Updated: 01 September 2025

Originally Published: 28 February 2025

The UK consumer market has benefited from thousands of car finance agreements from Black Horse Finance. However, numerous borrowers found out that these contracts included hidden commissions, wrongful interest rates, and deceptive sales methods. You can claim compensation from Black Horse Finance if your agreement was mis-sold. This includes hidden commissions, excessive interest rates, or misleading contract terms. To receive the compensation you deserve, you must understand both your rights and the claims procedure.

The correct procedures for compensation enable you to recover additional funds while ensuring the lenders face their sales wrongdoing. According to finance claims experts, handling Black Horse claims and other lender claims promptly improves the chances of a successful outcome.

The guide explains how to identify unfair agreements, along with methods to collect evidence. It also describes the actions to take after attempts were unsuccessful.

Can You Claim Against Black Horse Finance?

Step 1: Determine Your Eligibility

You must evaluate your car finance agreement for mis-sales problems before making a claim against Black Horse Finance. Many customers discovered that they were unknowingly charged fees and endured inflated interest rates. They also got misinformed about agreements. A compensation claim becomes possible when you face such issues with your agreement.

Compensation from Black Horse Finance depends on how key loan information was handled at the time of sale. Any finance agreement that displays improper selling will help you establish your case for compensation.

In August 2025, the Supreme Court found that the mere existence of commission does not render every car finance agreement illegal. [1] However, if the Black Horse broker or partner dealership in question hid a discretionary commission, or otherwise inflated the interest rate to pay that commission, that agreement could still be deemed to create an "unfair relationship" for the purposes of consumer credit law.

Were You Charged High Undisclosed Commissions?

The inclusion of undisclosed high commissions by either a dealer or broker transforms your finance agreement into a more expensive arrangement. Therefore, having no knowledge of hidden costs will help you build a favourable claim for reimbursement.

Hidden commissions can significantly increase your finance costs. If you were unaware of commissions at the time of signing, check your contract carefully for undisclosed fees.

Were You Charged Unfair Interest Rates?

When dealers or brokers excessively increase interest costs, their behaviour becomes unfair. This is because the size of the commission influences different financing costs. As a result, users who secured Black Horse Finance warrant compensation [2] when they were not properly explained about the interest fee. A comparison between your interest rates and typical market rates from that period will help you gauge potential agreement unfairness.

Were You Misled Into Taking Finance?

Customers ended up signing car finance agreements without correct information about the terms. Sales staff who inform customers that Black Horse Finance is their only financing option, or force them into finance agreements, could potentially commit mis-selling practices. Black Horse customers received inadequate information regarding key finance elements. They were not aware of balloon payments, mileage restrictions, and voluntary exit terms.

Therefore, the finance will be considered mis-sold to you if no thorough explanation was provided. Individuals who face the described situations should evaluate their eligibility for bringing a Black Horse claim.

Once your car finance agreement shows indications of mis-selling, it becomes vital to build a strong case through proper claim preparation. Similarly, after understanding precisely what makes you eligible for compensation, you must collect relevant documents. A clear record of loan documents and correspondence will support your case.

Step 2: Gather Supporting Documents

After establishing your car finance agreement, you should assemble the needed documents that support your claim. The processing of complaints at Black Horse Finance requires unambiguous documentation. Your claim has a higher chance of getting delayed or denied if you do not present the required documentation to the lender.

Detailed records regarding your finance agreement, loan statements, and all correspondence with lenders and brokers will boost your ability to win the case. The documents you gather will show mis-selling of the agreement while demonstrating the financial impact you experienced. The probability of obtaining a successful compensation rises when you present convincing supporting documentation.

Why Are Supporting Documents Important?

Your case requires appropriate documentation to succeed. Black Horse Finance can dispute your complaint if the necessary information is missing. The paperwork helps you prove the mis-selling of your finance agreement to Black Horse Finance and its staff.

Additionally, the processing of refunds demands written documentation regarding mis-selling from lenders. Your complaint submission strength will increase when you gather all the necessary information in advance.

What Documents Do You Need?

Your success in a complaint against Black Horse Finance depends on submitting documents that prove your allegations. Such records enable you to prove that your finance agreement was unfavourable. A lack of proper documentation makes it difficult for you to supply the fundamental evidence required to get a refund.

A comprehensive supporting document serves distinct purposes in case construction because it validates payment disparities. As described in the next sections, you must obtain particular documents prepared for your claim submission.

Your Black Horse Finance Agreement

A finance agreement reveals essential loan details via terms that incorporate interest rates. It also features commission fees with repayment arrangements. The examination of this document will reveal any incompatible or unethical clauses embedded within it. Black Horse Finance will provide you with a duplicate of your agreement whenever you need one.

Loan Statements Showing Interest Rates and Charges

The review of loan statements reveals additional fees and excessive charges that may exist within financial documents. Your loan statements reveal both the total funds paid to the lender and any unscrupulous interest rate hikes found within the records. Your review of statements enables you to calculate the amount of compensation that should be returned to you.

