The bank manager, Mr. Collins, greeted me with a firm handshake. « Thank you for coming, » he said, as we settled into his office. The walls were lined with certificates and photos, carefully curated to convey trust and efficiency.
« I appreciate you meeting with me, » I replied, trying to project confidence I didn’t feel. My fingers tapped nervously on the folder in my lap.
Mr. Collins opened a file and glanced over it briefly before speaking. « I understand you have some questions about the account, » he began, choosing his words carefully.
« Yes, » I said, my voice steadier than expected. « There seems to be some confusion regarding the mortgage payments. I’ve found some letters, but I’m hoping you can clarify the situation. »
He nodded, his expression neutral. « The account is in arrears, » he said, confirming my fears. « A few payments have been missed, and we’re nearing the end of the grace period. »
The room seemed to close in around me. I struggled to maintain my composure as I asked, « Is there anything we can do to rectify this? »
Mr. Collins leaned back in his chair, considering my question. « There are options, » he said finally. « But it will require immediate action on your part. »
We spent the next hour discussing possible solutions, each one feeling more daunting than the last. I took notes, my mind racing to keep up with the numbers and terms being thrown my way.
As the meeting concluded, Mr. Collins offered a thin smile. « I hope this helps, » he said, extending his hand once more. I shook it, grateful for his time but no less overwhelmed.
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