The Troubleshooter 1-27-25

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped up bad news, didn't need advice.

Speaker 2 (00:09):
Who you don't have to.

Speaker 3 (00:12):
Come running just as.

Speaker 4 (00:14):
Fast as we can.

Speaker 3 (00:16):
Shoe Shooter's gonna help come.

Speaker 5 (00:20):
This is the Troubleshooter Show. No Tom Martine, Hey.

Speaker 6 (00:26):
Hey, hey, I'm here solving problems, answering questions, taking complaints,
and making your life just a little easier. Now, I'm
sure I have Mark on he just what's up? Just
texted me? Mark? Did you ask about your video in
the studio?

Speaker 7 (00:43):
Uh?

Speaker 8 (00:44):
No, I just didn't see any video at all.

Speaker 6 (00:47):
Do you see it now?

Speaker 7 (00:48):
Oh?

Speaker 6 (00:49):
I didn't start it. Oh my god, that would experin
You're right, Mark, Mark. No jokes, Oh, you can't do
Biden jokes anymore because he's not in office. No, so
do a Trump joke on me. I'll be I wouldn't
mind being called as smart as Trump. Gosh does he use?
He's the new poker player when it comes to tariffs,

(01:09):
isn't he?

Speaker 8 (01:09):
Oh you see how we handled Columbia?

Speaker 6 (01:12):
Wow? Oh my god? Did did did they did they
like turn? Did they turn?

Speaker 9 (01:18):
Or what?

Speaker 2 (01:19):
Oh?

Speaker 6 (01:19):
By the way, guys, we are streaming now. I apologize
for everyone. We are streaming now. No panics. Three oh three,
seven one three talks seven one three two five five
That was my bad and Mark, you're right, man, Holy crap.

Speaker 8 (01:36):
It was like it was like, uh, it was instant.

Speaker 4 (01:40):
He's like twenty five percent. We're gonna kill all your visas.
You're not gonna be able to travel. We're gonna screw
with your embassy. And that's right now. Next week we're
gonna do more.

Speaker 6 (01:52):
Anyway, let's uh, let's.

Speaker 4 (01:53):
Know, you forget really quick. People do forget how powerful
we are as a nation. Everybody else depends on us.
We have all the power right here in the good
old USA.

Speaker 6 (02:05):
Well, we have all the consumers. I mean, we have
most of the consuming public basically, even though other countries
have billions of people.

Speaker 10 (02:14):
Do you know how many overseas bases we have, Tom.

Speaker 6 (02:18):
How many?

Speaker 11 (02:18):
About eight hundred?

Speaker 6 (02:21):
Really? Wow? By the way, today I have water pros
with me. And he seemed a little pensive, a little
pista uffing. He says, you know, Tom, here's what he
said to me. Do you know how like you get
upset when just the same scams happen over and over

(02:42):
and people are like getting ripped. He said, I'm kind
of like that. I'm just sick and tired of it.
And what he's sick and tired of are forever chemicals
in water. And we're going to talk about that coming up.
But I think I summed that up, Paul. If you
had to say yes or no, absolutely correct. You're pissed off.

Speaker 11 (03:05):
It's been going on for fifty years and it's been
one of the biggest cover ups in society today.

Speaker 6 (03:11):
I know, you know what. It's funny how how we
pay so much attention, like I said, too, eating organic
stuff and now cage free chickens and beef and no
antibiotics and that's all good, but then we ignore water. Hey, Tim,
what's going on in your life? Tim? Let me let

(03:32):
me get right to the callers as usual? Three oh
three seven one three talk seven one three A two
five five Major Mark Major at the mothership along with
deputy Doc. I heard who else is in? What other
deputies are there?

Speaker 7 (03:44):
No?

Speaker 8 (03:44):
No, I'm at home, brother.

Speaker 10 (03:46):
I'm here. Tom.

Speaker 6 (03:47):
Oh you are okay? Well, somebody turn on a camera
and we'll bring other people in. Mark if you want
to turn on the camera anyway. So, Tim, what's going
on with home Depot?

Speaker 7 (03:58):
Well, good morning, Tom, Hey, listening to you for forty
five years and the first time I've called thank you,
not too bad.

Speaker 6 (04:06):
Thank you. I hope you can listen to another forty
five We'll see.

Speaker 7 (04:11):
You and me bo. Hey. So I've got a nightmare
going on. I purchased a trader at home depot on
December fourth. I canceled the order because I found a
better deal on the fifth. No big deal, it was
all online. I canceled it. A little bit of a

(04:31):
nightmare on the delivery stuff, but all said and done,
and yeah, he asked me the questions.

Speaker 12 (04:37):
But I get you.

Speaker 6 (04:39):
You ordered and canceled. So when was it canceled?

Speaker 7 (04:44):
It was canceled the next day, twelve five?

Speaker 6 (04:48):
Okay, so what's going on man?

Speaker 7 (04:51):
So you know, everything was delivered, all fine and dandy.
They could not cancel it. It had to be delivered.
Once it was delivered, then they had to set up
a pick up. That was another twenty day nightmaret. No biggie, Okay,
I got mad and all said and done.

Speaker 6 (05:06):
Oh wait, so you did you did take delivery? You
did take delivery.

Speaker 7 (05:12):
Yeah. I was forced to take delivery because it was
all in motion. But that didn't happen until about the.

Speaker 6 (05:18):
Ten final Oh, so it didn't even come until twelve ten.

Speaker 7 (05:25):
Right, and then they came and picked it up finally
on the thirtieth of December, and that's when the refund
was initiated. Well, because they initiated the refund, PayPal never
did get the refund. I called PayPal. They said, well,
that's home Depot. They've got to give you the refund.

(05:46):
I called home Depot. We don't we issued that refund.
They said, well, do you ever receie.

Speaker 6 (05:52):
Now you paid? You paid through PayPal, yes, sir, and
pay and so normally the way it works, normally the
way it works if you pay through PayPal, they refund
through PayPal normally.

Speaker 7 (06:09):
Yep.

Speaker 6 (06:11):
So what went wrong?

Speaker 7 (06:12):
Man? But it just just all went wrong. I can't
get my money back.

Speaker 6 (06:17):
There's like, here's what I want to know. This is important.
This is important. Does home depots say that you are
entitled to a refund, that's the first thing.

Speaker 7 (06:30):
Yes, And I've got a money trail. Okay, they gave me.

Speaker 6 (06:34):
Listen, I don't care about that. One question. They acknowledge
you do a refund, so that's good. Number Two. Do
they acknowledge that they sent a refund through PayPal?

Speaker 7 (06:46):
Yes?

Speaker 6 (06:48):
They sent a refund to your PayPal account. Yes, Now
if you go in and check your PayPal account.

Speaker 7 (07:01):
Yeah, I'll pause right there. They they acknowledged to me
they sent it. They gave me paper that they sent it,
and that's all I've got in PayPal saying we don't
have nothing.

Speaker 6 (07:13):
Did they say they sent it to your PayPal account?

Speaker 7 (07:19):
Yes, they did, they said they.

Speaker 6 (07:23):
Okay, so you pay Pal, I'm going to ask again, Tim.
They specifically said, they sent the refund to your PayPal account, correct,
but your PayPal account is not showing a credit.

Speaker 7 (07:43):
Correct.

Speaker 6 (07:46):
Okay. Now PayPal says.

Speaker 12 (07:49):
What.

Speaker 7 (07:52):
So the PayPal is only showing the transaction, and so.

Speaker 6 (07:56):
I said, got it?

Speaker 7 (07:57):
Dispute the dispute when.

Speaker 6 (07:59):
It shows the payment but not the refund.

Speaker 7 (08:03):
Right, And so they declined it. I escalated and I said,
to you guys are saying, okay, great transaction, that's fine
and dandy, but I need my refund, when they're like nope, okay.
So then I called Home Depot back on Friday and
I'm like, I don't understand. I go, did they call

(08:25):
you you?

Speaker 6 (08:25):
But before you go on, here's what I want to
know is PayPal normally with a friendly transaction where a
credit or refund is issued. They don't dispute the charge.
But before I understand why you did it, here's my question.

(08:47):
Does PayPal say they've gotten nothing from home Depot?

Speaker 7 (08:55):
That's correct, that's what they say. Okay, all right, And
so when I when I initiated my dispute, they said
they got a hold of home Depot. I called home
Depot and they said, we don't have no record of
a PayPal even contacting us.

Speaker 6 (09:13):
How do you fund your PayPal account?

Speaker 7 (09:18):
Well, there's two ways that you can fund it through
your credit card. You can fund it through your bank account,
or you can fund it through PayPal credit. And that's
what this was.

Speaker 6 (09:27):
How did you fund it.

Speaker 7 (09:29):
Through PayPal credit?

Speaker 6 (09:33):
Okay? So PayPal credit shows you, oh, how much.

Speaker 7 (09:39):
Sixteen eighty four one six and eighty four dollars?

Speaker 6 (09:48):
Okay? Do you have anyone you can talk to a PayPal.

Speaker 7 (09:54):
No, it's a it's a different it's it seems like
it's an offshore, and so I get somebody different each time.

Speaker 6 (10:03):
Yeah, and nobody's listening to you. Here's where I believe,
Here's where I believe the mistake is. Here is where
I believe the mistake is with home Depot. These people
do not know how to credit PayPal. I'll guarantee it
because PayPal would have no reason not to just wipe

(10:28):
it out. They would have no reason. They don't care.
Now PayPal is a wrinkle. I don't like PayPal. Sucks. PayPal,
what was supposed to make payments better is the worst.
It adds another layer of red tape. It is the
worst it is. But I don't believe home Depot issued

(10:51):
a credit properly. You said they sent you a bunch
of stuff. What did they send you?

Speaker 7 (10:57):
They just sent me a receipt that shows and let
me I should have prefaced by saying in that first
transaction that I did, it was the grill and a cover.
The cover was at the store. They refunded that right away.
I've got that receipt. It shows that the one hundred
and fifty one bucks. But then because it's the order

(11:20):
of an off site order of the grill, that's what's
in hiccup right now. So they sent me that paper trail.
I see it. You can view it on the receipt.
And then right there they've got refund PayPal and that's it.
And a transaction ID PayPal does not.

Speaker 8 (11:40):
So if you give that transaction ID to PayPal, what
do they say?

Speaker 7 (11:45):
I gave it to them, I inserted it. You know
where you create that that appeal and they still denied it.
They said the transaction looked good, and they only it
was good.

Speaker 6 (11:58):
It was good. Disputing is not the way to go.
Hold on a second, I'll have.

Speaker 4 (12:03):
I'm saying on the refund one where you have something
showing they refunded it to PayPal. Did you give them
that transaction number?

Speaker 7 (12:14):
Yes, sir?

Speaker 8 (12:15):
And what they say?

Speaker 7 (12:16):
And they they said, we don't have that.

Speaker 6 (12:19):
Okay, all right, hold on, I have some ideas. Three
oh three seven one three talk seven one three eight
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(12:42):
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two zero sixteen twenty two. I'm Tom Martino, your troubleshooter.
Three oh three seven one three talk seven one three
eight two five five. Does anyone have any ideas? By

(13:03):
the way, you can always text me. You know, I
have an exclusive text line that comes right to my
cell phone seven four seven nine nine nine fifty two
eighty seven four seven nine nine nine fifty two eighty.
You can text me there about anything about the show,
any consumer problem, any personal problems you're having. You know
that you need input and my financial advicement firm i'l

(13:25):
if you have questions about that or need help or
want to talk to me about that, we can do that.
So it's really an all purpose text line seven four
seven nine nine nine fifty two eighty. Mark, what suggestions, man,
do you have for this PayPal? I think it's home
deposts problem, but I'm not positive. I just think it is. Now.
The first refund went through for that partial refund when

(13:49):
he returned something, but the second one didn't. Do you
have any ideas, Mark?

Speaker 4 (13:53):
Well, how long does it take for them to receive
that item back? First of all, I don't know how
the timeframe was. So they came out, they picked it up,
they receive it. Then I assume at that point they
go ahead and issue the refund and then from that point,
from what I can find, it can take anywhere from
one to seven days.

Speaker 8 (14:12):
So what is the timeframe of when they.

Speaker 6 (14:14):
Picked it up?

Speaker 9 (14:16):
Do you?

Speaker 13 (14:16):
Guys?

Speaker 7 (14:17):
Yeah?

Speaker 14 (14:17):
I think Marcus got a really good point. They're going
to process the refund. I mean, they're going to process
the return, look to see if anything is missing.

Speaker 8 (14:24):
But what I would do?

Speaker 14 (14:25):
The first thing I would do, and if you, if
you assign this case to me, my first step would
be to actually call the store manager that the nearest
home depot. Actually I would I think our callers should
show up over there with all his paperwork and say, look,
this can't be the first time you've heard of a
problem like that. What do you typically do?

Speaker 11 (14:42):
You guys got it back.

Speaker 14 (14:43):
Here's the receiving report, here's the acknowledgment that I'm doing refund?

Speaker 8 (14:47):
Where is it?

Speaker 14 (14:48):
Can you help me out with this? That manager probably
deals with us all the time.

Speaker 15 (14:53):
I like his idea.

Speaker 8 (14:54):
Can I go?

Speaker 4 (14:55):
I'd reach out to the district office, not the notest
store manager.

Speaker 14 (15:02):
Yeah, read, that's a really good way to escalate.

Speaker 6 (15:05):
Let's let's have Deputy D help you out.

Speaker 7 (15:07):
Bro Okay, Okay, yeah, no, that sounds good because this
is an online so it has nothing to do with
the store, which was my son lives down on the
Springs in which.

Speaker 6 (15:20):
I ordered for and that's so online, so there is
no particular store that's right.

Speaker 7 (15:27):
And I'm like, I said, you you always say follow
the money, right, and I get the trail and I
see the once they picked it up, that was kind
of infuriating on how long it took them to pick
it up. But on December thirtieth, when they picked it up,
that refund was initiated. I'm looking at their money trail
in front of me at one o three PM, says refund.

(15:49):
It's got looks like what would be my account and
a transaction number and minus the sixteen eighty two oh three.

