Answer:
Dear {Mr./Mrs. Name}, I am sincerely sorry for the delay in payment on {loan type}. I apologize for any inconvenience or frustration this caused you. ... I would appreciate it if, considering the circumstances and the fact that this is my first infraction, you would be willing to waive the late payment fee.
sincerly,(you name)
Explanation:
why are you apologizing to the grocery people in the first place?(Just curious)
