Sample Letters &#8211; National Debtline

Ask your energy supplier to accept affordable payments

Wed, 20 Jan 2021 11:24:00 +0000

This letter is relevant in England, Wales and Scotland.

Ask your energy supplier to accept affordable payments (sole name)

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 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. Contact us for advice before using this letter.

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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30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

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Type of supply:

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I am writing because I am unable to pay what I owe all at once.

I understand that I owe:

£
Amount (required)
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AmountLook at your latest bill and add the amount you owe.
for our electricity;

£
Amount (required)
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AmountLook at your latest bill and add the amount you owe.
for our gas.

Ofgem requires energy suppliers to consider customers' circumstances and ability to pay when agreeing a debt-repayment plan.

I ask you agree a new repayment amount of £
enter amount per week/month (required)
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enter amount per week/monthThis should be the amount you have worked out on your personal budget that you can pay your energy supplier.
.

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I enclose a copy of our budget sheet which shows that this is all I can afford.

Please reply to this letter in writing within 10 working days, confirming my new repayment rate, including any other information you feel would be relevant or helpful to me (for example trust fund information, energy efficiency information and so on).

I look forward to hearing from you.

Yours faithfully

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Ask your mortgage lender for a breakdown of account

Thu, 15 Feb 2024 08:18:13 +0000

This letter is relevant in England, Wales and Scotland.

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

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

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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30th May 2025 [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 not to pursue the mortgage shortfall

Thu, 15 Feb 2024 08:19:09 +0000

This letter is relevant in England, Wales and Scotland.

Ask your mortgage lender not to pursue the mortgage shortfall (sole name)

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 where your house was sold more than six years ago and you were first contacted by the lender after 11 February 2000. Lenders should not pursue the mortgage shortfall under the UK Finance policy. 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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Without prejudice

Account No:

This field is required.

You have contacted me about the account with the above reference number, which you claim I owe. I do not admit any liability for your claim.

I understand you are a member of UK Finance. As you will be aware, UK Finance has the following policy on obtaining repayments. This applies to all UK Finance members.

"Lenders are committed to fair and sympathetic treatment of people who have suffered repossession, and accept that individuals should not face long delays before lenders contact them to discuss repayment of the shortfall."

"From 11 February 2000, lenders who are members…have agreed voluntarily that they will begin all recovery action for the shortfall within the first six years following the sale of a property in repossession. Anyone whose property was taken into possession and sold more than six years ago, and who has not been contacted by their lender about recovering any outstanding debt will not now be asked to pay the shortfall."

The property in question was sold on Insert the date. (required)
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Insert the date.
. Also, the first contact I had from yourselves was by phone/in writing. (required)
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by phone/in writing.
on Insert the date. (required)
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Insert the date.
. As my property was sold more than six years ago and you have not contacted me within this time, I should not be asked to pay the amount you allege I owe.

I draw your attention to the Financial Conduct Authority's 'Mortgages and Home Finance: Conduct of Business sourcebook' which says that if a lender decides to recover a mortgage shortfall debt they must make sure the borrower is informed of this within six years of the date of sale.

Please confirm in writing that you will not make any further contact about the above claim and confirm that this matter is now closed.

I look forward to hearing from you.

Yours faithfully

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Ask your mortgage lender to accept a full and final settlement offer of payment

Thu, 15 Feb 2024 08:19:57 +0000

This letter is relevant in England, Wales and Scotland.

Ask your mortgage lender to accept a full and final settlement offer of payment (sole name)

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 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. 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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Without prejudice

Account No:

This field is required.

I am writing about the money which you are claiming I owe on the above account.

I can confirm that I am unable to offer to pay in full what I owe.

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However, I can raise £ Put the amount which you can afford to pay. (required)
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Put the amount which you can afford to pay.
and I want to offer this as an ex-gratia payment in full and final settlement of the account.

This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any further action to enforce or pursue this debt in any way whatsoever and that I will be released from any further liability.

I also request that, if accepted, you will make an entry on my credit reference agency file relating to the above account as 'satisfied' in full.

Payment can be made within Put the number of days or weeks within which you will pay. (required)
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Put the number of days or weeks within which you will pay.
of receiving your written agreement to this offer. Please indicate your preferred method of payment.

I look forward to hearing from you.

Yours faithfully

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Ask your mortgage lender to write off your debt

Thu, 15 Feb 2024 08:20:43 +0000

This letter is relevant in England, Wales and Scotland.

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.

Change to joint version

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

Further to my recent

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, I enclose a copy of my budget sheet which gives details of my present financial circumstances.

As you can see, my outgoings are more than my income and I am experiencing extreme financial hardship.

Please would you consider writing off the outstanding debt owing? I have always taken my financial responsibilities very seriously, but unfortunately my circumstances are so bad that I cannot realistically maintain payments of any kind. I understand that under the 'FCA Mortgages and Home Finance: Conduct of Business sourcebook (MCOB)' a lender is not required to recover a mortgage shortfall debt where it is considered unviable to do so. Please take the following special information into account when making your decision.

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As you can see my situation is very unlikely to improve in the future. My continued high debt level may also have a serious effect on my physical and mental wellbeing.

I look forward to hearing from you.

Yours faithfully

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Cancel your existing debt management plan

Wed, 20 Jan 2021 11:53:03 +0000

This letter is relevant in England, Wales and Scotland.

Cancel your existing debt management plan (sole name)

Cancel your existing debt management plan

Use this letter to cancel your debt management plan with your existing provider. Ask the company to return your payments and/or deposit. You can find information about how to use this letter in our guide Debt management plans (DMPs) – changing your provider.

