Speaker 1: The Shooter's gonna help.
Speaker 2: Come man, this is the Troubleshooter Show. No Tom Martino, Hey.
Speaker 3: Tom Martino here, Welcome to the only show if it's
Speaker 3: kind of anywhere in the universe where we are solving problems,
Speaker 3: answering questions, taking complaints, making life just a little easier.
Speaker 3: A record setting forty five years on the air, the
Speaker 3: same show, still on the air, stame host.
Speaker 4: Who the hell knows how long we're gonna do it?
Speaker 4: But what's the alternative? Golf? Come on, people? You know
Speaker 4: I think about myself. I think about what I'd be
Speaker 4: doing if I wasn't doing radio. What the hell? I
Speaker 4: don't know if I'd be up to any good.
Speaker 3: I like fun, but you know, when you really love
Speaker 3: your work, there's really no differentia, a differentiation too fun
Speaker 3: and all of that.
Speaker 4: Hey, what's on your mind? And how can we help you?
Speaker 3: I asked that every single day, And what I was
Speaker 3: alluding to before was a master in the art of
Speaker 3: living draws no sharp distinction between his work and his play,
Speaker 3: his labor and his leisure, his mind and his body,
Speaker 3: his education and his recreation.
Speaker 4: He hardly knows which is which.
Speaker 3: He simply pursues his vision of excellence through whatever he's
Speaker 3: doing and leaves others to determine whether he's working or playing.
Speaker 4: Now, I read that to somebody one time, and they said,
Speaker 4: and by the way, if you see the white chat here,
Speaker 4: I have my buddy with me, Mark kunkled with probid
Speaker 4: energy dot com and other entrepreneurial pursuits. But anyway, somebody
Speaker 4: said to me Mark and companies listening, They said, I
Speaker 4: don't agree where that. I want to have my leisure time.
Speaker 4: I want my down time, and then you know, and
Speaker 4: then I want my work time. And I but I said,
Speaker 4: I'm not disagreeing with that.
Speaker 3: What I'm saying is if you make no distinctions and
Speaker 3: you enjoy stuff and pursue passions, there there really isn't
Speaker 3: much of a distinction.
Speaker 4: And I really mean that. Oh come on, every once
Speaker 4: in a while you might say I don't want to
Speaker 4: get up today, I don't want to do this, I
Speaker 4: don't want to do that.
Speaker 3: But in reality, I think people can tell when people
Speaker 3: love what they're doing. Now I have a text here
Speaker 3: that just says, Tom, yes it's me. Because people can't
Speaker 3: believe I gave out my personal Google number, which forwards
Speaker 3: to my cell phone, and here it is seven four
Speaker 3: seven nine nine eighty. That's my person that's forwarded to myself.
Speaker 3: So I get these texts, and I've been solving a
Speaker 3: lot of problems off the air, so or getting you
Speaker 3: on the air. Now, Carrie, welcome to the show. You're
Speaker 3: on with Mark.
Speaker 4: And Tom and and since Mark's a smart fella or
Speaker 4: a fart smeller whatever, a far smart fella, I'm going
Speaker 4: to ask him the chime in on other stuff. But yeah,
Speaker 4: you said you might have come across a scam. I
Speaker 4: think you you wanted to talk about this. Are you
Speaker 4: the one that called toward the end yesterday? But anyway,
Speaker 4: what is this scam? You? What is this scam you
Speaker 4: think you came across?
Speaker 5: Carry Well, I'm just asking your advice. I saw a
Speaker 5: bill from a company called Transworld Systems, Inc. For a
Speaker 5: bill with T Mobile phone?
Speaker 4: Now what is what is trans World What is it system?
Speaker 5: I don't have any idea, Okay, he says, trans World
Speaker 5: system Inc. Is the collection company?
Speaker 3: Now is it system Singular? Oh that's a collection agency? Okay,
Speaker 3: So in the trans World system and what are they
Speaker 3: collecting for.
Speaker 6: T Mobile?
Speaker 4: Now? What do they say you owe for?
Speaker 5: Doesn't but how do.
Speaker 3: You know Okay, wait, wait, wait, wait, you know it's
Speaker 3: for T Mobile, so it must be they must say something.
Speaker 6: Nope.
Speaker 5: It gives an account number, says I own three.
Speaker 4: Does it say T Mobile? Does it say T Mobile? Yes?
Speaker 5: You okay had and T Mobile account and it gives
Speaker 5: an account number.
Speaker 4: Okay. Does it say does it say when you had
Speaker 4: the account?
Speaker 2: No?
Speaker 7: Did you have the account?
Speaker 4: No, You've never had a T Mobile account?
Speaker 6: Nope.
Speaker 5: I've been with three companies in my lifetime, right, so why.
Speaker 3: Don't you just throw that notice out? It's called a
Speaker 3: shotgun approach. That's what it's called a shotgun approach. They
Speaker 3: have somebody with a similar name.
Speaker 4: Possibly.
Speaker 3: No one can collect anything from you until they take
Speaker 3: you to court, so the own So if they ever
Speaker 3: serve you to go to court, you show up and
Speaker 3: say it's not me.
Speaker 4: I mean, if you're confident you never had it, forget it.
Speaker 3: I would not even waste I don't even waste a
Speaker 3: breath on this stuff. When people tell me I've gotten
Speaker 3: notices like that where they either got me mixed up
Speaker 3: or they're trying to resurrect something that was in my
Speaker 3: past that I don't even remember.
Speaker 4: I said, you know what, take me to court.
Speaker 3: That's what I say, Yeah, because if I legitimately, if
Speaker 3: I legitimately owe something, I'm going to pay it. Now,
Speaker 3: let me tell people some of the other possibilities. When
Speaker 3: you get notices and it lacks detail. Thank you for
Speaker 3: calling carry, I would throw it away. Now here are some.
Speaker 4: Of the possibilities.
Speaker 3: The collectors sometimes go into a company and they say,
Speaker 3: I'm going to buy your collectibles.
Speaker 6: Now.
Speaker 3: They pay pretty good money for things thirty days past due,
Speaker 3: so sometimes people don't sell those. Then they pay less
Speaker 3: money for sixty days, and even less money for ninety
Speaker 3: days or one hundred and twenty days or a year
Speaker 3: or two years. When it goes up to three and
Speaker 3: four and five, they pay less. And then when they
Speaker 3: buy a bundle of collectibles, they then have the authority
Speaker 3: to collect or maybe they do right if they do
Speaker 3: it properly. But really what happens is this is really
Speaker 3: important that you know this. They are also getting stuff
Speaker 3: that's six years old and older, and they get that
Speaker 3: like free.
Speaker 4: They just give them everything.
Speaker 3: Now, this company will put some lackeys on the six
Speaker 3: years and older and had them send out notices. And
Speaker 3: what they say is Hey, you had a bill and
Speaker 3: you owe us money.
Speaker 4: Technically, you still owe them money.
Speaker 3: Technically, though in Colorado and many other states, depending on
Speaker 3: the state, six years is the cutoff forgetting a judgment,
Speaker 3: so there's no legal teeth in a bill. In fact,
Speaker 3: they virtually can't collect it. But technically you still owe it.
Speaker 3: I mean, if I loaned you one hundred dollars and
Speaker 3: six years went by, you still owe me the money.
Speaker 3: I couldn't do anything about it. But you still owe
Speaker 3: me the money.
Speaker 4: So what do they do. They have a number of tricks.
Speaker 4: One they can.
Speaker 3: Say, you know, you owe us the money. It's a
Speaker 3: legitimate debt. Let's make it go away. Let's settle it.
Speaker 3: Give us so much, twenty five dollars, maybe something small enough.
Speaker 3: You might say, okay, But they don't really send you
Speaker 3: a receipt. They just send you a receipt for payment,
Speaker 3: or they say just make a payment of a few
Speaker 3: bucks a month.
Speaker 6: Whatever.
Speaker 3: What they've done is taken an expired debt and they
Speaker 3: converted it to an active debt. And now that six
Speaker 3: years starts counting again, They've just tricked you. They've just
Speaker 3: resurrected that debt. That's why it's called credit or collection ghosting.
Speaker 3: So if you get old debts like that, forget them,
Speaker 3: don't respond, don't do anything. If you get more recent debts,
Speaker 3: make them document everything. If you think it's not you
Speaker 3: don't respond or do anything at all.
Speaker 8: Well, Tom, I've got a quick a question here about
Speaker 8: that though, because I think Tea Mobile merged with Sprint
Speaker 8: a year or two ago, So maybe it could be
Speaker 8: an old Sprint bill for carry here.
Speaker 4: Maybe could be if he had Sprint, if you had Sprint.
Speaker 3: Yes, yeah, that's a good point, because when companies merge,
Speaker 3: they often take the authority to collect old debts, So.
Speaker 4: It could be.
Speaker 3: It could be, but most of the time companies don't
Speaker 3: do that. And the reason they don't assume collectibles is
Speaker 3: because they would have to assume pables.
Speaker 4: I have a new way to get out of collection, Tom,
Speaker 4: what is that?
Speaker 9: Remember, guest, Today someone called about a problem with Elite Dental. Yeah, well,
Speaker 9: he spoke to Elite Dental and about getting his medical
Speaker 9: records and he found a new way to avoid collections.
Speaker 9: When they called him about it, he said, you can't
Speaker 9: collect I'm dead. So I guess the death is a
Speaker 9: decent way to get out of collections.
Speaker 4: Wait, but he told him and they believed that he
Speaker 4: was dead. No, no, no, I mean I believe if
Speaker 4: you told me that.
Speaker 9: But no, he said, you can't collect I'm dead and
Speaker 9: hung up.
Speaker 4: Okay, that's fun. Now, by the way, that was the
Speaker 4: dental office said we're not releasing hold on.
Speaker 3: Let me tell people, we're not releasing records because you
Speaker 3: owe us money. And I looked at the state law
Speaker 3: and the federal and they can't do that.
Speaker 4: Oh yeah, I knew that. So I spoke to them
Speaker 4: and that doc. You wouldn't know that.
Speaker 9: That's when they told me about his saying that he's dead.
Speaker 9: So he's going to go pick up his record. Somehow
Speaker 9: we got resurrected and then we'll take it from there.
Speaker 4: Thank you very much.
Speaker 3: So people, if you're told you can't get medical records
Speaker 3: because you owe money, that's not true. You can get
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Speaker 3: think you're his only customer when you choose Frank durand
Speaker 3: the real estate Man dot com to list your home
Speaker 3: with Remax Alliance three three nine two zero sixteen twenty two.
Speaker 3: I got a text wanting to price out a Camaro
Speaker 3: and eighty six at eighty.
Speaker 4: Thousand miles And uh, it's pretty interesting.
Speaker 3: What do you think that would go for? I can
Speaker 3: tell them I think I know what it will go for.
Speaker 3: I'm gonna wait to hear from you, guys. Eighty six
Speaker 3: Chevy Camaro, pretty decent, you sent some photos. You just
Speaker 3: texted me on my Google Voice miles eighty thousand miles.
Speaker 7: Wow.
Speaker 3: Anyway, it's seven four seven nine fifty two eighties my number.
Speaker 3: Now we were talking to about this collection. Notice somebody
Speaker 3: else says they got one too. I'm pretty sure they're
Speaker 3: trying to resurrect old debt.
Speaker 4: But here's the point.
Speaker 3: Okay, you don't have to respond. If it's not your bill,
Speaker 3: you can just ignore it. Now, people say, what about
Speaker 3: ruining my credit? You know, people can put a credit
Speaker 3: report on your credit report that's invalid.
Speaker 4: Now they risk being sued for slander of credit.
Speaker 3: Unfortunately that takes some legal work, but a good attorney
Speaker 3: can get their fees on that.
Speaker 4: I would look into it.
Speaker 3: I wish I had an attorney that specializes in slander
Speaker 3: of credit because slander of credit is something that happens
Speaker 3: all the time. In fact, I'm going to write it
Speaker 3: down because I'm going to post something on this. You know,
Speaker 3: who does the most slander of credit? Who would you think?
Speaker 3: To give me a guess here, who do you think, Mark?
Speaker 3: Who do you think slanders people's credit more than anyone?
Speaker 6: If you had to.
Speaker 7: Guess medical community?
Speaker 4: No, No, I'll tell you who. Landlords. Now here's why landlords.
Speaker 3: Let's say you move out of a place and they
Speaker 3: say you destroyed a carpet and you say.
Speaker 4: No, I didn't. The carpet was bad.
Speaker 3: So they say no, it wasn't right, and they say
Speaker 3: you owe us. Now that's one example. Here's another example.
Speaker 3: I'm going to give you two examples. And now in
Speaker 3: that example, so if you don't pay it, remember there
Speaker 3: wasn't a judgment. They didn't take you to court. They
Speaker 3: simply put a ding on your credit. You can't rent,
Speaker 3: you can't do anything, you can't even buy until you
Speaker 3: clear it up. That's credit blackmail or slander of credit.
Speaker 3: Now what's the next thing. Okay, we had a case,
Speaker 3: a real case. Back in the day. Yellow cab was
Speaker 3: a thing. I don't know if they still here. Okay, Now,
Speaker 3: yellow cab got into an accident in a parking lot
Speaker 3: with a woman.
Speaker 4: They hit her.
Speaker 3: According to her, they sent her a bill for fixing
Speaker 3: the cab. Now, she was about to take them to
Speaker 3: court because they hit her and she wanted them. She
Speaker 3: wanted them to pay for her car. She had a
Speaker 3: witness that said they were at fall. So here's what happened.
Speaker 3: They sent her a bill. When she didn't pay the bill,
Speaker 3: they slandered her credit, saying she didn't pay a bill.
Speaker 4: What bill?
Speaker 3: It was an accusation. It wasn't a bill, it was
Speaker 3: a collection. It wasn't a bill. It was something that
Speaker 3: they said she owed. They didn't prove she owed. So
Speaker 3: what did they do? They slandered her credit. We got
Speaker 3: that one taken care of.
Speaker 4: That was years ago. I think the woman's name was Linda.
Speaker 3: But the point is this, just because someone says you
Speaker 3: owe money doesn't mean you owe the money. A judgment
Speaker 3: determines if you owe the money or a contract, and
Speaker 3: that you can prove in court. But when someone threatens
Speaker 3: you with slander of credit, that's where I want an attorney.
Speaker 3: We have had attorneys that they've done it from time
Speaker 3: to time, but we've never had anyone consistent. And there's
Speaker 3: so much credit blackmail going on and slander of credit
Speaker 3: that I would love to get an attorney who would
Speaker 3: take these cases.
Speaker 10: How about this Tom, I've got a son, he's at college.
Speaker 10: We've talked about it in the It's that you know,
Speaker 10: we've rented an apartment form and they go, don't you're
Speaker 10: never going to get your deposits back. It's like the
Speaker 10: landlords purposely hold the deposits and these right, I can
Speaker 10: attest we clean that place like it was brand new.
Speaker 4: I know, and some landlords figure done.
Speaker 3: Some landlords take it almost as a transition fee right now,
Speaker 3: if they said that, by the way, they can do
Speaker 3: that if it's in the least. But if they call
Speaker 3: it a security deposit, that's exactly what it is. Damage deposit,
Speaker 3: security deposit, cleaning deposit. Sometimes it's all three of those, security, cleaning,
Speaker 3: and damage.
Speaker 4: It has to be.
Speaker 3: Can't be normal wear and tear even Yeah, so what
Speaker 3: do you do you take in the court? Now, each
Speaker 3: law is different. In Colorado, you consume for triple the amount.
Speaker 3: But if you lose, you lose.
Speaker 4: If you win, you win.
Speaker 3: But landlords, you know, and it's getting better for tenants
Speaker 3: to a point where some landlords are selling. They don't
Speaker 3: want to be landlords anymore because they say it's too
Speaker 3: difficult to be a landlord.
Speaker 4: It's all a matter of perspective. It is difficult.
Speaker 3: But also a lot of renters, especially college kids and
Speaker 3: younger people, they get taken advantage of. So it is
Speaker 3: almost a given that your security deposit is going to
Speaker 3: go away in many cases, and landlords have a habit
Speaker 3: of doing it without justifying it, or they have the
Speaker 3: same problem that they've charged the last three tenants for
Speaker 3: a gash in the wall.
Speaker 4: I mean, that's why I'm going to tell you how
Speaker 4: to protect yourself.
Speaker 3: A move in checklist, and you have a representative of
Speaker 3: the landlord or the landlord or.
Speaker 4: The management company sign it.
Speaker 3: You tell them this is to protect both of us.
Speaker 3: If there's a gash in the wall, you better note it.
Speaker 3: Now there's no damage, that's not a big deal, but
Speaker 3: you better better note damages. Then you want a move
Speaker 3: out check Now they say just leave the keys, or
Speaker 3: do this or do that?
Speaker 4: No, no, no.
Speaker 3: You know how many times people have left an apartment
Speaker 3: then been notified of a problem.
Speaker 4: Don't you want? And in fact, in the beginning.
Speaker 3: You should set that out saying, look, I'm a responsible
Speaker 3: renter and I believe in paying for what I do
Speaker 3: and not paying for what I don't do. So what
Speaker 3: you do is say I would like a move in
Speaker 3: and move out checklist before I sign my lease, and make.
Speaker 4: It part of your agreement.
