The Troubleshooter 11-07-25

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped up.

Speaker 2 (00:07):
You need advice, so you don't have.

Speaker 1 (00:12):
Come run in as as we can.

Speaker 2 (00:16):
Shooter's gonna help come Max.

Speaker 3 (00:20):
He is the Troubleshooter Show. Now Tom Martinez, Hey, Hey, hey.

Speaker 4 (00:25):
Tom Martino here, Welcome to the show. Three oh three,
seven to one three. Talk is our number seven one
three eight two five five where we're solving problems, answering questions,
taking complaints. Today's car Day. Got my car experts here,
Kevin call him from Sheridan Auto Tech, Jeffick Camera transmissions.
We're talking to any and all car problems plus any
other problems you have. Like Ken, he has an issue

(00:45):
with his grand His granddaughter has an issue.

Speaker 5 (00:48):
I guess he needs some help. What's going on with you?

Speaker 4 (00:51):
Ken?

Speaker 5 (00:51):
What's happening?

Speaker 6 (00:53):
Good morning?

Speaker 4 (00:54):
Hey? What's going on?

Speaker 6 (00:56):
My granddaughter was denied job for bad credit?

Speaker 4 (01:01):
Yeah, that can happen and.

Speaker 6 (01:04):
Sound as she was turned over to collection agency.

Speaker 4 (01:08):
What kind of a job, What kind of a job
was she looking for?

Speaker 6 (01:12):
Well, we think there was multi level market ponzie scheme,
but thank goodness, she didn't get involved in that.

Speaker 4 (01:25):
But she did they.

Speaker 5 (01:26):
Tell her though? Did they tell her they didn't want
her because of her credit? Score.

Speaker 6 (01:31):
Yes, Well, basically she had to be able to buy
and buy their product to sell it, and that was
the problem. But I think she's well away.

Speaker 5 (01:44):
No, No, I'm glad. I'm glad she didn't get that job.

Speaker 4 (01:47):
But they did she know they were doing a credit
check on her?

Speaker 6 (01:52):
Oh, I'm sure she did. I'm sure she did.

Speaker 4 (01:56):
And so what are you calling about?

Speaker 6 (02:00):
Once, once she found out she had something on her
credit report, she called this.

Speaker 5 (02:10):
The Oh she wanted to know what it was. Yeah,
So what did she find out?

Speaker 6 (02:14):
Well, when she called the collection the agency, obviously they
had no bill available and it was from twenty twenty
and she works for the company who turned over the
bill for collection. So she used her social security number
to access records from the original account and found thirty

(02:35):
one hundred dollars bill with the name, address, phone number,
and so security number of an out of state person.

Speaker 5 (02:44):
Let me get this straight.

Speaker 4 (02:45):
She they were alleging she owed thirty one hundred dollars, Yes,
and what did she owe this money for?

Speaker 5 (02:54):
What was it for?

Speaker 6 (02:55):
Well, it would be medical, a.

Speaker 4 (02:59):
Medical bill, yeah, yeah, And did she really did she
recall having some kind of medical issue that she didn't pay.

Speaker 6 (03:08):
Well, this wasn't her bill? When she when she accessed
this access to records with her social Security number, it
brought this bill up.

Speaker 4 (03:20):
Okay, but did she get a free did she get
a free credit report that she's entitled to?

Speaker 6 (03:26):
Well, no, she didn't do any event.

Speaker 4 (03:29):
Well, that's what she needs to do, ken, because it
may not be on a real credit report. It might
just be coming up under the social security number, but
not beyond her credit report.

Speaker 7 (03:39):
Well, she needs to.

Speaker 4 (03:40):
Get she is entitled to a free copy of her
credit report from each agency once a year.

Speaker 6 (03:49):
Well you know where a whare of that?

Speaker 4 (03:51):
Okay, that's what she should do, and then she should
make corrections to each of those entries instead of chasing
this down because this may not even show up.

Speaker 6 (04:01):
Well, she she talked to this person whose name came up?

Speaker 4 (04:06):
Okay, how'd she find how'd she get to talk? How'd
she talk to this person?

Speaker 6 (04:12):
Well, when she accessed the records, she got the bill.

Speaker 5 (04:17):
How did she access the records with.

Speaker 6 (04:20):
Her she went through It would be her account with
her social security not.

Speaker 5 (04:27):
What do you mean her account her credit report?

Speaker 6 (04:31):
No, the account was her.

Speaker 8 (04:35):
Through the bank.

Speaker 4 (04:39):
Can My problem is I don't understand what you're saying
what account did she access where she found someone else's
name and number? What account was it? Was it a
credit bureau account? Was it a medical account? What was
it a credit card account?

Speaker 9 (04:56):
When you said she accessed account?

Speaker 4 (04:58):
Okay, she had a medical account with a clinic and
she accessed it online. Yes, how did she access it online?
She must have had a log in. Was it like
one of the one of the health care portals and
she had a log in her name and password?

Speaker 6 (05:16):
Yes, yes, she had her name attached.

Speaker 5 (05:18):
To Okay, got it.

Speaker 4 (05:19):
So she put her name and password in, she got
her account and found that someone else was on her
account exactly, and that someone else racked up a bill
for thirty one dollars that was not paid. Yes, okay,
she needs to let them know at that health care
facility it is not her.

Speaker 10 (05:38):
Bill he did.

Speaker 6 (05:40):
Okay, she has done that. And now what she talked
to that person out of state?

Speaker 4 (05:46):
She had no business. That was way off base. But anyway,
what happened was she talked to that person.

Speaker 6 (05:52):
That person can't access her own account because it's under
my granddaughter's so okay, and she had no idea she
owed that.

Speaker 5 (06:03):
Okay.

Speaker 4 (06:04):
So this person who racked up that thirty one bill
is not a scammer, it's it's a It's okay, good,
So what are you doing about it?

Speaker 5 (06:13):
What is your daughter doing about it right now?

Speaker 6 (06:16):
Well, that's that's what we need to know. Your daughter
financial office of the billing company, and they told her
it's turned over to collections, so they can't do anything.

Speaker 4 (06:27):
You're not trying to do anything about the collection. Let
it go to collections against this woman. What you're trying
to do is do your I have a I have
an online portal for almost every major organization I've dealt with.

Speaker 5 (06:41):
You see health as one of them.

Speaker 4 (06:43):
Another health agency would be another one. And what you
need to do. All she needs to do is go
to that agency where she signs in with a username
and password and tell those people there is someone else
on her account because of her Social Security number. That's
where you straighten it out. She does not have to

(07:05):
straighten out collections. She does not have to straighten out
that other person. She simply has to get her off
her account. That's all she has to do. Let that
other person worry about the money and whether it's old
or not. Your daughter doesn't have to do that nor
does your daughter have to get that other person access
to her account. So what you need to do is
tell your daughter to call the agency. I don't know

(07:28):
which agency she logs into. I don't know what it is.
Health one, you see health it could be I mean
there's so many health Okay, wherever she logs in, she
needs to contact those people to tell them.

Speaker 5 (07:43):
And she makes it very strict.

Speaker 4 (07:45):
She says, listen, under hippo laws, this is a violation
someone else. Someone else is using my social Security number.
You need to protect my account. That's what she needs
to do. Find out where she's signing in and have
her go there. Ken, Really, we can't do anything else.

(08:05):
She's got to go there. Stop wasting her time with
a collection agency, Stop wasting her time with the other person.
She needs to go where she logs in and get
that person off her account. That's all she needs to do.
I promise you it's going to be that easy. Three
oh three, seven to one three talks seven one three,
eight two five five. Welcome to the Only Show. If

(08:26):
it's kind of anywhere in the universe and Susan's got
a problem with contaminated guest, Susan, we could have our
car experts way in on this. Where'd you get contaminated gasoline?

Speaker 6 (08:39):
O's see, I.

Speaker 11 (08:40):
Don't really know if it's contaminated. I found out after
four months a mechanic fminally diagnosed. She said that's what
it is. After five mechanics and tone it eight times
and anyway, so he says it's contaminated. I need six
field injectors, and I need a Cadillac converter, which you
did show me. It's burnt on the left side, not
the right, the right side spine. So it's seven thousand

(09:03):
dollars to get that fixed. I just got this car.
It makes car payments on it. I haven't even gotten
emissions on it, and I haven't driven it only one
week since.

Speaker 4 (09:12):
I've gotten it. Oh my goodness.

Speaker 11 (09:16):
That's the end part of it.

Speaker 4 (09:17):
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(10:58):
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That's Denver Regen dot com. Okay, now, Susan says her

(11:19):
Cadillac converter went out. No, all kidding aside, by the way, Susan,
we're just joking. As a catalytic converter, you have a
twenty eleven FX thirty five Infinity. What we want to
know is this, when did you first discover the problem
and who did they actually tell you it was contaminated gasoline.

Speaker 11 (11:41):
I just discovered the problem two days ago, after four
months of everybody looking at it and taking my mind.

Speaker 4 (11:48):
Okay, that's the problem, four months of contaminated gas. Eventually, guys,
if she had a contaminated gas issue, would it last
four months?

Speaker 8 (11:58):
Carl typically won't even run.

Speaker 5 (12:01):
How was it contaminated? Do you know, Susan?

Speaker 11 (12:05):
Well, I just found I don't know if it was
contaminated this. I don't even know if it's contaminated.

Speaker 6 (12:10):
That's what he just told me.

Speaker 4 (12:12):
Okay, okay, And second, I don't think it is. I
don't think I think you have another problem. What tests
did this guy do to determine you had contaminated gasoline?

Speaker 11 (12:24):
Well, when I was over there, I went over there
the other day so he could tell me the problem.
So he looked at the car up and then he said,
when he got into the gas tank, something to open
it up, or he saw this black fludge leak out
onto the brown And he goes, Sue, I don't know
what that is and.

Speaker 5 (12:44):
Where did it? Where did it leak.

Speaker 11 (12:46):
From when he opened up the the camera of the
gas tank? What the bottom of the gas tank?

Speaker 4 (12:57):
Did she say? Camera? Ye?

Speaker 5 (13:00):
What does she mean?

Speaker 11 (13:01):
He put.

Speaker 8 (13:04):
More scope to take a look at Oh, and.

Speaker 5 (13:06):
He said, there's black sludge in there.

Speaker 8 (13:08):
Yeah.

Speaker 11 (13:09):
Hey, I'm I'm her roommate. So I'm gonna I'm going
to help out here.

Speaker 4 (13:14):
Okay, Okay, basically we we really can't what what is
she calling about? Did she pay for repairs or something
that she doesn't like her?

Speaker 5 (13:25):
What's the issue today?

Speaker 11 (13:27):
Well, the issue is I'm trying to figure out. First
of all, it's really contaminated, guess, and I need six
fuel injectors. And if that I get it. When Infinity
told me that it was my fuel pump and they
said I need a fuel pump too, Infinity just said
I need fuel pump and they didn't really go into

(13:48):
the car. That costs more money.

Speaker 4 (13:51):
I don't know. I'm just okay, I understand. I understand.
You're just flabbergasted. What are the symptoms. Let's just get
down to that. What are the symptoms?

Speaker 11 (13:58):
Okay, okay, uh stalling, rough, idoling, peel one kept coming up.

Speaker 4 (14:08):
That's that's the code.

Speaker 8 (14:09):
What is that lean condition?

Speaker 4 (14:10):
Lean condition?

Speaker 5 (14:12):
Do you think it's contaminated fuel guys?

Speaker 8 (14:14):
It's entirely possible. But if Infinity checked it and sent
it a fuel pump, it's probably because it put a
gauge on it and it had low.

Speaker 4 (14:20):
Pressure diagnosed recently.

Speaker 5 (14:24):
Where's the car right now? Is it driveable?

Speaker 4 (14:27):
No? It's not.

Speaker 11 (14:28):
I had to get it told back to my car port.

Speaker 4 (14:31):
Okay, you're gonna hate what I say, but you got
to take it to one of my people here. I mean,
if you take it to share it in an auto tech,
I'll bet you they'll find the problem in thirty minutes
or less. Thirty minutes or less, they'll find the problem.
It'll be honest, it'll be accurate, it'll be right. They'll
be able to tell you what it is and how
much it'll be to fix. But you got to get

(14:51):
it over there. What is it going to cost to
get it over there?

Speaker 5 (14:53):
keV?

Speaker 8 (14:54):
Well, I mean if she wants to, I'm sorry. If
she wants total the we'll check it out for I
won't start the look at it. He's been through.

Speaker 4 (15:01):
They won't charge to give you a diagnostic, Susan, if
you can get it over to Sheridan Auto Tech.

Speaker 5 (15:09):
Do you have a toe company you work with?

Speaker 8 (15:11):
Well, we work with But if she has triple A
or something you know, can you.

Speaker 4 (15:15):
Can you get it towed to? Uh Sheridan Auto Tech.
It's on Colfax west of Wadsworth.

Speaker 12 (15:22):
Oh wow, that's pretty cool.

Speaker 11 (15:25):
I mean I can get it toe there where you located?

Speaker 4 (15:27):
Where you located?

Speaker 5 (15:32):
Oh wow? Well hands On Auto Tech.

Speaker 4 (15:39):
Hands On Auto Tech is up there near Loveland, and Tom.

Speaker 5 (15:45):
Is up there.

Speaker 4 (15:46):
He's good and he's a really good guy. If you
called hands On Auto Tech and told him that, in fact,
you know, we can call him for you, Hey, Katchina,
call hands on Auto Tech. See if Tom's a round
and Susan, Susan, he would take a look at it.
And you can really trust this guy. He's a really

(16:06):
good guy and he runs a great shop.

Speaker 13 (16:08):
Now she's bouncing it out of four or five shops here, obviously.
If you've received recommendations from Infinity for a fuel pump,
I don't know what the other guys recommended.

Speaker 8 (16:16):
Have you performed any of these repairs?

Speaker 1 (16:20):
Yeah?

Speaker 5 (16:20):
In other words, when they were did you do the
fuel pump?

Speaker 6 (16:24):
Yes, yes, that's the.

Speaker 5 (16:28):
But you still you did a new fuel pump.

Speaker 11 (16:32):
That's the same pace. Yeah.

Speaker 5 (16:34):
I wonder if they really did it for her.

Speaker 8 (16:36):
I mean they have seen how magician.

Speaker 5 (16:38):
How much have you spent so far?

Speaker 4 (16:40):
How much have you spent so far chasing this problem?

Speaker 11 (16:44):
Probably over?

Speaker 4 (16:47):
Oh no, no, no, no, no, there okay, there's something
terribly wrong.

Speaker 5 (16:51):
There's something terribly wrong.

Speaker 11 (16:53):
Yes, I know there is, and it's really depressed me.
Let me tell.

Speaker 4 (16:56):
You, no, no, no, we got to get to the
bottom of this. We need someone to go top to
bottom on that car and to and to figure out
what it is. Hold on a second, Okay, by the way,
we invite your calls on any and all problems. We're
gonna come back to Susan. If we can get Tom
just to weigh in. Maybe he'll take a look at
not maybe I know he'll take a look at it.

Speaker 5 (17:14):
This is ridiculous.

