Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and related debt matters in England and Wales. Essential for consumer credit debts and their settlement.

Limitation Act 1980: Establishes statutory time limits for bringing legal actions to recover debts. Important for determining if a debt is statute-barred.

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including debt management and settlement activities.

Consumer Rights Act 2015: Consolidates consumer protection legislation and ensures fairness in consumer contracts, including debt agreements.

FCA Regulations (CONC): Financial Conduct Authority's Consumer Credit Sourcebook providing detailed rules for consumer credit activities and debt collection.

Consumer Protection from Unfair Trading Regulations 2008: Protects consumers from unfair commercial practices, including in debt collection and settlement negotiations.

FCA TCF Principles: Treating Customers Fairly principles that must be adhered to by financial institutions and debt collectors.

Pre-Action Protocol for Debt Claims: Court procedures that must be followed before initiating legal proceedings for debt recovery.

Civil Procedure Rules: Rules governing civil litigation in England and Wales, relevant if the debt matter involves court proceedings.

UK GDPR: Data protection regulations ensuring proper handling of personal information in debt-related communications.

Data Protection Act 2018: UK's implementation of data protection requirements, governing how personal information is handled in debt matters.

Insolvency Act 1986: Legislation governing insolvency procedures and relevant when dealing with debtors considering or undergoing insolvency.

Banking Act 2009: Regulations specific to banking institutions involved in debt settlement arrangements.

Contract Law Principles: Common law principles governing formation and enforcement of contracts, including debt settlement agreements.