CAR FINANCE CLAIMS UK

Black Horse Finance PCP Claims

✔ Instantly check if you're owed thousands through Black Horse PCP claim

✔ Average PCP compensation is £1,600, with some payouts exceeding £5,000

✔ No win, no fee – you only pay if we successfully win your claim

Thousands of UK citizens have already started their PCP claims , check yours in minutes and discover if you’re owed £1,000s in hidden finance charges.

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"Brilliant service from start to finish. They made claiming back my money simple and stress-free. Highly recommended for anyone with a PCP agreement!"

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What is a Black Horse Finance PCP Claim?

If you took out a PCP or car finance agreement with Black Horse Finance between 2007 and 2021, you could be eligible for compensation if the deal was mis-sold. Many people were not properly informed about important details such as balloon payments, mileage limits, and interest rates.

In some cases,  Black Horse Finance  dealers earned hidden commissions from lenders without disclosing them, which could have led to higher borrowing costs. If your agreement was unsuitable or affordability checks were not y carried out correctly, you may have a strong claim for compensation.

Payouts for mis-sold Motonvo finance agreements are averaging over £1,100, with some drivers recovering £5,000 or more. You can start a claim with a specialist or escalate it to the Financial Ombudsman Service if it's needed.

Am I eligible for a refund from the Black Horse Finance?


You may be eligible to claim a refund from Black Horse Finance if your PCP or HP car finance agreement involved a discretionary commission arrangement. Many customers who bought vehicles before January 2021 were not given full details about interest rates, commissions, or dealer-lender relationships, which could make the agreement mis-sold.


  • You bought a car on PCP finance with  the lending company Black Horse Finance before January 2021.
  • You paid a higher-than-average interest rate without a clear explanation.
  •  Black Horse  or the dealership failed to carry out proper affordability checks.
  • The relationship between Black Horse Finance and the car dealer was not disclosed to you.
  • You were not told about sales commissions influencing your finance terms.

If Black Horse or the car dealership you used failed to be fully transparent about commissions or financial relationships, you may have entered into the agreement without complete information. This lack of disclosure can be grounds for a refund claim.

Why Choose Us

Car Finance Claims UK. Specialists in Mis-Sold Car Finance Claims

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Specialist Car Finance Claims

We help UK drivers claim back compensation for mis-sold PCP and HP agreements.

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Risk-Free, No Win No Fee

You only pay if your claim is successful, giving you complete peace of mind.

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Proven Financial Expertise

Our team specialises in car finance mis-selling cases with years of experience.

Black Horse Finance PCP Claim Key Facts

Black Horse PCP Claims - Key Facts Slider

Black Horse's Role in UK Car Finance

Black Horse, a division of Lloyds Banking Group, has been one of the largest providers of PCP and HP car finance deals across the UK for decades.

Hidden Commissions in Black Horse Agreements

Before January 2021, Black Horse allowed dealers to adjust customer interest rates to earn commissions, often without disclosing this to customers.

Ban on Discretionary Commissions

From January 2021, the FCA banned discretionary commission models, stopping brokers and dealers from altering finance rates for personal gain.

Eligibility for Mis-Sold PCP and HP Claims

If you took out a Black Horse finance agreement before 28 January 2021, you may be entitled to a refund if commission or interest rate details were not clearly explained.

Lloyds Banking Group's Compensation Provision

Lloyds Banking Group has set aside £450 million to handle Black Horse mis-selling claims, with potential for the final payout to rise significantly.

Typical Refund Amounts for Black Horse Customers

Successful claims could return between £1,100 and £5,000+, depending on loan size, hidden commissions, and the length of the finance agreement.

FCA and Ombudsman Investigations Into Black Horse

The FCA continues to investigate historic Black Horse finance deals, while the Financial Ombudsman has already upheld many customer complaints.

PCP Car Finance Claims - Refund Reasons Section

Are You Due a PCP Refund?

Common reasons why millions of drivers may be eligible for compensation:

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Interest Rates Inflated
Dealers set higher rates to boost commission, costing you more over the term of your PCP agreement.
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Hidden Commissions
Brokers often failed to disclose commission payments, breaching transparency rules on finance deals.
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Limited Finance Options
Many drivers were only offered PCP plans that benefited the dealership rather than providing fair alternatives.
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No Clear Explanation
Important information about car finance products was often not properly explained before signing agreements.
man signing pcp claims paper work
Estimate Your PCP Refund

How Much Could You Reclaim?

Your potential PCP refund depends on the APR you paid and the length of your finance agreement. Some refunds are reaching up to £10,446.

Car Value £30,000
APR 6.9%
£5,986
Check My Refund
Black Horse Finance PCP Claims - Frequently Asked Questions

Frequently Asked Questions

How can I find out if commission was added to my Black Horse finance?

You can submit a disclosure request directly to Black Horse or Lloyds Banking Group. Reviewing your original finance agreement paperwork or contacting the car dealership where you financed the vehicle may also reveal commission details.

How do I start a mis-sold PCP claim against Black Horse?

To start a claim, send a formal complaint to Black Horse explaining why you believe the finance was mis-sold. If they do not respond within eight weeks or reject your claim, you can escalate it to the Financial Ombudsman Service.

Can I claim for more than one Black Horse car finance agreement?

Yes. If you had multiple PCP or HP agreements through Black Horse, you can submit a separate claim for each one. Each finance contract is treated independently based on its own facts.

How long does a PCP refund claim against Black Horse take?

A direct claim usually takes a few weeks. However, if your case moves to the Financial Ombudsman Service, the review could take several months depending on the complexity of the finance agreement.

Can I handle a Black Horse PCP claim without a solicitor?

Yes. You can make a complaint yourself directly to Black Horse without involving a claims company or solicitor. If the complaint is rejected or unresolved, the Financial Ombudsman Service can assist for free.

What could make my Black Horse finance deal mis-sold?

A finance deal may be considered mis-sold if commissions were hidden, affordability checks were not properly carried out, or key terms like balloon payments and mileage limits were not clearly explained before signing.

How much compensation could I get from Black Horse?

Compensation depends on the loan amount and commission involved. On average, refunds range from £1,000 to £5,000 but can be higher for customers who paid inflated interest rates over long-term agreements.

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