Since when has this been a thing?

[Barklands]

I've just put a load of saddles up for sale and house was resembling a tack shop... but the first message received was "would you consider a payment plan?" Maybe I am ignorant but since when have we been asking private sellers for payment plans?? I am not a bank and surely no one in their right mind would send off a saddle in hopes that they would at some point in the distant future get full payment? I know times are tough but is this common? I wouldn't even consider buying a new saddle until I could afford it...

 

[poiuytrewq]

Agree! Some people do try and take the p.
I went to the Blue Cross tack shop yesterday and got there to find it all locked up. Apparently people steal the stuff! Horsey people (presumably) stealing from a horse charity!
Mind blowing. People are idiots. I don’t imagine you’d ever see the second installment!

 

[nutjob]

It's been a thing for a long time. I don't think it's because they don't have the money, more that they have no intention of paying the full amount. It's just another way of stealing by means of a fraud. Also look out for people wanting to offer about half what it's worth and throwing a massive strop if you decline; sending a courier with the money to collect it; paying with paypal and then claiming they didn't receive it; waiting in for them to come and view then never hearing from them again. My partner's had a load of nonsense selling something on fb marketplace. He's dumped a load of stuff in the bin as he's losing it with the fb idiots.

 

[Kaylum]

Agree! Some people do try and take the p.
I went to the Blue Cross tack shop yesterday and got there to find it all locked up. Apparently people steal the stuff! Horsey people (presumably) stealing from a horse charity!
Mind blowing. People are idiots. I don’t imagine you’d ever see the second installment!

Yes they really don't care about stealing from a charity. They also try to pay with fake cash. Think it's easy to off load it onto charity shops.

 

[JenJ]

It may genuinely be an increasing expectation in general, due to the abundance of schemes such as Klarna etc. I think many payment providers such PayPal now offer a "pay over three months" option as default, unless the seller specifically deselects it. I know I had to actively find and switch off the "pay later" type option for either my side business or the charity I work for (can't remember which!). It seems to have been an option for almost any online shopping I've done recently.

Personally it scares me as I can never remember anything, and at least using a credit card the payments are taken once a month so I can check and make sure there's enough money in the relevant account - if I did a Klarna-type thing I would have random payments going out all over the place for things I bought months ago, and I'm sure I'd get into a lot of trouble very quickly!

edited to add: iirc - using the "pay over three months" type option, the seller would get full payment upfront, and PayPal (or whoever the provider would be) would be the one taking the risk of further payments not being made.

 

[Keith_Beef]

edited to add: iirc - using the "pay over three months" type option, the seller would get full payment upfront, and PayPal (or whoever the provider would be) would be the one taking the risk of further payments not being made.

Yes, this is right. PayPal pays the seller the full amount straight away and then takes the four monthly payments from the card linked to the buyer's PayPal account.
I use this now and again for places like eBay.

I prefer to save up the money and pay outright, but sometimes I find something at an unexpectedly good price when I don't have quite enough in the Revolut account that I use for that kind of thing, and my main bank is sometimes unexpectedly unable to handle a transfer to Revolut (it's been attacked a few times by Chinese and Russian state-sponsored cybercriminal groups).

 

[Peglo]

I wonder if they would still be keen if you agreed to the pay in installments but you’d only send the item once the last payment was made

 

[Bonnie Allie]

I wonder if they would still be keen if you agreed to the pay in installments but you’d only send the item once the last payment was made

I did this for someone as they really wanted the saddle but didn’t have the full amount upfront. I let her pay half and then a little bit each week over 3 months until it was paid off.

Didn’t set out to do it but she was so lovely, I wanted to help her get the saddle she had dreamed about buying.

 

[Sanversera]

I wonder if they would still be keen if you agreed to the pay in installments but you’d only send the item once the last payment was made

Love this. That ud teach um.

