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 sending a second letter stressing that they are not likely to receive the money back might just swing their decision.

Download our write off the debt letter template, add your account details and some personal information, and then send it off. Your persistence might just get them to write off the debt, or could get them to agree to a £1 per month repayment plan. 

Letter Template

To Whom It May Concern

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

Thank you for your [letter/telephone call]* (required) concerning the above account. I am sorry that you are unable to write off the outstanding debt.

The majority of my creditors have agreed to write off the debts I owe. They have accepted that my circumstances mean that I cannot realistically maintain payments of any kind.

I would therefore be grateful if you would reconsider writing off this debt. Please take the following information into account when making your decision.

[include a paragraph outlining the special circumstances you have that you want the creditor to take into account]* (required)

I would therefore be grateful if you would reconsider writing off this debt. If you do not agree to this request, please consider accepting token payments on this account of £1 per month. As you will see from the enclosed budget summary I have no available income and I am not in a position to make realistic offers of payment. 

Also, please freeze any interest and charges on the account to avoid the situation getting worse.

I look forward to hearing from you.

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)

Can debt be written off?

Debts can be written off by creditors, but it is not easy to get them to agree to wipe the debt. After all, commercial businesses and lenders require you to pay back the debt so they can make a profit. 

You will need to make the creditor realise they do not stand a good chance of recovering the debt because of your financial situation or possibly because of a terminal illness. By making them realise that chasing the debt is a worthless cause, they might agree to write off the debt.

Do creditors have to write debt off?

Creditors do not have to agree to write off a debt irrespective of the circumstances. Even if you are in financial hardship, there is unfortunately no law that states they have to wipe the debt. 

However, The Lending Standards Board and similar organisations strongly urge creditors to stop chasing debts and write them off when the debtor is not going to be able to pay them back now or in the future.

What if your request is refused?

If the creditor refuses to write off your debt, you can acknowledge their decision but make a second request. This is why we have created a letter template for second requests to write off the debt. 

The second letter should stress the points you made in the first request. You may want to include further information or proof. And it can be beneficial to show evidence of other creditors wiping your debt, if this has happened. 

Other ways to write off a debt

If the creditor rejects your second attempt to get the debt written off. You should start to look into the different debt solutions options. One particular solution can write off your debt in time, namely a Debt Relief Order. 

This is a solution for people with less than £50 spare each month and no assets worth more than £1,000. The Debt Relief Order will ban all creditors from chasing you for money for a whole year. And at the end of the year, if your finances have not improved, all the debt you owe will be written off. 

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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