Speaker 1: Ripped off who you don't have, come running just as
Speaker 1: fast as we can. Shooter's gonna help coming, man.
Speaker 2: This is the Troubleshooter Show now, Tom Martinez, welcome my
Speaker 2: friends to the only show of it's kind. We're here
Speaker 2: to solve problems, answer questions, take complaints. In fact, our
Speaker 2: goal in life is to make your life just a
Speaker 2: little bit better. You've been ripped off taking advantage of
Speaker 2: maybe some scumbag contractor took money and never showed up,
Speaker 2: and you need help trying to recoup the money or
Speaker 2: at least warn the public of such a scoundrel. This
Speaker 2: is the show for you. The number is easy to
Speaker 2: you ready, three oh three Martino. That number works on
Speaker 2: and off the air, so even if you're ripped off
Speaker 2: at midnight, you can call us up three zero three Martino.
Speaker 2: Don't forget help at Troubleshooter dot com. And when we're
Speaker 2: live on the air, you can also get through instantly
Speaker 2: at three oh three seven one, three eight two five five,
Speaker 2: and I will always let you know when a line's open.
Speaker 2: We've got Deputy Dock with us today. Deputy Doc, how
Speaker 2: was your weekend, sir? I bet you were out hitting
Speaker 2: that golf ball. Oh I was a little too hot,
Speaker 2: but I was. I did hit the poker tables all right,
Speaker 2: playing poker. Then we have Paul the water Man. What
Speaker 2: is going on?
Speaker 3: Paul?
Speaker 2: Good morning? How are you? I'm doing good? How about you?
Speaker 4: I'm awesome, awesome, living the American dream here in Colorado. Yeah,
Speaker 4: how's a water biz? It's good. Were It's it's really good.
Speaker 4: We've had a great you know, June, July, and August
Speaker 4: is even better. So you guys do water systems. You
Speaker 4: did ours, you did a soft water system for us.
Speaker 4: What I'm what I really want to know is why
Speaker 4: is this time of year better than say winter or
Speaker 4: the or is it just happened to be busy right now?
Speaker 2: It just happens to be busy right now. Yeah, because
Speaker 2: unlike a fern business or air conditioning, I mean, you're
Speaker 2: probably pretty steady all year, maybe when it's really cold out.
Speaker 4: I think people are paying attention to articles that they
Speaker 4: see with water quality, especially the microplastics, pharmaceuticals, you know,
Speaker 4: especially forever chemicals.
Speaker 2: I was looking knowing you were in studio. Now I'm
Speaker 2: going to absolutely kill this word, poly flor recal. Look,
Speaker 2: do you know what it is. Yeah, it has to
Speaker 2: be really bad. If you can't pronounce it, it's got
Speaker 2: to be really nasty. But that stuff gets in the water.
Speaker 2: A lot of it's plastics, it's yeah.
Speaker 4: So the forever chemical issue is something that when it
Speaker 4: started a year ago, Mark there was four of them
Speaker 4: in the pifos family. Now there's only Now there's over
Speaker 4: fifteen thousand. Why is that, Well, because they're doing theirs,
Speaker 4: they're doing the testing, they're finding more other elements.
Speaker 2: And what it is.
Speaker 4: It's a water resistant element that gets in water and
Speaker 4: it does and break down. It stays and then that
Speaker 4: element bonds together, you know, like mercury. You separate mercury
Speaker 4: and it went back together. That's what this come up
Speaker 4: to tell you.
Speaker 2: I'll tell you what's really scary about it. If you
Speaker 2: look into it, it's everywhere. Now, of course we drink
Speaker 2: water all the time we're human, so that's probably the
Speaker 2: major source of where we get it. But it's in
Speaker 2: the food supply that puts in the air. It is everywhere,
Speaker 2: absolutely for every chemicals. Our body I think eventually is
Speaker 2: going to have to learn to adapt because you could
Speaker 2: test anybody virtually anywhere and there's forever chemicals in their body.
Speaker 4: The other concern is now these nanoplastics in the body,
Speaker 4: and with people that have stints, that nanoplastics can basically
Speaker 4: build up around the stints. So stints are there to
Speaker 4: help break down plaque, but plastics can accumulate.
Speaker 2: Around it, around it and then create well a block blockage,
Speaker 2: and then all of a sudden you get a stroke.
Speaker 2: It's seriously, yeah, it's crazy. And then to think about
Speaker 2: the cows drinking the water. So basically it goes like this,
Speaker 2: So forever chemicals get in there through the air, they
Speaker 2: hit the water, and then once you're in the water,
Speaker 2: the cows eat the chemicals. We have a steak, we
Speaker 2: have the chemicals.
Speaker 4: And then then there's a study being done. They're concerned
Speaker 4: about babies that are getting levels of microplastic because it's
Speaker 4: in the human body.
Speaker 2: Because it's that's it's insane, it is, it's something we've
Speaker 2: got to adapt to. Deputy Bow, what's going on with you?
Speaker 2: Would you do this weekend?
Speaker 5: I can be a sad weekend. I'm prepping my daughter
Speaker 5: to move her into see you boulders.
Speaker 2: Oh well that's so close. Come on. I packed my
Speaker 2: daughter up and we had to drop her off in Wyoming,
Speaker 2: see you Boulder? What is that twenty minutes away? Forty
Speaker 2: five minute drive? They still forty five minutes thirty six seconds.
Speaker 2: But I'm leaving.
Speaker 5: I'm keeping her car at my house. Who she stays
Speaker 5: on campus?
Speaker 2: Yeah, that's cool though, first year they should I believe
Speaker 2: that at least.
Speaker 6: Yeah.
Speaker 5: And then it spent the weekend working on four cases
Speaker 5: Camping World.
Speaker 2: Oh man, we are getting a lot on Camping World.
Speaker 2: Can't get any of themselves. We'll get to that in
Speaker 2: a little.
Speaker 5: That four cases I'm working on, but they're all struggling, but.
Speaker 2: We're going to get through it. Yeah, Camping World has
Speaker 2: turned out not to be a great company in my opinion.
Speaker 2: We're getting more and more on them. It's getting a
Speaker 2: little crazy, all right. Three oh three seven one three
Speaker 2: eight two five five. I diagress, Brenda, what is going on?
Speaker 2: What is this issue with employment or unemployment? Him?
Speaker 7: My name is Brenda. I was calling to let the
Speaker 7: public know of the unfair practices that Grandma's Goodies.
Speaker 2: Grandma's Goodies? What is that?
Speaker 7: It's an Italian restaurant.
Speaker 2: It's an Italian restaurant. I'm looking it up as.
Speaker 7: We go restaurant on Harlon Street and Wheat.
Speaker 2: Rich and what what is the unfair? What are they doing?
Speaker 8: Well?
Speaker 7: First of all, I went in greeted everyone. I am bilingual.
Speaker 7: First I greeted everyone. Ninety five percent of the staff
Speaker 7: in the back is Hispanics, but reading them in Spanish
Speaker 7: whole good morning man.
Speaker 2: They got great reviews, they got strode up almost three
Speaker 2: thousand reviews for now.
Speaker 7: Yeah, that's why I worked, That's why I wanted to
Speaker 7: work there. And then the owen's daughter told me that
Speaker 7: I was not allowed to speak Spanish.
Speaker 2: Now, why would she? Now, hold on, hold on, I
Speaker 2: want to understand, and I'm not asking for you to
Speaker 2: get in her brain, but I'm asking you your thoughts
Speaker 2: on it. Why would she not want you speaking Spanish?
Speaker 7: I don't know.
Speaker 2: I think, well, hold on, I just think it's maybe
Speaker 2: think it's through, come up with something for me.
Speaker 7: I don't know. Her excuse was saying that she was
Speaker 7: trying to teach them how to speak more English. Okay,
Speaker 7: and that was what she said, but I took it
Speaker 7: totally the wrong way, Like you do not ask someone
Speaker 7: that's speaking Spanish to not speak their native language.
Speaker 2: Yeah, but you're working there for I'm not I'm not
Speaker 2: so sure I understand why that's a big deal. If
Speaker 2: I hire you at my automotive shop and I don't
Speaker 2: want you speaking Spanish to the customers, I rather you
Speaker 2: speak English.
Speaker 7: Oh No, it wasn't to the customers. It is to them.
Speaker 2: I mean, I mean even to the employees in fact,
Speaker 2: in fact, probably more to the point. With the employee.
Speaker 2: Saying not to do it with the customer wouldn't make
Speaker 2: any sense, but saying it with say, the kitchen staff
Speaker 2: or anybody else, the technicians in the back. I'm not
Speaker 2: so sure. I don't understand why you would have a
Speaker 2: problem with that.
Speaker 7: That was one of the issues. The other issues is
Speaker 7: I made tips the whole day. Yeah, and I was
Speaker 7: not allowed.
Speaker 9: To keep my tips.
Speaker 2: Well, what happens, sir, that's a bold statement. What happens
Speaker 2: to the tips?
Speaker 9: That's what I asked.
Speaker 7: I asked what happened to the tips? She said, if
Speaker 7: you want to ask about the tips, you could. I
Speaker 7: could give you the owner's number and you could ask him.
Speaker 2: Well, I don't understand.
Speaker 7: So were you a waitress?
Speaker 2: Were you a waitress?
Speaker 10: Yes?
Speaker 7: I was waitressing, So help.
Speaker 2: Me out here.
Speaker 9: Everything.
Speaker 2: Okay, help me out. When you're playing waitress and you
Speaker 2: deliver the food and they're happy, and at the end,
Speaker 2: let's say they give you cash, like a twenty dollars bill.
Speaker 2: Are you telling me you have to give the twenty
Speaker 2: dollar bill to your manager? Yes, okay, and then what
Speaker 2: happens to it? I would assume at some point I
Speaker 2: want to know.
Speaker 7: That's why I'm calling because I believe this is way
Speaker 7: on fair practices, Like who gets to keep this money
Speaker 7: if I don't get a chance.
Speaker 2: So they're telling me a grandma's goodies, Hold on a
Speaker 2: grandma's goodies. They won't even tell the staff what happens
Speaker 2: to the tips?
Speaker 7: Nope, they will not.
Speaker 2: So not just you, but anybody that works there, as
Speaker 2: far as a waitress or kitchen staff or a bus
Speaker 2: boy or whatever. None of them get any tips.
Speaker 7: Nope, nobody's allowed to get the tips. And there's a
Speaker 7: jar in the front of the register and we have
Speaker 7: to put all our tips in there.
Speaker 2: What do they pay you?
Speaker 7: Seventeen dollars an hour?
Speaker 2: Okay, So maybe they're thinking they keep the tips because
Speaker 2: they're paying you higher wages. And what a weight staff
Speaker 2: would make, I mean, does that make sense.
Speaker 7: No, because people like that. No, because my cousin wass
Speaker 7: at Corner Market and she gets paid seventeen dollars an
Speaker 7: hour plus tips. At the end of the night. They
Speaker 7: do tippulling, so everyone gets a portion of the time
Speaker 7: allowed to even have a tip.
Speaker 2: But I'm talking more of the legalities of it. I
Speaker 2: realize there's places you might get paid twenty five bucks
Speaker 2: an hour and get to keep your tips. I'm not
Speaker 2: arguing that, but there's two different ways of paying someone
Speaker 2: as a waitress hourly or as a server. I should
Speaker 2: say one would be a very low amount and then
Speaker 2: they get to keep the tips. I'm not sure what
Speaker 2: the state minimum tip amount is now or wages that
Speaker 2: also receive tips. But the other way would be a
Speaker 2: much higher above the regular hourly, which you could do
Speaker 2: as well. But I don't know if a establishment is
Speaker 2: allowed to keep tips like you're saying, and you're sure
Speaker 2: they keep them, they don't. They don't break them up
Speaker 2: and put them in your paycheck at the end of
Speaker 2: the month. All right, Hold tight, that's that's very interesting.
Speaker 2: Hold tight. I want to do a little research and
Speaker 2: if this is true, and it it's not supposed to
Speaker 2: be that way, We're gonna dig our teeth into it.
Speaker 2: Three oh three seven one three a two fifty five.
Speaker 11: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 11: dot com.
Speaker 2: You don't pay a.
Speaker 12: Cent until you're contenth.
Speaker 11: Time for an insurance checkup free, no obligation comparison call
Speaker 11: Compass Insurance paying too much your coverage at dozens of
Speaker 11: insurance companies find out now three oh three seven seven
Speaker 11: to one.
Speaker 2: Help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: durand the real estate Man dot com to list your
Speaker 11: home with Remax Alliance. Three oh three nine two zero
Speaker 11: sixteen twenty two.
Speaker 2: All right, three oh three seven one three a two
Speaker 2: five five.
Speaker 9: No.
Speaker 2: Employers in Colorado, No, no, no, they cannot keep any
Speaker 2: portion of employee tips. This is according to both the
Speaker 2: flssay and the Compsorder number thirty eight, whatever the hell
Speaker 2: that is. Employers can collect tips for redistribution through tip pulling,
Speaker 2: and a lot of restaurants do that. That makes sure
Speaker 2: the bartender, the bus boy, the waiter, everybody gets a
Speaker 2: cut of that tip because everybody's part of that experience
Speaker 2: that customer. But they cannot keep any of the money
Speaker 2: or distribute it to managers, supervisors, owners, or non tipped employees.
Speaker 2: So the allegation, the allegation you are making, uh is
Speaker 2: pretty pretty wild. You're not allowed to do that, Brenda.
Speaker 7: It's a true fact.
Speaker 2: Go down. Question. Hold on, Bo's got a question. He
Speaker 2: called over there, Colin, and I have a question. Were
Speaker 2: you only employed there for six hours?
Speaker 13: Yes?
Speaker 2: Six hours? What the hell? How would wait? Wait, wait
Speaker 2: wait wait wait wait six hours? What possibly happened in
Speaker 2: six hours to where you no longer work there?
Speaker 7: I was getting multiple tips. People were get this. One
Speaker 7: guy gave me two fives, had me two fives for
Speaker 7: just giving him water, and I was being super polite.
Speaker 7: He said, thank you so much, you were super ply.
Speaker 7: Can I give you this? And I said, no, I
Speaker 7: cannot accept that. So what I did? I told him
Speaker 7: it's that tip jar over there, so that at the
Speaker 7: end of the shift, I told her I can I
Speaker 7: can no longer work here like this is not fair,
Speaker 7: Like this is unfair practices. There's no way. I told
Speaker 7: her who gets to keep these tips? And she said,
Speaker 7: if you want to talk to the owner, you could
Speaker 7: talk to.
Speaker 2: The Ownkay, listen, Brenda, I'm convinced it's tick pulling, meaning
Speaker 2: they all go into the jar and then they get
Speaker 2: split up.
Speaker 7: It's not she said, I will not receive any tips. Ever,
Speaker 7: that's who said that to you, Joey, the owner's daughter.
Speaker 2: Joey said, you will never received I have a hard
Speaker 2: time believing it. I have an outright hard time believing
Speaker 2: that this restaurant is that stupid to where all their
Speaker 2: employees and I'm looking at their ratings, which has to
Speaker 2: do with they're food and customer service that appears to
Speaker 2: be pretty good. But not one other person that works
Speaker 2: there outside of management and owners makes a tip, They
Speaker 2: take it, and the owners keep it, is what you're alleging.
Speaker 7: Well where does it go?
Speaker 9: I have no idea, but.
Speaker 2: You only work there six hours? Well would you know
Speaker 2: where it goes?
Speaker 7: Because I'm not going to work there any longer. If
Speaker 7: they're going to take advantage of me, why would I
Speaker 7: want to work there for the whole entire weeks. I
Speaker 7: was only supposed to work Thursday and Saturday, and then
Speaker 7: next week I was going to get a new schedule.
Speaker 7: I was not going to continue to work there and
Speaker 7: let them keep my tip.
Speaker 2: Brenda, I just call it the way I see it.
Speaker 2: In fact, that's probably one of my biggest problems in life.
Speaker 2: I get in a lot of trouble saying it and
Speaker 2: calling it as I see it. And I'll be honest,
Speaker 2: I think you're wrong one hundred percent. I think it's
Speaker 2: tip pulling and they cut those up. I don't know
Speaker 2: if they do it weekly nightly, but you were only
Speaker 2: their six hours, and I would have no idea how
Speaker 2: you can come on the air and a ledge that
Speaker 2: they just keep the money. Don't think they do. You
Speaker 2: can argue, you can argue all day that maybe it's
Speaker 2: not fair to you. Maybe if you work your butt
Speaker 2: off and someone gives you twenty bucks, you might be
Speaker 2: able to argue you should keep all that twenty But
Speaker 2: that is not what they're doing at Grandma's Goodies and
Speaker 2: they're tip pulling. I'm telling you right now, there's no
Speaker 2: way the ownership is keeping the tips. I don't believe
Speaker 2: they are.
Speaker 7: Then that's why I'm calling to investigate. I asked her plainly, like,
Speaker 7: can you please tell me where it happens to bo?
Speaker 2: I want you to call back later on. Is there
Speaker 2: someone there?
Speaker 9: Now?
Speaker 2: This is I think they're an upfront company.
Speaker 5: They're very responsive.
Speaker 2: When I called, Yeah, what they said? They said she
Speaker 2: worked there six hours.
Speaker 5: And she says, we know this, this employee in question,
Speaker 5: you're only there six hours. I don't know what the
Speaker 5: issues were, but the person I talked to, Tyy said,
Speaker 5: the owner is going to call me within an hour
Speaker 5: and give me an explanation.
Speaker 2: There we go. We're gonna find out what happens to
Speaker 2: that money, and if they are keeping it, Brenda, I
Speaker 2: will sho spotlight so big on Grandma's Goodies that you
Speaker 2: know she's gonna have to put on a different girdle
Speaker 2: or whatever the hell I'm trying to say. So we'll
Speaker 2: figure it out for you. All right. We're gonna call
Speaker 2: you back after we hear from the owner, and then
Speaker 2: if we don't hear something or it sounds shady, we'll
Speaker 2: call the labor board. But I'm telling you right now,
Speaker 2: I think you're really pissed that you didn't get to
Speaker 2: keep the entire twenty or ten bucks or whatever. And
Speaker 2: it's tip pulling. But I am so sure that they're
Speaker 2: not keeping the tips. It's crazy. Is there anybody in
Speaker 2: this room that thinks Grandma's Goodies is keeping the tips? Anybody.
