Published decisions
1,387
Firm-specific decision volume in the public corpus
Firm 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 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%.
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%.
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.
Representative cases
5 examples shown
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 decisionFor 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 decisionDRN-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)
View source decisionDRN-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)
View source decisionDRN-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)
View source decision