(1) A creditor may not engage in a pattern or practice of using multiple agreements to obtain a higher finance charge than would otherwise be permitted by the provisions of the article on finance charges and related provisions (article 2).

(2) The excess amount of finance charge provided for in this section is an excess charge for the purposes of the provisions on rights of parties (Kan. Stat. Ann. § 16a-5-201, and amendments thereto) and the provisions on civil actions by administrator (Kan. Stat. Ann. § 16a-6-113, and amendments thereto).