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Senedd debate calls for greater regulation for debt collectors

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A BACKBENCHER has led a debate on debt collection amid concerns that bad behaviour is the norm rather than the exception among bailiffs.

Labour’s Jack Sargeant led a Senedd debate calling for greater regulation of debt collectors in Wales.

The Alyn and Deeside MS brought forward the proposal after The Times exposed British Gas debt collectors joking as they forced their way into the homes of vulnerable customers.

He said: “And the more I read about the behaviour of debt collectors and bailiffs, the more determined I became to do something.

Mr Sargeant told the chamber that a third of people contacted by bailiffs during the cost-of-living crisis have experienced behaviours that broke the rules.

“Many have faced intimidating behaviour,” he said. “For instance, a single mother was woken up at 6am, while it was still dark, by male bailiffs knocking on the door.

“Her children were scared and she became too anxious to sleep.”

‘Huge toll’

Mr Sargeant raised concerns about misinformation, citing the example of a company in Wales telling people they can be imprisoned, which has not been the case since 2019.

He said a widow’s car was clamped, stopping her getting to work in the ambulance service, despite her having paid off council tax debt with inheritance from her late husband.

He told MSs that half of people contacting Citizens Advice for help with debt collectors are in council tax arrears as he backed the charity’s calls for a statutory code of practice.

Mr Sargeant said: “Indebtedness and, in particular, the involvement of debt collectors and bailiffs, takes a huge toll on people’s physical and mental health.”

Mark Isherwood shared his concerns but warned that lawyers have advised that a bill to regulate debt collection and enforcement would be outside of the Senedd’s powers.

Conservative MS Mark Isherwood
Conservative MS Mark Isherwood

‘Unworkable’

The Conservative MS for North Wales argued a code of practice could only be voluntary, suggesting this would make the proposal unworkable.

Mr Isherwood highlighted an existing legal requirement for a debt collection agency to register and follow guidelines set out by the Financial Conduct Authority.

He said debt recovery that would be deemed harassment is not allowed, including entering a debtor’s home without consent or pressuring people to make payments they cannot afford. 

Sioned Williams warned that people have been pushed into Victorian levels of poverty.

Plaid Cymru's shadow social justice minister, Sioned Williams
Plaid Cymru’s shadow social justice minister, Sioned Williams

The Plaid Cymru politician raised the equality committee’s report on unsustainable debt fuelled by the cost-of-living crisis which painted a bleak picture.

She said: “What is frustrating is that the urgent steps needed to prevent people from falling into the debt trap, outlined in our most important recommendations, haven’t been taken yet.”

The South Wales West MS backed Mr Sargeant’s motion, which called for a duty on public bodies to only use debt collectors that sign up to a code of conduct.

Mike Hedges told the chamber that people need support with underlying issues such as substance abuse and gambling addiction.

“Most end up in debt due to a catastrophic occurrence in their lives,” said the Labour MS for Swansea East, who raised concerns about lax background checks by debt collection firms.

‘Debt bonfire’

Jane Dodds, the Lib Dem leader in Wales, called for a “debt bonfire” which would see the Welsh Government buy bad debt and cancel it for the poorest people in Wales.

Jane Dodds MS, leader of the Welsh Liberal Democrats
Jane Dodds MS, leader of the Welsh Liberal Democrats

While agreeing with the motion’s principles, Jane Hutt said powers on the debt enforcement industry are not devolved as she called for more effective regulation at a UK level.

The social justice minister told MSs the Welsh Government has taken steps within its powers to ensure the collection of council tax arrears is managed in a just and sensitive way. 

Ms Hutt said: “All the local authorities have made a commitment to implement the council tax protocol for Wales, an important step to changing the culture of council tax enforcement.”

She added that ministers would abstain but Labour backbenchers would have a free vote on the member’s legislative proposal.

During plenary on Wednesday December 13, the motion was agreed with 27 for, 25 abstentions and none against.

Crime

Cardiff-born Axel Rudakubana faces sentencing for triple murder

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AXEL RUDAKUBANA, the teenager responsible for the horrific murders of three young girls at a Taylor Swift-themed dance class in Southport last July, is being sentenced today at Liverpool Crown Court.

The sentencing hearing, which began at 11:00am, follows Rudakubana’s last-minute guilty plea to 16 charges earlier this week, sparing the victims’ families the trauma of a trial.

A catalogue of violence and missed warnings

The 18-year-old, who was just 17 when he committed the murders, has admitted to killing nine-year-old Alice da Silva Aguiar, seven-year-old Elsie Dot Stancombe, and six-year-old Bebe King. The attack, which also left ten others, including eight children, with life-altering injuries, has shocked the nation and prompted questions about systemic failings.

