Got a whatsapp message off her today

"I've applied for a car loan. If they say no how would you feel about getting a bank loan for 5k that I would pay back. Would be cheaper than car finance????"

And like... I have good credit. The bank are itching to lend me money. I'm sure they'd do it.

I am not so sure mother would actually manage to pay that shit back, let alone make payments on time.

Which would then ruin my credit, and my chance of getting a mortgage, or another rental agreement, or buying a car....

Yeah, it'd be cheaper than car finance, but the whole reason you can't get it yourself, mum, is that you have CCJs against you for, oh yeah, not paying that shit back on time.

Which was down to cancer and redundancy and factors outside your control, but right now....

right now

She barely scrapes by to the end of the month.

They live paycheque to paycheque.

I am not convinced they can make loan repayments on top of this.

And I'd quite like to be able to buy a house in the future.

yeah, this sounds like a terrible idea

Really bad

She says they've been quoted £111 per month repayments, on £5k, over 5 years, and she wants me to see what I can get

And from my point of view, even if I can get the same amount for less, it's not going to be by so much less per month that she can guarantee they'll be able to cover it every single month for the next five years.

This is a woman that keeps coming to me cap in hand because they're out of money for food for the month.

Now.

With their current expenditure.

It feels like she's basically hounding me to fuck my credit for her because her is already fucked.

... why does she think she can pay back any loan no matter how good the terms, if they're regularly short on money for food??

either she's being incredibly unrealistic and has no idea what she's doing, or she's hoping that if you get the loan you'll pay most of it yourself to avoid fucking up your credit

I know what she's thinking. She's thinking "We sold the van, so we're not paying the insurance and petrol on that now, so we can afford loan repayments."

But she wants the loan to buy another vehicle

Which means... paying the insurance and tax and fuel on that

AS WELL as the loan repayments

Because my mum's shit with money

I also like how they sold the van apparently before having a solid plan for replacing it

a sign of great financial planning, that

They sold the van because the insurance renewal on it for the year was the full value of the van. Stepdad bought a roadbike for getting to work instead. They still have a fully functional car, they now just want a second one.

... wow, okay, what the fuck??

Exaaaaactly

they have a car, and a roadbike, and basically no extra money, and they want to take a loan for a second car??

do they even need two cars?

No, they just find it really inconvenient to have to plan who has the fucking car.

No, say no. Tell her to fuck off.

yeah, for sure

CONTINUED: I've just had to flip out at her via whatsapp.

She spent half of yesterday sending me fragments of conversations she'd had with others, for some godforsaken reason.

She has just now sent me an autotrader advert for a car.

And I lost it.

Yesterday was pushy and rude while I was at work, now I'm getting it on my day off too.

wow, yeah, what's she even doing

Why the fuck are they even looking at a three and a half grand car? You can get second hand much cheaper, and they only want it for convenience.

a very good question

this really doesn't make any sense

Ouch. It's because she's a dipshit.

sounds about right