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Sixteen templates Branded PDFs Free forever

Ten of the most useful UK debt letters, written in plain English and formatted as PDFs you can print and post the same day.

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The sixteen templates

PDF · A4 · UK English

Limitation Act 1980

Statute barred letter

Tells a creditor or DCA that the six-year limitation window has expired and further collection must stop.

Use it when: No payment and no written acknowledgement for at least six years.
Do not use if: You have made any payment or written to the creditor about the debt in the last six years.

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Consumer Credit Act 1974 · s.78

Prove the debt (CCA request)

A £1 statutory request forcing the creditor to produce the original signed credit agreement and current statement.

Use it when: The debt is a regulated credit agreement, such as a credit card, catalogue, personal loan, or store card.
Do not use if: The debt is a utility bill, council tax, mortgage shortfall or overdraft (not regulated under s.78).

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UK GDPR · Article 15

Subject Access Request

Requires the creditor to send you every piece of personal data they hold on you within one month, free of charge.

Use it when: You want the full account history, call recordings, notes, and any third-party data the firm holds.
Do not use if: You only need the credit agreement. The CCA request is quicker and cheaper.

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CONC · DISP

Formal complaint · creditor or DCA

Opens a regulated complaint under DISP that a firm must acknowledge and respond to inside eight weeks.

Use it when: The firm broke a CONC rule, misled you, ignored an affordability issue, or refused reasonable payment plans.
Do not use if: You already have the firm’s final response, or eight weeks have passed. Use the Financial Ombudsman referral letter instead.

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Financial Ombudsman Service

FOS escalation letter

Takes an unresolved complaint to the Financial Ombudsman after the firm has issued a final response you disagree with.

Use it when: The firm gave a final response and you have less than six months to escalate to FOS.
Do not use if: The firm has not yet issued a final response and less than eight weeks have passed since your complaint.

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Standard Financial Statement

Income and expenditure covering letter

Sends an SFS or budget summary to a creditor with a clear offer of what you can pay each month based on the numbers.

Use it when: You have already produced a Standard Financial Statement (the Budget Planner does one for you).
Do not use if: You have not worked out your real income and expenditure. Send that first, otherwise the offer is just a guess.

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CONC 7.9 · Harassment Act 1997

Harassment cease and desist

Puts the firm on notice that its contact pattern is unfair or harassing and instructs written-only contact from receipt.

Use it when: You have logged excessive calls, texts, emails, or doorstep visits that you can list by date.
Do not use if: The firm has only contacted you a handful of times over several weeks. That alone is unlikely to meet the CONC 7.9 threshold.

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Short-term hardship

Token payment offer

Offers a small monthly amount from your budget when you cannot afford the normal payment, and asks for interest and charges to be frozen and the arrangement confirmed in writing.

Use it when: Your budget shows you cannot afford the normal payment on a non-priority debt such as a credit card, loan or overdraft.
Do not use if: The debt is a priority bill (rent, mortgage, council tax, energy), or it may be statute-barred: check that first.

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CCA 1974 s.140A · FCA DISP · Johnson v FirstRand

Motor finance commission complaint

Formal complaint to a motor finance lender about undisclosed or partially disclosed commission on a PCP, HP or personal contract hire agreement. Works whether the FCA industry-wide scheme covers your deal or not.

Use it when: You took out motor finance and were not told the commission the dealer or broker received, or the effect it had on your interest rate.
Do not use if: Your agreement was a straight cash purchase or a lease with no credit element. This letter is for regulated credit agreements only.

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Consumer Credit Act 1974 · s.75

Section 75 claim letter

Claims from your credit card provider when something you bought is faulty, not as described, never arrives, or the seller has gone bust. The card provider is liable alongside the seller.

Use it when: You paid at least part of a single item priced over £100 and up to £30,000 by credit card, directly to the seller.
Do not use if: You paid by debit card, through PayPal or an agent, or with a charge card you clear in full each month. Read the Section 75 article first if you are unsure.

