Standard Letters
These standard letters can be used if you wish to deal with your debts independently of or in conjuction with the North East Derbyshire CAB Debt Management Plan (eg. use of creditor checklists and debt calculator).
Debt Management Plan Standard Letters
- Holding Letter
- Pro-Rata Offer Letter
- Token Offer Letter
- Write Off Letter
- Review Letter
- Request to reconsider offer of payment
- Continuation of agreed payments
- Mortgage / Secured Loan Arrears (Offer to Lender)
- Rent Arrears (Offer to Landlord)
- Offer for Council Tax arrears to Local Authority / Bailiffs
Miscellaneous Standard Letters
National Debtline Sample Letters
- When a creditor refuses your offer of payment
- When a creditor refuses to freeze interest on your account
- When a creditor has turned down an offer of payment, interest is still being added, and you want the creditor to take you to court
- When creditors have turned down an offer of payment and are threatening legal action but you don't want to be taken to court
- When a creditor asks you to agree a voluntary charge against your home
- Request for a Stay of Execution in the High Court
- Full & Final settlement letter for any debt
- Ask your creditors to reconsider if they refuse to write off the debt
- Dispute your liability for a debt where a creditor has not contacted you for over six years and you have not made a payment or written acknowledging that you owe this debt during that period
- Use this letter if you want a copy of your credit agreement and/or a statement of the account and the creditor has so far refused to send you a copy free of charge.
- Mortgage Shortfalls: Breakdown of balance owed
- Mortgage Shortfalls: Please write off the debt
- Mortgage Shortfalls: Full & Final Settlement Letter
- Mortgage Shortfalls: Lender should not pursue under CML policy
- How to deal with Hire Purchase Debt: You end the agreement
- When you need to ask your bank to pay particular bills out of your account from money you have paid in. This is known as exercising your 'Right of first appropriation'
- For complaints to debt collection agencies who are pursuing you when you do not owe the debt
- Send this letter to your lender if you have a complaint before contacting the Financial Ombudsman Service
- If you want a copy of your credit agreement and/or a statement of the account and the creditor has so far refused to send you a copy free of charge