MoneySaving Poll: Does mental health affect your debts?

A question about : MoneySaving Poll: Does mental health affect your debts?

Poll started 6 May 2014

We're updating our research on links between mental health issues & debt problems. It's argued either one can cause the other. If you've been affected, see our Mental Health and Debt guide.

Does mental health affect your debts? Please exclude mortgages and student loans from definition of debt.

I (and my partner) have NEVER had mental health problems
NEVER been in debt
Only ever had limited debts
Bigger debts, but not a problem
Severe or crisis debts

I (or my partner) HAVE / HAVE HAD mental health problems
NEVER been in debt
Only ever had limited debts
Bigger debts, but not a problem
Severe or crisis debts

Vote in this week's poll

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Best answers:

• My husband is currently under Stepchange due to him spending on credit cards due to him having Schizophrenia. I'm pleased to say his credit rating is ZERO now so hopefully he can't get any more credit that way but I worry about the 'Wonga' type places.
• Do you include 0% credit cards where you've got enough saved earning interest to cover the amount borrowed as 'debts'? (technically they are)
• The question is so badly worded, I don't know how to answer it. Anyone who has ever had a mortgage has had big debts. So I really ought to tick the "bigger debts, but not a problem" option. But I don't think that is what the poll writer intended.
• I assume 'debts' does not include mortgages?
• You can - with the person's permission - get notes put on credit reference agencies advising that the person should not be offered any credit facilities at all, this helps people with mental health problems who sometimes cannot stop themselves from taking out credit that they will later regret.
• To an extent yes, but thast doesn't help with existing borrowing facilities and also sadly doesn't help when they have transitory problems which many mental health issues are.
• I suppose I'm "lucky" in a way; my General Anxiety Disorder includes a total phobia of debt. The very idea of owing money - even a couple of quid - makes me go cold all over.