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 hardship variation for telecommunication services (MoneyHelp Sample Letter)

Request for a mortgage hardship variation (MoneyHelp Sample Letter)

Request to delay debt enforcement action (MoneyHelp Sample Letter)

Offer to make full and final settlement for outstanding debt (MoneyHelp Sample Letter)

Request for information about consumer credit insurance (MoneyHelp Sample Letter)

Instruction to your lender to cancel a direct debit authorisation from savings or other non credit card account (MoneyHelp Sample Letter)

Instruction to trader to cancel a direct debit authorisation from a credit card account (MoneyHelp Sample Letter)

Request for credit hardship variation (MoneyHelp Sample Letter)

Request for a gas, electricity or water hardship variation (MoneyHelp Sample Letter)

When a creditor has asked you to pay an old debt (MoneyHelp Sample Letter)

Request for written information about your debt (MoneyHelp Sample Letter)