Decline Letter Generator
Create empathetic, compliance-aware decline wording for IFAs, brokers and regulated firms.
Compliance note: Professional-use tool only. Outputs are working drafts for adviser review and are not tax, legal, investment, pension, mortgage, insurance, regulatory or financial advice. Verify all figures, assumptions, deadlines and wording against current HMRC, FCA, Companies House and professional-body requirements before using with a client.
Hi Client, Thank you for speaking with us and for sharing the details of your situation. After reviewing the information provided, we are sorry that we do not believe the service would be appropriate for your circumstances based on the information currently available. For that reason, we will not be able to proceed with this enquiry or provide a recommendation. This decision is not a judgement on you or your objectives. It simply reflects the limits of the service we can responsibly provide based on the information and circumstances available to us. NEXT STEPS You may wish to speak to another authorised adviser or contact MoneyHelper for general guidance. If you believe we have misunderstood anything material, please let us know and we can review the position. If you are unhappy with how your enquiry has been handled, you can ask us for a copy of our complaints process. Kind regards, Your firm Compliance note for adviser: This is a working draft, not a determination that the wording is FCA-compliant. Check the final wording against the client file, vulnerability notes, DISP/complaints implications, financial-promotion rules, permissions, product-specific rules and your firm's approved templates before sending.