The Troubleshooter 8-19-24

Episode Transcript

Speaker 1 (00:04):
Ripped off who you don't have, come running just as
fast as we can. Shooter's gonna help coming, man.

Speaker 2 (00:19):
This is the Troubleshooter Show now, Tom Martinez, welcome my
friends to the only show of it's kind. We're here
to solve problems, answer questions, take complaints. In fact, our
goal in life is to make your life just a
little bit better. You've been ripped off taking advantage of
maybe some scumbag contractor took money and never showed up,

(00:41):
and you need help trying to recoup the money or
at least warn the public of such a scoundrel. This
is the show for you. The number is easy to
you ready, three oh three Martino. That number works on
and off the air, so even if you're ripped off
at midnight, you can call us up three zero three Martino.

(01:02):
Don't forget help at Troubleshooter dot com. And when we're
live on the air, you can also get through instantly
at three oh three seven one, three eight two five five,
and I will always let you know when a line's open.
We've got Deputy Dock with us today. Deputy Doc, how
was your weekend, sir? I bet you were out hitting
that golf ball. Oh I was a little too hot,

(01:22):
but I was. I did hit the poker tables all right,
playing poker. Then we have Paul the water Man. What
is going on?

Speaker 3 (01:29):
Paul?

Speaker 2 (01:30):
Good morning? How are you? I'm doing good? How about you?

Speaker 4 (01:33):
I'm awesome, awesome, living the American dream here in Colorado. Yeah,
how's a water biz? It's good. Were It's it's really good.
We've had a great you know, June, July, and August
is even better. So you guys do water systems. You
did ours, you did a soft water system for us.
What I'm what I really want to know is why
is this time of year better than say winter or

(01:54):
the or is it just happened to be busy right now?

Speaker 2 (01:57):
It just happens to be busy right now. Yeah, because
unlike a fern business or air conditioning, I mean, you're
probably pretty steady all year, maybe when it's really cold out.

Speaker 4 (02:06):
I think people are paying attention to articles that they
see with water quality, especially the microplastics, pharmaceuticals, you know,
especially forever chemicals.

Speaker 2 (02:18):
I was looking knowing you were in studio. Now I'm
going to absolutely kill this word, poly flor recal. Look,
do you know what it is. Yeah, it has to
be really bad. If you can't pronounce it, it's got
to be really nasty. But that stuff gets in the water.
A lot of it's plastics, it's yeah.

Speaker 4 (02:39):
So the forever chemical issue is something that when it
started a year ago, Mark there was four of them
in the pifos family. Now there's only Now there's over
fifteen thousand. Why is that, Well, because they're doing theirs,
they're doing the testing, they're finding more other elements.

Speaker 2 (02:55):
And what it is.

Speaker 4 (02:56):
It's a water resistant element that gets in water and
it does and break down. It stays and then that
element bonds together, you know, like mercury. You separate mercury
and it went back together. That's what this come up
to tell you.

Speaker 2 (03:09):
I'll tell you what's really scary about it. If you
look into it, it's everywhere. Now, of course we drink
water all the time we're human, so that's probably the
major source of where we get it. But it's in
the food supply that puts in the air. It is everywhere,
absolutely for every chemicals. Our body I think eventually is
going to have to learn to adapt because you could

(03:29):
test anybody virtually anywhere and there's forever chemicals in their body.

Speaker 4 (03:34):
The other concern is now these nanoplastics in the body,
and with people that have stints, that nanoplastics can basically
build up around the stints. So stints are there to
help break down plaque, but plastics can accumulate.

Speaker 2 (03:46):
Around it, around it and then create well a block blockage,
and then all of a sudden you get a stroke.
It's seriously, yeah, it's crazy. And then to think about
the cows drinking the water. So basically it goes like this,
So forever chemicals get in there through the air, they
hit the water, and then once you're in the water,
the cows eat the chemicals. We have a steak, we

(04:06):
have the chemicals.

Speaker 4 (04:07):
And then then there's a study being done. They're concerned
about babies that are getting levels of microplastic because it's
in the human body.

Speaker 2 (04:15):
Because it's that's it's insane, it is, it's something we've
got to adapt to. Deputy Bow, what's going on with you?
Would you do this weekend?

Speaker 5 (04:23):
I can be a sad weekend. I'm prepping my daughter
to move her into see you boulders.

Speaker 2 (04:28):
Oh well that's so close. Come on. I packed my
daughter up and we had to drop her off in Wyoming,
see you Boulder? What is that twenty minutes away? Forty
five minute drive? They still forty five minutes thirty six seconds.
But I'm leaving.

Speaker 5 (04:43):
I'm keeping her car at my house. Who she stays
on campus?

Speaker 2 (04:47):
Yeah, that's cool though, first year they should I believe
that at least.

Speaker 6 (04:50):
Yeah.

Speaker 5 (04:51):
And then it spent the weekend working on four cases
Camping World.

Speaker 2 (04:54):
Oh man, we are getting a lot on Camping World.
Can't get any of themselves. We'll get to that in
a little.

Speaker 5 (05:00):
That four cases I'm working on, but they're all struggling, but.

Speaker 2 (05:03):
We're going to get through it. Yeah, Camping World has
turned out not to be a great company in my opinion.
We're getting more and more on them. It's getting a
little crazy, all right. Three oh three seven one three
eight two five five. I diagress, Brenda, what is going on?
What is this issue with employment or unemployment? Him?

Speaker 7 (05:23):
My name is Brenda. I was calling to let the
public know of the unfair practices that Grandma's Goodies.

Speaker 2 (05:29):
Grandma's Goodies? What is that?

Speaker 7 (05:32):
It's an Italian restaurant.

Speaker 2 (05:34):
It's an Italian restaurant. I'm looking it up as.

Speaker 7 (05:36):
We go restaurant on Harlon Street and Wheat.

Speaker 2 (05:39):
Rich and what what is the unfair? What are they doing?

Speaker 8 (05:44):
Well?

Speaker 7 (05:45):
First of all, I went in greeted everyone. I am bilingual.
First I greeted everyone. Ninety five percent of the staff
in the back is Hispanics, but reading them in Spanish
whole good morning man.

Speaker 2 (05:57):
They got great reviews, they got strode up almost three
thousand reviews for now.

Speaker 7 (06:02):
Yeah, that's why I worked, That's why I wanted to
work there. And then the owen's daughter told me that
I was not allowed to speak Spanish.

Speaker 2 (06:10):
Now, why would she? Now, hold on, hold on, I
want to understand, and I'm not asking for you to
get in her brain, but I'm asking you your thoughts
on it. Why would she not want you speaking Spanish?

Speaker 7 (06:24):
I don't know.

Speaker 2 (06:24):
I think, well, hold on, I just think it's maybe
think it's through, come up with something for me.

Speaker 7 (06:30):
I don't know. Her excuse was saying that she was
trying to teach them how to speak more English. Okay,
and that was what she said, but I took it
totally the wrong way, Like you do not ask someone
that's speaking Spanish to not speak their native language.

Speaker 2 (06:44):
Yeah, but you're working there for I'm not I'm not
so sure I understand why that's a big deal. If
I hire you at my automotive shop and I don't
want you speaking Spanish to the customers, I rather you
speak English.

Speaker 7 (06:56):
Oh No, it wasn't to the customers. It is to them.

Speaker 2 (06:59):
I mean, I mean even to the employees in fact,
in fact, probably more to the point. With the employee.
Saying not to do it with the customer wouldn't make
any sense, but saying it with say, the kitchen staff
or anybody else, the technicians in the back. I'm not
so sure. I don't understand why you would have a
problem with that.

Speaker 7 (07:18):
That was one of the issues. The other issues is
I made tips the whole day. Yeah, and I was
not allowed.

Speaker 9 (07:23):
To keep my tips.

Speaker 2 (07:24):
Well, what happens, sir, that's a bold statement. What happens
to the tips?

Speaker 9 (07:29):
That's what I asked.

Speaker 7 (07:30):
I asked what happened to the tips? She said, if
you want to ask about the tips, you could. I
could give you the owner's number and you could ask him.

Speaker 2 (07:38):
Well, I don't understand.

Speaker 7 (07:39):
So were you a waitress?

Speaker 2 (07:42):
Were you a waitress?

Speaker 10 (07:44):
Yes?

Speaker 7 (07:44):
I was waitressing, So help.

Speaker 2 (07:46):
Me out here.

Speaker 9 (07:47):
Everything.

Speaker 2 (07:47):
Okay, help me out. When you're playing waitress and you
deliver the food and they're happy, and at the end,
let's say they give you cash, like a twenty dollars bill.
Are you telling me you have to give the twenty
dollar bill to your manager? Yes, okay, and then what
happens to it? I would assume at some point I
want to know.

Speaker 7 (08:07):
That's why I'm calling because I believe this is way
on fair practices, Like who gets to keep this money
if I don't get a chance.

Speaker 2 (08:13):
So they're telling me a grandma's goodies, Hold on a
grandma's goodies. They won't even tell the staff what happens
to the tips?

Speaker 7 (08:22):
Nope, they will not.

Speaker 2 (08:23):
So not just you, but anybody that works there, as
far as a waitress or kitchen staff or a bus
boy or whatever. None of them get any tips.

Speaker 7 (08:33):
Nope, nobody's allowed to get the tips. And there's a
jar in the front of the register and we have
to put all our tips in there.

Speaker 2 (08:40):
What do they pay you?

Speaker 7 (08:42):
Seventeen dollars an hour?

Speaker 2 (08:43):
Okay, So maybe they're thinking they keep the tips because
they're paying you higher wages. And what a weight staff
would make, I mean, does that make sense.

Speaker 7 (08:52):
No, because people like that. No, because my cousin wass
at Corner Market and she gets paid seventeen dollars an
hour plus tips. At the end of the night. They
do tippulling, so everyone gets a portion of the time
allowed to even have a tip.

Speaker 2 (09:06):
But I'm talking more of the legalities of it. I
realize there's places you might get paid twenty five bucks
an hour and get to keep your tips. I'm not
arguing that, but there's two different ways of paying someone
as a waitress hourly or as a server. I should
say one would be a very low amount and then
they get to keep the tips. I'm not sure what

(09:27):
the state minimum tip amount is now or wages that
also receive tips. But the other way would be a
much higher above the regular hourly, which you could do
as well. But I don't know if a establishment is
allowed to keep tips like you're saying, and you're sure
they keep them, they don't. They don't break them up

(09:48):
and put them in your paycheck at the end of
the month. All right, Hold tight, that's that's very interesting.
Hold tight. I want to do a little research and
if this is true, and it it's not supposed to
be that way, We're gonna dig our teeth into it.
Three oh three seven one three a two fifty five.

Speaker 11 (10:11):
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 2 (10:15):
You don't pay a.

Speaker 12 (10:16):
Cent until you're contenth.

Speaker 11 (10:21):
Time for an insurance checkup free, no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven
to one.

Speaker 2 (10:31):
Help.

Speaker 11 (10:31):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance. Three oh three nine two zero
sixteen twenty two.

Speaker 2 (10:43):
All right, three oh three seven one three a two
five five.

Speaker 9 (10:46):
No.

Speaker 2 (10:46):
Employers in Colorado, No, no, no, they cannot keep any
portion of employee tips. This is according to both the
flssay and the Compsorder number thirty eight, whatever the hell
that is. Employers can collect tips for redistribution through tip pulling,
and a lot of restaurants do that. That makes sure

(11:08):
the bartender, the bus boy, the waiter, everybody gets a
cut of that tip because everybody's part of that experience
that customer. But they cannot keep any of the money
or distribute it to managers, supervisors, owners, or non tipped employees.
So the allegation, the allegation you are making, uh is

(11:29):
pretty pretty wild. You're not allowed to do that, Brenda.

Speaker 7 (11:34):
It's a true fact.

Speaker 2 (11:35):
Go down. Question. Hold on, Bo's got a question. He
called over there, Colin, and I have a question. Were
you only employed there for six hours?

Speaker 13 (11:44):
Yes?

Speaker 2 (11:45):
Six hours? What the hell? How would wait? Wait, wait
wait wait wait wait six hours? What possibly happened in
six hours to where you no longer work there?

Speaker 7 (11:58):
I was getting multiple tips. People were get this. One
guy gave me two fives, had me two fives for
just giving him water, and I was being super polite.
He said, thank you so much, you were super ply.
Can I give you this? And I said, no, I
cannot accept that. So what I did? I told him
it's that tip jar over there, so that at the
end of the shift, I told her I can I

(12:18):
can no longer work here like this is not fair,
Like this is unfair practices. There's no way. I told
her who gets to keep these tips? And she said,
if you want to talk to the owner, you could
talk to.

Speaker 2 (12:28):
The Ownkay, listen, Brenda, I'm convinced it's tick pulling, meaning
they all go into the jar and then they get
split up.

Speaker 7 (12:36):
It's not she said, I will not receive any tips. Ever,
that's who said that to you, Joey, the owner's daughter.

Speaker 2 (12:45):
Joey said, you will never received I have a hard
time believing it. I have an outright hard time believing
that this restaurant is that stupid to where all their
employees and I'm looking at their ratings, which has to
do with they're food and customer service that appears to
be pretty good. But not one other person that works
there outside of management and owners makes a tip, They

(13:09):
take it, and the owners keep it, is what you're alleging.

Speaker 7 (13:13):
Well where does it go?

Speaker 9 (13:13):
I have no idea, but.

Speaker 2 (13:15):
You only work there six hours? Well would you know
where it goes?

Speaker 7 (13:20):
Because I'm not going to work there any longer. If
they're going to take advantage of me, why would I
want to work there for the whole entire weeks. I
was only supposed to work Thursday and Saturday, and then
next week I was going to get a new schedule.
I was not going to continue to work there and
let them keep my tip.

Speaker 2 (13:35):
Brenda, I just call it the way I see it.
In fact, that's probably one of my biggest problems in life.
I get in a lot of trouble saying it and
calling it as I see it. And I'll be honest,
I think you're wrong one hundred percent. I think it's
tip pulling and they cut those up. I don't know
if they do it weekly nightly, but you were only
their six hours, and I would have no idea how

(13:56):
you can come on the air and a ledge that
they just keep the money. Don't think they do. You
can argue, you can argue all day that maybe it's
not fair to you. Maybe if you work your butt
off and someone gives you twenty bucks, you might be
able to argue you should keep all that twenty But
that is not what they're doing at Grandma's Goodies and

(14:17):
they're tip pulling. I'm telling you right now, there's no
way the ownership is keeping the tips. I don't believe
they are.

Speaker 7 (14:24):
Then that's why I'm calling to investigate. I asked her plainly, like,
can you please tell me where it happens to bo?

Speaker 2 (14:31):
I want you to call back later on. Is there
someone there?

Speaker 9 (14:33):
Now?

Speaker 2 (14:34):
This is I think they're an upfront company.

Speaker 5 (14:36):
They're very responsive.

Speaker 2 (14:37):
When I called, Yeah, what they said? They said she
worked there six hours.

Speaker 5 (14:40):
And she says, we know this, this employee in question,
you're only there six hours. I don't know what the
issues were, but the person I talked to, Tyy said,
the owner is going to call me within an hour
and give me an explanation.

Speaker 2 (14:54):
There we go. We're gonna find out what happens to
that money, and if they are keeping it, Brenda, I
will sho spotlight so big on Grandma's Goodies that you
know she's gonna have to put on a different girdle
or whatever the hell I'm trying to say. So we'll
figure it out for you. All right. We're gonna call
you back after we hear from the owner, and then
if we don't hear something or it sounds shady, we'll

(15:15):
call the labor board. But I'm telling you right now,
I think you're really pissed that you didn't get to
keep the entire twenty or ten bucks or whatever. And
it's tip pulling. But I am so sure that they're
not keeping the tips. It's crazy. Is there anybody in
this room that thinks Grandma's Goodies is keeping the tips? Anybody.

Speaker 5 (15:33):
I believe they're splitting them up with the people in
the back.

Speaker 2 (15:35):
They probably do it on the paycheck. They probably keep
it for the week. I mean, I don't know how
they do it. Deputy Doc, you go out to eat?
What the hell do you think's going on here? I
think she's mistaken. Mistaken is one way of putting it.
Three oh three seven one three eight two five five.
We do have some lines open, two lines open, three
oh three, Martino, you've been ripped off taking advantage of

(15:57):
you want to talk about a bad dentist, a bad life,
and lord, you name it, we're here for you. Three
to zho three Martino. Mary, what's going on with you? Mary?

Speaker 14 (16:10):
Oh?

