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Thread: merry xmas

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    Default merry xmas

    well doesnt look like i need to fix the fuel pressure regulator after all...... just got a call from the repo guy i missed 3 payments (i pay monthly) and they are looking for me to repo the car only missed the payments because i lost my job and had to spend $2,500 putting a new engine in and then whatever else it cost in the last month to put in a new radiator, fuel, pump, battery, water pump the car was only $10,000 when i bought it i have payed $23,000 and have $2500 left owing. But i have 2 days to come up with $1600 or the car goes, if i hide it the car will be reported as stolen to the police........so glad i made a $400 payment yesterday

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    wow dude sorry to hear, hope it all works out for ya

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    Quote Originally Posted by Verynice View Post
    that sucks to hear, $23k ? how old was it when u bought it?
    bought it about 5 years ago it was a 99 model with 130,000k's on it yard price was $10,000 with intrest ive paid $23,000

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    Have you called them and explained?

    All I can think of is take the motor our and put it up on bricks, if they come to get it then they are probably going to leave it there seeing it like that. Bit of a hassle though.

    Or like you said just hide it in someone's garage or in there back yard, if they come for the car just say "my friend just borrowed it to go to the shop, he will be back in 10 mins if you want to wait outside" then close the door and let them wait. If they ask for names or phone numbers ect tell them you don't want them harassing your friend.

    Do that every time till you catch up on payments.
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    BIG problem here, is if you default on any payments, you could be listed as a bad payer, and you will have nill credit rating which will stick to you like shit to a blanket for ever and a day.

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    Ah the joys of having a car loan... Bad luck dude hopefully they can be reasoned with.
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    Quote Originally Posted by wraith View Post
    Ah the joys of having a car loan... Bad luck dude hopefully they can be reasoned with.
    yep they seem pretty good about it if they dont have the car in a week they will call the police and report it stolen, the police will turn up if the car is not here i could be charged with theft, if i hide the car and get pulled over i will be charged with possesion of a stolen vechicle............so they tell me

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    no offence , but if you knew the rules and having spent money on the car to fix it instead of keeping up to date or at least a little less than that far behind . its pretty much your own fault. losing a job is not really a good excuse considering if you were that desperate there is bulk load of jobs no one wants to do to keep your head above water

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    damn man that sucks sorry to hear that. hopefully they see your side of it
    Krisp its not as easy as it sounds to get a job especially around this time of year

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    Quote Originally Posted by Krisp View Post
    no offence , but if you knew the rules and having spent money on the car to fix it instead of keeping up to date or at least a little less than that far behind . its pretty much your own fault. losing a job is not really a good excuse considering if you were that desperate there is bulk load of jobs no one wants to do to keep your head above water
    Im sorry to say i agree, looks like u have 2 cars so instead of spending the $2500 on fixing it u should of paid it off then worried bout fixin it afterwards....

    At the end of the day a jobs a job as long as it pays the bills.... U just gotta be willing to go out n get 1
    I WISH MY GRASS WAS EMO SO IT WOULD CUT ITSELF

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    Quote Originally Posted by Krisp View Post
    heaps of jobs for cleaners
    in cowra? population 9,000 tell me where. i have door knocked and dropped off resumes to every place here

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    everyones doing extra work for christmas so its not as easy to get a job as it would be mid year

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    Quote Originally Posted by IMCRZY View Post
    Im sorry to say i agree, looks like u have 2 cars so instead of spending the $2500 on fixing it u should of paid it off then worried bout fixin it afterwards....

    At the end of the day a jobs a job as long as it pays the bills.... U just gotta be willing to go out n get 1
    sold the VS aboutn 10 or 12 months ago to move back down here when the old man had a kidney transplant, wish i still had it i'd let them take the VT right now no worries

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    well if you got two cars and you still have one working to drive around in then if they repo one itll just be until you pay off your debts and then youll get it back

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    Quote Originally Posted by -VY LoVeR- View Post
    everyones doing extra work for christmas so its not as easy to get a job as it would be mid year
    I just got a second job for the next few months to pay a few bills off, went on the net, applied, got an interview, got the job.... All that in the space of 4 days.... I dont wanna pack shelvs & i dont wanna work 10hrs as a mechanic, go home n have a shower, spend an hour or 2 with my family, then work another 3hrs packin shelvs but i gotta do what i gotta do u know
    I WISH MY GRASS WAS EMO SO IT WOULD CUT ITSELF

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    Quote Originally Posted by -VY LoVeR- View Post
    well if you got two cars and you still have one working to drive around in then if they repo one itll just be until you pay off your debts and then youll get it back
    na mate i dont have 2 cars, i live in a tiny country town and theres sweet FA jobs going, anyway guys sorry bout posting this rubbish on here was just venting mods can delete the thread if they want

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    bummer
    well hope things work out for ya anyway. would hate to see a commy go from anyone
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    What you have practically said is the following 3 months since you had lost your job, going off the missed monthly payments. You have spent 2500 grand during that time putting a new motor in. After a missed payment you would have at least gotten a letter to say your behind, followed by another after your missed the second payment. You have continued to ignore the notices to spend even more money on the car after 2 missed payments, radiator water pump etc etc in the last month. You live in a small town of 9000 odd people which wouldnt mean you wouldnt actually need a car in that time as you could get most places by walking, riding and catching the odd bus.
    Yet your saying its not your fault that you couldnt find any job in 3 months no matter how crap it is and you want sympathy?

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    Whoa, way to kick a man while hes down
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    Quote Originally Posted by mynameisearl View Post
    anyway guys sorry bout posting this rubbish on here was just venting mods can delete the thread if they want
    Hey man, im not having a go at ya or anythin but if u post somthin like this up people are gunnna put up there opinions n s**t, its a sucky position to be in & i hope it works out well for ya but u have gotta prioritize n shit....
    I WISH MY GRASS WAS EMO SO IT WOULD CUT ITSELF

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    anyway another way is to possibly transfering it into another persons name , get a quick loan from another institution pay it out and move some money around. or worst case senario is to flog the car off that way your not losing bulk money

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