14(1)An owner, contractor or subcontractor who is required to make a payment under section
10,
12 or
13 may give as a reason for non-payment the retention of an amount that is, as between the owner, contractor or subcontractor, as the case may be, and the contractor or subcontractor to whom they are required to make a payment, equal to the balance in the favour of the owner, contractor or subcontractor of all outstanding debts, claims or damages that are related to the contract under which the proper invoice was given or related to a subcontract for the supply of services or materials that were included in the proper invoice, as the case may be, or, if the contractor or subcontractor to whom the owner, contractor or subcontractor is required to make a payment becomes insolvent, equal to the balance of all outstanding debts, claims or damages whether or not they are related to the contract under which the proper invoice was given or related to a subcontract for the supply of services or materials that were included in the proper invoice, as the case may be.