Speaker 1: Yeah, Rip need advice.
Speaker 2: Who you don't have.
Speaker 3: Come running, just as as the can Shooter's gonna help
Speaker 3: come Man Dix.
Speaker 4: Is the Troubleshooter Show Now, Tom Martine, Hi.
Speaker 5: I'm Tom Martino, and I am so happy to be here,
Speaker 5: so happy to be alive. Thank you, thank you, thank
Speaker 5: you for joining me in the festivities on the Troubleshooter Show.
Speaker 5: We have an abbreviated week of sorts, but we'll be
Speaker 5: broadcasting all week with special programming when we're not here.
Speaker 5: But between me and Major Mark Major, we're not gonna
Speaker 5: forsake you at all. We got all kinds of stuff
Speaker 5: going on, and we have it looks like a full studio. Well,
Speaker 5: I say, full let me see what peeps we have there.
Speaker 5: I see Major Mark Major if you're streaming YouTube, but
Speaker 5: we have this up on video of you care if
Speaker 5: you don't, and then I think we have that's Fuller,
Speaker 5: John Fuller, and Hi John, thank you for being here.
Speaker 6: And I see Deputy Bow. Is that Deputy Bow? No,
Speaker 6: Deputy Dollar and Shopper, Shopper.
Speaker 5: I'm sorry for insulting you and calling you bo, just kidding,
Speaker 5: So listen, let's get right. I have Deputy d here,
Speaker 5: of course, Deputy d we're talking about anything on your
Speaker 5: mind this week, of course, And I want to ask
Speaker 5: a question, though, have you ever considered interest balance transfers.
Speaker 5: I've been getting a lot of emails about this, you know,
Speaker 5: and not because of me. I don't think they're targeting
Speaker 5: me because I'm in trouble or anything. But they're saying,
Speaker 5: do you want to transfer your high interest credit cards?
Speaker 7: A lot of that a lot of that time is
Speaker 7: derived from your balance. They'll pull it credit report on
Speaker 7: you or a soft call, and they'll see that you
Speaker 7: have a big balance. You might pay it off every month, right,
Speaker 7: you carry a big balance, so they'll send you those offers.
Speaker 5: And Mark, you and I both know with our businesses
Speaker 5: and your individual card of my individual card, we charge
Speaker 5: the hell out of everything.
Speaker 6: So toward the end of.
Speaker 5: The month, our credit score actually goes down because our
Speaker 5: use of credit is higher, and then once we pay
Speaker 5: it off, our credit jumps up and it does a
Speaker 5: cycle every month.
Speaker 6: Well, in any case, let me get to this.
Speaker 5: So I started looking into, not for me, but the
Speaker 5: concept of credit transfers. First of all, Mark advertises for
Speaker 5: CMG Financial, which does some equity loans and I advertise
Speaker 5: for American Mortgage, which is a great company, and they
Speaker 5: do the smart equity loan, and I'll be talking to
Speaker 5: them soon here, and they advertise and encourage that you
Speaker 5: take a part of your equity and pay off that
Speaker 5: high interest at not so you can just keep it
Speaker 5: on your house for thirty years.
Speaker 6: But so you can pay it off quicker.
Speaker 5: Now, balanced transfers, though, are not a bad idea. I
Speaker 5: happen to look into it, and I found some incredible programs,
Speaker 5: some balanced transfer programs that really work, and through the show,
Speaker 5: I would like to go over some of them. Now,
Speaker 5: I'm not saying you do this instead of an equity loan,
Speaker 5: but you can. I mean, in other words, in some cases,
Speaker 5: you can transfer your high interest credit cards over to
Speaker 5: a credit card that gives you, for example, eighteen months,
Speaker 5: eighteen fricking months with no interest on those balance transfers.
Speaker 5: Now on purchases they get, you know, they don't give
Speaker 5: you much much credit, I mean not much credit.
Speaker 6: They don't give you much of an incentive.
Speaker 5: But what they're hoping to do is that once you
Speaker 5: transfer your balance, you'll be a regular card customer. But man,
Speaker 5: can you take advantage of some of them, and I'll
Speaker 5: be talking about some of them, okay, because they really are.
Speaker 5: I looked high and low and they are really good deals.
Speaker 5: But right now I want to go to the phones
Speaker 5: and again I'll be talking to American Finance about the
Speaker 5: nitty gritty of their smart equity loan. I want to
Speaker 5: get right down to it. But right now we're going
Speaker 5: to talk about a travel issue. This is the travel
Speaker 5: season for many of us in Colorado.
Speaker 6: Doug and Jill.
Speaker 5: Want to talk to me about Avante. I have no
Speaker 5: idea what it's about. So why don't you guys start
Speaker 5: from the beginning and let's hear what's going on Doug
Speaker 5: and Jill.
Speaker 8: Okay, we booked a trouble for our family. There were
Speaker 8: four of us total, and it was to leave on May.
Speaker 8: I believe it was May second, no excuse me, May fourth,
Speaker 8: and my husband came down with a blood clot in
Speaker 8: his leg which made it impossible to travel. It would
Speaker 8: be left to threatening to travel.
Speaker 6: Yeah, we did.
Speaker 8: Not have travelnger instead as on us. We know, but
Speaker 8: we did get two letters from different doctors, including a
Speaker 8: hematologist who said that was not a good idea.
Speaker 9: Out for him.
Speaker 5: Okay, I want to I just want to say this,
Speaker 5: and again I don't mean to shut you down. And
Speaker 5: as I said, this show is designed to help callers
Speaker 5: and those listening. But really and truly, Doug and Jill,
Speaker 5: unless they just wanted to do it out of goodwill,
Speaker 5: they don't care what happened to you. I mean they
Speaker 5: don't care. They don't care if you have six doctors,
Speaker 5: they're not. They don't deny you based on whether or
Speaker 5: not they believe you. They deny you based on the
Speaker 5: fact that it wasn't a protected trip. Now, some trips
Speaker 5: have some built in protections if you cancel by a
Speaker 5: certain date. So what I want to know is I
Speaker 5: want to jump to the to the to the conclusion here.
Speaker 5: I just want to know something. Are they willing to
Speaker 5: do anything?
Speaker 8: The trip was a little over thirty three thousand dollars there.
Speaker 5: Oh my god, thirty three thousand dollars all prepaid.
Speaker 10: Yes, oh oh.
Speaker 6: You're breaking my heart.
Speaker 5: So of that thirty three of that thirty three thousand,
Speaker 5: are there individual elements that may be refundable.
Speaker 8: The only thing they are willing to refund is the
Speaker 8: airfare and how much is that? Well, they want to
Speaker 8: take four thousand dollars. Excuse me, four hundred dollars per ticket.
Speaker 8: There were four tickets, and.
Speaker 5: They want who is they?
Speaker 6: Who's going to refund that? Well?
Speaker 8: Avanty? It was paid four through Avanti. It was booked
Speaker 8: with United and Luftan Luftante. I call them both and
Speaker 8: they have both.
Speaker 6: Who is Avanti? Who is a Vanty Travel? Hold on there?
Speaker 6: Go ahead, Deputy Deed, you look them up.
Speaker 1: Yeah, I'm on their website right now.
Speaker 2: It looks like a travel agency, like a full service
Speaker 2: travel agency.
Speaker 5: Okay and okay, So you booked a family. I want
Speaker 5: people listening to know this because I wanted to ring true.
Speaker 5: They booked through a Vanty Travel to leave May fourth.
Speaker 5: Doug came down with a blood clot in his leg.
Speaker 5: They did not have travel insurance. The cost of the
Speaker 5: trip thirty three thousand dollars.
Speaker 7: Oh my god, can't you swap out your husband for somebody?
Speaker 1: Oh no, I'm.
Speaker 6: Wondering by it.
Speaker 5: By the way, Mark Marcus joking, But I'm I'm no.
Speaker 11: I'm not.
Speaker 6: I'm not joking at all.
Speaker 5: I mean, okay, because Marcus, really it's really a good idea.
Speaker 6: Would you I'm just saying, would you be allowed to
Speaker 6: put another person in his place, or.
Speaker 7: As John Fuller just said, or swap out all four,
Speaker 7: sell the package.
Speaker 5: Or or or just go without him and pay that portion.
Speaker 5: But go with that. And I'm serious about this. If
Speaker 5: we had to talk about mitigating damages, these are all
Speaker 5: pretty uh, I think, useful.
Speaker 2: Good ideas. But we don't know if this trip has
Speaker 2: already taken place or not. Is this May fourth?
Speaker 8: Yeah, it had taken place, Okay, And I was because
Speaker 8: this was this footput thing was a new thing to
Speaker 8: our family. I did not want to leave my tryed.
Speaker 8: I did not know how he would feel. And plus
Speaker 8: it was a family trip and family is quick forward here.
Speaker 5: You no, I get all the reasons. I was just
Speaker 5: trying to mitigate damages. So May fourth has come and gone.
Speaker 6: Yeah, how much?
Speaker 5: How much total was ref How much total was refunded?
Speaker 8: About nine nothing has been refunded yet, nine thousand dollars
Speaker 8: and that was only the airpayer, all the hotels, all
Speaker 8: the the tours, all the transfer twenty.
Speaker 6: Okay, Doug and Jill.
Speaker 5: Let me ask you something, and again I want you
Speaker 5: to set yourself apart.
Speaker 6: What do you think they should do?
Speaker 5: Do you think because your husband had a medical condition
Speaker 5: they should say. You know what, let's cut these people
Speaker 5: some slack. What are you expecting.
Speaker 6: Insurance?
Speaker 7: By the way, I know you hate the term, but
Speaker 7: let me play Devil's advocate real quick. I don't care
Speaker 7: where I book a flight. I don't care where I
Speaker 7: book a hotel. When I go into my Hilton apps,
Speaker 7: I have two options. I can cancel up till the
Speaker 7: day of or whatever money I give them that second
Speaker 7: I never get back. These are decisions we all make
Speaker 7: every time you book travel, and I don't care who
Speaker 7: you book it through.
Speaker 5: Okay, hold on, I got to take a break. I
Speaker 5: want to talk about this, and I want to know
Speaker 5: what people think should be done. I mean, I know
Speaker 5: it's easy to say after the fact, well you should
Speaker 5: have bought insurance. I don't think I've ever bought travel insurance.
Speaker 5: I don't think I ever.
Speaker 7: Needed It's not but Tom, I'm not saying by insurance.
Speaker 7: I'm saying, when you book an air, you get the frontier.
Speaker 7: You can either pay one hundred bucks or one hundred
Speaker 7: and eighty bucks, but you can cancel and rebook at
Speaker 7: any time.
Speaker 5: Okay, more more on this, More on this. What would
Speaker 5: you do?
Speaker 6: What do you.
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Speaker 5: You'll think you're his only customer when you choose Frank
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Speaker 6: If you want to get just that. Hey, what do
Speaker 6: we do about this? What do we do? Hey? Mark?
Speaker 5: Would you expect and John Fuller and anyone in the studio,
Speaker 5: would you expect them to do anything?
Speaker 6: What would you expect them.
Speaker 7: To I'm going to go back to what I said
Speaker 7: last time. If people want those cheap fares, if they
Speaker 7: were to refund those non refundable fares all the time,
Speaker 7: the rest of us wouldn't be able to buy cheap fares.
Speaker 6: They would disappear.
Speaker 5: But so so you're saying they don't really they're not
Speaker 5: own anything and shouldn't expect anything.
Speaker 7: And if they traveled with these people and used them
Speaker 7: all the time, this Avante company, I would say they
Speaker 7: should do something, But I mean that's up to Avante.
Speaker 13: I think it comes down to, you know, the time frames.
Speaker 13: If if the company had eight months to resell the
Speaker 13: spot and they could get them sold to somebody else, maybe,
Speaker 13: but if it's you know, like a monthday before somebody
Speaker 13: or they had no opportunity to get rid of it.
Speaker 5: You know what. I never thought of that, John, You know,
Speaker 5: so Doug, let me ask Doug and Jill when was
Speaker 5: the trip booked?
Speaker 6: When did you actually book it?
Speaker 10: Paid for us?
Speaker 8: I think in March actually, and.
Speaker 5: Then okay, okay, so in March for May. So in
Speaker 5: March when you did it? How long after did you cancel?
Speaker 5: Did you want to cancel?
Speaker 8: It was it wasn't that long before the trip began,
Speaker 8: because that's when we got the information about the blood clotch.
Speaker 5: So we were when when did you when did you
Speaker 5: when did you decide you were not going to go
Speaker 5: on the trip?
Speaker 10: Just give me that day before thirtieth. No, no, it
Speaker 10: was not that much time.
Speaker 11: You know what.
Speaker 5: You can't blame them, you really can. I mean, it
Speaker 5: was like four days.
Speaker 7: Before it would be worth call to the hotel to
Speaker 7: see if they credit Avante because of Avante got some
Speaker 7: of their money back.
Speaker 6: You might have an argument. Yeah, you think about that.
Speaker 13: You're trying to get together some you know, some tickets
Speaker 13: of you know, of re Where are they at? Generally speaking,
Speaker 13: this is what travel insurance is for, you know, it
Speaker 13: really is.
Speaker 5: You know, I hate giving you guys bad news like this,
Speaker 5: but I don't think I think here's what I want
Speaker 5: to know. Any of my deputies recall calling and negotiating
Speaker 5: stuff like this, ever, and maybe I think it's a
Speaker 5: dead issue.
Speaker 6: I don't think they would do anything.
Speaker 5: We could make We theoretically could make a courtesy.
Speaker 7: Quite We dealt with this over COVID on the week
Speaker 7: and not one time, not one time, and that was
Speaker 7: during COVID people were dying. Did people ever get money back?
Speaker 14: Mark?
Speaker 5: Yeah, there were people with insurance that didn't. The insurance
Speaker 5: didn't honor it. I remember, don't you remember? Insurance didn't
Speaker 5: honor COVID. No.
Speaker 7: What the ones that drove me crazy was Hawaii because
Speaker 7: if you flew there, you would have to stay, like
Speaker 7: at the airport or at a hotel that was specified
Speaker 7: for two or three.
Speaker 13: Weeks like quarantine, quarantine before you could even leave.
Speaker 6: So technically they didn't shut it down. But who the
Speaker 6: hell's going to go stay in a hotel for three weeks?
Speaker 5: Yeah, for sure, Doug and Jill, I know you're making
Speaker 5: a last dish effort, but God, take whatever you do.
Speaker 5: Take that, take that refund for the air That nine
Speaker 5: grand is better than nothing. I just can't believe that
Speaker 5: you didn't make an effort. I know it's a family trip,
Speaker 5: you didn't want to go without Doug. But and and
Speaker 5: by the way, just I let you know. I don't
Speaker 5: know how bad this blood clot is, but it is
Speaker 5: a bit of a myth that you can't travel with
Speaker 5: the blood clot there are things you can do. I'm
Speaker 5: not going to get into the medical part of this,
Speaker 5: and I'm not going to dispute it with you, but
Speaker 5: but did your doctor say absolutely no travel?
Speaker 15: Yes?
Speaker 6: Because of what?
Speaker 5: Because of the blood clout itself? How and by the way,
Speaker 5: how are you doing now, Doug? How are you doing now?
Speaker 14: I have another all through sound the end of the
Speaker 14: month to see if the medication is working okay?
Speaker 5: And are they hoping medication is all.
Speaker 6: You're going to need.
Speaker 14: Probably for the rest of my life?
Speaker 6: Hey, where is the blackedge dog? That's what I was
Speaker 6: going to say.
Speaker 13: There's different kinds of clots, and there's some that you
Speaker 13: may be able to travel with and some right, widow maker?
Speaker 9: Is it?
Speaker 6: Where is it?
Speaker 14: Lower left leg?
Speaker 6: And it's not one that's for Wow?
Speaker 5: Oh goodness, gracious, Doug. How did you discover it? I'm curious?
Speaker 5: Did you discover it four days before the trip?
Speaker 11: How?
Speaker 14: I had a discoloration in the lower leg and my
Speaker 14: wife would you better have that look at? And being
Speaker 14: a Vietnam veteran, other stuff has popped up over the years,
Speaker 14: so I thought i'd go in.
Speaker 9: Yeah, yeah, there's.
Speaker 14: Even some discussion that maybe the eggs and orange was
Speaker 14: the cause of this too.
Speaker 5: Yeah, well, certainly, there's a plethora of possibilities here. I
Speaker 5: don't think I'm just going to ask volunteers. Any of
Speaker 5: my deputies just want to call and see if they
Speaker 5: would make any kind of an adjustment. What about did
Speaker 5: any of them offer you credit for a future trip?
Speaker 8: No, we tried that. We tried rebooking, and they just
Speaker 8: kind of ignored us.
