Link for letter to creditor please?

BallerinaGirl

Hello all,

I have just seeked some much needed help from CCCS with my debts and they have told me I am £141.00 over my priority bill debts and I need to take immediate action by contacting the loan companies etc and arranging a smaller payment.

Does anyone have a letter or a link to a letter that I could use to send to them please?

Thanks in advance.

fermi

Do you mean that you have £141 to share between your non-priority creditors?

If so, then you can generate 'pro rata' offer letters with this:

http://www.nationaldebtline.co.uk/england_wales/forms/pro_rata_offer.php

Or the template is just:

Ask your Creditors to accept pro rata offers of payment on your debts

Your address

Date:

To:



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 our outgoings. As you can see we have only £141 per month left for our creditors.

The offers we have made to our creditors have worked out on a pro-rata basis, and we have written to all our creditors asking them to accept reduced payments.

In view of our circumstances, please would you agree to accept a reduced offer of [Insert offer amount here] per month.

If interest or other charges are being added to the account we would be grateful if you would freeze these so that all payments made will reduce what I owe you.

Should our circumstances improve we will contact you again.

We would be grateful if you would send a paying-in book to make it easier to pay you.

Thank you for your assistance. We look forward to hearing from you as soon as possible.

Yours faithfully



Mr A N Other

BallerinaGirl

Thats perfect thank you, yes the £141.00 I have left is what I have to pay my creditors but I currently pay well over £400.00 an often find myself going without the basics such as food, petrol etc.....

Thanks again, I will be on doing these over the weekend.