Help - so torn what to do??

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I might sound like a bit of a bitch to say this - but I think you OH needs to do WAY more - it was HIS company car you were driving and HE hadn't double checked you were clear to drive it - he assumed as much as you did that you were covered.

I can't remember why you had to drive it at the time - but surely you shouldn;t be having to make all the sacrifices and sell your horse when IMO

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Eh?????

Good Lord girl -

As you can tell I am becoming more and more irrate!!!!!!!!!!!!!!!!!!!!!
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Can't he take a loan out? Hasn't he offered to pay anything of what you have to pay for the accident?

I know I can't remember all the circumstances but any bloke worth his salt would have stepped up to help out!!!

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Oh of course he has offered to pay towards this debt via a loan etc, but this hasnt worked out i.e we were declined. Suppose cause we've just got the house etc...
 
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Suppose cause we've just got the house etc...

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No that wouldn't be the case.

How many companies did he try - although the simple answer is that he just pays your loan.
 
Don't sell her, you will regret it, I'd rather turn her out for a year, or put her in foal at a top stud and let them keep the foal/half share in payment of the keep

Good luck!!
 
Sayin that chick - what's all this about it being his company car and kind of his fault about you accident ? what happened ? If it was his fault can he not pay half of your debt ? and then hes not funding your hobby ?

I am so sorry - if she is that good loan her for comp season? You keep her insured on the best policy you can for security and then A) if injured she is covered B) she will be still in comptetition c) She could be worth more by end of summer D) you could at least go watch her progress E) you can have a more relaxed summer?

:-)
 
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Suppose cause we've just got the house etc...


No that wouldn't be the case.


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Yes it could well be. I work in the industry so know what causes people to be declined, and that could very well be the reason.
 
Up to an hour a day now and just started a little schooling. So far so good.
Didn't know about any of your issues with the accident and all that, you'll have to fill us all in on the 16th.
I am serious though, my yard is good value hon. Rubber in all boxes, tons of grazing, rubber school, jumps, horse walker.
£85 per week which is 5 days full, diy weekends includes all hay, feed and bedding.
It's Hucking though so might be too far. she does do assisted too.
Every little helps. Good luck.x
 
Hello

Dont keep applying for credit again and again - as you have just got a house it will have affected you credit score - not in a bad way but legislation keep banks form loaning out as much as they would like !!!!


Dont apply for any more credit for another three months - keep paying your new mortgage on time and the the scoring system will calm down - if you keep applying for credit the system keeps track of your sucess - it doesnt thing - why have you been declined? it just sees that you have been declined so then the next one will decline and then the next one will see you have been declined twice and so on .....

Trust me ....... I work with the system :-)
 
Oh thats good, you'll be out competing in no time
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Hmm sounds good but what i'd prob save on livery id be spending on petrol and travel lol...thanks anyway hun. Yup will update you on the 16th x
 
Sorry to hear you are going through a rough patch..

Have you thought about anything to sell to raise fund - just wack a load of stuff on (ahem, not sure if I can say this on here but - ebay)

I love reading on here about all the horses people own but I cant understand how its possible unless you own your own land or are loaded
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I share my horse with my sister and both have mortgages, we can just about manage!
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Fingers crossed that you can keep her!
 
You'll be surprised at how much you can make - what I though was my rubbish that no-one would want, I ended up selling with loads of bids! Happy ebaying
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Also, not sure if Ive missed it in other posts, but could your horse go on DIY?
 
Couldn't you add a bit extra to your mortgage, then that way bothyou and your OH would be paying??

Or couldn't you ask your dad to take the loan out for you and then pay a standing order straight into his account to cover it each month??

Can you tell i have been in this situation before
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Also i would serioulsy try to move to a DIY yard, i know i wouldn't be able to keep Senza if i was on full livery as it would bank rupt me. Beggers cant be choosers hun!!! I dont mean move somewhere horrible you just may have to make some compramises.
 
I don't know what to say that hasn't already been said and a bit confused as to how you ended up with a big debt, don't know your whole story but was in a similar position a few years back when stuck with a mortgage and horse and only 1 income.

