Loan home trouble - LONG

I have sat back and read this post and the replies, and in answer to your comment about being able to afford him now, I am not convinced you can.

I am sure your job has a probationary period? - you could lose it through no fault of your own? Wouldnt it have been better to extend the loan period to say 4 months while you got yourself financially set up rather than upset these people?

I know you want your boy back and we all understand that but I do feel you have acted a tad hastily and been unfair to these people.

If you cant afford the money now to pay for what needed doing then you could have at least extended the loan by a couple of months whilst you got yourself sorted.

I am not convinced that these people were aware you would be asking for your neddy back a month later because you had found a job, it doesnt ring true.

I am trying to loan freddie out at the moment and it is things like this that put people off, they hear all the horror stories.

I must admit I would be the same and wanted neddy back soon but would have waited a couple of months to make sure all my plans had come to fruition.

Dont get me wrong I am always skint! but I can always rustle up £100 from somewhere if desperately needed.
 
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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!



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Because its not just the horse I need money for is it? I have ahouse, a car,a job, the need for food for myself also.....
Basically I couldnt put petrol in my car or food in my mouth.

Have spoken to the loanees they will not accept a post-dated cheque...sighs...
 
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Have spoken to the loanees they will not accept a post-dated cheque...sighs...

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So you need to be prepared to pay them costs when you pick him up when you have the money together. I.e stabling, feed etc. That will probably work out at around £6.00 per day. So make sure you either get the £100 together quickly, or have enough money put aside for the extra.
 
I do not think that you are blameless.

If I was the person that loaned your horse then I would be very hurt as building up a relationship with a horse takes a long time and to have started along that road and then have it taken away within such a short period of time when the fault is not ones own is just not fair. They have done nothing wrong to the horse and have clearly had the horses interest at heart.

If your finances are in such a bad way then I think that you should let them (if they so wish) keep the horse for another two years until you have got your finances in order.

For all you know your new employers may not keep you on and you are back to square one.
 
The fact that you knew about the shoes and teeth in advance is enough to convince me that you should pay for them - had you said 'well why don't you wait until after the inital month' or something similar, then perhaps I could see it the other way.

I think that a) you should collect the horse, after all 160 miles with a trailer will cost them a fair amount b) you should raise the 100 pounds before collecting him - I would ask my boyfriendr a loan, regardless of what his personal opinion is - if you pay him back, what is the difference. If that really isn't an option I would use a credit card (you can get cash on them) or, whilst not ideal, I would go overdrawn on my account (as it would only be temporary) Use a cheque guarentee card so the cheque won't bounce on them ( don't add insult to injury) and the bank will be obliged to pay it. You'll get hit with an unauthorized overdraft fee, but bearing in mind it will take anywhere up to a week to write it, hand it over, them to cash it etc, it won't be for long. There are also places that do 'pay day' loans, exhorbitantly high, but again, for such a short time, it may be feasible. Other than that, get a job for a week - agencies usually pay the same week (some pay the same day) or sell something on ebay. I also know very few people who cannot exist on what they have in their cupboards for a week - ok, it may be an odd combination of meals, but there are a very small number of people who do not have a few cans of food in their cupboards (even if it is nasty spagetti hoops, or cream of mushroom soup) There really are a lot of ways to raise 100 pounds, they just aren't ideal, but you need to decide what is important to you.
 
I haven't read all the replies but if I was them this is what I would do:

The horse would have been returned to you ....like....yesterday! I would have been quite upset that I had be duped into this situation and I would most certainly demand whatever money I had spent out on the horse back.

Sorry but I think that is not a nice thing to do to anyone and I think when you go to collect the horse you should most certainly pay them what you owe at the point of collection.

Edited to say* I re-read your post and it says that they are the ones bringing him back...... well I would also be charging you for my petrol and time bringing the horse back to you........
 
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I do not think that you are blameless.


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What am I to blame for?
Putting the horse on loan when I couldnt keep him?
Getting made redundant?
Getting a new job quiker than I thought?
NOT duping the people by letting them know he would no longer be for sale at the end of the month?

The only thing I can be blamed for is not having the ready money to hand to pay them and for that I am sorry - because I would rather pay them and have my horse back where he belongs then have this malarky!
 
I haven't read all the replies, but I can see both sides to this. If you take a horse on loan it is tantamount to buying it, and you do not expect to have to give it back unless there are exceptional circumstances. You do hear of horror stories of horses being loaned out, the loaners lose their job and hand the horse back at nil notice; that sort of thing. However, as a loaner you expect to be broadly in control of the situation, and to invest emotionally and financially in the horse. From their perspective, it probably seems as if you have mucked them about, and if I was them I would make you collect the horse immediately rather than waiting for the month to elapse. Basically you have changed your mind for no reason to do with the horse; you are not unhappy with the loan home or his treatment, it is your circumstances that have changed. I am sure they won't mistreat him, but if you are worried then you really should get him back asap. They obviously care about him or they wouldn't have had his teeth checked. For what it is worth, you should definitely pay them for any costs incurred, and if you can't afford £100 perhaps you should consider leaving him where he is.

