Desperate requests from residents for advice on dealing with debt have risen dramatically in the last month and are set to continue, according to the Citizens' Advice Bureau (CAB).
Ellie Lawrence, spokes-woman for Hillingdon CAB, reported an increasing number of visitors to the branches in Hayes, Uxbridge and Ruislip.
She said the Hayes branch saw about 120 people seeking financial or debt advice during drop-in sessions on
Tuesday and Thursday, while Uxbridge saw about 50 on Wednesdays and Ruislip, which opens on
Thursdays, about 15. According to Barry Evans, who works alongside Ms Lawrence, the financial outlook remains bleak.
He said: "The number of visitors used to change very little year on year, but currently it is changing month on month.
"Nothing can stop people spending at Christmas, but ultimately they will pay the price in January when seasonal positions close and jobs are scarcer."
Meanwhile, M 4 Money, a credit union offering financial aid, saw calls double this last month.
Director Graham Tomlin said Christmas worries were top of the list.
"People need to be wary of using store and credit cards, and be aware of the dangers of going to a doorstop lender, who will offer a typical APR of 183 percent," he said.
"My advice is to try and pay at least something to each debt, just to keep the wolf from the door.
"With Christmas coming up, people can save cash by taking advantage of store multi-buys or buying pre-owned computer games for the kids."
M 4 Money is currently offering anyone who is unemployed or on benefits a £500 loan with a 26 per cent APR, subject to status.
* For more information and advice, call 020 8573 8010.