3. In regulation 11(2) of the Social Security (Payments on account, Overpayments and Recovery) Regulations 1988(1) (recovery of overpayments by automated or other direct credit transfer), for sub-paragraph (b), substitute—
“(b) notice of the effect which this regulation would have, in the event of an overpayment, was given to the beneficiary or to a person acting for him—
(i)in writing, where the claim was made in writing; or
(ii)either orally or in writing, where the claim was made by telephone
before he agreed to the arrangement.”.