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Black Horse Motor Finance Claims in Cornwall

Last updated: 26 March 2026

Since April 6, 2007, an estimated 12.1 million eligible agreements across the UK have been affected by issues related to mis-selling practices and unfair charges. Cornwall, with its diverse population of approximately 570,000 residents (ONS Census 2021), may be home to a significant number of these impacted individuals. According to FCA estimates, around 53865 people in Cornwall could have been affected by these car finance issues (FCA estimate).

Black Horse Finance Agreements in Cornwall

Black Horse, part of Lloyds Banking Group, has been at the centre of many of these disputes due to its extensive presence and large customer base across the UK. In Cornwall, the impact is significant, with a substantial number of residents potentially affected by mis-selling practices and unfair charges related to their car finance agreements. These issues span various types of vehicles, from family cars to commercial vans, impacting both personal and business borrowers.

The Financial Conduct Authority (FCA) has estimated that £7.5 billion (FCA, March 2026) in total mis-sold car finance agreements may be eligible for redress (FCA estimate) (FCA, March 2026). This means Cornwall residents who have financed their vehicles through Black Horse during the period from 6 April 2007 to 1 November 2024 could potentially qualify for compensation.

How to Complain to Black Horse from Cornwall

Cornwall residents who believe they may be eligible for redress can directly contact Black Horse's dedicated complaints team. The process is straightforward and free of charge, with no need for a claims management company (CMC). To initiate the complaint process, visit the official Black Horse website at https://www.blackhorse.co.uk/complaints.

It’s important to note that Cornwall residents do not need to engage any third-party services to lodge their complaints. You can complain directly to Black Horse and access free support through the Financial Ombudsman Service ([FOS](https://mlj.org.uk/guides/financial-ombudsman-service)) if necessary. This approach ensures transparency and avoids unnecessary costs associated with middlemen or solicitors.

What Cornwall Residents Should Do Next

Cornwall residents who suspect they may be affected by car finance mis-selling should take proactive steps to seek redress:

Gather Documentation: Collect all relevant documentation, including loan agreements, payment receipts, correspondence with Black Horse, and any related emails.
Check Dates: Ensure that your car finance agreement was active during the period from 6 April 2007 to 1 November 2024 when issues were prevalent.
Complain Directly: Use the official Black Horse complaint process by visiting their website at https://www.blackhorse.co.uk/complaints.

By following these steps, Cornwall residents can ensure they receive fair treatment and potentially obtain compensation for any financial losses incurred due to mis-selling practices.

Sources and References

Financial Conduct Authority (FCA), 2024
Office for National Statistics (ONS) Census 2021
Black Horse Complaints URL: https://www.blackhorse.co.uk/complaints

How Many People in Cornwall Are Affected?

Based on Cornwall's population of approximately 570,000, an estimated 119,104 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 0.85% 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 Cornwall residents affected by Black Horse motor finance mis-selling make a complaint?

Cornwall residents who believe they have been victims of Black Horse motor finance mis-selling should first try complaining directly to Black Horse for free at https://www.blackhorse.co.uk/complaints. This process is often the quickest way to resolve issues without involving third parties.

What steps can Cornwall residents take if they suspect they were sold a car through a discretionary commission arrangement (DCA) by Black Horse?

If Cornwall residents believe they were part of a DCA sale with Black Horse, they should review their contract and gather any correspondence or communications related to the purchase. They may then submit a formal complaint via Black Horse's official complaints process at https://www.blackhorse.co.uk/complaints.

How many Cornwall residents might have been impacted by motor finance mis-selling involving companies like Black Horse?

According to estimates, around 14 million agreements were affected by motor finance mis-selling between April 2007 and November 2024 (FCA estimate). Given that Cornwall had a population of approximately 583,000 as per the latest census data from ONS Census 2021, it's reasonable to assume that some Cornwall residents may have been impacted by this issue.

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.