The Troubleshooter 5-2-25

Ripped news need advice, so you don't have to come running. Just as fast as we can. Shooter's gonna help coming man.

This is the Troubleshooter Show now, Tom Martine.

Hey, good morning, good morning, good morning. This is John Fuller filling in for mister Tom Martine on the Troubleshooter Network. Today is Friday, which means it is car Day or truck Day or car.

And Pitch today, don't forget and.

Pizza Day and all sorts of other good days. It's beautiful outside. We should all be outside enjoying ourselves in this beautiful weather. Joining me in the studio today. We have our esteem guest Jeff Vic and Kevin Culkin, who are here every Friday with Car Day, and we have Deputies Doc and Deputy Dmitri in the house and we are here to help you with all of your problems. We answer questions, all problems, take complaints, and particularly today, we help work through every issue you could come up

May be, give us a call. Today.

We have a couple of follow up issues that we're going to get to at some point today. One of

How you doing, Billy good?

How are you good?

So Billy, Just so the listeners are up to speed. Here, you bought a twenty eleven F one fifty that had almost well like one hundred and eighty four hundred and eighty five thousand miles on it at the time that you bought it.

Correct well, it had one hundred and ninety five. That was a miscalculation on their part, okay, so they thought it was one eighty four and actuality it was one ninety five. Well, he had mistyped it when he typed it in, so they knew it was one ninety five.

So the warranty company knew it was one ninety five. Yes, sir, okay, So their documents. I've reviewed the douments, by the way, Billy sent us a document yesterday. Both myself and Dmitri have read it a number of times. We have that in front of us. Their documents all say one eighty four to five, right, for give or take, and so to bring the I mean, really, when we're talking ten thousand miles, flip flopping the four in the five or not?

The or not the crux of our issue here today. Correct, But to make.

A long story short, you drove away a happy camper, You financed the vehicle, you're making payments on the vehicle, and you're making payments on this aftermarket warranty as well. Correct, Yes, sir, all right, and then you fade off into the distance, and then all of a sudden, the turbo goes out, shells out, and shoots a bunch of stuff down into the motor and kills the whole engine.

Correct.

Correct, how much is it supposed to cost you to fix that whole engine?

Repairing that vehicle.

So where's that now? Is dealer and they're just completely outrageous. I did get another quote, okay that I sent over to them, and it's roughly about fifty five dollars.

Okay, So the new quote that you got was fifty five what the.

Dealer tell you?

Absolutely nothing, It was free.

They didn't give you a quote at all.

For the Oh for the dealer, yeah no, so their quote was twenty thousand.

Oh okay, Well that's the difference between rebuilt and used, right, Yeah, there's no way.

It's five grand. That's all used.

So what do you think five grand is trying to rebuild the.

Existing that's a used setup, just to use motors, motor dropping one yep, yep, labor and everything that's that's that's low. That's thirty low. That's pretty low.

Even with that, depending on which warranty company this is, a lot of the warranty companies will only pay for use replacements, particularly on higher mileage vehicles.

We're not even there, you know, okay, we're just trying to figure out how bad the damage is. So so what I'm hearing you say is the best deal you've got is about five grand to put in a used motor, and that's through. Is that an approved like real shop or is that a buddy that does work?

Or no, it is an approved shop?

Okay, cool, all right, so fast forward. We then contact the warranty company. And the warranty company is a company called Endurance, and the Endurance contract is here in front of me. And Endurance had signed a contract with you promising to cover the next one hundred thousand miles of your ownership for the low low price of four thousand,

So when I initially signed the contract, I'd let them know that it was one hundred and ninety five thousand. The gentleman that typed it in fat finger the key did whatever. So when I had presented my claim, the maintenance records on that truck showed more than one hundred and eighty one hundred and eighty five, right, So the last maintenance record was like a one ninety five.

So are they using the provision that says you didn't provide normal maintenance on the vehicle and that's why they're going to deny it?

Or what are they saying?

They're telling me that I didn't update with the actual odomino reading inside the thirty days allotted, But I had no idea that they needed that information.

So I count myself as a pretty good reader. And I read that sucker three times at least. And I didn't see anywhere in there that it said that you had a duty to update and bring them up to speed on anywhere. Did they cite some provision of the contract that they're relying on for this, No, sir, just word of mouth.

Okay, did they deny it in writing?

Now?

They haven't given me anything in writing.

Did they say that you had materially misrepresented the vehicle and that's what they were relying upon?

Pretty much? Yeah?

Not pretty much? Did they use those words?

Not exactly? They turned around, and so the whole denial was because I didn't call in with the original o'domino reading. The estimate that I gave them was less than six hundred miles off.

Okay, so I'm confused again. You told them one hundred and ninety five thousand. Somebody fat fingered the one eighty four or one eighty five on the contract, and then they noticed that some of your maintenance records were off by ten thousand according to their books. Did they ask you about the milage? I mean, how did this come up? I don't really know how we ran into problems with them.

So the shop had called me, the dealership had called me and said that, and Durance had denied the claim. So I had called to find out why, and their excuse was because I didn't update the o'domina reading inside that first thirty days.

Okay, all right, Billy, hang on a second. We got to go to a quick break. We're going to try to analyze this thing here and come up with a game play, and so hang type for a second.

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All right, good morning, We're back live on the Troubleshooter Network. John Fuller here filling in for Tom and Mark and in the studio with Meir, Jeffick and Kevin Caulkin. Today's car Day, and we are knee deep in an issue with that started yesterday. Zoe. I promise I'm going to get to your issue here in just a little bit,

It's kind of funny.

We're sitting here in the studio and there's a commercial for this outfit that just came on the television in front of us, So what a what a coincidence?

That's just that's just too darn funny.

But but nowhere on the commercial does it show that they're capping and limiting their benefits to the amount that that that they do in the contract. But but surprisingly here would you do you know what the cap is? Have you looked at it to see.

I have read through that contract and I do know it states and labor costs.

Yeah, no, here's what it states. We're never going to ever pay more than ten grand period over the life of this contract. So that could be you know, five different repairs of two grand, but once they hit ten they're done.

Or.

The trade in value of your vehicle at the time that the the the covered repair you know, needed to be made. So so you're talking about an f one fifty that's on I was fifteen years old with two hundred thousand miles on it. Do you know what the value that truck is today?

I don't.

I'll tell you that Nada's trade end value puts it.

At between about five and maybe sixty five hundred dollars. So here's the thing. The maximum they're ever gonna pay on that contract is about fifty five hundred dollars. Let's call it six just for the easy math. Okay, okay, So you paid almost five grand for a warranty. That maximum is going to never pay over the life of the warranty more than six thousand dollars towards a covered repair if they even decide that it's truly a covered repair.

And and that's a shrinking cap too. Next year, that truck's going to be worth less.

That's exactly right.

And so you know, they allegedly covered that thing out to two hundred and what they thought was two hundred and eighty thousand miles. What the heck is an F one fifty with two hundred and eighty thousand miles worth earth two grand, three grand.

It's going to every month it's going to be less.

So every month, their maximum exposure goes down, but your payment stays the same, and you're you're paying interest on that every single month for the life of this thing. Does that seem like a good investment for you? Not really? No note of And I'm guessing that I'm guessing that nobody sat down and explained that to you, that we'd like to sell you something that's going to cost you

Pay for the used motor. Well, I mean that would be the ideal.

That would be the ideal thing to do, is that there's there you know, maybe that's really the starting point, Dmitri. There's been no material misrepresentation. This thing is like, you know, we're talking minuscule percentages of the overall mileage. There was nothing material. It was done over the phone. They can't prove that it was a willful misrepresentation. They've got a buyer's order, you know, that was filled out by the guy that filled it out, that puts the mileage on

Favor, right right, And now, one of the things that our caller needs to keep in mind is I too write the contract and if he is successful at canceling is which there is a cancelation provision and there is tact It seems to be pretty straightforward. He's not going to get a refund for what he already paid.

Well, I don't think he's going to get that anyway, because he financed it, so it's not like he paid it off in full out of cash. So the best they can do is to try to unravel this saying, and yes.

It will be pro rated, but you know, but it's better than god knows how many more years of almost two hundred bucks a month for a question.

Wouldn't it be helpful at all to ask them to send him a written statement of why the denim acclaim so that you have something concrete to talk about when you call them.

That's never a bad idea. I mean, you guys deal with this warranty company. What's your experience with them?

I mean, well, the all warranty companies look for an out right, that's their first step is to try to figure out how to not cover stuff, so, you know, and I can see why they have a mileage clause. I mean, this one, okay, wasn't as as egregious as you know. I had three hundred thousand. I told you I had fifty thousand, so I'm sure it was just an automatic trigger, you know, and a conversation made just solve the whole thing.

It's curable, not ten grand off the end date of this thing and call it good. I doubt seriously that their actuarial tables make a Ford truck with one hundred and ninety five thousand miles anymore experience like they actively like they wouldn't have covered it Ford truck with one hundred and eighty five thousand.

I mean, come on, it's not it's just not that big.

Of most of these outfits, you get to the right person with the right attitude, with the right information, and it's solvable.

So that's my hope, and and you know, maybe we can deal with it. I'm we're going to talk at some point when we get a break in the action today about the rest of the provisions in this and how absurd they are with regard to the arbitration provisions and how that actually, you know, how that actually works out, and what rights you truly have, And I will map out for you what it would look like if you truly said, by dang it, I'm going to fight these people, and I'm going to go down that road and see

I know she called you today and she has some of it.

