WEBVTT 1 00:00:00.080 --> 00:00:06.400 Yea ripped. 2 00:00:08.039 --> 00:00:11.080 News needed that's who you don't. 3 00:00:10.960 --> 00:00:15.679 Have come Running's just as fast as we can. 4 00:00:17.000 --> 00:00:20.679 Shooter's gonna help come man Dix. 5 00:00:21.000 --> 00:00:22.600 He is the Troubleshooter Show. 6 00:00:23.239 --> 00:00:29.839 Now, Tom Martino, Hi, Tom Martino here, Welcome to the show. 7 00:00:29.920 --> 00:00:32.479 Three oh three Martinos the number twenty four seven, three 8 00:00:32.560 --> 00:00:35.159 oh three, six two seven, eight four sixty six. You 9 00:00:35.280 --> 00:00:39.359 can always call us also at three oh three seven 10 00:00:39.439 --> 00:00:42.560 one three talks seven one three A two five five. 11 00:00:43.240 --> 00:00:45.840 So why am I laughing? Well? 12 00:00:46.799 --> 00:00:51.840 I tasked Mark with a simple a simple duty. Now 13 00:00:51.920 --> 00:00:54.719 if it turns out to be me, but I looked 14 00:00:54.799 --> 00:00:57.600 up why this is happening. By the way, Welcome everyone. 15 00:00:57.679 --> 00:00:59.479 This is the show where we solve problems, answer question 16 00:00:59.479 --> 00:01:01.600 to take complain. I'll talk to you about the very 17 00:01:01.600 --> 00:01:03.759 important show we have coming up and all of the 18 00:01:03.799 --> 00:01:08.159 stuff we have going on right now. Though I uh, 19 00:01:09.200 --> 00:01:11.000 I know a lot of you want to see studio 20 00:01:11.159 --> 00:01:13.159 video and we're figuring this out. 21 00:01:13.200 --> 00:01:14.879 We've got a brand new YouTube system. 22 00:01:14.920 --> 00:01:17.280 It's actually better, but we're just working out the But 23 00:01:17.359 --> 00:01:19.040 I want to show you that I have a little 24 00:01:19.079 --> 00:01:23.640 problem here, and that is when I show my zoom people. 25 00:01:23.840 --> 00:01:27.799 Because when I show the Zoom it for some reason 26 00:01:28.480 --> 00:01:29.719 comes up upside down. 27 00:01:30.319 --> 00:01:33.959 Why, I have no idea trying to figure it out, 28 00:01:34.079 --> 00:01:39.040 but we uh, it's coming in upside down, and everything 29 00:01:39.480 --> 00:01:41.879 that I'm reading says that's on the other end. 30 00:01:42.319 --> 00:01:45.280 They might they have their camera flipped somehow, but in 31 00:01:45.400 --> 00:01:48.959 any case, where will work that out and get you 32 00:01:49.840 --> 00:01:52.560 a picture. Welcome to the show. I'm Tom Martine. By 33 00:01:52.560 --> 00:01:54.400 the way, three three, I'll work it out during a break. 34 00:01:54.439 --> 00:01:56.439 Three oh three seven one three talk seven one three 35 00:01:56.480 --> 00:01:58.040 eight two five five. Now, this is what we're talking 36 00:01:58.040 --> 00:01:58.599 about today. 37 00:02:00.640 --> 00:02:04.400 We had an attorney call us with a problem that 38 00:02:04.560 --> 00:02:09.680 sounded unbelievable to me, and she's actually visiting the studio 39 00:02:10.199 --> 00:02:14.199 with the client. Mark's there at the studio, and then 40 00:02:14.520 --> 00:02:17.400 we have John Fuller with us as a guest our, 41 00:02:17.560 --> 00:02:21.039 his personal injury expert. Also really just a man about town. 42 00:02:21.080 --> 00:02:22.520 He knows a lot about a lot of things, so 43 00:02:22.599 --> 00:02:24.400 he's going to chime in on a bunch of stuff. 44 00:02:26.039 --> 00:02:31.439 He's also an expert at evaluating accidents and damages and 45 00:02:31.560 --> 00:02:32.159 things like that. 46 00:02:33.719 --> 00:02:38.560 So welcome everyone. Let's talk right now though about this. 47 00:02:39.000 --> 00:02:43.240 Oh it's right side up now, guys, Thank you, Mark, how'd. 48 00:02:43.080 --> 00:02:43.400 You do that? 49 00:02:43.960 --> 00:02:44.759 Didn't do anything. 50 00:02:45.479 --> 00:02:49.439 Oh oh, come on, you didn't do anything. And all 51 00:02:49.479 --> 00:02:51.719 I see I see our attorney in client. I don't 52 00:02:51.759 --> 00:02:53.719 see I see John Fuller, just the edge of him, 53 00:02:53.719 --> 00:02:55.879 and I don't see you. But that's okay. And then 54 00:02:55.879 --> 00:02:58.039 I'm going to bring you guys up very soon. But 55 00:02:58.400 --> 00:03:03.560 in any case, can you explain this car deal to 56 00:03:03.759 --> 00:03:08.680 us and how you came about, how you know about it. 57 00:03:09.120 --> 00:03:13.360 It's terrible, and you said you would get back in 58 00:03:13.479 --> 00:03:14.800 touch with this. You sent us stuff. 59 00:03:15.039 --> 00:03:17.159 But I want you to explain this car deal. And 60 00:03:17.159 --> 00:03:18.560 then I'm going to go to the phones of course. 61 00:03:19.159 --> 00:03:22.599 Three three seven one three talk seven one three eight 62 00:03:22.599 --> 00:03:27.800 two five five or three oh three Martino. 63 00:03:29.639 --> 00:03:38.240 Okay, let's talk about our problem with the car. I'm sorry, 64 00:03:38.280 --> 00:03:40.319 I don't have your name right handy. I'm so sorry. 65 00:03:40.319 --> 00:03:41.680 I'm looking for the original call. 66 00:03:42.319 --> 00:03:43.400 And that's okay. 67 00:03:43.439 --> 00:03:45.199 It's bias Raina. 68 00:03:45.400 --> 00:03:47.759 Yeah, I remember it was a pretty name, Raina. Raina, 69 00:03:48.400 --> 00:03:50.319 talk to me. I'm looking for the original call. 70 00:03:50.400 --> 00:03:54.520 But it sounded outrageous, and he came to. 71 00:03:54.520 --> 00:03:56.800 You because he didn't know what to do. So explain 72 00:03:56.879 --> 00:03:59.680 the situation so we can understand. It's very complicated. 73 00:04:00.840 --> 00:04:04.039 So and Ron is here with us, as well, So 74 00:04:04.159 --> 00:04:06.840 thank you so much for having us on. Ron Simpson. 75 00:04:07.000 --> 00:04:10.919 He is he's a great guy, former teacher, retired, former 76 00:04:11.000 --> 00:04:17.120 military and he unfortunately is has terminal cancer. He's going 77 00:04:17.160 --> 00:04:21.600 to pass away from mesothomeilia and he hasn't been given 78 00:04:21.720 --> 00:04:28.279 much longer to live. So he decided that his dream 79 00:04:28.959 --> 00:04:30.879 was to go to the coast. He wanted to get 80 00:04:30.959 --> 00:04:33.279 his dream car, which is a Mercedes Benz. He drove 81 00:04:33.319 --> 00:04:36.319 a toe to Avalon, completely paid off. He wants his 82 00:04:36.519 --> 00:04:38.519 dream car and he wants to go to the coast 83 00:04:38.800 --> 00:04:42.240 and he wants to see the ocean. So he goes 84 00:04:42.319 --> 00:04:46.439 into Colorado Springs Mercedes Benz and he speaks with them 85 00:04:46.439 --> 00:04:49.120 about buying a vehicle. So he buys a Mercedes Benz 86 00:04:49.759 --> 00:04:53.199 and trades in. Has fully paid off Avalon and also 87 00:04:53.319 --> 00:04:56.360 pays his down payment, and they sell it to him 88 00:04:56.439 --> 00:04:59.079 for forty three thousand, three hundred dollars. 89 00:04:59.240 --> 00:05:00.240 Nothing shady about that. 90 00:05:01.120 --> 00:05:04.160 And then as he's speaking with them, they start talking 91 00:05:04.240 --> 00:05:08.720 him into service contracts. Now, mind you this, he's terminal, 92 00:05:09.279 --> 00:05:11.639 he's been given very short time to live. He doesn't 93 00:05:11.680 --> 00:05:15.279 need a service contract. He's in active chemo. So he's 94 00:05:15.319 --> 00:05:17.560 talking to them about the service contract, and he's getting 95 00:05:17.560 --> 00:05:20.240 a little bit confused. Okay, he just turned seventy five. 96 00:05:20.279 --> 00:05:22.079 I just found out his birthday was a couple of 97 00:05:22.120 --> 00:05:25.519 days ago. And so he talks to them and they 98 00:05:25.639 --> 00:05:28.279 sell him thirteen thousand dollars worth of service contracts, a 99 00:05:28.319 --> 00:05:31.560 maintenance contract and a service contract. So he walks out 100 00:05:31.680 --> 00:05:35.399 not quite understanding fully what his deal was, and they 101 00:05:35.959 --> 00:05:36.839 take a while to give. 102 00:05:36.800 --> 00:05:37.199 Him his car. 103 00:05:37.519 --> 00:05:40.439 He finally gets his car and he gets his first 104 00:05:40.959 --> 00:05:44.399 payment Couvon, and it's seven hundred dollars, and it's much 105 00:05:44.439 --> 00:05:46.240 more than he thought he was going to owe, right 106 00:05:46.560 --> 00:05:49.240 because he brought this twenty thousand dollars toy to avalon 107 00:05:49.360 --> 00:05:51.920 In and brought in a down payment. So how in 108 00:05:51.959 --> 00:05:54.399 the world does he owed seven hundred dollars And he's 109 00:05:54.439 --> 00:05:55.199 on a fixed income. 110 00:05:55.560 --> 00:05:57.439 You know, he did have a savings account. 111 00:05:57.560 --> 00:06:02.759 His wife previously passed away recently from cancer, and a 112 00:06:02.839 --> 00:06:04.920 lot of a lot of her treatment was paid for 113 00:06:05.199 --> 00:06:08.319 by the savings account, So he really doesn't have a 114 00:06:08.399 --> 00:06:10.800 lot left. He really is on a fixed income. So 115 00:06:11.120 --> 00:06:13.959 he decides he can't afford it. You know, he doesn't 116 00:06:13.959 --> 00:06:15.680 have that much time to live and he can't be 117 00:06:15.839 --> 00:06:18.959 just burdened with debt. So he goes back to Colorado 118 00:06:19.000 --> 00:06:22.519 Springs Mercedes Benz and says, take this vehicle back. 119 00:06:22.639 --> 00:06:23.720 I want my own vehicle. 120 00:06:24.120 --> 00:06:26.600 I see that you know you still have it. And 121 00:06:26.680 --> 00:06:29.199 they sit him in the office and he's an active 122 00:06:29.279 --> 00:06:32.560 chemot for hours and hours and hours, and at the 123 00:06:32.680 --> 00:06:36.360 end of the deal, he walks out having a thirty 124 00:06:36.399 --> 00:06:41.079 three thousand dollars loan on his vehicle on the Toyota Avalon, 125 00:06:41.680 --> 00:06:45.000 despite giving them back the Mercedes Benz a month later. 126 00:06:45.160 --> 00:06:46.879 This is there's a month in between. 127 00:06:47.160 --> 00:06:51.600 So his net spend, his net spend after dealing with 128 00:06:51.759 --> 00:06:54.959 what I'm going to call crooks, What is his net 129 00:06:55.040 --> 00:06:57.079 spend out of pocket from the day he walked in, 130 00:06:57.319 --> 00:07:01.040 his net out of pocket that he's lost Okay. 131 00:07:01.360 --> 00:07:04.920 So he paid approximately nine thousand dollars in all these 132 00:07:05.000 --> 00:07:08.959 down payments, okay, and he still has a loan on 133 00:07:09.160 --> 00:07:12.240 his Toyota Avalon. So he gets his vehicle back and 134 00:07:12.319 --> 00:07:13.399 he's paid nine to do. 135 00:07:13.560 --> 00:07:15.480 But before that, what did he owe on his car 136 00:07:16.319 --> 00:07:16.839 on the Avalon? 137 00:07:17.000 --> 00:07:17.160 Zero? 138 00:07:18.040 --> 00:07:18.319 Okay? 139 00:07:18.759 --> 00:07:21.120 So he went in with a car that was paid for, 140 00:07:21.319 --> 00:07:24.680 got another car, brought it back and he's out nine 141 00:07:24.759 --> 00:07:26.079 grand plus has a debt. 142 00:07:26.600 --> 00:07:27.079 That's correct. 143 00:07:27.120 --> 00:07:29.319 And just so you know, when he went to try 144 00:07:29.360 --> 00:07:32.199 to get his car back, they sold his car back, 145 00:07:32.399 --> 00:07:35.079 put dealer in handling on it, put a lien on it, 146 00:07:35.199 --> 00:07:38.120 and sold him another service contract. 147 00:07:37.920 --> 00:07:40.600 For four Now I have to ask, I really have 148 00:07:40.680 --> 00:07:43.279 to ask you the obvious. Yeah, did you just call 149 00:07:43.360 --> 00:07:46.480 him and say, come on, guys, this is unconscionable and 150 00:07:46.600 --> 00:07:48.839 we're going to sue the hell out of you? Yes? 151 00:07:49.120 --> 00:07:49.319 Yes? 152 00:07:49.839 --> 00:07:50.720 And what did they say? 153 00:07:51.360 --> 00:07:51.399 So? 154 00:07:51.519 --> 00:07:52.120 I called them? 155 00:07:52.240 --> 00:07:54.360 I left a message. I left a message with the 156 00:07:54.480 --> 00:07:56.360 GM who's this is Phil Long. 157 00:07:56.480 --> 00:07:58.160 This is Mercedes Benz Phil Long. 158 00:07:58.560 --> 00:07:58.920 That's right. 159 00:07:59.000 --> 00:08:03.000 So Phil Long is the owner of Colorado Springs Mercedes 160 00:08:03.079 --> 00:08:03.959 ben So they do business. 161 00:08:04.040 --> 00:08:06.160 Okay, we got to call them then, I mean, they 162 00:08:06.279 --> 00:08:09.040 have to have said, let's undo this thing. They can't 163 00:08:09.160 --> 00:08:13.920 possibly think. They can't possibly think that this thing is 164 00:08:13.959 --> 00:08:16.000 gonna fly. By the way, we do have the studio 165 00:08:16.160 --> 00:08:18.839 up and running. It's on YouTube right now, but they 166 00:08:19.000 --> 00:08:20.079 can't come on. 167 00:08:21.240 --> 00:08:23.240 So when I talk to them, what they told me 168 00:08:23.480 --> 00:08:26.720 was that they would cancel the four thousand dollars service 169 00:08:26.759 --> 00:08:29.000 contract that they had added on the talk for Avalon 170 00:08:29.079 --> 00:08:29.480 and that is it. 171 00:08:29.639 --> 00:08:31.279 But what are they gonna do about all of the 172 00:08:31.360 --> 00:08:31.920 other money. 173 00:08:32.279 --> 00:08:33.559 I called them and call them. 174 00:08:33.919 --> 00:08:35.279 We played a little bit of phone tag, and then 175 00:08:35.320 --> 00:08:37.639 I just kept calling and honestly, Tom, I was like, look, 176 00:08:37.919 --> 00:08:39.240 I got to take to the next level. If you 177 00:08:39.279 --> 00:08:40.960 guys don't call me back. They didn't call me back, 178 00:08:41.000 --> 00:08:42.279 and I called you all. 179 00:08:42.200 --> 00:08:45.480 Right, let's okay, who wants to take this? I'm serious. 180 00:08:45.519 --> 00:08:47.279 We got to call them and just say, look that 181 00:08:47.639 --> 00:08:50.399 the jig's up. This is the top. 182 00:08:51.039 --> 00:08:55.399 We called them on Friday. The sales manager is off today, 183 00:08:55.879 --> 00:08:56.960 he's in tomorrow. 184 00:09:00.039 --> 00:09:02.960 Why let's talk GM of the damn place. Let's talk 185 00:09:03.039 --> 00:09:06.919 to the GM. This is this is, this is truly ridiculous. 186 00:09:08.440 --> 00:09:12.279 I mean, if you chart this out, okay, he went 187 00:09:12.480 --> 00:09:18.519 in with a paid off car worth twenty grand, right 188 00:09:18.919 --> 00:09:25.279 plus he put down five grand originally, right, So that's 189 00:09:25.360 --> 00:09:28.519 fun twenty five thousand plus alone. 190 00:09:28.919 --> 00:09:33.879 Right. The loan for that original car was how much 191 00:09:34.200 --> 00:09:35.120 the original loan. 192 00:09:35.200 --> 00:09:37.440 Thirty nine thirty nine. 193 00:09:37.720 --> 00:09:40.720 So basically, if you take the thirty nine plus the 194 00:09:40.840 --> 00:09:42.200 twenty plus the five. 195 00:09:43.519 --> 00:09:46.039 I mean, how much did he pay for that damn car? 196 00:09:46.840 --> 00:09:50.200 Think about it. Just because you get away with it doesn't. 197 00:09:49.919 --> 00:09:50.480 Make it right. 198 00:09:51.679 --> 00:09:55.480 I mean, really, Am I reading that correctly? Twenty thousand dollars? 199 00:09:55.639 --> 00:09:58.919 His car was worth twenty grand? Is that retail twenty grand? 200 00:09:58.960 --> 00:10:00.919 Are we being real this stick here on that car? 201 00:10:01.120 --> 00:10:01.759 Twenty grand? 202 00:10:02.039 --> 00:10:04.120 I would say so, I would say that that's about 203 00:10:04.120 --> 00:10:05.080 a realistic. 204 00:10:04.799 --> 00:10:08.120 Value of the So twenty plus you put five thousand 205 00:10:08.200 --> 00:10:14.120 down originally, right, Yes, that's right, that's twenty five plus 206 00:10:15.159 --> 00:10:16.399 plus thirty nine. 207 00:10:16.879 --> 00:10:23.320 So he paid sixty four thousand dollars, sixty four thousand 208 00:10:23.480 --> 00:10:26.080 dollars for a what. 209 00:10:27.679 --> 00:10:29.120 A Mercedes Benz. 210 00:10:30.759 --> 00:10:30.919 Is it? 211 00:10:31.320 --> 00:10:36.960 What model S class dreamcar? 212 00:10:37.159 --> 00:10:39.720 What twenty eighteen Mercedes Benz S Class? 213 00:10:40.879 --> 00:10:43.600 What does that worth? Did you do a compound that 214 00:10:44.039 --> 00:10:44.320 I did? 215 00:10:44.399 --> 00:10:45.960 It's worth about thirty nine thousand. 216 00:10:48.559 --> 00:10:52.759 So he double paid for that car almost, yes, and 217 00:10:52.919 --> 00:10:54.799 then goes away, wants. 218 00:10:54.639 --> 00:10:59.200 To get his car back. He takes his car back 219 00:11:00.799 --> 00:11:05.519 and they put an extended warranty on it. Oh my god. 220 00:11:06.720 --> 00:11:09.759 Yeah, but now he doesn't have the Mercedes, he doesn't 221 00:11:09.799 --> 00:11:12.679 have the nine thousand. He does have a thirty three 222 00:11:12.840 --> 00:11:16.600 thousand dollars loan on the same vehicle he showed up 223 00:11:16.639 --> 00:11:18.159 with that was paid off. 224 00:11:20.080 --> 00:11:23.600 And actually, isn't it ninety seven hundred dollars in cash 225 00:11:23.759 --> 00:11:26.399 forty seven down the second time forty seven hundred. 226 00:11:26.679 --> 00:11:26.840 Yeah. 227 00:11:26.919 --> 00:11:31.759 Yeah, I mean, if you chart this out, this is immoral. 228 00:11:32.080 --> 00:11:36.039 And you know what, Okay, Mark, if ever we needed 229 00:11:36.360 --> 00:11:39.440 to take a video camera and go to Colorado Springs, 230 00:11:39.440 --> 00:11:40.279 you and I need to do this. 231 00:11:40.759 --> 00:11:42.559 You tell me when I need the distraction. 232 00:11:42.679 --> 00:11:44.840 You tell me we're going to go down and walk 233 00:11:44.919 --> 00:11:48.159 into that damn showroom and we're going to if you 234 00:11:48.240 --> 00:11:50.279 want to come with us, if the victim wants to 235 00:11:50.320 --> 00:11:50.759 come with us. 236 00:11:50.919 --> 00:11:54.279 This is wrong. This is wrong. This is wrong. There's 237 00:11:54.360 --> 00:11:56.039 no two ways. And you know what, people, I have 238 00:11:56.240 --> 00:11:59.200 no qualms about telling you to call down to Colorado 239 00:11:59.240 --> 00:12:03.120 Springs Mercedes and ask them, how dare how dare they 240 00:12:03.240 --> 00:12:06.960 do this to a man with terminal cancer? For God's sakes? 241 00:12:07.039 --> 00:12:09.360 How dare they do it? Those churchs? 242 00:12:09.639 --> 00:12:11.519 So I have an update. 243 00:12:12.240 --> 00:12:16.000 They just hung up on me. Give me the number. 244 00:12:16.039 --> 00:12:17.120 Would refuse to. 245 00:12:17.480 --> 00:12:20.320 Come on air? For Give me the number. Give me 246 00:12:20.399 --> 00:12:20.799 the number. 247 00:12:21.000 --> 00:12:21.399 I got it. 248 00:12:22.679 --> 00:12:24.080 You read still Long? Call it now. 249 00:12:24.200 --> 00:12:29.039 This is Colorado Springs, Mercedes, and it phill Long's Colorado Springs. 250 00:12:29.120 --> 00:12:30.720 Mercedes hold On owns it. 251 00:12:31.159 --> 00:12:33.679 Mercedes Benz of Colorado Springs. 252 00:12:34.159 --> 00:12:36.240 Mercedes Benz of Colorado Springs, and. 253 00:12:36.320 --> 00:12:40.039 The GM apparently has his door closed as I was told, 254 00:12:40.360 --> 00:12:41.879 and is in meetings of people. 255 00:12:41.960 --> 00:12:44.799 Do you understand we're doing a good of public service here. 256 00:12:44.960 --> 00:12:46.679 I'm not going to ask you to be vulgar. I'm 257 00:12:46.720 --> 00:12:48.519 not going to ask you to be anything except you 258 00:12:48.679 --> 00:12:50.799 tell them you heard about this, and you will let 259 00:12:51.039 --> 00:12:55.480 absolutely every single person in the world. 260 00:12:55.679 --> 00:12:59.120 Know about it. Okay, you ready for the number? Yes? 261 00:12:59.240 --> 00:13:08.080 I am seven nine six six three nine two two 262 00:13:08.600 --> 00:13:14.360 six eight two two six eight Okay, Now I'm okay. 263 00:13:14.639 --> 00:13:17.799 I want to ask Rain of something in John something 264 00:13:17.799 --> 00:13:20.480 because you know, they they hear me talk and probably think, oh, 265 00:13:20.519 --> 00:13:23.240 this guy, you know, back in the day, he took 266 00:13:23.240 --> 00:13:25.240 a few law courses and thinks he's lower and he's 267 00:13:25.279 --> 00:13:28.480 nowhere close And you're right, I'm not. But is there 268 00:13:28.639 --> 00:13:35.960 ever something called okay, is there something ever so unconscionable that, 269 00:13:36.159 --> 00:13:39.159 even though this man may have signed his name seriously, 270 00:13:39.799 --> 00:13:42.519 is there ever anything like that where a judge or 271 00:13:42.639 --> 00:13:46.600 some the court of equity says, are you kidding me? 272 00:13:48.480 --> 00:13:50.679 Is there something that can happen like this? 273 00:13:53.200 --> 00:13:53.399 Tom? 274 00:13:53.559 --> 00:13:57.799 To me, this borders on criminal okay in terms of 275 00:13:58.200 --> 00:14:01.080 an at risk and adult at risk adult. I mean, 276 00:14:01.120 --> 00:14:04.240 I think you're taking advantage of it. It's fraud I mean, 277 00:14:04.559 --> 00:14:05.840 I don't care how you look at it. It's a 278 00:14:05.919 --> 00:14:09.600 fraudulent case. He's an at risk adult. To me, that's criminal. 279 00:14:10.120 --> 00:14:14.320 Although what we're seeking here is civil damages. But my 280 00:14:14.519 --> 00:14:19.200 concern is, you know, and this is kind of morbid. 281 00:14:19.360 --> 00:14:22.720 But the challenge with at risk you know, clients and 282 00:14:22.759 --> 00:14:26.240 stuff is that, in many respects, the damages that we 283 00:14:26.360 --> 00:14:28.879 have in this case, should you pass away, sir, Those 284 00:14:28.960 --> 00:14:32.360 damages go away and you're left with just the economic 285 00:14:32.440 --> 00:14:35.440 aspects of which are not insignificant. But to me, the 286 00:14:35.559 --> 00:14:40.039 non economic components are way worth more than the economics. 287 00:14:40.159 --> 00:14:42.759 But have you looked into the criminal side of this. 288 00:14:43.720 --> 00:14:46.159 We haven't looked into the criminal side of this, just 289 00:14:46.240 --> 00:14:48.559 because I do civil work, right, so I don't usually 290 00:14:48.639 --> 00:14:50.960 do criminal work and civilly. I think that we might 291 00:14:51.039 --> 00:14:53.799 have a claim for fraudulent misrepresentation. I think we might 292 00:14:53.840 --> 00:14:56.559 have a claim for negligent misrepresentation. And the negligence comes 293 00:14:56.600 --> 00:15:00.559 in because when they sold him the service contract, sure 294 00:15:00.679 --> 00:15:03.399 he signed his name. Now, granted he's under a lot 295 00:15:03.440 --> 00:15:04.879 of pressure, he was in active chemo. 296 00:15:04.960 --> 00:15:08.919 They should have recognized this there's way an at risk 297 00:15:08.960 --> 00:15:11.879 adult and not one that you know is in an 298 00:15:12.000 --> 00:15:14.200 equal bargaining position to buy anything. 299 00:15:14.639 --> 00:15:15.360 Yes, exactly. 300 00:15:15.639 --> 00:15:17.279 And they should have told him when they came to 301 00:15:17.360 --> 00:15:20.480 return the vehicle that if he canceled the service contracts, 302 00:15:20.639 --> 00:15:23.480 he would have gotten almost every single dollar of that back. 303 00:15:23.519 --> 00:15:24.360 And they didn't do it. 304 00:15:24.639 --> 00:15:27.600 And they didn't do it because dealerships make money off 305 00:15:27.639 --> 00:15:30.960 of every single service contract that they sell. They get 306 00:15:31.120 --> 00:15:34.200 cut off the top, so they didn't do it so 307 00:15:34.279 --> 00:15:37.159 that they could pocket that money. And yet now he's 308 00:15:37.200 --> 00:15:39.240 left with thirteen thousand dollars that he owes in a 309 00:15:39.279 --> 00:15:42.480 service contract on a vehicle that he doesn't even own anymore. 310 00:15:43.080 --> 00:15:45.000 Yeah, I have to take a break or I'm going 311 00:15:45.080 --> 00:15:48.559 to be beat up by Shannon. I'm Tom Martino three 312 00:15:48.639 --> 00:15:51.120 zero three seven one three talks seven one three eight 313 00:15:51.159 --> 00:15:59.399 two five five more. Coming home, Go with a sure 314 00:15:59.480 --> 00:16:02.919 thing Verus Best Roofer, Excel Roofing dot com. You don't 315 00:16:02.919 --> 00:16:08.960 pay a cent until you're contenth time for an insurance 316 00:16:09.080 --> 00:16:13.320 checkup free no obligation comparison call Compass Insurance paying too 317 00:16:13.399 --> 00:16:16.440 much your coverage at dozens of insurance companies find out 318 00:16:16.480 --> 00:16:19.000 now three oh three seven seven to one help. You'll 319 00:16:19.039 --> 00:16:21.759 think you're his only customer when you choose Frank durand 320 00:16:21.799 --> 00:16:24.200 the real estate Man dot com to list your home 321 00:16:24.440 --> 00:16:27.600 with Remax Alliance three oh three nine two zero sixteen 322 00:16:27.679 --> 00:16:38.120 twenty two. Hi Tom Martino, you're troubleshooter three oh three 323 00:16:38.440 --> 00:16:41.919 seven one three talks seven one three eight two five five. 324 00:16:42.759 --> 00:16:43.840 Welcome to the show. 325 00:16:44.759 --> 00:16:47.200 This hour brought to you by waterpros dot net the 326 00:16:47.279 --> 00:16:50.559 best water systems, the lowest prices right now especially, there 327 00:16:50.639 --> 00:16:51.879 is a special going on now. 328 00:16:51.960 --> 00:16:55.080 You're not going to believe. Oh my god, it's unbelievable. 329 00:16:55.960 --> 00:17:00.480 It's a whole house conditioning softening system and the trip 330 00:17:00.519 --> 00:17:04.279 will filter reverse osmosis for drinking water at the kitchen sink, 331 00:17:04.400 --> 00:17:06.920 all for thirty one ninety five. You will never ever 332 00:17:07.240 --> 00:17:10.200 ever find these systems like this for this price. 333 00:17:10.319 --> 00:17:13.119 In fact, plumbers will have them as twice or three times, no, 334 00:17:13.319 --> 00:17:16.799 not twice like starting at twelve thirteen, fourteen thousand. I 335 00:17:16.880 --> 00:17:18.680 know a lot of my plumbing buddies get upset with that, 336 00:17:18.799 --> 00:17:21.960 but I'm telling you waterpros dot net three three eight 337 00:17:22.039 --> 00:17:25.920 six two five five five four, so I know we 338 00:17:26.000 --> 00:17:27.880 have other people aside from this car deal but this 339 00:17:28.039 --> 00:17:32.440 car deal is so unconscionable it makes me sick. Marianne said. 340 00:17:32.480 --> 00:17:35.799 She called down there, Marianne, what happened when you called 341 00:17:36.039 --> 00:17:36.519 down there? 