To

Mr. Scott Lopez

Manager,

Morgan Finances

87, Wilbur Street

South Avenue

San Diego, CA

Date: 16-12-2011

Subject: Debt Collection Dispute Letter

Dear Mr. Lopez,

I am writing this letter in response to your notice that you have sent to me regarding the non-payment of my loan installment this month. But for your clarification, I have submitted my installment amount on 3^rd December 2011.

I think you are mistaken about the person, because I always pay installments on time. I am attaching the payment receipt for this month’s payment along with this letter for your perusal. Kindly confirm this with your records, and still if there is some misunderstanding I can visit your office to clear out the issues.

Should you have any more queries, please feel free to contact me at 677 878 5423, for any further communication and clarifications. Looking forward to hear from you soon.

Yours’ sincerely

Paul Smith,