Holding letter for joint account - ask creditors to hold off by Citizens Advice
The Citizens Advice template holding letter for joint account holders helps consumers request a temporary pause on debt collection and a freeze on interest and charges when they are unable to make payments. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.
Holding letter for joint account - ask creditors to hold off
[joint debtors]
[debtor address line 1]
[debtor address line 2]
[phone number]
[email]
[creditor name]
[creditor address line 1]
[creditor address line 2]
[letter date]
Your reference: [reference number]
To whom it may concern,
Account names: [account holder names]
Account number: [account number]
We are sorry that we are unable to keep up our monthly payments to your company. This is because:
We're sick and unable to work. We have claimed benefits and are waiting to hear the outcome of our claims. Our situation is unlikely to improve for at least 3 months.
We are writing to all our creditors asking for details of the balance outstanding on our accounts. Once we have this information we will be able to work out how much we can afford to pay to each creditor. As it may take a little time for all our creditors to reply, it would be helpful if you could hold action on our account for [holding period] and agree to freeze interest and other charges to stop our debt increasing. If you are unable to agree to this, please explain your reasons.
Thank you for your help and we look forward to hearing from you.
Yours faithfully,
[joint debtors]
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