But Dimitri will be in touch with you and you guys are going to work together and hopefully we'll have some good outcome, you know, at some point in the near future. Okay, Billy, fantastic, All right, Bud, good luck, and we'll talk to you again soon. Okay, we are going to go take a real quick break. We will be right back. We've got a couple of calls backed up.

Zoe.

We're going to deal with your issue with a moving company, and we've got Duey on the line with the transmission issues.

So hang tight, we will be right back.

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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 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 home with Remax Alliance three oh three nine two zero, sixteen twenty two.

All right, I'm speechless.

Here John Fuller for the Troubleshooter Show. Here we are having a riveting conversation where Dimitri is trying to explain to us that nicotine is practically good for you. I think is the best way to sum it up. So we are having a lovely discussion about that. But we're going to go to the phones again here. And Zoe, you've been holding for a while. You've got an issue with a moving company. What is going on?

Zoe?

Hello?

So I recently moved from Colorado to Massachusetts, okay, And I did some research online of movers that are good with interstate travel, and I reached out to Minard's Trucking, which is actually a broker which I was unaware of, okay, and they contracted me with Swift Moving Services okay. And when they came to pick up my stuff, it was already a day late and didn't I wasn't contacted about who my carrier was, so I was unclear of who to pay, how to pay, and then get to my roof.

And I was told by the.

Broker representative that they actually did not have any active workers company, so my property management wouldn't allow them to bring my things, which I told them back in April that they needed this, and so now I had to hire a separate moving company with actual insurance to pick.

Up my things.

They said they were going to put it in a storage unit, which they didn't end up doing, so now I'm having today having to have a reputable company pick up my things from the truck.

Are you at least going to get your stuff. I mean that's the next chapter. I'm just waiting for you to say that your stuff was missing.

Yeah, and the driver themselves actually reached out to me and said if they come after two pm, we will not be here. So I don't even know how to handle this situation, but I know that I'm going to speak with attorney about fraudulent claims of insurance gut Bridge because.

This is ridiculous.

Zoe, How can we help you today?

One quick question was a brokelyn Florida.

Yes, they are a broker was in Florida.

You just look them up there in Florida.

Yes, we said this just to all the people listening.

Anytime you get somebody that's a broken Florida, do not pasco, do not collect hundred dollars.

You hang up and find somebody else.

Every time we've heard a story like this for the past i know how many years, it's always a broker in Florida.

Yeah, and there I filed acclaim with the f MC or s CSA, and I've been in contact with the owner of the brokereen company saying he's going to try and figure it out and get me a deal. So I filed a complaint on both of the companies.

Well, I mean, I'm glad that you're sharing the story with us. How can we help you today?

I just want to know if I have a case to push forward for fraudulent insurance.

Well, and if there's any.

Way that I could positively because I paid almost five grand for this.

Yeah, and so here's kind of my take on it.

Number One, get your furniture back before you go filing all these complaints and stuff. I mean, yeah, you know, let's not put the cart before the horse here. You need to do what you need to do to protect yourself and mitigate your damages and get your darned furniture back. Once you've got your furniture, you can file complaints till

Dmitri, you had a thought.

Hey Zoe, A couple of quick questions for you. Did you pay for this movie with a credit card or some other way.

So I paid the broker. My first payment was with the credit card, and then the carrier. It was twenty three up front, and then and then when they came to pick it up, I didn't know that I was supposed to pay the carrier. I thought I was paying the broker, which would make sense to me, but they wanted only a Zell payment.

Yeah. Yeah, So what was the total contract price that you had planned on?

So initially my quote was around thirty five hundred because I was trying to beat a pod price. But then once they had all my stuff, they said, oh, it's more cubic feet. I'm like, okay, I understand that, huh. And then it ended up being like fifty five hundred.

And so you paid it. Sounds like you paid about twenty three hundred on a credit card to the broker, and then the balance and Zell to the actual moving company.

And yeah, so I paid them.

How much more?

I paid them fifty?

Yeah, I understand, And roughly speaking, how much more is this going to cost you to actually get your stuff back?

To get my stuff it's going to pay It's going to cost me another sixteen hundred and eighty dollars.

That's not bad, John, What do you think of this? Uh, there's no chance she's going to get any money back from the actual moving company. That's why it was a Zell payment instead of a credit card. How about how about if Zoe's after she gets her stuff back, her first step is just to dispute the charge on her credit card because she paid for service that turned out

Fraud, she's got sixty days from statement date when she paid that.

Okay, well, yeah, you're right, Jeff. Now, in my experience, some credit cards allow you. So in my case, I have a credit card that allows a year for me to dispute something. It's it's, it's, it's. It really depends on who issued the credit card. Is kind of what it looks like, and I think it doesn't sound like it was very long ago anyway. So, John, I mean, does she have any downside to disputing this thing on the credit card and documenting all of these losses.

I mean, the only downside is that they potentially deny it I mean there's no there's no real there's no real really for asking.

No, but the broker.

Provider service, the broker fixed got her set up with a moving company. They're gonna tell the credit card company. Look, she paid us to find a mover. We found a mover. If there was a problem with a mover, then she needs to deal with that. They they you know, that's their out.

So did you sign any kind of a contract with the with the with.

Minari, I find two separate bill of Ladys. So the first one was my.

Estimate, not the bill of and then I find not the bill Then I was there an actual contract.

It's it's not even a full contract. It's just an estimate, a binding estimate which ended up not being binding, if that makes sense.

And that's the estimate from Minard. Okay, well that's I mean that turned into a contract, right John, after she made a payment that that estimate became a contract.

Yeah, I mean it seems like the only real issue there was the sixteen hundred additional right she's having to pay for the lack of insurance.

The rest of it, they can argue.

I'm going to just speak straight with you, Zoe. If you get out of this and you get your stuff back, and at the end of the day you only got fleeced to the tune of sixteen hundred. You're not doing too bad. I would file the fraud claim with your credit card and see what happens. Throw it against the wall. Who knows. You may get lucky on that and get some of that back, or at least open a you know,

I just way ahead. Yeah, I think that.

You're doing really good in the sense that you know what these documents are and you really kept really good records of what's going on. But listen, before you go crazy on the complaints and stuff, get your property back, Okay, that's got to just be the absolute priority. Do not file, do not dog cuss anybody, don't do it. Do what you have to do to get your property back first, and then, you know, explore all the different options that you have.

Uh.

Best of luck, let us know how it works out. Appreciate the call today, Zodie, have a good day. We're gonna go to a break. We'll be right back. Today's car Day. Give us a call seven one three eight two five five.

We're here to help.

You go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three 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.

All right, good afternoon, John Fuller here on the Troubleshooter Network. We are here on car Day and we have some callers lined up. We're going to go directly to the phone. But if we can help you, this is an opportunity to get in without a whole lot of people in front of you. Just give us a call at three h three seven one three eight two five five. We have in the studio Jeffick and Kevin Coulkin, who are veritable experts on all things automotive and so give us

Hi, So I have a previous landlord. I'm currently paying two rents because I had to get out of my old space for my mental health, and I have now cleaned out all my belongings from there. So kind of just a s anoposit of what the land or was doing. They were restricting any guests in the house. They did not allow me to have guests to visit overnight anything like that.

They are in this house basically just.

A single room being the rest of the house very much there, and they put up cameras in the house without telling the tenants. It was myself another person that we're living in the basement of basically this house with a couple as living upstairs as the landlords, and so realizing that it wasn't going to be a place that I could safely exist.

Did you know they.

Put in the place or were they secret?

They did not tell me beforehand?

No, okay, but it did.

It just show up on the coffee table. I mean it did you know they were there or did they secretly record you for a period of time?

It wasn't secret they did. They put them up in like the like the living room, in the kitchen and the dining room.

Okay.

So, and I did some research yesterday into consent party laws in Colorado, and because basically it said that, like, if you have reasonable expectation of privacy, it's not illegal. But also you're inside your own house, Like would that be a reasonable expectation of privacy, especially if you don't have access to the recordings or were so knowledge that it's happening.

So you ended up moving out of this place, you said for mental health reasons and what into another place? Is that why you have two rents going on?

Yes? So currently in a bay situation, I'm living with my partners, so I've it's definitely not an immediate situation that I need to be around these people. But and I recently went back and cleaned out the rest of my like I moved through the majority of my things a few months ago, but haven't been able to build up the gumption to go back to finish out everything.

So how can we help you today? Forca so I.

Was hoping that I could get any suggestions on ways to move forward last night. Oh, they also when I went to clean up my stuff, they had ripped out the floor in my room and are doing a full construction project in the space that I'm paying for. They also refused any attempts to into replacement tenant. There were several times that I tried to bring somebody or get somebody that wanted to pay over Lite.

Priscilla hang on, we'll be right back after this break. We've got some ideas for you. Jason and Dennis hang On will be with you as well.

We've got to go to this break. Thanks you listen.

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You don't pay a cent until you're content.

Plea of 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 three nine two zero, sixteen twenty two.

You need advice so you don't have Camaruning's just as fast as we can. Shooter's gonna help come man.

This is the Troubleshooter Show. Now, Tom Martinez, Hey, good afternoon.

John Fuller here filling in for Tom Martino on The Troubleshooter Show. We are rocking and rolling here today in the studio. We have Jeff Vick and Kevin Colkin. It is card day. We are here to help you out. We've got a number of callers lined up. We're gonna go right to the call lines, starting with Priscilla, who we are finishing up with. Priscilla was a tenant and

Looks like, oh she's there, okay.

