Template letters

There are lots of reasons why you might need to write to your creditors. Here’s a list of our most used template letters and why you might need to use them. Are we missing a form or template letter that you need? Let us know in the comments below so we can improve this page!

Cancel a continuous payment authority

When you give your credit or debit card details to a company and authorise them to take regular payments it’s known as a ‘recurring transaction’ or ‘continuous payment authority’ (CPA). Read our advice on cancelling a continuous payment authority on a payday loan

First right of appropriation template letter

If you have debts with your bank we always advise you to open a new basic account with an unconnected bank. This is vital as the bank can take your money without your permission and without warning. You can exercise the ‘First Right of Appropriation’ to help stop this from happening.

Right to information request

Sometimes you might need access to information that creditors hold about you. It could be that you’d like a detailed account of payments you’ve made or a transcript of a phone call for example. If you don’t get a response, you can chase them up using this right for information reminder letter.

Letter of authority

We get a lot of clients that would prefer us to speak to someone else on their behalf. It could be because of a language barrier for example or you might not feel comfortable speaking to us about your debt situation. Whatever the reason, we can speak to anyone that you choose provided that we have permission.

Application for redetermination

What happens if the court has set a county court judgment (CCJ) payment at a rate that you can’t afford? You can use this template letter to apply to the courts to change the payment. Here’s some more detailed information on what you should do if you can no longer afford your CCJ repayments.

Reducing creditor calls

We hear from a lot of clients that get harassed by creditor calls at all times of the day (and sometimes night). Use our handy checklist to find out what you should do to help stop them and send this letter if they continue to call.

Limitations Act: Statute barred letter (PDF)

Statute barred debt refers to a debt that’s not enforceable because the time a creditor has to chase payment has passed. If you’re contacted by a creditor regarding a debt you believe is statute barred, send them the template letter we’ve linked to above. This letter is for use in England, Wales and Northern Ireland only. Find our more about statute barred debts by reading our blogpost.

  • Valerie D.

    I spoke with Liz in the 8-8.30am slot this morning, and she was most helpful in working through with me a new budget for my daughter, Charlotte D., ref (EDITED).

    However, I feel the next steps were rather rushed, and what I understood Liz to say was to go to the website and download the template letters, and send letters with the budget we have devised.

    Apologies if I can’t see something that is staring me in the face, but I am on the Template Letters, here, and don’t see what I need.

    Please send me the idiot guide to which web page I need to access on this site.
    Previously, I was talked through, as in the idiot’s guide, to finding other information, and that was fine.

    To summarise: I need the template letters for contacting creditors to offer token payments of £1 per month.

    Many thanks in anticipation of you saving me a good few minutes time, and oodles of
    frustration beyond what I am experiencing now.

    Valerie D.
    (verbal authority given to speak on behalf of Charlotte, whilst awaiting LoA to be received and logged onto your system)

    • Hi Valerie,

      Thanks for posting.

      I’m sorry about your frustrating time on this page. I know that there’s an awful lot of information to take in during a debt advice session and it’s not always easy to follow what to do next.

      The template letter that you’ll need will be sent to you by the debt advisor after your appointment (either by email or through the post), so you don’t need to get it from this page of the blog. The template letter will be included within the advice booklet along with straightforward instructions on how to send them off to your daughter’s creditors along with a printout of the income and expenditure budget which will also be included.

      If the advisor directed you to this part of the blog it might have been for some other sort of template letter. Perhaps on cancelling payday loan payments or anything to do with debts going through the court?

      I hope this clears things up a little but feel free to post again if there’s anything else you’d like to know.

      Kind regards

      James

  • We have dad a really useful conversation with an advisor at Step Change today and we have been advised that we can find a template letter to send to the banks who are using delaying tactics in order to make us incur more charges and therefore owe them more money. However, I cannot find this letter on the templates page. Could you kindly please advise where I can find this letter so that we can write to them as quickly as possible in order to help us sort this out. Many thanks.

    • Hi Rachel, thanks for getting in touch.

      We don’t have a template letter to that effect but I would recommend you put a complaint about the bank’s behaviour in writing. Tell them that they must start treating you fairly and that you’re keen to deal with this in a way that doesn’t cause you further upset and compounding of your debts. The bank should respond pretty quickly but if the problem persists after 6-8 weeks, you are then within your rights to contact the Financial Ombudsman and escalate your complaint to them.

