Notice & Demand: templates and forms

The letter revoking a power of attorney — at any time and without reasons (§ 1020 of the Austrian Civil Code, ABGB) — and asking for the document back. It is also the notice to banks, authorities and other parties: anyone who, through no fault of their own, does not know the power has ended is protected (§ 1026 ABGB), so each receives a copy. It takes effect on receipt — hand it over against a signature or send it by registered post. It cannot end a registered lasting power (Vorsorgevollmacht), which ends only on entry in the ÖZVV register. In German.

For stopping a creditor's direct debits from your account in France: a subscription, a supplier, a lender. The document, in French under French law, holds two letters to send the same day: the revocation of the SEPA mandate, to the creditor, and the opposition, to your bank, which then refuses every debit from that creditor (article L. 133-7 of the French Monetary and Financial Code). A debit presented afterwards is no longer authorised and is refunded. Revoking the mandate does not end the contract.

A letter to your bank in Austria closing your current account (Girokonto), whether you are leaving altogether or moving to a new bank through the account-switching service. It gives the IBAN, the account holder and date of birth, the closing date and the account for the remaining balance, ends the cards, overdraft and online banking linked to the account, and asks for written confirmation. Under the Austrian Payment Services Act (§ 51 ZaDiG 2018) you may terminate at any time, on at most one month's notice, and free of charge for an open-ended account. A choice covers switching under §§ 14 ff VZKG. In German.

For a consumer in Italy who bought online, by phone, by mail order or from a doorstep seller and has changed their mind: you withdraw within 14 days without giving reasons (Article 52 of the Italian Consumer Code) and ask for everything you paid back within 14 days. The model form the seller must give you and, for contracts concluded from 19 June 2026, the «Recedere dal contratto qui» button on shopping websites are free and enough on their own. This Italian letter leaves written proof: send it by registered post with proof of receipt (raccomandata A/R) or by PEC to the seller’s certified e-mail address.

The withdrawal notice for an online purchase, an order by phone or catalogue, or a contract made away from the trader's premises in Austria: you withdraw within 14 days without giving reasons under § 11 of the Austrian Distance and Off-Premises Contracts Act (FAGG) and ask for your money back. The model withdrawal form in the FAGG's annex is free and works just as well; no form is prescribed, and sending in time is enough. For contracts made online from 1 October 2026 the shop must also offer a withdrawal function (§ 13a FAGG). In German, ready to sign and send.

A letter to a German bank or savings bank (Sparkasse) closing your current account (Girokonto), whether you are leaving altogether or switching to a new bank. It gives the IBAN, the account holder and date of birth, the closing date you want and the account for the remaining balance, ends the linked cards, overdraft and online banking, and asks for written confirmation. Under § 675h of the German Civil Code (BGB) you may close the account at any time without notice, unless a notice period of at most one month was agreed, and closing is free. A choice covers switching through the statutory switching service (§§ 20 ff. ZKG). In German.

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.

For a consumer in Spain who bought online, by phone or away from the shop (at home or on an excursion) and has changed their mind: the letter withdraws from the contract within 14 calendar days, without giving reasons (arts. 102 to 108 of the Spanish Consumer Protection Act, TRLGDCU), and asks for everything paid back within 14 days. The model withdrawal form in annex B of the TRLGDCU, which the seller must give you free, is enough on its own. This Spanish letter proves what was sent and when: send it by burofax with certified content, or attach it to an e-mail. In Spanish.

For the policyholder of an insurance policy in Spain (car, home, health, funeral or another kind, but not life insurance) who does not want it renewed: the letter tells the insurer that you oppose the renewal at least one month before the expiry date, as article 22 of the Spanish Insurance Contract Act requires, and asks that no premium be charged for the new period. Send it by burofax with certified content, which proves that the insurer received it in time. In Spanish.

For someone who gave another person a private mandate or authorisation and wants to withdraw it: the letter gives notice of the revocation with effect from receipt, asks for the document and anything received back, and for an account. It goes by burofax with certified content and acknowledgement of receipt, which proves when it arrived. If the power was granted before a notary, revoke it before a notary too and use this letter to give notice. A separate notice informs banks and companies. In Spanish.

Many banks let you revoke a direct debit free of charge in online banking or at the branch. This document, in Italian under Italian law, is for doing it in writing, with proof: it holds two letters to send on the same day, one to the creditor revoking the SEPA mandate and one to your bank asking it to stop executing that creditor's debits (legislative decree no. 11/2010). Revocation does not cancel sums owed: the letter asks how to pay them another way.

