I am writing to tell you that I am getting advice to deal with my financial situation.
My personal circumstances have changed and are likely to continue to change. I am getting further advice on solutions for dealing with my debts.
Therefore I would like to request a payment holiday/that you hold action and freeze interest and charges on the above account.
I will be in touch as soon as I am able to work out the best long term debt solution for my circumstances.
Thank you for your help and I hope to hear from you soon.