Speaker 1: Yeah, ripped news didn't need advice, so you don't have.
Speaker 2: Come running.
Speaker 3: Just as fast as we can.
Speaker 1: Shooter's gonna help.
Speaker 4: Come Dix is the Troubleshooter Show.
Speaker 3: Now, Tom Martino, Hi.
Speaker 2: Tom Martino. Here, we got a full house.
Speaker 5: We got Kevin Calkin our expert today for cars, Today's
Speaker 5: Car Friday. And then I have Deputy d here, and
Speaker 5: then we have who anyone in the house, Katchina do.
Speaker 2: We have our deputies studio Tom and Doc.
Speaker 5: You can feel free to come over to the home
Speaker 5: studio anytime you want as well. I've expanded it a bit,
Speaker 5: but welcome Doc, and today is our day. We're going
Speaker 5: to try to solve your problems with cars. But of
Speaker 5: course we'll talk about any thing. Right now, Let's just
Speaker 5: go to Barry and then here's one thing I do
Speaker 5: want to mention though, that scumbag contractor has never contacted us.
Speaker 2: And he wanted to go on.
Speaker 5: He was all justin Garcia, was all put out that
Speaker 5: we were talking about and he is with a Patriot
Speaker 5: remodeling services LS.
Speaker 6: Tom, do you have an update about that?
Speaker 7: What is it?
Speaker 2: So?
Speaker 6: For the first thirty minutes of the Dan Kaplis Show,
Speaker 6: which you could hear here on kow.
Speaker 2: Yes, of course, yes, brother Justin called in.
Speaker 6: Well why, well, very interesting. Yeah, yeah, he didn't want
Speaker 6: to come on.
Speaker 2: But why did he call in?
Speaker 6: Because you were making him sound.
Speaker 3: Like that you were mean, Tom.
Speaker 2: In other words, I laid out the facts.
Speaker 5: He put down, He put down sixty, she put down
Speaker 5: sixty two thousand dollars for them, and he.
Speaker 6: Kept it yep, yep. And he admitted that. And he
Speaker 6: said everything is going to be admitted in court.
Speaker 2: For court, create in court.
Speaker 6: So why do I have to come on your program?
Speaker 6: I don't have to. I'm innocent, okay.
Speaker 5: Well, there's no innocent or guilty. It's a civil matter, righted.
Speaker 5: But it is also the Contractor's Trust Act that I
Speaker 5: believe can have some criminal criminal ramifications.
Speaker 2: Well, that could be true. Did you ask him to
Speaker 2: come on the show till today? I did?
Speaker 6: He hung up on me?
Speaker 2: How many did he call in? More than once? No?
Speaker 6: Just once? But I did have to put him on
Speaker 6: hold because we did have Darren callers, you know, because
Speaker 6: of course does calls.
Speaker 2: But he stayed on.
Speaker 6: For thirty minutes. Wow, and he finally just ended up
Speaker 6: hanging up on me.
Speaker 5: All right, Well, listen the guys a scumbag. Okay, I
Speaker 5: want I want to also talk about some other stuff.
Speaker 2: For example, we have.
Speaker 5: Issues with Federal Express that I cannot believe the nerve
Speaker 5: I hit with that post I made and with the
Speaker 5: talk on radio Federal Express ground folks just want you
Speaker 5: to know, not a good company. Okay, They're taken over
Speaker 5: by subcontractors. And I'm not the only one with these
Speaker 5: problems getting deliveries. So Barry, let's talk about your car batteries. Well, oh,
Speaker 5: I'm Tom Martinez. What's going on, Barry? Is Barry with us?
Speaker 2: Day? Barried?
Speaker 8: Yes?
Speaker 5: Yes, what's going on? Sir Barry? What's happening?
Speaker 7: See?
Speaker 5: You need to tell us your problem and we're gonna
Speaker 5: help you. What's going on? Okay, let's move on. Sorry, Barry,
Speaker 5: you had your chance. Bro I can't wait. Okay, now,
Speaker 5: if you can revive him, maybe send paramedics or something,
Speaker 5: then I will go back to him right now.
Speaker 2: Carmen, what's going on with you? Carmen? Okay, now I'm
Speaker 2: getting a complex.
Speaker 3: Kelly's still on the phone screen in that call. Let's
Speaker 3: go track back to Barry.
Speaker 9: I think he may be there.
Speaker 2: Hey, Barry, what's happening.
Speaker 10: I'm here.
Speaker 11: Can you hear me now?
Speaker 2: Okay, yes, yes I can, sir. What's going on, Barry?
Speaker 11: Yeah, a year ago I bought a replacement from Triple A.
Speaker 7: Okay?
Speaker 2: Was it roadside?
Speaker 11: They came of the house because the battery is dead.
Speaker 11: I couldn't take it.
Speaker 2: Anywhere, okay.
Speaker 11: And and then they put it in and it was fine.
Speaker 2: It was And this was last year.
Speaker 11: Yeah, it was a five battery.
Speaker 2: How much five year?
Speaker 11: Two hundred?
Speaker 2: I mean how much? How much was it the cost? Two? Okay?
Speaker 11: And this year I guess it was about a month ago.
Speaker 11: It was what hang on a second time, That's not
Speaker 11: what we're asking. I went out to start the car
Speaker 11: and it wouldn't start, couldn't couldn't get any juice to.
Speaker 2: The was it was it the battery again?
Speaker 11: Yeah, it was the battery.
Speaker 5: Well, it could be that it was never the battery,
Speaker 5: and that you still have the same problem and it
Speaker 5: takes a while for that battery you see.
Speaker 2: Sometimes correct me if I'm wrong. Kevin. Kevin does a
Speaker 2: lot of electrical work too, so you called the right place.
Speaker 5: But sometimes what happens is they they don't fully charge
Speaker 5: because of something wrong with your system, but they partially
Speaker 5: charge and it takes a long time for it to manifest.
Speaker 2: Maybe not, Kevin, is that right?
Speaker 9: No, it's entirely possible. Yeah, if it was anything else
Speaker 9: ever checked, or you just replace the battery and everything seems.
Speaker 5: Yeah, did Triple A come to your house and simply
Speaker 5: replace the battery or did they do anything else?
Speaker 11: No, they replaced the battery it.
Speaker 9: Okay, Well, you should have a good warranty on that battery.
Speaker 9: It's a good battery.
Speaker 5: Is the battery bad? Did you find out if the
Speaker 5: battery is bad?
Speaker 11: My problem is they're not honoring the warranty.
Speaker 5: Well, we have to first discern is the battery bad? Okay,
Speaker 5: it is a bad battery, that's for sure.
Speaker 11: They can't. Yes, okay, they came out and they checked
Speaker 11: it and send another person out and they checked it.
Speaker 2: Okay, and they said it And what are they saying?
Speaker 11: They said it was because I didn't drive the car
Speaker 11: every day or once a week.
Speaker 2: How much did you drive it?
Speaker 11: It was just a periodic going out and starting it
Speaker 11: started flying.
Speaker 5: Like roughly how much did you start the car over
Speaker 5: the past year that this happened since the new battery
Speaker 5: just roughly.
Speaker 12: Seven seven eight times times.
Speaker 2: Yeah, now, Kevin, that's bad. What kind of car no
Speaker 2: battery would keep a charge?
Speaker 7: Yeah?
Speaker 9: Every car has.
Speaker 5: Well, so they're kind of right, but I'm not sure.
Speaker 5: Hold on the battery. That shouldn't ruin the battery though, and.
Speaker 9: They shouldn't ruin your warranty.
Speaker 2: Yeah, that shouldn't.
Speaker 5: I mean, it's not going to keep the battery charge necessarily,
Speaker 5: but it shouldn't ruin the battery.
Speaker 2: I'm not believing. Then go ahead.
Speaker 11: We tried charging it. I tried charging it and it
Speaker 11: would go up to three volts and that was it.
Speaker 11: So it won't take a charge charge.
Speaker 9: Has anybody tried to jump it? Did Triple A try
Speaker 9: to jump start the car?
Speaker 11: I don't remember.
Speaker 5: And did you see the terms of the warranty that
Speaker 5: said you had to drive a certain amount of miles?
Speaker 11: They said it was on the back of the receipts,
Speaker 11: and I didn't keep the receipts. I never expected a battery.
Speaker 7: To go back.
Speaker 2: That's bull crap. You know what what you that's total
Speaker 2: bull crap. Okay, that's why if you can get it
Speaker 2: to me, we can get here.
Speaker 9: Because NAPA and Triple A partner in the batteries.
Speaker 2: Here's what you do, Barry.
Speaker 5: If you go to Sheridan and that's one year old battery,
Speaker 5: he'll get it replaced or he'll figure out what the
Speaker 5: real problem is. Sheridan Auto Tech. Seriously, Okay, where are you?
Speaker 5: Where are you located?
Speaker 2: Where you live?
Speaker 11: I'm there, I'm in Aurora at Parker and Yale across
Speaker 11: the Yam.
Speaker 2: You're you're You're far away.
Speaker 5: But I'm going to tell you this, okay, And I
Speaker 5: tell this to everyone when it comes to repairs and maintenance.
Speaker 5: When it's especially something like this electrical or if it's
Speaker 5: a major thing, it's well worth the drive he's on.
Speaker 5: He's on Colfax, west of Wadsworth. Please go there and
Speaker 5: see him. Three oh three, four, five, five, seventy two
Speaker 5: forty two is that right?
Speaker 11: Seventy two forty two right, So give me the address
Speaker 11: again please, It's.
Speaker 9: Seventy eight to sixty four West Cold.
Speaker 11: Sixty four West cools.
Speaker 2: Now why would they tell him that?
Speaker 9: Though I've never in my life heard that, and especially
Speaker 9: not in writing that. That's nonsense. I'd be I shouldn't
Speaker 9: say nonsense. I'd be shocked if it was written down.
Speaker 2: Yeah, So I'm interested to see what Kevin finds. He's
Speaker 2: going to check this out at no charge.
Speaker 5: But then if if it's something else, you'll have to charge.
Speaker 5: Three oh three seven one three eight two five five.
Speaker 5: Now garage fell on her car. Wow, we have to
Speaker 5: talk about that coming back. And then an issue with
Speaker 5: citywide banks. We love talking about your problems. We love
Speaker 5: better when we can solve those problems, and we'll do
Speaker 5: all of that coming up on the Troubleshooter Show. Don't
Speaker 5: forget eight eight eight heating dot Com. Now's the time
Speaker 5: to call them to check your furnace before winner. They're great, honest,
Speaker 5: good people. Yes, I love them, use them, and you
Speaker 5: know we have good companies more than one eight eight
Speaker 5: eight Heating dot Com is one of them. Three oh
Speaker 5: three seven seven zero two seven seven six Go with
Speaker 5: a sure thing Denver's best roofer Excel Roofing dot Com.
Speaker 5: You don't pay a cent until you're content. Time for
Speaker 5: an insurance check up free, no obligation. In comparison, Hall
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies find out now three oh three seven seven
Speaker 5: to one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martino, your
Speaker 5: troubleshooter three O three seven to one three talk seven
Speaker 5: one three A two five five. My goodness, Carmen reading
Speaker 5: this description, Kachina Calori put up here. That's my affectionate
Speaker 5: name for Kelly Cacerra, and whatever the heck you know
Speaker 5: that's Kachina. Anyway, Carmen, what happened? Oh my god, Oh
Speaker 5: my god, Yeah, what happened?
Speaker 13: Yeah? Okay, So I'm leaving the garage and now.
Speaker 2: You're talking about your your garage at home, right, No,
Speaker 2: this is a garage at my job. Oh, and they
Speaker 2: have the.
Speaker 13: Underground garage inside of a hotel. I work on the
Speaker 13: second floor of the building, and so the you know,
Speaker 13: the garage.
Speaker 5: So, but the parking garage is under a hotel, and
Speaker 5: then your office is above the hotel or how does
Speaker 5: that work?
Speaker 13: My office is on the second floor floor. Okay, I'm
Speaker 13: in the underground parking got it. And so I'm leaving
Speaker 13: the office and I'm driving up to I'm driving up
Speaker 13: the ramp and all of a sudden just something just
Speaker 13: fell on my car and I had I had no idea.
Speaker 2: Now where where was it?
Speaker 5: Was it while you were in the garage or just
Speaker 5: exiting the girls?
Speaker 13: I was exiting the garage, I.
Speaker 2: Was Did it? Did it fall from inside or outside?
Speaker 2: Is what I'm getting at. Did it like, did it
Speaker 2: hit you on the outside where your was your car? Outside?
Speaker 2: Or inside?
Speaker 14: Uh? Inside?
Speaker 15: Inside?
Speaker 2: Okay? What what fell.
Speaker 13: Side the garage?
Speaker 2: What fell?
Speaker 13: Apparently it was the garage door. I had no idea
Speaker 13: what fell on like?
Speaker 2: Now, did it fall or close on it? There's a difference.
Speaker 2: Did it fall or close?
Speaker 13: I don't even know. Honestly, I don't even know if it's.
Speaker 5: How does it normally? Tell me how it normally works
Speaker 5: when you're leaving? How does it normally work? Does it
Speaker 5: sense you and then roll up?
Speaker 13: Honestly, I don't even know.
Speaker 2: I didn't even know.
Speaker 12: There was a garage door.
Speaker 2: Oh wait? So normally wait, normally, that's what I'm asking.
Speaker 5: When you enter that garage, there's no door, no when
Speaker 5: and when you leave, and usually when you leave there's
Speaker 5: no door.
Speaker 2: Correct, Okay, But this time I didn't.
Speaker 5: Even know this time, right, it must have been a
Speaker 5: roll up and was it a roll up door, one
Speaker 5: of those metal doors.
Speaker 13: Yes, it is. It's a roll up door.
Speaker 11: Yeah, it's a.
Speaker 13: Roll up door.
Speaker 2: And that's why you.
Speaker 13: They told me that they had just fixed it. And
Speaker 13: so I'm driving and all of a sudden it came down.
Speaker 5: Now when it came down, do you know if it
Speaker 5: came down under control or if it dropped. Do you
Speaker 5: have any idea it dropped?
Speaker 2: I mean, it wasn't.
Speaker 5: It wasn't a slow kind of hit. It wasn't a
Speaker 5: slow kind of hit like it was like bam.
Speaker 13: Yes, it was bam. And it just crushed my windshield.
Speaker 13: My I'd see my windshield. It's shattering and it's coming
Speaker 13: towards me and retracting again. And the top of my
Speaker 13: car was wait wait wait.
Speaker 2: So then after it hit it went back up. No no, oh,
Speaker 2: I said, what did you mean by retracted again?
Speaker 13: What does that mean my windshield? I'm talking about my windshield?
Speaker 13: It hit my windshields oh, and it caved in, wield
Speaker 13: pushed cating in and then going back out.
Speaker 2: I mean, why did it go back out? Was the
Speaker 2: door still lay Was the door still laying on the windshield?
Speaker 14: Yes, yes it was.
Speaker 13: No, the door was on the roof because I was driving.
Speaker 2: Oh got it?
Speaker 13: Yeah, yes, I was moving and then it hits the
Speaker 13: wind shield.
Speaker 5: Obviously obviously the building owner or whoever they owe you, right,
Speaker 5: I mean, now your insurance.
Speaker 2: Do you have comprehensive?
Speaker 13: Oh that's that's another story. I've always had comprehensive and
Speaker 13: just these last six months because I only drive my
Speaker 13: car like twice a week. I go to work twice
Speaker 13: a week, and yeah, I drive it in my garage
Speaker 13: at home and I dropped it and all of a sudden,
Speaker 13: this thing happens to me, and I have no coverage
Speaker 13: other than okay.
Speaker 5: But the building should take care of it. How much
Speaker 5: damage do you have? I'm going to guess about four grand?
Speaker 2: No, maybe more.
Speaker 5: Oh wait, if it's the roof and the windshield, you
Speaker 5: could have like eight thousand.
Speaker 13: It's now it's up to thirteen thousand.
Speaker 2: Thou what year? What kind of car do you have?
Speaker 13: I have a twenty seventeen Subaru cross Track with ice sights.
Speaker 13: I mean, it's loaded, it's got a lot of will belgae.
Speaker 5: Well, did their insurance Carmen Let's speed through this. Did
Speaker 5: the insurance their insurance contact you? Did you talk to them.
Speaker 13: I did, okay, so I talked to you insurance company.
