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Past Due Collection Letter

Past Due Collection Letter Template for South Africa

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Key Requirements PROMPT example:

Past Due Collection Letter

"I need a Past Due Collection Letter for a South African retail business to collect R50,000 from a corporate client who has missed three consecutive monthly payments, with the last payment received in January 2025."

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Document background
The Past Due Collection Letter is an essential business document used when previous attempts to collect payment have been unsuccessful. It serves as a formal demand for payment of outstanding debts in accordance with South African legislation, particularly the National Credit Act 34 of 2005 and the Consumer Protection Act 68 of 2008. This document is typically issued after payment terms have expired and before considering legal action. It must include specific information such as the debt amount, payment history, current balance, and payment instructions, while also informing the debtor of their rights under South African law. The letter should maintain a professional tone while clearly communicating the urgency of the situation and potential consequences of non-payment.
Suggested Sections

1. Sender Details: Full legal name, registration number, and contact details of the creditor/collection agency

2. Date: Current date of the letter

3. Recipient Details: Debtor's full name and address

4. Reference Numbers: Account number, invoice numbers, and any other relevant reference numbers

5. Subject Line: Clear indication that this is a collection notice

6. Debt Details: Original amount, current balance, interest accrued, and payment history

7. Payment Demand: Clear statement of amount due and payment deadline

8. Payment Instructions: Detailed information on how and where to make payment

9. Legal Notice: Statement of legal rights and consequences of non-payment

10. Contact Information: How the debtor can contact you to discuss the debt or arrange payment

Optional Sections

1. Settlement Offer: Include when authorized to offer a settlement amount or payment plan

2. Previous Communications Reference: Include when this is not the first collection notice

3. Dispute Rights Notice: Include when required by specific circumstances or when dealing with disputed debts

4. Business Hours: Include when physical payment or contact options are available

5. Power of Attorney: Include when the collection is being made on behalf of another entity

Suggested Schedules

1. Statement of Account: Detailed breakdown of the debt, including principal, interest, and fees

2. Payment History: Record of previous payments and attempts to collect

3. Original Agreement: Copy of the original credit agreement or invoice

4. Interest Calculation: Detailed calculation of interest charges applied to the debt

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

Financial Services

Retail

Healthcare

Professional Services

Manufacturing

Telecommunications

Utilities

Education

Real Estate

Construction

Business Services

Information Technology

Relevant Teams

Finance

Accounts Receivable

Collections

Legal

Compliance

Credit Control

Risk Management

Customer Service

Operations

Relevant Roles

Credit Controller

Accounts Receivable Manager

Collections Manager

Financial Manager

Credit Manager

Debt Recovery Specialist

Legal Counsel

Accounts Administrator

Finance Director

Business Owner

Compliance Officer

Risk 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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