The Demand Notice For Loan Repayment is a critical document in Hong Kong's lending landscape, used when a borrower has defaulted on their loan obligations or failed to maintain the agreed payment schedule. It represents a formal step in the debt recovery process, typically issued after informal collection attempts have been unsuccessful but before initiating legal proceedings. The notice must comply with Hong Kong's legal requirements, particularly the Money Lenders Ordinance and debt collection regulations. It should clearly state the outstanding amount, payment terms, and consequences of non-payment. This document is commonly used by financial institutions, licensed money lenders, and other creditors in both consumer and commercial lending contexts, serving as both a formal demand and a legal prerequisite for potential court action.
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1. Sender Details: Full name, address, and contact information of the creditor/lender
2. Date: Current date of the notice
3. Recipient Details: Full name and address of the debtor
4. Reference Line: Reference to the original loan agreement including date and any reference numbers
5. Subject Line: Clear indication that this is a Demand Notice for Loan Repayment
6. Loan Details: Summary of the original loan agreement terms including date, principal amount, and interest rate
7. Default Statement: Statement describing the default or breach of loan agreement
8. Amount Due: Clear statement of the total amount due, broken down into principal, interest, and any penalties
9. Demand Statement: Formal demand for immediate repayment of the outstanding amount
10. Payment Instructions: Specific instructions on how and where to make the payment
11. Deadline: Clear statement of the deadline for payment
12. Legal Consequences: Statement of legal actions that may be taken if payment is not received
13. Closing: Formal closing and signature block
1. Previous Correspondence Reference: Include when there have been previous demands or correspondence regarding the default
2. Security Details: Include when the loan is secured by specific assets or guarantees
3. Settlement Options: Include when the lender is willing to discuss payment plans or settlement options
4. Legal Representative Details: Include when the notice is being sent through legal representatives
5. Without Prejudice Statement: Include when the creditor wishes to reserve legal rights while offering settlement options
1. Schedule A - Loan Account Statement: Detailed breakdown of the loan account showing all transactions, payments, interest calculations, and current balance
2. Schedule B - Payment History: Record of all payments made and missed payments
3. Schedule C - Interest Calculation: Detailed calculation of interest and any default interest applied
4. Appendix 1 - Copy of Loan Agreement: Copy of the original loan agreement referenced in the demand notice
5. Appendix 2 - Previous Notices: Copies of any previous demands or relevant correspondence
Relevant legal definitions
Loan Agreement
Original Facility
Principal Amount
Interest Rate
Default Interest Rate
Due Date
Outstanding Amount
Default Event
Payment Date
Business Day
Banking Day
HKD
Creditor
Debtor
Security
Guarantor
Authorized Representative
Demand Period
Late Payment Charges
Accrued Interest
Default Notice
Legal Proceedings
Enforcement Action
Payment Instructions
Settlement Amount
Original Facility
Principal Amount
Interest Rate
Default Interest Rate
Due Date
Outstanding Amount
Default Event
Payment Date
Business Day
Banking Day
HKD
Creditor
Debtor
Security
Guarantor
Authorized Representative
Demand Period
Late Payment Charges
Accrued Interest
Default Notice
Legal Proceedings
Enforcement Action
Payment Instructions
Settlement Amount
Clauses
Relevant Industries
Banking
Financial Services
Consumer Finance
Corporate Finance
Legal Services
Money Lending
Debt Collection
Investment
Real Estate Finance
Asset Management
Credit Services
Commercial Banking
Relevant Teams
Legal
Credit Risk
Collections
Compliance
Finance
Credit Administration
Debt Recovery
Account Management
Corporate Banking
Risk Management
Operations
Relevant Roles
Credit Manager
Collections Officer
Legal Counsel
Loan Officer
Risk Manager
Debt Recovery Specialist
Compliance Officer
Credit Risk Officer
Financial Controller
Legal Manager
Account Manager
Recovery Manager
Banking Officer
Finance Director
Credit Administrator
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