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 need

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I have been in touch with National Debtline who has advised me that they are able to offer me a debt management plan free of charge, enabling all of my available income to be distributed to my creditors. I am therefore writing to inform you that I no longer require your services and wish to cancel my plan with immediate effect.

Please provide a full breakdown of my account with you since it began, outlining all payments I have made, all creditor distributions and to whom they have been made. Please send this within 14 days of the date of this letter.

I also request a full refund of my

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of £

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which I made by

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me of the outcome of the negotiations with my creditors. you did not inform me of the total cost of the agreement and the amount to be repaid]*’ required=’required’ class=’form-control sample-letter-field-control hide-placeholder-print text-center’>

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Please send the payment to me at the address provided above, within 14 days of the date of this letter.

I look forward to hearing from you.

Yours faithfully

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Complain about a bailiff overcharging you

Thu, 29 Feb 2024 10:58:26 +0000

This letter is relevant in England and Wales.

Complain about a bailiff overcharging you (sole name)

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

This sample letter covers England and Wales

To view all sample Letters that cover Scotland, please click here.

Use this letter to tell the bailiffs (also known as enforcement agents) that they have added more fees to your debt than the law allows. Make sure you get a breakdown of their fees and get advice about what the law allows them to charge first. Contact us for advice before using this letter.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I am writing to you about my

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with the above account number and the breakdown of the fees that you have sent me.

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Under The Taking Control of Goods (Fees) Regulations 2014 , the amount you should have charged me was £

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I am making a formal complaint that you have overcharged me by £

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. If you think that my calculation is incorrect, please explain why. Otherwise, please

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Unless you can explain why you think that my calculation is incorrect, or you refund/remove the fees that have been incorrectly added, I will take this complaint to the

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I am sending a copy of this letter to

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I look forward to hearing from you.

Yours faithfully

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Complain to a bailiff company

Wed, 29 Sep 2021 13:58:54 +0000

This letter is relevant in England and Wales.

Complain to a bailiff company (sole name)

Use this letter when you are unhappy about the way a bailiff has behaved and you want to complain to them about their actions.

This sample letter covers England and Wales

To view all sample Letters that cover Scotland, please click here.

Use this letter when you are unhappy about the way a bailiff has behaved and you want to complain to them about their actions. Send a copy of the letter to the individual bailiff as well as the bailiff's company. Contact us for advice before using this letter.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I would like to make a complaint against your company. The details are set out below.

This field is required.

If you fail to resolve my complaint to my satisfaction, I will have no alternative but to take my complaint to

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and the

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I look forward to hearing from you.

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Complain to a council about the actions of their bailiffs

Wed, 20 Jan 2021 11:39:44 +0000

This letter is relevant in England and Wales.

Complain to a council about the actions of their bailiffs (sole name)

Use this letter to complain to a council if you are not happy with the actions taken by the bailiffs they are using.

This sample letter covers England and Wales

To view all sample Letters that cover Scotland, please click here.

Use this letter to complain to a council if you are not happy with the actions taken by the bailiffs they are using. Only use this letter when you have already complained to the bailiffs but you are not happy with their response, or they did not reply. Contact us for advice before using this letter.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

I am writing to you to complain about the actions taken by the bailiffs who are collecting

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of £

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on your behalf.

[explain the details of your complaint. set out the facts clearly and put things in date order if possible. say what you are not happy with and what you want the bailiff company and the council to do about it. if you are complaining about the fees the bailiffs have charged you, set out what fees have been charged and say why you think they are wrong. include a copy of any paperwork that you feel supports your complaint.]*

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If you fail to resolve my complaint to my satisfaction, I will have no alternative but to take my complaint to the Local Government and Social Care Ombudsman.

I look forward to hearing from you.

Yours faithfully

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Complain to your lender

Wed, 20 Jan 2021 11:08:40 +0000

This letter is relevant in England, Wales and Scotland.

Complain to your lender (sole name)

Use this letter to contact your lender first before complaining to the Financial Ombudsman Service.

Use this letter to contact your lender first before complaining to the Financial Ombudsman Service. You can find more information about how to use this letter in our guide Complaining about your lender.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I would like to make a complaint against your company. The details are set out below.

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If you fail to resolve my complaint within eight weeks, or if matters are not settled to my satisfaction, I will have no alternative but to escalate my complaint to the Financial Ombudsman Service. This could result in you being ordered to pay compensation if my complaint is upheld.

I look forward to hearing from you.

Yours faithfully

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Complaining to debt collection agencies that you do not owe the debt

Tue, 01 Nov 2022 13:26:59 +0000

This letter is relevant in England, Wales and Scotland.

Complaining to debt collection agencies that you do not owe the debt (sole name)

Use this letter to complain to debt collection agencies who are pursuing you when you do not owe the debt.

Use this letter to complain to debt collection agencies who are pursuing you when you do not owe the debt. Contact us for advice before using this letter.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

You have contacted me about the account with the above reference number, which you claim I owe.

I have no knowledge of any such debt being owed to

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I am familiar with the Financial Conduct Authority's (FCA) Consumer Credit sourcebook which states the following.

"A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3

"A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1

"Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3

If you do not stop collection activity whilst investigating my dispute, you are breaking FCA rules and guidance.

Also, ignoring claims that debts have been settled or are disputed and continuing to make unjustified demands for payment is harassment.

Please do not make any further contact about the above accounts unless you can provide evidence of my liability for the debt.

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to my local trading standards service and consider informing the FCA of your actions.

I look forward to hearing from you.

