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(1) The repayment of loans granted under this Law to a borrower who is not a contributor to the Social Security and Pensions Scheme (hereafter in this Law referred to as a "non-contributor") shall be effected by deduction monthly from the remuneration of the non-contributor-

(a) by his employer where the non-contributor is not employed; and

(b) where the non-contributor is self-employed by the non-contributor himself.

(2) The deductions referred to in subsection (1) shall be remitted to the Trust within fifteen days after the deduction is made.

(3) If any non-contributor fails to pay any sum due and payable under the Scheme, the Trust may take legal proceedings to recover it.

(4) Notwithstanding anything in this Law or in any agreement, where a non-contributor without lawful excuse (proof of which shall be on him) falls in arrears with instalments of repayments for more than six consecutive months, the whole or the remainder of the loan shall become due and payable and the Trust may take legal action to recover it.

(5) Without prejudice to the other provisions of this section, and without prejudice to any criminal penalty that may be imposed, any employer who is required to deduct any sum from the remuneration of a non-contributor and to pay the sum to the Trust under this section may be sued by the Trust for the recovery from him of any sums which he has failed to deduct and pay.

(6) The rights conferred on the Trust by this section does not derogate from any other rights of the Trust.