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New Debt and Mental Health Evidence Form launched

A new version of the Debt and Mental Health Evidence Form (DMHEF) has launched today following a review conducted by the Department of Health and Social Care, along with the British Medical Association, Money and Mental Health Policy Institute, Money Advice Trust, UK Finance, the Credit Services Association and other key stakeholders.

Findings from the review informed the changes made to the new form (version four) and the process for using it.

Changes include a new simpler and shorter form and GPs in England no longer charging for completing the DMHEF, following the success of the Stop The Charge campaign led by the Money and Mental Health Policy Institute.

The DMHEF, which was first developed by the Money Advice Liaison Group, will now be hosted by the Money Advice Trust at

The DMHEF provides creditors with a way to collect external evidence about customer’s mental health situation to decide what support to provide. 

Creditors are being encouraged to look at alternative forms of evidence when assessing a person in debts mental health. 

Chris Fitch, Vulnerability Lead at the Money Advice Trust, who helped produce the first DMHEF, said:

“Ten years on from when the first DMHEF was introduced, many firms are having better conversations with customers about disclosed mental health problems.

“This means that a simple confirmation that a customer does have a mental health condition can sometimes be all that is needed to help decide what help to provide – a more straightforward process for both the firm and the unwell customer.

“As a result, this new DMHEF should be seen as one tool among many rather than the first and only tool to reach for.

“The news that GPs in England are no longer able to charge for completing the DMHEF is also welcome progress. This means that thousands of people will no longer be asked to find money that they simply do not have for the form to be completed.”
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