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.
Offer to non-priority creditor - joint letter
Sam Hoolin and Alex Liu
8 Park Avenue
Arlton AL1 4CA
01632 960001
[email protected]
Giltham City Bank
24 Station Road
Giltham GT16 3LP
12 September 2025
Your reference: LL/ANO/Reminder1
To whom it may concern,
Account name: Sam K Hoolin and Alex P Liu
Account number: 12345678
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 £50 a month. We will be able to make our first payment on 25 February 2023. 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,
Sam Hoolin and Alex Liu
5.0 out of 5 on Google
Read reviewsAs seen in
Frequently asked questions
A template isn't binding on its own - like any contract, it becomes binding once it's properly completed and signed. Templates in our curated library are professionally drafted for US or UK law; review any template before you sign it.
Yes. Chat with GitLaw to edit any section, or make changes directly in the editor.
Yes, read about team plans here.
Describe what you need in the chat and GitLaw will draft it for you.
Templates in our curated library are professionally drafted for US or UK law. The wider library comes from the GitLaw community and public sources - a solid starting point, but check any template fits your situation before you rely on it.
Mostly US and UK law. Some templates use general commercial terms that work across jurisdictions, and many note which law they're written for.
It depends on the situation. Templates work well for routine business agreements. For anything involving significant money, complex IP, employment, or areas you're unsure about, it's worth getting professional advice before you sign. GitLaw provides templates and tools, not legal advice.
Open any template in GitLaw and describe the change you want in the chat — 'make clause 4 mutual' or 'add a 30-day notice period', for example. GitLaw drafts the revised language and shows it as a suggested edit. You accept, reject, or keep editing from there.
Yes. Upload a Word, PDF, or Markdown file and GitLaw will open it in the editor. You can review, edit, or chat with GitLaw about it the same way you would with any template from the library.
Trusted by 5,000+ businesses
From template to signed, in one place
Every template opens in an editor with an AI agent alongside it.
Open
Pick a template and open it. Nothing to download, and no credit card to start.
Free to open
Edit with AI
Describe your situation in chat and the agent adapts the wording, clause by clause.
Tracked changes you can review
Send and sign
Share it for negotiation, then collect signatures without leaving GitLaw.
eSign included
Built for your legal work,
with practicing lawyers
Trained on 5,500+ clauses and specialist areas of law. Built with a standards committee of independent lawyers.
As seen in
Ready to get started?
No sales calls, no credit card. Just chat with GitLaw.
GitLaw provides templates and tools, not legal advice. Templates are a starting point, not a substitute for advice on your situation - for anything significant, speak to a qualified lawyer.