Request to write off a joint debt - letter by Citizens Advice
This document is a formal letter template for individuals requesting a write-off of a joint debt from a bank or creditor. It explains the debtors' inability to make payments due to long-term sickness and lack of assets, and asks the creditor to consider forgiving the debt. It also includes placeholders for account details and contact information.
Request to write off a joint debt - letter
Sam Hoolin and Alex Liu
8 Park Avenue
Arlton AL1 4CA
01632 960001
Giltham City Bank
24 Station Road
Giltham GT16 3LP
12 September 2025
Your reference: AN1/Reminder/674
To whom it may concern,
Account names: 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. This is because:
We're on long term sick and unable to work. We have claimed benefits and are waiting to hear the outcome of our claims. Our situation is unlikely to improve.
We enclose a copy of our financial statement. This shows income and expenses for our household. You will see from this information that we are unable to make any offer of payment.
Unfortunately, our circumstances are unlikely to improve in the foreseeable future and we have no assets to sell to help clear our debt. We are therefore asking you to consider writing off our debt as we 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 we look forward to hearing from you.
Yours faithfully,
Sam Hoolin and Alex Liu
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