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This letter is relevant in England & Wales.

England Wales

Ask your mortgage lender to write off your debt (sole name)

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

Use this letter to ask your mortgage lender to consider writing off the debt. You can find information about how to use this letter in our guide Mortgage shortfalls.

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.

  • Fill in your contact details, account number and any extra information you want to include in the grey shaded areas.
  • Today’s date will be added automatically.
  • Sign each letter and enclose a copy of your budget if needed.

Letter in joint names

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.

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Your address line 1Make sure you include your full address.
Your address line 2
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15th June 2024

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However you feel comfortable, we can help you make a plan to take control of your debt.