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The Informal Demand Letter is a crucial business document used in New Zealand when seeking payment of outstanding debts or obligations. It serves as an important preliminary step in the debt recovery process, positioned between informal reminders and formal legal proceedings. This document type is commonly used when previous payment requests have been unsuccessful but the creditor wishes to maintain a professional approach before pursuing legal action. The letter must comply with New Zealand legislation, including the Fair Trading Act 1986 and the Contract and Commercial Law Act 2017, ensuring no misleading statements or unfair practices are employed. An Informal Demand Letter typically includes detailed information about the debt, payment history, clear payment instructions, and potential consequences of non-payment, while maintaining a firm but professional tone that leaves room for amicable resolution.

1. Sender's Details: Full name, address, and contact information of the person or entity making the demand

2. Date: Current date of the letter

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

4. Subject Line: Clear indication that this is a demand for payment

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

6. Payment History: Brief summary of any payments made and current outstanding balance

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

8. Payment Instructions: Specific details on how and where to make the payment

9. Consequence Statement: Professional statement about potential next steps if payment is not received

10. Closing: Professional closing with sender's signature and contact information