Late Payment Explanation Letter

September 12, 2003

Ms. Eunice M. Enriquez
Finance Manager
APC Credit Line

Dear Ms. Enriquez :

This letter is to explain the late payment being reported on my credit report.

For the last 2 months, my husband had been hospitalized which put him on a short-term disability.  When that happened our income was decreased by $1400 a month and we got behind on some of our payments.

Since August, my husband has been back to work and we have been able to pay our bills on time. Before my husband’s accident we had always paid our bills on time and were only late due to a situation beyond our control,

We are responsible and pay our bill on time.  Thank you for giving us the opportunity to explain and to own our own home.


Mery Jeanne L. Roman

Late Payment Explanation Letter

April 23, 2001

Ms. Hazel L. Mendoza
ABC Land Development Inc.
Pasay Taft, Paranaque

Dear Ms. Mendoza:

I am writing this letter to explain my late payment on my house mortgage.  I really feel very upset that this has ever happened to but I was laid off my job so it is hard to pay all my bills on time.

I believe that with my expertise in my field, I can assure you that I will be employed next month. I assured you that once I gain my employment back, I will be able to pay you in full once again.

I am trying my best to pay these bills and I’m not ignoring your bills at all.  Please let me know if you can do for me including loan modification program or extending my payment deadline.

I hope for your consideration and thanks in advance.

Sincerely yours,

Tedwell M. Tamayo