Speaker 3: Now, if a landlord is hesitant, you better be really careful.
Speaker 3: If a management company says, no, we don't like that.
Speaker 3: I mean what management company would not like that? Right
Speaker 3: protects everyone, that's right. So you would have to have
Speaker 3: one hell of a good reason to not do that. Now,
Speaker 3: if they say something like this, well that's not procedure,
Speaker 3: I'll go to hell. It's not procedure. It should be procedure,
Speaker 3: you know. Uh, And or we don't do that. You know,
Speaker 3: there's no such thing. I call that the god syndrome.
Speaker 3: The god syndrome I used to have a sound effect.
Speaker 4: Anyway, don't take that. That's not true.
Speaker 3: You get to dictate terms and conditions just as much
Speaker 3: as they do.
Speaker 4: In fact, you can remind them of that.
Speaker 3: Say, look, you know you don't have to do it,
Speaker 3: but technically, if all of your contracts are one way,
Speaker 3: they're construed against you, you might want to.
Speaker 4: Tell them that.
Speaker 3: I'm Tom Martinez three oh three seven one three talks
Speaker 3: seven one three eight two five five.
Speaker 4: If you have a problem question, you can plank give
Speaker 4: us a call.
Speaker 3: A lot of useful information on this station and on
Speaker 3: this show. And by the way, one of the things
Speaker 3: a great information. One of the items Frank Duran, the
Speaker 3: real estate man dot com. He will tell you what
Speaker 3: your house will sell for free of charge.
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Speaker 11: You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free no obligation comparison
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Speaker 4: Hi, Tom Rchino, your troubleshooter three all three seven one
Speaker 4: three talk three all three seven one three eight two
Speaker 4: five five.
Speaker 3: Welcome to the show, and I want to bring up
Speaker 3: Claudia and Brad O'Brien. Brad O'Brien is a real estate
Speaker 3: attorney real estate law firm.
Speaker 4: They handle everything real estate.
Speaker 3: We often use him as our expert olslaw dot com. Brad,
Speaker 3: I'm finding it difficult to believe part of the story.
Speaker 4: No, I don't think she's lying. I just find it difficult.
Speaker 3: But I want to run it by you and just
Speaker 3: get your impressions overall, and maybe.
Speaker 4: A reaction to this. Claudia says she bought a home,
Speaker 4: and she bought a home, she said without how long
Speaker 4: ago'd you buy a Claudia, That's the only thing I
Speaker 4: didn't put down.
Speaker 12: I started the process February twentieth.
Speaker 4: In February. Okay, well when did you close?
Speaker 13: March?
Speaker 4: Okay, it's so March.
Speaker 3: Basically, see, you bought a home in March without she
Speaker 3: Here's what she says, Brad, without an appraisal, without a survey,
Speaker 3: Yet she had a home loan, which I don't understand.
Speaker 4: I've never heard of a lender ever ever.
Speaker 3: I mean, and I've done real estate out the nose,
Speaker 3: millions of dollars in real estate and taken hundreds of
Speaker 3: hundreds of real estate calls over the years. I've never
Speaker 3: recalled a bank closing on a mortgage where the house
Speaker 3: is the primary security, a first called a first date
Speaker 3: of trust without an appraisal or a survey, but she
Speaker 3: said she never got one.
Speaker 4: I've waved the appraisal, but you, okay, it's not up
Speaker 4: to you to waive the appraisal.
Speaker 3: Here's what I mean, Claudia, you're the one at risk
Speaker 3: with the appraisal. The lender is the one at risk
Speaker 3: if the lender is loaning you money.
Speaker 4: Did you put down fifty percent on that? How much
Speaker 4: did you put down on this house? Maybe I should
Speaker 4: ask that to sixty five?
Speaker 3: On how much of a purchase you put down to
Speaker 3: sixty five? Okay, there it is, there, it is okay.
Speaker 3: I think I think I know why they waived. They
Speaker 3: waived the appraisal. You put down more than fifty percent.
Speaker 3: Maybe that's why they were they were relaxed. Maybe that's
Speaker 3: why yoh so much equity. She put down more than
Speaker 3: fifty percent on the damn thing. So I'm sorry, Claudia.
Speaker 3: Maybe that's a factor. Before we go on with the
Speaker 3: problem itself, I want to ask Brad, Brad, do you
Speaker 3: think that's why the bank did not demand an appraisal
Speaker 3: or a survey because she put down that much?
Speaker 14: I just I don't know, because I would think that
Speaker 14: banks have to meet lending criteria which includes at lisa
Speaker 14: appraisal or an improvement location certificate for the survey because
Speaker 14: they have family, May and Freddie may have family and
Speaker 14: Freddy you know, Sander.
Speaker 3: So you think they even with that, they would probably
Speaker 3: want Yeah.
Speaker 14: I've never I've never heard of a bank waving an appraisal.
Speaker 4: On a mortgageline. They did.
Speaker 5: They let me.
Speaker 12: This is the second house I had made an offer
Speaker 12: on and I had gone through the expenditure of you know,
Speaker 12: the inspector, the raid on the sewer camera, all of that,
Speaker 12: and I was having to do it again, and but no,
Speaker 12: they let me wave it to save many I'm a
Speaker 12: disabled senior.
Speaker 3: Okay again again, it doesn't matter if you wave it. Okay,
Speaker 3: that's not what we're talking about.
Speaker 4: You are not in the position, Okay.
Speaker 3: What I mean is this is that when I I'm
Speaker 3: loaning you money and I am taking the security as collateral,
Speaker 3: I'm the one who cares is it worth what you're paying?
Speaker 4: I'm the one who cares. Is it on the lot
Speaker 4: it says it's on? Are there any encroachments?
Speaker 3: Will I have a problem if I need to foreclose now?
Speaker 4: Possibly? Brad?
Speaker 3: I mean you're saying, Brad, what if it was a
Speaker 3: private loan, maybe, I mean, it doesn't have to go
Speaker 3: by those guidelines, right, Brad, who is your lender?
Speaker 12: Did you say advantage home loan?
Speaker 4: Advantage home loans? Was it a private loan? Do you know?
Speaker 5: I don't know.
Speaker 3: Okay, So here's the thing, right now, you still owe
Speaker 3: money on this home, right correct?
Speaker 4: Okay?
Speaker 3: Now, she said, Now here's the real problem, Brad. And
Speaker 3: again the reason I asked about the bank for the
Speaker 3: appraisal and all that that would have all come up
Speaker 3: on the survey. But she says, four weeks after moving in,
Speaker 3: she found out she couldn't plant trees and do things
Speaker 3: she wanted to because I believe two sides of your
Speaker 3: home have a massive easement that encroach, not encroached, but
Speaker 3: that come onto her property by.
Speaker 6: Twenty feet one side.
Speaker 14: Oh only one side twenty feet but it doesn'troach.
Speaker 4: It's okay, I got it, and you knew that was there.
Speaker 3: But the one on one side of her house is
Speaker 3: twenty feet in from her line and it's the entire
Speaker 3: length of the house. So she says she just found
Speaker 3: that out four weeks after moving in, had no idea,
Speaker 3: there was no disclosure whatsoever. There wasn't a lie about it.
Speaker 3: They just left it.
Speaker 4: Blank on the disclosure sheet.
Speaker 3: And she says, now she's got twenty feet of easement
Speaker 3: she can't use.
Speaker 4: What do you think does she have any kind of
Speaker 4: a spread?
Speaker 14: What kind of an easement?
Speaker 12: Is it utility for electric company for them to get
Speaker 12: their utility vehicles on if they need to.
Speaker 3: Because there's an overhead power line right over the easement,
Speaker 3: so this is for any if they have to bring
Speaker 3: in a crane or a truck or something to maintain
Speaker 3: the line.
Speaker 14: Normally, this type of an easement is discoverable on a
Speaker 14: title in survey review. This type of an easement would
Speaker 14: have started as a easement document that's recorded in the
Speaker 14: title history of this home. And that's something you probably
Speaker 14: could have discovered in your due diligence before you purchased.
Speaker 14: And then a surveyor would also plot that easement onto
Speaker 14: a survey to show it, you know, on the drawing.
Speaker 4: In the absence of a cert Let's just say this.
Speaker 3: If she's right about no survey, and if she's right
Speaker 3: about no requirement, no appraisal, was it her problem that
Speaker 3: she didn't know it, or should her real estate agent,
Speaker 3: her buyer broker should have told her or is there
Speaker 3: any blame here?
Speaker 12: No, I mean I could buy one thing.
Speaker 4: Hold hold on, hold on, Claudia, let him answer just
Speaker 4: my question. Then you can chime in. And where are
Speaker 4: you going to say, Brad?
Speaker 14: It's the buyer's progative to do their own title and
Speaker 14: survey review. That's part of the due diligence that buyer
Speaker 14: needs to do. And because if a letter doesn't require
Speaker 14: an appraisal or a survey, then sometimes that's the case
Speaker 14: that when you sometimes you pay cash for a house
Speaker 14: and might not get an appraisal survey, it's still on
Speaker 14: the buyer to do that no diligence.
Speaker 15: And so she did?
Speaker 3: What if she says though that the disclosure statement that
Speaker 3: she signed, that they signed, they had a section go ahead.
Speaker 14: Well, disclosure form is for conditions of the property. Uh,
Speaker 14: this is something that that would have been disclosed probably
Speaker 14: in the title reporting.
Speaker 3: Yeah, but Claudia, didn't you say there was a section
Speaker 3: of your disclosure that talked about easements? It asks her,
Speaker 3: what exactly does it? I've that's another thing I've never seen.
Speaker 3: I have never seen a section on a disclosure that
Speaker 3: talks about easements. Here's what I have seen on disclosures. Okay,
Speaker 3: listen carefully. If I'm selling a property, there's a disclosure
Speaker 3: sometimes that says have I built any structures or encroached
Speaker 3: on any easements? But I've never seen one that asked
Speaker 3: me are there any easements?
Speaker 4: So what I need to know before we go anywhere?
Speaker 3: What exactly does your disclosure statement that you depended on
Speaker 3: say that you say they misled you?
Speaker 4: What does your disclosure statement say?
Speaker 12: Okay, first of all, I've gone through for selling and
Speaker 12: purchasing of homes in California, and we may be dealing
Speaker 12: with you know, different laws, different states, but every single
Speaker 12: house I bought was sold, there was a section specifically
Speaker 12: are you aware of any easement? And that was on
Speaker 12: the disclosure form.
Speaker 3: I want to know the one that what you did
Speaker 3: in California has no bearing. I need to know the
Speaker 3: disclosure that you had here in Colorado in March. What
Speaker 3: did it ask the seller to disclose about there anyas.
Speaker 4: Asked, are there any easements that you know about?
Speaker 12: Yes?
Speaker 4: I have? And did they answer incorrectly? Correct?
Speaker 12: They just left it blank. And there were two people
Speaker 12: responsible for signing the documents. It started out mother and
Speaker 12: daughter Okay, Claudia.
Speaker 4: I get it, Claudia. So there was a yes on
Speaker 4: the easement.
Speaker 3: There was a yes, a no, and a don't know,
Speaker 3: and they left all of them blank.
Speaker 6: Is that right? Correct?
Speaker 12: It was just are you aware of any easements on
Speaker 12: your property kind of a statement, and it was it was.
Speaker 3: I'm going to let Brad, are you aware of that
Speaker 3: kind of disclosure?
Speaker 14: Yes, I'm looking at the current standards, okay, for seller
Speaker 14: disclosures it says unrecorded easements, and yes, it is the
Speaker 14: place where the cellar would disclose an unrecorded easement because
Speaker 14: it's not going to show up on the title report.
Speaker 3: But this one that she's talking about is for sure
Speaker 3: a recorded easement, which means she would have the discoverability
Speaker 3: right now only.
Speaker 14: Have a utility that's going to be shopping the recorded
Speaker 14: title history.
Speaker 3: So if she came to you and said, if everything
Speaker 3: she's saying is true, and they and it said recorded easement,
Speaker 3: unrecorded easement, she left it blank.
Speaker 4: This one is a recorded easement.
Speaker 3: And if it's a recorded easement, legally recorded, and Claudia
Speaker 3: did not discover it, she would not you're saying, under
Speaker 3: these conditions, she would not have a case against anyone.
Speaker 14: Yeah, that's true.
Speaker 9: Hey, Brad, where does the title company fit in all
Speaker 9: of this?
Speaker 4: Nowhere? She didn't get title insurance? All bet? Did you
Speaker 4: get title insurance, Claudia?
Speaker 13: I did?
Speaker 12: I did, And I already had a real estate attorney
Speaker 12: in Colorado Springs, real estate attorney of thirty years. He
Speaker 12: spent a whole hour looking over the documents, and the
Speaker 12: title company had put a monkey clause in there.
Speaker 4: Hold on, hold on, hold on, hold on.
Speaker 3: That sounds like an attorney trying to appease you, a
Speaker 3: murky clause.
Speaker 4: Okay, here's what I'm asking. Okay, because I.
Speaker 3: Know you're trying to couch this in words that will
Speaker 3: make it sound like you were screwed.
Speaker 4: But what I want to know is this.
Speaker 3: Did the title insurance policy make an exception for recorded easements?
Speaker 5: No, they just didn't list it.
Speaker 12: They It was as if they were saying they didn't
Speaker 12: know there was an easement.
Speaker 4: Oh I doubt it every single time. Okay, can you
Speaker 4: send me a copy of your title commitment?
Speaker 16: Yeah?
Speaker 4: What did your attorney mean that there was a murky clause?
Speaker 12: Well, they basically said if they listed like ten things.
Speaker 3: All right, I got to take a break we'll come
Speaker 3: right back, Brad O'Brien if you could stick with us,
Speaker 3: or maybe we call you back after the break. In fact, Claudia, listen,
Speaker 3: I really want to explore this, and again, the reason
Speaker 3: I'm giving you a hard time is because.
Speaker 11: You'd have either you have a case.
Speaker 3: Oring you don't, and I'm not giving you near a
Speaker 3: hard time as someone else will on the other side.
Speaker 4: More coming up.
Speaker 3: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free, no obligation. In comparison,
Speaker 3: call Compass Insurance paying too much your coverage at dozens
Speaker 3: of insurance companies find out now three oh three seven
Speaker 3: seven to one help. You'll think you're his only customer
Speaker 3: when you choose Frank durand the real estate Man dot
Speaker 3: com to list your home with Remax Alliance three oh
Speaker 3: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 3: your troubleshooter three O three seven one three eight two
Speaker 3: five five. Brad O'Brien, I want to I want to
Speaker 3: ask you straight up on this deal. Would a title
Speaker 3: commitment list easements?
Speaker 6: Yeah?
Speaker 14: Normally time company lists recorded these miss under the exceptions.
Speaker 3: Okay, so I'm going to see if it does or not,
Speaker 3: and I thank you for your expertise.
Speaker 4: Olslaw dot com.
Speaker 3: Seven two zero three seven zero seventy three eighty eight.
Speaker 3: We're going to see you if Claudia was screwed. Did
Speaker 3: they leave that out of a title commitment? Did she
Speaker 3: have no idea it was her responsibility. We'll check it out.
Speaker 4: Coming up. I'm going to have her email me that commitment.
Speaker 3: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free, no obligation. In comparison,
Speaker 3: call Compass Insurance paying too much your coverage at dozens
Speaker 3: of insurance companies find out now three all three seven
Speaker 3: seven one help. You'll think you're his only customer when
Speaker 3: you choose Frank durand the real estate Man dot com
Speaker 3: to list your home with Remax Alliance three all three
Speaker 3: nine two zero sixteen twenty two.
Speaker 1: Yeah, Rita, you need advice who you don't have? Come
Speaker 1: run in just as fast as we can. Shooter's gonna help.
Speaker 12: Come.
Speaker 2: Man Dix is the Troubleshooter Show. Now Tom Martino.
Speaker 3: Hi, Tom Martino here, Welcome to the show. Three all
Speaker 3: three seven one three talk three all three seven one
Speaker 3: three eight two five five. What is going on in
Speaker 3: your life? This hour brought to you by Compass Insurance.
Speaker 3: For your insurance check. Make sure you're not paying too much,
Speaker 3: you're not under insured or possibly if you have a
Speaker 3: great deal, they'll tell you three h three nine nine
Speaker 3: six nine thousand, noe ball. They'll tell you one way
Speaker 3: or the other three oh three nine nine six nine thousand.
Speaker 3: I got pro bid energy with me about solar where
Speaker 3: I do have some questions on that, but we also
Speaker 3: have another interesting case.
Speaker 4: And I want to make a note.
Speaker 3: A lot of times people call and I played Devil's advocate.
Speaker 3: They think that some people think that I'm taking a
Speaker 3: stance against them. What I'm doing is putting up objections.
Speaker 3: They're going to hear.
Speaker 4: More than not more than not.
Speaker 3: If I hear flaw in the argument, or I don't
Speaker 3: think it's worth pursuing, it usually isn't. However, there have
Speaker 3: been times where I'm dead wrong and they go on
Speaker 3: to have success where I wasn't willing to help that
Speaker 3: happens very rarely and almost never when our experts agree
Speaker 3: with me.
Speaker 4: So if I have an opinion and my autox has an.
