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Sample Letter

Pro-rata offers (sole name)

Use this letter to ask your creditors to accept pro-rata payments on your debts. Contact us for advice before using this letter.

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.
Since making the above agreement with you, my circumstances have changed. I cannot now afford to make the agreed monthly payments for the following reasons.
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.
.
I enclose a budget summary which shows my total income and my total outgoings. As you can see I have only £
This field is required.
Enter amountThis is the amount you have worked out on your personal budget sheet that you can afford to pay all your creditors.
per month left for my creditors.
I have worked out the offers I have made to my creditors on a pro-rata basis, and I have written to all my creditors asking them to accept reduced offers.
Because of my circumstances, please agree to accept a reduced offer of £
This field is required.
Enter amountThis should be the amount you have worked out on your personal budget sheet that you can pay this creditor.
per month. If you are adding interest or other charges to the account I would be grateful if you would freeze these so that all payments I make will reduce what we owe you.
If my circumstances improve, I will contact you again.
Please send a
This field is required.
Paying in book/standing order form
to make it easier to pay you.
I look forward to hearing from you as soon as possible.
(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