Car Finance Claim Victory: Sentinel Legal Secures Win Against Black Horse Limited

A Milestone Win for Justice in Motor Finance Mis-Selling

Sentinel Legal is pleased to announce a recent car finance claim court victory that reinforces our commitment to securing justice for consumers affected by motor finance mis-selling. This case is a testament to the hard work of our legal team and proves once again that fairness and transparency must prevail in the car finance sector.

The Case Details

• **Claimant:** Represented by Sentinel Legal
• **Defendant:** Black Horse Limited
• **Case Type:** PCP (Personal Contract Purchase)
• **Court:** Stoke-on-Trent County Court
• **Outcome:** Claim settled in favour of the client during trial proceedings

This case centred around the defendant's failure to disclose significant commissions paid to the broker involved in arranging the finance agreement. This non-disclosure resulted in an unfair financial relationship, as confirmed by the Court of Appeal's landmark ruling in Johnson v FirstRand Bank.

Why This Win Matters

Black Horse Limited's practices in this case highlighted several industry-wide issues:

• **Undisclosed Commissions** — a staggering 70% of the credit cost went towards hidden broker commissions, leaving our client unaware of the true terms of their agreement.
• **Conflict of Interest** — the lack of impartiality in the broker-client relationship violated FCA guidelines and undermined consumer trust.
• **Precedent-Setting Impact** — cases like these build on the momentum of Johnson v FirstRand, ensuring fair treatment for future claimants.

This win is not just a victory for our client but for all consumers subjected to similar practices. It sends a clear message to lenders and brokers: transparency and fairness are not optional.

The Financial Impact

• **Total Claim Settlement:** £2,756
• **Legal Fees Recovered:** £455 (issue fee) + £346 (hearing fee)

For many claimants, this compensation is life-changing — helping them reclaim what was rightfully theirs.

The Car Finance Claims Process: What to Expect

1. Initial Assessment — our experts evaluate your case based on your finance agreement and transaction details. 2. Open Banking Review — using cutting-edge technology, we analyse your financial data to uncover hidden commissions. 3. Claim Submission — we file your claim with the relevant parties, backed by robust evidence. 4. Negotiation or Litigation — if necessary, we represent you in court. 5. Settlement and Redress — once settled, compensation is paid directly to you.