45. The Secretary of State may terminate an arrangement for the payment of mobility allowance on behalf of a beneficiary under regulation 44 on such date as he shall decide–
(a)if requested to do so by the owner of the vehicle to which the arrangement relates, or
(b)where it appears to him that the arrangement is causing undue hardship to the beneficiary and that it should be terminated before the end of any of the periods specified in regulation 44(3) or 44(4).