Royal Bank of Scotland charges man £3,400 in bank charges. Man goes to court, claiming charges are illegal under UK law. Bank doesn’t bother to show up or contest the claim. Court rules in man’s favor. Bank doesn’t respond when payment of debt is demanded. Man sends in debt collectors, who seize fax machines and computers from the local high street branch in front of startled customers, and tell the bank the equipment will be sold to pay the debt unless the bank coughs up the money it owes.