Being in debt is serious enough, however, heap on top the stress and anxieties caused by being chased for payments and debts you cannot afford to pay, it can become too much for some.
DebtBuffer is here to help. Not only can you find out what your options are for dealing with your debts, and whether you are able to lower your payments and write off a large chunk of them, but we have also launched our new letter writing service.
The service is currently in BETA, so it is not the most perfect finished solution, some awesome stuff is planned. But, it allows you to quickly enter some details and have a completed letter sent to your email inbox for you to send on to whoever is chasing you for debt payments. These letters are designed to help take away, temporarily, some of the stresses involved with having serious debt problems. If we can help you delay enforcement even for a short period whilst you are able to seek professional help, that is mission accomplished for us. Life is too short for carrying the burden of debt you cannot manage as the financial system is engineered to try recover that debt. Unfortunately that is to the detriment of many peoples mental and physical health. We’re here to help. Look at your choices below and see if there is a letter template that might help you today.
This letter asks a creditor or anyone chasing you for a debt to prove that the debt exists. Under the Consumer Credit Act 1974, if a creditor cannot produce a copy of the credit agreement within 12 days of being requested, the debt cannot be enforced.
This letter helps buy you some time to get any action suspended for a temporary period whilst you get on top of your budgets for making repayments OR seek professional debt counselling advice to see how you might be able to tackle your debts.
If you are being chased for debts it can be seriously damaging to your mental and physical health. If you can be declared vulnerable then this helps to change how debt collectors and creditors have to deal with you. It can also buy you extra time to get debt help.
There are rules for how creditors, debt collection agencies & bailiffs are meant to behave. If they are acting in ways that are threatening, abusive and are causing you severe distress use this letter to tell them to stop.