• Report: #762290

Complaint Review: i Realty Properties Realty

  • Submitted: Sun, August 07, 2011
  • Updated: Thu, October 20, 2011

  • Reported By: Barbara — Henderson Nevada United States of America
i Realty Properties Realty
2831 St. Rose Pkwy #233 Henderson, Nevada United States of America

i Realty Properties Realty Michelle Chauvin MICHELLE CHAUVIN LISTED HOUSE FOR 5% ON MY $600,000 APRAISED HOUSE, TOOK BUYERS TO WHERE SHE COULD GET 6% AND RUINED CLIENTS HOT MARKET Henderson, Nevada

*Author of original report: Michelle Chauvin not to be trusted in any real estate transactions

*Author of original report: Buyers and sellers-Run from Michelle Chauvin

*Consumer Comment: haha

*Author of original report: Telling The Truth Isn't Slander

*Consumer Comment: You do realize you're playing with slander, right?

*Consumer Comment: You can avoid the commision by selling the house yourself.

*Author of original report: Run From I Realty Properties Broker Michelle Chauvin

*Consumer Comment: Babs, you destroyed yourself

*Consumer Comment: I have sold several properties..

*Author of original report: Michelle Chauvin Skirts The Issue In Her Rebuttals

*Consumer Comment: Nobody In Her Office Cares About You

*Author of original report: Trying To Cover Your Self

*Consumer Comment: You Destroyed Yourself

*Author of original report: Michelle Chauvin Trying to Look Good

*Consumer Suggestion: You are wrong on just about every issue

*Author of original report: Real Estate Listings Are Negotiable

*Consumer Comment: You got it wrong

*Consumer Comment: What about your own greed?

*Author of original report: Michelle Chauvin Trying to Look Good

*REBUTTAL Individual responds: Michelle Chauvin is a good Realtor

*Author of original report: Michelle Chauvin Broker Not Honest

*Consumer Suggestion: You did it to yourself....

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Michelle Chauvin became a broker with i Realty Properties in Henderson, Nevada. After any prospective seller or buyer reads what I have to say, they should run from this realtor. I will try to explain what how Michelle Chauvin destroyed me financially. In 2005, my house was appraised at $600,000 free and clear. A good business person will always negotiate in real estate matters. Realtors always try to get a 6% commission. I negotiated a 5% commission with Michelle Chauvin. How I wish I had never set eyes on her. She turned out to be the Angel of financial death for me. She placed her real estate sign on my front lawn, staged my furniture and brought in a small model boat which she placed at the top of my staircase, and told me that she practiced Feng Shui, a Chinese practice.

She told me she always sold a house when she did this. Well, naive me, buys her story in a hot, hot real estate market. I truly believed she would sell my house. Why not? It sits on 10,000 sq. ft. and is over upgraded with a Pella leaded glass front door. Las Vegas had never seen a hot real estate market like this. And even houses that needed a llot of work, with no upgrades were selling for $600,000 plus. Every house was selling, people were paying more than the houses were worth, there were multiple offers, but Michelle Chauvin never brought one buyer to look at my house in almost a year that she had my listing. I kept giving her extentions. Because I believed that she would sell my house, I bought a new Lexus with my 850 fico score and took on $700 a month in car payments.

I planned on paying it off, when my house sold. Instead, I got stuck with $700 a month car payments, when Michelle Chauvin after almost a year of having my listing, came to me and said, "I really tried to sell your house. I give up." Then she was gone and the hot real estate market crashed. To make a long story short, after four years of paying $700 a month in Lexus car payments, I caved in. I got my car repossessed, went through all of my savings, panicked and got into a Reverse Mortgage on a property that was free and clear. My house was appraised at $317,000 and then the nightmare got worse. This Reverse Mortgage company gave me $201,984.07 in credit, stole $215,000 and perpetrated illegal predatory lending fee's. I am now living off what equity is left. I am now with a law group that found me through the list of reverse mortgage victims. The courts forced this mortgage company to release the list.