Speaker 3: Opinion that agrees, or an attorney or a doctor or
Speaker 3: some kind of expert agrees an accountant, then usually that's
Speaker 3: etched in stone. Usually, But Claudia believe she was screwed
Speaker 3: in a real estate deal because she was unaware of
Speaker 3: an easement running the length of her property, coming in
Speaker 3: about twenty feet where she can't plant anything. So she's figuring, man,
Speaker 3: that's a large part of my property. I can't plant
Speaker 3: or do anything on now. Still her property technically, but
Speaker 3: it's an easement. It has to be open for utility
Speaker 3: vehicles to gain access to an overhead power line. Here's
Speaker 3: the problem. She said she was unaware of it. Our attorney,
Speaker 3: Brad O'Brien O'Brien Legal Services, who does real estate, says
Speaker 3: it's up to consumers to know the condition of a property.
Speaker 4: Now there are disclosure statements and.
Speaker 3: People cannot make false claims on a disclosure statement. She said, well,
Speaker 3: there was one about easeman she left blank, but it
Speaker 3: wasn't about recorded easements. It says, are you aware of
Speaker 3: any un recorded easements, and the woman left it blank,
Speaker 3: so unrecorded would not apply.
Speaker 4: This was a recorded easement.
Speaker 3: So I said, all right, where would she find that out?
Speaker 3: She would find that out in a survey or an appraisal.
Speaker 3: She said, my lender did not require an appraisal.
Speaker 4: My lender did not require a survey.
Speaker 3: Now we find that almost impossible to believe, because both
Speaker 3: Brad O'Brien and myself have never seen a case where
Speaker 3: lenders have waived those. But again she said no, she
Speaker 3: never got an appraisal and never got a survey. So
Speaker 3: that's good if that's true. So now we go to
Speaker 3: the next thing. What about title insurance. I don't think
Speaker 3: any lender would waive title insurance. She said, you're right,
Speaker 3: I have title insurance. And I said, does the title
Speaker 3: insurance mention that easement?
Speaker 4: And she said no.
Speaker 3: But she said she saw a real estate attorney and
Speaker 3: there was a murky clause in there.
Speaker 4: And I said, well, what does that mean?
Speaker 3: So if there was a clause in there in any
Speaker 3: way relating to that easement, that could be construed as notice.
Speaker 3: But just so you know, no one has to tell
Speaker 3: you about easement's. So I asked her to send me
Speaker 3: that title commitment because she swears that it does not
Speaker 3: contain any.
Speaker 4: Disclosure about that easement.
Speaker 3: Again, state attorney said that would be highly unlikely, and actually,
Speaker 3: if they did miss it and it's recorded, she will
Speaker 3: have a good case.
Speaker 4: She would.
Speaker 3: That's why they make exceptions in the title commitment.
Speaker 4: What is title insurance Do you know what it is?
Speaker 3: It's insurance that says you have clear title to what
Speaker 3: you're buying, subject to recorded lians, meaning your loan or
Speaker 3: any recorded document at the time they make the commitment.
Speaker 3: So that means they're ensuring you except for exceptions that
Speaker 3: are recorded like lians, the loan on your house, any
Speaker 3: mechanics leans that are recorded, or any easements. If they
Speaker 3: miss an easement or a mechanics lean, if they miss it,
Speaker 3: they owe you for it.
Speaker 4: So really, what title insurance insures.
Speaker 3: Is not your title. It ensures their search of your title.
Speaker 3: That's technically what title insurance covers.
Speaker 4: Hey, Tom, that happened.
Speaker 3: Title insurance. Wait one second. Title insurance says, we did
Speaker 3: a search. Here are the recorded exceptions, and we guarantee those.
Speaker 3: That is what they're saying, we guarantee everything that's not accepted.
Speaker 3: They're guaranteeing their search is accurate.
Speaker 4: They're not guaranteeing your title. What were you going to say, doctor, Well.
Speaker 9: When when I bought a property to build a house on,
Speaker 9: there was a powerligne went right through the middle of
Speaker 9: the property that was never recorded, and the title company
Speaker 9: paid to have the power line rerouted along the problem.
Speaker 4: They didn't have to probably didn't have to. They didn't
Speaker 4: have to. That was a good title company.
Speaker 3: They did not have to because because the title company
Speaker 3: only ensures everything, that is, they ensure everything not accepted
Speaker 3: by recorded leans. They do not ensure anything unrecorded. They
Speaker 3: only ensure what they missed.
Speaker 4: That's all. They ensure what they missed. Did they miss.
Speaker 3: An unrecorded easement where a power line went through? If
Speaker 3: it was unrecorded, then they did not have to address it.
Speaker 3: My guest, doc not to get in the weeds with you.
Speaker 3: My guess is it was recorded somewhere.
Speaker 4: And they missed it. That's why what happened, Tom. But
Speaker 4: that's problem. That's good.
Speaker 3: That's a good title company. So in any case, here's
Speaker 3: the deal. I'll bet you she doesn't send me the
Speaker 3: title policy, and I'll bet you did she hang on, Yeah.
Speaker 17: Yeah, so she actually did send you. If you check
Speaker 17: your email, that's a wonderful emails in there.
Speaker 4: But I'm hoping she has a case here there.
Speaker 17: I'm hoping there are some documents that are missing because
Speaker 17: she claims that she does not have ownership of them.
Speaker 17: Their e documents on a PDF and they were basically
Speaker 17: taken out of her email spontaneously.
Speaker 4: What is she talking about?
Speaker 3: So she's saying that she does not have she does
Speaker 3: not have the complete title commitment.
Speaker 17: She sent me three emails, which you have in your
Speaker 17: inbox right now, and that is what she has. She
Speaker 17: already has emailed the realtor who owns quote unquote the
Speaker 17: documents to get copies of those as well if you
Speaker 17: need them. So she's working on that off.
Speaker 4: All I need is this.
Speaker 3: I just need what's called the title commitment. That's all
Speaker 3: I need, the title commitment.
Speaker 4: That's it.
Speaker 3: In the title commitment, She's already has many exceptions that
Speaker 3: are referred to numbers and who knows.
Speaker 4: It just says.
Speaker 3: It just said that there are all of these exceptions.
Speaker 3: It says exception number number one through four, exception number
Speaker 3: five except but but I don't.
Speaker 4: Know what those exceptions are. And it's funny to me.
Speaker 4: Let's see. Okay, here's what it says.
Speaker 3: Here are the exceptions, easements, leans encumbrances not shown on
Speaker 3: public records. Do you understand what it says not shown
Speaker 3: on public records? Okay, any encroachments coming to violation, blah
Speaker 3: blah blah versus.
Speaker 4: So they're saying they can't They can't.
Speaker 3: That that's obvious. They can't ensure anything that's not recorded.
Speaker 3: But let's see if they have the easement on here.
Speaker 4: Uh, yes they have.
Speaker 3: They have easements on here, specific ones, so I can't
Speaker 3: tell which one is that utilitiesman, but they certainly have
Speaker 3: a number of easements recorded on here. I just think, unfortunately,
Speaker 3: she's dead wrong. She's just dead wrong. It was on
Speaker 3: her title commitment. Here's what I hate about attorneys. Okay,
Speaker 3: I like attorneys for the most part because we deal
Speaker 3: with attorneys, But some of.
Speaker 4: Them are liars.
Speaker 3: Why do they lie when they don't want to take
Speaker 3: a case.
Speaker 4: They should just tell someone why?
Speaker 3: Instead they often lie as well, you have a good case,
Speaker 3: but or this clause is murky. I think you'll win. Well,
Speaker 3: why aren't you taking the case. Well, I'm kind of loaded.
Speaker 4: Up right now.
Speaker 3: If an attorney ever tells you they're too busy for
Speaker 3: your case.
Speaker 4: Here's what they're saying.
Speaker 3: Okay, their mouth is saying we are too busy for
Speaker 3: your case, but inside their head they're saying this is
Speaker 3: not a good case.
Speaker 4: Go away.
Speaker 3: Just remember that, please, because it's just the truth. And
Speaker 3: all your attorneys out there right now are nodding your heads.
Speaker 4: Yes, you're all nodding your heads. Yes, Joanne. What's going
Speaker 4: on with your extended warranty?
Speaker 5: Hi?
Speaker 18: Tom, taking my call. I'm just curious. I bought a
Speaker 18: new Subaru.
Speaker 5: It has all the bells and whistles and.
Speaker 18: All kinds of electronics. What models it's on it it's
Speaker 18: a touring.
Speaker 4: Nice car, Thank you. I like what's going on? What's
Speaker 4: going on?
Speaker 13: Well, I'm just curious.
Speaker 18: They're pushing me to buy the extended warranty, and I
Speaker 18: just wonder, with all the added components, all the electronics
Speaker 18: and all the dads, is it worth it to buy that?
Speaker 9: No?
Speaker 4: What? I love that question.
Speaker 3: If you can hang on, I'm going to answer specifically
Speaker 3: about that car and the extended warranty. Hang on, go
Speaker 3: with a sure thing Denver's Best roofer Excel roofing dot Com.
Speaker 3: You don't pay a cent until you're content. Time for
Speaker 3: an insurance checkup free, no obligation. In comparison, call Compass
Speaker 3: Insurance paying too much your coverage at dozens of insurance
Speaker 3: companies find out now three all three seven to seven
Speaker 3: to one.
Speaker 4: Help.
Speaker 3: You'll think you're his only customer when you choose Frank
Speaker 3: durand the real estate man dot com to list your
Speaker 3: home with Remax Alliance three all three nine two zero
Speaker 3: sixteen twenty two. Hi Tom Martine, you're a troubleshooter.
Speaker 4: Here's a text. Tom. You're wrong.
Speaker 3: About your generalization of why an attorney won't take a.
Speaker 4: Case again, take a case? Okay, he says again.
Speaker 3: I'm an attorney, and there are times when I'm too
Speaker 3: busy and I wouldn't be able to give a new
Speaker 3: case the time it needs.
Speaker 4: I'm sure John Fuller wouldn't take.
Speaker 3: A case if he can't give it the attention it
Speaker 3: needs due.
Speaker 4: To lack of time.
Speaker 3: I agree that sometimes attorneys don't take cases for various reasons,
Speaker 3: but being too busy as one of them.
Speaker 4: Okay.
Speaker 3: I believe my generalization is correct, and that there are
Speaker 3: exceptions when somebody is truly too busy.
Speaker 4: But even John Fuller or any personal injury attorney.
Speaker 3: If there's a ten million dollar case staring him in
Speaker 3: the face and there's another one that's obviously obviously not
Speaker 3: going to reach the threshold of one hundred or two
Speaker 3: hundred thousand, there will be a setting of priority.
Speaker 4: I don't care who you are.
Speaker 3: Okay, I'm not accusing attorneys of dropping a case.
Speaker 19: But come on.
Speaker 4: Now, Okay, you can tell me that's not true. And
Speaker 4: I know they won't neglect anyone. I know that.
Speaker 3: But there are also civil cases and civil cases that
Speaker 3: are great slam dunks with great damages, and others that
Speaker 3: are a pain in the ass with limited damages. And
Speaker 3: if you're an attorney listening, just come on, come clean
Speaker 3: and be straight. I've had so many people call this
Speaker 3: show with the most asinine cases in the world and
Speaker 3: they tell me their attorney said they had a great case,
Speaker 3: but they're too busy. Now, I imagine if all cases
Speaker 3: are the same, they would take it based on how
Speaker 3: busy they are. But don't tell me an attorney's office
Speaker 3: wouldn't shuffle a little to get a great case on
Speaker 3: the board. Give me a break. Three zero three seven
Speaker 3: one three talks seven one, three, eight, two, five, five. Yes,
Speaker 3: there are saints, but few of them have esquire at
Speaker 3: the end of their name, Joanne. Let's talk about your
Speaker 3: extended warranty. That car comes with a warranty. It comes
Speaker 3: with a three year, thirty six thousand.
Speaker 4: Mile warranty, right, Chris, And it has a powertrain warranty
Speaker 4: of five years and sixty thousand miles. Now here's what
Speaker 4: I always ask dealers because they hate when I asked this.
Speaker 4: What kind of a warranty were they presenting.
Speaker 12: To you ten year or one hundred thousand miles?
Speaker 3: And they also have another one that's one hundred and
Speaker 3: twenty thousand miles, right?
Speaker 4: Yes, an eight year?
Speaker 3: Yeah, okay, So let's get to this ten year, one
Speaker 3: hundred thousand miles right immediately, Immediately take three years off
Speaker 3: of that and thirty six thousand miles because it's not
Speaker 3: extending the three years. If you extended the three years
Speaker 3: with a ten year extended warranty, how many years warranty
Speaker 3: would you have?
Speaker 4: That would be thirteen, that's right, But you don't have thirteen,
Speaker 4: that's right. But you won't have thirteen.
Speaker 3: You'll have an additional seven, and you'll have an additional
Speaker 3: seventy thousand miles or sixty something thousand miles, right, yes,
Speaker 3: So that's that's the first thing to take into consideration.
Speaker 3: There is not one thing covered by an extended warranty
Speaker 3: that your factory warranty won't cover.
Speaker 4: So my question is twofold or more than twofold?
Speaker 3: How long do you keep a car?
Speaker 8: This one?
Speaker 12: I don't plan on trade again at all.
Speaker 4: You want to run the wheels off it. You want
Speaker 4: to run the wheels off it? How old are you?
Speaker 4: I am in my seventies, okay, now you want to
Speaker 4: run the wheels off it.
Speaker 3: Don't buy the extended warranty, okay, because it's not an
Speaker 3: extended warranty. If anyone would sell me a true extended warranty,
Speaker 3: I would buy it.
Speaker 4: I would. I actually would. If you tell me, do
Speaker 4: you want to add speak? Because really the numbers are
Speaker 4: off because you divide.
Speaker 3: That new warranty by ten years to see what you're
Speaker 3: paying per year. How much do they want for that warranty?
Speaker 12: It's right around three thousand dollars.
Speaker 3: It's not a terrible price, by the way, but that's
Speaker 3: divided by seven, so that's not divided by ten. That's
Speaker 3: about four hundred and thirty bucks a year, or we
Speaker 3: can break it down by the mile. Normally, an extended
Speaker 3: warranty people buy it to extend the mileage coverage, not
Speaker 3: the time coverage, because most people go above the mileage.
Speaker 3: And there's nothing wrong with having a one hundred thousand
Speaker 3: mile warranting, nothing at all, And you can have one.
Speaker 4: I'm going to explain something to you I have.
Speaker 3: I bought a new X seven bmw Okay, a fIF
Speaker 3: fifty I top of the line suv, and every single
Speaker 3: person at the dealership told me I needed an extended
Speaker 3: warranty And I said why and they said, because it's
Speaker 3: going to cost you. It's going to be this and
Speaker 3: they're so expensive and everything goes wrong, and I said, well,
Speaker 3: I have a factory warranty.
Speaker 4: So I said no.
Speaker 3: So I'm coming up now on the end of my warranty,
Speaker 3: and guess what I'm getting through the mail warranty offers.
Speaker 3: That's exactly right, I'm getting warranty offers. And the warranty
Speaker 3: offers are exactly the same as they were when I
Speaker 3: bought the car, except I'm getting that extra time. I'm
Speaker 3: actually extending the warranty, and they're offering to take effect
Speaker 3: on the day my other one expires, and it's from BMW.
Speaker 4: So people, here's what you have to understand.
Speaker 3: Extended warranties are nothing more than grosser uppers.
Speaker 4: That's all. They are increased profits.
Speaker 3: Nothing wrong with that, but they're not of good value.
Speaker 4: That's all I'm saying.
Speaker 3: Just like the windshield coverage, the theft protection, the.
Speaker 4: Mop and glow, none of that is worth any any
Speaker 4: of it.
Speaker 3: You can get any one of them, including credit insurance,
Speaker 3: which you should never get. You should simply get life insurance.
Speaker 3: But none of that is worth the money, none of it.
Speaker 3: The F and I, which is finance and insurance guy
Speaker 3: or woman. They're made to gross up the sale. That's
Speaker 3: all they're there for is to gross up the sale.
Speaker 3: There is one thing I would buy. Prepaid maintenance is
Speaker 3: a wonderful option they have.
Speaker 4: Okay.
Speaker 3: Prepaid maintenance is where you get to pay for the.
Speaker 4: Maintenance you know you're gonna need, you.
Speaker 3: Know, like the like the twelve thousand if they have
Speaker 3: one our twenty four thousand and thirty six thousand mile checks.
Speaker 3: Because those are sold at a discount, and the reason
Speaker 3: they're sold at a discount, so they want to keep
Speaker 3: you coming back. So if you're gonna be there and
Speaker 3: go back to that dealer, it's really a go or
Speaker 3: go back to a super.
Speaker 4: Dealer, depending on the one you buy. They're good deals.
Speaker 3: Prepaid maintenance is a good idea, not an extended warranty.
Speaker 4: Do you know what a prepaid maintenance is? Right? They
Speaker 4: you simply pay for maintenance. You know you're gonna need
Speaker 4: to keep to keep the worm.
Speaker 20: Like oil changes, well, some of them do, some of
Speaker 20: them don't.
Speaker 4: Some of them.
Speaker 3: I'm talking about the factory authorized and factory recommended intervals
Speaker 3: to keep the warranty alive, you know, Like I don't
Speaker 3: know when's the first time you bring that back at
Speaker 3: twenty thousand, ten thousands, it's usually about ten thousan twelve.
