She won the appeal because it was concluded by the court of appeal that she had an arguable case that the bank had been harrassing her. I am surprised this has not got any publicity as far as I have seen. Still I thought I would put it on my web log as an interesting case. (A shot across the bows for aggressive banking practise).
This case which is Johnson v Bank of Scotland  EWCA Civ 982 is an appeal in which a Mrs Johnson, as a litigant in person, won an appeal against the Bank of Scotland for harrassing her to pay a debt to the bank.