered because due to frost, cold weather. I'm snow
Speaker 13: or sleep. It is not covered here, even though you're
Speaker 13: paying six hundred whatever dollars. It was they in this
Speaker 13: little letter, it says we have exclusions. If you are
Speaker 13: a single interest vehicle coverage, you don't get covered under this.
Speaker 13: If you're a dude, I've never.
Speaker 5: Seen any of but Lee, Lee, Lee, I'm sorry you didn't, Bro,
Speaker 5: I'm really sorry. But what I'm telling you is this
Speaker 5: that was up to you to demand to see this
Speaker 5: policy you were buying. Were you paying six hundred dollars
Speaker 5: a year for this policy?
Speaker 6: Yeah?
Speaker 4: Okay, Can I explain something. It wasn't a policy for you.
Speaker 4: And the only way that policy is going to pay
Speaker 4: is if that car is no longer of use to you.
Speaker 5: And you stop making payments. It's not going to cover you.
Speaker 5: It covers the lender only you made a mistake by
Speaker 5: buying it. It did not cover you. Okay, But I
Speaker 5: don't know what to tell you. It is what it is.
Speaker 4: There was no policy on anything that happens to that car.
Speaker 4: It's a very limited policy, very limited.
Speaker 13: You see how they were real persistent. Well, this part
Speaker 13: of it, in case something goes.
Speaker 5: On it is no. No, I don't know what they said.
Speaker 4: I don't know what they said if something goes wrong,
Speaker 4: I don't know if they said that.
Speaker 5: Lee. All I know is this, you it was.
Speaker 4: Within your power to say, now, can I see the policy?
Speaker 4: And first of all, you can't have two separate policies
Speaker 4: if you're not allowed to.
Speaker 5: So therefore you had to.
Speaker 4: Have Well, most people would have known that was their policy.
Speaker 4: It wasn't your power. It's not even written to you.
Speaker 4: They just charge you for it. It's called forced insurance.
Speaker 4: And if you would have insisted on getting your own,
Speaker 4: you could have gotten your own.
Speaker 13: You're right there. Yeah, and that's the mistake I made.
Speaker 13: For the few dollars per month, just added to my
Speaker 13: progressive everything would have been taken care of. Progressive would
Speaker 13: have Well, don't.
Speaker 4: Be so fast to say everything would have been taken
Speaker 4: care of on a two thousand and six. Well, on
Speaker 4: a two thousand and six they may have totaled your car.
Speaker 13: Correct, I get that. But yeah, but this other way
Speaker 13: I got no coverage.
Speaker 4: No, that's true, that's true. But but you're right, you're right,
Speaker 4: that's right. But what is it?
Speaker 5: How extensive is the damage?
Speaker 13: Forty seven almost forty eight hundred?
Speaker 5: What's your car? What's your car worth?
Speaker 13: Five thous saying about that much?
Speaker 5: Okay, so you're saying, and how much you owe on
Speaker 5: the loan.
Speaker 13: The same? About five thousand because.
Speaker 4: Okay, so you see, you wouldn't have gotten no matter what.
Speaker 4: Listen carefully, now, had they paid off you, they would
Speaker 4: have told of this car. You would have gotten not
Speaker 4: a red scent, and you would have walked away. Yes,
Speaker 4: so you were all right, So you would prefer to
Speaker 4: walk away and and just surrender the car, because I'm
Speaker 4: sure that they would probably do that.
Speaker 13: Nope, they didn't. Here's what they did. They said, since
Speaker 13: the car isn't worth anything, your loan would be paid
Speaker 13: every month for the rest of the period. Right your title?
Speaker 13: They sent me the title?
Speaker 5: Oh good, okay, So so what these people did now
Speaker 5: that you got a good deal, Actually, they paid off
Speaker 5: your loan and gave you the title. Normally they would
Speaker 5: keep it.
Speaker 13: No, they didn't pay I said, I still owe them
Speaker 13: five thousand dollars.
Speaker 5: They say they would pay off the loan.
Speaker 13: No, not at all.
Speaker 5: No they what did you just you just said? Correct me?
Speaker 4: Hold on, guys, am I going crazy? Or did you
Speaker 4: just say they would continue paying? Or you continue paying?
Speaker 13: I continue paying every month until the loan is paid off.
Speaker 13: They said, here, you can have your title because the
Speaker 13: car isn't worth anything anymore. No, no, no, no, no, no,
Speaker 13: no no, no no the entire.
Speaker 5: No no no no no no no no no no
Speaker 5: no no no that No.
Speaker 4: I'm sorry. They can't double You're right, Lee, they can't
Speaker 4: double dip. I don't know what the hell they have. Well,
Speaker 4: they can't. If they got paid for the loss of
Speaker 4: that car, then it's done.
Speaker 13: Yeah they didn't though. See that's what I'm saying.
Speaker 5: Well, we're gonna call them. We're gonna call them.
Speaker 4: You should be able to walk away from it. If
Speaker 4: you do walk away from it, can you buy another car?
Speaker 13: Well it'll have to wait, you know a little bit,
Speaker 13: so I can get a few funds.
Speaker 5: Well maybe we can. But here's what I'm saying.
Speaker 4: Maybe we negotiate something where you pay for the salvage.
Speaker 13: Yeah, well no, I'm lee.
Speaker 1: Lee.
Speaker 5: Let's say you pay a couple months or a few
Speaker 5: How much you pay every month?
Speaker 13: Oh, it's gonna be this first payment. It's like two
Speaker 13: hundred and twenty four.
Speaker 5: What do you mean this first payment? You've been paying
Speaker 5: on the thing. What do you mean this first payment?
Speaker 5: What do you pay normally?
Speaker 13: See, this is a relative to this, Lee.
Speaker 4: You're not telling me the whole story, and I know
Speaker 4: you're not. Okay, here's what they told you.
Speaker 5: They told you you can pay for the salvage monthly
Speaker 5: and keep the car. That's what they told you, because
Speaker 5: if you had to pay off.
Speaker 4: Five thousand dollars that you owed, you wouldn't have said, well,
Speaker 4: my first payment here is going to be such and such.
Speaker 5: It's not a first payment. So what did they reduce
Speaker 5: your car payment? No?
Speaker 13: Let me, I can't say it any clear. I got
Speaker 13: the letter, I've seen it now, and what you said
Speaker 13: at the very beginning of our conversation is absolutely right.
Speaker 13: What I didn't do was read the policy. Lee.
Speaker 5: I'm asking a simple question. Do they want you to
Speaker 5: pay off the entire five thousand dollars to keep the salvage.
Speaker 13: I've got to pay it off because they said I owed.
Speaker 13: That has nothing new with the car anymore?
Speaker 5: Okay, got I get it, I get it rid of
Speaker 5: the car. Well, they can't do that. So here's what
Speaker 5: they can. Lee.
Speaker 4: If you want to listen to me, just be quiet
Speaker 4: because you know nothing, nothing at all. If the way
Speaker 4: it should be is this, they got paid off, You're
Speaker 4: done that. That insurance was their insurance to your benefit.
Speaker 4: Right now, they have an unsecured loan with you, and
Speaker 4: what they should do is sell you the salvage if
Speaker 4: you want to keep it, and allow you to pay
Speaker 4: it off.
Speaker 5: The salvage value in that car. Well, might I don't know,
Speaker 5: one thousand dollars, maybe I don't know, maybe less, But
Speaker 5: that's what we should negotiate. They should not double dip
Speaker 5: on this damn thing. Did that letter come from the lender, Yes,
Speaker 5: it did not from the insurance company. That insurance company
Speaker 5: made the lender whole. Well, this lender is now trying
Speaker 5: to take advantage of you. What's the name of the lender.
Speaker 13: Well, it's Lendmark.
Speaker 3: Okay.
Speaker 13: I think I really truly believe that there's what I
Speaker 13: paid for, or what I thought I was paying for,
Speaker 13: was coverage that would cover hal And according to all
Speaker 13: lists that I've read, that.
Speaker 4: Part doesn't matter Right now, that part doesn't matter. Lee,
Speaker 4: I'm not going over that again. So it doesn't cover
Speaker 4: hal No matter what you thought, it doesn't matter what
Speaker 4: we think.
Speaker 5: It matters what it is. I have a saying it
Speaker 5: is what it is.
Speaker 4: So I want to help you though, because you should
Speaker 4: not have to pay five thousand dollars for a salvage vehicle.
Speaker 4: Okay that in my opinion, you shouldn't have to pay that,
Speaker 4: And we should have Deputy Dollar call over there and
Speaker 4: talk to these guys and say, look, you've already been
Speaker 4: paid charging for the salvage value. Unless you don't want
Speaker 4: it at all, Lee, you just want to walk away?
Speaker 5: Do you just want to walk away? I recommend you
Speaker 5: take the salvage if it's drivable.
Speaker 13: I've got it and I'm driving it right now, and
Speaker 13: it's got all the dings and stuff in it. It's
Speaker 13: just what it is. They released the title. They says
Speaker 13: that way you can do what you want with it.
Speaker 13: So I'm I guess, But.
Speaker 4: How do they plan on making you pay the five grand?
Speaker 4: How do they plan on making you play the five grand?
Speaker 4: Are they going to repossess the car? They can't. They
Speaker 4: gave it to you, So I don't dollar. Would you
Speaker 4: call them and just see what they have in mind?
Speaker 4: Because this is the queerest, weirdest problem I've heard. Three
Speaker 4: zero three seven one three talks seven one three eight
Speaker 4: two five five. Go with a sure thing Denver's best
Speaker 4: roofer Excel Roofing dot com. You don't pay a cent
Speaker 4: until you're content. Time for an insurance check up free,
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage? A dozen insurance companies find out now three
Speaker 4: all three seven seven to one help. You'll think you're
Speaker 4: his only customer when you choose Frank durand the real
Speaker 4: estate Man dot com to list your home with Remax
Speaker 4: Alliance three oh three nine two zero sixteen twenty two. Hi,
Speaker 4: Tom Martino, you're a troubleshooter three O three seven one
Speaker 4: three talk three oh three seven one three eight two
Speaker 4: five five. So basically, UH, Deputy Chopper called that gun shop?
Speaker 5: What was what did they answer as Chopper? This time
Speaker 5: it was uh?
Speaker 10: I It went to voicemail and he actually called me back.
Speaker 5: Oh okay, and this is uh.
Speaker 4: In April or Euriah paid twelve ninety four for a
Speaker 4: gun and a background check when the gun arrived at
Speaker 4: the store. Uh, he did not pass background check, which
Speaker 4: is wise. The store did this properly. So then the
Speaker 4: gun store was called Strategic Security Solutions, now Mountain States
Speaker 4: Training Group. And basically they should keep the money for
Speaker 4: the background check. But they have no right whatsoever to
Speaker 4: keep the money for the gun, none whatsoever.
