payments will be made to your Barclays account, as detailed in a previous email. I note to make payments earlier so that they reach the account on the date stated for repayment. (Although this somewhat defeats the object of giving you a payment date.) Therefore to ensure further payments reach you on time, it may be prudent to move the payment date to the 3rd of the month rather than the 1st. This will give me a full 5 days from receiving my wages and paying you, for it to reach your account. I will repay the original loan amount + the 1 months interest + the 20 late fee.