Speaker 4: Thousand, whatever it is. I pay for those.
Speaker 3: And there's one other thing I buy, which I never
Speaker 3: thought I would buy, but I buy.
Speaker 4: This is me and that's wheel protection.
Speaker 3: Let me explain why if you put in insurance claims
Speaker 3: for your wheels being dinged or scratched or scraped, which,
Speaker 3: by the way, the fancier the wheel, the more it
Speaker 3: attracts damage.
Speaker 4: Okay, So.
Speaker 3: I'm telling you you go look at a fancy carn
Speaker 3: of parking.
Speaker 4: Lot, and you'll see those wheels gunked up like hell.
Speaker 3: If you put in insurance claims for those, you'll be
Speaker 3: canceled in a hard beat and you'll be paying more
Speaker 3: for insurance than it's worth. But if you buy wheel protection,
Speaker 3: and I didn't buy it on my Beamer the first time,
Speaker 3: and then after that, I'd never stopped because I said,
Speaker 3: I'm not paying fourteen hundred bucks. I'm not paying fourteen
Speaker 3: hundred bucks. And then guess what happened. Two wheels got
Speaker 3: scraped up. Two wheels cost me three thousand dollars to fix,
Speaker 3: or no more than that thirty eight hundred bucks. And
Speaker 3: for fourteen hundred they would have fixed them or replaced them.
Speaker 3: So I like wheel coverage. If you have fancy wheels,
Speaker 3: I like prepaid maintenance. I will not buy an extended
Speaker 3: warranty until my other warranty starts running out. Okay, there,
Speaker 3: you got a lot of good advice, and you have
Speaker 3: a really nice car. By the way, Paul has a
Speaker 3: quick comment, Go ahead, Paul, And then I got to
Speaker 3: take a break.
Speaker 4: Go ahead, Paul, what's your comment?
Speaker 13: Hey, Tom, First of all, I didn't hear the model
Speaker 13: with this woman owns of the silver.
Speaker 5: She said the trim was a tour right in here
Speaker 5: the model?
Speaker 4: Did you?
Speaker 5: Oh?
Speaker 4: I thought that was the model. I'm sorry, So.
Speaker 13: The touring is the trim level, okay, as first of all. Secondly,
Speaker 13: but either way, so, I've owned a bunch of Subaru's.
Speaker 6: Brand new.
Speaker 13: Twenty nineteen Ascent when they first came out. I now
Speaker 13: own a twenty three Ascent brand new. I own a
Speaker 13: twenty two, and I bought extended warranties on right now
Speaker 13: two out of the three and had very good experience
Speaker 13: with it. I so very very Paul, Paul.
Speaker 4: I got to take a break and I'll come right
Speaker 4: back to you. I promise. I'm not telling you you
Speaker 4: won't ever use an extended word. I'm telling you the
Speaker 4: worst time to buy it is when you buy the car.
Speaker 4: You can buy a cheaper and extend longer after the
Speaker 4: original one runs out. There's no reason to pay for
Speaker 4: concurrent coverage. More coming up.
Speaker 3: Go with a sure thing Denver's best roofer Excel roofing
Speaker 3: dot com.
Speaker 11: You don't pay a cent until you're content, wait.
Speaker 3: Time for an insurance check up free, no obligation in
Speaker 3: comparison call Compass Insurance paying too much your coverage at
Speaker 3: dozens of insurance companies find out now three all three
Speaker 3: seven to seven to one.
Speaker 4: Help.
Speaker 3: You'll think you're his only customer when you choose Frank
Speaker 3: durand the real estate man dot Com to list your
Speaker 3: home with Remax Alliance three all three nine two zero
Speaker 3: sixteen twenty two. Hi, Tom Martino, you're a troubleshooter three
Speaker 3: all three seven one three talk three oh three seven
Speaker 3: one three eight two five five.
Speaker 4: All right. So I was saying that I buy extended
Speaker 4: warranties at the end of my factory warranty. I don't
Speaker 4: pay for concurrent coverage. I get it for cheaper than
Speaker 4: the dealer.
Speaker 3: Offered it up front, So there's no reason for me
Speaker 3: to pay for coverage I'm not using. There's not one
Speaker 3: thing an extended warranty pays for that your factory warranty
Speaker 3: won't pay for. So I think we're in agreement, Paul.
Speaker 3: I like extended warranties when you buy them correctly. You
Speaker 3: said you buy them when you buy the car, and
Speaker 3: you've had good luck, keep going go ahead.
Speaker 13: I never said. I never said I bought them when
Speaker 13: I'd buy the car, I said, I, oh, for the vehicles. Now,
Speaker 13: so here's here, let's fact, when.
Speaker 3: Do you buy them, Paul, when do you buy your
Speaker 3: extended warranty?
Speaker 13: Well, for super, first of all, it's very clear these
Speaker 13: are manufacturer warranties. These aren't third party quarranties.
Speaker 11: That's right.
Speaker 13: I'm consuming and I'm assuming that this woman the way
Speaker 13: she was sort of describing it, although it was briefly
Speaker 13: described that it was in fact the sublu factory warranty.
Speaker 13: So those are really good as warrant as extended warranties go. Secondly,
Speaker 13: I buy them at about thirty thousands, generally at about
Speaker 13: thirty thousand miles. But here's the downside on that, And
Speaker 13: it happened to me with my wife's out twenty two outback,
Speaker 13: just a couple of weeks ago.
Speaker 6: I bought it.
Speaker 13: The price went up between January of this year and
Speaker 13: August by three hundred dollars. So, first of all, the
Speaker 13: price is all negotiable. She played a pretty good price. Well,
Speaker 13: depending upon the deductible for her one hundred thousand, Well
Speaker 13: does she say she had a ten year one hundred thousand.
Speaker 3: That's the one that's the one she's considering.
Speaker 5: Yes, okay, So a couple of things.
Speaker 13: Number one, the prices do go up generally year to year,
Speaker 13: not a lot. So it was pretty good at holding down.
Speaker 6: All their prices.
Speaker 13: But the price goes up, so you list that now
Speaker 13: if you can negotiate a really good price near the
Speaker 13: beginning of your purchase. Now it doesn't have to You
Speaker 13: don't have to buy it from that dealer. You can
Speaker 13: buy it from any dealer. I actually I'm in Denver,
Speaker 13: and I bought my warranty extended warranty from a place
Speaker 13: dealership in Puebla over the phone. It took me fifteen
Speaker 13: minutes negotiate it, signed contract, the whole bit end the story,
Speaker 13: and I gave them. I knew what the prices were
Speaker 13: for the dealer their price, so I gave them two
Speaker 13: three hundred dollars. I think it was over for the outback.
Speaker 13: I bought it a ten year, one hundred and twenty thousand,
Speaker 13: zero deductibles. So they have different deductibles. I would recommend
Speaker 13: a zero deductible when you get it now. On my
Speaker 13: other I would never roll it into the financing because
Speaker 13: then you're just paying money unnecessarily, you know, interest rates,
Speaker 13: et cetera. That's another item. Here's an item that most
Speaker 13: super owners who bought new cars don't know that. The
Speaker 13: factory warranty comes with wearable parts warranties for certain items.
Speaker 13: They get free windshield wipers, they get a an align,
Speaker 13: a free and alignment. They get brake pads, pree brake
Speaker 13: pads service and break parts service for three years that
Speaker 13: comes with the factory warranty. No matter when you buy
Speaker 13: that extended warranty, it's going to be concurrent. Even if
Speaker 13: you buy it at the end of the fact, you
Speaker 13: have to buy it before the factory warranty runs out,
Speaker 13: and you're get well.
Speaker 3: Paul, Paul, what you're saying. What you're saying is correct.
Speaker 3: If you buy it before the factory warranty runs out,
Speaker 3: the ten year warranty goes back to the in service date,
Speaker 3: which means you're not getting the full ten years.
Speaker 13: You're right, right, no matter when you buy it, but
Speaker 13: you have.
Speaker 4: To accept and accept accept.
Speaker 3: In my case, you don't have to buy the last
Speaker 3: three years. You can truly buy a warranty going forward.
Speaker 4: And and and.
Speaker 3: It's so so it depends on what they offer.
Speaker 4: Now.
Speaker 3: If that's the only if super rule only all offers
Speaker 3: warranties back to the in service date, well then you're
Speaker 3: buying the same thing as if you bought it new.
Speaker 3: So that would to me that defeats the whole purpose
Speaker 3: of waiting.
Speaker 13: No, it's it's first of all, it all has to
Speaker 13: do with dollars and risk aversion. You know what your
Speaker 13: account Well, of course, Paul, of course it does.
Speaker 4: Of course it does.
Speaker 3: All I'm saying is this, if you buy a ten
Speaker 3: year warranty that goes retroactively back three years or four years, okay,
Speaker 3: you're getting You're not getting three or four years of
Speaker 3: the ten years.
Speaker 13: Right, of course, And you should know that going in.
Speaker 13: As long as you know it, you make your personal
Speaker 13: financial decision.
Speaker 4: As long as you know it.
Speaker 3: There are ways that you can get a better deal
Speaker 3: by truly extending your coverage.
Speaker 13: Not with a factory warranty.
Speaker 4: Well maybe not with Suberru.
Speaker 3: Okay, maybe not with suber Ru, but I did it
Speaker 3: with Mercedes, and I did it would.
Speaker 13: Be that's fine, that's fine, we're talking suber I thought. Okay,
Speaker 13: so that's that piece.
Speaker 3: Secondly, and by the way, I will say this, there
Speaker 3: are some not all, and I don't know.
Speaker 4: I wouldn't be able.
Speaker 3: To compare them unless I knew the prices and what
Speaker 3: they cover. But there are some third party warranties that
Speaker 3: are not shlock.
Speaker 4: Now.
Speaker 3: I'm not talking about these stupid things we see advertised
Speaker 3: on TV by Iced Tea and the rest of them saying,
Speaker 3: you know, buy this, uh this whatever they call them,
Speaker 3: these service contracts where you pay car shield and all
Speaker 3: that crap. But there are some other extended warranties that
Speaker 3: aren't terrible. Listen, Paul, I would love to pontificate all
Speaker 3: day on this, but I got to take this break.
Speaker 4: We got more coming up.
Speaker 3: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance checkup, free obligation. In comparison, call
Speaker 3: Compass Insurance paying too much your coverage at dozens of
Speaker 3: insurance companies find out now three all three seven to
Speaker 3: seven to one help. You'll think you're his only customer
Speaker 3: when you choose Frank durand the real estate Man dot
Speaker 3: com to list your home with Remax Alliance three all
Speaker 3: three nine two zero sixteen twenty two. Hi Tom, Martino,
Speaker 3: you are troubleshooter three all three seven one three talks
Speaker 3: seven one three eight two five five. Okay, so solar,
Speaker 3: A lot of people think the UH tax credits will
Speaker 3: be phased out. What do you think? Let me go
Speaker 3: to a watch I hear. What do you think, sir?
Speaker 3: If we have probate energy with us.
Speaker 10: Yes, I don't think they're gonna be phased out. I mean,
Speaker 10: it's an inflation Cares act as goes through.
Speaker 3: Twenty in my opinion. First of all, Democrats are in.
Speaker 3: They'll definitely stay right.
Speaker 4: Yes, they love them, and I mean not I'm not
Speaker 4: saying Republicans don't like solar, but definitely with the climate
Speaker 4: agenda and all that, everyone wants solar. But how do
Speaker 4: the Republicans feel? Do you know?
Speaker 7: Yeah, I don't really know. I mean they go I.
Speaker 4: Mean, do you think the tax credits are here to stay?
Speaker 7: I think they are. I think they are.
Speaker 3: But it wouldn't matter because if you get it while
Speaker 3: it's they're in effect, you're going to get They're not
Speaker 3: going to go retro on you, correct.
Speaker 10: I mean, the money is there, the funding is already
Speaker 10: in place, it's already being dispersed to the States. So
Speaker 10: I think it's going to stay. I hope it stays.
Speaker 4: What about the actual, the actual implemmation implementation of these grants.
Speaker 4: Do you think we're going to see more of them
Speaker 4: for businesses?
Speaker 7: Yeah? I hope.
Speaker 10: So those REAP grants have really now REAP is for commercial, ye,
Speaker 10: commercial and agricultural commercial, and after that we have a
Speaker 10: few in the queue. It's pretty exciting for these farmers
Speaker 10: to be able to take advantage of something.
Speaker 4: So they can actually put solar up. And as as
Speaker 4: they put put up solar, if they have an agricultural operation,
Speaker 4: they can get a REP grant.
Speaker 7: They could apply for.
Speaker 3: One, yes, and does it have to be commercial agriculture, Yes,
Speaker 3: it does. I don't know what qualified, right. And then
Speaker 3: are they able to sell back to the grid.
Speaker 10: They are, But again there's RACS renewable energy credits. I
Speaker 10: think excels paying around four cents a kill a lot.
Speaker 3: So yes, So if you're going to get it paid
Speaker 3: for any way by the government, why not get it
Speaker 3: paid to put in a bigger system, right? Won't they
Speaker 3: let you go more than you need?
Speaker 7: You can't go it like seals up to two hundred percent.
Speaker 3: It's okay, So if you build something two hundred percent,
Speaker 3: get it paid for or most of it paid for,
Speaker 3: theoretically you could have a money maker on your hands
Speaker 3: with very little cash outlay.
Speaker 4: Good.
Speaker 10: Yes, possibly if the roes there. Absolutely, and we're doing
Speaker 10: commercial too, same thing. There's racs available for these commercial
Speaker 10: buildings that have to decarbonize.
Speaker 7: They have to load their carbon footprint.
Speaker 3: And Denver, that's Denver, talk about that appropriateenergy dot com.
Speaker 3: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 3: dot com.
Speaker 11: You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free, no obligation comparison
Speaker 3: call Compass Insurance. Pay too much your coverage at dozens
Speaker 3: of insurance companies find out now three oh three seven
Speaker 3: seven to one help. You'll think you're his only customer
Speaker 3: when you choose Frank durand the real estate man dot
Speaker 3: com to list your home with Remax Alliance three oh
Speaker 3: three nine two zero sixteen twenty two.
Speaker 4: Rift you needed, that's who you don't have to.
Speaker 1: Runs as we can. Shooter's gonna help come.
Speaker 4: This is the Troubleshooter Show.
Speaker 3: No Toel Martinez, Hi, Tom Martin, Hi Tom Martino.
Speaker 4: Here welcome to the show.
Speaker 3: Three all three seven one three talk three all three
Speaker 3: seven one three eight two five five here to help
Speaker 3: you any way.
Speaker 4: We can't now listen. I want to tell you that
Speaker 4: we have.
Speaker 3: A follow up on a very important gun discussion we
Speaker 3: were having yesterday, not on gun rights or political stuff,
Speaker 3: but on the way a lot of gun dealers are
Speaker 3: doing things and anyway.
Speaker 4: Kelly, I want you to call the guy that we
Speaker 4: had on.
Speaker 3: He's a really nice guy on a referral list, but
Speaker 3: he was the one that gave us some information because
Speaker 3: we need to set the record straight. There was a
Speaker 3: lot of wrong information given and I want to talk
Speaker 3: about it because I don't want wrong information going out
Speaker 3: on the show.
Speaker 4: I want to bring up.
Speaker 3: Bow Deputy Bou used to be a federal firearms dealer,
Speaker 3: and Bo, here's what happened. We were told that in
Speaker 3: the gun industry it's standard never give a refund for
Speaker 3: a firearm.
Speaker 4: Now I understand that, and that's fine with me. I
Speaker 4: don't care.
Speaker 3: In fact, it's against federal law to do refunds on
Speaker 3: firearms once they're taking delivery, and I look that up.
Speaker 3: So we're not talking about that, though we were talking about
Speaker 3: where people put a deposit down on a gun and
Speaker 3: then fail the background check. We were told that most
Speaker 3: gun dealers will keep your money if your background check
Speaker 3: does not get approved. And I said, well, that's just
Speaker 3: not right because I didn't purchase the gun yet. And
Speaker 3: if I didn't purchase the gun, how can you say
Speaker 3: it's a refund.
Speaker 4: You're not taking a gun back. I never took the gun.
Speaker 3: And some of the people that texted me and somebody
Speaker 3: we had on the show said well, it is kind
Speaker 3: of like.
Speaker 4: It is kind of like a refund, and I said, no,
Speaker 4: it's not. We're not buying the gun, we're putting a
Speaker 4: deposit down. Then he said, well, we can't even do
Speaker 4: a background check until we have a specific gun, so
Speaker 4: we may have to order a gun for you because
Speaker 4: you can't do a background check without a specific serial number.
Speaker 3: So now there's two laws involved here. We have federal
Speaker 3: law for firearms, and then we have the state Bureau
Speaker 3: of Criminal Investigation BCI, and the background checks are controlled
Speaker 3: by the state.
Speaker 21: Is that right, bo, Yes, I made a few calls.
Speaker 15: I talked to.
Speaker 21: A field agent who is willing to talk to me yesterday,
Speaker 21: and the ATF has no jurisdiction or power over these
Speaker 21: background checks. That's through the car ratt a Bureau of Investigation,
Speaker 21: and regarding the serial numbers. This, when a gun dealer
Speaker 21: orders a gun, they know the serial number the gun
Speaker 21: when they order it because they're ordering it from a
Speaker 21: manufacturer or a master distributor.
