Penalty Notice

Dear {{ $client->full_name }},

A penalty has been applied to your loan due to late payment:

Loan ID: {{ $loan->id }}
Penalty Amount: ${{ number_format($penalty, 2) }}
Penalty Reason: {{ $reason ?? 'Late payment' }}
Outstanding Balance: ${{ number_format($loan->outstanding_balance, 2) }}
Total Amount Due: ${{ number_format($loan->outstanding_balance + $penalty, 2) }}
Action Required: Please settle the penalty and outstanding balance immediately to avoid further penalties.
Make Payment

For any questions regarding this penalty, please contact our support team.