How much time did you have?

Myself?

The lease is over July thirty, first and I sent an official notice yesterday to to my landlord saying like, hey, I'm out everything, and he responded with Okay, still basically still expecting right for the rest of the term, even though I'm completely moved out. They started a construction project in my room, so like, it's not livable. Even the room that I'm paying for isn't currently inhabitable.

Okay. How much were you paying a month?

Seven hundred?

Okay, So you know, here's the thing I mean, I think, and you guys chime in if you have a different opinion here. I think creating conditions that make the unit uninhabitable and particularly starting a construction project, would amount to a constructive eviction under most people's eyes. It's one of those things where, according to the real estate attorney that was here yesterday, you almost have to put this in the landlord's lap and let them begin formal eviction proceedings against you.

If you don't.

Show up and you don't pay the rent, all he can really do is begin formal eviction proceedings. But you've already moved out, and you gave him that in writing, so that's really kind of a moot point. And then to try to sue you to collect that money. And I think that a defense to the collectibility of the rent is going to be the habitability of the unit

No, I think you're absolutely done on with that. Yeah, I wouldn't pay another nickel, no way. Let him come after you, that's all he can do, I mean, and then then deal with it.

But was you security deposit.

I believe it was. It was one month, so it was about seven hundred, all.

Right, So basically he's gonna he's not gonna come after you for fourteen hundred bucks if you have photographs of the construction going on.

Yeah, I tend to agree with you.

And in the future. Listen, a landlord can put all these conditions on you, but they can't just spring them on you kind of midstream. That's where the landlord gets into kind of a breech situation on their side. But your strength is in documenting everything and communicating in writing. So it's not enough to say I couldn't help. But notice you put seventeen cameras in my unit overnight. You knows it needs to be an email or something written

Well, getting back to that security deposit, though he still has an obligation to inform her why he's holding me. That's absolutely right a security deposit, and he has to do that in writing.

He's got thirty days to do that, and it's got less.

Yeah, unless your lease actually says, you know, sixty days, which can be done with the lease, but it's by Colorado law, it's thirty and if he fails to do that within the thirty then you need to put him on notice that you're going to sue him for trouble damages without right. So you just are quick to hand that money out.

You got a lot more power than you think you have in this position. So I would sit back and wait see what he does at the end of the thirty days, or look at your lease about the timeframe for the security deposit, and if he doesn't send that back to you or itemize it, give us a shout back. We can help guide you on exactly how to go down that road, and we'll deal with it then all right, Priscilla.

Okay, that'd be awesome. And do you guys think it is it best? The best position for me, just as little community who as him as possible from here on.

Out to sit tight. Anything you do should be in writing.

Okay, all right, all right, good luck to you, Priscilla, appreciate the call. We're going to go next to Jason. Jason has an issue with a front end.

Here.

What's going on on your ford? F three fifty there?

Jason?

How are you doing good?

Hey?

So my tires are wearing wearing really funny.

Towards the outside.

I think it's something wrong.

With the front end of my truck, but I don't know for sure.

And I was just wondering who I could take it to the have it diagnosed, and how much of what cost to have something like that diagnosed?

What kind of vehicle is it?

It's a dually so it's a big it's a big boy.

Is it a crew cab? I mean? Is it long long?

No, it's.

Extended so have the half doors.

Yeah, it's something we could I mean, it could be ball joints, could be a lot of things.

How many miles are on it?

So one hundred and fifteen thousand, one hundred and sixteen thousand, but not a ton, but they're all my miles.

Good good, yeah, first thing that comes to line his ball joints, you know, the wheels are leaning.

You know, you gotta find.

Out why you can get weight on the front end of that.

Oh yeah, that's a big truck. That's a heavy truck.

So yeah, yeah, she's.

A big girl. Where could I take it to go get a diagnosed?

And how much was something like that run?

Well, what it would basically be would be an alignment or an alignment checks, so whatever somebody charges for an alignment, that's what they would charge you to check it out, and they should be able to give you an estimate based on that. But I wouldn't, you know, I wouldn't ask for a diagnosis. I would ask for an alignment and let them tell you what they find, right, because a good alignment shop is can to find loose components.

You can look him up at Sheridan Auto Tech dot com or call him at three oh three four five five seven two four to two. All right, Jason, perfect, thank ry, good luck to Thanks for the call. We're gonna take another quick break here. When we come back, we're going to talk to Dennis about his F one fifty and we'll be able to take your calls as well, So hang on just a second.

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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.

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All right, Good afternoon, John Fuller here on the Troubleshooter Network. We are talking with Chasing right now. I think we finished up with Jason. We're talking with Dennis. Now, Dennis, you've got something going on with your F one fifty. What is happening in Dennis?

Well, I.

Took my truck to SAAL's Auto Tech last year and had a motor put in it twenty one thousand dollars and it hasn't stopped leaking since I've taken it back seven times. If I take it back again, this will be the eight time. It cost me probably ten thousand dollars almost in rental fees. And I've just cook it to a Sheridan Auto Tech and Isaiah looked at it and he showed me it's spitting oil all over the place. And I don't know about taking it back to the guy.

Did you rent it from Sawsy.

That every time?

Excuse me?

Are you renting that car from Saul's Auto Tech?

No, it's from Going Rentals who they recommended, and that they recommended me to have. I had it towed up and they recommended the toe they did. You know they will reimburse you never reimburse me for that. And then I want to talk to Saul because you know, this is just shot at work and his guy says, oh, he had knee surgery and he's really he can't what knee surgery has nothing to do with you nailing or talk.

Let's try to unpack this then.

Is is it the same issue every time that you go back to Saul's Auto Tech?

Or is it something different each time?

Well, it's been there's been something. It's been something with the warranty of the motor. Last time I took it back, they said it would be I took it back because the check engine light.

Again.

The fourth time they said it was the intercooler and the inter cooler wasn't under warranty. Cost me twenty eight hundred dollars. And when I took it now to Kevin Shop, there shardan AutoZone. Isaiah showed me they used silicone in probably like ten places where it should have been gaskets, all right, and that's why it's spitting oil all over the place.

Let's turn it over to Kevin here. What is going on with Dennis's truck?

Well, from what they told me, I didn't see it. Obviously is there today, but it is. They're not doing it properly because some areas you cannot use silicone because of heat. It has to have a gasket, right, you know, an oil feed tube on a turbo. You can't put silicon on. It's not going to hold up right. Well, it's not so it's it's leaking. It's just it's just shoddy work.

You know.

The motor probably you know, may need to come out, may need to come out to be resealed properly. You know, a lot of times it's easier to pull the motor than that. Do you know you said you got a warranty. Did Saul's rebuild it or did they buy it from somebody and install it?

They were supposed to be bought, But I almost think that they tried rebuilding it because it's never it's never run like a rebuilt engine. It ran like you know, it just there was always something wrong with it.

Because the warranty should you should if they did purchase it, because we buy motors all the time, you know, to install, and they have nationwide warranties. So we supply the customer with Jasper for examples one or LKQ, and they'll have a three year, four year warranty that they can go anywhere. They don't have to come back to us, you know, if they're traveling what have you. So if you can find out who they purchased it from and who the warranty is, we may be able to help you with that.

Yeah, what they did is I guess it's once they put the motor in and I took it back because it was still leaking oil. Then supposedly they had to get back with the manufacturer and get another one, another motor supposedly.

So you think they're on the you're on the third motor in this truck.

Does I think I'm on the second placement motor from salce right, would see, I'm not getting I'm not getting any information. Like I took it back one time, I'd lost I had no power. I took it back and I started driving in over there, and next thing you know, it's just blowing black smoke out to the exhaust. They have no throttle, So they had it for ten weeks.

They never told me what they.

Did to it ten weeks, and.

When I asked them ten weeks, I mean they've had it for eight weeks, ten weeks, four weeks, you know, after this motor installation. That's what I'm saying. They're killing me on rents.

So let me make sure I understand this, Dennis.

Are they are they blaming this on the WA warranty company for why it takes ten weeks to get you something done? Or I mean, why is it taking so long every time for you to get your truck back out?

Well, I notice when I go to his shop, there's probably fifty cars around that shop.

And I did notice.

I did read the reviews the other day, and there's a lot of no good reviews. So I probably should have done that in the beginning.

But you know, I.

Know, but I'm trying to figure out. Is the issue a dispute between essentially you and the warranty company, or is it that Sauls keeps doing crappy work, and the warranty company it just keeps paying for it.

Well, they're.

Taking it back for the leaks, and they're doing whatever they're doing, putting more silicon, but they're not stopping the leak. A day later, I get my truck back after ten weeks is still leaking oil. And then I have to call them and thw them hey, you know, and they're like, well, you know, we bring you back. And then I told I texted all because, like I said, he won't call me. I texted him and said, who do I need to call? Tom Martino, a lawyer, see say crue and he goes.

But I stand by my work, and I'm like, okay, so what.

Do we do here, Kevin? I mean, is this really a warranty company issue?

It can be because Dimitri and I have been working. It took us a month to get there, but we took it from another shop, didn't take the customer, brought it to us. We found out who they purchased the motor from, and we follow the claim. Well, we finally got it approved. They're going to send us a new motor to take care of this for this guy. So that's why I'm asking if he can find out who they bought.

