Sample letter

Debt still outstanding after reminders (sole name)

Use this letter to ask a customer to pay the money that they owe you.  Put your business letterhead at the top of the letter. You can find information about how to use this letter in our fact sheets Claims in the County Court and Credit control. If you want to start a court claim you will also need to follow the pre-action protocol for debt claims.

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.

24 November 2020

Dear Sir/Madam

Account No:
Overdue amount:

I am writing to you because your payment for invoice number is now days overdue. You have not raised any queries about your account, so I assume that you do not dispute the amount you owe. I have enclosed a copy of the unpaid invoice.

Unless payment is received by , I will have no alternative but to consider taking legal action to recover the money you owe. If you allow this to happen, court costs will be added to the debt. Credit reference agency records will show that you have a county court judgment against you. This will affect your ability to get further credit.

If you would like to discuss options to repay what you owe, please contact me within 14 days of receiving this letter.

You may wish to seek independent debt advice to help you deal with your debts. Below, we have listed some organisations that provide free and confidential advice on dealing with your debts.

Business Debtline
Free, confidential and independent advice for those who are self-employed.
Phone: 0800 197 6026

National Debtline
Free, confidential and independent debt advice for individuals who are not self-employed.
Phone: 0808 808 4000

StepChange Debt Charity
Charity providing free, confidential and independent debt advice for individuals who are not self-employed.
Phone: 0800 138 1111

Citizens Advice
Citizens Advice Bureaux provide free, independent and confidential advice to those who are not self-employed on their rights and responsibilities.

To find your nearest Citizens Advice Bureau, check your local phone directory or visit the Citizens Advice website,

I look forward to hearing from you.

Yours faithfully