Money & Debt: templates and forms

For someone with an account in Spain who wants a company or a person to stop taking payments from it. Two letters: to the bank, revoking that creditor's direct debit mandate (SEPA mandate) so that no further debits are paid; and to the creditor, telling them so and saying how payment will be made from now on, or why the charges are disputed. The revocation applies to debits due after the business day on which the bank receives it (article 52 of Spain's Royal Decree-Law 19/2018). Send them by burofax, by hand against a signed copy or by registered post. In Spanish.

For someone in Spain who owes money to a bank, a lender, a utility or a debt collector and wants to offer a smaller lump sum (quita) or instalments (espera) to close the debt. The letter states the amount claimed and the amount offered, the schedule, and makes everything subject to written acceptance stating that, once paid, the debt is settled, with a receipt in full and removal from bad-debtor files. Nothing is paid before that acceptance. Send it by burofax or through the creditor's written channel. In Spanish.

For a creditor in Spain who has been paid a debt (a loan, an acknowledgement, a payment agreement) and for the debtor who needs proof. With the creditor's signature, it states that the amount, in words and figures, was received as full payment or as the last instalment, and that the debt is settled with its interest and costs, with nothing more to claim (articles 1110 and 1156 of the Spanish Civil Code). It can list the documents returned and the undertaking to have bad-debtor file entries removed. The signed receipt is handed to the debtor. In Spanish.

For the holder of an account with a bank in Spain who wants to close it and not be kept waiting. The letter asks for the account to be closed and the contract ended, the balance transferred to another account, the cards cancelled, new direct debits refused and written confirmation with the final statement. It points out that the holder may close at any time, that the bank must do so within 24 hours, and that it is free if the account is open-ended or over six months old (article 32 of Spain's Royal Decree-Law 19/2018). Hand it in at the branch against a stamped copy, or send it by burofax. In Spanish.