I am writing to tell you that I am getting advice and help with my current financial difficulties.
Because of this, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the breathing space I need to do a budget sheet and work out the best way to deal with my debts.
Also, if you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not get any bigger.
I will contact you again as soon as possible with further details of my financial situation and my proposals for repaying my creditors.
I look forward to hearing from you as soon as possible.