Ask your mortgage lender for a breakdown of account | Sample letter

Use this letter when asking your lender for a breakdown of the balance they are claiming that you owe. You can find information about how to use this letter in our Mortgage shortfalls guide.

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.

Change to joint version

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29th June 2024 [today’s date]*

Dear Sir/Madam

Without prejudice

Account No:

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Thank you for your

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concerning the above account.

I do not admit the debt. Also, we do not admit any debts mentioned in previous letters.

In order for me to deal with the matters you raised, please can you supply me with answers to the following questions?

When did the arrears begin?

When was the last payment made on the account?

When was any possession order given?

When was the house sold?

What valuations were made on the property before the sale?

What costs were involved in maintaining the property during the period between the repossession and the sale?

How was the house marketed and sold, and at what price?

What costs were involved in selling the property?

Has a claim been made against any indemnity insurance and how much was recovered?

How has interest been calculated from the start of the arrears?

Please supply me with a full breakdown of the balance claimed under the above account.

I look forward to hearing from you.

Yours faithfully

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Ask your mortgage lender for a breakdown of account (sole name)

Letter in joint names