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

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★☆☆☆☆

“they are taking advantage of people in need”

Written on: 27/04/2020 by ColtonGrace (1 review written)

£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… Read Full Review

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★☆☆☆☆

“NO HELP ”

Written on: 28/03/2020 by DarianHeath155 (1 review written)

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… Read Full Review

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★☆☆☆☆

“Corona virus ”

Written on: 22/03/2020 by Joannewikiera (1 review written)

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… Read Full Review

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★☆☆☆☆

“Do not use Blackhorse”

Written on: 08/02/2020 by DonotbuyfromBlackhorse (1 review written)

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… Read Full Review

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★☆☆☆☆

“Bully”

Written on: 09/05/2018 by Tidgeyboo (1 review written)

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… Read Full Review

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★☆☆☆☆

“Black Horse masquerading as JLR Finance - AVOID!”

Written on: 12/12/2017 by Jennye1961 (1 review written)

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… Read Full Review

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★☆☆☆☆

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

Written on: 07/11/2017 by tsheppard1 (1 review written)

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… Read Full Review

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★☆☆☆☆

“Disgusting customer service ”

Written 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!… Read Full Review

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★☆☆☆☆

“Completely incompetent”

Written on: 19/05/2017 by Shaniya451 (1 review written)

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… Read Full Review

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★☆☆☆☆

“Hidious and underhanded.”

Written on: 05/11/2016 by Sydney236 (1 review written)

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… Read Full Review

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★☆☆☆☆

“Very bad experience!!!!”

Written on: 10/03/2016 by Qasimuk (1 review written)

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… Read Full Review

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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 on: 28/08/2015 by PeterReinhard (2 reviews written)

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!… Read Full Review

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★☆☆☆☆

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

Written on: 13/01/2015 by 247Hodges (1 review written)

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… Read Full Review

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★☆☆☆☆

“Worst company ever”

Written 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… Read Full Review

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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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★☆☆☆☆

“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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★☆☆☆☆

“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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