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Sample Letter

Reconsider my pro-rata offer (sole name)

​Use this letter when a creditor has refused your pro-rata offer of payment. For information on how to use this letter see 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.
Thank you for your recent
This field is required.
Letter/telephone call
about the above account.
I am sorry that you feel unable to accept the offer which I have made. Most of my other creditors have accepted the offers made to them and I have begun making payments. I cannot offer you more because I can only afford £
This field is required.
Money for creditorsThis is the amount you have worked out on your personal budget that you can pay all your creditors.
each month between all my creditors, and it would be wrong to stop or reduce payments to my other creditors in favour of your company. I have worked out my offer to you on a pro-rata basis. This is the same method that the County Court uses to work out repayments.
As my other creditors have agreed to my repayment offers, please reconsider my offer. As a gesture of goodwill, I will be making the payments that I have offered to your company from now on.
I look forward to hearing from you.
Yours faithfully
You need to include your name(s).
Include your full name