You don't know his individual situation , too low of a score ? too much debt to income ? Not our business but each bank transaction is separate and looked up separately. Right? I'm sure they know the asset and he said other banks won't loan the money either so why is his lender wrong? Not good reason sure, but they don't need one. Perhaps they didn't want to say sorry you don't qualify and upset a current customer ?
In my situation many years ago , I got several things transfered in my name only , but I had over 800 score and great income and could walk into any bank and gotten the money on a signature loan. So they weren't concerned but I didn't have a court order for them to do it .. I had , to change it or clear the debit. ( normally sell)
My only point should have beenthey aren't required to. You made it sound on first look like the court normally forced the lender to comply , that's all. Perhaps I misunderstood