Payment Plans For Purchasing Dog?

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by VomHausCander on 08 December 2009 - 06:12

I was wondering if any breeders had experience with accepting payment plans to purchase puppies or adult dog from new owners? We were thinking of selling a very nice male 11 month old boy to a guy and he requested to be able to make payments. We felt uneasy about this particular situation and walked away from the deal. What has everyone's experience with payments been. Good, bad, dumb idea? Any safeguards for the seller?

Ironically in this particular situation it worked out well (for us) because when we explained to him we were not comfortable with payments he began to get upset and threatened to call the BBB and state police, lol. There was no written agreement or deposit, we were just going to show him the dog. After this experience it has made us think twice about allowing payments all together. How many people accept them and how is it set up? Anyone's thoughts and experiences on this topic are appreciated.

by VomRuiz on 08 December 2009 - 07:12

Sent you a pm :-)

Stacy

by Kaffirdog on 08 December 2009 - 09:12

I wouldn't sell a dog to someone who got stroppy with me, payment plan or outright.

I would say payment plans are risky, if someone wants to pay by installments, they can always take out a loan and make the payments to the loan company who are in a better position to deal with it if the the borrower renages on payments. Obviously it is a different situation if the buyer is family or a close friend, but still not without risk and if things go pear shaped the repercussions on your relationship will probably be considerable..

Margaret N-J

by noddi on 08 December 2009 - 09:12

i have done this once with a male which was returned to me after 6 weeks,i did not refund the original purchaser at the beginning.i made him wait till the 2nd purchaser had paid all the monies,which he did in weekly instalments.no problems at all but it not something i,d do on a regular basis.I DID NOT REFUND THE FULL MONEY ON HIS FATHERS INSTRUCTIONS,AS BEN,THE PUPPY,HAD BEEN PURCHASED WITHOUT HIS PARTNERS CONSENT AND HE TOLD ME A LIE WHEN I ENQUIRED WHY HIS WIFE WASNT WITH HIM.THAT TAUGHT ME A LESSON ALSO.Carole Spelman

by AmbiiGSD on 08 December 2009 - 12:12

Been there done that...was too soft and fell for the pack of lies the person spun.... felt sorry for them, allowed them to pay in installments, only ever got one payment, still owed £490 - and spent the past 4 yrs dealing with the crap and lies that have been spewed by said scrounger!.

Won't rest til I find out what she did with the pup because I sure as heck don't believe the crap she spewed about it's demise! And she's never been forthcoming with any form of proof to back up her little 4 yr fairy tale!

by eichenluft on 08 December 2009 - 15:12

I accept payments but only when I am reasonably familier with the person, have met them in person, and have agreed (in writing usually) to a certain payment plan. I don't draw the payments out for too long, and of course all papers are held by me in my name until final payment is made.

molly

by VonWal on 08 December 2009 - 15:12

I will only accept payment plans for anything (horses or dogs) with a legitimate written and signed contract (signed by both parties, time frame for payments to be made in full, time limits for "late" payments, penalties for late/missed payments, etc.), if the person can prove they would be a suitable home (references, etc.), the dog or horse is a fairly high price (aka not - "can I make payments?" on an animal that is $500,) and only relinquish ownership of the animal when it is paid in full.

I have sold a dog on payments ONCE, and it was a good experience, but I have also heard several horror stories from others.

by Liesjers on 08 December 2009 - 16:12

As a buyer, not a breeder, I see a dog as a serious commitment. If I don't have the money up front, I am willing to take my time, work hard and save it so I can purchase the dog. I do my research in advance so if there is a planned breeding I want in on, I have time to plan and save. Also as a buyer, I am uncomfortable with not owning MY animals in full. I'm not sold on co-ownerships or anything of the likes, even among good breeders and friends. I've seen/heard of it souring too many relationships. So if I cannot afford a dog outright then I will save or wait. I would not expect a breeder, even a good friend, to offer a payment plan. Then who owns the dog? Do you only own as much as you've paid? Who keeps it and pays for vet care and food while it's being paid off? When is the dog really yours? If you absolutely need THAT dog and don't have the money, maybe put a deposit down or get some sort of loan from somewhere else. Breeders already have enough crap to deal with, they shouldn't be expected to be working out loans and payment plans.

by DebiSue on 08 December 2009 - 17:12

I am not a breeder but I would find it very difficult to agree to a payment plan having been burned myself in other situations. People can be so persuasive when they really want something. Some people have good intentions but run into hard times. I would do it only on a rare occassion and I would have to be very familiar with a person an have an application filled out and info verified prior to the release of a pup. Maybe have it lined out ahead of time with the puppy staying with me until I am paid in full with no refund of any payments if following payments fail to appear.

That being said...I made payments on our first GSD! I think they really wanted to get rid of her, they had her on consignment at 18mo. We were committed to her and had her spayed before the 2nd payment was sent. I'm sure they would have had a cow had they known. But then again, I tried to contact them afterwards to ask some questions about the dog and previous owner since it was obvious this dog had been abused. I got nowhere, so they probably would have settled for the first installment, happy to be rid of her. Live and learn.

Deb

by CrysBuck25 on 09 December 2009 - 03:12

I sold a horse on payments once..After the second time she was more than three payments behind, I decided enough was enough and repossessed the horse. He'd been abused, neglected, and was sick. No more payment plans for me. I don't breed, of course, GSD or anything else, but if I did, I would have to say that if a person wanted to make payments, then I'd keep the pup until it was paid for, they'd have to pay a little more, and I'd start foundation training at the least.

That's just my opinion/

Crys

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