Black Horse Limited
Financial Ombudsman decision DRN-6047135 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Sat May 17deadline to accept (not the decision date)
The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.
What this decision was about
Credit file reporting, Payment delayed or failed
In the Ombudsman’s words
Mr M complains that Black Horse Limited (“Black Horse”) incorrectly added late payment markers to his credit file.Credit file reporting
Unfortunately, those payments failed. But Mr M was then able to make a successful payment via his laptop. However, Black Horse didn’t receive payment until 3 June 2025Payment delayed or failed
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6047135.pdf on financial-ombudsman.org.uk.
The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.