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- Letter to a landlord about the electricity and water tariff (Malta)For a tenant in Malta charged a higher water and electricity tariff because the landlord has not declared the people living in the property. The letter asks the landlord, under article 17 of the Private Residential Leases Act, to acknowledge the number of residents for the correct tariff and to give you access to the account, and claims back the extra you paid, which the Act lets you keep back from the rent. It can also say that a fixed utility charge in the lease has no effect. Send it by registered letter and keep the receipt.
- Refund demand after a failed repair (Malta)For a consumer in Malta whose faulty goods were repaired or replaced and still do not work, or whose seller refused or delayed the repair. Under Part X of the Consumer Affairs Act (Cap. 378) you may then ask for a proportionate price reduction, or end the contract and get the price back. The letter sets out the repairs already tried, makes your choice and gives the seller 14 days before you turn to the MCCAA or the Consumer Claims Tribunal. Send it by registered letter and keep the post office receipt.
- Flight delay or cancellation compensation claim (Malta)For a passenger whose flight arrived three hours or more late, was cancelled with less than 14 days' notice, or who was denied boarding, on a flight covered by Regulation (EC) No 261/2004: every flight from an EU airport, and flights into the EU on an EU airline. The letter claims the fixed compensation — €250, €400 or €600 per passenger, by distance — from the airline that operated the flight. The airline's own claim form and the EU complaint form are free and do the same job. Send it by registered letter and keep the post office receipt.
- Petition against a traffic fine (Malta)For a driver or vehicle owner in Malta who received a warden's or traffic contravention notice they believe is wrong: a written petition to the Petitions Board, giving the notice number, the vehicle, the grounds and the evidence, and asking for the contravention to be cancelled; if the Board refuses, the charge goes before the Commissioner for Justice. The online petition of the Local Enforcement System Agency (LESA) is free; this text can be pasted in or sent by registered letter.
- Motor insurance claim letter (Malta)For a driver or vehicle owner in Malta claiming for damage after a road accident, either from the insurer of the vehicle that caused it or under their own policy: a letter setting out the accident, the vehicles, the damage and the amount, with the evidence, and asking for a reasoned offer or reply within the three months that Cap. 104 sets for third-party claims. Send it by registered letter with a copy by email, and keep the post office receipt.
- Complaint about a water or electricity bill (Malta)For a household in Malta that disputes a water or electricity bill from ARMS Ltd: an estimated reading, a wrong tariff, a charge already paid or a service not supplied. The letter sets out the bill, what is wrong and what you ask for — a corrected bill and a refund or credit — and asks for a written answer. Complain to ARMS first; if it does not resolve the complaint, the Regulator for Energy and Water Services (REWS) takes complaints free. Send it by email and keep a copy.
- Demand for return of a rent deposit (Malta)For a tenant in Malta who has moved out and is still waiting for the deposit. The letter to the landlord gives the date the lease ended and the date the keys were handed back, asks for the deposit within 14 days or a written list of any deduction with the reason and evidence for each, and says which deductions you dispute. The next step it names is the Adjudicating Panel for Private Residential Leases, for claims up to €5,000 on a registered lease. Send it by registered letter and keep the post office receipt.
- Complaint to a bank or financial firm before the Arbiter (Malta)For a customer in Malta with a complaint against a bank, insurer, payment or investment firm: a wrong charge, a refused claim, a transfer gone astray, poor service. The letter is the written complaint the firm must receive first, and asks for a final response within 15 working days. Send it within two years of first knowing of the matter: the Arbiter for Financial Services hears only complaints made to the firm in that time. If the answer does not satisfy you, or none comes, you can then take the complaint to the Arbiter through its online form. Send it by email and keep a copy.
- Chargeback request to a card issuer (Malta)For someone in Malta who paid by debit or credit card and did not get what they paid for — goods never delivered, faulty or not as described, a refund never paid, a payment taken twice — and could not settle it with the trader. The letter asks the card provider to raise a chargeback under the card scheme's rules and to answer in writing. Many providers have a free online dispute form that does the same job; ask the trader first.
- Complaint about faulty goods (Malta)For a consumer in Malta whose goods from a shop or online seller turn out faulty or not as agreed. Under Part X of the Consumer Affairs Act (Cap. 378) the seller answers for a lack of conformity that appears within two years of delivery, and you tell it within two months of noticing. The letter describes the fault, asks for a free repair or replacement and gives the seller 14 days to answer before you turn to the MCCAA or the Consumer Claims Tribunal. Send it by registered letter and keep the post office receipt.
- Package holiday complaint (Malta)For a traveller whose package holiday — transport and accommodation, or other travel services, sold together — was not as booked. The letter tells the organiser that it is responsible for every service in the package under the Package Travel and Linked Travel Arrangements Regulations (S.L. 409.19), and claims a price reduction and compensation, with a total and 14 days to reply. The Malta Competition and Consumer Affairs Authority (MCCAA) explains package holiday rights free of charge. Send it by registered letter and keep the post office receipt.
- Letter to an employer about unpaid wages (Malta)For an employee or former employee in Malta whose wages, leave pay or statutory bonuses have not been paid: a letter to the employer that lists what is owed, month by month, cites the Employment and Industrial Relations Act (Cap. 452) on when wages are due, and sets a date for payment before a free complaint to the Department for Industrial and Employment Relations (DIER). Send it by registered letter with a copy by email, and keep the post office receipt.
- Letter asking a landlord for repairs (Malta)For a tenant in Malta whose rented home has a defect the landlord should put right: a structural problem such as a leaking ceiling or a cracked wall, a fault that stops you using the property properly, a water or electricity supply problem, or something the lease puts on the landlord, such as a broken appliance listed in the inventory. It describes the defect and when it appeared, asks for the repair within 14 days, offers access, and names the Adjudicating Panel as the next step. Send it by email.
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