All Forum Posts by: Guy Gimenez

 It's not a personal attack...please don't take it as such. Having two insurers refuse to pay as stipulated in my policy may seem limited to you...it's very real to me. I have a good friend (attorney) who spent a good portion of his career suing insurers who refused to abide by their policies. Oddly enough, he never lacked for work. 

I "almost" always get title insurance but I only purchase in Texas where title insurance is costly. Anything purchased for less than $5K I may not get T/I. I just had my first ever title claim. Underwriter's counsel took two months to confirm they were responsible for the claim even though is was clear they missed a $14,500 RTO (rent to own HVAC) lien that was filed in the public records at 4:30pm the day prior to my closing. Insurer's counsel negotiated the payoff down to $4K and then sent me an absurd set of documents to sign and refused to provide me a Bill of Sale and release of the UCC Financing Statement lien. Insurer's counsel was not acting in good faith as required by statute. After going back and forth over a couple of weeks, I finally had to hire an attorney who spoke directly to the RTO company, sent them the $4K on my behalf and I received both the release of lien and bill of sale via mail a few days later. My attorney then contacted the insurer's counsel for reimbursement and he refused to return emails or calls. I guess he knew my attorney solved the problem he refused to solve so why not wash his hands of the matter. I advised my title company I was filing a complaint with the Texas Dept. of Insurance and I then did a video (I have a good following on social media) explaining to my followers that I would be doing a subsequent video about the insurer's refusal to be accountable. Apparently the right person saw my post and within 24 hours my attorney received an email from the insurer's counsel say he would send a check immediately. So, the moral of the story is title insurance is valuable, but like any insurer, you'll likely need to hire your own attorney to get them to pay out on a covered claim. Don't expect title insurers to do the right thing unless you force them to do so. //// On a side note, I also sued Farmer's Insurance over a car accident when they refused to pay out over my uninsured/underinsured coverage. Took 7 years but Farmer's finally paid out the full policy amount. Yes, it seems there's a pattern here with insurers.

 Looks like someone was threatened with litigation over their review. I think there's enough smoke in these responses to realize there's also fire. 

Exactly. I see it promoted by gurus that they'll pay 110%+ of FMV if they get the financing in place and no balloon. Those 3% loans that get called due in a 7% world may have them second guessing their decision. Lots of sellers will be screwed. Mitch Stephen out of San Antonio has had 4 called due in the last couple of months. But he was smart enough to only take over properties with equity so he was able to refi out of them before the underlying lienholders could foreclose.

 Well, that pretty much explains a lot about you. Millions of lives were lost due to the greed of hospitals and doctors like yourself who went along to get along. Ivermectin literally saved the lives of hundreds of thousands and would have saved more if physicians would have prescribed it instead of following the money. Clearly you equate money with science. Cheers good Sir, you're part of the reason so many have lost faith in the medical industry (and there's little doubt, it's an industry, not a profession). 

Well, I see you're a physician so let me talk about something that should be in our wheelhouse. Was the government truthful about the efficacy of the Covid 19 vaccine and it's dangers? Did the government try their best to remove inexpensive alternative treatments from the market and lie about it? 

 That is very typical of the "advice" I see given by the students in his group. It's like the blind leading the blind...for a hefty price of course. 

Believe any the government states at your own peril. Every aspect of the economy is manipulated and by redefining how any statistic is calculated, you can make the data show anything you want...and they most certainly do just that. 

I was booted from the FB page because I dared to explain why some of the things his students, and I use that term very loosely, were espousing were simply illegal. I literally have only encountered one other FB "Mastermind" group with a dumber group of people. And if you dare to challenge anything their Messiah states, you're immediately booted. When someone wants to work with me on a deal and tells me they're one of his acolytes, I tell them I'm not interested. A fool and his money are soon parted.