(1) This regulation applies to an agreement (other than an authorised non-business overdraft agreement) made -
(a) at the debtor's request, and
(b) using a means of distance communication other than a voice telephone communication which does not enable the provision before the agreement is made of the pre-contract credit information.
(2) The creditor must disclose the pre-contract credit information in the manner set out in regulation 8 immediately after the agreement is made.