Cannot afford a car

3 Posts
Hello,
just wondering if anyone can help me please! I’m currently going through divorce proceedings, a child arrangements order and a financial order as I split up with my husband two years ago and he’s dragged me through court (which I’ve had to pay for) and now refusing to sort finances out and is living in our jointly owned house, so I’m having to take him to court for that. Anyway, I have such bad credit as he ran up credit cards etc in my name and my car has just completely broken down. I have tried getting finance but to no avail, I am borrowing my dads car as he is away but needs it from next week and no family members can help me in any way. From next week I won’t Be able to take my children to school! I am totally stuck. I work, but can barely afford to live, I worked out I can pay up to £150 per month on finance but obviously can’t even get it so I’m stuck. What am I meant to do please 😢 xx
just wondering if anyone can help me please! I’m currently going through divorce proceedings, a child arrangements order and a financial order as I split up with my husband two years ago and he’s dragged me through court (which I’ve had to pay for) and now refusing to sort finances out and is living in our jointly owned house, so I’m having to take him to court for that. Anyway, I have such bad credit as he ran up credit cards etc in my name and my car has just completely broken down. I have tried getting finance but to no avail, I am borrowing my dads car as he is away but needs it from next week and no family members can help me in any way. From next week I won’t Be able to take my children to school! I am totally stuck. I work, but can barely afford to live, I worked out I can pay up to £150 per month on finance but obviously can’t even get it so I’m stuck. What am I meant to do please 😢 xx
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Do you mean that he took out credit in your name and forged your signature? Or that you signed the applications knowingly? If the former, then you have to report it as fraud to clear your own credit file. If the latter, then it's your debt, not his, unless he forced you to sign.
Can you not scrape up enough to buy a banger for a few hundred until the financial situation improves?
What is wrong with your car-they don't just 'completely break down', the issue is whether it's economic to fix it.
If your husband financially abused you, you may be able to get the debts written off
go over to the Debtfree forum and speak to sourcrates
And take advice here https://debtcamel.co.uk/debt-options/less-common/write-off/
It's possible to get credit with previous credit problems, rates are not good.
Having a car on finance will not help you, all that does is provided more of a strain on your finances. Could your dad not help with a small amount of money eg under £1k so you can buy a runabout and tax it. Then you can pay him back at £50pm and save the £100pm towards MOT, maintenance, insurance etc.
Aside from that it is public transport, walking, buying cheap cycles.
If you live 4 miles from the school, have you looked into free bus passes for the kids. I'm not sure if it's the council or school who you need to speak with, it also depends on whether that is the closest school as if there is a closer one there may be issues.
There but for fortune go you and I.
How old are your kids? If they are secondary aged is there a specific reason they can't safely walk / scooter / cycle / get the bus?
Fashion on a ration... 0/66
Target weigh loss 2/14lbs
Money saved on food budget by being frugal in 2021... 100
Can your children cycle, or can your partner help out?