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Black Horse, help!


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Hubby bought a car using Black Horse finance on a deal where after 3 years either the car goes back and remaining finance is paid back using gap insurance, you have the option to buy the car outright either with finance or cash or sell the car private and pay off remaining finance.

Black Horse should send out details of what to do near the time of repayment.

Details was not sent but a direct debit for the full amount owed was claimed from the Bank account which was £5550. The money was not in the bank but the Bank allowed it to be paid! It was claimed back throught the indemnity, Black Horse was contacted and they did say on the phone that he should have been asked what option he was taking before any monies was taken, but they had not done this.

The car was sold to We Buy Any Car.com and they paid off the finance and also paid the remaining money from the sale to my hubby.

We received a letter from Black Horse stating the loan was now closed, they had received their money and the balance outstanding had been paid in full. If you would like another loan with us at any time dont hesitate to contact us, thank you very much.

That was 3 months ago, but yesterday a letter was received from Black Horse saying the loan was in default and he had 14 days to pay up the full amount of £5550 or they would start court proceedings!!

On phoning them they said the money had been returned to WeBuyAnyCar.com and the debt was back with him!! He asked why it had been returned but the person he spoke to said it was up to him (hubby)m to sort it out!!

Anyone know where we stand on this one?

Any help wold be appreciated.

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Have you spoken to webuyanycar?

They are surely sitting on your money that you need to get back off them to pay Black Horse.

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Guest webuyanycar

Hi EllyJay - I'm really sorry to hear about your difficulties. I oversee the administration team at webuyanycar.com and we can help you with this.


I'll need to know the registration of your car so I can access the details of your transaction. Could you either call us on 0845 0947 055 and ask to be put through to the administration team or email me personally. My email address is [email protected].


We'll be only too happy to liaise with Black Horse to obtain a satisfactory outcome for you.


Jeremy Herbert


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Hi there webuyanycar and welcome to cag.

Let's hope you can help sort this mess out for EllyJay. She needs the default removing off her credit file as she has done nothing to deserve it.

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Hello ellyjay,


Please do contact webuyanycar through the details posted.


They are a genuine member and are here to help.


I would also ask that other members respect webuyanycar who is here to assist our members.


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Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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Thank you ao much for your replies, especially Jeremy. We didnt seem to be getting anywhere, and Black Horse seem to have no idea why they sent the money back! They said its up to us to sort it out! Will let you know of the outcome. Thanks again

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P.S. I anyone is thinking of using Webuyanycar, go ahead, They are very good, the transaction went smoothly, and we would have no problem reccommending them to anyone looking to sell their car privately.

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  • 3 weeks later...

The saga goes on.

Black Horse have now sent 2 more letters, one to say we are in default and need to get legal advise and another thanking us for asking for an early redemption figure (we havent!) !! On the second letter it states the figure due to close the account is NIL and should be paid within 14 days!!

After another lengthy phonecall to them, they are now insisting they have returned the money paid by #We buy any car# (they havent) and WE have to get it back and they also say they have returned the direct debit money to the Bank (they havent) We have it in writing from the Bank that the money they paid us back from the indemnity claim has still not been paid back by Black Horse.

Black Horse, are insisting it is our problem to sort out, the whole thing is a farce!!

If they want to go to court, fine, they are in the wrong!

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