Speaker 13: They accepted the claim. So they told the autobody shop
Speaker 13: to fix it and if there's any additional cost charges,
Speaker 13: we'll go ahead and pay them. Well, the autobody they
Speaker 13: haven't done anything to it, they have not started working
Speaker 13: on it, and they've had it since the first of August.
Speaker 2: Listen, that's that. Listen. Listen, listen.
Speaker 5: Carmen, Carmen, Carmen, you're not going to believe this, but
Speaker 5: my daughter was parked at a building and a roofing
Speaker 5: company dropped a giant bundle on her, or dropped something
Speaker 5: on her car. It smashed the windshield, it smashed the
Speaker 5: front part of a roof and overt a.
Speaker 2: Rail they call it the rail, the support.
Speaker 5: Rail, and it caved in her No, it gouged her dash.
Speaker 5: So now listen, So immediately this company was very responsible.
Speaker 5: A supervisor came out and he waited with the car
Speaker 5: and had the windshield immediately replaced so she could at
Speaker 5: least drive.
Speaker 2: And they cleaned out the glass. Then he said take
Speaker 2: it to a body shop, get an estimate. We'll pay
Speaker 2: for it. And of course they've.
Speaker 5: Been in constant touch with me, and so I did this,
Speaker 5: but I want to explain something. This is the way
Speaker 5: I do it with body shops. I've done it with
Speaker 5: my car, and I'm doing it with hers. I call
Speaker 5: them up, this is McDonald Hyundai, and I said, listen,
Speaker 5: could you order the parts? Because she took it over
Speaker 5: there for an estimate. Order the parts. I'll pay for him.
Speaker 5: Then when they come in, let's make an appointment, because
Speaker 5: otherwise your car sits there waiting for parts. So my
Speaker 5: daughter's car is going in Monday and will be done
Speaker 5: in a few days, as opposed waiting another extra week
Speaker 5: or two for parts.
Speaker 2: I think it was two weeks.
Speaker 5: So what I'm getting at is that you left it
Speaker 5: with a body shop. Then what they do is take
Speaker 5: it apart, look at it, and they have to get approval.
Speaker 5: Then they have to order parts.
Speaker 2: Then they have to wait a lot of that's not
Speaker 2: the body shop's fault.
Speaker 5: Then they have to wait for an adjuster. It's not
Speaker 5: a body shop. But what body shop is it? Out
Speaker 5: of curiosity Auto.
Speaker 13: Nation Collision, Well, tom My concern. My concern is is
Speaker 13: after let's see, yesterday the insurance company spoke to the
Speaker 13: autobody adjuster and said, well, this is the cost is
Speaker 13: going above what we want to pay, so we are
Speaker 13: taking it to the loss you know, another section division
Speaker 13: of the insurance company, because they may total my car
Speaker 13: and I don't want that because it's paid for and
Speaker 13: I'm not going to get into a vehicle like what
Speaker 13: I have now.
Speaker 2: With Well, you don't have a choice value of it.
Speaker 2: You don't have a choice I want.
Speaker 13: Well, isn't there anything that I can do to prevent
Speaker 13: them from totling my car?
Speaker 5: There's not unless they do it unjustly. Let me explain
Speaker 5: something to you.
Speaker 2: If it will.
Speaker 5: Take let's say nineteen thousand to fix your car, and
Speaker 5: your car is worth fifteen, they have a right to
Speaker 5: pay you what your car is worth.
Speaker 2: But listen to me, Carmen.
Speaker 5: You're assuming they're not going to pay what it's worth
Speaker 5: and you're not going to be able to get another car. Technically,
Speaker 5: the way this works, they're supposed to truly make you whole.
Speaker 2: Okay, so you can replace that car. How many miles
Speaker 2: on it? What year? Tell me twenty seventeen, super, how
Speaker 2: many miles?
Speaker 13: Fifty three thousand?
Speaker 2: Okay, that's it's not that car is not a bad car.
Speaker 13: It's a bit of car. SUPERU dealership is in wanting
Speaker 13: to buy it from me. They keep treating me, but
Speaker 13: I love it. It's a bit of a really good No.
Speaker 2: I understand. And what model did she say it was? keV?
Speaker 2: What model is it? Hey? Look it up, keV? What model.
Speaker 9: It was?
Speaker 10: A cross Tech tom cross.
Speaker 13: Track cross track, Superkay cross track with the eye by sight,
Speaker 13: you know whatever?
Speaker 2: Okay? Fifty three k fifty three thousand miles? Okay, what
Speaker 2: did you pay for it? Did you buy it?
Speaker 9: News?
Speaker 2: I don't even remember, it doesn't matter.
Speaker 13: Yes, we bought a brand new I think about twenty
Speaker 13: twenty five.
Speaker 2: Yeah.
Speaker 5: Listen, you're assuming you're not going to be treated fairly,
Speaker 5: which is a good assumption. But they need to assess it,
Speaker 5: and they have a right to do it. But I
Speaker 5: want to ask something very obvious. Are they paying for
Speaker 5: a rental?
Speaker 2: Right now?
Speaker 10: Yes?
Speaker 3: They are.
Speaker 5: Then here's what I want you to do, Carmen, Carmen,
Speaker 5: you're not out of car. Don't rush him. Here's what
Speaker 5: I want you to do. We can rush him when
Speaker 5: it comes time. It's not at a bad body shop.
Speaker 5: And this company, what's the name of the insurance company?
Speaker 2: Okay?
Speaker 5: Not a bad insurance company. Not great, not bad. Here's
Speaker 5: what I would do. I would call Petty Details on
Speaker 5: our referral list and you talk to you talk to
Speaker 5: justin Petty Details. Go to Okay, get that number for
Speaker 5: Kachina if you could Petty Details now here. Let me
Speaker 5: tell you what he does. He does this all over
Speaker 5: the country for people. He evaluates their cars to make
Speaker 5: sure they get a fair price. He's going to give you,
Speaker 5: free of charge his first blush price on that car
Speaker 5: based on what it is. If it's too far off
Speaker 5: from there, then we're going to have to go to
Speaker 5: war with this insurance company. And we can tell you
Speaker 5: how to do that, but at least wait to see
Speaker 5: what they offer you. I know you love your car.
Speaker 5: Now there is another option. If they offer you an
Speaker 5: amount of money to total it and you want to
Speaker 5: buy it back, you can literally buy it back and
Speaker 5: still have some cash to go toward fixing it, but
Speaker 5: you will have to pay for the salvage to get
Speaker 5: it back.
Speaker 2: Does that make sense?
Speaker 5: For example, Let's say it's going to take twenty five
Speaker 5: or twenty to fix it, and they say, no way,
Speaker 5: we're going to total it. Okay, So let's say they
Speaker 5: total it and it's twenty and you want to get
Speaker 5: it back. They may charge you three to four grand
Speaker 5: to get it back, so you only get seventeen or sixteen.
Speaker 5: But if you can get it fixed for sixteen or seventeen,
Speaker 5: then you take the liability going forward. But keep this
Speaker 5: in mind, it's not always a good idea to do that.
Speaker 5: People who are in love with their cars, I almost
Speaker 5: always recommend they get another car. That's just my opinion,
Speaker 5: because you're never going to sell the car, You're going
Speaker 5: to be buried in it, and you will never be
Speaker 5: able to get another total loss again in an accident.
Speaker 5: So I'm just saying that the only way I would
Speaker 5: buy back salvage is if it was hail damage, because
Speaker 5: that doesn't really hurt the structure, frame or integrity of
Speaker 5: the car.
Speaker 2: But just let's take it one step at a time. Really,
Speaker 2: right now, right now, I want you to get as Kelly,
Speaker 2: make sure she gets that number for petty details.
Speaker 5: Then let's see what they offer first. Let's not just
Speaker 5: assume they're going to screw you. Okay, we got more
Speaker 5: coming up on the Troubleshooter Show three ZHO three seven
Speaker 5: to one three Talk seven one three eight two five five.
Speaker 5: Right after this, go with a sure thing Denver's Best
Speaker 5: rufer Excel roofing dot com.
Speaker 2: You don't pay a cent until you're contenth.
Speaker 5: Time for an insurance check up free no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two.
Speaker 2: Hi Tom Martino here, welcome.
Speaker 5: Get your calls in with any car problems or of course,
Speaker 5: any consumer problem, question or complaint three o three seven
Speaker 5: to one three talk, or you can call three oh
Speaker 5: three Martino three oh three six two seven eight.
Speaker 2: Four six six Steve.
Speaker 5: What is going on with city wide banks?
Speaker 2: Uh?
Speaker 13: Yeah? They How this all started was last Friday.
Speaker 11: I got an.
Speaker 14: Email from a pay Pal saying an invoice was made
Speaker 14: up for a bitcoin.
Speaker 13: And if there was a mistake, a purchased to call
Speaker 13: this numbers. So I called the number.
Speaker 2: Yeah, okay, hold on? Where would this notice came by email?
Speaker 14: And and and it looked really legitimate, and I thought, ca,
Speaker 14: have you got one?
Speaker 9: I got the exact same one?
Speaker 2: Yeah, okay, and I did.
Speaker 9: I just spammed it up.
Speaker 2: There was a phone number on it.
Speaker 9: I didn't even look there.
Speaker 2: Was there a link or just a phone number or
Speaker 2: just or both.
Speaker 13: It looked legitimate.
Speaker 14: They said, if this is a mistake, you didn't make.
Speaker 5: This, well, it doesn't matter if it looks legitimate. Most
Speaker 5: scams do so, so I mean what you would do
Speaker 5: is what I would do is look up a city
Speaker 5: bank and not use that number. But do you have
Speaker 5: a city bank account?
Speaker 11: Yeah?
Speaker 2: All right, So what happened then?
Speaker 14: What happened was just so I called the number and
Speaker 14: since I don't.
Speaker 13: Do online banking, you know, they hung up on me.
Speaker 2: Okay, what time?
Speaker 3: Well during do you know.
Speaker 2: Why they hang up? Because they can't rip you off.
Speaker 13: They had people need to be aware of this. Any
Speaker 13: disk app, man, they had me.
Speaker 14: Downloaded any desk, GIP and fl for it.
Speaker 13: I mean they were so condided.
Speaker 5: Wait a minute, Wait a minute, Wait a minute, Steve,
Speaker 5: wait a minute, wait a minute.
Speaker 2: Why why every day people get call for this? So
Speaker 2: what kind of disc wait, what kind of app? Did
Speaker 2: you download.
Speaker 14: It's called any desk.
Speaker 2: Oh, any desk? Okay, they got onto your computer and
Speaker 2: what did they do?
Speaker 7: Well?
Speaker 14: Uh, then they said, well, we need your online.
Speaker 13: Banking's account and I said, well I don't have one. Yeah,
Speaker 13: and they kept owning on one badge of me and
Speaker 13: I said, well, I don't do online banking.
Speaker 14: Eventually, you know, they hung up.
Speaker 13: You know, I'm like, huh, that's kind of weird.
Speaker 14: So I called my bank and I said, you know,
Speaker 14: what's some strange happened? And they said, they said, well,
Speaker 14: what number did you call? And they said I gave
Speaker 14: them the number. They said that's not paypalse number. They
Speaker 14: said that was a scam. So they said, well, did
Speaker 14: you give me any banking information? I said no, but
Speaker 14: they had access to my phone and they go, okay,
Speaker 14: and but there's no banking information on my phone. For
Speaker 14: see why I don't do online banking. So it's not
Speaker 14: possible for them to Now.
Speaker 2: What did you do with any hold on?
Speaker 7: Now?
Speaker 2: Man, what did you do when you downloaded any desk?
Speaker 5: Did they get did they get access to your computer?
Speaker 13: Yeah?
Speaker 5: But there's nothing in there, but cause it does not know,
Speaker 5: they're going to find something because there's probably a key
Speaker 5: logger on that computer or something. Right now, you're in danger, Steve,
Speaker 5: And I'm going to tell you right.
Speaker 13: Now you will I installed it.
Speaker 5: It doesn't matter, it doesn't it doesn't matter right now,
Speaker 5: whatever whatever information you have on your computer, I don't
Speaker 5: care if you do online banking.
Speaker 2: I don't care what it is.
Speaker 5: If it's PayPal, if it's social media, if it's anything.
Speaker 5: You need to immediately change each and every password, every
Speaker 5: single one for anything whatsoever. Okay, and the end, you
Speaker 5: need to get someone because they probably installed a key
Speaker 5: lagger or some kind of spy app that is still
Speaker 5: on your computer even though you took any desk off.
Speaker 5: If you don't do it, you will be ripped off, Steve,
Speaker 5: and you will be calling me back saying you were right, Tom.
Speaker 2: They don't go through all this trouble for nothing.
Speaker 5: If they have a contingency plan for people that don't
Speaker 5: have online they will install something on your computer that
Speaker 5: will get that that will report back to them.
Speaker 14: Well, let me tell you what happened with City banks then,
Speaker 14: so so they City Bank said.
Speaker 13: Well, let's put putt a hold on your account.
Speaker 14: For three days.
Speaker 7: That was last Friday.
Speaker 2: I said, well, Okay, why three days? How about forever? Okay?
Speaker 2: Go ahead?
Speaker 13: So so I said, okay, I said, I agree to that. Well,
Speaker 13: but there's no banking information on the.
Speaker 5: Phone that it doesn't matter. It doesn't matter. They can
Speaker 5: sign up. They know your name now, they probably have
Speaker 5: your social or something.
Speaker 2: They have your address. What they can do is sign
Speaker 2: up for accounts in your name.
Speaker 5: And then what they do is have them text a
Speaker 5: code for which now they can get for two party
Speaker 5: or for second verification.
Speaker 2: I'm telling you, Steve, you.
Speaker 5: Know what I'm done talking because you don't believe it.
Speaker 2: I don't even know why you called. Because you are
Speaker 2: not taking the steps to protect yourself. I'll see you.
Speaker 2: Take it easy and good. Good talking to you.
Speaker 5: Let me know how much they get or how much
Speaker 5: they have it they reek in your lives, because you're
Speaker 5: gonna have to get your phone washed, You're gonna have
Speaker 5: to get your computer washed, and you're gonna have to
Speaker 5: do it with an expert, because you have no idea
Speaker 5: what you're in for.
Speaker 2: They don't go through that for nothing.
Speaker 5: It could surface in a month, it could surface in
Speaker 5: a year. He keeps saying, well, I don't have anything
Speaker 5: on my phone all right, that's good. You keep it
Speaker 5: that way at probid energy dot com. If you want solar,
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Speaker 5: cent until you're content. Time for an insurance checkup free,
Speaker 5: no obligation. In comparison, call Compass Insurance. Pay too much
Speaker 5: your coverage at dozens of insurance companies find out now
Speaker 5: three oh three seven seven to one help. You'll think
Speaker 5: you're his only customer when you choose Frank durand the
Speaker 5: real estate Man dot com to list your home with
Speaker 5: Remax Alliance three oh three nine two zero sixteen twenty two. Hi,
Speaker 5: I'm Martino here three O three seven one three talk
Speaker 5: seven one three eight two five five. Got a little
Speaker 5: breather here you can get right in. You can also
Speaker 5: call three oh three Martino. You can call that twenty
Speaker 5: four to seven three oh three six two seven eight
Speaker 5: four sixty six. All right, I have some texts here,
Speaker 5: one guy says, or galagans. My insurance company told me
Speaker 5: I wasn't allowed to buy my car when it was totaled. Well, technically,
Speaker 5: when it's totaled, they don't have to sell it back
Speaker 5: to you. It's their car, so I guess they could
Speaker 5: say that. I don't know why they would, because they're
Speaker 5: just going to sell it to a salvage yard. And
Speaker 5: if they sell it to a salvage yard, they may
Speaker 5: as well sell it to you.
Speaker 2: But I don't know why. But that's true. They can
Speaker 2: do that, Tom.
Speaker 5: If you move into a rental for two years after
Speaker 5: renting it for eight years and there is a two.
Speaker 2: Hundred thousand dollars gain, you can only exclude part of it.
Speaker 5: Yeah, but you're not listening to what I said the
Speaker 5: other day. What you do is you have to live
Speaker 5: in the house two of the last five years. If
Speaker 5: you satisfy that, you get one hundred percent of that exclusion.
Speaker 5: I'm sorry, doesn't matter how long you rented it as
Speaker 5: far as I know, however, I want to double check that.
Speaker 5: So again, are we going to have any of our
Speaker 5: tax people available today?
Speaker 2: Kachina?
