We explain consumer rights in plain language, gather current warnings from official sources and provide free tools: from a template letter against unjustified debt-collection claims to the financial-provider check.
Check a broker, lending platform or financial provider against the FinBe.org licence database: enter a name, domain or LEI.
When the 14-day period really begins, which goods are excluded from withdrawal, who pays for the return, and why missing information extends the period to over a year.
Read morePhishing & data theftYou can recognise fake messages from your bank, a parcel service or a streaming provider by recurring patterns. Here is how to check the sender and links, and how to react correctly after a click.
Read moreTenancy & service chargesAbout half of all service-charge statements are incorrect. Here is how to check your statement step by step and spot inadmissible items, missed deadlines and wrong allocation keys.
Read moreTenancy & service chargesFrom the excessive back-claim to feigned personal need: the most common tricks around the apartment, the deposit and rent increases, and the right legal response to each.
Read moreDebt collection & claimsMost everyday claims become time-barred after 3 years. Here is how to calculate the period, how to raise the defence of limitation, and how to avoid the small-down-payment trap.
Read moreFake shopsHow to recognise fraudulent online shops before ordering, how to check the imprint, trust seals and payment methods, and what can still be salvaged after paying.
Read moreVerbraucherschützer.org is an independent information portal. We are not a public authority and not an official Verbraucherzentrale (consumer advice centre). Our warnings come from official, named sources; our guides cite the legal basis so you can verify every statement yourself.