Sample letter

Take me to court (joint names)

Use this letter when a creditor has turned down your offer of payment and you want the creditor to take you to court.








16 December 2018

Dear Sir/Madam

Account / Reference Number:

Thank you for your letter of concerning the above account.

We are very disappointed that we seem unable to reach a satisfactory compromise in this case. As we have already explained, we can only afford £ per month at the present time, and feel that it is pointless paying this amount to you only to see the debt increase. We therefore invite you to take court action against us for the debt, when we shall have the opportunity of offering £ per month through the NI High Court.

In addition, once judgment is granted we understand that further interest will be suspended.

It seems that we can only achieve a reasonable outcome to this matter by allowing the court to decide, although this will involve the extra expense for yourself and time wasted with court proceedings.

We would therefore be grateful if you would reconsider your decision. The offer of £ per month plus suspension of interest is a reasonable request and due to our financial circumstances would prove in both of our interests.

We will contact you immediately if our circumstances improve.

We look forward to hearing from you as soon as possible.

Yours faithfully