Horse loan-am I in the wrong?

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22 August 2013
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Last year I put a horse out on full loan for 6 months, horse stayed at yard, conditions of loan were that horse continued with regular farrier and regular diet and not be ranted about. Loaner could only come up once a day and often was away for work and socially so I covered those times, especially in winter.

In that time loaner constantly moaned about cost of farrier and feed, accused me of over-feeding horse and making it hot (horse was on same diet as always Fast Fibre, TopSpec Balancer and chaff) in the end I conceded and took out the balancer and at one stage horse went to 7 week shoeing cycle and is now in remedial shoes as a result. People told me that they spent a lot of time racing horse with their stupid clueless mate across stubble fields but loaner denied it and I gave them the benefit of doubt.

After 6 months we reverted to a part loan, this pleased the loaner, this has been going on for about 8 months now. Horse was much hotter to ride than had been, unlevel in school, rushing at jumps, uncontrollable at competions where previously it had been excellent. Granted, horse has always been excitable out hacking in fast company but had gone from bouncy to well beyond that and was getting steadily worse

Anyway, long story short, horse was bought as a confidence giver but no longer is, offered to sell to loaner as I was told by many at the yard how they love horse and how great team they were blah blah. Loaner told me they didn't really want to buy horse at this time in their life, would like to carry on as is. However, they told everyone else that I had withdrawn the offer after less than 24 hours. This is really not true but explains why I've been getting the cold shoulder at the yard.

So, decided to make a go of it, get everything checked and I implemented a "walk only" hacking regime to try and calm horse down, loaner not happy but complied. I also had teeth and back checked, back was well out and required work, horse is to be walked in hand and lunged for next couple of weeks. Loaner is not happy at all. Loaner is apparently telling people that all this is because we are afraid of riding the horse.

To my face loaner has said that I do not have best interests of horse at heart, I guess because I apparently withdrew the offer of sale, which I did not, I have a Facebook message conversation to prove it, and that they don't understand why horse can't be ridden as is not lame.

I am actually about done being criticised by this person, I have been polite at all times, I have had to bite my tongue at their constant moaning, and smile when others tell me how great loaner is. I have done what I can to support them, I do most of the chores, I have always paid the insurance and vet bills, I organise farrier (who hates them) I have allowed them to take horse out to clinics and comps even when we can't be there and are not invited ourselves and then when we take horse it is truly awful, it has broken my heart.

I am sick of everyone thinking loaner is wonderful and we are horrible. The way I see it is I bought a confidence giving horse, it no longer is, I am not saying its the loaner's sole fault, but its like they don't see how they have any contribution to the problem at all. It's my fault for how I've fed horse, or just how horse is because of their breed, or because they are a superior rider, which may be true, but is not the point.

Loaner tells me they are not short of other horses to ride, I am sure they are not, but I wonder how those owners would feel if their horse was completely blown up as it appears mine has been, I bet none of them would try and work round the problem to the extent that I have.

Obviously, I have only told you my side, I am not saying I am perfect, far from it, but the loaner is not perfect either, and I just wanted to have a rant. I know loaner loves horse, that's great, but I think next time they have a go at me in front of their buddies I am going to tell them that they need to take some responsibility for horse's behaviour too, and if what I am proposing is no fun and they think I am not acting in horse's best interest or doing it out of fear, then maybe they need to re-think having the horse on loan, or straight up buy horse and all the problems they have helped create.
 
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Just tell them you dont want to loan any more.

Im not taking sides as it is irrelevant. If ou don't think they are making your life easier or more enjoyable then cut them loose
 
It may come to that, but it's not so easy, the loaner loves the horse and is having a hard time in their life,we get along fine as people, leaving horses aside, it is almost easier to sell the horse to them (if they would buy it) They may well quit the loan themselves, told me they were thinking things through as this was not how they expected things to go.

I've just been bottling all this up for so long I had to let it spill out somewhere and think about what to do next
 
I cant understand why you are still continuing with the loaner, For goodness sake get rid of her, sort YOUR horse out and find a decent loaner or sell this poor horse to someone decent!
 
The loaner sounds like they are a cheapskate, full of bull****, don't care about your horse's welfare and have basically ruined its schooling. They may well be a better rider than you, it doesn't mean they've actually been using those skills with your horse! Sounds like all they've done is charge about and caused veterinary issues that you've been left to pay for. Now they're trying to intimidate you by telling you they've got lots of other horses they could ride and basically making out they're doing you a favour by loaning your horse. I'd tell them to get lost and I wouldn't waste my breath trying to explain to them why.
 
If you stop the loan you could have the horse reschooled. You own the horse, no-one can force you to continue the loan if you decide that you want to end it. Sod easy - do what's best for the horse and as the horse's behaviour has worsened, this is obviously not what is happening now.
 
I think possibly they're braver, not technically better, as they don't like schooling, well only at clinics.
This is very helpful for me in making up my mind about what to do. You may have guessed I am using a false account as I didn't want anyone to identify the horse, especially if I do decide to sell the horse on the open market, as it is generally a good egg.
 
