Loan home trouble - LONG

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I cant tell you why my bank wont let me have an overdraft - they just wont. Im not in any debt at all. Ive tried on numerous occassions for them to and they always refuse me.

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Oh, I'd be moving banks then PDQ. All of them are bending over backwards to allow us good old folk to go in to debt.

What bank are you with and what kind of account do you have??? Are you a British Citizen??
 
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Presumably they paid for the transport cost to their place - are you paying for him to be collected?

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They have their own trailer etc it was part of the agreement that he would be collected and delivered, although if there would be any problem I could arrange a friend to collect him. They are happy to deliever him though.

They know I am happy to pay the money they have spent - hopefully leaving his saddle or something will help make them see Im not fleecing them.

Someone suggested flowers/wine - i do wonder wether Id get a smack in the chops for my trouble
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lol so maybe I can leave this til I give them the money.
 
Do you have a credit card? Just withdraw some cash off that, do you not have a partner or close friend that would tide you over?
 
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Oh, I'd be moving banks then PDQ. All of them are bending over backwards to allow us good old folk to go in to debt.

What bank are you with and what kind of account do you have??? Are you a British Citizen??

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Its probably because Ive gone like 1.20p into my overdraft lol - mind you my uncle who used to be a financial advisor said it has more to do with how much money comes in - how much money goes out - how you manage your account. I tried moving banks - the new banks said they wont give me and OD until Ive been there 3 months.....
And yes I am a british citizen lol
 
B+J - my friends are unemployed lol poor things and the only person is my BF and he 100% thinks i should not give it to them....so he might not be the best person to ask. He's not horsey and doesnt really comprehend all this, he equated it to:
If I rented a car and decided to put a spoiler and new tyres on it, then the garage wanted it back, they wouldnt be paying me back for things I did that they didnt ask me to do...
 
And indeed, if they had bought him rugs and bridles, you would not be expected to pay. However, to maintain the "vehicle" it needs servicing, and they have paid for servicing, but will not get the benefit as the "vehicle" is to be returned!
 
QR. Well you did say you and your boyfriend are in bits about the situation, so presumably he has some understanding of what you're going through.

If he has the money, I would ask him for it.

If not - well you're buggered..................
 
I would want to bring the horse back asap too. Again I cannot understand why they had dental work done. I would accept post dated chqs, Have you offered that to them? I wouldnt leave your saddle with them. Can you speak to your new boss? Maybe they would sub you. Can your BF get a sub? or borrow from a mate. I would get the horse back asap and pay them money for the shoes.
Hope you get it resolved soon.
 
I've been on the other side of the fence with this. I had a pony on loan for the summer who I adored and they called a month later and said they wanted him back.

Personally think that you should atleast pay half of his costs as it's your decision to take him back.

I also don't think that you can call them then expect him to come back on your terms really......
 
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If I rented a car and decided to put a spoiler and new tyres on it, then the garage wanted it back, they wouldnt be paying me back for things I did that they didnt ask me to do...

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But that would be something that YOU wanted on the car, that is not maintenance!!! If the car broke down or needed new brakes pads etc you would expect the rental company to pay. Its the same with Murphy, the new shoes and teeth were maintenance issues not something they did for the sake of it.
 
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If not - well you're buggered..................

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Quite colourfully put AmyMay lol I would rather not be buggered by anyone.
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I understand the servicing thing - just he doesnt, he wants to go get Murph and bang his chest likea gorilla - which is sweet but not useful. I guess I can work him round to it, but I wont be sure til he gets home...
 
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I understand the servicing thing - just he doesnt, he wants to go get Murph and bang his chest likea gorilla - which is sweet but not useful. I guess I can work him round to it, but I wont be sure til he gets home...

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Hmm - maybe best that you sort it out without him!!!
 
Maybe we can reach an agreement...I might be able to cover half the costs, so I can offer them that - if they are happy to take that. After all i wouldnt have been putting shoes on him myself, and even if I had it would have only been the two fronts, which costs me 25, so maybe they'll be happy with that.
 
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I guess I can work him round to it, but I wont be sure til he gets home...


