Speaker 1: Y'all ripped up news, you need advice? Who you don't have?
Speaker 2: Come running just as fast as we can shoot is
Speaker 2: gonna help coming?
Speaker 3: Man Dix is the Troubleshooter Show. No Tom Martino, I'm
Speaker 3: Tom Martino here. Let's talk about what we can do
Speaker 3: for you. This is the show that solves problems, answers questions,
Speaker 3: takes complaints, and makes your life a little easier. And
Speaker 3: I do have Major Mark Major with us along with
Speaker 3: Brian Burns Compass Insurance.
Speaker 4: Brian's in the studio along with deputy Doc and Bow.
Speaker 4: Welcome one and all, thank you for being here. And
Speaker 4: Brian decided he'd rather be with ugly people than basking
Speaker 4: my rate, your glory here at the ship here.
Speaker 3: Oh lord, So.
Speaker 4: Brian, it's okay you want to be Brian heard. They
Speaker 4: have better piece at the studio by the way. Welcome,
Speaker 4: and Brian will be doing insurance checkups today. And insurance
Speaker 4: checkups are where you get your declarations page and you
Speaker 4: look at what coverage you have and you look to
Speaker 4: see if you're paying too much or maybe you're under insured.
Speaker 3: Maybe you are. And so Brian, I have a text
Speaker 3: right off the bat.
Speaker 4: From a high individual and this individual high net worth
Speaker 4: individual says, I have an umbrella policy because I've always
Speaker 4: heard you should ensure for your net worth first and foremost, Brian,
Speaker 4: before we move on, which you explain why people should
Speaker 4: ensure for their net worth and not just for a
Speaker 4: sensible amount.
Speaker 5: Well, whenever you get in to and the most common
Speaker 5: time you see an umbrella come into play is after
Speaker 5: an auto accident. So if you get into an auto
Speaker 5: acc and you enter someone and you are let's say
Speaker 5: you're you have a net worth of ten million dollars
Speaker 5: and you have a one million dollar umbrella. If they
Speaker 5: feel like they can get more than that, they're going
Speaker 5: to sue you for a larger amount. Your insurance company
Speaker 5: is going to settle for the million dollars and then
Speaker 5: they're out of it. And at that point you have
Speaker 5: to get your own attorney and you have to protect
Speaker 5: yourself for the remaining amount. So you just want to
Speaker 5: make sure that you have an umbrella that would be
Speaker 5: you know, close to your net worth so that if
Speaker 5: you do get sued, your insurance company is going to
Speaker 5: be able to stay with you through the whole thing.
Speaker 3: Yeah, you you don't want to be an attractive target
Speaker 3: or you want to have insurance be a more attractive
Speaker 3: target than you are, so they're willing to take insurance
Speaker 3: and move on.
Speaker 5: Right, and you want your insurance company to stay in
Speaker 5: the game. In other words, you know, if they if
Speaker 5: they're on the hook for five million dollars or whatever,
Speaker 5: the greater the amount, the less likely they're just going
Speaker 5: to settle. They're going to make sure they kind of
Speaker 5: carry you through the loss.
Speaker 4: But I thought when insurance settles with the other party,
Speaker 4: I thought they make them indemnify you for the future.
Speaker 5: They sure try to, but that's not a guarantee. So
Speaker 5: I mean, I've seen it many, many times where an
Speaker 5: insurance company settles because they know that they're going to
Speaker 5: be paying way more than whatever the amount is that
Speaker 5: you have for insurance, and they'll say, you know what,
Speaker 5: here's your fifty thousand, if that's what you have or
Speaker 5: whatever that amount is, we're out. And at that point
Speaker 5: they don't indemnify them and they can still come after
Speaker 5: the customer.
Speaker 4: Now, while we're on the air, and you do it
Speaker 4: all the time, but while we're on the air, we
Speaker 4: like to highlight insurance checkups. So if you're a home
Speaker 4: or business, either one commercial or residential and you want
Speaker 4: to get your insurance reviewed.
Speaker 3: It'll take just a few minutes. You don't have to
Speaker 3: stay on the phone while they do it, just take
Speaker 3: your information and then they call you back. You can
Speaker 3: call directly to the help center or to them three
Speaker 3: oh three nine nine six nine thousand, and then you
Speaker 3: can call us as well three oh three nine ninety
Speaker 3: six nine thousand. I want to start with Dawn and
Speaker 3: Dale right now. They were working with Deputy Doc and
Speaker 3: I believe the problem had to do with AutoNation, Doc.
Speaker 3: Can you can you recap that problem?
Speaker 4: It had to do with a twenty thirteen Jeep Grand
Speaker 4: Cherokee right one hundred and eight thousand miles and if
Speaker 4: they bought it for they bought it for sixteen grand
Speaker 4: with a warranty, and after forty six miles the engine
Speaker 4: light came on. Autoonation has had it for two months.
Speaker 6: Well, if you remember, I tried to get in touch
Speaker 6: with Autonations and I couldn't do it.
Speaker 3: Three times on three times you were hung up on
Speaker 3: you were hung up on right.
Speaker 6: So Friday I physically went down to the AutoNation dealership
Speaker 6: on a rapa Hole road and it turns out that
Speaker 6: they don't know. They're a butt from the elbow. But
Speaker 6: there are two places, two different service areas. One is
Speaker 6: for subar rus that are brought there and another one
Speaker 6: is for other makes of cars that are brought there
Speaker 6: for repairs. And apparently there's a secondary lot where the
Speaker 6: car was. So they got in, as far as I remember,
Speaker 6: they got in touch with Dawn and Dale and then
Speaker 6: they were.
Speaker 7: Gonna let me know what happened.
Speaker 3: So what happened when they got in.
Speaker 7: Touch with you guys?
Speaker 3: Yes, so give us the latest Dawn and.
Speaker 8: Dale from them right, Dad down on Saturday herself and
Speaker 8: ended up getting banned from property.
Speaker 3: Banned from the proper. How do you get banned from
Speaker 3: the property?
Speaker 8: Come on, come on, he kind of made a scene.
Speaker 3: That's what I thought, That's what I thought. I mean.
Speaker 4: But but but wait a minute. How let me talk
Speaker 4: to him? Dale?
Speaker 3: Dale? How did you get banned? All you had to
Speaker 3: do was go down and say, you know, we're working
Speaker 3: with the Martino Show.
Speaker 4: Did you find the vehicle yet? How did that escalate
Speaker 4: into you getting banned? Tell us what happened? Step by step?
Speaker 4: You show up? Who did you talk to first?
Speaker 9: I didn't talk to anybody first. I went straight to
Speaker 9: the showroom and asked for everybody's attention.
Speaker 10: I was pissed.
Speaker 3: I liked this guy. Now, what do you mean how
Speaker 3: did you get everyone's attention?
Speaker 9: Because I said, I now over the showroom. Can I
Speaker 9: please have everybody's's attention?
Speaker 3: Oh my god, Okay, I get you now.
Speaker 9: I said, I know you guys are here to buy
Speaker 9: a car or a truck or something, but do yourself
Speaker 9: a favorite turn around, walk out and never come back.
Speaker 3: Oh my god, but why didn't you first see?
Speaker 4: Why didn't you first see if Doc's conversation did any good.
Speaker 9: All the people were there, and I know I wasn't
Speaker 9: going to I didn't do anything.
Speaker 3: But Dale, you knew your car was in the secondary lot.
Speaker 3: Did you go over there? Now?
Speaker 4: Okay, so anyway, after you made this announcement, I'm just curious, Dale,
Speaker 4: I'm curious when you made this announcement. I am very curious,
Speaker 4: by the way, because what Dale did is not illegal
Speaker 4: or wrong in many people's eyes, and he's pissed off.
Speaker 4: But what I want to know, Dale, is when you
Speaker 4: were making the announcement, did anyone leave?
Speaker 10: No?
Speaker 3: So, no one listened, No one listened to you really,
Speaker 3: So did anyone come and try to stop you from talking?
Speaker 10: Yes?
Speaker 9: Then the manager came over and told me that I
Speaker 9: have to leave.
Speaker 4: Okay, and of course you you do have to leave
Speaker 4: if they asked you to leave, otherwise it's trespass.
Speaker 9: Yeah, And he said I'll call the cops on you.
Speaker 9: I said, I don't care, So I guess somebody called
Speaker 9: the cops, and the cops came over. By that time,
Speaker 9: I was walking outside okay, because I knew I needed
Speaker 9: to leave.
Speaker 3: Sure. Sure.
Speaker 9: I started walking outside and there were three people that
Speaker 9: were kind of starting to walk in, and I stopped
Speaker 9: them and started talking to them. I said, you guys
Speaker 9: want to buy a car here? And he said yeah.
Speaker 9: I said, do yourself a favorite, turn around.
Speaker 10: And walk away.
Speaker 9: Okay, So then what happened to us? I find him
Speaker 9: what happened to us didn't make any different to him.
Speaker 10: They walked right in.
Speaker 3: By the way.
Speaker 4: Just so you know, just so you know, the problem
Speaker 4: wasn't so much the problem with you. It's not like
Speaker 4: the automation did anything wrong. If you had something wrong
Speaker 4: with the used car as is, it would have been.
Speaker 4: And then if you had the warranty that that was
Speaker 4: all a separate issue. They didn't really do anything wrong
Speaker 4: in the beginning. What happened that made it wrong is
Speaker 4: that they started ignoring you and you didn't know where
Speaker 4: the hell.
Speaker 3: Your car was. So it's kind of a weird situation.
Speaker 4: Okay, So on your way out, you talk to another
Speaker 4: couple who walked in, and then what happened then to
Speaker 4: keep going?
Speaker 11: Well, the police were there and they said, I don't have.
Speaker 9: To leave, and so I said, okay, an he asked
Speaker 9: from ID. I gave the ID and the managers were
Speaker 9: out there by then and asked, you need this guy
Speaker 9: to leave, and I said yes, and they said yes.
Speaker 9: So I went ahead and left at that point. But
Speaker 9: a nothing I wanted to mention to you. The car
Speaker 9: did not ever overheat. Okay, I think you an assumption
Speaker 9: that did overheat you.
Speaker 3: No, No, I never. I was never under that assumption.
Speaker 3: I said that dealer said. The dealer said the warranty
Speaker 3: won't cover it because it overheated.
Speaker 9: I did not, and they ran out done the entire time.
Speaker 3: No, no, listen, these extended warranties. I want to tell
Speaker 3: you something, Dale and Dawn, we're with you.
Speaker 4: The problem is the problem is They make it almost
Speaker 4: impossible because you're fighting and you can't afford to They
Speaker 4: basically turned down your the warranty claim. These warranties suck.
Speaker 4: They simply said, sorry, we're not covering it. It's overheated.
Speaker 4: All right, then what do you do?
Speaker 12: So?
Speaker 4: But the real problem now is getting your damn car back.
Speaker 4: Let's say you want to get your car back and
Speaker 4: get it checked by someone. Where is your car?
Speaker 9: Far as I know, it's done a lot?
Speaker 3: But do you know did you see it? Did you
Speaker 3: see it when you were there? No?
Speaker 9: Oh I did not. Did your guys see it at all?
Speaker 6: Did you go to the secondary lot where they told
Speaker 6: you your car would be?
Speaker 10: Oh? I didn't go anywhere.
Speaker 3: Well now, no, no, he was told it was in
Speaker 3: a secondary lot.
Speaker 4: We don't have to go over to talk. We don't
Speaker 4: have to go over it. We we know what they said.
Speaker 4: They said, it's at the secondary lot. Here's the deal.
Speaker 3: Maybe don Why didn't they'll go there? Well, I don't
Speaker 3: know why Dale didn't go there him because he wanted
Speaker 3: to make a scene.
Speaker 4: He wanted to raise hell. He listen, he's admitting it.
Speaker 4: My hat's off to Dale. He's not trying to hide.
Speaker 4: He's saying, look, these people did him wrong. He wants
Speaker 4: people to know.
Speaker 3: He wants people to know which which AutoNation is this.
Speaker 3: I want to get it specifically. It's see arap, it's
Speaker 3: the uh okay, got it? Okay?
Speaker 4: I mean you know, look, you got to give him credit.
Speaker 4: This is something in the early days Mark would have
Speaker 4: done as an individual before he became on the radio.
Speaker 4: This is exactly. I remember one time when Mark first
Speaker 4: not first started, but he started on the radio with me.
Speaker 4: He went to an auction where a guy was auctioning
Speaker 4: off stuff and this guy had been known to take stuff,
Speaker 4: auction it off and keep the money.
Speaker 3: Mark, do you remember that? Can you remember that you
Speaker 3: were on the auction and this guy starts aggating. Mark
Speaker 3: yells out, what did you yell out?
Speaker 13: I don't you know what? We're thinking of? Two different ones.
Speaker 13: You're thinking of one in the nineties. I in Parker,
Speaker 13: in Parker, that was in Parker, Man, that was forever ago.
Speaker 3: I know it, I know it. But that was a
Speaker 3: live auction.
Speaker 4: And you yelled, don't buy from this crook or something.
Speaker 3: Yeah, it was.
Speaker 7: It was crazy.
Speaker 3: So it was very Anyway, we got more coming up
Speaker 3: on the Troubleshooter show.
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Speaker 4: Time for an insurance checkup free, no obligation comparison call
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Speaker 4: I don't understand is how they find an individual defendant
Speaker 4: or who the defendant is. But in any case, class
Speaker 4: actions are popping up about bottled water. And then the government,
Speaker 4: the EPA has this ongoing research for standardization of methods.
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Speaker 3: Now, listen, we just what do we do, Mark? What
Speaker 3: do we do about this problem? Really? What do we do?
Speaker 14: Well?
Speaker 13: I mean, you got to get his car back, So
Speaker 13: that's number one. I'm not quite sure how he's going
Speaker 13: to do that at this point. Maybe have the wife
Speaker 13: go down or a friend go down pick up the
Speaker 13: car or Lee Jael's daughter. Yeah, and get it somewhere else.
Speaker 13: I mean, that's what he's got to do. And get
Speaker 13: it on Don Don's his daughter.
Speaker 4: Okay, so down, Here's what I want you to I
Speaker 4: want you to call and say nothing but this.
Speaker 3: You simply want to pick up your car.
Speaker 4: Just talk, don't talk about any issue, just say, look,
Speaker 4: I want to pick up the car, and certainly Doc,
Speaker 4: maybe you can make another call and let's right now
Speaker 4: just get the car.
Speaker 3: Let's just get the car. I personally think it's not
Speaker 3: going to be covered.
Speaker 4: Anyway, no matter what. I just don't think it's going
Speaker 4: to be covered. Let's let's go to Laurie. Now, Laurie,
Speaker 4: welcome to the show. You want to call about a
Speaker 4: guy that's already on the sleeze Brigade. By the way,
Speaker 4: I have up updated the sleeves Brigade, and I added
Speaker 4: that one guy at the speed shop.
Speaker 3: What's the name of that shop again? Mark, that guy
Speaker 3: is such a something loud speedcat.
Speaker 15: Yeah, go CAATs.
Speaker 3: His name's Eric Brown. Yeah, Eric Brown, seven years ago,
Speaker 3: the only one. Oh my god, Mark, that's just one
Speaker 3: of many.
Speaker 10: Uh.
Speaker 3: In any case, Laurie, Laurie, did you find out after
Speaker 3: you got ripped off that this guy was on the
Speaker 3: sleeves Brigade? What happened? Tell us your story, Laurie, Yeah,
Speaker 3: after the fact.
Speaker 4: So what did you use him for? He's a mobile mechanic, right.
Speaker 16: I had just got back from Colorado, my first day
Speaker 16: back to work. He approached me because I had kind
Speaker 16: of been looking for a generator from my camper van.
Speaker 16: He approached me and tells me he's found me a
Speaker 16: camper van. He found me a generator.
Speaker 4: It was a great So what do you mean he
Speaker 4: approached you? What do you mean he approached you first
Speaker 4: of all to get it?
