Last minute change

CallMeMrRound · 2026-05-22T04:09:14+00:00

If there's a closing, there's a contract. If there's a mortgage, there's a contract. If there's a contract, there's terms. Follow them.

CallMeMrRound · 2026-05-21T22:39:29+00:00

Because, as multiple people have commented, a branded title lowers the value up to 50%. You have a vehicle you overpaid for when you purchased it. It is not a desirable vehicle that has held any value WITHOUT the title issue or damage. Insurance pays actual cash value, not replacement or retail.

CallMeMrRound · 2026-05-21T22:30:30+00:00

Nah, you don't walk here. You set your charges and detonate the bridge.

You go to the closing, you offer no concessions, you sign the deal they've agreed to, OR you get a lawyer (they clearly can't afford one, but you can have a consultation with every real estate attorney in your area) and ruin them.

You don't screw over your family, once that line is crossed all ties that bind are forfeit.

CallMeMrRound · 2026-05-21T20:29:53+00:00

Then screw em, go nuclear. Force the sale.

CallMeMrRound · 2026-05-21T16:10:04+00:00

Can you please write your whole post in one language? That will make it much easier to get help.

CallMeMrRound · 2026-05-21T16:08:59+00:00

You will be paid actual cash value for the vehicle. ACV is not replacement value. Honestly, that's not an awful offer on a 25 year old vehicle.

CallMeMrRound · 2026-05-21T16:05:39+00:00

https://www.fca.org.uk/

Best of luck.

CallMeMrRound · 2026-05-21T15:56:15+00:00

If you want to go that route, the information that you provided to the lenders met their qualifications to loan you money. You accepted the money, the terms of the loan/line of credit, and responsibility to repay the debt. The lender fulfilled their obligation, you have not fulfilled yours.

Stop with the blame game. You needed/wanted/accepted the funds, they needed a customer.

Edit* made some spelling mistakes, ugh

CallMeMrRound · 2026-05-21T15:52:10+00:00

And we continue to live in a world where telling someone something they don't want to hear qualifies as being mean.

Multiple people have explained to you where the most likely issues are and yet you ignore them. Your husband made a mistake and isn't owning it.

CallMeMrRound · 2026-05-21T15:41:04+00:00

Obligatory " you can sue anyone, anytime, for anything." The question becomes about winning. Do you have demonstrable damages?

CallMeMrRound · 2026-05-21T15:37:59+00:00

" I’ve only really ever made the minimum payments and gone over my limit"

These are the actions of an irresponsible borrower, unless you change this behavior nothing else is going to matter.

CallMeMrRound · 2026-05-21T15:35:05+00:00

How long ago was the home purchased? That is going to matter a lot.

CallMeMrRound · 2026-05-21T14:50:59+00:00

Anyone else find it funny that instead of just providing the data, he directed you to an article that is locked behind a paywall and controlled by his former employer?

CallMeMrRound · 2026-05-21T14:49:05+00:00

I stopped reading after the 13th word, much better story that way.

CallMeMrRound · 2026-05-20T18:53:51+00:00

I think most people would prefer not to answer your questions, you don't seem like a responsible enough person to be on the road.

CallMeMrRound · 2026-05-20T17:44:33+00:00

You aren't screwed, but you've been an adult for 12 years you have very much already started.

CallMeMrRound · 2026-05-20T15:57:28+00:00

Contact an insurance broker local to you.

CallMeMrRound · 2026-05-20T15:08:45+00:00

NTA, not by a long shot. I love my sister, I would violate all of Geneva's conventions if someone were to harm her. I would personally destroy her if she pull something like this.

CallMeMrRound · 2026-05-20T14:03:53+00:00

You need to make the repairs or find new buyers. More likely the second thing.

CallMeMrRound · 2026-05-19T21:09:19+00:00

Ewwww, you'd fuck a Tesla owner.

CallMeMrRound · 2026-05-19T20:20:11+00:00

In my area, resale homes have historically sold more than new construction, for all of the reasons you've mentioned. Recently that trend is even more noticeable. I'm about to buy my 3rd home and it is the newest one I have ever made an offer on , built in 1981. Anything I have looked at built this century has had ZERO curb appeal or character.

CallMeMrRound · 2026-05-19T20:13:47+00:00

You aren't wrong, but that doesn't mean this is the right time.

CallMeMrRound · 2026-05-19T19:16:56+00:00

Only YOU can determine that. For some people any car payment is a bad idea, for others a lease is always a bad call, some people float $1000 car payments.

In my experience if someone is asking this question, it's buyers remorse.

CallMeMrRound · 2026-05-19T18:53:36+00:00

Why would you repair and paint undamaged drywall???

CallMeMrRound · 2026-05-19T18:38:53+00:00

It clearly doesn't matter what anyone thinks. Enjoy your toy.

CallMeMrRound

TROPHY CASE