Yours faithfully

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Continue accepting my offer

Wed, 02 Sep 2020 12:56:05 +0000

This letter is relevant in England, Wales and Scotland.

Continue accepting my offer (sole name)

Use this letter if your situation has not improved, to ask your creditors to continue accepting your current payment 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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

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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Creditor harassment warning

Tue, 31 May 2022 10:11:51 +0000

This letter is relevant in England, Wales and Scotland.

Creditor harassment warning (sole name)

Use this letter to tell your creditor if you think they are harassing you, and ask them to stop.

Use this letter to tell your creditor if you think they are harassing you, and ask them to stop. You can find information about how to use this letter in our guide Harassment by creditors and debt collectors.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

Further to your recent

This field is required.

, I am writing because I think your behaviour towards me in trying to collect the debt is unreasonable and could be considered to be harassment.

I have been advised that, under the Financial Conduct Authority’s Consumer Credit sourcebook, it is an unfair and improper business practice to:

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Please stop trying to recover the debt in this manner. In future, please only contact me by letter and stop the behaviour I have outlined above.

If you ignore this request or do not change your behaviour, I will make a formal complaint to the following body:

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Yours faithfully

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Creditors asking for payment after debt relief order approved

Wed, 02 Sep 2020 12:54:12 +0000

This letter is relevant in England and Wales.

Creditors asking for payment after debt relief order approved (sole name)

Use this letter if a creditor included in your debt relief order is still demanding payments after the order has been approved.

This sample letter covers England and Wales

To view all sample Letters that cover Scotland, please click here.

Use this letter if a creditor included in your debt relief order is still demanding payments after the order has been approved. Contact us for advice before using this letter.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

You have recently contacted me about the above account. This debt is currently subject to a debt relief order (DRO), reference

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, which was made on

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. As you are aware, this is a formal insolvency procedure which places a 12 month moratorium on qualifying debts scheduled within the order. Once the 12 month period has passed, this debt will be written off. The Insolvency Service has issued guidance regarding debt relief orders, which states:

"While the subject of a DRO, debtors need not take any action in relation to continuing correspondence from creditors scheduled as qualifying creditors in their DRO and should under no circumstances make any payments to the said creditors."

"If the debtor receives any requests for payment from creditors that are scheduled within the DRO during the period of the order, the debtor should indicate that they are the subject to a DRO, and as such creditors have no remedy in respect of these debts."

Please confirm in writing that you will stop all collection activity immediately and that this matter is now closed. Otherwise I will have no option but to make a formal complaint to you and, if unresolved, to the appropriate regulator or ombudsman.

I look forward to hearing from you.

Yours faithfully

This field is required.

Disputing liability for a debt

Mon, 19 Feb 2024 11:57:27 +0000

This letter is relevant in England, Wales and Scotland.

Disputing liability for a debt (sole name)

Use this letter where you dispute liability for a debt for which you are being chased.

Use this letter where you dispute liability for a debt for which you are being chased. Contact us for advice before using this letter.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

You have contacted me regarding the account with the above reference number, which you claim I owe.

I have no knowledge of any such debt being owed and I dispute any personal liability for this debt.

This field is required.

Please do not make any further contact about the above account unless you can provide evidence of my liability for the debt.

I await your written confirmation that this matter is now closed.

This field is required.

DWP overpayment suspend or reduce repayment request

Paul Godden — Tue, 29 Oct 2024 10:33:38 +0000

This letter is relevant in England, Wales and Scotland.

DWP overpayment suspend or reduce repayment request (sole name)

Use this letter when asking the DWP to consider suspending a Universal Credit overpayment recovery, or reducing the amount you pay.

Use this letter when asking the Department of Work and Pensions (DWP) if they will suspend recovery of a Universal Credit overpayment or reduce the amount being taken from your Universal Credit. A benefit overpayment may also include a Universal Credit Advance payment if you are no longer claiming Universal Credit.

A debt may be suspended, or deductions reduced, if you can show that the rate of recovery will cause you or your family hardship. This hardship could be based on:

welfare grounds;
health grounds; or
financial grounds.

You will need to send evidence to support a suspension or reduction in the recovery rate on welfare or health grounds. This could include:

showing exactly how recovery of the debt would have a very negative impact on the welfare of you and your family; and
a letter from a medical professional showing that your ill health is being made worse or caused by financial hardship. For example, a GP, consultant, psychiatric nurse, support worker or welfare advisor might write a letter for you.

You will need to give evidence to support a suspension or reduction in the recovery rate on financial grounds.

You will need to send a copy of your budget sheet to show that the deduction amount is causing you financial hardship.
Give some specific examples in the letter that show the difficulties the deductions are causing. This could be that you are having to cut back or are unable to afford essentials such as energy or food. It could be that you are unable to pay your rent in full and could be at risk of eviction. Try to give as much detail as you can.

If you have no money available, it is reasonable to ask for a suspension of the recovery initially. If you do have some money available, then you can make this offer of payment.

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 the DWP 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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I am aware that whilst deductions can be no more than 15% or 25% of the standard allowance, there is no minimum amount that can be taken.

The Benefit Overpayment Recovery Guidance states that:

'where a debtor is unable to repay the overpayment or penalty at the agreed rate there are a range of hardship options available including temporary suspension of recovery, reduction in recovery rate or in exceptional cases write-off of the debt.'

This field is required.

My initial request is that deductions are suspended until my situation improves. If it is not possible to suspend recovery, then I suggest an affordable repayment amount of £
enter amount per week/month (required)
This field is required.
enter amount per week/monthThis should be the amount you have worked out on your personal budget that you can pay the DWP.
.

I enclose a copy of our budget sheet which shows that this is all I can afford.

