By Adam Samuel, Thomson Reuters Accelus contributor. The opinions expressed are his own.

LONDON, May 13 (Thomson Reuters Accelus) – The British Bankers’ Association left it until the day before the last available one to appeal against its defeat in the Administrative Court, to throw in the towel in its payment protection insurance judicial review application.

Having lost on every point in front of Mr Justice Ouseley, the BBA’s undignified judicial review challenge to both the Financial Services Authority and the Financial Ombudsman Service’s material on PPI complaint handling is over.

By leaving the decision so late, the BBA managed to embarrass the Royal Bank of Scotland board, which seemed to suggest the day before that Lloyds TSB’s decision not to back an appeal made no difference to its fellow government-owned competitor. It will have annoyed both regulator and ombudsman to have been left hanging on in this way.