Speaker 4 (17:15):
I did not realize you spent twenty three hundred bucks already.

Speaker 13 (17:19):
Well, and this is where it's important to develop a
relationship with a mechanic.

Speaker 4 (17:23):
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(18:27):
Martine here, Welcome to the show. All three seven one
three tok seven one three eight two five five. Susan
is not sure what's going on, but she spent twenty
She spent twenty three hundred dollars chasing this. My friend
Tom up at Hands On Auto Tech. Uh, we've been
sending quite a few people from up north to him,

(18:49):
and Tom Agio is on the phone right now and Tom,
I want to bring up Susan.

Speaker 5 (18:56):
Hey, Susan.

Speaker 4 (18:57):
So it started out with driveability issues. They said they
saw sludge in the gas tank, but you took it
to the dealer who said they didn't see any right,
And then they said you needed a fuel pump, and
you had a fuel pump done. What else did you
have done to no avail? Your car is still is
still not driveable. What else have you had done?

Speaker 1 (19:19):
Yeah?

Speaker 4 (19:19):
I can.

Speaker 11 (19:20):
I just the whole thing started with a fuel pump
because the computer said I had gas. I didn't have
gas when I first got this car. It ran out
of gas, so it ruined the fuel pump. I got
a new fuel pump here in Lafayette and they put
a new one in. And then after I took it
down Penny and everybody else, and I told those guys

(19:41):
it was the Infinity said it was the fuel pump.
So I took it back to these guys. They said,
Infinity says fuel pump. And then they told me, no,
she it's the throttle body. So I just bought two
new THROATEI bodies, which is five hundred and forty five dollars,
and then they put it in, which coused me another
three hundred. Wait a minute, so.

Speaker 4 (20:00):
You did it three?

Speaker 5 (20:01):
You did a throttle body or two?

Speaker 4 (20:03):
Why two? Why one of them?

Speaker 5 (20:06):
And did they charge you for both of them?

Speaker 11 (20:10):
Yes?

Speaker 4 (20:10):
And then wait, wait, wait, Susan, why would they charge you?
Why would they charge you for two throttle bodies? If
they bought you one and it didn't work, they should
replace it.

Speaker 11 (20:21):
No, they no, they didn't buy me that. They got
me a new fuel pump. But they won't warrantye the fuel.
They won't honor the fuel pump now because they said
my guests contaminated. But I didn't even I only need
he said, I too. When I want to go pick
the car up the other day, he said, Sue, I
think you only needed one throttle body, but I wasn't
quite sure, so I got you to get too.

Speaker 4 (20:42):
What what does that mean? I'm not sure you need
one or two? Are there two throttle bodies on a car?
It doesn't even make sense to me. They said you
might need both throttle bodies. Two throttle bodies.

Speaker 6 (20:57):
I never even heard of such a thing.

Speaker 7 (20:59):
Her own parts too.

Speaker 5 (21:01):
Yeah, I know it's weird.

Speaker 4 (21:02):
Tom. Hey, Susan, I want to ask your bottom line
right now?

Speaker 5 (21:06):
Does your car run on?

Speaker 11 (21:10):
Yeah, but the warranty's on the fuel pump too, And then.

Speaker 4 (21:13):
I'm asking you does your car run?

Speaker 8 (21:15):
I don't know this. You need the fuel pump?

Speaker 5 (21:17):
Does your car run?

Speaker 11 (21:19):
I don't need this.

Speaker 5 (21:20):
No, No, it does not run.

Speaker 11 (21:24):
No it will it will. It will start for a second,
and we'll stay started. And I can't drive it because
I could die in that thing, because it could install
at anytime.

Speaker 4 (21:34):
All right, Tom, do you have a way You're in
Lafayette right?

Speaker 6 (21:39):
Yeah?

Speaker 5 (21:40):
Where in Lafayette?

Speaker 4 (21:41):
Roughly over off A two eighty.

Speaker 11 (21:46):
Seven in South Boulder Road.

Speaker 4 (21:48):
About how far is you from you? Tom Agio hands
on Auto Tech.

Speaker 8 (21:54):
So we have a.

Speaker 7 (21:55):
New location, Tom, I haven't had a chance to tell
you guys about it yet, but I'll be on the
show next week to talk about it.

Speaker 5 (22:01):
Good.

Speaker 7 (22:02):
We're actually up in Need now and I think that
puts her maybe what thirty minutes from our location?

Speaker 4 (22:08):
Oh wow, you so do you have a brand new
location in Need?

Speaker 7 (22:13):
That's correct. We have twice the size now to help
because we just couldn't handle all the clients. We became
very popular and so well.

Speaker 4 (22:22):
You're popular.

Speaker 5 (22:23):
You're popular because you're honest.

Speaker 4 (22:26):
Do you have a toe company.

Speaker 5 (22:27):
You work with?

Speaker 7 (22:29):
Monarch Towing is who I would recommend.

Speaker 4 (22:33):
Monarch Towing the butterfly. What would you do?

Speaker 1 (22:36):
Tom?

Speaker 4 (22:36):
She's had nothing but trouble and they can't find the trouble.
And I told them that you they need she needs
someone like you to go through it all to see
first of all, did they do what they said? And
did it need what they said? And what is wrong
with it? You do that, that's the kind of thing
you do. You troubleshoot stuff really well.

Speaker 7 (22:57):
Yeah, And I'd love to see invoices. Maybe she can
eat fiel me Lee invoices at hands on Auto Tech
at Yahoo dot com. Maybe there's a third party warranty
we can file a claim through.

Speaker 5 (23:09):
So, Susan, we're gonna wit.

Speaker 4 (23:12):
Really, you're in, really gonna be in a good hand
right here with Tom Agio at hands on Auto Tech
and Mead and it would be worth it to get
your car to him and to let him just get
to the bottom line. And I guarantee you once you
take your once you take your infinity to Tom, you're
gonna be calling back saying Tom was great, they found

(23:33):
the problem, they fixed it.

Speaker 13 (23:35):
Okay, I'm moreover you to embrace that relationship and start
going to one mechanic. Bouncing in and out of four
and five is nothing but trouble.

Speaker 5 (23:42):
Right, nothing but trouble.

Speaker 4 (23:43):
So you want to go and really get someone you
can trust. Tom Mozio hands on Auto Tech and the
email is hands on Auto Tech at Yahoo dot com.

Speaker 5 (23:53):
Is that right, Tom?

Speaker 7 (23:55):
You got it? That's correct?

Speaker 4 (23:56):
Hands On Auto Tech t E. C. H. Hands On
Auto Tech at Yahoo dot com. And I'm going to
give his number Kashina make sure she gets the number
off the air seven to zero three four zero forty
twenty four seven two zero three four zero forty twenty
four for all our people up north there. You're gonna

(24:18):
love to have that. Okay, we did take the thirty,
right obviously, right, Okay, good, so I can take Mike. Mike,
what's going on? You've called many times on this fifty
seven Chevy.

Speaker 5 (24:30):
I'm trying, I'm trying. What are you laughing?

Speaker 8 (24:33):
Ack?

Speaker 5 (24:33):
Do you do you know about him?

Speaker 4 (24:34):
Tell me?

Speaker 5 (24:35):
What do you recall about his problem?

Speaker 14 (24:37):
Well? I recall that he calls about once every couple
of weeks and going on, I mean, I think forever,
and it seems to be the same problem that he's
trying to diagnose on the phone, but he won't take
it to a mechanic.

Speaker 4 (24:49):
Okay, what Mike, if you could help me here, what
was your original problem that you called about with your
fifty seven Chevy.

Speaker 15 (24:59):
Yeah, the engine would cut out if I pushed the
gas pedal down half an inch. But don came from
Lockbooy with a duell meter and feeler gauge.

Speaker 4 (25:11):
Oh that was a guy that called the show right
and said I work on old cars.

Speaker 6 (25:15):
Yeah.

Speaker 15 (25:16):
He set the points with a duel meter and a
feeler gauge and now the car runs smoothly.

Speaker 5 (25:20):
Wow, I am so happy. Get my dinger out? Will
you drag it?

Speaker 4 (25:25):
I'm not at my home studio, so I don't have
my dinger. That's not a dinger. Let's come on, bro here,
Mike the dinger. Good sir.

Speaker 5 (25:37):
Hey, I'm really happy about that. Mike. That's good, and
thank you for letting us know.

Speaker 15 (25:42):
Guys, what wanted me to pass that along to you?

Speaker 5 (25:45):
Good? Good, that's done a good smarrig.

Speaker 14 (25:48):
Is Don a mechanic or is he a hobbyist who
just happened to help out with Mike's problem?

Speaker 15 (25:52):
He likes to work on older cars, I think, But
is he in business of doing that? I don't think so,
he's retired.

Speaker 5 (26:00):
Just a good guy.

Speaker 14 (26:01):
Yeah, that's awesome. That reached you guys.

Speaker 4 (26:04):
Do you guys work on older cars.

Speaker 8 (26:05):
Kevin, I do a lot of my text don't. They
weren't even born when points were in cars. God, carburetors.
They it's you know, they're thirty years old. Carburetors stopped
using him thirty years ago, so they don't know how
to work on them.

Speaker 4 (26:19):
No, but imagine that a dwell meter. That's been so
long since I I even.

Speaker 8 (26:25):
I've got one tuck somewhere in the bottom of a
drawer that we haven't touched in forever.

Speaker 5 (26:29):
And a dwell meter reads the opening right.

Speaker 8 (26:32):
Yep, the degrees have open. Yeah, you want about well
each car you don't need a feeler gauge or the
dwell meter is more exact than the feeler gates and
you can on a Chevy you can adjust it while
it's running, or a Ford you got to take the
cap off and set the point.

Speaker 4 (26:47):
And there are even mechanics listening right now that have
no idea what we're talking about.

Speaker 8 (26:50):
No, nope. Yeah, it's got a little window and a
distributor cap. You can put a little rent in there,
and you can adjust the points while it's running with
a dwell meter.

Speaker 5 (26:58):
And if the points are not adjusted, it properly.

Speaker 8 (27:00):
Difference on a points to car points ignition. Yeah.

Speaker 4 (27:03):
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to seven to one help. You'll think you're his only

(28:16):
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two. Hi, I'm
Tom Martine. You're a trouble feeder with my car experts.
Give us a call if you want to talk cars
or anything. Actually, you can talk anything you want. If
you have a problem, question and complain. If you're wondering
what to buy, when to buy, where to buy, why

(28:37):
to buy, who to avoid? We do it all here.
You know, this really is the only show of us,
kind of anywhere like this. And the other day people
were spanking me on texting for swinging into politics and
I was just getting and really I didn't mean to
get into politics as far as trying to convince you
who's right and who's wrong. What I really try to
do is understand people's perspective on things. Right now, now,

(29:00):
all I know is this the government shutdown to screw
on us. I hope to god you guys aren't traveling
in the next couple of weeks. Now, this may be,
may be resolved, who knows, but god, it's getting it
when it gets into the air travel now, you know
everybody's being affected by that. We got kids at college
that want to travel, we have ourselves that want to travel.

(29:21):
And with coming holidays, how long do you think this
shutdown will last? And again I'm not assigning blame. I'm
just saying how long is it going to last? I
want to talk about something that I was talking about
during the break too, Ai. Photoshop used to do it.
It would take the wow, it would take the ooh

(29:42):
and the ah out of photography. You remember when you
would see a picture and say, holy crap, how did
they do that? And then photoshop came along and you
would look at it and think photoshop.

Speaker 5 (29:58):
And now you think Ai. And Dimitri.

Speaker 4 (30:03):
Fancies himself a photographer here, and he's really good. And
I looked at his picture and as soon as I
looked at it, I went big deal.

Speaker 5 (30:11):
Not that it's not beautiful. It is beautiful, but I
went big deal, meaning no one's going to appreciate it.

Speaker 4 (30:18):
They're not. He'll appreciate it. He knows, he knows he
did it. But how many of these things now? Like
like when Mark writes me a letter an email and
it's too good.

Speaker 13 (30:31):
Yeah, if there's any sort of close to perfect grammar,
then you know it wasn't wrong.

Speaker 5 (30:34):
Oh my God, shouldn't attack him since he's not here.

Speaker 8 (30:38):
This is la.

Speaker 5 (30:40):
I have never had better emails from Mark in my life. Never.
I wonder if Susan is listening.

Speaker 4 (30:45):
I know Mark went to help his son at his
house winn arize some stuff. Maybe sus is listening. But
the AI sometimes is too perfect. Have you noticed, guys, people,
If I have to compose a letter of some kind,
I always run it through AI, and you say, what,
brush it up, freshen it up tight, just.

Speaker 8 (31:04):
See what it'll do. Just let him play with it.
And it's amazing what it'll throw out sometimes, or you
just ask it, compose a letter, give it a few founds.

Speaker 4 (31:12):
I used to fancy myself a writer, I really and
composing thoughts and I have done the same thing. And
what pisses me off is that many times it is
so good.

Speaker 5 (31:25):
Now, wait a minute, I just Mark. That's all Mark.

Speaker 4 (31:29):
That's right. Mark just texted me. He's I don't use AI,
that's all Mark. Yeah, sure, okay, anyway, but actually I
even got an email from him that said, at the
end and yes, AI helped me.

Speaker 5 (31:43):
I mean, he was honest about it, you know.

Speaker 4 (31:45):
But he wanted to put certain thoughts down and he'd
and he could only find certain ways to insult me,
and so he used AI to do the rest.

Speaker 5 (31:55):
So, anyway, on the photography, have you used a Dimitri
at all for that?

Speaker 4 (32:01):
No?

Speaker 14 (32:01):
I've used AI for absolutely nothing. But especially we wouldn't
do it for photography because you know, most of the
fun for me is going out and finding this great
photo opportunity in this case you were discussing as an
example of my wildlife photography. So it's finding the right
place at the right time of day, right background, right animal,
and then that's scaring the animal away. That's the fun

(32:22):
for me, right, and then getting the picture is the
least important part.

Speaker 4 (32:26):
Now, what I have kind of specialized in my little mind,
and I'm sure a lot of.

Speaker 5 (32:30):
People do it.

Speaker 4 (32:32):
But what I meant was I have I have personally
made it a challenge to do photography with my cell phone.
That's above and beyond. Okay, I thought, I think, and
I promise you I'm going to show you, guys, some
of these.

Speaker 5 (32:47):
These are truly cell phone.

Speaker 4 (32:50):
Pictures where I haven't used anything. Now, the cell phones
have the most wonderful picks. Have you used cell phones
for photography at all?

Speaker 14 (32:58):
No, not for any of that kind of stuff.

Speaker 4 (33:00):
For serious stuff, right, for serious stuff. I did it
on purpose because I know the limitations and I want
to see how could how good I could get. Okay,
So we have another couple of hours to go, and
we have our car experts and the next topic coming
up is how your car is spying on you and
you're going to be shocked. Go with a sure thing

(33:21):
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Speaker 9 (33:24):
You don't pay a cent until you're.

Speaker 4 (33:26):
Contenth time for an insurance checkup free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh

(33:48):
three nine two zero sixteen twenty two.

Speaker 1 (33:58):
News. So you don't have as fast as we.