      Hope this helps,

      Best regards

      Rachel

  • Sandra

    Hi Do you have letters for catalogues etc? I have to look at some things for my sister. She had a breakdown with the amount of debt she had got into and I am trying to help her sort it out. can you help?

    • moneyaware

      Hi there Sandra

      I’m very sorry to hear that your sister suffered a breakdown due to the stress and debt she’s been dealing with. There aren’t letters tailored specifically for catalogues, but they may give her some breathing space if she lets them know she’s talking to us.

      if your sister is in need of debt advice we can help. We’ll have a look at her whole budget and put together an action plan to help deal with these debts. There’s two ways we can do this:

      Your sister can use our anonymous advice tool Debt Remedy that can suggest a debt solution in just 20 minutes: http://www.stepchange.org/Debtremedy.aspx

      or

      She can contact our Helpline on this page and go through a budget with one of our advisors (if your sister is not feeling up to doing this, she can authorise you or someone else that she trusts to speak on her behalf – http://www.stepchange.org/Contactus.aspx

      Please reassure her that we’ll do all we can to help

      Best regards

      Rachel

  • moneyaware

    Hi Ron

    Very pleased you got in touch with us and that we were able to help. We’re here to support you however we can.

    Best regards

    Rachel

  • JayJay

    Amazingly its my bank that have been the main headache. They ring all the time and send letter after letter. I take every call and so continues the merry-go-round that is my advising them I am paying as much as I can afford and that I have a DMP and them asking for a little bit more money and me advising them again I wish I could but I cannot….. so they add further charges and arrears and then the calls begin again, The stress is like nothing I have ever known. I attempted suicide before I heard of StephChange and I know that without them and their help, the way my bank is hounding me and piling on charges, I would be as desperate as I was then.

    • moneyaware

      Hi Jay-Jay,

      I’m sorry to hear how much these phone calls are affecting you. We’ve some tips on avoiding phone calls here: http://www.stepchange.org/Infographics/Debtcollectorphonecalls.aspx#.UJeogcUxrCc.

      It sounds like things might be a little bit better, but if you’re finding that the stress of debt is affecting your health then you might want to consider talking to your GP.

      All the best.

      James

  • moneyaware

    Hi Kerry,

    This is just a copy of the original agreement that you’ll have signed with us to say we can talk to your creditors about your accounts.

    We’ll have sent this out when we first set up your DMP but it might not have been received by this company. If you either give us a call or send us an email we can arrange to send it again.

    Cheers

    James

  • bloodmane shandy

    Can anyone tell me the letter I use from the templates to request a settlement figure from my creditors. Cant find the one I need on the listings I have looked at.

  • moneyaware

    Hi SJ,

    If you were to show your creditors a copy of your budget they could see you cannot afford what they are asking for at the moment. They would then be more likely to give you breathing space to sort your debts out.

    We can provide full debt advice session with tailored budget and recommended solutions.
    Use our Debt Remedy http://www.stepchange.org/debtremedy.aspx?domain=www.MoneyAware.co.uk tool for a personal action plan and letters to forward to your creditors explaining your situation.

  • moneyaware

    Hi SJ,

    It’s good that you’re looking to get things sorted out.

    I’d recommend you give our Debt Remedy tool a go: http://www.stepchange.org/debtremedy.aspx?domain=www.MoneyAware.co.uk.

    It will go through your finances with you and give advice about your options. It takes about 20 minutes and will provide you with a personal action plan that’s tailored to your circumstances.

    That should help you work out what your next steps should be.

    Kind regards

    James

  • moneyaware

    Hi,

    I’m not sure what records HB have registered on your file. When you get your Certificate of Completion you can send a copy to the credit reference agencies, if any records have been registered on your file you can add a Notice of Correction to explain they were added in error.

    You can also complain about your IP if you feel they are delaying sending your certificate: https://www.gov.uk/complain-about-the-insolvency-service

    I hope this helps.

    Thanks,
    Jess

  • Hazel

    Could someone please advise me of a letter template to a magistrates court to call off the bailliffs as the fine was paid a couple of months ago but the bailliffs are still chasing for their fees (I would like to add I am in a flexible hours job on a very low income).

    • Hi there Hazel, thank you for getting in touch.

      Once a warrant (escalation to bailiff action) for a magistrates fine has been issued the court themselves will not usually deal with the fine any further. The bailiff (or enforcement agent, as they’re now officially known) would take it from there. From what you’ve told us here, it sounds like the debt is classed as half-paid because the agent’s fees are still outstanding. Fees are very rarely wavered (usually only in circumstances where a person is considered vulnerable due to issues such as ill health etc).

