Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer lending in England and Wales. Essential if the borrower is a consumer.

Financial Services and Markets Act 2000: Key legislation regulating financial services and markets in the UK, establishing regulatory framework and requirements for financial activities.

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly exclusion and limitation clauses.

Consumer Rights Act 2015: Consolidated legislation protecting consumer rights, including unfair terms in consumer contracts and transparency requirements.

Law of Property Act 1925: Fundamental legislation governing property law, relevant if the loan agreement is secured against property.

FCA Handbook (CONC): Consumer Credit Sourcebook containing detailed regulations for consumer credit activities and lending practices.

MCOB Regulations: Mortgages and Home Finance: Conduct of Business Sourcebook - relevant if the forbearance agreement relates to mortgage lending.

Regulated Activities Order 2001: Specifies which activities require FCA authorization and regulation under the Financial Services and Markets Act.

Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices between traders and consumers, including misleading actions and aggressive practices.

Financial Services (Distance Marketing) Regulations 2004: Governs the remote marketing and selling of financial services, including disclosure requirements and cancellation rights.

Common Law Contract Principles: Fundamental principles including offer, acceptance, consideration, and intention to create legal relations that govern contract formation.

Doctrine of Promissory Estoppel: Common law principle preventing a party from going back on a promise if the other party has relied on it to their detriment.

FCA Treating Customers Fairly: Regulatory principle requiring firms to put customers' interests at the heart of their business model and treat them fairly.

Debt Respite Scheme Regulations: Also known as Breathing Space regulations, providing temporary protection for people in problem debt.