Speaker 5: Zero. And you're right, you should start.
Speaker 4: A small claim if he doesn't know it for you,
Speaker 4: if he doesn't refund it. Chopper, did he say he
Speaker 4: would talk to his customer.
Speaker 10: He said he had talked to him this morning, and
Speaker 10: he got upset that the gentleman called the show and
Speaker 10: he wasn't satisfied that he had talked to him this morning.
Speaker 10: He didn't say that he would talk to him again.
Speaker 10: He was very upset that I was talking to him
Speaker 10: about it, and there might be problems.
Speaker 5: We're all we're doing.
Speaker 4: All we're trying to do is help the customer and
Speaker 4: get the information and get the full story.
Speaker 5: That's why we called Mountain State Training Group.
Speaker 4: But people, beware, if this guy can't refund twelve hundred bucks,
Speaker 4: there's a problem. Okay, unless, as I said, he got
Speaker 4: screwed in the crossfire here pun intended, meaning that maybe
Speaker 4: that old shop was sold to the new shop.
Speaker 5: Or was this the same guy?
Speaker 4: You got to ask Rayah if this was the same
Speaker 4: guy that he dealt with before.
Speaker 5: What's that guy's name?
Speaker 4: Because he can't just dissolve an LLC and form another
Speaker 4: one or sell to himself just out of a debt.
Speaker 4: But I would say that we got a problem. Where's
Speaker 4: Mountain State's training group located? For God's sakes, I mean
Speaker 4: for a company not to be able to refund one
Speaker 4: thousand dollars.
Speaker 10: Both of the companies are in the lower downtown Dever
Speaker 10: along the railroad tracks, and the second one would be
Speaker 10: by the old public service supply people around Third La.
Speaker 5: And what's this guy's name?
Speaker 10: His first name is Steve. I don't have the proper spilling.
Speaker 10: I think of his last name, but.
Speaker 5: But how's it pronounced?
Speaker 16: Like ar guard?
Speaker 4: Okay, well, Steve Aragaard or something. I hope you talk
Speaker 4: to your customer or your potential customer.
Speaker 5: He wasn't going to be a customer.
Speaker 4: Mike's got a question on odometers for used cars.
Speaker 5: Mike, go ahead, what's happening?
Speaker 9: Yeah, Tom, I was shopping for used cars for my
Speaker 9: daughter before she went off to college, and I noticed
Speaker 9: something that I think is major fraud when it comes
Speaker 9: to used cars, and it's perpetrated by huh car dealers
Speaker 9: that take trade in and auctions that auction the cars off.
Speaker 5: Tell me what's what's the fraud? What is it?
Speaker 9: Well, cars at are an excellent condition but are high
Speaker 9: miles and don't have a history of odometer reading.
Speaker 15: What I'm what I.
Speaker 6: Was seeing is like they seem to be.
Speaker 9: Rolled back to like the last reading. Like I saw
Speaker 9: cars that showed more use than sixty five thousand miles.
Speaker 9: But when I was looking at carfax or been verified
Speaker 9: for their their history, I was seeing like the last
Speaker 9: inspection and the last odominant reading that was actually registered
Speaker 9: with those domains.
Speaker 13: Does that make sense?
Speaker 4: So hold on, So you actually did a carfax and
Speaker 4: the mileage on the car facts disagreed with the odometer.
Speaker 9: No, what I'm saying is that there's not a lot
Speaker 9: of history of odometer readings when they get serviced in
Speaker 9: a dealership or like Greece, monkey will, We'll send you
Speaker 9: a domeinter reading for every time you get a service
Speaker 9: to certain places.
Speaker 4: So what are you saying? I mean, who's perpetrating the fraud.
Speaker 4: What are you saying, Like, are you saying that these
Speaker 4: deal that get the car to sell, they checked to
Speaker 4: see what the last odometer reading was and they kind
Speaker 4: of just roll it back to near that.
Speaker 9: What I'm saying is like, just let's just say AutoNation
Speaker 9: takes in a high mileage, clean car, but they won't
Speaker 9: put it on their on their lot because it's high mileage.
Speaker 9: So but they don't they don't register the odometer with
Speaker 9: let's just say carbacks before they.
Speaker 13: Auction it off.
Speaker 9: Okay, So now some person takes that trade and they
Speaker 9: know because they did a search on Carfax, got it ontometer?
Speaker 4: No, I get it. No, that's exactly what I was saying.
Speaker 4: So you're saying they research it and they turn it
Speaker 4: back to what they think they can get away with.
Speaker 5: Yes, yes, hold on a second. That that that that's cool.
Speaker 5: Just hold on.
Speaker 4: I mean that that is a very astute observation.
Speaker 5: Now I got to take a.
Speaker 4: Couple of calls, but I would love to talk to
Speaker 4: you about this, but I don't want to keep these
Speaker 4: other people hanging either.
Speaker 5: Hold on, we got more coming right up.
Speaker 4: Go with a sure thing. Denver's Best Rufer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three O three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 5: Hi Tom Martino here. I'm gonna go back to that
Speaker 5: odometer thing later, but I want to talk to Paul.
Speaker 5: He has an issue here. I want to sounds pretty serious.
Speaker 5: Go ahead, Paul. What's happening? Wow, Paul, Paul? Is he
Speaker 5: not there?
Speaker 15: I'm here?
Speaker 5: There you go, man, what's happening?
Speaker 15: Well, we had some work done at our house and
Speaker 15: I didn't agree with the bill, and I told the
Speaker 15: man that and wanted to discuss it with him.
Speaker 5: What kind of work? What kind of work?
Speaker 15: We had a sewer back up into the basement.
Speaker 5: And what kind of work was done? Was this the
Speaker 5: plumbing part of it or was this the clean up
Speaker 5: part of it?
Speaker 15: This was the clean up part of it.
Speaker 5: Oh, okay? Okay.
Speaker 4: And you didn't ask ahead of time an approximate how
Speaker 4: much or anything?
Speaker 15: Yes, I did.
Speaker 5: Okay, who'd you hire?
Speaker 15: I I honestly don't want to say over the air?
Speaker 5: Okay.
Speaker 15: I'm afraid of this gentleman. He's the way he he's
Speaker 15: gone crazy on me.
Speaker 5: No, no, I don't want you to do anything weird. Okay.
Speaker 4: So you hired a cleanup company and then and then,
Speaker 4: but you never asked about price at all.
Speaker 15: I did. And he told me that he'd been in
Speaker 15: business for thirty years and this was approximately thirty five
Speaker 15: hundred to four thousand dollars. I said, well, that seems
Speaker 15: like a lot. On the other hand, I don't know
Speaker 15: anything about it.
Speaker 5: So I don't either. I don't either as far as
Speaker 5: your particular job. But was that including any repairs or
Speaker 5: just clean up?
Speaker 15: Just clean up?
Speaker 5: Okay? About four four grand for cleanup? Okay? So did
Speaker 5: you know your insurance sometimes covers this?
Speaker 3: Right?
Speaker 15: I do?
Speaker 5: And what happened?
Speaker 4: And consulting, now, tell me what happened. I just wanted
Speaker 4: to get those basics. So what happened?
Speaker 15: He sent me a bill for thirteen eighty nine dollars dollars.
Speaker 5: Oh my god, Oh my god, just wait wait agree
Speaker 5: with this just for cleanup?
Speaker 15: Yes, what cleanup?
Speaker 5: I know?
Speaker 4: Does he admit that he said it was going to
Speaker 4: be around four grand?
Speaker 15: He said that was his initial thought.
Speaker 5: Okay, hold on, man, this is e dissit. What hole is?
Speaker 5: Did you say thirteen or fourteen? Wow? I'll come back.
Speaker 5: I think you said thirteen something? Yeah, thirteen wow. More
Speaker 5: coming up on the Troubleshooter Show. We got a lot
Speaker 5: of good stuff right after this.
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three, seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 1: Rid bad news, need advice? Who you don't have?
Speaker 2: Run as we can.
Speaker 1: Shooter's gonna help come.
Speaker 2: This is the Troubleshooter show No Tom Martino, Hi.
Speaker 5: Tom Martino here, Welcome to the show.
Speaker 4: Three oh three seven one three talk seven R two
Speaker 4: five five to my left here, Yes, we're on a
Speaker 4: watch shot. Its Brendan Killian from Denver Shades dot Co.
Speaker 5: Which is made in the shade. Brendan, we have a
Speaker 5: question here about the steps. How many trips they have
Speaker 5: to make to the house. They want to know, can
Speaker 5: you do anything virtually or is it all on a
Speaker 5: visit for window coverings?
Speaker 3: H two trips basic, that's it. Yeah.
Speaker 7: One is for us to come out and we measure,
Speaker 7: measure with a laser so everything's cut to with it.
Speaker 5: And then you have a designer at the same time.
Speaker 7: Yeah, it's the same person show you samples and you know,
Speaker 7: colors and everything from every major company out there.
Speaker 5: And if you decide to go, then it's three weeks
Speaker 5: from there maybe yes, total.
Speaker 7: Three weeks depending on the product and uh. And then
Speaker 7: the last and then the second step is my installer
Speaker 7: comes out, installs them and you don't pay the final
Speaker 7: bill until you're all installed and happy in a reaw
Speaker 7: and you.
Speaker 4: Say there's a rush before the holidays, you'd rather get
Speaker 4: it done sooner.
Speaker 5: Yeah, And you're gonna are you gonna do a sale?
Speaker 7: Yeah, we've got one going on right now, twenty five
Speaker 7: percent off anything we vote you inside or even outdoor
Speaker 7: roller shades and Aunings.
Speaker 4: Denver Shades dot Co sevent to zero four five eight
Speaker 4: six five six six. Now I want to continue with
Speaker 4: Paul this. This is unbelievable to me, Brandon, what would
Speaker 4: you do if that happen? I mean, God almighty. The
Speaker 4: guy says approximately four grand, and he admits that.
Speaker 5: Then he did the cleanup and it was thirteen thousand dollars.
Speaker 5: So tell me what you did? Did you faint when
Speaker 5: you got the bill?
Speaker 15: I should him text saying we need to talk. This
Speaker 15: can't be right. And he called back and said, you
Speaker 15: don't know anything about my business. I know what I'm doing.
Speaker 15: This is what it costs. And so I took his
Speaker 15: bill down to the insurance company.
Speaker 5: And told him to who's your carrier?
Speaker 15: Please? The state farm?
Speaker 5: Now what, let me just ask you? What's your deductible?
Speaker 15: Twenty five hundred?
Speaker 5: So what do you? And I mean this sincerely, what
Speaker 5: do you care?
Speaker 15: Then it's wrong, factually by a tremendous amount. There's work.