Speaker 6 (15:58):
I don't, okay from what I'm I'm seeing and from
what I'm seeing with PayPal, listen with PayPal credit. Here's
what I'm seeing that the timeline normally for a refund
is five to ten days for normal refunds to show up.
But when you add on top of that that you
you basically got a loan from PayPal. So here's what

(16:19):
has to happen. The credit has to come on five
to ten days. That credit then is sent to the
credit department, not to your normal PayPal account. They have
to process it and literally cancel what is like a loan,
which adds another twenty days, so that would be a month. Now,
I'm not saying they're doing it, by the way, and

(16:41):
I'm not saying sit tight. We're still going to look
into it. But when you have PayPal credit on top
of a refund, the refund goes to your PayPal account,
which is sent to PayPal credit. PayPal credit cancels that loan.

Speaker 8 (16:56):
Well has a second too.

Speaker 4 (16:59):
I mean, the whole started this though, was when Trager
receives that grill back or that smoker back. So I
don't know how long it takes for Tregay, Okay, we got.

Speaker 6 (17:09):
Wait wait wait, I'm sorry, was I mistaken he didn't
buy a trailer. I thought he said trailer. I'm sorry, Tragger, grill,
what smoker? Okay, okay, well it does matter, so so
same thing. I mean, yeah, so okay, what do you think?
Then we wait a little No, we give it to
Deputy D. But D keep in mind it could be

(17:30):
a thirty day process anyway. But the fact the thing
that bothers me. Is that they say they don't even
see any adviceive credit. What were you going to say?

Speaker 7 (17:42):
I just wanted to tell you that when I told
you I changed my mind. I went to as Oh,
by the way, did it really good? Because I ordered
the grill we received it it was too small?

Speaker 6 (17:52):
Yeah, but that has nothing to do with anything, and
that has nothing to do.

Speaker 7 (17:57):
I know, sir. But when when I anseled that the
refund came through PayPal immediately, that within five.

Speaker 8 (18:06):
Minutes because you returned it to the store.

Speaker 7 (18:08):
Bro Okay, fair enough, Yeah, fair enough?

Speaker 6 (18:12):
Hey Tim, Tim, don't ever call me sir again, ma'am. No,
call me your highness, Hey Tim. We're going to put
it through to Deputy d hold on, all right, Bro.
Joseph wants to know about collecting a settlement or an issue.

(18:34):
Hey Joseph, I'm going to take you after the break,
but I need to know something. What's the settlement we're
talking about? Is this something from a lawsuit or watch?
Just explain the settlement first.

Speaker 13 (18:44):
Okay, it was I was in a car accident back
in twenty one two of December. Oh settled, It had
settled ten months ago, and the settlement was supposed to
go to my bad child support.

Speaker 6 (19:01):
Wait wait, wait, and it was settled ten months ago.
Did you have an attorney?

Speaker 7 (19:06):
Yes?

Speaker 6 (19:08):
And what is your attorney saying? The money? Where's the money?

Speaker 13 (19:13):
Hold an attorney? Every time I called them, they never
returned my call.

Speaker 6 (19:18):
So wait a minute, let me get this straight. Joe,
you've never seen the money and they said it was
settled ten months ago. How much money did you have coming?
Tell me about the settlement?

Speaker 13 (19:30):
Twenty two?

Speaker 6 (19:34):
What did he get disconnected?

Speaker 7 (19:39):
Yeah?

Speaker 14 (19:39):
We got cut off from Joe?

Speaker 6 (19:41):
Joe bro did he hang up? Joe? How much money
was the settlement? How much was the settlement?

Speaker 13 (19:50):
Twenty two.

Speaker 16 (19:52):
Four hundred?

Speaker 13 (19:53):
Okay, three dollars and some change?

Speaker 6 (19:56):
So twenty two four hundred? Basically is that the whole settlement?
Or you're part of it?

Speaker 13 (20:03):
Settlement three thousand?

Speaker 6 (20:06):
Get them, We have to reassig. I'm not going to
do this. We need to get a better connection. Three
O three seven one three eight two five five. I'll
talk to him after this if he can. If he
can talk, I don't know if it's our fault or his,
but I can't hear anything he's saying. I know he
said something about twenty two four. I don't know if
that's his share. I don't know if that's the whole settlement.
I need the whole settlement. What is his share? It's

(20:28):
in the attorney's trust account. The attorney can be disbarred.
I also want to get John Fuller on to address this.
As an attorney expert, he has nothing to do with this.
Three oh three seven one three A two five five
eight eight eight. Heating dot Com call him for a
high efficiency replacements of heating and air. They're great people.
I'll tell you a little more about him coming up.

(20:49):
But they have the guaranteed lowest prices eight eight eight
Heating dot Com. Hey, I'm Tom Martinez, your troubleshooter. Three
O three seven one three talks seven one three eight
two five five. All right, let's talk now. I have
John Fuller as my expert here. He's he's actually our

(21:11):
accident expert. He really is and has been that for years.
Also one of the few you can talk to before
you hire him and ask him about accidents and stuff.
And then after you hire him, you get you get
a cell phone number you can call her text John Fuller.
Joseph is telling us that his accident was settled ten
months ago, and Joseph, come on up again, and here's

(21:36):
the problem. So ten months ago you signed all the settlements.
What was the total settlement and how much was your share?

Speaker 13 (21:44):
The total settlement was forty thousand dollars and my share
was twenty two thousand, four hundred and fifty three dollars.

Speaker 6 (21:53):
Okay, So basically forty thousand and then your share. And
obviously there were probably some expenses or whatever. But does
that does that sound first of all, John Fuller, that
doesn't sound out of whack, does it? Or does it?

Speaker 17 (22:08):
No, it's possible. It sounds like he has an attorney involved.

Speaker 6 (22:13):
Yeah, So now here's what he says. Here's what he says.
Since that settlement, he's not hurt anything. That money was
supposed to be sent to child for his back child
support and and you know, Joseph that they did not
get that. Is that correct?

Speaker 13 (22:31):
Correct? I just got off the phone with them this
morning to again, and.

Speaker 6 (22:36):
You're talking about them meaning the registry it was going
through or was it going through your wife directly?

Speaker 13 (22:43):
No child support registry?

Speaker 6 (22:47):
Okay, now just you.

Speaker 13 (22:48):
Know, yeah, Colorado child support.

Speaker 17 (22:54):
Okay, So there's a number of issues here. Tom that
that could be going on, and I don't know the caller,
and I don't know the caller's attorney, but just speaking
generically about cases like this, we have certain parties out
there that have a priority over settlement proceeds. One of

(23:14):
them is always going to be child support enforcement. Many
times it's in different states and we have to deal
with them. Sometimes it's here in Colorado. Sometimes we're able
to negotiate with them, depending on the circumstances and the
time frames and all that stuff, and it's a very
very very slow process. Other times, we have more of

(23:37):
your statutory type bodies like Medicare and medicate that also
have a right to get paid back out of the
proceeds of the settlement, and any competent attorney is going
to work diligently to get every loose end tied up
before they actually distribute that money and call it a
done deal. I can only assume that the process of

(24:00):
negotiating and dealing with all of these leans and statutory
and you know, other people that are entitled to have
their interest concerned or considered and protected, are what's taking
all this time to get this case worked out and
finally distributed does that sound like it may?

Speaker 7 (24:17):
Now?

Speaker 17 (24:18):
Do you call her?

Speaker 6 (24:19):
Of course? Total sense? I want to ask a few
questions to Joe first, Joe, Joe, just wait? Do you
have a judge? Joe? Do you have a judgment against you?
From the child support registry or from your wife? Ex wife?

Speaker 13 (24:34):
Uh? I think it is. I'm not sure.

Speaker 6 (24:40):
How much is the total? How much is the total
bill owed.

Speaker 13 (24:43):
For past thirty one thirty one thousands?

Speaker 7 (24:46):
Oh?

Speaker 6 (24:47):
Oh, this will make a good dent in that. Have
you been keeping current with the current one? Have you
been keeping current with the current one?

Speaker 13 (24:54):
Joseph, Yes, I've been trying.

Speaker 6 (24:57):
Okay, I'm sorry, John, go ahead, what were you going
to say? So?

Speaker 17 (25:01):
Just that amount alone tells me exactly what's going on.
There's not enough money in the settlement to pay off
the child support lien, so probably what's happening is they're
trying to negotiate to allow some of the settlement proceeds
to go to your collar and some to go to
the child support enforcement. It's not really relevant whether there's
been an actual judgment rendered on this time. It's a

(25:24):
statutory lean the They have a stronger position than even
a judgment when it comes to money going to this gentleman,
be it money from tax returns or any other source.
It's like a ucee see filoce. Okay, that is a
perfected interest.

Speaker 6 (25:42):
So but let me ask you. It sounds to me
from what Joe is saying though, that there was no negotiating.
He already relinquished it and agreed to relinquish it. Now
that's what I heard, or Joseph, could your attorney be negotiating.

Speaker 7 (25:57):
No.

Speaker 13 (25:57):
They they told me that it was going to my
child support and I said, fine, I'm good with that
and everything. But for ten months now, child support hasn't
seen that money. Every time I called the attorney to
see what's going on with it, they never returned my

(26:18):
phone call.

Speaker 6 (26:20):
Okay, that's bad. But Joseph, another quick question. Did the
child support registry or the mother of your children did
they put a lien on the lawsuit?

Speaker 17 (26:32):
No, they don't have.

Speaker 13 (26:35):
Yeah, okay, no.

Speaker 6 (26:36):
I understand, John. I'm just curious as to why it's
and limbo. Go ahead, Johnson, Way, I be there. Yeah,
I understand that, but sometimes in divorces people get crazy.
I just wanted to know if there was anything that
could be hanging it up, John, I want to ask
you something. This attorney's not returning his freaking call. That
alone bothers me.

Speaker 17 (26:58):
It others me as well. And I you know, I
would like to know, not on the air, who this
attorney is, because you know there are circumstances that would
help explain that. But I mean I would start communicating
and writing. I would send a certified letter stating I
demand an accounting of my case immediately and send it

(27:20):
to the law firm and get a return receipt and
everything else. Or just show up and knock on the
front door and see what's going on. You are always
in titled. And if none of those efforts really accomplish anything,
call Attorney Regulation. I mean, they have an entire staff
that's out there to deal with consumer problems. And I

(27:42):
promise you if your call is not getting returned, their
call will. And so that you know those two or
three different ways, I believe with.

Speaker 6 (27:50):
John, what is the name of that? What is the
name is that? Is that the Supreme Court Oversight Committee?

Speaker 17 (27:56):
You're talking about Colorado Supreme Court Attorney Regulation Office of
Attorney Regulation.

Speaker 13 (28:03):
Okay, so my question is this is not here in Colorado.
My actually it wasn't here in Colorado. It was when
I was living there.

Speaker 6 (28:11):
Okay, that's burying the lead. Where was it? Where is it?
Where was it?

Speaker 13 (28:16):
It was in Weatherford, Texas, the attorney's office. The attorney's
office was in Fort Worth.

Speaker 17 (28:25):
Okay, Well there's there's also a similar office in Texas.
And if you want to, you know, if you want
to tell you what, if you want to call my office,
I'll look up the number for you and give it
to you. They can give you my office number off
the air, and I'll be happy to look it up
for you. And and if I can't give you some guidance,

(28:46):
but you know, absent and that probably explains it. They're
sitting here dealing with an out of state out sport
Lean and there's probably a whole lot going on in
terms of negotiating and dealing with that. But you're absolutely
entitled to an answer, and attorney regulation will help you
get that answer, and I'd be happy to help you
find the right number.

Speaker 12 (29:07):
All right, I agreed.

Speaker 6 (29:08):
Now, here's John's John Fuller. Here's John Fuller. Here's John
Fuller's number three oh three five nine seven four five
zero zero, And Kachina just get his number, so he
knows John will know who's calling, although anybody can always
call John for basically any kinds of questions regarding your accidents.

(29:30):
So that's three, three, five, nine, seven, forty five hundred
more coming, Hi, Tom Martino, your trouble shooter three oh
three three talks seven to one three eight, two, five five.

(29:53):
I got a lot of texts. Since we're toward the
top of the hour here, let me just ask Paul
some questions real quick. Paul, I'm gonna put you on camera.
Don't pick your nose anyway. Truly, we have a lot somebody.
Let me just go to what I feel are some
of the basics. What where do p F A, p
F A S or p fis, What are they? Where?
Where do they come from?

Speaker 11 (30:12):
Forever chemicals? Uh, they were forever chemicals that were used
to make teflon or Scotch guard.

Speaker 6 (30:17):
Is it is it that totally that any anything.

Speaker 11 (30:21):
Has a water resistant water repellent?

Speaker 6 (30:24):
But well, did they just dump the are they still?
Are we still producing new pfas.

Speaker 11 (30:29):
We're still producing new p files. They have up to
this year to stop.

Speaker 6 (30:33):
But what's happened was so so wait when they when
they manufacture plastic. Is it the plastic that leeches from
the product or is it the manufacturing process. I'm not
clear on it.

Speaker 11 (30:43):
So it was dumped, so a lot of the chemicals
were buried underground that leached and it went into waterways
like plastic bottles and stuff plastic bottles, but the actual
chemical p fischem okay, okay. And then what happened is
the manufacturers dumped the p FIS chemicals down the drain
and it can tamine. They did wastewater treatment plants, so
then the bio solids, right that come from waste treatment

(31:04):
plants went overspread over the farmland, so we got contamination
on farm ground, the animals that and.

Speaker 6 (31:09):
Then it got in the water cycle and literally is
in rain.

Speaker 11 (31:12):
Well exactly, it's all over the world. And then you
have other nations like China and India that don't care,
and so you know p FOZ has traveled, you know,
globally through rainwater.

Speaker 9 (31:23):
Wow.

Speaker 6 (31:24):
So okay, that one other quick question.

Speaker 4 (31:28):
Well, and it's in our it's in our food and
it doesn't matter what you eat. Well, okay, can we
ever really get.

Speaker 6 (31:35):
Rid of them?

Speaker 11 (31:35):
No, let me tell you, let me give you now.
When they first started, they talked about one part per
billion and one part para billion men Olympic sized swimming pool,
swimming pool, one drop of the contaminant. That's one part
per billion. Now they've got it down. They wanted to
get it down to less than four parts per trillion.

Speaker 9 (31:52):
Now there's well.

Speaker 6 (31:52):
They want to get it down, but is it possible.

Speaker 11 (31:55):
As of right now? There's theories, but it's not possible.

Speaker 6 (31:58):
And that's what what does your system do for pi fas?

Speaker 11 (32:01):
So we remove the pfas because we use the multimedia,
we use KD fifty five and activated carbon.