Speaker 5: Well, you know, you do understand four days.
Speaker 6: I mean, you do understand.
Speaker 5: I mean you are asking for something special, right, you
Speaker 5: do understand?
Speaker 9: Right?
Speaker 5: Oh?
Speaker 8: Then, and I do expect a penalty, just not that
Speaker 8: large of a penalty. We would have probably settled for,
Speaker 8: you know, half of that amount.
Speaker 5: But may I ask why you didn't buy travel insurance?
Speaker 6: Why?
Speaker 15: Because we have traveled.
Speaker 8: All over Europe and South America everything, and I have
Speaker 8: never had travel insurance. This time we needed it, of.
Speaker 5: Course, And what would have cost, by the way, what
Speaker 5: would have cost you in this case?
Speaker 8: You know, I didn't even look into it. I don't know, okay,
Speaker 8: look into it. But let me just say this. We
Speaker 8: have traveled in the past with Rick Steves, an amazing company.
Speaker 8: He when COVID came and we had to cancel a trip,
Speaker 8: we had the refund in less than a week.
Speaker 6: He Costco's the same way. Costco's great.
Speaker 8: Yeah so, I mean we have been burned and guess what,
Speaker 8: we won't ever you.
Speaker 15: Again.
Speaker 5: Are you kidding? I would never blame them for this.
Speaker 5: I mean I don't know how you can possibly hold
Speaker 5: this against them.
Speaker 6: I mean now when you say Costco mark without insurance, yeah,
Speaker 6: so ours.
Speaker 7: We had three weeks in Hawaii book like in twenty
Speaker 7: one and they gave us every pennyback, airfare, hotel, everything.
Speaker 6: I didn't buy insurance. I never buy insurance.
Speaker 5: All right, thank you, Doug and Jill. I'm really sorry, Christine.
Speaker 5: What if you can sum this up in a sentence.
Speaker 5: We're going to take your problem that you have an
Speaker 5: seven Kia sorrento. Is it with the purchase of the car,
Speaker 5: or service with the car or some other issue?
Speaker 6: What is it?
Speaker 3: It's the service at the Kia dealership.
Speaker 5: Okay, We're going to talk about the service at this
Speaker 5: Kia dealership and also talk about your problems, questions and complaints.
Speaker 6: Call us right now.
Speaker 5: You can get right in and get in before the
Speaker 5: long weekend, so you don't have those things festering on
Speaker 5: your plate. Three Martino, go with a sure thing Denver's
Speaker 5: best roofer Excel Roofing dot com.
Speaker 12: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: oh three nine two zero sixteen twenty two. I'm Tom Martino,
Speaker 5: your trouble shooter, and we're taking your calls and your
Speaker 5: problems and your questions or complays. Christine has an issue
Speaker 5: with a two thousand and seven Kia Sorrento.
Speaker 6: So Christine, what's going on with you?
Speaker 5: So?
Speaker 3: I've been trying to get my car service at a dealership.
Speaker 5: The now when you they trying to get a service,
Speaker 5: explain to me is this the place you bought it
Speaker 5: or just somewhere you went for service.
Speaker 3: It's just somewhere I went to service. Because they actually
Speaker 3: took my warranty. I was on the car.
Speaker 6: And what kind of warranty do you have?
Speaker 3: It's an alpha alpha.
Speaker 6: Just just one that you bought when you bought the car.
Speaker 3: Yes, yes, I just bought it.
Speaker 15: Okay, a year ago.
Speaker 6: I got it. So anyway, what happened?
Speaker 3: So I'd like to take my car dealerships. I thought
Speaker 3: I could trust them. This has been an ongoing situation
Speaker 3: since November.
Speaker 5: Okay, so start start in the beginning. I want to
Speaker 5: know when the problem started. What's the name of the dealer?
Speaker 3: Amkia?
Speaker 5: Okay, yeah, okay, Emmic Is that on Colorado on Colorado Boulevard? Yes, yes, okay,
Speaker 5: So what happened? You went in November?
Speaker 3: For what I was hearing a noise and on the
Speaker 3: back of my car, and also a stump from when
Speaker 3: I was coming to a stop and when I would
Speaker 3: start accelerating.
Speaker 6: Okay, and then what happened?
Speaker 3: Figure out?
Speaker 11: They uh.
Speaker 3: Diagnosed it. They said it was a steering pump, my
Speaker 3: steering staring pump that was going out and I didn't
Speaker 3: didn't sound right. But I'm not a mechanic, so I
Speaker 3: wasn't sure. I left there. And also the day I
Speaker 3: left there, my a C wasn't working.
Speaker 5: Credible, How long did they How long did they have
Speaker 5: your car?
Speaker 6: Christine?
Speaker 3: For the entire day? I dropped it off in the morning,
Speaker 3: about nine o'clock in the morning.
Speaker 6: They came and when was this? How long ago? Was this?
Speaker 6: How long ago?
Speaker 3: In November?
Speaker 5: Okay, so there's a lot of time since November. What's
Speaker 5: been happening.
Speaker 3: Yes, I've been bringing my car back repeatedly because when
Speaker 3: I got my car back the first time, my A
Speaker 3: C was not working after they had serviced it, and
Speaker 3: I was I went back and spoke to them to
Speaker 3: see what had happened because it was learning perfectly. She
Speaker 3: stated that they had they weren't near any of the
Speaker 3: A C components and I had to disagree.
Speaker 5: So this is a whole this is oh wait, wait,
Speaker 5: so the November problems were one thing and then you
Speaker 5: took it back. When let's talk about timeline. Was it
Speaker 5: last year or was it just a little while ago.
Speaker 6: Or when.
Speaker 3: This was? And uh so I'm just trying to think
Speaker 3: of dates.
Speaker 6: Just no, I don't need exact days, but.
Speaker 3: Yeah, it was, it was.
Speaker 6: But they're not connected.
Speaker 5: What I'm what I'm hearing is they're not connected November,
Speaker 5: and then you said March. So you took it back
Speaker 5: in March. What was the problem in March?
Speaker 3: Well, I was I wanted them to address the a
Speaker 3: C because I was there. Said that they're going to
Speaker 3: order a compressor for the parts.
Speaker 10: That's why it took a book from Okay, gotcha.
Speaker 5: So the a C wasn't working right in March, you
Speaker 5: took it in And where do we stand today?
Speaker 3: The AC is still not working correctly and my and
Speaker 3: then I still have that noise.
Speaker 9: I've been going back.
Speaker 6: How much did you pay? How much did you pay?
Speaker 3: Well, the last trip I took up there, I just
Speaker 3: having to pay the four hundred dollars for the free
Speaker 3: on because they had taken all the free on out
Speaker 3: of my car for the last trip. They they when
Speaker 3: I went to go pick it up, they said that
Speaker 3: my car they replaced an ambience sensor and my car
Speaker 3: was the AC was in running, running condition, And I said,
Speaker 3: it's actually working. He says, yeah, I go out to
Speaker 3: my car. Wasn't. It wasn't. My AC wasn't working at all.
Speaker 5: So so really so from March until now, they haven't fixed.
Speaker 6: They haven't yet fixed. How much.
Speaker 5: She said, I think how he's asking how much money
Speaker 5: so far have you paid Emmic for that AC problem?
Speaker 6: Well?
Speaker 3: I was just it was a four hundred for the
Speaker 3: free on to a different place, because it's been it
Speaker 3: was covered by the warranty, and that's why I wasn't
Speaker 3: able to go somewhere else because.
Speaker 5: I understand did EMMIC do in March when you took
Speaker 5: it back to Emmett for your AC not working?
Speaker 6: Did they get it working?
Speaker 3: No? They have yet to get it working.
Speaker 5: Okay, but you haven't been charged either because of your warranty.
Speaker 16: Correct.
Speaker 5: Okay, So now where does it stand today?
Speaker 6: Where is your car today?
Speaker 3: Well, it's this AC still not functioning correctly.
Speaker 5: And I still have you ever thought, Christine, have you
Speaker 5: ever thought of just taking it somewhere else? Since you
Speaker 5: don't have a lot of money in it with them,
Speaker 5: just take it to another place?
Speaker 6: Have you ever thought about that? Like, like we have a.
Speaker 5: Great a great place you could go to start shared
Speaker 5: in auto tech, great people. Have you ever thought of
Speaker 5: just going somewhere else and at least getting a fresh
Speaker 5: set of eyes on it?
Speaker 3: Actually I have. I went to two different firestones on
Speaker 3: What's Midas and they said that two of them didn't
Speaker 3: have the pool because they said the because the noise
Speaker 3: happened to be a willbearing, and so they said that
Speaker 3: they didn't have the tool to be able to press
Speaker 3: it on there. And then the last firestorm, I went to,
Speaker 3: this is no, it's no willbaring, it's differential, and I
Speaker 3: felt like I was a square one. So that's why
Speaker 3: I went back to Christine.
Speaker 5: Christine, but we're still talking about the AC and all
Speaker 5: these problems here. It's a very simple question. But you
Speaker 5: did take it to some other places? Did they actually
Speaker 5: have your car in and give you an opinion? Yes,
Speaker 5: What did they say right now about your AC? The
Speaker 5: other places? What did they say was wrong with it?
Speaker 3: They said that the wiring, the wine was all looked good,
Speaker 3: but they said that clutch wasn't engaging as it should be.
Speaker 5: Okay, I would suggest, truly that you take it to
Speaker 5: Sheridan Auto Tech. They can do a free diagnostic up
Speaker 5: to a certain.
Speaker 6: Point, not with AC. Okay, not with AC. So they
Speaker 6: can't give it an eyeball and give a you know,
Speaker 6: they're going to have to do a leak down test.
Speaker 6: It's going to for whatever the free on plus AI. Okay,
Speaker 6: it doesn't work.
Speaker 7: Find out, let'st find out I have a different Chevy
Speaker 7: deal or whatever it is. I mean, if it can't
Speaker 7: fix a damn compressit, per keia. I mean, if they
Speaker 7: can't fix it, bring it to a different dealer.
Speaker 3: Well, yeah, I've also had I've also had the leak
Speaker 3: tested two different times and there is no leak in
Speaker 3: the and.
Speaker 7: Then it's probably the compressor is not working, meaning the
Speaker 7: clutch isn't engaging.
Speaker 5: And that's what I think, That's what I think she said.
Speaker 5: But she just can't get someone to fix it. Listen, Christine,
Speaker 5: i'd and stop where you are. Okay, when you have
Speaker 5: this many problems and delays and you don't want don't
Speaker 5: keep going back to the same people. I tell this
Speaker 5: to people all the time. Don't keep going back. Now,
Speaker 5: some people have money invested and they figure I want
Speaker 5: to get my money's worth, so they go back. I
Speaker 5: understand that to a degree. But also though you can
Speaker 5: go somewhere else and.
Speaker 6: If rapa ho keya, they're right off for wrap a.
Speaker 7: Ho and we don't get many complaints. I'm not saying
Speaker 7: they're golden, but I mean we don't get a lot.
Speaker 5: A wrap Okia would be a good alternative. Mark, I
Speaker 5: was going to say that once in a while we
Speaker 5: get some complaints about the sales process, but never about
Speaker 5: their service.
Speaker 6: Christine, That's really.
Speaker 5: What we would recommend right now, rather than just trying to,
Speaker 5: you know, beat up on.
Speaker 6: This dealer and say why aren't you doing this? Why
Speaker 6: aren't you doing that?
Speaker 5: Sometimes it just comes down to a matter of competence.
Speaker 5: Just go somewhere where they can get you fixed up, and.
Speaker 6: It just comes go ahead.
Speaker 3: I just want my money back. I just want my
Speaker 3: money back for the for the free on that they
Speaker 3: took out of my car that I had to go.
Speaker 6: Can you do that?
Speaker 5: You're not going to get You're not going to get
Speaker 5: your money back for that, the fact that they tried
Speaker 5: to fix it and you need to charge your free on.
Speaker 5: They're not going to pay for that. I really don't think.
Speaker 5: How did you pay for your free on? Did you
Speaker 5: do it on a credit card?
Speaker 6: Yes?
Speaker 5: You may want to, you may want to. Uh, did
Speaker 5: you you.
Speaker 7: Paid them though? Right there at the counter right they
Speaker 7: put it in read the chip. Yeah, you're gonna have
Speaker 7: a hell of a time getting that back. Really, why, Mark, Well,
Speaker 7: because she was there, she presented the card and the
Speaker 7: proof she presented.
Speaker 6: It is right there in the chip.
Speaker 2: But I think the basis for the the basis for
Speaker 2: the credit.
Speaker 6: I got it. I'll give you a hundred. I'll give
Speaker 6: you a hundred. But hold on these.
Speaker 5: You can still do a credit card dispute for bad
Speaker 5: service after the fact, even though I mean, you know
Speaker 5: they will charge.
Speaker 7: Back that they fearanty issue, then, I mean they might.
Speaker 7: I only paid it for ten years. In the automotive business,
Speaker 7: I understand hundreds of disputes and if the card went through,
Speaker 7: the card went through.
Speaker 6: Yeah, but but but that's not true at all.
Speaker 5: When a charge goes through, it doesn't mean that you're
Speaker 5: you have no dispute rights.
Speaker 7: I mean, credit card company is there for basically fraud
Speaker 7: for the most part. I'm not saying that's right, that's
Speaker 7: what they're there for. That's not fraud. She that's a warranty.
Speaker 5: What about mark? What about poor service? I thought that
Speaker 5: if you didn't get what you paid for, not fraud,
Speaker 5: but just poor service, like it was, the repair wasn't
Speaker 5: done properly.
Speaker 6: Don't you think that would work?
Speaker 7: And half the restaurants II at I would freaking get
Speaker 7: free views anyway.
Speaker 5: By the way, Dan McKenzie McKenzie Law for wills and
Speaker 5: facing probate, avoiding probate, doing LLCs for your estate to
Speaker 5: bypass probate.
Speaker 6: He has so.
Speaker 5: Many ingenious ways of doing things, including, of course, your
Speaker 5: conventional trusts. You can trust McKenzie. Give him a call
Speaker 5: for a consultation. He's a one man shop with many assistants.
Speaker 5: Why do I say that because he personally attends to
Speaker 5: your estate and your estate plan eight three to three
Speaker 5: COO plans eight three three co plans. Go with a
Speaker 5: sure thing Denver's best roofer Excel Roofing dot com. You
Speaker 5: don't pay a cent on You're content. Time for an
Speaker 5: insurance check up free, no obligation. In comparison, call Compass
Speaker 5: Insurance paying too much your coverage at dozens of insurance
Speaker 5: companies find out now three oh three seven to seven
Speaker 5: to one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. I'm Tom Martino, Okay,
Speaker 5: three oh three seven to one three talk, but I
Speaker 5: want to emphasize three oh three Martino that you can
Speaker 5: call twenty four to seven and leave a message and
Speaker 5: then we get you hooked up for the next show.
Speaker 5: If you want to come on the air and tell
Speaker 5: your story. Tim wants to tell a story about travel Man.
Speaker 5: There's you know, travel season you can tell. So, Tim,
Speaker 5: what's happening? I'm Tom, what's going on with you?
Speaker 11: Before? I wow? American Savings Network? I want to a
Speaker 11: presentation with my lady and that le at the at
Speaker 11: the MBSs weeks and COLO was great and uh I
Speaker 11: bought into this? Uh time or not time to travel?
Speaker 6: Yeah? Yeah, yeah, no it I know what you mean.
Speaker 5: There's all kinds of these networks that are supposed to
Speaker 5: be a concierge service and save you money. And do
Speaker 5: you buy points? How did you join? What was the
Speaker 5: nature of membership? Tell me that first, Tim.
Speaker 11: The nature membership was this sounded public because it sounded
Speaker 11: too good to be true when I was stipping.
Speaker 6: But how much did you have to pay?
Speaker 1: Seventy nine?
Speaker 6: Let's get a lot?
Speaker 2: Yeah, timas the return Tim is the return caller.
Speaker 1: We've been dealing with this.
Speaker 2: This is from moments of Adventure and American Savings that were.
Speaker 5: Now wait a minute, wait a minute, So you called
Speaker 5: before you called before Tim?
Speaker 11: Yes, I did, and I one update you.
Speaker 5: Okay, great, let me find your call and thank you
Speaker 5: Dimitri for having such a spectacular memory. Okay, So go
Speaker 5: go with your story, brother, I'm listening.
Speaker 11: Okay. I contacted Brad England from America Saving Network and
Speaker 11: UH got his member and uh and basically he wanted
Speaker 11: to work with me as well as keep me in
Speaker 11: the you know, in the thing there or keeping me
Speaker 11: in the plan.
Speaker 6: And I said, what is this club slarios that one?
