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Sample Letter

Write off the debt (sole name)

Use this letter when asking your creditor if they would consider writing off your debt. You can find information about how to use this letter in our fact sheet Write off debt.

Getting a write-off on your debt is likely to have a negative impact on your ability to get credit in the future for up to six years. However, a write-off may still be the best debt solution for you as it is likely that your credit file will already be negatively impacted. See our Credit reference agencies fact sheet for more information.

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.

Our service is always free. If you have any questions or need advice, call us on 0808 808 4000.

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.

28th November 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 tell you that I am getting advice from National Debtline on dealing with my financial situation and choosing the right debt solution for me.
I enclose a copy of my budget which gives details of my present financial circumstances. I also enclose
This field is required.
<b>put what other evidence is been being provided</b>
.
As you can see, my outgoings are more than my income and I am experiencing extreme financial hardship.
I would be very grateful if you would consider writing off the outstanding debt owing. I have always taken my financial responsibilities very seriously but unfortunately, my circumstances are so bad that I cannot realistically maintain payments of any kind. Please take the following special 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, age or bereavement. Include evidence of any medical condition if possible, or supporting evidence from a doctor, social worker, mental health professional and so on. Also include information about why your financial situation is unlikely to improve.
As you can see my situation is very unlikely to improve in the future and my continued high debt level may have a serious effect on my physical and mental wellbeing.
I would be grateful if you would seriously consider my request to write off the debt.
I look forward to hearing from you.
(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