Speaker 6 (32:06):
But I want to make this clear. The PIFI removal
is not reverse osmosis. Two separate processes. So reverse osmosis
gives you healthy water, but it does not remove people.

Speaker 11 (32:16):
Yes, it does a Ruth PIFAs it does, but.

Speaker 6 (32:20):
Not but you can't do that for the whole house. Okay,
so you do get it for the drinking water, but
not the whole house. It would be cost prohibitive. We'll
talk about this coming back.

Speaker 3 (32:30):
Yeah, ripped.

Speaker 1 (32:37):
News, so you don't have them running sustasis.

Speaker 3 (32:44):
We can show Shooter's gonna help come in.

Speaker 5 (32:49):
This is the Troubleshooter Show. No, Tom Martino.

Speaker 6 (32:55):
Hey, I'm Tom Martino, and I welcome you to the
only show of it's kind anywhere. We got a lot
to talk, so let me get to the phones because
phones always take priority on my show, and then I
will talk to Paul. We got a lot of text
on pfas and water. People are finally waking up and realizing.
One good thing I did learn, by the way, is
that the reverse osmosis system does take out pfas for

(33:17):
the drinking water, and it's at the kitchen sink. And
he sells them for under like eleven hundred bucks, but
with the best price anywhere. But here's the bottom mine. Though, Listen,
it would be cost prohibitive to do that for the
whole house. So we'll talk about getting it out of
your shower and all that stuff, or if it matters,
I don't know. I mean, well, we'll talk about it anyway.
Francis is next. Hi Francis, I'm Tom. What's going on, Francis?

(33:40):
And I appreciate you holding what's happening.

Speaker 13 (33:44):
Well.

Speaker 18 (33:45):
Purchased Toyota Camra twenty twenty five on December show.

Speaker 6 (33:50):
Okay, though, wow, that those are nice cars.

Speaker 18 (33:55):
Yeah, it is it's a very nice car as long
as it's working.

Speaker 6 (33:58):
Wow.

Speaker 18 (34:00):
What on what January? Yeah, on January fifteenth, I went
to remotely start the car. Tried it three times, it
wouldn't work. Went out to the car, tried to start
it twice. It finally started, and then the dash was black.
Nothing work.

Speaker 6 (34:17):
Wait wait wait you mean you mean all the lights
were black?

Speaker 9 (34:21):
Yeah, and it.

Speaker 6 (34:24):
Doesn't work all the time.

Speaker 18 (34:27):
Well, this was just a new thing. It was you know,
it had worked before. There was you know, I've had
a couple of little issues, but no big deal. But
so I thought it was the liquid crystal. Could it
have been? It's been freezing cold.

Speaker 6 (34:42):
So yeah, well maybe let.

Speaker 18 (34:45):
Me warm the car up. Let me see if it's
going to do that. And I drove for like eight miles.
Of course I can't see anything that's going on, and
I said, okay, it's not doing anything.

Speaker 13 (34:56):
Go back, look through the book.

Speaker 18 (34:58):
What did I do wrong? And there's a dimmer switch
on the dash lights that isn't debt. I then get
on the phone with Colorado Springs Toyota, which is where
it was purchased, and spent two hours on the phone.
They have no idea how to affix it. They told
me all kinds of things to try. Nothing worked. They

(35:21):
towed it to the nearest Toyota which is here in Pueblo,
and they did a diagnostic.

Speaker 6 (35:27):
No, wait a minute, wait a minute, which is the
where do you bought it? In Colorado? I mean in
the springs right.

Speaker 18 (35:33):
Correct, But it has to be towed to the nearest
Toyota dealer. It cannot go back.

Speaker 6 (35:39):
I got it, Go ahead, I got it.

Speaker 18 (35:42):
So they did a diagnostic the next day because it
was late in the day when I got it there
on the fifteenth. They said it was a compo meter,
which is basically runs the whole computer system in the
dash in everything else.

Speaker 6 (35:59):
Call it what do they call it?

Speaker 18 (36:02):
A comple meter? That's what he told me it was called.
The issue is they can't pull that part off the shelf.
They don't even have it. They have to make the part.
It has now been eleven days, I believe.

Speaker 6 (36:24):
Yeah. This control module, this control module is the master
of everything.

Speaker 18 (36:31):
Yes, okay, from under.

Speaker 6 (36:34):
They say, so right now, if you drive your car.
Are they saying just drive your car around, we'll call
you when we find one, or are they saying you
can't drive? What's the situation.

Speaker 18 (36:44):
It is sitting in their lot. They have stated to
me emphatically, it cannot be moved. It has to stay.

Speaker 6 (36:53):
Because okay, I just want to say something. We have
had Mark, I'm lying or I'm dying. It is how
many times, Mark, come on, we've had a ton of
a ton of stuff back ordered. What I don't understand
is she said she didn't say back order. My understanding.
She was saying, they don't make the part exactly.

Speaker 8 (37:17):
Well, I don't even know what the hell that means.
Of course, they make the part.

Speaker 6 (37:20):
Wait wait, wait, wait, So what do they say, we
will never fix your car because we no longer make
the part. Is that what they're saying.

Speaker 18 (37:28):
All they said was that the part has to be made.
They don't have a part that they can pull up.

Speaker 6 (37:36):
So here's what normally happens. Here's what normally happens with
what you call rare parts, parts that are not replaced.
Often normally they put it into a bin order and
when they reach a certain number, they manufacture that. That's
usually what happens. Now is that acceptable or not? I

(37:57):
don't think so. But that's what they do for cost
of you know, just and because no one does the
one ups, you know, and so when do they say
that would be done?

Speaker 18 (38:09):
Francis, They don't have an ETA.

Speaker 6 (38:13):
You know what.

Speaker 4 (38:14):
First of all, I got to interrupt here. They're basically
saying it's back ordered. I mean, that's what they're saying.
We can't believe that they've got to literally design and
make a part.

Speaker 6 (38:25):
They don't design it, Mark, they just batch run them.
When they get enough, they batch run them.

Speaker 9 (38:32):
Okay.

Speaker 6 (38:33):
So here, I'm not making an excuse, nor do I
say I would. I would sit back and take it.
Mark mentioned the Lemon law. Mark, explain what you were thinking.

Speaker 4 (38:46):
Well, thirty days. If you don't have use of that
vehicle for thirty days, you can start the process. I mean,
it's pretty simple like that. It's got to be under
twenty four thousand miles.

Speaker 6 (38:56):
Yeah, okay, oh yeah, go ahead.

Speaker 4 (38:59):
It's got to be under twenty four thousand miles and
within the first two years, and you have to be
the original owner. It's got to be a new vehicle. Yep, yeah,
I know, So you're good. That's what I'm saying. As
soon as you hit thirty days, that's it. You can
go in and get a refund.

Speaker 16 (39:19):
Okay.

Speaker 6 (39:20):
I think you can. I think you can some a
buy back. Now, Unfortunately, many of the Lemon laws are
handled by what's called the autocap program from the useless
dinosaur known as the Better Business Bureau. But I have
to give credit where credit is due. They do process
the Lemon Law claims. I mean, that is one of

(39:41):
their last remaining functions I think they do. As far
as complaints and helping consumers, they don't do any of that.
They're a dinosaur. But they do the Lemon law claims
pretty well. And I think that's because they outsource it.
It might be to the Arbitration Society or something, but anyway,
I might be speak out of school. I'm saying that

(40:02):
they do help. But I think Mark hit it on
the head with the Lemon Law. I mean, you're going
to demand a buyback or a new car?

Speaker 18 (40:10):
Yeah, I mean. And the other issue that I'm having,
you know, kind of a just on the sideline, is
that they gave me a car, not a car, but
a pickup a Tacoma to drive. Now my car gets so.

Speaker 6 (40:23):
Hold on, hold on, are they proposing letting you use
a loaner for a long extended period of time.

Speaker 18 (40:33):
I'm going to say no, because she said the lady
told me at three days. We're going to have to
rewrite this to extend the timeframe. I'm going to say,
before the thirty days is up, they're going to want
demand to have that truck back.

Speaker 6 (40:48):
I don't know that, okay, but we don't.

Speaker 12 (40:51):
I'm going to say, we don't know that.

Speaker 6 (40:52):
Let me ask you another silly question. Let me ask
you another silly question. Let's I always like to go
to extremes just to get taken temperature. Let's say it's
going to be let's say it's going to be eight
literally eight months to a year. Let's just say, I mean,
I don't know it is. Would you, I'm not Would

(41:12):
you be satisfied with a loaner vehicle if you knew
you could get your car fixed eight months to a year,
but you were given a loaner vehicle at no cost?

Speaker 7 (41:23):
You?

Speaker 6 (41:25):
No, okay?

Speaker 18 (41:27):
And that is for what the reason is is I
have to make payments on this.

Speaker 12 (41:31):
I have to get.

Speaker 16 (41:32):
To place by the end of this week.

Speaker 6 (41:34):
I get it, and I get it. Here's all I'm saying, Francis,
I'm not trying to talk into it. You have every
right not to want to wait. Every single right, We're
on your side. Everyone agrees this is wrong, but my
reasoning has always been this. If I have a new
vehicle and it's sitting at a dealer protected and I

(41:57):
am given a loaner to use, theoretically, if it took
a year, I am literally not using that vehicle, and
it's still getting older. But I'm not using it. I'm
not racking up miles, I'm not doing anything except letting
it sit. And I am i am wearing out a

(42:18):
loaner and I'm making my normal payments and all of that. Sure,
I am, but I have a loaner. I am in
exactly the same position, except they don't have the car
I want. But I'm not wearing out the other one.

Speaker 9 (42:31):
Now.

Speaker 6 (42:31):
The disadvantage, of course, is that it is getting older.
I mean, it's not like it's new, and the other
one is your warranty period is expiring because they're not
going to extend the warranty. So I would say, with
this new world we have post COVID, if I could

(42:52):
negotiate an extension of the warranty for the amount of
time it's down, and if I could get a free loan,
I would accept it. I don't know how you feel, Mark, would.

Speaker 8 (43:04):
You I wouldn't.

Speaker 4 (43:06):
Hell no, man, I you know what if there you
buy a brand new vehicle, you want your car. She
went and she picked out the kind of car, the
colors she wanted, everything else.

Speaker 6 (43:16):
I mean hell no, yeah, okay, yeah, I don't think
there's a right or wrong answer. I just reason a
little differently.

Speaker 4 (43:24):
But to go through the buy back, we know that
it's a pain in the ass to go through it.
But I mean, if they can't fix it, my god.
I mean, she just paid for it, and then the
other thing, like she says, she's making payments on it.

Speaker 6 (43:38):
Okay, yeah, no, no, I understand. But if you have
a replacement, it's it's kind of like with insurance. While
you're waiting for a claim, you're still making your mortgage
payments on all that. But but listen, or let's say
you're in an apartment house and you're displaced in an apartment.
Let me let me finish my my analogy. If you're
in an apartment and you're displaced, they give you a

(43:59):
replacement of part, and while yours is being fixed and
you still pay rent. Go ahead, Mark, what were you
going to say.

Speaker 4 (44:03):
Well, if they gave her the I guess I would
change it a little bit. If they gave her the
same vehicle she has. She's got a little Camra and
they put her in a pickup truck.

Speaker 8 (44:12):
I don't quite understand that.

Speaker 4 (44:14):
But if they could actually give her that exact vehicle
for a little bit, maybe, But what happens if she
waits four or five months, they get the part, they
put it in, and it takes a crap and she's
back in the same boat.

Speaker 2 (44:30):
There you go.

Speaker 18 (44:32):
Now, like I was gonna say the truck to Meetrue.

Speaker 6 (44:35):
What were you going to say.

Speaker 7 (44:38):
Me?

Speaker 14 (44:39):
Okay, yeah, Francis, what do you think of this? While
you still have this loaner for some undetermined period of time,
start the Lemon Law buyback process. And if they can
fix your car before the Lemon Law process is finished,
that's great. If not, you'll at least two have two
horses in the race, which is waiting for the part
and waiting for the buy back to happen.

Speaker 6 (45:00):
That's a good, good, good plan.

Speaker 14 (45:02):
Start that right now.

Speaker 6 (45:03):
You can't start it until it hits the clock. But
it's fair any day now.

Speaker 14 (45:07):
It's any thirty day, how many days has it been.

Speaker 18 (45:12):
Let me see, I got it on went in on
the fifteen, just roughly.

Speaker 14 (45:16):
What okay, so you're you're getting close this This gives
you time to research the buyback process so you can
have everything fins.

Speaker 6 (45:24):
With calls as you move forward. If you need help
filing that three O three, seven to one three talks
seven to one three eight two five five. I'm Tom Martino,
and I want to tell you about renew Home Innovations.
The most beautiful shower conversions I've ever seen, and that
that's the truth. They have porcelain sheets with no maintenance,
no grout lines, nothing, They look gorgeous. And you know

(45:46):
he has the best prices on porcelain and the best selection.
Two or three days to get it done. Listen to
this seventy two months to pay no interest of course
with approved credit. Renew home Innovations dot com three oh
three nine zero four two thousand the best nine zero
four two thousand. Hi Tom Martino, your troubleshooter. Welcome.

Speaker 9 (46:19):
You know.

Speaker 6 (46:21):
Okay, let's just go to the phones. I had a
question I was going to bring up, but I won't.
I won't when I have callers. I just got to
get to them first, So we have a lot of callers. Okay,
Doug's got a tenant landlord question, So let's go right
to Doug. Doug, what's going on?

Speaker 7 (46:34):
Bro? All right?

Speaker 19 (46:37):
I have some renters. I have kicked him out about
a year and a half ago, so this is old.
But I would like to take the small claims court
to cover.

Speaker 6 (46:47):
So when you say kicked him out, did you legally
evict him?

Speaker 7 (46:50):
Yes, I did, and you.

Speaker 6 (46:53):
Did it a year and a half ago. Yes, Okay,
go ahead, give him.

Speaker 7 (46:58):
Thirty days notice.

Speaker 19 (46:59):
They got out. So and I've actually sold the place.
I don't have the place anymore. I got decided I'm
done with frinting, so I got rid of the place.
But I know what Colorado laws. It's not in favor
of the landlords, and I would like them to pay
the last month's rints. They never paid and their deposits

(47:20):
didn't cover that. Plus when they left, they broke every
door in the house. I'm guys, seeing anger issues because
the doors were that holds of them in where the
foot would have been.