Speaker 5: No?
Speaker 6: No, never mind, okay, keep going.
Speaker 5: So Moments of Adventure okay, okay, so he wanted to
Speaker 5: keep you.
Speaker 6: What did he do anything?
Speaker 11: Well? He turned around, he told me, because you know,
Speaker 11: I think I wanted to go on vacations and this
Speaker 11: I found this call. I want my money back their companies.
Speaker 6: Okay.
Speaker 5: So so this guy Brad is the contact that Deputy
Speaker 5: de contacted Brad Aglin when you contacted him.
Speaker 6: What did they say they were going to do for him?
Speaker 1: Nothing?
Speaker 2: Neither neither Moments or Adventure nor American Savings Network ever
Speaker 2: responded to me. But because I see Tim on all
Speaker 2: of my emails to them, which were at least three,
Speaker 2: I would say, they got to hold this. Brad character
Speaker 2: got a hold of Tim what about a couple of
Speaker 2: weeks ago, and told him he'll work with Tim. And
Speaker 2: it sounds like Brad's been trying to sell Tim something else?
Speaker 1: Is that right? Tim?
Speaker 6: So Tim, what is the bottom line here? What are
Speaker 6: they doing.
Speaker 11: The bottom the bottom line? And so like that, they
Speaker 11: won't let me out of the contract yet. The contract
Speaker 11: that I had as far as disabled, the contract that
Speaker 11: canceled the day after when I talked to the person
Speaker 11: I canceled my Well, but wait.
Speaker 5: A minute, you're supposed to get some time to cancel,
Speaker 5: I thought, when he.
Speaker 1: Oh, this isn't a time share.
Speaker 5: It isn't a time share, it's a traveltel club.
Speaker 2: I've never seen the contract because Tim threw away.
Speaker 5: Tim, do you have a copy of anything that you
Speaker 5: signed with them? No?
Speaker 11: I don't.
Speaker 6: You don't have anything at all from them.
Speaker 1: It would be good to hear the latest, because Tim, Yeah.
Speaker 6: I want to hear the latest.
Speaker 5: So hold on and we'll come back and hear what
Speaker 5: they're offering. Now, go with a sure thing Denver's best
Speaker 5: roofer Excel roofing dot com. You don't pay a cent
Speaker 5: until you're content. Please time for an insurance check up free,
Speaker 5: no obligation. In comparison, call Compass Insurance. Pay too much
Speaker 5: your coverage at dozens of insurance companies find out now
Speaker 5: three o three seven to seven to one help. You'll
Speaker 5: think you're his only customer when you choose Frank durand
Speaker 5: the real estate Man dot com to list your home
Speaker 5: with Remax Alliance three oh three nine two zero sixteen
Speaker 5: twenty two.
Speaker 16: News.
Speaker 10: So you don't have.
Speaker 11: Run anxioussses care.
Speaker 6: The Shooter's gonna help come.
Speaker 4: Man Dix is the Troubleshooter Show. No Tom Martino.
Speaker 5: Hey, I'm Tom Martino, your Troubleshooter three zero three seven
Speaker 5: one three talk three oh three seven one three eight
Speaker 5: two five five.
Speaker 6: Hey, welcome to the show. We love doing it.
Speaker 5: That's why I've done it for forty five years, still
Speaker 5: on the air, and Mark's been at my side for
Speaker 5: many of those years. And uh, right now at the
Speaker 5: studio with John Fuller. John Fuller, personal injury attorney and
Speaker 5: all around consumer advocate guru. So uh, this hour brought
Speaker 5: you by Fixed at twenty four to seven. Don't forget
Speaker 5: free second opinions. This is the season they might say,
Speaker 5: you need a new air conditioner, you need a new this,
Speaker 5: you need a new that. They'll do free second opinions,
Speaker 5: no questions asked, no charge whatsoever.
Speaker 6: Just get a perspective.
Speaker 5: Fix myhome dot com book now seventy zero five two
Speaker 5: six thirty nine thirty nine. By the way, we love
Speaker 5: doing this, tim, We love helping people if we can.
Speaker 5: You have a terrible problem, though, And this was, in
Speaker 5: our opinion, an out and out ripoff.
Speaker 6: Now Deputy d looked a lot into.
Speaker 5: This, and he's saying, as far as he's concerned, you're
Speaker 5: dealing with just a bunch of crooks that have no
Speaker 5: real identity.
Speaker 6: You can never nail him down.
Speaker 5: And it was called Moments of Adventure or you went
Speaker 5: to a seminar. By the way, how did you find
Speaker 5: out about this seminar? In November of twenty twenty four, found.
Speaker 11: Out through a flyer in the mail?
Speaker 5: It okay, do you have that flyer by any show?
Speaker 5: I'm even curious about that.
Speaker 11: No, I don't have the fly anymore.
Speaker 6: Why did you go to it?
Speaker 5: Were you interested in a timeshare or in a vacation club?
Speaker 11: Actually I wanted to do some travel, my lady, But
Speaker 11: more so, they offered two free uh fights on celt
Speaker 11: Us airlines and a couple of nights in the Hilton Hotel.
Speaker 5: Did you ever get those? Did you ever get those freebies?
Speaker 11: I finally got him just yesterday to Brad to an email.
Speaker 11: I got a thing. I turned it out, but I
Speaker 11: had you know, he's actually he wants to work with
Speaker 11: me now.
Speaker 5: But he got me the how does he how does
Speaker 5: he want to work with you? Did he reach out
Speaker 5: all of a sudden?
Speaker 11: No, I reached out to him because he got his
Speaker 11: number and I reached out to him and uh and
Speaker 11: I got his email autist and everything, and he said
Speaker 11: that he wanted to work with me. And I got
Speaker 11: a direct line, and I said, I just want my
Speaker 11: money back. I canceled this.
Speaker 5: And then what is the direct line? Does is the
Speaker 5: direct line? Does it end with eight seven zero nine?
Speaker 11: Yes?
Speaker 6: Okay? And the email address you have is what.
Speaker 11: Brad at American Savings Networks dot com.
Speaker 5: Brad at American Savings Network dot com. You know, it's
Speaker 5: encouraging though, it's encouraging that he answered you. I want
Speaker 5: to ask a question. Okay, let's all examine this. You know,
Speaker 5: in my opinion, it's not worth anything. But you already joined,
Speaker 5: it looks like you're not going to get your money back.
Speaker 5: I mean, I guess you could try to assume a
Speaker 5: small claims court if they have a registry.
Speaker 6: Agent, you know Mark.
Speaker 5: When they don't have a registered agent, there's no way
Speaker 5: to take him the small claims court?
Speaker 6: Is that right?
Speaker 1: There is?
Speaker 6: Yeah, you could.
Speaker 7: You could go to either the house if you know
Speaker 7: who the person was. You mean, if you literally can't
Speaker 7: serve them, or if they don't have a registered agent.
Speaker 6: What are you trying to say? If they don't have
Speaker 6: a registered agent.
Speaker 7: And as you can serve someone, that person would still
Speaker 7: have to show up to court.
Speaker 6: Okay, But what if they don't have anyone in the state.
Speaker 6: Doesn't it you'd have to go to their venue and
Speaker 6: serve them there.
Speaker 7: Okay, not necessarily we're talking to small claims court.
Speaker 13: Well, still if you serve them. It's just that they
Speaker 13: can't defend a corporation in the state of Colorado, but
Speaker 13: they are subject to the jurisdiction. So if you can
Speaker 13: serve them and get them in the court, but they
Speaker 13: can't come in there and represent that corporation because it's
Speaker 13: not a legal entity.
Speaker 6: In a small claims court. They literally do it for
Speaker 6: a purpose.
Speaker 7: So I can't go sue someone in California and make
Speaker 7: them come here. I have to go into the county
Speaker 7: of the person I'm suing.
Speaker 6: I don't.
Speaker 13: I think we're talking about apples and oranges here, because
Speaker 13: if somebody avails themselves of the jurisdiction here in Colorado,
Speaker 13: the fact that they may be a corporation in California
Speaker 13: doesn't matter. As long as you serve them here and
Speaker 13: you catch them in this jurisdiction, you've got jurisdiction over them.
Speaker 6: Oh, in a court in Colorado. Yeah, I agree? Okay, Okay.
Speaker 5: So here's the question, though, have you ever tim Troy
Speaker 5: to just use the membership?
Speaker 11: You know?
Speaker 6: What I'm saying is.
Speaker 5: I know you didn't want it and you want your
Speaker 5: money back, But if you're stuck with it right now,
Speaker 5: have you ever used it?
Speaker 6: Have you ever tried to use it?
Speaker 11: You know, as a matter of fact, I did. I
Speaker 11: You know, he talked to me, work on getting your
Speaker 11: money back later, But how about we just get you
Speaker 11: doing some travel now? Oh?
Speaker 9: Is that?
Speaker 5: What is that? What he is that what he said
Speaker 5: to you? Is he trying to sell you now a trip?
Speaker 11: Yes, basically?
Speaker 6: Okay, So that's.
Speaker 5: Why that's why the guy contacted you, is Susan, That's
Speaker 5: why the guy contacted you. He's not being a good egg.
Speaker 5: He contacted you because he figured, Hey, you know the
Speaker 5: guy's a member. Now let's see if we can actually
Speaker 5: make him pay.
Speaker 6: Or is it discount or what kind of things is it?
Speaker 6: What are we talking about?
Speaker 9: It's so special?
Speaker 5: Just forward, tim. I want to ask you a question.
Speaker 5: What did he try to sell you?
Speaker 11: Okay? I told him was another trip to travel the
Speaker 11: Mortal Beach, something going to Myrtle Beach, and he wanted
Speaker 11: I gave him some dates and he gave me a price.
Speaker 11: Reduced price, he says.
Speaker 6: How much?
Speaker 11: But you wants four and fifty dollars is a retail
Speaker 11: for nine?
Speaker 6: And he said he would get you a trip to
Speaker 6: Myrtle Beach.
Speaker 11: Yes, basically where I would you know, we would drive
Speaker 11: out there, would have a place to stay for four
Speaker 11: days or whatever. Do not do.
Speaker 6: I would not put any more money in this. You
Speaker 6: didn't do it, did you?
Speaker 5: No?
Speaker 11: I No, I didn't because I'm not that stupid anymore.
Speaker 6: I hope not.
Speaker 5: I wouldn't spend another time with these people. So really,
Speaker 5: then what the what is the seventy nine for? If
Speaker 5: you have to pay for each and every trip? Are
Speaker 5: they claiming that all of your trips are going to
Speaker 5: be discounted?
Speaker 6: Is that why?
Speaker 11: That's what they claiming?
Speaker 12: And so was the trip?
Speaker 5: Was the trip to Myrtle Beach for four hundred and
Speaker 5: fifty bucks? Was that all inclusive or was that just
Speaker 5: the first part? How much was the trip going to
Speaker 5: cost you?
Speaker 9: In all.
Speaker 11: All he's got on the email. I had four of
Speaker 11: these emails to me.
Speaker 12: It took me.
Speaker 7: Listen, guys, just wait a minute, so all this we
Speaker 7: can't get them. I just decided to call the number
Speaker 7: that's literally on the website America's Savings Network, and a
Speaker 7: gal picked up, and she's gonna call me back with
Speaker 7: the next one that's here in Colorado and what hotel
Speaker 7: and we can go down and talk to him in
Speaker 7: person for.
Speaker 6: That man, good good.
Speaker 5: We'll do the old fashioned, the old fashioned attendance you
Speaker 5: used to do mark where you raise your hand and
Speaker 5: ask a question.
Speaker 6: These are the best ones, man, these guys.
Speaker 7: Hopefully they fill up the embassy suites where they got
Speaker 7: the free cocktail hour and then basically you walk in
Speaker 7: in the middle of it, and you just warn everybody
Speaker 7: they're a bunch of crooks.
Speaker 5: Go back and search our YouTube channel. You'll see Mark
Speaker 5: on some of these. They're really cool.
Speaker 6: Hey, listen, you may decide to buy in. You know, yeah, yeah, yeah, yeah,
Speaker 6: you have the free cocktails in the next thing. You know,
Speaker 6: you remember.
Speaker 5: But here's what I want to know, Brad on this
Speaker 5: recent trip to Myrtle Beach, was the what were you
Speaker 5: getting for four fifty?
Speaker 6: Was that just the airfare or what was that the
Speaker 6: four fifty?
Speaker 11: Oh it says ocean front uh secuz this week before
Speaker 11: fifty for.
Speaker 5: An ocean front room for how many nights?
Speaker 11: Eight through the twelve dolls or four nights.
Speaker 6: And nights for four fifty? Did they say that's all
Speaker 6: you did? They say that's all you had to pay?
Speaker 11: This says retail price nine eighty. But I'm not fearable,
Speaker 11: taxes everything.
Speaker 5: Okay, So what they're showing they're showing that what they're
Speaker 5: trying to show him, because the heat turned up a little,
Speaker 5: is that he's getting discounts.
Speaker 1: Yeah, can at the email right now.
Speaker 2: So and what does it say, d It's say Sandy Beach,
Speaker 2: Oceanfront resort Yacousy, Suite four hundred and fifty dollars retail
Speaker 2: price nine to eighty.
Speaker 1: It doesn't say if it's for the entire five days
Speaker 1: or if that's per night.
Speaker 6: Here's what I'm looking at on their website.
Speaker 7: It's in Florida, it's in the Everglades, and it's called
Speaker 7: Alligator Alcatraz and it's one hundred percent free if you're
Speaker 7: here illegally.
Speaker 2: Look, this doesn't equate wait a sec airfare, This doesn't
Speaker 2: include anything.
Speaker 6: But let's get right down. Let's get right down to
Speaker 6: the heart of the matter.
Speaker 5: Can we help Tim, No, no, no no, because you
Speaker 5: made too many mistakes.
Speaker 1: You just dealt with the demoke another one.
Speaker 6: When these guys are in town wherever at da Hilton.
Speaker 1: Yeah, we can all we can follow.
Speaker 6: We can follow that one up. I'm gonna mark that
Speaker 6: when they're in town.
Speaker 2: Glynn sent him an email yesterday. He says, Hey, I
Speaker 2: just need your payment information. Please give us a call,
Speaker 2: and then he puts in his phone number. So he
Speaker 2: wants to get paid for this hotel and re simply
Speaker 2: air fair and whatever else he's going to sell.
Speaker 1: Tim Brad is a is A is A.
Speaker 6: Yeah, By the way, here's what I think people should do.
Speaker 5: You should call Brad and let him know we have
Speaker 5: his number and let him know we're not going to
Speaker 5: let anybody else fall for it. Again, be nice, don't
Speaker 5: be vulgar. And it's seven zero two four set two
Speaker 5: eighty seven oh nine. Wait wait wait, let me give
Speaker 5: you the number where people answer. Okay, seven oh two
Speaker 5: six six zero zero seven two five.
Speaker 6: Okay. You don't want to burn your Yeah, they're going
Speaker 6: to be calling me back. Yeah, you don't want to
Speaker 6: mess up your chance here, you know, get if you
Speaker 6: want to email Brad.
Speaker 5: If you want to email Brad and let them know
Speaker 5: that we know about their scam. That scam is my word,
Speaker 5: not theirs. Brad at American Savings Network dot com just
Speaker 5: say we heard about you on the Tom Martino Show
Speaker 5: and then put down three oh three Martino in parenthesis.
Speaker 5: And they are talking about a man who pays seventy
Speaker 5: nine hundred.
Speaker 6: Dollars for nothing.
Speaker 5: Now it's Brad at American Savings Network dot com. Go
Speaker 5: with a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 5: You don't pay a cent until you're content. Time for
Speaker 5: an insurance checkup free no obligation comparison call Compass Insurance
Speaker 5: paying too much your coverage at dozens of insurance companies
Speaker 5: find out now three oh three seven to seven to one.
Speaker 6: Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two.
Speaker 6: Hi Tom Martino here.
Speaker 5: Threell three seven one three A two five five Drew,
Speaker 5: Welcome to the show.
Speaker 6: Is this Drew Drew or just Drew? Hello?
Speaker 11: Oh?
Speaker 6: Just did he hang up? We got him pulled up?
Speaker 12: Drew?
Speaker 1: What's up?
Speaker 6: Drew? Was it the Drew that calls often? Or was
Speaker 6: it another drill?
Speaker 7: Let's put it this way. It says he got hurt
Speaker 7: and home depot? What are the chances it's a different
Speaker 7: not just hurt, almost killed in home depots?
Speaker 6: Almost killed? Big difference. I digress.
Speaker 5: Yeah, but Kelly, was this the Drew that calls often
Speaker 5: or regularly?
Speaker 1: Drew from New Jersey? It was?
