Sample letter

Hold action on your account (joint names)

​Use this letter to ask your creditors to hold action on your account while you get some advice. Contact us for advice before using this letter.

Letter in sole 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.

  • Today’s date will be added automatically.

  • Download your letter to your computer for saving and printing by clicking on ‘Download pdf’ or ‘Download doc’ on the left.

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


21 September 2020

Dear Sir/Madam

Account No:

We are writing to tell you that we are getting advice from National Debtline on dealing with our financial situation and choosing the right debt solution for us.

Because of this, we would appreciate it if you could hold action on the above account for a period of at least 30 days to give us the breathing space we need to do a budget sheet and work out the best way to deal with our debts.

Also, if you are adding interest or other charges to the account, we would be grateful if you would freeze these during this period, so that our debt does not get any bigger.

We will contact you again as soon as possible with further details of our financial situation and our proposals for repaying our creditors.

We look forward to hearing from you as soon as possible.

(Please note, all further correspondence should be addressed to us. National Debtline are a self-help agency and are not acting as our representative).

Yours faithfully