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This letter is relevant in England & Wales.

England Wales

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.

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Your address line 1Make sure you include your full address.
Your address line 2
Your address line 3
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Your postcodeDon't forget your postcode.

13th July 2024

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