Notice & Demand: templates and forms

A written cancellation, sent to a bank in Cyprus, of a standing order or a direct debit from your account. It names the account, the payee and the mandate or reference number, asks that nothing be debited from the date you set and that the cancellation be confirmed in writing, and is copied to the payee, because a direct debit mandate is cancelled with the payee too. An authorised direct debit can be refunded if asked within 8 weeks, and an unauthorised one within 13 months.

A written request from the account holder to a bank in Cyprus to end the account agreement and close a bank account. It gives the account's IBAN, the closing date and the account the balance goes to, and asks the bank to cancel the cards and end standing orders and direct debits, refund prepaid fees pro rata and confirm the closure in writing. The Payment Services Directive, in force in Cyprus through Law 31(I)/2018, lets a consumer end the agreement at any time, with at most one month's notice.

The letter by which an account holder in Greece closes the account and ends the framework agreement with the bank: the account, the closing date, the account to receive the balance, cancelling cards, standing orders and direct debits, a pro-rata refund of fees paid in advance, and written confirmation. It rests on Law 4537/2018, which transposed the EU Payment Services Directive; the letter asks for closing on the date chosen or when the notice period in the contract ends, if that is later.

An out-of-court notice (εξώδικη δήλωση) in which a consumer in Greece sets out a complaint about a mobile, landline, internet or TV service and ends the contract. It relies on the rules of Law 4727/2020: an initial commitment of at most 24 months, termination after it with at most a month's notice, and termination free of charge when the provider changes the terms unilaterally. A court bailiff serves it, so the date from which the termination runs cannot be disputed. For money disputes the next step is Greece's consumer authority, not the telecoms regulator EETT.

An out-of-court notice (εξώδικη δήλωση) by which a consumer leaves a gym under the special rules of Greek ministerial decision Ζ1-1262/2007: withdrawal within 30 days of receiving the contract, or termination at any time. It asks for the money for the unused part of the programme back within 30 days — on termination after the first 30 days the gym may keep at most 2.5%, and only if the contract says so — and stops recurring charges. A court bailiff serves it, so the date is proven. A generic 'cancel with notice' letter would give all of this away.

The seller's letter to their motor insurer in Greece after the car's digital transfer. A Greek policy neither passes to the buyer nor needs cancelling: it lapses by law 30 days after ownership or possession of the car passes (art. 8(2) of Presidential Decree 237/1986), and the insurer must return the unearned premium for the rest of the period. The letter identifies the policy and the vehicle, gives the dates of handover and transfer with the gov.gr certificate, and asks for the refund to an IBAN and for written confirmation of when cover ended.

The out-of-court notice (εξώδικη δήλωση) by which a tenant in Greece terminates a residential lease. Greek law gives a tenant no right to leave early, and one who leaves without cause owes rent to the end of the term; so the notice relies on the lease's early-exit clause, on serious cause (Civil Code 585, 588), on Article 609 for an open-ended lease after three years, or on the end of the agreed term, and otherwise stands as an offer to end the lease by agreement. It sets the end and handover dates, asks for the deposit back, and is served by a court bailiff, whose report proves what was said and when.

A Cypriot subscriber's letter complaining to a mobile, landline, broadband or pay-TV provider and ending the contract: after the initial commitment period, because the provider changed the terms, because of repeated poor service, or early, with a request for a breakdown of any charge. It asks for billing to stop, arranges the return of equipment and warns of a referral to the Office of the Commissioner of Electronic Communications and Postal Regulation (OCECPR).

The out-of-court notice (εξώδικη δήλωση) by which someone in Greece revokes an authorisation or power of attorney they gave: it describes the authority, revokes it from service, asks for the original back and an account, and names the third parties being told. Under the Greek Civil Code the authority ends on a revocation declared to the agent or the third party (arts. 218–219), so proof matters: a court bailiff (δικαστικός επιμελητής) serves it, and the report of service proves content and date. A notarial power of attorney is revoked only by notarial deed (art. 220); the notice is then served together with the notary's deed.

The letter by which an account holder in Greece stops a standing order or a direct debit: the account, the payee, the mandate reference and the date the revocation takes effect. Under Law 4537/2018 a payment made after consent is withdrawn is unauthorised, and the bank refunds it. The letter works even if it arrives too late for the next debit: it then counts for all later ones. The contract with the supplier is not ended by it.

A gym member's written notice in Cyprus ending the membership: under the contract's termination clause, at the end of the term without renewal, for health reasons or a move, because the gym no longer provides what was agreed, or by withdrawing within 14 days when the membership was bought online. It asks for card or direct debit charges to stop and for anything prepaid to be refunded, and refuses any penalty the contract does not clearly provide for.

The notice by which a consumer in Greece withdraws from a purchase made online, by phone or away from the shop, doorstep sales included, within 14 calendar days and without giving a reason (Law 2251/1994, art. 3ε). It goes further than the model form in the Act's annex: it identifies the order, asks for every payment back, standard delivery included, within 14 days, gives the IBAN for the refund and announces the return of the goods.

A Greek landlord's out-of-court notice (εξώδικη δήλωση) ending a residential lease and calling on the tenant to hand the home back: for unpaid rent (Article 597 of the Greek Civil Code), at the end of the agreed term, or ending an open-ended lease after three years (Article 609). It is the gateway to a repossession order (Code of Civil Procedure 637), issued by a lawyer since 2026, and counts only if served by a court bailiff — letters and e-mail do not. For unpaid rent it demands payment within 15 days; for the end of the term it must be served at least three months ahead.

A Cypriot landlord's written notice of a new rent for a home, with the current and new amounts and the date it applies from, and room for the tenant to accept. It is written for three cases: an increase the lease provides for; an increase in a statutory tenancy under the Rent Control Law, once every two years, up to the capped percentage, which is 6% for 22 April 2025 – 21 April 2027, or more where the rent is below 90% of the average for the area, and, if the tenant does not accept it, by order of the Rent Control Court; or a new rent as a condition of renewal, which applies only if the tenant accepts it.

The written notice by which a tenant of a home in Cyprus ends the tenancy: under the lease's break clause, with the notice an open-ended tenancy requires, at the end of the agreed term, or as an offer to end it by agreement where the lease gives no other way out. It sets the end date and the date the home is handed back, asks for the deposit to be returned to a bank account, and is sent by registered post or by hand, so that what was sent and when can be proved.

A Cypriot landlord's written notice ending the tenancy of a home and demanding possession back: at the end of the agreed term, with the notice an open-ended tenancy requires, or for unpaid rent, with 21 days to pay. It is written for both regimes: in a statutory tenancy, the notice of arrears is the one the Rent Control Law requires before an application to the Rent Control Court; in any other, it opens the way to the District Court.

The letter by which an employee in Cyprus resigns and ends the employment contract. It states the notice in weeks and the last working day, asks for the sums due with the final pay and for a certificate of employment, and leaves room for the employer to sign for receipt. Under the Termination of Employment Law the employee owes less notice than the employer: one week after 26 weeks' service, two after 52 and three after 260, and none during probation.

A written demand by an employee or former employee in Cyprus to the employer for wages that have not been paid: the job, the salary, the unpaid periods and the amount owed, with seven days to pay into a bank account, the documents attached and a request for a written reply within 14 days. It warns that, if unpaid, a written complaint to the Department of Labour Relations under the Protection of Wages Law and a claim before the Labour Disputes Court will follow, or, above two years' wages, before the District Court, for which it is also the letter of claim the Civil Procedure Rules require. It is sent by registered post or by hand.