Speaker 5: I know Friday we were going to get who one
Speaker 5: of our estate planning attorneys?
Speaker 2: Do you we should have.
Speaker 6: Don McKenzie available today?
Speaker 2: Yeah?
Speaker 5: Now do we have any Can we call Atlas CPAs
Speaker 5: and Advisors?
Speaker 2: I would like to ask them about this. Uh, this rental,
Speaker 2: this rental thing. All right, let me work on that
Speaker 2: because I gave some advice yesterday on making tax free income.
Speaker 2: But on the do you recall what we were what
Speaker 2: we were.
Speaker 5: Going to ask the estate planning attorney attorneys? Wait, wait, wait,
Speaker 5: the quit claim deed. The quit claim deed, that's what
Speaker 5: it was. And we can also ask our accountant that too.
Speaker 5: So let me just make some show notes here, and
Speaker 5: so quit claim. We were going to ask about changing
Speaker 5: the quit claim because somebody tried to.
Speaker 2: Sub you know, you know how people.
Speaker 5: I don't know if you've heard me before, but I
Speaker 5: said it millions of times. Don't quit claim your house
Speaker 5: to your kids thinking that's the way you want to
Speaker 5: leave it to them.
Speaker 2: It's the wrong way to do it. Wrong, wrong, wrong, wrong, wrong.
Speaker 5: Do a beneficiaries deed, or do it in a just
Speaker 5: in a will or in a trust. Beneficiaries deed just
Speaker 5: transfers automatically on death.
Speaker 2: There are other ways to do it, But don't quit
Speaker 2: claim it to them.
Speaker 5: Don't have them on your deed with you, with survivor benefits,
Speaker 5: none of that, none of that.
Speaker 2: Do not do that.
Speaker 5: And we're gonna talk and see why. But one guy
Speaker 5: already did it. Now he wants to know if he
Speaker 5: can undo it. So we're gonna talk about that, and
Speaker 5: then we're gonna talk about tax free income with the
Speaker 5: tax free exemption, go with a sure thing Denver's Best
Speaker 5: roofer Excel Roofing dot com. You don't pay a cent
Speaker 5: until you're content. Time for an insurance check up free,
Speaker 5: no obligation. In comparison, call Compass Insurance paying too much
Speaker 5: your coverage at dozens of insurance companies find out now
Speaker 5: three o three seven seven to one help. You'll think
Speaker 5: you're his only customer when you choose Frank durand the
Speaker 5: real estate Man dot com to list your home with
Speaker 5: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 2: Rip you need so you don't have?
Speaker 1: Yeah, shoot, that's gonna help. Come man, This is.
Speaker 3: The Troubleshooter Show.
Speaker 5: No Tom Martino, Hi Tom Martino, your troubleshooter.
Speaker 2: Welcome to the show.
Speaker 5: Three oh three seven one three talks seven one three
Speaker 5: eight two five five Here to help you solve problems,
Speaker 5: answer questions, take complaints, and make your life.
Speaker 2: A little easier. And today is car Day.
Speaker 5: We have Kevin Calkin with us from Sheridan Auto Tech.
Speaker 5: We have Deputy Doc in the studio and then we
Speaker 5: have Deputy D here and we're trying to solve some problems. Now, Doc,
Speaker 5: were you working on any follow ups?
Speaker 2: Sir?
Speaker 10: Just still work on that dental thing.
Speaker 2: Tom, I'm trying to find Explain Explain that, I mean,
Speaker 2: this is crazy stuff. Explain that.
Speaker 16: Well, this gentleman went to Elite Dental and was not
Speaker 16: very happy with the service they performed. So he is
Speaker 16: looking to find somebody to bring a case in the meantime.
Speaker 5: Well, wait a minute, wasn't this the guy that took
Speaker 5: money and did nothing?
Speaker 2: Or is that somebody.
Speaker 10: Else that's something else?
Speaker 3: Oh?
Speaker 2: When was this one?
Speaker 10: About two weeks ago?
Speaker 2: What was his name? I don't know. It was Mohan, okay, Mohan.
Speaker 10: So Mohan had some.
Speaker 16: Work, some inferior dental work done and I had one one.
Speaker 5: Dentists a dental implant, that's what it is.
Speaker 2: So and he says it fell out and they did
Speaker 2: nothing right.
Speaker 16: So at first they wouldn't give him medical records. So
Speaker 16: we finally told them that according to state law, just
Speaker 16: because he owes the money, they do not have to.
Speaker 16: They can't withhold his medical records. So I got a
Speaker 16: hold of his medical records. I had one dentist look
Speaker 16: at it, and he was kind of iffy whether or
Speaker 16: not there was a case. So I have the name
Speaker 16: of another lawyer who specializes in.
Speaker 5: Dental I guess, I guess if some thing fell out.
Speaker 5: He we don't know what fell off, if it was
Speaker 5: the restoration.
Speaker 2: The implant came out. But but but.
Speaker 5: The records, Yeah, I mean it could be he chewed
Speaker 5: on something.
Speaker 2: Hard and broke it.
Speaker 16: I mean, he's he's claiming that the ankle went through
Speaker 16: his jaw, into his uh, into his cheek.
Speaker 10: So what that's what he's claiming.
Speaker 2: And the guy you had look at the records, what
Speaker 2: did he say?
Speaker 16: He said that the records were not very good and
Speaker 16: from what the records were, he couldn't really make a determination.
Speaker 2: So I have somebody.
Speaker 16: Who's going to give me the name of an attorney
Speaker 16: who specializes in dental malpractice, and I'm going to see
Speaker 16: if I can get Moan at half an hour interview
Speaker 16: with him to evaluate the case.
Speaker 2: So this is weird, though it is weird.
Speaker 5: He said the implant. Did anyone actually look at him?
Speaker 5: Did another dentist look at him? Yet he should go
Speaker 5: to another dent.
Speaker 10: That's what I'm trying to do.
Speaker 2: I mean, if he said.
Speaker 5: The implant the metal part went through his cheek, I
Speaker 5: don't get it.
Speaker 10: I don't even tell them.
Speaker 16: It's there's some holes in his story, and there's some
Speaker 16: complications about how he behaved with the staff at the
Speaker 16: at the clinic.
Speaker 10: So it's not just as simple he said. She said either.
Speaker 16: There's a whole bunch of confounding factors that I'm trying.
Speaker 10: To get in order.
Speaker 16: Sorry, I will give you an update as soon as
Speaker 16: I get him an interview with this dental attorney.
Speaker 2: So, Kevin, is it?
Speaker 5: Why is it that I'm hearing mostly about body shops
Speaker 5: for big delays on cars?
Speaker 2: What is it about? What is it about bodies?
Speaker 9: The parts are brutal, That's that's the biggest thing, you know,
Speaker 9: And they don't want to start on a car till
Speaker 9: all the parts are there, which is understandable. But it's
Speaker 9: like you said, you don't want to bring the car
Speaker 9: to all the parts are there, So there's got to
Speaker 9: be a middle row. You know, you can't sit a
Speaker 9: car for two months. I mean most rental you know
Speaker 9: on insurance is what thirty days, so you're out of
Speaker 9: rental and okay, so.
Speaker 5: Yeah, they're just why don't they suggest what I do?
Speaker 5: Why don't they suggest that people order the parts first?
Speaker 2: Why don't they do that?
Speaker 9: It makes too much sense, I think. I don't know.
Speaker 2: No, I mean that that would be the way to
Speaker 2: do it.
Speaker 5: I mean, try to you know, try to get your
Speaker 5: your parts in first before you bother doing everything else.
Speaker 2: I mean, you know, I mean to me, it's just logical.
Speaker 9: It makes sense. It's but I don't know why they're
Speaker 9: and they're chronically backed up. The ones that we work
Speaker 9: with are the same thing. I mean, they'll get a
Speaker 9: car in there three four weeks, you know, before they
Speaker 9: can start on them, before they can finish them sometimes.
Speaker 5: Okay, so uh three oh three Martino three all three six,
Speaker 5: two seven, eight, four sixty six. Okay, I have this
Speaker 5: particular let me see where it is. I had this
Speaker 5: one issue come up today I wanted to talk about
Speaker 5: because it's something that I said should I mean, I
Speaker 5: think it's it's amazing. Okay, So, and this is not
Speaker 5: the political part. Please, I don't care about who you
Speaker 5: want to vote for or anything. This has nothing to
Speaker 5: do with that. But it has to do with the
Speaker 5: civil case against Trump in New York.
Speaker 2: It's it's under appeal now.
Speaker 5: Trump said the half a billion dollars in fines are
Speaker 5: unjust and that the bond was too big. They reduced
Speaker 5: the bond in the appeals court. But the appeals court.
Speaker 2: Is now looking at the whole case.
Speaker 5: Now, this case was brought by the state attorney General,
Speaker 5: I believe in Or it could have been Manhattan, whatever
Speaker 5: it was.
Speaker 2: It was brought against Trump for lying on his financials.
Speaker 5: Remember that they said that he overvalued assets in order
Speaker 5: to get a loan.
Speaker 2: Now, remember he did not default on the loan. The
Speaker 2: loan was.
Speaker 5: Paid back with every cent of interest. The banks themselves did.
Speaker 2: Not want anything done about it.
Speaker 5: They did not claim they were victims, They did not
Speaker 5: press charges.
Speaker 2: They were not.
Speaker 5: They just didn't want anything done this. Basically, the prosecutor
Speaker 5: on her own decided, we're going after you for this.
Speaker 5: And here's what it was. The Attorney General Tiss James.
Speaker 5: Now what happened was the person representing the Attorney General
Speaker 5: in front of the appeals court started the argument and
Speaker 5: as soon as she started arguing for the attorney general,
Speaker 5: as soon as she started she was cut off by
Speaker 5: the judges on the appeals court and.
Speaker 2: Said, have you ever before used.
Speaker 5: This statute to upset a private business transaction that was
Speaker 5: between equally sophisticated partners. What he was saying, is the
Speaker 5: bank get you know, takes his financial statement, Trump submits
Speaker 5: his financial statement.
Speaker 2: Who are you to say that he lied? They didn't care.
Speaker 5: By the way, for those of you in business, you
Speaker 5: know when you submit a financial statement, they don't require
Speaker 5: an audited financial statement, and you know you have to
Speaker 5: say it's true, right, you know, sign something saying to
Speaker 5: the best of mind own and but you are the
Speaker 5: one that values your stuff. They ask you how many
Speaker 5: cars you have, what they're worth, furniture, appliances, you know
Speaker 5: of whatever, you know, work tools.
Speaker 2: This is on a personal loan.
Speaker 5: They might ask you in business what the real estate
Speaker 5: is worth, what certain.
Speaker 2: Things are worth.
Speaker 5: We're not talking about loans against the business. We're talking
Speaker 5: about business loans where they want to see your net worth,
Speaker 5: So your financial statement to show your net worth. We're
Speaker 5: not talking about lying on the property you get the
Speaker 5: loan for that's appraised. We're talking about when you give
Speaker 5: a picture of yourself.
Speaker 2: They want to know what you own and what you owe.
Speaker 5: So you give a value to your car, you give
Speaker 5: a value to your collectibles, you give values to stuff
Speaker 5: you own, and they're saying he overvalued.
Speaker 2: Now, the banks did not loan on that stuff. That
Speaker 2: was just a financial statement.
Speaker 5: It seems like the appeals court, although they haven't rendered
Speaker 5: a decision yet, we're very skeptical on this case and
Speaker 5: why it was brought and how it is deserves a
Speaker 5: half a billion dollar in damages when even the so
Speaker 5: called victims themselves did not ask for anything to be done.
Speaker 5: That is really an incredible case. Think about this.
Speaker 2: Okay, Constantina, what's going on?
Speaker 17: Oaker?
Speaker 13: Well, I'm having.
Speaker 12: Multiple issues here.
Speaker 18: The first main one is up in hopped offer screens
Speaker 18: of property issue.
Speaker 2: Okay, what's going on up there?
Speaker 18: So what's going on up there? Is one of my neighbors.
Speaker 18: We haven't.
Speaker 2: You have an easement? Will you have an easement that
Speaker 2: goes across your neighbor's property?
Speaker 13: It goes across our property, so they have access.
Speaker 5: To get to the Okay, So there's an easement on
Speaker 5: your property that gives them access.
Speaker 2: Okay, correct, And.
Speaker 18: It's kind of hard to explain. It's it's on the
Speaker 18: mountain side, on the backside. So as you're going, and
Speaker 18: what does it?
Speaker 5: Is it their main access to their property?
Speaker 18: Yes, okay, yes, this is the only way they can
Speaker 18: access there, but for now, for now, But they did
Speaker 18: purchase the lots next to them, which I get it.
Speaker 5: But right now there is an easement on your property
Speaker 5: to give the neighbors access to their property.
Speaker 12: Yes, okay, yes.
Speaker 18: And so in the meantime, when we spoke with my neighbors,
Speaker 18: specifically told her, hey, we're going to do a survey.
Speaker 18: I need to figure out these property lines so we
Speaker 18: can figure out what to do with this property, whether
Speaker 18: sell it.
Speaker 2: To sell what to sell your property?
Speaker 18: Yes, to sell our property in the cabin or demolish
Speaker 18: our cabin and uh do a new structure, rebuild the cabin.
Speaker 5: Right, you're trying to figure out what to do, So
Speaker 5: you want, I want to do a survey, right, hold on,
Speaker 5: and I'm gonna come right back to you.
Speaker 2: I'm Tom Martino.
Speaker 5: Any and all calls three O three seven one three
Speaker 5: talk seven one three eight two five five or three
Speaker 5: oh three Martino three O.
Speaker 2: Three six two seven eight four sixty six.
Speaker 5: Go with a sure thing. Denver's Best roofer Excel roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup free, no obligation. Comparison call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies find out now three oh three seven seven
Speaker 5: to one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martino, you're
Speaker 5: troubleshooter three all three seven one three talk three all
Speaker 5: three seven one three eight two five five. So Constantina
Speaker 5: says that there's an easement honor property to give the
Speaker 5: neighbor access to their property. And you were talking about
Speaker 5: selling your property and you want to get a survey,
Speaker 5: so continue your story.
Speaker 13: So we ended up.
Speaker 18: My neighbor knew that we were doing a survey, and
Speaker 18: it just so happened that there's a picnic that goes
Speaker 18: on every year up in Hot Offer, and she called
Speaker 18: me and asked if we were going to be good
Speaker 18: for the weekend. I told her we.
Speaker 2: Are not well.
Speaker 5: Without all I don't need to know the conversation back
Speaker 5: and forth, just get to the meat of this about
Speaker 5: the survey. Though, I understand you want to tell me everything,
Speaker 5: but I'll ask questions. What about the survey and whether
Speaker 5: you're going to the cookout or not? I don't really care.
Speaker 5: So what about the survey?
Speaker 18: So when we did the survey, it shows obviously that
Speaker 18: this is our lot and the easement, it's the eavenent
Speaker 18: is on our lot. But it gives them access to their.
Speaker 2: Property of course.
Speaker 10: Yeah, what.
Speaker 18: She excavated the easement which is our lot that has
Speaker 18: caused erosion.
Speaker 2: Now, what do you mean they excavated it? What does
Speaker 2: that mean? They? What do they do?
Speaker 13: The driveway is only.
Speaker 18: Say, it's about twelve feet wide, okay, to go straight
Speaker 18: up the mountain and you know, to the top. What
Speaker 18: she ended up doing is excavate. Had a company or
Speaker 18: a friend or somebody?
Speaker 2: Did they widen the ease? Man? Is that what you're saying?
Speaker 2: They widened the path?
Speaker 11: Correct?
Speaker 2: Okay, that's that's what I need to know. They widened
Speaker 2: the path and what did that do? So?
Speaker 5: So are they taking more than the easement calls for?
Speaker 19: Correct?
Speaker 18: Yes, Okay, they should not excuse me, they should without
Speaker 18: our permission, they should not change anything to our so
Speaker 18: called driveway to the.
Speaker 5: Easy I understand, well, hold on the easement that they have.
Speaker 5: They widened, they didn't like how wide it was.
Speaker 18: They made it wider, correct, but they needed our permission.
Speaker 5: Well, of course they did, of course they did. They
Speaker 5: they're outside of the easemen.
Speaker 10: Huh.
Speaker 5: Okay, So now what exactly how much did they widen it? Well,
Speaker 5: how wide was the easement?
