Black Horse Finance Claim

There are three main options to start your Black Horse finance claim:

1. 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.
2. 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.
3. 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.

The average payout for Black Horse finance compensation is currently around £700, according to recent reports and FCA estimates. However, actual refunds vary based on your:

1. Loan size
2. Interest rate
3. Finance term
4. Whether hidden fees or discretionary commission arrangements (DCAs) were involved

In some early successful mis-selling cases, payouts have reached as high as £5,492.10, a figure disclosed by Black Horse to one of our panel solicitors. According to recent FCA announcement, the average compensation may be up to £700 per agreement, although individual payouts could be higher depending on your circumstances.

Use our Black Horse refund checker today to see if you’re eligible.

Yes, even if your car is sold or your agreement is complete, you can still make a Black Horse refund claim. Start your free eligibility check now.

You may have a case for a Black Horse finance claim if hidden fees or commissions were not disclosed, interest rates were inflated without explanation, or the dealer failed to explain the terms clearly. Additionally, being pressured into signing without exploring alternatives is a common sign of mis-selling. Use our Black Horse refund checker to determine if you qualify.

You can file a Black Horse finance claim up to six years from the start of your agreement or within three years of discovering the mis-selling. Older agreements may still qualify if you’ve recently become aware of the issue.

Black Horse Finance has not yet issued widespread refunds for mis-sold car finance, as complaint responses are currently paused due to the Financial Conduct Authority’s (FCA) ongoing investigation. This pause is in effect until at least 4th December 2025, while new rules are being finalised.

If your Black Horse agreement included hidden fees, undisclosed commissions, or inflated interest rates, you may be eligible to claim. You can start your claim now to secure your place in the queue for when the pause is lifted.

Black Horse, like many other lenders, is currently affected by the Financial Conduct Authority’s (FCA) pause on car finance complaint responses. This means that most claims will not be reviewed or resolved until after 4th December 2025, when the FCA is expected to issue final guidance.

You can still submit your Black Horse PCP or HP claim now to secure your place in the queue. If your case involves a Discretionary Commission Arrangement (DCA) or other complex issues, it will be assessed once complaint handling resumes. Our team will keep you informed every step of the way.

A Discretionary Commission Arrangement (DCA) occurs when a dealer or broker earns more commission by charging higher interest rates on your car finance agreement. This practice, which often led to inflated costs for consumers, was banned by the FCA in January 2021. If this affected your Black Horse car finance, you may qualify for Black Horse car finance compensation.

Not necessarily. While having your Black Horse finance agreement can expedite the process, our team can retrieve the required details directly from Black Horse to process your Black Horse refund claim.

No, filing a Black Horse refund claim will not impact your credit score or your ability to obtain future finance.

Yes, if you’ve had multiple mis sold car finance from Black Horse, you can include all eligible vehicles in your claim.