The Request Bank Statement template enables you to formally request a specific bank statement. The template is drafted to put your bank under an obligation to respond to your satisfaction as soon as reasonably practicable and communicate with you solely via your Clever Law e-mail.

The Request Confirmation of Balance Paid in Full template enables you to request written confirmation from your creditor regarding the balance on your account being fully satisfied. The template ensures that your creditor provides you with full and accurate statement as to the date the payment was received and express statement that your account has been fully paid and no collection activity will take place.

Use this template to request a copy of the credit agreement made between yourself and the creditor. By referring the relevant legislation, the templates puts your creditor under an obligation to disclose to you a full breakdown of your account. This includes (but is not limited to) all interest and/or charges accrued.

The Request Full Breakdown of your account template enables you to request a full breakdown of your account with your Creditor. By using this template, you will ensure that you receive a complete statement. It should include the total debt outstanding, interest and charges, current payment, defaults, etc.

This template enables you to formally inform the Mortgage Provider of your refusal to acknowledge a debt the provider claims you owe. The template also requests the provider to stop all collection activity immediately and demand sufficient information as to the nature and origin of the debt, setting out a list of questions you wish to be answered. If applicable, the template can also be used to request further information regarding the repossession and sale of the property.

The Request Original Creditor information template enables you to formally approach a company/individual who has purchased a debt that you owed to a different creditor. The template sets out a list of information that you need the company to provide you with, in order for you to calculate a new offer of repayment.

The Request a Creditor to Reconsider Write-Off of your debt template enables you to formally ask a creditor to reconsider their refusal to write-off of your debt. The template is structured to maximise the chances of your request being granted. You can enter the reasons why you have found yourself in a financial hardship. You can inform them why you believe you will never be able to repay this debt in full. You must include any necessary evidence to back up your reasons for your request to Write-Off your debt.

This template enables you to formally request a Final Settlement Figure from your creditor when you come into a lump sum. You would use this template if you came into a lump sum to settle your debts in full. Generally, your Creditor will offer you a lower figure to settle your debt in full and final settlement. The letter requests written confirmation that the payment you make will be in full and final settlement of your account.

The Request a High Court to Stop Execution template enables you to inform them of your financial hardship. It proposes a repayment that is realistic and sustainable to yourself. It is important that you enclose an affidavit (you can use the one provided on our website) in support of your application, whereby you declare that you are unable to repay the debt in full.

The Request a creditor to Write-Off your debt template enables you to log a formal request to write off your debt due to your severe financial hardship. The template provides a clear structure to maximise the probability of satisfactory outcome. The guidance provided will help you argue your case effectively. You will need to provide evidence of your circumstances

This template enables you to formally notify the creditor that a debtor has Passed Away and request the debt be written off. It is essential that you enclose a copy of the death certificate as evidence.

This template enables you to request written confirmation that the creditor has received payment from your. For example, you can use it if you have received an arrears letter but have made a payment. You can obtain evidence that the creditor has received payment You can avoid further correspondence with the credit when you use this letter.

The Request to Amend Payment Date template enables you to notify a creditor that you want to change your repayment. Aside from informing the creditor of the date change, the template also reminds the creditor of the relevant regulation to treat customers in financial difficulty with forbearance and due consideration.

The Request to Change Payment Date – set for incorrect date template enables you to formally inform the creditor that the payment date under your self-managed debt repayment plan has been set incorrectly. The template reminds the creditor that you have provided a clear instruction as to the specified payment date and demand an immediate amendment.

The Request to backdate Default Notice template enables you to formally request your creditor to backdate a default notice on your account in the circumstances when the date of the notice as displayed on the account does not correspond with the date when you first informed the creditor of your financial distress.

The template enables you to formally request your creditor to remove interest and charges that were applied to your account. It is based on the fact that you have submitted a reduced payment due to financial distress. The template informs the creditor of your extreme dissatisfaction and demands a response within 7 working days.

This template responds to your creditor’s attempts to question you about your Income and Expenditure. The template is drafted in such a way as to ensure that all communication from your creditor will take place solely via your clever law e-mail.

This template enables you to deal with a creditor that refuses to accept your proposed Payment Arrangement and freeze interest and/or charges while you are in financial difficulty. The template quotes the relevant regulation and reminds the creditor of their obligation to exercise forbearance and due consideration in all dealings with you.

This template enables you to promptly respond to your creditor’s rejection of your reduced payment offer. The template quotes the relevant regulation, reiterates your difficult financial position (which you need to back up by re-attaching your Income and Expenditure form) and reminds the creditor of their obligation to treat you with forbearance and due consideration.

