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Black Horse Motor Finance Claims in Essex

Last updated: 26 March 2026

Black Horse motor finance and the local population of Essex may have more in common than one might think. With an estimated 142,033 residents potentially affected by issues related to car finance agreements signed between 6 April 2007 and 1 November 2024, it's important for Essex residents who financed their vehicles through Black Horse to understand their rights.

Black Horse Finance Agreements in Essex

Black Horse is part of Lloyds Banking Group and has been a significant player in the car finance market. With an estimated 12.1 million eligible agreements (FCA, March 2026) during this period across the UK (FCA estimate), it's likely that many residents in Essex took out car finance through Black Horse to purchase their vehicles. According to the ONS Census 2021, Essex’s population is approximately 1,503,000, making it a substantial market for car financing services. The types of vehicles financed range from standard family cars and small city cars to larger SUVs and commercial vehicles. Many residents in Essex may have sought financing options through Black Horse to fit their diverse needs and budgets.

How to Complain to Black Horse from Essex

Essex residents who believe they are affected by issues related to car finance agreements with Black Horse can lodge a direct complaint free of charge. The process is straightforward, and it does not require the involvement of a claims management company. To begin, visit the dedicated complaints page on the Black Horse website at https://www.blackhorse.co.uk/complaints. Here, you will find full information about how to submit your concerns directly to the lender. This direct approach ensures that residents do not incur any unnecessary costs and can resolve issues promptly.

What Essex Residents Should Do Next

To ensure a smooth complaint process, it is advisable for Essex residents to gather all relevant documents related to their car finance agreement with Black Horse. This includes loan agreements, payment schedules, correspondence with the lender, and any evidence of overcharges or misrepresentations. check that your car finance agreement falls within the specified period from 6 April 2007 to 1 November 2024. Once you have all the necessary information, submit a detailed complaint directly to Black Horse via their online complaints portal or by post. The lender has set aside approximately £2 billion in provisions for motor finance redress (FCA estimate), indicating its commitment to resolving disputes fairly and promptly.

Sources and References

FCA figures on affected agreements: 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total, £829 average per eligible agreement
Essex population data from ONS Census 2021
Black Horse complaint URL: https://www.blackhorse.co.uk/complaints

How Many People in Essex Are Affected?

Based on Essex's population of approximately 1,800,000, an estimated 376,119 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 2.69% 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 Essex residents seek help if they believe their car finance through Black Horse was mis-sold?

Essex residents who suspect that their car finance agreement with Black Horse may have been mis-sold should first consider contacting the lender directly to file a complaint at https://www.blackhorse.co.uk/complaints. You do not need a claims management company and can handle this process for free.

What steps should Essex residents take if they believe their car finance with Black Horse was inappropriate given their financial situation?

If you are an Essex resident who feels that the car finance agreement provided by Black Horse does not match your financial capabilities, start by reviewing the terms of the contract. Should you find evidence supporting mis-selling, lodge a complaint with Black Horse through their official complaints process at https://www.blackhorse.co.uk/complaints.

What is the significance of the Discretionary Commission Arrangement (DCA) in car finance claims for Essex residents using Black Horse?

A Discretionary Commission Arrangement (DCA) can be significant for Essex residents dealing with car finance issues involving Black Horse. Understanding how DCAs operate and their potential impact on your case is crucial, but remember to address any complaints directly through Black Horse's website rather than seeking a claims management company.

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.