Sample letter

Pro-rata offers (sole name)

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

  • 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.

18 October 2019

Dear Sir/Madam

Account No:

Since making the above agreement with you, my circumstances have changed. I cannot now afford to make the agreed monthly payments for the following reasons.


I enclose a budget summary which shows my total income, and my total outgoings. As you can see I have only £ per month left for my creditors.

I have worked out the offers I have made to my creditors on a pro-rata basis and I have written to all my creditors asking them to accept reduced payments.

Because of my circumstances please agree to accept a reduced offer of £ per month. If you are adding interest or other charges to the account I would be grateful if you would freeze these so that all payments I make will reduce what I owe you.

If my circumstances improve, I will contact you again.

Please send a to make it easier to pay you.

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

Yours faithfully