Money Advice Liaison Group Logo


Recognising the increasing focus on the way in which debt problems and mental health conditions can have a reciprocal impact over recent years, the Money Advice Liaison Group (MALG) has been investigating the issues and undertaking important work in this area.

The main result of the Working Party’s efforts has been the MALG Good Practice Awareness Guidelines for Helping Consumers with Mental Health Conditions & Debt, launched in March 2015. This is the third edition of this document, first published in November 2007, with a second edition published in 2009. MALG is a non-policy making body and the Guidelines could not be imposed on either the advice or creditor sectors. However, the document has been acknowledged by the Financial Conduct Authority (FCA) in their Consumer Credit Sourcebook and approved by the Information Commissioner’s Office (ICO) and the Financial Ombudsman Service (FOS). This document has also been included in a number of creditor trade body Codes of Practice.

Debt and Mental Health Evidence Form (DMHEF)

In November 2012 the latest version of the Debt & Mental Health Evidence Form (see links below), an integral part of the Guidelines, was launched.  The form was developed by MALG and Chris Fitch at the Royal College of Psychiatrists (now at Bristol University Personal Finance Research Centre). The form can be used by healthcare professionals, money advisers and creditors to more effectively evaluate people’s circumstances and arrive at informed decisions. Below is a set of answers to Frequently Asked Questions (FAQs) for all users of the form and further specific guidelines for creditors and advisers with downloadable forms for each.

Debt & Mental Health Evidence Form Frequently Asked Questions (FAQ)

The Debt & Mental Health Evidence Form for Creditors

The Debt & Mental Health Evidence Form for Advisers (Case Work)

The Debt & Mental Health Evidence Form for Advisers (Assisted Self-help)

Other useful debt and mental health documents