Speaker 16: He was where I work?
Speaker 3: Where does he work?
Speaker 9: At?
Speaker 16: The tank of ready swapped me. He was only there
Speaker 16: about two months, but he's okay, like five of us
Speaker 16: swall he was there.
Speaker 3: Oh my god.
Speaker 4: The guy can't. He just can't do anything, honestly. So
Speaker 4: you were working with.
Speaker 16: Him, Well, I wasn't working by his side.
Speaker 3: I know, I understand, but.
Speaker 16: Yeah, we worked. He's there and he was kind of
Speaker 16: a boss for the ground, so he got to know everybody. Well,
Speaker 16: so he's talking about this great generator that he bought
Speaker 16: off this guy took it off the RV. He said
Speaker 16: it would be great. Four hundred dollars and he charged
Speaker 16: me two hundred to put it on, right, Okay, he
Speaker 16: shows me a picture. I've paid three hundred, and then
Speaker 16: he comes and tells me, Wow, you're going to need
Speaker 16: a switch plate and that's another three hundred. So now
Speaker 16: you know we're up to nine hundreds.
Speaker 3: Oh my god. And this is for a generator.
Speaker 16: Right and and known in three thousand.
Speaker 3: Oh we're talking about one of those big So you're
Speaker 3: talking about the whole house generator right right? For how much?
Speaker 3: Wait a minute, how much he.
Speaker 16: Said he got it off of a guy, off of
Speaker 16: an RV that the guy was getting rid of the
Speaker 16: r How.
Speaker 3: Much, yes, how much total? How much total? Well, that's
Speaker 3: a lot of red flags. Yeah, because that's cheap.
Speaker 16: Actually right right, Wow, I'm not the only one.
Speaker 3: Do we still do?
Speaker 13: You got an updated phone number on this bomb? This
Speaker 13: guy's a real a piece of work.
Speaker 16: I got his phone number. I got his dad.
Speaker 13: Hey, Kelly, let's reach out. Let's show him how far
Speaker 13: our reach goes. Because this guy sucks in my opinion.
Speaker 3: Oh number, Yeah, we want a phone number.
Speaker 16: Okay, let me give it. I got to look it up.
Speaker 16: He's in my contact.
Speaker 3: So what he's telling you now, pound saying what? What's
Speaker 3: his what means? Did he do anything at all for
Speaker 3: the money? Did he do anything at all for the money?
Speaker 17: He tried to.
Speaker 16: He took my tire off underneath there and said, well,
Speaker 16: I won't fit with the generator. He took it off.
Speaker 3: He won't fit with Yeah, hey is that mark? Do
Speaker 3: you have an on N or do you have a
Speaker 3: bigger one? N?
Speaker 10: Mind?
Speaker 13: So what's the other big brand? The green one? Genera general? No,
Speaker 13: it's not generic.
Speaker 3: It must be an I thought was the green one?
Speaker 10: Yeah?
Speaker 11: Whatever?
Speaker 3: The green one is.
Speaker 16: Like the one that you look up like underneath your
Speaker 16: your r V or your camper van that rest your gas.
Speaker 4: Okay, So what's his phone number? Did you find his
Speaker 4: phone number?
Speaker 16: Yeah, it's five two zero seven nine four one zero nine.
Speaker 3: Does it still work?
Speaker 16: As far as I know as of a week ago,
Speaker 16: it did.
Speaker 4: Let's say that he you're saying that he ripped off
Speaker 4: how many people at work?
Speaker 16: I'm Jasmine. Her truck broke down and it was out
Speaker 16: of town. And he told her if she gave him
Speaker 16: three hundred dollars that he would have a toad and
Speaker 16: fix it.
Speaker 4: For so he got he got eight hundred from you,
Speaker 4: And how much did he get from all the other people?
Speaker 16: He got three hundred from Jasmine, he got seven hundred
Speaker 16: from Isaiah. He's got a car from a seedrow. I
Speaker 16: told Roberto his car is not where he lives. I
Speaker 16: know a Cedro's car, it's not there.
Speaker 3: This guy with the car and from.
Speaker 16: Work, he sold power tools and a generator. My boss said,
Speaker 16: did you see the generator? I said yeah. He said
Speaker 16: what color is it? I said, I saw too, there's
Speaker 16: a red one in a box.
Speaker 4: Oh my god, this guy's just a crook. What a
Speaker 4: cry mark. Isn't it amazing? Aren't it amazing how our
Speaker 4: sleeves Brigade just finds the right kind of people. And
Speaker 4: what I mean is they they always resurface doing ripoffs.
Speaker 3: You would think that they would change. Nah, they never change. Yeah,
Speaker 3: Now hold.
Speaker 4: On, hold on, Let's figure out what we can do
Speaker 4: to get this guy. We'll have Kelly reach out. Plus
Speaker 4: we'll do more right after this on The Troubleshooter Show
Speaker 4: three o three seven one three eight two five five.
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Speaker 4: call Compass Insurance. Pay too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: to seven to one.
Speaker 3: Help.
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Speaker 4: the real estate Man dot com to list your home
Speaker 4: with Remax Alliance three oh three nine two zero sixteen
Speaker 4: twenty two Hi Tom Martino here three three seven one
Speaker 4: three talk seven month three eight two five five Louri.
Speaker 4: So she had this guy, Bill van Alstein mobile mechanic
Speaker 4: rip her off several people at work. The guy's been
Speaker 4: on my sleeves brigade for years.
Speaker 3: She didn't know that. She happened to work with him.
Speaker 3: And do you know where he went, Laurie, after he
Speaker 3: got fired from there or did he quit? Did he
Speaker 3: get fired or quit?
Speaker 16: I think he resigned when he realized it was getting
Speaker 16: heavy because people wanted their money back and the boss
Speaker 16: was questioning on the generator and power tools that were gone,
Speaker 16: and he would take money out of the cash box
Speaker 16: to go get like a battery for the golf cart
Speaker 16: and then never come back with a battery and then
Speaker 16: tried to say someone saw him put it in, while
Speaker 16: that never happened. You focketed that money, too, godly?
Speaker 3: So anyway, what what plan do you have? What like?
Speaker 3: Do you know where he is?
Speaker 16: Yes, we all filed with the Sheriff's department.
Speaker 3: We had wait wait wait wait wait wait wait, did
Speaker 3: you just say he got a job with the Sheriff's department.
Speaker 16: No, we filed all I'm sorry, we filed a report.
Speaker 16: We all had to write out a statement, and we've
Speaker 16: got a case number against him.
Speaker 3: Okay.
Speaker 16: For some reason, I took a picture of where he
Speaker 16: lives is out in the desert on dirt roads with
Speaker 16: no signs. If you don't know how to get there,
Speaker 16: it's hard to find.
Speaker 3: You found, So you can serve him now.
Speaker 16: Right, Well, so I had taken pictures also of the
Speaker 16: posts out on the road, of the numbers for that
Speaker 16: area back there, because.
Speaker 3: Where does he live? Where does he live? What area?
Speaker 3: Just in general?
Speaker 16: What area west of Tucson.
Speaker 3: The Tucson Okay, so this guy isn't just man near.
Speaker 16: The Tucson of State off of eighty six off of
Speaker 16: Boss Road.
Speaker 4: Actually, yeah, okay, Now his phone number still works.
Speaker 3: Do you know?
Speaker 16: My boss told me I shouldn't talk to him at all,
Speaker 16: but a week ago it was still working.
Speaker 3: Kelly. Did you try that number? I did, yes, and
Speaker 3: I loved a message.
Speaker 4: Okay, so it was a working number. I want everyone
Speaker 4: to leave a message. I want you to let Bill
Speaker 4: van Alstein or William van Alstein.
Speaker 11: No that we know about out here he.
Speaker 3: Goes by Michael.
Speaker 16: Yeah, here.
Speaker 3: Michael on the Sleeves Brigade. He's listed as Michael.
Speaker 16: Right his picture on your Please Brigade, he looks a
Speaker 16: little bit younger, like, yeah, a little bit a lot
Speaker 16: younger actually, so he's.
Speaker 4: Way older than that picture. I got to get an
Speaker 4: updated picture. Hey, let's deputy sues or executive producer sues X.
Speaker 3: She is good at finding picks up people.
Speaker 4: Maybe we can have her dog this guy out and
Speaker 4: get a pick an updated one.
Speaker 16: He still looks the same, he just looks older. Yeah,
Speaker 16: and it's longer.
Speaker 4: Okay, you know, it's really too bad. I wish we
Speaker 4: got to Mark. We got to somehow push out this
Speaker 4: sleaze brigade more and get people looking at it. It's
Speaker 4: got pretty good rankings Seo ring Kis, but we gotta
Speaker 4: we got to really get people to look at this more.
Speaker 4: I know one time when Mark found or a couple
Speaker 4: times he finds people in a certain category and he
Speaker 4: goes out and actually is social media and pushes it
Speaker 4: to specific audiences that will come across it because they
Speaker 4: need those services at the time. And I think that's
Speaker 4: a really good way of doing it too. Three oh three,
Speaker 4: seven to one to three, talk Laurie right now. Other
Speaker 4: than getting the word out, I'm not sure, there's much
Speaker 4: we can do for you, and thank goodness you're and
Speaker 4: I know this sounds crazy, but you're only out eight hundred.
Speaker 16: Only Ray, I've lot more than that in the past.
Speaker 3: Than well.
Speaker 4: Thank you for letting us know, though. We're going to
Speaker 4: make a note of this and I'm going to update that.
Speaker 4: I want to go to r Z right now. I
Speaker 4: hope I'm saying the name right RZ. ARSI, Yes, okay,
Speaker 4: can you tell me what's going on with you?
Speaker 3: Rzi?
Speaker 10: Well, I lost.
Speaker 18: I lost my sister Cosetta, I lost my mother Theoma,
Speaker 18: I lost my dad.
Speaker 3: Oh, I remember this one, I remember this.
Speaker 4: We had a question for Dan McKenzie and we got
Speaker 4: him on ARSI has one sister.
Speaker 3: And two half brothers.
Speaker 4: His mom and oldest sister both recently passed away. He
Speaker 4: became their personal representative. But you were removed due to
Speaker 4: alleged improprieties, so that pretty much sums it up. Of course,
Speaker 4: you don't agree that you should have been removed, and
Speaker 4: I wanted to ask Dan McKenzie a couple general questions. First,
Speaker 4: Dan McKenzie, McKenzie law, thank you, by the way for
Speaker 4: being here.
Speaker 10: Dan.
Speaker 3: We appreciated all.
Speaker 4: He's an estate an attorney who can help you in Colorado,
Speaker 4: and I'll give out his contact information after this? How
Speaker 4: does someone get removed as a personal representative?
Speaker 19: Somebody, a beneficiary or maybe a creditor would have petitioned
Speaker 19: the court and said that he needed to be removed.
Speaker 3: Now do they have to have proof or that they
Speaker 3: just not like the guy? Or how does that work?
Speaker 19: I mean, I think the court, you know, this is
Speaker 19: really an equable situation where the court is gonna try
Speaker 19: and do what's beth, But yeah, they need to bring
Speaker 19: forth something and saying look, he's not doing the job
Speaker 19: or he's that is often the most common actually actually
Speaker 19: complain that the person is just not acting diligently and
Speaker 19: with enough speed. Did he tell you what the basis
Speaker 19: of was for the removal?
Speaker 7: Yeah?
Speaker 3: What exactly did they say you did?
Speaker 18: Are they faith that stole from the estate? And they've
Speaker 18: said a number of other things, And I probably shouldn't
Speaker 18: repair fort on the air.
Speaker 4: Well, you know, we don't know, we don't know names
Speaker 4: really of deceased or counties or any I mean that's
Speaker 4: up to you, you don't have to. But in general,
Speaker 4: do they have any actual paper trail for this money?
Speaker 10: She don't.
Speaker 18: They don't have a drop. Everything that they got is
Speaker 18: a damn lie.
Speaker 3: Well, okay, give me an example of one of the.
Speaker 4: Biggest lies that they have that you say is a lie.
Speaker 3: What is it?
Speaker 18: Well, they said that I stole my sister's truck. Is
Speaker 18: sitting out here in my driveway where it's always been sitting.
Speaker 18: I had to run it down and locate it.
Speaker 13: Oh well, just out of curiosity, man, let's just stick
Speaker 13: to this truck. So where was it and why did
Speaker 13: you go get it? And why did you bring it
Speaker 13: to your house?
Speaker 18: Because my sister, my oldest sister, passed away. The last
Speaker 18: time I saw, she asked me to get her truck.
Speaker 13: Okay, So before she died, she told you to go
Speaker 13: get her truck when she dies.
Speaker 18: Yeah, okay, Well yeah she didn't.
Speaker 10: I didn't.
Speaker 18: She just wanted me to go get the truck. We
Speaker 18: weren't expecting her to die.
Speaker 3: Okay, got it.
Speaker 4: And so you were using you were using the truck
Speaker 4: before she died, No, sir.
Speaker 18: No, sir, Some other people were using it some uh, because.
Speaker 10: That was a was a school teacher.
Speaker 3: Okay, so so other people.
Speaker 4: I don't want to go on a trail here other
Speaker 4: people were using it and you went and got it. Yes, okay,
Speaker 4: and you kept it at your house for how long
Speaker 4: before she died?
Speaker 18: It's still here and now No.
Speaker 4: What I meant was how long was it at your
Speaker 4: house before she died?
Speaker 18: I guess about two months?
Speaker 3: Okay? Okay?
Speaker 4: And Dan McKenzie, let me ask you this. If someone
Speaker 4: has property of a deceased person.
Speaker 3: And they die, or are they supposed to like forfeit
Speaker 3: the property or say you, by the way, I have
Speaker 3: her truck or.
Speaker 19: What I mean, it's up the personal representative to go
Speaker 19: get it.
Speaker 9: And just figure out, like, okay, why did you have it?
Speaker 19: I mean, obviously it could be on my loan or
Speaker 19: just there for sure, whatever else, sure, and then it's
Speaker 19: still there.
Speaker 9: It is personal property.
Speaker 19: People really underestimate how often it's the problem because of
Speaker 19: stuff like this, where it's just like it's there. Was
Speaker 19: it a gift to him previously or was he really
Speaker 19: just storing it?
Speaker 3: Would that be enough?
Speaker 4: Would that be enough just showing that he had her truck?
Speaker 4: Could that be enough by its appearance to get him
Speaker 4: removed as a personal representative?
Speaker 19: I mean, okay, you know, you get in front of
Speaker 19: a court, it's like, you know, you really can't predict that.
Speaker 20: Arguably it was sort of you know, it'd be a.
Speaker 19: Smart thing to do, though, right, I mean you don't
Speaker 19: want to leave it somewhere where it's unsupervised. I mean,
Speaker 19: I guess my question for him is was there a
Speaker 19: court like there should have been, like some sort of
Speaker 19: hearing that you appeared at and made this case. Did
Speaker 19: that happen?
Speaker 21: Yeah?
Speaker 3: Was there a hearing?
Speaker 18: I haven't been to any kind of hearing.
Speaker 3: Well where it supposed to go to one? Maybe ARSI
Speaker 3: did you?
Speaker 4: Let's let's start. Let's start right from the beginning. Are
Speaker 4: we talking about being removed from your mom's or your
Speaker 4: sister's estate?
Speaker 18: My mom and my sister's the state.
Speaker 3: But there were two separate estates, right right? Who died first?
Speaker 10: Oh's that? No?
Speaker 18: I'm sorry, I'm my mother?
Speaker 3: Did okay? When your mom? Hold on? One step at
Speaker 3: a time. I want to be very basic, when your
Speaker 3: mom died? Did you open probate? No? Okay? Hold on,
Speaker 3: we got more coming right up?
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Speaker 4: Yes, okay, Bill has an issue with a bankingout. But
Speaker 4: Dan McKenzie, Before we go on with that, I want
Speaker 4: to go back to this probate issue, and that is
Speaker 4: what do we do?
