Section 115A of the Principal Act is amended-

(a) in subsection (2), by the substitution of "28 days" for "14 days",

(b) in subsection (5), by the substitution of ", whether before or after" for "before", and

(c) in subsection (18) by the substitution of the following paragraph for paragraph (b):

"(b) in respect of which the debtor-

(i) is in arrears with his or her payments, or

(ii) having been in arrears with his or her payments, has entered into an alternative repayment arrangement with the secured creditor concerned.".