Sample letter

Hold action while you apply for a debt relief order (joint names)

​Use this letter to ask your creditors to hold action on your account while you apply for a debt relief order. You can find more information about how to use this letter in our fact sheet Debt relief orders.

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 inform you that National Debtline are helping us to set up a debt relief order.

This process normally takes a few weeks but because of the impact of COVID-19 (Coronavirus) on their organisation, they have told me it may take up to three months for the DRO to be set up and approved.

Therefore, please hold action on the above account and freeze interest and/or other charges that are being added.

The Insolvency Service will send you further information when the DRO has been approved.

Thank you for your understanding and we look forward to hearing from you soon.

(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