Dear deeksha,
Hardness of water is usually attributed to calcium and magnesium salts but any cation with two or more charges can cause it (eg iron(II) here). The cation will form a precipitate (scum) with soap, eg:
calcium chloride + sodium stearate (soap) → calcium stearate (scum) + sodium chloride
This scum wastes soap and can cause abrasion to clothes, as well as causing unsightly deposits round baths and showers.
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