What we claim

Five kinds of money you're probably owed

Each one backed by a specific article of law, a deadline, and the evidence sitting in your inbox. If we can't prove it, we don't show it.

EU 261

Delayed flights

up to € 600

What it rests on

The amount is set by distance, not by what you paid for the ticket, and it is owed whether or not you were given a voucher at the gate. Pennny reads the delay notice the airline already sent you and matches it to the flight in your booking confirmation.: The evidence
How long you have: EU 261
The airline's own delay email, plus your booking confirmation.: Up to 3 years after the flight, in the Netherlands.

BW 6:203

whatever they took

What it rests on

Money paid without a legal ground has to be given back — that is what onverschuldigde betaling means. A duplicate direct debit is the clean case, but so is a charge for a service that was never delivered.: The evidence
How long you have: BW 6:203
The two receipts, or the receipt with no matching order.: Five years from the day you could have noticed it.

Wet van Dam

every euro since

What it rests on

Wet van Dam says a contract you have cancelled cannot silently roll on, and after the first year most subscriptions must be cancellable monthly. If they confirmed your cancellation and kept charging, each charge after that date was taken without a ground.: The evidence
How long you have: Wet van Dam
Their cancellation confirmation, and every charge dated after it.: Five years, same as any undue payment.

Wet van Dam

per month, backdated

What it rests on

A free trial that turns into a paid subscription without a clear, separate agreement is the most common one we see. Pennny finds the trial signup, the conversion, and every charge since — then cancels it and claims back what was taken without a ground.: The evidence
How long you have: Wet van Dam
The trial signup, the first charge, and the silence in between.: Depends on when the trial converted.

EU 2019/771

repair, replace or refund

What it rests on

This is the legal guarantee, and it sits underneath whatever warranty the shop sold you. It runs against the seller, not the manufacturer, and for the first year the seller has to prove the fault was not there at delivery.: The evidence
How long you have: EU 2019/771
The purchase receipt, and the date it stopped working.: Two years from delivery, EU-wide.

If we sweep your mailbox and find nothing we can prove, we tell you that. We'd rather say nothing than invent a claim that fails.

A claim that fails costs you nothing under our fee — but it costs you the time and the hope, and it wastes the deadline. So we don't file it.

One free sweep of your mail history. About a minute, and it costs nothing to find out.