Speaker 6 (47:35):
Or let me ask you something. Let me let's go
back a year and a half. Let's go back a
year and a half when you evicted them. Did you
have a judgment for that stuff or just a demand.

Speaker 19 (47:48):
As far as you get them out of the house.

Speaker 9 (47:51):
I just know.

Speaker 6 (47:52):
As far as did you keep a security deposit?

Speaker 19 (47:57):
Yeah, I did keep it the deposit, Yes.

Speaker 6 (48:02):
You kept it, and did you apply it to the
damages and send them a letter to that effect?

Speaker 19 (48:10):
I did not send them a letter to that effect.
I did tell them their deposit was not coming back,
that they did severe Okay.

Speaker 6 (48:17):
Yeah, I don't think you're going to have a prayer. Okay,
because you were supposed to notify them within sixty days
is the longest. It's thirty days, but it's extended to
sixty if it's in the lease for sixty days. You
were supposed to tell them how you applied the security

(48:37):
deposit to the damages, leaving a balance and letting them
know what the balance is, and then attempting to collect it.
If you didn't do any of that, you're not gonna
I mean now, I'm not saying you can't go after him.
You could do small claims court and try to get
a judgment, but I don't think you will.

Speaker 19 (48:57):
And send the letter to say why I kept it.

Speaker 6 (49:00):
The deposits well, it's too late, man, No, that that's
too late. You missed that. You missed that.

Speaker 19 (49:07):
I didn't realize I had to send that out.

Speaker 10 (49:09):
Dog.

Speaker 6 (49:10):
Yeah, and here's what I'm saying. You can still take
in the small claims court. Okay, for the damages. You
don't have the place anymore. You'll have to show how
you did not recoup those damages. I think you're gonna lose, okay,
but but you can still take them. The small claims
court is fifty bucks. And then if you get a judgment,
how are you going to collect it? Do they have money?

(49:31):
You know? It's the kind of stuff that I believe
is a waste of time. How much does it come to.

Speaker 19 (49:41):
With the damage the door was in the difference from
what the rent was to the closet was, we're probably
talking about about four grand I.

Speaker 10 (49:52):
Have a suggestion for Tom dog this show. I have,
but the bad rent over the last forty years, I've
never ever been able to collect from the tenant. You
do not want to pursue taking them the small small
claims court because you run the risk of them countersuing

(50:12):
you for not doing that.

Speaker 6 (50:14):
That's right for trouble damages, and you could get suits
from three times the deposit.

Speaker 10 (50:18):
I would just cut leave it alone and go on
with your life. The property sold and move on. You're
not going.

Speaker 19 (50:26):
I'm doing everything the right way or what. I didn't
want to go to court, And.

Speaker 6 (50:31):
Well you already did. You already did things the wrong way.
So what And I don't mean to keep telling you that.
So so you really kind of lost your rights to
pursue things because they could actually come after you for
whatever you kept times three.

Speaker 11 (50:48):
And they have free legal help too.

Speaker 6 (50:51):
And by the way, by the way, they would win
because it's statutory. I mean they would win basically because
what you did was breach per se, You breached the law. Okay,

(51:12):
so anyway, but you got you know what you got,
bro Doug. You know what you got? College? You got college?

Speaker 19 (51:20):
I got knowledge?

Speaker 7 (51:21):
Yeah, knowledge, college?

Speaker 6 (51:22):
College? Yeah, well you you had you paid your tuition.
And uh, by the way, being a landlord doesn't have
to be like that. If you heard me talking about
other ways, like with the Sterra turnkey but Colorado right.

Speaker 8 (51:40):
Now, Yeah, but they'd never be in Denver, man, No
that I know.

Speaker 6 (51:45):
That's what I mean. Uh, Colorado and California are the
worst states for landlords. For on all aspects on return
on investment conditions laws. You know, for many years I
would do this show and I was very frustrated. I'd
get calls from tenants who have been screwed so bad

(52:07):
or they lived in absolute disgusting conditions. And here's what
I would say, there are no rights. I'm sorry you're
a tenant at will blah blah blah, sorry about that,
And then the pendulum swung. Man did it swing so again, Doug,

(52:28):
I'm sorry it's happened. Thank you for calling three O
three seven one three eight two five five. You know
we got a lot going on today. Please be patient.
I will get you. I promise you. One Clear Choice
Garage Doors. I love these people and I say it
why because they're just great twenty four to seven service.
If you have an emergency and can't close the door,
can't open it, broken spring, whatever, But for regular service,

(52:49):
they'll come out, fix you up, give you quotes directly
when they get there, plus everything. All the individual quotes
are on their website. It's one Clear Choice Garage Doors. Okay,
one clear Choice Garage Doors, but online it's one Clear
Choice Doors dot com. Hi Tom Artino here through a

(53:12):
three seven one three talks seven one three eight two
five five. Okay, so listen, please be careful when it
comes to uh being a landlord. If you don't do
things the right way, even if you're right, you're going
to turn out being wrong. And the same with being
a tenant. Always call us ahead of time. We're happy

(53:32):
to talk to you. All right, Listen, I want to
talk to Jerry. Jerry has an issue with a two
thousand and four golf Stream. Jerry, I will tell you
there are wonderful jets, and I wish I could afford one.
What's going on, Jerry?

Speaker 20 (53:48):
Well, it's kind of a horrible thing. What's going on?
And it's a golf Stream RV. It's not legit. I
wish I could.

Speaker 6 (53:56):
I know, I know, I'm just kidding, Bro, But they
do have golf stream jets.

Speaker 20 (54:00):
Any But I'm with you, I wish I.

Speaker 7 (54:02):
Could afford one.

Speaker 13 (54:03):
Uh.

Speaker 20 (54:04):
My wife and I purchased this back in April, and
we decided that, you know, as we did with her jeep,
to get the extended warranty by by warranty for the RV.
Anything happens that way.

Speaker 6 (54:16):
Where did you buy it? Where did you buy it?

Speaker 7 (54:18):
Bro?

Speaker 6 (54:18):
And and how much.

Speaker 20 (54:21):
I paid forty thousand to a friend of mine. He
say MARV Park that we were in and he was
getting rid of it. And you know, I got it
fixed everything that was with it. And uh so I
was looking online. I found the company called No Cost
Repair RV Warranty.

Speaker 6 (54:44):
So, oh, so you went out and found your own.
You went out and found your own.

Speaker 20 (54:50):
Yes, and it's a fairly well known company. Uh they
had great reviews. But they actually purchased their insurance through
d OWC, which is in New York.

Speaker 6 (55:02):
And now hold on, So the company you did business with,
what's the name of that company?

Speaker 20 (55:11):
No Cost Repair?

Speaker 6 (55:14):
No Cost Repair. That's a that's a weird kind of
title because it it really sets themselves up for breach.
No cost repair. And it was through through the underwriter,
which was in New York. Correct, and the underwriter's name
is what again.

Speaker 13 (55:35):
D O w C.

Speaker 20 (55:39):
I've okay, see some of the pictures of their name
and their address.

Speaker 6 (55:42):
And okay, so tell me what's going wrong.

Speaker 20 (55:47):
Well, one dame, we're watching now, We're sitting there watching
TV with some friends, and all of a sudden, my
guener writers up and shuts off. Immediately, my I.

Speaker 11 (55:59):
Had a light out.

Speaker 20 (56:00):
They had a motor on it and they kept trying
to push it out and it was going bam bam bam,
and it broke the worm gear off and the motor
got hot enough that started it started a small fire,
which we got that out, no problem there shorted out
and the other one. Uh. Then my power inverter went
out during this process.

Speaker 9 (56:19):
Yeah, and my refrigerator.

Speaker 20 (56:21):
And my refrigerator went out. And the mechanics said the
refrigerator shorted out, which caused everything else to happen. He said,
nothing you could do about that. So he sends the
claim to the insurance company and they send him back
a deal and has the claim number and all that
on it. Then the next day they send him a
deal saying that my insurance has been canceled for no

(56:44):
reason at all, because they can cancel it for no
reason at all.

Speaker 6 (56:50):
So when I talked, I want to I want to
ask a few questions, Jerry, Jerry, I need to ask
some questions. How much was the warranty?

Speaker 7 (56:59):
Uh?

Speaker 12 (57:00):
It was close to four thousand, okay.

Speaker 6 (57:05):
And another question, this is really important, how long after
the warranty purchase did these things happen?

Speaker 13 (57:15):
Probably?

Speaker 20 (57:15):
Seventy days and I had a thirty.

Speaker 9 (57:17):
Day great sperier.

Speaker 6 (57:18):
Okay, but now I get it. And then when an
email when these repairs, when these repairs were put in
by the mechanic or an estimate, they simply notified you
that you never had coverage or that they're canceling coverage.

Speaker 20 (57:38):
Well, they sent me an email stating that I was
getting you refine. I asked, well, why am I getting
a refine? Then I get another email says, your policy's
been canceled per your request. Well, I never requested that,
which was a stupid to do. Then I talked to
another gentleman. He said, oh, we just canceled it because
we can cancel it within you know, a timeframe. I said,

(58:00):
but you've already given me a claims number. He said,
that doesn't matter. You don't have a warranty. Now I said, okay,
he said, now you got to talk.

Speaker 6 (58:10):
Oh, okay, Jerry, Jerry, the fact that they gave you
a claim number does not create an obligation, But the
contract creates an obligation. If if they did not have
a right to get out of it, it's all going
to be a matter of contract, Jerry. I mean you
said there was a contestability period of thirty days, and like,

(58:32):
did they quote you in the warranty where they are
allowed to cancel it for any reason at any time?

Speaker 20 (58:41):
They said they can cancel it within the first ninety
days with no reason at all. Then he turned around
and told me, Okay, I can cancel it, you know,
a year out. I can cancel it because I want to.
And I'm like, well, that's gonna take Jerry, the consumers.

Speaker 6 (58:55):
Jerry, it does, Jerry, it doesn't matter if it's unfair.
And I understand how pissed you are. I would be too.
Let's just I just want to settle that. But what
I'm trying to get at is a contract, and I've
never heard of a contract that they can cancel any
time they want, for any reason. So basically he said
in the first ninety days. Then he said the first year.

(59:19):
And when you say he, who is he? His name
is no, No, I don't mean he his name? What company?
The underwriter or the one that sold it to you.

Speaker 20 (59:32):
D OWC the guy that sold it to me, has
apologized tremendously about the situation. And I made a video
off of an app saying, you know this is what's
going on and this and this, and I send it
to him. He goes, I love the video. He goes,
but you know, obviously that's not your RV in the

(59:52):
video because you're RV's not roadworthy per the inspection. I'm like, dude,
that is mine. He's like really, I'm like, yeah.

Speaker 6 (59:58):
Yeah, Jerry, Jerry, all Jerry, all that smoking mirrors, and
I suggest when you do go forward with this, none
of that's going to matter. What you have to stick
to is this. You had multiple claims. They turned them.
They not just turned them down, they canceled you. Did
you get a full refund?

Speaker 20 (01:00:15):
No, I haven't got one refund yet.

Speaker 6 (01:00:19):
Okay, but they say you're going to get a refund.

Speaker 20 (01:00:22):
Yes, and this has been a month.

Speaker 4 (01:00:25):
Did you finance it? Did you finance at a policy? Yes,
well you're you're not going to get the refund.

Speaker 6 (01:00:31):
The bank is, well, yeah, they're going to lower your loan.
But they didn't do that.

Speaker 20 (01:00:38):
There's no loan the rby's mind. We were paying out
of pocket to the insurance company itself.

Speaker 6 (01:00:46):
Oh okay, so you were you were making Jerry, you
were making monthly payments to the warranty company. Yes, Okay,
how much? Tell me how you were making monthly payments? Uh? Like?
Like for how long?

Speaker 20 (01:01:06):
We had a one year agreement for thirty nine dollars.

Speaker 8 (01:01:13):
So you made two payments basically, yes, made.

Speaker 20 (01:01:17):
Two payments and they were getting ready to take out
the third. Then they sent me said they're going to
send me a refound which we've never received yet. And
they told me to get taken care of is get counseled?

Speaker 7 (01:01:29):
Well you are good.

Speaker 6 (01:01:31):
Yeah, listen, Jerry, here's what I think happened, Jerry, Jerry,
I I don't know what happened, but I think that, yeah, yeah,
this is going to be a problem and it and
I somebody has to look at the contract. Have you
had an attorney? And and by the way, Jerry, fairness
does not play into the contract. What does play into it.

(01:01:54):
What does play into it, even with a contract, is
something that is called conscionability. Okay. What it means is this,
if a contract is written so wildly unfairly, it could
be called unconscionable, meaning no person in their right mind

(01:02:18):
should ever have to adhere to it. But that is
so far out in left field. That's why have you
had an attorney? Look?

Speaker 9 (01:02:27):
At it.

Speaker 20 (01:02:29):
I've been trying to find one. Nobody's been willing to
look at it.

Speaker 6 (01:02:32):
And you know that's not true at all, Jerry, not
true at all. I guarantee you every attorney will look
at it if you pay them their hourly rate. If
you mean no attorney will take it free and read it,
you're probably right. So you're telling me you try to
hire an attorney by the hour to review the contract

(01:02:55):
and they don't want your money.

Speaker 12 (01:02:58):
Correct.

Speaker 6 (01:03:00):
Well, okay, and who did you call out of curiosity?
I'd like to know an attorney that would turn down
reviewing a contract for money.

Speaker 20 (01:03:09):
Let me good over here, I don't find his name
for you.

Speaker 6 (01:03:11):
Quick, do me a favor, Do me a favor I
would like to know. And what kind of an attorney?
Where'd you find the attorney? What crackerjack box? I mean,
where'd you find?

Speaker 20 (01:03:20):
I looked at I looked on a Google maps for
local attorneys and I found the one. And I talked
to him for probably and almost an hour on the phone,
going over the contract where I was reading stuff. And
he's like, yeah, he just said, that's just not something
I want to get involved in.

Speaker 6 (01:03:42):
Okay, all right, then here's the deal bro. I think
he probably thought you didn't have a case, but and
he didn't want to take your money, and that's laudable.
I would like to see if RAINA would review a
contract and how much it would cost. Hang on, just
hang on and we'll talk about that coming up. Three
oh three seven one three talk. Compass Insurance Group, By

(01:04:03):
the way, does free insurance checkups. Under insured, over insured?
Maybe you have to get more insurance. They can save
you money or not. They will give you the honest
to God assessment at three oh three nine ninety six,
nine thousand. The Insurance Healthcenter dot com.

