Latest frustration

I'm ticked. Well, not really... here's the story.
I go to the jewelry store every six months to get my ring checked to make sure that things are in order and that I am not going to lose any diamonds. It's part of the "lifetime guarantee" from the store. When Justin and I bought our rings, we got the extended warranty for my engagement ring, because I have several diamonds in it, that I don't want to lose (obviously). So that, apparently, covers any kind of fixes needed - clasps, lost diamonds, cleaning, you name it... in the FIRST TWO years. So, I'm coming up to three years, I didn't know that my warranty is now expired. I still have to bring it in because they check it so that if I were to lose a diamond in between my checks, they would replace it AT NO COST. Sweet, eh? Well, here's why I'm peeved.

I brought my rings in, on Friday, to get them checked. Two seconds after going to clean them, the lady returns and says
"I'm not going to clean your ring." Uhh... okay, why not? I actually had to ask her why not...
"Well, see this diamond here, it's loose and it's about to fall out. You shouldn't even been wearing this ring. How long has it been like that?" Uhh... thanks for reaming me out, I hadn't noticed it, why do you think I am bringing it to you? "Okay, I never noticed." I say. Apparently, I don't spend enough time ogling my ring.
"I won't clean it because it will fall out if I do. You need to get it fixed." "Umm.. okay, so you do that for me, right?"
"Well, your warranty is finished, so you need to pay someone to do that."
That's news to me. I look at the form, sure enough, it was a two year extended warranty, expired in 2005. The warranty covered everything possible, though. Well, that's just great. The burning question... "So, why do I come in here every six months then, if anything isn't covered anymore?"
"Oh, that's because if you were to lose the diamond between visits where we saw that your claws were okay, we would replace the diamond and fix the claws at no cost to you" Wow. That's great. But now, because you have seen that my claws are loose and that the thing is going to fall out, you give me a big freakout about how I can't wear it anymore and I should take better care and how I have just saved you 400 bucks because my ring checks are all up to date, so you don't have to replace my claws, nor my diamond for me. Nice. I was a little frustrated with the fact that had I lost the diamond and come in, they would have replaced it, but.. because they caught it, I have to pay to get it repaired...

I know that it really does make sense, but you'd think that they would cover it. I was so tempted to just grab my ring, walk away, flip out the diamond, then go back to Kelowna (where we were for the last two years) to get the diamond replaced at no cost. But... dagnabbit, i'm an honest woman. So, now, I will just whine about it and keep my ring hidden until I can come up with the cash to get it fixed.