Speaker 4: Wait a minute, so you believe you believe he's actually cheating,
Speaker 4: Like he has stuff on there that's not factually.
Speaker 15: Correct, absolutely like what.
Speaker 5: Well?
Speaker 15: Like he claimed to have removed patty, and there is none.
Speaker 15: The carpet was glued down to the.
Speaker 5: Certain Oh my god? What else?
Speaker 15: There was a rug that was on a portion of it,
Speaker 15: and he claimed that it was all the entire square
Speaker 15: feet of it and he only cut out the part
Speaker 15: that was damaged and the rest of it still exists.
Speaker 5: What else?
Speaker 15: He claims that he pulled out all of the glued
Speaker 15: down carpeting and over two hundred and some feet of
Speaker 15: it still exist.
Speaker 5: What else? Let's see, what about drywall? What about drywall?
Speaker 5: Did he say he cut out drywall?
Speaker 15: No, no, nope, nope, this all just the floor.
Speaker 5: What about blowers?
Speaker 15: Yes there was blowers.
Speaker 5: Did he exaggerate how many and how long?
Speaker 15: It's all in there? But it's all all right?
Speaker 5: So you told your insurance not to pay it?
Speaker 15: I did?
Speaker 5: What did they say?
Speaker 15: I never was able to get a call back from
Speaker 15: the adjuster and.
Speaker 5: George, So did they not pay it?
Speaker 15: Explain that situation? No, what they did was send me
Speaker 15: a check for how much what they thought was.
Speaker 5: What did they send it to you for how much?
Speaker 15: Ten thousand?
Speaker 5: Okay, so will he settle for that?
Speaker 15: No he won't. He won't.
Speaker 5: So they're actually paying it in full.
Speaker 15: He wants the whole thing.
Speaker 4: Well, they're paying it in full because there's your deductible.
Speaker 5: On that.
Speaker 15: There was other No, no, no, no, I'm not explaining
Speaker 15: this right.
Speaker 4: They sent you a check for ten grand. How much
Speaker 4: is your deductible?
Speaker 15: I also gave him a thousand dollars the day he started.
Speaker 5: Okay, so how much is your deductible?
Speaker 15: Well, at that point, I guess it would only be
Speaker 15: fifteen hundred.
Speaker 5: You have a twenty five hundred dollars deductible.
Speaker 15: Math doesn't lie on thousand dollars.
Speaker 5: I don't care how much you gave him.
Speaker 4: You have a twenty five hundred dollars deductible plus ten grand.
Speaker 5: They, in their minds are paying that bill in full. Okay,
Speaker 5: that's all I'm saying.
Speaker 4: Your insurance company is doing the right Your insurance company
Speaker 4: is standing behind is doing the right thing. And you
Speaker 4: just don't like the idea that this guy and I
Speaker 4: don't either. So but but but they have paid everything
Speaker 4: they're supposed to pay. I mean, actually more so technically,
Speaker 4: how much do you feel he should be paid. I'm
Speaker 4: just curious out of this, And will you send the
Speaker 4: extra money back to your insurance company because you're supposed
Speaker 4: to You don't get to keep.
Speaker 5: It, you know that?
Speaker 15: Right about that, I talked to him about that and
Speaker 15: told him that I would do that.
Speaker 4: Yeah, well, of course you have to. But this guy's thinking,
Speaker 4: you want to keep the money. I know, see, because
Speaker 4: most homeowners do that, Paul. Most homeowners do that they
Speaker 4: get a check from their insurance company. I'm not talking
Speaker 4: about you now, I'm talking about most people.
Speaker 5: When they get a check from their insurance company.
Speaker 4: They think, how can I screw this contractor and keep
Speaker 4: some up more of that money for myself?
Speaker 15: Okay. The reason I called them and told them that
Speaker 15: it was wrong was because there's the I believe you
Speaker 15: if you willfully no, it says right on there on
Speaker 15: state farms, if you willfully submit a bill that you
Speaker 15: know is fraudulent, you can be held liable.
Speaker 5: No, And I believe you.
Speaker 4: I believe that you are truly that you're not kind
Speaker 4: of profit from this.
Speaker 5: I believe you.
Speaker 15: Okay, right, Well, anyway, they decided to file a lean
Speaker 15: and said that if I don't figh up, they're going
Speaker 15: to foreclothes on his house within four months.
Speaker 5: Okay, and they're absolutely correct, they will have a right
Speaker 5: to do that.
Speaker 15: Okay, how do I answer that?
Speaker 5: Okay, you get in real estate attorney and you dispute
Speaker 5: it and you have to go to court.
Speaker 15: Okay, that's fine. What about this small claims court?
Speaker 11: You're not suing him, He's singas is.
Speaker 15: Just in case of additional security to where you will
Speaker 15: end up with a judgment on your credit and your credit.
Speaker 4: Paul, listen, yeah, there is no small Is he taking
Speaker 4: you to small claims?
Speaker 15: Yes? Oh, additional seventy five hundred dollars additional?
Speaker 5: So what does that mean?
Speaker 4: Wait, on top of the thirteen, On top of the thirteen,
Speaker 4: he wants seventy five hundred more.
Speaker 15: That's correct? Why because he says that I'm I'm trying
Speaker 15: to fraud him, and he wants to says here, small
Speaker 15: claims case is just additional security to where you will
Speaker 15: end up with the judgment on your credit and your
Speaker 15: wife's credit. So now you understand that I'm not playing
Speaker 15: yourself right to scheme? Okay, I know all you're trying
Speaker 15: to do is commit fraud and steal money that belongs
Speaker 15: to us and pay us less. What all we wanted
Speaker 15: to do is get Paul.
Speaker 4: Paul, I'm going to tell you something. He's probably thinking
Speaker 4: that's what you're doing. And if he but if you
Speaker 4: have factual information that he's wrong and that he did
Speaker 4: not do what's on that invoice, are you willing to
Speaker 4: pay him for what he did do?
Speaker 15: Yes?
Speaker 5: And what would that be?
Speaker 15: I don't think it could be worth any more than
Speaker 15: twice what he quoted eight thousand dollars.
Speaker 5: But where are you coming up with that?
Speaker 15: Because if twice what a man in business?
Speaker 4: Okay, Paul, Paul, You're going to lose. Okay, I want
Speaker 4: you to remember the day and the time I told
Speaker 4: you this. You're going to lose, and it's going to
Speaker 4: be devastating for you because you're going to have attorney's
Speaker 4: fees and everything on top of it. I just want
Speaker 4: to tell you I've been through this with homeowners before. Okay,
Speaker 4: did you have a contract before he started work?
Speaker 15: Sure? We did.
Speaker 5: And does it say does it say four thousand dollars? No?
Speaker 4: Okay, then you don't have a contract. Okay, Now, Paul,
Speaker 4: please listen to me. You don't have to do what
Speaker 4: I say, but if you don't, you will lose. You
Speaker 4: will absolutely lose. In the absence of a contract, you
Speaker 4: cannot hold him to a verbal estimate. Okay, you can't
Speaker 4: hold him to it, heh What you can hold him
Speaker 4: to is and.
Speaker 5: He can't hold you to an arbitrary number.
Speaker 4: Okay, So then what is the principle that a judge
Speaker 4: would use. I'm not going to give you legal advice.
Speaker 4: I'm just going to tell you from experience. What what
Speaker 4: do you think the principle is. It's called quantum marrow.
Speaker 12: It don't It's called quantum marrow. It it means, it means,
Speaker 12: means a reasonable sum of money to be paid for
Speaker 12: services rendered and value gotten. Okay, okay, now, so your
Speaker 12: opinion will be will mean nothing, nothing, zero in that argument.
Speaker 5: The only way you have a prayer of.
Speaker 4: Winning is to be honest with an independent expert and
Speaker 4: let them price it out, but not let them know.
Speaker 4: Not let them know because they will have to testify.
Speaker 4: And the first question the plaintiff will ask is did
Speaker 4: he show you the contract?
Speaker 5: Because you have to.
Speaker 4: Let someone give you a blind estimate of value you received,
Speaker 4: not his contract. And if you don't describe. You can
Speaker 4: describe the con track, but no price is with it, okay.
Speaker 5: And then you can.
Speaker 4: Show where you think it differed. And then when you
Speaker 4: get an expert for court, you may have a prayer
Speaker 4: of winning. Because this guy's gonna come in now on
Speaker 4: the small claims court.
Speaker 5: That's punitive.
Speaker 4: And you can tell the judge your honor, he's already
Speaker 4: suing me in regular court. Okay, just you know, just
Speaker 4: tell them. I mean, I don't even know how that
Speaker 4: guy would get a judgment against you. He's already suing
Speaker 4: you in regular court. That thing has no prayer of winning.
Speaker 4: And usually there's arbitration before the small claim. But you
Speaker 4: need to hire an expert and also hire an attorney
Speaker 4: if he forecloses on your house, or.
Speaker 5: You will lose and it will be devastating. I just
Speaker 5: want you to know that I've had a woman.
Speaker 4: I had a woman who was one one hundred percent
Speaker 4: in the right and she lost her home because she
Speaker 4: did not know how to argue the case. You need
Speaker 4: an attorney and you need an expert. And just so
Speaker 4: you know, this sucks, but it's gonna cost.
Speaker 5: You at least five thousand dollars to fight it. Okay,
Speaker 5: just so you know. Now, I know that you don't
Speaker 5: want to hear this.
Speaker 4: But the wisdom in this is to settle with this
Speaker 4: guy if he will settle. But maybe he won't, and
Speaker 4: then you have no choice to fight.
Speaker 5: But so go ahead, let us know how it goes.
Speaker 4: I would call Brad O'Brien O'Brien legal services to start.
Speaker 4: That's where I would call. This is what he does,
Speaker 4: real estate kind of law. He might refer you and
Speaker 4: say you need construction. I don't know, but I think
Speaker 4: you need to fight this or you're gonna lose your home.
Speaker 5: Okay. Now the good news is he doesn't get to
Speaker 5: keep your home.
Speaker 4: He just gets to get paid plus his court costs
Speaker 4: and attorney's fees. You get whatever is left over after
Speaker 4: foreclosing on your home.
Speaker 5: Okay. Any questions, Paul.
Speaker 15: H Yes, is that mister O'Brien in Denver or is
Speaker 15: he in another city?
Speaker 4: He's in Denver, O'Brien, I'm gonna give you the number.
Speaker 4: Here's the number seventies here.
Speaker 15: Anybody, I'm where are you in a different town?
Speaker 5: Where are you?
Speaker 15: Well? Honestly, I think I'm in Collar to Springs.
Speaker 3: Okay.
