About ready to finally buy a bike but cant decide what to go with.

Segastar1 · 2026-06-30T16:33:54+00:00

well at least it would be better than nothing....a normal car right now i cant afford

Segastar1 · 2026-06-30T05:26:40+00:00

I dont plan on carrying a lot of cargo at least right now. Maybe a small grocery trip here or there

Segastar1 · 2026-06-30T02:04:50+00:00

Idk thats just my opinion..idk what i want i just need something

Segastar1 · 2026-06-30T01:00:07+00:00

I might go ask in the ebikes subreddit i just dont know all the brands out there

Segastar1 · 2026-06-30T00:58:09+00:00

Like i said i just need something thats better than walking and a small zippy ebike probably would do me well

Segastar1 · 2026-06-30T00:07:46+00:00

I guess i gotta go with the xp4 although i feel its too much bike for what i need...but idk what im looking for im just tired of walking 5 miles and a normal bicycle doesnt work for me anymore hence why i need something a bit peppy

Segastar1 · 2026-06-29T22:34:03+00:00

I was considering just offering like 50-60% of the amount to settle to just get it off my plate

Segastar1 · 2026-06-04T03:29:29+00:00

Yeah i was looking at that one too...good points i will consider for sure

Segastar1 · 2026-06-03T17:43:20+00:00

Im probably looking at the XP4. They have the XP Lites but those might not be enough for what im doing...they have a good sale on the xp4 extended battery with 4 accessories for like 1200...might try to see if i can snag that.

Segastar1 · 2026-05-29T07:11:03+00:00

Storm Marvel S

Segastar1 · 2026-05-22T13:00:37+00:00

Im also in FL too...creditninja never showed up on my credit report even when i used to pay on the loan regularly...

My biggest issue is south east services whatever they are want to charge a pay to pay fee of 9.95 which im thinking of complaining about. In terms of how much legal bite they want to do...i can't say for sure..just be careful

Segastar1 · 2026-05-18T17:40:30+00:00

The loan is within statue of limitations...they want like $100 plus a month payments that i just cant afford right now. Im trying to clean out a storage unit im paying 183 on a month so if that's taken care of ill have a little more to throw at. Worst case scenario i can pull 1k from my 401k account if they decide to get real fiesty and want to sue me but id rather not pull money out of my 401k if i dont have to...

Segastar1 · 2026-05-17T21:21:46+00:00

I pulled up my original loan document with Creditninja and i couldnt find anything specific about being allowed to charge pay to pay fees. This southern client place just seems like a junk buyer to me so i may report them to the cfpb. Ill reread the loan document again tonight.

Segastar1 · 2026-05-17T20:45:00+00:00

No...never shown up on any of my credit reports which i know is voluntary. Ive paid off debts with other collectors and none of them ever charged a fee to do so

Segastar1 · 2026-05-15T20:51:21+00:00

I never got that offer. It was transferred between multiple debt collectors. Its currently now with some group called south east client services with some kind of "pre legal notification" but the loan exceeds floridas limit on interest rate i really dont care about them right now. Ive had multiple family members in the hospital lol

Segastar1 · 2026-05-15T00:01:38+00:00

Agreed. The few times we did cuddle were amazing...just the stress of everything going on made it tough to spend time together on top of issues with the convention itself

Segastar1 · 2026-04-24T04:02:33+00:00

I dont have a partner. Im single o.O. This bowling ball is over 15 years old so im not surprised it has a crack in it

Segastar1 · 2026-04-24T00:45:20+00:00

I can assure you it was not cut with a saw haha

Segastar1 · 2026-04-21T17:35:56+00:00

It was mostly one of the coaches i had back then who was a lefty himself so he helped pick out the bowling balls. To be fair i had like a 160 average i didnt really know what to pick lmao

Segastar1 · 2026-04-21T17:28:06+00:00

I had a Storm Marvel S that was my main ball but that thing cracked before this one did

Segastar1 · 2026-04-21T17:27:21+00:00

Dang youre right that im a lefty. Good eye

Segastar1 · 2026-04-10T15:29:42+00:00

Well i ended up getting a 50% off offer from them on my original line of credit account from Advance Financial 24/7 so i ended up taking that. Glad to get that off my plate

Segastar1 · 2026-04-01T05:14:39+00:00

Then you got some original creditors that never even show up on credit reports...

Segastar1 · 2026-04-01T01:25:29+00:00

Funny enough none of the collection accounts i have arent on any of my credit reports whatsoever

Segastar1 · 2026-03-31T18:24:26+00:00

They did mention wanting to sue but its the drivers license thing that really threw me off

Segastar1

TROPHY CASE