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And a consumer association is seeking damages.
Paolo Landi from one consumer association, Adiconsum, said his organisation would sponsor Everett's legal action.
The Rome prosecutor's office, reacting to a complaint from an Italian consumer association, promptly opened an investigation into Moreno's conduct.
If the consumer association wins its case, Apple could be forced to refund Applecare contracts to its Belgian customers while providing the additional year of warranty for free".
With a few dossiers, a consumer association could bring a case on behalf of all those who had suffered the same injury.
Montse Andrés Sabaté, a lawyer with Ausbanc, a consumer association that specializes in banking services, says the banks usually charge 5 or 6 percent, but sometimes much more.
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Italian consumer associations have decided to complain to Italy's competition watchdog.
That has long annoyed the government, consumer associations and small businesses.
There have also been repeated calls from U.S. consumer associations and the Federal Trade Commission in favor of such legislation.
The consumer associations are raising their voices on the subject, trying to force the Financial Services Authority to regulate the financial institutions' free-for-all.
In China, points out Mr Tan, only government-controlled consumer associations will be allowed to launch such suits: "no ambulance-chasers here".
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