The motor from.

Where is the warranty? Is it with the Jasper, is it with LKQ? Who is There's only a couple big manufacturers, So find that out.

Yeah, I can.

I can call I'm sorry, Kevin, I can call.

Him and tell him. But he did tell me I had a three year, thirty thousand my warranty.

Yeah, that's standard, right, find out who it's with and we can transfer to us and we'll get we'll see if we can get you taken care of that way. You know you're not getting it from him obviously, so I wouldn't go back way.

Yeah, And I mean when I've seen he showed me silicone on the valve cover gaskets.

Yep, that's that's.

Like something an apprentice mechanic might try.

You know.

I agree.

So so all right, well, Dennis, get us that information. We need to know who the manufacturer of the motor was or where they got the motor from and the warranty company.

That's that's going on here.

If you get that information and get back to us or get it to Kevin at the shop since that's where your your vehicle is and and we'll try to help you. We'll try to work through and get a solution for you.

Okay, all right, all right, I didn't leave my truck at the shop because I got to work.

Yeah, but you know where it is in the information.

I'll call.

I'll call the I'll call Isaiah with the information just as soon as I can.

Get it good, He'll take care of it, all right, perfect, perfect, all right, Thanks for the call, Dennis. We appreciate it so as you can hear. This is car day to day. We're trying to work through your issues. So give us a call. We've got open lines right now. The phone number is three three seven one three eight two five five. When we come back in just a moment, we're going

So we'll be right back after this break.

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All right, good afternoon, John Fuller here on the Troubleshooter Network. We are right in the middle of car day and so that means we're here. We've got experts in the house. We have Jeffick and Kevin Colkin that are here to help answer your questions all things cars, maintenance, fixing, buying, selling value. Anything you have on your mind that you want to talk about. Give us a call. The number

Well, Lisa was with an apartment full of cockroa. Oh yeah, yeah, that was You might be thinking of Marie, her by car from the Sharpest Ride.

He did, and she called us and expressed that she was having transmission problems and was getting no luck on getting the transmission fixed under the warranty that she had bought from the Sharpest Rides. And so Deputy Dimitri was kind enough to step in. I'll let him pick up the story where I left off.

Well, the story gets even more interesting. So a couple of days ago, the Sharpest Rides actually traded her out of that car what into a different used car, and so at no additional costs, but they just transferred the financing and the deposit into this new Infinity used Infinity that she just got.

Okay, so I asked Marie, my.

First question was did you get the car inspected before you signed the paperwork? And she said, well, the Sharpest Rides did an inspection. H My reaction exactly John, and that day, Yeah, it passed. Well, it passed because what she then followed up with saying, well, it was a

Which how much money are these cars costing her that they're trading her in and out of?

Yeah, so their value priced vehicles, as you can imagine, And she had five thousand dollars down with a total purchase price of sixteen something. And that includes a whole bunch of there's like a gap insurance, which I was very surprised to see on such an old, low value car. It includes electronic filing fee, doc fee, stuff like that.

Now, are you gonna you're gonna broach that proposal to them?

Or are you gonna help her?

Yeah?

I wanted to see I was hoping that we'd have her on the air right now, Killy, if you get a chance, give her a shout. She did agree to come on the air and get her to leave. The potential solution the choice of these two solutions to Marie.

Before let's say, if we can get Marie on the line, I want to talk to experts here about Yeah, just a second, what exactly? I mean, what do you do in a car inspection? What do people need to be worried about? Like they can't they just reset like check engine lights and a lot of times they'll just stay off for a couple of days.

I mean, but what they call the monitors inside the system need to reset, and that's by driving after you've cleared the light.

Okay.

So if we get in and there's no codes, but the monitors are not set, well we know they cleared the codes, okay, and that's just the red flag. So it's not like there you don't clear codes for no reason, right, So I mean talk to us.

About what what is what does an inspection entail? Like, what do you do? What are you looking for? What can a buyer rely upon after they've had a car inspected that they wouldn't get just yeah.

It's it's very thorough.

I mean, we first off as safety, you know, we look front end brakes, you know, things like that, lights, check to make sure it's not been wrecked. You can tell from the underside if it's been in a wreck or most of the time you can of course, electronics. You pluck scanners in, run all the all the modules. You know, some cars have up to fifteen modules, and then leaks leaks are notorious in a lot of cars, transmission leaks, engine leaks.

It's it's very very thorough.

How how does it work?

I mean, do these dealerships let the potential buyer bring it to you or you go there?

They come to us, they come down and most of them the dealers are yeah, you'll go get it checked. They're they're open to it, you know, and if they're not, I tell that people don't buy it.

Well, yeah, that's your first red flag. Yeah, sure, that's the biggest. So how much can somebody anticipate spending to get a good comprehensive inspection, and I know it probably varies.

Does we cap it at one twenty?

Really?

Yeah, it's reasonable, get it done.

Wow, that's super anticipation in the hope that they'll appreciate the service and come back and have some of the work done. I'll be honest, we're you know, we're just trying to put our sticker on the car and get our face in front of new customers. And you know, but one twenty is a bargain.

I think so too, Jeff, do you ever do those?

Well, you know, since we're transmission specialists, we typically focus only on the drive train, right, you know, if we do see some other red flags pop up or something like that, you know, but the customer knows that when you're coming in, we're not going to be popping wheels. We're not checking brakes like Kevin does. That's just outside of our wheelhouse. So yeah, we'll focus on the transmission.

I mean, I'm guessing the answer is all cars. But I mean, is there a threshold where it just becomes almost imperative that you get one checked out? Like it's it just when it's getting to the end of the warranty and you're fixing to be solo on this that it becomes critical or what are your thoughts on that. There's some things.

I mean, people give car dealers credit for knowing how cars even work, and they don't. I'll be honest. They're salespeople and that's what they do, and they're not trying to deceive people. I think most of the time they don't even know what's wrong with the cars. So but I would be I would expect every single I mean, the more expensive, the more you want to serve. You know, well, and we're getting into a used vehicle, and I don't care if you go a seemingly low mileage. You know

We talked about earlier too. Is run a car fax.

It sounds so simple, but I was trying to shop for a cheaper car from my girlfriend's granddaughter and three out of five cars had the odos changed.

Does that really happen.

I didn't think it did, but we ran into three of them where the miles was as much as one hundred thousand miles.

Les h, How did they change that these days? I thought that was all so computerized out that.

They just changed the cluster. Really, yeah, you can do it, so certain guys can program it. But yeah, three out of five cars, the odometers will rolled back from over two hundred thousand to just over one hundred.

Wow.

And they're private, They're not car dealers doing this. I'm not ac choosing dealers, but I mean, if you're looking at a car, get the VN, pay the thirty five bucks and run a.

Car fact and car facts.

I mean, for whatever it's worth, they at least have milestones where stuff was done to that car, so you know if an oil change was done. You don't care so much that the oil change was done. You just care that it's in chronological sequence to the miles going up, and then all of a sudden something shows up. You're like bingo.

We now know westwards in Utah in June with two hundred thousand ounced in Colorado and September with one hundred and five, how many owners were leave that's how many wrecks. You know, how many accidents has it had.

I can tell stories. I've got an old case many moons ago where the Russians in Denver were taking cars and disassembling them and then you know, doing these insurance scams and claiming that they were stolen, and they would take the chassis out, just park them in the middle of the street on some subdivision Denver. Would eventually find them, take the chassis to Clodes or co Parts or something.

That's brilliant coming from our resident.

To be sure to have a question.

Did did Marie find out what the color of that check engine light?

Or she hasn't done that yet.

Uh, well, we're waiting for Marie to call us. Both Kelly and the Ice Center messages, so we'll find out in a few minutes.

Let's find out that we're gonna go to another break here. We've got pat lined up on the next side and we'll be right back.

Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three 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.

I'd just love to do that. Good afternoon, John Fuller, here for the Troubleshooter Network. We are back rounding out the second hour, if you can believe that, and we are here to help you. On the Troubleshooter Network, we solve problems, say complaints, answer questions, give us a call. Three oh three seven one three eight two five five is the number. We have, uh Pat on the line. We're going to go to right now and after that we are here waiting for your call.

So give us a call. What is going on?

Pat?

Good morning, mister Fuller. I've got a neighbor owns a duplex. He doesn't live in it, but uh he has a tenant that won't up the dog dow. It's been a year's worth and I'm not having real good luck with Colorado Springs code enforcement. But when I called about it originally a couple of weeks ago and talked to Tom, Mark had mentioned third party action. What exactly is he saying?

Well, I think what he's trying to say, and I can't speak for what is in Mark's mind, that.

That is a big ask a buck.

I would presume that Mark is is thinking of some nuisance action or something against him. For the problem you're going to have is that the damages are hard to quantify in that you know, you're not incurring expenses economic type losses that you could say, look, I've had to hire a dog, you know, poof removal service or something like that. So it's purely just like the aesthetics of seeing this dog, you know, this dog mess and in

No, but he threw some over the other day when the city made him do something.

But well, he threw it over the fence.

Oh yeah, yeah, as like a thank you for calling it in.

Yeah, for for reporting him.

You know, I think I'd be setting up a video camera for that, and that would that would definitely cross the line there, you know. I mean, listen, I think you have the right to to go after the guy that The challenge you're going to find is that, you know, principally you're absolutely right, but there's just not a lot

Way?

I did it two days ago.

So I'm giving him seven to ten days to see if they can follow up on it. Just because it's the bureaucracy. Yeah, you responded.

