DMHEF & 15 LETTERS FROM PSYCHIATRISTS AS SEVERE MENTAL ILLNESS and huge debt

Terrifiedindebt03

I posted the other day about building huge amount of debt over time CC and Loans to value of £57k 
Suffering 20years of  CPTSD, MAJOR DEPRSSIVE DISORDR AND ANXIETY - When deep in episodes I overspent and also applied for Credit Cards and loans impulsively.
As my mental state got worse so has income. I paid minimum payments but I can't now. CaB have worked out I have £101.33 left to pay between all debts 
My debts now stop me leaving the house because of fear of debt collectors ( I got advice on here about them) but CAB ADVISOR asked for this debt form to be filled out - after 3 months of begging psychiatrist to fill it in they have badly - being very vague eoth terms like very complex presentation trauma etc - so my husband collected 15 psychiatrist letters dating back 13 years with full diagnosis- My debt advisor wants to request write off ( although I would pay the £101 a month ) 
Is this enough evidence for creditors my anxiety is causing my brain into overdrive - to very dark place - crisis team tomorrow for flashbacks and night terrors of debt collectors who are my violent ex coming to house.  At lowest point in years 
How long for a reply to write off request or accept payment offer? 
Sorry if I don't make sense my head is so full of fear 

SkyChild

Didn't want to read and run, though I don't know enough to be able to answer whether it's enough evidence for creditors. 
Take a deep breath. You are not alone - on here or (it sounds like) in the real world. Your husband is helping, your psychiatrist is helping. Hopefully someone with a better knowledge of how this works can answer as to timescale, but for now, just breathe. 

StepChange_Aidan

Terrifiedindebt03 said:

I posted the other day about building huge amount of debt over time CC and Loans to value of £57k 
Suffering 20years of  CPTSD, MAJOR DEPRSSIVE DISORDR AND ANXIETY - When deep in episodes I overspent and also applied for Credit Cards and loans impulsively.
As my mental state got worse so has income. I paid minimum payments but I can't now. CaB have worked out I have £101.33 left to pay between all debts 
My debts now stop me leaving the house because of fear of debt collectors ( I got advice on here about them) but CAB ADVISOR asked for this debt form to be filled out - after 3 months of begging psychiatrist to fill it in they have badly - being very vague eoth terms like very complex presentation trauma etc - so my husband collected 15 psychiatrist letters dating back 13 years with full diagnosis- My debt advisor wants to request write off ( although I would pay the £101 a month ) 
Is this enough evidence for creditors my anxiety is causing my brain into overdrive - to very dark place - crisis team tomorrow for flashbacks and night terrors of debt collectors who are my violent ex coming to house.  At lowest point in years 
How long for a reply to write off request or accept payment offer? 
Sorry if I don't make sense my head is so full of fear 

Hi,

I’m sorry to hear about how you’re feeling.

I can see that you’ve already had a lot of good advice in the other thread – Please remember that your health and your ongoing living costs are much more important than repaying the debts right now.

You’ve mentioned that CAB/Advice NI are supporting you in requesting write offs. Each creditor will have their own approach, so we can’t say for certain what will be accepted as evidence but in any case, they should be more considerate in the way that they deal with you once you’ve made them aware of any mental health issues. It may take some time for them to respond, but in the meantime please don’t feel pressured into paying more than you can afford.

There’s some more information on the Debt and Mental Health Evidence Form (DMHEF) here.

Kind regards,

Aidan

Terrifiedindebt03

StepChange_Aidan said:

Terrifiedindebt03 said:

I posted the other day about building huge amount of debt over time CC and Loans to value of £57k 
Suffering 20years of  CPTSD, MAJOR DEPRSSIVE DISORDR AND ANXIETY - When deep in episodes I overspent and also applied for Credit Cards and loans impulsively.
As my mental state got worse so has income. I paid minimum payments but I can't now. CaB have worked out I have £101.33 left to pay between all debts 
My debts now stop me leaving the house because of fear of debt collectors ( I got advice on here about them) but CAB ADVISOR asked for this debt form to be filled out - after 3 months of begging psychiatrist to fill it in they have badly - being very vague eoth terms like very complex presentation trauma etc - so my husband collected 15 psychiatrist letters dating back 13 years with full diagnosis- My debt advisor wants to request write off ( although I would pay the £101 a month ) 
Is this enough evidence for creditors my anxiety is causing my brain into overdrive - to very dark place - crisis team tomorrow for flashbacks and night terrors of debt collectors who are my violent ex coming to house.  At lowest point in years 
How long for a reply to write off request or accept payment offer? 
Sorry if I don't make sense my head is so full of fear 

Hi,

I’m sorry to hear about how you’re feeling.

I can see that you’ve already had a lot of good advice in the other thread – Please remember that your health and your ongoing living costs are much more important than repaying the debts right now.

You’ve mentioned that CAB/Advice NI are supporting you in requesting write offs. Each creditor will have their own approach, so we can’t say for certain what will be accepted as evidence but in any case, they should be more considerate in the way that they deal with you once you’ve made them aware of any mental health issues. It may take some time for them to respond, but in the meantime please don’t feel pressured into paying more than you can afford.

There’s some more information on the Debt and Mental Health Evidence Form (DMHEF) here.

Kind regards,

Aidan

Thank you Aidan, it took my PSYCHIATRIST 9 weeks or harassment to full in the Dmhef so I think he did it in a hurry and put vague answers in thr boxes ,which is why we collected his letters with full diagnosis and medication on them from my doctor so I have all that plus original form to send in as proof. 
Currently totally Overwhelmed so will step back a few days to ease my anxiety.

Terrifiedindebt03

SkyChild said:

Didn't want to read and run, though I don't know enough to be able to answer whether it's enough evidence for creditors. 
Take a deep breath. You are not alone - on here or (it sounds like) in the real world. Your husband is helping, your psychiatrist is helping. Hopefully someone with a better knowledge of how this works can answer as to timescale, but for now, just breathe. 

Thank you, it took my PSYCHIATRIST 9 weeks or harassment to full in the Dmhef so I think he did it in a hurry and put vague answers in thr boxes ,which is why we collected his letters with full diagnosis and medication on them from my doctor so I have all that plus original form to send in as proof. 

Currently totally Overwhelmed so will step back a few days to ease my anxiety