Offer to non-priority creditor - letter by Citizens Advice
The Citizens Advice template letter to offer a reduced payment plan to a non-priority creditor helps individuals in financial hardship propose affordable payments 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 - letter
[debtor name]
[debtor street address]
[debtor locality]
[debtor phone]
[debtor email]
[creditor name]
[creditor street address]
[creditor locality]
[letter date]
Your reference: [reference]
To whom it may concern,
Account name: [account name]
Account number: [account number]
I am sorry that I am unable to keep up my 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.
I enclose a copy of my financial statement. This shows income and expenses for me and the offers I can make to my creditors. The offers have been worked out based on what I owe so that each creditor gets a fair share of the money.
The amount I can pay you is [monthly payment amount] a month. I will be able to make my first payment on [first payment date]. Please send a direct debit form.
Please agree to freeze interest and other charges on my account as long as I keep to the payments. I will let you know about any changes in my circumstances.
If you are unable to accept my offer and freeze interest and charges, please explain why. Thank you for your help and I look forward to hearing from you.
Yours faithfully,
[debtor name]
Enc: Financial statement copy
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