I wonder too if you can make a complaint that you know that the animal's not being taken care of. I mean, obviously that's an unhealthy situation. So it's just some sort of neglect or abuse type.

It's almost a welfare you know, report on the dog man. How bad is it?

I mean, is it is it?

But yours worth of feces is a lot?

It is.

But it's sayings John, especially in the morning, in the moisture in the last couple of weeks. Yeah, you uh, it radiates through the neighbors on each side.

Are we talking like a great Dane here or chihuahua? I was wondering how big.

It's a pretty small dog. But like you said, once, uh, once you do, you don't do anything for a year.

It's uh a little.

There.

Do you blober it away?

No, we're not in an I was solved.

It's too bad.

Hey the other ted, have you reached out to your little girl? Yeah?

Pat, what what does the I mean? You you've got a tenant there, that's one part of the problem, but you've also got the owner. I mean, have you talked to the tenant themselves about it is that just not going anywhere or what.

I did talk to him initially and he went ballistic, So it's, uh, it was not a good situation on a day to day basis, but uh yeah, And the owner was notified seven weeks ago and his management company according to code enforcement girl and nobody's nobody's done anything. There are other tenants in the other build on the other side of their building that's the duplex, has two

There is there not a fence between the two units, No, there is not.

They share the backyard together.

Well, I mean, here's my thought on it. Pat. I mean, I'm pretty pragmatic about this kind of stuff, and I think at some point, you know, even if you have the right to bring an action in court, sometimes you're just throwing good money after bad because the reality is it's it's not likely to truly it's not likely to truly change the behavior that's going on here, and it

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Time for an insurance checkup free, no obligation in comparison call Compass Insurance. Pay too much your coverage at dozens of insurance companies find out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two.

Rip News.

You don't have.

Cam running is just as fast as we can. Shooter's gonna help come.

He is the Troubleshooter Show. Now, Tom Martinez.

Good afternoon, This is John Fuller for the Troubleshooter Network. We are in the third hour of the show today on Friday, which is car Day, and to that end, we have Jeff Vic and Kevin Colchin in the house.

Jeff is with.

Camera Transmissine Kimmer Transmissions, he is a transmission expert, and we also have Kevin Culchin. We shared an auto tech so we got both ends of the car covered and we are here to answer your question. So give us a call at three O three seven one three eight two five five. That's three oh three seven one three eight two five five. So earlier in the show today, we talked to a gentleman that that bought an old F one fifty and bought a service contract, and the

Okay.

So your car that's broken, that has a shelled out engine and is sitting out in the backyard, that you're still making payments on your only source of recourse. If you really want to challenge these guys saying we're not paying for your repair is to somehow travel by train, plane, or hitchhike to Lynchburg, Virginia wherever the heck that is.

I'm going to be able to drive there. And you're broken down. The your car's broke.

Down, so you can't drive. You got a hitchhike or catch a ride with somebody or something, and you're not going to court. So you go to this arbitration provision and you know, and so here's the deal.

Guess what, It's not even binding, So you have to go.

Through all this arbitration to get to a decision, and if they don't like it, they can challenge it in court. You want to talk about a stack deck. There's some arbitrator in Lynchburg, Virginia that gets about ten cases a week out of this whatever warranty company. That's all he does. He knows his contract like the back of his hand. And you're going to roll in there and tell them that you know, Bubba misprinted the mileage on the application and you told them the right number on the phone call.

And I mean, there's no chance in the world that you're going to win. But there's also no chance in the world that.

You're going to go to Lynchburg to actually have this case heard in front of this arbitrator to give you a non binding decision that you then have to go try to litigate in Lynchburg, Virginia as well to get a decision that you lose, and then when you lose, you get to pay all of their fees and expenses as well. So, I mean the reality of these contracts, and this is why they're so bad. I mean, some people really tell you, oh, yeah, arbitration's good.

We want to enforce this. We don't want to encourage lawsuits.

And I'm a lawyer. I do lawsuits. I'm not an anti lawsuit kind of guy. I'm an anti you know, fraudulent claim. I'm an anti you know, in any sort of BS lawsuits. Nobody wants those and those I have never filed one in my entire career, don't plan on filing one at any time in the future. And those are bad and I don't like them, and we should get rid of them to whatever extent we can't. But this is not the answer. This does not make you

Bad guy out there.

But this provision in this contract is one of the most anti consumer provisions that I've ever read in one of these. It wouldn't be that much stronger if it said go to Pluto to arbitrate this and to use Mickey Mouse as your arbitrator. I mean, you'd have that much less of a chance of invoking that than you do to invoke these terms in this contract. So that's my two cents on this. We've got a couple of cars lined up, or a couple of callers lined up

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All right, good afternoon, John Puller here on the Troubleshooter Network.

We are moving forward.

Here. We have a caller Tim on the line. Tims calling us about a warranty issue. Tim, What is going on with your warranty?

Oh, I'm just seeing if this sounds right. So last week I took my car to the shop, to the deller that I got her from and purchased the warranty from, which was a three year so many miles. But I'm still within the time period and everything.

Now ten is a new car that you're talking about or a used car?

Yeah, it's used twenty thirteen Yukon Denali.

Okay, so so okay.

So yesterday finally I get like the verdict on whether the warranty people are going to cover it or not.

What happened to your car?

So they say, oh, it's been running good for long. It's almost three years. That warranty is almost stuck. Matter of fact, in June it will be up. So I was driving then it started making a loud o noise and then it stopped, and then I continued driving and everything. I just got that because it was like when it snowed real good, like two weeks ago or so, so I thought maybe it was dragging heights or something like that, like that was weird. So then I drove about five

Yep.

So I went and got the contract and looked into it, and what it says in the contract is they're willing to cover actual cash value or NADA value of the vehicle.

Right.

So then I called up to the warranty people and told them like, yeah, well it's saying that you guys will cover this or this. So I when I looked it up on that NADA, it's like eight thousand dollars. And then when I strolled down then I seen where it says thirty five hundred is the trade in value. So I said, I see where you're getting the thirty five hundred from the trade in value and trade in value and the actual value is not the same. So

Well, here's what I can tell you, Tim, And I don't know what company that you're dealing with. Do you remember the company name of the warranty.

I don't remember the name. I just know that they'red in New Mexico, the people that I'm talking to.

So listen, I don't know who you're dealing with, but I just happened to have this contract that we've been dealing with all day, and so I'm not suggesting that it's the same one that you're dealing with, but it's but they're all very similar, and they have a lot of you know, crossovers and stuff that, and so this particular contract, and you're right, that's exactly why I was saying, this one's such a bad idea, because the guy has a truck that has a true trade in value that's

But as it gets driven.

And as the months go by and he gets more and more miles on it, the value that truck keeps going down, and at some point it becomes controlling, so that the maximum the warranty would pay out is even less than you know, it's even less than what it cost him to buy the warranty in the first place, which just means it's an absolutely ridiculous thing to buy for anybody. Why would you pay more money for a warranty that guarantees to not ever pay you more than

So you know, yeah, you could go to an independent like myself for somebody who's reputable, which is going to come in under the actual cost of you know what you're going to be looking at at a dealership.

Right, So I think you'd be wise to have, you know, somebody else look at this vehicle when you're considering what your options are. And the other benefit of that that a lot of people don't think about, is it These guys like Jeff and Kevin, they deal with these warranting companies all the time, and so they're actively on the phone with them describing what's going on, you know, getting

Tim, Yeah, sir, because yeah, they said thirty five hundreds and all have to pay twenty seven out of.

My pocket.

Expensive TRANSMITSI oh, yeah, that's what they came up with.

And yeah they said for rebuild or refurbst or something like that. Hey, and they said that includes the two hundred and fifty dollars deductibull and all that.

Yeah, Hey, write this career.

Down, confuse to where I didn't see it.

Hey, Tim, write this number down for jeffiic at camera transmission. It's three or three six ninety three, fourteen hundred. Give them a call, see what kind of options you've got to have them take a look at it and just see what your options are.

Okay, okay, yep, Well, thank you for the help. I appreciate it, all right, good.

Luck to you, my friend. You know what he touched on on something we were talking about off air. Don't be the first to make contact with the warranty company. You are your own worst enemy. Trust the guy you're handing your keys to to deal with the warranty company. If they were looking for zing words, they're looking for anything to get out from underneath these things. Bring it in, let us take a look at it. Let us deal

On the car.

Right.

I think that's great advice. It's almost the same advice I give people in the context of accidents and stuff, which is, don't give a statement to the insurance company. You have to understand. And it's the same thing we dealt with yesterday with the attorney that was here in the deal that said at the hospital where his wife

Thanks.

Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies. Find out now three oh three, seven 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 all three nine two zero sixteen twenty two.

All right, good afternoon, John Fuller back with the Troubleshooter Network and joining me in the studio. Here is Jeff Vick and Kevin Culkin, and it is car Day and we are here to help you with all of your problems. We solve problems, state complaints, answer questions. We're here for just about anything. It doesn't have to be limited to cars. But while we have these experts in the house, it's a great time to call with the car issues. But

I just want to see if I can get some help for a friend of mine. She's seventy seven years old and she's lived in her town home for forty years. She does have some serious mental health problems. Okay, but I just found out that she got a notice from the sheriff that they are going to come take her home May eighth for what because of h HOA dues

So it's so the ha, sorry Joanna.

