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Your previous question was posted in the laws of England & Wales.
I dealt with your question yesterday and we spoke. The Consumer Credit Act 1974 applies to England & Wales, Scotland and Northern Ireland. Hence, you are entitled to a copy of the agreements before they can enforce them.
With regard to the Time Limit, I apologise that the difference in limitation for a contract is 5 years in Scotland. Not 6 that it is in England.That actually makes it better for you though.
Although the is very often different in Scotland, what exactly is it that your solicitor is saying is totally different about this?
Would you like me to call again? There will be no charge.