loan horse woes, advice please

KingCharles

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I am after some advice as to what to do for the best.

I took Charles on at the end of september, he was to be on long term/permanant loan. I had placed an advert on project horses looking for a project. I made it compleatly clear that i woudl consider anything, as long as they where sound and up to work once fit. Charles' owners contacted me. He was considered a project becasue of his aggresive behaviour on the ground. At the age of 17 he had pretty much had this attitude since a youngster. I spent a logn time thinking about Charels before took him on. I had a few other offers, but he really grabbed me as being a real project. In the sense that no one else really wanted him, and that i would be his last home potentially before he went to rainbow bridge.

I was told under saddlehe was a star, and the owner hacked him out for hours at a time and never had a problem. To be honest if he had been quirky under saddle as well it wouldl not of bothered me too much. I was told that the only problem they had, had with him since the 2 years of ownership was that he went footie when his shoes where removed. He was fine as long as he wore shoes. Being a 16.2hh id x tb that had worn shoes all his life, i was not concerned by this. I was told that if i had any concerns about hisi soundess , then to try him at my yard for a month and see if he was ok. If he was not ok they would take him back. It sounds horrible, but i could not risk the possibility of being stuck with an unsound older horse with tempermental problems. Especially as i would be keeping him at a livery yard. I have 3 children, my eldest has cerebral palsy and i am her full time carer, my second eldest is 18 months and may have autism, and my youngest is 6 months. So obviously the horse is my special time away , and myself and my OH had planned finaces carefully so that i could continue with horses.

Charles had been out of work for 3 months, i was told that simply it was due to lack of time. The day they delivered him i was shocked as he was in very poor condition. His feet where a terrible mess. His passport showed he had not been vaccinated in the 2 years they had owned him, It has showed that prior to them buying him , he was vaccinated. There was a split second in my mind when i wondered what the hell i was doing. The owner gave me a few photos of charles and told me that he dosnt work in an outline, that she had teven had lessons to try and get him to work roudn but he would not. They signed the contract, as did i. They dropped his belongings in a heap on the floro and then drove off. The first thign i set about doing was to get hsi feet sorted out, his heels where badly collpased. I also gave him a good worming, and had my vet otu to see him. I set about building his weight up, slowly and carefully. Once he was feet where sorted and he had started to settle, i set about getting his fit again. I basically took him back to basics, long renied him, lunged him, then gradually hacked him out in walk, then added trot. I managed to get him working in an outline pretty much from the word go. The saddle he had came with, did not fit him, I know his owner had ridden him in this for the 2 years she had him. I also changed his bit to somethign milder and ligther in the mouth. Over time he became a different horse. He started to musclle up, his paces became more elastic, and he went from looking old and dull, to young and full of presence again. His owners came and visited him, and they where tottaly amazed at the transformation. His temperment did nto really im prove with peopel he didint know, bu ti foudn he started to trust me, and it got to a point where i could do anything with him on the ground. Over the time i had him, i found out that i had not been told the whole truth about charles. Only small things, but i found out the reason he was out of work befor ei took him on was becasue he had reared up with his owner and sacred her. I also found more photos of her riding him and he looked very uncomfortabel in the photos, going everywhere hollow his with ears back and teeth bared. A flash was being used to keep his mouth clamped shut. However you could see he was unhappy.

