Were you mis-sold a car finance agreement by Black Horse? With potential refunds of up to £5,492's*, it’s worth checking your eligibility. Start your Black Horse finance claim today with our quick and easy online tool.
100% no win, no fee*· Instant claim checks · Expert support when you need it
Thousands of drivers have reported being overcharged and mis-sold by Black Horse car finance to the Financial Conduct Authority (FCA). This has led to a significant review, revealing widespread issues. If you’ve taken a finance deal with Black Horse and think you have been mis-sold, you might be entitled to a refund. Start your Black Horse car finance claim today and reclaim what’s rightfully yours.
Undisclosed commissions and conflicts of interest have led to mis-selling in car finance agreements.
Discretionary commission models allowed brokers to inflate interest rates for their own gain.
Drivers lacked clarity on how commissions affected their loan costs, and were often unaware of the financial implications.
Martin Lewis, MoneySavingExpert.com
Get an instant answer about whether you can claim and how much you may be able to claim.
Add your personal details like name, date of birth and address.
By using a credit check platform we can validate car finance agreements identified by yourself that may be claimable
You decide if you’d like us to help to get your claim started.
Where a "No Win, No Fee" service is offered, customers typically pay 30% + VAT (36% including VAT). No Win, No Fee removes the financial risk of making a claim—you pay nothing if your case is unsuccessful. You’ll never pay upfront or encounter hidden charges, ensuring you are never out of pocket. A cancellation fee may apply if you cancel outside the cooling-off period.
If you have been mis-sold, you’ve been in the dark for long enough. It’s why we’ve done everything to make claiming as simple and straightforward as possible. No complex forms, no legal jargon — just a clear road to potentially getting money back in your pocket.
Our free, easy-to-navigate claims tool instantly determines if you're eligible to make a claim. With no obligation to proceed, what’s the harm in trying?
You don’t need another voice in your ear but, if you need a hand, our team of friendly claims handlers are here to help, 24/7.
Peace of mind is priceless. That's why are partners operate on a "no win, no fee*" basis — if you don't reclaim, you don't owe a penny.
You do not need to use a claims management company to make a claim; you can do this yourself for free by contacting the car dealership or finance provider and if that is not successful you can complain to the Financial Ombudsman Service. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive.
We’ll give you an instant answer about whether you can claim and how much you may be able to claim. If you decide that you’d like to move forwards, here’s what happens next.
A letter will be drafted by your solicitor and dispatched to your lender, outlining the details of your mis-sold claim.
Two weeks in, your lender should have acknowledged your claim. If there's silence, a letter will be sent to chase up.
Your complaint can be paused until the FCA finishes its investigation, currently the FCA has set a deadline of December 2025 for firms to handle DCA complaints.
The FCA originally expected to report on the findings of its investigation on 25 September 2024, but now they are intending to set out the next steps by 4th December 2025 at the earliest.
You can self-represent and approach the lender directly, go to the Financial Ombudsman Service (FOS), OR you can submit a claim with ourselves and our working partners and we’ll do all the legwork for you. Operating on a No-win-No-fee basis. This means it costs you nothing upfront to join. If your claim is successful, a pre-agreed percentage will be taken as a fee. If your claim is not win successful, you won’t pay a penny.
Anyone who entered a car finance agreement (such as PCP or HP) that was not sold transparently, where terms, commissions, and costs were not fully disclosed, or where the product was unsuitable for their needs, may be eligible. This includes agreements signed before certain regulatory changes were implemented by the FCA in January 2021.
The amount you can reclaim depends on a number of factors, including the size of your loan, the terms of your agreement and how much you were overcharged — be it through undisclosed commissions or inflated interest rates. On average, compensation comes to £1,600. In some cases, that has risen to over £3,000.
A Discretionary Commission Arrangement is when the amount of commission a car dealer or broker receives directly links to the interest rate of the car finance agreement they sell. In other words, the higher the interest rate they convince the customer to agree to, the higher their commission. This practice was banned by the FCA on 28 January 2021 to prevent financial incentives from influencing the cost of loans for consumers.