(b) A principal creditor shall have no civil liability under this article if, within fifteen days either after discovering a violation which is able to be cured, or after the receipt of a written notice of such violation, the principal creditor notifies the debtor of the violation, and makes whatever adjustments or corrections are necessary to cure the violation with respect to the debtor.
(c) No principal creditor shall be deemed to have violated the provisions of this article, if such person, firm, partnership, association or corporation shows by a preponderance of the evidence that the violation was not intentional and resulted from a bona fide error made notwithstanding the maintenance of procedures reasonably adopted to avoid such error.