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Why should you 'work him around?' You need the money, he should trust your judgement on this. He may not agree with you - but that doesn't mean that he shouldn't lend you the money in this instance.

wanders off scratching head................/
 
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Maybe we can reach an agreement...I might be able to cover half the costs, so I can offer them that - if they are happy to take that. After all i wouldnt have been putting shoes on him myself, and even if I had it would have only been the two fronts, which costs me 25, so maybe they'll be happy with that.

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I'm not being rude but even if they had put 4 shoes on him when you would of only put 2 on, dont you think they have spent enough money and petrol collecting and deliverying him through no fault of their own??

I do understand how you feel and that you want your boy back now your circumstances have changed but you have to think how these poor people feel. His teeth and shoes did NEED to be done after all so its not like they did it for the sake of it.

If he were mine i would be grateful that they had it done rather than just leave him to suffer incase he did go back at the end of the month like so many people would of done.

I perosnally would be arranging transport to collect him myself and would be bending over backwards to get the money.
 
Me and a friend moved to a livery yard once (three horses between us) and found very quickly it was not for us because the regime just did not suit our horses and things promised did not appear quite in the way they had been promised.

We gave notice and explained that the place was fantastic but it just didnt suit out horses. We gave a months notice but assured the YO that if he found replacement liveries we would go straight away to free up the stables. We tried to be as accomodating as possible, however he was completely pissed of and the remainder of our stay was not pleasant (he was not nasty but 'official')

We didnt have any other option but to go and just had to accept the fact that he would never understand and remain pissed off.

Its pretty much the same with you - you have to do the decent thing but expect that even having done all that they will probably remain unhappy. Thats just life I'm afraid.
 
firstly - yay that you can have your boy back - im really pleased for you!

BUT - IMHO i can sort of understand why they are miffed, i know you had the contract and everything but viewed from their posision its a big kick in the ba**s.

I presume they had feet, teeth etc done as a matter of course when he arrived (thinking he would be with them for a while) and are now cross that they have shelled out only to find hes going back. i would return him ASAP too as there is no point in them keeping him and getting attached etc when hes not staying.

if i was you i would give them time to cool down and very very diplomatically try to work out what costs you are liable for (ie did he NEED his teeth done? if not then it was their call and their expense)

im really sorry its a bit of a nightmare for you but personally i would beg borrow or steal the money to pay them when they return him, from their point of view they are probably gutted and just want the whole thing over with.

sorry thats not much help
 
Of course I feel bad for them - but if we're splitting hairs, then it states clearly in the contract, regardless of term, that they are soley responsible for attending to and paying for his shoes. Fact is, I dont want to split hairs. They want money from me. I dont have it. Why not sit down and really look at it and see the most I can pay and the reasons for it. And thats about half what they are asking.

Thats the best I could do for them at the moment. They walked into the situation with their eyes wide open, they were never lied to or duped. The loan term has ended up being shorter than we BOTH expected, and thats unfortunate. Dont you think I spent a lot of time and heartache giving him away to someone which i would have much rather have saved MYSELF (had I known Id get a job so soon) There is no miracle cure for whats happening - only I can try to be as helpful as I can and say Ok i'll pay. If you demand money now it'll have to be half. If you wait, i'll pay the full ammount.
 
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Of course I feel bad for them - but if we're splitting hairs, then it states clearly in the contract, regardless of term, that they are soley responsible for attending to and paying for his shoes. Fact is, I dont want to split hairs. They want money from me. I dont have it. Why not sit down and really look at it and see the most I can pay and the reasons for it. And thats about half what they are asking.

Thats the best I could do for them at the moment. They walked into the situation with their eyes wide open, they were never lied to or duped. The loan term has ended up being shorter than we BOTH expected, and thats unfortunate. Dont you think I spent a lot of time and heartache giving him away to someone which i would have much rather have saved MYSELF (had I known Id get a job so soon) There is no miracle cure for whats happening - only I can try to be as helpful as I can and say Ok i'll pay. If you demand money now it'll have to be half. If you wait, i'll pay the full ammount.