Speaker 1 (01:04:18):
Yeah, ripped up bad news.

Speaker 3 (01:04:26):
Need advice so you don't have to.

Speaker 13 (01:04:30):
Come running.

Speaker 3 (01:04:31):
Just as fast as we can, Troubleshooter's gonna help.

Speaker 5 (01:04:35):
Come man, This is the Troubleshooter Show. No Tom Martino.

Speaker 6 (01:04:43):
Hey, I'm Tom Martino, your troubleshooter. Three oh three seven
one three talk seven one three eight two five five.
I'm grateful to be here with you, and we're trying
to solve problems, answer question, take complaints as we've done
God for so many years, with the help of a team,

(01:05:03):
of course, and my original my og is sus Marc
is a after that thought, so, but so he's not
the OG. He's the AOG almost original gangster. But sus

(01:05:25):
is the OG three oh three seven to one three
talk Hey, kN Tome Solutions, by the way, they're the
one of the oldest home improven companies. You now how
I feel about heritage. I love it and they have
the Alpin window made right here in Colorado. You might
want to check out for beauty and thermal efficiency Kchwindows
dot Com. Great people, so let's continue our festivities. Jody,

(01:05:54):
you are having an issue with a car part.

Speaker 9 (01:05:58):
Oh yeah, what's going on?

Speaker 6 (01:05:59):
Jody? What's going on?

Speaker 16 (01:06:01):
Okay? My husband ordered uh bumper for my car. We
have a part number, confirmation and voice all that stuff.

Speaker 6 (01:06:19):
Where'd you order it, Jody?

Speaker 16 (01:06:21):
At a place called States Auto Parts?

Speaker 6 (01:06:26):
Is it online?

Speaker 16 (01:06:28):
Yeah?

Speaker 13 (01:06:30):
What?

Speaker 16 (01:06:30):
Did you order a front bumper for my car?

Speaker 6 (01:06:40):
And you did this through your you it was going
to be a do it yourself right, yes, from State's
Auto Parts?

Speaker 9 (01:06:50):
Well, yes, that's and how much did you pay?

Speaker 16 (01:06:57):
Seventeen hundred ninety.

Speaker 6 (01:07:01):
Okay four dollars that's okay, y seventy okay, so eighteen hundred.
So here's what I want to know.

Speaker 9 (01:07:07):
How long ago, last week?

Speaker 6 (01:07:12):
Okay, what's your issue?

Speaker 16 (01:07:15):
They took the money and lo and behold they went
out of business.

Speaker 6 (01:07:22):
And how did they take how did they take the
how did they take the money, Jody?

Speaker 16 (01:07:27):
Through our debit card?

Speaker 6 (01:07:31):
Did you talk to your bank about snagging it back?

Speaker 10 (01:07:34):
Yes?

Speaker 16 (01:07:35):
I went down there and that's how I found out
that they were out of business.

Speaker 6 (01:07:42):
They And when you said so, are they local? Are
they right in in an area you went to visit?

Speaker 9 (01:07:49):
Or no?

Speaker 16 (01:07:51):
You ordered? No, you ordered the part through them and
they they send.

Speaker 9 (01:07:59):
It to you.

Speaker 6 (01:08:01):
And what's the website, dear?

Speaker 16 (01:08:05):
The website is used autoparts dot yard at gmail dot com.

Speaker 6 (01:08:26):
Well, hold on a second, No, no, no, no, no, no,
well okay, never mind, So there is no website, that's
an email address. Where's the website that you ordered from?
Where's the website? Was there a website, Jody? Or or

(01:08:51):
did you do it all from email? There was a website?

Speaker 9 (01:08:56):
Okay, Jody, I'm looking, I'm looking.

Speaker 6 (01:09:06):
Did your banks say that they could snag a debit
card transaction?

Speaker 16 (01:09:16):
That they could uh they refund it?

Speaker 6 (01:09:21):
No?

Speaker 16 (01:09:22):
No, because they said that since we use the debit
card instead of a credit card.

Speaker 7 (01:09:29):
They could not right, Okay, So my.

Speaker 16 (01:09:35):
My question to you is is help. I don't know
you're my last hope. I don't know what to do well.

Speaker 6 (01:09:44):
I I hate to be your last hope on this
because you know you only can do what's possible, and
your bank's the only one that can do that. I
don't think you're going to get your money back, but
I want to. But if it was fraud, we can
at least put a claim in somewhere, like did they

(01:10:05):
go bankrupt? I mean, you're so hazy about this company?
Where they located? Where are they locate? I mean, do
you know anything about them? Dear anything?

Speaker 12 (01:10:24):
Yes?

Speaker 6 (01:10:25):
Why don't I put you on hold? Why don't you
find Here's what I need to know. I need to
know where they're located. I need to know the website.
I need to know your invoice that you ordered. And
please just help me. Okay, I can't do this live
Jody hold on Kachina help her out, please, I do
want to help her. Three oh three seven one three
talks seven or three two five five? Francis, what is
this follow up on the Toyota camera thing? I believe

(01:10:48):
that you called earlier and to sum it up, you
bought a new twenty twenty five Camra the remote start.
You know you had electrical issh. Let's just say it.
It's sitting waiting for a man as control module and
you can't drive it. They gave you an old pickup
to drive right now, and uh, we were talking about
what to do about it. So what is your question?

Speaker 18 (01:11:12):
My question is my plates are due on the thirty first.
What happens when I pay for those plates? Is that
have any ramifications on doing that? I mean I don't
have to make the payments and everything, but you know
I had heard that if you buy.

Speaker 6 (01:11:31):
Why don't you get plates? Why don't you do me?
Why don't you do this? Why don't you get an
extension on the temporary tag?

Speaker 12 (01:11:38):
Okay, all right, just get.

Speaker 6 (01:11:41):
An extension and the dealer should issue you on if
they don't call me back three oh three seven one, Yeah,
they should three o three seven to one to three
talk seven one three two five five. Tell them that
you're waiting for a resolution and you'd like to put
off the plates right now in case you have to
do some kind of action and you don't want to

(01:12:01):
lose that money too. They should be able to do it. Three, three, seven, one,
three eight, two five five. Paul the water man. God,
I've been We've been so busy. Let me just go
to this wide shot here, Paul, I got so many
texts for you. Here's why we've been talking about the
dangers of PIFAs forever chemicals that mostly come from plastics,

(01:12:22):
microplastics and teflon, from the manufacturing process, and from the
leeching of the product itself. We have determined that it's
everywhere now, even in the rain water, in the ground,
in the soil, in the food. And you said in
autopsies that showed up what else? What else? Paul?

Speaker 11 (01:12:40):
That's it, you got it. It's an the water rays.
So then it's in the seafood that we eat, especially
men's coming up. People want to eat fish. That's something
to consider.

Speaker 7 (01:12:49):
Now.

Speaker 6 (01:12:49):
We left off with some text that I got on
this and somebody wanted to know PIFAs are handled with
reverse osmosis fordrinking water, but you certainly don't want to
have to do that for the whole house. So I
got a couple of questions. If I get a reverse
osmosis system from you, which is a great deal, it

(01:13:10):
really really is. I'm not I'm not bsing here. I
got it in both of my houses. So if I
get a reverse osmosis system and I drink only from that,
why do I need another filtration system to take PIFAs
out of the house. Tell me, tell me why.

Speaker 11 (01:13:26):
You breathe it in in the steam in the shower.

Speaker 6 (01:13:29):
You're breathing it in in this steam. What about the laundry.
It gets on your clothes, in.

Speaker 11 (01:13:32):
Your clothes and some clothes, you know, can also retain
any water resistant, you know, clothing that you.

Speaker 6 (01:13:40):
That you wash so showers. Can it be absorbed through
your skin?

Speaker 11 (01:13:44):
Absolutely?

Speaker 6 (01:13:45):
All right, So even though you're going to have good
drinking water, you got to go further.

Speaker 11 (01:13:49):
Yeah, I totally believe that. Listen, with all the research
I'm doing, you know, it clearly can be breathed in
in their skin. Now you're you're I mean breathing with
their lungs in the shower. You're your skin is like
a sponge. It absorbed.

Speaker 6 (01:14:02):
What does a whole house PFI filtration look like?

Speaker 11 (01:14:06):
So if you go to our website, it's the Ecopromax
that you've been talking about how much? Right now it's
on sale for thirty six ninety five with Now, anybody
that listens to the show today and calls in will
give him an extra two hundred dollars off.

Speaker 6 (01:14:20):
Okay, so thirty four ninety five. Yeah, so let me
let me be clear on what it does that system
for thirty four ninety five right now, for those who
call in and mention me, that system takes out the
forever chemicals in the whole house.

Speaker 11 (01:14:36):
Right, and the total chlorine content, plus give them soft water.

Speaker 6 (01:14:39):
Wait a minute, so it's complete conditioning including pfas.

Speaker 11 (01:14:43):
Right, it's going to remove the peace from the whole house.
From the whole house, it's going to remove the total
chlorine content and give them soft water.

Speaker 6 (01:14:50):
Well, let me give you. Then I have another question.
If I did that system for the house, laundry, skin, steam, everything,
and then I did the reverse osmosis for drinking, that
is complete because you know thirty four ninety five, and
then reverse osmosis is still what eleven hundreds? I mean
that you never get those prices. I swear to God

(01:15:12):
they would be fifteen grand or more. Now here's what
I want to know, though, What if I just do
the whole house system? What would that do for my
drinking water? If I didn't want to go for the
extra reverse osmosis. I'm just looking for options. Would that
give me? Would that clean up my drinking water a bit?
Clean up a bit?

Speaker 11 (01:15:28):
The reverse osmosis will then attack the pharmaceuticals from the microplastics.

Speaker 6 (01:15:33):
Okay, so you would do both absolutely, But if you
had to do one, which one would you do?

Speaker 11 (01:15:41):
I do the whole house because you don't want to
be drinking.

Speaker 6 (01:15:45):
You're right. The chemicals plush your laundry, turtiions goes longer,
your pipe lasts longer.

Speaker 11 (01:15:50):
Team you know, if you take a shower, and you
wouldn't believe the chlorine content and evaporates in that.

Speaker 6 (01:15:55):
Show, the chlorine and the pea fas are all removed. Yes,
oh wow, this is wonderful. Thirty four ninety five people.
I'm serious, man, I really really am, especially when it
comes to health. As you know, I'm a health nut.
Got slapped in the face a little, you know, but
I'm still I'm still a health nut. And it's three

(01:16:17):
oh three eight six two five five five four. Yes,
three oh three eight six two five five five four
mentioned Martino. Let's let's go back to the phones. Right
after this, we got to talk about this issue with
the car part. I'm gonna look at my email. She's
gonna send me all that information. And then an issue
with a car sale from Auto Savvy, and then Susan

(01:16:39):
wants to talk about water damage. I'm gonna get to
her next because she's been waiting the longest. I'm Tom
Martino three oh three, seven to one to three talk.
Do you want to reverse loan? They're still alive and well,
honest to god, CMG Mortgage. You know, I love these people.
I've known John Clace for many many years now. Mark
brought them back and says, Tom, these guys are for real.

(01:17:03):
They do reverse loans. They do the all in one loan,
the one I call the liquid loan, and they do it.
That's a line of credit that you can pay up,
I mean pay down or borrow up. And then the
reverse loans. That's CMG Mortgage and John Clace our friend.
Three oh three, five seven seven seventy two oh six,

(01:17:25):
five seven seven seventy two oh six. Hi, Tom Martino here,
and I do want to get to Susan, who's been
waiting a long time. Here, Susan, what's going on?

Speaker 18 (01:17:48):
Susan, welcome Hi Tom.

Speaker 15 (01:17:52):
In the first part of October, we had a hibe
first in our crawl space. It was probably an abandoned
pipe from probably the mid fifties.

Speaker 6 (01:18:12):
Wait a minute, what was it there for?

Speaker 15 (01:18:16):
We don't know. It was not part of our water system.
It could have been involved in drainage for an area
that's by our home.

Speaker 6 (01:18:31):
Yea, But what was in the pipe? What was what
was in the pipe? Was it drainwater or fresh water
from the city or are you on a well I
need to know more.

Speaker 15 (01:18:41):
Okay, it is not fresh water. It is not from
the city. It had water that came from a lake nearby.

Speaker 6 (01:18:51):
Us Okay, So how did it come from the lake?
Was it pumped? How did it come from the lake?

Speaker 15 (01:19:00):
It was not pumped. There's no pump on it. It
was bit It would have come by gravity or by
pressure from the lake pushing the water.

Speaker 6 (01:19:10):
Cap Now and the pipe that contained lake Okay near
hold On nearby lake water? And was this pipe? So
the lake water drained into this pipe, Did it go
to a tank or was it capped off?

Speaker 15 (01:19:29):
Well, we we believe it was capped off at a
house nearbyas because we think the pipe went farther from
our houses between the house that it was capped off
and the lake.

Speaker 6 (01:19:42):
Okay, so you're saying it passed through your house.

Speaker 15 (01:19:49):
The pipe went under our house.

Speaker 6 (01:19:52):
The pipe went under your house to the neighbor's house.

Speaker 15 (01:19:57):
Yes, but it was not our neighbor's pipe. It was
probably an abandoned pipe.

Speaker 6 (01:20:03):
From I understand, But it went to your neighbor's house
or did it go through your neighbor's house? I promise
you I never ask a question that's not germane. Did
it go through your neighbor's house or did it terminate
at your neighbor's house.

Speaker 15 (01:20:22):
I don't. From what I know, it terminated there, but
I don't know because they didn't search to see if
it went farther.

Speaker 6 (01:20:31):
Okay, So was it capped? Was it capped at your
neighbor's house.

Speaker 15 (01:20:38):
Yes, when they realized they had water coming in to
their cross space, they capped it.

Speaker 6 (01:20:51):
Okay. They when did they cap it?

Speaker 15 (01:20:56):
About three weeks before it broke in our cross space?

Speaker 6 (01:21:00):
Okay? Okay? Where was it going before they capped it?

Speaker 12 (01:21:07):
From we do not know?

Speaker 6 (01:21:11):
Well, do the neighbors know? I mean, they capped a
pipe that went through their house or did it stop there?
And if it stopped there, where was it going they
capped it off? There's got to be more information. If
they found a pipe in their home and decided to
cap it off, and then suddenly it broke under your home,

(01:21:32):
it could be that it wasn't meant to be capped off.
I don't have any idea what it was. Did it
actually stop at their house or did it go beyond
their house? And if it stopped at their house, what
was on it before they capped it it was? Paul,
you can go ahead, and I have a question, man.

