Black Horse Finance

These are the questions we’re asked most often about payments to Black Horse Ltd:

Q. How can I make a payment?
Q. Why have I been charged a fee on my account?
Q. Am I entitled to a payment holiday?
Q. Why have I received a letter after making a payment?
Q. I am unable to make a payment, what should I do?

Q. How can I make a payment?

A. There are six main payment methods available:

Paying by phone
You can make a payment by telephone, with Switch, Delta, VISA or Mastercard. Please call customer service on 0844 824 8888 or 0333 200 44 33 where you can select 'making a payment' from the automated introduction.

Paying online, by card
You can make your payment online by card at www.blackhorse.co.uk/makeapayment
You can pay with Switch, Delta, VISA or Mastercard.

 

Paying by direct debit
We can set up a direct debit for you. This is the quickest and easiest way to make regular payments. Please call us on 0844 824 8888 if you would like to set this up.

 

Paying by direct transfer
You can make a direct transfer payment from your online banking service or by contacting your bank. You will need these bank details to set up a BACS payment:

• Sort code  30-15-99
• Account number  00024553
• Agreement Number 111111111

Paying by standing order
You can set up a standing order mandate to make a regular payment. Please put “Black Horse Ltd” as the payee. These are the account details you will need to set up your standing order:

• Sort code   30-00-00
• Account number  00360023
• Agreement Number 111111111

Paying at your bank
You can pay over the counter at any bank, if you have a Black Horse paying in slip. Please remember to put “Black Horse Ltd” as the payee and quote your agreement number as a reference. 

 

Q. Why have I been charged a fee on my account?

A. Fees are applied in the event of a late or missed payment. These can vary from £25 to £30. If you make your payment pay by cheque and this is returned unpaid, a fee of £15 will be charged.

Q. Am I entitled to a payment holiday?

 

A. Payment holidays may be available.

When requesting a payment holiday, you have 2 options for your future payments, you can:

• Increase the repayment amount and keep the duration of your loan the same or,
• Increase the duration of your loan and keep the repayment the same.

You can request a payment holiday up to 3 months in advance, however please be aware that you may incur extra interest payments overall and may also be charged a fee.

 

Q. Why have I received a letter after making a payment?

 

A. When making a payment this needs to be received on your account by the agreed due date.  If we do not receive payment we will write to you to confirm. 

Should you make a payment late but are bringing your account up to date a letter may have been sent in the interim to prompt contact.  If you know you have made your payment you can ignore the letter.

Q. I am unable to make a payment, what should I do?

 

A. We understand that your circumstances can change. If you are unable to make a payment you can call us on 0844 824 8822 Monday to Friday 08.30 – 19.00 and Saturday 09.00 – 13.00.

Our team will discuss with you your current circumstances so we have a full understanding of your situation to offer the best solution, tailored to your individual needs.