- •Payment 3 settling accounts
- •1.1 The buyer advises of payment
- •1.2 The seller acknowledges payment
- •2.1 Requesting time to pay
- •2.2 Offering a compromise
- •3.1 Informing of delay in payment
- •3.2 Clearing a problem of non-payment
- •4.1 First reminder
- •4.2 Second reminder
- •4.3 Third request (final demand)
- •Vocabulary
4.1 First reminder
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ALFACOMPUTERS LTD. 78 Jaakaren Katu, HH 8 BBB, Helsinki
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Our ref. Your ref.
November 1, 20__
OAO MiniComputers Russia Moscow I.Franko 40/12
Dear Mr Lapov,
Statement of Account – Reminder No. 1
Please find attached hereto a statement of account showing a debit balance of €15,000.00 at October 12. Also, please note that our invoice ref. NP/ l056 for €10,000.00 is 20 days overdue.
We should appreciate it if you would settle your account as soon as possible. If you have already instructed your bank to proceed with payment, kindly disregard this reminder.
Yours sincerely, M.Haakkinen M.Haakkinen Finance Department
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4.2 Second reminder
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ALFACOMPUTERS LTD. 78 Jaakaren Katu, HH 8 BBB, Helsinki
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Our ref. Your ref.
November 15, 20__ OAO MiniComputers Russia Moscow I.Franko 40/12
Dear Mr Lapov,
Statement of Account – Reminder No. 2
Attached hereto you will find a statement of your account, which shows a debit balance of €15,000.00 at October 12. It further appears from this statement that the amount €10,000.00 is now more than one month overdue.
This is the second time that we have had to remind you that you are contractually obliged to settle your invoices within 30 days of their date of issue; and that your maximum authorized debit balance at any given time is fixed at €6,000.00.
In view of our long-standing business relations, we are reluctant to take drastic steps to recover our money. We would much rather negotiate a scheduled payment of your debt.
Accordingly, we invite you either to settle your account or to contact us within the next seven days so that we could resolve this problem.
Yours sincerely, M.Haakkinen M.Haakkinen Finance Department
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4.3 Third request (final demand)
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ALFACOMPUTERS LTD. 78 Jaakaren Katu, HH 8 BBB, Helsinki
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Our ref. Your ref.
December 2, 20__ OAO MiniComputers Russia Moscow I.Franko 40/12
Dear Mr Lapov,
Account No. NP/1056
We wrote to you on two occasions November 1 and November 15 concerning the above account which now has an outstanding balance of €25, 000 and is made up as per the copies of invoices enclosed.
We have waited two months for either a reply to explain why the balance has not been cleared, or a remittance, but have received neither.
Though we are reluctant to take legal action to recover the amount, you leave ALFACOMPUTERS Ltd. no alternative. Therefore, unless we receive your remittance within the next ten days, our lawyers will be instructed to start proceedings to recover the debt.
Yours sincerely, M.Haakkinen M.Haakkinen Finance Department
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FOCUS 2. Comprehension questions.
LEAD-IN
? What types can letters on payment be classified into?
LETTER 1.1
? What is the method of payment?
? When will the consignment be collected?
? When will the draft be met?
? What bank is to accept the bill?
? What is enclosed with the letter?
LETTER 1.2
? What advice has been received by the Seller from the bank?
? How does the Seller encourage the Buyer to conduct further business?
LETTER 2.1
? What was received by the Buyer?
? What made the Buyer write to the Seller?
? Why does the Buyer ask for two-months’ extension of credit?
? What terms of payment are used in this particular case?
LETTER 2.2
? Why does the Seller refuse to meet the Buyer’s request?
? What compromise is offered by the Seller?
? What extension of credit is the Seller prepared to offer?
LETTER 3.1
? What problem made the Seller write the letter?
? What are the agreed terms of payment?
? Against what documents is payment to be made?
? Why is the Seller willing to offer help to the Buyer to settle possible problems?
LETTER 3.2
? Why was the Buyer surprised at the contents of the Seller’s letter?
? What instructions were given by the Buyer to the bank?
? Why was the Buyer sure that the money had been credited to the Seller’s account?
? What possible explanation is given by the Buyer?
? What does the Buyer propose to the Seller in this instance?
LETTER 4.1
? What is attached to the letter?
? What is the balance of the statement of account at 12 October?
? How long has payment on invoice No. NP/1056 been delayed?
? What is requested by the Seller?
LETTER 4.2
? Why has the Seller again attached the statement of account?
? What is the delay in payment of invoice No. NP/1056 at present?
? What are the Buyer’s payment obligations under the contract?
? What is the maximum authorized debit balance at any given time?
? Why is the Seller reluctant to take drastic steps to recover the money?
