What’s the debt and mental health evidence form (DMHEF)?
The debt and mental health evidence form (DMHEF) is a form that can help your creditors to understand any mental health issues you may be experiencing.
It allows creditors to receive information about you from your doctor or health professional with your consent. It may mean that your creditors are more considerate of your personal circumstances when contacting you about your debts.
Once your creditor receives your completed form, they must make appropriate adjustments to their collections process, and take your specific case into account. In our experience most creditors show more understanding if they receive a detailed and well-written DMHEF.
If you want a health professional to complete a DMHEF for you, you’ll also need to complete a consent form. This form confirms that you’re happy for them to send on your medical information to your creditors.
The DMHEF and the consent form have been approved by the Information Commissioner’s Office and carry the Plain English Campaign’s Crystal Mark. It’s also recognised by the FCA, the organisation that regulates the credit industry.
If you have a mental health problem and you’re struggling with debt, we can help. Our team of experts can offer free advice online or over the phone, based on your situation.