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Stay of Execution in the High Court – Sample Letter Template

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Scott
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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Jan 23rd, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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Stay of Execution in the High Court

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Are you looking to apply for a stay of execution in the high court? You’re in the right place. We understand how tough it can be to tackle debt-related problems and the stress of needing to write a formal letter to solve your problem. 

You’re not alone. In fact, over 170,000 people visit our website each month for guidance on debt solutions.

In this article, we’ll explain:

  •  What a stay of execution is.
  •  Reasons to use a stay of execution.
  •  What to include in your stay of execution letter.
  •  What happens if the stay of execution is granted.
  •  How to request a stay of execution against a debt.

We also offer a free letter template to help you request a stay of execution in the high court. Let’s work through your debt-related challenges!

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Letter Template

To Whom It May Concern

Regarding Case #: [your case number]* (required)

I am unable to pay the sum claimed immediately and wish to apply for a stay of execution. I enclose an [affidavit/witness statement]* (required) in support of my application.

I am able to pay £[enter amount]* (required)per month and my first monthly instalment could be made on [enter the date]* (required).

I have carefully considered my financial circumstances and believe that this is a realistic and affordable amount.

I hope that you will be able to accept the repayments I have offered .

Yours sincerely

Downloadable Resource

The download links below take you to a Google document template where you can make a copy or save in any document format you like. Note, you may have to login to your Google account.

Download – Single (for one person)
Download – Joint (for couples)

What is a stay of execution?

A stay of execution is a request to delay a court order. For example, you might be asked to pay a debt through a CCJ. If you cannot repay the debt in full immediately, you could request a stay of execution to delay the need to pay back the debt. A stay of execution for debts usually offers a repayment plan solution.

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get started

Other reasons to use a stay of execution

A stay of execution doesn’t only have to be used when you cannot afford the debt. You might also want to request a stay of execution if the court served you with a CCJ without knowing. Sometimes you might not know you were being taken to court about the debt because the papers were served at the wrong address. In this case, a stay of execution can delay the CCJ and lead to a hearing that challenges the case once more. 

What to include in your stay of execution?

When you apply for a stay of execution, you should give enough evidence to convince the courts that the stay of execution is necessary. In the case of debt, you should be able to show that you cannot afford to repay the debt amount. This is best supported with a statement from someone who can vouch that the debt is not repayable right now. 

A stay of execution would only delay the need to repay, but you should also be promoting a repayment plan for the debt you can afford. You should supply evidence of why this repayment plan is affordable and more realistic. 

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

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Reviews shown are for The Debt Advice Service.

What happens if the stay of execution is granted?

If you apply for a stay of execution and it’s successful, that CCJ will be set aside. You will then need to keep up with repayments that were agreed upon within the stay of execution. If you fail to keep up with the debt repayments, the court could grant permission for bailiffs to come to your home and repossess items to an equal value of the debt. 

How to request a stay of execution against a debt

You can request a stay of execution against a CCJ by sending our free stay of execution letter template. You may want to seek more advice by speaking with a professional or a debt charity

Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

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The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.