This template letter allows a consumer to formally withdraw from a credit agreement before it has been executed. It confirms the consumer's intention to cancel the agreement and requests a full refund of any monies paid. The letter references the Consumer Credit Act 1974.

This letter template helps a consumer claim equal liability from their credit provider for a faulty item purchased using a credit card. It invokes Section 75 of the Consumer Credit Act 1974, holding the credit provider jointly and severally liable for the merchant's breach of contract. The letter requests the credit provider to offer the same solution as previously sought from the merchant.

This letter template allows individuals to formally terminate a joint hire purchase or conditional sale agreement before the final payment is due. It cites relevant sections of the Consumer Credit Act and requests information on returning the goods and any outstanding liability. This helps consumers exercise their legal right to end such agreements.

This template is a formal letter used to terminate a hire purchase or conditional sale agreement. It asserts the consumer's right to end the agreement under the Consumer Credit Act and requests arrangements for returning the goods. The letter also asks for a final statement of any remaining liability.

This template is a formal letter for an individual to request a debt write-off from a creditor, such as a bank. It explains the reasons for the inability to pay, often due to unforeseen circumstances like long-term illness, and includes a financial statement to demonstrate the lack of funds or assets. The letter asks the creditor to consider forgiving the debt.

This letter is a template for individuals with a joint account to send to their creditors. It explains that they are temporarily unable to make payments due to unforeseen circumstances, such as illness, and are awaiting benefit claims. The letter requests a temporary hold on account action and a freeze on interest and charges while they assess their financial situation and propose a payment plan.

This template is a letter for an individual to offer a reduced payment plan to a non-priority creditor, such as a bank, when they are experiencing financial difficulty. It proposes a specific monthly payment and requests that the creditor freeze interest and other charges on the account. The letter also mentions enclosing a financial statement to support the offer.

This letter is an offer from individuals to a non-priority creditor, such as a bank, to propose a reduced monthly payment plan. It explains the reason for financial difficulty, includes a financial statement, and requests the creditor to freeze interest and charges. The aim is to negotiate a manageable repayment schedule.