Hi Ron
Can I assume, from your equine references, that a black horse is involved here? ;-)
My own story of a financial institution making a 'slight' error might interest you. Back in the mid-1990s, I was unemployed and I'd persuaded a well-known building society to accept a nominal payment of �10 per month until I found a job. Unfortunately (personally) but fortunately (financially) my father passed away and left me quite a bit of money. I got a quote from the building society for the amount necessary, on a given date, to pay off the mortgage in full. I obtained a draft from my bank for the required amount and presented it on the due date. I rejected the building society's offer to store my deeds and asked that they be posted to me. After a couple of months I got a letter from the building society. I fully expected it to relate to the return of the deeds. Instead I found that it was a notice of repossession because I'd failed to keep up with the �10 monthly payments! (Yes, they'd managed to 'lose' a payment of over �35,000!!!). I had great fun sorting that out ;-)
BTW: No horses were involved. Just think about ferry services across the Thames to identify the building society ;-)
Chris