UK Courts Question: What was the judges final decision that may be cited as precedent in these cases?
<p>Sheriff Court at Kirkcaldy: David Boyack v The Royal Bank of Scotland  ( this case was referred to in the "Office of Fair Trading (Respondents) v. Lloyds TSB Bank plc and others (Appellants) and others (Respondents)" 2007
<a href="https://publications.parliament.uk/pa/ld200607/ldjudgmt/jd071031/lloyds-1.htm" rel="nofollow noreferrer">link</a> </p>

<p>The other related case is the ROGER MARSHALL and  GILLIAN MARSHALL vs  RETAIL INSTALLATIONS SERVICES LIMITED, TESCO PERSONAL FINANCE PLC &amp;
BARCLAYS BANK PLC? (case no B94YJ831 heard at the County Court at Cardiff on 30th September 2016)
<a href="http://queensquarechambers.co.uk/wp-content/uploads/2017/02/Marshall-v-Tesco-Judgment-Handed-Down.pdf" rel="nofollow noreferrer">link</a></p>

<p>Even this <a href="https://www.bailii.org/cgi-bin/lucy_search_1.cgi?sort=rank&amp;method=boolean&amp;results=200&amp;highlight=1&amp;mask_path=scot/cases%20scot/legis%20scot/other%20uk/cases/UKPC%20uk/cases/UKHL%20uk/cases/UKSC&amp;query=(david)%20AND%20(boyack)%20AND%20(v)%20AND%20(the)%20AND%20(royal)%20AND%20(bank)%20AND%20(of)%20AND%20(scotland)" rel="nofollow noreferrer">site</a> gives no answer and that site was recommended in this answer 
 on Stackexchange:Law   <a href="https://law.stackexchange.com/questions/7949/where-can-i-find-actual-uk-law-paragraphs?rq=1">Where can I find actual UK law paragraphs?</a> </p>

<p>I have searched google  to no avail.?</p>

<p>The final decision is, in each case, the document you have linked. </p>

<p>There will be a format for citing the cases which may vary depending on where you are citing them, for example, UK cases in the UK use a slightly different citation then when they are cited from Australia or Canada etc.</p>

<p>In the second, Welsh, case you refer to, the final decision is indeed the judgement you have linked; citations must be taken from that document and no other. The first is slightly different, being a Scottish case. Your link is to the appeal judgment in 'OFT -v- Lloyds'; this is the final decision, but not the decision in the case of 'Boyack -v- RBS', in which you say you are interested. I can't find that judgement quickly; it may not be online, or it may require a Scottish lawyer to find the right keywords (if 'costs' equals 'expenses', then 'judgement' may well have some other name.)</p>

<p>Part of your confusion may stem from the belief that there is a 'UK Courts System' using a single terminology; there are three different jurisdictions, as different as US States.</p>

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