News
Warning as courier fraud scammers trick people into handing over gold
SCAMMERS are continuing to target people in new ways, with victims now being asked to buy gold to hand to a courier working for the police.
Last week an elderly woman in West Wales fell victim to courier fraud after being conned into believing she was working with police to prevent fraud. She was tricked into buying £25,000 of gold and handing it over to scammers.
DC Gareth Jordan, from Dyfed-Powys Police’s cybercrime team, said the recent crimes had seen victims called by someone purporting to be a police officer from Paddington Police Station.
DC Jordan added: “The fake police officer tells them about fraudulent activity on the persons bank card, or tells them that they need to transfer money to another account due to suspicious activity.
“It is the prelude to courier fraud, where someone comes to pick up the bank card, after extracting all the details such as PIN from the victim, or getting the person to go to the bank to withdraw money that can then be collected or sometimes transferred into other accounts.”
Since October the force has received complaints of 62 courier fraud calls. Thankfully 52 of the potential victims realised it was fraud, with a further five prevented when the bank intervened.
Sadly, five people fell victim to the criminals – two handed over gold, while three gave cash.
Their total losses were £63,000.
“We are working to make bank staff to look for the tell-tale signs of this, and contacting their branch managers to ensure staff are aware,” said DC Jordan.
“We are asking PCSOs to visit banks that are open on their patch and ask bank staff to inform any customers withdrawing money or transferring money about this scam.
“This scam is often aimed at the older generation, who have a respect for the police and may fall for the story that much more readily.
“What is worrying is that it can be just the start of further fraudulent activity including phoning the victim up stating they are the bank and getting the victim to transfer money to another account in the deceitful belief that their own account is now at risk due to fraudulent bank card use. The third part is investment fraud and gold purchases.”
The three phases of courier fraud
The scam begins with a person, usually male, phones the victim pretending to be a police officer. The bogus police officer explains that the victim’s bank accounts are under threat from fraudsters.
He convinces the victim to participate in a fictitious undercover police operation to catch the fraudsters and safeguard their funds.
They are told not to inform anyone, including their bank, as bank staff are equally under suspicion. Often the bogus police officer discloses private financial information about the victim, which is used to encourage the victim to trust them.
First phase: To influence the victim, the suspect asks about his/her bank account balances and overdraft facilities in place. The victim is then instructed to withdraw a small amount of cash (depending on victim’s bank balance). Victim is instructed to hand over the cash to a courier who must confirm a password/pin number provided by the suspect. Victim is later called on the phone and told most of the cash was identified as counterfeit.
Second phase: Once the victim trusts and believes the suspects’ instructions, he/she is provided with several bank account numbers (mule accounts). Victim is instructed to move a large amount of their money (often £100,000 to £300,000) into what is purported to be “safe” accounts, which are actually the mule accounts. Often the holders of the beneficiary accounts are third parties (patsy) who are unaware of the sources of the credit in their account. The money is quickly dissipated from the beneficiary accounts into accounts outside UK jurisdiction. Monies in the beneficiary account may simply be withdrawn from any UK ATM.
Third phase: Victims are instructed to either buy gold bars or high-valued watches. Again these items are handed to a courier who confirms a password given to the victim over the phone by the suspect.
DC Jordan said the order of the phases changes from victim to victim.
He said: “The suspects invest a considerable amount of time and effort in building a rapport with the victim.
“They usually instruct the victim not to divulge any details to anyone because the ‘operation’ must remain covert. Victims are coached with a cover story for bank staff, if their transactions (unusual) are flagged by the banks safety measures.”
Please remember – and tell others . . .
- The police, or your bank, will never ask you to withdraw money or transfer it to a different account.
- Your bank will never send a courier to your home
- Your bank and the police will never collect your bank card
- Your bank and the police will never ask you to reveal your full banking password or PIN
- If you receive one of these calls, end it immediately
- Do not click on links or attachments in unexpected or suspicious texts or emails.
- Confirm requests are genuine by using a known number or email address to contact organisations directly.
If you think you, or someone you know, may have been targeted by scammers, please report it to us online:
https://www.dyfed-powys.police.uk/en/contact-us/report-an-incident/, by email [email protected] or call 101.
Always call 999 if you feel you are in immediate harm or danger.
