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You absolutely have a legitimate cause of action here. The fact that you are outside the warranty period is not going to be relevant because you brought these issues up during the warranty period and they have never been resolved. It's nice that they all try to avoid liability by pointing the finger at the other guys, but that simply is not going to work for them once you get this into a court room. The fault lies with one or more of them. And, it's not up to you to determine whose fault. Since none of them will step up to the plate, file suit for all your damages...naming them all as defendants. Then let the court allocate responsibility among them because the one thing that is certain is that you are not at fault. Once you name them, they'll bring in their insurance
companies which will put added pressure on them to get this resolved quickly because under the state insurance code, if an insurance company fails to reasonably settle, they're not only liable for actual damages, but also a multiple of your actual damages in punitive damages
. The suit will give you the leverage and collection options you seek because once the suit is filed and a judgment awarded, you become a judgment creditor
, and if the losing party doesn’t then pay the judgment, you can have the sheriff serve a summons on the losing party for a debtor examination. That forces the losing party to meet the judgment creditor in court and answer questions under oath about the losing party's assets. After that information is obtained, the judgment creditor has the power to garnish wages, attach bank accounts, have the sheriff seize other personal property, and/or place liens on any non-homestead property to satisfy the judgment. You might want to first send the letter you referenced addressed to all of them letting them know how you plan to proceed unless they can resolve this to your satisfaction among them within a short specified period of time.
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