Use this letter when you need to ask your bank to pay particular bills out of your account from money you have paid in.

Use this letter to help you negotiate with your electricity or gas supplier to agree payments you can afford to cover your current energy bills and repayments on the energy debt you owe.

Use this letter when asking your lender for a breakdown of the balance they are claiming that you owe.

Use this letter where your house was sold more than six years ago and you were first contacted by the lender after 11 February 2000.

Use this letter to help you negotiate a full and final settlement offer with your lender. This is a type of offer where you ask the lender to accept part of the amount you owe and write off the rest.

Use this letter to ask your mortgage lender to consider writing off the debt.

Cancel your existing debt management plan

​Use this letter to tell the bailiffs that they have added more fees to your debt than the law allows.