Speaker 18: Gibert takes a twelve feet now it's about because it
Speaker 18: kind of slopes, I would say, just between fifteen and
Speaker 18: eighteen feet, all right.
Speaker 5: So no matter what, they're not supposed to do that. Okay,
Speaker 5: so you're in it right.
Speaker 7: So now what.
Speaker 18: Well, now that it's caused erosion, that's starting to crumble,
Speaker 18: it's kind of making like a little landslide, which means
Speaker 18: the front of the cabin is just.
Speaker 5: They're just them widening that. By the way, is this
Speaker 5: gravel dirt or is.
Speaker 2: It paved gravel? And when they widened it, did they
Speaker 2: put gravel on the widened area?
Speaker 18: They ended up putting.
Speaker 20: Like a road based type.
Speaker 2: Okay, fine, so is it are you sure?
Speaker 5: That's the only time it started eroding is when they
Speaker 5: did that absolutely?
Speaker 2: Now does your usually.
Speaker 5: Counties require some kind of an excavation permitt?
Speaker 14: Uh?
Speaker 7: Huh?
Speaker 2: Did they?
Speaker 5: Were they supposed to pull a permint?
Speaker 2: That's yes or no, it doesn't. If you don't know,
Speaker 2: that's an I don't know.
Speaker 18: I don't know.
Speaker 5: Okay, now what do you Unfortunately, this happens. Okay, it
Speaker 5: happens a lot where people abuse and easement. But it's
Speaker 5: up to you.
Speaker 2: To take action against them.
Speaker 5: If you don't like the way it is and it's
Speaker 5: caused you damage, you got to file a lawsuit against them.
Speaker 2: I mean, you really do. You're in the right.
Speaker 5: I mean, if you had an attorney write them a
Speaker 5: letter like our real estate attorney, that could help you.
Speaker 5: But you know, it's unfortunately your expense to threaten them
Speaker 5: and to go after them. But I don't see how
Speaker 5: they can win, and maybe they would back off. What
Speaker 5: do you want them to do now that they've already
Speaker 5: widened it? What exactly do you want? Let's put it
Speaker 5: that way.
Speaker 18: Well, originally when I wanted to do the survey, it
Speaker 18: was because what do you.
Speaker 5: Want right now? Is what I'm asking? Do you want
Speaker 5: them to put it back the way?
Speaker 18: It was no, because they can't.
Speaker 2: So what do you want?
Speaker 18: Well, from my understanding, they need to. I feel like
Speaker 18: they need to be held responsible and liable for getting
Speaker 18: a structural engineer out there.
Speaker 2: What structure? What structure?
Speaker 18: Well, that's where I'm a little confused.
Speaker 2: Is Constantina, please help me here?
Speaker 5: Now I understand I'm really trying to help you. It's
Speaker 5: causing erosion. You never mentioned a structure. Is it hurting
Speaker 5: your house?
Speaker 18: Yes?
Speaker 11: I said that earlier.
Speaker 18: It's going to cause the front of the cabin, the
Speaker 18: porch to come down.
Speaker 2: That you're right, You're right, I forgot that. Now here's
Speaker 2: what I want to know. How you say it's going
Speaker 2: to do you know that for sure? Or someone told
Speaker 2: you that.
Speaker 18: One of the surveyors mentioned that as well after I
Speaker 18: said that too.
Speaker 5: Okay, now now that survey can't tell you that. But
Speaker 5: if you are having erosion and you feel it going
Speaker 5: to cause damage to your cabin, how far away is
Speaker 5: this path to your.
Speaker 18: Cabin to the front corner the feet?
Speaker 5: Oh my gosh, wait, they come that close to your
Speaker 5: cabin when they drive on their property. Yes, they come
Speaker 5: within five feet of your front porch.
Speaker 18: As you're going up to the driveway. Yeah, our cabin
Speaker 18: is to the right.
Speaker 2: Yeah, but how many feet to the right.
Speaker 18: Well before it was about right feet, now it's about five.
Speaker 5: Okay, listen, you definitely need to do you need to
Speaker 5: take some action. Okay, but you say they're responsible, but
Speaker 5: there's okay.
Speaker 2: You can't go to court without a target. You need one.
Speaker 2: I don't even know what you're looking for at this point.
Speaker 5: They haven't done damage yet you're saying they're going to
Speaker 5: do damage. Okay, you need a structural engineer. You're right
Speaker 5: to assess it. You need to pay for that. You
Speaker 5: need to say this is what they cause by widening
Speaker 5: the driveway, and therefore they need to I don't know what,
Speaker 5: shore up your cabin, put up a retaining wall or
Speaker 5: whatever an engineer says it would take to fix. They're
Speaker 5: going to be responsible, but first you have to come
Speaker 5: up with the evidence. And you can't just go to
Speaker 5: court because you're pissed off. So you need a structural engineer.
Speaker 5: And I don't know of any there, but you need
Speaker 5: to find a structural engineer to do a drainage study
Speaker 5: and to figure out what harm it's going to do.
Speaker 2: You maybe the survey or knows.
Speaker 5: Someone and then you're going to have to pay for
Speaker 5: that report, and you're going to have to get them
Speaker 5: to testify. You go to court, and you're going to
Speaker 5: need a solution, not just the problem, but a solution
Speaker 5: that they have to tell you in order to fix this. Constantina,
Speaker 5: you're going to have to erect this wall, or you're
Speaker 5: you're going to have to do this, or you're gonna
Speaker 5: have to do that, or you make them put it
Speaker 5: back the way it was and they have to sod
Speaker 5: or whatever was on that area that did not cause erosion.
Speaker 5: But if they're causing erosion and it's costing you some
Speaker 5: structural problems, then you got a problem.
Speaker 2: I agree with you. So that's what you do.
Speaker 5: First, First you get a structural engineer to assess the problem,
Speaker 5: and then you need an estimate on repairs. Then you
Speaker 5: get a real estate attorney to write them a letter
Speaker 5: and make a demand, and unfortunately, you have to go
Speaker 5: to court if they don't respond. This is a real
Speaker 5: pain in the ass for you. But I don't know
Speaker 5: what else you can do. How much is that cabin
Speaker 5: and property worth that you have, What is it really worth?
Speaker 18: Honestly, I don't know, because that's where I that's what's
Speaker 18: the process I was in is Yeah, I get it.
Speaker 5: I get Do you know of any other properties around
Speaker 5: there selling at all?
Speaker 2: Oh?
Speaker 14: No?
Speaker 2: Wow?
Speaker 5: So listen, what what do you need from us? You're
Speaker 5: in the right but you have to go on the
Speaker 5: right way. You have to get a structural engineer.
Speaker 2: Is that? Were you calling us for a referral for
Speaker 2: a structural engineer.
Speaker 18: For real estate attorney for structural engineer.
Speaker 5: Yeah, we have a real estate attorney olslaw dot com,
Speaker 5: O'Brien legal Services, and I'll give you his number, O'Brien
Speaker 5: Legal Services seven to zero three seven zero seven three
Speaker 5: eight eight, and that's olslaw dot com, Brad O'Brien. He's
Speaker 5: a real estate attorney for all things real estate. Now,
Speaker 5: as far as structural engineers, here's the thing.
Speaker 2: Where's that located? The cabin.
Speaker 18: Near like Grand Link Gramby.
Speaker 2: See, I don't know anyone up there.
Speaker 5: I know them down here, but it would cost you
Speaker 5: too much to have them go up there.
Speaker 2: I just don't know.
Speaker 5: I mean, you're gonna have to go and ask for
Speaker 5: some referrals or someone's list and they can make a referral,
Speaker 5: but you definitely need that. Maybe Brad O'Brien can help
Speaker 5: you find someone, but you need a structural engineer to
Speaker 5: assess damage and to estimate repairs.
Speaker 2: I'm Tom Martino. We have more coming right up.
Speaker 5: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three all three seven
Speaker 5: to seven to one.
Speaker 2: Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three all three nine two zero
Speaker 5: sixteen twenty two. Hi Tom Martino, your troubleshooter three O
Speaker 5: three seven one three talks seven three eight two five five.
Speaker 5: You know, I just can't believe that originally there was
Speaker 5: an easement even ten feet away from a house, and
Speaker 5: let alone five feet.
Speaker 2: That's the cabin. She didn't she didn't mention that, did she?
Speaker 9: When she wonder if them was there before the cabin,
Speaker 9: they shouldn't have built it.
Speaker 5: Really, if the easement was there before the cabin. I
Speaker 5: don't know, but they you're not allowed to widen an easement.
Speaker 5: Deputy Doc said, there's a possibility maybe the easement was
Speaker 5: wider all the time and they just graveled it. But
Speaker 5: actually that could be. But you would think this woman
Speaker 5: would know, except she was really devoid of details. We
Speaker 5: got an issue with a transmission on a twenty thirteen
Speaker 5: Ford f one fifty.
Speaker 2: By the way one fifties.
Speaker 5: They let we talked about longevity vehicles, the Ford one
Speaker 5: fifties last long time.
Speaker 9: I think, so, I mean it's it depends on the
Speaker 9: endine the driver, of course, but yeah, all on all
Speaker 9: their solid trucks.
Speaker 2: What engine do they have in their stuff?
Speaker 9: Well, they got turbos, twin turbos, all kind what's that?
Speaker 2: Does Kevin have to be turned up? All right? There?
Speaker 5: Turned Kevin up because you don't okay, So anyway, go ahead, Rick,
Speaker 5: what's your issue?
Speaker 2: Sure?
Speaker 17: Good morning, Tom, hey man, thank you for all all
Speaker 17: everything that you do.
Speaker 13: You're really thank you for our community.
Speaker 2: I love doing it, man. Yeah.
Speaker 15: My question is this, I've got a twenty thirteen one
Speaker 15: City f one and it's my body used from Triple
Speaker 15: A and I don't think it's ever been had a transmission.
Speaker 5: From Triple A. They sell cars. I know you don't
Speaker 5: mean Triple A Auto, do you?
Speaker 13: Yes?
Speaker 2: Wow, I didn't know they sold cars.
Speaker 9: I think he's the dealers called Triple A or something.
Speaker 19: Anyway, No, it's not.
Speaker 17: It's not a dealers Triple A.
Speaker 2: Okay. And you bought it use when.
Speaker 15: Uh twenty twenty and there was one hundred thousand on it,
Speaker 15: And I've been with put fourteen thousand off.
Speaker 5: You bought it used. There's other three four one fifty
Speaker 5: with one hundred thousand on it.
Speaker 2: Okay, right, got it?
Speaker 15: I only put I only put fourteen thousand on it.
Speaker 15: I only use it to go fishing in the mountains.
Speaker 2: Yeah, okay.
Speaker 15: Well my question, my question is the transmission service has
Speaker 15: never been done. The differentials were done Triple A. I
Speaker 15: took it to a mechanic and done a lot of
Speaker 15: work on.
Speaker 14: It, and but I can't find any.
Speaker 15: Documentation that the transmission flu was ever replaced. So I
Speaker 15: want to know is that a flush or is that
Speaker 15: a vehicle that can be drop a pan?
Speaker 2: You drop a pan, and yeah, you dropped them? Why
Speaker 2: you prefer that? And when Jeff Thick says that's.
Speaker 9: The same thing because when these you know, the the
Speaker 9: oil change places if you will, they hook a flesh
Speaker 9: machine to it and they're flushing all the dirt back
Speaker 9: through the transmission. You know, it's just that filter needs
Speaker 9: to be changed, and then just drop the pan, clean
Speaker 9: it all out, and you're golden. You don't have to
Speaker 9: worry about flushing it.
Speaker 15: That's the way I wanted to go.
Speaker 9: Yep.
Speaker 15: Okay, So this because I'm asking because I.
Speaker 17: Have a tu Tom Mailibu.
Speaker 15: And I took her to the Chevy dealers and they said,
Speaker 15: you can we can only flush it. This is a transmission.
Speaker 15: You cannot drop the pan.
Speaker 11: Blah blah blahh.
Speaker 9: There's some summer sealed you can only drain and fill, yes,
Speaker 9: but the F one fifty is not. You can get
Speaker 9: a filter for it.
Speaker 7: Okay.
Speaker 15: So then the second question, you've got three places here
Speaker 15: on your referral list, Tom, Then for.
Speaker 2: What for the transmissions?
Speaker 7: Yeah?
Speaker 17: Budget budget A one national nationwide transmission repair, and then
Speaker 17: shared an auto check which one of those three?
Speaker 5: Yeah, Well we have jeffic Kimmer transmission, and then we
Speaker 5: have A one transmission and auto repair, and then we
Speaker 5: have Kevin. So Kevin is not specializing in transmission, but
Speaker 5: they can do transmission service all day long.
Speaker 2: Any one of those will do a great job. So
Speaker 2: where are you located? Where are you located?
Speaker 15: I'm Southwestvember. So is Kevin with shared In Auto Tech?
Speaker 5: Yep, that's me and he's in Uh he's on Colfax
Speaker 5: west of Wadsworth. And uh, then you have down on
Speaker 5: Santa Fe. You have a one transmission and audible pair.
Speaker 5: And then I think kimmers far away from you Jordan
Speaker 5: and or Appa home.
Speaker 15: Okay, well I'll zip up to shared In And now
Speaker 15: was there another one?
Speaker 2: He mentioned that I didn't want to slight anyone.
Speaker 9: Yeah, Mark and yeah, yeah.
Speaker 5: So anyway, just uh yeah, let me let me know
Speaker 5: what happens. But I think that that's what you want
Speaker 5: to do. Uh, you definitely want to drop the pan
Speaker 5: so you can look at everything.
Speaker 2: And and that flushes are overrated, right.
Speaker 9: It is, and it's it's not effective, like I said
Speaker 9: a lot, So you don't need change of filter if
Speaker 9: you're flushing.
Speaker 2: Yeah, it's that's ridiculous.
Speaker 5: Hey, ed you have a comment on body shops. I
Speaker 5: talked about body shops.
Speaker 2: Being in terrible delays. Go ahead day.
Speaker 8: I've been in this a long time. The most of
Speaker 8: the time the body shops all they see from an
Speaker 8: estimate is what Ajustice sees when he writes the estimate.
Speaker 8: Let's they most recordable shops will order parts and not
Speaker 8: bring the car until the orders. But once they tear
Speaker 8: it down and buying some hidden damage.
Speaker 2: You're right, those.
Speaker 8: Parts are the delay.
Speaker 2: Ah, the new stuff.
Speaker 17: A lot of there's a lot of shocks out there
Speaker 17: that did on it.
Speaker 8: But now most most of the time it's good shops
Speaker 8: is on the supplement.
Speaker 2: I see.
Speaker 5: But are you sure they will order parts with that
Speaker 5: just when you I don't get it, they'll order parts
Speaker 5: with you just simply uh making an appointment.
Speaker 8: Well, if you say you want them to fix it,
Speaker 8: they'll order the parts and they'll call you one to
Speaker 8: come in. Then when the shot starts tearing it down,
Speaker 8: they find hidden damn it in it and they write
Speaker 8: a supplement.
Speaker 9: Okay, But I.
Speaker 2: Don't know that that's true that most of them order
Speaker 2: parts up front. I don't know if that's true.
Speaker 5: I know, for example, that's why I paid that A
Speaker 5: lot of them require payment to do that. They won't
Speaker 5: order parts on spec if for you just making an appointment,
Speaker 5: They're not going to do that.
Speaker 8: I'm sure there's people work to saying.
Speaker 5: Well, okay, there might be, but I mean normally what
Speaker 5: happens is they look at it, or an adjuster looks
Speaker 5: at it, you make an appointment, and then I've never
Speaker 5: heard of him ever automatically ordering parts and even if
Speaker 5: you sign for an appointment.
Speaker 2: I don't know.
Speaker 5: I might be wrong, but I just anyway, three h
Speaker 5: three seven to one three talks. I mean, listen, I
Speaker 5: whatever it is when you say most legit shops will
Speaker 5: do that, I don't know that.
Speaker 2: I don't know that. It's never happened to me, Kevin,
Speaker 2: do you know that? Do you know me?
Speaker 9: I think it's tough because they get so backed up
Speaker 9: and it's hard to stack up all those times. No,
Speaker 9: I know.
Speaker 5: In fact, one has told me the reason they don't
Speaker 5: order parts is because then if the people don't come
Speaker 5: through with appointments, just storing the parts, as you said,
Speaker 5: but the other one is being stuck with the parts.
