Old school
Well-Known Member
Re the OP, Sassenach...you seem to have the right idea. It is yours to pay. It is your horse and you entrusted it to someone else because you didn't have time/facility/skills to do the job yourself. You selected them and with that came all sorts of risks. As you have now experienced.
The 'lots of people" you know who are saying not to pay are the people I would avoid getting their opinion in future.
The 'lots of people" you know who are saying not to pay are the people I would avoid getting their opinion in future.