Red flags surrounding Rudakubana’s escalating violent tendencies and extremist interests were evident as early as 2019. He was permanently expelled from Range High School in Formby after bringing a knife onto school grounds and, months later, attacking another pupil with a hockey stick.

Despite repeated referrals to the government’s anti-extremism Prevent programme for his fixation on violence, including school shootings and acts of terrorism, interventions were described as “limited.” His violent interests extended to Nazi Germany, ethnic violence, and extremist literature, including the Al Qaeda training manual found during searches of his home.

The July 29 attack

On July 29, 2024, Rudakubana launched his premeditated attack during a children’s dance class in Southport. Armed with a knife and other weapons, he murdered three innocent girls and injured multiple others. Among those targeted were class leader Leanne Lucas and bystander John Hayes, who intervened during the chaos.

Sentencing considerations

The police convoy heading to court (Image PA)

Due to his age at the time of the crimes, Rudakubana cannot receive a whole-life order, which is reserved for offenders aged 18 and older. Instead, he faces a life sentence with a minimum term likely to span decades, reflecting the exceptional seriousness of his crimes.

Legal experts suggest the unprecedented nature of this case makes the length of his sentence difficult to predict, though the scale of planning and the young ages of his victims will weigh heavily in the judge’s decision.

Remembering the victims

Nine-year-old Alice da Silva Aguiar, seven-year-old Elsie Dot Stancombe, and six-year-old Bebe King (Image: Police)

The families of the three girls have shared emotional tributes to their beloved daughters. Elsie Dot Stancombe’s family described her as “extraordinary” and “an amazing little girl” who brightened the lives of everyone she met.

Alice da Silva Aguiar was remembered as a “perfect dream child” with a love for animals and a strong sense of empathy. Her parents spoke of the joy she brought to their lives.

Bebe King, the youngest victim, was described as a “sweet, kind, and spirited girl” who radiated love and happiness.

Home Secretary Yvette Cooper MP at the scene at Hart Street, Southport (Image: PA)

A public inquiry announced

In the wake of these tragic events, the government has announced a public inquiry into the failings that allowed Rudakubana’s violent escalation to go unchecked. The inquiry will examine the role of public agencies in the case and explore the broader issues of youth violence and extremism.

The prime minister announced a Public Inquiry this week
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Health

‘Truly abysmal’ – Welsh NHS waiting list list hits new record high

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THE LATEST NHS statistics paint a bleak picture of healthcare in Wales, with waiting lists reaching an unprecedented 802,268 patient pathways in November—marking the tenth consecutive month of increases. These figures have sparked widespread criticism, with opposition parties and healthcare charities lambasting the Welsh Labour Government for its handling of the crisis.

The latest figures have sparked widespread criticism of the Welsh Government (Pic: File)

Waiting lists and emergency care in decline

The 802,268 patient pathways recorded represent more than one in four of the Welsh population. Behind this staggering number lies a harsh reality for patients. The median waiting time has now climbed to 23 weeks, a stark contrast to the 14-week average in England. For those waiting more than two years for treatment, the figure has risen again to 24,361. This is a glaring failure considering Labour’s repeated promises to eliminate two-year waits by 2023 and 2024—targets that remain unmet.

Emergency departments also continue to struggle. The percentage of patients seen within four hours has dropped to 64.8%, well below the target of 95%. In December, 10,857 patients waited more than 12 hours for care, an 11% increase from the previous month. Only 47.6% of red calls, the most serious emergency cases, received an ambulance response within eight minutes in December.

Ambulances waiting to off load patients outside Withybush Hospital A&E in Haverfordwest (Pic: Herald)

Cancer treatment performance falls short

Cancer services are in an equally dire state. The performance against the critical 62-day target for starting cancer treatment has fallen to just 60.2%—far below the 75% benchmark. While Health Secretary Jeremy Miles highlights incremental progress, including a reduction in long waits for diagnostics and therapies, critics argue this is too little, too late.

James Evans MS, Welsh Conservative Shadow Cabinet Secretary for Health and Social Care, called the statistics “truly abysmal,” adding:
“People are dying unnecessarily across Wales. Families are losing loved ones prematurely, and NHS staff morale is plummeting. The Welsh Labour Government has broken the NHS and continues to fail those who depend on it.”