Speaker 5: Sometimes I just don't agree with that, but I listen,
Speaker 5: I'll stand corrected. If a body shop, if you're in
Speaker 5: the body business, when someone makes an appointment after you've
Speaker 5: looked at the car and.
Speaker 2: The insurance approves it and all that. Do you order
Speaker 2: parts ahead of time?
Speaker 5: Let me know for sure, let me know three all
Speaker 5: three seven one three eight two five five Go with
Speaker 5: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 5: your troubleshooter three O three seven one three talks seven
Speaker 5: one three eight two.
Speaker 2: Five five Paul, what is your issue with US Bank?
Speaker 14: Paul?
Speaker 2: What's happening?
Speaker 7: Yeah?
Speaker 13: Yeah, Well for the first place, you know, I really
Speaker 13: appreciate you taking your time to take it.
Speaker 2: Thank you man.
Speaker 19: Yeah, thinks Tom, this is the issue here. I opened
Speaker 19: an account with Uish Frank and Jan twenty four, and
Speaker 19: then a few days later I find out that they
Speaker 19: have closed my account.
Speaker 8: You know.
Speaker 9: Why?
Speaker 7: Oh yeah, can you hear me?
Speaker 2: Yes, why did they close it?
Speaker 3: Okay?
Speaker 4: Uh?
Speaker 13: Uh A little later, you know later uh a few
Speaker 13: days later.
Speaker 19: After they closed the account, I went to the to
Speaker 19: the branch where I opened the account. Uh the guy
Speaker 19: and the branch told me, uh uh I can say, uh, well, no,
Speaker 19: I need to go back. I went to the bank
Speaker 19: and I asked why they closed my bank.
Speaker 13: They they told me that they don't know why they
Speaker 13: closed my account, and.
Speaker 19: That I was under investigation you know, sun start the
Speaker 19: sun sort that.
Speaker 13: Stuff like that, you know, And anyway.
Speaker 19: The story goes. Uh.
Speaker 13: I find out later that they closed.
Speaker 19: My account because.
Speaker 21: When I opened when I opened it, all uh, they
Speaker 21: take a coffee, you know, the drive license. So I
Speaker 21: was told that the guy they opened my account, he
Speaker 21: never sann the copy of the drive license.
Speaker 19: Okay yeah uh.
Speaker 2: And then and then you know this guy, how'd you
Speaker 2: I'm interested in hearing?
Speaker 5: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 5: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free no obligation comparison
Speaker 5: call Compass insurance paying too much your coverage at dozens
Speaker 5: of insurance companies.
Speaker 2: Find out now three o three seven to seven to
Speaker 2: one help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two.
Speaker 13: With news.
Speaker 2: So you don't have to.
Speaker 22: Come run in just as as we can.
Speaker 1: Shoot's gonna help come.
Speaker 3: This is the Troubleshooter Show.
Speaker 5: No Tom Martino, Hi, Tom Martino here, welcome. We are
Speaker 5: here on Car Friday and solving problems, not just with cars.
Speaker 5: But we'll talk cars if you need to three oh
Speaker 5: three seven to one three talk First. I want to
Speaker 5: go back to this US Bank problem and you can
Speaker 5: call three oh three Martino three oh three six two
Speaker 5: seven eight four six six twenty four seven and we'll
Speaker 5: be happy to help you. Get you on the next call.
Speaker 5: So even if you leave a message, we will call
Speaker 5: you back. You don't fare to worry about it, just
Speaker 5: leave your number. Hey, paul Us Bank Now, so you
Speaker 5: open an account in June.
Speaker 2: A few days later they closed it.
Speaker 5: Somebody at the branch office said you were under investigation.
Speaker 5: You later found out you later found out that your
Speaker 5: license had not been submitted.
Speaker 19: A copy, you know, a copy of my driving medicine.
Speaker 19: You know, when you when you open your account, they
Speaker 19: require you IDs, right, So I gave, I.
Speaker 2: Gave my uh it was not on file. Let's just
Speaker 2: put it that way, go ahead, So and I know
Speaker 2: you get so.
Speaker 5: So then it's a simple matter of bringing your license
Speaker 5: in and letting them see it.
Speaker 7: Yeah, okay.
Speaker 13: The thing is, they gave me a temporary car.
Speaker 2: You know.
Speaker 19: The temporary car.
Speaker 15: Worked for a few days.
Speaker 7: Okay, a temporary card.
Speaker 2: Yeah, debbie, you know, okay, got it, got it, got it?
Speaker 19: Yeah, And the temporary card were only for a few days.
Speaker 19: So I went to another branch, you know.
Speaker 13: And I asked them for you know, I told them,
Speaker 13: you know that I need another car.
Speaker 2: And I went to these now, hold on, hold on,
Speaker 2: hold on, hold on, wait a minute. Your temporary debit
Speaker 2: card was not working. Is that cause they closed your account?
Speaker 13: Uh?
Speaker 19: And that point they told me that they they were
Speaker 19: investigating something.
Speaker 2: You know, yeah, yeah, yeah, but you're but you're but
Speaker 2: you still had money in the bank, right, that's correct, exactly, yes,
Speaker 2: but the debit card, but you could not use the
Speaker 2: debit card to get your money exactly exactly.
Speaker 19: So I went to another I went to another branch.
Speaker 2: How much money did you have in the account?
Speaker 19: About a thousand dollars?
Speaker 2: Okay, go ahead.
Speaker 19: And then and then I went to another branch, you know,
Speaker 19: to make the postage, you see, and I wasn't the
Speaker 19: process to make depossage. You know that this is a
Speaker 19: woman was working in the process.
Speaker 13: I explained her, you know that I went to the
Speaker 13: postage something.
Speaker 19: But I want some money back, you know, so, uh,
Speaker 19: she gave me some other money that I told her,
Speaker 19: you know that I will to have and cash.
Speaker 20: You know.
Speaker 19: She gave me the money and she is still working,
Speaker 19: you know, and and the rest and the rest of
Speaker 19: the money for the posts. You know, at some point
Speaker 19: she just stopped the process. And she told me that
Speaker 19: they that she can't continue in with the deposits.
Speaker 13: And I asked why.
Speaker 19: She said that she dono knew why, but it was
Speaker 19: something in the city.
Speaker 5: It's because your account was was being investigated.
Speaker 19: That's why, exactly exactly, that's because exactly.
Speaker 5: Okay, but but keep going then, I mean, you told
Speaker 5: me already your account was being investigated, so I can
Speaker 5: see why they wouldn't they wouldn't allow any activity.
Speaker 2: I could see that. But I want to know.
Speaker 5: Why you simply did not go back and give them
Speaker 5: a copy of your license.
Speaker 19: Wait, wait to Tom, Wait, I'm going over there.
Speaker 12: Just wait for me.
Speaker 19: Yeah, better with me, I mean. Yeah. And when this
Speaker 19: woman I stopt the.
Speaker 13: Process on my deposits, she was asking me for.
Speaker 7: The money that she gave me back.
Speaker 19: She was two hundred dollars, you know. I told her
Speaker 19: that I want to cancel the whole process, that I
Speaker 19: don't want to deposit my check and you know, I
Speaker 19: need my check back and my driver.
Speaker 7: License, you know.
Speaker 19: And she refused. She refused to stop the process. She
Speaker 19: refused to get me back my driver license, you know.
Speaker 19: And I told her, you know, you know, have the
Speaker 19: power of authority to retain my driver license, you know,
Speaker 19: just asking you to return the check and stop everything,
Speaker 19: you know, and get my driver license.
Speaker 10: And she refused.
Speaker 19: She said that she.
Speaker 13: Will not return my drive license.
Speaker 19: So I told her, you know, I would call the police.
Speaker 19: And indeed I called the police, you know, when I
Speaker 19: was waiting for the police. Obviously the police never show
Speaker 19: up anyway, But when I was waiting for the police,
Speaker 19: she came to me because I was but the main
Speaker 19: door on the phone and she say.
Speaker 13: Here, mister, you know, mister Paul heard your check.
Speaker 23: I mean, here's you here the sleep from you and
Speaker 23: your divelass. So she uh was able to make to
Speaker 23: the pashi.
Speaker 19: I don't know how, and she returned my dive licens.
Speaker 19: So I left the place, okay, and they gave me
Speaker 19: another temporary car in the place.
Speaker 7: You see.
Speaker 13: The temporary car worked only for about one.
Speaker 11: Day, you see.
Speaker 2: And then and then where are we going with the story?
Speaker 9: Sir?
Speaker 2: You said to bear with you, but you're not getting anywhere. Okay.
Speaker 5: I understand that your account was suspended. You're under investigation,
Speaker 5: and your temporary car does not work.
Speaker 2: What do you need? Where is it in the investigation?
Speaker 2: Right now?
Speaker 7: Okay?
Speaker 19: This is this is what happened. I went back to
Speaker 19: the to the.
Speaker 2: Just tell me what happened. You don't have to tell
Speaker 2: me the steps you took. You went back.
Speaker 5: What is happening right now? Is your account still closed?
Speaker 7: They canceled.
Speaker 13: They close my account.
Speaker 19: And I've been asking for then for the last three months,
Speaker 19: for my money. I have spoke three times to the bank.
Speaker 19: Three times they all count.
Speaker 2: Okay, how much money do you have in there now, I.
Speaker 19: Got over over one thousand dollars, like a twelve hundred
Speaker 19: or something like that.
Speaker 5: Wait, because you made that second deposit.
Speaker 19: Right exactly exactly, Yes, yeah, exactly.
Speaker 5: So wait a minute, you're telling me that this bank
Speaker 5: closed your account and will not give you your money back.
Speaker 19: Exactly and I'll be waiting for the last three months
Speaker 19: for my money.
Speaker 5: Okay, you know what this is bullcrap. This is absolute
Speaker 5: bull trap. This is happening too much to people. You
Speaker 5: know how many times I've gotten at.
Speaker 2: Least six calls about people.
Speaker 5: Being under investigation and having their money frozen and they
Speaker 5: can't get it back. And I'm going to tell you,
Speaker 5: we're going to call over there and find out why
Speaker 5: the hell they're doing this. This is US bank is
Speaker 5: doing this all over the country.
Speaker 2: They're freezing people's bank accounts and then refusing to give
Speaker 2: them their money. Did they do they think somehow they
Speaker 2: can keep your money?
Speaker 7: Yeah?
Speaker 13: I sense to be that that's what they want.
Speaker 2: Tom come on all you want and and first of all,
Speaker 2: I don't understand this, I swear to God.
Speaker 5: Now now they've been closing people's account all over the
Speaker 5: country and keeping money.
Speaker 7: Look exactly.
Speaker 10: Calling.
Speaker 5: I want to give Okay, listen, I want to give
Speaker 5: this ad. There's a reason I want to give it
Speaker 5: to him, because he's right here. I wanted to call
Speaker 5: right this minute. I'm going to text him this because
Speaker 5: I want to call right this minute, and and we
Speaker 5: just got to take care of this thing. Hold on,
Speaker 5: this is so wrong.
Speaker 2: I appreciate it, Doc, I really do. I I just
Speaker 2: I want him to call right this minute. Over to
Speaker 2: the bank.
Speaker 16: Just one one question, Paul, did you open account in
Speaker 16: another bank in the meantime?
Speaker 3: Kelly's working with them right now.
Speaker 5: Okay, you know, ask why is US Bank? Why is
Speaker 5: US Bank doing this? Why are they doing this? I
Speaker 5: don't understand this d banking thing. I don't understand it. Kelly,
Speaker 5: give this over to Deputy d Man.
Speaker 2: This I don't people.
Speaker 5: Have you heard about this, because it's happening all over
Speaker 5: the place. They're de banking people, They're closing accounts and
Speaker 5: they're keeping money.
Speaker 2: They're keeping money. Why is this happening? Does anyone even know?
Speaker 2: I just don't know. So I'm holding I'm making a
Speaker 2: note of this. This has to stop. This crap has
Speaker 2: to stop. Okay, let me just make it note of this.
Speaker 5: All right, people, I'm telling you, if this happened to you,
Speaker 5: you're not alone. I've heard this from several people. They're
Speaker 5: stealing money at US Bank and keeping it for every
Speaker 5: day they keep money.
Speaker 2: Do you know how much they're making? This is ridiculous.
Speaker 2: Why are they doing this?
Speaker 5: You can't just keep something under investigation indefinitely, you idiots?
Speaker 2: Really has anyone else heard about this?
Speaker 15: This is going on?
Speaker 2: This is crazy? Okay three three seven one three eight
Speaker 2: two five five. If we have to Deputy D make
Speaker 2: a three way call with him on the line since
Speaker 2: it's his money. This is ridiculous. Okay, prop it and
Speaker 2: excuse me.
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Speaker 5: at dozens of insurance companies find out now three all
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Speaker 2: Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate man dot com to list your
Speaker 5: home with Remax Alliance three all three nine two zero
Speaker 5: sixteen twenty two. Hey Tom Martino here at three ZHO
Speaker 5: three seven one three talk seven one three eight two
Speaker 5: five five.
Speaker 2: We're on with the US Bank right now. But here's
Speaker 2: the thing. It's happening all over They're keeping money. I
Speaker 2: don't get it. This is wrong.
Speaker 5: I mean close my account of I'm under investigation. By
Speaker 5: the way, did you know the vast majority of people
Speaker 5: having their accounts closed are conservative people? Just want to
Speaker 5: put that out there. I'm not kidding you. By the way,
Speaker 5: I'm gonna uh. Kevin will be back in a second
Speaker 5: here he's uh, and we will take his call. But
Speaker 5: right now, Mike, he has a question on reverse loans.
Speaker 2: Go ahead, Mike.
Speaker 7: Or right Tom, Yes, sir, I can argue.
Speaker 2: What's going on? Mike?
Speaker 7: Thanks? Oh not a lot.
Speaker 2: So.
Speaker 7: I'm sixty nine years old, my wife is a few
Speaker 7: years younger. We moved into a house and Firestone a
Speaker 7: new house three and a half years ago. We pretty
Speaker 7: much live on our Social Security income and it's a
Speaker 7: struggle to you know, pay bills, as you would well know.
Speaker 7: And I thought about reverse mortgages recently, and I just
Speaker 7: wondered what your take on them was, and also if
Speaker 7: I do decide to go forward with doing that, some
Speaker 7: pos possible recommendations.
Speaker 2: On Come, how old is your wife?
Speaker 7: She's sixty five?
Speaker 5: Okay, because you both have to be you both have
Speaker 5: to be sixty two or older.
Speaker 2: So I want to ask another question, how much equity
Speaker 2: do you have?
Speaker 7: Okay, So the house as it stands now, I believe
Speaker 7: it is worth about six twenty five six thirty and
Speaker 7: I owe to seventy five.
Speaker 5: So house is worth Give me a real realistic like
Speaker 5: like things that have actually sold like that.
Speaker 7: Yeah, it's it's it is right around six and a quarter. Okay,
Speaker 7: let's say six pretty confident?
Speaker 2: Okay, No, got it all right now? And you owe
Speaker 2: two seventy five.
Speaker 5: Correct, you'll have to pay off the two seventy five
Speaker 5: with the reverse because you're not allowed to have a
Speaker 5: second for a reverse, right.
Speaker 7: Well, I also have a home equity loan, and I
Speaker 7: have a forty thousand dollars ballons on that too.
Speaker 2: So you owe a total of give me your total
Speaker 2: that you owe. I can't do math.
Speaker 7: Low total I owe against the home would be would
Speaker 7: be three fifteen.
Speaker 2: Okay, Now here's the problem. Okay, if you owe, you
Speaker 2: don't have a lot of equity, not for a reverse loan.
Speaker 2: But you and I here's how a reverse loan works.
Speaker 5: It's going to take your equity and by the way,
Speaker 5: you have to pay it off, so you only have
Speaker 5: two eighty five left when you pay it off, right,
Speaker 5: and in your sixties to early seventies, the most you're
Speaker 5: gonna get is fifty percent of that. Fifty percent of
Speaker 5: that is one hundred and forty thousand dollars. Roughly, you're
Speaker 5: gonna come out with roughly one hundred and forty thousand bucks. Now,
Speaker 5: it's not, in your situation a good deal because there's
Speaker 5: not a lot of money there and and uh so
Speaker 5: your house will be paid off, but you'll you'll be
Speaker 5: you'll only have one hundred and forty two left or
Speaker 5: one hundred and forty and to supplement your income.
Speaker 2: How much do you need a month.
Speaker 13: Well, so.
