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Limitation Act 1980: Primary legislation governing time limits for debt recovery claims. Key aspects include: 6-year limitation period for simple contracts and provision that written acknowledgement creates new limitation period.

Consumer Credit Act 1974: Regulates consumer credit arrangements, stipulating requirements for form and content of credit agreements and providing consumer protection provisions.

Contracts (Rights of Third Parties) Act 1999: Governs how third parties may acquire rights under a contract and becomes relevant if any third parties might have rights under the debt agreement.

Law of Property (Miscellaneous Provisions) Act 1989: Relevant legislation when the debt is secured against property, governing formalities for creation of security interests.

Unfair Contract Terms Act 1977: Ensures contractual terms are fair and reasonable, particularly important in consumer contexts. Restricts ability to exclude or limit certain types of liability.

Consumer Rights Act 2015: Provides consumer protection and requires transparency in consumer contracts. Ensures fairness of terms when one party is a consumer.

Financial Services and Markets Act 2000: Relevant when debt relates to regulated financial services, providing regulatory framework for financial activities.

Common Law Principles: Fundamental legal principles covering contract formation, consideration, capacity to contract, misrepresentation, duress, and undue influence.