Hello, I live in Germany and have ordered something from a store based in USA, California. Due to an error in shipping it has been returned to the sender. I contacted the seller and they refunded me only part of the costs, excluding VAT and shipping. They also told me it's up to me to reclaim VAT as they supposedly never received it. Same with the shipping, I am supposed to contact the postal service and sort this out on my own. This doesn't really make sense to me. From my understanding, the company I order from takes care of taxes, they did receive the money when I paid for the Item after all. I also don't really have any business with the shipping company as I am technically not their customer.

Am I missing something here or are they trying to rip me off?

Hello everyone!

I would like to request some advice from those who are currently living in Germany.

Back in 2025 I made a reservation online at a Hamburg hotel for 10 nights for 3 adults. The total was around 1,800 euros. I received an email confirming the reservation which also included the total price to be paid at the Hotel.

This month, I arrived at the hotel. I was very tired because of the long trip. I did the check in at the front desk and they charged my card. Next morning I noticed the email from Bank of America but it turns out they charged an extra 500 euros.

I spoke to the front desk and they said that the initial price I got last year when I made the reservation online was wrong. They had an issue with their system and that's why the total price was lower. They said the new total that I was charged was the correct price.

I told them that I don't think it's fair to do that because the guest comes to the hotel with the assumption that the price they got when they made the initial reservation is the correct price. If I had known about this before the cancellation window closed a month before the check in date, I would've cancelled and made a new reservation somewhere else. They claimed they sent an email informing about the new charges but I never received anything from them. If they didn't receive a response they should've called me to confirm that I was okay with the new rate but they said they didn't need to do that because the email was enough. The only email I have is the original confirmation email I received a few minutes after I made the reservation online last year. They said they sent me an email from a different email address to inform me about the issue which most likely was flagged as Spam because it didn't come from IHG. They showed me the email that they allegedly sent me but I never received that email.

I contacted IHG Reservations at their 1-800 number and the Guest Relations department agreed with me that they should honor the rates originally shown on their website. They told me the hotel modified my reservation 1 day after I made it last year to increase the rate. They spoke to the hotel to try to convince them to honor the original rate but the hotel management refused to do it.

I've read that Germany has good consumer protection laws but I don't know if they also protect tourists. I don't want to do a credit card chargeback because that's the nuclear option and I don't even know if I have a good winnable case, especially with Bank of America, which are known to have a bad dispute resolution process.

Is there anything I can do to recover the extra 500 euros that they charged me?

That amount might not be a lot for some people but it is for me.

Your help will be greatly appreciated.

Thanks in advance!

Hi all. A few days ago, my boyfriend and I were at a food market ordering lunch and we chatted to the vendor for a few minutes, being friendly and answering the questions he was asking us. At the end of the interaction, as I was paying, he told us that he has an Instagram page and YouTube channel where he posts food content and interactions with customers, and said that he was also currently livestreaming. My boyfriend asked how he was recording us and (of course) he pointed to his glasses with enthusiasm. I instantly got an icky feeling because I no longer felt the interaction was genuine, and neither of us has Instagram or has ever posted ourselves on any other social media platform. So I feel especially uncomfortable with the idea of a stranger posting me for content, especially in the age of AI.

He didn't tell us his Instagram or YouTube username but I managed to find the account and there are indeed shorts posted of our interaction from the vendor's POV. I might not mind if there were only a few views but there are thousands plus a handful of comments. (A couple of which comment on my petite/skinny stature, implying that I need to bulk up. The vendor responded with a laughing emoji... Not that it matters, but I've wanted for years to gain weight and failed at it.. this is how I am built.)

So, I just feel uncomfortable with the situation. This may seem harmless to the average person, and I guess you could argue that these days we should operate under the assumption that we're being watched at all times. And I was in a public place. But honestly we just wanted lunch, not to be posted on social media.

Is it possible to report or file a complaint somehow? What would that entail or require? I don't want too much trouble but I would prefer for the video of us to be deleted. Location: Ireland

In 2022, while I, F24, was in a relationship, I agreed to buy my then-partner’s car for €20'000.

