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This letter is relevant in England & Wales.

England Wales

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.

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

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