What Are My Options?

[Bellalily]

Ok, things are not going well.
I’ve just had £1000 bill for my car.
My wonderful horse has injured his check ligament hurtling around the field after Maddy.
I have just moved house (renting) with a flat to buy in 6 months hopefully.
The last one I knew about weeks ago.
My credit card is getting out of control with paying for vets’ bills and I’ve yet to have the scan.
I advertised Maddy for loan and have had three enquiries, two of whom sound great.
Problem solved? No, the bloody woman who sent her back has gone on holiday after pleading poverty, and now blocked me. She assured me she’d send rugs and her tack and fly mask, I’ve had nothing.
I am angry and upset and starting to think I should just pts.
Oh and I can’t take her away from the others, she screams the place down and I’ve been smacked in the head and yesterday I lost her altogether. My big chap doesn’t help as he tends to reply and when she was running around yesterday, he was too and his leg was more filled this morning.
I’ve been duped and I can’t see a way out. If anyone wants her details, I’m happy to advertise them and I’m going to start doing homework about this yard in Nailsworth that she was allegedly evicted from.
Rant over.

 

[misst]

Probably not good to name and shame here but deepest sympathy for your situation.
I guess it's theft so maybe a solicitors letter to her warning legal action/small claims court if things not returned?
Deep breath. Get some good advice and rethink on Monday x

 

[IrishMilo]

What stage are you at with the check ligament horse? Is it an option to keep going with the rehab on your own/turn him away for 6 months to give yourself a break from more vet bills? Alternatively are you able to get a 0% CC to at least give yourself a breather from paying interest? Or just do a payment plan with your vets?

There's no shame in doing what's best for you and giving them both a dignified ending. Sorry things are tough for you at the moment.

 

[Bellalily]

What stage are you at with the check ligament horse? Is it an option to keep going with the rehab on your own/turn him away for 6 months to give yourself a break from more vet bills? Alternatively are you able to get a 0% CC to at least give yourself a breather from paying interest? Or just do a payment plan with your vets?

There's no shame in doing what's best for you and giving them both a dignified ending. Sorry things are tough for you at the moment.

Thank you. I’m already on a 0% but it’s been a tough month with extra stuff for Maddy, transport, feet etc and now I’ve found out she hasn’t had either of her flu jabs, so that’s another expense. I’m just not bringing in enough to pay for anything extra, even payment plans need paying. I’m fairly committed to getting the big man sound and I can’t turn him away with her in the field as they just don’t behave. He’s currently in a pen sectioned off from the field and doing reasonably well. Apart from being a muppet for the vet and yesterday’s debacle, he’s behaved well. But I do appreciate your suggestions, I just want my peace and quiet back. I put her in a separate field this morning and she was running around and calling, but I just needed some time with my boys

 

[Bellalily]

Probably not good to name and shame here but deepest sympathy for your situation.
I guess it's theft so maybe a solicitors letter to her warning legal action/small claims court if things not returned?
Deep breath. Get some good advice and rethink on Monday x

Thank you. Although the solicitor’s letter will cost as much as getting her tack. But thank you.

 

[Bellalily]

And I’ve stupidly managed to use all my data on my phone, so I’m ok here for a bit as I’m cleaning my old flat, pre inspection, but when I leave, I can’t go in the net at all.

 

[Pearlsasinger]

Can you go to the yard where Maddy was kept and see if your tack is still there.

 

[Bellalily]

Can you go to the yard where Maddy was kept and see if your tack is still there.

I don’t know the yard. I only have the postcode and it’s in Stroud whereas I’m in SE Kent.

 

[94lunagem]

Thank you. Although the solicitor’s letter will cost as much as getting her tack. But thank you.

You don’t necessarily need a solicitor to write it. There are lots of resources online that will guide you through writing your own and what you need to say.

 

[nutjob]

Thank you. Although the solicitor’s letter will cost as much as getting her tack. But thank you.

You don’t necessarily need a solicitor to write it. There are lots of resources online that will guide you through writing your own and what you need to say.

This, send a letter before action stating what items you want back and by what time, give a reasonable amount of time like 2 weeks. State in the letter than failure to comply with this will result in you filing a small claims court case. This is inexpensive and can be done on line. Often you won't have to file the claim or if you do it doesn't cost a lot. You don't need a solicitor at all. If they just ignore this, they will get a ccj against them which can affect their credit for a long time.