Business
Welsh Govt shifts stance on business rates after pressure from S4C and Herald
Ministers release unexpected statement 48 hours after widespread concern highlighted in Welsh media
THE WELSH GOVERNMENT has announced a new package of tapered business rates relief for 2026-27, in a move that follows sustained pressure from Welsh media — including S4C Newyddion and The Pembrokeshire Herald — over the impact of revaluation on small businesses.
In Milford Haven, the hard-pressed pub sector is already feeling the impact: the annual bill for The Lord Kitchener is rising from £5,000 to £15,000, while rates at the Kimberley Public House have nearly doubled from £10,500 to £19,500. The Imperial Hall’s rates are increasing from £5,800 to £9,200, prompting director Lee Bridges to question why businesses “are being asked to pay more when we use less services”. In Haverfordwest, the annual rates bill for Eddie’s Nightclub is increasing from £57,000 to £61,500.
A written statement, issued suddenly on Wednesday afternoon, confirms that ministers will introduce a transitional “tapering mechanism” to soften steep increases for tourism, hospitality and small independent operators. Full details will be published with the draft Budget later this month.
The announcement comes less than two days after The Herald’s in-depth reporting brought forward direct concerns from Pembrokeshire business owners and councillors, highlighting the uncertainty facing one of Wales’ most important local industries.
Herald reporting credited by senior councillor

Pembrokeshire County Council Independent Group Leader Cllr Huw Carnhuan Murphy publicly thanked The Herald for pushing the issue into the spotlight.
In a statement shared on Wednesday, Cllr Murphy said: “Welcome news from Welsh Government. Thanks to Tom Sinclair for running this important item in the Herald in relation to the revaluation of businesses and the consequences it will have for many.
He added: “Newyddion S4C hefyd am redeg y stori pwysig yma ynghylch trethi busnes.,” which in English is “and thanks to S4C Newyddion as well for running this important story about business taxes.”
He added that the Independent Group “will always campaign to support our tourism and agriculture industry, on which so many residents rely within Pembrokeshire”.
Media spotlight increased pressure on Cardiff Bay
On Monday, ministers said business rates plans would be outlined “within the next two weeks”.
By Wednesday afternoon — following prominent coverage on S4C and continued pressure from The Herald — Welsh Government released an early written statement outlining new support.
Industry sources told The Herald they believed the level of public concern, amplified by the media, “forced the issue up the agenda much faster than expected”.
A cautious welcome for ‘better than nothing’
Cllr Murphy welcomed the partial support, though he stressed it fell short of what many businesses had hoped for.
“This isn’t the level of support many were hoping for,” he said, “but it is certainly much better than nothing.”
Draft Budget expected soon
The full tapered support scheme will be detailed in the Welsh Government draft Budget, expected within a fortnight.
Tourism and hospitality representatives have reserved final judgment until the figures are published, but many have expressed relief that some support will continue, following weeks of uncertainty.
Crime
Pembroke rape investigation dropped – one suspect now facing deportation
DYFED-POWYS POLICE have closed an investigation into an alleged rape and false imprisonment in Pembroke after deciding to take no further action. One of the two men originally arrested is now in immigration detention and faces deportation.
The incident took place on Main Street over the weekend of 8–9 November 2025. Police were called at 9:45am on Sunday 9 November after reports of a woman in distress. She was taken to hospital for treatment.
Two men – aged 36 and 27 – were arrested at the scene on suspicion of rape and false imprisonment. They were subsequently released on bail while enquiries continued.
On Tuesday (2 December 2025), the force announced the criminal investigation has concluded and no charges will be brought. A police spokesperson said the decision took full account of the victim’s wishes.
Outcome for the two suspects:
- The 36-year-old man has been transferred to the custody of the Home Office Immigration Enforcement team and is now detained pending deportation.
- The 27-year-old man has been released with no further police action.
A Dyfed-Powys Police statement read: “This investigation was not terrorism-related, and we have no knowledge of any linked incident in Monkton. All rumours suggesting otherwise are incorrect.”
The force has also dismissed separate community speculation that the men entered the UK illegally on fraudulent passports or were due in court this week on terrorism charges.
Detectives stressed that every report of rape or serious sexual assault is treated seriously and victims are supported throughout. Anyone affected has been directed to specialist services, details of which are available on the force website.
