Another court case dealing with the
mis-selling of payment protection insurance (PPI) has ended in
judgement favouring Black Horse, the lending arm of Lloyds Banking

Allegations of PPI mis-selling were rejected
in the case of McCrossan & Gould v Black Horse Ltd heard at
Liverpool County Court, as were allegations of an “unfair
relationship” and of breaches of the Insurance Conduct of Business
rules relating to PPI product suitability.

The court also found the selling of PPI to be
suitable, given the proper assessment made by Black Horse of the
borrower’s demands and needs for personal finance.

The case follows
that of Linda Loughlin v Black Horse earlier this month
, in
which judgement found claims of less than £5,000 should be kept on
the small claims track, as the finance provider had argued.

Commenting on the case, Greg Standing, of
legal practice Wragge & Co said Black Horse’s “standard
processes and procedures proved a key factor in persuading the
court there was no unfair relationship.

“It also played a pivotal role in ensuring the
lender defeated the entirety of the claims.”

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