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Our ref: 123456/MBB/98765

Mr Z. Wibbly

52 Bread St.

BIRMINGHAM

B18 5OP

West Midlands

Help Desk: 0500 123456

9 JULY 20..

FINAL NOTICE

Dear Sir / Madam

Your account with: Midland Bank PIc

Account Number: 123456/0000000

Outstanding balance: £50.21

You have failed to make payment. We are now compelled to transfer your account to:

* Debt Collectors who may call at your door, or

* Shakespeare Solicitors for Legal Action which may result in:

-a County Court Judgment being registered against you;

-a County Court Bailiff visiting your home to seize your goods;

-an Attachment of Earnings order which will result in your current or future employer being made aware of your debt and being ordered to deduct payments from your salary.

You can prevent this by paying the FULL outstanding balance within 24 hours using the bank Giro Credit Slip printed below or by contacting our Helpdesk with your Switch or Delta card number. You may use this Slip to pay cash at any branch of Midland Bank. Cheques should be made payable to MCS Ltd. Please ensure that your reference number is quoted.

A lump sum payment may be acceptable but you must contact our Hotline on FREEPHONE 0500 123456. Our lines are open between the hours of 8.00am and 9.00pm (Mon-Fri) and between 8.30am and 1.30pm (Sat).

Yours faithfully

Metropolitan Collection Services Ltd