keep an eye out for a cheap 107 , I cant think of cheaper driving ,,,, sometimes luck just runs that way for folk .That would be my guess too.
And totally correct on your bottom line too.
Poor lass isn't having much luck with cars - bought a Pug of some description a year or so ago - some problem with the wiring loom meant it wasn't viable to repair. And now this. Bought her first house this year so she's not exactly rolling in spare cash.