Speaker 11 (01:21:53):
Was it a galvanized pipe?

Speaker 15 (01:21:55):
No, it's a ceramic pipe.

Speaker 11 (01:22:00):
So it was a tile.

Speaker 6 (01:22:02):
So it passed under her home to the neighbors, to
the neighbor's house. Okay, And and the neighbors caped it.
But why where? I mean, you need these answers. Did
you talk to their plumber?

Speaker 15 (01:22:18):
Yes, we had their plumber to come and worked on
our house. Theyre okay.

Speaker 6 (01:22:23):
What did the plumbers say when they okay? What was
on it before he capped it? And why did they
cap it? I mean, all of these are important questions.
Did you ask?

Speaker 15 (01:22:36):
I know the answers, so we know, Okay, go ahead
and tell me, there was no cap on it.

Speaker 12 (01:22:44):
News.

Speaker 6 (01:22:44):
Okay, if there was no cap on it, if there
was no cap on a drain pipe that came from
the lake, where was the water going before they capped it?

Speaker 15 (01:22:57):
It was coming into their cross stace. Is because we
think we don't know because the original owners were not there,
that they had water in there coming from that drain
and so they put in like a pipe that went
from that up and exposed into the air, so that

(01:23:18):
if water would rise, it would rise into that pipe
versus coming out into their crawl space. When the water
got too high and it came out of that pipe,
it came into their crawl space.

Speaker 6 (01:23:31):
They had I get it, and that's why they and
that's why they cap and that's why they capped it. Yes,
they no longer wanted water coming into their crawl space.

Speaker 2 (01:23:45):
Yes.

Speaker 6 (01:23:47):
Does anyone know, like the plumber, what the original purpose
of that pipe was at the lake?

Speaker 15 (01:23:55):
No, not that we can ascertain. We don't have records
that go back. We've searched the county records to see
where the pipe was or where it came from. And
the subdivision was built in seventies, in the seventies, and
we haven't been able to find where it originated.

Speaker 6 (01:24:18):
Okay, by capping that off, there's no coincidence they caused
your pipe to burst.

Speaker 10 (01:24:29):
Yes, I have a question for Suky Tom.

Speaker 6 (01:24:33):
But hold on, hold on, bo. Do they acknowledge that
there was a connection between them blocking the pipe and
the pipe under your crawl space? Did breaking?

Speaker 15 (01:24:49):
We've never talked that piece to them. We do know
that they had their plumber came out with a camera
and followed where that pipe went, and it came at
the end of their property and our property, and that's
where they stopped.

Speaker 6 (01:25:09):
Okay, the contact but but but but it went to
the lake. Did it serve as an overflow for the
lake or did the lake at one time supply fresh
water or water to the homes?

Speaker 15 (01:25:24):
I can probably say the water did not provide water
to the homes.

Speaker 6 (01:25:31):
What was it there, dude? Does anybody have an idea
why that pipe was put there to begin with?

Speaker 4 (01:25:37):
Maybe she had a well at one point and now
she's on some kind of community well or possibly city.

Speaker 15 (01:25:44):
We're on city. I don't think the property.

Speaker 6 (01:25:47):
Is Yeah, but Mark, she said, she said it did
not supply water to them for drinking and for that,
then why would it mean for that, I don't know
a tile A tile, a tile dream is what it
sounds like. And that's not a water supply. That's not
the tile would never be used for a water supply.
So if it was tiled, then it was it was

(01:26:07):
a dream. But was it an overflow for the lake?
And why would they overflow a lake into people's crawl spaces?

Speaker 11 (01:26:14):
For God's sake, it was designed to go from the
house to the lake, to drain to.

Speaker 6 (01:26:18):
The lake the other way around, the way around.

Speaker 11 (01:26:21):
And then when they kept so, then something Wait.

Speaker 6 (01:26:23):
A minute, wait a minute, So is the lake higher
or lower than the crawl space? That's for you, Susan.
We don't live there. We don't know.

Speaker 15 (01:26:36):
So the lake water when it was high, at its
highest point, that's when we had the break in.

Speaker 6 (01:26:46):
I get it. Okay, okay, okay, Susan, Okay.

Speaker 10 (01:26:53):
Do you know the name of the lake and who
owns the lake?

Speaker 18 (01:26:57):
Yes?

Speaker 15 (01:26:58):
I do, and I don't want to bring that up
right now, but it is privately owned.

Speaker 10 (01:27:02):
Well, then you need to contact them because it's probably
I live near a lake and they have these things
called agricultural lateral lines that they used to feed into farm.

Speaker 6 (01:27:12):
Land that's exactly what it sounds like to me.

Speaker 16 (01:27:14):
Bo.

Speaker 6 (01:27:16):
I think they were there, if you want to know
the truth, I think that lateral line was there for agriculture,
and the builders built those homes on top of them. Now,
how long ago were your homes built?

Speaker 15 (01:27:28):
You and your neighbors in the seventies?

Speaker 6 (01:27:32):
Okay, here's what I believe. I do not think anyone's
going to be responsible except each one to their own property.

Speaker 16 (01:27:45):
Okay, But I don't see how you.

Speaker 6 (01:27:48):
I don't see how you can ascribe negligence to anyone.
This is a condition that's gone on for years and
years and years and years and years. It's too late
to go after the builder. There's really no one to
go after the lake owner. It's been there too long.
I don't think anyone is responsible. I think everyone has

(01:28:09):
to deal with their own crap. I think you have
to make sure it's terminated before it gets to your
crawl space and evacuate that line. You don't have to
fix the line, you just evacuate it. Did it? What
damage did it do to your home?

Speaker 15 (01:28:26):
About sixty thousand dollars to the basement?

Speaker 6 (01:28:30):
How did it do sixty six zero thousand?

Speaker 15 (01:28:35):
Because from the crawl space. It went into the finished basement.

Speaker 6 (01:28:40):
Okay, Now is your insurance covering it? Or do they
call it flood?

Speaker 15 (01:28:48):
They didn't call it flood. They are denying it because
of saying it was water steam, but it's not. It
was pressure from our presence of tree, shrubs, plant roofs,
whether growth is above or below the surface of the ground,

(01:29:11):
which it isn't.

Speaker 6 (01:29:12):
No, that's visual, Susan, that's visual thinking. You're you're never
it's that's made for sewer lines. That's never gonna work.
I mean, I would be on your insurance company side
to deny that. What I'm asking you is this what
are they calling it?

Speaker 15 (01:29:30):
Okay, well let me tell you one thing that way.

Speaker 6 (01:29:33):
I'm asking what is your insurance company classifying it as?

Speaker 7 (01:29:38):
What?

Speaker 6 (01:29:39):
That's all I need to know right now. Then you
can tell me stuff. How is your insurance company classifying it?

Speaker 15 (01:29:46):
I'm trying to read what they're saying. It says it's
a backup through a buried storm water pipe, and then
they say what it's not covered. They don't cover certain
so that's what they're calling it.

Speaker 6 (01:30:04):
Okay, got it, And you want to call it something
else to get it covered? You want to call it
something else to get it covered.

Speaker 15 (01:30:14):
They're calling it accidental discharge er overflow which occurs off
our residence residence premise.

Speaker 7 (01:30:21):
But it wasn't it.

Speaker 6 (01:30:22):
They're absolutely, they're absolutely, they're absolutely right. It is. It
recurred off of your residence and floating into your residence.
Hold on, we have more coming right up. Hi, Tom Martino,
your troubleshooter three oh three seven one three talks seven

(01:30:45):
one three eight two five five. This is terrible. We're
going to get an insurance compass insurance on to see
you know, if they're classifying it right and all of that.
Right now, I want to go back to the phones
and help people have been waiting a long time. Oh,
Jody in this car park, did you send me? You
sent me some email on that I don't know if

(01:31:08):
really Jody has a prayer? This contract that you sent
me was it's not the one. I don't see anything
about Jody. Uh nope. I see a Kia sportage. I
see the other stuff. I don't see anything for Jody.
So what did you send me kachina? Because I don't
have it my kachina? What what did you send me?

Speaker 9 (01:31:35):
Dear?

Speaker 6 (01:31:35):
Did you send me something on.

Speaker 8 (01:31:37):
Her car part.

Speaker 6 (01:31:39):
Because I don't have it.

Speaker 21 (01:31:41):
Yeah, let me resend it.

Speaker 6 (01:31:42):
Okay, Well, why don't you just tell me the heading
or the topic and I'll find it, because I'm in
my uh stuff here and I don't see it, says
Kia Mark. Did you get it? Mark?

Speaker 7 (01:31:57):
Yes?

Speaker 6 (01:31:57):
Can you tell me about it? Mark? Go ahead?

Speaker 4 (01:32:00):
Well, it's just seventeen ninety four dollars and ninety nine
cents for a bumper assembly. I'm not sure what else
I can tell you about it.

Speaker 6 (01:32:15):
What does it say about like? I don't know.

Speaker 8 (01:32:19):
Like, thanks for your reasoning at all.

Speaker 4 (01:32:21):
We're excited to let you know that we've received the
part order for your Kia Sportage order details item ordered.

Speaker 6 (01:32:31):
Is there a website? Mark?

Speaker 8 (01:32:35):
Let me see I've found the website.

Speaker 6 (01:32:37):
Okay, I do see it now, I do see it, Mark, Yes,
thank you, because I was not looking. She just never
received it. What's the issue? Yeah? Yeah, the company went
out of business right after taking payment.

Speaker 8 (01:32:51):
Well, dispute it on your credit card?

Speaker 6 (01:32:54):
Yeah, but there is no website or anything.

Speaker 16 (01:32:57):
It was on my debit card.

Speaker 8 (01:33:00):
Well, I mean, how did you put in a pin number?

Speaker 16 (01:33:06):
Yes? Yes, we went to our bank.

Speaker 6 (01:33:10):
Here's what I want to know, here's something I wanted
to find out. On the invoice, there's no address. Well,
there is an address, Hold on, there is an address.
Is there a website for this place? How did you
guys find it?

Speaker 9 (01:33:26):
Yes?

Speaker 16 (01:33:26):
Down at the very bottom, there's no website.

Speaker 6 (01:33:31):
Do you know the difference between you? Look at nevermind,
I'm not going to build it on you. That's an
email address. That is not a website. That's a Gmail
addressed here.

Speaker 10 (01:33:43):
Yes, the website to this place is fifty States autoparts
dot com.

Speaker 6 (01:33:50):
Where'd you find it?

Speaker 10 (01:33:51):
Found it online?

Speaker 6 (01:33:52):
But she's she's not okay.

Speaker 10 (01:33:54):
It's fifty States, not States. It's fifty States autoparts dot Com.
I had to call them several times during the break
and they do not answer their phone. I don't think.

Speaker 6 (01:34:05):
Okay, so this is the place that is out of
business mine. When I put in fifty parts, when I
put in fifty States autoparts dot com, it forwards me
to a Nissan dealer fifty States autoparts dot com. The

(01:34:26):
number five zero is that what it does? BO help
me out here?

Speaker 11 (01:34:37):
Okay?

Speaker 10 (01:34:38):
The phone number I have.

Speaker 6 (01:34:39):
Is no BO. I don't need the phone number. I
need the website. Can you give me the URL please?

Speaker 10 (01:34:46):
I can't. I can't find it. I just know it's
fifty States Autoparts dot com.

Speaker 6 (01:34:51):
I'll look, but that doesn't come up. See I'm typing
it fifty States Autoparts dot com. And what it does
is it forwards me to a Nissan dealer. Actually, every
time I type forms me to something else.

Speaker 7 (01:35:10):
Yeah.

Speaker 10 (01:35:10):
Now I typed it in again. I typed in fifty
States autoparts dot com again and it comes up as
www dot trust pilot dot com.

Speaker 6 (01:35:23):
You know what's there's no website. It's suffice it to
say there's no website.

Speaker 8 (01:35:28):
Well what I don't. Just hold on a second.

Speaker 4 (01:35:31):
Guys, she said, you started saying you walked into your
bank to pay for this.

Speaker 8 (01:35:36):
How did you pay for this?

Speaker 7 (01:35:37):
No?

Speaker 16 (01:35:38):
No, no, I I called my bank. My husband paid
with this debit card and Mark Mark.

Speaker 6 (01:35:45):
We went all through this. I don't want to do
it again. Let me just explain it to Mark Mark.
It was. It was a debit card transaction period. They
went to the bank to try to reverse it. The
bank says, we can't. They already took the money. Okay,
so I don't want to. I mean, if you have
probably just to complete move on.

Speaker 14 (01:36:02):
I found a site called fifty Stars Auto Parts and
they say that why.

Speaker 6 (01:36:07):
Don't we just make up any name? I mean, what difference.

Speaker 4 (01:36:09):
Well, I'm just it's probably a complete scam and they
took her money.

Speaker 11 (01:36:14):
It's it's definitely a scam.

Speaker 6 (01:36:17):
Okay, this one has a different phone number, I think.
But look at whatever it is that you lost your money.
I mean, I don't really know what else to tell you,
and I hate saying it, but I think you lost
your money.

Speaker 20 (01:36:35):
Okay.

Speaker 16 (01:36:36):
Well, I appreciate your time, and I appreciate.

Speaker 6 (01:36:39):
I'm so sorry for you. I'm sorry that we couldn't
help you more. I I really really am three h
three seven one three eight two no no, I yes,
And you're welcome, although we didn't really do anything for you.
Oh man, this is terrible. We have more coming right up. Hi,

(01:37:02):
Tom Martino, you're a troubleshooter. Three oh three seven one
three talks seven one three eight two five five. We're
out of time. We're gonna come back. We have another
hour and it's gonna be busy. We're gonna go back
to the r V problem. We're gonna go back to
Susan and the water damage and we're gonna try to
get compass insurance on or someone who can address that.

(01:37:25):
And then Duane with auto savvy problem. I'm Tom Martino.
Stick around for more on the Troubleshooter Show.

Speaker 1 (01:37:33):
Yeah, ripped up bad news, You need advice who.

Speaker 2 (01:37:42):
You don't have to.

Speaker 3 (01:37:45):
Come running just.

Speaker 5 (01:37:46):
As fast as we can.

Speaker 3 (01:37:49):
Shooter's gonna help.

