End a hire purchase or a conditional sale agreement - joint letter

You can use this 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.

Before you use using this letter, it might help to read our information find out more about hire purchase and conditional sale agreements.

Check if this letter is useful for your specific situation. If you need more specific advice and guidance, you can talk to an adviser.

Writing your letter

To write your letter you’ll need:

• your creditor’s name and address

• your account number

• a few sentences explaining your situation

First you’ll fill in a form with some details about your debt. Your answers will go into your letter. 

You must write something in each box on the form, unless it’s marked as ‘optional’. If you don’t fill in a box an error message will appear at the top of the form and you won’t be able to continue until you fill it in.

We don’t store your information. If you go to another webpage before you’ve finished your letter, your answers will be deleted.

Sending your letter

There are different ways you can send your letter to your creditor. You can:

•  download it and attach it to an email

•  download it and print it out to send in the post

•  copy and paste it into an email or web form

You should save a copy of the letter for your records.

Example letter

First, you can see an example of the letter to get an idea of what you are writing. This is a finished letter, with example details in it.

This letter is for a joint debt - if you need to write to a creditor about a debt which is only in your name, use the letter to end a hire purchase or a conditional sale agreement instead.

Choose ‘Write letter’ to start writing your own version of the letter.

Write letter