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Consumer Credit Act 1974: Primary legislation governing consumer credit and debt collection practices, including requirements for credit agreements and enforcement

Limitation Act 1980: Sets statutory time limits for bringing claims regarding debts, typically 6 years for most medical debts

Data Protection Act 2018 and UK GDPR: Legislation governing how personal and medical data must be handled, processed, and protected

Healthcare Act 2006: Legislation governing healthcare services and associated charges in England and Wales

National Health Service Act 2006: Primary legislation governing NHS services, including provisions related to charges and payment collection

FCA Regulations: Financial Conduct Authority regulations specifying requirements for fair debt collection practices and consumer protection

Consumer Protection from Unfair Trading Regulations 2008: Protects patients from unfair commercial practices and misleading actions in debt collection

Consumer Rights Act 2015: Establishes consumer rights and protections, including fairness in terms and conditions of service

Health and Social Care Act 2012: Framework for healthcare regulation and service provision, including billing and collection practices

NHS (Charges to Overseas Visitors) Regulations 2015: Specific regulations regarding charging and collecting payment from overseas visitors for NHS services

Medical Act 1983: Relevant for private healthcare debts and medical practitioner requirements

Credit Services Association Code of Practice: Industry guidelines for ethical and professional debt collection practices

Privacy and Electronic Communications Regulations 2003: Governs electronic communications in debt collection, including restrictions on contact methods

Pre-Action Protocol for Debt Claims: Court procedures that must be followed before initiating legal action for debt recovery