(1) The debtor under a regulated consumer credit agreement, other than an excluded agreement, may withdraw from the agreement, without giving any reason, in accordance with this section.
(2) To withdraw from an agreement under this section the debtor must give oral or written notice of the withdrawal to the creditor before the end of the period of 14 days beginning with the day after the relevant day.
(3) For the purposes of subsection (2) the relevant day is whichever is the latest of the following -
(a) the day on which the agreement is made;
(b) where the creditor is required to inform the debtor of the credit limit under the agreement, the day on which the creditor first does so;
(c) in the case of an agreement to which section 61A (duty to supply copy of executed consumer credit agreement) applies, the day on which the debtor receives a copy of the agreement under that section or on which the debtor is informed as specified in subsection (3) of that section;
(d) in the case of an
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