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Personal Demand Letter for Nigeria

Personal Demand Letter Template for Nigeria

A Personal Demand Letter is a formal written communication used in Nigerian jurisdiction to request payment of an outstanding debt or unfulfilled financial obligation. This document serves as an official notice to the debtor, outlining the specific amount owed, payment timeline, and potential legal consequences of non-payment. Governed by Nigerian contract law and civil procedure rules, it functions as a crucial pre-litigation document that demonstrates the creditor's attempt to resolve the matter amicably before pursuing legal action. The letter must comply with Nigerian legal requirements and can be used as evidence in court proceedings if the dispute escalates to litigation.

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What is a Personal Demand Letter?

The Personal Demand Letter is a fundamental debt recovery tool in Nigerian legal practice, typically used when informal attempts to collect payment have been unsuccessful. This document represents a critical step in the debt recovery process, serving as both a formal payment request and a potential exhibit in future legal proceedings. It must be drafted in compliance with Nigerian law, particularly the Recovery of Debts (Summary Procedure) Rules and relevant civil procedure regulations. The letter should clearly state the debt amount, its origin, payment history, and provide a reasonable deadline for payment. Personal Demand Letters are essential in establishing a paper trail of collection efforts and demonstrating the creditor's reasonable attempts to resolve the matter before pursuing court action. They can be used for various types of debts, from personal loans to business transactions, and must include specific elements to be legally effective in Nigerian jurisdiction.

What sections should be included in a Personal Demand Letter?

1. Sender's Details: Full name, address, and contact information of the person making the demand

2. Date: Current date of the letter

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

4. Subject Line: Clear identifier of the letter's purpose (e.g., 'DEMAND NOTICE - OUTSTANDING PAYMENT')

5. Debt Details: Specific amount owed, origin of the debt, and date it was incurred

6. Payment History: Record of any partial payments made and remaining balance

7. Formal Demand: Clear statement of the amount demanded and payment deadline

8. Payment Instructions: Specific details on how and where to make the payment

9. Legal Consequences: Statement of intended legal action if payment is not received by the deadline

10. Closing: Professional closing, signature block, and sender's signature

What sections are optional to include in a Personal Demand Letter?

1. Previous Communications: Reference to prior attempts to collect the debt or previous correspondence

2. Interest Calculation: Breakdown of any interest charges being added to the principal amount

3. Payment Plan Option: Proposed installment payment arrangement if willing to accept partial payments

4. Without Prejudice: Legal disclaimer to be added if the letter is part of settlement negotiations

5. Copy Recipients: List of other parties receiving copies of the letter (e.g., lawyers, guarantors)

What schedules should be included in a Personal Demand Letter?

1. Statement of Account: Detailed breakdown of the debt, including dates, amounts, and any interest calculations

2. Supporting Documents: Copies of relevant contracts, invoices, receipts, or other evidence of the debt

3. Correspondence Log: Chronological list of previous attempts to collect the debt

4. Bank Details: Separate sheet with complete banking information for payment transfer

Authors

Alex Denne

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

Jurisdiction

Nigeria

Publisher

Ƶ

Document Type

Demand Letter

Cost

Free to use
Relevant legal definitions




















Clauses
















Relevant Industries

Financial Services

Retail

Real Estate

Construction

Professional Services

Manufacturing

Healthcare

Education

Transportation

Agriculture

General Commerce

Consulting

Technology

Relevant Teams

Legal

Finance

Accounts Receivable

Collections

Credit Control

Risk Management

Compliance

Administrative

Operations

Treasury

Relevant Roles

Credit Controller

Accounts Receivable Manager

Finance Manager

Legal Counsel

Collections Specialist

Business Owner

Financial Administrator

Debt Recovery Officer

Company Secretary

Risk Manager

Compliance Officer

Account Manager

Chief Financial Officer

Legal Administrator

Credit Risk Analyst

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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