WEBVTT

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<v Speaker 1>Yeah, ripped news didn't need advice, so you don't have.

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<v Speaker 2>Come running.

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<v Speaker 3>Just as fast as we can.

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<v Speaker 1>Shooter's gonna help.

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<v Speaker 4>Come Dix is the Troubleshooter Show.

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<v Speaker 3>Now, Tom Martino, Hi.

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<v Speaker 2>Tom Martino. Here, we got a full house.

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<v Speaker 5>We got Kevin Calkin our expert today for cars, Today's

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<v Speaker 5>Car Friday. And then I have Deputy d here, and

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<v Speaker 5>then we have who anyone in the house, Katchina do.

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<v Speaker 2>We have our deputies studio Tom and Doc.

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<v Speaker 5>You can feel free to come over to the home

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<v Speaker 5>studio anytime you want as well. I've expanded it a bit,

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<v Speaker 5>but welcome Doc, and today is our day. We're going

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<v Speaker 5>to try to solve your problems with cars. But of

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<v Speaker 5>course we'll talk about any thing. Right now, Let's just

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<v Speaker 5>go to Barry and then here's one thing I do

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<v Speaker 5>want to mention though, that scumbag contractor has never contacted us.

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<v Speaker 2>And he wanted to go on.

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<v Speaker 5>He was all justin Garcia, was all put out that

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<v Speaker 5>we were talking about and he is with a Patriot

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<v Speaker 5>remodeling services LS.

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<v Speaker 6>Tom, do you have an update about that?

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<v Speaker 7>What is it?

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<v Speaker 2>So?

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<v Speaker 6>For the first thirty minutes of the Dan Kaplis Show,

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<v Speaker 6>which you could hear here on kow.

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<v Speaker 2>Yes, of course, yes, brother Justin called in.

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<v Speaker 6>Well why, well, very interesting. Yeah, yeah, he didn't want

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<v Speaker 6>to come on.

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<v Speaker 2>But why did he call in?

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<v Speaker 6>Because you were making him sound.

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<v Speaker 3>Like that you were mean, Tom.

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<v Speaker 2>In other words, I laid out the facts.

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<v Speaker 5>He put down, He put down sixty, she put down

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<v Speaker 5>sixty two thousand dollars for them, and he.

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<v Speaker 6>Kept it yep, yep. And he admitted that. And he

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<v Speaker 6>said everything is going to be admitted in court.

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<v Speaker 2>For court, create in court.

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<v Speaker 6>So why do I have to come on your program?

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<v Speaker 6>I don't have to. I'm innocent, okay.

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<v Speaker 5>Well, there's no innocent or guilty. It's a civil matter, righted.

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<v Speaker 5>But it is also the Contractor's Trust Act that I

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<v Speaker 5>believe can have some criminal criminal ramifications.

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<v Speaker 2>Well, that could be true. Did you ask him to

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<v Speaker 2>come on the show till today? I did?

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<v Speaker 6>He hung up on me?

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<v Speaker 2>How many did he call in? More than once? No?

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<v Speaker 6>Just once? But I did have to put him on

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<v Speaker 6>hold because we did have Darren callers, you know, because

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<v Speaker 6>of course does calls.

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<v Speaker 2>But he stayed on.

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<v Speaker 6>For thirty minutes. Wow, and he finally just ended up

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<v Speaker 6>hanging up on me.

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<v Speaker 5>All right, Well, listen the guys a scumbag. Okay, I

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<v Speaker 5>want I want to also talk about some other stuff.

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<v Speaker 2>For example, we have.

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<v Speaker 5>Issues with Federal Express that I cannot believe the nerve

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<v Speaker 5>I hit with that post I made and with the

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<v Speaker 5>talk on radio Federal Express ground folks just want you

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<v Speaker 5>to know, not a good company. Okay, They're taken over

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<v Speaker 5>by subcontractors. And I'm not the only one with these

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<v Speaker 5>problems getting deliveries. So Barry, let's talk about your car batteries. Well, oh,

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<v Speaker 5>I'm Tom Martinez. What's going on, Barry? Is Barry with us?

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<v Speaker 2>Day? Barried?

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<v Speaker 8>Yes?

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<v Speaker 5>Yes, what's going on? Sir Barry? What's happening?

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<v Speaker 7>See?

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<v Speaker 5>You need to tell us your problem and we're gonna

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<v Speaker 5>help you. What's going on? Okay, let's move on. Sorry, Barry,

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<v Speaker 5>you had your chance. Bro I can't wait. Okay, now,

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<v Speaker 5>if you can revive him, maybe send paramedics or something,

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<v Speaker 5>then I will go back to him right now.

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<v Speaker 2>Carmen, what's going on with you? Carmen? Okay, now I'm

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<v Speaker 2>getting a complex.

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<v Speaker 3>Kelly's still on the phone screen in that call. Let's

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<v Speaker 3>go track back to Barry.

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<v Speaker 9>I think he may be there.

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<v Speaker 2>Hey, Barry, what's happening.

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<v Speaker 10>I'm here.

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<v Speaker 11>Can you hear me now?

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<v Speaker 2>Okay, yes, yes I can, sir. What's going on, Barry?

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<v Speaker 11>Yeah, a year ago I bought a replacement from Triple A.

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<v Speaker 7>Okay?

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<v Speaker 2>Was it roadside?

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<v Speaker 11>They came of the house because the battery is dead.

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<v Speaker 11>I couldn't take it.

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<v Speaker 2>Anywhere, okay.

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<v Speaker 11>And and then they put it in and it was fine.

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<v Speaker 2>It was And this was last year.

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<v Speaker 11>Yeah, it was a five battery.

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<v Speaker 2>How much five year?

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<v Speaker 11>Two hundred?

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<v Speaker 2>I mean how much? How much was it the cost? Two? Okay?

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<v Speaker 11>And this year I guess it was about a month ago.

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<v Speaker 11>It was what hang on a second time, That's not

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<v Speaker 11>what we're asking. I went out to start the car

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<v Speaker 11>and it wouldn't start, couldn't couldn't get any juice to.

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<v Speaker 2>The was it was it the battery again?

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<v Speaker 11>Yeah, it was the battery.

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<v Speaker 5>Well, it could be that it was never the battery,

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<v Speaker 5>and that you still have the same problem and it

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<v Speaker 5>takes a while for that battery you see.

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<v Speaker 2>Sometimes correct me if I'm wrong. Kevin. Kevin does a

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<v Speaker 2>lot of electrical work too, so you called the right place.

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<v Speaker 5>But sometimes what happens is they they don't fully charge

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<v Speaker 5>because of something wrong with your system, but they partially

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<v Speaker 5>charge and it takes a long time for it to manifest.

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<v Speaker 2>Maybe not, Kevin, is that right?

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<v Speaker 9>No, it's entirely possible. Yeah, if it was anything else

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<v Speaker 9>ever checked, or you just replace the battery and everything seems.

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<v Speaker 5>Yeah, did Triple A come to your house and simply

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<v Speaker 5>replace the battery or did they do anything else?

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<v Speaker 11>No, they replaced the battery it.

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<v Speaker 9>Okay, Well, you should have a good warranty on that battery.

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<v Speaker 9>It's a good battery.

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<v Speaker 5>Is the battery bad? Did you find out if the

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<v Speaker 5>battery is bad?

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<v Speaker 11>My problem is they're not honoring the warranty.

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<v Speaker 5>Well, we have to first discern is the battery bad? Okay,

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<v Speaker 5>it is a bad battery, that's for sure.

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<v Speaker 11>They can't. Yes, okay, they came out and they checked

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<v Speaker 11>it and send another person out and they checked it.

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<v Speaker 2>Okay, and they said it And what are they saying?

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<v Speaker 11>They said it was because I didn't drive the car

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<v Speaker 11>every day or once a week.

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<v Speaker 2>How much did you drive it?

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<v Speaker 11>It was just a periodic going out and starting it

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<v Speaker 11>started flying.

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<v Speaker 5>Like roughly how much did you start the car over

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<v Speaker 5>the past year that this happened since the new battery

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<v Speaker 5>just roughly.

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<v Speaker 12>Seven seven eight times times.

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<v Speaker 2>Yeah, now, Kevin, that's bad. What kind of car no

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<v Speaker 2>battery would keep a charge?

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<v Speaker 7>Yeah?

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<v Speaker 9>Every car has.

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<v Speaker 5>Well, so they're kind of right, but I'm not sure.

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<v Speaker 5>Hold on the battery. That shouldn't ruin the battery though, and.

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<v Speaker 9>They shouldn't ruin your warranty.

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<v Speaker 2>Yeah, that shouldn't.

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<v Speaker 5>I mean, it's not going to keep the battery charge necessarily,

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<v Speaker 5>but it shouldn't ruin the battery.

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<v Speaker 2>I'm not believing. Then go ahead.

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<v Speaker 11>We tried charging it. I tried charging it and it

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<v Speaker 11>would go up to three volts and that was it.

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<v Speaker 11>So it won't take a charge charge.

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<v Speaker 9>Has anybody tried to jump it? Did Triple A try

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<v Speaker 9>to jump start the car?

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<v Speaker 11>I don't remember.

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<v Speaker 5>And did you see the terms of the warranty that

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<v Speaker 5>said you had to drive a certain amount of miles?

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<v Speaker 11>They said it was on the back of the receipts,

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<v Speaker 11>and I didn't keep the receipts. I never expected a battery.

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<v Speaker 7>To go back.

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<v Speaker 2>That's bull crap. You know what what you that's total

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<v Speaker 2>bull crap. Okay, that's why if you can get it

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<v Speaker 2>to me, we can get here.

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<v Speaker 9>Because NAPA and Triple A partner in the batteries.

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<v Speaker 2>Here's what you do, Barry.

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<v Speaker 5>If you go to Sheridan and that's one year old battery,

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<v Speaker 5>he'll get it replaced or he'll figure out what the

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<v Speaker 5>real problem is. Sheridan Auto Tech. Seriously, Okay, where are you?

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<v Speaker 5>Where are you located?

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<v Speaker 2>Where you live?

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<v Speaker 11>I'm there, I'm in Aurora at Parker and Yale across

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<v Speaker 11>the Yam.

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<v Speaker 2>You're you're You're far away.

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<v Speaker 5>But I'm going to tell you this, okay, And I

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<v Speaker 5>tell this to everyone when it comes to repairs and maintenance.

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<v Speaker 5>When it's especially something like this electrical or if it's

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<v Speaker 5>a major thing, it's well worth the drive he's on.

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<v Speaker 5>He's on Colfax, west of Wadsworth. Please go there and

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<v Speaker 5>see him. Three oh three, four, five, five, seventy two

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<v Speaker 5>forty two is that right?

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<v Speaker 11>Seventy two forty two right, So give me the address

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<v Speaker 11>again please, It's.

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<v Speaker 9>Seventy eight to sixty four West Cold.

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<v Speaker 11>Sixty four West cools.

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<v Speaker 2>Now why would they tell him that?

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<v Speaker 9>Though I've never in my life heard that, and especially

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<v Speaker 9>not in writing that. That's nonsense. I'd be I shouldn't

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<v Speaker 9>say nonsense. I'd be shocked if it was written down.

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<v Speaker 2>Yeah, So I'm interested to see what Kevin finds. He's

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<v Speaker 2>going to check this out at no charge.

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<v Speaker 5>But then if if it's something else, you'll have to charge.

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<v Speaker 5>Three oh three seven one three eight two five five.

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<v Speaker 5>Now garage fell on her car. Wow, we have to

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<v Speaker 5>talk about that coming back. And then an issue with

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<v Speaker 5>citywide banks. We love talking about your problems. We love

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<v Speaker 5>better when we can solve those problems, and we'll do

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<v Speaker 5>all of that coming up on the Troubleshooter Show. Don't

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<v Speaker 5>forget eight eight eight heating dot Com. Now's the time

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<v Speaker 5>to call them to check your furnace before winner. They're great, honest,

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<v Speaker 5>good people. Yes, I love them, use them, and you

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<v Speaker 5>know we have good companies more than one eight eight

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<v Speaker 5>eight Heating dot Com is one of them. Three oh

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<v Speaker 5>three seven seven zero two seven seven six Go with

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<v Speaker 5>a sure thing Denver's best roofer Excel Roofing dot Com.

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<v Speaker 5>You don't pay a cent until you're content. Time for

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<v Speaker 5>an insurance check up free, no obligation. In comparison, Hall

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<v Speaker 5>Compass Insurance paying too much your coverage at dozens of

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<v Speaker 5>insurance companies find out now three oh three seven seven

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<v Speaker 5>to one help. You'll think you're his only customer when

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<v Speaker 5>you choose Frank durand the real estate man dot com

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<v Speaker 5>to list your home with Remax Alliance three oh three

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<v Speaker 5>nine two zero sixteen twenty two. Hi Tom Martino, your

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<v Speaker 5>troubleshooter three O three seven to one three talk seven

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<v Speaker 5>one three A two five five. My goodness, Carmen reading

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<v Speaker 5>this description, Kachina Calori put up here. That's my affectionate

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<v Speaker 5>name for Kelly Cacerra, and whatever the heck you know

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<v Speaker 5>that's Kachina. Anyway, Carmen, what happened? Oh my god, Oh

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<v Speaker 5>my god, Yeah, what happened?

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<v Speaker 13>Yeah? Okay, So I'm leaving the garage and now.

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<v Speaker 2>You're talking about your your garage at home, right, No,

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<v Speaker 2>this is a garage at my job. Oh, and they

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<v Speaker 2>have the.

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<v Speaker 13>Underground garage inside of a hotel. I work on the

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<v Speaker 13>second floor of the building, and so the you know,

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<v Speaker 13>the garage.

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<v Speaker 5>So, but the parking garage is under a hotel, and

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<v Speaker 5>then your office is above the hotel or how does

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<v Speaker 5>that work?

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<v Speaker 13>My office is on the second floor floor. Okay, I'm

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<v Speaker 13>in the underground parking got it. And so I'm leaving

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<v Speaker 13>the office and I'm driving up to I'm driving up

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<v Speaker 13>the ramp and all of a sudden just something just

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<v Speaker 13>fell on my car and I had I had no idea.

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<v Speaker 2>Now where where was it?

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<v Speaker 5>Was it while you were in the garage or just

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<v Speaker 5>exiting the girls?

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<v Speaker 13>I was exiting the garage, I.

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<v Speaker 2>Was Did it? Did it fall from inside or outside?

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<v Speaker 2>Is what I'm getting at. Did it like, did it

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<v Speaker 2>hit you on the outside where your was your car? Outside?

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<v Speaker 2>Or inside?

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<v Speaker 14>Uh? Inside?

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<v Speaker 15>Inside?

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<v Speaker 2>Okay? What what fell.

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<v Speaker 13>Side the garage?

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<v Speaker 2>What fell?

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<v Speaker 13>Apparently it was the garage door. I had no idea

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<v Speaker 13>what fell on like?

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<v Speaker 2>Now, did it fall or close on it? There's a difference.

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<v Speaker 2>Did it fall or close?

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<v Speaker 13>I don't even know. Honestly, I don't even know if it's.

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<v Speaker 5>How does it normally? Tell me how it normally works

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<v Speaker 5>when you're leaving? How does it normally work? Does it

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<v Speaker 5>sense you and then roll up?

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<v Speaker 13>Honestly, I don't even know.

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<v Speaker 2>I didn't even know.

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<v Speaker 12>There was a garage door.

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<v Speaker 2>Oh wait? So normally wait, normally, that's what I'm asking.

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<v Speaker 5>When you enter that garage, there's no door, no when

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<v Speaker 5>and when you leave, and usually when you leave there's

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<v Speaker 5>no door.

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<v Speaker 2>Correct, Okay, But this time I didn't.

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<v Speaker 5>Even know this time, right, it must have been a

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<v Speaker 5>roll up and was it a roll up door, one

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<v Speaker 5>of those metal doors.

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<v Speaker 13>Yes, it is. It's a roll up door.

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<v Speaker 11>Yeah, it's a.

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<v Speaker 13>Roll up door.

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<v Speaker 2>And that's why you.

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<v Speaker 13>They told me that they had just fixed it. And

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<v Speaker 13>so I'm driving and all of a sudden it came down.

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<v Speaker 5>Now when it came down, do you know if it

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<v Speaker 5>came down under control or if it dropped. Do you

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<v Speaker 5>have any idea it dropped?

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<v Speaker 2>I mean, it wasn't.

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<v Speaker 5>It wasn't a slow kind of hit. It wasn't a

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<v Speaker 5>slow kind of hit like it was like bam.

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<v Speaker 13>Yes, it was bam. And it just crushed my windshield.

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<v Speaker 13>My I'd see my windshield. It's shattering and it's coming

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<v Speaker 13>towards me and retracting again. And the top of my

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<v Speaker 13>car was wait wait wait.

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<v Speaker 2>So then after it hit it went back up. No no, oh,

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<v Speaker 2>I said, what did you mean by retracted again?

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<v Speaker 13>What does that mean my windshield? I'm talking about my windshield?

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<v Speaker 13>It hit my windshields oh, and it caved in, wield

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<v Speaker 13>pushed cating in and then going back out.

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<v Speaker 2>I mean, why did it go back out? Was the

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<v Speaker 2>door still lay Was the door still laying on the windshield?

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<v Speaker 14>Yes, yes it was.

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<v Speaker 13>No, the door was on the roof because I was driving.

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<v Speaker 2>Oh got it?

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<v Speaker 13>Yeah, yes, I was moving and then it hits the

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<v Speaker 13>wind shield.

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<v Speaker 5>Obviously obviously the building owner or whoever they owe you, right,

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<v Speaker 5>I mean, now your insurance.

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00:15:22.559 --> 00:15:25.000
<v Speaker 2>Do you have comprehensive?

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<v Speaker 13>Oh that's that's another story. I've always had comprehensive and

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<v Speaker 13>just these last six months because I only drive my

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<v Speaker 13>car like twice a week. I go to work twice

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<v Speaker 13>a week, and yeah, I drive it in my garage

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<v Speaker 13>at home and I dropped it and all of a sudden,

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<v Speaker 13>this thing happens to me, and I have no coverage

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<v Speaker 13>other than okay.

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<v Speaker 5>But the building should take care of it. How much

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00:15:47.360 --> 00:15:50.879
<v Speaker 5>damage do you have? I'm going to guess about four grand?

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00:15:52.559 --> 00:15:53.360
<v Speaker 2>No, maybe more.

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<v Speaker 5>Oh wait, if it's the roof and the windshield, you

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<v Speaker 5>could have like eight thousand.

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<v Speaker 13>It's now it's up to thirteen thousand.

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00:16:02.240 --> 00:16:04.639
<v Speaker 2>Thou what year? What kind of car do you have?

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<v Speaker 13>I have a twenty seventeen Subaru cross Track with ice sights.

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00:16:10.440 --> 00:16:13.240
<v Speaker 13>I mean, it's loaded, it's got a lot of will belgae.

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00:16:13.799 --> 00:16:17.080
<v Speaker 5>Well, did their insurance Carmen Let's speed through this. Did

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<v Speaker 5>the insurance their insurance contact you? Did you talk to them.

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<v Speaker 13>I did, okay, so I talked to you insurance company.

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00:16:23.919 --> 00:16:27.519
<v Speaker 13>They accepted the claim. So they told the autobody shop

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00:16:27.600 --> 00:16:30.720
<v Speaker 13>to fix it and if there's any additional cost charges,

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00:16:30.759 --> 00:16:34.320
<v Speaker 13>we'll go ahead and pay them. Well, the autobody they

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00:16:34.320 --> 00:16:37.120
<v Speaker 13>haven't done anything to it, they have not started working

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00:16:37.159 --> 00:16:40.720
<v Speaker 13>on it, and they've had it since the first of August.

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<v Speaker 2>Listen, that's that. Listen. Listen, listen.

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<v Speaker 5>Carmen, Carmen, Carmen, you're not going to believe this, but

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00:16:45.679 --> 00:16:49.480
<v Speaker 5>my daughter was parked at a building and a roofing

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00:16:49.559 --> 00:16:55.279
<v Speaker 5>company dropped a giant bundle on her, or dropped something

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00:16:55.360 --> 00:16:58.960
<v Speaker 5>on her car. It smashed the windshield, it smashed the

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00:16:59.000 --> 00:17:01.120
<v Speaker 5>front part of a roof and overt a.

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00:17:01.200 --> 00:17:04.079
<v Speaker 2>Rail they call it the rail, the support.

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00:17:03.799 --> 00:17:09.279
<v Speaker 5>Rail, and it caved in her No, it gouged her dash.

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<v Speaker 5>So now listen, So immediately this company was very responsible.

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00:17:13.359 --> 00:17:16.480
<v Speaker 5>A supervisor came out and he waited with the car

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00:17:16.559 --> 00:17:19.799
<v Speaker 5>and had the windshield immediately replaced so she could at

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<v Speaker 5>least drive.

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00:17:20.880 --> 00:17:25.000
<v Speaker 2>And they cleaned out the glass. Then he said take

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00:17:25.039 --> 00:17:26.960
<v Speaker 2>it to a body shop, get an estimate. We'll pay

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00:17:26.960 --> 00:17:28.160
<v Speaker 2>for it. And of course they've.

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00:17:27.960 --> 00:17:31.160
<v Speaker 5>Been in constant touch with me, and so I did this,

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00:17:31.599 --> 00:17:33.799
<v Speaker 5>but I want to explain something. This is the way

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00:17:33.839 --> 00:17:35.559
<v Speaker 5>I do it with body shops. I've done it with

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00:17:35.640 --> 00:17:38.400
<v Speaker 5>my car, and I'm doing it with hers. I call

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00:17:38.519 --> 00:17:41.480
<v Speaker 5>them up, this is McDonald Hyundai, and I said, listen,

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00:17:42.519 --> 00:17:44.759
<v Speaker 5>could you order the parts? Because she took it over

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00:17:44.799 --> 00:17:47.480
<v Speaker 5>there for an estimate. Order the parts. I'll pay for him.

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00:17:48.119 --> 00:17:51.599
<v Speaker 5>Then when they come in, let's make an appointment, because

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00:17:51.720 --> 00:17:56.160
<v Speaker 5>otherwise your car sits there waiting for parts. So my

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00:17:56.359 --> 00:17:58.680
<v Speaker 5>daughter's car is going in Monday and will be done

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00:17:58.680 --> 00:18:01.519
<v Speaker 5>in a few days, as opposed waiting another extra week

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00:18:01.599 --> 00:18:02.359
<v Speaker 5>or two for parts.

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00:18:02.400 --> 00:18:03.599
<v Speaker 2>I think it was two weeks.

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00:18:04.000 --> 00:18:09.039
<v Speaker 5>So what I'm getting at is that you left it

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00:18:09.079 --> 00:18:11.599
<v Speaker 5>with a body shop. Then what they do is take

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00:18:11.640 --> 00:18:14.480
<v Speaker 5>it apart, look at it, and they have to get approval.

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00:18:14.680 --> 00:18:16.039
<v Speaker 5>Then they have to order parts.

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00:18:16.240 --> 00:18:17.960
<v Speaker 2>Then they have to wait a lot of that's not

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00:18:18.039 --> 00:18:19.119
<v Speaker 2>the body shop's fault.

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00:18:19.559 --> 00:18:21.400
<v Speaker 5>Then they have to wait for an adjuster. It's not

351
00:18:21.440 --> 00:18:23.799
<v Speaker 5>a body shop. But what body shop is it? Out

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00:18:23.799 --> 00:18:26.039
<v Speaker 5>of curiosity Auto.

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00:18:25.880 --> 00:18:32.720
<v Speaker 13>Nation Collision, Well, tom My concern. My concern is is

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00:18:33.000 --> 00:18:37.079
<v Speaker 13>after let's see, yesterday the insurance company spoke to the

355
00:18:37.119 --> 00:18:42.880
<v Speaker 13>autobody adjuster and said, well, this is the cost is

356
00:18:42.920 --> 00:18:47.200
<v Speaker 13>going above what we want to pay, so we are

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00:18:47.240 --> 00:18:53.519
<v Speaker 13>taking it to the loss you know, another section division

358
00:18:54.039 --> 00:18:58.079
<v Speaker 13>of the insurance company, because they may total my car

359
00:18:58.519 --> 00:19:01.599
<v Speaker 13>and I don't want that because it's paid for and

360
00:19:01.799 --> 00:19:05.680
<v Speaker 13>I'm not going to get into a vehicle like what

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00:19:05.759 --> 00:19:06.759
<v Speaker 13>I have now.

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00:19:07.039 --> 00:19:09.759
<v Speaker 2>With Well, you don't have a choice value of it.

363
00:19:09.920 --> 00:19:11.400
<v Speaker 2>You don't have a choice I want.

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00:19:12.000 --> 00:19:15.279
<v Speaker 13>Well, isn't there anything that I can do to prevent

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00:19:15.400 --> 00:19:17.000
<v Speaker 13>them from totling my car?

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00:19:17.279 --> 00:19:21.240
<v Speaker 5>There's not unless they do it unjustly. Let me explain

367
00:19:21.279 --> 00:19:21.880
<v Speaker 5>something to you.

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00:19:22.640 --> 00:19:23.440
<v Speaker 2>If it will.

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00:19:23.240 --> 00:19:30.920
<v Speaker 5>Take let's say nineteen thousand to fix your car, and

370
00:19:31.079 --> 00:19:33.960
<v Speaker 5>your car is worth fifteen, they have a right to

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00:19:34.000 --> 00:19:35.359
<v Speaker 5>pay you what your car is worth.

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00:19:35.759 --> 00:19:37.000
<v Speaker 2>But listen to me, Carmen.

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00:19:37.440 --> 00:19:39.720
<v Speaker 5>You're assuming they're not going to pay what it's worth

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00:19:40.079 --> 00:19:42.680
<v Speaker 5>and you're not going to be able to get another car. Technically,

375
00:19:43.160 --> 00:19:48.400
<v Speaker 5>the way this works, they're supposed to truly make you whole.

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00:19:48.920 --> 00:19:51.480
<v Speaker 2>Okay, so you can replace that car. How many miles

377
00:19:51.559 --> 00:19:54.400
<v Speaker 2>on it? What year? Tell me twenty seventeen, super, how

378
00:19:54.400 --> 00:19:55.160
<v Speaker 2>many miles?

379
00:19:56.200 --> 00:19:57.759
<v Speaker 13>Fifty three thousand?

380
00:19:58.960 --> 00:20:02.000
<v Speaker 2>Okay, that's it's not that car is not a bad car.

381
00:20:03.279 --> 00:20:06.359
<v Speaker 13>It's a bit of car. SUPERU dealership is in wanting

382
00:20:06.480 --> 00:20:09.960
<v Speaker 13>to buy it from me. They keep treating me, but

383
00:20:10.640 --> 00:20:12.519
<v Speaker 13>I love it. It's a bit of a really good No.

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00:20:12.519 --> 00:20:15.079
<v Speaker 2>I understand. And what model did she say it was? keV?

385
00:20:15.880 --> 00:20:18.279
<v Speaker 2>What model is it? Hey? Look it up, keV? What model.

386
00:20:20.480 --> 00:20:20.720
<v Speaker 9>It was?

387
00:20:20.720 --> 00:20:23.240
<v Speaker 10>A cross Tech tom cross.

388
00:20:23.440 --> 00:20:29.079
<v Speaker 13>Track cross track, Superkay cross track with the eye by sight,

389
00:20:29.839 --> 00:20:30.400
<v Speaker 13>you know whatever?

390
00:20:30.480 --> 00:20:35.079
<v Speaker 2>Okay? Fifty three k fifty three thousand miles? Okay, what

391
00:20:35.119 --> 00:20:37.640
<v Speaker 2>did you pay for it? Did you buy it?

392
00:20:37.720 --> 00:20:37.960
<v Speaker 9>News?

393
00:20:38.119 --> 00:20:39.960
<v Speaker 2>I don't even remember, it doesn't matter.

394
00:20:40.160 --> 00:20:42.440
<v Speaker 13>Yes, we bought a brand new I think about twenty

395
00:20:42.559 --> 00:20:43.160
<v Speaker 13>twenty five.

396
00:20:43.960 --> 00:20:44.240
<v Speaker 2>Yeah.

397
00:20:44.480 --> 00:20:48.440
<v Speaker 5>Listen, you're assuming you're not going to be treated fairly,

398
00:20:48.480 --> 00:20:52.519
<v Speaker 5>which is a good assumption. But they need to assess it,

399
00:20:52.559 --> 00:20:54.319
<v Speaker 5>and they have a right to do it. But I

400
00:20:54.359 --> 00:20:57.400
<v Speaker 5>want to ask something very obvious. Are they paying for

401
00:20:57.480 --> 00:20:57.920
<v Speaker 5>a rental?

402
00:20:58.000 --> 00:20:58.440
<v Speaker 2>Right now?

403
00:20:59.640 --> 00:20:59.839
<v Speaker 10>Yes?

404
00:21:00.279 --> 00:21:00.759
<v Speaker 3>They are.

405
00:21:01.200 --> 00:21:03.759
<v Speaker 5>Then here's what I want you to do, Carmen, Carmen,

406
00:21:04.039 --> 00:21:06.079
<v Speaker 5>you're not out of car. Don't rush him. Here's what

407
00:21:06.119 --> 00:21:08.839
<v Speaker 5>I want you to do. We can rush him when

408
00:21:08.839 --> 00:21:11.960
<v Speaker 5>it comes time. It's not at a bad body shop.

409
00:21:12.440 --> 00:21:16.799
<v Speaker 5>And this company, what's the name of the insurance company?

410
00:21:17.920 --> 00:21:18.240
<v Speaker 2>Okay?

411
00:21:18.319 --> 00:21:21.799
<v Speaker 5>Not a bad insurance company. Not great, not bad. Here's

412
00:21:21.839 --> 00:21:28.720
<v Speaker 5>what I would do. I would call Petty Details on

413
00:21:28.720 --> 00:21:33.359
<v Speaker 5>our referral list and you talk to you talk to

414
00:21:33.640 --> 00:21:39.759
<v Speaker 5>justin Petty Details. Go to Okay, get that number for

415
00:21:39.920 --> 00:21:43.440
<v Speaker 5>Kachina if you could Petty Details now here. Let me

416
00:21:43.440 --> 00:21:45.640
<v Speaker 5>tell you what he does. He does this all over

417
00:21:45.680 --> 00:21:48.319
<v Speaker 5>the country for people. He evaluates their cars to make

418
00:21:48.359 --> 00:21:52.480
<v Speaker 5>sure they get a fair price. He's going to give you,

419
00:21:53.119 --> 00:21:57.240
<v Speaker 5>free of charge his first blush price on that car

420
00:21:57.559 --> 00:22:01.279
<v Speaker 5>based on what it is. If it's too far off

421
00:22:01.319 --> 00:22:03.400
<v Speaker 5>from there, then we're going to have to go to

422
00:22:03.480 --> 00:22:05.640
<v Speaker 5>war with this insurance company. And we can tell you

423
00:22:05.680 --> 00:22:08.640
<v Speaker 5>how to do that, but at least wait to see

424
00:22:08.680 --> 00:22:10.960
<v Speaker 5>what they offer you. I know you love your car.

425
00:22:11.039 --> 00:22:16.720
<v Speaker 5>Now there is another option. If they offer you an

426
00:22:16.720 --> 00:22:20.160
<v Speaker 5>amount of money to total it and you want to

427
00:22:20.200 --> 00:22:24.079
<v Speaker 5>buy it back, you can literally buy it back and

428
00:22:24.240 --> 00:22:27.240
<v Speaker 5>still have some cash to go toward fixing it, but

429
00:22:27.400 --> 00:22:29.839
<v Speaker 5>you will have to pay for the salvage to get

430
00:22:29.839 --> 00:22:30.319
<v Speaker 5>it back.

431
00:22:30.440 --> 00:22:31.319
<v Speaker 2>Does that make sense?

432
00:22:31.359 --> 00:22:34.319
<v Speaker 5>For example, Let's say it's going to take twenty five

433
00:22:34.599 --> 00:22:38.880
<v Speaker 5>or twenty to fix it, and they say, no way,

434
00:22:39.400 --> 00:22:42.480
<v Speaker 5>we're going to total it. Okay, So let's say they

435
00:22:42.519 --> 00:22:45.000
<v Speaker 5>total it and it's twenty and you want to get

436
00:22:45.039 --> 00:22:47.640
<v Speaker 5>it back. They may charge you three to four grand

437
00:22:47.720 --> 00:22:50.759
<v Speaker 5>to get it back, so you only get seventeen or sixteen.

438
00:22:52.400 --> 00:22:55.640
<v Speaker 5>But if you can get it fixed for sixteen or seventeen,

439
00:22:56.160 --> 00:22:59.319
<v Speaker 5>then you take the liability going forward. But keep this

440
00:22:59.359 --> 00:23:03.000
<v Speaker 5>in mind, it's not always a good idea to do that.

441
00:23:03.400 --> 00:23:06.200
<v Speaker 5>People who are in love with their cars, I almost

442
00:23:06.319 --> 00:23:10.599
<v Speaker 5>always recommend they get another car. That's just my opinion,

443
00:23:10.759 --> 00:23:12.640
<v Speaker 5>because you're never going to sell the car, You're going

444
00:23:12.720 --> 00:23:14.720
<v Speaker 5>to be buried in it, and you will never be

445
00:23:14.799 --> 00:23:17.400
<v Speaker 5>able to get another total loss again in an accident.

