The actress says the incident happened at home after agreeing contracts on a new apartment in London.
She admitted she felt “terrified” over whether she could afford it leading to her having a panic attack.
Hayley, 41, said: “I broke down. For four hours.
“Oh my God I’m having a nervous breakdown, I thought.
“I cried until I felt like I was gonna pass out.”
She released the story earlier today as part of World Mental Health Day.
The Dancing On Ice winner says the panic attack started on a train from London to Manchester.
She said: “All these questions running round in my head led me to have a panic attack on a train.
“I controlled it until I got off. As I walked down the platform I walked quickly.
“Put my sunglasses on and fought back the tears. I got to my car and got in and locked the door and I gave myself a talking to, slowed my breathing down and drove home.”
Hayley, who played Del Dingle on Emmerdale and Andrea Beckett on Corrie, told her Twitter followers to get therapy like her.
She said: “Some of you reading this might think, ‘What have you got to be sad about?’
“Because I guess on the outside looking in I seem to have the world at my feet.
“I’m a fairly successful actress (I think) with a beautiful family and the best friends around me a girl could possibly want.
“And I’m healthy. I’m grateful. I’m ‘the strongest person I know’ or so my friends tell me.
“I’m a fixer. I fix people. I help people.
“If my friends have a problem they come to me. And I love that. I live to help others.
“But when I have a problem I feel like I need to try and fix it myself and not tell anyone I’m sad. (My friends are always having a go at me for this).
“But yet the advice I give to others is talk. Tell someone. Don’t suffer on your own.”
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