- Post starter
- #97
lostforgottensoul
VIP Member
I meant "have you explained your situation" to your doctors.
Oh, sorry. No. I mean my therapist is the only one that could help with anything and the first time I can see him (or any Dr), due to work, is the week of the 24th. The 24th is my pain dr (which cannot be moved or canceled) and my therapist is scheduled the 25th but I cannot see him on the 25th as, either car needs to go into my name on that day and doing so takes all day in the tax collector's office (tag/title place). It is take a number and wait 4 hrs and a line close to ones in Disney. Its worse then the DMV by far.
I thought to call and see if I can move it to the 24th, later in the day. I doubt he will have openings. He is booked for months or at least a month soild. So having an opening in a week is super doubtful. And I am worried about needing to do something that day and worried about money since my pain Dr alone will likely take the entire $750 Charter pays and if not, the Seriquel, which will need to be filled in about a week and a half, will take the rest. My therapist is $125 a session. When I had insurence holes he has seen me half price but that isnt the case now.
Speaking of which, I need to call them and give them my insurence info as my pain Dr had a super hard time finding the plan and finding out that they take that plan. Its very weirdly named on the card. Cigna Choice Fund OA Plus. So, though they take Cigna, they don't take all Cigna plans.
Anyway, my point is, it's a $1500 deductable, $750/$750 so I need to be prepared to start paying out a lot of money until I reach $750 due to how much money both the pain dr and seriquel are. Chater's half will be eaten up quickly. So, can I pay $125 on the 24th, if they can move the appointment? Can I risk spending that? That's the reality of it and as bad as I need to see my therapist, if they can't move the appointment then it can't happen anyway. It's 3pm but if I cannot finish at the tax collector in enough time, then I cannot make it. Do I risk having to pay a $60 no show or same day cancelation? He recently waived one of those for me because I had the time wrong so did show up but it was an hour late. I don't want to take a chance and then ask him to waive it a second time. Especially if I know I may not make it ahead of time. Can they move it later? Maybe but its another maybe/maybe not sort of thing. And asking him to waive another fee, when that price is shared amoung all the front staff when I know ahead of time is too much in my book.
We went down on the price again to $1800. Closer to where I wanted to start the price but they said, no, start it at $2100 and then only went down to $1990 and just as I thought, no one inquieries because it was priced way too high. There is still room for negoiations at $1800 and even $1700. The guy I bought it from priced it at $1600.
Very suspiciously she wanted the insurence policy #. I asked her to not take my car off right now as I need to make sure there is insurence on it in the event I need to drive it in an emergency and she said nothing would change until Aug. Then why do you need that info now?
By the way, Aug 2nd is my dad's birthday. Florida uses your birthday as to when your car needs to be renewed. Thus why we only have a week. They are trying to resolve all of this before his birthday...before the cars need to be renewed. They picked the 24th & 25th as that is the first business days I have off of work. Why I can't also have the 31st and 1st I dont know.
My brother is flying in the 26th, and as I thought she asked if he could spend the night here. I said ok, as long as he doesn't pet or interact with Chopper since he is training to he a service dog and she said "I thought service dogs are trained to be around a lot of people" and they do, but are trained to ignore those people and 100% focus on their handler. Petting causes the dog to then start to seek attention from others. The hands off policy is helping that a lot. If he pets Chopper it won't be the end of the world but it would be helpful if he just ignored him completely. She gets all up tight over the smallest shit! Basically, she now knows more then me about service dogs. :rolleyes:
Will have to pick him up from the airport and I am not too worried about him staying here otyer then my house being trashed. To them, I am nasty and lazy. If he seperates from his wife, he is way more reasonable, way more empathic, way more realistic, way more human. Them together and forget it.
I have called my mechanic. He didn't answer and voicemail is full so sent him a text. Not sure he gets text but will call back to back until I get him.
I also sent my dad's friend a text explaining the situation, giving him the Craigs List add asking him to tell everyone he knows and then asking him if I am short on the loan if I can borrow up to $800. I doubt he will loan me that much (or any money) but I also advised we can get payment in writing and I am ok with an auto draft to ensure payment. I also just told my sister in law that I am ok with an auto draft as well. If they loan me the money that is. She said "well, lets hope for $1800". Not sure if they are bad with math or what as $2000 to $1800 is $3800, the loan is $4100 plus another $200 for tags and title and then another $100 for insur. Best case seniaro I will be short $600. Worse case is my car sells for $1500 and I am $900 short. So, I guess we will see. I don't think buying out the loan will work. They wont give me time due to his birthday being 8/2. They dont want it renewing in his name. But, if his friend can loan me a few hundred, maybe my brother and his wife will take care of the rest? I dont know and not knowing is f*cking with me! She said he has a one way plane ticket and will take my dad's car back if mine doesn't sell and take a rental car back if it does. But, does that mean I will have more time? A week isn't more time. A few months is more time. Enough time to save more from my paychecks, work some OT and get paid for it, etc.
Maybe if they give me the other week I can have a different cat bought.
God, I just want this car sold and have enough for my dad's car or another car or put my car in my name. I just want this settled either way. I dont want to keep my car longer but still, I will. My brother said he would help me get a another car if I can't buy dad's but he is flying down on a day I work and will only be here a day so I have no idea how he plans to do that. The reality is he won't.
If my car sells and I am short on the loan and can't find the money, I'm f*cked. Maybe they will give me that last week to find another car?
I just want all of this to stop! :arghh;
ETA: I just asked her that if my car sells but sells for way less and I am too short on the loan, could I have the 31st & the 1st to find another car to buy.
I also advised I wanted to buy out the loan no matter what but only having 2 grand, very expensive medical things, my own bills, and only a week, it may not work. I asked couldn't I buy out the loan even if it renews in his name. That I know the goal is to bot allow it to renew in his name but if it did, couldn't I still buy out the loan.
To both of those text she responded with she was busy and we would talk later.
Ugh!
Last edited: