Waiver Letter for Penalty

September 15, 2075

Christopher Haynes

Spring Financial

4632 Bottom Lane,

Stedman, NY 14785

Dear Mr. Haynes,

I hope this letter finds you well. I am writing to kindly request a waiver for certain financial penalties incurred on my account due to the late payment of my credit card bill. I apologize for any inconvenience caused and assure you that this delay was an unfortunate oversight on my part.

I assure you that this delay was an isolated incident and not indicative of my usual payment behavior. I have been a loyal and responsible customer, maintaining a good credit score and promptly repaying all outstanding debts. I have attached relevant documentation, including my record of consistent and timely payments, to support my request for a waiver.

If my request for a waiver is denied, it may have a significant impact on my financial situation. The penalty imposed for the late payment will not only add an additional burden but may also tarnish my credit history, which has been exemplary thus far. Given the exceptional circumstances surrounding this delay, I humbly request your understanding and consideration in granting this waiver.

I understand that Spring Financial has specific guidelines regarding waivers for financial penalties. I have carefully reviewed these guidelines and believe that my situation aligns with the criteria outlined. I greatly appreciate your attention to detail and the opportunity to present my case.

Thank you for your time and consideration. Your kind understanding in this matter will be greatly appreciated. Please feel free to contact me at any time to discuss this request further.

Yours sincerely,

Darrel Wilson