Speaker 4: Well, Okay, we need to find some I don't know
Speaker 4: anyone offhand down there, but please please get an attorney
Speaker 4: familiar with real estate and leans and hire them and
Speaker 4: tell them the situation. I know you disagree with what
Speaker 4: he did, but it might be wisdom to try to
Speaker 4: settle and that punitive thing with small claims court.
Speaker 5: I don't don't. The guy sounds like a hothead.
Speaker 4: Okay, so if you want us to call him, you know,
Speaker 4: we'll see if he wants to settle. But it doesn't
Speaker 4: sound like you want to. We have more coming up
Speaker 4: on the Troubleshooter Show. Go with a sure Thing Denver's
Speaker 4: Best Roofer Excel Roofing dot com. You don't pay a
Speaker 4: cent until you're content. Time for an insurance check up free,
Speaker 4: no obligation. In comparison, call Compass Insurance. Pay too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three all three seven to seven to one help. You'll
Speaker 4: think you're his only customer when you choose Frank durand
Speaker 4: the real estate Man dot com to list your home
Speaker 4: with Remax Alliance three all three nine two zero sixteen
Speaker 4: twenty two. Hi Tom Martino, you're troubleshooter three O three
Speaker 4: seven to one three talk three O three seven one
Speaker 4: three eight two five five. Welcome to the show. Let's
Speaker 4: go back to the phones.
Speaker 5: That was bad news for that guy.
Speaker 4: But listen, and I didn't forget about this used car thing,
Speaker 4: I swear to God. In fact, I was thinking maybe
Speaker 4: we bring Mike back on the car day. But hold on, Mike,
Speaker 4: I want to try to get to you here, and
Speaker 4: I'm going to take a couple other people here real quick. Here,
Speaker 4: let's go to uh Darren, since we called him Darren,
Speaker 4: Go ahead, What's what's your deal?
Speaker 5: Darren?
Speaker 14: Hi, tom My daughter was involved in a car accident
Speaker 14: though two three months ago, and we've got the vehicle repaired.
Speaker 14: We ran the repair through my uninsured motor vehicle because
Speaker 14: I didn't have the other party's insurance at the time.
Speaker 14: But I've a client.
Speaker 5: Wait a minute, Wait a minute.
Speaker 4: You ran the repair, so you had uninsured property damage.
Speaker 14: Yes, good, And the other party actually has insurance, so
Speaker 14: my insurance is gonna uh what do they call that?
Speaker 5: Subergate and a suburbgate to.
Speaker 14: The other company, other party who is at fault. I'm
Speaker 14: filing a claim for diminished value on my deb Who
Speaker 14: are you filing it against Peaking insurance, which is the
Speaker 14: at fault party's insurance.
Speaker 15: Okay, good?
Speaker 14: Yeah, And I sent this to them and they are
Speaker 14: responding stating that they cannot process the diminished value until
Speaker 14: they have counted for all damage, just to all vehicles involved,
Speaker 14: to make sure the property limits are not going to
Speaker 14: be reached.
Speaker 5: Yeah, thank you.
Speaker 14: That they're telling me is if he's got fifty thousand
Speaker 14: dollars worth of limit and it's sixty thousand dollars worth
Speaker 14: of property damage, I'm out, Darren.
Speaker 4: Here's what I want you to do. This is this
Speaker 4: is really important. Okay, I want you to listen. This
Speaker 4: is really important, and this is this is a thing
Speaker 4: that John Fuller brings.
Speaker 5: Up all the time.
Speaker 4: In fact, can you see if John's available real quick here,
Speaker 4: because I want to ask him what he does in
Speaker 4: these cases for pain and suffering. Be happy it's not
Speaker 4: pain and suffering. I'm going to tell you about property damage.
Speaker 4: Then I'm going to ask Fuller about pain and suffering
Speaker 4: for those who might run across this for pain and suffering.
Speaker 4: So Kachino while i'm talking, if you can get Fuller on.
Speaker 4: But Darren, here's what happens, and this is what sucks
Speaker 4: with state minimums. Okay, if this guy has a state
Speaker 4: minimum or any kind of coverage whatever he has, there's
Speaker 4: a saying you ensure for what you're worth. And do
Speaker 4: you know why they say that, Darren, Because go ahead.
Speaker 14: If they're worth zero, they can ensurve for zero pretty.
Speaker 6: Much we have.
Speaker 2: Yeah.
Speaker 4: So but if there worth ten million and they have
Speaker 4: state minimum insurance, you're going to turn down the state
Speaker 4: minimum insurance and you're going to go after them personally.
Speaker 3: Right.
Speaker 4: So that's why people who have more money must ensure
Speaker 4: for more money, because you want to keep people from
Speaker 4: coming after you. So it has to be a big
Speaker 4: enough carrot on a stick where they won't come after you.
Speaker 5: People do not understand that.
Speaker 4: So now, when you have a low net worth person, okay,
Speaker 4: and you so, if you have a low net worth
Speaker 4: person who has state minimums, let's say his total what
Speaker 4: is the total liability that they have.
Speaker 5: Let's just talk real.
Speaker 14: I don't know they have all right, let's say it.
Speaker 4: Let's say it's fifty okay, And if this person caused
Speaker 4: the damage to all of the cars and they're all
Speaker 4: going to put in a claim, right, correct, They're going
Speaker 4: to proportionately meet out the claims for property damage first. Okay,
Speaker 4: then if there's money left over, then they'll take into
Speaker 4: consideration your diminished value.
Speaker 14: Okay, but I'm going to tell.
Speaker 5: You hold on. You may not you may not even
Speaker 5: get your property damage.
Speaker 4: Let's say let's say the repairs on your car are
Speaker 4: ten grand.
Speaker 5: And the repairs on the other cars are ten.
Speaker 4: Grand, and he has fifty thousand, Well I'm getting Let's
Speaker 4: say he has twenty five.
Speaker 5: Thousand or whatever it is.
Speaker 4: What I'm saying is, let's say there's not enough to
Speaker 4: pay for everyone's repairs. There are situations in this state,
Speaker 4: or in many states, where you could technically be paid
Speaker 4: three or four thousand on a ten thousand dollars property
Speaker 4: damage claim, and you you would say, well, that's not fair.
Speaker 4: How can I not be covered for the damage the
Speaker 4: other party caused?
Speaker 5: Right?
Speaker 15: Correct?
Speaker 4: Well, the answer is because they don't have enough insurance. So,
Speaker 4: no matter how devastating your property damage, if the guy
Speaker 4: doesn't have the coverage, you don't get paid, not from
Speaker 4: the insurance company.
Speaker 5: You don't.
Speaker 4: So now you have the So now you have the
Speaker 4: option of going after some deadbeat who makes twenty five
Speaker 4: grand a year. All right, so you could you could
Speaker 4: literally get a judgment for the rest of your damages.
Speaker 4: Let's say you get a judgment for the full twenty
Speaker 4: five thousand dollars in damages to your car.
Speaker 5: How are you going to collect it?
Speaker 14: Yeah, it's like trying to get blood from a tournament.
Speaker 5: So therefore, you just spent five, six, seven, eight thousand
Speaker 5: dollars to get a judgment that you'll never collect. So
Speaker 5: now that's property damage. I want to ask John Fuller
Speaker 5: Fuller Law, he does personal injury. John, in a multiple
Speaker 5: car accident where one car is primarily at fault, whether
Speaker 5: it's a traffic accident or a guy mulling in pedestrians,
Speaker 5: When you have a guy that is underinsured totally, how
Speaker 5: do they meet out the pain and suffering claims?
Speaker 15: Yeah?
Speaker 6: Good question.
Speaker 16: How many vehicles were involved?
Speaker 5: No, in this case, there was no personal injury, I
Speaker 5: don't think.
Speaker 4: But let what I said was, I will talk about
Speaker 4: property damage, but when it comes to personal injury, it's.
Speaker 5: Devastating for people. Explain how that can happen.
Speaker 16: Okay, So in a hypothetical accident, let's say we have
Speaker 16: you know, four or five or even more people injured.
Speaker 16: So if you look at your insurance policy, our insurance
Speaker 16: coverages are expressed normally with two numbers, So as an example,
Speaker 16: on the lower end, it'll say twenty five slash fifty
Speaker 16: And what that means is that no one person can
Speaker 16: get more than twenty five thousand, and no one accident
Speaker 16: can can you know, eat up more than fifty thousand
Speaker 16: dollars in coverage. So as long as you only have
Speaker 16: two people, you're fine. Each party could get up to
Speaker 16: the maximum coverage of the twenty five thousand. But the
Speaker 16: moment you have a third party that's injured, then all
Speaker 16: of a sudden, your twenty five thousand and your fifty
Speaker 16: thousand cap don't really do you a lot of good
Speaker 16: because now we're looking at how to divide fifty thousand
Speaker 16: into potentially three people. So let's say that that's you know,
Speaker 16: eighteen thousand and a change to you know, to each
Speaker 16: party or you know whatever, sixteen.
Speaker 4: Sometimes it's even worse, John, Sometimes you could have somebody
Speaker 4: with life stabilitating injuries and they get pennies.
Speaker 13: Yeah, I'm going there.
Speaker 16: So the next step is that we have to fall
Speaker 16: back on our own uninsured motorist coverage that stacks literally
Speaker 16: on top of what the other guy has. So even
Speaker 16: if you split the other guy's coverage fifteen different ways,
Speaker 16: the moment that you've exhausted that coverage, whether you've got
Speaker 16: five dollars of it or the full fifty or twenty
Speaker 16: five thousand of it, we then looked to your UM coverage.
Speaker 16: And that's why I stress every time I'm on the
Speaker 16: radio about the importance of M because it's the only
Speaker 16: coverage that you can buy that is only going to
Speaker 16: benefit you and your family. But your UM will never
Speaker 16: cover that second car, or that third car, or that
Speaker 16: fourth car.
Speaker 4: Now, what about property damage, though? Can is that he
Speaker 4: has uninsured property damage?
Speaker 16: He said that that sacks right on top of the
Speaker 16: fifteen thousand dollars state minimum that our legislature decided to
Speaker 16: put into place, like twenty years ago, when you could
Speaker 16: buy a car for fifteen or twenty thousand.
Speaker 4: But I'm wondering, do you think he can get diminished
Speaker 4: value as part of that underinsured property damage?
Speaker 14: Of course you do.
Speaker 16: You have comprehension as well, Yes, yeah, of course you can.
Speaker 16: You're just going to have to make a claim for
Speaker 16: the for the diminished value you're going to make a
Speaker 16: claim for the property damage itself, and then you're kind
Speaker 16: of going to make a second claim for the diminished value,
Speaker 16: and you could do that against your insurance company.
Speaker 6: More than likely.
Speaker 16: The diminished value portion would go onto the comprehensive portion
Speaker 16: and the rest of it would go under the uninsured mode.
Speaker 4: And that's Darren if he doesn't have enough insurance to cover.
