Black Horse Loans www.blackhorse.co.uk

Utterly useless website. I'm actually trying to give them my money and the website takes me on a circular never end loop. I've got money in my current account now getting no interest and I really want to give it to Black Horse and it's an impoosible task. Absolutely useless

If I could give this place less than one star I would. Throughout the pandemic These black horse ‘professionals’ advised me to take a break from paying my finance as the world wasn’t in a good place and there wasn’t a lot of money coming in, and because of my mental health, so I listened and took a break from it, for at least four months now me and my mother have been ringing to try and set these payments back up £(170) but we got refused and got told we needed an expended report, I didn’t have a job because of my mental health like I said up there ^ you then took me to court and told the judge I hadn’t paid anything towards the car, I’ve got the statements and the proof in front of me right now, how dare you, would you like me to share these photo of proof??? I also offered £1,000 to try and clear my arrears off, they declined, and said she was only attending the phone call today to get the car back, if you’d already made your minds up and had already decided what was going to happen why go through court and waste peoples time and money!!!! I’m now having to go back to my doctors to get a stronger MG of depression tablets because you guys just didn’t want to set my payments back up, I have two elderly grand parents at home who I care for, I needed that car to be able to take them backwards and forwards to the Hospital, doctors appointments etc, your representative as well who showed for you on the phone didn’t have a clue what she was talking about, stuttering down the phone to the judge, I sent my post of recorded delivery so I know for a fact you got it, did you just not send it to the courts or did it mysteriously go missing? This finance is a joke, it’s put out there to help you, do you really think this is helping people??? Your wrong ens, I hope this review makes you feel good! DO NOT USE BLACKHORSE FINANCE

I would never ever use this company! I had an official complaint in regards to a car which I brought from Inch cape (Burton) which was on finance writhing 6months of purchase the car was causing many problems biggest problem was the engine management light so I put in a complaint as Inchcape was very rude and un helpful I wrote the complaint September 2021 and the case was still not resolved til February 2022, when the file finally went to the complaint manager made his decision in 2 days! He was no help and all he had to save for himself was that the car is sold so we can’t do anything we don’t know if there was a fault when they have 3 reports sent to them absolutely ridiculous never again please do not use them as they do NOT have your back if anything goes wrong with the car clearly we was mis sold.

£67.00 interest to defer a payment by 28 days !!!

I tried to ring ,I waited over 2 hours and you still did not answer.

Whilst virtually the rest of the country are in financial crisis BLACKHORSE decide this is a way of making money out the people who most need help.

I gave 1 star because otherwise you can't leave a review, you are the most unscrupulous company I have had to deal with in the last 3 days. I have lost my income and probably going to loose my business come the end of this so you will end up with nothing . £67.00 interest to defer a payment by 28 days and informed via the web form you can only do this once in every 12 months. And then to be told to ring if you need help, I waited over 2 hours and you still did not answer, Your web site states you are here to help, Yes help yourselves, a real caring company, whilst virtually the rest of the country are in financial crisis BLACKHORSE decide this is a way of making money out the people who most need help. Shame on you and you WILL be first listed on the receivers list of creditors. Look forward to having to ring you in 23 days because if I don't you will try to take payment, so payment is not deferred for 30 days because you want 5 days notice before the due date! I urge everybody to contact there MP, this is against Government guide lines which states payment breaks of 3 months with NO ADDITIONAL INTEREST. Blackhorse are another VIRUS that is ruining peoples live's

I have been laid off due to the corona virus, I called black horse it took me over an hour for my call to be answered to be told I can put my payment off from the 01st April to the 30th however they will charge me £35

Disgusted at this during this time

Next shopping offered me to pay £1 per month for the next 3 months .... what a difference

I feel like I have been taken advantage off in this situation

Do not buy from Blackhorse

Financial Ombudsman

Financial ombudsman: ombudsman service for the great British public.

‘The Financial ombudsman’s received my complaint about a faulty vehicle ECU provided in July 2019. The ombudsman service have said that they will investigate the complaint thoroughly and carefully. As part of the investigation the financial ombudsman were due to collect job cards from Halfords and BMW. The ombudsman have issued a decision without reviewing the job cards. The financial ombudsman has not used an adequate quality control mechanism when investigating my complaint. The ombudsman service have failed to demonstrated a service that is acting in the interest of the Great British Public’

BMW

BMW: a car manufacturer and dealer.  

