Black Horse Loans Reviews - www.blackhorse.co.uk

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★★☆☆☆
2.1 / 5
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★★★★★

“Very helpful”

Written on: 13/03/2013

Quick desicion on finance for car even extended the term to lower the payments as the car was nearly eight years old was told that this is very uncommon but great for me as put the car in my financial reach, the warranty company wouldnt pay out when should of done so one call to customer services and the money I paid to get car fixed was reimbursed… Read Full Review

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★★☆☆☆

“Customer Service A Joke!”

Written on: 02/02/2013

Appauling customer service, called to speak to advisors about exisiting policy and was rudely spoken to and told information abruptly. easy to see why all the negitave feedback regarding them. Lot of 'hidden' fees which was not made aware of… Read Full Review

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Squishgalaxy's Comment

Written on: 13/01/2015

Hope you didn't get [name removed]! He terminates all his calls never in my life have u dealt with such people! Make monthly payments buy another car and to be told day before I collect it they cannot go ahead my own company declined ! I am leaving them ASAP!

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★☆☆☆☆

“Worse than a loan shark!”

Written on: 17/09/2012

Never never be tempted to take out a black horse loan, they miss sold me the wrong PPI, saying they had filled out the wrong form that I foolishly signed and I may not get the loan if I change back to the PPI that was correct for my needs. The interest being charged over the loans duration, is sky high and far higher than many loan shark companies. I recently became unemployed and Black Horse have insisted on a £10 per week payment out of my £67.50. Barclaycard on the other hand, put my… Read Full Review

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★☆☆☆☆

“payment date change”

Written on: 02/07/2012 by bandit151 (1 review written)

thank you for telling us that you wish to change your payment date we confirm that your new payment date will be 28th of each month starting from 28th july 2012 additional intrest charge is payable wnen customers defer their payment dates and for this change the additional intrest £56.68 asyou pay direct debit you need take no action as we will automatically collect this amount with you next payment… Read Full Review

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★☆☆☆☆

“Customer service”

Written on: 01/06/2012 by Mike19782 (1 review written)

Black horse have taken customer service to a new low. There ability to put you on hold for hours at a time is disgusting. I would never use this company again nor would I recommend anybody else too… Read Full Review

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★☆☆☆☆

“Refinancing a car on HPI”

Written on: 14/10/2011

We recently went back to refinance our car that we got from a dealer, because of job changes and more miles we needed a economical diesel. We went in, chose a car and went through the paperwork. We've had calls back from the garage saying that Black Horse is DEMANDING a deposit otherwise we will NOT get finance, and the payments are on random tiers. We already paid a deposit of £2,000 2 years ago for our previous vehicle, seems really bad to make customers redeposit when refinancing to a… Read Full Review

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★☆☆☆☆

“Black Horse customer service poor went to another...”

Written on: 28/03/2011

Black Horse customer service poor went to another finance company cheaper rate of 9.9% and brilliant service did the whole deal within an hour
My recommedation is to stay away from Black Horse unless you want shoddy serice and expensive intrest rate… Read Full Review

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Zacobrien's Comment

Written on: 02/05/2011

Thanks for that info, which company did you get that deal from, I would like to try them

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★★★★★

“I have dealt with this company sice 2006 ( original...”

Written on: 25/02/2011 by sazdutt (2 reviews written)

I have dealt with this company sice 2006 ( original loan for my double glazed windows ) they were brilliant throughout the application, i also taken out a top up in 2009 and yet again i received good cust service , i have personally never had a problem with them. My loan is due up in july and if asked again , i would do business with them again.
For those on here refused further credit from Blachorse, its refreshing to see a company giving a tight lending policy. maybe u have bitten off more… Read Full Review

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Scotsphil's Response to sazdutt's Review

Written on: 16/09/2013

If they "bit off more than they could chew" then Black Horse allowed them to.You are lucky that circumstances have not forced you to default and be at the mercy of these sharks. Lenders love it when borrowers default and fall fowl of penalties. Don't be so so bloody smug!

