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The letter telling your motor liability insurer in Austria that you have sold your car, as § 71 of the Austrian Insurance Contract Act (VersVG) requires: with the policy number, plate, chassis number, date and hour of handover, the buyer's name and address and the day of deregistration. It asks for the premium to be settled and prepaid premium refunded to your account, or for the policy to move to a replacement car, and for a confirmation of your claims record. Austria has no notice of sale to an authority. In German, ready to print, sign and send by registered post.

A consumer complaint to your electricity or gas supplier in Germany — a wrong bill, excessive instalments, a meter reading not taken over, a missing bonus or a termination left unconfirmed. The letter gives customer number, meter number and supply address, describes the problem, asks for a remedy and points to the four-week statutory deadline for an answer (§ 111a of the German Energy Industry Act, EnWG). If it fails, it is the precondition for a free application to the energy conciliation body, the Schlichtungsstelle Energie (§ 111b EnWG). Not for water or district heating. In German.

A letter to your German bank or Sparkasse to refund a direct debit, stop a debit that has been announced, refuse a payee's future debits, or cancel a standing order. A SEPA core direct debit can be reclaimed within eight weeks of the debit with no reason given (§ 675x of the German Civil Code, BGB), and a debit taken without a valid mandate up to 13 months later (§§ 675u, 676b BGB). A standing order or an announced debit can be revoked until the end of the business day before it is carried out (§ 675p BGB). With the payee, mandate reference, amount and date. In German.

A letter to the payee — a gym, insurer, club, mail-order shop or debt collector in Germany — revoking your SEPA direct debit mandate (formerly Einzugsermächtigung). It gives the mandate reference, the creditor identifier and your IBAN, forbids further debits from receipt, and says how payment continues: you will pay by transfer, the contract has ended, or you will pay from another account. Revoking the mandate ends neither the contract nor what you owe. If a debit still arrives, your bank refunds a SEPA core direct debit within eight weeks, no reason needed (§ 675x of the German Civil Code, BGB). In German.

A Cypriot cardholder's written request to the bank or card issuer disputing charges: a transaction the cardholder did not authorise, a purchase never delivered, a refund the merchant did not make, a double charge or a subscription already cancelled. It asks the issuer to recover the charge from the merchant's bank (a chargeback) and, for an unauthorised transaction, to refund by the next business day under Law 31(I)/2018, and warns of a referral to the Financial Ombudsman.

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 resolution of the sole member or the general meeting by which a dormant Romanian SRL is dissolved and wound up in one act, without a liquidator (art. 235 of Law no. 31/1990): the assets and debts, the statement that the debts are paid, how what is left is divided among the members, who keeps the records, and who handles the trade register.

The complaint to the local court against the report by which a fine was imposed in Romania — a traffic fine or any other. It is filed within 15 days of receipt (art. 31 of Ordinance no. 2/2001) and asks for the report to be annulled or the fine replaced with a warning. It sets out the grounds of absolute nullity in art. 17 — the officer's details, the offence, the date or the signature missing — the evidence, and a request to be tried in absence.

The step to take when a controller has not answered your request or has refused it without good reason. The order is the same as in consumer disputes: first a request to the organisation, then a complaint to the commission with a copy of the correspondence attached. A complaint with no prior request is usually sent back, because there is no refusal to examine.

You 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.

For a mobile operator, an internet or a television service. Ringing the call centre does not terminate a contract — the request has to be in writing and has to leave a trace of having been made. The notice identifies the contract, the service and the termination date, and asks for written confirmation and a final bill, which is exactly what is missing in a later argument about charges.

For a person who booked a package holiday in Spain or with a Spanish organiser (flight and hotel, a cruise or an agency package) that did not go as agreed: a different hotel, excursions that did not happen, missing services. The letter claims from the organiser or the agency a price reduction for the days affected and compensation for damage (arts. 161 and 162 of the Spanish Consumer Protection Act, TRLGDCU), and invites it to negotiate as Spanish Organic Law 1/2025 requires before suing. Send it by burofax with certified content to the organiser or the agency that sold the trip. In Spanish.

Notice ending a personal account agreement with a Polish bank or other payment provider: the account number and contract date, termination of the linked card and service agreements too, the account for the remaining balance, and a request to confirm closure. It relies on the Payment Services Act: notice cannot exceed one month, and closing is free unless it happens within the first 6 months.

For anyone who received from the Agenzia delle Entrate an assessment, a notice of irregularity or a tax bill with an obvious error: wrong person, calculation error, payment already made and ignored. Before this letter, the free route: the Agency’s CIVIS online service, for notices and bills, and its own fac-simile on plain paper. The request goes to the Agency office that issued the act or, for a tax bill, the one that entered the sums for collection, by PEC, recorded delivery or by hand, with no revenue stamp; it does not suspend the 60 days to appeal.

For anyone who received from the Comune, or the agent collecting for it, an assessment or payment notice for IMU, TARI or another local tax with an obvious error: a property not owned, wrong floor area or cadastral value, payment already made, wrong person. Many Comuni have their own form or a free online desk: if there is one, use it. This Italian request goes to the tax office that issued the act, by PEC or recorded delivery, and does not suspend the 60 days to appeal.

A mutual NDA under German law for two businesses or freelancers who exchange confidential information before working together: the purpose, what is and is not confidential, sharing only with staff and advisers, an express ban on reverse engineering the samples and prototypes handed over (§ 3(1) no. 2 of the German Trade Secrets Act, GeschGehG), return and deletion, duration, and a contractual penalty of your choice — set at the injured party's reasonable discretion subject to the court, a fixed sum, or none. Signing it also counts as a reasonable secrecy measure under the Act. In German.

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 agreement by which an employer and an employee in Cyprus end the employment contract together, without a dismissal or a resignation. It sets the last working day, the pay and annual leave still owed, any agreed lump sum and when it is paid, the return of equipment, a certificate of employment and continuing confidentiality, with a settlement clause that leaves untouched any rights the law does not allow to be waived. It rests on the Contract Law, Cap. 149, which requires free consent.

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.

The request by which an account holder in Romania closes a current account and ends the framework agreement with the bank: the account, the closing date, the cards attached, the account to receive the balance, and the cancellation of standing orders and direct debits. The agreement can be ended at any time with at most 30 days' notice, and closing is free at the latest once the account is 6 months old (Law no. 209/2019).

A mutual non-disclosure agreement (NDA) for talks between businesses in Austria about a cooperation, a project, a licence or an acquisition. It rests on the protection of trade secrets in §§ 26a ff. of the Austrian Unfair Competition Act (UWG): the purpose, what counts as confidential, disclosure only to those who need it, an express ban on reverse engineering samples and prototypes, return and deletion, the term after the talks end and an optional contractual penalty. Both parties are named with their company register number. In German, ready to print and sign.

The record that seller and buyer fill in together when a sold car changes hands in Austria: date and exact hour, mileage, fuel or charge level, visible damage, whether the car is roadworthy, papers handed over — Typenschein or data extract, Zulassungsschein, the latest roadworthiness report under § 57a KFG (the Pickerl) — and keys, and whether the car is handed over deregistered or still registered. The hour matters: until deregistration the seller remains the registered keeper and receives every driver enquiry. Goes with the sale contract. In German, ready to print and sign by both.

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.

Ending a Polish employment contract by agreement of both sides, on a date they choose, with no notice period and no reasons given. The agreement records who proposed it — which matters for the certificate of employment, for severance where the reasons do not concern the employee, and for the labour office — and settles leave and anything else the parties have agreed.