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Sample Letter

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

Use this letter to tell a creditor 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.

2nd April 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.
Thank you for your
This field is required.
Letter/telephone call
of
This field is required.
DateEnter the date of the letter/telephone call.
about the above account.
I ask you not to contact me further 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, including to demand payment or as a precursor to starting any legal proceedings against the debtor in connection with the moratorium debt”.
Reg.7 says that a creditor must not:
(a) take a step to collect a moratorium debt from a debtor; or
(l) contact a debtor for the purpose of enforcement of a moratorium debt.
Please stop all collection activity on this account until my breathing space moratorium is complete. Please also confirm in writing that you have agreed to my request.
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