Black Horse Finance レビュー 

Returned a car to Black Horse at the end of a PCP agreement and was hit with hundreds of pounds of alleged “damage” charges with no initial explanation or evidence.

When I challenged them, part of the bill was quietly dropped because the inspection photos were unclear. Despite that, Black Horse continued chasing the remaining balance without providing clear proof the damage existed when the car was returned or that I was responsible. The car was then sold through BCA auction without any repairs being carried out - I know as I watched it go through - which makes the charge even harder to justify.

The worst part: while this charge is formally disputed and now with the Financial Ombudsman Service, Black Horse have placed a six-year default on my credit file. I was told that if I paid the disputed amount, the default would be marked as “satisfied”.

In plain terms: pay a charge you dispute, or accept long-term damage to your credit record.

This feels less like customer service and more like financial pressure. I would not use Black Horse again and would strongly warn anyone on a PCP to document everything and be prepared to fight post-return charges.

Car purchased on finance with Black Horse in April 2025. In December 2025, the vehicle suffered a catastrophic mechanical failure. This breakdown is directly linked to a manufacturer recall, which I was formally notified of in November 2025.
Despite clear evidence, Black Horse have refused to acknowledge any responsibility under the Consumer Rights Act 2015. I have been able to demonstrate that the vehicle was sold with an inherent fault, as the recall letter explicitly identifies a design and manufacturing defect that leads to premature wear and/or failure of critical components.
As the finance provider, Black Horse are jointly liable under consumer law, yet they have consistently failed to act appropriately or fairly. They have also failed to meet their duty of care under FCA regulations, showing little understanding of their legal obligations or willingness to resolve the matter.

This situation has had a serious impact on my family. We are a household of six, including four children, two of whom are under the age of four. As a direct result of Black Horse’s failure to deal with this matter appropriately, we have been left without the use of a vehicle for over seven weeks. This has caused significant disruption to daily life, including childcare, work, medical appointments, and essential travel, adding unnecessary stress to an already difficult situation. The attitude and conduct of the "complaints handler" can only be described as vile and unsympathetic.

This issue is now subject to ongoing discussions with the Financial Ombudsman Service, following their "case review", due to Black Horse’s continued refusal to comply with consumer law and regulatory standards.

Based on my experience, I would strongly caution anyone considering finance through Black Horse. Their approach when something goes wrong is dismissive, obstructive, and legally questionable.

Black horse have been so helpful when my car dealer would not settle my finance. Communication on their side was 10/10, they pressured dealer and I finally had my car settled and my overpayment returned at last. Brilliant finance company.

Disgusting company. Raised a dispute over an issue.
Staff were nothing but vile in their conduct.
Any company that allows staff to talk to consumers in that way should not be allowed to operate.

Fantastic experience as always
Keep it up black horse

This is a awful not helpful big money monster of a company only interested in making massive profits and won't let customers settle finance early without massive penalties.

Customer service is awful and completely incompetent.

We bought a Company Car through Sytner BMW who set us up with this Company for the remaining balance for the new Car on PCP finance, After looking into the finance package we decided to pay the balance in full within the 1st 8 days of the agreement being set up, to our astonishment they wanted over £500.00 in Interest which worked out at £60.00 plus a day in interest WOW.

We logged a complaint and they told us it will take up to 8 weeks to get a decision on our complaint about this extortionately high interest which would have took us into another higher Interest payment to settle which they new about its just a tactic to extract more money out of the customer, we worked this out straight away no morals at all.

We chased the complaint up numerous times within the 8 week period, spent money on calls and spent hours on calls getting terrible responses and getting sent down the garden path "as the saying goes" by numerous representatives going from pillow to post without any answers or moving the complaint forward.

We also got Sytner BMW (Sheffield) involved that was a complete waste of time, They were part responsible for this debacle as they sold me the finance with Blackhorse instead of using there own BMW Finance (Must have been making more money out of the Blackhorse package would be my guess) so if you are buying a New Vehicle check what Finance Company the Dealership are using before you sign the deal as you don't want these.

We decided to settle the outstanding Finance with the front loaded high interest about three and half weeks after the purchase of the new car with the complaint still outstanding, We then had a text update saying the complaint had gone over the 8 week timescale they said it would have been to reach a decision, Another shambles.

We then received the decision in writing about 11 weeks after the original complaint was logged telling us they weren't doing anything in regards to reducing the high interest they'd applied to the early settlement figure, WHAT A SURPRISE NOT...........

We can't be bothered to go to the Ombudsman to appeal the complaint has the stress has taken us over the edge already after 11 weeks of misery so we've had to take it on the chin as a very costly mistake using this company we now need to move on.

