Dealing with your creditors

Use this letter when you need to ask your bank to pay particular bills out of your account from money you have paid in.

Use this letter if your situation has not improved, to ask your creditors to continue accepting your current payment offer.

Use this sample letter to ask your creditors to hold action on your account.

Use this sample letter to ask your creditors to hold action on your account for 30 more days.

​​Use this letter ask your creditors to hold action on your account while you apply for a debt relief order.

​​Use this letter ask your creditors to hold action on your account while you move your debt management plan.

​Use this letter if you want a statement of your account showing what you still have to pay on your credit agreement.

​Use this letter if you want a copy of your credit agreement and/or a statement of the account and the creditor has so far refused to send you a copy free of charge.

Use this letter when a creditor refuses to freeze interest on your account.

Use this letter to tell a creditor that you are in breathing space and to stop collection of the debt

Find out how to apply for Breathing Space, what it covers, and how long it lasts. Free debt advice from National Debtline.

Know your rights when asking for information about your credit agreement. Advice on how to ask for the information and how your creditors must behave.

A guide to credit reference agencies and credit reports. Credit scoring explained, how long your information is held, and how to get it removed

Free advice on how debt and mental health can affect each other. What options do you have if you are in debt and have a mental health problem?

Learn how payday loans work, your rights as a borrower, and how to manage or challenge unaffordable debt. Get free, impartial help from National Debtline.

Persistent debt is when a person has paid more in interest, fees and charges, than they have towards paying off their credit card, store card, or catalogue account

What to do if a creditor refuses your offer of payment. Help if your creditor has refused to freeze interest and charges.

What is a safe bank account and how can I get one? Advice on safe bank accounts and basic bank accounts and how to open one.

Find out when debts become statute barred under the Limitation Act 1980, how to deal with old debts, and what it means for your credit file.

Free guide to debts after death. Learn who is responsible, what happens if there’s no estate, and how different debts are paid.