1. Previous Correspondence Reference: Reference to previous payment requests or relevant correspondence, used when there have been prior formal communications

2. Security Details: Details of any collateral or security held against the loan, included when the loan is secured

3. Guarantor Notice: Notice to guarantors if applicable, used when the loan has guarantors

4. Restructuring Options: Possible repayment arrangements or restructuring options, included when the bank is open to negotiation

5. Default Interest Calculation: Detailed breakdown of how default interest has been calculated, used when significant default interest has accrued

6. Regulatory Compliance Statement: Reference to relevant banking regulations and compliance statements, used in cases of significant amounts or potential litigation

1. Schedule A - Loan Statement: Detailed breakdown of the loan account showing principal, interest, charges, and payments made

2. Schedule B - Interest Calculation: Detailed calculation of interest and default interest

3. Schedule C - Payment History: Record of all payments made and missed payments

4. Appendix 1 - Copy of Loan Agreement: Copy or extract of relevant sections of the original loan agreement

5. Appendix 2 - Security Documentation: Copies of relevant security documents if the loan is secured