446
00:23:18.400 --> 00:23:21.799
<v Speaker 5>So I'm just saying that the only way I would

447
00:23:21.799 --> 00:23:24.440
<v Speaker 5>buy back salvage is if it was hail damage, because

448
00:23:24.440 --> 00:23:28.720
<v Speaker 5>that doesn't really hurt the structure, frame or integrity of

449
00:23:28.759 --> 00:23:29.200
<v Speaker 5>the car.

450
00:23:29.599 --> 00:23:32.920
<v Speaker 2>But just let's take it one step at a time. Really,

451
00:23:33.480 --> 00:23:36.799
<v Speaker 2>right now, right now, I want you to get as Kelly,

452
00:23:36.839 --> 00:23:39.039
<v Speaker 2>make sure she gets that number for petty details.

453
00:23:39.480 --> 00:23:42.440
<v Speaker 5>Then let's see what they offer first. Let's not just

454
00:23:42.519 --> 00:23:45.599
<v Speaker 5>assume they're going to screw you. Okay, we got more

455
00:23:45.640 --> 00:23:48.039
<v Speaker 5>coming up on the Troubleshooter Show three ZHO three seven

456
00:23:48.039 --> 00:23:50.839
<v Speaker 5>to one three Talk seven one three eight two five five.

457
00:23:51.480 --> 00:23:59.960
<v Speaker 5>Right after this, go with a sure thing Denver's Best

458
00:24:00.160 --> 00:24:02.039
<v Speaker 5>rufer Excel roofing dot com.

459
00:24:02.079 --> 00:24:04.640
<v Speaker 2>You don't pay a cent until you're contenth.

460
00:24:07.480 --> 00:24:10.680
<v Speaker 5>Time for an insurance check up free no obligation comparison

461
00:24:10.799 --> 00:24:14.359
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

462
00:24:14.359 --> 00:24:17.119
<v Speaker 5>of insurance companies find out now three oh three seven

463
00:24:17.200 --> 00:24:20.000
<v Speaker 5>seven to one help. You'll think you're his only customer

464
00:24:20.039 --> 00:24:22.319
<v Speaker 5>when you choose Frank durand the real estate Man dot

465
00:24:22.319 --> 00:24:25.680
<v Speaker 5>com to list your home with Remax Alliance three oh

466
00:24:25.680 --> 00:24:27.640
<v Speaker 5>three nine two zero sixteen twenty two.

467
00:24:29.359 --> 00:24:31.039
<v Speaker 2>Hi Tom Martino here, welcome.

468
00:24:31.440 --> 00:24:34.200
<v Speaker 5>Get your calls in with any car problems or of course,

469
00:24:34.279 --> 00:24:37.480
<v Speaker 5>any consumer problem, question or complaint three o three seven

470
00:24:37.519 --> 00:24:40.880
<v Speaker 5>to one three talk, or you can call three oh

471
00:24:41.000 --> 00:24:45.039
<v Speaker 5>three Martino three oh three six two seven eight.

472
00:24:45.160 --> 00:24:47.960
<v Speaker 2>Four six six Steve.

473
00:24:48.920 --> 00:24:54.119
<v Speaker 5>What is going on with city wide banks?

474
00:24:54.319 --> 00:24:54.480
<v Speaker 2>Uh?

475
00:24:54.559 --> 00:24:59.880
<v Speaker 13>Yeah? They How this all started was last Friday.

476
00:25:00.519 --> 00:25:01.240
<v Speaker 11>I got an.

477
00:25:01.119 --> 00:25:07.079
<v Speaker 14>Email from a pay Pal saying an invoice was made

478
00:25:07.160 --> 00:25:09.119
<v Speaker 14>up for a bitcoin.

479
00:25:10.400 --> 00:25:14.359
<v Speaker 13>And if there was a mistake, a purchased to call

480
00:25:14.400 --> 00:25:15.920
<v Speaker 13>this numbers. So I called the number.

481
00:25:16.119 --> 00:25:20.400
<v Speaker 2>Yeah, okay, hold on? Where would this notice came by email?

482
00:25:22.160 --> 00:25:26.640
<v Speaker 14>And and and it looked really legitimate, and I thought, ca,

483
00:25:26.720 --> 00:25:27.400
<v Speaker 14>have you got one?

484
00:25:27.480 --> 00:25:28.559
<v Speaker 9>I got the exact same one?

485
00:25:28.680 --> 00:25:30.759
<v Speaker 2>Yeah, okay, and I did.

486
00:25:31.000 --> 00:25:31.880
<v Speaker 9>I just spammed it up.

487
00:25:31.920 --> 00:25:33.039
<v Speaker 2>There was a phone number on it.

488
00:25:33.279 --> 00:25:34.160
<v Speaker 9>I didn't even look there.

489
00:25:34.720 --> 00:25:36.920
<v Speaker 2>Was there a link or just a phone number or

490
00:25:37.000 --> 00:25:37.720
<v Speaker 2>just or both.

491
00:25:38.839 --> 00:25:39.759
<v Speaker 13>It looked legitimate.

492
00:25:39.759 --> 00:25:41.519
<v Speaker 14>They said, if this is a mistake, you didn't make.

493
00:25:41.440 --> 00:25:43.759
<v Speaker 5>This, well, it doesn't matter if it looks legitimate. Most

494
00:25:43.759 --> 00:25:46.200
<v Speaker 5>scams do so, so I mean what you would do

495
00:25:46.440 --> 00:25:48.960
<v Speaker 5>is what I would do is look up a city

496
00:25:49.000 --> 00:25:50.799
<v Speaker 5>bank and not use that number. But do you have

497
00:25:50.839 --> 00:25:52.039
<v Speaker 5>a city bank account?

498
00:25:53.119 --> 00:25:53.680
<v Speaker 11>Yeah?

499
00:25:53.799 --> 00:25:55.119
<v Speaker 2>All right, So what happened then?

500
00:25:56.079 --> 00:25:59.079
<v Speaker 14>What happened was just so I called the number and

501
00:26:00.240 --> 00:26:01.240
<v Speaker 14>since I don't.

502
00:26:01.000 --> 00:26:05.519
<v Speaker 13>Do online banking, you know, they hung up on me.

503
00:26:06.440 --> 00:26:08.000
<v Speaker 2>Okay, what time?

504
00:26:08.119 --> 00:26:09.119
<v Speaker 3>Well during do you know.

505
00:26:09.079 --> 00:26:11.279
<v Speaker 2>Why they hang up? Because they can't rip you off.

506
00:26:12.359 --> 00:26:14.480
<v Speaker 13>They had people need to be aware of this. Any

507
00:26:14.559 --> 00:26:16.240
<v Speaker 13>disk app, man, they had me.

508
00:26:17.039 --> 00:26:19.400
<v Speaker 14>Downloaded any desk, GIP and fl for it.

509
00:26:19.519 --> 00:26:20.960
<v Speaker 13>I mean they were so condided.

510
00:26:21.000 --> 00:26:22.839
<v Speaker 5>Wait a minute, Wait a minute, Wait a minute, Steve,

511
00:26:22.880 --> 00:26:24.039
<v Speaker 5>wait a minute, wait a minute.

512
00:26:24.319 --> 00:26:28.920
<v Speaker 2>Why why every day people get call for this? So

513
00:26:29.000 --> 00:26:31.599
<v Speaker 2>what kind of disc wait, what kind of app? Did

514
00:26:31.640 --> 00:26:32.319
<v Speaker 2>you download.

515
00:26:33.359 --> 00:26:34.559
<v Speaker 14>It's called any desk.

516
00:26:35.359 --> 00:26:38.079
<v Speaker 2>Oh, any desk? Okay, they got onto your computer and

517
00:26:38.079 --> 00:26:38.759
<v Speaker 2>what did they do?

518
00:26:40.519 --> 00:26:40.799
<v Speaker 7>Well?

519
00:26:41.400 --> 00:26:44.039
<v Speaker 14>Uh, then they said, well, we need your online.

520
00:26:43.720 --> 00:26:46.160
<v Speaker 13>Banking's account and I said, well I don't have one. Yeah,

521
00:26:46.200 --> 00:26:48.039
<v Speaker 13>and they kept owning on one badge of me and

522
00:26:48.079 --> 00:26:49.640
<v Speaker 13>I said, well, I don't do online banking.

523
00:26:49.720 --> 00:26:51.359
<v Speaker 14>Eventually, you know, they hung up.

524
00:26:51.519 --> 00:26:53.640
<v Speaker 13>You know, I'm like, huh, that's kind of weird.

525
00:26:53.920 --> 00:26:56.119
<v Speaker 14>So I called my bank and I said, you know,

526
00:26:56.200 --> 00:27:00.079
<v Speaker 14>what's some strange happened? And they said, they said, well,

527
00:27:00.119 --> 00:27:02.119
<v Speaker 14>what number did you call? And they said I gave

528
00:27:02.160 --> 00:27:04.680
<v Speaker 14>them the number. They said that's not paypalse number. They

529
00:27:04.720 --> 00:27:09.000
<v Speaker 14>said that was a scam. So they said, well, did

530
00:27:09.000 --> 00:27:10.960
<v Speaker 14>you give me any banking information? I said no, but

531
00:27:11.000 --> 00:27:14.480
<v Speaker 14>they had access to my phone and they go, okay,

532
00:27:14.759 --> 00:27:17.599
<v Speaker 14>and but there's no banking information on my phone. For

533
00:27:17.960 --> 00:27:20.480
<v Speaker 14>see why I don't do online banking. So it's not

534
00:27:20.599 --> 00:27:22.440
<v Speaker 14>possible for them to Now.

535
00:27:22.240 --> 00:27:23.920
<v Speaker 2>What did you do with any hold on?

536
00:27:24.000 --> 00:27:24.160
<v Speaker 7>Now?

537
00:27:24.200 --> 00:27:26.599
<v Speaker 2>Man, what did you do when you downloaded any desk?

538
00:27:26.759 --> 00:27:30.359
<v Speaker 5>Did they get did they get access to your computer?

539
00:27:31.680 --> 00:27:32.519
<v Speaker 13>Yeah?

540
00:27:32.880 --> 00:27:35.400
<v Speaker 5>But there's nothing in there, but cause it does not know,

541
00:27:35.519 --> 00:27:38.039
<v Speaker 5>they're going to find something because there's probably a key

542
00:27:38.119 --> 00:27:42.240
<v Speaker 5>logger on that computer or something. Right now, you're in danger, Steve,

543
00:27:42.440 --> 00:27:43.799
<v Speaker 5>And I'm going to tell you right.

544
00:27:43.640 --> 00:27:47.119
<v Speaker 13>Now you will I installed it.

545
00:27:47.119 --> 00:27:51.680
<v Speaker 5>It doesn't matter, it doesn't it doesn't matter right now,

546
00:27:51.960 --> 00:27:56.880
<v Speaker 5>whatever whatever information you have on your computer, I don't

547
00:27:56.880 --> 00:27:58.400
<v Speaker 5>care if you do online banking.

548
00:27:58.440 --> 00:27:59.519
<v Speaker 2>I don't care what it is.

549
00:28:00.079 --> 00:28:03.759
<v Speaker 5>If it's PayPal, if it's social media, if it's anything.

550
00:28:04.119 --> 00:28:08.960
<v Speaker 5>You need to immediately change each and every password, every

551
00:28:09.359 --> 00:28:14.359
<v Speaker 5>single one for anything whatsoever. Okay, and the end, you

552
00:28:14.519 --> 00:28:18.839
<v Speaker 5>need to get someone because they probably installed a key

553
00:28:18.960 --> 00:28:22.519
<v Speaker 5>lagger or some kind of spy app that is still

554
00:28:22.519 --> 00:28:25.759
<v Speaker 5>on your computer even though you took any desk off.

555
00:28:26.039 --> 00:28:29.480
<v Speaker 5>If you don't do it, you will be ripped off, Steve,

556
00:28:29.799 --> 00:28:33.960
<v Speaker 5>and you will be calling me back saying you were right, Tom.

557
00:28:34.640 --> 00:28:36.799
<v Speaker 2>They don't go through all this trouble for nothing.

558
00:28:37.079 --> 00:28:40.599
<v Speaker 5>If they have a contingency plan for people that don't

559
00:28:40.680 --> 00:28:44.599
<v Speaker 5>have online they will install something on your computer that

560
00:28:44.680 --> 00:28:48.079
<v Speaker 5>will get that that will report back to them.

561
00:28:48.599 --> 00:28:51.160
<v Speaker 14>Well, let me tell you what happened with City banks then,

562
00:28:52.839 --> 00:28:59.000
<v Speaker 14>so so they City Bank said.

563
00:28:58.799 --> 00:29:03.039
<v Speaker 13>Well, let's put putt a hold on your account.

564
00:29:02.680 --> 00:29:03.160
<v Speaker 14>For three days.

565
00:29:03.160 --> 00:29:03.880
<v Speaker 7>That was last Friday.

566
00:29:03.920 --> 00:29:08.000
<v Speaker 2>I said, well, Okay, why three days? How about forever? Okay?

567
00:29:08.000 --> 00:29:08.519
<v Speaker 2>Go ahead?

568
00:29:09.319 --> 00:29:13.079
<v Speaker 13>So so I said, okay, I said, I agree to that. Well,

569
00:29:13.880 --> 00:29:16.319
<v Speaker 13>but there's no banking information on the.

570
00:29:16.319 --> 00:29:23.039
<v Speaker 5>Phone that it doesn't matter. It doesn't matter. They can

571
00:29:23.160 --> 00:29:26.279
<v Speaker 5>sign up. They know your name now, they probably have

572
00:29:26.400 --> 00:29:27.480
<v Speaker 5>your social or something.

573
00:29:27.519 --> 00:29:30.720
<v Speaker 2>They have your address. What they can do is sign

574
00:29:30.799 --> 00:29:32.759
<v Speaker 2>up for accounts in your name.

575
00:29:33.319 --> 00:29:36.319
<v Speaker 5>And then what they do is have them text a

576
00:29:36.599 --> 00:29:40.119
<v Speaker 5>code for which now they can get for two party

577
00:29:40.400 --> 00:29:41.839
<v Speaker 5>or for second verification.

578
00:29:42.200 --> 00:29:43.720
<v Speaker 2>I'm telling you, Steve, you.

579
00:29:43.599 --> 00:29:46.839
<v Speaker 5>Know what I'm done talking because you don't believe it.

580
00:29:47.000 --> 00:29:49.920
<v Speaker 2>I don't even know why you called. Because you are

581
00:29:49.960 --> 00:29:52.680
<v Speaker 2>not taking the steps to protect yourself. I'll see you.

582
00:29:52.759 --> 00:29:55.359
<v Speaker 2>Take it easy and good. Good talking to you.

583
00:29:55.640 --> 00:29:57.880
<v Speaker 5>Let me know how much they get or how much

584
00:29:57.960 --> 00:30:00.599
<v Speaker 5>they have it they reek in your lives, because you're

585
00:30:00.640 --> 00:30:03.440
<v Speaker 5>gonna have to get your phone washed, You're gonna have

586
00:30:03.480 --> 00:30:06.200
<v Speaker 5>to get your computer washed, and you're gonna have to

587
00:30:06.279 --> 00:30:10.839
<v Speaker 5>do it with an expert, because you have no idea

588
00:30:11.359 --> 00:30:12.200
<v Speaker 5>what you're in for.

589
00:30:12.480 --> 00:30:14.200
<v Speaker 2>They don't go through that for nothing.

590
00:30:14.519 --> 00:30:17.359
<v Speaker 5>It could surface in a month, it could surface in

591
00:30:17.440 --> 00:30:20.279
<v Speaker 5>a year. He keeps saying, well, I don't have anything

592
00:30:20.359 --> 00:30:23.960
<v Speaker 5>on my phone all right, that's good. You keep it

593
00:30:23.960 --> 00:30:27.319
<v Speaker 5>that way at probid energy dot com. If you want solar,

594
00:30:27.759 --> 00:30:38.359
<v Speaker 5>probid energy dot com. Go with a sure thing Denver's

595
00:30:38.400 --> 00:30:41.319
<v Speaker 5>best roofer Excel Roofing dot com. You don't pay a

596
00:30:41.400 --> 00:30:47.880
<v Speaker 5>cent until you're content. Time for an insurance checkup free,

597
00:30:47.960 --> 00:30:51.680
<v Speaker 5>no obligation. In comparison, call Compass Insurance. Pay too much

598
00:30:51.799 --> 00:30:54.759
<v Speaker 5>your coverage at dozens of insurance companies find out now

599
00:30:54.839 --> 00:30:57.319
<v Speaker 5>three oh three seven seven to one help. You'll think

600
00:30:57.359 --> 00:30:59.880
<v Speaker 5>you're his only customer when you choose Frank durand the

601
00:31:00.000 --> 00:31:02.640
<v Speaker 5>real estate Man dot com to list your home with

602
00:31:02.759 --> 00:31:08.759
<v Speaker 5>Remax Alliance three oh three nine two zero sixteen twenty two. Hi,

603
00:31:09.160 --> 00:31:12.240
<v Speaker 5>I'm Martino here three O three seven one three talk

604
00:31:12.359 --> 00:31:15.559
<v Speaker 5>seven one three eight two five five. Got a little

605
00:31:15.559 --> 00:31:17.359
<v Speaker 5>breather here you can get right in. You can also

606
00:31:17.400 --> 00:31:19.359
<v Speaker 5>call three oh three Martino. You can call that twenty

607
00:31:19.400 --> 00:31:23.720
<v Speaker 5>four to seven three oh three six two seven eight

608
00:31:23.799 --> 00:31:27.359
<v Speaker 5>four sixty six. All right, I have some texts here,

609
00:31:27.759 --> 00:31:33.559
<v Speaker 5>one guy says, or galagans. My insurance company told me

610
00:31:34.839 --> 00:31:40.799
<v Speaker 5>I wasn't allowed to buy my car when it was totaled. Well, technically,

611
00:31:41.960 --> 00:31:45.319
<v Speaker 5>when it's totaled, they don't have to sell it back

612
00:31:45.319 --> 00:31:49.079
<v Speaker 5>to you. It's their car, so I guess they could

613
00:31:49.079 --> 00:31:51.799
<v Speaker 5>say that. I don't know why they would, because they're

614
00:31:51.839 --> 00:31:53.559
<v Speaker 5>just going to sell it to a salvage yard. And

615
00:31:53.599 --> 00:31:55.240
<v Speaker 5>if they sell it to a salvage yard, they may

616
00:31:55.240 --> 00:31:56.119
<v Speaker 5>as well sell it to you.

617
00:31:56.799 --> 00:31:59.160
<v Speaker 2>But I don't know why. But that's true. They can

618
00:31:59.200 --> 00:32:01.160
<v Speaker 2>do that, Tom.

619
00:32:01.160 --> 00:32:04.839
<v Speaker 5>If you move into a rental for two years after

620
00:32:04.920 --> 00:32:08.960
<v Speaker 5>renting it for eight years and there is a two.

621
00:32:08.799 --> 00:32:11.640
<v Speaker 2>Hundred thousand dollars gain, you can only exclude part of it.

622
00:32:12.759 --> 00:32:15.160
<v Speaker 5>Yeah, but you're not listening to what I said the

623
00:32:15.200 --> 00:32:20.240
<v Speaker 5>other day. What you do is you have to live

624
00:32:20.359 --> 00:32:24.839
<v Speaker 5>in the house two of the last five years. If

625
00:32:24.880 --> 00:32:29.000
<v Speaker 5>you satisfy that, you get one hundred percent of that exclusion.

626
00:32:29.039 --> 00:32:31.799
<v Speaker 5>I'm sorry, doesn't matter how long you rented it as

627
00:32:31.839 --> 00:32:35.480
<v Speaker 5>far as I know, however, I want to double check that.

628
00:32:35.720 --> 00:32:39.799
<v Speaker 5>So again, are we going to have any of our

629
00:32:40.000 --> 00:32:41.559
<v Speaker 5>tax people available today?

630
00:32:41.640 --> 00:32:42.359
<v Speaker 2>Kachina?

631
00:32:42.480 --> 00:32:44.480
<v Speaker 5>I know Friday we were going to get who one

632
00:32:44.480 --> 00:32:46.240
<v Speaker 5>of our estate planning attorneys?

633
00:32:46.240 --> 00:32:47.359
<v Speaker 2>Do you we should have.

634
00:32:47.400 --> 00:32:49.200
<v Speaker 6>Don McKenzie available today?

635
00:32:49.559 --> 00:32:49.839
<v Speaker 2>Yeah?

636
00:32:49.920 --> 00:32:53.680
<v Speaker 5>Now do we have any Can we call Atlas CPAs

637
00:32:53.799 --> 00:32:54.839
<v Speaker 5>and Advisors?

638
00:32:55.160 --> 00:32:58.759
<v Speaker 2>I would like to ask them about this. Uh, this rental,

639
00:32:59.160 --> 00:33:01.759
<v Speaker 2>this rental thing. All right, let me work on that

640
00:33:02.039 --> 00:33:05.799
<v Speaker 2>because I gave some advice yesterday on making tax free income.

641
00:33:06.240 --> 00:33:09.640
<v Speaker 2>But on the do you recall what we were what

642
00:33:09.680 --> 00:33:10.119
<v Speaker 2>we were.

643
00:33:10.000 --> 00:33:13.519
<v Speaker 5>Going to ask the estate planning attorney attorneys? Wait, wait, wait,

644
00:33:13.839 --> 00:33:16.839
<v Speaker 5>the quit claim deed. The quit claim deed, that's what

645
00:33:16.880 --> 00:33:20.000
<v Speaker 5>it was. And we can also ask our accountant that too.

646
00:33:20.359 --> 00:33:23.240
<v Speaker 5>So let me just make some show notes here, and

647
00:33:24.000 --> 00:33:27.599
<v Speaker 5>so quit claim. We were going to ask about changing

648
00:33:27.640 --> 00:33:30.200
<v Speaker 5>the quit claim because somebody tried to.

649
00:33:31.000 --> 00:33:32.680
<v Speaker 2>Sub you know, you know how people.

650
00:33:33.160 --> 00:33:35.200
<v Speaker 5>I don't know if you've heard me before, but I

651
00:33:35.319 --> 00:33:39.839
<v Speaker 5>said it millions of times. Don't quit claim your house

652
00:33:39.880 --> 00:33:41.599
<v Speaker 5>to your kids thinking that's the way you want to

653
00:33:41.640 --> 00:33:42.240
<v Speaker 5>leave it to them.

654
00:33:42.640 --> 00:33:46.319
<v Speaker 2>It's the wrong way to do it. Wrong, wrong, wrong, wrong, wrong.

655
00:33:46.720 --> 00:33:48.920
<v Speaker 5>Do a beneficiaries deed, or do it in a just

656
00:33:49.000 --> 00:33:51.960
<v Speaker 5>in a will or in a trust. Beneficiaries deed just

657
00:33:52.480 --> 00:33:54.119
<v Speaker 5>transfers automatically on death.

658
00:33:54.119 --> 00:33:55.720
<v Speaker 2>There are other ways to do it, But don't quit

659
00:33:55.759 --> 00:33:56.400
<v Speaker 2>claim it to them.

660
00:33:56.440 --> 00:33:59.880
<v Speaker 5>Don't have them on your deed with you, with survivor benefits,

661
00:33:59.880 --> 00:34:01.359
<v Speaker 5>none of that, none of that.

662
00:34:01.559 --> 00:34:02.519
<v Speaker 2>Do not do that.

663
00:34:03.680 --> 00:34:05.799
<v Speaker 5>And we're gonna talk and see why. But one guy

664
00:34:05.839 --> 00:34:07.880
<v Speaker 5>already did it. Now he wants to know if he

665
00:34:07.880 --> 00:34:10.519
<v Speaker 5>can undo it. So we're gonna talk about that, and

666
00:34:10.559 --> 00:34:13.440
<v Speaker 5>then we're gonna talk about tax free income with the

667
00:34:13.519 --> 00:34:16.760
<v Speaker 5>tax free exemption, go with a sure thing Denver's Best

668
00:34:16.840 --> 00:34:19.719
<v Speaker 5>roofer Excel Roofing dot com. You don't pay a cent

669
00:34:19.960 --> 00:34:26.000
<v Speaker 5>until you're content. Time for an insurance check up free,

670
00:34:26.079 --> 00:34:29.800
<v Speaker 5>no obligation. In comparison, call Compass Insurance paying too much

671
00:34:29.920 --> 00:34:32.880
<v Speaker 5>your coverage at dozens of insurance companies find out now

672
00:34:32.960 --> 00:34:35.440
<v Speaker 5>three o three seven seven to one help. You'll think

673
00:34:35.480 --> 00:34:38.079
<v Speaker 5>you're his only customer when you choose Frank durand the

674
00:34:38.119 --> 00:34:40.760
<v Speaker 5>real estate Man dot com to list your home with

675
00:34:40.880 --> 00:34:44.559
<v Speaker 5>Remax Alliance three oh three nine two zero sixteen twenty two.

676
00:34:50.199 --> 00:34:55.519
<v Speaker 2>Rip you need so you don't have?

677
00:35:00.079 --> 00:35:05.800
<v Speaker 1>Yeah, shoot, that's gonna help. Come man, This is.

678
00:35:05.760 --> 00:35:07.079
<v Speaker 3>The Troubleshooter Show.

679
00:35:07.719 --> 00:35:13.639
<v Speaker 5>No Tom Martino, Hi Tom Martino, your troubleshooter.

680
00:35:13.800 --> 00:35:15.280
<v Speaker 2>Welcome to the show.

681
00:35:15.400 --> 00:35:18.119
<v Speaker 5>Three oh three seven one three talks seven one three

682
00:35:18.199 --> 00:35:21.400
<v Speaker 5>eight two five five Here to help you solve problems,

683
00:35:21.440 --> 00:35:23.639
<v Speaker 5>answer questions, take complaints, and make your life.

684
00:35:23.440 --> 00:35:25.679
<v Speaker 2>A little easier. And today is car Day.

685
00:35:25.719 --> 00:35:29.440
<v Speaker 5>We have Kevin Calkin with us from Sheridan Auto Tech.

686
00:35:30.159 --> 00:35:32.440
<v Speaker 5>We have Deputy Doc in the studio and then we

687
00:35:32.519 --> 00:35:37.119
<v Speaker 5>have Deputy D here and we're trying to solve some problems. Now, Doc,

688
00:35:37.360 --> 00:35:39.199
<v Speaker 5>were you working on any follow ups?

689
00:35:39.199 --> 00:35:39.440
<v Speaker 2>Sir?

690
00:35:40.039 --> 00:35:41.559
<v Speaker 10>Just still work on that dental thing.

691
00:35:41.679 --> 00:35:45.280
<v Speaker 2>Tom, I'm trying to find Explain Explain that, I mean,

692
00:35:45.320 --> 00:35:47.719
<v Speaker 2>this is crazy stuff. Explain that.

693
00:35:48.239 --> 00:35:52.840
<v Speaker 16>Well, this gentleman went to Elite Dental and was not

694
00:35:53.079 --> 00:35:58.599
<v Speaker 16>very happy with the service they performed. So he is

695
00:35:58.639 --> 00:36:02.800
<v Speaker 16>looking to find somebody to bring a case in the meantime.

696
00:36:03.239 --> 00:36:05.280
<v Speaker 5>Well, wait a minute, wasn't this the guy that took

697
00:36:05.280 --> 00:36:06.280
<v Speaker 5>money and did nothing?

698
00:36:06.400 --> 00:36:07.639
<v Speaker 2>Or is that somebody.

699
00:36:07.239 --> 00:36:08.360
<v Speaker 10>Else that's something else?

700
00:36:08.920 --> 00:36:09.480
<v Speaker 3>Oh?

701
00:36:09.719 --> 00:36:12.280
<v Speaker 2>When was this one?

702
00:36:13.000 --> 00:36:14.119
<v Speaker 10>About two weeks ago?

703
00:36:14.559 --> 00:36:19.079
<v Speaker 2>What was his name? I don't know. It was Mohan, okay, Mohan.

704
00:36:19.360 --> 00:36:20.400
<v Speaker 10>So Mohan had some.

705
00:36:20.320 --> 00:36:25.039
<v Speaker 16>Work, some inferior dental work done and I had one one.

706
00:36:24.960 --> 00:36:27.760
<v Speaker 5>Dentists a dental implant, that's what it is.

707
00:36:28.119 --> 00:36:30.079
<v Speaker 2>So and he says it fell out and they did

708
00:36:30.159 --> 00:36:31.440
<v Speaker 2>nothing right.

709
00:36:31.679 --> 00:36:34.480
<v Speaker 16>So at first they wouldn't give him medical records. So

710
00:36:34.559 --> 00:36:38.920
<v Speaker 16>we finally told them that according to state law, just

711
00:36:38.960 --> 00:36:41.440
<v Speaker 16>because he owes the money, they do not have to.

712
00:36:41.679 --> 00:36:44.679
<v Speaker 16>They can't withhold his medical records. So I got a

713
00:36:44.679 --> 00:36:47.559
<v Speaker 16>hold of his medical records. I had one dentist look

714
00:36:47.599 --> 00:36:50.320
<v Speaker 16>at it, and he was kind of iffy whether or

715
00:36:50.400 --> 00:36:53.400
<v Speaker 16>not there was a case. So I have the name

716
00:36:53.559 --> 00:36:57.760
<v Speaker 16>of another lawyer who specializes in.

717
00:36:57.760 --> 00:37:00.719
<v Speaker 5>Dental I guess, I guess if some thing fell out.

718
00:37:00.800 --> 00:37:02.880
<v Speaker 5>He we don't know what fell off, if it was

719
00:37:02.920 --> 00:37:04.239
<v Speaker 5>the restoration.

720
00:37:04.239 --> 00:37:06.519
<v Speaker 2>The implant came out. But but but.

721
00:37:06.679 --> 00:37:10.320
<v Speaker 5>The records, Yeah, I mean it could be he chewed

722
00:37:10.360 --> 00:37:11.159
<v Speaker 5>on something.

723
00:37:10.920 --> 00:37:11.760
<v Speaker 2>Hard and broke it.

724
00:37:12.079 --> 00:37:15.639
<v Speaker 16>I mean, he's he's claiming that the ankle went through

725
00:37:15.679 --> 00:37:19.079
<v Speaker 16>his jaw, into his uh, into his cheek.

726
00:37:20.079 --> 00:37:22.440
<v Speaker 10>So what that's what he's claiming.

727
00:37:23.480 --> 00:37:26.000
<v Speaker 2>And the guy you had look at the records, what

728
00:37:26.079 --> 00:37:26.679
<v Speaker 2>did he say?

729
00:37:26.800 --> 00:37:29.679
<v Speaker 16>He said that the records were not very good and

730
00:37:29.760 --> 00:37:33.199
<v Speaker 16>from what the records were, he couldn't really make a determination.

731
00:37:33.920 --> 00:37:36.880
<v Speaker 2>So I have somebody.

732
00:37:36.519 --> 00:37:39.719
<v Speaker 16>Who's going to give me the name of an attorney

733
00:37:39.760 --> 00:37:43.679
<v Speaker 16>who specializes in dental malpractice, and I'm going to see

734
00:37:43.679 --> 00:37:46.599
<v Speaker 16>if I can get Moan at half an hour interview

735
00:37:46.599 --> 00:37:48.880
<v Speaker 16>with him to evaluate the case.

736
00:37:49.440 --> 00:37:52.679
<v Speaker 2>So this is weird, though it is weird.

737
00:37:52.840 --> 00:37:56.519
<v Speaker 5>He said the implant. Did anyone actually look at him?

738
00:37:56.559 --> 00:37:59.119
<v Speaker 5>Did another dentist look at him? Yet he should go

739
00:37:59.159 --> 00:37:59.840
<v Speaker 5>to another dent.

740
00:38:00.440 --> 00:38:01.400
<v Speaker 10>That's what I'm trying to do.

741
00:38:01.599 --> 00:38:02.760
<v Speaker 2>I mean, if he said.

742
00:38:02.559 --> 00:38:06.800
<v Speaker 5>The implant the metal part went through his cheek, I

743
00:38:06.840 --> 00:38:07.639
<v Speaker 5>don't get it.

744
00:38:07.960 --> 00:38:08.880
<v Speaker 10>I don't even tell them.

745
00:38:08.920 --> 00:38:12.360
<v Speaker 16>It's there's some holes in his story, and there's some

746
00:38:13.760 --> 00:38:17.840
<v Speaker 16>complications about how he behaved with the staff at the

747
00:38:17.880 --> 00:38:18.559
<v Speaker 16>at the clinic.

748
00:38:19.039 --> 00:38:22.840
<v Speaker 10>So it's not just as simple he said. She said either.

749
00:38:23.239 --> 00:38:27.000
<v Speaker 16>There's a whole bunch of confounding factors that I'm trying.

750
00:38:26.679 --> 00:38:27.519
<v Speaker 10>To get in order.

751
00:38:28.679 --> 00:38:31.360
<v Speaker 16>Sorry, I will give you an update as soon as

752
00:38:31.360 --> 00:38:34.639
<v Speaker 16>I get him an interview with this dental attorney.

753
00:38:35.679 --> 00:38:38.960
<v Speaker 2>So, Kevin, is it?

754
00:38:39.440 --> 00:38:42.480
<v Speaker 5>Why is it that I'm hearing mostly about body shops

755
00:38:43.840 --> 00:38:45.679
<v Speaker 5>for big delays on cars?

756
00:38:46.000 --> 00:38:48.679
<v Speaker 2>What is it about? What is it about bodies?

