This is a sample letter you can use after you do a review of your circumstances to let your secondary creditor know there has been no change.
Legal term used in this letter
You’ll notice that at the top of the letter that we use a technical term: ‘Without prejudice’. It’s important to use this term as it has a legal meaning.
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.