Black Horse Limited
Financial Ombudsman decision DRN-6292793 Upheld
Upheldoutcome, as published by the Ombudsman
£250redress stated in the decision
Mon Jul 20deadline 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
Irresponsible lending, Credit file reporting
In the Ombudsman’s words
Mrs H complains Black Horse Limited irresponsibly lent because it didn’t carry out reasonable and proportionate checks to ensure the lending was affordable for her.Irresponsible lending
She provided evidence that she was declined for credit in October 2025 and November 2025 whilst the default was incorrectly reporting.Credit file reporting
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6292793.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.