Speaker 2 (34:05):
Can, Shooter's gonna help coming.

Speaker 3 (34:10):
This is the Troubleshooter Show. No Tom Martino.

Speaker 4 (34:15):
Hey, welcome to the show, Tom Martino. Here we have
Car Day today. My car experts Kevin COUGHTONI from Sheridan
Auto Tech, Jeff Vic from Camera Transmission, and I have
Deputy D in the House along with Deputy Doc in
the House, and we're talking about life, liberty in.

Speaker 5 (34:31):
The pursuit of happiness.

Speaker 4 (34:33):
And if you tune into this show, it's a welcome
break from normal talk and I love talking to you
about problems, questions and complaints. And I know people this
is a big deal, but it's true. And I know
people talk about it all the time, but I don't
think you realize when we talk about it it's a

(34:55):
real thing. I know that sounds it's silly, but I'll
give you an extreme example. Cancer.

Speaker 5 (35:05):
You know what I talk about. I love health and
I talk about health.

Speaker 4 (35:08):
I used to talk about health a lot and brag
about how healthy I was and not not how healthy
I was. But you know, I do this, and I
do this, and I do this, and bam, Tom gets
slapped in the face upside the head with cancer. And
what I meant why this, is that we hear about
cancer stats, but we don't normally put ourselves in that
stat We just hear about them, or we hear about tragedies,

(35:30):
or we hear about conditions, or we hear about just
different things.

Speaker 5 (35:34):
And we're bystanders. Most of the time.

Speaker 4 (35:37):
We are bystanders, standers. We sit there and watch, but
we don't include ourselves in that crowd.

Speaker 5 (35:45):
Even when it comes to politics.

Speaker 4 (35:46):
Sometimes you hear about this percentage, believe this, and that percentage,
believe that we might say to ourselves, oh yeah, I
agree with them or them, but we don't put ourselves there.

Speaker 5 (35:54):
We're bystanders. Now. Why do I say that?

Speaker 4 (35:57):
Because I think this privacy issue is much like that.
We hear about the lack of privacy. We hear about it,
there's a lot of talk about it, but do we
realize that part of that is a lack of privacy
for us?

Speaker 5 (36:16):
I mean, do we really really realize it?

Speaker 4 (36:19):
Because a lot of times I think, oh yeah, identity,
theF credit problems, privacy problems, all of this for other people.
I think about them, but I don't put myself inside
of it. I don't put myself as part of that group.
And I think we have a tendency to do that

(36:40):
when we talk about issues. So I'm going to talk
about privacy because I was astounded. It started when D
sent me a link to an article about the FTC
telling GM they can't tattle on us anymore. Can you
briefly explain it, Dan, I have it in front of me,
but you sent it to me.

Speaker 8 (37:00):
Yeah.

Speaker 14 (37:01):
GM got in trouble because there's some of their vehicles,
or it sounds like a lot of their vehicles have
been collecting data on drivers and other occupants without their
knowledge and sending it back to GM. And what GM
has been doing with it is selling that data to
data brokers. And the most disturbing part of the article
I read regarding this agreement with the FTC they were

(37:23):
selling driver data to credit reporting bureaus, sometimes as often
as every three seconds per driver.

Speaker 5 (37:30):
That's right, And I was.

Speaker 14 (37:32):
Very interested to find out why are credit reporting bureaus
kind of like TransUnion and Equifax and whatever. The third
one is why do they care what time I drive
or how fast I drive? But apparently that's used for
some kind of credit decisions.

Speaker 4 (37:46):
Right, they're using it as an actuarial for whether you're
a good or bad credit risk. And listen to this
d Because of that article, I went and dug deeper,
and I went to my car today and looked at it. Now,
let me just.

Speaker 5 (38:04):
Tell you something first and foremost, you must know this.

Speaker 4 (38:08):
All cars, right now, all of them, by default, when
you go there and you put in your driver identity,
or you even adjust your seat, or you do something,
or you are.

Speaker 5 (38:21):
Signing up, every car wants you to log in. Okay.

Speaker 4 (38:25):
Now, if you don't log in, you don't get certain functions,
or if you don't sign up for their Wi Fi,
or for their data links, or for it's just any
number of things. But even if you have what you
think is not a smart car, it is a smart car.
And when you're in that car and you're driving, it
is reporting data and we give it permission. There's many

(38:46):
sneaky ways we give it permission. Just downloading the app
for the car, you have given permission for everything right there.
How many people read those three pages of digital.

Speaker 5 (38:59):
Blah blah blah blah blah blah.

Speaker 4 (39:01):
You know how many times? You know how many times
I go to the end and just hit except everything.

Speaker 5 (39:07):
I mean, come on, I do, I do.

Speaker 4 (39:10):
So here's what I'm saying. We almost always give permission
by default. We don't even know where we give permission.
But here's the worst part. If you don't give permission,
you don't get some of the features of your car,
and they just they just don't get them to you. Now,
why can they get away with it because they didn't
promise you those You didn't buy the car because of

(39:32):
this particular feature or that particular feature. They can't take
away your brakes, they can't take away your steering they
can't take away certain things, but they can.

Speaker 5 (39:42):
They can take away things.

Speaker 4 (39:43):
You don't even expect to get anyway, a lot of
your cruise control. I swear to you when I looked
at my what they call auto drive, it's a joke
compared to Tesla and all that. But when you sign
up for that auto drive, when it was I looked,
it was saying that they can report my driving. In

(40:06):
so many words, So modern cars are spying on us.

Speaker 1 (40:11):
Now.

Speaker 5 (40:11):
This is not something you hear about and say, oh, yeah,
but not mine. No, it is.

Speaker 4 (40:15):
It is, and they use this data for actuarial data
for insurance companies.

Speaker 8 (40:21):
And they actually insurance companies have apps now too for
driving if you get discounts.

Speaker 5 (40:27):
I went once so further and says who else spies
on us?

Speaker 4 (40:29):
Okay, credit cards you're not going to believe this, But
based on your purchases on credit cards, because no matter what,
if you use a credit card, the credit card company
knows what you're buying. There are people making decisions about
you based on what you buy.

Speaker 14 (40:51):
What do you mean, like, what kind of decisions about
me based on what I buy?

Speaker 4 (40:54):
Actuarial decisions for insurance, uh, for credit sometimes for loans. Well,
that's credit, but it's it's more of a behavioral data.

Speaker 5 (41:06):
They give a behavioral kind of.

Speaker 4 (41:10):
Composite of you and and and the article I read
this was in This was an offshoot of Reddit, and
I hit several links, but what it was, it was
telling it's called the black t shirt buyer.

Speaker 5 (41:26):
You know, you know black t shirtskys that wear black.

Speaker 4 (41:28):
T shirts all the time, in tattoos and piercings. It
because that was those were some of the examples. If
you buy black t shirts and piercings and pay for tattoos,
and you do that through a credit card that is
in a profile for you somewhere showing its behavioral data
based on purchases.

Speaker 14 (41:49):
Oh and also are insurance companies will know for buying
cigarettes or chewing tobacco.

Speaker 4 (41:54):
Exactly exactly the exactly the point they made now here
is the one part that puzzles me. I don't know
how they link it to Tom Martino and then keep
it consistent across platforms.

Speaker 5 (42:08):
And we can talk about that.

Speaker 4 (42:09):
But Roxy, you have a question about carfax, Go ahead,
and then D and then sary, Roxy, what is your question?

Speaker 11 (42:17):
Give you a van number? Do you guys have that
subscription to Carfax.

Speaker 4 (42:22):
Well, all of the garages I think subscribe to Carfax, right,
don't you guys?

Speaker 8 (42:28):
Some of our platforms give us not the full report.
You have to buy the full report, but we can
see some histories through but yeah, through our software.

Speaker 4 (42:37):
Why do you ask Roxy what's on your mind?

Speaker 5 (42:40):
Specifically?

Speaker 11 (42:42):
I'm just curious if my vehicle had been in an
accident because like the front driver's side.

Speaker 5 (42:48):
Now, when how long have you owned this vehicle? Roxy?
How long?

Speaker 4 (42:52):
M October?

Speaker 5 (42:54):
Okay?

Speaker 1 (42:54):
Last year?

Speaker 5 (42:55):
Okay?

Speaker 4 (42:56):
And you never had it you never had it checked
before you bought it?

Speaker 11 (43:01):
Well, no, the mecan, the guy we brought it from
grew Toyota and the mechanic we knew him.

Speaker 5 (43:09):
Okay, so you trusted him.

Speaker 4 (43:12):
You know Roxy? Right now you can still Why don't
you just get it checked from an expert? Hey, Kevin,
do you guys look at the body when you do
your inspections.

Speaker 8 (43:20):
If there's something to see? I mean, some bodywork has
done very very well and you really can't tell.

Speaker 4 (43:25):
But if you want a carfax, Roxy, you can go
on and do a one up. Sure, you can do
a one car fax, And I think it's like nineteen
ninety five. Ken, you do not have to have subscription
Carfax dot com. And I've done it before when I
was looking for a car on a specific car. So
why don't you go ahead and go and give that okay?
And then of course Kevin at Sheridan Autotech does these

(43:47):
pre buy inspections and it can be a post buy
if you want it to be. Let's talk to d D.
What's going on with you? D Welcome?

Speaker 11 (43:57):
Hi?

Speaker 12 (43:58):
Hi Dan, I am calling Hi. I was parking my
partner complex. Yes, and when I came out, I guess
it's a new boot that goes on the windshield of
your car.

Speaker 14 (44:12):
Oh remember the windshield bartacle? Barnacle, no fooling, I've heard
about that. You thought I was a nutcake.

Speaker 4 (44:20):
No, I thought you were making it up. Well not really.
But so it's called the windshield. I want to look
it up and look at it. And so this was
disabling your car, right, No, it doesn't disable the car.
It disables your ability to look out the windshield.

Speaker 5 (44:35):
Well that's what I mean.

Speaker 4 (44:37):
Oh my gosh, it does. A windshield barnacle is a
parking enforcement device that attaches to your vehicle's windshield with
suction cups. But is it that hard you can't get
a suction cup off?

Speaker 14 (44:50):
Well, apparently you can't sneak under it.

Speaker 5 (44:54):
Okay, So what happened and why did you get it?

Speaker 4 (44:58):
Well?

Speaker 16 (45:00):
Because I guess they say that my car wasn't registered
to park, So they say that the streets and between
the complexes are owned by the complex. Uh huh, it
could be it could be right, So I had to pay.

Speaker 12 (45:16):
They said that the charge to remove it was like
three hundred and sixty three dollars?

Speaker 4 (45:21):
How much?

Speaker 5 (45:22):
How much were the straight?

Speaker 4 (45:25):
Let me get this straight. You were first given this boot,
this windshield barnacle because you were parking just that one time.
It wasn't for a build up of of uh fines
from the past.

Speaker 5 (45:41):
It was just that one time.

Speaker 12 (45:42):
No, the one time, which seems excessive.

Speaker 4 (45:46):
It is excessive.

Speaker 5 (45:47):
But I don't know if there's a law. I don't
know if they're no. No, I shouldn't say I don't know.

Speaker 4 (45:53):
There is no law that I know of that really
dictates how much they can charge for that. So did
you end up paying to get it off?

Speaker 12 (46:04):
I had to because I couldn't drop the call.

Speaker 4 (46:06):
All right, hold on, I want to investigate this story
to break. Hang on and we'll come back and talk
about this, because this seems to me to be pretty
damn weird. By the way, Compass Insurance Group does free
insurance checkups. It's car Day. Find out if you're paying
too much for car insurance, it'll it'll help you with
your auto insurance your home insurance, all free of charge.
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(46:35):
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(46:56):
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. I'm Tom Martine,
your troubleshooter, So d part somewhere. They said she didn't
have a permit to park there, so they put an
immobilization device on her car. The reason we say that

(47:16):
that's how the law addresses it. So it's not limited
to a boot. And by the way, boot is not
a legal description. It's hard to say, but anything that
immobilizes the car. And by the way, I said, I
don't know of any private laws, and still I don't
know if it is a law or if it's just
a PUC standing in regulation. But it doesn't matter. Deputy

(47:37):
D did find something addressing D. You gotta listen carefully
on this because this could help you. Okay, what did
you find regarding immobilization devices?

Speaker 14 (47:47):
The car at a Public Utilities Commission actually has an
FAQ page specifically on privately placed the mobilization devices. Yes,
and there are a couple of parts here that might
be interesting to our caller. So the maximum fee that
they allow its one hundred and sixty dollars. They call
it the standard removal fee, so it sounds like she
got way overcharged. And the second part that she might

(48:08):
be interested in is that PUC invites complaints complaints about
this kind of matter. And I even have a phone number.

Speaker 4 (48:16):
Now, D, if you take down this phone number, I
suggest you call them and let them know how much
you were charged. And then I think they might do
something or you may be able to use this regulation
for small claims court to get some of that back.
So you were charged, did you say three sixty D.

Speaker 1 (48:35):
Right?

Speaker 12 (48:35):
So that's the amount that they have on there. When
you return the equipment, then you get said that the refunded.
They said that I refound. The difference is that it's
one sixty three that they well, okay.

Speaker 4 (48:49):
See they they do know the law. But d The
bad news for you though, is they can charge you
that one sixty you know, the three might be taxes
one sixty return to them? So but how do they
Here's what I don't understand. What do you mean return
their part?

Speaker 6 (49:07):
Like?

Speaker 8 (49:07):
How do you give you a code? It deactivates the suction?

Speaker 4 (49:10):
Is that what happened? They gave you a code and
when you I'm interested? Okay, so what did you do
with this code?

Speaker 12 (49:18):
When you pay it releases the you're able to take
the item off of your windshift.

Speaker 5 (49:25):
So they do it remotely.

Speaker 8 (49:30):
They give you the code, They give you the code.

Speaker 4 (49:32):
Let me ask you, I didn't hear say that. Do
they give you a code to punch in and deactivate
it or do they do it remotely? Oh, they give
you a code. They give you a code, and then
you punch this code into some keypad. Correct, and then
it pops off correct really and and and then you

(49:54):
have to return it or you don't get your your
you don't get half of it back. Right now, let's
talk about let's talk about this now now that we've
established they've done something legally according to the law, the
one sixty. What about the parking issue itself? Is it
true that you were supposed to be registered to park there?

Speaker 12 (50:21):
I guess, but I was thinking, I thought that was
for the parking lot. This is the streets in between,
And they said that.

Speaker 4 (50:28):
Oh, you thought that was a public street. I could
see where you were. Now, did they have conspicuous signs
on those streets? They're supposed to have signs. Now, that
could be one area of weakness. If you take pictures
of where it was, they should have signs up. And
it doesn't have to be like a sign like multiple signs,

(50:48):
but there have to be conspicuous signage on the immobilization
device or towing or whatever. And are you telling me
that on this street that appeared to be a public street,
there were no signs where you parked about the need
to register.

Speaker 12 (51:07):
No, No, I did not see a sign on the
streets that runs the opposite way is the city streets.
They do have signed, but not signed in between the building.