I enclose the following evidence to support my request.

This field is required.

Please reply to this letter in writing, confirming whether recovery of my overpayment has been suspended, or my new repayment rate. Include any other information you feel would be relevant or helpful to me.

I look forward to hearing from you.

Yours faithfully

This field is required.

Full and final settlement offer

Wed, 09 Aug 2023 13:52:07 +0000

This letter is relevant in England, Wales and Scotland.

Full and final settlement offer (sole name)

Ask your creditors to accept a full and final settlement offer | Lump sum offers sample letter

Use this letter to help you negotiate a full and final settlement offer with a creditor. This is a type of offer where you ask the creditor to accept part of the amount you owe and write off the rest. You can find information about how to use this letter in our guide Full and final settlement offers.

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.

Our service is always free. If you have any questions or need advice, call us on 0808 808 4000.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Without prejudice

Account No:

This field is required.

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

I am writing about the money which you are claiming on the above account.

I can confirm that I am unable to pay the money which I owe in full.

This field is required.

However, I can raise £

This field is required.

and I want to offer this as full and final settlement of the account. I am making this offer on the clear understanding that, if you accept it, neither you nor any associate company will take any other action to collect or enforce this debt in any way and that I will be released from any liability.

Based on my circumstances, and because these circumstances are very unlikely to improve in the future, I feel a full and final settlement is the best way to resolve the outstanding debt.

I enclose a copy of my budget sheet which gives details of my financial circumstances. I also enclose

This field is required.

If you accept this offer, please confirm that you will mark my credit reference agency file to show that the above account has been paid and closed.

I can pay the amount I have offered within

This field is required.

of receiving your written agreement of this offer.

Please give me details of how I can pay.

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

This field is required.

Hold action on your account

Mon, 19 Apr 2021 11:59:44 +0000

This letter is relevant in England, Wales and Scotland.

Hold action on your account (sole name)

Use this sample letter to ask your creditors to hold action on your account.

Use this letter to ask your creditors to hold action on your account while you get some advice. Contact us for advice before using this letter.

You can choose to send a letter in your own name or in joint names.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I am writing to tell you that I am getting advice about my current financial difficulties from National Debtline.

Because of this, I would appreciate it if you could hold action on the above account for at least 30 days to give me the time and space I need to do a budget sheet and work out the best way to deal with my debts.

Also, if you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period, so that my debt does not get any bigger.

I will contact you again as soon as I can with further details of my financial situation and my proposals for dealing with my debts.

I look forward to hearing from you as soon as possible. Please send all correspondence directly to me.

Yours faithfully

This field is required.

Hold action on your account for 30 more days

Thu, 25 Jan 2024 10:01:42 +0000

This letter is relevant in England, Wales and Scotland.

Hold action on your account for 30 more days (sole name)

Use this sample letter to ask your creditors to hold action on your account for 30 more days.

Use this letter to ask your creditors to hold action on your account for 30 more days. Contact us for advice before using this letter.

You can choose to send a letter in your own name or in joint names.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I am writing to tell you that I am getting advice and help with my current financial difficulties.

Due to exceptional circumstances, I need 30 additional days to give me the time and space I need to do a budget sheet and work out the best way to deal with my debts. Please take the following information into account when making your decision.

This field is required.

Please continue to suspend collections activities on my account and provide 30 more days' time.

If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period, so that my debt does not get any bigger.

I will contact you again as soon as possible with further details of my financial situation and my proposals for repaying my creditors.

This field is required.

Hold action while you apply for a debt relief order

Thu, 15 Feb 2024 08:27:12 +0000

This letter is relevant in England and Wales.

Hold action while you apply for a debt relief order (sole name)

Use this letter ask your creditors to hold action on your account while you apply for a debt relief order.

This sample letter covers England and Wales

To view all sample Letters that cover Scotland, please click here.

Use this letter ask your creditors to hold action on your account while you apply for a debt relief order. You can find more information about how to use this letter in our Debt relief orders guide.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I am writing to inform you that National Debtline are helping me to set up a debt relief order. They have told me it may take up to three months for the DRO to be set up and approved.

Therefore, please hold action on the above account and freeze interest and/or other charges that are being added.

The Insolvency Service will send you further information when the DRO has been approved.

Thank you for your understanding and I look forward to hearing from you soon.

(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

This field is required.

Hold action while you move your DMP

Mon, 15 Mar 2021 10:41:51 +0000

This letter is relevant in England, Wales and Scotland.

Hold action while you move your DMP (sole name)

Use this letter ask your creditors to hold action on your account while you move your debt management plan.

Use this letter to contact all your creditors to let them know that you are changing to a free debt management plan and there may be a delay in making payments. You can find more information about how to use this letter in our guide Debt management plans (DMPs) – changing your provider.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I am writing to inform you that I have changed my debt management plan provider. The new company will be providing the service free of charge. This will enable all of my available income to be distributed to my creditors.

Please be aware that there may be a delay in payments during the transitional period whilst I change my provider and I anticipate this delay may range from two to six weeks. I would advise you that I am sending my first payment to the new provider on

This field is required.

and payments will be distributed to my creditors shortly afterwards.

I request that you do not add any charges or additional interest for the late/missed payments to my account. I also request that you do not take any enforcement action. I feel I am making the correct choice and ask for you to treat this request sympathetically.

My new debt management plan provider will be contacting you shortly to confirm payment arrangements.

Yours faithfully

This field is required.

Information about instalments still to pay under a credit agreement

Wed, 02 Sep 2020 14:28:06 +0000

This letter is relevant in England, Wales and Scotland.

