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Hi The-Joker
It is possible to ask creditors to write off debts. Things that could be pointed out are if the person is elderly, in ill health, has no assets, has little spare money for the debt and if their circumstances are unlikely to improve. If there are medical issues it's best to try and get some evidence to support this. There's nothing to lose by asking.
If a write off is not successful then a DRO could be considered. You can't have a joint DRO so they would both need to make an application, but it can done at the same time. It would be important that they were able to understand the DRO and it's implications. If they don't get face to face advice the application process will be via telephone conversations and forms through the post.
You can get further advice on this from one of the free debt advice charities. I hope it all goes well.
Susie
@natdebtline
Originally posted by National Debtline
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something like this....
https://www.citizensadvice.org.uk/debt-and-money/sample-letters-to-creditors/Request-to-write-off-a-debt---letter/
66 Heron Street
Willowshire
WL4 8HH
Liable Loans plc
123 Green Lane
Redshire
RE1 1ER
6 March 2018
Your reference: LL/ANO/Reminder1
Dear Sir/Madam
Account name: A.N. Other
Account number: 12345678
I am sorry that I am unable to keep up my monthly payments to your company. This is because I am very sick and unable to work. I have claimed benefits and am waiting to hear the outcome of my claim. My situation is unlikely to improve for at least 3 months.
I enclose a copy of my financial statement. This shows income and expenses for me. You will see from this information that I am unable to make any offer of payment.
Unfortunately, my circumstances are unlikely to improve in the foreseeable future and I have no assets to sell to help clear my debt. I am therefore asking you to consider writing off my debt as I 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 I look forward to hearing from you.
Yours faithfully,
Ann Other