Consumer Credit Act 1974: Primary legislation governing consumer credit and debt collection practices, including requirements for credit agreements and enforcement
Limitation Act 1980: Sets statutory time limits for bringing claims regarding debts, typically 6 years for most medical debts
Data Protection Act 2018 and UK GDPR: Legislation governing how personal and medical data must be handled, processed, and protected
Healthcare Act 2006: Legislation governing healthcare services and associated charges in England and Wales
National Health Service Act 2006: Primary legislation governing NHS services, including provisions related to charges and payment collection
FCA Regulations: Financial Conduct Authority regulations specifying requirements for fair debt collection practices and consumer protection
Consumer Protection from Unfair Trading Regulations 2008: Protects patients from unfair commercial practices and misleading actions in debt collection
Consumer Rights Act 2015: Establishes consumer rights and protections, including fairness in terms and conditions of service
Health and Social Care Act 2012: Framework for healthcare regulation and service provision, including billing and collection practices
NHS (Charges to Overseas Visitors) Regulations 2015: Specific regulations regarding charging and collecting payment from overseas visitors for NHS services
Medical Act 1983: Relevant for private healthcare debts and medical practitioner requirements
Credit Services Association Code of Practice: Industry guidelines for ethical and professional debt collection practices
Privacy and Electronic Communications Regulations 2003: Governs electronic communications in debt collection, including restrictions on contact methods
Pre-Action Protocol for Debt Claims: Court procedures that must be followed before initiating legal action for debt recovery
