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Debts and despair

5.2 million people are behind on consumer credit payments. Half of them (49%) feel harassed by the volume of contact they receive from their creditors. This is unnecessary distress at a time when 50% of people behind on bills say they have felt suicidal due to the rising cost of living.

Our Debts and despair report explores this issue in more detail and sets out our recommendations for breaking the link between debt collection and psychological harm.


*Suicide is not inevitable, it is preventable. Financial problems can always be resolved. If you or someone you know is struggling with suicidal feelings, financial difficulties or mental health problems there is advice and support out there.*

“To be in debt and to have people calling up to fifteen times a day, to have your voicemail full, to have the postman open your letterbox with even more debt letters with even more threats – is too much for anyone. You think your life isn’t worth living.”

Expert by experience

LatestBest practiceEventsNewsBlogsPublicationsPress Releases
Policy positions

Money and Mental Health’s submission to Ofgem’s call for input on affordability and debt in the domestic retail market

Money and Mental Health raise the factors that contribute to people with mental health problems being more likely to be behind on their energy bills and what actions the government, Ofgem and energy companies need to take.

May 15, 2024
cost of living crisis

My experience: the vicious cycle of money and mental health problems

Rob Smale, coaching consultant and Research Community member

May 14, 2024
Press Releases

Money and Mental Health response to FCA’s new cost of living survey

April 10, 2024


Access to debt advice

The needs of people with serious mental health problems.

April 02, 2024
cost of living crisis


An article by Callum Mason in iNews covering our latest report, Always on your mind, featuring our Research Community member Rob.

March 20, 2024
Best practice

Best practice checklist: Debt advice providers

Half of people in problem debt have a mental health problem. This checklist sets out how debt advice providers can make their services more accessible for people with mental health problems.

July 29, 2020

Latest publications

Impact Report 2023

Celebrating our achievements in 2023 and looking ahead to the coming year.

Access to debt advice

The needs of people with serious mental health problems.

Always on your mind

Preventing persistent money and mental health problems.

No place like home

Supporting people with mental health problems in mortgage difficulty.

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