Active discussions

Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

Talk
AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Who is BU?

118 replies

Masonmumny12 · 21/12/2017 08:53

I won't tell you which person I am as I honestly want to know if IBU...
Person A has a car she has a disabled husband (he is mobile and does not need to be driven around 24/7) a 1yr old child and is 6 months pregnant.
Person B is a shift worker (mostly nights) her and her husband has had a tough time lately due to financial problems, and really needs the car for work.

Person A lends person B her car I October. Person B promises to return the car in December (no date specified, but before Christmas) all is fine.

December comes around and Person A asks for the car to be returned within 2 weeks, give or take a few days.
Person B said that she would like the car until January, but this is not a possibility for Person A.
A day before Person B is to return the car, she gets into an accident. Thankfully she is not hurt, however the car is damaged. Her insurers give her a courtesy car. All great.
Person A is angry because she now has no car for Christmas. She said to Person B that she expected a car on day 'X' and regardless she should have one (meaning she should be entitled to the courtesy car)
Person B believes that this accident was no one's fault and all has been put out.

Who is BU??
Tried to keep objective x

OP posts:
nutnerk · 21/12/2017 09:26

It's obvious you're B just looking at the language haha. Just give the car back you CF

Original poster
Masonmumny12 · 21/12/2017 09:27

Thanks everyone. I am Person A.
Person B is a very 'close' cousin, so I foolishly lent her the car a I didn't have any use for it for a few months and she was supposedly in desperate need.

Yes she took out her own insurance but I am the registered owner.... I have a sneeky suspicion that she hasn't told her insurer's that she doesn't legally own the car otherwise I would be entitled to the courtesy car (I think). I don't want to make enquiries because if that is the case, her insurance would be void and I will never see a dime nor a car.

OP posts:
teraculum29 · 21/12/2017 09:27

person B is unreasonable, if she wont repair and give the car asap I would be tempted to call the police and report theft.

MadForlt · 21/12/2017 09:30

So person b insured themselves on person a's car? I've never heard of that, usually the car owner adds the other driver on to their insurance, then any courtesy car would have been given to the owner rather than the borrower.

I think that's where the issue lies. I'm not sure person b's insurer would give a courtesy car to person a.

Original poster
Masonmumny12 · 21/12/2017 09:30

@bluntness apparently it was another at fault but I can't help but notice the irony. A few hours before she hands the keys back there is an accident Hmm

OP posts:
Original poster
Masonmumny12 · 21/12/2017 09:31

@bluntness apparently it was another at fault but I can't help but notice the irony. A few hours before she hands the keys back there is an accident Hmm

OP posts:
Original poster
Masonmumny12 · 21/12/2017 09:34

@madforit yes I believe that is where I went wrong. I didn't have it insured as I knew that I was no going to use it for a few months (it would remain in a garage at home/insurance ran out in Oct)

Sorry for the drip feed

OP posts:
diddl · 21/12/2017 09:35

I do think that B is unreasonable.

Well tbh I think that A was for lending a car!

If B has the courtesy car from her insurance, is she also using her insurance to fix the car?

Would A be insured to drive the courtesy car?

I think the only way around it would be to be claiming off your own insurance?

AnaWinter · 21/12/2017 09:35

No good deed goes unpunished. She needs to hire a car for you. If she had returned the car on time none of this would have happened. Also I am 99.9% sure you cannot insure a car that you do not own. You can be added to the owner’s policy in which case the courtesy car is yours.

SpartonDregs · 21/12/2017 09:35

Did you not SORN it?

diddl · 21/12/2017 09:36

Oh, x post there!

So you can't involve your insurance as you didn't have any at the time?

YouBetterWORK · 21/12/2017 09:39

The way she was going you might not see a dime or the car anyway at this rate. Get a hire car for Christmas. She pays for it. Or she gives you the courtesy car. Or you dob her in.

chickenowner · 21/12/2017 09:43

Well you've learnt a valuable lesson here OP!!

Original poster
Masonmumny12 · 21/12/2017 09:45

Yes I was an absolute plum for lending it in the first place @spartondregs no I did not SORN it as she literally insured it the day after the insurance ran out.... Honestly thought I was doing something nice for a family member. I couldn't justify her being out of work when I had a car sitting there for 2 months. I have certainly learned my lesson

OP posts:
diddl · 21/12/2017 09:45

I'm guessing that B will be keeping the courtesy car as their insurance paid for it.

Where is your car now, Op?

Can you at least make sure than when it's fixed you are told & you collect it?

Oldraver · 21/12/2017 09:46

Yes B is taking the piss, however if the insurance is hers then only she would be able to drive (or any named drivers) the courtesy car. I hope she is getting your car fixed pronto.

In the meantime I think she should be ferrying you around

Original poster
Masonmumny12 · 21/12/2017 09:47

@annawinter you can but you have to declare that you are not the legal owner... Which i guess she did not do

OP posts:
ItsYuleyme · 21/12/2017 09:47

Person B is out of order.
Obviously the hire car is to replace your damaged car, so therefore you should have it.
Never do anything for these people in future. They are massive users!

Trills · 21/12/2017 09:47

If someone lends you something and says "I need it back before Christmas", you do your best to get it back to them. They have done you a favour.

user789653241 · 21/12/2017 09:48

B. Definitely. Yes, agree, she should be ferrying you around as 1st priority.

Original poster
Masonmumny12 · 21/12/2017 09:50

Her DH is absolutely embarrassed by her and she is blaming me for their separation as I told him everything and this is apparently the 'icing on the cake' and he can 'tolerate no more'

OP posts:
chickenowner · 21/12/2017 09:52

OP - you did do something nice, don't feel bad, it's just that some people can't be trusted!

And you are DEFINITELY not to be blame for her marriage breakdown! What a nasty thing for her to have said.

DerelictWreck · 21/12/2017 09:52

You can't just insure yourself on someone else's car - person B has done something shifty I fear. How long till car is roadworthy again OP?

SukiTheDog · 21/12/2017 09:57

It’s not a Mobility car, is it?

LilRedWG · 21/12/2017 10:03

As soon as that car is back on the road demand it back. If she refuses again I would be inclined to contact the police to retrieve it. Save all and any written communications you have with her (texts included).