horse on loan

[margiegran]

my sister and myself bought a horse on loan for one month- this is up 11/3/2012. we have rang the owner to tell her the horse is not suitable for us. we have paid people to ride her for us, even a female jockey who have all told us we are not experienced enough for this horse. she is in a lovely livery we have had her shoed. the problem is the owner is not answering our calls or texts. we had one text last night telling us she is sorting it. any advice most welcome, we know we have been naive and trusting .

 

[Littlelegs]

Don't like to make assumptions but if the horse is so clearly unsuitable for you she doesn't sound a very pleasant person to have loaned it to you in the first place. Then again, she may have been under the impression you were suited & is making arrangements to bring the horse home. If you heard from her last night I'd leave it a few days then get your yard owner or someone else experienced to speak to her on your behalf.

 

[margiegran]

hi thanks for you reply. the lady knew we had only been riding for 18months after a forty year gap!! we are both in our fifties, on the day we went to pay for her my sister did have doubts, but no I had to persuade her otherwise- big mistake.
so she knew we were relatively inexperienced, and she was so insistent she would collect her asap. we even had things in common, she has children with special needs, I have two adult sons, one severly disabled, the other with learning difficulties

 

[Black_Horse_White]

In your first post you say the horse is on loan, in your reply you say you went to pay for her, so have you actually paid to have the horse on loan?

 

[margiegran]

hi yes we paid the $1000 she was asking, I know what a mistake, we do have it in writing the phone numbers are correct but address is not. we have been advised if we do not hear from her by sunday,we should put the horse in auction, which we loath to do.

 

[Paris1]

I don't understand. You paid 1k to have a horse on loan. Now you can't contact the owner to return the horse as it is unsuitable?

Either the owner really didn't want the horse back or the horse wasn't hers to begin with. Sounds very fishy. Never heard of such a large sum changing hands for a loan.

 

[Miss L Toe]

I don't know who advised you to put a horse you don't seem to own in to an auction, that is bizarre, not to say illegal.
Why did you pay anything, and in $$$?
Makes no sense at all.

 

[Black_Horse_White]

Was it maybe a loan with view to buy after a months trial? And you have paid a deposit? If so you should be able to return the horse
But it's doubtful you will get any money back. I have a horse on a 3 month trial now I didn't pay his owner anything until I was sure he was the right horse for me. I have now paid a deposit subject to vetting. Like someone else has said something about this 'loan' doesn't seem right.

 

[Herts05]

Dare I ask if you were given a passport for the horse? Does it have a microchip? If so then there is a chance that the rightful owner can be traced if, as intimated in a previous post, the horse did not belong to the person from whom it was "loaned"

Also, how did you hear of the horse? Was there an advert and do you still have a copy of it?
You may need it if you want to take this further officially. So sorry that you have had this experience.

 

[Paris1]

Also have you been back to the address you picked the horse up from? Someone must k ow something!

 

[margiegran]

meant £, tilly is a lovely horse that price was with all her tac including blankets, when
we went to pay for her my sister had her doubts, the owner helen said if we buy her and
said if we found her to much she would pick her up the next day,we asked her to put that in writing for 1 months loan, well she is too much and helen wont answer our calls, the month is up on the 11\3 and we do not know what to do. had loads of advice
people saying sell her after the 11th. ps shes freeze marked and im driving to the stable where we went to see her, this lady helen showed up with her elderly father in tow.I know we have been foolish parting with money, too trusting.

 

[Irishbabygirl]

So when you say "loan" do you mean trial? Was the horse advertised for sale for 1k and you took it for a 1 month trial and made the mistake of buying the horse before the trial? Sorry, its a bit confusing!

 

[starryeyed]

^ exactly what I was going to post, i'm a bit lost too sorry!
Was it a months test to see how you got on together (but you paid a deposit on her?) - or have you paid for her in full, with the agreement to send her back/get a refund if she wasn't suitable? Or something completely different? All sounds very strange. I wouldn't sell her on unless she's 100% yours to sell, if she's on loan then she doesn't belong to you and in that case it's obviously a very bad idea to sell on someone elses horse!

 

[Miss L Toe]

meant £, tilly is a lovely horse that price was with all her tac including blankets, when
we went to pay for her my sister had her doubts, the owner helen said if we buy her and
said if we found her to much she would pick her up the next day,we asked her to put that in writing for 1 months loan, well she is too much and helen wont answer our calls, the month is up on the 11\3 and we do not know what to do. had loads of advice
people saying sell her after the 11th.