Speaker 4 (51:22):
Yeah, it's hard to say without seeing it. You could
take a stab at it, but I don't think. I
don't think you're going to be successful. So do you
have a number you called for that? I'd like Katschina
to call Katschina for the hell of it. I'd love
for you to call them and ask them that they'd
like to talk about their system. And what I'm saying

(51:42):
is this, D, there has to be signage. Since I'm
not there, I don't know. You need to take pictures
of where you were and what happened and maybe use
that at use that as a way to take them
to small claims court.

Speaker 5 (51:54):
But D, what are you?

Speaker 4 (51:55):
What are you frowning at?

Speaker 1 (51:57):
Oh?

Speaker 14 (51:57):
I wasn't frown it.

Speaker 5 (51:58):
Basically what your contemplation?

Speaker 14 (52:00):
So, yeah, I was wondering, what's the name of the
apartment complex and roughly where is it local?

Speaker 5 (52:04):
Are we going to do it? Look on Google Maps?

Speaker 4 (52:05):
Maybe?

Speaker 14 (52:06):
Yeah, I was going to look on Google Maps and
if it's close by, I could drive by.

Speaker 6 (52:10):
A veil A b A. I l.

Speaker 14 (52:14):
Hey, where is it? What's a big intersection near the bail?

Speaker 4 (52:17):
A b ail? What's the closest intersection? Where is it
in town? We want to find a bail.

Speaker 12 (52:25):
It's in between Yale and I love.

Speaker 4 (52:29):
Okay, Oh really, yell and I loft.

Speaker 5 (52:31):
Okay. I want one of my deputies.

Speaker 4 (52:35):
If you're out and about see see what she's talking about.
So there are private streets that could be confusing. If
you think you're parking on a public street and there's
no signage, you know, that could be an issue. D
So we're going to check into it. I'm marking this down.
We're going to check into this. Three oh three seven
to one three talk seven one three A two five five.

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Speaker 9 (53:47):
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Speaker 4 (53:53):
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Speaker 5 (54:17):
Hi tom Archina here, welcome to the show.

Speaker 4 (54:20):
All right, So we looked at Google Maps for this
area that she said was apparently they were private streets,
but looked public. No warnings around the building. Jeff Fick
actually went and took the I.

Speaker 13 (54:37):
Just went down to the street view was started driving
around on Google Maps around the street and there's the
green signs that says parking by permit.

Speaker 8 (54:44):
They've got Errol's pointing permit.

Speaker 13 (54:45):
Yeah, and they've got a little picture of a tow
truck that says they will take your car away.

Speaker 5 (54:50):
Yeah.

Speaker 4 (54:50):
So I think she's going to have a weak argument here. Again,
so many people, they don't pay attention until after it happen.
Happens again, I could say, Wow, she could be confused.
That looks like a street as opposed to a Yeah,
but the sign sn different. The sign is there though, Sary?
What's going on with you? Sary?

Speaker 5 (55:10):
How can we help you?

Speaker 1 (55:13):
Oh?

Speaker 17 (55:13):
Yes, I've moved to Colorado back in twenty twenty two
and I purchased a brand new build.

Speaker 11 (55:18):
Yeah, ip on moving it, I.

Speaker 12 (55:20):
Found some pretty serious issues with my home.

Speaker 4 (55:24):
Really, like, so when did you when I want to
try to track this, when did you actually move into
is it twenty twenty two?

Speaker 17 (55:33):
March thirty first of twenty twenty.

Speaker 4 (55:34):
Two, got it and tell me the issues and when
they started surfacing.

Speaker 17 (55:40):
Immediately the minute we were doing the walkthrough, I've started
to point out issues.

Speaker 4 (55:44):
But right now we're into your third year or so.
Did you have a warranty and were they covered by
warranty for one year.

Speaker 12 (55:52):
Correct?

Speaker 4 (55:53):
Did they cover anything during the warranty period?

Speaker 17 (55:56):
Now, no, they did not. They said they were going to,
but they sent people over here, but they never did anything.

Speaker 4 (56:06):
Okay, give me one of the biggest problems you might
have encountered.

Speaker 5 (56:09):
Give me an idea of what it would be.

Speaker 6 (56:11):
HVAC my furnace.

Speaker 11 (56:14):
I had carbon monoxide on.

Speaker 4 (56:16):
A brand new build. We had carbon monoxide leaking. Did
they fix it?

Speaker 17 (56:22):
No?

Speaker 12 (56:25):
Well, what you just told me that everything was fine?

Speaker 17 (56:27):
They sent something?

Speaker 5 (56:28):
Well, how do you all right?

Speaker 4 (56:30):
Did they if they never fixed it, presumably you still
have carbon monoxide?

Speaker 17 (56:37):
No, because I actually had my warranty company come out,
and that was a fight in itself because it's a
new build and they didn't want to repair it. Obviously
it's a new build, there should be no reason. But
they did replace the furnace. However, it's undersized from my
home as well, because it never really heats up my
house and it doesn't cool down my house very well.
So I had Black Hill's Energy come out and they

(56:59):
used their sniffer to do a sniffer test.

Speaker 4 (57:01):
Yes, and that's what they.

Speaker 17 (57:02):
Found out the carbon monoxide, and they red tagged my home.

Speaker 4 (57:05):
How long ago was this years?

Speaker 11 (57:06):
I had no heat?

Speaker 4 (57:08):
How long ago was that?

Speaker 12 (57:11):
It was two years ago?

Speaker 17 (57:12):
I just recently got it on. So for two years
I had no heat or air conditioning.

Speaker 4 (57:18):
You actually lived in your home through the winter without
heat correct or with Okay, So where do we stand today?

Speaker 5 (57:28):
Who's the who's the home builder? By the way, LGI
Homes LG I okay?

Speaker 4 (57:36):
And what are they doing for you? And I mean,
what problems do we have today? What caused you to
call today?

Speaker 17 (57:43):
I guess I'm really trying to figure out what my
options are here. I really don't know what to do.

Speaker 4 (57:47):
I've known a law a lawsuit against the builder for
construction defects, but I don't think you have a strong case.
You have minor issues.

Speaker 6 (57:56):
Now there's a lot.

Speaker 4 (57:58):
Give me the most major shoe right now that's existing
right now.

Speaker 17 (58:03):
Well, it's still not fixed properly the furnace, So that's
I don't it's it's a mess in that room. I
have electrical issues. I was shocked so bad when I
first moved in here plugging my coffee pot in that
it shocked me all the way up my arm.

Speaker 12 (58:18):
I couldn't use it for two weeks.

Speaker 5 (58:21):
The fuse boxed out back.

Speaker 17 (58:22):
Are sounded like a bomb went off out there.

Speaker 4 (58:27):
Are any neighbors, sorry, are any neighbors having these problems?

Speaker 17 (58:32):
They have problems, but not to the extent of mind.

Speaker 4 (58:35):
And did she say mg I L G I L
L G rry girl? Got it?

Speaker 5 (58:41):
Got it? And the home builder?

Speaker 4 (58:45):
You know what, we should just call the home builder
and see if they've even heard of you and if
they have a warranty, and they have.

Speaker 11 (58:51):
They told me never to call them.

Speaker 17 (58:53):
They threatened the police.

Speaker 4 (58:54):
And sorry, they might I'm just going to come right
out and say, they might think you're a nut. Okay,
they might think that these problems. You know, why is
she the only one having these problems? No one else
is having these problems and that kind of thing. That's
why you may have to do an actual construction defect lawsuit.
You're going to allege that your home is not heated properly.

(59:17):
What if we had to make major categories, the first
one would be not heated properly.

Speaker 5 (59:23):
What else.

Speaker 17 (59:25):
The auditioning unit is undersized for the home.

Speaker 5 (59:28):
Well that's what we just said.

Speaker 4 (59:29):
Basically, Okay, basically your HVAC is undersized or not adequate.
What's that breaker box? What's wrong with the breaker box?
Have you had an electrician look at it? Oh?

Speaker 12 (59:41):
Yeah, yeah I have.

Speaker 4 (59:44):
Well, what did the electrician say was what do they
say is wrong with your breaker box?

Speaker 7 (59:50):
Well, that's it.

Speaker 17 (59:50):
They said there was some sort of an overload or
some too many, too many wires going in where it
shouldn't be. I don't really understand electricity.

Speaker 4 (59:59):
What did they recommend? What do they think I'm saying,
I get it? What do they say needs to be
done to your home?

Speaker 17 (01:00:07):
Well, at this point, I'm not sure. Now we're at
structural issues.

Speaker 6 (01:00:13):
You know.

Speaker 17 (01:00:14):
I had a structural engineer come out and do it
a little survey at my home. I haven't received a
report back yet, but it's quite obvious that there's issues.

Speaker 12 (01:00:22):
There, Like what kind of waycraft all the way across Sarry.

Speaker 4 (01:00:26):
You're going to need a lawsuit. This is way too
much to call them. They told you never to call again.
They think you're a nut. You're going to have to
get their attention. We know some really good construction defects attorneys.
You really do, And I'm serious. This is not a
kiss off sary. This is saying if you're having major
issues with HVAC structure and an electrical those three alone,

(01:00:50):
you know that those are serious. But they're not taking
you seriously. You know, Deputy Doc actually did a construction defect.
He actually food for construction defects. It's a long arduous journey,
isn't it, Doc? It is? And it costs a lot
of money.

Speaker 18 (01:01:07):
Well, it didn't cost me a penny because of the
attorney that I use.

Speaker 4 (01:01:10):
Right, because they got attorney's fees exactly so.

Speaker 18 (01:01:14):
And it was very similar to this. So give Scott
Sullen a call. Scott's the best.

Speaker 5 (01:01:19):
He is one of the best, Yes, Sar, what's his
last name?

Speaker 4 (01:01:24):
Sullen s U L L E N. I believe it is,
and it's Scott Sullen. I don't know the name of
his firm today, what he's using, but you need to
search him.

Speaker 5 (01:01:35):
Hey, Deputy d don't we know someone else too?

Speaker 14 (01:01:39):
Yeah, I mean I know an attorney who specializes in
this kind of stuff. His name is Neil Hollington office, right,
he's really good. Yeah, his office is down there in Parker.
But what Sarah Siri needs to keep in mind is
if she schedules a consultation with Hollington, She needs to
have all her information, all her ducks in a row.
She can't come in and say, well, I don't know

(01:01:59):
anything about electricity, but there are a bunch of wires
in the breaker box.

Speaker 4 (01:02:02):
Yeah, you need You need to actually give him a
report from the electrician saying that the the circuit breaker
box is overloaded, and.

Speaker 14 (01:02:11):
From the structural engineer, whose report she still doesn't have,
and whoever else is doing work on the house. She
needs to present all of that because Hollington is not
going to do this detective work for her, and if
she just presents the case to him, he'll be able
to give her a really good idea whether or not
she has a case.

Speaker 17 (01:02:29):
Oh just I talked to uh Neil Hollington.

Speaker 4 (01:02:33):
You did? What did he say recently? What did he
say is.

Speaker 6 (01:02:37):
That I have a very good case and good, good,
good good.

Speaker 4 (01:02:41):
Okay, Well there you are, there, you are. You're going
to have to go through you you really are. I
mean they're they're they're going to they're they're going to
require you to go through at least the beginning.

Speaker 5 (01:02:53):
Did Hollington say he would take the case?

Speaker 6 (01:02:56):
Yes?

Speaker 4 (01:02:57):
Good.

Speaker 17 (01:02:58):
The problem with this because I was just laid off
from my job in January, and I've exhausted everything that
I have.

Speaker 12 (01:03:04):
That's why I'm.

Speaker 6 (01:03:05):
Kind of in a panic mode here.

Speaker 17 (01:03:07):
Because before it wasn't an issue, and now I just.

Speaker 4 (01:03:10):
You know, I want during the show, during since you
took the time to call us during the show, I
want Deputy Doc just to call down to the builder
just to say, look, we got this complaint. She's contemplating
a construction defect lawsuit or whatever. We just want to
know what's going on and see what they see, what

(01:03:30):
they say to us. I would like to know how
they're characterizing this sary. You know. It's really funny because
people with real problems sometimes are the ones that sound
like nuts when they have many, many problems, because it
sounds like they're looking for problems.

Speaker 5 (01:03:46):
You know what I'm saying.

Speaker 4 (01:03:48):
I'm not saying that you're doing that. I'm saying that's
what it sounds like. And these people that are getting
the complaints, like this builder LGI, they're thinking, oh, it's
her again, you know, and they're discounting what you're saying.

Speaker 5 (01:04:02):
Do you actually have if you actually have an.

Speaker 4 (01:04:06):
Electrical report, a structural report, and an HVAC report. Hollington
did say he would take it. What did he think
you could he could do?

Speaker 5 (01:04:17):
Did he mention did you actually sit down and meet
with him or call him?

Speaker 11 (01:04:22):
No, I had a free consultation with him.

Speaker 5 (01:04:24):
Good and so what how did he say to get started?

Speaker 17 (01:04:30):
Especially he wants me to, you know, give him a retainer,
which I'm not in a position to do at this point.
That's why I'm just kind of hold kind of at
a standstill here.

Speaker 4 (01:04:39):
I don't think if we call them they're going to
do anything voluntarily.

Speaker 5 (01:04:43):
But you know what, we'll give it a try.

Speaker 4 (01:04:45):
Hold on a second, We'll give it a try. Go
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Speaker 9 (01:04:54):
You don't pay a cent until your content.

Speaker 4 (01:05:00):
Time for an insurance checkup free no obligation comparison call
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you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martino here,

(01:05:27):
Welcome to the show. Okay, so Keith has a problem
with irrigation. What's going on, Keith? This sounds very interesting.
Are you there, Keith Tom, Yes, sir, what's happening?

Speaker 6 (01:05:44):
Hey?

Speaker 10 (01:05:44):
So last June June twenty four, we had a landslide.
We live on the top of a hill. We had
a landslide that blew out our hillside. God directly blow
my directly blow my shop.

Speaker 8 (01:06:01):
We moved down.

Speaker 5 (01:06:02):
Didn't do any structural damage.

Speaker 10 (01:06:05):
Well at the moment, it did not. It did expose
the entire one side of my foundation of the shop.

Speaker 4 (01:06:15):
Can you explain this to me? Are you Is your
lot on a slope or a hill? Right?

Speaker 10 (01:06:23):
We're on top of a hill in a slope about
the back.

Speaker 1 (01:06:26):
Yeah?

Speaker 5 (01:06:26):
Okay.

Speaker 4 (01:06:27):
Now, was it raining or was there anything that caused this?
Or did all of a sudden it just start or
was it a slow process over time? How exactly this happened?
You gave a date to it, so it actually all
happened like on one day.

Speaker 10 (01:06:46):
All at once. We had my wife and I have
been at our house and we laughed.

Speaker 4 (01:06:53):
How long have you lived there?

Speaker 10 (01:06:56):
Twenty years?

Speaker 4 (01:06:58):
Okay, twenty years and all of a sudden, a bunch
of dirt I mean, what did it roll all the
way down the hill or.

Speaker 5 (01:07:06):
Did it just do a sinkhole?

Speaker 1 (01:07:07):
Oh?

Speaker 5 (01:07:07):
Yeah, it rolled all the way down the hill.