757
00:38:48.880 --> 00:38:51.760
<v Speaker 9>The parts are brutal, That's that's the biggest thing, you know,

758
00:38:51.800 --> 00:38:53.239
<v Speaker 9>And they don't want to start on a car till

759
00:38:53.239 --> 00:38:55.719
<v Speaker 9>all the parts are there, which is understandable. But it's

760
00:38:55.760 --> 00:38:57.039
<v Speaker 9>like you said, you don't want to bring the car

761
00:38:57.400 --> 00:38:59.280
<v Speaker 9>to all the parts are there, So there's got to

762
00:38:59.280 --> 00:39:02.119
<v Speaker 9>be a middle row. You know, you can't sit a

763
00:39:02.159 --> 00:39:04.599
<v Speaker 9>car for two months. I mean most rental you know

764
00:39:05.119 --> 00:39:07.440
<v Speaker 9>on insurance is what thirty days, so you're out of

765
00:39:07.440 --> 00:39:08.639
<v Speaker 9>rental and okay, so.

766
00:39:10.360 --> 00:39:13.360
<v Speaker 5>Yeah, they're just why don't they suggest what I do?

767
00:39:13.719 --> 00:39:18.320
<v Speaker 5>Why don't they suggest that people order the parts first?

768
00:39:19.840 --> 00:39:20.800
<v Speaker 2>Why don't they do that?

769
00:39:21.880 --> 00:39:23.920
<v Speaker 9>It makes too much sense, I think. I don't know.

770
00:39:24.119 --> 00:39:26.199
<v Speaker 2>No, I mean that that would be the way to

771
00:39:26.280 --> 00:39:26.639
<v Speaker 2>do it.

772
00:39:26.719 --> 00:39:32.039
<v Speaker 5>I mean, try to you know, try to get your

773
00:39:32.159 --> 00:39:37.159
<v Speaker 5>your parts in first before you bother doing everything else.

774
00:39:37.280 --> 00:39:40.440
<v Speaker 2>I mean, you know, I mean to me, it's just logical.

775
00:39:40.719 --> 00:39:44.320
<v Speaker 9>It makes sense. It's but I don't know why they're

776
00:39:44.320 --> 00:39:46.519
<v Speaker 9>and they're chronically backed up. The ones that we work

777
00:39:46.559 --> 00:39:48.400
<v Speaker 9>with are the same thing. I mean, they'll get a

778
00:39:48.400 --> 00:39:51.320
<v Speaker 9>car in there three four weeks, you know, before they

779
00:39:51.360 --> 00:39:53.920
<v Speaker 9>can start on them, before they can finish them sometimes.

780
00:39:54.280 --> 00:39:57.599
<v Speaker 5>Okay, so uh three oh three Martino three all three six,

781
00:39:57.679 --> 00:40:02.360
<v Speaker 5>two seven, eight, four sixty six. Okay, I have this

782
00:40:03.320 --> 00:40:06.679
<v Speaker 5>particular let me see where it is. I had this

783
00:40:07.000 --> 00:40:09.719
<v Speaker 5>one issue come up today I wanted to talk about

784
00:40:10.039 --> 00:40:14.480
<v Speaker 5>because it's something that I said should I mean, I

785
00:40:14.519 --> 00:40:17.800
<v Speaker 5>think it's it's amazing. Okay, So, and this is not

786
00:40:18.079 --> 00:40:21.800
<v Speaker 5>the political part. Please, I don't care about who you

787
00:40:22.360 --> 00:40:24.440
<v Speaker 5>want to vote for or anything. This has nothing to

788
00:40:24.480 --> 00:40:26.880
<v Speaker 5>do with that. But it has to do with the

789
00:40:26.920 --> 00:40:30.320
<v Speaker 5>civil case against Trump in New York.

790
00:40:32.320 --> 00:40:35.760
<v Speaker 2>It's it's under appeal now.

791
00:40:37.159 --> 00:40:41.599
<v Speaker 5>Trump said the half a billion dollars in fines are

792
00:40:41.719 --> 00:40:46.480
<v Speaker 5>unjust and that the bond was too big. They reduced

793
00:40:46.480 --> 00:40:49.000
<v Speaker 5>the bond in the appeals court. But the appeals court.

794
00:40:48.840 --> 00:40:50.239
<v Speaker 2>Is now looking at the whole case.

795
00:40:52.079 --> 00:40:56.639
<v Speaker 5>Now, this case was brought by the state attorney General,

796
00:40:56.679 --> 00:40:59.719
<v Speaker 5>I believe in Or it could have been Manhattan, whatever

797
00:40:59.760 --> 00:41:00.000
<v Speaker 5>it was.

798
00:41:00.119 --> 00:41:06.519
<v Speaker 2>It was brought against Trump for lying on his financials.

799
00:41:06.760 --> 00:41:10.760
<v Speaker 5>Remember that they said that he overvalued assets in order

800
00:41:10.800 --> 00:41:11.400
<v Speaker 5>to get a loan.

801
00:41:11.960 --> 00:41:15.199
<v Speaker 2>Now, remember he did not default on the loan. The

802
00:41:15.280 --> 00:41:15.840
<v Speaker 2>loan was.

803
00:41:15.800 --> 00:41:21.800
<v Speaker 5>Paid back with every cent of interest. The banks themselves did.

804
00:41:21.599 --> 00:41:24.480
<v Speaker 2>Not want anything done about it.

805
00:41:25.119 --> 00:41:27.960
<v Speaker 5>They did not claim they were victims, They did not

806
00:41:28.559 --> 00:41:29.679
<v Speaker 5>press charges.

807
00:41:30.079 --> 00:41:30.719
<v Speaker 2>They were not.

808
00:41:31.480 --> 00:41:38.280
<v Speaker 5>They just didn't want anything done this. Basically, the prosecutor

809
00:41:39.480 --> 00:41:41.920
<v Speaker 5>on her own decided, we're going after you for this.

810
00:41:42.880 --> 00:41:46.960
<v Speaker 5>And here's what it was. The Attorney General Tiss James.

811
00:41:47.559 --> 00:41:53.519
<v Speaker 5>Now what happened was the person representing the Attorney General

812
00:41:53.599 --> 00:42:00.599
<v Speaker 5>in front of the appeals court started the argument and

813
00:42:00.679 --> 00:42:06.880
<v Speaker 5>as soon as she started arguing for the attorney general,

814
00:42:06.880 --> 00:42:11.639
<v Speaker 5>as soon as she started she was cut off by

815
00:42:11.719 --> 00:42:15.280
<v Speaker 5>the judges on the appeals court and.

816
00:42:15.199 --> 00:42:20.400
<v Speaker 2>Said, have you ever before used.

817
00:42:21.000 --> 00:42:27.760
<v Speaker 5>This statute to upset a private business transaction that was

818
00:42:27.920 --> 00:42:33.000
<v Speaker 5>between equally sophisticated partners. What he was saying, is the

819
00:42:33.039 --> 00:42:37.800
<v Speaker 5>bank get you know, takes his financial statement, Trump submits

820
00:42:37.800 --> 00:42:38.920
<v Speaker 5>his financial statement.

821
00:42:39.320 --> 00:42:43.400
<v Speaker 2>Who are you to say that he lied? They didn't care.

822
00:42:43.679 --> 00:42:46.559
<v Speaker 5>By the way, for those of you in business, you

823
00:42:46.639 --> 00:42:49.400
<v Speaker 5>know when you submit a financial statement, they don't require

824
00:42:49.400 --> 00:42:52.960
<v Speaker 5>an audited financial statement, and you know you have to

825
00:42:52.960 --> 00:42:55.360
<v Speaker 5>say it's true, right, you know, sign something saying to

826
00:42:55.400 --> 00:42:58.039
<v Speaker 5>the best of mind own and but you are the

827
00:42:58.039 --> 00:43:00.239
<v Speaker 5>one that values your stuff. They ask you how many

828
00:43:00.280 --> 00:43:05.760
<v Speaker 5>cars you have, what they're worth, furniture, appliances, you know

829
00:43:06.000 --> 00:43:08.320
<v Speaker 5>of whatever, you know, work tools.

830
00:43:08.559 --> 00:43:09.840
<v Speaker 2>This is on a personal loan.

831
00:43:10.039 --> 00:43:13.559
<v Speaker 5>They might ask you in business what the real estate

832
00:43:13.639 --> 00:43:14.840
<v Speaker 5>is worth, what certain.

833
00:43:14.559 --> 00:43:15.199
<v Speaker 2>Things are worth.

834
00:43:15.400 --> 00:43:17.719
<v Speaker 5>We're not talking about loans against the business. We're talking

835
00:43:17.719 --> 00:43:20.519
<v Speaker 5>about business loans where they want to see your net worth,

836
00:43:20.599 --> 00:43:23.440
<v Speaker 5>So your financial statement to show your net worth. We're

837
00:43:23.440 --> 00:43:25.679
<v Speaker 5>not talking about lying on the property you get the

838
00:43:25.719 --> 00:43:29.159
<v Speaker 5>loan for that's appraised. We're talking about when you give

839
00:43:29.159 --> 00:43:30.440
<v Speaker 5>a picture of yourself.

840
00:43:30.480 --> 00:43:32.400
<v Speaker 2>They want to know what you own and what you owe.

841
00:43:32.679 --> 00:43:35.480
<v Speaker 5>So you give a value to your car, you give

842
00:43:35.480 --> 00:43:39.440
<v Speaker 5>a value to your collectibles, you give values to stuff

843
00:43:39.480 --> 00:43:41.920
<v Speaker 5>you own, and they're saying he overvalued.

844
00:43:42.400 --> 00:43:45.039
<v Speaker 2>Now, the banks did not loan on that stuff. That

845
00:43:45.440 --> 00:43:47.039
<v Speaker 2>was just a financial statement.

846
00:43:47.880 --> 00:43:50.599
<v Speaker 5>It seems like the appeals court, although they haven't rendered

847
00:43:50.599 --> 00:43:54.400
<v Speaker 5>a decision yet, we're very skeptical on this case and

848
00:43:54.440 --> 00:43:58.880
<v Speaker 5>why it was brought and how it is deserves a

849
00:43:58.920 --> 00:44:02.719
<v Speaker 5>half a billion dollar in damages when even the so

850
00:44:02.960 --> 00:44:08.519
<v Speaker 5>called victims themselves did not ask for anything to be done.

851
00:44:08.559 --> 00:44:11.800
<v Speaker 5>That is really an incredible case. Think about this.

852
00:44:13.920 --> 00:44:17.880
<v Speaker 2>Okay, Constantina, what's going on?

853
00:44:19.400 --> 00:44:19.840
<v Speaker 17>Oaker?

854
00:44:21.239 --> 00:44:22.199
<v Speaker 13>Well, I'm having.

855
00:44:23.800 --> 00:44:24.800
<v Speaker 12>Multiple issues here.

856
00:44:25.079 --> 00:44:27.679
<v Speaker 18>The first main one is up in hopped offer screens

857
00:44:27.679 --> 00:44:29.000
<v Speaker 18>of property issue.

858
00:44:29.440 --> 00:44:31.320
<v Speaker 2>Okay, what's going on up there?

859
00:44:32.119 --> 00:44:35.199
<v Speaker 18>So what's going on up there? Is one of my neighbors.

860
00:44:35.719 --> 00:44:36.320
<v Speaker 18>We haven't.

861
00:44:40.840 --> 00:44:43.679
<v Speaker 2>You have an easement? Will you have an easement that

862
00:44:43.760 --> 00:44:45.559
<v Speaker 2>goes across your neighbor's property?

863
00:44:46.559 --> 00:44:49.639
<v Speaker 13>It goes across our property, so they have access.

864
00:44:49.800 --> 00:44:52.400
<v Speaker 5>To get to the Okay, So there's an easement on

865
00:44:52.440 --> 00:44:54.480
<v Speaker 5>your property that gives them access.

866
00:44:54.559 --> 00:44:56.719
<v Speaker 2>Okay, correct, And.

867
00:44:59.119 --> 00:45:02.519
<v Speaker 18>It's kind of hard to explain. It's it's on the

868
00:45:02.559 --> 00:45:07.840
<v Speaker 18>mountain side, on the backside. So as you're going, and

869
00:45:07.880 --> 00:45:08.519
<v Speaker 18>what does it?

870
00:45:08.559 --> 00:45:12.079
<v Speaker 5>Is it their main access to their property?

871
00:45:12.559 --> 00:45:16.239
<v Speaker 18>Yes, okay, yes, this is the only way they can

872
00:45:16.280 --> 00:45:18.840
<v Speaker 18>access there, but for now, for now, But they did

873
00:45:18.880 --> 00:45:22.760
<v Speaker 18>purchase the lots next to them, which I get it.

874
00:45:22.840 --> 00:45:25.719
<v Speaker 5>But right now there is an easement on your property

875
00:45:26.119 --> 00:45:29.519
<v Speaker 5>to give the neighbors access to their property.

876
00:45:30.360 --> 00:45:32.039
<v Speaker 12>Yes, okay, yes.

877
00:45:32.280 --> 00:45:36.239
<v Speaker 18>And so in the meantime, when we spoke with my neighbors,

878
00:45:37.000 --> 00:45:39.000
<v Speaker 18>specifically told her, hey, we're going to do a survey.

879
00:45:39.239 --> 00:45:40.800
<v Speaker 18>I need to figure out these property lines so we

880
00:45:40.840 --> 00:45:43.559
<v Speaker 18>can figure out what to do with this property, whether

881
00:45:43.679 --> 00:45:46.960
<v Speaker 18>sell it.

882
00:45:45.719 --> 00:45:47.760
<v Speaker 2>To sell what to sell your property?

883
00:45:48.400 --> 00:45:52.199
<v Speaker 18>Yes, to sell our property in the cabin or demolish

884
00:45:52.400 --> 00:45:57.679
<v Speaker 18>our cabin and uh do a new structure, rebuild the cabin.

885
00:45:57.920 --> 00:45:59.679
<v Speaker 5>Right, you're trying to figure out what to do, So

886
00:45:59.719 --> 00:46:01.559
<v Speaker 5>you want, I want to do a survey, right, hold on,

887
00:46:01.599 --> 00:46:02.840
<v Speaker 5>and I'm gonna come right back to you.

888
00:46:03.159 --> 00:46:04.119
<v Speaker 2>I'm Tom Martino.

889
00:46:04.480 --> 00:46:07.320
<v Speaker 5>Any and all calls three O three seven one three

890
00:46:07.440 --> 00:46:09.199
<v Speaker 5>talk seven one three eight two five five or three

891
00:46:09.280 --> 00:46:10.920
<v Speaker 5>oh three Martino three O.

892
00:46:10.960 --> 00:46:13.599
<v Speaker 2>Three six two seven eight four sixty six.

893
00:46:19.320 --> 00:46:22.599
<v Speaker 5>Go with a sure thing. Denver's Best roofer Excel roofing

894
00:46:22.719 --> 00:46:25.360
<v Speaker 5>dot com. You don't pay a cent until you're content.

895
00:46:28.719 --> 00:46:32.280
<v Speaker 5>Time for an insurance checkup free, no obligation. Comparison call

896
00:46:32.360 --> 00:46:35.679
<v Speaker 5>Compass Insurance paying too much your coverage at dozens of

897
00:46:35.719 --> 00:46:38.679
<v Speaker 5>insurance companies find out now three oh three seven seven

898
00:46:38.679 --> 00:46:41.440
<v Speaker 5>to one help. You'll think you're his only customer when

899
00:46:41.480 --> 00:46:43.960
<v Speaker 5>you choose Frank durand the real estate Man dot com

900
00:46:44.000 --> 00:46:47.119
<v Speaker 5>to list your home with Remax Alliance three oh three

901
00:46:47.199 --> 00:46:58.239
<v Speaker 5>nine two zero sixteen twenty two. Hi Tom Martino, you're

902
00:46:58.519 --> 00:47:02.400
<v Speaker 5>troubleshooter three all three seven one three talk three all

903
00:47:02.440 --> 00:47:07.239
<v Speaker 5>three seven one three eight two five five. So Constantina

904
00:47:07.400 --> 00:47:11.800
<v Speaker 5>says that there's an easement honor property to give the

905
00:47:11.840 --> 00:47:16.280
<v Speaker 5>neighbor access to their property. And you were talking about

906
00:47:16.320 --> 00:47:19.760
<v Speaker 5>selling your property and you want to get a survey,

907
00:47:19.840 --> 00:47:22.119
<v Speaker 5>so continue your story.

908
00:47:22.760 --> 00:47:25.000
<v Speaker 13>So we ended up.

909
00:47:25.760 --> 00:47:29.760
<v Speaker 18>My neighbor knew that we were doing a survey, and

910
00:47:29.840 --> 00:47:34.000
<v Speaker 18>it just so happened that there's a picnic that goes

911
00:47:34.000 --> 00:47:39.000
<v Speaker 18>on every year up in Hot Offer, and she called

912
00:47:39.039 --> 00:47:44.320
<v Speaker 18>me and asked if we were going to be good

913
00:47:44.320 --> 00:47:46.119
<v Speaker 18>for the weekend. I told her we.

914
00:47:46.039 --> 00:47:47.519
<v Speaker 2>Are not well.

915
00:47:48.360 --> 00:47:50.679
<v Speaker 5>Without all I don't need to know the conversation back

916
00:47:50.679 --> 00:47:52.760
<v Speaker 5>and forth, just get to the meat of this about

917
00:47:52.800 --> 00:47:56.039
<v Speaker 5>the survey. Though, I understand you want to tell me everything,

918
00:47:56.039 --> 00:47:59.639
<v Speaker 5>but I'll ask questions. What about the survey and whether

919
00:47:59.679 --> 00:48:01.679
<v Speaker 5>you're going to the cookout or not? I don't really care.

920
00:48:01.760 --> 00:48:03.880
<v Speaker 5>So what about the survey?

921
00:48:04.000 --> 00:48:06.320
<v Speaker 18>So when we did the survey, it shows obviously that

922
00:48:06.360 --> 00:48:11.760
<v Speaker 18>this is our lot and the easement, it's the eavenent

923
00:48:11.880 --> 00:48:15.239
<v Speaker 18>is on our lot. But it gives them access to their.

924
00:48:15.119 --> 00:48:16.559
<v Speaker 2>Property of course.

925
00:48:16.639 --> 00:48:17.639
<v Speaker 10>Yeah, what.

926
00:48:19.159 --> 00:48:25.519
<v Speaker 18>She excavated the easement which is our lot that has

927
00:48:25.639 --> 00:48:26.440
<v Speaker 18>caused erosion.

928
00:48:27.079 --> 00:48:29.599
<v Speaker 2>Now, what do you mean they excavated it? What does

929
00:48:29.639 --> 00:48:31.360
<v Speaker 2>that mean? They? What do they do?

930
00:48:31.519 --> 00:48:33.199
<v Speaker 13>The driveway is only.

931
00:48:34.400 --> 00:48:38.440
<v Speaker 18>Say, it's about twelve feet wide, okay, to go straight

932
00:48:38.519 --> 00:48:41.480
<v Speaker 18>up the mountain and you know, to the top. What

933
00:48:41.519 --> 00:48:45.960
<v Speaker 18>she ended up doing is excavate. Had a company or

934
00:48:46.000 --> 00:48:47.280
<v Speaker 18>a friend or somebody?

935
00:48:47.320 --> 00:48:49.639
<v Speaker 2>Did they widen the ease? Man? Is that what you're saying?

936
00:48:49.639 --> 00:48:50.719
<v Speaker 2>They widened the path?

937
00:48:51.360 --> 00:48:51.679
<v Speaker 11>Correct?

938
00:48:52.119 --> 00:48:54.239
<v Speaker 2>Okay, that's that's what I need to know. They widened

939
00:48:54.239 --> 00:48:56.480
<v Speaker 2>the path and what did that do? So?

940
00:48:56.480 --> 00:48:59.519
<v Speaker 5>So are they taking more than the easement calls for?

941
00:49:00.440 --> 00:49:00.719
<v Speaker 19>Correct?

942
00:49:02.039 --> 00:49:10.199
<v Speaker 18>Yes, Okay, they should not excuse me, they should without

943
00:49:10.239 --> 00:49:15.920
<v Speaker 18>our permission, they should not change anything to our so

944
00:49:16.039 --> 00:49:17.280
<v Speaker 18>called driveway to the.

945
00:49:17.199 --> 00:49:21.320
<v Speaker 5>Easy I understand, well, hold on the easement that they have.

946
00:49:21.639 --> 00:49:24.159
<v Speaker 5>They widened, they didn't like how wide it was.

947
00:49:24.199 --> 00:49:29.719
<v Speaker 18>They made it wider, correct, but they needed our permission.

948
00:49:29.960 --> 00:49:32.280
<v Speaker 5>Well, of course they did, of course they did. They

949
00:49:32.519 --> 00:49:34.199
<v Speaker 5>they're outside of the easemen.

950
00:49:35.239 --> 00:49:35.400
<v Speaker 10>Huh.

951
00:49:36.079 --> 00:49:41.480
<v Speaker 5>Okay, So now what exactly how much did they widen it? Well,

952
00:49:41.559 --> 00:49:42.880
<v Speaker 5>how wide was the easement?

953
00:49:46.679 --> 00:49:51.239
<v Speaker 18>Gibert takes a twelve feet now it's about because it

954
00:49:51.320 --> 00:49:53.880
<v Speaker 18>kind of slopes, I would say, just between fifteen and

955
00:49:53.920 --> 00:49:55.920
<v Speaker 18>eighteen feet, all right.

956
00:49:55.719 --> 00:49:58.679
<v Speaker 5>So no matter what, they're not supposed to do that. Okay,

957
00:49:58.719 --> 00:49:59.599
<v Speaker 5>so you're in it right.

958
00:50:00.280 --> 00:50:00.840
<v Speaker 7>So now what.

959
00:50:02.480 --> 00:50:09.000
<v Speaker 18>Well, now that it's caused erosion, that's starting to crumble,

960
00:50:11.960 --> 00:50:14.760
<v Speaker 18>it's kind of making like a little landslide, which means

961
00:50:14.760 --> 00:50:17.039
<v Speaker 18>the front of the cabin is just.

962
00:50:17.159 --> 00:50:20.280
<v Speaker 5>They're just them widening that. By the way, is this

963
00:50:20.440 --> 00:50:22.239
<v Speaker 5>gravel dirt or is.

964
00:50:22.159 --> 00:50:27.119
<v Speaker 2>It paved gravel? And when they widened it, did they

965
00:50:27.159 --> 00:50:28.920
<v Speaker 2>put gravel on the widened area?

966
00:50:31.159 --> 00:50:32.480
<v Speaker 18>They ended up putting.

967
00:50:34.360 --> 00:50:35.559
<v Speaker 20>Like a road based type.

968
00:50:35.880 --> 00:50:39.280
<v Speaker 2>Okay, fine, so is it are you sure?

969
00:50:39.320 --> 00:50:41.880
<v Speaker 5>That's the only time it started eroding is when they

970
00:50:41.920 --> 00:50:43.760
<v Speaker 5>did that absolutely?

971
00:50:44.519 --> 00:50:46.679
<v Speaker 2>Now does your usually.

972
00:50:46.639 --> 00:50:49.639
<v Speaker 5>Counties require some kind of an excavation permitt?

973
00:50:50.199 --> 00:50:50.280
<v Speaker 14>Uh?

974
00:50:50.360 --> 00:50:50.519
<v Speaker 7>Huh?

975
00:50:51.239 --> 00:50:51.719
<v Speaker 2>Did they?

976
00:50:52.079 --> 00:50:56.599
<v Speaker 5>Were they supposed to pull a permint?

977
00:50:57.039 --> 00:50:59.039
<v Speaker 2>That's yes or no, it doesn't. If you don't know,

978
00:50:59.119 --> 00:50:59.880
<v Speaker 2>that's an I don't know.

979
00:51:01.840 --> 00:51:02.519
<v Speaker 18>I don't know.

980
00:51:02.679 --> 00:51:08.639
<v Speaker 5>Okay, now what do you Unfortunately, this happens. Okay, it

981
00:51:08.719 --> 00:51:12.000
<v Speaker 5>happens a lot where people abuse and easement. But it's

982
00:51:12.079 --> 00:51:12.519
<v Speaker 5>up to you.

983
00:51:12.480 --> 00:51:13.920
<v Speaker 2>To take action against them.

984
00:51:14.239 --> 00:51:16.199
<v Speaker 5>If you don't like the way it is and it's

985
00:51:16.199 --> 00:51:20.719
<v Speaker 5>caused you damage, you got to file a lawsuit against them.

986
00:51:20.760 --> 00:51:22.719
<v Speaker 2>I mean, you really do. You're in the right.

987
00:51:23.320 --> 00:51:25.159
<v Speaker 5>I mean, if you had an attorney write them a

988
00:51:25.239 --> 00:51:27.960
<v Speaker 5>letter like our real estate attorney, that could help you.

989
00:51:28.679 --> 00:51:32.679
<v Speaker 5>But you know, it's unfortunately your expense to threaten them

990
00:51:32.719 --> 00:51:35.400
<v Speaker 5>and to go after them. But I don't see how

991
00:51:35.400 --> 00:51:38.760
<v Speaker 5>they can win, and maybe they would back off. What

992
00:51:38.880 --> 00:51:40.760
<v Speaker 5>do you want them to do now that they've already

993
00:51:40.800 --> 00:51:43.480
<v Speaker 5>widened it? What exactly do you want? Let's put it

994
00:51:43.519 --> 00:51:43.880
<v Speaker 5>that way.

995
00:51:46.440 --> 00:51:49.320
<v Speaker 18>Well, originally when I wanted to do the survey, it

996
00:51:49.400 --> 00:51:50.159
<v Speaker 18>was because what do you.

997
00:51:50.159 --> 00:51:52.360
<v Speaker 5>Want right now? Is what I'm asking? Do you want

998
00:51:52.400 --> 00:51:53.599
<v Speaker 5>them to put it back the way?

999
00:51:53.639 --> 00:51:56.239
<v Speaker 18>It was no, because they can't.

1000
00:51:57.440 --> 00:51:58.440
<v Speaker 2>So what do you want?

1001
00:51:59.280 --> 00:52:03.119
<v Speaker 18>Well, from my understanding, they need to. I feel like

1002
00:52:03.159 --> 00:52:06.840
<v Speaker 18>they need to be held responsible and liable for getting

1003
00:52:06.840 --> 00:52:08.239
<v Speaker 18>a structural engineer out there.

1004
00:52:10.239 --> 00:52:11.880
<v Speaker 2>What structure? What structure?

1005
00:52:12.519 --> 00:52:15.599
<v Speaker 18>Well, that's where I'm a little confused.

1006
00:52:15.639 --> 00:52:20.280
<v Speaker 2>Is Constantina, please help me here?

1007
00:52:20.400 --> 00:52:25.000
<v Speaker 5>Now I understand I'm really trying to help you. It's

1008
00:52:25.079 --> 00:52:29.280
<v Speaker 5>causing erosion. You never mentioned a structure. Is it hurting

1009
00:52:29.320 --> 00:52:29.920
<v Speaker 5>your house?

1010
00:52:31.519 --> 00:52:31.719
<v Speaker 18>Yes?

1011
00:52:31.800 --> 00:52:32.519
<v Speaker 11>I said that earlier.

1012
00:52:32.599 --> 00:52:35.559
<v Speaker 18>It's going to cause the front of the cabin, the

1013
00:52:35.599 --> 00:52:37.119
<v Speaker 18>porch to come down.

1014
00:52:37.519 --> 00:52:40.480
<v Speaker 2>That you're right, You're right, I forgot that. Now here's

1015
00:52:40.519 --> 00:52:43.039
<v Speaker 2>what I want to know. How you say it's going

1016
00:52:43.079 --> 00:52:45.880
<v Speaker 2>to do you know that for sure? Or someone told

1017
00:52:45.880 --> 00:52:46.280
<v Speaker 2>you that.

1018
00:52:47.239 --> 00:52:49.800
<v Speaker 18>One of the surveyors mentioned that as well after I

1019
00:52:49.880 --> 00:52:50.719
<v Speaker 18>said that too.

1020
00:52:51.360 --> 00:52:56.039
<v Speaker 5>Okay, now now that survey can't tell you that. But

1021
00:52:56.639 --> 00:53:00.320
<v Speaker 5>if you are having erosion and you feel it going

1022
00:53:00.360 --> 00:53:04.480
<v Speaker 5>to cause damage to your cabin, how far away is

1023
00:53:04.519 --> 00:53:05.559
<v Speaker 5>this path to your.

1024
00:53:05.440 --> 00:53:12.639
<v Speaker 18>Cabin to the front corner the feet?

1025
00:53:13.159 --> 00:53:15.880
<v Speaker 5>Oh my gosh, wait, they come that close to your

1026
00:53:15.880 --> 00:53:19.599
<v Speaker 5>cabin when they drive on their property. Yes, they come

1027
00:53:19.679 --> 00:53:22.199
<v Speaker 5>within five feet of your front porch.

1028
00:53:25.960 --> 00:53:29.280
<v Speaker 18>As you're going up to the driveway. Yeah, our cabin

1029
00:53:29.360 --> 00:53:30.159
<v Speaker 18>is to the right.

1030
00:53:30.679 --> 00:53:32.199
<v Speaker 2>Yeah, but how many feet to the right.

1031
00:53:33.440 --> 00:53:38.039
<v Speaker 18>Well before it was about right feet, now it's about five.

1032
00:53:38.400 --> 00:53:41.159
<v Speaker 5>Okay, listen, you definitely need to do you need to

1033
00:53:41.199 --> 00:53:44.840
<v Speaker 5>take some action. Okay, but you say they're responsible, but

1034
00:53:45.679 --> 00:53:46.719
<v Speaker 5>there's okay.

1035
00:53:47.000 --> 00:53:51.679
<v Speaker 2>You can't go to court without a target. You need one.

1036
00:53:51.719 --> 00:53:54.679
<v Speaker 2>I don't even know what you're looking for at this point.

1037
00:53:55.800 --> 00:53:59.039
<v Speaker 5>They haven't done damage yet you're saying they're going to

1038
00:53:59.119 --> 00:54:03.320
<v Speaker 5>do damage. Okay, you need a structural engineer. You're right

1039
00:54:03.719 --> 00:54:06.400
<v Speaker 5>to assess it. You need to pay for that. You

1040
00:54:06.599 --> 00:54:10.239
<v Speaker 5>need to say this is what they cause by widening

1041
00:54:10.280 --> 00:54:14.039
<v Speaker 5>the driveway, and therefore they need to I don't know what,

1042
00:54:14.480 --> 00:54:17.440
<v Speaker 5>shore up your cabin, put up a retaining wall or

1043
00:54:17.480 --> 00:54:20.639
<v Speaker 5>whatever an engineer says it would take to fix. They're

1044
00:54:20.639 --> 00:54:23.880
<v Speaker 5>going to be responsible, but first you have to come

1045
00:54:23.960 --> 00:54:27.039
<v Speaker 5>up with the evidence. And you can't just go to

1046
00:54:27.079 --> 00:54:30.800
<v Speaker 5>court because you're pissed off. So you need a structural engineer.

1047
00:54:31.079 --> 00:54:33.480
<v Speaker 5>And I don't know of any there, but you need

1048
00:54:33.519 --> 00:54:37.039
<v Speaker 5>to find a structural engineer to do a drainage study

1049
00:54:37.079 --> 00:54:39.599
<v Speaker 5>and to figure out what harm it's going to do.

1050
00:54:39.679 --> 00:54:41.599
<v Speaker 2>You maybe the survey or knows.

1051
00:54:41.400 --> 00:54:43.679
<v Speaker 5>Someone and then you're going to have to pay for

1052
00:54:43.760 --> 00:54:45.880
<v Speaker 5>that report, and you're going to have to get them

1053
00:54:45.960 --> 00:54:48.719
<v Speaker 5>to testify. You go to court, and you're going to

1054
00:54:48.800 --> 00:54:52.639
<v Speaker 5>need a solution, not just the problem, but a solution

1055
00:54:53.239 --> 00:54:57.039
<v Speaker 5>that they have to tell you in order to fix this. Constantina,

1056
00:54:57.280 --> 00:54:59.880
<v Speaker 5>you're going to have to erect this wall, or you're

1057
00:55:00.000 --> 00:55:01.559
<v Speaker 5>you're going to have to do this, or you're gonna

1058
00:55:01.639 --> 00:55:04.719
<v Speaker 5>have to do that, or you make them put it

1059
00:55:04.800 --> 00:55:07.519
<v Speaker 5>back the way it was and they have to sod

1060
00:55:07.679 --> 00:55:11.519
<v Speaker 5>or whatever was on that area that did not cause erosion.

1061
00:55:11.800 --> 00:55:15.360
<v Speaker 5>But if they're causing erosion and it's costing you some

1062
00:55:15.400 --> 00:55:18.199
<v Speaker 5>structural problems, then you got a problem.

1063
00:55:18.239 --> 00:55:20.840
<v Speaker 2>I agree with you. So that's what you do.

1064
00:55:20.960 --> 00:55:25.159
<v Speaker 5>First, First you get a structural engineer to assess the problem,

1065
00:55:25.480 --> 00:55:28.760
<v Speaker 5>and then you need an estimate on repairs. Then you

1066
00:55:28.880 --> 00:55:31.559
<v Speaker 5>get a real estate attorney to write them a letter

1067
00:55:32.079 --> 00:55:36.360
<v Speaker 5>and make a demand, and unfortunately, you have to go

1068
00:55:36.440 --> 00:55:39.320
<v Speaker 5>to court if they don't respond. This is a real

1069
00:55:39.400 --> 00:55:42.199
<v Speaker 5>pain in the ass for you. But I don't know

1070
00:55:42.239 --> 00:55:46.000
<v Speaker 5>what else you can do. How much is that cabin

1071
00:55:46.079 --> 00:55:49.000
<v Speaker 5>and property worth that you have, What is it really worth?

