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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

to be fecked off that nothing ever goes right?

18 replies

AuntieMaggie · 19/03/2011 01:15

Argh I'm so fecking sick of things going to shite!

Tonight someone drove into our parked car and wrote it off. I'm so fecked off! Yes it's insured and the person who did it owned up etc etc but we won't get the full amount that it will cost us to replace the damn thing never mind the inconvenience of having to sort it all out!

And to top it all off DP is pissed so I can't even have a proper conversation about it with him he's just ranting.

They say things come in threes - wonder what's next?!

OP posts:
QueenStromba · 19/03/2011 02:13

That sucks. The other person's insurance company has to give you the money to replace the car though. Have you got legal cover on your own insurance policy? It might be worth getting them involved if you think the other insurance company are taking the piss.

midnightservant · 19/03/2011 02:23

Are you a one or two car family?

Any prospect of a courtesy car?

The whole thing is compounded if you have no transport to go and see possible replacements.

Is he pissed because of the car?

Original poster
AuntieMaggie · 19/03/2011 07:47

No he was pissed anyway - went to the pub after work.

One car - we got rid of the other one earlier in the year.

There's nearly always a ahortfall between what you get paid from the insurance company and what it would actually cost you to replace the car like for like as they pay you the market value.

Just really cross because the stupid woman was driving too fecking fast!

OP posts:
CrispyTheCrisp · 19/03/2011 07:50

Sorry to hear about the car. Just a ray of hope though, mine was stolen last year and I did get the full value to replace. No negotiations were needed either and I was pleasantly surprised. The main problem was interim transport as a total loss usually means no courtesy car.

MaisyMooCow · 19/03/2011 12:51

Insurance companies are making it harder than ever to claim these days. My car was written off a few years ago and I received a tidy amount for it, more than the value if I'm being honest. However, some git went into my car last year (whilst parked outside my home) and it was like getting blood out of a stone to make my insurance company to cough up.

Let's not even get into insurance premiums ....

OP, you're going through a bad patch but don't worry, things WILL get better, keep positive! :)

CrapBag · 19/03/2011 13:30

YANBU.

I constantly feel like this. It is always one thing after another and there is never any let up in my life. I feel like every fucking thing is a constant fucking battle.

Someone hit my car outside my house just before Christmas. It wasn't written off but it took a month to get repaired (whilst I was heavily pregnant too). We did get a courtesy car though which was paid for by the drivers insurance as it was their fault. The only good thing is there is no dispute whatsoever as she went into your parked car so she can't argue about it and it will be straight forward.

My adivce would be to keep on at them to get it sorted. I needed a new bumper and wing but it still took a bloody month to sort out. If things aren't moving along, just keep phoning up and 'checking'.

MaisyMooCow · 19/03/2011 13:42

crapbag ' I constantly feel like this. It is always one thing after another and there is never any let up in my life. I feel like every fucking thing is a constant fucking battle.'

You've stolen my life !!!

It's shit isn't it, just when you think you've got everything sorted more shit lands on your doorstep...usually in the form of a f*king horrendous bill.

Bearcat · 19/03/2011 13:43

A colleague of mine was parked in a multistorey car park in the last year, and her car was parked opposite one of the ramps to move to another level.
Unfortunately someone had parked her car on the next level opposite the same ramp, but didn't put their handbrake on and the car rolled down the ramp into friends car, bashed the back of it in and the front was bashed in as it was pushed against the concrete wall of the carpark!
My poor colleague suffered months of hassle, didn't get what she thought she would get financially for her car, had to take a loan to get another car (and she's a single working mum).
Lesson here don't park opposite a ramp in a multistorey car park

CrapBag · 19/03/2011 13:48

Maisy yep really is shit. Washing machine has just packed up, with a new born that is sick often, great fucking fun!

I get so fed up I wish everything would go away but I would never actually do something serious.

I do have my 6 week check with the doctor this week so more anti depressants for me (4th time).

If you feel that down too have you done anything about it? My DH has noticed it and texted my best friend for advice, bless him. I know I have to get help though as it only gets worse if I leave it.

msshapelybottom · 19/03/2011 13:52

Oh life can just be a royal pain in the bum can't it? Such a drain of energy trying to constantly get on top of things...

Hope your car gets sorted quickly OP.

MaisyMooCow · 19/03/2011 13:56

Crapbag I've had so many sleepless nights over the years and they all lead back to money issues. Either struggling to pay credit cards, bills or stuff breaking like the telly/washer and not having the available cash to sort it out. All this stuff brings you down. It wasn't until the recent recession and the fatcat bankers bonuses that brought everything into perspective. Why am I killing myself trying to pay back bills with extortionate interest rates when it's going in their pocket. I made agreements to pay back only what I could afford, NOT the amounts they wanted me to pay. The most important things in life are your family- husbands, kids, grandparents etc. As long as you're all healthy then you have everything. Having money is good but it won't bring complete happiness. I'd rather be struggling financially than have a child with an illness or to hear someone close has cancer etc.

MaisyMooCow · 19/03/2011 14:00

crapbag Meant to add, with the cancer comment, I lost someone close to cancer and would rather be poor and struggle for the rest of my days than go through that again!

Oh, and I hope your baby feels better soon. :)

LurkingBeagle · 19/03/2011 14:02

Just a practical suggestion - next time, look into getting gap insurance? This will cover you in the event of fire/theft/accident if the market value of your car (ie what the insurance co will pay out) is below the cost of replacement. (I learnt this the hard way after writing off a 1 year old car..... Blush)

CrapBag · 19/03/2011 14:04

I know what you mean. I know that thing I worry about are not important in the great scheme of things but it doesn't stop me getting down about it.

Our worries aren't really financial. We don't have debts but our income is low and we have to account for every penny. I would love to think that one day this won't be the case but I know that will never happen as I can't work anyway and DH has a steady job (thankfully!) but the pay is low. I know we are better off than others (not money wise, but in general) but I see people who gets things for nothing and have no idea of the real world or having to strive for anything, then all they do is moan because they need a new front door from the council after they have just had a new kitchen and bathroom and have no intention of doing a days work in their lives. (Sorry, rant over and sorry OP for highjacking the thread, I'll take my cloud elsewhere now Wink).

midnightservant · 19/03/2011 16:59

Hmmm. When you are down, everyone else seems to have no/very few problems. But everyone has times when all the bad stuff hits together, and times when the good stuff lines up. (Even those people in the council houses who don't strive for more than just keeping it all together, which is hard work enough on benefits)

Original poster
AuntieMaggie · 20/03/2011 14:13

Thanks ladies :)

We've just replaced our washing machine so could do without having to replace the car too as it means even less money to do what needs doing to the house! Though on the plus side we use public transport for work so can manage in the meantime, just makes things a little more difficult.

I'm also grumpy because my back is playing me up.

I know we're lucky in the grand scheme of things but sometimes it just feels as though someone is out to get us - I just want a quiet life!

I know several friends that are struggling with things like bereavement and health scares atm and it sometimes feels like th bad things always happens to nice people IYKWIM.

Ironically the car was due MOT and tax next month and has only just had the insurance renwed!

OP posts:
midnightservant · 21/03/2011 17:45

Well you can get back some of the insurance?

Over 20 years ago, my neighbour said to me:

you just get everything ticking over, and then the washing machine goes...

midnightservant · 21/03/2011 17:48

oops insurance premium

Last year it was the dishwasher. My dad was here - we were cooking for 3 at lunch (that's when he has his main meal) and 5 in the evening. Could so have done without washing a million plates every day.

Although lucky to have a dishwasher to miss, I suppose!

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