Archive | February, 2013

My Car Got Repoed

1 Feb

I kept telling my brother they were going to take my car away.

He kept telling me, “They dont know where you live.”

“Even if they dont know where i live right now, they can find out, and besides its just not responsible.”

He gave me a small amount of $200 last week to make a car payment. my car payment is $300 and im behind 3 months.

“Can i have another $100 so i can at least make one full payment?” I asked him.

“NO!” he said bewildered, “I cant give you more-Im really tight right now!”

fine…I thought, I’ll just have to wait until next week so i can at least make one full car payment. 

come to find out, my brother went shopping the next day and bought himself a new $100 GUESS jacket at the mall.

“Yeah” because things are “really tight.”

I’ve been so upset and stressed out over my car being taken away, that I worry I might go into labor. I tell myself to take a deep breath and relax but my heart cant stop racing. So i mentally tell my baby, “You will not come yet, do you understand?” I hope she listens to me. I know that at 36 weeks they have a 90% chance of surviving without almost any medical intervention, but I just dont want to remember having my baby the day my car got taken away. It  wouldnt be a good memory, and im far from feeling relaxed and happy right now, which im sure would affect my chances of having a good labor expereince—especially since i want to do a hypno birth and thats all about letting go of anything negative in your life. I also would like to have everything straightened out with my car before she comes–it might be a nesting thing,  but it would ease my mind to know everythings ok before i have my baby, instead of having her, and having to deal with a repo company, the sherriffs department, the DMV, my car company, and an insurance company when im supposed to be home recovering and enjoying my newborn baby. I guess it would be a good time to do breathing and relaxation exercises but EVERY TIME i think about my car and everything I have to do to get it back, my heart starts racing again.

This morning I was getting ready to listen to my hypno birthing relaxation CDs and read the rest of my hypno birthing book in preparation for labor when my mom called me letting me know the repo guy had been at my parents house looking for me. I called my brother right away and told him. He said he would call me right back. So I waited. And I waited. After 20 minutes, I called him to see what he was thinking of doing.  I was stressed, nervous, and worried. He didnt answer his phone—which was weird because he always answers my calls.

A few minutes later the Repo guy shows up at my door. UH-OH. He tells me my car is already hooked up and once he hooks it up theres nothing that can be done. He has to take it. I called my brother immediately and this time he answered. I told him the repo guy was right outside and was going to take my car away.

“David I need my car!!” I cried into the phone, “You SAID you were going to help me! You said everything would be taken care of!”

His response: “Yeah, but i dont have any money right now.” There didn’t seem to be any concern in his tone.

“But you said you were going to help me back in September! You had so much time since then! and when I told you my car payment was due in november you told me youd give me the money in December, and when December came you told me you would pay everything in January, and now look what happened!!”

His response: “Yeah but I dont have any money right now.”

“Well you got to do something! You told me you would help me out!”

“Well I dont have any money,” He repeated in a flat tone.

“Well cant you call our dad or something?!” I was taken aback at the fact that he didnt seem to know what to do or say to fix the hole he got me into. First he tells me everything will be alright, then he throws me in a hole, and once im in the hole, he abandons me.

“No,” he said, “You have to call him. Its you’re car.”

“Yeah but you were supposed to have taken care of everything remember??” I didnt understand why he wanted me to go through the embarassment of calling my dad and asking him for money, all because he mispent the money he shouldve used to pay my car.

“Well you have to call him,” He said flatly.

“Ok. fine…” I said between my teeth and hung up.

In case you’re wondering, I am not the type of person to spit out nasty hurtful things when Im mad or upset at someone. thats not to say I cant, because If I wanted to I could say some of the worst things that would break a person into pieces but I dont think anyone deserves to be striped of their dignity. I also like to remain as focused as possible during a stressful situation so I can think and act with logic instead of with flared up emotions. besides, saying hurtful mean things to people just because you’re upset isn’t very classy in my book.

While the relationship between me and my dad has improved tremendously, I still hate asking him for help. I dont think that’ll ever change. I just dont think its responsible to run to daddy for money or help when it could be avoided.

Today my brother left me no choice.

I called my dad and told him what was going on. He quickly sent my brother over with a check, and asked me to put the repo guy on the phone. unfortunately the repo guy was still going to take my car. I cried. Not loudly–I mostly sniffle and wipe tears away and bite my lower lip when i cry. I could tell the repo guy felt bad to see a pregnant girl cry but alas, its his job and he has to feed his kids.

I was on the phone with my car company after my car got taken away and they gave me instructions on what I have to do in order to get my car back.  I cried while i was on the phone with the customer service girl. Which Im sorry about, because I could tell she felt a little awkward but i simply couldnt contain myself when she ran down a list of all the hoops i would have to jump through to get my car back. Primarily, it was having to show proof of full coverage insurance and a valid drivers licence that made the tears come pouring down.

My car insurance got cancelled recently due to non-payment and even if I still had it, it was not full coverage since I couldnt afford it.

And my drivers license? I dont have one because my wallet was stolen two months ago, and while I would love to get my drivers licence back, I know I would firstly have to pay for my expired car tags which are $300.

So Im looking at an extra $1,200 on top of the $1,300 I owe my car company for 3 months of non-payment, late fees, and repo fees.

granted none of it will come from my pocket, especially since Im not working right now because im on disability leave (I still havent received my first paycheck, although honestly Im thinking it’ll just be pennies since I didnt make much at my last job.) But just because the money isnt coming from my pockets doesnt mean Im going to put my feet up and whistle a happy tune. Im upset about my dad having to use his money to help me, and Im upset at the charges that will be spent unnecessarily. Its money thats basically being thrown away all because of carelessness/irresponsibility.

My parents have been planning on putting wood flooring in their house and that is not cheap. To think that this money could’ve gone toward that but instead its going towards my car because of my irresponsible brother really upsets me.

I feel frustrated that I am depending on my brother. I recognize that he is not mature or responsible, and he has a spending problem. He doesnt like to think about budgeting money. He simply likes to think that more money will fall from the sky and solve his problems. This doesnt make him a bad person. He has a good heart, and good intentions. Unfortunately no one has ever lived off of either of those two things.

I dont ever in my life want to depend on anyone again. I cant wait for the day where what i make is enough to sustain me and my baby without depending on anyone else.

I know It’ll happen, but for the moment this is my life:

I currently have to deal with the fact that my car is gone and I have to go through a lot of hassle to get it back.

being 36 weeks (9 months) pregnant and having to take this on right now is not my idea of fun.

If there is a person you can count on in your life, then you, my friend…are lucky.

You should go hug the heck out of them. squeeze ’em till they cant breath. Heck, at least give them a high five for me. 

People you can truly count on in this life, are hero’s in my book…

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