Gabrielle Friel found guilty of weapons haul terrorism charge

Twenty-two year old Gabrielle Friel been found guilty under the Terrorism Act of possessing weapons including a crossbow, crossbow arrows and a machete.

He wss found guilty by a majority verdict.

However, Friel was cleared of another charge alleging he wanted to carry out a “spree killing”. The jury at the High Court in Edinburgh found the charge that he was motivated by incel (involuntary celibate) ideology not proven.

Assistant Chief Constable Patrick Campbell, of Police Scotland, welcomed the verdict. He described Friel as a “dangerous, socially isolated and disaffected individual” and said the consequences of his actions could have been “catastrophic”.

ACC Campbell, Police Scotland’s Assistant Chief Constable for Organised Crime, Counter Terrorism and Intelligence, said: “Gabrielle Friel is a potentially dangerous and disaffected individual and Police Scotland welcomes the outcome of this case as the consequences of his actions could have been catastrophic.

“I sincerely thank the health and social care professionals and the Police Scotland officers involved in what was an extremely complex and challenging investigation. Their actions contributed to an early intervention and, undoubtedly prevented him undertaking an act that threatened the safety of our communities.

“This was an unprecedented case and the charges libelled by the Crown Office and Procurator Fiscal Service underlines the severity of Friel’s intentions.

“Police Scotland remains absolutely committed and focussed on protecting our citizens and working closely with partners to achieve this by delivering the multi-agency Prevent Strategy.

“We can’t do this alone and we also need the help of families, friends and the wider public.

“I know it can be a big step, particularly when we are referring to terrorism. But if you think that a family member or a friend is being radicalised, displaying extremist views or becoming involved in terrorist activity you should contact Police Scotland. Officers will work alongside other public protection partners to safeguard that individual and the public.

“By working together effectively, we will also help to safeguard individuals who have been identified as being vulnerable to radicalisation or being drawn into extremism.

“Anyone who has concerns should contact Police Scotland or the confidential anti-terrorist hotline 0800 789 321. There is helpful and confidential advice available at the ACT Early Counter Terrorism Policing website.”

During the trial Gabrielle Friel admitted he was ‘addicted’ to the topic of mass killing but denied wanting to cause such an event himself.

Mr Friel, giving evidence in his own defence at the High Court, said he became interested in mass shootings when in high school, where he was badly bullied, adding: “I can’t seem to get out from it. It’s like an addiction, basically.”

Mr Friel said he wanted to draw attention to himself but denied intending to carry out an actual attack.

“If only I can show the whole world how I feel, my pain. I would do this kind of stuff but I wouldn’t do it in real life,” he said.

Mr Friel said he bought weapons including a crossbow, bolts and a machete, as well as body armour, in summer 2019 as he wanted to provoke police to shoot him.

He denied the plan was connected to any ideology. “I can’t handle these violent fantasies in my mind. My life sucks basically. I was really depressed,” he told the court – but he denied he planned a mass killing spree.

Worst in Europe: Scotland’s drug deaths rise to new record high

The number of drug-related deaths in Scotland increased by 6%, from 1,187 in 2018 to 1,264 in 2019, representing the highest number since records began in 1996, according to statistics published by National Records of Scotland today.

Other key findings show that of all drug-related deaths in 2019:

  • Nearly 7 in 10 were male.
  • Over two thirds were aged 35 – 54.
  • Three-quarters occurred in the following five health board areas: 404 in Greater Glasgow & Clyde, 163 in Lanarkshire, 155 in Lothian, 118 in Tayside and 108 in Ayrshire & Arran.
  • Heroin and morphine were implicated in more deaths than in any previous year, and over half of the total.

Three-quarters of the deaths occurred in five health board areas. Greater Glasgow and Clyde had 404 deaths, Lanarkshire 163, Lothian 155, Tayside 118 and Ayrshire and Arran 108.

Scotland’s drug-death rate was higher than those reported for all the EU countries, and was approximately 3½ times that of the UK as a whole.

Pete Whitehouse, Director of Statistical Services said: “2019 saw the highest number of registered drug related deaths in Scotland since reporting began over 20 years ago. The figure of 1,264 deaths is an increase of 77 on 2018.”

 Edinburgh the number of drug related deaths has risen by 1, from 95 to 96; in East Lothian the number of drug related deaths has remained the same at 18, in West Lothian the number of drug related deaths dropped by 2 from 25 to 23 and in Midlothian the number of drug related deaths has risen from by 4 from 14 to 18.  

