(no subject)
All of last year I didn't work for more than a couple months at a time and Liz and I got very far behind in our bills. We are living with my parents and they had to pay rent and our room and board for 5 months. So now that I am working I want to pay down our bills and debt. I have really bad credit due to my ex and the past year off work. So...I applied for a $10,000.00 loan. It was supposed to be an open loan that I could pay off early with no penalty, 6.8% fixed APR over 4 years. Payments would have been $235 a month. I could pay off our biggest debt and still have money to save. 3 days later I get a call saying I was approved. However, due to my bad credit score they would need 6 months up front as a down payment which worked out to $1400.I thought it was odd but then I figured my credit is bad so maybe this is what they do. I wouldn't have to start payments until October. So I Western Unioned the money to the people. Then on the day I was supposed to get the cash they call and tell me they need another 6 months to secure the loan. I told them I didn't have that much and just to give me my money back. They told the refund would take until April 28, 2008 when the lender's billing cycle ends.
Now in order to send the first $1400, I had to use all of the money in my account, take out a payday loan and use half most of Liz's money from her paycheck. Thus leaving me with $9 in my checking account.
Then when we asked Liz's mom to help us out (I haven't paid rent yet) she found a bunch of stuff on the internet about these people. Apparently the whole thing is a scam. I am thus an idiot that fell for a scam and am out $1400 which I couldn't afford to lose. so that is why I am disappointed. I needed that money to cover the money I spent to get it.
I am at my whits end trying to figure out what to do. Last December my dad threw a fit and slammed me against the wall because he was sick of having to pay for me to live. That I was a selfish little bitch who was just taking advantage of him. The next day he told me that on Jan 1 we had to start paying rent without missing a payment or we were out. So needless to say I am freaking out thinking he is going to go ape shit again and kick me and Liz out and we'll have to live in our car or something.
So anyway, that's my story.
Now in order to send the first $1400, I had to use all of the money in my account, take out a payday loan and use half most of Liz's money from her paycheck. Thus leaving me with $9 in my checking account.
Then when we asked Liz's mom to help us out (I haven't paid rent yet) she found a bunch of stuff on the internet about these people. Apparently the whole thing is a scam. I am thus an idiot that fell for a scam and am out $1400 which I couldn't afford to lose. so that is why I am disappointed. I needed that money to cover the money I spent to get it.
I am at my whits end trying to figure out what to do. Last December my dad threw a fit and slammed me against the wall because he was sick of having to pay for me to live. That I was a selfish little bitch who was just taking advantage of him. The next day he told me that on Jan 1 we had to start paying rent without missing a payment or we were out. So needless to say I am freaking out thinking he is going to go ape shit again and kick me and Liz out and we'll have to live in our car or something.
So anyway, that's my story.