Who is responsible for the UK consumer debt mountain?

Consumers are to blame, no one else. Debt has arisen as the consequence of their actions, no one forces them to take on credit to purchase goods.

The Anglo-Saxon system of capitalism which emphasises Wealth Creation over long-term stability and equality...

Obviously everyone being equally poor and not in debt is a far better alternative.

Yes, because Sweden and Germany are amongst the poorest nations in the world...

Consumers are to blame, no one else. Debt has arisen as the consequence of their actions, no one forces them to take on credit to purchase goods.

The Anglo-Saxon system of capitalism which emphasises Wealth Creation over long-term stability and equality...

For starters, neither are anything approaching socialism (especially Germany, which has a completely different model). And more importantly, go look at both countries' growth rates over the last 15 years.

Thirded.

Consumers are to blame, no one else. Debt has arisen as the consequence of their actions, no one forces them to take on credit to purchase goods.

national debt is a source of prospertiy, it is a good thing. keeps the economy going.

Wow...some people really need to take some classes on different economic models. I said that one of the side-effects of the Anglo-Saxon Model of Capitalism (which is not capitalism, but a type of capitalism) was that there generally tends to be a lot of consumer debt, which has benefits, and drawbacks. The benefits being that it fuels the economy, the drawbacks being the day that everybody realises they economy is being fuelled by make-believe money.