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Law of Property Act 1925: Key sections 101-103 regarding power of sale and section 196 regarding service of notices. This is the primary legislation governing property law in England and Wales.

Financial Services and Markets Act 2000: Regulations concerning authorized lenders and financial conduct, providing the framework for financial services regulation in England and Wales.

Mortgage Conduct of Business Rules (MCOB): Part of the FCA Handbook, particularly MCOB 13, which provides specific guidelines on handling arrears and repossessions.

Pre-Action Protocol for Possession Claims: Court requirements that must be followed before initiating possession proceedings, including steps for ensuring fair treatment of borrowers.

Consumer Credit Act 1974: Legislation governing regulated mortgages, including specific requirements for default notices and consumer protection.

FCA Regulations: Financial Conduct Authority guidelines on treating customers fairly and requirements for handling customers in financial difficulty.

Administration of Justice Acts 1970 and 1973: Legislation defining court powers regarding mortgage possession and providing additional protections for mortgagors.

Original Mortgage Agreement: The specific terms and conditions set out in the original mortgage contract that must be considered when drafting the notice.

Property Classification Requirements: Different requirements based on whether the property is residential or commercial, affecting the foreclosure process and notice requirements.

Borrower Classification Requirements: Specific considerations based on whether the borrower is a consumer or business entity, affecting the level of protection and required notices.