These are free to use – just download the documents and add or delete text where needed.
Inform organisations of your registration with the VRS
Use these letters to inform other organisations of your current circumstances and registration with the VRS
Inform other organisations of your registration with VRS
Tell a bailiff you are vulnerable
Adjusting payments towards your debts
Use these letters to adjust payments towards your debts.
Pro-rata offer
Reconsider pro-rata offer
Token payment or no offer of payment
Request to write off a debt
Write off the debt second request
Ask your domestic energy supplier to accept affordable payments towards your arrears
Disputing the debt
Use this letter to help you dispute liability for ‘simple contract’ debts. You must be reasonably sure that you have not made a payment or written acknowledging that you owe the debt during the six-year period.
Time has run out to recover a debt - statute barred debt in England Wales or Northern Ireland
Complaining about the business
Use this letter to contact the business first before complaining to their regulator.
Complain about a business
Creditor harassment after informing them of change in your circumstances
POA & LPA template
Use this covering letter if you have a temporary or a lasting power of authority to make decisions on someone’s behalf about their financial affairs and would like to inform other organisations. You should enclose a copy of your Power of Attorney along with the letter.
POA template
LPA template
CPD template letter
Use this covering letter if you are authorised by the Court of Protection as a deputy to make decisions on someone’s behalf and would like to inform other organisations. You should enclose a copy of your appointment as a deputy along with the letter.
CPD template letter
