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Development Bank ‘not a guaranteed solution’

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A NEW report by a think tank has assessed the potential of a public development bank for Wales to boost lending to firms and promote economic development locally.

The report by the Public Policy Institute for Wales describes evidence that ‘bank branch closures are having a negative impact on individuals and businesses in Wales, but more specific research is need to ascertain what impact bank branch closures is having on individuals and communities. Finding out the extent to which vulnerable areas are affected by bank branch closures can also help identify which specific services can be provided in the future.’

The report states: “However, even the most extensive public banking model, opening community banks would not be able to replace the branches that have been closed in Wales in recent years.”
On ways to protect banking services it comments: “A public development bank is potentially useful option, but not a guaranteed solution.”

Plaid Cymru Mid and West AM Simon Thomas said: “We need action from Governments in Westminster and Wales on bank branch closures.

“It is unacceptable that the bank network is being stripped from rural Wales. We cannot have a gap in the banking services available to rural and urban Wales.

“Plaid Cymru’s Westminster leader Liz Saville Roberts has called for a change in the law to protect the last bank in town. We are now seeing often in our communities from Llandysul to Llanidloes towns left without a bank.

“While bank branches are expensive to maintain and are used by fewer people in the past they are still an important resource. The report highlights research by the Federation of Small Businesses that bank branch closures affect small businesses in rural communities, as they are more likely to require cash purchases than in urban areas.

“High street banks have a duty to consult effectively with the local community over closures. While banks are private companies making commercial decisions, in effect access to banking is essential for modern life and participating in democracy.”

“The Labour Government in Cardiff Bay should be looking at how other financial institutions like Finance Wales and credit unions have a role to play. Other ways to protect banking services for small businesses and individual customers like developing the services provided by the Post Office will be hampered by the closure programme of successive Westminster governments of different political colours.”

The report identifies problems with lending to small and medium sized businesses, automation has made banks more geographically and operationally distant from small businesses.

Bank closures contribute to this problem according to the Federation of Small Businesses.

Mike Cherry, FSB National Chairman, said: “The rapid pace of bank branch closures across the UK presents some very real and tough challenges for small businesses. FSB members highly value the face-to-face interaction they receive in-branch, particularly when making complex financial transactions, with staff who often have a greater understanding of their business and the local economy. In addition, many of our members deal heavily in cash and cheques and need access to over-the-counter banking facilities on a regular basis.

“Small businesses are keen to embrace the opportunities of the digital economy. However, barriers towards digital inclusion, such as unreliable broadband connectivity, and a lack of confidence in using digital services creates serious challenges. These are some of the reasons which explain why the protection of in-branch banking is so important for financial inclusion.”

Large banks were three times more likely to shut a branch in Wales than in London and the south east of England, and five of the top ten areas affected by the 600 branch closures in Britain in 2015-2016 were in Wales – Powys, Denbighshire, Gwynedd, Conwy, and Carmarthenshire.

The FUW is particularly concerned as internet banking is not always an option in rural areas; many people will not have an appropriate internet connection- if they have a connection at all, and especially the elderly may not be familiar with IT and the process of doing their banking online.

Speaking earlier this summer, FUW President Glyn Roberts said: “The closure of rural banks has a detrimental effect on rural areas, as they serve not only villages and small towns but many of the neighbourhoods in surrounding areas, as well as providing employment to local people.

“Closures are a great loss to residents and local businesses, particularly the elderly or residents who are unable to travel to the nearest town. The closures will of course also affect small businesses, as they will have to travel further afield for their banking needs.
“In addition, internet banking is not always an option in rural areas; many people will not have an appropriate internet connection if they have a connection at all, and especially the elderly may not be familiar with IT and the process of doing their banking online.
“For many telephone banking is impractical, as they prefer to deal with their personal finances on a one-to-one basis and mobile banking is limited in many rural areas. It is worth considering as well that some people may not be able to get to mobile banks during the short time they are present in villages.
“With more and more rural services and businesses being closed down, we must also acknowledge that it is becoming less and less attractive for young families and indeed business owners to remain in the countryside.
“If the problem of rural depopulation is not addressed with some urgency it could have severe consequences for our rural communities and with that also our rural economy.
“It is clear that if we want to ensure that Wales develops its full potential in being a rural economic powerhouse, we must make it attractive for working families to stay and also encourage vital services like business banking to remain available in our countryside.
“The provision of acceptable broadband services is an increasingly critical part of meeting the needs of rural Wales.”

