Negotiating with your creditors
- Hold action on your account
- Pro-rata offers
- Terminate a hire-purchase agreement
- Token payment or no offer of payment
- Reconsider freezing interest and charges
- Reconsider my pro-rata offer
- Reconsider my token offer
- Continue accepting my offer
- Write off the debt
- Write off the debt second request
- Write off after death
- Full and final settlement offer
- Disputing liability for a debt
- Request a copy of a personal guarantee from a bank or debt collection agency for a disputed debt
Dealing with energy suppliers
- Ask your commercial energy supplier to accept affordable payments
- Ask your domestic energy supplier to accept affordable payments
- Re-negotiate with your commercial energy supplier if your current repayment arrangement is unaffordable
- Re-negotiate with your domestic energy supplier if your current repayment arrangement is unaffordable
Dealing with mortgage shortfall debt
Other useful letters
- Cancel your existing debt management plan
- Ceasing to trade
- Considering strike off
- Debt still outstanding after reminders
- Request for a trade reference
- Request for a stay of execution in the High Court
- Hold action while you apply for a debt relief order
- Request to remit business rates
- Creditors asking for payment after debt relief order approved
- Ask all your creditors to hold action whilst you move your debt management plan
- DWP overpayment suspend or reduce repayment request