Speaker 5: Was it?
Speaker 9: How do we know?
Speaker 6: Was it Drew from New Jersey?
Speaker 7: I'm sure he's up right now. I don't know why
Speaker 7: he's playing. Uh, I don't know why he's being true.
Speaker 7: Are you there, Drew, hmmm, maybe he adham minutes. Let's
Speaker 7: let's uh or maybe home depot.
Speaker 5: Let me try to re establish that contact and then
Speaker 5: let's Tim. Really, there's nothing we can do about Tim, Tim,
Speaker 5: we can't. All we're going to tell you is don't
Speaker 5: increase your losses by buying other stuff from them. I mean,
Speaker 5: you know, we got to just on some of these.
Speaker 5: Just tell people the truth. We can't help you.
Speaker 6: You made a big mistake. You made a big mistake.
Speaker 1: Don't throw good money after bad true.
Speaker 6: I mean Tim. By the way, speaking of.
Speaker 5: All of the things we talk about, I have Casey
Speaker 5: with me now from American Financing.
Speaker 6: Come on and Casey are you there?
Speaker 5: Yes, sir Casey, can you tell me what you do
Speaker 5: at American Financing dot net please? I'm well familiar with
Speaker 5: all of the team members. I have not had the
Speaker 5: pleasure of meeting you yet.
Speaker 17: Yes, I'm the general manager yourself.
Speaker 6: Now, Casey.
Speaker 5: The reason I have you on on is there's never
Speaker 5: been a weirder time when it comes to you know,
Speaker 5: smart equity loans or equity loans, consolidation loans and refinancing
Speaker 5: the message A lot of people have is don't bother
Speaker 5: it's too expensive, and some people have found out, well
Speaker 5: it's not too expensive when you consider what you're.
Speaker 6: Paying with credit cards.
Speaker 5: What is your message to people right now with high
Speaker 5: let's take the let's take different categories, people with high
Speaker 5: interest det.
Speaker 17: Yeah, that's a lot of people that were helping. Is
Speaker 17: like you mentioned the credit cards. The credit cards across
Speaker 17: the country are at all times. I's just that the
Speaker 17: economy that we're in right now. And yeah, the interest
Speaker 17: rates on mortgages right now are higher than they were
Speaker 17: a few years ago, but you know, historically they're still
Speaker 17: still in a pretty good spot and a whole lot
Speaker 17: lower than the twenty plus percent that you probatly on
Speaker 17: it occurred. There's there are a lot of people that
Speaker 17: were helping get out of that credit card that right now,
Speaker 17: I'm using their their biggest financial tool, which is their
Speaker 17: house then saving on average about eight hundred dollars a month.
Speaker 6: So they're saving a ton of money every month.
Speaker 5: And then if they choose to when they take out
Speaker 5: that smart equity loan, they can pay that off quicker
Speaker 5: than the regular payments as well as they want.
Speaker 6: But they have the choice.
Speaker 5: They can have breathing room, or they can pay it
Speaker 5: off quicker, it's up to them. But doesn't their credit
Speaker 5: improve immediately.
Speaker 1: In most cases?
Speaker 11: Yes.
Speaker 17: So your credit card is you know, drive from a
Speaker 17: lot of different things, but one thing that does impact
Speaker 17: it a lot is your credit utilization. So when you
Speaker 17: have a credit card that's matched out, it's impacting.
Speaker 6: Your credit a lot.
Speaker 17: Makati obviously, So paying that off, opening up that line
Speaker 17: with your equity from a smart equity loan will free
Speaker 17: up that line of credit which will then earn you know,
Speaker 17: help out your credit score.
Speaker 5: You should so in essence, when we're talking about refining,
Speaker 5: we're talking about two different kinds in my mind, First,
Speaker 5: the smart equity loan where you take just enough to
Speaker 5: get out of that high interest debt and debt that
Speaker 5: has accumulated. And the second is where you refile the
Speaker 5: whole house, the whole mortgage.
Speaker 6: When would it be apropos to do the whole mortgage?
Speaker 17: That's what we do here at American Financing. We have
Speaker 17: a team of you know, mortgage consultants that will do
Speaker 17: a credit or a mortgage review of you. For some people,
Speaker 17: it makes sense to stick with your mortgage and pull
Speaker 17: out that smart equity heat loan or second line or
Speaker 17: whatever you want to call it. And sometimes it makes
Speaker 17: more sense of the refinings. You just have to take
Speaker 17: a look at the whole picture together. It's going to
Speaker 17: take into account. You know what your rate is on
Speaker 17: your current mortgage, maybe you've got one of the super
Speaker 17: low interest strikes a few years back, maybe make it's
Speaker 17: more sense as a smart equity loan. But at the
Speaker 17: same time, if you don't have the lowest rate, or
Speaker 17: if you have a balance on your current mortgage that's
Speaker 17: not that high compared to what you would be taken
Speaker 17: out to pay off their credit cards, sometimes the refinances
Speaker 17: all whole make sense.
Speaker 9: And that's what we always do.
Speaker 17: We always take a look at the whole picture, and
Speaker 17: you know the way to the pros and the cons
Speaker 17: of each and see what makes more sense for each
Speaker 17: particular person.
Speaker 5: And there is something that is very tricky, but it's
Speaker 5: really something people should look at, and it's a blended rate.
Speaker 6: I'm going to try to explain it. You can take
Speaker 6: a shot at.
Speaker 5: But the blended rate means that let's just say you
Speaker 5: have a low rate mortgage right now, Let's say you
Speaker 5: have a four percent mortgage and that's a good rate,
Speaker 5: but you have a lot of high interest debt. And
Speaker 5: then let's say you have other debt, or maybe you
Speaker 5: have deferred maintenance on your house or whatever, and you're
Speaker 5: deciding what to do. Let's say you decide to refi
Speaker 5: the entire loan and pull some cash out for some
Speaker 5: referred maintenance pay off the high interest at now you have.
Speaker 6: A new loan.
Speaker 5: The new loan, even though might seem higher, obviously it'll
Speaker 5: be higher than four percent right now, but it may
Speaker 5: be lower. The new rate might be lower than what
Speaker 5: you're paying now in what's called a blended rate. And
Speaker 5: a blended rate is kind of all of the interest
Speaker 5: you're paying on a monthly basis. It takes into consideration
Speaker 5: your low mortgage, but also high credit card and other bills.
Speaker 5: And sometimes people end up, if they listen to you, guys,
Speaker 5: and you do the math, it's they end up actually,
Speaker 5: even though the house mortgage is higher, their overall blended
Speaker 5: rate on all of their debt is lower.
Speaker 6: How do you get that concept across?
Speaker 17: I mean, I think you explained it pretty well there.
Speaker 17: That's exactly what it is, and that's what I was
Speaker 17: alluding to. Four when I said we would take a
Speaker 17: look at all the different scenarios, is where does that
Speaker 17: blended rate come in at. There's a bunch of different
Speaker 17: online calculators where you just simply type in your balance,
Speaker 17: the current interistrate for all your different things. That calculates
Speaker 17: and then tell you what your blended rate is. And
Speaker 17: with your eye interest, credit card, debt, or even if
Speaker 17: you take out a you know, personal loan that you're
Speaker 17: seeing a lot of people have these days, those are
Speaker 17: very high interest rates. So when you put those into
Speaker 17: a blended calculator, even if you have those amazingly low
Speaker 17: interest rates, for me, figures back on your mortgage right
Speaker 17: blended overall picture, it's going to be a much higher
Speaker 17: number than than you could get right now on a mortgage.
Speaker 5: Typically because what we're what we're looking at is the
Speaker 5: total outlay of interest, which is really doesn't go to
Speaker 5: build any wealth whatsoever. So obviously, with interest, which is
Speaker 5: really your renting of the money, your use of the money,
Speaker 5: you want it to be as low as possible because
Speaker 5: it's not building any wealth, it's simply maintaining the debt.
Speaker 5: And that's something people really need to know, you know,
Speaker 5: Casey I've seen people that have a lot of equity
Speaker 5: on their home, but they're afraid to touch it because
Speaker 5: of the higher second rates. But typically, what have you
Speaker 5: seen in real cases where people have finally given in
Speaker 5: and consolidated.
Speaker 6: Do you have any examples of savings?
Speaker 11: We do it.
Speaker 17: We calculate that and keep track of what we have
Speaker 17: as a whole. And on average right now, when you're
Speaker 17: taking the people that are doing the debt consolidation, like
Speaker 17: I said, that's on average about eight hundred dollars a
Speaker 17: month summer higher, summer lower. Obviously that's that's how averages were.
Speaker 17: But on average right now people are saving about eight
Speaker 17: hundred bucks in their confolid they didn't want.
Speaker 6: To get it now.
Speaker 5: This is something maybe American financing you don't talk about directly,
Speaker 5: but I can talk about it. And that is when
Speaker 5: you get approved at American financing for a certain amount,
Speaker 5: you're able, like if it's a line of.
Speaker 6: Credit for example, or a second just a straight second.
Speaker 5: Sometimes people are better off instead of just paying off
Speaker 5: every single balance, negotiating some of those balances, because if
Speaker 5: you're a little behind on on the eight ball, you've
Speaker 5: you've accumulated a little much and you call a credit
Speaker 5: card issuer or you call them, they will sometimes settle
Speaker 5: for less than one hundred percent. You have you experienced
Speaker 5: that where people use the money they get from American
Speaker 5: financings a smart equity loan or loan to negotiate settlements
Speaker 5: Like you.
Speaker 17: Said that outside of our real that's not something we
Speaker 17: could help facilitate with you for you. But yes, I
Speaker 17: I've had on borrowers that have taken that money and
Speaker 17: use it to their advantage on Cassie Sky. So when
Speaker 17: you have that line right, stay here. You know, what
Speaker 17: are you willing to work with?
Speaker 5: Exactly a lot of times I was working. The reason
Speaker 5: I brought that up, I was working with an attorney
Speaker 5: who does that.
Speaker 6: Mike Wink is one of them that does it on.
Speaker 5: Our refer list, and he said, if you get yourself
Speaker 5: a line of credit or a second or if you
Speaker 5: have and we were trying to help this young woman
Speaker 5: and you have the money available and I know it's available,
Speaker 5: I can then go out and make settlements with people.
Speaker 5: And since it's after you get the mortgage, it doesn't
Speaker 5: affect your credit. You already got the mortgage, And there's
Speaker 5: nothing wrong with negotiating settlements. But having the strength of
Speaker 5: the money and you know you have that pot of money,
Speaker 5: gives you the strength to negotiate settlements. And again, these
Speaker 5: are people we're talking about people Casey with a lot
Speaker 5: of debt. Now you deal with people in all walks
Speaker 5: of life with a lot of debt and some that
Speaker 5: have just accumulated a certain amount.
Speaker 6: What have you have you gone back and looked at what.
Speaker 5: The average is for high interest debt these days with
Speaker 5: people on your customer base.
Speaker 17: Like you said, it's all all over the place. And
Speaker 17: I mean credit If you're talking about the interest rates
Speaker 17: on credit cards, they're they're pretty higher right now, as
Speaker 17: everybody knows. But there's yeah, there's people that have you know,
Speaker 17: you know, it's all over the place. And some people
Speaker 17: have ten thousand dollars in credit card debt. There's people
Speaker 17: that have one hundred thousand dollars plus. So there's there's
Speaker 17: all different types out there. And it's not just debt too.
Speaker 17: There are people that you know, want to put a
Speaker 17: swimming pool in their backyard, want to finish their basement
Speaker 17: out right, There's a bunch of different people that are
Speaker 17: looking at stuff for a full different reasons. Yes, the
Speaker 17: debt is a is a huge piece right now, just
Speaker 17: because again of the community they're brand But there are
Speaker 17: people that are doing doing all right, don't have the debt,
Speaker 17: that are still looking to to access the money for
Speaker 17: different reasons as well.
Speaker 5: All right, we have more on this and any of
Speaker 5: your questions you have. I had a couple people text
Speaker 5: me while I'm talking to you. This is Casey front,
Speaker 5: the GM of sales at American Financing dot net, and Casey,
Speaker 5: I'm sorry I didn't attempt your last name.
Speaker 6: Can you pronounce it for me?
Speaker 17: Yes, Casey sportscough schwartz cough.
Speaker 6: Oh that's not bad.
Speaker 14: We have more.
Speaker 6: We have more coming up on the Troubleshooter Show.
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Speaker 5: dot com. You don't pay a cent until you're content,
Speaker 5: wait time for an insurance checkup free, no obligation. In comparison,
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Speaker 5: seven to one help.
Speaker 12: You'll think you're his only customer.
Speaker 5: When you choose Frank durand the Real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two. Hi Tom Martino here,
Speaker 5: we're talking to Casey Schwartzkov with H He's the general
Speaker 5: manager over a sales at American Financing. I've been doing
Speaker 5: a lot of advertising for American Financing because when we
Speaker 5: first started talking, and I talked to Ryan and over there,
Speaker 5: and we said, you know, there's never been a more
Speaker 5: confusing time in the mortgage business. I mean, some people
Speaker 5: just say, oh, you can't get a mortgage, it's too expensive.
Speaker 5: What they don't understand is that you can still use
Speaker 5: the equity in your home to get out of high
Speaker 5: interest debt. And when you get that portion of your
Speaker 5: equity to pay off that high interest debt, you're immediately
Speaker 5: making money because you get when you get rid of
Speaker 5: fourteen percent debt and let's no not what am I
Speaker 5: saying fourteen some of it's up to twenty to twenty
Speaker 5: four percent. When you get rid of twenty four percent debt,
Speaker 5: and let's say you substitute it with a six percent
Speaker 5: debt or a seven percent debt, you're saving that seventeen
Speaker 5: or eighteen percent a month. You're saving it that that's
Speaker 5: truly not money going out of the spickett, so you're
Speaker 5: saving the money.
Speaker 6: The same with home improvements.
Speaker 5: You know, if you go to a vendor that is
Speaker 5: offering fifteen and sixteen percent on these, you know, buy
Speaker 5: her pay here, that's not necessarily a good deal. You
Speaker 5: can put those home improvements into home equity. So casey,
Speaker 5: basically the store still open. People still need to get loans.
Speaker 5: So I have one this one here. Someone wants to
Speaker 5: know what kind of credit do they need for a
Speaker 5: smart Equity loan.
Speaker 17: We often for all different types of programs like syby,
Speaker 17: to take a look at it to see exactly what
Speaker 17: makes most sense in your situations. We do have programs
Speaker 17: that go down as low as a five her credit school.
Speaker 6: See that's incredible.
Speaker 5: Now, obviously you have to match the program with your situation.
Speaker 6: But here's the important thing.
Speaker 5: If they do approve you at American Financing and you're
Speaker 5: in the loan and start making your payments, your credit
Speaker 5: will go up. I have a text here from someone
Speaker 5: who said they got a Smart Equity loan. They paid
Speaker 5: off twelve thousand dollars in debt, and because they weren't
Speaker 5: making those minimum payments and saving money, they started paying
Speaker 5: extra and they're almost done now, completely out of credit
Speaker 5: card debt in a little over a year, Casey, And
Speaker 5: it would have taken them what it would have taken
Speaker 5: them maybe ten years if they were doing minimum payments.
Speaker 17: Probably even longer than that. And then yeah, when we're
Speaker 17: talking about the monthly saving, those are minimum payments, and
Speaker 17: as you know, minimum payments on credit cards barely touched
Speaker 17: the principle.
Speaker 9: Most that just goes to interest.
Speaker 17: Yeah, even if you just continue with the same payment,
Speaker 17: I guess that equity loan versus the credit card A
Speaker 17: you're going to have it paid off tremendously faster.
Speaker 5: And someone wants to know about as far as loan costs,
Speaker 5: can any of them be built into the loan.
Speaker 17: Yes, absolutely, And American Financing we're one of the fue
Speaker 17: leaders out there that to try to include every single
Speaker 17: post size of the one. Even that crazy, I know
Speaker 17: most people are.
Speaker 5: Are you still there, case I'm sorry, I think you
Speaker 5: dropped out there. Is he still there, Casey? I think
Speaker 5: something got disconnected there, So let's try to Okay, we'll
Speaker 5: reconnect during this break.
Speaker 6: And one real quick, James, you have an issue.
Speaker 5: With a car injury with an injury in a car accident.
Speaker 6: We have John Fuller with us. What's the issue, man.
Speaker 15: Well, I don't know. I may have screwed myself because
Speaker 15: I was going north on twenty five and the guy
Speaker 15: ran into thet of me at about twenty miles an hour.
Speaker 9: We pulled over.
Speaker 15: I took a picture of his license He didn't he said,
Speaker 15: I had to take a picture of his insurance company's card.
