The Second Letter of Demand is a crucial document in Nigerian debt recovery practice, typically issued when an initial demand letter has not resulted in payment or satisfactory response. This document represents an escalation in the debt collection process, serving as the final formal communication before legal proceedings are initiated. It must be carefully drafted to comply with Nigerian debt recovery laws and civil procedure rules, including specific requirements for pre-action notices. The Second Letter of Demand should include references to previous communications, updated debt calculations including any accrued interest, and clear payment terms. It plays a vital role in establishing a paper trail for potential litigation and demonstrating the creditor's reasonable attempts to resolve the matter before court proceedings.
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1. Header Information: Full contact details of both creditor and debtor, including registered addresses, reference numbers, and date
2. Reference to First Demand: Details of the previous demand letter including date sent and lack of satisfactory response
3. Debt Details: Clear statement of the outstanding amount, including original debt, accumulated interest, and any additional charges
4. Legal Basis: Reference to the underlying contract or basis for the debt
5. Payment Demand: Clear statement of amount demanded and payment deadline
6. Consequences: Clear statement of legal actions that will be taken if payment is not received by the deadline
7. Payment Instructions: Detailed information about acceptable payment methods and account details
8. Closing Statement: Final warning and contact information for response
1. Settlement Offer: Optional section offering a one-time settlement amount or payment plan, used when there's willingness to negotiate
2. Interest Calculation: Detailed breakdown of how interest has been calculated, used when significant interest has accrued
3. Third Party Authorization: Statement of authority if acting on behalf of another party, used when letter is sent by a debt collector or legal representative
4. Without Prejudice: Legal reservation of rights, used when including settlement offers or negotiations
1. Statement of Account: Detailed breakdown of the debt, including original amount, payments received, interest charges, and current balance
2. Copy of Original Agreement: Copy of the contract or agreement that gave rise to the debt
3. Payment History: Record of all payments made and missed payments
4. Previous Correspondence: Copies of previous demand letter and any relevant correspondence
Relevant legal definitions
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Commercial Leasing
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Relevant Teams
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Finance
Credit Control
Accounts Receivable
Collections
Risk Management
Compliance
Commercial Operations
Client Relations
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Relevant Roles
Credit Manager
Collections Officer
Financial Controller
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Accounts Receivable Manager
Risk Manager
Debt Recovery Specialist
Corporate Lawyer
Finance Director
Credit Control Officer
Commercial Manager
Compliance Officer
General Counsel
Chief Financial Officer
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