Money worries?

We’re here to help you manage your agreement with us. 
Talk to us about help with managing your account.


​Many people experience money problems at some stage of their lives. 

If you find yourselves in the following circumstances:

- You are behind with payments or worrying about paying your bills.
- You are using an unplanned overdraft limit with your bank, or relying on credit to make payments.
- You have experienced a change in your employment circumstances that has affected your financial situation.
- You have been diagnosed with an illness that may have an effect on your ability to make your payments.
- You have recently experienced a bereavement which has left you concerned about your finances. 

We've outlined what you can do next to help you make the right decisions to get back on track, which will give you:

- Peace of mind
- Financial stability
- Control over your finances

What to do next
Just follow the 3 simple steps we've put in place to help get you back on track:



​Need to talk to us?
Help from Black Horse is a call away.


Call us now >

Available:
Monday to Friday: 8:30am to 7:00pm
Saturday: 9:00 am to 1:00pm


Step 1: Stay on top of your finances
Here’s what we can do together to help you manage your finances.

Use our Budgeting Tool
We know it can be hard keeping track of your income and spending – so we’ve designed a handy Budgeting Tool to help you along the way. Using the tool will help you understand your financial situation, where you can make savings and what your disposable income is.

We’ll usually ask you for this information when you get in touch, so using the Budgeting Tool will help you get ahead of the game and save time in future. It’s quick and easy and usually only takes 10 minutes to complete. We’ll also give you some useful contacts at the end of the Budgeting Tool if you need them.

When you’re finished, print a copy to keep for easy reference in the future.

Launch the Budgeting Tool >

Internet and Mobile Banking
Internet and Mobile Banking can be handy for keeping track of your finances. You can view your account balances, make payments, transfer funds between accounts and more, giving you the freedom to manage your money while you’re on the go. If you do not currently use internet or mobile banking, why not contact your bank to see if they offer this facility?


Step 2: Get in touch with us
Missed a payment on your Black Horse agreement, or are you worried about a future payment?

Call Us

Go to the ‘call us now’ link at the top of this page. We’ll give you a number to call and let you know what information you’ll need to get ready before you call.

You can also write to our Collections Department at:

Collections Department
Black Horse Finance
Ettrick House
37 South Gyle Crescent
Edinburgh
EH12 9DS


Step 3: Get independent help and advice
You can also get free independent help and advice. Here are some of ways you can get this.

The Money Advice Service (MAS)
Set up by the UK government, the MAS offers free and impartial money advice. They can provide you with information and guidance to help you decide the best way to take things forward and keep your payments on track.

They can also suggest providers which you can use to receive debt management services from, or give you information about other ways you can keep on top of your payments.

​Contact The Money Advice Service by:
- Calling 0300 330 2222  (available Mon-Fri 8am-8pm and Sat 9am-1pm)
- Visiting The Money Advice Service website.



StepChange Debt Charity
StepChange Debt Charity is a registered charity offering free, confidential advice and support to anyone who is worried about debt.

Their free counselling and debt advice can help you get back in control of your money and move forward with your life.

Contact StepChange Debt Charity by:
- Calling 0800 138 1111 (available Mon-Fri 8am-8pm and Sat 8am-4pm)
-  Visiting the StepChange Debt Charity website.




Citizens Advice
Citizens Advice provides free, confidential, impartial information and advice on a wide range of debt and benefits issues face to face.

Check your local phone book or Yellow Pages for your nearest Citizens Advice, or visit the Citizens Advice website.


National Debtline
National Debtline are an independent charity, dedicated to providing free debt advice by phone and online to people across the UK.

Contact National Debtline by:
- Calling 0808 808 4000 (Mon-Fri 9am-9pm and 9:30am-1pm Sat)
- Visiting the National Debtline website.

Important legal information
Black Horse Limited is authorised and regulated by the Financial Conduct Authority under registration number 313409. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.  We are covered by the Financial Ombudsman Service (FOS).

Finance is subject to status and is only available to UK residents aged 18 and over. Finance provided by Black Horse Limited, St William House, Tresillian Terrace, Cardiff CF10 5BH.

​Black Horse Limited Registered in England and Wales with registered number 661204.

Registered Office: 25 Gresham Street, London EC2V 7HN

Balance, Statement or Settlement Figure

Find out how much you have left to pay on your vehicle. 

Money Worries

If you are experiencing payment difficulties, our dedicated team is here to help. 

Make A Payment

Make a payment or change your payment date using our simple and secure systems. 

Talk About Your Account

If you have a question about your account, find out how to get the information you need.

Update Personal Details

Find out how to update your address, contact details or bank details. 

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