And.... so it begins AGAIN!

Status
Not open for further replies.
Yes there is some of this missing as it would take so long to explain further.

Basis to it is I love the horse yes but if owner wants to take him back what can I do if I dont have the full amount now?.

All so confussing getting into arragements like this, I have never done this before
 
I am still a little confused.

How much have you already paid OP? Percentage wise if you dont want to talk money on an open forum. Has the seller offered to give you this back before collecting the horse? The seller sounds a little crazy to me!

A lot of people have said just pay the rest, but if you are like me OP you haven't got a ton of cash to put your hands on immediately. Could you borrow the money for the horse, buy the saddle and then work it out from there? If not I'd be inclined to let them take him back AFTER a full refund of my payments. xx
 
sorry OP, still not clear on exact situation - maybe owner has misunderstood what you were trying to say?

have you made any payments yet for the horse?
 
OP - at the risk of making this even more confusing...

If you have an agreement (in writing) which states that payment is to be made by May next year, then I'm not sure that the owner is legally able to come and collect the horse as you are not yet in breach of that agreement.

If I've understood correctly; rather than paying a lump sum next May you have instead been paying by monthly installments to show goodwill leading up to the date by which the full monies are due and this was agreed to by the owner.

The issue of the saddle seems like a separate one altogether. If you took the horse on LWTB with suitable tack included in the deal, then you do have recourse against the owner if this is in fact not the case. If as you (and saddle fitters) say the original saddle clearly isn't fit for purposes and the inclusion of suitable tack is included in the written agreement you could well be covered by the consumer credit act. You could contact Trading Standards and ask their advice. It doesn't seem unreasonable to ask the owner to provide/pay for a replacement saddle, but if she is refusing then it seems sensible to negotiate a reduction in the sale price to cover your costs.

If the owner will not negotiate on the saddle but the horse is the right one for you, I'd get full payment made to her ASAP, sell the unsuitable saddle to offset the cost of the new one and put the entire saga behind you and get on with enjoying your horse.
 
Merlywerly said:
Yes there is some of this missing as it would take so long to explain further.

Basis to it is I love the horse yes but if owner wants to take him back what can I do if I dont have the full amount now?.

All so confussing getting into arragements like this, I have never done this before
Click to expand...

Surely she can't just take him back if you have already started paying installments to purchase him?
 
I don't understand.....so just to be clear you have not missed any installments and you have bought a new saddle? On top of this your loan agreement runs to next August? If so I would insist owner sticks to the agreement.

I would not be parting with the horse unless any monies I had already paid were refunded in full.

I also don't understand why after all the work and emotional investment you have put into the horse you would let it go so easily?

But....have you only had it since August? If so how many installments have you actually made and how many more do you have to go?
 
amymay said:
Have you paid November's installment?
Click to expand...

It sounds like the OP offered an installment plan to the owner although the agreement was to pay half of the cost of the horse by May 2013.

So reading between the lines maybe OP has had to revise her offer of installments in order to pay for this saddle that was badly needed. Sounds like the owner has got the hump and is wanting horse back as the installments won't be forthcoming until later. I may be wrong though.

It seems rather harsh of the owner - it's not like you are saying no to the installments to go on holiday or suchlike and as they were not part of the original plan anyhow........
 
This is really simple ..

Hand horse back

Get any money back you have already handed over

Save up or get a loan and buy your own horse

Take lesson in grammer and spelling ;)
 
amymay said:
Have you paid November's installment?
Click to expand...

yes and why would I pay out alot of money on a saddle for a horse that isn't mine yet... without the intentions?
She has changed goal posts already as when I first went to view him, she said his tack and rugs were included in the price ok great.
Then when she dropped him off and brought up the paperwork she deceided to tell me there and then that I had to pay extra for tack and rugs so ok no problems but with a saddle thats no good i had to get him a new one.
 
OP - So just to clarify?

You got a horse on LWVTB - loan to last 1 year and you would pay at the end (next August?)

