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Call 0808 808 4000 and get help with your debts.
Use this letter to help you negotiate a full and final settlement offer with your lender. This is a type of offer where you ask the lender to accept part of the amount you owe and write off the rest. You can find information about how to use this letter in our Mortgage shortfalls fact sheet
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.
27th September 2023
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