Debt Advice Network
IS A REGISTERED CHARITY
- Registration. No. 1124322
self
help -
letter templates...
If you're feeling confident enough to deal with your creditors yourself,
here are some letter templates to assist you. You can select and
download the letters which best suit your situation.
Because Word documents don't 'travel' well (they
sometimes appear distorted, depending on local settings), we have
included the same templates as Adobe documents (which can be copied &
pasted into your word processor).
IMPORTANT
- Make sure that when
making an offer to pay a certain amount, you can afford to sustain the
payments.
If the lender agrees to reduced payments and you subsequently fail to
maintain them, it is unlikely that you will be given a second
opportunity. Where mortgage payments are concerned, we would
recommend that you speak to an experienced mortgage advisor to work
out your monthly affordability before committing yourself to a repayment
plan. It is important to remember the statement on every mortgage
document which reads "Your home is at risk if you do not keep up your
mortgage payments (or loans secured on it)". Your mortgage lender is a
priority creditor.
1. Debtor with arrears on repayment mortgage
This is a request to temporarily change the whole outstanding
amount to interest only.
Click either the Word or the Acrobat icon. Click here to prepare
a financial statement.
2. Debtor with arrears on repayment mortgage
This is a request to temporarily change the whole outstanding
amount to interest only.
Click either the Word or the Acrobat icon. Click here to prepare
a financial statement.
3. Debtor with an interest only mortgage
This is a request to temporarily change the whole outstanding
amount to interest only.
Click either the Word or the Acrobat icon. Click here to prepare
a financial statement.
4. Debtor with an interest only mortgage asking for
reduced payments
This is a request for a temporary reduction in the monthly
repayment amount.
Click either the Word or the Acrobat icon. Click here to prepare
a financial statement.
5. Debtor with an interest only mortgage in arrears
asking for reduced payments
This is a request for a temporary reduction in the monthly
repayment amount.
Click either the Word or the Acrobat icon. Click here to prepare
a financial statement.
6. Debtor not able to make any monthly mortgage payments
for a short while
This is a request for the monthly payment to be temporarily
suspended.
Click either the Word or the Acrobat icon. Click here to prepare
a financial statement.
7. Debtor not able to pay rent
This is a request for reduced monthly payments, pending receipt
of housing benefit.
Click either the Word or the Acrobat icon. Click here to prepare
a financial statement.
8. Debtor requesting temp. reduced rent payments
This is a request for reduced monthly payments now, to be paid
in full in the future.
Click either the Word or the Acrobat icon. Click here to prepare
a financial statement.
9. Debtor not able to pay rent and claiming housing
benefit
This is a request for reduced monthly payments, pending receipt
of housing benefit.
Click either the Word or the Acrobat icon. Click here to prepare
a financial statement.
