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Sample Letter

Write off the debt (second request) (sole name)

Use this letter to ask your creditor to reconsider their refusal to write off your debt. Contact us for advice before using this letter.

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.

  • 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
This field is required.
Letter/telephone call
concerning the above account. I am sorry that you are unable to write off the outstanding debt.
The majority of my creditors have agreed to write off the debts I owe. They have accepted that my circumstances mean that I cannot realistically maintain payments of any kind.
I would therefore be grateful if you would reconsider writing off this debt. 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 accountsuch as illness, disability, old age or bereavement. If there is no new information since you last provided these details, just repeat what was in your last letter. If there is new information, use this space to emphasise it. Include supporting evidence of your circumstances such as letters from a doctor, social worker, mental health professional and so on. Include a further paragraph about why your finances are unlikely to improve.
.
I would therefore be grateful if you would reconsider writing off this debt. If you do not agree to this request, please consider accepting token payments on this account of £1 per month. As you will see from the enclosed budget summary I have no available income and I am not in a position to make realistic offers of payment. Also, please freeze any interest and charges on the account to avoid the situation getting worse.
I look forward to hearing from you.
Yours faithfully
You need to include your name(s).
Include your full name