For anyone in Italy who wants to end a landline, mobile, internet or pay-TV contract, even before it expires: the law lets you withdraw at any time, on no more than thirty days’ notice and without costs other than those justified by the operator’s own costs (Article 1(3) of Italian decree-law 7/2007, the «decreto Bersani»). Operators also offer free cancellation channels in the customer area or in their shops; to move to another operator and keep your number, just go to the new one. This Italian letter proves the date: send it by PEC to the operator’s certified address or by registered post with proof of receipt.

If you open an account with another bank in Italy, the new bank offers a free switching service that moves transfers and direct debits and closes the old account if you ask. This letter, in Italian under Italian law, is for closing the account only: it gives notice of withdrawal without penalty or charges (article 120-bis of the Italian Consolidated Banking Act), asks for linked cards and services to be closed, the balance transferred and a closing statement sent. Send it by registered post, by PEC or hand it in at the branch.

For a consumer in France who bought online, by phone, from a catalogue or from a doorstep seller and has changed their mind: you withdraw within 14 days without giving reasons under Article L. 221-18 of the French Consumer Code, and ask for everything you paid back within 14 days. The model withdrawal form, which the seller must give you free, works too, and since 19 June 2026 online shops must offer a withdrawal function. A letter in French, to send by registered post with proof of receipt or by e-mail so that you keep proof.

A letter ending your household contents, personal liability or legal-expenses insurance in Austria: at the end of the insurance period or term; under § 8 Abs 3 of Austria's Insurance Contract Act (VersVG), for a contract of more than three years, on one month's notice for the end of the third and each later year; or after a claim. With policy number, type of insurance, start date, revocation of the direct debit and a request for written confirmation. Motor insurance has its own document. In German.

A letter ending a gym contract or a running subscription in Austria — a magazine, a membership, streaming or a delivery plan. You give ordinary notice for the earliest date; for a magazine or delivery plan, notice under § 15 of Austria's Consumer Protection Act (KSchG), two months before the end of the first year and then of each half-year; notice for good cause such as illness or pregnancy; or notice for the original end date where you were not reminded before an automatic renewal (§ 6 Abs 1 Z 2 KSchG). With revocation of the direct debit and a request to confirm the end date. In German.

A letter ending your mobile, landline or internet contract with a provider in Austria: with ordinary notice for the earliest date, at the end of the minimum term, or extraordinarily after a change to the terms or charges that is not solely to your benefit — then with no remaining charges for the minimum term (§ 135 of Austria's Telecommunications Act, TKG 2021). After the minimum term, at most one month's notice applies. With customer, contract and phone numbers, revocation of the direct debit and a request for written confirmation of the end date. In German.

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 letter withdrawing from a purchase made online, by phone or by catalogue, or from a contract signed at your door, in Germany. Under §§ 312g and 355 of the German Civil Code (BGB) a consumer may withdraw within 14 days without giving reasons. The letter carries everything the statutory model withdrawal form asks for — order date, date the goods arrived, order number, the goods, your name and address — in its own words, and asks for the refund within 14 days and a confirmation of receipt. In German, ready to send by e-mail or post.

The second step of a complaint about faulty goods in Germany. If the seller did not repair or replace the goods in time after being told of the defect, the defect returned after a repair, or the seller refused, you declare withdrawal from the sale or a reduction of the price (§§ 437 and 441 of the German Civil Code, BGB) — when buying from a trader, without a further deadline (§ 475d BGB). With purchase date, defect, ground, amount to refund, deadline for payment and IBAN. In German.

A notice ending a mobile, DSL, cable or fibre contract in Germany under the Telecommunications Act (TKG): ordinary notice at the earliest date, one month's notice once the minimum term has ended (§ 56 TKG), notice because you are moving (§ 60 TKG), because the internet is too slow and a deadline to fix it has passed, with the regulator's measurement record (§ 57(4) TKG), or after a one-sided change to the contract. With customer and contract numbers, phone number and a request to confirm the end date. In German.

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.

The notice by which a consumer in Romania withdraws from an online, phone or off-premises purchase within 14 days — 30 if the contract was made during an unsolicited visit to the home or on an excursion organised by the trader — without giving a reason (Emergency Ordinance no. 34/2014). It identifies the product and the order, asks for every payment — standard delivery included — to be refunded within 14 days to the account given, and announces the return of the goods. It follows the content of the model in the ordinance's annex.