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This letter is relevant in England & Wales.

England Wales

Token payment or no offer of payment (sole name)

Use this letter to ask your creditors to accept a token payment or no payment on your debts

​Use this letter to ask your creditors to accept a token payment or no payment on your debts. Contact us for advice before using this letter.

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.

15th June 2024

We’re here to support you
However you feel comfortable, we can help you make a plan to take control of your debt.