Quote: Lord Elpers "With regard to the Labour - they were routed by a party further to the left in Scotland and in England/Wales well beaten (by 99 seats) by a party to their right. The voters rejected their smug leaders and regarded their policies as too left wing, too anti business, too anti wealth creation, too metropolitan and economically too risky. If Labour do not except this result and move back to the Centre they risk Ukip routing them in their remaining strongholds in the North and Midlands next time.'"
Actually, most people when asked about why they voted Tory said that they didn't feel that Milliband was Prime Minister material and/or they were frightened of the SNP. Even so, Labour's share of the vote actually increased slightly. Practically nobody mentioned the factors you list.
It's also worth remembering that the majority of UK voters were happy to vote for a party other than the Tories. They may have a narrow majority of MPs thanks to our crackpot electoral system but they command the support of a minority of the population.
Labour lost the election by sitting on their hands for 4 years waiting for the wheels to come off the Coalition, then panicking and producing an ill-thought-out and uninspiring campaign that failed to present a compelling alternative to the status quo.
