Sample letter

Pro-rata offers (sole name)

​Use this letter to ask your creditors to accept pro-rata offers of payment on your debts. 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.


7 April 2020

Dear Sir/Madam

Account No:

Since making the above agreement with you, my circumstances have changed. My small business is having trading difficulties and I cannot now afford to make the agreed payments on this debt. With the cooperation of my creditors I may be able to continue trading.

I enclose a budget sheet which shows my total income and my outgoings. As you can see I have only £ per month left for my creditors.

I have worked out the offers I have made to my creditors on a pro-rata basis and I have written to all my creditors asking them to accept reduced offers.

Because of my circumstances please agree to accept a reduced offer of £ per month. If you are adding interest or other charges to the account, please freeze these so that my debt does not increase. If my circumstances improve I will contact you again.

Please send a to make it easier to pay you.

I look forward to hearing from you.

Yours faithfully