Final demand for payment before legal action (Cyprus)
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This document is in Greek
The PDF you download is in Greek — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.
A creditor's last written demand in Cyprus to a debtor who has not paid, before a claim in the District Court. It states the sum in figures and words, what it is for, the document behind it and the due date, with the documents attached, gives a number of days to pay into a bank account, asks for a written reply within 14 days, as the Civil Procedure Rules require before a claim for a sum of money, leaves room for a written instalment agreement and warns of legal action with interest and costs. In Cyprus a demand is a letter: it is sent by registered post or by hand against a signature.
What you fill in
The details the document asks for.
- City
- Date
- Creditor
- Creditor's address
- Debtor
- Debtor's address
- Amount due
- Amount in words
- Basis of the obligation
- Document proving the debt (e.g. loan agreement of …)
- Due date
- Payment term (days)
- IBAN
- Contact
- Attachments
Preview
This document is produced for you. Your answers are typed into it and the finished PDF is yours to keep.
Common questions
- How is a demand for payment sent in Cyprus so that it can be proved?
- By registered post or by hand against a signature, to the debtor's address. Cyprus has no bailiff-served notice of the Greek kind: a demand is a letter, and what matters is being able to prove what was sent and when. Keep a copy and the post office receipt or the signed acknowledgement, and send the text by email too if you have an address.
- Do you need a lawyer to send a demand for payment in Cyprus?
- No. The creditor can send it personally, under their own signature. In practice a lawyer's letter often carries more weight with a Cypriot debtor and is the usual step before a lawsuit, and a claim in the District Court is usually filed through a lawyer. A clear demand with a deadline, sent by the creditor, settles many cases at no cost.
- What happens if a debtor in Cyprus ignores the final demand for payment?
- If the debtor neither pays nor replies within 14 days, the creditor can file a claim in the competent District Court, usually through a lawyer, for the sum, interest and costs. The Civil Procedure Rules require a letter like this before the claim, and a party who does not follow them can be penalised in costs; the letter and proof of its sending show that they were followed. A contract claim is time-barred after six years (Law 66(I)/2012). If judgment is given and the debtor still does not pay, it is enforced by the means the law provides.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
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