horrific loan - help

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speedycivic

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I have just collected my once beautiful horse from loan. I now have a beautiful - to me damaged horse, lame, scarred and emotionally damaged. I am so disgusted words cannot describe it. The thing that sickens me is that the girl cares not two hoots about the damage done, the lost property or that the poor horse may have to be put down because she sustained a leg fracture which the loanee failed to call a vet for.
I have now found out that my horse weaves. That she was apparently shut in for long periods of time despite being assured that she would have lots of turn out. That the loanee let her be anyones ride. That expensive equipment left with her has been stolen. That she suffered a severe injury prior to the later one and I was not informed and she is now scarred. Nor was a vet called and they clearly should have been. Then before I was going to collect her a friend of mine was at the yard to get the saddle checked and found my horse with horrendous leg injury again. They were at least 6-8 hours old and I fear had we not seen them that she could have been out in the field for three days like that till I collected her. When it was spotted no one cared to call the vet except me and now it transpires a fracture. Despite a contract which has been breached left and right, the girl has not returned my messages or said what she will pay for. She doesn't care. She has no assetts or only assetts she can put down as her parents. I am faced with the horrific thought that this beautiful horse is so damaged at just the age of six.
I have not understood how to paste photos on here. I anyone knows I can add them and you can see what a mess she looks
 
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Oh how awful, people out there these days are horrendous, poor horse!!
To post pics, you need to get a url of the pic, by uploading them to facebook or an alternative site and then copying address in


hope that helps :(
 
God, that is just beyond horrible.

I have tried for year to post a picture, and can still only manage it on my iPhone.

Open an account on photobucket. Copy your image code and them paste to your thread, hth

I also hope horses leg is not too bad , ivsuppose the fact that vet has not pts means there is hope
 
Totally know how your feeling having had a simliar thing happen to me just a matter of weeks ago :(
Photobucket it your best bet for pics, just create an account, upload your pic & the copy & paste the last line of writing that appears underneath it.
 
If I was you, I wouldn't be posting pictures on here, I'd be getting on touch with every authority you can, and your solicitor, if your horse is that bad, I'd be taking legal steps to get the person into court, and also to try to get back costs of vets, which you are obviously going to be paying for now...
 
I am puzzled as to what help you want, and whether it is the right path for you to obtain it by coming on here as a total new poster asking complete strangers for help.

You have the horse back in your care. Your missing stuff is a civil issue that no-one can help you with, even the police. Even if your loan agreement, if one existed, specified the loanee should pay vet fees, you'll never get them out of her and suing will just cost you more money you are almost certain never to recover.

Do not be surprised if you do not get much response, or if some of it is very cynical. There is a big history of trolls coming onto this forum to post upsetting stories as their very first post, and it's impossible to tell at this stage whether your own post is genuine or not.

Perhaps if you could explain more clearly what help you need you will get more relevant support.
 
navaho said:
Totally know how your feeling having had a simliar thing happen to me just a matter of weeks ago :(
Photobucket it your best bet for pics, just create an account, upload your pic & the copy & paste the last line of writing that appears underneath it.
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I read your story and photos and thats what prompted me to make contact. I am not sure what to do at the moment other than get her well if this is possble. I wanted to warn others about this and I think now that I might have asked for a deposit or proof of insurance before she left me. I had the BHS loan agreement. But the awful thing is like your loaner - she just doesn't care - is sort of like - do what you like.
So what I wanted was to guage if it is something I can mention to the RSPCA or is it worth going to court? It makes me feel sick to my stomach that someone takes on a loan and does this to a well and healthy animal.
 
What the hell?? Poor horse, poor you! At least you got your horse back. Think you need some legal advice as mentioned previously, think the BHS could help you out there. Keep a record of all correspondence between yourself and the other party, dates, the lot. How old is this girl anyway, and what do her parents have to say about it all?

Disgusting how some people behave.
 
I feel so sorry for you, and would be absoloutley fuming, if a girl did that to my horse and then wouldn't pick up the phone or reply to my emails, i'd be off to knock on her door...preferably in the middle of the night to be of most inconvenience, perhaps with one of those horn sireny things or a drum set.:mad: if you had drawn up a full and proper loan agreement I would definitely take it to court.. I hope she makes a speedy recovery.
 
Beausmate said:
What the hell?? Poor horse, poor you! At least you got your horse back. Think you need some legal advice as mentioned previously, think the BHS could help you out there. Keep a record of all correspondence between yourself and the other party, dates, the lot. How old is this girl anyway, and what do her parents have to say about it all?

Disgusting how some people behave.
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she is an adult - independent if immature.
 
This all happened over the space of how long? You didn't visit the horse or have someone there to keep an eye on him presumably? What about the yard owner, where was she when all this was going on?

And the answer is ... yes any normal person would have called the vet out to that inner hind leg wound.
 
You could try to pursue her through the small claims court, though even if you win, you may well not get anything out of her.