 

[Kaylum]

Small claims court is quite a process. You would need receipts for your items and something in your loan agreement to show what she has. Any messages you have etc.

My friend went to court it cost her quite a lot of time off work to attend. The person who you are claiming against, if it goes to court, can specify the court area they want to attend. My friend went 3 times. It was over 50 miles away so had to take 3 days off work. Anyway she won and even though the judge said the person could pay over so many months no payment arrived. My friend ended up assigning bailiffs to deal with the matter. Loads of stress.

 

[Amymay Again]

Don't bankrupt yourself over a horse please.

I'm hard, I appreciate that. But there comes a time when you have to put yourself first.

 

[Jenko109]

Don't take out more debt, especially with a flat purchase on the horizon.

It you want to cut your losses and PTS, then you don't need to ask permission from us here.

Do what is best for you.

 

[Sanversera]

Sorry to read about your problems . Just do what works for you. If it's PTS so be it. Don't feel guilty about it.

 

[Bellalily]

What stage are you at with the check ligament horse? Is it an option to keep going with the rehab on your own/turn him away for 6 months to give yourself a break from more vet bills? Alternatively are you able to get a 0% CC to at least give yourself a breather from paying interest? Or just do a payment plan with your vets? There's no shame in doing what's best for you and giving them both a dignified ending. Sorry things are tough for you at the moment.

What stage are you at with the check ligament horse? Is it an option to keep going with the rehab on your own/turn him away for 6 months to give yourself a break from more vet bills? Alternatively are you able to get a 0% CC to at least give yourself a breather from paying interest? Or just do a payment plan with your vets? There's no shame in doing what's best for you and giving them both a dignified ending. Sorry things are tough for you at the moment.

 

[Bellalily]

For some reason, I can’t reply to IrishMilo, but I think she may have misunderstood. My big man will take as long as he needs to recover, so not sure why she was talking about a dignified ending.

 

[Bellalily]

Don't take out more debt, especially with a flat purchase on the horizon.

It you want to cut your losses and PTS, then you don't need to ask permission from us here.

Do what is best for you.

Thank you for letting me thrash my thoughts on here. Talking to people at the yard next door and they’re saying oh she’ll come right, but no one has the solution for what happens in the meantime. I shall think on tomorrow whilst I’m bathing all three, and make the decision early next week, hopefully before anything else occurs. It’s going to be such a sad ending for her, but I’m also thinking before the two boys get even more used to her being around. Why are people so unkind?

 

[Bellalily]

Small claims court is quite a process. You would need receipts for your items and something in your loan agreement to show what she has. Any messages you have etc.

My friend went to court it cost her quite a lot of time off work to attend. The person who you are claiming against, if it goes to court, can specify the court area they want to attend. My friend went 3 times. It was over 50 miles away so had to take 3 days off work. Anyway she won and even though the judge said the person could pay over so many months no payment arrived. My friend ended up assigning bailiffs to deal with the matter. Loads of stress.

Yes, definitely not a road I’ll go down.

 

[Tiddlypom]

I’m rather muddled re your other threads. Had Maddy been out on loan for 16 years?

 

[JenJ]

I’m rather muddled re your other threads. Had Maddy been out on loan for 16 years?

Same here.

By the sounds of your other threads, you sold this mare 16 years ago and have recently acquired her from her previous owner. So are the tack and rugs you mention actually yours, or is it just that the previous owner said you could have them but doesn't seem to have kept to that? Did you purchase the mare from the previous owner or was she gifted to you?

If she was gifted to you, I'm not sure there's a legal case for claiming tack and rugs as well.

 

[Bellalily]

Same here.

By the sounds of your other threads, you sold this mare 16 years ago and have recently acquired her from her previous owner. So are the tack and rugs you mention actually yours, or is it just that the previous owner said you could have them but doesn't seem to have kept to that? Did you purchase the mare from the previous owner or was she gifted to you?

If she was gifted to you, I'm not sure there's a legal case for claiming tack and rugs as well.

She was sold to a dealer who then sold her on. I know legally she doesn’t have to send them, but if I’m to loan her out, she will need tack. And no, atm I don’t have a bean, so replacing it isn’t an option. I’m trying to find a rider for her to bring her back into work in the meantime, but again, without tack I can’t do anything. I’m not able to ride as I’m now in too much pain with my right hip. I tried a few weeks ago and it’s a no.

