Were you mis-sold Black Horse car finance?
Thousands of Black Horse customers may be owed compensation for mis-sold car finance. Check your eligibility in 60 seconds.
Black Horse is part of Lloyds Banking Group
Check My Black Horse ClaimFree check · No credit impact · No win, no fee
About Black Horse
One of the UK's largest motor finance providers, Black Horse is part of Lloyds Banking Group. They provide PCP and HP agreements through car dealerships nationwide.
Types of mis-selling
Discretionary Commission
Dealers may have been given discretion to increase the interest rate on your Black Horse agreement, earning them a higher commission at your expense.
Hidden Commission
Commission payments between the dealer and Black Horse should have been disclosed to you. If they were not, you may have a valid claim.
Tied Arrangements
Some dealers were restricted to offering finance only throughBlack Horse, preventing you from comparing rates with other lenders.
Eligible agreements: April 2007 – November 2024
Estimated compensation
Based on FCA data, the average compensation per agreement is approximately:
per finance agreement
Actual amounts vary. Some claims result in significantly more. Estimates based on 17% of interest paid.
Frequently asked questions about Black Horse claims
Can I claim if I've already paid off my finance?
Yes. You can claim for any car finance agreement taken out between April 2007 and November 2024, regardless of whether the agreement is still active or has been settled.
Will making a claim affect my credit score?
No. We perform a soft credit check which does not appear on your credit file and will not affect your credit score.
How much compensation could I receive?
The amount varies depending on the agreement, but the average claim is estimated at around £700 per agreement. Some claims have resulted in significantly more.
How long does the claims process take?
It depends on the lender and the complexity of your case. Some claims are resolved within weeks, while others may take several months.
Do I need any documents to start a claim?
You don't need your original finance agreement. We just need your personal details to run a credit check. A form of ID is needed later if agreements are found.
What does 'no win, no fee' mean?
It means you won't pay anything unless your claim is successful. If compensation is awarded, a fee (typically up to 30% inc. VAT) is deducted from the amount recovered.
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