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- Termination of supplementary or other insurance (Switzerland)For policyholders in Switzerland: terminates a supplementary health, household, liability, legal-protection or other policy under the Insurance Contract Act (VVG) — ordinarily after three years with three months' notice (Art. 35a VVG), on the date the conditions allow, after a premium increase or for good cause (Art. 35b VVG), else on the next possible date. Basic health insurance needs a separate letter. Send it by registered post. Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Cancellation of a gym membership or subscription, in Italian (Switzerland)For members and subscribers in Switzerland, in Italian: cancels a gym membership or other subscription at the end of its term, with the contractual notice period, because of a price increase, or for good cause such as illness, pregnancy or a move; it objects to any tacit renewal and asks for prepaid fees back pro rata. In Ticino the consumer association ACSI offers its members model letters for gyms and subscriptions. Send it by registered post and ask for confirmation.
- Termination of supplementary or other insurance, in Italian (Switzerland)For policyholders in Switzerland, in Italian: terminates a supplementary health insurance, a household, liability, legal-protection or other insurance under the Insurance Contract Act — ordinarily after three years with three months' notice (Art. 35a LCA/VVG), on the date the policy conditions allow, because of a premium increase, or for good cause (Art. 35b), else on the next possible date. Basic health insurance (LAMal/KVG) is terminated with a separate letter. Send it by registered post.
- Demand for unpaid wages or overtime (Switzerland)For employees in Switzerland whose employer owes them wages, overtime or pay during illness: a written demand for payment listing the amounts, with the total, a deadline and the account. Overtime with the 25% supplement (Art. 321c para. 3 CO), pay during illness on your canton's court scale (Art. 324a CO), 5% default interest and a written pay statement (Art. 323b CO). Items left blank are dropped. Send it registered; conciliation that may follow is free of court costs up to CHF 30'000.00. Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Demand to release your rent deposit — to the landlord, or to the bank after a year (Switzerland)For tenants who have left a rented flat in Switzerland: the letter claiming back the rent deposit (Mietzinsdepot, Art. 257e of the Code of Obligations, CO). You choose who receives it: the landlord, asked to consent to the bank releasing the money, or the bank directly once a year has passed since the lease ended without the landlord pursuing a claim. It names the bank, the account, the amount, your IBAN and a reply date. Print, sign and send it registered. Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Reply to a collection agency: contest the debt and the charges (Switzerland)For private persons in Switzerland who received a letter from a collection agency (Inkassobüro, société de recouvrement, agenzia d’incasso): contests the claim in whole or part, reports it paid or pleads limitation, refuses collection fees and a flat “damage for delay” that were never agreed, and asks for a breakdown with documents. If a payment order from the debt collection office follows, object within ten days. Send it by registered post and keep a copy. Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Reply to a collection agency: contest the debt and the charges, in Italian (Switzerland)For private persons in Switzerland who received a letter from a collection agency (agenzia d’incasso), in Italian: contests the claim in whole or part, reports it paid or pleads limitation, refuses collection fees and a flat “damage for delay” that were never agreed, and asks for a breakdown with documents. If a payment order (precetto esecutivo) from the debt collection office follows, object within ten days. Send it by registered post and keep a copy.
- Resignation letter, in Italian (Switzerland)A resignation letter in Italian for employees in Switzerland, for example in Ticino: ends the employment with the contractual or statutory notice period (Art. 335c CO), or during probation with seven days or the period agreed in writing (Art. 335b CO), on the date you choose or else the next possible date. It asks for confirmation, a work certificate, the final pay with the salary certificate, and settles remaining holiday. The Code of Obligations requires no form, though contracts and collective agreements often do: print, sign, and send it registered or hand it over against a receipt.
- Cancellation of a mobile or internet contract, in Italian (Switzerland)For customers in Switzerland, in Italian: cancels a mobile, internet, TV or landline contract at the end of the minimum term, with the contractual notice period, because of an announced price or contract change, or for good cause, and asks for written confirmation and how to return equipment. Notice periods and minimum terms come from the contract and terms, not from a statute. Send it by registered post; in a dispute the telecom conciliation body ombudscom can step in.
- Final demand before debt enforcement (Switzerland)For creditors in Switzerland, private persons and businesses, who deal with the debtor in English: asks the debtor one last time to pay a due claim by a date, states the reason, the amount, the account and 5 % default interest (Art. 104 CO), and otherwise announces debt enforcement (Betreibung, poursuite, esecuzione). You then file the request on the debt collection office's form or through EasyGov.swiss, in the office's language; this letter does not replace it. Send it by registered post and keep a copy. Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Demand for unpaid wages or overtime, in Italian (Switzerland)For employees in Switzerland, in Ticino for instance, whose employer owes them wages, overtime or pay during illness, in Italian: a written demand for payment listing the amounts, with the total, a deadline and the account. Overtime with the 25% supplement (Art. 321c para. 3 CO), pay during illness on your canton's scale (Art. 324a CO), 5% default interest and a written pay statement (Art. 323b CO). Items left blank are dropped. Send it by registered post; the conciliation that may follow is free of court costs up to CHF 30'000.00.