Speaker 7: Between our combined social security and come what we bring
Speaker 7: in and what we pay out, including how utilities on average,
Speaker 7: I would say our monthly deficit is probably one or
Speaker 7: two hundred dollars.
Speaker 2: Wait, you have a monthly deficit every single month.
Speaker 7: Against our income?
Speaker 2: Yeah, because, well, how are you living?
Speaker 13: Then?
Speaker 2: How do you? Wait?
Speaker 7: Wait, how do you live with the savings? We have savings?
Speaker 5: But how much okay, how much in your saving I
Speaker 5: got some ideas. How much in your savings?
Speaker 7: Probably thirty five forty.
Speaker 2: Not thousands? Uh huh.
Speaker 5: Yeah, you're on a road to nowhere right now, you know,
Speaker 5: And I'm just saying this out of honest to God
Speaker 5: love and concern. You know, before you retire, did you
Speaker 5: consider how much it was going to cost.
Speaker 2: You to live?
Speaker 7: I have to be honest and say I didn't put
Speaker 7: a lot of thought to it. At the time I retired,
Speaker 7: I was having a hard time in my life with
Speaker 7: health issues and everything, and I just I left the
Speaker 7: job after doing what I do for thirty five years
Speaker 7: without hardly any notice on.
Speaker 5: So, when you say you have a deficit, when you
Speaker 5: say you have a deficit right now, do you get
Speaker 5: any kind of entertainment or anything?
Speaker 2: Or is that all?
Speaker 5: Is that deficit only considering your necessities? It doesn't consider
Speaker 5: your food?
Speaker 7: It's yeah, pretty much. I mean, so my house payment's
Speaker 7: nineteen hundred.
Speaker 2: My you told me we don't have to go through that.
Speaker 5: Now, I'm just asking, like, do you when you said
Speaker 5: you had about a tour three hundred dollars deficit? Do
Speaker 5: you have a tour three hundred dollars deficit when it
Speaker 5: comes to necessities only or food?
Speaker 2: Is food in that?
Speaker 7: Yeah? I would include food in that.
Speaker 2: Okay, all right, now, so then you have no room
Speaker 2: for any extras. There are some weird strategies you could take.
Speaker 5: Because because of reverse loan does not have to be
Speaker 5: paid back, you'd have to get it on the youngest one.
Speaker 5: Otherwise you don't want your wife leaving uh or having
Speaker 5: to move when you're out. But here's what I'm saying,
Speaker 5: So if she got a reverse loan, she's not going
Speaker 5: to get a lot of money.
Speaker 2: Okay, so it probably isn't worth it. But there are
Speaker 2: some other things that Like one thing, have you ever thought,
Speaker 2: and I'm serious now without getting being a smart ass,
Speaker 2: have you thought of you and your wife getting a
Speaker 2: part time job, you or your wife and just having
Speaker 2: some fun.
Speaker 7: She's she has some handicaps that kind of prohibit her
Speaker 7: from a lot of outside jobs that would require her
Speaker 7: to be standing up all the time. What about you
Speaker 7: you have done I've done some things that you know.
Speaker 7: I did some pizza delivery. I did some other odd
Speaker 7: jobs for a while. But but you know, the pizza
Speaker 7: delivery thing, it can be good. But the wear and
Speaker 7: tear on my personal car and everything, it's it's just.
Speaker 5: Listen, man, almost listen that thirty or forty is sacred
Speaker 5: in the bank, don't I would not be spending that
Speaker 5: on monthly expenses.
Speaker 2: But you know, there's not a lot. I mean one thing.
Speaker 2: I'm trying to think what.
Speaker 5: I don't really know, honest to goodness, I don't know
Speaker 5: what you can do to generate income.
Speaker 2: You know, sometimes it's impossible. You can't just you know.
Speaker 5: I mean no, seriously. I mean, you have a situation
Speaker 5: right now where you have too much house. You and
Speaker 5: your wife have to downsize.
Speaker 7: Well it's a nineteen hundred square foot house.
Speaker 2: Yeah, but I mean go ahead, yeah, I mean I
Speaker 2: mean how much is your right now? Think about this?
Speaker 5: If you could sell your place and get a much
Speaker 5: smaller nut to crack or pay off another house. I mean,
Speaker 5: I'm trying to come up with a solution here. I'm
Speaker 5: not saying it's going to be ideal. You might be
Speaker 5: in love with your home, but it may not be
Speaker 5: a good idea, or you might want to consider a
Speaker 5: more inexpensive state we're talking about. It's we're talking about
Speaker 5: a sixty two and a sixty nine year old. By
Speaker 5: the way, by my estimate, I don't consider that that old.
Speaker 5: I mean, I haven't stopped working because I love things.
Speaker 5: I love life, I love buying things. I love having
Speaker 5: no limit on what I can buy. I don't want
Speaker 5: to live on Social Security. And I get a crapload
Speaker 5: of Social Security because of how much I worked, and
Speaker 5: I still get it.
Speaker 2: But but I'm just I'm not bragging. I'm not bragged.
Speaker 5: In fact, I'm saying that a lot of people say, Tom, retire, retire, retire, Well.
Speaker 2: I could, but then what I don't ever want to
Speaker 2: be faced with limits. That's my choice.
Speaker 5: But when you when you make the choice to retire
Speaker 5: without a lot of.
Speaker 2: Money, then you then there must be limits. I mean,
Speaker 2: there's no magic in life.
Speaker 5: It's not because the richer evil and people make lesser
Speaker 5: are are better. It's not because anyone is against you
Speaker 5: or anyone against me.
Speaker 2: It's it's equal in equal out.
Speaker 5: I say you, if you are looking to live without
Speaker 5: a deficit a reverse mortgage, you don't have enough equity,
Speaker 5: 're not old enough. What you probably would need to
Speaker 5: do is downsize the house or down quality, or go
Speaker 5: to a state that's more affordable.
Speaker 2: I was thinking, if that thirty or forty.
Speaker 5: In the bank, you would never want to take out
Speaker 5: that cushion for an annuity, and that wouldn't get you
Speaker 5: much anyway.
Speaker 2: It'd get your pennies every month.
Speaker 5: It wouldn't get you enough, and you don't have enough
Speaker 5: to take an equity loan out to get an annuity
Speaker 5: would be silly. But if you sold your house and
Speaker 5: bought something that was that, you could damn near.
Speaker 2: What's that? Yeah, I will take a break.
Speaker 5: If you could sell your house, take the equity and
Speaker 5: buy a house with a big down, that would be
Speaker 5: less payment per month.
Speaker 2: That would help as well.
Speaker 10: What about buying bonds and using the interest?
Speaker 5: Okay, where's he getting the money to buy bonds? Where's
Speaker 5: getting the intro?
Speaker 10: He takes twenty thousand out with that and get that
Speaker 10: that's not gonna give it.
Speaker 5: Twenty thousand dollars worth of bonds won't get him squat
Speaker 5: in income.
Speaker 10: Well, he said he only needs one or two hundred, and.
Speaker 2: That's without any extras. For God's sakes, I mean, the.
Speaker 5: Math doesn't work that way. Bonds don't pay. What do
Speaker 5: you think bonds pay? What do you really think they
Speaker 5: pay on a thousand dollars bond?
Speaker 2: What do you really think they.
Speaker 10: Said that you had some government bonds that paid pretty well.
Speaker 5: Okay, on the outside rates are going down now. They
Speaker 5: were paying six percent six percent. So if you do
Speaker 5: the math on that, you know one thousand dollars right,
Speaker 5: increment six percent, So you know.
Speaker 2: That is in a year. That's sixty dollars in a year.
Speaker 2: So how many would he have to buy?
Speaker 10: Okay, it was just a thought.
Speaker 5: No, no, I get it, I get it. But an
Speaker 5: annuity is another thought. But he doesn't have the money.
Speaker 5: He retired without proper money. A lot of people do it.
Speaker 5: He's not the only one. I'm talking to the vast
Speaker 5: majority of people. He retired without enough money. So you
Speaker 5: either increase income or reduce the nut and Mike honest
Speaker 5: to goodness. I'd be happy to offer you other solutions
Speaker 5: if I had him, but I don't have any.
Speaker 2: I got more coming right up.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out Now three O three seven
Speaker 5: to seven to one.
Speaker 2: Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three three to zero sixteen twenty two.
Speaker 2: Hi Tom Martino here at three oh three seven one
Speaker 2: three talk seven one three eight two five five. So
Speaker 2: I've been reading about a lot of organizations being debanked
Speaker 2: as well. And these organizations they have been.
Speaker 5: Basically, their bank accounts have been closed, the money has
Speaker 5: been frozen.
Speaker 2: We had a doctor who was famous for preaching against
Speaker 2: the AMA and the vaccination and what he calls the
Speaker 2: medical cabal and.
Speaker 5: The narrative the I call it the Biden narrative of
Speaker 5: the government narrative We've had peep organizations dedicated to helping
Speaker 5: women keep their babies instead of aborting them and trying
Speaker 5: to educate them so they were anti abortioned their bank
Speaker 5: accounts have been shut down. It seems coincidentally that most
Speaker 5: of the organizations that have had bank accounts shutdown have
Speaker 5: been conservative or against the narrative. And then we also
Speaker 5: have a lot of individuals whose accounts have been closed
Speaker 5: down for.
Speaker 2: No rhyme or reason.
Speaker 5: David, what is going on with the fluid in your transmission?
Speaker 2: David, welcome, What's happening?
Speaker 12: Okay, I'm just getting a little background on it. I
Speaker 12: bought a brand new twenty nineteen pul at Goncore, okay,
Speaker 12: and I have fifty thousand miles.
Speaker 2: On it in twenty nineteen, you said at twenty nineteen, right.
Speaker 12: Yes, I bought it brand new.
Speaker 11: In two nineteen, got it and.
Speaker 12: It hit fifty thousand miles, and my water pump went out.
Speaker 12: So I'm a shade tree mechanic, and I was able
Speaker 12: to fix the water pump. And then about a week
Speaker 12: and a half later, I noticed my transmission had a
Speaker 12: small intermittent.
Speaker 10: Leak in it.
Speaker 5: And now when was that water pump replaced? When was
Speaker 5: that fifty thousand miles hit?
Speaker 9: Oh?
Speaker 15: Just two weeks ago?
Speaker 2: Okay? All right? And now you noticed another problem transmission.
Speaker 12: Yeah, the transmission has a small leak. But I can't
Speaker 12: find the leak.
Speaker 13: Oh okay, I don't know.
Speaker 15: I just see it in my garage. Sometimes it's just
Speaker 15: like a drop, and sometimes it's the size.
Speaker 14: Of a quarter.
Speaker 2: Okay. And how do you know it's transmission.
Speaker 15: Because it's red.
Speaker 2: Okay. And so now you want to know what could
Speaker 2: possibly be causing that where fifty thousand miles. Nothing should
Speaker 2: be causing that. I'm gonna ask Kevin. He's coming over
Speaker 2: right now, so let me recap water Kevin, I never
Speaker 2: went out either. Kevin is water pump went out at
Speaker 2: fifty thousand miles on a twenty nineteen buick Encore. He
Speaker 2: bought it new.
Speaker 5: Now the transmission has a small leak. He can't find
Speaker 5: what would cause a small.
Speaker 2: Leak on a fifty thousand mile car twenty nineteen buick Encore.
Speaker 9: Could be any simple gasket or seal a hose. I mean,
Speaker 9: there's there's quite a few things, you know. The cooling hoses, goes,
Speaker 9: a radiator are common on those anything. What year was it.
Speaker 5: He said it's red fluid. He's assuming it's a nineteen.
Speaker 5: He's assuming it's transmission fluid.
Speaker 9: Well, it could be any freeze as well. Some of
Speaker 9: the anti freezes are red and pink and different things.
Speaker 9: So definitely get a check.
Speaker 2: What well, have you had a check David? He's a
Speaker 2: dow it yourself or he doesn't go a lot to me?
Speaker 2: Who does your oil changes? Might be okay, if you have.
Speaker 9: Any doubt, we'll take a look at it.
Speaker 2: Hey, where were you located?
Speaker 5: Yeah, sort Why don't you go down to Kevin at
Speaker 5: a charit and he'll take a free look at it.
Speaker 9: Yeah, I'll just look tell you what we think.
Speaker 12: Oh, here's the main question that I had. There's no dipstick. No,
Speaker 12: how I know when the few fluid is dangerously low on.
Speaker 2: The transmission you're talking? What do you do in a
Speaker 2: case like that? Kevin?
Speaker 9: That's there's a lot of them where you have to
Speaker 9: fill them till they overflow a certain level and then
Speaker 9: you know they're full. There's no way to know that
Speaker 9: you're exactly two quarts low.
Speaker 2: Where's the film from the top, from the bottom, from
Speaker 2: the bottom. Yeah, what do you mean from the bottom.
Speaker 9: There's a like a sight hole that you pull out
Speaker 9: on the bottom and then you fill it from the
Speaker 9: top till it overflows. Come on, Yeah, but there's no dipstick,
Speaker 9: so I know, I need to get two quarts and
Speaker 9: put it in. You just start adding it until it
Speaker 9: runs out of the the What.
Speaker 5: If you fill it from the top in the engine compartment,
Speaker 5: there's a filler right on top of you.
Speaker 2: What if you do it, their tiller overflows that.
Speaker 9: Well, it's not going to overflow till you get the
Speaker 9: plug out of the bottom. See it's a sight plug
Speaker 9: on the bottom of the transmission because you don't want
Speaker 9: it to fill past the axle level or oh through
Speaker 9: the seal. Okay, so yeah, you got to get the
Speaker 9: level right. But yeah, it's it's it's difficult for the
Speaker 9: home but.
Speaker 5: They can check that for you. You ought to just
Speaker 5: go by there, man, I mean and and so he said.
Speaker 5: When you do, you can fill it from the top,
Speaker 5: but you never know. You have to get underneath and
Speaker 5: look at the site gauge.
Speaker 9: Well, you pull the plug on the fill hole and
Speaker 9: as the fluid runs out, then it's full.
Speaker 2: Oh my god.
Speaker 14: Level.
Speaker 2: So there is no sight gauge It's just a plug,
Speaker 2: just a plug.
Speaker 9: You pull and you again.
Speaker 2: David, that's going to be a pain in your butt.
Speaker 20: Man.
Speaker 2: Do you know what he's talking about? Right?
Speaker 15: Yeah, yeah, I read about that.
Speaker 2: Well.
Speaker 15: I don't like it.
Speaker 5: I recommend at least get a free check. I'm serious, man,
Speaker 5: That's what I would do anyway. Three oh three seven
Speaker 5: one three talk seven one three eight two five five.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: oh three nine two zero sixteen twenty two.
Speaker 2: Hi Tom Martino, you're a troubleshooter.
Speaker 5: Three oh three seven to one three talks seven one
Speaker 5: three eight two five five Are more and more cars
Speaker 5: doing that with the no access.
Speaker 9: Well BMW's there's no dipstick for the oil for the oil.
Speaker 2: I don't have a dipstick.
Speaker 9: No, you need a scanner to know if you're oil
Speaker 9: is full.
Speaker 2: Wait a minute, how do I know when I need oil?
Speaker 9: You don't.
Speaker 2: What do you mean I don't, Well, you.
Speaker 9: Don't unless you have a warning indicator, level indicator, come
Speaker 9: on to tell you you're low. There's no way that
Speaker 9: you can check it.
Speaker 2: This is frightening.
Speaker 9: Yeah, they don't want you to.
Speaker 2: Know, Samantha. What's going on with Larry Miller?
Speaker 18: Well, I so, hi, so, me and my husband we
Speaker 18: recently purchased the vehicle in the middle of August.
Speaker 19: What you bought?
Speaker 20: And we we bought a Dodge Ram, a twenty twenty
Speaker 20: Dodge Ram, and we signed contracts, left it down payment.
Speaker 2: Was this a newer used you know? Is this used?
Speaker 14: It's a used vehicle?
Speaker 2: Yeah, got it? Yeah?
Speaker 20: So then what happened? You know, we're set, we're you know, hooray,
Speaker 20: we got a new car, just kind of getting our life,
Speaker 20: you know, ready for you know, those new payments and
Speaker 20: just life with this new vehicle. On nine to nine,
Speaker 20: on September ninth, we were contacted, and this is well
Speaker 20: over two weeks later, contacted saying that they're having issues
Speaker 20: with the financing, and we were like okay, you know,
Speaker 20: like totally fine, Like what do we need to do
Speaker 20: at that time? They told us that we needed to
Speaker 20: leave five thousand down, so we said okay. They said
Speaker 20: once they got the you know, the credit finance.
