(1) The enforcement of a mortgage may be contested, unless the issuance of a mortgage certificate is excluded, if the creditor does not present the certificate; where the creditor is not entered in the Land Register, the instruments required under section 1155 likewise are to be presented.
(2) A notice of termination or a dunning letter given to the owner is ineffective if the creditor does not present the required documents as stipulated in subsection (1) and the owner rejects the notice or the dunning letter for this reason without undue delay.
(3) These provisions do not apply to the claims set out in section 1159.