Dealership I Purchased A Vehicle From Had Me Sign For My Father
Context
I used to have a Dodge Charger I was purchasing when I was working at a warehouse in Frankfort. Besides my wife, I had 3 other adults and their 4 babies living in my house. Nobody helped me at all, nobody offered to help me, nobody cleaned up after themselves or their children. I often went without bare necessities and wasn't able to buy myself anything with my hard earned money bc it all went to bills, even though nobody would help, I would constantly learn of things they were buying/splurging on, fast food bags piled up in their vehicle, multiple vapes a week, etc. but they were "family", so I couldn't just boot them. I eventually grew sick and tired of carrying everyone, for everyone to have free reign and do whatever they wanted at my expense, especially because I was already shelling out more than I was making. With 2 of the adults still supposedly "not receiving" their tax returns well into May/June, of which I was basically forcing them out of, (they'd been in my house rent\bill free for nearly 3 years, so yes, I told them they had to give me at least $800-1,000 of their $7k return, or they had to go) but they swore they still hadnt gotten it. Suddenly, a new Xbox pops up, being played on my living room TV, connected to my Internet, using my electricity. I thought, hmm, where'd that come from? A few days later, I learn that a new Ryzen PC build came in the mail, and it was being played for hours on end, overnight and beyond on my electricity, connected to my Internet. I pressed them about it, and it turned into a whole ordeal about it not being their fault I was behind on everything, when in reality, it was a direct result of them being there and not helping at all. I didn't even have access to the bottom half of my own house because it was a disaster from ppl not watching their kids run wild and rampant, toys, food, diapers, dishes, clothes, you name it.
That being said, my breaking point came after pointing out and losing my job at the warehouse after Id lost my Charger due to just not making enough to cover all the bills piling in. I didn't bother looking for another job, losing my car just made me not care anymore and I eventually kamikazied. I was done stressing out and killing myself to keep the boat afloat, so much so that I often resorted to drug abuse. Up to this point, it was Titanic survivors all trying to climb into one lifeboat, so I said fuck it. It was every man for themselves as far as I was concerned. I stopped paying for everything. Things began racking up, notices started to come, eventually electricity was cut. To my surprise, they stayed through this, until I came to a point of, "really? You'd rather live in a powerless, freezing cold ass dirty house than just help with your fair share?"
This ended up hurting me more than anyone. I was lied to the whole time and they had received their returns. As they up and left and moved into their own apartment, my wife and I separated, and I was then left to pickup everything. They'd left my house a total disaster upon departure, to this day still having bags on bags of stuff sitting in my living room they've yet to retrieve.
So there I am, no power, no gas, water soon to be cut, destroyed house, alone. Now I've been working a union job for the last 6 months, I've gotten my power back on after running off of a shitty Predator generator for about a month. I've basically just lived out of one room, with the jobsite being 5 minutes from my house. I rode my Ninja for the first few months, but as it became winter, I had to keep finding rides. We are currently finishing up on the site and moving to the next job which will be about 40 mins away, so by Monday, had I not found some sort of transportation, I would've been unemployed yet again. Perfect timing, bc I still haven't gotten things caught up yet, and my credit score is just now showing things that happened over a year ago.
I took a $90 Uber to a dealership who apparently felt my 565 credit score was just absolutely atrocious, as I ended up having to ask my dad to cosign for me, and put $500, of the $517.56 I had left, down on a 2020 Nissan Altima. It was the "only one they could get me approved for" so I didn't have a choice. I'm getting hit for 20% apr with $157 a week payments, and I don't even remember what the overall price was. I went with weekly bc it paid it off faster and cut down a good chunk of the interest.
Anyways, the place was out of town, so there was no way my dad was going to come 1hr and 50 mins to sign some forms. At that point I assumed I was screwed, much like the deal I got. However, the dealership had me sign for my dad, which allowed me to drive it home. I actually kinda like it, it's great on gas, and it has a turbo, but now that I'm out of the predatorial territory and have had a clear mind to think about it all. I feel like I shouldn't have legally been able to sign for my dad, and they also had me tell the insurance company that they didn't end up needing him as a cosigner of the loan, even though they definitely did. Was it okay for them to make me sign my dad's name on multiple, multiple, multiple forms and agreements and it's just not sitting well with me. I'm glad I can keep my job, but at what expense?
Sorry for the huge amount of context, but I wanted the reasoning for me losing my Charger and my current circumstances to be realized and understood
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