Here's the latest UK Sectoral Statistics. The Household sector continues to net borrow and the corporate sector continues to net save. The RoW is now saving less in Sterling per quarter than they were earlier in 2015. The five sector chart shows the household/corporate distinction much more clearly. The household sector is now into its third year of borrowing more than it is saving in aggregate, and the level of borrowing from other sectors continues to increase. The household sector is now 28% of the overall 'deficit' from the deficit sectors. The pattern continues as the corporate sector prefers to hoard rather than invest and the government tries to push debt onto the backs of the household sector.
Next quarter we get the Q4 stats, which includes Christmas. So we'll see how much of Christmas was on credit cards.
Source: Office of National Statistics, tables RPYH, RQAJ, RQBN, RQBV, RPYN, RPZT, RQCH, DJDS (Seasonally adjusted Net Lending/Borrowing per sector plus residual error) and YBHA (Gross domestic product at market prices, seasonally adjusted). Data and calculations are available online