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Sazdutt's Response to sazdutt's Review

Written on: 20/09/2013

Everyone has there own experiences with companies i just expressed mine. Oobviously from your response you have had different dealings with them that hsve made u feel that bitter that you responded to my innocent review of their services. i too have defaulted so im not smug dont assume! They dealt with me fairly throughout. .. im an honest person and speak as i see, that review isnt there to. pee people off! Its there from my experience from the company. i suggest if you have a gripe about them then u should be directing ut at the company... i have there number if you need it !

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★★★★☆

“I bought a car and was financed by Black Horse and the...”

Written on: 11/02/2011

I bought a car and was financed by Black Horse and the end of my term I approached them for another loan of 25000 for consolidation they would not finance this amount as this would mean I would have to take a secured loan on my house, they advised that if i took 15000 whcih was as much as they could finance unsecured this would clear my major depts and the others were on a better rete than they could give. They were very helpful and approachable. I have still got a loan with them at the moment… Read Full Review

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★☆☆☆☆

“originaly with bank of scotland transferred to black...”

Written on: 15/11/2010

originaly with bank of scotland transferred to black horse not recomended
customer service they have added £37 28 extra to my final payment but
dont know why wont use again… Read Full Review

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Guest's Comment

Written on: 20/06/2011

I have a loan with Black Horse, and I assume it's your option to purchase fee. Basically at the end of a hire purchase agreement, that's how much you have to pay to transfer ownership of the car into your name. It's usually noted on the last payment of your agreement where it's broken down. The option to purchase fee is an administration fee and this is the fee charged for contacting DVLA, solicitors fees etc.

If it's not your option to purchase fee, it could be that you changed your reg number at some point. The fee is also noted on the agreement if you change your reg number as the agreement stipulates it is prohibited to change your reg number.

Alternatively, it could be a fee charged for changing the due date known as lost interest charge because all the interest is calculated from the outset. When you change your due date, the agreement gets extended by however many days and this interest isn't taken into account because the agreement has been ammended. That's why it's called "Lost interest charge".

Lastly, it could just be arrears where you've missed a payment/made a late payment or a cheque has bounced. All charges are stipulated on the agreement.

I have had no problem with Black Horse!

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★☆☆☆☆

“My mum neded a loan and after being left by my...”

Written on: 30/10/2010

My mum neded a loan and after being left by my 'father' and paid off all their bills on her own she was a bit worried about her credit rating. BH assured her she had been accepted for a 10K loan and my husband drove her the 40 minute drive to their office with all of the documents you are told you will need.Hopeful she went to be told within minutes that she was not approved. Ha ha she is no fool and went apeshit accusing them of all sorts of lies and demanding to know why they had told her she… Read Full Review

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★☆☆☆☆

“Don't touch this lot with a barge pole. See the whole...”

Written on: 27/09/2010 by RUSTYTLC (1 review written)

Don't touch this lot with a barge pole. See the whole fiasco for a car HP and Personal Loan deal on my non commercial site www.777v666.com and you can judge for yourself.
Kind regards to you all
Laurence Kiely… Read Full Review

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★☆☆☆☆

“Ilive in the United States and Black Horse said that...”

Written on: 26/09/2010 by fromacrossthepond (1 review written)

Ilive in the United States and Black Horse said that they could finance me. I was approved for a loan even with a poor credit rating and economic times. At first we talked everyday via email. Very friendly and warm.I was told that I had to pay 390.00usd closing costs. It was to be sent vis Western Union. I signed the documents and sent the money. I was told that the funds would be transferred into my account within 3 hrs.
suddenly the excuses began. They said I had to pay an additional… Read Full Review

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Yozdagger's Response to fromacrossthepond's Review

Written on: 10/10/2010

Looks like you have fallen victim to a common scam. Asking for money via Western Union should have set off alarm bells.
<br/>
<br/>Unfortunately I dont think you will ever see your US$390 again.

