My name is Nicholas, I'm 31 years old and I'm a transgender guy (I'm finally waiting for my ID change), after a thousand jobs with precarious contracts and wages that are too low for my current life, I opened a VAT number about a year ago. In order to work and support my family (I have a wife and a 1 year old child), with rent to pay, expenses and bills, I need a car (I work in construction, To be able to work and support my family (I have a wife and child of 1 year old, with rent to pay, expenses and bills, I need a car (I work in construction, furniture transport, etc., so I need a car to work) because three years ago I bought a car with a lot of effort for "little money" (which was a lot for me given my budget) from a private individual, and then I discovered that the car was very damaged and the person had omitted everything, giving me a hurry or else he would have given it away immediately. The car since then has too many major works to do and now it's breaking down (it often won't start and I have to have it restarted by the insurance tow truck), I don't have the money to repair it, plus it's very old and every mechanic has told me that it's ruined by now. I can't get a used car cheaply from a dealer because banks won't give me loans, and neither will financial companies, since my wife and I are alone and have no one to act as guarantor, and only the VAT receipts are not enough for financial companies, which require guarantees. I am therefore asking for help, because I no longer know who to turn to in this situation. Thank you if anyone can help us, because as I said, we are alone and after a thousand sacrifices, a thousand underpaid jobs, we no longer know how to resolve the situation, as we have no money but only the money to survive by paying expenses and rent.