Speaker 15: So for these dealers to say, well, we don't want.
Speaker 3: Wait a minute, but do you need a serial number
Speaker 3: to run a background check?
Speaker 21: I called the CBI this morning and no, you do not.
Speaker 21: The background check is for the individual.
Speaker 4: And it.
Speaker 21: Is not required not required by this the CBI, they're
Speaker 21: looking at the individual. On the federal side, the ATF
Speaker 21: they control the serial number the gun. Now, when a
Speaker 21: gun dealer calls into the CBI, they normally ask what
Speaker 21: kind of gun? Is it a handgun or a rifle.
Speaker 21: But the CBI told me they don't ask for the
Speaker 21: serial number. But when the background check is completed, they
Speaker 21: normally attached the background check approved to the forty four
Speaker 21: of the federal form. So but the CBI does not
Speaker 21: care about the serial number of the gun. They're just
Speaker 21: trying to check the individual, which is the state law,
Speaker 21: not the federal law.
Speaker 3: So technically, before taking a deposit on a gun. They
Speaker 3: could simply make you pay for the background check if
Speaker 3: they wanted to.
Speaker 21: Yes, I talked to three gun dealers this morning, and
Speaker 21: all of them said, if you fail the background check,
Speaker 21: you have to pay. I believe it's a fifty or
Speaker 21: sixty dollars dollars denial fee if you fail the background check.
Speaker 15: Now, one gun.
Speaker 21: Gun shop was just quote, it's centennial. I think they're
Speaker 21: upstanding shop. They said, if the person fails the background check,
Speaker 21: they will if they buy the gun through the gun
Speaker 21: shop or ordered in, they will give the customer their
Speaker 21: money back.
Speaker 15: Now, a couple of other gun shops I talked to.
Speaker 3: Because they didn't yet buy it, because you can't.
Speaker 4: Buy it until you pass.
Speaker 21: They did not take possession of the firearm right so
Speaker 21: if they paid for it, and if they can't take possession,
Speaker 21: well the gun shop can't keep the gun and the
Speaker 21: money from the individual. But Tom, there are two deals
Speaker 21: big shops here in town that told me if a
Speaker 21: person fails the background check that they they're going to
Speaker 21: keep the they're going to keep they're not going to
Speaker 21: give them the gun, of course, but they're going to
Speaker 21: keep the purchase price. And I just don't think that's right.
Speaker 21: And these dealers say, well, it's the law. Well, it's
Speaker 21: not not the law. It's the business practice of a dealer.
Speaker 3: In my opinion, if a dealer takes a deposit on
Speaker 3: a gun or payment on a gun and runs a
Speaker 3: background check and you don't pass the background check and
Speaker 3: they keep all of the money, they are screwing you
Speaker 3: and defrauding you.
Speaker 4: That's my opinion.
Speaker 15: And it has nothing to do with the ATF.
Speaker 9: Law they pay caause has anybody tested that with a
Speaker 9: credit card company? In other words, if you buy the
Speaker 9: gun with a credit card and you don't get it,
Speaker 9: has anyone called the credit card company and said, I
Speaker 9: never got the item. I want you to take it
Speaker 9: off my credit card?
Speaker 4: Uh huh, I don't know about it.
Speaker 15: Doc has a valid point.
Speaker 21: If the person goes in and pays for the deposit
Speaker 21: or that pays for the entire gun upfront, which a
Speaker 21: dealer is going to want to do if they have
Speaker 21: to order it. If they pay the credit card and
Speaker 21: they get denied on the background shit, they can contest
Speaker 21: the credit.
Speaker 6: Yeah.
Speaker 3: Well, first of all, don't do business. Don't do business
Speaker 3: with anyone who makes you pay for the gun and
Speaker 3: won't refund the money if you fail the background don't
Speaker 3: ever do it, Okay, don't ever do business with gun
Speaker 3: dealers who do that.
Speaker 4: A gun dealer.
Speaker 3: Should take a deposit or excuse me, a gun dealer
Speaker 3: can charge you anything they want on the hope you're
Speaker 3: gonna pay ass and take delivery. But if you don't
Speaker 3: take delivery, there's no way they should keep your money.
Speaker 4: No way.
Speaker 3: There's no law that says they have to. There's no
Speaker 3: law that says it's a refund. All of that information
Speaker 3: is wrong. It is not a purchase until you take delivery.
Speaker 3: And that's what the and we checked with the ATF
Speaker 3: and with the BCI. So basically, you do not need
Speaker 3: a serial number for the background check to make it valid,
Speaker 3: and you do not have to buy the gun to
Speaker 3: make it valid.
Speaker 4: It's a bunch of crap.
Speaker 3: We had a dealer one time tell us a few
Speaker 3: years ago, he went to prison. He was telling us
Speaker 3: that you buy the gun.
Speaker 4: Okay, you buy the gun, you do the background check.
Speaker 3: If you fail the background check, since you bought the gun,
Speaker 3: they can't give you a refund. They're going to keep it.
Speaker 3: He went to jail. Now, not for that. But for
Speaker 3: that and a lot of other stuff. Now here's the
Speaker 3: bottom line. You don't buy the gun. You can't buy
Speaker 3: the gun until you pass the background So you know,
Speaker 3: I'm sorry gun dealers, but so once we're keeping your money.
Speaker 3: If you fail a background check, if that has happened
Speaker 3: to you, you have been screwed.
Speaker 4: You have been defrauded.
Speaker 3: Any dealer, anyone who sells a gun and says you
Speaker 3: must pay for it and you're not going to get
Speaker 3: your money back, do not do business with them.
Speaker 4: They are wrong. Okay, they are absolutely wrong.
Speaker 3: They can qualify you before they order the gun. They
Speaker 3: don't have to order the gun first. They can first
Speaker 3: qualify you and make sure you're in a pass then
Speaker 3: they can order the gun, or they can do it
Speaker 3: the other way around if they want.
Speaker 15: That's right.
Speaker 21: And Tom, I want to point out the ATF Asian
Speaker 21: I talked to, said they get a lot of complaints
Speaker 21: into their office about this practice, and they think the
Speaker 21: ATF can do something about these refunds.
Speaker 15: But that is a business pres We.
Speaker 3: Need to do a class action, not a class action
Speaker 3: because they're all different gun dealers, but we need.
Speaker 4: To do a test case.
Speaker 3: So because if anybody out there, anyone who has has
Speaker 3: been denied a refund, I want to know anyone.
Speaker 15: I'd like to know too.
Speaker 21: And out of the three gunshops Centennial Gun Club out
Speaker 21: here on this side of town, they're the only gun
Speaker 21: shop that I talked to out of three that are
Speaker 21: willing to give a refund if someone is denied on
Speaker 21: it on the check.
Speaker 4: You mean, all the rest of them keep the money.
Speaker 21: I'm gonna tell you right up front. The Denver Gun
Speaker 21: Room and Green Mountain Guns told me that they will
Speaker 21: keep the money if you are denied on.
Speaker 15: The on the check.
Speaker 21: And I think the Denver Gun Room told me if
Speaker 21: I get the night on the check that David.
Speaker 15: They would call and have me arrested.
Speaker 4: Why, I don't know.
Speaker 21: I said, Look, all I want to know is where
Speaker 21: you refund the money. Well, if you're denied, we're just
Speaker 21: gonna call the cops and have you arrested.
Speaker 15: I thought they were total er.
Speaker 4: Well I guess, well, no, if you lied, I guess
Speaker 4: they could.
Speaker 3: I mean, you know, if you lied on the form.
Speaker 3: But sometimes people don't know, they're not good.
Speaker 15: They don't know it's an innocent thing.
Speaker 21: Something could have happened and they're last twenty years ago
Speaker 21: that they like they forgot, you're riot that called any
Speaker 21: other day. We're chopper helped out getting his money some
Speaker 21: harassment charge that he probably forgot right now.
Speaker 15: Now here's I want to point out.
Speaker 3: And by the way, by the way, even if you
Speaker 3: did line your background, I mean that is that.
Speaker 4: That is a crime, but that still doesn't give them
Speaker 4: the right to keep your money.
Speaker 15: No, absolutely not.
Speaker 7: Credit.
Speaker 10: You can be denied for a gun. So there's a
Speaker 10: lot of reasons why you can get denied.
Speaker 7: That's not right.
Speaker 3: Wow, Okay, let's let's talk to Glade, who has a comment?
Speaker 4: Go ahead, Glade, what's your comment?
Speaker 6: Hey?
Speaker 5: Tom?
Speaker 6: Hi Tom?
Speaker 20: Hey, Hey, what I've always wondered, If you have a
Speaker 20: CCW and you've gone through the background check, which was
Speaker 20: much more stringent than any background check for buying a gun,
Speaker 20: why do you need another background check every time you
Speaker 20: buy a gun?
Speaker 4: I don't in case, in case something in case something
Speaker 4: new came up.
Speaker 20: Well, if something new came up a restraining order, wouldn't
Speaker 20: they come after you after you? Wouldn't they come after
Speaker 20: your I.
Speaker 3: Have no idea that I don't know about, but I
Speaker 3: don't mind you doing a background check every time you
Speaker 3: buy a gun.
Speaker 4: I don't mind that. I guess well.
Speaker 20: It's I mean, there's as high as fifty dollars.
Speaker 15: Now it's a state law.
Speaker 6: Why do I need a.
Speaker 4: Fifty It's a state law.
Speaker 21: You have to do it on every gun purchase. Now,
Speaker 21: you can go into a gun shop and order ten
Speaker 21: firearms and you're only going to do the one background
Speaker 21: check because it's a one time purchase for ten. But
Speaker 21: if you go in a week later and by or
Speaker 21: the next day and buy a firearm, that's the you're
Speaker 21: going to be submitting another background check.
Speaker 3: All right, hold on, let me let me basically, I mean, Glade,
Speaker 3: that's the law. I mean, I don't know why. I
Speaker 3: really don't. Steve, what's your comment?
Speaker 4: Go ahead? Eve?
Speaker 19: I think my comment is is, so, let's let's say
Speaker 19: you have a conceiled carry.
Speaker 6: You went through all the all.
Speaker 4: That's what this guy was just saying. Did you hear him? Yeah?
Speaker 22: Go ahead, Yeah, So you have your consil carry, You've
Speaker 22: already you've already shown that you have no record, and
Speaker 22: so now you look at it.
Speaker 5: As like, well, why do I need another one? I
Speaker 5: can show you my conceal carry I've done, I've done.
Speaker 15: And Steve.
Speaker 4: The only thing I can think, the only thing I
Speaker 4: can think of is if you leave and come back,
Speaker 4: it's a second purchase, and the purchase has to be
Speaker 4: a run through background. Again.
Speaker 3: Why the only reason I can say it's state law.
Speaker 3: And why is the state law that way? Maybe in
Speaker 3: case something happened from the last check. You know, so
Speaker 3: from the time you got your concealed Carrie, let's say
Speaker 3: you had another charge in between.
Speaker 7: Sure, that's why they do them.
Speaker 4: I mean, see, that could be the reason, is what
Speaker 4: I'm saying. I'm not saying it is.
Speaker 3: I don't know enough about this, but I do know
Speaker 3: enough to know that it didn't sound right and we
Speaker 3: checked with the authorities, and it's wrong. You do not
Speaker 3: have to have a gun purchase to have a background.
Speaker 3: You can do a background before a purchase and refund
Speaker 3: every dime to the consumer.
Speaker 4: You don't have to be out a dollar. And it's wrong.
Speaker 3: Now now I'm not talking about refunding guns when someone
Speaker 3: takes a gun back to the gun store.
Speaker 4: That they can't.
Speaker 3: It's against federal law to refund and to take a
Speaker 3: gun back.
Speaker 4: It is.
Speaker 3: Now you can buy a gun from someone you cannot
Speaker 3: refund the purchase.
Speaker 4: I don't know. You can't, You're not allowed to.
Speaker 3: But you can run a background check before a gun
Speaker 3: purchase and refund every dime to the consumer. And the
Speaker 3: gun shops who tell you there are no refunds, they're correct,
Speaker 3: there are no refunds on the purchase, but there is
Speaker 3: no purchase until you pass a background So they're screwing
Speaker 3: you if they keep your money out and out defrauding you.
Speaker 4: I'm Tom Martino. We have more coming up. I want
Speaker 4: to tell you eight eight eight heating dot.
Speaker 3: Com check your AC right now. They do high efficiency
Speaker 3: ACS and in fact, if you have a solar system,
Speaker 3: they can do a hybrid system with electrical eight eight
Speaker 3: eight heating dot Com. Go with a sure thing Denver's
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Speaker 11: You don't pay a cent until you're content.
Speaker 3: Time for an insurance checkup, free no obligation comparison call
Speaker 3: Compass Insurance paying too much your coverage at dozens of
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Speaker 3: when you choose Frank durand the real estate man dot
Speaker 3: Com to list your home with Remax Alliance three oh
Speaker 3: three nine two zero sixteen twenty two.
Speaker 4: I'm Tom Martino.
Speaker 3: We have probid Energy dot Com in the house with
Speaker 3: US solar dealers and installers. And and by the way,
Speaker 3: we've been talking about this gun situation. Let me just
Speaker 3: sum it up real quick and then get the owner
Speaker 3: of the gun room on because I want to hear
Speaker 3: from owners. And I'm getting text from owners of gun
Speaker 3: shops and also owners who say or people who say
Speaker 3: they're federal firearms dealers, and they say, for the most
Speaker 3: of them agree with me that some of them, here's
Speaker 3: what they say. They do not sell a gun until
Speaker 3: after someone passes a background check. So therefore, if they
Speaker 3: don't pass the background check, they don't keep the money
Speaker 3: for the gun. Some keep a deposit because they and
Speaker 3: they call it a restocking fee because if they had
Speaker 3: to order the gun in they now have an extra
Speaker 3: gun in inventory they may have not had before.
Speaker 4: And I don't mind that.
Speaker 3: I do not mind if you tell someone, hey, if
Speaker 3: you don't pass the background and I order this gun,
Speaker 3: you're gonna have to pay restocking.
Speaker 4: I don't mind that.
Speaker 3: The problem that I have is when a gun dealer
Speaker 3: takes your money in full for the gun plus the
Speaker 3: background check. You fail the background check and they say
Speaker 3: to you, you don't get a gun, and I keep
Speaker 3: all your money.
Speaker 4: That bothers me, and that is not what federal law dictates.
Speaker 3: Federal law says you can't take a firearm back and
Speaker 3: give refunds on firearms once the sale is consummated, but
Speaker 3: both ATF and BCI said the sale is not consummated
Speaker 3: until the background check has passed. So Wayne, go ahead.
Speaker 3: I just wanted you to know what was said. And
Speaker 3: then I think your store was mentioned.
Speaker 4: By bo Deputy Bow. He said he.
Speaker 3: Talked to three or four gun owner shops, a gunshop
Speaker 3: on owners and I think he did mention you guys.
Speaker 6: Go ahead, Wayne, Well, thanks for having me on Tom.
Speaker 19: Yes, Wayne, Yeah, we do get the periodic denials and
Speaker 19: because of the waiting period, we do collect full payment. Yeah,
Speaker 19: and that includes the twelve dollars and fifty cent background
Speaker 19: checkte and we'll put the gun in the back and
Speaker 19: sometimes we get immediate answers from CBI. Sometimes it might
Speaker 19: be a day, and of course we have to wait
Speaker 19: until a fourth day to transfer the firearm due to
Speaker 19: the three day weight. Now our sore policy and we
Speaker 19: have a sign right behind our door is that we
Speaker 19: have a fifty dollars denial. See and I hope you
Speaker 19: will I understand.
Speaker 4: I understand that, I completely understand.
Speaker 19: Right, yeah, yeah, So essentially, when we take payment from customers,
Speaker 19: it shows as a credit and their profile, and like
Speaker 19: you said, the consummation of it is the transfer piece. Right,
Speaker 19: A background check approval is one thing, but until they
Speaker 19: actually reach see the firearm, it's not legally transferred.
Speaker 6: By the ATF rules.
Speaker 19: So it could be on the fourth day, could be
Speaker 19: on the tenth day, right, just within the thirty days
Speaker 19: that that background check is open for. But so essentially
Speaker 19: customers get full refunds minus the sixty.
Speaker 6: Two dollars and fifty cents from the gun room.
Speaker 19: So the fifty dollars just covers our time. And then
Speaker 19: of course that twelve dollars and fifty cents is a
Speaker 19: hard cost from Colorado Bureau of Investigation.
Speaker 3: Good and but you don't buy it. You don't just
Speaker 3: keep one of the gun purchase, right.
Speaker 6: Gosh no, no.
Speaker 19: In fact, I've had one bad review from the customer
Speaker 19: because they wouldn't hold the gun for more than thirty
Speaker 19: days because people can appeal, and we regularly get customers back.
Speaker 19: I'll get emails. Hey, this reversal turn to approval, so
Speaker 19: we'll call the customer. He come on in if we
Speaker 19: still have the gun. But at that point we've refunded money,
Speaker 19: so there's no reason to hold the gun.
Speaker 4: Okay.
Speaker 19: There has been a few situations where customers will say,
Speaker 19: I'm going to get this overturned, keep my money, hold
Speaker 19: the gun.
