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Crime

Pembrokeshire businessman sentenced for £150,000 Covid loan fraud

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Director lied on three loan applications after already receiving funds

A PEMBROKESHIRE businessman who fraudulently claimed £150,000 in Bounce Back Loans during the Covid-19 pandemic has been handed a suspended prison sentence.

ZAHID AFZAL, aged 37, of Albert Street, Haverfordwest, was sentenced at Swansea Crown Court on Thursday (June 12) to two years in prison, suspended for two years. He was also ordered to carry out 300 hours of unpaid work.

Afzal, the director of mobile phone businesses Phone Bits Ltd and Phones Onn Ltd, had already received £52,500 in legitimate Covid loans when he applied for a further three loans—one for Phone Bits and two for Phones Onn—between May and November 2020.

The court heard that Afzal lied on each of the second-round applications, claiming they were the first he had made and exaggerating the turnover of the businesses. Each loan was for £50,000—the maximum permitted under the government-backed Bounce Back Loan Scheme.

The Insolvency Service, which investigated the case, found that the majority of the £150,000 Afzal fraudulently secured was transferred to his personal accounts, in breach of the loan scheme’s conditions.

David Snasdell, Chief Investigator at the Insolvency Service, said: “It is clear from our investigations that Zahid Afzal felt he could continue to apply time and time again for loans he was not entitled to. His sentencing should serve as a reminder to those contemplating fraudulently pocketing taxpayers’ money to think again.”

Afzal’s companies operated phone shops and kiosks in Carmarthen, Shropshire, Andover, and North Devon. The Insolvency Service confirmed that no wrongdoing was found in relation to the original £20,000 and £32,500 loans he obtained for Phones Onn Ltd and Phone Bits Ltd respectively.

The government’s Bounce Back Loan Scheme was introduced to support small and medium-sized businesses during the pandemic, offering loans of up to £50,000 at low interest, guaranteed by the Government. Loans were strictly intended for business use only.

The Insolvency Service has confirmed it is now seeking to recover the £150,000 under the Proceeds of Crime Act 2002.

 

Crime

Former Wales rugby star admits Christmas Day drink-driving offence

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Ex-Ospreys captain was almost twice over limit in Pembroke town centre

Former Wales back row Jonathan Thomas has admitted driving through Pembroke town centre on Christmas Day when he was almost twice over the drink-drive limit.

This week Haverfordwest magistrates heard that Thomas, 43, was stopped by officers as he drove his Mercedes CLA 220 along The Green, Pembroke, at around 5pm on Christmas Day.

“The officers were very concerned at the manner of his driving, as the car was being driven erratically and was swerving to the other side of the road,” said Crown Prosecutor Sian Vaughan.

“When Jonathan Thomas got out of the car, the officers could see that he was having difficulty standing and was unsteady on his feet.”

Subsequent breathalyser tests showed Thomas had 62 mcg of alcohol in his system, the legal limit being 35.

Thomas, who has no previous convictions, pleaded guilty to the drink-drive charge and was represented in court by solicitor Jess Hill.

“He has family in the area and had travelled to spend time with them on Christmas Day,” she told the magistrates. “He’s very remorseful for his actions and hugely regrets his decision that day.”

Jess Hill concluded by saying that Thomas is currently “between jobs and living off his savings”.

Thomas, who gave his address as Main Road, Bredon, was disqualified from driving for a total of 18 months.

“The length of your disqualification reflects the fact that you were more than a little bit over the limit,” commented the presiding magistrates when imposing sentence.

He was fined £120 and ordered to pay £85 costs and a £48 court surcharge.

The former Wales back row left his role as Swansea RFC head coach at the beginning of December 2025 as a result of ongoing health concerns. He was forced to retire from playing in 2015 on medical advice after being diagnosed with epilepsy and is one of the 390 former rugby union players currently taking part in a concussion lawsuit against the sport’s authorities.

“Long-standing issues linked to the head trauma have caused me some concern recently and it has been impossible for me to give the role everything it needs,” he said in a previous interview with the BBC.

His rugby career started out with Pembroke RFC juniors before moving to Swansea RFC, which he captained when he was 19. He then joined the Ospreys where, over a ten-year period, he won four league titles and an Anglo-Welsh Cup. He was the youngest player to captain the Ospreys and, at the time of leaving, was the joint highest appearance holder, together with Andrew Bishop, on 188 appearances.

His international career saw him play for Wales at Under-16, Youth, Under-19, Under-21 and Sevens levels. He made his senior international debut against Australia in 2003, featured at the 2007 Rugby World Cup and was part of two Six Nations Grand Slam-winning sides in 2005 and 2008. Between 2004 and 2011, Thomas was included in every Wales Six Nations squad. In his appearances for Wales, he scored seven tries.

 

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Crime

Drink-driver narrowly avoided collision in town centre

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Motorist almost three times over legal limit

A DRINK-driver narrowly avoided crashing into another vehicle while almost three times over the legal alcohol limit, a court has heard.

Nathan Lloyd, 33, was seen driving a Nissan X-Trail in Haverfordwest in the early hours of December 20 without headlights.

Police followed the vehicle, which narrowly missed a car and struck a kerb before being stopped.

Lloyd, of Adams Drive, Narberth, recorded a breath reading of 97 micrograms of alcohol, nearly three times the legal limit.

He was disqualified from driving for two years and given a 12-month community order requiring 80 hours of unpaid work and 20 rehabilitation days. He was ordered to pay £114 surcharge and £85 costs.

 

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Crime

Woman fined for missing drug follow-up appointment

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Failure to attend assessment led to court appearance

A PEMBROKE woman has been fined after failing to attend a required follow-up drug assessment.

Nicole Davis, 37, was asked to attend an appointment in Haverfordwest on October 23 but failed to do so.

Appearing before magistrates, Davis pleaded guilty to failing to attend.

Her solicitor Jess Hill said this was Davis’s first time before the courts and she had misunderstood the requirement.

Davis, of Olivers View, Pembroke, was fined £80 and ordered to pay £85 costs and a £32 surcharge.

 

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