Sample letter

Reconsider my pro-rata offer (sole name)

Use this letter when a creditor has refused your offer of payment. You can find information about how to use this letter in our fact sheet Payment offer - what to do if a creditor refuses.

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:

Thank you for your recent about 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 stop or reduce payments to my other creditors in favour of your company. I have worked out my offer to you on a pro-rata basis. This is the same method that the County Court uses to work out repayments.

As my other creditors have agreed to my repayment offers, please reconsider my offer. As a gesture of goodwill, I will be making the payment that I have offered to your company from now on.

I look forward to hearing from you.

Yours faithfully