Sample letter to bank requesting time to pay personal loan or credit card dues

A Draft letter to bank requesting time to pay bank loan or credit card dues

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To
The Manager,
[Name of the Bank]
[Address]

Ref: [Loan Account Number]

Dear Sir,

I acknowledge receipt of your e-mail/letter and with due respect like to state that currently I am going through financially rigid condition due to current market situations. I am aware about my duty to repay my all dues related to my personal loan or my credit card payments. But, due to the current market situations, I am not able to pay now. It needs time. 

Hence, I request your good self as I hope you understand the current difficult situations and request you to offer some suitable and flexible extended time for enabling the undersigned clear dues without any hindrance.

I also request you to kindly check my past payment records with the bank and expect your kind co-operation in this regard.

Thanking you,

[Your Name]

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