No money to pay creditors - joint letter

Your details

These details will appear on your letter.

Your full name

If you're writing this letter with the other account holder, enter their full name (optional)

Your address

Put your street, town and postcode on different lines.

Your email address (optional)

Your phone number (optional)

If it’s not a UK number, include the country code. If it’s a landline, include your area code.

Creditor’s details

A creditor is someone you owe money to. Check letters or emails from the creditor for their contact details. If you’ve had letters from a debt collection agency, use their details instead.

Creditor’s name

Creditor’s address

Put the street, town and postcode on different lines.

Is there a specific person you want to write to?

Yes

If yes, what's their name? (optional)

If you selected no, leave this blank.

Your account

Check statements, letters or emails from the creditor for your account details. If you have an online account you can also check that.

Account number

Your name as it appears on the account

Other account holder's name as it appears on the account

Reference number (optional)

You might have a separate reference number, for example, if you’ve already written to the creditor and they gave you a reference number in their reply.

Your situation

Explain why you can’t keep up payments. For example, because you’re unable to work. Give as much detail as you can and say how long your financial difficulties might last.

Reasons you can’t keep up with the payments