Introduction If you are behind on your utility bill repayments, you could benefit from our letter template to renegotiate your current energy debt repayment plan to make it more affordable. Gas and electricity prices have risen over the last years, making it difficult for households to keep up. If you are struggling to meet your

Introduction MoneyNerd has made free letter templates ready to download so you can inform your creditor that you are switching DMP provider and there could be a delay in your repayments. Our letter positions this change as a positive thing for them by stating that the new DMP provider will be offering the service at

Introduction If you need to request a stay of execution in the high court, you can use our free letter template to make that request. Our downloadable letter templates are 100% free and are proven to help. MoneyNerd has created two versions of the stay of execution request letter for individuals and for people with

Introduction If you have applied for a Debt Relief Order (DRO), you can use this letter template to ask creditors to hold action while you apply and get a decision. Our letter template is free to download, and we have two versions for individual debtors or people with joint debts.  Using a DRO should be

Introduction Download this free letter template to use if creditors and debt collection agencies are chasing you for payments after your Debt Relief Order has been approved. Your creditors should not be asking for payments if the debt they are chasing was included in the DRO. Make them stop with this free letter template –

Introduction Do you want to cancel your Debt Management Plan (DMP)? Our letter template is proving an excellent way to let your creditor or debt management company know that you want to cancel your DMP. Download our free letter template and add your account details to make it personal to you. It couldn’t be easier

Introduction If you are in arrears with your gas or electricity supplier, our pre-written letter is an effective way to ask your energy supplier to accept affordable repayments. All you will need to do is download the template for free and insert some account details to make it relevant to your situation. Adding a budget

Introduction If you asked your creditor to write off a debt and they refused, you should use our write off the debt (second request) letter template to ask them to change their mind.  It is common for creditors to refuse to write off the debt at the first attempt because they are commercially motivated. But

Introduction If you want to ask your creditors to write off your debt, use this free letter template to do it properly. Our letter has been written in a polite and professional way to ensure you get the message across clearly, and improve your chances of creditors wiping your debt. All you need to do

Introduction If someone you know has died with outstanding debts, you can use our free letter template to tell creditors about the death and ask them to write the debt off. It can be a difficult time after the death of a loved one, but we want to make it a little bit easier with

Introduction If you have an agreement to make monthly payments to repay a creditor or company, but your financial situation has changed, use this letter to suspend payments for six months or accept a token £1 payment each month. You may have lost your job or had your hours cut, but it is important to

Introduction Our free letter template is perfect for people who want to terminate their hire purchase agreement with a creditor. If you wish to cancel your hire purchase agreement, download our letter template for free, insert your details and post it off.  You are legally allowed to terminate a hire purchase agreement under the Consumer

Introduction Did your creditor(s) refuse your pro-rata payment offer? Use this letter template to send a request for them to reconsider your pro-rata debt repayment offer. Stressing the need to reduce your payments and the fairness of using a pro-rata offer might make some of your creditors change their mind.  MoneyNerd has created pro-rata debt

Introduction If you made a token offer as a sign of goodwill to a creditor and they rejected it, you can ask them to reconsider their decision with this letter template. We have carefully written a letter to ask creditors to reassess their decision and make them aware that they are not likely to recover

Introduction If you have multiple debts and can no longer afford to make your monthly repayments to each creditor, you could ask your creditors to accept pro-rata offers. We’ve made asking creditors to accept pro-rata offers easy with our free letter template. Simply download the single or joint letter template depending on if you have

Introduction Use this free MoneyNerd letter template to ask a creditor to hold action on your account during the COVID-19 pandemic.  Creditors typically agree to hold action on an account by not enforcing payments or adding interest when someone is first told they have a debt. This is so they can seek debt advice and

Introduction If you recently received a debt repayment request, you can ask your creditor to hold action on your account for 30 days while you seek debt advice and work out how you will get out of the debt.  Our free letter template is a readymade way to inform your creditor what is going on,

Introduction Our free full and final settlement letter template is a fantastic resource if you need help negotiating a settlement offer. A full and final settlement can be a cheaper way to escape your debts quickly, saving you hundreds and sometimes thousands of pounds.  Download our full and final settlement for single or joint debts,

Introduction Use our free letter templates to ask creditors to freeze interest on your account. You can use this letter if you have already asked your creditors to remove interest from debt repayments, but they have yet to agree. Our professionally written letter could make your creditors change their mind and make getting out of

Introduction If you are making debt repayments to a creditor and your account is soon to be reviewed, you can ask the creditor to continue accepting your current terms with our free letter template. Some creditors may consider increasing your repayments or unfreezing interest on the account. With our free letter template, you can request

Introduction Remove permission for your bank to allow continuous payments to a creditor with this free letter template. By downloading our free letter template and adding some personal information, you can request that your bank stops recurring payments to a payday loan provider or other company.  We’ve made a letter template for people with individual

Introduction This free letter template can be used to tell your payday loan provider that they no longer have your approval to take regular payments from your debit card. Withdraw a Continuous Payment Authority (CPA) from payday loan providers easily and without stress by sending this letter.  We’ve made a letter template for people with

Introduction MoneyNerd has created a letter template for asking your bank to pay bills from your bank account. This is sometimes required by people who are going through financial difficulty but want their money to be used to pay bills rather than collected by banks to reduce their overdraft allowance.  Our free downloadable letter template

