When you pay cash for a horse.......

Enfys

Enfys

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If you pay cash for a horse, when do you hand it over?

Before the horse is loaded?

After the horse is loaded?

Years ago I was on a yard and a hunter was sold for a substantial amount, cash handed over before he went on the lorry.

What do you know, he took a dislike to the lorry, or the buyers (who were a bit louder around him than we were) and would not load, we loaded him on ours in seconds, offered to deliver, but they demanded their money back.

Huge row ensued -
seller said "Look, he loads"
buyer saying "Not in ours though"

In the end the seller grabbed the horse, snatched his bill of sale back, threw the cash on the floor and marched off, horse in tow.
 
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When we sold our boy for cash the money was exchanged after he was loaded and we said our goodbyes.

When we bought our new girly we again only handed over cash after she was unloaded and settled in the field :-)
 
Cash.... always cash. I have usually tried the horse on the box first and normally fetch the same day - only horse i have ever had vetted was a nightmare health wise and he was collected as the vetting was finished.

We have given the bank notice on the sum we wish to withdraw to make sure they have enough cash in for us, but it has worked for us in the past.

Cheques - can't they take 30 odd days to be "cleared" ?
 
Before loading, because from that point, the horse is the buyer's responibility.

Not really relevant, but 25 years ago, I viewed a horse, rode it, liked it. Went back with the money to collect it. Paid the owner, put pads and travel bandeges on it's front legs, moved to the near hind, bent down, BAM! he kicked me right across the stable, I slithered down the wall like a cartoon character. She had to give me my money back.
 
hayinamanger said:
Before loading, because from that point, the horse is the buyer's responibility.

Not really relevant, but 25 years ago, I viewed a horse, rode it, liked it. Went back with the money to collect it. Paid the owner, put pads and travel bandeges on it's front legs, moved to the near hind, bent down, BAM! he kicked me right across the stable, I slithered down the wall like a cartoon character. She had to give me my money back.
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Did she not give you any idea ??? :( your lucky you were not killed !
 
buying or selling the money changes hands before the horse/pony is loaded, i certainly wouldn't let anyone load a horse i was selling before i had the cash in my sweaty little paw, once the cash is passed then ownership passes too , i don't want to be responsible for a horse on someone elses lorry!!
 
But there is nothing to stop anyone asking to see the horse or pony load either on your box or theirs before you agree to the sale - its a bit like seeing him her tacked up or caught in.

Two things I won't put up with - one you can't catch and one that won't load - anything else is not a deal breaker but these two for me are.
 
This thread brings a memory back.

Bought a high value horse from a pro dealer in the south 9 years ago now. Tried him twice in school, hacking etc. Watched him load onto dealers huge scania no problems.

Did the deal and arranged to collect him the following weekend, offered cash and got a bit knocked off, something called VAT !

With the large amount of cash stashed in my rather humble leyland daf shed of a lorry we travelled the 200 plus miles to collect the horse. Into the office and paperwork done I asked for the horse to be loaded before I handed the cash over. Dealer was fine about this and the groom took the horse to my lorry. The horse, all 17.2 of him said -'no chance' and proceeded to refuse to load for half an hour. The dealer took him to the scania and in he jumped no problem. The scania ramp was twice as steep as mine and the inside was no roomier than my 4 horse daf. The groom tried again but the horse planted again so I called the deal off and started closing the front of the lorry up to leave. The dealer asked me to try to load the horse instead of his normal handler/groom. I laughed and said there is no chance of a stranger loading him and I cannot buy a tricky loader as I am often alone at home. I was upset, it was a super horse, passed the vet and the only one that I liked after trying loads and loads of potential purchases spread all over the UK.

Against my better judgement I did try to load him, he walked on without question ! but surely I didn't want him anymore, surely I was buying trouble.

I was parted from my cash and the horse proved to be the best I have ever had, taking us to HOY's twice. He was a tricky loader in the first year with us and after exhausting the 'follow a carrot' route, which did not work, he got a swift kick up the bottom and never refused to load throughout the six years he competed. He broke down in 2010 and after a year of box rest he was due to go to the vets for scanning - guess what - he refused to load and won because with the dodgy leg a fight on the ramp was out of the question.
 
