Letter templates

---

Reclaim bank charges with interest

Use this template to write to your bank asking for them to repay all default charges (only 'penalty fees' e.g. for going overdrawn etc.) applied to your account within the last six years, plus 8% interest (not compounded) starting from the date each charge was made. Asking for interest can increase the risk of the banks not wanting to settle; it's a judgement call. 

You can send this letter to start the ball rolling even in light of the recent hold because of the recent OFT bank charges test case. View template ›

---

Reclaim bank charges without interest

As above but without interest added. If you prefer to play it safe, don't ask for interest back in initial stages and send this letter; if you win via court you will be awarded the 8% interest. View template ›

---

Negotiate with priority creditors

This template will help you to inform your creditors that you are having trouble keeping up with your repayments and allow you to ask for the information you will need to draw up a financial statement for your higher priority debts. Send this to all creditors when experiencing financial difficulties. View template ›

---

Negotiate with non-priority creditors

Inform your lower priority creditors of your problems with making repayments and make your offer of a more affordable payment. View template ›

---

Ask creditors to freeze interest

Use this letter template to ask creditors to reconsider if they have refused to freeze the interest on your debts. View template ›

---

Ask creditors to reconsider your offer

This letter template will help you to ask creditors to reconsider an offer you have made. View template ›

---

Inform non-priority creditors you have no money to offer

If you have no money to offer as a repayment, use this letter to inform your non-priority creditors of your situation. View template ›

---

Inform credit reference agency of duplicate linked address entries on credit report

Use this letter, after viewing your credit report, to inform your credit reference agency (e.g. Experian) of duplicate linked address entries on your credit report. View template ›

---

Inform credit reference agency of linked address errors on credit report

Use this template if you find addresses on your credit report, in the 'Linked Addresses' section, which you don't recognise and with which you have never had a financial connection. View template ›

---

Inform organisation of duplicate credit search on your credit report

This letter template is designed to help you to directly inform an organisation of a duplicate credit search on your credit report. Sometimes, organisations will accidently perform two credit searches for the same credit application. A larger number of credit searches can reduce your credit score, therefore it is best to get these duplicate searches removed.

Your credit reference agency can only remove duplicate searches with the permission of the organisation who made them, so the best advice is to contact the organisation directly. View template ›

---

Inform organisation of incorrect information on credit searches

This template will help you to tell an organisation that information within a credit search entry is inaccurate. This usually happens because either there was a mistake on your original credit application or an error arising from when your data was originally inputted into the organisation's database. View template ›

---

Inform organisation of unknown credit search(es)

Modify and send this letter to organisations to alert them to credit searches of unknown origin on your credit report. Credit searches for products which you have not applied for could be a sign of fraudulent activity i.e. that someone else has applied for credit in your name. The letter will also ask them to remove these searches from your report. View template ›

---

Inform borough council of Electoral Roll errors on credit report

Use this letter to inform your local borough council of any inconsistencies with the Electoral Roll information on your report. View template ›

---