You had borrowed money from your friend when you were facing some financial problems and forgot to pay it back. Write a letter to your friend and in your letter: • Apologize for being late in returning the money • Explain what happened • Say how you are going to fix the issue now

My schedule was so hectic that I hardly could find some time to sit and write to you. Hope you are doing great.
Finally
, I am writing
this
letter to say, how sorry I am for forgetting to pay you back.
First
of all, I apologize that it just
skipped
Correct your spelling
slipped
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my mind to pay you back that I borrowed
last
month, promising you to return in a week. As you know, I needed that money for the down payment of the loan as I urgently needed a car for my office commute in
this
bad weather.
However
, to my dismay, after getting the car, there was no day in peace as it got lots of troubles in its machine.
Additionally
, the service centre was pathetic and kept me on
toes
Correct pronoun usage
my toes
show examples
till it was resolved. With all these hardships, the forgetful me forgot about the money.
Finally
, I have done NEFT to your account and by
this
time you might have received it in your account.
Furthermore
, you will soon receive a Zoomland ticket for you and your spouse tomorrow. Consider it as my penalty for keeping your money for so long. I can’t thank you enough for coping up with me. See you soon. Take care.

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The Greeting

Depending on the style and aim of the letter, you will need to adapt your greeting.

Always start an informal letter in the ways:

  • Dear + name
  • Hi / Hello + name

‘Dear...’ is more appropriate, so stick with this.

For a formal letter there are two options for the greeting:

  • Use Dear Sir or Madam if you don’t know the name of the person you are writing to.
  • Use Dear + surname if you do know their name, e.g. Dear Mr Smith or Dear Mrs Jones.

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Topic Vocabulary:
  • financial hardship
  • unintended oversight
  • profoundly regretful
  • amicable resolution
  • irreplaceable support
  • repayment schedule
  • heartfelt gratitude
  • unwavering patience
  • promptly address
  • sincerely apologize
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