Offer to non-priority creditor - joint letter by Citizens Advice
Updated 3 November 2025
The Citizens Advice 'Offer to non-priority creditor' joint letter helps joint account holders in financial hardship propose a reduced payment plan to their creditor and request a freeze on interest and charges. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.
Offer to non-priority creditor - joint letter
[debtors name]
[debtors address line 1]
[debtors address line 2]
[debtors phone]
[debtors email]
[creditor name]
[creditor address line 1]
[creditor address line 2]
[letter date]
Your reference: [creditor reference]
To whom it may concern,
Account name: [account name]
Account number: [account number]
We are sorry that we are unable to keep up our monthly payments to your company.
I am sick and unable to work. I have claimed benefits and am waiting to hear the outcome of my claim. My situation is unlikely to improve for at least 3 months.
We enclose a copy of our financial statement. This shows income and expenses for us and our household and the offers we can make to our creditors. The offers have been worked out based on what we owe so that each creditor gets a fair share of the money.
The amount we can pay you is [monthly payment amount] a month. We will be able to make our first payment on [first payment date]. Please send a direct debit form.
Please agree to freeze interest and other charges on our account as long as we keep to the payments. We will let you know about any changes in our circumstances.
If you are unable to accept our offer and freeze interest and charges, please explain why. Thank you for your help and we look forward to hearing from you.
Yours faithfully,
[debtors name]
Enc: Financial statement copy
About this template
What is this template?
Offer to non-priority creditor - joint letter by Citizens Advice is a free, ready-to-use Banking and finance template you can open, customize, and download on GitLaw. It gives you a professionally structured starting point, so you never have to draft from a blank page. The wording is plain and modern, organized into clear sections that are easy to read, edit, and adapt to your own situation before you share or sign it.
When should you use it?
Reach for this Banking and finance template whenever you need a reliable agreement quickly and want to be sure the essentials are covered. It suits individuals, freelancers, startups, and established businesses alike. Instead of paying for a document drafted from scratch, you can start here, tailor the details to your arrangement, and have a polished draft ready in minutes. This version is drafted with England & Wales in mind, though you should always review the final wording against the laws that apply to you.
What's typically included?
A well-drafted Banking and finance usually sets out the parties involved, the scope of the agreement, and each side's rights and responsibilities. Expect sections covering key terms and definitions, how long the agreement lasts, how it can be ended, and what happens if something goes wrong. This template brings those building blocks together in a sensible order, so you can focus on the specifics rather than worrying about what to include. Open it to read the full document, then sign up to edit, negotiate, and e-sign it directly in GitLaw.