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Set up to fail

100,000s of people experiencing high level mental distress may struggle to get the support they need from loved ones to manage their Universal Credit account and avoid sanctions. This is due to needless flaws in the system which make it too hard for people to nominate a family member or friend to help them with their claim.

We’re calling on the government to ensure that everyone can get the help they need with Universal Credit and that no-one is cut-off during the cost of living crisis.

Find out more about our campaign here.

“Struggling financially while on benefits… put a huge amount of strain on me. Life was just so hard. All the time.”

Expert by experience

LatestBest practiceEventsNewsBlogsPublicationsPress Releases
Barnsley Street Neighbourhood Mental Health Centre sign.Health system

Field trip! How Neighbourhood Mental Health Centres can help break the link between financial difficulty and mental health problems

Francesca Smith, Senior Research Officer, Money and Mental Health

September 24, 2025
Policy positions

Money and Mental Health respond to the Ministry of Justice’s consultation on the regulation of the debt enforcement sector

Money and Mental Health respond to the Ministry of Justice’s consultation on the regulation of the debt enforcement sector

July 18, 2025
Benefits

The Mirror

The Mirror talks to Research Community member Tania about her experience with the DWP

July 17, 2025
Press Releases

Government treatment of over 1 million people who have been overpaid benefits is “reminiscent of carers’ allowance scandal”, warns Martin Lewis’s charity

July 17, 2025

Debt

Nothing personal

Exploring the psychological harm of national government debt collection.

July 17, 2025

Latest publications

If I needed someone

Improving access to third party financial tools for people with mental health problems.

Who’s in?

Financial inclusion that delivers for people with mental health problems.

Fairer finances

Improving financial services for people with mental health problems from minoritised ethnic groups.

Nothing personal

Exploring the psychological harm of national government debt collection.

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