Crime
Pembrokeshire businessman sentenced for £150,000 Covid loan fraud
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
Milford Haven drug dealing pub boss who boasted of ‘best coke around’ jailed
Dealer who claimed £160,000 profits was later calling police for protection as threats escalated over money he owed to his suppliers
A MILFORD HAVEN drug dealer who bragged he had “the best coke out there” and claimed to have made up to £160,000 in just four months has been jailed for six years.
But behind the image of a confident, high-earning operator, the reality was starkly different — a man in debt, under threat, and repeatedly calling police for protection as his world closed in.

The 35-year-old defendant admitted multiple offences relating to the supply of cocaine and cannabis when he appeared before Swansea Crown Court.
The court heard he played a significant role in the supply of Class A and Class B drugs, purchasing large quantities — including claims he was buying cocaine by the kilogram — and maintaining contact with upstream suppliers.
In messages shown to the court, he boasted about his profits, claiming to have made £38,000 and suggesting that far larger sums were within reach. He also claimed to have earned £160,000 in just four months and said he had bought two houses.
He told customers he had “the best coke out there” and responded aggressively to complaints, stating: “Out of £30,000 worth, you’re the only one to complain,” before adding: “Bad mouthing me is a bad idea you little slag.”

Violence and intimidation
The court was also shown chilling footage of a confrontation at a property on the Mount Estate, where the defendant was heard directing violence over a debt.
In the video, he shouted: “I got boys, yeah, I got boys,” before telling others to “kick his head in” as the attack unfolded inside the victim’s home.
Witnesses described him as having become a “kingpin” in Milford Haven’s drug scene, operating from The Vibe public house, which they claimed was used as both a legitimate business front and a base linked to drug dealing.
Fear behind the façade
Yet the court heard that behind the bravado, the defendant was living in fear.
He had accumulated drug debts estimated at between £18,000 and £26,000 and was being threatened by those higher up the supply chain. His partner reported people turning up at their home, with threats including claims it would be bombed or burned down.
The Herald attended his home address on multiple occasions to report on police activity after he called officers for protection.
In a direct call to this newspaper during the period, he said: “There are threats to my life — people want me dead, dead. I don’t want this in the paper. It’s over money… hundreds of thousands of pounds.”
Documents reveal further pressure
The Herald can also reveal that the defendant was served with a statutory demand in late 2025 over an alleged unpaid debt relating to stock, fixtures and fittings following his takeover of The Vibe public house in March 2024.
Documents seen by this newspaper indicate the financial pressures he was under extended beyond drug debts.
National attention
The case has already drawn national interest, with Channel 4 making a documentary featuring the defendant after interviewing local people in Milford Haven over recent months.
‘Significant role’ in drug trade
Police arrested the defendant on January 5 last year on suspicion of being concerned in the supply of Class A drugs. A search of an address on Priory Road uncovered 18 grams of cannabis, while a separate incident involving a vehicle led to the discovery of 73 grams of cocaine and cannabis.
Prosecutors said he was actively involved in the supply of drugs and purchasing large quantities, describing him as a key player in the local trade.
He has 57 previous convictions, mostly for theft-related offences.
‘Only a custodial sentence’
Defending, Mr Ibrihim described his client’s background as a “tale of woe,” telling the court his father was addicted to heroin and his mother struggled with alcohol. His younger sister died in 2022.
The court heard he had gone “off the rails” in his late teens and that his drug dealing was linked to debts, including those connected to his father. It was also said that many of his claims about wealth were exaggerated and amounted to “bravado”.
Sentencing, the judge said: “The seriousness of this offending means that only an immediate custodial sentence is appropriate.
“You played a significant role in drug dealing. What is clear is that you were dealing with a lot of cocaine.
“I have no doubt that some of what you did was due to pressure, but some of it was for your own gain.”
The judge added that despite the defendant’s claims of wealth, “you haven’t got hardly anything left”.
