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Post by sweetpea on Nov 1, 2010 8:17:00 GMT
i am sick to death of stupid timewasters.i cant believe i havent sold my yearling yet.shes a nice coloured make approx 15h.only £500pds.had approx 20 enquires.but people just take the p...  had someone ask if they can have on loan and pay installments.i feel that if they cant pay that then dont waste my time.i want my filly to have good start to life and dont want idots messing her up.aaaaaaaaaaaaaaaagh!thats better ;D |
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Post by ruftytuftyrider on Nov 1, 2010 13:46:07 GMT
Totally understand where you are coming from.
When we were looking for a pony I searched for ponies within our budget and did not even look at ones over budget online let alone contacting the owner.
Think it is bad manners to waste someone's time if you know you can't afford it look elsewhere.
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Post by hatman on Nov 1, 2010 13:58:03 GMT
I spend hours looking on beautiful animals on horse quest dreaming but would never phone or go and see them unless i was looking and had that kind of money to spend.Why would you wast your own time and money driving around to see these animals £500 is not a lot of money they would not be able to afford to keep a horse properly if they cant afford that.
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Post by ilovenatives on Nov 1, 2010 14:26:17 GMT
Hatman i love a bit of fantasy horse shopping on Horsequest as well , even my 9 yearold daughter often has a look on there to see if there is anything she would like . Like you we wouldnt dream of ringing up about any we like though or going to see any as we are not looking for another pony . Im sure that some just see it as something to do and have no intention of buying .
Our current fantasy pony is Sidehills single malt but unless i win the lottery i cant see me coming up with the £8000 somehow ;D
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Post by kelliwic on Nov 1, 2010 16:22:29 GMT
I think you have to realise people are struggling more and sometimes paying in installments is a good thing if its the right home.
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Post by horseymadamz on Nov 1, 2010 17:27:20 GMT
i kinda of agree with you kelliwic with the times been how they are some people cant afford ponies horses out right, i sold one my horses a month ago and the lady paid in 4 installments she had her own stable land etc but just couldnt afford an initial big lump sum and at the price some horses are up for im not suprised, we signed paper work and i kept passport til he was paid for and lady says can pop round whenever to see him so all is well, at same time it does get annoying when you put a horse up for a price saying no offers then get people trying to knock you down by loads even though the horse already cheap for what they are
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Post by pipandwill on Nov 1, 2010 18:56:18 GMT
WEll said,
I have a brill 13 whp for sale, he is up for a very cheap price as he hs competed at lots of major shows with success and done pc etc, People have come to try him, they have addored him and said they will ring up later, do they NO. Simply because they cant afford him, What a waste of mine and theur time!
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Post by perfect on Nov 1, 2010 21:44:31 GMT
Things are tight as we all know. and a lot of people can afford to keep there ponies, but not a lump sum..if someone offers a good deposit, and will pay within a certain time, surley its better to accept that and have a sale. mI have just sold a lovely pony from here, i had 5 peoplke enquire strai8ght away for her , the first lady who came bought her(i reduced price)_ as she was going to a lovelyhome and littlegirl who loved her straight away. and away she went. I think i was very lucky as not many people are buying
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Post by caron on Nov 1, 2010 23:50:10 GMT
Things are tight as we all know. and a lot of people can afford to keep there ponies, but not a lump sum.. Exactly! Well said perfect, I'm sorry but to say that if someone can't afford 500 quid outright then they can't afford to keep a pony is just tripe! I bought a mare from an ad on here, she wasn't mega bucks at all but seeing as I have 2 other ponies, a mortgage, cars and lorries to run, kids to feed, etc etc I didn't have the cash to buy straight away. The seller said she would let me have her on LWVTB by a certain date, left a deposit and paid for her a month later, and up to now, I have been able to afford the rent for 3 ponies and feed them as well and take them to shows so thats proved that theory totally wrong- I can afford to keep them even though I can't afford to buy them  |
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Post by sweetpea on Nov 2, 2010 6:55:17 GMT
i have thought hard about this,and i have told person that im not willing to lwvtb.but would take deposit ,then installments till paid in full.shes only a baby and dont want her being shunted round.id rather keep her till need summer.i sold a cracking rp filly to someone i new.gutted as she had her advertised 1 wk later for triple money.cant see her getting it.usually good judge of people.