Speaker 5 (01:37:51):
Come man, this is the Troubleshooter Show. No, Tom Martino.

Speaker 6 (01:37:58):
Hey, I'm Tom Martino. Welcome to the show. Three oh
three seven one three talk seven one three eight two
five five welcome. Hey, Paul, the waterman's with us. And
I do have to go to some texts because I
think people are getting a little. I'm getting a lot
so so on the pfas they're chemicals, they're in everything.
Basically you can remove them from your home with a

(01:38:20):
system and soft of the water and get all the
benefits for thirty four ninety five if you call Mentioned Martino,
then for eleven hundred you can do reverse osmosis for
drinking water. This is wonderful, but what about the general population?
What about I mean, Paul, It scares the hell out
of me.

Speaker 11 (01:38:42):
So right now, the ep is mandated that local water
municipalities have to restrict p fives and the water supply
the process.

Speaker 6 (01:38:51):
Yeah, but how do they do it?

Speaker 11 (01:38:53):
Well, that's see, that's the whole problem is that you know,
you got an eight in to waterman coming with all
that water pressure. So you imagine the size of the
filtration system you'd have to have. I mean, it's sumong,
it's would be you.

Speaker 6 (01:39:04):
There is no way to meet the federal mandates. So
so what happens.

Speaker 11 (01:39:08):
That it's up to the individual. I think if you're
if you're gonna give people tax breaks to buy e bikes,
why not give them tax breaks to filter the.

Speaker 6 (01:39:17):
Wall, especially if the local municipalities can't meet the standards.

Speaker 11 (01:39:21):
I totally agree. This is this is something that we
really have to dress and bring the forefront because it's serious.

Speaker 6 (01:39:26):
Okay, next question, Mark lives on well Water. I used
to live on well Warner, big beautiful Well. Does he
have p fas in that Warner?

Speaker 7 (01:39:36):
Yes?

Speaker 11 (01:39:37):
I think you think.

Speaker 6 (01:39:37):
So can you test for them?

Speaker 11 (01:39:40):
You can't test for them.

Speaker 6 (01:39:41):
You can't.

Speaker 11 (01:39:41):
You have to take them to the lab. You can't
take to the state lab because they got they got
caught fudging water tests. You believe it or not. So
both the Colorado Colorado State Lab. Wow, so you'd have
to find it independent to do PFOS testing. But I
believe with the research Tom that I've done, everybody has,

(01:40:01):
you know, concern for p fives in the water. It's
a global issue really truly.

Speaker 6 (01:40:07):
I wonder though, if we sent a sample of Mark's well,
now he's got your system. So I'm Mark, I mean,
could you imagine if the runoff of the rain affected
people out in the country on wells.

Speaker 4 (01:40:20):
Well we're on the lower docks. Then I don't know
how they get their water supply.

Speaker 6 (01:40:25):
I mean water evaporates into the sky. I get it.
The water cycle doesn't clean up everything.

Speaker 11 (01:40:29):
So me listen how these get their water from well
water too? I mean they get it from either the
plaid or ground water wells that feed that you know,
they're holding tanks. It's the same thing. Upper Dawson, Lower Dawson.
You it's a water What do you think? How do
you think those waterways get get resupplied?

Speaker 6 (01:40:46):
Hey, we had another topic looming. Is Brian Burns unavailable
for the whole show today basically up until about one.

Speaker 7 (01:40:58):
Oh be late.

Speaker 6 (01:41:00):
Mark might have to handle this, Okay, So let's talk
about water damage. Susan, the pipe burst, you got sixty thousand.
We're going to try to get an insurance company on
to see if you're being treated fairly. You can also
call a public adjuster to take a look at it.

(01:41:23):
My feeling is that they are classifying it correctly, but
I might be wrong. I mean, I've been wrong several
times when I tried to think like a company and
it ended up being wrong and the consumer got helped.
Here's the bottom line. Okay, there's a lot of statutes
of limitations, expired absolute statutes that means someone did something intentionally.

(01:41:46):
There's absolute statutes. They don't allow the country to be
mired in lawsuits for our entire lives. So here's the
big question. I think the only protection is going to
be insurance. Would your insurance cover it or the neighbor's insurance.
I never even thought of that, because even though you
have a contract with yours and you may have an

(01:42:08):
exclusion for groundwater or waste water or other water from
other places flowing into or onto your property, that neighbor
has liability. So maybe they can put an acclaim because
you can show some causation. Possibly would their plumber say,
did their plumber hint that by him capping that neighbor

(01:42:30):
it caused you to back your pipe to leak.

Speaker 15 (01:42:36):
I believe so. But I also know that the insurance
company had a independent engineer come out and look at it,
and I believe that was his assertion. I'll also tell.

Speaker 6 (01:42:50):
You that the wait wait wait wait wait wait wait
wait wait, your insurance company had an independent engineer come out, right, Yes,
what were the findings of the engineer? What were the findings?

Speaker 18 (01:43:07):
Again?

Speaker 15 (01:43:08):
What I remember was inconclusive of the source of the water.
Can I'd like to tell you this one piece of it.
The lake. The people that own the lake, they were
made aware of the break in the house nearby us.
They were told that the water that came into our

(01:43:29):
neighbor's house was coming from their lake. They had idea
of that three weeks before ours broke. So I'm if
our insurance doesn't pay, I wonder if the people who
own the lake and.

Speaker 6 (01:43:44):
Have I mean, you might be able, you might be
able to make a case for negligence because you're saying
they knew about a condition and did not act on it.
What exactly did they know and who told them?

Speaker 20 (01:43:59):
They came out.

Speaker 15 (01:44:00):
The managers of the property came out to the house
that had the initial break, and they were told where
the pipe went underground towards their lake. They were told
that there were crowd ads in the lake, that it
smelt like lake water. They were shown where the pipe

(01:44:21):
went from there.

Speaker 6 (01:44:22):
So an engineer. An engineer examined your neighbor's property and
told the lake owner, you have water leaking out of
your lake into their home.

Speaker 15 (01:44:36):
No, they did not tell the homeowner that they were.
They spoke, or they didn't come out and show that.
The engineer didn't. The engineer spoke to them, got that
information and then showed where the pipe went towards the lake.

Speaker 6 (01:44:57):
Okay, I'm going to have to say that. Hold on, Susan.
I know you think you're being clear, but not to me. Okay,
it's my fault, my fault. Okay, you said that the
lake owner was made aware that their lake was overflowing
into your neighbor's home three weeks before your pipe broke.

(01:45:22):
Here's what I need to know. Nothing else. Who made
the lake owner aware?

Speaker 15 (01:45:31):
The owner of the house where the initial overflow occurred.

Speaker 6 (01:45:37):
Your neighbor, Yes, your neighbor told the lake owner. I
had an engineer to my home and they identified the
source of the water as coming from the lake.

Speaker 15 (01:45:54):
No, the engineer did not come to that house and
make that observation.

Speaker 6 (01:46:04):
You see why I'm confused.

Speaker 15 (01:46:05):
Engineers.

Speaker 6 (01:46:06):
Wait, wait, we don't need another voice yet. I need
to know who made the lake owner aware the lake
was overflowing.

Speaker 15 (01:46:20):
Our neighbor.

Speaker 6 (01:46:23):
How did the neighbor know the source of the water.

Speaker 15 (01:46:29):
They made the assumption because there was crowd ads in
the water in their homes.

Speaker 6 (01:46:35):
Okay, the neighbors made the assumption, or the engineer made
the assumption.

Speaker 15 (01:46:41):
No, not at not at the three weeks before it broke.
The engineer came after, came to our house after the break.
Did the review?

Speaker 6 (01:46:53):
Okay? Hold on then, no engineer, No engineer, So hold on,
just wait please, So three weeks before for your break.
No engineer, no professional, no expert made the lake owner
aware that they had a problem.

Speaker 15 (01:47:12):
No, just the neighbor and had a hunch.

Speaker 6 (01:47:16):
The neighbor had a hunch and some proof.

Speaker 15 (01:47:21):
That the pipe was coming from the direction of the lake.

Speaker 6 (01:47:27):
Okay, but there was nothing conclusive. It was a hunch
from the neighbors that correct. Yes, Okay, So the question
will be was that enough notice that they should have
acted on were they negligent not to? Now, an engineer's

(01:47:48):
notification would have been way more credible than a neighbor
with a hunch. So I don't know the answer, Mark,
Do you have an idea once a person who owns
the lat supposed to do? I'm just curious. Well, I
don't know either. But you mean if a neighbor, if

(01:48:08):
a person in the neighborhood comes up and says, mister
lake owner, I have a hunch that your lake is
overflowing into my house through this pipe because I smell crawdads,
I don't know what they're supposed to do.

Speaker 4 (01:48:23):
Well, even if if there was at one point irrigation
pipe or something from the lake and no one knows
where it is and it was put in fifty one
hundred years ago, I mean, I have no idea what
the lake owner would possibly do.

Speaker 6 (01:48:40):
Or if he's responsible. I have another question for Susan
without a lot of story, but mainly if you have
some answers. If not, I understand, do you know if
that overflow pipe was there before the current lake owner
bought that property.

Speaker 13 (01:48:59):
I do not know.

Speaker 6 (01:49:03):
How long did that lake owner own that property.

Speaker 15 (01:49:07):
They owned it in the sixties.

Speaker 6 (01:49:12):
From the sixties, yes, okay, and they still own it,
yes okay, And we have no idea. See that's another
thing you'd have to establish. If that lake owner says
I bought this lake, is there a house on the
lake or I mean is it just a lake?

Speaker 15 (01:49:34):
No, it's an active property.

Speaker 6 (01:49:38):
Like what do you mean an active like a residence?

Speaker 15 (01:49:42):
No, a business?

Speaker 6 (01:49:44):
What kind of business?

Speaker 15 (01:49:46):
I'd rather not say right now.

Speaker 6 (01:49:49):
Well, then we're going to have to enter our conversation.

Speaker 8 (01:49:52):
It was nice.

Speaker 6 (01:49:53):
I hope you can work it out, but we need
information to continue, and our experts would need information. But
I understand you can. You can pursue this with an
attorney or something. And I wish you the best. I
really do, I I really do three O three seven
to one three talk seven one three A two five five.
You see. I understand people don't want to talk about stuff,

(01:50:16):
but it's a matter of public record, and we we're
not going to pull teeth. We're not going to circle
around and try to play by your rules. Okay, we
need complete information if you want to avail yourself of
our experts. Raina Bias is on and I can she

(01:50:37):
hold through the break or she and or hurry? I
really want to give her more time and I'd rather
hold Let me know, Kashena, please, what's that? Three oh three?
I can't hear what. I'm sorry, tell me okay, thank
you so Raina, thank you so much. I'm going to

(01:50:57):
come back to you because this is really important and
we get your spin on this. We have more coming
right up, Hi, Tom Martino. Rent A Bias is an
attorney at law the Bias Firm dot com ba Yas.
We use her as an expert because she knows a
lot about car laws and warranties and Magnus and Moss

(01:51:23):
and blah blah blah. This is not so complicated. I'm
gonna sum it up, Reina. It can get complicated, but
I'm gonna make it real simple. Ernie did a private transaction.
He bought an RV from a neighbor. Well is his name.
It's not Ernie. I'm sorry, it's my fault. Jerry. So,

(01:51:43):
Jerry bought an RV from a neighbor. And it's a
two thousand and four Gulf Stream RV for forty grand
And it's that simple. Private sale. He found a warranty.
He paid four grand. Well, he didn't pay four grand,
it was four paid by monthly payments. He made a
few monthly payments. The underwriter is called dowc. It doesn't matter.

(01:52:08):
There was the people who sold him the warranty and
then the one who underwrote it. He was having electrical issues.
The refrigerators shorted and caused multiple problems to the tune
of thousands of dollars in repair. The warranty company was
contacted by I guess the mechanic. The underwriter responded by

(01:52:31):
canceling the warranty and said that it's not in effect now, Jerry,
we can't have a lot of narration. I want to
ask you what was the reason they gave you, either
verbally or in writing, as to why they canceled the policy.

Speaker 2 (01:52:55):
They gave me two reasons. One they said they canceled it.

Speaker 7 (01:52:58):
Ter my request.

Speaker 2 (01:53:01):
Two was because they said they could do it, because
they could.

Speaker 6 (01:53:05):
Okay, now I have a copy. I have a copy
of the warranty and basically it's a standard extended warranty standard, standard, standard, standard, standard, standard.
Nothing in it says they can cancel it because they
want to blah, blah blah. It's just like all the
rest of them. There might be some exclusions and then

(01:53:26):
i'm reading. But in general, though, what I understand is
how they just cancel them. What is your first blush
on this RNA.

Speaker 21 (01:53:37):
My first blush is that they can't cancel it. So
it sounds like he was making his payments and he
was doing it on time.

Speaker 7 (01:53:43):
Is that right? Yes?

Speaker 21 (01:53:45):
Okay, so at the time that you can't At the
time that you signed the contract, the idea was that
you would get this coverage even though all the payments
hadn't been made. Right, It wasn't that you had to
pay four dollars to actually write that's right, cancel that's
right exactly.

Speaker 12 (01:54:01):
Well, so it's almost like almost like kind of a loan.

Speaker 21 (01:54:05):
But regardless, it was in effect the first time he
made the payment, and as long as he was current
on his payment, they're not allowed to cancel it.

Speaker 4 (01:54:13):
Well, hold on a second, if let me argue this mark, Well,
just hold on real quick. If this company shows up
because he puts a claim in and they come out
to look at this for the claim and when they
get out there, it's not roadworthy.

Speaker 8 (01:54:28):
It's falling apart.

Speaker 4 (01:54:30):
It's rusted, it's on fire for that matter, whatever it
happens to be. I mean, how does that work then?

Speaker 6 (01:54:39):
And be okay, hold on, hold on, please please let
me clarify something. We understand that the warranty, under normal
circumstances would have been in effect. However, that does not
mean they can't turn down a claim based on exclusions. Now,

(01:54:59):
maybe that's why it was turned down, Okay, not that
it wasn't in effect. I don't think they're arguing that
it wasn't in effect. I think what they're arguing, and
what Mark is getting at, is that they're arguing that
when at the time he bought this it was a
piece of crap.

Speaker 9 (01:55:18):
Go ahead, okay.

Speaker 21 (01:55:20):
So usually there's some sort of exclusion in the contract
itself that says, if this was a pre existing condition,
that they are not going to cover it. Now, you
can argue that they should have come out and looked
at it, and that they were the ones who extended
the contract, so they took it as the vehicle being.

