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Dispute Letter For Charge Off

Dispute Letter For Charge Off Template for Nigeria

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Key Requirements PROMPT example:

Dispute Letter For Charge Off

"I need a Dispute Letter For Charge Off to contest a N5,000,000 charge-off by First Bank Nigeria that occurred due to a documented system error on March 15, 2025, with evidence of timely payments from my account statements."

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Document background
The Dispute Letter For Charge Off is a critical document used when an account holder needs to formally contest a debt that has been charged off by a Nigerian financial institution. This document becomes necessary when there are discrepancies, errors, or disputes regarding the charged-off amount, or when the account holder believes the charge-off was inappropriate. The letter must comply with Nigerian banking regulations, particularly the Central Bank of Nigeria Act 2007 and BOFIA 2020, and should include detailed account information, specific dispute grounds, and supporting documentation. It serves as an official record of the dispute and can be used in further legal proceedings if necessary. The document is particularly relevant in cases where credit bureau corrections are needed or when seeking to negotiate settlement terms with the creditor.
Suggested Sections

1. Sender's Information: Complete contact details of the sender including name, address, phone number, and email

2. Date: Current date of the letter

3. Recipient's Information: Complete details of the creditor/collection agency including name, address, and department

4. Account Information: Relevant account numbers, reference numbers, and any other identifying information

5. Subject Line: Clear indication that this is a formal dispute of a charge-off

6. Opening Statement: Formal declaration of dispute and reference to the relevant account

7. Dispute Details: Specific details about why the charge-off is being disputed, including relevant dates and amounts

8. Legal Basis: Reference to relevant Nigerian banking and consumer protection laws supporting the dispute

9. Request for Verification: Formal request for account verification and supporting documentation

10. Action Items: Clear list of requested actions from the recipient

11. Response Timeline: Specification of expected response timeframe

12. Closing Statement: Professional closing with clear contact information for response

Optional Sections

1. Previous Correspondence Reference: Include when there has been prior communication about the dispute

2. Legal Representation Statement: Include when the letter is being sent by or through a legal representative

3. Settlement Proposal: Include when proposing a specific settlement arrangement

4. Credit Bureau Notification: Include when specifically requesting credit bureau corrections

5. Hardship Declaration: Include when the dispute involves financial hardship circumstances

6. Third-Party Authorization: Include when authorizing a third party to act on your behalf

Suggested Schedules

1. Account Statement Copy: Copy of relevant account statements showing disputed transactions

2. Payment History: Documentation of payment history if relevant to the dispute

3. Prior Communications Log: Copies of previous correspondence regarding the dispute

4. Supporting Evidence: Any additional documentation supporting the dispute claim

5. Proof of Identity: Copies of identification documents as required by Nigerian banking regulations

6. Authorization Documents: Any required authorization forms or power of attorney documents if applicable

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions




















Clauses




















Relevant Industries

Banking

Financial Services

Consumer Finance

Debt Collection

Legal Services

Credit Reporting

Consumer Protection

Retail Banking

Commercial Banking

Relevant Teams

Legal

Credit Operations

Collections

Dispute Resolution

Risk Management

Compliance

Customer Service

Account Management

Credit Administration

Consumer Protection

Relevant Roles

Credit Manager

Collections Manager

Dispute Resolution Officer

Account Manager

Legal Compliance Officer

Consumer Protection Officer

Credit Operations Manager

Risk Assessment Manager

Customer Service Manager

Banking Operations Manager

Legal Counsel

Financial Services Manager

Debt Recovery Officer

Industries






Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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