(1) The amounts of the following items are not included in the total charge for credit in relation to an agreement: -
(a) any charge payable under the transaction to the creditor upon failure by the debtor or a relative of his to do or to refrain from doing anything which he is required to do or to refrain from doing, as the case may be;
(b) any charge -
(i) which is payable by the creditor to any person upon failure by the debtor or a relative of his to do or to refrain from doing anything which he is required under the transaction to do or to refrain from doing, as the case may be, and
(ii) which the creditor may under the transaction require the debtor or a relative of his to pay to him or to another person on his behalf;
(c) any charge relating to an agreement which is an agreement to finance a transaction of a description referred to in paragraph (a) or (b) of section 11(1) of the Act, being a charge which would be payable if the transaction were for cash;
(d) any charge (oth