Writing to creditors
Download and print these template letters so that you can make requests, instructions and offers to your creditors.
How do I stop creditors harassing me?
If feel you’re being harassed by a creditor you can use this letter to ask them to reduce the number of calls they make. You may want to add extra information about the effect the calls are having on you.
How do I get information about my debts?
If you need to find out more about a debt, you're legally entitled to see an original copy of the agreement, and terms and conditions, and a statement showing all payments made. There’s a set fee of £1 for this. Use this letter to ask a lender for this information. This only applies to debts regulated by the Consumer Credit Act; this includes most consumer credit debts such as overdrafts, personal loans, credit and store cards, catalogues and hire purchase.
How do I tell a lender a debt isn’t enforceable because they've not provided the information requested?
If a lender hasn’t supplied the information you asked for, this letter informs them that the debt is ‘unenforceable’. In this context, unenforceability means the creditor may not be able to successfully take you to court for the debt, but it doesn’t mean you can ignore it.
How do I stop my bank taking money from my bank account?
If you have other debts with your bank that you’re struggling to pay, we recommend that you move your account to a different bank and get a basic bank account. In some cases, your bank can take money out of your account to pay off arrears to other debts you have with them. This is called their right of offset. If you can’t move your account straight away, this letter can be used as a short-term measure to protect your income. This letter is for English and Welsh clients only.
How do cancel my payday loan payments?
Some creditors, such as payday loan companies, will use your debit or credit card to take future payments. You can still cancel these payments by sending this letter to the creditor or to your own bank. If the payment is due to come from your account soon, we recommend calling them and cancelling the CPA by phone. Our page on cancelling CPA recurring payments explains your rights in more detail.
How do I tell the County Court that I can’t afford my payments?
If you’ve had a County Court judgment (CCJ) recently and the payments are set at an amount you can't afford you can ask the court to reconsider your payments. This is called a redetermination, and is only available if you returned your original claim forms on time and received a ‘judgment (after determination)’ reply from the court. There is no fee to apply, but you must make the request within 16 days of the date the judgment was sent to you, or you'll need to apply using an N245, and pay a fee. This letter is for English and Welsh residents only.
How do I tell a lender a debt is statute barred and they're out of time to start court action?
A statute barred debt is no longer enforceable because the time a creditor has to chase payment – usually six years – has passed. Use this letter to tell a creditor that you won’t be making any more payments to a statute barred debt. This can only be used if you live in in England, Wales or Northern Ireland.
How do I write to my creditors to make a settlement offer?
If you receive a lump sum of money, and want to pay off your debts with your creditors you may want to make them a settlement offer. Use this template letter to make them an offer for the full amount or a percentage of what you owe.
Letters to us
How do I give someone else permission to talk to StepChange about my debts?
Use this letter to give us permission to speak to someone such as a friend or relative about your debts on your behalf.