News
Credit union membership tops 9,000
THE NUMBER of people in mid and west Wales that save or take loans with their local credit union has topped the 9,000 mark. Between them, they have nearly £5½m in savings and over £3½m in loans.
Vanessa Owens, operations manager at West Wales Credit Union said,
“With Christmas approaching and cold weather adding to the cost of fuel bills, the winter months can be a difficult period financially. It’s good to see people in Mid and West Wales turning to credit unions as a viable alternative to pay-day loans companies or to save with, in the run-up to Christmas and beyond.”
The Welsh Government supports credit unions to encourage for people in Wales to develop a saving habit and to help provide alternative sources of credit to form other higher-cost lenders, such as pay day loan companies.
Wales-wide figures released today show that Christmas savings with Wales’s credit unions has topped the £1m. Over 2000 people have Christmas savings accounts with credit unions in Wales and have put away an average of £515 each since January this year.
Unlike banks and payday loans companies, the maximum interest rates credit unions can set on loans and savings are set out in law. As well as loans, Welsh credit unions also offer regular savings accounts, for both adults and under 18s, and Christmas savings accounts. Across Wales, more than 60,000 people are members of credit unions.
The Minister for Communities and Tackling Poverty, Jeff Cuthbert said:
“More and more people are turning to their local credit union as a way to save and we want to help this sector to continue to grow so that even more Welsh people have the option of saving and obtaining loans at a fairer interest rate.
“The money you save is given in loans to people you have a link with. If you borrow money, the interest you pay goes to the people who save, not to share holders. Either way, the money stays in Wales and is of benefit to other people in Wales.
“Many people are facing tough times and the rise of pay day lenders continues. We are working to help people manage their money in a better way in the hope they never have to turn to such companies. Whilst credit unions are not the sole answer to payday lenders, they integral to people accessing low-cost credit and advice to managing their finances.”
Crime
Bail revoked for teenager charged with rape following Sands Nightclub allegation
A TEENAGER charged with rape following an alleged incident at a Saundersfoot nightclub has been remanded into custody after bail was revoked at Swansea Crown Court.
Joshua Probert, aged eighteen, is accused of raping a woman at Sands Nightclub in the seaside village during the early hours of Sunday (Dec 14).
The complainant is entitled to lifelong anonymity and no details that could identify her can be reported.
Probert was initially granted bail by Llanelli Magistrates’ Court on Wednesday. However, on Thursday afternoon (Dec 18) the Crown Prosecution Service applied for a special hearing at Swansea Crown Court, arguing that the earlier bail decision had been made without all relevant information being available.
The hearing was presided over by Paul Thomas KC. After considering new material put before the court, the judge ruled that there was a risk of reoffending.
There was also discussion that the defendant was at risk in the community due to alleged threatening phone calls against him.
Bail was therefore revoked and Probert was remanded into custody.
The defendant appeared in court supported by members of his family, including his mother, stepfather and father.
Much of the detail discussed during the hearing cannot be reported for legal reasons.
Probert is due to return to court in four weeks’ time as proceedings continue.
News
Welsh Government outlines new rights for homeowners facing estate management charges
HOMEOWNERS living on privately managed estates in Wales are set to gain new legal protections under changes being introduced as part of the Leasehold and Freehold Reform Act 2024, the Welsh Government has said.
In a written statement published on Thursday (Dec 18), the Cabinet Secretary for Housing and Local Government, Jayne Bryant MS, provided an update on how the legislation will be implemented in Wales, with a particular focus on estate management charges paid by freehold homeowners.
Until now, homeowners on privately managed estates have often faced unclear or high bills for maintenance and services, with limited ability to obtain information or challenge costs. Once fully implemented, Part 5 of the Act is intended to address those concerns.
New powers for homeowners
Under the reforms, homeowners will be given the right to challenge the reasonableness of estate management charges for the first time. Estate managers will also be required to provide clearer information about the services being paid for through those charges.
In cases where estate management has failed, homeowners will be able to apply to a tribunal for a substitute manager to be appointed. The Act will also require estate managers to publish details of any administration charges in advance, where payment is expected.
Jayne Bryant said the changes would bring “significant new rights and protections” for homeowners affected by estate management fees.
Welsh and UK consultations
Responsibility for introducing the necessary secondary legislation is shared between the Welsh and UK Governments. While many of the powers rest with UK Ministers, Welsh Ministers are responsible for rules relating to the publication of administration charges in Wales.
The Welsh Government has confirmed it is working alongside UK counterparts to ensure both consultations are launched at the same time, allowing homeowners and stakeholders to consider the full set of proposals together.
Homeowners are being encouraged to respond to both the Welsh Government consultation on administration charges and the UK Government consultation on the wider estate management regime.
The consultations are now open and form part of the process to bring the new protections into force.
News
Flood warnings issued across Wales as heavy rain raises river levels
FLOOD warnings and alerts have been issued across large parts of Wales as persistent heavy rain causes river levels to rise, with parts of the country facing an increased risk of flooding on Thursday (Dec 18).
Natural Resources Wales (NRW) has confirmed that four flood warnings are currently in place, meaning immediate action is required, while a further 16 flood alerts have been issued where flooding is possible.
A yellow weather warning for rain has been issued by the Met Office, covering much of Wales from 10:00am on Thursday until 7:00pm, with disruption expected in some areas.
NRW said the warnings follow prolonged wet weather, with further heavy rainfall forecast to move across the country during the day.
The Met Office said: “An area of heavy rain will move northeast across the warning area during Thursday morning and afternoon before clearing to the east through the evening.
“Given recent very wet weather, there is potential for some disruption to travel and possible flooding.
“Much of the warning area will see 15–25mm of rain but some places could see 40–50mm, with the highest totals falling over high ground of south Wales.”
Forecasters have also warned that strong winds could worsen conditions, particularly along the coast.
“There is a chance of 60–70mph gusts along the exposed south coast, and perhaps 40–50mph some way inland,” the Met Office added.

Flood warnings in force
NRW has confirmed flood warnings are currently active at the following locations:
- River Towy at Carmarthen Quay, Carmarthen
- River Ritec at Tenby
- River Towy affecting isolated properties between Llandeilo and Abergwili
- River Rhyd Hir at Riverside Terrace, Pwllheli
Residents in these areas are being urged to take immediate action to protect property and personal safety.
Flood alerts issued
In addition, flood alerts — meaning flooding is possible — have been issued for the Lower Severn catchment in Powys, along with other areas shown on NRW’s live flood monitoring maps.
NRW is advising people to remain vigilant, avoid flooded roads and footpaths, and keep up to date with the latest forecasts and warnings.
The Herald understands that river levels will continue to be closely monitored throughout the day as rainfall moves through Wales.
Members of the public can check the latest flood warnings and alerts on the Natural Resources Wales website or by signing up for flood alerts direct to their phone.

Flood alerts and warnings across Wales on Thursday (Pic: NRW).
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