Black Horse car finance claims: check your agreement
Part of Lloyds Banking Group; one of the UK's largest motor finance providers, financing cars sold through thousands of dealerships. If you had PCP or HP with them between April 2007 and November 2024, your agreement may fall in scope of the FCA's £7.5 billion commission redress scheme.
Is your Black Horse agreement in scope?
Free information tool. We are not a claims management company for financial products and take no fee: complaining to your lender is free and the FCA advises you don’t need anyone to do it for you. Sources: FCA PS26/3 and fca.org.uk/consumers/car-finance-complaints.
Black Horse and the FCA scheme
Given its scale across 2007–2024, a large share of UK PCP and HP agreements were written by Black Horse. The redress scheme applies industry-wide: what matters is your agreement's dates, type and commission arrangement — not which lender wrote it. The scheme was confirmed by the FCA in March 2026 (PS26/3) and is currently paused while a legal challenge is heard (hearings from December 2026) — but the deadline for pre-April-2014 agreements remains 31 August 2026, and complaints lodged now are simply queued until the scheme resumes.
The free route, step by step
1) Find any paperwork (or just note the car and rough dates). 2) Contact Black Horse’s complaints team through their website, quoting your details and “commission on my motor finance agreement”. 3) Keep their acknowledgement. That’s it — the scheme requires the lender to check their commission records and assess your agreement. No fee, no claims company, nothing deducted from any payout.
We are not a claims management company for financial products and take no fee for this. Sources: FCA PS26/3 · FCA consumer guidance.
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