 I had to put up $4,000 of what is left of my equity to opt into this nationwide pending lawsuit against this mortgage company. I am positive I will get my house back free and clear and a monetary cash settlement. The worst part of my story is it took me forty years to have this property free and clear. It took six years to figure out why Michelle Chauvin didn't show my property once, blew the hot real estate market for me and caused me enough grief for ten life times. The answer is everytime a potential buyer called on my property, she would take them to another property for a 6% commission. Other realtors would always get 3% on a 5% commission. Michelle Chauvin would only get half of a 3% commission giving her a 1 1/2 % commission, instead of a 3% on a 6% commission. Yes, Michelle Chauvin sold me out, knowing my property was free and clear. Sellers and buyers, stay away from Michelle Chauvin. She will sell you out.


This report was posted on Ripoff Report on 08/07/2011 10:55 PM and is a permanent record located here: http://www.ripoffreport.com/r/i-Realty-Properties-Realty/Henderson-Nevada-89052/i-Realty-Properties-Realty-Michelle-Chauvin-MICHELLE-CHAUVIN-LISTED-HOUSE-FOR-5-ON-MY-60-762290. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Author of original report

Michelle Chauvin not to be trusted in any real estate transactions

AUTHOR: Barbara Lee - (United States of America)

Buyer and sellers: Run from Michelle Chauvin, realtor and broker with i Realty Properties. She isn't to be

trusted in any real estate transactions. She will take buyers to other properties for bigger commissions. I negotiated a 5% commission with her in 2006 on my house that was appraised at $600.000 free and clear and she took every buyer that called on my property in the hottest market Las Vegas ever had, to where she could get 6% commission and blew the hot real estate market for me.

Michelle Chauvin is the Angel of Financial Death.

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#2 Author of original report

Buyers and sellers-Run from Michelle Chauvin

AUTHOR: Barbara Lee - (United States of America)

Michelle Chauvin is not to be trusted in a real estate transaction. She is the Angel of Financial Death.
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#3 Consumer Comment

haha

AUTHOR: Termaime - (United States of America)

love your bible reference looks like "god" has really helped you out
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#4 Author of original report

Telling The Truth Isn't Slander

AUTHOR: Barbara Lee - (United States of America)

Buyers and Sellers Beware Of Michelle Chauvin. Don't negotiate a 5% commission with Michelle Chauvin or she will take prospective buyers to where she can get 6% commission. She ruined my chance to get $600,000 plus during the hot real estate market in late 2006-2008, by taking buyers to where she could get a 6% commission. I tried selling my house two years before the real estate crash with Michelle Chauvin. She knew my property was free and clear. How evil is that?
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#5 Consumer Comment

You do realize you're playing with slander, right?

AUTHOR: voiceofreason - (United States of America)

You could be taken to court by this broker for slander, based on the relentless posts you're making on her here. You are truly coming off as a real fool and horse's backside.
What little your home is worth now may well become her assets if you don't stop, and perhaps offer an apology here. You really should have consulted a lawyer before treading on this ground so long after the fact.
Some irrational posts and the back and forth that follow them are quite amusing, but yours is one of the truly sad cases of mental disturbance.
Now a separate report on the reverse mortgage lender might have a little more legitimacy, or at least more amusement, but I doubt it.
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#6 Consumer Comment

You can avoid the commision by selling the house yourself.

AUTHOR: Inspector - (USA)

Why pay a realtor at all?  Profiling aside aren't they all dishonest?  I mean who cares that they have bills to pay, kids to feed?  Of course it means you may have to postpone your car shopping and do a little work.
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#7 Author of original report

Run From I Realty Properties Broker Michelle Chauvin

AUTHOR: Barbara Lee - (United States of America)

Buyers and Sellers. Run from Michelle Chauvin. If a seller lists with her at i Realty Properties, you had better give her 6% commission. If you negotiate 5% like I did, she will take potential buyers who call on her For Sale Sign on sellers front lawn, to where she can get a 6% commission. This realtor is not to be trusted. Just look at her picture on her website. It is a dishonest face.
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#8 Consumer Comment

Babs, you destroyed yourself

AUTHOR: voiceofreason - (United States of America)

To save a few bucks (talk about greed) you tried to chisel the broker out of a lousy 1% commission. Why shouldn't she accept the contract? It was in her interests to lock you up for a few months. After 4 months of no activity, or at least no effective activity, you should have and could have canned her butt.

YOU CHOSE NOT TO, more than once yet! You ripped yourself off!After 6 months were nearly up and our broker had failed to come through, we made it clear he was gone the moment his contract expired. Well Whoop Dee Doo if he didn't quickly produce 2 last second offers, one of which stuck.You never held her feet to the fire. You made some really stupid decisions, especially a car that your other income and assets couldn't support. Talk about counting you-know-whats before they hatched!

