I have less than perfect credit, so my mother offered to use her good credit to get an affordable monthly, lease to own vehicle. We agreed I would send her the payment monthly because she was setting it up to be automatically withdrawn from her account. For just under 2 years I faithfully sent payments, prioritizing it over other bills, and for the first time was the proud leaser of a brand new car! My trusty Hyundai was hands down the nicest thing I have ever owned and a means of trusting in my own financial security by becoming my livelihood. So when I went out to DoorDash for a few hours before committing to Lyft/Uber the majority of the day, it was to my horrific surprise the vanishing act it pulled from my parking spot.
I frantically thought back to arriving home the night before with groceries, and went through my movements, and knew without a doubt, that I had parked in my usual spot. I start to panic, so I call the police to report it stolen because that was the only logical explanation I could come to at the time. I quickly found out my car was repossessed for nonpayment. I was embarrassed, mortified, and hurt.
I called my mother hoping this was some mistake or some weird case of another person having a similar vehicle to be repossessed, maybe something we could laugh about later… She assured me it was a mistake and denied repossession was even a possibility. I asked for proof of payment on her end in hopes to sort this disaster out as soon as possible. This question made her instantly hostile and confirmed my doubts of this ever being a laughable memory.
I can’t even wrap my head around her ability consistently lie to me for months, and then still try to make me feel responsible for the hit her credit would take from a repossession.
During COVID-19 quarantine my lease was adjusted to weekly payments in an attempt to ease the financial burden. This included a new clause stating that being a day late grants the landlord the right to serve eviction papers, and without my car-my means of working, I’m getting so close that my mental state is perpetually stressed out.
This nightmare has pushed me swallow my pride and seek help. I have been working at a temp agency as often as they have work. I have exhausted all attempts to receive federal aid available to a single-childless woman my age, and applied for grants, loans, and any help I’ve been able to find, to no avail. I’m hoping for a miracle, a guardian angel, or even a financially comfortable stranger to offer a flexible loan with weekly or even daily repayment options.
Any amount you are able to spare is graciously appreciated, avidly paid forward, and ensures you will have updates of my situation.
My PayPal Username is @trinitymansfield1
I also have cash app $ittyTrin