Black Horse Loans www.blackhorse.co.uk

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Black Horse Loans www.blackhorse.co.uk
★★☆☆☆
2.1
31.0% of users recommend this
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Latest Reviews

“DO NOT USE”

★☆☆☆☆

written by Urquhart1949 on 03/02/2022

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.

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“they are taking advantage of people in need”

★☆☆☆☆

written by ColtonGrace on 27/04/2020

£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.

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“NO HELP ”

★☆☆☆☆

written by DarianHeath155 on 28/03/2020

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

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“Corona virus ”

★☆☆☆☆

written by Joannewikiera on 22/03/2020

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

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“Do not use Blackhorse”

★☆☆☆☆

written by DonotbuyfromBlackhorse on 08/02/2020

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.

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“Bully”

★☆☆☆☆

written by Tidgeyboo on 09/05/2018

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.

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“Black Horse masquerading as JLR Finance - AVOID!”

★☆☆☆☆

written by Jennye1961 on 12/12/2017

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.

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“Sold dodgy Motorhome. They could not care less. ”

★☆☆☆☆

written by tsheppard1 on 07/11/2017

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.

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“Disgusting customer service ”

★☆☆☆☆

written by on 03/06/2017

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!

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“Completely incompetent”

★☆☆☆☆

written by Shaniya451 on 19/05/2017

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.

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“Hidious and underhanded.”

★☆☆☆☆

written by Sydney236 on 05/11/2016

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.

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“Very bad experience!!!!”

★☆☆☆☆

written by Qasimuk on 10/03/2016

I purchased a Mercedes on finance about a year ago from black horse. Everything was fine up until the vehicle started to have problems. My vehicle would not move due to a electronic fault and black horse said they will send an engineer to asses it. They took so long to send an engineer that before he could arrive someone smashed in to the back of my car and drove off so I had to claim through my insurance and pay the excess so I now have a fault claim on my name and still had to pay my loan back every month. Black horse said "when you get the vehicle back let us know and we will send an engineer immediately". Black horse then sent an engineer after a week of me telling them I now have my vehicle. Black horse now say in normal cases it can take 56 days to reach a conclusion when we have the engineers report. Absolutely dreadful as I have to still pay for my car every month but have no car to drive and also can not get to work using my car which is 40 miles away so have to hire a car or use public transport that takes 2 hours. AVOID THIS COMPANY AS THEY WILL NOT HELP IN ANY CIRCUMSTANCE!!

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Tsheppard1's Response to Qasimuk's Review

Written on: 07/11/2017

They are useless and incompetent

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“Rude Service”

★☆☆☆☆

written by PeterReinhard on 28/08/2015

Came back from Holiday and saw that my wife's Direct Debit was not paid because of lack of funds. Called Land Rover Finance [also known as Black Horse Finance] to pay the £ 711 instalment by Debit Card. Cannot believe that the person was so rude and discourteous to me, at first refusing to take my payment and then patronisingly lecturing and berating me about my name. Obviously staff training and courtesy to Customers do not exist at Black Horse!

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“Great customer service!”

★★★★☆

written by MercedesMcCracken225 on 04/05/2015

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.

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“0% but no understanding of circumstances”

★★☆☆☆

written by Jaimek124 on 17/01/2015

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.

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“To warn everyone this company is a disgrace currently...”

★☆☆☆☆

written by 247Hodges on 13/01/2015

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.

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“Faulty Goods”

★★★★★

written by TheBoy7 on 03/07/2014

I would like to say i used Black Horse finance to buy a car. The car i bought had faults. I contacted the Dealer i bought it from and they wanted nothing to do with my claim. I contacted Black Horse and it first there was a bit confusion over the claim. Once the confusion was sorted Black Horse were really good at sorting the problem.

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Alexsophieamber's Response to TheBoy7's Review

Written on: 03/05/2015

Was it a vauxhall by any chance?

