And.... so it begins AGAIN!

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Chestnutmare

Chestnutmare

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I am looking for a horse to buy now, as sadly I had a rather un kind message from my loan boy's owner over the weekend who said that a saddle wasn't a priority and buying him was... erm I shall say this... the saddle I got with him was awful did not fit him one bit its a forward cut wintec 500 the older style, no good for a deep shouldered horse, changed the gullet too had two saddlers out to check it etc, nope a new one was needed I had asked his owner couple months previous if they had another one for him to which I got a no.

So have had this saddle on trial in order to purchase it, and to pay his owner for him too as per agreement to pay in installments our idea not hers, she wouldn't be getting a penny til next year anyway, so her saying to me that not paying her was the wrong thing when in fact I am looking out for the horse and myself and I wouldn't buy a saddle for nothing especially this side of xmas and if I don't pay her by the end of this month she is going to come and take him back!!! I was gob smaked so I replied in a polite manner but firm about it all pointing out reasons etc.

I have done my upmost for this boy since he came to me, bent over backwards to get him going well as his schooling isnt great very stiff etc and his saddle was restricting his movement you can even see it in the pics of him!

The agreement stated that I would pay half his price by may next year.. ok no probs but to show her my good intentions I asked if I could pay each month and then no probs, she agreed this. (maybe I am too soft).
Without having a decent saddle that fitted him what could I do with him?? so to me buying a fitted saddle was a benefit and she would still have got her money but instead sent me a message via FB then went offline.. so that left me quite upset by it all I have done my best for this horse too.

Am I totally in the wrong with this?

I haven't had a reply yet either to my messgae back to her.

Not slept all night been awake thinking things through ive attacked the giant cadbury's buttons too already :( :(

What would you do in my position please? I have more info but would rather save face by not spilling everything on here.
 
I 'think' the owners of the horse are disgruntled that the OP bought a new saddle for the horse, rather than paying an installment for it (the horse).
 
Sounds like OP has a horse on loan with an agreement to buy. This horse came with an ill fitting saddle so OP has sourced a saddle which is being trialled with a view to buy...now this is not so clear...OP is buying the saddle, but not yet paying any money for the horse purchase, owner thinks OP should pay for horse before paying for a saddle. OP now wants to look for a new horse???

It would depend on the reason why OP said they could only pay in installments or not until next year? i.e. if they were saying money was tight/an issue and then went and found money to buy a saddle, then the owner maybe has the right to feel let down?
 
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ah I see...was confused there....I'd be glad that somebody bought a saddle to help my horse but if they'd arranged to pay monthly, didn't, then bought saddle I'd be annoyed
 
Sounds like the owner decided that if the OP could afford a saddle then she can afford to pay for horse first then get the saddle ?? Basically that her getting paid must take priority over getting a new saddle. :confused:
 
amymay said:
Wow, confusing post.

Pay for the horse, buy it a saddle.

Seems so simple really...........
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I was totally baffled by that too.

Get a loan to pay for the horse in full and then pay that off, knowing that the horse is yours and you can't get messed about.

TBH, if you'd agreed to pay monthly for the horse, and you didn't then the owner is right to be annoyed - what if you have a vets bill to pay next month or something else crops up.. If you commit to paying for something, you have to do it, or you risk losing it.

I would never buy a horse this way. Its too risky. Get a loan or something asap to get rid of the situation.
 
I am glad that someone has explained this post as I was also confused.

If you have an agreement in place as to how/when you pay for the horse, it is none of the owner's business how you spend your money now, is it? A contract is a contract.


Having said that, I'd prefer to buy the horse outright just in case....
 
Ok, I can see both sides of the story. I can well understand why the owner is annoyed. But she does not sound like a very nice person in that she is not bothered about whether the saddle fits.

I still do not understand why all this means the OP has to buy a different horse.
 
Flummoxed said:
I am glad that someone has explained this post as I was also confused.

If you have an agreement in place as to how/when you pay for the horse, it is none of the owner's business how you spend your money now, is it? A contract is a contract.


Having said that, I'd prefer to buy the horse outright just in case....
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But if the contract was negotiated on the basis that the loaner did not have enough money to buy the horse until next spring, and then found enough money to buy it a saddle, I'd be pretty pee'd off myself.
 
Sorry, I am still baffled - new horse, new saddle, loan horse, payments for horse, upset owner of horse - wish the OP would come back and explain. In English.
 
I think I understand. I had a horse on lwavtb not too long ago. This was the first and only time I have ever entered into such an agreement. I don't want to go into all the details in public here but the final straw was about an ill fitting saddle. My view is that a horse should not be ridden in a saddle which doesn't fit them correctly and causes them discomfort. If you are attached to the horse, like me have spent a lot of time bringing that horse on and have the opportunity to buy it then I wouldn't hesitate. If buying isn't an option at this time for whatever reason then I wouldn't continue to ride it in a saddle I knew didn't fit I would send it back rather than causing it possible lasting mental and physical damage. If in agreeing to pay by installments you have missed a payment because of the saddle I think that is wrong. If you have agreed to pay set amounts on certain dates to be completed by may then, unless the owner agrees otherwise, you should stick to this agreement. If you can't afford the new saddle and the installment then perhaps the horse should be turned away or worked on the ground until you have met your responsibility to the owner.
 
