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Over the last 10 years, recognising the increasing incidence of debt problems and mental health conditions and the way in which these can have a reciprocal impact, the Money Advice Liaison Group (MALG) has set up the MALG Mental Health Working Party to investigate the issues and undertake important work in this area.

The 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

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), and the use of the form is currently overseen by MALG. The form can be used by healthcare professionals, money advisers and creditors to more effectively evaluate people’s circumstances and arrive at informed decisions.

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