Written Correspondence with the Dealer or Broker

The evidence value of cases against mis-selling depends heavily on email exchanges and written messages sent to the broker or dealer. Your case receives support from records that highlight both wrong statements and the absence of clear term explanations by salespeople. Evidence of mis-selling can be obtained from any brief communication that refers to commissions or interest rates.

Evidence of Financial Hardship

The presentation of proof regarding financial obstacles from your mis-sold finance agreement may enhance your claim. Stamped documents from banks and credit reports, alongside letters from financial advisors, will show the negative financial consequences of the mis-sold agreement. Evidence about your financial problems due to high charges is useful to support your case.

After you have collected and organised your supporting documents for the claims procedure, submit your complaint to Black Horse Finance. Sending your complaint at the proper time will help you meet the deadlines for complaint investigation. Contacting Black Horse Finance properly starts the process of obtaining compensation for the wrongfully sold finance agreement.

Step 3: Contact Black Horse Finance

Submitting your claim to Black Horse Finance requires all mandatory documents to be collected first. You must take note that the complaint investigation process operates under time limits. Therefore, submission needs to happen right after the issue's emergence. A compensation claim for a mis-sold car finance agreement starts with an official filing to Black Horse Finance.

Mis-sold car finance? Here’s how to get your money back. First, you can consult with a finance claims expert for detailed information about claims procedures. These sections detail how to file a complaint, along with which vital information creates the most desirable outcome.

How to Claim Against Black Horse Finance

To start the process of recovering compensation from a mis-sold car finance deal, you should file an official complaint. Black Horse Finance must examine every customer complaint in detail. They also need to respond to customers within a time frame of eight weeks. 

You can refer your complaint if you do not receive a response from Black Horse within 8 weeks. In early 2024, the Financial Conduct Authority (FCA) began a review of historic car finance agreements with Black Horse and other lenders, and have paused processing of complaints [3] "to enable us to agree a fair and consistent approach to resolving consumer cases."

The success of your claim allows you to regain excess interest, together with additional charges, that help offset the financial dissatisfaction from the missold agreement.

Ways to File a Complaint

Your complaint submission effectiveness determines your success. However, different complaint filing methods exist which affect their processing speed.

A written complaint submitted, either through physical letters or digital forms, proves the most powerful medium when managing a claim against Black Horse Finance. The next sections detail multiple complaint-filing procedures and steps for appropriate complaint management.

Write a Complaint Letter

The complaint document should present clear reasons about how your finance agreement received improper sales treatment. The letter should contain specific details about the deceptive information, along with references to supporting documentation. Recorded delivery will create an official history of your complaint sent to the recipient.

Submit an Online Complaint

The online claims form [4] stands as one of the fastest submission methods that Black Horse Finance offers. The online claims form from lenders represents a speedy path to submit complaints, leading to immediate first responses. Include all needed supportive evidence by uploading documents to this claims submission pathway.

Call Black Horse Finance Directly

A customer service representative will offer immediate help on the Black Horse finance claims procedure over the phone. A written complaint should be submitted after providing verbal feedback because it ensures your claim receives official document entry.

Pay attention to possible results after you send your formal complaint to Black Horse Finance. There’s a possibility of denial or insufficient response to your claim. It is essential to understand the escalation process when dealing with denied or insufficient complaints because your rights depend on knowing it. You can get fair compensation through the Financial Ombudsman Service while following up effectively on your own complaint. Your persistent efforts to settle the matter are the key to reaching a successful outcome.

Meanwhile, in October 2025, the FCA is expected to issue a formal consultation [5] setting out the details of an industry wide redress scheme. The consultation will be of a similar length, around six weeks, with the final rules unlikely to be issued until early 2026. 

Subject to this, if the scheme is approved, then it would apply to all Black Horse car finance agreements entered into between 2007 and 2021 where mis-selling might have occurred. The majority of complaints made against Black Horse are therefore likely to still be valid.

The FCA has suggested that typical discretionary commission claims against Black Horse may be worth approximately £950 per agreement [6]. However, the circumstances of each case will be different in regards to the result of a claim, such as the fact of undisclosed or unreasonable commissions being paid.

Step 4: Escalate the Claim if Needed

There are options for receiving compensation despite either Black Horse Finance rejecting your claim or delivering an inadequate response. Denial of valid claims occurs frequently at first, but escalation procedures normally lead to successful outcomes. Your probability of receiving a refund will substantially increase when you go to the Financial Ombudsman Service (FOS) and seek legal counsel.

When your claim gets denied by Black Horse Finance, you need to respond immediately. This is because of the specific deadlines for moving forward with complaints. Understanding the case progression process, along with seeking valid review venues, enables you to obtain a fair outcome for your situation. The process for dealing with Black Horse Finance's refusal to provide compensation along with the required subsequent actions will be discussed throughout the following sections.

What If Black Horse Finance Rejects Your Claim?

