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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and debt settlement in England and Wales, particularly relevant if the medical debt falls under consumer credit regulations

Limitation Act 1980: Sets statutory time limits for bringing legal claims regarding debts, including medical debts (generally 6 years for simple contracts)

Consumer Rights Act 2015: Consolidates key consumer rights legislation and provides protection for consumers in relation to services, including healthcare services

Data Protection Act 2018 and UK GDPR: Governs how personal and medical data must be handled and protected in debt settlement processes

National Health Service Act 2006: Primary legislation governing the provision of healthcare services in England and the framework for charging

Health and Social Care Act 2012: Updates to NHS legislation including provisions affecting healthcare charges and financial management

NHS (Charges to Overseas Visitors) Regulations 2015: Specific regulations regarding charges for overseas visitors using NHS services, relevant for international medical debt cases

Consumer Protection from Unfair Trading Regulations 2008: Protects consumers from unfair practices in debt collection and settlement processes

FCA Handbook (CONC): Financial Conduct Authority's Consumer Credit sourcebook providing detailed regulations for debt collection practices

Consumer Protection (Amendment) Regulations 2014: Additional consumer protection measures affecting debt settlement arrangements

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

Civil Procedure Rules: Rules governing civil litigation in England and Wales, relevant if the medical debt has been subject to court proceedings