Anonymous  +  847064 Tue, 04 Aug 09 03:02 PM Please help to waive penalty for USD200.00 (USD100.00 late charge and USD100.00 finance charge). This is not fair a cumulative penalty. The overdue payment was only USD50.00, however, I need to pay for USD200.00 penalty which is unacceptable. This is my first time delay payment, please help confirm by return. Anonymous

	Clive  +  847084 Tue, 04 Aug 09 03:14 PM Hi, Here are a few comments.   You need to add an introductory paragraph. Tell then your account number and type of account, etc. Explain briefly why and when you were charged this penalty.   I suggest that there is no point in saying it is not 'fair'. Banks don't care about 'fairness'.   I don't think it is wise to tell a bank that something is 'unacceptable'. It will antagonize them, and they can try to force you to pay if they want to. Instead, be nice. Tell them that you are a good customer, and ask for their assistance.   If you wish, revise your letter and post it here again for more comments.   Clive     Clive Joined on Thu, Oct 28 2004 Canada Veteran Member 29,676 El tango argentino es un pensamiento triste que se puede bailar (The tango argentino is a sad thought which can be danced) Enrique Santos Discépolo Numbers

	Clive  +  848579 Wed, 05 Aug 09 04:37 PM Hi, To : HSBC USA + address   Dear Ms Xxx,   Subject: Name: xxx Credit Card No. xxx   Due to an oversight on my part, June’s credit card payment in the amount of USD50.00 became overdue. I now see that there is a cumulative penalty of USD200.00 (USD100.00 late charge and USD100.00 finance charge) for this overdue payment. I have always paid on time before. Is it possible for you to waive the penalty for us this time? I will pay more attention in the future.   I greatly appreciate any help that you are able to give me. Sincerely,   Clive Countries, United States