A complaint denial from Black Horse Finance does not represent an unchangeable outcome. Many genuine complaints begin as refusals but eventually win at independent evaluation stages. You have the right to seek additional remedies after believing your dismissal was unjustified.

How to Escalate to the Financial Ombudsman Service (FOS)

Consumers can submit issues about financial disputes to the stand-alone organisation known as Financial Ombudsman Service (FOS). You should file a complaint with FOS if Black Horse Finance rejects your claim and gives unreasonable compensation terms.

Steps to Escalate Your Claim to the FOS

• Wait for a final response from Black Horse Finance – Though the eight-week timeframe is currently paused, the lender still has to respond to your complaint. If they decline your claim or do not respond, you can take your case to the FOS. In their last response letter, they will indicate whether they uphold or reject your complaint.
• Collect up key documentation – Before raising a complaint, ensure you have gathered key documents to support your claim such as your finance agreement, loan statements, your original complaint letter, and the relevant Black Horse Finance response. Your argument will be bolstered by any evidence of undisclosed commissions or unfair interest rates.
• Send your complaint to the FOS – You can make your claim via the Financial Ombudsman Service website. Ensure that you make it clear how your agreement was mis-sold, the impact of the financial loss, and why Black Horse Finance’s decision was unfair.
• Give the FOS time to investigate – The FOS will look at your paperwork and might get in touch with Black Horse Finance for more information. It may take months to complete the process, depending on the particulars of your situation. If asked, be prepared to submit more proof.
• Hearing the Ombudsman’s decision – After the investigation is completed, the FOS will give you its first decision. If you and Black Horse Finance agree on its outcome, then the case is settled. If either party contests the decision, the case goes to final ruling.

What If the FOS Does Not Rule in Your Favour?

Customers can take their complaints to legal channels after the Financial Ombudsman Service denies their complaint. The amount of compensation from legal action exceeds standard complaints when your financial losses during the case are substantial.

You need to inspect your eligibility anew by using Black Horse refund checker services before going ahead with legal charges. Black Horse refund checker analyses your eligibility to determine if you have a legal ground for claiming compensation after FOS rejects your complaint. Seeking an experienced solicitor during legal proceedings will help you receive the highest amount of compensation for which you are eligible.

Conclusion

You must act without delay when your Black Horse Finance agreement does not appear properly sold to you. Slow action will threaten your chance to receive compensation so move forward promptly. When you file claims for compensation early, your recovery of both extra costs and unreasonable interest fees becomes more likely. 

Start your assessment of a Black Horse Finance agreement by collecting essential documents that include your finance contract and loan statements, together with relevant written communications. All gathered evidence plays a vital role in creating a solid mis-selling case. Solid documentation enables you to demonstrate your case and document all involved issues.

Black Horse Finance needs to receive your official complaint immediately, following the submission of your evidence. The statement must present distinct issues which encompass undisclosed fees, extreme interest rates, and untruthful communication. You must present your complaint using documented evidence in order to support it. 

You must file an appeal to their response even if they approve the claim insufficiently or deny the claim altogether. You can pursue your case through the Financial Ombudsman Service to obtain an additional assessment. When facing complex claims, it helps to consult a PCP claims company that can help you handle the procedure. Fast executive decisions made in the present will increase your ability to get the compensation you deserve.

FAQs 

Can I claim against Black Horse Finance? 

If you were mis-sold a PCP or hire purchase agreement with Black Horse, with hidden or unfair commission you may be able to make a claim against them.

How much can I claim from Black Horse Finance?

The FCA have advised that the average discretionary commission payout is around £950 per agreement.

Can I claim against Black Horse Finance if I’ve already completed my PCP?

Yes, even if your Black Horse PCP agreement has come to an end, you may still be able to make a claim.

What if Black Horse Finance rejected my claim?

If Black Horse Finance have rejected your claim, you are entitled to refer it to the Financial Ombudsman Service.

Do I need a professional to make a claim against Black Horse Finance?

It is not necessary to use a professional when making a claim, you can do this yourself, however some individuals prefer the help of a regulated claims management company.

_________

References:

1. In August 2025, the Supreme Court found that the mere existence of commission does not render every car finance agreement illegal. - https://supremecourt.uk/uploads/uksc_2024_0157_0158_0159_judgment_2bb00f4f49.pdf
2. users who secured Black Horse Finance warrant compensation - https://www.theguardian.com/business/2024/oct/28/lloyds-court-ruling-black-horse-compensation
3. FCA paused processing of complaints - https://www.fca.org.uk/news/statements/firms-given-until-december-2025-respond-motor-finance-commission-complaints
4. Black Horse online claims form - https://www.blackhorse.co.uk/help/complaints.html
5. in October 2025, the FCA is expected to issue a formal consultation - https://www.fca.org.uk/news/press-releases/fca-consult-motor-finance-compensation-scheme
6. typical discretionary commission claims against Black Horse may be worth approximately £950 per agreement - https://www.theguardian.com/business/2025/aug/04/who-will-get-car-loan-payout-how-much-regulator