You have rights to clear information about financial products, fair treatment from regulated firms, and support if you are in financial difficulty or have a vulnerability that affects how you manage money. You can ask lenders and providers to explain charges, review affordable repayment options and tell you how to complain. You can also request access to personal information held about you and challenge inaccurate credit-report entries. Rules vary by organisation and circumstances, so check the FCA’s guidance, contact MoneyHelper, or speak to an appropriately regulated adviser for personalised help.