Black Horse Finance Avis 556

Dealt with Ford Dealers in Barnsley; Will and Joel were really helpful and informative. They listened to my needs and used language that we understood.

Fast and efficient service with a great apr.

Just been informed that my Complaint has been thrown out due to lack of evidence, considering this is a motorcycle not fit for purpose has always been maintained in accordance with manufacturers recommendedations and is currently unsafe to use.Genuinely feels like Black Horse has no regard for customers’ time, money, or wellbeing. Instead of resolving a serious issue involving a potentially dangerous vehicle, they are simply prolonging the process and shifting the burden onto the customer.
My only hope now is to take my case to the Financial Ombudsman and hopefully they will see through this poor customer service.
I will never use or recommend Black Horse Finance to anyone ever again, clearly still working hand in hand with the dealers as has already been shown with Missold Finance which has come back to haunt them.

The whole process was very easy and relaxed from start to finish.

I recently took out a PCP car finance agreement with Black Horse. I was approved very quickly through the car dealership I used. Explanations were clear as was signing the initial contracts. Setting up, managing the account and choosing my correspondence preferences is very easy. I also enjoyed the personalised video sent to me!

Purchased a car from Big Motoring World, Cannock - part cash and finance, had an issue only 24hrs after collecting the car, reported to Big Motoring World who were no help at all, dismissed responsibility - took legal advice and was told to register complaint with Black Horse Finance, who were the finance company. They acknowledge the claim and yes it took them 51 days to respond (not ideal but within the agreed timelines), but when they did it was brill, they insisted the car was inspected, they then reviewed the garages findings and approved repair and several other things that were missed by Big Motoring World on handover without any issue or delay and they even paid me compensation for all the inconvenience caused (which was all by Big Motoring World), so my experience with Black Horse Finance was 1st class and cannot fault them and would use again if decide to purchase or upgrade my vehcile.

Trying to call just goes to hold and then line goes dead, joke of a company never take out finance with these guys again, these companies should just simply not exist.

Good communication with clear understanding.

I really liked using black horse until recently.
I’ve got a credit score of over 900 paid my finance agreements off with other providers to get finance on another bike. I have been turned down bear in mind I already have 2 finance agreement with black horse. 1 for under £20 a month as we paid most of it off and the other for under £100 as we paid a high deposit.
Thinking great they know I’m a reliable customer nope they rejected my finance…
I called yesterday to ask why and the team that deals with it refuse to speak to anyone as it’s a senior team. I then was told you can appeal and rejected again, I tried to contact black horse but their lines shut at 5PM and don’t open until 8:30/9AM which is when I start work and finish work (I work in education). No email
Option, no way of further discussion just a joke.
It’s a shame but I will come to the end of one of my agreements with black horse and then will pay off another early so I don’t have to use them again and will find alternative finance companies rather than black horse to use.

Rejected my approved 0 % pcp loan just before delivery with no sensible reasons. My credit score is excellent. Now told to re apply but wont give 0% pcp.

I am very disappointed and frustrated with Black Horse Finance. Their handling of my case has been completely unacceptable.

My vehicle was declared NotRoadworthy by an independent RAC inspection, and I made it absolutely clear that I have ceased using the car entirely due to safety concerns. Despite this, they have continued to drag out the complaint process and delay issuing a final response, showing no urgency whatsoever.

Because of their delays, me and my wife are now forced to rely on buses and taxis every day, while still paying finance, insurance, and road tax for a car that is essentially unusable. This is not just inconvenient — it is financially and mentally draining.

It genuinely feels like Black Horse has no regard for customers’ time, money, or wellbeing. Instead of resolving a serious issue involving a potentially dangerous vehicle, they are simply prolonging the process and shifting the burden onto the customer.

Worst finance company ever steer clear of them unless you want to be ripped off

Had a 4 year PCP, portal works well, easy to use. No problems.

When closing finance, new dealership didn’t clear the account in good time which led to an extra charge on my agreement, Joanne in settlements processed my refund for that overpayment on call with me straight away and was so helpful. Amazing customer service, and do wish my new finance agreement was with Blackhorse

Stay clear of this provider

I never usually write reviews but I dealt with a man called Julian from the solutions team and I honestly was blown away by how nice he was. He was so genuine and actually cared enough to put the effort into my queries and find me the solution I was after. He went above and beyond.

Great customer service from Tony H and Chris O.... thanks you absolute pair of 🦵🏼🔚's 💙

Very fast approval of my car finance and the service is excellent.

In late 2019, just before the first national lockdown, I financed a vehicle through Black Horse. Within a short period of time, the vehicle developed multiple faults and had to return to garages on several occasions for inspections and attempted repairs.
I raised my concerns early, as the vehicle was clearly unreliable. Unfortunately, I did not feel supported during the process. The way the matter was handled caused significant stress at what was already a very uncertain time personally and nationally. Instead of working toward a fair and reasonable solution, I felt my concerns were minimised and pushed back on.
With no resolution in sight, I escalated the case to the Financial Ombudsman Service. After reviewing all of the evidence, the Ombudsman ruled in my favour and confirmed that the vehicle was not fit for purpose. I exercised my legal right to reject the vehicle and received compensation following that decision.
While vehicle issues can happen, it is how situations are handled that truly matters. In my experience, the process added unnecessary pressure and stress rather than support.
Would I recommend Black Horse Finance based on my experience? Unfortunately, no.
I believe customers should be aware of their rights and prepared to escalate matters if they feel they are not being treated fairly.