Offer to non-priority creditor - joint letter by Citizens Advice

This document is a joint letter from individuals to a non-priority creditor, such as a bank, explaining their inability to maintain original monthly payments due to illness and financial hardship. It proposes a reduced monthly payment plan and requests a freeze on interest and charges, enclosing a financial statement to support their offer.

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Offer to non-priority creditor - joint letter by Citizens Advice

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.