Information about instalments still to pay under a credit agreement (sole name)

Use this letter if you want a statement of your account showing what you still have to pay on your credit agreement.

Use this letter if you want a statement of your account showing what you still have to pay on your credit agreement. You cannot make this request for information about open-ended credit agreements, such as a credit or store card. You can find information about how to use this letter in our guide Credit agreements – getting information.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I would be grateful if you would send me a statement of the above account.

I understand that under the Consumer Credit Act 1974 (section 77b), I am entitled to receive a statement of account, showing details of the instalment payments that I still have to pay and any arrears. I understand there is no charge for sending me this information.

I understand a statement of account should be supplied as soon as is reasonably possible.

I look forward to hearing from you.

Yours faithfully

This field is required.

Information about your agreement under the Consumer Credit Act

Wed, 02 Sep 2020 12:54:49 +0000

This letter is relevant in England, Wales and Scotland.

Information about your agreement under the Consumer Credit Act (sole name)

Use this letter if you want a copy of your credit agreement and/or a statement of the account and the creditor has so far refused to send you a copy free of charge.

Use this letter if you want a copy of your credit agreement and/or a statement of the account and the creditor has so far refused to send you a copy free of charge. Remember to enclose the fee of £1 when you send the letter to your creditors. You can find information about using this letter in our guide Credit agreements – getting information.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

Please send me a copy of the above credit agreement and a full breakdown of the account including any interest or charges added.

I understand that under the Consumer Credit Act 1974 (sections 77-79), I am entitled to receive a copy of any credit agreement and a statement of account when I request it. I enclose a payment of £1 which is the fee payable under the Consumer Credit Act 1974.

I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.

I understand that, under the Consumer Credit Act 1974, creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account.

I look forward to hearing from you.

Yours faithfully

This field is required.

Personal information under the Data Protection Act

Wed, 20 Jan 2021 11:08:10 +0000

This letter is relevant in England, Wales and Scotland.

Personal information under the Data Protection Act (sole name)

Use this letter to ask for personal information held about you by an organisation. This is also called a ‘subject data access request’.

Use this letter to ask for personal information held about you by an organisation. This is also called a ‘subject data access request’. You can find information about how to use this letter in our guide Credit agreements – getting information.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

Please send me the information which I am entitled to under the Data Protection Act 2018.

I would particularly like you to provide information about the following items.

This field is required.

If you need further information from me, please let me know as soon as possible.

I understand that you should provide the information I have asked for without undue delay and at the latest within one month of receiving this letter.

I look forward to hearing from you.

Yours faithfully

This field is required.

Pro-rata offers

Wed, 20 Jan 2021 11:19:50 +0000

This letter is relevant in England, Wales and Scotland.

Pro-rata offers (sole name)

Use this letter to ask your creditors to accept pro-rata payments on your debts.

Use this letter to ask your creditors to accept pro-rata payments on your debts. Contact us for advice before using this letter.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

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.

Since making the above agreement with you, my circumstances have changed. I cannot now afford to make the agreed monthly payments for the following reasons.

This field is required.

I enclose a budget summary which shows my total income and my total outgoings. As you can see I have only £enter amount (required)
This field is required.
enter amountThis is the amount you have worked out on your personal budget sheet that you can afford to pay all your creditors.
per month left for my creditors.

I have worked out the offers I have made to my creditors on a pro-rata basis, and I have written to all my creditors asking them to accept reduced offers.

Because of my circumstances, please agree to accept a reduced offer of £enter amount (required)
This field is required.
enter amountThis should be the amount you have worked out on your personal budget sheet that you can pay this creditor.
per month. If you are adding interest or other charges to the account I would be grateful if you would freeze these so that all payments I make will reduce what we owe you.

If my circumstances improve, I will contact you again.

Please send a paying in book/standing order form (required)
This field is required.
paying in book/standing order form
to make it easier to pay you.

I look forward to hearing from you as soon as possible.

(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

This field is required.

Re-negotiate with your energy supplier if your current repayment arrangement is unaffordable

Thu, 14 Dec 2023 08:59:23 +0000

This letter is relevant in England, Wales and Scotland.

Re-negotiate with your energy supplier if your current repayment arrangement is unaffordable (sole name)

Use this letter to help you negotiate with your domestic 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 if you have already got a payment plan to repay your energy debt but you need to change this because you cannot keep up with the payments. Contact us for advice before using this letter.

The payments you offer should cover your current energy bills and repayments on the energy debt you owe. If you cannot afford to pay anything towards your energy debt right now, ask your supplier to pause your debt repayment arrangement until your circumstances improve.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

Type of supply:

This field is required.

I am writing to you because I am unable to keep paying my agreed repayments.

I understand that I owe £

This field is required.

for my electricity and £

This field is required.

for my gas.

The current repayment of £

This field is required.

per

This field is required.

towards the debt on my account is not affordable for me and I would like you to review this repayment arrangement. Ofgem requires energy suppliers to consider customers' circumstances and ability to pay when agreeing a debt-repayment plan.

I ask you to agree a new repayment amount of £

This field is required.

per

This field is required.

or accept a pause on debt repayment until my circumstances improve.

I enclose a copy of my budget summary which shows that my request is based on what I can afford.

Please reply to this letter in writing within 10 working days, confirming my

This field is required.

, including any other information you feel would be relevant or helpful to me (for example, trust fund information, energy efficiency information and so on).

I look forward to hearing from you.

Yours faithfully

This field is required.

Reconsider a token offer

Wed, 30 Sep 2020 12:23:28 +0000

This letter is relevant in England, Wales and Scotland.

