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.