342 00:17:38.400 --> 00:17:42.039 Well, I chose to speak to the sales department, a 343 00:17:42.119 --> 00:17:44.400 man who identified himself as. 344 00:17:47.319 --> 00:17:51.160 Oh it does it doesn't matter, It doesn't matter. 345 00:17:51.240 --> 00:17:54.119 You talk to him about what I just said, that 346 00:17:54.240 --> 00:17:57.160 I was listening to Tom Martino's show and that I'd 347 00:17:57.240 --> 00:18:01.480 listened to a situation that sounded to me unconscionable. 348 00:18:02.000 --> 00:18:04.759 Yes, that they would do business that way. 349 00:18:04.880 --> 00:18:07.799 He was incredibly rude right from the get go. 350 00:18:08.160 --> 00:18:11.119 Of course we win, he said, And he said, well, 351 00:18:11.200 --> 00:18:14.200 what happened? I said, I don't know everything, but I said, 352 00:18:14.680 --> 00:18:18.319 a man who is I understand, terminally ill, came in 353 00:18:18.559 --> 00:18:22.519 and traded in a vehicle, had second thoughts, came back 354 00:18:22.759 --> 00:18:24.920 and got his car back, and ended. 355 00:18:24.839 --> 00:18:28.720 Up in a really, really bad financial situt. 356 00:18:28.960 --> 00:18:31.000 I'm going to lay it out. I'm going to lay 357 00:18:31.039 --> 00:18:33.359 high five in each other down there right now. I'm 358 00:18:33.400 --> 00:18:36.359 going to lay it out so everyone will understand exactly 359 00:18:36.440 --> 00:18:39.119 what happened, because that's what we have to do. In fact, 360 00:18:39.160 --> 00:18:40.880 I've said this to I've. 361 00:18:40.799 --> 00:18:43.200 Said this to attorneys before, I've said this to people, 362 00:18:44.079 --> 00:18:46.240 the people who often win in court, and thank you 363 00:18:46.359 --> 00:18:48.640 for calling. I appreciate that, Marianne, And I'm going to 364 00:18:48.720 --> 00:18:52.119 give out that number again for and listen. 365 00:18:52.160 --> 00:18:53.839 When you call him, here's what you tell them. 366 00:18:54.319 --> 00:18:58.480 He went in with a paid off car, completely paid off, 367 00:18:59.720 --> 00:19:04.799 and and paid sixty four thousand dollars for a Mercedes. 368 00:19:04.960 --> 00:19:08.160 Not worth that, okay, but that's okay, he overpaid. All right, 369 00:19:08.559 --> 00:19:10.880 Let's say he overpaid for that Mercedes. He paid like 370 00:19:11.000 --> 00:19:12.160 sixty four grand for it. 371 00:19:13.079 --> 00:19:17.319 Now, on top of that, he took the Mercedes back 372 00:19:17.839 --> 00:19:22.200 and ended up with his paid off car back. But 373 00:19:23.880 --> 00:19:24.960 this is the net result. 374 00:19:25.759 --> 00:19:31.279 He has a twenty seven thousand dollars loan, nine thousand, 375 00:19:31.640 --> 00:19:36.119 seven hundred bucks out of pocket, plus a four thousand 376 00:19:36.119 --> 00:19:37.319 dollars service contract. 377 00:19:38.160 --> 00:19:39.440 So so think about that. 378 00:19:40.519 --> 00:19:44.559 Think about how not only did he overpay almost twice 379 00:19:44.680 --> 00:19:48.480 for the car that he bought when he took it back, 380 00:19:49.440 --> 00:19:52.960 they sold him his car back that was paid off, 381 00:19:53.680 --> 00:19:56.960 he now has a twenty seven thousand dollars loan on 382 00:19:57.160 --> 00:19:57.839 his car. 383 00:19:59.200 --> 00:20:02.480 And nine seven hundred out of pockets. So let's analyze it. 384 00:20:03.119 --> 00:20:08.720 I look at raw numbers twenty seven thirty seven basically 385 00:20:09.319 --> 00:20:13.759 with the ten he's got thirty seven thousand dollars that 386 00:20:13.960 --> 00:20:16.599 he spent to use the Mercedes for How long? 387 00:20:19.799 --> 00:20:21.599 How long? How long did he have it? 388 00:20:21.839 --> 00:20:21.920 All? 389 00:20:22.000 --> 00:20:22.119 Right? 390 00:20:22.200 --> 00:20:22.640 One month? 391 00:20:23.640 --> 00:20:24.240 For one month? 392 00:20:24.680 --> 00:20:28.720 So for doing business with Phil Long Mercedes Benz of 393 00:20:28.839 --> 00:20:42.319 Colorado springs, this guy with terminal cancer, he ended up 394 00:20:43.599 --> 00:20:51.599 with a thirty seven thousand dollars bill. How can they 395 00:20:51.720 --> 00:20:55.039 sleep at night? And how can those a holes? How 396 00:20:55.119 --> 00:21:00.440 can those bastards not know how evil they are? For 397 00:21:00.680 --> 00:21:06.200 God's sakes? Am I exaggerating? Please tell me guys in 398 00:21:06.279 --> 00:21:07.880 the street? Am I exaggerating? 399 00:21:09.559 --> 00:21:11.680 Did you try to talk to them numerous times? 400 00:21:11.920 --> 00:21:12.039 Oh? 401 00:21:12.480 --> 00:21:17.640 I did, as it happened most some of the times. 402 00:21:17.680 --> 00:21:23.000 When I went in, I ask you to chemo, and 403 00:21:23.880 --> 00:21:28.279 chemo affects people differently, but it really makes you tired 404 00:21:28.839 --> 00:21:35.799 and disoriented, and it just wears you down. So they 405 00:21:35.920 --> 00:21:37.880 kept me till after hours, and I just wanted to 406 00:21:37.920 --> 00:21:41.680 get home because I have a heart condition. It's called 407 00:21:44.279 --> 00:21:47.920 t RV anyway, and I feel like coming on again 408 00:21:48.000 --> 00:21:51.640 any emotion and stuff. But I tried to go in 409 00:21:52.119 --> 00:21:53.960 and I said, Okay, I'm a big boy, I'm made 410 00:21:53.960 --> 00:21:57.480 to deal. Let me buy the car. And I wrote 411 00:21:57.519 --> 00:22:01.359 down the deal. I says, if you think I I'll 412 00:22:01.400 --> 00:22:03.960 buy the car back, here's your full asking price on 413 00:22:04.039 --> 00:22:07.720 the car salf I said, I just want the title 414 00:22:07.799 --> 00:22:10.599 back to my car. That's going to my niece and 415 00:22:10.720 --> 00:22:13.960 my five thousand. I said that seems fair, and he 416 00:22:14.079 --> 00:22:17.640 left and six hours later I went on. But the 417 00:22:17.759 --> 00:22:20.200 deals went like that, and I kept setting new people, 418 00:22:20.839 --> 00:22:22.440 and I said, I want to talk to the manager, 419 00:22:23.200 --> 00:22:25.559 and they gave me somebody that talked to me, and 420 00:22:25.599 --> 00:22:27.519 I think was his first dawn and the job. 421 00:22:27.920 --> 00:22:29.559 You never got to talk to the manager. 422 00:22:30.039 --> 00:22:33.240 No, I talked to him. I don't know what he 423 00:22:33.400 --> 00:22:34.079 called himself. 424 00:22:34.119 --> 00:22:36.839 But what exact model is that car? 425 00:22:37.000 --> 00:22:37.160 Sir? 426 00:22:37.720 --> 00:22:42.039 It's that's five fifty I think fifty. I talked to 427 00:22:42.160 --> 00:22:44.880 the the deal was the finance director. 428 00:22:45.440 --> 00:22:47.319 Yeah, And did they try to do it as two 429 00:22:47.359 --> 00:22:50.359 separate transactions, like he was literally trading in the five 430 00:22:50.359 --> 00:22:52.160 point fifty and then buying his car back. 431 00:22:52.440 --> 00:22:54.400 Well, even if they did, even if they did, the 432 00:22:54.559 --> 00:22:56.279 net net is ridiculous. 433 00:22:56.480 --> 00:22:58.440 I totally agree. I'm just trying to figure out how 434 00:22:58.480 --> 00:23:01.279 in the world they got to this point except by 435 00:23:01.359 --> 00:23:03.039 doing it as two separate transactions. 436 00:23:03.480 --> 00:23:04.359 I'd like to help you. 437 00:23:04.960 --> 00:23:07.279 Yep, they did it as two separate transactions. What they 438 00:23:07.519 --> 00:23:09.799 right is absolutely crazy, absolutely crazy. 439 00:23:09.799 --> 00:23:11.359 And I went in to try to string it out. 440 00:23:11.400 --> 00:23:13.880 I said, you know, I got a fair brain. Left 441 00:23:15.440 --> 00:23:18.720 comes and goes, but let's just sit down. And I didn't. 442 00:23:18.920 --> 00:23:21.640 I didn't get anybody. Yeah, And I said, this can't 443 00:23:21.680 --> 00:23:23.880 be right. And they said it's just a service fee. 444 00:23:24.720 --> 00:23:26.720 And he said the devil's in the details. Don't read 445 00:23:26.799 --> 00:23:31.640 those contracts. And I said, well, I've learned a lesson, 446 00:23:31.720 --> 00:23:34.400 but I'm not gonna This is not fair. I don't 447 00:23:34.400 --> 00:23:35.839 want to happen to somebody else. 448 00:23:36.519 --> 00:23:40.160 I mean, you know, I can't believe that anyone, anyone 449 00:23:40.440 --> 00:23:43.279 would look at this deal in management, anyone. 450 00:23:43.599 --> 00:23:46.720 And they would they would put up with it. People here, Okay, 451 00:23:46.880 --> 00:23:48.960 you know what, screw. 452 00:23:49.000 --> 00:23:53.720 All of the technicalities here, this is absolutely wrong. 453 00:23:53.960 --> 00:23:57.759 There is no middle ground. This is wrong. Here's a 454 00:23:57.880 --> 00:24:00.440 man on chemo with chemo brain. This is a man 455 00:24:00.599 --> 00:24:03.000 dying from cancer. This is a man who went in 456 00:24:03.119 --> 00:24:06.920 there to buy his dream car. Okay, let's call him 457 00:24:07.039 --> 00:24:10.799 stupid for doing that. Let's call him impulsive, and then 458 00:24:10.880 --> 00:24:13.960 he takes the car back. Does that mean if someone 459 00:24:14.119 --> 00:24:18.359 is impulsive and ignorant of law and details. Does that 460 00:24:18.680 --> 00:24:22.359 mean someone should screw them like this? Because the net result, 461 00:24:23.160 --> 00:24:26.720 the net result, that's what counts. He walks away. 462 00:24:27.839 --> 00:24:30.799 He walks away after using that Mercedes for a month 463 00:24:31.720 --> 00:24:35.400 with a twenty seven thousand dollars loan and ten thousand. 464 00:24:35.079 --> 00:24:39.319 Dollars out of pocket. That's the net thirty seven thousand 465 00:24:39.440 --> 00:24:44.279 dollars right now in debt thirty seven thousand, and has 466 00:24:44.359 --> 00:24:48.000 his old paid off car that was paid off back. 467 00:24:48.480 --> 00:24:50.319 And in addition to. 468 00:24:50.440 --> 00:24:53.759 The thirty seven thousand in debt, he's got a four 469 00:24:53.880 --> 00:24:56.920 thousand dollars extended warranty on the car he traded in. 470 00:24:57.559 --> 00:25:00.359 Now, these people are evil. I don't care what you say. 471 00:25:00.799 --> 00:25:02.079 This is evil. 472 00:25:02.160 --> 00:25:05.039 There's no other way. I'm not gonna pussy foot around 473 00:25:05.359 --> 00:25:08.519 at seventy one years old. I don't give a damn 474 00:25:08.640 --> 00:25:11.960 if they come after me. I would love to explain 475 00:25:12.079 --> 00:25:16.160 to a jury why I call them evil and why 476 00:25:16.319 --> 00:25:18.240 I believe they are disgusting. 477 00:25:18.640 --> 00:25:22.480 They are pieces of garbage, and I'm proud to say it. 478 00:25:22.880 --> 00:25:27.960 Tom Martino is proud to say Fill Long Phil Long's 479 00:25:28.240 --> 00:25:34.079 Mercedes Benz of Colorado Springs, they are evil. Whoever perpetrated 480 00:25:34.160 --> 00:25:37.200 the deal is evil, and they should undo the deal, 481 00:25:37.559 --> 00:25:40.559 or at least if you want to penalize them, and 482 00:25:40.720 --> 00:25:43.920 you want something for the salesperson and for your time 483 00:25:44.240 --> 00:25:47.240 and for doc prep take a few grand But for 484 00:25:47.440 --> 00:25:51.079 this man to go through this at this stage of 485 00:25:51.279 --> 00:25:57.680 his end of life, who in the world, who anyone 486 00:25:58.039 --> 00:26:01.440 would say this is okay? And that man, that general 487 00:26:01.519 --> 00:26:04.480 manager is hiding in his office right now. Don't let 488 00:26:04.559 --> 00:26:08.039 him have a moment of peace. Do not let them 489 00:26:08.160 --> 00:26:12.640 have a moment of peace. You tell them what you 490 00:26:12.880 --> 00:26:13.519 think of them. 491 00:26:15.559 --> 00:26:18.640 I have never felt more strongly in my life about 492 00:26:18.680 --> 00:26:25.599 a case. And it's not because it's because it's wrong. 493 00:26:27.440 --> 00:26:31.319 The number for the Colorado Springs and if anyone could 494 00:26:31.559 --> 00:26:33.880 ever walk in the doors of that place to buy 495 00:26:33.960 --> 00:26:38.720 a car, Mercedes Benz of Colorado Springs seven to nine 496 00:26:39.759 --> 00:26:42.119 sixty thirty nine twenty. 497 00:26:41.839 --> 00:26:47.079 Two sixty eight. They saw him coming. They took advantage 498 00:26:47.519 --> 00:26:48.599 of a dying man. 499 00:26:52.079 --> 00:26:53.079 That's what my niece said. 500 00:26:57.519 --> 00:27:00.759 Go with a sure thing. Denver's Best Ruffer sell roofing 501 00:27:00.880 --> 00:27:03.480 dot com. You don't pay a cent until you're content. 502 00:27:06.880 --> 00:27:10.039 Time for an insurance checkup free, no obligation. In comparison, 503 00:27:10.200 --> 00:27:13.720 call Compass Insurance paying too much your coverage at dozens 504 00:27:13.759 --> 00:27:14.759 of insurance companies. 505 00:27:14.880 --> 00:27:16.880 Find out now three all three seven to seven to 506 00:27:16.920 --> 00:27:17.440 one help. 507 00:27:17.599 --> 00:27:20.240 You'll think you're his only customer when you choose Frank 508 00:27:20.319 --> 00:27:22.720 durand the real estate man dot com to list your 509 00:27:22.799 --> 00:27:25.920 home with Remax Alliance three all three nine two zero 510 00:27:26.039 --> 00:27:27.000 sixteen twenty two. 511 00:27:32.519 --> 00:27:34.559 I'm Tom Martino, your troubleshooter. 512 00:27:36.400 --> 00:27:39.079 If you're just tuning in this, we have had the 513 00:27:39.160 --> 00:27:43.839 most unconscionable case and people, I'm telling you, in all 514 00:27:43.920 --> 00:27:45.319 of my cases, this one. 515 00:27:46.400 --> 00:27:49.079 Just touches me. But it's one of the worst we've 516 00:27:49.119 --> 00:27:52.480 had in a very very very very very long time. 517 00:27:52.519 --> 00:27:55.599 I can't because I'm sitting across the table from this gentleman. 518 00:27:56.079 --> 00:27:58.400 I can't remember anything worse. 519 00:27:58.480 --> 00:28:02.200 I can't. I honestly, guy can't. This is a man 520 00:28:02.279 --> 00:28:04.400 on chemotherapy. He can hardly speak. 521 00:28:05.000 --> 00:28:09.119 He wanted to take one last trip to California, and 522 00:28:09.160 --> 00:28:12.839 he wanted to have a beautiful Mercedes. So he went 523 00:28:12.920 --> 00:28:17.720 into Phil Long's Mercedes Benz of Colorado Springs. 524 00:28:18.519 --> 00:28:22.720 Now listen when you hear the details. And he had 525 00:28:22.759 --> 00:28:25.160 a car. He had a car. 526 00:28:26.839 --> 00:28:32.079 That was free and clear, a free and clear avalon 527 00:28:32.519 --> 00:28:37.880 a twenty twenty Toyota Avalon, probably worth about forty year 528 00:28:37.920 --> 00:28:41.240 in but even less than that of you who cares. 529 00:28:41.880 --> 00:28:43.160 He took that car. 530 00:28:44.680 --> 00:28:47.920 Plus five thousand dollars plus walked away with a thirty 531 00:28:48.000 --> 00:28:52.519 nine thousand dollars loan, so he paid nearly seventy thousand 532 00:28:52.599 --> 00:28:58.720 dollars for this Mercedes. On top of that, he changed 533 00:28:58.759 --> 00:29:01.799 his mind never went to California. He was feeling guilty 534 00:29:01.880 --> 00:29:05.640 and silly about it. When he went back to them, 535 00:29:06.119 --> 00:29:10.839 they said, sure, will will sell you your car back 536 00:29:10.920 --> 00:29:12.160 and take this one in trade. 537 00:29:13.960 --> 00:29:16.680 So they took the Mercedes back. 538 00:29:18.319 --> 00:29:22.400 The net result is he got his car back, but 539 00:29:22.519 --> 00:29:26.920 he had to put another forty seven hundred down and 540 00:29:27.119 --> 00:29:29.680 walk away with a twenty seven thousand dollars loan on 541 00:29:29.839 --> 00:29:30.240 his car. 542 00:29:31.359 --> 00:29:33.839 So the net net of all of this, if you 543 00:29:34.000 --> 00:29:39.000 just look at the raw numbers, for about forty thousand dollars, 544 00:29:40.279 --> 00:29:45.039 he used a Mercedes for a few weeks. They got 545 00:29:45.240 --> 00:29:47.799 forty thousand dollars from this man. Now think about it. 546 00:29:48.480 --> 00:29:53.359 If he drove that twenty eighteen Mercedes for a few weeks, 547 00:29:54.279 --> 00:29:58.559 he didn't go to California, is it worth dinging this man. 548 00:30:01.480 --> 00:30:04.359 Thousand dollars and it wasn't new, and I'm looking at 549 00:30:04.400 --> 00:30:07.279 the total price here, so he bought his own car 550 00:30:07.480 --> 00:30:11.759 back for a total sales price of thirty seven four thirteen. 551 00:30:12.160 --> 00:30:14.559 But if I recall, he was also nine grand out 552 00:30:14.599 --> 00:30:17.359 of pocket or almost ten. So really, no matter how 553 00:30:17.400 --> 00:30:21.039 you look at it, he's forty seven thousand dollars worse 554 00:30:21.119 --> 00:30:23.559 off than when he ever met these That's the. 555 00:30:23.599 --> 00:30:24.160 Point I'm making. 556 00:30:24.400 --> 00:30:26.519 That's the point I'm making, And I want to give 557 00:30:26.599 --> 00:30:29.759 the number out for Colorado Smith because these people refuse 558 00:30:29.880 --> 00:30:31.200 to talk to us by the way they could have 559 00:30:31.240 --> 00:30:34.759 given their side. They refused to talk to his attorney, Rena, 560 00:30:34.920 --> 00:30:38.440 who brought this to us. They refuse to talk about it, 561 00:30:38.720 --> 00:30:42.079 and they even hang up on us. And when consumers 562 00:30:42.160 --> 00:30:45.720 called to say I just heard about this deal, they're 563 00:30:45.839 --> 00:30:51.079 rude and obnoxious. So not the consumers. Now, I'm urging 564 00:30:51.160 --> 00:30:54.319 you to call them to let them know this will 565 00:30:54.359 --> 00:30:58.319 not go away. I swear to God, if every single 566 00:30:58.400 --> 00:30:59.960 day of my show for the rest of my life 567 00:31:00.160 --> 00:31:05.079 life I highlight this deal, I will do it. Seven 568 00:31:05.160 --> 00:31:10.319 one nine sixty three nine twenty two sixty eight is 569 00:31:10.480 --> 00:31:14.000 phill Long's Mercedes Benz of Colorado Springs, the only thing 570 00:31:14.319 --> 00:31:15.240 that I will accept. 571 00:31:15.759 --> 00:31:17.720 I don't care what anyone says. And you know what, 572 00:31:17.839 --> 00:31:21.039 phil On, you know what, come after me if you want, 573 00:31:21.279 --> 00:31:25.039 because I would love the discovery on this one. I 574 00:31:25.160 --> 00:31:28.680 would love it, and I would love it if a 575 00:31:28.880 --> 00:31:31.759 jury heard it, and I would love to bring that 576 00:31:31.920 --> 00:31:37.640 man to court with me. Now here's the bottom line. Okay, 577 00:31:38.200 --> 00:31:40.559 he bought the car and he used it ding him 578 00:31:40.599 --> 00:31:44.839 for the mileage and for the slight depreciation. But would 579 00:31:44.880 --> 00:31:45.960 it be fifty grand? 580 00:31:48.599 --> 00:31:49.160 What would it be? 581 00:31:50.240 --> 00:31:52.480 Come on, five hundred bucks total? 582 00:31:53.000 --> 00:31:53.160 Well? 583 00:31:53.359 --> 00:31:56.920 Whatever? Use a have a heart for God's sakes, is 584 00:31:57.240 --> 00:32:03.799 everything about the dollar? Bill Long's Mercedes Benz of Colorado Springs. Now, 585 00:32:04.160 --> 00:32:06.440 if you're not listen, if you're listening, but you have 586 00:32:06.519 --> 00:32:08.359 friends not listening, I want you to explain the deal 587 00:32:08.400 --> 00:32:10.079 to them, because I'm going to lay this out throughout 588 00:32:10.119 --> 00:32:13.880 the whole show. The number seven one, nine sixty three 589 00:32:14.039 --> 00:32:17.319 nine twenty two sixty eight. Did you see the person? 590 00:32:17.519 --> 00:32:20.279 Did you see the GM's number down there, or I'm 591 00:32:20.279 --> 00:32:22.440 sorry his name I put it in call screen or 592 00:32:22.480 --> 00:32:26.799 he also owns apparently twenty percent of that dealership. Bill 593 00:32:27.200 --> 00:32:33.359 Stanton Stanton, Okay, Bill Stanton is the GM. 594 00:32:35.039 --> 00:32:35.720 He's the gym. 595 00:32:37.000 --> 00:32:39.960 Is Chimino part of this because isn't that Phil Long's guy? 596 00:32:40.200 --> 00:32:43.319 Isn't that who owns it? We we have to do 597 00:32:43.519 --> 00:32:46.799 a deep dive. Somebody's got one of our deputies. We 598 00:32:46.880 --> 00:32:49.400 have to do a deep dive on this particular dealership. 599 00:32:49.680 --> 00:32:51.480 Did you do that, Raina? Do you know who owns 600 00:32:51.519 --> 00:32:53.440 it other than Phil Long? I mean, who's who is 601 00:32:53.480 --> 00:32:56.680 Phil Long? Right now? I'm sorry? I do know? 602 00:32:57.079 --> 00:32:58.880 Yeah, So it's Phil Long. I believe it's like Phil 603 00:32:58.920 --> 00:32:59.559 Long LLC. 604 00:33:00.279 --> 00:33:04.319 And they do business as Mercedes Benz Colorado Springs and 605 00:33:04.480 --> 00:33:06.839 twenty five percent of that ownership is the GM. 606 00:33:07.079 --> 00:33:10.240 So that's William Stanton or Bill. On the website, it's. 607 00:33:10.200 --> 00:33:10.759 Bill s. 608 00:33:17.039 --> 00:33:20.319 Go with a sure Thing Denver's Best Roofer Excel Roofing 609 00:33:20.400 --> 00:33:23.039 dot com. You don't pay a cent until you're content. 610 00:33:26.440 --> 00:33:29.960 Time for an insurance checkup free no obligation comparison call 611 00:33:30.079 --> 00:33:33.359 Compass Insurance paying too much your coverage at dozens of 612 00:33:33.440 --> 00:33:36.119 insurance companies find out now three all three seven to 613 00:33:36.160 --> 00:33:38.960 seven to one help. You'll think you're his only customer 614 00:33:39.000 --> 00:33:41.200 when you choose Frank durand the real estate Man dot 615 00:33:41.279 --> 00:33:44.599 com to list your home with Remax Alliance three all 616 00:33:44.640 --> 00:33:46.559 three nine two zero sixteen twenty two. 617 00:33:51.359 --> 00:33:53.839 Hi Tom Martino, your troubleshooter. 618 00:33:54.039 --> 00:34:00.960 So by my calculations, this guy bought the car, the 619 00:34:01.519 --> 00:34:05.759 two eighteen S five point fifty for about sixty nine 620 00:34:05.880 --> 00:34:10.519 thousand dollars. Because his car was worth about twenty five. 621 00:34:10.599 --> 00:34:12.679 He put five down, had a loan of thirty nine. 622 00:34:13.400 --> 00:34:18.440 When he changed his mind and went back, he basically 623 00:34:18.599 --> 00:34:21.760 had the same loan I believe, or thirty seven whatever, 624 00:34:22.079 --> 00:34:25.159 but he had the same loan a little less. He's 625 00:34:25.239 --> 00:34:30.199 out of pocket about forty seven thousand dollars forty seven 626 00:34:30.320 --> 00:34:33.440 thousand dollars for putting a few miles on that Mercedes 627 00:34:33.920 --> 00:34:36.480 thanks to Mercedes Benz of Colorado Springs. 628 00:34:36.639 --> 00:34:38.320 We're going to talk to Kelly and see what they. 629 00:34:38.320 --> 00:34:41.119 Said to her. We're going to keep the pressure up. 630 00:34:41.199 --> 00:34:43.880 That's what this show does, folks, and I am proud 631 00:34:44.519 --> 00:34:48.800 of it. Go with a sure thing Denver's best Rufer 632 00:34:48.960 --> 00:34:51.840 excel roofing dot com. You don't pay a cent until 633 00:34:51.880 --> 00:34:58.320 you're contenth time for an insurance checkup free no obligation. 634 00:34:58.400 --> 00:35:02.199 In comparison, call Compass insurance paying too much your coverage 635 00:35:02.239 --> 00:35:04.880 at dozens of insurance companies find out now three oh 636 00:35:04.960 --> 00:35:07.400 three seven seven to one help. You'll think you're his 637 00:35:07.599 --> 00:35:10.159 only customer when you choose Frank durand the real estate 638 00:35:10.239 --> 00:35:13.480 man dot com to list your home with Remax Alliance 639 00:35:13.760 --> 00:35:16.000 three oh three nine two zero sixteen twenty two. 640 00:35:16.840 --> 00:35:21.880 Yeah, Rip. 641 00:35:23.840 --> 00:35:26.840 New need advice, So you don't have. 642 00:35:29.119 --> 00:35:31.480 Come running sus fast as we can. 643 00:35:32.400 --> 00:35:34.079 Shooter's gonna help. 644 00:35:34.360 --> 00:35:37.079 Come, man, this is. 645 00:35:37.119 --> 00:35:38.400 The Troubleshooter Show. 646 00:35:39.039 --> 00:35:44.800 Now, Tom Martino, Hi, Tom Martino here, Welcome to the show. 647 00:35:44.960 --> 00:35:47.039 Three oh three seven one three talk. 648 00:35:46.920 --> 00:35:48.519 Seven one three eight, two five five, or as you 649 00:35:48.559 --> 00:35:51.639 can see right there, three oh three Martino three oh 650 00:35:51.760 --> 00:35:54.360 three six two seven eight four six six. So I'm 651 00:35:54.360 --> 00:35:56.559 gonna go to a few calls and come back if 652 00:35:56.599 --> 00:35:58.639 we still have those other calls, I feel sorry. 653 00:35:59.360 --> 00:35:59.639 Okay. 654 00:36:00.360 --> 00:36:03.239 Kelly, by the way, talked to it Mercedes Benz of 655 00:36:03.280 --> 00:36:06.840 Colorado Springs a guy, Kelly, and we asked him to 656 00:36:07.480 --> 00:36:10.400 We asked people to call. We'll recap that problem. You're 657 00:36:10.400 --> 00:36:12.280 gonna want to hear it. I swear to God, you're 658 00:36:12.320 --> 00:36:13.960 going to want to hear it. Of all of my 659 00:36:14.119 --> 00:36:16.599 years of doing this, this is one of two of 660 00:36:16.679 --> 00:36:19.000 the worst card deals we have ever seen in our lives, 661 00:36:19.199 --> 00:36:23.000 ever ever in our lives, and probably in the top 662 00:36:23.119 --> 00:36:27.599 five ripoffs in our opinions. Kelly, what did Mercedes Ben 663 00:36:27.719 --> 00:36:28.079 say to you? 664 00:36:30.000 --> 00:36:33.119 Well, I called him about twenty minutes ago and I 665 00:36:33.239 --> 00:36:37.320 got through to the operator and I said, hey, you 666 00:36:37.400 --> 00:36:39.880 know Tom Martinez was kind of dinging you guys on 667 00:36:39.960 --> 00:36:44.719 the radio. And she said, it's all lies. Everything that 668 00:36:44.760 --> 00:36:45.880 they're saying is a lie. 669 00:36:47.039 --> 00:36:50.039 I said, well, you know, rain Raina, can you believe 670 00:36:50.079 --> 00:36:51.519 they're saying it's an absolute lie? 671 00:36:51.840 --> 00:36:54.400 I cannot believe that. I cannot believe that because I 672 00:36:54.440 --> 00:36:56.920 have the paperwork right here. I have the paperwork that 673 00:36:57.000 --> 00:36:58.559 actually shows none of this is a lie. 674 00:36:58.760 --> 00:37:01.360 Listen, this is not a presidential campaign. We actually have 675 00:37:01.480 --> 00:37:05.599 stuff here. We're not just calling names. My god, right, 676 00:37:05.760 --> 00:37:07.679 So he go ahead. 