Posts Tagged ‘Vehicle Reposession’

Today it finally happened – Silver was repo’d – we’re back to square one – no vehicle – no transportation, no nothing.

We’ve been down this road before – once many years ago our Pontiac Vibe was Repo’d and we went five months without a vehicle – it was difficult and we had a very hard time finding work due to the lack of reliable transportation.  So now we’re trying to figure things out, slowly.  We’ve outlined a plan using my last two checks as a basis for the budget so we can ensure we have funds every month with some leftover for saving for a new vehicle.  We’re looking for something decent – and something we can pay cash for – last time we had a group helping us – this time we’re on our own.

I have also dictated to my husband that now we’re out of a vehicle we need to talk about replacing our washer/dryer so we can run laundry.  Ugh.

It’s become so overwhelming in the last couple of weeks – and its finally come to a head….

Wish us luck!

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So man alive 2016 has been a chaotic one at best.

First Silver is Repo’d – thanks to all of the generous donations we received we were able to retrieve her from Repo, $2500 lighter, but she’s back and we’re able to get around town – most importantly, get me back and forth to work.

All the while this is happening our water is shut-off, ugh I cannot even begin to express my frustration there – then AT&T shut us off – the pendulum is swinging hard one way for sure.

So then almost as soon as we’re clear there, I go and burn my hand – yup – 2nd degree burns on two of my fingers on my right hand – one trip to the local ER and then a trip to the Burn Center and UNC Chapel Hill and I am on the road to recovery.  Had to take two days off last week, but alas I am healing.  I worked a whopping 25 hours last week – and with the new insurance draft I was paid a whopping $61.12! WooHoo!!

Now though in the midst of all of this we managed to collect our tax documents and get our taxes filed, Thanks Dad!

Right now we’re getting about $5700.  Not too bad.

So our plans are such:

$1,000 to savings right off the top

$400 for a new TV

$300 for our daughter to attend camp – might be less if I can get her another Campership Scholarship.

$500 -? for a new washer/dryer – I am getting tired of going to the laundrymat.

$200 to repay my Dad – he helped us with an electric bill before Christmas and then paying him for the tax filing.

The rest will go to bills and carrying us through – we may take a day to go to Jacksonville and have one dinner out, we’re not 100% sure quite yet.

I am hopeful we’re able to stay relatively stable through the end of the summer…that might be too much to ask though.

 

 

Good Monday Morning One & All –

So thought I’d check-in with a current status update on the Silver situation – we paid them on Friday – $2,035.00, yes you read that right – they quoted me $1,134.00 to get her out of Repo then because it took us a week to raise the funds required to get her, another payment posted, $540.38, bringing the total due to $1,674.38 and THEN there was Repo Fees Added in the total of $361.00 they failed to mention when we spoke initially.  Ugh add to that A $30.00/day storage fees x 12 Days = $360.00…I could just puke.

THEN THEN when I call them on Friday afternoon to find out where we were once it was paid they said they couldn’t release her until TODAY…sure it was 3pm on Friday, but STILL! They couldn’t be bothered to express the paperwork so I wouldn’t have to pay an additional $60.00 in storage fees.

I am so burned…I’ve filed a complaint with the Better Business Bureau and will be filing a formal complaint to Regional today as I feel they’ve taken advantage of our already precarious financial situation.

Oh and to add to it, hubby calls me last week on the 21st and tells me that our water was shut-off…WHAT?!?! Thankfully we have access to our shut-off and can turn it back on, but STILL!

I swear one more thing gets added to my plate I might just need an asylum…this is CRAZY!

So yeah that’s where we’re at…hubby went to the foreclosure hearing last week and it went as expected – we got on with a nonprofit that’s going to help us try and save our home – so that bought us a 60-day stay.  Otherwise, we’re probably going to see a power shut-off soon because every penny I have has been going to Silver this week…

Just when I thought we were going to be somewhat ok – I spent time planning out things financially – and BAM lack of communicating with the lender has lead to Silver being Repo’d…went to leave for work this morning and discovered she was gone…they’d come and taken her overnight…those louses…

So we’re not 100% sure how much is needed to get her back, but it’s going to be somewhere in the neighborhood of $1200 – $1300 – I’ve decided to start a GoFundMe campaign to beg for help

Please click here to donate

We really need our van so we can get around.  So I can get to and from work everyday.  I need my job.  This cannot be happening right now!