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At a glance: What to do if someone you owe rejects an offer of payment.
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This summary covers England and Wales
For a version of this summary that covers Scotland, please click here.

This page has help for if someone you owe has refused your offer of payment on a non-priority debt.

These are things like credit card debts, unsecured loans and overdrafts.

What do I do if a creditor refuses my offer?

If you offer to make payments you can afford and your creditor refuses, it can sometimes help to write to ask them to think again.

Start making the payments anyway. You can say you are doing this as a gesture of goodwill.

Tell them if any other creditors have accepted your offers. Send copies of letters from your other creditors as proof.

Explain that you cannot increase your offer. Point out that you must treat all your creditors fairly.

What do I do if my creditors refuse to freeze interest?

If you offer to make small payments, the interest may be more than your payments. Then the debt will get bigger. Explain this to your creditors and ask them to freeze interest.

If your creditors refuse to freeze interest, carry on making the payments you have offered anyway.

What if my offers are still refused?

Your creditors do not have to accept your offer of payment or freeze interest. If they refuse, carry on making the payments you have offered anyway. Do not let creditors persuade you to pay more than you can afford. You may fall behind with your mortgage or rent, or your other essential bills. You may also find you do not have enough money to live on.

Things your creditors cannot do

Your creditors are allowed to contact you to ask for payment, but they must not threaten or harass you. You can make a complaint and may be able escalate the complaint to the Financial Ombudsman Service (FOS) if they do.

These are things creditors can only do if they have a court order:

  • Take goods from your home.
  • Repossess your home.
  • Take money from your wages.

Learn more about this topic

If you want to learn more about this topic, you can read our in-depth guide.

Read in-depth-guide

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