Free Demand Letter for Payment Template

[Your Name / Business Name]
[Address]
[Email] | [Phone]

[Date]

[Debtor's Full Name / Company Name]
[Debtor's Address]

BY RECORDED DELIVERY

Dear [Debtor's Name],

Re: Letter before action — outstanding payment of [Amount]

Despite previous requests, the sum of [Amount] remains outstanding and overdue. This sum relates to:

• Invoice [Number], dated [Date], for [brief description of goods / services].
• Due date for payment: [Date].
• Reminders sent: [Date 1], [Date 2], [Date 3].

To date, no payment has been received and no satisfactory response has been provided.

This letter constitutes formal demand for payment of the full outstanding sum of [Amount]. I require payment in cleared funds within 14 days of the date of this letter, by bank transfer to:

Bank: [Bank Name]
Account name: [Name]
Account number: [Number]
Sort code / Routing: [Code]
Reference: [Invoice Number]

If full payment is not received by [Final Deadline Date], I will, without further notice, commence legal proceedings to recover the debt. I will also seek to recover:

• Statutory / contractual interest accrued on the debt.
• Court fees and reasonable legal costs.
• Any debt recovery costs permitted by law.

This will also be reported to credit reference agencies where applicable, which may affect your credit rating.

If you believe any part of this sum is disputed, you must set out the basis of your dispute in writing within 14 days. Otherwise, I will proceed as set out above.

Yours faithfully,

[Your Full Name]
[Title, if business]