Debt & Mental Health Support Hub (UK)
You're not alone. Understand your rights and find the support you need when managing financial difficulties alongside your mental health.
Your Rights with Creditors
Financial regulators in the UK have established clear rules to ensure people with mental health conditions are treated fairly. Knowing your rights is the first step to getting the support you deserve.
FCA Vulnerability Guidance (FG21/1)
The Financial Conduct Authority (FCA) requires firms to treat vulnerable customers fairly. This means they must communicate with you in a way you understand, provide appropriate support, and avoid causing foreseeable harm. Your mental health condition is a valid reason to be considered a vulnerable customer.
The Equality Act 2010
If your mental health condition is long-term and affects your day-to-day life, it may be considered a disability under the Equality Act. This means creditors have a legal duty to make 'reasonable adjustments' for you, such as changing how they communicate or altering payment plans.
The Breathing Space Scheme
This government scheme can give you legal protection from creditor action for up to 60 days. If you're receiving mental health crisis treatment, this protection can last for the duration of your treatment plus 30 days. During this time, interest and charges are frozen, and enforcement action is paused.
Vulnerability Protection Letter Generator
Generate a formal letter to notify your creditor of your vulnerable circumstances and request appropriate support under FCA regulations.
After generating a letter, you can monitor its status and log responses from your creditors in the Letter Tracker.
Go to Letter TrackerWhere to Find Help
If you are in distress or need immediate support, please reach out. These organisations offer free, confidential help.
Samaritans
For anyone struggling to cope, who needs someone to listen without judgement or pressure.
Call: 116 123 (24/7)StepChange Debt Charity
Free, expert debt advice and solutions to help you manage your debts.
Call: 0800 138 1111NHS Urgent Mental Health Helpline
For 24-hour advice and support for you, your child, your parent or someone you care for.
Find a local helplineLast Updated: January 2025
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