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This letter is relevant in England, Wales and Scotland.

England Wales

Write off the debt (sole name)

Use this letter when asking your creditor if they would consider writing off your debt. You can also use our guide Review your offers to creditors.

Use this letter when asking your creditor if they would consider writing off your debt. You can find information about how to use this letter in our guide Write off debt.

Getting a write-off on your debt is likely to have a negative impact on your ability to get credit in the future for up to six years. However, a write-off may still be the best debt solution for you as it is likely that your credit file will already be negatively impacted. See our Credit reference agencies guide for more information.

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.

  • 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.

Our service is always free. If you have any questions or need advice, call us on 0808 808 4000.

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
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24th July 2024

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