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Sample Letter

Hold action on your account for 30 more days (sole name)

Use this letter to ask your creditors to hold action on your account for 30 more days. Contact us for advice before using this ​letter.

You can choose to send a letter in your own name or in joint names.

  • 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.

29th February 2024

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 and help with my current financial difficulties.
Due to exceptional circumstances, I need 30 additional days to give me the time and space I need to do a budget sheet and work out the best way to deal with my debts. Please take the following information into account when making your decision.
This field is required.
Include a paragraph outlining the special circumstances you have that you want the creditor to take into account.For example, illness, disability, age or bereavement. Include evidence of any medical condition if possible, or supporting evidence from a doctor, social worker, mental health worker etc. Also include information about why your financial situation is unlikely to improve.
Please continue to suspend collections activities on my account and provide 30 more days' time.
If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period, so that my debt does not get any bigger.
I will contact you again as soon as possible with further details of my financial situation and my proposals for repaying my creditors.
You need to include your name(s).
Include your full name