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Sample letters
Pinkylouloubell
Posts: 161 Forumite
Can someone please tell me where I can find template letters to write to Credit card and loan companies telling them I cannot afford to pay them and send them token payments
thakns
thakns
[STRIKE]September 2009 - £11000 owed, its gonna be hard going[/STRIKE]!:T
[STRIKE]Halifax - £500[/STRIKE] :T
[STRIKE]Halifax - £2500[/STRIKE] :T
Halifax - [STRIKE]£8000[/STRIKE]. £4000 as of March 2014
[STRIKE]Halifax - £500[/STRIKE] :T
[STRIKE]Halifax - £2500[/STRIKE] :T
Halifax - [STRIKE]£8000[/STRIKE]. £4000 as of March 2014
0
Comments
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Lots here: http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6
Use the drop down list.
For example the one that may be suitable for you is:
Sample letters | Ask your creditors to accept a token payment or no payments on your debtsFree/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG
Dear Sir/Madam
Re Account No/Reference No:- 4563210025897412
Since making that above agreement with you, our circumstances have changed.
We cannot now afford to agreed monthly payments because ... [your paragraph added here]
We enclose a Personal Budget sheet which shows our total income from all sources, and the total outgoings of our household. As you can see we have no money left to make offers of payment to my creditors.
In view of our circumstances, would you please accept no payment at present to be reviewed in six months. If interest or other charges are being added to the account, we would be grateful if you would freeze these so our
debt does not increase.
Should my circumstances improve we will contact you again.
Thank you for your assistance. We look forward to hearing from you as soon as possible.
Yours faithfully
Mr A N Other
Taken from the dropdown box at bottom of national debtline page (sample letters)
http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91
Dad Gift 6k ¦ Savings & Inv Tst: £2,500
Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0
Total Owed: £2,270 (+6k) 11/08/20110
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