Court of Appeals for the Seventh Circuit April 23, 1998, 97-2775 (Todd A. Richardson, Individually and on Behalf of a Class of Borrowers Similarly Situated v. National City Bank of Evansville)

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 ear, 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.