Hercule Parrot wrote:No, it doesn't. There's an important distinction between selling a right and selling an obligation.
(In the following, I assume UK law.)
Yes, indeed. The hypothetical daughter has a contract with her power company. She can't unilaterally transfer her liability to another person, unless the contract allows this, or the power company agrees otherwise.
We generally have a right to pay other people's bills if we want. Creditors don't care who pays the bill, provided it gets paid.
Elisabeth could pay a debtor's bill if she wanted, and wouldn't need permission from the debtor or creditor. But she claims that debtors can unilaterally transfer liabilities for debts to her, so the debtor can no longer be chased even if she doesn't pay. She is wrong; that's not how contracts work.
When I bumped into this, I immediately assumed it was for ID theft. Perhaps I was overly suspicious, and it is merely another stupid scheme for "getting out of debt free".