Horse loan gone terribly wrong

riderwithnohorse

riderwithnohorse

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Hello,
just a quick one to let you know about the bad experience i just went through. After having loaned out a beautiful 15 years old TB through the winter, the owner simply decided to take him out of the field he was in to have him handy so she could ride him with her daughter. I have been reeling from the episode and to add insult to injury, ended up paying for a solar panel and an energiser that were stolen from the field where I kept my boy (I didn't pick up the equipment since the owner, in my view, had broken the agreement and I didn't feel responsible for it). But since it was stolen and I reported it to the police, she had been sending me emails and texts demanding that I pay for the loss. None of it was even mentioned in the agreement but I just needed closure so I ended up paying half the price of new equipment.
 
Sorry, Im a little confused. have I got this correct:

You loaned a 15 yo TB over the winter period and without any notice, the owner came and removed the horse placing him somewhere closer to her. Then because the field was empty, the equipment was stolen and she blames you for it so you paid half to keep the peace?


Did you have a contract with the owner? How long was your loan for?
I don't think theres a lot you can do about it tbh, but i wouldn't have paid a penny for the lost stuff if she removed the horse without your knowledge. However if shes that inconsiderate and abusive, perhaps you're best not loaning off her
 
Sorry guys; yeah he was on full loan. At first it was going to be one whole year from last October but she changed her mind and asked to do six months to be renewed in April. Russianhorse is quite right but she has been "at me" everyday. I just needed to stop all relationship right there and now. You know, I went back to see my boy in his new field two days ago; I cried, silly isn't it? I'm going to miss him. Gave me a proper nudge and a kiss too. Geez I hope she looks after him because he was in a sorry state when I first got him. He hadn't seen either vet or dentist in over five years...
 
Sadly I think they were just looking for someone to take care of him over the winter. It happens I'm afraid - I have a friend who loaned out her horse on a one year loan last April only to have him returned to her with only 48 hours notice when the weather started to turn bad in October - the loanee was just interested in having a horse in good weather on 24 hour turnout. Funnily enough the loanee has now tried to loan another horse off another friend - and Oh look - its summer again....... Needless to say the word has gone out
 
Im sorry for what happened, from what you have said, although she by right the horses owner she should have given you some notice. Just down right rude and heartless.

Loan's are funny things, they can be wonderful things but some just dont work.. My experience left me rather scarred as I loaned my mare out, after about a year I said that I may perhaps sell her to the person. I then, as my right, said no, Id rather not sell, you can keep the loan running as before as long as you like, she was on loan as broodmare, so they would inevitable getting a horse from me at the end of it and they could keep her for as long as it would take to get her covered.

I then got emails telling me how much they loved her and how if they couldnt buy her they would send her back... loved her loads huh? So really they had me in a corner, they knew I was in no place to take her back, the loan hadnt changed at all, so I had no decision but to sell her. TOTALLY DEVASTATED by the whole thing, I had been looking forward to her return in a few years so so much as I had got her so far and worked with her so much (even the though the loaner said she had got her to do all the things I had done.. :()

It makes me so upset to lose her so OP although Im the other side of the agreement to you I totally understand how you feel. You have my total sympathies.. xxx
 
diluteherd said:
Im sorry for what happened, from what you have said, although she by right the horses owner she should have given you some notice. Just down right rude and heartless.

Loan's are funny things, they can be wonderful things but some just dont work.. My experience left me rather scarred as I loaned my mare out, after about a year I said that I may perhaps sell her to the person. I then, as my right, said no, Id rather not sell, you can keep the loan running as before as long as you like, she was on loan as broodmare, so they would inevitable getting a horse from me at the end of it and they could keep her for as long as it would take to get her covered.

I then got emails telling me how much they loved her and how if they couldnt buy her they would send her back... loved her loads huh? So really they had me in a corner, they knew I was in no place to take her back, the loan hadnt changed at all, so I had no decision but to sell her. TOTALLY DEVASTATED by the whole thing, I had been looking forward to her return in a few years so so much as I had got her so far and worked with her so much (even the though the loaner said she had got her to do all the things I had done.. :()

It makes me so upset to lose her so OP although Im the other side of the agreement to you I totally understand how you feel. You have my total sympathies.. xxx
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I do feel for you in this situation but in fairness but as much as it is your right to choose not to sell to them, they were also within their rights to terminate the loan...
 
didn't you have the passport?
my understanding is that whoever has the horse should have the passport (otherwise you can't legally travel them, or indeed get some vet treatments)

(i know there are ways round getting new or 'replacement' ones)
 
Taffyhorse said:
I do feel for you in this situation but in fairness but as much as it is your right to choose not to sell to them, they were also within their rights to terminate the loan...
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Oh I totally agree with you! They had complete rights to terminate the loan. The fact that got to me was that the loan was going perfectly, they had no reason to send her back and when I said Im sorry I dont want to sell I was bombarded by letters and emails saying how much they loved her etc.. and then when I said I really dont want to change my mind, but keep her breed from her for as long as you want, I just wanted to have her back at the end of the day to make sure her elder years are spent out in a big field, if she was still capable perhaps have a little sprog from her, they said the loan was terminated just didnt make sense, if you loved her so much why send her away? Then after saying I saw her as a baby maker and I possibly couldnt have time for all my horses - let me be the judge of that! They really really wound me up and annoyed me so I feel totally bitter about the whole situation.

