Can I ask a creditor to write off my debt?

Creditors — including banks, credit card companies, utility providers, and local authorities — can choose to write off debts entirely in certain circumstances. This is not a legal right, but a discretionary decision. However, well-evidenced requests for write-off are considered seriously, particularly where there is a demonstrable inability to ever repay.

The strongest basis for a write-off request is severe ill health, particularly where you have a life-limiting or terminal diagnosis, or a long-term physical or mental health condition that permanently prevents you from working. The Breathing Space scheme (Debt Respite Scheme) and specialist debt advice organisations (such as StepChange) can assist.

The Money and Mental Health Policy Institute's "Debt and mental health" guidance, which many FCA-regulated creditors follow, recognises that mental health crises can justify special treatment including repayment holidays and write-off consideration.

When making a write-off request, you should: write formally to the creditor's hardship or specialist team; include a letter from your GP, consultant, or mental health worker setting out your condition and its impact; complete a statement of income and expenditure (a Standard Financial Statement) showing you have no disposable income; and explain why the situation is permanent rather than temporary.

Creditors may offer alternatives before write-off — such as a debt management plan, a reduced settlement, or a long repayment break. Write-off is more likely where the debt is unsecured, the creditor has no realistic prospect of enforcement, and the hardship is permanent.