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Post by icarus on Nov 2, 2010 7:53:57 GMT
Things are tight as we all know. and a lot of people can afford to keep there ponies, but not a lump sum.. Exactly! Well said perfect, I'm sorry but to say that if someone can't afford 500 quid outright then they can't afford to keep a pony is just tripe! I bought a mare from an ad on here, she wasn't mega bucks at all but seeing as I have 2 other ponies, a mortgage, cars and lorries to run, kids to feed, etc etc I didn't have the cash to buy straight away. The seller said she would let me have her on LWVTB by a certain date, left a deposit and paid for her a month later, and up to now, I have been able to afford the rent for 3 ponies and feed them as well and take them to shows so thats proved that theory totally wrong- I can afford to keep them even though I can't afford to buy them I totally agree, we have three ponies and my husband has told me in no uncertain terms that i am not allowed to BUY until one is sold to fund it! I do not have access to a lump sum of money to just go out and buy another horse but would be able to pay in installments as he would not notice! To say i couldn't afford to keep a horse is just daft all my ponies are treated like royalty and want for nothing! |
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Post by eskvalleystud on Nov 2, 2010 11:08:27 GMT
why cant the people just not save up and buy when they have the funds available???
I once sold a very nice Welsh D palomino filly and allowed the person to pay in installments as was known in the showing/horse world and ran a stud etc, all I am saying is it was quite a stressful situation and wouldn't ever do it again!!! it didn't go exactly or as smoothly as planned! I wouldn't ever recommend this - tell them that you will sell the filly to them if they have the funds available and filly not sold by the time they have saved up
I do agree that the thought that people who do not have the lump sum cannot afford to look after can be a bit OTT and untrue but at the same time either wait until funds available to buy outright then it saves both purchaser and seller a lot of heartache as even the best of friends things can still go sour with these kind of transactions!!!
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Post by xxshowponyxx on Nov 2, 2010 11:26:15 GMT
If people want to pay monthly advise them their bank will offer them this service, its called a loan!!!!
If people are able to afford the monthly payments and intend on paying back on time than this is the perfect solution!
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Post by icarus on Nov 2, 2010 12:06:16 GMT
If people want to pay monthly advise them their bank will offer them this service, its called a loan!!!! If people are able to afford the monthly payments and intend on paying back on time than this is the perfect solution! Do you think in this current financial climate that banks are lending willy nilly? for the funding of ponies? Also the hefty interest paid on a loan and all the paper work? I know for one my husband would throw a fit if i took out a bank loan to buy a horse! |
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Post by hatman on Nov 2, 2010 12:25:52 GMT
£500 is not a lot of money when you consider what it costs to keep a horse for a month and vets bill can cost a lot more than £500 I would be worried about someone taking on a horse that they may not be able to afford. I think if you know them then thats different but how do you know you would get your money? thats just me others maybe fine with that arangement. Its not like you put a add for a loan with view to buy then i would be ok.
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Post by Guestless on Nov 2, 2010 14:24:24 GMT
I don't think an instalment idea is bad if you know the home is the right one. I am currently selling one and buying another using instalments. I actually approached the person who is buying mine as I knew she would like her. Likewise, the one I am paying up was offered directly to me and I knew I didn't want to miss out on her. I can afford the small extra amount per month to feed another one, but couldn't afford to find the money to buy her outright. I agree (re this particular case) £500 isn't a lot of money, but if means someone can afford to pay the necessarily monthly costs to keep a horse, then I wouldn't shoot someone down for offering to pay by instalments. At least that way the cost of care is no longer yours - you could end up paying more to keep her over the winter than what you are turning down.  Having said all that, you do have to trust the person buying though. |
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Post by eskvalleystud on Nov 2, 2010 15:17:01 GMT
I went through a stage with the person I allowed to pay by installments where I had an awful lot of hassle to get the money - the monthly installment was only just over £100 but person said pony had started to not be nice to her and bla bla bla things went bad with getting paid what was agreed on - it turned sour but I eventually got the full amount but it took quite a while to get the full amount and talk about stress!!! the filly was looked after I never doubted that for a min but doesn't mean that you will get your money (easily!!!) I wouldn't reccommend this route at all, what if they took her, paid you £100 and then had a really big vets bill they needed to pay or she got injured and was handed back to you unsellable or in need of alot of veterinary treatment etc, I know you'd have a written contract but its amazing how this doesn't stand up when things go sour unless you have a good (cheap!!!) lawyer!
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Post by chloesmum on Nov 2, 2010 15:54:09 GMT
Good choice ilovenatives!! and your little girl would look lovely on him but of course I am biased as we used to own him! I can't believe that someone hasn't snapped him up yet, but I guess as has been said 'sign of the times'.
We are selling our horse and have to say have found most people to be very honest and if he is not in their budget they have said so which I really appreciate.
Re loans I think most people could pay £500 on a credit card but would agree maybe a larger sum might be difficult these days.
I think it just pays to be honest in terms of what you are looking for and how much you want to pay.
