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The Final Demand Collection Letter is a crucial document in the Irish debt recovery process, representing the last formal attempt to collect a debt before initiating legal proceedings. It is typically used when previous attempts to collect payment have failed and the creditor is prepared to escalate the matter to legal action. The document must be carefully drafted to comply with Irish legislation, including the Consumer Protection Act 2007, the Central Bank's Consumer Protection Code 2012, and the Data Protection Act 2018. It should clearly state the debt amount, include all required statutory notices, and provide a reasonable timeframe for payment. The letter serves both as a final opportunity for the debtor to settle the outstanding amount and as evidence in any subsequent legal proceedings that proper demand was made. Its content and tone must balance firmness with professionalism while adhering to all relevant regulatory requirements.

1. Sender Details: Full company/creditor name, address, and contact information

2. Date: Current date of the letter

3. Recipient Details: Full name and address of the debtor

4. Reference Information: Account/invoice numbers, previous correspondence references

5. Debt Details: Clear statement of the amount owed, original debt, interest, charges, and calculation method

6. Payment Demand: Clear statement demanding full payment and deadline

7. Payment Instructions: Detailed payment methods and bank account information

8. Legal Warning: Statement of legal consequences if payment is not received

9. Contact Information: How to contact if payment arrangements are needed