Speaker 2 (16:10):
Hi, Hi Mary? How are you well?

Speaker 15 (16:13):
I'm good, Mark, thank you for helping me out.

Speaker 2 (16:16):
You got it? What's going on? It says something about
Premiere Credit Protection. What is it?

Speaker 15 (16:22):
Okay? Well, that's my question. That's why I'm calling. So on,
let's see Thursday in the mail with my address home address.
It says, thank you for choosing Premiere Credit Protection to
safeguard your Premiere bank Card credit card account ending in

(16:44):
two ninety seven to one.

Speaker 2 (16:46):
Now, do you have a credit card from a Premier
Bank that ends in.

Speaker 15 (16:49):
That I did not Hotel Saturday when it came in
the mail.

Speaker 2 (16:54):
Did you fill out an application for one?

Speaker 15 (16:57):
Absolutely not.

Speaker 2 (16:58):
Well that's not good at all that I can share
you Go ahead, Doc, I know. Hold on, Doc's perch.

Speaker 16 (17:05):
They do that all the time, they send credit cards.
Just throw it away and forget about it.

Speaker 2 (17:11):
Well wait a second, doc, Doc, hold on, hold on.
I can't think of the last time I opened up
my mail and I've got eight I'm like you, man,
I've got like perfect credit. I can't remember the last
time I opened my mail up and there was like
an Amex Platinum that I never filled out, or a
City Bay card. I've never heard of anything like that.

Speaker 16 (17:30):
Those legitimate credit cards, Mark, I'm telling you, I get
them in the mail.

Speaker 2 (17:34):
So you think the Premier card is just BS.

Speaker 16 (17:37):
No, it's if she doesn't activate it, no harm, no foul,
just throw it away.

Speaker 2 (17:43):
Well, I don't understand why she would have received it either.
It's fishing, that's all I Doc, Doc, I just don't think.

Speaker 9 (17:52):
So.

Speaker 2 (17:52):
I would love to get to the bottom of it.
Here's what I would like to do. Why don't we
In fact, Doc, I'm looking right here and it's says
if your first premiere? Is it first premiere? Bank?

Speaker 15 (18:04):
Well, it's confusing.

Speaker 2 (18:07):
Could you take a picture of the credit card, the
actual credit card and send it over to Kelly so
I can look at it. Yes?

Speaker 15 (18:13):
Is it the front and back or just not just.

Speaker 2 (18:16):
The front with the numbers? Actually, yeah, front and back,
take a picture of it. Hold on, hold on, let
me take this break so I stay on time, Kelly,
do me a favor. Giver an email to send a
picture of that credit card over or a text or something,
and I want to look at it. Then we're going
to call over there. I want to see if someone
filled out or did an app with your social Security number,

(18:36):
basically stole your identity, or like Doc said, they just
set you one out and they want you to do it.
In fact, if there's a picture, if you could also
send a picture of the label or i'm sorry, the verbiage,
the actual contract or the welcome letter whatever came with
it would be great as well. Three to Zho three Martino,

(19:00):
go with a sure thing Denver's best roofer Excel roofing
dot com.

Speaker 12 (19:04):
You don't pay a cent until you're content.

Speaker 11 (19:09):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies. Find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 2 (19:35):
All right, folks, three oh three seven one three a
two five five, don't forget. Please check out our YouTube channel.
You can watch us listen to us during the break.
It truly is a show within a show. Hey, Kelly,
is that woman sending over a picture of that credit card?
Haven't got it yet, but we're working on it. Awesome.
I was told too, And I'm going to go to Ruben,
who's got a comment on that. By the way, three

(19:57):
oh three seven one three eight two five five, we
have two lines open. You've been ripped off, taken advantage
of Really, if you just want to, you know, help
other people not get ripped off. I'd love to hear it,
but I was told by virtually everybody in this room
that they do get credit cards sent right to their house.
And then if you activate them they're good without filling

(20:18):
out any information. It made me start wondering if the
reason maybe I don't is I have had my credit
lock now forever. And I would assume they do a
soft pull on your credit before they send out a
credit card. But Deputy bow you said you had a
few sent to you, right, and Doc you said it, Paul,

(20:38):
have you ever received one in the mail? Just boom,
you open it up and there's a visa from somebody.
I haven't, but my wife passed. Got I wonder why
I never have. The only thing I can think is
maybe my credit's locked. Maybe I have way back in
the past. Shannon, have you ever received one? Or Kelly?
Just opened the mail up and then there's a credit card.
All you have to do is activate it. No, h Shannon,

(21:02):
I'm usually getting summons. All right, Say Ruben, what's your
comment on it?

Speaker 3 (21:13):
Hello?

Speaker 2 (21:14):
Yeah, Ruben, what is your comment?

Speaker 14 (21:17):
Oh?

Speaker 8 (21:17):
My comment is that, uh, that I had a similar experience.
I I received a credit card. I mean I did
uh quite a few purchases uh at Lows and uh
and uh after a while they sent me they sent

(21:39):
me a credit card, a lost credit card from City Bank,
and UH, I called because it was it was very
strange to get a credit card without applying.

Speaker 2 (21:55):
For it, big time strange.

Speaker 8 (21:58):
Yes, So I called the the number two. I was,
I was gonna question somebody why they sent me a
credit card when I never.

Speaker 2 (22:08):
Applied for it. And what they said, well.

Speaker 8 (22:12):
They're recording the they recording the the activation thing. Uh,
give me a balance of sixteen hundred, sixteen hundred dollars.
So I hung up and UH called again because I
had to hear it three times to understand it, be

(22:35):
able to yeah, to be able to understand.

Speaker 17 (22:38):
So ultimately what happened, well, it it looks to me
like someone at Lows was committing fraud.

Speaker 2 (22:50):
I got you. So look everything, I agree with you.
And let me say this everything I'm reading everything now
granted we're talking you know, AI, Google or Bang whatever
I'm using. What it's saying is banks are not supposed
to do that. What they can do is send you
something that looks and smells like a credit card, but

(23:12):
it is not until you go online. That's when you're
actually filling out the application. So when you actually get
the credit card, it's not even a real credit card. Basically,
it's just something to spark your interest to go online,
and then you fill out the information. Then if you're approved,

(23:32):
then you actually get a credit card. They're not supposed
to just send you a credit card, period, end of story.
They're not allowed to do that. Maybe in the past
they were, but I do not think they're allowed to
do that according to what I'm reading right here, and
it says to call the Premiere Banks customer care team
if someone did fill out an application or if you

(23:53):
received one in your mailbox without requesting it. So, hey,
I appreciate what you're saying, and you're basically saying what
I am. Someone probably stole her identity.

Speaker 3 (24:06):
Yeah, I think so, I think so.

Speaker 8 (24:08):
And what I did, I went, I went and title
a police reports, yep, right away, and I went to
the Lows and talked to the assistant manager and I
give her a copy of the police reports. And I said, listen,
I said, I better not hear from you guys ever again.

(24:28):
And if I get if I get that credits, because.

Speaker 2 (24:37):
I got I got you, Ruben. I appreciate it, man,
I appreciate you calling in and you took care of
it right, and they closed it. And that was that.

Speaker 8 (24:46):
That was it. That was it. I've never heard from
them again, and I never had any any issues with.

Speaker 3 (24:53):
My credit reports.

Speaker 2 (24:54):
All right, That's why I tell everybody, and we say
that a lot on the show. You need to lockdown
credit file. Now, Mary, looking here, you need to call
this eight hundred number that looks like your credit card
to me, that does not look like some promo, fake
credit card, that looks like a freaking credit card. I
would call them up immediately and go, hey, I didn't

(25:16):
order this credit card and I had it. And if
they say, yes, you do have it, and you filled
out an application that means your identity was stolen, then
we can help you get that closed up. But there's
something there's something not good here. If you did not
fill out for this, is it possible you have a
kid that might have done it or anybody mark yes,

(25:38):
go ahead?

Speaker 15 (25:39):
Oh oh no, that's absolutely impossible.

Speaker 18 (25:43):
Okay, here's the deal.

Speaker 15 (25:44):
I did call the eight hundred numbers. What they say this, well,
you can't get a live person. I hit the prompt
that said enter your credit card number status status Yeah, no, no, no,
I haven't received the card yet. This was Thursday. Yeah,
I hadn't received the card, so I'd hit the prompt.

Speaker 2 (26:06):
But Marry, where did this bring you? I mean, I
appreciate the prompt by prompt playback, but where did it
bring you?

Speaker 15 (26:13):
I'm just telling you that what it said is a
recording says we need your social Security number.

Speaker 2 (26:19):
I bet it's a fake. This is this is even
more insane. What number did you call? Because I want
to see if it's the one i'm looking at.

Speaker 13 (26:26):
Service what number do you know?

Speaker 15 (26:29):
Yes, I have it right here, Yeah, eight hundred, yep,
nine eight seven, uh oh five five two one.

Speaker 2 (26:38):
That's not the number I'm looking at. Where did that
number come? Did it come with the credit card.

Speaker 15 (26:44):
On the no, on the Thursday paperwork that said thank
you for choosing Premiere credit card.

Speaker 2 (26:50):
Okay, this is the craziest thing this could. I have
a hard time believing this is the most elaborate credit
card hoax I have ever heard of, But I'm starting
to think it might be. I have got a picture
of that credit card. I'm going to have Deputy Doc.
I'm going to have them call up this eight hundred
number I have right here. Go ahead.

Speaker 11 (27:11):
Thomas just walked in. I think I think I know
what's going on. What do you think you had somebody else.
You'll remember this. The scam was they stole their identity,
or they stole this person's identity.

Speaker 2 (27:23):
They got a card they were going to intercept it,
a real credit card. Yeah, and this looks like a
real one.

Speaker 11 (27:29):
But the guy or woman who did that the scam
did not intercept it in time.

Speaker 2 (27:34):
Well, there's one problem with that theory. And the problem
is she received this welcome letter as well that has
a phone number to call. When she called it, they
wanted your entire your entire social not just the last.

Speaker 15 (27:48):
Four Oh wow, that's correct.

Speaker 2 (27:51):
That sounds crazy to me. Give that phone number to Kelly.
We're going to dig into this over the break hold on.

Speaker 11 (27:58):
Okay, one word, go with a sure thing Denver's Best
roofer Excel Roofing dot com.

Speaker 12 (28:06):
You don't pay a cent until you're contenth.

Speaker 11 (28:12):
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three, seven
to seven to one help.

Speaker 2 (28:22):
You'll think you're his only customer.

Speaker 11 (28:24):
When you choose Frank durand the Real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 2 (28:37):
Try three oh three seven one three eight two five
five Martino in the house. You've been ripped off taking
advantage of We want to hear from you. I'm going
to go back to Mary in a second. But Tom,
have you ever received I think years and years and
years ago, I received maybe a credit card in a
mail like a seer's card, without filling out any information.
But I can't remember the last time I have Mary

(28:58):
got a card. It it's like a credit card, smells
like a credit card. Doc's gonna call to see if
it's real with the actual bank. But she never ordered it. Yeah,
and I was thinking it was someone who was going
to hoist it from the mailbox. I think so too.
At this point, I don't know what else it could be.
It can't be so elaborate. There's there's someone actually making
up credit cards. But you wanted to add something to it, Mary,

(29:21):
what is it? Oh?

Speaker 15 (29:23):
I was just going to say on the credit card
congratulations thing. It says that I owe them a first.

Speaker 13 (29:31):
Payment of mark.

Speaker 2 (29:34):
Did you see a picture of this card? Yeah, I'm
telling you the card looks if it's not a legit card, man,
I mean someone is going have you tried over have
you tried.

Speaker 11 (29:42):
Using it like on Amazon or something. No, I'm just curious.
I'm curious if it would go through.

Speaker 2 (29:50):
See this says, this says you're only two steps away
from using your credit card.

Speaker 19 (29:56):
I think it's a solicitor.

Speaker 2 (29:58):
I think it's a solicitation. And that credit card they
send just to really goose you, and then you end
up paying their thirty dollars fee filling out the credit.
Then you get the card and it says if you
pay your initial program fee by check, we will hold
the check for up to six days. This means your

(30:19):
credit account won't be open for ten days. I mean,
I didn't even know they were allowed to do stuff
like this. I'll send you what. I'll send you the
picture of this thing, Tom. But it looks legit. But
we're going to hear back from doc and see if
the phone number is right, that she actually have one.
Was it a solicitation? Just hold on, We're going to

(30:39):
find out for you, Mary, but don't do anything with
it now. Jessica, what is going on with you?

Speaker 7 (30:47):
Yeah?

Speaker 20 (30:47):
So my question, thank you for picking my car. My
question is I have Progressive, and back in December, I
got in a car accident. Somebody rearended, okay, and then
fast walk forward.

Speaker 21 (31:04):
My car was just.

Speaker 10 (31:05):
Repaired, and they're arguing that there isn't such a thing
as disminished value.

Speaker 2 (31:12):
So they hit you. You're dealing, Jessica, you're dealing with
the other companies insurance or I'm sorry, the other driver's insurance.

Speaker 9 (31:21):
Correct.

Speaker 2 (31:21):
Well, there's definitely such thing as diminish value. But who
is it? Who is it?

Speaker 10 (31:27):
Mine is also progressed.

Speaker 2 (31:29):
I don't care about yours. A hold on, Jessica. I
want to make I want to make it was the
other driver's fault. I want to make something clear. Though
you did not go through your insurance. Correct?

Speaker 10 (31:39):
No, I did not, okay?

Speaker 2 (31:42):
And who was the other company? What insurance company?

Speaker 7 (31:45):
Progressive?

Speaker 9 (31:47):
Oh?

Speaker 2 (31:47):
So you have Progressive and they have Progressive or no?

Speaker 7 (31:51):
Correct, Yes, we both have.

Speaker 2 (31:53):
There is definitely diminish value if the other party was paying,
and honestly, I've never heard of Progressive not paying for it.
What kind of vehicle was it?

Speaker 10 (32:05):
So in December I bought a twenty nineteen Honda.

Speaker 2 (32:11):
Pilot torn that should be fifteen percent easily on diminished value.
That's crazy. Should we get you want to get petty details.

Speaker 10 (32:19):
On back and forth? Since that?

Speaker 11 (32:22):
Well, hold on, how much did they offer? Did they
offer any of it? They fixed the entire car, I know,
but did they offer anything?

Speaker 10 (32:29):
Did not want to offer it as much as the
car rental?

Speaker 15 (32:33):
It was a fight back and forth.

Speaker 11 (32:36):
But no, they don't want to give you any diminished
value at all. You're saying none, No, not at all.

Speaker 8 (32:42):
No.

Speaker 2 (32:43):
Well, if they're really holding that tight, you got to
enter what's called well, actually you don't even have an appraisal. No,
she doesn't have a contract. But see that's where she
can sue that other person. Well, she can definitely do that.
All right, hold tight, let's get you back on.

Speaker 19 (32:56):
We'll get some opinions.

Speaker 2 (32:57):
Hold on, yeah, hold on three oh three seven on
three A two five five. We've got a ton going on.
We got some open lines. Now's the time to call
three zero three Martino help at trevilshooter dot com. We'll
be back after this.

Speaker 11 (33:20):
Go with a sure thing Denver's best roofer Excel roofing
dot com.

Speaker 12 (33:24):
You don't pay a cent until you're contenth.

Speaker 11 (33:30):
Time for an insurance check up free No obligation. In comparison,
call Compass insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 16 (33:57):
News.

Speaker 1 (34:00):
So you don't have run just as fast as we can.
Shooter's gonna help.

Speaker 15 (34:08):
Come man, this is.

Speaker 2 (34:11):
The Troubleshooter Show. No Tom Martinez, Welcome, Welcome to the
only show of its kind. We're here to solve problems,
answer questions, take complaints. Our golden life is to make
your life just a little bit better. In fact, to
the tune of what would you say, Tom, three hundred million,
Oh oh freaking easy, I.

Speaker 11 (34:29):
Was putting a pen to it. I mean it was
like it's like a half a billion dollars. I mean
over the full full scope of the show. And by
the way, uh, this are brought to you by uh
Excel roofing. Look at that you see that a's a
solar fan I just had put up. I'm putting off.

Speaker 2 (34:45):
Over the weekends. No he's doing them right now. I
didn't realize the panel was sitting on the fan itself. Yeah,
but it's all self contained. Henry sent that over to me.

Speaker 19 (34:53):
Bretz.

