What is the official website of the payment service?
The official website for Black Horse payment services in the UK is https://www.blackhorse.co.uk
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Where can I find the customer support contacts?
Customer support contacts can be found on the Black Horse website under the "Contact Us" or "Help and Support" sections.
What is the hotline phone number?
The main customer service phone number is 0344 824 8888. For international callers, +44 1268 653744 is available.
Is there a toll-free support number?
There is no specific toll-free number; calls to 0344 824 8888 cost no more than a UK national rate call, which is usually included in inclusive call packages.
What is the email address for technical support?
There is no publicly specified email for technical support; customers are encouraged to use the contact forms or phone support.
Are there separate emails for different types of inquiries?
Detailed specialized emails for different inquiries are not publicly listed; support is primarily via phone and web contact forms.
Where can I find the online chat support?
There is no explicit mention of online chat support on official Black Horse UK customer service pages.
Does the chat support work 24/7?
Not applicable as no official online chat support is found.
Is there support through messengers (Telegram, WhatsApp)?
No indication of support through Telegram or WhatsApp is publicly available.
What are the support working hours?
Customer service is available Monday to Sunday, 8am to 8pm, with closure on bank holidays.
Does support work on weekends and holidays?
Support operates on weekends 8am to 8pm but is closed on bank holidays.
Are there regional offices for in-person visits?
There is no widely advertised provision for public in-person visits; customer service is mostly remote.
Where are the physical offices located?
The registered office is at 25 Gresham Street, London, EC2V 7HN; another address is Tredegar Park, Pencarn Way, Newport, NP10 8SB.
Can I schedule a personal meeting?
Personal meeting scheduling is not standard; customer interactions are conducted mainly by phone or online.
Are there representatives in different countries?
Black Horse operates mainly within the UK; no public info on representatives abroad.
In which languages is support available?
English is the primary support language; interpreter services can be arranged on request for other languages.
How quickly does support respond to requests?
Response times vary; phone support is immediate during office hours, while email responses generally take a few business days.
Is there a priority system for VIP clients?
There is no public information about a VIP priority support system.
Can I request a callback?
Callback availability is not explicitly mentioned as a standard service.
When was the payment service founded?
Black Horse Limited was formed in July 2001, with historical roots traced back to 1922.
Who is the founder and owner of the service?
Black Horse is a wholly owned subsidiary of Lloyds Banking Group; specific founder info is not detailed.
In which country is the company registered?
The company is registered in the United Kingdom.
What is the development history of the payment service?
Evolved from motor finance origins in 1922, formally established as Black Horse Limited in 2001 under Lloyds Banking Group.
Have there been major updates or rebranding?
The company has kept the Black Horse brand since 2001 with no major rebranding noted.
Who sits on the company's board of directors?
Board of directors information is not publicly listed; generally overseen by Lloyds Banking Group’s governance.
Are there investors or partners in the service?
Owned by Lloyds Banking Group, major investor and partner.
Does the company participate in stock trading?
Black Horse itself is not publicly traded; Lloyds Banking Group is publicly listed.
What is the company's market capitalization?
No direct market cap for Black Horse; Lloyds Banking Group’s market cap can be referenced separately.
Are there subsidiary companies or branches?
No specific subsidiaries; Black Horse functions as a division within Lloyds Banking Group.
What licenses does the payment service have?
Black Horse (via MBNA Limited) is authorized and regulated by the UK Financial Conduct Authority (FCA).
In which jurisdictions does the service operate officially?
Official operations are focused on the United Kingdom.
Are there licenses for cryptocurrency operations?
No public information on cryptocurrency operational licenses.
Does the service comply with AML/KYC requirements?
The service complies with AML/KYC regulations as required by FCA and UK law.
Are there security certificates (PCI DSS, etc.)?
The service uses industry-standard security measures such as 3D Secure for card payments; specific PCI DSS certification details are not publicly disclosed.
Has the service undergone security audits?
Security audits are standard in FCA-regulated entities; no public detailed audit reports.
Is there insurance for client funds?
Specific insurance on client funds is not detailed publicly, but FCA regulations require appropriate consumer protections.