Speaker 2: Wait, wait, but you took the truck, you took delivery
Speaker 2: of the truck, and you assumed you assumed everything was.
Speaker 13: Done correct, absolutely, Well, what right do.
Speaker 2: They have to say? Wait? What right do they have
Speaker 2: to rescind that? I mean, see dealers do that all
Speaker 2: the time, but I am convinced not all of them
Speaker 2: do it legally. What they do is they they it's
Speaker 2: called callback, They.
Speaker 5: Call you back and say, oh, we had a problem,
Speaker 5: and then they get either more cash from you or
Speaker 5: another signer, or they make you sign a higher interest rate.
Speaker 5: They trick you, they get you the car so you
Speaker 5: don't go buy it from anywhere else. Then they do
Speaker 5: the old caller the callback, but the dealer call back.
Speaker 5: But here's the problem with the callback. The problem with
Speaker 5: the callback.
Speaker 2: Is that usually it's written in such a way that
Speaker 2: they really can't do a callback. They try to get
Speaker 2: away with it, but they can't do it. So tell
Speaker 2: me what happened with yours?
Speaker 20: Yeah, and that's essentially what happened, you know, So.
Speaker 5: They called it Go with a sure thing Denver's Best
Speaker 5: roofer Excel Roofing dot com. You don't pay a cent
Speaker 5: until you're content. Time for an insurance check up free,
Speaker 5: no obligation. In comparison, call Compass Insurance paying too much
Speaker 5: your bridge at dozens of insurance companies find out now
Speaker 5: three all three seven to seven to one help. You'll
Speaker 5: think you're his only customer when you choose Frank durand
Speaker 5: the real estate Man dot com to list your home
Speaker 5: with Remax Alliance three all three nine two zero sixteen
Speaker 5: twenty two Yeah, ript.
Speaker 1: News, so you don't have come running, just as fas
Speaker 1: as you can. Shooter's gonna help come.
Speaker 4: Man Dix is the Troubleshooter Show. No Tom Martino, Hi.
Speaker 5: Tom Martina here along with deputy doc at the studio,
Speaker 5: Deputy d here and Kevin Coke and shared an auto tech.
Speaker 5: We're talking about problems, questions and complaints. Let's uh go
Speaker 5: right to the phones. Samantha said she bought a twenty
Speaker 5: twenty Dodge Ram from Larry Miller. Two weeks later, dealer
Speaker 5: calls back they're having issues with financing.
Speaker 2: Larry Miller wants another five grand down.
Speaker 5: This is called the old dealer call back. It's a
Speaker 5: common trick dealers do what's called tripping cars. Tripping cars
Speaker 5: or rolling cars is when you put a car in
Speaker 5: the hands of someone without having all the i's dotted
Speaker 5: and the t's crossed.
Speaker 2: Many times. They do it for two reasons. One to
Speaker 2: get you to not buy somewhere else, and to have
Speaker 2: you go home with it and do the puppy.
Speaker 5: Dog sale where you get attached to it, you show
Speaker 5: your friends and neighbors, and then they call back with
Speaker 5: a problem and you'll do anything to keep it. The
Speaker 5: other reason they do it is they charge bailment bailmant
Speaker 5: on some cars.
Speaker 2: They can make more money doing bailman over and over
Speaker 2: and over. Bailman is used to the car for.
Speaker 5: The short time you had it, and it's a dirty
Speaker 5: old trick from the old days when dealers were really
Speaker 5: sleazy and you felt like you had to take a
Speaker 5: shower after you had met them. Larry Miller still is
Speaker 5: one of those kinds of dealers. They have all kinds
Speaker 5: of tricks and they're not very in my opinion, they're
Speaker 5: not very good, so I'm not surprised you got the
Speaker 5: old call back. They know right up front what they
Speaker 5: need for financing. They do this to get the car
Speaker 5: in your hands, to make you feel obligated. I'm going
Speaker 5: to tell you a few things I've done in the past.
Speaker 5: We've actually had dealers try this on people, Samantha, and
Speaker 5: we actually have made a dealer take the deal anyway,
Speaker 5: and the dealer said, how'd you do that?
Speaker 2: Or it makes you not the dealer? People say, how
Speaker 2: do you do that?
Speaker 15: See?
Speaker 5: The dealer says, well, it's contingent on approval. And I said, well,
Speaker 5: here's a finance agreement, and oddly enough, it says the
Speaker 5: lenders you says the consumer is her, has a monthly payment,
Speaker 5: truth and lending statement, interest rate, total of payments, has everything,
Speaker 5: has everything on it. And it also doesn't say anything
Speaker 5: about this paper has to be sold to somebody to
Speaker 5: be valid, you see.
Speaker 2: So I contend it is approved and they say, well,
Speaker 2: what are your meaning disapprove?
Speaker 5: Well, you signed it and you handed the keys in
Speaker 5: the car to her. I think she can assume she
Speaker 5: was approved. And in those cases they magically found financing.
Speaker 5: Here's what I'm saying, it's a trick, and dealers.
Speaker 2: Are so stupid. I swear to god they in all
Speaker 2: of these years I've been warning them, in all of
Speaker 2: these years.
Speaker 5: Not one dealer has corrected that, because all they would
Speaker 5: have to do to make this legal and to make
Speaker 5: it binding, is to say.
Speaker 2: Dealer has agreed to arrange financing.
Speaker 5: If financing cannot be completed as specified, then the consumer
Speaker 5: either has to return the car, provide their own financing,
Speaker 5: or pay it whatever. But dealers don't say that because
Speaker 5: they know people are smart enough to look through that.
Speaker 5: So what they do is they give the illusion everything's approved.
Speaker 5: But you notice on the finance agreement it doesn't say
Speaker 5: that the dealer financer with a bank. It usually puts
Speaker 5: them down as the lender, and then they sign it
Speaker 5: because they're idiots, they're morons, and then they think you're
Speaker 5: more of an idiot and more of a moron. So
Speaker 5: they figured out, if we do this, no one's ever
Speaker 5: going to hold us to it. We're going to be
Speaker 5: able to press them for more money or whatever we need.
Speaker 5: So in your situation, Samantha, this is exactly what happened.
Speaker 5: You got the old call back after buying this truck.
Speaker 5: Did you come up with the extra money.
Speaker 2: They asked for? So?
Speaker 20: No, So they essentially what happened is on nine to nine,
Speaker 20: they tolast that they needed another five thousand. We said, okay.
Speaker 20: They told us they'll give us a call when we
Speaker 20: can go back and find the new paperwork for a
Speaker 20: new lender, because the original paperwork was signed with partner
Speaker 20: Colorado Credit Union.
Speaker 2: As the lender.
Speaker 5: So wait, that Credit Union was actually put down on
Speaker 5: your paperwork as the lender.
Speaker 2: Yes, and did they sign it?
Speaker 20: Yes, I'm scaring.
Speaker 2: Did anyone sign it on the other.
Speaker 20: Partner did not, but the but the representative at L. H.
Speaker 14: Miller did.
Speaker 5: Yes, Okay, they actually signed it on behalf of the
Speaker 5: credit Union.
Speaker 2: Yes. If they did that, then they acted. If they
Speaker 2: acted as.
Speaker 5: An agent for the finance company, they can't back out.
Speaker 5: But anyway, did they trick you into signing a new agreement?
Speaker 3: They did not.
Speaker 20: So a few days later, on the twelve, they called back.
Speaker 20: They called my husband essentially.
Speaker 13: Saying, hey, that wasn't going to work the five thousand.
Speaker 20: We need ten thousand, he tells me, and of course.
Speaker 13: This is more of his vehicle.
Speaker 20: So he's like We'll do whatever we need to do.
Speaker 20: I'm on the other hand, like, wait a second, hold on,
Speaker 20: this doesn't make sense. We have contracts, we have.
Speaker 13: A title, we have good we have it.
Speaker 2: Good for you, Good for you, Samantha.
Speaker 20: Yeah, So I ended up calling the DMV to figure
Speaker 20: out where is our registration. They submitted they have to
Speaker 20: have submitted the title the title changeover, which I found
Speaker 20: on at that point they had not. And to this day,
Speaker 20: forty five days passed the date that we've purchased a vehicle,
Speaker 20: they have still yet to actual file for the title
Speaker 20: in the register.
Speaker 5: They're going to say to go over and they're going
Speaker 5: to say it's because you haven't paid for it and
Speaker 5: you can't get the loan.
Speaker 2: Is that right? Right?
Speaker 20: And that's kind of where we're where. They're withholding now,
Speaker 20: they're withholding that. Now, they're threatening us to repoll the vehicle.
Speaker 20: They continue to run our credit this entire time. So
Speaker 20: since August seventeenth, they've been.
Speaker 14: Running our game.
Speaker 2: Now, did you fill out the down on, did you
Speaker 2: count hold on?
Speaker 5: Did you fill out the finance documents accurately? In other words,
Speaker 5: you didn't lie about income or anything?
Speaker 2: Right?
Speaker 18: No, not at all, not at all?
Speaker 2: Who are you dealing with it? Larry Miller?
Speaker 20: I was dealing with Corey and Jeff. So Corey is
Speaker 20: the sales guy and Jeff Sensor is the financing.
Speaker 2: Okay, I need his name again. The finance guy, that Sensor,
Speaker 2: Jeff Censor, Jesse, sorry, Jesse Center, Jess Jess.
Speaker 5: As in Jesse James. Yes, yes, how I propose. Okay,
Speaker 5: Now here's what I'd like to do.
Speaker 2: I'd like to call Jesse Sensor, who's going to take
Speaker 2: a doc? Are you there?
Speaker 10: I'm still here, Tom.
Speaker 2: You understand the nuance of this deal. I do.
Speaker 5: And the nuance is they financed it, they agreed, they
Speaker 5: signed it as an agent for the credit union.
Speaker 2: They can't simply back out because they didn't do their homework.
Speaker 8: They know.
Speaker 2: Don't let him know you.
Speaker 5: They know as well as anyone when they pulled the
Speaker 5: credit report and and they let that car go. They
Speaker 5: knew what they were doing. And now they're holding it up.
Speaker 5: And before we go all ape crap on them, I
Speaker 5: want to know if they're going to honor the contract
Speaker 5: as written. If not, we need to get an attorney
Speaker 5: who can take this and help.
Speaker 10: Us out because the deal is boored right.
Speaker 2: Well, that's one of the ways.
Speaker 5: Yeah, but that's not as easy as it sounds. It's
Speaker 5: one thing to do, but I want to call this
Speaker 5: Jesse sensor and basically I want to tell them that
Speaker 5: we fought this in the past and already won that.
Speaker 5: When the dealer fills out financing papers and signs as
Speaker 5: an agent of the finance company and hands the key
Speaker 5: and hands the keys and everything over, they've sold this car,
Speaker 5: and Samantha, I don't know how they're going to get
Speaker 5: out of this one.
Speaker 2: I'd like to see your deal paperwork, though. Do you
Speaker 2: have it totally?
Speaker 13: I mean, I, oh, yeah, I have it right in
Speaker 13: front of me right now, ain't it to be honest?
Speaker 20: I also, I did speak to attorney already. They're the
Speaker 20: reason why I called you is because they suggested I
Speaker 20: call you number one, but also number two. I've also
Speaker 20: made a report with the Department of Revenue in Auto
Speaker 20: industry about this, so there's also a taste going with
Speaker 20: that as well.
Speaker 2: Did did the attorney? Didn't the attorney agree with what
Speaker 2: I said? I mean, what did the attorney advise you
Speaker 2: at all? Or not?
Speaker 20: She did give me advice, She honestly told me to
Speaker 20: reach out to you, reach out the Department of Revenue,
Speaker 20: see what we can get done, and then obviously if
Speaker 20: they push back, then.
Speaker 5: Many of my callers come from attorneys. Many of my
Speaker 5: callers come from attorneys who say, call Tom and then
Speaker 5: that's a good thing by the way we work together.
Speaker 10: Hey, did you make any payments on the monthly payments
Speaker 10: for the.
Speaker 7: Car on the loan?
Speaker 20: So?
Speaker 3: Not yet?
Speaker 20: So our first payment is due October first, I ask.
Speaker 2: And when it's due, you pay it to the credit union.
Speaker 2: We ought to call the credit union to us a
Speaker 2: credit union.
Speaker 20: It's principle. On the paperwork, it's I'm sorry, it's it's
Speaker 20: hold one second and grab it, grab it on the
Speaker 20: tablework they financed through partner Colorado Credit Union, credit Union Partner.
Speaker 2: Okay, we all to want to call them too, Doc.
Speaker 2: I want to get our attorney on.
Speaker 20: We did call.
Speaker 2: And what did they say?
Speaker 20: I did call Eli J. Miller. I did call LH.
Speaker 20: Miller to see about where I'm supposed to be making
Speaker 20: this payment because you know, obviously, like I, we're going
Speaker 20: to follow through this this contract we're making me.
Speaker 2: Samantha, You're not, Samantha, I'm not kidding you. I'm not.
Speaker 2: I'm not.
Speaker 5: I'm not stroking you here. You're you're very smart. You
Speaker 5: didn't cave like your husband wanted to. You know, you
Speaker 5: have to make payments and and I'm impressed.
Speaker 2: What do you do for a What do you do
Speaker 2: for a living?
Speaker 20: Yes, yes, I actually a veterinary nurse, but I have
Speaker 20: a I am a veterinary nurse that I do have
Speaker 20: a degree in business.
Speaker 14: So I know that this is a business contract.
Speaker 2: This is contract, and they signed it.
Speaker 20: And signed it.
Speaker 2: Oh, there's such morons. I can't wait to hold it now. Now.
Speaker 5: Kachina, who was that attorney we had in with the
Speaker 5: car deal that helped us with the last card deal.
Speaker 5: She's really good.
Speaker 2: In fact, she referred him to us. Yeah, I want
Speaker 2: to get Rena okay, good, good, you talked. You talked
Speaker 2: to Reina. Good.
Speaker 5: Then I want to get her opinion on it. Anyway,
Speaker 5: if we can get Raina on the air, I want to.
Speaker 5: I want to get her opinion on this and the
Speaker 5: old dealer callbacks in general. Samantha, I'm going to let
Speaker 5: Deputy Doc make some calls on this and we're gonna
Speaker 5: shake this thing loose.
Speaker 9: Okay for them too, I'd make the payment in person.
Speaker 9: I wouldn't mail it.
Speaker 5: No, I'd go there and make a payment and i'd
Speaker 5: film it if they refuse it. Samantha, listen, Uh, you're
Speaker 5: doing it. I think you're right, and I think I
Speaker 5: mean from everything you're telling me us. Do me a favor, though, Kelly,
Speaker 5: have her email me the or email to you and
Speaker 5: then to me to the the contracts, specifically the finance contract.
Speaker 2: You got a truth and lending statement and everything. Right? Oh? Yeah,
Speaker 2: absolutely see, and they're done. They're trying to get out
Speaker 2: of it. Go ahead, go ahead to maitre.
Speaker 10: Go ahead, Samantha.
Speaker 22: Did you say that they continue to pull your credit
Speaker 22: reports ongoing basis and that your credit score went down
Speaker 22: one hundred points?
Speaker 8: Yes?
Speaker 2: Why are they continually? Why are they doing? Why are
Speaker 2: they pulling your credit?
Speaker 20: I have no idea, And when I ask them, they honestly,
Speaker 20: every time I from this point, every time I've called them,
Speaker 20: they just hung up on me. At this point, I
Speaker 20: don't know why they continue to pour.
Speaker 10: Samantha.
Speaker 2: We got to take a break hold on. We'll come
Speaker 2: right back to you.
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Speaker 5: sixteen twenty two. Hi Tom Martine, your troubleshooter three O
Speaker 5: three seven one three talk Samantha.
Speaker 2: You know why are they pulling your credit so much?
Speaker 2: That's the that's the thing we left off with.
Speaker 5: When you have an ongoing business relationship with a company,
Speaker 5: they're allowed to pull updates.
Speaker 2: But it seems like, why are they doing it so often?
Speaker 20: Right that I have no idea I know from since
Speaker 20: August seventeenth, I have fifty two hard inquiries that are
Speaker 20: all sourcing from Eli Smiller.
Speaker 5: At this point, I think they're doing it as a
Speaker 5: punitive thing.