We both signed a written sales contract. The contract identifies me as the buyer and him as the seller, describes the car/model and mileage, states a price of €20,000, and also states that €2,000 was still to be transferred. There is unfortunately no date or VIN written on the contract. I have the original document, signed, and his part is filled out in his handwriting.

My recollection today is that I paid him €18,000 in cash and the remaining €2,000 were supposed to follow. I am requesting my old bank records because I believe I withdrew the money in one large cash withdrawal at the bank counter around the time of the transaction.

He gave me the car and the original registration document, although the vehicle remained registered in his name. (I was assured he'd change this first thing in the morning) We also both signed on the contract that the vehicle had been handed over to me, as well as paid.

Shortly afterwards, he took the car without my permission while we were still together. He later sold it to someone else. I never received my money back.

Obviously I have the contract, although incomplete as mentioned before, and I have messages from that time in which I accused him of stealing my car, and I sent him a photograph of the contract. So this could at least narrow down the date in which the contract had been made.

Over a longer period of time of me accusing him, he goes from saying that i falsified the contract, to telling me he'll bring the car to me, to then claiming he gave me back all of my money.

I originally reported the matter in 2022. The authorities ordered police enquiries and I was subsequently interviewed further, but I did not properly pursue the matter at the time because the police officer convinced me to drop it.

There was also physical violence during the relationship. I have timestamped photographs of injuries, threatening messages such as him telling me he'll beat me up, and other very abusive messages. At least one person directly witnessed violence and would testify. Other people saw injuries at the time, and I have a contemporaneous conversation with another person concerning an incident she witnessed.

One reason I did not pursue things properly at the time was fear. He had threatened me about what would happen if I went to the police.

My main goal is honestly to recover the approximately €18,000 I paid. Criminal consequences are secondary to me, although i remain very scared of him.

The prescription is 5 years and that would be in ~5 months.
I don't want to let him get away with this but I also don't want to put myself in danger for no reason. Can this be pursued legally?

Location: France

In 2025, my friend(32F) traveled to Indonesia with her nephew(30M) as tourists. She is from Belarus, and he is from Germany. One day, the nephew rented a scooter to get around the island, and they were riding together from time to time until they got into an accident.

The circumstances of the accident are as follows: As it turned out, the nephew was drunk; he was exceeding the speed limit (my friend asked him to slow down and stop, but he ignored her) and had no experience driving in Indonesia(Where traffic drives on the left). At one of the intersections, he tried to drive through a red!!! traffic light signal and collided with a local resident on a scooter. The impact sent my friend flying forward and she flew several meters before hitting the ground face‑first, which caused her to break numerous facial bones, her jaw, and her teeth (by a miracle, she didn’t break her neck). A local resident broke his leg, while the nephew was completely unharmed. All the injured were taken to the hospital, and the nephew went to the police. My friend was in a very serious condition and underwent several very painful surgeries (she’s still undergoing them); her wounds are still making themselves felt to this day, and the psychological damage has been colossal — she’s suffering so bad because of it.

I don’t know the circumstances of the nephew’s conversation with the police, but all we got was a police report about the incident, which simply described the circumstances of it — and that’s all! He wasn’t even charged with running a red light and creating an dangerous situation!(I think it’s because he simply gave them money so he wouldn’t end up behind bars).

While my friend was in the hospital, he went to the police station every day and did something there, as he told himself, he was changing the case for the new police report, where her trauma wasn't related to accident, but rather he unintentionally pushed her from the slope. In the end, my sister spent about a month in the hospital, and he left, promising that he would send money for the treatment.

A year later, my friend, after returning home, is still undergoing facial reconstruction surgery; this has caused enormous damage to her psyche, and I can’t stand seeing how this nephew posts reels on Instagram about how he’s having fun while she’s suffering and trying to live. The amounts the nephew transferred over the whole year amounted to about $400(she lost at least a 20k$ at this time), but the last transfer was at the beginning of summer, and he hasn’t been in touch since.

