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- Objection to a utility billA bill for electricity, water or heating that does not match actual consumption is challenged in writing with the supplier, before paying under protest or letting it reach disconnection. The objection identifies the invoice, the meter reading and the ground. Keep proof that you filed it — that is what halts further action on the account.
- Complaint about a poorly performed serviceA complaint about a service follows a different logic from one about goods: nothing is returned, and what you ask for is that the work be done again, that the defects be put right, or that the price be reduced. The document sets out what was agreed, what was delivered and which of the three you are choosing — the choice is yours and has to be stated, or the trader makes it for you.
- Dispute of an unauthorised payment transactionWhere a payment was not made or authorised by you, tell the bank at once — delay shifts the risk onto you. The dispute describes the transaction by date, amount and payee, says where the card was at that moment, and asks for the money back. File it in writing with a reference number, even if you have already phoned the call centre.
- Request for a refund for a service not performedYou paid in advance and the service was never performed — a trip cancelled, a tradesman who never came, a course that never started. The request states what was paid, when and for what, establishes that the service was not provided, and sets a period for the money to be returned. Attach the proof of payment: without it the argument turns into whether there was a payment at all.
- Complaint to the Consumer Protection CommissionThe next step when a trader does not answer a complaint or rejects it. The commission examines complaints about unfair practices and about refusals of consumer complaints. The order matters: first a complaint to the trader, then one to the commission — a complaint with no prior attempt to resolve the matter is usually sent back. Attach a copy of the complaint and of the proof of purchase.
- Complaint about faulty goodsWhen something you have bought breaks, or turns out not to be what was promised, the trader owes you a repair, a replacement or your money back — but by law the complaint has to be made in writing. This form does that: what you bought, when, what is wrong with it and what you are asking for. Keep a copy with a reference number, or proof of posting; without evidence that you made the complaint, time does not run in your favour.
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