Debt write off for mental health

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Hi all

has anyone managed to get debts written off due to the impact it is having on your mental health? If so, what process did you follow? Did you need to submit evidence to them as well or just you just write a letter explaining the affect it is having on your day to day living

thanks a lot 
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  • kimwp
    kimwp Posts: 1,849 Forumite
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    Are you unable to meet your debt payments?
    Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.php

    For free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.
  • Brie
    Brie Posts: 10,414 Forumite
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    A bank or other creditor may consider your mental health but it will be more on the side of were you capable of making a correct decision when the line of credit was offered to you.  Any of them should be willing to help you manage down debt at least temporarily perhaps by stop the use of the credit (revoke a credit card) or not charge interest while you find a solution.  

    In my opinion it will take a heck of a lot more than you simply writing a letter.  And I've never heard of anyone ever submitting evidence from a doctor or similar.  Sorry - I would guess that's not what you wanted to read.
    "Never retract, never explain, never apologise; get things done and let them howl.”
  • Jude57
    Jude57 Posts: 554 Forumite
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    If you're unable to meet your contractual payments to your unsecured debts there's likely to be other options than write-off. Creditors rarely write debts off without a lot of persuasion and evidence and, with respect, I have to ask you to consider whether your mental health is up to that level of persistence?

    Why not speak to one of the free debt advice charities mentioned at the top of this board or try StepChange's Debt Remedy online tool? No one will judge you but they will help you to find the solution that's best for you. 

    If going online for he, please use the links at the top of this board as web searches often bring up lookalike websites.
  • fatbelly
    fatbelly Posts: 20,672 Forumite
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    edited 20 June 2022 at 8:18AM
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    Newmum92 said:
    Hi all

    has anyone managed to get debts written off due to the impact it is having on your mental health? If so, what process did you follow? Did you need to submit evidence to them as well or just you just write a letter explaining the affect it is having on your day to day living

    thanks a lot 
    Start  with a letter, then see what they ask for.

    https://nationaldebtline.org/fact-sheet-library/write-debt-ew/

    https://nationaldebtline.org/fact-sheet-library/debt-and-mental-health-ew/

    Write-offs (or agreement not to pursue, amounts to the same thing) do happen, and I've negotiated a lot over the years. But each one has to be done individually and is time consuming. Most people just assume it will fail and so go straight for another strategy, and in many cases that's understandable. Nevertheless, best practice is to ask for write off first.
  • sourcrates
    sourcrates Posts: 28,987 Ambassador
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    edited 17 June 2022 at 3:06PM
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    Creditors/debt purchasers, will only write debts off under certain, quite specific circumstances.

    The term "mental health issues", can cover a multitude of very different scenarios, some issues can be short term, others more longer term, that can and will affect your earning ability going forwards, under those circumstances, if income has fallen, and you can`t work due to your condition, then writing off is a possibility.

    It all starts with a letter though, most lenders all have specialist care teams that deal with customers in this category, the first step would be for them to transfer all contact between you to there specialist team.

    Lets be clear, there are numerous ways to tackle problem debt, you will be treated sympathetically, but don`t be expecting miracles, only if your health is connected to your ability to earn, will they consider write offs, so mental health on its own won`t get you that result, however if you can`t work due to your health condition, then that goes a long way to support your claim, in all cases you will have to evidence how this is affecting you.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • kimwp
    kimwp Posts: 1,849 Forumite
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    Have you spoken to your GP?
    Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.php

    For free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.
  • Onebrokelady
    Onebrokelady Posts: 7,391 Forumite
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    I've had to cut my hours down to 22.5 a week due to ill health that effects me physically and no one is writing my debt off even though my income has dropped. I also suffer with depression but it's never been taken into account. I would think it's highly unlikely they would write anything off just for mental health problems to be honest 
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,080.1 Owed = £11,549.9
  • Newmum92
    Newmum92 Posts: 108 Forumite
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    fatbelly said:
    Newmum92 said:
    Hi all

    has anyone managed to get debts written off due to the impact it is having on your mental health? If so, what process did you follow? Did you need to submit evidence to them as well or just you just write a letter explaining the affect it is having on your day to day living

    thanks a lot 
    Start  with a letter, then see what they ask for.

    https://nationaldebtline.org/fact-sheet-library/write-debt-ew/

    https://nationaldebtline.org/fact-sheet-library/debt-and-mental-health-ew/

    Write-offs (or agreement not to pursue, amounts to the same thing) do happen, and I've negotiated a lot over the years. But each one has to be done individually and is time consuming. Most people just assume it will fail and so go straight for another strategy, and in many cases that's understandable. Nevertheless, best practice is to ask for write off first.
    Hiya, thanks very much for your advice the other day. I wrote to my creditors, one of them has replied so far and kindly agreed to write off my balance once I explained my circumstances. 

    Do I need to ensure anything else is done? I assume they can’t decide to chase me again for it in the future?

    They have emailed me this: 

    I’m writing further to our email below and wished to provide you with an update.

     

    We are pleased to confirm that the balance write off request has been approved.

     

    A letter confirming the partial settlement will be issued to you in due course, please note that the letter does state that we have received a payment but in this instance the payment will be £0.

     

    The team are ensuring that all of the appropriate actions are carried out to reflect the above agreement.

     

    Kind Regards

  • Newmum92
    Newmum92 Posts: 108 Forumite
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    Evening everyone

    a couple of my creditors have asked me to fill out the “debt mental health evidence form” with my GP. 

    Does anyone know how detailed it needs to be, does the gp fill it out for you or just sign it? My GP changes every time I have an appointment so not sure how much of a true reflection they are going to give. 

  • fatbelly
    fatbelly Posts: 20,672 Forumite
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    edited 25 June 2022 at 9:48AM
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    Newmum - that's a result. Well done. You can forget  that one now.

    The DMHEF is a standard form that you & your GP or other support worker* completes - I think it's linked to in my earlier links

    If not, it's here

    https://www.moneyadvicetrust.org/advice-services/dmhef/

    * could be social workers, nurses, general practitioners, psychiatrists, psychologists, occupational therapists, mental health therapists, or other health or social care professionals - the important thing is to use the professional who knows you and how your condition affects you, best
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