Dear To whom it may concern, 

I know I made a late payment. I was just wondering if I could pay a 
reverse fee for my late payment. I would deeply appriecate your 
kindness if you would allow me to pay the fee to your company. I 
know times are hard for your company and it is for mine household. 
But we love your addition to our family and would would love if you 
could give me the reverse penatly fee. My account number is 
4120047000027370.

Thank you 

Vanessa Duarte