Speaker 6: You, right.
Speaker 14: Only if they come back and say they don't have enough, right.
Speaker 4: You got to do it out of lock, right then
Speaker 4: you got to go with your own That's why you
Speaker 4: have that.
Speaker 14: My main question was is so it sounds like all
Speaker 14: the property damage has to be paid before they'll even
Speaker 14: look at the diminished value. It just doesn't go in
Speaker 14: as claim one, claim two, my diminished value Claim three,
Speaker 14: Claim four, Claim five, and they pay him plaim one two, three,
Speaker 14: four five.
Speaker 4: It looks like they are trying to divide up for
Speaker 4: the actual property damage first before they dole out any
Speaker 4: diminished value.
Speaker 5: That's the party at fault.
Speaker 16: Yeah, and I'm sure that they do. But the reality is,
Speaker 16: you know, once they've exhausted that coverage, you know, you
Speaker 16: got to think about it. Diminished value only comes into play.
Speaker 16: On vehicle that's been repaired. So if the car happened
Speaker 16: to be a total loss, we don't get to deal
Speaker 16: with diminished value. It's just a you know, the value
Speaker 16: is so tuned into the total loss. So we're just
Speaker 16: dealing with you know, we're the vehicles that have been repired,
Speaker 16: and once they've been repaired, then we can assess or
Speaker 16: assess what the diminished valran.
Speaker 4: Thank you, John John Fuller. If you need information like this,
Speaker 4: that's what he's there for. Plus he can help you
Speaker 4: with any personal injury claim. He consults you free of charge,
Speaker 4: and he works on a percentage fee basis three oh three,
Speaker 4: five nine seven forty five hundred. Go with a sure
Speaker 4: thing Denver's Best Roofer Excel Roofing dot com. You don't
Speaker 4: pay a cent until you're content. Time for an insurance
Speaker 4: checkup free, no obligation. In comparison, call Compass Insurance paying
Speaker 4: too much your coverage at dozens of insurance companies find
Speaker 4: out now three oh three, seven to seven to one help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: Durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty.
Speaker 5: Two, Tom Martino, you're a troubleshooter.
Speaker 4: Three oh three seven one three talk seven one three
Speaker 4: eight two five five Lisa, Sorry you had to wait.
Speaker 4: You have an issue with a mortgage company, and I'm
Speaker 4: so hoping we can help you.
Speaker 11: What's going on me too? Okay, my daughter bought a
Speaker 11: condo in twenty February twenty twenty one. I'm the co signer,
Speaker 11: which is why I'm calling.
Speaker 5: Okay.
Speaker 4: So, by the way, being a co signer is basically,
Speaker 4: you know, it's it's a it's a mild term.
Speaker 5: You're you are actually on the loan with her, Okay, right.
Speaker 11: Exactly exactly, And she's a teacher, so she can't call her.
Speaker 15: In the day.
Speaker 5: Okay.
Speaker 11: So that was February twenty one. In May of twenty two,
Speaker 11: and that's this year, right, No, So well, in February
Speaker 11: twenty one, she bought the.
Speaker 4: Condo February of twenty twenty one, got it.
Speaker 15: Right, twenty one.
Speaker 11: The lender was United Wholesale. So over a year later,
Speaker 11: May of twenty two, United Wholesale sold the loan to
Speaker 11: Flagstar Bank. Okay, so my daughter starts paying Flagstar Bank,
Speaker 11: same amount the taxes and insurance continued to be pulled
Speaker 11: out of her payment and were sent to the insurance company.
Speaker 13: Safeco Insurance got it.
Speaker 11: Several months went by. Everything's fine, no notices, no change upper,
Speaker 11: higher or lower of payment whatever. In April of twenty three,
Speaker 11: a Safec sends a notice to the original mortgage company,
Speaker 11: Wholesale Mortgage or United Wholesale that they haven't received a payment.
Speaker 5: Then how long and how long?
Speaker 6: Well?
Speaker 11: I think what happened was the insurance came up for
Speaker 11: renewal and instead of safe Co recognizing that they've been
Speaker 11: getting payments from Flagstar, which they have for like nine months,
Speaker 11: I get it, they went back to the original mortgage company, who,
Speaker 11: of course did nothing about it, right right.
Speaker 5: Yeah, so did the insurance lapse.
Speaker 11: The insurance lapsed, and the new mortgage company, Flagstar, reached
Speaker 11: out to safe Co Insurance, and we have some cryptic
Speaker 11: documentation that that happened, but there was no follow up
Speaker 11: on the part of either Safeco or flag Stars. So
Speaker 11: basically left my daughter and myself without homeowners insurance for oh.
Speaker 8: I'd say about you.
Speaker 11: And then in August of twenty three, there's a hailstorm
Speaker 11: and there's damage to the condo. So, oh my god,
Speaker 11: in April of April of twenty four.
Speaker 4: Wait wait, wait, what kind of damage though in a condo?
Speaker 4: What kind of damage does hail cause.
Speaker 11: To a conail damage roof the roof?
Speaker 4: Yeah, but but hold on, hold on, but you have
Speaker 4: eight that's paid through the condo HOA. Usually, usually your
Speaker 4: individual insurance doesn't cover that.
Speaker 5: Is this a town home or a condo?
Speaker 11: It's a condo, but they don't know.
Speaker 4: I'm just telling you roof doesn't work. Here's how roof
Speaker 4: works in a condo. You guys pay HOA fees, which
Speaker 4: goes towards your condo. The only thing you have to
Speaker 4: kick in is if there's not enough coverage from the condo.
Speaker 4: From the HOA, each unit is assessed their portion.
Speaker 11: I think that's what they're saying.
Speaker 5: Okay, but here's what I'm telling you.
Speaker 4: If if you were assessed a portion, your insurance would
Speaker 4: not have covered that anyway, unless you had assessment coverage,
Speaker 4: because you don't carry roof coverage as a condo.
Speaker 11: She had assessment coverage.
Speaker 4: Okay, got it? And how much was the assessment?
Speaker 11: The assessment was ninety five hundred minus. She had one
Speaker 11: thousand dollars deductible.
Speaker 4: Now did anyone step forward to pay the eighty five hundred.
Speaker 11: They're allowing her to make monthly payments?
Speaker 4: Okay, so hold on, So this insurance lapsed. Was she
Speaker 4: ever notified by mail her?
Speaker 5: Not anyone else? Was she ever notified? No, this is
Speaker 5: a weird situation here, Lisa, is because you guys were
Speaker 5: never notified.
Speaker 4: Safe Co Insurance reached out to Flag to the original
Speaker 4: lender and the original lender, and you never said who
Speaker 4: the original lender.
Speaker 11: Was was United Wholesale.
Speaker 5: Oh wait, you're right.
Speaker 4: Okay, Now here's here's what I want to know. And
Speaker 4: I never heard of unitedho.
Speaker 5: But that original, that original, that original.
Speaker 4: Lender, United Wholesale had no responsibility to do anything. So
Speaker 4: they're out of it. But here's what I don't understand.
Speaker 4: If you were making monthly payments out of escrow anyway,
Speaker 4: why did the insurance laps?
Speaker 11: Because Flagstar was saying said that they didn't know who
Speaker 11: to send the money to.
Speaker 5: What do you mean you mean?
Speaker 4: So Flagstar never paid ever since May of twenty twenty two,
Speaker 4: they never paid that insurance.
Speaker 11: No, since they paid it until they paid it when
Speaker 11: the mortgage was originally sold, and then when Safe Co
Speaker 11: when her annual homeowners insurance whatever came do they canceled
Speaker 11: her policy. So at that point flagstart.
Speaker 4: But why did they cancel her policy if she was
Speaker 4: making payments? Hold on a second, hold on this, Lisa,
Speaker 4: You guys have a serious problem.
Speaker 5: We may have to call you back after.
Speaker 4: We get Compass on after the after one o'clock. I
Speaker 4: don't want you to hold for ten to fifteen minutes.
Speaker 4: We need to get Compass Insurance on to talk about this.
Speaker 4: Compass is not involved, but they are.
Speaker 5: My insurance experts.
Speaker 4: Hold on three oh three seven one three talks seven
Speaker 4: one three A two five five. Go with a sure
Speaker 4: thing Denver's best roofer Excel Roofing dot com. You don't
Speaker 4: pay a cent until you're content. Time for an insurance
Speaker 4: checkup free, no obligation. In comparison, call Compass Insurance paying
Speaker 4: too much your coverage at dozens of insurance companies find
Speaker 4: out now three oh three seven seven to one help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two.
Speaker 5: Hi, Tom Marks, you know you're a troubleshooter.
Speaker 4: Brian Burns really quickly, I want to ask you somewhere,
Speaker 4: running out of time, but I want to bring you
Speaker 4: back after the break. Okay, if you have an insurance
Speaker 4: policy and you're paying on it through your escrow, and
Speaker 4: the insurance company contacts your original lender, not the current
Speaker 4: servicing company but the a Nope, part of your own,
Speaker 4: they just they instead of contacting the current lender, they
Speaker 4: went to the previous lender who had sold the loan
Speaker 4: and said the policy is coming up for renewal. That
Speaker 4: original lender ignored it since they no longer had that loan,
Speaker 4: so the insurance lapsed. The current lender had no idea,
Speaker 4: She had no idea, she was never notified by safe
Speaker 4: Code directly.
Speaker 5: Do you and then they had a loss?
Speaker 4: Do you think there's some rejo just quick answer, a
Speaker 4: responsibility somewhere other than the consumer.
Speaker 17: Doubtful And I can explain, Oh doubtful.
Speaker 4: Okay, we need to talk about that coming up. I'm
Speaker 4: Tom Martino. Stay tuned, Lisa plus Bill has a question.
Speaker 5: On appleside er vinegar.
Speaker 4: What go with a sure thing? Best roofer excel roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Three time for an insurance check up free, no obligation.
Speaker 4: Comparison call Compass Insurance. Pay too much your coverage at
Speaker 4: dozens of insurance companies find out now three oh three
Speaker 4: seven seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the Real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: all three nine two zero sixteen twenty two.
Speaker 5: Yeah, RIPPD News.
Speaker 11: You don't have.
Speaker 1: Run anxious asta as you can. Shooter's gonna help.
Speaker 2: Come man, this is the Troubleshooter Show.
Speaker 4: Now, Tom Martino, Okay, Tom Martino here, Welcome to the show.
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Speaker 5: So let's talk.
Speaker 4: I have Brian burns On. He's with the Compass Insurance Group.
Speaker 4: They do free insurance checkups to make sure you're not overinsured, underinsured,
Speaker 4: to make sure you're not.
Speaker 5: Paying too much. Now they tell you if you have
Speaker 5: a great deal too, they don't try to change you.