As time progressed and as he became fitter, i noticed charles seemed to be uncomfortable. I had by no means beeing asking a lot from him. In fact with the bad weather his work load had been light. He started to buck when going into canter and grinding his teeth. His teeth where checked and i had a new saddle for him.He also bucked on the lunge in canter. I did nto feel for one second it was his playing up. So i contacted my vet who recommended i have the physio out to assess him. A lady called fiona johnstone. However it was of everyones view that what ever was going on with his back, had obviosuly been there prior to me taking him on. I decided to do a bit of investigation work. Managed to track down one of his old owners to ask iff he had ever had an accident. However i found out nothing. In fact i was told he was always a pleasure to ride. Realising that what was going on was possibly something old, and that my insurance would not cover it, i found my self wondering what to do next. I contacted his owner and asked if they would pass on hsi vet detaiils to my vet to see what work he had, whilst with them. To see if it would shed light on what was going on now. They declined! So i made it clear that i was goign to struggle with the payment for the physio. I asked them if they would contribute, they also declined. I spoke at length with the owners then and told them basically. That i had put a lot of money into charles, and the physio woudl also potentially cost a lot more money. At the end of the day, charles was not my horse, and as far as i was concered the problem was pre exsisting. before i took him on. They did not deny there was obviously something not right when they had him. They did not wish to have charles back , and made it clear that if he went back to him, they woudl nto be able to afford him. That the chances of fiding anyoen else who wanted his where very slim. So they woudl have him PTS. I todl them i was prepared to give him a chance with the physio. However not whilst i was not his owner. There was nothing to say that i woudl spend all th emoney getting him right and they would come and take him away from me. I told the owner that if the prognosis was not good, i would give him the summer with love and care then let him go peicefully, and i woudl be there with him to make sure it was done. The owners said they would get back to me. Tottaly irrelivent to the situation, but i found out i was pregnant again, however made the decision i woudl keep charles, evenm if it meant finaces where a bit tighter. The owners know this. They got back in contact with me over the weekend, and they have told me they will sell charles to me for 500, they also want me to send back his tack so they can sell them on. They told me that this low price si a good price becasue they have lost a lotofmoney on him. They also want the money by the end of the month, and they dont want to see him again. I am to send his tack to them. I am not goign to be able to raise the 500 that quickly, as well as having to pay for the physio. All my savings have been used to fund new items he needed. I have been todl if i dont want him, they will have him PTS. So i am his last chance. People are telling me that i am being taken as a mug. Basically being asked to pay 500 pounds for a horse that has issues, that is older and is a poor doer. Especially as i have put so much money into sorting him out already and will no doubt have to spend a lot more. I want go give him a chance, and we have such a bond. Do you think the owners are being reasonable? Im just trying to do right by the horse.
 
I am really sorry to hear you find yourself in this situation! To be honest you sound like a kind, loving person, who is being taken for a ride by the horse's owners because they think they can take advantage.

To summarize the story so far: they loaned you a neglected horse, in poor condition, with badly fitting tack, which had not seen the vet, and had been dumped in a field. You then found out that they had lied about his history and may be hiding an accident/physical problem they know about. Now they are asking you for money for him!

They should be paying you to take him on, anything else is a con. I appreciate you are emotionally attached to this poor horsey, but realistically he is going to cost you a lot of money so it's insane to 'reward' the people who allowed him to get to this state with a further 500 pounds!

From the outside it's easy to say that you should terminate the contract, give notice and return the horse. If they decide to then sell him to you for a nominal amount (1 pound) you can re-think the whole thing, but buying him is just taking advantage of you.

I can't imagine how you cope with all you have on your plate - good on you for taking on a difficult horse on top of everything!

Best of luck and I hope it all works out!
 
To be frank.........no I don't think the owners are being reasonable.

HOWEVER, they are clearly using the bond that you have with Charles to try and emotionally blackmail you into giving them money. It really comes down to how much you want to help him and if you can realistically afford the costs of dealing with his problems.

I am also a mug and have ended up with two project ponies. I am terrible for letting my heart rule my head!

No words of advice since it is really only you who can make the decision, but good luck and I do feel for you. Please let us know how it all turns out. x
 
OMG what horrid people. They are really trying to take you for a mug. if they were to do what they say and have him back and pts it would cost them nearly £500 not receive £500. I am sure they are counting on the fact you don't want him pts so that you pay. However I am also sure that if you say NO you either take him back or sell him for £1 they will sell him as otherwise like I say they will have to pay for him to be pts or his keep while they try to sell him on.

Don't let these people blackmail you!!!
 
Really sorry I haven't any advice to give, but really feel for you in this situation. I took a horse on a supposed 'long term' loan last year that turned out to have a bad back. I paid for his shoes, for his saddle to be checked and reflocked and 2 sessions with a McTimoney practioner. After one month the owner decided she wanted to sell instead of loan and asked for silly money then started getting sh*tty when I wouldn't pay what she wanted. The horse went back and as far as I know is just sitting his field like he had for the previous 5 years!
Obviously I didn't have him anything like as long as you and never built up the bond you have.
Hopefully they are just trying it on with the money they are asking as they have seen what a good job you have done with him.
Sorry not to be able to offer advice, but hope you are able to come to a good arrangement.
And congratulations on the 'soon to be' addition to your family.
 
I'm afraid I think you are being taken for a mug. I think unfortunately he is only worth meat money. If you really want him I would suggest offering them £100 in full and final payment and if that that was unacceptable to them they could come and collect him on 'x' date after which you would have to charge them his livery.

Call their bluff and see what happens. I once had a lovely horse vetted and it became very obvious during the vetting that he would not pass. My vet advised me not to touch him with a bargepole and then the owners started wittering on about how I could buy him for less as otherwise they would have him PTS. I didn't buy him.

His owners do sound very novice and you do sound as though you are doing everything right and have made a huge improvement to Charles' life.
 
