A Simple Demand Letter is a crucial document in Nigerian debt recovery practice, serving as the initial formal step in collecting outstanding debts or obligations. This document is typically used when informal attempts to collect payment have been unsuccessful and before initiating legal proceedings. The letter must comply with Nigerian legislation, including the Recovery of Debts (Special Provisions) Act and the Limitations Act. It should clearly state the amount owed, the basis of the debt, payment deadline, and potential consequences of non-payment. While not overly complex, the Simple Demand Letter must be professionally drafted to maintain legal validity and demonstrate serious intent to pursue the debt. It's commonly used by businesses, individuals, and their legal representatives across Nigeria as a prerequisite to court action, often resulting in debt resolution without the need for litigation.

1. Sender's Details: Full name, address, and contact information of the creditor or their legal representative

2. Date: Current date of the letter

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

4. Subject Line: Clear identification of the letter as a demand notice and reference number if applicable

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

6. Payment History: Record of any previous payments or partial settlements

7. Legal Basis: Statement of the legal grounds for the demand

8. Demand Statement: Clear statement of the amount demanded and payment deadline

9. Payment Instructions: Specific details of how and where to make the payment

10. Consequences: Statement of potential legal action if payment is not received

11. Closing: Professional closing and signature block