You suggested to owner that you could pay a monthly installment until such time which would allow you to show good faith and also help spread the cost.

You have been paying the installments and you are up to date.

In the meantime, as the saddle supplied with the horse does not fit you have had a saddle fitted and are planning on purchasing that.

For some reason the owner has taken umbridge at you buying a new saddle (maybe they believe the existing saddle fits, or they think you should pay them the cost of a saddle ?) and because of this has said if you don't pay in full by the end of the month they will be taking horse back?

Is that all right?
 
Ah well, there we are OP. You've fulfilled your side of the agreement - put it down to experience, these arrangements rarely, if ever, work out.

But obviously don't let the horse be removed until you are reimbursed what has already been paid.
 
Last edited:
Maybe the owner has misunderstood the situation, just like the rest of us!

To the OP - have you actually spoken to the owner. If not, over the phone is better than facebook or texting or is that just me being old! Say you love the horse, still want to buy him and will be keeping to your agreement. If she still wants him back, then its a shame but you would be wise to move on.
 
So, my understanding from your posts is that you have the horse on loan at the moment, and have been paying towards his purchase price, as per your agreement. You have not missed any payment, nor have you told his owner you will miss any future payments. You have also decided to buy this horse a new saddle, which will not affect your payments to his owner, nor do you expect his owner to pay for this. However, the owner is now demanding the horse back because you have changed its saddle.

This doesn't make sense, either the owner is mental, or there's something missing here. Or there has been some miscommunication between you and the owner? (I could well understand the latter given your posts, and I don't mean that to be offensive, but why not call her rather than facebook?)
 
Last edited:
Hmm. I am selling a horse via installments and as far as I am concerned once the first installment was in my hand it was up to the new owner to buy any new kit they wanted and pay the vet bills etc. I am offering them an interest free loan in effect already!
 
JFTD said:
So, my understanding from your posts is that you have the horse on loan at the moment, and have been paying towards his purchase price, as per your agreement. You have not missed any payment, nor have you told his owner you will. You have also decided to buy this horse a new saddle, which will not affect your payments to his owner, nor do you expect his owner to pay for. However, the owner is now demanding the horse back because you have changed its saddle.

This doesn't make sense, either the owner is mental, or there's something missing here. Or there has been some miscommunication between you and the owner? (I could well understand the latter given your posts, and I don't mean that to be offensive, but why not call her rather than facebook?)
Click to expand...

Spot on, i'd say. Especially the bit about something missing (which there is by the OP's admission).
 
unfortunately this could be a reminder that it is rarely a good idea to enter into an agreement to pay by installments with anyone other than a reputable finance company.

Try talking to the owner - there might have been a misunderstanding. If she still wants the horse back then you will have to ask her for the money back and check for evidence of what you have paid and what the agreement was should you need to take it further.
 
it took me a while to understand from the posts

OP - do you like this horse enough to keep him, or would you be happy to look elsewhere? If he feels like the one then I would have a nice calm talk with the owner to ensure that no one has the wrong end of any stick and the horse's best interests are served.

As others have said - if you have an agreement with respect to payment and you have made any instalments to date I would insist on their return if owner is cancelling agreement. If she is overreacting or misunderstanding the situation that might make her stop and think more clearly.

Good luck.
 
I read it as the owner see the loaner as having enough money to buy a new saddle and therefore should have had enough money to buy the horse outright without all this messing about?
 
I will call the owner tonight to clear things up, although she communicates via text or FB...

His owner has changed a couple of things since I have had him... told me last time she came to see him that she had regretted letting him go so to me this is her way of getting him back but would be in breach of her contract as he certainly is not welfare case nor being mis treated in any form.

I absolutely adore the boy and am heart broken by her message to me last night, telling me she is gong to pick him up as she believes that his saddle was fine and it needed a new tree!!! (when I do believe she meant gullet but there you go).

