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Sample Letter

Hold action while you apply for a debt relief order (sole name)

Use this letter ask your creditors to hold action on your account while you apply for a debt relief order. You can find more information about how to use this letter in our Debt relief orders fact sheet.

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.

Create a joint version

  • 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.

27th September 2023

Date
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 inform you that National Debtline are helping me to set up a debt relief order. They have told me it may take up to three months for the DRO to be set up and approved.
Therefore, please hold action on the above account and freeze interest and/or other charges that are being added.
The Insolvency Service will send you further information when the DRO has been approved.
Thank you for your understanding and I look forward to hearing from you soon.
(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