Which international standards does it comply with?
Complies with UK financial service standards and FCA regulations.
Have there been any regulatory fines or violations?
No publicly disclosed major fines or violations.
Where can I find real reviews about the service?
Reviews are available on Trustpilot and other customer feedback sites.
What are the main user complaints?
Common complaints are poor customer service, unresponsive support, payment handling issues, and refund delays.
What do users most often praise the service for?
Users praise straightforward online payment processes and having flexible motor finance options.
Are there issues with fund withdrawals?
Not applicable, as Black Horse primarily provides finance payment services rather than acting as a payment gateway.
Is the interface convenient according to users?
Mixed feedback; some find the online account manageable, others report issues with login and account access.
Are clients satisfied with transaction speed?
Payment transaction speeds are generally acceptable; online payments may take up to two working days to reflect.
Do users recommend this service?
Many users do not recommend due to customer service issues and payment problems.
How do experts assess the service's reliability?
Experts view Black Horse as a reputable motor finance provider with solid FCA regulation but note customer service needs improvement.
Are there industry awards and recognitions?
No publicly listed industry awards.
Does the service participate in payment system rankings?
No specific payment system rankings participation noted.
Are there recommendations from financial regulators?
Standard FCA regulatory compliance is maintained with consumer protection focus.
What reputation does the service have among partners?
Black Horse is respected as a leading motor finance provider within dealer networks.
How do they evaluate solution innovation?
Recognized for providing flexible motor finance solutions through traditional and digital platforms.
Are there quality service certificates?
No public mention of specific quality certificates beyond regulatory compliance.
Does the company participate in industry conferences?
Not publicly detailed.
How does the service position itself in the market?
Positioned as a leading UK motor finance provider supporting dealerships with hire purchase and leasing products.
Which fiat currencies does the service support?
British Pound Sterling (GBP) only.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not supported.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrencies or tokens.
Can currencies be converted within the service?
Currency conversion is not applicable.
What exchange rates are used for conversion?
Not applicable.
How often are exchange rates updated?
Not applicable.
Are there currency restrictions in different countries?
N/A as service operates only in GBP within the UK.
What types of transfers does the service support?
The service supports payments towards finance agreements via debit cards and direct debits.
Can transfers be made between service users?
Peer-to-peer transfers are not supported.
Are transfers to bank cards supported?
Payments are accepted via debit cards only, not credit cards.
Can money be transferred to bank accounts?
Direct transfer to bank accounts by users is not a service offered.
Is bill payment available?
Bill payment relates to motor finance repayments only.
Are recurring payments supported?
Yes, recurring Direct Debit payments are supported for monthly finance payments.
Can automatic transfers be set up?
Yes, Direct Debit arrangements automate payments.
Is payment scheduling available?
Partial payment and overpayment options are available online.
Can payment links be created?
No public info on payment links.
What are the minimum transaction amounts in the service?
Not publicly specified; typically minimum monthly payment amount applies.
What are the maximum amounts that can be transferred?
Not publicly detailed; governed by individual finance agreement terms.
Are there daily limits on operations?
No public information on daily limits.
What monthly and annual limits are in effect?
Limits based on credit agreements with Black Horse.
Can limits be increased? How?
Limit increases are handled via re-negotiation of finance terms with Black Horse.
Do limits differ for verified users?
Verification is tied to customer identity and creditworthiness rather than limits.
Are there restrictions for new accounts?
New agreements are subject to credit checks and approval.
Do special limits apply in different countries?
Service operates only in the UK.
Can operations be temporarily blocked?
Payments can be blocked if card details are declined or multiple failed attempts occur.
Are there limits on the number of daily operations?
Not publicly specified.
What are the minimum amounts for account funding?
Related to minimum monthly finance payments.
What methods of funding are supported?
Debit card payments and Direct Debit.
Are there fees for funding?
No additional charges for card or direct debit payments.
What are the minimum funding amounts?
Corresponds to monthly payment amount.
How quickly are funds credited when funding?
Up to two working days for online account to show payment.
How can money be withdrawn from the system?