677 00:37:07.480 --> 00:37:08.480 Or she wanted me to to. 678 00:37:08.920 --> 00:37:10.960 She wanted me to talk to a guy named Tyler, 679 00:37:11.760 --> 00:37:13.480 but you know, I wasn't going to talk to him 680 00:37:13.519 --> 00:37:15.760 unless I had paperwork in front of me. 681 00:37:16.440 --> 00:37:19.039 So yeah, I'm gonna I'm gonna give that to you. 682 00:37:19.800 --> 00:37:22.880 I'm gonna give all that to you. I'm gonna put 683 00:37:22.880 --> 00:37:26.320 it up on YouTube. You take a screenshot. I am 684 00:37:26.400 --> 00:37:28.800 I'm gonna put it up full screen on on YouTube. 685 00:37:28.840 --> 00:37:31.920 I'm gonna put the deal up, so thank you, Jim. 686 00:37:32.039 --> 00:37:34.159 What did they say to you? Jim called as well, 687 00:37:34.920 --> 00:37:38.039 and what did they say to you? Jim? I called, 688 00:37:38.079 --> 00:37:41.639 and I went and went to sales, and Nathan picked up, 689 00:37:42.239 --> 00:37:46.440 and Nathan immediately told me, don't believe everything. 690 00:37:46.199 --> 00:37:49.920 You hear on a talk radio program and then hung 691 00:37:50.039 --> 00:37:50.360 up on me. 692 00:37:50.559 --> 00:37:50.880 That was it. 693 00:37:51.119 --> 00:37:53.400 Yeah, well, aren't they gonna look stupid? 694 00:37:55.039 --> 00:37:58.239 Yeah, you know, then tell us the other side of 695 00:37:58.280 --> 00:37:59.280 the story. Come on the show. 696 00:37:59.440 --> 00:38:03.280 We could possibly be the other side of the story. Yeah, 697 00:38:03.519 --> 00:38:07.800 he bought his vehicle back that he owe nothing on 698 00:38:08.400 --> 00:38:11.159 and now own owes over thirty thousand dollars on it. 699 00:38:11.400 --> 00:38:12.840 Just an armfuleek transaction. 700 00:38:13.559 --> 00:38:17.679 And how it happens, and who the victim is I 701 00:38:17.880 --> 00:38:20.039 want to know. Tell them we want to hear the 702 00:38:20.119 --> 00:38:22.880 other side. Tell them to call us. We want to 703 00:38:22.920 --> 00:38:23.199 hear it. 704 00:38:24.079 --> 00:38:26.880 I'm putting this up, folks. I'm putting this up soon 705 00:38:27.719 --> 00:38:29.840 for you to see on YouTube. 706 00:38:29.880 --> 00:38:32.000 I have a whole I have a whole thing here. 707 00:38:32.440 --> 00:38:34.519 I'm preparing. We're going to get all the. 708 00:38:34.559 --> 00:38:37.039 Paperwork to you in the form of a PDF at 709 00:38:37.119 --> 00:38:38.360 some point today as well. 710 00:38:38.639 --> 00:38:41.360 Well, yeah, no, no, we will. But I want to 711 00:38:41.440 --> 00:38:44.559 do this mark right now. I swear to you because 712 00:38:44.679 --> 00:38:47.599 this lays it out, This lays it out. 713 00:38:47.480 --> 00:38:50.440 For everyone to see. Now, I'm and this is a deal. 714 00:38:50.840 --> 00:38:55.559 A dying man, by the way, a dying man on 715 00:38:55.920 --> 00:39:03.840 on chemotherapy. And he doesn't even okay, does does anyone? 716 00:39:04.360 --> 00:39:10.000 Does anyone believe that man has this full capacity? And 717 00:39:10.079 --> 00:39:12.960 I'm not insulting him. He's right with us in the studio. 718 00:39:13.320 --> 00:39:14.280 How old are you, sir? 719 00:39:15.480 --> 00:39:18.239 Tell you how long we're getting him on? 720 00:39:20.480 --> 00:39:20.880 Yesterday? 721 00:39:21.679 --> 00:39:22.280 Seventy five? 722 00:39:22.440 --> 00:39:26.360 Yesterday, seventy five years old? Yesterday? 723 00:39:27.320 --> 00:39:27.760 Pretty good? 724 00:39:29.519 --> 00:39:32.239 Yeah, other than cancer? Right now? Are you going to 725 00:39:32.280 --> 00:39:36.519 beat this cancer? I mean seriously? Yeah, don't give up? Yeah? 726 00:39:36.599 --> 00:39:38.400 Yeah, how is it going? 727 00:39:38.519 --> 00:39:41.280 Long past when they told me I wouldn't be here? 728 00:39:41.400 --> 00:39:42.880 So good good. 729 00:39:43.000 --> 00:39:46.320 I wasn't supposed to make Thanksgiving last year, and I'm 730 00:39:46.360 --> 00:39:49.480 doing real good good nurses cure. But I turned this 731 00:39:49.599 --> 00:39:50.440 in over with the Lord. 732 00:39:51.800 --> 00:39:57.920 That's that's what you do. Okay, So let's turn. 733 00:39:59.719 --> 00:40:03.559 Yeah, everything everything we're gonna we're gonna look at We're 734 00:40:03.559 --> 00:40:06.239 not going to give up on this. They say everything's 735 00:40:06.239 --> 00:40:08.360 a lie. People, I want you to remember that when 736 00:40:08.440 --> 00:40:09.480 we find out the truth. 737 00:40:09.559 --> 00:40:12.280 Okay, I want you to remember that, when we find 738 00:40:12.320 --> 00:40:15.519 out the truth, I want you to remember what they said, 739 00:40:15.599 --> 00:40:18.360 that it was all a lie, because when we find out. 740 00:40:18.239 --> 00:40:20.880 The truth, that we're telling you the truth. Okay, I'm 741 00:40:20.880 --> 00:40:23.639 gonna how about this. I'm gonna stake my reputation on it. 742 00:40:23.719 --> 00:40:26.760 How's that? How's that go ahead? 743 00:40:26.800 --> 00:40:29.239 Certain? When I talked to him, I just I just 744 00:40:29.360 --> 00:40:32.679 want my title back, when my car back. And they said, well, 745 00:40:32.719 --> 00:40:35.840 there's fees. And I said, well, you got five grand, 746 00:40:36.320 --> 00:40:40.480 but they did give me forty I think cash. I 747 00:40:40.559 --> 00:40:41.639 don't remember the figures. 748 00:40:41.679 --> 00:40:45.920 Well, what do you mean cash? What what do you 749 00:40:46.000 --> 00:40:48.480 mean cash? What is he talking about? 750 00:40:49.360 --> 00:40:49.719 I don't know. 751 00:40:50.320 --> 00:40:53.920 Did I say forty gave him some cash? 752 00:40:54.079 --> 00:40:56.840 Well, they gave me a cash check for forty one ducks? 753 00:40:57.280 --> 00:41:01.400 When was this? Oh, and do you know about that? Raina? 754 00:41:01.480 --> 00:41:04.480 We should be we should include that in take away 755 00:41:04.519 --> 00:41:05.320 from his losses? 756 00:41:05.760 --> 00:41:06.960 Yeah, we should definitely include that. 757 00:41:07.320 --> 00:41:07.480 Was that? 758 00:41:07.599 --> 00:41:08.599 Well one of them? 759 00:41:08.639 --> 00:41:10.719 When did they give When did they When did they 760 00:41:10.800 --> 00:41:12.400 give that? Yeah? When did they give that to you? 761 00:41:12.559 --> 00:41:14.719 I called and asked what it's for? It was probably 762 00:41:14.760 --> 00:41:20.679 about two or three months ago. I suppose so as. 763 00:41:20.880 --> 00:41:23.559 You randomly got this check from them for how much 764 00:41:23.639 --> 00:41:25.480 I want to subtract it from your loss. 765 00:41:25.599 --> 00:41:28.400 The best memory I have is forty one hundred and something. 766 00:41:28.719 --> 00:41:31.159 It was probably some of those service contracts that he 767 00:41:31.239 --> 00:41:32.400 sold them on the Mercedes. 768 00:41:32.480 --> 00:41:36.119 Yeah, I mean it kind of auto cancels itself when 769 00:41:36.159 --> 00:41:39.440 they take it back into inventory and he stops having 770 00:41:39.440 --> 00:41:40.519 an ownership. 771 00:41:40.119 --> 00:41:40.719 Interest in it. 772 00:41:40.880 --> 00:41:43.679 Right, So most of the service contracts say that you 773 00:41:43.840 --> 00:41:47.440 have to actually cancel it, so affirmatively cancel it with 774 00:41:47.639 --> 00:41:50.760 the service contract company in order to get any sort 775 00:41:50.800 --> 00:41:53.639 of proration back, and if you don't, then you lose. 776 00:41:54.199 --> 00:41:56.960 Was it but was this back? So but if he 777 00:41:57.119 --> 00:42:01.119 had a net back, they sent him a check back, 778 00:42:01.320 --> 00:42:03.679 so he we have to subtract that. 779 00:42:03.800 --> 00:42:05.960 If he if he literally got forty one, they were 780 00:42:05.960 --> 00:42:08.440 only screwed in by the tune of twenty nine thousand. 781 00:42:08.719 --> 00:42:13.039 Come on, that's kind of what I'm gonna Well, I'm 782 00:42:13.119 --> 00:42:14.519 going to still include it. 783 00:42:15.800 --> 00:42:20.119 Just one of my title back then, so complicated. I 784 00:42:20.239 --> 00:42:22.639 know it was a They told me to bring it 785 00:42:22.760 --> 00:42:24.320 back in if I didn't like it. I brought it 786 00:42:24.400 --> 00:42:27.599 back and they anyway, I. 787 00:42:27.679 --> 00:42:30.559 Messed up, and they sold you your vehicle back that 788 00:42:30.760 --> 00:42:31.320 was paid off. 789 00:42:32.199 --> 00:42:33.199 Good negotiator. 790 00:42:35.360 --> 00:42:38.679 What if your car had been gone, whostled out and gone, 791 00:42:38.960 --> 00:42:39.719 what would they have done? 792 00:42:39.760 --> 00:42:39.920 Then? 793 00:42:40.360 --> 00:42:42.599 Probably sell him a new BMW or something. 794 00:42:42.760 --> 00:42:50.400 Yeah, he sort of looked like a give that number out, Mark, give. 795 00:42:48.760 --> 00:42:51.840 That mark number up Mark. Yeah, it's simple, folks. In fact, 796 00:42:51.920 --> 00:42:54.639 when you call up, just ask for Bill Bill Stanton. 797 00:42:54.679 --> 00:42:58.440 Apparently he's locked in his office according to some other callers, 798 00:42:58.519 --> 00:43:02.119 but he's a GM. We understand he possibly owns twenty 799 00:43:02.199 --> 00:43:06.119 five percent of this business and everything about this is wrong. 800 00:43:06.280 --> 00:43:09.679 Be nice when you call up, but please help us out. 801 00:43:09.840 --> 00:43:13.840 This is a community approach. Seven one nine six three 802 00:43:14.000 --> 00:43:18.840 nine twenty two sixty eight. Seven one nine six three 803 00:43:19.000 --> 00:43:22.639 nine twenty two sixty eight. Please ask for Bill Spanton 804 00:43:23.000 --> 00:43:25.000 and we'd love for him to come on. We would 805 00:43:25.079 --> 00:43:25.679 love for him. 806 00:43:25.960 --> 00:43:27.239 I'd love to hear his side. 807 00:43:27.280 --> 00:43:30.199 I'd love to hear how this old man in front 808 00:43:30.239 --> 00:43:32.440 of me is lying quite frankly, I'd love to hear 809 00:43:32.480 --> 00:43:32.800 about it. 810 00:43:33.719 --> 00:43:36.719 Yeah, we're going to continue this, I mean because. 811 00:43:37.880 --> 00:43:41.159 I'll stand by it. I told him looks months ago, 812 00:43:41.440 --> 00:43:44.880 so I said, I just will let. 813 00:43:44.800 --> 00:43:48.280 Me see that again. Yeah, anyway, we have more. I 814 00:43:48.400 --> 00:43:50.320 want to start with this one here and then we're 815 00:43:50.360 --> 00:43:51.159 going to come back to it. 816 00:43:51.320 --> 00:43:55.639 So Pam, let's start with Pam, Pam uh and people, 817 00:43:55.760 --> 00:43:58.280 I will recap the whole phill long deal and give 818 00:43:58.360 --> 00:43:59.079 out that number. 819 00:43:59.320 --> 00:44:01.679 Pam, what's going going on with you? Pam? Hi? 820 00:44:01.840 --> 00:44:02.039 Tom? 821 00:44:02.119 --> 00:44:04.079 We go back. It a long way from Father John 822 00:44:04.119 --> 00:44:06.039 and Laurie. So you know how long I've been listening 823 00:44:06.119 --> 00:44:06.280 to you. 824 00:44:06.400 --> 00:44:09.679 But oh my god, thank you, Pam. What's going on? 825 00:44:09.840 --> 00:44:12.119 It's something so sweet from my son. Father John took 826 00:44:12.159 --> 00:44:13.079 him to a Bronco game. 827 00:44:13.199 --> 00:44:16.039 It was a long time ago. But anyways, here's what 828 00:44:16.119 --> 00:44:18.320 I need and I'm sorry for this, and I hope 829 00:44:18.360 --> 00:44:20.800 you can get it all settled for him. Say listen, 830 00:44:21.119 --> 00:44:22.760 but ten days ago, I was shopping. 831 00:44:22.480 --> 00:44:25.599 At King Supers and I did this stupid thing. I 832 00:44:26.039 --> 00:44:28.199 answered my phone and put my phone in my purse 833 00:44:28.239 --> 00:44:31.159 forgot to zip it up, had it in the child's seat, 834 00:44:31.480 --> 00:44:34.480 probably bent down to pick up some can goods, and 835 00:44:34.599 --> 00:44:37.000 somebody lifted my wallet out of my purse at King 836 00:44:37.079 --> 00:44:38.320 Supers here in Lakewood. 837 00:44:38.840 --> 00:44:40.360 Didn't know what was gone till. 838 00:44:40.239 --> 00:44:42.400 I got up to the front of the you know, 839 00:44:42.559 --> 00:44:45.559 Chechstan and where, well, where's my wallet? So I have 840 00:44:45.800 --> 00:44:49.320 a woman with me and we went out in the car. 841 00:44:49.480 --> 00:44:50.639 I was hoping it was in the car. 842 00:44:50.719 --> 00:44:51.039 It was not. 843 00:44:51.719 --> 00:44:54.559 Long story short, somebody lifted it out and probably within 844 00:44:54.639 --> 00:44:57.320 ten minutes of taking it out, charged over two thousand 845 00:44:57.360 --> 00:44:59.920 dollars worth a visa to one hundred dollars visa cards 846 00:45:00.039 --> 00:45:02.199 on it, plus plenty more plenty plenty right. 847 00:45:02.320 --> 00:45:05.480 Right right from that King Supers, Yes. 848 00:45:05.519 --> 00:45:07.119 Right from in the side of the store at the 849 00:45:07.199 --> 00:45:09.119 King Supers by the donut department. 850 00:45:09.519 --> 00:45:11.239 How much? How much did they charge? 851 00:45:12.119 --> 00:45:12.960 Well, they got it. 852 00:45:13.039 --> 00:45:16.199 They tried nine eleven times to use my card was in. 853 00:45:16.400 --> 00:45:18.880 Here's what I care about. How much did they actually charge? 854 00:45:19.599 --> 00:45:20.280 Two thousand? 855 00:45:20.440 --> 00:45:22.760 But what I what I want to say right away 856 00:45:22.840 --> 00:45:24.039 is West. 857 00:45:23.880 --> 00:45:26.960 Earrah was my debit card, and they've been very good. 858 00:45:26.800 --> 00:45:30.000 And I've gotten fifteen hundred dollars back from them. Old 859 00:45:30.119 --> 00:45:31.280 maybe is five. 860 00:45:31.199 --> 00:45:33.920 Hundred dollars waiting to hear, but I don't think so. 861 00:45:34.079 --> 00:45:35.880 But what I called you for is because I just 862 00:45:36.000 --> 00:45:39.320 give your advice. They have everything. They have my wallet, 863 00:45:39.440 --> 00:45:42.239 they have my drave advicens. They so I don't all that. 864 00:45:42.440 --> 00:45:45.079 I've gone to get a new one and what should 865 00:45:45.079 --> 00:45:47.639 I do? Shit? Was it your recommendation that I should 866 00:45:48.360 --> 00:45:52.159 find an identity fraud company so that I can monitor it. 867 00:45:53.079 --> 00:45:56.360 Well, the first thing you need to do, okay, And 868 00:45:56.719 --> 00:45:59.480 that's all they do is monitor. They don't protect. They monitor. 869 00:45:59.519 --> 00:46:02.519 I want to make that clear. The best protection, the 870 00:46:02.639 --> 00:46:03.440 best protection. 871 00:46:03.760 --> 00:46:10.239 First of all, you know, obviously you cancel all those accounts, okay, right, 872 00:46:10.440 --> 00:46:13.840 and then you have to do a credit freeze on 873 00:46:14.199 --> 00:46:18.079 all three credit bureaus. Now a credit once it's on 874 00:46:18.159 --> 00:46:22.039 the main ones, that's all accounts, a credit freeze. Now 875 00:46:22.199 --> 00:46:24.719 I have a credit freeze that I turn on and off. 876 00:46:24.840 --> 00:46:26.719 Now why do I turn it on and off? If 877 00:46:26.760 --> 00:46:30.280 I apply for a loan and they go to get credit, 878 00:46:30.800 --> 00:46:35.000 it'll come back no credit available, okay, So nothing will 879 00:46:35.079 --> 00:46:36.000 ever be approved. 880 00:46:36.400 --> 00:46:39.400 And they tell me you either have a freeze or 881 00:46:39.440 --> 00:46:41.119 you have no credit. So I have to go in 882 00:46:41.280 --> 00:46:44.199 with a pin number. You go online, and I can 883 00:46:44.280 --> 00:46:46.960 do that instantly. I can turn it on and turn 884 00:46:47.039 --> 00:46:50.119 it off. I can turn it on and predesignate when 885 00:46:50.159 --> 00:46:52.079 I want to turn it off. I can turn it. 886 00:46:52.719 --> 00:46:54.119 You can do it. You can. 887 00:46:54.800 --> 00:46:58.480 It's a wonderful application online, but you got to make 888 00:46:58.480 --> 00:46:59.440 sure you get the right one. 889 00:46:59.760 --> 00:47:05.400 And that's what you do you want me to do well, okay, okay, 890 00:47:05.519 --> 00:47:05.920 to tell you. 891 00:47:06.000 --> 00:47:10.519 That I use the actual credits, but I know how 892 00:47:10.559 --> 00:47:12.559 to read the URL to make sure I'm not getting 893 00:47:12.599 --> 00:47:15.480 a mirrored site. A mirrored site is one that looks 894 00:47:15.599 --> 00:47:17.360 like that, and what they do is when you put 895 00:47:17.400 --> 00:47:19.960 in a freeze, they take your information. So I want 896 00:47:20.039 --> 00:47:23.199 to just make sure that I'm trying to find this here, dear, 897 00:47:23.480 --> 00:47:25.599 I really want to find this so I can I 898 00:47:25.719 --> 00:47:26.920 can tell you the right thing. 899 00:47:27.039 --> 00:47:29.719 Credit ops. It's called I have it on my my 900 00:47:29.840 --> 00:47:30.599 thing here. Hold on. 901 00:47:31.039 --> 00:47:35.559 So for the credit freeze, you have to okay, you 902 00:47:35.800 --> 00:47:40.280 have to go for the credit freeze on each one. 903 00:47:40.599 --> 00:47:45.440 So you go to TransUnion and it's simply www dot 904 00:47:45.559 --> 00:47:47.079 TransUnion dot com. 905 00:47:47.559 --> 00:47:49.840 Okay, and then look for credit freeze. 906 00:47:50.480 --> 00:47:54.559 Then you go to then you go to equifacts and 907 00:47:54.719 --> 00:47:58.639 that's my equifacts dot com. 908 00:47:59.320 --> 00:48:05.280 My eq U I F A X dot com. Got it. 909 00:48:06.039 --> 00:48:14.280 The next one is USA dot Experience dot com. 910 00:48:15.199 --> 00:48:18.119 Now on each of these you're going to have to 911 00:48:18.360 --> 00:48:21.920 establish an online account, okay. 912 00:48:22.480 --> 00:48:25.599 And when you establish an online account, you can then 913 00:48:25.800 --> 00:48:28.599 drill down or search or figure out how to put 914 00:48:28.679 --> 00:48:29.320 on a freeze. 915 00:48:29.679 --> 00:48:34.559 The freeze will be assigned a pin number except for Equifax. Equifax, 916 00:48:34.599 --> 00:48:37.400 if you log onto your account because they do two 917 00:48:37.480 --> 00:48:41.239 party verification, they're going to let you freeze and unfreeze 918 00:48:41.280 --> 00:48:43.920 by simply logging on the other ones. Want to know 919 00:48:44.039 --> 00:48:44.840 your pin number? 920 00:48:45.760 --> 00:48:47.679 Okay and try it. 921 00:48:47.880 --> 00:48:49.360 Let me know what you find out. I got to 922 00:48:49.400 --> 00:48:52.119 take this break. I'm Tom Martine. Please hang on, Jack, 923 00:48:52.199 --> 00:48:53.880 I know you talked to that dealership. We're going to 924 00:48:53.920 --> 00:48:56.199 recap that deal and do more right after this on 925 00:48:56.280 --> 00:48:57.119 the Troubleshooter Show. 926 00:48:57.199 --> 00:48:57.840 Let me explain this. 927 00:48:57.920 --> 00:49:01.119 Frank drandreal estate Man dot com will do market valuations 928 00:49:01.199 --> 00:49:04.239 of your home for the asking, No long term contracts needed, 929 00:49:04.280 --> 00:49:06.280 no obligation. If you want to know what your house 930 00:49:06.360 --> 00:49:08.360 is going to sell for, he will do a complete 931 00:49:08.440 --> 00:49:09.920 analysis free of charge. 932 00:49:10.239 --> 00:49:13.199 Three oh three nine two zero sixteen twenty two. 933 00:49:18.320 --> 00:49:21.559 Go with a sure thing Denver's Best roofer Excel Roofing 934 00:49:21.679 --> 00:49:24.320 dot Com. You don't pay a cent until you're content 935 00:49:25.239 --> 00:49:30.119 than time for an insurance check up free, no obligation. 936 00:49:30.280 --> 00:49:34.159 Comparison call Compass Insurance paying too much your coverage at 937 00:49:34.199 --> 00:49:36.920 dozens of insurance companies find out now three oh three 938 00:49:37.079 --> 00:49:38.239 seven seven to one help. 939 00:49:38.440 --> 00:49:40.199 You'll think you're his only customer. 940 00:49:40.239 --> 00:49:42.440 When you choose Frank durand the real estate man dot 941 00:49:42.559 --> 00:49:45.840 Com to list your home with Remax Alliance three oh 942 00:49:45.880 --> 00:49:52.599 three nine two zero sixteen twenty two. Hi Tom Martino 943 00:49:52.679 --> 00:49:56.679 here three O three seven one three talks seven one 944 00:49:56.800 --> 00:49:58.400 three eight two five five. 945 00:49:58.519 --> 00:49:59.800 Did they leave the studio? 946 00:49:59.840 --> 00:50:00.320 F good? 947 00:50:00.400 --> 00:50:01.320 Or are they coming back? 948 00:50:01.480 --> 00:50:01.559 Oh? 949 00:50:01.599 --> 00:50:05.000 They're going to come back. He had to use the restaurants. Okay. 950 00:50:05.760 --> 00:50:08.079 Anyway, I'm going to put up a doc I want 951 00:50:08.199 --> 00:50:11.039 to recap this story, and I want to tell my 952 00:50:11.159 --> 00:50:11.960 call o John. 953 00:50:12.079 --> 00:50:15.239 Literally he just went through both sales contracts, so if 954 00:50:15.280 --> 00:50:17.000 you have any questions. 955 00:50:17.079 --> 00:50:18.440 Literally he's staring at him. 956 00:50:18.639 --> 00:50:21.760 I want to call it Jack talk to Mercedes of 957 00:50:21.920 --> 00:50:24.599 Colorado Springs, and I want. 958 00:50:24.519 --> 00:50:25.960 You what did they say? Jack? 959 00:50:29.760 --> 00:50:30.599 We just lost him. 960 00:50:30.639 --> 00:50:30.920 Sorry. 961 00:50:32.159 --> 00:50:35.440 All right, I'm going to recap the deal and then 962 00:50:35.480 --> 00:50:37.280 I'm going to put it up. While i'm recapping it, 963 00:50:37.679 --> 00:50:40.559 I actually found all kinds of cool stuff I can 964 00:50:40.599 --> 00:50:43.320 do with this program. So all right, It's up on 965 00:50:43.440 --> 00:50:49.480 YouTube right now and it's full screen and I'm going 966 00:50:49.559 --> 00:50:50.840 to be reading from it here. 967 00:50:50.920 --> 00:50:55.960 It is a dying man on Chemotherapy wanted to buy 968 00:50:56.480 --> 00:50:58.320 and by the way, let me let me explain this. 969 00:50:58.920 --> 00:51:02.920 I want people to hear this because Phil Long said, 970 00:51:02.960 --> 00:51:06.199 this is all a lie. Phil Long, Mercedes Benz, whenther 971 00:51:06.239 --> 00:51:07.800 you call, they say it's all a lie. 972 00:51:07.920 --> 00:51:11.000 Do not believe it? Okay? So I want everyone to 973 00:51:11.119 --> 00:51:13.840 know that's what they're saying. It is a lie and 974 00:51:14.000 --> 00:51:17.960 it did not happen, or it did not happen this way, 975 00:51:18.679 --> 00:51:19.960 or something is a lie. 976 00:51:20.599 --> 00:51:21.800 Hey, Tom, Hey, Tom. 977 00:51:22.159 --> 00:51:25.199 So I did briefly speak with Jack, who was going 978 00:51:25.280 --> 00:51:25.920 to tell you that. 979 00:51:26.159 --> 00:51:26.519 Right now. 980 00:51:26.599 --> 00:51:29.840 They're in an emergency meeting going over this. 981 00:51:30.199 --> 00:51:33.960 Keith, Now, let me just say what this is right now? Okay. 982 00:51:34.079 --> 00:51:39.119 So, a dying man on chemotherapy literally can hardly speak, 983 00:51:39.559 --> 00:51:45.679 seventy five years old wanted to buy a Mercedes Benz 984 00:51:45.719 --> 00:51:48.119 to take a dream trip to California. 985 00:51:47.599 --> 00:51:50.719 To see the ocean what could be his last time. 986 00:51:52.000 --> 00:51:55.639 He went to Colorado Springs Mercedes Benz owned by Phil 987 00:51:55.719 --> 00:51:58.280 Long and this other clown what's his name? 988 00:51:58.360 --> 00:51:58.559 Mark? 989 00:52:00.000 --> 00:52:06.760 Are you talking the GM? Bill Stanton? Bill William okay, 990 00:52:07.440 --> 00:52:12.400 William Stanton and bought a two eighteen twenty eighteen s 991 00:52:12.519 --> 00:52:14.159 five point fifty. Here's what he did. 992 00:52:14.719 --> 00:52:17.360 He traded in a free and clear twenty twenty Toyota 993 00:52:17.480 --> 00:52:22.760 avalon the value twenty five thousand dollars, paid five thousand 994 00:52:22.840 --> 00:52:26.039 dollars down, and walked away with a thirty nine thousand 995 00:52:26.079 --> 00:52:30.800 dollars loan. A grand total for that car, that Mercedes 996 00:52:31.360 --> 00:52:33.039 sixty nine thousand dollars. 997 00:52:33.360 --> 00:52:38.159 Now, let me explain something. I am not even saying 998 00:52:38.960 --> 00:52:44.519 that selling a car for sixty nine grand is unconscionable. 999 00:52:44.599 --> 00:52:47.400 That car, it is a little overpriced. But you know 1000 00:52:47.480 --> 00:52:50.840 what I'm gonna say this, That's not what I'm upset about. Okay. 1001 00:52:51.559 --> 00:52:54.760 So his net was sixty nine grand on that car. 1002 00:52:55.039 --> 00:53:01.280 Sixty two now sixty two? Okay, tell me how, because 1003 00:53:01.519 --> 00:53:04.800 I'm taking these figures six times, but I want to know. 1004 00:53:05.400 --> 00:53:07.679 Here's he's got the contracted I want to know. I 1005 00:53:07.760 --> 00:53:09.639 want to know because I want to be very accurate, 1006 00:53:09.679 --> 00:53:10.679 and I'm going to amend. 1007 00:53:10.480 --> 00:53:11.639 This as we go. So tell me. 1008 00:53:12.199 --> 00:53:16.800 Okay, So sales tax titled the dealer delivery handled the 1009 00:53:16.880 --> 00:53:20.079 whole nine yards on that car was thirty thousand, five 1010 00:53:20.159 --> 00:53:23.920 hundred and sixty four dollars, okay, or I'm sorry, not 1011 00:53:26.480 --> 00:53:29.480 fifty thousand, five hundred and sixty four dollars and eighty nine. 1012 00:53:30.400 --> 00:53:31.960 John, I don't want to do math on the air. 1013 00:53:32.000 --> 00:53:33.840 Here's what I want to know. I want to know this. 1014 00:53:34.280 --> 00:53:37.119 I want to know this. Did he put five thousand down? 1015 00:53:37.199 --> 00:53:40.039 Yeah? Yeah, yeah, yeah, So I'm telling us just fifty grand, Tom. 1016 00:53:40.159 --> 00:53:44.159 And then was his loan thirty nine thousand, yes, okay, 1017 00:53:44.280 --> 00:53:47.719 so that that equals right there forty four. Now did 1018 00:53:47.760 --> 00:53:51.480 he have a value of approximately twenty five on him? 1019 00:53:51.800 --> 00:53:53.679 Yeah? No, he had a twenty thousand dollars trade in 1020 00:53:53.760 --> 00:53:56.039 a five grand of cash, so a net of twenty 1021 00:53:56.119 --> 00:53:57.599 five thousand to his side. 1022 00:53:57.440 --> 00:53:59.679 Of the Okay, So that's where I'm out five because 1023 00:53:59.760 --> 00:54:02.360 they've but because they granted him twenty doesn't mean his 1024 00:54:02.440 --> 00:54:03.599 car was worth twenty. 