Speaker 5: That's three of three nine ninety six nine.
Speaker 4: Now Brian's not involved in this particular case. But Lisa
Speaker 4: has a condo insured through Safeco and what happened was
Speaker 4: the loan was sold from lender one to lender two
Speaker 4: when safe Co insurance and they were faithfully paying through Escro.
Speaker 4: When Safego insurance came up for renewal, they sent a
Speaker 4: notice to lender one neglected to send a notice to
Speaker 4: lender two, so lender one did nothing, did not notify.
Speaker 5: Lender two did nothing.
Speaker 4: Lender two did not renew because they didn't renew and
Speaker 4: the consumer didn't know it was up, so the consumer
Speaker 4: did nothing.
Speaker 5: The condo owner. So now you have a situation.
Speaker 4: Where safe Co lapsed or canceled or terminated the insurance.
Speaker 5: But really what's weird is no one got notice of it.
Speaker 4: According to everyone involved, the first lender got noticed, the
Speaker 4: second lender did not, and Lisa says she never got
Speaker 4: notified the insurance was lapsed. So they sat there without
Speaker 4: insurance from August or no, no, not from August, from April,
Speaker 4: and then in.
Speaker 5: August there was a hailstorm.
Speaker 4: And now she's facing an assessment that no one will
Speaker 4: pay for. And she did have assessment coverage before.
Speaker 5: What do you do with that? Brian? But first of all, Lisa,
Speaker 5: is all of that correct?
Speaker 11: It is correct. I will add though, that mortgage lender
Speaker 11: number two, Flagstar, did reach out to Safeco. We have
Speaker 11: documentations shown when called them, let's see in February.
Speaker 5: No, you know that'd mean nothing to us. Here's what
Speaker 5: I need to know. Did they reach out to Safeco
Speaker 5: before it was expired and lapsed?
Speaker 8: Yes?
Speaker 5: Why they knew what was coming up?
Speaker 11: Well, I don't know do mortgage companies, you know, don't
Speaker 11: they need like an.
Speaker 5: Annual you know what? So when they notified?
Speaker 4: Okay, so when they reached out to Safeco, what happened.
Speaker 11: Nothing.
Speaker 5: They have a record of reaching out to Safeco.
Speaker 11: They have a record of calling Safeco or they have
Speaker 11: a name, they have a record of faxing something to
Speaker 11: safe co.
Speaker 18: I don't know what that was.
Speaker 11: Apparently nothing became of that, and there was no follow
Speaker 11: up on the part of Flagstar. So Safeco stopped getting
Speaker 11: payments and then that's when they terminated the insurance.
Speaker 5: Why. I don't understand this though.
Speaker 4: Why did the lenders stop making payments if you and
Speaker 4: your daughter were still making the payments?
Speaker 11: We don't know.
Speaker 4: Okay, Brian, what do you make of all of Yes, Okay,
Speaker 4: let Brian interpret this.
Speaker 17: Okay, this is not that abnormal an event. What happens
Speaker 17: is the mortgage company and this is one of the
Speaker 17: problems of ASCRO And I know it's kind of a
Speaker 17: necessary evil for a lot of us that you know,
Speaker 17: you're required by the loan company a lot of times
Speaker 17: to have it the insurance tess road. But to Lisa's point,
Speaker 17: she's still making the payments because it's part of her
Speaker 17: monthly payment, but she has to rely on her mortgage
Speaker 17: company to pay her insurance and for the insurance and
Speaker 17: the mortgage company to communicate. So I do understand the
Speaker 17: problem there. But whenever a mortgage company is sold off
Speaker 17: or change, they don't notify the insurance company notify Usually
Speaker 17: the person the actual loanholder, like, were you notified that
Speaker 17: your loan got transferred to Flagstar.
Speaker 11: No, but we figured it out because eventually, you know,
Speaker 11: my daughter was making monthly payments and she had to start.
Speaker 11: I mean UWM wouldn't take her payments anymore because they
Speaker 11: sold their mortgage, and so she started live start and
Speaker 11: that all continues to her insurance was paid or taxes
Speaker 11: were paid. But no, we did not get a letter.
Speaker 14: They should have.
Speaker 17: I mean, I think they almost have to. And maybe
Speaker 17: and this is starting to sound like it's kind of
Speaker 17: a consistent problem here, because here's what I was trying.
Speaker 17: Whenever you went to break I said, doubtful. Here's the
Speaker 17: reason why it's up to an insured to inform the
Speaker 17: agent or in this case safego. I don't know if
Speaker 17: you have an agent whatever to inform them of a
Speaker 17: new mortgage company that they can then update the policy
Speaker 17: so that it bills to the correct company, because otherwise
Speaker 17: we wouldn't know, I wouldn't have a clue that your
Speaker 17: loan sold, so you wouldn't need to your agent who
Speaker 17: could then update the policy or contact safe could directly
Speaker 17: and do it. But then also the reason I also
Speaker 17: is that in the policy language of any homeowner policy,
Speaker 17: any kind of condo policy, it's going to say that
Speaker 17: they have to uh to let you know in writing
Speaker 17: that a cancelation takes place, but it states there the
Speaker 17: only the only proof they have to have is that
Speaker 17: they have proof of first class mailing. So in other words,
Speaker 17: they just have to prove they mailed it out.
Speaker 5: What if they can't prove it?
Speaker 4: Lisa, is it possible your daughter did not look?
Speaker 11: I mean, I guess anything's possible. But wouldn't I have,
Speaker 11: as the co signer, gotten the same ladder.
Speaker 17: No, it's just they were seeming sure it is. It's
Speaker 17: it's the name shirt on the policy wherever all the
Speaker 17: documents go. And what I guess I'm telling you is
Speaker 17: I would absolutely hold their feet to the fire and say, hey,
Speaker 17: give me proof that you send up this cancelation.
Speaker 5: Lisa, you got to do that. You got to tell
Speaker 5: that you were never noted fight of a lapse.
Speaker 11: When we go to Safeco, they tell us to go
Speaker 11: to Flagstar. When we go to Flagstar, they tell us
Speaker 11: to go to Safeco. They won't Okay, okay, hold on
Speaker 11: how much our account? You know how you have like
Speaker 11: a document section in your account. There's no document.
Speaker 4: Okay, even here's what I would recommend you do. Here's
Speaker 4: what I recommend. The limit of small claims court is
Speaker 4: seventy five hundred. Do you have an insurance agent?
Speaker 2: Yes?
Speaker 11: And just to add here, she wasn't notified of any
Speaker 11: of these.
Speaker 5: Well, these communications tough.
Speaker 4: If she was your agent of record, I would sue
Speaker 4: both her and Safeco.
Speaker 5: It's not your mortgage company's problem. They reached out to
Speaker 5: see now.
Speaker 11: They collected the money even though they will continued to
Speaker 11: collect money for a year and didn't question who to
Speaker 11: send the money to.
Speaker 5: You said they reached out to say you said.
Speaker 18: They did, but.
Speaker 6: I did.
Speaker 13: I just hold on.
Speaker 4: So if SAFEG did not respond, wait, if SAFEG did
Speaker 4: not respond, I don't understand. Normally an insurance company if
Speaker 4: they're not insured.
Speaker 5: If that mortgage company was not insured.
Speaker 4: They would have pushed put forced insurance on you for
Speaker 4: that long of time, right, Well, was forced insurance put
Speaker 4: on you?
Speaker 13: No?
Speaker 17: No, and it wouldn't have loss assessment coverage, so it
Speaker 17: really wouldn't help you in this matter. They wouldn't have
Speaker 17: to carry loss assessment and forced place is usually for
Speaker 17: a hometown, not condos because the HOA has has a
Speaker 17: policy for the exterior, which is really what the mortgage
Speaker 17: company cares about. But my point is it's a simple
Speaker 17: conversation to say, I'm not asking for I can't just
Speaker 17: say one at All you need to say is I
Speaker 17: need proof that you sent me cancelation.
Speaker 5: Your agent, your agent, Lisa, your agent needs to do
Speaker 5: it for you.
Speaker 15: Right.
Speaker 11: She tried, she escalated it. Her manager said, sorry, we
Speaker 11: can't help you. So how do I get these two companies.
Speaker 5: To knock to one? First of all, First of all, Lisa,
Speaker 5: you need to you need to hear us because you're
Speaker 5: not listening.
Speaker 18: Okay.
Speaker 5: The only company that you need to deal with is
Speaker 5: Safe is Safe Co. Okay.
Speaker 4: Those guys are the ones that must prove to you
Speaker 4: that they sent out a notice of laps.
Speaker 5: Okay, they're the only ones, not your mortgage company after you.
Speaker 4: If in fact, you got a notice of laps, you
Speaker 4: got a problem. If you did not get a notice
Speaker 4: of laps, then they got a problem. That's where we start.
Speaker 4: We're not gonna drop it. We're gonna start there. So
Speaker 4: if your agent, and this is what you tell your agent,
Speaker 4: if she cannot get you proof or admit there is
Speaker 4: no proof you are suing your agent for the amount.
Speaker 5: Are you friends with this agent?
Speaker 11: I wouldn't say friends.
Speaker 4: Well, it sounds like you're being soft on her because
Speaker 4: this agent dropped the frickin' ball.
Speaker 17: And if you're getting absolutely nowhere with your current agent,
Speaker 17: give her my number. I will contact Safeco. I'm not
Speaker 17: the agent of records, so they don't have to no.
Speaker 5: But you should, Lisa immediately change. You should immediately change
Speaker 5: the agent of record, by the way, immediately, and I
Speaker 5: would call Compass. I'm not kidding you. This is bs
Speaker 5: the way your agent has washed her hands.
Speaker 6: Of this US.
Speaker 5: What's the name of the agency, I'm curious.
Speaker 11: It's it's safe Coo pine Cone, pine Cone.
Speaker 4: Yeah, safecoat pine Cone. Where are they locating you?
Speaker 11: They are in I want to say, like evergreen.
Speaker 5: Color Safeco pine Co. Have you ever heard of it?
Speaker 11: I think they were probably the least expensive.
Speaker 17: Maybe it's just pine Cone insurance. I don't know. I
Speaker 17: don't know, but I'm just saying either way, if you're
Speaker 17: not getting anywhere, give her my number, and I'll need
Speaker 17: the pulse number and I will try to push up them.
Speaker 17: It's not an unreasonable request to say, I need person.
Speaker 17: It was since but I am, I'd be shocked if
Speaker 17: they can't provide.
Speaker 13: That, okay.
Speaker 4: And if they can, your daughter made a very expensive mistake.
