Loan Problems

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tinypon

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I'm in a bit of a situation at the moment and need some advice

I have had my pony on full loan since last year and everything was going really well, I love the yard, have a good relationship with the loan owner and get along really well with the pony.

However, recently the owner has been bringing up her daughter to ride him (who used to have him before she lost interest) but has been doing so without asking or by giving me an option of what days that they can ride instead of me.

I want to say something but really don't want to ruin the relationship we have with them but I thought that since we pay all costs and care for him I would have final say but I don't really get given an option? I was looking forward to riding more this summer and really don't want this to be the case through out.

So am I being to fussy or should I say something? Thanks x
 
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I don't think you are wrong to be slightly peeved at this. However if you want to continue the loan, then you need to tread carefully. Do you have a loan agreement in place? If so perhaps you could say something along the lines of.... "lovely to see that x is interested again, should we review the loan agreement so that everyone knows what they are up to....". Good luck. x
 
Yes we do and the owners said right from the start that we would have the final say, it seems not now...
thanks for your help but like you said I just have to tread carefully x
 
I think it's totally unacceptable I'm afraid. If you have the pony on full loan and are paying for everything, then they only get to ride if you can fit them in, not the other way around. If you have clauses to that effect in your agreement, or if they are sharing all the costs, then that would be different in my eyes.
 
Take all your tack home and when they say about not being able to ride its the perfect time to bring up the loan agreement as nikicb says. Very awkward situation.
 
I also think that's really unfair. I would go with nickicb suggestion of looking again at the loan agreement. I wouldn't be paying all the costs for someone else's pony if they were then stopping me from riding. The owner of my old loan horse used to come up and ride him, it worked well for us as she was only really home over the winter months and it kept him ticking over during the week. If she was about in the summer he was usually for enough to be ridden twice a day as one of us would usually end up just pottering out on a hack.
 
God I find that really cheeky, far enough to have a sit on every few months but as a weekly thing then no way. I would be taking tack home. You need to address this, how lovely it is for the owner to still have a pony, get someone else to look after it and they come and go for a jolly with no costs what so ever! The cheek
 
I am in the not tread carefully camp i'm afraid. I would be polite but firm and ask if they want the loan to continue. Better to know sooner rather than later to allow you to find something else. If they think they can have a free ride at your expense, you need to put a stop to it asap.
 
Tack home first of all and then book a meeting with the owner. You have absolutely nothing to lose by being polite and upfront. She may just not be thinking this through but I would suggest you start with the phrase that its nice to see x taking an interest and as she is now riding once a week, how does the owner want the loan arrangement to change from a financial and care perspective? if she says she doesn't want to change that part (!) then you can say that as this seems to becoming a regular occurrence you had thought that she wanted to change the loan. If she says she is happy to continue, then you can say that this is not working out for you with the daughter riding when she wants to as you have all the responsibility and financial care without the full reward.
 
Luci07 said:
Tack home first of all and then book a meeting with the owner. You have absolutely nothing to lose by being polite and upfront. She may just not be thinking this through but I would suggest you start with the phrase that its nice to see x taking an interest and as she is now riding once a week, how does the owner want the loan arrangement to change from a financial and care perspective? if she says she doesn't want to change that part (!) then you can say that as this seems to becoming a regular occurrence you had thought that she wanted to change the loan. If she says she is happy to continue, then you can say that this is not working out for you with the daughter riding when she wants to as you have all the responsibility and financial care without the full reward.
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Agree with all this. Is the owner doing any jobs on the day they visit?
 
I agree with everyone it seems very cheeky. I loaned my horse out when I went to uni and we continued to pay insurance so that I could ride occasionally when home for the holidays. I always arranged it in advance though and never just turned up expecting to ride. It was all agreed in the loan agreement too. Taking tack home and then beginning a conversation seems like a good idea. Very tricky for you though, good luck.
 
MrsNorris said:
I think it's totally unacceptable I'm afraid. If you have the pony on full loan and are paying for everything, then they only get to ride if you can fit them in, not the other way around. If you have clauses to that effect in your agreement, or if they are sharing all the costs, then that would be different in my eyes.
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100% agree! They are taking the proverbial!
 
It definitely out of order. I'd take the tack home too. Your situation is similar to a part loan so you should be paying £20 a week not full costs. I'm sure they just think you don't mind but they should ask and you should have the option of being able to say no.
 
You talk about 'we',are you over 18? Because if not, I think you should get your parents, who presumably signed the loan agreement, involved in a discussion with the mother. You certainly should not be paying the full costs when the daughter ixctidfing the pony regularly.
 
I would speak to them. Say that you are getting the impression that they only want to share their pony, not loan it, and if so you need to readjust costs and care of the horse.
 
How many times has the daughter been up? If it's only a few times I would let it slip but would maybe ask if they can ask in advance and do chores so you can have a day off?
If more regularly ask to renegotiate the contract.
 
They're taking the pee. I'd be fuming if the owner had done this to me when I loaned horses. They get to ride for nothing, when you're paying everything? Don't think so! Have a meeting, don't talk to the owner in passing.
 
Agree with everyone else that they are taking the biscuit, however I do think the passive aggressive approach of taking tack home is unlikely to help a mature conversation on how the loan moves forward.

I would just explain that you took X on on the understanding that it was a full loan but that you wondered whether they might want to review the arrangement now the daughter is riding again.
 
This is totally unreasonable in my opinion. However, there's no point in being defensive to start with - I'd be having a chat with the mother and asking outright if the daughter intends to come back to riding, and if so, wouldn't it be appropriate to amend the loan agreement?

Just be open and friendly. I wouldn't get their backs up by withholding tack. That will surely just irritate them. Ask what the situation is, and act accordingly. No point in stewing until you know the facts.

Hope you can work this out.
 
I had exactly the same thing once. I turned up on Boxing Day to do my jobs (as usual) and found my loaner tacking up the horse as her and her friend were going out to ride. She said 'you weren't riding this morning, right?' and I was livid. I did address the issue and made it clear she should have asked me first. Yes, it's her horse but I had it on full loan. It all went down hill from there.

I would just text and say 'lovely to see she is riding again, should we get together to discuss....'.
 
I would talk to them .
Be clear if you are happy to part loan then they must sort something about the costs if you are not then say very firmly I am very happy that x is riding again but I must let you know I am looking for another and am giving you notice I wish to end the loan .
And take your tack home .
Good luck
 
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