Worst Month Ever *RANT WARNING*

I've been in a similar situation before (minus the car, but I've never done finance like that as a rule).

I suggest you concentrate on getting a new job pronto and try to persuade your friend to let you stay at the house.
 
I'm sorry fox. I actually had the car booked in on November the 1st for new tyres all round. I didnt have enough money to do it untill payday.
 
I'd get the tyre tread checked independently. If you get lucky on that, check the insurance contract and see if you can take them to court. I doubt theres a clause which says that if you make a small insignificant clerical error, your insurance is invalid.

If you fail there, you should be entitled to your insurance premium back since you were never insured?
 
its one of those situations where, you feel bad, it obviously is a crappy month but, can't keep mouth(keyboard) shut. You took out a loan for what sounds like the majority, if not all of the car and weren't responsible enough to drive safely. I might be wrong but it sounds like, renting a place with someone else, sounds like you're young, wtf are you doing spunking 22k on a car when you "could" just get around in a 1-2k thing, without getting into debt, without paying interest(you'd imagine the 18k will be 25k at least before its paid off).

But you can take some positives, your friend who you lived with, its freaking nuts, its not a terrible thing you have to move out so put that in the good things this month. You can't feel guilty, you tried to be nice to the guy and he craps on it, his choice not yours. So you can leave, know you did what you could and be happy not to be living with a psycho.

The girl, well, she'll have to come back at some point to pack up, offer to help, might get a shag out of it, she can still be a friend and she might not live there for long. Even with family its hard to immigrate and work in the US so theres every chance it would be short term.


Overall learn lessons, a house is really the only thing to go into big debt over, ever, anything else is really not a good idea until you're financially secure.

Also its worth looking into the insurance, possibly ask a lawyer, the dates thing really shouldn't matter, yes its a technicality, maybe an important one but an honest mistake and probably something that some group, WHICH or something would maybe like to fight over. Its worth looking into, and having someone else verify they tyre's were really not legal, maybe they were and the insurance were being overly quick to judge as a way to get out of paying. Insurance companies will always look to screw you out of paying up, just because they say no at first doesn't mean a fight can't change that to a yes. for 22k, its more than worth talking to some people to see if anything can be done.

The Job, unless you loved it, see it as an excuse to go get the job you really want.
 
Id get a good lawyer onto your car, that should be challengable.

As for the rest of it, it sounds bad, but when you hit rock bottom, you can only go up, you didnt have a car/house/girl/job/ when you came into the world, so these can all be gotten again.
 
Metalface Mark said:
Id get a good lawyer onto your car, that should be challengable
Click to expand...

It's a term of any contract of insurance that the car must be roadworthy - a car with two illegal tyres is not roadworthy therefore they are within their rights to restrict cover to that required by the Road Traffic Act, ie, third party cover only.

If it was just the carbon wing you'd probably have been able to come to an arrangement whereby you paid the additional premium but the tyres make it a rather different issue especially if there is a feeling that the cars unroadworthy state contributed to the accident.
 
Ouch ! now that fella, is one bad month of, for the most part, bad luck..

Car tyres, Hmmm, well I have no sympathy there, it's all the small things like that, that prevent the big thing that did, from happening..

Chin up, sleep well and don't worry.

Stress is state of mind, not a set of circumstances !

Find room
Get job
Get bird
Pay off old car
Buy new car.
Retire
Die

Easy :D
 
Hmmm... for me

1) No car
2) Crap flat
3) Crap job
4) No girlfriend for about 4 years
5) Feeling like crap got a bad cold
 
Finally some actual sense and sensible feedback. Cheers drunkenmaster.

Yeah I am young, 21, so still got a fair bit of life left to get this back on track.

The job has been good, I enjoy it, its in IT and I'm a computer geek by nature, but yes the skills are transferable and I can definately get another one. Its just always been nice earning loads more than all my mates and I managed to get it without a degree.

18k is the amount I owe on the car now including interest, theres none on top of that figure, I did all the math. Guess I could pay it off in 18months if I push at it.

Yeah the girl I will get over, plenty more fish in the sea and all.

And tbh getting out of that housing situation isnt a bad thing, its just all the stress of flat hunting while all this is going on. And my mate was charging very little rent so I'm going to have less disposible income.

Course I'm gonna fight for the insurance money, i just feel so demoralized atm it sucks.
 
since youve got nothing to lose. might aswell scam a shedload of money on the internets and flee the country to start a new life
 
Unless Ive read your post badly, I cant believe the tyres were illegal after only 1 year. Assuming the car is stored in a garage yard it might be worth checking that the tyres on the car now are actually the same tyres you had on originally.

You've had a shed load of bad luck and you really do deserve some good luck now.
 
*inserts sympathy*
really sorry mate, but I'm sure you can pick things up, it'll be a while before I even think about affording a 22k car...
 
if he can't afford the tyres sounds like he couldent afford a 22k car yet alone pay off an 18k loan in 18months without a job
 
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