- Cancellation of a gym membership or subscription (Switzerland)For members and subscribers in Switzerland: cancels a gym membership or other subscription at the end of its term, with the contractual notice period, because of a price increase, or for good cause such as illness, pregnancy or a move; it objects to any tacit renewal and asks for prepaid fees back pro rata. Consumer organisations offer free or members' model letters. Send it by registered post. Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Cancellation of a mobile or internet contract (Switzerland)For customers in Switzerland: cancels a mobile, internet, TV or landline contract at the end of the minimum term, with the contractual notice period, because of an announced price or contract change, or for good cause, and asks for written confirmation and how to return equipment. The periods come from the contract and the provider's terms, not from a statute. Send it by registered post; ombudscom mediates disputes. Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Final demand before debt enforcement, in Italian (Switzerland)For creditors in Switzerland, private persons and businesses, in Italian: asks the debtor one last time to pay a due claim by a date, states the reason, the amount, the account and 5 % default interest (Art. 104 CO), and otherwise announces the request for enforcement (domanda d’esecuzione). You then file that request with the debt collection office, on its form, through www.sportellodelleesecuzioni.ch or EasyGov.swiss; this letter does not replace it. Send it by registered post and keep a copy.
- Demand for unpaid wages or overtime, in French (Switzerland)For employees in French-speaking Switzerland whose employer owes them wages, overtime or pay during illness, in French: a written demand for payment listing the amounts, with the total, a deadline and the account. Overtime with the 25% supplement (Art. 321c para. 3 CO), pay during illness on your canton's scale (Art. 324a CO), 5% default interest and a written pay statement (Art. 323b CO). Items you leave blank are dropped. Send it by registered post; the conciliation that may follow is free of court costs up to CHF 30'000.00.
- Reply to a collection agency: contest the debt and the charges, in French (Switzerland)For private persons in Switzerland who received a letter from a collection agency (société de recouvrement), in French: contests the claim in whole or in part, reports it paid or pleads limitation, refuses collection fees and a flat “damage for delay” that were never agreed, and asks for a breakdown with supporting documents. If a payment order from the debt collection office follows, object (opposition) within ten days. Send it by registered post and keep a copy.
- Demand for unpaid wages or overtime, in German (Switzerland)For employees in Switzerland whose employer owes them wages, overtime or pay during illness, in German: a written demand for payment with a breakdown, total, deadline and bank account. Overtime with the 25% supplement (Art. 321c para. 3 CO), pay during illness on your canton's court scale (Art. 324a CO), 5% default interest and a written pay statement (Art. 323b CO). Items you leave blank are dropped. Send it by registered post; the conciliation procedure that may follow is free of court costs up to CHF 30'000.00.
- Reply to a collection agency: contest the debt and the charges, in German (Switzerland)For private persons in Switzerland who received a letter from a collection agency (Inkassobüro), in German: contests the claim in whole or part, reports it paid or pleads limitation, refuses collection fees and a flat “damage for delay” that were never agreed, and asks for a breakdown with documents. If a payment order from the debt collection office follows, object (Rechtsvorschlag) within ten days. Send it by registered post and keep a copy.
- Resignation letter (Switzerland)A resignation letter in English for employees in Switzerland whose employer works in English: notice ending the employment with the contractual or statutory period (Art. 335c CO), or during probation seven days or the period agreed (Art. 335b CO), on the date you choose or else the next possible date, asking for confirmation, a reference (Arbeitszeugnis), the final pay and salary certificate (Lohnausweis), and settling remaining holiday. Send it by registered post or hand it over against a receipt. Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Tenant's notice to end a residential lease (Switzerland)For tenants of a flat in Switzerland who deal with their landlord in English: the written notice ending the lease (Art. 266l para. 1 of the Code of Obligations, CO), with three months' notice to the lease's termination date, else to a local date (Art. 266c CO), and to the next possible date if the chosen one is missed. It has lines for every tenant and for the express consent of a spouse or registered partner where the flat is the family home (Art. 266m CO). Print, sign and send by registered post (Einschreiben). Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Early return of a rented flat with a replacement tenant (Switzerland)For tenants in Switzerland who move out before the termination date: the letter to the landlord announcing the early return of the flat and proposing a replacement tenant (Nachmieter) who is solvent and willing to take over the lease on the same terms (Art. 264 of the Code of Obligations, CO). It gives the return date and the candidates, asks for an answer by a date and lists the documents enclosed. Print, have every tenant sign and send by registered post. Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Notice to change your basic health insurer for 1 January (Switzerland)For people insured in Switzerland, in English: terminates the compulsory basic health insurance (Grundversicherung) after the new premium is announced, for 31 December (Art. 7 para. 2 KVG), or with three months' notice for the end of June or December, for you and children insured with you; it names your new insurer and leaves supplementary insurance running. To change on 1 January, it must reach the insurer by 30 November. The Federal Office of Public Health offers free German, French and Italian model letters on priminfo.admin.ch. Swiss authorities and courts work in their official language — German, French or Italian — so this English version is for dealings between private parties.
- Handing back a rented flat early with a new tenant, in Italian (Switzerland)For tenants in Switzerland moving out before the lease can be ended: the letter telling the landlord that the flat will be handed back early and putting forward a new tenant who is solvent and ready to take over the lease on the same terms (Art. 264 of the Code of Obligations, CO). It states the handover date and the candidates, gives the landlord a date to answer by and lists what is enclosed. Print it, have every tenant sign it and post it registered. In Italian.
- Tenant's notice to end a rented flat, in Italian (Switzerland)For people renting a flat in Switzerland who want to leave it: the written notice to the landlord or managing agency (Art. 266l para. 1 of the Code of Obligations, CO), giving three months' notice to the date in the lease, or else to a local termination date (Art. 266c CO), and taking effect on the following date if the chosen one is missed. Every tenant signs, and where the flat is the family home so does the spouse or registered partner (Art. 266m CO); the letter also asks for a handover date and the release of the rent deposit. Print it, sign it and post it registered. In Italian.
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