A BRADFORD-based debt charity says February 9 is the real Blue Monday as it expects calls to peak on that date at its 270 debt counselling centres.

Christians Against Poverty, which offers debt advice in Bradford and Heaton, has already received 479 calls for debt help in the post-Christmas rush. In both Bradford centres there is a waiting list to be seen.

The national charity receives the most calls for debt help on the second Monday in February, which this year is February 9.

“Every week the busiest day for debt help calls is a Monday, when people have had time over the weekend to resolve to seek help,” said Central Bradford Centre manager Jo Edwards, who is based at The Light Church in Jermyn Street.

“We see a rise in calls during January and February because most people can’t face tackling their finances before Christmas. When these two elements come together, we see our busiest time. As our reach extends to more areas, with more debt coaches, we are set to see more people,” said Central Bradford Centre manager Jo Edwards, who is based at The Light Church in Jermyn Street.

Recent research by CAP has shown that people often struggle for years with personal debt following income changes caused by events such as losing a job or a relationship breakdown.

She added: “Four in ten people believe that no-one can help them with their debts, according to some research we’ve done. It can feel like you’ve hit a brick wall but we see ‘impossible’ situations where people get their debts cleared. There are people to help and it can get sorted, however complicated or dire it seems.”

Anyone calling CAP for help will be booked in for a home visit, and shown a way forward out of debt based on their particular circumstances. Outstanding bills and letters from creditors are sent on to CAP’s head office in Bradford, and the charity negotiates with each creditor to enable a budget to be drawn up, so the person can begin to repay what is owed.

Call CAP on 0800 328 0006 or visit capuk.org. If they haven’t got an appointment available, they will still be able to offer advice on the best way forward.