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Sample Letter

Token payment or no offer of payment (sole name)

​Use this letter to ask your creditors to accept a token payment or no payment 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 no money left to make offers of payment to my creditors.
Because of my circumstances, please agree to
This field is required.
Suspend payments for six months/accept a token offer of £1 a month for the next six months.Make sure you only offer what you can afford.
If you are adding interest or other charges to the account, I would be grateful if you freeze these so that the debt does not increase.
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