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Black Horse Motor Finance Claims in Oxfordshire

Last updated: 26 March 2026

Oxfordshire residents who entered into car finance agreements with Black Horse between 6 April 2007 and 1 November 2024 may be covered by the FCA redress scheme., according to the Financial Conduct Authority (FCA). The FCA has estimated that 12.1 million eligible agreements were affected during this period, with an average redress of £829 per agreement, amounting to a total of £7.5 billion (FCA, March 2026).

Black Horse Finance Agreements in Oxfordshire

The Office for National Statistics (ONS) estimates that around 68512 residents in Oxfordshire may be covered by the FCA redress scheme. under the FCA's rules regarding discretionary commission arrangements (DCAs). This includes individuals who entered into car finance agreements with Black Horse, which is part of Lloyds Banking Group. The population of Oxfordshire stands at approximately 725,000 according to the ONS Census 2021, making it a significant demographic for affected consumers.

Black Horse's car finance agreements cover a variety of vehicles, from family cars and SUVs to commercial vans and trucks. Many Oxfordshire residents may have financed their vehicles through this arrangement, potentially affecting a substantial portion of local drivers and business owners.

How to Complain to Black Horse from Oxfordshire

Oxfordshire residents who believe they are covered by the FCA redress scheme. can complain directly to Black Horse at no cost by visiting the dedicated complaints page: https://www.blackhorse.co.uk/complaints. It is essential to note that you do not need a claims management company or solicitors; the process is straightforward and free of charge. By gathering necessary documents such as your agreement details, payment history, and any correspondence with Black Horse, residents can submit their complaints directly online.

What Oxfordshire Residents Should Do Next

Before initiating a complaint, it's crucial for Oxfordshire residents to gather all relevant documentation related to their car finance agreements. This includes the original contract, payment records, and any communication with Black Horse regarding the terms of the agreement or any issues that arose during its duration. Additionally, residents should check whether their agreements fall within the specified period (6 April 2007 to 1 November 2024) before submitting a complaint.

By taking these steps, Oxfordshire consumers can ensure they have all necessary evidence and information ready for submission when contacting Black Horse directly through their online complaints system. This approach allows individuals to navigate the process efficiently without incurring additional fees or costs associated with third-party services.

Sources and References

Financial Conduct Authority (FCA) estimates on affected agreements: 12.1 million, total redress of £7.5 billion (FCA, March 2026), FCA-estimated scheme average of £829 per eligible agreement (FCA, 2024).
Office for National Statistics (ONS) Census 2021 population data for Oxfordshire.
Black Horse's complaint URL: https://www.blackhorse.co.uk/complaints

How Many People in Oxfordshire Are Affected?

Based on Oxfordshire's population of approximately 690,000, an estimated 144,179 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 1.03% 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 Oxfordshire residents complain about mis-selling by Black Horse?

Oxfordshire residents who believe they have been victims of car finance mis-selling by Black Horse should first contact Black Horse directly at https://www.blackhorse.co.uk/complaints to address their concerns for free. This is often the quickest and most effective way to resolve issues.

What steps should an Oxfordshire resident take if they suspect wrongful selling practices from Black Horse?

If an Oxfordshire resident suspects that they have been a victim of car finance mis-selling by Black Horse, it is advisable to gather all relevant documentation and reach out to the lender directly through their complaint process at https://www.blackhorse.co.uk/complaints. You do not need to engage with a claims management company; complaining directly can be more straightforward.

What resources are available for Oxfordshire residents who have complaints about car finance agreements from Black Horse?

Oxfordshire residents with complaints related to car finance agreements issued by Black Horse should start by using the official complaint process on Black Horse’s website at https://www.blackhorse.co.uk/complaints. This is a free service that does not require hiring legal representation or engaging third-party firms.

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.