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Sample Letter

Reconsider a token offer (sole name)

Use this letter when a creditor has refused your token offer of payment.

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 refer to my recent letter and your reply regarding the above account.
I am disappointed that you will not accept my offer of payment. I carefully considered my financial situation before I made my offer to you. As I have no available income, I have offered you a token payment as a gesture of goodwill.
If I offered you a higher amount, it would be unfair to my other creditors. Also, I cannot afford to pay any more due to my current circumstances.
I have sent all of my creditors a copy of my budget summary and
This field is required.
All, most or insert the number who haveTell your creditor how many of your other creditors have accepted your offers of payment.
have so far accepted my offer of payment.
If you sue me in the County Court, I would continue to offer this amount and I am confident it would be accepted by the court.
I would therefore be grateful if you would reconsider your reply to the above offer.
I look forward to hearing from you.
Yours faithfully
You need to include your name(s).
Include your full name