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Consumer Credit Act 1974 · s.99 and s.100

Voluntary termination letter

Ends a hire purchase, conditional sale or PCP agreement in writing, so the most you owe is capped at half the total price. Asks the lender to confirm the figure and treat it as termination, not surrender.

Use it when: You can no longer afford a car on hire purchase, conditional sale or PCP and want to hand it back before the final payment falls due.
Do not use if: The car was bought with a personal loan, or it is a lease (Personal Contract Hire). Read the car repossession guide first if you are unsure.

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Pre-Action Protocol for Debt Claims · paras 5.2 and 6.4

Reply to a Letter of Claim

Goes with the Reply Form when a creditor writes before taking you to court. Asks for documents and puts forward an affordable payment plan, so court action should not start while you keep to it.

Use it when: A creditor or debt collector has sent you a Letter of Claim with a Reply Form, in England or Wales.
Do not use if: You have already received a court claim form. Read the CCJ guide for what to do at that stage.

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Charging Orders Act 1979 · CPR 73.10

Objection to a final charging order

Written evidence for the court, set out as a short witness statement: your circumstances, your payments under the judgment and your other creditors, which the judge must weigh before making a charging order final.

Use it when: You have been served with an interim charging order in England or Wales and want to object within the 28 days.
Do not use if: The order is already final, or you have received an order for sale claim. Read the charging order article first.

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CPR 73.10C · TOLATA 1996 s.15

Witness statement opposing an order for sale

Your reply to a claim to force the sale of your home: who lives there, the figures, why a sale would be disproportionate and your payment proposal, with a request to dismiss, postpone or suspend.

Use it when: A creditor has started a claim for an order for sale in England or Wales, after a final charging order.
Do not use if: You only have an interim charging order: use the objection above. Read the order for sale article first, and file your acknowledgment of service within 14 days.

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CONC 7.3.10R · LPA 1925 s.136

Full and final settlement offer

Offer a one-off lump sum to close a debt, on condition the creditor confirms in writing, before you pay, that the rest is written off, the debt is not sold on, and how your credit file will show it.

Use it when: You have a genuine lump sum after your priority bills, and want to settle a debt for less than you owe.
Do not use if: The money is needed for rent, council tax, energy or food, or the debt may be statute-barred. Read the partial settlement article first.

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LPA 1925 s.136 · CONC 6.5.2R · CONC 7.14

Debt sold: notice and statement request

Ask a company that says it has bought your debt for the notice of assignment, a statement since the sale and the date of the last payment, and dispute the debt if you need to.

Use it when: A company you have not dealt with before is chasing a debt, or you have not had a notice of assignment.
Do not use if: You already have the notice and a statement and agree the balance. Read how debt collectors buy debt first.

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How to use these letters

Pick one Read the "use it when / do not use if" notes on the card so you send the right letter for the situation.
Fill the fields Every bracketed placeholder in the PDF needs replacing before you send. Print the PDF, hand-write or overtype the fields.
Sign and post Send by tracked post so you have proof of delivery. Keep a copy and note the date sent.
Wait for the reply Most letters give the firm 14 or 28 days to respond. If they miss it, the next step is usually a complaint or FOS escalation.

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The small print

These templates are provided for information only. They are not personal financial advice or regulated debt advice. The Real Debt Guy is not FCA regulated. Reading, downloading or sending a template does not create a client relationship between you and The Real Debt Guy.

If a debt is more than six years old (five in Scotland) and you have not paid or acknowledged it in writing during that period, it may be statute-barred. Sending any letter that acknowledges the debt could reset that clock. The Statute Barred Letter, Prove the Debt (CCA) letter, and Subject Access Request in this pack are worded to avoid that risk.

Templates are updated when the underlying regulations change. If you notice something outdated, please let us know at info@therealdebtguy.com.