The Late Payment Demand Letter is a critical business document used in Nigerian commercial practice when payment obligations remain unfulfilled beyond their due date. It represents a formal step in the debt collection process, typically issued after informal payment reminders have been unsuccessful but before initiating legal proceedings. The document must comply with Nigerian contract law and debt recovery regulations, including provisions for interest charges and limitation periods. It serves multiple purposes: formally documenting the payment demand, establishing a clear timeline for response, and potentially serving as evidence in future legal proceedings. The letter should include specific details about the debt, payment history, and clear instructions for settlement, while maintaining professional language that could support future legal action if necessary.
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1. Sender's Details: Full business/individual name, address, and contact information of the creditor
2. Date: Current date of the demand letter
3. Recipient's Details: Full name, title (if applicable), and address of the debtor
4. Subject Line: Clear indication that this is a formal demand for payment
5. Outstanding Debt Details: Specific amount owed, original due date, and invoice/contract reference numbers
6. Payment History: Brief summary of any partial payments made and remaining balance
7. Legal Basis: Reference to the contract or agreement under which the debt arose
8. Payment Demand: Clear statement of the amount demanded, including any applicable late fees or interest
9. Payment Instructions: Specific details of how and where to make the payment
10. Payment Deadline: Clear statement of the deadline for payment (typically 7-14 days)
11. Consequences: Statement of potential legal action if payment is not received by the deadline
1. Previous Communications: Reference to prior payment requests or communications - include if there have been previous attempts to collect
2. Interest Calculation: Detailed breakdown of how interest has been calculated - include if charging interest on the outstanding amount
3. Payment Plan Option: Proposed payment plan terms - include if willing to accept installment payments
4. Without Prejudice: Legal disclaimer protecting the creditor's rights - include if planning potential legal action
5. Dispute Resolution: Process for raising disputes - include if required by original contract or company policy
1. Original Invoice: Copy of the unpaid invoice(s)
2. Contract Extract: Relevant sections of the contract showing payment terms
3. Statement of Account: Detailed statement showing all transactions and current balance
4. Interest Calculation Schedule: Detailed breakdown of interest calculations if applicable
5. Previous Correspondence: Copies of previous payment requests or relevant communications
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