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Black Horse Motor Finance Claims in Lancashire

Last updated: 26 March 2026

Are you one of the many residents in Lancashire who may have been affected by Black Horse car finance agreements? With an estimated 116,896 individuals potentially impacted in the region, it's important to understand your rights and how to proceed with a complaint.

Black Horse Finance Agreements in Lancashire

Black Horse, part of Lloyds Banking Group, has been a significant player in providing car finance across the UK. In Lancashire, where the population stands at approximately 1,237,000 (ONS Census 2021), many residents have likely used Black Horse to purchase vehicles ranging from family cars to commercial vans. From 6 April 2007 to 1 November 2024, an estimated 12.1 million eligible agreements were affected by issues related to the Discretionary Commission Arrangement (DCA) mechanism (FCA estimate), potentially impacting thousands of residents in Lancashire.

[How to Complain](https://mlj.org.uk/guides/how-to-complain-to-your-lender) to Black Horse from Lancashire

Lancashire residents who believe they have been impacted by the DCA can file a complaint directly with Black Horse for free. you do not need to use a claims management company; you can handle the process yourself at no cost. To initiate your complaint, visit the official Black Horse complaints page at https://www.blackhorse.co.uk/complaints and follow their guidance on submitting your case. This direct approach ensures transparency and efficiency in addressing your concerns.

What Lancashire Residents Should Do Next

Before filing a complaint with Black Horse, it is advisable to gather all relevant documents related to your car finance agreement. These may include loan agreements, repayment schedules, bank statements showing payments made, and any correspondence you have had with the lender regarding the issue. check if your case falls within the specified period (6 April 2007 to 1 November 2024) as outlined by the Financial Conduct Authority (FCA). Once you have compiled all necessary information, proceed directly to Black Horse's complaint process without engaging a claims management company.

Sources and References

ONS Census 2021
FCA estimates: 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total (FCA estimate), £829 average per eligible agreement
Lloyds Banking Group official website
Financial Ombudsman Service (FOS)

How Many People in Lancashire Are Affected?

Based on Lancashire's population of approximately 1,500,000, an estimated 313,432 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 2.24% 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 Lancashire residents who have received car finance from Black Horse ensure their complaints are handled effectively?

Lancashire residents experiencing issues with car finance agreements provided by Black Horse should first attempt to resolve the matter directly through Black Horse’s official complaint process at https://www.blackhorse.co.uk/complaints. This service is free and can help address any concerns without needing a claims management company.

What actions can Lancashire residents take if they suspect their car finance agreement with Black Horse was mis-sold?

If Lancashire residents believe that their car finance agreement from Black Horse may have been mis-sold, it is advisable to review the terms and conditions carefully. Seeking professional legal advice or contacting the Financial Ombudsman Service (FOS) could also be necessary steps if direct communication with Black Horse does not resolve the issue.

What is a discretionary commission arrangement (DCA) in the context of car finance for Lancashire residents using Black Horse?

A Discretionary Commission Arrangement (DCA) is an optional add-on feature offered by some lenders, including Black Horse, to provide additional services like accident management. For Lancashire residents considering a DCA with their car finance agreement from Black Horse, understanding the full implications and benefits of this arrangement is crucial.

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.