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Use this letter to help you negotiate a full and final settlement offer with your lender. This is a type of offer where you ask the lender to accept part of the amount you owe and write off the rest. You can find information about how to use this letter in our fact sheet Mortgage shortfalls.
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.
8th November 2024
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