Differences in Scottish and English Law

My house was repossessed in England in 1993. I then moved to Scotland. It was auctioned by the Halifax and they got £21,000 (original mortgage £40,000). For some years after this, I was chased firstly by Halifax for £18,000 then 2 other debt collection agencies. I basically ignored everything as was not in a position to repay this amount. In June this year I was contacted by yet another debt collector, Experto Credite, on behalf of Royal & Sun Alliance for £10,000 (the Mortgage Indemnity claim). What i'm not sure about is what law will this come under? They quote about Contract under Seal (which I believe does not exist in Scotland). The threats vary from letter to letter of High Court and County Court proceedings - if it went to court, would I be expected to go to England? I am unsure of the Limitations - are they Scottish or English? I am Scottish so can they hold the same laws over me in Scotland? Can anyone help?

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