Sample letters to creditors

You can use our downloadable template letters to inform organisations of your vulnerable registration, request information from your creditors, or to make suitable arrangements to pay off your debts.

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.

CPD template letter

Use this covering letter if you are authorised by the Court of Protection as a deputy to make decisions on someone’s behalf and would like to inform other organisations. You should enclose a copy of your appointment as a deputy along with the letter.


CPD template letter


POA & LPA template

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.


POA template
LPA template


Creditor harassment warning

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


Time has run out to recover a debt – statute barred debt in England, Wales or Northern Ireland

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


Ask your domestic energy supplier to accept affordable payments towards your arrears

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


Write off the debt second request

Use this letter to ask your creditor to reconsider their refusal to write off your debt.


Write off the debt second request


Request to write off a debt

Use this letter when asking your creditor if they would consider writing off your debt.


Request to write off a debt


Token payment or no offer of payment

Use this letter to ask your creditors to accept a token payment or no payment on your debts.


Token payment or no offer of payment


Reconsider pro-rata offer

Use this letter when a creditor has refused your pro-rata offer of payment


Reconsider pro-rata offer


Pro-rata offer

Use this letter to ask your creditors to accept pro-rata offers of payment on your debts.


Pro-rata offer