Speaker 6: Yeah.
Speaker 19: We'll do that, of course only for length of time
Speaker 19: because we have consignment guns too. I don't want to
Speaker 19: keep a gun on the shelf that may be transferred
Speaker 19: and withhold the billage to sell it so that consigner
Speaker 19: can get paid.
Speaker 3: But you do know, Wayne, there are there are gun
Speaker 3: shop owners that keep all of the money if someone
Speaker 3: fails the background check, even though the gun was never delivered.
Speaker 6: That's not right.
Speaker 4: I mean we're in agreement.
Speaker 19: Yes, absolutely, we are an agreement, Tom.
Speaker 4: Yeah, and I appreciate it. Thank you.
Speaker 3: And again, like I said, I think you know I'm not.
Speaker 3: I don't think you said anything bad about your shop
Speaker 3: at all. We were just giving the different policies of
Speaker 3: different shops. But we have another text here of a
Speaker 3: guy who says the cost of a background check varies
Speaker 3: depending on the shop, because some dealers charge as little as,
Speaker 3: let's see, thirteen bucks, some charge fifteen.
Speaker 4: I don't know is that true. How much did they.
Speaker 19: Charge stop cost from CBI is we get charged twelve
Speaker 19: dollars and fifty cents.
Speaker 6: And I believe shops can charge whatever they want.
Speaker 4: Of course they can.
Speaker 6: Our fee is what we get charged.
Speaker 19: It's just more transparency in how we operate and do business.
Speaker 4: How long you've been in business? You know?
Speaker 19: The gun Room's been open since nineteen eighty two, and
Speaker 19: I'm the third owner. We've been in this same location
Speaker 19: since ninety four. It's been a kind of a staple
Speaker 19: in Colorado. It's a it's kind of a fun shop.
Speaker 19: I've been owner for a little over two and a
Speaker 19: half years now.
Speaker 4: When was the biggest year for gun sales? I'm just curious.
Speaker 19: I would have to assume the COVID year. Oh really, okay,
Speaker 19: the financials that I saw from the prior owner. But
Speaker 19: prior to that, I haven't seen financials. I wouldn't I
Speaker 19: would be guessing at that point.
Speaker 3: I was just curious if things affect gun sales like
Speaker 3: presidential presidential racist election years.
Speaker 6: Do they they do?
Speaker 19: April was one of our better months since I bought
Speaker 19: the shop, and that was there was a lot of
Speaker 19: rhetoric in Colorado and talk of a semi automatic van
Speaker 19: and guns did move quite a bit at a higher
Speaker 19: clip during that month. I think that we've been building inventory.
Speaker 19: I expect to be a bump here with the election.
Speaker 19: I think people are kind of waiting to see where
Speaker 19: we're gonna be, and I think for the most part,
Speaker 19: people are struggling financially. It's been from what I've heard
Speaker 19: from other owners, this is the slowest summer in gun
Speaker 19: sales in Colorado and sometimes.
Speaker 3: But I want to clarify too what I read about
Speaker 3: federal law. Once they take that gun and walk out
Speaker 3: the store, there is no refund on that right.
Speaker 6: That is correct.
Speaker 19: All sales are final, and you find that very consistent
Speaker 19: in the industry, whether it's a brand new gun or
Speaker 19: a used gun.
Speaker 6: There's no warranty.
Speaker 19: Is brand new guns, if there's a problem, they say, well,
Speaker 19: call Ruger or call whoever in the MANUFA.
Speaker 4: Now if they're if some good, go ahead. If someone
Speaker 4: wants to sell a gun, though they want to get
Speaker 4: rid of a gun, can they take it in? And
Speaker 4: can you buy a gun.
Speaker 19: As an FFL. We can buy guns consigned guns, but
Speaker 19: you can't sell them to individuals they have that has
Speaker 19: to be transferred through an FFL.
Speaker 3: Okay, thank you very much. We really appreciated the gun
Speaker 3: room owner.
Speaker 4: We got more coming up.
Speaker 3: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free, no obligation. In comparison,
Speaker 3: call Compass Insurance. Pay too much your coverage? Dozens of
Speaker 3: insurance companies find out now three all three seven seven
Speaker 3: to one help. You'll think you're his only customer when
Speaker 3: you choose Frank durand the real estate Man dot com
Speaker 3: to list your home with Remax Alliance three all three
Speaker 3: nine two zero sixteen twenty two. Hi Tom Martino, your
Speaker 3: troubleshooter three O three seven one three talk three O
Speaker 3: three seven one three eight two five five. Let me
Speaker 3: go back to the phones for having a very spirited
Speaker 3: discussion on UH gun purchases The right way the wrong way.
Speaker 3: Richard has a comment. Go ahead, Richard, Richard, is he
Speaker 3: still on or not. If not, I'll go on to
Speaker 3: someone else. Oh he's gone. Okay, Richard, you got to
Speaker 3: hang out, bro. It takes a little while to get
Speaker 3: to you. I'm gonna go to Ron about his apartment.
Speaker 4: Him. Ron, what's going on?
Speaker 6: RONI? How you doing?
Speaker 23: Tom?
Speaker 4: What's going on on?
Speaker 22: I just moved into an apartment. They end of sept
Speaker 22: Timber and the ahv AC unit on the ceiling started leaking,
Speaker 22: and I of court was called the maintenance and the landlord.
Speaker 22: They had maintenance come look at it. They replaced the
Speaker 22: whole unit. They started leaking again.
Speaker 4: Wait a minute, it was leaking. Where where where's it
Speaker 4: leaking from.
Speaker 22: It's one of these ceiling units that's the central air
Speaker 22: and heating, And that.
Speaker 3: Doesn't make sense if they replaced the whole unit, so
Speaker 3: it wasn't leaking and the unit's probably leaking from one
Speaker 3: of the condensation lines or something.
Speaker 22: Yeah, they checked it. They called in. I guess they
Speaker 22: have a third party vendor. They worked through. They took
Speaker 22: the whole unit out and replaced it or replaced something
Speaker 22: to do with the coal.
Speaker 4: The way it's how bad is the water coming into
Speaker 4: your place?
Speaker 16: Well, the last flood was August twenty eighth.
Speaker 4: Way, wait, whoa, whoa, whoa.
Speaker 3: Woh, you use the word you use the word flood.
Speaker 3: My god, acs don't have that much water. What do
Speaker 3: you mean flood?
Speaker 22: Some kind of way to have this wired from the
Speaker 22: hot water heater up to the wait wait.
Speaker 4: Wait, you don't.
Speaker 6: You don't.
Speaker 4: You don't put water into an air conditioner.
Speaker 22: Yeah, Tom, I can't explain how they have it wired up.
Speaker 3: But well they don't have it first of all. Okay,
Speaker 3: I don't know how they have it plumbed. But nothing
Speaker 3: in an AC takes water.
Speaker 4: Nothing.
Speaker 7: Is it a mini split heat pump that wouldn't take water?
Speaker 3: They you know, when you said flood, you had water
Speaker 3: come into your apartment water water, and the water's coming
Speaker 3: Hold on, the water's coming from your ceiling. Yeah, And
Speaker 3: why are you thinking it's coming from the AC.
Speaker 22: Because when I turned the AC on at night, when
Speaker 22: I was turning the central air on, it was dripping
Speaker 22: on the floor. And I told him about that. The
Speaker 22: main is He said it was condensation is the.
Speaker 4: Well, hold on, hold on.
Speaker 3: The condensation would leak, but it wouldn't flood.
Speaker 6: It wouldn't flood.
Speaker 4: No. No, And by the way, an attic unit.
Speaker 10: Wouldn't the case if the pans plugged up or something,
Speaker 10: you know, the some water comes out and it drains
Speaker 10: into a drain or it drains outside.
Speaker 7: If that pant's plugged up, it could leak. But I don't.
Speaker 4: But what did you mean? What did you mean by
Speaker 4: hot water?
Speaker 22: When I came home, because I was gone all day
Speaker 22: at work, I came home, the neighbor said her there
Speaker 22: was water coming from my floor to her unit. I
Speaker 22: went upstairs by went by unit and it was flood
Speaker 22: like two inches of water.
Speaker 6: It broke up top.
Speaker 4: That's not bro That is not an air conditioner condenser.
Speaker 8: Are you sure you're not talking about like a swamp cooler.
Speaker 22: No, No, it's it's apartment with the central hair and
Speaker 22: he says, they said it runs all through that up
Speaker 22: top there. It's all connected up top above us.
Speaker 6: So it's central air.
Speaker 3: You now you're listen, you're not You're not getting the
Speaker 3: right information. I mean, Ron, you know, first of all,
Speaker 3: any AC unit that would drip would be outside.
Speaker 4: I mean, there's nothing to drip, there's nothing. I need
Speaker 4: to call one of our people. We need to call
Speaker 4: one of our experts.
Speaker 3: We're either going to call fix it twenty four to
Speaker 3: seven plumb line or eight eight eight heating call either
Speaker 3: call anyone who has any idea about this AC.
Speaker 4: I mean we got to get an expert on. And
Speaker 4: in any case, let's say we get our expert on.
Speaker 3: What are you asking? Do you want to know what's
Speaker 3: going on? Or are you just complaining because they're not
Speaker 3: fixing it? What's the issue?
Speaker 22: Well, the last update they had a car market, a
Speaker 22: restoration company come in, dry the place out, and yesterday
Speaker 22: take something on my door saying I owe them fifteen
Speaker 22: hundred dollars.
Speaker 3: Oh wait, wait, wait, wait wait, now hold on, Ron,
Speaker 3: why are they charging you that money?
Speaker 22: Well, they're saying it looks like the notes are saying
Speaker 22: even though shows in the notes I turned the hot
Speaker 22: water heater lever off to stop the water, they said
Speaker 22: that I had a A on the wrong temperature and
Speaker 22: it triggered something in that unit to go off hot.
Speaker 3: Right wait wait wait, wait wait wait, your hot water
Speaker 3: tank has nothing to do with the AC. I mean,
Speaker 3: first of all, I see Ron, you got we are
Speaker 3: we are driving blind here. You turned off the hot
Speaker 3: water meaning what what did you turn off? Did you
Speaker 3: turn off the supply to your hot water to going
Speaker 3: into your water heater or coming out of your water heater.
Speaker 22: Well, the best I can explain it from my knowledge,
Speaker 22: when I came into my apartment, it was flooding and
Speaker 22: it was pouring out of the top ceiling where they
Speaker 22: have this type going into this I guess it is
Speaker 22: since joyer and heat, and I pulled the lever down
Speaker 22: in the that's connected to the hot water heater and
Speaker 22: it stopped the water from coming out.
Speaker 4: Well, then I'm kind I have no idea what you're talking.
Speaker 3: Honest to God, Ron, I don't have any idea what
Speaker 3: you're talking about. So if you're claiming you don't owe
Speaker 3: the money because you didn't do the damage, I agree
Speaker 3: with you. But if you did do the damage, you
Speaker 3: would owe the money. But I need to know what
Speaker 3: I don't even know what's going on, I mean, honest
Speaker 3: to God, I mean, from what you're telling me, you
Speaker 3: saw water coming from the ceiling. And how do you
Speaker 3: know the lever that you pulled is on your water heater?
Speaker 3: Is your water heater in the ceiling?
Speaker 22: Now the water heater is in a little closet because
Speaker 22: they put it.
Speaker 3: In and you and you wait and you pulled and
Speaker 3: you and you turned off the water heater in the closet.
Speaker 4: Yes, and it stopped the leak in the ceiling.
Speaker 3: Sure did, yes, But it had nothing to do with
Speaker 3: your air conditioner.
Speaker 4: I promise you. Do you have hot water heat?
Speaker 6: Nothing works?
Speaker 22: Now, there's no heat.
Speaker 4: No, no, I'm.
Speaker 3: Asking what kind of heat do you have in your apartment?
Speaker 6: It's what look?
Speaker 10: Is it forced air? Do you have vents with where
Speaker 10: the heat comes through the vents?
Speaker 23: Yeah?
Speaker 6: Okay, the apartment building.
Speaker 3: Okay, I don't understand. Does each apartment have a water heater?
Speaker 22: I assume now, Ron, Ron, I hate telling you this.
Speaker 3: We can't help you until somebody actually goes to your
Speaker 3: apartment and eyeball stuff. I don't know if I can
Speaker 3: get a volunteer or someone to look at your place.
Speaker 3: I wish I could get Bow because bo is In
Speaker 3: was in the business hvac.
Speaker 4: He would know.
Speaker 3: In fact, let's see if bo would what part of
Speaker 3: town is your apartment building?
Speaker 6: Central?
Speaker 4: Okay?
Speaker 3: You know what I want to see. Deputy Bow is
Speaker 3: a smart guy. He was in the HVAC business. He
Speaker 3: might be able to go over there. He's not in
Speaker 3: right now, but I want to ask him if he'll
Speaker 3: drop over to see what's going on in your place,
Speaker 3: and let's see what's happening. We had were, like I said,
Speaker 3: we're flying blind. We have more coming right up. Go
Speaker 3: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 3: You don't pay a cent until you're content. Time for
Speaker 3: an insurance check up free, no obligation. In comparison, call
Speaker 3: Compass Insurance paying too much much your coverage at dozens
Speaker 3: of insurance companies find out now three all three seven
Speaker 3: to seven to one.
Speaker 4: Help.
Speaker 3: You'll think you're his only customer when you choose Frank
Speaker 3: durand the real estate Man dot com to list your
Speaker 3: home with Remax Alliance three all three nine two zero
Speaker 3: sixteen twenty two. Hi Tom Martino here three O three
Speaker 3: seven to one three talks seven one three eight two
Speaker 3: five five. Jay's got to comment on that apartment issue.
Speaker 4: Go ahead, Jay, what's your comment?
Speaker 3: He's saying he has water coming down from the ceiling
Speaker 3: of things from the HVAC unit, and the way he
Speaker 3: got it to stop was by turning off the lever
Speaker 3: to his water heater. I have no idea how they
Speaker 3: would be connected at all, but go ahead, what do
Speaker 3: you say, what do you have to say?
Speaker 4: Jay?
Speaker 23: Yeah, When he added a little more and more to that,
Speaker 23: it got stranger all the time. But air conditionings do
Speaker 23: produce a ton of water, and if it's not pumped away,
Speaker 23: it can startly can all.
Speaker 4: But where does it produce? It usually produces it on
Speaker 4: the outside condenser.
Speaker 23: Right, Yeah, but most of them have because, like he said,
Speaker 23: his was up in the on the roof or something,
Speaker 23: or in the attict.
Speaker 4: No, it's in his addict.
Speaker 6: Yeah.
Speaker 23: So if it's in the attic and it's not pumping
Speaker 23: it out, it's going to come through the dry wall.
Speaker 4: But they don't put condensers in atticts.
Speaker 23: I I'd have to say there's something there making water
Speaker 23: if it's coming out of the attic.
Speaker 4: Well, but I think he's wrong about it being the AC.
Speaker 3: That's all I'm saying. I mean, who knows. He might
Speaker 3: be right, but it just seems so weird.
Speaker 23: It is weird, but.
Speaker 3: So, yeah, that doesn't make sense. He turned off his
Speaker 3: water heater and it stopped the leaking.
Speaker 23: Yeah, Like I said, the more he added to that,
Speaker 23: the stranger had got so somebody is going to have
Speaker 23: to look at it for sure.
Speaker 4: Jay, Thank you. We need to get Boat to go
Speaker 4: over there. Brandon wants to talk about Sentry Link Frank
Speaker 4: Consumer Sailor, and then we have another comment on the
Speaker 4: apartment issue.
Speaker 3: Please hang on, Bean, We'd love to get to you.
Speaker 3: And more coming up on the Troubleshooter Show.
Speaker 4: Plus probid energy dot com for your source for solar systems.
Speaker 4: Stay tuned to the Troubleshooter Show.
Speaker 3: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 3: dot com.
Speaker 11: You don't pay a cent until you're content.
Speaker 3: Time for an insurance checkup free, no obligation comparison call
Speaker 3: Compass Insurance paying too much your coverage at dozens of
Speaker 3: insurance companies find out now three all three seven seven
Speaker 3: to one help. You'll think you're his only customer when
Speaker 3: you choose Frank durand the real estate Man dot com
Speaker 3: to list your home with Remax Alliance three all three
Speaker 3: nine two zero sixteen twenty two.
Speaker 11: Rift News.
Speaker 4: You don't have.
Speaker 1: Run insiousness.
Speaker 24: This is good.
Speaker 1: The Shooter's gonna help.
Speaker 5: Come.
Speaker 2: This is the Troubleshooter Show. Now Tom Martinez, Hi.
Speaker 4: Tom Martino here, Welcome to the show.
Speaker 3: Three oh three seven one to three talks seven one three, eight,
Speaker 3: two five five. So we had a guy call and
Speaker 3: say that he's getting water coming in from a ceiling. Right,
Speaker 3: And this show, by the way, talks about everything, life, liberty, pursue, happiness,
Speaker 3: everything in the world.
Speaker 4: So water's coming in through his apartment. He thinks it's
Speaker 4: from the HVAC. They replaced the hv sate HVAC unit
Speaker 4: or the AC unit, and he says that the water
Speaker 4: still was leaking. He went over to his water heater,
Speaker 4: turned off his water heater, and somehow the water stopped leaking.