Speaker 10 (01:07:11):
It went all the way out and went clear down
the hill, went down across another road at the bottom
of the hill. Yeah, it literally blew out forty two
feet meats.

Speaker 9 (01:07:21):
Holy crack.

Speaker 4 (01:07:23):
Oh Keith, you gotta hold on, man, we we're going
into a break, but you have to hold on. This
is incredible and I want to hear about it, and
I want to explore insurance as well. Three all three
seven one three talk seven one three eight two five
five A major landslide and more coming up. Go with

(01:07:45):
a sure thing Denver's best roofer Excel Roofing dot com.
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(01:08:06):
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two yea.

Speaker 2 (01:08:19):
Ripped news need advice?

Speaker 1 (01:08:24):
Who you don't have? Come running just as fast as
we can.

Speaker 2 (01:08:30):
Show Shooter's gonna help.

Speaker 3 (01:08:32):
Come man, this is the Troubleshooter Show.

Speaker 4 (01:08:37):
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(01:08:57):
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Speaker 5 (01:09:15):
By the way, how would you like to have.

Speaker 4 (01:09:18):
A landslide at your house that left a forty two
foot deep trench or ditch that is almost impossible to believe?

Speaker 5 (01:09:30):
Keith this dirt? Were you home when it happened or
did you just come home and find it?

Speaker 1 (01:09:38):
Oh?

Speaker 10 (01:09:39):
So we had been there about fifteen minutes before it
happened and.

Speaker 7 (01:09:42):
One way left.

Speaker 4 (01:09:43):
Did it make a noise?

Speaker 10 (01:09:46):
Oh, I guess it was tremendous apparently according to the neighbors.

Speaker 4 (01:09:50):
Okay, so this dirt comes out from around your garage right, correct,
it goes down the hill. And when you say it's
forty two feet deep, how wide is it?

Speaker 10 (01:10:09):
Probably eighty feet roughly?

Speaker 5 (01:10:11):
What eighty feet wide? Forty two foot down?

Speaker 10 (01:10:17):
It's huge.

Speaker 4 (01:10:18):
Did it expose wires and pipes and utilities.

Speaker 10 (01:10:26):
No, nothing other than what was going from my house
to my shop, and of course pulled the wires and
whatnot out of the ground there.

Speaker 4 (01:10:33):
So this was in your shop.

Speaker 5 (01:10:35):
Okay. So are you in the country like on big lots.

Speaker 8 (01:10:42):
Yeah?

Speaker 7 (01:10:42):
Correct?

Speaker 4 (01:10:43):
Okay, how much is it costing you to put this
all back together?

Speaker 10 (01:10:50):
We're looking at roughly give or take four hundred thousand.

Speaker 4 (01:10:56):
What wait a minute, Wait a minute, wait a minute,
what does four hundred thousand? Where do you spend four
hundred thousand on this?

Speaker 10 (01:11:05):
We've had a we've had an engineer to be repaired
and in order to put in a drain to accommodate
any future water and then bring all that dirt back
in and rebuild the hill.

Speaker 5 (01:11:22):
Is your shop structurally damaged?

Speaker 10 (01:11:27):
It has settled in the back of it. It's been
condemned by the county.

Speaker 4 (01:11:31):
The whole shop. So does it have to be rebuilt
or can it be refurbished?

Speaker 10 (01:11:38):
Well, if they can put the hillside back, it would
it'll be fine at that point.

Speaker 4 (01:11:43):
Okay, So you got engineers, if you have engineers and
everyone else involved.

Speaker 6 (01:11:48):
Right.

Speaker 4 (01:11:50):
Right.

Speaker 10 (01:11:51):
And the bigger problem is this is now twenty from
the corner.

Speaker 4 (01:11:57):
Wait, you're you're cut you're cutting out a bit. What
were saying? All right, say that again.

Speaker 10 (01:12:02):
Oh, this is twenty two feet from the corner of
our house. So we've been out of our house since
this happened.

Speaker 5 (01:12:08):
Now, why are you out of your.

Speaker 10 (01:12:10):
House because the house is sitting on the edge of
this forty two foot drop.

Speaker 4 (01:12:16):
Off down You said it's twenty two feet away from
that drop off, correct, and you're afraid at any time
that could go too.

Speaker 6 (01:12:27):
Yeah?

Speaker 5 (01:12:28):
Have you consulted your homeowner's insurance?

Speaker 1 (01:12:32):
We did.

Speaker 10 (01:12:34):
They on day two after this happening. Our local agent
filed the claim and they immediately denied.

Speaker 4 (01:12:42):
It because it's called it's earth movement, and earth movement
isn't covered kind of like earth like an earthquake. They're
they're considering it like an earthquake, right, that's correct, and
that doesn't cover that otherwise known as diastrophism.

Speaker 5 (01:13:02):
They they just do not.

Speaker 4 (01:13:04):
That's what it's known as in their policies that they
don't cover. What I need to know though, if you're
out of your house and all of this, what are you?
I mean, whose fault is it? Did it just happen?
How did this happen?

Speaker 10 (01:13:21):
Well, we originally linked it to irrigation on the farm
next to us.

Speaker 5 (01:13:29):
Now what do you mean what do you mean linked
it to irrigation?

Speaker 10 (01:13:34):
Well, because the water only runs during irrigation seasons out
of this new crater. Once irrigation season the ends, the
water stops.

Speaker 4 (01:13:45):
But how does that water come? Does that water go
through your property?

Speaker 8 (01:13:50):
Nope?

Speaker 10 (01:13:51):
Nope.

Speaker 7 (01:13:53):
We we bordered.

Speaker 10 (01:13:54):
We bordered some afields that are flood irrigated.

Speaker 5 (01:13:57):
Yes, And are you so so?

Speaker 4 (01:14:00):
Did you have an engineer tell you that the water
somehow caused this? Oh?

Speaker 10 (01:14:08):
Yeah, absolutely yes, And.

Speaker 5 (01:14:10):
Tell me how it happened.

Speaker 4 (01:14:11):
How did the water on a hayfield go over to
your property and cause that?

Speaker 7 (01:14:19):
Well, so we've.

Speaker 10 (01:14:21):
Had a water engineer and geologist look at it. The
graf where it's flood irrigated, is just so saturated that
it goes down and probably is reaching what would be
a natural aquifer and then of course overfilling it and
it found an escape route. Can probably have been leaking
into that area of real.

Speaker 4 (01:14:41):
Okay, so it came over, it leached, it leached over
to your property and caused this slippage of earth.

Speaker 5 (01:14:52):
Yeah, it must have been happening for years.

Speaker 10 (01:14:57):
Well, yeah, that's what we don't know.

Speaker 4 (01:15:00):
Okay, Now my obvious question. Have you contacted the farm
next to you?

Speaker 1 (01:15:06):
Yes?

Speaker 5 (01:15:07):
What do they say?

Speaker 10 (01:15:08):
And they they claims it's not the irrigation off of
their fields. It could be coming from, you know, a
leaking ditch several miles up the road. It could be anything,
but this coming off of this field.

Speaker 4 (01:15:22):
Oh god, this is a nightmare. This is a nightmare.
So you are going to have to sue the farmer.
But does the farmer have the wherewithal? Is this a
big corporate farm a family farm? What kind of farm
are we talking to?

Speaker 10 (01:15:37):
It's a family farm.

Speaker 4 (01:15:40):
So do they even have the wherewithal? Do they even
have the wherewithal to pay you damages?

Speaker 10 (01:15:47):
I probably yeah, I'm guessing, so I don't.

Speaker 5 (01:15:50):
Yes, have they lawyered up.

Speaker 10 (01:15:54):
Well, we've spoke to an attorney and got in a
couple of other engineers involved, and they all tell us
that because it came in, the Department of Water came
and looked at us. They all say, because it happened underground,
there's nothing really they can do. Because if it were

(01:16:18):
the irrigation water that came over the top and caused it,
of course they would be liable. But because it came
from underneath, everybody seems to think we may never prove
that it was their water, other than every time the
irrigation season ends, the water stops.

Speaker 4 (01:16:33):
Well, the water stops. But have you when you say
the water stops, how do you know the water stops
underneath your property? How do you know that?

Speaker 10 (01:16:43):
Well, once it blew out. Now there's basically a creek
that runs.

Speaker 4 (01:16:47):
Oh so you can see oh wait a minute, so
you can see that as soon as they stopped their irrigation,
as soon as it stops last year, okay.

Speaker 10 (01:16:59):
About two weeks after they stopped irrigating, the water running
out of our newly formed creek in this massive crater stop.

Speaker 4 (01:17:07):
Isn't there a way of testing water to see if
it's the same source water or not.

Speaker 10 (01:17:14):
I'm sure there is.

Speaker 4 (01:17:15):
You know, I don't know what to tell you about
the burden of proof, but you've talked to an attorney
who basically said you may never be able to prove it.
Where does that leave you? What happens now? If you
can't you if you can't get an attorney to assure
you of a I mean, you're going to have to
pay for an attorney anyway. They're not going to do

(01:17:36):
this on contingency, and then you're going to have to
hope you can make your proof. And then you're going
to have to hope that after making your proof, that
the other party doesn't just bankrupt out of it. I
mean there are so this might be all on you.
Do you do you have the financial wherewithal to survive it?

Speaker 10 (01:18:00):
Obviously take out another mortgage on my place to rebuild all.

Speaker 4 (01:18:03):
This, But what would prevent it from happening again? If
you rebuild, are you going to have to divert that water?

Speaker 15 (01:18:14):
Yeah?

Speaker 10 (01:18:15):
So the current plan would be that they would put
in basically a huge French drain that would keep that
water moving forever. But not to say it may not
go you know, further down the hill either direction.

Speaker 5 (01:18:31):
God, this is terrible.

Speaker 4 (01:18:32):
I mean, I don't know what to tell you, Keith.
I mean I would recommend a lawsuit in all of that.
But then again, looking back at it, your own attorney
or people you've consulted, said you may not be able
to prove it. And really, why do we say you
may not be able to prove it? You won't be
able to prove it? I mean, how are you going?
Is there any other water that you can trace around

(01:18:56):
your property? Any other source of water? No where does
their irrigation come from?

Speaker 10 (01:19:07):
It runs, it runs, starts at the lake.

Speaker 4 (01:19:10):
Is it an irrigation ditch? Is it an irrigation ditch?
It is?

Speaker 5 (01:19:15):
What about the ditch company.

Speaker 18 (01:19:18):
Tom, wouldn't they be able to if there was any
kind of pesticide or agricultural insects because that was put
in the water, that would distinguish it as irrigation runoff,
wouldn't it.

Speaker 4 (01:19:30):
Yeah, But they're saying it could be another farm. What
about the ditch company? Isn't there a ditch company and
many times that run these ditches?

Speaker 5 (01:19:43):
Have you have you contact?

Speaker 4 (01:19:45):
What did the attorney say about going after the ditch company?

Speaker 10 (01:19:49):
It was it was kind of the same scenario as
because it's not coming over the top, they can't really
been to them.

Speaker 5 (01:19:58):
Did they recommend against a law suit?

Speaker 10 (01:20:04):
One attorney did, and the second one was somewhat reluctant
but said they would taken.

Speaker 4 (01:20:10):
How much did they say you'd have to put up
as a retainer?

Speaker 10 (01:20:15):
I honestly don't recall what it was. We'd already paid
him to do some work because we, of course hired
them to go after our insurance company.

Speaker 1 (01:20:26):
We could shake something.

Speaker 4 (01:20:27):
Yeah, but your insurance could eat this. It is so
clearly not covered by insurance. I mean, it's an actual
exclusion Earth movement. Didn't didn't an attorney tell you that that, yeah,
you know your insurance company is not going to pay anything.
That's crazy. So what is what are you going to do?

(01:20:50):
I mean you told us a story that that that's terrible.
What were you Let me ask.

Speaker 5 (01:20:59):
You this I really quick because I have to take
this break.

Speaker 4 (01:21:02):
What were you hoping we could do for you? Because
I mean, obviously, God, we have much sympathy for you,
and we have a lot of experts available, But our
experts would only be there to say, yes, you're right,
the insurance won't cover it, and then our engineers would
say it's probably untraceable. Water is one of the worst
things to trace. What were you hoping to hear?

Speaker 7 (01:21:25):
Well, I kind of was.

Speaker 10 (01:21:27):
Kind of hoping that you'd say, oh, we ran into
this before and this is.

Speaker 4 (01:21:30):
What it came up it right, we haven't ever heard
of this much damage from an adjacent irrigation ditch at all.
But if you do go after defendants, you're gonna have
to go after the farmer and the ditch company for sure.
And I don't know if it's up to you to
figure out. I mean, the ditch company, I would think

(01:21:53):
would be liable for keeping the ditchwater in the ditch
and where else would water be coming from even if
it's not coming from that farmer.

Speaker 5 (01:22:01):
We know it's coming from the ditch.

Speaker 4 (01:22:04):
But I don't know do you put you do you
put good money after bed or do you just go
ahead and use the money to just fix up your
property and move on. It's it's one of the worst
scenarios I've ever heard. Hold on go with a sure

(01:22:24):
thing Denver's Best roofer Excel roofing dot com. You don't
pay a cent until you're content time for an insurance
check up free, no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out Now three O three seven to seven to
one help. You'll think you're his only customer when you

(01:22:46):
choose Frank durand the real estate man dot com to
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. All right, I've been conversing
by email and text with an attorney, Keith. One of
my attorneys was saying, even if you go through the

(01:23:08):
incredible length to try to prove source and you find
someone liable, they can simply bankrupt out of it. Keith,
you might just be in a position where you have
to take out a loan, fix up your house and
move on it. You know I can't. There's no magic
strategy here. In fact, you don't have You don't have

(01:23:31):
deep pockets anywhere. A ditch company doesn't have deep pockets,
and the farmer doesn't. So it's not so you're not
going to get an attorney on contingency either. My guy said,
no one will take this on contingency, So goodness gracious,
if you want to send us photos. I'd love to
see him. I have one other attorney I can check with.

(01:23:55):
But the bad news is, bottom line, I don't think
there's much we can do for you on the legal end.
Walter has a question. Go ahead, Walter, Welcome to the show.
What's going on, Walter?

Speaker 19 (01:24:09):
Yeah, I called about these ads on TV YES Radio
about LifeLock and homelock.

Speaker 4 (01:24:17):
Right, LifeLock and home lock light block supposed to help
you with identity theft. Homelock is supposed to help you
secure your title to your home, and they don't do
neither of them.

Speaker 5 (01:24:29):
All LifeLock does is alert.

Speaker 4 (01:24:32):
You to someone using your name or social Security number
or something like that. Credit freezes do just as well.
All LifeLock does is make you aware. They don't do
anything to do They don't represent you legally, and it's
not an insurance. And Homelock. Homelock does nothing except let

(01:24:53):
you know somebody recorded something against your home. You still
have to go through the legal maneuvering to have it removed.

Speaker 5 (01:25:00):
Homelock just doesn't do it.

Speaker 4 (01:25:02):
They're just a monitoring service and most counties right now
offer that free of charge.

