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1. Recipient Details: Full name and address of the mortgage holder
2. Account Information: Mortgage account number and property address
3. Outstanding Amount: Clear breakdown of the total amount due, including principal, interest, and any fees
4. Payment Deadline: Specific date by which payment must be made
5. Payment Instructions: How and where to make the payment
6. Consequences of Non-Payment: Clear statement of what actions may be taken if payment is not received
1. Payment Plan Options: Details of alternative payment arrangements - include when the borrower has previously contacted regarding payment difficulties
2. Financial Advice Services: Information about independent financial advice services - include when required by FCA guidelines for customers in financial difficulty
3. Previous Communications Reference: Reference to prior correspondence - include when this is not the first demand letter
1. Statement of Account: Detailed breakdown of the mortgage account
2. Payment History: Record of previous payments and missed payments
3. Information Sheet: Standard FCA information sheet about mortgage arrears
4. Contact Form: Form for updating contact details or requesting assistance
Borrower
Property
Mortgage Account
Mortgage Agreement
Default
Arrears
Outstanding Balance
Due Date
Interest Rate
Payment Period
Late Payment Fee
Early Repayment Charge
Security
Term
Guarantor
Business Day
Regulatory Authority
FCA
Notice Period
Possession Proceedings
Repayment Plan
Payment Schedule
Default Interest Rate
Costs
Payment Terms
Default Notice
Demand for Payment
Remedial Actions
Interest Calculation
Late Payment Penalties
Enforcement Rights
Property Security
Legal Consequences
Payment Options
Repayment Methods
Contact Information
Regulatory Compliance
Customer Rights
Dispute Resolution
Time Limits
Further Action
Data Protection
Complaint Procedures
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