I've always paid cash before loading, if I was selling I'd want the cash before they loaded - what's to stop them just driving off !!!
If I thought loading was going to be an issue or was a key concern of mine I'd ask to see the horse loading (into lorry or trailer - whichever I would be using) before I agreed to buy him.
 
Depends really as if money has already changed hands before the horse is boxed and said seller says he boxes ok and doesn't regardless of what money has changed hands the buyer has the right to refuse to buy the horse imo as the horse obviously isn't as described x
 
When selling livestock, bitter experience has taught me that ownership passes with the money and the warranty extends only as far as the gate! These days if there is no cash, there are bank transfers.

That might sound a bit harsh but then I would not sell anything I wouldn't be pleased to keep. There's the tack and there's the pony. You can try it on my premises and I will tell you all I know, good and bad, because repeat business is the best business. But who knows what a new owner will do? Years to make, minutes to break.
 
I paid cash for my girl, I handed it over when she was in my stable. She had been delivered by her old YO (2 hour journey) so the owners got the cash next time they went up to the yard I guess! I'm not sure I would let her off my yard before I got the cash, but each to their own...

ETA if I had gone to collect her I think I would have paid last thing (i.e. after she had loaded)
 
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This is interesting as I'm currently shopping for a new horse and loading is a deal breaker for me, as I need to be able to load all by myself (no pulling back when I try to put the breach bars across etc).

I have a horse that sounds just what I'm looking for and she says it loads well- but I want to see that 1st.

Can I say when I view - if I like it - that I would like to see it load into my trailer- if we don't put the ramp up or even give her my car keys as some security that I'm not going to just drive off. I as a seller would be happy with that- would you???

I had one before that had always loaded perfectly into our trailer- even being the one we used to lead others in but when new purchaser arrived with lorry it would not go in so i happily gave the money back.
 
I think loading is a bit of an art and if a horse has got a but he will smell indescion quicker than a feed bucket.
I bought a pony from a friend who traveled him in a trailer, he would load if I or her husband was there. When I bought him he took one look at my slight 12 year old and said no way and once he started it would be a battle. As we cub hunted and I had no wish to get my husband up we used to take a pony to stand on the lorry with him, if the pony was on first he would race up the ramp.
I once loaded a friends pony which walked straight on and then didn't see it for 3 years as it was sold. In this time it had become a g** to load as it new owners did not have a clue and it knew it.
 
nikCscott said:
Can I say when I view - if I like it - that I would like to see it load into my trailer- if we don't put the ramp up or even give her my car keys as some security that I'm not going to just drive off. I as a seller would be happy with that- would you???

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Anyone that has an issue with this to me would be hiding something.... its a bit like you turning up half an hour early to find said seller working the horse into the ground....
 
As soon as the cash has changed hands then the horse is then their problem. I sold my 2 year old having never loaded him which I did put in the ad. The buyer paid and then spent half an hour trying to load (I was helping of course) however as soon as he was on she jumped in the car and went so no chance for goodbyes!! Glad she gave me the money in the stable otherwise she would have driven off with the horse and money :)
So in my experience, selling a horse, the cash changes hands before the horse is loaded.
When buying my big lad he was unloaded, put in his stable and checked over before I paid.
 
As I paid a 10% deposit and arranged for my horse to be collected by a transport company, we tried to do everything as best we could and the seller emailed me receipt of the deposit and then something like 'the balance is to be paid on the morning of collection and the horse will leave when the funds have cleared. If the horse will not load or there is a problem then the money will be refunded in full' or something like that which I then agreed to by email along with some details of the address where she was to be kept for future reference. I also did all transfers online to make it traceable. It is a bit scary transferring that amount of money and I think you do need to write things down! I trusted the seller and still speak to he often, but if I ever doubted the seller's integrity but really thought the horse was worth it I would go with cash and hand it over when the horse was loaded and I had the passport, but I would do a deposit so they know I am not messing about.

I would also be wary of paying up front for transport as I am still waiting for my deposit back on a company whose van apparently failed on the original morning of transport so I had to book another company :-/
 
Hmm, now at my work, we can only charge follk once the items leave the gate of our premises, but we already have a contract of sale.
In a shop, you pay then take the goods.............

When I bought my horse I paid after I had been given and inspected the horse and all that came with and it was all loaded.
 
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