Advice 1: How to write a letter of guarantee for payment

At the conclusion of the transaction of purchase and sale or the contract on rendering of services, often the shipment of products or the beginning of contract work is happening without payment. Deferral of payment is granted to the customer on the basis of a business letter that contains the financial obligation to pay the received values in a specified period. This letter relates to the warranty and is, in fact, a credit form, confirming the intention of the borrower to settle the debt.
How to write a letter of guarantee for payment
Instruction
1
Make a guarantee letter on the letterhead or put the corner stamp with a completed company details (name, form of ownership, Bank details and physical address). Register the letter as an outgoing document. In the upper right corner, specify the details of the recipient (full name of organization, position and name of the head).

The letter may include a request for the delivery or the performance of services and to ensure their timely payment. In this case, it will begin with the words "Please do" and the last paragraph of the report "Payment guarantee". For emails that only contain a guarantee of payment, the beginning will "Guarantee payment".
2
Next, list the goods or services that were the subject of concluding a bilateral agreement. Enter the transaction amount in figures and words and terms of payment of these amounts. At the end of the document is mandatory enter the full name, Bank details for transfers and legal address of each party.

Send a letter for signature to the head. In some cases, signed by the chief accountant. Reassure their signature print.
Note
Document guarantee of payment is legal with the right design. That is, the full details of the parties-the contractors, the phrase "payment guarantee", the signatures of the leaders of the organization.
Useful advice
Since the form of such letters is not standardized and approved by any legal acts should be followed in the design style adopted for the other business letters.

Advice 2: How to sign business letter

The etiquette of business communication involves proper preparation written correspondence. And if the templates and caps business letters are issued pretty standard, the signatures in correspondence are given insufficient attention. For the addressee to correctly decode your message, business letter to have legal effect, must correctly and properly submit the official end of a business letter.
How to sign business letter
Instruction
1
Official letters should be printed on a special form, corresponding to the standard. The top sheet of paper needs to be permanent items: cap letters (full and abbreviated company name of the sender, its postal and legal address, telephone and Fax, website), followed by the main text, at the bottom - the signature of the responsible person.
2
The signature box is in the lower left corner directly below the text of a business letter. Before the line for the signature, specify the job title of the person signing the letter, and transcript name. Because a business letter is always issued on the letterhead of the institution, the name of the organization signature do not specify. For example: the General Director of a broadcasting company, signed... A. P. Sidorov.
3
Sometimes business letters required to put two or more signatures, in case if you want to confirm the validity of the first signature or important documents (letters on financial-credit issues should be certified and signed by the chief accountant of the company). Position of the signature is strictly one under another in the sequence, which corresponds to the seniority of the position, from larger to smaller, for example:the Director of the Department, signed... P. V. Troparion
Chief accountant, signature... TS Sobinco.
4
If a letter needs to sign some persons, occupying the same/equal position, put their signatures on one level, for example:Head of Finance Department, signed... P. O. Ivanov, Chief of staff, signed K. O. Petrov.
5
If at the time of signing a business letter the official signing which procured place on the draft form is missing, the document has the authority to sign the person performing his duties, or Deputy. Please enter the actual title of the person whose signature will be on the letter ("acting" or "Deputy") and his name. You can't sign a business letter, using the preposition "for" or a slash in front of the titles.
6
All copies of business letters sent and remaining for filing in the Affairs of organizations must have genuine signatures of the specified officers. Original signature on document (a business letter is a legal document) is the main way to ID it. If the official letter there is no signature, it has no legal force.

Advice 3: How to write a letter for deferment

The financial crisis, violation of the terms of supply, the sluggishness of the banks - a thousand reasons could lead to a situation when it is necessary to recognize the impossibility of timely payments under already signed agreements. In such cases, to avoid the application of counterparty penalties or even termination of the contract should tell a partner about the difficulties encountered and to ask to postpone payment. It is best to make a written request in the form of letters of guarantee.
How to write a letter for deferment
Instruction
1
Such a letter may need to write as an organization for the prevention of litigation due to violations of the schedule of payments, or individual for the purpose of going to the Bank with a request to restructure the system of payments on the loan. In any case, the form of the letter will be about the same.
2
In your organization, use for typing form your company with filled in details, it will save you from having to type them manually. Start writing your letter with details of the recipient in the upper right corner of the sheet in accordance with generally accepted rules of registration of business documents. Here, specify the name of the company. Next format the to write to the chief officer, his surname, name and patronymic. In addition, in the introductory part specify the outgoing number of the document and the date of its publication.
3
At the beginning of the substantive part of the letter necessarily specify the details of the contract (number, date of conclusion) and name the parties to the agreement. Next, list the payment obligations that can not be performed in accordance with the terms of the contract. Describe the situation and ask to defer payment. Here you can specify the conditions under which you are asking for a reprieve. This can be a request not to apply penalties, or on the contrary - consent to payment of interest.
4
In conclusion, write a period in which you undertake to make full payment. Sign the letter and decipher the signature in parentheses. For organizations to prepare a place for signatures, authorized to sign financial documents of the persons (Manager, chief accountant).
Note
Remember that this form of partner notification in some cases unacceptable. Sometimes such changes to the agreement should be formalized in accordance with the terms of the contract or to be guided by article 450 GK the Russian Federation regulating the procedure for changing its terms.
Useful advice
A letter containing a request for deferment of payment can be sent by Fax or e-mail. But it is better to use the services of mail or courier service with condition of delivery notification of delivery. This way you will have proof of your attempt to warn partner about the situation in advance.

