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Late Payment of Commercial Debts (Interest) Act 1998: Key legislation that establishes statutory rights to claim interest and compensation for late payment, defines when a payment becomes late, and establishes applicable interest rates

Limitation Act 1980: Sets time limits for bringing claims (generally 6 years for simple contract debts) and establishes if the debt is still legally enforceable

Consumer Credit Act 1974: Regulates debt collection from consumers, including required information and formats for communications with consumer debtors

Financial Conduct Authority (FCA) Rules: Includes CONC (Consumer Credit Sourcebook) requirements, fair treatment of debtors, and clear communication requirements for debt collection

Pre-Action Protocol for Debt Claims: Outlines required steps before court action, specifies information that must be provided to debtors, and establishes appropriate timeframes

GDPR and Data Protection Act 2018: Establishes requirements for handling personal data and privacy considerations in debt collection communications

Contract Law Principles: Fundamental legal principles covering establishment of debt existence, terms of original agreement, and consideration of disputes