Collection Removal Letter Template for Singapore

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Key Requirements PROMPT example:

Collection Removal Letter

"I need a Collection Removal Letter to request cessation of debt collection activities from ABC Collections Agency regarding my fully paid telecommunications bill (Account #TX-2345), which was settled on January 15, 2025, but is still showing as an active collection account."

What is a Collection Removal Letter?

The Collection Removal Letter is a critical document in Singapore's debt collection landscape, used when a debtor needs to formally request the termination of collection activities. This document is particularly relevant when a debt has been paid, incorrectly assigned, or resolved through settlement. The letter must adhere to Singapore's strict regulatory framework, including the Personal Data Protection Act and Banking Act, while ensuring clear communication of the request and supporting evidence. The Collection Removal Letter serves as a formal record of the request and can be crucial in preventing future collection attempts or legal disputes.

What sections should be included in a Collection Removal Letter?

1. Sender Details: Complete contact information of the sender/creditor including name, address, and contact numbers

2. Recipient Details: Complete contact information of the recipient/debtor including name, address, and reference numbers

3. Debt Reference: Clear identification of the debt account/reference number and original debt details

4. Removal Request: Formal statement requesting removal from collection activities and cessation of all collection efforts

5. Reason for Removal: Clear explanation of why collection activities should cease, including relevant evidence or reference

What sections are optional to include in a Collection Removal Letter?

1. Payment Evidence Statement: Section referencing attached payment evidence when removal is requested due to completed payment

2. Settlement Agreement Reference: Section referencing any settlement agreement that forms the basis for the removal request

3. Legal Representative Statement: Section including legal representation details and authority to act on behalf of the sender

What schedules should be included in a Collection Removal Letter?

1. Schedule A - Payment Evidence: Copies of payment receipts, bank transfers, or other proof of payment documents

2. Schedule B - Settlement Agreement: Copy of executed settlement agreement if applicable

3. Schedule C - Previous Correspondence: Copies of relevant previous communications regarding the debt collection

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

Industries

Personal Data Protection Act (PDPA) 2012: Primary legislation governing the collection, use, and disclosure of personal data in Singapore. Includes provisions for the right to withdraw consent for data usage, crucial for handling debtor's personal information in collection letters.

Banking Act (Cap. 19): Regulates banking institutions in Singapore and their practices, including regulations regarding debt collection practices by financial institutions.

Moneylenders Act (Cap. 188): Governs licensed moneylenders in Singapore and establishes rules regarding debt collection practices and communication methods with debtors.

Consumer Protection (Fair Trading) Act: Protects consumers against unfair practices in Singapore, particularly relevant for consumer debt situations and ensuring fair collection practices.

Debt Collection Guidelines by Singapore Police Force: Official guidelines (not legislation) that outline acceptable debt collection practices and prohibit harassment or threatening behavior in Singapore.

Limitation Act (Cap. 163): Establishes statute of limitations for debt collection in Singapore, defining time limits for bringing claims related to debt collection.

Criminal Law (Temporary Provisions) Act: Contains provisions against harassment and intimidation, ensuring collection removal letters do not constitute harassment under Singapore law.

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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