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  • Dear Sir/Madam,
  • I am writing to notify you that I am struggling financially and unable to repay the arrears in full.

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  • I am taking the following steps:

    I am taking financial advice to manage my affairs - I enclose my income and expenditure for your information.

  • I hope you will find this offer acceptable.

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  • I am therefore formally requesting that you suspend all recovery action. If you are not prepared to suspend all action can you please provide me with the reasons why?

    I look forward to hearing your response and will keep you regularly updated on any changes to my situation.


    Yours faithfully,

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