1. I do not have a credit card . and will not get one just to sort this out (bad experience when i got one first time around - so never again)
2. There isnt a hope in hell im going to pay a body shop money to repair something this simple
3. When i got made redundant a year ago all the work i could get was behind a bar earning a max of £100 a week. (not easy to save when you have bills and such like)
4. As for the agreement being unnecessary, it was not my choice to write the agreement, it was his!
5. an overdraft that will not wait is one that is planned to be paid back by an agreed date.
maybe im being abit off by not getting it repaired right away... but he happily admitted last weekend (to my mate) there was no rush as we had till the 14th anyway + it had been wet weather and there had been no days he could have driven it anyway.
thanks for the links to westfield by the way

they will come in handy.
i wish i had the spare cash to just say "oh yea heres 400 quid dont worry about it, its not even a dent in my savings!" but unfortunately lack of work and doing whatever i was offered didnt allow.
now ive sorted myself out and got a good paying job again i will have savings again!!
if i forgot to reply to anything else ill do that later on when im more awake