credit-impaired customer

131a customer who:

1. (a) within the last two years has owed overdue payments, in an amount equivalent to three months' payments, on a mortgage or other loan (whether secured or unsecured), except where the amount overdue reached that level because of late payment caused by errors by a bank or other third party; or
2. (b) has been the subject of one or more county court judgments, with a total value greater than £500, within the last three years; or
3. (c) has been subject to an individual voluntary arrangement or bankruptcy order which was in force at any time within the last three years.