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RICHARDSON v. NATIONAL CITY BANK OF EVANSVILLE

No. 97-2775.

141 F.3d 1228 (1998)

Todd A. RICHARDSON, individually and on behalf of a class of borrowers similarly situated, Plaintiff-Appellant, v. NATIONAL CITY BANK OF EVANSVILLE, Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided April 23, 1998.

Attorney(s) appearing for the Case

Andrew Ward, Berger & Berger, Evansville, IN, Michael P. Malakoff (argued), Malakoff, Doyle & Finberg, Pittsburgh, PA, M. Scott Barrett, Plews, Shadley, Racher & Braun, Indianapolis, IN, for Plaintiff-Appellant.

David V. Miller (argued), Bowers, Harrison, Kent & Miller, Evansville, IN, for Defendant-Appellee.

Before CUMMINGS, COFFEY, and MANION, Circuit Judges.

MANION, Circuit Judge.

Todd Richardson financed the purchase of a car, and the National City Bank of Evansville (NCB) bought that debt. When Richardson financed the car, he promised to insure the vehicle, but he didn't. Accordingly, NCB bought insurance for the car and added the amount of the insurance premiums to the principal debt owed by Richardson. Richardson has sued, claiming that insurance premiums added to his debt constitute "interest" and the loan is therefore...

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