Sample letter

Write off the debt second request SCOTLAND (sole name)

​Use this letter to ask your creditor to reconsider their refusal to write off your debt. 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.

21 September 2020

Dear Sir/Madam

Account No:

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 are such 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.

Yours faithfully