Consumer: templates and forms

For a passenger whose flight was cancelled with less than 14 days’ notice, arrived three hours or more late, or who was denied boarding: you ask the airline that operated the flight for 250, 400 or 600 € per person, depending on distance (EU Regulation 261/2004), unless there were extraordinary circumstances. It covers flights leaving an EU airport and flights into the EU on a European airline. Many airlines offer a free online form; with no answer within six weeks, a complaint to Italy’s civil aviation authority ENAC is free and online. This Italian letter goes by registered post with proof of receipt, or by PEC if the airline has a certified address.

The claim to an airline for compensation under Regulation (EC) No 261/2004 — 250, 400 or 600 euros per passenger, by distance — when a flight arrived at least three hours late or was cancelled without the notice required. It gives the flight and booking details, the scheduled and actual times, the other passengers on the booking, extra expenses, and the account for payment. It names ANPC as the regulation's national enforcement body.

A passenger's written demand to an airline for the compensation of Regulation (EC) 261/2004, €250, €400 or €600 depending on distance, when a flight from Cyprus, or to Cyprus with a European airline, arrived three hours or more late, was cancelled without timely notice, or the passenger was denied boarding. It also claims meals, hotel or transport costs, asks for cash rather than vouchers, and warns of a complaint to the Department of Civil Aviation.

A claim letter to the airline under EU Regulation (EC) No 261/2004, written for Germany: €250, €400 or €600 compensation per passenger when you reached your destination three hours or more late, your flight was cancelled at short notice, or you were denied boarding. It sets out the flight, the amount by distance, a refusal of vouchers, your out-of-pocket costs and a payment deadline, and names the German conciliation bodies that come next. For passengers on the same booking too. In German.

For a passenger whose flight departing from the EU, or arriving in the EU on an EU airline, arrived three hours or more late, was cancelled less than fourteen days before departure, or who was denied boarding. You ask the airline for the flat-rate compensation of €250, €400 or €600 per passenger under Regulation (EC) No 261/2004, and for your expenses. Without a satisfactory answer, mediation has been compulsory before going to a French court since 7 February 2026. The airline's online form works too. In French.

A passenger's claim to an airline, in Polish, for compensation under Regulation (EC) No 261/2004: the flight number and date, the route, the booking reference, the scheduled and actual arrival times, the disruption to underline — a delay of 3 hours or more, a cancellation, or denied boarding — the 250, 400 or 600 euro due, expenses and the account. It reminds the airline that only extraordinary circumstances, which it must prove, release it.

For a person on a flight that arrived three hours or more late, was cancelled at short notice or on which boarding was denied: the letter claims from the airline the €250, €400 or €600 compensation under Regulation (EC) No 261/2004 for each passenger on the booking, and invites it to negotiate as Spanish Organic Law 1/2025 requires before suing. If the airline does not answer within a month or refuses, a complaint to AESA, Spain's aviation safety agency, is free and its decision binds the airline. Send it by burofax or through the airline's complaint form. In Spanish.

The claim to an airline for compensation under Regulation (EC) No 261/2004 — 250, 400 or 600 euros per passenger, by distance — when a flight arrived three hours late or more, was cancelled without timely notice, or the passenger was denied boarding. It gives the flight and booking details, the other passengers, the expenses incurred and the IBAN, and asks for payment in money, not vouchers. It goes to the airline first; for flights from Greek airports, the next step is the Hellenic Civil Aviation Authority (ΑΠΑ), the Regulation's enforcement body.

A traveller's written claim against the organiser of a package holiday bought in Cyprus when the services were not as agreed: the hotel, flights, transfers or excursions. It relies on Law 186(I)/2017, under which the organiser answers for every service in the package, records the failures and when they were reported on the spot, and asks for a price reduction, compensation and the traveller's own costs, before the Consumer Protection Service.

The claim letter to the airline when your flight reached its destination at least three hours late, was cancelled at short notice, or you were denied boarding: you claim compensation of €250, €400 or €600 per passenger under Article 7 of Regulation (EC) No 261/2004, plus costs you paid for meals and accommodation, with a payment deadline and your account. If the airline does not answer, or answers unsatisfactorily, within six weeks, Austria's Agency for Passenger Rights (apf) helps free of charge; this letter is the first step there. In German.

For a traveller who bought a package holiday from an Italian organiser – flight and hotel, cruise, organised tour – and found services other than those promised: you ask the organiser for a price reduction, reimbursement of expenses and damages, including damages for a ruined holiday (Articles 42, 43 and 46 of the Italian Tourism Code). Defects must be reported promptly during the trip, to the organiser or the travel agency; damages are claimed within three years of returning. Italian chambers of commerce publish free guides on package travel. Send this Italian letter by PEC to the organiser’s certified address or by registered post with proof of receipt.

