Law of Property Act 1925: Key legislation governing mortgage enforcement, particularly sections 101-107 regarding mortgagee's power of sale and section 196 regarding service of notices
Financial Services and Markets Act 2000: Establishes regulatory framework for mortgage activities and requirements for authorized lenders
Consumer Credit Act 1974: Governs regulated credit agreements and consumer protection in mortgage relationships
Administration of Justice Act 1970: Section 36 provides courts with powers to delay repossession and protect borrowers in certain circumstances
Mortgage Conduct of Business Rules (MCOB): Part of FCA Handbook detailing requirements for fair treatment of customers in arrears and mortgage administration
Pre-Action Protocol for Possession Claims: Details court procedures and requirements that must be followed before initiating possession proceedings
FCA Regulations: Regulatory guidelines on treating customers fairly and requirements for dealing with customers in financial difficulty
Human Rights Act 1998: Consideration of Article 8 right to respect for home and ensuring proportionality of enforcement action
Unfair Terms in Consumer Contracts Regulations 1999: Ensures terms of demand are fair, clear and do not create significant imbalance between parties' rights and obligations
