Late Payment of Commercial Debts (Interest) Act 1998: Primary legislation governing commercial late payments, establishing statutory rights to claim interest, defining when payments become 'late', and setting fixed compensation amounts for late payment

Limitation Act 1980: Sets statutory time limits for bringing claims (6 years for simple contracts) and determines when the limitation period begins

Consumer Credit Act 1974: Regulates credit agreements with consumers and establishes requirements for communications with consumer debtors

FCA Rules: Financial Conduct Authority regulations including fair treatment guidelines and CONC (Consumer Credit Sourcebook) rules on debt collection for regulated entities

GDPR and Data Protection Act 2018: Legislation governing the handling of personal data and privacy considerations in communications with debtors

Financial Services and Markets Act 2000: Regulatory framework for financial services firms and their activities in the UK, including debt collection practices

Pre-Action Protocol for Debt Claims: Court procedure rules outlining required steps before legal proceedings, including specific information that must be provided to debtors