Communications 2003 No. 19 A 307 (a) failed to comply with the terms and conditions of the individual licence ; (b) failed to comply with the provisions of this Act or its subsidiary legislation ; or (c) failed to comply with any instrument issued, made or given by the Commission. (4) The affected licensee shall be given a reasonable opportunity to make written submissions to the Commission within a time period specified in the notice and such time period shall not be less than 14 days from the date of the notice. (5) The affected licensee may within the time period specified in the notice submit a written submission and the Commission shall consider the submission. 44.—(1) A licensee may, by written notice, surrender his individual licence to the Commission at any time or in accordance with the requirements set out in the individual licence. Surrender of individual licence. (2) The surrender shall take effect on the date the Commission receives the individual licence and the notice-under subsection (1) of this section, or where a latter date is specified in the notice, on that date. (3) The surrender of an individual licence shall be irrevocable unless it is expressed to take effect on a later date and before that date the Commission by notice in writing to the licensee allows the surrender to be withdrawn. 45.—(1) The Commission may, by declaration suspend or revoke an individual licence granted under this Act in any of the following circumstances— (a) the licensee has failed to pay any amount or fine required by or imposed pursuant to this Act or the individual licence ; Suspension or revocation of individual licence. (b) the licensee has failed to comply with the provisions of this Act or its subsidiary legislation or the terms and conditions of the individual licence ; (c) the licensee has contravened the provisions of any other written law relevant to the communications industry ; (d) the licensee has failed to comply with any instrument issued, made or given by the Commission ; (e) if the licensee— (i) is unable to pay its debts within the meaning of that expression as defined in the Companies and Allied Matters Act, (ii) enters into receivership or liquidation, (iii) takes any action for its voluntary winding-up or dissolution or enters into any scheme of arrangement (other than in any such case for the purpose of reconstruction or amalgamation upon terms and within such period as may previously have been approved in writing by the Commission) or if any order is made by a competent court or tribunal for its compulsory winding-up or dissolution ; or (f) the suspension or revocation is in the public interest. (2) Notwithstanding any contrary provision in this Act, an individual licence may be suspended or revoked under subsections (1)(a), (b), (c) or (d) of this section only after— Cap. 59 LFN 1990.