I was determined to keep both so cut my cloth massively. I had to sell my lorry but was close to Solihull RC so was able to keep going to some competitions. The horse was on DIY and I had her shoes taken off as luckily she was tough enough to go barefoot. The yard was close to home so used my bike wherever possible and for work. I also shopped at Aldi and got very sick of minced beef!

But things got better because having a fixed rate mortgage meant that in relative terms it came down each year while my wages went up

I think if you are determined to keep her you have really got to shave everything to the bone and it can be done without any harm to her, you will just have to go without a lot yourself.

For instance whilst not being helped financially could your Dad and OH help you out on a DIY yard?

Is there DIY available to you near to a local equestrian centre?

Could she go shoeless behind? You could still jump on a surface and do dressage I'm sure with just fronts on.

If I had a horse that was bringing me so much pleasure I would do anything but sell, but you could find a very caring and considerate person to take her on loan for a fixed term.

They do exist, had Willow been laid off long term would have seriously considred taking one such as yours til he was back in work.
 
Oh i am looking but seriously there is no where at the moment available apart from one yard which is run by an 18yr pikey living in a caravan with a baby - great fun haha
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There may be the option of borrowing of Dad and paying him back but that wouldnt be till August. If the car people dont chase me for money before then, it could be possible lol...
 
You might be able to keep her at our yard... but i'd have to check with B etc and if so it would just be field livery... but we do have rubber arena and its not that far from you! Would be a LOT cheaper than the full livery you are paying now though!
 
Yes Staplehurst way not that far though is it? Unless you've moved somewhere completely different to where you first said?!
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It's a shame you don't live closer to me I would have been interested in sharing Star, she is just the sort I am looking for as I think I am going to sell mine as she is not ticking all the boxes. I am affraid I know how you feel I have had many a sleepless night trying to figure out what to do. My Horse is a brilliant jumper but an absaloute lunatic and needs to be competing every week which with work I have not got the time. I really feel for you it is a horrible position to be in but sharing is a good option.
 
Relationships are not based on money though. Me and my OH have got a joint mortgage and pay enough into a joint account to cover bills mortgage etc etc and everything else we pay for ourselves. We both have horse he pays for his and I pay for mine. I definatly would not expect him to cover me if I was in a difficult financial situation, of course if we could come to an arrangement where I could pay him back that would work for us. Could this not be an option for LadyMagoo and her OH? Instead of expecting him to step in!!!
Not all relationships need to be run with joint finances and I for one would never want this. My OH earns far more than I do and so he should enjoy his money. I am not with him for his money.
Sorry for ranting but I have had so many people say things to me about shared finances and why don't we do it, it really winds me up and is so hard to explain to people!!!
 
Halfpass - I am glad you wrote this - me and my OH are Exactly the same !!!

And there is nothing wrong with it - its works great for both me and OH - there are always times when the other is a bit skint or ahs no money on them to buy things and we help each other out but our mortgage and bills come out of a joint account which we both put money in and the rest of our wage is ours to fritter away hee hee!! :-)

sound like there are a few man haters on this thread? xx
 
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sound like there are a few man haters on this thread? xx

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If that is aimed at me - then you couldnt' be further from the truth. I just thought that marriage - or having long term partners etc - meant 'sharing', 'supporting' etc. And in this particular situation if I were watching my partner go through the anguish that OP is going through - then I would do everything in my power to help them. Isn't that what love is all about??
 
Oh hun I totally sympathise. I was going through this a few months ago and decided that instead of buying my own flat I'd keep Ty and share a flat for a few years - the thought of selling him broke my heart and I knew I wouldn't be happy.

Agree with a sharer - you wouldn't have a problem with an able horse like that.....how about bringing down livery bills somehow too?

Hope you sort it out as I really understand what a horrible time this is. PM me if you want to chat xx
 
We are very similar, my horse is my hobby and I don't expect my husband to pay for it. Of course he helps me out if I am in trouble but if I couldn't afford to pay livery etc. I would have to sell as there is no way my hubbie would pay for it (esp as he doesn't really like horses!)
 
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