I want this nephew to face at least some kind of punishment for his misdeed and to pay for her expenses. But all I know is his first name, last name, and his insurance number (he sent a screenshot of a letter from his insurance company), and that he is currently studying at one of the universities in Switzerland. Please tell me where I can turn for help in Germany or Switzerland, or what to pay attention to in this matter. Ultimately, she were left with huge financial debts, ruined health, and a police report that doesn’t even state that he is guilty (he ran a red light, I’m reminding you).

If any additional information is needed, I’ll give it.

Ahoj! Chtěla jsem se zeptat, jestli se dá něco dělat s tím, jak se k mému příteli chovají v práci? Tady je výčet toho, co mu dělají: • Donutili ho pít z toaletní mísy, protože jsem se mu během pracovní doby snažila dovolat. Jeho nadřízený na něj při tom, jak ho nutili to pít, dohlížel. • Nastříkali mu na vlasy smývatelnou barvu, ale vytvořili mu tím na zátylku obrázek smějícího se obličeje (smajlíka). • Donutili ho oběhnout deset koleček. • Donutili ho desetkrát vyběhnout schody. • Dali mu za úkol zpracovat seznamy kontaktů (po 100 a 200 jménech), přičemž na to neměl dostatek času; zítra jde znovu do práce a úkol nestihl dokončit, protože byl příliš unavený. • Musí obvolávat lidi bez jakékoli přestávky na oběd a v té době ani nesnídal. Celých 11 hodin to dělá vestoje. • Udělali z něj terč posměchu poté, co se svěřil nadřízenému se svými problémy a požádal o radu. Nadřízený to pak rozhlásil ostatním zaměstnancům. • Donutili ho podepsat dohodu o mlčenlivosti (NDA), podle které nesmí o tomto špatném zacházení nikomu říct, jinak mu hrozí pokuta. Existují zákony, které by ho v takové situaci chránily? Jde o franšízu a nadřízení se k němu chovají otřesně. Doufám, že se dočkám odpovědi – předem děkuji!

I rented an apartment in Poland for several years. I recently moved out and I'm now in a dispute with my former landlord over the security deposit.

I'm deliberately changing some dates and amounts for privacy, but the basic situation is accurate.

The deposit was approximately 7,500 PLN.

I informed the landlord in advance that I was moving out. During the first few days of the month I removed all of my belongings, and a few days later I handed all apartment keys to an agent acting for the landlord. The landlord himself had told me to coordinate the handover with that agent.

After the keys were handed over, I no longer had access to the apartment.

There were some minor cleaning issues after the handover. I told the landlord I was willing to come back and clean/fix anything reasonable myself.

He refused.

He basically said he didn't trust us anymore and that cleaners had already been arranged. The keys were then apparently given to the cleaning company, so the landlord/agent/cleaners had control of the apartment while I had no way to enter it.

Several weeks later, the landlord told me he was withholding almost the entire deposit.

His reasoning is roughly:

• about 4,200 PLN for another full month of rent, because according to him the lease had not formally terminated yet;
• about 2,700 PLN for cleaning/repairs;
• almost nothing left from the deposit.

The lease does contain a written notice period, which is the part that concerns me.

However, what I don't understand is the landlord's position regarding that final month.

If I was supposedly still legally renting the apartment and therefore owed full rent, how could he:

• take back all of the keys;
• refuse to give me access;
• tell me I wasn't allowed back inside;
• give access to his own cleaners;
• exercise complete control over the apartment?

And regarding the cleaning charge: I explicitly offered to come back and clean reasonable remaining issues myself, but he refused access and hired cleaners anyway. He is now trying to make me pay for that.

I have written messages showing:

• advance discussion about moving out;
• the landlord directing me to his agent for the handover;
• arrangement/return of the keys;
• confirmation that all keys were returned;
• my request to return and finish cleaning;
• the landlord refusing access because cleaners were already arranged.

I also have the original lease, move-in documentation/photos, move-out photos and the landlord's written calculation of the deductions (no receipts).