A report from the British Infrastructure Group found nearly a quarter of Welsh constituencies appear in the worst 20 constituencies in the whole of the UK for broadband speed.

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Welsh Water has increased sewage discharges into waterways ‘by 40%’

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NEW figures released by the Environment Agency have shown that Dwr Cymru discharged sewage into waterways for a staggering 23,354 hours last year, a 40% increase on 2022. 

The Welsh Liberal Democrats are now calling for tougher action against sewage dumping in Welsh waterways.

The party has also called for a halt on bonuses for water company bosses whose firms have dumped sewage into waterways.

Conservative MPs have consistently voted against measures which would have helped to tackle the crisis.

The Leader of the Welsh Liberal Democrats Jane Dodds MS said: “It is a complete scandal that filthy sewage is being pumped into our nation’s rivers and waterways without consequence.

“It’s beggars’ belief that both the UK Conservative Government and the Welsh Labour government are allowing water firms to get away with this environmental vandalism.

“We as a party are calling for tougher action to stop sewage being dumped in local waterways. We have also called for a halt on bonuses for water company fat cats whose firms have pumped filth into our waterways.”

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New bus services announced by Pembrokeshire County Council

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A NUMBER of changes to local bus services will be introduced in the coming weeks as a result of a shake up to bus funding. 

From April 2024, the funding which has been provided directly to bus operators by the Welsh Government to keep services going in the wake of the Covid pandemic will cease. 

Additional funding will instead be provided to Local Authorities to support their local bus network.

In total, Pembrokeshire County Council and the Welsh Government will provide over £3million in support for bus services in Pembrokeshire during the coming year.

As part of this process, all Pembrokeshire’s local bus services have been re-tendered. 

A public consultation, receiving over 300 responses, helped to inform decisions about which services should be prioritised. 

Councillor Rhys Sinnett, Pembrokeshire County Council Cabinet Member for Residents’ Services said: “I am delighted to be able to report that we are able to maintain the whole of Pembrokeshire’s current local bus network in the coming year.

“We have also secured key improvements such as reinstating an hourly service on the 349 route between Haverfordwest and Tenby via Pembroke Dock, and the popular Strumble Shuttle and Puffin Shuttle coastal bus services during the summer.”

The changes will also see two key services, the 302 Haverfordwest to Milford Haven and 349 Haverfordwest to Tenby via Pembroke Dock, brought under Council oversight for the first time. 

This will give the Council greater oversight of service operations and fares.  Pembrokeshire residents will also benefit from a new fare structure on all First Cymru services, due to be introduced from 1 April 2024. 

This will use Tap On Tap Off to allow passengers to pay the cheapest fare depending on the number of journeys they make or distance travelled, and will cap the maximum adult fare at £3 single and £5.40 return. 

More information about these fares can be found on the First Cymru website

A number of additional service changes and improvements are being considered for introduction during the course of the coming year in response to feedback received from the public consultation.  

The following bus service changes have been confirmed:

From 23 March 2024:

  • The Celtic Coaster (403) on the St Davids peninsular will restart for the 2024 season on Saturday 23 March and will run until Sunday 29 September. This is an hourly service, increasing to half-hourly during the whitsun half term and school summer holidays. There will be no service departing Caerfai Road at 13.00 and 13.30.
  • The 351 (Tenby to Pendine via Amroth) will return to its summer timetable.