1072
00:55:49.880 --> 00:55:53.239
<v Speaker 18>Honestly, I don't know, because that's where I that's what's

1073
00:55:53.280 --> 00:55:55.679
<v Speaker 18>the process I was in is Yeah, I get it.

1074
00:55:55.760 --> 00:55:57.960
<v Speaker 5>I get Do you know of any other properties around

1075
00:55:58.000 --> 00:55:59.039
<v Speaker 5>there selling at all?

1076
00:56:00.559 --> 00:56:00.800
<v Speaker 2>Oh?

1077
00:56:00.920 --> 00:56:01.440
<v Speaker 14>No?

1078
00:56:01.920 --> 00:56:02.400
<v Speaker 2>Wow?

1079
00:56:02.920 --> 00:56:06.239
<v Speaker 5>So listen, what what do you need from us? You're

1080
00:56:06.280 --> 00:56:08.000
<v Speaker 5>in the right but you have to go on the

1081
00:56:08.039 --> 00:56:10.320
<v Speaker 5>right way. You have to get a structural engineer.

1082
00:56:10.360 --> 00:56:12.360
<v Speaker 2>Is that? Were you calling us for a referral for

1083
00:56:12.400 --> 00:56:13.960
<v Speaker 2>a structural engineer.

1084
00:56:14.920 --> 00:56:17.079
<v Speaker 18>For real estate attorney for structural engineer.

1085
00:56:17.159 --> 00:56:20.159
<v Speaker 5>Yeah, we have a real estate attorney olslaw dot com,

1086
00:56:20.199 --> 00:56:24.960
<v Speaker 5>O'Brien legal Services, and I'll give you his number, O'Brien

1087
00:56:25.079 --> 00:56:31.719
<v Speaker 5>Legal Services seven to zero three seven zero seven three

1088
00:56:31.880 --> 00:56:37.800
<v Speaker 5>eight eight, and that's olslaw dot com, Brad O'Brien. He's

1089
00:56:37.840 --> 00:56:40.760
<v Speaker 5>a real estate attorney for all things real estate. Now,

1090
00:56:40.840 --> 00:56:43.639
<v Speaker 5>as far as structural engineers, here's the thing.

1091
00:56:43.679 --> 00:56:45.639
<v Speaker 2>Where's that located? The cabin.

1092
00:56:47.039 --> 00:56:49.239
<v Speaker 18>Near like Grand Link Gramby.

1093
00:56:49.559 --> 00:56:51.119
<v Speaker 2>See, I don't know anyone up there.

1094
00:56:51.239 --> 00:56:52.920
<v Speaker 5>I know them down here, but it would cost you

1095
00:56:52.960 --> 00:56:54.239
<v Speaker 5>too much to have them go up there.

1096
00:56:54.639 --> 00:56:55.719
<v Speaker 2>I just don't know.

1097
00:56:56.039 --> 00:56:57.920
<v Speaker 5>I mean, you're gonna have to go and ask for

1098
00:56:58.000 --> 00:57:01.480
<v Speaker 5>some referrals or someone's list and they can make a referral,

1099
00:57:01.639 --> 00:57:05.079
<v Speaker 5>but you definitely need that. Maybe Brad O'Brien can help

1100
00:57:05.119 --> 00:57:08.440
<v Speaker 5>you find someone, but you need a structural engineer to

1101
00:57:08.599 --> 00:57:11.599
<v Speaker 5>assess damage and to estimate repairs.

1102
00:57:11.840 --> 00:57:14.760
<v Speaker 2>I'm Tom Martino. We have more coming right up.

1103
00:57:20.199 --> 00:57:23.480
<v Speaker 5>Go with a sure thing Denver's Best roofer Excel Roofing

1104
00:57:23.559 --> 00:57:26.239
<v Speaker 5>dot com. You don't pay a cent until you're content.

1105
00:57:29.599 --> 00:57:32.800
<v Speaker 5>Time for an insurance checkup free, no obligation. In comparison,

1106
00:57:32.920 --> 00:57:36.480
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

1107
00:57:36.480 --> 00:57:39.199
<v Speaker 5>of insurance companies find out now three all three seven

1108
00:57:39.239 --> 00:57:39.800
<v Speaker 5>to seven to one.

1109
00:57:39.920 --> 00:57:40.199
<v Speaker 2>Help.

1110
00:57:40.320 --> 00:57:42.960
<v Speaker 5>You'll think you're his only customer when you choose Frank

1111
00:57:43.039 --> 00:57:45.480
<v Speaker 5>durand the real estate Man dot com to list your

1112
00:57:45.519 --> 00:57:48.639
<v Speaker 5>home with Remax Alliance three all three nine two zero

1113
00:57:48.800 --> 00:57:58.320
<v Speaker 5>sixteen twenty two. Hi Tom Martino, your troubleshooter three O

1114
00:57:58.400 --> 00:58:02.719
<v Speaker 5>three seven one three talks seven three eight two five five.

1115
00:58:04.440 --> 00:58:09.079
<v Speaker 5>You know, I just can't believe that originally there was

1116
00:58:09.119 --> 00:58:13.239
<v Speaker 5>an easement even ten feet away from a house, and

1117
00:58:14.440 --> 00:58:15.960
<v Speaker 5>let alone five feet.

1118
00:58:17.199 --> 00:58:21.079
<v Speaker 2>That's the cabin. She didn't she didn't mention that, did she?

1119
00:58:21.320 --> 00:58:23.639
<v Speaker 9>When she wonder if them was there before the cabin,

1120
00:58:23.639 --> 00:58:24.519
<v Speaker 9>they shouldn't have built it.

1121
00:58:24.559 --> 00:58:26.679
<v Speaker 5>Really, if the easement was there before the cabin. I

1122
00:58:26.960 --> 00:58:29.559
<v Speaker 5>don't know, but they you're not allowed to widen an easement.

1123
00:58:29.920 --> 00:58:32.840
<v Speaker 5>Deputy Doc said, there's a possibility maybe the easement was

1124
00:58:32.920 --> 00:58:35.559
<v Speaker 5>wider all the time and they just graveled it. But

1125
00:58:36.320 --> 00:58:39.840
<v Speaker 5>actually that could be. But you would think this woman

1126
00:58:39.880 --> 00:58:43.039
<v Speaker 5>would know, except she was really devoid of details. We

1127
00:58:43.119 --> 00:58:47.199
<v Speaker 5>got an issue with a transmission on a twenty thirteen

1128
00:58:48.079 --> 00:58:50.360
<v Speaker 5>Ford f one fifty.

1129
00:58:50.440 --> 00:58:52.559
<v Speaker 2>By the way one fifties.

1130
00:58:52.719 --> 00:58:55.920
<v Speaker 5>They let we talked about longevity vehicles, the Ford one

1131
00:58:56.000 --> 00:58:57.480
<v Speaker 5>fifties last long time.

1132
00:58:57.639 --> 00:58:59.599
<v Speaker 9>I think, so, I mean it's it depends on the

1133
00:58:59.639 --> 00:59:02.400
<v Speaker 9>endine the driver, of course, but yeah, all on all

1134
00:59:02.400 --> 00:59:03.360
<v Speaker 9>their solid trucks.

1135
00:59:03.599 --> 00:59:05.199
<v Speaker 2>What engine do they have in their stuff?

1136
00:59:05.199 --> 00:59:08.159
<v Speaker 9>Well, they got turbos, twin turbos, all kind what's that?

1137
00:59:08.360 --> 00:59:11.400
<v Speaker 2>Does Kevin have to be turned up? All right? There?

1138
00:59:11.559 --> 00:59:15.920
<v Speaker 5>Turned Kevin up because you don't okay, So anyway, go ahead, Rick,

1139
00:59:15.960 --> 00:59:16.800
<v Speaker 5>what's your issue?

1140
00:59:18.599 --> 00:59:18.840
<v Speaker 2>Sure?

1141
00:59:19.239 --> 00:59:23.280
<v Speaker 17>Good morning, Tom, hey man, thank you for all all

1142
00:59:23.599 --> 00:59:24.519
<v Speaker 17>everything that you do.

1143
00:59:24.599 --> 00:59:28.159
<v Speaker 13>You're really thank you for our community.

1144
00:59:28.400 --> 00:59:30.599
<v Speaker 2>I love doing it, man. Yeah.

1145
00:59:30.719 --> 00:59:35.960
<v Speaker 15>My question is this, I've got a twenty thirteen one

1146
00:59:36.000 --> 00:59:40.679
<v Speaker 15>City f one and it's my body used from Triple

1147
00:59:40.800 --> 00:59:45.440
<v Speaker 15>A and I don't think it's ever been had a transmission.

1148
00:59:44.760 --> 00:59:49.440
<v Speaker 5>From Triple A. They sell cars. I know you don't

1149
00:59:49.440 --> 00:59:51.280
<v Speaker 5>mean Triple A Auto, do you?

1150
00:59:52.480 --> 00:59:52.800
<v Speaker 13>Yes?

1151
00:59:53.320 --> 00:59:54.920
<v Speaker 2>Wow, I didn't know they sold cars.

1152
00:59:55.000 --> 00:59:57.239
<v Speaker 9>I think he's the dealers called Triple A or something.

1153
00:59:58.320 --> 00:59:59.119
<v Speaker 19>Anyway, No, it's not.

1154
00:59:59.519 --> 01:00:00.840
<v Speaker 17>It's not a dealers Triple A.

1155
01:00:01.440 --> 01:00:03.920
<v Speaker 2>Okay. And you bought it use when.

1156
01:00:05.320 --> 01:00:10.400
<v Speaker 15>Uh twenty twenty and there was one hundred thousand on it,

1157
01:00:10.480 --> 01:00:12.320
<v Speaker 15>And I've been with put fourteen thousand off.

1158
01:00:14.119 --> 01:00:16.800
<v Speaker 5>You bought it used. There's other three four one fifty

1159
01:00:16.800 --> 01:00:17.960
<v Speaker 5>with one hundred thousand on it.

1160
01:00:18.760 --> 01:00:20.039
<v Speaker 2>Okay, right, got it?

1161
01:00:20.159 --> 01:00:22.559
<v Speaker 15>I only put I only put fourteen thousand on it.

1162
01:00:22.639 --> 01:00:25.239
<v Speaker 15>I only use it to go fishing in the mountains.

1163
01:00:25.440 --> 01:00:25.920
<v Speaker 2>Yeah, okay.

1164
01:00:25.960 --> 01:00:29.199
<v Speaker 15>Well my question, my question is the transmission service has

1165
01:00:29.280 --> 01:00:33.079
<v Speaker 15>never been done. The differentials were done Triple A. I

1166
01:00:33.159 --> 01:00:37.920
<v Speaker 15>took it to a mechanic and done a lot of

1167
01:00:37.960 --> 01:00:38.440
<v Speaker 15>work on.

1168
01:00:38.360 --> 01:00:41.840
<v Speaker 14>It, and but I can't find any.

1169
01:00:41.840 --> 01:00:46.199
<v Speaker 15>Documentation that the transmission flu was ever replaced. So I

1170
01:00:46.280 --> 01:00:49.480
<v Speaker 15>want to know is that a flush or is that

1171
01:00:49.760 --> 01:00:52.280
<v Speaker 15>a vehicle that can be drop a pan?

1172
01:00:52.800 --> 01:00:55.480
<v Speaker 2>You drop a pan, and yeah, you dropped them? Why

1173
01:00:55.559 --> 01:00:58.280
<v Speaker 2>you prefer that? And when Jeff Thick says that's.

1174
01:00:58.159 --> 01:01:00.159
<v Speaker 9>The same thing because when these you know, the the

1175
01:01:00.239 --> 01:01:02.360
<v Speaker 9>oil change places if you will, they hook a flesh

1176
01:01:02.440 --> 01:01:04.440
<v Speaker 9>machine to it and they're flushing all the dirt back

1177
01:01:04.440 --> 01:01:08.000
<v Speaker 9>through the transmission. You know, it's just that filter needs

1178
01:01:08.039 --> 01:01:10.559
<v Speaker 9>to be changed, and then just drop the pan, clean

1179
01:01:10.599 --> 01:01:12.800
<v Speaker 9>it all out, and you're golden. You don't have to

1180
01:01:12.800 --> 01:01:13.800
<v Speaker 9>worry about flushing it.

1181
01:01:14.760 --> 01:01:16.079
<v Speaker 15>That's the way I wanted to go.

1182
01:01:16.480 --> 01:01:16.679
<v Speaker 9>Yep.

1183
01:01:16.960 --> 01:01:19.360
<v Speaker 15>Okay, So this because I'm asking because I.

1184
01:01:19.320 --> 01:01:21.400
<v Speaker 17>Have a tu Tom Mailibu.

1185
01:01:21.000 --> 01:01:23.519
<v Speaker 15>And I took her to the Chevy dealers and they said,

1186
01:01:23.559 --> 01:01:26.360
<v Speaker 15>you can we can only flush it. This is a transmission.

1187
01:01:26.360 --> 01:01:27.320
<v Speaker 15>You cannot drop the pan.

1188
01:01:27.360 --> 01:01:28.480
<v Speaker 11>Blah blah blahh.

1189
01:01:28.519 --> 01:01:31.320
<v Speaker 9>There's some summer sealed you can only drain and fill, yes,

1190
01:01:31.400 --> 01:01:33.840
<v Speaker 9>but the F one fifty is not. You can get

1191
01:01:33.840 --> 01:01:34.480
<v Speaker 9>a filter for it.

1192
01:01:34.559 --> 01:01:35.079
<v Speaker 7>Okay.

1193
01:01:35.239 --> 01:01:37.599
<v Speaker 15>So then the second question, you've got three places here

1194
01:01:37.639 --> 01:01:39.519
<v Speaker 15>on your referral list, Tom, Then for.

1195
01:01:40.039 --> 01:01:42.239
<v Speaker 2>What for the transmissions?

1196
01:01:42.639 --> 01:01:42.880
<v Speaker 7>Yeah?

1197
01:01:42.960 --> 01:01:47.000
<v Speaker 17>Budget budget A one national nationwide transmission repair, and then

1198
01:01:47.480 --> 01:01:50.039
<v Speaker 17>shared an auto check which one of those three?

1199
01:01:50.519 --> 01:01:54.440
<v Speaker 5>Yeah, Well we have jeffic Kimmer transmission, and then we

1200
01:01:54.519 --> 01:01:57.199
<v Speaker 5>have A one transmission and auto repair, and then we

1201
01:01:57.239 --> 01:02:01.559
<v Speaker 5>have Kevin. So Kevin is not specializing in transmission, but

1202
01:02:01.599 --> 01:02:03.719
<v Speaker 5>they can do transmission service all day long.

1203
01:02:04.280 --> 01:02:06.719
<v Speaker 2>Any one of those will do a great job. So

1204
01:02:06.840 --> 01:02:09.039
<v Speaker 2>where are you located? Where are you located?

1205
01:02:10.079 --> 01:02:13.320
<v Speaker 15>I'm Southwestvember. So is Kevin with shared In Auto Tech?

1206
01:02:13.599 --> 01:02:17.119
<v Speaker 5>Yep, that's me and he's in Uh he's on Colfax

1207
01:02:17.159 --> 01:02:21.559
<v Speaker 5>west of Wadsworth. And uh, then you have down on

1208
01:02:21.679 --> 01:02:26.280
<v Speaker 5>Santa Fe. You have a one transmission and audible pair.

1209
01:02:26.679 --> 01:02:28.800
<v Speaker 5>And then I think kimmers far away from you Jordan

1210
01:02:28.840 --> 01:02:29.480
<v Speaker 5>and or Appa home.

1211
01:02:30.800 --> 01:02:33.599
<v Speaker 15>Okay, well I'll zip up to shared In And now

1212
01:02:33.679 --> 01:02:34.320
<v Speaker 15>was there another one?

1213
01:02:34.360 --> 01:02:36.000
<v Speaker 2>He mentioned that I didn't want to slight anyone.

1214
01:02:37.239 --> 01:02:39.039
<v Speaker 9>Yeah, Mark and yeah, yeah.

1215
01:02:39.280 --> 01:02:41.840
<v Speaker 5>So anyway, just uh yeah, let me let me know

1216
01:02:41.880 --> 01:02:44.320
<v Speaker 5>what happens. But I think that that's what you want

1217
01:02:44.320 --> 01:02:47.920
<v Speaker 5>to do. Uh, you definitely want to drop the pan

1218
01:02:48.320 --> 01:02:49.719
<v Speaker 5>so you can look at everything.

1219
01:02:49.880 --> 01:02:53.239
<v Speaker 2>And and that flushes are overrated, right.

1220
01:02:53.440 --> 01:02:56.000
<v Speaker 9>It is, and it's it's not effective, like I said

1221
01:02:56.000 --> 01:02:57.760
<v Speaker 9>a lot, So you don't need change of filter if

1222
01:02:57.800 --> 01:02:58.320
<v Speaker 9>you're flushing.

1223
01:02:58.440 --> 01:02:59.760
<v Speaker 2>Yeah, it's that's ridiculous.

1224
01:03:00.079 --> 01:03:03.079
<v Speaker 5>Hey, ed you have a comment on body shops. I

1225
01:03:03.159 --> 01:03:04.960
<v Speaker 5>talked about body shops.

1226
01:03:04.559 --> 01:03:09.400
<v Speaker 2>Being in terrible delays. Go ahead day.

1227
01:03:10.039 --> 01:03:15.199
<v Speaker 8>I've been in this a long time. The most of

1228
01:03:15.199 --> 01:03:17.800
<v Speaker 8>the time the body shops all they see from an

1229
01:03:17.880 --> 01:03:21.679
<v Speaker 8>estimate is what Ajustice sees when he writes the estimate.

1230
01:03:22.280 --> 01:03:25.599
<v Speaker 8>Let's they most recordable shops will order parts and not

1231
01:03:25.719 --> 01:03:28.760
<v Speaker 8>bring the car until the orders. But once they tear

1232
01:03:28.800 --> 01:03:30.599
<v Speaker 8>it down and buying some hidden damage.

1233
01:03:30.920 --> 01:03:32.559
<v Speaker 2>You're right, those.

1234
01:03:32.400 --> 01:03:33.920
<v Speaker 8>Parts are the delay.

1235
01:03:34.639 --> 01:03:35.840
<v Speaker 2>Ah, the new stuff.

1236
01:03:36.119 --> 01:03:39.000
<v Speaker 17>A lot of there's a lot of shocks out there

1237
01:03:39.119 --> 01:03:39.960
<v Speaker 17>that did on it.

1238
01:03:40.079 --> 01:03:43.480
<v Speaker 8>But now most most of the time it's good shops

1239
01:03:44.599 --> 01:03:45.440
<v Speaker 8>is on the supplement.

1240
01:03:47.360 --> 01:03:47.760
<v Speaker 2>I see.

1241
01:03:47.840 --> 01:03:50.239
<v Speaker 5>But are you sure they will order parts with that

1242
01:03:50.840 --> 01:03:54.280
<v Speaker 5>just when you I don't get it, they'll order parts

1243
01:03:54.400 --> 01:03:58.159
<v Speaker 5>with you just simply uh making an appointment.

1244
01:03:59.760 --> 01:04:02.119
<v Speaker 8>Well, if you say you want them to fix it,

1245
01:04:02.280 --> 01:04:04.480
<v Speaker 8>they'll order the parts and they'll call you one to

1246
01:04:04.599 --> 01:04:07.440
<v Speaker 8>come in. Then when the shot starts tearing it down,

1247
01:04:07.519 --> 01:04:10.360
<v Speaker 8>they find hidden damn it in it and they write

1248
01:04:10.400 --> 01:04:10.920
<v Speaker 8>a supplement.

1249
01:04:12.559 --> 01:04:13.320
<v Speaker 9>Okay, But I.

1250
01:04:13.400 --> 01:04:17.320
<v Speaker 2>Don't know that that's true that most of them order

1251
01:04:17.480 --> 01:04:20.480
<v Speaker 2>parts up front. I don't know if that's true.

1252
01:04:21.320 --> 01:04:24.079
<v Speaker 5>I know, for example, that's why I paid that A

1253
01:04:24.159 --> 01:04:26.800
<v Speaker 5>lot of them require payment to do that. They won't

1254
01:04:26.960 --> 01:04:30.280
<v Speaker 5>order parts on spec if for you just making an appointment,

1255
01:04:30.320 --> 01:04:31.159
<v Speaker 5>They're not going to do that.

1256
01:04:32.239 --> 01:04:33.880
<v Speaker 8>I'm sure there's people work to saying.

1257
01:04:34.920 --> 01:04:38.360
<v Speaker 5>Well, okay, there might be, but I mean normally what

1258
01:04:38.599 --> 01:04:41.639
<v Speaker 5>happens is they look at it, or an adjuster looks

1259
01:04:41.679 --> 01:04:45.840
<v Speaker 5>at it, you make an appointment, and then I've never

1260
01:04:46.000 --> 01:04:51.079
<v Speaker 5>heard of him ever automatically ordering parts and even if

1261
01:04:51.119 --> 01:04:52.280
<v Speaker 5>you sign for an appointment.

1262
01:04:52.320 --> 01:04:52.679
<v Speaker 2>I don't know.

1263
01:04:52.840 --> 01:04:56.519
<v Speaker 5>I might be wrong, but I just anyway, three h

1264
01:04:56.599 --> 01:04:58.960
<v Speaker 5>three seven to one three talks. I mean, listen, I

1265
01:04:59.679 --> 01:05:02.719
<v Speaker 5>whatever it is when you say most legit shops will

1266
01:05:02.760 --> 01:05:05.159
<v Speaker 5>do that, I don't know that.

1267
01:05:05.400 --> 01:05:09.639
<v Speaker 2>I don't know that. It's never happened to me, Kevin,

1268
01:05:09.719 --> 01:05:10.880
<v Speaker 2>do you know that? Do you know me?

1269
01:05:11.119 --> 01:05:13.239
<v Speaker 9>I think it's tough because they get so backed up

1270
01:05:13.280 --> 01:05:15.119
<v Speaker 9>and it's hard to stack up all those times. No,

1271
01:05:15.199 --> 01:05:15.400
<v Speaker 9>I know.

1272
01:05:15.559 --> 01:05:19.119
<v Speaker 5>In fact, one has told me the reason they don't

1273
01:05:19.280 --> 01:05:21.920
<v Speaker 5>order parts is because then if the people don't come

1274
01:05:22.000 --> 01:05:24.840
<v Speaker 5>through with appointments, just storing the parts, as you said,

1275
01:05:24.880 --> 01:05:26.920
<v Speaker 5>but the other one is being stuck with the parts.

1276
01:05:27.000 --> 01:05:30.199
<v Speaker 5>Sometimes I just don't agree with that, but I listen,

1277
01:05:30.239 --> 01:05:33.159
<v Speaker 5>I'll stand corrected. If a body shop, if you're in

1278
01:05:33.199 --> 01:05:36.440
<v Speaker 5>the body business, when someone makes an appointment after you've

1279
01:05:36.440 --> 01:05:37.360
<v Speaker 5>looked at the car and.

1280
01:05:37.400 --> 01:05:40.119
<v Speaker 2>The insurance approves it and all that. Do you order

1281
01:05:40.199 --> 01:05:41.079
<v Speaker 2>parts ahead of time?

1282
01:05:41.159 --> 01:05:43.800
<v Speaker 5>Let me know for sure, let me know three all

1283
01:05:43.840 --> 01:05:51.920
<v Speaker 5>three seven one three eight two five five Go with

1284
01:05:52.039 --> 01:05:55.480
<v Speaker 5>a sure thing Denver's best roofer Excel Roofing dot com.

1285
01:05:55.639 --> 01:05:57.639
<v Speaker 2>You don't pay a cent until you're content.

1286
01:06:01.039 --> 01:06:04.199
<v Speaker 5>Time for an insurance check up free, no obligation comparison

1287
01:06:04.360 --> 01:06:07.920
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

1288
01:06:07.960 --> 01:06:10.679
<v Speaker 5>of insurance companies find out now three oh three seven

1289
01:06:10.760 --> 01:06:13.559
<v Speaker 5>seven to one help. You'll think you're his only customer

1290
01:06:13.599 --> 01:06:15.800
<v Speaker 5>when you choose Frank durand the real estate Man dot

1291
01:06:15.920 --> 01:06:19.199
<v Speaker 5>com to list your home with Remax Alliance three oh

1292
01:06:19.280 --> 01:06:26.440
<v Speaker 5>three nine two zero sixteen twenty two. Hi Tom Martino,

1293
01:06:26.599 --> 01:06:30.880
<v Speaker 5>your troubleshooter three O three seven one three talks seven

1294
01:06:30.960 --> 01:06:32.000
<v Speaker 5>one three eight two.

1295
01:06:32.000 --> 01:06:36.599
<v Speaker 2>Five five Paul, what is your issue with US Bank?

1296
01:06:36.719 --> 01:06:36.920
<v Speaker 14>Paul?

1297
01:06:37.000 --> 01:06:37.639
<v Speaker 2>What's happening?

1298
01:06:38.199 --> 01:06:38.400
<v Speaker 7>Yeah?

1299
01:06:38.760 --> 01:06:40.840
<v Speaker 13>Yeah, Well for the first place, you know, I really

1300
01:06:40.880 --> 01:06:43.119
<v Speaker 13>appreciate you taking your time to take it.

1301
01:06:43.199 --> 01:06:43.639
<v Speaker 2>Thank you man.

1302
01:06:43.920 --> 01:06:48.400
<v Speaker 19>Yeah, thinks Tom, this is the issue here. I opened

1303
01:06:48.400 --> 01:06:54.039
<v Speaker 19>an account with Uish Frank and Jan twenty four, and

1304
01:06:54.159 --> 01:06:58.840
<v Speaker 19>then a few days later I find out that they

1305
01:06:58.960 --> 01:06:59.920
<v Speaker 19>have closed my account.

1306
01:07:00.559 --> 01:07:00.760
<v Speaker 8>You know.

1307
01:07:02.559 --> 01:07:02.800
<v Speaker 9>Why?

1308
01:07:03.480 --> 01:07:06.079
<v Speaker 7>Oh yeah, can you hear me?

1309
01:07:06.559 --> 01:07:07.880
<v Speaker 2>Yes, why did they close it?

1310
01:07:09.480 --> 01:07:09.760
<v Speaker 3>Okay?

1311
01:07:10.000 --> 01:07:10.079
<v Speaker 4>Uh?

1312
01:07:11.280 --> 01:07:15.079
<v Speaker 13>Uh A little later, you know later uh a few

1313
01:07:15.159 --> 01:07:15.840
<v Speaker 13>days later.

1314
01:07:15.679 --> 01:07:18.239
<v Speaker 19>After they closed the account, I went to the to

1315
01:07:18.360 --> 01:07:21.400
<v Speaker 19>the branch where I opened the account. Uh the guy

1316
01:07:21.800 --> 01:07:29.880
<v Speaker 19>and the branch told me, uh uh I can say, uh, well, no,

1317
01:07:30.159 --> 01:07:34.360
<v Speaker 19>I need to go back. I went to the bank

1318
01:07:34.440 --> 01:07:36.239
<v Speaker 19>and I asked why they closed my bank.

1319
01:07:36.639 --> 01:07:39.119
<v Speaker 13>They they told me that they don't know why they

1320
01:07:39.199 --> 01:07:40.199
<v Speaker 13>closed my account, and.

1321
01:07:40.679 --> 01:07:43.360
<v Speaker 19>That I was under investigation you know, sun start the

1322
01:07:43.880 --> 01:07:44.679
<v Speaker 19>sun sort that.

1323
01:07:45.159 --> 01:07:48.840
<v Speaker 13>Stuff like that, you know, And anyway.

1324
01:07:50.400 --> 01:07:51.519
<v Speaker 19>The story goes. Uh.

1325
01:07:52.840 --> 01:07:55.719
<v Speaker 13>I find out later that they closed.

1326
01:07:55.440 --> 01:07:57.039
<v Speaker 19>My account because.

1327
01:07:58.559 --> 01:08:01.280
<v Speaker 21>When I opened when I opened it, all uh, they

1328
01:08:01.440 --> 01:08:04.840
<v Speaker 21>take a coffee, you know, the drive license. So I

1329
01:08:05.039 --> 01:08:07.920
<v Speaker 21>was told that the guy they opened my account, he

1330
01:08:08.039 --> 01:08:10.320
<v Speaker 21>never sann the copy of the drive license.

1331
01:08:10.599 --> 01:08:12.760
<v Speaker 19>Okay yeah uh.

1332
01:08:13.679 --> 01:08:17.119
<v Speaker 2>And then and then you know this guy, how'd you

1333
01:08:17.800 --> 01:08:19.039
<v Speaker 2>I'm interested in hearing?

1334
01:08:19.239 --> 01:08:22.479
<v Speaker 5>Go with a sure thing Denver's Best roofer Excel roofing

1335
01:08:22.560 --> 01:08:23.000
<v Speaker 5>dot com.

1336
01:08:23.199 --> 01:08:25.199
<v Speaker 2>You don't pay a cent until you're content.

1337
01:08:28.600 --> 01:08:31.720
<v Speaker 5>Time for an insurance check up free no obligation comparison

1338
01:08:31.920 --> 01:08:35.439
<v Speaker 5>call Compass insurance paying too much your coverage at dozens

1339
01:08:35.479 --> 01:08:36.439
<v Speaker 5>of insurance companies.

1340
01:08:36.560 --> 01:08:38.600
<v Speaker 2>Find out now three o three seven to seven to

1341
01:08:38.640 --> 01:08:39.119
<v Speaker 2>one help.

1342
01:08:39.319 --> 01:08:41.960
<v Speaker 5>You'll think you're his only customer when you choose Frank

1343
01:08:42.039 --> 01:08:44.439
<v Speaker 5>durand the real estate man dot com to list your

1344
01:08:44.520 --> 01:08:47.640
<v Speaker 5>home with Remax Alliance three oh three nine two zero

1345
01:08:47.760 --> 01:08:48.880
<v Speaker 5>sixteen twenty two.

1346
01:08:54.279 --> 01:08:57.199
<v Speaker 13>With news.

1347
01:08:58.840 --> 01:08:59.800
<v Speaker 2>So you don't have to.

1348
01:09:01.880 --> 01:09:04.279
<v Speaker 22>Come run in just as as we can.

1349
01:09:05.600 --> 01:09:07.479
<v Speaker 1>Shoot's gonna help come.

1350
01:09:09.039 --> 01:09:11.199
<v Speaker 3>This is the Troubleshooter Show.

1351
01:09:11.840 --> 01:09:16.800
<v Speaker 5>No Tom Martino, Hi, Tom Martino here, welcome. We are

1352
01:09:16.920 --> 01:09:20.960
<v Speaker 5>here on Car Friday and solving problems, not just with cars.

1353
01:09:21.000 --> 01:09:23.319
<v Speaker 5>But we'll talk cars if you need to three oh

1354
01:09:23.359 --> 01:09:25.119
<v Speaker 5>three seven to one three talk First. I want to

1355
01:09:25.159 --> 01:09:27.920
<v Speaker 5>go back to this US Bank problem and you can

1356
01:09:27.960 --> 01:09:30.760
<v Speaker 5>call three oh three Martino three oh three six two

1357
01:09:30.840 --> 01:09:33.880
<v Speaker 5>seven eight four six six twenty four seven and we'll

1358
01:09:33.960 --> 01:09:36.359
<v Speaker 5>be happy to help you. Get you on the next call.

1359
01:09:37.479 --> 01:09:40.039
<v Speaker 5>So even if you leave a message, we will call

1360
01:09:40.199 --> 01:09:42.600
<v Speaker 5>you back. You don't fare to worry about it, just

1361
01:09:42.680 --> 01:09:46.239
<v Speaker 5>leave your number. Hey, paul Us Bank Now, so you

1362
01:09:46.479 --> 01:09:48.760
<v Speaker 5>open an account in June.

1363
01:09:49.079 --> 01:09:50.800
<v Speaker 2>A few days later they closed it.

1364
01:09:51.279 --> 01:09:53.840
<v Speaker 5>Somebody at the branch office said you were under investigation.

1365
01:09:54.319 --> 01:09:59.039
<v Speaker 5>You later found out you later found out that your

1366
01:09:59.319 --> 01:10:03.479
<v Speaker 5>license had not been submitted.

1367
01:10:04.760 --> 01:10:07.479
<v Speaker 19>A copy, you know, a copy of my driving medicine.

1368
01:10:07.479 --> 01:10:09.840
<v Speaker 19>You know, when you when you open your account, they

1369
01:10:10.039 --> 01:10:12.720
<v Speaker 19>require you IDs, right, So I gave, I.

1370
01:10:12.840 --> 01:10:15.560
<v Speaker 2>Gave my uh it was not on file. Let's just

1371
01:10:15.640 --> 01:10:17.640
<v Speaker 2>put it that way, go ahead, So and I know

1372
01:10:17.760 --> 01:10:18.119
<v Speaker 2>you get so.

1373
01:10:18.399 --> 01:10:21.640
<v Speaker 5>So then it's a simple matter of bringing your license

1374
01:10:21.720 --> 01:10:22.840
<v Speaker 5>in and letting them see it.

1375
01:10:24.479 --> 01:10:25.039
<v Speaker 7>Yeah, okay.

