The point at which dunning costs may be raised - default in payment as prerequisite
Before clarifying the question as to when dunning costs may be raised, essentially there must be a due payment claim. If the customer does not comply with the creditor's request to meet his obligation to pay, he will be in default. Relevant to answer the question of when dunning costs may be raised, is the necessary condition of the customer actually being in default. If this is not the case, he does not have to pay the claimed dunning costs.
When dunning costs are justified - the dispensability of a dunning
Whether dunning fees may be charged, is dependent on whether dunning is even required. In some cases, they are dispensable.