And finally…Scots least likely in UK to ask for their money back

Almost a third of residents in Scotland (29 per cent) said they would be reluctant to ask for a reimbursement.

Those living in Yorkshire and The Humber had no such qualms about standing up for their rights, however, with more than 40 per cent claiming they would be likely to ask for a refund in the same circumstances – more than anywhere else in the UK.

More than half of all Scots (55 per cent) would also rather let a friend keep a £10 loan than ask for it back, while 13 per cent of Welsh people would find a way around the situation and would ask them to pay for something else without raising the subject of the debt.

Yorkshire residents meanwhile emerged as the most likely nationwide to request a refund in a similar situation from research conducted by instant lottery firm Lottoland UK.

Nigel Birrell, CEO, at Lottoland, said: “Scotland has set itself apart culturally for centuries as a land full of poetry, mythology and more – and now, it would seem, as a place less than willing to endure conflict when it comes to engaging in commercial ventures.

“The British are known for their politeness worldwide and we were keen to see how this tradition spreads itself out across the UK today - what we found is that, by and large, the Scots are the meekest and Yorkshire folk the hardiest when it comes to standing up for consumer rights.”