Your name and address

Date ……………….

Creditor’s name and address

Account number: ……………………..

Dear Sir or Madam,

I now enclose a financial statement giving full details of my situation.

As you can see, after essential expenditure, there is no available income to make repayments towards this account/debt.

My situation is not likely to change due ………………………………………………………..

In these circumstances, I would like to ask you to write off the debt completely. While I realise that this is unsatisfactory, I feel it is the most practical course of action at this time.

However, if you feel it is impossible to clear the debt in its entirety, I could offer no more than a token payment of £……..  per month.

Yours faithfully

……………………………..…………..…..