Offer to non-priority creditor - letter by Citizens Advice
This document is a letter from an individual to a non-priority creditor, such as a bank, explaining their inability to maintain current monthly payments due to illness and unemployment. It proposes a revised payment plan based on a financial statement and requests the creditor to freeze interest and charges.
Offer to non-priority creditor - letter
Sam Hoolin
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
Account number: 12345678
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 £50 a month. I will be able to make my first payment on 25 February 2023. 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,
Sam Hoolin
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