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Consumer Credit Act 1974: Primary legislation regulating credit agreements, including disclosure requirements, rights and obligations of lenders and borrowers, and enforcement procedures

Financial Services and Markets Act 2000: Legislation governing financial services and markets regulation, particularly relevant if the lender provides loans as a business activity

Consumer Rights Act 2015: Ensures fairness in contract terms and protects consumer rights, particularly applicable when one party is acting as a consumer

Misrepresentation Act 1967: Covers false statements inducing contract formation and provides remedies for misrepresentation in contractual relationships

Unfair Contract Terms Act 1977: Restricts the ability to exclude or limit liability and ensures contract terms are reasonable and fair

Limitation Act 1980: Sets statutory time limits for bringing legal actions, particularly relevant for debt enforcement

Data Protection Act 2018 and UK GDPR: Governs the handling and protection of personal data in record-keeping and information processing

FCA Regulations: Financial Conduct Authority regulations providing additional regulatory requirements for financial services and lending

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

Consumer Protection from Unfair Trading Regulations 2008: Protects consumers from unfair commercial practices and sets standards for business-to-consumer transactions