Speaker 4: Pine Cone Insurance in Evergreen, Well, okay, and if you
Speaker 4: see the damn pictures here there there are a bunch
Speaker 4: of yokes. Honest to God. Look at the owner sitting
Speaker 4: there with a freaking a big cock. I'm a chicken,
Speaker 4: you know. I say that because the red thing and
Speaker 4: then the other guy's sitting there with his dogs. I mean,
Speaker 4: come on, you people, these come on. This is a
Speaker 4: yokam age of yokels. They're freaking yokels. And then and
Speaker 4: then the real pine Cone is their guard rooster.
Speaker 5: That's what She's there with a rooster. I should have said,
Speaker 5: I'm sorry. So listen, the thing is.
Speaker 13: They're there.
Speaker 5: They're jokes. This agency is a joke. Look at him.
Speaker 5: Call it. Listen, call your agent, Okay.
Speaker 4: Just start start getting upset about this, Lisa, and.
Speaker 5: Tell her we're involved and we can help you.
Speaker 4: And and Compass is even volunteering, for God's sakes to.
Speaker 5: Call for you. And you know what you ought to do.
Speaker 4: Call her now and say I want to change my
Speaker 4: agency of record.
Speaker 5: Now. By the way, Brian's not doing that, so they
Speaker 5: can't they can't blame him for pirrating. I'm doing it.
Speaker 5: I'm saying you're not being served.
Speaker 4: We got more coming up on the Troubleshooter Show three
Speaker 4: o three seven one three eight two five five.
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Speaker 4: choose Frank durand the real estate man dot com to
Speaker 4: list your home with Remax Alliance three three nine two
Speaker 4: zero sixteen twenty two. Hi Tom Martino here, Bill. I'm
Speaker 4: so sorry for the weight.
Speaker 5: What's going on?
Speaker 19: That's that's all right. Hey, I'm just wondering if any
Speaker 19: of the listeners have heard of any of the health
Speaker 19: benefits of using apple side of vinegar.
Speaker 5: Yes, I have. What do you want to know?
Speaker 3: What have you heard?
Speaker 19: We'll see to help your kidneys and stuff like that.
Speaker 19: Help clean stuff up.
Speaker 4: Now you don't take it straight. You should put it
Speaker 4: in water right now. It's the acid. Okay, it can help.
Speaker 5: Here's what it does. First of all, the.
Speaker 4: Apple cider vinegar can actually lower blood sugar.
Speaker 5: Did you know that?
Speaker 6: No?
Speaker 5: Yeah, it actually can. It's a natural blood sugar lowerer.
Speaker 5: So it holds to take it, Oh, not at all.
Speaker 5: Now you don't take too much. Let me think how
Speaker 5: much you need. It can help you with your skin.
Speaker 5: I'm reading here and I have my own notes because
Speaker 5: I'm a big believer in it.
Speaker 4: My whole family is I don't take it, by the way,
Speaker 4: I just want to be honest with you.
Speaker 5: But I'm a big believer in it. But I don't
Speaker 5: really have problems here.
Speaker 4: That I need it for. But I guess you could
Speaker 4: take it anyway. It's really good for you. It really is.
Speaker 4: Let's put it this way. There's nothing bad about it.
Speaker 4: It could now large amounts can cause digestive issues, it
Speaker 4: says here, and it can actually rot your teeth, but
Speaker 4: that would be like if you drank tons of it,
Speaker 4: and if you sip it and let it stay.
Speaker 5: In your mouth a long time. What my mom used
Speaker 5: to do.
Speaker 4: I believe she would take a tablespo Wait, let me
Speaker 4: just ask what is the appropriate dose? And I'm asking
Speaker 4: my girlfriend. My girlfriend is copilot, you know who that is? Okay,
Speaker 4: the appropriate dose It can vary, obviously, Okay, that's what
Speaker 4: I thought. My mom used to take a tablespoon. It
Speaker 4: says one to two tablespoons, so and you take.
Speaker 5: It or you can.
Speaker 4: Yeah, so one to two tablespoons would do it for
Speaker 4: you daily, But some people take it listen before every
Speaker 4: meal and that doesn't hurt.
Speaker 5: One tablespoon before.
Speaker 4: Every meal helps with digestion. But no matter what but
Speaker 4: and so you don't have you don't need a lot.
Speaker 4: You may want to take one of My mom used
Speaker 4: to take I think a tablespoon in some warm water
Speaker 4: in the morning, and I couldn't stand how she could
Speaker 4: do that, and then another one at night.
Speaker 19: Well, I like drinking the vinegar after I have salad.
Speaker 5: You literally like it straight.
Speaker 19: With oil and vinicar.
Speaker 6: Yeah, I like it.
Speaker 19: I don't know.
Speaker 5: Well, you're not gonna do it like that? Well, I
Speaker 5: don't know. I guess you would get the same benefit.
Speaker 4: I mean, it doesn't say you can't dilute it, but
Speaker 4: you know what, actually, if you put it in salad,
Speaker 4: what the hell is the difference? You're still getting it.
Speaker 4: I'm with you, Bill, I'm with you. Why bother taking
Speaker 4: it direct if you can.
Speaker 5: Just have it on salad? Okay anyway, but sure three
Speaker 5: h three seven one three talk seven one three eight
Speaker 5: two five to five. I got a question here on
Speaker 5: the motorized shades.
Speaker 3: Yep.
Speaker 4: Can shutters be motorized? Yes, so you can actually have
Speaker 4: the louvers.
Speaker 3: The tilt yep, the lovers tilt open and clothes.
Speaker 5: Huh and catastic? Oh did you get him from?
Speaker 20: I got some upper windows that I can't reach by hands?
Speaker 5: Are they pretty cool? So you just dragging them a?
Speaker 5: Are they even? Yes? You can sink them?
Speaker 20: Correct, I've got three windows. I can pick one two
Speaker 20: or three or all three. It's it's a fantastic.
Speaker 4: Oh, very cool. And how do they run? How did
Speaker 4: you wire? Are they battery?
Speaker 20: Yeah, so there's solar on the out on the on
Speaker 20: the windows themselves, but the remote is battery.
Speaker 5: Yep, very cool, so you can recharge them.
Speaker 7: But he's got a solar panel also that pretty much
Speaker 7: keeps them topped off all.
Speaker 3: The time, so you don't have to deal with it.
Speaker 5: That's very cool. Now are they Are they a composite
Speaker 5: material plastic? So he doesn't? Or are they would? Or
Speaker 5: what both?
Speaker 3: You know, there's like a wood extrusion.
Speaker 7: There's their woodlower woodwar plus and then yeah, you can
Speaker 7: get them in pure wood what's best in ninety five?
Speaker 5: Would because of the maintenance?
Speaker 6: Right?
Speaker 4: Are there is there any maintenance with that wood? To
Speaker 4: like you you never have to refinish him?
Speaker 3: Got they're finished? Really nice? Really yeah? And so are
Speaker 3: the ones he has. They're beautiful?
Speaker 6: Yeah?
Speaker 5: What color? Are they white?
Speaker 6: White?
Speaker 3: Or white?
Speaker 5: Can you get them in different colors.
Speaker 3: Absolutely.
Speaker 7: You can get them in stains and you know, for
Speaker 7: the in the real hardwood, there's a lot of different
Speaker 7: there's a lot of different paints.
Speaker 5: Can you get the composite materials in different colors?
Speaker 3: Absolutely.
Speaker 7: You can also have them custom painted to your exact
Speaker 7: paint in your house if you want to.
Speaker 20: I'd also like to point out to my windows are
Speaker 20: very oddly shaped. Their trapezoidal windows, not the regular square
Speaker 20: ones around or anything. So they were they were custom
Speaker 20: made just for those specific windows.
Speaker 5: Wait, are all your windows are the just the upper
Speaker 5: ones are trapp upper ones.
Speaker 3: Yeah?
Speaker 5: Yeah, man, that's pretty color.
Speaker 3: They're awesome.
Speaker 5: And so he just hits the remote and that's it.
Speaker 6: Yeah.
Speaker 3: Or you can do an app on your phone.
Speaker 5: Also, can he program it during the day, like when
Speaker 5: it's going to be sunny and he's not home.
Speaker 7: Yep, you can have automatically open, or he can pick
Speaker 7: up his phone from where he's sitting right now and
Speaker 7: open them from.
Speaker 5: From the station.
Speaker 3: Huh.
Speaker 5: Hey man, that is pretty cool. Dragon's beautiful stud I
Speaker 5: know you'll do business with By the way, Denver Shades
Speaker 5: dot Co seven two zero four five eight six five
Speaker 5: sixty six go with a sure thing Denver's best roofer
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Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. Hi TOMARTI three
Speaker 4: three seven one three talk three oh three seven one
Speaker 4: three eight two five five.
Speaker 5: All right, so.
Speaker 4: Eriah's back, Deputy Bob, be right with you, man. I
Speaker 4: want to take your ryah real quick. Here you're riah.
Speaker 4: So the firearm guy said he's going to refund you
Speaker 4: next week?
Speaker 5: Is that right? Is that right? Chopper tomorrow? Oh tomorrow,
Speaker 5: I'm sorry tomorrow.
Speaker 6: Yeah. I just got off a record a long with him,
Speaker 6: and he said that he was willing to pay me tomorrow.
Speaker 5: Okay, good. So he wasn't upset with you, was he? No?
Speaker 6: He sounded pretty. He didn't sound terribly upset. He just
Speaker 6: sounds kind of like he's over the situation.
Speaker 4: But well, it's your money, for God's sakes. Hey, I
Speaker 4: want to talk to Mark. Mark is on a referral list. Hey, Mark,
Speaker 4: is the name of your company Concealed.
Speaker 21: Carry, Concealed Kerry Classes of Denver.
Speaker 4: And you do classes, as the name implies, concealed Carry
Speaker 4: Classes of Denver.
Speaker 5: And you know a little bit about the laws.
Speaker 4: So tell me something way the way Uriah explains it. Uriah,
Speaker 4: you went in and filled out an application?
Speaker 5: Is that right? Uriah? Is he? There? Can there somebody
Speaker 5: help me? Aryah? Okay, now I'm getting Yeah, you're right.
Speaker 5: I'm sorry, uh Aryah.
Speaker 4: So you filled out an application or a buyo or
Speaker 4: whatever they call it.
Speaker 5: A background check? Right, it's correct, and then you paid
Speaker 5: the money.
Speaker 6: Right, I paid the money, and then the item got
Speaker 6: delivered to the store, and then I took the background check.
Speaker 5: Wait, so you didn't take the background check before?
Speaker 6: No?
Speaker 5: So, Mark, were you saying there's a sequence of events?
Speaker 21: So I filled out that the form filled out with
Speaker 21: a AHTF form forty four seventy three, And that does
Speaker 21: a form you have to fill out at a gun
Speaker 21: store a license dealer in order to get a firearm
Speaker 21: and The thing is is that you have to have
Speaker 21: the serial number on the firearm in order to start
Speaker 21: the background check.
