Introduction

Welcome to our MoneyNerd letter template hub!

Here you will find free letter templates that will come in useful to people in debt. Simply download them, add some information where stated and send them off. These letter templates could save you stress, worry and money, or in some cases, even write off all your debt.

We’ve divided our letter templates into seven categories so you can find the template you need easily. 

Table of Contents

Letter Template Categories:

Asking for Information

Using the Consumer Credit Act and the Data Protection Act, you are legally allowed to request and receive information from creditors. We have three different letter templates to ask for information regarding instalments left to pay on a debt, your actual signed credit agreement, and all personal information held about you. 

Asking for Information

Complaining About a Lender

You can complain about lenders to the Financial Ombudsman, but before you make a complaint, they ask you to complain to the lender first. 

We help you do this effectively with four different letter templates for generic complaints, credit harassment complaints, disputes that you do not owe the debt (prove the debt letters) and complaints that your debt has become too old to be collected (statute-barred letters). 

Complaining About a Lender

Dealing With Bailiffs

We help you complain about bailiffs and to bailiff companies with a series of letter templates. 

Specifically, our templates can be used when you need to complain about bailiff fees that are higher than the regulated amount, unlawfully threatening and physical bailiffs, and we can help you declare yourself as a vulnerable person that bailiffs are not allowed to visit at home. 

Dealing With Bailiffs

Dealing With Mortgage Shortfall Debt

If you have been stung with a letter saying you owe a mortgage shortfall debt, our series of mortgage shortfall letter templates will help in every step of the process. From requesting a breakdown of the account to disputing the mortgage shortfall – and any step in between – our five templates in this category can save you a lot of money. 

Dealing With Mortgage Shortfall Debt

Making Payment Instructions

You have a right to cancel recurring card payments with your lender or your bank. And you have a right (the first right of appropriation) to instruct your bank to pay essential bills before your overdraft. Use the letter templates from this category to make payment instructions to banks, creditors and other persistent companies. They can’t say no!

Making Payment Instructions

Negotiating With Your Creditors

It’s no surprise that negotiating and communicating with your lenders is our biggest letter template category. We have 13 fantastic letter templates here for you to negotiate repayment terms, freeze interest, ask for a debt to be written off and much more. We draw upon legislation and codes of practice to strengthen your negotiations with creditors. 

You don’t need to look these rules up yourself – just download our templates for free instead!

Negotiating With Your Creditors

Other Useful Letters

We also have a batch of other letter templates that are popular among debtors. These miscellaneous letter templates will help you in common situations, such as switching your Debt Management Plan provider, complaining about creditors ignoring a Debt Relief Order, and much more!

If you haven’t found the letter template you need in the above categories, there is a good chance it’s here!

Other Useful Letters

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