1. Previous Correspondence: Reference to prior demand letters or communications, used when there have been previous attempts to collect

2. Remediation Options: Description of possible payment plans or alternatives to foreclosure, included when the lender wishes to offer such options

3. Force Majeure Reference: Addressing any claimed force majeure events, included if borrower has cited such circumstances

4. Legal Consequences: Detailed explanation of the foreclosure process and legal implications, included for more formal or high-value cases

5. Third Party Rights: Reference to any third-party interests or guarantors, included when applicable

6. Without Prejudice Notice: Legal reservation of rights, included in cases where negotiations are ongoing

1. Schedule A - Payment History: Detailed record of all payments made and missed payments

2. Schedule B - Property Details: Legal description of the mortgaged property, including title information

3. Schedule C - Loan Agreement Extract: Relevant excerpts from the original loan agreement regarding default and foreclosure

4. Schedule D - Interest Calculation: Detailed breakdown of interest calculations and penalties

5. Appendix 1 - Property Valuation: Current property valuation report if available

6. Appendix 2 - Supporting Documents: Copies of relevant correspondence, notices, and proof of default