I feel just awful for you. What horrible people! This may be one of those situations that much as it is totally unfair, you will just have to pay your way out of. But I would consider 500 their opening offer. They want the horse out of their hair, so this gives you some baraining power. They don't want go to the trouble to collect him and then pay a vet to PTS.Think of it from their callous point of view. They want rid of the horse and don't really care how, they don't want to spend one more penny on him, but if they can make a quick buck they will. Once you understand them you can fight them.
>Your weakness is that you don't own him
>Thier weakness is that they don't want to spend the money to go through with the PTS threat.
I think a middle ground can be accomplished
I would go back to them and say "I can't raise 500 in that short time, but I can manage x amount and he will be out of your hair for good."
If they dig their heels in badly, find out from the police if they can legally enter the property where the horse is kept. If you are the owner, or the YO will agree to bar them entry, you could stave them off that way. Find any way to make it a hassle for them to take the horse back. They care so little about it I would imagine they will say 'sod this' and give up.
 
It is easier to say than done, but these people are blackmailing you and you should not accept it. I would personally call their bluff and advise them that you will give them a nominal fee for him - to transfer ownership - £1. You might also like to give them the options of how much it will cost for them to have the horse pts and disposed off. Does it have the signed disclaimer in the passport - not for human consumption? If so then they cannot 'make' money out of him being pts they will have to pay. Also I have no idea how far away they are from you but perhaps you could get some transporting quotes.

You can then say to them, if they wish to be careless and have a healthy horse pts then they will have to live with their decision so either they can allow you to give him a home for life for a nominal fee or they can spend up to £500+ to have him destroyed. Good luck and try and be strong.
 
What horrid owners who dont deserve horses. You need to play devils advocate with them and dont let them back you into a corner!

Tell them that you DONT have £500 but will buy him for x amount, if they dont agree to that then ask them to collect him by (give them a very short timescale) or FULL livery will be charged to them as they are STILL the "OWNERS", or give them the option that you will have him PTS on there behalf but as they are still the "OWNERS" the vet bill will be sent direct to them.

Hope that it dont come to that and you find a reasonable solution and you can keep him.
 
Call their bluff, go back to them, tell them that it will cost them nearly £500 to have him PTS, they will not be able to sell him or loan him in his current state. He has cost you a lot of money and will continue to do so.

Tell them that you will return the tack he was sent with which they can sell on and you will pay them £1 for ownership of the horse and it will be out of their hair for good and they will not have the problems of transporting him, stabling him, arranging the vet, raising the money to PTS etc.

I think they are trying it on and at the end of the day don't want him back but do want to try and get some cash. You can negotiate if you feel like it but you don't have to.

If you think he may well need to be PTS anyway and they are still asking silly money suggest to them that you arrange for him to be PTS at yours where he is happy at their expense - that way you know he will not suffer any more.

Do not let them bully you.

If you really want to play hardball with them you could threaten to take the photos of him when he arrived to the RSPCA and report them for neglect. You and I both know that they will do nothing but it is another card up your sleeve to get the best result for the horse from people who sound like a thoroughly nasty piece of work.
 
Of course the owners aren't being responsible. However, if the only issue is £500 - then I'd be suprised if they took him back only to pay around that sum to have him put down.

Tell him the money will be forthcomming - and agree a date by which you'll pay it. If you can't put your hands on £500 within the next 60 days, then you can't afford a horse - so let them have him back.
 
The issue is not fiinding the 500 pounds. The fact is that with out spending a lot of money on the physio and what ever other treatment there is he will never be right . The fact is also that even after spending the money on the physio and vets ect, there is a chance that he may not be right at the end of it. Meaning that i would then have to have him PTS anyway. He is not a good candidate as a companion. It is more the prinicble of the matter. The 500 pounds they are asking could be going towards the treatment for the physio ect. They know that it would be a struggle to riase the 500 and also have to fund the treatment at my own expensive. Especially with a new baby on the way. Not impossible i may add. It just feels like they are trying to get there last bit of money out of him. He wants for nothing whilst he is in my care, he takes a lot of feeding and care as he is not a good doer. I care for him probably better than mopst people care for there own horses. If they are goign to have him back to pts anyway i cant understand why they are so admiment in making some money on him. I already offered to give back all his tack and rugs, ect.
 
Of course the owners aren't being responsible. However, if the only issue is £500 - then I'd be suprised if they took him back only to pay around that sum to have him put down.

Tell him the money will be forthcomming - and agree a date by which you'll pay it. If you can't put your hands on £500 within the next 60 days, then you can't afford a horse - so let them have him back.

