Request to write off a debt - letter by Citizens Advice
Updated 17 October 2025
This document is a template for a letter from an individual to a bank, requesting that a debt be written off. The sender explains their inability to make monthly payments due to long-term sickness and lack of assets, providing a financial statement to support their request. It asks the bank to consider writing off the debt, as the sender sees no way of ever repaying it.
Request to write off a debt - 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. This is because:
I am on long term 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.
I enclose a copy of my financial statement. This shows my income and expenses. You will see from this information that I am unable to make any offer of payment.
Unfortunately, my circumstances are unlikely to improve in the foreseeable future and I have no assets to sell to help clear my debt. I am therefore asking you to consider writing off my debt as I can see no way of ever repaying it.
If you are unable to agree to this, please explain your reasons.
Thank you for your help and I look forward to hearing from you.
Yours faithfully,
Sam Hoolin
About this template
What is this template?
Request to write off a debt - letter by Citizens Advice is a free, ready-to-use Restructuring and insolvency 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 Restructuring and insolvency 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. Always review the final wording against the laws that apply where you live or do business.
What's typically included?
A well-drafted Restructuring and insolvency 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.