About sample letter A
When to send this letter
Send this letter to each creditor when you need to:
- Give yourself time to prepare a financial statement
- Get financial details about your debt and payments
Always keep a copy for your records.
When to get legal advice
Get legal advice if you think:
- You may not be liable (responsible) in full for a debt that is being claimed by a creditor
- You think your debt may come under the statute of limitations law.
Check you owe the debt
- Read more about checking if you owe the debt.
Each member of the couple should sign
If you are writing as a couple, make sure you both sign the letter.
Terms used in this letter
You’ll notice towards the end of the letter that we use two technical terms.
‘Statute barred’ and ‘without prejudice’. It’s important to use these term as they have legal meanings.
Statute barred refers to the legal time limits a creditor has to pursue you through the courts for a debt. This is usually 6 years. This can be used as a defence in court but does not make the debt go away.
We use the phrase ‘without prejudice’ to show that you are making this offer in a genuine attempt to tackle your debt. Using this phrase means that your creditor cannot then use this letter in any future court action if that occurs.
Legal part from letter
Plain English version for you
|Please note that nothing in this letter or any other letter or document that I send you is an acknowledgement of any debt that has been or will be statute barred, nor does it reactivate any such debt. Accordingly, this letter is sent to you without prejudice.
|Please note that nothing in this letter or any other letter or document that I send you has anything to do with any debt that has gone past the legal time limits for a debt to be pursued in court (statute barred). Nor does it reactivate debt like this. I am sending this letter to you without prejudice. This means I am writing in a genuine attempt to tackle my debt and you cannot use this letter in any future court action.