home credit loan agreement

34a regulated credit agreement which is a borrower-lender agreement and which either:

1. (a) provides that all or most of the sums payable by the customer are to be collected by, or on behalf of, the lender at the customer's home or at the home of a natural person who makes payment to the lender on the customer's behalf (or, in either case, to be so collected if the customer so wishes); or
1. (b) at the time the agreement is entered into, the customer could reasonably expect, from representations made by, or on behalf of, the lender at or before that time, that all or most of the sums payable would be so collected (or, in either case, would be collected as specified in (a) if the customer so wished).