Debt and mental health: how creditors must treat you
At a glance
- Debt and poor mental health often feed each other — you are not alone.
- Creditors regulated by the FCA must treat customers in vulnerable circumstances fairly.
- A Debt and Mental Health Evidence Form (DMHEF) lets your GP or care team explain your situation.
- Ask creditors to hold action while you get help.
What to tell creditors
- Let them know your mental health is affecting how you deal with money.
- Ask them to pause collection and to contact you in the way that suits you.
- Ask a debt adviser to request a DMHEF on your behalf.
If you feel unsafe
- Call 999 or go to A&E if you are in immediate danger.
- Call Samaritans free on 116 123, any time.
- Text SHOUT to 85258.
Common questions
- Do I have to pay for a DMHEF?
- Health professionals should not charge for the form when a debt adviser requests it.
Useful links
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