I would like a sample letter because I don't know where to start

Details?

Explain why you are not late on payments, why you have keep the terms of the agreement?

I was under automatic drafting during this time frame that notes was gone unpaid, not knowing that the bank decline payment. During these transaction I was over seas working there I couldn

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Ok, so you write a letter with a copy of the agreement for automatic payments or proof of them and demand to know why they weren't' being taken out and credited. I do have to point out, that with this world of electronic banking, being overseas is not much of an excuse.