12.—(1) For regulation 21(1) (debtors who may apply for approval) substitute—
“(1) Subject to paragraphs (2) and (3), a debtor may apply for approval of a debt payment programme—
(a)in the case of an individual debtor, where the programme provides for the payment of one or more debts; or
(b)in the case of any other debtor, where the programme provides for the payment of two or more debts.”.
(2) In regulation 22(3) (joint debt payment programme), after ““debtor”” insert “(including to a debtor who is an “individual” or “individuals”)”.