National Debtline | Sample letters - Continue accepting my offer

Use this letter if your situation has not improved, to ask your creditors to continue accepting your current payment offer. You can find more information about how to use this letter in our guide Payment offer – what to do if a creditor refuses.

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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12th December 2024 [today’s date]*

Dear Sir/Madam

Account No:

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I am writing to tell you that I am getting advice from National Debtline on dealing with my financial situation and choosing the right debt solution for me.

I note that the above account is due to be reviewed.

I enclose a budget summary which shows that my overall financial circumstances have not improved since I last contacted you. Therefore, please continue to accept my monthly payments, as already agreed, and also continue to freeze interest and other charges on the account.

If my circumstances improve I will contact you again.

I look forward to hearing from you.

(Please note, all further correspondence should be addressed to me. National Debtline are a self-help agency and are not acting as my representative).

Yours faithfully

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Continue accepting my offer (sole name)

Continue accepting my offer (sole name)

Letter in joint names