1376
01:10:25.439 --> 01:10:27.800
<v Speaker 13>The thing is, they gave me a temporary car.

1377
01:10:28.199 --> 01:10:28.359
<v Speaker 2>You know.

1378
01:10:28.600 --> 01:10:29.600
<v Speaker 19>The temporary car.

1379
01:10:29.680 --> 01:10:30.960
<v Speaker 15>Worked for a few days.

1380
01:10:31.159 --> 01:10:33.560
<v Speaker 7>Okay, a temporary card.

1381
01:10:34.560 --> 01:10:37.319
<v Speaker 2>Yeah, debbie, you know, okay, got it, got it, got it?

1382
01:10:38.399 --> 01:10:42.680
<v Speaker 19>Yeah, And the temporary card were only for a few days.

1383
01:10:42.760 --> 01:10:44.760
<v Speaker 19>So I went to another branch, you know.

1384
01:10:45.399 --> 01:10:48.680
<v Speaker 13>And I asked them for you know, I told them,

1385
01:10:48.760 --> 01:10:50.239
<v Speaker 13>you know that I need another car.

1386
01:10:50.800 --> 01:10:53.039
<v Speaker 2>And I went to these now, hold on, hold on,

1387
01:10:53.119 --> 01:10:56.600
<v Speaker 2>hold on, hold on, wait a minute. Your temporary debit

1388
01:10:56.760 --> 01:11:01.960
<v Speaker 2>card was not working. Is that cause they closed your account?

1389
01:11:04.039 --> 01:11:04.159
<v Speaker 13>Uh?

1390
01:11:04.439 --> 01:11:08.039
<v Speaker 19>And that point they told me that they they were

1391
01:11:08.199 --> 01:11:10.359
<v Speaker 19>investigating something.

1392
01:11:10.279 --> 01:11:12.199
<v Speaker 2>You know, yeah, yeah, yeah, but you're but you're but

1393
01:11:12.319 --> 01:11:17.119
<v Speaker 2>you still had money in the bank, right, that's correct, exactly, yes,

1394
01:11:17.680 --> 01:11:20.920
<v Speaker 2>but the debit card, but you could not use the

1395
01:11:21.039 --> 01:11:24.880
<v Speaker 2>debit card to get your money exactly exactly.

1396
01:11:25.039 --> 01:11:27.479
<v Speaker 19>So I went to another I went to another branch.

1397
01:11:27.680 --> 01:11:29.720
<v Speaker 2>How much money did you have in the account?

1398
01:11:31.199 --> 01:11:32.880
<v Speaker 19>About a thousand dollars?

1399
01:11:33.479 --> 01:11:35.840
<v Speaker 2>Okay, go ahead.

1400
01:11:36.079 --> 01:11:38.920
<v Speaker 19>And then and then I went to another branch, you know,

1401
01:11:39.119 --> 01:11:43.159
<v Speaker 19>to make the postage, you see, and I wasn't the

1402
01:11:43.239 --> 01:11:46.399
<v Speaker 19>process to make depossage. You know that this is a

1403
01:11:46.479 --> 01:11:48.279
<v Speaker 19>woman was working in the process.

1404
01:11:48.560 --> 01:11:50.439
<v Speaker 13>I explained her, you know that I went to the

1405
01:11:50.520 --> 01:11:51.760
<v Speaker 13>postage something.

1406
01:11:51.720 --> 01:11:55.000
<v Speaker 19>But I want some money back, you know, so, uh,

1407
01:11:56.560 --> 01:11:59.279
<v Speaker 19>she gave me some other money that I told her,

1408
01:11:59.399 --> 01:12:01.399
<v Speaker 19>you know that I will to have and cash.

1409
01:12:01.479 --> 01:12:01.600
<v Speaker 20>You know.

1410
01:12:01.720 --> 01:12:04.279
<v Speaker 19>She gave me the money and she is still working,

1411
01:12:04.439 --> 01:12:06.479
<v Speaker 19>you know, and and the rest and the rest of

1412
01:12:06.560 --> 01:12:09.640
<v Speaker 19>the money for the posts. You know, at some point

1413
01:12:09.800 --> 01:12:12.399
<v Speaker 19>she just stopped the process. And she told me that

1414
01:12:12.520 --> 01:12:15.319
<v Speaker 19>they that she can't continue in with the deposits.

1415
01:12:15.600 --> 01:12:16.359
<v Speaker 13>And I asked why.

1416
01:12:16.600 --> 01:12:19.039
<v Speaker 19>She said that she dono knew why, but it was

1417
01:12:19.159 --> 01:12:20.000
<v Speaker 19>something in the city.

1418
01:12:20.039 --> 01:12:23.680
<v Speaker 5>It's because your account was was being investigated.

1419
01:12:23.880 --> 01:12:27.800
<v Speaker 19>That's why, exactly exactly, that's because exactly.

1420
01:12:27.760 --> 01:12:30.199
<v Speaker 5>Okay, but but keep going then, I mean, you told

1421
01:12:30.279 --> 01:12:33.560
<v Speaker 5>me already your account was being investigated, so I can

1422
01:12:33.640 --> 01:12:36.640
<v Speaker 5>see why they wouldn't they wouldn't allow any activity.

1423
01:12:36.720 --> 01:12:38.600
<v Speaker 2>I could see that. But I want to know.

1424
01:12:38.680 --> 01:12:42.119
<v Speaker 5>Why you simply did not go back and give them

1425
01:12:42.239 --> 01:12:44.279
<v Speaker 5>a copy of your license.

1426
01:12:45.359 --> 01:12:48.039
<v Speaker 19>Wait, wait to Tom, Wait, I'm going over there.

1427
01:12:48.239 --> 01:12:48.800
<v Speaker 12>Just wait for me.

1428
01:12:49.199 --> 01:12:54.159
<v Speaker 19>Yeah, better with me, I mean. Yeah. And when this

1429
01:12:54.319 --> 01:12:55.159
<v Speaker 19>woman I stopt the.

1430
01:12:55.159 --> 01:12:58.039
<v Speaker 13>Process on my deposits, she was asking me for.

1431
01:12:58.520 --> 01:12:59.840
<v Speaker 7>The money that she gave me back.

1432
01:13:00.119 --> 01:13:03.600
<v Speaker 19>She was two hundred dollars, you know. I told her

1433
01:13:03.840 --> 01:13:06.439
<v Speaker 19>that I want to cancel the whole process, that I

1434
01:13:06.479 --> 01:13:09.359
<v Speaker 19>don't want to deposit my check and you know, I

1435
01:13:09.479 --> 01:13:11.640
<v Speaker 19>need my check back and my driver.

1436
01:13:11.600 --> 01:13:12.680
<v Speaker 7>License, you know.

1437
01:13:12.920 --> 01:13:16.760
<v Speaker 19>And she refused. She refused to stop the process. She

1438
01:13:16.880 --> 01:13:20.279
<v Speaker 19>refused to get me back my driver license, you know.

1439
01:13:21.159 --> 01:13:23.199
<v Speaker 19>And I told her, you know, you know, have the

1440
01:13:23.319 --> 01:13:26.600
<v Speaker 19>power of authority to retain my driver license, you know,

1441
01:13:26.840 --> 01:13:29.880
<v Speaker 19>just asking you to return the check and stop everything,

1442
01:13:30.439 --> 01:13:32.199
<v Speaker 19>you know, and get my driver license.

1443
01:13:32.880 --> 01:13:33.760
<v Speaker 10>And she refused.

1444
01:13:34.359 --> 01:13:35.039
<v Speaker 19>She said that she.

1445
01:13:35.039 --> 01:13:36.640
<v Speaker 13>Will not return my drive license.

1446
01:13:37.079 --> 01:13:39.119
<v Speaker 19>So I told her, you know, I would call the police.

1447
01:13:39.279 --> 01:13:42.720
<v Speaker 19>And indeed I called the police, you know, when I

1448
01:13:42.840 --> 01:13:45.199
<v Speaker 19>was waiting for the police. Obviously the police never show

1449
01:13:45.279 --> 01:13:47.800
<v Speaker 19>up anyway, But when I was waiting for the police,

1450
01:13:48.000 --> 01:13:50.119
<v Speaker 19>she came to me because I was but the main

1451
01:13:50.239 --> 01:13:53.399
<v Speaker 19>door on the phone and she say.

1452
01:13:53.439 --> 01:13:56.800
<v Speaker 13>Here, mister, you know, mister Paul heard your check.

1453
01:13:57.000 --> 01:14:01.600
<v Speaker 23>I mean, here's you here the sleep from you and

1454
01:14:01.720 --> 01:14:06.479
<v Speaker 23>your divelass. So she uh was able to make to

1455
01:14:06.560 --> 01:14:07.000
<v Speaker 23>the pashi.

1456
01:14:07.119 --> 01:14:09.800
<v Speaker 19>I don't know how, and she returned my dive licens.

1457
01:14:10.079 --> 01:14:12.720
<v Speaker 19>So I left the place, okay, and they gave me

1458
01:14:12.920 --> 01:14:15.760
<v Speaker 19>another temporary car in the place.

1459
01:14:16.000 --> 01:14:16.319
<v Speaker 7>You see.

1460
01:14:16.560 --> 01:14:19.359
<v Speaker 13>The temporary car worked only for about one.

1461
01:14:19.359 --> 01:14:20.560
<v Speaker 11>Day, you see.

1462
01:14:21.279 --> 01:14:24.680
<v Speaker 2>And then and then where are we going with the story?

1463
01:14:24.840 --> 01:14:25.039
<v Speaker 9>Sir?

1464
01:14:25.199 --> 01:14:28.479
<v Speaker 2>You said to bear with you, but you're not getting anywhere. Okay.

1465
01:14:28.880 --> 01:14:34.000
<v Speaker 5>I understand that your account was suspended. You're under investigation,

1466
01:14:34.479 --> 01:14:36.760
<v Speaker 5>and your temporary car does not work.

1467
01:14:37.199 --> 01:14:40.239
<v Speaker 2>What do you need? Where is it in the investigation?

1468
01:14:40.520 --> 01:14:40.920
<v Speaker 2>Right now?

1469
01:14:42.239 --> 01:14:42.760
<v Speaker 7>Okay?

1470
01:14:43.199 --> 01:14:45.720
<v Speaker 19>This is this is what happened. I went back to

1471
01:14:45.840 --> 01:14:46.399
<v Speaker 19>the to the.

1472
01:14:47.079 --> 01:14:49.279
<v Speaker 2>Just tell me what happened. You don't have to tell

1473
01:14:49.359 --> 01:14:51.239
<v Speaker 2>me the steps you took. You went back.

1474
01:14:51.680 --> 01:14:57.399
<v Speaker 5>What is happening right now? Is your account still closed?

1475
01:14:59.039 --> 01:14:59.720
<v Speaker 7>They canceled.

1476
01:14:59.840 --> 01:15:00.880
<v Speaker 13>They close my account.

1477
01:15:01.439 --> 01:15:04.359
<v Speaker 19>And I've been asking for then for the last three months,

1478
01:15:04.439 --> 01:15:07.720
<v Speaker 19>for my money. I have spoke three times to the bank.

1479
01:15:08.239 --> 01:15:09.560
<v Speaker 19>Three times they all count.

1480
01:15:09.600 --> 01:15:14.760
<v Speaker 2>Okay, how much money do you have in there now, I.

1481
01:15:14.880 --> 01:15:18.680
<v Speaker 19>Got over over one thousand dollars, like a twelve hundred

1482
01:15:18.800 --> 01:15:19.319
<v Speaker 19>or something like that.

1483
01:15:20.199 --> 01:15:22.880
<v Speaker 5>Wait, because you made that second deposit.

1484
01:15:22.600 --> 01:15:26.239
<v Speaker 19>Right exactly exactly, Yes, yeah, exactly.

1485
01:15:26.399 --> 01:15:29.399
<v Speaker 5>So wait a minute, you're telling me that this bank

1486
01:15:29.520 --> 01:15:33.279
<v Speaker 5>closed your account and will not give you your money back.

1487
01:15:34.119 --> 01:15:36.479
<v Speaker 19>Exactly and I'll be waiting for the last three months

1488
01:15:36.520 --> 01:15:37.000
<v Speaker 19>for my money.

1489
01:15:37.039 --> 01:15:40.399
<v Speaker 5>Okay, you know what this is bullcrap. This is absolute

1490
01:15:40.520 --> 01:15:43.720
<v Speaker 5>bull trap. This is happening too much to people. You

1491
01:15:43.880 --> 01:15:46.079
<v Speaker 5>know how many times I've gotten at.

1492
01:15:46.039 --> 01:15:48.199
<v Speaker 2>Least six calls about people.

1493
01:15:48.079 --> 01:15:53.680
<v Speaker 5>Being under investigation and having their money frozen and they

1494
01:15:53.800 --> 01:15:55.960
<v Speaker 5>can't get it back. And I'm going to tell you,

1495
01:15:56.399 --> 01:15:58.760
<v Speaker 5>we're going to call over there and find out why

1496
01:15:59.079 --> 01:16:03.279
<v Speaker 5>the hell they're doing this. This is US bank is

1497
01:16:03.359 --> 01:16:05.279
<v Speaker 5>doing this all over the country.

1498
01:16:05.800 --> 01:16:10.439
<v Speaker 2>They're freezing people's bank accounts and then refusing to give

1499
01:16:10.479 --> 01:16:13.560
<v Speaker 2>them their money. Did they do they think somehow they

1500
01:16:13.640 --> 01:16:14.600
<v Speaker 2>can keep your money?

1501
01:16:16.119 --> 01:16:16.319
<v Speaker 7>Yeah?

1502
01:16:16.479 --> 01:16:18.479
<v Speaker 13>I sense to be that that's what they want.

1503
01:16:18.560 --> 01:16:22.680
<v Speaker 2>Tom come on all you want and and first of all,

1504
01:16:23.479 --> 01:16:26.439
<v Speaker 2>I don't understand this, I swear to God.

1505
01:16:26.720 --> 01:16:30.640
<v Speaker 5>Now now they've been closing people's account all over the

1506
01:16:30.800 --> 01:16:32.840
<v Speaker 5>country and keeping money.

1507
01:16:33.800 --> 01:16:35.000
<v Speaker 7>Look exactly.

1508
01:16:36.439 --> 01:16:36.840
<v Speaker 10>Calling.

1509
01:16:37.520 --> 01:16:40.359
<v Speaker 5>I want to give Okay, listen, I want to give

1510
01:16:40.399 --> 01:16:42.039
<v Speaker 5>this ad. There's a reason I want to give it

1511
01:16:42.079 --> 01:16:43.560
<v Speaker 5>to him, because he's right here. I wanted to call

1512
01:16:43.640 --> 01:16:46.000
<v Speaker 5>right this minute. I'm going to text him this because

1513
01:16:46.039 --> 01:16:49.000
<v Speaker 5>I want to call right this minute, and and we

1514
01:16:49.319 --> 01:16:52.000
<v Speaker 5>just got to take care of this thing. Hold on,

1515
01:16:52.640 --> 01:16:54.000
<v Speaker 5>this is so wrong.

1516
01:16:54.720 --> 01:16:57.119
<v Speaker 2>I appreciate it, Doc, I really do. I I just

1517
01:16:57.439 --> 01:16:59.840
<v Speaker 2>I want him to call right this minute. Over to

1518
01:17:00.079 --> 01:17:00.359
<v Speaker 2>the bank.

1519
01:17:00.560 --> 01:17:03.720
<v Speaker 16>Just one one question, Paul, did you open account in

1520
01:17:03.840 --> 01:17:05.239
<v Speaker 16>another bank in the meantime?

1521
01:17:07.520 --> 01:17:08.680
<v Speaker 3>Kelly's working with them right now.

1522
01:17:08.960 --> 01:17:13.560
<v Speaker 5>Okay, you know, ask why is US Bank? Why is

1523
01:17:13.680 --> 01:17:18.159
<v Speaker 5>US Bank doing this? Why are they doing this? I

1524
01:17:18.520 --> 01:17:23.039
<v Speaker 5>don't understand this d banking thing. I don't understand it. Kelly,

1525
01:17:23.119 --> 01:17:25.880
<v Speaker 5>give this over to Deputy d Man.

1526
01:17:25.960 --> 01:17:27.880
<v Speaker 2>This I don't people.

1527
01:17:28.199 --> 01:17:31.520
<v Speaker 5>Have you heard about this, because it's happening all over

1528
01:17:31.640 --> 01:17:36.359
<v Speaker 5>the place. They're de banking people, They're closing accounts and

1529
01:17:36.439 --> 01:17:38.239
<v Speaker 5>they're keeping money.

1530
01:17:38.920 --> 01:17:43.199
<v Speaker 2>They're keeping money. Why is this happening? Does anyone even know?

1531
01:17:46.000 --> 01:17:51.560
<v Speaker 2>I just don't know. So I'm holding I'm making a

1532
01:17:51.680 --> 01:17:54.800
<v Speaker 2>note of this. This has to stop. This crap has

1533
01:17:54.920 --> 01:18:00.479
<v Speaker 2>to stop. Okay, let me just make it note of this.

1534
01:18:01.359 --> 01:18:05.399
<v Speaker 5>All right, people, I'm telling you, if this happened to you,

1535
01:18:05.560 --> 01:18:08.680
<v Speaker 5>you're not alone. I've heard this from several people. They're

1536
01:18:08.800 --> 01:18:12.600
<v Speaker 5>stealing money at US Bank and keeping it for every

1537
01:18:12.720 --> 01:18:13.720
<v Speaker 5>day they keep money.

1538
01:18:13.760 --> 01:18:16.039
<v Speaker 2>Do you know how much they're making? This is ridiculous.

1539
01:18:16.119 --> 01:18:17.239
<v Speaker 2>Why are they doing this?

1540
01:18:17.760 --> 01:18:23.680
<v Speaker 5>You can't just keep something under investigation indefinitely, you idiots?

1541
01:18:26.199 --> 01:18:28.159
<v Speaker 2>Really has anyone else heard about this?

1542
01:18:28.399 --> 01:18:29.199
<v Speaker 15>This is going on?

1543
01:18:29.399 --> 01:18:36.039
<v Speaker 2>This is crazy? Okay three three seven one three eight

1544
01:18:36.119 --> 01:18:39.720
<v Speaker 2>two five five. If we have to Deputy D make

1545
01:18:39.800 --> 01:18:42.439
<v Speaker 2>a three way call with him on the line since

1546
01:18:42.479 --> 01:18:48.600
<v Speaker 2>it's his money. This is ridiculous. Okay, prop it and

1547
01:18:49.239 --> 01:18:49.720
<v Speaker 2>excuse me.

1548
01:18:50.760 --> 01:18:57.399
<v Speaker 5>Denverregen dot com for stem cell therapy, hair regeneration PRP.

1549
01:18:58.520 --> 01:19:02.600
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1550
01:19:02.680 --> 01:19:07.479
<v Speaker 5>have weight loss supplements at the semiglutide and her zeppetide

1551
01:19:07.520 --> 01:19:10.800
<v Speaker 5>at pennies on the dollar. But if you're looking to

1552
01:19:10.880 --> 01:19:13.840
<v Speaker 5>get out of pain stem cell therapy they do so much.

1553
01:19:14.520 --> 01:19:26.399
<v Speaker 5>Denverregen dot com. Go with a sure thing Denver's best

1554
01:19:26.520 --> 01:19:29.359
<v Speaker 5>roofer Excel roofing dot com. You don't pay a cent

1555
01:19:29.600 --> 01:19:35.760
<v Speaker 5>until you're content. Time for an insurance checkup free no

1556
01:19:35.880 --> 01:19:40.239
<v Speaker 5>obligation comparison call Compass Insurance paying too much your coverage

1557
01:19:40.279 --> 01:19:42.920
<v Speaker 5>at dozens of insurance companies find out now three all

1558
01:19:42.960 --> 01:19:44.079
<v Speaker 5>three seven to seven to one.

1559
01:19:44.239 --> 01:19:44.439
<v Speaker 2>Help.

1560
01:19:44.640 --> 01:19:47.279
<v Speaker 5>You'll think you're his only customer when you choose Frank

1561
01:19:47.359 --> 01:19:49.760
<v Speaker 5>durand the real estate man dot com to list your

1562
01:19:49.840 --> 01:19:52.960
<v Speaker 5>home with Remax Alliance three all three nine two zero

1563
01:19:53.079 --> 01:20:01.680
<v Speaker 5>sixteen twenty two. Hey Tom Martino here at three ZHO

1564
01:20:01.680 --> 01:20:05.640
<v Speaker 5>three seven one three talk seven one three eight two

1565
01:20:05.840 --> 01:20:06.399
<v Speaker 5>five five.

1566
01:20:07.000 --> 01:20:09.720
<v Speaker 2>We're on with the US Bank right now. But here's

1567
01:20:09.760 --> 01:20:16.560
<v Speaker 2>the thing. It's happening all over They're keeping money. I

1568
01:20:16.680 --> 01:20:19.039
<v Speaker 2>don't get it. This is wrong.

1569
01:20:19.079 --> 01:20:21.960
<v Speaker 5>I mean close my account of I'm under investigation. By

1570
01:20:22.039 --> 01:20:26.760
<v Speaker 5>the way, did you know the vast majority of people

1571
01:20:26.880 --> 01:20:34.520
<v Speaker 5>having their accounts closed are conservative people? Just want to

1572
01:20:34.520 --> 01:20:37.680
<v Speaker 5>put that out there. I'm not kidding you. By the way,

1573
01:20:40.119 --> 01:20:42.800
<v Speaker 5>I'm gonna uh. Kevin will be back in a second

1574
01:20:42.840 --> 01:20:46.520
<v Speaker 5>here he's uh, and we will take his call. But

1575
01:20:46.640 --> 01:20:50.439
<v Speaker 5>right now, Mike, he has a question on reverse loans.

1576
01:20:50.520 --> 01:20:51.359
<v Speaker 2>Go ahead, Mike.

1577
01:20:53.039 --> 01:20:55.560
<v Speaker 7>Or right Tom, Yes, sir, I can argue.

1578
01:20:55.600 --> 01:20:56.359
<v Speaker 2>What's going on? Mike?

1579
01:20:57.399 --> 01:20:58.680
<v Speaker 7>Thanks? Oh not a lot.

1580
01:21:00.319 --> 01:21:00.359
<v Speaker 2>So.

1581
01:21:00.920 --> 01:21:03.720
<v Speaker 7>I'm sixty nine years old, my wife is a few

1582
01:21:03.840 --> 01:21:07.520
<v Speaker 7>years younger. We moved into a house and Firestone a

1583
01:21:07.600 --> 01:21:12.399
<v Speaker 7>new house three and a half years ago. We pretty

1584
01:21:12.479 --> 01:21:17.439
<v Speaker 7>much live on our Social Security income and it's a

1585
01:21:17.520 --> 01:21:22.119
<v Speaker 7>struggle to you know, pay bills, as you would well know.

1586
01:21:23.359 --> 01:21:28.800
<v Speaker 7>And I thought about reverse mortgages recently, and I just

1587
01:21:28.920 --> 01:21:32.880
<v Speaker 7>wondered what your take on them was, and also if

1588
01:21:33.079 --> 01:21:35.960
<v Speaker 7>I do decide to go forward with doing that, some

1589
01:21:36.399 --> 01:21:39.640
<v Speaker 7>pos possible recommendations.

1590
01:21:38.880 --> 01:21:40.239
<v Speaker 2>On Come, how old is your wife?

1591
01:21:41.600 --> 01:21:42.520
<v Speaker 7>She's sixty five?

1592
01:21:44.039 --> 01:21:47.000
<v Speaker 5>Okay, because you both have to be you both have

1593
01:21:47.119 --> 01:21:48.359
<v Speaker 5>to be sixty two or older.

1594
01:21:48.840 --> 01:21:52.640
<v Speaker 2>So I want to ask another question, how much equity

1595
01:21:52.720 --> 01:21:53.039
<v Speaker 2>do you have?

1596
01:21:54.800 --> 01:22:01.840
<v Speaker 7>Okay, So the house as it stands now, I believe

1597
01:22:01.880 --> 01:22:05.319
<v Speaker 7>it is worth about six twenty five six thirty and

1598
01:22:05.640 --> 01:22:08.319
<v Speaker 7>I owe to seventy five.

1599
01:22:10.239 --> 01:22:15.079
<v Speaker 5>So house is worth Give me a real realistic like

1600
01:22:15.520 --> 01:22:17.680
<v Speaker 5>like things that have actually sold like that.

1601
01:22:20.880 --> 01:22:25.439
<v Speaker 7>Yeah, it's it's it is right around six and a quarter. Okay,

1602
01:22:25.520 --> 01:22:27.039
<v Speaker 7>let's say six pretty confident?

1603
01:22:27.119 --> 01:22:30.439
<v Speaker 2>Okay, No, got it all right now? And you owe

1604
01:22:30.479 --> 01:22:31.399
<v Speaker 2>two seventy five.

1605
01:22:32.640 --> 01:22:35.800
<v Speaker 5>Correct, you'll have to pay off the two seventy five

1606
01:22:35.960 --> 01:22:38.960
<v Speaker 5>with the reverse because you're not allowed to have a

1607
01:22:39.079 --> 01:22:41.079
<v Speaker 5>second for a reverse, right.

1608
01:22:42.600 --> 01:22:45.319
<v Speaker 7>Well, I also have a home equity loan, and I

1609
01:22:45.479 --> 01:22:48.800
<v Speaker 7>have a forty thousand dollars ballons on that too.

1610
01:22:49.880 --> 01:22:52.680
<v Speaker 2>So you owe a total of give me your total

1611
01:22:52.760 --> 01:22:54.079
<v Speaker 2>that you owe. I can't do math.

1612
01:22:54.199 --> 01:22:59.800
<v Speaker 7>Low total I owe against the home would be would

1613
01:22:59.840 --> 01:23:01.159
<v Speaker 7>be three fifteen.

1614
01:23:02.479 --> 01:23:08.319
<v Speaker 2>Okay, Now here's the problem. Okay, if you owe, you

1615
01:23:08.399 --> 01:23:11.600
<v Speaker 2>don't have a lot of equity, not for a reverse loan.

1616
01:23:11.760 --> 01:23:15.560
<v Speaker 2>But you and I here's how a reverse loan works.

1617
01:23:16.079 --> 01:23:19.760
<v Speaker 5>It's going to take your equity and by the way,

1618
01:23:19.840 --> 01:23:22.840
<v Speaker 5>you have to pay it off, so you only have

1619
01:23:22.960 --> 01:23:25.680
<v Speaker 5>two eighty five left when you pay it off, right,

1620
01:23:27.079 --> 01:23:31.199
<v Speaker 5>and in your sixties to early seventies, the most you're

1621
01:23:31.239 --> 01:23:37.720
<v Speaker 5>gonna get is fifty percent of that. Fifty percent of

1622
01:23:37.800 --> 01:23:41.000
<v Speaker 5>that is one hundred and forty thousand dollars. Roughly, you're

1623
01:23:41.039 --> 01:23:44.680
<v Speaker 5>gonna come out with roughly one hundred and forty thousand bucks. Now,

1624
01:23:45.399 --> 01:23:49.760
<v Speaker 5>it's not, in your situation a good deal because there's

1625
01:23:49.800 --> 01:23:53.479
<v Speaker 5>not a lot of money there and and uh so

1626
01:23:53.600 --> 01:23:58.079
<v Speaker 5>your house will be paid off, but you'll you'll be

1627
01:23:59.279 --> 01:24:01.239
<v Speaker 5>you'll only have one hundred and forty two left or

1628
01:24:01.279 --> 01:24:05.359
<v Speaker 5>one hundred and forty and to supplement your income.

1629
01:24:05.520 --> 01:24:06.600
<v Speaker 2>How much do you need a month.

1630
01:24:08.880 --> 01:24:10.600
<v Speaker 13>Well, so.

1631
01:24:13.359 --> 01:24:17.479
<v Speaker 7>Between our combined social security and come what we bring

1632
01:24:17.600 --> 01:24:22.199
<v Speaker 7>in and what we pay out, including how utilities on average,

1633
01:24:23.720 --> 01:24:27.760
<v Speaker 7>I would say our monthly deficit is probably one or

1634
01:24:27.800 --> 01:24:28.880
<v Speaker 7>two hundred dollars.

1635
01:24:29.399 --> 01:24:32.920
<v Speaker 2>Wait, you have a monthly deficit every single month.

1636
01:24:34.279 --> 01:24:35.359
<v Speaker 7>Against our income?

1637
01:24:35.479 --> 01:24:37.800
<v Speaker 2>Yeah, because, well, how are you living?

1638
01:24:37.920 --> 01:24:38.039
<v Speaker 13>Then?

1639
01:24:38.319 --> 01:24:38.880
<v Speaker 2>How do you? Wait?

1640
01:24:39.039 --> 01:24:42.960
<v Speaker 7>Wait, how do you live with the savings? We have savings?

1641
01:24:43.119 --> 01:24:45.560
<v Speaker 5>But how much okay, how much in your saving I

1642
01:24:45.640 --> 01:24:47.439
<v Speaker 5>got some ideas. How much in your savings?

1643
01:24:50.039 --> 01:24:52.279
<v Speaker 7>Probably thirty five forty.

1644
01:24:54.000 --> 01:24:55.680
<v Speaker 2>Not thousands? Uh huh.

1645
01:24:56.479 --> 01:24:59.439
<v Speaker 5>Yeah, you're on a road to nowhere right now, you know,

1646
01:25:00.359 --> 01:25:03.760
<v Speaker 5>And I'm just saying this out of honest to God

1647
01:25:03.880 --> 01:25:07.960
<v Speaker 5>love and concern. You know, before you retire, did you

1648
01:25:08.119 --> 01:25:10.079
<v Speaker 5>consider how much it was going to cost.

1649
01:25:09.960 --> 01:25:10.359
<v Speaker 2>You to live?

1650
01:25:13.479 --> 01:25:16.640
<v Speaker 7>I have to be honest and say I didn't put

1651
01:25:16.680 --> 01:25:19.319
<v Speaker 7>a lot of thought to it. At the time I retired,

1652
01:25:19.399 --> 01:25:22.000
<v Speaker 7>I was having a hard time in my life with

1653
01:25:22.399 --> 01:25:26.039
<v Speaker 7>health issues and everything, and I just I left the

1654
01:25:26.199 --> 01:25:29.439
<v Speaker 7>job after doing what I do for thirty five years

1655
01:25:29.560 --> 01:25:30.960
<v Speaker 7>without hardly any notice on.

1656
01:25:31.159 --> 01:25:33.319
<v Speaker 5>So, when you say you have a deficit, when you

1657
01:25:33.399 --> 01:25:37.319
<v Speaker 5>say you have a deficit right now, do you get

1658
01:25:37.439 --> 01:25:39.960
<v Speaker 5>any kind of entertainment or anything?

1659
01:25:40.079 --> 01:25:40.640
<v Speaker 2>Or is that all?

1660
01:25:41.399 --> 01:25:46.079
<v Speaker 5>Is that deficit only considering your necessities? It doesn't consider

1661
01:25:46.199 --> 01:25:46.680
<v Speaker 5>your food?

1662
01:25:48.600 --> 01:25:54.319
<v Speaker 7>It's yeah, pretty much. I mean, so my house payment's

1663
01:25:54.399 --> 01:25:55.279
<v Speaker 7>nineteen hundred.

1664
01:25:55.439 --> 01:25:58.520
<v Speaker 2>My you told me we don't have to go through that.

1665
01:25:58.600 --> 01:26:01.640
<v Speaker 5>Now, I'm just asking, like, do you when you said

1666
01:26:01.680 --> 01:26:05.960
<v Speaker 5>you had about a tour three hundred dollars deficit? Do

1667
01:26:06.079 --> 01:26:10.840
<v Speaker 5>you have a tour three hundred dollars deficit when it

1668
01:26:11.000 --> 01:26:16.319
<v Speaker 5>comes to necessities only or food?

1669
01:26:16.520 --> 01:26:17.159
<v Speaker 2>Is food in that?

1670
01:26:19.800 --> 01:26:21.239
<v Speaker 7>Yeah? I would include food in that.

1671
01:26:22.720 --> 01:26:27.520
<v Speaker 2>Okay, all right, now, so then you have no room

1672
01:26:27.600 --> 01:26:32.239
<v Speaker 2>for any extras. There are some weird strategies you could take.

1673
01:26:34.000 --> 01:26:41.199
<v Speaker 5>Because because of reverse loan does not have to be

1674
01:26:41.359 --> 01:26:44.800
<v Speaker 5>paid back, you'd have to get it on the youngest one.

1675
01:26:45.039 --> 01:26:48.800
<v Speaker 5>Otherwise you don't want your wife leaving uh or having

1676
01:26:48.880 --> 01:26:52.119
<v Speaker 5>to move when you're out. But here's what I'm saying,

1677
01:26:52.199 --> 01:26:55.319
<v Speaker 5>So if she got a reverse loan, she's not going

1678
01:26:55.399 --> 01:26:56.279
<v Speaker 5>to get a lot of money.

1679
01:26:56.640 --> 01:27:03.079
<v Speaker 2>Okay, so it probably isn't worth it. But there are

1680
01:27:03.199 --> 01:27:07.279
<v Speaker 2>some other things that Like one thing, have you ever thought,

1681
01:27:07.399 --> 01:27:10.279
<v Speaker 2>and I'm serious now without getting being a smart ass,

1682
01:27:10.880 --> 01:27:12.920
<v Speaker 2>have you thought of you and your wife getting a

1683
01:27:13.000 --> 01:27:16.600
<v Speaker 2>part time job, you or your wife and just having

1684
01:27:16.680 --> 01:27:17.199
<v Speaker 2>some fun.

