How To Write A Letter Stating Balance Owed Is Zero . Since i no longer need the zero balance account as it has limitations and very few features. At that time, we agreed that this loan was to be paid in full by december 4, 2018. 4. Customer Service from docs.oracle.com Sample request letter for changing zero balance account to normal account; Acknowledge that the customer may have already sent payment and thank him or her accordingly. “in accordance with the late payment of commercial debts regulations 2013, we are permitted to add interest and late payment compensation to the sum outstanding.