Speaker 5: I believe they're splitting them up with the people in
Speaker 5: the back.
Speaker 2: They probably do it on the paycheck. They probably keep
Speaker 2: it for the week. I mean, I don't know how
Speaker 2: they do it. Deputy Doc, you go out to eat?
Speaker 2: What the hell do you think's going on here? I
Speaker 2: think she's mistaken. Mistaken is one way of putting it.
Speaker 2: Three oh three seven one three eight two five five.
Speaker 2: We do have some lines open, two lines open, three
Speaker 2: oh three, Martino, you've been ripped off taking advantage of
Speaker 2: you want to talk about a bad dentist, a bad life,
Speaker 2: and lord, you name it, we're here for you. Three
Speaker 2: to zho three Martino. Mary, what's going on with you? Mary?
Speaker 14: Oh?
Speaker 2: Hi, Hi Mary? How are you well?
Speaker 15: I'm good, Mark, thank you for helping me out.
Speaker 2: You got it? What's going on? It says something about
Speaker 2: Premiere Credit Protection. What is it?
Speaker 15: Okay? Well, that's my question. That's why I'm calling. So on,
Speaker 15: let's see Thursday in the mail with my address home address.
Speaker 15: It says, thank you for choosing Premiere Credit Protection to
Speaker 15: safeguard your Premiere bank Card credit card account ending in
Speaker 15: two ninety seven to one.
Speaker 2: Now, do you have a credit card from a Premier
Speaker 2: Bank that ends in.
Speaker 15: That I did not Hotel Saturday when it came in
Speaker 15: the mail.
Speaker 2: Did you fill out an application for one?
Speaker 15: Absolutely not.
Speaker 2: Well that's not good at all that I can share
Speaker 2: you Go ahead, Doc, I know. Hold on, Doc's perch.
Speaker 16: They do that all the time, they send credit cards.
Speaker 16: Just throw it away and forget about it.
Speaker 2: Well wait a second, doc, Doc, hold on, hold on.
Speaker 2: I can't think of the last time I opened up
Speaker 2: my mail and I've got eight I'm like you, man,
Speaker 2: I've got like perfect credit. I can't remember the last
Speaker 2: time I opened my mail up and there was like
Speaker 2: an Amex Platinum that I never filled out, or a
Speaker 2: City Bay card. I've never heard of anything like that.
Speaker 16: Those legitimate credit cards, Mark, I'm telling you, I get
Speaker 16: them in the mail.
Speaker 2: So you think the Premier card is just BS.
Speaker 16: No, it's if she doesn't activate it, no harm, no foul,
Speaker 16: just throw it away.
Speaker 2: Well, I don't understand why she would have received it either.
Speaker 2: It's fishing, that's all I Doc, Doc, I just don't think.
Speaker 9: So.
Speaker 2: I would love to get to the bottom of it.
Speaker 2: Here's what I would like to do. Why don't we
Speaker 2: In fact, Doc, I'm looking right here and it's says
Speaker 2: if your first premiere? Is it first premiere? Bank?
Speaker 15: Well, it's confusing.
Speaker 2: Could you take a picture of the credit card, the
Speaker 2: actual credit card and send it over to Kelly so
Speaker 2: I can look at it. Yes?
Speaker 15: Is it the front and back or just not just.
Speaker 2: The front with the numbers? Actually, yeah, front and back,
Speaker 2: take a picture of it. Hold on, hold on, let
Speaker 2: me take this break so I stay on time, Kelly,
Speaker 2: do me a favor. Giver an email to send a
Speaker 2: picture of that credit card over or a text or something,
Speaker 2: and I want to look at it. Then we're going
Speaker 2: to call over there. I want to see if someone
Speaker 2: filled out or did an app with your social Security number,
Speaker 2: basically stole your identity, or like Doc said, they just
Speaker 2: set you one out and they want you to do it.
Speaker 2: In fact, if there's a picture, if you could also
Speaker 2: send a picture of the label or i'm sorry, the verbiage,
Speaker 2: the actual contract or the welcome letter whatever came with
Speaker 2: it would be great as well. Three to Zho three Martino,
Speaker 2: go with a sure thing Denver's best roofer Excel roofing
Speaker 2: dot com.
Speaker 12: You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free no obligation comparison
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies. Find out now three oh three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate man dot
Speaker 11: com to list your home with Remax Alliance three oh
Speaker 11: three nine two zero sixteen twenty two.
Speaker 2: All right, folks, three oh three seven one three a
Speaker 2: two five five, don't forget. Please check out our YouTube channel.
Speaker 2: You can watch us listen to us during the break.
Speaker 2: It truly is a show within a show. Hey, Kelly,
Speaker 2: is that woman sending over a picture of that credit card?
Speaker 2: Haven't got it yet, but we're working on it. Awesome.
Speaker 2: I was told too, And I'm going to go to Ruben,
Speaker 2: who's got a comment on that. By the way, three
Speaker 2: oh three seven one three eight two five five, we
Speaker 2: have two lines open. You've been ripped off, taken advantage
Speaker 2: of Really, if you just want to, you know, help
Speaker 2: other people not get ripped off. I'd love to hear it,
Speaker 2: but I was told by virtually everybody in this room
Speaker 2: that they do get credit cards sent right to their house.
Speaker 2: And then if you activate them they're good without filling
Speaker 2: out any information. It made me start wondering if the
Speaker 2: reason maybe I don't is I have had my credit
Speaker 2: lock now forever. And I would assume they do a
Speaker 2: soft pull on your credit before they send out a
Speaker 2: credit card. But Deputy bow you said you had a
Speaker 2: few sent to you, right, and Doc you said it, Paul,
Speaker 2: have you ever received one in the mail? Just boom,
Speaker 2: you open it up and there's a visa from somebody.
Speaker 2: I haven't, but my wife passed. Got I wonder why
Speaker 2: I never have. The only thing I can think is
Speaker 2: maybe my credit's locked. Maybe I have way back in
Speaker 2: the past. Shannon, have you ever received one? Or Kelly?
Speaker 2: Just opened the mail up and then there's a credit card.
Speaker 2: All you have to do is activate it. No, h Shannon,
Speaker 2: I'm usually getting summons. All right, Say Ruben, what's your
Speaker 2: comment on it?
Speaker 3: Hello?
Speaker 2: Yeah, Ruben, what is your comment?
Speaker 14: Oh?
Speaker 8: My comment is that, uh, that I had a similar experience.
Speaker 8: I I received a credit card. I mean I did
Speaker 8: uh quite a few purchases uh at Lows and uh
Speaker 8: and uh after a while they sent me they sent
Speaker 8: me a credit card, a lost credit card from City Bank,
Speaker 8: and UH, I called because it was it was very
Speaker 8: strange to get a credit card without applying.
Speaker 2: For it, big time strange.
Speaker 8: Yes, So I called the the number two. I was,
Speaker 8: I was gonna question somebody why they sent me a
Speaker 8: credit card when I never.
Speaker 2: Applied for it. And what they said, well.
Speaker 8: They're recording the they recording the the activation thing. Uh,
Speaker 8: give me a balance of sixteen hundred, sixteen hundred dollars.
Speaker 8: So I hung up and UH called again because I
Speaker 8: had to hear it three times to understand it, be
Speaker 8: able to yeah, to be able to understand.
Speaker 17: So ultimately what happened, well, it it looks to me
Speaker 17: like someone at Lows was committing fraud.
Speaker 2: I got you. So look everything, I agree with you.
Speaker 2: And let me say this everything I'm reading everything now
Speaker 2: granted we're talking you know, AI, Google or Bang whatever
Speaker 2: I'm using. What it's saying is banks are not supposed
Speaker 2: to do that. What they can do is send you
Speaker 2: something that looks and smells like a credit card, but
Speaker 2: it is not until you go online. That's when you're
Speaker 2: actually filling out the application. So when you actually get
Speaker 2: the credit card, it's not even a real credit card. Basically,
Speaker 2: it's just something to spark your interest to go online,
Speaker 2: and then you fill out the information. Then if you're approved,
Speaker 2: then you actually get a credit card. They're not supposed
Speaker 2: to just send you a credit card, period, end of story.
Speaker 2: They're not allowed to do that. Maybe in the past
Speaker 2: they were, but I do not think they're allowed to
Speaker 2: do that according to what I'm reading right here, and
Speaker 2: it says to call the Premiere Banks customer care team
Speaker 2: if someone did fill out an application or if you
Speaker 2: received one in your mailbox without requesting it. So, hey,
Speaker 2: I appreciate what you're saying, and you're basically saying what
Speaker 2: I am. Someone probably stole her identity.
Speaker 3: Yeah, I think so, I think so.
Speaker 8: And what I did, I went, I went and title
Speaker 8: a police reports, yep, right away, and I went to
Speaker 8: the Lows and talked to the assistant manager and I
Speaker 8: give her a copy of the police reports. And I said, listen,
Speaker 8: I said, I better not hear from you guys ever again.
Speaker 8: And if I get if I get that credits, because.
Speaker 2: I got I got you, Ruben. I appreciate it, man,
Speaker 2: I appreciate you calling in and you took care of
Speaker 2: it right, and they closed it. And that was that.
Speaker 8: That was it. That was it. I've never heard from
Speaker 8: them again, and I never had any any issues with.
Speaker 3: My credit reports.
Speaker 2: All right, That's why I tell everybody, and we say
Speaker 2: that a lot on the show. You need to lockdown
Speaker 2: credit file. Now, Mary, looking here, you need to call
Speaker 2: this eight hundred number that looks like your credit card
Speaker 2: to me, that does not look like some promo, fake
Speaker 2: credit card, that looks like a freaking credit card. I
Speaker 2: would call them up immediately and go, hey, I didn't
Speaker 2: order this credit card and I had it. And if
Speaker 2: they say, yes, you do have it, and you filled
Speaker 2: out an application that means your identity was stolen, then
Speaker 2: we can help you get that closed up. But there's
Speaker 2: something there's something not good here. If you did not
Speaker 2: fill out for this, is it possible you have a
Speaker 2: kid that might have done it or anybody mark yes,
Speaker 2: go ahead?
Speaker 15: Oh oh no, that's absolutely impossible.
Speaker 18: Okay, here's the deal.
Speaker 15: I did call the eight hundred numbers. What they say this, well,
Speaker 15: you can't get a live person. I hit the prompt
Speaker 15: that said enter your credit card number status status Yeah, no, no, no,
Speaker 15: I haven't received the card yet. This was Thursday. Yeah,
Speaker 15: I hadn't received the card, so I'd hit the prompt.
Speaker 2: But Marry, where did this bring you? I mean, I
Speaker 2: appreciate the prompt by prompt playback, but where did it
Speaker 2: bring you?
Speaker 15: I'm just telling you that what it said is a
Speaker 15: recording says we need your social Security number.
Speaker 2: I bet it's a fake. This is this is even
Speaker 2: more insane. What number did you call? Because I want
Speaker 2: to see if it's the one i'm looking at.
Speaker 13: Service what number do you know?
Speaker 15: Yes, I have it right here, Yeah, eight hundred, yep,
Speaker 15: nine eight seven, uh oh five five two one.
Speaker 2: That's not the number I'm looking at. Where did that
Speaker 2: number come? Did it come with the credit card.
Speaker 15: On the no, on the Thursday paperwork that said thank
Speaker 15: you for choosing Premiere credit card.
Speaker 2: Okay, this is the craziest thing this could. I have
Speaker 2: a hard time believing this is the most elaborate credit
Speaker 2: card hoax I have ever heard of, But I'm starting
Speaker 2: to think it might be. I have got a picture
Speaker 2: of that credit card. I'm going to have Deputy Doc.
Speaker 2: I'm going to have them call up this eight hundred
Speaker 2: number I have right here. Go ahead.
Speaker 11: Thomas just walked in. I think I think I know
Speaker 11: what's going on. What do you think you had somebody else.
Speaker 11: You'll remember this. The scam was they stole their identity,
Speaker 11: or they stole this person's identity.
Speaker 2: They got a card they were going to intercept it,
Speaker 2: a real credit card. Yeah, and this looks like a
Speaker 2: real one.
Speaker 11: But the guy or woman who did that the scam
Speaker 11: did not intercept it in time.
Speaker 2: Well, there's one problem with that theory. And the problem
Speaker 2: is she received this welcome letter as well that has
Speaker 2: a phone number to call. When she called it, they
Speaker 2: wanted your entire your entire social not just the last.
Speaker 15: Four Oh wow, that's correct.
Speaker 2: That sounds crazy to me. Give that phone number to Kelly.
Speaker 2: We're going to dig into this over the break hold on.
Speaker 11: Okay, one word, go with a sure thing Denver's Best
Speaker 11: roofer Excel Roofing dot com.
Speaker 12: You don't pay a cent until you're contenth.
Speaker 11: Time for an insurance check up free, no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three, seven
Speaker 11: to seven to one help.
Speaker 2: You'll think you're his only customer.
Speaker 11: When you choose Frank durand the Real estate Man dot
Speaker 11: com to list your home with Remax Alliance three oh
Speaker 11: three nine two zero sixteen twenty two.
Speaker 2: Try three oh three seven one three eight two five
Speaker 2: five Martino in the house. You've been ripped off taking
Speaker 2: advantage of We want to hear from you. I'm going
Speaker 2: to go back to Mary in a second. But Tom,
Speaker 2: have you ever received I think years and years and
Speaker 2: years ago, I received maybe a credit card in a
Speaker 2: mail like a seer's card, without filling out any information.
Speaker 2: But I can't remember the last time I have Mary
Speaker 2: got a card. It it's like a credit card, smells
Speaker 2: like a credit card. Doc's gonna call to see if
Speaker 2: it's real with the actual bank. But she never ordered it. Yeah,
Speaker 2: and I was thinking it was someone who was going
Speaker 2: to hoist it from the mailbox. I think so too.
Speaker 2: At this point, I don't know what else it could be.
Speaker 2: It can't be so elaborate. There's there's someone actually making
Speaker 2: up credit cards. But you wanted to add something to it, Mary,
Speaker 2: what is it? Oh?
Speaker 15: I was just going to say on the credit card
Speaker 15: congratulations thing. It says that I owe them a first.
Speaker 13: Payment of mark.
Speaker 2: Did you see a picture of this card? Yeah, I'm
Speaker 2: telling you the card looks if it's not a legit card, man,
Speaker 2: I mean someone is going have you tried over have
Speaker 2: you tried.
Speaker 11: Using it like on Amazon or something. No, I'm just curious.
Speaker 11: I'm curious if it would go through.
Speaker 2: See this says, this says you're only two steps away
Speaker 2: from using your credit card.
Speaker 19: I think it's a solicitor.
Speaker 2: I think it's a solicitation. And that credit card they
Speaker 2: send just to really goose you, and then you end
Speaker 2: up paying their thirty dollars fee filling out the credit.
Speaker 2: Then you get the card and it says if you
Speaker 2: pay your initial program fee by check, we will hold
Speaker 2: the check for up to six days. This means your
Speaker 2: credit account won't be open for ten days. I mean,
Speaker 2: I didn't even know they were allowed to do stuff
Speaker 2: like this. I'll send you what. I'll send you the
Speaker 2: picture of this thing, Tom. But it looks legit. But
Speaker 2: we're going to hear back from doc and see if
Speaker 2: the phone number is right, that she actually have one.
Speaker 2: Was it a solicitation? Just hold on, We're going to
Speaker 2: find out for you, Mary, but don't do anything with
Speaker 2: it now. Jessica, what is going on with you?
Speaker 7: Yeah?
Speaker 20: So my question, thank you for picking my car. My
Speaker 20: question is I have Progressive, and back in December, I
Speaker 20: got in a car accident. Somebody rearended, okay, and then
Speaker 20: fast walk forward.
Speaker 21: My car was just.
Speaker 10: Repaired, and they're arguing that there isn't such a thing
Speaker 10: as disminished value.
Speaker 2: So they hit you. You're dealing, Jessica, you're dealing with
Speaker 2: the other companies insurance or I'm sorry, the other driver's insurance.
Speaker 9: Correct.
Speaker 2: Well, there's definitely such thing as diminish value. But who
Speaker 2: is it? Who is it?
Speaker 10: Mine is also progressed.
Speaker 2: I don't care about yours. A hold on, Jessica. I
Speaker 2: want to make I want to make it was the
Speaker 2: other driver's fault. I want to make something clear. Though
Speaker 2: you did not go through your insurance. Correct?
Speaker 10: No, I did not, okay?
Speaker 2: And who was the other company? What insurance company?
Speaker 7: Progressive?
Speaker 9: Oh?
Speaker 2: So you have Progressive and they have Progressive or no?
Speaker 7: Correct, Yes, we both have.
Speaker 2: There is definitely diminish value if the other party was paying,
Speaker 2: and honestly, I've never heard of Progressive not paying for it.
Speaker 2: What kind of vehicle was it?
Speaker 10: So in December I bought a twenty nineteen Honda.
Speaker 2: Pilot torn that should be fifteen percent easily on diminished value.
Speaker 2: That's crazy. Should we get you want to get petty details.
Speaker 10: On back and forth? Since that?
Speaker 11: Well, hold on, how much did they offer? Did they
Speaker 11: offer any of it? They fixed the entire car, I know,
Speaker 11: but did they offer anything?
Speaker 10: Did not want to offer it as much as the
Speaker 10: car rental?
Speaker 15: It was a fight back and forth.
Speaker 11: But no, they don't want to give you any diminished
Speaker 11: value at all. You're saying none, No, not at all.
Speaker 8: No.
Speaker 2: Well, if they're really holding that tight, you got to
Speaker 2: enter what's called well, actually you don't even have an appraisal. No,
Speaker 2: she doesn't have a contract. But see that's where she
Speaker 2: can sue that other person. Well, she can definitely do that.
Speaker 2: All right, hold tight, let's get you back on.
Speaker 19: We'll get some opinions.