Speaker 5: Okay, and that's what he did. That's what he did.
Speaker 4: He waited for the he waited for the firearm to
Speaker 4: get in, then he did the background check to be
Speaker 4: the Uh.
Speaker 21: The gun dealer actually ordered the firearm for you. Yes, yes, okay,
Speaker 21: that I mean, I am surprised that he's actually refunding you,
Speaker 21: because when it comes to especially ordering firearms, they typically
Speaker 21: don't refund on stuff like that because well then.
Speaker 4: Wait a minute, Wait a minute, wait a minute. So
Speaker 4: you're telling me, Mark that when we go to a
Speaker 4: gun store and we put money down on a gun
Speaker 4: and they want they want payment up front, and and
Speaker 4: they and then the gun is delivered to the gun store,
Speaker 4: and if for some reason, my background check is rejected,
Speaker 4: you're telling me I forfeit the purchase price of the gun.
Speaker 21: Typically y because the gun dealer cannot rea sure that gun.
Speaker 21: They are stuck with that gun.
Speaker 4: Well, then I think that's the gun dealer's problem in
Speaker 4: my opinion. I mean, why should I pay for something
Speaker 4: I can't get.
Speaker 21: That's just how it's always worked. I mean, every gun
Speaker 21: dealer you walk into. And this has been the case
Speaker 21: since two thousand and six, since I bought my first firearm.
Speaker 21: There's typically no refunds on firearms, period because.
Speaker 5: They can hold on. But I did not make the
Speaker 5: purchase yet.
Speaker 21: Typically you do make the purchase before they ordered the
Speaker 21: firearm for you. That's been every single case when I
Speaker 21: purchased a firearm. Is when I purchased it, they send
Speaker 21: it to the dealer, or if I order from the dealer,
Speaker 21: it gets delivered there, and there's no refunds on the Okay, So.
Speaker 5: Correct me if I'm wrong.
Speaker 4: I have to pass a background check before I can
Speaker 4: purchase a firearm.
Speaker 5: Is that correct? Yes, you do, hold on?
Speaker 4: Hold on, then you're telling me though, when I give
Speaker 4: you the twelve hundred bucks for the firearm, I've purchased it,
Speaker 4: but I didn't take a background check yet because you
Speaker 4: don't have the gun yet.
Speaker 21: Yeah. So you do purchase it and it does fit
Speaker 21: a dealer, right, and then from there, the dealer actually
Speaker 21: runs the background check on the actual seal number of
Speaker 21: the firearm itself. They have to have the firearm first
Speaker 21: in order to do the background check.
Speaker 5: Why. I'm just curious why.
Speaker 21: That's according to the ATF the Gun Control Act of
Speaker 21: nineteen sixty eight, at the federal.
Speaker 5: Okay, okay, I get it.
Speaker 4: So now, now, if if you have a gun in stock,
Speaker 4: you'll do the background check before me buying it? Are
Speaker 4: you telling me every single person that goes to a
Speaker 4: gun shop is paying for something that they don't know
Speaker 4: if they're gonna get.
Speaker 21: Typically the person should know if they're disqualified or not
Speaker 21: to own a firearm. I mean, I'm.
Speaker 4: Asking you if you have a gun in stock. If
Speaker 4: a firearm dealer has a gun in stock and they
Speaker 4: run a back round check on that gun and I
Speaker 4: am rejected, you're saying they will still require payment.
Speaker 21: It really depends on the policy. But yeah, typically, yes,
Speaker 21: there is no refunds for firearms purchases on most gun dealers.
Speaker 15: You go to.
Speaker 4: So do you require payment upfront before running a background check?
Speaker 21: It's really up to the gun dealer.
Speaker 5: But okay, yes, so most gun dealers, you're telling me,
Speaker 5: most gun dealers take your money and and make you
Speaker 5: and will never give that money back, even if they
Speaker 5: don't expend a dime on a gun, because I will
Speaker 5: guarante I will guarantee you mark that that will never
Speaker 5: hold up in court because that's Unjustin Richmond, there is
Speaker 5: no way that I pay for a gun in full
Speaker 5: and not be refunded if you can't deliver it. I'm sorry. Now,
Speaker 5: that might be the way it is, and that be
Speaker 5: a real cushy, a real cushy.
Speaker 4: Thing for gun dealers, but that ain't right and that
Speaker 4: ain't legal. I can't see how they can justify being
Speaker 4: enriched twelve to fifteen hundred two thousand dollars without ever
Speaker 4: delivering a product.
Speaker 21: That's just I can tell you right now. There's typically
Speaker 21: no refunds on firearms purchases. That's just the Paul, guess what.
Speaker 4: I agree with you, But I didn't purchase the firearm
Speaker 4: because the government says I can't purchase it without a
Speaker 4: background check.
Speaker 21: Right, I'm just explaining it.
Speaker 4: No, I'm not mad at you, Brouh. I'm bringing out
Speaker 4: the ridiculous mark.
Speaker 5: It has nothing to do with you.
Speaker 4: You're in the system, but it's an ass backwards system.
Speaker 4: If you're telling me you can't no refunds, I get it.
Speaker 4: If I bought a gun, I can't get it refunded.
Speaker 4: But if I didn't buy it yet and I defy
Speaker 4: a judge to tell me that I bought a firearm
Speaker 4: when I'm not allowed to buy one. But he's gonna
Speaker 4: tell me, oh, you bought it. He can't refund it.
Speaker 4: I never put my hands on the gun. I'm not
Speaker 4: asking for a refund. I'm asking for a return of
Speaker 4: a deposit. I mean, I just don't understand it. And
Speaker 4: if gun dealers are getting away with it, I want
Speaker 4: a test case to bring to court. So anybody out
Speaker 4: there who's been screwed out of a deposit on a gun,
Speaker 4: I want to take it to court.
Speaker 5: I'm telling you that right now. I want it.
Speaker 4: That'll never have that will never stand up. That is
Speaker 4: the ultimate unjustin Richmond. Now, if I truly purchased it
Speaker 4: and come back the next day and say I don't
Speaker 4: want it, but when it never leaves your possession, you
Speaker 4: never deliver it. I defy you to call that a purchase,
Speaker 4: especially if I did not qualify for the purchase.
Speaker 5: You can't have it both ways.
Speaker 4: And I'm telling you, I don't doubt you one second
Speaker 4: mark that that's what gun dealers are doing. But if
Speaker 4: that's what they're doing, they're screwing people all over all
Speaker 4: over and in fact, I want to get atf on
Speaker 4: who regulates this atf.
Speaker 21: Uh, Well, there's a new gun law that just packs
Speaker 21: in Colorado where the Total Beer Investigation is going to
Speaker 21: be regulating gun stores. But yes, the Federal firemplights and
Speaker 21: is issued by the And by.
Speaker 5: The way, does the Federal Firearms license says nothing about
Speaker 5: no refunds?
Speaker 21: Right, this is a store, Pulsey. It's up to the dealer.
Speaker 4: But I can and you're telling me that most stores
Speaker 4: agree that there are no refunds, which I would agree on.
Speaker 5: I would agree.
Speaker 4: That once someone buys a gun there should be no refund.
Speaker 4: I agree because it's it's too dangerous to be doing
Speaker 4: that back and forth.
Speaker 5: You don't know what they did to it, if they
Speaker 5: altered it.
Speaker 4: But if I never take delivery of a gun and
Speaker 4: I don't pass a background check for a gun, I
Speaker 4: defy anyone to define that as a perch because I
Speaker 4: did not receive the goods. And if a gun dealer
Speaker 4: thinks they're going to keep my money, in fact, the
Speaker 4: problem is I would pass.
Speaker 5: I was saying, I would love to take a case
Speaker 5: to court, absolutely love it.
Speaker 4: If there's a gun dealer who thinks they can take
Speaker 4: two thousand dollars from me and then say you don't qualify,
Speaker 4: but I'm going to keep your money anyway, and.
Speaker 5: Call it no refund.
Speaker 4: I would say, well, in order to be a refund,
Speaker 4: there would have to be a transaction. In order to
Speaker 4: be a transaction, I would have to be legally qualified
Speaker 4: to make that transaction, and I would have to have
Speaker 4: delivery of a product.
Speaker 5: I just can't even believe that would happen. And so Mark,
Speaker 5: I don't disagree with you at all that that's the
Speaker 5: way it's happening, but it won't happen for long. If
Speaker 5: I can get someone to call me who's been screwed
Speaker 5: out of a gun deposit, I won't take long at all.
Speaker 5: Won't take long.
Speaker 4: Because we'll go right to the court of We'll go
Speaker 4: just to the state and have it done or federal court.
Speaker 4: But okay, we got to take a break. We have,
Speaker 4: by the way, thank you very much, Mark, Concealed Carry
Speaker 4: Classes of Denver.
Speaker 5: He does a great job at what he does. We
Speaker 5: have more coming up.
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Speaker 4: oh three nine two zero sixteen twenty two. By the way,
Speaker 4: I'm getting text from a lot of people. I'm not
Speaker 4: going to get into it right now. Maybe we'll discuss tomorrow.
Speaker 4: Who said they never ever had a problem buying a
Speaker 4: gun and that if a background check is not passed,
Speaker 4: they get their money back.
Speaker 5: So there are a lot of people who say they
Speaker 5: do that.
Speaker 4: Deputy BO, tell me about this now. These people called
Speaker 4: about a Buddha kidnapping. They said that the Hoa removed
Speaker 4: her Buddha statue from outside her apartment door. By the way,
Speaker 4: a lot of people have things outside their apartment doors,
Speaker 4: little planters and other things, but her Buddha was taken.
Speaker 5: What did you find out, Bo? This is Monique who called.
Speaker 18: Yeah, Monique, she they did send her a couple of
Speaker 18: notices about it. She did ignore it, and one day
Speaker 18: she showed up and her little basketball sized Buddha was missing.
Speaker 18: She called several times, they didn't return her call. And
Speaker 18: then when she called last Thursday, I think a board
Speaker 18: member or a maintenance man heard about it on the
Speaker 18: air and went to the mechanical room and released a
Speaker 18: Buddha act to her.
Speaker 5: But she can't put it outside her house right.
Speaker 18: Apparently. I've called the h O A Hammersmith four times
Speaker 18: about it. I just wanted to ask if they were
Speaker 18: to just allow her to keep it out on her porch.
Speaker 18: They have not called me back.
Speaker 13: All right, Nique.
Speaker 4: They well, they let, they let planters and stuff, but
Speaker 4: maybe they figure this is different.
Speaker 5: I don't know, but thank you for checking that out.
Speaker 5: We're out of time.
Speaker 4: Don't forget Denver Shades dot Co. And they're good people.
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Speaker 4: remember three oh three Martino for help. Three O three
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