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Debt and mental health form

Patients who have a mental health condition may ask you to complete a Debt and Mental Health Evidence Form (DMHEF), which will act as evidence and support them in seeking help with their repayment of finances.

From 1 October 2019, a much shorter and simpler form has been introduced that can be completed by the following wider range of healthcare professionals:

  • social worker
  • mental health nurse
  • psychiatrist
  • psychologist
  • general practitioner
  • occupational therapist
  • mental health therapist.

All forms and accompanying guidance are available on the Money Advice Trust website.



Following a cross sector agreement to introduce an easier process, shorter form and a greater number of health care professionals to complete it, GPs in England can no longer charge a fee for completing the DMHEF.

The agreement was reached on the basis that an improved process would be implemented to allow patients to self-certify and seek support from a wider range of healthcare professionals, thereby reducing the burden on GPs to complete this.

The front side of the new DMHEF simply asks for the professional to confirm the indebted person has a mental health condition and to give the name of this condition. You may wish to also complete the back of the form, but there is no contractual obligation or expectation to do this. 

The DMHEF is accompanied by a consent form. Health and social care professionals should not complete the DMHEF without seeing a consent form from the indebted person giving their permission for this to happen.

There may be times when a more complex health report is required by a bank or other lender, and in those rare circumstances, those reports should be sought directly from the practice by a lender and the lender would pay an appropriate fee, not the patient.