Speaker 19 (01:25:09):
Okay. I had called last week about cameras calling on
the phone and whatnot. And I played it back on
my answer machine. Yes, And I looked in the area
code and whatnot and it was seven fourteen. That's sort
of Los Angeles.

Speaker 5 (01:25:28):
So don't worry about it. I mean, just sign up
with your county to be alerted.

Speaker 19 (01:25:35):
Can I play it back to you?

Speaker 4 (01:25:36):
And yeah?

Speaker 10 (01:25:36):
Go ahead, Okay, lost one back.

Speaker 5 (01:25:43):
It's Wednesday, and I'm calling about your pre qualified thirty
six thousand dollars personal loan offer.

Speaker 1 (01:25:48):
This is the final.

Speaker 5 (01:25:49):
That's just a solicitation call. That's all that is.

Speaker 4 (01:25:54):
Walter, Walter, Walter, Okay, I'll put them on hold right now.
It's that's all.

Speaker 5 (01:26:01):
That's just a solicitation call. Walter.

Speaker 1 (01:26:03):
Listen, man, I I there at two.

Speaker 4 (01:26:07):
I'm going to move on to another caller. Tell Walter
not to worry about it. Robert, what's going on with you? Robert,
Welcome to the show. Yeah, what's going on? Robert?

Speaker 6 (01:26:16):
I purchased a Sportsman's Warehouse gift card for my son.

Speaker 5 (01:26:19):
What kind of warehouse?

Speaker 1 (01:26:22):
Sports?

Speaker 5 (01:26:22):
Sportsmen's Warehouse got it, okay, and.

Speaker 6 (01:26:26):
From a third party retailer, And when my son went
to use it, there was no balance on the card,
and I called the sports Warehouse and because there wasn't
purchased at their store, they can't help me.

Speaker 4 (01:26:42):
So yeah, because they because they didn't steal it, someone
else did. Where did you buy the card?

Speaker 6 (01:26:49):
I bought it at a at the Safeway grocery store
and Superior.

Speaker 4 (01:26:54):
What happened was somebody probably hacked the card and as
soon as it was charged, they used it. And that
is a very common scam right now with gift cards.
Sportsmen's Warehouse has nothing at all to do with it.

Speaker 5 (01:27:11):
They have nothing.

Speaker 4 (01:27:13):
They just happen to sell a card that was hacked,
but it's happening all over the place.

Speaker 5 (01:27:17):
How much was it.

Speaker 6 (01:27:18):
For one hundred dollars?

Speaker 4 (01:27:21):
Yeah?

Speaker 17 (01:27:22):
You know.

Speaker 4 (01:27:23):
I will tell you that about thirty percent of all
gift cards are pre hacked waiting for someone to buy them,
meaning that somehow the scammers have access to it, either
by scraping it and putting the white label back on
or by finding out the number. Then they go on

(01:27:44):
and they register for it and as soon as you
activate it, it's zero. And they haven't come up with
a way not to do it yet. Unless you do
an electronic card, it's Robert. You can't make Sportsman's Way
Warehouse honor it. That's the problem. It's they just won't
honor it because to them, they didn't receive the money,

(01:28:08):
or they did, by the way, but they got it
from someone else. You know.

Speaker 6 (01:28:14):
I asked them that they could trace where it was redeed.
They couldn't help me with that.

Speaker 4 (01:28:18):
No, they because they can't these the gift card the
gift card scenarios out. If I was anyone, I would
not buy a gift card. There's just nothing you can
do about it. Robert, you just got ripped off. It's
as if you dropped a one hundred dollars bill at
the store and somebody picked it up and used it.

Speaker 5 (01:28:37):
That's what they're doing now. I okay.

Speaker 4 (01:28:40):
Somebody mentioned that they went after a retailer for being
negligent for not watching their gift cards better. I mean,
you could try a small claims court against the store
that sold you the card, saying that they were not
vigilant enough and they did not keep an eye on
the card, therefore costs you money. I think they have

(01:29:02):
to start locking these cards up. I mean, really, anyone
can you can look at these cards all day long.
They scrape it off. They get the number. Sometimes they
don't even put the white stripe back on. They just
let you buy it. And you know, make sure when
you when you buy a gift card. I wouldn't buy one.
If you're gonna buy one, though, I would do it electronically.

(01:29:24):
But if you have to buy one at a store
for some reason, look at the back and make sure
and compare it. Compare about five or six or seven cards,
and make sure the card that you pick has not
been touched or altered or doesn't look weird in any ways.

Speaker 5 (01:29:40):
Tom, That's all I can tell you.

Speaker 18 (01:29:41):
Does a Visa or master card will Will they give
you back the money?

Speaker 1 (01:29:45):
No?

Speaker 2 (01:29:46):
Even they won't.

Speaker 5 (01:29:47):
No, because you didn't pay by Visa MasterCard. I mean
even if you did.

Speaker 4 (01:29:51):
Okay, So you're saying, if you paid for the gift
card on a visa, can you contest the charge.

Speaker 5 (01:29:57):
I don't know that. Maybe you can, Maybe you can.
Maybe you can.

Speaker 4 (01:30:01):
Say, I they sold me a bum card. I'm not
going to pay for it.

Speaker 18 (01:30:04):
Well, just buy it. Well, I'm saying, he's buy a
visa card? Can because they do have.

Speaker 4 (01:30:09):
No man, I know they have prepaid visa cards, but
I they run the same risk all gift cards run
the same risk of being hacked. They really do, whether
it's a visa or not. But I like the idea
that if you did buy it with a visa or
a credit card, maybe contesting that charge, saying did.

Speaker 8 (01:30:27):
He check with Safeway? Though, well, safe way help him
in any way because he did pay them.

Speaker 4 (01:30:32):
Did you go back to the store where you bought it,
Robert and asked them to pay you? Huh, I'm having problems.
He's disconnecting all.

Speaker 5 (01:30:44):
Right, Laura.

Speaker 4 (01:30:45):
I'm gonna check your mail. You sent me an email
and I'll come right back to you and more. THREEHO
three seven one three eight G five five Go with
a sure thing Denver's Best roofer Excel Roofing dot You
don't pay a cent until you're content. Time for an

(01:31:06):
insurance check up free no obligation comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out now three O three seven to seven to
one help. You'll think you're his only customer when you
choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three three nine two
zero sixteen twenty two Hi, Tom Martino here, Welcome to

(01:31:36):
the show. Okay, Laura, you sent some pictures on the
email I saw and I read it, but I want
you to explain what's going on. You live next door
to a couple right in their in their seventies or
sixties or whatever, right in their sixties, and they're not healthy.
Explain what's going on.

Speaker 9 (01:31:57):
There?

Speaker 4 (01:31:57):
You go, Laura, Sorry, my daughter, Yeah, daughter lives in
the rental.

Speaker 20 (01:32:01):
So family member lives there and we're friends with the
people across the fence who own this tree. It's a large,
large cottonwood and it's dying really quickly, and they don't
have the means to have it taken out. I've talked
to them a lot over the summer. Did an offer
to pay a thousand towards it coming down? We think
it might be five or six thousand to get it down.

Speaker 5 (01:32:22):
Are you kidding me?

Speaker 4 (01:32:23):
It could be that much.

Speaker 20 (01:32:24):
Well, it's over a power line and it's over structures,
and you know those get pricey in a hurry. It's
a big tree and we can't pay for all of it.
It's not our tree, but we'd rather help them than
have it land on something we own. But they don't
seem to have any money towards it. They haven't made

(01:32:46):
any forward progress, they haven't called any estimates, no tree guys.
They've just done nothing all summer.

Speaker 11 (01:32:52):
And then this week.

Speaker 4 (01:32:53):
A couple of days ago, they.

Speaker 20 (01:32:54):
Got a code enforcement letter from the City of Loveland
saying that they had a court date. And I assume
that's going to be announcing a lien on their house
and that the city will have the tree taken down.

Speaker 4 (01:33:08):
The issue, and that might be unfortunately, that might be
the best option they have.

Speaker 5 (01:33:13):
And just so you know, they're not going to put
them out of their home.

Speaker 4 (01:33:17):
They're not. They're going to do what you said. They're
going to take the tree down. They're going to put
a lien on the house. And then these people can
make small monthly payments to try to chisel away at
that lean.

Speaker 5 (01:33:30):
Do you know, do they own their home free and
clear that?

Speaker 20 (01:33:34):
I don't know, but I think they might.

Speaker 5 (01:33:37):
Then that's going to be the way to go.

Speaker 4 (01:33:39):
Or they take out a loan on the house or
a reverse loan, and all they if they get a
reverse mortgage, they can get extra money they need it,
or just get enough to do the tree.

Speaker 5 (01:33:51):
But that's what they're going to have to do.

Speaker 4 (01:33:52):
There is no one. I mean, the reverse loan to
me is a great idea because at their age, okay,
they're not going to get fifty percent, but they might
get thirty or forty percent, and if it's paid for,
that would give them some extra money. They don't have
to pay it back at all. It's there's nothing wrong
with doing that. And see him, pretty good idea.

Speaker 5 (01:34:16):
CMG Mortgage does those. He's a good.

Speaker 14 (01:34:19):
Guys company, that's right, see him.

Speaker 4 (01:34:24):
Yeah, I'm trying to find their number right here, CMG Financial. Oh,
I know where you can go to their website Partner
in Lending dot Com.

Speaker 5 (01:34:33):
Partner in Lending dot com, lending dot com.

Speaker 15 (01:34:38):
Got it?

Speaker 4 (01:34:38):
Okay? Now, also if you want and what they could
do as a reverse loan. And really, if it was
only to remove that tree, they wouldn't need much at all. Uh,
they might be forced to take more money, but they
can do it on the line of credit, which means
they get a line of credit, let's say for one
hundred thousand dollars. They use what they can for the house,

(01:35:00):
I mean for the tree. The rest can stay in
a line of credit and they don't have to it
doesn't accrue against them interest wise because they're not using
it yet, but it's there for emergencies, and tell them
they never.

Speaker 5 (01:35:13):
Have to pay it back. They won't lose their home,
and it just sits there and if.

Speaker 4 (01:35:17):
They ever have to leave, they simply have to pay
it off like any loan, but it sits there until
they do, until they're they're going to leave. But I
would that might be the good. Okay, that's the first suggestion,
the one that you had about you paying one thousand
dollars toward it and then they doing what they pay
nothing or they pay.

Speaker 20 (01:35:38):
I don't think they have anything to pay.

Speaker 11 (01:35:40):
That would be more.

Speaker 20 (01:35:41):
I'm more just poking around to know if you know
any tree companies that might do a philanthropy for a veteran.

Speaker 4 (01:35:49):
Okay, you know, I know companies. I know of companies
that would do it if it wasn't. Now remember if
this is going to be a five or six thousand
dollars job, if it's that big of a tree, it
has nothing to do with their philanthropic nature or their charitableness.
It has to do with practicality. I mean, they'd have

(01:36:10):
to take days and days to do this. But I
do have some you can check with I. In fact,
I have one that he's a very good person. I'm
not saying he'll do it, but it's called it's but
you can. But but I still think he might give
you a reduction. If this woman can get a reverse loan,

(01:36:32):
now you might. She may not. She may not like
the idea of a reverse loan. But then you let
the city put a lien on it and do it.
Let the city do it, because the city will not
foreclothes on that house. They will let it sit there
and and you know it's going to accrue interest, but
it will sit there. And then I think what you

(01:36:55):
do is you have them pay toward it. But are
are you speaking terms with them?

Speaker 15 (01:37:01):
Oh?

Speaker 20 (01:37:02):
Yeah, yes, we're friends. Yeah, this hasn't caused any problems.

Speaker 11 (01:37:06):
I'm just trying to help them.

Speaker 20 (01:37:08):
They don't seem to know what to do other than panic.

Speaker 4 (01:37:11):
Well, a reverse loan may help them because it'll give
them an emergency line of credit for the future, because
I you know, I can't imagine them using a lot
of it for that for the tree. Even if it's
five or six grand, that's very small. They'd have a
lot left in that line of credit to use in
the future for an emergency.

Speaker 20 (01:37:29):
And awesome for them.

Speaker 4 (01:37:31):
Now here's mister Green Jeans, who we use at our
house and they're great people. You may just want to
ask him about the tree and they might. You know,
I don't know what they'll do, but just ask them
because they're good people. Three oh three, three oh three,
four two six forty nine forty five.

Speaker 20 (01:37:52):
Okay, three or three, thank you, and then try Partner
in Lending dot com the reverse loan.

Speaker 4 (01:38:06):
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 9 (01:38:10):
You don't pay a cent until you're content.

Speaker 4 (01:38:15):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three o three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hey Tom

(01:38:39):
Martino here, Welcome to the show. Okay, So I see
a guy who has a trailer out front of his
house on the street and has a boot on it.
I said, that poor son of a bum got it,
got his trailer booted. Next day, I go and I
see another one, a trailer down the street from him,

(01:39:01):
has a boot on it, and I'm thinking there must
be a lot of people putting boots on trailers. So
I finally got curious.

Speaker 5 (01:39:08):
Because I saw that his trailer.

Speaker 4 (01:39:10):
Had been moved, but he still had a boot on it,
and I wondered, how did he move it? What do
you think? I found out he's.

Speaker 8 (01:39:20):
Putting it their first own safety keep it from getting stolen.

Speaker 4 (01:39:22):
That's exactly right. They're using private boots. In fact, they're
all over the neighborhood. People are booting their own vehicle
in order to keep it from being stolen, especially when
it comes to a trailer, because with a trailer.

Speaker 5 (01:39:36):
Anyone can pull up, hook up to it, and take off.

Speaker 4 (01:39:39):
Yeah, so that is to me, that's ingenius. So he's
got the trailer out front of his house, he comes
home from work and puts a boot on it.

Speaker 8 (01:39:51):
It probably still has a hitchlock on it too. I'd assume.

Speaker 5 (01:39:55):
What is the hitch line?

Speaker 8 (01:39:56):
It goes on the hitch You actually lost the hitcheskay?

Speaker 5 (01:39:59):
Okay? Yeah?

Speaker 4 (01:40:00):
For sure, and more and more trailers I looked it up.
Are they're almost an invitation to steal. It's not if
they're going to be stolen, but when they're going to
be stolen. I mean, people are pretty damn bold. I
mean they pull up and pull a trailer away, and
that's really easy. Now, are there are hitchlocks eas easily defeated.

Speaker 5 (01:40:21):
They must be a big guy has hitchlocks.

Speaker 8 (01:40:23):
Some of them are, but the majority of them are
pretty tough.

