Sample letter

Reconsider my pro-rata offer SCOTLAND (joint names)

​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 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.

23 September 2020

Dear Sir/Madam

Account No:

Thank you for your recent concerning the above account.

We are sorry that you feel unable to accept the offer which we have made. Most of our other creditors have accepted the offers made to them and we have begun making payments. We cannot offer you more because we can only afford £ each month between all our creditors, and it would be wrong to cease or reduce payments to our 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 our available income amongst all our creditors.

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

We look forward to hearing from you.

Yours faithfully