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Consumer Credit Act 1974: Primary legislation governing consumer credit and debt collection, including requirements for information provision and consumer protections in debt collection practices

Data Protection Act 2018 and UK GDPR: Legislation governing the handling of personal data, including rights to data erasure and requirements for maintaining accurate records in debt collection processes

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services and provides the basis for FCA regulations regarding debt collection activities

Consumer Rights Act 2015: Legislation ensuring fair treatment of consumers, transparency requirements, and protection against unfair contract terms in debt collection

Limitation Act 1980: Sets out the statute of limitations for debt collection and defines time limits for taking legal action to recover debts

FCA Regulations (CONC): Regulatory guidelines from the Financial Conduct Authority, including the Consumer Credit Sourcebook rules for fair treatment of customers in debt collection

Credit Services Association Code of Practice: Industry standards and best practices for debt collection activities in the UK