Agreed to a full loan - and now i feel physically ill !

Gingerwitch

Gingerwitch

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I honestly do not know what to do now, I really thought I have checked, double checked and triple checked - and reading the links to the buddygate I just an worried to bits and starting to doubt if i want to allow a ful loan off my yard.
 
My first horse was full loan, had him to the end of his days so they are not all bad.

Perhaps take a few extra precautions ?

How about

Visit the yard horse is going to and speak to YM
Also any instructor, PC etc
Get a utility bill, no more than two months old for the persons residential address.
Copy of their passport
Make sure you have a landline number for them
Visit regularly

I'm sure everything will be fine - most people are normal!
 
Contact their vet for a reference and ask for a work reference and copy of their passport to prove who they r and utility bill to show where they live. It may seem overkill but may put your mind at rest. If any real doubts about them cancel the loan.
 
Gingerwitch said:
I honestly do not know what to do now, I really thought I have checked, double checked and triple checked - and reading the links to the buddygate I just an worried to bits and starting to doubt if i want to allow a ful loan off my yard.
Click to expand...

but buddy wasnt on loan niether is he loaned out. lol
 
I have had horses on full loan at present I have one on a 6 month trial. He is being royally spoilt and looked after as he was my own. A horsy friend gave me a reference as she recommend me. Facebook stalk if you can, get references I would have been happy to give them. There are good people out there.
 
Is the horse Freezemarked and have you let the FM company know that he's going on loan and that the ownership details must not be changed?

Have you let the Passport Issuing Office know that he's going on loan and that the ownership details must not be changed?

Have you got a contract where it specifically states that the horse is on loan only and cannot be sold?

Have you kept the original bill of sale, to prove that you own the horse?

Is the yard he's moving to close enough for you to visit?

Has the potential loaner given you references?
 
Not everyone is a crazy person, or numpty or criminal. I don't know your circumstances for the loan, but if you have checked, checked and checked again and will check whilst the horse is out on loan I think you can't really do any more.

I have several friends who full loan, two who have horses on full loan and a couple who's horses are out on full loan. It works for them and the horses are all happy and looked after as if they were their own.

There are always horror stories about everything, and it pays to be cautious, but take heart, it does work for lots and lots of people :)
 
The loaner was recomended by word of mouth from a friend of the family. The farm - they own it - is 6 miles from home and sort of on the way to where i keep mine - i have been told i can visit anytime but have said as a minimum I want to visit him at least once a month when i know he is settled. The vets know the family and have vouched for them, the farrier is the same one we use, my riding instructor knows the family and has vouched for them too and the pony by the way - so not sure what more i can do ?
 
Gingerwitch said:
The loaner was recomended by word of mouth from a friend of the family. The farm - they own it - is 6 miles from home and sort of on the way to where i keep mine - i have been told i can visit anytime but have said as a minimum I want to visit him at least once a month when i know he is settled. The vets know the family and have vouched for them, the farrier is the same one we use, my riding instructor knows the family and has vouched for them too and the pony by the way - so not sure what more i can do ?
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This sounds like you have good odds for a successful loan. :) Very different to loaning to a total stranger, 100's of miles away.
 
Gingerwitch said:
The loaner was recomended by word of mouth from a friend of the family. The farm - they own it - is 6 miles from home and sort of on the way to where i keep mine - i have been told i can visit anytime but have said as a minimum I want to visit him at least once a month when i know he is settled. The vets know the family and have vouched for them, the farrier is the same one we use, my riding instructor knows the family and has vouched for them too and the pony by the way - so not sure what more i can do ?
Click to expand...

Sounds like you have covered all bases. Get a decent loan agreement and ensure any extra stipulations you have are included. I honestly think the vast majority of people who loan horses feel extremely privileged to be allowed to take on someone else's horse and care for them well. Unfortunately the cases where things go perfectly smoothly are less widely publicised! The first horse I had on loan was a big chestnut ex racer; the owner didn't know me and I moved him to a yard about an hour away from where she lived. There was no loan agreement or anything like that in place - quite shocking now I think about it - but I looked after that horse as though he were mine and I was gutted when he had to go back (went back to uni).

Any genuine loaner will be more than happy to sign an agreement and allow you to visit any time.
 
