2.6.2 Bad news letters/memos - eg declining a credit application
We cannot always say 'yes' in our written communication but saying 'no' does not mean that the relationship between the receiver and the sender needs to be damaged. When you give bad news, such as refusing credit, the reader may feel that you are making a comment on your opinion of them and exercising your power over them. They may have difficulty understanding and accepting your rejection. You would obviously have good reasons for making your decision and this structure is designed to help the reader to understand your reasons.
1. Neutral comment
- indicates some form of agreement which is very general and will not alienate the reader
- let the reader know the subject of the letter to add meaning to later information
- don't imply yes or no
Avoid:
- implying that the request will be granted or it could be a bigger letdown
- signaling rejection at this point
- using negative words (will not, cannot, unable)
2. Explanation
Give your reasons for the decision (note that reasons precede denial). You will always have good reasons or you would not have made the decision to deny the request. This will increase the chance of the reader understanding and accepting your reasons.
Avoid:
- being overly apologetic. There is no need to apologise as your decision is based on sound business reasons.
- falling back on company policy as this lessens your status
- talking down to the reader
- being so general that the reason does not relate to the denial
If possible, emphasise reasons that might benefit the reader.
3. Refusal
- this should flow logically from the reasons
Avoid:
- emphasising the refusal any more than is necessary
- structuring the letter so the refusal stands out; for example, at the top of the second page
- making a direct negative statement of refusal
- being personal; for example, poor - 'I deny your application.' It is better to write: 'Credit is denied'.
4. Positive ending
- try to regain good feeling
- suggest an alternative if it is possible
- show the reader you remain interested