This template is a carefully drafted response to a mortgage provider who attempts to collect a Mortgage Shortfall debt at the time when six years since the date of sale have passed. Even though such attempt is clearly in breach of the relevant regulation, it is important to structure your response properly to make sure the case is closed once and for all – this template provides exactly that.

This template enables you to respond to your creditor’s questioning the ‘Legal Fees’ expenditure item on your Income and Expenditure form. The template is carefully drafted to avoid any further queries regarding this matter by warning them of the serious ramifications their conduct may have. Furthermore, the template urges the creditor to class you as a vulnerable customer (due to your financial circumstances) and reduce all communication to a minimum.

This template enables you to respond in the most effective manner to a mortgage provider attempting to extract payments from you with regards to a Mortgage Shortfalls, 12 (or more years) since the date on which the debt accrued. The template is carefully drafted to remind the creditor that his actions run contrary, not only to the Limitation Act but also other relevant regulation and guidance. Last but not least, the creditor is urged to seize all collection activity and issue you with written confirmation that no further action shall be taken with regards to the alleged debt.

The template enables you to formally respond to your creditor’s request for your personal Cleverlaw reference. It ensures that your dealings with any third party remain confidential. It also reminds the creditor of your rights as a customer in a vulnerable position. Last but not least, the template expressly urges the creditor to streamline all future communication via your Cleverlaw e-mail to avoid any unsolicited phone communication.

The Response to repayment Offer Rejected by creditor – Account up to date template enables you to formally respond to your creditor’s refusal of your reduced payment offer as your account is up to date. The template and guidance helps you argue your case by informing the creditor of your persistent financial difficulty. Therefore, you cannot commit to any higher payments. It reminds the creditor of the relevant regulation that places them under an obligation to treat you with forbearance and due consideration.

The ‘Risk Assessment Action Plan’ template creates a comprehensive log of all the action required by an organisation following a health and safety risk assessment. The log include the details of the risk and the proposed steps that will be taken to reduce said risk, It then include the name of the person accountable for the action point including the deadline by which it must be completed. Finally, it includes the category of the risk.

The ‘Risk Assessment Form’ template is to conduct a comprehensive health and safety risk assessment at workplace. This form focus on the nature of risk, the level of risk and the probability of a risk. It starts with identification of risk during an audit and the people who are at risk. It then includes the controls that are currently in place to mitigate said risk and if further action is required. Finally, it categorizes the risk that has been identified based on the level, probability and severity of the risk.

The Salary Sacrifice for Pension Contribution template enables you to submit an official request to your employer regarding salary sacrifice. The structure and user-friendly guidance enables you to easily specify how much you wish to be paid from your income towards your pension account annually and request a confirmation from the pension provider

The ‘Sale of Goods Agreement’ template is used when you want to sell goods to a customer. It creates a formal and a legally binding contract between the buyer and seller. It provides the information about the seller and the product that they are selling. It then explains the details of the order and how it will be processed and delivered. It also explains the warranty and limitation of liability. It finally explains the rights and obligations of the buyer and seller.

The ‘Sale of Goods Contract’ is a legal agreement between a buyer and seller. Use this template to design bespoke contracts for the sale of goods for your company. This template outlines the responsibilities of the buyer and the seller in a structured format.

The ‘Invoice Template’ is used to create and invoice for the sale of goods or services. It provides an itemised list of all products sold and the price of individual items along with quantity purchased. Finally it provides information about the payment methods and date the payment is due.

The ‘Sales Agency Agreement’ is a legal agreement between a seller and agency. Use this template to design a bespoke contract with an agency to sell goods on behalf of your company. This template outlines the responsibilities of the buyer and the agency in a structured format.

The ‘Second Payment Reminder’ is a template letter that can be used to inform a debtor of outstanding invoice(s) and their contractual obligation to make a payment. The letter is sent when a debtor fails to make a payment after they receive an initial payment reminder. This is a structured template letter that emphasizes that the outstanding amount is payable immediately. Enforcing the fact that the account is overdue and they have a contractual obligation to make a payment, it provides an opportunity to the debtor to arrange a payment promptly.

The ‘Section 21 Eviction Notice’ is a template document that can be used to evict tenants from a property at the end of the tenancy. It refers to the relevant legislation that give the landlord the right to evict the tenant after a notice period. It outlines the details of the property and the date when the landlord wants to gain possession of the property.

The Separation Agreement template enables you to draft a legal document that will protect both, you and your partner, during the separation proceedings. The template covers a wide array of issues, including but not limited to property maintenance, ownership of assets, regular payments to either party throughout the separation and much more

The ‘Services Agreement’ template is used when you want to sell services to a customer. It creates a formal and a legally binding contract between the buyer and seller. It provides the information about the seller and the service that they are providing. It then explains the details of how the service will be provided and price that will be charged. It also explains the warranty and limitation of liability. It finally explains the rights and obligations of the buyer and seller.

