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Black Horse · Ford

Ford finance with Black Horse

Check whether your Ford agreement arranged through Black Horse between 2007 and 2024 is eligible under the FCA's Consumer Redress Scheme.

Takes under 60 seconds. No documents needed. No win, no fee*.

About Black Horse

Black Horse has set aside £1.95 billion for motor finance redress. Lloyds confirmed in April 2026 it does not anticipate needing to make further provisions following PS26/3, though this could shift depending on consumer uptake and any separate litigation.

Named prominently throughout the FCA review. Lloyds confirmed in April 2026 it will not challenge the scheme. Black Horse is widely regarded as one of the lenders with the highest DCA exposure in the market given the scale of its book.

Black Horse is the UK's largest motor finance lender and is considered to have had significant DCA exposure across its book during the period before the FCA ban in January 2021.

Current scheme status

Accepting scheme; not challenging. Preparing for implementation.

Ford and motor finance

Ford was the UK's best-selling car brand for most of the period covered by the FCA scheme, with millions of agreements written between 2007 and 2024.

PCP became the dominant purchase route for Ford from around 2012 onwards, with HP remaining common for earlier agreements. Ford Credit operated as the manufacturer's own finance arm, though broad market lenders including Black Horse, Close Brothers, and Santander also wrote significant volumes of Ford finance through dealer networks.

By the peak of the DCA era, over 80% of new Ford cars in the UK were financed on PCP or HP. Agreement values ranged from approximately £8,000 on a Fiesta to £28,000 on an Edge or Galaxy, making Ford one of the most commonly represented brands in commission disclosure failures identified by the FCA. The scale of Ford's dealer network, one of the largest in the UK, meant dealer finance was consistently pushed at the point of sale, generating a correspondingly large number of potentially affected customers.

Common Ford models in scope

  • Ford Fiesta

    The UK's best-selling car for over 30 consecutive years, PCP and HP agreements on the Fiesta were among the most common motor finance products in the country throughout the DCA era.

  • Ford Focus

    Consistently one of the UK's top-five selling cars; widely sold on both PCP and HP throughout the scheme period, popular as both a personal and company vehicle.

  • Ford Kuga

    Ford's core family SUV, growing rapidly in volume from around 2013 onwards as the SUV segment overtook traditional hatchbacks; strongly sold on PCP.

  • Ford Mondeo

    A higher-value agreement car, widely sold on PCP throughout the scheme period; larger total credit amounts mean potentially higher redress for eligible cases.

  • Ford Puma

    Launched in 2019, the Puma became one of Ford's fastest-growing models and was heavily marketed on PCP finance through to the November 2024 scheme end date.

  • Ford EcoSport

    Ford's entry-level SUV crossover, sold in the UK from 2014; commonly financed on PCP through dealer networks during the latter part of the scheme period.

  • Ford S-Max

    A larger family MPV/crossover sold consistently on PCP and HP through the scheme period; agreements typically covered higher credit amounts.

  • Ford Galaxy

    Ford's seven-seat people carrier, sold on PCP and HP throughout the scheme period; larger agreements with higher commission exposure in eligible cases.

Are you eligible?

You may be eligible to claim against Black Horse if all of the following apply:

  • You took out a PCP or HP motor finance agreement between 6 April 2007 and 1 November 2024.
  • The finance was arranged through a UK dealer or broker, on a regulated agreement.
  • The agreement was for a car, van or motorcycle for personal use.
  • You can identify yourself, we can trace the agreement details on your behalf.

What makes an agreement eligible?

  • A Discretionary Commission Arrangement (DCA) was in place and was not properly disclosed to you. Under a DCA, the dealer could increase your interest rate to earn a larger commission from the lender without telling you.
  • The commission paid to the dealer was unusually high — amounting to at least 39% of the total cost of credit and 10% of the loan — and was not properly disclosed.
  • There was a contractual tie giving the lender exclusivity over your finance, which was not made apparent to you.

What you could receive

The FCA has confirmed the average payout under the scheme is £829 per agreement. Individual outcomes vary depending on the size of your agreement, the commission charged, and how long the finance ran. If you financed more than one vehicle through Black Horse, each agreement can be assessed.

How it works

  1. 1

    Tell us your basics

    Enter your name and a few details. We do not need finance documents to start, our team will trace historic agreements on your behalf.

  2. 2

    We assess your agreements

    We check what we find against the FCA scheme criteria and tell you which agreements are likely in scope, including any you may have forgotten.

  3. 3

    We pursue the right route

    Where the scheme offers the best outcome, we run it for you. Where independent litigation could produce a better result, we say so honestly and explain why.

Ready to check your Ford agreement with Black Horse?

Takes under 60 seconds. No documents needed. No win, no fee*.

Frequently asked questions

Did Black Horse use Discretionary Commission Arrangements on Ford finance?
Black Horse is the UK's largest motor finance lender and operated Discretionary Commission Arrangements across a significant portion of its book before the FCA banned the practice in January 2021. If your Ford finance agreement was arranged through Black Horse before that date, there is a real possibility a DCA was applied, meaning the dealer could have increased your interest rate to earn a higher commission without your knowledge.
Which Ford models are covered?
Any Ford agreement financed through Black Horse between 2007 and 2024 may be in scope, including models such as Fiesta, Focus, Kuga, Mondeo, Puma, EcoSport, S-Max and Galaxy. Eligibility depends on the specific agreement, not the model.
Can I do this myself?
Yes. You can contact your lender directly to make a complaint, or refer your claim to the Financial Ombudsman Service (FOS) yourself for free. The FCA's Consumer Redress Scheme is also designed to be accessible without legal representation.
Will making a claim affect my credit score?
No. Making a claim will not affect your credit score. This is a separate process from your credit history.
Do I need to find old paperwork?
No documents are required to get started. We can trace your finance agreements using basic personal details.
What if my lender has been taken over or has exited the market?
This is common for agreements going back to 2007. If the original lender has been acquired, merged, rebranded, or has exited the market, the successor firm typically inherits liability for historic agreements. We handle this on your behalf.

Related information

Financed a car between 2007 and 2024?

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