Speaker 11 (34:54):
You know, Excel does these this this addic ventilation. Okay,
I thought I was all sad, and I had them
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said about eighty five percent of all addicts and roofs
are probably below code when it comes to venting and
it overheats you, your roof, your your attic, even though

(35:16):
I have the whole house fan saved my ass, but
even the whole house fan was being choked down because
I didn't have enough. It couldn't put out enough air.
And they're they're correcting that, by the way.

Speaker 2 (35:26):
And they sell those pretty cheap, even if you're not
getting a roof for.

Speaker 11 (35:29):
Us, right, they'll drop those in. I forget what they were,
but they're not more. They're not much more than a
thousand bucks. And that's fully installed and it's self contained.
You never have to touch it anyway. That's that's Excel
roofing dot com. We love these guys. As far as
credit cards, I also looked up some stuff people actually

(35:50):
apply for a credit card, mark and get online access,
and that's how they use it. They do use a
virtual card sometimes, so yeah, before it comes no no
all the time. In other words, that woman got this card.
Now I'm not saying that happened in her case, but
it could be she got this card and this card

(36:11):
is now online as well. With a virtual card. You
can do that with your capital worm, right, can't you
create virtual card?

Speaker 2 (36:17):
Yeah? But Mary received a hard credit card and it
was just listening.

Speaker 19 (36:22):
That's right up.

Speaker 2 (36:22):
Yeah, And it came with a welcome letter. And what
the welcome letter said is there's a couple more steps
you got to take in order to use this card.
One of them was like a thirty dollars fee. So
I think it actually did come to the bank. It
wasn't a credit card ready to go. But if she
paid the thirty bucks and filled out the credit app
and signed online, then she'd get up a deputy doc.

(36:44):
You called over the break, I've called Premier, you.

Speaker 19 (36:48):
Called the credit card company.

Speaker 16 (36:49):
I called the two numbers we had and they're both
phone trees and there's no way you can get to
talk to an individual unless you entered the last four
digital no I don't know if this will work, but
I tried every option on the phone tree, and the
only one that sounded plausible was if I entered Mary's
less four digits of a social which I'm not gonna do,

(37:12):
and I don't think Mary should do either.

Speaker 19 (37:14):
I think it's so petty on by the way, Yeah,
we'll go.

Speaker 2 (37:17):
To petty details for Jessica. But so there's no way
to get to a real person. Yeah, Mary, Mary, here's
the deal. Just uh, don't call them. It's a solicitation.
In my opinion one percent. They want you to pay
the thirty bucks. They want you to finish the credit app.
If you will, then you will have a credit card.
If you don't want that credit card, and I highly
suggest you don't use that particular one. I would throw

(37:40):
it away, ShredIt and make sure your credit's locked for sure.
You got it? Maryh Mary?

Speaker 15 (37:49):
Okay on here, lock down.

Speaker 2 (37:51):
Your credit, throw away that card and lock down your credit.

Speaker 12 (37:54):
Yeah.

Speaker 2 (37:55):
Now, make sure you cut it up, Mary, all right,
you got it? What you cut it up? Yeah? Just yeah,
get the entire card go, you know, unaltered. Yeah.

Speaker 11 (38:07):
Hey, Justin is an expert at diminished value and this
has been a topic now, this is a regular topic
where people get their cars destroyed in an accident or
hurt or even you know, not not I mean damage
and they're not totaled, but they still lose value even
after being fixed. And you know where it started the

(38:29):
birth of carfacts if you think about it, there was
not There might have been diminished value, but no one
knew about it prior to services like carfact.

Speaker 19 (38:38):
Might be it, that might be it.

Speaker 11 (38:39):
And sometimes by the way, justin, have you ever seen
where Carfax makes a mistake like Mark had a minor
accident and they called it major.

Speaker 2 (38:48):
I got no, No, Mine was worse than that. I'll
say that in a second. But but justin, does that
happen where it's all messed up on Carfax?

Speaker 21 (38:56):
Oh yeah, I've got multiple cases where they're just completely wrong.
Say there's an accident when there wasn't.

Speaker 2 (39:03):
Or how are you able to get that fixed? I
tried to write through Carfax.

Speaker 19 (39:07):
Did you get it done?

Speaker 2 (39:09):
Well? Okay, justin real quick, let me say this so
other people out there don't make the mistake. I pulled
the Carfax on one of my cars that was in
an accident. I was trying to sell it and I
was like, oh my goodness, they have it listed as
a severe accident. So I sent them over. They requested
all the information from the body shop, like the invoice,
so I sent them everything they requested in order to

(39:31):
look at it. Tom, I screwed myself. I didn't realize
there was a little bit of frame damage as well,
which wasn't listed on the carfax until I sent them
the damn information, and then so I made it worse.

Speaker 11 (39:44):
Oh no, So justin, diminished value is probably keeps you
more busy than anything, doesn't it.

Speaker 21 (39:53):
Yeah, I mean it's about half of what we do here.

Speaker 9 (39:56):
Yeah.

Speaker 2 (39:56):
So when you're fighting with an insurance company and it's
not your of course, because we're talking diminish value, and
they refuse to put you through to the diminished value
department or just don't let you move forward, what do
you do.

Speaker 19 (40:11):
Jessica's being stonewalled.

Speaker 11 (40:13):
She just had a car hurt in an accident and
she can't get any information.

Speaker 2 (40:19):
Jessica, what do they say when you actually ask about
diminish value? Tell justin.

Speaker 10 (40:24):
So then when I asked for it, they said if
the car was and I quote properly repaired, there shouldn't
be a need for such a thing when I escalated,
since then they transferred me to another agent. The other
agent stated, they demand proper documentation that proves that the

(40:50):
car has diminish value, otherwise cannot move forward.

Speaker 2 (40:55):
Justin and that's progressive by the way.

Speaker 21 (41:00):
Yeah, almost every insurance company attempts to pretend like there's
no way of calculating it. But it's just an appraisal.
It's anytime you prove value of property, you get an appraisal.
That's what you would use if you go to court
to prove the amount of damages or what the value
of the car is. And a diminished value appraisal is

(41:22):
just an appraisal that's done at two different points in
time prior to having an accident history and then host repair.

Speaker 2 (41:30):
So what does she do at this point? I mean,
it's there's definitely diminished value. If I went and bought
a twenty nineteen whatever she has and it's accident free
with the same mileage as a twenty nineteen, same car,
same mileage that wasn't an accident, there's no doubt I'd
rather have the non accident car, sure.

Speaker 21 (41:51):
I mean, one of the sources that's easy to use
is Kelly Bluebook. They have conditioned assessments that allow you
to put in accident history and severity, and so that's
one of the sources that I look at. I don't
use it exclusively, but you know, yeah, it's gonna lose value.
It's got it's less desirable, it's got a higher risk

(42:13):
of future problems, and that reflects in the market.

Speaker 11 (42:16):
Do cars ever get old enough where there's not much
diminished value? Like what if it was a you know,
really surely, if somebody calls you with twenty ten, what
would you tell them?

Speaker 21 (42:28):
I mean, it would have to be a specialty vehicle.
You know, once they get to a certain age, they're
gonna have an accident history. Anyway, most most vehicles that
are over ten years old have had a you know,
bender bender, and that's gonna kill the odd How about.

Speaker 2 (42:44):
If Jessica's car Justin had been in a prior accident.
Does that make the diminished value claim less or gone?

Speaker 21 (42:54):
Well, that's a good question. It doesn't eliminate it, but
it keeps you from being able to get one settled
without a lawsuit. I've had many of those. It doesn't
eliminate it, but it does create a problem. In the
mind of the insurance carrier. They don't believe you can
have it.

Speaker 2 (43:10):
Twice, Jessica, did you have what did do you know
if that car was in an accident before?

Speaker 10 (43:17):
So I bought it cash as pree owned from the
dealer in December twentieth and the car accident suffered the
accident prior to me even getting the title in February
of this year. And then they've been dragging it out
ever since.

Speaker 11 (43:35):
And I even you know, you might yeh, Brazel, you
might just want you got to figure out how much
it'll be.

Speaker 19 (43:42):
How do you figure out diminished value?

Speaker 2 (43:44):
Yeah, she's justin she's got a twenty nineteen what was it?
A Honda minivan? What is it?

Speaker 10 (43:50):
Yes, it's a Honda Pilot Touring or the limited version,
And at the time of the accident was under a
fifty thousand minds. I also did complete the abrasial man.

Speaker 2 (44:04):
How much did they pay out though for the repairs?

Speaker 7 (44:07):
By the way, Jessica, that was not chaired with me.

Speaker 2 (44:12):
Well, you must have an idea. Was it like ten
thousand something?

Speaker 10 (44:19):
Yeah, the insurance came, I want to say, thirty seven
hundred when I took it to the shop. They said, no,
that's not that's not possible. And when they, I guess,
did their own quote.

Speaker 2 (44:33):
All right, justin what do you think as far as value?
Just from what you've heard.

Speaker 21 (44:38):
So that's probably a twenty five thousand dollars retail vehicle,
somewhere in that range, depending on how many miles it's
got on it, and if it's got medium damage, which
is what it sounds like, it's probably around thirteen to
fifteen percent of the pre accident.

Speaker 2 (44:57):
That's three grandy, that's three four grand.

Speaker 19 (45:00):
Do you sue this woman in small claims court directly?

Speaker 3 (45:03):
Yeah?

Speaker 2 (45:03):
What else would she do at this point? If Progressive
is just simply saying we're not going to do anything.
She has no contract with Progressive. I mean, what what
does a person do besides sue them.

Speaker 11 (45:13):
She's not going to sue the insurance company. She would
sue the other party who did the damage to you.
That's what I would do.

Speaker 21 (45:20):
That's right, That's that's you have to be a credible
threat if they're just being unreasonable, and you know, litigation
is really the only thing you can do. You can't
sue the insurance company. They didn't rick into you. You
have to sue the individual, and then the insurance company
will defend them in most cases so long as they
know the suits.

Speaker 2 (45:38):
You know, all right, listen, we got to take this
break hold on both you justin. I got one more
question then, you know what I was thinking, Tom, Do
you think Compass they sell progressive? Do you think Brian
could call over there and just actually get Compass to
stand up and at least offer her something?

Speaker 11 (45:56):
You know, I don't know a progressive even. Let's let
let's find out if a Compass can call them. Let's
ask Brian what he has done in the past or
now by the way, it's true, well, we'll ask Compass
insurance this rather than justin. I think most insurance policies
disclaim it like if it was.

Speaker 19 (46:13):
Her own insurance.

Speaker 11 (46:15):
And this is what I'm thinking, because they both had
progressive in this case, I wonder if her policy now
because it Yeah, I don't think there are disclaimers in
a lot of policies that say you're not going to
come after us for diminished value.

Speaker 2 (46:30):
By the way you're saying, that would carry even over
to I don't know.

Speaker 11 (46:34):
That's a good question I want to ask. First of all,
I want to ask Brian. If insurance companies are still
by contract excluding diminished value on their own collision coverage,
that would be a good question, Paul, the waterman, I
want to ask about.

Speaker 19 (46:50):
I was reading some articles ten things to do.

Speaker 11 (46:53):
Away with poufas, PUFA or forever chemicals, PIFAs, whatever people
call them. There's way more, by the way, Paul, than
in the water system, way more.

Speaker 2 (47:05):
I didn't realize you get them from clothing.

Speaker 11 (47:08):
You can get it from from upholstery, your house, carpeting, food,
dental flaws exactly.

Speaker 4 (47:17):
PFAZ is a global contaminant. It's in everything we have,
from water to food.

Speaker 11 (47:23):
But that's the problem because they go to the landfills
and then that goes to the water supply.

Speaker 19 (47:28):
That's why it's showing up in the water.

Speaker 4 (47:30):
Absolutely, the ocean's habit, the Great Lakes habit, I mean
PIFAs and what I was mentioning earlier, they started with
only four known chemicals. It's up to fifteen thousand downs.

Speaker 2 (47:42):
I hear we got to take a break.

Speaker 11 (47:44):
But I heard that the government is cracking down a
local water system.

Speaker 19 (47:50):
Here's the problem.

Speaker 11 (47:51):
One expert says, it doesn't matter how much you crack
down the standards are impossible to attain with today's technology
because you're too small, all right, talk about that coming back,
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 2 (48:09):
You don't pay a.

Speaker 12 (48:10):
Cent until you're contenth.

Speaker 11 (48:15):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 2 (48:37):
Hey eight eight eight.

Speaker 11 (48:38):
Heating dot com by the way for checking out your
ac or your furnace, especially coming in fall here. They're good,
honest people you can trust. We know Garrett and the team.
You will love them. They also do plumbing and electrical
three o three seven seven zero two seven seven six
eight eight eight Heating dot Com. So Jeremy's on from Compass.
Hey Jeremy, diminished value man. We talk about it all

(49:03):
the time, and sure I want to know something if
it's my policy and somebody hits me, they don't have insurance,
or they take off, or I use my own collision
for any reason. Does my policy allow me to collect
on most policies, does it allow me to collect diminish
value from my own insurance?

Speaker 9 (49:24):
No, typically it does not.

Speaker 11 (49:26):
So typically when you buy insurance for yourself, you disclaim
diminished value.

Speaker 6 (49:34):
Yeah, the policy is going to get correct. Short answer, correct?

Speaker 2 (49:40):
Okay. Out of curiosity, Jeremy, is that a statute by
state or is that pretty much some states I thought
outlawed it, Jeremy, I was told.

Speaker 6 (49:51):
I'm not sure if it's by state or not. Okay, Yeah,
I would expect if there is anything where there'd be
a you can buy to take care of that. But
on your own policy, you're typically not going to see that.

Speaker 2 (50:06):
Well, well, Jessica got hit by somebody else. They paid
for the damage of the vehicle, got it fixed to
the tune of around thirty five hundred, maybe a little more.
The other person had progressive Jessica has progressive as well.
When she went to the insurance company, which happens to
be your own as well, they said, we are not

(50:27):
going to give you any kind of diminished value. Now,
I just want to clarify that she did not turn
it in to her own insurance. But both parties do
have Progressive. What would you do in a case like that?
They're just flat out saying we're not giving you anything, right.

Speaker 6 (50:43):
So it's very different with if the other parties at
fault and you're using the other parties insurance. She absolutely
can try and negotiate that.

Speaker 19 (50:52):
Of course you can't.

Speaker 2 (50:53):
And why did they ignore you? Though she's saying she is,
how many times have you tried to get even a
dollar for diminished value, Jessica.

Speaker 10 (51:02):
In February that it happened and I even submitted the
abrasial and they ignore me. I have to escalate it
a lot of the times.

Speaker 2 (51:12):
Well they're not going to be So what does she do, Jeremy, Besides,
like Tom said, suing the other party? I mean, I
thought Progressive was a decent company.

Speaker 6 (51:23):
Well the problem is, yeah, you'd have to sue them
and establish that diminished value.

Speaker 2 (51:30):
Here's what I want to ask you, though, Jeremy.

Speaker 11 (51:32):
If if she has Progressive and the other party has Progressive,
she has agreed on her policy not to go after
diminished value. I have a strange feeling that might cover
this situation where she can't go after progressive for diminished value,
even though it's progressive from the other from the other party.

Speaker 2 (51:53):
I don't think so.

Speaker 6 (51:54):
I don't think so. Yeah, I don't think it matters
that they're both No other party obligated to pay diminished value.

Speaker 2 (52:02):
They very well might, but it's not.

Speaker 6 (52:05):
It's not standard or not.

Speaker 11 (52:07):
By the way, Michigan does not outlaws a diminished value,
so a policy has to have happened. No, No, you
can't in Michigan.

Speaker 2 (52:15):
That's what I mean. You can't enforce diminish value in Michigan.
Oh wow, right, so she if she lived in Michigan,
forget about it. It doesn't allow compensation for diminished value.
That's crazy.

Speaker 11 (52:28):
Other states may have joined, but right now Michigan is
one of them for sure. I think that's because it's
maybe a strong insurance lobby or something.

Speaker 2 (52:36):
Sad time.

Speaker 11 (52:37):
Anyway, thank you, Jeremy said Jessica. If I were you,
I would take your Appraisaly'll show the loss and sue
the other party. Now she's going to scream, say, wait
a minute, my insurance page here. You're going to say, no,
they didn't and unless you sign something saying this was
full and final settlement. I would go after the other
party in small claims court your diminished value, just suit

(52:58):
for it, and then that'll force Progressive to talk to you,
because she's gonna call Progressive and say you better take
care of this.

Speaker 2 (53:07):
Seriously. What's going on, Edward? Yes, sir, what's happening?