Reconsider a token offer (sole name)

Use this letter when a creditor has refused your token offer of payment.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I refer to my recent letter and your reply regarding the above account.

I am disappointed that you will not accept my offer of payment. I carefully considered my financial situation before I made my offer to you. As I have no available income, I have offered you a token payment as a gesture of goodwill.

If I offered you a higher amount, it would be unfair to my other creditors. Also, I cannot afford to pay any more due to my current circumstances.

I have sent all of my creditors a copy of my budget summary and

This field is required.

have so far accepted my offer of payment.

If you sue me in the County Court, I would continue to offer this amount and I am confident it would be accepted by the court.

I would therefore be grateful if you would reconsider your reply to the above offer.

I look forward to hearing from you.

Yours faithfully

This field is required.

Reconsider freezing interest and charges

Wed, 17 May 2023 13:35:41 +0000

This letter is relevant in England, Wales and Scotland.

Reconsider freezing interest and charges (sole name)

Use this letter when a creditor refuses to freeze interest on your account.

Use this letter when a creditor refuses to freeze interest on your account. You can find information about how to use this letter in our Refused offers 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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

Thank you for your

This field is required.

about the above account. I am sorry that you feel unable to suspend interest charges on the above account. The majority of my other creditors have agreed to the offer of payment and agreed to suspend any interest charges still being added. They have accepted that adding further interest would not help me in my present financial difficulties, and would only increase my total debt.

As you are aware, I have already paid a lot of interest on my account. If interest charges continue, the monthly instalments I am paying will not even cover that interest. Also, the cooperation of my other creditors who have agreed to freeze interest already would be put at risk.

I would therefore be grateful if you would reconsider your decision not to freeze the interest. This would mean that the monthly payments I make would actually reduce the amount we owe to your company.

I look forward to hearing from you.

Yours faithfully

This field is required.

Reconsider my pro-rata offer

Wed, 02 Sep 2020 14:27:55 +0000

This letter is relevant in England, Wales and Scotland.

Reconsider my pro-rata offer (sole name)

Use this letter when a creditor has refused your pro-rata offer of payment.

Use this letter when a creditor has refused your pro-rata offer of payment. For information on how to use this letter see 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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

Thank you for your recent

This field is required.

about the above account.

I am sorry that you feel unable to accept the offer which I have made. Most of my other creditors have accepted the offers made to them and I have begun making payments. I cannot offer you more because I can only afford £

This field is required.

each month between all my creditors, and it would be wrong to stop or reduce payments to my other creditors in favour of your company. I have worked out my offer to you on a pro-rata basis. This is the same method that the County Court uses to work out repayments.

As my other creditors have agreed to my repayment offers, please reconsider my offer. As a gesture of goodwill, I will be making the payments that I have offered to your company from now on.

I look forward to hearing from you.

Yours faithfully

This field is required.

Request a stay of execution in the High Court

Thu, 15 Feb 2024 08:35:23 +0000

This letter is relevant in England and Wales.

Request a stay of execution in the High Court (sole name)

Use this letter to request a stay of execution in the High Court when you are unable to pay immediately.

This sample letter covers England and Wales

To view all sample Letters that cover Scotland, please click here.

Use this letter to request a stay of execution in the High Court when you are unable to pay immediately. You can find information on how to use this letter in our High Court enforcement 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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Case No:

This field is required.

I am unable to pay the sum claimed immediately and wish to apply for a stay of execution. I enclose an

This field is required.

in support of my application.

I am able to pay £

This field is required.

per month and my first monthly instalment could be made on

This field is required.

I have carefully considered my financial circumstances and believe that this is a realistic and affordable amount.

I hope that you will be able to accept the repayments I have offered .

Yours faithfully

This field is required.

Tell a bailiff that you are vulnerable

Thu, 15 Feb 2024 08:34:12 +0000

This letter is relevant in England and Wales.

Tell a bailiff that you are vulnerable (sole name)

Use this letter to tell a bailiff that you are vulnerable and ask them to return the debt to your creditor.

This sample letter covers England and Wales

To view all sample Letters that cover Scotland, please click here.

Use this letter to tell a bailiff that you are vulnerable and ask them to return the debt to your creditor. You can find information about how to use this letter in our Bailiff complaints 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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30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

You have contacted me regarding the account with the above reference number, which you claim is owed by me to

This field is required.

because of

This field is required.

You have stated that you will be

This field is required.

to try to take control of my goods unless I pay the full amount of £

This field is required.

straight away.

I believe that I am in a 'vulnerable situation' according to the ‘Taking Control of Goods: National Standards’ and the Enforcement Conduct Board’s ‘Standards for Agents’.

[include a paragraph outlining any special circumstances you have that you want the bailiff company to take into account that make you or your family vulnerable, for example illness, disability, age or bereavement. include evidence of your medical condition if possible, or supporting evidence from a doctor, social worker, mental health worker or other professional. also include information about why your financial situation is unlikely to improve.]*

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I ask you not to make a visit because this would cause me distress and anxiety. Instead, please ask

This field is required.

to take the debt back. I am currently getting advice about dealing with my debts from National Debtline. I will get in touch as soon as I am able to explain what I can afford to pay.

Please confirm in writing that you have agreed to my request and state what action you have taken.

I am sending a copy of this letter to

This field is required.

I look forward to hearing from you.

Yours faithfully

This field is required.

Tell a creditor you are in breathing space

Tue, 22 Mar 2022 15:19:22 +0000

This letter is relevant in England and Wales.

Tell a creditor you are in breathing space (sole name)

Use this letter to tell a creditor that you are in breathing space and to stop collection of the debt

This sample letter covers England and Wales

To view all sample Letters that cover Scotland, please click here.

