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Request for Loan Restructuring and Suspension of Additional Charges Dear Sir/Madam, I hope this message finds you well. I am writing regarding my outstanding loan obligation with your company. I would like to sincerely state that I am not a defaulter, and I have always taken my repayment responsibilities seriously. The loans I obtained were not for personal consumption or luxury. I used them strictly for business purposes — specifically to purchase gadgets for resale, repay the principal, and cover the agreed interest. This has been my consistent model. Unfortunately, an unforeseen situation disrupted my business operations. The supplier I have consistently worked with suffered a stroke and is currently seriously ill. As a result, communication and supply abruptly stopped, affecting my ability to continue normal business turnover. Additionally, my Facebook advertising account was suspended during this period, which further slowed down sales. Although the ad account has now been restored, the interruption significantly affected my cash flow. Despite these challenges, I am fully committed to repaying my outstanding balance. I respectfully request the following: Approval to repay the loan through structured installments. A temporary suspension of additional penalties or interest increases while I actively make installment payments. I am not avoiding my obligation. I am taking responsibility and seeking a practical arrangement that allows me to settle this debt honorably and completely. I am a responsible Nigerian entrepreneur, and I value my credibility. With your understanding and cooperation, I will fulfill this commitment. Thank you for your consideration. I look forward to your favorable response. Yours faithfully, Harrison Nunu