Speaker 3: What do you do?
Speaker 4: Usually there's a hearing, and ARSI said there was no hearing.
Speaker 4: RZI when they removed you. They had to have had
Speaker 4: some kind of a hearing. You open, you open probate,
Speaker 4: You opened probate, and what was your first duty and probate.
Speaker 4: What did you do when you open probate for your mother?
Speaker 4: What did you do? What was your first action?
Speaker 18: I got an attorney and then what, Oh my god
Speaker 18: yet dyeing and paper?
Speaker 4: Okay, you know what one of the problems we're gonna have,
Speaker 4: and I'm just gonna be straight like I have been lately.
Speaker 4: ARSI doesn't even understand what the hell's going on.
Speaker 3: Okay, I'd like to ask Dan McKenzie about structure and
Speaker 3: procedure after this.
Speaker 4: Forget RSI right now. ARSI doesn't know what the hell's
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Speaker 4: you're content. Time for an insurance check up free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your cover
Speaker 4: at dozens of insurance companies find out now three all
Speaker 4: three seven seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the Real estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three all three nine two zero sixteen twenty two.
Speaker 1: Ripped. You need advice who you don't have the.
Speaker 2: Come running Jesus as the kid show, Shooter's Gonna help come.
Speaker 3: Man six is the Troubleshooter Show. Now, Tom Martinez, Hey.
Speaker 1: That is me.
Speaker 3: I am here along with Major, Mark Major and the
Speaker 3: gang back at the studio. I'm at the I'm at
Speaker 3: the Sister Ship and we are here fighting for you.
Speaker 3: Welcome to the show. Brian Burns with some Compass insurance group.
Speaker 3: And I got to.
Speaker 4: Remind you because we've had so many calls in between.
Speaker 4: We are doing insurance checkups. So if you call three
Speaker 4: oh three nine nine to six nine thousand, their main line,
Speaker 4: they do the insurance checkups all the time and they
Speaker 4: have the Insurancehelpcenter dot com. But during this show, we
Speaker 4: like to highlight things that you have in your insurance
Speaker 4: that maybe you don't need, or maybe you're under insured,
Speaker 4: or maybe you need to drop this or add this.
Speaker 4: And what we do is a checkup basically and then
Speaker 4: see if we can save you money. About eighty five
Speaker 4: percent of the time we can save you money. But
Speaker 4: they're they're honest if they can't save you money. So
Speaker 4: I just want to know if they have any examples
Speaker 4: right now. If not, we can move on, because again
Speaker 4: I haven't been promoting it that much. But call three
Speaker 4: oh three nine niney six nine thousand and say, look,
Speaker 4: take a look at my coverage.
Speaker 3: Let me know if I can save some money. Anything
Speaker 3: going on ran.
Speaker 5: We have some that are being quoted. I don't have
Speaker 5: any examples called okay, good, so.
Speaker 3: All right, fine?
Speaker 4: Now I heard Deputy Bow asking some questions about various
Speaker 4: types of coverages when it comes to cars, and a
Speaker 4: lot of people confuse coverages.
Speaker 3: And I want to make something clear.
Speaker 4: If you have a new car or a car with
Speaker 4: a loan on it, you're required to.
Speaker 3: Have collision coverage. And collision coverage is obviously for the
Speaker 3: car itself, collision coverage. So if you have a car.
Speaker 4: Financed, you're required to have collision coverage. Now, if your
Speaker 4: car is not financed or it's older, you may choose
Speaker 4: to drop collision coverage. And if that's the case, what
Speaker 4: people are confused about. Sometimes uninsured motorists does not cover
Speaker 4: the car, Is that right, Brian?
Speaker 5: Uninsured motorist bodily injury does not, But you can get
Speaker 5: what's called uninsured motorist property damage, and uninsured motors property
Speaker 5: damage would cover the car only for the specific incident
Speaker 5: where someone hitch hits the car that does not have insurance.
Speaker 4: And by the way, that could be a good part
Speaker 4: of the time because so many people are don't have
Speaker 4: insurance or are under insured nowadays. So it's called uninsured
Speaker 4: motorist property damage.
Speaker 3: Is That's what it's called. That's what it's called.
Speaker 5: And just to clarify though, what people think sometimes will
Speaker 5: that where that will cover them as a hit and run,
Speaker 5: like someone just hits and takes off of their car,
Speaker 5: is hit in the parking lot. That is not necessarily
Speaker 5: the definition of someone being uninsured. So it really needs
Speaker 5: to be that someone does not have insurance and they
Speaker 5: hit your car and does and do damage.
Speaker 3: Toured and then pay insurance.
Speaker 13: You got one hundred thousand dollars car and they only
Speaker 13: have twenty five thousand worth your.
Speaker 5: Ensured motorist property damage. It's truly, it's not undur insured
Speaker 5: motorist property damage. It's uninsured motoris horrible coverage.
Speaker 4: Wow, bo It asked about medpay coverage and what medpay
Speaker 4: coverage is as opposed to a different what what were
Speaker 4: you comparing, bo You wanted to know the difference.
Speaker 15: Yeah, I just wanted to know the real difference in
Speaker 15: definition of medical pay unassured motors and are these separate
Speaker 15: addendums that go.
Speaker 4: Well, first of all, medpay pays whether they're insured or not,
Speaker 4: and uninsured motorists coverage Just just to to to summarize,
Speaker 4: this is for pain and suffering claims only, not.
Speaker 3: For medical bills. Is that right? But then that's a
Speaker 3: pretty good description.
Speaker 5: Yeah, medical payments is really there to provide you and
Speaker 5: like you said, it's a no fault type of coverage,
Speaker 5: so yeah, it will pay no matter what. And it's
Speaker 5: to pay for things like you know, hospital bills, those
Speaker 5: kind of things, whereas unassured motorists is more to provide
Speaker 5: you know, loss of work, loss of enjoyment, pain and suffering.
Speaker 3: Just like you said, yep, okay, Now I want to
Speaker 3: go back to Dan McKenzie. Dan, we get this all
Speaker 3: the time.
Speaker 4: People are personal representative and then they're removed.
Speaker 3: What is the normal?
Speaker 4: I'm not talking about Rz's case because r Z doesn't
Speaker 4: understand what happened. He said there was no hearing, and
Speaker 4: I assure you there was a hearing, and Dan, you
Speaker 4: know there was a hearing. He just didn't know about
Speaker 4: the hearing. Oh wait, is Dan McKenzie off the line
Speaker 4: right now.
Speaker 3: I'm trying to get him back. If you can quickly,
Speaker 3: that would be fine.
Speaker 4: Is ours still on the line, because I just what
Speaker 4: I need for ours to do is basically give us
Speaker 4: a case number. So just get a case number from
Speaker 4: him again. People, I want to make something very clear.
Speaker 4: As an interested party in an estate, when you open probate,
Speaker 4: you have certain responsibilities. Okay, you must do certain things.
Speaker 4: One of them is to read the will. Another one
Speaker 4: is to just take assessment of the property and what
Speaker 4: the estate owns, and then if you have any doubts
Speaker 4: you hire an attorney to help you. There will always
Speaker 4: be hearing your capability if any of the heirs or
Speaker 4: interested parties think you're doing something wrong. I want to
Speaker 4: move on to another call now. Bill has an issue
Speaker 4: with a bank account. Hello Bill, I'm Tom Martino. What's
Speaker 4: going on with you?
Speaker 3: Bill?
Speaker 11: Good morning, Tom, Nice to talk to you.
Speaker 3: Thank you. What's happening.
Speaker 22: Well, my wife was found out with brain cancer a
Speaker 22: couple of years ago, and she had laser surgery the
Speaker 22: first of May. But she still got bills and need
Speaker 22: to be paid, and I'm just trying to figure out
Speaker 22: how to get into her bank account because I'm not
Speaker 22: on it, and how to get into it so I
Speaker 22: can access her account and make okay?
Speaker 3: Or Bill, is she incapacitated right now?
Speaker 7: Yeah?
Speaker 11: Pretty much.
Speaker 4: You have to be appointed basically her guardian at light
Speaker 4: the correct Have you been appointed her guardian yet?
Speaker 1: Okay?
Speaker 10: Joah?
Speaker 4: Then we will need we will need Dan McKenzie again
Speaker 4: for this one for sure.
Speaker 3: But Bill, may I asked you a question. She was
Speaker 3: diagnosed when.
Speaker 22: She was diagnosed back in February twenty.
Speaker 4: Three, okay? And and what did she have?
Speaker 3: A tumor?
Speaker 22: She has three of them in her brain, the two
Speaker 22: in the frontal right low and one in the back.
Speaker 22: But they did laser surgery the sixth of May this
Speaker 22: year to try and relieve that, and it didn't know
Speaker 22: the way we were anticipating.
Speaker 3: Did it help at all?
Speaker 10: Oh?
Speaker 3: Okay? Is chemo helping at all? Bill?
Speaker 11: She's off a chemo.
Speaker 22: She was doing what do you want to call it?
Speaker 1: Uh?
Speaker 22: Some kind of immune therapy is what she was doing.
Speaker 10: That took care.
Speaker 3: It's called it's called immunotherapy, right right? But she was hot? Yeah,
Speaker 3: you know, you know, you know, cancer is near and
Speaker 3: dear to my hearts, of course, obviously, Uh, being a
Speaker 3: cancer right now, survivor so far, you guys should have
Speaker 3: had a durable power of attorney or something set up.
Speaker 4: Yeah, now, Mark, do you have something set up like that?
Speaker 3: Now? Do you have something right now? In places I don't?
Speaker 11: Yeah, yeah, we.
Speaker 22: Were really expecting this to happen because it was.
Speaker 3: Only no I know.
Speaker 4: And that's exactly, by the way, why you have it
Speaker 4: set up is because you don't expect anything. But let's
Speaker 4: get We'll get Dan McKenzie back on to discuss what
Speaker 4: to do now, because there is a procedure that you
Speaker 4: go through now to get control.
Speaker 3: Is she with it at all? Does she have her
Speaker 3: wits about her?
Speaker 22: Well, she's in a Uh she just got out of
Speaker 22: the hospital I'm gonna say probably the thirteenth of June
Speaker 22: and they put her in a rehab center.
Speaker 9: What is she?
Speaker 3: Is she cognitive or is she considered incapacitated?
Speaker 11: Well, she's not incapacitated.
Speaker 22: I wouldn't say, because you can when you can get
Speaker 22: her to wake up, she will foct you with a
Speaker 22: one verbal yes. No, I don't know.
Speaker 3: And but she really is not She really is not
Speaker 3: legally competent, is what you're saying.
Speaker 10: Correct.
Speaker 22: She's just laying in bed right now. She can't even move.
Speaker 22: I mean she moves her arms and legs, but that's it.
Speaker 22: But they're trying to do rehab on her, trying to
Speaker 22: get her back where she can.
Speaker 3: Okay, Bill, I'm so sorry. I am so sorry you're
Speaker 3: going through this. Brother, I'm so sorry. My prayers are
Speaker 3: with you. Hang on, Bill, We're going to try to
Speaker 3: get McKenzie on.
Speaker 4: I want to remind everyone Compass Insurance Group is here
Speaker 4: and they are doing quotes or insurance reviews of what
Speaker 4: you have. Somebody has a question for you, Brian, on
Speaker 4: texting and insurance coverage.
Speaker 3: They want to know if your insurance.
Speaker 4: Company found out you were texting, would it affect your
Speaker 4: coverage of anything? If they found out you were texting,
Speaker 4: could it take away some coverages?
Speaker 3: No, it would not.
Speaker 5: It Just like if someone you know had made a
Speaker 5: bad decision to drink and drive and they get into
Speaker 5: an accident, your your insurance still covers you for that.
Speaker 3: Okay, gotcha, gotcha? Okay, thank you.
Speaker 4: That's insurance talk today with a Compass insurance group. They're
Speaker 4: doing comparisons at three h three nine nine six nine thousand.
Speaker 4: Margaret what's going on with your landscape er, Margaret, go
Speaker 4: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance checkup free, no obligation. In comparison all Compass
Speaker 4: insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out now three all three seven to seven
Speaker 4: to one.
Speaker 3: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three three nine two zero sixteen
Speaker 4: twenty two.
Speaker 3: Hi Tom Martino here. You know life is complicated, Bill.
Speaker 3: Here's the deal.
Speaker 4: You're going to need to get an attorney's help to
Speaker 4: get this done properly. You may have to have the
Speaker 4: courts declare your wife legally incompetent and then have them
Speaker 4: appoint you in order to do this. Now, Deputy Doc
Speaker 4: was saying, if you could get her lucid enough to
Speaker 4: sign something in front of a notary, that might work.
Speaker 4: And by the way, it may work, Okay, it depends
Speaker 4: on how lucid she is.
Speaker 3: I mean, if she can only utter syllables or short words.
Speaker 22: And she understands when you're talking to her. I mean,
Speaker 22: you can talk to her and see you.
Speaker 3: Okay, Then you may want to try something. You may
Speaker 3: want to try something as simple as that with a
Speaker 3: durable power of returning. But I would call Dan McKenzie.
Speaker 4: For some reason, Kachina, we're not getting him on the
Speaker 4: air again, so apparently he's not there. But let me
Speaker 4: give you his phone number, sure, Dan, Dan McKenzie. It's
Speaker 4: eight three three. I'm just giving this because it's the
Speaker 4: easiest one to remember. A three three co plans, Okay,
Speaker 4: just you just spell that out on the keyboard and
Speaker 4: there's one extra. Okay, So it's eight three three co plans.
Speaker 4: His website is coplans dot co. He can really help you,
Speaker 4: and he's uh, he's a good guy for stuff like
Speaker 4: this because he can do as little or as much
Speaker 4: as you need him to do.
Speaker 3: He's just not available right now. I think he had some.
Speaker 4: Court or some some meetings, some legal meetings. So in
Speaker 4: any case, that's that's the good a good place to start.
Speaker 4: Call us with anything else you need. But you may
Speaker 4: want to try the simple route first. That's a pretty
Speaker 4: good suggestion. Okay.
Speaker 3: Now I want to talk to Margaret about a landscaper.
Speaker 4: Margaret, what is going on? What's happening? Let's talk.
Speaker 23: A lot of thanks for taking my call.
Speaker 3: What's going on?
Speaker 23: I did what you said?
Speaker 4: Now you you did what I said? Did you call
Speaker 4: before Margaret?
Speaker 10: No?
Speaker 23: I have not, But I did what you shay not
Speaker 23: to do. And I gave this guy the money upfront.
Speaker 3: Oh how much did you pay up front?
Speaker 11: Eight five?
Speaker 3: Oh lord? What what was he going to do? What
Speaker 3: was he going to do?
Speaker 9: Forty five?
Speaker 23: He was going to fence the front of our property.
Speaker 3: But why did he need so much money upfront?
Speaker 13: I to finish the job that he had her?
Speaker 3: Yeah, he said materials. Okay.
Speaker 4: So did you get anything for that money at all?
Speaker 4: Anything at all?
Speaker 23: I have one hundred and sixty holes drilled.
Speaker 3: And who did you pay this money to?
Speaker 23: The business name is Country Roots Design and.
Speaker 12: Build, Country Roofs Roots Roots Okay, design and build, Design
Speaker 12: in and Build.
Speaker 3: Okay.
Speaker 23: My name is Chance where I don't know how to
Speaker 23: say it.
Speaker 11: W E y E R where?
Speaker 3: Yeah? Chance? Okay?
Speaker 4: And how did you find him?
Speaker 23: There was a new sign advertising up on the intersection
Speaker 23: of Delbert and County Line.
Speaker 4: And so you see a new sign, and you figure what,
Speaker 4: let's take a chance. Was it a cardboard sign or
Speaker 4: a wood sign?
Speaker 17: No, it was a metal sign of oh okay, there.
