OCC Omnibus Suite Builder

Legal Basis: Black Horse Ltd v Angel & Ors [2026] EWCA Civ 831

Court of Appeal, judgment 30 June 2026. Why this suite exists.

The Court of Appeal dismissed the appeal of eight motor finance lenders, keeping around 5,800 commission claims within eight omnibus claim forms grouped by defendant lender.

The claims allege unfair relationships under section 140A Consumer Credit Act 1974 arising from undisclosed discretionary commission arrangements between lenders and car dealers over a fourteen year period.

Coulson LJ held that the CPR 7.3 convenience test does not require every claim to be resolved by a single common determination. Convenience includes the court's case management powers: generic pleadings, coordinated disclosure and lead cases that drive settlement even where they do not bind every claimant.

The court stressed commercial reality and access to justice: individual claimants face an imbalance of financial power, and forcing separate claims lets defendants settle the strong cases and run the weaker ones into the ground.

The reasoning extends beyond motor finance. The same omnibus treatment is expected for other section 140A credit claims and for cohorts built on data incidents, greenwashing, outages and sales failures. Module 5 presets follow this map.

Omnibus Book Builder

Claimant records auto grouped by defendant lender into court style omnibus schedules. Incomplete records are flagged for cure before issue.

Claimants per form against cap

Lead Case Selector

Each cohort scored on commission value, documentation completeness, period coverage and issue commonality. Top scores proposed as lead cases for the managing judge.

Lead case scoring profile per cohort

Generic Pleading Pack

One generic particulars document per cohort with a per claimant schedule annex. Merge fields shown highlighted. Solicitor sign off required before any court use.

Funder Feed

Live book state for funder reporting: size, quality, lead case readiness and estimated aggregate value.

Book value by cohort and growth by agreement year

Book Quality Signal

Share of records that are issue ready per cohort.

Sector Expansion Config

Claim type presets switch the field set, scoring weights and pleading template across Modules 1 to 4.

Convenience Defensibility Score

CPR 7.3 homogeneity index per cohort: issue commonality, date spread, documentation and single defendant weighting. Predicts resilience to an Abbott style convenience challenge. OCC assessment tool, not legal advice.

Defensibility gauges

Court Fee Saver

Issue fee on each omnibus form (banded on aggregate value, capped at 10,000 pounds) versus banded fees on every claim issued individually. Fee bands simplified from the current civil proceedings fees order.

Fee comparison

FCA Redress Overlap Checker

Flags claimants whose DCA agreements predate the 28 January 2021 discretionary commission ban as likely in scope of the FCA motor finance redress scheme, versus claimants better placed in litigation. Prevents double recovery and wasted issue fees. Screening thresholds are configured to each client engagement.

Agreements by year, drag the gold line to test the scope cut

Tranche Manager

High Court case management model: tranches of up to 3 lead cases active per cohort, rising to 6 as settlements land. Remaining book stayed behind the tranches.

Limitation Clock

Simplified 6 year screen from agreement date. Section 140A time can run from the end of the credit relationship, so this flags earliest risk, not a legal limitation opinion.

Time remaining to the 6 year mark

Duplicate Claimant Detector

Same claimant name appearing on more than one form or cohort, the live cross book contamination problem in mass motor finance claims. The platform matches on name, date of birth and address; name matching shown on the illustrative cohort.

Settlement Pressure Simulator

The Coulson LJ dynamic: lead case results drive settlement across the non binding remainder. Set the lead case win probability and see the projected settlement spread.

65%