Inform non-priority creditors you have no money to 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,

I am currently experiencing financial difficulties as a result of [SELECT FROM: disability / serious illness / a loss of employment / a relationship breakdown / imprisonment / starting work in a lower paid job / starting full-time education / needing to take parental care leave / etc.] and I am therefore unable to keep up with the full payments due on my account. 

Enclosed is a copy of my financial statement. From this you will see that, after meeting the costs of essentials, I do not have any spare income with which to make you an offer of a repayment except for a token payment of £1 as a gesture of goodwill. 

I have enclosed the first payment with this letter and request that you please send me a payment book.

I will contact you again in the future is my financial circumstances improve. In the meantime, please will you freeze the interest charges being made to my account and consider whether you could write off the debt?

Thanking you in advance.

Yours faithfully

[SIGN NAME HERE]

[PRINT NAME HERE]

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