Speaker 23: Signs up there. And I had gotten a previous estimate
Speaker 23: from another company that was so out of line it
Speaker 23: was pitiful. So I waited a couple months and then
Speaker 23: decided to check his prices.
Speaker 4: Okay, Now what does he say about getting how many
Speaker 4: drill holes were drilled?
Speaker 23: One hundred and sixty?
Speaker 3: So it does look like he was attempting to do something.
Speaker 3: So did you ask out of what? When was the
Speaker 3: last time he was on the job.
Speaker 23: The fifteenth of May?
Speaker 3: Oh my god? And what does he say about it?
Speaker 23: Well, now he doesn't. He's ghosting me. He doesn't return
Speaker 23: or phone calls.
Speaker 3: Oh man, do you know have you gone online and
Speaker 3: done any research on this guy?
Speaker 23: I did, and there was a couple of bad comments,
Speaker 23: and then there were a couple of okay comments.
Speaker 3: So there's nothing that's glaring that sticks out.
Speaker 7: Right.
Speaker 3: Now, where's he out of?
Speaker 23: I think he is out of deer trail? But I'm
Speaker 23: not positive.
Speaker 3: Okay, So what do you have?
Speaker 7: Their deputy d Country Roots, Design and build Out an
Speaker 7: Elizabeth Elizabeth do you think that's the same place.
Speaker 3: Probably, okay, probably.
Speaker 23: Well that's where I am. But he said he moved
Speaker 23: further out, so I'm guessing it with bear trail.
Speaker 7: You don't give a street or a mailing any Yes,
Speaker 7: it just says Elizabeth.
Speaker 3: So now here's the thing. Does his number still work?
Speaker 3: Do you know?
Speaker 11: Yes?
Speaker 23: Yes, I get voicemails.
Speaker 3: Okay, let's call right now, Kaschina. Let's call this guy
Speaker 3: and leave a really stern message. You know, the contractors
Speaker 3: trust act, et cetera, et cetera.
Speaker 4: How many times people? How many times do we have
Speaker 4: to hear this?
Speaker 3: How many times? Why? Why would you give anyone money
Speaker 3: for nothing? Why?
Speaker 4: If you're a contractor. Right now, I am telling you,
Speaker 4: I'm advising my people. Even if you're on my referral list,
Speaker 4: it doesn't matter. I am personally telling people don't put
Speaker 4: money down.
Speaker 10: Now.
Speaker 3: Can you trust people? Some of them? You can. I'm
Speaker 3: not telling you you're gonna get ripped off one of
Speaker 3: the time. Of course you're not.
Speaker 4: There are people on a referral list that probably want
Speaker 4: money down.
Speaker 3: I say, don't pay money down. That's what I say.
Speaker 4: Now, there are ways to pay money down in a
Speaker 4: safer way than others, and at least use those if
Speaker 4: it's a company that you know and trust. I mean,
Speaker 4: you know, given walls some money down is not a
Speaker 4: big deal, but given some some Joe blow eight dollars
Speaker 4: you never meted.
Speaker 3: But even people that we know and love, like smaller
Speaker 3: companies Mark, Well, that's.
Speaker 13: The guy gets hit by a truck. Though that's fine.
Speaker 13: There people are vouching for him. This is like a
Speaker 13: complete stranger.
Speaker 3: No, you're right, you're right. It's just it just doesn't
Speaker 3: make any sense.
Speaker 7: Was there a contract by any chance?
Speaker 3: Yeah, oh that's a good. Okay, you do have a
Speaker 3: written contract.
Speaker 7: And how did you pay with a checker credit card?
Speaker 23: Let's say check because there was a discount for cash.
Speaker 4: Of course, of course. Okay, hold on and we'll come
Speaker 4: right back to you. Okay, uh, well not right back
Speaker 4: to you, but we're going to discuss this and more
Speaker 4: on The Troubleshooter Show.
Speaker 3: Three O three seven one three A two five five.
Speaker 4: Go with a sure thing Denver's Best Roofer Excel roofing
Speaker 4: dot com.
Speaker 3: You don't pay a cent until you're content.
Speaker 4: Wait time for an insurance check up, free no obligation
Speaker 4: comparison call Compass insurance paying too much your coverage at
Speaker 4: dozens of insurance companies. Find out now three oh three
Speaker 4: seven seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. Hi Tom
Speaker 4: Martino here three O three seven one three talk seven
Speaker 4: one three eight two five five. Micael has an issue
Speaker 4: with a roof company. Michael, what's going on with you?
Speaker 3: Welcome? Hello, Yeah, Michael, what's happening?
Speaker 4: And by the way, on that other one, we're having
Speaker 4: a Kachina call to see if we can get this
Speaker 4: guy on the on the phone or or get some information,
Speaker 4: So so don't go away on that one, that guy
Speaker 4: that took eighty four hundred and then we'll we'll have
Speaker 4: an update from.
Speaker 7: Uh yeah, and I contacted them on their website too, so.
Speaker 3: Okay, thanks, and then Deputy D is going to give
Speaker 3: us what he found on them. Okay, So what's happening
Speaker 3: with you? Man? What's going on?
Speaker 11: There's just kind of a long drawn out story.
Speaker 4: All right, start from the beginning, and and I'll speed
Speaker 4: you along if I need to.
Speaker 3: But what happened? Go ahead?
Speaker 11: From the beginning, oh Uhri told me that let me
Speaker 11: take some freeze away from the roof, that I had
Speaker 11: soft spots. I looked around for Rufford on Google and
Speaker 11: he helped found the top rated.
Speaker 4: May I ask something, what was your reason? What was
Speaker 4: your reason for having your roof looked at? To begin with?
Speaker 11: They told me there was to spots on the roof.
Speaker 3: I understand that, but that wait wait, wait, but before
Speaker 3: someone tells you there are soft spots on the roof,
Speaker 3: you had to call someone for what reason? Was it
Speaker 3: a hailstorm?
Speaker 11: They say, also hailed down? So yes, there was a
Speaker 11: hailstorm my previous couple of months to that. Okay, go ahead, okay,
Speaker 11: well let me call let me look at a roofer
Speaker 11: and see what they say?
Speaker 10: You know?
Speaker 4: Okay, gotcha? Now I gotcha? Okay, gotcha.
Speaker 11: Aaron Tucker comes out and he inspects the roof and
Speaker 11: confirms saying this with file of insurance plane. So I
Speaker 11: filed an insurance plane. The adjuster came out of greed
Speaker 11: that they would go ahead and help it for the roof.
Speaker 11: They they estimated, Ut, what do you mean?
Speaker 3: What do you mean?
Speaker 4: Help pay for the roof? What does that mean? So
Speaker 4: you had a hailstorm a roofer said there were soft
Speaker 4: spots on his roof, and the insurance adjuster what approved
Speaker 4: the claim?
Speaker 10: Correct?
Speaker 3: For how much? Oh?
Speaker 11: They said it was going to be about twelve thousand
Speaker 11: and their part, they sent me a check for eight thousand,
Speaker 11: nine dollars and seventeen cents and that I would be
Speaker 11: responsible for the remainder per mind, got it? The deduct
Speaker 11: the bowl or whatever.
Speaker 19: And so I called Rocky Coffees.
Speaker 11: And everything's been approved and I have a check. He
Speaker 11: comes back out, has me signed a contract?
Speaker 3: And what's the name of this roof? Wait, what's the
Speaker 3: name of the roof for? Again?
Speaker 11: Fucking pop roofing?
Speaker 4: Okay, you're you're breaking up for summer? Guys, can you
Speaker 4: hear what he's saying most of it? Well, what's the
Speaker 4: name of the roof for?
Speaker 3: Then that I did not hear? Rocky Top? Is it
Speaker 3: Rocky Top?
Speaker 7: Okay?
Speaker 13: God, that's a horrible name for a roofer, right, Okay,
Speaker 13: Rocky Top?
Speaker 3: All right? So then what keep going? So so he
Speaker 3: came out and had you sign a contract. Yeah, that's
Speaker 3: a good idea.
Speaker 11: Then what he said I want that check. And uh,
Speaker 11: so I signed the check over to him.
Speaker 3: Why did you do that? Well, he said he wanted
Speaker 3: Well what.
Speaker 4: If you said he wanted What if he said he
Speaker 4: wanted your wife? I mean, what difference does it make
Speaker 4: what he wants? I mean, uh, it's he just said
Speaker 4: I want the check.
Speaker 3: Did you say for what?
Speaker 12: Oh?
Speaker 11: Yeah, you said for materials. And to get the thoughts started.
Speaker 3: And okay, By the way, I want everyone to hear
Speaker 3: this right down. I want everyone to hear this right now.
Speaker 4: Any contractor who says they need money for materials, do
Speaker 4: not use.
Speaker 3: I am saying that unequivocally, do not use.
Speaker 4: Any contractor that says they need your money to buy
Speaker 4: materials Excel roofing, for example, wouldn't take a penny from
Speaker 4: you when you sign that contract. So he said, I
Speaker 4: need that check. How much was the check? The one
Speaker 4: around eight grand? Is that the one you signed over
Speaker 4: to him?
Speaker 10: Yeah?
Speaker 11: And then okay, I wrote a.
Speaker 3: Personal check to him for okay, keep going.
Speaker 11: Then he ghosted me, and of course he did, Yeah.
Speaker 3: Hey, we've got it.
Speaker 13: Let's get him on hold and let's get a better connection.
Speaker 13: This is brutal man.
Speaker 4: Yeah, you're right, we're really having difficulty. It might be
Speaker 4: his bluetooth thing, but but let's do that. Let's get
Speaker 4: a better connection. Hold on, we'll come right back to you.
Speaker 4: I'm going to go to someone else right now.
Speaker 3: Tim says he has a follow up and he was
Speaker 3: working with Deputy Dmitri. This is a vacation, a vacation
Speaker 3: by Tim.
Speaker 4: Can you summarize what the problem was there, Dmitri?
Speaker 1: Yeah.
Speaker 7: Tim called us a couple of weeks ago because he
Speaker 7: said that he purchased a time share. He went to
Speaker 7: this hotel presentation presented by Moments of Adventure.
Speaker 3: Remember that name, Moments of Adventure. Yeah, and I think
Speaker 3: this might have been something Mark took.
Speaker 7: Yeah, I thought you were here. But any case, so
Speaker 7: he wrote a check for seventy nine hundred dollars and
Speaker 7: changed his mind a few days later.
Speaker 4: And oh, yeah, Moments of Adventure. It was a seminar
Speaker 4: he went to.
Speaker 7: Yeah, but he he gave him a check for almost
Speaker 7: eight thousand bucks.
Speaker 4: I saw a copy of seventy nine to ninety five
Speaker 4: to Moments of Adventure.
Speaker 3: And what did he get in return?
Speaker 7: Well, it sounds like he got nothing. And unfortunately, you know,
Speaker 7: Tim canceled payment on the wrong check, so Moments of
Speaker 7: Adventure was able to get the eight thousand bucks. So
Speaker 7: Moments of Adventure, what.
Speaker 3: Was he supposed to get for that money?
Speaker 7: Well, Tim thought he was buying a time share. But
Speaker 7: the more research I did on it, the less it
Speaker 7: looked like a timeshare. It kind of looked like some
Speaker 7: kind of a weird travel agency membership where you're supposed
Speaker 7: to Have you ever heard of this where you're supposed
Speaker 7: to get discounted place?
Speaker 3: Yeah, yeah, I did, of course I did. They're very common.
Speaker 4: In fact, they're doing him instead of time shares on
Speaker 4: some of them, and they proudly say we're not a timeshare.
Speaker 4: But what I can't believe is this guy, not this guy,
Speaker 4: but Tim, you know, like Tim's actually disappointed he didn't
Speaker 4: get his time share, you know, so now we're timeshare
Speaker 4: would have been just as bad. But anyway, just so
Speaker 4: you know, these travel adventure clubs is what they are.
Speaker 3: They come in all shapes and sizes. Keep going deep.
Speaker 7: Oh well, unfortunately, Moments of Adventure has neither a phone
Speaker 7: number in our address, so I couldn't get a hold
Speaker 7: of them. But I did track down one or two
Speaker 7: of their so called travel agents, and I found their
Speaker 7: email addresses somewhere on the internet, and I've been mailing
Speaker 7: them for emailing them for comment, and then Tim is
Speaker 7: going to fill us in on some of the research
Speaker 7: he did. He actually contacted the hotel where the seminar
Speaker 7: was held, or the salesperson.
Speaker 3: A good point, and what happened.
Speaker 7: Out there's another company that booked that space at the hotel.
Speaker 7: So Tim got me contact information for that other company
Speaker 7: and some guy and his phone number and.
Speaker 4: So who booked that space and was given that seminar.
Speaker 3: Supposedly, this is a.
Speaker 7: Good question for Tim.
Speaker 3: Let's Tim, what did you find out? Tim? Let's go
Speaker 3: what did you find out?
Speaker 10: I need that information anyway? What it is? I found
Speaker 10: out that American Savings Network out of time? Sure, like
Speaker 10: you said, it was a basically a vacation thing.
Speaker 3: And what is it called? American? What American?
Speaker 10: What American Savings Network is?
Speaker 3: Uh?
Speaker 10: With Moments of Adventure. Uh, there's UH. I got a
Speaker 10: call from a Brad from American Savings Network and he
Speaker 10: turned around and now said he wanted to make this
Speaker 10: right and he felt bad that he was going to
Speaker 10: direct work directly with me and UH and basically, UH,
Speaker 10: on last Friday, he said he was going to the mountains,
Speaker 10: but he sent me some things to look at a vacation.
Speaker 10: I said, I want my money back because I actually
Speaker 10: canceled it via phone the day after thinking about it.
Speaker 10: He said, well, I can't talk to you about money back,
Speaker 10: but we are willing to work with you. And he
Speaker 10: was supposed to get supposed to get back to me
Speaker 10: again today.
Speaker 3: And and what's the guy? What is the guy's name?
Speaker 10: His name is Brad? Uh been down? My internet has
Speaker 10: been down and stuff like that, and I got.
Speaker 3: What is his life? I just need to know Brad?
Speaker 3: What is Brad? Last name.
Speaker 10: Was an A.
Speaker 3: Dmitrie. Do you know it?
Speaker 7: Yeah?
Speaker 3: Hold on? What is it to me to meet mail?
Speaker 10: Yeah?
Speaker 12: You know?
Speaker 7: So he's okay, We're fine, Brad. I just have his
Speaker 7: phone number and I've been emailing him.
Speaker 3: So you do have a phone number.
Speaker 7: I do have a phone number.
Speaker 3: And what's going on?
Speaker 7: And what's going on? And now American Savings Network and
Speaker 7: Minutes of Adventure never once responded to me. But I've
Speaker 7: been well, you know, I take it back. Somebody from
Speaker 7: American Savings Network emailed me said, hey, thanks for bringing
Speaker 7: the story attention we're going to look into it. But
Speaker 7: they never responded to me with any offers to help
Speaker 7: him or any kind of a you know, any kind
Speaker 7: of a refund or anything else. But Tim today promised
Speaker 7: to give you a refund.
Speaker 16: Finally, no, they.
Speaker 10: Said, he said that he can't talk about a refund.
Speaker 10: But you want to do something to help me?
Speaker 3: What the hell does that? No?
Speaker 4: Just what the heck does that mean? I want to
Speaker 4: do something to help you? Just give the money back.
Speaker 4: So basically, what's the purpose of the call today? Were
Speaker 4: you calling to find out what we found out?
Speaker 3: Or did you have information to share with us?
Speaker 10: I wanted to call did I My internet has been
Speaker 10: down and I haven't had no radio.
Speaker 4: Okay, gotcha. I'll tell you what, Tim. We don't have anything.
Speaker 4: We don't have anything new right now.
Speaker 3: But Dimitri's making some notes to try to reint Tom.