Speaker 4 (01:40:27):
Okay, So in any case, we mentioned gift cards, and
somebody brought up sealed gift cards and Kevin also did,
and then somebody texted me and that's really important. I said,
do not buy gift cards unless they're electronic online that
you can, you know, give to a QR code to
your friend. But they are now some of them putting

(01:40:48):
gift cards in sealed packages. Now, even a sealed package
can be unsealed and resealed, but not very easily, especially
the ones where you have to tear it open or
you have to the little rip cord. So if you're
going to buy at the store a gift card, do
not buy these gift cards that are sticky glued to

(01:41:10):
a card or just hanging there. Anything that gives you
access to the back of that gift card is susceptible
to hacking. And the way they do it, somebody asks, well,
I don't understand. How do they do it? They get
the number off the back of the card. They and
then they activate it but don't use it, and they

(01:41:32):
get notified when it's activated by you, and they use
the money that you load onto it almost immediately. Now
there's way more to it than I just explained, but
that's the basics of it. They scrape it, get the number,
go online, and I guess they don't actually activate it,

(01:41:54):
but they go online and start an account and then
wait for it to be loaded. Then they use it imediately,
and they reseal. There are ways, and there are even
YouTube videos on this where people show you how it's done,
where they reseal the card with a not reseal it,
but cover up the number again with some wide out

(01:42:14):
or something similar to that, so you think.

Speaker 5 (01:42:17):
It's a fresh card and it's not. So be careful
of that.

Speaker 4 (01:42:22):
Make sure that the cards are in sealed packages only.
All right, we have another hour to go on the
Troubleshooter Show. If you have a car question problem and
complain and give us a call. I also have some
here that have been texting me. I'll get to so
remember three oh three Martino three oh three six two
seven eight four six six or three oh three seven
to one three talk go with a sure thing Denver's

(01:42:44):
best roofer Excel Roofing dot com.

Speaker 9 (01:42:46):
You don't pay a cent until you're content.

Speaker 4 (01:42:52):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance company find out now three all three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two.

Speaker 7 (01:43:13):
Yeah, ri.

Speaker 2 (01:43:21):
Need so you don't have.

Speaker 1 (01:43:25):
Come running just as fast as we can.

Speaker 2 (01:43:29):
Shooter's gonna help.

Speaker 1 (01:43:30):
Come man.

Speaker 3 (01:43:32):
This is the Troubleshooter Show. No Tom Martine, Hello Tom Martino.

Speaker 4 (01:43:38):
Here this hour brought to by Frank durand the real
Estateman dot com. What does Frank do well? He buys
and sells real estate better than anybody's negotiated negotiation expert. Truly,
we love Frank and I've referred him to hundreds of people,
but I want to say that what he'll do for
you is an analysis of your home, Like this is
a crazy market right now. If you want to know

(01:43:58):
what your home will self or in this market, He'll
do an analysis of your property, the comps, the neighborhood
supply and demand, the interest rates and all of that
to come up with a figure that you can pretty
much depend on.

Speaker 5 (01:44:13):
He's really good at what he does.

Speaker 4 (01:44:15):
If you want to get an idea, no obligation to
list Frank durandereal Estateman dot com three h three nineteen
zero sixteen twenty two. So one of the several things
we've been talking about today with our car experts, in
with Deputy D Anddeputy dot gathering of information. And I've
been doing some research on that in between all of

(01:44:35):
our calls and our discussions and call. Every car, every
single car gathers information, barnun So you can't say mine doesn't.
It does, and you give it permission. When you download
any app for a car, you give permission for it
to monitor and disseminate information about you. You also give
permission many times with the online interfaces or when I

(01:45:00):
say online in the car, when you're going in and
creating a profile. Many of them have driver profiles so
you can save seat settings and all of that. When
you go into your infotainment. Many times in the infotainment
center itself, you acknowledge certain things. Sometimes it is a
permission for them to use your data, suffice it to say,

(01:45:23):
without giving you each in every detail. These cars are
getting a permission and they are gathering information from you.
So what do they do with it? Well, they pass
it on. There are two ways to pass on information.
One is anonymously and the other is not. If it's

(01:45:44):
what I mean by not anonymously, I wondered what good
is information? Well, they put this information together, and there
are companies that knit it all together. They have identifying
information about you that's passed on about you, and there

(01:46:05):
are companies that specialize in building individual profiles on people.
So while some information might be general data, much of
it is done through code numbers coded for you, which

(01:46:26):
go to an information broker or brokers, there's more than one,
and they build individual profiles. So Tom Martino has a
profile and everything that now by the way.

Speaker 5 (01:46:40):
It's not a perfect system.

Speaker 4 (01:46:41):
So there might be two or three profiles for me,
but where they can, they merge them and they sell
individual information. So information brokers are people who know how
to do this. They go and find out information about Tom.
They can tell how fast I drive, what I drive.
And when I questioned about how do they know I

(01:47:02):
went to a dealer and looked at a car? Because
they know I went to a dealer and looked at
a car, because they know my GPS. They know where
you go, they know when you go, they know how
you drive, they know what you slow down for, they
know what you speed up for. They know what you
listen to on your car, they know what you talk
about in your car. And you will be fed ads accordingly.

(01:47:28):
But more than that, you will be priced certain prices
for insurance and for other things based on your profile.

Speaker 18 (01:47:38):
Why Tom, are they really microphones in the car that
pick up your voice?

Speaker 4 (01:47:42):
Absolutely that, Yeah, they're built in. That's what they do
for Bluetooth or for talking to your car when you
talk to it.

Speaker 5 (01:47:50):
I don't know I can talk to my car.

Speaker 8 (01:47:52):
Well, yeah, but you know Demetri's old sleds. They don't
have a microphone.

Speaker 4 (01:47:55):
No, Now, his car does not spy on him.

Speaker 14 (01:47:58):
No, it doesn't have the capability to spy on me,
and God willing it never will.

Speaker 4 (01:48:02):
Right, But there are so many things that spy on us.
The idea of privacy is out the window. It's not
going to happen anymore. So why would it care though,
about breaking and about all of that? I mean, and
why does it send this data constantly? And it actually

(01:48:22):
knows by the way, your profile and where you're insured,
and it actually feeds insurance companies information as well. Now
on the darker side, we talked about credit cards selling
information about what you buy and where you buy it

(01:48:42):
and how you buy things.

Speaker 5 (01:48:44):
So you're fed.

Speaker 4 (01:48:46):
Ads depending on times of day now, because they know
you trigger at night more than during the day, so
they will actually trigger ads to you at a certain
time of day when they say this is the time
Tom buys. You know, it's frightening that somewhere. I mean,
I don't even know how to picture it.

Speaker 5 (01:49:07):
I mean, I imagine it's all software.

Speaker 4 (01:49:09):
I don't think there's anyone sitting there saying, oh, we
just got this more information on Tom. Let's put it
in his data. But on the darker side. Let's talk
about this. I went through a year of hell fighting cancer,
and I got offers on buying my life insurance. Now

(01:49:32):
I don't have life insurance. They didn't know that, but
in Kate huh yeah, yeah, I told it no, but
but I had like, but I actually didn't have life insurance.
No fooling around, long story, but I always thought about that,
and uh, and I just decided against it. And I

(01:49:53):
was getting offers, so as if I had life insurance,
they were going to buy it. So somewhere along the line,
it was gathered that Tom Martine has cancer. Cancer is
sometimes not survivable, often not survivable, and he we want
to offer him this deal to buy life insurance. Isn't

(01:50:16):
that dark weird? Huh? And so they do the same
thing with people, and this is even deeper. I went
into people with porn addictions. They know if you have
a porn addiction, if you sign onto your computer and
if you go to certain porn sites. Now you may

(01:50:37):
think you're doing it anonymously. There is no anonymously at
all browsing at all.

Speaker 5 (01:50:44):
Ever, don't think there is.

Speaker 4 (01:50:47):
And they have certain things they will send to you
if they think you lean toward porn and dark stuff,
then they will if you turn toward Jesus and other stuff.

Speaker 5 (01:50:59):
I mean obvious, But what I don't.

Speaker 4 (01:51:01):
This is the one part that I find I find
the most difficult is the profiling as an individual.

Speaker 5 (01:51:08):
I can see anonymous data.

Speaker 4 (01:51:10):
I can see that, or I can see sending me
an AD on my phone because it's my phone, and
sending on my phone certain ads because I have my phone.
But then when my information is not on my phone
but sence somewhere else, how does it retain the identity
of Tom Martino for other people to put it in

(01:51:34):
my profile for insurance or other things. Those are the
things we don't know, but we do know. It's a
giant business. So if you think you're anonymous, you're not.
I often thought what would be It would be a
cool science fiction book. I shouldn't even mention, I should
mention who the hell I'm not going to read it?

(01:51:56):
If they I would call it invisible. And it's about
parents who decided that their next child will be invisible,
and they will not have this child signed up or
do anything that would ever give them a digital footprint
ever anywhere, nowhere, And then that person becomes almost like

(01:52:19):
a superhero because they're invisible and they're able to do
things that no one else can do, to anti hack
and help people, and they're known as the invisible one. Well,
I don't know about that. I mean, I guess If
I guess, I guess they are. I mean, what would

(01:52:40):
make you invisible? When you're born a birth certificate? You're
not invisible? Right there? Right there?

Speaker 13 (01:52:45):
You start, Well, you had some kids down in Texas
that were invisible, still are today.

Speaker 8 (01:52:51):
You're right.

Speaker 4 (01:52:51):
No one knew who they were. That's right, because they
never had birth certificates, but it caused them major troubles
and major problems. Give us your thoughts on invisibility. Give
us your thoughts if truly you care. I've it's so
far gone right now. I don't care. I know Dmitri
still cares because he won't talk in front of my TV. Well,

(01:53:15):
and he does not trust that l G TV for nothing.
He says, Tom, it's listening. It's listening, Tom, Tom. When
I first bought it, no, we were setting it up.
Dmitri went with me to did we go to best Buyer?
Was a my micro center? We went to buy this
jobt I mean it was the best deal in the world, right,
So we went by, we're setting it up and he don't.

Speaker 2 (01:53:35):
Don't do it, don't.

Speaker 4 (01:53:37):
He's saying, do you realize it costs more to build
that TV than you bought it. For the reason they
do that is they just that's the whole reason right there,
to get you to sign it. And you really mean that, Oh.

Speaker 14 (01:53:48):
I know it for a fact.

Speaker 6 (01:53:49):
Uh.

Speaker 14 (01:53:49):
You know LG loses money on every single television that
they sell in the United States.

Speaker 4 (01:53:54):
Because it's a gathered it's an information gathering tool.

Speaker 14 (01:53:57):
Yeah, yeah, absolutely in more ways. And you think so,
I'll send you a couple of other articles over the
weekend about what smart TVs send back to the mother
sheep back to the mothership about you. Now, by the way,
tom it bears mentioning that frankly, I would not mind
these marketing companies and data brokers gathering my information if

(01:54:19):
they allowed me to financially participate in the value of
my data.

Speaker 4 (01:54:23):
So one time there was a company talking about that.

Speaker 8 (01:54:25):
Yeah.

Speaker 14 (01:54:26):
So if somebody wants to sell my driving habits to
the credit reporting agency like GM did, that's fine as
long as I get let's say, a nickel deposited into
my Amazon account every time they make that sale. If
somebody wants to make my phone ring with a junk
text message or a junk phone call, I want five
dollars deposited into my phone company account. So if there

(01:54:46):
was a way to do that, I would sign up
for all of that, especially if it's the results and
ads for things I'm interested in buying.

Speaker 4 (01:54:52):
Yeah, we are all information commodities, but I wonder what
an individual it depends on their income, I would have.
What would the universe of information on that individual be
over a ten year period As far as value, Oh, priceless, Well,
not price, because I mean, in other words, what would

(01:55:16):
someone truly pay you if you voluntarily opened up your
entire life to them per year. Now, if you had
a higher income, I imagine they would pay you more
than if you had a lower income because they know
you have more potential to spend. But that you know,
I thought I had heard of a company trying to
monetize individuals and give them a profile where they openly

(01:55:40):
participated in benefiting from the information they gave. It wasn't
all that much money, but I forget the name of
the company, and they were openly saying we believe individuals
should be compensated and maybe in the future that will
be the model that you are selling yourself.

Speaker 5 (01:55:59):
You sign up and you willingly, willingly.

Speaker 4 (01:56:03):
Let them tap everything you do, and you participate in
the profit of that. Because data information, data mining has
is there's money attached to it. People pay for this,
but I'd love to find someone who actually pays for it.
And then when I said that the other day, I
believe it was Mark Mark Major was on Facebook and

(01:56:25):
he was pushing out an ad for us for three
Oho three Martino, and he says, here, we're paying for it, right,
We're buying audiences, we are buying profiles, we are buying
people that make a certain amount of money. We're buying
So because he was telling it, who do we want
to send get help at three Oho three Martino. So

(01:56:46):
you buy your audience. So that's where that's where Facebook
is selling it. And then Google sells it with their
pay per clicks. Right, so everybody sells it. But when
do they get down to the individual that they're selling
your information because they know that you just bought something. Anyway,
we got more coming up on the Troubleshooter show three

(01:57:06):
all three seven one three talks seven one three eight
two five five Go with a sure thing Denver's best
roofer Excel Roofing dot com.

Speaker 9 (01:57:18):
You don't pay a cent until you're content.

Speaker 4 (01:57:23):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
seven to one help You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two.

Speaker 5 (01:57:51):
Hello people, what's happening so?

Speaker 4 (01:57:54):
Smart TVs and streaming devices track what you watch, how
long you watch, and the ADG you interact with. Aren't
appliances collect performance data usage times when you do certain things.
Connect to your Wi Fi and they transmit diagnostics. Cars
track of course, location behavior, voice commands, sometimes even in

(01:58:15):
cabin activities and audio. The data device manufacturers use a
lot of data in general purposes for product improvement and
targeted devices. App developers and service providers like Google made
Amazon Roku for targeted advertising. They sell you demographics. So

(01:58:38):
when you want to advertise, They say, okay, who do
you want?

Speaker 5 (01:58:42):
How much do they make? And so they do. So
it's not an individual.

Speaker 4 (01:58:45):
Now, remember we're still talking about demographics and we're talking
about targeting general groups of people. However, the CD part
of this third party data brokers who over time, when
they receive information from certain smart devices, have tied it

(01:59:06):
to an i D number. That ID number is truly you,
but they know it as an ID number and they
track it in a profile. And this profile then from
the devices that you have, get smarter and smarter about
you and your device IDs do this, your accounts and

(01:59:31):
logins do this, and your IP addresses and Wi Fi
networks do this, and your advertising. You become an advertising
i D and they know you. So they literally can
send stuff out t D and to Tom but not
to doc or to doc and to Kevin, but not to.

Speaker 5 (01:59:51):
Not to Jeff.

Speaker 4 (01:59:53):
So they literally have device, not device, but personalities people
that they that they target. But this is the infancy
of that. Right now, We're in the infancy of that,
and AI is helping to do it. The problem is
knitting together this information because other people may use devices,

(02:00:16):
they have to know that it's a device mostly used
by you, and they do that by seeing consistent reporting
of certain behaviors. Then they associate that with a profile,
and that profile gets smarter and smarter about you. So
someone doesn't They don't say let's target Tom Martino for this,

(02:00:40):
but they say, let's target this person who we see here,
and then it goes out to me, but it says
here there may be twin people, not twin and twins,
but twin, So they might be sending it out to
an ID that resembles Tom Martino, but it also might
be John Smith as well, So we're so close that

(02:01:03):
we may be targeted together. But they haven't gotten to
a point where literally they rush stuff out to an
individual person at this point. But that's not long, that's
not that's not far where I think you're gonna have
AI calling you personally for specific things. And and they know,

(02:01:26):
for example, everyone knows your birthday, right, you get marketed,
you get wished happy birthday from people and from apps
and from everywhere.

