Pro-rata offers sample letter Use this letter to ask your non-priority creditors to accept pro-rata offers of payment on your debts. You can either:  write out this letter onto fresh paper;  photocopy the blank copy in the pocket at the end of the guide and fill in your details; or  fill in our letter online. Go to www.nationaldebtline.org and click on Sample letters. Remember to keep a copy of any letters you send. Add your address here Add the creditor’s name and address here Add the date here Dear Sir or Madam Add the account number for Account number: your debt here (find it in the Since making the above agreement with you, my circumstances have letter from your creditor) changed. I can no longer afford to make the agreed monthly payments for Briefly tell your creditor how the following reasons. your situation has changed I enclose a Summary budget for creditors which shows my total income Add the amounts from and my total outgoings. As you can see, I have only £ per month left for your Summary my creditors. budget for creditors I have worked out the offers to my creditors on a pro-rata basis and have written to all my creditors asking them to accept reduced payments. Add a date that works Because of my circumstances, please accept a reduced offer of £ per month. I will make my first reduced payment on . best for you If you are adding interest or other charges to the account, I would be grateful if you would freeze these so that all payments I make will reduce what I owe you. Choose which option is best If my circumstances improve, I will contact you again. for you Please send me your details so I can set up a standing order to pay you / information about the different ways that I can make payments to you. I look forward to hearing from you as soon as possible. Add your signature here Yours faithfully and print your name in capitals underneath it Page 88