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RICHARDS v. COMBINED INS. CO. OF AMERICA

No. 94-1038.

55 F.3d 247 (1995)

Barry RICHARDS, Karen Richards, Roland Pepin, et al., Plaintiffs-Appellants, v. COMBINED INSURANCE COMPANY OF AMERICA and Credit Life Insurance Company of Ohio, Defendants-Appellees.

United States Court of Appeals, Seventh Circuit.

Decided May 11, 1995.

Attorney(s) appearing for the Case

Kristi L. Browne, Lawrence Walner, Julie Murphy Jaeger, Walner & Associates, Daniel A. Edelman (argued), Cathleen M. Combs, J. Eric Vander Arend, Michelle A. Weinberg, Edelman & Combs, Chicago, IL, Edward K. O'Brien, Needham, MA, for plaintiffs-appellants.

Kirk D. Messmer (argued), Kenneth T. Lopatka, Matkov, Salzman, Madoff & Gunn, Chicago, IL, for defendants-appellees.

Before ESCHBACH, RIPPLE and ROVNER, Circuit Judges.

RIPPLE, Circuit Judge.

Barry and Karen Richards and other plaintiffs (collectively "plaintiffs") brought this action against defendant Credit Life Insurance Company of Ohio ("Credit Life") and its parent corporation, Combined Insurance Company of America ("Combined"). They alleged that the defendants had a practice of keeping unearned insurance premiums that should have been refunded after the plaintiffs had made early loan payoffs or otherwise had terminated their...

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