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Sample Letter

Continue accepting my offer (sole name)

​Use this letter if your situation has not improved, to ask your creditors to continue accepting your current payment offer. You can find more information about how to use this letter in our fact sheet Payment offer - what to do if a creditor refuses​.

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.

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.

4th December 2020

Dear Sir/Madam
Account No:
This field is required.
Your account or reference numberYou will find your account or reference number on any paperwork from your creditor.
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 note that the above account is due to be reviewed.
I enclose a budget summary which shows that my overall financial circumstances have not improved since I last contacted you. Therefore, please continue to accept my monthly payments, as already agreed, and also continue to freeze interest and other charges on the account.
If my circumstances improve I will contact you again.
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
You need to include your name(s).
Include your full name