Speaker 11: He didn't have.
Speaker 15: He couldn't reach his insurance company. And I took a
Speaker 15: picture of his license plate and it expired me twenty
Speaker 15: twenty four and this was last Thursday, and he had
Speaker 15: to go, he said.
Speaker 5: And I also, well, okay, we're going to talk about this.
Speaker 5: Hold on because there may be you may have a
Speaker 5: big problem on your hands. I'm Tom Martino. Go with
Speaker 5: a sure thing Denver's Best roofer Excel roofing dot com.
Speaker 12: You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup, free no obligation comparison call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies find out now three oh three, seven seven
Speaker 5: to one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martino here
Speaker 5: three three seven one three talk seven one three eight
Speaker 5: two five five Casey shortcross with us from American Financing
Speaker 5: and somebody wanted to know about the uh casey the
Speaker 5: application process. Okay, how do they get started? What do
Speaker 5: they expect?
Speaker 6: Is it online?
Speaker 5: Do they have to go in?
Speaker 6: Walk us through the process.
Speaker 17: He is a great our website at American Financing dot net.
Speaker 17: Or give us a call may number. Here's three zero
Speaker 17: three six ninety five seven thousand. We'll walk you through It.
Speaker 17: Takes about ten minutes on an initial phone call for
Speaker 17: us to get your information, kind of get your goals
Speaker 17: in mind, and then we run different scenarios for you.
Speaker 17: You're more than welcome to come into our office here
Speaker 17: in Aurora if you would like. But at the same time,
Speaker 17: we do the majority of it online. Most of our
Speaker 17: customers just prefer to keep it that way.
Speaker 6: We can.
Speaker 17: We can do pretty much everything except for the closing
Speaker 17: fully revote.
Speaker 6: So let me get this straight.
Speaker 5: If I go to American Financing dot net, I can
Speaker 5: actually start and complete an application.
Speaker 17: You can put your initial information online. What it'll do
Speaker 17: is it'll queue up and we'll give you a call
Speaker 17: in and gather the rest of the information for you.
Speaker 6: I actually like that better. I actually like that better.
Speaker 5: So I go online, start the application process, and a
Speaker 5: counselor from American Financing will then call me and help
Speaker 5: me finish it. Yep, absolutely, And the whole process will
Speaker 5: take about ten minutes, a few minutes online by yourself maybe,
Speaker 5: and then by the time you get to a rep
Speaker 5: it's about ten minutes. Then once the application is complete,
Speaker 5: how long does it take to get approval or denial?
Speaker 17: Every every scenario is different, depending on you know, the credit,
Speaker 17: the income, all that kind of stuff. It takes different amounts.
Speaker 17: But we can do once you do that first initial call,
Speaker 17: get down the information you give us a couple of hours,
Speaker 17: we can work up the different scenarios for you, go
Speaker 17: over those with you online and let you know whatever
Speaker 17: game looks like. And then at that point, once we're
Speaker 17: ready to move forward, we we you know, gather your
Speaker 17: documents and get your filing the processing towards the actual approval.
Speaker 17: But but again we can get your numbers same day,
Speaker 17: within it within a few hours.
Speaker 5: So really within a few hours the bulk of the
Speaker 5: work is done and then you get your official approval.
Speaker 6: Then what what does closing look like?
Speaker 17: Closing is done, There are some documents that have to
Speaker 17: be signed in person, so there is a closing that
Speaker 17: takes place in person. Usually again up to the customer
Speaker 17: and what they want, but we can come out to
Speaker 17: your house. It's just a notary that comes up gets
Speaker 17: everything signed for you. Once everything's signed, you have a
Speaker 17: three day time period until we can fund the loan,
Speaker 17: and then the loan funds after that, that's when you
Speaker 17: get your cash to do whatever you want.
Speaker 5: And Casey, according to this one and that texted me,
Speaker 5: said they literally never left the house. They went online,
Speaker 5: they talked to American Financing, they were given approval the
Speaker 5: next day, They had a notary out to their house.
Speaker 5: Within a week, literally comes to their house in fifteen minutes,
Speaker 5: had it done.
Speaker 17: Yeah, we make the process super simple. We are able
Speaker 17: to electronically find a lot of the closing documents, so
Speaker 17: before that person even gets to your house, the majority
Speaker 17: of the documents are signed. They just sat down and
Speaker 17: signed a few. They need to be signed in person,
Speaker 17: super simple, short process and.
Speaker 5: Then you can get your cash you need to Someone
Speaker 5: wants to know do you make the dispersements to credit
Speaker 5: cards or do you leave it in a line of
Speaker 5: credit for the consumer to deal with?
Speaker 6: How does that work when you're.
Speaker 5: Taking it out specifically to pay off high interest credit.
Speaker 17: Everybody scenario is different. If you haven't qualify with just
Speaker 17: get in the lump sum. We'll make it simple before
Speaker 17: you give you the lump sum and you can pay
Speaker 17: it off. Some people do need to pay off some
Speaker 17: of the debt to qualify, and if it's one of
Speaker 17: those scenarios where you need to pay it down to qualify,
Speaker 17: then we would get the money made out directly to
Speaker 17: those creditors to be paid directly.
Speaker 5: Okay, so that's Casey Schwartzkoff from American Financing dot net.
Speaker 5: Give them a call and get in on this and
Speaker 5: start wealth building three oh three six nine five seven thousand.
Speaker 5: Three oh three six nine five seven thousand Americanfinancing dot net.
Speaker 5: Go with a sure thing Denver's Best Roofer Excel roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up, free, no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies. Find out now three oh three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two.
Speaker 11: Ripped.
Speaker 12: You need advice so you don't have you come run
Speaker 12: in just as fast as we can.
Speaker 6: Shooter's gonna help.
Speaker 4: Come man, This is the Troubleshooter Show. No Tom Martinez.
Speaker 5: Hello Tom here, and we have Major Mark Major at
Speaker 5: my side along with John Fuller, personal injury attorney and
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Speaker 6: Hey, Drew is with us now and has a complaint. Drew,
Speaker 6: what's going on with you?
Speaker 18: Well, it happened eight days ago. It's very hot here
Speaker 18: a New Jersey, and I'm an old man seventy eight
Speaker 18: years old. Federal Court to sable. I'm crippled because I
Speaker 18: got there's a pedestrian, so anybody can see them crippled.
Speaker 18: I went to home depot first thing in the morning
Speaker 18: and I told him you can see them crippled. I
Speaker 18: cannot install an air conditioner. I need to buy one
Speaker 18: and get installed. Show me how to use it today,
Speaker 18: hive six seven times. I repeated. They said yes, but
Speaker 18: they committed fraud. They just stumped it in the driveway
Speaker 18: and I was literally dying of heat. I called up
Speaker 18: the East Hanover Police. They saved my life. They came in.
Speaker 18: I collapsed on astar from the heat. He go them
Speaker 18: picked me up. Well, the third one installed the air conditioner.
Speaker 18: They saved my life. And Home Depot was corrupt. In
Speaker 18: my opinion, they committed fraud. When I called him back
Speaker 18: to install and correct their mistake, they didn't care.
Speaker 5: So Drew, let's examine this. You went Home Depot to
Speaker 5: buy an AC and they sold you on. And where
Speaker 5: did they become corrupt? Did you have a contract with
Speaker 5: them to install it.
Speaker 18: There was the assistant manager who said they would install it.
Speaker 18: I repeated it. He said yes. He sent me over
Speaker 18: to lay a big lady and.
Speaker 5: She so they promised, They promised you they would help
Speaker 5: you install it.
Speaker 18: Yes, where they were tricky. They gave me the were
Speaker 18: a seat with the two hundred and ninety eight dollars
Speaker 18: I paid, and a little signe print they checked off outside.
Speaker 18: They didn't tell me. They didn't show me. Okay, we're
Speaker 18: going to deliver, install and show me how to see.
Speaker 5: So there was the receipt actually shows they were going
Speaker 5: to drop it off.
Speaker 18: Yes, but the pages two and three, who agree to
Speaker 18: the contract, you have to sign it initially andated I
Speaker 18: didn't sign it because they never showed me anything. All
Speaker 18: they were trying to do was give me to buy
Speaker 18: their conditioner. Tell me any lie they came to.
Speaker 5: Do you really believe they were hurting that much to
Speaker 5: sell an air conditioner.
Speaker 11: That they did that?
Speaker 9: I don't know.
Speaker 6: I can't under an eighty dollars air conditioner. Drew. You understand, Drew.
Speaker 5: You listen, We've had our We've had our agreements and
Speaker 5: disagreements over the years, and truly I listen to you,
Speaker 5: honest to God, with an open mind. But I really
Speaker 5: believe sometimes you're finding trouble where yes, there is trouble,
Speaker 5: but no, there isn't necessarily accountability.
Speaker 18: What do you feel they owe Colorado?
Speaker 6: Well, it doesn't what okay, what do you believe they
Speaker 6: owe you? Right now? Home Depot?
Speaker 18: Well, I don't know. I was going to ask you
Speaker 18: the same thing, but I collapsed on the ground. I
Speaker 18: nearly died. Police saved my life. The police told me
Speaker 18: to call Home Depot again, so I called him repeatedly.
Speaker 18: They didn't care, Tom, they didn't care, So just get
Speaker 18: the sale and the heck with the customer.
Speaker 10: Drew.
Speaker 7: I do want to say this though, I mean, Drew,
Speaker 7: it looks like you finally did go number two? Last
Speaker 7: time you called, you had a problem with the pharmacist.
Speaker 12: Yeah, what happened with that?
Speaker 11: Gave you?
Speaker 6: What happened with that one?
Speaker 18: Anymore?
Speaker 6: What happened with that one?
Speaker 11: Drew?
Speaker 18: We're the best of friends. We had a lovely conversation yesterday.
Speaker 6: Did he do anything for you?
Speaker 9: Yeah?
Speaker 18: He shows me where the medicines are advises me.
Speaker 5: Okay, but did you did you you wanted us to
Speaker 5: call the owner of the pharmacy and you thought he
Speaker 5: might help pay for your injuries.
Speaker 18: I don't think that's relevant. What's relevant his home depot
Speaker 18: is probably doing to other people and it should be investigated.
Speaker 5: Okay, Okay. So here's what would be wrong, and I'm
Speaker 5: serious about this, Drew. If you went there to buy
Speaker 5: an AC and they told you, yes, we will install it,
Speaker 5: but then they checked something else off. Do you have
Speaker 5: any proof they told you they would. They admit it
Speaker 5: that they promised to install it.
Speaker 18: The only proof I have is it's a three page
Speaker 18: sickument and for it to be legal you have to
Speaker 18: sign it and date it. It's not sign it's not
Speaker 18: dated because they never shown it to me. All they
Speaker 18: said was received for the money paid.
Speaker 6: All right, so what do you want? Let's ask that question.
Speaker 5: I know what the problem is now, you feel that
Speaker 5: home Depot lacked a breach to contract with you to
Speaker 5: install the AC.
Speaker 6: You almost died. By the way, who ended.
Speaker 5: Up installing the AC the police, They actually installed it
Speaker 5: for you.
Speaker 18: Yes, and they picked me up off the ground. I
Speaker 18: nearly died. CBS News was here. They interviewed me for
Speaker 18: thirty five minutes.
Speaker 5: Was it on the news? Was it on the news?
Speaker 13: I don't know.
Speaker 18: I don't watch TV.
Speaker 6: Okay, So how are you doing now after this incident.
Speaker 18: I'm doing okay now, and I really I am very
Speaker 18: impressed with the police. They saved my life. They wrote there.
Speaker 18: I have their names. I gave their names to CBS,
Speaker 18: and I think that Home Depot. My suggestion is you
Speaker 18: guys should make a phone call. Let Mark make a
Speaker 18: phone call or somebody.
Speaker 5: And we got John here today, John Fuller as a
Speaker 5: personal injury attorney. I know he's going to say, you
Speaker 5: don't have a case. I mean, because you don't. They
Speaker 5: dropped off an air conditioner. They can't be blamed for
Speaker 5: what happened after that.
Speaker 6: Yeah, I mean, yeah, this sounds terrible. I understand that, Drew.
Speaker 5: But they listen, if you bought an AC and they
Speaker 5: delivered it, they can't be blamed for what happened after
Speaker 5: they delivered it. The fact that you fainted in the
Speaker 5: heat is not their fault.
Speaker 6: So I don't know how they do Home Depot up
Speaker 6: there where Drew is.
Speaker 13: But I have never seen a home Depot personnel installed anything.
Speaker 6: They use subs for that. They only act as a
Speaker 6: coordinator to hire some No, that's true.
Speaker 13: Fact or so just the premise that that home Depot
Speaker 13: was going to come out and install this thing when
Speaker 13: I just don't.
Speaker 6: I don't buy the premise.
Speaker 5: So no, no, But but Drew, here's the point I
Speaker 5: want to make, and I want to help. I want
Speaker 5: you to help me understand. Why is home Depot responsible
Speaker 5: for you passing out in the sun?
Speaker 18: Because my place was like and I told them that,
Speaker 18: I said I need this delivered today and then Sam
Speaker 18: and shown how to use it. You can't do that.
Speaker 18: I'm not buying. I'll go elsewhere well to make hell
Speaker 18: they line and line and line and line.
Speaker 6: Okay, And I don't.
Speaker 7: Think anybody that works at home Depot, Drew, and I
Speaker 7: mean this, I don't think they give a crap about
Speaker 7: a two hundred and eighty dollars sale. If you were
Speaker 7: buying Home Depot itself, maybe they'd care.
Speaker 13: If you can't walk in there and say here are
Speaker 13: my conditions, or else I'm gonna walk. Okay, you have
Speaker 13: to come to my house, install it and show me
Speaker 13: how to operate it, or I'm out of here.
Speaker 6: I'm not gonna buy it.
Speaker 7: I bought a bunch of wood there last year and
Speaker 7: they delivered it, but they didn't build the DNA.
Speaker 13: You're gonna come to my house and build a deck
Speaker 13: and then put stain and everything else on it.
Speaker 6: And or else I'm going to walk, Drew. I don't think.
Speaker 6: I'm telling you with all seriousness.
Speaker 5: Drew, I don't think we can hold Home Depot responsible
Speaker 5: for anything that happened that day they dropped.
Speaker 6: Off the air.
Speaker 18: I admit to you, and yes, we did promise and
Speaker 18: we were going with and we didn't hold on.
Speaker 5: Okay, then if that's the case, then you would be
Speaker 5: due some kind of money toward the installation.
Speaker 6: But you didn't pay for the installation or.
Speaker 18: Give the money to the police.
Speaker 5: That's why I'm asking, Drew, what what do you want?
Speaker 5: That's what I'm asking you. Let's say you're right and
Speaker 5: home Depot lied to you, what do you think you
Speaker 5: deserve as a result. I always say this at the
Speaker 5: end of every call. I always say this, so therefore
Speaker 5: fill in the blank. So, okay, home Depot lied to
Speaker 5: me about the air conditioner, So therefore.
Speaker 18: So therefore give them money to the police.
Speaker 6: What money?
Speaker 18: What money, fear or whatever it is?
Speaker 6: Okay, So you on us to call.
Speaker 5: Over there and tell them that because they did not
Speaker 5: install it, they should give the money to the police
Speaker 5: who did install it. Then the next question is going
Speaker 5: to be how much did Drew pay for the installation? Drew,
Speaker 5: do you know that if you were going to have
Speaker 5: it installed it would have been extra, right, it would
Speaker 5: have cost more.
Speaker 13: Hold on, Tom, what what kind of unit is this?
Speaker 13: Is this just a window unit? Are we talking literally?
Speaker 13: The installation is to pick it up, set it in
Speaker 13: the window, and plug it in right right, Yes, I
Speaker 13: understand that, But but that that tasked alone. How much
Speaker 13: were they going to charge you for that?
Speaker 18: The lady said to me, because I'm crippled.
Speaker 13: Okay, So okay, he was going to wave it for
Speaker 13: free and come out and deliver and see I'm just
Speaker 13: not buying it.
Speaker 18: That's not something, and I don't care if you're not.
Speaker 18: You're a jerk whoever you are. Okay, it's a true story.
Speaker 18: Police came out, got their names. They wouldn't have come
Speaker 18: out of face On was lying.
Speaker 6: I'm not saying that you weren't Drew, but nobody Drew.
Speaker 5: Nobody is denying your story that you almost fainted and died.
Speaker 6: I think they owe you anything in this particular circumstance.
Speaker 13: We're just saying that it's It would be outside of
Speaker 13: the realm of normal possibilities that Home Depot would have
Speaker 13: committed to have installed anything an air conditioned or otherwise,
Speaker 13: even given your condition. It would be a totally gratuitous
Speaker 13: act on the on the part of one of their staff.
