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Scotland Case Law

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Contract law [2026] SACCIV 27

Santander Consumer (UK) Plc against Renata Dikmone (Sheriff Appeal Court Civil)

Santander Consumer (UK) Plc against Renata Dikmone (Sheriff Appeal Court Civil) [2026] SACCIV 27 (23 April 2026)

The Sheriff Appeal Court recalled the sheriff’s interlocutor, rejected the respondents’ cross-appeal, and held no further sums or interest were due after full recovery.

  • Consumer rights act 2015
  • Right to reject goods
  • Agency
  • Declarator
  • Expenses
  • Counterclaim
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Civil procedure [2025] SACCIV 22

Together Commercial Finance LTD against John Smith (Sheriff Appeal Court Civil)

Together Commercial Finance LTD against John Smith (Sheriff Appeal Court Civil) [2025] SACCIV 22 (08 July 2025)

Appeal refused against summary decree in a Scottish repossession and arrears action. The court held the defender had no relevant defence and rejected jurisdictional and pseudolegal arguments.

  • Summary decree
  • Repossession
  • Standard security
  • Jurisdiction
  • Human rights
  • Pseudolegal arguments
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Consumer credit [2025] SCHAM 13

Black Horse LTD against D (Court of Session)

Black Horse LTD against D (Court of Session) [2025] SCHAM 13 (04 February 2025)

The sheriff refused a Consumer Credit Act time order in a hire purchase repossession case, granting decree for delivery of the vehicle and expenses against the defender.

  • Time orders
  • Hire purchase agreements
  • Default and termination
  • Repossession
  • Variation of contract terms
  • Consumer-credit
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Property law [2019] ScotSAC Civ 37

SHINE PROPERTIES LTD v BIGGAR MUSEUM TRUST

SHINE PROPERTIES LTD v BIGGAR MUSEUM TRUST [2019] ScotSAC Civ 37 (11 November 2019)

The Sheriff Appeal Court dismissed an appeal against decree for repossession, holding that the sheriff had not erred in finding the lease validly terminated.

  • Appeal
  • Landlord and tenant
  • Lease
  • Repossession
  • Property-law
  • Landlord-and-tenant
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Consumer law [2019] ScotSC SC_38

SANTANDER CONSUMER (UK) PLC AGAINST ;ALAN CREIGHTON

SANTANDER CONSUMER (UK) PLC AGAINST ;ALAN CREIGHTON [2019] ScotSC SC_38 (18 April 2019)

The sheriff court found the respondent in default under a loan agreement and granted Santander Consumer (UK) PLC repossession or recovery relief.

  • Loan agreement
  • Default
  • Repossession
  • Consumer-law
  • Contract-law
  • Loan-agreement
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Property law [2016] ScotSC 62

GE MONEY SECURED LOANS LTD v (FIRST) BRIAN BISSELL MACBRIDE AND (SECOND) LINDA RAE MACBRIDE

GE MONEY SECURED LOANS LTD v (FIRST) BRIAN BISSELL MACBRIDE AND (SECOND) LINDA RAE MACBRIDE [2016] ScotSC 62 (26 September 2016)

Sheriff Kelly held that only limited averments about service of the initial writ and calling-up notices, and wrongful diligence, could proceed to proof.

  • Standard security
  • Repossession
  • Diligence
  • Damages
  • Calling-up notice
  • Standard-security
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Property law [2016] ScotSC 37

GARETH DAVID PETERS AND MRS CAROLINE ELLEN PETERS AGAINST BELHAVEN FINANCE Ltd

GARETH DAVID PETERS AND MRS CAROLINE ELLEN PETERS AGAINST BELHAVEN FINANCE Ltd [2016] ScotSC 37 (06 May 2016)

In a repossession dispute over the Townhead Hotel, the sheriff held that Belhaven’s advertising was inadequate but the defenders still achieved the best obtainable price.

  • Repossession
  • Standard security
  • Duty to advertise
  • Best price obligation
  • Conveyancing and feudal reform (scotland) act 1970 s.25
  • Standard-security
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Property law [2015] ScotCS CSIH_65

SWIFT ADVANCES PLC against JAMES BAIN MARTIN & Ors

SWIFT ADVANCES PLC against JAMES BAIN MARTIN & Ors [2015] ScotCS CSIH_65 (04 September 2015)

The Court of Session refused a borrower appeal, holding that Swift Advances had met pre-action requirements and could seek possession and open-market sale.

  • Repossession
  • Standard security
  • Pre-action requirements
  • Reasonableness test
  • Mortgage arrears
  • Standard-security
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Property law [2014] ScotSC 91

HSBC BANK PLC AGAINST JAMES EDWARD COLLINGE AND LEANNE MAVIS KENNEDY

HSBC BANK PLC AGAINST JAMES EDWARD COLLINGE AND LEANNE MAVIS KENNEDY [2014] ScotSC 91 (05 September 2014)

Appeal refused in a repossession action. The sheriff principal held it was reasonable to grant the bank remedies under the standard security despite the defenders’ proposals.

  • Repossession
  • Standard security
  • Mortgage default
  • Personal guarantees
  • Reasonableness test
  • Appeal procedure
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Property law [2014] ScotCS CSIH_52

JOAN ALEXANDRA HOBLYN AGAINST (1) BARCLAYS BANK PLC AND (2) THE ACCOUNTANT IN BANKRUPTCY

JOAN ALEXANDRA HOBLYN AGAINST (1) BARCLAYS BANK PLC AND (2) THE ACCOUNTANT IN BANKRUPTCY [2014] ScotCS CSIH_52 (11 June 2014)

The Inner House refused a reclaiming motion over repossession and eviction, holding the case had become academic after the home was sold and no relevant case was shown.

  • Repossession
  • Standard security
  • Eviction
  • Reduction of decree
  • Interdict
  • Suspension of diligence
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Scotland decisions are organised by court, judge, legal area and indexed issue so a practitioner can move from a proposition to a citable authority with the surrounding context intact.