I don't feel that it's fair to assume that the GP is "stigmatising mental illness" and "dismissing" OP's difficulties. Whilst that IS one possible explanation, it's probably more likely that the local CMHT service is under so much pressure that they're restricting their criteria in order to stay afloat. It's certainly happening across the country with all sorts of services within the NHS, and especially in mental health, and child mental health (CAMHS) even more so.

In the past a ?bipolar referral letter used to get you into a CMHT, but maybe it's not enough in the current climate. Maybe OP's GP needs to 'sell' their need for MH services a bit better? Maybe OP needs to 'sell' their need to the GP more and encourage them to write the referral letter anyway, or re-word it if already done so, or ring the CMHT to find out what criteria need to be fulfilled and if OP should qualify.

The system is designed for GPs to be 'gatekeepers' because they are equipped with the knowledge and skills to deal with 90% of medical issues. It is a waste of resources for Joe Public to randomly decide they need to see a specialist and book that etc because often they don't. When they do need secondary input, it is then the GPs job to advocate for patients to help them get that input.

Private care is a lot, and it's perfectly fine to say to the GP that you can't afford it, and it is your right to get the NHS treatment that you need (although I have no idea why another poster is talking about paying 60% tax??! It's certainly not that much!) If OP thinks the GP is good, then go back and talk to them about this again, but if you have doubts, see if another GP will advocate for you better.

I wish you all the best getting help. It's not easy with our Govt so determined to destroy our health service.

*Willow*