Speaker 13: But it wouldn't be something that somebody acting on behalf
Speaker 13: of Home Depot would have committed them to themselves to do.
Speaker 6: Period.
Speaker 18: It was this idiot on.
Speaker 6: He's a personal he's a personal injury attorney. Sorry, what
Speaker 6: are you talking about, Drew?
Speaker 12: Why are you calling names like that?
Speaker 6: That's not nice.
Speaker 18: Three women were child at a party last night. This
Speaker 18: is New Jersey, it's not Colorado.
Speaker 6: What does that have to do with anything the laws.
Speaker 6: The law bro got me on.
Speaker 18: That one loss a law they lied to a sale.
Speaker 6: No, they didn't know, they didn't.
Speaker 18: You guys could phone it up. And by the way,
Speaker 18: you're saying I'm wrong on.
Speaker 6: This, Tom, I'm not saying you're wrong. I'm not saying
Speaker 6: you're wrong. You're way off on this. Now here's what
Speaker 6: I'm saying. Listen to me carefully, Drew Arry.
Speaker 7: This is like when you walked into a tailgate on
Speaker 7: someone's truck and wanted to sue the truck.
Speaker 18: Drew, bring up by crazy mar True. He said to me, Tom,
Speaker 18: you want with that? And you said how much? I said,
Speaker 18: two hundred dollars?
Speaker 6: And how about this last one?
Speaker 15: Drew?
Speaker 6: Do you remember this?
Speaker 18: I can't go number two anymore. You made it been
Speaker 18: with me, Tom, I have the pay true? True, I
Speaker 18: got true thousand dollars. You gotsn of all that?
Speaker 5: Suff where'd you Oh wait, wait, did you settle? Wait
Speaker 5: a minute, seriously, did you settle for forty grand?
Speaker 11: Yes?
Speaker 15: You want me dollar?
Speaker 18: If that we made?
Speaker 6: And where did you get? Where did you get? Which
Speaker 6: one is that that you settled?
Speaker 18: That's one in the car was rare ended and I
Speaker 18: had minor damages, and I said, the one that Mark
Speaker 18: is making fun.
Speaker 6: Of where you ran into the tailgate.
Speaker 18: I didn't walk into a tailgate.
Speaker 5: It was Mark lak u Kon and the tailgate came
Speaker 5: up and hit him. Drew, I hope you understand. Listen carefully.
Speaker 5: I am not making fun of you. I just disagree
Speaker 5: with you on some of your premises. I believe what
Speaker 5: happened to you at home depot. I believe you went there,
Speaker 5: and I believe that they said, well get it out
Speaker 5: there today, and you misunderstood it that they were going
Speaker 5: to install it.
Speaker 18: I don't think you repeated it about seven times because
Speaker 18: it was an emergency. I couldn't breathe, and I said,
Speaker 18: I'm not trying it unless you agree to install it
Speaker 18: and show me how to use it. And seven six times,
Speaker 18: you know what.
Speaker 6: I even believe that that they might have exaggerated.
Speaker 5: I don't think now the individual salesperson might have done
Speaker 5: it to make a sale. But even but even so,
Speaker 5: you would have an impossible way for it be impossible
Speaker 5: to prove it.
Speaker 6: That's all we're.
Speaker 18: Saying, Drew, to find out if.
Speaker 6: They promise, okay, hold on, hold on is Chopper in
Speaker 6: the studio. Yes, I'm Shopper. He's gnawing on Shopper. I
Speaker 6: want you to call No hold on Drew, hold on everyone.
Speaker 5: I want Chopper to call, and I want him to
Speaker 5: make an inquiry if they promised to install it and
Speaker 5: did not.
Speaker 6: We'll do that.
Speaker 5: But listen, Drew, seriously, you're always honest to God, you're
Speaker 5: always on the war path with someone. I do listen
Speaker 5: with my ears.
Speaker 18: Police have the ID for the woman who lied. She
Speaker 18: was a big minority woman.
Speaker 5: What is he talking about now? God, we got to
Speaker 5: take it aver. I don't even know what the hell
Speaker 5: he's talking about now, A big yeah, a big old
Speaker 5: minority woman. Anyway, we got more coming up. Go with
Speaker 5: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 5: You don't pay a cent until you're content. Time for
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Speaker 12: You'll think you're his only customer.
Speaker 5: When you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martine, you're troubleshooter.
Speaker 6: Frank ran in real estate man.
Speaker 5: I'm giving you that name because he will do an
Speaker 5: analysis of your home and what it will sell for
Speaker 5: on the market. Right now, a lot of people are
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Speaker 5: Frank randereal Estateman dot Com three h three nine two zero,
Speaker 5: sixteen twenty two. Laura has a problem with well, hold on, no, no,
Speaker 5: I got to go back to James. I'm so sorry
Speaker 5: I left off with James because Drew called. He was
Speaker 5: rear ended on I twenty five going north. They pulled
Speaker 5: over and he took a pick of the other guy's license.
Speaker 6: Did he take a picture of his driver's license or
Speaker 6: just the plate.
Speaker 15: Driver's license and the plate.
Speaker 6: Good deal, Okay, good good. So what's going on today, James?
Speaker 15: I called his supposed insurance company. I got no answer
Speaker 15: back from them, and I have pain in my neck
Speaker 15: and my leg since then, and I just don't know
Speaker 15: what to do.
Speaker 6: Well, you need to call John. I mean, I'll tell
Speaker 6: you what to do. Why wouldn't you call it? What
Speaker 6: you do, John, tell me what you would do in
Speaker 6: a case like this, James, what do you do in.
Speaker 5: A case like this where what if the guy just
Speaker 5: denied it happened altogether?
Speaker 6: Well, sometimes that happens. But James, who is the insurance company?
Speaker 6: We're dealing with.
Speaker 15: A rocket or something? It was not familiar with me,
Speaker 15: and and it wasn't his he couldn't show it was.
Speaker 6: Are you saying he was in a work truck it
Speaker 6: was a commercial policy, No.
Speaker 15: It was he was in his own I guess, private vehicle.
Speaker 15: It was an Audi Q three.
Speaker 6: Okay, So here's here's the situation.
Speaker 13: I mean, we you know, sometimes it's tough to get
Speaker 13: a hold of these companies, but we've we've been able
Speaker 13: to get a hold of most of them over the years.
Speaker 13: If the guy has insurance, we're going to be you know,
Speaker 13: mostly fine, and we'll be able to track them down.
Speaker 13: If you have insurance and we have full coverage and
Speaker 13: we have the option of at least starting the claim
Speaker 13: on your insurance. They have resources that we don't even
Speaker 13: have access to that can somehow see the existence of
Speaker 13: these other policies and assist us in actually getting to them,
Speaker 13: because any money that they don't have to pay, they
Speaker 13: prefer to not pay, and they'll actually help us find
Speaker 13: the exact policy that we're looking for on the other side.
Speaker 6: So we do have that option.
Speaker 13: Now, if you only have liability that complicates things a bit.
Speaker 13: That might put you in a position to where we
Speaker 13: have to track this person down and actually serve them
Speaker 13: and file a lawsuit against them to pursue your damages.
Speaker 13: As far as your injuries go. Then I don't know
Speaker 13: anything about you. But if you have the mandatory medical
Speaker 13: payments coverage on your policy, that's going to be step
Speaker 13: one to help you get some coverage. And then secondly,
Speaker 13: if you have private health insurance such as Medicaid, Medicare
Speaker 13: or even a private policy, that's going to be your
Speaker 13: secondary fallback for getting the care that you need. The
Speaker 13: rest of it we can take care of once we
Speaker 13: figure out this insurance.
Speaker 6: James, do you know if you have you?
Speaker 5: I am.
Speaker 6: Do you know your auto coverage?
Speaker 11: Yes?
Speaker 10: I have you I am good.
Speaker 13: So you're going to be covered, James, no matter what,
Speaker 13: even if this guy had no insurance at all, but
Speaker 13: you did the due diligence of getting those photographs of
Speaker 13: his of his insurance card and his license, you're going
Speaker 13: to be totally fine on your own insurance. And if
Speaker 13: it turns out he's got coverage, they're going to find
Speaker 13: that coverage and help us make the contact.
Speaker 6: We need to file the claim in the right place.
Speaker 7: When you go when you go after in a way
Speaker 7: like this, you're kind of going after your own insurance
Speaker 7: company because you bought the coverage. If someone hits you
Speaker 7: that's under insured or has no insurance, your insurance company
Speaker 7: steps up and basically pretends to be them.
Speaker 9: Yeah.
Speaker 6: So do you still need Do you still need an
Speaker 6: attorney at that point?
Speaker 9: Yeah?
Speaker 13: I think if your injuries are you know, serious injuries.
Speaker 13: We're not just talking a scrape or a bump, but
Speaker 13: a serious injury that needs treatment and evaluation, then I
Speaker 13: do think an attorney on your side is going to
Speaker 13: help you out. Unassure motors is a cool coverage because
Speaker 13: you buy it in the event that somebody else doesn't
Speaker 13: have the right coverage, And so the coolest thing about
Speaker 13: it is when you use it, the state law says
Speaker 13: they can't penalize you for it, and since you've already
Speaker 13: paid for it, there's really no downside to using that coverage. So, James,
Speaker 13: if you want to call my office later on, I'd
Speaker 13: be happy to walk you through in much greater detail
Speaker 13: how that whole process works. But there definitely are avenues
Speaker 13: that you can take to get some get some relief.
Speaker 14: Here more, what's your number?
Speaker 6: Start three three, five ninety seven forty five hundred.
Speaker 7: And that just John as a side note for people listening.
Speaker 7: I mean, we've had this conversation one hundred times. It's remarkable.
Speaker 7: We've had people that have two fifty five hundred in
Speaker 7: liability coverage and do not have you. I am so
Speaker 7: literally they're ensuring everybody else if they mess up, but
Speaker 7: they don't ensure themselves. Because where where does this mentality
Speaker 7: even come from? Is it the insurance companies?
Speaker 13: Well, I think personally this is a consequence of all
Speaker 13: the insurance companies making their insurance renewals and stuff online
Speaker 13: where people are just simply not informed about what the
Speaker 13: importance of these coverages are. I can't tell you how
Speaker 13: many people over the twenty almost four years that I've
Speaker 13: been doing this have sat down in my office and said,
Speaker 13: I have great coverage. I have a million dollar umbrella,
Speaker 13: and they tell me how great their liability coverage is,
Speaker 13: and they don't understand that that liability coverage does not
Speaker 13: cover them or their family one little bit when it
Speaker 13: comes to an accident that wasn't their fault. So it's important.
Speaker 13: Unsure Motorist is a critical coverage. I'm glad that you
Speaker 13: have that on your policy, James. That and medical payments
Speaker 13: are the two coverages I would never go without, and
Speaker 13: I'm glad you have them on your policy. So give
Speaker 13: me a call later on. I'm more than happy to
Speaker 13: help you out or at least guide you in the
Speaker 13: right direction.
Speaker 5: Okay, Okay, I have to take I have to take
Speaker 5: a break. But John, a quick question. Somebody wants to know.
Speaker 5: Do PI attorneys personal injury attorneys get a portion of
Speaker 5: what consumers collect on medpay as part of the total award.
Speaker 6: I have heard of companies that do that.
Speaker 13: I do not, and have not ever charged a penny
Speaker 13: for coordinating and helping out medical payments coverage. If you
Speaker 13: have it, it's your benefit is bought and paid for.
Speaker 13: I'll help you get the best use out of it.
Speaker 5: Oh that's really good to know. And that's John Fuller
Speaker 5: Fuller Law. More right after this, go with a sure
Speaker 5: thing Denver's Best roofer Excel Roofing dot com. You don't
Speaker 5: pay a cent until you're content. Time for an insurance
Speaker 5: checkup free, no obligation. In comparison, call Compass Insurance paying
Speaker 5: too much your coverage at dozens of insurance companies find
Speaker 5: out now three oh three seven to seven to one help.
Speaker 5: You'll think you're his only customer when you choose Frank Durant,
Speaker 5: the real estate man dot com to list your home
Speaker 5: with Remax Alliance three oh three nine two zero sixteen
Speaker 5: twenty two. Hi Tom Martine, you're a troubleshooter zero three
Speaker 5: seven one three talk seven one three eight two five five.
Speaker 6: Uh Drew is back. He said he just talked to police.
Speaker 5: And Uh Drew, what's the latest on your case? Where
Speaker 5: you bought an air conditioner at home depot? You believe
Speaker 5: they intentionally lied to you to make the sale of
Speaker 5: a two hundred and eighty dollars air conditioner at the
Speaker 5: height of a heat wave, and although they couldn't keep
Speaker 5: him in stock, you said, they lied to you to
Speaker 5: get you to buy it immediately, and they dropped it
Speaker 5: off in your driveway, which caused you to almost die
Speaker 5: because it wasn't installed, and the police came and installed
Speaker 5: it for you. And it was a big grigamarole. So
Speaker 5: what's going on, Drew? What's the latest?
Speaker 18: First, you were somewhat supportive, Thank you, because you're wrong.
Speaker 18: When I was in their store, there were one hundred
Speaker 18: air conditioners right there. I'm sold they're trying to get
Speaker 18: rid of them.
Speaker 13: Okay, yeah, okay. You stuck it to him with your
Speaker 13: conditions and they agreed, got it.
Speaker 5: Yeah, I got it. Okay, So keep going. So keep going, Drew.
Speaker 5: What did you call about? Now?
Speaker 6: What about the police?
Speaker 18: Well, the police are going to go question to people. Now,
Speaker 18: that doesn't mean they're going to be sound guilty. But
Speaker 18: I used to be a state inspector. Unlike many that
Speaker 18: were cooking, I was very thorough. You'd be surprised when
Speaker 18: you're thorough, but you find if you're not lazy.
Speaker 5: Are you looking to get them charged at home depot
Speaker 5: with something.
Speaker 18: I know it depends what happened.
Speaker 7: He would be he would be happy to settle for
Speaker 7: some money. Tom, Come on, I'm curious, Drew.
Speaker 13: Within this heat wave, did you actually want to go
Speaker 13: outside and get out of your hot house and maybe
Speaker 13: try and get some cool breeze from a nearby park
Speaker 13: or something.
Speaker 6: You decided to stay home in the heat. He's crippled,
Speaker 6: but he walked or took a bus to home.
Speaker 5: Deep. No, But I want to know this though. I
Speaker 5: want to know what Drew. Listen, guys, hold on, man,
Speaker 5: hold on. I want to know what Drew wants the
Speaker 5: police to do. What does he expect they can do
Speaker 5: to home depot? Do you think there's some criminal negligence here, Drew?
Speaker 11: I don't know.
Speaker 18: It's the only way you find out, fellows. When I
Speaker 18: was a state health inspector, like Colombo, you go ask
Speaker 18: the questions. If you don't just sit there drinking donuts
Speaker 18: and coffee. Yeah, they're going to at least.
Speaker 5: Why you really believe they're going to go to home
Speaker 5: depot and investigate.
Speaker 18: I know the officer who said he was going. He's
Speaker 18: a very honest man. I an't good me good DS news,
Speaker 18: CBS News was that my place for a half hour
Speaker 18: interviewing me? Filming me?
Speaker 9: Oh?
Speaker 18: If they took it? Seria could did it?
Speaker 12: Ever?
Speaker 5: I want to see what day did they interview you?
Speaker 5: I want to go look at it was a CBS
Speaker 5: in New York channel too.
Speaker 6: Yes, I've got a call.
Speaker 10: What day was it?
Speaker 6: What day was it, Drew that they interviewed you?
Speaker 18: I forgot the exact Thay, it was either Wednesday.
Speaker 7: First, let's go just go Nutcase, just google Nutcase called
Speaker 7: home depot.
Speaker 18: And once Mark, he is not a Christian, Drew Drew.
Speaker 7: Every time you call, how do you find yourself in
Speaker 7: these predicaments? For the life of me, I have never
Speaker 7: heard of anybody that has so many issues that's being alive.
Speaker 18: Are you gonna let me answer the question?
Speaker 11: Yes, all right.
Speaker 18: I am a true preacher from heavenly Father Jesus twice only,
Speaker 18: and Jesus said in the Bible, it's true people would
Speaker 18: be persecuted and be strangers on the earth, but they're
Speaker 18: the ones who enter heaven. So I preached the true Bible.
Speaker 5: And so you believe, you believe you're coming under fire
Speaker 5: because of your stance on faith.
Speaker 18: Why don't you read the book that is true Religion
Speaker 18: is false?
Speaker 5: It's an Amazon No, but you believe that's why you're
Speaker 5: coming under so much fire from people.
