Section 9 of the Act of 1995 is amended -

(a) in subsection (1), by the substitution of "agreed, in the case of a credit agreement, by the creditor and the consumer and, in the case of a hire-purchase agreement, by the owner and the hirer," for "agreed by the creditor and the consumer,", and

(b) in subsection (2), by the substitution of "or in relation to any form of credit covered in this Act or in relation to hire-purchase agreements" for "or in relation to any form of credit covered in this Act".