Different Law.
Please note that in Scotland Card Fraud should still be reported by the card holder direct to Police.
The rule about Banks having to report such things is not applicable in Scotland.
Scots Law also defines wheel clamping as "extracting money with menaces" and stops it. Choke on that, Clarkson.
When I worked in South East London the local beat cop (yes, it really was in the dark ages) used to drink his tea while giving a running commentary on those passing by the front windows. Very few were not "known to us". Ah, happy days.