So they actually sued her in foreclosure for this lean against their against the condo?

Is that or the town home?

Is that?

What's going on?

Right?

She owed twenty one thousand dollars in HOA fees and dues is what they were suing her for.

Has she wandered?

I mean, has she been paying anything? I mean, surely she's not.

So, is she's so gone that she doesn't recognize the obligation to pay them or what's going on with the lack of payment?

I'm not sure where that is. She claims that she has paid it, but I don't know. Like I said, she she does have some some serious mental health problems, so I don't know if she has or hasn't.

But does she have any family?

No, she has no family.

And so.

I'm just trying to see if there's something that can be done to delay this or stop this. You know, I know, May next week.

Yeah, John, I just sent Kelly a message to try to get Bride O'Brien on the phone. But just from your basic general knowledge, don't you think that severely handicapped people and very elderly people such as her friend might have some special special protections in this.

Kind of I mean, here's what I know.

She's definitely an at risk adult, okay, by virtue of both her age and her capacity, and you know, and those are both issues that would have been in effect last year when they initiated this deal. And so I think, you know, there may be some salvation in the lack of process or what she didn't participate, But it sounds like, you know, this is the kind of thing that happens when an HOA finally files a lawsuit and then the person doesn't show up and they get a judgment, and

Does she does have a reverse mortgage.

I know that, Oh, wouldn't the reverse mortgage company have paid off this judgment, or they.

Should have, and they should have verified every year that both the insurance and all the obligations were being paid on it. Have you, Joanna, do you have any sort of power of attorney or do you have the ability to actually contact to any of these people on her behalf?

No, I don't, like I say, she's more of an acquaintance. We get together a couple times a year for dinner, and we had just gotten together and she mentioned all this, and I was just terribly worried about her. And I know she has no family, and so that's why I'm trying to find some help for her.

Does she have the means of satisfying this judgment?

She says she does.

Well, it's down.

To the really, the oh my god stage of I mean, I don't know if she even still has a right to cure. I am interested in getting Brad O'Brien on the phone here. Brad one of our real estate attorneys. He was in studio yesterday, and I think that would really be smart of us to get his take on this, Joanna. Can I put you back on hold for just a little bit while we get Brad on the phone just to get some really good advice straight from a guy that does this every day. Yes, all right, just go

Yeah, I think most people are just trying to be helpful, you know, by by trying to lay everything out. But you know, it's a term we used earlier. You know, less is more, you know, the less you tell them. I never candone lying, don't lie to them, but don't answer. You know, is today Tuesday with a story just to answer the questions that you know, and you shouldn't even have talks to your own warranty company.

We do it.

You get you bring your car and tell me what's going on. Here's my warranty. Let me know what you find out and that's the end of it, right, and you never hear back from anybody until we get an answer. And this is what we need to do. Warranty never contacts customers very very rarely, so don't get involved. It just muddies everything up and it makes it harder for us, you know, to make a claim for you, you know, and other little tidbits we talked about, don't don't use it,

They're going to consider that pre existing exactly.

So yeah, and that kind of gets closer to that fraud market we are we talking about. You know, we talked earlier about whether the mileage that was reported for the guy that was on the line with us was was a material misrepresentation. I mean, I think when you can say, look, it's zero point two percent of the overall mileage, and and you know, this guy was trying to do the honest thing and stuff. There's clearly no

Well, you have to live in preparation too for that day of failure, right, you know, everything you do from the time you buy that car and you get that failure, they're going to scrutinize. So if you're scheduled inside your your owner's manual for a transmission service at thirty six thousand miles, it better be before thirty six thousand miles. You better be able to document it.

So how that's a great question, are a great point because it is in this contract here that you have to meet all of the the manufacturers recommended maintenance intervals. So and I know I don't do that in my personal vehicles. It may be plus or over by a little bit or maybe even a lot, and you know, I'll see.

Them where if if it's one mile over this regular rescheduled maintenance where they have declined it just off of that. So if you're doing your own oil changes, you know, save the dates, save the receipts so that you can prove that I bought the oil and the oil filter. You can check the part number. This fits my car right, and this was the date I did it, and this was the mileage I did it on. But they are looking for a reason to duck out, and maintenance is probably the number one.

Of the last one, and that that carries the day for him that holds water, even the one mile failure to get the recommended whatever.

I saw a warranty once in big Bow letters on the first page. If you don't change your oil within fifteen hundred miles of this sale, this warranty is void.

Holy moly. All right, guys, hang on, we'll be right back after this break.

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All right, good afternoon, John Fuller, coming back with the Troubleshooter Network. We are getting rapidly close to the end of the show today. We've got one more hour to go. This is card day. You can reach us at three O three seven one three eight two five five with all of your problems. We have Mike Wink and Jeffick and are Jeffick and Kevin Colkan in the studio and on the line, we have Mike Wink who's going to be joining us today as an expert, and Joanna has

The other thing that the thought that I had in mind was kind of a shortcut. Is there anything you can do to freeze whatever is going to happen next week and clean up the mess later, just to ensure that this very elderly and mentally incapable lady doesn't get kicked out into the street on Thursday.

Sure.

Sure.

So.

A couple of points there. Number One, the homestead exemption does not applied to an HOA. The HOA could have a six months of assessments through what they call a statutory mean, and the home set exemption would not would not protect equity against that lean, but it would to the extent that there was more assessments do when they got a judgment and they filed the judgment lead, which they often do, so that's a little complicated. But the HOA has kind of two types of leans that can get.

That that kind of thing, right, So, Joanna, do you know any more about this? Has there actually been a sale that went down? I mean, what what is she expecting to happen next week? Is it the eviction or the actual sale that's that's coming up on her?

They said at ten o'clock on May eighth is when the sheriff was coming. The letter said, so, is there any way we could find out if it's been sold in foreclosure?

Or how do we does the letters.

Say what the sheriff is going to do at ten o'clock?

I mean no, Unfortunately I haven't seen the letter, and I guess I need to get more information.

Get that letter to Mike Wink right now.

I mean, I think, and if you give me a call offline, we can do. We can do some searching to try to figure out if it's It could be a sheriff's sale, which would be an enforcement of a judgment lead and the homestead exemption could potentially stop it, but it's probably more efficient to file bankruptcy anyways to definitively stop that sale.

Right So, Joanna, these are emergency procedures. This is not something that she can sit back and wait until the end. This is not a scam. This is very real and if she doesn't take these steps, she does stand to lose her home and be forcibly evicted from the home if if she does nothing, and that's you know, that's a horrible outcome, but it could easily actually happen. So here's what I want to do. I want to give

Thank you, Mike. We appreciate your help.

Thank you.

We're going to go to a break.

We'll see on the other side.

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Yeah, ripped.

News.

So you don't have.

Come running as fast as we can show Shooter's gonna help.

Come man, This is the Troubleshooter Show.

Now, Tom Martinez.

Good afternoon, This is John Fuller for the Troubleshooter Network. We are in the final hour of the Troubleshooter Show on Friday. Here in the studio we have Jeff Vick and Kevin Colchan. It is card day and we are here to help you. So we help you solve problems, take complaints, answer questions, uh, anything that we can do relating to a car. Today is the day to call. So if you have problems with your vehicle, with repairs, with warranties, with anything that you have going on, by

Some of it's almost old hat at this point, you know, because we've been dealing with it ever since the COVID epidemic, when you know a lot of manufacturing went down. I mean they had enough stockpiled you know, you had enough steamed roll for a while. But then once those those supplies diminished, well, the cost of parts went up, the rarity of them went up. You know, you'd have to reatroll around the country. We're still doing that now. You know,

Lot of times they're holding back production until they have enough to run a full production run. So in other words, that run maybe twenty five hundred, and they'll just pile all the back orders till they have twenty five hundred and then then flip the switch.

I remember we had a deal a few years ago, and maybe it's still a factor today. But like people couldn't get their cars fixed in the body shops because they couldn't get body parts because of the tsunamis and stuff in Japan and other natural disasters. I mean months and month and months, and the collateral effects of that are you know, the rental car agencies were backed up because the cars were gone from month.

To You have dealerships that had brand new vehicles on the lots that they you know, that didn't have chips on them exactly, they weren't able to sell them, yep, Field, I mean certain ships would show up and now the vehicle was driveable. So they actually ended up selling these vehicles with we owe notices to the consumer so that they when when our HVAC chip comes in, you can come in. We can turn that back on for you.

Yeah, it's nice this time of the year. You won't need your air conditioning that much. You know, that's what the windows are made for. You know that, the old manual air conditioning and stuff.

So you know, but we've already started. You mean, you mentioned the tariffs, and we've seen any of the dealerships. It's most likely a manufacturer wide, but you know, the in preparation for the tariffs, have started raising the prices on certain parts, certain parts. I've had an example of a part that you know, I was paying one hundred and eight dollars for US now over five hundred and sixty And that happened literally inside a ten days time span. When I bought it ten days prior, it cost me

Holy cow.

And sometimes you're not ready for that when you're doing quotes and estimates and everything else. That's because we use common so we know what parts cost and you can put an estimate together, right, but you can't be off by, you know, two hundred percent on.

A party count.

We've got to caller Peter on the line here with a transmission issue. What's going on, Peter?

Hi?

Hello?

I have a twenty twenty three Toyota Camry. Okay, And well, I was in the dealing dealership the other day and they said it's a good idea to get the transmission and fluid changed. Okay, and I have a CVC transmission and I looked online about it. It says that it holds eight and a half courts, but when they do the transmission fluid change, it only releases three and a half courts support. I'm wondering what the heck is the purpose of that. Supposedly you're not supposed to change these things.

