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I HAVE £310 IN MY ACCOUNT. I GET A TEXT: “IF YOU DON’T PAY — THE CAR WILL BE REPOSSESSED.” AND ALL OF THIS — BECAUSE OF THE CAR I WORK WITH 👇 Hi. My name is James Walker, I’m 28. I live in Manchester. My life started out normal, but quickly went somewhere off track. My relationship with my parents was always tense. Always the same thing: — “When are you finally going to get your act together?” At some point I just left. No drama. Just packed my things and moved out. I rented a room in a shared house. Neighbours changed every couple of months. Some were loud, some drank, some didn’t even say hello. But I didn’t really have a choice. I got a job as a delivery driver. Delivering parcels around the city. All day behind the wheel. Traffic. Navigation. Entrances. Stairs. Packages. The job was tough, but the pay was stable. My life followed a simple pattern: Work → takeaway food → YouTube → sleep. And repeat. After some time I got a car on finance. Without it, working would be almost impossible. Ford Fiesta. Not new, but decent. Payment — around £260 a month. At first everything was fine. I paid on time. Worked. Even saved a little. But then it started. The car began to break down. First small things. Then more serious. Repair → another repair → another. The money started to disappear. Then one month I didn’t manage to pay. Then the second. I thought: “I’ll catch up later, no big deal” But it didn’t work like that. Interest. Penalties. Fees. And one day I got a text: — “If you don’t pay within 48 hours — the case will be escalated” I checked my balance. £310. And the debt was already over £900. I literally sat down and just stared at my phone. No thoughts. Because without the car — no job. Without a job — no money at all. I started looking for side jobs. Scrolling Facebook. Checking listings. But I had no energy left. In the evening I went on YouTube. Then into a game. Tom was there — we used to work together. He’s also a driver.