1025 00:54:03.480 --> 00:54:06.000 Well, no, that's not necessarily the ATV, but that was 1026 00:54:06.079 --> 00:54:08.440 the book value of the case in the deal. So 1027 00:54:08.599 --> 00:54:10.719 he came out here with twenty five on his side 1028 00:54:10.719 --> 00:54:13.400 of the equation. But on top of all that, they 1029 00:54:13.519 --> 00:54:18.159 plus thirty nine thirteen thousand dollars worth of maintenance and 1030 00:54:18.719 --> 00:54:22.400 extended service contract. Okay, So that's how you get to 1031 00:54:22.480 --> 00:54:26.239 a grand wopping some total of thirty nine thousand dollars 1032 00:54:26.360 --> 00:54:30.440 of debt plus his car at twenty plus his five 1033 00:54:30.519 --> 00:54:31.800 thousand dollars in cash. 1034 00:54:32.000 --> 00:54:33.880 Thank you. That's what I needed to know. Yep. So 1035 00:54:34.280 --> 00:54:37.920 so if you add up the five in cash plus. 1036 00:54:37.800 --> 00:54:42.840 The thirty nine thousand dollars debt plus plus twenty twenty, okay, 1037 00:54:42.920 --> 00:54:44.719 I was off. You're right, and that's what I want 1038 00:54:44.760 --> 00:54:46.519 to do. I want to be very so instead of 1039 00:54:46.559 --> 00:54:48.920 sixty nine, thank you, sixty four. Now let's move on. 1040 00:54:49.480 --> 00:54:52.599 So now he changed his mind, did not go to 1041 00:54:52.719 --> 00:54:55.400 California and wanted his car back. 1042 00:54:55.519 --> 00:54:57.760 Well, oh, well, there's a caveat to that. It wasn't 1043 00:54:57.800 --> 00:55:00.840 necessarily that more than it was. He got his first 1044 00:55:01.159 --> 00:55:04.079 what do they call it, to voucher for payment. I'm 1045 00:55:04.159 --> 00:55:07.480 talking to his attorney, and he realized how much he 1046 00:55:07.679 --> 00:55:09.800 was going to have to spend each month and there 1047 00:55:09.920 --> 00:55:11.599 was no way he could crack his nut. 1048 00:55:11.719 --> 00:55:13.400 Am I correct in saying this? Okay? 1049 00:55:13.840 --> 00:55:19.039 Okay, he changed his mind, did not go to California 1050 00:55:19.239 --> 00:55:20.440 and wanted his car back. 1051 00:55:20.519 --> 00:55:23.159 Yep. I think that's a correct statement. It is correct, Okay. 1052 00:55:23.480 --> 00:55:26.280 I'm trying to summarize this for people to look at. 1053 00:55:26.480 --> 00:55:31.519 And therefore, he traded in the twenty eighteen s five 1054 00:55:31.519 --> 00:55:34.519 point fifty, put forty seven hundred dollars down and had 1055 00:55:34.559 --> 00:55:36.760 a loan of twenty four eight seventy five to get 1056 00:55:36.800 --> 00:55:39.480 his Avalon back at a grand total of twenty nine 1057 00:55:39.480 --> 00:55:40.519 to five seventy five. 1058 00:55:41.119 --> 00:55:46.599 Now, now his net loss. I gotta do this accurately 1059 00:55:46.719 --> 00:55:48.039 now because I had a little off. 1060 00:55:48.280 --> 00:55:52.239 So his net loss is five thousand dollars he originally 1061 00:55:52.320 --> 00:55:56.400 put down plus forty seven hundred dollars he put down 1062 00:55:56.480 --> 00:55:59.840 on the Avalon, plus twenty four thousand and eight seventy 1063 00:55:59.840 --> 00:56:02.559 five new loan on his avalone, and then I'm going 1064 00:56:02.639 --> 00:56:05.159 to subtract forty one hundred he got back in a 1065 00:56:05.320 --> 00:56:08.440 check for a net loss of thirty thousand and four 1066 00:56:08.480 --> 00:56:12.239 to seventy five for dealing with these people for one month? 1067 00:56:12.599 --> 00:56:13.639 Correct, you got it? 1068 00:56:13.920 --> 00:56:14.159 Yep? 1069 00:56:14.320 --> 00:56:15.039 Thank you? Yes? 1070 00:56:15.480 --> 00:56:17.480 Or even better, he walked in with a car that 1071 00:56:17.679 --> 00:56:20.639 was totally paid off, didn't owen Nickel on it, and 1072 00:56:20.880 --> 00:56:24.159 thirty days later he has that same exact car back 1073 00:56:24.440 --> 00:56:27.119 in OHS thirty thousand dollars right right. 1074 00:56:27.480 --> 00:56:31.480 So the point is this, did he put did they 1075 00:56:31.800 --> 00:56:35.280 lose thirty thousand and four to seventy five that this 1076 00:56:35.480 --> 00:56:36.480 man needed to make. 1077 00:56:36.440 --> 00:56:40.079 Up because he used that Mercedes for a month. That's 1078 00:56:40.159 --> 00:56:40.559 the point. 1079 00:56:41.159 --> 00:56:44.880 So that's the deal, folks. I corrected it live on 1080 00:56:45.000 --> 00:56:47.400 the air. As we're on the air, we want accuracy 1081 00:56:47.519 --> 00:56:47.960 there it is. 1082 00:56:48.000 --> 00:56:49.719 I'm going to leave it up and I'm going to 1083 00:56:49.760 --> 00:56:52.840 take some comments and then well we'll and we haven't 1084 00:56:52.880 --> 00:56:56.760 forgotten other problems, quessions and complaints. So I want to 1085 00:56:56.840 --> 00:56:59.679 hear Jay, you have a question on this deal. Go ahead, Jay, 1086 00:57:02.199 --> 00:57:02.639 right Tom. 1087 00:57:02.880 --> 00:57:05.239 I'm just wondering there's there's got to be some banks 1088 00:57:05.320 --> 00:57:08.079 involved in this. Did they not see this being crazy? 1089 00:57:08.239 --> 00:57:11.639 And how did they de Sorry, this was okay for 1090 00:57:11.760 --> 00:57:14.519 them to to make these loans. 1091 00:57:14.199 --> 00:57:17.400 And I can tell you how that works usually. Usually, 1092 00:57:19.079 --> 00:57:25.920 usually what banks do is they concern themselves with recourse, 1093 00:57:27.079 --> 00:57:30.920 what if it defaults, And then they look at Phil 1094 00:57:31.000 --> 00:57:34.880 Long's default rate or a dealer's default rate, and let's 1095 00:57:34.880 --> 00:57:36.800 say they have a two or three percent default rate, 1096 00:57:37.199 --> 00:57:39.320 then they let it fly. But let's say they have 1097 00:57:39.400 --> 00:57:42.599 a five or fifteen percent, five to ten whatever, then 1098 00:57:43.159 --> 00:57:46.360 the dealer has to take what's called recourse. And that 1099 00:57:46.639 --> 00:57:49.679 means that if there is a default on the loan 1100 00:57:49.760 --> 00:57:53.280 within the first so many days, the dealer agrees to 1101 00:57:53.400 --> 00:57:55.599 make good on it and repossess and do all the 1102 00:57:55.679 --> 00:57:59.159 stuff and guarantee the loan and that's usually that's usually 1103 00:57:59.280 --> 00:58:01.880 three to four months of perfect payments. 1104 00:58:02.679 --> 00:58:06.280 So while we would want the banks to get involved, 1105 00:58:06.320 --> 00:58:10.480 they don't. The banks want to make loans, the banks 1106 00:58:10.519 --> 00:58:10.800 want to. 1107 00:58:10.800 --> 00:58:16.159 Make long how that could possibly have gone. They really 1108 00:58:16.199 --> 00:58:18.960 need to do something about it. But if not, maybe 1109 00:58:19.000 --> 00:58:20.480 he should just bankrupt out on him. 1110 00:58:21.480 --> 00:58:24.880 Well, yeah, it's a secure note. 1111 00:58:25.159 --> 00:58:25.880 It doesn't work. 1112 00:58:26.400 --> 00:58:28.679 I mean, he wouldn't have a vehicle. Then they'd end 1113 00:58:28.760 --> 00:58:30.880 up with his car, right exactly. 1114 00:58:34.079 --> 00:58:35.920 And I will say that I and T who's the 1115 00:58:36.039 --> 00:58:38.760 lender on the avalon, when he told them and called 1116 00:58:38.800 --> 00:58:40.760 them about the deal, they actually did the right thing. 1117 00:58:41.079 --> 00:58:43.800 They put his payments on pause for the last three months. 1118 00:58:44.079 --> 00:58:45.880 So it's the last three months he hasn't happen to 1119 00:58:45.920 --> 00:58:48.119 make payments because of how kind of shady. 1120 00:58:48.320 --> 00:58:50.000 Now I want to I want to say this about 1121 00:58:50.039 --> 00:58:52.920 Phil long she went listen. Of course it is it's 1122 00:58:52.960 --> 00:58:55.320 a person at risk, not elder abuse. But it's called 1123 00:58:55.960 --> 00:58:58.480 taking advantage of a person at risk. But here's and 1124 00:58:58.599 --> 00:58:59.960 we're going to go for that. We're going to go 1125 00:59:00.199 --> 00:59:00.360 for that. 1126 00:59:00.880 --> 00:59:03.840 But what I want to say, and what's really important 1127 00:59:04.440 --> 00:59:08.199 is that people know that this attorney tried to talk 1128 00:59:08.239 --> 00:59:12.679 to them and tried to negotiate this and tried to 1129 00:59:12.800 --> 00:59:14.840 make it so it wasn't terrible. 1130 00:59:15.280 --> 00:59:17.639 And they have not called her back, and they have 1131 00:59:17.840 --> 00:59:22.840 ignored her. They have ignored her. So it's it's how 1132 00:59:22.920 --> 00:59:24.400 many times have you reached out? 1133 00:59:24.800 --> 00:59:24.920 Oh? 1134 00:59:25.079 --> 00:59:26.880 Countless, I've reached out countless times. 1135 00:59:26.920 --> 00:59:29.159 We were playing phone tag, so Tyler Harp over at 1136 00:59:29.599 --> 00:59:31.559 Colorado Springs. We were playing phone tag a little bit 1137 00:59:31.639 --> 00:59:34.159 for about a week and then he stopped calling me back. 1138 00:59:34.239 --> 00:59:35.800 I kept calling, calling, calling. 1139 00:59:35.599 --> 00:59:37.400 And finally at the end of it, I said about 1140 00:59:37.559 --> 00:59:39.599 probably about four or five times after I said, look, 1141 00:59:39.960 --> 00:59:41.280 I got to take the next step if you're not 1142 00:59:41.280 --> 00:59:42.760 going to call me back, And he didn't. And I'm 1143 00:59:42.800 --> 00:59:46.239 not the only one who tried, right, My client Ron Simpson, 1144 00:59:46.400 --> 00:59:47.039 also tried. 1145 00:59:47.159 --> 00:59:53.039 Ron, how many times did you try hit the button? Plase, Yeah, 1146 00:59:53.079 --> 00:59:53.400 you're good. 1147 00:59:53.639 --> 00:59:57.280 Yeah, at least four or five. And I kept get 1148 00:59:57.400 --> 00:59:59.800 different people that are very nice. They just did pretty 1149 00:59:59.840 --> 01:00:00.719 much all ignored me. 1150 01:00:01.639 --> 01:00:04.000 He still calls him very nice. Listen to this, man. 1151 01:00:04.079 --> 01:00:07.679 Knows I even made an offer. 1152 01:00:09.280 --> 01:00:11.119 You don't make any offers anymore. 1153 01:00:10.840 --> 01:00:14.880 For the Mercedes bands. It's just in fairness. I'll give 1154 01:00:14.920 --> 01:00:18.400 you your advertised price, and I wrote it along hand. 1155 01:00:18.519 --> 01:00:21.239 I gave a copy to my attorney. I tried to 1156 01:00:21.400 --> 01:00:24.280 negotiate and talk to him. I didn't get anybody. 1157 01:00:24.360 --> 01:00:25.400 What did you mean by you? 1158 01:00:25.519 --> 01:00:27.880 Just said sommer, I'm curious about you said you tried 1159 01:00:27.920 --> 01:00:29.400 to give him the advertised price? 1160 01:00:29.480 --> 01:00:29.960 What was that? 1161 01:00:31.159 --> 01:00:32.280 I don't remember. 1162 01:00:32.320 --> 01:00:35.639 Okay, okay, I think I think he wanted to give 1163 01:00:35.639 --> 01:00:37.039 the advertised price for the Avalon. 1164 01:00:37.159 --> 01:00:42.119 No, I did not. I did not need any of 1165 01:00:42.199 --> 01:00:46.880 this crud, all the add on service contract and the 1166 01:00:47.079 --> 01:00:50.159 Mercedes bands. I offered to buy back if it would 1167 01:00:50.159 --> 01:00:54.840 appease their little bastards. And I said, here's your price. 1168 01:00:54.880 --> 01:00:58.320 I'll pay it for you somehow. I mean, but this 1169 01:00:58.519 --> 01:01:01.280 is this one isn't right. I'm paying. I'm making a 1170 01:01:01.320 --> 01:01:04.239 payment on my own car that was free and clear, 1171 01:01:04.960 --> 01:01:07.159 and you haven't told me why. I'm learning right now. 1172 01:01:08.079 --> 01:01:12.119 But I tried to work with them four or five times. 1173 01:01:12.119 --> 01:01:15.400 They're very nice, but I got Brian, and I think. 1174 01:01:15.719 --> 01:01:18.599 Stop calling him nice, jeez. Stop. 1175 01:01:19.360 --> 01:01:21.320 In my opinion, they put the Joki doke on you, 1176 01:01:21.440 --> 01:01:23.559 big time man. No matter how you look at it, 1177 01:01:24.199 --> 01:01:27.320 they totally bent you over and screwed you. They they 1178 01:01:27.519 --> 01:01:31.519 totally totally took advantage of you. They saw you walking 1179 01:01:31.599 --> 01:01:32.760 in and took advantage of you. 1180 01:01:33.000 --> 01:01:36.239 Well, the things I just didn't want to work, sit 1181 01:01:36.320 --> 01:01:37.159 down and negotiation. 1182 01:01:37.199 --> 01:01:41.760 You can barely walk by the way, Tom. You know, 1183 01:01:43.599 --> 01:01:47.360 thank god we have this show right now and we're 1184 01:01:47.400 --> 01:01:50.079 not going to let this go. This will be the 1185 01:01:50.239 --> 01:01:51.960 topic of my show. 1186 01:01:52.039 --> 01:01:54.360 Now. I don't mean the whole show, but this will 1187 01:01:54.440 --> 01:01:58.039 be on the show every single day. Every single day. 1188 01:02:00.159 --> 01:02:03.960 I went hired you, Tom, I prayed on it. Yeah, 1189 01:02:04.199 --> 01:02:06.480 and that is a lot kind of broke or anything. 1190 01:02:06.480 --> 01:02:10.000 I mean, I've worked as a teacher. I have an 1191 01:02:10.039 --> 01:02:15.599 okay income, but it's just not right. I taught history, 1192 01:02:15.679 --> 01:02:19.760 I was a guidance counselor, I was a principal, as 1193 01:02:19.800 --> 01:02:24.880 a superintendent. I taught at all levels Los Alamos, mostly 1194 01:02:24.960 --> 01:02:26.639 small schools as a superintendent. 1195 01:02:26.719 --> 01:02:28.599 For you, how'd you find out about RAINA. 1196 01:02:29.320 --> 01:02:36.119 Just word of mouth. One of my students' daughters worked 1197 01:02:36.199 --> 01:02:38.360 at the civil court what did you call it? 1198 01:02:38.480 --> 01:02:40.199 Small claims court? 1199 01:02:40.639 --> 01:02:42.440 And I couldn't get in there because there's they're on 1200 01:02:43.880 --> 01:02:48.320 Addresser County and uh so I started coming up here 1201 01:02:48.400 --> 01:02:51.760 and she said, we'll try this number. I probably shouldn't 1202 01:02:51.760 --> 01:02:53.800 say that because I don't think she's supposed to give 1203 01:02:53.800 --> 01:02:58.719 out advice, but anyways, she's just giving me people's names. 1204 01:02:58.760 --> 01:03:02.960 And she said, well, well here here's anyway he did. 1205 01:03:03.440 --> 01:03:05.760 I prayed on us. You popped into my lock because 1206 01:03:06.559 --> 01:03:09.119 I'm pretty well tapped rated. 1207 01:03:09.199 --> 01:03:12.320 Do you specialize in car deals? I mean, how do 1208 01:03:12.440 --> 01:03:13.719 you come into focus on this? 1209 01:03:14.079 --> 01:03:14.280 Yep? 1210 01:03:14.360 --> 01:03:16.480 So I'm a Lemon law and auto fraud attorney, so 1211 01:03:16.559 --> 01:03:18.400 all I do is focus on this is what you do. 1212 01:03:18.599 --> 01:03:20.559 That's what I do, right, And I just want to 1213 01:03:20.639 --> 01:03:23.639 just just interject this in here. When I did speak 1214 01:03:23.639 --> 01:03:26.320 with them, they said that they would refund his service 1215 01:03:26.440 --> 01:03:29.239 contract from the last deal. So they did say, okay, 1216 01:03:29.280 --> 01:03:31.360 we're going to refund you. I think it's forty seven 1217 01:03:31.440 --> 01:03:31.920 hundred for that. 1218 01:03:32.079 --> 01:03:33.920 Well, they gave ed forty one hundred, so that could 1219 01:03:33.920 --> 01:03:34.960 have been in that could have been in. 1220 01:03:35.599 --> 01:03:39.559 Remembering that role and I'm sorry, I'm sorry. I didn't 1221 01:03:39.559 --> 01:03:42.719 mean well, no, I interrupted you, but it was it 1222 01:03:42.840 --> 01:03:45.039 might have been forty seven. I don't remember. 1223 01:03:45.519 --> 01:03:48.440 Remembers as well as so anyway, Yeah, so anyways, they 1224 01:03:48.480 --> 01:03:49.280 did try to make it right. 1225 01:03:49.320 --> 01:03:52.280 But when I try to follow up, wait, wait, would 1226 01:03:52.320 --> 01:03:54.199 you have been satisfied with that making. 1227 01:03:54.079 --> 01:03:55.719 Maybe not because of course not. 1228 01:03:55.920 --> 01:03:56.119 Yeah. 1229 01:03:56.159 --> 01:03:57.920 When they told me that, I said, I called him 1230 01:03:57.960 --> 01:03:59.599 right back and I said, what else are you going 1231 01:03:59.679 --> 01:03:59.840 to do? 1232 01:04:00.199 --> 01:04:00.440 Fine? 1233 01:04:00.519 --> 01:04:02.679 Great, thank you so much for refunding the service contract. 1234 01:04:02.719 --> 01:04:03.119 They own a. 1235 01:04:03.159 --> 01:04:07.159 Vehicle that he'll never use, right because he doesn't own it, right, thank. 1236 01:04:06.960 --> 01:04:07.519 You for doing that. 1237 01:04:08.159 --> 01:04:10.559 And also not all of it, right because a thirteen 1238 01:04:10.639 --> 01:04:13.119 thousand was a full service contract on the Mercedes. 1239 01:04:13.519 --> 01:04:15.000 So anyways, thank you so much for doing that. 1240 01:04:15.079 --> 01:04:17.320 But on the car that he traded back in, he 1241 01:04:17.360 --> 01:04:20.360 had thirteen grand of mop and glow and they gave 1242 01:04:20.440 --> 01:04:22.559 him a little over four back on it or forty 1243 01:04:22.599 --> 01:04:23.800 seven whatever, right, and. 1244 01:04:23.840 --> 01:04:26.159 Then the new service contract on the app that's where. 1245 01:04:25.960 --> 01:04:27.159 They made it back again. 1246 01:04:28.599 --> 01:04:28.840 Once. 1247 01:04:29.400 --> 01:04:31.920 Yeah, I'm saying they sold him the service contract down 1248 01:04:32.000 --> 01:04:32.639 his own vehicle. 1249 01:04:32.800 --> 01:04:34.400 Oh right, they made it back again exactly. 1250 01:04:34.599 --> 01:04:38.280 Yep, yep, yep. I did want to say this. It's 1251 01:04:38.320 --> 01:04:38.840 just crazy. 1252 01:04:39.239 --> 01:04:40.000 They're pretty good. 1253 01:04:42.559 --> 01:04:48.320 Yeah, And anyway, here's the deal. We have a situation 1254 01:04:48.960 --> 01:04:51.639 that we're not going to let stand, and I think 1255 01:04:51.840 --> 01:04:55.280 people need to do something about it. I think they 1256 01:04:55.360 --> 01:04:57.760 need to call and let people and let just let 1257 01:04:57.840 --> 01:05:02.280 them know you're never ever ever going to accept this ever, ever, ever, 1258 01:05:02.519 --> 01:05:05.880 ever accepted? Now, did I take the thirty Shannon or 1259 01:05:05.960 --> 01:05:08.679 what did I screw myself on that? I didn't? I am? 1260 01:05:08.880 --> 01:05:12.119 I am that far behind and you didn't tell me? Okay, 1261 01:05:12.159 --> 01:05:13.960 we got more coming? How can I fix this? 1262 01:05:19.039 --> 01:05:22.320 Go with a sure thing Denver's best roofer Excel Roofing 1263 01:05:22.400 --> 01:05:25.039 dot com. You don't pay a cent until you're content. 1264 01:05:28.440 --> 01:05:31.559 Time for an insurance check up free, no obligation comparison 1265 01:05:31.760 --> 01:05:35.280 call Compass Insurance paying too much your coverage at dozens 1266 01:05:35.320 --> 01:05:38.039 of insurance companies find out now three O three seven 1267 01:05:38.039 --> 01:05:40.360 to seven to one help. You'll think you're his only 1268 01:05:40.519 --> 01:05:42.920 customer when you choose Frank durand the real estate Man 1269 01:05:43.000 --> 01:05:46.400 dot com to list your home with Remax Alliance three 1270 01:05:46.639 --> 01:05:56.880 three nine two zero sixteen twenty two. Hi Tom Martino, 1271 01:05:57.079 --> 01:06:01.519 you're troubleshooter three O three seven won three talks seven 1272 01:06:01.559 --> 01:06:02.480 one three eight. 1273 01:06:02.400 --> 01:06:03.440 Two five five. 1274 01:06:03.719 --> 01:06:06.719 Hey, I got an interesting text. Yes, maybe you can 1275 01:06:06.800 --> 01:06:09.719 explain this real quick. It basically says, what is Tom 1276 01:06:09.840 --> 01:06:11.199 talking about? Discovery? 1277 01:06:11.280 --> 01:06:12.079 What does that mean? 1278 01:06:13.119 --> 01:06:13.280 Oh? 1279 01:06:13.920 --> 01:06:16.519 When I when I said go ahead and sue me, 1280 01:06:16.599 --> 01:06:19.280 I can't wait for the discovery? It means where you. 1281 01:06:20.119 --> 01:06:24.559 Get to probe the other side. Like people always think, oh, 1282 01:06:24.760 --> 01:06:27.039 I want to sue that person. They get like really 1283 01:06:27.119 --> 01:06:30.280 pissed off and want to sue. Sometimes that happens to 1284 01:06:30.400 --> 01:06:33.119 me when I'm on the air over the years, people 1285 01:06:33.199 --> 01:06:36.239 want to sue me because they get really pissed. Right, Well, 1286 01:06:38.440 --> 01:06:41.039 what happens is they they can get pissed all they 1287 01:06:41.119 --> 01:06:44.840 want and and uh then when they sue me, I 1288 01:06:45.000 --> 01:06:48.440 get to probe them. If they claim they lost money 1289 01:06:48.519 --> 01:06:50.360 because of me, I get to see their books. 1290 01:06:50.639 --> 01:06:53.079 You kind of kind of dirty today you're talking about 1291 01:06:53.119 --> 01:06:55.280 bending over and a lot of probing going on. I mean, 1292 01:06:55.360 --> 01:06:57.480 this is a whole new hole of the show. 1293 01:06:57.559 --> 01:06:58.800 John. You know what discovery is. 1294 01:06:58.880 --> 01:07:00.599 You can explain it better than I can. I mean, 1295 01:07:00.840 --> 01:07:04.159 and so can rain arena. If somebody sues you, it's 1296 01:07:04.239 --> 01:07:06.119 not a walk in the park. You get to probe 1297 01:07:06.199 --> 01:07:07.119 all kinds of stuff. 1298 01:07:07.199 --> 01:07:09.400 Go ahead. I mean, either one of you talk about that. 1299 01:07:10.800 --> 01:07:14.079 Well, this discovery is a there should be no surprises 1300 01:07:14.159 --> 01:07:16.280 in trial is kind of what the concept is. And 1301 01:07:16.440 --> 01:07:18.960 so in advance of trial, both sides are given an 1302 01:07:19.000 --> 01:07:22.559 opportunity to pose questions on the other side that have 1303 01:07:22.639 --> 01:07:26.400 to be answered under oath, and also to take evidentiary 1304 01:07:26.480 --> 01:07:30.119 depositions and stuff so that in theory, you know, disputes 1305 01:07:30.159 --> 01:07:32.800 have an opportunity to settle because both sides are fully 1306 01:07:32.880 --> 01:07:34.719 informed before they ever get to the trial. 1307 01:07:34.920 --> 01:07:36.119 We gotta break guys. 1308 01:07:40.519 --> 01:07:43.800 Go with a sure thing Denver's Best roofer Excel Roofing 1309 01:07:43.920 --> 01:07:46.519 dot com. You don't pay a cent until you're content. 1310 01:07:49.920 --> 01:07:53.079 Time for an insurance checkup free, no obligation. In comparison, 1311 01:07:53.239 --> 01:07:56.760 call Compass Insurance paying too much your coverage at dozens 1312 01:07:56.800 --> 01:07:59.480 of insurance companies find out now three all three seven 1313 01:07:59.519 --> 01:08:02.639 to seven help. You'll think you're his only customer when 1314 01:08:02.679 --> 01:08:04.920 you choose Frank durand the real estate Man dot com 1315 01:08:05.199 --> 01:08:08.280 to list your home with Remax Alliance three all three 1316 01:08:08.400 --> 01:08:14.400 nine two zero sixteen twenty two. Hi Tom Martino here 1317 01:08:14.480 --> 01:08:16.680 three all three seven one three talk seven one three 1318 01:08:16.680 --> 01:08:17.520 eight two five five. 1319 01:08:18.159 --> 01:08:21.479 Oh god, I'm so sorry. We're running behind. So, Kathy, 1320 01:08:21.560 --> 01:08:23.640 what's your question on your roofing contract. Let's try to 1321 01:08:23.640 --> 01:08:24.720 squeeze in here. What's going on? 1322 01:08:26.920 --> 01:08:31.479 I'm kind of general contractor contingency agreement and we were 1323 01:08:31.560 --> 01:08:35.680 told this was just to authorize them to contact our 1324 01:08:35.800 --> 01:08:39.680 homeowner's insurance to start a claim. And get the insurance 1325 01:08:39.680 --> 01:08:41.800 of Jester out here and all that sort of stuff. 1326 01:08:42.159 --> 01:08:44.159 They lied to you. They lied to you. It's a 1327 01:08:44.359 --> 01:08:52.640 it's a full it's a full contract. Wow, what else 1328 01:08:52.680 --> 01:08:53.159 can I tell you? 1329 01:08:53.239 --> 01:08:55.560 They lied to you anyway? 1330 01:08:55.760 --> 01:08:59.479 So let me well, they should have had by law, 1331 01:08:59.600 --> 01:09:01.479 by call Colorado state law, they have to give you 1332 01:09:01.520 --> 01:09:03.760 a three day right to rescind on a roofing contract. 1333 01:09:03.800 --> 01:09:04.319 Did they do that? 1334 01:09:06.000 --> 01:09:08.840 Well, we signed it nine to six September sixth. 1335 01:09:08.640 --> 01:09:13.600 So and they told you, they told you it's not 1336 01:09:13.760 --> 01:09:14.720 really a contract. 1337 01:09:15.560 --> 01:09:18.800 No, they told us. It authorizes them to start talking 1338 01:09:18.880 --> 01:09:19.960 to our homeowners. 1339 01:09:20.159 --> 01:09:22.880 Well, yeah, and it also authorizes them to be your 1340 01:09:22.960 --> 01:09:25.119 roofer right or to designate a rufer. 1341 01:09:25.520 --> 01:09:27.359 I want you to. Can you send us a copy? 1342 01:09:27.520 --> 01:09:28.960 We have an attorney in the studio. 1343 01:09:29.800 --> 01:09:31.079 Yeah, I got it ready to go. 1344 01:09:31.840 --> 01:09:34.319 Hold on, hold on, hold on, I want to get 1345 01:09:34.359 --> 01:09:36.800 that during the break. John Fuller can look at it. 1346 01:09:36.920 --> 01:09:39.520 Three oh three seven one three eight two five five 1347 01:09:40.000 --> 01:09:42.920 And don't forget John Fuller's here, personal injury attorney, Personal 1348 01:09:42.960 --> 01:09:45.800 Injury coo dot go with a sure thing Denver's Best 1349 01:09:45.920 --> 01:09:47.720 Roofer Excel Roofing dot com. 1350 01:09:47.920 --> 01:09:49.920 You don't pay a cent until you're content. 1351 01:09:53.319 --> 01:09:56.439 Time for an insurance check up free, no obligation in comparison, 1352 01:09:56.640 --> 01:09:59.880 call Compass insurance paying too much your coverage? That does 1353 01:10:00.239 --> 01:10:02.920 of insurance companies? Find out now three all three seven 1354 01:10:03.039 --> 01:10:03.479 seven to one. 1355 01:10:03.640 --> 01:10:03.840 Help. 1356 01:10:04.039 --> 01:10:06.680 You'll think you're his only customer when you choose Frank 1357 01:10:06.760 --> 01:10:09.159 durand the real estate Man dot com to list your 1358 01:10:09.239 --> 01:10:12.359 home with Remax Alliance three all three nine two zero 1359 01:10:12.479 --> 01:10:13.600 sixteen twenty two. 1360 01:10:20.000 --> 01:10:22.520 Ripped news. 1361 01:10:23.479 --> 01:10:24.359 You need advice? 1362 01:10:24.479 --> 01:10:29.359 Who you don't have? Come running just as fast as 1363 01:10:29.439 --> 01:10:29.880 we can. 1364 01:10:30.800 --> 01:10:33.880 Shooter's gonna help coming. 