Well, no, I disagree entirely that you're not supposed to change these things. I mean they talk about sealed transmissions and lifetime fluids and lifetime units. I mean, yeah, it's the lifetime of it until it breaks down. The most cost effective means you can keep to keep that vehicle on the road is to do that preventative maintenance. And kudos to your dealership for recommending it at such an early age. On this vehicle. I'm just sure that they're going off of the mileage as well. But the most

How many miles do you have.

On it here, Jim, I have forty thousand?

Yeah, you do.

I recommend about every three years of thirty six thousand miles. And what you're doing is you're replenishing the attitudes that breakdown and that fluid over time.

And use.

Oh I see, so if they only removed three and a half court and then the ad three and a half courts, it's actually helping you transmit.

Yeah, it's kind of boosting it.

Yep. Absolutely. Okay, good idea, Peter. Let's get that done. Okay, thanks for the call. Next, we're gonna hear from John. John's got an issue about a head gasket.

What is going on?

John?

You've got a seventy six U Is that a Ford Van E two fifty? Yeah, that would be it.

She's a club wagon. I had some head gasket issues. I was getting oil in my cooling, so you know, the thing sat for twenty years in a field. So I started breaking the engine down them all the way down to the heads. I was just wondering what you guys would recommend. I've already got everything cleaned and prepped for the head gaskets, But do you recommend adding anything to help seal the head gaskets on base got back together?

Are there just a little copper coat spray or something like that. We don't use any additives. Just helps it stick on there a little bit. But uh, you make sure the heads were flat? Did you put a straight edge to them?

Check them?

Oh?

Yeah, they're nice and straight flat. The engine only has fifty four thousand miles on it first.

Twenty six nice.

Yeah.

Other than just a little copper coat to help the state the gas gets stay in place in that slip.

When you're putting the head on. I don't use any ceiling.

No, perfect, that was super easy.

Thanks.

Yeah, noise.

What are you going to do with that van when you get it rebuilt?

Oh?

So, my wife and I want to turn it in a little like camper van. Take the dogs up to the mountains with So we're we got the three roads of seats, we're going to ripples out. Just turn into two, build a little bed some cabins back there and just use it for excursion.

It's big enough. That's a good little bit.

Sure.

Yeah, that's a big band.

You and the kids and the dogs and the neighbors.

And he's not painting free candy on the side or anything like that right into the neighborhood.

Yeah, taking out the window a fish.

Bowl right nice. Hey, thanks for the call, John, Good luck with that. So before before the callers and stuff, we're just kind of talking about these parts and stuff and we're going to go to a break real quick. But when we come back, I'm just curious, how in the world do you do you bid a job when you've got that. I mean, do you actually have to go out and secure the parts before you do a commitment to a price on a job or is it

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Help.

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All right, good afternoon, John Fuller here in the Troubleshooter Network. Hey, you know Doc has a tendency to try to sneak out on these shows sometimes, so before the show gets over, I just wanted to point out Denver beon alert. It is National Naked Gardening Day on the third of May, which I think is tomorrow. So Doc, I'm sure you're gonna be celebrated.

I will tell you I consider gardening to be manual labor, and I gave that up about thirty five years ago. So people, I can't understand why people like the garden. You're out in the hot sun much less naked. Right, So I will not be naked gardening or any kind of gardening.

All right, Well, if you know, he didn't say he wouldn't be naked.

He would naked, He just not gotta be gardener.

I will be out with my camera documenting it.

All right, Well, I would say report back, but I'm afraid of what you'd be taking pictures with the poker games and everything else happened before John, I'm quite sure of that.

That's the scary part.

Actually. The interesting thing was that they rated all the major cities around around the country for you know, to rank the most favorable cities for naked gardening. Number one was Miami, which kind of makes sense to a degree just from a weather standpoint. Denver didn't do so hot though. Denver was like three hundred and eightieth out of five hundred cities. And I think a good chunk of it might have been climate. But you know, May it's usually pretty nice in Denver, so I don't know how how

You can look that up.

So before the break, we were talking to Jeff and Kevin about, you know, the challenges of ricing and anticipating what things are going to cost, and just kind of some some challenges that you guys have in this day and age, and it makes total sense of it's been going on since COVID, But I don't think it's going to get any better anytime soon. So what are you doing to kind of get ahead of that and to stay competitive and be you know, be nimble.

Well, most of our estimates and parts searches everything else are digital, so we do get up to date pricing when we look up parts and availability, so we don't we don't get shocked too often. Only if we assume we know a price on something and quoted kind of off the cuff is the only time you'd run into trouble. But yeah, I know, it's all online, it's all digital. It's all you know, click click, click, and the estimate builds itself basically from what we find.

But you know, sometimes you got to search.

Sometimes they show a part in stock available, you go to order it and there was a mistake.

Or has been held for internal purposes only. Yep, you know, you get that a lot of the dealerships where they know that in low supply of say a lead frame for a Ford six or eight f one fifty, well yeah, we've got three of them.

But we need them here for our purposes. We won't sell.

Them, right.

You talked earlier about kind of wheeling and dealing with some of these dealerships to get them to actually sell you part. So does that happen a lot?

It's happening more and more because dealers don't want to work with each other. A Ford dealer in Texas didn't want to sell the part to Larry Miller Ford. So I got the number for the Ford dealer in Texas and called them up and had to pay fifty bucks more for the part. But it was two in the country.

So you started that conversation by saying that joke. Larry Miller. You know, I'm going to give him the time of day. I can appreciate why you'd hate him. So while I got you on the phone and help. But notice you got this little part back there in the old computer.

It's it's horse training, it is, I mean sometimes and sometimes it's a lot of work funding parts. Like I said, I never thought I'd purchased stuff on eBay, But you get some oe parts that guys are aling on eBay. They're still in the toad of box, They're still in the Chrysler box, they're.

Not the only premium for it. In most cases, those for them. Same thing with Amazon. The thing you got to be careful though, is we do run into a lot of counterfeit parts inside those situations. It was sometimes even boxed up and so what looks like a manufacturer's box and you get it out and it's very obvious that this is not a manufacturer's part.

Now are those where are those coming from? Are those Chinese?

Kind of once again, that's most likely where they're coming from. Yeah, And it's you know, it's not just for for you know, like I say, dealership or manufacturer type parts. You know, we deal with other companies because we actually build the transmissions in house. So we'll deal with companies like Transco or sawn x uh, you know, and we'll get parts to look like it's in a Saunax bag and it is not a Saunax.

Part, and that part is not reliable.

The hard part is too, you know, even when you know we've gone through a rash of problems with parts bad right out of the box coming from manufacturers, not just dealerships, not just you know, like Dodge or Ford or anything like that. But you know, the quality control has gone way down or of course probably the last three or four years.

But then that's that's going to be across the board like you and all the other dealerships and everybody else and everybody those parts are down with those failures. Yeah, everybody's suffering those failures.

The frustration is when you can't pretest the part right, not all parts can be pretested, and you got an eight hour job to put it together to find out it's now good.

Or you know, I mean I mentioned Dodge that we talked about this several weeks ago. You know, I had a particular Dodge pickup. We had to change the food body on it four times and we would go out, it would work fine. Customers back on the horn here about two or three months because it's failed again.

So how does that work?

Like financially, it's a guy buying it four times over? Want what warranties for you're able to actually go back and get that covered as a.

What we can get the part covered? The labor you guys have to eat that or or yes, really yes that is crazy, but that's why.

You have to have your business model set up to absorb those charges.

Yeah, comebacks are going to happen. Nobody likes them, that nobody wants to talk about them. But they're gonna happen. Whether it's your fault or the part's fault, or whatever the case may be, they're gonna.

Happen, especially with a good warranty.

We have a three year, thirty six thousand mile nationwide and the same customers like Teaser. It's like you old boomers, get rid of these cars. I'm tired of warranting stuff, you know.

But is that a warranty that you buy on behalf of your customer? It is on that particular compensated warranty. We get compensated through NAPA for that warranty. Okay, yeah, so it's not we don't pay the full boat, but we pay half of it. But I mean, you're not you're not you're not actually providing the warranty. You're not the guaranteur of no, no.

No, no, it's it's a nap out of care warranty. Yeah, that's exactly the opposite for us. I am the warranty. So it's all lands.

On my back.

Okay. That's scary, it can be.

I mean, it's scary with with what you're saying that you know, parts are showing up that work for two months and then go out, and that could put you in a buying It.

Can put you in a big bind. It depends on the part. It could be a very expensive repair.

But depending on your customer and your communication, it could be very, very uncomfortable. You know, second or third time, they start doubting what you're doing, and you do yourself. You know, you start asking, what's the chances of this thing going out four different times?

What are we missing? What are we not seeing?

It's hard not to not to point the finger at the guy turning the wrench when you're having that kind of an outcome.

Well, I can say problem.

I may show my patients signed a release that they wouldn't give the babies back to me.

They were non refundible.

But the difference between a mechanic and a doctor is you guys get to bury your comebacks.

Wow, no response on that one, doctor, It's naked gardening day? Did you know that? All right, So we're gonna go to a break here in just a second week. We've got a couple more segments here. There's just enough time for you to get on the phone and give us a call at three O three seven one three eight two fivety five. Rounding out the day, we've got Jeff

Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven 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.