 

[Tidy_rabbit]

A few years ago I was selling an inexpensive (£300 ish) saddle. My interested buyer wanted to try it out, as she was local I said fine, if you leave me the cash when you take it and if it doesn't suit, bring it back in the same condition and I'll give you the money back.
Oh she said... I don't actually have the money right now for it. So no it's not a new thing....

 

[Pedantic]

Not a bank or loaning bussiness, tell them to jog on

 

[New Forests Rock]

I'm about to buckle down and try and sell O/H's saddle that Saddles Direct have had for 6 months, even with a massive 50% sale price reduction. Wish me luck, this could be a long haul

 

[Time for Tea]

I'm about to buckle down and try and sell O/H's saddle that Saddles Direct have had for 6 months, even with a massive 50% sale price reduction. Wish me luck, this could be a long haul

Best of luck, let us know how it goes!

 

[Cloball]

Its either a scam or I honestly dont think people think about what it actually means for a private seller vs. Klarna.

 

[New Forests Rock]

Best of luck, let us know how it goes!

Thank you, I will

 

[Barklands]

I'm about to buckle down and try and sell O/H's saddle that Saddles Direct have had for 6 months, even with a massive 50% sale price reduction. Wish me luck, this could be a long haul

I have 9 saddles to sell... lord help me

 

[muddybay]

I got asked for a payment plan for a £20 saddle pad I was trying to sell

 

[Ditchjumper2]

I ended up selling my saddles to a dealer for cash when I gave up last year. They also took all my really good hunting bridles etc. It broke my heart but I just had to get rid and move on. Most were hunting saddles so not very fashionable. The only one I kept was a Fairfax which is still in my spare room. The tack I cba to advertise plus about 100 bits I took to WHW for them to have or sell or whatever. In some ways I found parting with the tack etc harder than the loss of the last horse. Probably as it represented our horse owning life and I could remember what I had purchased, from where and for what horse.

 

[JenJ]

Its either a scam or I honestly dont think people think about what it actually means for a private seller vs. Klarna.

*Potentially* (in other words I've no idea! ), the usual payment method for whatever site they were advertised on may have been PayPal, in which case maybe the buyer would have been offered the payment plan with no adverse effect on the seller. Maybe?

 

[sbloom]

A few years ago I was selling an inexpensive (£300 ish) saddle. My interested buyer wanted to try it out, as she was local I said fine, if you leave me the cash when you take it and if it doesn't suit, bring it back in the same condition and I'll give you the money back.
Oh she said... I don't actually have the money right now for it. So no it's not a new thing....

I once fitted a Friesian, the horse had been turning itself inside out in any saddle they tried. Not the one I fitted. They paid in full but 4 days later on the Monday they said she'd gone awfully in it and wanted a refund from the company. A quick social media scan showed they'd taken her and saddle to a dressage show (for which their Christ Lamfelle would not have been legal).

I do honestly think that people are becoming less and less aware of the real life differences between large companies (that have complaints depts, you know), small business/sole trader types, and individuals. They see everyone as being in business and every transaction the same.

 

[Widgeon]

I once fitted Friesian, the horse had been turning itself inside out in a y saddle they tried. Not the one I fitted. They paid in full but 4 days later on the Monday they said she'd gone awfully in it and wanted a refund from the company. A quick social media scan showed they'd taken her and saddle to a dressage show (for which their Christ Lamfelle would not have been legal).

Wow.

Re your second point, I agree - it doesn't help that this government seems to have the same attitude. They don't seem to differentiate between "business owners" who have 100 staff and an a £1million turnover or whatever, and a one (wo)man band who deals saddles or builds extensions. They are all "business owners" and therefore must be wealthy. I do think that attitude trickles down.

 

[dorsetladette]

I'm about to buckle down and try and sell O/H's saddle that Saddles Direct have had for 6 months, even with a massive 50% sale price reduction. Wish me luck, this could be a long haul

I have 9 saddles to sell... lord help me

I have the saddle fitter coming on Thursday so I may be able to take one saddle off your hands. Once I know what I'm looking for for Reggie. Currently my only criteria is leather and a GP. I can't do another summer of riding in a Tekna 'plastic' saddle.

