(1) At any time before the final payment has been made under an agreement, a consumer or guarantor may request in writing from the owner or seller a copy of the agreement and information with respect to—
(a) the amount paid by or on behalf of the consumer or guarantor;
(b) the amount which has become due under the agreement but remains unpaid, the date on which each unpaid installment became due, and the amount of each such installment; and
(c) the amount which is to become payable under the agreement, the date or the mode of determining the date on which each future installment is to become payable and the amount of each such installment.
(2) The request in writing pursuant to subsection (1) shall contain an address to which the copy of the agreement and statement must be sent.
(3) The information requested pursuant to subsection (1) shall be effected in a statement signed by the owner or seller and shall be served on the consumer within 14 days of the owner or seller receiving the request on the payment of $10.
(4) Notwithstanding this section, an owner or seller may not comply with a request made under subsection (1) if—
(a) he or she has sent the consumer a copy of the agreement and the statement within a period of 3 months immediately preceding the request; or
(b) the request is not accompanied by a payment of $10.
(5) In the event of a failure without reasonable cause to comply with subsection (1), then, while the default continues—
(a) a person shall not be entitled to enforce the agreement against the hirer or buyer or to enforce any contract of guarantee relating to the agreement, and, in the case of a hire-purchase agreement, the owner shall not be entitled to enforce any right to recover the goods from the hirer; and
(b) no security given by the hirer or buyer in respect of money payable under the agreement or given by a guarantor in respect of money payable under such a contract of guarantee shall be enforceable against the hirer or buyer or the guarantor by any holder,
and if the default continues for a period of one month, the defaulter shall be liable on summary conviction to a fine not exceeding $500.