Royal Bank

3438 Carriage Court
Fort Irwin, CA 92310 

Dear Royal bank,

I am writing this letter to explain the current circumstances surrounding my non completion of the last three credit card payments.

On December 25th, my brother’s house caught on fire. Due to his dire circumstances, I had no choice but to lend him a sum of money to get back on his feet until the insurance company made a payment to him. Due to this, I did not have the available funds to make my credit card payment.

As you can see from my payment history, I have never missed a payment. My brother will be paying me back in three weeks, and I will be able to make up the difference then.

Thanks for your consideration,

Clark Baker