Voice Note via s3

Original path: ./media/3b3c4725-d468-4d01-b7d0-174a707ce9ac.ogg

Transcript: Well, we have to, because I don't know what to do anymore. I was crying for one hour.

Voice Note via s3

Original path: ./media/c5831a7d-e774-4f8b-87b2-a50807de985c.ogg

Transcript: So the worst case, you know, I know he sold their car and mine, but in the worst case, if I see that I'm not getting that money, then he's going to take my car and I'm going to take this car for swapping. Well, not like swapping, but how to say, he's going to give me like $1,300 and I could buy this car. Like even today or tomorrow or at weekend, you know, it doesn't matter. But I'm scared. But he said, like, it's like lottery, you know, you never know. Depends how it's been looked after. And he said, I hope you learn about the fucking rim up thing. I said, well, yeah, I would never do that again and blah, blah, blah, because it's bullshit.

Image via s3

Original path: ./media/2d78b94b-0313-45df-9496-e98bec59b6a1.jpeg

OCR Text: 19:27 4G 14 Gemini Flash Why it matters: Lenders love a big deposit, especially if your credit isn't perfect. It shows them you are serious, it lowers the amount you need to borrow, and it will drop your monthly payments significantly (potentially saving you £40 to £60 every single month). Scenario B: You have to take the £1,300 backup offer If you are completely out of time because you need to get back to work, £1,300 is still better than nothing. The Benefit: It's still a decent down payment. Putting £1,300 down on a £7,000 car means you only need to finance £5,700. The Reality: It's frustrating to accept a lower price, but if it gets you a reliable car quickly so you don't lose work or clients, it keeps your business moving. A quick tip while your friends help you list it: Make sure they write "Sold as seen / parts or repair" in the description and on the receipt if the car has major issues. That protects you legally once the buyer drives it away. Keep your fingers crossed for the £2,500 buyers! Do you have a specific type of car in mind that you're looking to get next for your work? Gemini is AI and can make mistakes, including about people. Your privacy and Gemini Ask Gemini

Voice Note via s3

Original path: ./media/08fbeb8c-811c-43ed-98ca-1c0abb8d0bcb.ogg

Transcript: We think that's possible as self-employed, so we would look less, you know, into credit score. I don't know how this works in England.

Image via s3

Original path: ./media/26dd4d31-3c2b-4f12-89d4-bc9c8246b27d.jpeg

OCR Text: 19:23 Gemini Flash £1,000 to £1,500 a month after tax. You will need to show them 3 months of bank statements to prove your work income is consistent. 4. Your Next Steps to Get a Car Fast Step 1: Use a "Soft Search" Broker First Go to a specialist broker (like Car Finance 247, Zuto, or platforms like ClearScore). They will do a soft credit check to find lenders willing to take you. A soft check gives you an instant answer and will not hurt your credit score. Do not apply directly to multiple different dealerships, as too many "hard" checks will damage your score further. Step 2: Keep the Car Choice Practical Look for a highly reliable, fuel-efficient used car with lower mileage. A lower overall car price means a smaller loan, which makes it much easier for a subprime lender to say "yes." Step 3: Use the Cash From Your Urgent Sale If you are selling your current car urgently, try to save whatever money you get from it. Putting even a small cash deposit down (e.g., £500 or £1,000) drastically lowers your monthly payments and increases your chances of getting approved instantly. Are you planning to trade your current car in at a dealership, or are you trying to sell it privately first to get the cash for a deposit? Ask Gemini

Image via s3

Original path: ./media/2a6bef13-6bed-48db-8b53-696e7b156381.jpeg

OCR Text: 19:23 Gemini Flash a bad credit finance agreement: o If you buy a reliable, no-frills used car for around £7,000 to £8,000... o Over a 48-month (4-year) term... o Your monthly payments will likely be around £180 to £240 a month, depending on the exact interest rate and if you put any money down. 2. Best Finance Options for Bad Credit You will want to look at Hire Purchase (HP) or Conditional Sale (CS) rather than a standard bank loan. Moneybarn o Why HP/CS works: With these deals, the loan is secured against the car itself. If you don't pay, they take the car back. Because the lender has the car as collateral, they are much more likely to approve people with poor credit card histories or lower credit scores. MoneySuperMarket +1 o Once you make the final monthly payment, the car is 100% yours. Hawkstone Motor Fina... 3. How Being Self-Employed Affects It Lenders will care less about the credit score number and much more about affordability. Because you work for yourself, you will just need to prove you have a steady income to cover the monthly payments. o Most specialist lenders require you to earn at least + Ask Gemini

Image via immich

Immich asset: 5a197dc7-345e-4566-8037-659c4c29f2dd

Original path: ./media/cc5ca25e-84e1-465f-890f-d6f15e013f45.jpeg

Voice Note via s3

Original path: ./media/ac161b34-e256-46c5-a853-b740d873be03.ogg

Transcript: Yeah, I told him that he needs, this car needs MOT, so he will do on Monday, whatever needs, so, he said he could get, so, but we see, because black people, which is, I said, I said for him, but nobody gonna buy this car, you know, because it's after riped off and all, and he said, and asked him, and said, you know, believe me, we gonna take black people, which is gonna grab this car. But I don't know why, you know, it's such a weird.

Voice Note via s3

Original path: ./media/e7fba065-9f2a-495e-b1fc-a53812b16437.ogg

Transcript: No, to be honest, I never heard of him. He never mentioned him before. I don't know, because he's right off, so I think it might be a bit more tricky, but if Carlos is sure he can get 2,500, it's good. I just think they need to do it definitely before the MOT runs out, probably, or you can't really drive it or anything.

Voice Note via s3

Original path: ./media/249a5dee-04b8-4077-aaef-0f5aeaaf420f.ogg

Transcript: how lucky you can think about holidays, you know, I'm just kidding, I don't know, I'm just gonna think how to get another car. Aurumas, you know, from Peterborough, he said, if nobody gonna buy, I can take this car for 1,300, if not gonna buy, if nobody gonna buy from me, you know, and then, well, it's not much, because he's buying the cars, you know, all BMWs and sending to Spain for the parts, and we gonna get much more money, you know, for it, that's why it's annoying, so, I don't know, I can't buy another car for 1,300, can I, it's not possible.

Voice Note via s3

Original path: ./media/23f0dbb6-c8a1-429d-8c14-669528895c2c.ogg

Transcript: I still can't drive, but I doubt it as well, you know, because he is from Kashmir.

Voice Note via s3

Original path: ./media/e24c7daf-62bb-4fd8-82f4-56c28b19ac11.ogg

Transcript: 3 to be you're not gonna get a random car because your credit card is fucked

Voice Note via s3

Original path: ./media/68caaa93-84fa-4fce-9a40-4fa7e2fe1cd3.ogg

Transcript: You should have gone home already.