In this brief blog, we will discuss the debt and mental health evidence form. Dealing with debt when you have mental health issues can be incredibly stressful and painful. Luckily in the UK, the financial regulator who regulates creditors insists on creditors treating customers fairly. This means if there is a consumer who is suffering with mental health issues and has some debt you can expect much more care to be given when dealing with the matter.

What is a debt and mental health evidence form?

Debt & Mental Health Evidence Form is a form which you can give to your creditor with information from your doctor about your mental health. The debt and mental health evidence form should allow the creditor to look more favourably on you when considering your debt.

  • This could mean reducing the debt you owe.
  • Reducing how much you have to pay back.
  • Reducing your monthly repayments.
  • Cancelling the debt in full.

The Debt and Mental Health Evidence Form (DMHEF) is a standard form which you doctor, a mental health expert or social services can fill. This form is then passed on to your creditors directly or through the advisor assisting you with your debts.

Can you get debt written off due to mental health?

In some cases, you can get your debt written off due to your mental health. Some creditors may reduce the amount you have to pay or even cancel the debt in full.

You can download a debt and mental health evidence form here.

If you are suffering from depression, anxiety, loneliness or any similar mental health issue then seeking help for it may be a good option. Mental health issues such as depression, loneliness and anxiety can affect anyone of us.

If you are under 18 then CAMHS, an NHS run programme may just be the answer for your mental health struggles.
You should look to see if you meet the CAMHS referral criteria and then fill in the CAMHS referral form.

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