Black Horse Finance have caused me nothing but headaches. I purchased a new vehicle with a previous girlfriend from a Kia showroom. After agreeing a price we arranged finance (Personal Loan) through our joint bank (Barclays) for the £22,000 it would be costing us. As we arrived at the showroom to collect the vehicle the salesman who we had been dealing with suggested we took their finance as the rate was cheaper than what we were paying at Barclays. Before agreeing my partner and I asked for assurance that the loan would indeed be a PERSONAL LOAN. Meaning, that when it came to selling the car we would not have any problems selling it. I had personally been the victim of buying a car which had finance remaining on it back during the late 1980's, so I was aware of the potential issues involved in these matters. After signing the finance agreement, which clearly stated PERSONAL LOAN at the top of the form we drove the vehicle away. Two years later and my girlfriend and I went our separate ways, so we agreed that we would sell the car. This is where the grief began! After placing an advertisement a buyer viewed the vehicle and we arranged for him to collect it the following Friday. He would be paying by bank transfer and I assured him that there was no finance remaining on the vehicle. However, on the morning when I was expecting the money to arrive into my bank account I received a call from the buyer stating that the HPi check he has initiated stated that there was finance remaining on the vehicle! I immediately contacted the finance company who informed me that I would have to clear the remaining finance (approximately £7,000, which I did NOT have) before the car was legally owned by the new owner (who would not of course pay me until I had done this!) Again, when I took out the loan I was assured that it was indeed a personal loan, meaning that the money could have been used for a holiday, new breasts, or indeed ANYTHING. Had I ignored the Kia Salesman the matter would have been addressed by now. I would simply be paying off the outstanding amount each month without any problems. The matter has now gone on for 10 MONTHS and the vehicle has depreciated further (meaning, the longer the matter goes on, the more money I lose) I urge ANYONE considering taking a 'personal loan' through Kia/Black Horse Finance to THINK before doing so. It may be more expensive dealing with your personal bankers, but should you be considering selling the vehicle before the conclusion of the agreement and you do not have any spare cash, you will be SCREWED, and stuck with a vehicle you no longer need.