Speaker 9 (53:17):
Okay? I you know, I had some hail damage on
my truck and I live in Thornton and a guy
was walking down the street and you know, an insurance guy,
and he, you know, says we can do all this repair.

Speaker 19 (53:35):
An insurance guy. You mean a body guy.

Speaker 9 (53:38):
Yeah, body guy.

Speaker 2 (53:39):
He happened to be walking down the street.

Speaker 9 (53:42):
Well you know how they try to knock on everybody's.

Speaker 2 (53:47):
Door and yeah for your roof, but this was for
your car or your roof.

Speaker 9 (53:51):
Yeah, he noticed hail damage on my on my truck.

Speaker 19 (53:54):
Okay.

Speaker 9 (53:57):
So I talked to him, and you know, he said
it would be about a week.

Speaker 2 (54:02):
And a half.

Speaker 19 (54:03):
So wait, did you pay him anything?

Speaker 9 (54:06):
Didn't pay him anything?

Speaker 2 (54:07):
Good?

Speaker 9 (54:08):
Okay, So I take it to the shop and I
go out of town for a week and I come back.

Speaker 2 (54:17):
Well I wait, wait, you take it to this guy's shop.

Speaker 11 (54:21):
Yeah, Okay, so this guy was walking around but he
wasn't but he actually had a real shop.

Speaker 2 (54:28):
Yeah, okay.

Speaker 9 (54:30):
So then I take it to the shop and you know,
they tell me a week and a half. So I
actually go out of town for a week and I
come back. I take it in on the seventh and
on the thirteenth I called him, you know, what's going
on with my truck? It's you know, almost been a week.
And it's been a week and they tell me that,

(54:54):
you know, they haven't started it yet or something like that.

Speaker 2 (54:57):
Where does it sit right now?

Speaker 9 (55:00):
Had Elite body shop, Elite Tails?

Speaker 11 (55:02):
Why didn't you cancel when you got back and they
hadn't started?

Speaker 19 (55:05):
Why didn't you cancel?

Speaker 9 (55:08):
Well, I'm trying to cancel.

Speaker 19 (55:10):
How long has it been there since?

Speaker 9 (55:12):
When the seventh?

Speaker 19 (55:16):
Well that's not that long, No, it isn't.

Speaker 2 (55:18):
The seventh of August?

Speaker 9 (55:21):
Yeah.

Speaker 2 (55:22):
Well have they.

Speaker 11 (55:22):
Still not started or have they? Have they gotten parts?
Like normally? And I just want to tell people, if
you can drive your car, never drop your part. Never
drop it off for repairs until the parts are ordered
an end.

Speaker 2 (55:35):
Right now, did they take your car apart?

Speaker 9 (55:39):
No, they haven't done anything to it.

Speaker 19 (55:41):
Well, then why don't you just cancel?

Speaker 2 (55:43):
But it's all PDR, right, I mean there is no parts?
Is that correct?

Speaker 19 (55:47):
I don't know. Is it paintless dent repair or what
is it?

Speaker 2 (55:51):
I believe so like, do you know is it?

Speaker 19 (55:54):
Is it a PDR shop?

Speaker 2 (55:58):
What's the name of the shop, Elite, Elite, Elite, what
Elite autobody? Elite hail systems, Elite hail systems. All right,
hold on, we got to take a break. Let me
dig into this hold type.

Speaker 19 (56:11):
Yeah, well we'll come back.

Speaker 2 (56:13):
Three oh three seven one three talk seven one three
eight two five.

Speaker 11 (56:16):
Five Go with a sure thing Denver's best roofer Excel
Roofing dot com.

Speaker 12 (56:21):
You don't pay a cent until you're content.

Speaker 11 (56:27):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hi Tom

(56:51):
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Speaker 2 (57:16):
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dot com.

Speaker 19 (57:29):
So we're making a call.

Speaker 11 (57:31):
On that paintless dent repair and do you think Mark
there would be what what do you think? Do you
think there'd be diminished value? I'm just curious. I know
you're not going to collect on it, but on PDR. Yeah,
what do you I think anything turned into your insurance
you're going to have a diminished value because it'll show
up on Carfax.

Speaker 2 (57:51):
Yeah. So absolutely, can.

Speaker 11 (57:52):
You ask them not to report to carfak There's no
law that says they have to now, of course not.

Speaker 2 (57:57):
It's usually not the autobody shop reporting, though, who is
it the insurance company? Are you sure? Positive? Are you sure?
Auto body? Autoboty companies don't want to They don't want
to report it. They don't know, but they get paid
by the insurance company who reports it. Absolutely sure, you'd
be if you were an autobody shop. Why would you

(58:17):
it wouldn't. I don't know.

Speaker 11 (58:18):
Actually I never thought of where they get their info.
But you're saying, why does insurance care?

Speaker 2 (58:24):
Well, I don't know. I'm just curious.

Speaker 11 (58:26):
Why do so many people cooperate with Carfax?

Speaker 2 (58:30):
Well, the insurance companies do, for sure, and I think
they're all in cahout so they know the claims. I mean,
they report the claims. It doesn't matter. A clue report
is going to show anything you've done on your house,
doesn't matter what insurance company.

Speaker 11 (58:43):
Okay, So Paul the waterman has a special thirty one
hundred bucks thirty one ninety five or something. Now this
is incredible. Oh, Mark might be pis because he just
got his I want to refund though, No, No, so
Mark's got that softening system. I have your drink reverse
osmosis to leave has the matrix?

Speaker 2 (59:00):
Now is the matrix the full Monty? It's the full Monty.
It's a big daddy. What to do.

Speaker 4 (59:06):
So it's a multimedia system that has activated carbon and
chamber one drinking water.

Speaker 2 (59:12):
Yes, right, that attacks the PIFAs.

Speaker 11 (59:14):
You get rid all those you get rid of all
those chemicals, right, and then it also softens the water.

Speaker 2 (59:20):
Okay, so you have everything right.

Speaker 4 (59:23):
So what we're doing is that for thirty one ninety
five you get our base water softener, which is three
quarters of a cubic foot, and then we also do
a reverse osmosis for how much thirty one ninety five?

Speaker 2 (59:36):
Wait a minute, that's drinking water and softening. Yeah, it's
a sale going on right now. Holy crap, Wait a minute.
The other one's fourteen hundred on its own, correct, So
I thought that was just a softening.

Speaker 19 (59:48):
You're you're getting both.

Speaker 2 (59:49):
For thirty one ninety five.

Speaker 19 (59:51):
Holy crap. That's no seriously that happen.

Speaker 4 (59:54):
What our competition is doing right now, especially the guys
that less than as wonderful.

Speaker 2 (59:59):
How do you even know? This might sound silly, but
how do you even know if you need a softener?

Speaker 4 (01:00:04):
We do the hardness tests, if you've got the calcium
build up on your faucets and fixture, just.

Speaker 2 (01:00:08):
Said everybody, Paul, honest to guy. Do you ever go
out somewhere and say you already have soft water?

Speaker 9 (01:00:14):
Yeah?

Speaker 4 (01:00:14):
There are parts of Colorado there are naturally soft water.

Speaker 11 (01:00:17):
Absolutely, Yeah, there are places. There are places you won't
even advertise.

Speaker 4 (01:00:21):
Yeah, Louisville is naturally soft water, you know. Now, there's
folks down in the springs believe it or not that
I have naturally soft water, but they have another problems
called silica, and that that basically requires a separate unit.
But silica acts like hard water, and it's kind of silly.
You could have You could have naturally soft water, but
you have heart. It looks like hardwater build up in silica. No, no,

(01:00:41):
Mark doesn't just doesn't know this yet.

Speaker 11 (01:00:43):
But with his system, and I'm serious, you can you
can take You can.

Speaker 2 (01:00:50):
Take clothes almost without detergent. I swear to God.

Speaker 11 (01:00:54):
Mark as an experiment, you ought to try it without
not that detergent?

Speaker 19 (01:00:59):
Is that expensive?

Speaker 2 (01:01:00):
Mark, do me a favorite super glue your fingers? Yeah?
I know, we did it. Yeah, okay, the glass of
your waters, all the.

Speaker 11 (01:01:08):
Super gloes immediately, like fift ten seconds at two super glue.

Speaker 2 (01:01:12):
It's okay. I don't know if I like that because
you're telling me it's not water can melt super it's.

Speaker 11 (01:01:20):
Not because we're doing it chemically, not not corrosively empty water.

Speaker 4 (01:01:26):
Yes, it is aggressive. Your body loves aggressive water because
that's what your stomach asses.

Speaker 11 (01:01:30):
The mark when it's it's the molecules, there's nothing in them.
It absorbs everything, it washes away everything. It's I'm telling you, like,
do you remember years ago they were somebody had.

Speaker 19 (01:01:41):
This laundry ball.

Speaker 2 (01:01:42):
They were Yeah, it was a scam. They were marketing.
It was a multi level marketing thing.

Speaker 19 (01:01:47):
Right, the laundry ball.

Speaker 11 (01:01:49):
Yeah, wash your clothes without soap and water. Yeah, well yeah,
if you have anything at all you can put in
the wash to agitate it. I was thinking in a
tennis ball, but that's probably not heavy enough. I don't
know something that wouldn't deteriorate in the wash that you
could put in with your clothes.

Speaker 2 (01:02:07):
Mark.

Speaker 11 (01:02:07):
I'll bet you that if you did it as an
experiment with your soft water, soft water cleans so well,
that you would not need detergent in your Now, I'm
not saying detergent does more than just clean. So I'm
not saying you shouldn't use detergent ever, because it deodorizes
a bit and does things like that, and and so
does soft water to an extent.

Speaker 2 (01:02:29):
But like zero.

Speaker 11 (01:02:29):
Res h when they do carpets, they're using essentially your water.

Speaker 2 (01:02:34):
That's what they call the empowered water.

Speaker 11 (01:02:35):
Yeah, or but but they they they they do a
little more with the alkaline alkaline base or something or
alkaline's I guess.

Speaker 4 (01:02:46):
It's it's our water is acidic water, which they call
it energized water. And what it does is that it
dissolves stains.

Speaker 2 (01:02:54):
Man. It it's incredible. We're going to stay on time.
Hold on everybody. Yeah, we had a lot of cook
and three oh three seven, one, three, eight, two five
five we got some lines open. You've been ripped off,
taken advantage of. You just want to report some scumbag.
That's what we're here for. Three oh three Martino, Go

(01:03:15):
with a sure thing Denver's Best roofer Excel roofing dot com.

Speaker 11 (01:03:19):
You don't pay a cent until you're content. Time for
an insurance check up free, no obligation. In comparison, call
compass insurance paying too much your coverage at dozens of
insurance companies. Find out now three oh three seven seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate man dot com

(01:03:39):
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two.

Speaker 2 (01:03:49):
All right, three oh three seven one three A two
five five. Look, we've got a few lines open. You've
been ripped off, taken advantage of honest to goodness. We
want to help to the tune of over rendred million
dollars cash merchandise exchanges. And Ben has a problem. Now, Ben,
I have never heard of this time. Have you ever
heard of one switch? Rent a card?

Speaker 19 (01:04:10):
Why is it called one switch?

Speaker 2 (01:04:12):
That seems like an odde? They called one switch?

Speaker 19 (01:04:16):
Do you know?

Speaker 2 (01:04:17):
I mean, that's why it's a weird name. I just
never heard of it. Where'd you rent the car? And
what's going on? So?

Speaker 22 (01:04:25):
I rented it in Miami, Florida. I went through Priceline.
I rented in June, second, returned it on June Sava
and then on July twenty six, I noticed five hundred
dollars came out of.

Speaker 3 (01:04:38):
My credit card.

Speaker 2 (01:04:40):
So I called him and a man.

Speaker 11 (01:04:42):
This is happening all over. Did they say it was
due to damage?

Speaker 2 (01:04:46):
Its due to damage, Mark, This is happening all over.

Speaker 11 (01:04:49):
This is not new now, remember we heard about it
with sixth Is that the name of that company it was.
It's happening all over, don't It's like a new trend.

Speaker 2 (01:05:00):
It always seems like it sees off brands we've never
heard of.

Speaker 11 (01:05:03):
Yeah, but but I can't believe how many complaints I've
heard or I've had on the show.

Speaker 2 (01:05:08):
Did they send me a.

Speaker 22 (01:05:09):
Picture, Ben, Yeah, they did send me a picture, but
they didn't send it with the time time hard gate
stamp on their phone or.

Speaker 11 (01:05:18):
You know now now when they showed you a picture, though,
is it really really really minor like little road flex?

Speaker 22 (01:05:26):
Yes, right at the bottom of a minivan, right at
the like.

Speaker 19 (01:05:30):
Like in other words, what would be normal road rash?

Speaker 2 (01:05:33):
Almost. Yeah, that's just like the other one, just like it,
just like it.

Speaker 11 (01:05:38):
You they but did you walk around this before you
rented it?

Speaker 22 (01:05:43):
I walked around it before I rented it, and we
walked around it when we returned it. But you know,
no customer service would come out and verify.

Speaker 2 (01:05:53):
They just throwing crap at the walls. I would stick.

Speaker 11 (01:05:55):
I just want to tell you that the way to
get around it, there is way to get around Well,
they already dinged his credit card.

Speaker 2 (01:06:02):
I mean he can fight that.

Speaker 19 (01:06:04):
Well, there's a way to get around it. With Capital one.

Speaker 11 (01:06:07):
Of you use a virtual credit card, you can turn
it off. It's a day after your return the car.

Speaker 2 (01:06:13):
If you use the Capitol one smart card, date cover it?

Speaker 19 (01:06:17):
Yes, So what about your credit card? Did will they
cover it?

Speaker 22 (01:06:21):
I used well, I used Discover? Uh so I did
do a dispute. The dispute went on for a little while,
and I guess with the picture that they sent my
credity ben.

Speaker 2 (01:06:34):
Ben hold on. Let me put you on hold. Do
me a favor, send us over that picture and hang on.
Three oh three seven one three eight two five five.
We got two hours to go. You've been ripped off.
Taking advantage of call now three oh three.

Speaker 11 (01:06:48):
Go with a sure thing Denver's best roofer Excel roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call compass insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
seven to one help. You'll think you're his only customer

(01:07:10):
when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two.

Speaker 22 (01:07:23):
Ripped of.

Speaker 1 (01:07:25):
News, need advice? Who you don't have? Come run inxious
stas as we can. Shooter's gonna help.

Speaker 2 (01:07:36):
Come man, this is the Troubleshooter Show. Now Tom Martinez, Hey.

Speaker 19 (01:07:43):
What's happening? Tom Martine?

Speaker 11 (01:07:45):
Your three oh three seven one three talk seven one
three eight two five five. We also have Major Mark
Major with us. We have Dragging at the controls Kachina
Glory taking your calls, Deputy dot Deputy Boer.

Speaker 2 (01:07:57):
We're loaded for bear.

Speaker 11 (01:07:59):
This hour brought to you by one Clear Choice Garage Doors.
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(01:08:20):
to seven service.

Speaker 19 (01:08:20):
Believe it or not.

Speaker 11 (01:08:21):
If you have an emergency of any kind of can't
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get robbed one clear Choice stores dot com all of
their prices on the website.

Speaker 19 (01:08:30):
Now, let's talk Mark. Who are we going to right now?

Speaker 2 (01:08:33):
Oh, let's suh up with this poor car guy. He
rents a car from Switch rent a car And just
like the other calls we've had, did you look at it? Well,
I didn't look at the picture yet. I haven't received
it yet. Hopefully we get in a second. But the
bottom line is this, he drops the car off, everything's
good and then what was it? Ben? How much longer?
And you got hit with a five hundred dollars bill? Yeah?

Speaker 22 (01:08:57):
Like a month and a half later. Twenty six is
when they took it out. We turned the car on
June's savn.

Speaker 2 (01:09:03):
When's the last time you rented a car?

Speaker 19 (01:09:06):
I don't remember.

Speaker 2 (01:09:07):
Well, I ran them all the time, and I'll tell
you they do not look at them anymore. When you
drop them back up off the airport, you pull up,
you leave. I mean, who's this saying? No?

Speaker 19 (01:09:18):
No, You're right, they don't. They don't.

Speaker 11 (01:09:20):
They look at the odometer and the gas gage. Sometimes
here's the other thing I experimented. One time we went
to Miami, man, just like you did. We went to
Miami and we did nothing but butt lift.

Speaker 2 (01:09:33):
Yeah.

Speaker 11 (01:09:33):
I decided let's try it one time and compared the bills,
and we saved a ton of money doing a lift
and not doing rental.

