Name here Address here Company name / address here Date here Acc/Ref No 4563210025897412 Further to our recent

letter, we enclose a copy of our Personal Budget sheet whi ch gives details of our present financial circumstances. As you can see our outgoings are more than our income and we are experiencing ex treme financial hardship. We would be very grateful if you would consider writin g off the outstanding debt owing. We have always taken very seriously our financ ial responsibilities but unfortunately our circumstances are so bad that we cann ot realistically maintain payments of any kind. Please take the following special information into account when making your deci sion. (Paragraph outlining the special circumstances you have that you want the credit or to take into account.) As you can see our situation is very unlikely to improve in the future, and our continued high debt level may have a serious effect on our physical and mental w ellbeing. We would therefore be grateful if you would seriously consider our req uest for the debt to be written off. We would appreciate any help you can give us. Yours faithfully ................................................................................ ............................................ Your name here Your address here Date here Ref no. Here Dear Sir/Madam STATUTORY NOTICE UNDER S10 DATA PROTECTION ACT 1998 I refer to your recent admission that you cannot supply me with a copy of a Cred it Agreement signed by me At NO time have I given my written permission for you or your company to process my data Therefore Take Notice that I require that you cease from processing within 7 day s of the receipt by you of this notice or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any t hird party and insofar as the said data relates wholly or in part to the impleme ntation by you of charges which have been applied to my account in respect of de faults or contractual breaches and where the said charges which have been levied at a rate which is in excess of the administrative costs incurred by you as a c onsequence of the said defaults or breaches contrary to The Common Law.

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputat ion and cause substantial damage and/or substantial distress to me and my family members in addition to that which may already have been caused and that as the processing of the said data in the way referred to in this notice would violate the fourth, first and sixth principles of The Data Protection Act 1998 to do so would be unwarranted. Failure to remove ALL my data from your databases and from ALL Credit Reference Agencies will result in a formal complaint to the Information Commissioners Office. Yours Faithfully,