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This letter is relevant in England & Wales.

England Wales

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

Use this letter to tell a creditor that you are in breathing space and to 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 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.

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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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Your postcodeDon't forget your postcode.

20th June 2024

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