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 mortgage hardship variation (MoneyHelp Sample Letter)