Sorry for the confussion... il explain
Horse is LWVTB for a year it is in agreement that I would pay next year at least half by May, this isn't an issue at all for the money to be handed over to owner.
However in order to show my intention I asked if I could pay each month to which was agreed, but had asked his owner if she had another saddle for him as the one he came with is no good at all, I had mentioned this to owner and due to me caring for the horse I went through the trouble of getting a saddle fitted for him and was going to pay installments as per our agreement not a problem.

Until, I got the message from his owner he is on loan for a year til I bought him August next year (agreed at time I got him).

Now to me having a saddle that fitted was quite important or so I thought.
 
thehorsephotographer said:
I think I understand. I had a horse on lwavtb not too long ago. This was the first and only time I have ever entered into such an agreement. I don't want to go into all the details in public here but the final straw was about an ill fitting saddle. My view is that a horse should not be ridden in a saddle which doesn't fit them correctly and causes them discomfort. If you are attached to the horse, like me have spent a lot of time bringing that horse on and have the opportunity to buy it then I wouldn't hesitate. If buying isn't an option at this time for whatever reason then I wouldn't continue to ride it in a saddle I knew didn't fit I would send it back rather than causing it possible lasting mental and physical damage. If in agreeing to pay by installments you have missed a payment because of the saddle I think that is wrong. If you have agreed to pay set amounts on certain dates to be completed by may then, unless the owner agrees otherwise, you should stick to this agreement. If you can't afford the new saddle and the installment then perhaps the horse should be turned away or worked on the ground until you have met your responsibility to the owner.
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I can afford the horse and saddle which was explained to owner but they have said if I dont pay by end of month for the month installment then she will just come and pick him up, but she was going to get a good couple of months and me buying the saddle.
 
amymay said:
Wow, confusing post.

Pay for the horse, buy it a saddle.

Seems so simple really...........
Click to expand...

Totally agree, OP, I am assuming you have a saddle that will come with the horse, and unfortunately but understandably the owner isn't fussed about buying a saddle for a horse she is selling, If you can get away with buying the horse for a slightly less amount than agreed without the saddle, then do that, if not buy horse and saddle, sell saddle and get another one, the other option is to ask if you can pay for the saddle first, sell it then get another one while you continue to pay for the horse. But really why would you want to go out and look for another horse when you already have a lovely one there that you wanted to buy, and can buy in installments? Not many owners would agree to that, and if thats the only way you can afford the horse... stick with it... There is nothing wrong with the horse so I just don't see why you need to go and look for a new one:confused:
 
Bottom line is if you have been paying in installments - and that is what owner expects due to your revised agreement - you can't just not pay one because you're buying a saddle. And of course you'd be buying the saddle.....

So pay your installment.
 
I think understand, so basically you had the horse on loan till next Aug but you offered to pay by instalments to show you where true to you word and would eventually buy the horse but because you now have to buy a new saddle you cant make the next instalment but now the owner wants the instalment. That about right?

If I were you id would try and pay both but if you cant then try talking to the owner face to face. She might have been put off by your message or something, simple miscommunication. :)
 
It does sound all confusing BUT I have not missed any payments at all to her and the fact that she thinks there is nothing wrong with the saddle he came with!! and that I probably just needed a tree changing????? really... I had already got the gullet changed to see if it was that and it wasn't by no means was I not sticking to the contract at all, but for her to want to come and collect him by end of month.

I am not going to bother LWVTB anymore sadly this has ruined it all, the horse is lovely but also needs a huge amount of work too and without a correctly fitting saddle what was I supposed to do?
Owner is coming to pick him up as per her message.... so I am now going to go buy one instead of loaning saves alot of hassle in long run, unfortunately I do not have the amount she wants alawise yes I would just hand cash over and be done with it all.

I have not asked her to buy the saddle or alter the price of horse nor miss any payments I do not understand why I am in the wrong when I haven't done anything wrong at all.

maybe I just didnt explain myself clearer I am very tired having not slept
 
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amymay said:
Why not just pay outright for this one?
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As the money I have is not enough and she has already stated she wants to come and get him back!!
When I can instead go and buy one now and not have to worry about all this again :( I am so upset I have no broken any agreement at all, yet she would be happy to just come and get him because I bought him a saddle... which also shows me looking after him and YES she would still have her money on time no problem, I have explained this to her too.
 
Merlywerly said:
As the money I have is not enough and she has already stated she wants to come and get him back!!
When I can instead go and buy one now and not have to worry about all this again :( I am so upset I have no broken any agreement at all, yet she would be happy to just come and get him because I bought him a saddle... which also shows me looking after him and YES she would still have her money on time no problem, I have explained this to her too.
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So to be absolutely clear - you have paid November's installment?

And what about the money you've already paid?
 
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There seems to be a bit of the story missing. You can afford to pay the instalments for the horse and the saddle. You haven't missed any payments and yet owner has sent a rude message saying that next payment must be met or she will take the horse back.
Why does the owner think you won't keep up with the next payment ?

Ok, so you are offended at the owner's attitude, but if the horse is lovely, why are you sending it back ?
 
If you have a written agreement regarding the LWTTB and the agreed payment plan then she has no right to simply remove the horse unless she feels you have broken the loan agreement I would say.
 
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