However, once you do get him back, this will all blow over and be forgotten. I would be tempted to write the loaners a nice letter or send them a card, just a small gesture of goodwill. Technically you have acted within the loan agreement, but as you say, it is unpleasant to hurt someone's feelings.
 
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Marsden they are loaning with view to buy if they dont want to keep him a month I doubt they'll want to keep him 4....

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But if they were loaning with view to buy was it not a bit unfair to loan in the first place if you had every intention of getting him as soon as you had a new job, as you in a previous post:

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I have found a prospective loan home for Murphy, who lives about 40 miles away in a lovely area of Wales.

She is a qualified AI with her own horses. Murphy will be for her husband to ride out with her, he's a pleasure rider. They will be loaning him for a month with a view to buy, which is great for me as if I get a new job - I could have him back in a month.

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Or was it written into the agreement that if you got a job you would have him straight back- in which case that is a bit different as they would have been prepared for that from the outset?

It's all a bit odd?
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What are you to blame for?
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nice people came along wanting to view with loan to buy sometime in the future. Perfect for me

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You knew exactly why they were looking for a horse....with a view to buy - you did dupe them in my opinion.

I'm sorry, but I am having a really hard time believing that anyone can find it hard to find a hundred pounds, and still own a horse. If I couldn't find a thousand pounds immediately in an emergency, then there is no way in hell that I would EVER contemplate having a horse.

It is nice that you are happy to have your horse back again - I think if it was me, this would give me a sharp knock of reality and I would be right on the phone to these people to say that the horse is probably in the best possible place and if they want to buy him, then they can.

This isn't about you - this is about the standard of care and the most stable home for the horse; from what I am reading, they can offer this, you sadly can't.
 
Having been on the receiving end of something similar......
I can say if I were the loanees i would be very cheesed off!
Effectively you have let them look after your horse while you sorted yourself out, and although your agreement stated you could have him back within a month, you have really made mugs out of them.

It's good you can now have him back, but you should give them the money immediately, although they can't force you to, it is goodwill.

You could always pawn jewellery if finding a hundred pounds is difficult, and you are desperate to get him back or have to because the loanees are sending him back (and quite rightly, why should they have a horse for a holiday?)

I know you would rather people agree with you, but frankly, it is hard to when you put yourself in their shoes.
And as a matter of course, when you get a new horse be it loan or sale, you do get them checked, teeth/shoes etc. Well, i do.

Sorry for being blunt. I hope you find a solution and get him home.
 
You are welcome to your opinion Tia. As I have stated my circumstances have now changed and it will no longer be hard for me to put my hands on money.

Lzt as I say it was made clear when they took the horse WHY they were taking him WHY he was for sale. We spoke when she tried him about it being good for both of us to re-assess the loan at the end of the month - she doesnt have the cash to buy him right away - this much I know, I was looking for work etc so it suited us both well enough - thats why there were the 3 clauses in the contract.
 
having re-read all of this post i have to agree with amymay and tia,

putting him out on loan with the possibility of having him back after a month was downrigh rude and i have no doute that the loanees did not realise the clause stating
'you would have him back' was in relation to you TAKING him back

(as someone who loans their horse, the month clause is for the loanee to return the horse if it proves unsuitable)

no one in their right minds would take a horse on loan if they though it would be for a month!!
if you were talking selling him i doute they expected a phone call 2 weeks down the line saying 'i'd like him back please'

its bad form and puts a bad light on loaning

that all said im still happy for you that you are now in a posision to have him back.
 
How are you going to afford your livery bill (aren't they paid in advance with a deposit etc) and the "running of a horse" if you don't have £100 in the kitty?

You really need to borrow the money and pay them back somehow. You can understand that, should the ball be on the other foot, you'd be wondering if they'd take the horse and disappear into the sunset.

I would think the only reason they're asking for the money back is because they had clearly assumed that Murphy was staying for keeps, should they get along well with him. Something I would assume they have.

I know you were having difficulties, but maybe you loaned him out too hastily. Always easy to say that with hindsight.

Good luck, I hope it resolves itself swiftly and amicably.
 
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If you dont have the money to pay them for what they have had done, then it may be worth considering whether you can truly afford to have a horse?

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I have to say that the same thing crossed my mind tbh. £100 is not a lot of money in the big scheme of things when it comes to horses. If you can't lay your hands on it - can you afford him?