1365 01:10:33.720 --> 01:10:40.199 Man Dick is the Troubleshooter Show. No Tom Martino, Hi. 1366 01:10:40.600 --> 01:10:44.000 Tom Martino, your troubleshooter, Welcome to the show. Three O 1367 01:10:44.159 --> 01:10:47.520 three seven one three talk three oh three seven one 1368 01:10:47.600 --> 01:10:50.319 three eight two five five. Here to help you solve problems, 1369 01:10:50.359 --> 01:10:52.720 answer question, take complaints, make your life a little easier. 1370 01:10:52.760 --> 01:10:54.399 Whatever it takes, we'll. 1371 01:10:54.239 --> 01:10:54.640 Do for you. 1372 01:10:55.399 --> 01:11:00.279 So we want to take your calls on anything. He's 1373 01:11:00.319 --> 01:11:02.960 got a question on email, and excuse me on a 1374 01:11:03.119 --> 01:11:06.880 roofie and she emailed the contract and did we get that? 1375 01:11:07.159 --> 01:11:09.079 And did we get John looking at it? I didn't 1376 01:11:09.119 --> 01:11:12.079 look at it yet, but I will now. 1377 01:11:12.159 --> 01:11:15.239 We got to get it, okay, So you both come 1378 01:11:15.319 --> 01:11:20.199 it in your inbox. I need John's email, Well, yeah, okay, 1379 01:11:21.520 --> 01:11:22.159 I'll get it to it. 1380 01:11:22.680 --> 01:11:23.520 Get that okay. 1381 01:11:23.960 --> 01:11:27.520 So on this contract, I'm looking at it and again 1382 01:11:27.760 --> 01:11:31.000 we'll just look at this roughly. Now, there's only one 1383 01:11:31.079 --> 01:11:33.720 page here, right, that's it. That's all she sent was 1384 01:11:33.760 --> 01:11:38.760 this one page, correct, I can read it. I the 1385 01:11:38.880 --> 01:11:45.319 insured of the property hereby constitute and a point r 1386 01:11:45.439 --> 01:11:50.399 JI Professionals the contractor as my contractor in fact, all right, 1387 01:11:51.560 --> 01:11:55.399 and an authorized said contractor to act on my behalf 1388 01:11:56.960 --> 01:12:01.239 in any means and effect and cure the submitting and 1389 01:12:01.359 --> 01:12:05.800 are processing of claims resulting from by the way they been, 1390 01:12:05.960 --> 01:12:08.800 Are they public adjusters, because that's what they're sounding like, 1391 01:12:09.479 --> 01:12:13.960 associated with any manner related to the damage that repairs. Basically, 1392 01:12:14.079 --> 01:12:17.239 you've just said, these guys are the they're your contractor, I. 1393 01:12:17.239 --> 01:12:20.079 Mean, no matter what they power attorney, you know. 1394 01:12:20.359 --> 01:12:20.560 Yeah. 1395 01:12:21.079 --> 01:12:26.600 I appoint RJI Professionals to gather and collect all relevant 1396 01:12:26.640 --> 01:12:29.960 and pertinent information to be used in connection with the 1397 01:12:30.000 --> 01:12:31.880 submission and processing of all. 1398 01:12:31.840 --> 01:12:35.119 Claims or potential claims. 1399 01:12:36.399 --> 01:12:41.119 This authorization includes, but not limited to, corresponding to my 1400 01:12:41.279 --> 01:12:46.520 insurance carrier agents and others, including and not limited to 1401 01:12:47.039 --> 01:12:53.720 the manufacturer, government agencies, insurance carriers, and to procure all 1402 01:12:53.880 --> 01:13:00.279 documents necessary, and to conduct claims of the property using 1403 01:13:00.359 --> 01:13:02.720 and expanding otherwise the scope of repairs. 1404 01:13:03.199 --> 01:13:08.119 Are these guys public adjusters? No, I think you're contractors. 1405 01:13:09.520 --> 01:13:10.159 Just revoke it. 1406 01:13:11.199 --> 01:13:14.000 Well, hold on, and it says, in addition to signing 1407 01:13:14.079 --> 01:13:18.479 my name to this original contingency form, I hereby grant 1408 01:13:18.600 --> 01:13:23.439 authority to these guys, authority and permission to act on 1409 01:13:23.920 --> 01:13:29.600 and perform every act or task required, proper or necessary 1410 01:13:29.720 --> 01:13:31.840 to exercise the authority. 1411 01:13:31.439 --> 01:13:33.800 I give them. You have been basically given them. 1412 01:13:33.840 --> 01:13:36.000 I mean, God in Heaven, You've give them a complete 1413 01:13:36.039 --> 01:13:38.159 authority over everything, including. 1414 01:13:37.800 --> 01:13:41.000 Making your decisions on what kind of roof for any 1415 01:13:41.159 --> 01:13:44.600 part of it. Holdowner herebias agrees. 1416 01:13:44.319 --> 01:13:48.760 To assist contractor in his efforts in their efforts basically 1417 01:13:48.960 --> 01:13:52.720 and to provide complete and accurate information, and to continually 1418 01:13:52.840 --> 01:13:56.359 provide information and to allow the contra by the way, 1419 01:13:56.479 --> 01:14:01.720 allow contractor to file all supplemental as, stimits, but not 1420 01:14:02.000 --> 01:14:07.439 limited to, incorrect measurements, additional damages, code requirements, emergency requirements, 1421 01:14:07.479 --> 01:14:13.880 additional scope and general contractors, overhead and profit contractor, represents 1422 01:14:14.279 --> 01:14:17.880 and warrants that contract or subcontract, contract employees, and contract 1423 01:14:17.960 --> 01:14:21.560 personnel will comply with all federal, state, and local laws 1424 01:14:21.840 --> 01:14:26.119 requiring licenses, business building permits, coverage certificates required. 1425 01:14:26.439 --> 01:14:29.199 Okay, guess what they didn't put a right to rescind in? Here? 1426 01:14:29.600 --> 01:14:30.720 Was this signed in your home? 1427 01:14:32.640 --> 01:14:33.039 I'm sorry? 1428 01:14:33.159 --> 01:14:35.039 What was this signed in your home? 1429 01:14:36.159 --> 01:14:36.880 On the porch? 1430 01:14:36.960 --> 01:14:37.119 Here? 1431 01:14:37.399 --> 01:14:38.840 Okay, let me explain something to you. 1432 01:14:39.640 --> 01:14:41.640 There's a law, and I know if John looks it 1433 01:14:41.720 --> 01:14:43.439 up that says if you don't get the right to 1434 01:14:43.520 --> 01:14:47.039 rescind when you should have gotten it, then then you 1435 01:14:47.279 --> 01:14:49.319 have the right to rescind until they give you the 1436 01:14:49.399 --> 01:14:50.399 right to rescind. 1437 01:14:50.159 --> 01:14:51.079 And it expires. 1438 01:14:54.039 --> 01:14:54.359 Okay. 1439 01:14:55.039 --> 01:14:57.720 What I mean is I would do what John Fuller says. 1440 01:14:57.920 --> 01:15:00.439 I would call him up and revoke it out. Who 1441 01:15:00.560 --> 01:15:01.399 are these people? 1442 01:15:01.720 --> 01:15:02.279 Who are they? 1443 01:15:02.359 --> 01:15:02.479 Do you? 1444 01:15:02.840 --> 01:15:05.239 How did you even? Can you tell me how you 1445 01:15:05.399 --> 01:15:05.800 picked them? 1446 01:15:10.239 --> 01:15:12.560 They came around the neighborhood, knock them on door? 1447 01:15:12.720 --> 01:15:16.000 Okay, the worst way, the worst way you could, the 1448 01:15:16.159 --> 01:15:18.439 worst way in the world to pick a contractor. 1449 01:15:18.720 --> 01:15:21.399 You did it. Why would you do that? I mean, 1450 01:15:21.640 --> 01:15:24.399 I'm really curious. I'm not trying to make you feel bad. 1451 01:15:24.520 --> 01:15:25.560 Why would you do that? 1452 01:15:26.079 --> 01:15:29.560 Well, we need a new roofs and it wasn't just 1453 01:15:29.640 --> 01:15:31.119 a roof, it was like windows. 1454 01:15:31.239 --> 01:15:33.680 And by the way, you know, they they have some 1455 01:15:33.920 --> 01:15:36.640 good Uh, I don't know if it's I mean, they 1456 01:15:36.680 --> 01:15:37.520 don't have bad reading. 1457 01:15:37.800 --> 01:15:40.920 I'm not I'm not saying they're automatically bad. I'm just 1458 01:15:40.960 --> 01:15:43.279 saying I don't like this. You didn't know what you 1459 01:15:43.359 --> 01:15:44.039 were getting into. 1460 01:15:44.920 --> 01:15:48.039 Well, they told us it was only to uh, you know, 1461 01:15:48.359 --> 01:15:50.479 let them talk to our insurance company. 1462 01:15:50.600 --> 01:15:52.600 And well, when you read it, did you couldn't you 1463 01:15:52.640 --> 01:15:53.920 see couldn't you look at you? 1464 01:15:54.079 --> 01:15:54.199 Did? 1465 01:15:54.319 --> 01:15:54.880 Read it? Right? 1466 01:15:55.800 --> 01:15:56.000 Yeah? 1467 01:15:56.159 --> 01:15:56.600 I read it? 1468 01:15:56.880 --> 01:15:57.000 Now? 1469 01:15:57.119 --> 01:15:59.600 Really? Truly truly? What part of that? 1470 01:16:01.000 --> 01:16:01.039 What? 1471 01:16:01.319 --> 01:16:04.560 What what you say to you? 1472 01:16:05.079 --> 01:16:05.119 What? 1473 01:16:05.319 --> 01:16:05.720 I'm sorry? 1474 01:16:05.800 --> 01:16:08.720 What did you say when I said didn't couldn't you see? 1475 01:16:08.800 --> 01:16:11.479 By the couldn't you see that? It was way more 1476 01:16:11.560 --> 01:16:13.239 than just talking to your insurance company? 1477 01:16:13.479 --> 01:16:16.560 Yeah, when I actually looked at it. Actually, my husband 1478 01:16:16.640 --> 01:16:19.920 signed it, and I'm much more lerious contracts than he is. 1479 01:16:21.199 --> 01:16:22.479 It says Kathy and Mike. 1480 01:16:23.319 --> 01:16:25.159 Yeah, but he's the one that signed it. 1481 01:16:26.039 --> 01:16:26.800 Yeah, I'm not. 1482 01:16:26.840 --> 01:16:29.840 Even sure if this is a signature. Is this a signature? No, 1483 01:16:30.119 --> 01:16:34.119 I'm saying, is void, unenforceable. Did you hear what John saidiculous? 1484 01:16:34.520 --> 01:16:36.319 It's ridiculous. It's ridiculous. 1485 01:16:36.479 --> 01:16:39.319 It doesn't even talk about damage to your roof from 1486 01:16:39.359 --> 01:16:43.399 a storm or any particular you know, peril. It's just 1487 01:16:43.479 --> 01:16:47.840 the most general, overbroad crap thing I've seen and listen 1488 01:16:48.079 --> 01:16:48.680 a really. 1489 01:16:48.560 --> 01:16:50.880 Long time, and I agree with John Fuller. 1490 01:16:51.479 --> 01:16:54.000 Now, did you, by the way, call them and say 1491 01:16:54.039 --> 01:16:56.000 you want to cancel or write them and tell him 1492 01:16:56.000 --> 01:16:57.359 you want to can we'll do it? 1493 01:16:58.399 --> 01:16:58.640 Do it. 1494 01:16:59.239 --> 01:17:01.000 I'm not saying you don't want to use them. Actually 1495 01:17:01.159 --> 01:17:02.920 I don't. I wouldn't, but I just don't like the 1496 01:17:02.960 --> 01:17:03.960 way they did business here. 1497 01:17:04.800 --> 01:17:07.159 But you need to do I don't either, especially if 1498 01:17:07.159 --> 01:17:07.920 they lied to us. 1499 01:17:09.479 --> 01:17:12.960 Well, I don't know you're saying they lied to you 1500 01:17:13.359 --> 01:17:15.439 based on this contract. They were pretty clear on what 1501 01:17:15.520 --> 01:17:17.439 they were going to do and you signed it, So 1502 01:17:17.600 --> 01:17:20.239 I can't say that they lied to you. 1503 01:17:20.760 --> 01:17:21.520 You know what I'm saying. 1504 01:17:22.840 --> 01:17:28.960 Yeah, there's no there's no scope, there's no term, there's 1505 01:17:29.039 --> 01:17:33.600 no right to revoke, there's no terms there and there's 1506 01:17:33.760 --> 01:17:37.239 nothing there's nothing. It has to have a I mean 1507 01:17:37.439 --> 01:17:39.680 to the extent that this maybe could be construed as 1508 01:17:39.760 --> 01:17:41.840 like a power of attorney, which it almost seems like 1509 01:17:41.960 --> 01:17:47.640 it is. It absolutely has to be revocable upon notice. 1510 01:17:48.119 --> 01:17:50.800 So I mean, just I would write them a one 1511 01:17:50.920 --> 01:17:54.600 line thing saying, you know, this document that we signed 1512 01:17:54.720 --> 01:17:58.359 is hereby revoked. Your services are no longer required. You know, 1513 01:18:00.479 --> 01:18:01.920 it's nothing. 1514 01:18:01.960 --> 01:18:05.479 It's too weird for me. And it gets even weirder. 1515 01:18:06.359 --> 01:18:07.640 What's that? What's weirder? 1516 01:18:08.399 --> 01:18:10.159 So and on a better business. 1517 01:18:10.119 --> 01:18:13.039 Thing, and people were complaining about them. You know, it's 1518 01:18:13.039 --> 01:18:15.680 been over a year and things are still. 1519 01:18:15.560 --> 01:18:18.560 Not repaired or just the pound sand. 1520 01:18:19.880 --> 01:18:22.439 And so I asked, I did ask, you know, hey, 1521 01:18:22.520 --> 01:18:23.880 what work will be done this year? 1522 01:18:24.399 --> 01:18:27.359 And they said nothing, and it's a long list from 1523 01:18:27.399 --> 01:18:28.439 a hail damage storm. 1524 01:18:29.359 --> 01:18:30.920 And that i'd call. 1525 01:18:31.119 --> 01:18:33.039 You want to have someone that's really going to help 1526 01:18:33.079 --> 01:18:34.520 you and walk you through it and do it the 1527 01:18:34.640 --> 01:18:37.199 right way, call Matt over at Paragon Services. 1528 01:18:38.439 --> 01:18:38.680 Matt. 1529 01:18:39.119 --> 01:18:42.560 Matt's a public adjuster. It's completely Yeah, he fights for you, 1530 01:18:42.840 --> 01:18:44.239 that you're his client. 1531 01:18:44.800 --> 01:18:47.800 But but yeah, but different than. 1532 01:18:47.800 --> 01:18:51.359 The state farm insurance adjuster that okay, he goes up again. 1533 01:18:52.199 --> 01:18:56.720 Let's explain this, Okay, Public adjusters are different than insurance 1534 01:18:56.760 --> 01:19:02.079 adjusters and independent adjusters. The name independent adjusters gives the 1535 01:19:02.199 --> 01:19:07.119 false impression. Independent adjusters are hired by insurance companies when 1536 01:19:07.119 --> 01:19:10.880 they run short of their own insurance adjusters. Those two 1537 01:19:11.359 --> 01:19:15.840 independent and regular insurance adjusters work for the insurance company. 1538 01:19:16.399 --> 01:19:19.159 Their job is to look at your claim and whether 1539 01:19:19.239 --> 01:19:21.520 you like it or not, the truth of the matter 1540 01:19:21.720 --> 01:19:23.920 is they look at your claim and try to pay 1541 01:19:23.920 --> 01:19:25.079 as little as possible. 1542 01:19:25.239 --> 01:19:27.680 Okay, that's what they try to do. Okay. 1543 01:19:28.039 --> 01:19:31.920 So now a public adjuster is as the name implies, 1544 01:19:32.279 --> 01:19:35.600 they work for the public. So you hire them and 1545 01:19:35.720 --> 01:19:38.680 they take a look at what the insurance company said. 1546 01:19:38.760 --> 01:19:41.159 And think, oh, you need way more than this. You 1547 01:19:41.319 --> 01:19:43.439 need this, you need this, you need this, you need this. 1548 01:19:44.359 --> 01:19:45.520 As a result of that. 1549 01:19:47.279 --> 01:19:51.000 You then get more money and they take a small percentage. 1550 01:19:51.600 --> 01:19:54.319 Usually you can't get near as much as you can 1551 01:19:54.439 --> 01:19:57.359 on your own. It's just like hiring a personal injury attorney. 1552 01:19:57.399 --> 01:19:59.439 I mean, they take a percentage of what they collect, 1553 01:19:59.479 --> 01:20:01.600 but they almost almost always when they're good, like John 1554 01:20:01.640 --> 01:20:03.039 Fuller here, they collect more. 1555 01:20:03.399 --> 01:20:05.920 So that's what they do. You don't always need. 1556 01:20:05.880 --> 01:20:10.560 A public adjuster unless you have multiple areas of damages. Now, 1557 01:20:10.680 --> 01:20:13.600 a good roofer like Excel Roofing would come to your 1558 01:20:13.640 --> 01:20:17.840 house and they would say, you know what, I would 1559 01:20:17.880 --> 01:20:19.880 call a public adjuster because you have way more than 1560 01:20:19.960 --> 01:20:20.600 roof damage. 1561 01:20:21.119 --> 01:20:23.239 Because they know and they can recognize it. 1562 01:20:23.640 --> 01:20:27.000 A bad roofer will say we'll take care of it all, 1563 01:20:28.720 --> 01:20:31.800 and not that they won't, it's just that I think 1564 01:20:32.279 --> 01:20:36.159 when it gets into multiple areas, meaning roof siding, windows, 1565 01:20:36.479 --> 01:20:40.800 and different things, a public adjuster will probably get you 1566 01:20:40.920 --> 01:20:44.640 more money than any individual roofer or contractor could. So 1567 01:20:45.520 --> 01:20:49.399 did that company RJI that tricked you into signing this? 1568 01:20:50.079 --> 01:20:52.720 Did they? And I shouldn't use the word trick? Who 1569 01:20:52.800 --> 01:20:55.319 got you to sign this? Did they say you have 1570 01:20:55.479 --> 01:20:57.039 multiple areas of damage? 1571 01:20:57.960 --> 01:20:58.119 Yes? 1572 01:21:00.000 --> 01:21:01.079 And then you may want to call. 1573 01:21:01.039 --> 01:21:04.279 Matt and get started there, but first rescind this contract. 1574 01:21:05.199 --> 01:21:07.960 And I'm not even sure these people are licensed marked 1575 01:21:08.000 --> 01:21:08.800 to do what they're. 1576 01:21:08.640 --> 01:21:09.399 Doing, don't. 1577 01:21:09.800 --> 01:21:12.520 I'm not sure you have to be licensed as a 1578 01:21:14.199 --> 01:21:18.159 public adjuster in Colorado. I'm not sure. But I don't 1579 01:21:18.159 --> 01:21:20.239 know what these people are trying to do by that agreement. 1580 01:21:20.920 --> 01:21:24.800 They're just can we get you know what? 1581 01:21:25.079 --> 01:21:27.079 Can we get Matt on the line? I think sure 1582 01:21:27.119 --> 01:21:31.239 can get paragra in order to negotiate with an insurance company. 1583 01:21:31.359 --> 01:21:35.479 I think they're special licensing and I don't think a 1584 01:21:35.600 --> 01:21:38.680 roofer can do it technically except in the scope of 1585 01:21:38.800 --> 01:21:41.880 the roof. So these people doing a contract like this, 1586 01:21:42.399 --> 01:21:44.720 it looks a lot like a public adjust They look 1587 01:21:44.840 --> 01:21:46.680 like if you go to their website, they look like 1588 01:21:46.760 --> 01:21:48.319 their general contractors. 1589 01:21:48.399 --> 01:21:50.159 That appears to be what they. 1590 01:21:50.159 --> 01:21:55.640 Do, but it doesn't appear as if they are public adjusters. Again, 1591 01:21:56.079 --> 01:21:58.159 we're telling you what we think you should do. You 1592 01:21:58.279 --> 01:21:59.800 can take it from there and call us back. I 1593 01:22:00.119 --> 01:22:03.000 need any help. I gotta take a break. Meanwhile, let's 1594 01:22:03.039 --> 01:22:05.239 get mad on to talk about this in general. Three 1595 01:22:05.359 --> 01:22:09.520 oh three seven one three talk seven one three eight 1596 01:22:09.680 --> 01:22:17.800 two five five Go with a sure thing Denver's Best 1597 01:22:17.880 --> 01:22:19.680 roofer Excel Roofing dot com. 1598 01:22:19.880 --> 01:22:25.640 You don't pay a cent until you're content. Wait time for. 1599 01:22:25.640 --> 01:22:29.359 An insurance check up, free no obligation comparison call Compass 1600 01:22:29.439 --> 01:22:32.720 Insurance paying too much your coverage at dozens of insurance 1601 01:22:32.760 --> 01:22:35.279 companies find out now three oh three seven seven to 1602 01:22:35.319 --> 01:22:38.079 one help. You'll think you're his only customer when you 1603 01:22:38.199 --> 01:22:40.600 choose Frank durand the real estate Man dot com to 1604 01:22:40.720 --> 01:22:43.880 list your home with Remax Alliance three oh three nine 1605 01:22:43.920 --> 01:22:50.359 two zero sixteen twenty two. Hi Tom, Artino here three 1606 01:22:50.439 --> 01:22:53.479 O three seven one three talk seven one three A 1607 01:22:53.680 --> 01:22:54.760 two five five. 1608 01:22:54.880 --> 01:23:01.560 Let's talk. Suzanne's on Sues and she has a update. 1609 01:23:01.680 --> 01:23:07.640 Go ahead, Sue's what's going on Tuesday? 1610 01:23:07.720 --> 01:23:14.920 Up on Friday needing help with a nonprofit organization called 1611 01:23:15.039 --> 01:23:18.760 Action and Snacks up in Guilton County. And what they 1612 01:23:18.840 --> 01:23:21.560 do is they go around to the community and they 1613 01:23:21.680 --> 01:23:25.640 help out eligible folks who need help with fire mitigation 1614 01:23:25.840 --> 01:23:26.600 on their property. 1615 01:23:27.119 --> 01:23:28.720 Okay, you follow me so far? 1616 01:23:29.239 --> 01:23:34.640 Yes, Okay, So I guess Amy's had some trouble communicating 1617 01:23:34.720 --> 01:23:37.039 with them to get them out there to do whatever 1618 01:23:37.159 --> 01:23:41.039 needs to be done on our property. Well, the guy 1619 01:23:41.159 --> 01:23:44.479 that sort of heads off the organization called me over 1620 01:23:44.600 --> 01:23:48.800 the weekend and said they've been out to Amy's place 1621 01:23:49.000 --> 01:23:54.600 three times. The kind of fire mitigation that she needs 1622 01:23:54.800 --> 01:23:59.239 is far too dangerous for what their volunteers are equipped 1623 01:23:59.279 --> 01:24:05.800 to do. Oh shoot, So really what she needs is 1624 01:24:05.880 --> 01:24:09.199 a professional service. I don't know why she came on 1625 01:24:09.479 --> 01:24:12.399 saying they haven't called her back and all that, Tom, 1626 01:24:13.399 --> 01:24:16.880 but really she needs a professional service to go out 1627 01:24:16.960 --> 01:24:21.279 there to handle the type of mitigation that she needs. 1628 01:24:21.439 --> 01:24:21.640 Son. 1629 01:24:22.239 --> 01:24:26.520 Now, they did suggest that she called tempt then they 1630 01:24:26.640 --> 01:24:31.800 might have some resources for her. I didn't know Tom 1631 01:24:31.880 --> 01:24:35.079 if maybe our listeners would know up some resources or 1632 01:24:35.159 --> 01:24:36.479 some grands out there. 1633 01:24:36.720 --> 01:24:39.800 You know, I've never heard of I've never heard of 1634 01:24:40.039 --> 01:24:40.920 anything like that. 1635 01:24:41.119 --> 01:24:43.960 So in other words, she lives in the country or 1636 01:24:44.000 --> 01:24:46.840 somewhere near trees and bushes and all that, and needs 1637 01:24:46.880 --> 01:24:47.560 to help get. 1638 01:24:47.439 --> 01:24:51.399 Her property near Blackhawk. She's up near Blackhawk, I believe. 1639 01:24:51.479 --> 01:24:56.399 Okay, And so Amy, you what are your neighbors doing? 1640 01:24:56.479 --> 01:24:58.560 I mean, most everyone can afford it? 1641 01:24:58.720 --> 01:24:59.439 Is that what it is? 1642 01:24:59.560 --> 01:25:05.760 And you can hand is Amy there always is? Yeah, 1643 01:25:05.800 --> 01:25:08.119 this is Amy, right or not? Is this the one 1644 01:25:08.159 --> 01:25:13.279 you were working with? Sus Amy? I am here, okay, 1645 01:25:13.760 --> 01:25:16.720 So tell me what you've done in past years. 1646 01:25:18.079 --> 01:25:21.119 Well, number one, I'd like to say, they never called 1647 01:25:21.159 --> 01:25:25.039 me back after the last visit, and they said they 1648 01:25:25.119 --> 01:25:28.920 could do the nine or ten trees, but the rest 1649 01:25:29.000 --> 01:25:29.560 they couldn't. 1650 01:25:30.199 --> 01:25:31.119 And as I. 1651 01:25:31.279 --> 01:25:35.119 Mentioned to you, they said they intended to take all 1652 01:25:35.199 --> 01:25:38.600 the firewoods from those trees and only leave me the 1653 01:25:38.680 --> 01:25:42.560 firewood from two down trees that they offered to cut up. 1654 01:25:43.199 --> 01:25:46.880 So Steve, I believe, as a gentleman who's the contact, 1655 01:25:47.680 --> 01:25:50.760 was not telling you the same thing he had discussed 1656 01:25:50.760 --> 01:25:51.000 with her. 1657 01:25:51.159 --> 01:25:53.079 Well, okay, but here's what I'm missing. 1658 01:25:53.079 --> 01:25:55.520 Can't be a choosers. It sounds like they've done all 1659 01:25:55.560 --> 01:25:56.680 they can do to help you. 1660 01:25:57.199 --> 01:25:57.359 Yeah. 1661 01:25:57.399 --> 01:25:59.279 Yeah, I don't want to get into I don't want 1662 01:25:59.319 --> 01:26:01.439 to get into he said. She said, it's not worth 1663 01:26:01.520 --> 01:26:02.119 it right now. 1664 01:26:02.800 --> 01:26:05.560 I just want to know you were getting free services 1665 01:26:05.600 --> 01:26:07.119 from these people and now you can't. 1666 01:26:07.159 --> 01:26:10.279 So I need to know did you previously get services 1667 01:26:10.359 --> 01:26:10.760 from them? 1668 01:26:12.079 --> 01:26:12.119 No? 1669 01:26:13.159 --> 01:26:17.239 Okay, So in the past years, what have you done 1670 01:26:17.359 --> 01:26:19.560 for fire mitigation in the past years? 1671 01:26:20.880 --> 01:26:23.680 I just pick up, I just pulled down. 1672 01:26:25.920 --> 01:26:27.399 Okay, and so. 1673 01:26:28.880 --> 01:26:35.359 All right, So when you when you learned about this service, 1674 01:26:35.600 --> 01:26:40.039 it's a nonprofit service, I guess, yes, sir. And when 1675 01:26:40.159 --> 01:26:44.520 you learned about it, what happened? You called them? And 1676 01:26:45.399 --> 01:26:49.079 are you saying the only difference was they wanted to 1677 01:26:49.199 --> 01:26:52.079 take the firewood they got from the trees and you 1678 01:26:52.159 --> 01:26:52.840 didn't want them to. 1679 01:26:55.079 --> 01:26:57.600 Yes, or I wanted to at least keep saying. 1680 01:26:57.479 --> 01:27:00.239 Here, they're coming and doing this free for you, and 1681 01:27:00.399 --> 01:27:02.479 you were upset that they wanted to take care in 1682 01:27:02.600 --> 01:27:05.359 her house just to hold on, we're leaving something out 1683 01:27:05.359 --> 01:27:08.399 though her house is a shack and she really doesn't 1684 01:27:08.399 --> 01:27:11.239 have heat during the winter, so that firewood is what 1685 01:27:11.520 --> 01:27:13.600 keeps her warm. So I mean, we really do need 1686 01:27:13.680 --> 01:27:14.239 that part out. 1687 01:27:15.439 --> 01:27:19.319 Oh okay, Well I could call Steve back and ask 1688 01:27:19.439 --> 01:27:23.239 him about that, but my understanding was like, yeah, she's 1689 01:27:23.279 --> 01:27:26.159 in a mobile home and it's very dangerous the kind 1690 01:27:26.199 --> 01:27:30.439 of mitigation she needs done that his volunteers cannot do that, 1691 01:27:30.600 --> 01:27:33.680 but it does need to be done. He felt terrible 1692 01:27:33.880 --> 01:27:36.880 for her, but he was just a little bummed out 1693 01:27:37.000 --> 01:27:40.359 that she came on the air saying they've never called 1694 01:27:40.399 --> 01:27:42.119 her back because they've been to her house. 1695 01:27:42.159 --> 01:27:45.119 Well, yeah, and that part the bottom line is whether 1696 01:27:45.159 --> 01:27:47.560 they called her back or not. They can't do it, okay, 1697 01:27:47.720 --> 01:27:49.800 and they're not obligated to they're nonprofit. 