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The Financial Rights Legal Centre provides several letter templates that you can use to write to your creditors, insurers or Ombudsmen. The letter templates help you to write to the other party in different situations. You can add your own details such as your name, address and the reasons why you can’t pay the money. None of your data is stored, so your privacy is secure.

Letters will not be sent automatically to the other party, so you will need to copy & paste the generated letter into your email or into a Word document in order to send the letter to the other party.  Once you have pasted the generated letter into your own email or Word program you can make additional changes to the main text of the letter, however we do not advise deleting any of the legal content that has been automatically generated.

More information about how to use these letters can be found in our Guidelines. If you have any questions about how to use the letter templates or if you need legal advice or financial counselling before completing a letter, please call 1800 007 007. Note: This program may not work properly in older versions of Internet Explorer.

Credit Debt & Banking

• Requesting Documents
• Letter to Bank Cancelling Direct Debit Authority
• Letter to Business Cancelling a Direct Debit Authority
• Dealing with Debt Collection
• Debt Collector (Old Debts)
• Letter Requesting Hardship Variation on a Consumer Loan or Lease
• Offer of Settlement – Where you agree you owe all or part of a debt

Insurance

• Letter to Other Party’s Insurer Disputing Amount Claimed
• Insurance Code Complaint
• Letter to Your Insurer Raising a Dispute
• Letter to Other Party’s Insurer Requesting Release from Debt
• Letter to Your Insurer Requesting Documents
• Letter to Other Party’s Insurer Offering to Pay Insurance Debt
• Letter to Your Insurer – Can’t Pay Excess

Other Letters to Download (not automatically generated)

• Letter-of-Demand
• Insurance-Deducting-Excess-from-Damages (other party can’t pay excess)
• Insurance-Letter-Disputing-Hire-Car-Costs
• Letter-to-Financial-Institution-Complaining-about-a-Direct-Debit-not-being-Cancelled
• Letter-to-Financial-Institution-Complaining-about-a-Direct-Debit-on-a-Credit-Card-not-being-Cancelled
• Letter-to-Financial-Institution-Complaining-about-an-Unauthorised-Transaction

These letters have been produced with the financial assistance of the Law and Justice Foundation of NSW. The Foundation seeks to advance the fairness and equity of the justice system and to improve access to justice, especially for socially and economically disadvantaged people. http://www.lawfoundation.net.au
Disclaimer: any opinions expressed in this publication are those of the authors and do not necessarily reflect the views of the Law and Justice Foundation’s Board of Governors.