To be honest if they werent as dozy as they seem they would have had a free horse for as long as they wanted instead of putting themselves in debt buying her. :rolleyes:
 
diluteherd said:
Im sorry for what happened, from what you have said, although she by right the horses owner she should have given you some notice. Just down right rude and heartless.

Loan's are funny things, they can be wonderful things but some just dont work.. My experience left me rather scarred as I loaned my mare out, after about a year I said that I may perhaps sell her to the person. I then, as my right, said no, Id rather not sell, you can keep the loan running as before as long as you like, she was on loan as broodmare, so they would inevitable getting a horse from me at the end of it and they could keep her for as long as it would take to get her covered.

I then got emails telling me how much they loved her and how if they couldnt buy her they would send her back... loved her loads huh? So really they had me in a corner, they knew I was in no place to take her back, the loan hadnt changed at all, so I had no decision but to sell her. TOTALLY DEVASTATED by the whole thing, I had been looking forward to her return in a few years so so much as I had got her so far and worked with her so much (even the though the loaner said she had got her to do all the things I had done.. :()

It makes me so upset to lose her so OP although Im the other side of the agreement to you I totally understand how you feel. You have my total sympathies.. xxx
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Your mistake here was suggesting that you would be willing to sell and then changing your mind. If you were looking forward to having her back, why did you suggest selling the mare to them?
I realise that you are were the owner and it is your right to do as you please with the horse but I can sympathise with the loaners who probably felt that they might be messed about for several years before the horse went back to you.

OP I'm afraid that you too have been messed about by the horse's owner. I wouldn't have paid her a penny for the fencing etc.
 
I know I shouldn't have paid but to be honest, it seemed like the quickest way to finish off this sad situation. I hope this serves as a good warning to others. I should've known it was going to go wrong the moment she changed her mind about loaning for six months instead of a year.
 
Pearlsasinger said:
Your mistake here was suggesting that you would be willing to sell and then changing your mind. If you were looking forward to having her back, why did you suggest selling the mare to them?
I realise that you are were the owner and it is your right to do as you please with the horse but I can sympathise with the loaners who probably felt that they might be messed about for several years before the horse went back to you.

OP I'm afraid that you too have been messed about by the horse's owner. I wouldn't have paid her a penny for the fencing etc.
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I hardly messed them around - it was never in solid stone I would sell her. It also really annoy's me that you suggest that I did mess them around. I had the horse's welfare at the forefront of my mind - hence why I loaned in the first place and didnt sell. The fact that nothing had changed except for the fact that I said I would rather have the rights to my horse. I think OP would back me up on this just because you dont own the horse doesnt mean your love for them should change - it just seems so superficial to me, and that is what upset me, because they couldnt own her they suddenly didnt want her??? THAT is why I am bitter and upset about selling and they terminated the loan early, they knew I had no ways or means of having her back and my hand was forced to sell her. It seems like under hand childs playground politics .
 
OP I'm baffled as to why the loaner thinks you should pay for her electric fencing equipment????

I can appreciate you don't want to fall out with her any more than you need to but methinks this is taking the P!$$ big-time?

Also I sense you are worried about your horse: if so I think you should trust your gut instincts and if you can, check up on the situation and if necessary remove your horse.

There's a whole lot of loan-gone-wrong stories on here unfortunately: I'd never ever do it again - I let my boy go out on loan and the girl that had him kept him at a riding stables. I thought everything was OK, then five weeks into the loan she suddenly realised she couldn't afford it anymore and was giving up the loan. Luckily I was in a situation where I could bring him back home to my yard, BUT what I didn't realise when I collected him was that the stupid numpty girl hadn't paid a PENNY for his upkeep in the whole time he'd been there!!! Which caused me considerable embarrassment with the YO.

I've got my trainer's mare on loan to me at the moment and its working out a treat: she trusts me with her mare and I love her to bits, and we both know that if there are any problems we can discuss/negotiate, so loans CAN and do work out OK.

But I think you need to know the person/people involved before you loan out a horse, and/or have a mutual contact, and even then it can go wrong, badly so.
 
Clannad48 said:
Sadly I think they were just looking for someone to take care of him over the winter. It happens I'm afraid - I have a friend who loaned out her horse on a one year loan last April only to have him returned to her with only 48 hours notice when the weather started to turn bad in October - the loanee was just interested in having a horse in good weather on 24 hour turnout. Funnily enough the loanee has now tried to loan another horse off another friend - and Oh look - its summer again....... Needless to say the word has gone out
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This has happened to me also when mine was on loan to someone at my own yard,the minute the weather turned they disappeared! I really do think this being one of the main reasons! Have had friends also that have had this problem,can't be doing with it anymore. Only person i can rely on is myself or pay someone from now on to either ride or help out!
 
OP you have my sympathies, it was totally unnecessary for the owner to come and get the horse without giving you due notice. Especially after you had looked after him through the winter.....some people are just total users. I would probably have done the same as you and paid the stupid woman off just to close off the whole horrible experience, in fact I have done very similar to you in the past. It probably really hurts now but in a few weeks you can just put it down to experience and move on....I find its best to stay independent if you can in the horseworld, saves a lot of heartache. I'm not saying there aren't nice people out there, there are lots but its so difficult sifting out the users and its so easy to get stung by them....good luck finding another horse to ride, hopefully you might be able to get one of your own or if not now I'm sure you will in time.
 
A big thank you to all of you who replied to my thread . I hope to find my dream horse soon. Till then, I'll keep on reading the news on the forums and will also remember the advice I got here. Take care all,
 
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