Speaker 2: That's what it sounds like to me. Wow.
Speaker 20: Yeah, I mean that's how it feels. I mean, to
Speaker 20: be honest, like me and my husband were even in
Speaker 20: the middle of moving right now, and it's getting so
Speaker 20: bad as far as our credit goes that, like we're
Speaker 20: having difficulty getting our electricity turned on because of how
Speaker 20: often they've been running our credit. My husband's credit went.
Speaker 5: From Okay, I hope doc, I hope you're hearing this.
Speaker 5: This We can also add to this slander of credit.
Speaker 5: Did they give you a reason why they wanted an
Speaker 5: extra five or ten grand down?
Speaker 8: No?
Speaker 20: No, it was they just said as a down payment.
Speaker 20: There there wasn't like any But when.
Speaker 2: You first went in there, they never when you first
Speaker 2: went in there, they never mentioned it, did they?
Speaker 20: No, No, we paid two thousand down, Like that's what
Speaker 20: we left when we put the first purchase the vehicle.
Speaker 2: And they never said we may need to get more money.
Speaker 5: No, never, God, oh man I today has been a
Speaker 5: day of just frustration for me on how people are
Speaker 5: still getting ripped off each and every.
Speaker 2: Day, each and every day. This phenomenon with the dealer
Speaker 2: callback is crazy.
Speaker 5: It is absolutely crazy the way they try to get
Speaker 5: away with this. Well, okay, Samantha, I appreciate you calling.
Speaker 5: Hang on and make sure Doc has everything he needs,
Speaker 5: and then we're going to get that attorney Raina back
Speaker 5: on and we're going to ask her her opinion on
Speaker 5: enforcing these contracts because they are just ridiculous. Thank you,
Speaker 5: three all three seven to one three talk. Feel free
Speaker 5: to call people three all three seven one three eight
Speaker 5: two five five.
Speaker 2: Okay, now there was another one.
Speaker 5: Larry Miller did the same thing to me, says someone
Speaker 5: who wrote to me by text. In fact, I got
Speaker 5: a few of those that Larry Miller did the same thing.
Speaker 5: So it seems to be mhmm. One of the things
Speaker 5: they do they released the car and then call you
Speaker 5: back and try to get more money out of you.
Speaker 2: We're going to put a stop to that. Welcome to
Speaker 2: the real world, Larry H. Miller.
Speaker 5: Also, we never got an update on that Phil Long
Speaker 5: thing in.
Speaker 2: Last year? Last week? Was it was it last ye?
Speaker 9: Last week?
Speaker 2: A couple of weeks ago, Yeah, it was last week.
Speaker 5: It was that man that bought that Mercedes, A dying
Speaker 5: patient who bought the Mercedes, and Raina the attorney referred
Speaker 5: him to us and she came on the show with him.
Speaker 5: What a terrible abuse from Phil Long, and they said
Speaker 5: they were going to take care of it.
Speaker 2: We have not heard. I'd like to also get an
Speaker 2: update on that case now. Of course, if there was.
Speaker 5: A settlement, it could be that they signed a non disclosure,
Speaker 5: not me, but they did.
Speaker 2: And so here's what here's what we know.
Speaker 5: We know that the guy wanted to buy a Mercedes
Speaker 5: to go out to California to see the sunset for
Speaker 5: the last time, one on his bucket list, and he
Speaker 5: has terminal cancer and he was.
Speaker 2: He was I call a victim.
Speaker 5: He bought a Mercedes from these guys and traded in
Speaker 5: his car, made a terrible deal, but then wanted to
Speaker 5: take the Mercedes back.
Speaker 2: He decided not to go to California. He was too
Speaker 2: sick and he realized he had bit off more than
Speaker 2: he could chew. And when he went back, they sold
Speaker 2: him his old car back and took the Mercedes back.
Speaker 5: And he ended up with like a thirty thousand dollars
Speaker 5: loan on his own car, plus a maintenance agreement and
Speaker 5: the whole the bottom line is.
Speaker 2: The whole thing turned out at it. Let's see what happened.
Speaker 2: It turned out that it was like cash too. Yeah.
Speaker 2: Plus yeah, he was out cash.
Speaker 5: He was out like thirty grand from dealing with them
Speaker 5: for like a week. It was the worst, one of
Speaker 5: the worst deals I have ever seen. And Raina the
Speaker 5: attorney took care of that one. And I was trying
Speaker 5: to find the original call here because I want to
Speaker 5: find out what happened to it. That's the problem, that's
Speaker 5: the one that's bothering me right now, is I don't
Speaker 5: have Let's see, I'm looking for it. I don't have
Speaker 5: the original call rate in front of me. But I
Speaker 5: want to make sure they said they were going to
Speaker 5: take care of it. Sometimes companies say that to get
Speaker 5: us off their back.
Speaker 2: Here it is here, it is, I got the notes here.
Speaker 2: A dying client wan to buy. He went to Colorado
Speaker 2: Springs Mercedes Benz Phill Long and he put five. Look
Speaker 2: at bottom line is.
Speaker 5: This man was out a ton of money from dealing
Speaker 5: with Phil Long, and it was the most ugly deal
Speaker 5: you ever want to see. Now, this one with Miller
Speaker 5: is not so ugly. It's just par for the course.
Speaker 2: Larry H.
Speaker 5: Miller, these are people that, in my opinion, you don't
Speaker 5: want to deal with. You don't want to deal with
Speaker 5: Phil Long, you don't want to deal with Larry Miller.
Speaker 5: These are just this is just my opinion based on
Speaker 5: the experience we've had on the show.
Speaker 2: Okay, coming back, we're going to talk about this bank deal.
Speaker 5: Okay, banks are closing people's account putting them under so
Speaker 5: called investigation for fraud as an excuse to.
Speaker 2: Keep their money. We'll talk about that and more coming up.
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Speaker 5: three nine two zero sixteen twenty two. Yeah, Hi Tom Martino,
Speaker 5: your troubleshooter. Three oh three seven one three talk seven
Speaker 5: one three eight two five five All right, now, Tom,
Speaker 5: I believe a car dealership continue to pull her credit
Speaker 5: so her score would drop dramatically, so they can say
Speaker 5: her credit is much weaker.
Speaker 2: And that's why they need to get the car back.
Speaker 2: Do you think? And Dimitri, you said they are probably
Speaker 2: doing that too, being scumbags.
Speaker 5: They're just doing it on purpose. All right, So let's
Speaker 5: go back to that other problem you were working on.
Speaker 9: US Bank.
Speaker 5: Yeah, this guy calls in and we've had a few
Speaker 5: calls like this. This is not the only one where
Speaker 5: he is being debanked. They closed his account on supposedly
Speaker 5: fraud They say, oh yeah, there's fraudulent activity. Now, mind you,
Speaker 5: they never tell you what the fraudulent activity is. Ever,
Speaker 5: They never tell you. They simply freeze your account, close
Speaker 5: your account, and keep your money. Well, that crap's not
Speaker 5: going to work, I mean, okay, So what happened?
Speaker 22: Well, I spoke with Isaac over at the US Bank
Speaker 22: branch in Long Mind, and he said that, well, he
Speaker 22: cannot address this issue with me because I'm not the
Speaker 22: account holder. He promised to immediately call Paul the consumer
Speaker 22: and explain to him where his twelve hundred dollars are.
Speaker 22: I followed up with Paul just a few minutes ago.
Speaker 22: He hasn't heard from Isaac yet. So I called the
Speaker 22: branch again and I spoke with a lady named Chelsea,
Speaker 22: who said that Isaac is on the phone, and she
Speaker 22: took down my name and phone number, and she told
Speaker 22: me that she'll ask him to call me. So I'll
Speaker 22: keep working on this over the way sarement.
Speaker 2: So he didn't call this consumer yet.
Speaker 22: He did call the consumer. The consumer wasn't able to
Speaker 22: answer the phone.
Speaker 5: Okay, So he did call Okay, all right, So he
Speaker 5: wasn't lying about that they got to get his money back.
Speaker 2: Has anyone listening right now been debanked? You? Have your
Speaker 2: accounts been closed? Yet? Again, it's mostly political, but I've
Speaker 2: been hearing randomly from people here and there that for
Speaker 2: some reason their accounts have been closed, and then they
Speaker 2: keep the money.
Speaker 5: They make you fight to the nail for the money.
Speaker 5: They say it's under investigation. You know, it's really funny.
Speaker 5: What are they going to do with the money even
Speaker 5: if they found out it was fraud? Why do they
Speaker 5: get to keep it?
Speaker 9: Exactly?
Speaker 5: I mean, really, who died and put them in charge
Speaker 5: of fraudulent funds?
Speaker 16: Do you think it's some small print hidden in the
Speaker 16: Patriot Act that nobody knows about.
Speaker 2: That they close conservative organization's bank accounts.
Speaker 10: Well, that they can close back down.
Speaker 2: That don't hold up the narrative of Biden and whatever
Speaker 2: Democratic Party? Yeah, no, I don't. Look.
Speaker 5: I know that there are some homeland security things when
Speaker 5: it has to do with cash transactions and.
Speaker 2: All of that. I've never heard anything at all about
Speaker 2: closing accounts and keeping money just because Kevin, we got
Speaker 2: a car thing here.
Speaker 5: Is it possible to alter your car to put a
Speaker 5: dipstick in where there is none on the transmission or
Speaker 5: the engine oil. I think it wouldn't be impossible. It'd
Speaker 5: be a pain, it'd probably void any warrant you ever
Speaker 5: had in a world.
Speaker 9: But yeah, I mean if money is no obji, yeah,
Speaker 9: of course, But I.
Speaker 5: Mean it wouldn't be hard, not really, even like in
Speaker 5: the fill tube itself, well.
Speaker 9: The fil tube is actually a plug on top it's
Speaker 9: not even a tube anymore. I mean it's it's a
Speaker 9: plastic plug you have to remove.
Speaker 5: To and then there's a hole a hole. Yeah, but
Speaker 5: where's that hole going. Oh, there's no way to check
Speaker 5: the level because it doesn't go down into the.
Speaker 9: Pain, doesn't go to the pan. It goes to the
Speaker 9: top of the tree.
Speaker 2: Because that that dipstick is like a tunnel exactly. The well.
Speaker 2: You can't retro one of those.
Speaker 9: Damn things may be very difficult. I mean, is it possible, yeah,
Speaker 9: practical No, gosh, dang it. Sealed unit. That's what they want.
Speaker 9: They don't want you playing with it. Run it out
Speaker 9: of fluid, burn it up and go get a new car.
Speaker 5: You know, people, do you understand what he's saying that essentially,
Speaker 5: they don't want you changing transmission fluid once you buy
Speaker 5: a car.
Speaker 9: You can't even take a condition of the fluid without
Speaker 9: draining it.
Speaker 2: And they they have the nerve to call it lifetime fluid.
Speaker 9: Yep, lifetime anti freeze, lifetime fluid.
Speaker 2: Wait, not lifetime anti Yeah.
Speaker 9: They've some of the fills. They're considered lifetime, which is nonsense.
Speaker 9: Wait wait wait wait wait, Yeah, there's thousand mile.
Speaker 2: But what about the expansion tank, Like do you still
Speaker 2: have that that coolant?
Speaker 9: You have basically the same coolant. But they're saying you
Speaker 9: don't have to worry about changing your fluid for a
Speaker 9: hundred thousand miles.
Speaker 2: But there is access access, Yes, I'm talking about where
Speaker 2: is where is there no access transmissions?
Speaker 9: And you know, and you're saying success but not easy access.
Speaker 5: Well like the oil on my beam or you said
Speaker 5: I can't check it, no, but I can fill it.
Speaker 5: Obviously that they've not made any engines yet that are
Speaker 5: supposedly lifetime oil. That would be ridiculous, but they have
Speaker 5: attempted or did make lifetime transmission and they really mean
Speaker 5: that that you never have to filters.
Speaker 9: You can't change the filters. The only thing you do
Speaker 9: is possibly change a little fluid.
Speaker 2: But do people do that when when they have a
Speaker 2: lifetime transmission fluid? Well, car, give me an idea of
Speaker 2: some cars doing that?
Speaker 9: Well, every every manufacturer makes one. I mean they're they're rampant.
Speaker 2: Yeah, now okay, what would you do? Would you still
Speaker 2: change it? Yeah?
Speaker 9: Well you can drop pans or you can get access
Speaker 9: to it. See I can access the fluid, but you
Speaker 9: can't in your garage without going through a major headache.
Speaker 2: But there is no interval. There's literally no interval in
Speaker 2: the owner's manual for changing transmission.
Speaker 9: Flood It's right, it's not recommended.
Speaker 5: God, I just find that so extraordinarily stupid. What is
Speaker 5: the purpose, what is the purpose behind that?
Speaker 9: It's just plain obsolescence. I mean, there's nothing else short
Speaker 9: of that. There's no reason why you would do that,
Speaker 9: because I can't check the oil in your beamer either
Speaker 9: without a scanner plugged in and it'll give me an
Speaker 9: oil level.
Speaker 5: By the way, I just texted got texted by someone
Speaker 5: who said he's been debanked.
Speaker 2: But I want more details. Try to call in if
Speaker 2: you can. I really do want more details.
Speaker 5: By the way, Frank Duran, the realestateman dot com right
Speaker 5: now is doing this market valuation, which is more important
Speaker 5: now than ever since rates went down, demands up a little,
Speaker 5: supplies down a little.
Speaker 2: You want to know what your house will sell for.
Speaker 5: He'll look at the neighborhood, the comps, He'll look at
Speaker 5: the supply and demand and the interest rates and all.
Speaker 2: Of the factors. And this is all free.
Speaker 5: There is absolutely no obligation to find out what your
Speaker 5: house will sell for what you can net after commissions
Speaker 5: and what you can buy. That's Frank Durant, the real
Speaker 5: Estateman dot com three three nine two z Earl sixteen
Speaker 5: twenty two. I'm Martino here three three seven three talk
Speaker 5: seven one three eight two five five. Hey Randy, what
Speaker 5: kind of issue are you having with chime bank?
Speaker 24: Same thing I was, yeah, same thing. It was two
Speaker 24: years ago. You I called into you and you had
Speaker 24: me file through somebody.
Speaker 5: Oh yeah, yeah, yeah, yeah, Doc. What was that agency
Speaker 5: you put us in touch with? They do a good job,
Speaker 5: the Financial Protection bureauer site.
Speaker 2: You're right. I forgot about that. You're right, Randy. So anyway,
Speaker 2: whatever happened with yours? They debanked you? Did they give
Speaker 2: you a reason?
Speaker 24: They told me that they wanted the receipts I paid
Speaker 24: cash for these parts.
Speaker 2: Oh that yeah, that's right, that's right. You They they
Speaker 2: listened to this. The guy just had cash transactions and
Speaker 2: they didn't like it, and they wanted to see corresponding receipts.
Speaker 2: For god's sakes, I mean, they're like being police. Wow,
Speaker 2: whatever happened with it? Did you get your money?
Speaker 7: Nope?
Speaker 2: Wait a minute, they kept your money?
Speaker 7: Yep?
Speaker 24: How much a little over three grands.
Speaker 2: Now, wait a.
Speaker 5: Minute, they shut down your account for which for what reason?
Speaker 5: Because you had cash transactions?
Speaker 2: Right?
Speaker 7: Yep?
Speaker 24: I had cash transactions that totaled like fifteen hundred bucks.
Speaker 24: But the park store didn't have the cash refund me,
Speaker 24: so I had to go to a card So I
Speaker 24: put it on the card and they shut me down
Speaker 24: and quit corresponding with me.
Speaker 2: So the wait, wait, wait, but but what difference does
Speaker 2: it make if it was your money?
Speaker 24: That's what they would never They would never tell me
Speaker 24: why so.
Speaker 2: You took you took cash out of your bank to
Speaker 2: buy something, yep. And then they issued you a credit
Speaker 2: on your credit card yep, because they couldn't issue a
Speaker 2: cash refund.
Speaker 9: Ye. And see if didn't help you with that.
Speaker 2: This is crazy. You know what, Randy, Uh leave your
Speaker 2: name with Kachina. I want to get you back on Monday.
Speaker 5: This is ridiculous, really it is, Okay, I want to
Speaker 5: get you back on I'm Tom Martino three O three
Speaker 5: seven one three talk call three oh three Martino anytime
Speaker 5: you want. Okay, and don't forget sheardan auto tech dot
Speaker 5: com