14 Day Demand Letter for the United Kingdom

14 Day Demand Letter Template for England and Wales

A 14 Day Demand Letter is a formal written notice under English and Welsh law that requests payment of an outstanding debt within 14 days. It serves as a final warning before legal proceedings are initiated and typically includes detailed information about the debt, payment requirements, and consequences of non-payment. The letter must comply with pre-action protocols and relevant legislation, including the Late Payment of Commercial Debts (Interest) Act 1998 and Practice Directions for debt claims.

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What is a 14 Day Demand Letter?

The 14 Day Demand Letter is a crucial document in debt recovery procedures under English and Welsh law. It represents a final attempt to secure payment before pursuing legal action and is often required to demonstrate compliance with pre-action protocols. The letter should clearly state the amount owed, provide evidence of the debt, and specify payment terms. It must include sufficient detail about the claim to enable the recipient to understand and respond to it. This document is particularly important as courts expect creditors to have taken reasonable steps to resolve matters before litigation, and a properly drafted demand letter can often prompt payment without the need for court proceedings.

What sections should be included in a 14 Day Demand Letter?

1. Sender Details: Full name, address, and contact information of the creditor

2. Recipient Details: Full name, address of the debtor

3. Debt Details: Amount owed, origin of debt, reference numbers

4. Payment Demand: Clear statement of amount demanded and 14-day deadline

5. Payment Instructions: Bank details or payment methods accepted

6. Legal Consequences: Statement of intended legal action if payment not received

What sections are optional to include in a 14 Day Demand Letter?

1. Interest Calculation: Details of statutory interest applied, used when claiming interest

2. Previous Communications: Reference to prior attempts to collect, used when relevant

3. Payment Plan Options: Alternative payment arrangements, used when willing to negotiate

What schedules should be included in a 14 Day Demand Letter?

1. Statement of Account: Detailed breakdown of the debt and any charges

2. Original Contract: Copy of agreement giving rise to the debt

3. Previous Correspondence: Copies of relevant prior communications

4. Information Sheet: Standard information about debt claims (required for consumer debts)

Authors

Alex Denne

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

Jurisdiction

England and Wales

Publisher

Genie AI

Document Type

Demand Letter

Sector

Marketing

Cost

Free to use
Industries

Late Payment of Commercial Debts (Interest) Act 1998: Governs statutory interest rates and compensation for late payment in commercial transactions. Key consideration for calculating interest claims in demand letters.

Limitation Act 1980: Sets time limits for bringing claims. Ensures the debt isn't statute-barred (6-year limitation period for simple contracts). Must be checked before issuing demand letter.

Consumer Credit Act 1974: Provides consumer protection provisions and regulatory requirements when dealing with consumer debt. Affects format and content of demand letters for consumer debts.

Practice Direction - Pre-Action Conduct and Protocols: Sets out requirements for reasonable steps before court proceedings, including specific content and timing requirements for demand letters.

Pre-Action Protocol for Debt Claims: Details specific requirements for debt collection and mandatory information that must be provided to debtors in demand letters.

Contract Law Principles: Fundamental principles regarding terms of original agreement and elements of breach of contract that must be referenced in demand letter.

Consumer Rights Act 2015: Contains fairness requirements and consumer protection provisions that must be considered when drafting demands to consumers.

GDPR and Data Protection Act 2018: Governs handling of personal information and privacy considerations in correspondence. Must be complied with when drafting and sending demand letters.

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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