I enclose a copy of my financial statement. This shows income and expenses for me. You will see from this information that I am unable to make any offer of payment at the moment.
I am making every effort to increase my income and will contact you again as soon as my financial circumstances improve.
In the meantime, it would be helpful if you could hold action on my account and agree to freeze interest and other charges to stop my debt increasing. If you are unable to agree to this, please explain your reasons.
Thank you for your help and I look forward to hearing from you.
Yours faithfully,
