Debt and Mental Health Evidence Form or DMHEF

Debt and Mental Health Evidence Form or DMHEF is a form that allows your creditors to see whether you are suffering from any mental health issues.

DMHEF keeps your creditors informed about your mental health findings from your doctor or health care professional. This is of course with your consent. Presenting this form to your creditors may help them consider or arrange special measures due to your circumstances.

You can give this blank form to a health care professional to complete:



Once you’ve presented the completed form to your creditor, they must make appropriate changes in collecting the debt. This is done in consideration of your case. Based on your experience creditors are likely to consider and be more sympathetic to your situation if they’ve got a detailed and well completed DMHEF form.

Moreover, you must also complete a consent form if you wish a health care professional to fill in your DMHEF form. This form ensures that you are grateful for having them completed your medical details to be sent to your creditors.

Consent Form


Both the DMHEF and the consent form have been accepted and approved by the Information Commissioner’s Office and display the Plain English Campaign’s, Crystal Mark. It’s also distinguished by the FCA, the company that manages the credit industry.

If you’re struggling with debt while having mental health issues, we can help. Our debt experts will give you free advice online or over the phone, depending on your circumstances.

Guide in Completing Debt and Mental health Evidence Form

  1. The first step is to complete and sign a consent form.
  2. You must then give this consent form, along with a blank copy of the DMHEF, to either your GP, or another qualified professional who is able to give detailed advice on your mental health problems. This could be a nurse, psychologist, psychiatrist or social worker.
  3. You should ask the professional to complete the full DMHEF in full and return it to you. The DMHEF must be stamped by the professional, otherwise it is not able to be used.
  4. All the questions on the form should be completed in full, but question 4 is particularly important:

Can I Write Off My Debt through A Completed Debt and Mental Health Evidence Form?

The truth is it’s rare for creditors to write off your debt when you present a DMHEF form. However, they can be more considerate and sympathetic towards collecting your debt. Moreover, they may have special consideration in place for you.

Do I have to pay for a DMHEF?

Previously, the fee for completing a DMHEF form amounts up to £100. In February 2019, the government declared that this must not be tolerated and has to stop. Though it is expected that the costs for completing the DMHEF form will vanish, some GP still imposes charges to complete the form.

If you wish to shun spending for a DMHEF fee, you can ask a psychology professional such as a mental health nurse or a psychiatrist to complete the form instead. However, this may depend if you’re currently in contact with any either of these professionals.

Free Debt Help if You have Mental Issues

If you’re currently struggling to pay off your debts while dealing with mental health problems, you can reach us for free debt advice. The more you relay to us your circumstances the more we can find a way to help you out. We can determine whether you need a DMHEF or not. Also, we can send a copy of the form when necessary. We can do this via email, or post. You don’t have to worry since the information is kept confidential and we will guide you on how you can complete the form.