Everyone else took advantage of you. We can expect that even had you sold out at the high point, you'd have probably squandered whatever you got. Go ahead, call me a realtor and add to the imaginary wages I get from all the companies I supposedly work for here.Go ahead and spend the money you're already counting on getting back in this lawsuit.
What a case!
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#9 Consumer Comment

I have sold several properties..

AUTHOR: Inspector - (USA)

years ago when I was flipping houses.  One very important lesson I learned was, don't mess with the realitors commision.  I would even offer them a bonus to sell my house first.

I don't understand your ramblings, you state the house was free and clear and then speak of a reverse mortgage and losing equity.  These are conflicting statements.  You say the same thing over and over but, you don't clarify.
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#10 Author of original report

Michelle Chauvin Skirts The Issue In Her Rebuttals

AUTHOR: Barbara Lee - (United States of America)

All real estate commissions are negotiable. If Michell Chauvin didn't like the 5% commission, she should have insisted on the 6% commission she tried to get from me. I would have agreed.

My house was appraised at $600,000 free and clear in 2006. It has beautiful upgrades and sits on a 10,000 sq. ft. lot. The same house as mine on an 8,000 sq. ft. lot located at 1139 Spago Ln Henderson, Nevada 89052 sold in 2006. Asking price started out at $670,000. That house sold for $610,000 with no upgrades, a pool with no bells and whistles. Michelle Chauvin claims appraisals mean nothing. Is she kidding? Read her last rebuttal. She is trying to make herself look good.

The first time I met Michelle Chauvin was 2006. She wanted a 6% commission to sell my house. I negotiated a 5% commission. She took it, signed her name to a binding real estate listing with Realty One in Henderson, Nevada. Then, she placed her For Sale sign on my front lawn. Everytime a prospective buyer or agent called, she took them to other properties where she could get a 6% commission. She never once showed my house, then came to my house after she blew the hot real estate market for me and said, "I give up. I really tried to sell your house." What a liar?

Practicing Feng Shui in a hot real estate market, is not at all professional. That is another thing that Michelle Chauvin did. She brought a small model boat into my home, staged my furniture and told me she always sold her listings when she practiced Feng Shui. How naive of me to believe this realtor? I went out and bought a Lexus with my 850 fico score and took on $700.00 a month car payments.  I wouldn't have done this, if the real estate market wasn't hot and every house where I live was being shown and sold. As things turned out, I got stuck with  $700.00 a month car payments for four years, went through all of my savings and ended up in a reverse mortgage with predatory lending fees. My equity has been striped from my house. This wouldn't have happened if Michelle Chauvin had shown my house for $600,000 plus. With $600,000 or more, less the real estate commission, I would have been on my merry way.

There was also another realtor before Michelle Chauvin. She accepted a 5% commission from me, placed her For Sale sign on my front lawn for a year beginning in 2005 during the hot real estate market. She never showed my house once. She did the same thing to me as Michelle Chauvin did. Took prospective buyers and agents to other properties where she could get a 6% commission. I couldn't figure out why until now, six years later.

If I had placed a For Sale sign by owner on my front lawn, I would have sold my house for $600,000 plus myself. There were multiple offers during the hot real estate market and buyers were paying more than the houses were worth. Las Vegas hadn't ever seen such a hot real estate market.

Buyers and sellers, run from Michelle Chauvin. She isn't honest.
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#11 Consumer Comment

Nobody In Her Office Cares About You

AUTHOR: Jim - (U.S.A.)

because no one in her office is posting here.  Get a grip on reality and deal with that.

What I do know is that I have a lot of friends running to Vegas and Henderson with $50K in cash and buying homes there.  I am considering the same, although I looked at the old Ritz-Carlton and the community near Lake Las Vegas and got pretty depressed after seeing how the potential of that community was completely drained by the recession.  I suppose 10 years from now, it may actually be worth something; the whole state of Nevada is priced at foreclosure rates and probably will for the next 1-2 years.  Whatever you do, unless you happen to work in the hotels or the service industry, no one lives in Vegas or Henderson because the prospect of jobs out there... sucks.  It's so funny because a lot of retailers made the decision some years ago to relocate to Vegas thinking that's where the next land and retail boom was.  As a consultant in CA, I never understood that whole line of thinking.  I suspect a whole lot of really smart people aren't as smart as they think they are.

