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Your Full Name / Business Name
Estate, Town, County +254 7XX XXX XXX | email@example.com
Date
DD/MM/YYYY
Our Reference
DL-001/2025
Via
Hand Delivery / Registered Post / Email
Full Name of Debtor ID No. / Reg. No. Estate, Town, County +254 7XX XXX XXX
RE: FORMAL DEMAND FOR PAYMENT — DESCRIBE THE DEBT / OBLIGATION
Dear Name of Debtor,
We write on behalf of Creditor's Full Name / Company (hereinafter "the Creditor")
to formally demand immediate payment of the sum outstanding as detailed below, which remains unpaid despite prior
verbal / written requests made on date(s) of previous requests.
Principal Amount Owed
KSh XX,XXX
Interest / Penalties (if any)
KSh X,XXX
Total Amount Demanded
KSh XX,XXX
Arising from: e.g. a personal loan advanced on DD/MM/YYYY / unpaid invoices / goods supplied
⏰ You are hereby required to settle the full outstanding amount of KSh XX,XXX
within 14 days of the date of this letter — by DD/MM/YYYY.
Payment should be made to: M-Pesa Till / Paybill / Account Name and Number.
Kindly send proof of payment to phone/email upon settlement.
TAKE NOTICE: Should you fail to make full payment within the stated period,
our client reserves the right — without further notice — to institute legal proceedings against you
in a court of competent jurisdiction in Kenya to recover the full amount, together with interest,
costs and any other amounts legally recoverable. This will result in a court judgment against your name and may affect your credit standing.
We sincerely hope that this matter can be resolved amicably and without recourse to the courts.
If you believe this demand has been issued in error or you wish to dispute the amount, please contact us
in writing within 7 days with supporting documentation.