Example of a letter to ask a non-priority creditor to write off a debt

(Italics show where you put in your own words)

Creditor’s name and address                                                                                                                                                                                    Your address

                                                                                                                                                                                                                                             Date

Dear Sir or Madam,

Account Number

I am/We are writing to you because I am/we are in financial difficulties. My/our financial statement is enclosed.

Briefly explain the reasons for your financial difficulties and why you do not expect them to improve sufficiently for you to make payments to credit (non-priority) debts in the future. Difficulties could, for example, be due to your or a close family member’s becoming ill or disabled. Say if you are enclosing a copy of medical evidence.

If any expenses are particularly high, because for example someone has a special diet or needs extra heating, briefly explain this here.

As you will see from the financial statement, I/we currently have no money left each month for credit debts and I/we do not unfortunately expect the situation to improve. In the unusual circumstances, I/we would be grateful if you could write off my/our debt. If this is not possible, please could you suspend payments and freeze any interest or charges that are accruing, then review the situation in, say, six months?

I/We look forward to hearing from you.

Yours faithfully,