1685
01:27:19.520 --> 01:27:27.600
<v Speaker 7>She's she has some handicaps that kind of prohibit her

1686
01:27:27.720 --> 01:27:32.279
<v Speaker 7>from a lot of outside jobs that would require her

1687
01:27:32.359 --> 01:27:34.960
<v Speaker 7>to be standing up all the time. What about you

1688
01:27:35.119 --> 01:27:39.479
<v Speaker 7>you have done I've done some things that you know.

1689
01:27:39.720 --> 01:27:41.960
<v Speaker 7>I did some pizza delivery. I did some other odd

1690
01:27:42.159 --> 01:27:46.079
<v Speaker 7>jobs for a while. But but you know, the pizza

1691
01:27:46.159 --> 01:27:48.399
<v Speaker 7>delivery thing, it can be good. But the wear and

1692
01:27:48.479 --> 01:27:51.279
<v Speaker 7>tear on my personal car and everything, it's it's just.

1693
01:27:51.880 --> 01:27:55.199
<v Speaker 5>Listen, man, almost listen that thirty or forty is sacred

1694
01:27:55.279 --> 01:27:57.720
<v Speaker 5>in the bank, don't I would not be spending that

1695
01:27:57.840 --> 01:27:58.920
<v Speaker 5>on monthly expenses.

1696
01:28:00.359 --> 01:28:04.199
<v Speaker 2>But you know, there's not a lot. I mean one thing.

1697
01:28:04.640 --> 01:28:06.840
<v Speaker 2>I'm trying to think what.

1698
01:28:09.239 --> 01:28:11.800
<v Speaker 5>I don't really know, honest to goodness, I don't know

1699
01:28:11.840 --> 01:28:13.319
<v Speaker 5>what you can do to generate income.

1700
01:28:15.000 --> 01:28:18.399
<v Speaker 2>You know, sometimes it's impossible. You can't just you know.

1701
01:28:18.640 --> 01:28:21.680
<v Speaker 5>I mean no, seriously. I mean, you have a situation

1702
01:28:21.920 --> 01:28:24.640
<v Speaker 5>right now where you have too much house. You and

1703
01:28:24.720 --> 01:28:26.119
<v Speaker 5>your wife have to downsize.

1704
01:28:27.359 --> 01:28:30.000
<v Speaker 7>Well it's a nineteen hundred square foot house.

1705
01:28:30.960 --> 01:28:37.039
<v Speaker 2>Yeah, but I mean go ahead, yeah, I mean I

1706
01:28:37.119 --> 01:28:41.399
<v Speaker 2>mean how much is your right now? Think about this?

1707
01:28:42.039 --> 01:28:44.359
<v Speaker 5>If you could sell your place and get a much

1708
01:28:44.439 --> 01:28:49.239
<v Speaker 5>smaller nut to crack or pay off another house. I mean,

1709
01:28:50.800 --> 01:28:53.319
<v Speaker 5>I'm trying to come up with a solution here. I'm

1710
01:28:53.359 --> 01:28:55.159
<v Speaker 5>not saying it's going to be ideal. You might be

1711
01:28:55.279 --> 01:28:57.560
<v Speaker 5>in love with your home, but it may not be

1712
01:28:57.680 --> 01:29:00.720
<v Speaker 5>a good idea, or you might want to consider a

1713
01:29:00.920 --> 01:29:04.760
<v Speaker 5>more inexpensive state we're talking about. It's we're talking about

1714
01:29:04.800 --> 01:29:06.640
<v Speaker 5>a sixty two and a sixty nine year old. By

1715
01:29:06.640 --> 01:29:10.479
<v Speaker 5>the way, by my estimate, I don't consider that that old.

1716
01:29:10.800 --> 01:29:13.680
<v Speaker 5>I mean, I haven't stopped working because I love things.

1717
01:29:13.960 --> 01:29:18.520
<v Speaker 5>I love life, I love buying things. I love having

1718
01:29:18.640 --> 01:29:21.199
<v Speaker 5>no limit on what I can buy. I don't want

1719
01:29:21.239 --> 01:29:24.159
<v Speaker 5>to live on Social Security. And I get a crapload

1720
01:29:24.199 --> 01:29:27.520
<v Speaker 5>of Social Security because of how much I worked, and

1721
01:29:27.640 --> 01:29:28.359
<v Speaker 5>I still get it.

1722
01:29:28.720 --> 01:29:31.439
<v Speaker 2>But but I'm just I'm not bragging. I'm not bragged.

1723
01:29:31.520 --> 01:29:35.840
<v Speaker 5>In fact, I'm saying that a lot of people say, Tom, retire, retire, retire, Well.

1724
01:29:35.760 --> 01:29:38.800
<v Speaker 2>I could, but then what I don't ever want to

1725
01:29:38.840 --> 01:29:41.760
<v Speaker 2>be faced with limits. That's my choice.

1726
01:29:42.119 --> 01:29:44.840
<v Speaker 5>But when you when you make the choice to retire

1727
01:29:45.399 --> 01:29:46.880
<v Speaker 5>without a lot of.

1728
01:29:47.000 --> 01:29:50.199
<v Speaker 2>Money, then you then there must be limits. I mean,

1729
01:29:50.239 --> 01:29:51.560
<v Speaker 2>there's no magic in life.

1730
01:29:51.880 --> 01:29:55.880
<v Speaker 5>It's not because the richer evil and people make lesser

1731
01:29:56.119 --> 01:29:59.439
<v Speaker 5>are are better. It's not because anyone is against you

1732
01:29:59.600 --> 01:30:00.640
<v Speaker 5>or anyone against me.

1733
01:30:01.079 --> 01:30:03.359
<v Speaker 2>It's it's equal in equal out.

1734
01:30:04.119 --> 01:30:07.680
<v Speaker 5>I say you, if you are looking to live without

1735
01:30:07.720 --> 01:30:11.079
<v Speaker 5>a deficit a reverse mortgage, you don't have enough equity,

1736
01:30:11.199 --> 01:30:14.039
<v Speaker 5>'re not old enough. What you probably would need to

1737
01:30:14.159 --> 01:30:17.600
<v Speaker 5>do is downsize the house or down quality, or go

1738
01:30:17.720 --> 01:30:19.279
<v Speaker 5>to a state that's more affordable.

1739
01:30:19.600 --> 01:30:21.920
<v Speaker 2>I was thinking, if that thirty or forty.

1740
01:30:21.680 --> 01:30:23.800
<v Speaker 5>In the bank, you would never want to take out

1741
01:30:23.840 --> 01:30:25.960
<v Speaker 5>that cushion for an annuity, and that wouldn't get you

1742
01:30:26.079 --> 01:30:26.600
<v Speaker 5>much anyway.

1743
01:30:26.640 --> 01:30:28.000
<v Speaker 2>It'd get your pennies every month.

1744
01:30:28.039 --> 01:30:31.239
<v Speaker 5>It wouldn't get you enough, and you don't have enough

1745
01:30:31.840 --> 01:30:34.520
<v Speaker 5>to take an equity loan out to get an annuity

1746
01:30:34.560 --> 01:30:38.560
<v Speaker 5>would be silly. But if you sold your house and

1747
01:30:38.760 --> 01:30:41.279
<v Speaker 5>bought something that was that, you could damn near.

1748
01:30:42.560 --> 01:30:44.720
<v Speaker 2>What's that? Yeah, I will take a break.

1749
01:30:45.159 --> 01:30:47.760
<v Speaker 5>If you could sell your house, take the equity and

1750
01:30:47.960 --> 01:30:50.520
<v Speaker 5>buy a house with a big down, that would be

1751
01:30:50.720 --> 01:30:51.920
<v Speaker 5>less payment per month.

1752
01:30:52.359 --> 01:30:53.439
<v Speaker 2>That would help as well.

1753
01:30:53.880 --> 01:30:56.640
<v Speaker 10>What about buying bonds and using the interest?

1754
01:30:57.520 --> 01:30:59.920
<v Speaker 5>Okay, where's he getting the money to buy bonds? Where's

1755
01:31:00.039 --> 01:31:00.560
<v Speaker 5>getting the intro?

1756
01:31:00.920 --> 01:31:03.960
<v Speaker 10>He takes twenty thousand out with that and get that

1757
01:31:04.039 --> 01:31:04.840
<v Speaker 10>that's not gonna give it.

1758
01:31:05.199 --> 01:31:07.840
<v Speaker 5>Twenty thousand dollars worth of bonds won't get him squat

1759
01:31:07.960 --> 01:31:08.520
<v Speaker 5>in income.

1760
01:31:08.920 --> 01:31:12.720
<v Speaker 10>Well, he said he only needs one or two hundred, and.

1761
01:31:12.800 --> 01:31:17.520
<v Speaker 2>That's without any extras. For God's sakes, I mean, the.

1762
01:31:17.600 --> 01:31:20.079
<v Speaker 5>Math doesn't work that way. Bonds don't pay. What do

1763
01:31:20.159 --> 01:31:22.640
<v Speaker 5>you think bonds pay? What do you really think they

1764
01:31:22.720 --> 01:31:23.920
<v Speaker 5>pay on a thousand dollars bond?

1765
01:31:23.960 --> 01:31:24.960
<v Speaker 2>What do you really think they.

1766
01:31:25.119 --> 01:31:27.880
<v Speaker 10>Said that you had some government bonds that paid pretty well.

1767
01:31:28.520 --> 01:31:31.520
<v Speaker 5>Okay, on the outside rates are going down now. They

1768
01:31:31.560 --> 01:31:37.039
<v Speaker 5>were paying six percent six percent. So if you do

1769
01:31:37.159 --> 01:31:40.840
<v Speaker 5>the math on that, you know one thousand dollars right,

1770
01:31:41.800 --> 01:31:45.279
<v Speaker 5>increment six percent, So you know.

1771
01:31:45.560 --> 01:31:49.359
<v Speaker 2>That is in a year. That's sixty dollars in a year.

1772
01:31:50.720 --> 01:31:52.319
<v Speaker 2>So how many would he have to buy?

1773
01:31:52.560 --> 01:31:53.720
<v Speaker 10>Okay, it was just a thought.

1774
01:31:53.960 --> 01:31:56.920
<v Speaker 5>No, no, I get it, I get it. But an

1775
01:31:56.960 --> 01:31:59.520
<v Speaker 5>annuity is another thought. But he doesn't have the money.

1776
01:32:00.079 --> 01:32:04.479
<v Speaker 5>He retired without proper money. A lot of people do it.

1777
01:32:04.600 --> 01:32:06.920
<v Speaker 5>He's not the only one. I'm talking to the vast

1778
01:32:07.000 --> 01:32:12.720
<v Speaker 5>majority of people. He retired without enough money. So you

1779
01:32:12.880 --> 01:32:18.960
<v Speaker 5>either increase income or reduce the nut and Mike honest

1780
01:32:19.000 --> 01:32:22.600
<v Speaker 5>to goodness. I'd be happy to offer you other solutions

1781
01:32:22.600 --> 01:32:25.079
<v Speaker 5>if I had him, but I don't have any.

1782
01:32:25.199 --> 01:32:26.399
<v Speaker 2>I got more coming right up.

1783
01:32:31.960 --> 01:32:35.199
<v Speaker 5>Go with a sure thing Denver's best roofer Excel Roofing

1784
01:32:35.319 --> 01:32:37.960
<v Speaker 5>dot com. You don't pay a cent until you're content.

1785
01:32:41.359 --> 01:32:44.479
<v Speaker 5>Time for an insurance check up free, no obligation. In comparison,

1786
01:32:44.680 --> 01:32:48.199
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

1787
01:32:48.239 --> 01:32:50.960
<v Speaker 5>of insurance companies find out Now three O three seven

1788
01:32:50.960 --> 01:32:51.520
<v Speaker 5>to seven to one.

1789
01:32:51.640 --> 01:32:51.880
<v Speaker 2>Help.

1790
01:32:52.079 --> 01:32:54.720
<v Speaker 5>You'll think you're his only customer when you choose Frank

1791
01:32:54.800 --> 01:32:57.199
<v Speaker 5>durand the real estate Man dot com to list your

1792
01:32:57.279 --> 01:33:01.479
<v Speaker 5>home with Remax Alliance three three to zero sixteen twenty two.

1793
01:33:09.159 --> 01:33:12.279
<v Speaker 2>Hi Tom Martino here at three oh three seven one

1794
01:33:12.439 --> 01:33:17.039
<v Speaker 2>three talk seven one three eight two five five. So

1795
01:33:19.560 --> 01:33:23.399
<v Speaker 2>I've been reading about a lot of organizations being debanked

1796
01:33:23.520 --> 01:33:26.239
<v Speaker 2>as well. And these organizations they have been.

1797
01:33:28.399 --> 01:33:31.439
<v Speaker 5>Basically, their bank accounts have been closed, the money has

1798
01:33:31.479 --> 01:33:32.079
<v Speaker 5>been frozen.

1799
01:33:32.960 --> 01:33:38.399
<v Speaker 2>We had a doctor who was famous for preaching against

1800
01:33:39.279 --> 01:33:44.159
<v Speaker 2>the AMA and the vaccination and what he calls the

1801
01:33:44.279 --> 01:33:45.560
<v Speaker 2>medical cabal and.

1802
01:33:47.119 --> 01:33:50.279
<v Speaker 5>The narrative the I call it the Biden narrative of

1803
01:33:50.560 --> 01:33:58.000
<v Speaker 5>the government narrative We've had peep organizations dedicated to helping

1804
01:34:00.079 --> 01:34:03.560
<v Speaker 5>women keep their babies instead of aborting them and trying

1805
01:34:03.600 --> 01:34:07.039
<v Speaker 5>to educate them so they were anti abortioned their bank

1806
01:34:07.119 --> 01:34:11.840
<v Speaker 5>accounts have been shut down. It seems coincidentally that most

1807
01:34:11.920 --> 01:34:14.760
<v Speaker 5>of the organizations that have had bank accounts shutdown have

1808
01:34:14.840 --> 01:34:18.840
<v Speaker 5>been conservative or against the narrative. And then we also

1809
01:34:19.000 --> 01:34:22.279
<v Speaker 5>have a lot of individuals whose accounts have been closed

1810
01:34:22.319 --> 01:34:22.920
<v Speaker 5>down for.

1811
01:34:23.039 --> 01:34:23.920
<v Speaker 2>No rhyme or reason.

1812
01:34:24.279 --> 01:34:29.039
<v Speaker 5>David, what is going on with the fluid in your transmission?

1813
01:34:29.119 --> 01:34:30.680
<v Speaker 2>David, welcome, What's happening?

1814
01:34:32.920 --> 01:34:35.039
<v Speaker 12>Okay, I'm just getting a little background on it. I

1815
01:34:35.159 --> 01:34:39.720
<v Speaker 12>bought a brand new twenty nineteen pul at Goncore, okay,

1816
01:34:39.920 --> 01:34:41.960
<v Speaker 12>and I have fifty thousand miles.

1817
01:34:41.680 --> 01:34:46.359
<v Speaker 2>On it in twenty nineteen, you said at twenty nineteen, right.

1818
01:34:47.720 --> 01:34:48.920
<v Speaker 12>Yes, I bought it brand new.

1819
01:34:49.079 --> 01:34:52.199
<v Speaker 11>In two nineteen, got it and.

1820
01:34:52.279 --> 01:34:55.600
<v Speaker 12>It hit fifty thousand miles, and my water pump went out.

1821
01:34:56.840 --> 01:34:59.479
<v Speaker 12>So I'm a shade tree mechanic, and I was able

1822
01:34:59.560 --> 01:35:03.520
<v Speaker 12>to fix the water pump. And then about a week

1823
01:35:03.560 --> 01:35:06.359
<v Speaker 12>and a half later, I noticed my transmission had a

1824
01:35:07.359 --> 01:35:08.920
<v Speaker 12>small intermittent.

1825
01:35:08.520 --> 01:35:08.960
<v Speaker 10>Leak in it.

1826
01:35:10.720 --> 01:35:14.039
<v Speaker 5>And now when was that water pump replaced? When was

1827
01:35:14.119 --> 01:35:15.600
<v Speaker 5>that fifty thousand miles hit?

1828
01:35:17.840 --> 01:35:17.960
<v Speaker 9>Oh?

1829
01:35:18.199 --> 01:35:19.359
<v Speaker 15>Just two weeks ago?

1830
01:35:19.640 --> 01:35:27.800
<v Speaker 2>Okay? All right? And now you noticed another problem transmission.

1831
01:35:28.560 --> 01:35:34.239
<v Speaker 12>Yeah, the transmission has a small leak. But I can't

1832
01:35:34.279 --> 01:35:35.000
<v Speaker 12>find the leak.

1833
01:35:35.560 --> 01:35:36.920
<v Speaker 13>Oh okay, I don't know.

1834
01:35:37.039 --> 01:35:40.680
<v Speaker 15>I just see it in my garage. Sometimes it's just

1835
01:35:41.199 --> 01:35:43.359
<v Speaker 15>like a drop, and sometimes it's the size.

1836
01:35:43.079 --> 01:35:43.560
<v Speaker 14>Of a quarter.

1837
01:35:44.560 --> 01:35:47.560
<v Speaker 2>Okay. And how do you know it's transmission.

1838
01:35:48.720 --> 01:35:49.520
<v Speaker 15>Because it's red.

1839
01:35:50.479 --> 01:35:54.840
<v Speaker 2>Okay. And so now you want to know what could

1840
01:35:54.920 --> 01:35:59.119
<v Speaker 2>possibly be causing that where fifty thousand miles. Nothing should

1841
01:35:59.159 --> 01:36:03.159
<v Speaker 2>be causing that. I'm gonna ask Kevin. He's coming over

1842
01:36:03.279 --> 01:36:06.239
<v Speaker 2>right now, so let me recap water Kevin, I never

1843
01:36:06.319 --> 01:36:08.680
<v Speaker 2>went out either. Kevin is water pump went out at

1844
01:36:08.720 --> 01:36:11.960
<v Speaker 2>fifty thousand miles on a twenty nineteen buick Encore. He

1845
01:36:12.039 --> 01:36:12.600
<v Speaker 2>bought it new.

1846
01:36:13.159 --> 01:36:17.199
<v Speaker 5>Now the transmission has a small leak. He can't find

1847
01:36:17.760 --> 01:36:19.000
<v Speaker 5>what would cause a small.

1848
01:36:18.840 --> 01:36:23.439
<v Speaker 2>Leak on a fifty thousand mile car twenty nineteen buick Encore.

1849
01:36:24.399 --> 01:36:27.359
<v Speaker 9>Could be any simple gasket or seal a hose. I mean,

1850
01:36:27.399 --> 01:36:29.920
<v Speaker 9>there's there's quite a few things, you know. The cooling hoses, goes,

1851
01:36:29.960 --> 01:36:34.000
<v Speaker 9>a radiator are common on those anything. What year was it.

1852
01:36:34.199 --> 01:36:36.920
<v Speaker 5>He said it's red fluid. He's assuming it's a nineteen.

1853
01:36:37.000 --> 01:36:39.319
<v Speaker 5>He's assuming it's transmission fluid.

1854
01:36:39.960 --> 01:36:42.039
<v Speaker 9>Well, it could be any freeze as well. Some of

1855
01:36:42.039 --> 01:36:44.920
<v Speaker 9>the anti freezes are red and pink and different things.

1856
01:36:45.560 --> 01:36:46.680
<v Speaker 9>So definitely get a check.

1857
01:36:46.840 --> 01:36:51.720
<v Speaker 2>What well, have you had a check David? He's a

1858
01:36:51.800 --> 01:36:53.640
<v Speaker 2>dow it yourself or he doesn't go a lot to me?

1859
01:36:54.640 --> 01:37:00.319
<v Speaker 2>Who does your oil changes? Might be okay, if you have.

1860
01:37:00.319 --> 01:37:01.640
<v Speaker 9>Any doubt, we'll take a look at it.

1861
01:37:01.680 --> 01:37:03.479
<v Speaker 2>Hey, where were you located?

1862
01:37:07.000 --> 01:37:11.239
<v Speaker 5>Yeah, sort Why don't you go down to Kevin at

1863
01:37:11.520 --> 01:37:13.399
<v Speaker 5>a charit and he'll take a free look at it.

1864
01:37:13.800 --> 01:37:15.119
<v Speaker 9>Yeah, I'll just look tell you what we think.

1865
01:37:17.039 --> 01:37:23.199
<v Speaker 12>Oh, here's the main question that I had. There's no dipstick. No,

1866
01:37:23.479 --> 01:37:28.399
<v Speaker 12>how I know when the few fluid is dangerously low on.

1867
01:37:28.560 --> 01:37:33.039
<v Speaker 2>The transmission you're talking? What do you do in a

1868
01:37:33.119 --> 01:37:34.079
<v Speaker 2>case like that? Kevin?

1869
01:37:34.159 --> 01:37:36.039
<v Speaker 9>That's there's a lot of them where you have to

1870
01:37:36.119 --> 01:37:38.880
<v Speaker 9>fill them till they overflow a certain level and then

1871
01:37:38.920 --> 01:37:40.640
<v Speaker 9>you know they're full. There's no way to know that

1872
01:37:40.760 --> 01:37:42.279
<v Speaker 9>you're exactly two quarts low.

1873
01:37:43.079 --> 01:37:45.279
<v Speaker 2>Where's the film from the top, from the bottom, from

1874
01:37:45.319 --> 01:37:47.520
<v Speaker 2>the bottom. Yeah, what do you mean from the bottom.

1875
01:37:47.279 --> 01:37:50.479
<v Speaker 9>There's a like a sight hole that you pull out

1876
01:37:50.560 --> 01:37:51.920
<v Speaker 9>on the bottom and then you fill it from the

1877
01:37:52.000 --> 01:37:55.399
<v Speaker 9>top till it overflows. Come on, Yeah, but there's no dipstick,

1878
01:37:55.520 --> 01:37:57.119
<v Speaker 9>so I know, I need to get two quarts and

1879
01:37:57.199 --> 01:37:59.039
<v Speaker 9>put it in. You just start adding it until it

1880
01:37:59.159 --> 01:38:00.239
<v Speaker 9>runs out of the the What.

1881
01:38:00.279 --> 01:38:03.600
<v Speaker 5>If you fill it from the top in the engine compartment,

1882
01:38:03.640 --> 01:38:05.199
<v Speaker 5>there's a filler right on top of you.

1883
01:38:05.399 --> 01:38:07.279
<v Speaker 2>What if you do it, their tiller overflows that.

1884
01:38:07.399 --> 01:38:08.880
<v Speaker 9>Well, it's not going to overflow till you get the

1885
01:38:08.960 --> 01:38:12.279
<v Speaker 9>plug out of the bottom. See it's a sight plug

1886
01:38:12.399 --> 01:38:15.119
<v Speaker 9>on the bottom of the transmission because you don't want

1887
01:38:15.159 --> 01:38:18.319
<v Speaker 9>it to fill past the axle level or oh through

1888
01:38:18.359 --> 01:38:20.640
<v Speaker 9>the seal. Okay, so yeah, you got to get the

1889
01:38:20.720 --> 01:38:22.920
<v Speaker 9>level right. But yeah, it's it's it's difficult for the

1890
01:38:23.000 --> 01:38:23.319
<v Speaker 9>home but.

1891
01:38:23.399 --> 01:38:26.239
<v Speaker 5>They can check that for you. You ought to just

1892
01:38:26.399 --> 01:38:30.039
<v Speaker 5>go by there, man, I mean and and so he said.

1893
01:38:30.079 --> 01:38:32.439
<v Speaker 5>When you do, you can fill it from the top,

1894
01:38:32.520 --> 01:38:34.840
<v Speaker 5>but you never know. You have to get underneath and

1895
01:38:34.880 --> 01:38:35.880
<v Speaker 5>look at the site gauge.

1896
01:38:36.000 --> 01:38:38.640
<v Speaker 9>Well, you pull the plug on the fill hole and

1897
01:38:38.800 --> 01:38:40.720
<v Speaker 9>as the fluid runs out, then it's full.

1898
01:38:41.399 --> 01:38:42.079
<v Speaker 2>Oh my god.

1899
01:38:42.319 --> 01:38:42.520
<v Speaker 14>Level.

1900
01:38:43.000 --> 01:38:46.039
<v Speaker 2>So there is no sight gauge It's just a plug,

1901
01:38:46.279 --> 01:38:46.720
<v Speaker 2>just a plug.

1902
01:38:46.800 --> 01:38:48.319
<v Speaker 9>You pull and you again.

1903
01:38:48.399 --> 01:38:51.399
<v Speaker 2>David, that's going to be a pain in your butt.

1904
01:38:51.520 --> 01:38:51.680
<v Speaker 20>Man.

1905
01:38:51.840 --> 01:38:53.359
<v Speaker 2>Do you know what he's talking about? Right?

1906
01:38:54.760 --> 01:38:57.159
<v Speaker 15>Yeah, yeah, I read about that.

1907
01:39:00.199 --> 01:39:00.359
<v Speaker 2>Well.

1908
01:39:00.479 --> 01:39:01.039
<v Speaker 15>I don't like it.

1909
01:39:01.720 --> 01:39:05.199
<v Speaker 5>I recommend at least get a free check. I'm serious, man,

1910
01:39:07.880 --> 01:39:10.199
<v Speaker 5>That's what I would do anyway. Three oh three seven

1911
01:39:10.279 --> 01:39:13.159
<v Speaker 5>one three talk seven one three eight two five five.

1912
01:39:18.560 --> 01:39:21.800
<v Speaker 5>Go with a sure thing Denver's best roofer Excel Roofing

1913
01:39:21.920 --> 01:39:24.560
<v Speaker 5>dot com. You don't pay a cent until you're content.

1914
01:39:27.960 --> 01:39:31.079
<v Speaker 5>Time for an insurance check up free, no obligation. In comparison,

1915
01:39:31.279 --> 01:39:34.800
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

1916
01:39:34.840 --> 01:39:37.560
<v Speaker 5>of insurance companies find out now three oh three seven

1917
01:39:37.560 --> 01:39:39.880
<v Speaker 5>to seven to one help. You'll think you're his only

1918
01:39:40.000 --> 01:39:42.439
<v Speaker 5>customer when you choose Frank durand the real estate Man

1919
01:39:42.520 --> 01:39:45.920
<v Speaker 5>dot com to list your home with Remax Alliance three

1920
01:39:46.000 --> 01:39:48.039
<v Speaker 5>oh three nine two zero sixteen twenty two.

1921
01:39:54.359 --> 01:39:56.199
<v Speaker 2>Hi Tom Martino, you're a troubleshooter.

1922
01:39:56.319 --> 01:39:58.319
<v Speaker 5>Three oh three seven to one three talks seven one

1923
01:39:58.359 --> 01:40:01.600
<v Speaker 5>three eight two five five Are more and more cars

1924
01:40:01.680 --> 01:40:03.840
<v Speaker 5>doing that with the no access.

1925
01:40:04.039 --> 01:40:07.960
<v Speaker 9>Well BMW's there's no dipstick for the oil for the oil.

1926
01:40:08.039 --> 01:40:09.039
<v Speaker 2>I don't have a dipstick.

1927
01:40:09.239 --> 01:40:11.000
<v Speaker 9>No, you need a scanner to know if you're oil

1928
01:40:11.079 --> 01:40:11.319
<v Speaker 9>is full.

1929
01:40:12.039 --> 01:40:14.359
<v Speaker 2>Wait a minute, how do I know when I need oil?

1930
01:40:14.560 --> 01:40:14.920
<v Speaker 9>You don't.

1931
01:40:15.239 --> 01:40:17.039
<v Speaker 2>What do you mean I don't, Well, you.

1932
01:40:17.119 --> 01:40:20.399
<v Speaker 9>Don't unless you have a warning indicator, level indicator, come

1933
01:40:20.439 --> 01:40:22.399
<v Speaker 9>on to tell you you're low. There's no way that

1934
01:40:22.520 --> 01:40:23.159
<v Speaker 9>you can check it.

1935
01:40:25.359 --> 01:40:26.439
<v Speaker 2>This is frightening.

1936
01:40:26.600 --> 01:40:27.479
<v Speaker 9>Yeah, they don't want you to.

1937
01:40:27.560 --> 01:40:29.960
<v Speaker 2>Know, Samantha. What's going on with Larry Miller?

1938
01:40:33.119 --> 01:40:38.600
<v Speaker 18>Well, I so, hi, so, me and my husband we

1939
01:40:38.960 --> 01:40:41.960
<v Speaker 18>recently purchased the vehicle in the middle of August.

1940
01:40:42.319 --> 01:40:42.800
<v Speaker 19>What you bought?

1941
01:40:43.119 --> 01:40:47.159
<v Speaker 20>And we we bought a Dodge Ram, a twenty twenty

1942
01:40:47.239 --> 01:40:51.720
<v Speaker 20>Dodge Ram, and we signed contracts, left it down payment.

1943
01:40:52.159 --> 01:40:54.840
<v Speaker 2>Was this a newer used you know? Is this used?

1944
01:40:55.159 --> 01:40:56.159
<v Speaker 14>It's a used vehicle?

1945
01:40:56.359 --> 01:41:00.359
<v Speaker 2>Yeah, got it? Yeah?

1946
01:41:00.520 --> 01:41:04.319
<v Speaker 20>So then what happened? You know, we're set, we're you know, hooray,

1947
01:41:04.439 --> 01:41:06.680
<v Speaker 20>we got a new car, just kind of getting our life,

1948
01:41:06.760 --> 01:41:09.079
<v Speaker 20>you know, ready for you know, those new payments and

1949
01:41:09.199 --> 01:41:12.479
<v Speaker 20>just life with this new vehicle. On nine to nine,

1950
01:41:13.720 --> 01:41:17.239
<v Speaker 20>on September ninth, we were contacted, and this is well

1951
01:41:17.399 --> 01:41:22.039
<v Speaker 20>over two weeks later, contacted saying that they're having issues

1952
01:41:22.079 --> 01:41:24.119
<v Speaker 20>with the financing, and we were like okay, you know,

1953
01:41:24.319 --> 01:41:26.000
<v Speaker 20>like totally fine, Like what do we need to do

1954
01:41:27.199 --> 01:41:29.119
<v Speaker 20>at that time? They told us that we needed to

1955
01:41:29.199 --> 01:41:32.680
<v Speaker 20>leave five thousand down, so we said okay. They said

1956
01:41:32.720 --> 01:41:34.720
<v Speaker 20>once they got the you know, the credit finance.

1957
01:41:34.760 --> 01:41:37.880
<v Speaker 2>Wait, wait, but you took the truck, you took delivery

1958
01:41:37.960 --> 01:41:41.840
<v Speaker 2>of the truck, and you assumed you assumed everything was.

1959
01:41:41.880 --> 01:41:46.720
<v Speaker 13>Done correct, absolutely, Well, what right do.

1960
01:41:46.800 --> 01:41:49.039
<v Speaker 2>They have to say? Wait? What right do they have

1961
01:41:49.239 --> 01:41:52.840
<v Speaker 2>to rescind that? I mean, see dealers do that all

1962
01:41:52.920 --> 01:41:55.479
<v Speaker 2>the time, but I am convinced not all of them

1963
01:41:55.560 --> 01:41:59.560
<v Speaker 2>do it legally. What they do is they they it's

1964
01:41:59.640 --> 01:42:01.520
<v Speaker 2>called callback, They.

1965
01:42:01.560 --> 01:42:04.199
<v Speaker 5>Call you back and say, oh, we had a problem,

1966
01:42:04.520 --> 01:42:06.960
<v Speaker 5>and then they get either more cash from you or

1967
01:42:07.039 --> 01:42:10.439
<v Speaker 5>another signer, or they make you sign a higher interest rate.

1968
01:42:10.720 --> 01:42:13.279
<v Speaker 5>They trick you, they get you the car so you

1969
01:42:13.359 --> 01:42:15.680
<v Speaker 5>don't go buy it from anywhere else. Then they do

1970
01:42:15.840 --> 01:42:19.359
<v Speaker 5>the old caller the callback, but the dealer call back.

1971
01:42:19.560 --> 01:42:22.560
<v Speaker 5>But here's the problem with the callback. The problem with

1972
01:42:22.680 --> 01:42:24.039
<v Speaker 5>the callback.

1973
01:42:24.039 --> 01:42:28.680
<v Speaker 2>Is that usually it's written in such a way that

1974
01:42:29.399 --> 01:42:32.079
<v Speaker 2>they really can't do a callback. They try to get

1975
01:42:32.119 --> 01:42:36.760
<v Speaker 2>away with it, but they can't do it. So tell

1976
01:42:36.840 --> 01:42:38.560
<v Speaker 2>me what happened with yours?

1977
01:42:40.560 --> 01:42:43.279
<v Speaker 20>Yeah, and that's essentially what happened, you know, So.

1978
01:42:43.359 --> 01:42:46.520
<v Speaker 5>They called it Go with a sure thing Denver's Best

1979
01:42:46.640 --> 01:42:49.439
<v Speaker 5>roofer Excel Roofing dot com. You don't pay a cent

1980
01:42:49.680 --> 01:42:55.720
<v Speaker 5>until you're content. Time for an insurance check up free,

1981
01:42:55.840 --> 01:42:59.520
<v Speaker 5>no obligation. In comparison, call Compass Insurance paying too much

1982
01:42:59.680 --> 01:43:02.600
<v Speaker 5>your bridge at dozens of insurance companies find out now

1983
01:43:02.720 --> 01:43:04.960
<v Speaker 5>three all three seven to seven to one help. You'll

1984
01:43:05.000 --> 01:43:07.760
<v Speaker 5>think you're his only customer when you choose Frank durand

1985
01:43:07.760 --> 01:43:10.199
<v Speaker 5>the real estate Man dot com to list your home

1986
01:43:10.439 --> 01:43:13.600
<v Speaker 5>with Remax Alliance three all three nine two zero sixteen

1987
01:43:13.640 --> 01:43:20.239
<v Speaker 5>twenty two Yeah, ript.