Speaker 2: Hold on, yeah, hold on three oh three seven on
Speaker 2: three A two five five. We've got a ton going on.
Speaker 2: We got some open lines. Now's the time to call
Speaker 2: three zero three Martino help at trevilshooter dot com. We'll
Speaker 2: be back after this.
Speaker 11: Go with a sure thing Denver's best roofer Excel roofing
Speaker 11: dot com.
Speaker 12: You don't pay a cent until you're contenth.
Speaker 11: Time for an insurance check up free No obligation. In comparison,
Speaker 11: call Compass insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate man dot
Speaker 11: com to list your home with Remax Alliance three oh
Speaker 11: three nine two zero sixteen twenty two.
Speaker 16: News.
Speaker 1: So you don't have run just as fast as we can.
Speaker 1: Shooter's gonna help.
Speaker 15: Come man, this is.
Speaker 2: The Troubleshooter Show. No Tom Martinez, Welcome, Welcome to the
Speaker 2: only show of its kind. We're here to solve problems,
Speaker 2: answer questions, take complaints. Our golden life is to make
Speaker 2: your life just a little bit better. In fact, to
Speaker 2: the tune of what would you say, Tom, three hundred million,
Speaker 2: Oh oh freaking easy, I.
Speaker 11: Was putting a pen to it. I mean it was
Speaker 11: like it's like a half a billion dollars. I mean
Speaker 11: over the full full scope of the show. And by
Speaker 11: the way, uh, this are brought to you by uh
Speaker 11: Excel roofing. Look at that you see that a's a
Speaker 11: solar fan I just had put up. I'm putting off.
Speaker 2: Over the weekends. No he's doing them right now. I
Speaker 2: didn't realize the panel was sitting on the fan itself. Yeah,
Speaker 2: but it's all self contained. Henry sent that over to me.
Speaker 19: Bretz.
Speaker 11: You know, Excel does these this this addic ventilation. Okay,
Speaker 11: I thought I was all sad, and I had them
Speaker 11: examine it during this extreme heat. Do you know they
Speaker 11: said about eighty five percent of all addicts and roofs
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Speaker 11: I didn't have enough. It couldn't put out enough air.
Speaker 11: And they're they're correcting that, by the way.
Speaker 2: And they sell those pretty cheap, even if you're not
Speaker 2: getting a roof for.
Speaker 11: Us, right, they'll drop those in. I forget what they were,
Speaker 11: but they're not more. They're not much more than a
Speaker 11: thousand bucks. And that's fully installed and it's self contained.
Speaker 11: You never have to touch it anyway. That's that's Excel
Speaker 11: roofing dot com. We love these guys. As far as
Speaker 11: credit cards, I also looked up some stuff people actually
Speaker 11: apply for a credit card, mark and get online access,
Speaker 11: and that's how they use it. They do use a
Speaker 11: virtual card sometimes, so yeah, before it comes no no
Speaker 11: all the time. In other words, that woman got this card.
Speaker 11: Now I'm not saying that happened in her case, but
Speaker 11: it could be she got this card and this card
Speaker 11: is now online as well. With a virtual card. You
Speaker 11: can do that with your capital worm, right, can't you
Speaker 11: create virtual card?
Speaker 2: Yeah? But Mary received a hard credit card and it
Speaker 2: was just listening.
Speaker 19: That's right up.
Speaker 2: Yeah, And it came with a welcome letter. And what
Speaker 2: the welcome letter said is there's a couple more steps
Speaker 2: you got to take in order to use this card.
Speaker 2: One of them was like a thirty dollars fee. So
Speaker 2: I think it actually did come to the bank. It
Speaker 2: wasn't a credit card ready to go. But if she
Speaker 2: paid the thirty bucks and filled out the credit app
Speaker 2: and signed online, then she'd get up a deputy doc.
Speaker 2: You called over the break, I've called Premier, you.
Speaker 19: Called the credit card company.
Speaker 16: I called the two numbers we had and they're both
Speaker 16: phone trees and there's no way you can get to
Speaker 16: talk to an individual unless you entered the last four
Speaker 16: digital no I don't know if this will work, but
Speaker 16: I tried every option on the phone tree, and the
Speaker 16: only one that sounded plausible was if I entered Mary's
Speaker 16: less four digits of a social which I'm not gonna do,
Speaker 16: and I don't think Mary should do either.
Speaker 19: I think it's so petty on by the way, Yeah,
Speaker 19: we'll go.
Speaker 2: To petty details for Jessica. But so there's no way
Speaker 2: to get to a real person. Yeah, Mary, Mary, here's
Speaker 2: the deal. Just uh, don't call them. It's a solicitation.
Speaker 2: In my opinion one percent. They want you to pay
Speaker 2: the thirty bucks. They want you to finish the credit app.
Speaker 2: If you will, then you will have a credit card.
Speaker 2: If you don't want that credit card, and I highly
Speaker 2: suggest you don't use that particular one. I would throw
Speaker 2: it away, ShredIt and make sure your credit's locked for sure.
Speaker 2: You got it? Maryh Mary?
Speaker 15: Okay on here, lock down.
Speaker 2: Your credit, throw away that card and lock down your credit.
Speaker 12: Yeah.
Speaker 2: Now, make sure you cut it up, Mary, all right,
Speaker 2: you got it? What you cut it up? Yeah? Just yeah,
Speaker 2: get the entire card go, you know, unaltered. Yeah.
Speaker 11: Hey, Justin is an expert at diminished value and this
Speaker 11: has been a topic now, this is a regular topic
Speaker 11: where people get their cars destroyed in an accident or
Speaker 11: hurt or even you know, not not I mean damage
Speaker 11: and they're not totaled, but they still lose value even
Speaker 11: after being fixed. And you know where it started the
Speaker 11: birth of carfacts if you think about it, there was
Speaker 11: not There might have been diminished value, but no one
Speaker 11: knew about it prior to services like carfact.
Speaker 19: Might be it, that might be it.
Speaker 11: And sometimes by the way, justin, have you ever seen
Speaker 11: where Carfax makes a mistake like Mark had a minor
Speaker 11: accident and they called it major.
Speaker 2: I got no, No, Mine was worse than that. I'll
Speaker 2: say that in a second. But but justin, does that
Speaker 2: happen where it's all messed up on Carfax?
Speaker 21: Oh yeah, I've got multiple cases where they're just completely wrong.
Speaker 21: Say there's an accident when there wasn't.
Speaker 2: Or how are you able to get that fixed? I
Speaker 2: tried to write through Carfax.
Speaker 19: Did you get it done?
Speaker 2: Well? Okay, justin real quick, let me say this so
Speaker 2: other people out there don't make the mistake. I pulled
Speaker 2: the Carfax on one of my cars that was in
Speaker 2: an accident. I was trying to sell it and I
Speaker 2: was like, oh my goodness, they have it listed as
Speaker 2: a severe accident. So I sent them over. They requested
Speaker 2: all the information from the body shop, like the invoice,
Speaker 2: so I sent them everything they requested in order to
Speaker 2: look at it. Tom, I screwed myself. I didn't realize
Speaker 2: there was a little bit of frame damage as well,
Speaker 2: which wasn't listed on the carfax until I sent them
Speaker 2: the damn information, and then so I made it worse.
Speaker 11: Oh no, So justin, diminished value is probably keeps you
Speaker 11: more busy than anything, doesn't it.
Speaker 21: Yeah, I mean it's about half of what we do here.
Speaker 9: Yeah.
Speaker 2: So when you're fighting with an insurance company and it's
Speaker 2: not your of course, because we're talking diminish value, and
Speaker 2: they refuse to put you through to the diminished value
Speaker 2: department or just don't let you move forward, what do
Speaker 2: you do.
Speaker 19: Jessica's being stonewalled.
Speaker 11: She just had a car hurt in an accident and
Speaker 11: she can't get any information.
Speaker 2: Jessica, what do they say when you actually ask about
Speaker 2: diminish value? Tell justin.
Speaker 10: So then when I asked for it, they said if
Speaker 10: the car was and I quote properly repaired, there shouldn't
Speaker 10: be a need for such a thing when I escalated,
Speaker 10: since then they transferred me to another agent. The other
Speaker 10: agent stated, they demand proper documentation that proves that the
Speaker 10: car has diminish value, otherwise cannot move forward.
Speaker 2: Justin and that's progressive by the way.
Speaker 21: Yeah, almost every insurance company attempts to pretend like there's
Speaker 21: no way of calculating it. But it's just an appraisal.
Speaker 21: It's anytime you prove value of property, you get an appraisal.
Speaker 21: That's what you would use if you go to court
Speaker 21: to prove the amount of damages or what the value
Speaker 21: of the car is. And a diminished value appraisal is
Speaker 21: just an appraisal that's done at two different points in
Speaker 21: time prior to having an accident history and then host repair.
Speaker 2: So what does she do at this point? I mean,
Speaker 2: it's there's definitely diminished value. If I went and bought
Speaker 2: a twenty nineteen whatever she has and it's accident free
Speaker 2: with the same mileage as a twenty nineteen, same car,
Speaker 2: same mileage that wasn't an accident, there's no doubt I'd
Speaker 2: rather have the non accident car, sure.
Speaker 21: I mean, one of the sources that's easy to use
Speaker 21: is Kelly Bluebook. They have conditioned assessments that allow you
Speaker 21: to put in accident history and severity, and so that's
Speaker 21: one of the sources that I look at. I don't
Speaker 21: use it exclusively, but you know, yeah, it's gonna lose value.
Speaker 21: It's got it's less desirable, it's got a higher risk
Speaker 21: of future problems, and that reflects in the market.
Speaker 11: Do cars ever get old enough where there's not much
Speaker 11: diminished value? Like what if it was a you know,
Speaker 11: really surely, if somebody calls you with twenty ten, what
Speaker 11: would you tell them?
Speaker 21: I mean, it would have to be a specialty vehicle.
Speaker 21: You know, once they get to a certain age, they're
Speaker 21: gonna have an accident history. Anyway, most most vehicles that
Speaker 21: are over ten years old have had a you know,
Speaker 21: bender bender, and that's gonna kill the odd How about.
Speaker 2: If Jessica's car Justin had been in a prior accident.
Speaker 2: Does that make the diminished value claim less or gone?
Speaker 21: Well, that's a good question. It doesn't eliminate it, but
Speaker 21: it keeps you from being able to get one settled
Speaker 21: without a lawsuit. I've had many of those. It doesn't
Speaker 21: eliminate it, but it does create a problem. In the
Speaker 21: mind of the insurance carrier. They don't believe you can
Speaker 21: have it.
Speaker 2: Twice, Jessica, did you have what did do you know
Speaker 2: if that car was in an accident before?
Speaker 10: So I bought it cash as pree owned from the
Speaker 10: dealer in December twentieth and the car accident suffered the
Speaker 10: accident prior to me even getting the title in February
Speaker 10: of this year. And then they've been dragging it out
Speaker 10: ever since.
Speaker 11: And I even you know, you might yeh, Brazel, you
Speaker 11: might just want you got to figure out how much
Speaker 11: it'll be.
Speaker 19: How do you figure out diminished value?
Speaker 2: Yeah, she's justin she's got a twenty nineteen what was it?
Speaker 2: A Honda minivan? What is it?
Speaker 10: Yes, it's a Honda Pilot Touring or the limited version,
Speaker 10: And at the time of the accident was under a
Speaker 10: fifty thousand minds. I also did complete the abrasial man.
Speaker 2: How much did they pay out though for the repairs?
Speaker 7: By the way, Jessica, that was not chaired with me.
Speaker 2: Well, you must have an idea. Was it like ten
Speaker 2: thousand something?
Speaker 10: Yeah, the insurance came, I want to say, thirty seven
Speaker 10: hundred when I took it to the shop. They said, no,
Speaker 10: that's not that's not possible. And when they, I guess,
Speaker 10: did their own quote.
Speaker 2: All right, justin what do you think as far as value?
Speaker 2: Just from what you've heard.
Speaker 21: So that's probably a twenty five thousand dollars retail vehicle,
Speaker 21: somewhere in that range, depending on how many miles it's
Speaker 21: got on it, and if it's got medium damage, which
Speaker 21: is what it sounds like, it's probably around thirteen to
Speaker 21: fifteen percent of the pre accident.
Speaker 2: That's three grandy, that's three four grand.
Speaker 19: Do you sue this woman in small claims court directly?
Speaker 3: Yeah?
Speaker 2: What else would she do at this point? If Progressive
Speaker 2: is just simply saying we're not going to do anything.
Speaker 2: She has no contract with Progressive. I mean, what what
Speaker 2: does a person do besides sue them.
Speaker 11: She's not going to sue the insurance company. She would
Speaker 11: sue the other party who did the damage to you.
Speaker 11: That's what I would do.
Speaker 21: That's right, That's that's you have to be a credible
Speaker 21: threat if they're just being unreasonable, and you know, litigation
Speaker 21: is really the only thing you can do. You can't
Speaker 21: sue the insurance company. They didn't rick into you. You
Speaker 21: have to sue the individual, and then the insurance company
Speaker 21: will defend them in most cases so long as they
Speaker 21: know the suits.
Speaker 2: You know, all right, listen, we got to take this
Speaker 2: break hold on both you justin. I got one more
Speaker 2: question then, you know what I was thinking, Tom, Do
Speaker 2: you think Compass they sell progressive? Do you think Brian
Speaker 2: could call over there and just actually get Compass to
Speaker 2: stand up and at least offer her something?
Speaker 11: You know, I don't know a progressive even. Let's let
Speaker 11: let's find out if a Compass can call them. Let's
Speaker 11: ask Brian what he has done in the past or
Speaker 11: now by the way, it's true, well, we'll ask Compass
Speaker 11: insurance this rather than justin. I think most insurance policies
Speaker 11: disclaim it like if it was.
Speaker 19: Her own insurance.
Speaker 11: And this is what I'm thinking, because they both had
Speaker 11: progressive in this case, I wonder if her policy now
Speaker 11: because it Yeah, I don't think there are disclaimers in
Speaker 11: a lot of policies that say you're not going to
Speaker 11: come after us for diminished value.
Speaker 2: By the way you're saying, that would carry even over
Speaker 2: to I don't know.
Speaker 11: That's a good question I want to ask. First of all,
Speaker 11: I want to ask Brian. If insurance companies are still
Speaker 11: by contract excluding diminished value on their own collision coverage,
Speaker 11: that would be a good question, Paul, the waterman, I
Speaker 11: want to ask about.
Speaker 19: I was reading some articles ten things to do.
Speaker 11: Away with poufas, PUFA or forever chemicals, PIFAs, whatever people
Speaker 11: call them. There's way more, by the way, Paul, than
Speaker 11: in the water system, way more.
Speaker 2: I didn't realize you get them from clothing.
Speaker 11: You can get it from from upholstery, your house, carpeting, food,
Speaker 11: dental flaws exactly.
Speaker 4: PFAZ is a global contaminant. It's in everything we have,
Speaker 4: from water to food.
Speaker 11: But that's the problem because they go to the landfills
Speaker 11: and then that goes to the water supply.
Speaker 19: That's why it's showing up in the water.
Speaker 4: Absolutely, the ocean's habit, the Great Lakes habit, I mean
Speaker 4: PIFAs and what I was mentioning earlier, they started with
Speaker 4: only four known chemicals. It's up to fifteen thousand downs.
Speaker 2: I hear we got to take a break.
Speaker 11: But I heard that the government is cracking down a
Speaker 11: local water system.
Speaker 19: Here's the problem.
Speaker 11: One expert says, it doesn't matter how much you crack
Speaker 11: down the standards are impossible to attain with today's technology
Speaker 11: because you're too small, all right, talk about that coming back,
Speaker 11: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 11: dot com.
Speaker 2: You don't pay a.
Speaker 12: Cent until you're contenth.
Speaker 11: Time for an insurance check up free no obligation comparison
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three oh three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate Man dot
Speaker 11: com to list your home with Remax Alliance three oh
Speaker 11: three nine two zero sixteen twenty two.
Speaker 2: Hey eight eight eight.
Speaker 11: Heating dot com by the way for checking out your
Speaker 11: ac or your furnace, especially coming in fall here. They're good,
Speaker 11: honest people you can trust. We know Garrett and the team.
Speaker 11: You will love them. They also do plumbing and electrical
Speaker 11: three o three seven seven zero two seven seven six
Speaker 11: eight eight eight Heating dot Com. So Jeremy's on from Compass.
Speaker 11: Hey Jeremy, diminished value man. We talk about it all
Speaker 11: the time, and sure I want to know something if
Speaker 11: it's my policy and somebody hits me, they don't have insurance,
Speaker 11: or they take off, or I use my own collision
Speaker 11: for any reason. Does my policy allow me to collect
Speaker 11: on most policies, does it allow me to collect diminish
Speaker 11: value from my own insurance?
Speaker 9: No, typically it does not.
Speaker 11: So typically when you buy insurance for yourself, you disclaim
Speaker 11: diminished value.
Speaker 6: Yeah, the policy is going to get correct. Short answer, correct?
Speaker 2: Okay. Out of curiosity, Jeremy, is that a statute by
Speaker 2: state or is that pretty much some states I thought
Speaker 2: outlawed it, Jeremy, I was told.
Speaker 6: I'm not sure if it's by state or not. Okay, Yeah,
Speaker 6: I would expect if there is anything where there'd be
Speaker 6: a you can buy to take care of that. But
Speaker 6: on your own policy, you're typically not going to see that.
Speaker 2: Well, well, Jessica got hit by somebody else. They paid
Speaker 2: for the damage of the vehicle, got it fixed to
Speaker 2: the tune of around thirty five hundred, maybe a little more.
Speaker 2: The other person had progressive Jessica has progressive as well.
Speaker 2: When she went to the insurance company, which happens to
Speaker 2: be your own as well, they said, we are not
Speaker 2: going to give you any kind of diminished value. Now,
Speaker 2: I just want to clarify that she did not turn
Speaker 2: it in to her own insurance. But both parties do
Speaker 2: have Progressive. What would you do in a case like that?
Speaker 2: They're just flat out saying we're not giving you anything, right.
