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This letter is relevant in England and Wales.

England Wales

Our client is in breathing space (Creditor) (sole name)

Use this letter to tell a creditor that our client is in breathing space and 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 our client is in a breathing space moratorium.

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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12th December 2024

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However you feel comfortable, we can help you make a plan to take control of your debt.