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Theboy7's reply to Alexsophieamber's Comment

Written on: 03/05/2015

No it was a VW from Benfield Silverlink.
They were in their rights as my contract was with finance company"but bad customer service from Benfield"

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“Compassionate customer service”

★★★★☆

written by Rachel2014 on 19/02/2014

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.

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“Worst company ever”

★☆☆☆☆

written by on 04/01/2014

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

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Capperauld's Comment

Written on: 09/02/2014

Join the club. Just the same experience as you. My court date is two weeks away. Losing the will to live. They are so ignorant . Not people people at all. They think that being a "corporation" they can steamroller the likes of you and I and we will roll over and say nothing. Not this guy I will be shouting my case in court.

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Tsheppard1's Comment

Written on: 07/11/2017

This is disgusting.

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Squishgalaxy's Comment

Written on: 13/01/2015

Total scumbags they are I paid every month on time and after what we beloved had bought new car only to be told they had declined phoned for help and call was terminated by Gareth! Do not ever use this company I hope you recovered after dealing with them utter scumbags.

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“Simply Amazing”

★★★★★

written by Margaret214 on 01/01/2014

To all the people who have made negative comments about Black horse Finance. I have been a customer for over 15 years. Recently I have had to ask Black horse for help. My medical and financial situation meant that I was struggling to meet my monthly car finance. I spoke to some senior guy called James who could not do enough for me. Even very senior director and steak holder even replied to my email. Black horse Finance are so truly professional and are a fantastic company to deal with. Take my word and do not look at the rubbish that idiots post. They buy a car and don't want to face up to the financial responsibilities. BLACK HORSE are fantastic. Margaret Fraser Cheshire

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Squishgalaxy's Response to Margaret214's Review

Written on: 13/01/2015

Totally disagree I a customer of 2 half years never missed a payment and they declined my finance after what we thought had bought a car. Glad you had good experience but I would warn anyone I paid on time every month and yet they declined when we phoned a Gareth from business section cancelled call!

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Margaret214's reply to Squishgalaxy's Comment

Written on: 13/01/2015

You can disagree, but there 2 sides to every story. Blackhorse are a professional reputable company and they looked at my case from both sides. I understood that I had to take full responsibility but give them credit here they treated the customer very fairly. Blackhorse all they way.

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Brzeczyszczykiewicz's reply to Margaret214's Comment

Written on: 10/10/2015

I agree with you. They do according to what customer VOLUNTARILY PROMISED to do. I am sorry, but if you do not have the money put aside for a rainy day (at least 3 months all bills equivalent), then do not buy a car just to impress your neighbours.

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Alexsophieamber's Response to Margaret214's Review

Written on: 03/05/2015

That's what I think too. They will go out there way to help you if you meed them. I have had no problems with them.

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Our helpful community of likeminded people will be happy to answer any questions that you have.

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Asked by Dant91 on 23rd February 2015 Report this content
I had a car loan good for 5 years to pay. After a year I decide to pay it in full out of my personal bank. I have now changed my mind and want my money back from Black Horse. Can I have it back? I will return it to my bank as they told me to return it if I am not happy within 14 days. Now I want to go back to my contract with Black Horse and back to my monthly payment. Please help me as I'm paying more money with my loan in my bank. Thank you.

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Asked by harrypidd on 4th November 2014 Report this content
I have a loan with them and have changed my address. How do I inform them of this?

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Asked by kgrover1974 on 2nd June 2014 Report this content
I have been a customer with black horse for ten years now with various loans and the last five years finance on a car. I want to refinance my car for a new one, and I never missed a payment. Will I be accepted again?

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Asked by bailey31 on 16th April 2014 Report this content
Black Horse have agreed to take back my car after only having it for 3 months due to power steering problems but do I have to have a like for like? I really don't want the same vehicle it has put me off this car.

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Answers (1)
Report this content ak89 Written on: 16/04/2014
I'm not sure if they "have" to give you like for like, but do not let a problem put you off another car. They generally have good cars there and are a decent company to buy from. Just put it down to the fact you were unlucky and had a bad apple... so take the like for like and enjoy it!
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