My questions:

1. Under Polish law, can the landlord still claim a full month's rent after accepting all keys and then refusing the tenant any further access?
2. Could accepting the keys through his authorized agent and subsequently taking exclusive control of the apartment be evidence that the landlord accepted an earlier termination/surrender by conduct, despite the notice clause?
3. Can he reasonably charge me for professional cleaning after I offered to clean the remaining issues myself and he specifically refused to let me back into the apartment?
4. How much documentation does a landlord normally need to justify deductions for alleged cleaning/damage — invoices, before/after photos, itemized costs, etc.?
5. If he refuses to return the deposit, is the normal next step in Poland a przedsądowe wezwanie do zapłaty followed by a civil claim?
6. For anyone who has actually taken a landlord to court in Poland over a deposit: was it financially worth doing for an amount in the several-thousand-PLN range?

I'm particularly interested in answers from Polish lawyers, landlords/tenants who have dealt with a similar dispute, or anyone who has actually gone through the Polish civil court process.

Just trying to understand whether his position is legally reasonable and whether pursuing the deposit is worth it.

I signed a civil contract with an individual in hungary. Which is stated to be made under hungarian law. This person now wants to sue for breach of contract. I am in another EU country and a citizen of that country.

This is still fresh and maybe just a threat, so this just for a babies first steps information for me. What would be the steps a civil case would need to make there. For example, I dont know any hungarian. Does the burden of translation fall to me?

I posted here before about an international transfer from Canada to my Trade Republic account that was rejected in December 2025.

The money was supposed to be returned to the sender’s RBC account, but 8 months later it is still missing.

Since then:

• RBC opened an investigation and provided the MT103.
• Trade Republic confirmed that the funds had been sent back to an intermediary bank.
• TR later said they had been conducting a SWIFT trace with UniCredit / Austria Bank AG since mid-July, but there has been no further update.
• RBC has also contacted the intermediary bank, but has not received a response either.
• The money is still not back, and after 8 months this has become extremely frustrating.

Following advice from this subreddit, I submitted a Schlichtungsantrag in July. BaFin forwarded it to the Deutsche Bundesbank Schlichtungsstelle, but I am still waiting for a case number and was told the process may take 3–6 months.

My question is: what else can I do legally while waiting?

Is there another authority I should contact, or any formal legal step I can take without immediately paying for a lawyer?

I have kept all documents, MT103, correspondence, and investigation records.

Any advice would be appreciated.

Hi everyone,

I'm an international student in Riga seeking advice.

My flatmates and I have a fixed-term lease until May 2027. We paid a €1,200 security deposit, €1,200 prepaid last month's rent, and all monthly rent on time.

On 3 August, our August rent was accepted. Later that same day, we received a termination notice requiring us to leave by 31 August.

We've repeatedly asked for our €1,200 prepaid last month's rent back because we urgently need it to secure another apartment. The property manager has repeatedly said they're discussing it with the owner, promised repayment would start on 17 August, but that date has passed and we've still received nothing. She even mentioned owner is trying to arrange the funds indicating the owner don't have funds at the moment which makes me worry since she has to return 2400Eur to us (last month rent + Security deposit)! Which is totally alarming for me.

An NGO (RigaVibes/OISW) initiated tried calling the property manager and had talks, but since then there has been no progress.

My questions:

• Is this legal under Latvian law?
• Can they keep the prepaid last month's rent after terminating the lease?
• What would you do next?
• Can anyone recommend a good English-speaking tenancy lawyer in Riga?
• Any LegalAid from the government of Latvia?

Any advice would be greatly appreciated. Thank you!

Hello,

I'm looking for advice, particularly from people who know about family law or have experienced a similar situation.

I live in France, I'm Italian, and my daughter's mother is Romanian. Before the birth, I completed a prenatal acknowledgment of paternity in France, because I have always wanted to take responsibility and be present as her father.

During the pregnancy, our relationship deteriorated significantly. The mother moved to Chernivtsi, Ukraine, without me really being involved in that decision, and told me that she intended to stay there for approximately two years with our daughter.

I tried to find a solution

I didn't want to immediately turn the situation into a legal battle.

