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People in Wales ‘most honest’ on financial applications

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JUST 7% of people in Wales would consider providing false information to secure a preferential rate on financial products, according to new data from global information and insights company TransUnion. This is significantly below the UK average of 19%.

Despite ongoing cost-of-living pressures, which see almost half of UK households (43%) struggling to keep up with inflation, Wales emerges as the most trustworthy part of the UK in this area. Northern Ireland (41%) and London (36%) top the list of regions where residents are most likely to consider providing inaccurate information for better financial deals.

Welsh honesty stands out

James Robinson, Managing Director of Consumer Interactive at TransUnion in the UK, praised the findings:
“It is heartening to see that most people stay honest when applying for financial products, despite experiencing continued strain on their finances – and that should be commended. It’s also worth noting that not everyone who says they would provide false information actually follows through. However, even a small minority of consumers doing so can cause significant challenges for financial providers and risks for the individuals involved.”

Legal ways to secure better deals

While Wales leads in financial honesty, the research highlights that some misrepresentation persists. For instance, 10% of respondents in Wales find it acceptable to use a different email address to access new customer deals, while 9% see no issue with being named as a driver on a vehicle they don’t use.

Robinson emphasized that even seemingly minor falsifications can be considered fraud, carrying severe legal and financial consequences. Instead of resorting to dishonesty, consumers are encouraged to explore legal alternatives. TransUnion suggests practical steps such as shopping around for deals, accessing pre-approved offers, or using credit monitoring tools to improve financial standing.

Credit monitoring proves effective

The research revealed that 87% of people in Wales who used a credit monitoring service found it helpful. Benefits included identifying steps to improve credit scores (38%), gaining a better understanding of credit mechanics (34%), and recognizing eligibility for specific loans or rates (16%). These measures reduce the temptation to falsify information.

Top tips for better financial deals

TransUnion offers the following advice for securing better financial terms without resorting to dishonesty:

  1. Check your credit score regularly
    Monitoring your credit score can help you identify simple ways to improve it, such as registering to vote or setting up Direct Debits for minimum repayments.
  2. Look for pre-approved offers
    These deals are tailored to your credit profile, increasing the likelihood of approval and saving time.
  3. Consider credit unions
    Credit unions often provide competitive rates and ethical alternatives for borrowing.
  4. Refinance or negotiate existing deals
    Use credit monitoring tools to identify opportunities to lower rates on loans or credit cards.
  5. Stay vigilant against fraud
    Regularly check your credit profile to catch suspicious activity and protect your financial health.

Wales sets the standard

While challenges remain, the honesty displayed by most Welsh residents serves as a benchmark for the rest of the UK. By adopting legal strategies to secure better deals, consumers can safeguard their financial well-being while maintaining integrity.

 

Business

Plaid energy policy challenged by Labour after Adam Price interview

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LABOUR SAYS MINISTERS MUST EXPLAIN COST AND TIMETABLE FOR PYLON PLANS

PLAID CYMRU’S approach to energy infrastructure has come under scrutiny after Energy Minister Adam Price was challenged over plans to reduce the use of overhead pylons in Wales.

Mr Price defended the Welsh Government’s position during an appearance on BBC Radio Wales’ Sunday Supplement, arguing that communities must have greater confidence in how major grid projects are handled.

Plaid Cymru has pledged to give communities a stronger voice over energy developments and to look more closely at alternatives to overhead transmission lines, including underground cabling where possible.

The issue has become increasingly sensitive in rural parts of Wales, where proposed pylon routes linked to renewable energy schemes have raised concerns about landscape impact, tourism and local consultation.

However, Welsh Labour said the minister had failed to explain when any restriction on pylons would take effect, or who would pay the additional cost of placing cables underground.

A Welsh Labour spokesperson said: “Adam Price keeps saying how clear their manifesto was and yet he won’t say when they’re banning pylons. They won’t say who is paying for the extra cost of undergrounding cables.

“Without certainty, companies won’t invest. That’s thousands of clean, green energy jobs at risk. Plaid need more than a plan to have a plan.”

Labour said the Welsh Government must now set out how its policy would work in practice, including whether it amounts to an outright ban, what exemptions would apply, and how any extra costs would be funded.

The debate highlights the challenge facing ministers as Wales seeks to expand renewable energy generation while addressing public opposition to large-scale grid infrastructure.

 

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Business

New facilities at Haverfordwest Target Shooting Club agreed

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A CALL by a Pembrokeshire shooting club for more disability-friendly facilities has been given the go-ahead by county planners.

In an application to Pembrokeshire County Council, Haverfordwest Target Shooting Club, through agent Andrew Sutton Architecture, sought permission for an extension to existing target shooting club building at The Firing Range, Withybush Road, Haverfordwest to improve accessibility and internal facilities, together with associated landscaping works.

A supporting statement said: “The club’s own published history states it was founded in 1968, moved from the Drill Hall to the old wartime airfield butts at Withybush by the early 1970s, and had developed facilities over time, including the clubhouse by 1999. The established leisure/community use has existed on the site for a number of years and the proposal does not seek to intensify the core activity beyond that already authorised/established.”

It added: “The primary objective of the scheme is to improve inclusive access to the club’s facilities for disabled users and those with reduced mobility. The internal arrangement will provide adequate entrance and lobby space, clear accessible routes and appropriately designed sanitary accommodation, including an accessible wetroom/shower and separate WC.”

It also said accessible parking and surfacing designed to provide a firm, even, slip-resistant route from parking to the principal entrance.

It added: “The Equality Act 2010 places duties on service providers to make reasonable adjustments so that people with additional access needs are not placed at a substantial disadvantage.

“The proposal is therefore a positive enhancement to a community/leisure facility and supports wider policy objectives for inclusive environments.”

It went on to say: “The club operates within a highly controlled environment, and the proposed works will maintain and enhance safety and security measures.”

The application was conditionally approved by planners.

 

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Business

St Davids GP surgery plans lodged with national park

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PLANS to convert a former GP surgery in Pembrokeshire’s only city to a home and holiday let have been lodged with the national park.

In an application to Pembrokeshire Coast National Park, Alice and Danjal Joensen, through agent Oochitecture, seek permission for a change of use of the ground floor of the former GP surgery, Eryl Mor, 36, New Street, St Davids, merging with the existing first-floor apartment to create a larger single dwelling house, along with the creation of an attached short-term holiday let.

The GP surgery is currently vacant, following its closure in October 2024 after new partners could not be secured.

A supporting statement says, prior to being a GP surgery, the two storey element was a single dwelling house.

It adds: “The house would consist of an open plan kitchen-living space to the ground floor, along with a study, lounge and utility room. The first floor includes four double bedrooms with ensuite and main bathroom.

“The new unit of accommodation would form a holiday-let with two double bedrooms, shower room, and an open plan kitchen-living space.

“The GP surgery is currently vacant, following its closure in October 2024 after new partners could not be secured, therefore the proposed change of use will provide a viable long-term future use for the property.”

It says minimal external alterations are proposed to the property with existing entrances utilised for both the main house and holiday-let, adding: “The existing concrete ramp to the front elevation will be retained with proposed works including extending the upper level and steps to provide a connection to the front door, allowing for accessible entrance to the property.

“There will be no changes to vehicular or pedestrian access, with the site continuing to be accessed via the existing entrance from New Street. Parking will be provided for the main house and holiday-let on the existing tarmac driveway off New Street.”

The application will be considered by Park planners at a later date.

 

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