In the last 10 years the number of drug related deaths has more than doubled in Lothian from 73 deaths in 2010 to 155 deaths in 2019.

The number of drug related deaths from heroin in Lothian has risen from 56 in 2018 to 69 in 2019.

Drug related deaths from Benzodiazepine rose from 94 in 2018 to 109 in 2019, with “street” Benzodiazepine drug related deaths rising from 69 to 85, of which Etizolam rose from 42 to 72.

Drug related deaths from cocaine rose from 51 in 2018 to 62 in 2019 and the number of alcohol related deaths dropped from 25 in 2018 to 22 in 2019.  

Lothian MSP, Miles Briggs, said: “Every single drug death in Scotland is a tragedy and it is deeply concerning that the number of drug related deaths has risen year on year.

“Cuts to drug rehab beds and addiction programmes by SNP Ministers have been counterproductive in reducing drug related deaths in Scotland.

“The Scottish Conservatives have called on a £20 million Scottish Recovery Fund, to shift the focus from methadone prescriptions to drug rehabilitation programmes.

“SNP Ministers have failed to prevent people from using drugs in Edinburgh and the Lothian’s or to support people off drugs if they have become addicted.”

Statistics on deaths caused by volatile substances and helium have also been published today.

The publication Drug-related deaths in Scotland, 2019 and an infographic summary is available on the NRS website.

Four more libraries welcome back the public

Four more Edinburgh libraries reopened their doors yesterday as part of a phased plan allowing more access to community facilities.

The libraries are Craigmillar, Wester Hailes, Gilmerton and Drumbrae. Their reopening follows on from six libraries that successfully reopened to the public since October – Central, Fountainbridge, Stockbridge, McDonald Road, Newington and Kirkliston.

Members of the public are reminded that numbers are limited in the buildings due to the safety measures in place and they will need to book their visit in advance – this can be done online or by phoning the library.

They will be open to browse and borrow books, use a public computer, apply for a National Entitlement Card (bus pass) or collect hearing aid batteries. Returning books and picking up free sanitary products will not require a booking.

Social distancing measures are in place and wearing face coverings is mandatory.

Culture and Communities Convener Cllr Donald Wilson said: “We’ve had positive feedback from the public about our six libraries re-opening two months ago which is really good to hear.

“Opening four more libraries is the next step in their phased reopening. We have missed them and are working hard to get them back up and running and this is a good step forward. We look forward to opening the rest as soon as possible in the new year.

“Libraries are invaluable resources for all our local communities. A library is not just a place to borrow books but an essential focal hub addressing the digital divide, access to literature and culture and as a point of communication and information.

“We should not underestimate their role in the communities of our city particularly for vulnerable groups. Can I also wish everyone a Merry Christmas but remember at this most difficult of times to stay safe.”

Culture and Communities Vice Convener Amy McNeese-Mechan said: “This year has obviously been really challenging for everyone and we really appreciate everyone’s support and patience as we gradually reopen our libraries as they are a lifeline for many of our citizens.

“The response from the public has been really positive despite services being limited due to current restrictions. This cautious approach demonstrates our commitment and recognition of the importance of public libraries in this, the world’s first UNESCO City of Literature.”

Together Let’s Care for your Mental Health this Festive Season

You’re not alone with your mental health. We’re here to help you.

NHS 24, Police Scotland and the Scottish Ambulance Service are working together to support mental health and wellbeing for people across Scotland ahead of the Festive Season 2020.  

After a year like no other for the people of Scotland and our NHS and emergency services, the Together Let’s Care for your Mental Health campaign aims to raise awareness of a range of mental health information and services that support mental health.

The three organisations have been working together to develop new ways to support people in mental health distress when they contact the services.

People calling Police Scotland in mental health distress may now be offered access to the NHS Mental Health Hub service. The Scottish Ambulance Service is also able to support some callers through a similar pathway.

Under the banner ‘Together Let’s Care for your Mental Health’ the partners are able to signpost to a range of self-help guides and options for further support. Online information is available for a range of day to day concerns such as anxiety, depression, young people’s mental health needs, alcohol, gambling and drug use.

NHS 24 offers a range of online mental health guides through NHSinform.scot as well as the 111 Mental Health Hub and Breathing Space’s telephone and web chat services.