No further police updates are expected.
News
Baby C trial: Mother breaks down in tears in the witness box
She tells jury Christopher Phillips repeatedly offered to babysit her seven-week-old son alone in weeks before life-changing injuries were discovered
THE MOTHER of Baby C – the seven-week-old boy allegedly raped and seriously injured by Christopher Phillips – has begun giving evidence at Swansea Crown Court.
Speaking in a barely audible voice from the witness box and frequently breaking down in tears, the woman (who cannot be named for legal reasons) described the rapid deterioration of her infant son’s health in the weeks after she began a relationship with Phillips, whom she met on Tinder.

The couple started messaging shortly after Baby C’s birth in November 2020. The mother’s Tinder profile featured a photograph of herself cradling her newborn son.
She told the jury that all of their meetings took place at her flat in Pembrokeshire. Initially, Phillips paid no attention to the baby, but after about three weeks he began showing interest in the child.
“He sent me a message saying that if I ever needed time to myself – for shopping or anything – he would stay in the flat with the baby,” she said. She declined the offer, explaining to the court: “I didn’t know him well enough to leave my baby alone with him. You don’t leave your baby with someone you barely know.”
Days after Baby C received his first vaccinations, the child began screaming in his sleep. The mother described the cries as sounding “as if someone was snapping his bones” – a family expression she said she had grown up hearing.
A few days later she discovered extensive bruising to the baby’s bottom, a swollen testicle and blood in his nappy. Alarmed, she confided in her sister and parents. Her mother (the baby’s grandmother) immediately suspected deliberate harm, referring to “some paedo” and urging her daughter to seek urgent medical help.
The following day the mother contacted her health visitor and GP. When she told Phillips about the appointments, he became angry.
“He wasn’t shouting, but his tone was different,” she said. “He was worried it would get out in the community and that he would be seen as a suspect. He told me to ‘nip it in the bud’. He said that once it had blown over he would put his offer back on the table – the offer to look after the baby. But I still wasn’t going to accept it.”
On another occasion she walked in while Phillips was changing the baby’s nappy and noticed Sudocrem around his finger “as if it had come from a pot”. She told the jury she did not own a pot of Sudocrem.
On 19 January 2021, following further concerns, Baby C was examined at West Wales General Hospital. Doctors examined his testicle and anus. The mother said she felt “horrible” taking him in but “relieved and reassured” when they were allowed home with advice.
Back at the flat, however, Phillips complained that her refusal to let him have alone time with the baby was “annoying” him and accused her of “micro-managing”. “I was just looking after my baby,” she said.
The mother then described the events of 24 January 2021, the night she dialled 999.
Baby C began screaming in a way she had never heard before. “It wasn’t a cry of pain exactly, but I knew something was terribly wrong,” she said.
At the time the screaming started, Phillips was in the baby’s room, supposedly changing his nappy. When she tried to go in, Phillips told her to stay in the living room. Ignoring him, she entered and saw Phillips fastening the nappy. He then left the room without putting the baby’s babygro back on – something she said immediately struck her as wrong.
Baby C was taken to hospital in a critical condition with catastrophic injuries. He survived but suffered life-changing harm.
The mother denies two charges of causing or allowing a child to suffer serious physical harm and two charges of child cruelty by neglect.
Christopher Phillips (37), of Warrior Reach, Burton, Pembrokeshire, denies eleven counts of sexual penetration of a child under 13, four counts of causing grievous bodily harm with intent and one count of assault occasioning actual bodily harm, all between 20 December 2020 and 25 January 2021.
Cross-examination of the mother by the prosecution is due to begin tomorrow (Thursday, Dec 4). Closing speeches and the judge’s summing-up are expected next week, with the jury likely to retire to consider verdicts on Tuesday.
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Crime5 days agoMan denies causing baby’s injuries as police interviews read to jury
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Crime1 day agoDefendant denies using Sudocrem-covered finger to assault two-month-old baby
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Crime6 days agoMan denies injuring baby as jury hears police interview in ongoing abuse trial
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Crime14 hours agoPembroke rape investigation dropped – one suspect now facing deportation
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News14 hours agoBaby C trial: Mother breaks down in tears in the witness box
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Crime2 days agoDefendant denies causing injuries to two-month-old baby
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