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

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.

Called twice, systems were down on both occasions, was told I would get a call back but didn't! Called again and was challenged by the most ignorant male advisor I have ever came across in my life, thank goodness I am not committed to this company, I will be taking my business elsewhere, would never recommend this company to anyone and don't understand why dealerships use this company at all!

Had problems with this company for over 4 years. Grossly incompetent staff, bad communication and underhand tactics e.g. not ensuring it was clear that they take a double payment for your first instalment. Has put me off purchasing on finance for life. DO NOT USE.

I have never been treated in such an underhanded way by any other company. Even when buying a MacDonalds, I have been treated with better customer service. They try to twist and turn in every direction rather than treat a client fairly. They are the worst company that I have ever dealt with. Stay clear, or be sorry that you've heard their name.

I financed a vauxhall Antara through black horse. 6months after I got car it went on fire with myself and 2 kids In it an we were lucky to escape!! Long story short, Vauxhall admitted liability however 6 weeks later I am still having hassle from vauxhall and my insurers. My saving grace has been black horse . Phoning me to check how things going, paying for stuff leaving me out of pocket as I have been off work through stress and anxiety( that shouldn't really have been their fault anyway), and also chasing the other company's to sort things out for me. So far I am really happy and grateful to blackhorse or I would have been lost and not got anywhere.

I have had a 0% loan with black horse since 2011 which has been perfect with no problems. My father is a guarantor and has recently had a change in circumstances meaning I need to get him removed. I have had a major change in circumstances now earning 8k more than I did when I took out the loan and they refused to remove a guarantor or even look into it. I can understand if my circumstances were the same as I was earning £15k at the time but I am now earning over £23k with only 24 payments left. Wouldn't use them again.

To warn everyone this company is a disgrace currently with black horse 12.8 apr went to buy another car using them- signed was due to pick car up to be told the company I had paid every month on time for had refused me finance. Totally distraught on there website they said not to email- when I phoned I was told email :(, got through to new business sector total jobs worth calling himself Gareth terminated my call!! I was on phone from 8.30 they do not open that department until 9- hours later still no answer and as to why so basically left with BMW m sport now in negative equity as I cannot refinance the car. I feel physically ill and now applied for credit report £3.50 over the phone with equifax. How a company you have never missed a payment on can treat a customer like this is disgusting and do not go through to new business they will terminate your call. Rude vile company be warned.

My father died 5 months ago and he had two vehicles on hire-purchase with Blackhorse. I actually found most of my dealings with them to be excellent. They were far more patient than I would have expected given the amounts of money outstanding, and were very kind as long as I kept them updated with how matters of the estate were progressing as it took quite a long time to obtain probate. I eventually chose to return one of the vehicles and made small payments towards the other until the estate was in a position to fully repay. This went very smoothly. The man who came to take away the car was compassionate as I was clearly upset to see it go. My one complaint with this company was that they told me I had to return the car BEFORE arranging with DVLA to have its personalised numberplate removed. This caused complications because the car has to be in your possession to do this. As a warning to others, if you have a personalised numberplate on a vehicle ensure you sort this out before returning it.

I fell behind with payments after loosing my partner they wanted full amount of loan impossible !! They give me notice they were taking car .i took them to court the judge suspended the warrant they took the car anyhow .i went back to court I paid my arrears only which is what I asked black horse if I could do they declined .they were ordered to return the car forthwith .they wouldn't return car unless I paid for it to be returned .i went to court again and got the car back for free .my advice is take them to court if they are unfair it costs about 50.00 but you will get to keep your car and if I get any more problems I would do it again .my car is almost paid now thank god don't ever go near these with a barge pole