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Bills of Exchange Act 1882: Primary legislation governing promissory notes in England and Wales. Defines valid promissory notes and sets out requirements for negotiability.

Consumer Credit Act 1974: Regulates consumer credit agreements, including mandatory disclosure requirements and consumer protections. Applicable if the borrower is a consumer.

Limitation Act 1980: Sets statutory time limits for enforcement of contracts, generally 6 years for simple contracts. Relevant for statute of limitations provisions in promissory notes.

Financial Services and Markets Act 2000: Regulatory framework for financial services in the UK. Relevant if the lender is a regulated entity, ensuring compliance with regulatory requirements.

Unfair Contract Terms Act 1977: Ensures contractual terms are fair and reasonable, providing protections against unfair terms in contracts.

Consumer Rights Act 2015: Provides additional consumer protections, including requirements for fairness and transparency in consumer contracts.

Contract Law Principles: Common law fundamentals including offer, acceptance, consideration, intention to create legal relations, and capacity to contract.

Doctrine of Incorporation: Common law principle ensuring terms are properly incorporated into the contract and brought to the attention of all parties.