Speaker 4: The water from a water heater has nothing to do
Speaker 4: with air conditioning.
Speaker 3: And an an air conditioner has condensation. It does not
Speaker 3: come from inside. It comes from the outside units condensation.
Speaker 3: There's nothing on an inside air conditioner that I know
Speaker 3: of that creates condensation of the components on the inside.
Speaker 3: You may have a I don't know, a coil or something.
Speaker 3: I mean, but but we're not talking about a lot
Speaker 3: of stuff here and in an apartment house. I have
Speaker 3: no idea what he's talking about in his ceiling. What
Speaker 3: is is in his ceiling? Now, the air mover could
Speaker 3: be in his ceiling. That would be his furnace and
Speaker 3: his air but I don't know how that could leak
Speaker 3: a lot of water and how his water heater can
Speaker 3: turn it off.
Speaker 4: They're not interconnected.
Speaker 3: This whole thing sounds crazy, but Deputy bow is going
Speaker 3: to go out.
Speaker 4: And look at it.
Speaker 3: And Deputy Bou used to be in the HVAC business. Bean,
Speaker 3: you have a comment, and then Brian go ahead. Bean,
Speaker 3: what's your comment?
Speaker 6: All right?
Speaker 4: Hey?
Speaker 6: Yeah the time. My name is Bean dt A Han.
Speaker 4: Yes, Bean, Yes, yeah, okay, weird name, good name, good name.
Speaker 6: Are you Are you familiar with a water source heat pump?
Speaker 2: Uh?
Speaker 3: Yes, well hold on now a heat pump no, actually
Speaker 3: not a boiler, but not a water worse heat pump.
Speaker 6: No okay, Well the guy said he lives in an apartment.
Speaker 6: And what they do for everybody to have their own
Speaker 6: individual heating and cooling, they put these little heat pumps.
Speaker 6: They're capable of heating and cooling in each apartment, so
Speaker 6: they can. They've got a thermostat that talks to that
Speaker 6: heat pump. Okay, But because it's inside the building and
Speaker 6: they want heating and cooling, they use water to transfer
Speaker 6: the heat outside or to a boiler in the summertime.
Speaker 6: What they do, what they do is pump the water
Speaker 6: outside the building to a cooling tower. You've seen those
Speaker 6: things on buildings. I assume, yeah, okay, well that's cooling
Speaker 6: the water for the building. Well, and then they pump
Speaker 6: that back into the building, and that takes the heat
Speaker 6: away from the compressor that's in the heat pump up
Speaker 6: in the attic.
Speaker 4: Wow, how do you know this?
Speaker 6: I know a little bit about this stuff. And so
Speaker 6: in time, they have a boiler that's just in the
Speaker 6: just does the reverse because now it's in a heat
Speaker 6: pump situation. It okay, and and and and I've seen
Speaker 6: it where these hoses are fittings or whatever. Sometimes they
Speaker 6: use ruppers, sometimes they dis copper, but they'll get corrosion
Speaker 6: and those pipes will leak. Well, there's a shut off
Speaker 6: valve on those return and supply lines of water. You
Speaker 6: follow that, and that that's what that guy did, was
Speaker 6: turn off that water.
Speaker 4: But it wasn't on his water heater.
Speaker 6: Well he was mistaken there, Yeah, but he probably thought
Speaker 6: it was on his water heater because the water as
Speaker 6: it leaves that compressor is hot.
Speaker 3: And that's so you're saying that instead of using they
Speaker 3: use actually.
Speaker 4: Water to carry the heat out.
Speaker 6: Yeah, what what I'm saying is you're used to an
Speaker 6: air exchange set up, right, totally a this is water.
Speaker 4: Got it?
Speaker 3: Because that's the only way they could have a unit
Speaker 3: in each apartment.
Speaker 6: Yeah, that's basically it.
Speaker 3: Ah okay, but why wouldn't they use a refrigerant.
Speaker 6: Of some kind? A heat pumped has refrigerant in it.
Speaker 3: Okay, this is this is simply to cool the coil.
Speaker 4: Well or the whatever it's it's to. It's to get
Speaker 4: rid of the heat from the unit. I should say.
Speaker 6: Yeah, there's a little compressor up in that unit.
Speaker 4: No, I get it.
Speaker 3: No, it's it's it's to get rid of that heat
Speaker 3: that would normally be sitting outside with a fan.
Speaker 6: Wait at your condenser outside right right?
Speaker 4: Well, okay, there's.
Speaker 6: A heat exchanger inside that unit, now I know.
Speaker 4: Okay, good, that's very cool. I never knew that.
Speaker 3: So that's how they put a unit in a ceiling
Speaker 3: and can exchange inge the air the heat I mean,
Speaker 3: without having it outside with a with a fan.
Speaker 6: Absolutely. Yeah, it can't get simple.
Speaker 3: But it's water. It's water source cooling. Yeah, it's very
Speaker 3: thank you bean, thank you that that sounds very logical
Speaker 3: to me, very logical. Maybe when they replace the unit,
Speaker 3: they replaced the unit but never even looked at the
Speaker 3: the couplings. Brian, what is your comment, Bean's a pretty
Speaker 3: smart guy.
Speaker 16: A lot of a lot of condos have water source
Speaker 16: heat pumps, but the newer apartments or even the older
Speaker 16: ones in Denver, they have a lot of units that
Speaker 16: run off the water heaters hot water, so they have
Speaker 16: a hot water coil.
Speaker 6: It's air to air.
Speaker 16: It just has a hot water coil in it, and
Speaker 16: then it'll have a condenser outside for the uh.
Speaker 3: So it could be that too, right, It could be
Speaker 3: that too. It could be that he does have water
Speaker 3: going up there from the heater.
Speaker 11: Uh.
Speaker 16: But then okay, also Tom, every air conditioner has the
Speaker 16: evaporated coil, and the evaporated oil produces water inside the building.
Speaker 16: Inside of adding, you're always going to have water coming
Speaker 16: out of your evaporated coil because that's what removes the
Speaker 16: heat from the air.
Speaker 3: So on my on my let's just say, on my
Speaker 3: home here where I have a furnace air system, an
Speaker 3: HVAC central air.
Speaker 4: Where is my evaporator.
Speaker 16: It's inside above your furnace is connected to the top
Speaker 16: of your furnace.
Speaker 4: You know.
Speaker 16: I'm sure you're just on top of the furnace.
Speaker 3: And that's what that's what the blower motor, that's what
Speaker 3: the blower motor blows over to put put to put
Speaker 3: cool air into.
Speaker 16: My home, right and air condition. Really, what it does
Speaker 16: is remove moisture from the building, and the moisture gets
Speaker 16: carried out to the drain line. That's that comes out
Speaker 16: of your evaporated coil. Okay, gosh a furnaces and the
Speaker 16: evaporation and.
Speaker 3: The and the process of evaporation is what cause causes
Speaker 3: the coolness, and that's what's carried through my home.
Speaker 4: The cool air.
Speaker 16: No, it's just the process of having the refriver and
Speaker 16: lower than the due point and then the when the
Speaker 16: air hits that coil, it turns into moisture and and.
Speaker 3: The byproduct of evaporation is cool. Yes, yeah, I get
Speaker 3: what you're saying. No, that's that's pretty You're you're you're
Speaker 3: both are really shedding a lot of light on this.
Speaker 3: Thank you very much, man, Brian and Bean, thank you love.
Speaker 3: I've always said I have the smartest listeners. I'll put
Speaker 3: them up against anyone.
Speaker 4: Yep.
Speaker 3: If you ever listened to like these dummies in the
Speaker 3: morning with Brownie and Dragon. That those guys on that
Speaker 3: talk pack, you can tell.
Speaker 4: I say, we've got clever listeners, for sure. I wouldn't
Speaker 4: call them the smartest thought. They're goobers. They're good, that's
Speaker 4: what he calls them. I call mine geniuses.
Speaker 3: Except my YouTube morons, and that's a loving expend.
Speaker 4: My YouTube aren't really morons.
Speaker 3: They're YouTube observers of the highest degree.
Speaker 4: Uh, Frank, what is going on with Consumer Cellular?
Speaker 6: Man?
Speaker 25: Yeah, I'm kind of I'm sure you're going to say
Speaker 25: that this is an easy fix, but I'm stuck in
Speaker 25: a little issue. What is it, business bone that I've
Speaker 25: had the business number for fourteen years?
Speaker 6: Okay for a month.
Speaker 25: Now I can't get it. I can't get Consumer Cellular
Speaker 25: to turn it back on.
Speaker 3: So here's wall Wait wait, wait, why was it turned
Speaker 3: off to begin with?
Speaker 25: Well, my phone broke, that's all.
Speaker 3: But but what do you mean when your phone breaks,
Speaker 3: your number still works?
Speaker 5: Yeah?
Speaker 25: Exactly. So what happened is I paid my bill and
Speaker 25: then all of a sudden that phone number wouldn't work anymore.
Speaker 25: At least that could retrieve you.
Speaker 3: Well, wait a minute, you paid your bill. Now you
Speaker 3: normally pay your bill right is? Or is this a
Speaker 3: special event?
Speaker 6: Yeah?
Speaker 25: No, it was a special event because I was a
Speaker 25: little late, maybe too.
Speaker 3: Okay, See that's probably more so than the phone breaking.
Speaker 3: Hold on a second, I'll come right back to you, Frank,
Speaker 3: don't hang up.
Speaker 4: I'm Tom Martine more coming up.
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Speaker 4: Frank has an issue now, So Frank, let's start in
Speaker 4: the beginning. You had consumer Cellular with a number that
Speaker 4: you had for a long time. Right then, what happened?
Speaker 25: My phone broke, just the screen, but I couldn't access it.
Speaker 25: And I called them and toonement's broken. But I could
Speaker 25: still get my voicemails so I could sell run of business.
Speaker 4: Right, so your phone broken? And then what keep going?
Speaker 25: They wanted me to buy one of their phones. Sure,
Speaker 25: buy a phone.
Speaker 4: Did you buy a phone back on?
Speaker 6: Yep?
Speaker 25: I did. But guess what They want to send an
Speaker 25: activation code to that phone number, and I said, well
Speaker 25: how do you do that?
Speaker 3: So when you bought a new phone, they didn't port
Speaker 3: your number over to the new phone.
Speaker 25: No, they wouldn't. They said they have to secure security
Speaker 25: pin security code and I said, well I can't get
Speaker 25: that because the phone's not active yet.
Speaker 6: Well that's do it.
Speaker 4: Well, yeah, the phone is broken. So if you don't
Speaker 4: have access to that phone. How are they supposed to
Speaker 4: send a security code?
Speaker 25: Exactly? So there's a backup plan, which is up.
Speaker 4: But where did the non payment of the bill come in?
Speaker 6: Oh?
Speaker 25: Oh no, I was just two days late.
Speaker 6: I paid it.
Speaker 25: When I paid it, that's when I couldn't even use it,
Speaker 25: not even for voicemail. That's what's strange to me.
Speaker 3: Okay, So now the old phone completely does not work,
Speaker 3: and you can't get your old number.
Speaker 6: No.
Speaker 25: But they said they'll send it to an old email address.
Speaker 25: And I said, no, but you've had my new email
Speaker 25: address for years. The one you have on file is
Speaker 25: an old one. I cannot access it no more.
Speaker 3: They said, well, why didn't you change your email with them.
Speaker 25: I did. That's the problem, Tom, I changed it, and
Speaker 25: they've sent me emails with the new email address. I said,
Speaker 25: don't send it to that old one. He says, that's
Speaker 25: the only one I have.
Speaker 4: I said, and what there must be another way to
Speaker 4: verify you, or just cancel your damn account and start over.
Speaker 25: That's what I'm doing. But i'd have to lose that number.
Speaker 4: No you don't, No, no, no, you do not.
Speaker 3: They must port your number out, they must but okay
Speaker 3: how and no no, no, dead number is not locked
Speaker 3: inside a phone.
Speaker 25: Okay, port it, yeah, that give me.
Speaker 6: The right number.
Speaker 4: What is your new service going to be?
Speaker 25: It doesn't matter. It could be T Mobile Metro.
Speaker 4: Well, it does matter.
Speaker 3: That's actually because because the new service, you're going to
Speaker 3: make a request with the new service to have your
Speaker 3: number ported and they're going to put that in with
Speaker 3: the old service, and Consumer Cellular must release your number.
Speaker 25: They won't.
Speaker 4: Don't have the problem. Yes they will.
Speaker 6: I didn't, Yes they will.
Speaker 25: Well they said they sent it to that other email addressed.
Speaker 4: You're not even listening to me, Frank. You're not asking
Speaker 4: them to change your number to another phone. You're asking
Speaker 4: them to port your number out to another carrier. That's
Speaker 4: a whole different ballgame.
Speaker 6: Perfect.
Speaker 4: Don't even get into it with the new carrier. Listen
Speaker 4: to me. Do not even get into.
Speaker 3: The broken phone. Don't say a word. All you're saying
Speaker 3: is this, I want my number ported. They will get
Speaker 3: information from you, the new carrier, and they will put
Speaker 3: in a port order for your number. You tell them
Speaker 3: the only way I'm going to take your service is
Speaker 3: if you can get my old number ported in.
Speaker 4: They will port your number in.
Speaker 25: Okay, I heard you loud and clear.
Speaker 4: Now you can call me back if you have any problems.
Speaker 3: But you shouldn't because the people know what they're doing
Speaker 3: when you get a new service. So go to a
Speaker 3: good service that will port your number in. You know,
Speaker 3: you can even go to Google and have that.
Speaker 4: Number poorted in. You can.
Speaker 3: But again, and then you can forward that Google to
Speaker 3: whatever you want.
Speaker 4: You can. Like people don't realize this. If you have
Speaker 4: a number that you own that you love, you should
Speaker 4: put it into Google. And here's why Google Voice is free.
Speaker 3: You can have Google Voice and then just immediately no
Speaker 3: matter what phone.
Speaker 4: Whatever, wherever you are, wherever you are, you can have
Speaker 4: that Google phone number forwarded.
Speaker 3: So even if you want it to take time off
Speaker 3: and you have a worker, you can have them answer
Speaker 3: your phone. You never have to have a phone with
Speaker 3: your real number on it.
Speaker 4: It's just a trick, it's a little hack.
Speaker 3: You use Google Voice as the intermediary where your favorite
Speaker 3: number resides and stays, and then you can forward it
Speaker 3: anywhere you want.
Speaker 4: Anyway.
Speaker 3: Three oh three seven one three talk seven one three
Speaker 3: eight two five five.
Speaker 4: Brendan, how are you? What's happening?
Speaker 6: Hey? Tom? Hey, hey, damn man.
Speaker 24: Years man, I've Denver native have been listening to you forever.
Speaker 24: This is the first time I've ever called you.
Speaker 4: What's the problem.
Speaker 24: Frustrated with Quantum Fiber? I could puke?
Speaker 3: Now, what what's going on? What do you use quantum
Speaker 3: for for your broadband?
Speaker 6: Right?
Speaker 24: So I live over here in old town Littleton and
Speaker 24: we have lit fiber service here to the house, gig
Speaker 24: a bit lit fiber from Quantum Fiber.
Speaker 4: That's pretty cool. But that's really fast, right, Yeah.
Speaker 24: It's great, it works great, no issues with it. The
Speaker 24: issues that I have are with their terrible, terrible, terrible
Speaker 24: customer service.
Speaker 4: Tom, what's wrong? Tell me the tell me the problem.
Speaker 24: So I'm having two little dinky issues. One issue is
Speaker 24: I can't access the modem firmware to change and stuff.
Speaker 24: I'm locked out of their proprietary wireless mesh system.
Speaker 3: Now hold on, hold on, so what what I want
Speaker 3: to Just address that real quick? Okay, Normally when you
Speaker 3: have a modem in your home, Okay, normally they take
Speaker 3: care of all the firmware and all that. Why do
Speaker 3: you need to access that? I'm just curious.
Speaker 24: There's two pieces of network here in my house. The
Speaker 24: first piece of network here is the network interface device
Speaker 24: which turns the lit fiber optics signal into a copper signal.
Speaker 4: Right, And and why why okay, hold on? Is that
Speaker 4: is that piece of.
Speaker 3: Network equipment that turns it to a from a from
Speaker 3: a fiber to a digital to.
Speaker 4: A it's a it's a digital, but it's it's over copper.
Speaker 4: So when it transfers.
Speaker 24: From LI, it turns it from a lit. So the
Speaker 24: fiber optic signal that comes into my house is over
Speaker 24: a fiber cable and it's got fiber optic light on it.
Speaker 3: Right, and it changes from light to electromagnetic. But once
Speaker 3: it does that, right, I get it, man, I get it.
Speaker 3: But once it goes from light to electromagnetic, what I
Speaker 3: want to know is this is that piece of equipment
Speaker 3: before or after your modem.
Speaker 24: That's before So that's the first piece of equipment in
Speaker 24: the chain that comes in and does.
Speaker 4: All the and then hold on. Then the normal electromagnetic
Speaker 4: signal goes into the modem.
Speaker 6: Correct.
Speaker 24: It's an r J forty five ethernet cable that goes
Speaker 24: from that piece of equipment to their proprietary wireless mesh system.