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This is by no means a dig, so don't take it like that, but how come you can't afford to pay them all/half but you can afford pony back? x
 
Immagine yourself in their shoes - You can understand why they'd be upset.

I'd pay them for shoes, teeth ect, collect him yourself, and make one BIG apology. I find it odd that £100 is so hard to come across - What if he, I don't know, tore a rug or damaged something, or you needed to move him, and had to pay for transport. It's just that, in the long run, £100 isn't really that much, and if I was the Loanee, I'd definately expect it paid straight a way.
 
Well Ive just read all the thread and first fo all, its wonderful you can have him back.

I wont repeat what has already been said but I know if it was me who had had Murphy on loan and after a few weeks this happened, I would be feeling pretty miffed and upset too.


I REALLY dont think you have anything to worry about welfare wise, they have forked out for a full set of shoes and his teeth doing in 2 weeks, so I very much doubt you have anything to worry about on that score.
Of course they are going to be upset and they wouldnt have taken him on loan in the first place unless they were truly under the impression that they WOULD be able to buy/loan him at the end of the first month.


No one would take a horse for a month if they REALLY thought he could be going back home, all that expense, getting attached, only to find him taken away.
They have clearly done the best by him, and because of this I would be giving them ALL their costs back, along with an apology.

I just cant believe you said you are worried they may do something to him basically, how could you loan him to someone who you thought may be capable of this?

I also think you should have delayed telling them about having him back until the end of the month, afterall Im assuming you havent started this new job yet, or you will have a probation period etc?

Also are you sure you dont have to work a week/month in hand?

Im just thinking as someone else said, what if you find yourself in a similar situation again?
 
having read all of this and reading the OP's replys i think the best situation would be a post dated cheque and as other have suggested a big big appology. thats what i would do anyway.

i also think this (and no offence is meant to the OP) highlights that while it is widley broadcast that people loaning out horses get duped/swindled etc and that there are horror stories, it can be just as devasating and awful for those loaning a horses when things go wrong or situations change.
 
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Murphy's feed/hay/livery is all paid for you see. So having him back will cost me nothing.

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So why did you have to loan him in the first place???
 
so you love your horse .your job situation is sorted.if they didnot like him they were entitled to bring him back to you and say no thankyou.this loan period was agreed by both partys.dont feel bad forget the teeth and shoes and they will maybe learn from this as well
 
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dont feel bad forget the teeth and shoes and they will maybe learn from this as wel

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What exactly should they learn from this experience - don't have a horse on loan because it really isn't worth the effort or expense??????

This situation is precisely why people don't and won't loan.........
 
Sorry that you have had this problem, and perhaps I can make a few points.
1. The people you have lent him to seem genuine, kind people - they have got his teeth done, and ensured that he is well shod. They are hurt because they wanted him, but now are keen to return him so they don't become more fond of a horse they can't have. I am sure you can understand that.
2. Given that you have decided to have him back, I think you should pay the teeth and shoeing costs, and take him back as soon as you can. It's unreasonable to expect them to continue with the loan agreement now.
3. If you can't pay them now, explain that and give them a postdated cheque when they return him. Make sure it won't bounce as the horsey world is a small place and you don't want a bad reputation. Buy them a card, thanking them for their care of him, and a little present, like a bottle of wine, when the horse changes hands back to you.
If you can do this, it will make the best of a potentially bad situation, and you will have behaved well.
Hope this helps.
S
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Murphy's feed/hay/livery is all paid for you see. So having him back will cost me nothing.

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So why did you have to loan him in the first place???

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My thoughts exactly, sorry WR!

I have to say I have every sympathy for the loaners; to a certain degree they have been pis**d on from a great height and I feel they have every right to any costs incurred by them to be refunded. I can understand that the news he was going back came as a bombshell to them and can imagine them festering too which is why they are digging their heels in; I don't blame them.

For goodness sake and honour, get them the money together asap. If that means taking barwork for a week or even selling your body for one night, then so what; get the money for them somehow and fetch him back but don't whinge, they are the ones that should be whingeing if anyone is.
 
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