Introduction Our free letter template to dispute liability for a mortgage shortfall is perfect for people who believe time has passed for their lender to recover the money. We draw upon rules and regulator codes to explain why you are no longer liable to pay a mortgage shortfall debt.  We’ve made a letter template for

Introduction Use our free letter template to ask your mortgage lender to write off a mortgage shortfall debt. By including a budget within the letter highlighting that it is unrealistic for you to repay the mortgage shortfall, your lender could be more inclined to write the debt off. Moreover, you can use FCA guidelines to

Introduction If you have been stung by an unforeseen mortgage shortfall debt, you could ask your lender to accept a full and final settlement offer. Our letter template has been composed to easily explain your circumstances and why a settlement offer is good for everyone involved.  All you need to do is download the right

Introduction If your home was repossessed more than six years ago and your mortgage lender has contacted you to discuss a mortgage shortfall debt, use our free letter template to explain why you are not obligated to pay. You can use UK Finance and the Financial Conduct Authority rules to explain to your lender why

Introduction Use our free letter template to ask for a breakdown of the account if you are being pursued for a mortgage shortfall debt by your mortgage lender. Mortgage shortfall debts can be confusing, and so the first step is to seek clarity on the situation with a breakdown of the account and your questions

Introduction If you need to tell a bailiff you are vulnerable, you can use our free letter template to get the message across clearly and professionally. Our free letters can be printed off and sent to your bailiff to inform them of your vulnerable situation. The rules for bailiffs are different when dealing with vulnerable

Introduction If you have made a complaint to a bailiff company working on behalf of your council, but are not happy with their response, you can then send your bailiff complaint to the council with this letter template.  We have created letter templates for singles and couples with council debts – most often due to

Introduction Download this letter template for when you want to make a complaint about a bailiff or bailiff company.  Dealing with bailiffs can be scary but they still have rules to follow. If you believe a bailiff has acted wrongfully and treated you in ways that are against the law, our letter template will make

Introduction There are caps on the fees you can be charged by law enforcement officers, also known as bailiffs. If you think you have been overcharged, you should complain about a bailiff overcharging you in writing first. We make this process simpler and less stressful.  Download our complaint about a bailiff template letter for free

Introduction Has your debt become too old to be collected? You need our free statute barred letter template to make your creditor aware. We have created an effective and free to download statute barred letter template for individuals and joint debt owners.  End debt repayment requests instantly by sending off a statute barred debt letter,

Introduction Our creditor harassment warning letter is the ideal solution for anyone feeling like they are being harassed by their creditors. The law prevents any creditor from harassing their customers with frequent calls, texts or doorstop visits. Make your feelings clear and stop those debt collection calls with this creditor harassment letter template. We’ve made

Introduction Are you being chased by a debt collection agency for a debt that isn’t yours? You need a prove the debt letter template to make the debt collection agency realise the mistake for themselves. Use our free prove the debt template letter to get them off your case and breathe a sigh of relief. 

Introduction If you want to make a complaint to your lender, you will need to send a creditor complaint letter. This can be daunting, cause stress and take time to compose. That’s why MoneyNerd is making it easier with our free downloadable lender complaint letter templates. We have a template for individuals and partnerships, so

Introduction You can ask for the personal information a company holds about you – including personal data that creditors have on your file. If you want to request personal information, also known as a subject data access request, we’ve made it simple with our free downloadable letter template.  Use this letter template to ask creditors

Introduction MoneyNerd has created this free letter template for anyone who wants to ask their creditor for a copy of their credit agreement. You’re perfectly entitled to do so under the Consumer Credit Act, but remember to include a £1 payment within the letter. We have a letter template for single account holders, as well

Introduction Do you want a free letter template to ask creditors about your payments left on a credit agreement? MoneyNerd is providing the answer with our free downloadable letter template to request this information from your creditors. Simply download the single or joint letter template depending on your circumstances and add a few personal details.

Introduction Here we have seven more letter templates for common situations facing people in debt. From asking for an affordable repayment plan with your energy company to requesting a stay of execution from the court, we’ve covered all bases.  Download them for free now! Ask Your Energy Supplier to Accept Affordable Payments Is your energy

Introduction We have 13 free letter templates to save you time and stress when negotiating with your creditor. From asking creditors to continue accepting a repayment plan to requesting they write off your debt altogether, and everything in between, you can find a professional letter template here.  Continue Accepting my Offer If you are currently

Introduction If you want to make payment instructions to your bank, or if you want to withdraw permission for companies to take money using recurring card payments, we have free letters templates you can use. These letters will make giving payment instructions easy! Ask Your Bank to Pay Particular Bills Out of your Account The

Introduction After you have your home repossessed for failing to keep up with mortgage repayments, you might be dealt another blow with a mortgage shortfall debt. In a nutshell, this is when the home is sold by the lender but the selling value doesn’t cover the outstanding amount left on your mortgage.  We have five

Introduction If you need to deal with bailiffs or make a complaint about a bailiff, we have made it easier and less stressful for all debtors. Download one of our four letter templates that matches your situation trying to deal with bailiffs.  We use the law to make your case – and make your letter

Introduction We have four letter templates you can use to complain about a lender easily. Save yourself time and make your complaint professional with our templates. We’ll help you complain about all the common problems debtors face, including creditor harassment, statute barred debt and complaints that you do not owe the money.  Complain to Your

Introduction MoneyNerd has created three letter templates for when you need to ask creditors for information.  Whether you want to request a breakdown of instalments left to pay on your loan, a copy of your signed credit agreement, or even a copy of the personal information your lender keeps on file, our letter templates are