Without prejudice to other obligations provided for in this Directive, Member States shall ensure that prior to modifying the terms and conditions of the credit agreement, the creditor communicates the following information to the consumer:

(a) a clear description of the proposed changes and, where applicable, of the need for consumer consent or of the changes introduced by operation of law;

(b) the timescale for the implementation of the changes referred to in point (a);

(c) the means for complaint available to the consumer regarding the changes referred to in point (a);

(d) the time period available for lodging any such complaint;

(e) the name and address of the competent authority to which the consumer can submit that complaint.