I suspect the person is a trader in horses, sounds too "clever",for a normal person.
Do you have a receipt for your £1000, what does it say?
Do you have a passport, it is illegal to travel a horse without a passport, it is also illegal to sell a horse without a passport. What details are on the passport?
If no passport, stick to your guns, you paid upfront but the horse was on trial, and you want the money back as you have not bought it.
It came on trial, and you reject the horse, it is not as described and you want your money back.
Do you have her name and her address, are there other adverts in her name?
How did the horse get from her place to your place?
There is information to be gathered: Google the telephone number and see if there are any results,how did you hear of this person. was it an advert? Where does she operate from?
Sorry, but no one will buy a horse from you when there is doubt as to ownership.
IF you happen to find someone willing to buy her, contact Helen and tell her!
Currently you need to keep the cost of the horse to a minimum.
It sounds as though she is going to take your money and try to disappear, do not allow her to do this............. contact Trading Standards and make a formal complaint.
You can send a recorded delivery letter stating the trial has ended, you have had difficulty contacting her, but the horse is on livery and all costs of livery, vet fees etcetera will be included in Debt Recovery Costs for which she alone is liable.
You have a credible witness to the transaction, your sister, that is very much in you favour.

 

[Honey08]

If she replied to you last night saying that she was sorting things out, and you know that she has disabled children, could it be that she is trying to sort out stabling etc? I would be inclined to give her a couple of days before getting too worried.

 

[Littlelegs]

Sounds to me as though you've bought her & owner just said that for a quick sale. Usual trial is either free or with a deposit. From what you've said it sounds like you now own the horse. Assuming you have the passport I'd check her freezemark & passport match & check with the issuers she hasn't been stolen, & that the previous owners details match the ones you have. If everything matches up, its then up to you to sell her if you so wish. You mentioned you are on a good livery yard, I'd ask for the help of the owner/ manager. Good luck & sorry your first encounter with the horse world has been negative, next time I'd urge you to take a qualified instructor with you, hope you get sorted.

 

[kateo]

my sister and myself bought a horse on loan for one month- this is up 11/3/2012. we have rang the owner to tell her the horse is not suitable for us. we have paid people to ride her for us, even a female jockey who have all told us we are not experienced enough for this horse. she is in a lovely livery we have had her shoed. the problem is the owner is not answering our calls or texts. we had one text last night telling us she is sorting it. any advice most welcome, we know we have been naive and trusting .

could it be that she is trying to sort it out but needs a bit more time? how long has it been since you first told her that she wasn't suitable?

 

[Irishbabygirl]

Was the horse advertised for sale for 1k?

 

[margiegran]

So when you say "loan" do you mean trial? Was the horse advertised for sale for 1k and you took it for a 1 month trial and made the mistake of buying the horse before the trial? Sorry, its a bit confusing!

hi sorry to confuse you all, confused myself. we have bought her, I keep calling it a loan, NO, we have bought her, but because my sister was unsure the owner said we can ring her anytime and we can have our money back. we asked for that in writing and we said we will let her know.we have rung her loads of times text her loads of times and she is not replying. so i suppose the outcome of all this is, we have a horse that is not suitable for us and helen had no intentions of honouring the agreement.

 

[margiegran]

Was the horse advertised for sale for 1k?

hi yes she was advertised for 1k with all her tack

 

[margiegran]

thank you. we have involved trading standards, she did give us a false address, we did have a passport- you wont believe our bad luck- my sister broke her foot in work the day after tilly was delivered, then 2days later her car was stolen with the passport in the car. the thieves were involved in a high speed chase through liverpool, police wont release car yet, we have started the ball rolling, we just cant understand how people can treat there animals in such a ruthless manner,

 

[margiegran]

we understand that I have disabled sons myself, its just the lack of communication, when we first showed interest we couldnt get her off the phone

 

[shelly19]

You cannot sell it if you do not have legal title to it.... so you must have ownership and the passport.
Sorry just read all the thread.... my advice would be to sell it on as honestly as possible. Wouldn't go through the court as misdescribed etc as I've done this in the past and even if you win it gives you no guarantee of your money back or finding a suitable home for the horse.

 

[Littlelegs]

Get the passport back, find your reciept/ proof of ownership & sell, unless as others have suggested you have proof she's a trader there is little you can do. Even then you would be unlikely to get anywhere without real contact details.

 

[Honey08]

To be honest, you were a bit naive to think that you would get a horse with tack and full wardrobe, suitable for novices, that you could return at any time for £1000... I would sell the horse honestly, as not a novice ride - you should recover your money..

 

[Paris1]

Could uyou maybe tell US a but about the horse.

 

[cally6008]

what is the freezemark number of your horse ?

 

[Lady La La]

The passport was stolen along with your car... High speed chase through liverpool....

Ok

 

[flying solo]

All seems far fetched to me, sorry OP

 

[Irishbabygirl]

If you can reclaim your passport once the Police have released your car, sell the horse. Don't bother with the old owner - you own the horse now. She won't want it back by the sounds of things.
Tell us about her - someone on here might be interested?