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★☆☆☆☆

“What would you think of an organisation that after 2...”

Written on: 23/09/2010

What would you think of an organisation that after 2 weeks, more and more personal information and inumerable phone calls says that the personal loan has been agreed and the money will be in your account that day or the following day. OK? Result? Not if you find that the money is not in your account and that on phoning (Yet again) says that the loan is not agreed, says that no-one is paid by credit transfer as my clients pay me (HOw are you paid, lady, by piles of small change at your desk?… Read Full Review

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Malone888's Comment

Written on: 04/10/2010

I found this review very helpful because...I was concidering taking ot a loan with these people for &pound;5000.
<br/>NOT ANY MORE!!!!!!!!!!!!!!!!!
<br/>
<br/>

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★☆☆☆☆

“Took a loan out through these guys for a car the loan...”

Written on: 01/09/2010

Took a loan out through these guys for a car the loan went through without hassle i had an accident and did my back in in 2006 tried to claim from the ppi which i was told i had to take out and they said it didnt cover me they refused to pay so i refused to pay 6 months later a bus came down the high street where the car was parked and wrote it off, payment came through from the insurance company i bought a new car and told them to go whistle. about a year later my parents receive a letter… Read Full Review

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★☆☆☆☆

“I took a one-year loan from Blackhorse, 3 years ago...”

Written on: 15/07/2010

I took a one-year loan from Blackhorse, 3 years ago when due to adverse credit (due to being made redundant) no-one else would give me a loan. I have repaid that as per my agreement and subsequently borrowed more money at the end of the previous loan term 2 years ago (2 year loan) and I am now at the end of that second agreement. I have made every single payment without fail and have proved to be a good client. I made an application for a further loan - less that I borrowed before - and was… Read Full Review

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★☆☆☆☆

“I boought a car on HP 4 years ago which was initially...”

Written on: 04/06/2010

I boought a car on HP 4 years ago which was initially handled by Bank of Scotland however I was told on Friday that all HBOS HP accounts were being transfered to Blackhorse. During this period I am trying to make the settlement payment of £2,300 from another finance company but Blackhorse have made it so difficult by not having any notes on my account of information given to me by HBOS, including £400.00 charges that should never have been there, refused to contact the new finance company to… Read Full Review

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★☆☆☆☆

“Forced me to buy PPI for a massive £26pcm. Tried to...”

Written on: 21/05/2010

Forced me to buy PPI for a massive £26pcm. Tried to claim from it and was told it didn't cover me - FOR ANYTHING - as I was self-employed! Tried to cancel it, they simply ignored my requests, sent in writing, all 5 of them. They eventually repossessed the car and I find out that I could have a PPI from my bank for £6pcm which would have covered me.

THESE GUYS ARE CON-ARTISTS - AVOID THEM AT ALL COSTS… Read Full Review

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★☆☆☆☆

“I took out finance through a broker for a car 2 years...”

Written on: 26/04/2010

I took out finance through a broker for a car 2 years later BH tell me I provided false documents repossessed the car through the police auctioned it and did not even let me buy it outright. I now have a bill of thousands from them! Gone to the FOS to deal with it. I tried to clear my name they didn't want anything to do with it. The police never contacted me neither did the company and they sold the car and did not even tell me. I had to chase them up. STAY AWAY!!!… Read Full Review

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★☆☆☆☆

“It was simple and speedy to get finance. What the car...”

Written on: 07/03/2010

It was simple and speedy to get finance. What the car company (motorpoint) said we would pay in interest and what the initial contact person for black horse said we would pay was innacurate and misleading. I very foolishly accepted the verbal information and did not read the agreement properly. I thought I was signing for the amount of repayment given on the phone. I am responsible for not checking the document properly but there is something distinctly untrustworthy about this company. I have… Read Full Review

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