Any change to a document recording a credit agreement or an amended credit agreement, after it is signed by the consumer, if applicable, or delivered to the consumer, is void unless—
| (a) | the change reduces the consumer’s liabilities under the agreement; |
| (b) | after the change is made, unless the change is effected in terms of section 119(1)(c), the consumer signs or initials in the margin opposite the change; |
| (c) | the change is recorded in writing and signed by the parties; or |
| (d) | any oral change is recorded electromagnetically and subsequently reduced to writing. |