The other very obvious thing to me as an outsider is that if no one was shown your home, it had nothing to do with a 6% commission vs. 5% commission.  I mean on the sale of your home, assuming it was worth $600K, is only $1,000, and a lot less if the home is worth less.  Nobody cares for $1,000.  Nobody.  In fact, in a hot market (your words), the realtor makes up for all of that in volume.  Which brings me to the next subject:

The greater likelihood, judging from your own ignorance, is that your home was not worth $600,000; the appraisal value is not the market value of a home when placed on the market.  If I had to judge from your story in that no one actually saw the home, it's likely you were overpriced by at least $150,000 and maybe more - meaning no one was even going to counteroffer 15%-20% lower than the asking price, because the counteroffer would have been still too high.  You go on and on about windows, location, etc....trust me, nobody cares.  If the asking price is of the home is too high, it's a non-starter, no matter the features.  Also, no amount of Feng Shui will sell a home unless you happen to be in a community in which there are a lot of people who believe that mumbo-jumbo.

Is she a poor realtor?  Probably, if she never advised you after the 1st 120 days to lower the price; I mean that's how you're going to get people to at least look at the home, let alone buy it.  If she never advised you of this, then yes, she's a poor realtor.  On the other hand, you would have likely fired her for suggesting such a thing.  If she did advise you the pricing was too high, then she did her job; she priced the home based on what her client wished.  The fact she could not get people to view your home is because of the pricing you forced.

The rest of what happened should be a book on how to really screw up your life, and the realtor had nothing to do with your idiocy in getting a reverse mortgage.  Your financial ruin is YOUR fault, and no court of law is going to fix that, even if you do prevail, because you're going to have to share in whatever proceeds are awarded, less attorney fees.  A case posted here on ROR in which a person with BofA stock lost almost $80,000 and sued to recover his investment.  He received less than $400.  I expect something similar here. 

Whatever promises the attorneys made to you, expect them not to happen.  If you opted in, and you paid money.... I really fear for what is going to happen to you.  Oh, and I also expect the people you're suing to declare bankruptcy if this goes to court, and a judgment is rendered against them.  I suspect at the end of the day, I would highly recommend you declare bankruptcy as well if that happens; at least you'll be able to keep your home and protect potential sources of income from your creditors.



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#12 Author of original report

Trying To Cover Your Self

AUTHOR: Barbara Lee - (United States of America)

These rebuttals are all from Michelle Chauvins i Realty Properties office.

Buyers and Sellers keep away from Michelle Chauvin at i Realty Properties. She will take potential buyers who call on the For Sale Sign on your front lawn to other properties. There is a word called NEGOTIATION. I never got a chance to negotiate a price on my property during the hot real estate market, because Michelle Chauvin took every one who called on her For Sale sign on my front lawn, to where she could get a 6% commission, even though she signed her name on my real estate listing for 5%. She knew my property was free and clear. She also practiced Feng Shui by bringing a small model boat and placing it at the top of my staircase pointed away from my front door and staged my furniture in a certain direction. She told me she always sells her houses doing this. I believed her. Michelle Chauvin is the angel of financial death.
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#13 Consumer Comment

You Destroyed Yourself

AUTHOR: Jim - (U.S.A.)

I've seen this sort of thing all the time; people who leverage themselves to the hilt thinking once that one 'sale' or 'transaction' goes through, I'll be rolling in it.  Well, it didn't happen.  You did this to yourself, and this has nothing to do with 5% commission or 6%.  Seriously, this has to do with tying yourself to an exclusive contract with a broker for a full year, in a hot market, as you describe it.  Someone already said it; 120 days is the max.  In 2005, houses that stayed on the market for more than 60 days, had problems.  What gets me is this:

1.  You kept giving her extensions.

2.  You bought a car you could not afford.

I mean the latter was all part of the 2005-2006 time period.  People who didn't know any better would leverage themselves to a point thinking, "hey everything's gonna be fine."  Well, it wasn't.  The other acts (a reverse mortgage?? - really??) only added to your downfall.  Now that you've invested the remaining $4000 in a lawsuit with no chance of winning substantial amounts for you, I guess that downfall is complete.  On the other hand, homes in Henderson are going for...what $50,000 now?