I contacted a Point-Justice legal advice service, a mediator, and a lawyer. I provided the mother's contact details so that mediation could be attempted, but she did not want to participate.

I also applied for legal aid, but my application was rejected.

Despite everything, I was even prepared to travel to Ukraine. I looked into transportation to Chernivtsi, the documents I would need, and travel insurance so that I could go there, despite the fact that Ukraine is currently at war.

I simply wanted to see my daughter and be part of her life.

Now my daughter has been born

My daughter has now been born.

And today, the only thing I know is:

She is doing well.

That's it.

I don't even know her first name.

I haven't received a single photo or video of my daughter. I don't even know what my own child looks like.

Her mother has also made it clear to me that she doesn't want to put my name on the child's documents, despite the fact that I formally acknowledged paternity before the birth.

She barely responds to my messages anymore and has blocked me on Instagram.

That's probably what hurts me the most.

We can have all the problems in the world between us as adults. She may no longer want to be with me or have any personal relationship with me, and I can accept that.

But our daughter is not responsible for any of this.

I'm not asking for my daughter to be taken away from her mother. I'm not looking for revenge.

I simply want to be my daughter's father.

I want to know her name. See her face. Know how she's doing. Meet her and have a place in her life.

I feel like I was used

After everything that has happened, I sometimes genuinely feel like I was used to have a child and then pushed out of the picture.

I want to make it clear that this is how I feel; I obviously cannot prove what her intentions were from the beginning.

But between moving to Ukraine, telling me she intends to stay there for two years, refusing mediation, blocking me, and now not even telling me my daughter's name or sending me a single photo, it is extremely difficult to deal with.

For months, I've tried to remain calm and handle things properly.

I have kept our WhatsApp/iMessage conversations, voice messages, documents, my prenatal acknowledgment of paternity, and records of the steps I've taken.

Why don't I simply go to court?

Obviously, people may say:

"Get a lawyer and take it to court."

The problem is money.

I've just finished my studies, my application for legal aid was rejected, and this situation potentially involves several countries: France, Italy, Romania and Ukraine.

I don't know how long an international legal case like this could take or how much it could cost.

After months of trying to find solutions, I'm also exhausted from having to fight just to get basic information about my own daughter.

But there's one thing I absolutely don't want.

I don't want my daughter to grow up one day thinking:

"My father abandoned me."

That's why I'm keeping evidence of all my attempts to be involved in her life.

I'm also thinking about starting a journal for her. Not to speak badly about her mother, but so that one day, when she's old enough to understand, she can know what I tried to do from the moment she was born.

My questions

For anyone familiar with this kind of situation:

• What legal value does my French prenatal acknowledgment of paternity have now that my daughter was born in Ukraine?
• Can the mother simply decide not to include me as the father despite that acknowledgment?
• How can I officially obtain my daughter's first name, surname and birth information?
• How can I establish and exercise my rights as her father in an international situation like this?
• Should I continue sending messages even if she doesn't respond, so that there is a record showing that I have continued trying to maintain contact?
• Could her refusal to participate in mediation be relevant later if the case goes before a court?
• Are there any organisations specialising in international parental/family disputes that could help me without immediately requiring thousands of euros in legal fees?

I know Reddit is not a substitute for a lawyer. I'm mainly looking for experiences, advice and possible options that I may not have considered.

I'm hurt and angry about the situation, but I'm trying not to make decisions based purely on emotion.

At the centre of all of this is a little girl who didn't ask for any of it.

Even though I don't even know her name yet and have never seen her face, I want her to know one day that her father tried to be there for her from the very beginning.

Thank you to anyone who takes the time to read this and respond.

I was in a financially and mentally abusive marriage for 22 years. My ex-husband got a truck driving job for a Lithuanian company. He left my country in Africa.

He called on WhatsApp and said he was ending our marriage. He started ignoring my messages meaning, he was done.

He then gave his brother Power of attorney to sell our house. He flew back,and him and his brother evicted me without notice. They then had my business closed. I'm living off of handouts. My plea is,I asked for spousal support in court as I am now homeless and unemployed.