For a traveller whose package holiday (flight and hotel, tour, resort) bought in France did not go as planned: a different hotel, missing services, cancelled transfers. The organiser and the retailer are strictly liable for performance of the package (Article L. 211-16 of the French Tourism Code); you ask for a price reduction for the period of non-conformity and damages (Article L. 211-17). The letter states whether you reported the problems on the spot. In French, to send by registered post with proof of receipt after your return.

The complaint to the organiser of a package holiday bought in Greece when the services were not those agreed — accommodation, flights, transfers, meals, excursions. It sets out the booking, the travellers, what was wrong and when and to whom it was reported on the spot, and claims a price reduction, compensation and the costs the traveller paid to put right a fault the organiser did not fix within the reasonable time it was given (Presidential Decree 7/2018). The organiser answers for every service in the package, even those provided by others.

For a subscriber to a gym, magazine, streaming service or club in France who wants to stop. As you choose: cancellation at the end of the term with the contract's notice; free cancellation at any time when the business did not remind you, one to three months before the end of the term, of your right not to renew (the loi Chatel, Article L. 215-1 of the French Consumer Code); or cancellation for a legitimate reason the contract provides for. For a subscription taken out online, the 'cancel' button is often quicker. In French, to send by registered post with proof of receipt.

The notice by which a consumer in Romania ends a contract with a phone, internet or TV provider and, if needed, complains about the service. It cites the rules that protect them: an initial term of at most 24 months, termination at any time after it with at most a month's notice, and termination without cost when the provider changes the contract unilaterally. It announces the return of the equipment and asks for confirmation.

For anyone in Italy who wants to end a subscription – gym, swimming pool, magazine, online service – or stop it renewing: the letter gives notice at expiry, withdraws on the contract’s terms or, if a documented illness or injury prevents you from using the service, asks for termination because performance has become impossible (Articles 1463 and 1464 of the Italian Civil Code). Italy has no specific law on gyms: the contract and the Italian Consumer Code’s rules on unfair terms decide. Many providers state in the contract how to cancel. Send this Italian letter by PEC to the company’s certified address or by registered post with proof of receipt.

For anyone in Italy who wants to end an insurance policy – home, accident, liability, health – at expiry so that it does not renew tacitly, or to withdraw from a policy lasting more than five years once five years have passed (Article 1899 of the Italian Civil Code). The notice period is the one the policy sets and counts from receipt of the letter. Motor liability insurance, by contrast, needs no notice: it never renews tacitly. Many insurers also accept cancellation free of charge from the customer area or through the agent. Send this Italian letter by PEC to the insurer’s certified address or by registered post with proof of receipt.

The notice by which a consumer in Romania ends a subscription — a gym, an online platform, a course, any recurring service: the contract, the notice period and end date, stopping automatic debits, and a refund of payments made in advance for the time after it ends. It notes that a term allowing no way out, or imposing disproportionate penalties, may be unfair (Law no. 193/2000).

A letter cancelling your home-contents, personal liability, legal expenses, buildings, accident or pet liability insurance in Germany: with ordinary notice at the end of the insurance period, within one month of a premium increase (§ 40 of the German Insurance Contract Act, VVG), after a claim, or, for contracts of more than three years, at the end of the third year (§ 11 VVG) — each time, failing that, for the earliest possible date. It revokes the direct-debit mandate and asks for confirmation of the end date. Motor insurance has a document of its own. In German.

A letter cancelling a gym contract or another running subscription in Germany — a membership, a magazine, a streaming or delivery plan. You give ordinary notice for the earliest possible date, or terminate for good cause under § 314 of the German Civil Code (BGB), such as a lasting illness with a doctor's certificate; you revoke the SEPA direct-debit mandate from the end date and ask for confirmation of it in writing. For contracts since 1 March 2022, at most one month's notice applies after the first term (§ 309 No. 9 BGB). In German.

For a person in Spain whom an electricity, gas, phone or other company has signed up, switched from their supplier or charged for a service they did not ask for. The letter denies any consent, recalls that silence is not acceptance and that unsolicited supplies need not be paid for (art. 66 quáter of the Spanish Consumer Protection Act, TRLGDCU), asks for the contract to be cancelled, a return to the previous company and a refund, and invites the company to negotiate as Spanish Organic Law 1/2025 requires. Send it by burofax with certified content. In Spanish.

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.

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.

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.