Join Date: May 2012
Location: CT USA an English transplant
If you have all the proof that you have made payments to her she has no chance of winning in court- and with no contract she actually can't claim that you owe her anything at all. An agreement to pay for services has to be in writing and signed by both parties as far as I can see.
The horse is your property, it belongs to you. If she wanted to claim the horse in lieu of missed payments she surely has to go through a legal process to do this
Go get your horse with some bolt cutters and leave her a new padlock. If she feels that you owe her money then she can then go through the correct legal system to do that - that is she has to establish how much you owe her with evidence of that and you get the right to challenge her with your evidence. If you lose you pay up in cash - not with a horse
Since the horse is legally yours and she has no evidence to support that you owe her anything you could go to the police and tell them she has stolen it - which in point of fact she has
One thing to consider here is that all the time she has possession of your horse does she feel she should have the right to charge you board for it?