Myself and our youngest daughter also have medical conditions that need treatment. I still haven't received anything. How do I get directly in touch with him or the company that he works for. He has blocked me from all his socials. And has ignored everyone who has told him about my current situation.

Location: The Netherlands

A few weeks ago, a group of friends and I ordered an item from a website that turned out to be a dropshipping business. When we noticed that the delivery time had increased from a few days to several weeks, we realized what we had gotten ourselves into.

The delivery itself went fine, but we wanted to return the unopened item immediately because we found out that our friend, who we had bought this for, had received the same item as a gift from his family. During the first few days of emailing, the seller kept offering us discounts instead of accepting the return. After explaining the EU laws regarding the right of withdrawal and returns, we finally got the dropshipper to accept the return. He promised to refund us after receiving the item in the same condition.

We sent the item back using tracked and signed delivery. A few days later, we received an email from the local carrier saying that they had been unable to deliver the package.

We checked the return address on Google, and it appears to be a random house. It might be his house, but we have no way of knowing. The package is now stuck somewhere in Germany. We ordered from the Netherlands).

We have contacted him again, reported the matter to eConsumer.gov, filed a report with ACM ConsuWijzer, and left a review on Trustpilot. We are also considering going to the police, but honestly, we would much rather just get our money back. There is a form on his website and an email adress. No phone, no real address, no name, no registry number etc. (should've checked this before ordering of course, our bad there)

What can we do to speed up this process? We are looking for both legal advice and (fun) ways to put pressure on the seller so that he returns our money.

Location: Switzerland.

My dad's Swiss wife died recently. She had a life insurance policy naming my father and I as the sole beneficiaries.

We have already recieved the money.

My dad's wife has an estranged son from a previous marriage. That son is saying he's entitled to 25% of this money and the lawyer is agreeing with him and says we need to transfer him money.

Swiss law says that a son or daughter is entitled to 25% of a dead parents ESTATE, and we have not denied him any of this.

But this insurance money is not estate money. It is money that the insurance company has paid out to the people who are named on the policy. Which is us, not him.

It is my understanding after searching online that insurance payouts are not part of a persons estate.

I am writing on behalf of a family friend, Steve, an Italian citizen. Years ago he married a Chinese woman in Sri Lanka. In 2014 he applied for Italian citizenship for her, but in 2019, when the process was complete, she refused to take the required oath and therefore renounced it.

During their marriage, Steve has financially supported not only her but also her son from a previous relationship (a child that the biological father never recognized). With the rental income from a property, Steve managed to pay for the boy’s studies.

The property in question is a villa in Beijing. Steve transferred all the funds for its purchase via bank transfers to her "brother", because his wife told him that foreigners cannot own property in China. This “brother” bought the villa for them (it is unclear whether this man is really a brother or her lover). The villa was rented out for years, bringing the wife a steady monthly income. Recently, however, she sold it without informing Steve. When he asked her to share at least 40% of the proceeds, given that he had financed the purchase entirely, she refused and cut off all contact with him for two days.

Their relationship has become increasingly problematic. Steve asked her to spend six months in Italy with him, but she only stayed two weeks before returning to China, citing (nonexistant) health issues.

Steve is no longer mentally lucid. It is extremely difficult to reason with him or get him to take steps to protect himself and this makes him very vulnerable to manipulation, She tool control of his finances. Our greatest fear is that she will eventually deprive Steve’s biological daughter from his first marriage of her rightful inheritance.

Is there any way under Italian law to protect Steve’s assets and guarantee his daughter’s inheritance, even though the villa was in China and registered under someone else’s name? Can the bank transfers serve as proof that Steve was the true financier of the purchase?

Would Italian marital property rules apply at all, or does everything fall under Chinese jurisdiction?

Is there any possibility of taking legal action from Italy, or must everything go through the Chinese courts?

Given the cross-border nature of this issue and Steve’s vulnerability, what kind of lawyer should the family urgently contact?

