Dear Mr Smith

We can see that you have gone over your limit and it is sometimes unavoidable.

If you can not get back to your limit In the next week please get in contact to see what we can do.

We hope you soon heal your soul and fix the rates of a hurting heart as soon as possible.

There are daily fees of pain and suffering until you manage your account back to happiness.

Thanking you,

Manager at the Bank of Life