Speaker 24: It's three pods what this one, this copper Ethernet cable
Speaker 24: connects to the first one. An these three pods are
Speaker 24: supposed to create a.
Speaker 3: Right, a mesh network that they I know, they talk
Speaker 3: to each other. I get it, bro, they talk to
Speaker 3: each other. So where is the failure?
Speaker 24: Anyways? The failure is they have a proprietary guy like
Speaker 24: a log in that you control this thing from from
Speaker 24: an app like.
Speaker 4: I when you oh gone, When you say control, okay,
Speaker 4: hold on, bro, When you say control this thing, is
Speaker 4: it controlling the transformer that goes from fiber to electromagnetic
Speaker 4: or is it controlling the modem? Or is it controlling
Speaker 4: the first mesh in the chain?
Speaker 24: It controls your entire mesh system.
Speaker 4: I get it. But what are you accessing to do it?
Speaker 24: So I use the app. It logs me into the
Speaker 24: wireless system and I can change like my WI.
Speaker 4: What does it?
Speaker 3: Okay, listen, I know you think I don't know what
Speaker 3: I'm talking about, but I promise you I do. What
Speaker 3: are you logging into When you say the wireless system,
Speaker 3: which component.
Speaker 4: Are you logging into?
Speaker 7: Mesh?
Speaker 4: The first mesh in the chain, not the modem, I
Speaker 4: would assume.
Speaker 24: So there, I mean the first one is the one
Speaker 24: that's actually physically connected to the piece of.
Speaker 3: Which one assigns your IPS, Which ones assigned your IPS
Speaker 3: or does the dynamic assignment?
Speaker 6: Which one the mesh system?
Speaker 4: Okay, so what are you trying? Why do you have
Speaker 4: to log in? What are you trying to do?
Speaker 24: So the system you're able to go in and control,
Speaker 24: like when I can set times for when my kids can.
Speaker 4: That's right, that's right.
Speaker 3: You can set times for each of the nodes or
Speaker 3: all of them together.
Speaker 6: Yeah.
Speaker 24: Man, so I can go in and I can make
Speaker 24: sure that the kids are going to bed, that's right.
Speaker 4: That's right.
Speaker 3: So you can't log in to do all of that
Speaker 3: interface exactly?
Speaker 24: Why locked out?
Speaker 4: Why are you locked it?
Speaker 6: Why?
Speaker 4: Why are you locked out of it?
Speaker 24: It just stopped working one day, and so I went
Speaker 24: through the password reset steps, right, and it's it's said
Speaker 24: it was reset. It's still went log in. I probably
Speaker 24: did that like five times, yes, right, everything I possibly could.
Speaker 24: And then I just said, okay, well, enough's enough. It's
Speaker 24: time to content their customer service right right? Non existent, Tom,
Speaker 24: non existent.
Speaker 4: It's not even in India.
Speaker 24: You can't even get someone to pick up the phone
Speaker 24: I spent. I've probably spent eight hours over the last
Speaker 24: few days.
Speaker 4: I want to ask some Ambia's stuff. Brendan. Brendan, when
Speaker 4: how did you first get locked out of it?
Speaker 24: That's that's the big mystery.
Speaker 6: I don't know.
Speaker 24: I just all of a sudden one day I went
Speaker 24: just about a week ago, I went to go log
Speaker 24: into their software that controls all this and I was
Speaker 24: signed out. And I went to sign in, it said
Speaker 24: my password is in dallad.
Speaker 4: Okay and listen.
Speaker 3: Well, I'm going to tell you a few things it
Speaker 3: could be, but better than that, I'm not going to
Speaker 3: tell you that. I'm going to tell you I have
Speaker 3: very complicated in my home, and I will tell you
Speaker 3: that I use my modem in bridge mode, I go
Speaker 3: to a mesh. I have all of the same stuff
Speaker 3: you're talking about. Here's what you do, even though you
Speaker 3: think it's not going to work.
Speaker 4: Try it. Please try it.
Speaker 3: Uninstall that app on your phone completely, get rid of it,
Speaker 3: and then download it again. Also, take every piece of
Speaker 3: power out of your network and let it sit for
Speaker 3: thirty seconds.
Speaker 4: Complete every piece the modem for the transfer. The does
Speaker 4: the transfer have power or is it powered by the light?
Speaker 4: Powered by the light? What is it powered by the
Speaker 4: light or do you have to plug it in.
Speaker 24: Well, I hate to be the bearer of bad news, Tom,
Speaker 24: but I have tried all the above. Okay, remove the
Speaker 24: app from all my devices. I've power cycled all of
Speaker 24: my equipment.
Speaker 4: But did you do them all at the same time?
Speaker 3: Did you power cycle the entire system down completely and
Speaker 3: remove the app, then install the app, then reboot the system.
Speaker 4: Did you do all that?
Speaker 6: Yes?
Speaker 24: I have, and then and then it's broken wound If
Speaker 24: I can take an Ethernet cable and I can connect
Speaker 24: hard line straight to the media converter, and that's not
Speaker 24: the issue. Now everything's working as it should. I just
Speaker 24: can't walk into the systems.
Speaker 4: Right, you can't set your parameters.
Speaker 3: You can't set your parameters somehow the app. I think
Speaker 3: it's in the app and not in the hardware. Okay,
Speaker 3: hardware doesn't change.
Speaker 24: I think it's more frustrating, Tom. This is a simple
Speaker 24: issue that should be handled by their customer service.
Speaker 6: Right.
Speaker 24: You can't get to anybody. You can't reach a person
Speaker 24: I sat on you get on their chat. It is
Speaker 24: I think there was like one hundred something people on there.
Speaker 24: I sat on there for three hours and when I
Speaker 24: finally got to the chat, it is shut down on me.
Speaker 3: Hold on the second. Listen, I share your frustration. Listen,
Speaker 3: you're not technology in general. You're not the only one.
Speaker 3: Whether it's Sentry Link or whatever it is, everyone has
Speaker 3: the same problem with customer support.
Speaker 4: No one wants to talk to anyone. So what I'd
Speaker 4: like to know is.
Speaker 24: I got it, and another thing too. Con My other
Speaker 24: issue is I'm supposed to be getting a credit. I
Speaker 24: have two kids, and I get that FDC credit towards
Speaker 24: internet bill.
Speaker 6: Yeah, all of a sudden.
Speaker 24: Like three months ago, that stopped showing up on credit
Speaker 24: towards my bill. And I can't on anybody to find
Speaker 24: out what happened with.
Speaker 4: Have you ever thought about just discontinuing the service and
Speaker 4: just to go with a Google Mesh?
Speaker 24: Check this out, man. If you go to cancel, you
Speaker 24: go online to your portal to cancel your service. It
Speaker 24: makes you call their phone number, and you call their
Speaker 24: phone number, you'll sit on hold for two hours and
Speaker 24: then you don't talk to anybody. You can.
Speaker 4: I bet you if you unplugged their equipment and don't
Speaker 4: pay the bill, you'll get their attention.
Speaker 24: Well, they'll send me to collections.
Speaker 6: I mean, where are you?
Speaker 4: Who cares? Who cares?
Speaker 3: I mean, listen, If truly it's as frustrating as you
Speaker 3: say it is, and I have no doubt, here's what
Speaker 3: I would do.
Speaker 4: I would literally put in an system and take that
Speaker 4: system out and not pay the bill. That's exactly.
Speaker 3: And then when I get their attention, i'd say, you
Speaker 3: never responded. Here's and I would keep copious notes on
Speaker 3: when I tried to connect to them and get help.
Speaker 3: And then if they take if they try to send
Speaker 3: you a collection, this big deal.
Speaker 4: They'd have to go to court.
Speaker 3: And if they literally have the nerve to take you
Speaker 3: to court, you march in with the equipment and with
Speaker 3: your notes, saying, here is the service I've gotten that
Speaker 3: I refuse to pay for, and you win. Here's the problem.
Speaker 3: People don't do that. People don't do that kind of thing.
Speaker 3: But that's what you need to do. If it is
Speaker 3: as frustrating as you say it is, and I believe you,
Speaker 3: and if you truly tried to do what I did
Speaker 3: with the rebooting of the entire system and reapplication, I
Speaker 3: would do it. But I got to tell you, man,
Speaker 3: there's no magic. There isn't Sometimes there are just companies
Speaker 3: that suck, just totally absolutely suck.
Speaker 4: I mean there are, by the way, I'm.
Speaker 24: Glad what I was able to get on is face
Speaker 24: some Tom. That's what people need to know.
Speaker 19: Be aware.
Speaker 3: But I would, I swear to God, I would disconnect
Speaker 3: that I would get I would get sentry link or
Speaker 3: something in there. I would use a just use any
Speaker 3: What you do is get a regular generic modem and
Speaker 3: have it go to Google Mesh and then control everything
Speaker 3: through Google Mesh.
Speaker 4: We have more coming up on the Troubleshooter Show.
Speaker 3: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 3: dot com.
Speaker 11: You don't pay a cent until you're content.
Speaker 3: Time for an insurance checkup free no obligation comparison call
Speaker 3: Compass Insurance. Pay too much your coverage at dozens of
Speaker 3: insurance companies find out now three O three seven seven
Speaker 3: to one help. You'll think you're his only customer when
Speaker 3: you choose Frank durand the real estate Man dot com
Speaker 3: to list your home with Remax Alliance three oh three
Speaker 3: nine two zero sixteen twenty two. Hey Tom Martino, your
Speaker 3: troubleshooter Anthony, you have an employment law question. What's going on, Anthony,
Speaker 3: I'll give you the quick mile above you.
Speaker 26: Short version is, my wife's company did a bunch of
Speaker 26: layoffs literally yesterday. Oh oh, and then they talked to
Speaker 26: her today and I'm not sure who they talked to
Speaker 26: her today, wanted to give her quote opinions on the situation,
Speaker 26: and then after that they let her go.
Speaker 4: Do you think because of her answer they let her go?
Speaker 26: I mean, to me, in my mind, that's the only
Speaker 26: logical answer, because if they were going to let her
Speaker 26: go as part of the mass layoff that they literally
Speaker 26: did yesterday, they would have let her go yesterday with
Speaker 26: everyone else.
Speaker 4: Well, what did she tell them? What was her opinion?
Speaker 26: Did she know the exact thing? Because she's there, they're digging,
Speaker 26: they're getting another it's not an exit interview, but they're
Speaker 26: having somebody talk to her right now.
Speaker 4: Okay, what did you What kind of company is this?
Speaker 26: It's a nationwide shipping company.
Speaker 4: Is she a higher up middle management or what a flunky?
Speaker 26: What is she more in the middle payroll area?
Speaker 4: Is she in management at all?
Speaker 26: Hourly payroll clerk?
Speaker 16: Basically?
Speaker 4: Okay, So, Anthony, what is your question?
Speaker 26: Does that sound to you like something we should talk
Speaker 26: to a labor lawyer about as well.
Speaker 3: Tell me why you why do you think that? Tell
Speaker 3: me why you think that? I mean, I don't know
Speaker 3: what you're thinking? What what what do you What angle
Speaker 3: do you think you have?
Speaker 26: If they were just wanting to let her go as
Speaker 26: part of a giant layoff, why wouldn't they have done
Speaker 26: that as part of the layoff They literally just did
Speaker 26: instead of waiting till the next day and then asking
Speaker 26: her opinion. And if they were planning on letting her go,
Speaker 26: why would they need to or even care about her opinion?
Speaker 3: Okay, let's do the different Let's do the different scenarios, Anthony.
Speaker 3: Let's say they wanted to let her go the first
Speaker 3: time around, but they forgot literally, so they let her
Speaker 3: go a day later, No harm, no foul, They have
Speaker 3: every right to do it. Let's say scenario number two.
Speaker 3: Let's say they thought they wanted to keep her, but
Speaker 3: they wanted to make sure everybody who remained behind was
Speaker 3: completely on board, and they didn't like her answer, so
Speaker 3: they fired her today instead of yesterday, absolutely positively within
Speaker 3: their power, with no problem.
Speaker 4: Let's take another scenario.
Speaker 3: Let's say they were on the fence and they weren't
Speaker 3: sure if they wanted to keep her or not. And
Speaker 3: somebody says, you know what, I don't like the smirk
Speaker 3: on her face. And so they fired her absolutely positively
Speaker 3: within their power, with no problem.
Speaker 4: Let's take another scenario. She walks in and they say,
Speaker 4: we didn't realize she's a woman she or we didn't
Speaker 4: realize she was black, or we didn't realize she was Jewish,
Speaker 4: or we didn't realize she was this old.
Speaker 3: Then they would have a problem, gotcha. So I don't
Speaker 3: What I'm trying to get at is why. And again
Speaker 3: I'm not challenging you because you might know something. I
Speaker 3: don't why you thought there would be why they can't
Speaker 3: just do that? What is there that you thought they
Speaker 3: were doing wrong?
Speaker 26: I guess I didn't see it from that perspective. The
Speaker 26: only car and I saw was that they called her
Speaker 26: asking for her opinion on it.
Speaker 3: And you can be fired for your opinion. True, you
Speaker 3: can be fired for anything. I mean, really, you can
Speaker 3: be fired for your opinion. You really can be I
Speaker 3: mean even I'm going to tell you something that you
Speaker 3: might find crazy.
Speaker 4: If they don't like your.
Speaker 3: Opinion about Trump, or they don't like your opinion about
Speaker 3: Kamala Harris. They can fire you. People don't think they
Speaker 3: can be fired for politics. They can be They can't
Speaker 3: be suppressed while they're on the job as far as
Speaker 3: expressing themselves legally somewhere else.
Speaker 4: But they can be fired if they don't jive with
Speaker 4: the company.
Speaker 3: They really can be Now, they can't be fired if
Speaker 3: the company they don't like black people. And she says,
Speaker 3: I don't believe in discrimination. That's different. There are only
Speaker 3: certain things that are actually protected.
Speaker 4: Now.
Speaker 3: Obviously, companies can be jerks and canceled and all that
Speaker 3: for atrocious behavior with employees. That's why they don't do
Speaker 3: it right. But I don't see this as atrocious. I
Speaker 3: see this as just they just handled they bungled it,
Speaker 3: they handled it wrong. I mean, you know, they should
Speaker 3: have told her why, what reason did they give her?
Speaker 26: They they haven't given her a reason. That's why the
Speaker 26: person's calling her a little bit later. So it sounds like, really,
Speaker 26: the only thing we've got would be the unemployment.
Speaker 3: That's what you yeah, because if she wasn't fired for
Speaker 3: cause or it wouldn't be adequate. By the way they
Speaker 3: didn't like her answers, that's not an adequate reason. She
Speaker 3: can get unemployment, That's what I would go for, or
Speaker 3: she can just when they call, say, listen, I would
Speaker 3: like to know.
Speaker 4: Is there anything I can do to make this up?
Speaker 4: I love my job.
Speaker 3: If she does, and if it's not against the law,
Speaker 3: if it's not illegal, if it's not immoral, maybe she'll
Speaker 3: get her job back.
Speaker 4: I mean that the company is smart. If you're not
Speaker 4: giving a reason, that's right.
Speaker 3: But what what you don't understand is they can give
Speaker 3: a reason and still be smart because you don't have
Speaker 3: to have a.
Speaker 11: Good reason, right.
Speaker 4: But I mean, but the only reason.
Speaker 3: Look, look, I think if she likes her job, she
Speaker 3: should tell them that and just be honest.
Speaker 4: Say I'm floored. I don't know why I was fired.
Speaker 4: Why didn't you fire me yesterday? Just ask them. People
Speaker 4: love directness and honesty, not threats. They love directness and
Speaker 4: honesty more. Coming right up, Go with a sure.
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Speaker 3: pay a cent until you're content. Time for an insurance
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Speaker 3: too much your coverage at dozens of insurance companies. Find
Speaker 3: out now three all three seven to seven to one.
Speaker 3: Help you'll think you're his only customer when you choose
Speaker 3: Frank durand the real estate Man dot com to list
Speaker 3: your home with Remax Alliance three all three nine two
Speaker 3: zero sixteen twenty two. Hi Tom Martino, Here excelroofing dot
Speaker 3: com for all.
Speaker 4: Of your roofing needs. The people I call first anything
Speaker 4: to do with my roof excel as an excellent ex
Speaker 4: Cel excelroofing dot com. Hey, let's talk solar. So someone
Speaker 4: wants to know what financing is available. They can get
Speaker 4: tax credits, what about the actual of financing on a
Speaker 4: house system? What can they get?
Speaker 10: So there's a couple loans that we can look at.
Speaker 10: One would be the renew loan that Colorado supports.
Speaker 4: And how long does that go to.
Speaker 7: The loan program? No end date?
Speaker 10: And then we've got in house financing through a company
Speaker 10: called good Leap.
Speaker 4: And what are rates running around?
Speaker 10: They're pretty ugly, like what, oh gosh, that's around five
Speaker 10: to nine.
Speaker 4: Well that's not terrible. Actually that's not.
Speaker 10: Terrible, but the dealer fees are pretty high. So that
Speaker 10: renew loan's pretty good because there are no dealer fees.
Speaker 10: In it good, and then we're starting to do some
Speaker 10: leases again. They're starting to go back that way because
Speaker 10: they're way more affordable than the loans are.
Speaker 4: All right, very cool, that's probit energy dot com