1698 01:27:50.279 --> 01:27:53.760 So what do we So the question is what do 1699 01:27:53.880 --> 01:27:56.479 we do for her? I mean, what do we do? 1700 01:27:56.760 --> 01:27:57.199 I don't know. 1701 01:27:57.439 --> 01:28:00.840 I mean, well, I know how in Douglas where we're at, 1702 01:28:00.920 --> 01:28:04.439 their federal grants available for some mitigation. I don't know 1703 01:28:04.600 --> 01:28:06.520 anything about being eligible for it. 1704 01:28:06.640 --> 01:28:06.920 Tom. 1705 01:28:07.319 --> 01:28:10.560 I'm hoping maybe one of our listeners might know something 1706 01:28:10.600 --> 01:28:12.520 about it. That's something that might help. 1707 01:28:12.319 --> 01:28:15.000 Her, right, it would help you know. 1708 01:28:15.159 --> 01:28:18.199 I think that that what's it called, Susanne the action 1709 01:28:18.279 --> 01:28:22.319 and what is it called action. I think they'll bring 1710 01:28:22.399 --> 01:28:26.880 you firewood as needed. That's another thing they do. So 1711 01:28:27.359 --> 01:28:30.199 if you call them up and need firewood, my understanding 1712 01:28:30.319 --> 01:28:31.119 is they'll bring it to you. 1713 01:28:33.199 --> 01:28:36.159 Yes, sir, and I appreciate what you do. But I 1714 01:28:36.279 --> 01:28:38.279 am telling you from my heart in the name of 1715 01:28:38.399 --> 01:28:41.840 Jesus Christ. He's lying a better story. 1716 01:28:41.880 --> 01:28:44.239 Okay, But but I don't. I don't care if he's lying. 1717 01:28:44.359 --> 01:28:47.159 I mean the guy. The guy thinks they called you back. 1718 01:28:47.279 --> 01:28:48.840 You said he didn't. I believe you. 1719 01:28:49.039 --> 01:28:53.399 What difference does it make in the scheme of things? 1720 01:28:53.560 --> 01:28:55.199 What difference does it make? 1721 01:28:56.600 --> 01:28:59.560 I just want you to know that I called you 1722 01:28:59.680 --> 01:29:03.119 with Wait, we're not accusing you of anything. 1723 01:29:03.239 --> 01:29:07.000 Sometimes people are totally honest and they each have a 1724 01:29:07.079 --> 01:29:10.479 different interpretation of what happened. We're not calling you a liar. 1725 01:29:11.039 --> 01:29:14.319 All we're saying is this, he said he called you back, 1726 01:29:14.840 --> 01:29:17.359 and you say he didn't. I don't care about that. 1727 01:29:17.840 --> 01:29:21.119 What I care about now is fire mitigation. But Amy, 1728 01:29:21.199 --> 01:29:22.960 if you want to fight about the other thing, go 1729 01:29:23.199 --> 01:29:27.399 somewhere else. I care about fire mitigation. If anyone has 1730 01:29:27.520 --> 01:29:31.279 ideas for her, let's figure it out. I'm Tom Martinez. 1731 01:29:31.319 --> 01:29:38.560 We have more coming up. Go with a sure thing 1732 01:29:38.720 --> 01:29:42.000 Denver's Best roofer Excel Roofing dot com. You don't pay 1733 01:29:42.039 --> 01:29:48.159 a cent until you're content. Time for an insurance check 1734 01:29:48.239 --> 01:29:52.079 up free, no obligation. In comparison, call Compass Insurance paying 1735 01:29:52.119 --> 01:29:55.159 too much your coverage at dozens of insurance companies find 1736 01:29:55.159 --> 01:29:57.479 out now three O three seven seven one help. 1737 01:29:57.680 --> 01:30:00.000 You'll think you're his only customer when you choose. 1738 01:30:00.000 --> 01:30:02.279 It's Frank durand the real estate Man dot com to 1739 01:30:02.399 --> 01:30:05.560 list your home with Remax Alliance three oh three nine 1740 01:30:05.600 --> 01:30:13.279 two zero sixteen twenty two. Hi, Tom Martino, your troubleshooter 1741 01:30:13.439 --> 01:30:16.359 three O three seven one three talk seven one three 1742 01:30:16.520 --> 01:30:17.640 eight two five five. 1743 01:30:18.199 --> 01:30:21.800 Okay, so we're going to go back to Kathy. 1744 01:30:22.920 --> 01:30:24.920 I want to remind everyone we're going to recap this 1745 01:30:25.079 --> 01:30:27.880 car deal by the way, UH coming up, but right 1746 01:30:27.960 --> 01:30:30.199 now we're on to Kathy. 1747 01:30:30.920 --> 01:30:32.560 We couldn't get our public adjuster on. 1748 01:30:33.279 --> 01:30:39.119 But we're still convinced that you should cancel this contract 1749 01:30:40.159 --> 01:30:43.439 and uh and just start over because you because you 1750 01:30:43.520 --> 01:30:47.079 don't feel good about it to begin with, and that's important. 1751 01:30:47.359 --> 01:30:52.760 Okay, So really that's what you do. 1752 01:30:52.920 --> 01:30:54.359 I want you to call us back if they give 1753 01:30:54.399 --> 01:30:56.520 you any trouble, but you can tell them you spoke 1754 01:30:56.560 --> 01:30:58.760 to an attorney and the attorney didn't think it was enforceable. 1755 01:30:58.760 --> 01:31:00.479 It was too wide, it was too general. There was 1756 01:31:00.520 --> 01:31:02.439 no three day right to resin as required by state 1757 01:31:02.560 --> 01:31:08.399 law for and federal law for home contracts. And technically 1758 01:31:08.560 --> 01:31:10.680 because they didn't put in a three day right to rescind, 1759 01:31:11.760 --> 01:31:14.159 that three day rights starts when they give it to you, 1760 01:31:15.119 --> 01:31:16.640 and no matter what, you're going to rescind it. 1761 01:31:16.800 --> 01:31:19.640 So, I mean, and put it in writing. Do you 1762 01:31:19.680 --> 01:31:20.760 have an emails right too? 1763 01:31:22.319 --> 01:31:25.119 Yeah? I'm writing them now. What's that lawyer's names? 1764 01:31:26.399 --> 01:31:27.039 John Fuller? 1765 01:31:27.760 --> 01:31:34.439 Okay, yeah, yeah, I. 1766 01:31:34.520 --> 01:31:37.439 Can't believe they're just running around here. You know, I'm 1767 01:31:37.640 --> 01:31:39.840 going to go talk to my neighbors that also find this. 1768 01:31:40.960 --> 01:31:44.079 Yeah, you might want to. In fact, we should. We 1769 01:31:44.199 --> 01:31:46.319 should call and see if they have I mean, it's 1770 01:31:46.399 --> 01:31:48.119 only fair to call them to see if they haven't, 1771 01:31:48.399 --> 01:31:50.039 you know, just want to get We have no idea 1772 01:31:50.079 --> 01:31:53.840 if they do good work or not, but their contract. 1773 01:31:54.520 --> 01:31:57.800 Yes, in fact, Kina call them. Do we have any 1774 01:31:57.840 --> 01:31:58.880 deputies on right now? 1775 01:32:00.319 --> 01:32:01.319 Ken doc? 1776 01:32:01.760 --> 01:32:02.840 Is he here? Now? 1777 01:32:02.920 --> 01:32:03.680 He's on YouTube? 1778 01:32:03.720 --> 01:32:08.840 I'm looking at him, Deputy doc. Why don't we call 1779 01:32:08.960 --> 01:32:13.039 over there and ask hand dollar or either one. Let's 1780 01:32:13.479 --> 01:32:16.279 kachina figure it out. Let's just call over to this company, 1781 01:32:16.760 --> 01:32:20.279 give him the opportunity to come on the air and 1782 01:32:20.439 --> 01:32:20.920 figure out. 1783 01:32:22.199 --> 01:32:23.319 Yeah, we'll do that off the air. 1784 01:32:23.880 --> 01:32:25.119 Oh okay, all right. 1785 01:32:25.159 --> 01:32:27.560 Now, I will say, if you hire someone that's going 1786 01:32:27.640 --> 01:32:29.760 to do three, four or five different things and they're 1787 01:32:29.800 --> 01:32:32.560 a good company, I've got no problem with them getting 1788 01:32:32.600 --> 01:32:35.720 the overhead and profit and dealing with the insurance company 1789 01:32:35.760 --> 01:32:38.319 and everything else. No, if you can't get the work 1790 01:32:38.399 --> 01:32:40.800 done in a year, that's a little odd. 1791 01:32:42.760 --> 01:32:44.359 Yeah, that's I don't understand it. 1792 01:32:46.880 --> 01:32:52.119 So I want to see what they say basically, all right, 1793 01:32:52.239 --> 01:32:58.720 because I believe that in Colorado you must be licensed 1794 01:32:58.840 --> 01:33:00.359 as a public negotia ciator. 1795 01:33:01.479 --> 01:33:04.119 And I'm not sure if that's your adjuster. 1796 01:33:04.479 --> 01:33:08.199 Okay, now, I'm just reading from the the from a website. 1797 01:33:09.359 --> 01:33:13.359 They must take a Colorado public adjuster examination and have 1798 01:33:13.479 --> 01:33:18.880 a filing of license online and go through the a 1799 01:33:19.000 --> 01:33:22.600 licensing process. Now, Mark, it wouldn't be the first time 1800 01:33:23.600 --> 01:33:25.520 this artificial intelligence. 1801 01:33:25.680 --> 01:33:28.800 Well, I guess what I'm saying is maybe technically to 1802 01:33:29.079 --> 01:33:31.840 be a public adjuster, and we'll put that in quotes. 1803 01:33:32.279 --> 01:33:35.720 But I'm not so sure. You can't do the exact 1804 01:33:35.840 --> 01:33:38.039 same thing a public adjuster. 1805 01:33:37.840 --> 01:33:40.359 Does for people as a contract. 1806 01:33:40.479 --> 01:33:42.920 As a contract, Yeah, of course you can. Yeah, Well 1807 01:33:42.960 --> 01:33:44.279 that's what i'm That's what I'm saying. 1808 01:33:44.359 --> 01:33:47.000 Yeah, they're not they're not taking on a fiduciary role 1809 01:33:47.119 --> 01:33:48.399 on behalf of these homeowners. 1810 01:33:48.439 --> 01:33:51.319 They're taking on and we read that contract. Are you 1811 01:33:51.439 --> 01:33:51.840 kidding me? 1812 01:33:52.640 --> 01:33:56.039 They're not taking on a They're they're negotiating everything. 1813 01:33:56.439 --> 01:33:59.560 As the as the agent that's actually doing the work. 1814 01:34:01.319 --> 01:34:04.359 I mean, I mean, okay, and many I mean I'm 1815 01:34:04.399 --> 01:34:06.760 not gonna look John, you're the one with the law degree. 1816 01:34:07.119 --> 01:34:11.560 But yeah, okay, But that that doesn't mean that the 1817 01:34:12.239 --> 01:34:15.159 literal language of it doesn't create an agency where they 1818 01:34:15.199 --> 01:34:17.600 have a fiduciary duty to act in the best interests 1819 01:34:17.600 --> 01:34:20.319 of the homeowner. They only have a duty to act 1820 01:34:20.479 --> 01:34:24.439 on the homeowner's behalf in working out you know, issues 1821 01:34:24.560 --> 01:34:28.159 of actual cash value, their you know, retainage or whatever 1822 01:34:28.239 --> 01:34:29.800 else they're doing on these projects. 1823 01:34:30.159 --> 01:34:32.560 But it doesn't need I mean, the document fails for 1824 01:34:32.600 --> 01:34:33.119 a number. 1825 01:34:32.960 --> 01:34:36.560 Of other reasons. It doesn't specify which storm they're dealing with, 1826 01:34:36.720 --> 01:34:39.520 which damage, or how long the contract's going to last. 1827 01:34:39.600 --> 01:34:41.800 How they're going to be compensated on and all right 1828 01:34:41.880 --> 01:34:45.199 to resind, right to rescind. It has so many other problems. 1829 01:34:45.359 --> 01:34:46.800 It did, It did have other problems. 1830 01:34:46.880 --> 01:34:51.600 Now, my girlfriend said, even if you are a general 1831 01:34:51.720 --> 01:34:55.399 contractor who will be doing the work, you cannot legally 1832 01:34:55.520 --> 01:34:58.520 negotiate insurance claims on behalf of the property you will 1833 01:34:58.560 --> 01:35:02.319 be working on in Colorado unless you are a licensed public. 1834 01:35:02.159 --> 01:35:05.560 Now, John the trust. But trust me when I tell 1835 01:35:05.560 --> 01:35:07.000 you that this thing has been wrong. 1836 01:35:07.399 --> 01:35:11.399 A lot contractors can discuss the details of damage and 1837 01:35:11.560 --> 01:35:15.920 cost with insurance companies, but they cannot negotiate settlements and 1838 01:35:16.079 --> 01:35:16.920 increase prices. 1839 01:35:17.000 --> 01:35:20.239 Well, I mean, every roof contractor in the state other 1840 01:35:20.359 --> 01:35:23.199 than probably Excel Roofing. So I'm just gonna cut them 1841 01:35:23.239 --> 01:35:25.479 out of the deal here. But every other one of 1842 01:35:25.520 --> 01:35:28.640 them says, I'll deal directly with the insurance adjuster to 1843 01:35:28.760 --> 01:35:30.439 come to a price that we can all agree with. 1844 01:35:30.560 --> 01:35:33.800 How is that any different, Because here's what most roofers do. 1845 01:35:34.640 --> 01:35:37.680 They say this is what is needed. They don't say, 1846 01:35:38.439 --> 01:35:41.399 I mean, okay, maybe that's what this contract. This is 1847 01:35:41.479 --> 01:35:45.000 what is needed. And then if the insurance company says okay, 1848 01:35:45.640 --> 01:35:48.239 then that's all they're doing is negotiating what is needed, 1849 01:35:48.359 --> 01:35:51.479 not that price different than they claim they're never going 1850 01:35:51.560 --> 01:35:53.079 to because here's why, here's why. 1851 01:35:53.199 --> 01:35:54.920 If if they say, we're going to let you do 1852 01:35:55.039 --> 01:35:56.840 the deck, but we're only paying this much for it, 1853 01:35:57.199 --> 01:35:59.479 and these guys say it's worth this much and try 1854 01:35:59.520 --> 01:36:02.479 to gather information on that, they're negotiating a claim and 1855 01:36:02.560 --> 01:36:03.239 a price. 1856 01:36:03.319 --> 01:36:05.680 Not what has to be done. If the scope of 1857 01:36:05.800 --> 01:36:09.840 work this needs a deck, that's not negotiation. That is 1858 01:36:10.119 --> 01:36:11.880 that is describing a scope of work. 1859 01:36:12.159 --> 01:36:14.600 I mean, certainly you can see the difference between negotiating 1860 01:36:14.680 --> 01:36:16.560 the price and negotiating the scope. 1861 01:36:16.680 --> 01:36:19.000 But like Genesis does all that, if they if they 1862 01:36:19.079 --> 01:36:21.000 come out there, they're going to look at the siding, 1863 01:36:21.159 --> 01:36:23.800 the deck, the roof. They're going to negotiate with the 1864 01:36:24.039 --> 01:36:27.399 with the insurance company. F the adjustion has to work 1865 01:36:27.479 --> 01:36:29.199 if well, hold on, hold on. 1866 01:36:29.760 --> 01:36:33.439 If Mark Schamansky says to them it needs siding, and 1867 01:36:33.600 --> 01:36:36.479 this is how much it is, and and the adjuster says, 1868 01:36:36.800 --> 01:36:39.800 we only pay this much, and then they start negotiating. 1869 01:36:39.840 --> 01:36:42.840 But if the adjuster says how much for the siding, 1870 01:36:42.960 --> 01:36:45.000 and Mark gives them a price and they agree to it, 1871 01:36:45.159 --> 01:36:48.319 that's not negotiating there is a there is a world 1872 01:36:48.399 --> 01:36:53.159 of difference between scope and price and negotiation. There you 1873 01:36:53.359 --> 01:36:57.119 can't negotiate to get more money for the homeowner. I mean, 1874 01:36:57.199 --> 01:36:58.199 that's what this is saying. 1875 01:36:58.319 --> 01:37:02.479 Again, if this is right, I'm reading this, adjust think 1876 01:37:02.520 --> 01:37:05.039 I am too. I think I am too. Listen to this. 1877 01:37:05.560 --> 01:37:08.880 Colorado is one of sixteen states that do not license 1878 01:37:09.359 --> 01:37:13.199 insurance adjusters. I understand we're talking about public adjusters, but 1879 01:37:13.319 --> 01:37:16.439 I am curious why you would have to be licensed 1880 01:37:16.560 --> 01:37:20.039 as a insurance adjuster working for all state to try 1881 01:37:20.079 --> 01:37:22.720 to get the price down when you wouldn't have to 1882 01:37:22.800 --> 01:37:25.159 be for working for me as a homeowner to get 1883 01:37:25.199 --> 01:37:25.800 the price up. 1884 01:37:26.000 --> 01:37:28.279 I find that very interesting, Mark, Mark. 1885 01:37:28.920 --> 01:37:32.520 It's got a whole section on public adjusters exams. 1886 01:37:33.119 --> 01:37:35.600 I mean, you know, I don't. I mean, look at 1887 01:37:35.640 --> 01:37:37.239 if you don't. If you're telling me they don't have 1888 01:37:37.319 --> 01:37:37.520 to be. 1889 01:37:37.560 --> 01:37:40.159 Licensed in Colorado, that's not what I'm telling you. I'll 1890 01:37:40.199 --> 01:37:41.479 go back to exactly what I said. 1891 01:37:41.840 --> 01:37:42.319 I don't. 1892 01:37:42.399 --> 01:37:45.680 I think if you need to be it's inconsistent. You're saying, 1893 01:37:45.760 --> 01:37:47.000 why can I work. 1894 01:37:46.840 --> 01:37:48.520 For an insurance I'm fan I could go out and 1895 01:37:48.600 --> 01:37:50.880 do what Matt does right now, not get in any trouble. 1896 01:37:50.960 --> 01:37:56.039 That's what I'm saying. All right, Well, according to this website, 1897 01:37:56.079 --> 01:37:57.920 you can, but I would love that. I kind of 1898 01:37:57.960 --> 01:38:00.880 wish we could get his ass on I know, I 1899 01:38:01.000 --> 01:38:03.800 know it, or any public adjuster call a public adjuster 1900 01:38:03.840 --> 01:38:04.720 for guyse so I know. 1901 01:38:04.760 --> 01:38:07.479 Who, you know who we could reach out to, because 1902 01:38:07.520 --> 01:38:11.640 in his former life he did it. Doc not not doc, 1903 01:38:11.880 --> 01:38:15.000 deputy doc. You know who I'm talking about. Joel Joe. 1904 01:38:16.039 --> 01:38:20.720 Oh, you're absolutely right. Let's call him. Let's call Joel 1905 01:38:21.079 --> 01:38:22.520 from doctor Joel. 1906 01:38:22.680 --> 01:38:25.079 Yeah, yeah, we will three oh three seven one three 1907 01:38:25.279 --> 01:38:28.039 eight two five five more coming up on the Troubleshooter Show. 1908 01:38:28.079 --> 01:38:30.520 Eight eight eight Heating dot Com. They will look at 1909 01:38:30.560 --> 01:38:32.600 your air conditioner and heater. They can help you. 1910 01:38:33.119 --> 01:38:35.840 They are honest, they are great people, and they have 1911 01:38:35.960 --> 01:38:39.560 high efficiency systems that work off a hybrid system with electricity. 1912 01:38:39.600 --> 01:38:41.880 If you have a solar system, that's eight eight eight 1913 01:38:42.000 --> 01:38:45.359 Heating dot Com seven seven zero two seven seven six 1914 01:38:51.800 --> 01:38:55.039 Go with a sure thing Denver's Best roofer Excel Roofing 1915 01:38:55.159 --> 01:38:57.800 dot Com. You don't pay a cent until you're content. 1916 01:39:01.199 --> 01:39:04.319 Time for an insurance check up free, no obligation. In comparison, 1917 01:39:04.479 --> 01:39:08.039 call Compass Insurance paying too much your coverage at dozens 1918 01:39:08.079 --> 01:39:09.039 of insurance companies. 1919 01:39:09.159 --> 01:39:11.720 Find out now three oh three seven seven to one help. 1920 01:39:11.920 --> 01:39:14.560 You'll think you're his only customer when you choose Frank 1921 01:39:14.640 --> 01:39:17.039 durand the real estate man dot com to list your 1922 01:39:17.119 --> 01:39:20.199 home with Remax Alliance three oh three nine two zero 1923 01:39:20.359 --> 01:39:29.680 sixteen twenty two high Tom Martino your troubleshooter three oh 1924 01:39:29.800 --> 01:39:33.199 three seven one three talk three oh three seven one 1925 01:39:33.319 --> 01:39:36.359 three eight two five five or three oh three Martino 1926 01:39:36.439 --> 01:39:36.840 three oh. 1927 01:39:36.760 --> 01:39:39.640 Three sixt two seven eight four sixty six. 1928 01:39:40.439 --> 01:39:43.960 I want to talk to Joel Cherdak, who, by the way, 1929 01:39:44.439 --> 01:39:47.760 he's an entrepreneur, has a number of a number of businesses. 1930 01:39:47.840 --> 01:39:49.560 Of course we deal with him on all of them, 1931 01:39:50.079 --> 01:39:55.560 and uh he he is a public adjuster as well, Joel. 1932 01:39:56.840 --> 01:39:58.399 We we have a question here. Man. 1933 01:39:58.560 --> 01:40:02.079 This is some condy actor went to a woman's house, 1934 01:40:02.119 --> 01:40:04.680 and man, it sounds a lot like he's negotiating claims 1935 01:40:04.720 --> 01:40:05.079 and stuff. 1936 01:40:05.119 --> 01:40:06.640 And I want to know. I just want to know, 1937 01:40:06.760 --> 01:40:09.720 very simply, what is the licensing requirement in Colorado for 1938 01:40:09.800 --> 01:40:10.600 a public adjuster. 1939 01:40:11.720 --> 01:40:15.239 The licensing requirement is that you need to pass the 1940 01:40:15.319 --> 01:40:18.439 state board examination in order to be licensed as a 1941 01:40:18.479 --> 01:40:20.079 public adjuster, and. 1942 01:40:20.199 --> 01:40:21.880 What does that allow you to do as a public 1943 01:40:21.920 --> 01:40:23.640 adjuster that a contractor can't do. 1944 01:40:24.760 --> 01:40:28.920 Well, you're allowed to discuss the terms of the policy 1945 01:40:29.399 --> 01:40:32.600 with the insurance adjuster on the insurance side, whereas the 1946 01:40:32.680 --> 01:40:37.800 contractor isn't isn't allowed to discuss the terms of the policy. So, 1947 01:40:38.319 --> 01:40:41.000 for example, when there's an argument over whether the policy 1948 01:40:41.640 --> 01:40:46.640 excludes something or allows something, typically can't be involved in 1949 01:40:46.760 --> 01:40:50.880 a conversation. The public adjuster has been training and the 1950 01:40:51.000 --> 01:40:54.600 knowledge to be able to make those arguments, you know, 1951 01:40:54.880 --> 01:40:57.920 especially when you're adding on things to your policy. Uh, 1952 01:40:58.159 --> 01:41:01.520 you know, extra coverages, things, a loss of the use. 1953 01:41:01.600 --> 01:41:06.279 There's certain things that oftentimes the carrier may say are covered, 1954 01:41:06.359 --> 01:41:08.760 but when you read the actual language of the policy 1955 01:41:09.159 --> 01:41:11.119 you see that it is. But it's a public adjusters 1956 01:41:11.159 --> 01:41:12.680 shop to be able to make those arguments. 1957 01:41:12.920 --> 01:41:16.159 Oh so a contractor then correct me if I'm wrong. 1958 01:41:16.439 --> 01:41:19.119 A contractor would be able to go to a homeowner 1959 01:41:19.600 --> 01:41:22.680 and say I want to handle your work. I'll meet 1960 01:41:22.720 --> 01:41:25.159 with the adjuster. They can meet with the adjuster. They 1961 01:41:25.199 --> 01:41:27.800 can say, look, we believe they need this roof and 1962 01:41:27.880 --> 01:41:30.800 it's going to cost this much, and the adjuster says no, 1963 01:41:30.920 --> 01:41:32.880 it should be a little less than that, and they 1964 01:41:32.960 --> 01:41:35.720 can argue price and conditions and all of that as 1965 01:41:35.840 --> 01:41:39.760 far as what a contractor believes the homeowner needs. 1966 01:41:41.479 --> 01:41:44.399 Yes, okay, you know here, here's a good. 1967 01:41:47.640 --> 01:41:49.119 Will exclude. 1968 01:41:51.479 --> 01:41:56.079 So for more than all right, he's cutting out. Yes, 1969 01:41:56.159 --> 01:41:57.119 say that again, Joel. 1970 01:41:58.119 --> 01:41:59.199 So can you hear me, Tom? 1971 01:41:59.319 --> 01:42:01.680 Yeah, now we can hear you. Better go ahead. Okay. 1972 01:42:01.760 --> 01:42:02.760 So here's a good example. 1973 01:42:02.840 --> 01:42:06.960 Let's say we'll say they won't cover a water loss 1974 01:42:07.039 --> 01:42:09.680 and it's a slow occurring of a course of more 1975 01:42:09.720 --> 01:42:10.439 than two weeks. 1976 01:42:10.880 --> 01:42:13.239 Yeah, and I'm so committing. 1977 01:42:13.279 --> 01:42:14.760 And if they seem like a little bit of mold, 1978 01:42:14.840 --> 01:42:15.159 we'll say it. 1979 01:42:15.199 --> 01:42:19.359 They'll say about this is an old week, right, okay, 1980 01:42:20.199 --> 01:42:21.800 And then you know the. 1981 01:42:25.960 --> 01:42:29.239 Sounds like once they acknowledge coverage on a particular item, 1982 01:42:29.479 --> 01:42:31.760 here are the contractors free to do whatever they want. 1983 01:42:31.880 --> 01:42:33.720 So I totally misunderstood. 1984 01:42:33.760 --> 01:42:38.479 I totally misunderstood the term negotiation from this from my AI. 1985 01:42:38.680 --> 01:42:41.560 They said, you know that contractors aren't allowed to negotiate. 1986 01:42:41.640 --> 01:42:44.680 I know exactly what you're talking about. They can't negotiate terms. 1987 01:42:44.880 --> 01:42:47.960 They can, yes, they can. 1988 01:42:48.279 --> 01:42:53.800 They can't negotiate terms of the policy like actual coverage. Yeah, okay, well, 1989 01:42:53.920 --> 01:42:56.640 thank you Jaell that that now, in addition, of course 1990 01:42:56.680 --> 01:43:01.119 to being a public adjuster, they also do stem cell therapy, 1991 01:43:01.239 --> 01:43:04.199 which I can't say enough about it. It's just wonderful. 1992 01:43:04.319 --> 01:43:06.640 And they do it on a budget. 1993 01:43:06.720 --> 01:43:08.720 They really do, I mean, compared to the rest that 1994 01:43:08.800 --> 01:43:12.000 I've compared. Denver Regen dot com. I appreciate it, Joel, 1995 01:43:12.079 --> 01:43:17.920 thank you? All right, all right, Denverregen dot com. All right, 1996 01:43:19.199 --> 01:43:20.560 I don't believe I owe you at break? 1997 01:43:20.680 --> 01:43:22.439 Do I do it? 1998 01:43:22.600 --> 01:43:25.479 Well, whether you owe it or not, we're going to 1999 01:43:25.560 --> 01:43:27.560 break what in a minute? 2000 01:43:27.800 --> 01:43:30.920 Oh yeah, John Fuller, real quick here, somebody wants to 2001 01:43:31.039 --> 01:43:33.439 know as far as negotiating. 2002 01:43:33.600 --> 01:43:35.960 Now, I've never heard that. Well, maybe we've heard this question. 2003 01:43:36.760 --> 01:43:38.439 What would be wrong with them going as far as 2004 01:43:38.479 --> 01:43:40.720 they think they can with their insurance and then hiring 2005 01:43:40.800 --> 01:43:41.920 you if they don't like the result. 2006 01:43:42.960 --> 01:43:43.800 This is a text. 2007 01:43:44.359 --> 01:43:46.840 Yeah, everything up to that point is what could be 2008 01:43:46.920 --> 01:43:47.439 wrong with that? 2009 01:43:49.319 --> 01:43:49.640 Listen. 2010 01:43:49.800 --> 01:43:52.359 I'm not going to sit here and tell you that 2011 01:43:52.520 --> 01:43:55.279 you can't do that, and clearly many many people have, 2012 01:43:55.800 --> 01:43:58.239 but I have told you and everybody that will listen 2013 01:43:58.279 --> 01:44:00.279 that I think I can improve the value you have. 2014 01:44:00.319 --> 01:44:02.920 A Personal injury claim by as much as twenty or 2015 01:44:02.960 --> 01:44:05.520 thirty percent of what goes into the person's party are 2016 01:44:05.600 --> 01:44:08.600 into their pocket based on what I do in the 2017 01:44:08.680 --> 01:44:10.880 first week or two of the claim. That has nothing 2018 01:44:10.920 --> 01:44:14.079 to do with negotiating, just in setting the claim up 2019 01:44:14.199 --> 01:44:17.399 properly and making sure that the insurance companies pay the 2020 01:44:17.600 --> 01:44:20.279 way and in the order that they're supposed to. So 2021 01:44:20.560 --> 01:44:22.640 you do it yourself all you want, but you do 2022 01:44:22.760 --> 01:44:23.760 it at your own risk. 2023 01:44:24.960 --> 01:44:25.680 Thank you very much. 2024 01:44:25.720 --> 01:44:28.520 We've got more coming up on The Troubleshooter Show. Three 2025 01:44:28.600 --> 01:44:31.079 o three seven one three Talk or three oh three 2026 01:44:31.119 --> 01:44:32.279 Martino three oh three. 2027 01:44:32.239 --> 01:44:33.960 Six two seventy four sixty six. 2028 01:44:37.000 --> 01:44:40.239 Go with a sure thing Denver's Best roofer Excel Roofing 2029 01:44:40.359 --> 01:44:43.000 dot com. You don't pay a cent until you're content. 