      It would be a good idea to get a breakdown from the enforcement agent of what has been paid and how much of the outstanding balance is divided between the actual fine and the fees. It’s likely the agent would have allocated any money still owed partly to the fine and partly to the fees, so there may still be some of the fine still owing on the debt.

      We recently wrote a blogpost on some changes to the law regarding bailiffs/enforcement agents that should hopefully clarify things further for you: http://moneyaware.co.uk/2014/03/bailiff-law-changes-2014/

      In the meantime, I feel that from what you’ve told us, you would benefit from some free and confidential advice on your whole situation, not just the fine you’re trying to deal with. Please get in touch with us so we can give you further help and support. Our Helpline is open 8am to 8pm Mon – Fri and Sat 8am – 4pm, and you can reach us for free on 0800 138 1111.

      We also have an anonymous advice tool called Debt Remedy that can help you put together a personal action plan in just 20 minutes: http://www.stepchange.org/debtremedy.aspx?domain=www.MoneyAware.co.uk

      Kind regards

      Rachel

  • pam

    Is there a template to make a full and final offer to pay off some of my debts please

  • Guest

    I’ve been in a DMP with step change for over 6 years and never missed a payment. My circumstances have now drastically changed and my income is now just my small pension. I can’t afford to pay anything anymore. What can I do?

    • moneyaware

      Hello,

      It’s hard to say specifically without knowing more about your personal circumstances.

      If you’re unlikely to be able to clear your debts in a reasonable timescale then a DMP might not be a great option anymore.

      If you’ve got valuable assets you could sell them to clear debts. If you don’t have any valuable assets then you could consider some type of insolvency. It’s important to get good advice before taking any action though.

      I’d suggest giving us a call and asking for a review. An advisor will update your budget and talk you through the available options.

      Kind regards

      James

  • Tom Robinsom

    Do you have a temporary payment arrangement template

    • moneyaware

      Hi Tom,

      We would normally only provide a temporary payment arrangement template letter when we’ve advised that this is the best way to deal with your debts.

      If you’ve already had advice from us, we’d be happy to send this letter to you if you contact us. You can visit our website at http://www.stepchange.org/contactus.aspx for details on how to get in touch with us.

      Rory

  • Natalie

    Has anyone had a debt plan paying debtors monthly, regularly, for some time and then months or years later, made them an offer less than the amount owed? Was it accepted as a one off payment to clear the debt? Can this be done? If so how did you do that?

  • carmen

    My sister
    open an account here in England many years ago, as she did not spoke English
    she ask me to help her to do it, which I did, my sister then nominated me
    as a sole person to deal with her accounts. She left England to USA. Las year
    in October she tried to transfer her money to a bank at USA but the bank here
    decided to blocked her account instead, then she call me to do it for her, I
    went to the bank (as I have Authority in her Accounts) and tried to the transfer
    from here, with my horror I liar that the bank to away my authority without notify
    either her or me or both. The bank told me that I need a letter from her given
    authority over her account, my sister sent me a letter of authorization and the
    bank refused to accept it. The bank request is that my sister come here to
    close her account, the problem is that the amount that she has in her account
    is the value of her air fare (that is what I told them) but they insisted that
    they cannot do anything about. Could you please help me in this matter as I do
    not know how to help her.

    Many thanks Carmen

  • carmen

    I am
    sorry for my mistake done in the previous information, therefore I am sending
    this one. Thanks for your understanding.

    My sister
    open an account here in England many years ago, as she did not spoke English
    she ask me to help her to do it, which I did, my sister then nominated me
    as a sole person to deal with her accounts. She left England to USA. Las year
    in October she tried to transfer her money to a bank at USA but the bank here
    decided to blocked her account instead, then she call me to do it for her, I
    went to the bank (as I have Authority in her Accounts) and tried to make the transfer
    from here, with my horror I learn that the bank took away my authority without notify
    either her or me or both. The bank told me that I need a letter from her given
    authority over her account, my sister sent me a letter of authorization and the
    bank refused to accept it. The bank request is that my sister come here to
    close her account, the problem is that the amount that she has in her account
    is the value of her air fare (that is what I told them) but they insisted that
    they cannot do anything about. Could you please help me in this matter as I do
    not know how to help her?

    • moneyaware

      Hi Carmen,

      Thank you for your message.

      As a debt charity our expertise is in helping people deal with their debts. Due to this we wouldn’t be able to offer specific advice about this situation.

