Julia's community profile page - Smart Money People

Write a review

Go to business site

Viewing profile for,

Julia

Total reviews written

Helpful marks given to their reviews

Times reviews seen

All reviews (1)

Review of the Black Horse, Car Finance:

View on product page

We no longer feel safe driving the car

This has been one of the most stressful and upsetting experiences we have ever had with a finance company. We financed a car through Black Horse and within less than six months, it broke down. It was later discovered that the vehicle had been involved in a major accident before we bought it, something that was never disclosed to us. Documentation relating to this was actually found inside the car itself. Since then, the vehicle has been in and out of the garage multiple times. The most frightening issue is water leaking inside the car. This is an electric vehicle, which makes this an extremely serious safety concern. We have an eight-year-old child who travels in this car, and we genuinely do not feel safe using it. The situation has caused enormous stress to our family. We have lost time, paid for taxis, rearranged work and childcare, and spent countless hours chasing garages and the finance company. We were given replacement vehicles that were initially not comparable to what we are paying for, which caused even more disruption. Despite all of this, Black Horse have dismissed the problems as “not significant” and offered just over £300 compensation, while refusing to end the finance agreement. That response feels incredibly dismissive given the repeated failures, safety concerns, and emotional toll this has taken on us. At no point have we felt listened to, supported, or protected. Instead, we are expected to continue paying for a car we no longer trust or feel safe driving. I am sharing this experience so other people can make an informed decision. If safety, accountability, and support matter to you, please think very carefully before choosing Black Horse Finance. Reviewed on: 7th January 2026

We are helping 1000s to make smarter financial decisions

We use the power of consumer reviews to help increase trust and transparency in financial services and to deliver industry leading insight and events.