US / U.K. Consumer Debt

[Joma]

As we are discussing a soft landing / hard landing scenario let´s take a look at consumers :

U.K. Bankruptcies Soar as Loans, Card Debt Top $6,800 a Person
http://www.bloomberg.com/apps/news?pid=newsarchive&sid=a1oL1.Wlic80

and

Experts Predict Rise in Credit Card Delinquencies, Bankruptcies
http://press.arrivenet.com/society/article.php/889662.html

Today´s retail sales numbers are telling us a different story, or ?