Speaker 2 (01:09:42):
We do that in a lot of places like Las Vegas.
I'll never rent a car. But if we're going somewhere
like New Orleans and we're gonna be going, there's the
damage on the carst oh, let me see it. In fact,
we'll put this up on our hold on.

Speaker 19 (01:09:54):
Where is the damn picture?

Speaker 3 (01:09:55):
Though?

Speaker 13 (01:09:55):
Oh?

Speaker 2 (01:09:56):
There it is.

Speaker 19 (01:09:56):
Wait, where's the picture?

Speaker 2 (01:09:58):
The video? The video? It's a video so they sent
you a video? Yeah, yeah, I'm looking at a video here?
And which car would yours be? Like?

Speaker 19 (01:10:07):
What where is it?

Speaker 2 (01:10:08):
The white one?

Speaker 3 (01:10:10):
Yeah, it's a white.

Speaker 2 (01:10:11):
I see it. It pulls up in the very But
they actually show us the damage.

Speaker 19 (01:10:15):
This is crazy.

Speaker 2 (01:10:17):
Well that's just you dropping it off. Yeah, this isn't it.
Where's the damage?

Speaker 9 (01:10:21):
Man?

Speaker 3 (01:10:23):
Yeah? Well they they're saying there's little games on there.

Speaker 11 (01:10:27):
But where I thought when I asked for a picture,
did they send it to you the picture of the damage?

Speaker 22 (01:10:34):
Yeah? Where is it with with a bunch of little
scratches and stuff.

Speaker 11 (01:10:40):
Bro, why did you send us this video just out
of curiosity?

Speaker 9 (01:10:44):
Oh?

Speaker 3 (01:10:45):
I sent you the whole fio.

Speaker 11 (01:10:46):
Oh okay, I'll take it. So anyway, here's the deal man.

Speaker 2 (01:10:51):
Did your would your His credit card won't cover it?
And he said he contested it, and I assume they
reversed it.

Speaker 11 (01:10:58):
What First of all, you got to get a credit
card that covers this stuff. I think that's why they're
doing it, Mark, because a lot of people with credit cards,
the credit cards are just paying that stuff now, and
they make it an amount that doesn't where people don't fight.
You know, you need, you need to fight this though,
I would not, okay if you took it off the
credit card. Unfortunately, they're going to try to rebuild that

(01:11:22):
credit card.

Speaker 2 (01:11:22):
You know that, right? Well, I think he lost it.
I mean I think he lost the battle already. Wait
did they put it back on? Did they put it
back on? Yes?

Speaker 3 (01:11:35):
They did?

Speaker 22 (01:11:37):
Why so when I called my Discover card, they said,
because they sent them that picture?

Speaker 2 (01:11:43):
What picture?

Speaker 9 (01:11:44):
Damn?

Speaker 19 (01:11:45):
Mark, do you have the picture?

Speaker 2 (01:11:46):
I can't find the picture, just the video, like you,
I'm trying to see if they're in Colorado. I'm looking
at locations. They're not in Colorado at all. They were
in Colorado. I'd bring them the small claims and I
think you'd win every single time.

Speaker 19 (01:12:06):
I mean, this is crazy.

Speaker 11 (01:12:08):
What's to prevent these the rental car companies from doing this.

Speaker 2 (01:12:11):
They're just in Florida. It looks like it's happening more so.

Speaker 11 (01:12:16):
You know, when you walk around, they even tell you,
or at least they tell me, Oh, I must have
rented a car recently, Mark, because I remember this very vividly. Okay,
they walk around, say you don't worry about anything smaller
than a dime, you know, little chips.

Speaker 2 (01:12:29):
Like that video. Every car we rent takes maybe one
and a half minutes. And then I'll be honest I
make stuff up as I'm going around. I will honestly
say Suzanne laughs at it, but I'll be like, oh,
and there's a little scratch are and a little ding here,
whether there is or not, because the video shows it.

Speaker 11 (01:12:45):
Because they're not going to complain if you take it
back in better condition.

Speaker 22 (01:12:49):
And you know, guys, I would pay for it if
they would just give me a day and a time
when they snapped that picture, if it was the day
I returned it.

Speaker 3 (01:12:58):
Hey, I'm more than happy to pay for it.

Speaker 2 (01:13:00):
But yeah, but how do you know it wasn't there
to begin with? And or they didn't charge the previous one.

Speaker 22 (01:13:08):
Yeah, or they didn't charge the people that rented it after.

Speaker 2 (01:13:10):
Right or before you. Well, here's what I here, here's
what I got to say about it. Unless you go
to Florida and see them in small Claims court, you're
out five hundred and that's going to cost you more
than that just to fly out there and get a place.
You just lost five hundred bucks. This sucks. In the future,
use the company we've all heard.

Speaker 11 (01:13:28):
Of and use a credit card. That'll help you. Yeah,
if you use why you have discovered?

Speaker 19 (01:13:33):
Dump that damn card?

Speaker 2 (01:13:34):
Yeah, I looked it up. They don't cover anything.

Speaker 11 (01:13:36):
Dump that damn card. Why do you have discovered? No
one has discovered anymore.

Speaker 3 (01:13:42):
I just had it for a lot of years.

Speaker 19 (01:13:45):
I don't know I would apply. Don't get rid of it,
don't cancel it until you get a new one.

Speaker 2 (01:13:49):
Capital One, Spark, AMX, Platinum, AMEX Business. There's a ton
of them.

Speaker 3 (01:13:55):
Okay, yeah, but like.

Speaker 2 (01:13:58):
I like Capital one for business. They they they've got.
You want the Spark card if you rent a lot
of cars. Yeah, they and they don't seem to question it.

Speaker 11 (01:14:09):
I think that's why some of these rental car companies
are doing this.

Speaker 2 (01:14:12):
Mark.

Speaker 11 (01:14:12):
I think it's a scam with credit cards. Now, Man,
It's the funny part is I've never heard of these companies.
So all right, So, Susan ben Ben, I don't know. Man,
if someone calls with that idea, let us know. But
I would if I were you, I'd get another card,
forget that card, and then I would, uh, it's not
worth fighting. It's five hundred ball, but I wouldn't pay it.

(01:14:33):
I wouldn't pay already paid it. Oh all right, Susan,
what's going on? Hi, what's happening?

Speaker 2 (01:14:43):
Okay?

Speaker 23 (01:14:43):
So my mom died in October of last year. We
had a family trust that dissolved upon her death, and
it was administered by a company out of Rapid City,
South Dakota called Independent Trust Company.

Speaker 19 (01:14:58):
Is that where she was?

Speaker 23 (01:15:00):
No, No, it was just one of the because of
the terms of the trust, it was one of the
only trustees we could find to take it on.

Speaker 11 (01:15:09):
I wonder why they didn't have a family member, But
that's okay.

Speaker 2 (01:15:12):
You know a lot of people do what you're talking about.
So what happened?

Speaker 23 (01:15:16):
It was originally my grandpa's trust, and he was trying
to protect it from my dad and so anyway, But
so it was a relatively straightforward trust. The assets were
to be distributed in kind to myself and two sisters.
We notified itc on October twenty third of my mom's death,
and it took until last month to distribute all the assets.

Speaker 2 (01:15:43):
Right and how wait, wait your mom? When did your
mom die?

Speaker 23 (01:15:47):
October thirteenth?

Speaker 11 (01:15:48):
Yeah, that in twenty twenty three. Yeah, okay, that's not outrageous.

Speaker 23 (01:15:59):
Okay, but so okay, I did want to get your
feedback on that. However, there were five concerning things that
I had raised with itc to a guy named Michael Dunn,
their chief fiduciarian attorney, and he came back. I know, like,
breach of fiduciary is a legal thing and a whole
different level. And he came back and said there was

(01:16:21):
no breach. But he also said there was no incompetence
or negligence.

Speaker 11 (01:16:25):
Well wn't wait, wait, but what are you talking about now?
You say, other than the time, what consequences were there
that you would even ask about breach because.

Speaker 23 (01:16:36):
Their lack of doing their job caused it to take
this long.

Speaker 2 (01:16:42):
Okay, let's say I did.

Speaker 11 (01:16:43):
Okay, let's say they were negligent and it delayed it.

Speaker 2 (01:16:48):
Let's just say that what were the damages?

Speaker 23 (01:16:52):
I mean not a lot of money, like six hundred bucks.

Speaker 11 (01:16:56):
But it's the wait, wait, the six hundred money in
damages or six hundred?

Speaker 19 (01:17:01):
Tell me what is six hundred?

Speaker 12 (01:17:03):
Oh?

Speaker 23 (01:17:04):
Six hundred? It's too I would be willing to give them,
you know, until March.

Speaker 11 (01:17:09):
Susan, Susan, you're not answering my question, dear, I need
to know what.

Speaker 23 (01:17:14):
Are they It's two months of trustee fees that they
charges they were charging.

Speaker 2 (01:17:19):
Oh oh oh oh oh oh.

Speaker 11 (01:17:22):
I get you. You're saying it went on so long
and they had they took an extra six hundred fees.

Speaker 23 (01:17:29):
Yeah, and so that's one thing, Like it does hurt
a little bit to be paying for what I think
it's been a terrible experience.

Speaker 2 (01:17:37):
Tom, Okay, what did they do? But what now?

Speaker 19 (01:17:39):
Tell me something?

Speaker 11 (01:17:41):
As a trustee, all they had to do was what
did they have to do that?

Speaker 2 (01:17:47):
Why were they even charging you three hundred bucks a month?

Speaker 23 (01:17:51):
I mean, there's a there's closing there's a closing process to.

Speaker 11 (01:17:54):
Show you before the closing, were you being charged each
and every month?

Speaker 8 (01:17:59):
Yes?

Speaker 2 (01:18:00):
What were they doing investments for you?

Speaker 11 (01:18:03):
No, we have a several so you have an investment advisor,
and then you have the trustee the trustee. During the
term of the trust, a trustee normally does nothing unless
the trust calls for something like appraisals or distributions. So

(01:18:24):
this is what I'm asking, just to get some idea here,
during the term of that trust before it was dissolved,
you're telling me the trustee charge three hundred bucks a
month for nothing.

Speaker 23 (01:18:37):
I believe so it was my mom was the was
the beneficiary at that time, and the co trustee. So
I'm not sure. I'm just more concerned about what happened.

Speaker 19 (01:18:49):
What's the total value of the trust?

Speaker 23 (01:18:52):
It was around seven hundred grand a little bit more.

Speaker 11 (01:18:55):
Okay, here's what I'm thinking. You're not going to get anywhere.
They're not going to voluntarily give you any money. They're
they're going to make you go for it. And here's
the thing. It is so hard to prove malfeasance or
breach of fiduciary responsibility if in fact, it took.

Speaker 2 (01:19:16):
Two extra months, and you thought it should.

Speaker 11 (01:19:20):
I've heard of trusts being dissolved in as little as
three months and going on for a year. Was it complicated?
What did they have to do to dissolve the trust?

Speaker 18 (01:19:32):
No?

Speaker 2 (01:19:33):
Tom, it wasn't what assets. What assets did the trust hold?

Speaker 7 (01:19:39):
I mean they just had, you know, like a mix
of stocks, just like some.

Speaker 2 (01:19:43):
Okay, were they liquidated or transferred?

Speaker 7 (01:19:46):
No?

Speaker 23 (01:19:46):
No, they were transferred in kind.

Speaker 11 (01:19:49):
So they were divided up to how many heirs, three
of us, So you had to divide stocks and maybe
bonds and other things. What else was in the trust
other than investments?

Speaker 23 (01:20:04):
Yeah, it was mostly mostly stocked, some bonds, just a
mix of traditional investments and they.

Speaker 11 (01:20:10):
Were all transferred in kind to three different people. All
I want to ask Ara, I want to ask one
of our like Dan McKenzie.

Speaker 2 (01:20:20):
Try to get McKenzie on. Let's get a you know what.

Speaker 11 (01:20:23):
Rather than you getting my opinion on this, let's ask
one of our state attorneys.

Speaker 2 (01:20:27):
They'll know, okay, and Tom.

Speaker 23 (01:20:29):
I want to share with you, and then I can
share with you a couple examples of their incompetence and on.

Speaker 11 (01:20:34):
Professional Well give me okay, maybe we wait for Dan
and you can tell him too, because I want to
know of anything. Okay, he's on right now, Thank you, Kachina.
Dan McKenzie, real quick, Dan. He is our estate planning
attorney and also a state expert. Hey Dan, I want
to ask a quick question. Susan said her mom died

(01:20:56):
in October of twenty twenty three and the trust was
just dispersed recently, and she thinks it was unreasonably long.
And it was about seven hundred thousand dollars of stocks
and bonds that were transferred to three Airs and they
were three airs in kind, so it wasn't liquidated. There

(01:21:20):
was nothing to sell. They simply transferred title of the
stocks and bonds to three Airs. Does that sound like
a long time to you? Less than a year to
do that? It was from October till about August.

Speaker 18 (01:21:37):
No, not necessarily. You always have to be careful of
the trustee and you don't distribute us before you know,
like all the bills are settled and taxes are filed,
so sometimes that can slow things down.

Speaker 2 (01:21:47):
A little bit.

Speaker 18 (01:21:49):
That does not immediately start me as unresall, but obviously
you know it sounds I mean, it sounds straightforward, but.

Speaker 11 (01:21:56):
You know, now independent, independent, trust company was the name
of the play.

Speaker 2 (01:22:03):
Have you heard of them?

Speaker 18 (01:22:05):
It brings the both.

Speaker 11 (01:22:07):
Now another thing, she said that the fees were about
three hundred a month. That sounds outrageous to me for
just sitting on a trust.

Speaker 19 (01:22:14):
But I don't know. Do trust companies charge every single month.

Speaker 18 (01:22:20):
There's different billing models. But so they charged twenty one
hundred bucks at the end.

Speaker 9 (01:22:25):
Of the day.

Speaker 11 (01:22:26):
No, no, no, we're talking about three hundred for Susan.
Your mom was paying three hundred a month.

Speaker 6 (01:22:31):
Every month, I believe.

Speaker 23 (01:22:34):
So I've only seen I'm only looking at the statements
from during this closing process.

Speaker 11 (01:22:41):
And how much total did they charge the estate during
the closing process.

Speaker 23 (01:22:48):
I don't have that number off the top of my head,
but you know that was part of my concern. They
were asking for more cash from our financial advisor, and
when I pushed them on it, they came back with
different accounting I think successive for some of the tax
preparation stuff.

Speaker 2 (01:23:03):
But whatever, I don't know, but give us an idea.

Speaker 11 (01:23:06):
I like, for the tax prep what did they charge?
Hold on a second, I have to take a break.
I'm gonna ask Dan McKenzie. We can call him back
or if we can keep him on, because this is
important for those listening as well. On what to expect,
I'm Tom Martino three oh three seven to one three
talks seven to one, three eight two five five. Go

(01:23:29):
with a sure thing Denver's best roofer Excel Roofing dot com.

Speaker 12 (01:23:33):
You don't pay a cent until you're content.

Speaker 11 (01:23:38):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one.

Speaker 2 (01:23:49):
Help.

Speaker 11 (01:23:49):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martine three O three seven
on three talk three all three seven one three eight

(01:24:10):
two five five. By the way, probid Energy dot com
another solo contractor we love. Pro bid energy for both
residential and commercial. Probid energy dot com. They do it all,
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Speaker 19 (01:24:24):
Probid Energy dot Com.

Speaker 2 (01:24:25):
Okay, so listen.

Speaker 11 (01:24:26):
Dan McKenzie is an attorney at law and he does
the state plans and wills and trust and if you're
facing probate or something, and Dan in general, Susan and
we can bring up Susan to Mark. Susan seems to
be upset basically with the whole process, and she was
about to tell us some of the things she feels
incompetent so far, though.

Speaker 19 (01:24:44):
The timeframe doesn't seem unreasonable to you.

Speaker 11 (01:24:46):
If she died in October and it took uh took
less than a year to distribute the assets. And then, Susan,
what else were you upset about? In general? It sounds
like you're just pissed off at this trust company.

Speaker 2 (01:25:00):
So really, I mean, tell Dan some specifics.

Speaker 23 (01:25:03):
Yeah, Tom, Honestly, if they if they, if this chief
fiduciary had just acknowledged that this did not go to
a standard of confidence in their company, I.

Speaker 15 (01:25:14):
Probably would not like.

Speaker 19 (01:25:15):
What give me an idea?

Speaker 11 (01:25:17):
You you haven't said anything really agregious yet, right.