Speaker 6: So it's very different with if the other parties at
Speaker 6: fault and you're using the other parties insurance. She absolutely
Speaker 6: can try and negotiate that.
Speaker 19: Of course you can't.
Speaker 2: And why did they ignore you? Though she's saying she is,
Speaker 2: how many times have you tried to get even a
Speaker 2: dollar for diminished value, Jessica.
Speaker 10: In February that it happened and I even submitted the
Speaker 10: abrasial and they ignore me. I have to escalate it
Speaker 10: a lot of the times.
Speaker 2: Well they're not going to be So what does she do, Jeremy, Besides,
Speaker 2: like Tom said, suing the other party? I mean, I
Speaker 2: thought Progressive was a decent company.
Speaker 6: Well the problem is, yeah, you'd have to sue them
Speaker 6: and establish that diminished value.
Speaker 2: Here's what I want to ask you, though, Jeremy.
Speaker 11: If if she has Progressive and the other party has Progressive,
Speaker 11: she has agreed on her policy not to go after
Speaker 11: diminished value. I have a strange feeling that might cover
Speaker 11: this situation where she can't go after progressive for diminished value,
Speaker 11: even though it's progressive from the other from the other party.
Speaker 2: I don't think so.
Speaker 6: I don't think so. Yeah, I don't think it matters
Speaker 6: that they're both No other party obligated to pay diminished value.
Speaker 2: They very well might, but it's not.
Speaker 6: It's not standard or not.
Speaker 11: By the way, Michigan does not outlaws a diminished value,
Speaker 11: so a policy has to have happened. No, No, you
Speaker 11: can't in Michigan.
Speaker 2: That's what I mean. You can't enforce diminish value in Michigan.
Speaker 2: Oh wow, right, so she if she lived in Michigan,
Speaker 2: forget about it. It doesn't allow compensation for diminished value.
Speaker 2: That's crazy.
Speaker 11: Other states may have joined, but right now Michigan is
Speaker 11: one of them for sure. I think that's because it's
Speaker 11: maybe a strong insurance lobby or something.
Speaker 2: Sad time.
Speaker 11: Anyway, thank you, Jeremy said Jessica. If I were you,
Speaker 11: I would take your Appraisaly'll show the loss and sue
Speaker 11: the other party. Now she's going to scream, say, wait
Speaker 11: a minute, my insurance page here. You're going to say, no,
Speaker 11: they didn't and unless you sign something saying this was
Speaker 11: full and final settlement. I would go after the other
Speaker 11: party in small claims court your diminished value, just suit
Speaker 11: for it, and then that'll force Progressive to talk to you,
Speaker 11: because she's gonna call Progressive and say you better take
Speaker 11: care of this.
Speaker 2: Seriously. What's going on, Edward? Yes, sir, what's happening?
Speaker 9: Okay? I you know, I had some hail damage on
Speaker 9: my truck and I live in Thornton and a guy
Speaker 9: was walking down the street and you know, an insurance guy,
Speaker 9: and he, you know, says we can do all this repair.
Speaker 19: An insurance guy. You mean a body guy.
Speaker 9: Yeah, body guy.
Speaker 2: He happened to be walking down the street.
Speaker 9: Well you know how they try to knock on everybody's.
Speaker 2: Door and yeah for your roof, but this was for
Speaker 2: your car or your roof.
Speaker 9: Yeah, he noticed hail damage on my on my truck.
Speaker 19: Okay.
Speaker 9: So I talked to him, and you know, he said
Speaker 9: it would be about a week.
Speaker 2: And a half.
Speaker 19: So wait, did you pay him anything?
Speaker 9: Didn't pay him anything?
Speaker 2: Good?
Speaker 9: Okay, So I take it to the shop and I
Speaker 9: go out of town for a week and I come back.
Speaker 2: Well I wait, wait, you take it to this guy's shop.
Speaker 11: Yeah, Okay, so this guy was walking around but he
Speaker 11: wasn't but he actually had a real shop.
Speaker 2: Yeah, okay.
Speaker 9: So then I take it to the shop and you know,
Speaker 9: they tell me a week and a half. So I
Speaker 9: actually go out of town for a week and I
Speaker 9: come back. I take it in on the seventh and
Speaker 9: on the thirteenth I called him, you know, what's going
Speaker 9: on with my truck? It's you know, almost been a week.
Speaker 9: And it's been a week and they tell me that,
Speaker 9: you know, they haven't started it yet or something like that.
Speaker 2: Where does it sit right now?
Speaker 9: Had Elite body shop, Elite Tails?
Speaker 11: Why didn't you cancel when you got back and they
Speaker 11: hadn't started?
Speaker 19: Why didn't you cancel?
Speaker 9: Well, I'm trying to cancel.
Speaker 19: How long has it been there since?
Speaker 9: When the seventh?
Speaker 19: Well that's not that long, No, it isn't.
Speaker 2: The seventh of August?
Speaker 9: Yeah.
Speaker 2: Well have they.
Speaker 11: Still not started or have they? Have they gotten parts?
Speaker 11: Like normally? And I just want to tell people, if
Speaker 11: you can drive your car, never drop your part. Never
Speaker 11: drop it off for repairs until the parts are ordered
Speaker 11: an end.
Speaker 2: Right now, did they take your car apart?
Speaker 9: No, they haven't done anything to it.
Speaker 19: Well, then why don't you just cancel?
Speaker 2: But it's all PDR, right, I mean there is no parts?
Speaker 2: Is that correct?
Speaker 19: I don't know. Is it paintless dent repair or what
Speaker 19: is it?
Speaker 2: I believe so like, do you know is it?
Speaker 19: Is it a PDR shop?
Speaker 2: What's the name of the shop, Elite, Elite, Elite, what
Speaker 2: Elite autobody? Elite hail systems, Elite hail systems. All right,
Speaker 2: hold on, we got to take a break. Let me
Speaker 2: dig into this hold type.
Speaker 19: Yeah, well we'll come back.
Speaker 2: Three oh three seven one three talk seven one three
Speaker 2: eight two five.
Speaker 11: Five Go with a sure thing Denver's best roofer Excel
Speaker 11: Roofing dot com.
Speaker 12: You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free no obligation comparison
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three oh three seven
Speaker 11: to seven to one help. You'll think you're his only
Speaker 11: customer when you choose Frank durand the real estate Man
Speaker 11: dot com to list your home with Remax Alliance three
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Speaker 19: So we're making a call.
Speaker 11: On that paintless dent repair and do you think Mark
Speaker 11: there would be what what do you think? Do you
Speaker 11: think there'd be diminished value? I'm just curious. I know
Speaker 11: you're not going to collect on it, but on PDR. Yeah,
Speaker 11: what do you I think anything turned into your insurance
Speaker 11: you're going to have a diminished value because it'll show
Speaker 11: up on Carfax.
Speaker 2: Yeah. So absolutely, can.
Speaker 11: You ask them not to report to carfak There's no
Speaker 11: law that says they have to now, of course not.
Speaker 2: It's usually not the autobody shop reporting, though, who is
Speaker 2: it the insurance company? Are you sure? Positive? Are you sure?
Speaker 2: Auto body? Autoboty companies don't want to They don't want
Speaker 2: to report it. They don't know, but they get paid
Speaker 2: by the insurance company who reports it. Absolutely sure, you'd
Speaker 2: be if you were an autobody shop. Why would you
Speaker 2: it wouldn't. I don't know.
Speaker 11: Actually I never thought of where they get their info.
Speaker 11: But you're saying, why does insurance care?
Speaker 2: Well, I don't know. I'm just curious.
Speaker 11: Why do so many people cooperate with Carfax?
Speaker 2: Well, the insurance companies do, for sure, and I think
Speaker 2: they're all in cahout so they know the claims. I mean,
Speaker 2: they report the claims. It doesn't matter. A clue report
Speaker 2: is going to show anything you've done on your house,
Speaker 2: doesn't matter what insurance company.
Speaker 11: Okay, So Paul the waterman has a special thirty one
Speaker 11: hundred bucks thirty one ninety five or something. Now this
Speaker 11: is incredible. Oh, Mark might be pis because he just
Speaker 11: got his I want to refund though, No, No, so
Speaker 11: Mark's got that softening system. I have your drink reverse
Speaker 11: osmosis to leave has the matrix?
Speaker 2: Now is the matrix the full Monty? It's the full Monty.
Speaker 2: It's a big daddy. What to do.
Speaker 4: So it's a multimedia system that has activated carbon and
Speaker 4: chamber one drinking water.
Speaker 2: Yes, right, that attacks the PIFAs.
Speaker 11: You get rid all those you get rid of all
Speaker 11: those chemicals, right, and then it also softens the water.
Speaker 2: Okay, so you have everything right.
Speaker 4: So what we're doing is that for thirty one ninety
Speaker 4: five you get our base water softener, which is three
Speaker 4: quarters of a cubic foot, and then we also do
Speaker 4: a reverse osmosis for how much thirty one ninety five?
Speaker 2: Wait a minute, that's drinking water and softening. Yeah, it's
Speaker 2: a sale going on right now. Holy crap, Wait a minute.
Speaker 2: The other one's fourteen hundred on its own, correct, So
Speaker 2: I thought that was just a softening.
Speaker 19: You're you're getting both.
Speaker 2: For thirty one ninety five.
Speaker 19: Holy crap. That's no seriously that happen.
Speaker 4: What our competition is doing right now, especially the guys
Speaker 4: that less than as wonderful.
Speaker 2: How do you even know? This might sound silly, but
Speaker 2: how do you even know if you need a softener?
Speaker 4: We do the hardness tests, if you've got the calcium
Speaker 4: build up on your faucets and fixture, just.
Speaker 2: Said everybody, Paul, honest to guy. Do you ever go
Speaker 2: out somewhere and say you already have soft water?
Speaker 9: Yeah?
Speaker 4: There are parts of Colorado there are naturally soft water.
Speaker 11: Absolutely, Yeah, there are places. There are places you won't
Speaker 11: even advertise.
Speaker 4: Yeah, Louisville is naturally soft water, you know. Now, there's
Speaker 4: folks down in the springs believe it or not that
Speaker 4: I have naturally soft water, but they have another problems
Speaker 4: called silica, and that that basically requires a separate unit.
Speaker 4: But silica acts like hard water, and it's kind of silly.
Speaker 4: You could have You could have naturally soft water, but
Speaker 4: you have heart. It looks like hardwater build up in silica. No, no,
Speaker 4: Mark doesn't just doesn't know this yet.
Speaker 11: But with his system, and I'm serious, you can you
Speaker 11: can take You can.
Speaker 2: Take clothes almost without detergent. I swear to God.
Speaker 11: Mark as an experiment, you ought to try it without
Speaker 11: not that detergent?
Speaker 19: Is that expensive?
Speaker 2: Mark, do me a favorite super glue your fingers? Yeah?
Speaker 2: I know, we did it. Yeah, okay, the glass of
Speaker 2: your waters, all the.
Speaker 11: Super gloes immediately, like fift ten seconds at two super glue.
Speaker 2: It's okay. I don't know if I like that because
Speaker 2: you're telling me it's not water can melt super it's.
Speaker 11: Not because we're doing it chemically, not not corrosively empty water.
Speaker 4: Yes, it is aggressive. Your body loves aggressive water because
Speaker 4: that's what your stomach asses.
Speaker 11: The mark when it's it's the molecules, there's nothing in them.
Speaker 11: It absorbs everything, it washes away everything. It's I'm telling you, like,
Speaker 11: do you remember years ago they were somebody had.
Speaker 19: This laundry ball.
Speaker 2: They were Yeah, it was a scam. They were marketing.
Speaker 2: It was a multi level marketing thing.
Speaker 19: Right, the laundry ball.
Speaker 11: Yeah, wash your clothes without soap and water. Yeah, well yeah,
Speaker 11: if you have anything at all you can put in
Speaker 11: the wash to agitate it. I was thinking in a
Speaker 11: tennis ball, but that's probably not heavy enough. I don't
Speaker 11: know something that wouldn't deteriorate in the wash that you
Speaker 11: could put in with your clothes.
Speaker 2: Mark.
Speaker 11: I'll bet you that if you did it as an
Speaker 11: experiment with your soft water, soft water cleans so well,
Speaker 11: that you would not need detergent in your Now, I'm
Speaker 11: not saying detergent does more than just clean. So I'm
Speaker 11: not saying you shouldn't use detergent ever, because it deodorizes
Speaker 11: a bit and does things like that, and and so
Speaker 11: does soft water to an extent.
Speaker 2: But like zero.
Speaker 11: Res h when they do carpets, they're using essentially your water.
Speaker 2: That's what they call the empowered water.
Speaker 11: Yeah, or but but they they they they do a
Speaker 11: little more with the alkaline alkaline base or something or
Speaker 11: alkaline's I guess.
Speaker 4: It's it's our water is acidic water, which they call
Speaker 4: it energized water. And what it does is that it
Speaker 4: dissolves stains.
Speaker 2: Man. It it's incredible. We're going to stay on time.
Speaker 2: Hold on everybody. Yeah, we had a lot of cook
Speaker 2: and three oh three seven, one, three, eight, two five
Speaker 2: five we got some lines open. You've been ripped off,
Speaker 2: taken advantage of. You just want to report some scumbag.
Speaker 2: That's what we're here for. Three oh three Martino, Go
Speaker 2: with a sure thing Denver's Best roofer Excel roofing dot com.
Speaker 11: You don't pay a cent until you're content. Time for
Speaker 11: an insurance check up free, no obligation. In comparison, call
Speaker 11: compass insurance paying too much your coverage at dozens of
Speaker 11: insurance companies. Find out now three oh three seven seven
Speaker 11: to one help. You'll think you're his only customer when
Speaker 11: you choose Frank durand the real estate man dot com
Speaker 11: to list your home with Remax Alliance three oh three
Speaker 11: nine two zero sixteen twenty two.
Speaker 2: All right, three oh three seven one three A two
Speaker 2: five five. Look, we've got a few lines open. You've
Speaker 2: been ripped off, taken advantage of honest to goodness. We
Speaker 2: want to help to the tune of over rendred million
Speaker 2: dollars cash merchandise exchanges. And Ben has a problem. Now, Ben,
Speaker 2: I have never heard of this time. Have you ever
Speaker 2: heard of one switch? Rent a card?
Speaker 19: Why is it called one switch?
Speaker 2: That seems like an odde? They called one switch?
Speaker 19: Do you know?
Speaker 2: I mean, that's why it's a weird name. I just
Speaker 2: never heard of it. Where'd you rent the car? And
Speaker 2: what's going on? So?
Speaker 22: I rented it in Miami, Florida. I went through Priceline.
Speaker 22: I rented in June, second, returned it on June Sava
Speaker 22: and then on July twenty six, I noticed five hundred
Speaker 22: dollars came out of.
Speaker 3: My credit card.
Speaker 2: So I called him and a man.
Speaker 11: This is happening all over. Did they say it was
Speaker 11: due to damage?
Speaker 2: Its due to damage, Mark, This is happening all over.
Speaker 11: This is not new now, remember we heard about it
Speaker 11: with sixth Is that the name of that company it was.
Speaker 11: It's happening all over, don't It's like a new trend.
Speaker 2: It always seems like it sees off brands we've never
Speaker 2: heard of.
Speaker 11: Yeah, but but I can't believe how many complaints I've
Speaker 11: heard or I've had on the show.
Speaker 2: Did they send me a.
Speaker 22: Picture, Ben, Yeah, they did send me a picture, but
Speaker 22: they didn't send it with the time time hard gate
Speaker 22: stamp on their phone or.
Speaker 11: You know now now when they showed you a picture, though,
Speaker 11: is it really really really minor like little road flex?
Speaker 22: Yes, right at the bottom of a minivan, right at
Speaker 22: the like.
Speaker 19: Like in other words, what would be normal road rash?
Speaker 2: Almost. Yeah, that's just like the other one, just like it,
Speaker 2: just like it.
Speaker 11: You they but did you walk around this before you
Speaker 11: rented it?
Speaker 22: I walked around it before I rented it, and we
Speaker 22: walked around it when we returned it. But you know,
Speaker 22: no customer service would come out and verify.
Speaker 2: They just throwing crap at the walls. I would stick.
Speaker 11: I just want to tell you that the way to
Speaker 11: get around it, there is way to get around Well,
Speaker 11: they already dinged his credit card.
Speaker 2: I mean he can fight that.
Speaker 19: Well, there's a way to get around it. With Capital one.
Speaker 11: Of you use a virtual credit card, you can turn
Speaker 11: it off. It's a day after your return the car.
Speaker 2: If you use the Capitol one smart card, date cover it?
Speaker 19: Yes, So what about your credit card? Did will they
Speaker 19: cover it?
Speaker 22: I used well, I used Discover? Uh so I did
Speaker 22: do a dispute. The dispute went on for a little while,
Speaker 22: and I guess with the picture that they sent my
Speaker 22: credity ben.
Speaker 2: Ben hold on. Let me put you on hold. Do
Speaker 2: me a favor, send us over that picture and hang on.
Speaker 2: Three oh three seven one three eight two five five.
Speaker 2: We got two hours to go. You've been ripped off.
Speaker 2: Taking advantage of call now three oh three.
Speaker 11: Go with a sure thing Denver's best roofer Excel roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation. In comparison,
Speaker 11: call compass insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate man dot
Speaker 11: com to list your home with Remax Alliance three all
Speaker 11: three nine two zero sixteen twenty two.
Speaker 22: Ripped of.
Speaker 1: News, need advice? Who you don't have? Come run inxious
Speaker 1: stas as we can. Shooter's gonna help.
Speaker 2: Come man, this is the Troubleshooter Show. Now Tom Martinez, Hey.
Speaker 19: What's happening? Tom Martine?
Speaker 11: Your three oh three seven one three talk seven one
Speaker 11: three eight two five five. We also have Major Mark
Speaker 11: Major with us. We have Dragging at the controls Kachina
Speaker 11: Glory taking your calls, Deputy dot Deputy Boer.
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Speaker 11: This hour brought to you by one Clear Choice Garage Doors.
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Speaker 19: Now, let's talk Mark. Who are we going to right now?
