At checkout, a new phone often comes with an “all-risk” insurance offer. The deciding question is rarely asked: would the policy pay if the handset vanished from a café terrace table while you looked away? With many policies, no. Robbery and theft differ: force, violence or intimidation against a person is treated separately from a … Read more
An unused gym membership, a shocking electricity bill, a debit from a firm you have never heard of: for any direct debit, you can ask your bank to send the money back, and the law gives the bank a deadline to answer. The rules come from Spain’s Royal Decree-Law 19/2018 on payment services, which transposed … Read more
Spain’s customer-service law exists, but its most visible duties are still phasing in. Law 10/2025 of 26 December, regulating customer support, took effect on 28 December 2025. Firms have twelve months from then to adapt. The right to a person and the three-minute average wait limit therefore become fully claimable only at the end of … Read more
Spanish mobile users who find a bill entry for additional-rate services, premium messages or an unremembered subscription can stop those charges at source. Customers in Spain may ask their operator, free of charge, to disconnect additional-rate services, including SMS-based ones. The right has existed in telecoms regulation since 2002; it is arguably the most effective … Read more
Anyone buying a smartphone, laptop or television from a retailer in Spain gets a legal guarantee running three years from delivery — far beyond the twelve months most shoppers still assume. The framework sits in articles 114 to 127 bis of Real Decreto Legislativo 1/2007, as amended by Real Decreto-ley 7/2021 and applicable since 1 … Read more
Switching telecom providers in Spain has become a mass-market ritual: according to regulator CNMC, 491,629 mobile numbers were ported in July 2026 alone, up 1.4% year on year, alongside 89,367 fixed lines. The rules governing that churn sit in the 2022 General Telecommunications Law (Ley 11/2022), consumer protection legislation and the 2009 Charter of Users’ … Read more