In these Regulations—

• “the 1974 Act” means the Consumer Credit Act 1974;

• “agreement to aggregate” means an agreement (whether arising by conduct or otherwise) made between the creditor and the debtor—

  1. a

     concerning two or more agreements for fixed-sum credit between the creditor and the debtor where at least one such agreement is a regulated credit agreement; and

  2. b

     which permits or requires the debtor to aggregate all individual payments under the agreements mentioned in paragraph (a) and pay them at the same time; and

• “home credit loan agreement” means a debtor-creditor agreement which satisfies either or both of the following conditions—

  1. a

     the agreement provides that all or most of the sums payable by the debtor are to be collected by or on behalf of the creditor at the debtor’s home or at the home of a natural person who makes payments to the creditor on the debtor’s behalf (or, in either case, to be so collected if the debtor so wishes);

  2. b

     at the time the agreement is entered into, the debtor could reasonably expect, from representations made by or on behalf of the creditor at or before that time, that all or most of the sums payable would be collected as specified in paragraph (a) (or, in either case would be so collected if the debtor so wished).