One click and adult service bills arrive

Contesto

In brief - A teenager from Ticino received a bill for an adult service subscription - The bill was issued by Obligo AG for an amount of 166.80 CHF - The parent formally contested the bill ## Key facts - What: Bill for adult service subscription - When: May 2026 - Where: Mendrisio, Canton Ticino - Who: Obligo AG - Amount: 166.80 CHF A wrong click on the smartphone was enough to subscribe to an adult service offered by Swissolvedate.ch. This is what happened to the son of C.*, a resident of Mendrisio, who accidentally brushed against an advertising banner on a social network. Shortly after, the bill arrived, issued by the company Obligo AG, for an amount of 166.80 CHF. A name that might sound familiar to someone: we had already talked about it in relation to a similar case that had involved a retiree from Sopraceneri. The parent of the teenager, taking the 'bill' in hand, decided not to pay, immediately sensing the irregularity of the request. Less than a month later, the first reminder: 'We are certain that the due date of the outstanding invoice has slipped your mind by mistake,' reads the registered letter. The rate, of course, is loaded with additional costs and reaches 181.80 francs. A few weeks, and here is the last payment notice. 'Despite our previous reminder, to date we have not yet been able to record any payment. With this, you receive a final due date to settle the amount of 196.80 francs,' Obligo AG insists. ### How to react At that point, C., far from being inexperienced, decides to react. The registered letter he sends is concise and formal: 'I am writing to you regarding the continuous payment reminders relating to an alleged subscription to the site Swisslovedate.ch, which I declare I have never subscribed to, referred to the number xxx in my name....

Dettagli operativi

Implications for cross-border workers This case raises important issues for cross-border workers who work in Switzerland and reside in Italy. In particular, it is crucial to be aware of the risks associated with accidental clicks on advertising banners, especially when it comes to paid services. Cross-border workers must be particularly careful when using their mobile devices, especially if connected to public or unsecured Wi-Fi networks. ### What to do in case of unjustified bills If you receive a bill for a service you never subscribed to, it is important to act promptly. First, you need to keep all communications received, including payment reminders. Subsequently, you can contact the issuing company to ask for clarification and, if necessary, formally dispute the bill. It is advisable to do this by registered mail with return receipt, to have proof of sending. ### Prevention is better than cure To avoid finding yourself in similar situations, it is fundamental to adopt some precautions. For example, disable automatic payments on mobile devices and use complex passwords to protect your accounts. Additionally, it is useful to regularly monitor your bank account movements and immediately report any suspicious transactions. ### Conclusion The case of the young man from Mendrisio shows how a simple click can have significant financial consequences. However, with the right attention and knowing your rights, you can effectively defend yourself against unfair commercial practices. For cross-border workers, in particular, it is important to always be informed and up-to-date on the regulations in force, both in Switzerland and in Italy, to avoid unpleasant surprises. ## Useful tools to protect your net income To reduce FX leakage, compare CHF-EUR exchange options and...

Punti chiave

Procedure to contest an unjustified invoice 1. Keep communications: Save all emails, registered letters, and payment reminders received. 2. Contact the company: Send a registered letter with return receipt to the issuing company, asking for clarification and formally contesting the invoice. 3. Request contractual documentation: Ask the company to provide you with a complete copy of the contractual documentation, including the signed contract, email confirmations, and proof of the payment method. 4. Consult a lawyer: If necessary, consult a lawyer specializing in consumer law to obtain legal assistance. 5. Report to ACSI: Contact the Associazione Consumatori e Consumatori della Svizzera Italiana (ACSI) to report the case and obtain support. ### Useful tools For further information and assistance, you can use the salary calculator to verify your financial situation and plan your expenses. Additionally, consult the guides and resources available on the site to stay updated on regulations and your rights as a cross-border worker. ### Conclusion In conclusion, being informed and attentive is fundamental to avoid unpleasant financial surprises. If you have doubts or need assistance, do not hesitate to contact the competent authorities or consult a professional in the field. Remember that knowing your rights will help you protect yourself from unfair commercial practices and defend your wallet. Source: tio.ch

Punti chiave

[{"q":"What should I do if I receive an invoice for a service I never subscribed to?","a":"If you receive an invoice for a service you never subscribed to, it's important to act promptly. Keep all communications you receive and contact the issuing company for clarification. If necessary, formally dispute the invoice by registered mail with return receipt. You can also consult a lawyer specializing in consumer law to obtain legal assistance."},{"q":"How can I prevent receiving unjustified invoices?","a":"To prevent receiving unjustified invoices, it's essential to take some precautions. Disable automatic payments on your mobile devices, use complex passwords to protect your accounts, and regularly monitor your bank account movements. Immediately report any suspicious transactions to your bank and the relevant authorities."},{"q":"What does Swiss law say about invalid contracts?","a":"According to Article 28 of the Swiss Code of Obligations (CO), a contract concluded without valid consent or through error or fraud is contestable and voidable. This means that if a contract was concluded fraudulently or by mistake, you can contest it and request its annulment. It's important to keep all evidence in your favor and consult a lawyer to obtain legal assistance."}]

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