6. In regulation 20—
(a)in paragraph (4), before “Where the Authority” insert “Subject to paragraphs (6), (6A) and (9)”;
(b)in paragraph (6), after “the Authority must” insert “subject to paragraph (6A)”;
(c)after paragraph (6), insert—
“(6A) Where an amount of £5 or less was not required to repay the student loan which is not a post-2012 student loan and which was a repayment above the repayment threshold for the student loan which is not a post-2012 student loan and not above the repayment threshold for a post-2012 student loan, this amount shall be treated as a direct payment to the Authority under regulation 15(1) for the post-2012 student loan and the Authority is not required to give a notice to the borrower.”; and
(d)after paragraph (8), insert—
“(9) On or after 6 April 2016, where a borrower has any liability to repay only a post-2012 student loan and has—
(a)failed to declare whether or not any liability solely relates to a post-2012 student loan under regulation 43(2); or
(b)failed to inform their employer whether or not any liability solely relates to a post-2012 student loan under regulation 43A,
any repayment above the repayment threshold for a student loan which is not a post-2012 student loan and not above the repayment threshold for a post-2012 student loan, shall be treated as a direct payment to the Authority under regulation 15(1).”