Consumer & everyday claims in Spain: every dispute in one place
Rental deposit, faulty products, refunds, fines, insurance, a blocked bank account — the everyday disputes in Spain, your rights, the deadlines and how to claim, routed to a free check with NAVI.
Check my claim →✓ No account · ✓ A few minutes
Pick your dispute
Landlord won’t return your deposit? How to claim it back with interest.
Open guide → Faulty productRepair, replacement or refund under the legal guarantee — and how to demand it.
Open guide → Online return & refundThe 14-day right of withdrawal for online orders: how to use it.
Open guide → Hoja de reclamacionesThe official complaint form: when it forces a business to respond.
Open guide → Debt collectorsWhat agencies can and can't do, the 5-year limit and how to reply.
Open guide → Telecom lock-in (permanencia) penaltyOnly the prorated part is due — dispute your operator's exit fee for free.
Open guide → Non-resident mortgage in SpainThe legal process, costs and your LCCI rights — plus a €9.90 check of your offer.
Open guide → Can't pay your mortgage?The Code of Good Practices and foreclosure defences — plus a €9.90 letter check.
Open guide → Flight delayed or cancelled: €250–600Claim your EU261 compensation with a free letter — no claim-farm fees.
Open guide → Traffic fine appealAlegaciones or recurso against a DGT or local fine — and the deadlines.
Open guide → Traffic accident (insurance)Injured in a crash? Claim fair compensation from the insurer.
Open guide → Low insurance payoutInsurer paying too little or refusing? Contest the settlement.
Open guide → Bank blocked your accountKYC/AML documents, a frozen account — how to respond and complain.
Open guide → Send a formal notice (burofax)The formal, dated claim that fixes proof before any dispute.
Open guide → Baby formula recall: refundsRecalled Nestlé/Danone formula — claim a full refund.
Open guide →A dispute with a company, bank, insurer or the administration?
Tell NAVI what happened — an unreturned deposit, a faulty product, a fine, a low insurance payout. It tells you your rights, the deadline and the next step, no account.
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Informational guide on consumer and everyday claims in Spain (TRLGDCU, LAU, LCS, traffic law). Deadlines vary — check your case with NAVI.
This guide is general information about Spanish law, not a legal opinion on your case. Rules change and outcomes depend on your own facts and documents — check your situation before you act on it.
Need everyday protection, not just a one-off check?
Included: checks of Spanish documents, letters, requests and contracts before signing, Action Plans, consultation and sending your claims by burofax.