Tell a creditor you are in breathing space

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 you are in a breathing space moratorium.

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

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8th October 2024 [today’s date]*

Dear Sir/Madam

Account No:

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Thank you for your

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about the above account.

I ask you not to contact me further because I have entered a breathing space moratorium through National Debtline). You are required to follow the Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020.

Reg. 11 (1) says that “During a moratorium period neither a creditor nor the creditor’s agent must contact a debtor in relation to the enforcement of a moratorium debt, including to demand payment or as a precursor to starting any legal proceedings against the debtor in connection with the moratorium debt”.

Reg.7 says that a creditor must not:

(a) take a step to collect a moratorium debt from a debtor; or

(l) contact a debtor for the purpose of enforcement of a moratorium debt.

Please stop all collection activity on this account until my breathing space moratorium is complete. Please also confirm in writing that you have agreed to my request.

I am sending a copy of this letter to

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I look forward to hearing from you.

Yours faithfully

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Tell a creditor you are in breathing space (sole name)

Tell a creditor you are in breathing space (sole name)

Letter in joint names