Late Payment of Commercial Debts (Interest) Act 1998: Establishes statutory right to claim interest on late commercial payments, sets out applicable interest rates, and allows for compensation for late payment

Limitation Act 1980: Sets time limits for bringing claims (generally 6 years for simple contracts) and establishes when the debt became due

Consumer Credit Act 1974: Regulates enforcement of consumer credit agreements and sets out requirements for communications with debtors

Financial Conduct Authority (FCA) Rules: Includes CONC (Consumer Credit Sourcebook) regulations and guidelines for fair treatment of customers in debt collection

Pre-Action Protocol for Debt Claims: Sets out required steps creditors must take before court proceedings, including information requirements and response timeframes

General Data Protection Regulation (GDPR) and Data Protection Act 2018: Outlines requirements for handling personal data and privacy considerations in communications

Contract Law principles: Covers requirements to reference underlying contract or basis of debt and consideration of contractual interest rates