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Sample Letter

Tell a bailiff you are vulnerable (sole name)

​​Use this letter to tell a bailiff that you are vulnerable and ask them to return the debt to your creditor. You can find information about how to use this letter in our fact sheet Bailiff complaints.

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.

  • Fill in your contact details, account number and any extra information you want to include in the grey shaded areas.
  • Today’s date will be added automatically.
  • Sign each letter and enclose a copy of your budget if needed.

Letter in joint names

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.

Change to joint version
You need to include the organisation name.
Name of the organisation you are writing toInclude the name of the person or creditor you are writing to.
You need to include their address.
Their address line 1Make sure you include the full address for the person or organisation. Don't forget the post code.
Their address line 2
Their address line 3
You need to include their postcode.
Their postcodeDon't forget their postcode.
You need to include your address.
Your address line 1Make sure you include your full address.
Your address line 2
Your address line 3
You need to include your postcode.
Your postcodeDon't forget your postcode.

14th March 2025

Date
Dear Sir/Madam
Account No:
This field is required.
Your account or reference numberYou will find your account or reference number on any paperwork from your creditor.
You have contacted me regarding the account with the above reference number, which you claim is owed by me to
This field is required.
Enter the name of the creditor here.
because of
This field is required.
Debt type|enter what sort of debt you owe here
.
You have stated that you will be
This field is required.
Put what the bailiffs have said they will do|For example, making a first visit or returning to your home.
to try to take control of my goods unless I pay the full amount of £
This field is required.
Enter how much you owe here
straight away.
I believe that I am in a ‘vulnerable situation’ according to the 'Taking Control of Goods: National Standards' and the Enforcement Conduct Board’s ‘Standards for Agents’.
This field is required.
Include a paragraph outlining any special circumstances you have that you want the bailiff company to take into account that make you or your family vulnerable, for example illness, disability, age or bereavement. Include evidence of your medical condition if possible, or supporting evidence from a doctor, social worker, mental health worker or other professional. Also include information about why your financial situation is unlikely to improve.Include a paragraph outlining any special circumstances you have that you want the bailiff company to take into account that make you or your family vulnerable, for example illness, disability, age or bereavement. Include evidence of your medical condition if possible, or supporting evidence from a doctor, social worker, mental health worker or other professional. Also include information about why your financial situation is unlikely to improve
I ask you not to make a visit because this would cause me distress and anxiety. Instead, please ask
This field is required.
Enter the name of your creditor here
to take the debt back and accept payments of £
This field is required.
Enter your payment offer here
.
Please confirm in writing that you have agreed to my request and state what action you have taken.
I am sending a copy of this letter to
This field is required.
Enter the name of your creditor here
.
I look forward to hearing from you.
Yours faithfully
You need to include your name(s).
Include your full name