There are normal people out there who loan I promise you. We took on our last one ten years ago days before he was due to be pts as his owner couldn't find him a home. He lived out his days happily with us until he had to be pts late last year. We've also loaned out several times with no dire consequences :)
 
Stop worrying, you have ticked all the boxes. My friends loan a horse, the owner can turn up whenever she wants to see how she is doing and occasionally takes her horse out for a ride (couple times a year with loaners agreement). If u can see horse as you drive past even better if not then monthly check, or weekly for first couple weeks should put mind at rest.
 
Sounds like you have covered all bases, i actually loaned my boy for a year to someone over 100 miles away, but i went to their house, met her toddler, saw their yard and felt it would be the best home, they cared for him well and were sad when they had to return him.
as you know them and friends know them i would not worry, only other thing like others have said is see proof of address. my mare was on loan from her first owner when she got abandoned and i started looking after her. the loaner had actually given a false address, and was never found, luckily i gave her a home and contacted the owner, i have now owned her for nearly 3 years.
believe it or not, many more loans go well then badly! this forum just discusses the horror stories, but makes you sensible and cautious
 
Thank you for some reasurrance - I am not worried about a notice period from them to me - as if someone does not want the pony i would rather get him back there and then - i will be paying for his vet bills, and his feet trims and his wormers and any lotions and potions he wants.

He is having a new saddle fitted at the weekend, he is having his teeth done by the vets and his jabs, and the lady is coming to be with us so she can have a "vetting" as such - they do seem really really nice people and her children are absolutey mezmorised by the pony. He will be being kept with 3 others - and more to the point the pony has really taken to the keenest child and already follows him everywhere.
 
My boy came back off a full loan 2 years ago (sadly the couple split up and moved away) they had him for about 7 years and I can honestly say that they loved him as much, if not more than I did! As with everything, you get the good and the bad. Just the bad gets more publicity.
Sounds like you have done everything right so far, I hope it continues to work out well! X
 
Not all loaners are bad. Unfortunately, it seems that once people have a bad experience, they tarnish all loaners with the same brush.

I had my mare in loan first, owner visited her once as he lived abroad but I kept in regular contact, sending pictures etc and then in 2012 (after a year) I actually bought her. Even after all the heartache last year with lameness issues, I continues with treatment etc which she probably wouldn't have had at her previous yard as she lived out and was only checked on once a day.

She has a home for life, no matter what and is actually in much better shape than when I first got her (she was very obese and green for a 12 year old).

There are some bad people out there, but there are also good people. When I had her on loan, I treated her as if she was my own from day 1. I'm sure it will work out. Make sure you have a loan agreement in place.
 
My veteran has been on full loan twice away from my stables. He is currently on loan to a friend whilst I'm convalescing and her daughter is getting a lot out of him learning to care for her own pony and riding a horse that isn't an RS horse.

He also went on loan about two years ago to the opposite end of the country to me, and was perfectly looked after. Came back to me in the perfect condition I loaned him out in :)

There are lovely people out there willing to treasure a horse. It's just a shame there are people like the person mentioned above who have abused our trust that everyone is suspect :(
 
It does sound as though you have checked and double checked. If the farrier and vet are happy for you to loan to this person I would be assured by this.
One of our 'old' ladies is on permenant loan to us. We had her as a hack, then retired her but love her so much that we're happy to keep her on. Her owner is lovely and will have her back at any time we ask but we love having her about.
At least with a loan you can check up whenever you want to.
 
I loaned a horse for 18 months. I was happy for the owner to come and visit (although a bit worried that she might find something wrong!). In the end, though, I bought her and she had a home with me for a total of 17 years then she was put down when her arthritis got too bad. I let her old owner know in case she wanted to visit before she was pts and we had a bit of a chat about her life. Not all loaners are bad, honest. I would expect the loaner to be happy for you to visit occasionally and to keep you updated on the pony's progress. Good luck!
 
I only intended to loan him from the yard he has just moved too - and they have tried over the last week - love the pony but it does seam mad that they have their own land and stables and have to plan to visit..... so i sort of got my arm twisted yesterday - hubby was with me - and i got that "look" - he knows the farm and it is his friend whom is a serious animal lover that has recomended them. i was still saying no - but then took one look at the ponys face when the family turned up and he took no notice of me what so ever and wickered at the youngest..... so i felt a bit backed into a corner.
 
