Black Horse motor finance claims have affected residents across the South East of England, with an estimated 876,771 individuals potentially impacted by unfair practices. The period under scrutiny is from 6 April 2007 to 1 November 2024, during which time Black Horse, part of Lloyds Banking Group, provided car finance to numerous residents in the South East.
Black Horse Finance Agreements in South East
The South East region has a population of approximately 9.28 million (ONS Census 2021), making it one of the most populated areas in England. According to FCA estimates, 12.1 million eligible agreements (FCA, March 2026) by unfair practices during the specified period (FCA estimate). This means that a significant portion of car finance agreements made with Black Horse in the South East could be eligible for redress.
Black Horse's provision for motor finance claims stands at approximately £2 billion. The types of vehicles financed through these agreements include cars, vans, and other light commercial vehicles. Given the scale of affected residents, it is crucial that individuals understand their rights to seek fair compensation from Black Horse directly.
How to Complain to Black Horse from South East
Residents in the South East who believe they have been impacted by unfair practices can easily submit a complaint to Black Horse without any cost. The official complaints process for Black Horse can be initiated through their website at https://www.blackhorse.co.uk/complaints. This direct approach is free and straightforward, eliminating the need for a claims management company (FCA estimate).
It is important to note that residents do not need to engage with a third-party intermediary to lodge a complaint. Instead, they should follow Black Horse’s official complaints process, which includes providing necessary documentation and detailed information about their concerns.
What South East Residents Should Do Next
Before submitting a complaint, South East residents should gather all relevant documents such as loan agreements, payment records, and any correspondence with Black Horse related to the car finance agreement. It is essential to check the dates of these documents against the period specified by the FCA (6 April 2007 to 1 November 2024).
Residents should also review their understanding of the discretionary commission arrangement (DCA) that may have been part of their financing terms. This will help them identify whether they are eligible for redress based on any unfair practices related to DCA.
Once all necessary information is gathered, residents can proceed with a formal complaint directly through Black Horse’s website or by contacting customer service using the provided contact details. Taking these steps ensures that individuals receive fair treatment and compensation without incurring additional costs associated with claims management companies.
Sources and References
How Many People in South East Are Affected?
Based on South East's population of approximately 9,300,000, an estimated 1,943,283 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 13.88% 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).