Speaker 23 (01:25:21):
Because we haven't talked about it. Just for example, she
took three rounds of paperwork and my sister's effort in
uncovering the fact that they were trying to initiate the
transfer for her division of assets incorrectly because she had
a Fidelity account. The assets were held with Schwab, so

(01:25:43):
ITC did not have an understanding of that process and
kept sending her the wrong paperwork the wrong process until
her Fidelity representative was like, no, you cannot transfer between
brokerage firms. You need to set up a separate Schab account,
transfer there, transfer to your Fidelity.

Speaker 11 (01:26:02):
I get what you're saying, but Susan, that is something
that could. That doesn't sound egregious, though I know it
sounds frustrating.

Speaker 2 (01:26:09):
In other words, rather than going.

Speaker 23 (01:26:12):
It delayed the transfer by a month. That's an example.
They try to initiate a transfer of assets from the
wrong Schwab account. They were trying to use my Schwab
account instead of the trust.

Speaker 2 (01:26:26):
But Susan, just if you didn't liquidate them, you might
even have an argument if you liquidated them and the
stock market went up, but you just transferred them. You
never liquidated them. I don't even understand where there be
a market damage.

Speaker 11 (01:26:39):
What Mark is saying is there's no monetary loss. In
other words, that the delay just delayed title not not
there was no monetary loss.

Speaker 2 (01:26:48):
And honestly, and I'll ask Dan this, Dan three hundred.
While they're unwinding the trust or finishing it up three
hundred a month? Does that seem excessive? I just don't know, Well.

Speaker 23 (01:26:59):
Mark, they also or they charged all about thirty eight
hundred for trustee closing fees during that time. And I
also see a charge in April for an investment management
fee of one thousand dollars.

Speaker 19 (01:27:12):
What was that?

Speaker 2 (01:27:13):
Do you know? Was that for assets under management?

Speaker 23 (01:27:18):
I don't know if they took that or if they
I don't.

Speaker 2 (01:27:21):
Know, they might have paid that too.

Speaker 11 (01:27:24):
I have a feeling I have a feeling did the
investment advisor invest for the trust? Yes, I have a
feeling that was I have a feeling they were paying
the assets under management fee directly to the advisor, and
then as far as thirty eight hundred dollars to close
out a trust.

Speaker 19 (01:27:40):
I don't know, Dan, I mean, did.

Speaker 23 (01:27:44):
The analyst told me they were charging twenty one hundred
for tax prep with it? Which is insane to me?

Speaker 2 (01:27:49):
It was twenty one hundred part of that thirty eight?

Speaker 23 (01:27:53):
I don't know because this guy was an idiot the analyst.

Speaker 11 (01:27:56):
No, I mean you should know. In other words, are
you paying thirty eight for closing fee? Use plus twenty
one for taxes. It's not clear to me, Well it
should be.

Speaker 19 (01:28:07):
Is it on an invoice?

Speaker 23 (01:28:09):
The thirty eight hundred is on the statement. The twenty
one hundred is what was quoted from the analyst for
tax tax prep fees that they needed from the financial advisor.

Speaker 11 (01:28:21):
Okay, Dan, what is your what is your I know
this is not a lot of it. You know, it's
weird to ask you this, but what is your opinion
of what you've heard so far?

Speaker 18 (01:28:31):
I mean, I guess I'm still thinking, like I'm not
hearing anything that's like whoa like it obviously agreed to,
but obviously about the devil's in the details. I mean,
if it was you know, ten minutes of work, Like
you know, attorneys are obligated to be reasonable. So even
if we agree to like charge ten thousand dollars or something,
and it turned out to be ten minutes of work,
we really can't take the ten thousand bucks. I don't

(01:28:53):
know if these are attorneys or not, but you know, yes,
it could be unreasonable. But it's not like it's an
anonymous me. You know, we look at accountings for estates
all the time, and when there's lawyers doing it or professionals.
I mean, it's it's very common to see five, multiple
five figures for fees.

Speaker 11 (01:29:11):
Okay, but what about this if it's a seven hundred
thousand dollars trust? Yeah, does it doesn't sound I mean,
my goodness, it doesn't sound like that much they were
charged that much. But I look at I know she
didn't call. I mean, she's called because she's upset. But
if you don't agree, I mean, I don't seem to

(01:29:32):
see anything. That's just staring at me thinking, I don't like,
what is there a percentage? For example, Like it seems
to me that it's seventy thousand dollars, right, or seven
hundred thousand dollars? What would be a percentage that would
be acceptable?

Speaker 2 (01:29:49):
You know? Well, I think it depends what they're doing,
because that company also does asset.

Speaker 11 (01:29:54):
If you ended up all the fees that you guys
paid all of them, do they come to under ten grand?

Speaker 7 (01:30:01):
Yes, I would say, yes, Okay, well they're just there.

Speaker 23 (01:30:06):
It was handled so poorly. It is it is, I
think Tom you said it. It's not so much about
the money. They they breached trust with us because of
how incompetent the people we worked with were from the
very start, they didn't know that who the financial advisor
was on this trust. The analysts didn't, and then they
asked us to send details of our custodial accounts, full

(01:30:30):
custodial account numbers, through regular email, not in a secure way,
until we push back on that.

Speaker 11 (01:30:36):
I mean, like, yeah, I know, I know, it does
sound like they might have had some procedural problems, But
I don't think you're I think you're going to be
shocked when I tell you that this is not uncommon, Dan.
Isn't that true when it comes to stuff like this.

Speaker 18 (01:30:53):
I mean, it's hard because you're dealing with so many
different financial institutions. They have their own all of their
own papers and procedures and everything else. So now you know, yeah,
I mean, obviously you help people who do this every
day are running in the Schwab and Fidelity, which are
probably where most of the money in the United States is.
But you know, it's yeah, it's frequent that you're calling

(01:31:14):
and getting one answer from them, and then you call
back and get a different person saying a different answer.
So sometimes that does happen. Sometimes that does happen.

Speaker 2 (01:31:22):
All right, listen, guys, we have to take this break.
I got dragon throwing stuff at me. Three oh three
seven one three eight two five five. By the way,
that was Dan McKenzie, CEO Plans dot Coe. He'll talk
to you for free any estate questions CEO three.

Speaker 11 (01:31:37):
Co Plans go with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay a cent until
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In comparison, call Compass Insurance paying too much your coverage

(01:32:00):
at dozens of insurance companies find out now three all
three seven seven one help. You'll think you're his only
customer when you choose Frank Durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 2 (01:32:19):
All right, three oh three seven one three eight two
five five three zero three Martino, you've been ripped off
taking advantage of We got a couple lines open, but
we're gonna jump right to Mandy. God, this happens this
time of year all the time. Concrete problems, God, concrete,
What happened Mandy?

Speaker 19 (01:32:37):
Tom Harry, what's happening?

Speaker 24 (01:32:39):
So I've sent pictures the top layer of my crete
on my little porch has crumbled?

Speaker 11 (01:32:46):
How old is that? How old is that? I'm looking
at it right now. How old is this?

Speaker 24 (01:32:50):
It was built in two thousand and five and it's
been crumbling for about a year.

Speaker 11 (01:32:55):
Okay, it's not okay, you can't twenty years.

Speaker 19 (01:32:58):
It's okay.

Speaker 11 (01:32:59):
It's crumble ever technically, but you know what, God knows
what happened to it. It could have been so many
little things that eventually gave out.

Speaker 2 (01:33:08):
But are you asking how to repair it?

Speaker 24 (01:33:11):
I'm asking should I get it repaired quickly? And who
could I contact to do a small job. It's just
a little porch on my tail.

Speaker 11 (01:33:20):
Now. There are definitely materials that will patch that, but
it will never blend perfectly. So something you can do
is what you need is someone to blast the hell
out of it to get rid of all the loose
stuff on top, and then you're gonna have what's called
exposed aggregate. Now, some people have taken exposed aggregate and

(01:33:42):
grinded it down and they didn't bother pouring anything on top.

Speaker 2 (01:33:46):
They just epoxy or seal over it.

Speaker 11 (01:33:49):
And that can be attractive and durable because you've done
away with all the loose stuff, but again you're gonna
have what's called exposed aggregate.

Speaker 19 (01:33:57):
Some people like the way, but you do.

Speaker 11 (01:33:59):
Have to grind it a list, so you have to
blast the hell of it, grind it, seal it, or
you can get like an elite garage floors. Yeah, this guy,
he is really good what he can do. He's still
going to have to blast it, you know, with his
power washer and all that, and do it. Do probably
be blasting to get it down. Then he could coat it.

(01:34:19):
Now here's what I'm going to tell you though, without
putting a layer on top. If you coat it, you're
still going to have it's It's going to probably be
a very durable finish and I think it'll be attractive,
but it's not going to be even you need.

Speaker 2 (01:34:35):
Oh, I think he could do that evenly.

Speaker 11 (01:34:37):
Do you think he could first before he puts the
coating on. Do you think that coating the coating doesn't
really fill?

Speaker 2 (01:34:44):
I know TJ will do this. TJ will make sure
it's prepped right. And if he can't do it right,
because he's going to do it, he won't do it
because of his warranty. He's got to fix it forever
you can you send that picture to TJ. Yeah, I'll
do it.

Speaker 19 (01:34:57):
Let's send that picture to our guy.

Speaker 2 (01:34:58):
Okay, then she can pick out whatever color she could
match that yellow in her house. She could do whatever
she wants to be.

Speaker 19 (01:35:05):
Yeah, that started. I'm looking at the other pictures.

Speaker 11 (01:35:07):
Now I think he would blast the hell out of
it and then cover it. Now again, you may have
to put something over to patch it. Let's get him
on the phone too. Let's just ask him a question
in general about he knows what spalling is.

Speaker 2 (01:35:23):
Let's do that. We'll catch up on branks three oh
three seven one three eight two five five.

Speaker 11 (01:35:37):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer

(01:35:59):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two. Hi, Tom Martino
here three all three seven one three talk seven one
three eight two five five Denverregen dot com. Mark was

(01:36:21):
making fun of me for I had the hair thing
done where they put the stem cells. I'm forgetting new
growth now, like I said.

Speaker 2 (01:36:28):
You mean you got a lot of new growth.

Speaker 11 (01:36:30):
Yeah, Jim, seriously, I mean I'm not saying I'm Samson,
but man, it really made a difference. And this has
only been three or four weeks Denverregen dot com. So
they do that plus regular stem cell therapy. Okay, let's
talk now. We we did check her her picture. I
want to talk to chij with elite garage floors, TJ.

Speaker 19 (01:36:51):
How you doing? Good to talk to you man?

Speaker 2 (01:36:53):
So Tom, thanks, Hey TJ.

Speaker 11 (01:36:57):
She's got spawling where you can see some exposed aggregate
and then you see some sections of the broom finish.
You know what I'm talking about, exactly right?

Speaker 25 (01:37:07):
Yes, I actually got a picture, and yes we can
fix that.

Speaker 2 (01:37:11):
Oh good, how do you do it?

Speaker 25 (01:37:14):
So what we do is we grind the brush part
of them. We'll put a pall of your thing mixture
to make it kind of smooth, and we grind that.
Then we put a coating on top of it.

Speaker 11 (01:37:27):
Wow, that is very good. Hey, listen, you won't get
a better job, Mandy. This could be the solution.

Speaker 2 (01:37:37):
And you can match it any way you want, and
I guarantee it'll be a heck of a lot lesson
replacing it.

Speaker 19 (01:37:42):
Oh no, you know what.

Speaker 11 (01:37:43):
Plus it'll be prettier than what you had before. I
mean it'll look finished, like really nice. You get to
pick a color and a pattern.

Speaker 22 (01:37:51):
Is that a.

Speaker 2 (01:37:52):
Lot the original mix twenty years ago? Totally sad? Question?
Is that too much aggregate? Would either of you say?
Or is that pretty norm That seems like there's some
pretty big chunks of rocks.

Speaker 11 (01:38:03):
And you think she got goodwaar out of that? And
it was put in two thousand and four.

Speaker 26 (01:38:08):
I yes, Well they're more aggregate just because it's thicker,
and it's more like a foundation wall, more of a structure, yeah,
than than a floor.

Speaker 11 (01:38:22):
Do you think, though, twenty years is all you can expect?
Or theoretically, can you have a monolith that doesn't ever
have a problem?

Speaker 25 (01:38:33):
I don't think. I mean it depends on the concrete, Tom.
I mean, I've lived at my house for almost twenty
years and our concrete's perfect.

Speaker 2 (01:38:42):
Well, then there's stuff they build these roads with my god,
I mean, I guess you're right. All the trucks and
everything every single day, in and out. That's good stuff. Yeah.

Speaker 19 (01:38:51):
But anyway, man, let me give you his number.

Speaker 11 (01:38:54):
Uh seven to zero two five two.

Speaker 19 (01:39:00):
Tom, not that one.

Speaker 11 (01:39:01):
I'm sorry, I'm sorry, I'm sorry. That's your personal Let
me here, I'll get it.

Speaker 2 (01:39:04):
I'll get it.

Speaker 19 (01:39:04):
I have it from our commercials.

Speaker 11 (01:39:07):
I'm sorry, man, Okay, yeah, okay, it's seven to zero
nine nine two.

Speaker 2 (01:39:15):
Four four eight. Hey, are you guys still doing the cabinet?
Just to remind him of your Mandy from the show?
What were you saying by I'm talking to TJ. Are
you still doing cabinets big time?

Speaker 25 (01:39:28):
Oh yeah, we're doing full complete garages, drywall, uh, painting everything.

Speaker 2 (01:39:34):
Oh my god. So you'll go into someone's garage not
only do the wait, wait, you'll not the cabinets, but
you'll fix drywall.

Speaker 20 (01:39:42):
Night.

Speaker 2 (01:39:42):
Yeah.

Speaker 19 (01:39:43):
What what he means by.

Speaker 11 (01:39:44):
Drywall is a lot of garages aren't finished on the inside.

Speaker 2 (01:39:47):
Oh wait, you'll finish the garage. Oh yeah, with drywall? Now,
are you okay? I'll just put it to you like this.
Are you cheaper than most people?

Speaker 26 (01:39:58):
We're Coretti.

Speaker 25 (01:40:00):
We're a little cheaper, but not much.

Speaker 2 (01:40:02):
But you are cheaper.

Speaker 11 (01:40:03):
If someone wants, I'll tell you what's cheaper about it
or less expensive.

Speaker 2 (01:40:06):
I know this floor coverings, you're cheaper than anybody ever.
Say no, I know.

Speaker 11 (01:40:09):
But he's mobilized once, so he's there already. So that's
gonna help. Right there, that alone is gonna help.

Speaker 2 (01:40:15):
God TG I didn't know you would refinish the whole thing,
but as far as the garage floor part, I do
know he does a great job because he's done multiple
areas in my house. You can check out Elite Garage
Floors three oh three ninety three nine two four four eight.
We got a ton going on, we got some open lines.

Speaker 11 (01:40:31):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three, seven
to seven to one help. You'll think you're his only

(01:40:52):
customer when you choose Frank durand the Real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 1 (01:41:06):
Ripped News need advice, so you don't have.

Speaker 15 (01:41:13):
Come running.

Speaker 21 (01:41:14):
Just as fast as we.

Speaker 1 (01:41:16):
Can, Shooter's gonna help coming.

Speaker 2 (01:41:20):
Man Dix's the Troubleshooter Show. Now, Tom Martine, Hey.

Speaker 11 (01:41:27):
Tom Martina here with Mark Major, Deputy docks In Deputy
bou had to run. We got Paul the waterman who's
doing a screaming deal on an in house system.

Speaker 19 (01:41:34):
Let me tell you something. I'm serious now.

Speaker 11 (01:41:38):
I routinely advertise softening at thirty four one hundred bucks
fully installed in your house. I then advertise drinking water
at your kitchen sank for fourteen hundred bucks reverse Osmos's
wonderful drinking system. He's doing a combination right now at
an unbelievable price.

Speaker 2 (01:42:00):
I mean, you're here's what here's what you're doing.

Speaker 11 (01:42:02):
You're getting a discount on the whole house oftener and
then you're basically getting the reverse losmosis free. If you
look at what he used to charge, and these are
real prices people that we've paid. This is not something
that he just made up. So why Paul, are you
getting a special deer from the manufacturer or what what's
going on?

Speaker 22 (01:42:18):
Bro?

Speaker 4 (01:42:19):
Yeah, it's a manufacturer, and so we're passing that on
to the consumer.