1988
01:43:21.960 --> 01:43:28.760
<v Speaker 1>News, so you don't have come running, just as fas

1989
01:43:28.920 --> 01:43:32.800
<v Speaker 1>as you can. Shooter's gonna help come.

1990
01:43:33.439 --> 01:43:39.840
<v Speaker 4>Man Dix is the Troubleshooter Show. No Tom Martino, Hi.

1991
01:43:39.960 --> 01:43:43.680
<v Speaker 5>Tom Martina here along with deputy doc at the studio,

1992
01:43:43.800 --> 01:43:46.560
<v Speaker 5>Deputy d here and Kevin Coke and shared an auto tech.

1993
01:43:46.600 --> 01:43:50.840
<v Speaker 5>We're talking about problems, questions and complaints. Let's uh go

1994
01:43:51.079 --> 01:43:56.880
<v Speaker 5>right to the phones. Samantha said she bought a twenty

1995
01:43:56.960 --> 01:44:02.039
<v Speaker 5>twenty Dodge Ram from Larry Miller. Two weeks later, dealer

1996
01:44:02.159 --> 01:44:05.840
<v Speaker 5>calls back they're having issues with financing.

1997
01:44:07.000 --> 01:44:11.079
<v Speaker 2>Larry Miller wants another five grand down.

1998
01:44:11.840 --> 01:44:14.680
<v Speaker 5>This is called the old dealer call back. It's a

1999
01:44:14.760 --> 01:44:22.439
<v Speaker 5>common trick dealers do what's called tripping cars. Tripping cars

2000
01:44:22.720 --> 01:44:26.760
<v Speaker 5>or rolling cars is when you put a car in

2001
01:44:26.840 --> 01:44:32.119
<v Speaker 5>the hands of someone without having all the i's dotted

2002
01:44:32.239 --> 01:44:33.359
<v Speaker 5>and the t's crossed.

2003
01:44:34.840 --> 01:44:38.960
<v Speaker 2>Many times. They do it for two reasons. One to

2004
01:44:39.079 --> 01:44:43.920
<v Speaker 2>get you to not buy somewhere else, and to have

2005
01:44:44.079 --> 01:44:46.479
<v Speaker 2>you go home with it and do the puppy.

2006
01:44:46.199 --> 01:44:48.319
<v Speaker 5>Dog sale where you get attached to it, you show

2007
01:44:48.359 --> 01:44:52.760
<v Speaker 5>your friends and neighbors, and then they call back with

2008
01:44:52.840 --> 01:44:55.960
<v Speaker 5>a problem and you'll do anything to keep it. The

2009
01:44:56.039 --> 01:45:00.600
<v Speaker 5>other reason they do it is they charge bailment bailmant

2010
01:45:01.199 --> 01:45:02.159
<v Speaker 5>on some cars.

2011
01:45:02.600 --> 01:45:05.840
<v Speaker 2>They can make more money doing bailman over and over

2012
01:45:05.920 --> 01:45:07.720
<v Speaker 2>and over. Bailman is used to the car for.

2013
01:45:07.760 --> 01:45:12.079
<v Speaker 5>The short time you had it, and it's a dirty

2014
01:45:12.159 --> 01:45:14.560
<v Speaker 5>old trick from the old days when dealers were really

2015
01:45:14.680 --> 01:45:17.000
<v Speaker 5>sleazy and you felt like you had to take a

2016
01:45:17.159 --> 01:45:21.279
<v Speaker 5>shower after you had met them. Larry Miller still is

2017
01:45:21.359 --> 01:45:23.840
<v Speaker 5>one of those kinds of dealers. They have all kinds

2018
01:45:23.880 --> 01:45:26.880
<v Speaker 5>of tricks and they're not very in my opinion, they're

2019
01:45:26.920 --> 01:45:31.560
<v Speaker 5>not very good, so I'm not surprised you got the

2020
01:45:31.600 --> 01:45:35.239
<v Speaker 5>old call back. They know right up front what they

2021
01:45:35.359 --> 01:45:37.479
<v Speaker 5>need for financing. They do this to get the car

2022
01:45:37.560 --> 01:45:41.520
<v Speaker 5>in your hands, to make you feel obligated. I'm going

2023
01:45:41.600 --> 01:45:43.439
<v Speaker 5>to tell you a few things I've done in the past.

2024
01:45:45.119 --> 01:45:49.039
<v Speaker 5>We've actually had dealers try this on people, Samantha, and

2025
01:45:49.560 --> 01:45:53.960
<v Speaker 5>we actually have made a dealer take the deal anyway,

2026
01:45:55.720 --> 01:45:57.159
<v Speaker 5>and the dealer said, how'd you do that?

2027
01:45:57.560 --> 01:45:59.119
<v Speaker 2>Or it makes you not the dealer? People say, how

2028
01:45:59.159 --> 01:45:59.600
<v Speaker 2>do you do that?

2029
01:46:00.640 --> 01:46:00.800
<v Speaker 15>See?

2030
01:46:00.840 --> 01:46:06.000
<v Speaker 5>The dealer says, well, it's contingent on approval. And I said, well,

2031
01:46:06.079 --> 01:46:09.359
<v Speaker 5>here's a finance agreement, and oddly enough, it says the

2032
01:46:09.479 --> 01:46:15.920
<v Speaker 5>lenders you says the consumer is her, has a monthly payment,

2033
01:46:16.039 --> 01:46:21.399
<v Speaker 5>truth and lending statement, interest rate, total of payments, has everything,

2034
01:46:22.159 --> 01:46:28.239
<v Speaker 5>has everything on it. And it also doesn't say anything

2035
01:46:28.279 --> 01:46:31.119
<v Speaker 5>about this paper has to be sold to somebody to

2036
01:46:31.199 --> 01:46:32.279
<v Speaker 5>be valid, you see.

2037
01:46:32.640 --> 01:46:35.520
<v Speaker 2>So I contend it is approved and they say, well,

2038
01:46:35.520 --> 01:46:36.560
<v Speaker 2>what are your meaning disapprove?

2039
01:46:36.680 --> 01:46:39.920
<v Speaker 5>Well, you signed it and you handed the keys in

2040
01:46:40.000 --> 01:46:42.520
<v Speaker 5>the car to her. I think she can assume she

2041
01:46:42.680 --> 01:46:47.920
<v Speaker 5>was approved. And in those cases they magically found financing.

2042
01:46:49.199 --> 01:46:54.119
<v Speaker 5>Here's what I'm saying, it's a trick, and dealers.

2043
01:46:53.800 --> 01:46:58.520
<v Speaker 2>Are so stupid. I swear to god they in all

2044
01:46:58.600 --> 01:47:01.239
<v Speaker 2>of these years I've been warning them, in all of

2045
01:47:01.319 --> 01:47:02.039
<v Speaker 2>these years.

2046
01:47:01.880 --> 01:47:05.239
<v Speaker 5>Not one dealer has corrected that, because all they would

2047
01:47:05.319 --> 01:47:08.399
<v Speaker 5>have to do to make this legal and to make

2048
01:47:08.479 --> 01:47:10.920
<v Speaker 5>it binding, is to say.

2049
01:47:12.520 --> 01:47:15.399
<v Speaker 2>Dealer has agreed to arrange financing.

2050
01:47:17.159 --> 01:47:25.079
<v Speaker 5>If financing cannot be completed as specified, then the consumer

2051
01:47:25.199 --> 01:47:30.079
<v Speaker 5>either has to return the car, provide their own financing,

2052
01:47:30.239 --> 01:47:35.079
<v Speaker 5>or pay it whatever. But dealers don't say that because

2053
01:47:35.119 --> 01:47:37.359
<v Speaker 5>they know people are smart enough to look through that.

2054
01:47:37.520 --> 01:47:42.319
<v Speaker 5>So what they do is they give the illusion everything's approved.

2055
01:47:43.039 --> 01:47:46.520
<v Speaker 5>But you notice on the finance agreement it doesn't say

2056
01:47:48.239 --> 01:47:51.760
<v Speaker 5>that the dealer financer with a bank. It usually puts

2057
01:47:51.880 --> 01:47:57.680
<v Speaker 5>them down as the lender, and then they sign it

2058
01:47:58.039 --> 01:48:02.279
<v Speaker 5>because they're idiots, they're morons, and then they think you're

2059
01:48:02.399 --> 01:48:04.800
<v Speaker 5>more of an idiot and more of a moron. So

2060
01:48:05.079 --> 01:48:07.439
<v Speaker 5>they figured out, if we do this, no one's ever

2061
01:48:07.520 --> 01:48:09.039
<v Speaker 5>going to hold us to it. We're going to be

2062
01:48:09.119 --> 01:48:11.880
<v Speaker 5>able to press them for more money or whatever we need.

2063
01:48:12.800 --> 01:48:16.600
<v Speaker 5>So in your situation, Samantha, this is exactly what happened.

2064
01:48:16.640 --> 01:48:20.479
<v Speaker 5>You got the old call back after buying this truck.

2065
01:48:22.359 --> 01:48:24.000
<v Speaker 5>Did you come up with the extra money.

2066
01:48:23.840 --> 01:48:26.720
<v Speaker 2>They asked for? So?

2067
01:48:27.119 --> 01:48:30.279
<v Speaker 20>No, So they essentially what happened is on nine to nine,

2068
01:48:30.319 --> 01:48:33.039
<v Speaker 20>they tolast that they needed another five thousand. We said, okay.

2069
01:48:33.800 --> 01:48:35.560
<v Speaker 20>They told us they'll give us a call when we

2070
01:48:35.640 --> 01:48:37.880
<v Speaker 20>can go back and find the new paperwork for a

2071
01:48:37.960 --> 01:48:41.640
<v Speaker 20>new lender, because the original paperwork was signed with partner

2072
01:48:41.720 --> 01:48:43.039
<v Speaker 20>Colorado Credit Union.

2073
01:48:43.760 --> 01:48:44.520
<v Speaker 2>As the lender.

2074
01:48:44.960 --> 01:48:49.279
<v Speaker 5>So wait, that Credit Union was actually put down on

2075
01:48:49.439 --> 01:48:50.880
<v Speaker 5>your paperwork as the lender.

2076
01:48:52.840 --> 01:48:55.119
<v Speaker 2>Yes, and did they sign it?

2077
01:48:55.199 --> 01:48:55.920
<v Speaker 20>Yes, I'm scaring.

2078
01:48:56.680 --> 01:48:58.520
<v Speaker 2>Did anyone sign it on the other.

2079
01:49:01.279 --> 01:49:04.920
<v Speaker 20>Partner did not, but the but the representative at L. H.

2080
01:49:05.039 --> 01:49:05.600
<v Speaker 14>Miller did.

2081
01:49:05.800 --> 01:49:09.439
<v Speaker 5>Yes, Okay, they actually signed it on behalf of the

2082
01:49:09.560 --> 01:49:10.159
<v Speaker 5>credit Union.

2083
01:49:12.119 --> 01:49:15.640
<v Speaker 2>Yes. If they did that, then they acted. If they

2084
01:49:15.760 --> 01:49:16.399
<v Speaker 2>acted as.

2085
01:49:16.319 --> 01:49:19.319
<v Speaker 5>An agent for the finance company, they can't back out.

2086
01:49:19.439 --> 01:49:22.159
<v Speaker 5>But anyway, did they trick you into signing a new agreement?

2087
01:49:24.199 --> 01:49:24.600
<v Speaker 3>They did not.

2088
01:49:24.880 --> 01:49:28.159
<v Speaker 20>So a few days later, on the twelve, they called back.

2089
01:49:28.239 --> 01:49:30.079
<v Speaker 20>They called my husband essentially.

2090
01:49:29.840 --> 01:49:32.600
<v Speaker 13>Saying, hey, that wasn't going to work the five thousand.

2091
01:49:32.760 --> 01:49:35.439
<v Speaker 20>We need ten thousand, he tells me, and of course.

2092
01:49:35.279 --> 01:49:36.800
<v Speaker 13>This is more of his vehicle.

2093
01:49:36.920 --> 01:49:38.680
<v Speaker 20>So he's like We'll do whatever we need to do.

2094
01:49:39.239 --> 01:49:41.800
<v Speaker 20>I'm on the other hand, like, wait a second, hold on,

2095
01:49:42.399 --> 01:49:45.079
<v Speaker 20>this doesn't make sense. We have contracts, we have.

2096
01:49:45.159 --> 01:49:47.399
<v Speaker 13>A title, we have good we have it.

2097
01:49:47.479 --> 01:49:49.880
<v Speaker 2>Good for you, Good for you, Samantha.

2098
01:49:50.359 --> 01:49:54.920
<v Speaker 20>Yeah, So I ended up calling the DMV to figure

2099
01:49:54.960 --> 01:49:58.159
<v Speaker 20>out where is our registration. They submitted they have to

2100
01:49:58.199 --> 01:50:02.600
<v Speaker 20>have submitted the title the title changeover, which I found

2101
01:50:02.640 --> 01:50:05.640
<v Speaker 20>on at that point they had not. And to this day,

2102
01:50:05.800 --> 01:50:08.880
<v Speaker 20>forty five days passed the date that we've purchased a vehicle,

2103
01:50:09.279 --> 01:50:12.479
<v Speaker 20>they have still yet to actual file for the title

2104
01:50:12.600 --> 01:50:13.119
<v Speaker 20>in the register.

2105
01:50:13.199 --> 01:50:14.880
<v Speaker 5>They're going to say to go over and they're going

2106
01:50:14.960 --> 01:50:18.039
<v Speaker 5>to say it's because you haven't paid for it and

2107
01:50:18.159 --> 01:50:19.079
<v Speaker 5>you can't get the loan.

2108
01:50:19.239 --> 01:50:21.920
<v Speaker 2>Is that right? Right?

2109
01:50:22.079 --> 01:50:24.399
<v Speaker 20>And that's kind of where we're where. They're withholding now,

2110
01:50:24.439 --> 01:50:28.439
<v Speaker 20>they're withholding that. Now, they're threatening us to repoll the vehicle.

2111
01:50:28.840 --> 01:50:31.960
<v Speaker 20>They continue to run our credit this entire time. So

2112
01:50:32.239 --> 01:50:33.880
<v Speaker 20>since August seventeenth, they've been.

2113
01:50:33.840 --> 01:50:34.359
<v Speaker 14>Running our game.

2114
01:50:34.399 --> 01:50:36.880
<v Speaker 2>Now, did you fill out the down on, did you

2115
01:50:37.079 --> 01:50:38.079
<v Speaker 2>count hold on?

2116
01:50:38.239 --> 01:50:44.479
<v Speaker 5>Did you fill out the finance documents accurately? In other words,

2117
01:50:44.479 --> 01:50:46.039
<v Speaker 5>you didn't lie about income or anything?

2118
01:50:46.119 --> 01:50:46.239
<v Speaker 2>Right?

2119
01:50:48.000 --> 01:50:49.319
<v Speaker 18>No, not at all, not at all?

2120
01:50:49.720 --> 01:50:51.439
<v Speaker 2>Who are you dealing with it? Larry Miller?

2121
01:50:54.119 --> 01:50:57.720
<v Speaker 20>I was dealing with Corey and Jeff. So Corey is

2122
01:50:57.760 --> 01:51:01.600
<v Speaker 20>the sales guy and Jeff Sensor is the financing.

2123
01:51:04.239 --> 01:51:09.359
<v Speaker 2>Okay, I need his name again. The finance guy, that Sensor,

2124
01:51:09.560 --> 01:51:16.760
<v Speaker 2>Jeff Censor, Jesse, sorry, Jesse Center, Jess Jess.

2125
01:51:16.760 --> 01:51:23.159
<v Speaker 5>As in Jesse James. Yes, yes, how I propose. Okay,

2126
01:51:25.640 --> 01:51:27.840
<v Speaker 5>Now here's what I'd like to do.

2127
01:51:29.079 --> 01:51:33.399
<v Speaker 2>I'd like to call Jesse Sensor, who's going to take

2128
01:51:33.479 --> 01:51:34.880
<v Speaker 2>a doc? Are you there?

2129
01:51:36.039 --> 01:51:37.039
<v Speaker 10>I'm still here, Tom.

2130
01:51:38.359 --> 01:51:40.880
<v Speaker 2>You understand the nuance of this deal. I do.

2131
01:51:42.239 --> 01:51:46.359
<v Speaker 5>And the nuance is they financed it, they agreed, they

2132
01:51:46.520 --> 01:51:49.000
<v Speaker 5>signed it as an agent for the credit union.

2133
01:51:49.319 --> 01:51:52.239
<v Speaker 2>They can't simply back out because they didn't do their homework.

2134
01:51:52.720 --> 01:51:53.039
<v Speaker 8>They know.

2135
01:51:53.720 --> 01:51:54.640
<v Speaker 2>Don't let him know you.

2136
01:51:55.279 --> 01:51:58.279
<v Speaker 5>They know as well as anyone when they pulled the

2137
01:51:58.359 --> 01:52:02.479
<v Speaker 5>credit report and and they let that car go. They

2138
01:52:02.560 --> 01:52:05.239
<v Speaker 5>knew what they were doing. And now they're holding it up.

2139
01:52:05.720 --> 01:52:09.439
<v Speaker 5>And before we go all ape crap on them, I

2140
01:52:09.600 --> 01:52:11.760
<v Speaker 5>want to know if they're going to honor the contract

2141
01:52:12.039 --> 01:52:14.760
<v Speaker 5>as written. If not, we need to get an attorney

2142
01:52:14.760 --> 01:52:16.039
<v Speaker 5>who can take this and help.

2143
01:52:15.920 --> 01:52:18.039
<v Speaker 10>Us out because the deal is boored right.

2144
01:52:19.000 --> 01:52:20.039
<v Speaker 2>Well, that's one of the ways.

2145
01:52:21.720 --> 01:52:24.600
<v Speaker 5>Yeah, but that's not as easy as it sounds. It's

2146
01:52:24.720 --> 01:52:27.159
<v Speaker 5>one thing to do, but I want to call this

2147
01:52:27.399 --> 01:52:30.279
<v Speaker 5>Jesse sensor and basically I want to tell them that

2148
01:52:30.359 --> 01:52:32.800
<v Speaker 5>we fought this in the past and already won that.

2149
01:52:32.920 --> 01:52:36.039
<v Speaker 5>When the dealer fills out financing papers and signs as

2150
01:52:36.079 --> 01:52:40.600
<v Speaker 5>an agent of the finance company and hands the key

2151
01:52:40.960 --> 01:52:43.720
<v Speaker 5>and hands the keys and everything over, they've sold this car,

2152
01:52:44.399 --> 01:52:48.000
<v Speaker 5>and Samantha, I don't know how they're going to get

2153
01:52:48.039 --> 01:52:48.600
<v Speaker 5>out of this one.

2154
01:52:48.680 --> 01:52:52.960
<v Speaker 2>I'd like to see your deal paperwork, though. Do you

2155
01:52:53.079 --> 01:52:53.760
<v Speaker 2>have it totally?

2156
01:52:53.920 --> 01:52:56.279
<v Speaker 13>I mean, I, oh, yeah, I have it right in

2157
01:52:56.399 --> 01:52:58.399
<v Speaker 13>front of me right now, ain't it to be honest?

2158
01:52:58.520 --> 01:53:01.720
<v Speaker 20>I also, I did speak to attorney already. They're the

2159
01:53:01.760 --> 01:53:04.239
<v Speaker 20>reason why I called you is because they suggested I

2160
01:53:04.319 --> 01:53:07.319
<v Speaker 20>call you number one, but also number two. I've also

2161
01:53:07.399 --> 01:53:09.640
<v Speaker 20>made a report with the Department of Revenue in Auto

2162
01:53:09.760 --> 01:53:13.079
<v Speaker 20>industry about this, so there's also a taste going with

2163
01:53:13.199 --> 01:53:13.640
<v Speaker 20>that as well.

2164
01:53:14.079 --> 01:53:17.079
<v Speaker 2>Did did the attorney? Didn't the attorney agree with what

2165
01:53:17.199 --> 01:53:19.279
<v Speaker 2>I said? I mean, what did the attorney advise you

2166
01:53:19.399 --> 01:53:19.920
<v Speaker 2>at all? Or not?

2167
01:53:22.359 --> 01:53:25.800
<v Speaker 20>She did give me advice, She honestly told me to

2168
01:53:25.960 --> 01:53:28.079
<v Speaker 20>reach out to you, reach out the Department of Revenue,

2169
01:53:28.960 --> 01:53:31.359
<v Speaker 20>see what we can get done, and then obviously if

2170
01:53:31.399 --> 01:53:32.680
<v Speaker 20>they push back, then.

2171
01:53:32.960 --> 01:53:35.680
<v Speaker 5>Many of my callers come from attorneys. Many of my

2172
01:53:35.800 --> 01:53:39.880
<v Speaker 5>callers come from attorneys who say, call Tom and then

2173
01:53:39.960 --> 01:53:41.760
<v Speaker 5>that's a good thing by the way we work together.

2174
01:53:42.239 --> 01:53:47.560
<v Speaker 10>Hey, did you make any payments on the monthly payments

2175
01:53:47.600 --> 01:53:47.800
<v Speaker 10>for the.

2176
01:53:47.840 --> 01:53:48.600
<v Speaker 7>Car on the loan?

2177
01:53:50.680 --> 01:53:50.720
<v Speaker 20>So?

2178
01:53:50.920 --> 01:53:51.439
<v Speaker 3>Not yet?

2179
01:53:51.600 --> 01:53:55.000
<v Speaker 20>So our first payment is due October first, I ask.

2180
01:53:55.079 --> 01:53:57.600
<v Speaker 2>And when it's due, you pay it to the credit union.

2181
01:53:58.039 --> 01:54:00.239
<v Speaker 2>We ought to call the credit union to us a

2182
01:54:00.319 --> 01:54:01.159
<v Speaker 2>credit union.

2183
01:54:02.840 --> 01:54:06.199
<v Speaker 20>It's principle. On the paperwork, it's I'm sorry, it's it's

2184
01:54:06.520 --> 01:54:09.279
<v Speaker 20>hold one second and grab it, grab it on the

2185
01:54:09.560 --> 01:54:16.800
<v Speaker 20>tablework they financed through partner Colorado Credit Union, credit Union Partner.

2186
01:54:17.720 --> 01:54:21.239
<v Speaker 2>Okay, we all to want to call them too, Doc.

2187
01:54:23.000 --> 01:54:24.199
<v Speaker 2>I want to get our attorney on.

2188
01:54:24.439 --> 01:54:25.279
<v Speaker 20>We did call.

2189
01:54:26.880 --> 01:54:27.800
<v Speaker 2>And what did they say?

2190
01:54:28.000 --> 01:54:30.600
<v Speaker 20>I did call Eli J. Miller. I did call LH.

2191
01:54:30.680 --> 01:54:32.680
<v Speaker 20>Miller to see about where I'm supposed to be making

2192
01:54:32.720 --> 01:54:36.079
<v Speaker 20>this payment because you know, obviously, like I, we're going

2193
01:54:36.119 --> 01:54:38.319
<v Speaker 20>to follow through this this contract we're making me.

2194
01:54:38.560 --> 01:54:41.479
<v Speaker 2>Samantha, You're not, Samantha, I'm not kidding you. I'm not.

2195
01:54:41.560 --> 01:54:41.840
<v Speaker 2>I'm not.

2196
01:54:42.199 --> 01:54:44.960
<v Speaker 5>I'm not stroking you here. You're you're very smart. You

2197
01:54:45.039 --> 01:54:47.560
<v Speaker 5>didn't cave like your husband wanted to. You know, you

2198
01:54:47.680 --> 01:54:51.119
<v Speaker 5>have to make payments and and I'm impressed.

2199
01:54:51.399 --> 01:54:52.600
<v Speaker 2>What do you do for a What do you do

2200
01:54:52.720 --> 01:54:53.199
<v Speaker 2>for a living?

2201
01:54:53.359 --> 01:54:57.159
<v Speaker 20>Yes, yes, I actually a veterinary nurse, but I have

2202
01:54:57.359 --> 01:54:59.800
<v Speaker 20>a I am a veterinary nurse that I do have

2203
01:55:00.079 --> 01:55:02.000
<v Speaker 20>a degree in business.

2204
01:55:01.720 --> 01:55:03.479
<v Speaker 14>So I know that this is a business contract.

2205
01:55:03.520 --> 01:55:06.600
<v Speaker 2>This is contract, and they signed it.

2206
01:55:08.359 --> 01:55:10.560
<v Speaker 20>And signed it.

2207
01:55:13.000 --> 01:55:15.880
<v Speaker 2>Oh, there's such morons. I can't wait to hold it now. Now.

2208
01:55:16.079 --> 01:55:19.640
<v Speaker 5>Kachina, who was that attorney we had in with the

2209
01:55:19.960 --> 01:55:21.960
<v Speaker 5>car deal that helped us with the last card deal.

2210
01:55:22.039 --> 01:55:22.800
<v Speaker 5>She's really good.

2211
01:55:23.399 --> 01:55:27.960
<v Speaker 2>In fact, she referred him to us. Yeah, I want

2212
01:55:28.000 --> 01:55:33.399
<v Speaker 2>to get Rena okay, good, good, you talked. You talked

2213
01:55:33.439 --> 01:55:34.560
<v Speaker 2>to Reina. Good.

2214
01:55:35.720 --> 01:55:37.960
<v Speaker 5>Then I want to get her opinion on it. Anyway,

2215
01:55:37.960 --> 01:55:39.760
<v Speaker 5>if we can get Raina on the air, I want to.

2216
01:55:40.039 --> 01:55:41.520
<v Speaker 5>I want to get her opinion on this and the

2217
01:55:41.600 --> 01:55:44.600
<v Speaker 5>old dealer callbacks in general. Samantha, I'm going to let

2218
01:55:44.640 --> 01:55:48.760
<v Speaker 5>Deputy Doc make some calls on this and we're gonna

2219
01:55:48.800 --> 01:55:49.840
<v Speaker 5>shake this thing loose.

2220
01:55:50.119 --> 01:55:52.279
<v Speaker 9>Okay for them too, I'd make the payment in person.

2221
01:55:52.359 --> 01:55:53.119
<v Speaker 9>I wouldn't mail it.

2222
01:55:53.520 --> 01:55:55.760
<v Speaker 5>No, I'd go there and make a payment and i'd

2223
01:55:55.840 --> 01:56:03.479
<v Speaker 5>film it if they refuse it. Samantha, listen, Uh, you're

2224
01:56:03.560 --> 01:56:06.399
<v Speaker 5>doing it. I think you're right, and I think I

2225
01:56:06.520 --> 01:56:11.479
<v Speaker 5>mean from everything you're telling me us. Do me a favor, though, Kelly,

2226
01:56:11.640 --> 01:56:13.840
<v Speaker 5>have her email me the or email to you and

2227
01:56:13.920 --> 01:56:18.600
<v Speaker 5>then to me to the the contracts, specifically the finance contract.

2228
01:56:19.279 --> 01:56:23.800
<v Speaker 2>You got a truth and lending statement and everything. Right? Oh? Yeah,

2229
01:56:24.079 --> 01:56:27.960
<v Speaker 2>absolutely see, and they're done. They're trying to get out

2230
01:56:28.000 --> 01:56:30.199
<v Speaker 2>of it. Go ahead, go ahead to maitre.

2231
01:56:30.520 --> 01:56:31.359
<v Speaker 10>Go ahead, Samantha.

2232
01:56:31.720 --> 01:56:34.279
<v Speaker 22>Did you say that they continue to pull your credit

2233
01:56:34.399 --> 01:56:38.319
<v Speaker 22>reports ongoing basis and that your credit score went down

2234
01:56:38.359 --> 01:56:39.039
<v Speaker 22>one hundred points?

2235
01:56:40.960 --> 01:56:41.119
<v Speaker 8>Yes?

2236
01:56:41.720 --> 01:56:44.880
<v Speaker 2>Why are they continually? Why are they doing? Why are

2237
01:56:44.920 --> 01:56:45.840
<v Speaker 2>they pulling your credit?

2238
01:56:47.640 --> 01:56:50.760
<v Speaker 20>I have no idea, And when I ask them, they honestly,

2239
01:56:51.359 --> 01:56:53.760
<v Speaker 20>every time I from this point, every time I've called them,

2240
01:56:53.760 --> 01:56:56.479
<v Speaker 20>they just hung up on me. At this point, I

2241
01:56:56.640 --> 01:56:59.119
<v Speaker 20>don't know why they continue to pour.

2242
01:57:00.079 --> 01:57:00.439
<v Speaker 10>Samantha.

2243
01:57:02.039 --> 01:57:03.479
<v Speaker 2>We got to take a break hold on. We'll come

2244
01:57:03.600 --> 01:57:04.039
<v Speaker 2>right back to you.

2245
01:57:04.159 --> 01:57:06.640
<v Speaker 5>Hang on three oh three seven one three talk seven

2246
01:57:06.680 --> 01:57:08.920
<v Speaker 5>one three eight two five five one clear choice, garage

2247
01:57:08.960 --> 01:57:10.520
<v Speaker 5>doors the best garage door company.

2248
01:57:11.119 --> 01:57:13.479
<v Speaker 2>They have all of their prices on their website.

2249
01:57:13.560 --> 01:57:15.960
<v Speaker 5>Now the name of the company is one Clear Choice

2250
01:57:16.079 --> 01:57:20.720
<v Speaker 5>Garage Doors, but the website is one Clear Choice doors

2251
01:57:21.600 --> 01:57:24.680
<v Speaker 5>dot com. All of their prices for everything they do.

2252
01:57:24.800 --> 01:57:28.039
<v Speaker 5>They have great openers, the new sidewinders, they have time

2253
01:57:28.119 --> 01:57:31.840
<v Speaker 5>to close features, battery backups, Wi Fi features. They have

2254
01:57:31.960 --> 01:57:35.039
<v Speaker 5>the best and they also have garage doors. And it's

2255
01:57:35.159 --> 01:57:43.880
<v Speaker 5>called one clear Choice. Doores dot com. Go with a

2256
01:57:44.000 --> 01:57:47.479
<v Speaker 5>sure thing Denver's best roofer Excel Roofing dot com. You

2257
01:57:47.560 --> 01:57:53.319
<v Speaker 5>don't pay a cent until you're content. Time for an

2258
01:57:53.359 --> 01:57:57.560
<v Speaker 5>insurance check up, free no obligation comparison call Compass Insurance

2259
01:57:57.760 --> 01:58:00.760
<v Speaker 5>Paying too much your coverage at dozens of insurance companies

2260
01:58:00.840 --> 01:58:03.399
<v Speaker 5>find out now three all three seven seven to one help.

2261
01:58:03.600 --> 01:58:06.239
<v Speaker 5>You'll think you're his only customer when you choose Frank

2262
01:58:06.319 --> 01:58:08.720
<v Speaker 5>durand the real estate Man dot com to list your

2263
01:58:08.800 --> 01:58:11.880
<v Speaker 5>home with Remax Alliance three all three nine two zero

2264
01:58:12.039 --> 01:58:22.520
<v Speaker 5>sixteen twenty two. Hi Tom Martine, your troubleshooter three O

2265
01:58:22.680 --> 01:58:24.720
<v Speaker 5>three seven one three talk Samantha.

2266
01:58:27.039 --> 01:58:29.359
<v Speaker 2>You know why are they pulling your credit so much?

2267
01:58:29.520 --> 01:58:31.439
<v Speaker 2>That's the that's the thing we left off with.

2268
01:58:32.319 --> 01:58:35.359
<v Speaker 5>When you have an ongoing business relationship with a company,

2269
01:58:35.399 --> 01:58:36.800
<v Speaker 5>they're allowed to pull updates.

2270
01:58:36.880 --> 01:58:39.520
<v Speaker 2>But it seems like, why are they doing it so often?

2271
01:58:42.000 --> 01:58:45.439
<v Speaker 20>Right that I have no idea I know from since

2272
01:58:45.600 --> 01:58:51.199
<v Speaker 20>August seventeenth, I have fifty two hard inquiries that are

2273
01:58:51.279 --> 01:58:53.039
<v Speaker 20>all sourcing from Eli Smiller.

2274
01:58:52.800 --> 01:58:55.520
<v Speaker 5>At this point, I think they're doing it as a

2275
01:58:55.680 --> 01:58:56.520
<v Speaker 5>punitive thing.

2276
01:58:56.960 --> 01:58:59.159
<v Speaker 2>That's what it sounds like to me. Wow.

2277
01:59:00.479 --> 01:59:02.640
<v Speaker 20>Yeah, I mean that's how it feels. I mean, to

2278
01:59:02.760 --> 01:59:04.760
<v Speaker 20>be honest, like me and my husband were even in

2279
01:59:04.800 --> 01:59:07.119
<v Speaker 20>the middle of moving right now, and it's getting so

2280
01:59:07.399 --> 01:59:10.840
<v Speaker 20>bad as far as our credit goes that, like we're

2281
01:59:10.840 --> 01:59:14.880
<v Speaker 20>having difficulty getting our electricity turned on because of how

2282
01:59:15.000 --> 01:59:18.039
<v Speaker 20>often they've been running our credit. My husband's credit went.

