23.—(1) A creditor may object to an application by a debtor for approval of a debt payment programme where the creditor considers that the debtor–
(a)should be sequestrated; or
(b)is in possession of heritable property with substantial unsecured value.
(2) An objection under paragraph (1) must be made within 21 days after the date of intimation (which shall be the date of posting if applicable) of a request for consent under regulation 22.