Black Horse customers could be owed £1,658* for car finance.
Find out whether your Black Horse agreements could be eligible for compensation.*You may be able to make a complaint yourself to the Financial Ombudsman Service for free or redress may be available for free via the FCA's proposed consumer redress scheme.
Black Horse agreement check
If your lender was Black Horse, you can check your past car finance agreements online.
Compensation Scheme
The regulator is currently consulting on an industry-wide compensation scheme for mis-sold car finance. In October 2025 it published proposals (CP25/27) for a Motor Finance Consumer Redress Scheme covering eligible agreements between 2007 and 2024. If approved, the FCA expects to finalise the rules in early 2026, with lenders starting to pay redress later in 2026.
Unfair Agreements
Following a major Supreme Court case in August 2025, the regulator confirmed that some car-finance agreements could still be unfair even if the interest rate was never adjusted. This applies only in specific situations, such as when high commissions were involved — meaning millions of people who financed a vehicle between April 2007 and November 2024 could be affected.
Inflated interest rates
Prior to the practice being banned by the regulator in January 2021, car dealerships could receive higher commissions by adjusting the interest rate on your car loan. This practice was known as Discretionary Commission Arrangement (DCA) and has now been prohibited by the regulator.
Contractual Ties
Some car dealers were paid by certain lenders to arrange finance through them. Customers were often not told about these incentives and believed they were being shown the best available deal. If your dealer recommended a specific lender without explaining their financial relationship, your agreement could still be eligible for review.
Don't take our word for it
Over 300,000 drivers have trusted Complex Law to locate and check their past car finance agreements.
Why use our Black Horse claims checker
We help you locate agreements, check eligibility, and understand what happens after starting a claim.
We Find Your Agreements
Our system locates and checks your past car finance agreements dating back to 2007 in under 2 minutes, even if you have moved homes or changed names since purchase.
We Check Your Eligibility
Each of your agreements are checked to reveal if they may have included hidden commission payments.
Your Results
We instantly confirm whether any of your agreements might qualify for compensation.
Our Experts Take Over
Your case is handled along with 300,000 others by our trusted legal experts on a No Win, No Fee basis.
Frequently Asked Questions
You may be eligible if you used car finance in the UK between 2007 and 2024 and your agreement may have involved hidden commission, inflated interest rates, or another unfair lender-dealer arrangement. Our checker is designed to help identify agreements that could qualify for a further review.
A commission is a payment made by a lender to a broker or dealership for arranging finance. If that commission was not clearly disclosed, or if it influenced the deal you were offered, your agreement could potentially be relevant to a claim.
Many claims relate to common vehicle finance products such as PCP, HP, and other dealership-arranged finance agreements. Whether a particular agreement is suitable depends on the lender, the date, and how the finance was arranged.
Click any `Start My Claim` button, complete the short form on `join.html`, and provide the details requested there. From there, the checker can begin locating agreements and assessing whether they may be worth reviewing further.
The only reliable way to know is to check the agreement details against the lender and the type of commission structure that may have applied at the time. That is why the site focuses on helping you identify and review past finance agreements.
Yes. If you have had more than one vehicle on finance, each agreement can potentially be checked separately. Many people have had multiple agreements over the years, and more than one could be relevant.
The online checker is designed to start in just a couple of minutes, but any full claim timeline can vary depending on the lender, the agreement, and the wider regulatory process. If your agreements look relevant, the next steps may take longer.
Complex Law positions this service around three steps: locating older agreements, checking potential eligibility, and helping you understand what comes next. The page also highlights expert support and a No Win, No Fee approach.
