Sample letter

Take me to court (sole name)

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

25 November 2020

Dear Sir/Madam

Account / Reference Number:

Thank you for your letter of concerning the above account.

I am very disappointed that we seem unable to reach a satisfactory compromise in this case. As I have already explained, I 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. I invite you therefore to take court action against me for the debt, when I shall have the opportunity of offering £ per month through the NI High Court.

In addition, once judgment is granted I 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.

I 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 my financial circumstances would prove in both of our interests.

I will contact you immediately if my circumstances improve.

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

Yours faithfully