      If you’re unhappy with the service you’ve received from the bank, it might be worth sending them a complaint in writing. As your sister is the account holder, she might need to do this.

      You can find out more information about complaining about your bank on the Citizen’s Advice website:

      https://www.citizensadvice.org.uk/debt-and-money/banking/complaints-about-banks-and-building-societies/

      If the complaint isn’t dealt with within 8 weeks, you can escalate it to the Financial Ombudsman for further assistance:

      http://www.financial-ombudsman.org.uk/

      I hope this helps,

      Jen

  • Tan

    could somebody help me with a template letter to complain about delays to my completion certificate from my IVA and the constant excuses from dfd thankyou

    • moneyaware

      Hi Tan,

      We’d recommend contacting the company who dealt with your IVA and ask them to look into this for you. If you’re still unhappy after you’ve made a complaint, you could speak to the Insolvency Service directly with your issue. You can find out more information at https://www.gov.uk/complain-about-insolvency-practitioner

      I hope this is helpful for you, and good luck getting things sorted.

      Rory

  • Theresa Mason

    Hi
    I’ve just cheked my credit report for the first time in years and have found a CCJ was entered against me in Jan 2012, for an address I haven’t lived at for over 12 years. I certainly gave all my details to my creditors, and after a messy divorce have paid them all. I have found out who it is for and which debt company applied for it and I am in the process of sending a SAR to Citifinancial, but what should I do for the debt company (Cabot). The amount if £4,092. if it is from a joint debt I have no problem paying it but I’m miffed it’s been issued 8 years after I moved!
    Is there anyway this can be set aside because I didn’t receive the paperwork? It is only with Call Credit and Experian and Equifax do not have any details of this on my credit file.
    I did a CCJ check as well and paid £4 for a record and nothing came up there either.

    Any Help would be appreciated!

    • moneyaware

      Hi Theresa,

      If you informed this creditor of your new address and they sent CCJ paperwork to your previous adderss then it’s possible that this could be grounds to have the CCJ set aside.

      There is a possibility that the creditor could start the CCJ process off again if the old CCJ is removed though, which would mean a more recent CCJ on your credit history.

      There’s more information here: http://www.trustonline.org.uk/understand-judgments-fines/ccjs-and-county-courts/set-aside-a-judgment.

      Kind regards

      James

  • Rebekah Kendrick

    Creative piece . Apropos , if someone is searching for a a form , my company came across a fillable version here http://goo.gl/ndDJmh

  • CD MCRUK

    Hi,
    I’ve been looking at my debt situation and thinking of bankruptcy as my only route as I owe approx. 14k to different creditors which has been on going since 2001. I have recently been thinking about bankruptcy however when I looked at my credit report its not good but all I can find is around 5.5k the rest are not on my credit reports and I have not heard from these creditors or from anybody acting on there behalf for at least 6 years. Can you tell me where does this leave me? If I pay off the 5.5 will that clear my record? can my old creditors pop up and reattach the debts to my credit history? would I be liable to pay them?

    • moneyaware

      Hi there, thanks for posting.

      If you’ve had no correspondence from your creditors for at least six years, and there have been no payments made towards these debts in that time, they may fall under what’s known as the Limitations Act. Once the six year timeframe has passed on a debt, it can be considered no longer enforceable under this act.

      Sometimes there’s a misconception that the Limitations Act can write debt off, but this isn’t the case. All the Limitations Act does is prevent a creditor taking a debt to County court after the six year timeframe. The debt does still exist and may still show up on your credit file. Also, if a County court judgment (CCJ) has been granted, the Limitations Act wouldn’t apply and you would need to consider payment options for the CCJ.

      If you believe that these debts are stature barred under the Limitations Act, and they haven’t as of yet had a CCJ granted, you can prevent further correspondence from the creditor by sending them a statute barred letter. You can find out more about how to go about doing this on out statute barred letter blogpost: http://moneyaware.co.uk/2013/10/statute-barred-debt/

      We can take a look at your budget and see if bankruptcy would be a recommended solution for you. Our advice is free and confidential, and we will consider all debt solutions and make a recommendation based on your individual circumstances. If you’d like to look into your options, you can call our free Helpline: http://www.stepchange.org/Contactus.aspx

      Alternatively, you can use our online anonymous advice tool Debt Remedy: http://www.stepchange.org/Debtremedy.aspx

      I hope this helps

      Kind regards

      Rachel