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For closing a current account or a savings account at a French bank. If you are moving to another bank, its free account-switching service (aide à la mobilité bancaire) can do it for you. Otherwise this letter, in French under French law, asks for the account to be closed and the card, chequebook and overdraft ended, the balance transferred to the account you choose and a closing statement sent. Closing is free (article L. 312-1-7 of the French Monetary and Financial Code). Send it by registered post or hand it in at the branch.

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 a parent, or an adult pupil, who needs a certificate of school attendance (for the CAF, an employer, a grant body), a leaving certificate after a move, the transfer of the school file to the new school, or a copy of the school report book. The certificate is often a free download from the school's digital workspace (ENT), and the report book from ÉduConnect: check there first. In French, the letter to the head identifies the pupil, the document wanted and who it is for.

The application to the registration authority (Meldebehörde) to block your address from register enquiries (§ 18(2) of Austria's Registration Act, MeldeG): without a block, anyone who knows your name and a few other details can obtain your address. The block must be granted where you show a protectable interest to be credible — stalking, violence, threats or a well-founded fear of revenge, for instance — and lasts up to five years, even after you deregister. With your reasons, evidence and any children under 18. In German, ready to print and sign.

The letter to the German tax office (Finanzamt) that returns a business to the small-business scheme of § 19 of the German VAT Act (UStG) after it had waived the scheme and charged VAT. The waiver binds for at least five calendar years and can then be revoked only from the start of a later calendar year. The letter names the year of the waiver and the year from which the scheme should apply again, and states that turnover stays within the €25,000 and €100,000 limits. Germany has no ‘VAT deregistration’: this is the route. In German.

The data processing agreement (Auftragsverarbeitungsvertrag, AVV) every business in Germany needs when a service provider processes personal data for it — hosting, cloud software, payroll, newsletters, IT support. It contains everything Art. 28(3) GDPR requires: subject-matter, duration, nature and purpose, types of data and data subjects, instructions, confidentiality, security, sub-processors, assistance, deletion or return, information and audits, with annexes for the technical and organisational measures and the sub-processors. Free models from supervisory authorities and the European Commission also exist. In German.

A contract between a business and a self-employed freelancer in Germany — in design, copywriting, programming, consulting or media, for example — granting usage rights in the work results under the German Copyright Act (UrhG). It describes genuinely independent work, without instructions on time, place and method and without integration into the client's organisation, and covers the fee, the small-business VAT rule, the artists' social levy, confidentiality and termination. It states the risk of disguised employment plainly: the facts decide, not the label (§ 7(1) SGB IV). With a choice on the status determination under § 7a SGB IV. In German.

The record a landlord and tenant in Greece sign when the lease ends and the home is handed back: its condition, damage beyond ordinary wear, meter readings, keys, and the settlement of the deposit — how much is kept, why, and when the rest is returned. The landlord's claims for damage lapse six months after taking the home back (Article 602 of the Greek Civil Code), so the record's date and contents carry real weight.

A Greek employment contract with no end date, written for the Labour Law Code (Presidential Decree 62/2025) and the 2025–26 changes: job and duties, place of work, hours, gross pay in figures and words, the holiday bonuses and leave allowance, probation of up to six months and how the contract ends. It gives the essential terms in writing, as the law requires within one week, and sets out the ERGANI II steps: the contract itself is no longer filed, but since 16 February 2026 the employee must accept the hiring notice before starting.

A written employment contract with no end date for an employee in Cyprus: job and duties, place and hours of work, gross salary in words, payment into a bank account, social insurance, 20 or 24 days' annual leave, probation and termination under the Termination of Employment Law. It gives in writing the terms Law 25(I)/2023 requires the employer to hand over, the core ones within seven days of the start, and protects confidential information without a non-compete clause, which Cypriot law would treat as void.

The record of the moment the buyer took the car: date and hour, odometer reading, fuel, keys, documents, accessories and condition. In Greece it matters more than elsewhere: handover can come days before the digital transfer on gov.gr, the transfer records no handover at all, and until it is done the seller remains the registered owner — and the one fines are sent to. The record proves who had the vehicle, and from when fines and damage are the buyer's — and handover starts the 30 days after which the seller's insurance ends.

