Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and debt collection practices for consumer credit in England and Wales
Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including debt collection activities
Limitation Act 1980: Sets statutory time limits for bringing claims related to debt collection, typically 6 years for simple contracts
Consumer Rights Act 2015: Consolidates key consumer rights and protection, including unfair terms in consumer contracts
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices between traders and consumers, including in debt collection
Pre-Action Protocol for Debt Claims: Sets out the conduct expected of parties before court proceedings, including specific steps creditors must take
Civil Procedure Rules: Procedural rules governing civil litigation in England and Wales, including debt claims
UK GDPR: Regulates the processing of personal data, including how debt-related personal information must be handled
Data Protection Act 2018: The UK's implementation of data protection standards, complementing UK GDPR requirements
Privacy and Electronic Communications Regulations: Governs electronic communications, including restrictions on how debtors can be contacted
Late Payment of Commercial Debts (Interest) Act 1998: Provides statutory right to claim interest on late commercial payments
County Courts Act 1984: Governs county court proceedings and statutory interest rates in debt claims
Financial Services (Distance Marketing) Regulations 2004: Regulates the remote marketing of financial services, including debt-related services
Unfair Contract Terms Act 1977: Controls the use of unfair terms in contracts, particularly those attempting to exclude or limit liability
Consumer Protection (Amendment) Regulations 2014: Provides additional consumer protection measures, including right to redress for misleading or aggressive practices
