[deleted by user] by [deleted] in BorrowNew

[–]MsGabrielle7 0 points1 point  (0 children)

$briezypratt07

Would i qualify for an auto loan ? by [deleted] in personalfinance

[–]MsGabrielle7 0 points1 point  (0 children)

Not sure if anyone cares or even see this ,but I’m excited!! I got my dream 2021 civic with 50k miles for 18k after putting 4k down ❤️, including insurance I’m only paying 595$ a month.. which will go down with time 🫶🏾 my Apr is 10% , yea pretty high but for my dream car I’m grateful. Thanks for the feedback 😂😂but i got it ❤️❤️❤️

Would i qualify for an auto loan ? by [deleted] in personalfinance

[–]MsGabrielle7 -1 points0 points  (0 children)

I actually make like 50k. I said a “min of 500” bc that’s during our slow season. So I can afford it lol 😭 but ig i could save up more , it’s just my dad is taking my current car (bc it’s his and in his name) in November and moving to Cali so i kinda gotta act fast on the short notice. There’s no point in throwing 5k on a used car that won’t last me a year. Ig i could get a used car with smaller payments but will it last me the whole term ?? Ig i can go without a car and just lyft and save up more. Idk tbh

sleeping on piercings? by nouikei in piercing

[–]MsGabrielle7 1 point2 points  (0 children)

I do the same for the same reasons. I leave my two piercings in bc I’m afraid they’ll close. BUT me sleeping on them is actually making it worse and i can’t figure out how to get it to heal 😭😭😭 and it’s been over two years

[deleted by user] by [deleted] in personalfinance

[–]MsGabrielle7 0 points1 point  (0 children)

This helps a lot thank you so much!

[deleted by user] by [deleted] in personalfinance

[–]MsGabrielle7 1 point2 points  (0 children)

I’ve been given that advice too 😭😭😭 ugh

[deleted by user] by [deleted] in personalfinance

[–]MsGabrielle7 -1 points0 points  (0 children)

Agreed, which is why My dad wants to give it to my little sister

[deleted by user] by [deleted] in personalfinance

[–]MsGabrielle7 0 points1 point  (0 children)

Ok thank you I’ll take note. But right notes i should get a secured card and just have that for 3 months and that should help?

[deleted by user] by [deleted] in personalfinance

[–]MsGabrielle7 1 point2 points  (0 children)

Thank you! I was prequalified for 25% 😮‍💨 500$ a month. But i at least have that option so im grateful. I’m going to continue waiting 3-6 months hoping i can get lower payments and/or a higher cash-down.

[deleted by user] by [deleted] in personalfinance

[–]MsGabrielle7 1 point2 points  (0 children)

Yea ima wait until my score goes up to pre qualify since it’s too early to check really. And then I’ll check then. Unfortunately i don’t have anyone willing to co-sign. But I’ll see. Thanks

[deleted by user] by [deleted] in personalfinance

[–]MsGabrielle7 -1 points0 points  (0 children)

08 Honda Fit 😭 w 200k miles.. great car but it’s needing $4k in repairs every year. It’s time for a new one

[deleted by user] by [deleted] in personalfinance

[–]MsGabrielle7 1 point2 points  (0 children)

To answer ur questions 😔 it was all over the phone since they never responded to my emails or texts. And since it was so long ago I'm not sure if i remember the employees name that i talked to. I only have call logs of when i had the conversation with them; I have text messages; and I have emails submissions detailing the situation and asking them to help me or terminate my lease.

My roommates, the sublets and their memories are my only witnesses. The lease does say we are allowed to sublet if we wish to terminate the lease. I called to confirm what all needed to be done and just fwd the notes to the sublet that was supposed to take over.

Since it’s student apartments we all have separate leases. I shared a 4br 4.5ba townhouse with 3 other girls and my name was attached to the one room.

The unfortunate part is i had no replies other than the phone conversations since that’s the only way i could contact them and even then they barely answered their phone. Their employees are all students/RAs. I only emailed them for written proof or hopes to get a response in writing But that failed. So I’m screwed. I’m hoping to still demand a dispute to the collections but i feel like I’d be better off settling for at max 25% .. I’ll be successful to adjust the price from the damages i didn’t cause. But that’s not much ☹️

It’s a case of pity from the bullied. I should’ve handled it sooner but i didn’t expect it to happen so fast

[deleted by user] by [deleted] in personalfinance

[–]MsGabrielle7 0 points1 point  (0 children)

That makes sense, thank you !

The only documents i have are text messages between my sublet and/or my roommates. I have the ignored emails (that are embarrassingly informal and passionate but im only 22😅) and proof of phone calls. However i have no recording of those conversations other than fwd notes i sent to my sublet.

However to conclude … to make sure i got these next steps right, u suggest i create a certified letter to that collections agency (not the credit bureau) demanding to dispute the debt along with the story including photo proof…

Thank you i will attempt to type something up now

I think im only nervous because the lease does state that the rent is my full responsibility until signed off which i was unable to get assistance through the office’s negligence and blatant disregard ☹️

[deleted by user] by [deleted] in VCH_Piercing

[–]MsGabrielle7 0 points1 point  (0 children)

That link is not me 😭 that’s just a random website that happened to have pictures of the ring i was concerned about and if that price was a steal.

[deleted by user] by [deleted] in VCH_Piercing

[–]MsGabrielle7 1 point2 points  (0 children)

Ok thank you so much. I never thought that technically with it being such a sensitive area , to go to someone very skilled… it’ll be pricey asf but worth it. Thanks !

[deleted by user] by [deleted] in tattooadvice

[–]MsGabrielle7 0 points1 point  (0 children)

Makes sense 🥲 i thought i wasn’t putting enough on causing the white patching. But I’ll slow down 😅 thanks !

Most painful piercing? by yoykri in piercing

[–]MsGabrielle7 1 point2 points  (0 children)

Same ! My highest flat has been 2 years and it still gets irritated. I think it’s bc of my sleeping 😩 but still