Black Horse Limited

Reference number: 313409

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When blackhorse.co.uk first appeared online, and whether it can receive email
  • What kind of line 0344 824 8888 is, and the other firm that gives it
  • Who else gives the postcode CF10 5PE
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Other names (75)

If you were contacted under any of these names, it is this firm.

  • Aston Martin Financial Services Trading name
  • bimota finance Trading name
  • Black Horse Caravan and Motorhome Finance Trading name
  • Black Horse Finance Trading name
  • Black Horse Fleet Finance Trading name
  • Black Horse Motorcycle Finance Trading name
  • Black Horse Motor Finance Trading name
  • Black Horse Motorhome Finance Trading name
  • Black Horse Taxi Finance Trading name
  • Ducati Finance Trading name
  • Ducati Financial Services Trading name
  • Harley-Davidson Finance Trading name
  • Indian Motorcycle Finance Trading name
  • Jaguar Financial Services Trading name
  • Kawasaki Finance Trading name
  • K-care Finance Trading name
  • Land Rover Financial Services Trading name
  • Lloyds Trading name
  • Lloyds Auto Trading name
  • Aprilia Finance Former trading name
  • Aprilia Freedom Plan Former trading name
  • autoloan Former trading name
  • Autoloan for Leisure Former trading name
  • AutoRate Former trading name
  • Autorate from Black Horse Former trading name
  • Bikerloan Former trading name
  • Black Horse Autorate Former trading name
  • Black Horse Caravan Finance Former trading name
  • Black Horse Finance Direct Former trading name
  • Black Horse Home Improvement Former trading name
  • Black Horse Motor And Leisure Former trading name
  • Black Horse Personal Finance Former trading name
  • Black Horse Retail Finance Former trading name
  • Buell Finance Former trading name
  • CarSelect Former trading name
  • Derbi Easy Financial Services Former trading name
  • Dunn & Co Former trading name
  • Eloan Former trading name
  • Finance Direct Former trading name
  • Fowlers Finance Former trading name
  • Gilera Freedom Plan Former trading name
  • Great Wall Finance Former trading name
  • Halifax Former trading name
  • Isuzu Finance Former trading name
  • KTM Financial Service Former trading name
  • Kymco Finance Former trading name
  • Leisureloan Former trading name
  • Letsuconnect Former trading name
  • Lloyds TSB CarSelect Former trading name
  • Loanmaster Former trading name
  • Lotus Finance Former trading name
  • Moneymaster Former trading name
  • Moto Guzzi Freedom Plan Former trading name
  • Peugeot Motorcycle Finance Former trading name
  • Peugeot Scooter Finance Former trading name
  • Piaggio Easy Financial Services Former trading name
  • Piaggio Freedom Former trading name
  • Piaggio Freedom Plan Former trading name
  • Ride On Finance Former trading name
  • Rider Advantage Former trading name
  • Rider Loan Former trading name
  • Rider Preference Former trading name
  • Rider Purchase Former trading name
  • Scm Former trading name
  • Streetbike Finance Former trading name
  • Subaru Finance Former trading name
  • Suzuki Care Former trading name
  • Suzuki Finance Former trading name
  • Swift Advance Former trading name
  • Triumph Motorcycle Finance Former trading name
  • Triumph TriStar Former trading name
  • Vespa Freedom Plan Former trading name
  • Warranty Holdings Finance Former trading name
  • Yamaha Finance Former trading name
  • YOU Yamaha Motor Finance Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (5 permissions)
  • Credit Broking
  • Debt Administration
  • Debt-collecting
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

FCA disciplinary action and Ombudsman complaints

FCA action

fine
1
in fines
£117.4m
most recent
June 2015
  • Fined £117.43m on 5 June 2015
    On 4 June 2015, the Authority imposed a financial penalty of £117,430,600 on Lloyds Bank plc, Bank of Scotland plc and Black Horse Limited (LBG) for breaches of Principle 6 (Customers' interests) of the Authority's Principles for Businesses (the Principles). LBG agreed to settle at an early stage of the Authority's investigation. LBG therefore qualified for a 30% (Stage 1) discount under the Authority's executive settlement procedures. Were it not for this discount, the Authority would have imposed a financial penalty of £167,758,035 on LBG. Between 5 March 2012 and 28 May 2013 (the Relevant Period) LBG breached Principle 6 by failing to pay due regard to the interests of its customers, and by failing to treat them fairly when handling complaints from customers who had purchased Payment Protection Insurance ('PPI'). During the Relevant Period LBG assessed customer complaints relating to in excess of 2.3 million PPI policies and rejected 37% of those complaints. In particular: (a) LBG's complaint assessment process included guidance to complaint handlers which directed them to assume that LBG's PPI sales processes were 'compliant and robust', unless notified to the contrary.  This was described to complaint handlers as the 'Overriding Principle'.  The Overriding Principle was unfair to customers because: (i) there was a risk that it created a default assumption that LBG had not mis-sold the PPI policy that an individual customer was complaining about; (ii) customers may not have had the opportunity to provide evidence to enable the complaint handler to reach a fair outcome; and (iii) in some situations it affected the judgements made by complaint handlers who relied on it to rebut credible customer testimony and to not fully investigate customer complaints. (b) LBG failed to take into account information about Sales Process Failings identified from Root Cause Analysis when assessing complaints.  This was unfair to customers because it meant: (i) LBG failed to give balanced consideration to all available evidence; and (ii) the unfair effects of the Overriding Principle were compounded because this evidence was not available to complaint handlers to counter the assumption, created by the Overriding Principle, that LBG had not mis-sold the PPI policy that an individual customer was complaining about. (c) Where LBG complaint handlers relied on the Overriding Principle to reject customer complaints instead of investigating the actual circumstances of the complaint, there was a risk that the final decision letters did not accurately reflect the complaint handler's assessment of the complaint and reasons for the rejection.  This was unfair as it may have dissuaded some customers with valid complaints from providing further information to LBG to challenge the decision, or referring their complaint to the Financial Ombudsman Service. (d) The above failings resulted in a significant number of customer complaints being unfairly rejected. A copy of the Final Notice is displayed on the Authority's web site and can be accessed.