For the supply of cocaine, he was sentenced to six years in prison, with a concurrent sentence of 30 months for supplying cannabis.
He will serve at least half the sentence in custody before being eligible for release.
A victim surcharge of £228 was also imposed.
Crime
New pilot offers dedicated advocates for trafficking survivors
National scheme aims to support hundreds of victims of modern slavery across the UK
MORE than 600 adult survivors of modern slavery are set to receive dedicated support through a new national pilot scheme providing accredited, independent advocates.
The initiative will see specially trained professionals working directly alongside survivors of human trafficking and exploitation, helping them navigate complex legal, social, and recovery processes.
While survivors of crimes such as domestic and sexual abuse already have access to specialist advocacy, no equivalent provision previously existed for victims of modern slavery—despite the often severe and long-term trauma they experience.
Over the next three years, 24 Independent Modern Slavery Advocates (IMSAs) will be deployed across the UK. Each advocate will complete a postgraduate qualification and receive support from a central hub hosted by anti-trafficking charity Hope for Justice.
Tim Nelson, CEO at Hope for Justice, said the pilot aims to tackle inequalities in support: “We want to end the postcode lottery that adult survivors of modern slavery and human trafficking are experiencing in the UK.
“There are many organisations already doing incredible work, but by working together and setting new standards, we can give survivors the best possible chance of rebuilding their lives.”
The scheme is backed by a £1 million National Lottery grant and involves several organisations, including Unseen UK, Medaille Trust, Bawso, SOHTIS, Hope for Justice, and the Snowdrop Project.
Since the pilot began six months ago, advocates have already supported 121 survivors, helping to secure housing, legal recognition, and access to vital services.
Key outcomes so far include:
Ten survivors provided with safe and secure housing
Seventeen Home Office decisions successfully challenged, granting victims access to support
Humanitarian protection secured for a young adult survivor
Advocates have also helped individuals access healthcare, mental health support, education, employment, and secure immigration status.
One survivor described the support as “life changing” after escaping a trafficker. In a letter to her advocate, she said: “You have fought our corner tirelessly when I did not have the strength. You stood beside us every step of the way.
“You helped me rebuild trust, believe in myself, and slowly find my voice again.”
The IMSA role aligns with international guidance on independent advocacy and has been shaped by experts and those with lived experience.
Louise Mensah, Head of Frontline at Unseen, said: “This pilot is a step towards a world without slavery. We are proud to be part of something that will improve outcomes and change futures.”
Ben Ryan, Deputy CEO at Medaille Trust, added: “We know the value of long-term support in recovery. This partnership allows us to embed best practice and develop new approaches.”
Organisations wishing to join the final phase of the pilot have until May 2026 to apply.
Further information is available at www.hopeforjustice.org/imsa/
Crime
Four deny murder of Caerphilly teenager
FOUR people have pleaded not guilty to the murder of a 17-year-old boy.
Ricardo Elliot, aged 27, Connor Palfrey, aged 24, Elexi Manny, aged 24, and Georgie Mears, aged 18, appeared before Merthyr Tydfil Crown Court on Friday (March 20), where each denied killing Tristan Shae Kerr.
Emergency services were called to a property in Abertridwr, Caerphilly, at around 5:45pm on Wednesday (Feb 5) following reports that a teenage boy had suffered serious injuries. Despite efforts, Tristan was pronounced dead at the scene.
The court heard that the teenager is alleged to have been attacked with a so-called “zombie knife” measuring approximately nine to ten inches in length.
During the hearing, the four defendants spoke only to confirm their personal details and enter their pleas.
A trial is due to begin on August 3 and is expected to last around six weeks. A further pre-trial review has been scheduled for July 24.
All four defendants were remanded in custody.
Paying tribute after his death, Tristan’s family described him as a “deeply loved son, grandson, nephew, cousin and friend.”
They said he was quick-witted, with a love for motorbikes and adventure, adding that he had a natural energy that lit up every room and drew people towards him.
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