Stephanie Phillips, Director of Service Delivery, NHS 24 said: “We are pleased to be working together with Police Scotland and the Scottish Ambulance Service to provide the best possible outcomes for people in mental health distress.

“We know this Festive Season is going to be very different for everyone and many people will feel more anxious than usual. Our online resources are a good place to look for the first steps to support and self-care. If you need help now there are a range of services available to you. Our team are here to help those getting in touch with our services with a compassionate response.”

Tony McLaren, National Coordinator for Breathing Space said: “We know that this time of year can be a particularly poignant and difficult time for some.  This year there will be many people who are facing bereavement, anxiety and stress, perhaps for the first time.

“Talking about how you feel, and being listened to, can make all the difference. Our Breathing Space advisors are here to listen and respond when you need someone to support you.”

Assistant Chief Constable, Police Scotland, Gary Ritchie said: “It is the challenge of all in public service to ensure that when people need help, they get it at the right time from the most appropriate agency.

“This is why we have strengthened our work with NHS and SAS colleagues, to make sure that those callers who are suffering mental ill health can now be referred directly to a qualified health professional. We will never step away from people in crisis where they have nowhere else to turn.”

Vicky Burnham, Consultant Paramedic in Dementia and Clinical Lead for Mental Health with the Scottish Ambulance Service, said: “We have been faced with many different challenges this year as a result of Covid-19 and all key workers have gone above and beyond, providing exceptional care throughout the year during an unprecedented global pandemic.

“With social interactions being limited as a result of restrictions this year, it’s vital that health care providers and emergency services are able to provide additional support to those who require help related to anxiety, depression, young people’s mental health needs, alcohol, gambling and drug use.

“We look forward to working alongside our colleagues at Police Scotland and NHS24 to ensure we continue to provide the very best care to patients across Scotland.”

MidWinter Turning 2020: Local singers go virtual to support The Junction

Local singers from SongTribe, a vibrant performance choir led by Alison Burns, have not let the pandemic stop them from hosting their annual MidWinter Turning concert on 20th December in support of small charity The Junction Edinburgh. 

The free concert, which will be broadcast live on Youtube at 4pm on Sunday, will feature a series of engaging videos with original music and arrangements by Alison Burns sung by the choir from across Edinburgh.

There will also be readings from poet Tom Pow, actress Liz Kettle and storyteller David Francis and the first look at a new Crankie designed by talented artist Ruth Cameron. Viewers will be encouraged to donate to The Junction after enjoying the concert.

The 65 singers involved in the MidWinter Turning have rehearsed online for months to make this spectacle happen, getting to grips with new technology whilst missing singing in person together fiercely.

The MidWinter Turning 2020 is a culmination of their hard work, and a fitting reflection for what has been a difficult year for so many.  

Anyone who would like to watch the concert can visit:

sing-in-scotland.com/concerts/ for more information and the viewing link.

Unmasking a looming litter emergency

Keep Scotland Beautiful: make Scotland ‘litter-ate’

Environmental charity, Keep Scotland Beautiful, has published a new report on Scotland’s local environmental quality highlighting an avalanche of evidence from its audits from the past two decades which points to a looming litter emergency – hidden in plain sight.

The charity is calling for eight urgent actions to make Scotland ‘litter-ate’ and is urging key stakeholders and communities to join efforts to change the way we behave to tackle unacceptable levels of litter, dog fouling, graffiti, weeds and detritus.

The report ‘Time for a new approach to tackling litter‘ highlights an accelerating decline in standards from 2013 to 2020 – with only 16% of audited sites being recorded as litter free last year compared to 31% in 2013, and dog fouling now found on 3% more streets that in 2013. In addition, results also showed a more marked decline in Scotland’s poorest neighbourhoods.

Local environmental quality standards in Scotland were already in decline before the pandemic, now nine months on, as we rely on good quality neighbourhoods for our health and wellbeing, our polling has highlighted that 30% of people believe the overall condition of their local neighbourhood deteriorated during lockdown.

Yet, despite the impact of this ‘lockdown effect’, where people have noticed an increase in the severity and prevalence of poor environmental quality, improved connections have been made with the environment and local neighbourhoods.   

And, positively, Keep Scotland Beautiful has come together with others to tackle the rise in flytipping, dog fouling and littering during a challenging year.  Building on this as we enter a new year is key to tackling the behaviours behind the looming litter emergency.