Speaker 19 (01:42:23):
So thirty one ninety five, thirty.

Speaker 4 (01:42:25):
One ninety five, how long is this going to last?
It's gonna last the end of the month.

Speaker 2 (01:42:30):
How do I apply for a refund for the one
you sold me at a higher price? Well, no, you
had a different unit, So you're in waltwater.

Speaker 11 (01:42:37):
Okay, okay, see okay? Three oh three eight six, two, five, five,
five four.

Speaker 2 (01:42:41):
You know I actually did shop around Tom you know me, No,
he's a I shop around beyond what most I know.
Do I know you do. We're doing our bathroom right now,
and I shopped around five different people to give you
an idea. But with Paul, I was truly blown away. Yeah,
even more than that, because the highest estimate I got

(01:43:04):
we talk about how we can save you up to
fifty percent. But in all honesty, I got one estimate
from somebody that we all know and love, and it
was three times higher. Oh I know it for three
times higher. And arguably, Paul, the water softener they wanted
to sell me wasn't even a water softener. According to No,

(01:43:25):
I don't like things I've researched.

Speaker 11 (01:43:26):
Here's what they Okay, and I talked to these guys
about it. Okay, they're not dishonest machines.

Speaker 2 (01:43:34):
I just hate them.

Speaker 19 (01:43:35):
And let's just call it's Halo.

Speaker 2 (01:43:37):
Let's just say we replaced one this morning.

Speaker 19 (01:43:39):
I just want to say what this is. I want
people to hear this.

Speaker 11 (01:43:42):
This is really important that we give out accurate information.
Halo does not soften water. Now, listen, it doesn't remove
hardness from water. But what technically if you talk to
these people that sell it and that make it, they

(01:44:05):
say it makes hard water behave like soft water by
aligning the molecules blah blah blah. So by doing that,
even though you have hard water, they say, it won't
cause the harm to your plumbing and stuff. But you
can't feel the difference on your skin, not one bit.

Speaker 3 (01:44:28):
No.

Speaker 2 (01:44:28):
But where the controversy came up, and it was a
couple of years ago. You'll remember this. Someone had a
boiler system and they had extreme hot water. I believe
it was a boiler hard water, and they were hard water.

Speaker 11 (01:44:41):
And they put the they were told to put in
a softener.

Speaker 2 (01:44:43):
They sold them the boiler, the company sold them the boiler.

Speaker 11 (01:44:46):
And thelo The HALO s was supposed to preserve the boiler.

Speaker 2 (01:44:51):
It ruined the boiler.

Speaker 11 (01:44:52):
The boiler was filled with cake caked up hardness.

Speaker 2 (01:44:58):
We got them to refund the money on that one.

Speaker 11 (01:45:00):
I know, but I'm saying that's who came up and
you repaired it, right.

Speaker 2 (01:45:05):
We repaired.

Speaker 4 (01:45:05):
We put a dual tank water software in and then
they eventually upgrade.

Speaker 2 (01:45:09):
It to a whole house ro because of the other
elements in the water.

Speaker 4 (01:45:12):
The one thing I want to say about the HALO
is that understand this water hardness is calcium carbonate, which
is a scale.

Speaker 2 (01:45:19):
It's a rock. You're not going to suspend a rock.

Speaker 19 (01:45:24):
Why.

Speaker 11 (01:45:25):
Okay, look at Paul I when I talk about this,
I get in trouble.

Speaker 2 (01:45:29):
Here's why you.

Speaker 11 (01:45:30):
When I say there's complete transparency on my referral list,
I mean at one thousand percent.

Speaker 2 (01:45:37):
I don't go along with things just because I.

Speaker 11 (01:45:39):
Have good people that sell them. I know great people
that sell the Halo systems. But I think they've sold
on it and and they don't work. Okay, now listen, now, listen, man.
I don't know how they're getting away with it nationwide.
I don't know how the Federal Trade Commission, the EPA.
Why are they allowed to make the claims they do?

(01:45:59):
These stems cost fifteen grand and they don't do near
what yours does at thirty four hundred.

Speaker 4 (01:46:05):
Well here's the other thing too, to be very candid,
neither does aquasana. You know, there's no such thing as
a salt free water softer. They don't exist aquasan and pelican.

Speaker 19 (01:46:14):
And there's another misnomer.

Speaker 11 (01:46:16):
Water softeners do not add salt to your water. Correct
They use it to rinse the filters. I okay, So
in other words, here's what happens when your softeners not
being used. The filters have to be washed out because
they have all the hardness in there.

Speaker 2 (01:46:34):
They use a salt briny.

Speaker 11 (01:46:35):
Water to do it, and then that is then rinsed
with fresh water and all flush down your drain. That's
how water softeners work. It doesn't add salt to the
drinking water or your water supply. Now, there might be
a tiny bit of residual after you wash out the
filters that are in the filters that you get, but

(01:46:57):
I don't think it's measurable.

Speaker 2 (01:46:59):
Do you. No.

Speaker 4 (01:47:00):
The water softening resin is the filter media and So
what happens is is that it's the ion exchange. Yes,
so if calcium carbonates hard news, sodium chloride is a
detergent calcium chlorid go down the drain. The byproduct of
a water softener sodium carbonate, which is baking.

Speaker 2 (01:47:16):
Soda, you must be a blasted parties, I am.

Speaker 11 (01:47:20):
Well, you know what, here's the thing man Again, there
are people who are really really pissed off when I
start talking about this. They call it whole house filtration
and conditioning.

Speaker 2 (01:47:33):
Well, that's the one thing that halo. The halo does
actually filter the water as well, though no, I mean
your typical softener doesn't do that part.

Speaker 4 (01:47:41):
Well, it uses activated carbon mark trade. So what the
halo is is it's a carbon filter back Carson carbon
filter with a magnet, and so magnet is not going
to soften the water, won't suspend the hardness.

Speaker 2 (01:47:53):
Now I went to the Water.

Speaker 4 (01:47:54):
Quality Association and said, hey, because the halo uses the seal,
and I said, you got a hold their feet to
the fire because this is not a water softener. And
so now they're supposed to advertise under brochure water conditioner.

Speaker 2 (01:48:07):
It seems, and.

Speaker 11 (01:48:11):
Listen to how carefully they advertise, listen to the benefits. Listen,
solves hard water problems. Do you notice the difference.

Speaker 2 (01:48:21):
Yeah, I'm reading the same thing. Not it softens water,
but it solves.

Speaker 11 (01:48:27):
Although it does say softening up above it says high
filtration softening Listen. I imagine some of that filtration does
take some metals out.

Speaker 4 (01:48:37):
It does probably right, well, certain carbon filters will take
lead out, absolutely.

Speaker 11 (01:48:43):
And they will take some of the hardness out filters not. Now,
Halo does offer water softener. Halo offers a legitimate resin
based water, so they do.

Speaker 2 (01:48:52):
Okay, oh they do, but it probably costs twice as
much as yours.

Speaker 4 (01:48:56):
Right, and so the Halo five is not a water softener. Now,
I'm a builder that put in a Halo five. The
customer was upset. They went to Halo direct. Halo came
out and put an actual salt based water softener in.
That's the only way to soften the water.

Speaker 11 (01:49:10):
So they do make conventional softener, right, they do make
a conventional water softener Halo.

Speaker 4 (01:49:15):
The Halo five is basically activated carbon with a magnet.
That magnet is there's no way that you're going to
take a rock which is hardness and have a magnet repolarizing.

Speaker 11 (01:49:26):
You're right there. In fact, they don't. They've taken the
word softener off of that Halo five.

Speaker 2 (01:49:31):
That's right, they don't. They're right.

Speaker 4 (01:49:32):
Yes, they called a conditioner. Now well they got slapped.
Well it's legit. They're doing it right now.

Speaker 11 (01:49:38):
Yeah, So people, I want to I want to amend something.
Halo does have some real softeners, okay, of course, always
price compare with other companies. They do have conventional softeners.
And then they also have this thing called the Halo
five which is a whole house filtration and conditioning and
it's not a softener a softener. Yeah, they they've corrected that.

(01:50:00):
So I was wrong when I said they were misadvertising.
They did correct that.

Speaker 2 (01:50:03):
Why was that because of the government or well.

Speaker 4 (01:50:05):
No, it's because of the complaints because if you look
at it, the Halo five, I mean they sell anywhere
between five thousand, eight thousand, eleven thousand on up, and
they were and I agree with you. I think the
manufacturer misled certain plumber representatives and let them believe this
was the greatest thing since you know butter, but it wasn't.
And then you know, these guys believed the manufacturer rep

(01:50:27):
talk and until you know no one likes to you know,
believe something and find out that you know they relied to.

Speaker 11 (01:50:33):
Well, we have time to get calls, of course, we
have forty five minutes or more three oh three seven
one three talks seven or three two five five or
three oh three Martino got a quick follow up, and
you're going to follow up on the hailstorm the hell
claim the repair shop has had this car they feel
for an excessive amount of time. Deputy Dot called on
and we'll talk about that.

Speaker 19 (01:50:53):
Frank time.

Speaker 2 (01:50:53):
I like what I heard either, keep going.

Speaker 19 (01:50:55):
Frank Dran the real estate.

Speaker 11 (01:50:57):
Man, will to let you know what your house will
sell for now. A lot of people think they have
to get an appraisal, and appraisal will tell you nothing
about that. Frank Duran will use actual stats to show
you what that house in similar houses self work based
on his thirty years of experience. Get some real information
free of charge, with no obligation. Three oh three nine
two zero sixteen twenty two. Go with a sure thing

(01:51:24):
Denver's Best roofer Excel roofing dot com.

Speaker 2 (01:51:27):
You don't pay a.

Speaker 12 (01:51:27):
Cent until you're contenth.

Speaker 11 (01:51:32):
Time for an insurance checkup free, no obligation comparison call
Compass insurance paying too much your coverage at dozens of
insurance companies. Find out now three oh three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 2 (01:52:02):
All right, three oh three seven one three eight two
five five man, we get to talking during the break.
You want to hear about it, you go to YouTube
dot com. Type in Troubleshooter Network. I'm shocked, Tom, how
many people actually watch us and listen to us every day.
The biggest thing are the downloads over time, those you
don't oh over here, fifty thousand your average a month.

Speaker 11 (01:52:23):
Yeah, we get a ton of people like downloading it,
and then they can listen to it when they're on
the treadmill or they're working out or whatever. But but
the downloads far exceed the streamers. The streamers are still
important to us, and then of course our listeners.

Speaker 2 (01:52:38):
I got someone with an interesting question for you. This
is a good one. I know the answer kind of
I'm gonna go to my text to go ahead, Okay,
you ready what gut? You started in this troubleshooting forty
five years and there's people out there forty five years here,
fifty years. I mean, what what do you wake up
one day and some guy ripped you off?

Speaker 11 (01:52:58):
I swear to god, it's working for a newspaper, the
Catskill Daily Mail and the Green County News, little tiny newspaper.

Speaker 19 (01:53:04):
And I was going to, I was going to.

Speaker 2 (01:53:09):
What were you doing for the newspaper writing troubleshooting columns?

Speaker 19 (01:53:12):
Or what I was?

Speaker 11 (01:53:14):
First of all, I was in the mail room, and
then I started studying this in community college because I
couldn't afford to go to university at first, so I
was in community college taking journalism, and then they gave
me a part time job writing. So I got ripped
off by a girl who bought my car.

Speaker 2 (01:53:32):
What were you writing? At first? So it was consumer stuff,
no news, just news, okay. They they gave.

Speaker 11 (01:53:38):
Me little assignments like an obituary or or or something
a little a country market something, just stupid little articles.
Then when I got ripped off, this girl bought my car,
promised to pay me monthly and didn't pay me, And
I took it a small claims court and I won.

Speaker 2 (01:53:55):
I found a weird law. It's law of affirmation. It's
a weird law in New York.

Speaker 11 (01:54:00):
What it meant was, if you made a contract in
your seventeenth year, on your way or in your eighteenth year,
you're not yet eighteen, but it's junior eighteenth year, and
you did not disavow it when you turned eighteen, you
automatically affirmed it. Now, the reason they did that in
New York is because they were having trouble with older

(01:54:21):
teenagers who were signing contracts and then ditching them, you know, because.

Speaker 2 (01:54:26):
They weren't eighteen. So what they said was, Okay, if
you make a contract just before you turn eighteen and
you don't rescind it, it's going to after a certain
number of days, it's going to take effect. And how
would you formally rescind it?

Speaker 11 (01:54:41):
You would say that contract I signed with you when
I was seventeen, I don't want it.

Speaker 2 (01:54:46):
I mean, you basically rescinded it. So this was like
so normal.

Speaker 11 (01:54:52):
So what I did was I found this law and
waited for her to turn eighteen, because that was why
she wasn't paying a rod says she was seventeen. You
can't enforce the contract anyway. So I waited for her
to turn eighteen. Then I waited the five days.

Speaker 2 (01:55:05):
And served her and she never rescinded it. She had
not resent. She didn't know about the law.

Speaker 11 (01:55:09):
So her mom came to her with court and in
court and I said to the judge your on her,
here's this law. And she didn't resend it because he said,
what are you going to do? You signed a contract
with a minor, and even this judge didn't know. And
I said, well, here's the law at the time. And
he said, ma'am, it looks like we have to put
a judgment against you for the money, or you can

(01:55:30):
make it a payment arrangement. She so they paid me
right there and I wrote the story in the newspaper.
I asked the guy if I could write the story
about little known laws, and I wrote the story and
then the next week I got a pile of mail
and he says this is for you, and he says
you like doing this?

Speaker 2 (01:55:46):
I said yeah. He said, well research the more and
I took out a letter and I solved that one
so so almost like an advice column, but purely consumer
did it turn into that. Yeah, it was the first
one ever. It's called action.

Speaker 11 (01:55:58):
So I did it, and then I started liking doing that,
but I was still that we were small enough. I
had to do news still too, so I did both,
and then I had my column. But that got so popular,
So then a local TV station wanted stringers. They were
people that worked as a correspondent, but you didn't work

(01:56:20):
full time, but you carried a camera and went to
news stories. So I wanted to get into broadcasting, so
I did that.

Speaker 2 (01:56:27):
So would you like you would go out get whatever
video then try to sell it to a station.

Speaker 11 (01:56:31):
No, No, I worked for them. They supplied me with
the assignment. I went out and did it and then
sent them the film. It wasn't tape, it was film,
and you didn't you had to send it on a
bus literally, So I do a news story, send it
on a bus.

Speaker 2 (01:56:48):
It would get up there at four or five.

Speaker 11 (01:56:49):
In the afternoon on a bus. They would take it
then call me on the phone and I would have
to do my broadcast on the phone.

Speaker 2 (01:56:58):
It was called a beeper.

Speaker 11 (01:56:59):
It's a long story, but you would read the script
over the phone. They would put that together with your
film and then you'd have a story now. Obviously, because
you were doing it like that, you couldn't have interviews
and stuff. All you had was voiceover film. That's all
you had as a correspondent, as a stringer. But I
asked them if I could do more than that, if

(01:57:21):
I could go out and find my own stories.

Speaker 2 (01:57:23):
They never had that happen. They said sure.

Speaker 11 (01:57:25):
So they were paying me back then. There's a lot
of money for me. Two hundred dollars a story. This
was in the seventies. You know, that's a lot of money, right,
So I was doing two or three stories a week.
That was a lot of money for a kid back then.
And plus my newspaper was paying me two hundred a week.
So I was doing these stories. And I started doing
consumer stories like a new of device or a new something,

(01:57:47):
or somebody who got ripped off, and they got so
popular that got I just decided I want to do
this full time in TV. But that TV station did
not could not conceive of a full time consumer reporter.
They just never heard of it. I mean, no one did.
They said I'd have to do news. But I use

(01:58:11):
those tapes I made to get a job in Florida
and bigger station. No, it's actually a smaller station, but
they were willing to make let me do consumer stuff only.
And that was in Fort Myers. And then then the
anchorwoman in Fort Myers wanted a job in Tampa. So
when you were an anchor person, you had your tape

(01:58:34):
you would bring on the job interview, and on that
tape she introduced one of my stories. Tom Martino has
that story, and he says, wait a minute, who's that
Tom Martino?

Speaker 2 (01:58:44):
And she said, oh, he's a reporter that works with me.

Speaker 11 (01:58:46):
She said she didn't get the job, but she said,
he wants to talk to you, and I said, oh,
that's cool. So I went up to Tampa, which was
a really big market, and then got that job, and
then from there I was recruited to another station.

