Notify a Debtor of a Returned Check

Your check #123 in the amount of $125.00 was returned to us marked "insufficient funds." Please send us a cashier's check or money order in the amount of $140.00 ($125.00 + $15.00 returned check fee) no later than March 31, 2019. If you have any questions about this, please call me at 555-5555. Thank you for your cooperation.

Letter #2

We are sorry to inform you that check #123 for $100 was returned to our store due to insufficient funds in your account. Please correct this situation as soon as possible. You may do this by bringing cash or a money order for the full amount plus $15 for the returned check fee, for a total of $115, to the service desk in our store. We appreciate your long relationship with our store and value your business. Thank you for your prompt attention to this matter.

Letter #3

Doe bank has notified us that your check #1234, in the amount of $343.50, is drawn on insufficient funds. We require a $20.00 returned check fee in addition to the original amount. Please remit $363.50 in the form of cashier's check or money order by November 1. Thank you for your prompt attention to this matter.

Letter #4

I have been notified that your layaway installment check #123, in the amount of $25.00, has been returned by your bank due to insufficient funds. As I am certain this is due to an oversight, you may avoid our $25.00 returned check fee by making the layaway payment in cash at our customer service desk during business hours before November 15. We thank you for your business and appreciate your cooperation.

How to Write this Credit Letter: Expert Tips and Guidelines

This letter's purpose is to notify a debtor that the bank returned a check due to insufficient funds. Since you still must recover the funds the debtor owes you, you should use a firm but courteous tone.

Steps

Notify your customer that the check he or she used for payment has been returned. Specifically mention the check number and amount.
Request immediate payment. Be specific about the type of payment you now require, such as a cashier's check or a money order. Specify the amount of any penalty to be added.
Thank the customer for his or her cooperation in correcting the situation.

Write Your credit in Minutes: Easy Step-by-Step Guide with Sample Sentences and Phrases

1 Notify your customer that the check he or she used for payment has been returned. Specifically mention the check number and amount.

Sample Sentences for Step 1

Your check #928 for $575.00, which you mailed to us for last month's rent, has been returned marked "insufficient funds."
Your check #213 for $75.00 was returned to my office marked "Account closed."
The check you gave our cashier in the amount of $212.67 was returned to us due to insufficient funds in your bank account.
We received your check (#715) for $25.00; however, the bank has returned that check marked "insufficient funds."
The check #2101 you sent us on May 5 in the amount of $53.69 has been returned from the bank stamped "insufficient funds."
Enclosed is check #107 for $799.00. The bank returned it to us with an explanation that your account was overdrawn.

Key Phrases for Step 1

enclosed is check #
has been returned to us
has again been returned to us
have not heard from you since
in the amount of
insufficient funds in
marked "insufficient fund."
marked "Account close."
redeposited your check
returned to my office
the bank has returned your check #
the check you gave our cashier
the check you sent us on
was returned unpaid
was returned by your bank
which we deposited on
which we received on
which you mailed to us
with an explanation that

2 Request immediate payment. Be specific about the type of payment you now require, such as a cashier's check or a money order. Specify the amount of any penalty to be added.

Sample Sentences for Step 2

To avoid a penalty, please pay the full amount due immediately with a cashier's check or money order. Payments not made by the end of this month are automatically registered with a collection agency.
Please call us immediately to clear up this problem.
I now must ask you to resubmit payment in the form of a money order or cashier's check.
Please send us a new check for the full amount of your bill plus the $15.00 penalty before June 15.
Please remedy this situation by sending us a money order for $49.99 ($29.99 for the outstanding bill plus $20.00 for the returned check fee).
Please send us your payment within the week. If we receive your check before January 10, this overdraft will not adversely affect your credit line with us.
We would appreciate a replacement payment by December 10.
Because your bank account lacked sufficient reserves to cover your last check, we ask that you now send a money order or cashier's check for the full amount.

Key Phrases for Step 2

a collection agency
as well as the returned check charge of
as a replacement
ask that you now send
avoid accruing additional interest
avoid turning this over to
avoid further problems
balance is due immediately
by return mail
call us right away
cashier's check or money order
clear up this problem
could negatively affect your
in addition to the bank charge of
keep your account current
must receive payment by
need to receive payment by
pay by certified check
pay your bill by
please pay the full amount
potential damage to your credit rating
receive your payment within
remedy this situation by
resubmit payment in the form of
send payment in the form of
unless we receive payment by

3 Thank the customer for his or her cooperation in correcting the situation.

Sample Sentences for Step 3

Thank you for your understanding and cooperation.
We would appreciate your immediate and full cooperation.
Thank you in advance for your prompt response. If I may assist you with this matter, call my office at 555-5555.
It is extremely important that you act immediately. Thank you for your cooperation.

Key Phrases for Step 3

as soon as possible
assist you with this matter
call my office at
correcting this situation
for your cooperation in this matter
for your cooperation
immediate and full cooperation
in resolving this problem
is extremely important that
look forward to
need not be reflected on your credit record
resolve this situation
resolve the matter immediately
thank you for
trust that you will
understand our position
will appreciate your
will be happy to
your prompt response