HELP!! Buyer in a mess

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you have been given some good advice ? The worst thing on this forum is when you give advice, and then further down the line the OP says "I tried this and that, can't do this or that", which they could have said right at the start.

I say again, if the verbal contract is LEGALLY BINDING, just take it to court, and you will win.
 
Unfortunately though there's not much constructive to say. A verbal agreement although legally binding, is your word against their's which is hard to prove. Always get it in writing. Hope you do get it worked out though.
 
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It gets my back up too, no one can offer help without the full info you just come across as someone who had no patience to save up for a horse and has turned to the horsey equivalent of a loan shark

Perhaps if you have information that would help post it and look less of a fool

I maintain if your verbal contract was so legally binding you would be sure you were on firm ground

But you plainly aren't.
 
Baggybreeches said:
At this point I would spend a couple of hundred quid on a solicitor's letter. That should bring a speedy conclusion to the matter when she realises you are serious, the longer she strings you along the easier you are making it for her to challenge your position.
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I would tend to agree that this would be a good way forward - good luck, I really hope you get a positive outcome
 
It's not a playground no but it's also not the place to get legal advice on what is plainly a very complicated matter either
 
If there's more to it than you've said, so advice on credit isn't constructive, then how are we meant to know that? Perhaps if you'd explained the full situation people wouldn't immediately offer the obvious solution of just paying it off in full. And I still fail to see why you can't afford loan repayments but can afford installments. Perhaps the same rather dismissive attitude you are replying with here is why the dealer has stopped being helpful too.
 
shysmum said:
so tell us OP, when exactly did you join this forum, and why ?
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I think she joined today when her friend Jenni posted a thread about it.

lapetitebruyere said:
Yes!! I am naive, but not that naive! (thank goodness!!) Ridden him several times, vetted etc.
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OP I have read this whole thread although not commented so far as I am having trouble getting my head around the situation you find yourself in. Anyway, that is another matter. When did you have him vetted? If it was some time ago I would strongly advise you to have him vetted again before you make full and final payment for him if that is what you decide to do.
 
Littlelegs, I will happily show you copies of all emails exchanged once this saga is over and you will see I have been nothing but courteous and professional with her.

If I'm coming across as dismissive, it's because I am tired of this situation and people jumping on me just to tell me how naive etc I am- it is just not what I need.
 
I haven't called you naive or criticised your choice to pay by installments. I'm just genuinely interested in my answer regarding loan repayments versus dealers installments, because until I understand why that's not feasible its hard to offer other constructive advice.
 
Many thanks to everyone who has responded so far.... Thanks for the useful tips. As you can imagine, sorting this - positively or negatively - is going to take a lot of time, so before it degenerates any further, I'm calling it a day. I won't be responding to any other posts.

Thanks for your help so far - will def join BHS and contact OFT.
 
It is perhaps worth pointing out that even if you 'win' in court from reports on here about such things with dealers winning in court doesn't always mean you get your money either.
 
Oh dear OP is taking a bit of a battering and I'm not 100% sure why.

We may not have the full details but from what I've read I have enough detail to grasp a complex situation whereby the obvious way forward is specialist legal advise. In fact I think it wise that the full details are not disclosed on public forum.

My personal opinion is that OP has been very silly in their course of trying to purchase a horse. Highly naive and has bought this situation on themselves.

That said, what is done is done, and a solution needs to be found. The only way a solution can be found is if someone with full access to the facts, a detailed knowledge of the law in terms of sale of goods, contract hire and equine law is consulted. The OP will then be able to persue the best course of action for their desired outcome (either a full refund, or the horse in their own stable I suspect). The personal sideline of an ill family member and the personal decision to divert funds to their care has no bearing on this (I hope your Father is okay btw). Good luck, I for one would like to know the outcome when available.
 
littlelegs said:
I'll have to assume there isn't a logical answer to my question then.
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My understanding of the current situation is OP agreed with dealer that they would purchase horsey at £X. Entered into a contract/agreement that this would be paid in installments. At no time did OP agree to paying for livery during that period.

Fastforward, Dealer is now claiming an additional £300 per month (might be fair, might not be fair - we don't know) which means OP now owes more than their original interpretation of the agreement. Did I also see mention Delaer claiming horse is now more expensive too?

So in theory, OP could take out a bank loan for the remaining 50% of original intended purchase value, drive over, give the dealer the money, take horse home and pay off bank loan in installments. There, all sorted!

The question is will dealer go for that? Or will they insist £300 pcm livery is paid before horse released? In which case this is where things get more tricky. Even worse if the baseline horse price has suddenly gone up.

My main question would be - have you gone to the dealers and spoken face to face. Is the horse still on their property? If horse is on property is it still fit and well?
 
I think before anything else I would turn up to visit. It's only 70 miles away, make sure the horse is still there, find out exactly what you are getting for the livery charge and try talking to the person face to face!
 
lapetitebruyere said:
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If I'm coming across as dismissive, it's because I am tired of this situation and people jumping on me just to tell me how naive etc I am- it is just not what I need.
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When I read this thread earlier, I didn't reply as I found you a bit touchy. While I had my tea I was thinking that you're probably only like that because of the stress of it all.

Nothing to add other than what has been said. I just hope you can find a good solicitor to chase this up. I reckon this dealer will change her tune if you do.

Good luck and keep us posted.
 
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