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Bills of Exchange Act 1882: Primary legislation governing negotiable instruments including promissory notes. Defines requirements for valid promissory notes and sets out rights and obligations of parties.

Consumer Credit Act 1974: Regulates credit agreements and provides consumer protections when the borrower is a consumer. Requires specific disclosures and contains mandatory terms for consumer credit agreements.

Limitation Act 1980: Sets statutory time limits for enforcing debts, generally 6 years for simple contracts from the date of breach.

Law of Property (Miscellaneous Provisions) Act 1989: Establishes requirements for creating valid contracts and formal requirements for certain types of agreements under English law.

Contract Law Fundamentals: Common law principles covering offer and acceptance, consideration, intention to create legal relations, and capacity to contract.

Doctrine of Privity of Contract: Common law principle stating that a contract cannot confer rights or impose obligations upon any person who is not a party to the contract.

Financial Services and Markets Act 2000: Regulatory framework relevant if the lender is conducting regulated activities in the financial services sector.

FCA Regulations: Financial Conduct Authority regulations that may apply to certain types of lending transactions and must be complied with if the activity falls within regulated territory.