This is a great starter saddle! I liked it very much, it just no longer fits my young warmblood. It is English made by Frederick Chandler in Marlborough. Flaps are flexible, billets in good shape, certainly scratched, but not torn, stitching all in good condition. It has been well loved, missing a few D-rings. It is very nicely balanced, I was able to trail ride in it comfortably. I used a good pad, as the panels underneath are pretty stiff, but when I took it to the saddler to be restuffed after I bought it, he told me they were fine. It is a wide tree with an 8.5 inch gullet. I would happily keep riding in this if it still fit him. No fittings included. Sorry, but no refunds.