I had a nice bit of money come through my door at weekend that I also mentioned to her not an awful lot but was something now I was going to put this into the 'horse fund' aswel as buying the saddle for him I couldnt see the issue but after being messed about with by her I am not willing to continue it.

I shall be asking her to collect the horse, I do think this is what happened last time he was on loan to a young girl 6mths of having him she took him from her and he was with me literally overnight (should've known then) but there is no way I can get hold of the full amount so soon and am concerened that should I pay anymore for him I will still end up without him.

I am really upset by all this.

My grammar isn't perfect no, but my heart is in the right place no one is perfect either.

Im sorry that this all seemed so confussing Im not great (as you can tell) at explaining things especially when I am so upset.
 
I had a nice bit of money come through my door at weekend that I also mentioned to her not an awful lot but was something now I was going to put this into the 'horse fund' aswel as buying the saddle for him I couldnt see the issue but after being messed about with by her I am not willing to continue it.
Click to expand...

I have no idea why you would be discussing your financial affairs with her to be honest.
 
Merlywerly said:
I will call the owner tonight to clear things up, although she communicates via text or FB...

His owner has changed a couple of things since I have had him... told me last time she came to see him that she had regretted letting him go so to me this is her way of getting him back but would be in breach of her contract as he certainly is not welfare case nor being mis treated in any form.

I absolutely adore the boy and am heart broken by her message to me last night, telling me she is gong to pick him up as she believes that his saddle was fine and it needed a new tree!!! (when I do believe she meant gullet but there you go).

I had a nice bit of money come through my door at weekend that I also mentioned to her not an awful lot but was something now I was going to put this into the 'horse fund' aswel as buying the saddle for him I couldnt see the issue but after being messed about with by her I am not willing to continue it.

I shall be asking her to collect the horse, I do think this is what happened last time he was on loan to a young girl 6mths of having him she took him from her and he was with me literally overnight (should've known then) but there is no way I can get hold of the full amount so soon and am concerened that should I pay anymore for him I will still end up without him.

I am really upset by all this.

My grammar isn't perfect no, but my heart is in the right place no one is perfect either.

Im sorry that this all seemed so confussing Im not great (as you can tell) at explaining things especially when I am so upset.
Click to expand...

It sounds like she doesn't really want to sell him, if I'm honest. I'd either offer to buy him, full amount now, or sad as it is, give him back and look to loan/buy something else.
 
As long as MerlyWerly has fulfilled her part of the agreement then it's none of the current owner's business what else she spends her money on. She could spend it on a holiday, buying a new sofa whatever she likes.

Unless MW has broken the agreement then I think the owner is contractually obliged to continue with the arrangement. If the owner doesn't like being paid by installments she shouldn't have agreed to it in the first place.

Was the agreement in writing?
 
In the absence of all the facts,and I know it may be long and involved to write it out so I'm throwing a guess out and correct me if I'm wrong here.

Are you wanting to renegotiate the price because the saddle doesn't fit and you have bought a new one ?
If so, then I can see why owner is disgruntled. Unfairly perhaps, but you agreed the price and then later discovered the saddle didn't fit.

Unfortunately, buying the tack with a horse can be a bad idea as sometimes its shoddy, otherwise the owner would keep it or sell it separately somewhere else. Another scam is to deliver the horse with different tack to the kit it the viewing.

So basically, taking the horse's tack was a bad buy on your part, but bought it you did, and the owner wants the agreed price.

Is there someone who could mediate between both of you, take the emotion out of negotiations and sort out a fair payment plan ?
 
Merlywerly said:
My grammar isn't perfect no, but my heart is in the right place no one is perfect either.

Im sorry that this all seemed so confussing Im not great (as you can tell) at explaining things especially when I am so upset.
Click to expand...

This is why it would be a good idea to call and have a chat before coming to any major decisions about the horse - just in case there are any crossed wires between you both. It's very easy to get the wrong end of the stick or give the wrong impression when you're upset - even if you have a PhD in English grammar :)
 
Last edited:
Status
Not open for further replies.
Top