Oh man if I had known about this thread earlier... I'd have 50% of the total posts in this thread.
The biggest load of **** I can think of was on 09, playing Man City in final of Carling Cup with Liverpool, 1-0 up 88th min Skrtel ***** up and they equalise, 93rd min Zhirkov scores unbelievable freekick from 40 yards and I quit FM for 6 months after that.
On FM10, leading by 2 goals with 20/30 min left to play so I try bring on a defensive mid for a striker just to sure up defensively and they always score before I can get the player on and for tactics to have changed.
Also attacking JUST past the allotted added time (eg, 3 min and it's 93:20) and even though I have the ball just outside their box the ref blows for fulltime, yet when the opposition need a goal the ref lets the game run up to 2 minutes over allotted time.
Reading through this topic has cheered me up though, had a good laugh at some of the misfortunes, at least I'm not the only one suffering all this BS.