Ombudsman complaints

new complaints, January–June 2025
8,102
upheld, against a 31% median
27%
about banking and credit
8,093

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
00661204
Company status
Active
Company type
Private limited company
Incorporated
1 June 1960 (66 years old)
Registered office
25 Gresham Street, London, EC2V 7HN
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
James Patrick Mccaffrey Director Jun 1970 9 Dec 2019 9 other companies
Gregory David Gould Director May 1969 10 Feb 2022 5 other companies
Nicholas Andrew Williams Director Jun 1974 29 Oct 2022 28 other companies
Anish Bipin Ambani Director Jan 1977 8 Mar 2023 10 other companies
Preston Mark Philip Rogers Director Oct 1979 15 Jan 2025 3 other companies
Donald Mackechnie Director Jan 1973 1 Apr 2025 12 other companies
David Dermot Hennessey Secretary Not published 9 Mar 2026 –

Other companies run by these 6 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
53
closed down
1
went insolvent
6

In the full report: all 53 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • The 6 that went into liquidation or administration
  • The 16 on the FCA register, including one no longer authorised
  • The 8 companies these 6 directors run together
  • All 45 people who have ever been directors, with their dates
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Key dates in its history

Black Horse’s history from the FCA register and Companies House, newest first.

Key events (6) All events (221)

2016

6 April 2016

  • Black Horse Group Limited took control (75–100% of shares)

Companies House

2015

5 June 2015

  • Fined £117.43m by the FCA

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1960

1 June 1960

  • Incorporated at Companies House

Companies House

In the full report: all 221 events

  • All 221 events in its history (6 shown here)
  • Every director appointment and resignation: 78
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Firms connected to Black Horse

Other FCA-listed firms that share a director, phone number or address with Black Horse. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
9
share a director
9
share its phone number
1

In the full report: all 9 connected firms, named

  • How each is linked: shared directors (9), the same phone number (1), the same postcode (4)
  • Who links each one: the named directors, with dates
  • 3 past links through former directors
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Firms like Black Horse

Other firms of the same type (lender), nearest first.

In Cardiff

EUI LimitedCardiffAuthorisedMotoNovo Finance LimitedCardiffAuthorisedTandem Motor Finance LimitedCardiffAuthorisedAble Insurance Services LimitedCardiffAuthorisedAMG Wealth Solutions LLPCardiffAuthorisedAmie WortonCardiffAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Black Horse

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 53 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 221 events in its history
  • 9 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Black Horse Limited FCA authorised?
Yes, Black Horse Limited (FRN 313409) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a lender. The FCA has placed no limits on its permissions.
What is Black Horse’s phone number and website?
The FCA register lists the phone number 0344 824 8888 and the website blackhorse.co.uk for Black Horse. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Black Horse a scam or clone?
Black Horse is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Black Horse?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Black Horse handles your money, so check the specific product before you commit. You can also refer complaints about Black Horse to the Financial Ombudsman Service, free of charge.
Who owns Black Horse?
Black Horse is owned by Black Horse Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Black Horse?
Companies House lists 6 directors of Black Horse: James Patrick McCaffrey, Gregory David Gould, Nicholas Andrew Williams, Anish Bipin Ambani, Preston Mark Philip Rogers and Donald Mackechnie.
How long has Black Horse been in business?
The company was formed on 1 June 1960, and has held its current FCA authorisation since January 2005.
Has the FCA taken action against Black Horse?
Yes. The FCA register records 1 fine in 2015, £117.43m in total. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does Black Horse get?
In January–June 2025, the Financial Ombudsman Service received 8,102 new complaints about Black Horse, and upheld 27% of those it decided.
Does Black Horse use any other names?
It trades as Aston Martin Financial Services, bimota finance, Black Horse Caravan and Motorhome Finance, Black Horse Finance and Black Horse Fleet Finance, and 14 more names. It has previously used 56 other names, including Aprilia Finance, Aprilia Freedom Plan and autoloan.

Sources and links

The full report on Black Horse Limited

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