Total UK personal debt at the end of July 2011 stood at £1,451 billion, debt charity Credit Action has reported.

The 12-month growth rate increased 0.1 percentage points to 0.9%. Individuals currently owe nearly as much as the entire country produced between Q2 2010 and Q1 2011, the debt charity added.

Total lending in July 2011 rose by £0.9 billion secured lending increased by £0.7 billion in the month consumer credit lending increased by £0.2 billion (total lending in Jan 2008 grew by £8.4 billion).

Total secured lending on dwellings at the end of July 2011 stood at £1,242 billion. The 12-month growth rate increased 0.1 percentage points to 0.8%.

Total consumer credit lending to individuals at the end of July 2011 was £209 billion. The annual growth rate of consumer credit remained at 1.7%.

UK banks and building societies wrote off £8.0 billion of loans to individuals in the 4 quarters to end Q2 2011. In Q2 2011 they wrote off £2.06 billion (£1.15 billion of that was credit card debt). This amounts to a write-off of £22.54m a day.

Average household debt in the UK is £8,055 (excluding mortgages). This figure increases to £15,491 if the average is based on the number of households who actually have some form of unsecured loan.

Meanwhile, average household debt (including mortgages) in the UK is £55,814.