What are the consequences of Quantative easing?

QE may have held off initial problems with the banking industry, but no where else.
Here are the facts:
1. Banks borrow this money at 0.5% and it shows a huge profit on their Balance Sheets and to the shareholders. This improves the bonuses!
2. Banks overdrafts are ranging from 18-30%
3. Personal Loans are ranging from 8.9%(very little) to 14.9%
4. Bank Credit cards are charging between 24% to 35%
5. Small to Medium sized companies are not getting the loans promised by the government and they do nothing
6. Large businesses are hoarding their cash. This is why the Stock Market is so strong
7. Banks have generally stopped lending no matter what they say.
8. The economy in the UK cannot get going strongly unless there is money
9. Stg 325 bln into the system, but where has it gone? as I said above, to the banks

So basically, the whole thing has been a whitewash.
However, watch the bleating 2 years down the road when inflation starts to grow fast!
No doubt it will be blamed on the consumer for spending money, or having too much in savings.
And they wonder why?