Speaker 2 (01:55:39):
What it is.

Speaker 21 (01:55:40):
But if there is that exclusion, then it is something
to contend with, right, If there is a pre existing condition,
and that's what they're blaming it on they can say
that they're not going to cover. It all comes down
to whatever they are excluding. So you have to just
look at that language carefully.

Speaker 16 (01:55:56):
So are they is that what they're doing?

Speaker 6 (01:55:57):
So I want to ask you something, Mark, you got me?
Let me ask the owner because he's the only one
that really knows. What did they mean it was not
roadworthy when they came out and looked at your RV. Well,
I'm going to ask you, not them, I'm going to
ask you before you had these problems. Was this an

(01:56:17):
RV that was on the road being used regularly?

Speaker 9 (01:56:20):
Jerry yees.

Speaker 2 (01:56:21):
Yes, we live in it full time. We've been to
Texas and New Mexico in it. It's just that one
evening and everything went south on it.

Speaker 6 (01:56:29):
So it was roadworthy, it was registered, it was and
your neighbor before you bought it was also using it.

Speaker 2 (01:56:37):
Correct, he lived in it full time.

Speaker 4 (01:56:43):
Oh wait a minute, Wait a minute, is it possible
on some of these if you're living in it. That's
a whole different kind of insurance. In other words, the
warranty is for something you know, you go on vacation with,
not something.

Speaker 8 (01:56:57):
You live in.

Speaker 2 (01:56:58):
But when I asked gentleman, who sold it to me.
He said, it's fully covered, no matter if I'm on
the road or if I'm setting in an RV park.

Speaker 4 (01:57:08):
Well, that has nothing to do if you're living with it, though,
I mean, Tom, do you know what I'm saying?

Speaker 6 (01:57:14):
Yes, exactly, many times, hold on, many times. A warranty
is meant to be a warranty for a regular RV.
If you live in it, they figure you're using it
too much, and there's an exclusion for people who live
they have to buy a more robust warranty. I don't
know what you're said about that. Actually, Mark, I didn't

(01:57:34):
see the contract, but he's right. There are RV warranties
that won't warranty you if you live in it.

Speaker 2 (01:57:43):
Well, they said they did cover everything, whether I lived
in it or not, because my wife works and we
traveled to different areas for her work.

Speaker 6 (01:57:52):
So they said, what do you mean? They said, what
does that mean?

Speaker 2 (01:57:56):
They said when I purchased the insurance to the Jema said,
you know, we live in it.

Speaker 6 (01:58:02):
No, it doesn't matter, No, no telling him, hold on,
I don't want to go there, Jerry, I understand nothing
anyone says truly. Okay, and Jerry.

Speaker 2 (01:58:14):
That's one reason we call.

Speaker 6 (01:58:15):
Jerry, Jerry, Jerry, please listen to me for the future,
at least unless you can absolutely positively prove each and
every word that would lead to fraud in the inducement.
It is a waste of time to talk about what

(01:58:36):
you talked about. Okay, it really really is. Okay, then
let's not talk about it. Let's talk about what the
warranty says.

Speaker 4 (01:58:48):
Well, I can tell you right now the warranty that
he has our V Guard, their limited warranty does not
cover r v's.

Speaker 8 (01:58:56):
That are used full time as primary ray.

Speaker 6 (01:59:01):
Now where do you see that mark?

Speaker 8 (01:59:03):
I see it on their website, But.

Speaker 6 (01:59:07):
Did you see it in the contract. I'm just curious.
I'm not well, I didn't.

Speaker 4 (01:59:10):
Agree now the contract. First of all, the one I have,
I can't even read the middle of it. And then
for some reason, it looks like he blacks the stuff out.

Speaker 2 (01:59:20):
That's the one.

Speaker 4 (01:59:22):
But listen, here's the bottom line. I've never looked at
one unless if you buy full time insurance, and you
know you're talking like homeowners, it's five six grand whatever
it is a year. I have never seen an RV
a recreational vehicle extended warranty that covers stuff you live in.

Speaker 8 (01:59:42):
I've never seen one.

Speaker 2 (01:59:44):
Well, that's through my primary insurance. My primary takes care
of it as a home. My warranty takes care of
anything from the ball.

Speaker 4 (01:59:52):
You're totally missing what I'm saying. When you buy a
warranty like you did through our v guard, if you
live in it, it voids the warranty.

Speaker 6 (02:00:03):
See, it could be it could be that that is
an exclusion. Here's what I would do. Here's truly what
I would do, because there's a lot of money at stake.
What I would do is hire You said you could
not find an attorney, not one who would read the
contract and give you an opinion, right, And I said,

(02:00:25):
what do you mean you can't find an attorney that
would take an hourly rate and read a contract? And
you said, I can't find one. So, Jerry, I'm going
to ask Reina if he wanted to hire you simply
to interpret the contract and the denial. I mean, would
you do that on an hourly basis?

Speaker 21 (02:00:47):
Yeah, we offer hourly consultations, so if it's one hour,
five hundred dollars. I spent a half an hour looking
at the contract and then I talked to you about
your case and how good it is.

Speaker 16 (02:00:57):
Yeah, we do that on a regular basis.

Speaker 6 (02:01:01):
And and Jerry, there we go. Let's start there. Because
no matter what the website says, no matter what you say,
he said, no matter what I say, what's going to
matter is the contract. Okay, can I add one more thing?

Speaker 12 (02:01:19):
And if we you know what I really need?

Speaker 21 (02:01:21):
Yes, raa, Jerry is going to call me or anybody's
gonna call me. I really need a denial. Right, we
got to show what are they actually saying is the
reason that they're canceling the contract? That piece of paper
is going to go along way.

Speaker 8 (02:01:33):
He doesn't have one, He doesn't have a denial?

Speaker 6 (02:01:38):
He did so, Jerry, how do you know it was.

Speaker 2 (02:01:40):
Canceled because they sent me an email?

Speaker 6 (02:01:45):
Okay, so you do have a denial, have a.

Speaker 16 (02:01:47):
Copy of it?

Speaker 2 (02:01:48):
Yes, you should have a copy.

Speaker 6 (02:01:49):
Well I don't. I don't.

Speaker 8 (02:01:52):
There's a native middle email. The emails say that you
canceled the warranty.

Speaker 2 (02:01:58):
Well, I'm reading an email now, I says the rep
the three hundred and twenty one seventy five has been
made to your account per the contract being canceled by you. Well,
and I didn't care you.

Speaker 22 (02:02:11):
Contract and they never denied anything. They're saying he canceled
it to and what do they they say? They say
that you canceled the contract.

Speaker 2 (02:02:23):
That was the first one.

Speaker 9 (02:02:24):
Yes, I and you.

Speaker 6 (02:02:27):
Didn't send that to you didn't send that to us.
But you have to send it to Raina.

Speaker 2 (02:02:33):
Okay, I thought I had it sent to you.

Speaker 6 (02:02:35):
Sorry about that now you said hold on. You said
that was the first one. What was the second one?
What was the second one?

Speaker 2 (02:02:44):
If they canceled it due to the fact that they
could at any time.

Speaker 6 (02:02:51):
That was that they said that in writing, Yes, I'm
looking for it. So they sent you an email. Is no,
we canceled your warranty because we can cancel at any
time for any reason. Correct, Okay, I want you to
send both of those emails along with the contract to Raina.

(02:03:15):
We're gonna put you in touch with her because truly
we've gone as far as we can. I'm Tom Martino,
by the way, the Bias Firm dot com. Let me
give you the number seven to zero five five two
sixty sixty two. Hi Tom Martino here three h three

(02:03:41):
seven one three talk seven one three two five I Dwayne,
I'm so sorry for the weight man. What's going on?

Speaker 9 (02:03:47):
Dwayne?

Speaker 12 (02:03:49):
Hey? How you doing? Tom good?

Speaker 6 (02:03:52):
I'm sorry for the waight Dwayne?

Speaker 7 (02:03:54):
We oh it's all good.

Speaker 6 (02:04:00):
Just what's going on?

Speaker 16 (02:04:00):
Wait while I wait before we're good?

Speaker 12 (02:04:03):
Well, we bought I bought an MKC Lincoln from Otto
Savvy a few years ago.

Speaker 6 (02:04:09):
And oh that's the one you said, did you send
all those pictures?

Speaker 7 (02:04:14):
I did?

Speaker 6 (02:04:16):
Oh my god. Now let me ask you something. When
did you discover When did you buy it?

Speaker 12 (02:04:26):
I think it was April of twenty twenty three?

Speaker 6 (02:04:35):
Okay, care, Now when did you tell your story you
bought this link? And how many miles were on it?

Speaker 12 (02:04:45):
Like nineteen thousand?

Speaker 3 (02:04:49):
Okay?

Speaker 6 (02:04:49):
So what's going on?

Speaker 12 (02:04:51):
And well, right away I drove it down the road
and friend in um rattled like the A frame was
going to fall off, and so I took the back.

Speaker 6 (02:05:00):
What do you mean right away? What do you mean
right away on the test drive?

Speaker 7 (02:05:05):
No?

Speaker 12 (02:05:05):
I mean after I bought it.

Speaker 11 (02:05:08):
The test Did you.

Speaker 6 (02:05:09):
Have it checked out before you? Did you? Did you
have it checked out before you bought it?

Speaker 9 (02:05:15):
No?

Speaker 6 (02:05:17):
Okay, So then what happened after you felt this rattling? I?

Speaker 12 (02:05:22):
Uh, I took it back. The guy rode to me
and said, yep, you're right. So they put on a strut,
didn't it did not fix it?

Speaker 6 (02:05:33):
How long after? How long after you bought it? Did
you notice this rattling?

Speaker 12 (02:05:39):
About a week?

Speaker 6 (02:05:42):
Okay? So and then the guy put on a strut
and it didn't work? Then what.

Speaker 12 (02:05:51):
So I called him and told them and I took
it back. They were going to take it to a
body shop.

Speaker 16 (02:05:57):
I waited for.

Speaker 6 (02:05:58):
Now, let me ask you something? Did you so?

Speaker 7 (02:06:01):
So?

Speaker 6 (02:06:01):
Apparently it was under some kind of warranty.

Speaker 12 (02:06:07):
Oh, it has just a short warranty of how long.

Speaker 9 (02:06:15):
I went go ahead of?

Speaker 14 (02:06:17):
Yeah, I did a little research auto Savvy and a
couple of very interesting things came up. So, first of all,
their vehicles do come with a four month, forty five
hundred mile warranty. But what's even more significant about Autosavvy
is they specialize in what they uphemistically call branded title vehicles, oh,
which means they're all salvaged vehicles.

Speaker 6 (02:06:35):
And they.

Speaker 14 (02:06:37):
Yeah that the term branded title vehicles appears many many
times throughout their website. Oh okay, so that's important background
to this.

Speaker 6 (02:06:45):
Okay, Now, so it's it's they don't pretend it not
to be They say it's a branded.

Speaker 14 (02:06:52):
Title, yeah, and they advertise it like a really big
positive for the consult.

Speaker 6 (02:06:57):
It can be a big positive because if you want
to keep a car and you're not thinking you're going
to get a lot of money on trade or selling,
a branded title or a rebuilt from salvage is not
always crap. It can be crap. It's not always crap.
Sometimes it's a way to own a really nice car
way cheaper. But I don't want to go there right now.

(02:07:17):
What I want to know is this. You had a problem,
they tried to react to it. That was in twenty
twenty three. What's going on now?

Speaker 12 (02:07:29):
Well, actually that went on.

Speaker 6 (02:07:32):
Did they ever fix that rattling in the front by
the way, did they ever fix it?

Speaker 9 (02:07:37):
No?

Speaker 12 (02:07:38):
I believe I took it back to home eight times
and they finally just said that we can't fix it
and it's your problem now.

Speaker 6 (02:07:48):
Yeah, which, of course it is crudging by these pictures.

Speaker 8 (02:07:52):
I mean, it looks like the frame is broke in
all kinds of.

Speaker 6 (02:07:55):
Problems, but it is a they're terrible pictures. Here's the problem. Though,
Dwayne had every right to have that inspected and to
find those problems before he bought it. I mean, this
is a terrible situation, but Dwayne walked into it. I
mean I don't see did they what did they do?
What did they they lie to them? Did they cheat him?

(02:08:17):
Here's what I want to know. If it was under
warranty and they couldn't fix it under warranty, why didn't
you fight it? Then?

Speaker 7 (02:08:27):
Well we did.

Speaker 6 (02:08:28):
We got to take a break. I'll come right back.
I'm Tom Martino three oh three seven one three A
two five five. Hey Tom Martino here three oh three
seven to one to three talk. Okay, So Dwayne, listen, man,
what why didn't you when they didn't honor the warranty?

(02:08:51):
Why couldn't you like do something?

Speaker 9 (02:08:53):
Then?

Speaker 6 (02:08:53):
Real quick?

Speaker 12 (02:08:55):
Well, I did go and see them several times. They
kept assuring me fix it. I don't know if I
mentioned it, but it took it back multiple times.

Speaker 6 (02:09:05):
No, no, I know eight times. But then but then
the warranty expired. True, okay, So what do you want now?

Speaker 12 (02:09:17):
I just didn't know if there was any recourse. I
had the pictures I sent you, we would annow you might.

Speaker 6 (02:09:23):
Want to see rain a bias and get a consultation.
I personally think it's gonna be very difficult because you
bought it as is. They clearly disclose its salvage. You
could have had it checked out and all of that.
And now I'm not chastising you. I'm saying it could
be you have recourse, but it's gonna be it's gonna be, uh,

(02:09:44):
pretty difficult, man. I mean, it's gonna be very difficult.
But I would go to Raina and ask her. I mean,
the thing is a piece of crap, brother, it is. Well,
what do they say about all your pictures?

Speaker 12 (02:10:05):
They didn't reply, Hey, does.

Speaker 6 (02:10:12):
Anybody want to Hey, I want to know something. Does
anyone want to take a stab at trying to negotiate
something with these guys? I mean, this guy doesn't have
a prayer in my opinion, But what do you think
anybody want to take a prayer. I think I think
we ought to let him talk to Reya first. I'm

(02:10:35):
Tom Martinez three or three seven one three two five five.
Don't forget people. You can text me at any time
at seven four seven nine fifty two eighty seven four
seven nine nine nine fifty two eighty don't forget. Referral
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