By Flimsy-Turn-8995 • Score: 0 • April 6, 2025 9:01 PM
Tw: Some mentions of abuse Backstory and Details: So I'm a 20 yr old female in college and I have a part time hostess job.I live with my parents. This all started after i got in an accident. I was on the interstate heading back from a freinds place and I was run off the road by an 18 wheeler. I lost control of the car and crashed into a wire barrier. I was okay but the car was totaled. The car was under my mother's name but I was the one who drove it to work and school and anywhere else I needed to go. I was stuck without a car for about almost 2 months. Finally, my parents were able to find a car and they got it for me so I can go to work. However, I had no say in anything and I wasnt even allowed to go to the dealership to look at the car or test drive it. I simply asked them to research the place they were getting it and thoroughly look at the car under the hood and every cranny before purchasing it. They did not listen to me and they went to a dealership known for selling lemons and just overall unsafe cars. I was grateful to have a car again. It's an older Toyota which I love Toyotas because I know they'll last for a very long time. The only issue the car has that the dealer told my parents was that the tire pressure light sensor is broken so it's always on. Which I don't mind. I can get that fixed later. They bought the car and I had reliable transportation again.
Current Situation: Earlier this week I was driving to work and I noticed my temperature under the hood was fluctuating, kept shooting up to H and then stayed at H. I then saw my check engine light was on and my AC wasn't working quite right. I was almost at work so I called my father to tell him and he basically blew me off and said he didn't have time to come out there bc going to band practice was more important to him. So, I called my grandfather since he knows how to work on cars. I told him the situation and asked if he could come look at it to make sure it's safe to drive back home later at least. My dad calls me back and starts screaming and cursing at me on the phone and calling me all kinds of names. I start crying ofc....in my workplace parking lot. He hung up on me and said hes coming with the code reader. I called my grandfather back crying and I told him don't come and that dad was angry and I wasnt sure what I would be in store for when he gets here. I start venting ofc saying how I'm sick of the way my parents talk and treat me and told him I'd tell him what the code was for the car. My dad comes with a code reader. I didn't really talk to him I just told him what was the issue and he went to see what the code reader said. It was a radiator issue. He told me to grab water to at least have it in the car so my engine doesn't overheat and seize and said I need to make an appointment with an auto repair shop. Everyone at work was genuinely worried about me bc i came in with mascara running down my face and I was sweaty bc it was quite hot out. So I help my dad put water in to replace the coolent temporarily. And he said I should put the repair cost on a credit card because he said it could be expensive. I said okay and he left and I cleaned up and went to work. I booked an appointment with my local repair shop while it was slow and I just had to wait until it was time to bring it in. I brought it in and my grandfather helped me get back home. Within the same day I got an estimate for the repairs and what the issues were. There was a hairline fracture in the radiator and there was little to nothing oil in the car. Which I though was weird since the oil was changed recently before my parents bought the car. The estimate for repair was almost $2000. Since I don't have the title under my name, it's under my father's, my grandfather reached out to him and asked what he would like to do to help pay for repairs. He said hes not having any part in it and it's my problem. Later that evening, my parents also made it clear that they will not help pay for repairs even though I do not own the car or have my own insurance. I just pay my dad the note and I pay half of what I owe for insurance which is total $200 for both. They straight up told me to open up more credit cards to pay for the repairs. I told my grandfather later that night and he was pissed. He said do not take finanvial advice from them and the fact that I was expected to pay for everything really set him off. So, we came up with a solution and I would write a check for him for $450 and he'd pay the rest. I have my car back but because of what my parents are doing I cant stay in the house and I need to find somewhere to live away from them. Other issues: My parents have stolen cash from me by sneaking into my room while I was asleep or was away. As a result I had to buy a cash lock box to keep them from stealing it. They also intentionally given me terrible financial advice so I can suffer just like they did. They would max out multiple credit cards and filed for bankruptcy when i was little. They threatened to take me off of their Healthcare plan and everything for wanting to move out.
My questions or plan: I'm either thinking of getting my own car under my own name with my own insurance so I can be less worrisome as far as having a reliable car without major issues. I'm also looking at places i can afford monthly rent. Same with a phone bill and internet access and all that good stuff. I'm looking into a remote online job i can do but I've been having a lot of issues with that. As the jobs I applied to turned out to be pyramid schemes and scams. None of which I fell for. I just need some advice on what I can do to get out of this mess and just overall be a lot happier financially and mentally. I do have a decent credit score. It's on the high side of fair, almost good. Any advice would be greatly appreciated.
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