Write off the debt | Sample letter

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.

Change to joint version

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25th January 2025 [today’s date]*

Dear Sir/Madam

Account No:

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I am writing to tell you that I am getting advice from National Debtline on dealing with my financial situation and choosing the right debt solution for me.

I enclose a copy of my budget which gives details of my present financial circumstances. I also enclose

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As you can see, my outgoings are more than my income and I am experiencing extreme financial hardship.

I would be very grateful if you would consider writing off the outstanding debt owing. I have always taken my financial responsibilities very seriously but unfortunately, my circumstances are so bad that I cannot realistically maintain payments of any kind. Please take the following special information into account when making your decision.

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As you can see my situation is very unlikely to improve in the future and my continued high debt level may have a serious effect on my physical and mental wellbeing.

I would be grateful if you would seriously consider my request to write off the debt.

I look forward to hearing from you.

(Please note, all further correspondence should be addressed to me. National Debtline are a self-help agency and are not acting as my representative).

Yours faithfully

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Write off the debt (sole name)

Write off the debt (sole name)

Letter in joint names

Letter in joint names