PRIVATE & CONFIDENTIAL 28" April, 2003 Mr Simon Keith 330 Valley Drive Tel: 01922 42 0974 Fax 01022 42 2029 ent DAT? SSU Ewell; StaeMcore@gotiltoroans cok Dear Simon, Further to recent correspondence regarding the overpayment to yourself, it has come to our attention that we have not as yet received your cheque for the sum of £315.01. | would be grateful therefore, if you could contact me upon receipt of this letter in order to arrange repayment of this sum. Any cheques should be made payable to “GHL Mortgage Services Ltd”. Failure to come to an arrangement regarding the repayment of this money will mean that | will unfortunately have to pass this matter to our Company Lawyer, John Tupman, who will begin proceedings. | apologise for any inconvenience caused and if you have any queries please do not hesitate to contact me on the above number. Yours faithfully Steve Moore HR Operations Manager On behalf of Global Home Loans Ltd