Consumer Credit Act 1974: Primary legislation regulating how creditors can pursue debts from consumers, including requirements for information disclosure and prescribed content for communications
FCA Rules (CONC): Financial Conduct Authority regulations including Consumer Credit Sourcebook, covering fair treatment of customers, clear communications, and treatment of customers in default with forbearance
Data Protection Act 2018 and UK GDPR: Legislation governing the handling of personal information, privacy considerations, and data protection principles in debt collection
Limitation Act 1980: Sets time limits for debt recovery (generally 6 years) and determines when debts become statute-barred
Financial Services and Markets Act 2000: Provides regulatory framework for financial services and consumer protection provisions in debt collection
Administration of Justice Act 1970: Contains restrictions on harassment of debtors and regulations around threatening language in debt collection communications
Protection from Harassment Act 1997: Prevents excessive contact or harassment and defines acceptable collection practices in debt recovery
Late Payment of Commercial Debts (Interest) Act 1998: Governs statutory interest rates and regulations for B2B debt collection
