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Arghhhhhh!!!!!

post #1 of 19
Thread Starter 
I know you guys are tired of hearing about my car problems but I really don't have anywhere else to vent. The bank won't give me a loan wihtout a cosigner for the $3,000 Prelude. I called my dad to ask him if he would cosign with me. his response "*SIGH* Brandi Brandi Brandi!" Does he think I am stupid?! I know a lot more about cars than he does! The guy we are going to buy the car from has just spend about $500 replacing the timing chain CV joints hoses, a lot of little things that could go wrong. He planned on his daughter driving this car for a few more years before buying her a new one.
I only plan on keeping it until we can save some money to make a decent downpayment on a Mazda6 or a Pontiac G6.

I wish he would either go ahead and say no so I can find someother way to get a car, or sign so I can get the prelude. We are running out of time. We don't have a lot of options right now and he is only making this more stressful for me!
post #2 of 19
Brandi..........
post #3 of 19
ooooh he thinks he's doing whats best for you
post #4 of 19
That's too bad. I hope he does sign for you. Some banks don't allow you to take a loan out until you're 22 or 23 without a cosigner.

I'm sending good vibes your way!
post #5 of 19
Thread Starter 
Thanks! I knwo he is trying to do whats right for me. But its time for him to let go of his baby and let me make my own decisions. I know what I need to do better than he does at this point.
post #6 of 19
Try to convince him that co-signing on a cheaper car will help teach you responsibility without having huge payments (appeal to his fiscally responsible side). And then hit him with the "but daddy, don't you want me to be driving a safe reliable car".
post #7 of 19
Thread Starter 
I have tried all the but Daddy I can!! I have turned to my mother now. Hopefully she can convince him that he needs to decide and if he isn't then I will find someone else who will.
post #8 of 19
When in doubt, nagging works - they just give up after about the thousandth time! And if both you and your mom nag......
post #9 of 19
Oh Brandi, what a pain in the bum for you!

I hope you and your Mum are able to twist your Dad's arm and you can get the car soon!
post #10 of 19
You will get your car.


Calm down and listen to some Moby or something.
post #11 of 19
I know the boat you're in- I've had to have my Dad co-sign for me on my last 3 cars-ok I tend to go through cars fast -but anyway I've been lucky in that my Dad always does it, mostly because I've proven myself that I always pay the car payments on time, if nothing else gets paid the car payment will! I have never never never been late on a car payment-wish it would help my credit for pete's sake My credit is awful and rather than have me make higher payments with the higher interest rate my Dad co-signs for me love ya Dad! Why won't your Dad co-sign for you? is he worried you won't make the payments or he just doesn't like the car you're buying? sorry I'm kinda behind on this story line....
post #12 of 19
Thread Starter 
Dad thinks the prelude is not a good choice becasue its and older car with 160000 miles on it. I tried to explain to him that it only needs to last a year or two while I save up more than 1,000 for a down payment on a better car. I wanted a 2004 Mazda 6 but he said I can't afford it. He does't know my finances. I told him I would pay the car note even if it meant me having to work 2 jobs. Now my mom called me a drama queen because I told them to forget about it. I would find someone else to cosign. My sister will do it. Lee can do it too but his credit isn't that great since he has all the bills in his name.
post #13 of 19
Quote:
Originally Posted by Phenomsmom
Dad thinks the prelude is not a good choice becasue its and older car with 160000 miles on it. I tried to explain to him that it only needs to last a year or two while I save up more than 1,000 for a down payment on a better car. I wanted a 2004 Mazda 6 but he said I can't afford it. He does't know my finances. I told him I would pay the car note even if it meant me having to work 2 jobs. Now my mom called me a drama queen because I told them to forget about it. I would find someone else to cosign. My sister will do it. Lee can do it too but his credit isn't that great since he has all the bills in his name.


tell him just this one word-------> HONDA <--------


That thing will run FOREVER with just a little TLC.
post #14 of 19
Quote:
Originally Posted by DRIVEN
tell him just this one word-------> HONDA <--------


That thing will run FOREVER with just a little TLC.
Oh boy, I think you've lost it hunny!
post #15 of 19
Buy a car you can afford on your own. It is called taking responsibility and growing up. YOu can probably buy a decent used honda civic fo 1,000.
sorry if I sound like a parent, but you are sounding a bit spoiled. Until you have your own place and job, you are not independent.
post #16 of 19
Thread Starter 
Quote:
Originally Posted by gailuvscats
Buy a car you can afford on your own. It is called taking responsibility and growing up. YOu can probably buy a decent used honda civic fo 1,000.
sorry if I sound like a parent, but you are sounding a bit spoiled. Until you have your own place and job, you are not independent.
I know I am sounding spoiled! But I do l live in my own home (we built it ourselves) and work a full time job. My car was recently wrecked and totaled out but we didn't have insurance that covered anything but liability. So I don't have a car and need a way to get to work. Its just hard to get help from a bank when you have NO credit at all. They won't give you a loan without a cosigner. Plus a $1000 car is going to have TON of miles and I drive atleast 70 miles to and from work each day. They are going to lend me the money and I am going to pay them back. He finally agreed.
post #17 of 19
I hope everything works out Brandi! I know how it is to have to get a car fast due to an accident
post #18 of 19
Quote:
Originally Posted by Phenomsmom
They are going to lend me the money and I am going to pay them back. He finally agreed.
That is fabulous news. See, nagging does work wonders!!!
post #19 of 19
Thread Starter 
Quote:
Originally Posted by adymarie
That is fabulous news. See, nagging does work wonders!!!
It wasn't the nagging it was the I will find someone else to sign! I am glad that he has agreed to.
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