? What is the Seller ready to negotiate with the Buyer?
? What is proposed by the Seller to settle the problem?
LETTER 4.3
? What is the outstanding balance now?
? What is enclosed with the letter?
? What is the tone and style of the letter?
? How long has the Seller waited for the Buyer’s reaction to his reminders?
? What time is given by the Seller to the Buyer to settle the problem of non-payment?
? What is the Seller going to undertake to recover the debt?
FOCUS 3. Study the notes, writing patterns and vocabulary.
NOTES
1. Credit facilities – в данном контексте следует переводить как кредиты или источники кредитования.
2. Extension of credit, to extend credit – cледует обратить внимание, что данные словосочетания могут обозначать и предоставление кредита, и пролонгацию срока кредитования, например продление срока оплаты счетов. Соответственно, в каждом конкретном случае важен контекст.
3. To credit one’s account with the sum/to credit a sum to one’s account – здесь необходимо обратить внимание на возможности построения тождественных смысловых конструкций путем различного предложного управления.
WRITING PATTERNS
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1. |
Your quarterly statement reached us and we confirm that it has been found correct. |
Мы получили ежеквартальную выписку из счета и подтверждаем, что в ней указана правильная сумма к оплате. |
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2. |
It is not yet possible for us to meet our obligations to pay you the outstanding sum of… |
Мы все еще не в состоянии выполнить наши платежные обязательства и погасить сумму задолженности в размере… |
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3. |
We ask you for … extension of credit to clear the current liability. |
Просим Вас продлить срок кредита на … с тем, чтобы мы смогли погасить задолженность. |
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4. |
Our difficulties are temporary and have been created by a … (fire/ breakdown of a machine-tool/strike, etc.) |
Наши проблемы носят временный характер и вызваны … (пожаром, поломкой станка, забастовкой и т.д.). |
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5. |
The fire (strike, breakdown, etc.) caused extensive losses, for which we have not yet been compensated in full. |
Пожар (забастовка, поломка и т.д.) привели к значительным убыткам, которые до сих пор не были компенсированы нам в полном объеме. |
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6. |
We rely on your understanding our present situation and regarding these circumstances as exceptional. |
Мы рассчитываем на Ваше понимание сложившейся ситуации и на то, что Вы будете рассматривать данные обстоятельства как исключительные. |
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7. |
Please accept our renewed apologies for this delay. |
Еще раз приносим извинения за эту задержку. |
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8. |
We need more time to clear our account with you. |
Нам необходимо больше времени для погашения задолженности. |
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9. |
We emphasize the open account terms are subject to the balances being cleared promptly on due dates. |
Мы хотим подчеркнуть, что условия оплаты с открытого счета действительны только при условии своевременной оплаты счетов. |
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10. |
We cannot extend the credit for … months as credit facilities put a strain on our cash flow situation. |
Мы не можем продлить срок оплаты на … месяцев, т.к. предоставление кредита отрицательно сказывается на движении наличных средств. |
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11. |
We instructed our bank, …, to credit your account in … bank, with $… on … 20__. |
… 20__ года мы проинструктировали наш банк, …, перечислить на Ваш счет в … банке … долларов США. |
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12. |
As our bank statement showed the money had been debited to our account we assumed that it had been credited to your account as well. |
Так как в соответствии с нашей банковской выпиской из счета эта сумма была списана с нашего счета, мы предположили, что она также была зачислена на Ваш счет. |
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13. |
Please note that our invoice No. … for $… is … days overdue. |
Пожалуйста, обратите внимание на то, что наш счет-фактура № … на сумму … долларов США до сих пор не оплачен. |
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If you have already instructed your bank to proceed with payment, kindly disregard this reminder. |
Если Вы уже дали указание банку осуществить платеж, считайте это напоминание недействительным. |
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You are contractually obliged to settle your invoices within … days of the date of issue. |
В соответствии с контрактом Вы обязаны оплачивать счета в течение … дней с даты их выставления. |
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Your maximum authorized debit balance at any given time is fixed at $… |
Максимальное дебетовое сальдо на любую дату составляет … долларов США. |
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We are reluctant to take drastic steps/to take legal action to recover our money/the amount and would rather negotiate a scheduled payment of your debt. |
Мы не хотим принимать решительные меры/обращаться в суд, чтобы востребовать причитающуюся нам сумму, поэтому мы бы предпочли согласовать с Вами график погашения задолженности. |
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18. |
You leave us no alternative. |
Вы не оставляете нам выбора. |
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19. |
Unless we receive your remittance within … days, our lawyers will be instructed to start proceedings to recover the debt. |
Если мы не получим перевод данной суммы в течение … дней, нам придется обратиться в суд. |