We're not all zoomers, i took a gorgeous horse on full loan March last year, owner was pregnant, i was recommended by my coach neither of us had met until i tried him, tbh i wasnt looking to loan, i was looking to buy a horse, and one like him wasnt what was on my radar! But hey ho, id been out of the saddle a year, liked him so thought i'll give this loaning a go, i was wary the owner would be a stalker, always around, always nit picking ....... We drew up a contract between us and over her came,i loved him, and asked for first refusal if she ever sold him, he was looked after the same as my own horses, owner had open access to visit anytime rather than the hastle of me always needing to be around and she came over to watch when i competed.
Fast forward to 6 weeks ago, she realised she wasnt going to manage 2 as she also has a retired horse, and had decided she would need to sell him would i be interested ?? I asked her to think about it some more, was she just having a rubbish day, and to make sure it was what she really wanted to do, i was happy to extend the loan for another year if it would help. Nope, her mind was made up, but the stress of selling wasnt there as she knew me, where he was going, how well he is cared for and loved, so sometimes loans and loaners can turn out to be a really good thing
 
It sounds like you've chosen a brilliant loan home for him, and it's fantastic that you've managed to get references from as many people as you have, so let that put your mind at ease a little. You've done all the checks, and he is at least fairly nearby so that you can drive past to check on him whenever you want to. As others have said, not all loan homes are bad ones - I loaned a horse a couple of years ago, her owner didn't seem overly fussed about where she was coming to, I signed the contract and she let us collect her and take her to the other end of the country, only having met us for about an hour when I tried her. She was in quite a bad state, she wasn't neglected by any means but she had horrendous feet and an awful coat. I totally pampered her, sorted out all her issues, bought her a wardrobe, fitted saddle, everything she needed, and looked after her as well as our own - if not better!! I felt so privileged to be trusted with someone's horse and kept in regular contact with her owner, sending photos etc as she didn't come to visit. I got very attached to her and it broke my heart to send her back as I considered her my own, and I still think about her every day.
 
cronkmooar said:
My first horse was full loan, had him to the end of his days so they are not all bad.

Perhaps take a few extra precautions ?

How about

Visit the yard horse is going to and speak to YM

Copy of their passport


I'm sure everything will be fine - most people are normal!
Click to expand...

There is NO WAY I would allow anyone to take a copy of my passport!!

I agree with the other points though. Get references, ask around and visit on a regular basis, I'm sure you will end up with a good loaner, not all are horror stories!
 
maisie06 said:
There is NO WAY I would allow anyone to take a copy of my passport!!

I agree with the other points though. Get references, ask around and visit on a regular basis, I'm sure you will end up with a good loaner, not all are horror stories!
Click to expand...

I wouldnt take a horse without a copy of the passport, its supposed to stay with the horse, or be available within a certain time frame, and the original is necessary to be with the horse for examination if the loanee is competing the horse.
I find it strange you'ld let the horse go and not a copy of the passport
 
Gingerwitch said:
The loaner was recomended by word of mouth from a friend of the family. The farm - they own it - is 6 miles from home and sort of on the way to where i keep mine - i have been told i can visit anytime but have said as a minimum I want to visit him at least once a month when i know he is settled. The vets know the family and have vouched for them, the farrier is the same one we use, my riding instructor knows the family and has vouched for them too and the pony by the way - so not sure what more i can do ?
Click to expand...

The only thing I wished I had done (though the outcome of my loan was fine) was to insist in my contract that my horse was not to be moved from the original loaners home/yard without my prior consent. My lad moved house four times without my knowledge before I eventually caught up with him!
 
Bobbly said:
The only thing I wished I had done (though the outcome of my loan was fine) was to insist in my contract that my horse was not to be moved from the original loaners home/yard without my prior consent. My lad moved house four times without my knowledge before I eventually caught up with him!
Click to expand...

That is a good point - i really do not want him to move so soon as he has had 2 moves in as many months - due to some very bad choices on my part - and i just dont want the pony to be messed around - i love that little fat thing to bits - but he needs work and i cannot split myself into 2 and whislt he could go to my trainers yard - but that is a fully compertiton yard... and i am not sure he would fit in with all the warmbloods - but it would be funny to see him stabled next to her GP horse ! lol
 
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