Maybe instead of blaming the realtor, you should look in a mirror.  It should not have taken you more than 120 days to figure out she wasn't going to sell your house.  You blame everyone, but yourself.  I know you think everyone is standing up for the realtor.  I don't think so.  She has her problems. You however, had a choice and made some pretty bad choice since then.
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#14 Author of original report

Michelle Chauvin Trying to Look Good

AUTHOR: Barbara Lee - (United States of America)

All of these rebuttals to my complaint against Michelle Chauvin are authored by her. She is trying very hard to look like she did nothing wrong to me. Michelle Chauvin knows that she accepted my 5% commission,when she originally wanted a 6% commission. She signed her name to a legally binding real estate listing agreement for 5%, then when agents and potential buyers called her from my For Sale sign on my front lawn, she took them all to other properties where she could get a 6% commission. What she caused to happen to me, is blow the hot real estate market for me in late 2006 through late 2007. I saw the lies in her eyes, when she came to my house and told me, "I give up. I really tried to sell your house." Lies, Lies and Lies in her eyes. She never showed my house once. She knew my property was free and clear and appraised at $600,000. How evil is she? Call her the Angel of Financial Death.That fits her perfectly. The hot real estate market was almost over when she and I parted. What she cause to happen to me is a financial nightmare. Because she blew the hot real estate market for me, I got stuck with $700.00 a month Lexus car payments. I never would have bought this car, if Michelle Chauvin hadn't told me she was going to sell my house in a hot, hot real estate market. Why wouldn't I believe her? Every house where I live was being shown and sold. Some sold for over $600,000 without any upgrades and were in bad condition. My house sits on 10,000 sq. ft. and is beautifully maintained and upgraded. Because of Michelle Chauvin I ended up in a Reverse Mortgage and my equity has been striped from my house. My Reverse Mortgage is illegal. Why? Because it was based on predatory lending and predatory lending is illegal. The Comptroller of Currency is after Met Life and other financial institutions for predatory lending thanks to me, with providing them with Met Life documents showing predatory lending fees. $8,000 to close an escrow and a $7000 to borrow $52,000 from my credit as an example. Watch the national newspapers in October, 2011 for news on Met Life and other financial institutions perpetrating predatory lending.
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#15 Consumer Suggestion

You are wrong on just about every issue

AUTHOR: Steve - (U.S.A.)

First, I am not in the Real Estate business, I am a teacher of Economics and Statistics

Second, YOU went out and bought a very expensive car expecting to pay for it with cash from the sale of a house where there wasn't even a buyer in the picture.

And it all went down hill from there....
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#16 Author of original report

Real Estate Listings Are Negotiable

AUTHOR: Barbara Lee - (United States of America)

You must be a greedy realtor to make such a stupid remark," that it is my greed of cheating the realtor out of 1%." Real estate contracts are negotiable. You know that as a licensed realtor. You are trying to cover your butt. Realtors are parasites. They never put a penny of their own money in the properties they have listed and want 6% or what they have agreed to in the listing agreement. They get way too much money for listing a property on MLS for just driving buyers around. The only thing they spend is MONEY ON GAS and spend hours looking for buyers to give them the BIG commission for not spending a penny of their money on the maintenance or upgrades on the property. Not to mention property taxes, and HOA dues.  During the hot real estate market from 2005-2008, the greedy realtors ran  all over Las Vegas, putting their signs on every front lawn they could get listings for. They never lifted a little finger, a buyer came by, and they got a big  commission on every house. I put thousands of upgrades in my house, and my appraisal was for $600,000 before the real estate crash. Every homeowner in that time period asked thousands more than the appraisal and then NEGOTIATED. I didn't get that chance, because MICHELLE CHAUVEN breached my listing contract for 5% and took buyers to where she could get 6%. She blew the hot real estate market for me, costing me $600,000 plus on a free and clear property.Does she care? Of course not. She was greedy for the 6% commission and breached the 5% commission on the signed contract signed by Michelle Chauvin.



