Sample letter

Write off the debt second request (joint names)

Letter in sole name

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.

​Use this letter to ask your creditor to reconsider their refusal to write off your debt. Contact us for advice before using this letter.

  • 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 concerning the above account. We are sorry that you are unable to write off the outstanding debt.

The majority of our creditors have agreed to write off the debts we owe them. They have accepted that our circumstances mean that we cannot realistically maintain any kind of payments.

We would therefore be grateful if you would reconsider writing off this debt. Please take the following information into account when making your decision.


We would therefore be grateful if you would reconsider writing off this debt. If you do not agree to this request, please consider accepting token payments on this account of £1 per month. As you will see from the enclosed budget summary we have no available income and we are not in a position to make realistic offers of payment. Also, please freeze any interest and charges on the account to avoid the situation getting worse.

Yours faithfully