Our debt advice may be different depending on the country you live in. Select your country below to ensure you get the right information.
This letter is relevant in England, Wales and Scotland.
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.
12th December 2024 [today’s date]*