Speaker 7: I mean, I don't think that we're gonna be We're
Speaker 7: really not going to get anywhere because these guys aren't
Speaker 7: you know, they're not responding to me.
Speaker 4: Okay, let's give a number out. Let's let's at least
Speaker 4: give a number that people book. Just bombard the hell
Speaker 4: out of them.
Speaker 3: What is it?
Speaker 7: So they sent me. So this cat named Brad England
Speaker 7: at American Savings Network Bred England.
Speaker 3: His name is Brad England A N G L I N.
Speaker 3: Is it Brad Brad Brad England A and G L
Speaker 3: I N.
Speaker 7: Yeah, if that's his real name. But he did send
Speaker 7: me his phone number.
Speaker 3: What is it in?
Speaker 7: Zero two four seven two eight seven zero nine.
Speaker 3: People.
Speaker 4: I don't know if you understand this, but this Troubleshooter
Speaker 4: Network has a pretty damn good impact when our listeners
Speaker 4: truly call.
Speaker 10: Now.
Speaker 4: I'm never asking you to harass or to be vulgar
Speaker 4: ever nor threatening, but just to say we know about you,
Speaker 4: we found out about you. We're going to let everyone
Speaker 4: we know know about you.
Speaker 3: In fact, that has way more credibility than being vulgar
Speaker 3: and being you know, crazy. You tell them, look, you know,
Speaker 3: I work in Denver, I'm an executive, or I'm this
Speaker 3: or I'm that, and I am going to let everyone
Speaker 3: we know on social media and everywhere about you because
Speaker 3: of this situation. So that's what you're doing.
Speaker 4: If you want to reference the situation, you can say
Speaker 4: it was a call to the Tom Martine Show.
Speaker 3: That's all you have to do, and give them our number.
Speaker 4: But I want to give this summer out again, and
Speaker 4: I want to implore you. I want to tell you
Speaker 4: how important you are to this process.
Speaker 3: We have been doing this for years and it really works.
Speaker 4: Okay, you let them know you heard about them, and
Speaker 4: that you're gonna let everyone know, and that you think
Speaker 4: they're deplorable seven zero two four seven two eight seven
Speaker 4: zero nine seven zero two four seven two eight seven
Speaker 4: zero nine more coming right up. Go with a sure
Speaker 4: thing Denver's best roofer Excel Roofing dot com.
Speaker 3: You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation in comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. Hey, I'm Tom Martino,
Speaker 4: your troubleshooter three three seven one three eight two five five.
Speaker 4: So let's go back to Michael, who has this roofing issue. Now, Michael,
Speaker 4: what he did after a hailstorm, had a guy come
Speaker 4: up who said, you know, you got some problems on
Speaker 4: the roof and the adjuster proof twelve grand. They were
Speaker 4: going to pay eight grand. Rocky Top roofing or demanded
Speaker 4: the money, so he gave him an insurance check plus
Speaker 4: six hundred bucks.
Speaker 3: And now he's being ghosted.
Speaker 4: So, Michael, you have not heard a word from this
Speaker 4: guy at all.
Speaker 11: Initially, okay. So I was initially ghosted, and he well, okay,
Speaker 11: and I would get a hold of him sporadically, and
Speaker 11: then he'd say, you know, I'll get you on the schedule,
Speaker 11: get you on the schedule. He finally got me on
Speaker 11: the schedule in November, so that was after three months
Speaker 11: after paying him, and the guys came out to start
Speaker 11: the roof. Now, in the process of the workers doing
Speaker 11: the roof, one of them fell through the roof and
Speaker 11: through the filling. I immediately called my insurance company and
Speaker 11: told them what happened.
Speaker 4: All right, you hold on, this is getting this is
Speaker 4: getting very interesting.
Speaker 3: You yeah, you hold on, man, We want to hear
Speaker 3: about this coming up on the Troubleshooter show.
Speaker 4: Please stick around. The guy fell through his ceiling. What's
Speaker 4: going to happen. How can we help all of that
Speaker 4: coming up? Go with a sure thing Denver's Best roofer
Speaker 4: Excel Roofing dot com. You don't pay a cent until
Speaker 4: you're content. Time for an insurance check up free, no obligation.
Speaker 4: In comparison, call help us insurance pay too much your
Speaker 4: coverage at dozens of insurance companies. Find out now three
Speaker 4: oh three seven seven to one help. You'll think you're
Speaker 4: his only customer when you choose Frank durand the real
Speaker 4: estate Man dot com to list your home with Remax
Speaker 4: Alliance three oh three nine two zero sixteen twenty two.
Speaker 1: Ript news. You needed that? Who you don't have?
Speaker 2: Come running as fast as we can.
Speaker 1: Shooter's gonna help.
Speaker 14: Come.
Speaker 3: This is the Troubleshooter Show. No Tom Martino, Hi Tom
Speaker 3: Martino here, Welcome to the show. Three oh three seven
Speaker 3: one three talk is the local number here. We also
Speaker 3: have three oh three Martino. You can call it twenty
Speaker 3: four to seven and get in on whatever show we
Speaker 3: get you in on.
Speaker 4: And we have much of the same. I say much
Speaker 4: of the same. It's so sad.
Speaker 3: You know.
Speaker 4: We have Margaret who paid eighty four hundred dollars up
Speaker 4: front ghosted.
Speaker 3: Then we have another guy that paid money.
Speaker 4: Upfront an insurance check and they started the job in November,
Speaker 4: but the guy fell through the frickin' roof.
Speaker 3: So we're going to have a lesson in Hey, Brian Burns,
Speaker 3: let's talk to you first. Brian Burns is with Compass
Speaker 3: Insurance Group. There are guests today doing the insurance Help Center,
Speaker 3: so as they do every day, but while they're here,
Speaker 3: we highlight that you can do an insurance check up
Speaker 3: by calling them directly and then they'll compare your coverages
Speaker 3: with us out there three h three nine nine six
Speaker 3: nine thousand. But here in the studio, Brian is with us.
Speaker 4: Brian, when I hire a company at my house, let's
Speaker 4: just talk about that in general, whether it be for
Speaker 4: mowing the lawn, doing the roof, building a deck, what
Speaker 4: do I have in terms of coverage?
Speaker 5: You do have premise liability, but it would have to
Speaker 5: involve some sort of negligence. I mean, these are companies
Speaker 5: that are you're hiring to come do a job, so
Speaker 5: they should have workers comp for their That's right, they should.
Speaker 3: They should.
Speaker 4: But what I'm asking you is, if I have a
Speaker 4: guy helping me build the deck, and the deck falls
Speaker 4: on them.
Speaker 3: What's that about?
Speaker 5: Yeah, that would be liability if in fact, again, what
Speaker 5: would happen is they would sue you, Your liability would
Speaker 5: step into protect you, and if you're liable, then your
Speaker 5: liability limit could protect you for that kind of thing.
Speaker 4: Okay, can you ever see a scenario where my liability
Speaker 4: coverage might refuse to cover me, Well, but the courts
Speaker 4: might say I need to pay them.
Speaker 3: That would be hard for me to imagine.
Speaker 5: Nless you have some sort of exclusion, like if this
Speaker 5: was an intentional thing or you know, something along those lines,
Speaker 5: like your kid working on it, right, right, if it's
Speaker 5: a household member, if it's someone, then your household you're
Speaker 5: not going to your liability won't cover that. But I'm
Speaker 5: saying it would be hard for me to think, like
Speaker 5: in this case that a roofer falls through that you've hired,
Speaker 5: You're like, you're not negligible for that. I mean, this
Speaker 5: is part of his job, that's what he's there to do.
Speaker 3: Okay, so let's find out what happened.
Speaker 13: But bottom line, Brian, if you got sued by him
Speaker 13: for whatever reason, they would have to defend you.
Speaker 5: They would defend you, and then if you are found liable,
Speaker 5: then that's where your your liability them it would come
Speaker 5: into play.
Speaker 4: So Michael had a hailstorm and hired Rocky Top Roofing
Speaker 4: and then they they started the job in November.
Speaker 3: Continue your story, Michael, Yeah.
Speaker 11: Okay, So they fell through the roof. I immediately called
Speaker 11: my insurance.
Speaker 4: And how many fell through the roof? How many fell
Speaker 4: through the roof? And did he get hurt?
Speaker 3: Did he get hurt?
Speaker 11: They didn't say, Well.
Speaker 13: Okay, and why was your reaction to call your insurance company.
Speaker 3: I'm just curious since.
Speaker 11: They had already since I had already paid their portion
Speaker 11: of the check to him, and I didn't know what else.
Speaker 3: To do at that point. It okay, okay, So then
Speaker 3: what and then what happened?
Speaker 11: Goes, Did they provide you a permit? And I go, no,
Speaker 11: they didn't. He goes, They're supposed to provide you a
Speaker 11: permit or post a permit immediately before they start work.
Speaker 11: And so he goes to the state website to look
Speaker 11: for a permit and find no permit pulled for my address.
Speaker 3: Well, there wouldn't be on the state website and it
Speaker 3: wouldn't be on the state website anyway, But kid, it.
Speaker 10: Was a county.
Speaker 11: It was a county for Colorado Springs, but I'll correct myself.
Speaker 11: It was a county for Colorado Springs. This happened in
Speaker 11: Colorado Springs. And when Okay, So I called the county directly,
Speaker 11: the per office, and I don't know.
Speaker 4: Why you care. I don't know why you care about
Speaker 4: a permit. What does that have to do with anything?
Speaker 3: It was his insurance aggestion.
Speaker 4: But that doesn't have anything to do with anything. Nothing, zero,
Speaker 4: It has nothing to do with coverage.
Speaker 3: But keep going. What happened?
Speaker 10: Then?
Speaker 11: Okay? So the permit guy says, well, he probably didn't
Speaker 11: give you a permit because he hasn't updated his business
Speaker 11: license and he hasn't provided us with updated liability insurance.
Speaker 4: Okay, So you want to know who's going to pay
Speaker 4: for all the damage to your house. You're not worried
Speaker 4: about the guy that got hurt. You're worried about who's
Speaker 4: going to fix your house.
Speaker 11: And I don't blame you, yeah, yeah, yea and so,
Speaker 11: and then I also called Aaron and told him what happened.
Speaker 11: And I called That was my second call, and he's like, oh, well,
Speaker 11: you know, don't worry about it. We'll fix everything at
Speaker 11: no cost to you. And you know, so that took
Speaker 11: probably most of the month before they fixed that.
Speaker 3: They did, so they hold on.
Speaker 4: They they they did fix it though, they did fix
Speaker 4: the ceiling and all of that.
Speaker 10: Yeah, they okay.
Speaker 11: And they also finished the roof. So at the okay,
Speaker 11: remember everything was done okay. And and then when I
Speaker 11: mentioned he didn't there was no permit, he goes, yes,
Speaker 11: there is, so I guess in the interim he fixed
Speaker 11: everything and did end up pulling a permit.
Speaker 4: Okay, okay, So where do we stand now? Why are
Speaker 4: you calling so?
Speaker 11: I okay, there there wasn't another problem in the roof
Speaker 11: where somebody told me that it looks like there's a
Speaker 11: crack in the rafter okay. And then he's like, well,
Speaker 11: we don't know that we did that, and we're not
Speaker 11: going to worry about that. You'd have to prove that
Speaker 11: we did that, okay. So and I talked to a
Speaker 11: real estate agent because I was also.
Speaker 3: Hey, Michael, how old is your house? How old is
Speaker 3: your house?
Speaker 11: Built in the seventies, and we were also told there's
Speaker 11: probably a besto.
Speaker 4: Do you think Michael that well the asbesia has nothing
Speaker 4: to do with the roofer. But do you think they
Speaker 4: cracked the rafter? How would they have done that by
Speaker 4: maybe overloading the roof of the materials or something.
Speaker 11: By the falster?
Speaker 10: I figured, I.
Speaker 3: Think it's more than likely.
Speaker 4: I mean, it could be through the when he fell,
Speaker 4: but it could be where they stacked you know, the
Speaker 4: bundles of roof on top of your roof.
Speaker 3: But anyway, keep going. So what happened then?
Speaker 10: Okay?
Speaker 11: So and another thing, I had people helping me fix
Speaker 11: up the house because I was also looking at selling
Speaker 11: the house. So he knew that I was trying to
Speaker 11: also sell the house. I had a real not at that.
Speaker 4: It doesn't matter what he knew. I mean, I don't
Speaker 4: know why you brought that up. But okay, so he
Speaker 4: knew you were trying to sell the house.
Speaker 3: Big deal.
Speaker 10: Okay, So.
Speaker 11: I had called around to attorneys. No attorneys really wanted
Speaker 11: to help me.
Speaker 3: Attorneys for what. You jumped right to attorneys attorneys for what?
Speaker 10: Because of the rafter?
Speaker 1: Mmm?
Speaker 3: Gotcha?
Speaker 11: Okay?
Speaker 4: Now, how much how much was it going to cost
Speaker 4: to fix that rafter?
Speaker 11: I was told that there's a whole new engineer's inspection
Speaker 11: that needed to be done and another permit pool and
Speaker 11: the engineer's inspection was about fifteen.
Speaker 3: Dollars okay, okay, how much would it how much would
Speaker 3: it cost to actually fix that all? They don't have
Speaker 3: to replace that whole rafter, They just have to reinforce
Speaker 3: it where it's cracked.
Speaker 11: Right, he said that they can sister it in.
Speaker 4: But right, that's exactly right, that's exactly right, and that's
Speaker 4: the proper term they could sister it in.
Speaker 3: So what's going on? I mean, where are we going
Speaker 3: with the story?
Speaker 10: So okay?
Speaker 11: So here it is many months later, yes, after stop
Speaker 11: and he tells me. I'm like, so, what's going on?
Speaker 11: Where are we finished here? And he tells me I
Speaker 11: have additional supplements so that I have to provide to
Speaker 11: the insurance. He give the insurance and me a bill
Speaker 11: for thirty three thousand dollars.
Speaker 10: What yeah?
Speaker 3: Yeah, but did the insurance pay it?
Speaker 10: Okay?
Speaker 11: So the initial estimate by the insurance was twelve okay,
Speaker 11: So when I gave when he gave it the insurance,
Speaker 11: the adjuster calls me and he goes, what is this?
Speaker 11: He goes, No, residential roof is thirty three thousand dollars.
Speaker 3: Well, that's not true.
Speaker 4: There are plenty of them there, There are plenty of them, don't.
Speaker 4: I don't care about that. What I care about is this.
Speaker 3: What was it for.
Speaker 11: So additional work that he's saying that he did to
Speaker 11: the house, including removal of a satellite system that we
Speaker 11: never even had. So and I even mentioned to the adjuster,
Speaker 11: and maybe the adjuster didn't catch it.
Speaker 10: I said, if.
Speaker 11: There's things that he didn't even do to this house,
Speaker 11: isn't that considered fraud? And the adjuster goes, well, yes
Speaker 11: it is, but then well, of.
Speaker 4: Course it is. Of course it is. But here's the
Speaker 4: bottom line, Michael. Your insurance didn't pay it. You don't
Speaker 4: have to pay it.
Speaker 3: If it's fraudulent, don't pay it.
Speaker 10: Okay, But they did.
Speaker 11: Okay, so they approved another three thousand, five hundred dollars,
Speaker 11: which I have to check here, I have.
Speaker 3: Another way another wait he wait, they filed supplements for
Speaker 3: thirty three thousand dollars and your insurance paid three thousand.
Speaker 11: They yes, the insurance adjuster said the most that they
Speaker 11: could approve off of there was thirty five hundred dollars.
Speaker 3: Okay for weato for good?
Speaker 1: Yeah, I don't.
Speaker 3: What are you calling about?
Speaker 11: Because he's trying to get the rest of the money
Speaker 11: from me.
Speaker 4: Okay, hold on, that's what I wanted to know. I
Speaker 4: got to take this break. So now they're coming after
Speaker 4: him for the rest of the money. What can he do?