‘BMW have said that no-one takes the financial ombudsman seriously. BMW are unable to produce job cards for the work that they completed on vehicles. BMW pay a levy to the Ombudsman service to handle their complaints. BMW have not responded to a freedom of information request ’

Blackhorse

‘Blackhorse have acknowledged and accepted that there were multiple faults with the vehicle supplied by Cargiant. Blackhorse have not to refunded any monies paid. Blackhorse have made no payments for the faults with the vehicle. Blackhorse have not responded to a freedom of information request. Blackhorse pay a levy to the ombudsman’s service to handle their complaints.’

Cargiant

Cargiant: UK based car dealer

‘Cargiant have falsified their statements and have explained that this is because of a commercial interest, Cargiant pay a levy to the Ombudsman service to handle their complaints. Cargiant have initially not responded to a freedom of information request and then tampered the documents with the request once it was released.’

Halford

Halfords: UK based car mechanic 

‘Halfords have falsified their statements and have explained that this is because of a commercial interest’

‘You can take your complaint to Financial ombudsman service but they won’t do anything. I had exactly the same problem’ (undisclosed employee working for BMW and Cargiant)

The intention of the statements is to expose the failings of all organisations concerned and insists that they review their quality control mechanisms and put things right.

I purchased a car for my son. The car company neglected to inform me that it had had several modifications. They admit this. I cannot insure the car for my son to drive. Thus making the car not fit for purpose in which it was intended.

Black horse could not care less, their argument is I should have known. If the car showroom do not know, how am I supposed to.

We went around in circles for about 30 mins. He told me their answer was no, regardless of if I logged a complaint.

He was getting louder and more aggressive in tone as the call went on. Eventually I told him not only did I want to log a complaint, I also would be contacting trading standards and the financial ombudsman. At this point he yelled that I had contradicted myself throughout the call, was lying and was committing perjury!! I believe he said this to frighten me into shutting up and not escalating the complaint. Silly man.

I hung up imeadiately and called back to log another complaint about him.

I have now contacted the financial ombudsman to complain about my initial complaint and my treatment by this bully.

I would like to say my experience is a one off.

Alas the reviews make it clear it's not.

What a crying shame it is that Jag Land Rover have an agreement with these incompoops! The Black Horse / Lloyds car finance team have got to be the most incompetent, discourteous and generally useless team of people I have had the displeasure of ever dealing with. It takes 20 mins to get through to a "human" who is only empowered to say "computer says yes/no" and then push a button accordingly. The "Senior Underwriter" is a button pusher who has been there for 12 months longer than the grunts and doesn't have any power to take a view or make a decision - it all comes back to "The Computer says...".

Its enough to make you want to buy another brand of car just so that you don't have to deal with these people. Its no wonder the UK suffered a banking crisis if people like that are allowed to make any kind of decision at all.

We bought a Motorhome for 26000 in March through a garage. The loan was through black horse finance. Because of repeated repairs and damage not picked up initially we didn't have the van at home until July. We complained to black horse and the complaints escalation team were unhelpful robot like rude people. No empathy or understanding. In the end I had pay for a independent person to check the van and had free consultation with a solicitor. Black horse then sent their own engineer who agreed the van wasn't fit as sold. They rejected the van in August. They have offered the payments back less usage when the van was stored in the garage awaiting parts for three months. The stress this has caused is immense. As compensation for trips back and forth from Exeter to bridgewater about five times. Numerous distressing calls and requests for this to be sorted we still are paying 360 per month to pay for a van which we cannot use and are paying 40 per month to store.

It's now with the financial ombudsman. Every request to black horse that the ombudsman makes seems to take two weeks for a reply. The ombudsman suggested we ask they take the van back now and argue the financial settlement later. This would prevent us paying tax insurance storage and 360 payments per month. But no. They refused.

The ombudsman also suggested requesting lower payments as they have already agreed in writing to reject the vehicle. But no. They refuse this too.

Do not use black horse finance. They are unsupportive and useless when you have a genuine issue.