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- Disputing a payment reminder or a debt collector's claim (Italy)For anyone in Italy who receives a payment reminder – often from a debt collection agency, for an old, unknown or already paid debt – and wants to dispute it in writing. The letter, in Italian under Italian law, states the chosen ground (debt not recognised, already paid or time-barred), asks for the documents proving the debt and the agency's standing, including any assignment of the debt (article 1264 of the Italian Civil Code), and for access to your personal data (article 15 GDPR). Send it by registered post or by PEC.
- Written complaint to a bank (Italy)A complaint to the bank costs nothing, and many banks have an online form or a PEC address for their complaints office. This letter, in Italian under Italian law, is for writing it yourself: it describes the problem – an undue charge, an unexpected cost, a service not provided – states what you ask for and, if needed, copies of documents (article 119(4) of the Italian Consolidated Banking Act). It is the step that opens a claim to the Arbitro Bancario Finanziario, filed online for a €20 fee. Send it by registered post or by PEC.
- Two-year limitation defence on an electricity, gas or water bill (Italy)For a household, micro-business or professional customer in Italy who receives an electricity, gas or water bill for consumption more than two years old, often a balancing bill. Many suppliers have a free form for raising limitation; this letter, in Italian under Italian law, does the same in writing: it identifies the bill and the amount, raises the two-year limitation (law no. 205/2017), asks for a corrected bill and announces payment of the part not time-barred. Send it by registered post or by PEC.
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