credit provider or any other person (whether to the debtor or to another person)—a charge is or may be made for the provision of credit in respect of which the annual percentage rate exceeds fourteen per centum; or (b) where credit is or may be provided to the debtor by the credit provider in respect of payment for goods or services supplied by the credit provider or any other person (whether to the debtor or to another person)— (i) a charge, other than an account charge, is or may be made for the provision of credit; (ii) an amount, other than an account charge, owing at any time by the debtor is not required to be paid within the period of four months after it is first owed; or (iii) an amount, other than an account charge, owing at any time by the debtor is or will become payable by five or more instalments or by a deposit and four or more instalments. (2) This Part does not apply to a continuing credit contract under which— (a) where credit is or may be provided to the debtor by way of the supply of cash by the credit provider or any other person (whether to the debtor or to another person)—a charge is or may be made for the provision of credit in respect of which, where the payment of a debt or other pecuniary obligation or the performance of any other obligation under the continuing credit contract is secured by a mortgage of land—there is an acceptable rate
credit provider or any other person (whether to the debtor or to another person)—a charge is or may be made for the provision of credit in respect of which the annual percentage rate exceeds fourteen per centum; or (b) where credit is or may be provided to the debtor by the credit provider in respect of payment for goods or services supplied by the credit provider or any other person (whether to the debtor or to another person)— (i) a charge, other than an account charge, is or may be made for the provision of credit; (ii) an amount, other than an account charge, owing at any time by the debtor is not required to be paid within the period of four months after it is first owed; or (iii) an amount, other than an account charge, owing at any time by the debtor is or will become payable by five or more instalments or by a deposit and four or more instalments. (2) This Part does not apply to a continuing credit contract under which— (a) where credit is or may be provided to the debtor by way of the supply of cash by the credit provider or any other person (whether to the debtor or to another person)—a charge is or may be made for the provision of credit in respect of which, where the payment of a debt or other pecuniary obligation or the performance of any other obligation under the continuing credit contract is secured by a mortgage of land—there is an acceptable rate