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1 THE REMINDERS REMINDERS TO VERY OLD ACCOUNTS I'm new here and your account is really old - please pay or call me... 1 Your account is really old but we can't help you if you don't contact us... 2 We've tried to be nice. You've abused us. We've had enough... 3 We have to tighten things up... 4 CIRCULARS Our terms are now 14 days... 5 The overdue amounts are highlighted on your statement... 6 You'd better pay - or we'll be phoning you next week... 7 Reconcile your account and pay - or we'll be phoning you... 8 FIRST REMINDER REMINDERS We don't appear to have your payment... 9 Your account is due - please pay Your account is due - to keep fees low, please pay We've already tried phoning, but we'll get you next time - maybe SECOND REMINDER REMINDERS We value your custom - please pay We hope to hear from you very soon Have you overlooked this account? This is our second reminder - please pay Not only didn't you pay the last one - the next one's due now THIRD REMINDER REMINDERS (SOFT) If you haven't got the lot, you can pay us like this We know it's tough - but pay something Your account is well overdue - you need to do something THIRD REMINDER REMINDERS (HARD) We re happy to accept an arrangement - as long as it s in writing Are you ignoring us? Sort your problem out We keep writing, you keep doing nothing. What choice do we have? THANK YOU REMINDERS Thanks for the part payment - pay the rest like this Thanks for your payment, but we need the rest - now Thanks for your payment, please send the rest... 27
2 ARRANGEMENT REMINDERS We can t wait that long, what about this? It's OK to pay when that happens We are happy to confirm this payment arrangement This is the arrangement we made Pay all future fees promptly and you can pay the old balance off This is our second and final arrangement with you SOFT REMINDERS FROM THE PARTNER Hey - we were friends, talk to me Hey - we were friends, talk to me (shorter version) We can't ask forever HARD REMINDERS FROM THE PARTNER Talk to me or we'll have no option but to sue Your account has been given to me to action I m under pressure from the other Directors Pay this reduced amount - and we'll call it quits BROKEN PAYMENT ARRANGEMENT REMINDERS (SOFT) You said you'd pay in bits - but you haven't If that hasn't happened then pay us in bits until it does If you were in our position, what would you do? We agreed you could pay it off - so pay BROKEN PAYMENT ARRANGEMENT REMINDERS (HARD) This account's very old, you said you'd pay but you haven't We made an agreement, you've broken it - pay or we'll sue LETTERS OF DEMAND (SOFT) You're ignoring us - not good. Give this some priority now Sort your problem out I mean we've tried everything. 3 weeks more - but that's it LETTERS OF DEMAND (HARD) What happens next is entirely up to you No more - that's it - we've really had enough now Enough's enough, pay up We can t chase you forever This is your last chance... 54
3 DISPUTE REPLIES - WHERE THE CLIENT IS CORRECT OK, OK - you're right, we're sorry I agree. We re wrong. Sorry DISPUTE REPLIES - WHERE THE CLIENT IS WRONG We are right, but will take less just to clear this up Nope, sorry. Can't agree No - our fee is reasonable, pay up That's plain rude - pay up or we'll sue you What do you mean you're not paying? You'd better LAST CHANCE Tell us what your complaint is or shut up Don t mess with us OK OK, If you don t pay we ll wreck your credit rating Hey, look, we ve already started to sue you MISCELLANEOUS It's OK to pay when that happens - but we need part-payments until it does Please reconcile this lot and settle up If your client won't pay you, that's your problem. Pay us now Sorry, no more work until you pay up Pay this reduced amount or we'll sue you for the lot You hung up on me - now I'm steamed! Oh, just go away will you This is what s due at the end of the month... 73
4 WE HAVE TO TIGHTEN THINGS UP... 4 Back to The Reminders Camelots Pty Ltd Excalibur Parade, Avalon Mr and Mrs Geoffrey Monmouth 2 Lakeview Avenue WINCHESTER NSW 1234 Dear Mr and Mrs Monmouth, Invoice for: Monmouth Pty Ltd Invoice No/s: Unpaid Balance: $4, In the light of the current economic circumstances the firm has had to look very carefully at its credit policy and it has become obvious that over the last twelve months more clients than normal have been taking far longer to settle their invoices than in the past. This has made it difficult for us to operate within normal overdraft arrangements and resulted in higher interest charges. Also, most clients' work is carried out over a period of time, so there is often a significant time delay between incurring costs and rendering an account compounding this issue. As a result of the above, the firm is now contacting any clients with fees that are currently 90+ days overdue (where there are no queries or exceptional circumstances) and asking them to either pay the overdue balance in full, advise when payment may be expected, or submit a reasonable payment offer for consideration by the Board by the close of business of {insert date here... about 10 days after the date of your letter/ }. We look forward to hearing from you shortly. Arthur King Partner
5 HEY - WE WERE FRIENDS, TALK TO ME (SHORTER VERSION) Back to The Reminders Camelots Pty Ltd Excalibur Parade, Avalon Mr and Mrs Geoffrey Monmouth 2 Lakeview Avenue WINCHESTER NSW 1234 Hi Geoff, I hope this note finds you well? I am writing personally to you in relation to the attached outstanding fees as I am being placed in a difficult position by the other Directors who are insisting that some action be taken for recovery. The total amount due is $2, Our normal policy is that if fees are outstanding more than 90 days, either a mutually acceptable arrangement is entered into for payment or legal action is commenced for recovery. Considering that the amount is now well overdue, I would appreciate it if you could settle the account as soon as possible. If you would like to pay the amount in 2 instalments, I would be happy to accept this also. I would be most grateful for your reply so that this problem can be resolved and you can advise when the amount outstanding will be settled. Kind Regards, Arthur King Partner
6 OK. OK. IF YOU DON T PAY WE LL WRECK YOUR CREDIT RATING Back to The Reminders Camelots Pty Ltd Excalibur Parade, Avalon Mr and Mrs Geoffrey Monmouth 2 Lakeview Avenue WINCHESTER NSW 1234 Dear Mr and Mrs Monmouth, Re: Outstanding Fees - ${Amount} We refer to the above outstanding balance and note that, despite numerous requests for payment, this matter remains outstanding. We are now left with no alternative other than to advise you that unless we receive payment for the full balance of this account on or before [time] of [day & date] we will be listing you as a default account with Veda Advantage Limited. For your information, a listed default account on your credit file with this credit bureau will adversely affect your ability to obtain finance or credit from most sources for a period of up to five (5) years. If you wish to prevent this, please contact the undersigned as a matter of urgency or settle your account before the above date. Yours sincerely, Lance Erlott Manager - Accounts Receivable
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