Speaker 2: Oh, let's suh up with this poor car guy. He
Speaker 2: rents a car from Switch rent a car And just
Speaker 2: like the other calls we've had, did you look at it? Well,
Speaker 2: I didn't look at the picture yet. I haven't received
Speaker 2: it yet. Hopefully we get in a second. But the
Speaker 2: bottom line is this, he drops the car off, everything's
Speaker 2: good and then what was it? Ben? How much longer?
Speaker 2: And you got hit with a five hundred dollars bill? Yeah?
Speaker 22: Like a month and a half later. Twenty six is
Speaker 22: when they took it out. We turned the car on
Speaker 22: June's savn.
Speaker 2: When's the last time you rented a car?
Speaker 19: I don't remember.
Speaker 2: Well, I ran them all the time, and I'll tell
Speaker 2: you they do not look at them anymore. When you
Speaker 2: drop them back up off the airport, you pull up,
Speaker 2: you leave. I mean, who's this saying? No?
Speaker 19: No, You're right, they don't. They don't.
Speaker 11: They look at the odometer and the gas gage. Sometimes
Speaker 11: here's the other thing I experimented. One time we went
Speaker 11: to Miami, man, just like you did. We went to
Speaker 11: Miami and we did nothing but butt lift.
Speaker 2: Yeah.
Speaker 11: I decided let's try it one time and compared the bills,
Speaker 11: and we saved a ton of money doing a lift
Speaker 11: and not doing rental.
Speaker 2: We do that in a lot of places like Las Vegas.
Speaker 2: I'll never rent a car. But if we're going somewhere
Speaker 2: like New Orleans and we're gonna be going, there's the
Speaker 2: damage on the carst oh, let me see it. In fact,
Speaker 2: we'll put this up on our hold on.
Speaker 19: Where is the damn picture?
Speaker 3: Though?
Speaker 13: Oh?
Speaker 2: There it is.
Speaker 19: Wait, where's the picture?
Speaker 2: The video? The video? It's a video so they sent
Speaker 2: you a video? Yeah, yeah, I'm looking at a video here?
Speaker 2: And which car would yours be? Like?
Speaker 19: What where is it?
Speaker 2: The white one?
Speaker 3: Yeah, it's a white.
Speaker 2: I see it. It pulls up in the very But
Speaker 2: they actually show us the damage.
Speaker 19: This is crazy.
Speaker 2: Well that's just you dropping it off. Yeah, this isn't it.
Speaker 2: Where's the damage?
Speaker 9: Man?
Speaker 3: Yeah? Well they they're saying there's little games on there.
Speaker 11: But where I thought when I asked for a picture,
Speaker 11: did they send it to you the picture of the damage?
Speaker 22: Yeah? Where is it with with a bunch of little
Speaker 22: scratches and stuff.
Speaker 11: Bro, why did you send us this video just out
Speaker 11: of curiosity?
Speaker 9: Oh?
Speaker 3: I sent you the whole fio.
Speaker 11: Oh okay, I'll take it. So anyway, here's the deal man.
Speaker 2: Did your would your His credit card won't cover it?
Speaker 2: And he said he contested it, and I assume they
Speaker 2: reversed it.
Speaker 11: What First of all, you got to get a credit
Speaker 11: card that covers this stuff. I think that's why they're
Speaker 11: doing it, Mark, because a lot of people with credit cards,
Speaker 11: the credit cards are just paying that stuff now, and
Speaker 11: they make it an amount that doesn't where people don't fight.
Speaker 11: You know, you need, you need to fight this though,
Speaker 11: I would not, okay if you took it off the
Speaker 11: credit card. Unfortunately, they're going to try to rebuild that
Speaker 11: credit card.
Speaker 2: You know that, right? Well, I think he lost it.
Speaker 2: I mean I think he lost the battle already. Wait
Speaker 2: did they put it back on? Did they put it
Speaker 2: back on? Yes?
Speaker 3: They did?
Speaker 22: Why so when I called my Discover card, they said,
Speaker 22: because they sent them that picture?
Speaker 2: What picture?
Speaker 9: Damn?
Speaker 19: Mark, do you have the picture?
Speaker 2: I can't find the picture, just the video, like you,
Speaker 2: I'm trying to see if they're in Colorado. I'm looking
Speaker 2: at locations. They're not in Colorado at all. They were
Speaker 2: in Colorado. I'd bring them the small claims and I
Speaker 2: think you'd win every single time.
Speaker 19: I mean, this is crazy.
Speaker 11: What's to prevent these the rental car companies from doing this.
Speaker 2: They're just in Florida. It looks like it's happening more so.
Speaker 11: You know, when you walk around, they even tell you,
Speaker 11: or at least they tell me, Oh, I must have
Speaker 11: rented a car recently, Mark, because I remember this very vividly. Okay,
Speaker 11: they walk around, say you don't worry about anything smaller
Speaker 11: than a dime, you know, little chips.
Speaker 2: Like that video. Every car we rent takes maybe one
Speaker 2: and a half minutes. And then I'll be honest I
Speaker 2: make stuff up as I'm going around. I will honestly
Speaker 2: say Suzanne laughs at it, but I'll be like, oh,
Speaker 2: and there's a little scratch are and a little ding here,
Speaker 2: whether there is or not, because the video shows it.
Speaker 11: Because they're not going to complain if you take it
Speaker 11: back in better condition.
Speaker 22: And you know, guys, I would pay for it if
Speaker 22: they would just give me a day and a time
Speaker 22: when they snapped that picture, if it was the day
Speaker 22: I returned it.
Speaker 3: Hey, I'm more than happy to pay for it.
Speaker 2: But yeah, but how do you know it wasn't there
Speaker 2: to begin with? And or they didn't charge the previous one.
Speaker 22: Yeah, or they didn't charge the people that rented it after.
Speaker 2: Right or before you. Well, here's what I here, here's
Speaker 2: what I got to say about it. Unless you go
Speaker 2: to Florida and see them in small Claims court, you're
Speaker 2: out five hundred and that's going to cost you more
Speaker 2: than that just to fly out there and get a place.
Speaker 2: You just lost five hundred bucks. This sucks. In the future,
Speaker 2: use the company we've all heard.
Speaker 11: Of and use a credit card. That'll help you. Yeah,
Speaker 11: if you use why you have discovered?
Speaker 19: Dump that damn card?
Speaker 2: Yeah, I looked it up. They don't cover anything.
Speaker 11: Dump that damn card. Why do you have discovered? No
Speaker 11: one has discovered anymore.
Speaker 3: I just had it for a lot of years.
Speaker 19: I don't know I would apply. Don't get rid of it,
Speaker 19: don't cancel it until you get a new one.
Speaker 2: Capital One, Spark, AMX, Platinum, AMEX Business. There's a ton
Speaker 2: of them.
Speaker 3: Okay, yeah, but like.
Speaker 2: I like Capital one for business. They they they've got.
Speaker 2: You want the Spark card if you rent a lot
Speaker 2: of cars. Yeah, they and they don't seem to question it.
Speaker 11: I think that's why some of these rental car companies
Speaker 11: are doing this.
Speaker 2: Mark.
Speaker 11: I think it's a scam with credit cards. Now, Man,
Speaker 11: It's the funny part is I've never heard of these companies.
Speaker 11: So all right, So, Susan ben Ben, I don't know. Man,
Speaker 11: if someone calls with that idea, let us know. But
Speaker 11: I would if I were you, I'd get another card,
Speaker 11: forget that card, and then I would, uh, it's not
Speaker 11: worth fighting. It's five hundred ball, but I wouldn't pay it.
Speaker 11: I wouldn't pay already paid it. Oh all right, Susan,
Speaker 11: what's going on? Hi, what's happening?
Speaker 2: Okay?
Speaker 23: So my mom died in October of last year. We
Speaker 23: had a family trust that dissolved upon her death, and
Speaker 23: it was administered by a company out of Rapid City,
Speaker 23: South Dakota called Independent Trust Company.
Speaker 19: Is that where she was?
Speaker 23: No, No, it was just one of the because of
Speaker 23: the terms of the trust, it was one of the
Speaker 23: only trustees we could find to take it on.
Speaker 11: I wonder why they didn't have a family member, But
Speaker 11: that's okay.
Speaker 2: You know a lot of people do what you're talking about.
Speaker 2: So what happened?
Speaker 23: It was originally my grandpa's trust, and he was trying
Speaker 23: to protect it from my dad and so anyway, But
Speaker 23: so it was a relatively straightforward trust. The assets were
Speaker 23: to be distributed in kind to myself and two sisters.
Speaker 23: We notified itc on October twenty third of my mom's death,
Speaker 23: and it took until last month to distribute all the assets.
Speaker 2: Right and how wait, wait your mom? When did your
Speaker 2: mom die?
Speaker 23: October thirteenth?
Speaker 11: Yeah, that in twenty twenty three. Yeah, okay, that's not outrageous.
Speaker 23: Okay, but so okay, I did want to get your
Speaker 23: feedback on that. However, there were five concerning things that
Speaker 23: I had raised with itc to a guy named Michael Dunn,
Speaker 23: their chief fiduciarian attorney, and he came back. I know, like,
Speaker 23: breach of fiduciary is a legal thing and a whole
Speaker 23: different level. And he came back and said there was
Speaker 23: no breach. But he also said there was no incompetence
Speaker 23: or negligence.
Speaker 11: Well wn't wait, wait, but what are you talking about now?
Speaker 11: You say, other than the time, what consequences were there
Speaker 11: that you would even ask about breach because.
Speaker 23: Their lack of doing their job caused it to take
Speaker 23: this long.
Speaker 2: Okay, let's say I did.
Speaker 11: Okay, let's say they were negligent and it delayed it.
Speaker 2: Let's just say that what were the damages?
Speaker 23: I mean not a lot of money, like six hundred bucks.
Speaker 11: But it's the wait, wait, the six hundred money in
Speaker 11: damages or six hundred?
Speaker 19: Tell me what is six hundred?
Speaker 12: Oh?
Speaker 23: Six hundred? It's too I would be willing to give them,
Speaker 23: you know, until March.
Speaker 11: Susan, Susan, you're not answering my question, dear, I need
Speaker 11: to know what.
Speaker 23: Are they It's two months of trustee fees that they
Speaker 23: charges they were charging.
Speaker 2: Oh oh oh oh oh oh.
Speaker 11: I get you. You're saying it went on so long
Speaker 11: and they had they took an extra six hundred fees.
Speaker 23: Yeah, and so that's one thing, Like it does hurt
Speaker 23: a little bit to be paying for what I think
Speaker 23: it's been a terrible experience.
Speaker 2: Tom, Okay, what did they do? But what now?
Speaker 19: Tell me something?
Speaker 11: As a trustee, all they had to do was what
Speaker 11: did they have to do that?
Speaker 2: Why were they even charging you three hundred bucks a month?
Speaker 23: I mean, there's a there's closing there's a closing process to.
Speaker 11: Show you before the closing, were you being charged each
Speaker 11: and every month?
Speaker 8: Yes?
Speaker 2: What were they doing investments for you?
Speaker 11: No, we have a several so you have an investment advisor,
Speaker 11: and then you have the trustee the trustee. During the
Speaker 11: term of the trust, a trustee normally does nothing unless
Speaker 11: the trust calls for something like appraisals or distributions. So
Speaker 11: this is what I'm asking, just to get some idea here,
Speaker 11: during the term of that trust before it was dissolved,
Speaker 11: you're telling me the trustee charge three hundred bucks a
Speaker 11: month for nothing.
Speaker 23: I believe so it was my mom was the was
Speaker 23: the beneficiary at that time, and the co trustee. So
Speaker 23: I'm not sure. I'm just more concerned about what happened.
Speaker 19: What's the total value of the trust?
Speaker 23: It was around seven hundred grand a little bit more.
Speaker 11: Okay, here's what I'm thinking. You're not going to get anywhere.
Speaker 11: They're not going to voluntarily give you any money. They're
Speaker 11: they're going to make you go for it. And here's
Speaker 11: the thing. It is so hard to prove malfeasance or
Speaker 11: breach of fiduciary responsibility if in fact, it took.
Speaker 2: Two extra months, and you thought it should.
Speaker 11: I've heard of trusts being dissolved in as little as
Speaker 11: three months and going on for a year. Was it complicated?
Speaker 11: What did they have to do to dissolve the trust?
Speaker 18: No?
Speaker 2: Tom, it wasn't what assets. What assets did the trust hold?
Speaker 7: I mean they just had, you know, like a mix
Speaker 7: of stocks, just like some.
Speaker 2: Okay, were they liquidated or transferred?
Speaker 7: No?
Speaker 23: No, they were transferred in kind.
Speaker 11: So they were divided up to how many heirs, three
Speaker 11: of us, So you had to divide stocks and maybe
Speaker 11: bonds and other things. What else was in the trust
Speaker 11: other than investments?
Speaker 23: Yeah, it was mostly mostly stocked, some bonds, just a
Speaker 23: mix of traditional investments and they.
Speaker 11: Were all transferred in kind to three different people. All
Speaker 11: I want to ask Ara, I want to ask one
Speaker 11: of our like Dan McKenzie.
Speaker 2: Try to get McKenzie on. Let's get a you know what.
Speaker 11: Rather than you getting my opinion on this, let's ask
Speaker 11: one of our state attorneys.
Speaker 2: They'll know, okay, and Tom.
Speaker 23: I want to share with you, and then I can
Speaker 23: share with you a couple examples of their incompetence and on.
Speaker 11: Professional Well give me okay, maybe we wait for Dan
Speaker 11: and you can tell him too, because I want to
Speaker 11: know of anything. Okay, he's on right now, Thank you, Kachina.
Speaker 11: Dan McKenzie, real quick, Dan. He is our estate planning
Speaker 11: attorney and also a state expert. Hey Dan, I want
Speaker 11: to ask a quick question. Susan said her mom died
Speaker 11: in October of twenty twenty three and the trust was
Speaker 11: just dispersed recently, and she thinks it was unreasonably long.
Speaker 11: And it was about seven hundred thousand dollars of stocks
Speaker 11: and bonds that were transferred to three Airs and they
Speaker 11: were three airs in kind, so it wasn't liquidated. There
Speaker 11: was nothing to sell. They simply transferred title of the
Speaker 11: stocks and bonds to three Airs. Does that sound like
Speaker 11: a long time to you? Less than a year to
Speaker 11: do that? It was from October till about August.
Speaker 18: No, not necessarily. You always have to be careful of
Speaker 18: the trustee and you don't distribute us before you know,
Speaker 18: like all the bills are settled and taxes are filed,
Speaker 18: so sometimes that can slow things down.
Speaker 2: A little bit.
Speaker 18: That does not immediately start me as unresall, but obviously
Speaker 18: you know it sounds I mean, it sounds straightforward, but.
Speaker 11: You know, now independent, independent, trust company was the name
Speaker 11: of the play.
Speaker 2: Have you heard of them?
Speaker 18: It brings the both.
Speaker 11: Now another thing, she said that the fees were about
Speaker 11: three hundred a month. That sounds outrageous to me for
Speaker 11: just sitting on a trust.
Speaker 19: But I don't know. Do trust companies charge every single month.
Speaker 18: There's different billing models. But so they charged twenty one
Speaker 18: hundred bucks at the end.
Speaker 9: Of the day.
Speaker 11: No, no, no, we're talking about three hundred for Susan.
Speaker 11: Your mom was paying three hundred a month.
Speaker 6: Every month, I believe.
Speaker 23: So I've only seen I'm only looking at the statements
Speaker 23: from during this closing process.
Speaker 11: And how much total did they charge the estate during
Speaker 11: the closing process.
Speaker 23: I don't have that number off the top of my head,
Speaker 23: but you know that was part of my concern. They
Speaker 23: were asking for more cash from our financial advisor, and
Speaker 23: when I pushed them on it, they came back with
Speaker 23: different accounting I think successive for some of the tax
Speaker 23: preparation stuff.
Speaker 2: But whatever, I don't know, but give us an idea.
Speaker 11: I like, for the tax prep what did they charge?
Speaker 11: Hold on a second, I have to take a break.
Speaker 11: I'm gonna ask Dan McKenzie. We can call him back
Speaker 11: or if we can keep him on, because this is
Speaker 11: important for those listening as well. On what to expect,
Speaker 11: I'm Tom Martino three oh three seven to one three
Speaker 11: talks seven to one, three eight two five five. Go
Speaker 11: with a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 12: You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation comparison
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three oh three seven
Speaker 11: to seven to one.
Speaker 2: Help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: durand the real estate Man dot com to list your
Speaker 11: home with Remax Alliance three oh three nine two zero
Speaker 11: sixteen twenty two. Hi Tom Martine three O three seven
Speaker 11: on three talk three all three seven one three eight
Speaker 11: two five five. By the way, probid Energy dot com
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Speaker 19: Probid Energy dot Com.
Speaker 2: Okay, so listen.
Speaker 11: Dan McKenzie is an attorney at law and he does
Speaker 11: the state plans and wills and trust and if you're
Speaker 11: facing probate or something, and Dan in general, Susan and
Speaker 11: we can bring up Susan to Mark. Susan seems to
Speaker 11: be upset basically with the whole process, and she was
Speaker 11: about to tell us some of the things she feels
Speaker 11: incompetent so far, though.
Speaker 19: The timeframe doesn't seem unreasonable to you.
Speaker 11: If she died in October and it took uh took
Speaker 11: less than a year to distribute the assets. And then, Susan,
Speaker 11: what else were you upset about? In general? It sounds
Speaker 11: like you're just pissed off at this trust company.
Speaker 2: So really, I mean, tell Dan some specifics.
Speaker 23: Yeah, Tom, Honestly, if they if they, if this chief
Speaker 23: fiduciary had just acknowledged that this did not go to
Speaker 23: a standard of confidence in their company, I.
Speaker 15: Probably would not like.
Speaker 19: What give me an idea?
Speaker 11: You you haven't said anything really agregious yet, right.
