Firm analysis

Black Horse Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Black Horse Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

1,387 published decisions involving Black Horse Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,387

Firm-specific decision volume in the public corpus

Upheld rate

30.1%

417 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

1,387

Firm-specific decision volume in the public corpus

Upheld rate

30.1%

417 upheld decisions

Leading product

Banking and credit

586 decisions

Leading complaint theme

Affordability Assessment Failure

129 tagged decisions

Black Horse Limited at a glance

Black Horse Limited appears in 1,387 published decisions in this corpus. 30.1% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Banking and credit is the firm’s clearest product exposure in the published decisions, with 586 decisions and an upheld rate of 29.0%.

  • Latest active year in the published data: 2026 (2 decisions)
  • Most common complaint theme: Affordability Assessment Failure
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Black Horse Limited's decision trail runs from 2013 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Black Horse Limited appeared in 2 published decisions with an upheld rate of 50.0%.

  • 2026: 2 decisions, 50.0% upheld
  • 2025: 178 decisions, 32.0% upheld
  • 2024: 82 decisions, 31.7% upheld
  • 2023: 51 decisions, 13.7% upheld
  • 2022: 65 decisions, 29.2% upheld

Themes, products, and precedent signals

Affordability Assessment Failure is the strongest complaint-theme signal tied to Black Horse Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Section 140a Cca, Conc, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Banking and credit: 586 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Section 140a Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-593929402 Feb 2026Upheld

Black Horse Limited · Consumer Credit

For the reasons I’ve given above, I uphold this complaint in part and tell Black Horse Limited to put things right in the way I’ve set out above; the way they’ve already agreed to remedy the situation. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr C to accept or reject my decision before 2 March 2026.

View source decision
DRN-596461029 Jan 2026Not upheld

Black Horse Limited · Consumer Credit

For the reasons I’ve set out above, I don’t uphold this complaint, Under the rules of the Financial Ombudsman Service, I’m required to ask Mr R to accept or reject my decision before 26 February 2026. Daniel Picken Ombudsman

View source decision
DRN-604689930 Dec 2025Upheld

Black Horse Limited · Consumer Credit

DRN-6046899 The complaint Mr O complains about the quality of a car he acquired under a hire purchase agreement with Black Horse Limited (BH). When I refer to what Mr O and BH said or did, it should also be taken to include things said or done on their behalf. What happened In Decembe... (4 pages)

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DRN-581112523 Dec 2025Not upheld

Black Horse Limited · Consumer Credit

DRN-5811125 The complaint Mrs T is complaining about Black Horse Limited (Black Horse). She says they were irresponsible in lending to her as the finance was unaffordable. What happened In July 2021, Mrs T entered into a hire purchase agreement with Black Horse to finance the purchase o... (3 pages)

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DRN-565959422 Dec 2025Not upheld

Black Horse Limited · Consumer Credit

DRN-5659594 The complaint Ms D complains Black Horse Limited (Black Horse) irresponsibly lent to her because it didn’t complete reasonable and proportionate checks to ensure the lending was affordable for her. What happened Ms D entered into a hire purchase agreement with Black Horse i... (4 pages)

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