Without prejudice to other obligations provided for in these Regulations, prior to the modification of the terms and conditions of a credit agreement, the creditor shall communicate 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 paragraph (a);

(c) the means for complaint available to the consumer regarding the changes referred to in paragraph (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.