Speaker 23: Because we haven't talked about it. Just for example, she
Speaker 23: took three rounds of paperwork and my sister's effort in
Speaker 23: uncovering the fact that they were trying to initiate the
Speaker 23: transfer for her division of assets incorrectly because she had
Speaker 23: a Fidelity account. The assets were held with Schwab, so
Speaker 23: ITC did not have an understanding of that process and
Speaker 23: kept sending her the wrong paperwork the wrong process until
Speaker 23: her Fidelity representative was like, no, you cannot transfer between
Speaker 23: brokerage firms. You need to set up a separate Schab account,
Speaker 23: transfer there, transfer to your Fidelity.
Speaker 11: I get what you're saying, but Susan, that is something
Speaker 11: that could. That doesn't sound egregious, though I know it
Speaker 11: sounds frustrating.
Speaker 2: In other words, rather than going.
Speaker 23: It delayed the transfer by a month. That's an example.
Speaker 23: They try to initiate a transfer of assets from the
Speaker 23: wrong Schwab account. They were trying to use my Schwab
Speaker 23: account instead of the trust.
Speaker 2: But Susan, just if you didn't liquidate them, you might
Speaker 2: even have an argument if you liquidated them and the
Speaker 2: stock market went up, but you just transferred them. You
Speaker 2: never liquidated them. I don't even understand where there be
Speaker 2: a market damage.
Speaker 11: What Mark is saying is there's no monetary loss. In
Speaker 11: other words, that the delay just delayed title not not
Speaker 11: there was no monetary loss.
Speaker 2: And honestly, and I'll ask Dan this, Dan three hundred.
Speaker 2: While they're unwinding the trust or finishing it up three
Speaker 2: hundred a month? Does that seem excessive? I just don't know, Well.
Speaker 23: Mark, they also or they charged all about thirty eight
Speaker 23: hundred for trustee closing fees during that time. And I
Speaker 23: also see a charge in April for an investment management
Speaker 23: fee of one thousand dollars.
Speaker 19: What was that?
Speaker 2: Do you know? Was that for assets under management?
Speaker 23: I don't know if they took that or if they
Speaker 23: I don't.
Speaker 2: Know, they might have paid that too.
Speaker 11: I have a feeling I have a feeling did the
Speaker 11: investment advisor invest for the trust? Yes, I have a
Speaker 11: feeling that was I have a feeling they were paying
Speaker 11: the assets under management fee directly to the advisor, and
Speaker 11: then as far as thirty eight hundred dollars to close
Speaker 11: out a trust.
Speaker 19: I don't know, Dan, I mean, did.
Speaker 23: The analyst told me they were charging twenty one hundred
Speaker 23: for tax prep with it? Which is insane to me?
Speaker 2: It was twenty one hundred part of that thirty eight?
Speaker 23: I don't know because this guy was an idiot the analyst.
Speaker 11: No, I mean you should know. In other words, are
Speaker 11: you paying thirty eight for closing fee? Use plus twenty
Speaker 11: one for taxes. It's not clear to me, Well it
Speaker 11: should be.
Speaker 19: Is it on an invoice?
Speaker 23: The thirty eight hundred is on the statement. The twenty
Speaker 23: one hundred is what was quoted from the analyst for
Speaker 23: tax tax prep fees that they needed from the financial advisor.
Speaker 11: Okay, Dan, what is your what is your I know
Speaker 11: this is not a lot of it. You know, it's
Speaker 11: weird to ask you this, but what is your opinion
Speaker 11: of what you've heard so far?
Speaker 18: I mean, I guess I'm still thinking, like I'm not
Speaker 18: hearing anything that's like whoa like it obviously agreed to,
Speaker 18: but obviously about the devil's in the details. I mean,
Speaker 18: if it was you know, ten minutes of work, Like
Speaker 18: you know, attorneys are obligated to be reasonable. So even
Speaker 18: if we agree to like charge ten thousand dollars or something,
Speaker 18: and it turned out to be ten minutes of work,
Speaker 18: we really can't take the ten thousand bucks. I don't
Speaker 18: know if these are attorneys or not, but you know, yes,
Speaker 18: it could be unreasonable. But it's not like it's an
Speaker 18: anonymous me. You know, we look at accountings for estates
Speaker 18: all the time, and when there's lawyers doing it or professionals.
Speaker 18: I mean, it's it's very common to see five, multiple
Speaker 18: five figures for fees.
Speaker 11: Okay, but what about this if it's a seven hundred
Speaker 11: thousand dollars trust? Yeah, does it doesn't sound I mean,
Speaker 11: my goodness, it doesn't sound like that much they were
Speaker 11: charged that much. But I look at I know she
Speaker 11: didn't call. I mean, she's called because she's upset. But
Speaker 11: if you don't agree, I mean, I don't seem to
Speaker 11: see anything. That's just staring at me thinking, I don't like,
Speaker 11: what is there a percentage? For example, Like it seems
Speaker 11: to me that it's seventy thousand dollars, right, or seven
Speaker 11: hundred thousand dollars? What would be a percentage that would
Speaker 11: be acceptable?
Speaker 2: You know? Well, I think it depends what they're doing,
Speaker 2: because that company also does asset.
Speaker 11: If you ended up all the fees that you guys
Speaker 11: paid all of them, do they come to under ten grand?
Speaker 7: Yes, I would say, yes, Okay, well they're just there.
Speaker 23: It was handled so poorly. It is it is, I
Speaker 23: think Tom you said it. It's not so much about
Speaker 23: the money. They they breached trust with us because of
Speaker 23: how incompetent the people we worked with were from the
Speaker 23: very start, they didn't know that who the financial advisor
Speaker 23: was on this trust. The analysts didn't, and then they
Speaker 23: asked us to send details of our custodial accounts, full
Speaker 23: custodial account numbers, through regular email, not in a secure way,
Speaker 23: until we push back on that.
Speaker 11: I mean, like, yeah, I know, I know, it does
Speaker 11: sound like they might have had some procedural problems, But
Speaker 11: I don't think you're I think you're going to be
Speaker 11: shocked when I tell you that this is not uncommon, Dan.
Speaker 11: Isn't that true when it comes to stuff like this.
Speaker 18: I mean, it's hard because you're dealing with so many
Speaker 18: different financial institutions. They have their own all of their
Speaker 18: own papers and procedures and everything else. So now you know, yeah,
Speaker 18: I mean, obviously you help people who do this every
Speaker 18: day are running in the Schwab and Fidelity, which are
Speaker 18: probably where most of the money in the United States is.
Speaker 18: But you know, it's yeah, it's frequent that you're calling
Speaker 18: and getting one answer from them, and then you call
Speaker 18: back and get a different person saying a different answer.
Speaker 18: So sometimes that does happen. Sometimes that does happen.
Speaker 2: All right, listen, guys, we have to take this break.
Speaker 2: I got dragon throwing stuff at me. Three oh three
Speaker 2: seven one three eight two five five. By the way,
Speaker 2: that was Dan McKenzie, CEO Plans dot Coe. He'll talk
Speaker 2: to you for free any estate questions CEO three.
Speaker 11: Co Plans go with a sure thing Denver's best roofer
Speaker 11: Excel Roofing dot com. You don't pay a cent until
Speaker 11: you're content. Time for an insurance check up free, no obligation.
Speaker 11: In comparison, call Compass Insurance paying too much your coverage
Speaker 11: at dozens of insurance companies find out now three all
Speaker 11: three seven seven one help. You'll think you're his only
Speaker 11: customer when you choose Frank Durand the real estate Man
Speaker 11: dot com to list your home with Remax Alliance three
Speaker 11: oh three nine two zero sixteen twenty two.
Speaker 2: All right, three oh three seven one three eight two
Speaker 2: five five three zero three Martino, you've been ripped off
Speaker 2: taking advantage of We got a couple lines open, but
Speaker 2: we're gonna jump right to Mandy. God, this happens this
Speaker 2: time of year all the time. Concrete problems, God, concrete,
Speaker 2: What happened Mandy?
Speaker 19: Tom Harry, what's happening?
Speaker 24: So I've sent pictures the top layer of my crete
Speaker 24: on my little porch has crumbled?
Speaker 11: How old is that? How old is that? I'm looking
Speaker 11: at it right now. How old is this?
Speaker 24: It was built in two thousand and five and it's
Speaker 24: been crumbling for about a year.
Speaker 11: Okay, it's not okay, you can't twenty years.
Speaker 19: It's okay.
Speaker 11: It's crumble ever technically, but you know what, God knows
Speaker 11: what happened to it. It could have been so many
Speaker 11: little things that eventually gave out.
Speaker 2: But are you asking how to repair it?
Speaker 24: I'm asking should I get it repaired quickly? And who
Speaker 24: could I contact to do a small job. It's just
Speaker 24: a little porch on my tail.
Speaker 11: Now. There are definitely materials that will patch that, but
Speaker 11: it will never blend perfectly. So something you can do
Speaker 11: is what you need is someone to blast the hell
Speaker 11: out of it to get rid of all the loose
Speaker 11: stuff on top, and then you're gonna have what's called
Speaker 11: exposed aggregate. Now, some people have taken exposed aggregate and
Speaker 11: grinded it down and they didn't bother pouring anything on top.
Speaker 2: They just epoxy or seal over it.
Speaker 11: And that can be attractive and durable because you've done
Speaker 11: away with all the loose stuff, but again you're gonna
Speaker 11: have what's called exposed aggregate.
Speaker 19: Some people like the way, but you do.
Speaker 11: Have to grind it a list, so you have to
Speaker 11: blast the hell of it, grind it, seal it, or
Speaker 11: you can get like an elite garage floors. Yeah, this guy,
Speaker 11: he is really good what he can do. He's still
Speaker 11: going to have to blast it, you know, with his
Speaker 11: power washer and all that, and do it. Do probably
Speaker 11: be blasting to get it down. Then he could coat it.
Speaker 11: Now here's what I'm going to tell you though, without
Speaker 11: putting a layer on top. If you coat it, you're
Speaker 11: still going to have it's It's going to probably be
Speaker 11: a very durable finish and I think it'll be attractive,
Speaker 11: but it's not going to be even you need.
Speaker 2: Oh, I think he could do that evenly.
Speaker 11: Do you think he could first before he puts the
Speaker 11: coating on. Do you think that coating the coating doesn't
Speaker 11: really fill?
Speaker 2: I know TJ will do this. TJ will make sure
Speaker 2: it's prepped right. And if he can't do it right,
Speaker 2: because he's going to do it, he won't do it
Speaker 2: because of his warranty. He's got to fix it forever
Speaker 2: you can you send that picture to TJ. Yeah, I'll
Speaker 2: do it.
Speaker 19: Let's send that picture to our guy.
Speaker 2: Okay, then she can pick out whatever color she could
Speaker 2: match that yellow in her house. She could do whatever
Speaker 2: she wants to be.
Speaker 19: Yeah, that started. I'm looking at the other pictures.
Speaker 11: Now I think he would blast the hell out of
Speaker 11: it and then cover it. Now again, you may have
Speaker 11: to put something over to patch it. Let's get him
Speaker 11: on the phone too. Let's just ask him a question
Speaker 11: in general about he knows what spalling is.
Speaker 2: Let's do that. We'll catch up on branks three oh
Speaker 2: three seven one three eight two five five.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation. In comparison,
Speaker 11: call Compass Insurance. Pay too much your coverage at dozens
Speaker 11: of insurance companies find out now three oh three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate Man dot
Speaker 11: com to list your home with Remax Alliance three all
Speaker 11: three nine two zero sixteen twenty two. Hi, Tom Martino
Speaker 11: here three all three seven one three talk seven one
Speaker 11: three eight two five five Denverregen dot com. Mark was
Speaker 11: making fun of me for I had the hair thing
Speaker 11: done where they put the stem cells. I'm forgetting new
Speaker 11: growth now, like I said.
Speaker 2: You mean you got a lot of new growth.
Speaker 11: Yeah, Jim, seriously, I mean I'm not saying I'm Samson,
Speaker 11: but man, it really made a difference. And this has
Speaker 11: only been three or four weeks Denverregen dot com. So
Speaker 11: they do that plus regular stem cell therapy. Okay, let's
Speaker 11: talk now. We we did check her her picture. I
Speaker 11: want to talk to chij with elite garage floors, TJ.
Speaker 19: How you doing? Good to talk to you man?
Speaker 2: So Tom, thanks, Hey TJ.
Speaker 11: She's got spawling where you can see some exposed aggregate
Speaker 11: and then you see some sections of the broom finish.
Speaker 11: You know what I'm talking about, exactly right?
Speaker 25: Yes, I actually got a picture, and yes we can
Speaker 25: fix that.
Speaker 2: Oh good, how do you do it?
Speaker 25: So what we do is we grind the brush part
Speaker 25: of them. We'll put a pall of your thing mixture
Speaker 25: to make it kind of smooth, and we grind that.
Speaker 25: Then we put a coating on top of it.
Speaker 11: Wow, that is very good. Hey, listen, you won't get
Speaker 11: a better job, Mandy. This could be the solution.
Speaker 2: And you can match it any way you want, and
Speaker 2: I guarantee it'll be a heck of a lot lesson
Speaker 2: replacing it.
Speaker 19: Oh no, you know what.
Speaker 11: Plus it'll be prettier than what you had before. I
Speaker 11: mean it'll look finished, like really nice. You get to
Speaker 11: pick a color and a pattern.
Speaker 22: Is that a.
Speaker 2: Lot the original mix twenty years ago? Totally sad? Question?
Speaker 2: Is that too much aggregate? Would either of you say?
Speaker 2: Or is that pretty norm That seems like there's some
Speaker 2: pretty big chunks of rocks.
Speaker 11: And you think she got goodwaar out of that? And
Speaker 11: it was put in two thousand and four.
Speaker 26: I yes, Well they're more aggregate just because it's thicker,
Speaker 26: and it's more like a foundation wall, more of a structure, yeah,
Speaker 26: than than a floor.
Speaker 11: Do you think, though, twenty years is all you can expect?
Speaker 11: Or theoretically, can you have a monolith that doesn't ever
Speaker 11: have a problem?
Speaker 25: I don't think. I mean it depends on the concrete, Tom.
Speaker 25: I mean, I've lived at my house for almost twenty
Speaker 25: years and our concrete's perfect.
Speaker 2: Well, then there's stuff they build these roads with my god,
Speaker 2: I mean, I guess you're right. All the trucks and
Speaker 2: everything every single day, in and out. That's good stuff. Yeah.
Speaker 19: But anyway, man, let me give you his number.
Speaker 11: Uh seven to zero two five two.
Speaker 19: Tom, not that one.
Speaker 11: I'm sorry, I'm sorry, I'm sorry. That's your personal Let
Speaker 11: me here, I'll get it.
Speaker 2: I'll get it.
Speaker 19: I have it from our commercials.
Speaker 11: I'm sorry, man, Okay, yeah, okay, it's seven to zero
Speaker 11: nine nine two.
Speaker 2: Four four eight. Hey, are you guys still doing the cabinet?
Speaker 2: Just to remind him of your Mandy from the show?
Speaker 2: What were you saying by I'm talking to TJ. Are
Speaker 2: you still doing cabinets big time?
Speaker 25: Oh yeah, we're doing full complete garages, drywall, uh, painting everything.
Speaker 2: Oh my god. So you'll go into someone's garage not
Speaker 2: only do the wait, wait, you'll not the cabinets, but
Speaker 2: you'll fix drywall.
Speaker 20: Night.
Speaker 2: Yeah.
Speaker 19: What what he means by.
Speaker 11: Drywall is a lot of garages aren't finished on the inside.
Speaker 2: Oh wait, you'll finish the garage. Oh yeah, with drywall? Now,
Speaker 2: are you okay? I'll just put it to you like this.
Speaker 2: Are you cheaper than most people?
Speaker 26: We're Coretti.
Speaker 25: We're a little cheaper, but not much.
Speaker 2: But you are cheaper.
Speaker 11: If someone wants, I'll tell you what's cheaper about it
Speaker 11: or less expensive.
Speaker 2: I know this floor coverings, you're cheaper than anybody ever.
Speaker 2: Say no, I know.
Speaker 11: But he's mobilized once, so he's there already. So that's
Speaker 11: gonna help. Right there, that alone is gonna help.
Speaker 2: God TG I didn't know you would refinish the whole thing,
Speaker 2: but as far as the garage floor part, I do
Speaker 2: know he does a great job because he's done multiple
Speaker 2: areas in my house. You can check out Elite Garage
Speaker 2: Floors three oh three ninety three nine two four four eight.
Speaker 2: We got a ton going on, we got some open lines.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance checkup free, no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three oh three, seven
Speaker 11: to seven to one help. You'll think you're his only
Speaker 11: customer when you choose Frank durand the Real estate Man
Speaker 11: dot com to list your home with Remax Alliance three
Speaker 11: oh three nine two zero sixteen twenty two.
Speaker 1: Ripped News need advice, so you don't have.
Speaker 15: Come running.
Speaker 21: Just as fast as we.
Speaker 1: Can, Shooter's gonna help coming.
Speaker 2: Man Dix's the Troubleshooter Show. Now, Tom Martine, Hey.
Speaker 11: Tom Martina here with Mark Major, Deputy docks In Deputy
Speaker 11: bou had to run. We got Paul the waterman who's
Speaker 11: doing a screaming deal on an in house system.
Speaker 19: Let me tell you something. I'm serious now.
Speaker 11: I routinely advertise softening at thirty four one hundred bucks
Speaker 11: fully installed in your house. I then advertise drinking water
Speaker 11: at your kitchen sank for fourteen hundred bucks reverse Osmos's
Speaker 11: wonderful drinking system. He's doing a combination right now at
Speaker 11: an unbelievable price.
Speaker 2: I mean, you're here's what here's what you're doing.
Speaker 11: You're getting a discount on the whole house oftener and
Speaker 11: then you're basically getting the reverse losmosis free. If you
Speaker 11: look at what he used to charge, and these are
Speaker 11: real prices people that we've paid. This is not something
Speaker 11: that he just made up. So why Paul, are you
Speaker 11: getting a special deer from the manufacturer or what what's
Speaker 11: going on?
Speaker 22: Bro?
Speaker 4: Yeah, it's a manufacturer, and so we're passing that on
Speaker 4: to the consumer.
