SELECT
customer.CustomerName,
customer.CustomerHouseNo,
area.AreaDesc,
tblctype.Ctype
FROM
customer
INNER JOIN area ON (area.AreaID=customer.AreaID)
INNER JOIN tblctype ON (customer.CtypeID=tblctype.CtypeID)
WHERE
(customer.CustomerID Not IN (Select CustomerId From payments Where...