Holding letter for joint account - ask creditors to hold off by Citizens Advice

Updated 17 October 2025

This document is a holding letter for individuals with a joint account who are experiencing financial difficulties. It is addressed to a creditor, requesting a temporary hold on account action and a freeze on interest and charges due to an inability to make monthly payments. The letter explains the reason for the hardship and seeks cooperation while the individuals gather information from all creditors.

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