I think this is unfair, if she gets the money together for them he may have to wait for the treatment he desperately needs and that she is willing to find the money for!

OP, I would call their bluff and if they take him back and have him PTS it would be horrible for you but at least he would be safe from their scams forever. They are taking the P and I doubt they would take him back but you would have to be prepared for that to happen. I guess that your contract says that you are responsible for vets bills but as they lied and it is a pre existing condition that they failed to disclose I would be asking them to knock the cost of all treatment off the £500. I would, if I could afford it, have a solicitors letter sent to them demanding the payment for all everything the horse has cost you since you got it and that you would not have taken him on had they disclosed his health issues. They have broken any contract by way of their failure to disclose issues. I really wish you luck with it, you must be heartbroken!
 
Yes i have covered all his expenses, including restarting his vaccinations, having his teeth seen to, having his feet sorted out. I have him insured but the insurance would not cover this. I have bought him new tack fitted by a professional. I am not fussing about this. Thisis what i am responsible for. Had the horse coem to me in work, with no problems and had injured its self in my care, then i would pay to have the horse seen to at my expense no question. The fact is that the owners are not denying that there was nwo a problem prior to me taking him on. Also you can tell by there reaction that they knew something i was not told. thats why they are quick to get rid. Most horse owners would be upset if they where told there horse had seemed to develped a problem, and woudl want to know what is going on. They did not care.
 
Awful people, poor horse... to be honest if it were me I would haggle the price as it would cost them £500 to have him PTS so they are actually better off letting you have him for a lower price, I'd also leave him be over the summer and look to have physio done later in the year so you can save up a bit, he sounds a good sort and you obviously have a bond with him - good luck.
 
Go back to them and tell them that you will pay the £500 but that you will have to deduct the costs you have incurred so far just to be able to ride him (hoof work, new saddle etc) not his livery/feed costs. They told you he was good to ride and he was not delivered (a) in a rideable condition and (b) with properly fitting tack.

Stand firm. What a real "head or heart" decision for you.

xxx
 
I think this is unfair, if she gets the money together for them he may have to wait for the treatment he desperately needs and that she is willing to find the money for!
.

No it's not. The OP was after a project horse - that is what she got. The horse arrived on her yard (presumably not having been viewed beforehand) in a sorry state, and in obvious need of money and time being spent on him. That was the time to start talking about what financial assistance was available from the owners - not now.
 
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No it's not. The OP was after a project horse - that is what she got. The horse arrived on her yard (presumably not having been viewed beforehand) in a sorry state, and in obvious need of money and time being spent on him. That was the time to start talking about what financial assistance was available from the owners - not now.


Not at all!

He was on project horses becasue of his temperment and not becasue of anything else. My contract actually states he was sutable for all types of ridden work, I also have emails to state that he was in work up to 3 months before i took him on and this break was only due to lack of time. I made it perfectly clear that i would only consider something that was sound and up to work once fit if out of work. they understood this. The fact is that once brought back into work it is apparent that he has an long standing problem that was obviously there whilst they had him in work. This was not disclosed to me. He is still there horse, and they could take him back if they wanted to. They even used to post about him on here, and i found out a lot about him from this site. the fact of the matter is, that he is not fit for the purpose of the loan and they knew he would not be. They are not denying that this problem is not a new one. A project means many things to different people. I was after something that needed work, but was sound. This horse clearly has physical issues. I would never of tkane on a horse with physical issues, ona loan basis. Just to put the horse through a fitness programe and spend the time and money on them. For them to break down. Thats nto fair on the horse or myself. All thsi was dissucussed before the horse was taken on. I have loads of emails as proof. The fact is that they told me his only issue was his temperment. thats all. It was becasue of hsi temperment that he was classed as a project.

So you feel its fair for me to foot the bill for a problem that they should of investigated when they had him? Only for them to potentially have him back when they know he is fit and better. They dont want to spend money on him them self.

I told them that if they where prepared to fund the physio i was happoy to keep him on loan and would look after him. Then depending on the outcome take it from there. They where not intrested in helping to fund the cost at all. They said they would rather PTS.
 
To be brutally honest, if he was ultra talented, then I would consider forking out the money. However, from what you have said, he isnt...and they have you over a barrel becasue of the sentiment you have for the horse.

If he was mine, I would send him back and cut your losses. If he is then PTS then so be it - sorry to be brutal, but 17 year old r-c types to play around on are ten a penny, especially in this current climate, and by holding you ransom they are totally taking the pi ss.

