We know from our 20 years of experience working with those in financial difficulty that debt and mental help are meticulously intertwined. In fact, one third of our clients thought about or attempted suicide as a way out of their debt problems. We therefore read the Money and Mental Health Policy Institute’s (MMHPI) consultation paper with great interest. The consultation paper explores the six primary psychological drivers of increased spending, as well as offering potential remedies, which we were able to provide comment on. Read our full response below.