Not applicable; Black Horse finances payments rather than holding account balances.
Are there fees for fund withdrawal?
Not applicable.
How long does withdrawal take?
Not applicable.
What withdrawal limits are set?
Not applicable.
How quickly are funds credited when funding with a card?
Payment confirmation is immediate, but account update may take two working days.
How long does a bank transfer take?
Bank transfers are not a standard method for payments to Black Horse.
How quickly do cryptocurrency transfers arrive?
Not supported.
Are transfers between users instant?
Not available.
Are there delays when funding on weekends?
Payments made on weekends may be processed on the next working day.
Do holidays affect funding speed?
Bank holidays delay payment processing.
Can crediting be accelerated for a fee?
No express payment acceleration service noted.
What determines the speed of funding processing?
Banking systems, payment method, and verification checks impact processing speed.
Are there notifications about funding status?
Confirmation emails and optional text messages notify payment success.
What to do if funding takes too long?
Contact customer support for assistance if payment does not appear in two working days.
How quickly are withdrawal requests processed?
Not applicable.
How long does card withdrawal take?
Not applicable.
How quickly do bank transfers arrive?
Not applicable.
Are cryptocurrency withdrawals instant?
Not supported.
Are there withdrawal delays on weekends?
Not applicable.
Do holidays affect withdrawal speed?
Not applicable.
Can withdrawal be accelerated for an additional fee?
Not applicable.
What determines withdrawal processing time?
Not applicable.
Are there notifications about withdrawal status?
Not applicable.
Can a withdrawal request be canceled?
Not applicable.
How to register with the payment service?
Customers create an online account at https://customerportal.blackhorse.co.uk using email, date of birth, postcode, and agreement number.
What data is needed to create an account?
Date of birth, postcode, email address, phone number linked to agreement, and agreement number.
Can registration be done without email?
Email address is required for account creation.
Is phone confirmation required during registration?
Yes, a one-time passcode is sent to the user's registered phone number.
Are there age restrictions for registration?
Must meet legal age requirements, typically 18+ in the UK.
Can a corporate account be created?
Black Horse mainly serves personal motor finance; corporate accounts for fleets may be available but not widely publicized.
Is it required to provide real data?
Yes, real personal information and verification documents are required for compliance.
Are there country restrictions for registration?
Only UK residents who have an agreement with Black Horse can register.
How long does account activation take?
Activation is immediate upon account creation and verification.
What verification levels exist?
Customers must verify identity linked to finance agreement; enhanced verification may be required for certain actions.
What documents are required for basic verification?
Identification documents such as passport or UK driving license.
Are documents needed for full verification?
Additional proof of address may be required for full verification.
Are digital copies of documents accepted?
Digital document uploads are accepted.
How long does the verification procedure take?
Verification can take from a few hours to several days depending on document review.
Can the service be used without verification?
Services are limited without full verification due to regulatory compliance.
What restrictions apply to unverified users?
Limited access to account features and payment options.
Is address confirmation required?
Yes, address verification is part of the identity check process.
Is a selfie with documents required?
Not standard but may be requested for enhanced identity verification.
How often do documents need to be updated?
Usually upon renewal or if documents expire; periodic review may occur.
What encryption technologies does the service use?
Uses SSL/TLS encryption for data transmissions and secure online payment protocols.
Is two-factor authentication supported?
No explicit public confirmation of 2FA being supported.
Are there SMS confirmations for operations?
Yes, customers can opt for SMS payment confirmations.
Is biometric authentication supported?
No public indication of biometric auth.
Is blockchain technology used?
Not publicly utilized.
Is there a multi-level security system?
Standard multi-layer security with encryption, password protection, and banking security protocols.
How is user personal data protected?
Data is protected according to GDPR and UK data privacy laws with secure storage and limited access.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Industry best practices for DDoS protection are assumed but not publicly detailed.
Are regular security audits conducted?
Regular security audits are conducted under FCA compliance requirements.
What anti-phishing protection measures are provided?
Email and website security protocols plus user education on phishing risks.
Is there a suspicious activity detection system?
Yes, fraud monitoring and suspicious activity detection systems are implemented.
