s. 66 contract and did not, during the billing cycle, provide further credit. 66 Credit provider to pay amounts owing to debtor upon request Where at any time there is an amount owing to the debtor by the credit provider under a continuing credit contract that exceeds the amount owing at that time by the debtor to the credit provider, the credit provider shall, upon request by the debtor, pay that amount to the debtor. 67 Civil penalty (1) Subject to section 85, where, in relation to a billing cycle of a continuing credit contract— (a) the credit provider has not given notice in writing to the debtor of the annual percentage rate in respect of the contract in accordance with section 3(4) or 59; (b) the credit charge— (i) is determined otherwise than in accordance with this Division; or (ii) is not included in a statement of account for that billing cycle given to the debtor under section 61; (c) the debtor incurs a debt under the contract before the credit provider has given a notice under section 59; (d) the credit provider includes in the statement of account for that billing cycle an amount of deferral charges or default charges; or
contract and did not, during the billing cycle, provide further credit. 66 Credit provider to pay amounts owing to debtor upon request s. 66 Where at any time there is an amount owing to the debtor by the credit provider under a continuing credit contract that exceeds the amount owing at that time by the debtor to the credit provider, the credit provider shall, upon request by the debtor, pay that amount to the debtor. 67 Civil penalty (1) Subject to section 85, where, in relation to a billing cycle of a continuing credit contract— (a) the credit provider has not given notice in writing to the debtor of the annual percentage rate in respect of the contract in accordance with section 3(4) or 59; (b) the credit charge— (i) is determined otherwise than in accordance with this Division; or (ii) is not included in a statement of account for that billing cycle given to the debtor under section 61; (c) the debtor incurs a debt under the contract before the credit provider has given a notice under section 59; (d) the credit provider includes in the statement of account for that billing cycle an amount of deferral charges or default charges; or