Welsh Government defends record

Defending the NHS – Jeremy Miles said more money had been made available (Image: File)

In response, Jeremy Miles pointed to recent funding increases and measures to address long waits. He highlighted a £50 million investment aimed at improving outpatient services and diagnostics, alongside a decline in delayed hospital discharges over the last four months.

“The health service in Wales continues to provide quality care to thousands of people every day, despite immense pressures from winter illnesses, including Covid-19 and flu,” said Mr Miles. “These figures do not yet reflect the impact of our latest investments, but I am confident that we will see improvements in the coming months.”

Charities demand action on cancer

There have been several protests against closure of services in Pembrokeshire (Pic Herald)

Cancer charities have voiced their frustration over the slow progress in improving treatment waiting times. Kate Seymour, Head of External Affairs at Macmillan Cancer Support, described the current state of cancer care as “woefully inadequate.” She criticized the lack of strong national leadership and urged the Welsh Government to implement the recommendations of Audit Wales’s recent report on cancer services.

“The latest data shows real people are facing agonizing delays, unsure if they have cancer or when their treatment will start,” said Ms Seymour. “People in Wales with cancer deserve better.”

Judi Rhys MBE, Chief Executive of Tenovus Cancer Care, echoed these concerns, describing the findings of the Audit Wales report as “deeply disappointing.” She highlighted the lack of progress on stubbornly long waiting times for certain cancer types, including gynaecological cancers.

Political fallout

There has been heated discussion in the Senedd over NHS service delivery (Image: File)

The political repercussions have been swift. Last week, the Welsh Conservatives tabled a motion in the Senedd, calling for the immediate implementation of Audit Wales’s ten recommendations to improve cancer services. The motion criticized the Welsh Labour Government for its failure to meet national performance targets since 2020 and accused it of undermining its own Cancer Improvement Plan through poor communication and unclear priorities.

Labour members, however, voted against the motion, prompting sharp criticism from James Evans MS, who called the vote “shameful.”

“The Welsh Labour Government has broken the NHS, is out of ideas, and is on its way out of office. We stand ready to fix Wales,” said Mr Evans.

The human cost

Some patients are saying that they have been in pain whilst awaiting operations (Pic: NHS)

For patients and families across Wales, these statistics are more than just numbers—they represent painful realities. Behind every delay is someone anxiously waiting for a diagnosis or treatment, often with life-altering implications.

One such patient, Rhian Davies from Newport, has been waiting over two years for a hip replacement. “The pain is unbearable, and it’s getting worse,” she said. “I can’t believe I’ve been left to wait this long. It feels like they’ve forgotten about us.”

As pressure mounts on the Welsh Labour Government, health experts and opposition parties are united in their call for urgent reform. Whether the latest investments and strategies will be enough to reverse the downward spiral remains to be seen. For now, the people of Wales continue to endure a healthcare crisis that shows little sign of abating.

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Community

Paul Lucas receives British Empire Medal for services to education and charity

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ONE of the driving forces behind the creation of Haverfordwest High VC School has been honoured with the British Empire Medal.

Mr Paul Lucas received his insignia from His Majesty’s Lord-Lieutenant of Dyfed, Miss Sara Edwards, at a special ceremony at County Hall, Haverfordwest, on Monday, January 20th.

Mr Lucas was named in the New Year Honours for services to education and charity in Pembrokeshire.

Mr Lucas was Chairman of Governors at the newly created Haverfordwest High VC School at the time of its official opening by Her Royal Highness, The Princess Royal in 2022.

Mr Lucas oversaw the amalgamation of the former Sir Thomas Picton and Tasker Milward schools into Haverfordwest High and the building of the fantastic new school on the former Sir Thomas Picton site.

Hosting the event, the Chairman of Pembrokeshire County Council Cllr Steve Alderman noted that many, many thousands of students for decades to come will enjoy first class educational facilities at the new school, thanks to the dedication of Mr Lucas.

His Majesty’s Lord-Lieutenant of Dyfed, Miss Sara Edwards, said: “On behalf of His Majesty The King, it was an honour and an enormous privilege to present Mr Paul Lucas with the British Empire Medal. 

“Mr Lucas has provided incredible service to Pembrokeshire and Haverfordwest in particular and has been a driving force for educational improvement. His work will have a lasting legacy for future generations.”

Assisting the Lord-Lieutenant for the ceremony was Lord-Lieutenant Cadet Sergeant Mariana Lemon.

Also in attendance for the special occasion were the Leader of Pembrokeshire County Council, Cllr Jon Harvey; the High Sheriff of Dyfed, Helen Jones, and Deputy Lieutenant of Dyfed, Col Martin Green, along with Mr Lucas’ family and invited guests.

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