Speaker 2 (01:59:01):
Hold on, I want to stop you there, just so yeah,
I've always been curious about this point. So at the
point where you were in Tampa, at what point does
anybody in the industry back in that period of time
or maybe even now, at what point do they hire
somebody to shop them to stations all around? In other words,
when did you get an agent? Does that even come

(01:59:22):
into it?

Speaker 11 (01:59:23):
Yeah, but in those days. You didn't hire the agent
the other stations did for you.

Speaker 2 (01:59:28):
Let me explain that.

Speaker 11 (01:59:30):
When I was in Tampa, I was making an impact,
and then I went to don't ask me why, but
I went to Raleigh, North Carolina because one of my
news directors from the original station went there, so I
followed him. So I went from Tampa to North to Raleigh.
When I was in Raleigh, the competition sent my tape
out that they do that here too.

Speaker 2 (01:59:49):
Are they used to? I don't know what you mean
by that.

Speaker 11 (01:59:51):
Okay, Like that happened all the time I've been on
TV here, right. I was on TV up till about
fifteen years ago. Right, So when I got here, the
people did it all the time. My tape at Channel seven,
when I was on Channel four, Channel seven and Channel
nine would send my tape to a consultant who would

(02:00:13):
try to get me a job somewhere else.

Speaker 2 (02:00:15):
Why to get rid of me? Oh my god, everyone
did it. It wasn't just because of me. Everyone did it.

Speaker 11 (02:00:21):
It wasn't like they would try to They want you
to leave because they didn't want you competing with them,
so they would take key players.

Speaker 27 (02:00:30):
Oh wait, other stations would farm you out so if
you god, that's a crazy way of doing business. Maggot
and Associates and al Primo they were called. These were
called consultants, So when they went to a station, they
would consult that station on how to be better. But
they also went to the other stations, not physically, but

(02:00:50):
looked at reporters who they thought they needed to get
rid of. Got it, And so they would send your
tape out and they would actually represent you.

Speaker 2 (02:00:59):
So it was.

Speaker 11 (02:01:00):
Weird because like you would have, like al Primo and Associates,
be hired by another channel and they would call you
and you worked, you didn't work for that channel, and
they couldn't hire you there because of the non competes
that they used to have. So they would say, would
you like to work in New York or would you
like to work in San Francisco, because they that would

(02:01:21):
help them help the other station if they thought you
were a threat. I know that sounds weird, but it is.

Speaker 2 (02:01:26):
It's crazy.

Speaker 19 (02:01:27):
They did that all the time.

Speaker 11 (02:01:28):
So all of my job offers came from other stations
sending out my tapes. So then that's how I got
job offers all over the country.

Speaker 2 (02:01:36):
So at no point did you ever hire your own agent. No,
it's just not done in the business.

Speaker 11 (02:01:41):
No, it is done in the business a lot, it's
just not back then, we didn't because we were too poor.
I mean, to give ten percent of what you make
to an agent. Crazy because okay, so no, there were
a lot of people that made more money than me
that had agents, like people here in Denver anchor people,
but not at that time. Time were regular reporters getting agents,

(02:02:02):
not at that time. So what happened was when and
by the way, these consultants also sent out tapes for
other anchor people like for example, I'll bet you Mike
Sardella and Ed land Mike Landis and Ed Sardella, who
were on Channel nine for years and years in your powerhouse,
I'll bet you their tape was sent out by Channel

(02:02:24):
four more than any other state. I mean they were
They wanted to get the good anchor people out.

Speaker 2 (02:02:31):
So that's how the competition would do it. The competition
would try to get them a better job in some
to make it easier to out here. That's right. I mean,
Ronz Apollo was getting offers from all over the country
because Channel nine and Channel seven would send his tape out.
It was such a normal thing.

Speaker 11 (02:02:50):
We we knew it, like when we would get job offers,
we knew.

Speaker 2 (02:02:54):
Oh thanks for that, you know it's crazy. Yes, I
want to we got to take this break. I do
want to. I want to follow up on something after this,
So hold tight. Three oh three seven one three eight
two five to five. Auto, Yeah, we gotta take Auto.

Speaker 11 (02:03:07):
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(02:03:29):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 2 (02:03:43):
Hi, Tom Martinez, Compass Insurance Group.

Speaker 11 (02:03:45):
By the way, free insurance checkups three oh three nine
nine six nine thousand. Find out if you're covered and
if your h could save money or overly covered or undercovered.
That's three o three nine nine six nine thousand.

Speaker 2 (02:03:57):
Auto. What's going on?

Speaker 9 (02:04:00):
Hi, Tom.

Speaker 13 (02:04:01):
Hey, my name is Otto Snyder. Yes, calling because I
received a letter from a company called Penny Mack in
Los Angeles, California. I did my homework and googled it,
but I couldn't match it up to a zip code.

Speaker 19 (02:04:15):
What did they want from you?

Speaker 13 (02:04:17):
It's actually information. The letter is indicating that a check
was mailed to us in twenty one. In twenty twenty one,
and I don't recall receiving that, but my.

Speaker 2 (02:04:31):
Gosh, that was Yeah, it's a sport. You did you
have a mortgage with Penny Mac?

Speaker 13 (02:04:37):
I think when we it's a mortgage company, it is
mortgage company.

Speaker 19 (02:04:41):
Yeah, Penny.

Speaker 13 (02:04:42):
But the letter states that the state of Colorado requires
us to notify you that you're unclaimed abandoned property made transfer.

Speaker 11 (02:04:51):
They could be real, there could be a Normally with
a mortgage company, when you get those unclaimed funds, they're
usually a refund on the mortgage insurance premium that they
paid upfront or something like that.

Speaker 13 (02:05:05):
So then the then the dates and stuff or the
information that they're after, which is really just a signature and.

Speaker 11 (02:05:16):
Wait, wait, wait, wait wait, why did they don't need
a signature? What are they after?

Speaker 2 (02:05:20):
They're probably if you go to, for example, the Great
Colorado Payback, right, and you type your name in, it
still has to verify you by asking you certain questions.
The great you get that check. But I don't think
Pennymack has to do.

Speaker 21 (02:05:33):
You know.

Speaker 2 (02:05:34):
What I'm saying is he should go to the Great
Colorado Payback. That's where the money would have been deposited.
But they just they'll just take a fee for doing
what you could do for yourself. To no charge, to
pay a company to collect a money or tell you
how to collect it is a complete ripoff.

Speaker 11 (02:05:50):
Well, unless you lived in several states and you don't
know which state it is, because you'd have to go
to the specific stations.

Speaker 2 (02:05:56):
And match save you a lot of time.

Speaker 13 (02:05:58):
Yeah, but you go to the Colorado, the Great Colorado Paypack.

Speaker 2 (02:06:03):
Yeah, did they indicate how much it was? Yes, sir,
they did how much?

Speaker 13 (02:06:09):
Seventy two?

Speaker 19 (02:06:10):
Well I listen, Well, we can.

Speaker 11 (02:06:12):
Look right now and see if it's there, because you
can't well, I mean, you can do it right this second.

Speaker 2 (02:06:18):
Auto you already said it. What's your last name? Yeah?
What's you?

Speaker 19 (02:06:20):
It doesn't matter because nobody can get the money.

Speaker 13 (02:06:24):
Schneider SDH and E I D.

Speaker 9 (02:06:26):
E R.

Speaker 2 (02:06:27):
Okay, let's let's look up autos. All right, let's put
him on hold. I'm going to look that up. I'm
going to ask him something else off air, and then meantime,
let's hop over to Nate. Hey, Nate, what's going on
with you?

Speaker 14 (02:06:38):
Hey, guys, thanks for taking my call. Hey, So, I'm
a kind of an interesting situation. I was in a
bicycle accident. I cut through the parking lot of a
business and I hit a curb and was hurt pretty badly.
I had knee surgery last week, so I'm kind of
I'm exploring some options to the rub is that the

(02:06:59):
accident happened literally in the parking lot of a very
very well known personal injury attorney. And I don't know if.

Speaker 11 (02:07:09):
But I'm not so sure they would be liable. Did
they do something wrong?

Speaker 3 (02:07:14):
I don't know.

Speaker 14 (02:07:16):
I feel like the curve that I hit is very
oddly placed and not I think maybe you answered my
question about about that, and that's and that's fine.

Speaker 11 (02:07:27):
No, No, here's what I'm saying, Nate. Because something happens
doesn't make it someone's negligence or liability. It's not doesn't
mean they're negligent and it doesn't mean they're liable. It can,
it can, But one of the hardest things in liability
is premises liability. In premises liability, specifically, you have to

(02:07:52):
show that they knew about it and did nothing about it.

Speaker 2 (02:07:56):
And he cut through a parking lot. Ye, I were
a bicycle supposed to.

Speaker 11 (02:07:59):
Be no but there there still could be liability even
if you're unauthorized.

Speaker 2 (02:08:05):
I mean, I know it's weird, but it's fun.

Speaker 14 (02:08:10):
My concern obviously, I want to get.

Speaker 11 (02:08:12):
John Fuller on to ask him basically, and I don't know.
If we have a lot of we might be able
to get him on. If we can't, we'll bring you
up tomorrow. Really, John Fuller will have a real take
on this, and you really rather than letting it go
just from what I say, let's talk to John hold On,
all right, Nate, all right? Three oh three seven one

(02:08:33):
three talks seven one three eight two five five. I
guess we should take a break and come back. Are
you going to see if Atto has money?

Speaker 19 (02:08:40):
Yeah?

Speaker 2 (02:08:40):
I'm looking right now. All right?

Speaker 11 (02:08:41):
We got more right after this, go with a sure
thing Denver's Best roofer Excel roofing dot com. You don't
pay a cent until you're content. Time for an insurance
check up free, no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out now three oh three seven seven to one help.

(02:09:03):
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two seven one.

Speaker 2 (02:09:13):
Three eight two five five. Please, folks, do not forget
three zero three Martino. Tell your neighbors, tell your friends
you've been ripped off. You ever need help, that number
works twenty four seven three oh three Martina.

Speaker 19 (02:09:26):
So does autto have any money coming?

Speaker 2 (02:09:28):
Well, here's the problem, Otto, I don't have enough information.
I don't see your exact name. But I see a
lot of autos and a lot of Schneiders, but not
Auto Schneider. I've seen a couple, but it's like eight bucks.
So what you need to do is go look for yourself.
Just Google. Don't go to dot com, but Google. The
Great Colorader stack auto could have have been another state autom.

Speaker 13 (02:09:55):
I was a traveling pipe bitter by trade in.

Speaker 11 (02:09:58):
No but I mean, where was this mortgage? Did you
have a mortgage with these people?

Speaker 13 (02:10:01):
You're in Colorado?

Speaker 2 (02:10:03):
You're in Colorado, okay.

Speaker 13 (02:10:05):
Twenty fifteen. We settled in Colorado in Greeley here and
purchased this home at that time. And again, I just
recently lost my wife, so I don't want to be
scammed out of money. But this says refunds do So
that's what got my And what.

Speaker 2 (02:10:20):
Does it wants? I don't understand this sign It wants
a signature, yes it does, along with what.

Speaker 9 (02:10:29):
Title?

Speaker 13 (02:10:30):
The date of course, a phone.

Speaker 2 (02:10:32):
Number and what do you mean title?

Speaker 13 (02:10:35):
I don't know what that means either, I would guess homeowner.

Speaker 11 (02:10:38):
Well I don't even know what that means a title.
Oh oh, okay, are you sure that's what that means?

Speaker 2 (02:10:46):
It sounds like it. Okay, that's always means I see it. Okay.
And are they asking for a social.

Speaker 13 (02:10:54):
The last four digits?

Speaker 2 (02:10:55):
Yes, well, there's nothing wrong with that, okay.

Speaker 11 (02:10:58):
I don't know, like, like, if you want to send
us a copy that, we don't mind looking at it.

Speaker 2 (02:11:04):
I just don't know what their game is.

Speaker 11 (02:11:07):
They don't want any payment, or any bank information or
any credit cards.

Speaker 2 (02:11:11):
Nothing right, See, I got one right here for one
hundred and seventy two bucks for yourself. Yeah, for myself.

Speaker 9 (02:11:17):
You didn't know that.

Speaker 2 (02:11:18):
Yeah I did know it, but I'll tell you I
don't want to get into it. But it would be
a pain in the ass for me to get this.
But when you go to it to file acclaim, here,
I am owner. Then you hit file a claim. So
they want first name, last name, middle name, date of birth, email,
home phone, social security current mailing address. So that's the government.

(02:11:43):
You never give that to anyone else. Yeah, that's what
I'm saying to him, though. If they're asking for this
over some form of snail mail or something, I wouldn't
give it out. Go to this, go to the Great
Colorado paymer.

Speaker 19 (02:11:54):
You couldn't find his name.

Speaker 2 (02:11:55):
I don't know what was got it. Yeah, he must
find it.

Speaker 13 (02:11:58):
Is your name I have written on the Great color.

Speaker 19 (02:12:01):
Is your name? Is your full name?

Speaker 2 (02:12:03):
Truly?

Speaker 19 (02:12:04):
Your first name? Otto?

Speaker 13 (02:12:06):
Yes it is, okay, fourth generation uncle Otto, Roy Schneider.

Speaker 11 (02:12:10):
There was a great movie, No No, with Tom Hanks.
Did you see a man called Auto?

Speaker 2 (02:12:15):
A great movie? You gotta see it. It's a it's
a cool movie. It's a really good watch movie.

Speaker 9 (02:12:20):
Tom.

Speaker 13 (02:12:20):
I have more important things to do, like working in
the garage and building things.

Speaker 2 (02:12:25):
So what do you build?

Speaker 9 (02:12:26):
You?

Speaker 13 (02:12:27):
Wait for that? Oh, just all kinds of cool wood
things and metal things and start pieces.

Speaker 19 (02:12:33):
Yeah, I know, I know what you mean. But I
love movies.

Speaker 13 (02:12:36):
I'm retired, so this is you know, this is my life.

Speaker 9 (02:12:39):
Now.

Speaker 2 (02:12:40):
You might have free money out there now?

Speaker 13 (02:12:42):
Yeah, you know again, I want to I'm sure glad
you guys are there to help us.

Speaker 11 (02:12:46):
And when you if you send us, if you email
it to me, Kachina can tell you how to email.

Speaker 2 (02:12:52):
I would I take a look at it for you.

Speaker 11 (02:12:54):
I don't think there's anything too dangerous about filling it
out and see what happens.

Speaker 2 (02:12:58):
I don't like given my social No, no, he's just the
last four digits of his social that's a little better.
This want's your full social on the Colorado site.

Speaker 11 (02:13:06):
Yeah, but that's the Colorado site. I would trust them
for that, I do, all right. I want to recap
with Paul the Waterman real quick here Paul waterpros dot net,
So right now until further notice, you have a whole
house softener along with a triple filter reverse osmosis drinking water,
so you get both drinking water and you get soft water.

(02:13:28):
So we're talking to host shooting match here for thirty
one ninety five.

Speaker 4 (02:13:32):
Right, twenty four thousand grain water softener with the reverse
osmosis everything manufactured in the United States of America for
thirty one ninety five.

Speaker 2 (02:13:41):
Paul, Does that cover any size house? I mean, oh,
that's a good question. What is that for, like the
tiniest of tiniest.

Speaker 4 (02:13:47):
Or what a standard water softener is? Twenty four thousand
grain three quarters of the cubic foot you know, can
cover you know, majority of the houses. Now, if you
have you know, six bathrooms, that's a different story. No, okay,
so we're talking about most houses. And yeah, he doesn't
do bats.

Speaker 2 (02:14:03):
What do you think Suzanne loves about our system from
Paul better than anything else you might have heard me
talk about it.

Speaker 19 (02:14:09):
No, I'll tell you no.

Speaker 2 (02:14:10):
No water spotting her hair, Oh for sure. Which why
is that though? I mean my hair doesn't.

Speaker 11 (02:14:16):
Because the minerals stay in your hair. Absolutely, they stay
in your hair and good for your hair. Yeah, Well,
it's good for everything because you don't have it all on. Yeah,
And it's good for your plumbing, and it's good for
and water spotting.

Speaker 19 (02:14:29):
You're gonna notice that washing your fricking car.

Speaker 11 (02:14:32):
I mean, it's amazing that the small stuff like that, right,
And I'm surprised he hasn't mentioned laundry. It's it's gonna
be both, yeah, all right, three zero three, Martito, don't
forget that number works on and off the air.

Speaker 2 (02:14:45):
Help at troubleshooter dot com. We'll be back with you
tomorrow