Download, edit and print these template letters to make requests, let your creditors know about your current situation and to make settlement offers. Spaces have been left so you can include your personal details. Just open the documents and add or delete text where needed.
Use this covering letter if you have a temporary or a lasting power of authority to make decisions on someone’s behalf about their financial affairs and would like to inform other organisations. You should enclose a copy of your Power of Attorney along with the letter.
Use this letter to tell your creditor if you think they are harassing you, and ask them to stop.
Creditor harassment after informing them of change in your circumstances
Use this letter to help you dispute liability for ‘simple contract’ debts. You must be reasonably sure that you have not made a payment or written acknowledging that you owe the debt during the six year period.
Time has run out to recover a debt - statute barred debt in England Wales or Northern Ireland
If you’re able to pay a smaller amount than the agreed monthly arrangement for a short time to your domestic energy supplier, you can send creditors an offer of an affordable payment.
Ask your domestic energy supplier to accept affordable payments towards your arrears