 

[DirectorFury]

I got asked for a payment plan for a £20 saddle pad I was trying to sell

This is why I’ve given up trying to sell things, my reply would’ve been along the lines of “sure thing, my plan is you pay me £20 and I’ll send you the saddle pad”!

I’ve current got about £15k of saddles sat on the upstairs bannister because I can’t bear to deal with the f**kwits that come out of the woodwork.
Classics from my last attempts:

“Will this fit my horse?” Let me just consult my saddle fit crystal ball…

“Why is it brown?” I dunno, reasons???

“I’d buy it if it was black” ok, and?

“This is my dream saddle, would you donate it to me and I’ll give you a shoutout on my Instagram?” Yeah sure I’ll just gift you a £5k saddle, random tweenage child with 5 followers.

“I’ll take it if you include the girth, leathers, stirrups, and a bridle” Mate it’s a £300 saddle, the girth and stirrups are worth more than that alone…

I don’t know how anyone who deals with the general public does it, I’d go insane .

 

[Cloball]

Sorry @direyou seem to have run the entire gamit!

I love the attitude of 'I'm doing you a massive favour by buying your thing'.

 

[sbloom]

I don’t know how anyone who deals with the general public does it, I’d go insane .

Welcome to my exact world. Add in the number of queries that could have been answered by quickly perusing my FB page or my website (which has GREAT SEO so not hard to find)...the vast majority of enquiries that aren't actual booking forms. No idea sometimes why I bother putting any information online at all.

 

[Annagain]

I have 9 saddles to sell... lord help me

I don't suppose one of them is a 17.5", wide, Ideal Jessica, preferably in brown, by any chance?

 

[KC31]

Had a clearout, advertised a lovely rug, washed for £10. Someone we knew wanted it, then came back and said oh sorry can't afford £10 this month! WTH!! Same person has just acquired another horse, to add to the other 2, how on earth they are paying for them all is anyones guess, as they are always begging for things on social media!

 

[Barklands]

I don't suppose one of them is a 17.5", wide, Ideal Jessica, preferably in brown, by any chance?

Unfortunately not! I have a lovely brown Albion K2 Legend dressage saddle which off the top of my head is 17.5 MW on a high wither tree but the rest are show saddles and a K2 Jump Saddle!

 

[Abacus]

I don't suppose one of them is a 17.5", wide, Ideal Jessica, preferably in brown, by any chance?

There's one on Ebay - saw it earlier when I was looking for an Ideal for my young chap (but need medium).

Pardon our interruption...

 

[PurBee]

This is why I’ve given up trying to sell things, my reply would’ve been along the lines of “sure thing, my plan is you pay me £20 and I’ll send you the saddle pad”!

I’ve current got about £15k of saddles sat on the upstairs bannister because I can’t bear to deal with the f**kwits that come out of the woodwork.
Classics from my last attempts:

“Will this fit my horse?” Let me just consult my saddle fit crystal ball…

“Why is it brown?” I dunno, reasons???

“I’d buy it if it was black” ok, and?

“This is my dream saddle, would you donate it to me and I’ll give you a shoutout on my Instagram?” Yeah sure I’ll just gift you a £5k saddle, random tweenage child with 5 followers.

“I’ll take it if you include the girth, leathers, stirrups, and a bridle” Mate it’s a £300 saddle, the girth and stirrups are worth more than that alone…

I don’t know how anyone who deals with the general public does it, I’d go insane .

I don’t have the patience for it.

Here in Ireland striking a deal is common, and a art form almost…but I don’t enjoy that at all…price is X, o.n.o if I’m somewhat flexible on price and want quick sale.

We had a small car asked by locals if we were selling, happens we were, yes, 500 for quick sale - got an offer for 50! It starts so cheeky low it’s almost painful!

Another local interested in PTO farm machinery easily 400 on the open market - but we are not even going down that route as the deal would likely be their cob foal, a bunch of rhubarb and 50 quid!