National Debtline | Sample letters - Reconsider my pro-rata offer

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.

8th October 2024 [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.

Change country

Reconsider my pro-rata offer (sole name)

Reconsider my pro-rata offer (sole name)

Letter in joint names