Use this letter to tell a creditor that you are in a breathing space moratorium.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

Thank you for your

This field is required.

about the above account.

I ask you not to contact me further because I have entered a breathing space moratorium through National Debtline). You are required to follow the Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020.

Reg. 11 (1) says that "During a moratorium period neither a creditor nor the creditor's agent must contact a debtor in relation to the enforcement of a moratorium debt, including to demand payment or as a precursor to starting any legal proceedings against the debtor in connection with the moratorium debt".

Reg.7 says that a creditor must not:

(a) take a step to collect a moratorium debt from a debtor; or

(l) contact a debtor for the purpose of enforcement of a moratorium debt.

Please stop all collection activity on this account until my breathing space moratorium is complete. Please also confirm in writing that you have agreed to my request.

I am sending a copy of this letter to

This field is required.

I look forward to hearing from you.

Yours faithfully

This field is required.

Terminate a hire purchase agreement

Thu, 15 Feb 2024 08:36:33 +0000

This letter is relevant in England, Wales and Scotland.

Terminate a hire purchase agreement (sole name)

Use this letter when you want to terminate a hire-purchase agreement with your creditor.

Use this letter when you want to terminate a hire-purchase agreement with your creditor. You can find information about how to use this letter in our Hire purchase debt 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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Voluntary termination of agreement

Account No:

This field is required.

Car make/model/registration no:

This field is required.

I am writing to notify you that I am exercising my right to terminate the above agreement under Section 99 of the Consumer Credit Act 1974.

I understand that I will owe you for the amount calculated under the formula in Section 100 of the Consumer Credit Act 1974.

Please send me details of how the vehicle can be returned to you.

Please confirm receipt of this request by

This field is required.

to me on Insert your fax number, email address or postal address. (required)
This field is required.
Insert your fax number, email address or postal address.
.

I look forward to hearing from you.

Yours faithfully

This field is required.

Time has run out to recover a mortgage shortfall

Mon, 14 Jun 2021 14:56:28 +0000

This letter is relevant in England and Wales.

Time has run out to recover a mortgage shortfall (sole name)

Use this letter to dispute liability if your lender has not contacted you for over 12 years, and you have not made a payment or written acknowledgment during this period.

This sample letter covers England and Wales

To view all sample Letters that cover Scotland, please click here.

Use this letter to dispute liability if your lender has not contacted you for over 12 years, and you have not made a payment or written acknowledgment during this period. You can find more 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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

You have contacted me regarding the above account, which you claim I owe. I do not admit any liability for the debt.

The Limitation Act 1980 Section 20(1) states the following.

"No action shall be brought to recover (a) any principal sum of money secured by a mortgage or other charge on property (whether real or personal);…after the expiration of twelve years from the date on which the right to receive the money accrued".

Also, UK Finance has agreed that with effect from 11 February 2000, anyone whose property was repossessed and sold and has not been contacted by their lender within six years of the date of sale, will not be asked to pay the shortfall. Whether or not you are a member of UK Finance, this policy is good practice and I urge you to follow it.

I also refer you to the Financial Conduct Authority's ‘Mortgages and Home Finance: Conduct of Business sourcebook (MCOB)’, which states that if a lender decides to recover a mortgage shortfall debt they must make sure the borrower is informed of this within six years of the date of the sale.

Please confirm in writing that the matter is now closed and that you will not make any further contact with me about the above account.

I look forward to hearing from you.

Yours faithfully

This field is required.

Time has run out to recover the debt

Wed, 09 Aug 2023 08:21:14 +0000

This letter is relevant in England and Wales.

Time has run out to recover the debt (sole name)

Use this letter to help you dispute liability for ‘simple contract’ debts. Make sure that you have not made a payment acknowledged the debt within 5 years.

This sample letter covers England and Wales

For a version of this sample letter that covers Scotland, please click here.

Use this letter to help you dispute liability for ‘simple contract’ debts. You must be reasonably sure that you have not made a payment or written acknowledging that you owe the debt during the six year period. You can find information about how to use this letter in our Statute barred debts 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.
Download your letter to your computer for saving and printing by clicking on 'Download pdf' or 'Download doc' on the left.
Sign each letter and enclose a copy of your budget if needed.

Our service is always free. If you have any questions or need advice, call us on 0808 808 4000.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

You have contacted me about the account with the above reference number, which you claim I owe. I do not admit any liability for your claim.

Under the Limitation Act 1980 Section 5:

"An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued."

Also, the Financial Conduct Authority’s Consumer Credit sourcebook states the following.

“…a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period.” 7.15.4

“A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred.” 7.15.8

Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, you are no longer able to take any court action against me to recover the amount you allege I owe.

Please confirm in writing that you will not make any further contact about the above claim and confirm that this matter is now closed.

I look forward to hearing from you.

Yours faithfully

This field is required.

Token payment or no offer of payment

Thu, 25 Jan 2024 10:01:53 +0000

This letter is relevant in England, Wales and Scotland.

Token payment or no offer of payment (sole name)

Use this letter to ask your creditors to accept a token payment or no payment on your debts

Use this letter to ask your creditors to accept a token payment or no payment on your debts. Contact us for advice before using this letter.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

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.

Since making the above agreement with you, my circumstances have changed. I cannot now afford to make the agreed monthly payments for the following reasons.

This field is required.

I enclose a budget summary which shows my total income, and my total outgoings. As you can see, I have no money left to make offers of payment to my creditors.