How does the service combat money laundering?
AML procedures include KYC, transaction monitoring, and reporting suspicious activity as per FCA rules.
Is there blocking of suspicious accounts?
Yes, accounts can be blocked or suspended if suspicious activity is detected.
What to do when fraud is detected?
Contact customer support immediately and follow fraud resolution procedures.
How to report suspicious activity?
Report to customer service via phone or online contact form.
Is there compensation for damage from fraudsters?
Customer protections under FCA regulations apply; compensation depends on case circumstances.
What user rights exist for disputed transactions?
Users can dispute transactions within regulated timeframes and through formal complaint processes.
How to dispute account blocking?
Contact customer service and escalate complaints if necessary through financial ombudsman.
Is there insurance against cyber attacks?
Not publicly stated, but FCA-regulated firms typically carry cyber insurance.
What fees does the service charge for transfers?
There are generally no fees for making payments on finance agreements by debit card or Direct Debit.
Are there fees for account funding?
No fees charged for funding payments.
Are fees charged for fund withdrawal?
Not applicable.
Are there fees for currency conversion?
Not applicable.
Are there fees for account inactivity?
No inactivity fees disclosed.
Are there account maintenance fees?
No maintenance fees disclosed.
Are fees charged for operation cancellation?
Not publicly stated.
Are there fees for expedited operations?
No express fees publicly disclosed.
Are there hidden fees?
Fee structure is transparent under FCA rules; no known hidden fees.
How are fees calculated for large amounts?
Fees are generally not applied on payments irrespective of amount within agreement terms.
Are there different tariff plans in the service?
No separate tariff plans; payments correspond to finance agreement terms.
What advantages does VIP status provide?
No publicly disclosed VIP programs.
How to get preferential conditions?
Preferential conditions would be negotiated within finance agreement terms.
Are there free operations per month?
N/A as it relates to finance agreement payments.
Are there discounts for active users?
No discounts reported.
Are there corporate tariffs?
Business finance solutions exist but are separate.
Can individual conditions be obtained?
Conditions depend on credit assessment and agreement negotiations.
Do promotional codes work for fee reduction?
No public info on promo codes for fee reduction.
Are there cashback programs?
None announced.
Are there discounts for transaction volumes?
No volume discount programs.
Is there an official mobile application?
Black Horse does not currently offer a dedicated official mobile app.
On which platforms is the application available?
No dedicated mobile app available.
What functions are available in the mobile application?
Not applicable.
Are there push notifications about operations?
Notifications are via email and optional SMS.
Is dark theme supported?
Not applicable.
Is the web interface of the service convenient?
Mixed user feedback; functional but with reported accessibility issues.
Is responsive design supported?
The website supports responsive design for mobile access.
In which languages is the interface available?
English only.
Is there a night mode for the website?
No night mode reported.
Are hotkeys supported?
No info on hotkeys.
Can data be exported?
Users can view and download payment history; detailed exports unclear.
Is there an API for developers?
No public developer API.
Is integration with other services supported?
Integration with dealership finance systems exists but no open API.
How often is the web interface updated?
Updates occur periodically; no fixed schedule publicly stated.
Are there credit products?
The main offering is motor finance credit products.
Is there acquiring for business?
Black Horse finances motor trade not acquiring merchant payments.
Is there a loyalty program in the service?
No loyalty program disclosed.
Are there referral programs?
No public referral programs.
What privileges do VIP clients have?
No VIP privileges reported.
Are there seasonal promotions and offers?
No seasonal promotions advertised.
Can premium status be obtained?
No premium status offered.
Are there partner discounts?
No partner discounts publicly advertised.
Are there corporate loyalty programs?
Not publicly known.
Does the service allow operations with online casinos?
Not applicable.
Are there restrictions on gambling transactions?
Not applicable.
Can accounts be blocked for casino play?
Not applicable.
How does the service view gambling?
Not publicly disclosed.
Is a "cooling-off period" supported?
Standard consumer credit rights apply.
Can help be obtained for gambling addiction?
Not applicable.
Which online casinos accept this payment method?
Not applicable.