Can I cancel something I’ve done when I’m 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.

Capacity means the ability to use and understand information to make a decision, and communicate any decision made. Find out more.

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.

There is guidance on how banks should act with people lacking mental capacity. We explain what these guidelines are.

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.

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.

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.