2030 01:44:44.600 --> 01:44:49.520 Please time for an insurance checkup free, no obligation. In comparison, 2031 01:44:49.720 --> 01:44:53.239 call Compass Insurance paying too much your coverage at dozens 2032 01:44:53.279 --> 01:44:56.000 of insurance companies find out now three oh three seven 2033 01:44:56.000 --> 01:44:58.319 to seven to one help. You'll think you're his only 2034 01:44:58.479 --> 01:45:00.640 customer when you choose Frank to and the real estate 2035 01:45:00.760 --> 01:45:03.960 Man dot com to list your home with Remax Alliance 2036 01:45:04.239 --> 01:45:06.520 three oh three nine two zero sixteen twenty two. 2037 01:45:07.239 --> 01:45:12.560 Yeah, ripped. 2038 01:45:14.239 --> 01:45:17.199 News didn't need advice, so you don't have. 2039 01:45:19.479 --> 01:45:21.840 Come running. Just as fast as we can. 2040 01:45:23.159 --> 01:45:25.279 Shooter's gonna help coming. 2041 01:45:25.680 --> 01:45:25.800 Man. 2042 01:45:26.640 --> 01:45:32.600 This is the Troubleshooter Show now, Tom Martine, Hi, Tom 2043 01:45:32.680 --> 01:45:34.319 Martino here, Welcome to the show. 2044 01:45:34.359 --> 01:45:36.800 Three oh three seven one three talks seven one three 2045 01:45:37.000 --> 01:45:38.199 eight two five five. 2046 01:45:39.520 --> 01:45:41.720 What's going on in your life? Well, we had a 2047 01:45:41.800 --> 01:45:44.199 call earlier in the hour and or earlier in. 2048 01:45:44.239 --> 01:45:48.119 The show, and we had Kathy call and said that 2049 01:45:48.920 --> 01:45:51.399 she felt like she was tricked into signing a contract. 2050 01:45:51.479 --> 01:45:52.880 The contract was all inclusive. 2051 01:45:52.920 --> 01:45:55.960 They said, Hey, it's just so we can contact your 2052 01:45:56.000 --> 01:46:00.680 insurance company and whatever. I mean, it clearly showed way 2053 01:46:01.520 --> 01:46:04.159 way more than that, and I have to admit it 2054 01:46:04.279 --> 01:46:07.119 was pretty clear they were going to do everything. There 2055 01:46:07.159 --> 01:46:10.920 were no specifications now, just saying that they had the 2056 01:46:11.039 --> 01:46:13.000 right to negotiate and they had the right to do 2057 01:46:13.119 --> 01:46:15.680 all of this. There were no prices even, which is 2058 01:46:15.800 --> 01:46:20.520 weird because technically roofing contracts in Colorado are required to 2059 01:46:20.560 --> 01:46:24.680 have a price, required to have a penalty, clauses if any, 2060 01:46:25.119 --> 01:46:28.039 required to have her three day right to rescind, required 2061 01:46:28.079 --> 01:46:30.239 to have all kinds of things. This didn't have now 2062 01:46:30.319 --> 01:46:33.279 they could argue, well, it wasn't really a roofing contract, 2063 01:46:33.319 --> 01:46:37.159 it's a general general contractors contract. But I don't know 2064 01:46:37.159 --> 01:46:39.720 if they can get around it. Well, that responded, I 2065 01:46:39.880 --> 01:46:42.680 understand that. That's why I'm giving the recap. And then 2066 01:46:42.880 --> 01:46:47.439 also they basically so they had her sign it and 2067 01:46:47.880 --> 01:46:52.920 there's nothing about details, materials, needed. 2068 01:46:52.800 --> 01:46:54.279 Anything, anything at all. 2069 01:46:55.560 --> 01:46:58.600 It was basically a contract to gather all of that 2070 01:46:59.079 --> 01:47:01.680 and to have exclude of rights to do the work. 2071 01:47:03.119 --> 01:47:06.399 And Kathy, we told you it seemed a little weird. 2072 01:47:07.079 --> 01:47:10.039 And our attorney, John Fuller today, our personal injury expert, 2073 01:47:10.119 --> 01:47:13.079 he said, you know, reading it as a contract, there's 2074 01:47:13.239 --> 01:47:15.960 so many things left out of this thing that I 2075 01:47:16.039 --> 01:47:17.359 don't see how they can enforce it. 2076 01:47:17.560 --> 01:47:19.520 So what And we told you to call them or 2077 01:47:19.560 --> 01:47:21.359 to email them and cancel it. What happened. 2078 01:47:22.760 --> 01:47:25.479 Oh, I sent them an email with a list of 2079 01:47:25.640 --> 01:47:27.640 you know, just some of the things, John Fuller said, 2080 01:47:27.840 --> 01:47:31.479 And they have replied back it says, it's not we 2081 01:47:31.560 --> 01:47:34.640 don't have a contract. It's just a contingency to work 2082 01:47:34.720 --> 01:47:38.039 with you and your insurance adjuster to do the adjustment. 2083 01:47:39.000 --> 01:47:42.920 That's that is so crazy. Then tell them you want 2084 01:47:42.920 --> 01:47:46.159 to rescind that Well, they're not saying no, I'm reading it. 2085 01:47:46.239 --> 01:47:48.119 They're saying, look, you have no contract. 2086 01:47:48.199 --> 01:47:50.479 If you don't want to use this, you simply are 2087 01:47:50.560 --> 01:47:53.439 going to have to deal with your insurance agent or 2088 01:47:53.479 --> 01:47:55.560 I'm not agent, but adjuster yourself. 2089 01:47:56.720 --> 01:47:59.039 Does it say that in the agreement, Yeah, it says 2090 01:47:59.119 --> 01:48:02.039 exactly that. Well, it says that in their reply. Oh, 2091 01:48:02.119 --> 01:48:06.119 in their reply. But wait a minute, but what about 2092 01:48:06.159 --> 01:48:06.720 doing the work. 2093 01:48:07.199 --> 01:48:11.000 They're saying there is no contract yet they lay this out. Okay, 2094 01:48:11.079 --> 01:48:13.760 now there's no contract. We're going to help you get 2095 01:48:13.800 --> 01:48:16.319 the most we can and get everything covered. We think, 2096 01:48:16.560 --> 01:48:20.399 I'm paraphrasing that we can get covered after that, once 2097 01:48:20.479 --> 01:48:22.880 we know what they're going to pay for, we'll get 2098 01:48:22.920 --> 01:48:25.560 a contract that you'll sign for us to do the work. 2099 01:48:26.039 --> 01:48:28.199 Well that there's nothing wrong with that, but I would 2100 01:48:28.239 --> 01:48:31.119 still say, just to be safe, John, I don't know 2101 01:48:31.199 --> 01:48:33.479 how you feel that. I want to resind that and 2102 01:48:33.560 --> 01:48:35.680 I want to I want to hire a public adjuster. 2103 01:48:37.039 --> 01:48:40.720 Yeah, that would be my preference. I would certainly want 2104 01:48:40.760 --> 01:48:44.680 to either do it myself or have a fiduciary working 2105 01:48:44.760 --> 01:48:47.079 on my behalf. In that respect, I. 2106 01:48:47.119 --> 01:48:49.439 Don't know what there's really to resin though. 2107 01:48:49.680 --> 01:48:53.479 After they reply, and this for send the authority to 2108 01:48:53.960 --> 01:48:56.560 send the authority to do anything that they felt like 2109 01:48:56.680 --> 01:48:58.119 they had under that agreement. 2110 01:48:58.319 --> 01:49:00.600 Exactly what I'm saying is if you read the response, 2111 01:49:00.640 --> 01:49:03.319 so they're basically saying there is no agreement, yeah, but 2112 01:49:03.680 --> 01:49:04.439 in the contract. 2113 01:49:04.479 --> 01:49:06.920 But they are saying they're still going to negotiate. 2114 01:49:07.079 --> 01:49:09.000 Yeah, And so that would be the end of that. 2115 01:49:09.920 --> 01:49:12.399 There is no agreement and now you have no authority. 2116 01:49:12.439 --> 01:49:16.640 It's been revoked. Just simply say I hereby revoked the 2117 01:49:16.720 --> 01:49:19.000 agreement that was found on this date between A and B. 2118 01:49:19.199 --> 01:49:21.199 I get you, I guess you, and thank you for 2119 01:49:21.279 --> 01:49:21.720 your time. 2120 01:49:21.960 --> 01:49:22.239 Move on. 2121 01:49:24.359 --> 01:49:25.920 That's what I would do. I would say. 2122 01:49:26.399 --> 01:49:30.039 I would say, I appreciate you acknowledging I have no contract. 2123 01:49:30.399 --> 01:49:33.359 I also want to rescind this agreement which gives you 2124 01:49:33.399 --> 01:49:35.239 authority to negotiate on my behalf. 2125 01:49:35.880 --> 01:49:39.800 That's what I would do. Makes sense. 2126 01:49:40.880 --> 01:49:44.479 Yeah, it's a scary I mean, does Excel put stuff 2127 01:49:44.520 --> 01:49:44.840 out there? 2128 01:49:45.159 --> 01:49:49.199 No, no, never, never ever ever ever and when you 2129 01:49:49.479 --> 01:49:52.079 contact them, you'll you'll notice the difference immediately. 2130 01:49:53.119 --> 01:49:54.399 Excelroofing dot com. 2131 01:49:54.479 --> 01:49:57.359 By the way, you want Matt with Paragon Services to 2132 01:49:57.560 --> 01:49:59.439 fight with your insurance company that's. 2133 01:49:59.359 --> 01:50:01.600 Right, but also so for a roofer, there's no question 2134 01:50:01.760 --> 01:50:04.520 excelroofing dot com absolutely, and it doesn't matter if you call, 2135 01:50:04.720 --> 01:50:07.199 if you can contact both, they don't interfere with each other. 2136 01:50:07.680 --> 01:50:13.119 And Excel is three oh three seven sixty one sixty 2137 01:50:13.199 --> 01:50:13.840 four hundred. 2138 01:50:14.319 --> 01:50:17.880 Now did we give her the number four? Did we 2139 01:50:18.000 --> 01:50:22.199 give her the number for Matt? No, we haven't. Let's 2140 01:50:22.279 --> 01:50:22.479 do that. 2141 01:50:22.680 --> 01:50:25.119 Look that up for me, Mark if you could, and 2142 01:50:25.199 --> 01:50:27.680 then and you take this number down and then you'll 2143 01:50:27.720 --> 01:50:31.239 be covered. Now, not everyone needs a public adjuster, but 2144 01:50:31.359 --> 01:50:32.159 you know Pat. 2145 01:50:32.000 --> 01:50:34.479 Also, I mean Matt, let me give this real quick 2146 01:50:34.600 --> 01:50:39.319 seven nine seven two six zero zero twenty. 2147 01:50:40.760 --> 01:50:43.279 And I should mention this. Matt will tell you if 2148 01:50:43.319 --> 01:50:45.239 you really need him or not. He'll never take a 2149 01:50:45.319 --> 01:50:48.000 job if he doesn't think you need him. He doesn't, 2150 01:50:48.079 --> 01:50:50.000 he says, you know what you can do this? Oh, 2151 01:50:50.079 --> 01:50:51.479 you just have a roof call excels. 2152 01:50:51.640 --> 01:50:54.880 Generally, where a public adjuster starts pulling their own weight, 2153 01:50:55.399 --> 01:50:58.199 not only will they get you all the dollars your 2154 01:50:58.279 --> 01:51:03.119 insurance company contractually, but there's another there's another basis to it. 2155 01:51:03.199 --> 01:51:06.079 When there's more than three things going on. So let's 2156 01:51:06.119 --> 01:51:09.720 say you need landscaping work or a landscaper. You need 2157 01:51:09.760 --> 01:51:12.439 a roofer and you need a siding guy. When you 2158 01:51:12.520 --> 01:51:16.079 have more than three. Most of those insurance contracts agree 2159 01:51:16.159 --> 01:51:20.199 to pay ten percent overhead and profit to somebody. So 2160 01:51:20.399 --> 01:51:22.279 that's one of the things that you can work through 2161 01:51:22.359 --> 01:51:22.720 with Matt. 2162 01:51:25.000 --> 01:51:29.199 Now, John Fuller, I got a text here. 2163 01:51:31.159 --> 01:51:31.279 There. 2164 01:51:31.720 --> 01:51:32.520 This is crazy. 2165 01:51:32.720 --> 01:51:34.720 I don't know what kind of a doctor. Their doctor says, 2166 01:51:34.760 --> 01:51:36.520 even though they don't have symptoms. Now they went to 2167 01:51:36.600 --> 01:51:39.159 a doctor because they got in an accident. They said, 2168 01:51:39.199 --> 01:51:41.239 even though you have symptoms, you don't have symptoms. 2169 01:51:41.279 --> 01:51:43.960 Now this is something that could act up in the 2170 01:51:44.039 --> 01:51:47.640 future because I see some damage. What does that mean, John, 2171 01:51:47.720 --> 01:51:48.960 what do you do in a case like that? 2172 01:51:50.920 --> 01:51:56.600 Well, in legal you know jargon if you will. Yeah, 2173 01:51:56.800 --> 01:52:00.880 the ad fall party is responsible for all of their damages. 2174 01:52:01.199 --> 01:52:05.079 And and yet you have the burden of proving those 2175 01:52:05.159 --> 01:52:09.199 damages right, and so your burden of proof is, you know, 2176 01:52:09.359 --> 01:52:14.560 to determine what which damages There is a you know, 2177 01:52:14.840 --> 01:52:19.760 more likely than not probability of them occurring in the future. 2178 01:52:20.359 --> 01:52:24.439 It's not possibility, it's probability. And so one way to 2179 01:52:24.520 --> 01:52:27.239 think about it is, unless there's more than a fifty 2180 01:52:27.279 --> 01:52:30.399 percent chance that something happens down the road. It's just 2181 01:52:30.520 --> 01:52:33.279 a possibility, and the defendant is not going to be 2182 01:52:33.359 --> 01:52:36.439 on the hook for it. But you bear that responsibility 2183 01:52:36.479 --> 01:52:39.199 to prove that. So we always deal with the difference 2184 01:52:39.239 --> 01:52:41.600 between possibility and probability. 2185 01:52:43.119 --> 01:52:46.640 Okay. And so without symptoms, you'd have a tough time 2186 01:52:46.680 --> 01:52:47.960 getting anything at this point. 2187 01:52:47.880 --> 01:52:50.880 Right, it sounds really close to a possibility to me. 2188 01:52:51.279 --> 01:52:54.520 And you know they're going to hold you to your 2189 01:52:54.560 --> 01:52:55.279 burden of proof. 2190 01:52:55.840 --> 01:52:59.920 Okay, all right, three L three seven one three eight two, 2191 01:53:00.199 --> 01:53:04.560 five to five. Michelle? Is this another issue? 2192 01:53:04.840 --> 01:53:05.039 Yeah? 2193 01:53:05.600 --> 01:53:12.720 Another roofing issue? Go ahead, Michelle, Michelle, are you there? 2194 01:53:13.319 --> 01:53:13.640 Fine? 2195 01:53:13.720 --> 01:53:14.439 What's happening? 2196 01:53:16.199 --> 01:53:20.199 I had a roofer come and fix my roof and 2197 01:53:20.640 --> 01:53:21.840 it was kind of a nightmare. 2198 01:53:22.760 --> 01:53:25.960 Now was this Was this as a result of storm damage? 2199 01:53:26.079 --> 01:53:27.720 Was it replaced in your roof? Okay? 2200 01:53:28.239 --> 01:53:31.359 Okay damage? It was the insurance claim. He came, had 2201 01:53:31.439 --> 01:53:33.800 his men come and fix it, and when he got done, 2202 01:53:33.880 --> 01:53:36.840 he left holes in my awning. He just put boards 2203 01:53:36.880 --> 01:53:41.279 over it, and my awning still a leaks, very bad. 2204 01:53:41.960 --> 01:53:44.760 And then I started smelling some. 2205 01:53:45.399 --> 01:53:48.680 Now, your insurance paid for this, right, I have. 2206 01:53:49.119 --> 01:53:50.960 The checks for it. I have never cashed him. I 2207 01:53:51.039 --> 01:53:55.039 have not paid them. I smelt something as if it 2208 01:53:55.159 --> 01:53:57.000 was a leak in my roof. I got up in 2209 01:53:57.039 --> 01:54:02.199 the attic. The roofers put whole in my roof. So 2210 01:54:02.600 --> 01:54:05.279 whenever it has any kind of storm coming in, it 2211 01:54:05.399 --> 01:54:07.439 comes into my roof, it has not leaked all the 2212 01:54:07.479 --> 01:54:08.680 way through into that. 2213 01:54:08.800 --> 01:54:11.680 Okay, So the big problems that you so the roof 2214 01:54:11.880 --> 01:54:15.960 was done, but the big problems now are. 2215 01:54:15.920 --> 01:54:17.319 These areas you're outlining? 2216 01:54:18.279 --> 01:54:18.600 Correct? 2217 01:54:19.279 --> 01:54:21.079 Okay? What do they say about that? 2218 01:54:22.840 --> 01:54:25.079 They I kept asking them to come and fix. 2219 01:54:24.960 --> 01:54:31.600 It, and they and specifically specifically fix it. You describe 2220 01:54:31.680 --> 01:54:34.159 more than it. So what are you talking about when 2221 01:54:34.199 --> 01:54:36.159 you say it? Do you know right where the problem is? 2222 01:54:37.000 --> 01:54:37.159 Yes? 2223 01:54:37.840 --> 01:54:41.439 I have, Okay, Like where specifically if they had. 2224 01:54:41.359 --> 01:54:43.399 To fix it, like what is it, it would be 2225 01:54:43.560 --> 01:54:45.520 on the awning and it would awesome. 2226 01:54:45.560 --> 01:54:47.800 And that's the only part the hole in the awning 2227 01:54:47.880 --> 01:54:48.319 they put in. 2228 01:54:48.479 --> 01:54:50.840 Right, there's two holes in the awning, and it's the 2229 01:54:50.920 --> 01:54:53.840 awning is still leaking. I have video coverage of that. 2230 01:54:54.319 --> 01:54:56.199 But it's leaking because of the holes. 2231 01:54:56.319 --> 01:55:01.159 Right, it's leaking because of the holes, but it's also 2232 01:55:01.359 --> 01:55:05.279 leaking where it was leaking originally. It wasn't fixed properly. 2233 01:55:05.560 --> 01:55:08.560 Now when you say originally, what does that mean? When 2234 01:55:08.600 --> 01:55:10.880 you had hail, you started having leaks? 2235 01:55:11.680 --> 01:55:12.000 Correct? 2236 01:55:12.520 --> 01:55:15.840 And where were those leaks that weren't fixed? They weren't 2237 01:55:15.840 --> 01:55:17.000 in the holes? Where were they? 2238 01:55:18.159 --> 01:55:20.119 They were on the awning. That's where it was mainly 2239 01:55:20.239 --> 01:55:21.680 leaking on that part. 2240 01:55:21.760 --> 01:55:24.000 But the roof needed to be on the main I mean, 2241 01:55:24.279 --> 01:55:26.039 do you mean I get it, your roof had to 2242 01:55:26.079 --> 01:55:28.159 be replaced, but the awning was leaking. But I don't 2243 01:55:28.199 --> 01:55:30.880 get where the awning was leaking, Like, is it? 2244 01:55:31.239 --> 01:55:32.279 What kind of awning is it? 2245 01:55:34.159 --> 01:55:35.159 It's over the patio. 2246 01:55:35.560 --> 01:55:39.159 Is it a canvas or tin or aluminum or what? No, 2247 01:55:39.399 --> 01:55:42.560 it's wood, a wood awning? 2248 01:55:43.479 --> 01:55:43.800 Correct? 2249 01:55:44.359 --> 01:55:48.119 Do you mean like a roof? Yes, a wood. 2250 01:55:48.800 --> 01:55:50.680 What they're considering it is to be an awning. 2251 01:55:51.640 --> 01:55:56.840 Okay, over your patio? Correct? Okay, so it's basically your 2252 01:55:56.880 --> 01:55:57.520 patio roof. 2253 01:55:57.840 --> 01:56:00.560 Okay, And that was okay, got it? So what did 2254 01:56:00.600 --> 01:56:02.880 they What did they put on top of that patio 2255 01:56:03.039 --> 01:56:05.239 roof to fix it? Was that also roof shingles? 2256 01:56:06.159 --> 01:56:06.359 Yes? 2257 01:56:07.039 --> 01:56:10.560 Okay, so it's okay, So now they simply have to 2258 01:56:10.640 --> 01:56:13.079 fix it. How did they put holes in it? I 2259 01:56:13.119 --> 01:56:14.760 don't get it if they put a new roof on it, 2260 01:56:14.840 --> 01:56:15.439 how they put. 2261 01:56:15.640 --> 01:56:20.680 They were walking over. They did not put new OSB boarding. 2262 01:56:20.880 --> 01:56:23.600 They did not put new decking on it, right, okay? 2263 01:56:24.399 --> 01:56:27.399 Did they charge for new Did they charge for new decking? 2264 01:56:30.000 --> 01:56:30.199 Yes? 2265 01:56:32.199 --> 01:56:32.520 Okay. 2266 01:56:32.680 --> 01:56:34.840 And when they were walking they put hole They ended 2267 01:56:34.920 --> 01:56:36.319 up walking and putting holes in it. 2268 01:56:38.039 --> 01:56:41.119 Okay. And they won't fix it. 2269 01:56:42.000 --> 01:56:44.560 No, they just put a board. They said, that's good enough. 2270 01:56:45.560 --> 01:56:47.199 Now, what do you mean put a board on top 2271 01:56:47.279 --> 01:56:49.279 of the roof or underneath the shingles. 2272 01:56:50.000 --> 01:56:50.840 Underneath the shingles. 2273 01:56:52.079 --> 01:56:55.199 So they patched, corrected. 2274 01:56:55.760 --> 01:56:59.159 But okay, okay, but the dude, let's figure out how 2275 01:56:59.159 --> 01:57:01.119 we're going to handle this. Tom Martino three oh three 2276 01:57:01.239 --> 01:57:03.279 seven one three talks seven one three eight two five 2277 01:57:03.399 --> 01:57:04.840 five Compass Insurance. 2278 01:57:04.880 --> 01:57:06.359 By the way, while we're speaking. 2279 01:57:06.039 --> 01:57:08.880 About insurance, they do insurance checkups free for the asking 2280 01:57:08.960 --> 01:57:10.960 to see you're not making too you're not paying too 2281 01:57:11.039 --> 01:57:13.840 much for your coverage, or if you're under insured, possibly 2282 01:57:13.920 --> 01:57:14.720 even over insured. 2283 01:57:14.720 --> 01:57:17.359 It's all free. Three oh three nine nine six nine thousand. 2284 01:57:23.720 --> 01:57:26.960 Go with a sure thing Denver's Best roofer Excel roofing 2285 01:57:27.079 --> 01:57:29.720 dot com. You don't pay a cent until you're content. 2286 01:57:33.079 --> 01:57:36.239 Time for an insurance check up free no obligation. In comparison, 2287 01:57:36.399 --> 01:57:39.960 call Compass Insurance paying too much your coverage at dozens 2288 01:57:40.000 --> 01:57:42.720 of insurance companies find out now three oh three seven 2289 01:57:42.720 --> 01:57:45.039 to seven to one help. You'll think you're his only 2290 01:57:45.159 --> 01:57:47.600 customer when you choose Frank durand the real estate man 2291 01:57:47.680 --> 01:57:51.079 dot com to list your home with Remax Alliance three 2292 01:57:51.159 --> 01:57:57.800 oh three nine two zero sixteen twenty two. Hi Tom 2293 01:57:57.880 --> 01:58:01.760 Martino here three oh three seven one three talks seven 2294 01:58:01.800 --> 01:58:06.159 one three A two five five. Let's continue and uh 2295 01:58:06.560 --> 01:58:12.720 do what it takes to solve problems. I uh on 2296 01:58:13.000 --> 01:58:17.159 Michelle here, we knew, I mean, this is this seems 2297 01:58:17.520 --> 01:58:21.319 silly to me. That did what did they simply say, no, 2298 01:58:21.399 --> 01:58:23.119 we're not going to fix it, or we fixed it 2299 01:58:23.239 --> 01:58:25.039 well enough because if it's not. 2300 01:58:26.520 --> 01:58:26.920 Go ahead. 2301 01:58:27.800 --> 01:58:30.159 They said that they fixed it well enough that the 2302 01:58:30.239 --> 01:58:32.279 board over the awning it's good enough. 2303 01:58:32.920 --> 01:58:35.000 Well, if they put the board, you keep saying the 2304 01:58:35.039 --> 01:58:36.600 board over the ironon. First of all, let's call it 2305 01:58:36.680 --> 01:58:37.880 a roof. I don't care what they call it. 2306 01:58:38.079 --> 01:58:38.560 That's a roof. 2307 01:58:39.159 --> 01:58:41.920 So the decking was bad where there were holes, they 2308 01:58:42.039 --> 01:58:45.039 put new decking. They put new decking there where they 2309 01:58:45.119 --> 01:58:46.920 had holes, so now no more holes? 2310 01:58:47.079 --> 01:58:51.399 Right, Well, the hole was still there. There's just a 2311 01:58:51.479 --> 01:58:52.439 board on top of it. 2312 01:58:53.319 --> 01:58:55.960 So they did not replace the board with a new board. 2313 01:58:56.079 --> 01:58:57.000 They just covered the. 2314 01:58:57.039 --> 01:58:59.199 Board with a new board. 2315 01:58:59.680 --> 01:59:02.359 Okay. If they covered the board with the new board, 2316 01:59:02.560 --> 01:59:03.840 they covered the holes. 2317 01:59:04.760 --> 01:59:08.079 With decking from top, from the top, not the bottom, 2318 01:59:08.439 --> 01:59:08.800 but not. 2319 01:59:09.000 --> 01:59:13.239 On Okay, Now listen carefully. You have plywood on top, 2320 01:59:13.720 --> 01:59:17.520 then you have shingles, right, correct. Did they put the 2321 01:59:17.760 --> 01:59:23.960 patch on top of the shingles or underneath the shingles under? Okay? 2322 01:59:24.520 --> 01:59:28.800 Now that's kind of shlock that they did not replace 2323 01:59:29.760 --> 01:59:31.479 the plywood that had holes in it. 2324 01:59:33.399 --> 01:59:35.960 And then put one on top of it instead of 2325 01:59:36.079 --> 01:59:36.920 just replacing it. 2326 01:59:37.760 --> 01:59:40.800 Because when you look at your roof then over the patio, 2327 01:59:41.199 --> 01:59:43.319 can you see the little bulge where they put a 2328 01:59:43.399 --> 01:59:44.039 board under it? 2329 01:59:45.199 --> 01:59:50.680 Yes, the wood is completely sticking down. The original board 2330 01:59:50.840 --> 01:59:54.640 that they put the hole in is sticking down, right, 2331 01:59:54.680 --> 01:59:55.640 you can see the hole. 2332 01:59:55.560 --> 01:59:57.560 And then the wood is hanging down. 2333 01:59:58.520 --> 02:00:03.720 Okay, slock, it's a slock. I can't make an excuse 2334 02:00:03.800 --> 02:00:06.720 for that. They should have just when they were Did 2335 02:00:06.800 --> 02:00:10.359 they charge your insurance for replacing the whole deck up there? 2336 02:00:10.920 --> 02:00:13.119 Or just that piece or they never mentioned it. 2337 02:00:14.000 --> 02:00:16.800 They never mentioned it, Okay, So right. 2338 02:00:16.760 --> 02:00:19.560 Now it all boils down to this. They need to 2339 02:00:19.680 --> 02:00:22.359 replace the broken board with a new board, not just 2340 02:00:22.439 --> 02:00:24.720 put one over it. But I have a question. I'm 2341 02:00:24.800 --> 02:00:29.479 very puzzled. How can walking on that roof poke holes 2342 02:00:29.520 --> 02:00:30.279 through the plywood? 2343 02:00:32.640 --> 02:00:34.600 They stated it was because it's rotten. 2344 02:00:35.119 --> 02:00:38.800 Okay, how much of the plywood on your roof over 2345 02:00:38.880 --> 02:00:40.439 the patio is rotten? Do you know? 2346 02:00:44.800 --> 02:00:47.520 Not a whole lot of it, just maybe. 2347 02:00:48.760 --> 02:00:50.600 An eight if less? 2348 02:00:51.159 --> 02:00:51.520 Uh huh? 2349 02:00:52.159 --> 02:00:55.159 And why didn't they just replace the bad parts? 2350 02:00:56.720 --> 02:00:57.279 I do not know. 2351 02:00:57.840 --> 02:00:58.800 They would have gotten. 2352 02:00:58.560 --> 02:01:03.840 Paid by insurance, right, they just didn't want to do it. 2353 02:01:04.920 --> 02:01:07.880 And with my with the main roof over the house, 2354 02:01:08.560 --> 02:01:11.800 they actually put holes in my roof and you can 2355 02:01:11.920 --> 02:01:13.640 actually see some light coming in. 2356 02:01:17.079 --> 02:01:17.359 Okay. 2357 02:01:17.920 --> 02:01:22.680 Who is it replaced by pro Roofing Incorporated? 2358 02:01:24.560 --> 02:01:25.640 And how did you find them? 2359 02:01:26.880 --> 02:01:31.800 I personally knew them. Oh so you still they be Yeah, 2360 02:01:31.840 --> 02:01:34.159 they used to be my parents' neighbors. 2361 02:01:35.199 --> 02:01:38.159 And they will not buy. They will not come out 2362 02:01:38.239 --> 02:01:38.760 and fix it. 2363 02:01:38.880 --> 02:01:42.319 They said no, that's what they kept telling me. So 2364 02:01:42.560 --> 02:01:45.159 I actually had to hire a lawyer to help me 2365 02:01:45.279 --> 02:01:45.720 address it. 2366 02:01:46.279 --> 02:01:48.840 And that's pretty weird to hire an attorney because it'll 2367 02:01:49.000 --> 02:01:52.199 never pay to I'm not saying you shouldn't have an attorney, 2368 02:01:52.239 --> 02:01:55.079 but you understand it will never. 