Speaker 19: So thirty one ninety five, thirty.
Speaker 4: One ninety five, how long is this going to last?
Speaker 4: It's gonna last the end of the month.
Speaker 2: How do I apply for a refund for the one
Speaker 2: you sold me at a higher price? Well, no, you
Speaker 2: had a different unit, So you're in waltwater.
Speaker 11: Okay, okay, see okay? Three oh three eight six, two, five, five,
Speaker 11: five four.
Speaker 2: You know I actually did shop around Tom you know me, No,
Speaker 2: he's a I shop around beyond what most I know.
Speaker 2: Do I know you do. We're doing our bathroom right now,
Speaker 2: and I shopped around five different people to give you
Speaker 2: an idea. But with Paul, I was truly blown away. Yeah,
Speaker 2: even more than that, because the highest estimate I got
Speaker 2: we talk about how we can save you up to
Speaker 2: fifty percent. But in all honesty, I got one estimate
Speaker 2: from somebody that we all know and love, and it
Speaker 2: was three times higher. Oh I know it for three
Speaker 2: times higher. And arguably, Paul, the water softener they wanted
Speaker 2: to sell me wasn't even a water softener. According to No,
Speaker 2: I don't like things I've researched.
Speaker 11: Here's what they Okay, and I talked to these guys
Speaker 11: about it. Okay, they're not dishonest machines.
Speaker 2: I just hate them.
Speaker 19: And let's just call it's Halo.
Speaker 2: Let's just say we replaced one this morning.
Speaker 19: I just want to say what this is. I want
Speaker 19: people to hear this.
Speaker 11: This is really important that we give out accurate information.
Speaker 11: Halo does not soften water. Now, listen, it doesn't remove
Speaker 11: hardness from water. But what technically if you talk to
Speaker 11: these people that sell it and that make it, they
Speaker 11: say it makes hard water behave like soft water by
Speaker 11: aligning the molecules blah blah blah. So by doing that,
Speaker 11: even though you have hard water, they say, it won't
Speaker 11: cause the harm to your plumbing and stuff. But you
Speaker 11: can't feel the difference on your skin, not one bit.
Speaker 3: No.
Speaker 2: But where the controversy came up, and it was a
Speaker 2: couple of years ago. You'll remember this. Someone had a
Speaker 2: boiler system and they had extreme hot water. I believe
Speaker 2: it was a boiler hard water, and they were hard water.
Speaker 11: And they put the they were told to put in
Speaker 11: a softener.
Speaker 2: They sold them the boiler, the company sold them the boiler.
Speaker 11: And thelo The HALO s was supposed to preserve the boiler.
Speaker 2: It ruined the boiler.
Speaker 11: The boiler was filled with cake caked up hardness.
Speaker 2: We got them to refund the money on that one.
Speaker 11: I know, but I'm saying that's who came up and
Speaker 11: you repaired it, right.
Speaker 2: We repaired.
Speaker 4: We put a dual tank water software in and then
Speaker 4: they eventually upgrade.
Speaker 2: It to a whole house ro because of the other
Speaker 2: elements in the water.
Speaker 4: The one thing I want to say about the HALO
Speaker 4: is that understand this water hardness is calcium carbonate, which
Speaker 4: is a scale.
Speaker 2: It's a rock. You're not going to suspend a rock.
Speaker 19: Why.
Speaker 11: Okay, look at Paul I when I talk about this,
Speaker 11: I get in trouble.
Speaker 2: Here's why you.
Speaker 11: When I say there's complete transparency on my referral list,
Speaker 11: I mean at one thousand percent.
Speaker 2: I don't go along with things just because I.
Speaker 11: Have good people that sell them. I know great people
Speaker 11: that sell the Halo systems. But I think they've sold
Speaker 11: on it and and they don't work. Okay, now listen, now, listen, man.
Speaker 11: I don't know how they're getting away with it nationwide.
Speaker 11: I don't know how the Federal Trade Commission, the EPA.
Speaker 11: Why are they allowed to make the claims they do?
Speaker 11: These stems cost fifteen grand and they don't do near
Speaker 11: what yours does at thirty four hundred.
Speaker 4: Well here's the other thing too, to be very candid,
Speaker 4: neither does aquasana. You know, there's no such thing as
Speaker 4: a salt free water softer. They don't exist aquasan and pelican.
Speaker 19: And there's another misnomer.
Speaker 11: Water softeners do not add salt to your water. Correct
Speaker 11: They use it to rinse the filters. I okay, So
Speaker 11: in other words, here's what happens when your softeners not
Speaker 11: being used. The filters have to be washed out because
Speaker 11: they have all the hardness in there.
Speaker 2: They use a salt briny.
Speaker 11: Water to do it, and then that is then rinsed
Speaker 11: with fresh water and all flush down your drain. That's
Speaker 11: how water softeners work. It doesn't add salt to the
Speaker 11: drinking water or your water supply. Now, there might be
Speaker 11: a tiny bit of residual after you wash out the
Speaker 11: filters that are in the filters that you get, but
Speaker 11: I don't think it's measurable.
Speaker 2: Do you. No.
Speaker 4: The water softening resin is the filter media and So
Speaker 4: what happens is is that it's the ion exchange. Yes,
Speaker 4: so if calcium carbonates hard news, sodium chloride is a
Speaker 4: detergent calcium chlorid go down the drain. The byproduct of
Speaker 4: a water softener sodium carbonate, which is baking.
Speaker 2: Soda, you must be a blasted parties, I am.
Speaker 11: Well, you know what, here's the thing man Again, there
Speaker 11: are people who are really really pissed off when I
Speaker 11: start talking about this. They call it whole house filtration
Speaker 11: and conditioning.
Speaker 2: Well, that's the one thing that halo. The halo does
Speaker 2: actually filter the water as well, though no, I mean
Speaker 2: your typical softener doesn't do that part.
Speaker 4: Well, it uses activated carbon mark trade. So what the
Speaker 4: halo is is it's a carbon filter back Carson carbon
Speaker 4: filter with a magnet, and so magnet is not going
Speaker 4: to soften the water, won't suspend the hardness.
Speaker 2: Now I went to the Water.
Speaker 4: Quality Association and said, hey, because the halo uses the seal,
Speaker 4: and I said, you got a hold their feet to
Speaker 4: the fire because this is not a water softener. And
Speaker 4: so now they're supposed to advertise under brochure water conditioner.
Speaker 2: It seems, and.
Speaker 11: Listen to how carefully they advertise, listen to the benefits. Listen,
Speaker 11: solves hard water problems. Do you notice the difference.
Speaker 2: Yeah, I'm reading the same thing. Not it softens water,
Speaker 2: but it solves.
Speaker 11: Although it does say softening up above it says high
Speaker 11: filtration softening Listen. I imagine some of that filtration does
Speaker 11: take some metals out.
Speaker 4: It does probably right, well, certain carbon filters will take
Speaker 4: lead out, absolutely.
Speaker 11: And they will take some of the hardness out filters not. Now,
Speaker 11: Halo does offer water softener. Halo offers a legitimate resin
Speaker 11: based water, so they do.
Speaker 2: Okay, oh they do, but it probably costs twice as
Speaker 2: much as yours.
Speaker 4: Right, and so the Halo five is not a water softener. Now,
Speaker 4: I'm a builder that put in a Halo five. The
Speaker 4: customer was upset. They went to Halo direct. Halo came
Speaker 4: out and put an actual salt based water softener in.
Speaker 4: That's the only way to soften the water.
Speaker 11: So they do make conventional softener, right, they do make
Speaker 11: a conventional water softener Halo.
Speaker 4: The Halo five is basically activated carbon with a magnet.
Speaker 4: That magnet is there's no way that you're going to
Speaker 4: take a rock which is hardness and have a magnet repolarizing.
Speaker 11: You're right there. In fact, they don't. They've taken the
Speaker 11: word softener off of that Halo five.
Speaker 2: That's right, they don't. They're right.
Speaker 4: Yes, they called a conditioner. Now well they got slapped.
Speaker 4: Well it's legit. They're doing it right now.
Speaker 11: Yeah, So people, I want to I want to amend something.
Speaker 11: Halo does have some real softeners, okay, of course, always
Speaker 11: price compare with other companies. They do have conventional softeners.
Speaker 11: And then they also have this thing called the Halo
Speaker 11: five which is a whole house filtration and conditioning and
Speaker 11: it's not a softener a softener. Yeah, they they've corrected that.
Speaker 11: So I was wrong when I said they were misadvertising.
Speaker 11: They did correct that.
Speaker 2: Why was that because of the government or well.
Speaker 4: No, it's because of the complaints because if you look
Speaker 4: at it, the Halo five, I mean they sell anywhere
Speaker 4: between five thousand, eight thousand, eleven thousand on up, and
Speaker 4: they were and I agree with you. I think the
Speaker 4: manufacturer misled certain plumber representatives and let them believe this
Speaker 4: was the greatest thing since you know butter, but it wasn't.
Speaker 4: And then you know, these guys believed the manufacturer rep
Speaker 4: talk and until you know no one likes to you know,
Speaker 4: believe something and find out that you know they relied to.
Speaker 11: Well, we have time to get calls, of course, we
Speaker 11: have forty five minutes or more three oh three seven
Speaker 11: one three talks seven or three two five five or
Speaker 11: three oh three Martino got a quick follow up, and
Speaker 11: you're going to follow up on the hailstorm the hell
Speaker 11: claim the repair shop has had this car they feel
Speaker 11: for an excessive amount of time. Deputy Dot called on
Speaker 11: and we'll talk about that.
Speaker 19: Frank time.
Speaker 2: I like what I heard either, keep going.
Speaker 19: Frank Dran the real estate.
Speaker 11: Man, will to let you know what your house will
Speaker 11: sell for now. A lot of people think they have
Speaker 11: to get an appraisal, and appraisal will tell you nothing
Speaker 11: about that. Frank Duran will use actual stats to show
Speaker 11: you what that house in similar houses self work based
Speaker 11: on his thirty years of experience. Get some real information
Speaker 11: free of charge, with no obligation. Three oh three nine
Speaker 11: two zero sixteen twenty two. Go with a sure thing
Speaker 11: Denver's Best roofer Excel roofing dot com.
Speaker 2: You don't pay a.
Speaker 12: Cent until you're contenth.
Speaker 11: Time for an insurance checkup free, no obligation comparison call
Speaker 11: Compass insurance paying too much your coverage at dozens of
Speaker 11: insurance companies. Find out now three oh three seven to
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate Man dot
Speaker 11: com to list your home with Remax Alliance three oh
Speaker 11: three nine two zero sixteen twenty two.
Speaker 2: All right, three oh three seven one three eight two
Speaker 2: five five man, we get to talking during the break.
Speaker 2: You want to hear about it, you go to YouTube
Speaker 2: dot com. Type in Troubleshooter Network. I'm shocked, Tom, how
Speaker 2: many people actually watch us and listen to us every day.
Speaker 2: The biggest thing are the downloads over time, those you
Speaker 2: don't oh over here, fifty thousand your average a month.
Speaker 11: Yeah, we get a ton of people like downloading it,
Speaker 11: and then they can listen to it when they're on
Speaker 11: the treadmill or they're working out or whatever. But but
Speaker 11: the downloads far exceed the streamers. The streamers are still
Speaker 11: important to us, and then of course our listeners.
Speaker 2: I got someone with an interesting question for you. This
Speaker 2: is a good one. I know the answer kind of
Speaker 2: I'm gonna go to my text to go ahead, Okay,
Speaker 2: you ready what gut? You started in this troubleshooting forty
Speaker 2: five years and there's people out there forty five years here,
Speaker 2: fifty years. I mean, what what do you wake up
Speaker 2: one day and some guy ripped you off?
Speaker 11: I swear to god, it's working for a newspaper, the
Speaker 11: Catskill Daily Mail and the Green County News, little tiny newspaper.
Speaker 19: And I was going to, I was going to.
Speaker 2: What were you doing for the newspaper writing troubleshooting columns?
Speaker 19: Or what I was?
Speaker 11: First of all, I was in the mail room, and
Speaker 11: then I started studying this in community college because I
Speaker 11: couldn't afford to go to university at first, so I
Speaker 11: was in community college taking journalism, and then they gave
Speaker 11: me a part time job writing. So I got ripped
Speaker 11: off by a girl who bought my car.
Speaker 2: What were you writing? At first? So it was consumer stuff,
Speaker 2: no news, just news, okay. They they gave.
Speaker 11: Me little assignments like an obituary or or or something
Speaker 11: a little a country market something, just stupid little articles.
Speaker 11: Then when I got ripped off, this girl bought my car,
Speaker 11: promised to pay me monthly and didn't pay me, And
Speaker 11: I took it a small claims court and I won.
Speaker 2: I found a weird law. It's law of affirmation. It's
Speaker 2: a weird law in New York.
Speaker 11: What it meant was, if you made a contract in
Speaker 11: your seventeenth year, on your way or in your eighteenth year,
Speaker 11: you're not yet eighteen, but it's junior eighteenth year, and
Speaker 11: you did not disavow it when you turned eighteen, you
Speaker 11: automatically affirmed it. Now, the reason they did that in
Speaker 11: New York is because they were having trouble with older
Speaker 11: teenagers who were signing contracts and then ditching them, you know, because.
Speaker 2: They weren't eighteen. So what they said was, Okay, if
Speaker 2: you make a contract just before you turn eighteen and
Speaker 2: you don't rescind it, it's going to after a certain
Speaker 2: number of days, it's going to take effect. And how
Speaker 2: would you formally rescind it?
Speaker 11: You would say that contract I signed with you when
Speaker 11: I was seventeen, I don't want it.
Speaker 2: I mean, you basically rescinded it. So this was like
Speaker 2: so normal.
Speaker 11: So what I did was I found this law and
Speaker 11: waited for her to turn eighteen, because that was why
Speaker 11: she wasn't paying a rod says she was seventeen. You
Speaker 11: can't enforce the contract anyway. So I waited for her
Speaker 11: to turn eighteen. Then I waited the five days.
Speaker 2: And served her and she never rescinded it. She had
Speaker 2: not resent. She didn't know about the law.
Speaker 11: So her mom came to her with court and in
Speaker 11: court and I said to the judge your on her,
Speaker 11: here's this law. And she didn't resend it because he said,
Speaker 11: what are you going to do? You signed a contract
Speaker 11: with a minor, and even this judge didn't know. And
Speaker 11: I said, well, here's the law at the time. And
Speaker 11: he said, ma'am, it looks like we have to put
Speaker 11: a judgment against you for the money, or you can
Speaker 11: make it a payment arrangement. She so they paid me
Speaker 11: right there and I wrote the story in the newspaper.
Speaker 11: I asked the guy if I could write the story
Speaker 11: about little known laws, and I wrote the story and
Speaker 11: then the next week I got a pile of mail
Speaker 11: and he says this is for you, and he says
Speaker 11: you like doing this?
Speaker 2: I said yeah. He said, well research the more and
Speaker 2: I took out a letter and I solved that one
Speaker 2: so so almost like an advice column, but purely consumer
Speaker 2: did it turn into that. Yeah, it was the first
Speaker 2: one ever. It's called action.
Speaker 11: So I did it, and then I started liking doing that,
Speaker 11: but I was still that we were small enough. I
Speaker 11: had to do news still too, so I did both,
Speaker 11: and then I had my column. But that got so popular,
Speaker 11: So then a local TV station wanted stringers. They were
Speaker 11: people that worked as a correspondent, but you didn't work
Speaker 11: full time, but you carried a camera and went to
Speaker 11: news stories. So I wanted to get into broadcasting, so
Speaker 11: I did that.
Speaker 2: So would you like you would go out get whatever
Speaker 2: video then try to sell it to a station.
Speaker 11: No, No, I worked for them. They supplied me with
Speaker 11: the assignment. I went out and did it and then
Speaker 11: sent them the film. It wasn't tape, it was film,
Speaker 11: and you didn't you had to send it on a
Speaker 11: bus literally, So I do a news story, send it
Speaker 11: on a bus.
Speaker 2: It would get up there at four or five.
Speaker 11: In the afternoon on a bus. They would take it
Speaker 11: then call me on the phone and I would have
Speaker 11: to do my broadcast on the phone.
Speaker 2: It was called a beeper.
Speaker 11: It's a long story, but you would read the script
Speaker 11: over the phone. They would put that together with your
Speaker 11: film and then you'd have a story now. Obviously, because
Speaker 11: you were doing it like that, you couldn't have interviews
Speaker 11: and stuff. All you had was voiceover film. That's all
Speaker 11: you had as a correspondent, as a stringer. But I
Speaker 11: asked them if I could do more than that, if
Speaker 11: I could go out and find my own stories.
Speaker 2: They never had that happen. They said sure.
Speaker 11: So they were paying me back then. There's a lot
Speaker 11: of money for me. Two hundred dollars a story. This
Speaker 11: was in the seventies. You know, that's a lot of money, right,
Speaker 11: So I was doing two or three stories a week.
Speaker 11: That was a lot of money for a kid back then.
Speaker 11: And plus my newspaper was paying me two hundred a week.
Speaker 11: So I was doing these stories. And I started doing
Speaker 11: consumer stories like a new of device or a new something,
Speaker 11: or somebody who got ripped off, and they got so
Speaker 11: popular that got I just decided I want to do
Speaker 11: this full time in TV. But that TV station did
Speaker 11: not could not conceive of a full time consumer reporter.
Speaker 11: They just never heard of it. I mean, no one did.
Speaker 11: They said I'd have to do news. But I use
Speaker 11: those tapes I made to get a job in Florida
Speaker 11: and bigger station. No, it's actually a smaller station, but
Speaker 11: they were willing to make let me do consumer stuff only.
Speaker 11: And that was in Fort Myers. And then then the
Speaker 11: anchorwoman in Fort Myers wanted a job in Tampa. So
Speaker 11: when you were an anchor person, you had your tape
Speaker 11: you would bring on the job interview, and on that
Speaker 11: tape she introduced one of my stories. Tom Martino has
Speaker 11: that story, and he says, wait a minute, who's that
Speaker 11: Tom Martino?
Speaker 2: And she said, oh, he's a reporter that works with me.