Get some legal advice before you do anything else though! Don't forget to keep records- easy to get stressed and forget, but essential if you go down the legal route.

And good luck.
 
Spring Feather said:
This all happened over the space of how long? You didn't visit the horse or have someone there to keep an eye on him presumably? What about the yard owner, where was she when all this was going on?

And the answer is ... yes any normal person would have called the vet out to that inner hind leg wound.
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Thank you so much! I just needed to bounce that off you as the yard owner didn't call vet even when it was bought to her attention. The yard owner assured me she would keep an eye on her and make sure she was OK - not true as it turned out.
Now I did visit and initially it seemed ok - it wasn't apparent that anything was amis other than a bit of weight loss, but they took that on board and addressed it. She was always in when I came in the first few months and I was told that she had only just come in. No sign of the loanee but I thought she was coming up later and that was what I was led to beleive. When the horse was turned out she was put into a field that was not what I had been shown. It was not that safe and over crowded. These last two injuries occurred in the last 6 - 8 weeks of being there. Only then did I notice tack had not been cleaned in six months and lots of bits missing. Because Two girls told me that the loanee had not been up in months! It makes no sense! why don't they just say and you can take them back before they suffer.
 
Yes a vet should have been called.
The RSPCA will have no interest.
I think the photos show that your horse has not been looked after properly whilst on loan but feel that the advice you have been given so far is the way forward.
If the loan agreement has been broken,which it appears to,you have only the civil route to take.This would be very expensive and with nothing to gain if the loaner has no assets.
Was she kept at a livery yard? I would be very upset if she was as they have a duty of care,but still not worth pursuing.
I do hope your horse makes a full recovery and feel that anyone letting a horse go out on loan needs to make regular visits.
 
RSPCA maybe interested in contacting her re: failure to provide veterinary care.

As for whether it is work pursuing her for damages, if she has no assets there is little to no point.
 
The yard owner has a duty of care ,they obviously knew the loaner was not going each day. What livery yard can leave a horse in that state ,my owners know that the vet is called before the owner in an emergency.
They also seem to have lied to you when you visited:confused:
I hope you can get some help,I assume she wasnt insured by the loaner.
 
speedycivic said:
Thank you so much! I just needed to bounce that off you as the yard owner didn't call vet even when it was bought to her attention. The yard owner assured me she would keep an eye on her and make sure she was OK - not true as it turned out.
Now I did visit and initially it seemed ok - it wasn't apparent that anything was amis other than a bit of weight loss, but they took that on board and addressed it. She was always in when I came in the first few months and I was told that she had only just come in. No sign of the loanee but I thought she was coming up later and that was what I was led to beleive. When the horse was turned out she was put into a field that was not what I had been shown. It was not that safe and over crowded. These last two injuries occurred in the last 6 - 8 weeks of being there. Only then did I notice tack had not been cleaned in six months and lots of bits missing. Because Two girls told me that the loanee had not been up in months! It makes no sense! why don't they just say and you can take them back before they suffer.
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That's shocking behaviour from all concerned and if money was no object then it would worth your while to get a specialist equine lawyer to take not only the loanee but also the yard owner through the wringer! I must say if it were me I would have no hesitation in doing so.
 
I think taking a civil action against her would be expensive. If you have a loan agreement which states she is responsible for her care I would take photo's, statements from anyone who will give them saying that she did not look after her and keep all your vets bills and take her to the Small claims court for costs.
If this person is well known in the local area I would also be tempted to post the pictures on Facebook. This may not get you any redress but it may stop her from getting another oneand make you feel a bit better.
 
honetpot said:
I think taking a civil action against her would be expensive. If you have a loan agreement which states she is responsible for her care I would take photo's, statements from anyone who will give them saying that she did not look after her and keep all your vets bills and take her to the Small claims court for costs.
If this person is well known in the local area I would also be tempted to post the pictures on Facebook. This may not get you any redress but it may stop her from getting another oneand make you feel a bit better.
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Thank you so much - will take your advice.
 
I agree with all those saying going to law is useless. A couple of suggestions: write a very stiff, formal letter to loanee to state that you intend to take her to court unless she pays you xxx for failure to get horse treated, and have some basis in fact on this - she may then pay you something. You can yourself for free lodge a legal action against her, which might affect her ability to borrow money, etc. If she is young and stupid she won't care, but worth a try.

For the yard owner, her yard may need to be licensed by local authority in which case you can make a complaint against her - also via small business complaints board - most local authorities have these. Also write a stiff letter to her stating you are doing this, why and what remedy ( I suggest money as she is partially responsible) that you want from her. She may not like the idea of a formal complaint lodged against her, and it is possible local authority might investigate her.

All this is free, DIY stuff, you might get some money and at least have the satisfaction of unsettling YO & loanee. The threat of a lawsuit can really freak them out.
I am very sorry for your horse and wish you the best of luck.
 
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