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A debtor-creditor-supplier agreement is a regulated consumer credit agreement being—
(a) a restricted-use credit agreement which falls within section 11(1)(a), or
(b) a restricted-use credit agreement which falls within section 11(1)(b) and is made by the creditor under pre-existing arrangements, or in contemplation of future arrangements, between himself and the supplier, or
(c) an unrestricted-use credit agreement which is made by the creditor under pre-existing arrangements between himself and a person (the "supplier ") other than the debtor in the knowledge that the credit is to be used to finance a transaction between the debtor and the supplier.