# SAMPLE FINANCIAL HARDSHIP LETTER
Date: 17 June 2029
Parties: Oliver Grant and Northbank Finance plc
## 1. Applicant and subject
Oliver Grant of 14 Willowbank Road, York YO10 4LP writes about account NF-7718 and the £4,860 unsecured balance. His hours were reduced in April 2029 and essential rent, energy and childcare costs now leave only £95 monthly available.
## 2. Scope of request
Oliver offers £95 on the 28th of each month for six months, beginning 28 June 2029, followed by a review using updated income and expenditure. He asks Northbank to freeze default interest and collection charges while the plan is kept.
## 3. Facts and reasons
He encloses a budget, payslips and benefit statement, with sensitive data sent through the secure portal. He asks the creditor to record that correspondence should be in plain English and not by repeated telephone calls.
## 4. Identity and information
Northbank should confirm the balance, interest rate, account owner and whether a regulated forbearance or vulnerability process applies. Oliver is willing to provide further proportionate evidence but cannot afford a large one-off payment.
## 5. Response method
Please respond within ten working days and suspend escalation while considering the proposal. Acceptance of a payment does not by itself change the credit agreement unless the arrangement is confirmed in writing.
## 6. Deadline and remedies
If rejected, Oliver requests reasons and an affordable counterproposal. He may seek debt advice and use the creditor's complaints or Financial Ombudsman route where applicable, without admitting any disputed charge.
## 7. Signature and records
Oliver signs on 17 June 2029 and keeps copies. This is a request for temporary forbearance, not a refusal to pay, and does not authorise disclosure of his information to unrelated persons.