This reminds me of the expensive Dyson hair appliance borrowed by the bride with hundreds of excuses why they couldn't give it back.
Yes drive to her work place. If she refuses text her and tell her you are reporting the car as stolen and give her a deadline. Because effectively it is.
Could it be that she has missed car finance payments and they are trying to reclaim the car? So she's got it parked at yours? If she drives around with a car full of crap (which is the weakest ever excuse for imposing on you) she sounds careless...
OP i want to gently give you a good head wobble.
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I think you wouldn't have got into this position if this awful woman hasnt already been using you and behaving like a total CF for some time. She is absolutely walking all over you ..
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And what planet is your DH on to effectively tell you to ignore your good instincts, swallow your best intentions and let this woman carry on walking all over you. He should be just as cross as you are.
After this you need to read up on assertiveness training... and practice, practice practice saying No.. to people like this. "No. I refuse to lend my car to anyone." Hopefully this episode will give you the fuel to do this.
You sound like a kind generous person who is being massively taken advantage of. You ought to bin this person and not have any further dealings with her. How dare she put you under this level of stress with zero care and certainly no apology. You cannot trust her. She doesn't add anything positive to your life.
Get your car back, invest in a spare key and DUMP her for good.
(ring your garage and ask if they can make a spare key without the car. I'm not sure if they can, but if you have your car handbooks and radio codes etc.. they may be able to.. then you can as people have said, take yours and dump her crap filled car.
I hope you get it back in one piece soon... create a text trail in case she's picked up speeding fines on the way, so that you can contest them.
Just to add. Take photos of her car inside and out... in case she tries to claim that you've damaged it... to offset any damage she's caused to yours. Next time just say No my insurance doesn't allow that.