Ebbie, I live in London where the water is fairly "Hard" a number of years ago I rented a cottage in Scotland in a VERY soft water area, on the firsst morning I jumped in the shower and used the same amount of shampoo as I did at home and in a few moments the shower cubicle was FULL to chest height(I know, not very high in my case) with white foam!!!! it took ages to get rid of it.

BTW as a Chemist, the reason you get scale in kettles is because there are 2 kinds of "hardness" in water temporary (due to Bicarbonate) and permanent due to the presence of carbonate (mostly of Calcium and Magnesium) when you boil the water the temporary hardness(bicarbonate which is very soluble) breaks down and forms carbonate, which is MUCH less soluble and comes out of solution , to form lime scale(Calcium carbonate is chemically the same as Marble)