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Limitation Act 1980: Sets time limits on debt collection, including six-year limitation period for most debts and twelve years for specialty debts. Critical for determining enforceability of the debt being settled.

Consumer Credit Act 1974: Regulates consumer credit agreements, including requirements for information disclosure and consumer protections. Particularly relevant if the debt involves consumer credit.

Contracts (Rights of Third Parties) Act 1999: Establishes common law principles of contract formation and third-party rights in contracts. Essential for ensuring the settlement agreement is properly formed and enforceable.

Consumer Rights Act 2015: Governs consumer protection, including requirements for fairness and transparency in consumer contracts. Applicable when dealing with consumer debts.

Financial Services and Markets Act 2000: Regulatory framework for financial services in the UK. Relevant if the debt settlement involves regulated financial services or institutions.

Unfair Contract Terms Act 1977: Controls the use and fairness of contract terms, particularly in standard form contracts. Important for ensuring settlement terms are fair and enforceable.

Data Protection Act 2018: Together with UK GDPR, governs the handling of personal information in the agreement and settlement process.

FCA Regulations: Financial Conduct Authority regulations that must be considered if the creditor is FCA-regulated, ensuring compliance with regulatory requirements for debt settlement.