(1) Subject to regulations 20 to 23, a notice given under section 86B of the 1974 Act (notice of sums in arrears under fixed-sum credit agreements etc.) shall contain -
(a) a form of wording to the effect that the notice is given in compliance with the 1974 Act because the debtor or hirer is behind with the sums payable under the agreement;
(b) a form of wording encouraging the debtor or the hirer to discuss the state of his account with the creditor or owner;
(c) the information required by paragraphs 1 to 3 of Schedule 3;
(d) statements in the form specified in paragraphs 4 and 5 of Schedule 3 as applicable; and
(e) a statement in the form specified in Part 5 of Schedule 3.
(2) In addition, where the notice is required to be given under section 86B(2)(a) of the 1974 Act -
(a) it shall include the information set out in Part 2 of Schedule 3;
(b) the creditor or owner shall within fifteen working days of receiving the debtor’s or hirer’s request for further information about the sh
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