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Offer to non-priority creditor - letter

You can use this letter when you have some money available to offer your non-priority creditors. You can use the Budgeting tool to work out your budget and fair offers to each of your non-priority creditors.

This template is to be used for guidance and may not suit your specific situation. If you require more detailed advice and guidance, you can get more help.

If you need more help on using this tool, or you want to read about circumstances when you might use it, see Guidelines for using the letter templates.


Ann Other
66 Heron Street

Liable loans plc
123 Green Lane

18 April 2015

Your reference: LL/ANO/Reminder1

Dear Sir/Madam

Account name: A.N. Other
Account number: 12345678

I am sorry that I am unable to keep up my monthly payments to your company. This is because I am sick and unable to work. I have claimed benefits and am waiting to hear the outcome of my claim. My situation is unlikely to improve for at least 3 months.

I enclose a copy of my financial statement. This shows income and expenses for me and the offers I can make to my creditors. The offers have been worked out based on what I owe so that each creditor gets a fair share of the money.

The amount I can pay you is £75.50 a month. I will be able to make my first payment on 1 June 2010.

Please agree to freeze interest and other charges on my account as long as I keep to the payments. I will let you know about any changes in my circumstances.

If you are unable to accept my offer and freeze interest and charges, please explain why. Thank you for your help and I look forward to hearing from you.

Yours faithfully

Ann Other

Citizens Advice

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