Sample letters

MoneyHelp has prepared a number of sample letters to assist when you approach your creditor, lender, utility company or debt collector to request consideration for financial hardship or a change to your current payment arrangements.

The letters provide you with a template that takes account of the information that you need to include to inform your creditor, lender or debt collector of your situation, and your intention to pay the debt.

You will need to insert your personal details and individual circumstances into the letters and delete any material that is not relevant. You should complete all instances of square brackets with relevant personal information.

Remember to keep a copy of all letters and other materials you send, and a record of all phone conversations in relation to the management of your bills and debts.

MoneyHelp letters are:

 Request for a credit hardship variation (MoneyHelp Letter 1)(Word 31kb)

Request for a mortgage hardship variation (MoneyHelp Letter 2)(Word 31)

Request for a gas, electricity or water hardship variation (MoneyHelp Letter 3)(Word 30kb)

Request for hardship variation for telecommunication services (MoneyHelp Letter 4)(Word 29kb)

Request for written information about your loan (MoneyHelp Letter 5)(Word 41kb)

When a creditor has asked you to pay an old debt (MoneyHelp Letter 6)(Word 29kb)

Request to delay debt enforcement action (MoneyHelp Letter 7)(Word 28kb)

Offer to make full and final debt settlement (MoneyHelp Letter 8)(Word 30kb)

Request for information about consumer credit insurance (MoneyHelp Letter 9)(Word 28kb)

Instruction to cancel a direct debit authorisation from savings or cheque account (MoneyHelp Letter 10)

Instruction to trader to cancel a direct debit authorisation from credit account (MoneyHelp Letter 10B)

Request for a copy of your credit report (MoneyHelp Letter 11)(Word 29kb)

Instruction to cancel a credit card debit authorisation (MoneyHelp Letter 12)(Word 27kb)

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