Dear Mr. [******]
Thank you for your letter of March 3, 2010. I appreciate your concern regarding my personal life. No, I do not have financial stress, nor issues with job loss, medical problems, divorce or “other life events” that have impacted my ability to repay my auto loan with your company. I appreciate your generous offer to assist with budgeting, restructuring and/or consolidating my finances. That is very kind of you. But at present, I do not have any of those problems. *Knock on wood*
I think you lost my auto payment that was sent to you on February 25, 2010. You see, I have you on an automatic payment schedule through Billpay, so the payments are sent to you automatically each month. To date, that has never been a problem.
I guess you did not consider that maybe you might have lost my check someplace? Did you look behind your desk? Perchance, you credited my payment to somebody else’s account? Is it still in your in-box awaiting processing?
If you cannot find my check, please let me know and I will send you another one. ASAP.
Sincerely, Sera