(1) A long-term holiday product contract furnished by a trader to a consumer shall provide as follows:
(a) that all payments are to be made according to a schedule of payments by instalment;
(b) that no payment of the price specified in the contract, otherwise than in accordance with the schedule of payments by instalment, is made;
(c) that the payments, including any membership fee, are divided into yearly instalments, each of equal value;
(d) that a written request for payment, on paper or on another durable medium, is to be sent to the consumer at least 14 calendar days in advance of each due date for payment.
(2) A trader who contravenes paragraph (1) shall be guilty of an offence.
(3) Without prejudice to a right to terminate a contract under another enactment or rule of law, the consumer may, without incurring any penalty, terminate a long-term holiday product contract, at any time after he or she receives a request from the trader to make the second instalment payment under that
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