(1) Subject to paragraph (2), where a notice of sums in arrears is given pursuant to section 86B of the 1974 Act in relation to a regulated agreement for fixed-sum credit or a regulated consumer hire agreement made before 1 October 2008 the notice may contain pre-commencement information.
(2) Where pre-commencement information is included in a notice to which section 86(B)(2) applies it may be aggregated with -
(a) the amount of the shortfall in paragraph 6 of Schedule 3;
(b) the sum required to be included in the notice under paragraph 7 of that Schedule; or
(c) the sum required to be included in the notice under paragraph 12 of that Schedule.
(3) For the purposes of this regulation, "pre-commencement information" means any sum which -
(a) became due before 1 October 2008;
(b) the debtor or hirer failed to pay in full when it became due under the agreement; and
(c) remains unpaid at the date the duty to give the notice arose.