Ask creditors to reconsider offer

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[YOUR NAME]
[YOUR ADDRESS: LINE 1]
[ADDRESS: LINE 2]
[ADDRESS: TOWN]
[ADDRESS: COUNTY]
[ADDRESS: POST CODE]
[YOUR TELEPHONE NUMBER]

[DATE]

[NAME OF CREDITOR]
[ADDRESS OF CREDITOR: LINE 1]
[ADDRESS: LINE 2]
[ADDRESS: TOWN]
[ADDRESS: COUNTY]
[ADDRESS: POST CODE]

Ref. Account number/Agreement Number: [YOUR ACCOUNT/AGREEMENT NUMBER]

Dear Sirs,

Thank you very much for your letter dated [INSERT DATE HERE LIKE THIS xx/xx/xxxx].

I was sorry to hear that you feel unable to accept my repayment offer. [CHOOSE FROM: The majority/All] of my other creditors have accepted my offer and, as a result, payments to them have already commenced.

I am unable to offer you a higher sum because, as you can see from my financial statement, I only have a total amount of £[INSERT AMOUNT HERE] to divide between all of my creditors and it would be unfair to favour your company at the expense of others who have already agreed to my offer.

Please reconsider my offer in light of what the other creditors have accepted.

Yours faithfully

[SIGN NAME HERE]

[PRINT NAME HERE]

Enclosures: [STATE DOCUMENTS YOU HAVE ENCLOSED, IF ANY]