This Tool Searches Your Old Car Finance Deals & Flags Any Potential Refunds

Complex Law | Mis-Sold Car Finance Compensation Claims
Start My Claim
Thousands Helped • Up to £1,658* Payout • Rated Excellent
Black Horse Car Finance Claims
Find out whether your Black Horse agreements could be eligible for compensation.
Start My Claim
*We find on average 2 car finance agreements per client, giving potential claim value of £1,658.
*You may be able to make a complaint yourself to the Financial Ombudsman Service for free or redress may be available for free via the FCA's proposed consumer redress scheme.
300,000+ drivers have trusted Complex Law Average time to signup just 60 seconds
Black Horse agreement check
If your lender was Black Horse, you can check your past car finance agreements online.
Inflated interest rates
Prior to the practice being banned by the regulator in January 2021, car dealerships could receive higher commissions by adjusting the interest rate on your car loan. This practice was known as Discretionary Commission Arrangement (DCA) and has now been prohibited by the regulator.
Start My Claim
Unfair Agreements
Following a major Supreme Court case in August 2025, the regulator confirmed that some car-finance agreements could still be unfair even if the interest rate was never adjusted. This applies only in specific situations, such as when high commissions were involved — meaning millions of people who financed a vehicle between April 2007 and November 2024 could be affected.
Start My Claim
Contractual Ties
Some car dealers were paid by certain lenders to arrange finance through them. Customers were often not told about these incentives and believed they were being shown the best available deal. If your dealer recommended a specific lender without explaining their financial relationship, your agreement could still be eligible for review.
Start My Claim
Compensation Scheme
The regulator is currently consulting on an industry-wide compensation scheme for mis-sold car finance. In October 2025 it published proposals (CP25/27) for a Motor Finance Consumer Redress Scheme covering eligible agreements between 2007 and 2024. If approved, the FCA expects to finalise the rules in early 2026, with lenders starting to pay redress later in 2026.
Start My Claim
Don't take our word for it
Over 300,000 drivers have trusted Complex Law to locate and check their past car finance agreements.
Start My Claim
Why use our Black Horse claims checker
We help you locate agreements, check eligibility, and understand what happens after starting a claim.
We Find Your Agreements
Our system locates and checks your past car finance agreements dating back to 2007 in under 2 minutes, even if you have moved homes or changed names since purchase.
Start My Claim
We Check Your Eligibility
Each of your agreements are checked to reveal if they may have included hidden commission payments.
Start My Claim
Your Results
We instantly confirm whether any of your agreements might qualify for compensation.
Start My Claim
Our Experts Take Over
Your case is handled along with 300,000 others by our trusted legal experts on a No Win, No Fee basis.
Start My Claim
You may be able to make a complaint yourself to the Financial Ombudsman Service for free or redress may be available for free via the FCA’s proposed consumer redress scheme.
Frequently Asked Questions
Am I eligible to file a car finance claim?
What is a commission on car finance?
Which types of vehicle financing are eligible for making a claim?
How do I sign up to make a car finance claim?
Was my car finance affected by hidden commissions?
Is it possible to make claims for several finance agreements?
How long will the claim take?
Why choose Complex Law?
Complex Law LTD T/A Complex Law, SJ Law, Smith Jones Solicitors
Company Registration: 6938570
Registered Office: Avenue HQ, Mann Island, Liverpool, L3 1BP
Authorised and regulated by the Solicitors Regulation Authority.
Social
Facebook Instagram X/Twitter
Legal
Complaints Procedure Privacy and Cookies Terms and Conditions
© 2026 ComplexLaw. All rights reserved | SRA Registration: 515276 | VAT Reg number: GB 976 4660 72.
*No win, No fee means you won’t pay anything at all unless your claim is successful, and you comply with our Agreement. A regulatory fee restriction applies to all successful claims (see our Agreement). A cancellation fee may apply if you withdraw your claim more than 14 days after signing-up.
** The FCA currently estimates that most individuals will potentially receive an average of £829 in compensation per agreement. We find on average 2 car finance agreements per client, giving a potential claim value of 1,658. See: https://www.fca.org.uk/news/press-releases/millions-car-finance-customers-payouts-fca-goes-ahead-compensation-scheme
***All figures and information are based on the FCA's motor finance investigation, their review of a redress scheme, and the Supreme Court ruling.
**** Our online checker refers to the soft credit check completed online to identify potentially eligible finance agreements

Text scraped from the landing page for research purposes. © respective owners. This text is sourced from the advertiser's public landing page; for removal, contact dmca@luba.media.