I am letting the world know what MICHELLE CHAUVIN DID TO ME. I am ruined financially, in a Reverse Mortgage, waiting for my attorneys to settle up with the mortgage company, who is right now in court for state and federal violations on predatory lending and other criminal actions. The courts made the mortgage company release the list of all of the victims of the reverse mortgage loan and that is how my attorneys found me. I opted into the PENDING NATIONWIDE LAWSUIT that is about to happen. The first thing I did, when I was contacted by this law group,was check out the attorneys with the State Bar. They have an active license to practice law all over this country and no public record of discipline. That was all I had to know. And opting in cost me $4,000 which I had to take out of what credit I have left on my house. The mortgage company took and sold my loan to MERS and got $215,000 out of my appraised value of my home at $317,000 after the crash and gave me $102,984.07 on a property that was free and clear. That is called stealing. My first figure on my previous report was a typo error. This is enough grief for ten life times that the Angel of financial death, Michelle Chauvin gave me.





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#17 Consumer Comment

You got it wrong

AUTHOR: Steve - (U.S.A.)

I am not and never have been a realtor or in the Real Estate industry. I am a teacher.

She had a 4 month contract and didn't show the house once in a hot market? Then why did you extend the contract even ONCE, let alone twice? My response to her would have been "I am giving the listing to a broker who will sell the house" and then I would have done it.
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#18 Consumer Comment

What about your own greed?

AUTHOR: Inspector - (USA)

You tried to cheat the realtor out of 1 percent commision because of your own greed.  You went out and spent money that you didn't have yet.  This is all your fault, and as previously stated, you should have went to a different realtor if they couldn't sell your house in six months.
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#19 Author of original report

Michelle Chauvin Trying to Look Good

AUTHOR: Barbara Lee - (United States of America)

Michelle Chauvin isn't a good realtor. If she was a good realtor, she wouldn't have breached my contract with her for 5%, instead of 6% she wanted. If she didn't like the 5%, she shouldn't have accepted it. She knew my property was free and clear and appraised at $600,000. Not to mention her practice of Feng Shui in a hot real estate market. She had me believing her lies. That is why I bought a new Lexus with my 850 fico score. How evil is that?
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#20 REBUTTAL Individual responds

Michelle Chauvin is a good Realtor

AUTHOR: 89052 - (United States of America)

If anyone really wants to know the facts, then they should talk to me personally.  The person making these false statements about me has re-written history in order to lay blame on someone else besides themselves.  

I am sure that you all have encountered people in your lifetime who no matter how much you try to help them, they will twist things to suit their own needs.  This person really needs to get a grip on reality instead of trying to rationalize some bad decisions that they made. This person should stop trying to find a scapegoat.  

If I had the time, energy, and money, I would sue this person for slander and libel. But what is the point of it all?  Life is too short and there are too many good people to work with that don't have an ax to grind.  

If you want to believe the other person's rendition of the truth, that is your choice.  If you want to work with an honest, hard working, knowledgeable Realtor, then you will want to work with me.  I am going to take the high road and not say anything derogatory about this person who says these things about me.
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#21 Author of original report

Michelle Chauvin Broker Not Honest

AUTHOR: Barbara Lee - (United States of America)

In answer to your rebuttal.

You must be a realtor to write such a stupid rebuttal to my original complaint.

My contracts with both of these realtors were six months on the first with extentions and Michelle Chauvin gave me a 4 month contract and I kept extending the time until the hot real estate market crashed. If my house had been shown, it would have sold and I would have been able to have paid off my Lexus and been on my merry way. But it was the greed of these realtors that took buyers to where they could get a 6% commission. They both breached my contract that said they agreed to a 5% commission. If they didn't like the 5% commission, they shouldn't have accepted it. Then, I would have agreed to 6%. Greed is the name of the game



The Bible says, "What you sow, you will reap."

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#22 Consumer Suggestion

You did it to yourself....

AUTHOR: Steve - (U.S.A.)

The Broker acted in her own self interest. If someone was willing to give her 6% and you only 5% she directed the buyer to the 6% commission, BUT..... the damage and inconvenience you suffered you did to yourself

In a hot real estate market you do NOT give a broker a 1 year Exclusive Right to Sell listing. You give at most 120 days. No buyers in those 120 days to get a new broker. In a hot market, if you must give a broker any exclusivity, you give Exclusive Agency, which still gives you the right to sell on your own and owe the broker nothing.

The broker did not force you to go out and buy the Lexus, you did that on your own.
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