Dear [Creditor's Name], I hope this letter finds you well. I am writing to apologize for the delay in my payment for the loan/credit card/mortgage (choose the most appropriate) scheduled on [date]. I understand the importance of timely payments and deeply regret any inconvenience caused due to my oversight. First and foremost, I want to assure you that this delay was unintentional and does not reflect my commitment towards fulfilling my financial responsibilities. Unfortunately, I encountered unexpected circumstances that adversely affected my cash flow. While these circumstances are beyond my control, I take full responsibility for the delay in my payment and understand the consequences it might have caused. I have taken immediate steps to address this situation and ensure that this does not happen again in the future. I have reviewed my finances and made appropriate adjustments to ensure prompt payments moving forward. Additionally, I have also reached out to my bank to ensure there are no issues with the payment transfer or any other technical glitches that might have delayed the transaction. I highly value our business relationship and have always strived to maintain a positive credit history. I understand that late payments can have a negative impact on my credit score and your trust in me. Therefore, I kindly request your understanding and consideration in this matter. I assure you that this late payment is an anomaly, and I will make every effort to promptly settle all outstanding balances. As a gesture of goodwill, I would like to offer a solution to compensate for the delay. I am willing to cover any late fees or charges that have been incurred due to my oversight. Please let me know the exact amount, and I will ensure that it is included in my next payment. Once again, I deeply apologize for any inconvenience caused and the delay in my payment. I genuinely appreciate your understanding and patience during this time. I can assure you that this situation has given me a valuable lesson in financial management, and I will be more vigilant in the future. Thank you for your attention to this matter. I look forward to maintaining our positive relationship, and I assure you of my commitment to ensuring timely payments moving forward. If you require any further information or have any concerns, please do not hesitate to contact me at [phone number] or [email address]. Yours sincerely, [Your Name] [Your Address] [City, State, ZIP Code]
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.