Thanks so much. I'm a bit upset still, we had only just finished paying off the car, was a $33 000 car that market value is now $19000 and it looks like it will be written off, at least we weren't at fault so won't have to pay an access or anything.

So shaken, I am just glad I can come here and talk as it really helps. Taking a few deep breaths and trying to be calm :-) This baby means a lot after 8mth ttc.