Black Horse Finance Claim
Mis-sold Black Horse car finance? You could be one of the 14 million drivers owed compensation. Check your eligibility in 60 seconds with our Black Horse refund checker.
| Car finance agreements found in seconds |
| 400,000+ Customers Helped |
| 100% No Win, No Fee1. |
Why People Are Claiming Against Black Horse Finance
Thousands of drivers have raised concerns about Black Horse car finance, prompting an FCA review into mis-selling and unfair charges. Many customers were unknowingly overcharged due to hidden commissions and inflated interest rates. If you had a Black Horse finance agreement, you could be entitled to a refund. Start your Black Horse car finance claim today and reclaim what’s rightfully yours.
You’ve got the green light!
If you’ve been mis-sold a Black Horse car finance agreement, you’ve waited long enough to reclaim what’s rightfully yours. That’s why we’ve simplified the process for your Black Horse finance claim—no confusing paperwork or legal jargon. Just a hassle-free way to secure the Black Horse compensation you deserve and put money back in your pocket. Start your Black Horse refund claim today.
We find your agreements
Our system connects with major credit reference agencies and vehicle registration databases, allowing us to identify all car finance agreements linked to you, even if you have changed your name or moved to a different address.
We take the wheel
Once you provide your basic details, our system get’s to work. Within seconds we’ll pull together your historic car finance agreements, even those dating back before 2007, which are often difficult for individuals to locate.
The real work begins
Your claim is passed to our partner law firms, who review all your agreements individually. They gather evidence. Negotiate directly with lenders and work to maximise your compensation all on a no-win, no-fee basis, meanwhile, you don’t have to lift a finger.
What Happens When I Start a Black Horse PCP Claims?
We’ll quickly search for relevant car finance agreements in your name, flagging any that may relate to Black Horse Finance. If potentially eligible agreements are found and you choose to proceed, here’s the updated process timeline:
Letter to lender
Our partner, solicitors, will contact your lender by letter to make a claim on your behalf.
Reply expected
The lender should reply or at least acknowledge your complaint.
Delayed reply possible
Delayed reply possible
The FCA has paused firms from issuing final responses until 4 December 2025.
FCA consultation
The regulator will launch a formal consultation on an industry-wide redress scheme, exploring how compensation will be structured, including whether it should be opt-in or opt-out.
Important: Timeframes shown are indicative and may vary. Eligibility and potential refunds depend on factors like interest rates, commission structure, and loan terms. Reclaim247 is a claims management company and works with regulated solicitors who handle claims on a no-win, no-fee basis.
good to know
No Win No Fee Promise
1Where No Win, No Fee is offered - You pay nothing unless your claim is successful. A fee between 18 - 36% including VAT applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the 14 day cooling-off period. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive.
About Your Choices
Please note that you have the right to pursue your motor finance mis selling claim with the lender directly, through the Financial Ombudsman Service or any public compensation scheme, including any industry wide redress scheme that the FCA will introduce. Whilst we will always strive to get you the maximum amount of compensation possible, there is no guarantee that we will recover any more than you may achieve if you pursued the claim on your own.
FCA Updates
The FCA has extended the deadline for motor finance firms to respond to complaints about discretionary commission arrangements until 4 December 2025.
The FCA is likely to introduce a redress scheme to deal with complaints around discretionary commission arrangements in car finance agreements. You can find more information and official updates from the FCA at the following link:
FCA Motor Finance Review - Latest UpdateMis-Sold PCP Car Finance Claims
If you have an Black Horse Finance agreement potentially mis-sold or by another finance provider, our PCP experts are here to help you reclaim what’s rightfully yours. Start your claim today with Reclaim247.
Finance sold by
Close Brothers
If you’ve had car finance with Close Brothers you could have a claim worth:
Finance sold by
Motonovo
If you’ve had car finance with Motonovo you could have a claim worth:
Finance sold by
Santander
If you’ve had car finance with Santander you could have a claim worth:
FAQs about Black Horse Finance Claims
There are three main options to start your Black Horse finance claim:
- Self-representation: Contact Black Horse Finance directly to request compensation. If your claim is denied, you can escalate it to the Financial Ombudsman Service (FOS) for further review.
- Using Reclaim247: Submit your claim by completing our simple online form. Our trusted team will handle every step for you, from eligibility checks to securing your Black Horse finance refund, all on a 100% No Win, No Fee basis.
- Using a solicitor: Work with a solicitor who specialises in car finance claims with Black Horse. While solicitors provide expert legal assistance, this option may involve higher fees and take longer.
Thousands of drivers are filing Black Horse claims due to mis-sold car finance agreements. Common reasons include hidden commissions that were not disclosed, inflated interest rates designed to maximise dealer profits, and unclear terms that left customers unaware of the true cost of their loans. If you suspect your Black Horse car finance was mis-sold, you could be entitled to compensation.
Begin by using our Black Horse refund checker to determine your eligibility in just 2 minutes. If eligible, our experienced team will manage the entire process, ensuring a smooth and stress-free experience. Once approved, your Black Horse compensation will be transferred directly to your account. We operate on a No Win, No Fee basis, meaning there are no upfront costs, and if your claim is unsuccessful, you won’t pay anything. A pre-agreed percentage will only be deducted if your claim is successful.
You may qualify for car finance claims from Black Horse if you entered into a PCP or HP agreement where fees, commissions, or terms were not fully disclosed. Additionally, agreements deemed unsuitable for your financial circumstances or signed before January 2021, when FCA regulations were updated, may be eligible. Even if your Black Horse car finance agreement has ended, you could still qualify for compensation.