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template letters for hardship

hiya all, im goin to try and claim back a friends charges for them as the last their job in may and is 3 onths bhind on his mortgage, loans and the bank keeps charging him £150 plus a month.
i was just wondering if there was any letters i could send them, with the work out of changes and the money he has goin out and in(which is none)
thanks fkelanne
savings for 2012.. New year new me.. Going to save save save... and not spend spend spend. :rotfl:
WANT £7000 BY JAN 2012.
Jan -£80
Feb -
March-

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