Sample letter

Pro-rata offers (joint names)

​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 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.

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


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

We have worked out the offers we have made to our creditors on a pro-rata basis, and we have written to all our creditors asking them to accept reduced offers.

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

If our circumstances improve, we will contact you again.

Please send a to make it easier to pay you.

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