Sample letter

Creditors asking for payment after debt relief order approved (sole name)

​Use this letter if a creditor included in your debt relief order is still demanding payments after the order has been approved. Contact us for advice before using this letter.

Letter in joint names

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.
 
  • Fill in your contact details, account number and any extra information you want to include in the grey shaded areas.

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  • Sign each letter and enclose a copy of your budget if needed.








22 November 2017

Dear Sir/Madam

Account No:

You have recently contacted me about the above account. This debt is currently subject to a debt relief order (DRO), reference , which was made on . As you are aware, this is a formal insolvency procedure which places a 12 month moratorium on qualifying debts scheduled within the order. Once the 12 month period has passed, this debt will be written off. The Insolvency Service has issued guidance regarding debt relief orders, which states:

“While the subject of a DRO, debtors need not take any action in relation to continuing correspondence from creditors scheduled as qualifying creditors in their DRO and should under no circumstances make any payments to the said creditors.”

“If the debtor receives any requests for payment from creditors that are scheduled within the DRO during the period of the order, the debtor should indicate that they are the subject to a DRO, and as such creditors have no remedy in respect of these debts.”

Please confirm in writing that you will stop all collection activity immediately and that this matter is now closed. Otherwise I will have no option but to make a formal complaint to you and, if unresolved, to the appropriate regulator or ombudsman.

I look forward to hearing from you.

Yours faithfully