As The Herald reveals today, the judgment in a test case brought by Santander, the Spanish-headquartered bank extending its presence in Britain, means that the small claims court will no longer be available as the forum for claimants in such cases.
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There is even less room to manoeuvre in that uncomfortable space between a rock and a hard place for bank customers in Scotland who are the subject of overdraft charges and who seek to claim the cash back by legal means.