2283
01:59:17.960 --> 01:59:20.720
<v Speaker 5>From Okay, I hope doc, I hope you're hearing this.

2284
01:59:21.239 --> 01:59:23.960
<v Speaker 5>This We can also add to this slander of credit.

2285
01:59:26.199 --> 01:59:28.720
<v Speaker 5>Did they give you a reason why they wanted an

2286
01:59:28.760 --> 01:59:30.479
<v Speaker 5>extra five or ten grand down?

2287
01:59:32.920 --> 01:59:32.960
<v Speaker 8>No?

2288
01:59:33.479 --> 01:59:35.319
<v Speaker 20>No, it was they just said as a down payment.

2289
01:59:35.439 --> 01:59:38.000
<v Speaker 20>There there wasn't like any But when.

2290
01:59:37.880 --> 01:59:40.439
<v Speaker 2>You first went in there, they never when you first

2291
01:59:40.520 --> 01:59:42.439
<v Speaker 2>went in there, they never mentioned it, did they?

2292
01:59:44.640 --> 01:59:47.119
<v Speaker 20>No, No, we paid two thousand down, Like that's what

2293
01:59:47.239 --> 01:59:49.520
<v Speaker 20>we left when we put the first purchase the vehicle.

2294
01:59:49.880 --> 01:59:52.199
<v Speaker 2>And they never said we may need to get more money.

2295
01:59:54.359 --> 02:00:00.800
<v Speaker 5>No, never, God, oh man I today has been a

2296
02:00:00.920 --> 02:00:04.640
<v Speaker 5>day of just frustration for me on how people are

2297
02:00:04.920 --> 02:00:08.840
<v Speaker 5>still getting ripped off each and every.

2298
02:00:08.680 --> 02:00:13.319
<v Speaker 2>Day, each and every day. This phenomenon with the dealer

2299
02:00:13.439 --> 02:00:14.920
<v Speaker 2>callback is crazy.

2300
02:00:15.159 --> 02:00:18.319
<v Speaker 5>It is absolutely crazy the way they try to get

2301
02:00:18.359 --> 02:00:23.680
<v Speaker 5>away with this. Well, okay, Samantha, I appreciate you calling.

2302
02:00:23.800 --> 02:00:26.479
<v Speaker 5>Hang on and make sure Doc has everything he needs,

2303
02:00:26.960 --> 02:00:29.439
<v Speaker 5>and then we're going to get that attorney Raina back

2304
02:00:29.520 --> 02:00:32.760
<v Speaker 5>on and we're going to ask her her opinion on

2305
02:00:33.920 --> 02:00:38.960
<v Speaker 5>enforcing these contracts because they are just ridiculous. Thank you,

2306
02:00:39.079 --> 02:00:41.119
<v Speaker 5>three all three seven to one three talk. Feel free

2307
02:00:41.159 --> 02:00:43.359
<v Speaker 5>to call people three all three seven one three eight

2308
02:00:43.399 --> 02:00:44.239
<v Speaker 5>two five five.

2309
02:00:45.159 --> 02:00:47.560
<v Speaker 2>Okay, now there was another one.

2310
02:00:48.439 --> 02:00:52.319
<v Speaker 5>Larry Miller did the same thing to me, says someone

2311
02:00:52.399 --> 02:00:55.560
<v Speaker 5>who wrote to me by text. In fact, I got

2312
02:00:55.600 --> 02:00:58.479
<v Speaker 5>a few of those that Larry Miller did the same thing.

2313
02:00:58.720 --> 02:01:02.079
<v Speaker 5>So it seems to be mhmm. One of the things

2314
02:01:02.159 --> 02:01:04.800
<v Speaker 5>they do they released the car and then call you

2315
02:01:04.960 --> 02:01:06.560
<v Speaker 5>back and try to get more money out of you.

2316
02:01:07.920 --> 02:01:11.079
<v Speaker 2>We're going to put a stop to that. Welcome to

2317
02:01:11.159 --> 02:01:13.119
<v Speaker 2>the real world, Larry H. Miller.

2318
02:01:14.640 --> 02:01:19.840
<v Speaker 5>Also, we never got an update on that Phil Long

2319
02:01:19.960 --> 02:01:20.640
<v Speaker 5>thing in.

2320
02:01:23.239 --> 02:01:25.560
<v Speaker 2>Last year? Last week? Was it was it last ye?

2321
02:01:25.720 --> 02:01:26.039
<v Speaker 9>Last week?

2322
02:01:26.039 --> 02:01:28.119
<v Speaker 2>A couple of weeks ago, Yeah, it was last week.

2323
02:01:28.239 --> 02:01:32.840
<v Speaker 5>It was that man that bought that Mercedes, A dying

2324
02:01:33.000 --> 02:01:37.479
<v Speaker 5>patient who bought the Mercedes, and Raina the attorney referred

2325
02:01:37.520 --> 02:01:39.680
<v Speaker 5>him to us and she came on the show with him.

2326
02:01:40.960 --> 02:01:45.239
<v Speaker 5>What a terrible abuse from Phil Long, and they said

2327
02:01:45.239 --> 02:01:46.279
<v Speaker 5>they were going to take care of it.

2328
02:01:46.399 --> 02:01:49.279
<v Speaker 2>We have not heard. I'd like to also get an

2329
02:01:49.319 --> 02:01:53.199
<v Speaker 2>update on that case now. Of course, if there was.

2330
02:01:53.279 --> 02:01:57.479
<v Speaker 5>A settlement, it could be that they signed a non disclosure,

2331
02:01:58.600 --> 02:01:59.840
<v Speaker 5>not me, but they did.

2332
02:02:01.119 --> 02:02:03.479
<v Speaker 2>And so here's what here's what we know.

2333
02:02:06.159 --> 02:02:09.239
<v Speaker 5>We know that the guy wanted to buy a Mercedes

2334
02:02:10.439 --> 02:02:13.840
<v Speaker 5>to go out to California to see the sunset for

2335
02:02:13.960 --> 02:02:15.760
<v Speaker 5>the last time, one on his bucket list, and he

2336
02:02:15.880 --> 02:02:18.720
<v Speaker 5>has terminal cancer and he was.

2337
02:02:21.079 --> 02:02:22.399
<v Speaker 2>He was I call a victim.

2338
02:02:22.439 --> 02:02:24.680
<v Speaker 5>He bought a Mercedes from these guys and traded in

2339
02:02:24.800 --> 02:02:27.680
<v Speaker 5>his car, made a terrible deal, but then wanted to

2340
02:02:27.760 --> 02:02:28.840
<v Speaker 5>take the Mercedes back.

2341
02:02:28.880 --> 02:02:31.760
<v Speaker 2>He decided not to go to California. He was too

2342
02:02:31.880 --> 02:02:34.640
<v Speaker 2>sick and he realized he had bit off more than

2343
02:02:34.680 --> 02:02:39.960
<v Speaker 2>he could chew. And when he went back, they sold

2344
02:02:40.039 --> 02:02:43.960
<v Speaker 2>him his old car back and took the Mercedes back.

2345
02:02:44.479 --> 02:02:47.560
<v Speaker 5>And he ended up with like a thirty thousand dollars

2346
02:02:47.640 --> 02:02:50.800
<v Speaker 5>loan on his own car, plus a maintenance agreement and

2347
02:02:50.960 --> 02:02:52.600
<v Speaker 5>the whole the bottom line is.

2348
02:02:54.159 --> 02:03:02.640
<v Speaker 2>The whole thing turned out at it. Let's see what happened.

2349
02:03:03.159 --> 02:03:06.079
<v Speaker 2>It turned out that it was like cash too. Yeah.

2350
02:03:06.159 --> 02:03:07.600
<v Speaker 2>Plus yeah, he was out cash.

2351
02:03:08.000 --> 02:03:10.760
<v Speaker 5>He was out like thirty grand from dealing with them

2352
02:03:11.279 --> 02:03:14.800
<v Speaker 5>for like a week. It was the worst, one of

2353
02:03:14.840 --> 02:03:21.319
<v Speaker 5>the worst deals I have ever seen. And Raina the

2354
02:03:21.479 --> 02:03:24.880
<v Speaker 5>attorney took care of that one. And I was trying

2355
02:03:24.960 --> 02:03:28.880
<v Speaker 5>to find the original call here because I want to

2356
02:03:28.920 --> 02:03:32.640
<v Speaker 5>find out what happened to it. That's the problem, that's

2357
02:03:32.680 --> 02:03:36.279
<v Speaker 5>the one that's bothering me right now, is I don't

2358
02:03:36.520 --> 02:03:40.720
<v Speaker 5>have Let's see, I'm looking for it. I don't have

2359
02:03:41.039 --> 02:03:44.399
<v Speaker 5>the original call rate in front of me. But I

2360
02:03:44.479 --> 02:03:46.199
<v Speaker 5>want to make sure they said they were going to

2361
02:03:46.239 --> 02:03:49.279
<v Speaker 5>take care of it. Sometimes companies say that to get

2362
02:03:49.359 --> 02:03:50.239
<v Speaker 5>us off their back.

2363
02:03:50.640 --> 02:03:54.560
<v Speaker 2>Here it is here, it is, I got the notes here.

2364
02:03:55.199 --> 02:03:58.520
<v Speaker 2>A dying client wan to buy. He went to Colorado

2365
02:03:58.600 --> 02:04:05.439
<v Speaker 2>Springs Mercedes Benz Phill Long and he put five. Look

2366
02:04:05.479 --> 02:04:06.439
<v Speaker 2>at bottom line is.

2367
02:04:08.720 --> 02:04:11.920
<v Speaker 5>This man was out a ton of money from dealing

2368
02:04:12.119 --> 02:04:17.239
<v Speaker 5>with Phil Long, and it was the most ugly deal

2369
02:04:17.319 --> 02:04:20.079
<v Speaker 5>you ever want to see. Now, this one with Miller

2370
02:04:20.520 --> 02:04:22.840
<v Speaker 5>is not so ugly. It's just par for the course.

2371
02:04:23.439 --> 02:04:23.960
<v Speaker 2>Larry H.

2372
02:04:24.119 --> 02:04:28.079
<v Speaker 5>Miller, these are people that, in my opinion, you don't

2373
02:04:28.079 --> 02:04:29.560
<v Speaker 5>want to deal with. You don't want to deal with

2374
02:04:29.680 --> 02:04:32.439
<v Speaker 5>Phil Long, you don't want to deal with Larry Miller.

2375
02:04:32.720 --> 02:04:35.399
<v Speaker 5>These are just this is just my opinion based on

2376
02:04:35.840 --> 02:04:37.600
<v Speaker 5>the experience we've had on the show.

2377
02:04:38.720 --> 02:04:42.159
<v Speaker 2>Okay, coming back, we're going to talk about this bank deal.

2378
02:04:43.119 --> 02:04:48.880
<v Speaker 5>Okay, banks are closing people's account putting them under so

2379
02:04:49.119 --> 02:04:53.479
<v Speaker 5>called investigation for fraud as an excuse to.

2380
02:04:53.600 --> 02:04:57.079
<v Speaker 2>Keep their money. We'll talk about that and more coming up.

2381
02:05:02.479 --> 02:05:05.720
<v Speaker 5>Go with a sure thing Denver's Best roofer Excel roofing

2382
02:05:05.840 --> 02:05:08.479
<v Speaker 5>dot Com. You don't pay a cent until you're content.

2383
02:05:11.840 --> 02:05:15.000
<v Speaker 5>Time for an insurance check up free no obligation comparison

2384
02:05:15.159 --> 02:05:18.720
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

2385
02:05:18.760 --> 02:05:21.479
<v Speaker 5>of insurance companies find out now three all three, seven

2386
02:05:21.600 --> 02:05:24.359
<v Speaker 5>seven to one help. You'll think you're his only customer

2387
02:05:24.439 --> 02:05:26.600
<v Speaker 5>when you choose Frank durand the real estate man dot

2388
02:05:26.720 --> 02:05:30.000
<v Speaker 5>com to list your home with Remax Alliance three all

2389
02:05:30.079 --> 02:05:40.479
<v Speaker 5>three nine two zero sixteen twenty two. Yeah, Hi Tom Martino,

2390
02:05:41.680 --> 02:05:44.880
<v Speaker 5>your troubleshooter. Three oh three seven one three talk seven

2391
02:05:44.920 --> 02:05:50.760
<v Speaker 5>one three eight two five five All right, now, Tom,

2392
02:05:50.800 --> 02:05:53.439
<v Speaker 5>I believe a car dealership continue to pull her credit

2393
02:05:53.840 --> 02:05:57.000
<v Speaker 5>so her score would drop dramatically, so they can say

2394
02:05:57.079 --> 02:05:58.920
<v Speaker 5>her credit is much weaker.

2395
02:05:59.359 --> 02:06:01.159
<v Speaker 2>And that's why they need to get the car back.

2396
02:06:02.359 --> 02:06:04.880
<v Speaker 2>Do you think? And Dimitri, you said they are probably

2397
02:06:04.960 --> 02:06:06.560
<v Speaker 2>doing that too, being scumbags.

2398
02:06:06.600 --> 02:06:08.920
<v Speaker 5>They're just doing it on purpose. All right, So let's

2399
02:06:08.960 --> 02:06:11.039
<v Speaker 5>go back to that other problem you were working on.

2400
02:06:11.319 --> 02:06:11.760
<v Speaker 9>US Bank.

2401
02:06:12.159 --> 02:06:15.319
<v Speaker 5>Yeah, this guy calls in and we've had a few

2402
02:06:15.399 --> 02:06:17.880
<v Speaker 5>calls like this. This is not the only one where

2403
02:06:17.960 --> 02:06:22.159
<v Speaker 5>he is being debanked. They closed his account on supposedly

2404
02:06:22.439 --> 02:06:27.760
<v Speaker 5>fraud They say, oh yeah, there's fraudulent activity. Now, mind you,

2405
02:06:27.880 --> 02:06:30.439
<v Speaker 5>they never tell you what the fraudulent activity is. Ever,

2406
02:06:30.920 --> 02:06:34.880
<v Speaker 5>They never tell you. They simply freeze your account, close

2407
02:06:34.960 --> 02:06:38.880
<v Speaker 5>your account, and keep your money. Well, that crap's not

2408
02:06:39.000 --> 02:06:43.399
<v Speaker 5>going to work, I mean, okay, So what happened?

2409
02:06:44.079 --> 02:06:46.840
<v Speaker 22>Well, I spoke with Isaac over at the US Bank

2410
02:06:46.920 --> 02:06:49.520
<v Speaker 22>branch in Long Mind, and he said that, well, he

2411
02:06:49.640 --> 02:06:52.560
<v Speaker 22>cannot address this issue with me because I'm not the

2412
02:06:52.600 --> 02:06:56.399
<v Speaker 22>account holder. He promised to immediately call Paul the consumer

2413
02:06:56.439 --> 02:06:58.600
<v Speaker 22>and explain to him where his twelve hundred dollars are.

2414
02:06:59.159 --> 02:07:01.319
<v Speaker 22>I followed up with Paul just a few minutes ago.

2415
02:07:01.920 --> 02:07:04.840
<v Speaker 22>He hasn't heard from Isaac yet. So I called the

2416
02:07:04.880 --> 02:07:07.720
<v Speaker 22>branch again and I spoke with a lady named Chelsea,

2417
02:07:08.119 --> 02:07:10.520
<v Speaker 22>who said that Isaac is on the phone, and she

2418
02:07:10.680 --> 02:07:13.239
<v Speaker 22>took down my name and phone number, and she told

2419
02:07:13.279 --> 02:07:15.199
<v Speaker 22>me that she'll ask him to call me. So I'll

2420
02:07:15.279 --> 02:07:16.760
<v Speaker 22>keep working on this over the way sarement.

2421
02:07:17.039 --> 02:07:19.039
<v Speaker 2>So he didn't call this consumer yet.

2422
02:07:19.319 --> 02:07:22.479
<v Speaker 22>He did call the consumer. The consumer wasn't able to

2423
02:07:22.520 --> 02:07:23.479
<v Speaker 22>answer the phone.

2424
02:07:23.239 --> 02:07:26.600
<v Speaker 5>Okay, So he did call Okay, all right, So he

2425
02:07:26.760 --> 02:07:29.600
<v Speaker 5>wasn't lying about that they got to get his money back.

2426
02:07:30.760 --> 02:07:35.760
<v Speaker 2>Has anyone listening right now been debanked? You? Have your

2427
02:07:35.840 --> 02:07:41.159
<v Speaker 2>accounts been closed? Yet? Again, it's mostly political, but I've

2428
02:07:41.279 --> 02:07:44.600
<v Speaker 2>been hearing randomly from people here and there that for

2429
02:07:44.760 --> 02:07:51.640
<v Speaker 2>some reason their accounts have been closed, and then they

2430
02:07:51.760 --> 02:07:52.399
<v Speaker 2>keep the money.

2431
02:07:52.520 --> 02:07:55.479
<v Speaker 5>They make you fight to the nail for the money.

2432
02:07:56.199 --> 02:07:59.840
<v Speaker 5>They say it's under investigation. You know, it's really funny.

2433
02:08:01.039 --> 02:08:02.560
<v Speaker 5>What are they going to do with the money even

2434
02:08:02.600 --> 02:08:04.760
<v Speaker 5>if they found out it was fraud? Why do they

2435
02:08:04.840 --> 02:08:05.399
<v Speaker 5>get to keep it?

2436
02:08:05.800 --> 02:08:06.199
<v Speaker 9>Exactly?

2437
02:08:07.399 --> 02:08:10.399
<v Speaker 5>I mean, really, who died and put them in charge

2438
02:08:10.800 --> 02:08:12.039
<v Speaker 5>of fraudulent funds?

2439
02:08:12.199 --> 02:08:14.680
<v Speaker 16>Do you think it's some small print hidden in the

2440
02:08:14.760 --> 02:08:18.079
<v Speaker 16>Patriot Act that nobody knows about.

2441
02:08:21.520 --> 02:08:25.319
<v Speaker 2>That they close conservative organization's bank accounts.

2442
02:08:25.479 --> 02:08:27.199
<v Speaker 10>Well, that they can close back down.

2443
02:08:27.399 --> 02:08:30.960
<v Speaker 2>That don't hold up the narrative of Biden and whatever

2444
02:08:31.439 --> 02:08:35.760
<v Speaker 2>Democratic Party? Yeah, no, I don't. Look.

2445
02:08:36.399 --> 02:08:40.039
<v Speaker 5>I know that there are some homeland security things when

2446
02:08:40.079 --> 02:08:42.000
<v Speaker 5>it has to do with cash transactions and.

2447
02:08:42.000 --> 02:08:45.159
<v Speaker 2>All of that. I've never heard anything at all about

2448
02:08:46.960 --> 02:08:52.359
<v Speaker 2>closing accounts and keeping money just because Kevin, we got

2449
02:08:52.399 --> 02:08:53.279
<v Speaker 2>a car thing here.

2450
02:08:54.720 --> 02:08:59.520
<v Speaker 5>Is it possible to alter your car to put a

2451
02:08:59.600 --> 02:09:03.640
<v Speaker 5>dipstick in where there is none on the transmission or

2452
02:09:03.720 --> 02:09:06.880
<v Speaker 5>the engine oil. I think it wouldn't be impossible. It'd

2453
02:09:06.920 --> 02:09:09.119
<v Speaker 5>be a pain, it'd probably void any warrant you ever

2454
02:09:09.199 --> 02:09:10.079
<v Speaker 5>had in a world.

2455
02:09:10.159 --> 02:09:12.640
<v Speaker 9>But yeah, I mean if money is no obji, yeah,

2456
02:09:12.640 --> 02:09:13.279
<v Speaker 9>of course, But I.

2457
02:09:13.319 --> 02:09:15.800
<v Speaker 5>Mean it wouldn't be hard, not really, even like in

2458
02:09:15.960 --> 02:09:18.479
<v Speaker 5>the fill tube itself, well.

2459
02:09:18.319 --> 02:09:20.439
<v Speaker 9>The fil tube is actually a plug on top it's

2460
02:09:20.479 --> 02:09:22.399
<v Speaker 9>not even a tube anymore. I mean it's it's a

2461
02:09:22.439 --> 02:09:24.239
<v Speaker 9>plastic plug you have to remove.

2462
02:09:24.000 --> 02:09:26.079
<v Speaker 5>To and then there's a hole a hole. Yeah, but

2463
02:09:26.119 --> 02:09:29.239
<v Speaker 5>where's that hole going. Oh, there's no way to check

2464
02:09:29.319 --> 02:09:31.560
<v Speaker 5>the level because it doesn't go down into the.

2465
02:09:31.840 --> 02:09:33.439
<v Speaker 9>Pain, doesn't go to the pan. It goes to the

2466
02:09:33.479 --> 02:09:34.279
<v Speaker 9>top of the tree.

2467
02:09:34.199 --> 02:09:37.840
<v Speaker 2>Because that that dipstick is like a tunnel exactly. The well.

2468
02:09:37.920 --> 02:09:39.279
<v Speaker 2>You can't retro one of those.

2469
02:09:39.399 --> 02:09:42.760
<v Speaker 9>Damn things may be very difficult. I mean, is it possible, yeah,

2470
02:09:42.960 --> 02:09:48.119
<v Speaker 9>practical No, gosh, dang it. Sealed unit. That's what they want.

2471
02:09:48.159 --> 02:09:50.640
<v Speaker 9>They don't want you playing with it. Run it out

2472
02:09:50.680 --> 02:09:52.239
<v Speaker 9>of fluid, burn it up and go get a new car.

2473
02:09:54.319 --> 02:09:58.039
<v Speaker 5>You know, people, do you understand what he's saying that essentially,

2474
02:09:58.640 --> 02:10:02.199
<v Speaker 5>they don't want you changing transmission fluid once you buy

2475
02:10:02.239 --> 02:10:02.520
<v Speaker 5>a car.

2476
02:10:03.880 --> 02:10:06.079
<v Speaker 9>You can't even take a condition of the fluid without

2477
02:10:06.159 --> 02:10:06.600
<v Speaker 9>draining it.

2478
02:10:07.479 --> 02:10:10.600
<v Speaker 2>And they they have the nerve to call it lifetime fluid.

2479
02:10:10.680 --> 02:10:13.239
<v Speaker 9>Yep, lifetime anti freeze, lifetime fluid.

2480
02:10:13.920 --> 02:10:16.079
<v Speaker 2>Wait, not lifetime anti Yeah.

2481
02:10:15.960 --> 02:10:20.079
<v Speaker 9>They've some of the fills. They're considered lifetime, which is nonsense.

2482
02:10:20.439 --> 02:10:23.600
<v Speaker 9>Wait wait wait wait wait, Yeah, there's thousand mile.

2483
02:10:23.680 --> 02:10:27.439
<v Speaker 2>But what about the expansion tank, Like do you still

2484
02:10:27.520 --> 02:10:28.680
<v Speaker 2>have that that coolant?

2485
02:10:28.920 --> 02:10:31.439
<v Speaker 9>You have basically the same coolant. But they're saying you

2486
02:10:31.479 --> 02:10:33.279
<v Speaker 9>don't have to worry about changing your fluid for a

2487
02:10:33.319 --> 02:10:34.119
<v Speaker 9>hundred thousand miles.

2488
02:10:34.119 --> 02:10:37.600
<v Speaker 2>But there is access access, Yes, I'm talking about where

2489
02:10:37.840 --> 02:10:40.760
<v Speaker 2>is where is there no access transmissions?

2490
02:10:40.840 --> 02:10:44.520
<v Speaker 9>And you know, and you're saying success but not easy access.

2491
02:10:44.680 --> 02:10:47.039
<v Speaker 5>Well like the oil on my beam or you said

2492
02:10:47.880 --> 02:10:51.319
<v Speaker 5>I can't check it, no, but I can fill it.

2493
02:10:51.479 --> 02:10:54.920
<v Speaker 5>Obviously that they've not made any engines yet that are

2494
02:10:54.960 --> 02:10:59.000
<v Speaker 5>supposedly lifetime oil. That would be ridiculous, but they have

2495
02:10:59.199 --> 02:11:03.520
<v Speaker 5>attempted or did make lifetime transmission and they really mean

2496
02:11:03.640 --> 02:11:06.359
<v Speaker 5>that that you never have to filters.

2497
02:11:06.439 --> 02:11:08.439
<v Speaker 9>You can't change the filters. The only thing you do

2498
02:11:08.560 --> 02:11:09.960
<v Speaker 9>is possibly change a little fluid.

2499
02:11:10.439 --> 02:11:12.800
<v Speaker 2>But do people do that when when they have a

2500
02:11:12.880 --> 02:11:17.000
<v Speaker 2>lifetime transmission fluid? Well, car, give me an idea of

2501
02:11:17.079 --> 02:11:17.920
<v Speaker 2>some cars doing that?

2502
02:11:18.319 --> 02:11:24.000
<v Speaker 9>Well, every every manufacturer makes one. I mean they're they're rampant.

2503
02:11:24.079 --> 02:11:27.479
<v Speaker 2>Yeah, now okay, what would you do? Would you still

2504
02:11:27.640 --> 02:11:28.560
<v Speaker 2>change it? Yeah?

2505
02:11:30.000 --> 02:11:32.640
<v Speaker 9>Well you can drop pans or you can get access

2506
02:11:32.720 --> 02:11:35.039
<v Speaker 9>to it. See I can access the fluid, but you

2507
02:11:35.199 --> 02:11:39.319
<v Speaker 9>can't in your garage without going through a major headache.

2508
02:11:39.359 --> 02:11:43.520
<v Speaker 2>But there is no interval. There's literally no interval in

2509
02:11:43.640 --> 02:11:46.880
<v Speaker 2>the owner's manual for changing transmission.

2510
02:11:46.319 --> 02:11:47.920
<v Speaker 9>Flood It's right, it's not recommended.

2511
02:11:50.439 --> 02:11:55.279
<v Speaker 5>God, I just find that so extraordinarily stupid. What is

2512
02:11:55.359 --> 02:11:57.680
<v Speaker 5>the purpose, what is the purpose behind that?

2513
02:11:58.399 --> 02:12:01.199
<v Speaker 9>It's just plain obsolescence. I mean, there's nothing else short

2514
02:12:01.239 --> 02:12:03.279
<v Speaker 9>of that. There's no reason why you would do that,

2515
02:12:04.279 --> 02:12:06.600
<v Speaker 9>because I can't check the oil in your beamer either

2516
02:12:06.720 --> 02:12:10.079
<v Speaker 9>without a scanner plugged in and it'll give me an

2517
02:12:10.119 --> 02:12:10.600
<v Speaker 9>oil level.

2518
02:12:11.319 --> 02:12:14.159
<v Speaker 5>By the way, I just texted got texted by someone

2519
02:12:14.239 --> 02:12:17.000
<v Speaker 5>who said he's been debanked.

2520
02:12:17.520 --> 02:12:20.560
<v Speaker 2>But I want more details. Try to call in if

2521
02:12:20.560 --> 02:12:22.560
<v Speaker 2>you can. I really do want more details.

2522
02:12:22.640 --> 02:12:26.000
<v Speaker 5>By the way, Frank Duran, the realestateman dot com right

2523
02:12:26.079 --> 02:12:29.479
<v Speaker 5>now is doing this market valuation, which is more important

2524
02:12:29.520 --> 02:12:32.600
<v Speaker 5>now than ever since rates went down, demands up a little,

2525
02:12:32.680 --> 02:12:33.680
<v Speaker 5>supplies down a little.

2526
02:12:33.720 --> 02:12:35.079
<v Speaker 2>You want to know what your house will sell for.

2527
02:12:35.239 --> 02:12:37.840
<v Speaker 5>He'll look at the neighborhood, the comps, He'll look at

2528
02:12:37.880 --> 02:12:41.279
<v Speaker 5>the supply and demand and the interest rates and all.

2529
02:12:41.199 --> 02:12:43.319
<v Speaker 2>Of the factors. And this is all free.

2530
02:12:43.640 --> 02:12:46.640
<v Speaker 5>There is absolutely no obligation to find out what your

2531
02:12:46.680 --> 02:12:49.800
<v Speaker 5>house will sell for what you can net after commissions

2532
02:12:49.840 --> 02:12:52.640
<v Speaker 5>and what you can buy. That's Frank Durant, the real

2533
02:12:52.760 --> 02:12:55.920
<v Speaker 5>Estateman dot com three three nine two z Earl sixteen

2534
02:12:55.960 --> 02:13:00.479
<v Speaker 5>twenty two. I'm Martino here three three seven three talk

2535
02:13:00.560 --> 02:13:03.159
<v Speaker 5>seven one three eight two five five. Hey Randy, what

2536
02:13:03.319 --> 02:13:05.520
<v Speaker 5>kind of issue are you having with chime bank?

2537
02:13:06.760 --> 02:13:10.119
<v Speaker 24>Same thing I was, yeah, same thing. It was two

2538
02:13:10.239 --> 02:13:13.239
<v Speaker 24>years ago. You I called into you and you had

2539
02:13:13.319 --> 02:13:16.520
<v Speaker 24>me file through somebody.

2540
02:13:16.800 --> 02:13:19.800
<v Speaker 5>Oh yeah, yeah, yeah, yeah, Doc. What was that agency

2541
02:13:19.840 --> 02:13:21.479
<v Speaker 5>you put us in touch with? They do a good job,

2542
02:13:21.560 --> 02:13:25.319
<v Speaker 5>the Financial Protection bureauer site.

2543
02:13:26.199 --> 02:13:29.319
<v Speaker 2>You're right. I forgot about that. You're right, Randy. So anyway,

2544
02:13:29.359 --> 02:13:31.920
<v Speaker 2>whatever happened with yours? They debanked you? Did they give

2545
02:13:32.000 --> 02:13:32.640
<v Speaker 2>you a reason?

2546
02:13:34.119 --> 02:13:36.640
<v Speaker 24>They told me that they wanted the receipts I paid

2547
02:13:36.800 --> 02:13:37.840
<v Speaker 24>cash for these parts.

2548
02:13:38.560 --> 02:13:42.079
<v Speaker 2>Oh that yeah, that's right, that's right. You They they

2549
02:13:42.279 --> 02:13:46.039
<v Speaker 2>listened to this. The guy just had cash transactions and

2550
02:13:46.159 --> 02:13:49.880
<v Speaker 2>they didn't like it, and they wanted to see corresponding receipts.

2551
02:13:50.000 --> 02:13:53.640
<v Speaker 2>For god's sakes, I mean, they're like being police. Wow,

2552
02:13:54.600 --> 02:13:57.079
<v Speaker 2>whatever happened with it? Did you get your money?

2553
02:13:58.119 --> 02:13:58.359
<v Speaker 7>Nope?

2554
02:13:59.159 --> 02:14:01.880
<v Speaker 2>Wait a minute, they kept your money?

2555
02:14:03.000 --> 02:14:03.199
<v Speaker 7>Yep?

2556
02:14:03.920 --> 02:14:06.960
<v Speaker 24>How much a little over three grands.

2557
02:14:08.039 --> 02:14:08.479
<v Speaker 2>Now, wait a.

2558
02:14:08.520 --> 02:14:13.239
<v Speaker 5>Minute, they shut down your account for which for what reason?

2559
02:14:13.640 --> 02:14:16.159
<v Speaker 5>Because you had cash transactions?

2560
02:14:16.279 --> 02:14:16.399
<v Speaker 2>Right?

2561
02:14:17.439 --> 02:14:17.600
<v Speaker 7>Yep?

2562
02:14:17.880 --> 02:14:21.000
<v Speaker 24>I had cash transactions that totaled like fifteen hundred bucks.

2563
02:14:21.079 --> 02:14:24.520
<v Speaker 24>But the park store didn't have the cash refund me,

2564
02:14:24.720 --> 02:14:28.079
<v Speaker 24>so I had to go to a card So I

2565
02:14:28.279 --> 02:14:31.239
<v Speaker 24>put it on the card and they shut me down

2566
02:14:31.319 --> 02:14:33.680
<v Speaker 24>and quit corresponding with me.

2567
02:14:34.199 --> 02:14:37.000
<v Speaker 2>So the wait, wait, wait, but but what difference does

2568
02:14:37.039 --> 02:14:38.279
<v Speaker 2>it make if it was your money?

2569
02:14:39.800 --> 02:14:42.600
<v Speaker 24>That's what they would never They would never tell me

2570
02:14:42.680 --> 02:14:43.600
<v Speaker 24>why so.

2571
02:14:43.800 --> 02:14:46.079
<v Speaker 2>You took you took cash out of your bank to

2572
02:14:46.159 --> 02:14:50.319
<v Speaker 2>buy something, yep. And then they issued you a credit

2573
02:14:50.439 --> 02:14:56.319
<v Speaker 2>on your credit card yep, because they couldn't issue a

2574
02:14:56.399 --> 02:14:57.800
<v Speaker 2>cash refund.

2575
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<v Speaker 9>Ye. And see if didn't help you with that.

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<v Speaker 2>This is crazy. You know what, Randy, Uh leave your

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02:15:04.640 --> 02:15:07.079
<v Speaker 2>name with Kachina. I want to get you back on Monday.

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<v Speaker 5>This is ridiculous, really it is, Okay, I want to

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<v Speaker 5>get you back on I'm Tom Martino three O three

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02:15:12.319 --> 02:15:16.199
<v Speaker 5>seven one three talk call three oh three Martino anytime

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<v Speaker 5>you want. Okay, and don't forget sheardan auto tech dot

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<v Speaker 5>com