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Sample letters to creditors

If you've got debts you can use our sample letter generator to write to your creditors. You can use the letter templates to tell your non-priority creditors about your situation and to ask them to accept your repayment plan. These debts include credit cards and other unsecured loans. Make sure you read the guidelines for using the letter templates first.

No money to pay creditors - letter

Letter for when you have no money available to offer to your non-priority creditors.

Guidelines for using the letter templates

Guide on using sample letters to creditors.

Holding letter

Letter to ask creditors to hold off for a short period while you work out your budget or get advice.

Offer to non-priority creditor - letter

Letter for when you have some money available to offer your non-priority creditors.

Request to write off a debt - letter

Letter for when you can't make an offer of repayment and your circumstances are not going to improve.

Ending a hire purchase or a conditional sale agreement - letter

Letter to end a hire purchase or conditional sale agreement. You might need to do this if you can't afford the payments any more.