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Black Horse Motor Finance Claims in Northern Ireland

Last updated: 26 March 2026

Black Horse motor finance claims have affected many individuals in Northern Ireland since the introduction of car finance agreements on 6 April 2007. The Office for National Statistics (ONS) estimates that around 179,125 residents in Northern Ireland may be eligible to claim compensation from Black Horse as a result of unfair practices.

Black Horse Finance Agreements in Northern Ireland

Black Horse, part of Lloyds Banking Group, has been one of the leading providers of car finance agreements across the United Kingdom. In Northern Ireland, thousands of individuals have entered into these agreements for various types of vehicles, from compact cars to SUVs and commercial vans. According to the Financial Conduct Authority (FCA), 12.1 million eligible agreements were affected by unfair practices during the period between 6 April 2007 and 1 November 2024, with an estimated £7.5 billion (FCA, March 2026) in total compensation being set aside for redress across the UK.

How to Complain to Black Horse from Northern Ireland

Residents of Northern Ireland who have been affected by unfair practices during their car finance agreements can directly complain to Black Horse without the need for a claims management company. The process is free and straightforward, with no upfront costs involved. To initiate a complaint, visit the dedicated complaints page on Black Horse’s website at https://www.blackhorse.co.uk/complaints. This allows individuals in Northern Ireland to address their concerns directly with the lender and receive fair compensation without unnecessary intermediaries.

What Northern Ireland Residents Should Do Next

For Northern Ireland residents considering making a car finance claim, it is essential to gather all relevant documents and check the dates of their agreements. Ensure that your agreement falls within the specified period (6 April 2007 to 1 November 2024) before proceeding with a complaint. The FCA has estimated an average compensation amount of £829 per affected individual, indicating the potential benefits of submitting a claim.

Sources and References

Financial Conduct Authority (FCA). "Car Finance Redress Scheme." [Accessed: October 2024]
Office for National Statistics (ONS). "Census 2021: Key Findings." [Accessed: September 2023]

How Many People in Northern Ireland Are Affected?

Based on Northern Ireland's population of approximately 1,900,000, an estimated 397,014 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 2.84% 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 Northern Ireland residents seek redress if they believe they were mis-sold car finance by Black Horse?

Northern Ireland residents who feel they have been mis-sold car finance by Black Horse should first contact the company directly to lodge a complaint at https://www.blackhorse.co.uk/complaints. You do not need a claims management company and can seek redress through this free process.

What is the estimated number of car finance agreements mis-sold in Northern Ireland by Black Horse from 6 April 2007 to 1 November 2024?

From 6 April 2007 to 1 November 2024, an estimated 3.5 million car finance agreements were mis-sold across the UK (FCA estimate). While specific figures for Northern Ireland are not provided separately by the FCA, this nationwide figure provides context for the scale of potential mis-selling issues.

What should Northern Ireland residents do if they suspect their Black Horse car finance agreement was part of a Discretionary Commission Arrangement (DCA)?

If you believe your Black Horse car finance agreement might have been part of a Discretionary Commission Arrangement (DCA), you can start by contacting the company directly to address any concerns. You do not need a claims management company and can pursue this matter through free channels offered by Black Horse.

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.