# PCP Claims Against Black Horse, Santander & MotoNovo: A Lender-by-Lender Guide

If your PCP was financed by **Black Horse, Santander, MotoNovo, Volkswagen Finance, Lexus Finance, Ford Finance, BMW Finance, or any other lender**, you can potentially claim for DCA mis-selling. However, each lender has responded differently to the FCA's enforcement action, and some are more cooperative than others.

## Black Horse (Part of Lloyds Group)

**Claim Status: Affected (Confirmed)**

Black Horse financed millions of PCP deals and is **definitely affected by DCA mis-selling**.

**How to Claim**:

Contact:
```
Black Horse Limited
Complaints Department
2 Coldharbour Lane
London SE5 9NY
```
Or email: complaints@blackhorse.co.uk

**Include**: "In accordance with the FCA's investigation into discretionary commission arrangements, I am claiming compensation for mis-sold PCP finance."

**Timeline**: Black Horse typically responds within 8 weeks. If they accept liability, payment follows within 2-4 weeks.

**Typical compensation**: £400-1,200 depending on finance amount and term

**Success rate**: High. If you have documentation, Black Horse usually pays.

## Santander Consumer Finance

**Claim Status: Affected (Confirmed)**

Santander is one of the largest auto finance providers and was **heavily implicated in the FCA's DCA investigation**.

**Contact**:
```
Santander Consumer Finance
Complaints Department
25 Judd Street
London WC1H 4TT
```

**Timeline**: 8 weeks for initial response, then 2-4 weeks for payment

**Typical compensation**: £350-1,500 depending on the size of the finance and length of term

**Tip**: Santander has multiple divisions; ensure you're contacting Santander Consumer Finance, not other divisions.

## MotoNovo Finance

**Claim Status: Affected (Confirmed)**

MotoNovo has established a dedicated process for DCA claims and tends to be more cooperative.

**Contact**:
```
MotoNovo Finance
Complaints Department
Cobalt 60, Silver Fox Way
Coventry CV4 9GD
```
Phone: 0345 009 1900

**Timeline**: Often 4-8 weeks for resolution, faster than some lenders

**Typical compensation**: £300-1,100

**Success rate**: High. MotoNovo is relatively straightforward if you have documentation.

**Tip**: Use their online complaints portal—it's efficient and faster than postal mail.

## Volkswagen Finance

**Claim Status: Affected (Confirmed)**

Volkswagen Finance finances VW, Audi, and Skoda vehicles and is confirmed affected.

**Contact**:
```
Volkswagen Finance
Complaints Department
Yeomans Drive, Blakelands
Milton Keynes MK14 5AN
```

**Timeline**: 8-12 weeks for initial response; some cases extend to Ombudsman (6-12 months)

**Success rate**: Moderate. Volkswagen Finance has contested some claims; however, the Ombudsman typically rules in customers' favour.

**Typical compensation**: £400-1,300

**Note**: Higher percentage of VW Finance cases go to the Ombudsman (30-40%). For VW Finance claims, using a service like **[MotorRedress](https://motorredress.co.uk)** is particularly helpful.

## Claims Process by Lender Difficulty Level

### Tier 1: Easiest (Usually Cooperative)

| Lender | Timeline | Success |
|--------|----------|---------|
| MotoNovo | 4-8 weeks | 85%+ |
| Black Horse | 6-10 weeks | 80%+ |
| Ford Finance | 6-10 weeks | 75%+ |

### Tier 2: Moderate

| Lender | Timeline | Success |
|--------|----------|---------|
| Santander | 8-12 weeks | 70-75% |
| BMW Finance | 8-12 weeks | 75%+ |

### Tier 3: Harder (More Contested)

| Lender | Timeline | Success |
|--------|----------|---------|
| Volkswagen Finance | 10-16 weeks | 65-70% |
| Smaller lenders | 12+ weeks | Variable |

## Multi-Lender Customers

If you've financed multiple cars with different lenders:

**You can claim against each separately.** Each agreement is assessed independently. You can have:
- A claim with Black Horse for a 2019 car
- A claim with Santander for a 2021 car
- A claim with Volkswagen for a 2020 car

All running simultaneously if needed.

## What If Your Lender Has Changed Names?

Example: You financed with "FirstCar Finance" which was later acquired by Santander. Track down the current entity—acquiring companies typically assume obligations and inherit the customer contract.

---

**Summary**: All major lenders (Black Horse, Santander, MotoNovo, Volkswagen) are affected and can be claimed against. MotoNovo and Black Horse tend to be faster; Volkswagen Finance may require Ombudsman escalation. Using a professional claims service helps navigate lender-specific processes.