Published decisions
1,401
Firm-specific decision volume in the public corpus
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.
Upheld rate
30.1%
421 upheld decisions
Page summary
1,401 published decisions involving Black Horse Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,401
Firm-specific decision volume in the public corpus
Upheld rate
30.1%
421 upheld decisions
Latest published decision 20 Apr 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
1,401
Firm-specific decision volume in the public corpus
Upheld rate
30.1%
421 upheld decisions
Leading product
Banking and credit
586 decisions
Leading complaint theme
Affordability Assessment Failure
131 tagged decisions
Black Horse Limited at a glance
AnalysisBlack Horse Limited appears in 1,401 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 (16 decisions)
- Most common complaint theme: Affordability Assessment Failure
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisBlack 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 16 published decisions with an upheld rate of 31.3%.
- 2026: 16 decisions, 31.3% 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
AnalysisAffordability 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-626595120 Apr 2026Not upheld
Black Horse Limited · Consumer Credit
It’s my final decision that Black Horse Limited’s offer is fair. For the avoidance of doubt, this includes any insurance admin fee and charge for retaining the cherished plate (adding 8% simple interest from the date each was incurred until the date of payment), upon receiving proof of Mr N incurring these sums.
View source decisionDRN-628612320 Apr 2026Not upheld
Black Horse Limited · Consumer Credit
My final decision is that I’m not upholding Mr F’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr F to accept or reject my decision before 18 May 2026.
View source decisionDRN-629243117 Apr 2026Upheld
Black Horse Limited · Consumer Credit
My final decision is that I uphold this complaint and direct Black Horse Limited to take the above steps in resolution of it. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr C to accept or reject my decision before 15 May 2026.
View source decisionDRN-624207702 Apr 2026Not upheld
Black Horse Limited · Consumer Credit
My final decision is that I’m not upholding Miss R’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss R to accept or reject my decision before 30 April 2026.
View source decisionDRN-596427223 Mar 2026Upheld
Black Horse Limited · Consumer Credit
My decision is that I uphold Mr B’s complaint and order Black Horse Limited to: 1. Refund £11,809.
View source decision