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
