12.—(1) The competent authority may, by notice in writing served on the applicant, refuse to grant a certificate or a temporary certificate if satisfied that the applicant—
(a)has failed to meet any of the conditions in regulation 8 or 10 (as the case may be); or
(b)is not a fit and proper person to hold a certificate or temporary certificate of competence.
(2) The notice shall—
(a)give reasons for the refusal; and
(b)give details of the right of review by the competent authority against the decision.