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

Limitation Act 1980: Sets statutory time limits for bringing claims regarding debt collection, typically 6 years for most debts from the date of last payment or acknowledgment

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including debt collection activities and consumer protection measures

Consumer Rights Act 2015: Provides framework for consumer protection and rights, including unfair contract terms and business practices in debt collection

FCA Handbook - CONC: Consumer Credit Sourcebook containing detailed rules and guidance for firms involved in credit-related activities including debt collection

FCA Handbook - DISP: Dispute Resolution rules setting out how regulated firms should handle customer complaints and resolve disputes

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices, including aggressive or misleading debt collection tactics

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

UK GDPR: Data protection regulations governing how personal information must be handled in debt collection processes

Data Protection Act 2018: UK's implementation of data protection standards, including specific provisions for handling personal data in financial services

Pre-Action Protocol for Debt Claims: Court procedures that must be followed before starting debt claim proceedings, including requirements for information exchange

Taking Control of Goods Regulations 2013: Regulations governing how enforcement agents (bailiffs) must behave when collecting debts, including rules for seizing goods