We are very worried that time is running out, and any advice on possible legal protections in Italy before it is too late would be deeply appreciated

Ok for context when i was 15 i started speaking to a guy who was 20 long story short i started to admire him and thought he was a good friend. 1.5 yrs later he started been inappropriate wanting pictures from me and just all round only talking if it was that way. I was upset because of that i thought he was my friend and felt hurt i tried to express it and got insulted. so i told people he knew what he did to me his university friends , brother and sister. He messaged me and said if i tell anyone else he will tell the police and he said to me he already made a formal complaint and that if i tell anyone else he will file the report. He said this is in my hands now stop and live in peace or he tells the police. i’m 17 and he is 22 now by the way.

So I did a very stupid and irrational thing. I posted a photo on r/gaysnapchatimages and the username of my totally new snap account. Around 15 people added me and I asked them for age to make sure they were over 21 years old and some of them sent me pics and so did I. But 10 minutes later I got logged out and was notified that my snap account got permanently banned for violating either the community or service guidelines. This happened a month ago and I still don’t know why I exactly got banned. I never received any pictures from minors nor I interacted with them. Nevertheless I am still afraid that the snapchat AI could have falsely recognized it as csam and reported it to the NCMEC, because I read it happened to some people. I feel really lost and frightened. Does anyone have experience with this stuff?

Hi everyone, I’m looking for insights on how car rental companies handle Zero Excess waivers when a claim gets messy.

I recently had a single-vehicle accident in Switzerland:

The Incident: While reversing to turn a corner, I misjudged a blind spot and reversed directly into a solid metal pole, causing significant physical damage to the rear of the car. No other vehicles or people were involved.

The Authorities: I immediately called the police. The officer attended, filed an official report, and logged 0.00 CHF in municipal damage. They issued zero traffic citations, no fines, and no penalty report for reckless driving.

The Contract: I had pre-paid for a Zero Excess waiver (⁠ZE1⁠ / 0 CHF deductible).
The Company’s Response: After I submitted my accident report and the police file, customer service acknowledged I bought Zero Excess, but officially rejected it. They claim that based on a photo review, the damage is too severe for an ordinary accident, declared it a "Breach of Contract" due to "negligence," and are demanding I pay the full repair invoice. Which are well over 20k EURO.

My questions for the community:

1. Can a rental company unilaterally void a pre-paid Zero Excess protection contract by labeling heavy accidental damage a "breach of contract" or "negligence" via a photo review?

2. What legal standard of gross negligence is typically required in Switzerland to invalidate a zero-excess waiver when law enforcement investigated the scene and issued zero citations or penalties?

3. Is escalating an unresolved dispute like this to the
   Any advice or similar experiences with rental companies pushing back on zero-excess claims would be appreciated.

If this is not the right subreddit to post this, feel free to send me to a right one.

I am 19(m) and just today i have gotten a call from the police, and they just asked me if i have bought steroids from Germany, i am personally from Denmark so steroids are obviously super illegal here. The policeman said that he can see that i have bought something called Human-R, and one more steroid which i didn’t quite get the name of. I have obviously not been buying them, he also said that it was headed to my adress.
Im gonna be open and say that i have experimented with peptides, but i have never gotten in any trouble, anf also when i bought peptides ones they were even checked at the border once and i still got them without any problems. (the peptides were also more on the safer side.
So my question is now, can i be in trouble anyhow? Even when it’s somebody else using my personal information, and can the police choose to investigate me or even search my house?
Or am i just overthinking it completely and nothing is gonna happen🤷‍♂️

Guys, my pakistani husband, which i am married since 2012 and he has a permanent residence permit issued by Greek authorities like member of a U.E. familly, got another permit in Portugal(i dont know how), he declare another marriage who took place in Pakistan, after our marriage, he applied for family reunion and he brought another wife and children in Europe. So, in this moment, he has 2 legal wives in Europe. And, although he live in Greece, he has in Portugal all the paper, so, is like working and living in 2 countries simultaneously. And know is also in Greece with the other familly.

So, tell me your thoughts about this situation and what can i do?