1. Previous Correspondence Reference: Reference to previous payment requests or relevant correspondence, used when there have been prior attempts to collect

2. Interest Calculation: Breakdown of any interest charges applied, used when charging interest on the outstanding amount

3. Payment Plan Option: Proposed payment plan terms, used when willing to accept installment payments

4. Contract Reference: Reference to the original contract or agreement, used when the debt arises from a specific contract

5. Without Prejudice: Legal disclaimer protecting the creditor's rights, used in cases where negotiation might be ongoing

1. Statement of Account: Detailed breakdown of the debt, including original amount, interest, penalties, and payments received

2. Supporting Documents: Copies of relevant invoices, contracts, or other documents evidencing the debt

3. Payment History Record: Chronological record of all payments and attempts to collect

4. Interest Calculation Schedule: Detailed calculation of interest charges if applicable