I have been a customer with Black Horse for almost a year, and my experience has been nothing short of frustrating and stressful. My car had issues from the start, yet Black Horse relied too heavily on the dealer, failed to gather any independent evidence, and repeatedly missed deadlines I set.

They did not disclose my car’s diagnosis when requested, offered no answers or solutions, never provided a replacement vehicle, and did not pause my payments so I could arrange a hire car. The lack of a fair, thorough, and transparent investigation left me completely stressed, inconvenienced, and disrupted.

It was only after my second complaint to the Financial Ombudsman that Black Horse finally took any meaningful action. Even then, they effectively paid me off and accepted the car back in a way that meant the Ombudsman would not need to investigate, rather than providing a proper resolution. I had to drive the process at every stage, which is unacceptable for any customer.

I would strongly caution anyone considering their services—resolving issues can be extremely difficult, and you may need to escalate externally before anything happens.

Hi folks,if you currently have any form of finance whether be motor,caravan or motorhome finance with Blackhorse and you make payments online.Please DO NOT make any payments online through the customer website as I made a payment on the 13th January and its still sitting in my bank account as pending although I had funds in there.Your best to make a payment over the phone.

They are the most horrible people ever. Had a bereavement and asked for a month or two break from my monthly car finance so I can use the money to buy a ticket and add for my dad’s funeral who sadly passed. Bearing in mind that I had never defaulted in 3 years that I have been paying for the car. They refused saying if I go ahead they will notify the credit agency and I’m trying to buy a property knowing what impact this will have on credit score I had to get a loan to buy my ticket to travel for my dad’s funeral.
I gladly returned the car I refuse to do business with people without an element of compassion. I really hope no one goes to Blackhorse again to do any form of business.

Swift process from start to finish

This has been one of the most stressful and upsetting experiences we have ever had with a finance company.

We financed a car through Black Horse and within less than six months, it broke down. It was later discovered that the vehicle had been involved in a major accident before we bought it, something that was never disclosed to us. Documentation relating to this was actually found inside the car itself.

Since then, the vehicle has been in and out of the garage multiple times. The most frightening issue is water leaking inside the car. This is an electric vehicle, which makes this an extremely serious safety concern. We have an eight-year-old child who travels in this car, and we genuinely do not feel safe using it.

The situation has caused enormous stress to our family. We have lost time, paid for taxis, rearranged work and childcare, and spent countless hours chasing garages and the finance company. We were given replacement vehicles that were initially not comparable to what we are paying for, which caused even more disruption.

Despite all of this, Black Horse have dismissed the problems as “not significant” and offered just £300 compensation, while refusing to end the finance agreement. That response feels incredibly dismissive given the repeated failures, safety concerns, and emotional toll this has taken on us.

At no point have we felt listened to, supported, or protected. Instead, we are expected to continue paying for a car we no longer trust or feel safe driving.

I am sharing this experience so other people can make an informed decision. If safety, accountability, and support matter to you, please think very carefully before choosing Black Horse Finance.

Tried logging onto my account. They said my password is no longer suitable. Fine. I did the text message verification, ok I’ve jumped through another hoop. I enter a new password. I’m then met with we can’t change your password at this time. So I’ve entered the correct password but I’m not allowed to see my account? Unacceptable. They’re happy to take hundreds of pounds each month making loads of money on it.

very helpfull and great customer service when you need it most top marks thank you

Arranging car finance with Black Horse was straightforward and hassle-free. The advice was clear and helpful. The staff I spoke to were courteous, supportive and clear and concise in what they said.

Purchased a car through finance with Blackhorse. Gearbox and shock absorber failed in first two months and Blackhorse failed to uphold my six months consumer rights. Had to utilise the financial ombudsman to resolve which took months. Unprofessional from start to finish. Will never use them again. Avoid

I'm using blackhorce finance for my vehicle financing for quite some time now honestly speaking blackhorce is the best as always 👍👍👍

Shocking, avoid at all costs.
Leased a car through these and 2 years after the lease ended, paid in full, they are harassing me for more money. My next step will be to take them to court for breaking their own terms and conditions numerous times.

I am currently getting charged twice for one vehicle with Blackhorse.
They know I only have one vehicle but are still charging me 2 direct debits.
Customer service has been shocking no help at all

I have taken out car finance on two occasions with Black Horse in the recent past.

On each occasion I had difficulty communicating directly with Black Horse.

I was told online access to my account might take weeks to be available, so instead I had to call directly, which often involved extended periods waiting for the call to be answered.

The recorded message indicated a likely wait time of 5 minutes, although it was often +20 minutes.

When I did finally get through the staff were in the main helpful and accommodating.

Good,honest and timely