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Limitation Act 1980: Sets statutory time limits for bringing debt collection claims, typically 6 years for simple contracts and 12 years for speciality debts. Critical for determining if a debt is statute-barred.

Consumer Credit Act 1974: Regulates consumer credit agreements and provides consumer protections in credit transactions. Essential for consumer debt collection procedures.

Data Protection Act 2018 and UK GDPR: Governs how personal data must be handled, processed, and protected during debt collection activities.

Financial Services and Markets Act 2000: Provides the framework for financial services regulation in the UK, including debt collection activities.

FCA Handbook (CONC): Contains specific rules and guidance for consumer credit activities, including debt collection practices and treating customers fairly.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices and sets standards for business-to-consumer transactions, including debt collection.

Taking Control of Goods Regulations 2013: Specifies procedures and rules for enforcement agents (bailiffs) when collecting debts, including notice requirements and entry restrictions.

Taking Control of Goods (Fees) Regulations 2014: Sets out the fee structure that enforcement agents can charge during the debt collection process.

Late Payment of Commercial Debts (Interest) Act 1998: Allows businesses to claim interest and compensation on late commercial payments.

Credit Services Association Code of Practice: Industry guidelines establishing best practices for debt collection agencies and their conduct.

Pre-action Protocol for Debt Claims: Outlines the steps creditors must take before starting court proceedings for debt recovery.

Civil Procedure Rules: Procedural rules governing civil litigation in England and Wales, relevant when legal action is initiated for debt collection.

Unfair Contract Terms Act 1977: Regulates unfair terms in contracts, ensuring balance between creditor rights and debtor protections.

Consumer Rights Act 2015: Consolidates consumer protection law, including rights and remedies relevant to consumer debt situations.