Hi Natasha, I have decided, as a goodwill gesture, that if you can pay just the $79 fee for the loan, as agreed in the original terms and conditions – I will close the account, mark as paid in full and waive all the remaining outstanding fees that were not paid as well as any costs we have incurred due to their non-payment to us. This offer will remain valid for 14 days from the date of this e-mail. Please respond with your decision