Claim Strength
73%
Above average for PCP
Est. Compensation
£5,800
Range: £3.2k – £8.4k
DSAR Status
Received
183 pages · 6 docs
Days Active
12
Filed 14 May 2026
Case Timeline
Breaches Identified
HIGH
Undisclosed commission arrangement
CONC 4.5.3 · 94% confidence
HIGH
Discretionary commission model applied
FCA CP19/28 · 88% confidence
HIGH
Commission conflict not disclosed
COBS 2.3.1 · 91% confidence
MED
Inadequate affordability assessment
CONC 5.2.1 · 78% confidence
Compensation Range Analysis
Low Estimate
£3,200
Base case — 2 breaches upheld by FOS
Mid Estimate (Likely)
£5,800
3 breaches upheld + statutory interest
High Estimate
£8,400
All 4 upheld + 8% simple interest
Lender Response Deadline — UK GDPR Article 15 · 30-Day Legal Window
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DSAR submitted to Black Horse Finance
Response received (183 pages)
6 documents extracted and categorised
AI breach analysis in progress
Black Horse Finance · DSAR submitted 15 May 2026 · Legal deadline: 14 June 2026
DSAR Details
Documents Received
PCP Agreement 2019.pdf
Commission Disclosure.pdf
Affordability Check.pdf
Credit Report 2019.pdf
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Evidence Files
AI Claims Analyst
Powered by CareQuest Intelligence · Case CQM-2024-1089
ACTIVE
73
/100
Claim Strength Score
Above average for PCP claims
Score Breakdown
Strengthening Your Claim
Commission arrangement confirmed in documents
Discretionary pricing model evidenced
No conflict of interest disclosure found
Post-2014 agreement — FCA rules fully apply
Recommended Actions
Upload original finance application form
Obtain evidence of rate vs. standard rate
Confirm whether verbal explanation was given