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Debt? > Debtcheck |
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| Letter Writer |
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You can use this
page to automatically generate letters to send to your
creditors.
To use it, simply answer the questions below, then click
on the 'Write letter' button – your letter will
come up on a new screen. Just select 'Print' to print
it out. |
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WHAT
IS THE REASON FOR THE CHANGE IN YOUR CIRCUMSTANCE
Explain here what the problems are, for example you have lost your job, seperated from your partner. |
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HOW
MUCH IS THE OFFER OF REPAYMENT?
Only complete this section if you are writing a offer letter of token payment letter. If you do not know the balance you should first write to your creditors using the holding letter this will request the balance on the accounts. Once you have ALL your creditors outstanding balances you can use our personal budget calculator. This will work out how much you have coming in and going out and how much you can afford to pay your creditors. |
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WHAT
TYPE OF LETTER?
Holding letter is to inform your creditors of a change in circumstances. If your are already seeking advice select the holding letter - I am seeking advice
If you are planning on dealing with negoiations yourself select - holding letter - self help.
Once you have all your balance and have worked out a budget for paying back creditors through the
personal budget calculator you will be able to write using letter writer to make an offer of payment.
If you have money remaining after you have been able to pay for living expenses and any proirity debts
then the remaining will be split on a pro rate bases. If this is the case use the pro rata letter offer.
if you have no mony remaining after you pay for living expenses and any proirity debts
then you should make a token payment of a £1.00 and use the token payment letter.
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