The Set up a Payment Method with your creditor template provides you with a quick and easy way to communicate your preferred method of payment to your creditor. By sending this template you will have clear evidence that you have informed the creditor as to your payment method. Last but not least, the creditor is reminded to streamline all future communication via your clever law e-mail to avoid distress from unsolicited phone calls.

The ‘Share Certificate’ is a template that can be used to certify a person is a registered holder of shares in your company. The certificate provides the details of the number of shares held by the individual and their value.

The ‘Shared Parental Leave Policy’ template is used to create a policy that gives employees who are parents to babies or adopters the opportunity to share leave during child’s first year in family. This policy does not affect the ordinary paternal policies. It provides employees with a more flexible approach to the way in which the parents can share the care for their baby.

The ‘Shareholders Agreement’ template is usually used to define the relationships amongst shareholders. The document can also act as a template to define the roles and responsibilities of the shareholders. This is a structured agreement which takes into consideration various aspects of business including the key decision makers, frequency of board meetings, obligations and entitlements.

The ‘Statement of Account is used provide a statement of account in a professional format. You can print this on your company letterhead and issue it to your customers. It outlines the outstanding invoice number, amount, payment terms and description of the goods and services provided. It also has a section for bank account and payment methods.

The ‘Statutory Declaration Form’ is used to make a declaration before anyone who is authorised by law to hear it, such as a solicitor. This form allows you to make a statement in a prescribed format and affirm that your claim is true to the best of your knowledge.

The ‘Suspension Letter for alleged Gross Misconduct’ template is used to advise an employee of your decision to suspend them from work with immediate effect. It informs the employee that they have been suspended to allow an investigation to take place regarding and allegation of Gross Misconduct. The template informs the employee that their suspension will be kept to a minimum and is not an assumption of guilt nor disciplinary action. Finally it provides you to add in terms of the employee’s suspension to allow the investigation to be conducted impartially.

The ‘Terms and Conditions for Sale of Goods to Consumer via a Website’ template is used when you want to sell goods to a customer online using your website. It creates a formal and a legally binding contract between the buyer and seller. It provides the information about the seller and the product that they are selling. It also provides contact information of the seller and process of returns and refunds. It then explains the details of the order and how it will be processed and delivered. It also explains the warranty and limitation of liability. It finally explains the rights and obligations of the buyer and seller.

The ‘Terms and Conditions for Supply of Service to Consumer via a Website’ template is used when you want to provide services to a customer online using your website. It creates a formal and a legally binding contract between the buyer and seller. It provides the information about the seller and the service they are providing. It also provides contact information of the seller and process of returns and refunds. It then explains the details of how the service is provided. It also explains the warranty and limitation of liability. It finally explains the rights and obligations of the buyer and seller.

The ‘TUPE Contract’ template is used to create an employment contract with a staff member when they have been transferred from employer to another under TUPE transfer. This contract allows the employee to retain almost all of existing rights. This template provides you with a step by step guide to create a contract that specifies the rights and obligations of the employees and the employer. Finally, it also outlines important aspects of employment such as pay, benefits, holiday, sickness and termination.

The ‘Variation of Contract Letter’ template is used to add changes to an employment contract. These changes must be legally compliant and an employer must ensure they follow the right procedures. This letter sets out the proposed changes and the dates when these changes would be enforced.

The ‘Website Privacy Policy’ template is used when you have a website that consumers would be visiting. This policy is specifically designed to reassure consumers that any information collected about them would be handled in line with the Data Protection Act. This includes and is not limited to use of personal information, cookies, and browsing sessions. It also outlines the necessary security provisions in place to make sure that the data gathered remains secured.

The ‘Website Terms and Conditions’ template is used when you have a website that consumers would be visiting. These terms and conditions dictate how the website is used and what can and can’t be done by a visitor. It starts by outlining the usage of intellectual property and the acceptable use of it. It explains what constitutes as a prohibited use. It finally provides general terms and conditions that the consumers must be aware of when using the website.

The Withdraw CPA from a creditor template enables you to formally withdraw a CPA from your creditor. This is a crucial step to ensure that creditors won’t use your credit card details to extract monthly payments regardless of your difficult financial position.

The ‘Zero Hour Contract’ template is used to create an employment contract with a new staff member, usually for casual work. This contract is specifically used for staff members who would be required to work when needed however they do not have set number of hours or any future work guaranteed. This template provides you with a step by step guide to create a contract that specifies the rights and obligations of the employees and the employer. Finally, it also outlines important aspects of employment such as pay, benefits, holiday, sickness and termination.