Advice 4: How to write a letter to customer

Letter to customer is written in case of impossibility of fulfillment of obligations to them by your organization if he has not transferred money for the goods delivered and if there is a need to inform it about the new range.
How to write a letter to customer
Instruction
1
Start the letter by addressing the person presenting the customer's organization. In this piece of writing relevant are the speed of politeness like "Dear Ivan Andreevich", "Mr. Remizov". If the customer is not a specific person with which it has relationships, please see "Dear Sirs".
2
Introduce yourself, specify the name of your organization. Use standard expressions, e.g., "company "Montazhspetsstroy" expresses You the respect and wishes prosperity to Your organization." This will allow you to target your customer by reading the main text it will not break the head, who is the sender of the letter.
3
Specify what was the reason for the letter. Depends on the form of writing and the content of the message. The most common reason for writing letters to the customer is non payment of goods delivered or services rendered. In this case, refer to the appropriate paragraph of the contract, specify that in the customer responsibilities includes the payment in a specific time frame. If this is not your first letter on this subject, appeal to customer for failure to fulfill obligations prescribed in paragraph X of the contract delivery. Please note that in the case of unpaid accounts you will be forced to go to court.
4
Apologize to the customer if the reason of writing the letter was the inability to deliver the goods to the agreed contract terms. Do not try to explain the reasons why you disrupted delivery dates, the customer is not interested, it is better to inform him about the amount of time your organization will be able to fulfill the obligations under the contract. At the end of the letter use the phrase "Thank you for understanding", "we Hope for further cooperation".
5
Inform the customer about a new product line offered by your company, if your partner does not know about modified range. In this letter it is desirable to specify, what kind of discount a customer will get when making a new supply contract as a regular customer.
6
Sign up at the end of the letter. Leave your contact details so that the customer knows how to communicate with your organization. Wish all the best of the organization and the person submitting it.

Advice 5: How to write a letter for deferment of payment

Letter about postponement of payment allows the borrower to pay the Bank's established payments for a specific period of time. In this case, the client should not be charged any fees or penalties.
How to write a letter for deferment of payment
Instruction
1
Call the Bank and find out if they have forms for writing a letter with a motivated request on the possibility of changes in credit conditions. If your Bank has such forms, then you need to take and fill out. To do so, select the number of the credit agreement, specify its name and enter the Bank name in the top field of the document ("hat"). Next, select two choices of motivation: the reduction or dismissal of, or deterioration of the financial position or reduction of income.
2
Write yourself a letter about the postponement of the payment. This is necessary if your Bank has no appropriate forms. This letter should be made to the Chairman of the Board of the Bank. That is, the "hat" document write "to whom the Chairman of the Board". Next, specify the Bank name, and the name of the chair.
3
Indicate below from whom written the letter. For example: "from whom Mary Alexeevna Ivanova". As a rule, the letter itself may be written in free form. Therefore, I can write in this way: "I, Maria A. Ivanova, am a customer of your Bank (check here what time you are already a customer of the Bank). On the basis of the credit agreement (specify the number of your contract on the loan), I ask you (here enter the name of the Chairman of the Bank) to provide me with a deferment of payment for (indicate for what period of time you would like to get a deferral). Due to the fact that". Then write what was the reason you suddenly need a delay, i.e. why you are able to pay for the loan.
4
Please note that in the letter about the postponement of the payment should contain only real data. Therefore, write as is actually. For example, if you need to defer payment because of the delay of salaries, lack of permanent job, then write.
5
Signature, transcript of signature and the date of preparation of this document.
6
Take the finished letter to the Bank and, necessarily, endorse his appointment with the administrator or the Secretary.
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