Speaker 3: We'll talk to Brian Burns and Moore coming up on
Speaker 3: the Troubleshooter Show.
Speaker 4: Go with a sure Thing Denver's Best rufer excel roofing
Speaker 4: dot com. You don't pay a cent until you're content
Speaker 4: time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three O three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two.
Speaker 3: Hi Tom Martino here chero three Martino. Gail has a
Speaker 3: question on travel insurance. That's an interesting topic, travel insurance. Gail.
Speaker 3: What is your question?
Speaker 20: Hi Tom, Just kind of question about travel insurance. The
Speaker 20: rates very obviously probably or is there is she just
Speaker 20: go through the agency that you're with.
Speaker 4: Now are you talking It depends on what kind of
Speaker 4: travel insurance. Are you talking about insurance that you have
Speaker 4: while you're traveling, or travel insurance on the trip itself,
Speaker 4: like if you can't make it, or if it's weathered
Speaker 4: out or something like that.
Speaker 20: Yeah, something like that.
Speaker 10: Yeah.
Speaker 4: Also in other words, in other words, if you plan
Speaker 4: a big vacation for Europe and something goes wrong and
Speaker 4: you can't make it, or something happens with a cruise
Speaker 4: line or something like that, you're talking about that kind
Speaker 4: of insurance.
Speaker 13: Well, Alliance which is probably the biggest one out there,
Speaker 13: they have exactly what you're talking about, Tom, But you
Speaker 13: can also add on if you get sick or have
Speaker 13: to go to the emergency room, So you can add
Speaker 13: on that level if you want to.
Speaker 3: So what was your question, Gail, about that specific travel
Speaker 3: insurance or about that kind of insurance.
Speaker 20: Well, I just wanted to cover a basis on them.
Speaker 20: How to go about an agency? Okay, and all.
Speaker 4: Right, that's good, Like where do you buy it? And
Speaker 4: that's a great question, a good try. Are you using
Speaker 4: a travel agency? Because travel agencies are the best people
Speaker 4: you can have for referrals to those because they do
Speaker 4: so many of them.
Speaker 3: Do you have a travel agent?
Speaker 11: Yeah?
Speaker 3: Yes, did you ask your travel agent about travel insurance?
Speaker 20: We did, but we thought we'd check up just some
Speaker 20: other options.
Speaker 4: Okay, so compass insurance. You guys deal with travel insurance ever?
Speaker 4: Or do you know any good in travel insurance?
Speaker 3: We don't.
Speaker 5: We don't have anything to do with travel insurance, So
Speaker 5: I'm not a very good resource for that one.
Speaker 4: I would say I would rely on my It is
Speaker 4: such a rare form of insurance itself that I would
Speaker 4: rely on my travel agent. Have they made any recommendations
Speaker 4: to you?
Speaker 11: Yeah, they did.
Speaker 20: We kind of so it will probably end up doing that.
Speaker 11: But how much.
Speaker 3: Did they how much?
Speaker 4: How much give me an idea of their premiums? How
Speaker 4: much did they want?
Speaker 1: Uh?
Speaker 20: I didn't really get any prices. I just I just
Speaker 20: asked them and they said, yeah, we can, we can
Speaker 20: recommend you.
Speaker 3: And all as Mark said, alliance Alliance with the Z
Speaker 3: A L L I A N Z is what Mark
Speaker 3: was talking about. They are in in survey after survey,
Speaker 3: they're about the highest rated out there. That's right, the
Speaker 3: highest rated.
Speaker 13: Well, I'm not saying in general it's a good product,
Speaker 13: but if you ever did get sick in Europe, Oh man,
Speaker 13: it would cost you a fortune.
Speaker 4: And the insurance and also the trip itself. A lot
Speaker 4: of these places went out of business. Guess what drove
Speaker 4: them out of business?
Speaker 3: Remember, yeah Coch Yeah, because they couldn't cover all the trips.
Speaker 3: They just couldn't do it. That was a bad That
Speaker 3: was a bad time for travel insurance and for the
Speaker 3: cruise industry, tour guides.
Speaker 4: There were so wedding venues, there were so many places
Speaker 4: that went out of business as a result of that.
Speaker 3: It's so good.
Speaker 13: There's a good there's a good possibility. Whoever, your travel
Speaker 13: people are use Alliance by the way, they're just quoting you,
Speaker 13: and if not, they can Yeah, hey, by the way,
Speaker 13: thinking who did you use?
Speaker 3: It's so funny hearing someone say a travel agent? Who
Speaker 3: was it? What travel agency did you use? Out of curiosity?
Speaker 20: Well, Elias is who you're going with.
Speaker 3: No, what travel agency did you?
Speaker 20: Oh?
Speaker 13: I'm not what just for future reference for anybody out
Speaker 13: there listening. Actually, I'm not going to steal it from
Speaker 13: Tom because he told it to me probably fifteen twenty
Speaker 13: years ago. But I have used them so many times
Speaker 13: now I won't use them if we're just flying to like,
Speaker 13: you know, Vegas or something, but if we're going to
Speaker 13: Hawaii or if we're doing something big. I am telling
Speaker 13: you Costco Travel is absolutely amazing. During COVID when we
Speaker 13: had to cancel a pretty crazy three week Hawaiian deal,
Speaker 13: I got every cent back and I've never had any
Speaker 13: problems here weren't taken care of. And then the pricing
Speaker 13: is better than anything I've ever seen before.
Speaker 3: It's it's amazing, my mark.
Speaker 4: I couldn't believe some of the deal Stephanie fines on
Speaker 4: Costco I I I and they're the and they're all
Speaker 4: the same hotels and airlines that everyone uses.
Speaker 3: I don't know how they do it.
Speaker 4: I mean, when we look at the pricing, it's just
Speaker 4: almost impossible.
Speaker 3: They must do such an incredible volume.
Speaker 13: It has to be. It's got to be completely volume related.
Speaker 13: And then you save all this money and then next
Speaker 13: thing you know, in your mailbox there's like a five
Speaker 13: hundred dollars Costco gift card that's included in it.
Speaker 3: It's nuts, exactly.
Speaker 4: So let's go back to Michael on this on this
Speaker 4: insurance thing, because I'm here.
Speaker 3: Here's the bottom line. They're coming after him for payment.
Speaker 4: So they put in a supplement of thirty three thousand
Speaker 4: dollars a supplement, and then his insurance approved about thirty
Speaker 4: five hundred, and now they want an additional thirty grand
Speaker 4: from him. So, Michael, how are they coming after you
Speaker 4: for that money?
Speaker 21: Is?
Speaker 3: Did they put a lien on your Well, they can't
Speaker 3: put a lien. That's probably too late. How are they
Speaker 3: coming after you for it?
Speaker 10: Oh?
Speaker 11: Yeah, it is six months after the job had been completed.
Speaker 11: But he's saying that he could put a mechanic clean
Speaker 11: and foreclose against my house, and he's been harassing us,
Speaker 11: calling us favorite jing.
Speaker 3: No he can't.
Speaker 4: He can't put a lien on It's too late to
Speaker 4: put a lien on your house.
Speaker 3: Yeah, how well was it man? He said? Six months
Speaker 3: since the job.
Speaker 13: Yeah, you're he can't well put a lien on there.
Speaker 13: But eventually you're going to beat it doesn't matter there.
Speaker 4: Yeah, it's December, January, February, March, April, May. Yeah, you're right,
Speaker 4: you're right, it's May June, seven months later.
Speaker 13: He can't take you to court, I mean really, just
Speaker 13: to get to the end of the call that he's
Speaker 13: going to have to do something he's gonna have to
Speaker 13: take action and hire an attorney and come after you.
Speaker 3: Yeah, but what I want to know is what is
Speaker 3: I would be curious what is this extra thirty thousand dollars.
Speaker 11: I'd be happy to offend you the breakdown, And I
Speaker 11: believe me and my realtor were looking at it, and
Speaker 11: it looks like he's trying to charge me for his
Speaker 11: worker falling through the roof. Because he's talking about painting
Speaker 11: plaster things like that, and he didn't paint anything except
Speaker 11: for the room that the roof for falter that the
Speaker 11: worker fell through.
Speaker 3: It sounds like the guy's it sounds like he's a
Speaker 3: clown or that he's just a crook. I mean, I
Speaker 3: don't know if he is.
Speaker 11: But but mom, what realtor said that she has another
Speaker 11: client that he also worked with to do a roof for,
Speaker 11: who was also selling her health and he did the
Speaker 11: same exact thing. The worker fell through her roof. Really everything,
Speaker 11: he fixed everything, and just before the sale of her health,
Speaker 11: he threatened her to put a lean and foreclose on
Speaker 11: the house, so she paid him, even though she knew
Speaker 11: he didn't deserve the money. She paid him the money.
Speaker 11: But now she's looking to file a complaint and do every.
Speaker 3: Wait a minute to the fact, Wait a minute, are
Speaker 3: you serious? Are you telling me it was the same
Speaker 3: exact type of claim. A guy fell through the roof
Speaker 3: and it was the same roofer. Yes, you know what.
Speaker 3: I don't believe in coincidences like that. Hold on, we
Speaker 3: got more coming right up.
Speaker 4: Hold on, go with a sure thing vers best roofer
Speaker 4: Excel Roofing dot com. You don't pay a cent until
Speaker 4: you're content. Time for an insurance checkup free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three oh
Speaker 4: three seven seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the real estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three oh three nine two zero sixteen twenty two. Hi
Speaker 4: Tom Martine here three oh three seven one three talks
Speaker 4: seven one three eight two five five. You know, Michael,
Speaker 4: the more I talk to you about this roof thing,
Speaker 4: the more I think this thing could have been set up.
Speaker 4: In my opinion, let me let me explain this to you.
Speaker 4: First and foremost, you said something that was very curious.
Speaker 4: In the beginning of this call, you said, after a hailstorm,
Speaker 4: you had a roofer look at your roof Rocky Top Roofing,
Speaker 4: and they made a note that I very seldom ever
Speaker 4: hear roofing companies make a note of. They said there
Speaker 4: were soft spots on your roof.
Speaker 11: Well, I mentioned that because my friends that were helping
Speaker 11: me fix up the house cutting trees away, they told
Speaker 11: me there was a soft spot on the roof.
Speaker 3: Then that is really bad news. That is really bad.
Speaker 4: Hold on, I thought that Rocky Top Roofing mentioned it.
Speaker 4: The fact that your friends mentioned it, I'm going to
Speaker 4: tell you something, Michael.
Speaker 3: This is bad news for you because if there was a.
Speaker 4: Soft spot noted on that roof and somebody fell through it,
Speaker 4: they're going even though even though they fixed it all,
Speaker 4: they're going to claim that that was not their fault,
Speaker 4: that their work or fell through the roof.
Speaker 3: I know that's what they're going for right now. Now.
Speaker 4: The fact that you said this happened on a previous
Speaker 4: house is very, very, very curious. But that aside, if
Speaker 4: your neighbors told you there was a soft spot on
Speaker 4: the roof or two and this guy fell through the roof.
Speaker 4: It would indicate your roofing decking may have been failing
Speaker 4: in certain areas.
Speaker 3: I don't know.
Speaker 4: I'm not saying it is. I'm not saying it was,
Speaker 4: but that is very bad news for you. Does this
Speaker 4: contractor know? Did this contractor mention anything about soft spots?
Speaker 11: He agreed, and he replaced some of the deckings.
Speaker 3: Oh boy, when did the falling through happen while they
Speaker 3: were replacing the decking or after the decking was replaced?
Speaker 11: Now, while they were replacing the decking.
Speaker 3: Okay, I think you're going to be rich.
Speaker 11: Even though I have a conversation with him that said
Speaker 11: that he was going to take care of everything.
Speaker 3: And you said, you have a conversation with him, What
Speaker 3: do you mean by that? A recording?
Speaker 11: Yeah?
Speaker 3: On what.
Speaker 11: On the fall through of the roof that?
Speaker 3: He said, well, no, you have a recording? Is it
Speaker 3: a recording on your cell phone? Where's the recording?
Speaker 11: If on my cell phone?
Speaker 3: And during the conversation, he says, was our fault? We're
Speaker 3: gonna how is it worded? You have the recording? Can
Speaker 3: you play that recording?
Speaker 16: Uh?
Speaker 10: Let me see. Hold on if I can pull it
Speaker 10: up real fast.
Speaker 3: Here, this is very very interesting.
Speaker 13: Is maybe the insurance company, if it truly did have
Speaker 13: all this damage and they were going to cover it
Speaker 13: or not going to cover it, but it was related
Speaker 13: to the storm. I wonder if someone like Paragon could
Speaker 13: eyeball and maybe maybe the insurance company's a little here
Speaker 13: to blame.
Speaker 4: You're maybe the insurance cut You're right, Mark, maybe they
Speaker 4: should go back and possibly pay for this. Look, we
Speaker 4: can't automatically assume he's a scan.
Speaker 13: Sue him and they win for this roof damage. Okay, yeah,
Speaker 13: so let's say they sue him and win. Wouldn't that
Speaker 13: insurance company have to step up and defend them if
Speaker 13: they come after Ryan for the amount?
Speaker 5: Well, so here's what my first question would be on
Speaker 5: it is what caused the damage, So we'd have to
Speaker 5: look at what the invoice is. If the damage is
Speaker 5: something that is storm related or insurance related, then if
Speaker 5: they are found that they do owe this money, then
Speaker 5: they would have to pay it.
Speaker 4: Need no, oh no, oh, no, we're forgetting something.
Speaker 3: We're not talking about damage that.
Speaker 4: What we're saying is this they were in the process
Speaker 4: of replacing the decking on his roof when they fell through.
Speaker 4: So I don't think it's it was anyone's. Is that
Speaker 4: the roofer's responsibility? I think it is. It is so
Speaker 4: they were working. If they were working on the roof,
Speaker 4: If the roof was faulty and the guy fell through,
Speaker 4: that's a different story.
Speaker 13: Well, I don't think it's the liability of the guy
Speaker 13: falling through. I don't think they're hitting him with this
Speaker 13: thirty three thousand dollars because their employee was hurt. I
Speaker 13: think the thirty three thousand dollars is other work they.
Speaker 5: Did, right, And my point is is we would have
Speaker 5: to see what that is to know whether or not
Speaker 5: it's even insurance related.
Speaker 4: Now, he said, Michael said, part of that thirty three
Speaker 4: thousand mark is the damage caused by falling thro hold on.
Speaker 3: That's fine.
Speaker 13: If it is caused by the guy falling through and
Speaker 13: they're coming after him for the money, wouldn't the insurance
Speaker 13: company once again have to step up and at least
Speaker 13: defend him, because now they're saying, hey, we fell through.
Speaker 5: Your root, right, I agree with you, Yeah, but it
Speaker 5: sounds like it's not. I think we're saying two different things.
Speaker 5: They're not coming after them for the liability, like the
Speaker 5: person getting hurt. Yeah, I agree, it's just the damage
Speaker 5: that they flight.
Speaker 3: That's right. Someone has a roof done.
Speaker 13: Let's say one of these storms that just happened, ye,
Speaker 13: and all of a sudden the shingles are bad and
Speaker 13: everybody acknowledges it. The roofer comes out, then they find
Speaker 13: out it needs new decking, Then they find out it
Speaker 13: needs a new joist or whatever he said rights wrong?
Speaker 13: I mean, wouldn't generally speaking, isn't all that covered that is?
Speaker 5: Maybe maybe it is, But if it's something that's just
Speaker 5: been degragated over time, or it's poor workmanship to begin with, yeah,
Speaker 5: there could be reasons why they would exclude it. But again,
Speaker 5: that'd be a great reason to get Mad involved, and
Speaker 5: he would be able to tell you one way or
Speaker 5: another if that's what they're saying is accurate.
Speaker 4: Michael, what I we suggest you do at this point,
Speaker 4: because this is way complicated, You should call a public
Speaker 4: adjuster that we give you the name of, and have
Speaker 4: him look at the letter sent to you by the
Speaker 4: roofer or the invoice and have him give you an opinion.
