Try again. The OP lives in Mexico.
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OP is in Mexico.
The change to allow people to stay on their parent’s policy until 26 has more to do with jobs with full benefits packages rapidly disappearing & the companies pulling the old 28 hour a week “Part Time” job trick.
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She breached the contract. It should be void or you should get damages depending on how its written. Tell her shes breached and don’t let her ride again. You may need to resell.
Sadly, because she is also your trainer’s client, the trainer may be doing all he can to make excuses for her, and not to offend someone who is also paying him money for lessons and training.
I’m far from an expert on contract law–in my own country or internationally–but was the contract in writing or verbal?
In the U.S., it’s not uncommon to have a trial period, after which the buyer can return a horse that is not working out, but in those instances there is always some kind of a deposit for the wear and tear the horse might take, the risk of the horse being under someone’s control, and as a disincentive to return the horse just because he’s not 100% perfect the first week. There’s also often limits on what can be done with the horse during that trial period (like no showing or riding off the buyer’s property).
The 24 year-old is legally an adult, and it’s not your responsibility as a seller to know the details of her finances.
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Sorry to hear! Looks like you dodged one heck of a bullet.
I’ve sold a few horses here and there. I only sell to whoever is paying me, and only hand the horse over, or any rights to the horse, after cash and a notarized and signed by all parties bill of sale is in my hand. IE if mom is buying the horse for a minor OR adult child, I sell to the mom, not the child. It’s up to them how they want to deal with it after that, but I wouldn’t ever put the bill of sale in anyone else’s name other than who was paying me.
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Not exactly. Allowing dependents to stay on a parent’s policy was part of the ACA, colloquially and incorrectly referred as Obamacare, the same legislation that tried to address the “28hr/wk part time not eligible for benefits” dodge, somewhat less successfully.
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Yup. I’m a recently licensed insurance agent. I found out more than I ever wanted to know about the ACA preparing for the exam. Perhaps I should say that raising the max age to 26 was intended to address several industry issues & nothing to do with whatever “kids these days” biases some members of the older generations may have. Better?
Eta: The cynic in me also suspects this has nothing to do with the prospective buyer’s relative maturity to age and everything to do with her being a scam artist who saw the OP as a good target based on her young age & inexperience…
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From an administration standpoint, the age 26 rule was a freakin’ gift. Dependent audits and tracking dependent status was a nightmare. And let’s face it, 18 - 26 year olds are generally cheap to insure, so that was a provision of the ACA that was relatively cheap to implement and beneficial to most parties.
Prior to the ACA, there was Michelle’s Law, that prohibited insurers from dropping a dependent when they dropped out of college for medical reasons. Can you imagine the situation that made that necessary? A 23 year old with a serious illness drops out of college, is then dropped from her parent’s plan because of no longer being a student and then can’t get coverage because of the pre-existing condition exclusions in place at the time.
The ACA made that law both unnecessary and obsolete.
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