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Sample Letter

Tell a bailiff you are in breathing space (sole name)

Use this letter to tell a bailiff that you are in a breathing space moratorium.

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.

26th September 2021

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 typeenter 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 doFor example, making a first visit or returning to your home.
unless I pay the full amount of £
This field is required.
Enter how much you owe here
straightaway.
I ask you not to make a visit or contact me because I have entered a breathing space moratorium through National Debtline). You are required to follow the Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020.
Reg. 11 (1) says that “During a moratorium period neither a creditor nor the creditor’s agent must contact a debtor in relation to the enforcement of a moratorium debt”.
Reg. 12 (4) says that “During a moratorium period, an enforcement agent appointed in relation to a moratorium debt who is notified of a moratorium or is otherwise aware that a moratorium is in place in relation to a debtor must not in relation to any moratorium debt—
(a)give notice to the debtor under paragraph 7 of Schedule 12 to the Tribunals, Courts and Enforcement Act 2007,
(b)visit the debtor’s place of residence or business for the purpose of taking control of goods,
(c)take control of goods,
(d)sell goods belonging to the debtor unless the enforcement agent took p
You need to include your name(s).
Include your full name