Speaker 13: And the ancile letter from the insurance company on the
Speaker 13: rest of it.
Speaker 3: Yeah, if there was a denial level letter.
Speaker 4: You need to see if maybe your insurance company should
Speaker 4: be paying Rocky Top for the additional damages. But then
Speaker 4: I want to go back to another thing you said.
Speaker 4: You did say that you have a real estate.
Speaker 3: Friend who said the identical thing happened on another home.
Speaker 11: Yeah.
Speaker 4: Is she absolutely positive someone fell through the roof and
Speaker 4: he's threatened to sue the homeowner.
Speaker 11: Yeah, he's threatened to place the lead. He just before
Speaker 11: her house was closing, he called and wanted more money
Speaker 11: or he was going to lean her house, drop her sale, and.
Speaker 4: Wasn't do you know if do you know that someone
Speaker 4: actually fell through the roof.
Speaker 3: That's what she said.
Speaker 11: He said she saw the damage, the homeowner saw the
Speaker 11: damage and it went through the ceiling, correct?
Speaker 4: I why don't you gather that information? That is, there's
Speaker 4: something weird about that that even though look, I mean,
Speaker 4: there's something weird about that, truly, truly weird, even if
Speaker 4: your insurance company should be responsible if there's some kind
Speaker 4: of scam going on, did you ever tell your insurance
Speaker 4: company about this?
Speaker 11: No, I just found out this information on Friday.
Speaker 4: I would tell your insurance company about it. But although
Speaker 4: your insurance company didn't pay and did you tell the
Speaker 4: roofer you knew about it?
Speaker 3: Who would like to contact this roofer and ask about it?
Speaker 3: Would you like to do that?
Speaker 7: D Yeah, give him a call, right, I can give
Speaker 7: him a call, you know what.
Speaker 4: I want to get that previous information, Michael. Meanwhile, I
Speaker 4: still want you to contact a public adjuster, okay, And
Speaker 4: you're going to call Paragon Services Matt Stanford over there
Speaker 4: and have him help you out.
Speaker 3: Okay.
Speaker 4: I really believe he might be able to get you
Speaker 4: some coverage. But in the meantime, I want to look
Speaker 4: at the so called coincidence between this guy following this
Speaker 4: guy this roof for having someone fall.
Speaker 3: Through the roof. You know who this lady is? Can
Speaker 3: we contact her and hear it? Michael's going to give
Speaker 3: us the information, right Michael.
Speaker 10: So here's the deal.
Speaker 11: I just reached out to the agent and I actually
Speaker 11: asked her this on Friday if the other person would
Speaker 11: be willing to tell her story, you know, to group
Speaker 11: up with me to tell her story. And now I
Speaker 11: just reached out to her again because you said you're fair,
Speaker 11: you don't believe in coincidences. You're very interested and want
Speaker 11: to know about that, you know, So if she's willing.
Speaker 11: I gave her your name and number. Okay, good, good,
Speaker 11: you're when you're available, you know, ten to two?
Speaker 3: All right, we got to take this break. Okay, I
Speaker 3: gotta take this break. It's it's mandatory.
Speaker 4: Right after this, go with a sure thing Denver's Best
Speaker 4: roofer Excel Roofing dot com.
Speaker 3: You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven seven
Speaker 4: one help. You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate Man dot com to
Speaker 4: list your home with Remax Alliance three oh three nine
Speaker 4: two zero sixteen twenty two. Hi Tom Martino here three
Speaker 4: h three seven one three three two five five. Marianne,
Speaker 4: let's get started on your case. What's going on, Marianne?
Speaker 17: Oh, A nightmare? Actually, what happened a year ago? I
Speaker 17: was contacted by email mind you, by the Small Business
Speaker 17: Administration that I defaulted on a small business loan that
Speaker 17: was taken out during COVID.
Speaker 3: Oh, it sounds like a scam to me.
Speaker 4: They okay, and they were going.
Speaker 17: To garnish my social Security one hundred and sixty eight
Speaker 17: dollars and some change. I don't remember the change part,
Speaker 17: starting in September of last year, twenty twenty four. Okay,
Speaker 17: and I had to provide them with storms.
Speaker 10: Yeah.
Speaker 3: Hold on, hold on, I smell.
Speaker 4: I smell a scamca hang on, Let's see what we
Speaker 4: can do to help you. This is Marianne talking about
Speaker 4: a nightmare that happened when somebody contacted her about defaulting.
Speaker 3: On a loan. This is a cautionary tale. Let's see
Speaker 3: what we can do. I'm Tom Martino three O three
Speaker 3: seven one three eight two five five. If you want to.
Speaker 4: Get in, go with a sure thing Denver's best roofer
Speaker 4: Excel Roofing dot com.
Speaker 3: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up, free, no obligation comparison
Speaker 4: call Compass Insurance. Pay too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three, seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two, ripped.
Speaker 1: You need advice? Who you don't have to come running
Speaker 1: just as fast as we can.
Speaker 2: Shooter's gonna help come Man Dix.
Speaker 3: Is the Troubleshooter Show. Now, Tom Martino, Hi, Tom Martino here,
Speaker 3: Welcome to the show.
Speaker 4: This is the place where you can have problem solved,
Speaker 4: questions answered, complaints resolved.
Speaker 3: And you know what, we have had such a frickin
Speaker 3: busy day today, So I'm gonna go without further ado.
Speaker 3: Back to the phones. Marianne has an issue with a
Speaker 3: Small Business Administration. Here's what happened.
Speaker 4: First of all, Marianne, it all began what with a
Speaker 4: letter from supposedly from the SBA.
Speaker 3: Is that what it was?
Speaker 17: It was an email? An email from the Small Business Administration.
Speaker 17: The email male titles was PPP ID theft inquiries at
Speaker 17: the small bus at the SBA dot gov.
Speaker 3: Okay, now here's what I want to know.
Speaker 4: There are two different scenarios that happened Marianne during this time.
Speaker 4: One where people truly did have PPP loans taken out
Speaker 4: in their name fraudulently and the SBA was truly looking
Speaker 4: into them. The next scenario was when someone never had
Speaker 4: a loan taken out and it was a phishing expedition
Speaker 4: to try to get you to hit a link and
Speaker 4: submit information.
Speaker 3: I don't know which it was.
Speaker 4: Did anyone actually take a loan out in your name?
Speaker 4: Apparently yes, okay, And so what happened then?
Speaker 17: The only thing that the sd gave me was a
Speaker 17: identity theft complaint number, the only thing I have to
Speaker 17: work with, no information about the loans, no information as
Speaker 17: to the name of the business.
Speaker 3: That's pretty normal.
Speaker 13: Basically, they're going to marry in, they're going to investigate it,
Speaker 13: and they're not going to garnish your.
Speaker 3: Social Security check while they're doing that. Well, so tell
Speaker 3: me what they did. They started taking your social Security
Speaker 3: check September.
Speaker 17: The middle of September when my social Security check came out,
Speaker 17: Oh my god, was reduced one hundred and sixty eight dollars.
Speaker 21: And some change.
Speaker 3: And how long are they going to do that?
Speaker 17: They did the same thing in October and I have
Speaker 17: been fighting it and.
Speaker 3: How long are they going to how long? How much
Speaker 3: do they say you owe?
Speaker 17: They didn't tell me how much, child, Oh, I don't
Speaker 17: know how much I owe? And I have sent every
Speaker 17: document they've asked for, which was tax returns for twenty nineteen,
Speaker 17: twenty twenty twenty twenty one IRS transcript transcript sorry transcripts
Speaker 17: for the years twenty nineteen and twenty twenty and twenty
Speaker 17: twenty one. A picture of my ID and I mistakenly
Speaker 17: didn't do it correctly by trying to do a selfie
Speaker 17: with holding up my driver's license next to my face.
Speaker 17: That's on me, I guess, But the IRS form forty
Speaker 17: five six dash T.
Speaker 3: Here's the thing, Marianne wait, I'm sorry. Did you never
Speaker 3: do the id ME? She did it? That's what she said.
Speaker 3: I thought. Okay, I don't know. Did you do it
Speaker 3: id me?
Speaker 17: I have an id me account yet, Okay.
Speaker 3: When you go to the id me account, there is
Speaker 3: a tab there for accounts of things that you owe
Speaker 3: the government or the government owes you or things. Do
Speaker 3: you have you ever looked at your profile on the
Speaker 3: id ME account?
Speaker 17: I don't know how?
Speaker 3: Okay?
Speaker 1: Have you?
Speaker 4: Have you ever been able to talk to anyone at
Speaker 4: the Small Business Administration or anywhere with the government about this,
Speaker 4: like actually talk to someone?
Speaker 11: No?
Speaker 17: Why because all I have is the email address Tom.
Speaker 13: I have nothing else there's a there's a small business
Speaker 13: or an SBA office in Denver. I think it's right
Speaker 13: around nineteenth Street, and you can call over there and
Speaker 13: schedule an appointment.
Speaker 3: That's the first thing I'd get going. Now, Marion, you
Speaker 3: have no idea how much the loan was supposedly for
Speaker 3: or anything.
Speaker 17: No, they've given me no information whatsoever.
Speaker 4: You just got to notice saying that they're investigating.
Speaker 17: Took a Small Business Administration here in Denver. Seriously, I
Speaker 17: had to use GPS, and I seriously could not figure
Speaker 17: out how to get to the parking lot of the
Speaker 17: Small Business Administration in Denver.
Speaker 9: So they do not answer the phone.
Speaker 3: Yeah, it is very difficult. Okay, but you do have
Speaker 3: an account number or a case number, right, I have.
Speaker 17: A identity set complaint number. That is all I have.
Speaker 3: Man, this is terrible.
Speaker 10: Yeah.
Speaker 17: I contacted a lawyer. I was finally able to reach
Speaker 17: somebody at Robinson and Henry and paid one hundred and
Speaker 17: forty five dollar retainer for a thirty minute consultation. And
Speaker 17: the lady told me I did have a good case,
Speaker 17: but that my only recourse was to file bankruptcy against
Speaker 17: them to end this.
Speaker 3: Well, here's what she thought, She probably thought that.
Speaker 4: Would be the easiest thing to do it, except bankruptcy
Speaker 4: won't get you out of fraud. So I don't even
Speaker 4: understand what she's talking about.
Speaker 3: Fraud.
Speaker 4: This is they're coming after you for fraud. They're not
Speaker 4: coming after you for repayment. They're coming well, yeah, repayment,
Speaker 4: but they're saying it was a fraudulent loan. So bankruptcy
Speaker 4: is not going to get you out of it.
Speaker 3: You can go to that office away.
Speaker 13: It's open every day from eight am to four point
Speaker 13: thirty pm.
Speaker 16: In order.
Speaker 9: Against this, just take an uber the amount of the loan.
Speaker 17: I have to have all the information for this law. No, okay,
Speaker 17: I have nothing.
Speaker 7: Can I answer the super questions?
Speaker 3: Marianne?
Speaker 7: Do you have Do you have a small business?
Speaker 21: Don't know?
Speaker 17: No, should there's never, never, ever has a small business ever?
Speaker 4: Do you have your original the all the emails that
Speaker 4: were sent to you?
Speaker 3: Yes, I do, Hey, Doc, why don't you take a stab?
Speaker 4: Really, Doc, seriously, you work, you work a lot with
Speaker 4: seniors at aarp of him.
Speaker 13: Any information at that office on her that will never happen.
Speaker 3: God Almighty.
Speaker 6: So, Marianne, if the problem is that you can't find
Speaker 6: a parking spot. Just take an uber down there and
Speaker 6: have them drop you off.
Speaker 17: I don't trust them, you'll trust you.
Speaker 3: Don't trust who ubers? You gotta get down well wait, wait,
Speaker 3: we can't help you there, Marianne. If you can't take
Speaker 3: public transportation, for God's sakes.
Speaker 4: We can't help you. I mean, you got to go
Speaker 4: down there and make an appointment. You got to go
Speaker 4: down there and talk to them. Who don't you trust, Marianne?
Speaker 17: I will, I will see if I can get I
Speaker 17: have a the RTD for seniors.
Speaker 3: Yeah, good friends, good.
Speaker 17: I will see if I can get one of them
Speaker 17: to drop me off there.
Speaker 4: Here's why you have If you take your emails with
Speaker 4: you and your ID number, they're gonna help you. They're
Speaker 4: not going to send you away without talking to you.
Speaker 4: This is terrible. I mean, this could happen to anyone.
Speaker 4: So Mark, what do you suspect somebody took out.
Speaker 3: A loan in her name?
Speaker 13: Absolutely, and she's got to get down to that office.
Speaker 15: It's important, Marianne. I used to work for this small
Speaker 15: business administration. They're very can you and you're easy to
Speaker 15: work with. You need to get down there, and if
Speaker 15: I have to, I'd even drive you down there, But
Speaker 15: you have to go there in person and make an appointment.
Speaker 3: And I believe they will help you. I think so too.
Speaker 17: I will certainly try it because I'll print out all
Speaker 17: the emails that I.
Speaker 3: Have exactly exactly.
Speaker 17: And the responses that I gave, and do this thing I have.
Speaker 4: But let me give you a note. Let me give
Speaker 4: you a note on how to complain with them. Serious
Speaker 4: and I'm serious now, I'm not kidding. When you go
Speaker 4: down there, start you start with the idea that your
Speaker 4: social security.
Speaker 3: Is now being is now being garnished. You start there,
Speaker 3: say my social security is being garnished for money.
Speaker 4: They say I owe you. Start with that, then work backwards.
Speaker 4: Don't go back to the beginning saying I got a
Speaker 4: letter from you guys saying I was in default. Start
Speaker 4: from now and work backwards. So many people do just
Speaker 4: the opposite when it comes to complaining. They feel they
Speaker 4: have to be chronological. You can be chronological with a
Speaker 4: complaint after you give the initial complaint.
Speaker 3: The initial complaint should always.
Speaker 4: Start with today and work backwards, and then you can
Speaker 4: be chronological all you want.
Speaker 3: But I would make that appointment.
Speaker 17: Took But if they will continue the garnishment after two months.
Speaker 3: Well, when did did they stop garning? Wait? Wait wait
Speaker 3: wait wait wait did they stop garnishing?
Speaker 17: They stopped? Yes, they stopped. Not they took September, they
Speaker 17: took October and that was all.
Speaker 3: Yeah, and that okay? And why do you Mark, why
Speaker 3: do you think they stopped?
Speaker 13: Because why do you think they because she filled out
Speaker 13: the fraud claim, that's why.
Speaker 3: Okay, that didn't.
Speaker 17: Keep them from asking for more documentations.
Speaker 3: But they stopped. Obviously, obviously you hit a nerve, Marianne.
Speaker 4: You did get them to stop. That's very important.
Speaker 13: It's not even a nerve when you claim the fraud
Speaker 13: they'll quit garnishing. I mean that should have been done
Speaker 13: on your first notices. Then they wouldn't have even taken
Speaker 13: those couple months. So when will she get that money back?
Speaker 17: They contacted me last Tuesday and said that they have
Speaker 17: determined that I still oh that this is my debt
Speaker 17: to I still owe this debt. This is my debt
Speaker 17: I took out that loan.
Speaker 3: Okay, they did tell you that.
Speaker 17: At a point, and go in and find out what
Speaker 17: to do and.
Speaker 3: Possibly, okay, Marianne.
Speaker 17: Get a lawyer to help me.
Speaker 4: I guess, Well, I don't know if you need an
Speaker 4: attorney first to that business, that person a person, but.
Speaker 3: Marianne, So you expect them to start garnishing again.
Speaker 17: I do, I really do.
Speaker 4: Because they called you and they said, Marianne, we've determined
Speaker 4: this is a valid debt.
Speaker 17: Tom. They never called me. It all done by email.