Also, older horses have problems, it’s a fact, and you should have considered this before you took him on. I also totally agree with Amymay – you should have discussed the state of him the second he turned up on your yard.

Incidentally, if you had bought him from a dealer, had a contract stating he was for riding club activities etc, you could return as not fit for purpose, and your options there are the same with a loan, especially with uncommitted owners. You can turn around and say he is not fit for purpose and :

a) be brave and send him back
b) be soft and keep him and fork out the cash


Incidentally, my tb is on loan to another forum member. In the agreement it states she is responsible for physio/farrier etc and related costs, however, because I give a damn about the horse if he needed something and she couldn’t afford it, I would pay – however she does not expect me too. She also knows that if the neddy came back to me he would be sold – if I wanted to keep him, then he would still be with me. Its not rocket science!
 
He has always been a poor doer, and his poor condition was becasue they kept him at home on an allotment, with no stable. He feels the cold and had dropped his condtion becasue of that. Looking at photos taken last summer he looked in good condition. Also they told me that was a good weight for him when he arrived. They where also not aware his feet where in such bad condition. I was nto looking to take somethign on to sell for a proft. I was after something to take on to give a chance to. I was prepared to keep him intill he retired. Then he owners wanted him to go back to them to be pts. The girl is in college for 2 years and has no time for him. the parents are not intrested in keeping a horse on. I understand where you are all comeing from honestly. I did nto view him becasue he was a long way away and as he was in a field unfit and they had no faccilities it was pointless. They sent me phots and a video and they did say that i could try him for a month, other wise there was a 2 month cancellation period both sides to end the loan. The photos i was sent where obviously not as recent as i thought. I beleive i have done right by this horse.
 
Sorry but doing right by a horse is not keeping it because you feel sorry for it. I fear that whatever advice you are given on this thread you will disregard as you have already made up your mind with regards to this horse. It is a shame because it costs the same to keep a bad horse as it does a good one, which you will actually enjoy.
 
Hello Op, what a rotten situation. My first reaction is that you should think about yourself and your family and how the stress of what could happen will affect their mum especially as you have another baby on the way. I also know how very difficult it is with children who require extra care and equally how important it is for parents to have respite and something of their own. You have done a tremendous job with this horse by all accounts and I understand how close you become to a horse who is responding and bonding well with you.

Forgetting his owners for a moment, he is 17 and clearly there is residual damage from a previous accident or congenital problem that is showing up now, that may or may not be able to be resolved. The long term treatment could become unaffordable, in which case you would end up with a horse only good for retirement/companion at best or worst case PTS option. This therefore, is the possible future if you keep the horse and you say he is a grumpy sort and aggressive. So all logic says to send this horse back to the owners as unfit for purpose.

The very definition of "project horse" (is there one in law?) would make it unlikely there would be comeback on the owners for suitability of purpose.

Now the illogical route which lets face it most of us would be inclined to do!!!. First and foremost, these people have no intention of having the horse back, therefore you need to hold your nerve and tell them to collect him. Say you had not accounted for major pre existing issues but because you like the horse, you will give them 100,00 a nominal amount (you can always go up a bit to 200 say but no more!!!). If they do not accept this then as other posters have said give them a date to collect the horse. This date will come and go so start getting your YO to send them livery bills and direct the vet bills to them. They will soon be biting your hand off for 100.00.

And looking at silver linings, while you are pregnant it will give the horse time to heal if thats what you want. I send all the luck in the world and hope it resolves itself

xxxxxxxxxxxxxxx
 
I have given him a chance at least! Can i add that i have had remedial shoeing by the farrier to sort hsi feet out. I was speechless to find these posts today, bareing in mind he was compeated by the owner. there was never mention of a physio or anything when i took him on?? Thsi may be why they are reluctant to pass on the vet records to my vet.



I have found some more posts today by the owner whilst she owned him.

this post here just about sums it all up!!!!!!
http://www.horseandhound.co.uk/forums/showthread.php?t=241448





http://www.horseandhound.co.uk/forums/showthread.php?p=7386555#post7386555

http://www.horseandhound.co.uk/forums/showthread.php?p=7364123#post7364123

http://www.horseandhound.co.uk/forums/showthread.php?p=7202234#post7202234

http://www.horseandhound.co.uk/forums/showthread.php?p=7164434#post7164434
 
My point is that they knew he had a back problem when they owned him and they never disclosed it. Also may i add that you have nothing constructive to add, that you butt out of it. If my post bores you then why read it!

I took this horse on loan in good faith. This all could of been avoided if they had just been honest with me. They have effectively passed the buck. If you think that is reaonable behaviour for a horse owner then you should stick to your cats!!
 
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