From 1 April 2024

  • An hourly service will return on the 349 (Haverfordwest to Tenby via Pembroke Dock) service (April to September only).
  • The 356 (Milford Haven to Monkton) service will no longer call at Waterston and Hazelbeach due to operational issues caused by the narrow lanes in this area. The Fflecsi service will still be available.
  • A Saturday service, between 07:30 and 18:30, will be reintroduced in the Fflecsi Mid Pembrokeshire zone (formerly known as Bwcabus). This zone covers the area between Letterston, Crymych, Clunderwen and Wiston.  Passengers can also travel from this zone to Fishguard and Haverfordwest. 
  • The 302 (Haverfordwest to Milford Haven) and 349 (Haverfordwest to Tenby via Pembroke Dock) services operated by First Cymru will come under Pembrokeshire County Council control, giving the Council greater oversight of service operations and fares.
  • The 322 (Haverfordwest to Carmarthen) and 381 (Haverfordwest to Tenby via Narberth) services will be run by First Cymru. The 322 timetable will remain the same. The 381 timetable will remain the same from Haverfordwest to Tenby but journeys from Tenby to Haverfordwest will depart slightly earlier (37 past the hour instead of 45).
  • The X22 and X61 services which provided journeys at the start and end of the day between Pembroke Dock and Kilgetty, and Pembroke Dock and Haverfordwest will be withdrawn.
  • The 410 (Fishguard Town) and T11 (Haverfordwest to Fishguard via St Davids) services will be operated on a commercial (T11 part commercial) basis by Richards Bros. An improved connection with the ferry at Fishguard Harbour will be provided at 12.30.

From 19 May 2024

  • The Tenby Coaster service between Tenby and Saundersfoot will return for the summer season.

From 25 May 2024

  • The 400 Puffin Shuttle and 404 Strumble Shuttle services will return to the coast between Marloes and St Davids, and St Davids and Fishguard. These services will operate 7 days a week until 29 September 2024.  The Fflecsi service is also available in this area throughout the year.
  • The 387/388 Coastal Cruiser service around the Angle Peninsula will also return to its summer timetable, operating 7 days a week until 29th September 2024.

Further information about all Pembrokeshire bus services can be found on the Council’s website.

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Surrogacy: Carmarthenshire solicitor calls for legal reform

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ON the anniversary of the Law Commission’s call for surrogacy law to be overhauled, JCP Solicitors’ Angela Killa, Director in the Family team, is calling on prospective surrogates and parents to better understand the legal rules around this complicated path to parenthood.

Proposing a new regulatory route for surrogacy arrangements in the UK, the Law Commission’s recommendations for the Government puts forward a change to the law so that intended parents would become parents of the child from birth in certain circumstances. Currently, intended parents must wait months to obtain a parental order ¾ which causes stress and anxiety, not to mention administrative difficulties when registering the child.

A Surrogacy Register would also be created under the new proposals, allowing surrogate children to trace their birth origins later in life. Overall, the recommendations laid out in the report would improve regulation of domestic surrogacy to dissuade UK residents from going abroad, as international surrogacy agreements can bring greater risk of exploitation of women and children in some countries.

A year on from the reform suggestions, surrogacy rates continue to rise in the UK – surging by 350% over the past 12 years. Now, legal experts say it is more relevant than ever to understand the full implications of entering a surrogacy agreement.

Angela Killa, Director in the Family team at JCP Solicitors, explains: “In the UK, a surrogate (and her husband or male civil partner, if relevant) are considered the mother (and father) of a child at birth. Intended parents must apply for a Parental Order, which is heard before the Court ¾ making it highly advisable for those involved in surrogacy cases to appoint a Solicitor.

“We often see immense stresses from both the parents and the surrogate, as the current law means that the parental order can take months to obtain which can be incredibly anxiety-inducing.

“For example, intended parents may worry that the surrogate will change her mind or will not give her consent freely, whereas surrogates may also worry that the intended parents may change their mind(s) or make unreasonable demands during pregnancy.

“This feels particularly difficult given the fact that many intended parents are likely to have dealt with a lot of trauma before considering surrogacy: many have faced fertility struggles and may even have dealt with the devastation of failed pregnancies or baby loss. For LGBTQ+ couples, there may have been additional challenges faced due to discrimination or prejudice. Therefore, empathy and consideration is of paramount importance when discussing this issue.”

The government published an interim response to the report in November 2023, with Maria Caulfield MP stating: “While we appreciate the importance of this work, parliamentary time does not allow for these changes to be taken forward at the moment.” Despite this response, legal experts working in surrogacy encourage the Government to take action and fully consider the proposed amendments. 

Angela explains: “The reforms laid out in the Surrogacy Reform Act by the Law Commission may help to ease the stress and pressure for all involved. The Government are encouraged to provide a full response as soon as possible so progress can be made in this important area of law”.

Angela Killa is a member of Resolution, a family law organisation advocating for a constructive approach to family issues.

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