I suppose that's a whole other debate..........
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i dont have a penny to my name but just what covers flint, and i save up for his shoes over the 6 weeks and for anything else. Can the bank extend your overdraft at a reasonable rate or family or friends. If the work didnt need doing then i dont see why they would have had him done in that short period especialy when they were not sure if you would have him back at the end of that month
 
Finally someone who knows where Im coming from^^

I am looking into it now - I can make half the money, will just try and lend the rest if I can ...
 
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I didnt expect to get a job so quickly either...is that my fault?

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Sorry you may have already answered this.

Did these people know that once you got yourself a new job you would be taking your horse back again?
 
I can see from both sides having previously loaned myself but just wanted to say congrats on the job
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I too would find it hard to find £100 without having saved for it - some of us arent payed that great but do try to budget the best we can for our horses. Im lucky though coz I could ask M&D if I got stuck.

Hope it all works out best for both parties.
 
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I didnt expect to get a job so quickly either...is that my fault?

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Frankly yes. You should have made it very clear at the beginning that should your circumstances change then you would be taking the horse back. You did not make that clear, had you made it clear then the chances are the loaners would have walked away. They were after a loan horse with a view to BUY - it seems pretty clear that you had no intention of selling him.
 
TBH- I don't think you should pay if the loan agreement says they are responsible for all of that. You said they could have him to the end of the month
They knew you could take him back.
They knew they were responsible for costs
It is their decision to leave him back early.
When they return him I would just say sorry, your decision, and wave the loan agreement at them!
 
Well there's two sides to this

- Yes the owners knew the loan might be short lived, but obviously hoped for more

- You obviously want your horse back

However teeth & feet are a day to day cost of owning a horse. Get £100 this weekend, work a shift in a pub, sell items on eBay (10p listing tomorrow), offer to poo pick at paddocks etc. There is always money out there to be earnt.

Borrow from relatives, or get a credit card (they love people close to being in debt...). You know you are getting paid, so no risk. Even better get a tesco one and pay it off in 6 months time!!!
 
Jac - you obviously arent reading what I said: we had a conversation when they first tried him in which I did say that the months term would give me time to find a job - for them to raise the cash to buy - or for theloan term to be agreed for longer.
 
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Jac - you obviously arent reading what I said: we had a conversation when they first tried him in which I did say that the months term would give me time to find a job - for them to raise the cash to buy - or for theloan term to be agreed for longer.

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So you actually said to them right back at the beginning - should I get a job within the next few weeks I shall be taking him back? Thats exactly what you said?
 
if they paid for it whilst he was in their care on loan, it is their responsibilty. If both sides were un sure of the plans until the end of the month then it is upto the owner wether to decide and sell the horse, if the agreement is a month! and when i was struggling i needed help and i wanted a loan or a sharer! i think you did the right thing for him. if you cant afford to keep him when your un employed then it will be the horse who suffers in that time. i think you did the right thing, other people with the £100 in the pocket might want to get off their high horses and lend you the money! (tumbleweed) yes didnt think they would!
 
I think you are missing the point a little Flintus. Someone in dire need of financial assistance may perhaps get a sharer or loan to a friend for a month until they get their feet on the the ground....they do NOT offer a horse on loan with a view to selling.

Who sends a horse on loan for a month without having made sure it's feet have been done before it goes off? There is absolutely no way that these people who have just taken this horse WITH A VIEW TO BUY (remember?) and whose feet are in need of doing would quite happily just pay for them to be done only to have the horse taken back from them afterwards - would you?

They have obviously taken good care of this horse whilst in their care and I can completely understand why they have had the vet come out and check on the horse and seeing it needed it's teeth doing, they paid to have it done - I presume because they were expecting to buy the horse? I very much doubt someone would pay for a vet to come out, check and sort out teeth if they knew they were only babysitting it for 2 weeks. Again would you?

When a horse is sent on a pre-purchase trial, which is what this was; it is generally the people who take the horse on the loan period who make up their mind as to whether the horse is suitable for them. The owner can make a stand IF they believe that the horse is being mistreated or they have misgivings about the standard of care.

I do not believe that these people were fully made aware of the situation prior to taking the horse; why else would they be so upset?

Very cruel if you ask me - they have been made complete fools of, in my opinion.
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Tia - it states in the contract that I can change my mind for ANY reason I deemed nesscessary - you are making assumptions regarding the contract that aren't true.

And Tia you might have money - so you wont understand what Im saying here but his feet werent done beause I couldnt afford it. The horse was going out on loan because I couldnt afford him - therefore...couldnt afford to put shoes on him....are we reading from the same page here? so in answer to your question WHO does that - people who cannot afford it do...

And they didnt get the vet out who then told them to have it done, they decided to do it off their own backs. The last time the animal was checked by a vet - his teeth weren't in need of being done - which was December.
 
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