 

[DabDab]

I understand that you are in a difficult spot atm with finances and logistics, but is it really fair to loan out a horse of that age as a ridden prospect when you are struggling with her behaviour on the ground and presumably have no idea what she is like to be ridden?

Sounds like the least bad options are either to have the mare PTS or to send her away to retirement livery. I think it is probably worth trying to get her to settle in retirement with you for a bit longer though (unless you really can't afford her), as it is still early days in terms of when she moved to you.

 

[ihatework]

I don’t know the yard. I only have the postcode and it’s in Stroud whereas I’m in SE Kent.

I’m not a million miles away from Stroud - if you pm me the name of the ex loaner and postcode of yard I can ask around

ETA ignore the offer, having read just above, sounds like you don’t have any real claim on tack/rugs?

Edited again as I’m trying to get my head around what is going on. Maddy is an old mare you used to own and for whatever reason she has got into a bad situation and you have recently been able to re-buy her in her older years? Great, that’s lovely you have the option to secure her future in whatever way is best.
But since getting her back you have no real knowledge of her history since you initially sold her and she isn’t really settling in well? Plus you have financial issues. Therefore you are wanting tack and rugs to loan her out with?

If I’ve got the gist right, in all honesty just pts. She will be secure and you sound like you just can’t commit financially to an additional one.

 

[eahotson]

Don't take out more debt, especially with a flat purchase on the horizon.

It you want to cut your losses and PTS, then you don't need to ask permission from us here.

Do what is best for you.

Sometimes people need to ask permission in a counselling sense really.It can help.I agree PTS in the situation is fine.

 

[Bellalily]

I understand that you are in a difficult spot atm with finances and logistics, but is it really fair to loan out a horse of that age as a ridden prospect when you are struggling with her behaviour on the ground and presumably have no idea what she is like to be ridden?

Sounds like the least bad options are either to have the mare PTS or to send her away to retirement livery. I think it is probably worth trying to get her to settle in retirement with you for a bit longer though (unless you really can't afford her), as it is still early days in terms of when she moved to you.

Hi, I am now advertising her as a companion as I definitely can’t afford for her to be at retirement livery. I’m struggling with paying for them now with everything else that has mounted up. I’ll see if anyone wants her. Although I’ve probably priced her too high now. I don’t want her to end up at a dealer, again.

 

[Bellalily]

Sometimes people need to ask permission in a counselling sense really.It can help.I agree PTS in the situation is fine.

Thank you. Everyone is horrified by what I’m contemplating, so I’ve advertised her as a companion. We shall see. She’s on Horsemart.

 

[I'm Dun]

Hi, I am now advertising her as a companion as I definitely can’t afford for her to be at retirement livery. I’m struggling with paying for them now with everything else that has mounted up. I’ll see if anyone wants her. Although I’ve probably priced her too high now. I don’t want her to end up at a dealer, again.

Please DO NOT sell this horse as a companion. Please. Loan if you must but be prepared for it to go horribly wrong. But do not sell her. If you do you have lost control of what happens to her. Leo was on loan, and I got him back after a hell of a fight and effectively taking him when he was left unattended. If hed been sold I could have done nothing. His story is on here somewhere and all over Facebook. Hed been sold on, starved and probably beaten, ended up in a dodgy rescue that sold him on and was being ridden emaciated and lame. It broke my heart when I saw what they were doing to him. If I hadn't of been able to get him back it would have broken me.

I got him back, got him sorted and sound and he went on loan to another friend. Got sold on AGAIN, but this time I was keeping a much closer eye and put a stop to that. Im a mature student so permanatley skint the few grand he sold for would have been no end of help to me, doesn't matter. Hes worth more than that to me to keep him safe.

Hes on loan again now. Hes in his final home. If they cant keep him for any reason he will be quietly PTS. I would never ever ever let him be sold.

If you have taken this mare back only to sell her on as a companion you've done her a huge disservice. Please do not do it.

 

[Bellaboo18]

Hi, I am now advertising her as a companion as I definitely can’t afford for her to be at retirement livery. I’m struggling with paying for them now with everything else that has mounted up. I’ll see if anyone wants her. Although I’ve probably priced her too high now. I don’t want her to end up at a dealer, again.

Tbh people want/expect companions to be free. A companion loan home would be ideal but would she make a good companion? Not all horses do. She sounds stressy in the field(?)

 

[Tiddlypom]

You are trying to sell her as a companion?

 

[ester]

I’m so confused why did you agree to have her back I’d you couldn’t fund her?

So £1000