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.
What you are entitled to anyway, how to spot companies that do more than the law requires, and why a seal on its own proves little.
Read morePurchase law & withdrawalWhen 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 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.