Thank you for your concerning the above account. I am sorry that you are unable to write off the outstanding debt.
The majority of my creditors have agreed to write off the debts I owe. They have accepted that my circumstances mean that I cannot realistically maintain payments of any kind.
I would therefore be grateful if you would reconsider writing off this debt. Please take the following information into account when making your decision.
I would therefore be grateful if you would reconsider writing off this debt. If you do not agree to this request, please consider accepting token payments on this account of £1 per month. As you will see from the enclosed budget summary I have no available income and I am not in a position to make realistic offers of payment. Also, please freeze any interest and charges on the account to avoid the situation getting worse.
I look forward to hearing from you.