Speaker 5 (02:01:35):
Right you know, you get happy birthday.

Speaker 4 (02:01:38):
So then they're starting to know what you bought and
when it's going to wear out, so they start hitting
you up for things that will wear out in the
future that you may be looking to replace.

Speaker 5 (02:01:53):
And how about this.

Speaker 4 (02:01:54):
We've all had this happen where we might be shopping
at a place and this is not a race pastry shop,
just the place where we visited, right.

Speaker 1 (02:02:03):
And.

Speaker 5 (02:02:05):
We get a notice.

Speaker 4 (02:02:09):
I got a notice the next day saying you left
stuff in a cart.

Speaker 5 (02:02:15):
Okay, but I didn't leave my name or I didn't
log in.

Speaker 4 (02:02:17):
This was a guest.

Speaker 5 (02:02:18):
I was a guest.

Speaker 4 (02:02:19):
But they got my IP and then sent it back
to the phone saying do you want to finish your checkout?
And so they know that you were there based on
an IP. And this also says this research I did
says that IPS then get linked together according to behavior,
and then different IPS become the same person. So we

(02:02:42):
have we don't have just one IP. We have an
IP when we're on our computer, we have an IP
when we're on our when we're on our phone. And
these ips then helped to make up these individual profiles.
It says here the goal someday is to have these
individual profiles by name, so they can literally point to
a neighborhood and basically profile the entire neighborhood, and they

(02:03:06):
can tell you whether or not you should bother being
in that neighborhood or not, or they can target certain
households in that neighborhood and not others. This is going
to be something for direct mail as well, which will
still be alive and well, instead of sending to a
zip code, they will send to individuals, a group of individuals.

Speaker 8 (02:03:30):
Well, it's expensive to market, you know, if they can
point their marketing, I think.

Speaker 4 (02:03:35):
And really, and really, there's nothing wrong with this with marketing,
because that's all it is is marketing. They're not making
you buy it, They're presenting it to you. And I think,
when I think about it, I'd rather be marketed by
targeted information than by everybody.

Speaker 5 (02:03:52):
Sure, I mean I like being targeted.

Speaker 4 (02:03:55):
I mean, for God's sakes, people know, I'm looking for
a car and I've been looking car forever and I'm
not gonna buy one, problemly because i just got pissed
off on board and I'm getting so many car hit ups.
But also I like being targeted, Like I like technology,
and I'm whenever there's a new Mac or new something anything.

Speaker 5 (02:04:16):
Yeah, I like it. I don't I guess I don't
mind it. Do you mind it?

Speaker 4 (02:04:19):
Dan? Being targeted with you, No.

Speaker 8 (02:04:21):
I don't mind it.

Speaker 4 (02:04:21):
And were you gonna say, Dragon, Yeah, I'm there with you.

Speaker 8 (02:04:25):
I really enjoy it. But stop marketing to me once
I purchased the items.

Speaker 10 (02:04:29):
As I bought my damn toaster, stop showing me toasters.

Speaker 4 (02:04:33):
You're right because you still get them. What were you
gonna say, Dan, Oh, I was gonna say.

Speaker 14 (02:04:37):
I think I would welcome it under the scenario that
I proposed earlier, where I get paid a knickel, because
I do want some system out there to realize that, hey,
my tires have fifty thousand miles on them. Now it's
about time for me to buy the same tire because
I've been buying it year after year after year. And
if somebody could offer me a really great deal on
that tire without me having to go a shop, you know,

(02:04:57):
for a couple of hours like I usually do, I
would actually we welcome that. It's the it's the it's
the irrelevant stuff like you know, the the breast milk
pump or you know whatever.

Speaker 4 (02:05:06):
I understand. No, I'd rather be targeted for for UH
to be to be targeted for something I want or
something that interests me. I love getting targeted for aviation
stuff all the time. I love it. I love just
looking at it, even though I'm not gonna buy. I mean,
how many times I don't know? I might be crazy.
Have you ever gone and just browsed certain sites like

(02:05:28):
that might have things you're interested in, just you're not
gonna be You're not even going to buy anything.

Speaker 18 (02:05:34):
How can I stop getting ads for blow up dolls?

Speaker 4 (02:05:36):
Your your your your thing? Went off there? I think
he turned it off at the at the right time.
Deputy Dog was asking me an inappropriate question. Anyway, we
have more coming up. I want to say that Denver
Regen dot com. While they're known for a lot of
things like testosterone replacement for men and for weight loss
drugs at pennies on the dollar, I want to remind

(02:05:59):
your business is stem cell therapy for painful joints and tendons,
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about stem cell therapy, Denverregen dot com, go with a
sure thing Denver's Best roofer Excel Roofing dot com. You

(02:06:19):
don't pay a cent until you're content. Time for an
insurance check up free no obligation. Comparison call compass insurance
paying too much your coverage at dozens of insurance companies.
Find out Now three all three seven to seven to one. Help.
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your

(02:06:40):
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martina here, So this guy
bought a used Honda Civic. I'm a small dealer and uh, anyway,
the check engine like came on the very next day.
The dealer said, you bought it as is, so don't

(02:07:04):
they have to fix it? And what are my rights?
And I thought of something normally, you know that is right,
you do buy something as is, but since dealers aren't
allowed to hide things, and that would be that would
be a disclosure issue because you're buying it as is.

Speaker 5 (02:07:23):
But if as is is.

Speaker 4 (02:07:25):
Misrepresented, then the as is is out the window and
you have you do have teeth. The reason I'm bringing
this up is you brought something up to me the
other day that I really believe I never considered before.
And I don't think people check and that is when
they clear something out of a computer. Oh yeah, so
couldn't I make the argument, can you see what they cleared,

(02:07:48):
or do you see that they just cleared it.

Speaker 8 (02:07:50):
You can see monitors have not reset since the last clear,
so you can only see that how long ago it
was cleared.

Speaker 4 (02:07:58):
But you can't see what they clear years most of them.
Because I was thinking if you can show well, no,
I even think if if you had a problem and
you can show that they cleared the computer just before
you bought it, I think you could make the argument. Yeah,
I think you can make the argument in an as
is sale. And this is new to me, but you

(02:08:19):
can make the argument they hid something yep, because why
did they clear it.

Speaker 13 (02:08:24):
We can also make the argument that you know they
actually made other repairs. There may have been other codes.
So transmission solenoid A was was faulty, they fixed it,
they cleared it, and next day, you know, the input
speed sensor goes bad.

Speaker 4 (02:08:36):
You still see the way away. So when you fix something,
it doesn't clear the code automatically.

Speaker 8 (02:08:41):
Not necessarily, no.

Speaker 4 (02:08:44):
Certain done.

Speaker 8 (02:08:44):
You know you have to reset it.

Speaker 4 (02:08:46):
Yeah, oh so sometimes you reset.

Speaker 8 (02:08:49):
Sometimes they change a battery and the computer shows that
it was the reset because the battery does.

Speaker 4 (02:08:54):
But in any case, that's something you may want to
try if the computer was cleared, that's it. Now I
want to buy a car. I went to buy a car.
It was advertised for twenty eight grand. When I sat down,
they added some other stuff and it came to another
three grand and they said, this stuff you have to

(02:09:15):
buy thirty one. Can they do that? Well, okay, here's
the problem. They really can't do that. If they advertise
something for a certain price, they have to sell it
for the advertised price unless there's a disclaimer down there
that says other charges apply, or plus dealer handling and
prep and all that. But you know that new law
coming out that says everything has to be priced upfront,

(02:09:39):
must be accurate, and include all of that. There is
a new law that January first takes effect, and we
were talking about it. It's that House bill whatever. It's
an amendment to the Consumer Protection Act. It's going to
make it much more difficult to do. But the more
I read about it, by the way, that act says
that anybody who gives a price, the price must be complete.

(02:10:01):
If you give a price up front, and it must
include all charges and there can be no hidden fees. However,
there are disclaimers you can make that so really, those
disclaimers almost negated. There are disclaimers that can say, plus,
you know this, this and this, so really it's not

(02:10:21):
going to change things as much as we thought. My
mechanic replaced my alternator and the battery keeps dying. He says,
he thinks it's another problem. Now, what do you think, guys?
I mean, I mean, obviously it can be so many things.
So when the battery keeps dying the alternator was replaced,

(02:10:45):
it could just be a bad battery.

Speaker 8 (02:10:47):
Unless that was the initial prominent never needed an.

Speaker 4 (02:10:49):
Alternator, Okay, I bought an extended warranty. The transmission failed,
of course, the warranty denied the claim, saying it was
pre existing condition. The car only has forty thousand miles.
How do you tell when a transmission goes bad, Jeff?
How would we know if it just happened it was

(02:11:10):
a catastrophic failure for the extended warranty or the extended
warranty said, oh no, this was going on for a while.

Speaker 13 (02:11:16):
Generally, when the extended warranty goes after the pre existing
condition scenario is usually within the first thirty days of purchase.
Some of them will extend it to sixty or even
ninety inside those contracts. It's why it's important not just
to read the pamphlet did they give you, but to
know what's actually in the contracts, but most of them
for thirty the first thirty day. Is anything that goes
wrong with that car is going to be on you

(02:11:38):
matter what.

Speaker 4 (02:11:39):
Okay, now, but if you do have a transmission problem,
is there a way to tell how long that transmission
problem has been around?

Speaker 5 (02:11:49):
Is there a way you know?

Speaker 4 (02:11:51):
I mean, can you tell if there's something that's catastrophic
sudden or within the last week or so, or oh
this has been lingering for months?

Speaker 13 (02:11:59):
Their way to use your favorite legal term, and that's
it depends, right, So it depending on what that failure is.
You know, a catastrophic failure. I mean, if you drop
a pan and we find, you know, half of the
planetary gears are in the bottom, Well, that was catastrophic.
That happened right away.

Speaker 5 (02:12:13):
Okay.

Speaker 13 (02:12:14):
If I see something like ground up refined aluminum that
suspended in a fluid floating to it, it's probably been
going on for a little.

Speaker 5 (02:12:20):
While, okay, Okay.

Speaker 4 (02:12:22):
So in other words, in order to say pre existing,
there's got to be a little something to it.

Speaker 13 (02:12:28):
There's got to be a little something to it. Now,
usually they won't argue with even the broken up metal
that's in there. In there, they're suspended in the fluid. Okay, Yeah,
the customer has no way of knowing that's going on
while he's driving down the road. As long as you're
outside that thirty days, it's easy to say, hey, you know,
and it looks like torquev material, or it looks like
pump material, or whatever the case may be, and then
they'll authorize the repairs going forward for internal failure.

Speaker 4 (02:12:51):
Okay, Now on this one, this is easy. You trade
it in your car, you paid off the loan. The
dealer refuses to cance you a gap insurance, well they can't, Okay.
The Attorney General years ago took a dealer to court
because they weren't they weren't allowing them to cancel extended
warranties or gap coverage. But they absolutely positively must give

(02:13:16):
you a pro rated refund, and the Attorney General has
proven that and taken action. Now, there are some rare
contracts that are that are non refundable, but they're usually
ones like a paint celant or paint protection or stuff
like that because it's on the car, so you can't

(02:13:36):
pro rate it. But definitely if you have gap and
you're not using it, you can get your money back.
Tom Martino here, Welcome to the show. Okay, how about
this one, guys, this is an interesting one. A guy
bought a car. It was used car and it was
guaranteed oil changes for not guaranteed. It was oil changes

(02:13:57):
for life program. Okay, they say he has to pay
an up charge for synthetic oil, but he says his
car only takes synthetic first and foremost.

Speaker 5 (02:14:06):
Is that true?

Speaker 4 (02:14:07):
Are there cars that can only take synthetic?

Speaker 8 (02:14:09):
There's certain cars depending on the way to the oil.
The only oil that you can use is synthetic, like
a zero thirty. You can't get a blend. It's only synthetic.
So you have no choice.

Speaker 4 (02:14:19):
So what do you think if they said oil changes
for life, but they're willing to do oil changes, they
just won't do the synthetic. He has to pay the
up charge, not that much.

Speaker 13 (02:14:32):
It would be one thing if they say if it's
you know, it says it's not good for synthetic oil changes,
But no one it needs a synthetic change. They sold
him something he can never use or you know, say
it's got a maximum cap of twenty nine to ninety nine,
whatever the heck it is.

Speaker 8 (02:14:44):
Some cars are no choice all right.

Speaker 4 (02:14:47):
By the way, I'm so tired of these pay the
roof for upfront two months ago, no calls, no work,
his website's gone. Am I out the money yet? You know,
unfortunately you probably are at the money now. We have
a Contractor's Trust Act in this state. But I got
to tell you that.

Speaker 8 (02:15:07):
But you got to find the guy.

Speaker 4 (02:15:09):
Yeah, well, even if you found the guy, they no
one is enforcing the Contractor's Trust Act. But it is
a good example of where you can use the law
to sue someone individually. It's not necessarily a private right
to action, but you can use the law. They broke
the law, they did you harm, and you can go

(02:15:29):
after them.

Speaker 18 (02:15:30):
Is there any jail time associated with that act or
the strictly military.

Speaker 4 (02:15:34):
First of all, the Contractor's Trust Act can turn criminal.
It can if they refuse to make it right, or
if they didn't, if they didn't segregate the money. The
problem is no one and I mean there is not
one jurisdiction, not one that will enforce it. I bought.

Speaker 5 (02:15:53):
I bought a truck.

Speaker 4 (02:15:54):
With a three year extended warranty, my transmission blue. They're
saying it's not covered because again another Oh that's the
same one I read the pre existing nevermind you mentioned
that that there are times you can tell if it's
pre existing or not. I clicked on a free trial
for skin cream just pay shipping. Two weeks later I

(02:16:14):
got charged ninety eight dollars is sending me more. They
said I signed up for a subscription. Okay, that right,
by the way. That happens all the time. So you know,
here's what I say. Cancel the credit card. Don't even
bother fighting with them. Cancel the credit card or change
your credit card number. You're never going to win this argument.

(02:16:35):
They're not going to come after you in court, and
you're just going to be done with them. These people
that bill like this, there's no reasoning you can't call them.
You can't do anything. And especially if you buy something
on Instagram, there is no company to go after. These
things come from timbuck to and then you try to
return it or you try to get your money back guarantee,

(02:16:57):
and you won't. You just look at it. It's just
a chance you're taking when you do business like this.

Speaker 5 (02:17:03):
Here's a good.

Speaker 4 (02:17:04):
Example of Google. Right now, I am seeing video of
New York City Police barnacles they're putting on windshields.

Speaker 5 (02:17:12):
And we were talking about talking.

Speaker 4 (02:17:13):
About and now I have video here and it says
New York City Police debut barnacle for windshields.

Speaker 8 (02:17:20):
And we'd never heard of that before.

Speaker 4 (02:17:21):
Now, no, And I put it into this computer, not
that one. Now was this computer listening to me? I
think so, I'm seeing it right in front of me. Anyway,
we're out of time. Don't forget three zero three Martino
for help, information and referrals.