This is why the charity has outlined an eight-point cross sector agenda for change to tackle the complex interlinking problems leading to the decline.  This includes calls for an: education and behaviour change programme to create a Scotland that is truly litter-ate; a review of the failing model of enforcement; and further collaboration to bring together a reinvigorated Scottish network working together to jointly reverse the decline.


Barry Fisher, CEO of Keep Scotland Beautiful said, “The increasingly visible new litter type – the single use face mask – has become a symbol of our disregard for Scotland and our fellow citizens. 

“The simple truth is that we need to all start questioning our own habits – what we consume, what we throw away, and how we look after our local neighbourhoods – and we need to address the looming litter emergency head on by changing our own behaviours and working together with key partners, to build on the successes of this year.

“We must respect and look after the places that we love if we are to have any hope of solving the global climate and nature crises. Tackling the first can help the latter. We need you to join us to make our communities, businesses and individuals truly litter-ate.”

Iain Gulland, chief executive of Zero Waste Scotland, said: “Our relentless consumption of materials is Scotland’s biggest contributor to the climate crisis. The extraction, manufacture and transport of materials is a huge source of carbon emissions and something we could affect by reducing our demand for single-use items.

“It is particularly upsetting that people continue to pollute our streets, parks, streams and rivers, where they continue to cause damage for months and years to come. This needs to stop and we will continue to work with Keep Scotland Beautiful and other partners to find solutions to these issues.”

Keep Scotland Beautiful is committed to continuing efforts to support communities, local authorities, businesses, and national agencies to reverse the decline in environmental quality across Scotland – from rural to urban settings – but your support is needed.  

The time to act is now.  Scotland is beautiful, and we must all commit to do more to protect and enhance the places we care for.

Board games for the whole family this Christmas

Games have been on the rise this year, since families are spending more time at home. So what better gift to give this Christmas than games that can be enjoyed by everyone, of all ages.

Here are some brand new games that have launched just in time for Christmas

PASS THE PUGS

The infamous game ‘Pass the Pigs’ launches PUGS! Who will be first to 100 points?

The infamous game Pass the Pigs has launched their first ever variation (that isn’t a pig), PUGS!

Be the first to get to 100 points by throwing the pugs in the air and seeing how they land. Will your pugs ‘play dead’, ‘faceplant’ or will it be ‘puppy love’?

  • Pass the Pigs has been an iconic brand for over 50 years
  • Includes pencil and score pad, that all pack into a plastic carry case, great for on-the-go!
  • Available on Amazon.co.uk / Age 8+ / RRP £9.99

Disney Lex-GO! Word Game

The Super-Fast Word Game from Waddingtons No.1 of London

Race against other players to get rid of your word tiles by swapping letters and even stealing your opponents’ tiles. Disney Classic version has 5 magic tiles that help you win the game.

MICKEY TILE – can be used as any letter in a word. GENIE TILE – your wish is granted! Take a total of 3 tiles from any other player. WRECK IT RALPH TILE – it’s time to wreck it! Shuffle another player’s words. OLAF TILE – Whoops! Olaf walked over your tiles and now they’re frozen in place for 10 secs! ARIEL TILE – Here’s one to add to your collection! You can take any tile another player if it completes a word for you.

  • Waddingtons No1 has been an iconic British Heritage Brand over 130 years
  • Game for all ages, but helps children with spelling and vocabulary
  • All tiles pack into a neat canvas pouch, great for storing and on-the-go.
  • Available on Amazon.co.uk / Age 8+ / RRP £14.99

THE ELF ON THE SHELF TOP TRUMPS

This beloved family tradition has captured the hearts of children everywhere, and now for the first time, you can embrace the magic of Scout Elves in this brand new collaboration with TOP TRUMPS!

The classic, competitive card game gets a festive touch in this officially-licensed pack, which includes thirty magic moments featuring your favourite Elves. Discover just how creative, cheeky, silly and festive these little Elves can be as you compete to take all of your opponents’ cards. Get into the Yuletide spirit with The Elf on the Shelf, and remember – he’s always listening!

