Emergency debt letter

If any of your priority creditors, such as your mortgage lender, threaten urgent action (i.e. with imminent repossession of your home), you will need to act quickly to postpone or delay this action.

If you contact your lender before things get complicated and arrears accrue, your lender may be more likely to come to a reasonable arrangement with you.

Start with a phone-call to your lender to discuss the situation first, and follow-up with a letter confirming the arrangements that you agreed upon over the phone.

Use the letter below to confirm arrangements made over the phone. Explain to your lender that you are in financial difficulties, include the reasons that caused them and say what you can do about it at a short notice.

Please fill in the fields below and hit GENERATE LETTER to create a letter for printing (or copying into a word processor).

If you are using assistive technology, such as a screen reader, to visit this site, you may prefer to download the blank form letter now as a Word document.

Find out the steps you can take to prevent repossession of your home. Download the Mortgage Debt Advice Service Tips & Contact leaflet with information on dealing with mortgage arrears.