State Bank of India — multiple times ech/ach ret charges deducted

Unfortunately, I was facing health issues during this period, which led to unforeseen financial difficulties and the inability to make the payment on time. I sincerely apologize for this delay and assure you that it was unintentional.

I have now resumed my financial commitments and have ensured that future payments will be made on time. Considering my circumstances, I kindly request you to waive off the penalty charges as a goodwill gesture. I would truly appreciate your support and understanding in this matter.

Please let me know if any further details or documentation are required to process my request. Looking forward to your positive response.