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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.
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.
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).
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 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.
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!
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!
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!
- Hold Action Debt Management Plan – Sample Letter Template
- Renegotiate with your Energy Supplier – Letter Template
- Write off After Death – Sample Letter Template for Creditors
- Write Off the Debt – Sample Letter Template Example
- Write Off the Debt (Second Request) Sample Letter Template
- Ask Energy Supplier to Accept Affordable Payments – Letter
- Cancel your Debt Management plan – Sample Letter Template
- Creditors Asking for Payment After Debt Relief Order Letter
- Hold Action While You Apply for a Debt Relief Order – Letter
- Stay of Execution in the High Court – Sample Letter Template
- Freeze Interest on Credit Cards – Sample Letter Template
- Full and Final Settlement Offer – Sample Letter Template
- Hold Action on your Account – Sample Letter Template
- Hold Action on Your Account Coronavirus – Letter Template
- Pro-rata Offers – Sample Letter Template
- Reconsider a Token Offer Sample Letter Template
- Reconsider My Pro-rata Offer – Letter Template
- Terminate a Car Finance Hire Purchase Agreement – Letter
- Token Payment Plan or No Offer of Payment – Letter Template
- Don’t Pursue Mortgage Shortfall – Sample Letter Template
- Mortgage Full and Final Settlement Offer Letter
- Write Off Mortgage Debt Sample Letter Template
- Dispute Liability for a Mortgage Shortfall – Letter Template
- Ask your Bank to Pay Particular Bills – Letter Template
- Withdraw your Continuous Payment Authority – Letter Template
- Stop Continuous Payment Authority – Sample Letter Template
- Continue Accepting My Offer – Sample Letter Template
- Complain to Your Lender – Sample Letter Template
- Complaining to Debt Collectors that you do Not Owe – Letter
- Creditor Harassment Sample Letter Template
- Statute Barred Debt Sample Letter Templates
- Complain About a Bailiff Overcharging You – Letter Template
- Complain to a Bailiff Company – Complaint Letter Template
- Complain to a Council About their Bailiffs – Letter Template
- Tell a Bailiff That You Are Vulnerable – Letter Template
- Ask Your Mortgage Lender for Breakdown of Account – Letter
- Mortgage Shortfall Debt – Sample Letter Templates
- Making Payment Instructions – Sample Letter Templates
- Negotiating With Your Creditor – Sample Letter Templates
- Other Useful Letters – Sample Letter Templates
- Information About Remaining Payments – Letter Template
- Credit Agreement Request Letter Template
- Personal information request letter – Data Protection Act
- Asking for Information – Sample Letter Templates
- Complaining About a Lender – Letter Templates
- Dealing with Bailiffs – Letter Templates