There are a few laws that guide your rights in the credit world. If you’re not in the legal profession, you probably won’t read the text of each of these laws. You should, at a minimum, be familiar with your rights. Being aware of your rights and the responsibilities of creditors, lenders, and other businesses in the credit industry will help you know how to properly respond to issues that arise and avoid critical situations for you and your lender.
Here is the full mandatory information valid for all credit providers in Europe
You can complain to the Consumer Protection Commission (CPC) about most financial companies that violate these rights. CPC may impose a fine or penalty against the company or may refer your case to a Sector Reconciliation Committee or other Alternative Dispute Resolution Body that may recommend and require the company to make full or partial refunds within this list: