I am writing to let you know that I am experiencing financial difficulties and I am now getting help to resolve them.
As a result of this I would be grateful if you could hold action on my account for a period of at least 30 days to give me some breathing space. I will be completing an income and expenditure to work out the best way to deal with my debts.
Also, if you are adding interest, I would be grateful if you would freeze these during this period so that my debt does not increase.
I will forward my income and expenditure shortly and my proposals for repaying my creditors.
I look forward to hearing from you as soon as possible.