Georgy_Gal, I know in my heart that is what I need to do. I just needed other people (who don't think loaner is marvellous and we are rubbish) to help me make my mind up.
 
I understand, seriously re-read your first post and try and look at it from an outside perspective, it really doesn't look good does it. Goodluck x
 
You own the horse, do what is in the horses best interest (selling horse to loaner doesn't sound like it's in the horses best interest) I should think if you took back full control of your horse, get its back issues sorted and carry on with the walk only hacking for a while along with lessons and schooling, you'll soon get your confidence giving horse back
 
You could even consider moving yards for a clean start then nobody will know your loaner (personally I try hard not to care what other people think - but I do appreciate you've got to have skin as thick as a rhino for that to work!!)
 
You own the horse, do what is in the horses best interest (selling horse to loaner doesn't sound like it's in the horses best interest) I should think if you took back full control of your horse, get its back issues sorted and carry on with the walk only hacking for a while along with lessons and schooling, you'll soon get your confidence giving horse back

This.
End the loan and work with an appropiate instructor/trainer to sort the issues out. At least then you will have a better chance of selling him if thats what you decide x
 
Totally agree with what everyone elase has said
End loan as it is clearly not suiting you and the horse does not sound like it comes first in the loaners eyes
 
Personally I would say you are ending the loan because the horse can only be led out/ridden in walk and you dont think its fair to take your friends money of this especially as she has so many other horses she could be spending her time riding - say she is more than welcome to groom or muck out your horse if she really loves it that much. She cant possibly you are being unfair - and make sure you say it in front of the biggest yard gossips.
 
I have not (deliberately) read anyone else's responses yet. So my gut feelings are as follows:-

1/ who's horse is it, basically!!! Yours - and you have the perfect right to end the "loan" at any time.

2/ normally with a loan the borrower pays for the shoes, and/or there's some arrangement made with the owner (in writing, in the contract)

3/ basically owner is a numpty rider and has thoroughly spoiled your horse to the extent that you may need to do some remedial schooling with it

4/ she had the chance to buy it and faffed around - her problem not yours

Now to boot she's badmouthing you to the extent that you feel unwelcome on the yard.

I think OP you have been more than generous, and forbearing to a fault.

It's high time that you took the offensive and ended this unsatisfactory loan ASAP if not sooner.

Get your horse back at the very earliest opportunity; give it the remedial schooling required and/or send it to someone to do it for you, and then look around for someone else who will appreciate the chance to have a horse rather than this ungrateful little madam.

PS I've loaned a horse in the past and whilst not had the situation you've had OP, I'd never do it again. The only loan I'd consider is to an equestrian college - which worked well for my boy when I did it.
 
i had a part loaner who 'loved' my horse....her father even offered to buy the horse off us for an 'offer we couldnt refuse' (we didnt even ask how much (we think regions of £10,000)...he wasnt for sale)

however said loaner almost destroyed my horse to the point of being pts.....only 2 years later are we 'back on track'.

i go with what everyone else has said
1. end loan...your horse your rules
sounds like your horse is very upset, youre upset, and none of you are enjoying yourselves
2. move yards...somewhere which will give you the help to make the horse a confidence giver again
3. ignore loaner.....dont care about her problems...theyre hers and you have your own
4. ignore gossip...you offered to sell, she didnt take chance to buy, her problems
let everyone else think you keep a dragoned locked in your loft if that is what they want to think.....people live on gossip....they just love it!!!!

head up and change your enviroment so you can enjoy YOUR horse!
 
Personally I would say you are ending the loan because the horse can only be led out/ridden in walk and you dont think its fair to take your friends money of this especially as she has so many other horses she could be spending her time riding - say she is more than welcome to groom or muck out your horse if she really loves it that much. She cant possibly you are being unfair - and make sure you say it in front of the biggest yard gossips.

Brilliant answer to the problem!
 
Personally I would say you are ending the loan because the horse can only be led out/ridden in walk and you dont think its fair to take your friends money of this especially as she has so many other horses she could be spending her time riding - say she is more than welcome to groom or muck out your horse if she really loves it that much. She cant possibly you are being unfair - and make sure you say it in front of the biggest yard gossips.

This!
 
Agree entirely with Jods.

And if she was such a good friend (horses aside) she wouldn't be bad-mouthing you to anyone, so I'd be reassessing the whole friendship thing.
 
Sounds like these people are making you miserable. Isnt the whole point of having a sharer to take some of the responsibility to make your life easier time or financial-wise?

Your horse is your hobby, enjoy it. However, if she has turned your safe sane balanced horse into something less well-behaved, it sounds like shes progressively ruining the horse. If thats the case, why would you even consider selling to her?
 
Not read all the replies, but stop the loan. Telling you you don't have the horses best interest at heart is not on. You own horsey, not her and you can give her her marching orders. I know you said she's having a tough time but she's not being supportive of your care regime of horsey and she's making things awkward at the yard. Completely out of order IMO
 
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