  • Top Trumps is the UK’s #1 card game (iGen research)
  • Top Trumps is the game packed full of stats and facts on all your favourite topics including films, TV shows, animals and more! With hundreds of topics to chose from, there is a Top Trumps pack for everyone, no matter your age.
  • Over 100m packs sold across the world
  • Fun, but educational (camouflaged learning)
  • Includes 30 cards
  • Plastic case is great for storing and on-the-go
  • Available on Amazon.co.uk / Age 6+ / RRP £4.99

007 JAMES BOND TOP TRUMPS QUIZ

500 quiz questions on all James Bond films

Take a chance with 500 questions on all things James Bond, starting with the classic Dr. No and ending with the brand new 2020 release No Time To Die!

Think you can remember who sung the title song for Casino Royale, or which Dr. No character had webbed hands? Know who wrote the screenplay for You Only Live Twice, or the the name of the deadly warfare agent from On Her Majesty’s Secret Service?

  • 500 questions on 100 cards
  • Top Trumps Quiz with a twist! 500 questions on loads of different topics, films and TV shows.
  • Plastic case opens on both sides, ready for battle and also great for storing and on-the-go
  • Available on Amazon.co.uk / Age 12+ / RRP £9.99

MARVEL CINEMATIC UNIVERSE TOP TRUMPS QUIZ

500 quiz questions on Marvel films

Take another trip aboard the helicarrier and test your knowledge of the Avengers, Guardians of the Galaxy, S.H.I.E.L.D. and the dozens more characters that make up the massive Marvel Cinematic Universe in this special edition of Top Trumps Quiz – Marvel!

With 500 fiendish questions exploring memorable quotes and moments from one of the most successful film franchises in history, you won’t need a Time Stone to recap the events of Civil War, Black Panther, Doctor Strange, Age of Ultron and the record-breaking Endgame in this comprehensive set.

  • 500 questions on 100 cards
  • Top Trumps Quiz with a twist! 500 questions on loads of different topics, films and TV shows.
  • Plastic case opens on both sides, ready for battle and also great for storing and on-the-go
  • Available on Amazon.co.uk / Age 12+ / RRP £9.99

Campaign to ban Disposable Face Masks launched

The UK will consume 19.2 billion single non-recyclable face masks in 2021. Most of these will be sent to landfill, the weight equivalent of 5 Eiffel Towers. Some will end up in watercourses causing an environmental nightmare. A new campaign has been launched in an attempt to reduce this number.

“It’s really important to consider the wider impact of single-use face masks as they can’t easily be recycled and end up in landfill, in rivers and the sea – that’s why we are supporting a new petition on the Government to ban their sale to the general public”, explains Charlotte Green from commercial recycling company TradeWaste.co.uk

It should be noted that the petition is specific in that it is not asking the Government to completely ban their sale, they have an important role in medical situations, and where use is controlled, they can be recycled – although this is not always easy.

What 19.2 billion single use face masks in numbers looks like:

  • 52,602,739 a day
  • 1,578,082,191 a month

“We are promoting the petition to raise awareness of the environmental problems created by single use face masks, and also to offer an alternative to those worried about the harm cause to wildlife and the impact on the environment in the UK”, explains Green.

The Petition will be discussed in Parliament when it reaches 100,000 signatures. The aim of the campaign is to hit this number before the end of 2020 in an attempt to slow down the consumption of disposable masks, and encourage washable alternatives.

A link to the Petition is available here:

https://www.tradewaste.co.uk/petition-ban-single-use-face-masks/

“We know the consequences of their use, and funnily enough the alternative is actually cheaper – we just need to get the word out that single use face masks just get buried in the ground and that isn’t acceptable!”, concludes Charlotte Green from commercial recycling company TradeWaste.co.uk

Ditch your Disposable Face Mask and save £190 in 2021

  • A single use disposable face mask costs 18p
  • Over a year using 3 per day this is £197.10
  • A washable face mask costs £1.40 (Pack of 5 is £6.99)
  • If you can use 5 masks by washing them, then over a year this is a saving of £190.11

Not Simply Red!

– Morrisons launches multi-coloured poinsettias for Christmas –

– The unique style isn’t available in any other supermarkets –

– Poinsettias are the birth flower for December and one of the most popular festive flower offerings due to their star-like leaves –

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Morrisons has added a festive multi-coloured poinsettia into its flower range this month. The striking and exciting new varieties are a mixture of Pink, White and Red and aren’t available on any other supermarket shelves. 

