Response to Wescot Credit Services Ltd

ok call me naive, maybe stupid, i took alot of stuped loans and got lots of credit cards etc, i have managed to clear most of them as im in my 20's now, i still have a few outstanding for 100 quid or so, i got a letter from wescot about a sum i owe, i have recieved letter's from a different place regarding this sum? why is this? do they buy debts off of each other??? on this letter they say they 'unless you make payment of **** within the next 7 days a claim form summons may be lodged with hull county court or the local sheriff court...' and goes on to say about i will have to pay the legal fee's. is this true? can they do this? someone told me nglish laws are different from scottish laws blah blah, i will pay it eventually, but cant in the next 7 days, do i have anything to worry about??? (and i do work and have my own flat)

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