- Mention the actual issue and your expected resolution. Do not blame or threaten the reader especially if this is the first letter. If the issue is not resolved, you may state your planned course of action.
- Mention the problem and your disagreement.
- Support your point of view with appropriate evidence.
- Mention the solution that you would like to see. Also, state what measures you are ready to take to get the desired results.
- Thank the reader and express your confidence to reach an amicable solution.
[State, ZIP Code]
[State, ZIP Code]
[Subject: Normally bold, summarizes the intention of the letter] -Optional-
Dear [Recipients Name],
On March 1, 2010, I received a statement of account for $540 from Luther Corporation dated February 28, 2010. I admit that I applied for a loan from your company, but I have already paid the full amount on January 30, 2010, as shown in the attached copy of the returned check certified by a Luther employee. It is stated in the loan agreement that I should pay $150 a month until I have paid the full amount.
Other than those above, the agreement also states that Luther will not charge any penalty for the loan's prepayment. The February 28 shows that the $540 that you are asking from me is a penalty. I cannot grant your request because this is against our contract. Moreover, I have fully complied with our agreement, and I am hoping that Luther Corporation will return the promissory note a week from now. I appreciate your fast action on this matter.
[Senders Title] -Optional-
[Enclosures: number] - Optional -
cc: [Name of copy recipient] - Optional -
Sample disagreement letter concerning a loan payment.
Further things to consider when writing disagreement letters to banks
Disagreement letters are letters written when someone disapproves the opinion of the other person. They allow you to express your frustrations or concerns assertively and constructively. There are many situations that might force you to write a disagreement letter. For instance, an accusation of a company policy violation, poor performance rating, or wrongful discharge. It may also be a local government decision that could affect your property. When these things happen, you may feel defensive and angry, and it is important that you calm down and clear your head before expressing your opinion.
Disagreement letters must be written in a manner that expresses your opinion clearly. Outline the disagreement and briefly explain how you think it can best be resolved. Maintain a professional tone throughout the letter and avoid being rude to the recipient. Keep the letter brief and to the point and avoid adding unnecessary details that might confuse the issue or the recipient. Be constructive and back up your opinions with evidence, pointing out the specific error or concern respectfully. Avoid accusations and threats despite how you feel. End the letter with a positive tone that displays your confidence in resolving the issue.
Letters to Banks
Letters to banks are letters sent specifically to the banks by their customers. The letters can be addressed to bank managers or any other relevant bank official, based on the situation at hand. There are various reasons why you may want to write a letter to the bank. The most common ones include to request for a new ATM card, to ask for funds transfer from one account to another, or to open or close an account. You can also write to inform the bank about a phone number or postal address change. In all these situations, letters to the bank must remain formal and professional.
Before writing letters to banks, you need to make sure that you have all the information the bank may need regarding your account. Use the standard business greetings. If you know the recipient's name, write to him/her by name. Mention the purpose of the letter. Provide all the necessary information such as account number, name, postal and email address, contact number, etc. as registered with the bank. Be specific and avoid writing the same thing twice. Keep the letter simple and concise. Wrap the letter up by calling the recipient to appropriate action.