Sample letter

Reconsider my pro-rata offer SCOTLAND (sole name)

​Use this letter when a creditor has refused your pro-rata offer of payment. You can find information about how to use this letter in our fact sheets Payment offer - what to do if a creditor refuses and Review your offers to creditors.

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.

20 October 2019

Dear Sir/Madam

Account No:

Thank you for your recent concerning the above account.

I am sorry that you feel unable to accept the offer which I have made. Most of my other creditors have accepted the offers made to them and I have begun making payments. I cannot offer you more because I can only afford £ each month between all my creditors, and it would be wrong to cease or reduce payments to my other creditors in favour of your company. The offer made to you is on a pro-rata basis. This is the fairest way of dividing up my available income amongst all my creditors.

As my other creditors agreeing to my repayment offers, please reconsider my offer. As a gesture of goodwill, I will make the payments that I have offered to your company from now on.

I look forward to hearing from you.

Yours faithfully