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Sample Letter

Our client is in breathing space (Creditor) (sole name)

Use this letter to tell a creditor that our client is in a breathing space moratorium.

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
You need to include the organisation name.
Name of the organisation you are writing toInclude the name of the person or creditor you are writing to.
You need to include their address.
Their address line 1Make sure you include the full address for the person or organisation. Don't forget the post code.
Their address line 2
Their address line 3
You need to include their postcode.
Their postcodeDon't forget their postcode.
You need to include your address.
Your address line 1Make sure you include your full address.
Your address line 2
Your address line 3
You need to include your postcode.
Your postcodeDon't forget your postcode.

29th February 2024

Dear Sir/Madam
Account No:
Our client has contacted us regarding the above account.
We ask you not to contact our client any further because they have entered a breathing space moratorium through National Debtline. You are required to follow the Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020.
Reg. 11 (1) says that “During a moratorium period neither a creditor nor the creditor’s agent must contact a debtor in relation to the enforcement of a moratorium debt, including to demand payment or as a precursor to starting any legal proceedings against the debtor in connection with the moratorium debt”.
Reg.7 says that a creditor must not:
(a) take a step to collect a moratorium debt from a debtor; or
(l) contact a debtor for the purpose of enforcement of a moratorium debt.
Please stop all collection activity on this account until the breathing space moratorium is complete. If you continue to break breathing space rules, this will be reported to the Insolvency Service.
Please send confirmation to our client that breathing space protections will be applied.
Yours faithfully
You need to include your name(s).
Include your full name