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Can a bank lend to me when I am unwell?
If you are unable to make a decision for yourself, this is called ‘lacking capacity’. If you get a loan and the bank knew or should have, you may not have to pay the money back.
What does ‘capacity’ mean?
Capacity means the ability to use and understand information to make a decision, and communicate any decision made. Find out more.
Free help is available
If you got a loan when you lacked capacity, you should get advice as soon as possible. We list a number of free advice services to help you.
Should the bank protect me?
There is guidance on how banks should act with people lacking mental capacity. We explain what these guidelines are.
What if I have a debt I cannot pay?
We list a number of options available to you If you're struggling to repay a debt and are unwell due to a mental health illness.
How can I complain?
If you are not happy about the way you have been treated by a lender, you can complain. Find out the best way to make a complaint about your lender.
Can I return things I bought when I was unwell?
Buying things when you're mentally unwell can create a lot of stress and anxiety later on. Find out if there's a way you can get your money back.