Black Horse Car Finance Claims
Check your car finance claim eligibility in as little as 60 seconds. On average we find 2 car finance agreements per client, giving a potential claim value of £1658**
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Average of £829** per agreement
Soft credit searchCould your Black Horse Finance have been mis-sold?
Some agreements included commission setups that weren't always made clear at the time. If you had a PCP or HP agreement between April 2007 and November 2024, you may have been affected by one of the following:
Discretionary Commission Arrangements (DCAs)
The interest rate could be increased, and that increase could boost dealer commissions.
Unfairly High Commission Charges
The commission paid may have been disproportionate to the finance agreement.
Contractually Tied Arrangements
The broker may have been tied to one lender, rather than comparing options fairly.
Black Horse Car Finance Claims Explained
Black Horse is one of the UK’s largest car finance providers, offering products such as Personal Contract Purchase (PCP), Hire Purchase (HP), and Conditional Sale agreements. In recent years, concerns have been raised about how some car finance agreements were sold across the market, including those funded by Black Horse. These concerns mainly relate to commission arrangements that were not always clearly explained to customers at the point of sale.
A Black Horse car finance claim typically focuses on whether a car dealer or broker received a commission from Black Horse that influenced the interest rate on the agreement. In some cases, dealers were able to increase the interest rate to earn a higher commission. Where this happened without clear disclosure, the Financial Conduct Authority (FCA) has said such practices may be unfair. This has led to questions about whether customers paid more interest than they reasonably expected or understood.
Most Black Horse car finance claims relate to PCP and HP agreements taken out between 2007 and 2024. These types of finance were most commonly linked to discretionary commission arrangements. Other products, such as standard leasing or rental agreements, are usually outside the scope of these claims, although some finance-style lease agreements may still be considered depending on how they were structured and sold.
It is important to understand that making a Black Horse car finance claim does not guarantee compensation. Each agreement must be reviewed on its own facts. This includes looking at how the finance was presented, whether commission was disclosed, and whether the overall sale met FCA standards for being clear, fair, and not misleading.
The FCA has paused standard complaint response deadlines while it completes a wider review of commission-based car finance sales. This pause is currently in place until 31 May 2026. Consumers can still submit Black Horse car finance claims during this period, but responses and outcomes may take longer than usual. Any future redress scheme will depend on the FCA’s final findings and guidance, with implementation expected from mid-2026 onwards.
If you believe you may have been affected, it can help to gather details such as the date of your agreement, the type of finance used, and the dealership involved. This information can be used to assess whether your Black Horse agreement may fall within the scope of current FCA guidance.
If you believe you were mis-sold car finance, contact Mis-Sold Expert to find out how they can help.
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