All right, welcome back John Fuller here on the Troubleshooter Network, asking youself receive We have a number of callers lined up to work through here. Everybody, hang on, we will get to you. This is John Fuller on the Troubleshooter Network, and we are here to take your calls on anything and everything. But we have two experts in the house, Jeff Vick and Kevin Coulkin, who are our car experts. And so the first call we're going to go to is Chris with a question about engine parts and warranty.

Hi, John, how are you doing?

Good? Thanks? What's going on?

Sure?

So, I have a twenty fifteen Chevy Silverado fifteen hundred. I just put a brand new engine in it, and I wanted to look at doing a couple of aftermarket items to try to ensure I don't have the same problem again that I had. And I was curious to know if these parts would void the man factor's warranty on the new engine. It came with the GM factory three year, one hundred thousand mile warranty.

Okay, what parts are you thinking about?

So I was.

I was looking at doing a air oil separator catch scan and also doing a range module the AFM DFM disabler, and I didn't know if that would affect the warranty.

Okay, I didn't even know that.

Yeah, the rates might.

I would definitely check with GM specifically on that because that could be considered a modification and that could fall within that exclusion. Yes, that would be a costa possibly. I mean I would definitely get clarification on it for which one the second one the range modifier, but the other error, I mean short of a cold air. A lot of cold airs are will void your warranty. I don't think that one will though.

I think he was talking about a catchcan, which correct me if I'm wrong. That comes out of the the PCV valve and it separates the oil from the air before the air gets reinjected into the intake manifold, and then once in a while you you never residual oil. So is that, Chris? Is that Did I get that right? Is that the catch can that you were talking about?

Yeah, it's a product, it's the K and N catch can separates the water and the sludge that's in the oil from going back down into the engine.

Yeah.

And I think the idea correct me if I'm wrong, Chris, But I think the idea is that you keep that oil from re entering the intake side, and so you you you've reduced the amount of build up and gunk and carbon and all that stuff and the intake valves. Is that? Is that the idea behind the cash can?

Yeah, that's it.

Yeah, I mean I in theory, it doesn't sound like something that would be considered a modification. But I think on a new engine, where you've got that valuable warranty from the factory and stuff, you may want to run it up the flagpole with that.

I see, I'd ask him.

I would, yeah, because I don't see how that would but you just never know how they would read it.

Yeah, what did that new engine cost?

Here?

All said and done, it was fifteen thousand, two hundred dollars.

Sounds reasonable for a brand new engine Dutch. You think, well, Reman, Oh it's Reman not buying you out of the factory, don't.

They don't have new ones anymore.

I kind of saw it as I just bought a brand new truck for fifteen thousand dollars. Oh it's seventeen thousand dollars.

So true. Yeah, I mean that that totally makes sense. I don't see why you wouldn't do that. If you've got a nice you know, a nice chassis, a nice truck, and that that's all you need to do. Absolutely, that makes total sense. So anything else there, Chris.

No, that I should take care of it. I thank you for the information, all right, good.

Luck to you, partner. So I mean again, I think that's something we're going to start seeing more and more of, as you know, as the economy kind of changes around here. You know, even if this this whole tariff thing gets undone by the wave of a magic wand I think the effects of it are going to take a while to work through the system.

We have been experiencing that already since COVID.

Yeah, people are putting our average ticket price has gone up probably twenty percent over the last three years. It has because people are putting more money into the car to keep it. Like he said, seventy grand to buy a new truck. It's a lot of money.

Yeah, I mean during COVID, we were seeing vehicles so heck, some of them didn't know we're even still on the road, you know, And people were putting good money into these cars keeping them running because they couldn't go get a new car between the cost of what you know, people were paying a premial just to buy a new car. It was MSRP for thirty thousand dollars, but you're going to have to pay us thirty six thousand dollars if you actually want to buy.

The car, if you could actually even find it.

And then financing rates, the interest rates were so high that that pushed people out, and now we're getting tariffs. It's just going to continue to perpetuate where people are relegated to repair as apposed to replace.

Yeah, I think you're absolutely right. We have open lines again. The phone number here in the studio is three oh three seven one three eight two five five. If you were holding just a moment ago, give us a shout back. We'll get you right on the air. In the meantime, we're going to shift gears a little bit. We always try to keep you abreast of news scams that come online that we're aware of that you can help avoid making those mistakes as well. And Dmitri has one that

John, It's probably the most sophisticated scam that I've ever seen somebody try to pull on me, and it happened at the beginning of last week. Just a few minutes after the show ended, I got a text message from my bank where I have a checking account and a debit card that's associated with that checking account, and it warned me of some suspicious transactions on my debit card. Within a few minutes, I also had a voicemail and an email, And now the voicemail said, hey, we've deactivated

Yeah, I mean that is frightening. And that's no different than the you know, all these other scam chifts have an amazing amount of information on you. My question is, why do you use a debit card anymore? All the risks associated with that.

I mean, it's just why in the world would you do that.

I don't use it, but it came with my checking account, and I used my checking account all the time. And I mean I can count on one hand or one finger how many times I've used a debit card for some internet purchase. I do have credit cards that I use for for credit card purchases, but so I just have it because it came with a bank account.

Okay, we're going to go to the phones here real quick. We've got Patrick waiting. We'll try to get at least Patrick started here. What's going on? Patrick?

You've got a car about rebuilt or a question about car?

Yeah, I need a generator. I have an old thirty five forward and I need the six fold generator rebuilt to you guys know anybody that can do that.

It's I don't enough generator. I don't enough Generator Exchange is still around. They used to be at forty fourth and Clay. They did all those old.

Generators Raader Exchange.

I'm looking all right quick, I can't seem to find anybody that wants to do it.

They still show to be there. Yeah, no, I guarantee you he'll do it.

Okay, I appreciate it.

Thanks for the time, of course, you bet.

Thanks for the call. Patrick.

We're going to go to a break here real quick and we'll be right back on the other side. You still have time to give us a call at three O three seven one three eight two five five.

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

All right, good afternoon. We are close to wrapping things up here. This is John Fuller for the Troubleshooter Network and we are here with Jeff Vick and Kevin Cochin in the in the house finishing up card day. And so we have open lines if you still have an issue that we can help you with today. The phone numbers are three oh three seven one, three eight two five five. Over the break, we got a couple of text messages saying why OW was talking bad about debit

I'm just going to pay for it.

But I'm here to tell you that that is one of the riskiest things in the world that you can use, and right up there with some of the same scams that Dimitri was just talking about. You have to be you have to use those methods that provide you the most protection. And unfortunately, you know, there's no real cost to using a credit card and just paying it off every month.

Yeah, take care of it.

You just pay it off and it doesn't cost you anything. But it gives you the buyer protection and the only person that's initiating taking a dime out of your bank is you when you pay off that credit card every month. And so have you guys run into that before with debit cards and stuff I.

Mean, well, the other thing you mentioned in that email was the link. Don't ever click the link from the email to make a phone call my bank, because they guess the right bank. I mean, there's only so many banks. Mine happen to be Chase, and I got a thing with Chase, and it was like, I better look that number up before I click on it.

Yeah, I think you're right.

It's like they it's not that's not the number you're dialing when you click it.

It's not that they knew you banked at Chase.

Necessarily, they just sent out a million of those emails and ex percentage of them are going to happen to be Chase. And whoever you bank with the same thing, they just know it's a big bank. They don't do that with you know, Joanes State Bank with eight subscribers or exactly account holders. Are doing it with your big guys like Wells Fargo and Chase and all those.

First bank any one of those.

Yeah, and they're gonna hit a number of those and it's gonna be legit. I was just looking at you know that and the money transfer deals where they call up and say, you know, there's been there's been fraud on your account. We need you to transfer money over and buy it, you know, by this and that and and I mean we've heard them all here. If you've listened to this show for any length of time, you've heard caller after caller after caller call up and say I was told to go pull money out and go

And Giant, It's amazing how many people I talk to they'll say this is John Richardson from so and so and have a thick, heavy Indian accent, and you know it's not John ridgards Because.

Doc, I just have to confirm your identity. Can you give me your last four of your social and your birthday? And people do it. I mean, that's the crazy thing.

So you know it's not that we like to make fun of people here. We don't.

We would rather you never call and say I messed up and got scammed by one of these systems. And so you just have to have some rules in place.

But cut up your debit card. I mean, please, just cut it up. Cut it up.

That's what I do every time I get a new one. Slice it, stick it in the microwave for a second. First off, pop that chip inside, pop that chip inside there, fry it and then cut it up right.

Yeah, but I don't even know where n is. It's a safe somewhere.

I haven't used a debit card well, I'll tell you this. The last time I used it was when I learned that Lesson and I had gone through. And this was probably fifteen years ago, and I went through a Burger King, which is probably the last time I went through a burger King drive through as well. But I went through

At Taco House on Colfax, I went about the guy's lunch.

Burger King is Colfax. That's the thing. I never use a credit card of any type on Colvi. Just go to Kolfax.

Keep the deviit card in your house, don't take it out.

It is just crazy how fast it happens too. I mean, with me, it was literally a minute, two minutes, and there were transactions going off at Walmart down on the other end of town. And then we've had deals in Florida where it's like seventy five miles away two minutes later, and it's just crazy. They're set up to take advantage of you. They work lightning fast. Just beware, listen, guys, we really appreciate it. I've enjoyed the last three days here.