Free Debt Finance Templates

This letter allows a debtor to propose a monthly repayment plan to a non-priority creditor when they cannot meet their existing financial obligations. It includes a request to freeze interest and charges and provides a space to enclose a financial statement to prove the offer is fair and proportionate.

This formal notice is for individuals who wish to withdraw from a finance agreement before it has been fully executed. It cites rights under the **Consumer Credit Act 1974** to ensure the termination of the account and a full refund of any monies paid.

This formal letter provides notice to a lender to terminate a joint hire purchase or conditional sale agreement. It cites specific rights under the Consumer Credit Act and requests instructions for returning the goods.

This letter informs a creditor that a debtor is currently unable to make monthly payments due to financial hardship. It includes a request to freeze interest and other charges while the debtor awaits the outcome of benefit claims or a change in circumstances.

This letter allows joint debtors to request that a creditor formally write off an outstanding debt due to severe financial hardship. It includes a standard explanation for long-term illness and requires an enclosed financial statement to prove that income and expenses leave no room for repayment.

This letter template helps UK consumers request a lower weekly debt repayment rate from their energy supplier. It allows individuals to cite **Ofgem** regulations and describe personal financial or family circumstances that affect their ability to pay.

This letter assists individuals in requesting that a creditor write off an outstanding debt due to severe financial hardship. It includes placeholders for explaining specific personal circumstances, such as long-term illness, and refers to an enclosed financial statement as evidence of inability to pay.

This letter allows a consumer to terminate a hire purchase or conditional sale agreement. It cites statutory rights under the **Consumer Credit Act** to end the agreement and requests instructions for returning the goods.

This formal letter is for joint debtors to notify a creditor that they have no disposable income to make payments. It provides a structured way to request an interest freeze and an account hold while a financial statement is reviewed.

This formal letter demands a refund of a loan brokerage or arrangement fee when the loan was not secured. It relies on specific statutory protections in the UK to limit the broker's retained administrative costs to £5.