Law of Property Act 1925: Primary legislation governing property law in England and Wales, including mortgage enforcement and foreclosure procedures
Financial Services and Markets Act 2000: Key legislation regulating financial services and markets, including mortgage lending and enforcement
Consumer Credit Act 1974: Legislation protecting consumers in credit transactions, may apply depending on the type of loan
Mortgage Credit Directive Order 2015: Implements EU regulations on mortgage credit, setting standards for mortgage lending and consumer protection
FCA Mortgage Conduct of Business Rules (MCOB): Regulatory framework setting out how mortgage lenders must treat customers and handle arrears
Pre-Action Protocol for Possession Claims: Court protocol specifying steps required before initiating possession proceedings for mortgaged properties
FCA's Treating Customers Fairly Principles: Regulatory principles ensuring fair treatment of customers in financial services
Civil Procedure Rules: Rules governing civil litigation in England and Wales, including mortgage possession proceedings
Human Rights Act 1998: Legislation protecting fundamental rights, including the right to respect for home in possession cases
Equality Act 2010: Legislation protecting against discrimination, particularly relevant for vulnerable customers in foreclosure situations
Notice Period Requirements: Mandatory waiting periods and notice requirements before initiating foreclosure proceedings
Information Disclosure Requirements: Obligations to provide clear information about arrears, options available, and sources of independent advice
