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Letter Template needed.

Hello
I am in a bit of bother and need a letter template to a) Welcome and b) littlewoods and c) o2 to tell them of my bad money situation and ask them to reduce my payments, what realistically can I request. I have put details of what is owed below.

Welcome: 2500 - behind at 500 regular = 160 per month
Littlewoods: 700 - behind at 400 regular = 80/90 per month
o2 - defaulted asking for full 450

Any help would be appreciated.
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