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Your account or reference numberYou will find your account or reference number on any paperwork from your creditor.

I am writing to tell you that I am getting advice from National Debtline on dealing with my financial situation and choosing the right debt solution for me.

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Since making the above agreement with you, my circumstances have changed. I cannot now afford to make the agreed monthly token offers for the following reasons.

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Include a paragraph outlining the special circumstances you have that you want the creditor to take into account. For example, illness, disability, age or bereavement.

Include evidence of any medical condition if possible, or supporting evidence from a doctor, social worker, mental health worker etc. Also include information about why your financial situation is unlikely to improve.

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I enclose a budget summary which shows my total income, and my total outgoings. As you can see, I token offers no money left to make offers of payment to my creditors. Make sure you only offer what you can afford.

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If you are adding interest or other charges to the account, I would be grateful if you freeze these so that the debt does not increase. If my circumstances improve, I will contact you again.

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