Black Horse motor finance claims in the South West have been drawing attention as the Financial Conduct Authority (FCA) continues to address issues related to car finance agreements made between 6 April 2007 and 1 November 2024. The FCA's investigation has revealed that approximately 539,784 residents in the South West may be affected by these claims, based on an estimate from both the Office for National Statistics (ONS) and the FCA.
Black Horse Finance Agreements in South West
In the South West region of England, which is home to a population of approximately 5.712 million people according to the ONS Census 2021, many residents have been affected by car finance agreements with Black Horse. As part of Lloyds Banking Group, Black Horse has issued an estimated number of 12.1 million eligible agreements across the UK during this period (FCA estimate), potentially impacting a significant portion of South West's population. The types of vehicles financed include cars, vans, and motorcycles, making it crucial for residents to understand their rights and options.
How to Complain to Black Horse from South West
Residents in the South West can easily file complaints directly with Black Horse without needing assistance from claims management companies. By visiting the official complaint page at
https://www.blackhorse.co.uk/complaints, individuals can submit their concerns for free and receive a response within 30 days as per regulatory requirements. This direct approach simplifies the process, allowing South West residents to address any issues they may have encountered with their car finance agreements without incurring additional costs or fees.
What South West Residents Should Do Next
To ensure a smooth complaint process, South West residents should gather all relevant documents such as loan agreements, payment receipts, and correspondence from Black Horse. It is important to check the dates of these transactions to verify if they fall within the specified period (6 April 2007 to 1 November 2024). Once this information is collected, individuals can proceed with submitting their complaints through the official Black Horse complaint page.
Residents should also be aware that issues related to discretionary commission arrangements (DCAs) may have affected the terms of their car finance agreements. Understanding these complex financial arrangements and how they might impact your agreement is crucial in building a strong case for redress. By following these steps, South West residents can navigate the process effectively and seek fair compensation directly from Black Horse.
Sources and References
- Financial Conduct Authority (FCA) estimates: 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total, £829 average per eligible agreement
- Office for National Statistics (ONS) Census 2021
- Lloyds Banking Group official complaint page: https://www.blackhorse.co.uk/complaints
How Many People in South West Are Affected?
Based on South West's population of approximately 5,700,000, an estimated 1,191,044 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 8.51% 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).
You can [complain to your lender](https://mlj.org.uk/guides/how-to-complain-to-your-lender) directly for free. You do not need a claims management company to check whether you are owed compensation.