2369 02:01:55.319 --> 02:01:58.039 You'll never get that back. So how much have you 2370 02:01:58.119 --> 02:01:59.319 spent with attorneys fees? 2371 02:02:00.439 --> 02:02:01.199 About a thousand? 2372 02:02:01.640 --> 02:02:05.840 Okay, that's about what it's not. How big is the patio? 2373 02:02:06.840 --> 02:02:07.920 It's not very big at all. 2374 02:02:08.279 --> 02:02:16.680 How big? Give me an idea? Is it bigger than 2375 02:02:16.720 --> 02:02:18.000 a go ahead? 2376 02:02:19.039 --> 02:02:24.840 It's probably big as an apartment living room? 2377 02:02:25.680 --> 02:02:28.520 Okay, got it? Well that's pretty big. That's pretty big. 2378 02:02:28.760 --> 02:02:32.960 So maybe nine by nine by twelve at least, right, 2379 02:02:33.119 --> 02:02:33.880 or bigger right. 2380 02:02:33.880 --> 02:02:34.960 At least at least? 2381 02:02:35.079 --> 02:02:38.560 Yeah, that's pretty big. So here's what you need to do. 2382 02:02:39.359 --> 02:02:43.439 That asphalt has to be taken off the area where 2383 02:02:43.479 --> 02:02:47.039 there's a hole, and you need to replace it and 2384 02:02:47.119 --> 02:02:49.359 then put it back down. So you need to get 2385 02:02:49.359 --> 02:02:52.600 an estimate on what the I mean it's it probably 2386 02:02:52.680 --> 02:02:54.840 won't cost much more than a thousand bucks. 2387 02:02:54.880 --> 02:02:56.920 I mean, what did your attorneys say you could do 2388 02:02:57.079 --> 02:02:57.319 for you? 2389 02:02:58.600 --> 02:03:01.680 He wanted them to come back and address it, and 2390 02:03:01.800 --> 02:03:05.319 what did they say? They wanted to make an appointment 2391 02:03:05.399 --> 02:03:07.560 and come and address it. But the thing is, before 2392 02:03:07.640 --> 02:03:11.960 I hired him. I had been asking them a numerous 2393 02:03:11.960 --> 02:03:14.199 amount of times to come and do it, and they 2394 02:03:14.279 --> 02:03:15.239 just reduced. 2395 02:03:15.199 --> 02:03:17.720 So what's your point, though? You hired an attorney, So 2396 02:03:17.960 --> 02:03:21.159 what are you calling us about? You already hired an attorney. 2397 02:03:22.439 --> 02:03:24.520 Yeah, and he didn't really want to help. 2398 02:03:25.600 --> 02:03:28.720 So after paying one thousand dollars, did he give your 2399 02:03:28.800 --> 02:03:29.880 thousand dollars back? 2400 02:03:30.680 --> 02:03:30.720 No? 2401 02:03:32.600 --> 02:03:38.000 How'd you find this attorneys. 2402 02:03:35.800 --> 02:03:36.720 Through Legal Shield? 2403 02:03:38.479 --> 02:03:38.680 Yeah? 2404 02:03:38.720 --> 02:03:39.079 There you go. 2405 02:03:40.000 --> 02:03:42.640 God, you just keep making every mistake in the book. 2406 02:03:43.279 --> 02:03:48.239 How long you had Legal shield M? Ten years? Complete 2407 02:03:48.279 --> 02:03:50.680 wasted time? Do you know how much money wasted on them? 2408 02:03:51.039 --> 02:03:51.359 Waste? 2409 02:03:52.439 --> 02:03:53.479 I don't recommend them. 2410 02:03:54.159 --> 02:03:56.079 How much? How much have you spent over ten years 2411 02:03:56.079 --> 02:03:56.840 with Legal Shields? 2412 02:04:00.279 --> 02:04:00.319 What? 2413 02:04:00.479 --> 02:04:01.399 Twenty dollars a month? 2414 02:04:01.600 --> 02:04:03.079 So yeah for ten years? 2415 02:04:03.840 --> 02:04:07.399 Yeah, one hundred and twenty times how much a month 2416 02:04:08.640 --> 02:04:12.920 twenty twenty, one hundred and twenty times twenty isn't that wonderful? 2417 02:04:15.000 --> 02:04:19.119 And so you spent all of that plus he wanted 2418 02:04:19.199 --> 02:04:22.720 another thousand, So you spent thirty four hundred dollars. 2419 02:04:22.520 --> 02:04:27.119 So far and you could have had it done. Has 2420 02:04:27.199 --> 02:04:28.880 Legal Shield ever done anything for you? 2421 02:04:29.960 --> 02:04:30.560 Disadvice? 2422 02:04:31.359 --> 02:04:36.199 What did this guy do for you for one thousand dollars. Nothing, Well, 2423 02:04:36.239 --> 02:04:38.039 then ask for your money. Backer. You're going to the 2424 02:04:38.079 --> 02:04:41.000 Bar Association, the Fee Dispute Committee. Tell him that right now, 2425 02:04:41.640 --> 02:04:43.960 you tell that guy you got more than one problem 2426 02:04:44.239 --> 02:04:46.000 that thousand dollars would have gone to fix it. 2427 02:04:46.319 --> 02:04:49.399 I mean so, really and truly, this is a bunch 2428 02:04:49.479 --> 02:04:53.079 of crap. I mean, I mean really and truly what 2429 02:04:53.239 --> 02:04:54.640 you need to do. I'm going to tell you what 2430 02:04:54.720 --> 02:04:54.840 to do. 2431 02:04:54.960 --> 02:04:57.439 Get an estimate for what it will take to pull 2432 02:04:57.560 --> 02:05:00.920 up the asphalt in that area, replace that bad part 2433 02:05:00.960 --> 02:05:04.199 of the decking where they put holes in it. Although, 2434 02:05:04.319 --> 02:05:07.760 really and truly what's crazy. 2435 02:05:07.479 --> 02:05:12.039 Is, well, the whole thing leaks. When we ended up 2436 02:05:12.079 --> 02:05:14.359 having that tail storm over. 2437 02:05:14.239 --> 02:05:16.119 The whole thing, not just where the hole. 2438 02:05:16.680 --> 02:05:19.159 No, not just where the hole is, the whole entire 2439 02:05:19.880 --> 02:05:22.720 where it wasn't even leaking before. Now is leaking. 2440 02:05:25.279 --> 02:05:28.039 You need to call an expert out there to analyze it. 2441 02:05:28.159 --> 02:05:31.279 Call Excel Roofing. We need to find out what's wrong 2442 02:05:31.319 --> 02:05:33.880 with it. Okay, we need to have it inspected, and 2443 02:05:34.000 --> 02:05:35.800 then you need to sue them for it in small 2444 02:05:35.840 --> 02:05:37.000 claims court if. 2445 02:05:36.920 --> 02:05:37.520 It's under set. 2446 02:05:37.840 --> 02:05:38.720 I hired the lawyer. 2447 02:05:39.720 --> 02:05:42.720 Well, guess what small claims court won't cost you one 2448 02:05:42.720 --> 02:05:46.039 thousand dollars. It will cost you fifty If you hired 2449 02:05:46.079 --> 02:05:48.159 this attorney to take this to court, would have cost 2450 02:05:48.199 --> 02:05:52.640 you fifteen grand minimum fifteen grand. Now think about that. 2451 02:05:53.720 --> 02:05:55.880 What if it only costs you six or seven thousand 2452 02:05:55.960 --> 02:05:58.520 to replace the roof there exactly? 2453 02:05:59.039 --> 02:06:01.960 Then do what I say, Please, at least get started 2454 02:06:02.039 --> 02:06:04.359 with a professional roofing, get a price. 2455 02:06:04.720 --> 02:06:07.359 If it's under seventy five hundred bucks, you have. 2456 02:06:07.479 --> 02:06:10.079 Them document what's wrong with it, and you ask them 2457 02:06:10.119 --> 02:06:12.279 one last time to fix it, or you take in 2458 02:06:12.359 --> 02:06:14.880 the small claims court for the seventy five hundred bucks 2459 02:06:14.960 --> 02:06:17.439 or whatever to fix it, and you're done with it. 2460 02:06:17.800 --> 02:06:20.479 But if you don't get started like that, there's nothing 2461 02:06:20.520 --> 02:06:22.399 I can do for you. That's what I would do. 2462 02:06:22.560 --> 02:06:26.680 First call Excel Roofing to get a price, okay, and 2463 02:06:27.279 --> 02:06:29.359 just say, look, I need to know what's wrong with it, 2464 02:06:29.800 --> 02:06:32.000 and I need to know how much it's going to 2465 02:06:32.079 --> 02:06:33.000 cost to fix. 2466 02:06:34.319 --> 02:06:37.000 All right, okay, And then when you find that out, 2467 02:06:39.359 --> 02:06:42.399 I want to know, and then you take the next step. 2468 02:06:43.680 --> 02:06:46.600 And that's the only way it's going to work, is 2469 02:06:46.680 --> 02:06:51.640 you if you have a professional on your side that 2470 02:06:51.840 --> 02:06:55.640 will help you at least discern what you do. Not 2471 02:06:55.800 --> 02:06:57.960 talk to that attorney again. That was a waste of money. 2472 02:06:58.000 --> 02:06:59.560 But I would ask for my money back, and you 2473 02:06:59.640 --> 02:07:01.840 tell them. If you don't get your money back, you 2474 02:07:01.920 --> 02:07:03.960 want to complete in full accounting of how he spent 2475 02:07:04.039 --> 02:07:05.960 that one thousand dollars from your trust account. 2476 02:07:06.279 --> 02:07:07.159 Use those words. 2477 02:07:07.439 --> 02:07:10.560 I want a complete accounting of how that one thousand 2478 02:07:10.560 --> 02:07:12.439 dollars was used from my trust account. 2479 02:07:12.600 --> 02:07:17.920 Okay, all right? And if you don't refund it, I 2480 02:07:18.239 --> 02:07:20.880 am because you have, in essence done nothing. How much 2481 02:07:20.960 --> 02:07:22.199 time do you think he spent on it? 2482 02:07:23.239 --> 02:07:23.960 Not much time? 2483 02:07:24.520 --> 02:07:26.439 Then you tell him you want a refund or you're 2484 02:07:26.479 --> 02:07:29.680 going to the feet dispute Committee with our association. Okay, 2485 02:07:30.800 --> 02:07:35.439 all right, please do that because I am telling you 2486 02:07:36.479 --> 02:07:41.479 I am so sick and tired. I'm just I'm just 2487 02:07:41.600 --> 02:07:43.600 so sick and tired of people being ripped off like this. 2488 02:07:43.720 --> 02:07:45.520 So call us back and let us know what happens. 2489 02:07:45.840 --> 02:07:47.840 I'm Tom Martinez. We have more coming right up on 2490 02:07:47.920 --> 02:07:56.039 the Troubleshooter Show. Go with a sure Thing Denver's Best 2491 02:07:56.159 --> 02:07:57.960 Roofer Excel roofing dot com. 2492 02:07:58.159 --> 02:07:59.840 You don't pay a cent until your. 2493 02:08:03.560 --> 02:08:07.079 Time for an insurance checkup free no obligation comparison call 2494 02:08:07.199 --> 02:08:10.479 Compass Insurance paying too much your coverage at dozens of 2495 02:08:10.560 --> 02:08:13.199 insurance companies find out now three oh three seven to 2496 02:08:13.279 --> 02:08:13.720 seven to one. 2497 02:08:13.880 --> 02:08:14.079 Help. 2498 02:08:14.279 --> 02:08:16.920 You'll think you're his only customer when you choose Frank 2499 02:08:17.000 --> 02:08:19.399 durand the real estate Man dot com to list your 2500 02:08:19.479 --> 02:08:22.600 home with Remax Alliance three oh three nine two zero 2501 02:08:22.720 --> 02:08:31.319 sixteen twenty two. Hi Tom Martino, your troubleshooter three O 2502 02:08:31.439 --> 02:08:34.359 three seven one three talk seven one three eight two 2503 02:08:34.439 --> 02:08:37.840 five five another excellent solar company. 2504 02:08:37.960 --> 02:08:44.399 Pro bid Energy dot com. Pro bid Energy dot Com. Okay, 2505 02:08:44.600 --> 02:08:48.439 so let's recap. Shall we off? First? I have this 2506 02:08:48.600 --> 02:08:50.000 text for John Fuller. 2507 02:08:50.079 --> 02:08:55.199 Then we'll recap John Fuller, who covers what if I'm 2508 02:08:55.319 --> 02:09:02.199 injured in a demo ride at a dealer ship? I? Uh, 2509 02:09:02.359 --> 02:09:04.680 I took the car for a test drive, got into 2510 02:09:04.800 --> 02:09:05.159 a wreck. 2511 02:09:06.039 --> 02:09:06.640 What happens? 2512 02:09:07.359 --> 02:09:07.479 Uh? 2513 02:09:07.600 --> 02:09:09.520 Not my fault, by the way, direct. 2514 02:09:09.319 --> 02:09:11.199 Oh, well, whose fault was it? If it was an 2515 02:09:11.239 --> 02:09:15.199 at fault driver, just another vehicle, it's there. It's their responsibility. 2516 02:09:15.800 --> 02:09:18.720 As always, the at fault driver is responsible for all 2517 02:09:18.760 --> 02:09:19.840 the damages. 2518 02:09:19.399 --> 02:09:19.800 That they do. 2519 02:09:20.279 --> 02:09:24.840 Interestingly enough, I've had cases where I represented the employee 2520 02:09:25.279 --> 02:09:28.279 of the auto dealership, and so we had a work 2521 02:09:28.319 --> 02:09:31.119 comp case for his injuries. But then we also had 2522 02:09:31.159 --> 02:09:34.239 a third party case against the at fault driver. So 2523 02:09:34.720 --> 02:09:36.279 just the same as any other accident. 2524 02:09:36.600 --> 02:09:40.039 If you were on a test drive in a dealer 2525 02:09:40.159 --> 02:09:44.680 car and someone else hit you, would your you, I 2526 02:09:44.840 --> 02:09:49.960 am yep, it would follow you over you bet Wow? Yep, 2527 02:09:50.079 --> 02:09:53.479 I didn't know that part. How about in an uber yep? 2528 02:09:54.199 --> 02:09:59.800 So that you own that under insured no insured policy, 2529 02:10:00.039 --> 02:10:01.880 won't it no matter what happens to you. How about 2530 02:10:01.920 --> 02:10:06.920 if you were on a bus, yeah, anywhere? Yeah, vehicle wise, 2531 02:10:07.840 --> 02:10:08.600 that's incredible. 2532 02:10:08.720 --> 02:10:08.920 Yep. 2533 02:10:11.079 --> 02:10:11.439 All right. 2534 02:10:11.640 --> 02:10:14.159 So people are telling me I don't have YouTube. Sound 2535 02:10:14.199 --> 02:10:16.600 shut up, Mark, I'm just figuring it out. 2536 02:10:16.640 --> 02:10:19.239 And I bet you anything dragging. I doubt he touched 2537 02:10:19.239 --> 02:10:19.840 a damn thing. 2538 02:10:19.960 --> 02:10:21.439 Right now, I have touch a thing. 2539 02:10:21.720 --> 02:10:22.239 Now I have it. 2540 02:10:22.640 --> 02:10:24.880 Now I have it, I fixed it. So shut up. 2541 02:10:25.560 --> 02:10:27.920 I'm telling you I put up with this abuse. 2542 02:10:28.319 --> 02:10:31.159 And I heard for the first time John used this 2543 02:10:31.399 --> 02:10:33.399 for an older guy, a person at risk? 2544 02:10:33.840 --> 02:10:36.520 So what time? How what age does a person become 2545 02:10:36.560 --> 02:10:41.840 a person at risk? Seventy one? The age? What is 2546 02:10:41.960 --> 02:10:42.399 the age? 2547 02:10:43.000 --> 02:10:45.840 I think it's sixty five, Tom. If I'm not mistaken. 2548 02:10:46.319 --> 02:10:48.880 Okay, I'm seventy one, so I'm a person at risk 2549 02:10:49.079 --> 02:10:53.039 and at risk at kicking people's ass too, I'm at 2550 02:10:53.159 --> 02:10:56.359 risk of coming unglued, that it would be. 2551 02:10:56.600 --> 02:10:59.399 That's that's taking the at risk thing to a whole 2552 02:10:59.439 --> 02:10:59.960 different level. 2553 02:11:00.319 --> 02:11:03.439 I don't think they in all seriousness. It doesn't have 2554 02:11:03.560 --> 02:11:06.760 to be just age, right, if someone was mentally challenged, 2555 02:11:07.239 --> 02:11:07.720 could they be. 2556 02:11:07.800 --> 02:11:08.680 At risk as well? 2557 02:11:08.920 --> 02:11:09.199 They can? 2558 02:11:09.600 --> 02:11:12.880 Yeah, let me let's talk about that that issue. So no, really, 2559 02:11:12.960 --> 02:11:16.000 I was trying to say earlier about that that gentleman 2560 02:11:16.079 --> 02:11:20.760 and poor guy is you know, if we have a 2561 02:11:20.880 --> 02:11:23.680 client that's over the thresholder and I think it's sixty five, 2562 02:11:23.760 --> 02:11:25.600 but I'd have to look at it just to make sure. 2563 02:11:26.079 --> 02:11:29.359 But what that entitles you to is like you have 2564 02:11:29.560 --> 02:11:31.800 the right to file a document with the court and 2565 02:11:32.079 --> 02:11:35.680 get an expedited trial date before everybody else. You can say, 2566 02:11:35.720 --> 02:11:37.960 look seventy years old, though, is it seventy? Okay? So 2567 02:11:38.119 --> 02:11:41.359 you look, your honor, my client is over the age, 2568 02:11:41.479 --> 02:11:46.279 he's ill, he's subject to some disability, disability, and we 2569 02:11:46.399 --> 02:11:48.960 need an expedited trial date. And they will accommodate you. 2570 02:11:49.039 --> 02:11:51.159 I mean, they will give you a spooky fast trial 2571 02:11:51.239 --> 02:11:54.520 date if you want one, and the other side doesn't 2572 02:11:54.600 --> 02:11:56.199 have a lot that they can do about it, and 2573 02:11:56.319 --> 02:11:58.520 you have to somehow get all the discovery done and 2574 02:11:58.640 --> 02:12:01.600 go to trial on that case right away. For that 2575 02:12:01.840 --> 02:12:05.880 particular guy, the biggest travesty of it is if he 2576 02:12:06.079 --> 02:12:10.800 dies next week, all of the really good non economic 2577 02:12:10.880 --> 02:12:13.800 damages that go along with just the punishment of the 2578 02:12:13.880 --> 02:12:17.880 audacity of the act that they did in treating this 2579 02:12:18.039 --> 02:12:20.800 guy and taking advantage of him, all those go out 2580 02:12:20.880 --> 02:12:24.000 the window. So maybe his estate can still recover for 2581 02:12:24.119 --> 02:12:28.279 the actual dollar amounts, But to me, the value of 2582 02:12:28.359 --> 02:12:31.199 that case is in the in in what that dealership 2583 02:12:31.319 --> 02:12:34.560 did to him. And I would love to go in 2584 02:12:34.640 --> 02:12:37.600 front of a jury and describe how they how much 2585 02:12:37.720 --> 02:12:41.079 money they took advantage of, and they you know they, 2586 02:12:41.880 --> 02:12:42.319 I mean. 2587 02:12:42.319 --> 02:12:43.520 Just service contracts. 2588 02:12:43.600 --> 02:12:46.800 Unbelievable, Yeah, service contracts for guy that ain't going to 2589 02:12:46.840 --> 02:12:52.399 be from right, What in the world would make you 2590 02:12:52.520 --> 02:12:54.560 think that's And then to sell him his own car 2591 02:12:54.720 --> 02:12:57.760 back and sell him a service contract on that is 2592 02:12:58.039 --> 02:13:03.000 utterly unbelievable. And I think a jury would absolutely go 2593 02:13:03.319 --> 02:13:06.800 proctological on that dealership, But it would be for the 2594 02:13:07.079 --> 02:13:10.600 non economic. It would be for the non economic damages, 2595 02:13:10.720 --> 02:13:11.640 not the economics. 2596 02:13:11.760 --> 02:13:12.520 I'm going to All. 2597 02:13:13.920 --> 02:13:18.399 Those go out the window. All those go out the 2598 02:13:18.479 --> 02:13:22.279 window if he passes away and it's just his family 2599 02:13:22.399 --> 02:13:25.399 or his estate that's pursuing it. So that's the biggest. 2600 02:13:25.079 --> 02:13:28.079 Problem taking him out of it. If there's an accident, 2601 02:13:28.199 --> 02:13:30.239 Let's say there's all the insurance in the world, which 2602 02:13:30.279 --> 02:13:33.000 there never is, but there is, and someone hits me 2603 02:13:33.079 --> 02:13:36.840 it's their fault and I could never work again and 2604 02:13:37.039 --> 02:13:38.600 I was making X amount. 2605 02:13:38.840 --> 02:13:40.920 All right, let's let's do that right after this mark. 2606 02:13:41.000 --> 02:13:43.960 That's a great question, actually, so please hang on to that. 2607 02:13:44.359 --> 02:13:46.640 I'm Tom Martine. We have more coming right up. Go 2608 02:13:46.800 --> 02:13:50.359 with a sure thing Denver's Best roofer Excel Roofing dot com. 2609 02:13:50.560 --> 02:13:52.560 You don't pay a cent until you're content. 2610 02:13:55.960 --> 02:13:59.479 Time for an insurance checkup, free no obligation comparison call 2611 02:13:59.600 --> 02:14:02.920 Compass Insurance paying too much your coverage at dozens of 2612 02:14:02.960 --> 02:14:05.920 insurance companies find out now three all three, seven, seven 2613 02:14:05.920 --> 02:14:08.680 to one help. You'll think you're his only customer when 2614 02:14:08.720 --> 02:14:11.000 you choose Frank durand the real estate Man dot com 2615 02:14:11.239 --> 02:14:14.319 to list your home with Remax Alliance three oh three 2616 02:14:14.439 --> 02:14:27.800 nine two zero sixteen twenty two. Hi Tom Martino your 2617 02:14:28.279 --> 02:14:32.760 trouble shooter three O three seven to one three Talk Jeff. 2618 02:14:34.079 --> 02:14:38.840 What's happening Jeff? How can we help you? What's going on? Jeff? Hi? 2619 02:14:39.000 --> 02:14:43.000 Tom, Thank you very much. I'm gonna try to sell 2620 02:14:43.279 --> 02:14:46.840 a card that I own privately and I've sold cars. 2621 02:14:47.600 --> 02:14:50.279 Is it Is it paid off? Jeff? Is it paid 2622 02:14:50.279 --> 02:14:53.239 off completely? Yeah? That makes it way easier? 2623 02:14:53.359 --> 02:14:57.760 Go ahead, Yeah, yeah, just sitting anyways. Yeah, titles clean, 2624 02:14:58.039 --> 02:15:01.760 but I'm gonna sell it in I want to protect myself. 2625 02:15:01.439 --> 02:15:04.159 Because somebody had mentioned before and it's kind of a 2626 02:15:04.239 --> 02:15:05.720 concern that, you know, once the. 2627 02:15:05.760 --> 02:15:09.119 Once the car leaves my driveway, you know, I'm obviously. 2628 02:15:08.760 --> 02:15:10.039 I'm gonna collect the license plates. 2629 02:15:10.119 --> 02:15:12.840 But there's no guarantee that the buyer of the new 2630 02:15:12.880 --> 02:15:14.520 buyer is going to go register this thing. 2631 02:15:15.119 --> 02:15:18.319 And that's why you have him signed the bill of sale. 2632 02:15:18.359 --> 02:15:21.880 That's all you need, man, That's a very simple enough though. 2633 02:15:22.760 --> 02:15:24.079 Well let's ask John Fuller. 2634 02:15:24.119 --> 02:15:26.359 You both you both get a copy of that bill 2635 02:15:26.399 --> 02:15:29.319 and a bill of sale, and also you retain a 2636 02:15:29.399 --> 02:15:32.920 copy of the transfer of the title. Uh, John, would 2637 02:15:33.079 --> 02:15:35.680 that set a date that would keep him from being 2638 02:15:35.760 --> 02:15:36.319 liable for. 2639 02:15:36.399 --> 02:15:39.760 That yeah, I think so. There's you know, the bill 2640 02:15:39.800 --> 02:15:42.159 of sale and your sign title. Whether the guy ever 2641 02:15:42.399 --> 02:15:46.399 registers it or negotiates it would be effectively, in my mind, 2642 02:15:46.439 --> 02:15:48.239 you get out of jail free card. You no longer 2643 02:15:48.319 --> 02:15:51.000 have an ownership interest in that vehicle. You no longer 2644 02:15:51.039 --> 02:15:53.840 have an ensurable interest in the vehicle. Remember the case 2645 02:15:53.920 --> 02:15:57.279 we had Mark with the brother that that and his 2646 02:15:58.039 --> 02:16:01.920 older deceased brother had signed over a car but never 2647 02:16:02.039 --> 02:16:03.000 registered or something. 2648 02:16:03.119 --> 02:16:09.039 Yes, same thing, Yes, come after him, right and there was. 2649 02:16:09.119 --> 02:16:11.720 John, John, let me ask, Let me ask a far 2650 02:16:11.880 --> 02:16:15.279 fetched question, John Fuller, Attorney at law, personal injury expert, 2651 02:16:16.000 --> 02:16:21.600 what about this negligent entrustment thing we hear about? You 2652 02:16:21.760 --> 02:16:24.079 should have known not to sell it to this person 2653 02:16:24.880 --> 02:16:28.000 because of this something like that known. 2654 02:16:28.119 --> 02:16:31.079 Yes, maybe it's not going to fly on selling a 2655 02:16:31.199 --> 02:16:33.959 car to somebody, But but maybe loaning a car to 2656 02:16:34.399 --> 02:16:36.959 your neighbor comes over and he's, you know, six sheets 2657 02:16:37.000 --> 02:16:38.719 in the wind and wants to borrow your truck to 2658 02:16:38.760 --> 02:16:41.399 go to the liquor store, and you say, sure, here's 2659 02:16:41.440 --> 02:16:44.479 the keys, grab me one while you're there. You know, 2660 02:16:45.040 --> 02:16:48.959 that's that's probably a circumstance that if the neighbor got 2661 02:16:49.000 --> 02:16:52.040 into a wreck. You could be held liable for letting 2662 02:16:52.079 --> 02:16:54.200 them borrow the truck just as much as they would 2663 02:16:54.200 --> 02:16:55.600 be liable for causing the actions. 2664 02:16:55.719 --> 02:17:00.680 Okay, okay, So in this case, sir, document everything and 2665 02:17:00.840 --> 02:17:03.319 have copies of it. In fact, I would have a 2666 02:17:03.399 --> 02:17:05.920 bill of sale date signed by both, usually a bill 2667 02:17:05.959 --> 02:17:06.360 of sale. 2668 02:17:07.000 --> 02:17:09.920 Go ahead, here's my plan of action. 2669 02:17:10.319 --> 02:17:12.760 And I think this should pretty much cover all the bases. 2670 02:17:12.840 --> 02:17:15.520 But when I do sell the car, I'm gonna put 2671 02:17:15.559 --> 02:17:18.600 it like on the bill of sale, owner agrees to 2672 02:17:19.520 --> 02:17:20.239 register car. 2673 02:17:20.719 --> 02:17:24.639 No, no, no, No, you're you're overthinking it. 2674 02:17:25.040 --> 02:17:28.040 First of all, you're putting yourself in a position where 2675 02:17:28.079 --> 02:17:30.799 you're trying to take control of the process. You're simply 2676 02:17:30.879 --> 02:17:33.520 going to say, on this date, you sell it for 2677 02:17:33.680 --> 02:17:36.000 this much as identify the car by bill. 2678 02:17:36.760 --> 02:17:36.920 Yeah. 2679 02:17:37.000 --> 02:17:40.120 Not only that, think of what you're saying. Every dealership 2680 02:17:40.239 --> 02:17:43.440 out there, brand new, used car, new car, they sell it. 2681 02:17:43.760 --> 02:17:45.239 They can't put a gun to your head to go 2682 02:17:45.399 --> 02:17:47.920 register it. I mean, they would be liable for every 2683 02:17:48.000 --> 02:17:49.319 car they ever sold anybody. 2684 02:17:49.440 --> 02:17:49.600 Then. 2685 02:17:49.879 --> 02:17:53.360 Yeah, but John, and shouldn't both signatures be on that 2686 02:17:53.440 --> 02:17:54.239 bill of sale or not? 2687 02:17:54.799 --> 02:17:58.639 I think I don't think it's required. No, But I'm saying, 2688 02:17:59.079 --> 02:18:01.200 just for me, the best practices. Yeah, both of you 2689 02:18:01.280 --> 02:18:03.200 guys sign it. Get a copy from you know you 2690 02:18:03.399 --> 02:18:05.680 keep a copy. Give a copy to the to the 2691 02:18:05.760 --> 02:18:09.200 guy that's buying your car, and the transition title. Get 2692 02:18:09.239 --> 02:18:10.559 a copy of everything in the. 2693 02:18:10.680 --> 02:18:14.159 Car, every car I have, every car I have sold 2694 02:18:14.360 --> 02:18:17.239 in the past five years. I get a picture of 2695 02:18:17.399 --> 02:18:19.479 myself handing them the title, and I have them on 2696 02:18:19.559 --> 02:18:22.200 my phone, no kidding. Plus you have a transfer mark, 2697 02:18:22.239 --> 02:18:23.920 and you have the bill of sale, of course, but 2698 02:18:24.000 --> 02:18:26.520 I always get a picture of myself handing them the title. 2699 02:18:28.319 --> 02:18:31.360 All right, So I got a little album pictures. 2700 02:18:31.799 --> 02:18:34.319 Is this music coming early? Or is my clock off? 2701 02:18:34.399 --> 02:18:36.840 I didn't touch anything, You didn't touch anything. 2702 02:18:38.319 --> 02:18:40.559 What's our out time? Just get tell me anyway. So 2703 02:18:41.200 --> 02:18:43.760 I'm Tom Martinez. Stay tuned for a special video I 2704 02:18:43.840 --> 02:18:46.680 put together of it fires on a bye bye video. 2705 02:18:46.760 --> 02:18:49.680 It's just stupid fun. By the way, we have a 2706 02:18:49.719 --> 02:18:50.559 lot more happening.