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Demand Notice From Bank

Demand Notice From Bank Template for Germany

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Key Requirements PROMPT example:

Demand Notice From Bank

"I need a Bank Demand Notice in German jurisdiction for a corporate customer who has defaulted on a €250,000 commercial loan, with multiple missed payments since January 2025, where we need to reference the existing security over their business assets."

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Document background
The Demand Notice From Bank is a critical document in German banking practice, issued when an account holder has defaulted on their payment obligations. It serves as a formal notification under German banking law and the German Civil Code (BGB), particularly sections 286-288 regarding default notices (Mahnung). This document is typically issued after informal payment reminders have been unsuccessful and before initiating legal proceedings. The notice must contain specific elements required by German law, including exact debt amounts, payment deadlines (usually 14 days), and consequences of non-payment. It represents a crucial step in the debt collection process, as proper issuance of a demand notice is often a prerequisite for further legal action. The document must comply with German banking regulations, consumer protection laws, and data protection requirements, making it a significant tool in the bank's debt recovery process.
Suggested Sections

1. Bank Details and Letter Head: Official bank letterhead including full legal name, address, and regulatory registration numbers

2. Recipient Information: Customer's full name and current address, account number(s), and customer reference number

3. Subject Line: Clear identification as a demand notice (Mahnung) with reference to the specific debt

4. Outstanding Amount Details: Precise statement of the outstanding amount, including principal, interest, and any additional charges

5. Basis of Claim: Reference to the underlying agreement or circumstance that gave rise to the debt

6. Payment Deadline: Clear statement of the payment deadline (typically 14 days under German law) and consequences of non-payment

7. Payment Instructions: Detailed instructions for making the payment, including bank account details and payment reference

8. Legal Notice: Statement of legal consequences if payment is not made within the specified timeframe

9. Contact Information: Details of the department/person to contact for queries or payment arrangements

Optional Sections

1. Previous Communications Reference: Include when this is not the first notice - references to previous payment requests or communications

2. Payment Plan Option: Include when the bank is willing to consider payment arrangements - details of how to apply for a payment plan

3. Collateral Notice: Include when there is security/collateral involved - notice regarding potential enforcement against secured assets

4. Guarantee Notice: Include when there is a guarantor - notice that the guarantor will be contacted if payment is not received

5. Interest Calculation Breakdown: Include for complex interest calculations or when specifically requested - detailed breakdown of how interest has been calculated

Suggested Schedules

1. Statement of Account: Detailed statement showing transaction history and how the debt has accumulated

2. Interest Calculation Schedule: Detailed breakdown of interest charges and calculations

3. Payment History: Schedule showing previous payments made and missed payments

4. Original Loan Agreement Extract: Relevant excerpts from the original agreement showing payment obligations

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions






















Clauses


















Relevant Industries

Banking

Financial Services

Legal Services

Debt Collection

Corporate Finance

Consumer Finance

Retail Banking

Commercial Banking

Investment Banking

Asset Management

Relevant Teams

Legal

Compliance

Credit Management

Collections

Risk Management

Customer Relations

Operations

Finance

Regulatory Affairs

Account Management

Relevant Roles

Credit Manager

Collections Officer

Legal Counsel

Compliance Officer

Risk Manager

Account Manager

Banking Operations Manager

Debt Recovery Specialist

Customer Relations Manager

Financial Controller

Banking Director

Legal Operations Manager

Regulatory Compliance Specialist

Credit Risk Officer

Customer Service Manager

Industries







Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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