Speaker 4: They contacted you and said we have determined this is
Speaker 4: a valid debt. Yeah, okay, I think then our original
Speaker 4: information was correct, even though they only took two months.
Speaker 3: You should go down there and tell them two.
Speaker 4: Months of your social security was garnished and you just
Speaker 4: got an email saying this is valid, and you're afraid
Speaker 4: they're going to start garnishing again.
Speaker 3: That is exactly what I would do.
Speaker 4: Go down there as soon as possible, and then call
Speaker 4: us back and let us know what happens.
Speaker 3: I'm Tom Martine. We have more coming up.
Speaker 4: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 4: dot com.
Speaker 3: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
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Speaker 4: to seven to one help. You'll think you're his only
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Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. Hi, Tom
Speaker 4: Martino three oh three seven one three talk seven one
Speaker 4: three two five five. Frank Ran the real estate Man
Speaker 4: will tell you what your house will sell for or
Speaker 4: give you an estimate an a not an appraisal, evaluation
Speaker 4: based on market conditions.
Speaker 3: You can depend on Frank. It's free of charge, no obligation.
Speaker 4: If you're thinking about listing Frank Durandereestate Maan dot com
Speaker 4: three o three nine two zero sixteen twenty two. Brian Burns,
Speaker 4: Do we have any comparisons to make on homeowner's insurance
Speaker 4: or auto insurance or any kind of quote quote Compass
Speaker 4: dot com or the Insurancehealthcenter dot com.
Speaker 3: What's going on? Brian?
Speaker 10: Yeah?
Speaker 5: I have one here that I thought was pretty interesting.
Speaker 5: It looks like someone called us they are with Farmers
Speaker 5: Insurance and they did not realize that. Once we actually
Speaker 5: had their declaration pages, we were able to show them
Speaker 5: that they have a two percent wind hail deductible.
Speaker 3: Explain what that is a two percent wind hail deductible.
Speaker 3: Explain that to that, So.
Speaker 5: That means whatever your dwelling limit is in this case
Speaker 5: it was six hundred thousand, a six hundred thousand dollars
Speaker 5: dwelling limit, their deductible is two percent of that wind
Speaker 5: hail deduct of that dwelling limit. So that would equate
Speaker 5: out to twelve thousand dollars deductible.
Speaker 3: For a twelve thousand dollars deductible they have, but it's
Speaker 3: worse than that.
Speaker 5: So in addition, they have what is called a roof schedule,
Speaker 5: which is essentially actual cash value settlement on the roof.
Speaker 5: The roof is thirteen years old, so they don't have
Speaker 5: roof coverage. You know, if you look at what the
Speaker 5: roof schedule amount is.
Speaker 1: By the way, a.
Speaker 3: Roof schedule means that your roof is worth this much
Speaker 3: in twenty twenty five, this much in twenty twenty six,
Speaker 3: this much in twenty twenty seven, or or how many
Speaker 3: years from new go ahead exactly, and that yeah, it
Speaker 3: shows you once your roof gets to a certain age,
Speaker 3: you have to look at what that schedule says and
Speaker 3: it will tell you what portion of the roof replacement
Speaker 3: they will pay. So ultimately, they had little to no
Speaker 3: coverage for the roof. We've put them or we got
Speaker 3: quotes at least to them for a company called Acuity
Speaker 3: and for auto home and umbrella. They didn't have an
Speaker 3: umbrella before, so we added an umbrella. We got the
Speaker 3: replacement cost on the roof, and we saved them about
Speaker 3: three hundred dollars a year.
Speaker 4: Oh my god, you got them full replacement cost above
Speaker 4: that atrocious coverage.
Speaker 3: Ye plus save the money. Do they understand how lucky
Speaker 3: they were to call you?
Speaker 1: Yeah?
Speaker 5: I think and I'm not the one that talked with them.
Speaker 5: Sometimes people will hear the three hundred dollars and think, well,
Speaker 5: that's not much of a saving. Since we try to explain,
Speaker 5: I get it, but you have replacement cost on your
Speaker 5: roof now you don't.
Speaker 4: Before they they essentially had no coverage on their roof.
Speaker 4: Had they had a hailstorm and it was a sixty
Speaker 4: thousand dollars roof.
Speaker 3: They would have covered the entire thing.
Speaker 5: Yeah, this new quote would cover the entire thing, but
Speaker 5: they before.
Speaker 3: They would have been they would have had to pay
Speaker 3: out of pocket. You got it exactly.
Speaker 5: And that's my point is it's if there was a loss,
Speaker 5: you would realize how big of a savings that is.
Speaker 5: And you know, I'm not trying to cast any illusions.
Speaker 5: As roofs get older, it is hard. It's becoming more
Speaker 5: and more difficult to find companies that will do replacement
Speaker 5: costs on that.
Speaker 3: But I think the key is.
Speaker 5: What we always try to do is we try to
Speaker 5: tell people, Hey, here's your options. Do you want a
Speaker 5: lower premium right, well, then you're going to have a
Speaker 5: higher deductible. But we make sure they understand that exactly.
Speaker 3: Let's talk to Ruby, now, Ruby, what's going on with
Speaker 3: your twenty thirteen Chevy Equinox.
Speaker 14: Okay, I'm Rubing and I live in Atlanta, Georgia. Okay,
Speaker 14: it was so, it was so about three months ago.
Speaker 9: Okay, we put.
Speaker 17: A brand new battery in it.
Speaker 16: We put a brand new battery.
Speaker 24: In it since we got it.
Speaker 17: But it won't do anything and it.
Speaker 23: Was so bad.
Speaker 14: A one also gallery a seventy two Coverton Highway, Decatur, Georgia.
Speaker 4: Hey, Ruby, when did you how long ago did you
Speaker 4: buy it?
Speaker 18: By?
Speaker 17: Three months ago?
Speaker 3: Three months? Did you have trouble from the beginning?
Speaker 9: And I had trouble from the beginning.
Speaker 16: I have tried to reach out to him, but he
Speaker 16: would not call me back. He was my daughter, it's
Speaker 16: my daughter laws.
Speaker 3: Calm, okay, how much did you pay for it?
Speaker 16: Pretty close to six thousand dollars cash?
Speaker 3: And and did you get any kind of a warranty
Speaker 3: or was it as is as ill? And did you
Speaker 3: have it checked out by anyone? No?
Speaker 23: Her and my son when he got it. But he
Speaker 23: would not answer, no cow at all.
Speaker 14: And he said, Atlanta, I'll come to the highway and
Speaker 14: I've been reaching out.
Speaker 24: Camel five, camel tooom.
Speaker 16: Please reach out to.
Speaker 21: Me and call me.
Speaker 3: My noma is say, okay, hold no, no, no, no, no, Ruby,
Speaker 3: don't give your number out right now. So so right now,
Speaker 3: your son and daughter in law bought a twenty thirteen
Speaker 3: Chevy Equinox for six grand as is And what did
Speaker 3: you have to do other than a new battery? What's
Speaker 3: wrong with it?
Speaker 14: They everybody that the mechanic that looked at say, the
Speaker 14: motor is gone.
Speaker 3: Oh oh uh oh. So they can't even drive it
Speaker 3: right now. They can't even drive it.
Speaker 23: She can't even get her test or nothing.
Speaker 3: Okay.
Speaker 4: The name of the the name of the place is
Speaker 4: what that she bought it. You said a one auto gallery.
Speaker 3: A one auto gallery, right right?
Speaker 17: Uh huh?
Speaker 4: Okay, here, I'm going to give it to someone who
Speaker 4: wants to take a shot, maybe, Bo, Hey, Bo, how
Speaker 4: about taking a shot at your Georgia accent and call
Speaker 4: down there to uh a one auto gallery at least
Speaker 4: see what they say.
Speaker 3: A Enoma you hold on, I want that.
Speaker 4: I want that number in a second here, Okay, what's
Speaker 4: the number?
Speaker 21: M h huh yeah, okay, all right, I'll tell you what.
Speaker 11: Hold on and we've been reaching out.
Speaker 4: Now listen, I want to tell you something, Okay. I
Speaker 4: just hope there may not be unless this dealer is
Speaker 4: stand up or something, we may not be able to
Speaker 4: do anything.
Speaker 3: If you bought it as is.
Speaker 4: I want to check the laws in in Georgia about
Speaker 4: as is. But I think it's going to be the
Speaker 4: same as here in Colorado. I think you may see
Speaker 4: here's the problem, Ruby. If you buy it as is,
Speaker 4: you buy it with all the trouble. You know that, right, right,
Speaker 4: So it's possible there's nothing the mecca. I mean, the
Speaker 4: dealer might say it's your problem. Okay, hold on, I
Speaker 4: got to take a break hold on, Bo, would you
Speaker 4: take this and see if we can make a call
Speaker 4: for Okay, we got more coming right up. Go with
Speaker 4: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free, no obligation. In comparison, call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven to
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 3: Hi Tom Martino here three O three seven one three
Speaker 3: talk seven one three eight two five five. Hey Victoria,
Speaker 3: what's going on with you? Hi?
Speaker 24: Do you hear me?
Speaker 3: Yes? I Ken, Victoria, what's going on with you? So?
Speaker 24: My mom and I uh started paying on a car
Speaker 24: from a dealership, and.
Speaker 20: It turns out that.
Speaker 24: The issues I'm having, multiple people are having.
Speaker 4: Okay, it's a twenty sixteen surrender. It's when did you
Speaker 4: buy it?
Speaker 24: When did we start paying on it?
Speaker 3: Yeah?
Speaker 24: November or it was late.
Speaker 4: November, okay, and that's when you bought it, right, you
Speaker 4: bought it in November, yeah, okay, And and what went
Speaker 4: wrong with it?
Speaker 24: So with that dealership, you have three days to take the.
Speaker 9: Car back, okay, and the car the car.
Speaker 24: Broke down on me on the fifth day, and so
Speaker 24: it was too late for them to do anything. So
Speaker 24: they recommended a dealership that we had warranty with.
Speaker 3: Yeah, And what happened.
Speaker 24: They had to replace the hoses. The powers like just
Speaker 24: went out on me.
Speaker 11: Like the car.
Speaker 24: Wouldn't accelerate, so they had to replace like thirty different hoses,
Speaker 24: and then the spark plugs, and then not too long later,
Speaker 24: they had to replace the spark plugs again. And the
Speaker 24: spark plugs were not the problem. And so every time
Speaker 24: the car was going in to get sixed, it was
Speaker 24: for the same thing over and over again. And so
Speaker 24: when I was on the highway, the car went out
Speaker 24: and I almost got hit by a semichuck because it
Speaker 24: just died right there.
Speaker 4: Hey, Victoria, Victoria, how many miles on this car?
Speaker 24: I don't know off the top of my head. It's
Speaker 24: a good I think it's about.
Speaker 9: Sixty thousand, okay.
Speaker 3: And another question, another question I have is did you
Speaker 3: have to pay each time you took it in.
Speaker 24: No, but we did end up paying five thousand dollars
Speaker 24: out of pocket.
Speaker 3: What wait? Wait, wait, why did you what did you
Speaker 3: pay five thousand dollars for.
Speaker 24: So many different things? And because we took it to
Speaker 24: the actual Kia dealership because since since the twenty sixteen
Speaker 24: it's more electrical, so they would have to correct parts
Speaker 24: for it, and so like a lot of things got replaced.
Speaker 24: And they said that the dealership previously that I got
Speaker 24: it from glued parts together. Oh no, and so yeah,
Speaker 24: and so they try to cover up leaks with glue
Speaker 24: and this and that. And so my mom and I
Speaker 24: paid about forty five over forty five hundred dollars fixing
Speaker 24: the car and it's still not driveable.
Speaker 3: And wait wait wait are you? Are you saying, Victoria,
Speaker 3: after paying forty five or let's say, around five grand
Speaker 3: out of pocket, it's not driveable at all or it's
Speaker 3: just poor.
Speaker 24: It's not drivable.
Speaker 3: Well, what does the dealer, okay, forget about the people
Speaker 3: that sold it to you? What does this dealers say
Speaker 3: that took five grand from you? What do they say
Speaker 3: about that if you spend five grand? What do they
Speaker 3: say about it not being driveable.
Speaker 24: They're recommending that we traded in, but a lot of
Speaker 24: people won't like get set down the trade because we
Speaker 24: still own nineteen thousand dollars on it.
Speaker 3: Oh my god, wait a minute, you own nineteen grand
Speaker 3: on it?
Speaker 24: Yeah, and the car has that in mechanic shops longer
Speaker 24: than we drove it.
Speaker 3: Okay, where did you what's the name of the dealer
Speaker 3: you bought it?
Speaker 24: Drive Time in Lakewood, Denver?
Speaker 3: Drive Time?
Speaker 7: My god, I just looked at Drivetime's website. Yeah, they
Speaker 7: actually have two things.
Speaker 3: Yeah what do they have?
Speaker 7: Five day return guarantee and they also have a thirty
Speaker 7: day fifteen hundred mile limited warranty. And it sounds like
Speaker 7: our caller may have been made have been unaware of that?
Speaker 3: Oh my god, I wait wait, so you bought it?
Speaker 3: You bought it from drive Time in Lakewood? Yes, sir,
Speaker 3: and and they say, what what do they They want
Speaker 3: you to trade it in?
Speaker 7: No, the repairing dealer wants they were to trade it in.
Speaker 4: No, No, did you did? Did drive Time in Lakewood?
Speaker 4: What did they say about this car?
Speaker 3: So?
Speaker 8: Uh?
Speaker 24: I think he's a manager. His name is Nico. I
Speaker 24: kept letting him know every time that the car was
Speaker 24: breaking down.
Speaker 4: And literally, like, how can people how honest to god
Speaker 4: look at I hold on a second, Victoria. I know
Speaker 4: a lot of people are making mistakes out there with cars,
Speaker 4: I know they are, But does that give dealers a
Speaker 4: license to cheat like this and to be to be
Speaker 4: that crooked? I mean, come on, man, it just doesn't
Speaker 4: make sense to me. I'm not saying they're lying and cheating,
Speaker 4: but it sounds to me like they knew this car
Speaker 4: might have been not in the great shape. Why didn't
Speaker 4: you take it to be checked out?
Speaker 24: So here's the thing, if you let me finish replace. Yeah,
Speaker 24: if you go on the website, you go to the
Speaker 24: review section and then there's like categories at the top.
Speaker 24: You press lowest reviews and you will see that there's
Speaker 24: multiple people having the same problems at me and people
Speaker 24: that can afford an expensive diagnostics. They got quoted almost
Speaker 24: eight thousand dollars in repairs and they said the same,
Speaker 24: like similar things that that the mechanics there were covering up.
Speaker 3: Okay, Victoria, listen, I'm not sure.
Speaker 4: I'm not sure what we can do, but we will
Speaker 4: call them for you and see, I mean, here's why
Speaker 4: you guys spent five thousand dollars on this car and
Speaker 4: it still isn't running right.
Speaker 3: Maybe we can ask them to a.
Speaker 24: Lot of people won't accept it as a trade because
Speaker 24: of the condition it's in, and it's like a risk
Speaker 24: for them.
Speaker 4: Now I understand that, let's see what we can get
Speaker 4: drive time. Maybe we can get drive time to either
Speaker 4: take it or to get it running for you. I
Speaker 4: am people, this is becoming epidemic. This is becoming, I
Speaker 4: swear to God, epidemic for people.
Speaker 3: It's so bad now. I know people are making big mistakes,
Speaker 3: but it just seems like they're being taken advantage of.
Speaker 3: How do these dealers go to sleep at night? How
Speaker 3: do they do it knowing that young people have put
Speaker 3: everything they have into this. There's gotta be some morality here.
Speaker 3: Hold on, we got hold on. We're gonna have somebody
Speaker 3: call for you. I'm gonna put Deputy d on it.
Speaker 3: Just hang on, okay, he'll be talking to you. I'm
Speaker 3: Tom Martino. We got more coming up.