When to use it
Enclose it every time you escalate — reminder, formal demand, hand-over. A debtor who owes on eight invoices has a built-in excuse: he does not know exactly what he owes, and he can play for time by asking for a statement. The statement of account removes it. It is also the enclosure the bailiff's court and the trustee ask for, and if you have it in place from day one, you save weeks later.
It has to be right
The wording is rarely the problem. It is the deadline, the fee and what the letter leaves out — and the mistake costs you the expenses, not the debtor.
- One line per invoice with number, date, due date and amount — not merely a single total
- Show payments received separately, so the balance can be checked
- State interest and fees separately. A single figure without specification invites a dispute
- Send it with every escalation. It is what makes the claim indisputable
How to fill it in
Most placeholders are trivial. These are not.
- The invoice lines
- One line per invoice. A single total without specification is not a statement — it is an assertion, and it can be disputed.
- The interest calculation
- Interest runs on the principal, not on the total claim including fees. The reference rate changes on 1 January and 1 July, so a claim spanning several half-year periods must be calculated with the changing rates.
Frequently asked questions
Must the statement of account be enclosed with the reminder?
It is not a statutory requirement. But it is what makes the claim indisputable — and an indisputable claim can take the fast route through the payment order procedure (betalingspåkrav) instead of a full lawsuit.
What if the debtor disputes a single invoice?
Then you collect the rest. An objection to one invoice out of eight must not halt the other seven — it is one of the most frequent and most expensive misunderstandings in debt collection.
Legal disclaimer. The template is generic and free to use. It is not legal advice and does not take account of the circumstances of your particular case. Rates, deadlines and statutory references change — check them before you use the document. If the claim is large, disputed or heading for court, call us before you send anything.