Home › Lenders › Black Horse Motor Finance Claims in Cambridgeshire

Black Horse Motor Finance Claims in Cambridgeshire

Last updated: 26 March 2026

Black Horse motor finance and Cambridgeshire have been linked through the financial services industry, affecting many residents in the county. The Financial Conduct Authority (FCA) has estimated 12.1 million eligible agreements were affected by issues related to discretionary commission arrangements (DCA), which could impact around 64,071 individuals in Cambridgeshire alone.

Black Horse Finance Agreements in Cambridgeshire

Black Horse's car finance agreements have been prevalent across Cambridgeshire, affecting an estimated 64,071 residents out of a total population of approximately 678,000 (ONS Census 2021). The types of vehicles financed range from personal cars to commercial vans and motorcycles. Given the FCA's estimate that £7.5 billion (FCA, March 2026) is to be returned to affected customers with an average repayment of £829 (FCA estimate), Cambridgeshire residents who took out car finance agreements between 6 April 2007 and 1 November 2024 may find themselves eligible for redress.

How to Complain to Black Horse from Cambridgeshire

Cambridge residents can complain directly to Black Horse without the need for a claims management company. The process is straightforward: simply visit the official complaints page at https://www.blackhorse.co.uk/complaints and follow the instructions provided. It is important to note that this service is free of charge, and you do not need any intermediaries to assist you in making your complaint.

What Cambridgeshire Residents Should Do Next

Before submitting a complaint, it is advisable for residents to gather relevant documents such as car finance agreements, payment records, and correspondence with Black Horse. Additionally, check the dates on these documents to ensure they fall within the specified period (6 April 2007 to 1 November 2024). Once all necessary information is compiled, proceed directly to Black Horse's complaint process for a fair resolution.

Sources and References

Financial Conduct Authority (FCA) estimates: 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total (FCA estimate), £829 average per eligible agreement.
Office for National Statistics (ONS) Census 2021.
Black Horse complaint URL: https://www.blackhorse.co.uk/complaints
Lloyds Banking Group, parent company of Black Horse.

How Many People in Cambridgeshire Are Affected?

Based on Cambridgeshire's population of approximately 680,000, an estimated 142,089 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 1.01% of the UK total of 12.1 million eligible agreements.

Black Horse Company Information

Black Horse is registered at Companies House (company number 00661204) with a status of active. The company was incorporated on 1960-06-01. Its registered office is at 25 Gresham Street, London, EC2V 7HN. The company currently has 6 directors.

Black Horse Complaint Statistics

According to the Financial Ombudsman Service, Black Horse received 25 total complaints in H2 2024 BUSINESS. You can check the latest complaint data at the Financial Ombudsman Service.

Black Horse's FCA reference number is 157429 (status: No longer authorised).

Frequently Asked Questions

How can Cambridgeshire residents who entered into car finance agreements with Black Horse between 6 April 2007 and 1 November 2024 check if they were mis-sold their contracts?

Cambridge residents can review the terms of their car finance agreement to see if it was mis-sold. If there are concerns about unfair practices, such as being misled or not fully understanding the repayment terms, they should consider contacting Black Horse directly at https://www.blackhorse.co.uk/complaints for a free evaluation.

What steps can car finance customers in Cambridgeshire take if they suspect their agreement with Black Horse was mis-sold?

Customers who believe they were mis-sold a car finance contract by Black Horse should gather all relevant documentation and contact the lender directly at https://www.blackhorse.co.uk/complaints. They can provide evidence of any misleading or unfair practices that may have led to the agreement being unsuitable.

How many car finance agreements were potentially mis-sold by Black Horse in Cambridgeshire between 6 April 2007 and 1 November 2024, according to FCA estimates?

Based on figures from the Financial Conduct Authority (FCA), approximately 14 million car finance agreements across the UK were potentially mis-sold during this period. Cambridgeshire residents who entered into such agreements with Black Horse can assess if their individual circumstances align with these broader concerns.

Important: MLJ.org.uk is an independent information resource. We are not a claims management company, solicitor, law firm, or financial adviser. We do not process claims, take fees, or provide advice. Where the law gives you a right to complain or claim directly (to a lender, council, FOS, court, or regulator), you can do so without paying a third party. MLJ.org.uk is operated by Copious Ltd, registered in England and Wales, company number 11437826.