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Post by icarus on Nov 2, 2010 15:55:28 GMT
I went through a stage with the person I allowed to pay by installments where I had an awful lot of hassle to get the money - the monthly installment was only just over £100 but person said pony had started to not be nice to her and bla bla bla things went bad with getting paid what was agreed on - it turned sour but I eventually got the full amount but it took quite a while to get the full amount and talk about stress!!! the filly was looked after I never doubted that for a min but doesn't mean that you will get your money (easily!!!) I wouldn't reccommend this route at all, what if they took her, paid you £100 and then had a really big vets bill they needed to pay or she got injured and was handed back to you unsellable or in need of alot of veterinary treatment etc, I know you'd have a written contract but its amazing how this doesn't stand up when things go sour unless you have a good (cheap!!!) lawyer! I agree but i suppose if the home is a good one then it might be worth a leap of faith? Not everyone is as straight and honest as myself and i have heard of very stressful situations and this route is not for everyone, but worth considering? |
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Post by showjumper007 on Nov 2, 2010 19:19:56 GMT
I know when i tried to sell my pony a will back people pretend to be interested in her and keep seening emails asking pointless questions. Then making a excues at the end  |
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Post by xxshowponyxx on Nov 2, 2010 19:35:42 GMT
If people want to pay monthly advise them their bank will offer them this service, its called a loan!!!! If people are able to afford the monthly payments and intend on paying back on time than this is the perfect solution! Do you think in this current financial climate that banks are lending willy nilly? for the funding of ponies? Also the hefty interest paid on a loan and all the paper work? I know for one my husband would throw a fit if i took out a bank loan to buy a horse! But in the present financial climate you expect a person who is usually unknown to you to offer you an interest free loan when they most likely have their own horses to fund, or a new horse to purchase?  |
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Post by icarus on Nov 2, 2010 20:27:34 GMT
Do you think in this current financial climate that banks are lending willy nilly? for the funding of ponies? Also the hefty interest paid on a loan and all the paper work? I know for one my husband would throw a fit if i took out a bank loan to buy a horse! But in the present financial climate you expect a person who is usually unknown to you to offer you an interest free loan when they most likely have their own horses to fund, or a new horse to purchase? This was in no way meant to be personal. Its an option worth considering for some people. |
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Post by perfect on Nov 2, 2010 23:26:23 GMT
You could alwayskeepholdof the animal, until fullamouint paid.. givern a specific time allowed or lose deposit.
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Post by chorro on Nov 2, 2010 23:51:01 GMT
I know I couldn't afford a lump sum at the moment but I don't think I would even dare ask to pay someone in installments but thats just me, I actually think its a good idea.  I love to window shop for ponies but would never enquire about them unless I had the money. |
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Post by sweetpea on Nov 3, 2010 6:46:15 GMT
i have told person i would keep horse till payment made in full.home is important.if there genuine they wouldnt mess about.if they mess about at least i got the horse.x
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Post by chorro on Nov 3, 2010 20:00:16 GMT
Sweetpea that probably is the best solution. Good Luck |
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Post by ToriAnne90 on Nov 20, 2010 12:12:14 GMT
I know that paying by instalments can be brilliant if you find the right person. Cause i am looking to buy but would like to either loan for 2/3 months then buy or half and half. It would be looked after better than people that have loads of money as some people not all some people with lots of money dont really care and dont give the horse the love as well as the food and stabling and i think that a horse needs love as well as everything else. I might not be able to pay in full for a horse but i know for definite that ot would have everything it needed and all the love it needed. So i think that it is untrue that people that may not have the money straight away shouldnt buy xxx |
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Post by Show Condition on Nov 22, 2010 17:21:18 GMT
I've just sold a horse & have agreed that the buyer could pay the final balance after Christmas. It's a really good home & is someone I've known for a long time (I did ensure she signed an agreement to that effect though).
In this instance it's suited both parties & the mare has a lovely home. It can work out but if someone couldn't afford £500 then I'd be concerned how they would afford to keep the horse?
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Post by thecremellosociety on Nov 22, 2010 18:11:07 GMT
a payment plan can work well if honesty and done with a water tight agreement, i personally couldnt get a bank loan as thanks to my ex he left me in a mess with credit, doesnt mean i cant afford things. Like most thinks offer and do take refernces and stick to it on all sides x
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Post by amumwithapony on Nov 23, 2010 7:29:29 GMT
I think in some cases paying by installements could be a good idea. I paid for my mare like that but I was very well known to the person I bought her off (i'd had her on loan for a year!) and she stayed on her yard.
However, when you are only talking £500 I too owuld be worried about whether they could afford to keep a horse at all. My mare had an accident and although she was inured the extra's she needed as well as transport, came to well over £500 when you factored in time off work to take her to horsepital etc.
If someone couldn't afford £500, within a reasonable time scale, ie end of month when paid etc, then I would be worried. A call out fee, examination and basic AB's or Bute could cost around £100, innoculations are about £60 and a reel of hayledge about £25. Even if someone has there own land and yard I would be worried that someone who can't afford £500 (which could be a garage repair bill) couldn't afford to keep the horse if something went wrong somewhere along the line.
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