VN Ren'Py Being a DIK [v0.10.1] [DrPinkCake]

[sixart]

Jeez Louise ! Even Christmas is not spared from this back and forth... back and forth... back and forth...

 

[hakuna-matata]

People here just need to watch enough Judge Judy to figure out how loans work.

 

[godkingxerxes]

Yes. It's why I feel this whole thing will be solved by Burke saying that's not how loans work and since Burke is an asshole probably take a shot at his wife and tell Maya if she took real classes instead of useless classes she'd know this.

But I understand that. However, Patrick is most likely just a poor used car salesman. There is a possibility (not a fact) that Patrick embezzled his daughter's student loan by buying cars with it, which in turn will not bring in the proceeds to pay the debt in full in a foreclosure.

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Now read up two lines above what you coloured. Those words belong to Burke. Reading comprehension 101, read the entire paragraph.

 

[Lostanddamned]

It's the other way around in the game. Maya is the co-signer and Patrick is the borrower.

That's impossible, because Maya has to have a VERY VERY good credit score (something like >600) for the loan to be approved. If she doesn't have the credit score, there are ways if she liens a house, car or whatever (it has to be her property, legally owned by herself).

Either DPC doesn't really know how loans work or this is another ridiculous writing of his just for the sake of drama.

 

[hakuna-matata]

It's the other way around in the game. Maya is the co-signer and Patrick is the borrower.

That's the "illogical" part of this story. No bank manager with one functioning brain cell would let a teenager with zero credit and no job co-sign a loan.

This storyline needs to be brought be behind the barn.

 

[ffsage]

Guys I'm telling you. If you're playing the game right.... Nah I'm not doing it again

 

[thorin0815]

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That's the "illogical" part of this story. No bank manager with one functioning brain cell would let a teenager with zero credit and no job co-sign a loan.

DPC is really good at a lot of things, but creating believable facts on which the dramas are based is definitely not one of them.

 

[Blades1138]

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That's the "illogical" part of this story. No bank manager with one functioning brain cell would let a teenager with zero credit and no job co-sign a loan.

This storyline needs to be brought be behind the barn.

Hadn't thought about that in particular but you're right. Not only that, there was no reason to keep it a secret in the first place other than attempting to create non-existent drama. In fact it would have been more effective if it was revealed earlier, because that nonsensical secretiveness kinda ruined the stakes for me.

 

[godkingxerxes]

Bored of the Boar boys. Let's talk about Jill, by far the best main girl in the game.

 

[Lostanddamned]

Bored of the Boar boys. Let's talk about Jill, by far the best main girl in the game.

Did you say best main girl in the game?

 

[nyrek]

Let's talk about Jill

I agree. let's move to bashing* Jill

*not to be confused with smashing

 

[AchedCroissant]

So making a summary of all the crap they say here in a few words they want Maya to become a Quinn

In a person who cannot fall lower in her life than the only thing that awaits her future is death or jail

Well it makes sense because if you know that your favorite girl will die or in jail, you are just looking for a replacement and then another and another and another and so then you will be subtly turning every woman in the game into a Quinn until you get to a point where you just There are men left and you're going to have to either receive or give

DCP gay tag when? I want the MC fuck Chad

 

[godkingxerxes]

Did you say best main girl in the game?

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Bella's alright, if Jill allows it, the MC will give her the dick because she lonely, but only if Jill gives permission.

I agree. let's move to bashing* Jill

*not to be confused with smashing

There will be no bashing of Jill. She's perfect, without flaws, or in other words, flawless, like the diamond ring she'll be wearing in her future.

 

[godkingxerxes]

So making a summary of all the crap they say here in a few words they want Maya to become a Quinn

In a person who cannot fall lower in her life than the only thing that awaits her future is death or jail

Well it makes sense because if you know that your favorite girl will die or in jail, you are just looking for a replacement and then another and another and another and so then you will be subtly turning every woman in the game into a Quinn until you get to a point where you just There are men left and you're going to have to either receive or give

DCP gay tag when? I want the MC fuck Chad

Hey hey hey, it's Jill's time now.

Any post not about Jill will be marked for off topic ok, it's Christmas and Jill wants us to talk about her now.

Beautiful, perfect, flawless Jill.

 

[mindern]

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That's the "illogical" part of this story. No bank manager with one functioning brain cell would let a teenager with zero credit and no job co-sign a loan.

This storyline needs to be brought be behind the barn.

The storyline is contrived as fuck and, as you say, needs ending but you’ve made an assumption it’s a bank loan.

Lots of organisations provide student loans, some provide them to parents for their children. There’s entire systems setup for these specific type of loans.

If DPC wants to hand wave all this bizarre loan nonsense he could just have the loan be from like her fathers church or some other organisation that isn’t worried about credit scores or income.

again, stupid fucking story line and I’m 90% sure it’s just bad writing that will be ignored but it isn’t a full blown plot hole quite yet.

 

[Heyesey]

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That's the "illogical" part of this story. No bank manager with one functioning brain cell would let a teenager with zero credit and no job co-sign a loan.

For Maya to feel paralyzed because of that loan, it's only necessary that SHE believes she's the co-signer. She's already said that she has no money to pay a lawyer. Maybe this all resolves itself by someone going through the loan contract and proving (to her satisfaction) that Patrick is talking out of his ass.

It's also possible that DPC doesn't know enough about the student loan system to realise that what he's implied so far is actually impossible.

There's a third possibility, and I don't know enough about US law to know if this one is valid. Has Patrick got her to sign a two-part contract which says that when she draws the money, it goes into his account and he only has to give it to her if she meets his list of demands? (In the UK, such a contract would be less than worthless, because Patrick would get prosecuted for blackmail.)

 

[OFT]

 

[godkingxerxes]

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To not only do that to Jill, but take screenshots of it.

Heartless I say, HEARTLESS.

 

[PreachyLocust]

At this point I'm just debating which group of people is less relatable to me, Jill lovers or Maya haters. I can't decide. But the thread is entertaining though. All I need are Josy, Sage and Maya. Everyone else can die in a tragic fire near the end of the game.

 

[notme222]

There's a third possibility, and I don't know enough about US law to know if this one is valid. Has Patrick got her to sign a two-part contract which says that when she draws the money, it goes into his account and he only has to give it to her if she meets his list of demands? (In the UK, such a contract would be less than worthless, because Patrick would get prosecuted for blackmail.)

It would be voidable, but that falls under your prior explanation of "if she thinks it's true, that's sufficient."

The loan details never really made sense. But if the core idea is that she can't pay for school without Patrick's help, that's plausible enough for me to accept it overall.