Full loan horse now owner wants to ride

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happydaze

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I have a horse on full loan where I pay all costs, livery feed shoes chiropractor, insurance etc etc. This has all worked fine and I get on very well with the horse. However, the owner has now finished uni for the summer (For 6 months) and now expects to ride him twice a week. I get on really well with her and dont want to spoil our relationship. I dont really want a financial contribution as I feel I will lose control completely (this has not been offered by the owner anyway) She has now started visiting more and brought a friend who has never ridden up to ride this week. Am I being unreasonable to feel a bit miffed? We have a loan agreement in place which says she can visit to check on his welfare, which is no problem of course. I am now thinking I would be better to buy my own and have a sharer to contribute! Thank you for your thoughts. I am going around in circles!
 
Nice for the owner - get someone to take on winter costs and work then ride for free in the summer!
How long have you had the loan? I would of thought owner riding maybe once a month ride was fine but twice a week is not a full loan. You need to have a discussion and decide if you want to continue.
 
Owner is defiantly in the wrong .
I think if I where you I would meet with and say I pay x if you ride twice a week I want a reduction of x to cover the two days hopefully this will sort it alternately just say this in not want we agreed to and say you are considering serving notice to end the loan and hope that does the job.
Act fast though don't let it dribble on.
It's bad luck if you like the horse .
 
I have had him on loan for 6 months. The loan period is 3 years, the period she is at uni. I had no idea she would be back for 6 months. She has been back during the 6 months before and ridden a few times which I was fine with.
 
owner is WRONG....

i full loan my horse out.... even if i suddently decided i want to ride...i wouldnt ask....even though its my horse...id ask to see her ridden if i needed to see what she was upto but never ask to ride.... just plain rude

i suppose though thats the thing you have with a loan.... its always the owners horse and at any time they can ask for them back - its all about trust - both ways -

Sounds like she wants the best of both worlds - dosent work like that

id be telling her she can ride once or have the horse back full time.... you are not paying to share........
 
IMO owner is wrong. Is the horse insured for anyone to ride or just you? I'd just speak to her and politely tell her that you don't mind her only riding every now and again but not all the time.
 
Owner is completely out of order! I have one out on loan and would dream of expecting to ride him atall nevermind a weekly basis and bring others to ride! What if you had an event/show planned would she expect you not to go or delay preperations etc! Tell her if she wishes to do this then she should be paying ALL costs+ your fee for keeping her horse on full livery!! Shes taking you for a ride never mind the horse!! God this has really annoyed me on your behalf! Walk away and buy your own :) good luck whatever you decide
 
Thank you, I am trying to keep calm about it but wasnt sure if I was losing perspective! Difficulty is, I have really bonded with the horse.
 
Spend summer looking for a horse to buy then hand back to owner 2 weeks before uni restarts. Some owners really do take the pee big time. My present owner is wonderful obviously (in case she reads this).
 
You get on with her so have a chat with her about it but if she wants to ride then she becomes financially responsible for any injuries etc. i.e. horse becomes injured and then you end up having to pay out and look after it!
 
I agree that it is not fair for the owner to expect to be able to ride the horse, though I am not sure how you can refuse without there being awkwardness, How do you think she would take it if you said you weren't happy with her riding?
 
I think you are going to have to don your brave pants and explain that your understanding of loaning him was 100% exclusivity - you could say that you are happy to change the agreement to a "share" for 6 months, if that is what she wants, but obviously you'll need to share all his costs too. Unfortunately, you have set a bit of a precedent by allowing her to have ridden him a few times in the previous 6 months but I think you need to nip this in the bud - even if it is at the risk of them ending the loan.

As you say, it may be easier to buy your own and get your own sharer.....
 
Faracat said:
Give your notice to end the loan.
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This happened to me, full loan & all the bills, horse had issues when I took him on but was assured by my instructor that he had been a lovely horse it was all bad habits, I spent time & money on lessons, was going fab, daughter when ever home started texting me when she would be riding, they had another family horse but not as good as the one I had brought on. I took it for a few months then ended the loan, I think it was what they wanted as horse went to live with daughter down south.
 
speak to her, explain that the full loan for three years suits you and you wanted full loan to be responsible for the horse and be sole rider, if you wanted to share or part loan that is what you would do. tell her that if she wants part loan or share then that means she needs to give notice on the loan and you can look for something else
 
I really dont know what her reaction will be as she adores the horse. I dont like confrontation and thats a problem, its bound to be awkward isnt it. However, she is very happy with him being with me so I guess she wouldnt want to put that at risk.
 
happydaze said:
However, she is very happy with him being with me so I guess she wouldnt want to put that at risk.
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I'll bet she is. You do all the work and pay all the bills. Slog through the winter we've just had then she turns up when the sun comes out and rides when ever she wants including bringing her friends along.
You are being taken for a door mat.
 
MerrySherryRider said:
Owner is in the wrong here. The horse is yours during the loan period unless you fail to meet the conditions of the contract.
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Goldenstar said:
just say this in not want we agreed to and say you are considering serving notice to end the loan and hope that does the job.
Act fast though don't let it dribble on.
It's bad luck if you like the horse .
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All of this, definitely
 
You def need to put brave pants on say that this is not what is set out in the full loan, he is supposed to be 'yours' for the duration of the loan period, the odd check and ride would be fine but not twice a week!

You need to decide whether you would be happy to share costs and chores and riding over the summer or whether you want to keep him to yourself a bit more. She'd be mad to risk terminating a 3 year loan to a friend while she is at uni tbh.
 
Talk to her and make her contribute or else end the loan (or tell her why you feel you need to and then perhaps she'll stop riding). I think its very rude of her TBH. Ive put one of my horses out on permanent loan and it wouldnt even cross my mind to even ask to ride my horse even once! Although I retain ownership, he's basically her horse which is the case here.

If you hate confrontation, you could always write her an email - that way you can word it well.
 
Even when my sharer for my mare effectively had her on full loan while I was heavily pregnant, we split everything 50/50. I still felt guilty when I started to ride again. Currently she isn't riding her as she is recovering from an op but she's so easy going (and I hope I am too!) that when we are both riding again I know we will be able to agree on the days we both take no problem.
I wouldn't dream of asking her to pay for everything if I expect to ride and enjoy my horse as well - at the end of the day the horse is still my responsibility and I wouldn't want to take advantage of my very lovely sharer.
 
I think you need an indepth talk with owner.
As much as you may not mind, its just for a few months.
She will feel she has the right to do what she wants and you will feel pushed out.

As others have said she's had you to pay and do all work through the winter and now get the turn up on nice sunny days and do what she wants, without paying.

What would owner do if you said sorry, not today?
Would be interesting if she got stropy!

Long honest chat about what you both want and what will happen in the future?

Does owner want horse back eventually?
Maybe buy her horse, could she be your sharer?!
 
Honestly if you are not happy just tell her that you think you would rather have your own horse. Shes taking away two days that you may need the horse, and putting people on the horse you may not want or who may effect anything you do. I know it is hard, my horse is full loan but his owner doesnt' interfere and only rides when shes looking after him when im on holiday. And thats the way i want it.
 
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