Speaker 11: She said she didn't get the job, but she said,
Speaker 11: he wants to talk to you, and I said, oh,
Speaker 11: that's cool. So I went up to Tampa, which was
Speaker 11: a really big market, and then got that job, and
Speaker 11: then from there I was recruited to another station.
Speaker 2: Hold on, I want to stop you there, just so yeah,
Speaker 2: I've always been curious about this point. So at the
Speaker 2: point where you were in Tampa, at what point does
Speaker 2: anybody in the industry back in that period of time
Speaker 2: or maybe even now, at what point do they hire
Speaker 2: somebody to shop them to stations all around? In other words,
Speaker 2: when did you get an agent? Does that even come
Speaker 2: into it?
Speaker 11: Yeah, but in those days. You didn't hire the agent
Speaker 11: the other stations did for you.
Speaker 2: Let me explain that.
Speaker 11: When I was in Tampa, I was making an impact,
Speaker 11: and then I went to don't ask me why, but
Speaker 11: I went to Raleigh, North Carolina because one of my
Speaker 11: news directors from the original station went there, so I
Speaker 11: followed him. So I went from Tampa to North to Raleigh.
Speaker 11: When I was in Raleigh, the competition sent my tape
Speaker 11: out that they do that here too.
Speaker 2: Are they used to? I don't know what you mean
Speaker 2: by that.
Speaker 11: Okay, Like that happened all the time I've been on
Speaker 11: TV here, right. I was on TV up till about
Speaker 11: fifteen years ago. Right, So when I got here, the
Speaker 11: people did it all the time. My tape at Channel seven,
Speaker 11: when I was on Channel four, Channel seven and Channel
Speaker 11: nine would send my tape to a consultant who would
Speaker 11: try to get me a job somewhere else.
Speaker 2: Why to get rid of me? Oh my god, everyone
Speaker 2: did it. It wasn't just because of me. Everyone did it.
Speaker 11: It wasn't like they would try to They want you
Speaker 11: to leave because they didn't want you competing with them,
Speaker 11: so they would take key players.
Speaker 27: Oh wait, other stations would farm you out so if
Speaker 27: you god, that's a crazy way of doing business. Maggot
Speaker 27: and Associates and al Primo they were called. These were
Speaker 27: called consultants, So when they went to a station, they
Speaker 27: would consult that station on how to be better. But
Speaker 27: they also went to the other stations, not physically, but
Speaker 27: looked at reporters who they thought they needed to get
Speaker 27: rid of. Got it, And so they would send your
Speaker 27: tape out and they would actually represent you.
Speaker 2: So it was.
Speaker 11: Weird because like you would have, like al Primo and Associates,
Speaker 11: be hired by another channel and they would call you
Speaker 11: and you worked, you didn't work for that channel, and
Speaker 11: they couldn't hire you there because of the non competes
Speaker 11: that they used to have. So they would say, would
Speaker 11: you like to work in New York or would you
Speaker 11: like to work in San Francisco, because they that would
Speaker 11: help them help the other station if they thought you
Speaker 11: were a threat. I know that sounds weird, but it is.
Speaker 2: It's crazy.
Speaker 19: They did that all the time.
Speaker 11: So all of my job offers came from other stations
Speaker 11: sending out my tapes. So then that's how I got
Speaker 11: job offers all over the country.
Speaker 2: So at no point did you ever hire your own agent. No,
Speaker 2: it's just not done in the business.
Speaker 11: No, it is done in the business a lot, it's
Speaker 11: just not back then, we didn't because we were too poor.
Speaker 11: I mean, to give ten percent of what you make
Speaker 11: to an agent. Crazy because okay, so no, there were
Speaker 11: a lot of people that made more money than me
Speaker 11: that had agents, like people here in Denver anchor people,
Speaker 11: but not at that time. Time were regular reporters getting agents,
Speaker 11: not at that time. So what happened was when and
Speaker 11: by the way, these consultants also sent out tapes for
Speaker 11: other anchor people like for example, I'll bet you Mike
Speaker 11: Sardella and Ed land Mike Landis and Ed Sardella, who
Speaker 11: were on Channel nine for years and years in your powerhouse,
Speaker 11: I'll bet you their tape was sent out by Channel
Speaker 11: four more than any other state. I mean they were
Speaker 11: They wanted to get the good anchor people out.
Speaker 2: So that's how the competition would do it. The competition
Speaker 2: would try to get them a better job in some
Speaker 2: to make it easier to out here. That's right. I mean,
Speaker 2: Ronz Apollo was getting offers from all over the country
Speaker 2: because Channel nine and Channel seven would send his tape out.
Speaker 2: It was such a normal thing.
Speaker 11: We we knew it, like when we would get job offers,
Speaker 11: we knew.
Speaker 2: Oh thanks for that, you know it's crazy. Yes, I
Speaker 2: want to we got to take this break. I do
Speaker 2: want to. I want to follow up on something after this,
Speaker 2: So hold tight. Three oh three seven one three eight
Speaker 2: two five to five. Auto, Yeah, we gotta take Auto.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance checkup free, no obligation. In comparison,
Speaker 11: call Compass Insurance. Paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three oh three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate Man dot
Speaker 11: com to list your home with Remax Alliance three oh
Speaker 11: three nine two zero sixteen twenty two.
Speaker 2: Hi, Tom Martinez, Compass Insurance Group.
Speaker 11: By the way, free insurance checkups three oh three nine
Speaker 11: nine six nine thousand. Find out if you're covered and
Speaker 11: if your h could save money or overly covered or undercovered.
Speaker 11: That's three o three nine nine six nine thousand.
Speaker 2: Auto. What's going on?
Speaker 9: Hi, Tom.
Speaker 13: Hey, my name is Otto Snyder. Yes, calling because I
Speaker 13: received a letter from a company called Penny Mack in
Speaker 13: Los Angeles, California. I did my homework and googled it,
Speaker 13: but I couldn't match it up to a zip code.
Speaker 19: What did they want from you?
Speaker 13: It's actually information. The letter is indicating that a check
Speaker 13: was mailed to us in twenty one. In twenty twenty one,
Speaker 13: and I don't recall receiving that, but my.
Speaker 2: Gosh, that was Yeah, it's a sport. You did you
Speaker 2: have a mortgage with Penny Mac?
Speaker 13: I think when we it's a mortgage company, it is
Speaker 13: mortgage company.
Speaker 19: Yeah, Penny.
Speaker 13: But the letter states that the state of Colorado requires
Speaker 13: us to notify you that you're unclaimed abandoned property made transfer.
Speaker 11: They could be real, there could be a Normally with
Speaker 11: a mortgage company, when you get those unclaimed funds, they're
Speaker 11: usually a refund on the mortgage insurance premium that they
Speaker 11: paid upfront or something like that.
Speaker 13: So then the then the dates and stuff or the
Speaker 13: information that they're after, which is really just a signature and.
Speaker 11: Wait, wait, wait, wait wait, why did they don't need
Speaker 11: a signature? What are they after?
Speaker 2: They're probably if you go to, for example, the Great
Speaker 2: Colorado Payback, right, and you type your name in, it
Speaker 2: still has to verify you by asking you certain questions.
Speaker 2: The great you get that check. But I don't think
Speaker 2: Pennymack has to do.
Speaker 21: You know.
Speaker 2: What I'm saying is he should go to the Great
Speaker 2: Colorado Payback. That's where the money would have been deposited.
Speaker 2: But they just they'll just take a fee for doing
Speaker 2: what you could do for yourself. To no charge, to
Speaker 2: pay a company to collect a money or tell you
Speaker 2: how to collect it is a complete ripoff.
Speaker 11: Well, unless you lived in several states and you don't
Speaker 11: know which state it is, because you'd have to go
Speaker 11: to the specific stations.
Speaker 2: And match save you a lot of time.
Speaker 13: Yeah, but you go to the Colorado, the Great Colorado Paypack.
Speaker 2: Yeah, did they indicate how much it was? Yes, sir,
Speaker 2: they did how much?
Speaker 13: Seventy two?
Speaker 19: Well I listen, Well, we can.
Speaker 11: Look right now and see if it's there, because you
Speaker 11: can't well, I mean, you can do it right this second.
Speaker 2: Auto you already said it. What's your last name? Yeah?
Speaker 2: What's you?
Speaker 19: It doesn't matter because nobody can get the money.
Speaker 13: Schneider SDH and E I D.
Speaker 9: E R.
Speaker 2: Okay, let's let's look up autos. All right, let's put
Speaker 2: him on hold. I'm going to look that up. I'm
Speaker 2: going to ask him something else off air, and then meantime,
Speaker 2: let's hop over to Nate. Hey, Nate, what's going on
Speaker 2: with you?
Speaker 14: Hey, guys, thanks for taking my call. Hey, So, I'm
Speaker 14: a kind of an interesting situation. I was in a
Speaker 14: bicycle accident. I cut through the parking lot of a
Speaker 14: business and I hit a curb and was hurt pretty badly.
Speaker 14: I had knee surgery last week, so I'm kind of
Speaker 14: I'm exploring some options to the rub is that the
Speaker 14: accident happened literally in the parking lot of a very
Speaker 14: very well known personal injury attorney. And I don't know if.
Speaker 11: But I'm not so sure they would be liable. Did
Speaker 11: they do something wrong?
Speaker 3: I don't know.
Speaker 14: I feel like the curve that I hit is very
Speaker 14: oddly placed and not I think maybe you answered my
Speaker 14: question about about that, and that's and that's fine.
Speaker 11: No, No, here's what I'm saying, Nate. Because something happens
Speaker 11: doesn't make it someone's negligence or liability. It's not doesn't
Speaker 11: mean they're negligent and it doesn't mean they're liable. It can,
Speaker 11: it can, But one of the hardest things in liability
Speaker 11: is premises liability. In premises liability, specifically, you have to
Speaker 11: show that they knew about it and did nothing about it.
Speaker 2: And he cut through a parking lot. Ye, I were
Speaker 2: a bicycle supposed to.
Speaker 11: Be no but there there still could be liability even
Speaker 11: if you're unauthorized.
Speaker 2: I mean, I know it's weird, but it's fun.
Speaker 14: My concern obviously, I want to get.
Speaker 11: John Fuller on to ask him basically, and I don't know.
Speaker 11: If we have a lot of we might be able
Speaker 11: to get him on. If we can't, we'll bring you
Speaker 11: up tomorrow. Really, John Fuller will have a real take
Speaker 11: on this, and you really rather than letting it go
Speaker 11: just from what I say, let's talk to John hold On,
Speaker 11: all right, Nate, all right? Three oh three seven one
Speaker 11: three talks seven one three eight two five five. I
Speaker 11: guess we should take a break and come back. Are
Speaker 11: you going to see if Atto has money?
Speaker 19: Yeah?
Speaker 2: I'm looking right now. All right?
Speaker 11: We got more right after this, go with a sure
Speaker 11: thing Denver's Best roofer Excel roofing dot com. You don't
Speaker 11: pay a cent until you're content. Time for an insurance
Speaker 11: check up free, no obligation. In comparison, call Compass Insurance
Speaker 11: paying too much your coverage at dozens of insurance companies
Speaker 11: find out now three oh three seven seven to one help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: durand the real estate man dot com to list your
Speaker 11: home with Remax Alliance three oh three nine two zero
Speaker 11: sixteen twenty two seven one.
Speaker 2: Three eight two five five. Please, folks, do not forget
Speaker 2: three zero three Martino. Tell your neighbors, tell your friends
Speaker 2: you've been ripped off. You ever need help, that number
Speaker 2: works twenty four seven three oh three Martina.
Speaker 19: So does autto have any money coming?
Speaker 2: Well, here's the problem, Otto, I don't have enough information.
Speaker 2: I don't see your exact name. But I see a
Speaker 2: lot of autos and a lot of Schneiders, but not
Speaker 2: Auto Schneider. I've seen a couple, but it's like eight bucks.
Speaker 2: So what you need to do is go look for yourself.
Speaker 2: Just Google. Don't go to dot com, but Google. The
Speaker 2: Great Colorader stack auto could have have been another state autom.
Speaker 13: I was a traveling pipe bitter by trade in.
Speaker 11: No but I mean, where was this mortgage? Did you
Speaker 11: have a mortgage with these people?
Speaker 13: You're in Colorado?
Speaker 2: You're in Colorado, okay.
Speaker 13: Twenty fifteen. We settled in Colorado in Greeley here and
Speaker 13: purchased this home at that time. And again, I just
Speaker 13: recently lost my wife, so I don't want to be
Speaker 13: scammed out of money. But this says refunds do So
Speaker 13: that's what got my And what.
Speaker 2: Does it wants? I don't understand this sign It wants
Speaker 2: a signature, yes it does, along with what.
Speaker 9: Title?
Speaker 13: The date of course, a phone.
Speaker 2: Number and what do you mean title?
Speaker 13: I don't know what that means either, I would guess homeowner.
Speaker 11: Well I don't even know what that means a title.
Speaker 11: Oh oh, okay, are you sure that's what that means?
Speaker 2: It sounds like it. Okay, that's always means I see it. Okay.
Speaker 2: And are they asking for a social.
Speaker 13: The last four digits?
Speaker 2: Yes, well, there's nothing wrong with that, okay.
Speaker 11: I don't know, like, like, if you want to send
Speaker 11: us a copy that, we don't mind looking at it.
Speaker 2: I just don't know what their game is.
Speaker 11: They don't want any payment, or any bank information or
Speaker 11: any credit cards.
Speaker 2: Nothing right, See, I got one right here for one
Speaker 2: hundred and seventy two bucks for yourself. Yeah, for myself.
Speaker 9: You didn't know that.
Speaker 2: Yeah I did know it, but I'll tell you I
Speaker 2: don't want to get into it. But it would be
Speaker 2: a pain in the ass for me to get this.
Speaker 2: But when you go to it to file acclaim, here,
Speaker 2: I am owner. Then you hit file a claim. So
Speaker 2: they want first name, last name, middle name, date of birth, email,
Speaker 2: home phone, social security current mailing address. So that's the government.
Speaker 2: You never give that to anyone else. Yeah, that's what
Speaker 2: I'm saying to him, though. If they're asking for this
Speaker 2: over some form of snail mail or something, I wouldn't
Speaker 2: give it out. Go to this, go to the Great
Speaker 2: Colorado paymer.
Speaker 19: You couldn't find his name.
Speaker 2: I don't know what was got it. Yeah, he must
Speaker 2: find it.
Speaker 13: Is your name I have written on the Great color.
Speaker 19: Is your name? Is your full name?
Speaker 2: Truly?
Speaker 19: Your first name? Otto?
Speaker 13: Yes it is, okay, fourth generation uncle Otto, Roy Schneider.
Speaker 11: There was a great movie, No No, with Tom Hanks.
Speaker 11: Did you see a man called Auto?
Speaker 2: A great movie? You gotta see it. It's a it's
Speaker 2: a cool movie. It's a really good watch movie.
Speaker 9: Tom.
Speaker 13: I have more important things to do, like working in
Speaker 13: the garage and building things.
Speaker 2: So what do you build?
Speaker 9: You?
Speaker 13: Wait for that? Oh, just all kinds of cool wood
Speaker 13: things and metal things and start pieces.
Speaker 19: Yeah, I know, I know what you mean. But I
Speaker 19: love movies.
Speaker 13: I'm retired, so this is you know, this is my life.
Speaker 9: Now.
Speaker 2: You might have free money out there now?
Speaker 13: Yeah, you know again, I want to I'm sure glad
Speaker 13: you guys are there to help us.
Speaker 11: And when you if you send us, if you email
Speaker 11: it to me, Kachina can tell you how to email.
Speaker 2: I would I take a look at it for you.
Speaker 11: I don't think there's anything too dangerous about filling it
Speaker 11: out and see what happens.
Speaker 2: I don't like given my social No, no, he's just the
Speaker 2: last four digits of his social that's a little better.
Speaker 2: This want's your full social on the Colorado site.
Speaker 11: Yeah, but that's the Colorado site. I would trust them
Speaker 11: for that, I do, all right. I want to recap
Speaker 11: with Paul the Waterman real quick here Paul waterpros dot net,
Speaker 11: So right now until further notice, you have a whole
Speaker 11: house softener along with a triple filter reverse osmosis drinking water,
Speaker 11: so you get both drinking water and you get soft water.
Speaker 11: So we're talking to host shooting match here for thirty
Speaker 11: one ninety five.
Speaker 4: Right, twenty four thousand grain water softener with the reverse
Speaker 4: osmosis everything manufactured in the United States of America for
Speaker 4: thirty one ninety five.
Speaker 2: Paul, Does that cover any size house? I mean, oh,
Speaker 2: that's a good question. What is that for, like the
Speaker 2: tiniest of tiniest.
Speaker 4: Or what a standard water softener is? Twenty four thousand
Speaker 4: grain three quarters of the cubic foot you know, can
Speaker 4: cover you know, majority of the houses. Now, if you
Speaker 4: have you know, six bathrooms, that's a different story. No, okay,
Speaker 4: so we're talking about most houses. And yeah, he doesn't
Speaker 4: do bats.
Speaker 2: What do you think Suzanne loves about our system from
Speaker 2: Paul better than anything else you might have heard me
Speaker 2: talk about it.
Speaker 19: No, I'll tell you no.
Speaker 2: No water spotting her hair, Oh for sure. Which why
Speaker 2: is that though? I mean my hair doesn't.
Speaker 11: Because the minerals stay in your hair. Absolutely, they stay
Speaker 11: in your hair and good for your hair. Yeah, Well,
Speaker 11: it's good for everything because you don't have it all on. Yeah,
Speaker 11: And it's good for your plumbing, and it's good for
Speaker 11: and water spotting.
Speaker 19: You're gonna notice that washing your fricking car.
Speaker 11: I mean, it's amazing that the small stuff like that, right,
Speaker 11: And I'm surprised he hasn't mentioned laundry. It's it's gonna
Speaker 11: be both, yeah, all right, three zero three, Martito, don't
Speaker 11: forget that number works on and off the air.
Speaker 2: Help at troubleshooter dot com. We'll be back with you
Speaker 2: tomorrow