The Debt and Mental Evidence Forms are terrible. The design of them, the length you have to go to figuring out which form to fill out and who to send it to. It took me far longer than it should to work out what was going on. Luckily now that I have, hopefully I’ll save you a headache.
What is the Debt and Mental Health Evidence Form (DMHEF)?
The forms are designed so you can let your creditors know about your mental health issues. With that information your creditors are able cater their service to any needs you might have. There are two forms: the Debt and Mental Evidence Form and a Consent Form.
Do you need to complete the DMHEF?
It’s important to know whether you actually need to take the trouble to complete these forms. Most of the time you’ll be submitting these forms on the instruction of a debt management provider, or your creditors themselves.
Follow what they have to say. Most of the time they’ll deal with all the paperwork themselves.
How to complete the DMHEF
The first thing you need to know: you do not complete the Debt and Mental Evidence Form yourself. This form should be completed by a social or health professional. The form gives the following professionals:
- Social worker
- Mental health nurse
- General Practitioner
- Occupational therapist
- Mental health therapist
You should find one of these professionals and provide them with three things.
- A blank Debt and Mental Evidence form
- A signed and completed health form
- A stamped self addressed envelope
When the completed DMHEF is returned to you, you should fill in your creditors name and account number. If you want to send the form to more than one creditor, you can make copies of the form before filling in the organisation and reference number section.
What to do if the professional is asking for a fee
There’s been a campaign to stop health and social professionals for charging a fee for completing this form. In February 2019, the government announced that this practice should stop. Unfortunately, there are still reports of people asking for a fee. If this happens to you try explaining the following:
The fact you need to complete this form demonstrates you can’t afford a fee
The form could greatly help your mental wellbeing.
What can the DMHEF do for you?
Since 2008 and the financial crisis, there’s been a vast improvement in how creditors service customers living with mental health issues. Depending on your circumstances they might agree to the following:
Indefinite hold: this is where the creditors agree to not chase you for the payments any longer. However, the debt will remain on your credit file.
Breathing space: this is where your creditors agree to stop chasing you for payments for an agreed amount of time.
Write off debt: this is where the creditors agree to write off all debt and remove it from your credit file.
Using a debt management provider
Securing some of the outcomes I’ve just mentioned isn’t easy. It’s often much easier doing this through a debt management company. They already have relationships with creditors and can help manage the communication between you and your creditors - including letting them know about your current mental health status.