Eileen,(posted 7232 days ago)If Scottish law is involved here then bear in mind this is different to English law. If you need advice on Scottish law I know Moira who has posted on this site quite a bit has some links to Scottish solicitors/advisors. Let me know if you want her email address, though you can find it looking back at previous postings. Good Luck.
Mark.
P.S. You could also try National Debtline which has a national telephone helpline for people with debt problems in England, Wales and Scotland, see: http://www.birminghamsettlement.org.uk/advice_natdebt.htm