A Romanian residential tenancy between private individuals for a set period: rent and payment day, deposit, utilities, each side's obligations and a handover record when the home is handed over and returned. It provides for registration with ANAF within 30 days (form C168) — after which it is an enforcement title for the rent under art. 1798 of the Civil Code — and for early termination with the 60 days' notice the law requires.

Your application to the enforcement court in Austria when your bank account has been garnished and your wages, salary, pension or other income that is only partly garnishable is paid into it. Austria has no special protected account: on your application the district court lifts the garnishment under § 292i EO as far as the balance matches the protected part of your income until the next pay date, and if asked, in advance for what you urgently need. With the case number, bank, IBAN, income and pay dates. By post, in person or through JustizOnline — not by e-mail; you can also apply orally at the court. In German.

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.

The minutes by which the partners of a Greek private company (IKE) dissolve it, put it into liquidation and appoint a liquidator: the liquidator's details with father's name and AFM, pay, the work from the opening balance sheet to the distribution, the signature accepting the role and authority to file with GEMI. Dissolution needs 2/3 of all the shares, at a meeting called on 8 days' notice or in minutes signed by every partner, and takes effect from its announcement in GEMI. The liquidation ends with a second resolution, approving the closing balance sheet.

The request in which an employee in Romania asks to take annual leave: the dates, the number of working days, the year it belongs to and the colleague covering the duties. It ends with a space for the employer's approval. Annual leave is at least 20 working days, and holiday pay is paid before the leave begins.

A Polish residential tenancy with no fixed end date: rent, deposit, utilities, each side's obligations, handover records when the flat is handed over and returned, and the tenant's notice period. The landlord cannot end it at will — only on the grounds in art. 11 of the tenants' protection act, in writing and with the reason given — and the agreement says so plainly rather than promising a freedom the law does not give.

For the members of a Spanish limited company who decide to close it: Spanish minutes of the general meeting that resolves the voluntary dissolution (art. 368 of the Spanish Companies Act), opens the liquidation and appoints a liquidator, with a certificate of the minutes and the liquidator's acceptance. It is the private part of the closure: the resolution is put into a public deed before a notary and entered in the Registro Mercantil, and the liquidation ends with another deed, of extinction. In Spanish.

For a business or professional not paid by a business client in Italy: a letter in Italian listing the unpaid invoices, recalling the late-payment interest and the €40 owed under Legislative Decree 231/2002 without any request, setting a deadline to pay, and acting, as chosen, either as a formal notice under art. 1454 of the Italian Civil Code (at least 15 days, after which the contract is terminated by law) or as a notice of default that interrupts limitation. Sent by PEC to the company's address in INI-PEC, or by registered post.

For a private-sector employee in Italy proposing to the employer that the job end by mutual agreement, on a date and on the terms asked for. The letter is only the proposal: the agreement takes effect if it is then made, free of charge, through the Ministry of Labour's online procedure or signed in a protected setting such as the labour inspectorate or a union office. After a termination by agreement, NASpI unemployment benefit is due only in special cases. Sent by registered post, PEC or by hand. In Italian.

For a landlord in Italy whose tenant is not paying the rent: the formal demand to the tenant listing the unpaid months and the total, recalling that a delay of more than twenty days is a ground for termination (art. 5 of Italian Law no. 392 of 27 July 1978), and requiring payment within fifteen days (arts. 1219 and 1454 of the Italian Civil Code), with the warning that otherwise the lease will be treated as terminated and an eviction for arrears will be brought before the court. By registered post with proof of receipt to the rented home, or by hand. In Italian.

For a tenant in Italy with faults the landlord must fix — leaks, boiler, systems, damp — that are not being repaired: the formal demand describing the defects, setting a deadline for repairs (arts. 1575 and 1576 of the Italian Civil Code), announcing urgent repairs done by the tenant with a claim for reimbursement (art. 1577), and reserving a court-ordered rent reduction or termination, while the rent keeps being paid. Sent by registered post with proof of receipt, PEC if the landlord has one, or by hand. In Italian.

A German resignation letter (Eigenkündigung): ordinary notice ending your employment on the date you choose, or else on the next possible date, asking for confirmation of receipt, a full employment reference (qualifiziertes Arbeitszeugnis) and for remaining leave to be granted or paid out. Under § 623 of the German Civil Code (BGB), notice ending employment is valid only on paper signed by hand — e-mail, fax, scans and every other electronic form are void. In German, to print, sign and hand over with proof of delivery.