Black Horse, the lending arm of Lloyds
Banking Group, has won yet another court case
over the mis-selling of payment protection insurance

The unspecified borrower’s allegations of PPI
mis-selling and breaches of the Insurance Conduct of Business rules
were rejected at Liverpool County Court, as were allegations that
the lender failed to communicate with him in a way which was
“clear, fair and not misleading,”.

The judge found the lender’s procedures to be
highly “pertinent” and had no “hesitation in finding that the
[Black Horse] script is clear in so far as it outlines the
voluntary nature of any insurance.”

The case follows Black Horse’s
earlier victory in May where allegations from McCrossan & Gould
were rejected

Commenting on the case,
Greg Standing, of legal practice Wragge & Co
said “Not only
did the borrower fail in relation to all of his claims, but he was
also ordered to pay all of the lender’s legal costs on an indemnity
(enhanced) basis.

“This case serves as yet another warning
against bringing weak claims of this nature.”

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Greg Standing comments on the legal benefits of
good procedure in
the August issue of

Motor Finance