Speaker 11: Wait wait, wait.
Speaker 6: Is that your book? Seriously, Drew? Is that your book?
Speaker 5: Yes?
Speaker 6: What is it called?
Speaker 18: God is True? Religion is False?
Speaker 7: And that's on Amazon. God is True, Religion is false.
Speaker 7: I'm looking it up.
Speaker 6: Yeah, and I have to take I have to take
Speaker 6: this break. I have to take this break.
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Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate man dot Com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Welcome to the show. Three oh three
Speaker 5: seven one three talk seven one three eight two five five.
Speaker 5: You know, truly, I have never had I don't know,
Speaker 5: I have never had more ridiculous calls over the years
Speaker 5: than from Drew.
Speaker 6: The man goes from one conflict to another. It's quite impressive.
Speaker 6: And he doesn't see it as that.
Speaker 5: He sees himself as a victim because he's a man
Speaker 5: of God. I mean truly, and look at it takes
Speaker 5: all kinds right, that's weird, Laura, Seriously, let's let's talk
Speaker 5: about this Richmond home thing. At least something we can
Speaker 5: probably help with. What's going on with your Richmond home?
Speaker 10: Hi? Thank you?
Speaker 5: So.
Speaker 10: My husband I purchased this home four years ago, and
Speaker 10: about nine months ago he noted there was some separation
Speaker 10: of our side garage. It's a third car garage from
Speaker 10: the home. There's about a one to two inch gap up.
Speaker 3: By the roof and the gutter.
Speaker 5: Really you mean, wait a minute, So it's supposed to
Speaker 5: be attached, but you see you literally see them separating
Speaker 5: up at the roofline. Yes, and how many garages do
Speaker 5: you have? Is this just one garage?
Speaker 10: It's a three car garage okay.
Speaker 6: And that and it's separating where it meets the house, right, Okay?
Speaker 6: What are they doing about it?
Speaker 5: Not much?
Speaker 10: Well, let me back up. So we contacted Richmond first,
Speaker 10: but because we're over our one year when you purchase
Speaker 10: a new home, they would not cover anything. So they
Speaker 10: told us to go to our extended warranty.
Speaker 6: Yeah, that's what they had, huh.
Speaker 10: Yeah, So we contacted them and let her know the situation.
Speaker 10: The lady that we talked to, they sent out whoever
Speaker 10: they send out. It wasn't engineers. They came later. They
Speaker 10: sent out some guys that evaluated the garage, did some
Speaker 10: measurements to see if it was something that was covered
Speaker 10: under the foundation art of the warranty. Right, So a
Speaker 10: couple months later, so in Novembers when they came out.
Speaker 10: In January, they contact us and said, yes, it will
Speaker 10: be covered, but we need to send engineers out to
Speaker 10: give us an estimate.
Speaker 15: So in April.
Speaker 10: We had engineers come out and they looked it over.
Speaker 9: We had believe it was three.
Speaker 10: Different companies that came and they said they would let
Speaker 10: the warranty folks know and then we'd be in.
Speaker 9: Contact with us.
Speaker 6: Okay, and when was that?
Speaker 5: When did they send out the people to assess the
Speaker 5: damage April?
Speaker 6: Okay, hold on and we'll come back to that. I'm
Speaker 6: Tom Martino. John Fuller's with us too.
Speaker 5: If you have any questions, problems, complaints three oh three Martino,
Speaker 5: go with a sure thing Denver's Best roofer Excel Roofing
Speaker 5: dot com.
Speaker 12: You don't pay a cent until you're content.
Speaker 5: Wait time for an insurance check up free, no obligation.
Speaker 5: In comparison, call Compass Insurance paying too much your coverage
Speaker 5: at dozens of insurance companies find out now three oh
Speaker 5: three seven seven to one help. You'll think you're his
Speaker 5: only customer when you choose Frank Durand the real estate
Speaker 5: Man dot com to list your home with Remax Alliance
Speaker 5: three oh three nine two zero sixteen twenty two d News.
Speaker 7: Need that so you don't have torn As fast as
Speaker 7: we can, Shoot's gonna help come.
Speaker 4: Max is the Troubleshoot show No Tom Martine.
Speaker 6: I'm Tom Martino. Welcome to the show.
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Speaker 6: The number eight. Laura, this is unbelievable.
Speaker 5: She has a house where the three car garage, the
Speaker 5: attached garage is separating from the main building. Obviously a
Speaker 5: problem the structural warranty people, because that's what they are.
Speaker 6: After the first year, they said, yeah.
Speaker 5: We'll cover this, and they sent out people to assess
Speaker 5: the damage in April.
Speaker 6: So what happened, so okay.
Speaker 10: So they came back in May, the warranty company and
Speaker 10: offered us a the evaluation and a settlement to take
Speaker 10: and then we could hire any company we wanted to,
Speaker 10: or we could use the one that that How.
Speaker 6: Much of a settlement are they offering.
Speaker 10: It's like forty eight hundred ish right in there, a
Speaker 10: little over forty six thousand.
Speaker 6: That sounds light to me.
Speaker 10: Well, that's only to push the garage back.
Speaker 6: Up, you know, like wait, wait, wait, I'm sorry, like
Speaker 6: mud jacket or what.
Speaker 10: Yeah, they're going to go like four feet down and
Speaker 10: do yeah, something to bring it back up.
Speaker 6: But they're probably doing peers to bedrock.
Speaker 10: Yeah, So, but they won't cover anything that has happened
Speaker 10: because of this happening, which is a lot of other
Speaker 10: stuff going on. Well, we have the room that's right
Speaker 10: below that garage is there's a crack on the ceiling.
Speaker 10: There's the cracks above the garage door. All around that garage.
Speaker 10: It's a stucco in that area, and it's just craps.
Speaker 10: And the guy told us, well, when we raise it,
Speaker 10: they should all go back together.
Speaker 5: But well it will, but then you have to have
Speaker 5: a patch. They will go back together, and then you
Speaker 5: have to have them masked. You know, it's cosmetic.
Speaker 14: Right.
Speaker 3: Well, there's more.
Speaker 10: The roof they told us, This is from the engineers.
Speaker 10: The roof they told us, is so far stretched that
Speaker 10: if they raise it, the roof could buckle. And when
Speaker 10: I let the warranty people know that. They said, well,
Speaker 10: we don't cover anything else just to lift it. So
Speaker 10: any other damage I'm assuming is on us. We have
Speaker 10: water leaks where the roof is stretched, Like directly below
Speaker 10: is our laundry rooms and a hallway, and we have
Speaker 10: water leaks and what looks like mold spots. So the
Speaker 10: damage from the roof being stretched, and.
Speaker 6: I don't understand what that means. The roof being stretched.
Speaker 5: That part I don't understand at all, because if the
Speaker 5: house comes together, that the roof, I mean, you have plywood,
Speaker 5: you have plywood for the decking, and you have roof material.
Speaker 5: So what do they mean by the roof being stretched?
Speaker 6: Who told you that?
Speaker 10: One of the engineers that came out. If you look
Speaker 10: more shingles, they're like waves going across that area.
Speaker 5: Well, I understand that, but that's a very very simple repair.
Speaker 6: That's what that is.
Speaker 5: Is you reroof that area, you blend in and reroof
Speaker 5: that area. It might need some new planks. I don't
Speaker 5: know if it warped your decking, but that's what it
Speaker 5: sounds like. The shingles simply go over the decking. What
Speaker 5: I would do is have a professional roofer look at
Speaker 5: it and not these other clowns. I mean, just because
Speaker 5: they're engineers doesn't mean they know about the roof, right.
Speaker 5: But in any case, no matter what, that's neither here
Speaker 5: nor there. The basic is this, does the forty six
Speaker 5: thousand cover your settlement?
Speaker 6: And by terms of the warranty?
Speaker 5: Are they truly not responsible for the other subsequential damage?
Speaker 5: To find out, you need to read your structural warranty.
Speaker 5: It's all going to be a matter of contract, right,
Speaker 5: John Fuller, Attorney at Law.
Speaker 6: It's a matter of contract.
Speaker 5: Right. We all agree to these when we buy houses.
Speaker 6: We just don't ever look at them.
Speaker 9: Yeah.
Speaker 13: I mean the statutes that dictate you know, the warranties
Speaker 13: and stuff, and the remedies that you have against contractors
Speaker 13: is all really framed by the warranty itself. I mean,
Speaker 13: that's really the starting place that you need to look at.
Speaker 13: So have you have you done that or have you
Speaker 13: had anybody look at that for you? Or did you
Speaker 13: guys have an attorney on this?
Speaker 10: We don't have an attorney. That's kind of what I was.
Speaker 6: Okay, here's what you need to do.
Speaker 5: I'm going to give you some steps and we and
Speaker 5: you have the name of the attorney we want to use.
Speaker 6: Oh yeah, hold on, let me give you that.
Speaker 5: We have an excellent attorney. We want you to consult.
Speaker 5: But Laura, here's how we want you to consult, if
Speaker 5: you listen carefully. Number one, I want you to bring
Speaker 5: the engineer's report, and then I want you to get
Speaker 5: a roofing report, and I want you to get a
Speaker 5: report from people who can fix the cosmetic damages.
Speaker 6: Okay, so I want you to use the structural.
Speaker 5: Warranties report, but I want you to do your own
Speaker 5: report on the cometic damage and the roof damage. For
Speaker 5: the roof damage, I would call Excel Roofing. They're excellent
Speaker 5: and they can assess everything and they do. They have
Speaker 5: a repair crew as well, but they can assess that
Speaker 5: damage and again they will never ask for a penny.
Speaker 5: I would call ex Cel. It's excel as an excellent
Speaker 5: ex c e l Excel roofing dot com. It's three
Speaker 5: oh three seven six one sixty four hundred. They will
Speaker 5: be the best. They will look at that and tell
Speaker 5: you if it's buckling.
Speaker 6: And what needs to be done. So that's Excel roofing
Speaker 6: dot Com.
Speaker 5: By the way, for anyone listening for any of the
Speaker 5: roofing needs three three seven sixty one sixty four hundred. Now,
Speaker 5: having said all that, I want to tell you that
Speaker 5: you also then call someone for cosmetic repairs. That's someone
Speaker 5: who can come in and do all of your drywall
Speaker 5: repair and you're stuck or repair. So that is a
Speaker 5: separate estimate. Then when you consult your attorney, what I
Speaker 5: want you to ask this is the main thing we're consulting.
Speaker 5: Does the warranty you have to have a copy of
Speaker 5: the warranty? Does it cover this stuff or not? Because
Speaker 5: if he sees that it does not cover it, you
Speaker 5: may not waste your time fighting them.
Speaker 6: It may be just that it doesn't cover it.
Speaker 5: If he sees some holes in the warranty language or
Speaker 5: where one caused another and it would be covered, then
Speaker 5: he'd be the first.
Speaker 6: To tell you. So now we're going to give you
Speaker 6: that referral.
Speaker 9: Do you have that.
Speaker 1: You want to call? So in Parker there's a law
Speaker 1: firm called Hollington Law Firm.
Speaker 6: Hollington is Hollington h O L L I N G
Speaker 6: T O N Yeah.
Speaker 2: And the gentleman you want to speak with is Neil Hollington.
Speaker 2: And this is precisely the type of law he specializes in.
Speaker 6: And his phone number you ready, yep?
Speaker 2: Three zero three two seven six two six four seven,
Speaker 2: And Neil Hollington offers a free initial consultation. So, yeah,
Speaker 2: you got nothing to lose by driving over to Parker
Speaker 2: and meeting with him.
Speaker 5: Yeah, and you want to have your cosmetic repairs, your
Speaker 5: roofing repairs, and your engineers repairs along with a copy
Speaker 5: of that warranty.
Speaker 6: Do you have a copy of that structural warranty?
Speaker 5: But I do, excellent, So you're an excellent shape to
Speaker 5: get started right now and then let us know what
Speaker 5: happens and Neil Hollington and if he takes the case,
Speaker 5: believe me, it's going to be worth it.
Speaker 6: Construction defect is a big deal.
Speaker 5: However, there could be specific things you disclaimed, John Fuller.
Speaker 5: Isn't it possible that in the structural warranty they can
Speaker 5: simply disclaim other stuff and say, if a covered warranty
Speaker 5: item causes some other items that are uncovered, then we
Speaker 5: exclude them.
Speaker 6: Can't they do that?
Speaker 9: Yeah?
Speaker 13: Or they can at least attempt to do that. I mean,
Speaker 13: there's plenty of contracts out there that attempt to thwart
Speaker 13: the law essentially and set different standards. Some of those
Speaker 13: are enforceable, some of them are not. You really have
Speaker 13: to consult with an attorney and have them review the
Speaker 13: parameters of that agreement. Understand that Richmond Homes is a
Speaker 13: national corporation. Okay, so they're building homes in all fifty states,
Speaker 13: and their warranty is likely the same for all of
Speaker 13: those states. But not every state has the exact same
Speaker 13: laws or construction defect you know, protections in place. So
Speaker 13: sometimes the provisions and those warranties are just completely not
Speaker 13: enforceable in one state, whereas in another one they may
Speaker 13: be completely enforced.
Speaker 6: I got it. You got to buy that out to
Speaker 6: your to your situation, all right. We have more coming
Speaker 6: up on the Troubleshooter Show.
Speaker 5: Compass Insurance doing free insurance checkups the Insurancehealthcenter dot com.
Speaker 5: Make sure you got the right coverage, not paying too
Speaker 5: much or you're not under insured three oh three nine
Speaker 5: nine six nine thousand. Go with a sure thing Denver's
Speaker 5: Best roofer Excel Roofing dot com.
Speaker 12: You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup free, no obligation in comparison
Speaker 5: call Compass insurance paying too much your coverage at dozens
Speaker 5: of insurance companies. Find out now three oh three, seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate man
Speaker 5: dot com to list your with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two.
Speaker 11: What's up? Oh Hi?
Speaker 6: Tom Artino here?
Speaker 5: Three oh three seven one three talks seven one three.
Speaker 6: Eight two five five all right.
Speaker 5: Mike has a comment on this garage situation on a
Speaker 5: new home after a year. Warranty builders still can be
Speaker 5: held liable for defects, but they have to be pretty bad.
Speaker 5: And it's a very difficult area of law construction defects.
Speaker 5: But you know, we've seen attorneys very successful at it.
Speaker 5: But what they do they like to send you to
Speaker 5: the structural warranty and then the structural warranty will cover
Speaker 5: certain situations. Mike has a comment on Laura's situation where
Speaker 5: her three car garage was separating from the home.
Speaker 6: What is your comment on this, Mike?
Speaker 16: It sounds like she's in over her head and I'm
Speaker 16: wondering if she would be better served by contacting Genesis
Speaker 16: or a comprehensive bid on what it would take to
Speaker 16: restore her situation, and also contacting your independent insurance adjuster
Speaker 16: to help her fight the fight.
Speaker 6: Well, you know, assurance adjuster.
Speaker 5: I'm not sure an independent insurance and jujuster can help
Speaker 5: with a warranty like that.
Speaker 6: I don't think. I don't think it can. But I'm
Speaker 6: wondering about the other thing you said.
Speaker 5: And what I did tell her to do is to
Speaker 5: get already an estimate on the cosmetic repairs and then
Speaker 5: to get an estimate on the roof repairs and combine
Speaker 5: that with an estimate from the engineers. So what would
Speaker 5: be different from what you're suggesting that what I'm suggesting
Speaker 5: I told her to get those together and then to
Speaker 5: consult Neil Hollington, a construction defect attorney.
Speaker 6: Isn't that really? Aren't we both saying the same thing?
Speaker 16: Well, but with your suggestions, she's contacting multiple trades and
Speaker 16: there may be things that are left out because this
Speaker 16: trade didn't cover it and this trade did not as well.
Speaker 16: Whereas Genesis can take a look at the situation from
Speaker 16: a total package stand, Yeah.
Speaker 6: They could. They could nothing left out. That's one possibility.
Speaker 5: For sure that I see what you're saying, or what
Speaker 5: you're saying is a general contractor basically who can look
Speaker 5: at the whole job and say, here are the elements,
Speaker 5: this is what needs to be done in addition to
Speaker 5: the engineer's report.
Speaker 6: That's not a bad idea.
Speaker 5: So she could call a roofer, she can call cosmetic repair,
Speaker 5: she could call and I would think, you know, one
Speaker 5: contractor like a Genesis would be smart as well. Again,
Speaker 5: I think what she has to do though, is definitely
Speaker 5: definitely see this construction defect attorney and.
Speaker 6: Construction defects never used to be an area of law.
Speaker 6: I mean people would build a house, sell a house,
Speaker 6: and you were done with it.