Because of my circumstances, please agree to suspend payments for six months/accept a token offer of £1 a month for the next six months. (required)
This field is required.
suspend payments for six months/accept a token offer of £1 a month for the next six months.Make sure you only offer what you can afford.
If you are adding interest or other charges to the account, I would be grateful if you freeze these so that the debt does not increase.

If my circumstances improve, I will contact you again.

Please send a paying-in book/standing order form (required)
This field is required.
paying-in book/standing order form
to make it easier to pay you.

I look forward to hearing from you as soon as possible.

(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

This field is required.

Withdraw your continuous payment authority from buy now pay later company

Mon, 16 May 2022 13:35:03 +0000

This letter is relevant in England, Wales and Scotland.

Withdraw your continuous payment authority from buy now pay later company (sole name)

Use this letter to tell the payday loan company that you are withdrawing your authority for payments to be debited from your card.

Use this letter to tell the buy now pay later company that you are withdrawing your authority for payments to be debited from your card.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

With immediate effect, I withdraw my authority for all future payments to be debited from card number

This field is required.

in respect of the above buy now pay later agreement.

Please confirm in writing that you have received and actioned this instruction.

I look forward to hearing from you.

Yours faithfully

This field is required.

Withdraw your continuous payment authority from payday loan company

Thu, 15 Feb 2024 08:25:07 +0000

This letter is relevant in England, Wales and Scotland.

Withdraw your continuous payment authority from payday loan company (sole name)

Use this letter to tell the payday loan company that you are withdrawing your authority for payments to be debited from your card.

Use this letter to tell the payday loan company that you are withdrawing your authority for payments to be debited from your card. You can find information on how to use this letter in our Payday loans 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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

With immediate effect, I withdraw my authority for all future payments to be debited from card number

This field is required.

in respect of the above loan.

Please confirm in writing that you have received and actioned this instruction.

I look forward to hearing from you.

Yours faithfully

This field is required.

Withdraw your continuous payment authority from your card issuer

Thu, 15 Feb 2024 08:28:17 +0000

This letter is relevant in England, Wales and Scotland.

Withdraw your continuous payment authority from your card issuer (sole name)

Use this letter to tell your bank that you are withdrawing your authority for payments to be debited from your card.

Use this letter to tell your card issuer that you are withdrawing your authority for payments to be taken by the payday loan company. You can find information on how to use this letter in our guide Payday loans.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Card No:

This field is required.

With immediate effect, I withdraw my authority for all future payments to be debited from the above card number by

This field is required.

Please confirm in writing that you have received and actioned this instruction.

I look forward to hearing from you.

Yours faithfully

This field is required.

Write off after death

Wed, 20 Jan 2021 11:22:07 +0000

This letter is relevant in England, Wales and Scotland.

Write off after death (sole name)

Use this letter when someone you know has died and they have left no assets or will behind. Contact us for advice before using this letter.

Fill in your contact details, the 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 before sending it.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I am writing to you about the above account, which

This field is required.

owed.

This field is required.

passed away on

This field is required.

. I enclose a copy of their death certificate. They didn't leave behind any assets and there is no money to pay what they owe.

This field is required.

Please consider writing off this debt because there is no prospect of you ever recovering any money towards it. Please write back to me to confirm your decision.

I look forward to hearing from you.

Yours faithfully

This field is required.

Write off the debt

Wed, 09 Aug 2023 13:52:31 +0000

This letter is relevant in England, Wales and Scotland.

Write off the debt (sole name)

Use this letter when asking your creditor if they would consider writing off your debt. You can also use our guide Review your offers to creditors.

Use this letter when asking your creditor if they would consider writing off your debt. You can find information about how to use this letter in our guide Write off debt.

Getting a write-off on your debt is likely to have a negative impact on your ability to get credit in the future for up to six years. However, a write-off may still be the best debt solution for you as it is likely that your credit file will already be negatively impacted. See our Credit reference agencies guide for more information.

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.

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.

Our service is always free. If you have any questions or need advice, call us on 0808 808 4000.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

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 enclose a copy of my budget which gives details of my present financial circumstances. I also enclose

This field is required.

As you can see, my outgoings are more than my income and I am experiencing extreme financial hardship.

I would be very grateful if you would consider writing off the outstanding debt owing. I have always taken my financial responsibilities very seriously but unfortunately, my circumstances are so bad that I cannot realistically maintain payments of any kind. Please take the following special information into account when making your decision.

This field is required.

As you can see my situation is very unlikely to improve in the future and my continued high debt level may have a serious effect on my physical and mental wellbeing.

I would be grateful if you would seriously consider my request to write off the debt.

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

This field is required.

Write off the debt (second request)

Wed, 20 Jan 2021 11:23:24 +0000

This letter is relevant in England, Wales and Scotland.

Write off the debt (second request) (sole name)

Use this letter to ask your creditor to reconsider their refusal to write off your debt. Contact us for advice before using this letter.

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.

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

This field is required.

30th May 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

Thank you for your

This field is required.

concerning the above account. I am sorry that you are unable to write off the outstanding debt.

The majority of my creditors have agreed to write off the debts I owe. They have accepted that my circumstances mean that I cannot realistically maintain payments of any kind.

I would therefore be grateful if you would reconsider writing off this debt. Please take the following information into account when making your decision.

This field is required.

I would therefore be grateful if you would reconsider writing off this debt. If you do not agree to this request, please consider accepting token payments on this account of £1 per month. As you will see from the enclosed budget summary I have no available income and I am not in a position to make realistic offers of payment. Also, please freeze any interest and charges on the account to avoid the situation getting worse.

I look forward to hearing from you.

Yours faithfully

This field is required.