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Old 21.12.2020, 17:16
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What if i do not sign & take registered letter?

Hello,
I just wanted to know what happens if i do not recieve a registered letter "recommendé", are there any legal implications? lately an insurance company dragged me into a contract, though i barely filled an online form for a qoute/devis. Now they are sending bills etc., It is really annoying. thank you for letting me know anout not recieving their letters.
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Old 21.12.2020, 17:17
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Re: What if i do not sign & take registered letter?

It counts as delivered.

Tom
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Old 21.12.2020, 17:38
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Re: What if i do not sign & take registered letter?

As Tom stated, it is counted as delivered.


This is also the case when you apply for postal retention service (Post Zuruckbehalten), the letter will be held back for you by the post but once "normal" 7-days pickup deadline has been passed it is considered to be delivered even though it is not picked up by you yet.


This can have grave consequences in Switzerland. "Fristen" is a holly cow here, don't mess with it.


I strongly advise everyone to setup notification service with post, this is quite easily done and you will get SMS/eMail when registered letter is on the way.
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Old 21.12.2020, 18:31
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Re: What if i do not sign & take registered letter?

unless it comes from another country. such as italian speeding tickets....
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Old 21.12.2020, 18:35
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Re: What if i do not sign & take registered letter?

It could be:
  • A reminder to pay, otherwise the insurance company will start debt collection process
  • A notification from the office de poursuites that someone started a debt collection process against you
  • a notification that you missed the time to challenge the debt collection process
  • last chance before your assets are frozen.
Always a surprise.
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Old 21.12.2020, 19:12
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Re: What if i do not sign & take registered letter?

You must not ignore those and you must sort it out with the Insurance- or it will pursue you and it will get very messy. They will issue a 'poursuite' against you, which will make your life very difficult.

Do you speak FRench. Which Insurance? Do you have any legal services attached to your household insurance, etc. Honestly, don't ignore- you have to tackle this head on and sort it out.
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Old 21.12.2020, 19:16
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Re: What if i do not sign & take registered letter?

Not necessarily on this circumstance but under what circumstances can a registered letter be refused?
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Old 21.12.2020, 20:51
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Re: What if i do not sign & take registered letter?

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Not necessarily on this circumstance but under what circumstances can a registered letter be refused?
You can refuse to take anything, at any time.

The point is more that this is then your choice, so legally it counts as delivered since the sender gave you a reasonable chance at being notified.

It's the equivalent of sticking your fingers in your ears in court so you can't hear you're guilty - not going to work.
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Old 21.12.2020, 21:08
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Re: What if i do not sign & take registered letter?

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Not necessarily on this circumstance but under what circumstances can a registered letter be refused?
By not accepting nor collecting it.

Tom
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Old 22.12.2020, 21:15
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Re: What if i do not sign & take registered letter?

Legally (in normal countries) you cannot be considered served with a notice if you never received it. But this is EU, the center of litigious insanity, so anything goes.
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Old 22.12.2020, 21:18
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Re: What if i do not sign & take registered letter?

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Legally (in normal countries) you cannot be considered served with a notice if you never received it. But this is EU, the center of litigious insanity, so anything goes.
If you purposefully avoid a letter that you know or believe to be a legal notice related to a specific topic then of course you will get penalised for that. Do you really think that you can just keep refusing something repeatedly that you believe/know is making a demand from you, for something that you have done, and expect it to be ok?
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Old 22.12.2020, 21:20
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Re: What if i do not sign & take registered letter?

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Legally (in normal countries) you cannot be considered served with a notice if you never received it. But this is EU, the center of litigious insanity, so anything goes.
This is not the EU

Nor is it generally a litigious country, in fact compared to e.g. the US it is quite the opposite.
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Old 22.12.2020, 21:23
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Re: What if i do not sign & take registered letter?

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Hello,
I just wanted to know what happens if i do not recieve a registered letter "recommendé", are there any legal implications? lately an insurance company dragged me into a contract, though i barely filled an online form for a qoute/devis. Now they are sending bills etc., It is really annoying. thank you for letting me know anout not recieving their letters.
Insurance companies that do this crap generally don't win, but you can't just ignore them and you need to write to them to tell them that the contract was dishonestly negotiated.

There are other threads on this topic, some recent, so read them and take action.
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Old 22.12.2020, 22:15
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Re: What if i do not sign & take registered letter?

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But this is EU
No, it is NOT!

Tom
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Old 22.12.2020, 22:57
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Re: What if i do not sign & take registered letter?

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Legally (in normal countries) you cannot be considered served with a notice if you never received it. But this is EU,
No.

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the center of litigious insanity
as opposed to that haven on sense and proportionality that is the US?
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Old 22.12.2020, 23:57
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Re: What if i do not sign & take registered letter?

I similarly wondered in the insurance world and filled few forms to get a quote, however in the very last step button changed from "get quote" to "take out insurance". Probably glass of wine or two didn't helped in the process And of course to my surprise I got all the papers in the mailbox in few days.

To the OP - check if you can cancel insurance within FIRST 14 days (verify your policy if this is the case for that insurance type) and send registered letter to them ASAP.
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Old 23.12.2020, 09:54
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Re: What if i do not sign & take registered letter?

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I similarly wondered in the insurance world and filled few forms to get a quote, however in the very last step button changed from "get quote" to "take out insurance". Probably glass of wine or two didn't helped in the process And of course to my surprise I got all the papers in the mailbox in few days.

To the OP - check if you can cancel insurance within FIRST 14 days (verify your policy if this is the case for that insurance type) and send registered letter to them ASAP.
Most insurance companies offer a 14 day withdrawal period in their GTC, but it is not legally required.

If the company is at the stage of issuing demands for payment by registered letter I'm pretty sure this period is over.
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Old 23.12.2020, 10:02
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Re: What if i do not sign & take registered letter?

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To the OP - check if you can cancel insurance within FIRST 14 days (verify your policy if this is the case for that insurance type) and send registered letter to them ASAP.
If they are already sending him registered letters it sounds as though that ship has long set sail...

Better to face these issues head-on than ignore them and wait for them to disappear, because they don't disappear. What was a molehill ends up becoming a mountain with legal fees, betreibungen and lord knows what else...
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