(A1) Where a creditor under a prospective regulated agreement, other than an excluded agreement, decides not to proceed with it on the basis of information obtained by the creditor from a credit reference agency, the creditor must, when informing the debtor of the decision -
(a) inform the debtor that this decision has been reached on the basis of information from a credit reference agency, and
(b) provide the debtor with the particulars of the agency including its name, address and telephone number.
(1) In any other case, a creditor, owner or negotiator, within the prescribed period after receiving a request in writing to that effect from the debtor or hirer, shall give him notice of the name and address of any credit reference agency from which the creditor, owner or negotiator has, during the antecedent negotiations, applied for information about his financial standing.
(2) Subsection (1) does not apply to a request received more than 28 days after the termination of the anteceden
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