Are you one of the thousands in Gloucestershire who financed their car through Black Horse and are now considering making a claim? Since 6 April 2007, an estimated 12.1 million eligible agreements (FCA, March 2026) across the UK have been affected by issues related to car finance, including those handled by Black Horse in Gloucestershire. The Office for National Statistics (ONS) estimates that approximately 637,000 people reside in Gloucestershire, with a significant portion potentially impacted by these financial arrangements.
Black Horse Finance Agreements in Gloucestershire
Black Horse is part of Lloyds Banking Group and has been involved in providing car finance to residents across the country. According to FCA estimates, approximately 60196 individuals in Gloucestershire may have entered into a car finance agreement with Black Horse during the period from 6 April 2007 to 1 November 2024. This includes a wide range of vehicles such as cars, vans, and even motorcycles. Many of these agreements were structured under a Discretionary Commission Arrangement (DCA), which has been scrutinised for potential unfairness.
How to Complain to Black Horse from Gloucestershire
If you suspect that your car finance agreement with Black Horse may have been affected by the issues highlighted by the Financial Conduct Authority (FCA), it is essential to understand how to proceed. Residents of Gloucestershire can complain directly to Black Horse for free, without needing to engage a claims management company. The official complaint process can be initiated at https://www.blackhorse.co.uk/complaints. This direct approach ensures that you are handling your matter independently and saving on unnecessary costs.
What Gloucestershire Residents Should Do Next
Before initiating a formal complaint, it is crucial for residents of Glouceshire to gather all relevant documentation related to their car finance agreement. This includes loan agreements, payment records, and any correspondence with Black Horse or Lloyds Banking Group. It's also important to check the specific dates during which your agreement was in place to ensure that you fall within the affected period.
Once you have gathered this information, proceed directly to the complaint process outlined on Black Horse’s website. This proactive approach can help you address any issues promptly and efficiently without the need for additional intermediaries.
Sources and references
- Financial Conduct Authority (FCA) estimates: 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total compensation, £829 average per eligible agreement per claimant.
- Office for National Statistics (ONS) Census 2021: Population of Gloucestershire is approximately 637,000.
- Black Horse's official complaint URL: https://www.blackhorse.co.uk/complaints
- Lloyds Banking Group information on provisions set aside for motor finance redress.
How Many People in Gloucestershire Are Affected?
Based on Gloucestershire's population of approximately 640,000, an estimated 133,731 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 0.96% of the UK total of 12.1 million eligible agreements.
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).