Poinsettias are symbolic with Christmas, featuring star-like leaves and a traditionally bright red colour that is symbolic of the festive season. In December 2019, Morrisons sold over 500,000 units of the traditional red variety and expects this to increase this year.

They are known for being incredibly photogenic due to their striking red foliage. In fact, the hashtag #poinsettias has over 335,000 posts on Instagram.

The Best Multi-Coloured Poinsettia is available in 350 Morrisons stores now and costs £8. Morrisons is also selling traditional Red Poinsettias for just £3. 

Rebecca Ruck, Horticultural Buyer at Morrisons says: “People are increasingly on the lookout for ways to make sure their festive displays and decorations stand out.

“The new The Best Poinsettias will ensure that customers can have brightly coloured and expressive displays, without breaking the bank.”

Buy now, Regret later?

Which? is calling for Buy Now, Pay Later firms like Klarna and Clearpay to be fully regulated to provide greater protection for consumers, as new research from the consumer champion finds concerning industry practices encourage people to spend more than they planned to.

The consumer champion’s findings show that these slickly designed, easy-to-access credit products are encouraging impulse buying, with nearly a quarter of BNPL users (24%) saying they spent more than they planned to because BNPL was available.

With one in ten (11%) BNPL users reporting that they have incurred late charges when paying this way, Which? is concerned about the dangers involved with this growing form of unsecured credit, particularly when the risks are not always made clear, and is calling for the financial regulator to be given new powers to fully regulate the BNPL industry to prevent consumers from being harmed.

The research suggests pushy marketing strategies, combined with sales features that make payment easier – such as ‘express checkout’ services on some retailers’ websites – could be driving people to overspend and leading to people falling into debt, a concern also shared by debt charities such as StepChange.

Which? also found that a quarter of BNPL users (26%) said they had not planned to use this type of payment option until it popped up at checkout, while two in ten (18%) said they used BNPL because they were offered a discount to do so.

One in ten (13%) also said they used it by accident because it was selected as the default payment option at checkout. One survey respondent said: “I was tricked into [using] it because the box was already ticked”.

BNPL firms also advertise heavily on their partners’ websites. Which? looked at 80 of these sites and found the largest BNPL ads take up as much as 80 per cent of the screen, with fashion retailers most likely to carry these prominent ads.

These factors are evidence of the firms’ application of consumer psychology to drive sales, a strategy one BNPL provider has promoted to its retail partners.

In 2017, Klarna, one of the leading BNPL firms in the UK, commissioned a study with the University of Reading into online shopping behaviour. The report, intended for partner retailers, explains how to design ‘customer journeys’ that will persuade people to make ‘emotional’ purchases instead of ‘logical’ ones.

However, as Which? research shows, these frictionless customer journeys can lead to shoppers spending more than they can afford, without necessarily being aware of the risks.

41 per cent of people in the Which? survey who were aware of BNPL either did not believe or did not know that missing a payment could lead to the BNPL firm passing your debt on to a debt collection agency.

As a result of its findings, Which? is now calling for providers of this type of BNPL service to be regulated by the Financial Conduct Authority.

In its submission to the regulator, the consumer champion said that, while supportive of innovation, it believes that the BNPL market must have consumer protections in place in line with other regulated unsecured credit products.

Giving the FCA the powers to regulate the BNPL market would allow it to more effectively monitor how BNPL firms treat consumers, and if necessary, take action to prevent consumers from being harmed.

Jenny Ross, Which? Money Editor, said: “While Buy Now, Pay Later services offer speed and convenience at the checkout, our research shows their design makes it far too simple for shoppers to spend more than they were intending.

“This could lead to people building up debts that they may struggle to pay back, which is particularly concerning if they don’t understand the risks of using this type of product.

“Given that many people’s finances are stretched now more than ever, we believe that the FCA needs to regulate this market to ensure consumers are not harmed and that action can be taken if these firms are treating customers unfairly.”

A spokesperson for Klarna responded: “While we cannot speak for the sector as a whole, it is wholly incorrect to claim that Klarna uses ‘pushy marketing strategies’. All Klarna customers are provided with our terms and conditions, which clearly outline the potential consequences of non-payment.

“If a customer misses a payment, we will proactively contact them to remind them via text, email, in-app notifications and letters. Klarna will only refer unpaid debts to a debt collection agency as a last resort after a period of several months.

“Klarna is fully engaged with the FCA review of the unsecured credit market.”