Budget planner & letter templates

It can be hard to know what to say to your creditors, which is why we've created these useful letter templates for you to use. We've also included a handy budget planner to help you assess your finances and identify any areas for improvement.

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Planning your budget

Budget PlannerUse our handy budget planner to figure out if you need help with your finances.

Download(PDF format)

Letter templates

First contactTell your creditors about your situation and ask for time to prepare your offer.

Download(RTF format)

Offer of repaymentSend with your Budget Planner to ask creditors to accept reduced payments.

Download(RTF format)

Repayment offer refusedSend if your pro-rata payment has been refused by one of your creditors.

Download(RTF format)

Refusal to freeze chargesSend this letter if your creditor refuses to freeze interest/charges on your account.

Download(RTF format)

Data protection requestSend to request information and correspondance from your creditor.

Download(RTF format)

Download our guide

Debt & You guideDownload the Debt and You guide for printing or viewing offline.

Download(PDF format)
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  • Our budget planner can help you to plan out all your essential outgoings, so you know how much you can safely spend each month.
  • Use our letter templates to let your creditors know when you're having problems with your debts.
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