Speaker 5: The laws have been changed a bit to favor consumers
Speaker 5: over the years, and they can bring lawsuits and there
Speaker 5: have been a lot of successes. The one thing that
Speaker 5: is very difficult in construction defect is funding it. You
Speaker 5: don't always get attorney's fees and that can be cost
Speaker 5: prohibitive sometimes. That's why you need a good attorney who
Speaker 5: is used to uh fighting these things and can go
Speaker 5: for attorney's fees. Three oh three Martino is our number
Speaker 5: three oh three six, two seven eight four sixty six.
Speaker 5: John Fuller in the house. We've been talking to him
Speaker 5: on and off about different things, Sir John. Someone wants
Speaker 5: to know if you have an umbrella policy, does that
Speaker 5: ever come back and cover you with your uninsured or
Speaker 5: underinsured motorist coverage? Is it an umbrella over that kind
Speaker 5: of coverage or only over harm you do to others?
Speaker 6: Yeah?
Speaker 13: Not by default, Tom. You know, it's it's funny. I
Speaker 13: just renewed my umbrella policy yesterday. Yes, And I always
Speaker 13: tell people, you know, you go, at least the company
Speaker 13: that I use it has me fill out a questionnaire
Speaker 13: every year, you know, have you had any accidents, have
Speaker 13: you been sued, or you know, anything like that, just
Speaker 13: to assess whether the risk profile has changed. But then
Speaker 13: towards the end of it, it says, you understand that
Speaker 13: uninsured motorists is available under this policy, but you have
Speaker 13: to pay separate for it.
Speaker 6: Do you want to buy it?
Speaker 13: And I always go absolutely in the same amount that
Speaker 13: I'm buying the umbrella, And so you know, for me,
Speaker 13: it was an extra, it was an extra like four
Speaker 13: hundred bucks, but that was a five million dollar umbrella.
Speaker 13: So it's very very cheap to add on that coverage.
Speaker 13: Not every umbrella company will do it. I'm led to believe.
Speaker 7: State Farm, All State. A lot of them simply do
Speaker 7: not offer a John. I had to go to an
Speaker 7: outside car well, and I do as well.
Speaker 13: I have USAA as a primary company, but they don't
Speaker 13: individually offer it, but they have this relationship with a
Speaker 13: company called RLI and that's who I buy the umbrella with.
Speaker 13: So it's it's important enough that if your company doesn't
Speaker 13: offer it, go to a different company.
Speaker 6: I mean, it's just that simple.
Speaker 13: You can only protect yourself by buying uninsured motorist coverage
Speaker 13: on your policy, and you generally can only buy it
Speaker 13: in the amounts that your underlying liability is for.
Speaker 6: And that's you know, that's critical. This is a little outside.
Speaker 7: But if someone has an umbrella but they accidentally lowered
Speaker 7: their liability on their standard insurance, say they're only at
Speaker 7: one hundred and two fifty, and the umbrella doesn't pick
Speaker 7: up to a half a million John, if this is
Speaker 7: making sense, would it still pay after that gap?
Speaker 13: You know, in my policy it says very clearly, you
Speaker 13: understand you have to maintain this level of coverage, right,
Speaker 13: I respect that. What would happen is if they still
Speaker 13: if they didn't consider that an outright breach, they would
Speaker 13: certainly not pick up coverage until that threshold amount that
Speaker 13: you were supposed to have that was reached.
Speaker 6: So in other words, if you lowered.
Speaker 13: It to one hundred, but you were supposed to have
Speaker 13: two fifty, they wouldn't cover any of those damages from
Speaker 13: one hundred up to two fifty, and they would pick
Speaker 13: up at two fifty and one dollars, you know, of
Speaker 13: the damages. That's that's my guess, But some of them
Speaker 13: may very well say we're just flat not gonna cover
Speaker 13: it at all, because.
Speaker 5: In other words, you've breached your contracts with us. You bet,
Speaker 5: you bet, so keep that in mind, folks. What we're
Speaker 5: talking about is this, if you get an umbrella policy,
Speaker 5: that umbrella policy will have requirements for underlying coverages. Obviously
Speaker 5: they don't want you to, you know, to ensure for
Speaker 5: the bare minimum, and then they become your primary insurance.
Speaker 5: The umbrella is only supposed to be for excess liability.
Speaker 7: And if you go in just on that same strain there,
Speaker 7: what is the average, like, how many accidents over the
Speaker 7: years you've been doing this? John really hit that five
Speaker 7: hundred thousand dollars or I'm sorry, more than five hundred
Speaker 7: thousand dollars.
Speaker 6: I mean like one percent. Yeah, probably, okay, and that's
Speaker 6: why umbrellas are so cheap, one to five percent.
Speaker 13: But I mean, it's how many accidents do We run
Speaker 13: out of coverage all the time, all the time? Okay,
Speaker 13: But running out of coverage on a twenty five thousand
Speaker 13: dollars policy or a fifty thousand dollars policy, and that's
Speaker 13: not hard to do. But running out of coverage on
Speaker 13: a half a million or a million or something like that,
Speaker 13: that takes significantly more dan.
Speaker 7: A lot of people don't realize. They think, oh, well,
Speaker 7: fifty thousand dollars in coverage. We'll think about this. If
Speaker 7: someone runs through a red light and hits multiple people,
Speaker 7: you could be talking ten different people splitting fifty thousand dollars.
Speaker 6: Absolutely, you could.
Speaker 13: The other thing is people here, there's a million dollars
Speaker 13: of coverage, and they automatically think I get a million dollars,
Speaker 13: And that's not the case. You still have to have
Speaker 13: damages that warrant that the true measure of the value
Speaker 13: of your case is what some hypothetical jury would award
Speaker 13: for those damages, and then we look to see if
Speaker 13: the insurance coverage is there to make you hold based
Speaker 13: upon those damages pre.
Speaker 5: Three seven, one, three eight, two five five What home
Speaker 5: delivery services rate one two and three. I'll tell you
Speaker 5: that coming up on the Troubleshooter Show. Go with a
Speaker 5: sure thing Denver's Best roofer Excel Roofing dot com. You
Speaker 5: don't pay a cent until you're content. Time for an
Speaker 5: insurance check up free, no obligation. In comparison, call Compass Insurance.
Speaker 5: Pay too much your coverage at dozens of insurance companies
Speaker 5: find out now three all three, seven to seven to one.
Speaker 6: Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three three nine two zero sixteen
Speaker 5: twenty two. Hi Tom Martine here, I want to talk
Speaker 5: to Steve about Laura's issue. We have a comment, Steve,
Speaker 5: go ahead, What is your comment on Laura's issue with
Speaker 5: the garage coming off the house on a Richmond home.
Speaker 9: Well, what I was wondering is there any experts out
Speaker 9: there that could determine when that started, because maybe it
Speaker 9: started under the other warranty.
Speaker 5: Hmm, under if it started during the first year. However,
Speaker 5: it's been four years. I think it would be too
Speaker 5: difficult to go retroactive.
Speaker 7: Well you know, if I don't, you might be able
Speaker 7: to go retriate wreck retro thank you, But.
Speaker 6: I don't know how you would ever prove that. I
Speaker 6: don't know when you could.
Speaker 17: Yeah, that was what I was wondering, if anybody could
Speaker 17: do that, just I didn't realize it was four years.
Speaker 5: But yeah, you know, I think and I'm not even
Speaker 5: sure by the way, that that matters. Sometimes warranty issues
Speaker 5: are when you report them or when you should have
Speaker 5: reported them, when you should have known about them.
Speaker 13: Right, and then you've been your statute of repose too
Speaker 13: that no matter what, they have to be done before
Speaker 13: a certain amount. So it's kind of like a double
Speaker 13: a double statute of limitations.
Speaker 14: If their doors didn't close for a while and they
Speaker 14: didn't realize that was what was cousmic.
Speaker 9: That was kind of where I was thinking of.
Speaker 5: But it's sometimes on the consumer, but it's sometimes I'm
Speaker 5: the consumer to.
Speaker 6: Investigate and find out that's why they have that should.
Speaker 14: Have known.
Speaker 9: So fine, That just was the thought I had.
Speaker 6: Got it all right, thanks Steve.
Speaker 5: Uh And then we have another Steve wants to talk
Speaker 5: about beer, and this is our good old beer, our
Speaker 5: brewer at rock and Roll Dot Beer. Rock and Roll
Speaker 5: Dot Beer. This is a really long special weekend. Do
Speaker 5: you have special things going on every day or what's
Speaker 5: going on?
Speaker 6: Steve?
Speaker 9: Well, I wish it was every day. It's just Saturdays.
Speaker 9: But this Saturday, everybody's been waiting for the American flag.
Speaker 9: I have a special It's a polyester and standex special material,
Speaker 9: super cool wrap American flag shirt with our logo on it.
Speaker 9: And they just came in. I know Mark wanted one
Speaker 9: first thing when he went to the brewery. The first
Speaker 9: thing he said, Hey, you got an American flag shirt?
Speaker 9: I said, on order, But they're here now.
Speaker 6: So it's an American flag shirt. Yeah, if you go
Speaker 6: to rock and Roll Dot Beer, I think you can
Speaker 6: see it.
Speaker 9: Okay, gunline and you know should be under a shop
Speaker 9: online or something. Look on there and there's a special
Speaker 9: on them that will.
Speaker 6: Oh yeah, oh yeah, it's really cool.
Speaker 12: It's really cool, really light material for hot weather.
Speaker 9: It's it's really nice. The Mango shirts the same material.
Speaker 9: But anyway, we're I'm doing something special this weekend. First
Speaker 9: of all, there was a lot of tree orders, so
Speaker 9: I've already sold a bunch of these online. People were
Speaker 9: waiting for them, so I have a lot left. So
Speaker 9: I'm going to if somebody buys two of them this weekend,
Speaker 9: I'm going to give them a free upgrade to the
Speaker 9: brew Fest from general admission to all Access pass. And
Speaker 9: what that does is that's going to give you a
Speaker 9: seven piece Famous Days dinner, free NASCAR ticket, free, you
Speaker 9: can win a guitar. There's a lot of value in that.
Speaker 9: So you know, just just for buying a couple of shirts,
Speaker 9: I'm going to give you a free upgrade from general
Speaker 9: admissions twenty five dollars at the Brewfest for for August second,
Speaker 9: and the all access is forty five dollars, which is really.
Speaker 6: A super Yeah, but this for this weekend, there's no price.
Speaker 6: People can just show up, right.
Speaker 9: Yeah, people going to show up. You can buy online
Speaker 9: right now and bring your receipt in and this weekend,
Speaker 9: and I'll give you your free beer. I'm gonna give
Speaker 9: you if you buy two shirts, I'm gonna give you
Speaker 9: pre one one pre beer.
Speaker 6: Okay, let me get this straight. Then, well there, let
Speaker 6: me get this straight.
Speaker 5: So we have Saturday, August seventh, from two to ten
Speaker 5: is the brew VIP Brew Festival right at your beer garden.
Speaker 9: Yep, Okay, it's gonna be the brew Festival twenty twenty
Speaker 9: five brewing beers for forty years. I've been brewing commercially
Speaker 9: for forty years. Okay, So that's gonna be our Brewfest
Speaker 9: August second, so day after my birthday, Okay, made it
Speaker 9: to be. I'll be sixty nine.
Speaker 5: That's that's separate from that's separate from this weekend. So
Speaker 5: I don't want him to get it confused. This weekend
Speaker 5: is not the Brewfest.
Speaker 9: This weekend is no just a little you know, we're
Speaker 9: gonna have a little special things for the Fourth of
Speaker 9: July weekend. But it's gonna be this shirt's gonna be
Speaker 9: on sale. If you buy a co all of them,
Speaker 9: I'm gonna give you a free beer. I'm gonna give
Speaker 9: you if you buy a couple of them and you
Speaker 9: want to get into the Brew Fast, I'm gonna give
Speaker 9: you that special deal right upgrade to all right, right,
Speaker 9: you know, so this weekend is this shirt is really cool.
Speaker 9: They're gonna they're probably gonna sell out and I'll reorder them,
Speaker 9: but there is okay, when you see it, you'll know
Speaker 9: what I mean.
Speaker 5: So the brew fest itself is August seventh, from two
Speaker 5: to ten on Saturday. A second, second, second, That's why
Speaker 5: I'm sorry.
Speaker 6: I didn't say that.
Speaker 5: I thought I did August second, two to ten and
Speaker 5: to find out more about it, rock and roll Dot
Speaker 5: beer and then this Saturday, like this Saturday, it's the
Speaker 5: regular beer garden. And somebody wanted to know, and I
Speaker 5: put this away from the last time you're on. Do
Speaker 5: you just show up at the beer gardener? Do you
Speaker 5: have to have a time? In other words, is it
Speaker 5: like because they heard it was limited, do you have
Speaker 5: to call ahead and get a slot.
Speaker 9: No, you can come anytime you want from two pm
Speaker 9: to nine pm. But it doesn't cost anything to reserve
Speaker 9: the time. The more people know about us, Tom, because
Speaker 9: this is still new here, it's going to start getting
Speaker 9: a little more you know, a little more chance of
Speaker 9: capacity being filled up. But I'm going to be asking
Speaker 9: for more capacity in more days because we want to
Speaker 9: get a food truck and you know, I can't justify
Speaker 9: a food truck for Saturdays only.
Speaker 5: How many people are you right now? How many people.
Speaker 5: Are you limited to right now on a Saturday.
Speaker 9: On Saturday, yeah, twenty five on a Saturday, and the
Speaker 9: special event August seven, well.
Speaker 7: Hold on, hold on, I want to clarify for you, Steve.
Speaker 7: It's twenty five at a time, Tom, so you know
Speaker 7: when people leave people can come in.
Speaker 9: Right yes, yes, yes, and then also seventy five for
Speaker 9: the special event August second, seventy five at a time.
Speaker 9: Now that one, now, when that sells out, it'll be
Speaker 9: uh it'll probably just be, you know, not really open
Speaker 9: to the public, but that one's gonna sell out, I believe.
Speaker 9: And I'll tell you what you know, your callers. If
Speaker 9: somebody uh Go does the reservation for that FRU festival
Speaker 9: today from your show, I'm gonna give them. Don't tell
Speaker 9: anybody else this is near to happen other than your callers.
Speaker 9: I'm gonna give them a free American UH flag T shirt.
Speaker 9: If we pay for the for the all access pass,
Speaker 9: I'm gonna give them one free T shirt and then
Speaker 9: I'm gonna kill myself. They call oh Man money.
Speaker 5: So if you call today and you reserve for August second,
Speaker 5: if you reserve for August second for the all if
Speaker 5: you buy the all Access vi P pass for forty
Speaker 5: five bucks. By the way, that includes a famous Dave's
Speaker 5: Barbecue dinner and a VIP NASCAR race ticket, one free
Speaker 5: craft beer. You're also going to get that special American
Speaker 5: Flag T shirt. That is a really cool shirt. They
Speaker 5: flag wraps all the way around.
Speaker 9: They're getting eighty dollars worth of stuff. Plus I'm gonna
Speaker 9: give him the American Flag T shirt. But that's only today,
Speaker 9: and that's only from your callers.
Speaker 6: Okay, only for my callers today. And where do they
Speaker 6: call today?
Speaker 9: Well, they don't have to call. They can just book
Speaker 9: it online. And just when they're booking online, they can
Speaker 9: call me, you know, they you know, contact me from
Speaker 9: the website or email me whatever and just say I
Speaker 9: heard you on the show today, and I'm gonna get
Speaker 9: I'm gonna go put them on a list to give
Speaker 9: him a T shirt.
Speaker 5: You know.
Speaker 7: Let's I mean, it's great pushing all this, but let's
Speaker 7: think of the beer. His beer is unbelievable. He's got
Speaker 7: seventeen different kinds. This guy's been brewing for half his life,
Speaker 7: if not longer. And I don't care if you like IPA's,
Speaker 7: I don't care what you like he's gonna have a
Speaker 7: beer you love, and he doesn't skimp on the ingredients.
Speaker 6: I mean, this guy uses Primo Preme. Yeah yeah, and
Speaker 6: Mark knows this beer. They love it.
Speaker 9: You got to come and try the bourbon. The bourbon
Speaker 9: beer is done now. I will be selling it this Saturday.
Speaker 9: I've already sold some last Saturday. It's the Bourbon Aged
Speaker 9: special ale this. I have so much money in this beer,
Speaker 9: it's crazy. I mean, you know, you wouldn't believe what
Speaker 9: you have to do to get that bourbon conditioning. It's
Speaker 9: really really good. You need to you know, you'll love it.
Speaker 5: I believe you, brother. Okay, rock and roll Dot Beer,
Speaker 5: rocknroll dot Beer. More coming up