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!
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
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.
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.
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.
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.
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.
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.