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Late Payment of Commercial Debts (Interest) Act 1998: Governs statutory rights to claim interest and fixed compensation on commercial debts, including applicable interest rates for late payments

Limitation Act 1980: Sets time limits for bringing claims (generally 6 years for simple contracts) and determines when debts become statute-barred

Consumer Credit Act 1974: Regulates consumer credit agreements, including requirements for information provision, consumer protection provisions, and fair treatment requirements

Financial Conduct Authority (FCA) Regulations: Includes CONC (Consumer Credit Sourcebook) rules, fair treatment of customers requirements, and clear communication guidelines

Financial Services and Markets Act 2000: Establishes regulatory framework for financial services and debt collection practices

General Data Protection Regulation (GDPR) and Data Protection Act 2018: Governs personal data handling, privacy requirements, and information security in debt collection communications

Consumer Rights Act 2015: Ensures fairness of terms and transparency requirements in consumer contracts and communications

Taking Control of Goods Regulations 2013: Establishes rules for enforcement actions and collection procedures in debt recovery

Credit Services Association Code: Industry code of practice providing guidelines for debt collection agencies

FCA Treating Customers Fairly Principles: Regulatory principles ensuring fair treatment of customers in financial services and debt collection